4,6=8/7HFKQLVFKH8QLYHUVLWlW%HUOLQ

2QOLQH$QPHOGXQJIU3URPRYHQGHQZHLWHUELOGHQGH0DVWHUVWXGLHQJlQJH6RQGHUSURJUDPPHXQG0HKUIDFKLPPDWULNXODWLRQHQ
2QOLQHGDWDHQWU\IRUGRFWRUDOVWXGLHVQRQFRQVHFXWLYH0DVWHUCVSURJUDPVDQGVSHFLDOSURJUDPVDQGPXOWLSOHHQUROOPHQWV
(LQOHLWXQJ
6WXGLHQEHJLQQ
$QJDEHQ]XU3HUVRQ
$QVFKULIWHQ .RPPX
QLNDWLRQ
+RFKVFKXO
]XJDQJV
EHUHFKWLJXQJ
$EVFKOXVV
6WXGLHQJDQJ
)UKHUHV6WXGLXP
$XVODQGVVWXGLXP
$EVFKOLHHQGH%HPHUNXQJHQ
%HZHUEXQJDEVFKOLHHQ

$QPHOGXQJDEVFKOLHHQ&RPSOHWHWKHUHJLVWUDWLRQ
'DQNHIU,KUH'DWHQHLQJDEH,KUH%(:(5%(51800(5LVW
7KDQN\RXIRU\RXUUHJLVWUDWLRQ<RXU5(*,675$7,21180%(5LV

8PVLFKEHUGHQ6WDWXV,KUHU$QPHOGXQJ]XLQIRUPLHUHQUXIHQ6LHELWWHGLHIROJHQGH85/DXI6WDWXV
3OHDVHXVHWKHIROORZLQJ85/IRUWKHVWDWXVRI\RXULQIRUPDWLRQVWDWXV
0HUNHQ6LHVLFK,KUH$FFRXQW'DWHQEHL9HUOXVWN|QQHQVLHQLFKWZLHGHUKHUJHVWHOOWZHUGHQ
3OHDVHUHPHPEHU\RXUDFFRXQWGDWDVLQFHLWFDQQRWEHUHSURGXFHGLQFDVHRIORVV
:,&+7,*%LWWHQRWLHUHQ6LHVLFK,KUH%HZHUEHUQXPPHU
,03257$173OHDVHQRWH\RXUUHJLVWUDWLRQQXPEHU
+LQZHLV3OHDVHQRWH
%LWWHGUXFNHQ6LHQXQGHQ$QPHOGERJHQDXVGHU,KQHQDOV3')'DWHLKLQWHUGHPQDFKIROJHQGHQ%XWWRQ
]XU9HUIJXQJJHVWHOOWZLUG
3OHDVHGRZQORDGWKH3')YHUVLRQRI\RXUUHJLVWUDWLRQZLWKWKHEXWWRQEHORZDQGSULQWLW
 $SSOLFDWLRQIRUPDV3') 
6HQGHQ6LH,KUHQ$QPHOGHERJHQPLWGHQHQWVSUHFKHQGHQ8QWHUODJHQDQGLHIROJHQGH3RVWDGUHVVH
3OHDVHVHQG\RXUUHJLVWUDWLRQIRUPDQGWKHUHOHYDQWGRFXPHQWVWRWKHIROORZLQJDGGUHVV
7HFKQLVFKH8QLYHUVLWlW%HUOLQ
,$6HUYLFHEHUHLFK0DVWHU
6WUDHGHV-XQL
%HUOLQ
(LQ]XUHLFKHQGH8QWHUODJHQ5HTXLUHGGRFXPHQWV
3URPRWLRQ'RFWRUDOVWXGLHV
'LHHLQ]XUHLFKHQGHQ8QWHUODJHQHQWQHKPHQ6LHELWWHXQVHUHP3URPRWLRQVPHUNEODWW
3OHDVHUHJDUGRXU*XLGHOLQH'RFWRUDO5HVHDUFKIRUUHTXLUHGGRFXPHQWV
:HLWHUH,QIRUPDWLRQHQ)XUWKHULQIRUPDWLRQ
0HUNEODWWDPWOLFKH%HJODXELJXQJHQ,QIRUPDWLRQRQRIILFLDODXWKHQWLILFDWLRQV
(UNOlUXQJ]XP3URPRWLRQVVWXGLXP'HFODUDWLRQUHJDUGLQJGRFWRUDOUHVHDUFK
3URPRWLRQVRUGQXQJGHU78%HUOLQ'RFWRUDO5HJXODWLRQVRIWKH78%HUOLQ
:HLWHUELOGHQGH0DVWHUVWXGLHQJlQJH1RQFRQVHFXWLYH0DVWHUCV3URJUDPV
6RQGHUSURJUDPPH6SHFLDOSURJUDPV
$QPHOGHERJHQ5HJLVWUDWLRQIRUP
=XVDW]IRUPXODU]XU(LQVFKUHLEXQJIUHLQZHLWHUELOGHQGHV0DVWHUVWXGLXPRGHU6RQGHUSURJUDPP
$GGLWLRQDOIRUP(QUROOPHQWIRUFRQWLQXLQJHGXFDWLRQPDVWHUVSURJUDPRUVSHFLDOSURJUDP
HLQHDPWOLFKEHJODXELJWH.RSLHGHV+RFKVFKXODEVFKOXVV]HXJQLVVHVDXI'HXWVFKRGHU
(QJOLVFK2IILFLDOFHUWLILHGFRS\RI\RXUGHJUHHFHUWLILFDWHLQ*HUPDQRU(QJOLVK
HLQIDFKH.RSLHGHV3HUVRQDODXVZHLVHV3DVVHV&RS\RI\RXULGHQWLW\FDUGRUSDVVSRUW
GHQ1DFKZHLVEHUGLH=DKOXQJGHV6HPHVWHUEHLWUDJHV(YLGHQFHRISD\PHQWRIWKHVHPHVWHUIHHV
.UDQNHQYHUVLFKHUXQJVQDFKZHLV9HUVLFKHUXQJVEHVFKHLQLJXQJ]XU(LQUHLFKXQJEHLGHU8QLYHUVLWlW
QXUHUIRUGHUOLFKZHQQGDV/HEHQVMDKUQRFKQLFKWYROOHQGHWLVW
3URRIRIKHDOWKLQVXUDQFHZULWWHQFRQILUPDWLRQRILQVXUDQFHWREHKDQGHGLQDWWKH8QLYHUVLW\RQO\
UHTXLUHGLI\RXKDYHQRW\HWUHDFKHG\HDUVRIDJH
$NWXHOOH,PPDWULNXODWLRQVEHVFKHLQLJXQJPLW$QJDEHGHV)DFKVHPHVWHUVGHUELVKHUEHVXFKWHQ
GHXWVFKHQ+RFKVFKXOHRGHU([PDWULNXODWLRQVEHVFKHLQLJXQJPLW$QJDEHGHUELVKHULJHQ+RFKVFKXO
XQG)DFKVHPHVWHU

KWWSV]XODSS]XYWXEHUOLQGHTLVVHUYHUVHUYOHWGHKLVVHUYOHW5HTXHVW'LVSDWFKHU6HUYOHW"VWDWH ZLPPD VWJ P LPPD HUNO





4,6=8/7HFKQLVFKH8QLYHUVLWlW%HUOLQ

&XUUHQWFHUWLILFDWHRIHQUROOPHQWLQFOXGLQJWKHDPRXQWRIWHUPVRIVWXG\LQJ)DFKVHPHVWHURU

FHUWLILFDWHRIH[PDWULFXODWLRQRIWKHSUHYLRXV*HUPDQXQLYHUVLW\LQFOXGLQJWKHDPRXQWRIWHUPVRI
VWXG\LQJ)DFKVHPHVWHUDQGWHUPVDWD*HUPDQXQLYHUVLW\+RFKVFKXOVHPHVWHU
(LQODGXQJVVFKUHLEHQGHU)DNXOWlW)DFXOW\LQYLWDWLRQOHWWHU
)UQLFKW(8%UJHUIRUQRQ(8FLWL]HQV
DPWOLFKEHJODXELJWH.RSLH,KUHU$XIHQWKDOWVHUODXEQLVE]Z,KUHV6WXGHQWHQYLVXPV&HUWLILHGFRS\RI
\RXUUHVLGHQFHSHUPLVVLRQRUVWXGHQWYLVD
0HKUIDFKLPPDWULNXODWLRQ0XOWLSOHHQUROOPHQWV
$QPHOGHERJHQ5HJLVWUDWLRQIRUP
,PPDWULNXODWLRQVEHVFKHLQLJXQJGHUDQGHUHQ+RFKVFKXOHHLQIDFK.RSLH(QUROOPHQWFHUWLILFDWHRI
WKHRWKHUXQLYHUVLW\VLPSOHFRS\
EHUXIVTXDOLIL]LHUHQGHU+RFKVFKXODEVFKOXVVHLQIDFKH.RSLH3ULPDU\XQLYHUVLW\GHJUHHFHUWLILFDWH
VLPSOHFRS\
HLQIDFKH3DVVNRSLH6LPSOH&RS\RI\RXUSDVVSRUW
$OOHHLQJHUHLFKWHQ1DFKZHLVHPVVHQLQGHUREHQDQJHJHEHQHQ)RUPGHP$QPHOGHERJHQEHLJHIJW
ZHUGHQ'LH8QLYHUVLWlWLVWQLFKWYHUSIOLFKWHWEHLIHKOHQGHQRGHUXQYROOVWlQGLJHQ8QWHUODJHQGHQ
6DFKYHUKDOWYRQ$PWVZHJHQ]XHUPLWWHOQ%LWWHWUDJHQ6LHGDKHUVHOEVWIUGLH9ROOVWlQGLJNHLW,KUHU
$QJDEHQXQG8QWHUODJHQ6RUJH
$OOVXSSRUWLQJGRFXPHQWVKDYHWREHVXEPLWWHGZLWKWKHUHJLVWUDWLRQIRUPLQWKHIRUPPHQWLRQHGDERYH
7KHXQLYHUVLW\KDVQRREOLJDWLRQWRIXUWKHUFODULI\LVVXHVLQFDVHRIPLVVLQJRULQFRPSOHWHGRFXPHQWV
3OHDVHWDNHFDUHWKDW\RXUGRFXPHQWVDUHFRPSOHWHDQGFRUUHFW
)HKOHQGHRGHUXQNRUUHNWH8QWHUODJHQN|QQHQYRQXQVQLFKWQDFKJHIRUGHUWZHUGHQ0LVVLQJRULQFRUUHFW
GRFXPHQWVFDQQRWEHGHPDQGHGODWHUE\WKHXQLYHUVLW\
.RQWUROODQVLFKW0RQLWRULQJYLHZ
6LHKDEHQKLHUGLH0|JOLFKNHLW]XUHLJHQHQ.RQWUROOHHLQHQ$XVGUXFN,KUHU'DWHQDQ]XIHUWLJHQ
%LWWHEHZDKUHQ6LHGHQ$XVGUXFNDXIHUN|QQWHIUHYHQWXHOOH5FNIUDJHQEHQ|WLJWZHUGHQ
3OHDVHSULQWRXWDSHUVRQDOFRS\RI\RXUGDWDIRUFRQWUROSXUSRVHV3OHDVHUHWDLQWKHFRS\IRUDQ\
VXEVHTXHQWTXHVWLRQVWKDWPLJKWHPHUJH
3UHYLHZ 
6LFKHUKHLWVKLQZHLV
%LWWHVFKOLHHQ6LHQXQGHQ%URZVHUGDPLWQDFKIROJHQGH%HQXW]HUQLFKW,KUHHLQJHJHEHQHQ'DWHQ
HLQVHKHQN|QQHQ
4XLW

KWWSV]XODSS]XYWXEHUOLQGHTLVVHUYHUVHUYOHWGHKLVVHUYOHW5HTXHVW'LVSDWFKHU6HUYOHW"VWDWH ZLPPD VWJ P LPPD HUNO