& /$66,),('6
7XHVGD\-XQH3DJH
+RPHVIRU6DOH
3HQGOHWRQ

+RPHVIRU6DOH
3HQGOHWRQ

+RPHVIRU6DOH
3HQGOHWRQ

+RPHVIRU6DOH
2WKHU$UHDV
$&5(6 ZLWK
ERQXV UHQWDO KRPH

EHG
Z EDWK KRPH
VPDOOHU
PDQXIDF
WXUHG UHQWDO KRPH WR
KHOSZLWK\RXUILQDQF
LQJ6HOOHUPD\FDUU\
&DOO .HUU\ WR WRXU

7851+(5(
5($/7<75$9(/

)6%2
1257+ +LOO EHG
URRP EDWKURRP
VTIW ORWV
SRRO EHDXWLIXO YLHZ
GUHDP
ORFDWLRQ

3HQGOHWRQ
%$.(5 &2817<
.HDWLQJ 9DOOH\ 25
DFRIZKLFK
DUHLUULJDWHGZLWK
FHQWHU SLYRWV DQG
ZKHHOOLQHV DF
RIUDQJH0DLQKRPH
EDUQDQG
OLYHVWRFN DPHQLWLHV

7KH:KLWQH\/DQG
&RPSDQ\

3$12
5$0,& &LW\ 9LHZV
1HZHU EHGURRP
EDWK ([FHOOHQW FRQ
GLWLRQ 2SHQ &RQ
FHSW9DXOWHG&HLOLQJ
0DVWHU 6XLWH )UHQFK
GRRUV RSHQ WR GHFN
59 3DUNLQJ &DOO
0DWW
9RJOHU

0/6
-RKQ-+RZDUG
$VVRFLDWHV

(48$/+286,1*
23325781,7<
$OO UHDO HVWDWH DGYHU
WLVLQJ LQ WKLV QHZVSD
SHU LV VXEMHFW WR WKH
)DLU +RXVLQJ $FW
ZKLFK PDNHV LW LOOHJDO
WR DGYHUWLVH DQ\ SUHI
HUHQFH OLPLWDWLRQ RU
GLVFULPLQDWLRQ EDVHG
RQ UDFH FRORU UHOLJ
LRQVH[KDQGLFDSID
PLOLDO VWDWXV RU QD
WLRQDO RULJLQ RU DQ LQ
WHQWLRQ WR PDNH DQ\
VXFK SUHIHUHQFH OLPL
WDWLRQ RU GLVFULPLQD
WLRQ )DPLOLDO VWDWXV
LQFOXGHV FKLOGUHQ XQ
GHU WKH DJH RI OLY
LQJ ZLWK SDUHQWV RU OH
JDO FXVWRGLDQV SUHJ
QDQWZRPHQDQGSHR
SOH VHFXULQJ FXVWRG\
RIFKLOGUHQXQGHU
7KLV QHZVSDSHU ZLOO
QRW NQRZLQJO\ DFFHSW
DQ\ DGYHUWLVLQJ IRU
UHDO HVWDWH ZKLFK LV LQ
YLRODWLRQ RI WKH ODZ
2XU UHDGHUV DUH
KHUHE\ LQIRUPHG WKDW
DOO GZHOOLQJV DGYHU
WLVHG LQ WKLV QHZVSD
SHU DUH DYDLODEOH RQ
DQ HTXDO RSSRUWXQLW\
EDVLV 7R FRPSODLQ RI
GLVFULPLQDWLRQ
FDOO
+8'
WROOIUHH
DW
7KH
WROOIUHH
WHOHSKRQH
QXPEHU IRU WKH KHDU
LQJ
LPSDLUHG
LV

(;&(//(1&( '(
6&5,%(6
WKLV
EGUP
EDWK
KRPH ZLWK %UD]LOLDQ
7HDN
+DUGZRRG
)ORRUV
&XVWRP
.LWFKHQ Z 2YHQV
(QHUJ\
(IILFLHQW
+DQGLFDS $FFHVVL
EOH VI KHDWHG
JDUDJH &LW\ DQG
0RXQWDLQ
9LHZV
722 08&+ 72
/,67 0DWW 9RJOHU

0/6
-RKQ-+RZDUG
$VVRFLDWHV

)5(( %8<(56 DQG
6HOOHUV &RQVXOWDWLRQ
GLVFXVVLQJ
³+RZ
0XFK LV \RXU +RPH
:RUWK"´ DQG 1R
0RQH\ 'RZQ 3UR
JUDPV IRU %X\HUV
&DOO0DWW9RJOHU7KH
:HHNHQG $IWHU
+RXUV
5HDOWRU

-RKQ-+RZDUG
$VVRFLDWHV

/$1'6&$3(' $1'
UHDG\ ZLWK ODUJH FDU
SRUW DQG RIIVWUHHW
SDUNLQJ ZLWK D ZHO
FRPLQJ EHG EDWK
KRPH
)ORRUSODQ JLYHV ZRQ
GHUIXO XVH RI WKLV
KRPH
&DOO .HUU\ IRU \RXU
WRXU RI WKLV DQG DQ\
KRPHRQ\RXUOLVW
7851+(5(
5($/7<75$9(/

1(: +20(6 SUR
YLGH
H[FHOOHQW
9$/8(
0LQLPDO
0DLQWHQDQFH )HZHU
5HSDLUV (QHUJ\ (IIL
FLHQF\ EHGURRP
EDWK 6W\OLVK )LQ
LVKHV 9DXOWHG &HLO
LQJ
'HFN
&LW\
9LHZV
:DV
1RZ
0DWW 9R
JOHU
0/6
-RKQ-+RZDUG
$VVRFLDWHV

2YHU
+RPHVIRU6DOH
ZZZHDVW
RUHJRQUHDO
HVWDWHFRP
3HQGOHWRQ

%('5220
%$7+
(1(5*<
()),&,(17
0$5
/(77( 1HZ SDLQW
FDUSHWIORRULQJ1HZ
NLWFKHQ VLQN IDXFHWV
GLVSRVDO 1HZ WRL
OHWV
+2WDQN
ZDONLQ
VKRZHU
'HFN &LW\ YLHZV
0DUVKD
FHOO

&ROGZHOO%DQNHU
:KLWQH\

( $67(51 2 5(*21 0 $5.(73/$&(
‡‡)$;
/RWV

(PSOR\PHQW
3HQGOHWRQ/RWV
+$5' 72 ILQG IODW
EXLOGLQJ ORW DFUH
%XLOG D KRPH RU
PDQXIDFWXUHG KRPH
RQ WKLV 6HPL3ULYDWH
ORW IUXLW WUHHV XWLOLWLHV
DYDLODEOH 2ULJLQDOO\
SULFHG DW
QRZ
-RKQ-+RZDUG
$VVRFLDWHV

%('5220
%$7+ 1RUWK +LOO
KRPH %DVHPHQW
ZODXQGU\ 8SGDWHG
EDWK DQG ODQGVFDSH
&ORVHWRVFKRROVDQG
VKRSSLQJ -HUU\
3HQGOHWRQ
FHOO

*5($7
%('
&ROGZHOO%DQNHU
5220 +20( ZRI
:KLWQH\
9,(: /276 ± 5R\DO
ILFH IDPLO\ URRP
ORW SURSHUW\ WUHHV
*,//,$0 &2817< 5LGJH 9DULRXV VL]H
VWDUWLQJ
DW
YLHZV$FFHVV WR XS 7851+(5( IRULQ $UOLQJWRQ25±5DUH ORWV
SHU DUHD FDU JD 23325781,7< UXUDO
LQYHVWPHQW 9DULRXV
IRU
UDJH +RPH ZDU 7D[ORWVLQFXOGHVDF SURSHUW\ RI FRQILJXUDWLRQV
UDQW\ 6HOOHU OL IRU VLQJOH SULFH RI GU\ODQG FURS &53 PRVW KRPH SODQV
FHQVHG %URNHU2UH 6HOOHU ZLOO SDVWXUHDQGZLQGWXU DYDLODEOH7KHVHDUH
JRQ

'DZQ FDUU\ ILQDQFLQJ ZLWK ELQHV DF FXU KLOOVLGH ORWV &XVWRP
DFFHSWDEOH GRZQ UHQWO\ VHHGHG WR KRPH EXLOGHUV ZHO
FHOO
KRPHV LPPHGLDWHO\ ZKHDW DF LQ FRPH &DOO IRU GH

UHQWDEOHQHHG7/& &53 Z \UV UH WDLOV
&ROGZHOO%DQNHU
5RFN\0LNHVHOO
RIIHULQJ
SRWHQWLDO PDLQLQJ DF RI
:KLWQH\
,QYHVW UDQJH DQG ZLQG %OXH-HDQV5HDOW\

PHQW2SSRUWXQLW\
WXUELQHV DOO FRQWULE
3HQGOHWRQ
7XUQ XWHWRWKHGLYHUVLW\RI
%XVLQHVV
%5 +HUH5HDOW\
WKLV LQYHVWPHQW OR
%DWKRQHFDUJDUDJH
2SSRUWXQLWLHV

7851+(5(
FDWHG
LQ
QRUWK
&HQ
LQ 6KHUZRRG DUHD 5($/7<75$9(/
WUDO
2UHJRQ
5HPRGHOHG LQWHULRU
FODVVLILHGV#

ZLWK .LWFKHQ ,VODQG
KHUPLVWRQKHUDOG
7KH:KLWQH\/DQG
80$7,//$
%ULQJ RIIHUV &DOO
FRP
&RPSDQ\
3HQGOH
6FRWW &2817<
&DOO

WRQ 25 ± $XWR GH
50/6
$VNIRU3DXOD
WDLOSDLQWVKRSVWRU
*DUWRQ
RU(PDLOXV
1(:
/,67,1*
DJH XQLWV VI
$VVRFLDWHV
50/6

VKRS ZLWK SDLQW

63/,7
ERRWK DGD UHVWURRP
6HHNLQJ
3HQGOHWRQ
DQG DZQLQJ HD /(9(/ +20(
6XEVWLWXWH

ތ[ތ VWRUDJH XQLWV %('5220
*5($7 63$&( RQFLW\IHQFHGORWV %$7+ :,7+ )$0,/<
&DUULHUV
&21',7,21 EHG 3HUIHFWIRURZQHURS 5220 /$5*( ,I ZH GRQތW KDYH
(1'
2)
URRP EDWK JDV HUDWRU RU ZRUNHU /27
QHZVSDSHU
+9$&
ILUHSODFH RSHUDWLRQ 3RVVLEOH 675((7 &$// .$/ WKH
URXWH \RX ZDQW RU
)UHVKO\ SDLQWHG QHZ OHDVH RU OHDVHSXU
*DUWRQ
\RX GRQތW ZDQW D
IORRULQJ 'RXEOH JD FKDVH
DYDLODEOH
$VVRFLDWHV
UDJH QLFH \DUG
SHUPDQHQW 5RXWH

Z8*6 9LFNL 7KH:KLWQH\/DQG
\HW\RXDUHZLOOLQJ
FHOO
&RPSDQ\
WR EH D VXEVWLWXWH
1(:
/,67,1*

50/6 FDUULHU"
&ROGZHOO%DQNHU
/HWXVNQRZ

63/,7
:+((/(5
:KLWQH\
&2817< 7ZLFNHQ /(9(/ +20( :H KDYH D QHHG

IRU VXEVWLWXWH FDU
KDP 25 ± %('5220
3HQGOHWRQ
GHHGHG DF ZLWK %$7+ :,7+ )$0,/< ULHUVLQDOODUHDV

%/0 DF RI 5220 /$5*(

029(,1
&21', JUD]LQJ DOORWPHQWV /27
(1'
2)
7,21 EHGEDWK DF RI LUULJDWHG 675((7 &$// .$/
ZLWK ODUJH GHFN DQG ERWWRPV PLOHV
&KLOG&DUH

EDFN\DUG ZLWK D RI -RKQ 'D\ 5LYHU
*DUWRQ
YLHZ 'RXEOH JD IURQWDJH +XQWLQJ IRU
$VVRFLDWHV
3529,'(5+$6
UDJH 59 SDUNLQJ GHHU

HON XSODQG
RSHQLQJVIRUDQG
'RUL
ELUGV ZDWHUIRZO DQG
XSLQ6KHUZRRG
FHOO
/,67,1*
0RXIORQ VKHHS ZLWK 1(:
DUHDEORFN
&ROGZHOO%DQNHU
/23
WDJV 50/6
IURPVFKRRO
:KLWQH\
%('

7KH:KLWQH\/DQG 5220 %$7+
&20( 7$.( $
&RPSDQ\
3HQGOHWRQ
/22.

&$// (PSOR\PHQW

/$5*(
6&277
%5 EDWK KRPH +RPHVIRU6DOH

ZLWK VT IW 2WKHU$UHDV
*DUWRQ
GHWDFKHG
JDUDJH
&$//3$8/$$7
$VVRFLDWHV
VWRUDJH
EXLOGLQJ ± %HG
7+((225

RYHUVL]HGORW
URRP %DWK +RPH
+(5$/'
1LFH SDWLR &DOO RQ 7D[ /RWV 1(:

/,67,1*
1(:63$3(56
6KDQH
)HQFHG <DUG 'H 50/6

WDFKHG RXWEXLOGLQJV %('
72'$<
50/6
LQFOXGLQJ ODUJH JD 5220 %$7+

*DUWRQ
UDJH /RWV RI 3RVVL &20( 7$.( $
$VVRFLDWHV
ELOLWLHV 1LFH 3URS /22.

&$//

HUW\

0/6 6&277
:HFDQQRZSXW

KLJKOLJKWLQJLQ

3HQGOHWRQ
5RFN\0LNHVHOO
*DUWRQ
\RXUDGLQ

%OXH-HDQV5HDOW\
$VVRFLDWHV
*5($7 9,(::21
GLIIHUHQWFRORUV

'(5)8/
/2&$
%OXH&\DQ*UHHQ
7,21EORFNVIURP ± %HG
0DJHQWD5HG
0DLQ
6WUHHW URRP %DWK 0)* 3LORW5RFN
%HGURRP
%ULGJH5LYHU :DON +RPH

<HOORZ
RQ $FUH %DWK FDU JD
EHGURRPV ZRIILFH %HDXWLIXO IORRU SODQ
&DOO3DXOD#
UDJH )HQFHG \DUG
KDUGZRRG
IORRUV ތ&HLOLQJVFDUJD

WR
1HZHU URRI HOHFWUL UDJH &HQWUDO +HDW *DUGHQ DUHD 9LQ\O
SODFH\RXU
FDO 'HFN LQ EDFN DQG$LU &RQGLWLRQLQJ :LQGRZV 3DUWLDO
IRXQGDWLRQ ,QYHVW
\DUG JDUDJH -HI *RUJHRXV
FODVVLILHGDG
9LHZ PHQWSURSHUW\&DVK

0/6
72'$<
VDOH RQO\ 0/6

5RFN\0LNHVHOO

&ROGZHOO%DQNHU
%OXH-HDQV5HDOW\
5RFN\0LNHVHOO
:KLWQH\

%OXH-HDQV5HDOW\

5RFN\0LNHVHOO

%OXH-HDQV5HDOW\
3HQGOHWRQ

50/6

$77(17,21 72 '( (;(&8 &87((1*/,6+78
7$,/6 9HU\ ZHOO 7,9( %XLOGLQJ 6LWH '2567</(+20(
PDLQWDLQHG
6KHU DFUHV RYHUORRN 21 /2:(5 1257+
ZRRG EHG EDWK LQJ WKH &ROXPELD +,// %5 %$7+
ZDWWDFKHG VDORQ RU 5LYHU 1HZO\ OHYHOHG :,7+),5(3/$&(
<$5'
LQKRPH RIILFH 8S DQG VHHGHG VXELUUL /29(/<
GDWHV
WKURXJKRXW JDWHG

SDVWXUH ZLWK D 35,&(' 72 6(//
&$//
)$*
KHDW&$ SRQG DQG ZHOOV 7KH

)HQFHG ZGRJ UXQ FRUQHU RI 3OHDVDQW &$7+<
8*6 *OHQQ 9LHZ /DQH DQG 5LOLH
*DUWRQ

/DQH
50/6

$VVRFLDWHV

&ROGZHOO%DQNHU
*DUWRQ
:KLWQH\
$VVRFLDWHV
$FUHDJHV

3HQGOHWRQ
$'$06 ± DFUHV

$77(17,21
72 FORVH WR WRZQ )ODW
IRU EXLOGLQJ
$&5(6 :,7+ (9(5<
'(7$,/ SURSHUW\

VIPO EHG +20( :$55$17< %ULQJ \RXU KRUVHV
EDWK KRPH SHUIHFW /RYLQJO\
UHVWRUHG DQGEXLOG\RXUKRPH
ULQJ DQG EDUQ KHUH
PLQLIDUPOD\RXW$F PDLQWDLQHG
FHVV WR 8PDWLOOD VIPO EHG 0/6
5RFN\0LNHVHOO
5LYHU SHUIHFW IRU EDWKXSGDWHGFKHUU\
KRUVHVDQGOLYHVWRFN WLOH NLWFKHQ *DV %OXH-HDQV5HDOW\

.HYLQ
ILUHSODFH
ZRUQDWH
FHOO
PDQWOH
'HEL
$&5( 0RXQ

WDLQ +RPHVLWHV /R
&ROGZHOO%DQNHU

FDWHG
QHDU
:KLWQH\
&ROGZHOO%DQNHU
0HDFKDP (DV\

:KLWQH\
FRPPXWH WR 3HQGOH

3HQGOHWRQ
WRQ RU /D*UDQGH

7+( IURP \RXU PRXQWDLQ
+,6725,&$/
5DQFK &DIp 7KH KRPH <HDU URXQG
1257+
+,// %DUQKDUWH[LWLVJRLQJ DFFHVV &DOO IRU GH
&5$)760$1 WR KDSSHQ /RWV RI WDLOV
VI PO EHGURRP GHYHORSPHQW SRVVL
5RFN\0LNHVHOO
SOXV VWXG\ 5HPRG ELOLWLHV
%OXH-HDQV5HDOW\
HOHG
EDWKURRPV 50/6

ODUJH
XSGDWHG
*DUWRQ
NLWFKHQ1HZO\ODQG
$VVRFLDWHV
3HQGOHWRQ
VFDSHG \DUG RQ GRX

5('8&(' 12:
EOH ORW 1HZ OHYHO
/RFDWHG
0$18)$&
GHFN
&DUL
RII +:< 6 WKLV
785('
KRPHSHU
FHOO
$& KDV D
PDQHQWO\VHFXUHGWR
&ROGZHOO%DQNHU
QHZHU ZHOO 1HDU
FRQFUHWHIRXQGDWLRQ
:KLWQH\
QHZ KRVSLWDO ODE
RQD$FZLWKWRRO

VKHG9$DSSURYHG FOLQLF6ZHOOSODFHIRU
WKDW QHZ KRPH
)ORRG,QV1RW5H
3HQGOHWRQ
0/6
5$1 TXLUHGEHGEDWK
&$//0$5*(/$33
&+(77( /RFDWHG IRUPDOGLQQLQJUP
3HQGOHWRQ
RQ DFPO :D IXOO\ORDGHGNLWFKHG
6RXWKJDWH5HDOW\
IDPLO\GLQLQJDUHD
WHU ULJKWV *UHDW IRU

ODXQGU\UP$OO
KRUVHV FDWWOH HWF
IHQFHGLQQLFHORFD
)HQFHG
RXWEXLOG
&RPPHUFLDO
LQJV EHGURRP WLRQIRUSULYDF\YHU\
3URSHUW\

TXLHW
KRPHZLWKRSHQIORRU
.
SODQ ILUHSODFHV
±
2YHUVL]H GRXEOH JD 6:'HOZRRG6W 6T )W :DUHKRXVH
3LORW5RFN
UDJH ZLWK VKRS
ZLWK6T)W2I

ODUJHHTXLSPHQWVWRU
ILFH DUHD /DUJH

DJH
DUHD ZLWK RYHU
IHQFHGORWIRURXWVLGH

KHDG GRRU 1HDU
VWRUDJH RU SDUNLQJ
%8<,76(//,7
0F.D\ 'DP &DOO
/RWV RI SRVVLELOLWLHV
0DUJH
/DSS
6HFOXGHG
DUHD

),1',7
0/6
0/6
(DVW2UHJRQLDQ&ODVVLILHG
3HQGOHWRQ
5RFN\0LNHVHOO
6RXWKJDWH5HDOW\
%OXH-HDQV5HDOW\

&$5(*,9(5
1HHGHG3DUW7LPH

(17(572
:LQDJUDQG
SUL]H7DNH
RXUVXUYH\DW
ZZZSXOVHSROOFRP
DQGWHOOXVDERXW
\RXUPHGLDXVDJH
DQGVKRSSLQJ
SODQV<RXULQSXW
ZLOOKHOSWKLVSDSHU
KHOSORFDO
EXVLQHVVHV
7KDQN\RX
+,*+/<
027,9$7('
)4+&ORRNLQJIRUD
511XUVLQJ
'LUHFWRU1R
ZHHNHQGV
QRFDOOQR
KROLGD\V&RQWDFW
$PDQGDDW

$GPLQDVVW#FUFKVQHW
,1+20(&$5(
DJHQF\LVORRNLQJ
IRUIXOOWLPHDQG
SDUWWLPHFOLQLFDO
VWDIILQWKH
+HUPLVWRQ25
DUHDWKDWDUH
PRWLYDWHGFDULQJ
DQGHQHUJHWLF
3RVLWLRQVDYDLODEOH
DUHIXOOWLPH51
DQG&1$DQG
SDUWWLPH51DQG
/316LJQRQ
ERQXVHVDQG
LQVXUDQFHEHQHILWV
DYDLODEOH,I
LQWHUHVWHGSOHDVH
FDOO
./,1(
/$1'6&$3(
,55,*$7,21,6
+,5,1*)25
/DQGVFDSH
ODERUHUV
0XVWKDYHDYDOLG
GULYHU
VOLFHQVH
H[SHULHQFHDVD
ODQGVFDSHODERUHU
UHOLDEOH
WUDQVSRUWDWLRQ
VWURQJZRUNHWKLF
+RXUV
0RQGD\±)ULGD\
DP±SP
&RPSHQVDWLRQLV
KLJKO\FRPSHWLWLYH
DQGGHSHQGHQW
XSRQH[SHULHQFH
7RDSSO\FDOO

1(('522)(56
3$,17(56
0867+$9(9$/,'
'5,9(56/,&(16(
&DOO
$VNIRU-RH
FHOO
1,(/621(<(
&DUHLQ:DOOD:DOOD
QRZKLULQJIXOOWLPH
2SWLFLDQ2SWLFDO
0DQDJHU )ULHQGO\
RIILFHUHJXODU
ZHHNGD\KRXUV
FRPSHWLWLYH
FRPSHQVDWLRQ
6HQGFRYHU
OHWWHUDQG
UHVXPHE\
WRKU#QLHOVRQ
H\HFDUHFRP
(PSOR\PHQW
%XLOGLQJ0DWHULDOV
0LVFHOODQHRXV
216,7(5($/725
:$17('
,QWHUHVWHGLQPDNLQJ
ORWVRIFDVKZKLOHVWLOO
GRLQJWKHWKLQJV\RX
ORYH"&RQWDFW0RQ
WH9LVWD+RPHVNHO
OLH#PWYLVWDKRPHVF
RP1ROLFHQVH":H
FDQZRUNZLWK\RX
%8,/',1*32'6 IRU
VDOH&DQEHXVHGLQ
GLYLGXDOO\ RU WRJHWKHU
WRPDNHDODUJHXQLW
)7[)7[)7
$OO 6WHHO VWUXFWXUH
ZLWK PDQGRRUV RQ
HQGV

´6(,., 79
DOPRVWQHZ

3HQGOHWRQ
25(*21
+($/7+
$87+25,7<
0HQWDO+HDOWK
5HJLVWHUHG1XUVH±
3HQGOHWRQ25
7KHUHDUHWZR
IXOOWLPH³IORDW´
SHUPDQHQWSRVL
WLRQVORFDWHGLQ
3HQGOHWRQ
:HVWJDWH

0RQWKO\
6DODU\7KH2UHJRQ
+HDOWK$XWKRULW\
2+$LVDVWDWH
DJHQF\GHGLFDWHG
WRKHOSLQJSHRSOH
DQGFRPPXQLWLHV
DFKLHYHRSWLPXP
SK\VLFDOPHQWDO
DQGVRFLDO
ZHOOEHLQJWKURXJK
SDUWQHUVKLSV
SUHYHQWLRQDQG
DFFHVVWRTXDOLW\
DIIRUGDEOHKHDOWK
FDUH)RUPRUH
LQIRUPDWLRQ
RQMRE
UHTXLUHPHQWV
TXDOLILFDWLRQVRUWR
DSSO\RQOLQHJRWR
ZZZRUHJRQMREVRU
JDQGVHDUFKIRU
MRESRVWLQJ
2+$D
7KLVDQQRXQFH
PHQWLVRSHQXQWLO
-XQHWKDW
SP(2(
3(1'/(721
3DUWWLPH
,QVWLWXWLRQDO
5HVHDUFK
5HSRUWLQJ6SHFLDOLVW
)RUGHWDLOHG
LQIRUPDWLRQDQG
DSSOLFDWLRQ
PDWHULDOVYLVLWZZZ
EOXHFFHGX&OLFNRQ
(PSOR\PHQWDQG
ORFDWHWKHSRVLWLRQRI
LQWHUHVW<RXPD\
DOVRFRQWDFW+XPDQ
5HVRXUFHVDW
KU#EOXHFFHGXRUE\
SKRQH

%0&&LVDQ
(2(DQG
SDUWLFLSDWHVLQ
(9HULI\
7+(($67
25(*21,$1
QHZVSDSHUKDVD
)81'5$,6(5
23325781,7<
)25<28
<RXFDQHDUQ
PRQH\IRU\RXU
RUJDQL]DWLRQ
\RXWKJURXSHWF
&DOO0DUF\DWWKH
(2
#
([WIRUPRUH
LQIRUPDWLRQ
www.eastoregonrealestate.com
Eastern Oregon
R eal E state
& H om ebu ilders G u ide
0LVFHOODQHRXV
(17(572
:LQDJUDQG
SUL]H(QWHUWRZLQ
7DNHRXUVXUYH\DW
ZZZSXOVHSROOFRP
DQGWHOOXVDERXW
\RXUKRXVHKROG
VKRSSLQJSODQVDQG
PHGLDXVDJH<RXU
LQSXWZLOOKHOSXV
LPSURYHWKHSDSHU
DQGJHWWKHDGYHU
WLVLQJVSHFLDOV\RX
ZDQW7KDQN\RX
(PSOR\PHQW
63$$1'
VZLPPLQJSRROSDUWV
DFFHVVRULHVIRU
VDOH&DOO
RUVWRSE\
6:WK6W
3HQGOHWRQ
9HKLFOHV

&+(952/(7
,PSDOD&RQYHUWLEOH
7X[HGR%ODFN
IDFWRU\FLG9
KS3RZHUJOLGH
$LU&RQGLWLRQLQJ

DQQV#JPDLOFRP

%8<,76(//,7
),1',7
(DVW2UHJRQLDQ&ODVVLILHG

(PSOR\PHQW
&86720(56(59,&(
5(35(6(17$7,9(&$6+,(5&/(5.
+(331(5&ROXPELD%DVLQ(OHFWULF
&R2SLVUHFUXLWLQJIRUD&XVWRPHU6HUYLFH
5HSUHVHQWDWLYH&DVKLHU&OHUNLQRXU
+HSSQHURIILFH$GYDQFHGZRUNLQJDELOLWLHV
LQFXVWRPHUVHUYLFHGDWDHQWU\NH\
FDVKLHULQJPDWKHPDWLFDOUHDVRQLQJ
:25'DQG([FHOSURGXFWVUHTXLUHG
$FFHVV&U\VWDO5HSRUWVDQGDEDFNJURXQG
LQDFFRXQWLQJLVDSOXV$YHU\FRPSHWLWLYH
FRPSHQVDWLRQSDFNDJHLVEDVHGXSRQD
FROOHFWLYHEDUJDLQLQJDJUHHPHQW(2(
GUXJVFUHHQLQJUHTXLUHG5HVXPHVZLWK
FRYHUOHWWHUZLOOEHDFFHSWHGXQWLO
DW&ROXPELD%DVLQ(OHFWULF&R2S32
%R[+HSSQHU2UHJRQ
02552:&2817<+($/7+',675,&7
LVVHHNLQJFDQGLGDWHVIRUDQHZ7UDQVLWLRQRI
&DUH&RRUGLQDWRUSRVLWLRQORFDWHGDW3LRQHHU
0HPRULDO+RVSLWDOLQ+HSSQHU7KHVXFFHVV
IXOFDQGLGDWHZLOOKDYHVRPHPHGLFDOH[SHUL
HQFHEHYHU\RUJDQL]HGDQGVHOIGULYHQ
SUHVHQWWKHPVHOYHVLQDKLJKO\SURIHVVLRQDO
PDQQHUKDYHH[FHOOHQWYHUEDODQGZULWWHQ
FRPPXQLFDWLRQVNLOOVDQGUHODWHZHOOWRSHR
SOHIURPDZLGHUDQJHRIVRFLRHFRQRPLF
EDFNJURXQGV0DUNHWLQJRUVDOHVEDFN
JURXQGKHOSIXO0XVWEHDYDLODEOHIRUVRPH
GD\WULSWUDYHOLQJDQGVRPHRFFDVLRQDORYHU
QLJKWWUDYHOWRPDUNHW'LVWULFWVHUYLFHVWRID
FLOLWLHVLQVXUURXQGLQJDUHDV$VVRFLDWHVGH
JUHHUHTXLUHG%DFKHORUGHJUHHSUHIHUUHG
0XVWSDVVFULPLQDOEDFNJURXQGFKHFNDQG
GUXJVFUHHQ9DOLGGULYHUތVOLFHQVHUHTXLUHG
&RPSOHWHMREGHVFULSWLRQDQGDSSOLFDWLRQ
DYDLODEOHRQOLQHDWKWWSPRUURZFRXQW\
KHDOWKGLVWULFWRUJRUFRQWDFW3DWWL$OOVWRWW
IRUPRUHLQIRUPDWLRQ
0&+'LVDQ
(TXDO(PSOR\PHQW2SSRUWXQLW\(PSOR\HU
02552:&2817<
+HDOWK'LVWULFWLVDFFHSWLQJDSSOLFDWLRQVIRU
DIXOOWLPH5HFHSWLRQLVWDW,UULJRQ0HGLFDO
&OLQLF'XWLHVLQFOXGHDQVZHULQJSKRQH
VFKHGXOLQJDSSRLQWPHQWVJUHHWLQJSDWLHQWV
RSHUDWLQJYDULRXVFRPSXWHUVRIWZDUHDQG
FROOHFWLQJSD\PHQWV5HTXLUHVKLJKO\
RUJDQL]HGLQGLYLGXDOZLWKJUHDWFXVWRPHU
VHUYLFHVNLOOVZKRFDQZRUNLQGHSHQGHQWO\
+LJK6FKRRO'LSORPDDQGWZR\HDUV
JHQHUDORIILFHH[SHULHQFHUHTXLUHGPHGLFDO
RIILFHH[SHULHQFHZLWKHOHFWURQLFKHDOWK
UHFRUGVRIWZDUHSUHIHUUHG0XVWKDYH
H[FHOOHQWLQWHUSHUVRQDODQGFRPPXQLFDWLRQ
VNLOOVDQGEHDWHDPSOD\HU([FHOOHQW
ZDJHEHQHILWSDFNDJH$SSOLFDWLRQVDUH
DYDLODEOHDWZZZPRUURZFRXQW\KHDOWK
GLVWULFWRUJHPSOR\PHQWDW,UULJRQ0HGLFDO
&OLQLFRUE\FRQWDFWLQJ3DWWL$OOVWRWW

7+(3257 2)02552:
LVDFFHSWLQJDSSOLFDWLRQVIRUD
/($'(48,30(1723(5$725
SRVLWLRQ
0LQLPXPRI\HDUV
H[SHULHQFHLQWKH
(DUWKZRUNILHOG
0LQLPXPRI\HDUV
H[SHULHQFHLQVRPH
IRUPRIPDQDJHPHQWUROH
*36H[SHULHQFH0DFKLQH
FRQWURODQG/D\RXW
%HDEOHWRZRUNLQDOOZHDWKHUFRQGLWLRQV
0XVWKDYHJRRGSXEOLFUHODWLRQVNLOOVWR
FRPPXQLFDWHZLWKFXVWRPHUV
YHQGRUVSXEOLFHWF
0XVWKDYHJRRGGRFXPHQWDWLRQVNLOOVIRUVLWH
FRQGLWLRQVDQGZRUNSHUIRUPHG
+HDY\(TXLSPHQWRSHUDWLRQNQRZOHGJH
3DVVSUHKLUHDQGUDQGRPGUXJVFUHHQLQJ
0XVWKDYHDYDOLGGULYHUOLFHQVH
(DJHUWRZRUNLQDIDVWSDFHGHQYLURQPHQW
3UHYLRXVVDIHW\WUDLQLQJSUHIHUUHG
&DQGLGDWHPXVWEHZLOOLQJWROHDUQ
QHZSURFHGXUHV
$IXOOGHVFULSWLRQLVDYDLODEOHDW
ZZZ3RUWRIPRUURZFRP
7KH3RUWRI0RUURZLVDQ(2(DQGRIIHUV
FRPSHWLWLYHZDJHVDQGEHQHILWV5HVXPHV
ZLWKFRYHUOHWWHUPD\EHVHQWWR&DUPHQ
0HQGR]DDW32%R[%RDUGPDQ25
RUHPDLOHGWR+5#SRUWRIPRUURZFRP
285352*5(66,9((;3$1',1*
DJULFXOWXUHEDVHGFRPSDQLHVKDYH
LPPHGLDWHRSHQLQJV
&/$66$&'/OLFHQVHGGULYHUV ZLWKDOO
HQGRUVHPHQWVWRGULYHUHJLRQDOKDXOV
)XOOWLPH\HDUURXQG3$5765811(5
+DUYHVWVHDVRQDOMREV
:HDUHORRNLQJIRU :KHHOHU7UXFN
'ULYHUV SLOHURSHUDWRUVDQG JHQHUDOODERU
MREVIRUXSFRPLQJKDUYHVWVHDVRQ
-XO\±2FWREHU
3D\DQGKRXUVYDU\E\SRVLWLRQDQGDUH
GHSHQGHQWXSRQH[SHULHQFHDQGDSSOLFDEOH
VNLOOVEURXJKWWRWKHMRE
&ROXPELD%DVLQ6SUHDGHUV,QFDQG
&OHDYHU)DUPLQJ//& DUH
(TXDO(PSOR\PHQW2SSRUWXQLW\(PSOR\HUV
$SSO\LQSHUVRQDW
:HVWODQG5G
DVNIRU6WHYH:LOOLDPV