Washington 2025-2026 Regular Session

Washington House Bill HB1178 Compare Versions

The same version is selected twice. Please select two different versions to compare.
OldNewDifferences
11 $1 $&7 5HODWLQJ WR VHQWHQFLQJ HQKDQFHPHQWV DPHQGLQJ 5&:
22 $  $  $  $  $    DQG
33   UHSHDOLQJ 5&: $  DQG   SURYLGLQJ DQ
44 HIIHFWLYHGDWHDQGSURYLGLQJDQH[SLUDWLRQGDWH
55 %(,7(1$&7('%<7+(/(*,6/$785(2)7+(67$7(2):$6+,1*721
66 6HF   5&: $  DQG  F  V  DUH HDFK DPHQGHG WR
77 UHDGDVIROORZV
88 8QOHVV WKH FRQWH[W FOHDUO\ UHTXLUHV RWKHUZLVH WKH GHILQLWLRQV LQ
99 WKLVVHFWLRQDSSO\WKURXJKRXWWKLVFKDSWHU
1010   %RDUG PHDQV WKH LQGHWHUPLQDWH VHQWHQFH UHYLHZ ERDUG FUHDWHG
1111 XQGHU FKDSWHU  5&: 
1212   &ROOHFW RU DQ\ GHULYDWLYH WKHUHRI FROOHFW DQG UHPLW RU
1313 FROOHFW DQG GHOLYHU ZKHQ XVHG ZLWK UHIHUHQFH WR WKH GHSDUWPHQW
1414 PHDQV WKDW WKH GHSDUWPHQW HLWKHU GLUHFWO\ RU WKURXJK D FROOHFWLRQ
1515 DJUHHPHQW DXWKRUL]HG E\ 5&: $  LV UHVSRQVLEOH IRU PRQLWRULQJ
1616 DQG HQIRUFLQJ WKH RIIHQGHUV VHQWHQFH ZLWK UHJDUG WR WKH OHJDO
1717 ILQDQFLDO REOLJDWLRQ UHFHLYLQJ SD\PHQW WKHUHRI IURP WKH RIIHQGHU
1818 DQG FRQVLVWHQW ZLWK FXUUHQW ODZ GHOLYHULQJ GDLO\ WKH HQWLUH SD\PHQW
1919 WR WKH VXSHULRU FRXUW FOHUN ZLWKRXW GHSRVLWLQJ LW LQ D GHSDUWPHQWDO
2020 DFFRXQW
2121  &RPPLVVLRQPHDQVWKHVHQWHQFLQJJXLGHOLQHVFRPPLVVLRQ
2222 +
2323 +286(%,//
2424 6WDWHRI:DVKLQJWRQ
2525 WK/HJLVODWXUH 5HJXODU6HVVLRQ
2626 %\ 5HSUHVHQWDWLYHV*RRGPDQDQG+DFNQH\
2727 3UHILOHG
2828 S +%   &RPPXQLW\ FRUUHFWLRQV RIILFHU PHDQV DQ HPSOR\HH RI WKH
2929 GHSDUWPHQW ZKR LV UHVSRQVLEOH IRU FDUU\LQJ RXW VSHFLILF GXWLHV LQ
3030 VXSHUYLVLRQ RI VHQWHQFHG RIIHQGHUV DQG PRQLWRULQJ RI VHQWHQFH
3131 FRQGLWLRQV
3232   &RPPXQLW\ FXVWRG\ PHDQV WKDW SRUWLRQ RI DQ RIIHQGHUV
3333 VHQWHQFH RI FRQILQHPHQW LQ OLHX RI HDUQHG UHOHDVH WLPH RU LPSRVHG DV
3434 SDUW RI D VHQWHQFH XQGHU WKLV FKDSWHU DQG VHUYHG LQ WKH FRPPXQLW\
3535 VXEMHFW WR FRQWUROV SODFHG RQ WKH RIIHQGHUV PRYHPHQW DQG DFWLYLWLHV
3636 E\WKHGHSDUWPHQW
3737   &RPPXQLW\ SURWHFWLRQ ]RQH PHDQV WKH DUHD ZLWKLQ  IHHW RI
3838 WKHIDFLOLWLHVDQGJURXQGVRIDSXEOLFRUSULYDWHVFKRRO
3939   &RPPXQLW\ UHVWLWXWLRQ PHDQV FRPSXOVRU\ VHUYLFH ZLWKRXW
4040 FRPSHQVDWLRQ SHUIRUPHG IRU WKH EHQHILW RI WKH FRPPXQLW\ E\ WKH
4141 RIIHQGHU
4242  &RQILQHPHQWPHDQVWRWDORUSDUWLDOFRQILQHPHQW
4343   &RQYLFWLRQ PHDQV DQ DGMXGLFDWLRQ RI JXLOW SXUVXDQW WR 7LWOH
4444  RU  5&: DQG LQFOXGHV D YHUGLFW RI JXLOW\ D ILQGLQJ RI JXLOW\
4545 DQGDFFHSWDQFHRIDSOHDRIJXLOW\
4646   &ULPHUHODWHG SURKLELWLRQ PHDQV DQ RUGHU RI D FRXUW
4747 SURKLELWLQJ FRQGXFW WKDW GLUHFWO\ UHODWHV WR WKH FLUFXPVWDQFHV RI WKH
4848 FULPH IRU ZKLFK WKH RIIHQGHU KDV EHHQ FRQYLFWHG DQG VKDOO QRW EH
4949 FRQVWUXHG WR PHDQ RUGHUV GLUHFWLQJ DQ RIIHQGHU DIILUPDWLYHO\ WR
5050 SDUWLFLSDWH LQ UHKDELOLWDWLYH SURJUDPV RU WR RWKHUZLVH SHUIRUP
5151 DIILUPDWLYH FRQGXFW +RZHYHU DIILUPDWLYH DFWV QHFHVVDU\ WR PRQLWRU
5252 FRPSOLDQFH ZLWK WKH RUGHU RI D FRXUW PD\ EH UHTXLUHG E\ WKH
5353 GHSDUWPHQW
5454   &ULPLQDO KLVWRU\ PHDQV WKH OLVW RI D GHIHQGDQWV SULRU
5555 FRQYLFWLRQV DQG MXYHQLOH DGMXGLFDWLRQV ZKHWKHU LQ WKLV VWDWH LQ
5656 IHGHUDO FRXUW RU HOVHZKHUH DQG DQ\ LVVXHG FHUWLILFDWHV RI
5757 UHVWRUDWLRQRIRSSRUWXQLW\SXUVXDQWWR5&:  
5858 D  7KH KLVWRU\ VKDOO LQFOXGH ZKHUH NQRZQ IRU HDFK FRQYLFWLRQ
5959 L  ZKHWKHU WKH GHIHQGDQW KDV EHHQ SODFHG RQ SUREDWLRQ DQG WKH OHQJWK
6060 DQG WHUPV WKHUHRI DQG LL  ZKHWKHU WKH GHIHQGDQW KDV EHHQ
6161 LQFDUFHUDWHGDQGWKHOHQJWKRILQFDUFHUDWLRQ
6262 E  $ FRQYLFWLRQ PD\ EH UHPRYHG IURP D GHIHQGDQWV FULPLQDO
6363 KLVWRU\ RQO\ LI LW LV YDFDWHG SXUVXDQW WR 5&:   $ 
6464   RU D VLPLODU RXWRIVWDWH VWDWXWH RU LI WKH FRQYLFWLRQ KDV
6565 EHHQ YDFDWHG SXUVXDQW WR D JRYHUQRUV SDUGRQ +RZHYHU ZKHQ D
6666 GHIHQGDQW LV FKDUJHG ZLWK D UHFLGLYLVW RIIHQVH FULPLQDO KLVWRU\
6767 LQFOXGHV D YDFDWHG SULRU FRQYLFWLRQ IRU WKH VROH SXUSRVH RI
6868 S +% HVWDEOLVKLQJ WKDW VXFK YDFDWHG SULRU FRQYLFWLRQ FRQVWLWXWHV DQ
6969 HOHPHQW RI WKH SUHVHQW UHFLGLYLVW RIIHQVH DV SURYLGHG LQ 5&:
7070 $  E DQG     F 
7171 F  7KH GHWHUPLQDWLRQ RI D GHIHQGDQWV FULPLQDO KLVWRU\ LV
7272 GLVWLQFW IURP WKH GHWHUPLQDWLRQ RI DQ RIIHQGHU VFRUH $ SULRU
7373 FRQYLFWLRQ WKDW ZDV QRW LQFOXGHG LQ DQ RIIHQGHU VFRUH FDOFXODWHG
7474 SXUVXDQW WR D IRUPHU YHUVLRQ RI WKH VHQWHQFLQJ UHIRUP DFW UHPDLQV
7575 SDUWRIWKHGHIHQGDQWVFULPLQDOKLVWRU\
7676   &ULPLQDO VWUHHW JDQJ PHDQV DQ\ RQJRLQJ RUJDQL]DWLRQ
7777 DVVRFLDWLRQ RU JURXS RI WKUHH RU PRUH SHUVRQV ZKHWKHU IRUPDO RU
7878 LQIRUPDO KDYLQJ D FRPPRQ QDPH RU FRPPRQ LGHQWLI\LQJ VLJQ RU V\PERO
7979 KDYLQJ DV RQH RI LWV SULPDU\ DFWLYLWLHV WKH FRPPLVVLRQ RI FULPLQDO
8080 DFWV DQG ZKRVH PHPEHUV RU DVVRFLDWHV LQGLYLGXDOO\ RU FROOHFWLYHO\
8181 HQJDJH LQ RU KDYH HQJDJHG LQ D SDWWHUQ RI FULPLQDO VWUHHW JDQJ
8282 DFWLYLW\ 7KLV GHILQLWLRQ GRHV QRW DSSO\ WR HPSOR\HHV HQJDJHG LQ
8383 FRQFHUWHG DFWLYLWLHV IRU WKHLU PXWXDO DLG DQG SURWHFWLRQ RU WR WKH
8484 DFWLYLWLHV RI ODERU DQG ERQD ILGH QRQSURILW RUJDQL]DWLRQV RU WKHLU
8585 PHPEHUVRUDJHQWV
8686   &ULPLQDO VWUHHW JDQJ DVVRFLDWH RU PHPEHU PHDQV DQ\ SHUVRQ
8787 ZKR DFWLYHO\ SDUWLFLSDWHV LQ DQ\ FULPLQDO VWUHHW JDQJ DQG ZKR
8888 LQWHQWLRQDOO\ SURPRWHV IXUWKHUV RU DVVLVWV LQ DQ\ FULPLQDO DFW E\
8989 WKHFULPLQDOVWUHHWJDQJ
9090   &ULPLQDO VWUHHW JDQJUHODWHG RIIHQVH PHDQV DQ\ IHORQ\ RU
9191 PLVGHPHDQRU RIIHQVH ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH WKDW LV
9292 FRPPLWWHG IRU WKH EHQHILW RI DW WKH GLUHFWLRQ RI RU LQ DVVRFLDWLRQ
9393 ZLWK DQ\ FULPLQDO VWUHHW JDQJ RU LV FRPPLWWHG ZLWK WKH LQWHQW WR
9494 SURPRWH IXUWKHU RU DVVLVW LQ DQ\ FULPLQDO FRQGXFW E\ WKH JDQJ RU
9595 LVFRPPLWWHGIRURQHRUPRUHRIWKHIROORZLQJUHDVRQV
9696 D 7RJDLQDGPLVVLRQSUHVWLJHRUSURPRWLRQZLWKLQWKHJDQJ
9797 E  7R LQFUHDVH RU PDLQWDLQ WKH JDQJV VL]H PHPEHUVKLS
9898 SUHVWLJHGRPLQDQFHRUFRQWUROLQDQ\JHRJUDSKLFDODUHD
9999 F  7R H[DFW UHYHQJH RU UHWULEXWLRQ IRU WKH JDQJ RU DQ\ PHPEHU RI
100100 WKHJDQJ
101101 G  7R REVWUXFW MXVWLFH RU LQWLPLGDWH RU HOLPLQDWH DQ\ ZLWQHVV
102102 DJDLQVWWKHJDQJRUDQ\PHPEHURIWKHJDQJ
103103 H  7R GLUHFWO\ RU LQGLUHFWO\ FDXVH DQ\ EHQHILW DJJUDQGL]HPHQW
104104 JDLQ SURILW RU RWKHU DGYDQWDJH IRU WKH JDQJ LWV UHSXWDWLRQ
105105 LQIOXHQFHRUPHPEHUVKLSRU
106106 I  7R SURYLGH WKH JDQJ ZLWK DQ\ DGYDQWDJH LQ RU DQ\ FRQWURO RU
107107 GRPLQDQFH RYHU DQ\ FULPLQDO PDUNHW VHFWRU LQFOXGLQJ EXW QRW OLPLWHG
108108 S +% WR PDQXIDFWXULQJ GHOLYHULQJ RU VHOOLQJ DQ\ FRQWUROOHG VXEVWDQFH
109109 FKDSWHU   5&:  DUVRQ FKDSWHU $  5&:  WUDIILFNLQJ LQ VWROHQ
110110 SURSHUW\ FKDSWHU $  5&:  SURPRWLQJ SURVWLWXWLRQ FKDSWHU $
111111 5&:  KXPDQ WUDIILFNLQJ 5&: $  SURPRWLQJ FRPPHUFLDO VH[XDO
112112 DEXVH RI D PLQRU 5&: $  RU SURPRWLQJ SRUQRJUDSK\ FKDSWHU
113113  5&: 
114114   'D\ ILQH PHDQV D ILQH LPSRVHG E\ WKH VHQWHQFLQJ FRXUW WKDW
115115 HTXDOV WKH GLIIHUHQFH EHWZHHQ WKH RIIHQGHUV QHW GDLO\ LQFRPH DQG WKH
116116 UHDVRQDEOH REOLJDWLRQV WKDW WKH RIIHQGHU KDV IRU WKH VXSSRUW RI WKH
117117 RIIHQGHUDQGDQ\GHSHQGHQWV
118118   'D\ UHSRUWLQJ PHDQV D SURJUDP RI HQKDQFHG VXSHUYLVLRQ
119119 GHVLJQHG WR PRQLWRU WKH RIIHQGHUV GDLO\ DFWLYLWLHV DQG FRPSOLDQFH
120120 ZLWK VHQWHQFH FRQGLWLRQV DQG LQ ZKLFK WKH RIIHQGHU LV UHTXLUHG WR
121121 UHSRUW GDLO\ WR D VSHFLILF ORFDWLRQ GHVLJQDWHG E\ WKH GHSDUWPHQW RU
122122 WKHVHQWHQFLQJFRXUW
123123  'HSDUWPHQWPHDQVWKHGHSDUWPHQWRIFRUUHFWLRQV
124124   'HWHUPLQDWH VHQWHQFH PHDQV D VHQWHQFH WKDW VWDWHV ZLWK
125125 H[DFWLWXGH WKH QXPEHU RI DFWXDO \HDUV PRQWKV RU GD\V RI WRWDO
126126 FRQILQHPHQW RI SDUWLDO FRQILQHPHQW RI FRPPXQLW\ FXVWRG\ WKH QXPEHU
127127 RI DFWXDO KRXUV RU GD\V RI FRPPXQLW\ UHVWLWXWLRQ ZRUN RU GROODUV RU
128128 WHUPV RI D OHJDO ILQDQFLDO REOLJDWLRQ 7KH IDFW WKDW DQ RIIHQGHU
129129 WKURXJK HDUQHG UHOHDVH FDQ UHGXFH WKH DFWXDO SHULRG RI FRQILQHPHQW
130130 VKDOO QRW DIIHFW WKH FODVVLILFDWLRQ RI WKH VHQWHQFH DV D GHWHUPLQDWH
131131 VHQWHQFH
132132   'LVSRVDEOH HDUQLQJV PHDQV WKDW SDUW RI WKH HDUQLQJV RI DQ
133133 RIIHQGHU UHPDLQLQJ DIWHU WKH GHGXFWLRQ IURP WKRVH HDUQLQJV RI DQ\
134134 DPRXQW UHTXLUHG E\ ODZ WR EH ZLWKKHOG )RU WKH SXUSRVHV RI WKLV
135135 GHILQLWLRQ HDUQLQJV PHDQV FRPSHQVDWLRQ SDLG RU SD\DEOH IRU
136136 SHUVRQDO VHUYLFHV ZKHWKHU GHQRPLQDWHG DV ZDJHV VDODU\ FRPPLVVLRQ
137137 ERQXVHV RU RWKHUZLVH DQG QRWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI
138138 ODZ PDNLQJ WKH SD\PHQWV H[HPSW IURP JDUQLVKPHQW DWWDFKPHQW RU RWKHU
139139 SURFHVV WR VDWLVI\ D FRXUWRUGHUHG OHJDO ILQDQFLDO REOLJDWLRQ
140140 VSHFLILFDOO\ LQFOXGHV SHULRGLF SD\PHQWV SXUVXDQW WR SHQVLRQ RU
141141 UHWLUHPHQW SURJUDPV RU LQVXUDQFH SROLFLHV RI DQ\ W\SH EXW GRHV QRW
142142 LQFOXGH SD\PHQWV PDGH XQGHU 7LWOH  5&: H[FHSW DV SURYLGHG LQ 5&:
143143  DQG  RU7LWOH5&:
144144  D  'RPHVWLF YLROHQFH KDV WKH VDPH PHDQLQJ DV GHILQHG LQ
145145 5&:  
146146 E  'RPHVWLF YLROHQFH DOVR PHDQV L  3K\VLFDO KDUP ERGLO\
147147 LQMXU\ DVVDXOW RU WKH LQIOLFWLRQ RI IHDU RI LPPLQHQW SK\VLFDO KDUP
148148 S +% ERGLO\ LQMXU\ RU DVVDXOW VH[XDO DVVDXOW RU VWDONLQJ DV GHILQHG LQ
149149 5&: $  RI RQH LQWLPDWH SDUWQHU E\ DQRWKHU LQWLPDWH SDUWQHU DV
150150 GHILQHG LQ 5&:   RU LL  SK\VLFDO KDUP ERGLO\ LQMXU\
151151 DVVDXOW RU WKH LQIOLFWLRQ RI IHDU RI LPPLQHQW SK\VLFDO KDUP ERGLO\
152152 LQMXU\ RU DVVDXOW VH[XDO DVVDXOW RU VWDONLQJ DV GHILQHG LQ 5&:
153153 $  RI RQH IDPLO\ RU KRXVHKROG PHPEHU E\ DQRWKHU IDPLO\ RU
154154 KRXVHKROGPHPEHUDVGHILQHGLQ5&:  
155155   'UXJ RIIHQGHU VHQWHQFLQJ DOWHUQDWLYH LV D VHQWHQFLQJ
156156 RSWLRQ DYDLODEOH WR SHUVRQV FRQYLFWHG RI D IHORQ\ RIIHQVH ZKR DUH
157157 HOLJLEOHIRUWKHRSWLRQXQGHU5&: $ 
158158  'UXJRIIHQVHPHDQV
159159 D  $Q\ IHORQ\ YLRODWLRQ RI FKDSWHU   5&:  H[FHSW SRVVHVVLRQ
160160 RI D FRQWUROOHG VXEVWDQFH 5&:   RU IRUJHG SUHVFULSWLRQ IRU
161161 DFRQWUROOHGVXEVWDQFH 5&:  
162162 E  $Q\ RIIHQVH GHILQHG DV D IHORQ\ XQGHU IHGHUDO ODZ WKDW
163163 UHODWHV WR WKH SRVVHVVLRQ PDQXIDFWXUH GLVWULEXWLRQ RU
164164 WUDQVSRUWDWLRQRIDFRQWUROOHGVXEVWDQFHRU
165165 F  $Q\ RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW XQGHU WKH
166166 ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D GUXJ RIIHQVH
167167 XQGHU D RIWKLVVXEVHFWLRQ
168168   (DUQHG UHOHDVH PHDQV HDUQHG UHOHDVH IURP FRQILQHPHQW DV
169169 SURYLGHGLQ5&: $ 
170170   (OHFWURQLF PRQLWRULQJ PHDQV WUDFNLQJ WKH ORFDWLRQ RI DQ
171171 LQGLYLGXDO WKURXJK WKH XVH RI WHFKQRORJ\ WKDW LV FDSDEOH RI
172172 GHWHUPLQLQJ RU LGHQWLI\LQJ WKH PRQLWRUHG LQGLYLGXDOV SUHVHQFH RU
173173 DEVHQFHDWDSDUWLFXODUORFDWLRQLQFOXGLQJEXWQRWOLPLWHGWR
174174 D  5DGLR IUHTXHQF\ VLJQDOLQJ WHFKQRORJ\ ZKLFK GHWHFWV LI WKH
175175 PRQLWRUHG LQGLYLGXDO LV RU LV QRW DW DQ DSSURYHG ORFDWLRQ DQG
176176 QRWLILHV WKH PRQLWRULQJ DJHQF\ RI WKH WLPH WKDW WKH PRQLWRUHG
177177 LQGLYLGXDO HLWKHU OHDYHV WKH DSSURYHG ORFDWLRQ RU WDPSHUV ZLWK RU
178178 UHPRYHVWKHPRQLWRULQJGHYLFHRU
179179 E  $FWLYH RU SDVVLYH JOREDO SRVLWLRQLQJ V\VWHP WHFKQRORJ\ ZKLFK
180180 GHWHFWV WKH ORFDWLRQ RI WKH PRQLWRUHG LQGLYLGXDO DQG QRWLILHV WKH
181181 PRQLWRULQJ DJHQF\ RI WKH PRQLWRUHG LQGLYLGXDOV ORFDWLRQ DQG ZKLFK
182182 PD\ DOVR LQFOXGH HOHFWURQLF PRQLWRULQJ ZLWK YLFWLP QRWLILFDWLRQ
183183 WHFKQRORJ\ WKDW LV FDSDEOH RI QRWLI\LQJ D YLFWLP RU SURWHFWHG SDUW\
184184 HLWKHU GLUHFWO\ RU WKURXJK D PRQLWRULQJ DJHQF\ LI WKH PRQLWRUHG
185185 LQGLYLGXDO HQWHUV ZLWKLQ WKH UHVWULFWHG GLVWDQFH RI D YLFWLP RU
186186 SURWHFWHG SDUW\ RU ZLWKLQ WKH UHVWULFWHG GLVWDQFH RI D GHVLJQDWHG
187187 ORFDWLRQ
188188 S +%  (VFDSHPHDQV
189189 D  6H[XDOO\ YLROHQW SUHGDWRU HVFDSH 5&: $  HVFDSH LQ
190190 WKH ILUVW GHJUHH 5&: $  HVFDSH LQ WKH VHFRQG GHJUHH 5&:
191191 $  ZLOOIXO IDLOXUH WR UHWXUQ IURP IXUORXJK 5&:  
192192 ZLOOIXO IDLOXUH WR UHWXUQ IURP ZRUN UHOHDVH 5&:   RU
193193 ZLOOIXO IDLOXUH WR EH DYDLODEOH IRU VXSHUYLVLRQ E\ WKH GHSDUWPHQW
194194 ZKLOHLQFRPPXQLW\FXVWRG\ 5&:  RU
195195 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
196196 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV DQ
197197 HVFDSHXQGHU D RIWKLVVXEVHFWLRQ
198198  )HORQ\WUDIILFRIIHQVHPHDQV
199199 D  9HKLFXODU KRPLFLGH 5&:   YHKLFXODU DVVDXOW 5&:
200200   HOXGLQJ D SROLFH RIILFHU 5&:   IHORQ\ KLWDQG
201201 UXQ LQMXU\DFFLGHQW 5&:    IHORQ\ GULYLQJ ZKLOH XQGHU
202202 WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ 5&:   
203203 RU IHORQ\ SK\VLFDO FRQWURO RI D YHKLFOH ZKLOH XQGHU WKH LQIOXHQFH RI
204204 LQWR[LFDWLQJOLTXRURUDQ\GUXJ 5&:   RU
205205 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
206206 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D IHORQ\
207207 WUDIILFRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
208208   )LQH PHDQV D VSHFLILF VXP RI PRQH\ RUGHUHG E\ WKH
209209 VHQWHQFLQJ FRXUW WR EH SDLG E\ WKH RIIHQGHU WR WKH FRXUW RYHU D
210210 VSHFLILFSHULRGRIWLPH
211211   )LUVWWLPH RIIHQGHU PHDQV DQ\ SHUVRQ ZKR KDV QR SULRU
212212 FRQYLFWLRQV IRU D IHORQ\ DQG LV HOLJLEOH IRU WKH ILUVWWLPH RIIHQGHU
213213 ZDLYHUXQGHU5&: $ 
214214   +RPH GHWHQWLRQ LV D VXEVHW RI HOHFWURQLF PRQLWRULQJ DQG
215215 PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW DYDLODEOH WR RIIHQGHUV ZKHUHLQ
216216 WKH RIIHQGHU LV FRQILQHG LQ D SULYDWH UHVLGHQFH  KRXUV D GD\
217217 XQOHVV DQ DEVHQFH IURP WKH UHVLGHQFH LV DSSURYHG DXWKRUL]HG RU
218218 RWKHUZLVH SHUPLWWHG LQ WKH RUGHU E\ WKH FRXUW RU RWKHU VXSHUYLVLQJ
219219 DJHQF\ WKDW RUGHUHG KRPH GHWHQWLRQ DQG WKH RIIHQGHU LV VXEMHFW WR
220220 HOHFWURQLFPRQLWRULQJ
221221   +RPHOHVVQHVV RU KRPHOHVV PHDQV D FRQGLWLRQ ZKHUH DQ
222222 LQGLYLGXDO ODFNV D IL[HG UHJXODU DQG DGHTXDWH QLJKWWLPH UHVLGHQFH
223223 DQGZKRKDVDSULPDU\QLJKWWLPHUHVLGHQFHWKDWLV
224224 D  $ VXSHUYLVHG SXEOLFO\ RU SULYDWHO\ RSHUDWHG VKHOWHU GHVLJQHG
225225 WRSURYLGHWHPSRUDU\OLYLQJDFFRPPRGDWLRQV
226226 E  $ SXEOLF RU SULYDWH SODFH QRW GHVLJQHG IRU RU RUGLQDULO\
227227 XVHGDVDUHJXODUVOHHSLQJDFFRPPRGDWLRQIRUKXPDQEHLQJVRU
228228 S +% F  $ SULYDWH UHVLGHQFH ZKHUH WKH LQGLYLGXDO VWD\V DV D WUDQVLHQW
229229 LQYLWHH
230230   /HJDO ILQDQFLDO REOLJDWLRQ PHDQV D VXP RI PRQH\ WKDW LV
231231 RUGHUHG E\ D VXSHULRU FRXUW RI WKH VWDWH RI :DVKLQJWRQ IRU OHJDO
232232 ILQDQFLDO REOLJDWLRQV ZKLFK PD\ LQFOXGH UHVWLWXWLRQ WR WKH YLFWLP
233233 VWDWXWRULO\ LPSRVHG FULPH YLFWLPV FRPSHQVDWLRQ IHHV DV DVVHVVHG
234234 SXUVXDQW WR 5&:   FRXUW FRVWV FRXQW\ RU LQWHUORFDO GUXJ
235235 IXQGV FRXUWDSSRLQWHG DWWRUQH\V IHHV DQG FRVWV RI GHIHQVH ILQHV
236236 DQG DQ\ RWKHU ILQDQFLDO REOLJDWLRQ WKDW LV DVVHVVHG WR WKH RIIHQGHU
237237 DV D UHVXOW RI D IHORQ\ FRQYLFWLRQ 8SRQ FRQYLFWLRQ IRU YHKLFXODU
238238 DVVDXOW ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ
239239 5&:   E  RU YHKLFXODU KRPLFLGH ZKLOH XQGHU WKH LQIOXHQFH
240240 RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ 5&:   D  OHJDO
241241 ILQDQFLDO REOLJDWLRQV PD\ DOVR LQFOXGH SD\PHQW WR D SXEOLF DJHQF\ RI
242242 WKH H[SHQVH RI DQ HPHUJHQF\ UHVSRQVH WR WKH LQFLGHQW UHVXOWLQJ LQ WKH
243243 FRQYLFWLRQVXEMHFWWR5&:  
244244   0RVW VHULRXV RIIHQVH PHDQV DQ\ RI WKH IROORZLQJ IHORQLHV
245245 RUDIHORQ\DWWHPSWWRFRPPLWDQ\RIWKHIROORZLQJIHORQLHV
246246 D  $Q\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $ IHORQ\ RU
247247 FULPLQDO VROLFLWDWLRQ RI RU FULPLQDO FRQVSLUDF\ WR FRPPLW D FODVV $
248248 IHORQ\
249249 E $VVDXOWLQWKHVHFRQGGHJUHH
250250 F $VVDXOWRIDFKLOGLQWKHVHFRQGGHJUHH
251251 G &KLOGPROHVWDWLRQLQWKHVHFRQGGHJUHH
252252 H &RQWUROOHGVXEVWDQFHKRPLFLGH
253253 I ([WRUWLRQLQWKHILUVWGHJUHH
254254 J ,QFHVWZKHQFRPPLWWHGDJDLQVWDFKLOGXQGHUDJH
255255 K ,QGHFHQWOLEHUWLHV
256256 L .LGQDSSLQJLQWKHVHFRQGGHJUHH
257257 M /HDGLQJRUJDQL]HGFULPH
258258 N 0DQVODXJKWHULQWKHILUVWGHJUHH
259259 O 0DQVODXJKWHULQWKHVHFRQGGHJUHH
260260 P 3URPRWLQJSURVWLWXWLRQLQWKHILUVWGHJUHH
261261 Q 5DSHLQWKHWKLUGGHJUHH
262262 R 6H[XDOH[SORLWDWLRQ
263263 S  9HKLFXODU DVVDXOW ZKHQ FDXVHG E\ WKH RSHUDWLRQ RU GULYLQJ RI
264264 D YHKLFOH E\ D SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
265265 OLTXRU RU DQ\ GUXJ RU E\ WKH RSHUDWLRQ RU GULYLQJ RI D YHKLFOH LQ D
266266 UHFNOHVVPDQQHU
267267 S +% T  9HKLFXODU KRPLFLGH ZKHQ SUR[LPDWHO\ FDXVHG E\ WKH GULYLQJ RI
268268 DQ\ YHKLFOH E\ DQ\ SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
269269 OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:   RU E\ WKH RSHUDWLRQ
270270 RIDQ\YHKLFOHLQDUHFNOHVVPDQQHU
271271 U  $Q\ RWKHU FODVV % IHORQ\ RIIHQVH ZLWK D ILQGLQJ RI VH[XDO
272272 PRWLYDWLRQ
273273 V  $Q\ RWKHU IHORQ\ ZLWK D GHDGO\ ZHDSRQ YHUGLFW XQGHU 5&:
274274 $ 
275275 W  $Q\ IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH SULRU WR 'HFHPEHU 
276276  WKDW LV FRPSDUDEOH WR D PRVW VHULRXV RIIHQVH XQGHU WKLV
277277 VXEVHFWLRQ RU DQ\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH
278278 WKDW XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
279279 PRVWVHULRXVRIIHQVHXQGHUWKLVVXEVHFWLRQ
280280 X L  $ SULRU FRQYLFWLRQ IRU LQGHFHQW OLEHUWLHV XQGHU 5&:
281281 $   D  E  DQG F  FKDSWHU  /DZV RI  VW H[
282282 VHVV DV LW H[LVWHG XQWLO -XO\   5&: $   D  E 
283283 DQG F  DV LW H[LVWHG IURP -XO\   XQWLO -XQH   DQG 5&:
284284 $   D  E  DQG G  DV LW H[LVWHG IURP -XQH  
285285 XQWLO-XO\
286286 LL  $ SULRU FRQYLFWLRQ IRU LQGHFHQW OLEHUWLHV XQGHU 5&:
287287 $  F  DV LW H[LVWHG IURP -XQH   XQWLO -XO\  
288288 LI $  7KH FULPH ZDV FRPPLWWHG DJDLQVW D FKLOG XQGHU WKH DJH RI 
289289 RU %  WKH UHODWLRQVKLS EHWZHHQ WKH YLFWLP DQG SHUSHWUDWRU LV
290290 LQFOXGHG LQ WKH GHILQLWLRQ RI LQGHFHQW OLEHUWLHV XQGHU 5&:
291291 $  F  DV LW H[LVWHG IURP -XO\   WKURXJK -XO\ 
292292  RU 5&: $   G  RU H  DV LW H[LVWHG IURP -XO\ 
293293 WKURXJK-XO\
294294 Y  $Q\ RXWRIVWDWH FRQYLFWLRQ IRU D IHORQ\ RIIHQVH ZLWK D
295295 ILQGLQJ RI VH[XDO PRWLYDWLRQ LI WKH PLQLPXP VHQWHQFH LPSRVHG ZDV 
296296 \HDUV RU PRUH SURYLGHG WKDW WKH RXWRIVWDWH IHORQ\ RIIHQVH PXVW EH
297297 FRPSDUDEOH WR D IHORQ\ RIIHQVH XQGHU WKLV WLWOH DQG 7LWOH $ 5&: DQG
298298 WKH RXWRIVWDWH GHILQLWLRQ RI VH[XDO PRWLYDWLRQ PXVW EH FRPSDUDEOH
299299 WRWKHGHILQLWLRQRIVH[XDOPRWLYDWLRQFRQWDLQHGLQWKLVVHFWLRQ
300300   1RQYLROHQW RIIHQVH PHDQV DQ RIIHQVH ZKLFK LV QRW D YLROHQW
301301 RIIHQVH
302302   2IIHQGHU PHDQV D SHUVRQ ZKR KDV FRPPLWWHG D IHORQ\
303303 HVWDEOLVKHG E\ VWDWH ODZ DQG LV  \HDUV RI DJH RU ROGHU RU LV OHVV
304304 WKDQ  \HDUV RI DJH EXW ZKRVH FDVH LV XQGHU VXSHULRU FRXUW
305305 MXULVGLFWLRQ XQGHU 5&:   RU KDV EHHQ WUDQVIHUUHG E\ WKH
306306 DSSURSULDWH MXYHQLOH FRXUW WR D FULPLQDO FRXUW SXUVXDQW WR 5&:
307307 S +%   ,Q DGGLWLRQ IRU WKH SXUSRVH RI FRPPXQLW\ FXVWRG\
308308 UHTXLUHPHQWV XQGHU WKLV FKDSWHU RIIHQGHU DOVR PHDQV D PLVGHPHDQDQW
309309 RU JURVV PLVGHPHDQDQW SUREDWLRQHU RUGHUHG E\ D VXSHULRU FRXUW WR
310310 SUREDWLRQ SXUVXDQW WR 5&:     RU   DQG
311311 VXSHUYLVHG E\ WKH GHSDUWPHQW SXUVXDQW WR 5&: $  DQG
312312 $  7KURXJKRXW WKLV FKDSWHU WKH WHUPV RIIHQGHU DQG
313313 GHIHQGDQWDUHXVHGLQWHUFKDQJHDEO\
314314   3DUWLDO FRQILQHPHQW PHDQV FRQILQHPHQW IRU QR PRUH WKDQ RQH
315315 \HDU LQ D IDFLOLW\ RU LQVWLWXWLRQ RSHUDWHG RU XWLOL]HG XQGHU FRQWUDFW
316316 E\ WKH VWDWH RU DQ\ RWKHU XQLW RI JRYHUQPHQW RU LI KRPH GHWHQWLRQ
317317 HOHFWURQLF PRQLWRULQJ RU ZRUN FUHZ KDV EHHQ RUGHUHG E\ WKH FRXUW RU
318318 KRPH GHWHQWLRQ KDV EHHQ RUGHUHG E\ WKH GHSDUWPHQW DV SDUW RI WKH
319319 SDUHQWLQJ SURJUDP RU WKH JUDGXDWHG UHHQWU\ SURJUDP LQ DQ DSSURYHG
320320 UHVLGHQFH IRU D VXEVWDQWLDO SRUWLRQ RI HDFK GD\ ZLWK WKH EDODQFH RI
321321 WKH GD\ VSHQW LQ WKH FRPPXQLW\ 3DUWLDO FRQILQHPHQW LQFOXGHV ZRUN
322322 UHOHDVH KRPH GHWHQWLRQ ZRUN FUHZ HOHFWURQLF PRQLWRULQJ DQG D
323323 FRPELQDWLRQRIZRUNFUHZHOHFWURQLFPRQLWRULQJDQGKRPHGHWHQWLRQ
324324  3DWWHUQRIFULPLQDOVWUHHWJDQJDFWLYLW\PHDQV
325325 D  7KH FRPPLVVLRQ DWWHPSW FRQVSLUDF\ RU VROLFLWDWLRQ RI RU
326326 DQ\ SULRU MXYHQLOH DGMXGLFDWLRQ RI RU DGXOW FRQYLFWLRQ RI WZR RU
327327 PRUHRIWKHIROORZLQJFULPLQDOVWUHHWJDQJUHODWHGRIIHQVHV
328328 L  $Q\ VHULRXV YLROHQW IHORQ\ RIIHQVH DV GHILQHG LQ WKLV
329329 VHFWLRQ H[FOXGLQJ +RPLFLGH E\ $EXVH 5&: $  DQG $VVDXOW RI D
330330 &KLOG 5&: $ 
331331 LL  $Q\ YLROHQW RIIHQVH DV GHILQHG E\ WKLV VHFWLRQ H[FOXGLQJ
332332 $VVDXOWRID&KLOG 5&: $ 
333333 LLL  'HOLYHU RU 3RVVHVVLRQ ZLWK ,QWHQW WR 'HOLYHU D &RQWUROOHG
334334 6XEVWDQFH FKDSWHU  5&: 
335335 LY  $Q\ YLRODWLRQ RI WKH ILUHDUPV DQG GDQJHURXV ZHDSRQ DFW
336336 FKDSWHU  5&: 
337337 Y 7KHIWRID)LUHDUP 5&: $ 
338338 YL 3RVVHVVLRQRID6WROHQ)LUHDUP 5&: $ 
339339 YLL +DWH&ULPH 5&: $ 
340340 YLLL  +DUDVVPHQW ZKHUH D VXEVHTXHQW YLRODWLRQ RU GHDGO\ WKUHDW
341341 LVPDGH 5&: $  E 
342342 L[ &ULPLQDO*DQJ,QWLPLGDWLRQ 5&: $ 
343343 [  $Q\ IHORQ\ FRQYLFWLRQ E\ D SHUVRQ  \HDUV RI DJH RU ROGHU
344344 ZLWK D VSHFLDO ILQGLQJ RI LQYROYLQJ D MXYHQLOH LQ D IHORQ\ RIIHQVH
345345 XQGHU5&: $ 
346346 [L 5HVLGHQWLDO%XUJODU\ 5&: $ 
347347 S +% [LL  [L %XUJODU\ 5&: $ 
348348 [LLL  [LL 0DOLFLRXV0LVFKLHI 5&: $ 
349349 [LY  [LLL 0DOLFLRXV0LVFKLHI 5&: $ 
350350 [Y  [LY 7KHIWRID0RWRU9HKLFOH 5&: $ 
351351 [YL  [Y  3RVVHVVLRQ RI D 6WROHQ 0RWRU 9HKLFOH 5&:
352352 $ 
353353 [YLL  [YL  7DNLQJ D 0RWRU 9HKLFOH :LWKRXW 3HUPLVVLRQ  5&:
354354 $ 
355355 [YLLL  [YLL  7DNLQJ D 0RWRU 9HKLFOH :LWKRXW 3HUPLVVLRQ 
356356 5&: $ 
357357 [L[  [YLLL ([WRUWLRQ 5&: $ 
358358 [[  [L[ ([WRUWLRQ 5&: $ 
359359 [[L  [[ ,QWLPLGDWLQJD:LWQHVV 5&: $ 
360360 [[LL  [[L 7DPSHULQJZLWKD:LWQHVV 5&: $ 
361361 [[LLL  [[LL 5HFNOHVV(QGDQJHUPHQW 5&: $ 
362362 [[LY  [[LLL &RHUFLRQ 5&: $ 
363363 [[Y  [[LY +DUDVVPHQW 5&: $ RU
364364 [[YL  [[Y 0DOLFLRXV0LVFKLHI 5&: $ 
365365 E  7KDW DW OHDVW RQH RI WKH RIIHQVHV OLVWHG LQ D  RI WKLV
366366 VXEVHFWLRQVKDOOKDYHRFFXUUHGDIWHU-XO\
367367 F  7KDW WKH PRVW UHFHQW FRPPLWWHG RIIHQVH OLVWHG LQ D  RI WKLV
368368 VXEVHFWLRQ RFFXUUHG ZLWKLQ WKUHH \HDUV RI D SULRU RIIHQVH OLVWHG LQ
369369 D RIWKLVVXEVHFWLRQDQG
370370 G  2I WKH RIIHQVHV WKDW ZHUH FRPPLWWHG LQ D  RI WKLV
371371 VXEVHFWLRQ WKH RIIHQVHV RFFXUUHG RQ VHSDUDWH RFFDVLRQV RU ZHUH
372372 FRPPLWWHGE\WZRRUPRUHSHUVRQV
373373  3HUVLVWHQWRIIHQGHULVDQRIIHQGHUZKR
374374 D L  +DV EHHQ FRQYLFWHG LQ WKLV VWDWH RI DQ\ IHORQ\ FRQVLGHUHG
375375 DPRVWVHULRXVRIIHQVHDQG
376376 LL  +DV EHIRUH WKH FRPPLVVLRQ RI WKH RIIHQVH XQGHU D  RI WKLV
377377 VXEVHFWLRQ EHHQ FRQYLFWHG DV DQ RIIHQGHU RQ DW OHDVW WZR VHSDUDWH
378378 RFFDVLRQV ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH RI IHORQLHV WKDW XQGHU
379379 WKH ODZV RI WKLV VWDWH ZRXOG EH FRQVLGHUHG PRVW VHULRXV RIIHQVHV DQG
380380 ZRXOG EH LQFOXGHG LQ WKH RIIHQGHU VFRUH XQGHU 5&: $  SURYLGHG
381381 WKDW RI WKH WZR RU PRUH SUHYLRXV FRQYLFWLRQV DW OHDVW RQH FRQYLFWLRQ
382382 PXVW KDYH RFFXUUHG EHIRUH WKH FRPPLVVLRQ RI DQ\ RI WKH RWKHU PRVW
383383 VHULRXVRIIHQVHVIRUZKLFKWKHRIIHQGHUZDVSUHYLRXVO\FRQYLFWHGRU
384384 E L  +DV EHHQ FRQYLFWHG RI $  5DSH LQ WKH ILUVW GHJUHH UDSH
385385 RI D FKLOG LQ WKH ILUVW GHJUHH FKLOG PROHVWDWLRQ LQ WKH ILUVW
386386 GHJUHH UDSH LQ WKH VHFRQG GHJUHH UDSH RI D FKLOG LQ WKH VHFRQG
387387 S +% GHJUHH RU LQGHFHQW OLEHUWLHV E\ IRUFLEOH FRPSXOVLRQ %  DQ\ RI WKH
388388 IROORZLQJ RIIHQVHV ZLWK D ILQGLQJ RI VH[XDO PRWLYDWLRQ 0XUGHU LQ WKH
389389 ILUVW GHJUHH PXUGHU LQ WKH VHFRQG GHJUHH KRPLFLGH E\ DEXVH
390390 NLGQDSSLQJ LQ WKH ILUVW GHJUHH NLGQDSSLQJ LQ WKH VHFRQG GHJUHH
391391 DVVDXOW LQ WKH ILUVW GHJUHH DVVDXOW LQ WKH VHFRQG GHJUHH DVVDXOW RI
392392 D FKLOG LQ WKH ILUVW GHJUHH DVVDXOW RI D FKLOG LQ WKH VHFRQG GHJUHH
393393 RU EXUJODU\ LQ WKH ILUVW GHJUHH RU &  DQ DWWHPSW WR FRPPLW DQ\
394394 FULPHOLVWHGLQWKLVVXEVHFWLRQ  E L DQG
395395 LL  +DV EHIRUH WKH FRPPLVVLRQ RI WKH RIIHQVH XQGHU E L  RI
396396 WKLV VXEVHFWLRQ EHHQ FRQYLFWHG DV DQ RIIHQGHU RQ DW OHDVW RQH
397397 RFFDVLRQ ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH RI DQ RIIHQVH OLVWHG LQ
398398 E L  RI WKLV VXEVHFWLRQ RU DQ\ IHGHUDO RU RXWRIVWDWH RIIHQVH RU
399399 RIIHQVH XQGHU SULRU :DVKLQJWRQ ODZ WKDW LV FRPSDUDEOH WR WKH RIIHQVHV
400400 OLVWHG LQ E L  RI WKLV VXEVHFWLRQ $ FRQYLFWLRQ IRU UDSH RI D FKLOG
401401 LQ WKH ILUVW GHJUHH FRQVWLWXWHV D FRQYLFWLRQ XQGHU E L  RI WKLV
402402 VXEVHFWLRQ RQO\ ZKHQ WKH RIIHQGHU ZDV  \HDUV RI DJH RU ROGHU ZKHQ
403403 WKH RIIHQGHU FRPPLWWHG WKH RIIHQVH $ FRQYLFWLRQ IRU UDSH RI D FKLOG
404404 LQ WKH VHFRQG GHJUHH FRQVWLWXWHV D FRQYLFWLRQ XQGHU E L  RI WKLV
405405 VXEVHFWLRQ RQO\ ZKHQ WKH RIIHQGHU ZDV  \HDUV RI DJH RU ROGHU ZKHQ
406406 WKHRIIHQGHUFRPPLWWHGWKHRIIHQVH
407407   3UHGDWRU\ PHDQV D  7KH SHUSHWUDWRU RI WKH FULPH ZDV D
408408 VWUDQJHU WR WKH YLFWLP DV GHILQHG LQ WKLV VHFWLRQ E  WKH
409409 SHUSHWUDWRU HVWDEOLVKHG RU SURPRWHG D UHODWLRQVKLS ZLWK WKH YLFWLP
410410 SULRU WR WKH RIIHQVH DQG WKH YLFWLPL]DWLRQ RI WKH YLFWLP ZDV D
411411 VLJQLILFDQW UHDVRQ WKH SHUSHWUDWRU HVWDEOLVKHG RU SURPRWHG WKH
412412 UHODWLRQVKLS RU F  WKH SHUSHWUDWRU ZDV L  $ WHDFKHU FRXQVHORU
413413 YROXQWHHU RU RWKHU SHUVRQ LQ DXWKRULW\ LQ DQ\ SXEOLF RU SULYDWH
414414 VFKRRO DQG WKH YLFWLP ZDV D VWXGHQW RI WKH VFKRRO XQGHU KLV RU KHU
415415 DXWKRULW\ RU VXSHUYLVLRQ )RU SXUSRVHV RI WKLV VXEVHFWLRQ VFKRRO
416416 GRHV QRW LQFOXGH KRPHEDVHG LQVWUXFWLRQ DV GHILQHG LQ 5&:
417417 $  LL  D FRDFK WUDLQHU YROXQWHHU RU RWKHU SHUVRQ LQ
418418 DXWKRULW\ LQ DQ\ UHFUHDWLRQDO DFWLYLW\ DQG WKH YLFWLP ZDV D
419419 SDUWLFLSDQW LQ WKH DFWLYLW\ XQGHU KLV RU KHU DXWKRULW\ RU
420420 VXSHUYLVLRQ LLL  D SDVWRU HOGHU YROXQWHHU RU RWKHU SHUVRQ LQ
421421 DXWKRULW\ LQ DQ\ FKXUFK RU UHOLJLRXV RUJDQL]DWLRQ DQG WKH YLFWLP ZDV
422422 D PHPEHU RU SDUWLFLSDQW RI WKH RUJDQL]DWLRQ XQGHU KLV RU KHU
423423 DXWKRULW\ RU LY  D WHDFKHU FRXQVHORU YROXQWHHU RU RWKHU SHUVRQ
424424 LQ DXWKRULW\ SURYLGLQJ KRPHEDVHG LQVWUXFWLRQ DQG WKH YLFWLP ZDV D
425425 VWXGHQW UHFHLYLQJ KRPHEDVHG LQVWUXFWLRQ ZKLOH XQGHU KLV RU KHU
426426 DXWKRULW\ RU VXSHUYLVLRQ )RU SXUSRVHV RI WKLV VXEVHFWLRQ $  +RPH
427427 S +% EDVHG LQVWUXFWLRQ KDV WKH VDPH PHDQLQJ DV GHILQHG LQ 5&:
428428 $  DQG %  WHDFKHU FRXQVHORU YROXQWHHU RU RWKHU SHUVRQ
429429 LQ DXWKRULW\ GRHV QRW LQFOXGH WKH SDUHQW RU OHJDO JXDUGLDQ RI WKH
430430 YLFWLP
431431   3ULYDWH VFKRRO PHDQV D VFKRRO UHJXODWHG XQGHU FKDSWHU
432432 $ RU $ 5&:
433433  3XEOLFVFKRROKDVWKHVDPHPHDQLQJDVLQ5&: $ 
434434   5HFLGLYLVW RIIHQVH PHDQV D IHORQ\ RIIHQVH ZKHUH D SULRU
435435 FRQYLFWLRQ RI WKH VDPH RIIHQVH RU RWKHU VSHFLILHG RIIHQVH LV DQ
436436 HOHPHQWRIWKHFULPHLQFOXGLQJEXWQRWOLPLWHGWR
437437 D  $VVDXOW LQ WKH IRXUWK GHJUHH ZKHUH GRPHVWLF YLROHQFH LV
438438 SOHDGHGDQGSURYHQ5&: $  
439439 E &\EHUKDUDVVPHQW5&: $  E L 
440440 F +DUDVVPHQW5&: $  E L 
441441 G ,QGHFHQWH[SRVXUH5&: $  F 
442442 H 6WDONLQJ5&: $  E  L DQG LLL 
443443 I 7HOHSKRQHKDUDVVPHQW5&:   D DQG
444444 J  9LRODWLRQ RI D QRFRQWDFW RU SURWHFWLRQ RUGHU 5&: 
445445 RUIRUPHU5&:   
446446  5HSHWLWLYHGRPHVWLFYLROHQFHRIIHQVHPHDQVDQ\
447447 D L  'RPHVWLF YLROHQFH DVVDXOW WKDW LV QRW D IHORQ\ RIIHQVH
448448 XQGHU5&: $ 
449449 LL  'RPHVWLF YLROHQFH YLRODWLRQ RI D QRFRQWDFW RUGHU XQGHU
450450 FKDSWHU  5&: WKDWLVQRWDIHORQ\RIIHQVH
451451 LLL  'RPHVWLF YLROHQFH YLRODWLRQ RI D SURWHFWLRQ RUGHU XQGHU
452452 FKDSWHU   $  RU %  5&: RU IRUPHU FKDSWHU   5&:  RU
453453 YLRODWLRQ RI D GRPHVWLF YLROHQFH SURWHFWLRQ RUGHU XQGHU FKDSWHU 
454454 5&: WKDWLVQRWDIHORQ\RIIHQVH
455455 LY  'RPHVWLF YLROHQFH KDUDVVPHQW RIIHQVH XQGHU 5&: $
456456 WKDWLVQRWDIHORQ\RIIHQVHRU
457457 Y  'RPHVWLF YLROHQFH VWDONLQJ RIIHQVH XQGHU 5&: $  WKDW
458458 LVQRWDIHORQ\RIIHQVHRU
459459 E  $Q\ IHGHUDO RXWRIVWDWH WULEDO FRXUW PLOLWDU\ FRXQW\ RU
460460 PXQLFLSDO FRQYLFWLRQ IRU DQ RIIHQVH WKDW XQGHU WKH ODZV RI WKLV VWDWH
461461 ZRXOG EH FODVVLILHG DV D UHSHWLWLYH GRPHVWLF YLROHQFH RIIHQVH XQGHU
462462 D RIWKLVVXEVHFWLRQ
463463   5HVWLWXWLRQ PHDQV D VSHFLILF VXP RI PRQH\ RUGHUHG E\ WKH
464464 VHQWHQFLQJ FRXUW WR EH SDLG E\ WKH RIIHQGHU WR WKH FRXUW RYHU D
465465 VSHFLILHG SHULRG RI WLPH DV SD\PHQW RI GDPDJHV 7KH VXP PD\ LQFOXGH
466466 ERWKSXEOLFDQGSULYDWHFRVWV
467467 S +%   5LVN DVVHVVPHQW PHDQV WKH DSSOLFDWLRQ RI WKH ULVN
468468 LQVWUXPHQW UHFRPPHQGHG WR WKH GHSDUWPHQW E\ WKH :DVKLQJWRQ VWDWH
469469 LQVWLWXWH IRU SXEOLF SROLF\ DV KDYLQJ WKH KLJKHVW GHJUHH RI
470470 SUHGLFWLYHDFFXUDF\IRUDVVHVVLQJDQRIIHQGHUVULVNRIUHRIIHQVH
471471  6HULRXVWUDIILFRIIHQVHPHDQV
472472 D  1RQIHORQ\ GULYLQJ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
473473 OLTXRU RU DQ\ GUXJ 5&:   QRQIHORQ\ DFWXDO SK\VLFDO FRQWURO
474474 ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ 5&:
475475   UHFNOHVV GULYLQJ 5&:   RU KLWDQGUXQ DQ
476476 DWWHQGHGYHKLFOH 5&:   RU
477477 E  $Q\ IHGHUDO RXWRIVWDWH FRXQW\ RU PXQLFLSDO FRQYLFWLRQ
478478 IRU DQ RIIHQVH WKDW XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH FODVVLILHG
479479 DVDVHULRXVWUDIILFRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
480480   6HULRXV YLROHQW RIIHQVH LV D VXEFDWHJRU\ RI YLROHQW
481481 RIIHQVHDQGPHDQV
482482 D L 0XUGHULQWKHILUVWGHJUHH
483483 LL +RPLFLGHE\DEXVH
484484 LLL 0XUGHULQWKHVHFRQGGHJUHH
485485 LY 0DQVODXJKWHULQWKHILUVWGHJUHH
486486 Y $VVDXOWLQWKHILUVWGHJUHH
487487 YL .LGQDSSLQJLQWKHILUVWGHJUHH
488488 YLL 5DSHLQWKHILUVWGHJUHH
489489 YLLL $VVDXOWRIDFKLOGLQWKHILUVWGHJUHHRU
490490 L[  $Q DWWHPSW FULPLQDO VROLFLWDWLRQ RU FULPLQDO FRQVSLUDF\ WR
491491 FRPPLWRQHRIWKHVHIHORQLHVRU
492492 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
493493 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
494494 VHULRXVYLROHQWRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
495495  6H[RIIHQVHPHDQV
496496 D L  $ IHORQ\ WKDW LV D YLRODWLRQ RI FKDSWHU $  5&:  RWKHU
497497 WKDQ5&: $ 
498498 LL $YLRODWLRQRI5&: $ 
499499 LLL  $ IHORQ\ WKDW LV D YLRODWLRQ RI FKDSWHU $  5&:  RWKHU
500500 WKDQ5&: $ 
501501 LY  $ IHORQ\ WKDW LV XQGHU FKDSWHU $  5&:  D FULPLQDO
502502 DWWHPSW FULPLQDO VROLFLWDWLRQ RU FULPLQDO FRQVSLUDF\ WR FRPPLW VXFK
503503 FULPHVRU
504504 Y  $ IHORQ\ YLRODWLRQ RI 5&: $   IDLOXUH WR UHJLVWHU
505505 DV D VH[ RIIHQGHU  LI WKH SHUVRQ KDV EHHQ FRQYLFWHG RI YLRODWLQJ 5&:
506506 S +% $   IDLOXUH WR UHJLVWHU DV D VH[ RIIHQGHU  RU $
507507 SULRUWR-XQHRQDWOHDVWRQHSULRURFFDVLRQ
508508 E  $Q\ FRQYLFWLRQ IRU D IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH
509509 SULRU WR -XO\   WKDW LV FRPSDUDEOH WR D IHORQ\ FODVVLILHG DV D
510510 VH[RIIHQVHLQ D RIWKLVVXEVHFWLRQ
511511 F  $ IHORQ\ ZLWK D ILQGLQJ RI VH[XDO PRWLYDWLRQ XQGHU 5&:
512512 $ RU  RU
513513 G  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
514514 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D VH[
515515 RIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
516516   6H[XDO PRWLYDWLRQ PHDQV WKDW RQH RI WKH SXUSRVHV IRU ZKLFK
517517 WKH GHIHQGDQW FRPPLWWHG WKH FULPH ZDV IRU WKH SXUSRVH RI KLV RU KHU
518518 VH[XDOJUDWLILFDWLRQ
519519   6WDQGDUG VHQWHQFH UDQJH PHDQV WKH VHQWHQFLQJ FRXUWV
520520 GLVFUHWLRQDU\UDQJHLQLPSRVLQJDQRQDSSHDODEOHVHQWHQFH
521521   6WDWXWRU\ PD[LPXP VHQWHQFH PHDQV WKH PD[LPXP OHQJWK RI
522522 WLPH IRU ZKLFK DQ RIIHQGHU PD\ EH FRQILQHG DV SXQLVKPHQW IRU D FULPH
523523 DV SUHVFULEHG LQ FKDSWHU $  5&:  5&:   WKH VWDWXWH
524524 GHILQLQJ WKH FULPH RU RWKHU VWDWXWH GHILQLQJ WKH PD[LPXP SHQDOW\ IRU
525525 DFULPH
526526   6WUDQJHU PHDQV WKDW WKH YLFWLP GLG QRW NQRZ WKH RIIHQGHU
527527 KRXUVEHIRUHWKHRIIHQVH
528528   7RWDO FRQILQHPHQW PHDQV FRQILQHPHQW LQVLGH WKH SK\VLFDO
529529 ERXQGDULHV RI D IDFLOLW\ RU LQVWLWXWLRQ RSHUDWHG RU XWLOL]HG XQGHU
530530 FRQWUDFW E\ WKH VWDWH RU DQ\ RWKHU XQLW RI JRYHUQPHQW IRU  KRXUV D
531531 GD\RUSXUVXDQWWR5&:  DQG  
532532   7UDQVLWLRQ WUDLQLQJ PHDQV ZULWWHQ DQG YHUEDO LQVWUXFWLRQV
533533 DQG DVVLVWDQFH SURYLGHG E\ WKH GHSDUWPHQW WR WKH RIIHQGHU GXULQJ WKH
534534 WZR ZHHNV SULRU WR WKH RIIHQGHUV VXFFHVVIXO FRPSOHWLRQ RI WKH ZRUN
535535 HWKLF FDPS SURJUDP 7KH WUDQVLWLRQ WUDLQLQJ VKDOO LQFOXGH
536536 LQVWUXFWLRQV LQ WKH RIIHQGHUV UHTXLUHPHQWV DQG REOLJDWLRQV GXULQJ
537537 WKHRIIHQGHUVSHULRGRIFRPPXQLW\FXVWRG\
538538   9LFWLP PHDQV DQ\ SHUVRQ ZKR KDV VXVWDLQHG HPRWLRQDO
539539 SV\FKRORJLFDO SK\VLFDO RU ILQDQFLDO LQMXU\ WR SHUVRQ RU SURSHUW\ DV
540540 DGLUHFWUHVXOWRIWKHFULPHFKDUJHG
541541   9LFWLP RI GRPHVWLF YLROHQFH PHDQV DQ LQWLPDWH SDUWQHU RU
542542 KRXVHKROG PHPEHU ZKR KDV EHHQ VXEMHFWHG WR WKH LQIOLFWLRQ RI SK\VLFDO
543543 KDUP RU VH[XDO DQG SV\FKRORJLFDO DEXVH E\ DQ LQWLPDWH SDUWQHU RU
544544 KRXVHKROG PHPEHU DV SDUW RI D SDWWHUQ RI DVVDXOWLYH FRHUFLYH DQG
545545 FRQWUROOLQJ EHKDYLRUV GLUHFWHG DW DFKLHYLQJ FRPSOLDQFH IURP RU
546546 S +% FRQWURO RYHU WKDW LQWLPDWH SDUWQHU RU KRXVHKROG PHPEHU 'RPHVWLF
547547 YLROHQFH LQFOXGHV EXW LV QRW OLPLWHG WR WKH RIIHQVHV OLVWHG LQ 5&:
548548   DQG   FRPPLWWHG E\ DQ LQWLPDWH SDUWQHU RU KRXVHKROG
549549 PHPEHU DJDLQVW D YLFWLP ZKR LV DQ LQWLPDWH SDUWQHU RU KRXVHKROG
550550 PHPEHU
551551   9LFWLP RI VH[ WUDIILFNLQJ SURVWLWXWLRQ RU FRPPHUFLDO
552552 VH[XDO DEXVH RI D PLQRU PHDQV D SHUVRQ ZKR KDV EHHQ IRUFHG RU
553553 FRHUFHG WR SHUIRUP D FRPPHUFLDO VH[ DFW LQFOXGLQJ EXW QRW OLPLWHG
554554 WR EHLQJ D YLFWLP RI RIIHQVHV GHILQHG LQ 5&: $  $ 
555555 $  DQG WKH WUDIILFNLQJ YLFWLPV SURWHFWLRQ DFW RI  
556556 86& 6HF  HW VHT RU D SHUVRQ ZKR ZDV LQGXFHG WR SHUIRUP D
557557 FRPPHUFLDO VH[ DFW ZKHQ WKH\ ZHUH OHVV WKDQ  \HDUV RI DJH LQFOXGLQJ
558558 EXWQRWOLPLWHGWRWKHRIIHQVHVGHILQHGLQ FKDSWHU $ 5&: 
559559   9LFWLP RI VH[XDO DVVDXOW PHDQV DQ\ SHUVRQ ZKR LV D YLFWLP
560560 RI D VH[XDO DVVDXOW RIIHQVH QRQFRQVHQVXDO VH[XDO FRQGXFW RU
561561 QRQFRQVHQVXDO VH[XDO SHQHWUDWLRQ DQG DV D UHVXOW VXIIHUV SK\VLFDO
562562 HPRWLRQDO ILQDQFLDO RU SV\FKRORJLFDO LPSDFWV 6H[XDO DVVDXOW
563563 RIIHQVHV LQFOXGH EXW DUH QRW OLPLWHG WR WKH RIIHQVHV GHILQHG LQ
564564 FKDSWHU $ 5&: 
565565  9LROHQWRIIHQVHPHDQV
566566 D $Q\RIWKHIROORZLQJIHORQLHV
567567 L  $Q\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $ IHORQ\ RU DQ
568568 DWWHPSWWRFRPPLWDFODVV$IHORQ\
569569 LL  &ULPLQDO VROLFLWDWLRQ RI RU FULPLQDO FRQVSLUDF\ WR FRPPLW D
570570 FODVV$IHORQ\
571571 LLL 0DQVODXJKWHULQWKHILUVWGHJUHH
572572 LY 0DQVODXJKWHULQWKHVHFRQGGHJUHH
573573 Y ,QGHFHQWOLEHUWLHVLIFRPPLWWHGE\IRUFLEOHFRPSXOVLRQ
574574 YL .LGQDSSLQJLQWKHVHFRQGGHJUHH
575575 YLL $UVRQLQWKHVHFRQGGHJUHH
576576 YLLL $VVDXOWLQWKHVHFRQGGHJUHH
577577 L[ $VVDXOWRIDFKLOGLQWKHVHFRQGGHJUHH
578578 [ ([WRUWLRQLQWKHILUVWGHJUHH
579579 [L 5REEHU\LQWKHVHFRQGGHJUHH
580580 [LL 'ULYHE\VKRRWLQJ
581581 [LLL  9HKLFXODU DVVDXOW ZKHQ FDXVHG E\ WKH RSHUDWLRQ RU GULYLQJ
582582 RI D YHKLFOH E\ D SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
583583 OLTXRU RU DQ\ GUXJ RU E\ WKH RSHUDWLRQ RU GULYLQJ RI D YHKLFOH LQ D
584584 UHFNOHVVPDQQHUDQG
585585 S +% [LY  9HKLFXODU KRPLFLGH ZKHQ SUR[LPDWHO\ FDXVHG E\ WKH GULYLQJ
586586 RI DQ\ YHKLFOH E\ DQ\ SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI
587587 LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:   RU E\
588588 WKHRSHUDWLRQRIDQ\YHKLFOHLQDUHFNOHVVPDQQHU
589589 E  $Q\ FRQYLFWLRQ IRU D IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH
590590 SULRU WR -XO\   WKDW LV FRPSDUDEOH WR D IHORQ\ FODVVLILHG DV D
591591 YLROHQWRIIHQVHLQ D RIWKLVVXEVHFWLRQDQG
592592 F  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
593593 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
594594 YLROHQWRIIHQVHXQGHU D RU E RIWKLVVXEVHFWLRQ
595595   :RUN FUHZ PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW
596596 FRQVLVWLQJ RI FLYLF LPSURYHPHQW WDVNV IRU WKH EHQHILW RI WKH
597597 FRPPXQLW\WKDWFRPSOLHVZLWK5&: $ 
598598   :RUN HWKLF FDPS PHDQV DQ DOWHUQDWLYH LQFDUFHUDWLRQ SURJUDP
599599 DV SURYLGHG LQ 5&: $  GHVLJQHG WR UHGXFH UHFLGLYLVP DQG ORZHU
600600 WKH FRVW RI FRUUHFWLRQV E\ UHTXLULQJ RIIHQGHUV WR FRPSOHWH D
601601 FRPSUHKHQVLYH DUUD\ RI UHDOZRUOG MRE DQG YRFDWLRQDO H[SHULHQFHV
602602 FKDUDFWHUEXLOGLQJ ZRUN HWKLFV WUDLQLQJ OLIH PDQDJHPHQW VNLOOV
603603 GHYHORSPHQW VXEVWDQFH DEXVH UHKDELOLWDWLRQ FRXQVHOLQJ OLWHUDF\
604604 WUDLQLQJDQGEDVLFDGXOWHGXFDWLRQ
605605   :RUN UHOHDVH PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW
606606 DYDLODEOH WR RIIHQGHUV ZKR DUH HPSOR\HG RU HQJDJHG DV D VWXGHQW LQ D
607607 UHJXODUFRXUVHRIVWXG\DWVFKRRO
608608 6HF   5&: $  DQG  F  V  DUH HDFK DPHQGHG WR
609609 UHDGDVIROORZV
610610 8QOHVV WKH FRQWH[W FOHDUO\ UHTXLUHV RWKHUZLVH WKH GHILQLWLRQV LQ
611611 WKLVVHFWLRQDSSO\WKURXJKRXWWKLVFKDSWHU
612612   %RDUG PHDQV WKH LQGHWHUPLQDWH VHQWHQFH UHYLHZ ERDUG FUHDWHG
613613 XQGHU FKDSWHU  5&: 
614614   &ROOHFW RU DQ\ GHULYDWLYH WKHUHRI FROOHFW DQG UHPLW RU
615615 FROOHFW DQG GHOLYHU ZKHQ XVHG ZLWK UHIHUHQFH WR WKH GHSDUWPHQW
616616 PHDQV WKDW WKH GHSDUWPHQW HLWKHU GLUHFWO\ RU WKURXJK D FROOHFWLRQ
617617 DJUHHPHQW DXWKRUL]HG E\ 5&: $  LV UHVSRQVLEOH IRU PRQLWRULQJ
618618 DQG HQIRUFLQJ WKH RIIHQGHUV VHQWHQFH ZLWK UHJDUG WR WKH OHJDO
619619 ILQDQFLDO REOLJDWLRQ UHFHLYLQJ SD\PHQW WKHUHRI IURP WKH RIIHQGHU
620620 DQG FRQVLVWHQW ZLWK FXUUHQW ODZ GHOLYHULQJ GDLO\ WKH HQWLUH SD\PHQW
621621 WR WKH VXSHULRU FRXUW FOHUN ZLWKRXW GHSRVLWLQJ LW LQ D GHSDUWPHQWDO
622622 DFFRXQW
623623  &RPPLVVLRQPHDQVWKHVHQWHQFLQJJXLGHOLQHVFRPPLVVLRQ
624624 S +%   &RPPXQLW\ FRUUHFWLRQV RIILFHU PHDQV DQ HPSOR\HH RI WKH
625625 GHSDUWPHQW ZKR LV UHVSRQVLEOH IRU FDUU\LQJ RXW VSHFLILF GXWLHV LQ
626626 VXSHUYLVLRQ RI VHQWHQFHG RIIHQGHUV DQG PRQLWRULQJ RI VHQWHQFH
627627 FRQGLWLRQV
628628   &RPPXQLW\ FXVWRG\ PHDQV WKDW SRUWLRQ RI DQ RIIHQGHUV
629629 VHQWHQFH RI FRQILQHPHQW LQ OLHX RI HDUQHG UHOHDVH WLPH RU LPSRVHG DV
630630 SDUW RI D VHQWHQFH XQGHU WKLV FKDSWHU DQG VHUYHG LQ WKH FRPPXQLW\
631631 VXEMHFW WR FRQWUROV SODFHG RQ WKH RIIHQGHUV PRYHPHQW DQG DFWLYLWLHV
632632 E\WKHGHSDUWPHQW
633633   &RPPXQLW\ SURWHFWLRQ ]RQH PHDQV WKH DUHD ZLWKLQ  IHHW RI
634634 WKHIDFLOLWLHVDQGJURXQGVRIDSXEOLFRUSULYDWHVFKRRO
635635   &RPPXQLW\ UHVWLWXWLRQ PHDQV FRPSXOVRU\ VHUYLFH ZLWKRXW
636636 FRPSHQVDWLRQ SHUIRUPHG IRU WKH EHQHILW RI WKH FRPPXQLW\ E\ WKH
637637 RIIHQGHU
638638  &RQILQHPHQWPHDQVWRWDORUSDUWLDOFRQILQHPHQW
639639   &RQYLFWLRQ PHDQV DQ DGMXGLFDWLRQ RI JXLOW SXUVXDQW WR 7LWOH
640640  RU  5&: DQG LQFOXGHV D YHUGLFW RI JXLOW\ D ILQGLQJ RI JXLOW\
641641 DQGDFFHSWDQFHRIDSOHDRIJXLOW\
642642   &ULPHUHODWHG SURKLELWLRQ PHDQV DQ RUGHU RI D FRXUW
643643 SURKLELWLQJ FRQGXFW WKDW GLUHFWO\ UHODWHV WR WKH FLUFXPVWDQFHV RI WKH
644644 FULPH IRU ZKLFK WKH RIIHQGHU KDV EHHQ FRQYLFWHG DQG VKDOO QRW EH
645645 FRQVWUXHG WR PHDQ RUGHUV GLUHFWLQJ DQ RIIHQGHU DIILUPDWLYHO\ WR
646646 SDUWLFLSDWH LQ UHKDELOLWDWLYH SURJUDPV RU WR RWKHUZLVH SHUIRUP
647647 DIILUPDWLYH FRQGXFW +RZHYHU DIILUPDWLYH DFWV QHFHVVDU\ WR PRQLWRU
648648 FRPSOLDQFH ZLWK WKH RUGHU RI D FRXUW PD\ EH UHTXLUHG E\ WKH
649649 GHSDUWPHQW
650650   &ULPLQDO KLVWRU\ PHDQV WKH OLVW RI D GHIHQGDQWV SULRU
651651 FRQYLFWLRQV DQG MXYHQLOH DGMXGLFDWLRQV ZKHWKHU LQ WKLV VWDWH LQ
652652 IHGHUDO FRXUW RU HOVHZKHUH DQG DQ\ LVVXHG FHUWLILFDWHV RI
653653 UHVWRUDWLRQRIRSSRUWXQLW\SXUVXDQWWR5&:  
654654 D  7KH KLVWRU\ VKDOO LQFOXGH ZKHUH NQRZQ IRU HDFK FRQYLFWLRQ
655655 L  ZKHWKHU WKH GHIHQGDQW KDV EHHQ SODFHG RQ SUREDWLRQ DQG WKH OHQJWK
656656 DQG WHUPV WKHUHRI DQG LL  ZKHWKHU WKH GHIHQGDQW KDV EHHQ
657657 LQFDUFHUDWHGDQGWKHOHQJWKRILQFDUFHUDWLRQ
658658 E  $ FRQYLFWLRQ PD\ EH UHPRYHG IURP D GHIHQGDQWV FULPLQDO
659659 KLVWRU\ RQO\ LI LW LV YDFDWHG SXUVXDQW WR 5&:   $ 
660660   RU D VLPLODU RXWRIVWDWH VWDWXWH RU LI WKH FRQYLFWLRQ KDV
661661 EHHQ YDFDWHG SXUVXDQW WR D JRYHUQRUV SDUGRQ +RZHYHU ZKHQ D
662662 GHIHQGDQW LV FKDUJHG ZLWK D UHFLGLYLVW RIIHQVH FULPLQDO KLVWRU\
663663 LQFOXGHV D YDFDWHG SULRU FRQYLFWLRQ IRU WKH VROH SXUSRVH RI
664664 S +% HVWDEOLVKLQJ WKDW VXFK YDFDWHG SULRU FRQYLFWLRQ FRQVWLWXWHV DQ
665665 HOHPHQW RI WKH SUHVHQW UHFLGLYLVW RIIHQVH DV SURYLGHG LQ 5&:
666666 $  E DQG     F 
667667 F  7KH GHWHUPLQDWLRQ RI D GHIHQGDQWV FULPLQDO KLVWRU\ LV
668668 GLVWLQFW IURP WKH GHWHUPLQDWLRQ RI DQ RIIHQGHU VFRUH $ SULRU
669669 FRQYLFWLRQ WKDW ZDV QRW LQFOXGHG LQ DQ RIIHQGHU VFRUH FDOFXODWHG
670670 SXUVXDQW WR D IRUPHU YHUVLRQ RI WKH VHQWHQFLQJ UHIRUP DFW UHPDLQV
671671 SDUWRIWKHGHIHQGDQWVFULPLQDOKLVWRU\
672672   &ULPLQDO VWUHHW JDQJ PHDQV DQ\ RQJRLQJ RUJDQL]DWLRQ
673673 DVVRFLDWLRQ RU JURXS RI WKUHH RU PRUH SHUVRQV ZKHWKHU IRUPDO RU
674674 LQIRUPDO KDYLQJ D FRPPRQ QDPH RU FRPPRQ LGHQWLI\LQJ VLJQ RU V\PERO
675675 KDYLQJ DV RQH RI LWV SULPDU\ DFWLYLWLHV WKH FRPPLVVLRQ RI FULPLQDO
676676 DFWV DQG ZKRVH PHPEHUV RU DVVRFLDWHV LQGLYLGXDOO\ RU FROOHFWLYHO\
677677 HQJDJH LQ RU KDYH HQJDJHG LQ D SDWWHUQ RI FULPLQDO VWUHHW JDQJ
678678 DFWLYLW\ 7KLV GHILQLWLRQ GRHV QRW DSSO\ WR HPSOR\HHV HQJDJHG LQ
679679 FRQFHUWHG DFWLYLWLHV IRU WKHLU PXWXDO DLG DQG SURWHFWLRQ RU WR WKH
680680 DFWLYLWLHV RI ODERU DQG ERQD ILGH QRQSURILW RUJDQL]DWLRQV RU WKHLU
681681 PHPEHUVRUDJHQWV
682682   &ULPLQDO VWUHHW JDQJ DVVRFLDWH RU PHPEHU PHDQV DQ\ SHUVRQ
683683 ZKR DFWLYHO\ SDUWLFLSDWHV LQ DQ\ FULPLQDO VWUHHW JDQJ DQG ZKR
684684 LQWHQWLRQDOO\ SURPRWHV IXUWKHUV RU DVVLVWV LQ DQ\ FULPLQDO DFW E\
685685 WKHFULPLQDOVWUHHWJDQJ
686686   &ULPLQDO VWUHHW JDQJUHODWHG RIIHQVH PHDQV DQ\ IHORQ\ RU
687687 PLVGHPHDQRU RIIHQVH ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH WKDW LV
688688 FRPPLWWHG IRU WKH EHQHILW RI DW WKH GLUHFWLRQ RI RU LQ DVVRFLDWLRQ
689689 ZLWK DQ\ FULPLQDO VWUHHW JDQJ RU LV FRPPLWWHG ZLWK WKH LQWHQW WR
690690 SURPRWH IXUWKHU RU DVVLVW LQ DQ\ FULPLQDO FRQGXFW E\ WKH JDQJ RU
691691 LVFRPPLWWHGIRURQHRUPRUHRIWKHIROORZLQJUHDVRQV
692692 D 7RJDLQDGPLVVLRQSUHVWLJHRUSURPRWLRQZLWKLQWKHJDQJ
693693 E  7R LQFUHDVH RU PDLQWDLQ WKH JDQJV VL]H PHPEHUVKLS
694694 SUHVWLJHGRPLQDQFHRUFRQWUROLQDQ\JHRJUDSKLFDODUHD
695695 F  7R H[DFW UHYHQJH RU UHWULEXWLRQ IRU WKH JDQJ RU DQ\ PHPEHU RI
696696 WKHJDQJ
697697 G  7R REVWUXFW MXVWLFH RU LQWLPLGDWH RU HOLPLQDWH DQ\ ZLWQHVV
698698 DJDLQVWWKHJDQJRUDQ\PHPEHURIWKHJDQJ
699699 H  7R GLUHFWO\ RU LQGLUHFWO\ FDXVH DQ\ EHQHILW DJJUDQGL]HPHQW
700700 JDLQ SURILW RU RWKHU DGYDQWDJH IRU WKH JDQJ LWV UHSXWDWLRQ
701701 LQIOXHQFHRUPHPEHUVKLSRU
702702 I  7R SURYLGH WKH JDQJ ZLWK DQ\ DGYDQWDJH LQ RU DQ\ FRQWURO RU
703703 GRPLQDQFH RYHU DQ\ FULPLQDO PDUNHW VHFWRU LQFOXGLQJ EXW QRW OLPLWHG
704704 S +% WR PDQXIDFWXULQJ GHOLYHULQJ RU VHOOLQJ DQ\ FRQWUROOHG VXEVWDQFH
705705 FKDSWHU   5&:  DUVRQ FKDSWHU $  5&:  WUDIILFNLQJ LQ VWROHQ
706706 SURSHUW\ FKDSWHU $  5&:  SURPRWLQJ SURVWLWXWLRQ FKDSWHU $
707707 5&:  KXPDQ WUDIILFNLQJ 5&: $  SURPRWLQJ FRPPHUFLDO VH[XDO
708708 DEXVH RI D PLQRU 5&: $  RU SURPRWLQJ SRUQRJUDSK\ FKDSWHU
709709  5&: 
710710   'D\ ILQH PHDQV D ILQH LPSRVHG E\ WKH VHQWHQFLQJ FRXUW WKDW
711711 HTXDOV WKH GLIIHUHQFH EHWZHHQ WKH RIIHQGHUV QHW GDLO\ LQFRPH DQG WKH
712712 UHDVRQDEOH REOLJDWLRQV WKDW WKH RIIHQGHU KDV IRU WKH VXSSRUW RI WKH
713713 RIIHQGHUDQGDQ\GHSHQGHQWV
714714   'D\ UHSRUWLQJ PHDQV D SURJUDP RI HQKDQFHG VXSHUYLVLRQ
715715 GHVLJQHG WR PRQLWRU WKH RIIHQGHUV GDLO\ DFWLYLWLHV DQG FRPSOLDQFH
716716 ZLWK VHQWHQFH FRQGLWLRQV DQG LQ ZKLFK WKH RIIHQGHU LV UHTXLUHG WR
717717 UHSRUW GDLO\ WR D VSHFLILF ORFDWLRQ GHVLJQDWHG E\ WKH GHSDUWPHQW RU
718718 WKHVHQWHQFLQJFRXUW
719719  'HSDUWPHQWPHDQVWKHGHSDUWPHQWRIFRUUHFWLRQV
720720   'HWHUPLQDWH VHQWHQFH PHDQV D VHQWHQFH WKDW VWDWHV ZLWK
721721 H[DFWLWXGH WKH QXPEHU RI DFWXDO \HDUV PRQWKV RU GD\V RI WRWDO
722722 FRQILQHPHQW RI SDUWLDO FRQILQHPHQW RI FRPPXQLW\ FXVWRG\ WKH QXPEHU
723723 RI DFWXDO KRXUV RU GD\V RI FRPPXQLW\ UHVWLWXWLRQ ZRUN RU GROODUV RU
724724 WHUPV RI D OHJDO ILQDQFLDO REOLJDWLRQ 7KH IDFW WKDW DQ RIIHQGHU
725725 WKURXJK HDUQHG UHOHDVH FDQ UHGXFH WKH DFWXDO SHULRG RI FRQILQHPHQW
726726 VKDOO QRW DIIHFW WKH FODVVLILFDWLRQ RI WKH VHQWHQFH DV D GHWHUPLQDWH
727727 VHQWHQFH
728728   'LVSRVDEOH HDUQLQJV PHDQV WKDW SDUW RI WKH HDUQLQJV RI DQ
729729 RIIHQGHU UHPDLQLQJ DIWHU WKH GHGXFWLRQ IURP WKRVH HDUQLQJV RI DQ\
730730 DPRXQW UHTXLUHG E\ ODZ WR EH ZLWKKHOG )RU WKH SXUSRVHV RI WKLV
731731 GHILQLWLRQ HDUQLQJV PHDQV FRPSHQVDWLRQ SDLG RU SD\DEOH IRU
732732 SHUVRQDO VHUYLFHV ZKHWKHU GHQRPLQDWHG DV ZDJHV VDODU\ FRPPLVVLRQ
733733 ERQXVHV RU RWKHUZLVH DQG QRWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI
734734 ODZ PDNLQJ WKH SD\PHQWV H[HPSW IURP JDUQLVKPHQW DWWDFKPHQW RU RWKHU
735735 SURFHVV WR VDWLVI\ D FRXUWRUGHUHG OHJDO ILQDQFLDO REOLJDWLRQ
736736 VSHFLILFDOO\ LQFOXGHV SHULRGLF SD\PHQWV SXUVXDQW WR SHQVLRQ RU
737737 UHWLUHPHQW SURJUDPV RU LQVXUDQFH SROLFLHV RI DQ\ W\SH EXW GRHV QRW
738738 LQFOXGH SD\PHQWV PDGH XQGHU 7LWOH  5&: H[FHSW DV SURYLGHG LQ 5&:
739739  DQG  RU7LWOH5&:
740740  D  'RPHVWLF YLROHQFH KDV WKH VDPH PHDQLQJ DV GHILQHG LQ
741741 5&:  
742742 E  'RPHVWLF YLROHQFH DOVR PHDQV L  3K\VLFDO KDUP ERGLO\
743743 LQMXU\ DVVDXOW RU WKH LQIOLFWLRQ RI IHDU RI LPPLQHQW SK\VLFDO KDUP
744744 S +% ERGLO\ LQMXU\ RU DVVDXOW VH[XDO DVVDXOW RU VWDONLQJ DV GHILQHG LQ
745745 5&: $  RI RQH LQWLPDWH SDUWQHU E\ DQRWKHU LQWLPDWH SDUWQHU DV
746746 GHILQHG LQ 5&:   RU LL  SK\VLFDO KDUP ERGLO\ LQMXU\
747747 DVVDXOW RU WKH LQIOLFWLRQ RI IHDU RI LPPLQHQW SK\VLFDO KDUP ERGLO\
748748 LQMXU\ RU DVVDXOW VH[XDO DVVDXOW RU VWDONLQJ DV GHILQHG LQ 5&:
749749 $  RI RQH IDPLO\ RU KRXVHKROG PHPEHU E\ DQRWKHU IDPLO\ RU
750750 KRXVHKROGPHPEHUDVGHILQHGLQ5&:  
751751   'UXJ RIIHQGHU VHQWHQFLQJ DOWHUQDWLYH LV D VHQWHQFLQJ
752752 RSWLRQ DYDLODEOH WR SHUVRQV FRQYLFWHG RI D IHORQ\ RIIHQVH ZKR DUH
753753 HOLJLEOHIRUWKHRSWLRQXQGHU5&: $ 
754754   'UXJ RIIHQGHU VHQWHQFLQJ DOWHUQDWLYH IRU GULYLQJ XQGHU WKH
755755 LQIOXHQFH LV D VHQWHQFLQJ RSWLRQ DYDLODEOH WR SHUVRQV FRQYLFWHG RI
756756 IHORQ\ GULYLQJ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU
757757 DQ\ GUXJ XQGHU 5&:    RU IHORQ\ SK\VLFDO FRQWURO RI D
758758 YHKLFOH ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ
759759 XQGHU5&:   ZKRDUHHOLJLEOHXQGHU5&: $ 
760760  'UXJRIIHQVHPHDQV
761761 D  $Q\ IHORQ\ YLRODWLRQ RI FKDSWHU   5&:  H[FHSW SRVVHVVLRQ
762762 RI D FRQWUROOHG VXEVWDQFH 5&:   RU IRUJHG SUHVFULSWLRQ IRU
763763 DFRQWUROOHGVXEVWDQFH 5&:  
764764 E  $Q\ RIIHQVH GHILQHG DV D IHORQ\ XQGHU IHGHUDO ODZ WKDW
765765 UHODWHV WR WKH SRVVHVVLRQ PDQXIDFWXUH GLVWULEXWLRQ RU
766766 WUDQVSRUWDWLRQRIDFRQWUROOHGVXEVWDQFHRU
767767 F  $Q\ RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW XQGHU WKH
768768 ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D GUXJ RIIHQVH
769769 XQGHU D RIWKLVVXEVHFWLRQ
770770   (DUQHG UHOHDVH PHDQV HDUQHG UHOHDVH IURP FRQILQHPHQW DV
771771 SURYLGHGLQ5&: $ 
772772   (OHFWURQLF PRQLWRULQJ PHDQV WUDFNLQJ WKH ORFDWLRQ RI DQ
773773 LQGLYLGXDO WKURXJK WKH XVH RI WHFKQRORJ\ WKDW LV FDSDEOH RI
774774 GHWHUPLQLQJ RU LGHQWLI\LQJ WKH PRQLWRUHG LQGLYLGXDOV SUHVHQFH RU
775775 DEVHQFHDWDSDUWLFXODUORFDWLRQLQFOXGLQJEXWQRWOLPLWHGWR
776776 D  5DGLR IUHTXHQF\ VLJQDOLQJ WHFKQRORJ\ ZKLFK GHWHFWV LI WKH
777777 PRQLWRUHG LQGLYLGXDO LV RU LV QRW DW DQ DSSURYHG ORFDWLRQ DQG
778778 QRWLILHV WKH PRQLWRULQJ DJHQF\ RI WKH WLPH WKDW WKH PRQLWRUHG
779779 LQGLYLGXDO HLWKHU OHDYHV WKH DSSURYHG ORFDWLRQ RU WDPSHUV ZLWK RU
780780 UHPRYHVWKHPRQLWRULQJGHYLFHRU
781781 E  $FWLYH RU SDVVLYH JOREDO SRVLWLRQLQJ V\VWHP WHFKQRORJ\ ZKLFK
782782 GHWHFWV WKH ORFDWLRQ RI WKH PRQLWRUHG LQGLYLGXDO DQG QRWLILHV WKH
783783 PRQLWRULQJ DJHQF\ RI WKH PRQLWRUHG LQGLYLGXDOV ORFDWLRQ DQG ZKLFK
784784 S +% PD\ DOVR LQFOXGH HOHFWURQLF PRQLWRULQJ ZLWK YLFWLP QRWLILFDWLRQ
785785 WHFKQRORJ\ WKDW LV FDSDEOH RI QRWLI\LQJ D YLFWLP RU SURWHFWHG SDUW\
786786 HLWKHU GLUHFWO\ RU WKURXJK D PRQLWRULQJ DJHQF\ LI WKH PRQLWRUHG
787787 LQGLYLGXDO HQWHUV ZLWKLQ WKH UHVWULFWHG GLVWDQFH RI D YLFWLP RU
788788 SURWHFWHG SDUW\ RU ZLWKLQ WKH UHVWULFWHG GLVWDQFH RI D GHVLJQDWHG
789789 ORFDWLRQ
790790  (VFDSHPHDQV
791791 D  6H[XDOO\ YLROHQW SUHGDWRU HVFDSH 5&: $  HVFDSH LQ
792792 WKH ILUVW GHJUHH 5&: $  HVFDSH LQ WKH VHFRQG GHJUHH 5&:
793793 $  ZLOOIXO IDLOXUH WR UHWXUQ IURP IXUORXJK 5&:  
794794 ZLOOIXO IDLOXUH WR UHWXUQ IURP ZRUN UHOHDVH 5&:   RU
795795 ZLOOIXO IDLOXUH WR EH DYDLODEOH IRU VXSHUYLVLRQ E\ WKH GHSDUWPHQW
796796 ZKLOHLQFRPPXQLW\FXVWRG\ 5&:  RU
797797 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
798798 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV DQ
799799 HVFDSHXQGHU D RIWKLVVXEVHFWLRQ
800800  )HORQ\WUDIILFRIIHQVHPHDQV
801801 D  9HKLFXODU KRPLFLGH 5&:   YHKLFXODU DVVDXOW 5&:
802802   HOXGLQJ D SROLFH RIILFHU 5&:   IHORQ\ KLWDQG
803803 UXQ LQMXU\DFFLGHQW 5&:    IHORQ\ GULYLQJ ZKLOH XQGHU
804804 WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ 5&:   
805805 RU IHORQ\ SK\VLFDO FRQWURO RI D YHKLFOH ZKLOH XQGHU WKH LQIOXHQFH RI
806806 LQWR[LFDWLQJOLTXRURUDQ\GUXJ 5&:   RU
807807 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
808808 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D IHORQ\
809809 WUDIILFRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
810810   )LQH PHDQV D VSHFLILF VXP RI PRQH\ RUGHUHG E\ WKH
811811 VHQWHQFLQJ FRXUW WR EH SDLG E\ WKH RIIHQGHU WR WKH FRXUW RYHU D
812812 VSHFLILFSHULRGRIWLPH
813813   )LUVWWLPH RIIHQGHU PHDQV DQ\ SHUVRQ ZKR KDV QR SULRU
814814 FRQYLFWLRQV IRU D IHORQ\ DQG LV HOLJLEOH IRU WKH ILUVWWLPH RIIHQGHU
815815 ZDLYHUXQGHU5&: $ 
816816   +RPH GHWHQWLRQ LV D VXEVHW RI HOHFWURQLF PRQLWRULQJ DQG
817817 PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW DYDLODEOH WR RIIHQGHUV ZKHUHLQ
818818 WKH RIIHQGHU LV FRQILQHG LQ D SULYDWH UHVLGHQFH  KRXUV D GD\
819819 XQOHVV DQ DEVHQFH IURP WKH UHVLGHQFH LV DSSURYHG DXWKRUL]HG RU
820820 RWKHUZLVH SHUPLWWHG LQ WKH RUGHU E\ WKH FRXUW RU RWKHU VXSHUYLVLQJ
821821 DJHQF\ WKDW RUGHUHG KRPH GHWHQWLRQ DQG WKH RIIHQGHU LV VXEMHFW WR
822822 HOHFWURQLFPRQLWRULQJ
823823 S +%   +RPHOHVVQHVV RU KRPHOHVV PHDQV D FRQGLWLRQ ZKHUH DQ
824824 LQGLYLGXDO ODFNV D IL[HG UHJXODU DQG DGHTXDWH QLJKWWLPH UHVLGHQFH
825825 DQGZKRKDVDSULPDU\QLJKWWLPHUHVLGHQFHWKDWLV
826826 D  $ VXSHUYLVHG SXEOLFO\ RU SULYDWHO\ RSHUDWHG VKHOWHU GHVLJQHG
827827 WRSURYLGHWHPSRUDU\OLYLQJDFFRPPRGDWLRQV
828828 E  $ SXEOLF RU SULYDWH SODFH QRW GHVLJQHG IRU RU RUGLQDULO\
829829 XVHGDVDUHJXODUVOHHSLQJDFFRPPRGDWLRQIRUKXPDQEHLQJVRU
830830 F  $ SULYDWH UHVLGHQFH ZKHUH WKH LQGLYLGXDO VWD\V DV D WUDQVLHQW
831831 LQYLWHH
832832   /HJDO ILQDQFLDO REOLJDWLRQ PHDQV D VXP RI PRQH\ WKDW LV
833833 RUGHUHG E\ D VXSHULRU FRXUW RI WKH VWDWH RI :DVKLQJWRQ IRU OHJDO
834834 ILQDQFLDO REOLJDWLRQV ZKLFK PD\ LQFOXGH UHVWLWXWLRQ WR WKH YLFWLP
835835 VWDWXWRULO\ LPSRVHG FULPH YLFWLPV FRPSHQVDWLRQ IHHV DV DVVHVVHG
836836 SXUVXDQW WR 5&:   FRXUW FRVWV FRXQW\ RU LQWHUORFDO GUXJ
837837 IXQGV FRXUWDSSRLQWHG DWWRUQH\V IHHV DQG FRVWV RI GHIHQVH ILQHV
838838 DQG DQ\ RWKHU ILQDQFLDO REOLJDWLRQ WKDW LV DVVHVVHG WR WKH RIIHQGHU
839839 DV D UHVXOW RI D IHORQ\ FRQYLFWLRQ 8SRQ FRQYLFWLRQ IRU YHKLFXODU
840840 DVVDXOW ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ
841841 5&:   E  RU YHKLFXODU KRPLFLGH ZKLOH XQGHU WKH LQIOXHQFH
842842 RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ 5&:   D  OHJDO
843843 ILQDQFLDO REOLJDWLRQV PD\ DOVR LQFOXGH SD\PHQW WR D SXEOLF DJHQF\ RI
844844 WKH H[SHQVH RI DQ HPHUJHQF\ UHVSRQVH WR WKH LQFLGHQW UHVXOWLQJ LQ WKH
845845 FRQYLFWLRQVXEMHFWWR5&:  
846846   0RVW VHULRXV RIIHQVH PHDQV DQ\ RI WKH IROORZLQJ IHORQLHV
847847 RUDIHORQ\DWWHPSWWRFRPPLWDQ\RIWKHIROORZLQJIHORQLHV
848848 D  $Q\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $ IHORQ\ RU
849849 FULPLQDO VROLFLWDWLRQ RI RU FULPLQDO FRQVSLUDF\ WR FRPPLW D FODVV $
850850 IHORQ\
851851 E $VVDXOWLQWKHVHFRQGGHJUHH
852852 F $VVDXOWRIDFKLOGLQWKHVHFRQGGHJUHH
853853 G &KLOGPROHVWDWLRQLQWKHVHFRQGGHJUHH
854854 H &RQWUROOHGVXEVWDQFHKRPLFLGH
855855 I ([WRUWLRQLQWKHILUVWGHJUHH
856856 J ,QFHVWZKHQFRPPLWWHGDJDLQVWDFKLOGXQGHUDJH
857857 K ,QGHFHQWOLEHUWLHV
858858 L .LGQDSSLQJLQWKHVHFRQGGHJUHH
859859 M /HDGLQJRUJDQL]HGFULPH
860860 N 0DQVODXJKWHULQWKHILUVWGHJUHH
861861 O 0DQVODXJKWHULQWKHVHFRQGGHJUHH
862862 P 3URPRWLQJSURVWLWXWLRQLQWKHILUVWGHJUHH
863863 S +% Q 5DSHLQWKHWKLUGGHJUHH
864864 R 6H[XDOH[SORLWDWLRQ
865865 S  9HKLFXODU DVVDXOW ZKHQ FDXVHG E\ WKH RSHUDWLRQ RU GULYLQJ RI
866866 D YHKLFOH E\ D SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
867867 OLTXRU RU DQ\ GUXJ RU E\ WKH RSHUDWLRQ RU GULYLQJ RI D YHKLFOH LQ D
868868 UHFNOHVVPDQQHU
869869 T  9HKLFXODU KRPLFLGH ZKHQ SUR[LPDWHO\ FDXVHG E\ WKH GULYLQJ RI
870870 DQ\ YHKLFOH E\ DQ\ SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
871871 OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:   RU E\ WKH RSHUDWLRQ
872872 RIDQ\YHKLFOHLQDUHFNOHVVPDQQHU
873873 U  $Q\ RWKHU FODVV % IHORQ\ RIIHQVH ZLWK D ILQGLQJ RI VH[XDO
874874 PRWLYDWLRQ
875875 V  $Q\ RWKHU IHORQ\ ZLWK D GHDGO\ ZHDSRQ YHUGLFW XQGHU 5&:
876876 $ 
877877 W  $Q\ IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH SULRU WR 'HFHPEHU 
878878  WKDW LV FRPSDUDEOH WR D PRVW VHULRXV RIIHQVH XQGHU WKLV
879879 VXEVHFWLRQ RU DQ\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH
880880 WKDW XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
881881 PRVWVHULRXVRIIHQVHXQGHUWKLVVXEVHFWLRQ
882882 X L  $ SULRU FRQYLFWLRQ IRU LQGHFHQW OLEHUWLHV XQGHU 5&:
883883 $   D  E  DQG F  FKDSWHU  /DZV RI  VW H[
884884 VHVV DV LW H[LVWHG XQWLO -XO\   5&: $   D  E 
885885 DQG F  DV LW H[LVWHG IURP -XO\   XQWLO -XQH   DQG 5&:
886886 $   D  E  DQG G  DV LW H[LVWHG IURP -XQH  
887887 XQWLO-XO\
888888 LL  $ SULRU FRQYLFWLRQ IRU LQGHFHQW OLEHUWLHV XQGHU 5&:
889889 $  F  DV LW H[LVWHG IURP -XQH   XQWLO -XO\  
890890 LI $  7KH FULPH ZDV FRPPLWWHG DJDLQVW D FKLOG XQGHU WKH DJH RI 
891891 RU %  WKH UHODWLRQVKLS EHWZHHQ WKH YLFWLP DQG SHUSHWUDWRU LV
892892 LQFOXGHG LQ WKH GHILQLWLRQ RI LQGHFHQW OLEHUWLHV XQGHU 5&:
893893 $  F  DV LW H[LVWHG IURP -XO\   WKURXJK -XO\ 
894894  RU 5&: $   G  RU H  DV LW H[LVWHG IURP -XO\ 
895895 WKURXJK-XO\
896896 Y  $Q\ RXWRIVWDWH FRQYLFWLRQ IRU D IHORQ\ RIIHQVH ZLWK D
897897 ILQGLQJ RI VH[XDO PRWLYDWLRQ LI WKH PLQLPXP VHQWHQFH LPSRVHG ZDV 
898898 \HDUV RU PRUH SURYLGHG WKDW WKH RXWRIVWDWH IHORQ\ RIIHQVH PXVW EH
899899 FRPSDUDEOH WR D IHORQ\ RIIHQVH XQGHU WKLV WLWOH DQG 7LWOH $ 5&: DQG
900900 WKH RXWRIVWDWH GHILQLWLRQ RI VH[XDO PRWLYDWLRQ PXVW EH FRPSDUDEOH
901901 WRWKHGHILQLWLRQRIVH[XDOPRWLYDWLRQFRQWDLQHGLQWKLVVHFWLRQ
902902 S +%   1RQYLROHQW RIIHQVH PHDQV DQ RIIHQVH ZKLFK LV QRW D YLROHQW
903903 RIIHQVH
904904   2IIHQGHU PHDQV D SHUVRQ ZKR KDV FRPPLWWHG D IHORQ\
905905 HVWDEOLVKHG E\ VWDWH ODZ DQG LV  \HDUV RI DJH RU ROGHU RU LV OHVV
906906 WKDQ  \HDUV RI DJH EXW ZKRVH FDVH LV XQGHU VXSHULRU FRXUW
907907 MXULVGLFWLRQ XQGHU 5&:   RU KDV EHHQ WUDQVIHUUHG E\ WKH
908908 DSSURSULDWH MXYHQLOH FRXUW WR D FULPLQDO FRXUW SXUVXDQW WR 5&:
909909   ,Q DGGLWLRQ IRU WKH SXUSRVH RI FRPPXQLW\ FXVWRG\
910910 UHTXLUHPHQWV XQGHU WKLV FKDSWHU RIIHQGHU DOVR PHDQV D PLVGHPHDQDQW
911911 RU JURVV PLVGHPHDQDQW SUREDWLRQHU RUGHUHG E\ D VXSHULRU FRXUW WR
912912 SUREDWLRQ SXUVXDQW WR 5&:     RU   DQG
913913 VXSHUYLVHG E\ WKH GHSDUWPHQW SXUVXDQW WR 5&: $  DQG
914914 $  7KURXJKRXW WKLV FKDSWHU WKH WHUPV RIIHQGHU DQG
915915 GHIHQGDQWDUHXVHGLQWHUFKDQJHDEO\
916916   3DUWLDO FRQILQHPHQW PHDQV FRQILQHPHQW IRU QR PRUH WKDQ RQH
917917 \HDU LQ D IDFLOLW\ RU LQVWLWXWLRQ RSHUDWHG RU XWLOL]HG XQGHU FRQWUDFW
918918 E\ WKH VWDWH RU DQ\ RWKHU XQLW RI JRYHUQPHQW RU LI KRPH GHWHQWLRQ
919919 HOHFWURQLF PRQLWRULQJ RU ZRUN FUHZ KDV EHHQ RUGHUHG E\ WKH FRXUW RU
920920 KRPH GHWHQWLRQ KDV EHHQ RUGHUHG E\ WKH GHSDUWPHQW DV SDUW RI WKH
921921 SDUHQWLQJ SURJUDP RU WKH JUDGXDWHG UHHQWU\ SURJUDP LQ DQ DSSURYHG
922922 UHVLGHQFH IRU D VXEVWDQWLDO SRUWLRQ RI HDFK GD\ ZLWK WKH EDODQFH RI
923923 WKH GD\ VSHQW LQ WKH FRPPXQLW\ 3DUWLDO FRQILQHPHQW LQFOXGHV ZRUN
924924 UHOHDVH KRPH GHWHQWLRQ ZRUN FUHZ HOHFWURQLF PRQLWRULQJ DQG D
925925 FRPELQDWLRQRIZRUNFUHZHOHFWURQLFPRQLWRULQJDQGKRPHGHWHQWLRQ
926926  3DWWHUQRIFULPLQDOVWUHHWJDQJDFWLYLW\PHDQV
927927 D  7KH FRPPLVVLRQ DWWHPSW FRQVSLUDF\ RU VROLFLWDWLRQ RI RU
928928 DQ\ SULRU MXYHQLOH DGMXGLFDWLRQ RI RU DGXOW FRQYLFWLRQ RI WZR RU
929929 PRUHRIWKHIROORZLQJFULPLQDOVWUHHWJDQJUHODWHGRIIHQVHV
930930 L  $Q\ VHULRXV YLROHQW IHORQ\ RIIHQVH DV GHILQHG LQ WKLV
931931 VHFWLRQ H[FOXGLQJ +RPLFLGH E\ $EXVH 5&: $  DQG $VVDXOW RI D
932932 &KLOG 5&: $ 
933933 LL  $Q\ YLROHQW RIIHQVH DV GHILQHG E\ WKLV VHFWLRQ H[FOXGLQJ
934934 $VVDXOWRID&KLOG 5&: $ 
935935 LLL  'HOLYHU RU 3RVVHVVLRQ ZLWK ,QWHQW WR 'HOLYHU D &RQWUROOHG
936936 6XEVWDQFH FKDSWHU  5&: 
937937 LY  $Q\ YLRODWLRQ RI WKH ILUHDUPV DQG GDQJHURXV ZHDSRQ DFW
938938 FKDSWHU  5&: 
939939 Y 7KHIWRID)LUHDUP 5&: $ 
940940 YL 3RVVHVVLRQRID6WROHQ)LUHDUP 5&: $ 
941941 YLL +DWH&ULPH 5&: $ 
942942 S +% YLLL  +DUDVVPHQW ZKHUH D VXEVHTXHQW YLRODWLRQ RU GHDGO\ WKUHDW
943943 LVPDGH 5&: $  E 
944944 L[ &ULPLQDO*DQJ,QWLPLGDWLRQ 5&: $ 
945945 [  $Q\ IHORQ\ FRQYLFWLRQ E\ D SHUVRQ  \HDUV RI DJH RU ROGHU
946946 ZLWK D VSHFLDO ILQGLQJ RI LQYROYLQJ D MXYHQLOH LQ D IHORQ\ RIIHQVH
947947 XQGHU5&: $ 
948948 [L 5HVLGHQWLDO%XUJODU\ 5&: $ 
949949 [LL  [L %XUJODU\ 5&: $ 
950950 [LLL  [LL 0DOLFLRXV0LVFKLHI 5&: $ 
951951 [LY  [LLL 0DOLFLRXV0LVFKLHI 5&: $ 
952952 [Y  [LY 7KHIWRID0RWRU9HKLFOH 5&: $ 
953953 [YL  [Y  3RVVHVVLRQ RI D 6WROHQ 0RWRU 9HKLFOH 5&:
954954 $ 
955955 [YLL  [YL  7DNLQJ D 0RWRU 9HKLFOH :LWKRXW 3HUPLVVLRQ  5&:
956956 $ 
957957 [YLLL  [YLL  7DNLQJ D 0RWRU 9HKLFOH :LWKRXW 3HUPLVVLRQ 
958958 5&: $ 
959959 [L[  [YLLL ([WRUWLRQ 5&: $ 
960960 [[  [L[ ([WRUWLRQ 5&: $ 
961961 [[L  [[ ,QWLPLGDWLQJD:LWQHVV 5&: $ 
962962 [[LL  [[L 7DPSHULQJZLWKD:LWQHVV 5&: $ 
963963 [[LLL  [[LL 5HFNOHVV(QGDQJHUPHQW 5&: $ 
964964 [[LY  [[LLL &RHUFLRQ 5&: $ 
965965 [[Y  [[LY +DUDVVPHQW 5&: $ RU
966966 [[YL  [[Y 0DOLFLRXV0LVFKLHI 5&: $ 
967967 E  7KDW DW OHDVW RQH RI WKH RIIHQVHV OLVWHG LQ D  RI WKLV
968968 VXEVHFWLRQVKDOOKDYHRFFXUUHGDIWHU-XO\
969969 F  7KDW WKH PRVW UHFHQW FRPPLWWHG RIIHQVH OLVWHG LQ D  RI WKLV
970970 VXEVHFWLRQ RFFXUUHG ZLWKLQ WKUHH \HDUV RI D SULRU RIIHQVH OLVWHG LQ
971971 D RIWKLVVXEVHFWLRQDQG
972972 G  2I WKH RIIHQVHV WKDW ZHUH FRPPLWWHG LQ D  RI WKLV
973973 VXEVHFWLRQ WKH RIIHQVHV RFFXUUHG RQ VHSDUDWH RFFDVLRQV RU ZHUH
974974 FRPPLWWHGE\WZRRUPRUHSHUVRQV
975975  3HUVLVWHQWRIIHQGHULVDQRIIHQGHUZKR
976976 D L  +DV EHHQ FRQYLFWHG LQ WKLV VWDWH RI DQ\ IHORQ\ FRQVLGHUHG
977977 DPRVWVHULRXVRIIHQVHDQG
978978 LL  +DV EHIRUH WKH FRPPLVVLRQ RI WKH RIIHQVH XQGHU D  RI WKLV
979979 VXEVHFWLRQ EHHQ FRQYLFWHG DV DQ RIIHQGHU RQ DW OHDVW WZR VHSDUDWH
980980 RFFDVLRQV ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH RI IHORQLHV WKDW XQGHU
981981 WKH ODZV RI WKLV VWDWH ZRXOG EH FRQVLGHUHG PRVW VHULRXV RIIHQVHV DQG
982982 S +% ZRXOG EH LQFOXGHG LQ WKH RIIHQGHU VFRUH XQGHU 5&: $  SURYLGHG
983983 WKDW RI WKH WZR RU PRUH SUHYLRXV FRQYLFWLRQV DW OHDVW RQH FRQYLFWLRQ
984984 PXVW KDYH RFFXUUHG EHIRUH WKH FRPPLVVLRQ RI DQ\ RI WKH RWKHU PRVW
985985 VHULRXVRIIHQVHVIRUZKLFKWKHRIIHQGHUZDVSUHYLRXVO\FRQYLFWHGRU
986986 E L  +DV EHHQ FRQYLFWHG RI $  5DSH LQ WKH ILUVW GHJUHH UDSH
987987 RI D FKLOG LQ WKH ILUVW GHJUHH FKLOG PROHVWDWLRQ LQ WKH ILUVW
988988 GHJUHH UDSH LQ WKH VHFRQG GHJUHH UDSH RI D FKLOG LQ WKH VHFRQG
989989 GHJUHH RU LQGHFHQW OLEHUWLHV E\ IRUFLEOH FRPSXOVLRQ %  DQ\ RI WKH
990990 IROORZLQJ RIIHQVHV ZLWK D ILQGLQJ RI VH[XDO PRWLYDWLRQ 0XUGHU LQ WKH
991991 ILUVW GHJUHH PXUGHU LQ WKH VHFRQG GHJUHH KRPLFLGH E\ DEXVH
992992 NLGQDSSLQJ LQ WKH ILUVW GHJUHH NLGQDSSLQJ LQ WKH VHFRQG GHJUHH
993993 DVVDXOW LQ WKH ILUVW GHJUHH DVVDXOW LQ WKH VHFRQG GHJUHH DVVDXOW RI
994994 D FKLOG LQ WKH ILUVW GHJUHH DVVDXOW RI D FKLOG LQ WKH VHFRQG GHJUHH
995995 RU EXUJODU\ LQ WKH ILUVW GHJUHH RU &  DQ DWWHPSW WR FRPPLW DQ\
996996 FULPHOLVWHGLQWKLVVXEVHFWLRQ  E L DQG
997997 LL  +DV EHIRUH WKH FRPPLVVLRQ RI WKH RIIHQVH XQGHU E L  RI
998998 WKLV VXEVHFWLRQ EHHQ FRQYLFWHG DV DQ RIIHQGHU RQ DW OHDVW RQH
999999 RFFDVLRQ ZKHWKHU LQ WKLV VWDWH RU HOVHZKHUH RI DQ RIIHQVH OLVWHG LQ
10001000 E L  RI WKLV VXEVHFWLRQ RU DQ\ IHGHUDO RU RXWRIVWDWH RIIHQVH RU
10011001 RIIHQVH XQGHU SULRU :DVKLQJWRQ ODZ WKDW LV FRPSDUDEOH WR WKH RIIHQVHV
10021002 OLVWHG LQ E L  RI WKLV VXEVHFWLRQ $ FRQYLFWLRQ IRU UDSH RI D FKLOG
10031003 LQ WKH ILUVW GHJUHH FRQVWLWXWHV D FRQYLFWLRQ XQGHU E L  RI WKLV
10041004 VXEVHFWLRQ RQO\ ZKHQ WKH RIIHQGHU ZDV  \HDUV RI DJH RU ROGHU ZKHQ
10051005 WKH RIIHQGHU FRPPLWWHG WKH RIIHQVH $ FRQYLFWLRQ IRU UDSH RI D FKLOG
10061006 LQ WKH VHFRQG GHJUHH FRQVWLWXWHV D FRQYLFWLRQ XQGHU E L  RI WKLV
10071007 VXEVHFWLRQ RQO\ ZKHQ WKH RIIHQGHU ZDV  \HDUV RI DJH RU ROGHU ZKHQ
10081008 WKHRIIHQGHUFRPPLWWHGWKHRIIHQVH
10091009   3UHGDWRU\ PHDQV D  7KH SHUSHWUDWRU RI WKH FULPH ZDV D
10101010 VWUDQJHU WR WKH YLFWLP DV GHILQHG LQ WKLV VHFWLRQ E  WKH
10111011 SHUSHWUDWRU HVWDEOLVKHG RU SURPRWHG D UHODWLRQVKLS ZLWK WKH YLFWLP
10121012 SULRU WR WKH RIIHQVH DQG WKH YLFWLPL]DWLRQ RI WKH YLFWLP ZDV D
10131013 VLJQLILFDQW UHDVRQ WKH SHUSHWUDWRU HVWDEOLVKHG RU SURPRWHG WKH
10141014 UHODWLRQVKLS RU F  WKH SHUSHWUDWRU ZDV L  $ WHDFKHU FRXQVHORU
10151015 YROXQWHHU RU RWKHU SHUVRQ LQ DXWKRULW\ LQ DQ\ SXEOLF RU SULYDWH
10161016 VFKRRO DQG WKH YLFWLP ZDV D VWXGHQW RI WKH VFKRRO XQGHU KLV RU KHU
10171017 DXWKRULW\ RU VXSHUYLVLRQ )RU SXUSRVHV RI WKLV VXEVHFWLRQ VFKRRO
10181018 GRHV QRW LQFOXGH KRPHEDVHG LQVWUXFWLRQ DV GHILQHG LQ 5&:
10191019 $  LL  D FRDFK WUDLQHU YROXQWHHU RU RWKHU SHUVRQ LQ
10201020 DXWKRULW\ LQ DQ\ UHFUHDWLRQDO DFWLYLW\ DQG WKH YLFWLP ZDV D
10211021 SDUWLFLSDQW LQ WKH DFWLYLW\ XQGHU KLV RU KHU DXWKRULW\ RU
10221022 S +% VXSHUYLVLRQ LLL  D SDVWRU HOGHU YROXQWHHU RU RWKHU SHUVRQ LQ
10231023 DXWKRULW\ LQ DQ\ FKXUFK RU UHOLJLRXV RUJDQL]DWLRQ DQG WKH YLFWLP ZDV
10241024 D PHPEHU RU SDUWLFLSDQW RI WKH RUJDQL]DWLRQ XQGHU KLV RU KHU
10251025 DXWKRULW\ RU LY  D WHDFKHU FRXQVHORU YROXQWHHU RU RWKHU SHUVRQ
10261026 LQ DXWKRULW\ SURYLGLQJ KRPHEDVHG LQVWUXFWLRQ DQG WKH YLFWLP ZDV D
10271027 VWXGHQW UHFHLYLQJ KRPHEDVHG LQVWUXFWLRQ ZKLOH XQGHU KLV RU KHU
10281028 DXWKRULW\ RU VXSHUYLVLRQ )RU SXUSRVHV RI WKLV VXEVHFWLRQ $  +RPH
10291029 EDVHG LQVWUXFWLRQ KDV WKH VDPH PHDQLQJ DV GHILQHG LQ 5&:
10301030 $  DQG %  WHDFKHU FRXQVHORU YROXQWHHU RU RWKHU SHUVRQ
10311031 LQ DXWKRULW\ GRHV QRW LQFOXGH WKH SDUHQW RU OHJDO JXDUGLDQ RI WKH
10321032 YLFWLP
10331033   3ULYDWH VFKRRO PHDQV D VFKRRO UHJXODWHG XQGHU FKDSWHU
10341034 $ RU $ 5&:
10351035  3XEOLFVFKRROKDVWKHVDPHPHDQLQJDVLQ5&: $ 
10361036   5HFLGLYLVW RIIHQVH PHDQV D IHORQ\ RIIHQVH ZKHUH D SULRU
10371037 FRQYLFWLRQ RI WKH VDPH RIIHQVH RU RWKHU VSHFLILHG RIIHQVH LV DQ
10381038 HOHPHQWRIWKHFULPHLQFOXGLQJEXWQRWOLPLWHGWR
10391039 D  $VVDXOW LQ WKH IRXUWK GHJUHH ZKHUH GRPHVWLF YLROHQFH LV
10401040 SOHDGHGDQGSURYHQ5&: $  
10411041 E &\EHUKDUDVVPHQW5&: $  E L 
10421042 F +DUDVVPHQW5&: $  E L 
10431043 G ,QGHFHQWH[SRVXUH5&: $  F 
10441044 H 6WDONLQJ5&: $  E  L DQG LLL 
10451045 I 7HOHSKRQHKDUDVVPHQW5&:   D DQG
10461046 J  9LRODWLRQ RI D QRFRQWDFW RU SURWHFWLRQ RUGHU 5&: 
10471047 RUIRUPHU5&:   
10481048  5HSHWLWLYHGRPHVWLFYLROHQFHRIIHQVHPHDQVDQ\
10491049 D L  'RPHVWLF YLROHQFH DVVDXOW WKDW LV QRW D IHORQ\ RIIHQVH
10501050 XQGHU5&: $ 
10511051 LL  'RPHVWLF YLROHQFH YLRODWLRQ RI D QRFRQWDFW RUGHU XQGHU
10521052 FKDSWHU  5&: WKDWLVQRWDIHORQ\RIIHQVH
10531053 LLL  'RPHVWLF YLROHQFH YLRODWLRQ RI D SURWHFWLRQ RUGHU XQGHU
10541054 FKDSWHU   $  RU %  5&: RU IRUPHU FKDSWHU   5&:  RU
10551055 YLRODWLRQ RI D GRPHVWLF YLROHQFH SURWHFWLRQ RUGHU XQGHU FKDSWHU 
10561056 5&: WKDWLVQRWDIHORQ\RIIHQVH
10571057 LY  'RPHVWLF YLROHQFH KDUDVVPHQW RIIHQVH XQGHU 5&: $
10581058 WKDWLVQRWDIHORQ\RIIHQVHRU
10591059 Y  'RPHVWLF YLROHQFH VWDONLQJ RIIHQVH XQGHU 5&: $  WKDW
10601060 LVQRWDIHORQ\RIIHQVHRU
10611061 S +% E  $Q\ IHGHUDO RXWRIVWDWH WULEDO FRXUW PLOLWDU\ FRXQW\ RU
10621062 PXQLFLSDO FRQYLFWLRQ IRU DQ RIIHQVH WKDW XQGHU WKH ODZV RI WKLV VWDWH
10631063 ZRXOG EH FODVVLILHG DV D UHSHWLWLYH GRPHVWLF YLROHQFH RIIHQVH XQGHU
10641064 D RIWKLVVXEVHFWLRQ
10651065   5HVWLWXWLRQ PHDQV D VSHFLILF VXP RI PRQH\ RUGHUHG E\ WKH
10661066 VHQWHQFLQJ FRXUW WR EH SDLG E\ WKH RIIHQGHU WR WKH FRXUW RYHU D
10671067 VSHFLILHG SHULRG RI WLPH DV SD\PHQW RI GDPDJHV 7KH VXP PD\ LQFOXGH
10681068 ERWKSXEOLFDQGSULYDWHFRVWV
10691069   5LVN DVVHVVPHQW PHDQV WKH DSSOLFDWLRQ RI WKH ULVN
10701070 LQVWUXPHQW UHFRPPHQGHG WR WKH GHSDUWPHQW E\ WKH :DVKLQJWRQ VWDWH
10711071 LQVWLWXWH IRU SXEOLF SROLF\ DV KDYLQJ WKH KLJKHVW GHJUHH RI
10721072 SUHGLFWLYHDFFXUDF\IRUDVVHVVLQJDQRIIHQGHUVULVNRIUHRIIHQVH
10731073  6HULRXVWUDIILFRIIHQVHPHDQV
10741074 D L  1RQIHORQ\ GULYLQJ ZKLOH XQGHU WKH LQIOXHQFH RI
10751075 LQWR[LFDWLQJOLTXRURUDQ\GUXJ 5&:  
10761076 LL  1RQIHORQ\ DFWXDO SK\VLFDO FRQWURO ZKLOH XQGHU WKH LQIOXHQFH
10771077 RILQWR[LFDWLQJOLTXRURUDQ\GUXJ 5&:  
10781078 LLL 5HFNOHVVGULYLQJ 5&:  
10791079 LY  1HJOLJHQW GULYLQJ LI WKH FRQYLFWLRQ LV WKH UHVXOW RI D
10801080 FKDUJH WKDW ZDV RULJLQDOO\ ILOHG DV D YLRODWLRQ RI 5&:   RU
10811081   RU DQ HTXLYDOHQW ORFDO RUGLQDQFH RU RI 5&:   RU
10821082   ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\
10831083 GUXJ 5&:  
10841084 Y  5HFNOHVV HQGDQJHUPHQW LI WKH FRQYLFWLRQ LV WKH UHVXOW RI D
10851085 FKDUJH WKDW ZDV RULJLQDOO\ ILOHG DV D YLRODWLRQ RI 5&:   RU
10861086   RU DQ HTXLYDOHQW ORFDO RUGLQDQFH RU RI 5&:   RU
10871087   ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\
10881088 GUXJ 5&: $ RU
10891089 YL +LWDQGUXQDQDWWHQGHGYHKLFOH 5&:   RU
10901090 E  $Q\ IHGHUDO RXWRIVWDWH FRXQW\ RU PXQLFLSDO FRQYLFWLRQ
10911091 IRU DQ RIIHQVH WKDW XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH FODVVLILHG
10921092 DVDVHULRXVWUDIILFRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
10931093 F  7KLV GHILQLWLRQ DSSOLHV IRU WKH SXUSRVH RI D SHUVRQDO
10941094 GULYHUV OLFHQVH RQO\ DQG GRHV QRW DSSO\ WR YLRODWLRQV UHODWHG WR D
10951095 FRPPHUFLDOPRWRUYHKLFOHXQGHU5&:  
10961096   6HULRXV YLROHQW RIIHQVH LV D VXEFDWHJRU\ RI YLROHQW
10971097 RIIHQVHDQGPHDQV
10981098 D L 0XUGHULQWKHILUVWGHJUHH
10991099 LL +RPLFLGHE\DEXVH
11001100 LLL 0XUGHULQWKHVHFRQGGHJUHH
11011101 S +% LY 0DQVODXJKWHULQWKHILUVWGHJUHH
11021102 Y $VVDXOWLQWKHILUVWGHJUHH
11031103 YL .LGQDSSLQJLQWKHILUVWGHJUHH
11041104 YLL 5DSHLQWKHILUVWGHJUHH
11051105 YLLL $VVDXOWRIDFKLOGLQWKHILUVWGHJUHHRU
11061106 L[  $Q DWWHPSW FULPLQDO VROLFLWDWLRQ RU FULPLQDO FRQVSLUDF\ WR
11071107 FRPPLWRQHRIWKHVHIHORQLHVRU
11081108 E  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
11091109 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
11101110 VHULRXVYLROHQWRIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
11111111  6H[RIIHQVHPHDQV
11121112 D L  $ IHORQ\ WKDW LV D YLRODWLRQ RI FKDSWHU $  5&:  RWKHU
11131113 WKDQ5&: $ 
11141114 LL $YLRODWLRQRI5&: $ 
11151115 LLL  $ IHORQ\ WKDW LV D YLRODWLRQ RI FKDSWHU $  5&:  RWKHU
11161116 WKDQ5&: $ 
11171117 LY  $ IHORQ\ WKDW LV XQGHU FKDSWHU $  5&:  D FULPLQDO
11181118 DWWHPSW FULPLQDO VROLFLWDWLRQ RU FULPLQDO FRQVSLUDF\ WR FRPPLW VXFK
11191119 FULPHVRU
11201120 Y  $ IHORQ\ YLRODWLRQ RI 5&: $   IDLOXUH WR UHJLVWHU
11211121 DV D VH[ RIIHQGHU  LI WKH SHUVRQ KDV EHHQ FRQYLFWHG RI YLRODWLQJ 5&:
11221122 $   IDLOXUH WR UHJLVWHU DV D VH[ RIIHQGHU  RU $
11231123 SULRUWR-XQHRQDWOHDVWRQHSULRURFFDVLRQ
11241124 E  $Q\ FRQYLFWLRQ IRU D IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH
11251125 SULRU WR -XO\   WKDW LV FRPSDUDEOH WR D IHORQ\ FODVVLILHG DV D
11261126 VH[RIIHQVHLQ D RIWKLVVXEVHFWLRQ
11271127 F  $ IHORQ\ ZLWK D ILQGLQJ RI VH[XDO PRWLYDWLRQ XQGHU 5&:
11281128 $ RU  RU
11291129 G  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
11301130 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D VH[
11311131 RIIHQVHXQGHU D RIWKLVVXEVHFWLRQ
11321132   6H[XDO PRWLYDWLRQ PHDQV WKDW RQH RI WKH SXUSRVHV IRU ZKLFK
11331133 WKH GHIHQGDQW FRPPLWWHG WKH FULPH ZDV IRU WKH SXUSRVH RI KLV RU KHU
11341134 VH[XDOJUDWLILFDWLRQ
11351135   6WDQGDUG VHQWHQFH UDQJH PHDQV WKH VHQWHQFLQJ FRXUWV
11361136 GLVFUHWLRQDU\UDQJHLQLPSRVLQJDQRQDSSHDODEOHVHQWHQFH
11371137   6WDWXWRU\ PD[LPXP VHQWHQFH PHDQV WKH PD[LPXP OHQJWK RI
11381138 WLPH IRU ZKLFK DQ RIIHQGHU PD\ EH FRQILQHG DV SXQLVKPHQW IRU D FULPH
11391139 DV SUHVFULEHG LQ FKDSWHU $  5&:  5&:   WKH VWDWXWH
11401140 S +% GHILQLQJ WKH FULPH RU RWKHU VWDWXWH GHILQLQJ WKH PD[LPXP SHQDOW\ IRU
11411141 DFULPH
11421142   6WUDQJHU PHDQV WKDW WKH YLFWLP GLG QRW NQRZ WKH RIIHQGHU
11431143 KRXUVEHIRUHWKHRIIHQVH
11441144   7RWDO FRQILQHPHQW PHDQV FRQILQHPHQW LQVLGH WKH SK\VLFDO
11451145 ERXQGDULHV RI D IDFLOLW\ RU LQVWLWXWLRQ RSHUDWHG RU XWLOL]HG XQGHU
11461146 FRQWUDFW E\ WKH VWDWH RU DQ\ RWKHU XQLW RI JRYHUQPHQW IRU  KRXUV D
11471147 GD\RUSXUVXDQWWR5&:  DQG  
11481148   7UDQVLWLRQ WUDLQLQJ PHDQV ZULWWHQ DQG YHUEDO LQVWUXFWLRQV
11491149 DQG DVVLVWDQFH SURYLGHG E\ WKH GHSDUWPHQW WR WKH RIIHQGHU GXULQJ WKH
11501150 WZR ZHHNV SULRU WR WKH RIIHQGHUV VXFFHVVIXO FRPSOHWLRQ RI WKH ZRUN
11511151 HWKLF FDPS SURJUDP 7KH WUDQVLWLRQ WUDLQLQJ VKDOO LQFOXGH
11521152 LQVWUXFWLRQV LQ WKH RIIHQGHUV UHTXLUHPHQWV DQG REOLJDWLRQV GXULQJ
11531153 WKHRIIHQGHUVSHULRGRIFRPPXQLW\FXVWRG\
11541154   9LFWLP PHDQV DQ\ SHUVRQ ZKR KDV VXVWDLQHG HPRWLRQDO
11551155 SV\FKRORJLFDO SK\VLFDO RU ILQDQFLDO LQMXU\ WR SHUVRQ RU SURSHUW\ DV
11561156 DGLUHFWUHVXOWRIWKHFULPHFKDUJHG
11571157   9LFWLP RI GRPHVWLF YLROHQFH PHDQV DQ LQWLPDWH SDUWQHU RU
11581158 KRXVHKROG PHPEHU ZKR KDV EHHQ VXEMHFWHG WR WKH LQIOLFWLRQ RI SK\VLFDO
11591159 KDUP RU VH[XDO DQG SV\FKRORJLFDO DEXVH E\ DQ LQWLPDWH SDUWQHU RU
11601160 KRXVHKROG PHPEHU DV SDUW RI D SDWWHUQ RI DVVDXOWLYH FRHUFLYH DQG
11611161 FRQWUROOLQJ EHKDYLRUV GLUHFWHG DW DFKLHYLQJ FRPSOLDQFH IURP RU
11621162 FRQWURO RYHU WKDW LQWLPDWH SDUWQHU RU KRXVHKROG PHPEHU 'RPHVWLF
11631163 YLROHQFH LQFOXGHV EXW LV QRW OLPLWHG WR WKH RIIHQVHV OLVWHG LQ 5&:
11641164   DQG   FRPPLWWHG E\ DQ LQWLPDWH SDUWQHU RU KRXVHKROG
11651165 PHPEHU DJDLQVW D YLFWLP ZKR LV DQ LQWLPDWH SDUWQHU RU KRXVHKROG
11661166 PHPEHU
11671167   9LFWLP RI VH[ WUDIILFNLQJ SURVWLWXWLRQ RU FRPPHUFLDO
11681168 VH[XDO DEXVH RI D PLQRU PHDQV D SHUVRQ ZKR KDV EHHQ IRUFHG RU
11691169 FRHUFHG WR SHUIRUP D FRPPHUFLDO VH[ DFW LQFOXGLQJ EXW QRW OLPLWHG
11701170 WR EHLQJ D YLFWLP RI RIIHQVHV GHILQHG LQ 5&: $  $ 
11711171 $  DQG WKH WUDIILFNLQJ YLFWLPV SURWHFWLRQ DFW RI  
11721172 86& 6HF  HW VHT RU D SHUVRQ ZKR ZDV LQGXFHG WR SHUIRUP D
11731173 FRPPHUFLDO VH[ DFW ZKHQ WKH\ ZHUH OHVV WKDQ  \HDUV RI DJH LQFOXGLQJ
11741174 EXWQRWOLPLWHGWRWKHRIIHQVHVGHILQHGLQ FKDSWHU $ 5&: 
11751175   9LFWLP RI VH[XDO DVVDXOW PHDQV DQ\ SHUVRQ ZKR LV D YLFWLP
11761176 RI D VH[XDO DVVDXOW RIIHQVH QRQFRQVHQVXDO VH[XDO FRQGXFW RU
11771177 QRQFRQVHQVXDO VH[XDO SHQHWUDWLRQ DQG DV D UHVXOW VXIIHUV SK\VLFDO
11781178 HPRWLRQDO ILQDQFLDO RU SV\FKRORJLFDO LPSDFWV 6H[XDO DVVDXOW
11791179 S +% RIIHQVHV LQFOXGH EXW DUH QRW OLPLWHG WR WKH RIIHQVHV GHILQHG LQ
11801180 FKDSWHU $ 5&: 
11811181  9LROHQWRIIHQVHPHDQV
11821182 D $Q\RIWKHIROORZLQJIHORQLHV
11831183 L  $Q\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $ IHORQ\ RU DQ
11841184 DWWHPSWWRFRPPLWDFODVV$IHORQ\
11851185 LL  &ULPLQDO VROLFLWDWLRQ RI RU FULPLQDO FRQVSLUDF\ WR FRPPLW D
11861186 FODVV$IHORQ\
11871187 LLL 0DQVODXJKWHULQWKHILUVWGHJUHH
11881188 LY 0DQVODXJKWHULQWKHVHFRQGGHJUHH
11891189 Y ,QGHFHQWOLEHUWLHVLIFRPPLWWHGE\IRUFLEOHFRPSXOVLRQ
11901190 YL .LGQDSSLQJLQWKHVHFRQGGHJUHH
11911191 YLL $UVRQLQWKHVHFRQGGHJUHH
11921192 YLLL $VVDXOWLQWKHVHFRQGGHJUHH
11931193 L[ $VVDXOWRIDFKLOGLQWKHVHFRQGGHJUHH
11941194 [ ([WRUWLRQLQWKHILUVWGHJUHH
11951195 [L 5REEHU\LQWKHVHFRQGGHJUHH
11961196 [LL 'ULYHE\VKRRWLQJ
11971197 [LLL  9HKLFXODU DVVDXOW ZKHQ FDXVHG E\ WKH RSHUDWLRQ RU GULYLQJ
11981198 RI D YHKLFOH E\ D SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ
11991199 OLTXRU RU DQ\ GUXJ RU E\ WKH RSHUDWLRQ RU GULYLQJ RI D YHKLFOH LQ D
12001200 UHFNOHVVPDQQHUDQG
12011201 [LY  9HKLFXODU KRPLFLGH ZKHQ SUR[LPDWHO\ FDXVHG E\ WKH GULYLQJ
12021202 RI DQ\ YHKLFOH E\ DQ\ SHUVRQ ZKLOH XQGHU WKH LQIOXHQFH RI
12031203 LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:   RU E\
12041204 WKHRSHUDWLRQRIDQ\YHKLFOHLQDUHFNOHVVPDQQHU
12051205 E  $Q\ FRQYLFWLRQ IRU D IHORQ\ RIIHQVH LQ HIIHFW DW DQ\ WLPH
12061206 SULRU WR -XO\   WKDW LV FRPSDUDEOH WR D IHORQ\ FODVVLILHG DV D
12071207 YLROHQWRIIHQVHLQ D RIWKLVVXEVHFWLRQDQG
12081208 F  $Q\ IHGHUDO RU RXWRIVWDWH FRQYLFWLRQ IRU DQ RIIHQVH WKDW
12091209 XQGHU WKH ODZV RI WKLV VWDWH ZRXOG EH D IHORQ\ FODVVLILHG DV D
12101210 YLROHQWRIIHQVHXQGHU D RU E RIWKLVVXEVHFWLRQ
12111211   :RUN FUHZ PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW
12121212 FRQVLVWLQJ RI FLYLF LPSURYHPHQW WDVNV IRU WKH EHQHILW RI WKH
12131213 FRPPXQLW\WKDWFRPSOLHVZLWK5&: $ 
12141214   :RUN HWKLF FDPS PHDQV DQ DOWHUQDWLYH LQFDUFHUDWLRQ SURJUDP
12151215 DV SURYLGHG LQ 5&: $  GHVLJQHG WR UHGXFH UHFLGLYLVP DQG ORZHU
12161216 WKH FRVW RI FRUUHFWLRQV E\ UHTXLULQJ RIIHQGHUV WR FRPSOHWH D
12171217 FRPSUHKHQVLYH DUUD\ RI UHDOZRUOG MRE DQG YRFDWLRQDO H[SHULHQFHV
12181218 FKDUDFWHUEXLOGLQJ ZRUN HWKLFV WUDLQLQJ OLIH PDQDJHPHQW VNLOOV
12191219 S +% GHYHORSPHQW VXEVWDQFH DEXVH UHKDELOLWDWLRQ FRXQVHOLQJ OLWHUDF\
12201220 WUDLQLQJDQGEDVLFDGXOWHGXFDWLRQ
12211221   :RUN UHOHDVH PHDQV D SURJUDP RI SDUWLDO FRQILQHPHQW
12221222 DYDLODEOH WR RIIHQGHUV ZKR DUH HPSOR\HG RU HQJDJHG DV D VWXGHQW LQ D
12231223 UHJXODUFRXUVHRIVWXG\DWVFKRRO
12241224 6HF   5&: $  DQG  F  V  DUH HDFK DPHQGHG WR
12251225 UHDGDVIROORZV
12261226   7KH SURYLVLRQV RI WKLV VHFWLRQ DSSO\ WR WKH VWDQGDUG VHQWHQFH
12271227 UDQJHVGHWHUPLQHGE\5&: $ RU $ 
12281228   )RU SHUVRQV FRQYLFWHG RI WKH DQWLFLSDWRU\ RIIHQVHV RI
12291229 FULPLQDO DWWHPSW VROLFLWDWLRQ RU FRQVSLUDF\ XQGHU FKDSWHU $
12301230 5&:  WKH VWDQGDUG VHQWHQFH UDQJH LV GHWHUPLQHG E\ ORFDWLQJ WKH
12311231 VHQWHQFLQJ JULG VHQWHQFH UDQJH GHILQHG E\ WKH DSSURSULDWH RIIHQGHU
12321232 VFRUH DQG WKH VHULRXVQHVV OHYHO RI WKH FRPSOHWHG FULPH DQG
12331233 PXOWLSO\LQJWKHUDQJHE\ VHYHQW\ILYH   SHUFHQW
12341234   7KH IROORZLQJ DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG
12351235 VHQWHQFH UDQJH IRU IHORQ\ FULPHV FRPPLWWHG DIWHU -XO\   LI
12361236 WKH RIIHQGHU RU DQ DFFRPSOLFH ZDV DUPHG ZLWK D ILUHDUP DV GHILQHG LQ
12371237 5&:   DQG WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU RQH RI WKH
12381238 FULPHV OLVWHG LQ WKLV VXEVHFWLRQ DV HOLJLEOH IRU DQ\ ILUHDUP
12391239 HQKDQFHPHQWV EDVHG RQ WKH FODVVLILFDWLRQ RI WKH FRPSOHWHG IHORQ\
12401240 FULPH ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU PRUH WKDQ RQH RIIHQVH
12411241 WKH ILUHDUP HQKDQFHPHQW RU HQKDQFHPHQWV PXVW EH DGGHG WR WKH WRWDO
12421242 SHULRG RI FRQILQHPHQW IRU DOO RIIHQVHV UHJDUGOHVV RI ZKLFK
12431243 XQGHUO\LQJ RIIHQVH LV VXEMHFW WR D ILUHDUP HQKDQFHPHQW ,I WKH
12441244 RIIHQGHU RU DQ DFFRPSOLFH ZDV DUPHG ZLWK D ILUHDUP DV GHILQHG LQ 5&:
12451245   DQG WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ DQWLFLSDWRU\
12461246 RIIHQVH XQGHU FKDSWHU $  5&:  WR FRPPLW RQH RI WKH FULPHV OLVWHG LQ
12471247 WKLV VXEVHFWLRQ DV HOLJLEOH IRU DQ\ ILUHDUP HQKDQFHPHQWV WKH
12481248 IROORZLQJ DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG VHQWHQFH
12491249 UDQJH GHWHUPLQHG XQGHU VXEVHFWLRQ   RI WKLV VHFWLRQ EDVHG RQ WKH
12501250 IHORQ\FULPHRIFRQYLFWLRQDVFODVVLILHGXQGHU5&: $ 
12511251 D  )LYH \HDUV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $
12521252 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI DW OHDVW WZHQW\  
12531253 \HDUVRUERWKDQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
12541254 E  7KUHH \HDUV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV %
12551255 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI WHQ    \HDUV RU
12561256 ERWKDQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
12571257 S +% F  (LJKWHHQ PRQWKV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D
12581258 FODVV & IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI ILYH \HDUV RU
12591259 ERWKDQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
12601260 G  ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ\ ILUHDUP
12611261 HQKDQFHPHQWV XQGHU D  E  DQGRU F  RI WKLV VXEVHFWLRQ DQG WKH
12621262 RIIHQGHU KDV SUHYLRXVO\ EHHQ VHQWHQFHG IRU DQ\ GHDGO\ ZHDSRQ
12631263 HQKDQFHPHQWV DIWHU -XO\   XQGHU D  E  DQGRU F  RI WKLV
12641264 VXEVHFWLRQ RU VXEVHFWLRQ  D  E  DQGRU F  RI WKLV VHFWLRQ RU
12651265 ERWK DOO ILUHDUP HQKDQFHPHQWV XQGHU WKLV VXEVHFWLRQ VKDOO EH WZLFH
12661266 WKHDPRXQWRIWKHHQKDQFHPHQWOLVWHG
12671267 H L  1RWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI ODZ DOO ILUHDUP
12681268 HQKDQFHPHQWV XQGHU WKLV VHFWLRQ DUH PDQGDWRU\  VKDOO EH VHUYHG LQ
12691269 WRWDO FRQILQHPHQW DQG VKDOO UXQ FRQVHFXWLYHO\ WR DOO RWKHU
12701270 VHQWHQFLQJ SURYLVLRQV LQFOXGLQJ RWKHU ILUHDUP RU GHDGO\ ZHDSRQ
12711271 HQKDQFHPHQWV IRU DOO RIIHQVHV VHQWHQFHG XQGHU WKLV FKDSWHU +RZHYHU
12721272 ZKHWKHU  )RU DQ\ SHUVRQ VHQWHQFHG WR PXOWLSOH ILUHDUP RU GHDGO\
12731273 ZHDSRQ HQKDQFHPHQWV RQ RU DIWHU WKH HIIHFWLYH GDWH RI WKLV VHFWLRQ
12741274 WKHFRXUWPD\RUGHUWKHHQKDQFHPHQWVWRUXQFRQVHFXWLYHO\
12751275 LL  :KHWKHU  RU QRW D PDQGDWRU\ PLQLPXP WHUP KDV H[SLUHG DQ
12761276 RIIHQGHUVHUYLQJDVHQWHQFHXQGHUWKLVVXEVHFWLRQPD\EH
12771277 L  $  *UDQWHG DQ H[WUDRUGLQDU\ PHGLFDO SODFHPHQW ZKHQ
12781278 DXWKRUL]HGXQGHU5&: $  F RU
12791279 LL  % 5HOHDVHGXQGHUWKHSURYLVLRQVRI5&: $ 
12801280 I  7KH ILUHDUP HQKDQFHPHQWV LQ WKLV VHFWLRQ VKDOO DSSO\ WR DOO
12811281 IHORQ\ FULPHV H[FHSW WKH IROORZLQJ 3RVVHVVLRQ RI D PDFKLQH JXQ RU
12821282 EXPSILUH VWRFN SRVVHVVLQJ D VWROHQ ILUHDUP GULYHE\ VKRRWLQJ
12831283 WKHIW RI D ILUHDUP XQODZIXO SRVVHVVLRQ RI D ILUHDUP LQ WKH ILUVW DQG
12841284 VHFRQG GHJUHH DQG XVH RI D PDFKLQH JXQ RU EXPSILUH VWRFN LQ D
12851285 IHORQ\
12861286 J  ,I WKH VWDQGDUG VHQWHQFH UDQJH XQGHU WKLV VHFWLRQ H[FHHGV WKH
12871287 VWDWXWRU\ PD[LPXP VHQWHQFH IRU WKH RIIHQVH WKH VWDWXWRU\ PD[LPXP
12881288 VHQWHQFH VKDOO EH WKH SUHVXPSWLYH VHQWHQFH XQOHVV WKH RIIHQGHU LV D
12891289 SHUVLVWHQW RIIHQGHU ,I WKH DGGLWLRQ RI D ILUHDUP HQKDQFHPHQW
12901290 LQFUHDVHV WKH VHQWHQFH VR WKDW LW ZRXOG H[FHHG WKH VWDWXWRU\ PD[LPXP
12911291 IRU WKH RIIHQVH WKH SRUWLRQ RI WKH VHQWHQFH UHSUHVHQWLQJ WKH
12921292 HQKDQFHPHQWPD\QRWEHUHGXFHG 
12931293   7KH IROORZLQJ DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG
12941294 VHQWHQFH UDQJH IRU IHORQ\ FULPHV FRPPLWWHG DIWHU -XO\   LI
12951295 WKH RIIHQGHU RU DQ DFFRPSOLFH ZDV DUPHG ZLWK D GHDGO\ ZHDSRQ RWKHU
12961296 WKDQ D ILUHDUP DV GHILQHG LQ 5&:   DQG WKH RIIHQGHU LV EHLQJ
12971297 S +% VHQWHQFHG IRU RQH RI WKH FULPHV OLVWHG LQ WKLV VXEVHFWLRQ DV HOLJLEOH
12981298 IRU DQ\ GHDGO\ ZHDSRQ HQKDQFHPHQWV EDVHG RQ WKH FODVVLILFDWLRQ RI WKH
12991299 FRPSOHWHG IHORQ\ FULPH ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU PRUH
13001300 WKDQ RQH RIIHQVH WKH GHDGO\ ZHDSRQ HQKDQFHPHQW RU HQKDQFHPHQWV PXVW
13011301 EH DGGHG WR WKH WRWDO SHULRG RI FRQILQHPHQW IRU DOO RIIHQVHV
13021302 UHJDUGOHVV RI ZKLFK XQGHUO\LQJ RIIHQVH LV VXEMHFW WR D GHDGO\ ZHDSRQ
13031303 HQKDQFHPHQW ,I WKH RIIHQGHU RU DQ DFFRPSOLFH ZDV DUPHG ZLWK D GHDGO\
13041304 ZHDSRQ RWKHU WKDQ D ILUHDUP DV GHILQHG LQ 5&:   DQG WKH
13051305 RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ DQWLFLSDWRU\ RIIHQVH XQGHU FKDSWHU
13061306 $  5&:  WR FRPPLW RQH RI WKH FULPHV OLVWHG LQ WKLV VXEVHFWLRQ DV
13071307 HOLJLEOH IRU DQ\ GHDGO\ ZHDSRQ HQKDQFHPHQWV WKH IROORZLQJ DGGLWLRQDO
13081308 WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG VHQWHQFH UDQJH GHWHUPLQHG XQGHU
13091309 VXEVHFWLRQ   RI WKLV VHFWLRQ EDVHG RQ WKH IHORQ\ FULPH RI
13101310 FRQYLFWLRQDVFODVVLILHGXQGHU5&: $ 
13111311 D  7ZR \HDUV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV $
13121312 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI DW OHDVW WZHQW\  
13131313 \HDUVRUERWKDQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
13141314 E  2QH \HDU IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV %
13151315 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI WHQ    \HDUV RU
13161316 ERWKDQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
13171317 F  6L[ PRQWKV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV &
13181318 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI ILYH \HDUV RU ERWK
13191319 DQGQRWFRYHUHGXQGHU I RIWKLVVXEVHFWLRQ
13201320 G  ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG XQGHU D  E  DQGRU F 
13211321 RI WKLV VXEVHFWLRQ IRU DQ\ GHDGO\ ZHDSRQ HQKDQFHPHQWV DQG WKH
13221322 RIIHQGHU KDV SUHYLRXVO\ EHHQ VHQWHQFHG IRU DQ\ GHDGO\ ZHDSRQ
13231323 HQKDQFHPHQWV DIWHU -XO\   XQGHU D  E  DQGRU F  RI WKLV
13241324 VXEVHFWLRQ RU VXEVHFWLRQ  D  E  DQGRU F  RI WKLV VHFWLRQ RU
13251325 ERWK DOO GHDGO\ ZHDSRQ HQKDQFHPHQWV XQGHU WKLV VXEVHFWLRQ VKDOO EH
13261326 WZLFHWKHDPRXQWRIWKHHQKDQFHPHQWOLVWHG
13271327 H L  1RWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI ODZ DOO GHDGO\
13281328 ZHDSRQ HQKDQFHPHQWV XQGHU WKLV VHFWLRQ DUH PDQGDWRU\  VKDOO EH
13291329 VHUYHG LQ WRWDO FRQILQHPHQW DQG VKDOO UXQ FRQVHFXWLYHO\ WR DOO RWKHU
13301330 VHQWHQFLQJ SURYLVLRQV LQFOXGLQJ RWKHU ILUHDUP RU GHDGO\ ZHDSRQ
13311331 HQKDQFHPHQWV IRU DOO RIIHQVHV VHQWHQFHG XQGHU WKLV FKDSWHU +RZHYHU
13321332 ZKHWKHU  )RU DQ\ SHUVRQ VHQWHQFHG WR PXOWLSOH ILUHDUP RU GHDGO\
13331333 ZHDSRQ HQKDQFHPHQWV RQ RU DIWHU WKH HIIHFWLYH GDWH RI WKLV VHFWLRQ
13341334 WKHFRXUWPD\RUGHUWKHHQKDQFHPHQWVWRUXQFRQVHFXWLYHO\
13351335 LL  :KHWKHU  RU QRW D PDQGDWRU\ PLQLPXP WHUP KDV H[SLUHG DQ
13361336 RIIHQGHUVHUYLQJDVHQWHQFHXQGHUWKLVVXEVHFWLRQPD\EH
13371337 S +% L  $  *UDQWHG DQ H[WUDRUGLQDU\ PHGLFDO SODFHPHQW ZKHQ
13381338 DXWKRUL]HGXQGHU5&: $  F RU
13391339 LL  % 5HOHDVHGXQGHUWKHSURYLVLRQVRI5&: $ 
13401340 I  7KH GHDGO\ ZHDSRQ HQKDQFHPHQWV LQ WKLV VHFWLRQ VKDOO DSSO\ WR
13411341 DOO IHORQ\ FULPHV H[FHSW WKH IROORZLQJ 3RVVHVVLRQ RI D PDFKLQH JXQ
13421342 RU EXPSILUH VWRFN SRVVHVVLQJ D VWROHQ ILUHDUP GULYHE\ VKRRWLQJ
13431343 WKHIW RI D ILUHDUP XQODZIXO SRVVHVVLRQ RI D ILUHDUP LQ WKH ILUVW DQG
13441344 VHFRQG GHJUHH DQG XVH RI D PDFKLQH JXQ RU EXPSILUH VWRFN LQ D
13451345 IHORQ\
13461346 J  ,I WKH VWDQGDUG VHQWHQFH UDQJH XQGHU WKLV VHFWLRQ H[FHHGV WKH
13471347 VWDWXWRU\ PD[LPXP VHQWHQFH IRU WKH RIIHQVH WKH VWDWXWRU\ PD[LPXP
13481348 VHQWHQFH VKDOO EH WKH SUHVXPSWLYH VHQWHQFH XQOHVV WKH RIIHQGHU LV D
13491349 SHUVLVWHQW RIIHQGHU ,I WKH DGGLWLRQ RI D GHDGO\ ZHDSRQ HQKDQFHPHQW
13501350 LQFUHDVHV WKH VHQWHQFH VR WKDW LW ZRXOG H[FHHG WKH VWDWXWRU\ PD[LPXP
13511351 IRU WKH RIIHQVH WKH SRUWLRQ RI WKH VHQWHQFH UHSUHVHQWLQJ WKH
13521352 HQKDQFHPHQWPD\QRWEHUHGXFHG 
13531353   7KH IROORZLQJ DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG
13541354 VHQWHQFH UDQJH LI WKH RIIHQGHU RU DQ DFFRPSOLFH FRPPLWWHG WKH RIIHQVH
13551355 ZKLOH LQ D FRXQW\ MDLO RU VWDWH FRUUHFWLRQDO IDFLOLW\ DQG WKH
13561356 RIIHQGHU LV EHLQJ VHQWHQFHG IRU RQH RI WKH FULPHV OLVWHG LQ WKLV
13571357 VXEVHFWLRQ ,I WKH RIIHQGHU RU DQ DFFRPSOLFH FRPPLWWHG RQH RI WKH
13581358 FULPHV OLVWHG LQ WKLV VXEVHFWLRQ ZKLOH LQ D FRXQW\ MDLO RU VWDWH
13591359 FRUUHFWLRQDO IDFLOLW\ DQG WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ
13601360 DQWLFLSDWRU\ RIIHQVH XQGHU FKDSWHU $  5&:  WR FRPPLW RQH RI WKH
13611361 FULPHV OLVWHG LQ WKLV VXEVHFWLRQ WKH IROORZLQJ DGGLWLRQDO WLPHV
13621362 VKDOO EH DGGHG WR WKH VWDQGDUG VHQWHQFH UDQJH GHWHUPLQHG XQGHU
13631363 VXEVHFWLRQ  RIWKLVVHFWLRQ
13641364 D  (LJKWHHQ PRQWKV IRU RIIHQVHV FRPPLWWHG XQGHU 5&:   
13651365 D RU E RU  
13661366 E  )LIWHHQ PRQWKV IRU RIIHQVHV FRPPLWWHG XQGHU 5&:   
13671367 F  G RU H 
13681368 F 7ZHOYHPRQWKVIRURIIHQVHVFRPPLWWHGXQGHU5&:  
13691369 )RU WKH SXUSRVHV RI WKLV VXEVHFWLRQ DOO RI WKH UHDO SURSHUW\ RI
13701370 D VWDWH FRUUHFWLRQDO IDFLOLW\ RU FRXQW\ MDLO VKDOO EH GHHPHG WR EH
13711371 SDUWRIWKDWIDFLOLW\RUFRXQW\MDLO
13721372   $Q DGGLWLRQDO WZHQW\IRXU    PRQWKV VKDOO EH DGGHG WR WKH
13731373 VWDQGDUG VHQWHQFH UDQJH IRU DQ\ UDQNHG RIIHQVH LQYROYLQJ D YLRODWLRQ
13741374 RI FKDSWHU   5&:  LI WKH RIIHQVH ZDV DOVR D YLRODWLRQ RI 5&:
13751375   RU  $  $OO HQKDQFHPHQWV XQGHU WKLV VXEVHFWLRQ
13761376 S +% VKDOO UXQ FRQVHFXWLYHO\ WR DOO RWKHU VHQWHQFLQJ SURYLVLRQV IRU DOO
13771377 RIIHQVHVVHQWHQFHGXQGHUWKLVFKDSWHU 
13781378   $Q DGGLWLRQDO WZR \HDUV VKDOO EH DGGHG WR WKH VWDQGDUG
13791379 VHQWHQFH UDQJH IRU YHKLFXODU KRPLFLGH FRPPLWWHG ZKLOH XQGHU WKH
13801380 LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:
13811381  IRUHDFKSULRURIIHQVHDVGHILQHGLQ5&:  
13821382 1RWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI ODZ DOO LPSDLUHG GULYLQJ
13831383 HQKDQFHPHQWV XQGHU WKLV VXEVHFWLRQ DUH PDQGDWRU\  VKDOO EH VHUYHG
13841384 LQ WRWDO FRQILQHPHQW  DQG VKDOO UXQ FRQVHFXWLYHO\ WR DOO RWKHU
13851385 VHQWHQFLQJ SURYLVLRQV LQFOXGLQJ RWKHU LPSDLUHG GULYLQJ HQKDQFHPHQWV
13861386 IRU DOO RIIHQVHV VHQWHQFHG XQGHU WKLV FKDSWHU ,I WKH RIIHQGHU KDV
13871387 EHHQ FRQYLFWHG RI WZR RU PRUH SULRU RIIHQVHV DV GHILQHG LQ 5&:
13881388   RU KDV EHHQ FRQYLFWHG RI RQH RU PRUH YHKLFXODU KRPLFLGH
13891389 RIIHQVHV ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU RWKHU
13901390 GUXJ DV GHILQHG LQ 5&:   D  DOO HQKDQFHPHQWV LQ WKLV
13911391 VXEVHFWLRQPXVWEHVHUYHGLQWRWDOFRQILQHPHQW
13921392 $Q RIIHQGHU VHUYLQJ D VHQWHQFH XQGHU WKLV VXEVHFWLRQ PD\ EH
13931393 JUDQWHG DQ H[WUDRUGLQDU\ PHGLFDO SODFHPHQW ZKHQ DXWKRUL]HG XQGHU 5&:
13941394 $  F 
13951395  D  7KH IROORZLQJ DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH
13961396 VWDQGDUG VHQWHQFH UDQJH IRU IHORQ\ FULPHV FRPPLWWHG RQ RU DIWHU -XO\
13971397   LI WKH RIIHQVH ZDV FRPPLWWHG ZLWK VH[XDO PRWLYDWLRQ DV WKDW
13981398 WHUP LV GHILQHG LQ 5&: $  ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG
13991399 IRU PRUH WKDQ RQH RIIHQVH WKH VH[XDO PRWLYDWLRQ HQKDQFHPHQW PXVW EH
14001400 DGGHG WR WKH WRWDO SHULRG RI WRWDO  FRQILQHPHQW IRU DOO RIIHQVHV
14011401 UHJDUGOHVV RI ZKLFK XQGHUO\LQJ RIIHQVH LV VXEMHFW WR D VH[XDO
14021402 PRWLYDWLRQ HQKDQFHPHQW ,I WKH RIIHQGHU FRPPLWWHG WKH RIIHQVH ZLWK
14031403 VH[XDO PRWLYDWLRQ DQG WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ
14041404 DQWLFLSDWRU\ RIIHQVH XQGHU FKDSWHU $  5&:  WKH IROORZLQJ
14051405 DGGLWLRQDO WLPHV VKDOO EH DGGHG WR WKH VWDQGDUG VHQWHQFH UDQJH
14061406 GHWHUPLQHG XQGHU VXEVHFWLRQ   RI WKLV VHFWLRQ EDVHG RQ WKH IHORQ\
14071407 FULPHRIFRQYLFWLRQDVFODVVLILHGXQGHU5&: $ 
14081408 L  7ZR \HDUV IRU DQ\ IHORQ\ GHILQHG XQGHU WKH ODZ DV D FODVV $
14091409 IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI DW OHDVW WZHQW\  
14101410 \HDUVRUERWK
14111411 LL  (LJKWHHQ PRQWKV IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D
14121412 FODVV % IHORQ\ RU ZLWK D VWDWXWRU\ PD[LPXP VHQWHQFH RI WHQ  
14131413 \HDUVRUERWK
14141414 LLL  2QH \HDU IRU DQ\ IHORQ\ GHILQHG XQGHU DQ\ ODZ DV D FODVV &
14151415 IHORQ\RUZLWKDVWDWXWRU\PD[LPXPVHQWHQFHRIILYH\HDUVRUERWK
14161416 S +% LY  ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU DQ\ VH[XDO PRWLYDWLRQ
14171417 HQKDQFHPHQWV XQGHU D L  LL  DQGRU LLL  RI WKLV VXEVHFWLRQ DQG
14181418 WKH RIIHQGHU KDV SUHYLRXVO\ EHHQ VHQWHQFHG IRU DQ\ VH[XDO PRWLYDWLRQ
14191419 HQKDQFHPHQWV RQ RU DIWHU -XO\   XQGHU D L  LL  DQGRU
14201420 LLL  RI WKLV VXEVHFWLRQ DOO VH[XDO PRWLYDWLRQ HQKDQFHPHQWV XQGHU
14211421 WKLVVXEVHFWLRQVKDOOEHWZLFHWKHDPRXQWRIWKHHQKDQFHPHQWOLVWHG
14221422 E  1RWZLWKVWDQGLQJ DQ\ RWKHU SURYLVLRQ RI ODZ DOO VH[XDO
14231423 PRWLYDWLRQ HQKDQFHPHQWV XQGHU WKLV VXEVHFWLRQ DUH PDQGDWRU\  VKDOO
14241424 EH VHUYHG LQ WRWDO FRQILQHPHQW  DQG VKDOO UXQ FRQVHFXWLYHO\ WR DOO
14251425 RWKHU VHQWHQFLQJ SURYLVLRQV LQFOXGLQJ RWKHU VH[XDO PRWLYDWLRQ
14261426 HQKDQFHPHQWV IRU DOO RIIHQVHV VHQWHQFHG XQGHU WKLV FKDSWHU +RZHYHU
14271427 ZKHWKHU RU QRW D PDQGDWRU\ PLQLPXP WHUP KDV H[SLUHG DQ RIIHQGHU
14281428 VHUYLQJDVHQWHQFHXQGHUWKLVVXEVHFWLRQPD\EH
14291429 L  *UDQWHG DQ H[WUDRUGLQDU\ PHGLFDO SODFHPHQW ZKHQ DXWKRUL]HG
14301430 XQGHU5&: $  F RU
14311431 LL 5HOHDVHGXQGHUWKHSURYLVLRQVRI5&: $ 
14321432 F  7KH VH[XDO PRWLYDWLRQ HQKDQFHPHQWV LQ WKLV VXEVHFWLRQ DSSO\
14331433 WRDOOIHORQ\FULPHV
14341434 G  ,I WKH VWDQGDUG VHQWHQFH UDQJH XQGHU WKLV VXEVHFWLRQ H[FHHGV
14351435 WKH VWDWXWRU\ PD[LPXP VHQWHQFH IRU WKH RIIHQVH WKH VWDWXWRU\ PD[LPXP
14361436 VHQWHQFH VKDOO EH WKH SUHVXPSWLYH VHQWHQFH XQOHVV WKH RIIHQGHU LV D
14371437 SHUVLVWHQW RIIHQGHU  ,I WKH DGGLWLRQ RI D VH[XDO PRWLYDWLRQ
14381438 HQKDQFHPHQW LQFUHDVHV WKH VHQWHQFH VR WKDW LW ZRXOG H[FHHG WKH
14391439 VWDWXWRU\ PD[LPXP IRU WKH RIIHQVH WKH SRUWLRQ RI WKH VHQWHQFH
14401440 UHSUHVHQWLQJWKHHQKDQFHPHQWPD\QRWEHUHGXFHG 
14411441 H  7KH SRUWLRQ RI WKH WRWDO FRQILQHPHQW VHQWHQFH ZKLFK WKH
14421442 RIIHQGHU PXVW VHUYH XQGHU WKLV VXEVHFWLRQ VKDOO EH FDOFXODWHG EHIRUH
14431443 DQ\HDUQHGHDUO\UHOHDVHWLPHLVFUHGLWHGWRWKHRIIHQGHU
14441444 I  1RWKLQJ LQ WKLV VXEVHFWLRQ SUHYHQWV D VHQWHQFLQJ FRXUW IURP
14451445 LPSRVLQJ D VHQWHQFH RXWVLGH WKH VWDQGDUG VHQWHQFH UDQJH SXUVXDQW WR
14461446 5&: $ 
14471447   $Q DGGLWLRQDO RQH  \HDU HQKDQFHPHQW VKDOO EH DGGHG WR WKH
14481448 VWDQGDUG VHQWHQFH UDQJH IRU WKH IHORQ\ FULPHV RI 5&: $ 
14491449 $  $  $  $  RU $  FRPPLWWHG RQ
14501450 RU DIWHU -XO\   LI WKH RIIHQGHU HQJDJHG DJUHHG RU RIIHUHG
14511451 WR HQJDJH WKH YLFWLP LQ WKH VH[XDO FRQGXFW LQ UHWXUQ IRU D IHH ,I
14521452 WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU PRUH WKDQ RQH RIIHQVH WKH
14531453 RQH  \HDU HQKDQFHPHQW PXVW EH DGGHG WR WKH WRWDO SHULRG RI WRWDO 
14541454 FRQILQHPHQW IRU DOO RIIHQVHV UHJDUGOHVV RI ZKLFK XQGHUO\LQJ RIIHQVH
14551455 LV VXEMHFW WR WKH HQKDQFHPHQW ,I WKH RIIHQGHU LV EHLQJ VHQWHQFHG IRU
14561456 S +% DQ DQWLFLSDWRU\ RIIHQVH IRU WKH IHORQ\ FULPHV RI 5&: $ 
14571457 $  $  $  $  RU $  DQG WKH
14581458 RIIHQGHU DWWHPSWHG VROLFLWHG DQRWKHU RU FRQVSLUHG WR HQJDJH DJUHH
14591459 RU RIIHU WR HQJDJH WKH YLFWLP LQ WKH VH[XDO FRQGXFW LQ UHWXUQ IRU D
14601460 IHH DQ DGGLWLRQDO RQH  \HDU HQKDQFHPHQW VKDOO EH DGGHG WR WKH
14611461 VWDQGDUG VHQWHQFH UDQJH GHWHUPLQHG XQGHU VXEVHFWLRQ   RI WKLV
14621462 VHFWLRQ )RU SXUSRVHV RI WKLV VXEVHFWLRQ VH[XDO FRQGXFW PHDQV
14631463 VH[XDO LQWHUFRXUVH RU VH[XDO FRQWDFW ERWK DV GHILQHG LQ FKDSWHU
14641464 $ 5&: 
14651465  D  )RU D SHUVRQ DJH HLJKWHHQ RU ROGHU FRQYLFWHG RI DQ\
14661466 FULPLQDO VWUHHW JDQJUHODWHG IHORQ\ RIIHQVH IRU ZKLFK WKH SHUVRQ
14671467 FRPSHQVDWHG WKUHDWHQHG RU VROLFLWHG D PLQRU LQ RUGHU WR LQYROYH WKH
14681468 PLQRU LQ WKH FRPPLVVLRQ RI WKH IHORQ\ RIIHQVH WKH VWDQGDUG VHQWHQFH
14691469 UDQJH LV GHWHUPLQHG E\ ORFDWLQJ WKH VHQWHQFLQJ JULG VHQWHQFH UDQJH
14701470 GHILQHG E\ WKH DSSURSULDWH RIIHQGHU VFRUH DQG WKH VHULRXVQHVV OHYHO
14711471 RI WKH FRPSOHWHG FULPH DQG PXOWLSO\LQJ WKH UDQJH E\ RQH KXQGUHG
14721472 WZHQW\ILYH SHUFHQW ,I WKH VWDQGDUG VHQWHQFH UDQJH XQGHU WKLV
14731473 VXEVHFWLRQ H[FHHGV WKH VWDWXWRU\ PD[LPXP VHQWHQFH IRU WKH RIIHQVH
14741474 WKH VWDWXWRU\ PD[LPXP VHQWHQFH LV WKH SUHVXPSWLYH VHQWHQFH XQOHVV WKH
14751475 RIIHQGHULVDSHUVLVWHQWRIIHQGHU
14761476 E  7KLV VXEVHFWLRQ GRHV QRW DSSO\ WR DQ\ FULPLQDO VWUHHW JDQJ
14771477 UHODWHG IHORQ\ RIIHQVH IRU ZKLFK LQYROYLQJ D PLQRU LQ WKH FRPPLVVLRQ
14781478 RIWKHIHORQ\RIIHQVHLVDQHOHPHQWRIWKHRIIHQVH
14791479 F  7KH LQFUHDVHG SHQDOW\ VSHFLILHG LQ D  RI WKLV VXEVHFWLRQ LV
14801480 XQDYDLODEOH LQ WKH HYHQW WKDW WKH SURVHFXWLRQ JLYHV QRWLFH WKDW LW
14811481 ZLOO VHHN DQ H[FHSWLRQDO VHQWHQFH EDVHG RQ DQ DJJUDYDWLQJ IDFWRU
14821482 XQGHU5&: $ 
14831483   $Q DGGLWLRQDO WZHOYH    PRQWKV DQG RQH GD\ VKDOO EH
14841484 DGGHG WR WKH VWDQGDUG VHQWHQFH UDQJH IRU D FRQYLFWLRQ RI DWWHPSWLQJ
14851485 WR HOXGH D SROLFH YHKLFOH DV GHILQHG E\ 5&:   LI WKH
14861486 FRQYLFWLRQ LQFOXGHG D ILQGLQJ E\ VSHFLDO DOOHJDWLRQ RI HQGDQJHULQJ
14871487 RQHRUPRUHSHUVRQVXQGHU5&: $ 
14881488     $Q DGGLWLRQDO WZHOYH    PRQWKV VKDOO EH DGGHG
14891489 WR WKH VWDQGDUG VHQWHQFH UDQJH IRU DQ RIIHQVH WKDW LV DOVR D
14901490 YLRODWLRQRI5&: $ 
14911491     $Q DGGLWLRQDO WZHOYH    PRQWKV VKDOO EH DGGHG
14921492 WR WKH VWDQGDUG VHQWHQFH UDQJH IRU YHKLFXODU KRPLFLGH FRPPLWWHG ZKLOH
14931493 XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ DV GHILQHG E\
14941494 5&:   RU IRU YHKLFXODU DVVDXOW FRPPLWWHG ZKLOH XQGHU WKH
14951495 LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU DQ\ GUXJ DV GHILQHG E\ 5&:
14961496 S +%   RU IRU DQ\ IHORQ\ GULYLQJ XQGHU WKH LQIOXHQFH 5&:
14971497    RU IHORQ\ SK\VLFDO FRQWURO XQGHU WKH LQIOXHQFH 5&:
14981498    IRU HDFK FKLOG SDVVHQJHU XQGHU WKH DJH RI VL[WHHQ 
14991499   ZKR LV DQ RFFXSDQW LQ WKH GHIHQGDQWV YHKLFOH 7KHVH HQKDQFHPHQWV
15001500 VKDOO EH PDQGDWRU\  VKDOO EH VHUYHG LQ WRWDO FRQILQHPHQW  DQG
15011501 VKDOO UXQ FRQVHFXWLYHO\ WR DOO RWKHU VHQWHQFLQJ SURYLVLRQV LQFOXGLQJ
15021502 RWKHU PLQRU FKLOG HQKDQFHPHQWV IRU DOO RIIHQVHV VHQWHQFHG XQGHU WKLV
15031503 FKDSWHU ,I WKH DGGLWLRQ RI D PLQRU FKLOG HQKDQFHPHQW LQFUHDVHV WKH
15041504 VHQWHQFH VR WKDW LW ZRXOG H[FHHG WKH VWDWXWRU\ PD[LPXP IRU WKH
15051505 RIIHQVH WKH SRUWLRQ RI WKH VHQWHQFH UHSUHVHQWLQJ WKH HQKDQFHPHQW
15061506 VKDOO EH PDQGDWRU\ VKDOO EH VHUYHG LQ WRWDO FRQILQHPHQW DQG VKDOO
15071507 UXQ FRQVHFXWLYHO\ WR DOO RWKHU VHQWHQFLQJ SURYLVLRQV  ,I WKH
15081508 RIIHQGHU KDV EHHQ FRQYLFWHG RI WZR RU PRUH SULRU RIIHQVHV DV GHILQHG
15091509 LQ 5&:   RU KDV EHHQ FRQYLFWHG RI RQH RU PRUH YHKLFXODU
15101510 KRPLFLGH RIIHQVHV ZKLOH XQGHU WKH LQIOXHQFH RI LQWR[LFDWLQJ OLTXRU RU
15111511 RWKHU GUXJ DV GHILQHG LQ 5&:   D  DOO HQKDQFHPHQWV LQ
15121512 WKLVVXEVHFWLRQPXVWEHVHUYHGLQWRWDOFRQILQHPHQW
15131513     $Q DGGLWLRQDO WZHOYH    PRQWKV VKDOO EH DGGHG
15141514 WR WKH VWDQGDUG VHQWHQFH UDQJH IRU DQ RIIHQVH WKDW LV DOVR D
15151515 YLRODWLRQRI5&: $ 
15161516     $Q DGGLWLRQDO  PRQWKV PD\ DW WKH GLVFUHWLRQ RI
15171517 WKH FRXUW EH DGGHG WR WKH VWDQGDUG VHQWHQFH UDQJH IRU DQ RIIHQVH
15181518 WKDWLVDOVRDYLRODWLRQRI5&: $ 
15191519     5HJDUGOHVV RI DQ\ SURYLVLRQV LQ WKLV VHFWLRQ LI D
15201520 SHUVRQ LV EHLQJ VHQWHQFHG LQ DGXOW FRXUW IRU D FULPH FRPPLWWHG XQGHU
15211521 DJH HLJKWHHQ    WKH FRXUW KDV IXOO GLVFUHWLRQ WR GHSDUW IURP
15221522 PDQGDWRU\ VHQWHQFLQJ HQKDQFHPHQWV DQG WR WDNH WKH SDUWLFXODU
15231523 FLUFXPVWDQFHVVXUURXQGLQJWKHGHIHQGDQWV\RXWKLQWRDFFRXQW
15241524 6HF   5&: $  DQG  F  V  DUH HDFK DPHQGHG WR
15251525 UHDGDVIROORZV
15261526 ,I WKH SUHVXPSWLYH VHQWHQFH GXUDWLRQ JLYHQ LQ WKH VHQWHQFLQJ JULG
15271527 H[FHHGV WKH VWDWXWRU\ PD[LPXP VHQWHQFH IRU WKH RIIHQVH WKH VWDWXWRU\
15281528 PD[LPXP VHQWHQFH VKDOO EH WKH SUHVXPSWLYH VHQWHQFH ,I WKH DGGLWLRQ
15291529 RI D ILUHDUP RU GHDGO\ ZHDSRQ HQKDQFHPHQW LQFUHDVHV WKH VHQWHQFH VR
15301530 WKDW LW ZRXOG H[FHHG WKH VWDWXWRU\ PD[LPXP IRU WKH RIIHQVH WKH
15311531 SRUWLRQ RI WKH VHQWHQFH UHSUHVHQWLQJ WKH HQKDQFHPHQW PD\ QRW EH
15321532 UHGXFHG 
15331533 S +% 6HF   5&: $  DQG  F  V  DUH HDFK DPHQGHG WR UHDG
15341534 DVIROORZV
15351535  D  7KH WHUP RI WKH VHQWHQFH RI DQ RIIHQGHU FRPPLWWHG WR D
15361536 FRUUHFWLRQDO IDFLOLW\ RSHUDWHG E\ WKH GHSDUWPHQW PD\ EH UHGXFHG E\
15371537 HDUQHG UHOHDVH WLPH LQ DFFRUGDQFH ZLWK SURFHGXUHV WKDW VKDOO EH
15381538 GHYHORSHG DQG DGRSWHG E\ WKH FRUUHFWLRQDO DJHQF\ KDYLQJ MXULVGLFWLRQ
15391539 LQ ZKLFK WKH RIIHQGHU LV FRQILQHG 7KH HDUQHG UHOHDVH WLPH VKDOO EH
15401540 IRU JRRG EHKDYLRU DQG JRRG SHUIRUPDQFH DV GHWHUPLQHG E\ WKH
15411541 FRUUHFWLRQDO DJHQF\ KDYLQJ MXULVGLFWLRQ 7KH FRUUHFWLRQDO DJHQF\
15421542 VKDOO QRW FUHGLW WKH RIIHQGHU ZLWK HDUQHG UHOHDVH FUHGLWV LQ DGYDQFH
15431543 RIWKHRIIHQGHUDFWXDOO\HDUQLQJWKHFUHGLWV
15441544 E  $Q\ SURJUDP HVWDEOLVKHG SXUVXDQW WR WKLV VHFWLRQ VKDOO DOORZ
15451545 DQ RIIHQGHU WR HDUQ HDUO\ UHOHDVH FUHGLWV IRU SUHVHQWHQFH
15461546 LQFDUFHUDWLRQ ,I DQ RIIHQGHU LV WUDQVIHUUHG IURP D FRXQW\ MDLO WR
15471547 WKH GHSDUWPHQW WKH DGPLQLVWUDWRU RI D FRXQW\ MDLO IDFLOLW\ VKDOO
15481548 FHUWLI\ WR WKH GHSDUWPHQW WKH DPRXQW RI WLPH VSHQW LQ FXVWRG\ DW WKH
15491549 IDFLOLW\ DQG WKH QXPEHU RI GD\V RI HDUO\ UHOHDVH FUHGLWV ORVW RU QRW
15501550 HDUQHG 7KH GHSDUWPHQW PD\ DSSURYH D MDLO FHUWLILFDWLRQ IURP D
15511551 FRUUHFWLRQDO DJHQF\ WKDW FDOFXODWHV HDUO\ UHOHDVH WLPH EDVHG RQ WKH
15521552 DFWXDO DPRXQW RI FRQILQHPHQW WLPH VHUYHG E\ WKH RIIHQGHU EHIRUH
15531553 VHQWHQFLQJ ZKHQ DQ HUURQHRXV FDOFXODWLRQ RI FRQILQHPHQW WLPH VHUYHG
15541554 E\ WKH RIIHQGHU EHIRUH VHQWHQFLQJ DSSHDUV RQ WKH MXGJPHQW DQG
15551555 VHQWHQFH 7KH GHSDUWPHQW PXVW DGMXVW DQ RIIHQGHUV UDWH RI HDUO\
15561556 UHOHDVH OLVWHG RQ WKH MDLO FHUWLILFDWLRQ WR EH FRQVLVWHQW ZLWK WKH
15571557 UDWH DSSOLFDEOH WR RIIHQGHUV LQ WKH GHSDUWPHQWV IDFLOLWLHV +RZHYHU
15581558 WKH GHSDUWPHQW LV QRW DXWKRUL]HG WR DGMXVW WKH QXPEHU RI SUHVHQWHQFH
15591559 HDUO\UHOHDVHGD\VWKDWWKHMDLOKDVFHUWLILHGDVORVWRUQRWHDUQHG
15601560  D  $Q RIIHQGHU ZKR KDV EHHQ FRQYLFWHG RI D IHORQ\ FRPPLWWHG
15611561 DIWHU -XO\   WKDW LQYROYHV DQ\ DSSOLFDEOH GHDGO\ ZHDSRQ
15621562 HQKDQFHPHQWV XQGHU 5&: $    RU   RU ERWK VKDOO QRW
15631563 UHFHLYH DQ\ JRRG WLPH FUHGLWV RU HDUQHG UHOHDVH WLPH IRU WKDW SRUWLRQ
15641564 RI KLV RU KHU VHQWHQFH WKDW UHVXOWV IURP DQ\ GHDGO\ ZHDSRQ
15651565 HQKDQFHPHQWV
15661566 E  $Q RIIHQGHU ZKRVH VHQWHQFH LQFOXGHV DQ\ LPSDLUHG GULYLQJ
15671567 HQKDQFHPHQWV XQGHU 5&: $   PLQRU FKLOG HQKDQFHPHQWV XQGHU
15681568 5&: $   RU ERWK VKDOO QRW UHFHLYH DQ\ JRRG WLPH FUHGLWV
15691569 RU HDUQHG UHOHDVH WLPH IRU DQ\ SRUWLRQ RI KLV RU KHU VHQWHQFH WKDW
15701570 UHVXOWVIURPWKRVHHQKDQFHPHQWV
15711571  $QRIIHQGHUPD\HDUQHDUO\UHOHDVHWLPHDVIROORZV
15721572 S +% D  ,Q WKH FDVH RI DQ RIIHQGHU VHQWHQFHG SXUVXDQW WR 5&:
15731573      RU   WKH RIIHQGHU PD\ QRW UHFHLYH DQ\
15741574 HDUQHG HDUO\ UHOHDVH WLPH GXULQJ WKH PLQLPXP WHUP RI FRQILQHPHQW
15751575 LPSRVHG E\ WKH FRXUW IRU DQ\ UHPDLQLQJ SRUWLRQ RI WKH VHQWHQFH
15761576 VHUYHG E\ WKH RIIHQGHU WKH DJJUHJDWH HDUQHG UHOHDVH WLPH PD\ QRW
15771577 H[FHHGSHUFHQWRIWKHVHQWHQFH
15781578 E  ,Q WKH FDVH RI DQ RIIHQGHU FRQYLFWHG RI D VHULRXV YLROHQW
15791579 RIIHQVH RU D VH[ RIIHQVH WKDW LV D FODVV $ IHORQ\ FRPPLWWHG RQ RU
15801580 DIWHU -XO\   DQG EHIRUH -XO\   WKH DJJUHJDWH HDUQHG
15811581 UHOHDVHWLPHPD\QRWH[FHHGSHUFHQWRIWKHVHQWHQFH
15821582 F  ,Q WKH FDVH RI DQ RIIHQGHU FRQYLFWHG RI D VHULRXV YLROHQW
15831583 RIIHQVH RU D VH[ RIIHQVH WKDW LV D FODVV $ IHORQ\ FRPPLWWHG RQ RU
15841584 DIWHU -XO\   WKH DJJUHJDWH HDUQHG UHOHDVH WLPH PD\ QRW H[FHHG
15851585 SHUFHQWRIWKHVHQWHQFH
15861586 G  $Q RIIHQGHU LV TXDOLILHG WR HDUQ XS WR  SHUFHQW RI
15871587 DJJUHJDWHHDUQHGUHOHDVHWLPHLIKHRUVKH
15881588 L  ,V QRW FODVVLILHG DV DQ RIIHQGHU ZKR LV DW D KLJK ULVN WR
15891589 UHRIIHQGDVSURYLGHGLQVXEVHFWLRQ    RIWKLVVHFWLRQ
15901590 LL ,VQRWFRQILQHGSXUVXDQWWRDVHQWHQFHIRU
15911591 $ $VH[RIIHQVH
15921592 % $YLROHQWRIIHQVH
15931593 & $FULPHDJDLQVWSHUVRQVDVGHILQHGLQ5&: $ 
15941594 '  $ IHORQ\ WKDW LV GRPHVWLF YLROHQFH DV GHILQHG LQ 5&:
15951595  
15961596 ( $YLRODWLRQRI5&: $  UHVLGHQWLDOEXUJODU\ 
15971597 )  $ YLRODWLRQ RI RU DQ DWWHPSW VROLFLWDWLRQ RU FRQVSLUDF\ WR
15981598 YLRODWH 5&:   E\ PDQXIDFWXUH RU GHOLYHU\ RU SRVVHVVLRQ ZLWK
15991599 LQWHQWWRGHOLYHUPHWKDPSKHWDPLQHRU
16001600 *  $ YLRODWLRQ RI RU DQ DWWHPSW VROLFLWDWLRQ RU FRQVSLUDF\ WR
16011601 YLRODWH 5&:   GHOLYHU\ RI D FRQWUROOHG VXEVWDQFH WR D
16021602 PLQRU 
16031603 LLL  +DV QR SULRU FRQYLFWLRQ IRU WKH RIIHQVHV OLVWHG LQ G LL 
16041604 RIWKLVVXEVHFWLRQ
16051605 LY  3DUWLFLSDWHV LQ SURJUDPPLQJ RU DFWLYLWLHV DV GLUHFWHG E\ WKH
16061606 RIIHQGHUV LQGLYLGXDO UHHQWU\ SODQ DV SURYLGHG XQGHU 5&:   WR
16071607 WKH H[WHQW WKDW VXFK SURJUDPPLQJ RU DFWLYLWLHV DUH PDGH DYDLODEOH E\
16081608 WKHGHSDUWPHQWDQG
16091609 Y  +DV QRW FRPPLWWHG D QHZ IHORQ\ DIWHU -XO\   ZKLOH
16101610 XQGHUFRPPXQLW\FXVWRG\
16111611 S +% H  ,Q QR RWKHU FDVH VKDOO WKH DJJUHJDWH HDUQHG UHOHDVH WLPH
16121612 H[FHHGRQHWKLUGRIWKHWRWDOVHQWHQFH
16131613     7KH GHSDUWPHQW VKDOO SHUIRUP D ULVN DVVHVVPHQW RI
16141614 HDFK RIIHQGHU ZKR PD\ TXDOLI\ IRU HDUQHG HDUO\ UHOHDVH XQGHU
16151615 VXEVHFWLRQ    G  RI WKLV VHFWLRQ XWLOL]LQJ WKH ULVN
16161616 DVVHVVPHQW WRRO UHFRPPHQGHG E\ WKH :DVKLQJWRQ VWDWH LQVWLWXWH IRU
16171617 SXEOLF SROLF\ 6XEVHFWLRQ    G  RI WKLV VHFWLRQ GRHV QRW
16181618 DSSO\WRRIIHQGHUVFRQYLFWHGDIWHU-XO\
16191619    D  $ SHUVRQ ZKR LV HOLJLEOH IRU HDUQHG HDUO\ UHOHDVH
16201620 DV SURYLGHG LQ WKLV VHFWLRQ DQG ZKR ZLOO EH VXSHUYLVHG E\ WKH
16211621 GHSDUWPHQW SXUVXDQW WR 5&: $  RU $  VKDOO EH
16221622 WUDQVIHUUHGWRFRPPXQLW\FXVWRG\LQOLHXRIHDUQHGUHOHDVHWLPH
16231623 E  7KH GHSDUWPHQW VKDOO DV D SDUW RI LWV SURJUDP IRU UHOHDVH WR
16241624 WKH FRPPXQLW\ LQ OLHX RI HDUQHG UHOHDVH UHTXLUH WKH RIIHQGHU WR
16251625 SURSRVH D UHOHDVH SODQ WKDW LQFOXGHV DQ DSSURYHG UHVLGHQFH DQG OLYLQJ
16261626 DUUDQJHPHQW $OO RIIHQGHUV ZLWK FRPPXQLW\ FXVWRG\ WHUPV HOLJLEOH IRU
16271627 UHOHDVH WR FRPPXQLW\ FXVWRG\ LQ OLHX RI HDUQHG UHOHDVH VKDOO SURYLGH
16281628 DQ DSSURYHG UHVLGHQFH DQG OLYLQJ DUUDQJHPHQW SULRU WR UHOHDVH WR WKH
16291629 FRPPXQLW\
16301630 F  7KH GHSDUWPHQW PD\ GHQ\ WUDQVIHU WR FRPPXQLW\ FXVWRG\ LQ OLHX
16311631 RI HDUQHG UHOHDVH WLPH LI WKH GHSDUWPHQW GHWHUPLQHV DQ RIIHQGHUV
16321632 UHOHDVH SODQ LQFOXGLQJ SURSRVHG UHVLGHQFH ORFDWLRQ DQG OLYLQJ
16331633 DUUDQJHPHQWV PD\ YLRODWH WKH FRQGLWLRQV RI WKH VHQWHQFH RU
16341634 FRQGLWLRQV RI VXSHUYLVLRQ SODFH WKH RIIHQGHU DW ULVN WR YLRODWH WKH
16351635 FRQGLWLRQV RI WKH VHQWHQFH SODFH WKH RIIHQGHU DW ULVN WR UHRIIHQG
16361636 RU SUHVHQW D ULVN WR YLFWLP VDIHW\ RU FRPPXQLW\ VDIHW\ 7KH
16371637 GHSDUWPHQWV DXWKRULW\ XQGHU WKLV VHFWLRQ LV LQGHSHQGHQW RI DQ\
16381638 FRXUWRUGHUHG FRQGLWLRQ RI VHQWHQFH RU VWDWXWRU\ SURYLVLRQ UHJDUGLQJ
16391639 FRQGLWLRQVIRUFRPPXQLW\FXVWRG\
16401640 G  ,I WKH GHSDUWPHQW LV XQDEOH WR DSSURYH WKH RIIHQGHUV UHOHDVH
16411641 SODQWKHGHSDUWPHQWPD\GRRQHRUPRUHRIWKHIROORZLQJ
16421642 L  7UDQVIHU DQ RIIHQGHU WR SDUWLDO FRQILQHPHQW LQ OLHX RI HDUQHG
16431643 HDUO\ UHOHDVH IRU D SHULRG QRW WR H[FHHG WKUHH PRQWKV 7KH WKUHH
16441644 PRQWKV LQ SDUWLDO FRQILQHPHQW LV LQ DGGLWLRQ WR WKDW SRUWLRQ RI WKH
16451645 RIIHQGHUV WHUP RI FRQILQHPHQW WKDW PD\ EH VHUYHG LQ SDUWLDO
16461646 FRQILQHPHQWDVSURYLGHGLQ5&: $  H 
16471647 LL  3URYLGH UHQWDO YRXFKHUV WR WKH RIIHQGHU IRU D SHULRG QRW WR
16481648 H[FHHG VL[ PRQWKV LI UHQWDO DVVLVWDQFH ZLOO UHVXOW LQ DQ DSSURYHG
16491649 UHOHDVHSODQ
16501650 S +% $ YRXFKHU PXVW EH SURYLGHG LQ FRQMXQFWLRQ ZLWK DGGLWLRQDO
16511651 WUDQVLWLRQ VXSSRUW SURJUDPPLQJ RU VHUYLFHV WKDW HQDEOH DQ RIIHQGHU WR
16521652 SDUWLFLSDWH LQ VHUYLFHV LQFOXGLQJ EXW QRW OLPLWHG WR VXEVWDQFH
16531653 DEXVH WUHDWPHQW PHQWDO KHDOWK WUHDWPHQW VH[ RIIHQGHU WUHDWPHQW
16541654 HGXFDWLRQDOSURJUDPPLQJRUHPSOR\PHQWSURJUDPPLQJ
16551655 H  7KH GHSDUWPHQW VKDOO PDLQWDLQ D OLVW RI KRXVLQJ SURYLGHUV
16561656 WKDW PHHWV WKH UHTXLUHPHQWV RI 5&:   ,I PRUH WKDQ WZR
16571657 YRXFKHU UHFLSLHQWV ZLOO EH UHVLGLQJ SHU GZHOOLQJ XQLW DV GHILQHG LQ
16581658 5&:   UHQWDO YRXFKHUV IRU WKRVH UHFLSLHQWV PD\ RQO\ EH SDLG
16591659 WRDKRXVLQJSURYLGHURQWKHGHSDUWPHQWVOLVW
16601660 I  )RU HDFK RIIHQGHU ZKR LV WKH UHFLSLHQW RI D UHQWDO YRXFKHU
16611661 WKH GHSDUWPHQW VKDOO JDWKHU GDWD DV UHFRPPHQGHG E\ WKH :DVKLQJWRQ
16621662 VWDWH LQVWLWXWH IRU SXEOLF SROLF\ LQ RUGHU WR EHVW GHPRQVWUDWH
16631663 ZKHWKHUUHQWDOYRXFKHUVDUHHIIHFWLYHLQUHGXFLQJUHFLGLYLVP
16641664     $Q RIIHQGHU VHUYLQJ D WHUP RI FRQILQHPHQW LPSRVHG
16651665 XQGHU 5&: $  D  LV QRW HOLJLEOH IRU HDUQHG UHOHDVH FUHGLWV
16661666 XQGHUWKLVVHFWLRQ
16671667 6HF   5&:   DQG  F  V  DUH HDFK DPHQGHG WR
16681668 UHDGDVIROORZV
16691669 $Q\ DQG DOO ODZ HQIRUFHPHQW DJHQFLHV DQG SHUVRQQHO FULPLQDO
16701670 MXVWLFH DWWRUQH\V VHQWHQFLQJ MXGJHV DQG VWDWH DQG ORFDO
16711671 FRUUHFWLRQDO IDFLOLWLHV DQG SHUVRQQHO PD\ EXW DUH QRW UHTXLUHG WR
16721672 JLYH DQ\ DQG DOO RIIHQGHUV HLWKHU ZULWWHQ RU RUDO QRWLFH RU ERWK RI
16731673 WKH VDQFWLRQV LPSRVHG DQG FULPLQDO MXVWLFH FKDQJHV UHJDUGLQJ DUPHG
16741674 RIIHQGHUVLQFOXGLQJEXWQRWOLPLWHGWRWKHVXEMHFWVRI
16751675   )HORQ\ FULPHV LQYROYLQJ DQ\ GHDGO\ ZHDSRQ VSHFLDO YHUGLFW
16761676 XQGHU5&: $  $ 
16771677   $Q\ DQG DOO GHDGO\ ZHDSRQ HQKDQFHPHQWV XQGHU 5&: $
16781678   RU   RU ERWK DV ZHOO DV DQ\ IHGHUDO ILUHDUP DPPXQLWLRQ RU
16791679 RWKHUGHDGO\ZHDSRQHQKDQFHPHQWV
16801680   $Q\ DQG DOO IHORQ\ FULPHV UHTXLULQJ WKH SRVVHVVLRQ GLVSOD\
16811681 RU XVH RI DQ\ GHDGO\ ZHDSRQ DV ZHOO DV WKH PDQ\ LQFUHDVHG SHQDOWLHV
16821682 IRU WKHVH FULPHV LQFOXGLQJ WKH FUHDWLRQ RI WKHIW RI D ILUHDUP DQG
16831683 SRVVHVVLQJDVWROHQILUHDUP
16841684   1HZ SURVHFXWLQJ VWDQGDUGV HVWDEOLVKHG IRU ILOLQJ FKDUJHV IRU
16851685 DOOFULPHVLQYROYLQJDQ\GHDGO\ZHDSRQV DQG
16861686   5HPRYDO RI JRRG WLPH IRU DQ\ DQG DOO GHDGO\ ZHDSRQ
16871687 HQKDQFHPHQWVDQG
16881688 S +%   3URYLGLQJ WKH GHDWK SHQDOW\ IRU WKRVH ZKR FRPPLW ILUVW
16891689 GHJUHH PXUGHU D  7R MRLQ PDLQWDLQ RU DGYDQFH PHPEHUVKLS LQ DQ
16901690 LGHQWLILDEOH JURXS E  DV SDUW RI D GULYHE\ VKRRWLQJ RU F  WR
16911691 DYRLG SURVHFXWLRQ DV D SHUVLVWHQW RIIHQGHU DV GHILQHG LQ 5&:
16921692 $ 
16931693 6HF   5&:   DQG  F  V  DUH HDFK DPHQGHG WR
16941694 UHDGDVIROORZV
16951695   :KHQHYHU DQ\ SHUVRQ LV FRQYLFWHG DV DQ DGXOW LQ WKH FRXUWV RI
16961696 WKLV VWDWH RI D IHORQ\ RIIHQVH FRPPLWWHG XQGHU WKH DJH RI
16971697 HLJKWHHQ    DQG LV FRPPLWWHG IRU D WHUP RI FRQILQHPHQW WKDW
16981698 SHUVRQ VKDOO EH LQLWLDOO\ SODFHG LQ D IDFLOLW\ RSHUDWHG E\ WKH
16991699 GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV 7KH GHSDUWPHQW RI
17001700 FRUUHFWLRQVVKDOOGHWHUPLQHWKHSHUVRQVHDUQHGUHOHDVHGDWH
17011701 D  :KLOH LQ WKH FXVWRG\ RI WKH GHSDUWPHQW RI FKLOGUHQ \RXWK
17021702 DQG IDPLOLHV WKH SHUVRQ PXVW KDYH WKH VDPH WUHDWPHQW KRXVLQJ
17031703 RSWLRQV WUDQVIHU DQG DFFHVV WR SURJUDP UHVRXUFHV DV DQ\ RWKHU
17041704 SHUVRQ FRPPLWWHG WR WKDW MXYHQLOH FRUUHFWLRQDO IDFLOLW\ RU
17051705 LQVWLWXWLRQ SXUVXDQW WR FKDSWHU   5&:  ([FHSW DV SURYLGHG XQGHU
17061706 G  RI WKLV VXEVHFWLRQ WUHDWPHQW SODFHPHQW DQG SURJUDP GHFLVLRQV
17071707 VKDOO EH DW WKH VROH GLVFUHWLRQ RI WKH GHSDUWPHQW RI FKLOGUHQ \RXWK
17081708 DQG IDPLOLHV 7KH SHUVRQ VKDOO QRW EH WUDQVIHUUHG WR WKH FXVWRG\ RI
17091709 WKH GHSDUWPHQW RI FRUUHFWLRQV ZLWKRXW WKH DSSURYDO RI WKH GHSDUWPHQW
17101710 RI FKLOGUHQ \RXWK DQG IDPLOLHV XQWLO WKH SHUVRQ UHDFKHV WKH DJH RI
17111711 WZHQW\ILYH   
17121712 E  ,I WKH SHUVRQV VHQWHQFH LQFOXGHV D WHUP RI FRPPXQLW\
17131713 FXVWRG\ WKH GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV VKDOO QRW
17141714 UHOHDVH WKH SHUVRQ WR FRPPXQLW\ FXVWRG\ XQWLO WKH GHSDUWPHQW RI
17151715 FRUUHFWLRQV KDV DSSURYHG WKH SHUVRQV UHOHDVH SODQ SXUVXDQW WR 5&:
17161716 $    E  ,I D SHUVRQ LV KHOG SDVW KLV RU KHU HDUQHG
17171717 UHOHDVH GDWH SHQGLQJ UHOHDVH SODQ DSSURYDO WKH GHSDUWPHQW RI
17181718 FKLOGUHQ \RXWK DQG IDPLOLHV VKDOO UHWDLQ FXVWRG\ XQWLO D SODQ LV
17191719 DSSURYHG RU WKH SHUVRQ FRPSOHWHV WKH RUGHUHG WHUP RI FRQILQHPHQW
17201720 SULRUWRDJH WZHQW\ILYH   
17211721 F  ,I WKH GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV GHWHUPLQHV
17221722 WKDW UHWDLQLQJ FXVWRG\ RI WKH SHUVRQ LQ D IDFLOLW\ RI WKH GHSDUWPHQW
17231723 RI FKLOGUHQ \RXWK DQG IDPLOLHV SUHVHQWV D VLJQLILFDQW VDIHW\ ULVN
17241724 WKH GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV PD\ WUDQVIHU WKH
17251725 SHUVRQWRWKHFXVWRG\RIWKHGHSDUWPHQWRIFRUUHFWLRQV
17261726 S +% G  7KH GHSDUWPHQW RI FRUUHFWLRQV PXVW UHWDLQ DXWKRULW\ RYHU
17271727 FXVWRG\ GHFLVLRQV UHODWLQJ WR D SHUVRQ ZKRVH HDUQHG UHOHDVH GDWH LV
17281728 RQ RU DIWHU WKH SHUVRQV WZHQW\ILIWK  WK  ELUWKGD\ DQG ZKR LV
17291729 SODFHG LQ D IDFLOLW\ RSHUDWHG E\ WKH GHSDUWPHQW RI FKLOGUHQ \RXWK
17301730 DQG IDPLOLHV XQGHU WKLV VHFWLRQ XQOHVV WKH SHUVRQ TXDOLILHV IRU
17311731 SDUWLDO FRQILQHPHQW XQGHU 5&:   DQG PXVW DSSURYH DQ\ OHDYH
17321732 IURP WKH IDFLOLW\ :KHQ WKH SHUVRQ WXUQV DJH WZHQW\ILYH    KH
17331733 RU VKH PXVW EH WUDQVIHUUHG WR WKH GHSDUWPHQW RI FRUUHFWLRQV H[FHSW
17341734 DV GHVFULEHG XQGHU 5&:   7KH GHSDUWPHQW RI FKLOGUHQ \RXWK
17351735 DQG IDPLOLHV KDV DOO URXWLQH DQG GD\WRGD\ RSHUDWLRQV DXWKRULW\ IRU
17361736 WKHSHUVRQZKLOHWKHSHUVRQLVLQLWVFXVWRG\
17371737  D  ([FHSW DV SURYLGHG LQ E  DQG F  RI WKLV VXEVHFWLRQ D
17381738 SHUVRQ XQGHU WKH DJH RI HLJKWHHQ    ZKR LV WUDQVIHUUHG WR WKH
17391739 FXVWRG\ RI WKH GHSDUWPHQW RI FRUUHFWLRQV PXVW EH SODFHG LQ D KRXVLQJ
17401740 XQLW RU D SRUWLRQ RI D KRXVLQJ XQLW WKDW LV VHSDUDWHG IURP RWKHU
17411741 SHUVRQV LQ FXVWRG\ ZKR DUH HLJKWHHQ    \HDUV RI DJH RU ROGHU
17421742 XQWLOWKHSHUVRQUHDFKHVWKHDJHRI HLJKWHHQ   
17431743 E  $ SHUVRQ ZKR LV WUDQVIHUUHG WR WKH FXVWRG\ RI WKH GHSDUWPHQW
17441744 RI FRUUHFWLRQV DQG UHDFKHV HLJKWHHQ    \HDUV RI DJH PD\ UHPDLQ LQ
17451745 D KRXVLQJ XQLW IRU SHUVRQV XQGHU WKH DJH RI HLJKWHHQ    LI WKH
17461746 VHFUHWDU\ RI FRUUHFWLRQV GHWHUPLQHV WKDW L  7KH SHUVRQV QHHGV DQG
17471747 WKH UHKDELOLWDWLRQ JRDOV IRU WKH SHUVRQ FRXOG FRQWLQXH WR EH EHWWHU
17481748 PHW E\ WKH SURJUDPV DQG KRXVLQJ HQYLURQPHQW WKDW LV VHSDUDWH IURP
17491749 RWKHU SHUVRQV LQ FXVWRG\ ZKR DUH HLJKWHHQ    \HDUV RI DJH DQG
17501750 ROGHU DQG LL  WKH SURJUDPV RU KRXVLQJ HQYLURQPHQW IRU SHUVRQV XQGHU
17511751 WKH DJH RI HLJKWHHQ    ZLOO QRW EH VXEVWDQWLDOO\ DIIHFWHG E\ WKH
17521752 FRQWLQXHG SODFHPHQW RI WKH SHUVRQ LQ WKDW HQYLURQPHQW 7KH SHUVRQ PD\
17531753 UHPDLQ SODFHG LQ D KRXVLQJ XQLW IRU SHUVRQV XQGHU WKH DJH RI
17541754 HLJKWHHQ    XQWLO VXFK WLPH DV WKH VHFUHWDU\ RI FRUUHFWLRQV
17551755 GHWHUPLQHV WKDW WKH SHUVRQV QHHGV DQG JRDOV DUH QR ORQJHU EHWWHU PHW
17561756 LQ WKDW HQYLURQPHQW EXW LQ QR FDVH SDVW WKH SHUVRQV WZHQW\ILIWK 
17571757 WK ELUWKGD\
17581758 F  $ SHUVRQ WUDQVIHUUHG WR WKH FXVWRG\ RI WKH GHSDUWPHQW RI
17591759 FRUUHFWLRQV ZKR LV XQGHU WKH DJH RI HLJKWHHQ    PD\ EH KRXVHG LQ
17601760 DQ LQWHQVLYH PDQDJHPHQW XQLW RU DGPLQLVWUDWLYH VHJUHJDWLRQ XQLW
17611761 FRQWDLQLQJ RIIHQGHUV HLJKWHHQ    \HDUV RI DJH RU ROGHU LI LW LV
17621762 QHFHVVDU\ IRU WKH VDIHW\ RU VHFXULW\ RI WKH RIIHQGHU RU VWDII ,Q
17631763 WKHVH FDVHV WKH RIIHQGHU PXVW EH NHSW SK\VLFDOO\ VHSDUDWH IURP RWKHU
17641764 RIIHQGHUVDWDOOWLPHV
17651765 S +%   7KH GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV PXVW UHYLHZ
17661766 WKH SODFHPHQW RI D SHUVRQ RYHU DJH WZHQW\RQH    LQ WKH FXVWRG\
17671767 RI WKH GHSDUWPHQW RI FKLOGUHQ \RXWK DQG IDPLOLHV XQGHU WKLV VHFWLRQ
17681768 WR GHWHUPLQH ZKHWKHU WKH SHUVRQ VKRXOG EH WUDQVIHUUHG WR WKH FXVWRG\
17691769 RI WKH GHSDUWPHQW RI FRUUHFWLRQV 7KH GHSDUWPHQW RI FKLOGUHQ \RXWK
17701770 DQG IDPLOLHV PD\ GHWHUPLQH WKH IUHTXHQF\ RI WKH UHYLHZ UHTXLUHG XQGHU
17711771 WKLV VXEVHFWLRQ EXW WKH UHYLHZ PXVW RFFXU DW OHDVW RQFH EHIRUH WKH
17721772 SHUVRQ UHDFKHV DJH WZHQW\WKUHH    LI WKH SHUVRQV FRPPLWPHQW
17731773 SHULRG LQ D MXYHQLOH LQVWLWXWLRQ H[WHQGV EH\RQG WKH SHUVRQV
17741774 WZHQW\WKLUG  UG ELUWKGD\
17751775 1(: 6(&7,21   6HF   7KH IROORZLQJ DFWV RU SDUWV RI DFWV DUH
17761776 HDFKUHSHDOHG
17771777   5&: $  6SHFLDO DOOHJDWLRQ ² ,QYROYLQJ PLQRU LQ IHORQ\
17781778 RIIHQVH ² 3URFHGXUHV DQGFVDQG
17791779   5&:   9LRODWLRQV FRPPLWWHG LQ RU RQ FHUWDLQ SXEOLF
17801780 SODFHV RU IDFLOLWLHV ² $GGLWLRQDO SHQDOW\ ² 'HIHQVHV ² &RQVWUXFWLRQ ²
17811781 'HILQLWLRQV DQGFVFV FV
17821782 1(: 6(&7,21   6HF   6HFWLRQ  RI WKLV DFW H[SLUHV -DQXDU\ 
17831783 
17841784 1(: 6(&7,21   6HF   6HFWLRQ  RI WKLV DFW WDNHV HIIHFW
17851785 -DQXDU\
17861786 (1'
17871787 S +%