Добавил:
ivanov666
Опубликованный материал нарушает ваши авторские права? Сообщите нам.
Вуз:
Предмет:
Файл:The Selected Stories
.pdf
:K\ QRW" , DQVZHUHG KLP 7KH\UH ZHOFRPH DQG VR DUH \RX $QG FRPH WR P\
KRXVHWKHVDPHDVHYHU<RXVHH0U1HWWOHZLFN\RXFDQWPDNHDIULHQGRIDWKLHIEXW
QHLWKHUFDQ\RXPDNHDWKLHIRIDIULHQGDOODWRQFH
7KH H[DPLQHU PDGH QR DQVZHU $W WKDW PRPHQW ZDV KHDUG WKH VKULOO ZKLVWOH RI D
ORFRPRWLYHSXOOLQJLQWRWKHGHSRW7KDWZDVWKHWUDLQRQWKHOLWWOHQDUURZJDXJHURDGWKDW
VWUXFN LQWR 6DQ 5RVDULR IURP WKH VRXWK 7KH PDMRU FRFNHG KLV HDU DQG OLVWHQHG IRU D
PRPHQWDQGORRNHGDWKLVZDWFK7KHQDUURZJDXJHZDVLQRQWLPH²7KHPDMRU
FRQWLQXHG
6R %RE KXQJ DURXQG WKH RIILFH UHDGLQJ WKH SDSHUV DQG VPRNLQJ,SXWDQRWKHU
GHSXW\WRZRUNLQKLVSODFHDQGDIWHUDZKLOHWKHILUVWH[FLWHPHQWRIWKHFDVHZRUHRII
2QHGD\ZKHQZHZHUHDORQHLQWKHRIILFH%REFDPHRYHUWRZKHUH,ZDVVLWWLQJ+H
ZDV ORRNLQJ VRUW RI JULP DQG EOXH²WKH VDPH ORRN KH XVHG WR JHW ZKHQKHGEHHQXS
ZDWFKLQJIRU,QGLDQVDOOQLJKWRUKHUGULGLQJ
7RPVD\V KH LWV KDUGHUWKDQ VWDQGLQJ RIIUHGVNLQVLWV KDUGHU WKDQ O\LQJLQ WKH
ODYDGHVHUW IRUW\ PLOHV IURP ZDWHU EXW ,PJRLQJ WR VWLFN LW RXW WR WKHHQG <RX NQRZ
WKDWVEHHQP\VW\OH%XWLI\RXGWLSPHWKHVPDOOHVWNLQGRIDVLJQ²LI \RXG MXVW VD\
%RE,XQGHUVWDQGZK\LWZRXOGPDNHLWORWVHDVLHU
,ZDVVXUSULVHG,GRQWNQRZZKDW\RXPHDQ%RE,VDLG2IFRXUVH\RXNQRZ
WKDW,GGRDQ\WKLQJXQGHUWKHVXQWRKHOS\RXWKDW,FRXOG%XW\RXYHJRWPHJXHVVLQJ
$OOULJKW7RPZDVDOOKHVDLGDQGKHZHQWEDFNWRKLVQHZVSDSHUDQGOLWDQRWKHU
FLJDU
,WZDVWKHQLJKWEHIRUHFRXUWPHWZKHQ,IRXQGRXWZKDWKHPHDQW,ZHQWWREHGWKDW
QLJKWZLWKWKDWVDPHROGOLJKWKHDGHGQHUYRXVIHHOLQJFRPHEDFNXSRQPH,GURSSHGRII
WRVOHHSDERXWPLGQLJKW:KHQ,DZRNH,ZDVVWDQGLQJKDOIGUHVVHGLQRQHRIWKHFRXUW
KRXVHFRUULGRUV%REZDVKROGLQJRQHRIP\DUPVRXUIDPLO\GRFWRUWKHRWKHUDQG$OLFH
ZDVVKDNLQJPHDQGKDOIFU\LQJ6KHKDGVHQWIRUWKHGRFWRUZLWKRXWP\NQRZLQJLWDQG
ZKHQKHFDPHWKH\KDGIRXQGPHRXWRIEHGDQGPLVVLQJDQGKDGEHJXQDVHDUFK
6OHHSZDONLQJVDLGWKHGRFWRU
$OORIXV ZHQW EDFN WR WKHKRXVHDQG WKH GRFWRU WROGXVVRPHUHPDUNDEOHVWRULHV
DERXW WKH VWUDQJH WKLQJV SHRSOH KDG GRQH ZKLOH LQ WKDW FRQGLWLRQ , ZDV IHHOLQJ UDWKHU
FKLOO\DIWHUP\WULSRXWDQGDVP\ZLIHZDVRXWRIWKHURRPDWWKHWLPH,SXOOHGRSHQWKH
GRRURIDQROGZDUGUREHWKDWVWRRGLQWKHURRPDQGGUDJJHGRXWDELJTXLOW,KDGVHHQLQ
WKHUH:LWKLWWXPEOHGRXWWKHEDJRIPRQH\IRUVWHDOLQJZKLFK%REZDVWREHWULHG²DQG
FRQYLFWHG²LQWKHPRUQLQJ
+RZWKHMXPSLQJUDWWOHVQDNHVGLGWKDWJHWWKHUH",\HOOHGDQGDOOKDQGVPXVWKDYH
VHHQKRZVXUSULVHG,ZDV%RENQHZLQDIODVK
<RXGDUQHGROGVQRR]HUKHVDLGZLWKWKHROGWLPHORRNRQKLVIDFH,VDZ\RXSXW
LWWKHUH,ZDWFKHG\RXRSHQWKHVDIHDQGWDNHLWRXWDQG,IROORZHG\RX,ORRNHGWKURXJK
WKHZLQGRZDQGVDZ\RXKLGHLWLQWKDWZDUGUREH
7KHQ\RXEODQNHW\EODQNIORSHDUHGVKHHSKHDGHGFR\RWHZKDWGLG\RXVD\\RX
WRRNLWIRU"
%HFDXVHVDLG%REVLPSO\,GLGQWNQRZ\RXZHUHDVOHHS
,VDZKLPJODQFHWRZDUGWKHGRRURIWKHURRPZKHUH-DFNDQG=LOODZHUH DQG ,
NQHZWKHQZKDWLWPHDQWWREHDPDQVIULHQGIURP%REVSRLQWRIYLHZ
0DMRU7RPSDXVHGDQGDJDLQGLUHFWHGKLVJODQFHRXWRIWKHZLQGRZ+HVDZVRPH
RQH LQ WKH 6WRFNPHQV 1DWLRQDO %DQN UHDFK DQG GUDZ D \HOORZ VKDGHGRZQ WKH ZKROH
OHQJWKRILWVSODWHJODVVELJIURQWZLQGRZDOWKRXJKWKHSRVLWLRQRIWKHVXQGLGQRWVHHP
WRZDUUDQWVXFKDGHIHQVLYHPRYHPHQWDJDLQVWLWVUD\V

1HWWOHZLFN VDW XS VWUDLJKW LQ KLV FKDLU +H KDG OLVWHQHG SDWLHQWO\ EXW ZLWKRXW
FRQVXPLQJ LQWHUHVW WR WKH PDMRUV VWRU\ ,W KDG LPSUHVVHG KLP DV LUUHOHYDQW WR WKH
VLWXDWLRQ DQG LW FRXOG FHUWDLQO\ KDYH QR HIIHFW XSRQ WKH FRQVHTXHQFHV 7KRVH :HVWHUQ
SHRSOHKHWKRXJKWKDGDQH[DJJHUDWHGVHQWLPHQWDOLW\7KH\ZHUHQRWEXVLQHVVOLNH7KH\
QHHGHGWREHSURWHFWHGIURPWKHLUIULHQGV(YLGHQWO\WKHPDMRUKDGFRQFOXGHG$QGZKDW
KHKDGVDLGDPRXQWHGWRQRWKLQJ
0D\ , DVN VDLG WKH H[DPLQHU LI \RX KDYH DQ\WKLQJ IXUWKHU WR VD\ WKDW EHDUV
GLUHFWO\XSRQWKHTXHVWLRQRIWKRVHDEVWUDFWHGVHFXULWLHV"
$EVWUDFWHGVHFXULWLHVVLU0DMRU 7RP WXUQHG VXGGHQO\ LQKLVFKDLUKLVEOXH H\HV
IODVKLQJXSRQWKHH[DPLQHU:KDWGR\RXPHDQVLU"
+H GUHZ IURP KLV FRDW SRFNHW D EDWFK RI IROGHG SDSHUVKHOG WRJHWKHU E\ D UXEEHU
EDQGWRVVHGWKHPLQWR1HWWOHZLFNVKDQGVDQGURVHWRKLVIHHW
<RXOOILQG WKRVHVHFXULWLHV WKHUH VLU HYHU\VWRFN ERQG DQG VKDUH RI HP , WRRN
WKHPIURPWKH QRWHVZKLOH\RXZHUHFRXQWLQJWKHFDVK([DPLQHDQGFRPSDUHWKHPIRU
\RXUVHOI
7KH PDMRU OHG WKH ZD\ EDFN LQWR WKH EDQNLQJ URRP 7KH H[DPLQHU DVWRXQGHG
SHUSOH[HG QHWWOHG DW VHD IROORZHG +H IHOW WKDW KH KDG EHHQ PDGH WKH YLFWLP RI
VRPHWKLQJWKDWZDVQRWH[DFWO\DKRD[EXWWKDWOHIWKLPLQWKHVKRHVRIRQHZKRKDGEHHQ
SOD\HG XSRQ XVHG DQG WKHQ GLVFDUGHG ZLWKRXW HYHQ DQLQNOLQJ RIWKHJDPH3HUKDSV
DOVRKLV RIILFLDO SRVLWLRQKDG EHHQ LUUHYHUHQWO\MXJJOHG ZLWK %XWWKHUH ZDV QRWKLQJ KH
FRXOG WDNH KROG RI $Q RIILFLDO UHSRUW RI WKH PDWWHU ZRXOG EH DQ DEVXUGLW\ $QG
VRPHKRZKHIHOWWKDWKHZRXOGQHYHUNQRZDQ\WKLQJPRUHDERXWWKHPDWWHUWKDQKHGLG
WKHQ
)ULJLGO\PHFKDQLFDOO\1HWWOHZLFNH[DPLQHGWKHVHFXULWLHVIRXQGWKHPWRWDOO\ZLWK
WKHQRWHVJDWKHUHGKLVEODFNZDOOHWDQGURVHWRGHSDUW
, ZLOO VD\ KH SURWHVWHG WXUQLQJ WKH LQGLJQDQW JODUH RI KLV JODVVHV XSRQ 0DMRU
.LQJPDQ WKDW \RXU VWDWHPHQWV²\RXU PLVOHDGLQJ VWDWHPHQWV ZKLFK \RX KDYH QRW
FRQGHVFHQGHGWRH[SODLQ²GRQRWDSSHDUWREHTXLWHWKHWKLQJUHJDUGHGHLWKHUDVEXVLQHVV
RUKXPRXU,GRQRWXQGHUVWDQGVXFKPRWLYHVRUDFWLRQV
0DMRU7RPORRNHGGRZQDWKLPVHUHQHO\DQGQRWXQNLQGO\
6RQKHVDLGWKHUHDUHSOHQW\RIWKLQJVLQWKHFKDSDUUDODQGRQWKHSUDLULHVDQGXS
WKHFDQ\RQVWKDW\RXGRQWXQGHUVWDQG%XW,ZDQWWRWKDQN\RXIRUOLVWHQLQJWRDJDUUXORXV
ROG PDQV SURV\ VWRU\ :H ROG 7H[DQV ORYH WR WDON DERXW RXU DGYHQWXUHV DQG RXU ROG
FRPUDGHVDQGWKHKRPHIRONV KDYH ORQJ DJR OHDUQHGWR UXQZKHQZHEHJLQZLWK2QFH
XSRQDWLPHVRZHKDYHWRVSLQRXU\DUQVWRWKHVWUDQJHUZLWKLQRXUJDWHV
7KH PDMRU VPLOHG EXW WKH H[DPLQHU RQO\ ERZHG FROGO\ DQG DEUXSWO\ TXLWWHG WKH
EDQN 7KH\ VDZ KLP WUDYHO GLDJRQDOO\ DFURVV WKH VWUHHW LQ D VWUDLJKW OLQH DQG HQWHU WKH
6WRFNPHQV1DWLRQDO%DQN
0DMRU7RPVDWGRZQDWKLVGHVNDQGGUHZIURPKLVYHVWSRFNHWWKHQRWH 5R\ KDG
JLYHQKLP+HKDGUHDGLWRQFHEXWKXUULHGO\DQGQRZZLWKVRPHWKLQJOLNHDWZLQNOHLQ
KLVH\HVKHUHDGLWDJDLQ7KHVHZHUHWKHZRUGVKHUHDG
'($5720
,KHDUWKHUHVRQHRI8QFOH6DPVJUD\KRXQGVJRLQJWKURXJK\RXDQGWKDWPHDQV
WKDWZHOOFDWFKKLPLQVLGHRIDFRXSOHRIKRXUVPD\EH1RZ,ZDQW\RXWRGR
VRPHWKLQJIRU PH:HYHJRWMXVWLQWKHEDQNDQGWKH ODZ UHTXLUHVWKDW
ZHKDYH,OHW5RVVDQG)LVKHUKDYHODWH\HVWHUGD\DIWHUQRRQWR
EX\XS WKDW *LEVRQ EXQFK RIFDWWOH 7KH\OOUHDOL]H LQ
OHVVWKDQ WKLUW\

GD\VRQWKHWUDQVDFWLRQEXWWKDWZRQWPDNHP\FDVKRQKDQGORRNDQ\SUHWWLHU
WRWKDWEDQNH[DPLQHU1RZ,FDQWVKRZKLPWKRVHQRWHVIRUWKH\UHMXVWSODLQ
QRWHVRIKDQGZLWKRXWDQ\ VHFXULW\ LQ VLJKW EXW\RXNQRZYHU\ ZHOO WKDW 3LQN
5RVVDQG-LP)LVKHUDUHWZRRIWKHILQHVWZKLWHPHQ*RGHYHUPDGHDQGWKH\OO
GRWKHVTXDUHWKLQJ<RXUHPHPEHU-LP)LVKHU²KHZDVWKHRQHZKRVKRWWKDW
IDURGHDOHULQ(O3DVR,ZLUHG6DP%UDGVKDZVEDQNWRVHQGPHDQGLW
ZLOOJHW LQ RQWKH QDUURZJDXJH DW <RXFDQW OHW DEDQN H[DPLQHU LQWR
FRXQW DQG FORVH \RXU GRRUV 7RP \RX KROG WKDW H[DPLQHU +ROG KLP
+ROGKLPLI\RXKDYHWRURSHKLPDQGVLWRQKLVKHDG:DWFKRXUIURQWZLQGRZ
DIWHU WKH QDUURZJDXJH JHWV LQ DQG ZKHQ ZHYH JRW WKH FDVK LQVLGH ZHOO SXOO
GRZQWKHVKDGHIRUDVLJQDO'RQWWXUQKLPORRVHWLOOWKHQ,PFRXQWLQJRQ\RX
7RP
<2852/'3$5'
%2%%8&./<
3UHVW6WRFNPHQV1DWLRQDO
7KHPDMRU EHJDQ WRWHDU WKH QRWH LQWR VPDOOSLHFHV DQG WKURZ WKHP LQWR KLV ZDVWH
EDVNHW+HJDYHDVDWLVILHGOLWWOHFKXFNOHDVKHGLGVR
&RQIRXQGHG ROG UHFNOHVV FRZSXQFKHU KH JURZOHG FRQWHQWHGO\ WKDW SD\V KLP
VRPHRQDFFRXQWIRUZKDWKHWULHGWRGRIRUPHLQWKHVKHULIIVRIILFHWZHQW\\HDUVDJR
7+(+,',1*2)%/$&.%,//
$ODQNVWURQJUHGIDFHGPDQZLWKD:HOOLQJWRQEHDNDQGVPDOOILHU\H\HVWHPSHUHG
E\IOD[HQODVKHVVDWRQWKHVWDWLRQSODWIRUPDW/RV3LQRVVZLQJLQJKLVOHJVWRDQGIUR$W
KLVVLGHVDWDQRWKHUPDQIDWPHODQFKRO\DQGVHHG\ZKRVHHPHGWREHKLVIULHQG7KH\
KDGWKH DSSHDUDQFH RI PHQWR ZKRP OLIH KDG DSSHDUHG DV DUHYHUVLEOH FRDW²VHDP\ RQ
ERWKVLGHV
$LQW VHHQ \RX LQ DERXW IRXU \HDUV +DPVDLG WKH VHHG\ PDQ:KLFK ZD\ \RX
EHHQWUDYHOOLQJ"
7H[DVVDLGWKHUHGIDFHGPDQ,WZDVWRRFROGLQ$ODVND IRUPH$QG,IRXQGLW
ZDUPLQ7H[DV,OOWHOO\RXDERXWRQHKRWVSHOO,ZHQWWKURXJKWKHUH
2QHPRUQLQJ,VWHSVRIIWKH,QWHUQDWLRQDODWDZDWHUWDQN DQGOHWVLWJRRQZLWKRXW
PH7ZDVDUDQFKFRXQWU\DQGIXOOHURIVSLWHKRXVHVWKDQ1HZ<RUN&LW\2QO\RXWWKHUH
WKH\EXLOGHPWZHQW\PLOHVDZD\VR\RXFDQWVPHOOZKDWWKH\YHJRWIRUGLQQHULQVWHDG
RIUXQQLQJHPXSWZRLQFKHVIURPWKHLUQHLJKERUVZLQGRZV
7KHUHZDVQWDQ\URDGVLQVLJKWVR,IRRWHGLWFURVVFRXQWU\7KHJUDVVZDVVKRHWRS
GHHSDQG WKH PHVTXLWH WLPEHU ORRNHG MXVW OLNH DSHDFK RUFKDUG ,W ZDV VR PXFK OLNH D
JHQWOHPDQVSULYDWHHVWDWHWKDWHYHU\PLQXWH\RXH[SHFWHGDNHQQHOIXORIEXOOGRJVWRUXQ
RXWDQGELWH\RX%XW,PXVWKDYHZDONHGWZHQW\PLOHVEHIRUH,FDPHLQVLJKWRIDUDQFK
KRXVH,WZDVDOLWWOHRQHDERXWDVELJDVDQHOHYDWHGUDLOURDGVWDWLRQ
7KHUHZDVDOLWWOHPDQLQDZKLWHVKLUWDQGEURZQRYHUDOOVDQGDSLQNKDQGNHUFKLHI
DURXQGKLVQHFNUROOLQJFLJDUHWWHVXQGHUDWUHHLQIURQWRIWKHGRRU
*UHHWLQJV VD\V , $Q\ UHIUHVKPHQW ZHOFRPH HPROXPHQWV RU HYHQ ZRUN IRU D
FRPSDUDWLYHVWUDQJHU"
2KFRPHLQVD\VKHLQDUHILQHGWRQH6LWGRZQRQWKDWVWRROSOHDVH,GLGQWKHDU
\RXUKRUVHFRPLQJ

+HLVQWQHDUHQRXJK\HWVD\V,,ZDONHG,GRQWZDQWWREHDEXUGHQEXW,ZRQGHU
LI\RXKDYHWKUHHRUIRXUJDOORQVRIZDWHUKDQG\
<RXGRORRNSUHWW\GXVW\VD\VKHEXWRXUEDWKLQJDUUDQJHPHQWV²
,WVDGULQN,ZDQWVD\V,1HYHUPLQGWKHGXVWWKDWVRQWKHRXWVLGH
+HJHWVPHDGLSSHURIZDWHURXWRIDUHGMDUKDQJLQJXSDQGWKHQJRHVRQ
'R\RXZDQWZRUN"
)RUDWLPHVD\V,7KLVLVDUDWKHUTXLHWVHFWLRQRIWKHFRXQWU\LVQWLW"
,WLVVD\VKH6RPHWLPHV²VR,KDYHEHHQWROG²RQHVHHVQRKXPDQEHLQJSDVVIRU
ZHHNVDWDWLPH,YHEHHQKHUHRQO\DPRQWK,ERXJKWWKHUDQFKIURPDQROGVHWWOHUZKR
ZDQWHGWRPRYHIDUWKHUZHVW
,WVXLWVPHVD\V,4XLHWDQGUHWLUHPHQWDUHJRRGIRUDPDQVRPHWLPHV$QG,QHHG
DMRE,FDQ WHQGEDUVDOWPLQHVOHFWXUHIORDWVWRFNGR D OLWWOH PLGGOHZHLJKWVOXJJLQJ
DQGSOD\WKHSLDQR
&DQ\RXKHUGVKHHS"DVNVWKHOLWWOHUDQFKPDQ
'R\RXPHDQKDYH,KHDUGVKHHS"VD\V,
&DQ\RXKHUGHP²WDNHFKDUJHRIDIORFNRIHP"VD\VKH
2KVD\V,QRZ,XQGHUVWDQG<RXPHDQFKDVHHPDURXQGDQGEDUNDW HP OLNH
FROOLHGRJV :HOO , PLJKW VD\V, ,YH QHYHU H[DFWO\ GRQH DQ\ VKHHSKHUGLQJEXW ,YH
RIWHQVHHQHPIURPFDUZLQGRZVPDVWLFDWLQJGDLVLHVDQGWKH\GRQWORRNGDQJHURXV
,PVKRUWDKHUGHUVD\VWKHUDQFKPDQ<RXQHYHUFDQGHSHQGRQWKH0H[LFDQV,YH
RQO\ JRW WZR IORFNV <RX PD\ WDNH RXW P\ EXQFK RI PXWWRQV²WKHUH DUH RQO\ HLJKW
KXQGUHGRIHP²LQWKHPRUQLQJLI\RXOLNH7KHSD\LVWZHOYHGROODUVDPRQWKDQG\RXU
UDWLRQVIXUQLVKHG<RX FDPSLQDWHQWRQWKHSUDLULHZLWK \RXUVKHHS<RXGR \RXURZQ
FRRNLQJEXWZRRGDQGZDWHUDUHEURXJKWWR\RXUFDPS,WVDQHDV\MRE
,PRQVD\V,,OOWDNHWKHMREHYHQLI,KDYHWRJDUODQGP\EURZDQGKROGRQWRD
FURRNDQGZHDUDORRVHHIIHFWDQGSOD\RQDSLSHOLNHWKHVKHSKHUGVGRLQSLFWXUHV
6RWKHQH[WPRUQLQJ WKHOLWWOHUDQFKPDQKHOSVPHGULYHWKH IORFN RIPXWWRQVIURP
WKHFRUUDOWRDERXW WZRPLOHVRXWDQGOHWHPJUD]H RQ D OLWWOHKLOOVLGHRQWKHSUDLULH+H
JLYHVPHDORWRILQVWUXFWLRQVDERXWQRWOHWWLQJEXQFKHVRIWKHPVWUD\RIIIURPWKHKHUG
DQGGULYLQJHPGRZQWRDZDWHUKROHWRGULQNDWQRRQ
,OO EULQJ RXW \RXU WHQW DQG FDPSLQJ RXWILW DQG UDWLRQV LQ WKH EXFNERDUG EHIRUH
QLJKWVD\VKH
)LQHVD\V ,$QGGRQWIRUJHW WKHUDWLRQV1RUWKHFDPSLQJRXWILW$QGEHVXUHWR
EULQJWKHWHQW<RXUQDPHV=ROOLFRIIHUDLQWLW"
0\QDPHVD\VKHLV+HQU\2JGHQ
$OOULJKW0U2JGHQVD\V,0LQHLV0U3HUFLYDO6DLQW&ODLU
,KHUGHGVKHHSIRUILYHGD\VRQWKH5DQFKR&KLTXLWRDQGWKHQWKHZRROHQWHUHGP\
VRXO7KDWJHWWLQJQH[WWR1DWXUHFHUWDLQO\JRWQH[WWRPH,ZDVORQHVRPHUWKDQ&UXVRHV
JRDW,YHVHHQDORWRISHUVRQVPRUHHQWHUWDLQLQJDVFRPSDQLRQVWKDQWKRVHVKHHSZHUH
,GGULYHHPWRWKHFRUUDODQGSHQHPHYHU\HYHQLQJDQGWKHQFRRNP\FRUQEUHDGDQG
PXWWRQDQGFRIIHHDQGOLHGRZQLQDWHQWWKHVL]HRIDWDEOHFORWKDQGOLVWHQWRWKHFR\RWHV
DQGZKLSSRRUZLOOVVLQJLQJDURXQGWKHFDPS
7KHILIWKHYHQLQJDIWHU,KDGFRUUDOOHGP\FRVWO\EXWXQFRQJHQLDOPXWWRQV,ZDONHG
RYHUWRWKHUDQFKKRXVHDQGVWHSSHGLQWKHGRRU
0U2JGHQVD\V,\RXDQGPHKDYHJRWWRJHWVRFLDEOH6KHHSDUHDOOYHU\ZHOOWR
GRWWKHODQGVFDSHDQGIXUQLVKHLJKWGROODUFRWWRQVXLWLQJVIRU
ILUHVLGH FRPSDQLRQV WKH\ UDQN DORQJ ZLWK ILYHRFORFN WHD]HUV ,I \RXYH JRW D GHFN RI
FDUGVRUDSDUFKHHVL RXWILW RU D JDPHRIDXWKRUVJHWHPRXWDQG OHWVJHWRQDPHQWDO
PDQEXWIRUWDEOHWDONDQG

EDVLV,YH JRW WR GR VRPHWKLQJ LQ DQ LQWHOOHFWXDO OLQH LI LWV RQO\ WR NQRFN VRPHERG\V
EUDLQVRXW
7KLV+HQU\2JGHQZDVDSHFXOLDUNLQGRIUDQFKPDQ+HZRUHILQJHUULQJVDQGDELJ
JROGZDWFKDQGFDUHIXOQHFNWLHV$QGKLVIDFHZDVFDOPDQGKLVQRVHVSHFWDFOHVZDVNHSW
YHU\VKLQ\,VDZRQFHLQ0XVFRJHHDQRXWODZKXQJIRUPXUGHULQJVL[PHQZKRZDVD
GHDGULQJHUIRUKLP%XW,NQHZDSUHDFKHULQ$UNDQVDVWKDW\RXZRXOGKDYHWDNHQWREH
KLVEURWKHU,GLGQWFDUH PXFKIRUKLPHLWKHUZD\ZKDW , ZDQWHG ZDV VRPH IHOORZVKLS
DQGFRPPXQLRQZLWKKRO\VDLQWVRUORVWVLQQHUV²DQ\WKLQJVKHHSOHVVZRXOGGR
:HOO6DLQW&ODLUVD\VKHOD\LQJGRZQWKHERRNKHZDVUHDGLQJ,JXHVVLWPXVWEH
SUHWW\ORQHVRPHIRU \RXDWILUVW$QG,GRQWGHQ\WKDW LWV PRQRWRQRXVIRUPH$UH\RX
VXUH\RXFRUUDOOHG\RXUVKHHSVRWKH\ZRQWVWUD\RXW"
7KH\UHVKXWXSDVWLJKWDVWKHMXU\RIDPLOOLRQDLUH PXUGHUHUVD\V , $QG ,OOEH
EDFNZLWKWKHPORQJEHIRUHWKH\OOQHHGWKHLUWUDLQHGQXUVH
6R2JGHQGLJVXSDGHFNRIFDUGVDQGZHSOD\FDVLQR$IWHUILYHGD\VDQGQLJKWVRI
P\VKHHSFDPSLWZDVOLNHDWRRWRQ%URDGZD\:KHQ,FDXJKWELJFDVLQR,IHOWDVH[FLWHG
DVLI,KDGPDGHDPLOOLRQLQ7ULQLW\$QGZKHQ + 2 ORRVHQHG XS D OLWWOH DQG WROG WKH
VWRU\DERXWWKHODG\LQWKH3XOOPDQFDU,ODXJKHGIRUILYHPLQXWHV
7KDWVKRZHGZKDWDFRPSDUDWLYHWKLQJOLIHLV$PDQPD\VHHVRPXFKWKDWKHGEH
ERUHGWRWXUQKLVKHDGWRORRNDWDILUHRU-RH:HEHURUWKH$GULDWLF6HD%XW
OHWKLPKHUGVKHHS IRU D VSHOO DQG\RXOOVHH KLP VSOLWWLQJKLVULEVODXJKLQJ DW &XUIHZ
6KDOO1RW5LQJ7RQLJKWRUUHDOO\HQMR\LQJKLPVHOISOD\LQJFDUGVZLWKODGLHV
%\DQGE\2JGHQJHWVRXWDGHFDQWHURI%RXUERQDQGWKHQWKHUHLVDWRWDOHFOLSVHRI
VKHHS
'R\RXUHPHPEHUUHDGLQJLQWKHSDSHUVDERXWDPRQWKDJRVD\VKHDERXWDWUDLQ
KROGXSRQWKH0.7"7KHH[SUHVVDJHQWZDVVKRWWKURXJKWKHVKRXOGHUDQGDERXW
LQFXUUHQF\WDNHQ$QGLWVVDLGWKDWRQO\RQHPDQGLGWKHMRE
6HHPVWRPH,GRVD\V,%XWVXFKWKLQJVKDSSHQVRRIWHQWKH\GRQWOLQJHUORQJLQ
WKH KXPDQ 7H[DV PLQG 'LG WKH\ RYHUWDNH RYHUKDXO VHL]H RU OD\ KDQGV XSRQ WKH
GHVSRLOHU"
+HHVFDSHGVD\V2JGHQ$QG,ZDVMXVWUHDGLQJLQDSDSHUWRGD\WKDWWKHRIILFHUV
KDYHWUDFNHGKLPGRZQLQWRWKLVSDUWRIWKHFRXQWU\,WVHHPVWKHELOOVWKHUREEHUJRWZHUH
DOO WKH ILUVW LVVXH RI FXUUHQF\ WR WKH 6HFRQG 1DWLRQDO %DQN RI (VSLQRVD &LW\ $QG VR
WKH\YHIROORZHGWKHWUDLOZKHUHWKH\YHEHHQVSHQWDQGLWOHDGVWKLVZD\
2JGHQSRXUVRXWVRPHPRUH%RXUERQDQGVKRYHVPHWKHERWWOH
,PDJLQHVD\V , DIWHU LQJXUJLWDWLQJ DQRWKHU PRGLFXP RI WKH UR\DO ERR]H WKDW LW
ZRXOGQWEHDWDOODGLVLQJHQXRXVLGHDIRUDWUDLQUREEHUWRUXQGRZQLQWRWKLVSDUWRIWKH
FRXQWU\WR KLGH IRUD VSHOO $VKHHSUDQFK QRZ VD\V , ZRXOGEHWKHILQHVWNLQGRID
SODFH:KRGHYHUH[SHFWWRILQGVXFKDGHVSHUDWHFKDUDFWHUDPRQJWKHVHVRQJELUGVDQG
PXWWRQVDQGZLOGIORZHUV"$QGE\WKHZD\VD\V,NLQGRIORRNLQJ+2JGHQRYHUZDV
WKHUH DQ\ GHVFULSWLRQ PHQWLRQHG RI WKLV VLQJOHKDQGHG WHUURU" :DV KLV OLQHDPHQWV RU
KHLJKWDQGWKLFNQHVVRUWHHWKILOOLQJVRUVW\OHRIKDELOLPHQWVVHWIRUWKLQSULQW"
:K\QRVD\V2JGHQWKH\VD\QRERG\JRWDJRRGVLJKWRIKLPEHFDXVHKHZRUHD
PDVN%XW WKH\ NQRZ LWZDV D WUDLQUREEHUFDOOHG %ODFN %LOO EHFDXVHKH DOZD\V ZRUNV
DORQHDQGEHFDXVHKHGURSSHGDKDQGNHUFKLHILQWKHH[SUHVVFDUWKDWKDGKLVQDPHRQLW
$OOULJKWVD\V,,DSSURYHRI%ODFN%LOOVUHWUHDWWRWKHVKHHSUDQJHV,JXHVVWKH\
ZRQWILQGKLP
7KHUHVRQHWKRXVDQGGROODUVUHZDUGIRUKLVFDSWXUHVD\V2J
GHQ

,GRQWQHHGWKDWNLQGRIPRQH\VD\V,ORRNLQJ0U6KHHSPDQVWUDLJKWLQWKHH\H
7KHWZHOYHGROODUVDPRQWK\RXSD\PHLVHQRXJK,QHHGDUHVWDQG,FDQVDYHXSXQWLO,
JHWHQRXJKWRSD\P\IDUHWR7H[DUNDQDZKHUHP\ZLGRZHGPRWKHUOLYHV,I%ODFN%LOO
, JRHV RQ ORRNLQJ VLJQLILFDQWO\ DW 2JGHQ ZDV WR KDYH FRPH GRZQ WKLV ZD\²VD\ D
PRQWKDJR²DQGERXJKWDOLWWOHVKHHSUDQFKDQG²
6WRSVD\V2JGHQJHWWLQJRXWRIKLVFKDLUDQGORRNLQJSUHWW\YLFLRXV'R\RXPHDQ
WRLQVLQXDWH²
1RWKLQJVD\V,QRLQVLQXDWLRQV,PVWDWLQJ D K\SRGHUPLFDO FDVH , VD\LI%ODFN
%LOOKDGFRPHGRZQKHUHDQGERXJKWDVKHHSUDQFKDQGKLUHGPHWR/LWWOH%R\%OXHHP
DQGWUHDWHGPHVTXDUHDQGIULHQGO\DV\RXYHGRQHKHGQHYHUKDYHDQ\WKLQJWRIHDUIURP
PH$PDQLVDPDQUHJDUGOHVVRIDQ\FRPSOLFDWLRQVKHPD\KDYHZLWKVKHHSRUUDLOURDG
WUDLQV1RZ\RXNQRZZKHUH,VWDQG
2JGHQORRNVEODFNDVFDPSFRIIHHIRUQLQHVHFRQGVDQGWKHQKHODXJKVDPXVHG
<RXOOGR6DLQW&ODLUVD\VKH,I,ZDV%ODFN%LOO,ZRXOGQWEHDIUDLGWRWUXVW\RX
/HWVKDYHDJDPHRUWZRRIVHYHQXSWRQLJKW7KDWLVLI\RXGRQWPLQGSOD\LQJZLWKD
WUDLQUREEHU
,YHWROG\RXVD\V,P\RUDOVHQWLPHQWVDQGWKHUHVQRVWULQJVWRHP
:KLOH,ZDVVKXIIOLQJDIWHUWKHILUVWKDQG,DVNV2JGHQDVLIWKHLGHDZDVDNLQGRI
DFDVXDOW\ZKHUHKHZDVIURP
2KVD\VKHIURPWKH0LVVLVVLSSL9DOOH\
7KDWVDQLFHOLWWOHSODFHVD\V,,YHRIWHQVWRSSHGRYHU WKHUH%XWGLGQW\RXILQG
WKHVKHHWVD OLWWOHGDPSDQGWKHIRRG SRRU"1RZ,KDLOVD\V,IURPWKH3DFLILF6ORSH
(YHUSXWXSWKHUH"
7RRGUDXJKW\VD\V2JGHQ%XWLI\RXUHHYHULQWKH0LGGOH:HVWMXVWPHQWLRQP\
QDPHDQG\RXOOJHWIRRWZDUPHUVDQGGULSSHGFRIIHH
:HOOVD\V , , ZDVQWH[DFWO\ ILVKLQJ IRU\RXU SULYDWH WHOHSKRQHQXPEHUDQG WKH
PLGGOHQDPHRI\RXUDXQWWKDWFDUULHGRIIWKH&XPEHUODQG3UHVE\WHULDQPLQLVWHU,WGRQW
PDWWHU,MXVW ZDQW\RXWRNQRZ\RXDUH VDIHLQWKHKDQGVRI\RXU VKHSKHUG1RZGRQW
SOD\KHDUWVRQVSDGHVDQGGRQWJHWQHUYRXV
6WLOOKDUSLQJVD\V2JGHQODXJKLQJDJDLQ 'RQW \RX VXSSRVH WKDW LI,ZDV%ODFN
%LOO DQG WKRXJKW \RX VXVSHFWHG PH ,G SXW D :LQFKHVWHU EXOOHW LQWR \RX DQG VWRS P\
QHUYRXVQHVVLI,KDGDQ\"
1RWDQ\VD\V,$PDQZKRVJRWWKHQHUYHWRKROGXSDWUDLQ VLQJOHKDQGHG
ZRXOGQWGRDWULFNOLNHWKDW,YHNQRFNHGDERXWHQRXJKWRNQRZWKDWWKHPDUHWKHNLQGRI
PHQ ZKR SXW D YDOXH RQ D IULHQG 1RW WKDW , FDQ FODLP EHLQJ D IULHQG RI \RXUV 0U
2JGHQVD\V,EHLQJRQO\\RXUVKHHSKHUGHUEXWXQGHUPRUHH[SHGLWLRXVFLUFXPVWDQFHV
ZHPLJKWKDYHEHHQ
)RUJHWWKHVKHHSWHPSRUDULO\,EHJVD\V2JGHQDQGFXWIRUGHDO
$ERXWIRXUGD\VDIWHUZDUGZKLOHP\PXWWRQVZDVQRRQLQJRQWKHZDWHUKROHDQG,
GHHSLQWKHLQWHUVWLFHVRIPDNLQJDSRWRIFRIIHHXSULGHVVRIWO\RQWKHJUDVVDP\VWHULRXV
SHUVRQ LQ WKH JDUE RI WKH EHLQJ KH ZLVKHG WR UHSUHVHQW +H ZDV GUHVVHG VRPHZKHUH
EHWZHHQD.DQVDV&LW\GHWHFWLYH%XIIDOR%LOODQGWKHWRZQGRJFDWFKHURI%DWRQ5RXJH
+LVFKLQDQGH\HZDVQWPROGHGRQILJKWLQJOLQHVVR,NQHZKHZDVRQO\DVFRXW
+HUGLQVKHHS"KHDVNVPH
:HOOVD\V , WRDPDQRI \RXU HYLGHQWJXPSWLRQDOHQGRZPHQWV,ZRXOGQWKDYH
WKHQHUYHWRVWDWHWKDW,DPHQJDJHGLQGHFRUDWLQJROGEURQ]HVRURLOLQJELF\FOHVSURFNHWV
<RXGRQWWDONRUORRNOLNHDVKHHSKHUGHUWRPHVD\VKH
%XW\RXWDONOLNHZKDW\RXORRNOLNHWRPHVD\V,

$QGWKHQ KH DVNV PHZKR , ZDV ZRUNLQJIRU DQG ,VKRZVKLP 5DQFKR &KLTXLWR
WZRPLOHVDZD\LQWKHVKDGRZRIDORZKLOODQGKHWHOOVPHKHVDGHSXW\VKHULII
7KHUHVD WUDLQUREEHUFDOOHG %ODFN %LOOVXSSRVHGWREHVRPHZKHUHLQWKHVH SDUWV
VD\VWKHVFRXW+HVEHHQWUDFHGDVIDUDV6DQ$QWRQLRDQGPD\EHIDUWKHU+DYH\RXVHHQ
RUKHDUGRIDQ\VWUDQJHUVDURXQGKHUHGXULQJWKHSDVWPRQWK"
,KDYHQRWVD\V,H[FHSWDUHSRUWRIRQHRYHUDWWKH0H[LFDQTXDUWHUVRI/RRPLV
UDQFKRQWKH)ULR
:KDWGR\RXNQRZDERXWKLP"DVNVWKHGHSXW\
+HVWKUHHGD\VROGVD\V,
:KDWNLQGRI DORRNLQJPDQLVWKH PDQ\RXZRUNIRU"KHDVNV'RHVROG*HRUJH
5DPH\RZQWKLVSODFH \HW"+HV UXQ VKHHS KHUHIRUWKHODVWWHQ\HDUVEXWQHYHUKDGQR
VXFFHVV
7KH ROG PDQ KDV VROG RXW DQG JRQH :HVW , WHOOV KLP $QRWKHU VKHHSIDQFLHU
ERXJKWKLPRXWDERXWDPRQWKDJR
:KDWNLQGRIDORRNLQJPDQLVKH"DVNVWKHGHSXW\DJDLQ
2KVD\V ,D ELJIDW NLQG RI D 'XWFKPDQ ZLWK ORQJ ZKLVNHUVDQG EOXH VSHFV ,
GRQW WKLQN KH NQRZV D VKHHS IURP D JURXQGVTXLUUHO , JXHVV ROG *HRUJH VRDNHG KLP
SUHWW\ZHOORQWKHGHDOVD\V,
$IWHU LQGXOJLQJ KLPVHOI LQ D ORW PRUH QRQFRPPXQLFDWLYH LQIRUPDWLRQ DQG WZR
WKLUGVRIP\GLQQHUWKHGHSXW\ULGHVDZD\
7KDWQLJKW,PHQWLRQVWKHPDWWHUWR2JGHQ
7KH\UHGUDZLQJWKHWHQGULOVRI WKH RFWRSXVDURXQG%ODFN%LOOVD\V,$QGWKHQ,
WROGKLPDERXWWKHGHSXW\VKHULIIDQGKRZ,GGHVFULEHGKLPWRWKHGHSXW\DQGZKDWWKH
GHSXW\VDLGDERXWWKHPDWWHU
2KZHOOVD\V2JGHQOHWVGRQWERUURZDQ\RI%ODFN%LOOVWURXEOHV:HYHDIHZ
RIRXU RZQ*HWWKH%RXUERQ RXWRIWKHFXSERDUGDQGZHOOGULQNWRKLV KHDOWK²XQOHVV
VD\VKHZLWKKLVOLWWOHFDFNOLQJODXJK\RXUHSUHMXGLFHGDJDLQVWWUDLQUREEHUV
,OOGULQNVD\V, WR DQ\ PDQZKRVDIULHQGWRDIULHQG$QG,EHOLHYH WKDW %ODFN
%LOO,JRHVRQZRXOGEHWKDW6RKHUHVWR%ODFN%LOODQGPD\KHKDYHJRRGOXFN
$QGERWKRIXVGUDQN
$ERXWWZRZHHNV ODWHU FRPHV VKHDULQJWLPH7KHVKHHSKDGWREHGULYHQ XSWRWKH
UDQFKDQGDORWRIIURZ]\KHDGHG0H[LFDQVZRXOGVQLSWKHIXURIIRIWKHPZLWKEDFN
DFWLRQVFLVVRUV6RWKHDIWHUQRRQEHIRUHWKHEDUEHUVZHUHWRFRPH,KXVWOHGP\XQGHUGRQH
PXWWRQVRYHUWKH KLOO DFURVVWKHGHOOGRZQE\WKHZLQGLQJEURRNDQG XS WRWKHUDQFK
KRXVHZKHUH,SHQQHGHPLQDFRUUDODQGEDGHHPP\QLJKWO\DGLHXV
,ZHQWIURPWKHUHWRWKHUDQFKKRXVH,ILQG+2JGHQ(VTXLUHO\LQJDVOHHSRQKLV
OLWWOHFRWEHG,JXHVVKHKDGEHHQRYHUFRPHE\DQWLLQVRPQLDRUGLVZDNHIXOQHVVRUVRPH
RI WKH GLVHDVHV SHFXOLDU WR WKH VKHHS EXVLQHVV +LV PRXWK DQG YHVWZHUHRSHQDQGKH
EUHDWKHGOLNHDVHFRQGKDQGELF\FOH SXPS,ORRNHGDWKLPDQGJDYHYHQWWRMXVWDIHZ
PXVLQJV,PSHULDO&DHVDUVD\V,DVOHHSLQVXFKDZD\PLJKWVKXWKLVPRXWKDQGNHHS
WKHZLQGDZD\
$PDQDVOHHSLVFHUWDLQO\DVLJKWWRPDNHDQJHOVZHHS:KDWJRRGLVDOOKLVEUDLQ
PXVFOH EDFNLQJ QHUYH LQIOXHQFH DQG IDPLO\ FRQQHFWLRQV" +HV DW WKH PHUF\ RI KLV
HQHPLHVDQGPRUH VR RIKLVIULHQGV$QGKHVDERXWDV EHDXWLIXODVDFDEKRUVHOHDQLQJ
DJDLQVWWKH0HWURSROLWDQ2SHUD+RXVHDW $0 GUHDPLQJ RI WKH SODLQV RI $UDELD
1RZDZRPDQDVOHHS\RXUHJDUGDVGLIIHUHQW1RPDWWHUKRZVKHORRNV\RXNQRZLWV
EHWWHUIRUDOOKDQGVIRUKHUWREHWKDWZD\

:HOO,WRRNDGULQNRI%RXUERQDQGRQHIRU2JGHQDQGVWDUWHGLQWREHFRPIRUWDEOH
ZKLOHKHZDVWDNLQJKLVQDS+HKDGVRPHERRNVRQKLVWDEOHRQLQGLJHQRXVVXEMHFWVVXFK
DV-DSDQDQGGUDLQDJHDQGSK\VLFDOFXOWXUH²DQG VRPHWREDFFR ZKLFK VHHPHG PRUH WR
WKHSRLQW
$IWHU,GVPRNHGDIHZDQGOLVWHQHGWRWKHVDUWRULDOEUHDWKLQJRI+2,KDSSHQHG
WR ORRN RXW WKH ZLQGRZ WRZDUG WKH VKHDULQJSHQV ZKHUH WKHUH ZDV D NLQG RI D URDG
FRPLQJXSIURPDNLQGRIDURDGDFURVVDNLQGRIDFUHHNIDUWKHUDZD\
,VDZILYHPHQULGLQJXSWRWKHKRXVH$OORIHPFDUULHGJXQVDFURVVWKHLUVDGGOHV
DQGDPRQJHPZDVWKHGHSXW\WKDWKDGWDONHGWRPHDWP\FDPS
7KH\URGHXSFDUHIXOLQRSHQIRUPDWLRQZLWKWKHLUJXQVUHDG\,VHWDSDUWZLWKP\
H\HWKHRQH,RSLQLRQDWHGWREHWKHERVVPXFNUDNHURIWKLVODZDQGRUGHUFDYDOU\
*RRGHYHQLQJJHQWVVD\V,:RQW\RXOLJKWDQGWLH\RXUKRUVHV"
7KH ERVV ULGHV XS FORVH DQG VZLQJV KLV JXQ RYHU WLOO WKH RSHQLQJ LQ LW VHHPV WR
FRYHUP\ZKROHIURQWHOHYDWLRQ
'RQW\RX PRYH\RXUKDQGVQRQHVD\VKH WLOO\RXDQGPHLQGXOJHLQDDGHTXDWH
DPRXQWRIQHFHVVDU\FRQYHUVDWLRQ
,ZLOOQRWVD\V,,DPQRGHDIPXWHDQG WKHUHIRUHZLOOQRWKDYH WRGLVREH\\RXU
LQMXQFWLRQVLQUHSO\LQJ
:HDUHRQWKHORRNRXWVD\VKHIRU%ODFN%LOOWKHPDQWKDWKHOGXSWKH.DW\IRU
LQ0D\:HDUHVHDUFKLQJWKHUDQFKHVDQGHYHU\ERG\RQHP:KDWLV\RXUQDPH
DQGZKDWGR\RXGRRQWKLVUDQFK"
&DSWDLQ VD\V , 3HUFLYDO 6DLQW &ODLU LV P\ RFFXSDWLRQ DQG P\ QDPH LV VKHHS
KHUGHU,YHJRWP\IORFNRIYHDOV²QRPXWWRQV²SHQQHGKHUHWRQLJKW7KHVKHDUHUVDUH
FRPLQJWRPRUURZWRJLYHWKHPDKDLUFXW²ZLWKEDDDUXP,VXSSRVH
:KHUHVWKHERVVRIWKLVUDQFK"WKHFDSWDLQRIWKHJDQJDVNVPH
:DLWMXVWDPLQXWHFDSQVD\V , :DVQWWKHUHDNLQGRIDUHZDUGRIIHUHGIRU WKH
FDSWXUHRIWKLVGHVSHUDWHFKDUDFWHU\RXKDYHUHIHUUHGWRLQ\RXUSUHDPEOH"
7KHUHVDWKRXVDQGGROODUVUHZDUGRIIHUHGVD\VWKHFDSWDLQEXWLWVIRUKLVFDSWXUH
DQGFRQYLFWLRQ7KHUHGRQWVHHPWREHQRSURYLVLRQPDGHIRUDQLQIRUPHU
,WORRNVOLNHLW PLJKW UDLQ LQ DGD\RUVRVD\V,LQDWLUHGZD\ORRNLQJXS DW WKH
FHUXOHDQEOXHVN\
,I\RXNQRZDQ\WKLQJ DERXW WKH ORFDOLW\ GLVSRVLWLRQ RUVHFUHWLYHQHVVRIWKLVKHUH
%ODFN%LOOVD\VKHLQDVHYHUHGLDOHFW\RXDUHDPLDEOHWRWKHODZLQQRWUHSRUWLQJLW
,KHDUGDIHQFHULGHUVD\VD\V,LQDGHVXOWRU\NLQGRIYRLFHWKDWD0H[LFDQWROGD
FRZER\QDPHG-DNHRYHUDW3LGJLQVVWRUHRQWKH1XHFHVWKDWKHKHDUGWKDW%ODFN%LOOKDG
EHHQVHHQLQ0DWDPRUDVE\DVKHHSPDQVFRXVLQWZRZHHNVDJR
7HOO \RX ZKDW ,OOGR 7LJKW 0RXWK VD\V WKH FDSWDLQ DIWHU ORRNLQJ PH RYHU IRU
EDUJDLQV,I\RXSXWXVRQVRZHFDQVFRRS%ODFN%LOO,OOSD\\RXDKXQGUHGGROODUVRXW
RI P\ RZQ²RXW RI RXU RZQ²SRFNHWV 7KDWV OLEHUDO VD\V KH <RX DLQW HQWLWOHG WR
DQ\WKLQJ1RZZKDWGR\RXVD\"
&DVKGRZQQRZ",DVNV
7KHFDSWDLQ KDV D VRUW RI GLVFXVVLRQ ZLWKKLV KHOSPDWHV DQGWKH\DOO SURGXFHWKH
FRQWHQWVRIWKHLUSRFNHWVIRUDQDO\VLV2XWRIWKHJHQHUDOUHVXOWVWKH\ILJXUHGXS
LQFDVKDQGZRUWKRISOXJWREDFFR
&RPHQHDUHUFDSWDLQPHHRVD\V,DQGOLVWHQ+HVRGLG
,DP PLJKW\SRRU DQGORZ GRZQ LQ WKHZRUOG VD\V , , DP ZRUNLQJ IRU WZHOYH
GROODUVDPRQWKWU\LQJWRNHHSDORWRIDQLPDOVWRJHWKHUZKRVHRQO\WKRXJKWVHHPVWREH
WRJHWDVXQGHU$OWKRXJKVD\V,,UHJDUGP\VHOIDVVRPHEHWWHUWKDQWKH6WDWHRI6RXWK

'DNRWDLWVDFRPHGRZQWRDPDQZKRKDVKHUHWRIRUHUHJDUGHGVKHHSRQO\LQWKHIRUPRI
FKRSV,PSUHWW\IDUUHGXFHGLQWKHZRUOGRQDFFRXQWRIIRLOHGDPELWLRQVDQGUXPDQGD
NLQGRIFRFNWDLOWKH\PDNHDORQJWKH355DOOWKHZD\IURP6FUDQWRQWR&LQFLQQDWL²
GU\JLQ)UHQFKYHUPRXWKRQHVTXHH]HRIDOLPHDQGDJRRGGDVKRIRUDQJHELWWHUV,I
\RXUHHYHUXSWKDWZD\GRQWIDLOWROHWRQHWU\\RX$QGDJDLQVD\V,,KDYHQHYHU\HW
ZHQWEDFN RQ D IULHQG ,YH VWD\HG E\HP ZKHQ WKH\ KDG SOHQW\ DQG ZKHQ DGYHUVLW\V
RYHUWDNHQPH,YHQHYHUIRUVRRNHP
%XW, JRHVRQWKLVLVQRW H[DFWO\WKHFDVHRIDIULHQG 7ZHOYHGROODUVDPRQWKLV
RQO\ERZLQJDFTXDLQWDQFHPRQH\$QG,GRQRWFRQVLGHUEURZQEHDQVDQGFRUQEUHDGWKH
IRRGRIIULHQGVKLS,DPDSRRUPDQVD\V,DQG,KDYHDZLGRZHGPRWKHULQ7H[DUNDQD
<RXZLOOILQG%ODFN%LOOVD\V,O\LQJDVOHHSLQWKLVKRXVHRQDFRWLQWKHURRPWR\RXU
ULJKW+HVWKHPDQ\RX ZDQW DV,NQRZIURPKLVZRUGVDQGFRQYHUVDWLRQ+HZDV LQ D
ZD\DIULHQG,H[SODLQVDQGLI,ZDVWKHPDQ,RQFHZDVWKHHQWLUHSURGXFWRIWKHPLQHV
RI*RQGRODZRXOGQRW KDYHWHPSWHGPHWREHWUD\KLP%XWVD\V , HYHU\ZHHNKDOIRI
WKHEHDQVZDVZRUP\DQGQRWQLJKHQRXJKZRRGLQFDPS
%HWWHUJRLQFDUHIXOJHQWOHPHQVD\V,+HVHHPVLPSDWLHQWDWWLPHVDQGZKHQ\RX
WKLQNRI KLVODWHSURIHVVLRQDOSXUVXLWVRQHZRXOGORRNIRUDEUXSWDFWLRQVLIKHZDVFRPH
XSRQVXGGHQ
6RWKHZKROHSRVVHXQPRXQWVDQGWLHVWKHLUKRUVHVDQGXQOLPEHUVWKHLUDPPXQLWLRQ
DQGHTXLSPHQWVDQGWLSWRHVLQWRWKHKRXVH$QG,IROORZVOLNH'HOLODKZKHQVKHVHWWKH
3KLOLS6WHLQVRQWR6DPVRQ
7KHOHDGHURIWKHSRVVHVKDNHV2JGHQDQGZDNHVKLPXS$QGWKHQ KHMXPSVXS
DQG WZR PRUH RI WKH UHZDUGKXQWHUV JUDE KLP 2JGHQ ZDV PLJKW\ WRXJK ZLWK DOO KLV
VOLPQHVVDQGKHJLYHVHPDVQHDWDVLQJOHIRRWHGWXVVOHDJDLQVWRGGVDV,HYHUVHH
:KDWGRHVWKLVPHDQ"KHVD\VDIWHUWKH\KDGKLPGRZQ
<RXUHVFRRSHGLQ0U%ODFN%LOOVD\VWKHFDSWDLQ7KDWVDOO
,WVDQRXWUDJHVD\V+2JGHQPDGGHU\HW
,W ZDV VD\V WKH SHDFHDQGJRRGZLOO PDQ 7KH .DW\ ZDVQW ERWKHULQJ \RX DQG
WKHUHVDODZDJDLQVWPRQNH\LQJZLWKH[SUHVVSDFNDJHV
$QGKHVLWV RQ+2JGHQVVWRPDFKDQGJRHVWKURXJKKLVSRFNHWVV\PSWRPDWLFDOO\
DQGFDUHIXO
,OOPDNH\RX SHUVSLUHIRUWKLVVD\V2JGHQSHUVSLULQJVRPHKLPVHOI,FDQ SURYH
ZKR,DP
6R FDQ , VD\V WKH FDSWDLQ DV KH GUDZV IURP + 2JGHQV LQVLGH FRDWSRFNHW D
KDQGIXO RI QHZ ELOOV RI WKH 6HFRQG 1DWLRQDO %DQN RI (VSLQRVD &LW\ <RXU UHJXODU
HQJUDYHG7XHVGD\VDQG)ULGD\VYLVLWLQJFDUGZRXOGQWKDYHDORXGHUYRLFHLQSURFODLPLQJ
\RXULQGHPQLW\WKDQWKLVKHUHFXUUHQF\ <RX FDQ JHW XS QRZ DQGSUHSDUHWRJRZLWKXV
DQGH[SDWULDWH\RXUVLQV
+2JGHQJHWVXSDQGIL[HVKLVQHFNWLH+HVD\VQRPRUHDIWHUWKH\KDYHWDNHQWKH
PRQH\RIIRIKLP
$ZHOOJUHDVHGLGHDVD\VWKHVKHULIIFDSWDLQDGPLULQJWRVOLSRIIGRZQKHUHDQG
EX\DOLWWOHVKHHSUDQFKZKHUHWKHKDQGRIPDQLVVHOGRPKHDUG,WZDVWKHVOLFNHVWKLGH
RXW,HYHUVHHVD\VWKHFDSWDLQ
6R RQH RI WKH PHQ JRHV WR WKH VKHDULQJSHQ DQG KXQWV XS WKH RWKHU KHUGHU D
0H[LFDQWKH\FDOO-RKQ6DOOLHVDQGKHVDGGOHV2JGHQVKRUVHDQGWKHVKHULIIVDOOULGHXS
FORVHDURXQGKLPZLWKWKHLUJXQVLQKDQGUHDG\WRWDNHWKHLUSULVRQHUWRWRZQ
%HIRUHVWDUWLQJ2JGHQSXWVWKHUDQFKLQ -RKQ 6DOOLHV KDQGV DQGJLYHVKLPRUGHUV
DERXWWKHVKHDULQJDQGZKHUHWRJUD]HWKHVKHHSMXVWDVLIKHLQWHQGHGWREHEDFNLQDIHZ

GD\V$QGDFRXSOHRIKRXUVDIWHUZDUGRQH3HUFLYDO6DLQW&ODLUDQH[VKHHSKHUGHURIWKH
5DQFKR&KLTXLWRPLJKWKDYHEHHQVHHQZLWKDKXQGUHGDQGQLQHGROODUV²ZDJHVDQG
EORRGPRQH\²LQKLVSRFNHWULGLQJVRXWKRQDQRWKHUKRUVHEHORQJLQJWRVDLGUDQFK
7KH UHGIDFHG PDQ SDXVHG DQG OLVWHQHG 7KH ZKLVWOH RI D FRPLQJ IUHLJKWWUDLQ
VRXQGHGIDUDZD\DPRQJWKHORZKLOOV
7KH IDW VHHG\ PDQ DW KLV VLGH VQLIIHG DQG VKRRN KLV IURZ]\ KHDG VORZO\ DQG
GLVSDUDJLQJO\
:KDWLVLW6QLS\"DVNHGWKHRWKHU*RWWKHEOXHVDJDLQ"
1R,DLQWVDLGWKHVHHG\ RQHVQLIILQJDJDLQ%XW,GRQWOLNH\RXUWDON<RXDQG
PHKDYHEHHQIULHQGVRIIDQGRQIRUILIWHHQ\HDUDQG,QHYHU\HWNQHZRUKHDUGRI\RX
JLYLQJDQ\ERG\XSWRWKHODZ²QRWQRRQH$QGKHUHZDVDPDQZKRVHVDOHUDWXV\RXKDG
HWDQGDWZKRVHWDEOH\RXKDGSOD\HGJDPHVRIFDUGV²LIFDVLQRFDQEHVRFDOOHG$QG\HW
\RXLQIRUPKLPWRWKHODZDQGWDNHPRQH\IRULW,WQHYHUZDVOLNH\RX,VD\
7KLV+2JGHQUHVXPHGWKHUHGIDFHGPDQWKURXJKDODZ\HUSURYHGKLPVHOIIUHH
E\DOLELVDQGRWKHUOHJDOWHUPLQDOLWLHVDV,VRKHDUGDIWHUZDUG+HQHYHUVXIIHUHGQRKDUP
+HGLGPHIDYRUVDQG,KDWHGWRKDQGKLPRYHU
+RZDERXWWKHELOOVWKH\IRXQGLQKLVSRFNHW"DVNHGWKHVHHG\PDQ
,SXWHPWKHUHVDLGWKHUHGIDFHGPDQZKLOHKHZDVDVOHHSZKHQ,VDZWKHSRVVH
ULGLQJ XS , ZDV %ODFN %LOO /RRNRXW 6QLS\ KHUH VKH FRPHV :HOO ERDUG KHU RQ WKH
EXPSHUVZKHQVKHWDNHVZDWHU
-())3(7(56$6$3(5621$/0$*1(7
-HII 3HWHUV KDV EHHQ HQJDJHG LQ DV PDQ\ VFKHPHV IRU PDNLQJ PRQH\DVWKHUHDUH
UHFLSHVIRUFRRNLQJULFHLQ&KDUOHVWRQ6&
%HVWRIDOO,OLNHWRKHDUKLPWHOORIKLVHDUOLHUGD\VZKHQKHVROGOLQLPHQWVDQGFRXJK
FXUHVRQ VWUHHW FRUQHUV OLYLQJ KDQG WR PRXWKKHDUW WRKHDUW ZLWKWKH SHRSOH WKURZLQJ
KHDGVRUWDLOVZLWKIRUWXQHIRUKLVODVWFRLQ
,VWUXFN)LVKHU+LOO$UNDQVDZVDLGKHLQDEXFNVNLQVXLWPRFFDVLQV ORQJ KDLU
DQGDWKLUW\FDUDWGLDPRQGULQJWKDW,JRWIURPDQDFWRULQ7H[DUNDQD,GRQWNQRZZKDW
KHHYHUGLGZLWKWKHSRFNHWNQLIH,VZDSSHGKLPIRULW
,ZDV'U:DXJKKRRWKH FHOHEUDWHG,QGLDQPHGLFLQHPDQ,FDUULHGRQO\RQHEHVW
EHW MXVW WKHQ DQG WKDW ZDV 5HVXUUHFWLRQ %LWWHUV ,W ZDV PDGH RI OLIHJLYLQJ SODQWV DQG
KHUEVDFFLGHQWDOO\GLVFRYHUHGE\7DTXDODWKHEHDXWLIXOZLIHRIWKHFKLHIRIWKH&KRFWDZ
1DWLRQZKLOHJDWKHULQJWUXFNWRJDUQLVKDSODWWHURIERLOHGGRJIRUWKHDQQXDOFRUQGDQFH
%XVLQHVVKDGQWEHHQJRRGLQWKHODVWWRZQVR,RQO\KDGILYHGROODUV,ZHQWWRWKH
)LVKHU+LOOGUXJJLVWDQGKHFUHGLWHGPHIRUKDOIDJURVVRIHLJKWRXQFHERWWOHVDQGFRUNV,
KDGWKHODEHOVDQG LQJUHGLHQWV LQ P\ YDOLVHOHIWRYHU IURP WKH ODVWWRZQ/LIH EHJDQ WR
ORRNURV\DJDLQDIWHU,JRWLQP\KRWHOURRPZLWKWKHZDWHUUXQQLQJIURPWKHWDSDQGWKH
5HVXUUHFWLRQ%LWWHUVOLQLQJXSRQWKHWDEOHE\WKHGR]HQ
)DNH" 1R VLU 7KHUH ZDV WZR GROODUV ZRUWK RI IOXLG H[WUDFW RI FLQFKRQD DQG D
GLPHV ZRUWK RI DQLOLQH LQ WKDW KDOIJURVV RI ELWWHUV ,YH JRQH WKURXJK WRZQV \HDUV
DIWHUZDUGVDQGKDGIRONVDVNIRUHPDJDLQ
,KLUHGDZDJRQWKDWQLJKWDQGFRPPHQFHGVHOOLQJWKHELWWHUVRQ0DLQ6WUHHW)LVKHU
+LOO ZDV D ORZ PDODULDO WRZQ DQG D FRPSRXQG K\SRWKHWLFDO SQHXPRFDUGLDF DQWL
VFRUEXWLFWRQLFZDV MXVW ZKDW,GLDJQRVHG WKH FURZG DVQHHGLQJ7KHELWWHUVVWDUWHGRII
OLNHVZHHWEUHDGVRQWRDVWDWDYHJHWDULDQGLQQHU,KDGVROGWZRGR]HQDWILIW\FHQWVDSLHFH
Соседние файлы в предмете [НЕСОРТИРОВАННОЕ]
