P acific O cean N

Page 4
Big Sur Guide
Carmel
Carmel Mission
Point Lobos
Garrapata State Park
Bottchers Gap Campground
Rocky Point Restaurant
1
Point Sur
Lighthouse
"VILLAGE SHOPS"
Old Coast Road
Andrew Molera State Park
Ventana Wildlife Discovery Center
Big Sur Campground & Cabins
Riverside Campground & Cabins
Ripplewood Resort
Glen Oaks Motel
Fernwood Resort/Campground
Big Sur Lodge
Pfeiffer Big Sur State Park
Ranger Station (Info.)
Ventana Inn & Spa
Hawthorne Gallery
Henry Miller Library
Deetjen's
Coast Gallery
Big Sur
Heartbeat Gift Gallery
Big Sur River Inn
Local Color
Maiden Publick House
Photograph by Daniel Bianchetta
Bixby Bridge
Hurricane Point
River
Redwood Grill
Coast Ridge Outfitters
Pfeiffer Beach
Post Office
Big Sur Deli
Big Sur Bakery
Big Sur Garden Gallery
Big Sur Coast Real Estate
Del Campo Gallery
Post Ranch Inn/Sierra Mar/
Post Ranch Mercantile
Nepenthe/Phoenix/Cafe Kevah
Esalen Institute
Partington Cove
Ventana
P
a
S A N TA
Julia Pfeiffer Burns State Park
McWay Falls
1
c
i
0RQDUFK%XWWHUÁ\ZLQWHUPLJUDWLRQWR%LJ6XU
i
M T N S
f
Lucia
New Camaldoli Hermitage
L U C I A
Wilderness
Big Creek Reserve
Lucia Lodge
+XPPLQJELUGLQ%LJ6XU
Photograph by Daniel Bianchetta
Big Sur Roadhouse
Ponderosa Campground
Nacimiento Campground
O
c
e
a
Salmon Creek Waterfall
Photograph by Daniel Bianchetta
c
Limekiln State Park
Kirk Creek Campground
Nacimiento-Ferguson Road
Mill Creek
Prewitt Creek
Sand Dollar Beach
Pacific Valley Ranger Station
Jade Cove Plaskett Creek
Treebones Resort
Gorda
Gorda Springs Resort
Whale Watchers Cafe
%L[E\%ULGJHIURP+XUULFDQH3RLQW
n
N
1
0
3
6
miles
Piedras Blancas
Lighthouse
Elephant Seal Rookery
Hearst Castle State Historical Monument
San Simeon Beach Bar & Grill
San Simeon San Simeon Lodge
Orca in the Monterey Bay National Marine Sanctuary
Big Sur, California
Photograph by Daniel Bianchetta
Ragged Point Inn
Big Sur Guide
3DJH
$UW*DOOHULHV*LIW6KRSV
%,*685*$5'(1*$//(5</RFDWHGDW/RPD9LVWD$EHDXWLIXOFRPELQDWLRQRIÀQHORFDOO\SURGXFHGDUWDQGMHZHOU\ZLWKH[RWLF
JLIWVIURPDURXQGWKHZRUOG)HDWXUHVKDQGFUDIWHGMDGHMHZHOU\
IRUDOOSULFHUDQJHVSOXVRQHRIDNLQGEHDGHGQHFNODFHVEUDFHOHWV
DQGHDUULQJV/RFDOO\SURGXFHGKHUEDOSURGXFWVFDUGVFDQGOHV
VRDSV DQG FORWKLQJ ELJVXUJDUGHQJDOOHU\FRP
%,*685/2'*(*,)76+23$QDUUD\RIHFOHFWLFJLIWV6WDWH
3DUNVRXYHQLUVMHZHOU\SRWWHU\WKHODUJHVWVHOHFWLRQRI7VKLUWV
VZHDWVKLUWVLQWKHDUHDDPSPGDLO\
ELJVXUORGJHFRP
&2$67 *$//(5< %,* 685 (VWDEOLVKHG LQ &RDVW
*DOOHU\ ZDV WKH ÀUVW JDOOHU\ LQ %LJ 6XU DQG LV WKH RQH RI WKH
ODUJHVW JDOOHULHV RI$PHULFDQ &UDIWV LQ WKH 86 IHDWXULQJ RYHU
0DVWHU &UDIWVPHQ +LJKZD\ PLOHV VRXWK RI &DUPHODQGPLOHVQRUWKRI+HDUVW&DVWOH$KLVWRULFODQGPDUN
ZLWK GLVWLQFWLYH ZDWHUWDQN DUFKLWHFWXUH WKH VI JDOOHU\
IHDWXUHV SURPLQHQW ORFDO DUWLVWV DQG LQWHUQDWLRQDO IDYRULWHV
FRDVWJDOOHULHVFRP
&2$67 5,'*( 287),77(56 ORFDWHG RQ +Z\ DW )HUQZRRG 5HVRUW 3URYLGLQJ FDPSJURXQG QHFHVVLWLHV IURP WHQWV
VOHHSLQJ EDJV ODQWHUQV PDSV EDFN FRXQWU\ LQIRUPDWLRQ
FRDVWULGJHRXWÀWWHUVFRP
'(/&$032*$//(5<)HDWXULQJRULJLQDOÀQHDUWE\%LJ6XU
artists including sculpture, painting, photography and sculptured
MHZHOU\*DUGHQ'DLO\&ORVHG0RQGD\V%\DSSRLQWPHQWGHOFDPSRJDOOHU\FRP
+$:7+251(*$//(5<5HSUHVHQWLQJWKHZRUNRI*UHJRU\
+DZWKRUQHDQGVL[DGGLWLRQDOWDOHQWHGPHPEHUVRIWKH+DZWKRUQH
IDPLO\ VHYHQ RWKHU QDWLRQDOO\ NQRZQ DUWLVWV LQ FRQWHPSRUDU\SDLQWLQJVFXOSWXUHEORZQJODVVFHUDPLFVDQGFORLVVRQp
/RFDWHGDFURVVIURP1HSHQWKH2SHQGDLO\DPSP
KDZWKRUQHJDOOHU\FRP
+($57%($7*,)7*$//(5<$QDGYHQWXUHLQVKRSSLQJIRU
WKHXQXVXDOH[RWLFDQGHURWLF$JUHDWYDULHW\FKRLFHDQGTXDOLW\RIMHZHOU\FORWKLQJDQGFROOHFWLEOHVIURPDURXQGWKHZRUOG
IHDWXULQJORFDO%LJ6XUODQGVFDSHSKRWRJUDSK\1H[WWRWKH%LJ
6XU5LYHU,QQKHDUWEHDWELJVXUFRP
+(15<0,//(5/,%5$5<DQRQSURÀWRUJDQL]DWLRQFKDPSLRQLQJWKHZRUNVRI+HQU\0LOOHU$WUHDVXUHRIÀQHERRNVDUW
DQGKLVWRU\RIWKHDUHD5DUHERRNV$YDLODEOHIRUVSHFLDOHYHQWV
:L)L,QWHUQHWDFFHVVKHQU\PLOOHURUJ
/2&$/&2/25&HQWUDO&RDVW$UWLVDQV*DOOHU\)HDWXULQJÀQH
DUWDVZHOODVKDQGFUDIWVE\ORFDODUWLVWV/DUJHYDULHW\RI%LJ
6XU-DGHUHGZRRGERZOVDQGWLHG\HGFORWKLQJ2SHQHYHU\GD\
&HOHEUDWLQJ\HDUVELJVXUORFDOFRORUFRP
1(: &$0$/'2/, +(50,7$*( /RFDWHG QHDU /XFLD ZH
RIIHUDQFRPELQDWLRQRIDUWSDLQWLQJVJLIWVDQGÀQHUHOLJLRXV
DQGVSLULWXDOERRNV2SHQGD\VDZHHNDQGIHDWXUHDUWFUHDWHG
E\PHPEHUVRIRXUFRPPXQLW\DQGORFDODUWLVWV-HZHOU\FDUGV
FDQGOHV DQG PRUH LQFOXGLQJ RXU +RO\ *UDQROD DQG IDPRXV
EUDQG\GLSSHGIUXLWFDNHVDQGGDWHQXWFDNHV;
FRQWHPSODWLRQFRP
3+2(1,; 6+23 LV D XQLTXH JLIW VKRS IHDWXULQJ H[FHSWLRQDO
PHUFKDQGLVH IURP DURXQG WKH ZRUOG DV ZHOO DV IURP ORFDO
DUWLVDQV +DQGFUDIWHG ÀQH MHZHOU\ KRPH GpFRU DQG IXUQLWXUH
ERXWLTXH FORWKLQJ ERRNV WR\V WH[WLOHV FHUDPLFV DQG SHUVRQDOFDUHSURGXFWVDUHMXVWVRPHRIWKHZLGHDUUD\RIFUHDWLYH
LWHPV IRU VDOH 7KH 3KRHQL[ LV SURXG WR IHDWXUH (ULQ *DÀOO·V
SOHLQ DLUH RLO SDLQWLQJV .DIIH )DVVHWW·V RQHRIDNLQG
NQLWV DQG IDEULF DUWZRUN 2SHQ DP WR SP GDLO\
QHSHQWKHELJVXUFRP
32675$1&+0(5&$17,/(RIIHUVÀQHJRRGVIURP3RVW5DQFK
,QQIHDWXULQJFROOHFWLRQVRIDOOQDWXUDOFORWKLQJQDWXUDOERG\FDUH
SURGXFWVRUJDQLFFRWWRQEHGGLQJDQGWRZHOVGLVWLQFWLYHSRWWHU\
DQGJODVVXQXVXDOKRPHDFFHVVRULHVKDQGPDGHMHZHOU\SDLQWLQJ
VFXOSWXUHDQGPRUH/RFDWHGDW3RVW5DQFK,QQDPSP
GDLO\SRVWUDQFKPHUFDQWLOHFRP
62)$1<$·6'20(*$//(5<$-HZHOLQWKHIRUHVW(VVHQFH
3RUWUDLWVSDLQWHGE\6RIDQ\D3DLQWLQJVVFXOSWXUHZHDUDEOHDUW
%\DSSRLQWPHQWVRIDQ\DFRP
7+(*$//(5<$79(17$1$RIIHUVDXQLTXHFROOHFWLRQRI
RULJLQDO ZRUNV E\ ORFDO DUWLVWV DQG FUDIWVSHRSOH +HUH \RX·OO
ÀQGSDLQWLQJVFXOSWXUHSKRWRJUDSK\MHZHOU\JODVVFHUDPLFV
DQGÀEHUDUW7KHUHLVDOVRDVHOHFWLRQRIERRNVFDUGVSULQWV
PXVLFFDQGOHVDQGJRXUPHWIRRGLWHPVDVZHOODV9HQWDQDORJR
ZHDUYHQWDQDJDOOHU\ELJVXUFRP
685/$'< *2/)$ %LJ 6XU RZQHG EXVLQHVV ZKHUH \RX
VKRS RQOLQH IRU ODGLHV JROI DFFHVVRULHV DQG JLIWV 7RXUQDPHQW ORJR VHUYLFHV SULYDWH WUXQN VKRZV *LIW FHUWLÀFDWHV
VXUODG\JROIFRP
&DPSLQJ
Wedding Services
$1'5(:02/(5$67$7(3$5.DWPRXWKRI%LJ6XU5LYHU
:DONLQPLOHWRFDPSJURXQGVLWHVLQRSHQPHDGRZVHWWLQJ
%LF\FOLVWZHOFRPHSHRSOHVLWHQRQUHVHUYDEOHDFUHVKLNLQJVXUÀQJDQGSLFQLFWDEOHVSDUNVFDJRY
$%,*685$))$,5&$7(5,1*)XOOVHUYLFHFDWHULQJDQGHYHQW
SODQQLQJDELJVXUDIIDLUFRP
%,*685&$03*5281'&$%,16<HDUURXQGIDPLO\FDPSLQJ
DPRQJWKHUHGZRRGWUHHVDORQJWKH%LJ6XU5LYHU6WRUHODXQGU\
SOD\JURXQGDQGEDVNHWEDOOFRXUW,QQHUWXELQJRQWKHULYHU7HQW
FDPSLQJZLWKKRWVKRZHUV59FDPSLQJZZDWHUHOHFWULFKRRN
XSVDVZHOODVDGXPSVWDWLRQELJVXUFDPSFRP
%277&+(56*$386)RUHVW6HUYLFHFDPSJURXQGIHDWXULQJ
VLWHV7HQWVLWHVRQO\:LQWHU6XPPHU%ULQJZDWHU
FDPSRQHFRP
&2$675,'*(287),77(56/RFDWHGRQ+Z\DWWKH)HUQZRRG5HVRUW&DPSJURXQGMXVWPLOHQRUWKRI3ÀHIIHU%LJ6XU
6WDWH3DUN&DPSJURXQGQHFHVVLWLHV59DFFHVVRULHV7UDLOPDSV
FRDVWULGJHRXWÀWWHUVFRP
)(51:22'&$03*5281'7HQWDQG59FDPSLQJRQERWK
VLGHVRIWKH%LJ6XU5LYHU)RUHVWFDELQVZLWKNLWFKHQV%RUGHULQJ
3IHLIIHU6WDWH3DUNZLWKWRZHULQJUHGZRRGVDQGEHDXWLIXOPRXQWDLQ
YLHZV7HQWFDELQVRQWKHULYHUDFFHVVWRKLNLQJWUDLOVKRUVHVKRHV
YROOH\EDOOVWRUH'9'UHQWDOUHVWDXUDQWWDYHUQDQGHVSUHVVREDU
+RPH RI WKH DOELQR UHGZRRG WUHH )UHH :L)L IHUQZRRGELJVXUFRP
-8/,$3)(,))(5%851667$7(3$5.7ZRYHU\SRSXODUZDON
LQHQYLURQPHQWDOFDPSVLWHVDWWKLVDFUHSDUN5HTXLUHVHDUO\
UHVHUYDWLRQV5HVHUYDWLRQV
,QIRZZZSDUNVFDJRY
.,5.&5((.&$03*5281'86)RUHVW6HUYLFHFDPSJURXQG
IHDWXULQJVLWHV+LNH%LNH&DPSSHUSHUVRQ
FDPSRQHFRP
1$&,0,(172 &$03*5281' PLOHV IURP .LUN &UHHN
&DPSJURXQGXS1DFLHPHQWR)HUJXVRQ5RDG2SHQ<HDU5RXQG
%ULQJ:DWHU1R5HVHUYDWLRQVVWFRPHVWVHUYH)RUHVW6HUYLFH
&DPSJURXQGVLWHVFDPSRQHFRP
%,*685&$50(/:('',1*6:,7+.(152%,16
/LFHQVHGPLQLVWHU´,ORYHP\ZRUNDQGP\ZRUNLVORYHµ
ZHGGLQJVLQELJVXUFRP
% , * 6 8 5 & ( 5 ( 0 2 1 , ( 6 % < 6 2 $ 5 , 1 * 6 7$ 5 . ( <
,QWHUIDLWK PLQLVWHU SHUIRUPV KHDUWIHOW DQG SHUVRQDOL]HG FHUHPRQLHV IRU
ZHGGLQJVFRPPLWPHQWVDQGVSHFLDOOLIHHYHQWVZLWKDNHHSVDNHVFULSWRI
WKHVHUYLFHELJVXUFHUHPRQLHVFRP
&<17+,$ -2+1621%,$1&+(77$ 5RPDQWLF VHQVLWLYH LPDJHV
FUHDWHGLQ%:FRORURQHRIDNLQG3RODURLGWUDQVIHU6SHFLDOHYHQWV
ZHGGLQJVVDFUHGHDUWKSKRWRJUDSK\QHW
(/(*$17(9(1766SHFLDOL]LQJLQ%LJ6XUZHGGLQJVDQGUHFHSWLRQV
ZLWKH[FOXVLYHVLWHVWRFKRRVHELJVXUZHGGLQJVFRP
(9<11 /(9$//(< 3+272*5$3+< (Y\QQ VKRRWV ZLWK D FUHDWLYH
H\H DQG XQREWUXVLYH SKRWRMRXUQDOLVWLF DSSURDFK HY\QQOHYDOOH\FRP
,$1 0$57,1 :('',1* -2851$/,60 ,DQ LV D *HWW\ ,PDJHV *UDQWV IRU (GLWRULDO 3KRWRJUDSK\ ZLQQHU LDQPDUWLQSKRWRJUDSK\FRP
.$7(+($/(<)/2:(566LPSOHHOHJDQWZKLPVLFDODQGZLOG)ORZHUV
IRUDOORFFDVVLRQVELJVXUÁRZHUVFRP
/,)( &(/(%5$7,216 5(9 %5,$1 /<.( 2IILFLDWLQJ DQG
YRZ UHQHZDO FHUHPRQLHV LQ %LJ 6XU 0RQWHUH\ IRU \HDUV
&UHDWLQJ D SHUVRQDO LQGLYLGXDOL]HG DQG KHDUWIXO FHUHPRQ\
OLIHFHOHEUDWLRQVRUJ
3((5-2+1621352)(66,21$/:('',1*3+272*5$3+<
SHHUMRKQVRQFRP
6($ 67$56 %,* 685 &$7(5,1* &UHDWLQJ PHPRUDEOH IRRG IRU
ZHGGLQJVSULYDWHSDUWLHVEDFNVWDJHJUHHQURRPVDQGPXVLFIHVWLYDOV
6HD6WDUVXVHVRUJDQLFDQGVXVWDLQDEOHPHDWVHDIRRGDQGSURGXFHIURP
ORFDOVRXUFHVVHDVWDUVELJVXUFRP
62)$1<$·6'20(*$//(5<$-HZHOLQWKHIRUHVW2IÀFLDQW(VVHQFH3RUWUDLWORFDWLRQDQGPRUHVRIDQ\DFRP
Real Estate Services
3)(,))(5%,*68567$7(3$5.7KLVDFUHSDUNRIIHUV
FDPSLQJVLWHVQRKRRNXSVVDQLWDWLRQVWDWLRQSLFQLFWDEOHV
KLNLQJVZLPPLQJ%LF\FOLVWFDPS5HVHUYDWLRQV
IRULQIRUPDWLRQZZZSDUNVFDJRY
$%,*685+20(.HOOHU:LOOLDPV5HDOW\1DQF\6DQGHUV
FDOLIRUQLDFRDVWODQGVFRP
3/$6.(77 &5((. &$03*5281' 86 )RUHVW 6HUYLFH
&DPSJURXQG 6LWHV:LQWHU 6XPPHU +LNH %LNH &DPS
SHUSHUVRQ*URXSVLWHUHVHUYDWLRQV
FDPSRQHFRP
%,*685&2$675($/(67$7(+LOODU\/LSPDQ
ELJVXUFRDVWUHDOHVWDWHFRP
321'(526$&$03*5281'0LOHVHDVWIURP.LUN&UHHN
FDPSJURXQGRQ1DFLPLHQWR)HUJXVRQ5RDG(QMR\PRXQWDLQWURXW
VWUHDPORFDWHGXQGHUDFDQRS\RIWUHHV$FFHVVLEOHWKURXJK+LJKZD\
RU+LJKZD\2SHQ\HDUURXQG%ULQJZDWHULQZLQWHUVW
FRPHVWVHUYHFDPSRQHFRP
5,9(56,'(&$03*5281'&$%,162XUEHDXWLIXODFUH
GRJIULHQGO\SURSHUW\RIIHUV59WHQWFDPSLQJDVZHOODVFR]\
FDELQVQHVOHGLQPDMHVWLFUHGZRRGVDORQJWKH%LJ6XUULYHU+LNLQJ
EHDFK DFFHVV DUH MXVW PLQXWHV DZD\ (QMR\ VHDVRQDO FDWFK UHOHDVHÀVKLQJVZLPPLQJDQGLQQHUWXELQJLQWKHULYHU&HUWLÀHG
PDVVDJHWKHUDSLVWVRIIHUUHOD[LQJPDVVDJHLQRXURQVLWHPDVVDJH
VWXGLRULYHUVLGHFDPSJURXQGFRP
75((%21(65(6257IHDWXUHV\XUWVDQGFDPSVLWHVZLWK
EUHDWKWDNLQJYLHZVRIWKH3DFLÀFRFHDQDW&DSH6DQ0DUWLQ$PPHQLWLHVLQFOXGHZRRGEXUQLQJVWRYHVVZLPPLQJSRROVSDJHQHUDO
VWRUHDQGVTXDUHIRRW*XHVW6HUYLFHVEXLOGLQJZLWKVKRZHUV
ODXQGU\DQGDYHU\JHQHURXVPHHWLQJVSDFHIRUJURXSHYHQWV
WUHHERQHVUHVRUWFRP
Big Sur Events
%,*685&+$0%(52)&200(5&(&RPSOHWHDFWLYLWLHV
JXLGHZZZELJVXUFDOLIRUQLDRUJHYHQWVKWPO
%,*685)22':,1()(67,9$/1RYHPEHU
ELJVXUIRRGDQGZLQHRUJ
%(1+(,15,&+&2/':(//%$1.(55($/(67$7(
ELJVXUKRPHVFRP
%,*6853523(57<6(59,&(60RQLTXH%RXULQ
ELJVXUSURVFRP
%,*6855($/(67$7(0LNH*LOVRQ
ELJVXUUHDOHVWDWHFRP
-2+16$$53523(57,(6-RKQ6DDU
UHDOHVWDWHELJVXUFRP
More Services
% , * 6 8 5 * 2 2 ' 6 2 Q O L Q H V W R U H R I O R F D O O \ P D G H J R R G V ELJVXUJRRGVFRP
%,*685%8,/'(56ELJVXUEXLOGHUVLQFFRP
%/$=((1*,1((5,1*,1&&RQVWUXFWLRQ
EOD]HHQJLQHHULQJFRP
%,*685*8,'(6+,.,1*
6WHSKHQ'&RSHODQGELJVXUJXLGHVFRP
%,*685-$'(&203$1<HVWFUHDWLQJFRPPLVVLRQHGSLHFHVIURP
VPDOOVFXSWXUHVRQZRRGEDVHVWRMHZHOU\/DUJHVWFROOHFWLRQRI%LJ6XU
-DGHELJVXUMDGHFRFRP
%,*685-$'(-(:(/5<RULJLQDOJHPTXDOLW\KDQGFUDIWHGMDGHMHZHOU\
PDGHE\PDVWHUFUDIVPDQ5LFKDUG+RUDQ
ELJVXUMDGHMHZHOU\FRP
%,*685/$1'758672XUPLVVLRQLVWRFRQVHUYHWKHVLJQLÀFDQW
ODQGVDQGZDWHURI&DOLIRUQLD·V&HQWUDO&RDVWIRUDOOJHQHUDWLRQV
ELJVXUODQGWUXVWRUJ
%,*685,17(51$7,21$/0$5$7+21
$SULOEVLPRUJ
%,*6853+272*5$3+<'DQLHO%LDQFKHWWD(OHJDQW%LJ6XUFRDVWDO
LPDJHVDQG1DWLYH$PHULFDQURFNDUWLQÀQHDUWFRORUSULQWV6WXGLRYLVLW
E\DSSRLQWPHQWELJVXUSKRWRFRP
%,*6855,9(5581WK$QQXDO2FWREHU
%LJ6XU5LYHU5XQRUJRUFDOO
%,* 685 72856 025( &XVWRPL]HG WRXUV RI %LJ 6XU 0RQWHUH\ 3HEEOH %HDFK DQG EH\RQG LQ D OX[XU\ DXWRPRELOH
ELJVXUWRXUVDQGPRUHFRP
+(15<0,//(5/,%5$5<6XPPHUFDOHQGDURIPXVLFDQG
IDPLO\HQWHUWDLQPHQWKHQU\PLOOHURUJ
%,5':,1*'(6,*16)XOOVHUYLFHZHEGHVLJQFRPSDQ\
ELUGZLQJGHVLJQVFRP
-$'()(67,9$/2FWREHU¶DW3DFLÀF9DOOH\6FKRRO
)5((ELJVXUMDGHIHVWFRP
&$50(/,1685$1&($*(1&<
FDUPHOLQVXUDQFHFRP
Big Sur Guide
3DJH
/RGJLQJ
Restaurants
%,* 685 &$03*5281' &$%,16$ YDULHW\ RI FDELQV LQ D UHGZRRG JURYH DORQJ
WKH%LJ6XU5LYHU0RVWZLWKIXOO\HTXLSSHGNLWFKHQVDQGÀUHSODFHV6XPPHUWHQWFDELQV
DORQJWKHULYHU,QQHUWXELQJRQWKHULYHU6WRUHODXQGU\SOD\JURXQGDQGEDVNHWEDOOFRXUW
5HVHUYDWLRQVUHFRPPHQGHGELJVXUFDPSFRP
%,*685%$.(5<5(67$85$17([SHULHQFHH[TXLVLWHZRRGÀUHGFRRNLQJDQG
EDNLQJDWWKLVRQHRIDNLQGJHP:HGGLQJFDNHVGHVVHUWVSDVWULHV
ELJVXUEDNHU\FRP
%,*685/2'*(/RFDWHGZLWKLQDQFLHQWJURYHVRIUHGZRRGVDQGRDNVLQ3IHLIIHU%LJ6XU
6WDWH3DUN*RUJHRXVYLHZVRIWKH6DQWD/XFLD0RXQWDLQVFRWWDJHVW\OHXQLWVPDQ\ZLWK
ÀUHSODFHVDQGRUNLWFKHQVDFFRPPRGDWHXSWRSHRSOH5HVRUWLQFOXGHVVFHQLF%LJ6XUULYHU
DQGKLNLQJWUDLOVKHDWHGSRROJLIWVKRSUHVWDXUDQWJHQHUDOVWRUH
RUELJVXUORGJHFRP
%,*685'(/,*(1(5$/6725(/RFDWHGDWWKHFHQWHURI%LJ6XUQH[WWRWKH
3RVW2IÀFH$WUXHJHQHUDOVWRUHVHUYLQJWKHORFDOFRPPXQLW\IRURYHU\HDUV:LGH
VHOHFWLRQRIJURFHULHVÀQHZLQHVDQGEHHUDOODWWKHPRVWUHDVRQDEOHSULFHVLQWKHDUHD
(YHU\WKLQJ\RXQHHGIRUDGD\WULSRUSURORQJHGVWD\)HDWXULQJDIXOOGHOLDODUJHYDULHW\
RI76KLUWV%LJ6XUVRXYHQLUV'9'UHQWDOV$70PDFKLQH2SHQDPSP
VHYHQGD\VDZHHNELJVXUGHOLFRP
%,*6855,9(5,11IHDWXUHVFR]\JXHVWURRPVIXOOVHUYLFHUHVWDXUDQWEDUDQGKHDWHG
VZLPPLQJSRRORQWKH%LJ6XU5LYHU$OVRIHDWXUHVDJDVVWDWLRQDQGJHQHUDOVWRUHVWRFNHG
ZLWKQDWXUDOIRRGVDQGFRQYHQLHQFHLWHPV+LJKVSHHGZLUHOHVVLQWHUQHWDFFHVVLVDYDLODEOH
RQWKHSURSHUW\RUELJVXUULYHULQQFRP
%,*685/2'*(5(67$85$17(635(662+286(,QGRRUDQGSDWLRGLQLQJRQ
WKHEDQNVRIWKH%LJ6XU5LYHU)UHVKO\SUHSDUHGIRRGVVHUYHGLQDVSDFLRXVDLU\DWPRVSKHUHZLWKYLHZVRIWKHUHGZRRGV&KLOGUHQZHOFRPH%UHDNIDVWOXQFKDQGGLQQHU)UHVK
SDVWULHVVSHFLDOLW\FRIIHHVDQGWHDV7DNHRXWELJVXUORGJHFRP
'((7-(1·6%,*685,112IIHULQJORGJLQJLQDTXDLQW1RUZHJLDQVW\OHVHWWLQJ1HVWOHG
LQWKHUHGZRRGVRI&DVWUR&DQ\RQWKHLQQKDVURRPV$GYDQFHGUHVHUYDWLRQVVXJJHVWHG
GHHWMHQVFRP
%,*6855,9(5,11%UHDNIDVWOXQFKGLQQHUDUHVHUYHGGDLO\E\DKXJHVWRQH
ÀUHSODFHRURQDGHFNRYHUORRNLQJWKH%LJ6XU5LYHU/LYHHQWHUWDLQPHQWRQ6XQGD\
DIWHUQRRQVELJVXUULYHULQQFRP
(6$/(1 ,167,787( 7KH SLRQHHULQJ %LJ 6XU HGXFDWLRQDO LQVWLWXWH GHGLFDWHG WR
SHUVRQDO DQG VRFLDO WUDQVIRUPDWLRQ :HHNHQG DQG GD\ SURJUDPV DUH RIIHUHG
\HDU URXQG 1DWXUDO KRW VSULQJV E\ WKH RFHDQ &DWDORJ DYDLODEOH RQ UHTXHVW
HVDOHQRUJ
%,*68552$'+286(6HUYLQJIUHVK&DOLIRUQLDQ/DWLQ$PHULFDQFXLVLQHDWDIIRUGDEOHSULFHVLQDOLYHO\DWPRVSKHUH)LUHSODFHGLQLQJRXWVLGHSDWLRFRSSHUEDU2SHQIRU
GLQQHU30&ORVHG7XHVGD\V&DOOIRUUHVHUYDWLRQV
ELJVXUURDGKRXVHFRP
)(51:22' 5(6257 7ZHOYH XQLW PRWHO )RUHVW FDELQV ZLWK NLWFKHQV %DU DQG WKH
5HGZRRG*ULOOWDYHUQDWPRVSKHUHRXWVLGHGHFNLQWKHUHGZRRGVHVSUHVVREDUJHQHUDOVWRUH
ZLWKSLFQLFNLQJDQGFDPSLQJVXSSOLHV7HQWFDELQV'9'UHQWDO)UHHZLUHOHVV,QWHUQHW
IHUQZRRGELJVXUFRP
&$)(.(9$+RIIHUVEUXQFKOLJKWOXQFKLQDQRXWGRRUVHWWLQJ/RFDWHGRQDWHUUDFH
MXVWEHORZ1HSHQWKH2SHQPLG)HEUXDU\WKURXJK'HFHPEHUDPSP
QHSHQWKHELJVXUFRP
*/(12$.6027(/$QDWWUDFWLYHPRGHUQSRVWDGREHPRWHOLQDJUDFLRXVJDUGHQVHWWLQJFOHDQDQGFRPIRUWDEOHVLQJOHVWRU\XQLWVDUHDYDLODEOHDOO\HDU0RGHUDWHO\SULFHG
JOHQRDNVELJVXUFRP
'((7-(1·6%,*685,112IIHUVIRRGLQDTXDLQWROGZRUOGVHWWLQJ%UHDNIDVWLVVHUYHG
DP1RRQ'LQQHULVVHUYHGIURPSP5HVHUYDWLRQVUHFRPPHQGHG
GHHWMHQVFRP
*25'$635,1*65(62577KHJDUGHQVDQGVFHQLFZRQGHUVDW*RUGDDUHDQDWXUHORYHUV
DQGSKRWRJUDSKHUVSDUDGLVH0DQ\QHDUE\KLNLQJWUDLOVÀVKLQJFRYHVEHDFKHVIRUVXUÀQJ
DQGEHDFKFRPELQJSULYDWHPRGHUQXQLTXHO\IXUQLVKHGRFHDQYLHZFRWWDJHVURRPV
:KDOH:DWFKHU&DIHJHQHUDOVWRUHHVSUHVVRFRIIHHEDUGHOL-DGHVKRSIHDWXULQJORFDO
MDGHDQGKDQGPDGHMHZHOU\JRUGDVSULQJVFRP
/8&,$/2'*(5(67$85$17/XFLD/RGJHUHVWDXUDQWRIIHUVGHFNGLQLQJDVZHOODVD
KLVWRULFGLQLQJURRP2XUFRDVWDOFXLVLQHLVUHFRJQL]HGIRUWKHJUHDWTXDOLW\DQGJHQHURXV
SRUWLRQV1RWHZRUWK\LVRXU)LVK&KLSVZKLFKZHUHMXGJHGDVRQHRIWKH7RSLQWKH
86E\&RDVWDO/LYLQJ0DJD]LQH5HVWDXUDQWRSHQIRUOXQFKDQGGLQQHUWKURXJKRXWWKH
VHDVRQ6XPPHUOXQFKLVVHUYHGEHWZHHQDPSP'LQQHUSPWR
SP&RQWLQHQWDOEUHDNIDVWLVDYDLODEOHWRRXUFDELQJXHVWV2IIVHDVRQKRXUVYDU\
OXFLDORGJHFRP
/8&,$/2'*(&RDVWDOFDELQVZLWKYLHZVRIWKHUXJJHG6RXWK&RDVW2YHUQLJKWDFFRPPRGDWLRQVUDQJHIURPVLQJOHXQLWVZLWKGRXEOHEHGVWRWKHKRQH\PRRQFRWWDJH·VEUHDWKWDNLQJ
YLHZTXHHQVL]HIRXUSRVWHUEHGDQGVLWWLQJURRPOXFLDORGJHFRP
32675$1&+,112FHDQIURQWERXWLTXHKRWHOKLGHDZD\ZLWKOX[XULRXVJXHVWURRPVDQG
RFHDQYLHZYLOODVZLWKSULYDWHGHFNVVSDWXEVIXOO\VWRFNHGFRPSOLPHQWDU\SDQWULHVDQG
VHOHFWDPHQLWLHV7KLVDZDUGZLQQLQJURPDQWLFUHWUHDWLVDSHUIHFWHVFDSHIRUVSHFLDORFFDVLRQV
DQGSULYDWHUHWUHDWV7KHXQLTXHDUFKLWHFWXUHÀWVKDUPRQLRXVO\LQWRWKH,QQ·VDFUHVRI
QDWXUDOLVWLFODQGVFDSHDQGRIIHUVKLNLQJWUDLOVVZLPPLQJSRROWZRFOLIIHGJHVRDNLQJSRROV
DVZHOODVFRPSOLPHQWDU\JXHVWDFWLYLWLHVVXFKDV\RJDJXLGHGQDWXUHZDONVVWDUJD]LQJ
DQGFRRNLQJFODVVHV$ÀYHVWDUUHVRUWWKDWSURGXFHVDPDMRULW\RILWVHOHFWULFLW\ZLWKDVRODU
DUUD\6HHDOVR6LHUUD0DU5HVWDXUDQWLQUHVWDXUDQWOLVWLQJ
RUSRVWUDQFKLQQFRP
5$**('32,17,115(6257FR]\URPDQWLFURRPVQHVWOHGFOLIIVLGHEHWZHHQWKH
3DFLÀF2FHDQDQG/RV3DGUHV1DWLRQDO)RUHVW,QFOXGHVIULHQGO\VWDIIJRXUPHWUHVWDXUDQW
FRQYHQLHQFHVWRUHVQDFNDQGHVSUHVVREDUVSOXVRUQDPHQWDOJDUGHQVDQGJDV'RJIULHQGO\
/RFDWHGPLOHVQRUWKRI+HDUVW&DVWOHUDJJHGSRLQWLQQFRP
5,33/(:22'5(6257&DELQVVLWXDWHGLQWKHUHGZRRGVDORQJWKH%LJ6XU5LYHU$OVR
IHDWXUHVDFRQYHQLHQFHVWRUHJDVVWDWLRQDFDIH
ULSSOHZRRGUHVRUWFRP
5,9(56,'(&$03*5281'&$%,162XUEHDXWLIXODFUHGRJIULHQGO\SURSHUW\
RIIHUV59DQGWHQWFDPSLQJDVZHOODVFR]\FDELQVQHVWOHGLQPDMHVWLFUHGZRRGVDORQJ
WKH%LJ6XUULYHU+LNLQJDQGEHDFKDFFHVVDUHMXVWPLQXWHVDZD\(QMR\VHDVRQDOFDWFK
UHOHDVHÀVKLQJVZLPPLQJDQGLQQHUWXELQJLQWKH%LJ6XUULYHU2XUFHUWLÀHGPDVVDJH
WKHUDSLVWVRIIHUUHOD[LQJPDVVDJHLQRXURQVLWHPDVVDJHVWXGLR
ULYHUVLGHFDPSJURXQGFRP
6$16,0(21/2'*(7KUHHPLOHVVRXWKRI+HDUVW&DVWOHURRPVZLWKSDQRUDPLFRFHDQ
YLHZDQGEORFNIURPHDV\EHDFKDFFHVV+HDWHGSRROLQIUDUHGVDXQDIUHHZLUHOHVV,QWHUQHW
1H[WWRODUJHUHVWDXUDQWDQGFRFNWDLOORXQJHZLWKHQWHUWDLQPHQW0DUNHWFRIIHHEDU$70
VDQVLPHRQORGJHQHW
75((%21(65(6257IHDWXUHV\XUWVDQGFDPSVLWHVZLWKEUHDWKWDNLQJYLHZVRIWKH
3DFLÀF 2FHDQ &DSH 6DQ 0DUWLQ$PHQLWLHV LQFOXGH JDV ÀUHSODFHV JHQHURXV UHGZRRG
YLHZLQJGHFNVVZLPPLQJSRROKRWWXEPDVVDJHUHVWDXUDQWJLIWVKRSDQGODUJHPDLQORGJH
)RUUHVHUYDWLRQV%,*685WUHHERQHVUHVRUWFRP
9(17$1$ ,11 63$ 1HVWOHG RQ D KLOOVLGH RYHUORRNLQJ WKH GUDPDWLF 3DFLÀF FRDVWOLQH9HQWDQD ,QQ 6SD IHDWXUHV JXHVWURRPV DQG VXLWHV )XOO VHUYLFH UHVWDXUDQW DQG
VSD 7ZR RXWGRRU VZLPPLQJ SRROV -DSDQHVH +RW EDWKV GU\ VDXQD DQG ÀWQHVV FHQWHU
RUYHQWDQDLQQFRP
> > > > More Services Continued
&$59(56&+,&.(7$1=$5&+,7(&76
FDUYHUVFKLFNHWDQ]FRP
1(:&$0$/'2/,+(50,7$*($FRPPXQLW\RI&DWKROLFPRQNVQHDU/XFLD0DVVDP
6XQGD\DQGDP0RQ6DW9LJLOVDP/DXGVDP9HVSHUVSP6XQGD\SP
0RQ6DWZZZFRQWHPSODWLRQFRP
3(7(5526(1+$8/,1*&203$1<
3,11(<&216758&7,21%XLOGLQJDQGSODQQLQJVROXWLRQVIRUFXVWRPKRPHFRQVWUXFWLRQUHPRGHOLQJUHSDLUVDQGLPSURYHPHQWV
0$,'(138%/,&.+286(7+(/RFDWHGQH[WWRWKH5LYHU,QQLQWKH9LOODJH&HQWHU
6KRSVIHDWXULQJSXEJUXEDQGH[WHQVLYH$PHULFDQFUDIWDQG(XURSHDQEHHUVHOHFWLRQ
/LYHPXVLFWKHPDLGHQSXEFRP
1(3(17+( 2QH RI WKH PRVW SLFWXUHVTXH GLQLQJ VSRWV LQ &DOLIRUQLD WKLV
UHVWDXUDQW RYHUORRNV PLOHV RI FRDVWOLQH )DPLO\RZQHG VLQFH 2SHQGDLO\DPSPQHSHQWKHELJVXUFRP
5$**(' 32,17 5(67$85$17 2ULJLQDO JRXUPHW FXLVLQH SUHVHQWHG
LQ DQ HQFKDQWLQJ JDUGHQ VHWWLQJ ZLWK D GHJUHH RFHDQPRXQWDLQ YLHZ
UDJJHGSRLQWLQQFRP
5(':22' *5,// $IIRUGDEOH &DOLIRUQLD FRPIRUW FXLVLQH )URP RXU EXUJHU EDU
EODFN DQJXV VPRNHG VDOPRQ DQG YHJHEXUJHUV 3L]]D VDODGV GDLO\ VSHFLDOV LQFOXGLQJ ORFDO ÀVK ODPE FKLFNHQ YHJHVSHFLDOV )HDWXULQJ %LJ 6XU %%4 WULWLS
FKLFNHQ EHHI ULEV VPRNHG VDOPRQ /RFDWHG DW )HUQZRRG 5HVRUW RQ +LJKZD\
6LW RQ EDFN GHFN DPRQJ UHGZRRG WUHHV :HGGLQJ DQG VSHFLDO HYHQW FDWHULQJ
ELJVXUFRDVWIRRGVFRPUHGZRRGJULOO
5,33/(:22'&$)(6HUYLQJKRPHVW\OHEUHDNIDVWOXQFKDJURFHU\VWRUHZLWK
FRIIHHVDQGZLFKHVWRJRULSSOHZRRGUHVRUWFRP
52&.<32,175(67$85$17RSHQHYHU\GD\IRUEUHDNIDVWOXQFKGLQQHUGULQNVDQG
DSSHWL]HUVPLOHVVRXWKRI&DUPHORQ+Z\URFN\SRLQWFRP
6$16,0(21%($&+%$5*5,//PLOHV6RXWKRI+HDUVW&DVWOHLQ6RXWKHUQ
%LJ 6XU 3DQRUDPLF RFHDQ YLHZ ,QGRRU RXWGRRU GLQLQJ SHW RN H[RWLF GHFRU
VWDJH VRXQG )URP EXUJHUV SL]]D VDQGZLFKHV WR VWHDN OREVWHU &RFNWDLO
ORXQJHZFU\VWDOÀUHSODFHSRROWDEOH79·VOLYHHQWHUWDLQPHQW.DUDRNHRSHQPLF
&RIIHHEDU7DNHRXWJLIWVKRSPLQLPDUNHW$70)UHHZLUHOHVV,QWHUQHW1H[WWR
6DQ6LPHRQ/RGJHVDQVLPHRQUHVWDXUDQWFRP
6,(55$0$55(67$85$17/RFDWHGDW3RVW5DQFK,QQDQGRYHUORRNLQJWKH3DFLÀF
2FHDQZLWKDVSHFWDFXODUYLHZRIWKH%LJ6XUFRDVWOLQH6LHUUD0DUVHUYHVLQQRYDWLYHFXLVLQHLQDQDZHLQVSLULQJVHWWLQJ7KHSUL[À[HGLQQHUPHQXFKDQJHVGDLO\DQG
IRFXVHVRQRUJDQLFVHDVRQDOIDUH2XUDZDUGZLQQLQJZLQHOLVWIHDWXUHVRQHRIWKH
PRVWH[WHQVLYHFROOHFWLRQVLQ1RUWK$PHULFD/XQFKIURPWRSP5HVHUYDWLRQVVXJJHVWHG%DUDQGVQDFNPHQXIURPSP'LQQHUEHJLQVDWSP
UHVHUYDWLRQVUHTXLUHGSRVWUDQFKLQQFRP
7+(*5,//$775((%21(65(6257FDVXDOGLQQHUVQLJKWO\VWDUWLQJDW30
(QMR\JULOOHGVSHFLDOWLHVIURPRXURFHDQYLHZGLQLQJURRP
WUHHERQHVUHVRUWFRP
7+(5(67$85$17$79(17$1$IHDWXUHVDPHQXFUHDWHGZLWKORFDOVXVWDLQDEOH
LQJUHGLHQWVIURP&DOLIRUQLD·V&HQWUDO&RDVWIRUPHPRUDEOHGLVKHVWRSDLUZLWKRXUDZDUG
ZLQQLQJZLQHOLVW/RFDWHGDW9HQWDQD,QQ6SDDGYDQFHUHVHUYDWLRQVDUHUHFRPPHQGHG
3OHDVHFDOOYHQWDQDLQQFRP
:+$/(:$7&+(5&$)(:RUOGUHQRZQHGIRULWVL[W\\HDUWUDGLWLRQVRIKRVSLWDOLW\
DQGJRXUPHWGLQLQJLQDURPDQWLFQDXWLFDOPXVHXPOLNHVHWWLQJ&DVXDOLQGRRUGLQLQJ
DQGRQWKHKHDWHGJDUGHQSDWLR/LYHPXVLFJRUGDVSULQJVFRP