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Attaihbfnt

Bonobub Ytaneares jmr Sromrotozatomn ane Hane`ong

Kmrrmwfr Jo`fs woth Obbonfnt Jmrfi`msurf Ya`f

(Apro` ;9, ;319/

Sagf 1 mj 5

Mpfratong staneares jmr sihfeu`fe jmrfi`msurf sa`fs

Uhf bonobub staneares sft jmrth on thos guoeanif rfj`fit smune kusonfss praitoifs that shmu`e 

 kf part mj a bmrtgagf sfrvoifr's mngmong im``fitomns, `mss botogatomn ane jmrfi`msurf prmifssong

junitomns. Aiimreong`y, thf Jfefra` [fsfrvf rfquorfs that a` statf bfbkfr kands, kand ane 

savongs ane `man hm`eong imbpanofs (oni`ueong thfor nmn"kand suksoeoarofs/, ane V.Y. kranihfs

ane agfniofs mj jmrfogn kandong mrganozatomns that sfrvoif rfsoefntoa` bmrtgagf `mans

onimrpmratf thos guoeanif ontm thfor mngmong kusonfss prmifssfs. Jao`urf tm imbp`y woth thos

guoeanif bay rfsu t on unsajf ane unsmune kandong praitoifs, nmn"imbp`oanif woth jmrfi`msurf

rf`atfe imnsfnt mrefrs, as app`oiak`f, ane-mr rfquorf rfsiossomn mj imbp`ftfe jmrfi`msurfs.

Surpmsf Uhos guoeanif imnjorbs thf bonobub staneares jmr thf hane`ong

ane promrotozatomn mj kmrrmwfr jo`fs that arf suklfit tm an obbonfnt

(wothon :3 eays/ sihfeu fe jmrfi`msurf sa f. Uhf purpmsf mj thos

guoeanif os tm fnsurf that kmrrmwfrs wo` nmt `msf thfor hmbfs

wothmut thfor jo fs rfifovong, at a bonobub, a prf"jmrfi`msurf sa`f

rfvofw imneuitfe unefr thf staneares `ostfe on thos guoeanif,

whoih a`sm hf`p tm fnsurf `man bmeojoiatomns wfrf imnsoefrfe as

apprmproatf.

Yfrvoifrs mj rfsoefntoa` bmrtgagfs shmu`e usf thfsf rfvofw ane 

va`oeatomn staneares tm eftfrbonf whfthfr a sihfeu fe jmrfi`msurf

sa`f shmu`e kf pmstpmnfe, suspfnefe mr ianif``fe euf tm irotoia`

jmrfi`msurf efjfits on a kmrrmwfr's jo f. Uhfsf bonobub rfvofw

irotfroa arf ontfnefe tm fnsurf a `fvf` mj imnsostfniy airmss

sfrvoifrs, nmt tm supp`ant rfvofw ane va`oeatomn prmifeurfs that gm

 kfymne thfsf bonobubs. Yfrvoifrs that iurrfnt`y app`y bmrf

than thfsf bonobub staneares as part mj thfor mwn prf"jmrfi`msurf

sa f rfvofw ane va`oeatomn prmifeurfs arf fxpfitfe tm imntonuf tm

em sm.

Uhfsf staneares arf nmt ontfnefe tm onimrpmratf thf jona ru`fs

abfneong [fgu`atomn X ane [fgu`atomn \ ossufe ky thfImnsubfr Jonanioa` Srmtfitomn Kurfau (IJSK/ mn Lanuary 17,

;319, ane fjjfitovf mn Lanuary 13, ;315, whoih gmvfrn bmrtgagf

sfrvoifrs' `mss botogatomn ane jmrfi`msurf prmifssong junitomns.

Uhf Jfefra` [fsfrvf fxpfits that a`` sfrvoifrs wo`` unefrtadf

apprmproatf aitomn on a tobf`y bannfr tm fnsurf thfor praitoifs

wo ` kf imbp`oant woth thf nfw ru`fs ky thf fjjfitovf eatf.

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Sagf ; mj 5

Mvfrvofw Yfrvoifrs mj rfsoefntoa` bmrtgagfs shmu`e bmnotmr a` kmrrmwfr 

jo fs on thf jmrfi`msurf prmifss mn at `fast a wffd`y kasos tm

eftfrbonf oj a jmrfi`msurf sa`f os sihfeu`fe wothon thf nfxt :3

eays. Uhf sfrvoifr shmu`e obp fbfnt prmifeurfs tm pfrjmrb ane 

emiubfnt a tobf`y prf" jmrfi`msurf sa f rfvofw aiimreong tm thf

irotfroa sft mut on thos guoeanif ane apprmproatf`y pmstpmnf,

suspfne mr ianif` thf sihfeu`fe jmrfi`msurf sa`f whfn warrantfe.

Uhf sfrvoifr wo` prmbpt`y eftfrbonf whfthfr thf kmrrmwfr os

iurrfnt`y on an aitovf `mss botogatomn prmgrab mr os kfong aitovf`y

imnsoefrfe jmr mr has rfqufstfe imnsoefratomn unefr thf Hmbf

Ajjmreak`f Bmeojoiatomn Srmgrab (HABS/ mr mthfr bmeojoiatomn

mr `mss botogatomn prmgrab as jurthfr efjonfe on staneare nubkfr ?

 kf`mw, ane whfthfr jurthfr jmrfi`msurf prmiffeongs ane-mr thf

sihfeu fe jmrfi`msurf sa`f shmu`e kf pmstpmnfe, suspfnefe mr 

ianif``fe as rfquorfe ky prmgrab staneares as app`oiak`f.

Uhf jm``mwong staneares arf a nmn"fxhaustovf `ost mj irotfroa jmr 

whoih an fxifptomn wmu`e warrant pmstpmnfbfnt, suspfnsomn mr 

ianif``atomn mj a jmrfi`msurf sa`f unto` thf Bonobub Srf"

Jmrfi`msurf Ya f [fvofw Ytaneares arf satosjofe. As nmtfe 

akmvf, oneovoeua` sfrvoifrs bay app`y aeeotomna`

staneares-irotfroa tm pmstpmnf, suspfne mr ianif` a sihfeu fe 

jmrfi`msurf sa`f.

Any nfgatovf rfspmnsf tm thf Bonobub Srf"Jmrfi`msurf

[fvofw Ytaneares eftao`fe kf`mw wo ` kf imnsoefrfe a irotoia`

efjfit (fxifpt jmr staneare nubkfr 7 whfrf a pmsotovf rfspmnsfos a efjfit/ ane shmu e iausf thf sfrvoifr tm pmstpmnf, suspfne 

mr ianif` a sihfeu`fe jmrfi`msurf sa`f.

Onefpfnefnt imntrm` junitomns (suih as aueot, imbp`oanif, ane 

rosd banagfbfnt/ shmu e imnjorb ane emiubfnt sfrvoifr 

aehfrfnif tm thfor mwn sfrvoiong staneares-irotfroa ane thf

bonobub staneares on thos guoeanif thrmugh a prmgrab mj 

bmnotmrong, sabp`ong, ane tfstong mj sihfeu`fe ane imbp`ftfe 

jmrfi`msurf sa`fs.

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Sagf 9 mj 5

Bonobub

Srf"Jmrfi`msurf Ya`f

[fvofw Ytaneares

Eatf mj thf sihfeu`fe jmrfi`msurf sa`f<T k`and spaifjmr thfeatfR

Mnif thf eatf mj jmrfi`msurf os fstak`oshfe, thf sfrvoifr nffes tm

imnjorb thf jm``mwong onjmrbatomn kfjmrf jmrfi`msong<

1. Os thf `man's efjau`t status aiiuratf=

;. Emfs thf sfrvoifr havf ane ian efbmnstratf thf apprmproatf

`fga` authmroty tm jmrfi`msf (emiubfntfe assognbfnts, nmtf

fnemrsfbfnts, ane mthfr nfifssary `fga` emiubfntatomn, as

app`oiak`f/=

9. Havf rfquorfe jmrfi`msurf nmtoifs mr mthfr rfquorfe 

imbbunoiatomns tm thf kmrrmwfr mr mthfrs, as app`oiak`f, kffn

 prmvoefe on a tobf`y bannfr=

5. Has thf sfrvoifr tadfn a ` stfps nfifssary tm imnjorb whfthfr thf kmrrmwfr, im"kmrrmwfr, ane a` mk`ogmrs mn thf bmrtgagf,

trust effe, mr mthfr sfiuroty on thf naturf mj a bmrtgagf arf

fntot fe tm prmtfitomns unefr thf Yfrvoifbfbkfrs Iovo` [f`ofj 

Ait (YI[A/, oni`ueong runnong qufrofs thrmugh thf

Efpartbfnt mj Efjfnsf eatakasf= Oj thf kmrrmwfr, im"

 kmrrmwfr, mr mthfr mk`ogmr os suklfit tm YI[A prmtfitomns, has

thf sfrvoifr imbp`ofe woth a`` app`oiak`f `fga` rfquorfbfnts tm

jmrfi`msf=

6. Eftfrbonf whfthfr thf kmrrmwfr os on an aitovf kandruptiy.

Oj sm, emfs thf sfrvoifr havf emiubfntfe `fga` authmroty tmjmrfi`msf=

:. Eftfrbonf whfthfr thf `man os iurrfnt`y unefr `mss botogatomn

mr mthfr rftfntomn rfvofw mr suih rfvofw has kffn rfqufstfe ky

thf kmrrmwfr as part mj thf jmrfi`msurf prmifss. Oj sm, eoe thf

sfrvoifr nmtojy thf kmrrmwfr that a ` imneotomns nfifssary tm

fjjfit thf `mss botogatomn mr rftfntomn aitomn havf nmt kffn bft,

what os nffefe tm bfft thmsf imneotomns, ane thf eatf nfifssary

tm iurf thf efjoiofniofs tm avmoe jurthfr jmrfi`msurf aitomn= Oj a

 kmrrmwfr sukbottfe a imbp`ftf `man bmeojoiatomn app`oiatomn

ajtfr thf jmrfi`msurf rfjfrra`, eoe thf sfrvoifr imbp`y woth any

app`oiak`f eua` traid rfstroitomns=

7. Os thf kmrrmwfr iurrfnt`y on an aitovf troa `mss botogatomn p`an=

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Sagf 5 mj 5

8. Eftfrbonf whfthfr thf sfrvoifr aiifptfe any paybfnt jrmb thf

 kmrrmwfr on thf prfifeong :3 eays (that os, wfrf kmrrmwfr 

 paybfnts, oni`ueong ontfrfst, proniopa , jffs, mr fsirmw

 paybfnts, app`ofe tm thf kmrrmwfr's aiimunt mr rftaonfe on a

suspfnsf aiimunt/. Oj sm, eoe thf sfrvoifr i`far`y imbbunoiatf

tm thf kmrrmwfr that hf mr shf os nfothfr on nmr kfong imnsoefrfe 

jmr a `mss botogatomn prmgrab, ane that thf sfrvoifr's

aiifptanif mj thf paybfnt on nm way ajjfitfe thf status mj thf

jmrfi`msurf that os prmiffeong=

?. As app`oiak`f, was thf kmrrmwfr sm`oiotfe jmr ane mjjfrfe a `mss

botogatomn mptomn, suih as, thmsf rfquorfe ky HABS,

gmvfrnbfnt"spmnsmrfe fntfrprosfs (GYFs/, Jfefra` Hmusong

Aebonostratomn (JHA/, V.Y. Efpartbfnt mj Zftfrans Ajjaors

(ZA/, statf"`fvf` gmvfrnbfnt prmgrabs unefr V.Y. Efpartbfnt

mj Urfasury, mthfr thore party onvfstmr, mr thf sfrvoifr's `mss

botogatomn ane bmeojoiatomn prmgrabs= Um thf fxtfntapp`oiak`f, has thf sfrvoifr imbp`ofe woth ots `mss botogatomn

mk`ogatomns eftao`fe on thf Natomna` Bmrtgagf Yftt`fbfnt=

Havf any kmrrmwfr imbp`aonts, appfa`s, mr fsia`atomns kffn

imnsoefrfe ane aeerfssfe=

13. Was thf ju` y fxfiutfe `man bmeojoiatomn app`oiatomn sukbottfe 

 ky thf kmrrmwfr, as efjonfe ky thf app`oiak`f bmeojoiatomn

 prmgrab, ane rfvofwfe ky thf sfrvoifr as rfquorfe, oni`ueong

any tobf`onf mr nmtoif rfquorfbfnts=

11. Was thf bmeojoiatomn efiosomn imrrfit ane va`oeatfe as rfquorfe 

 ky thf app`oiak f bmeojoiatomn prmgrab (tm oni uef, asapp`oiak`f, imbp`oanif woth prmgrab rfquorfbfnts ane 

aiiuraiy mj ia`iu`atomns ane app`oiatomn mj thf nft prfsfnt

va`uf (NSZ/ tfst/ a`mng woth apprmproatf rfsm`utomn ane 

imbbunoiatomn mj any kmrrmwfr imbp aont, appfa`, mr 

fsia`atomn=

1;. Was thf kmrrmwfr mr thf kmrrmwfr's rfprfsfntatovf (suih as,

hmusong imunsf`mr mr attmrnfy/ nmtojofe mj thf `man bmeojoiatomn

efiosomn ane ratomna`f as rfquorfe ky thf app`oiak`f `mss

botogatomn prmgrab mr thfsf staneares=

19. Oj rfquorfe ky thf GYF mr mthfr onvfstmr, has thf sfrvoifr 

ifrtojofe tm thf attmrnfy imneuitong thf jmrfi`msurf that a `

ef`onqufniy banagfbfnt rfquorfbfnts havf kffn bft,

oni`ueong that thfrf os nfothfr an apprmvfe paybfnt p`an

arrangfbfnt nmr a jmrfi`msurf a`tfrnatovf mjjfr pfneong mr 

aiifptfe=