'RUR (QJOLVK
1 2 3 4 5 6 7 8 15 16 17 14 13 12 11 10 18 19 20 21 22 9 7KH LWHPV VXSSOLHG ZLWK \RXU SKRQH PLJKW YDU\ GHSHQGLQJ RQ WKH VRIW ZDUH DQG DFFHVVRULHV DYDLODEOH LQ \RXU UHJLRQ RU RIIHUHG E\ \RXU VHUYLFH SURYLGHU
(QJOLVK &RQWHQWV &RQJUDWXODWLRQV RQ \RXU SXUFKDVH *HW VWDUWHG ,QVHUW 6,0 FDUG PHPRU\ FDUG DQG EDWWHU\ &KDUJH WKH SKRQH *HW WR NQRZ \RXU SKRQH
(QJOLVK &UHDWH DQG VHQG YRLFH PHVVDJH ,QER[ 2XWER[ DQG 6HQW 0HVVDJH VHWWLQJV &DPHUD &DPHUD WDNH SKRWRV &DPHUD
(QJOLVK 7URXEOHVKRRWLQJ 6DIHW\ LQVWUXFWLRQV 1HWZRUN VHUYLFHV DQG FRVWV 2SHUDWLQJ HQYLURQPHQW 0HGLFDO XQLWV
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
(QJOLVK 7LS 7DNH FDUH QRW WR VFUDWFK RU EHQG WKH FRQWDFWV RQ WKH PHPRU\ RU RQ WKH 6,0 FDUG ZKHQ LQVHUWLQJ WKHP LQWR WKH FDUG KROGHUV 6,0 FDUG /RFDWH WKH 6,0 FDUG KROGHU 3UHVV WKH FDUG KROGHU·V OLG WRZDUGV WKH DVVLVWDQFH EXWWRQ XQWLO LW ´FOLFNVµ /LIW WKH OLG WR DQ XSULJKW SRVLWLRQ 3ODFH WKH FDUG LQ WKH FRPSDUWPHQW 0DNH VXUH WKH FRQ WDFWV DUH IDFLQJ GRZQZDUGV DQG WKH FXW RII FRUQHU LV SODFHG DV VKRZQ RQ WKH GUDZLQJ +ROG WKH FDUG LQ WKH FRUUHFW SRVLWLRQ DQG FORVH WKH OLG &DUHIXOO\ SUHVV GRZQ DQG VOL
(QJOLVK ,03257$17 8VH RQO\ FRPSDWLEOH PHPRU\ FDUGV ZLWK WKLV GHYLFH &RPSDWLEOH FDUG W\SH PLFUR6' PLFUR6'+& ,QFRPSDWLEOH FDUGV PD\ GDPDJH WKH FDUG LWVHOI WKH GHYLFH DQG FRUUXSW DQ\ GDWD VWRUHG RQ WKH FDUG 'HSHQGLQJ RQ WKH PDUNHW VRPH SKRQHV PD\ KDYH D SUH LQVWDOOHG PHPRU\ FDUG ,QVHUW WKH EDWWHU\ DQG UHSODFH WKH EDWWHU\ FRYHU ,QVHUW WKH EDWWHU\ E\ VOLGLQJ LW LQWR WKH EDWWHU\ FRPSDUWPHQW ZLWK WKH FRQWDFWV IDFLQJ GRZQ ZDUGV WR WKH ULJKW 5HSODFH WKH EDWWHU\ FRYHU 7LS ,W LV UHFRPPHQGHG WR UHPRYH WKH
(QJOLVK B A :KHQ WKH EDWWHU\ LV UXQQLQJ ORZ KHDUG LV GLVSOD\HG DQG D ZDUQLQJ VLJQDO LV &RQQHFW WKH PDLQV DGDSWHU WR D ZDOO VRFNHW DQG WR WKH FKDUJLQJ VRFNHW H $ RU SODFH WKH GHYLFH LQ WKH FUDGOH % $OWHUQDWLYHO\ FRQQHFW WKH FDEOH WR WKH FKDUJLQJ VRFNHW H RQ WKH SKRQH DQG WR D 86% SRUW RQ D FRPSXWHU 7KH EDWWHU\ FKDUJH LQGLFDWRU LV DQLPDWHG ZKLOH FKDUJLQJ ,W WDNHV DS SUR[LPDWHO\ KRXUV WR IXOO\ FKDUJH WKH EDWWHU\ :KHQ WKH FKDUJHU LV FRQQHFWHG WR WKH SKRQH LV GLVSOD\HG EULHIO\ DQG ZKHQ LW
(QJOLVK 6DYH HQHUJ\ :KHQ \RX KDYH IXOO\ FKDUJHG WKH EDWWHU\ DQG GLVFRQQHFWHG WKH FKDUJHU IURP WKH GHYLFH XQSOXJ WKH FKDUJHU IURP WKH ZDOO VRFNHW *HW WR NQRZ \RXU SKRQH $VVLVWLYH IXQFWLRQV 8VH WKH V\PEROV EHORZ WR JXLGH \RX WKURXJK VXSSRUWLQJ VHFWLRQV LQ WKH PDQXDO 6HHLQJ +DQGOLQJ +HDULQJ 6DIHW\ 7XUQ WKH SKRQH RQ DQG RII 3UHVV DQG KROG RQ WKH SKRQH WR WXUQ LW RQ RU RII &RQILUP ZLWK
(QJOLVK 7LS
(QJOLVK (QWHU WH[W (QWHU WH[W PDQXDOO\ 6HOHFW FKDUDFWHU 3UHVV D QXPHULFDO NH\ UHSHDWHGO\ XQWLO WKH GHVLUHG FKDUDFWHU LV VKRZQ :DLW D IHZ VHFRQGV EHIRUH HQWHULQJ WKH QH[W FKDUDFWHU 6SHFLDO FKDUDFWHUV 3UHVV IRU D OLVW RI VSHFLDO FKDUDFWHUV 6HOHFW WKH GHVLUHG FKDUDFWHU ZLWK DQG SUHVV 2.
(QJOLVK 1RWH 6HH 3UHGLFWLYH WH[W S IRU PRUH LQIRUPDWLRQ ,QSXW PRGH 3UHVV WR FKDQJH LQSXW PRGH 7KH LFRQ RQ WKH WRS OHIW RI WKH GLV SOD\ LQGLFDWHV WKH LQSXW PRGH $EF $%& DEF $EF $%& DEF 6HQWHQFH FDVH ZLWK SUHGLFWLYH WH[W 833(5 &$6( ZLWK SUHGLFWLYH WH[W ORZHU FDVH ZLWK SUHGLFWLYH WH[W 6HQWHQFH FDVH 833(5 &$6( ORZHU FDVH 1XPHUDOV +HDULQJ DLG FRPSDWLEOH 7KLV SKRQH LV KHDULQJ DLG FRPSDWLEOH +HDULQJ DLG FRPSDWLELOLW\ LV QRW D JXDUDQWHH WKDW D VSHFLILF KHDULQJ DLG ZLOO ZRUN ZLWK D VSHFLILF SK
(QJOLVK 3KRQH VHWWLQJV 7LPH GDWH 6HW WKH WLPH DQG GDWH 3UHVV 0HQX ! 6HWWLQJV ! *HQHUDO ! 7LPH GDWH 6HW WLPH WR HQWHU WKH WLPH ++ 00 6HW GDWH WR HQWHU WKH GDWH '' 00 <<<< 3UHVV 2. WR FRQILUP 7LS
(QJOLVK 2Q WR DFWLYDWH WKH 3,1 FRGH
(QJOLVK 5HFHLYH D FDOO 2SHQ WKH IOLS DQG SUHVV WR DQVZHU $OWHUQDWLYHO\ SUHVV 6LOHQW WR VZLWFK RII WKH ULQJVLJQDO RU SUHVV FORVH WKH IOLS WR UHMHFW GLUHFWO\ EXV\ VLJQDO 3UHVV WR HQG WKH FDOO 7R DQVZHU DQ LQFRPLQJ FDOO E\ RSHQLQJ WKH IOLS VHH $QVZHU PRGH S 7LS 3UHVV DQG KROG ± WR WHPSRUDULO\ VZLWFK RII WKH ULQJVLJQDO ZLWKRXW RSHQLQJ WKH IOLS 9ROXPH FRQWURO 'XULQJ D FDOO WR DGMXVW WKH VRXQG YROXPH 8VH WKH VLGH EXWWRQV ± RU 7KH YROXPH OHYHO LV LQGLFDWHG RQ WKH GLVSOD\ ,I \RX XVH
(QJOLVK &DOO RSWLRQV 'XULQJ D FDOO WKH VHOHFWLRQ EXWWRQV IXQFWLRQV JLYH DFFHVV WR DGGLWLRQDO 2SWLRQV OHIW VHOHFWLRQ EXWWRQ 9ROXPH WR DGMXVW WKH YROXPH +ROG 5HWULHYH WR KROG UHWULHYH WKH FXUUHQW FDOO (QG VLQJOH FDOO WR HQG WKH FXUUHQW FDOO VDPH DV 1HZ FDOO WR FDOO DQRWKHU QXPEHU &RQIHUHQFH 3KRQHERRN WR VHDUFK WKH SKRQHERRN 0HVVDJHV WR ZULWH RU UHDG WH[W PHVVDJHV 0XWH WR GLVDEOH WKH PLFURSKRQH 63. RQ ULJKW VHOHFWLRQ EXWWRQ 7KH ORXGVSHDNHU DOORZV \RX WR VSHDN ZLWKRXW KROGLQJ WKH
(QJOLVK &DOO ORJ 5HFHLYHG PLVVHG DQG PDGH FDOOV DUH VDYHG LQ D FRPELQHG FDOO ORJ FDOOV RI HDFK W\SH FDQ EH VWRUHG LQ WKH ORJ )RU PXOWLSOH FDOOV UHODWHG WR WKH VDPH QXPEHU RQO\ WKH PRVW UHFHQW FDOO LV VDYHG 3UHVV $OWHUQDWLYHO\ SUHVV 0HQX ! &DOO ORJ 8VH WR VHOHFW 5HFHLYHG FDOO 'LDOOHG FDOO 0LVVHG FDOO 3UHVV WR FDOO RU 2SWLRQV &DOO WR FDOO WKH FRQWDFW 9LHZ WR VKRZ GHWDLOV IRU WKH VHOHFWHG FDOO 6HQG 606 WR VHQG D WH[W PHVVDJH 6HQG 006 WR VHQG D SLFWXUH PHVVDJH 'HOHWH
(QJOLVK 2SHQ WR DQVZHU ! 2Q WR DQVZHU LQFRPLQJ FDOOV E\ RSHQLQJ WKH IOLS $Q\ NH\ ! 2Q WR EH DEOH WR DQVZHU LQFRPLQJ FDOOV E\ SUHVVLQJ DQ\ NH\ H[HPSWLRQ 3UHVV 2.
(QJOLVK 6HW E\ QHWZRUN WR XVH GHIDXOW VHWWLQJ E\ WKH QHWZRUN +LGH ,' WR QHYHU VKRZ \RXU QXPEHU 6HQG ,' WR DOZD\V VKRZ \RXU QXPEHU 3UHVV 2. WR FRQILUP &DOO EDUULQJ
(QJOLVK ,I QHHGHG HQWHU 3,1 DQG SUHVV 2. WR FRQILUP 1RWH
(QJOLVK &DOO WR FDOO WKH FRQWDFW 7RS WR VHW WKH HQWU\ DV RQH RI WKH ILUVW FRQWDFWV OLVWHG LQ WKH SKRQHERRN 6HH 7RS S 6HQG 606 WR VHQG WH[W PHVVDJH 6HH &UHDWH DQG VHQG WH[W PHVVDJH 606 S 6HQG 006 WR VHQG SLFWXUH PHVVDJH 6HH &UHDWH DQG VHQG SLF WXUH PHVVDJH 006 S 'HOHWH WR GHOHWH WKH VHOHFWHG FRQWDFW RU 'HOHWH DOO WR GHOHWH DOO FRQWDFWV 3UHVV
(QJOLVK 2Q WR GLVSOD\ WKH FRQWDFW·V DVVRFLDWH SLFWXUH LI H[LVWLQJ 2II WR GLVSOD\ RQO\ WKH QDPHV RI FRQWDFWV 3UHVV 2. WR FRQILUP 9RLFH PDLO ,I \RXU VXEVFULSWLRQ LQFOXGHV DQ DQVZHULQJ VHUYLFH FDOOHUV FDQ OHDYH D YRLFH PDLO PHVVDJH ZKHQ \RX DUH XQDEOH WR DQVZHU D FDOO 9RLFH PDLO LV D QHWZRUN VHUYLFH DQG \RX PD\ QHHG WR VXEVFULEH WR LW ILUVW )RU PRUH LQIRU PDWLRQ DQG IRU WKH YRLFH PDLO QXPEHU FRQWDFW \RXU VHUYLFH SURYLGHU 3UHVV 0HQX ! 6HWWLQJV ! 3KRQHERRN ! 9RLFH PDLO 6HOHFW (PSW\ ! $
(QJOLVK 6HOHFW RQH RI WKH HPSW\ HQWULHV DQG SUHVV $GG 8VH WR VFUROO WKURXJK WKH SKRQHERRN RU TXLFN VHDUFK E\ SUHVVLQJ WKH NH\ FRUUHVSRQGLQJ WR WKH ILUVW OHWWHU RI WKH HQWU\ 3UHVV 2. WR VDYH WKH VHOHFWHG HQWU\ RU SUHVV %DFN WR GLVFDUG FKDQJHV 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW 2SWLRQV ! (GLW RU 'HOHWH 7LS
(QJOLVK ,QVXUDQFH HQWHU \RXU LQVXUDQFH SURYLGHU DQG SROLF\ QXPEHU &RQWDFW &RQWDFW DQG 'RFWRU 3UHVV 2SWLRQV WR $GG RU 'HOHWH D FRQWDFW IURP WKH SKRQHERRN RU 6DYH WR DFFHSW WKH FXUUHQW HQWU\ ,I SRVVLEOH DGG \RXU UHODWLRQVKLS WR \RXU ,&( FRQWDFWV LQ WKH SKRQHERRN VXFK DV ´,&( :LIH 0DU\ 6PLWKµ ,PSRUWDQW LQIR &RQGLWLRQ HQWHU DQ\ PHGLFDO FRQGLWLRQV RU PHGLFDO GHYLFHV H J GLDEHWLF SDFHPDNHU $OOHUJLHV HQWHU DQ\ NQRZQ DOOHUJLHV H J SHQLFLOOLQ EHH VWLQJV %ORRG W\SH HQWHU \RXU EORRG
(QJOLVK 7KH ILUVW UHFLSLHQW LQ WKH OLVW LV FDOOHG ,I WKH FDOO LV QRW DQVZHUHG ZLWK LQ VHFRQGV WKH QH[W QXPEHU LV FDOOHG &DOOLQJ LV UHSHDWHG WLPHV RU XQWLO WKH FDOO LV DQVZHUHG RU XQWLO LV SUHVVHG 1RWH 6RPH SULYDWH VHFXULW\ FRPSDQLHV FDQ DFFHSW DXWRPDWLF FDOOV IURP WKHLU FOLHQWV $OZD\V FRQWDFW WKH VHFXULW\ FRPSDQ\ EHIRUH XVLQJ WKHLU SKRQH QXPEHU 3URJUDPPLQJ LQWR WKH DVVLVWDQFH EXWWRQ LV EORFNHG 7LS 7KH DVVLVWDQFH IXQFWLRQ PD\ EH FRQILJXUHG VR WKDW WKH UHFLSLHQW RI WKH FDOO PXVW SUHV
(QJOLVK 1XPEHU OLVW $GG QXPEHUV WR WKH OLVW WKDW LV FDOOHG ZKHQ WKH DVVLVWDQFH EXWWRQ LV SUHVVHG ,03257$17 $OZD\V LQIRUP UHFLSLHQWV LQ WKH 1XPEHU OLVW WKDW WKH\ DUH OLVWHG DV \RXU DVVLVWDQFH FRQWDFWV 3UHVV 0HQX ! 6HWWLQJV ! $VVLVWDQFH ! 1XPEHU OLVW 6HOHFW (PSW\ ! $GG ! 3KRQHERRN WR DGG D FRQWDFW IURP WKH SKRQHERRN $OWHUQDWLYHO\ SUHVV 0DQXDO WR DGG QDPHV RU QXPEHUV PDQXDOO\ 6HH $GG FRQWDFW S 3UHVV 2. WR FRQILUP 5HSHDW XQWLO \RX KDYH FRQWDFWV PD[LPXP 7LS 7R HGLW RU GHOHWH DQ
(QJOLVK $VVLVWDQFH VHWWLQJV &RQILUP ZLWK
(QJOLVK 7LS
(QJOLVK PHVVDJH 7KH VHWWLQJV IRU SLFWXUH PHVVDJH DUH VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG FDQ EH VHQW WR \RX DXWRPDWLFDOO\ YLD WH[W PHVVDJH ,I QRW VHH 006 VHWWLQJV S RQ KRZ WR VHW \RXU 006 SURILOH 3UHVV WKH VKRUWFXW EXWWRQ RU SUHVV 0HQX ! 0HVVDJHV 6HOHFW &UHDWH QHZ ! 9RLFH PHVVDJH 5HFRUGLQJ VWDUWV LPPHGLDWHO\ 3UHVV 6WRS ZKHQ GRQH DQG SUHVV
(QJOLVK 2SWLRQV ! 6HQG 006 WR ZULWH D QHZ SLFWXUH PHVVDJH 6DYH REMHFWV 006 RQO\ WR VDYH WH[W DQG PHGLD REMHFWV VXFK DV SLFWXUHV VRXQG UHFRUGLQJV DQG YLGHR 'HWDLOV WR YLHZ GHWDLOV RI WKH PHVVDJH 'HOHWH DOO WR GHOHWH DOO 3UHVV
(QJOLVK 6,0 GHIDXOW WR VWRUH PHVVDJHV RQ WKH 6,0 FDUG 3KRQH WR VWRUH PHVVDJHV LQ WKH SKRQH PHPRU\ 3UHVV 2. WR FRQILUP 606 FHQWUH )URP 606 VHWWLQJV VHOHFW 606 FHQWUH ! (GLW (QWHU WKH VHUYLFH FHQWUH QXPEHU 3UHVV &OHDU WR GHOHWH 3UHVV 2. WR FRQILUP &HOO EURDGFDVW
(QJOLVK 006 VHWWLQJV 3UHVV 0HQX ! 6HWWLQJV ! 0HVVDJHV ! 006 VHWWLQJV 0HPRU\ VWDWXV )URP 006 VHWWLQJV VHOHFW 0HPRU\ VWDWXV WR GLVSOD\ WKH PHPRU\ VSDFH XVHG RQ WKH PHPRU\ FDUG LI LQVHUWHG DQG LQ WKH SKRQH PHPRU\ 3UHVV %DFN WR UHWXUQ 6WRUDJH 3LFWXUH PHVVDJHV DUH VDYHG E\ GHIDXOW LQ WKH SKRQH PHPRU\ :KHQ WKH PHPRU\ EHFRPHV IXOO \RX ZLOO QHHG WR HLWKHU GHOHWH D SLFWXUH PHVVDJH VHH ,QER[ 2XWER[ DQG 6HQW S RU VHOHFW WR VDYH \RXU SLFWXUH PHV VDJHV WR WKH PHPRU\ FDUG :KHQ WKH PHPRU\ LV IXOO \R
(QJOLVK 8VHU QDPH WR DGG XVHU QDPH 3DVVZRUG WR DGG SDVVZRUG +RPHSDJH WR DGG KRPHSDJH &RQQHFWLRQ W\SH XVH WKH EXWWRQV DQG WR VHOHFW FRQQHF WLRQ HQWHU +773 RU :$3 3UR[\ DGGUHVV WR DGG SUR[\ DGGUHVV 3UR[\ SRUW WR DGG SUR[\ SRUW 3UR[\ XVHU QDPH WR DGG SUR[\ XVHU QDPH 3UR[\ SDVVZRUG WR DGG SUR[\ SDVVZRUG 3UHVV 2. WR FRQILUP 3UHVV
(QJOLVK 5HPLQGHU 7KH UHPLQGHU DOHUWV \RX RQFH LI \RX KDYHQ W FKHFNHG \RXU PHVVDJHV RU OLVWHQHG WR \RXU YRLFH PDLO ZLWKLQ PLQXWHV IURP UHFHLSW :KHQ QRWLILHG WR HQG WKH QRWLILFDWLRQ DQG QR PRUH UHPLQGHU LV KHDUG SUHVV 3UHVV 0HQX ! 6HWWLQJV ! 0HVVDJHV ! 5HPLQGHU 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH 3UHVV 2.
(QJOLVK &DPHUD &DPHUD WDNH SKRWRV 7R JHW VKDUS SKRWRV ZLSH WKH OHQV FOHDQ ZLWK D GU\ FORWK 3UHVV VKRUWFXW EXWWRQ $OWHUQDWLYHO\ SUHVV 0HQX ! &DPHUD 3UHVV WR WDNH SKRWR 3UHVV 2SWLRQV 6HQG ! 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S 6HQG ! 6HQG E\ %OXHWRRWK VHH %OXHWRRWK S 'HOHWH WR GHOHWH 3UHVV
(QJOLVK ,I \RX LQVHUW D FRPSDWLEOH H[WHUQDO PHPRU\ PLFUR 6' FDUG LQWR \RXU 'RUR \RX FDQ FKDQJH WKH GHIDXOW VWRUDJH ORFDWLRQ VHH 6WRUDJH S 7KLV DOORZV \RX WR VDYH PRUH ILOHV RQ \RXU GHYLFH OLNH SLFWXUHV DQG YLGHRV ,PDJH YLHZHU 9LHZ \RXU VDYHG LPDJHV 3UHVV 0HQX VFUROO WR ! ,PDJH YLHZHU 6HOHFW DQ LPDJH DQG SUHVV 2SWLRQV 9LHZ IRU D VLQJOH LPDJH 3UHVV %DFN ZKHQ GRQH 8VH RU WKH VLGH EXWWRQV ± WR VHH PRUH LPDJHV 6HQG ! 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S
(QJOLVK $FWLYDWH %OXHWRRWK 3UHVV 0HQX ! 6HWWLQJV ! %OXHWRRWK ! $FWLYDWLRQ ! 2Q 3UHVV 2. WR FRQILUP %OXHWRRWK VHWWLQJV 9LVLELOLW\ 3UHVV 0HQX ! 6HWWLQJV ! %OXHWRRWK ! 9LVLELOLW\ ! 2Q 3UHVV 2. WR FRQILUP 1RWH 7R SUHYHQW RWKHU GHYLFHV IURP ILQGLQJ \RXU GHYLFH VHOHFW 2II (YHQ LI \RX VHOHFW 2II SDLUHG GHYLFHV FDQ VWLOO GHWHFW \RXU GHYLFH 'HYLFH QDPH 3UHVV 0HQX ! 6HWWLQJV ! %OXHWRRWK ! 'HYLFH QDPH (QWHU WKH QDPH \RXU 'RUR VKRXOG DSSHDU ZLWK IRU RWKHU %OXH WRRWK GHYLFHV
(QJOLVK 1HWZRUN VHWXS
(QJOLVK 'HOHWH DOO WR GHOHWH DOO ILOHV LQ VHOHFWHG IROGHU 6RUW E\ ! 1DPH RU 7LPH &RS\ RU 0RYH ! 3KRQH RU 0HPRU\ FDUG ! 2SWLRQV ! 2SHQ 6HOHFW D IROGHU HJ 3KRWRV DQG SUHVV 2SWLRQV ! 3DVWH 3UHVV 2.
(QJOLVK 6RXQG 'LVSOD\ 1RWH 6LOHQW QHHGV WR EH VHW WR 2II WR DFFHVV 7RQH VHWXS 9ROXPH $OHUW W\SH DQG ([WUD WRQH $XGLR VHWXS ,I \RX XVH D KHDULQJ DLG RU KDYH KHDULQJ GLIILFXOWLHV ZKHQ XVLQJ WKH GHYLFH LQ D QRLV\ HQYLURQPHQW \RX FDQ DGMXVW WKH DXGLR VHWWLQJV 3UHVV 0HQX ! 6HWWLQJV ! 6RXQG ! $XGLR VHWXS 1RUPDO IRU QRUPDO KHDULQJ LQ QRUPDO FRQGLWLRQV GHIDXOW +LJK IRU PRGHUDWH KHDULQJ LPSDLUPHQW RU XVH LQ D YHU\ QRLV\ HQYLURQPHQW +$& PRGH IRU XVH ZLWK KHDULQJ DLG 3UHVV 2.
(QJOLVK 3UHVV 2. WR FRQILUP 7LS )URP VWDQGE\ PRGH SUHVV DQG KROG VKRUWFXW EXWWRQ WR DFWLYDWH RU GHDFWLYDWH VLOHQW PRGH $OHUW W\SH 6HOHFW WR XVH ULQJWRQH DQG RU YLEUDWLRQ IRU LQFRPLQJ FDOOV 3UHVV 0HQX ! 6HWWLQJV ! 6RXQG ! $OHUW W\SH 5LQJ RQO\ IRU ULQJWRQH RQO\ 9LE RQO\ IRU YLEUDWLRQ RQO\ 9LE DQG ULQJ IRU YLEUDWLRQ DQG ULQJWRQH 9LE WKHQ ULQJ WR VWDUW ZLWK YLEUDWLRQ DQG DGGV ULQJWRQH DIWHU D VKRUW ZKLOH 6LOHQW IRU QR VRXQG RU YLEUDWLRQ WKH GLVSOD\ OLJKW LV OLW 3UHVV 2.
(QJOLVK 7H[W VL]H
(QJOLVK $GGLWLRQDO IXQFWLRQV )0 UDGLR 7KH )0 UDGLR KDV D IUHTXHQF\ UDQJH IURP WR 0+] DQG SUHVHW FKDQQHOV 7R OLVWHQ WR WKH UDGLR \RX QHHG WR FRQQHFW D FRPSDWLEOH KHDGVHW ZKLFK DFWV DV DQ DQWHQQD 7XUQLQJ WKH UDGLR RQ &RQQHFW D KHDGVHW WR WKH KHDGVHW VRFNHW 3UHVV 0HQX ! )0 UDGLR 7KH UDGLR LV WXUQHG RQ 7KH WXQHG IUH TXHQF\ LV GLVSOD\HG 6HOHFW FKDQQHO XVLQJ RU 7LS 3UHVV WR UHWXUQ WR VWDQGE\ PRGH 7KH UDGLR ZLOO FRQWLQXH WR SOD\ 9ROXPH 3UHVV 0HQX ! )0 UDGLR ! 2SWLRQV ! 9
(QJOLVK 'HOHWH WR GHOHWH WKH FKDQQHO 3UHVV
(QJOLVK %HVW JUDGHV WR YLHZ \RXU EHVW UHVXOWV 3UHVV %DFN WR UHWXUQ RU 5HVHW WR UHVHW WKH VFRUHV +HOS WR YLHZ LQVWUXFWLRQV IRU WKH JDPH 3UHVV %DFN WR UHWXUQ 3UHVV 2. WR FRQILUP 6HOHFW 6HWWLQJV 6RXQG HIIHFW WR WXUQ 2Q RU 2II XVH RU WKH VLGH EXWWRQV ± 9ROXPH WR DGMXVW WKH YROXPH XVH RU WKH VLGH EXWWRQV ± 3UHVV 2. WR FRQILUP $ODUP 3UHVV 0HQX ! $ODUP ! 2Q (QWHU WKH DODUP WLPH XVLQJ WKH NH\SDG DQG SUHVV 2.
(QJOLVK &DOHQGDU $GG WDVN 3UHVV 0HQX ! 2UJDQLVHU ! &DOHQGDU ! 2SWLRQV ! $GG WDVN (QWHU GDWH WKHQ SUHVV (QWHU WLPH WKHQ SUHVV (QWHU VXEMHFW VHH (QWHU WH[W S :KHQ GRQH SUHVV 2. 2SWLRQV 3UHVV 0HQX ! 2UJDQLVHU ! &DOHQGDU ! 2SWLRQV 6HOHFW 9LHZ WR VKRZ WDVNV IRU WKH VHOHFWHG GDWH RU 9LHZ DOO WR VHH DOO WDVNV 3UHVV 2SWLRQV ! (GLW 'HOHWH RU 'HOHWH DOO 6HOHFW -XPS WR GDWH DQG HQWHU WKH GDWH 3UHVV 2.
(QJOLVK 6WDWXV 6FUROO WKURXJK WKH 6WDWXV OLVW WR JHW IXUWKHU LQIRUPDWLRQ DERXW WKH LFRQV VKRZQ RQ WRS RI \RXU GLVSOD\ ,FRQV VKRZQ RQ WKH GLVSOD\ YDULHV GH SHQGLQJ RQ \RXU SKRQH VWDWXV 3UHVV 0HQX ! 6WDWXV WR VFUROO WKH OLVW 8VH 3UHVV %DFN WR UHWXUQ WR VWDQGE\ PRGH 'LVSOD\ VWDWXV V\PEROV 6LJQDO VWUHQJWK 1R QHWZRUN FRYHUDJH 5LQJ RQO\ 9RLFH PDLO PHVVDJH UHFHLYHG 5LQJ YLEUDWLRQ $ODUP DFWLYH 9LEUDWLRQ RQO\ %DWWHU\ OHYHO 6LOHQW &DOO GLYHUW DFWLYDWHG 5RDPLQJ LQ RWKHU QHWZRUN %OXHWRRW
(QJOLVK 4XHU\ 6SHDNHU RII 'RQH FRQILUPHG ,QFRPLQJ FDOO 1HZ PHVVDJH 2XWJRLQJ FDOO %DWWHU\ OHYHO ORZ &DOO HQGHG 0LVVHG FDOO 3UHVV 5HDG WR VHH WKH PLVVHG FDOOV 6HDUFKLQJ $VVLVWDQFH EXWWRQ FDOO &DOO RQ KROG Y&DUG PHVVDJH 2XWJRLQJ 626 FDOO 9ROXPH FRQWURO 3URFHVVLQJ SOHDVH ZDLW 5HVHW VHWWLQJV 3UHVV 0HQX ! 6HWWLQJV ! 6HFXULW\ 6HOHFW 5HVHW VHWWLQJV WR UHVHW WKH SKRQH VHWWLQJV $OO WKH FKDQJHV WKDW \RX KDYH PDGH WR WKH SKRQH VHWWLQJV ZLOO EH UHVHW WR GHIDXOW VHWWLQJV (QWHU WKH SKRQH FRG
(QJOLVK 7URXEOHVKRRWLQJ 3KRQH FDQQRW EH VZLWFKHG RQ %DWWHU\ FKDUJH ORZ %DWWHU\ LQFRUUHFWO\ LQVWDOOHG &RQQHFW WKH SRZHU DGDSWHU DQG FKDUJH WKH EDW WHU\ IRU KRXUV )XOO EDWWHU\ FDSDFLW\ LV UHDFKHG DIWHU WKH EDWWHU\ KDV EHHQ FKDUJHG ² WLPHV &KHFN WKH LQVWDOODWLRQ RI WKH EDWWHU\ )DLOXUH WR FKDUJH WKH EDWWHU\ %DWWHU\ RU FKDUJHU &KHFN WKH EDWWHU\ DQG FKDUJHU GDPDJHG %DWWHU\ VKRXOG RQO\ EH ,PSURYH WKH FKDUJLQJ HQYLURQPHQW FKDUJHG LQ WHPSHUDWXUHV EHWZHHQ & DQG & &KDUJHU LQFRUUHFWO\ FRQ &KHFN WKH
(QJOLVK 6,0 FDUG HUURU 6,0 FDUG GDPDJHG 6,0 FDUG LQFRUUHFWO\ LQVWDOOHG 6,0 FDUG GLUW\ RU GDPS &KHFN WKH FRQGLWLRQ RI WKH 6,0 FDUG ,I LW LV GDP DJHG FRQWDFW \RXU VHUYLFH SURYLGHU &KHFN WKH LQVWDOODWLRQ RI WKH 6,0 FDUG 5HPRYH WKH FDUG DQG UHLQVWDOO LW :LSH WKH FRQWDFW VXUIDFHV RI WKH 6,0 FDUG ZLWK D FOHDQ FORWK )DLOXUH WR FRQQHFW WR QHWZRUN 6,0 FDUG LQYDOLG 1R FRYHUDJH RI *60 VHUYLFH &RQWDFW \RXU VHUYLFH SURYLGHU &RQWDFW \RXU VHUYLFH SURYLGHU :HDN VLJQDO 7RR IDU IURP EDVH VWDWLRQ 1HWZRUN FRQJHVW
(QJOLVK )DLOXUH WR VHQG RU GRZQORDG 006 3KRQH PHPRU\ LV IXOO DQG LW LV QRW SRVVLEOH WR VHQG RU GRZQORDG 006 ,QFRUUHFW 006 SURILOH VHOHFWHG 'HOHWH UHFHLYHG 006 RU VHOHFW WR VHW WKH GHIDXOW VWRUDJH IRU 006 WR EH VDYHG RQ D PHPRU\ FDUG QRW LQFOXGHG )RU VRPH VHUYLFH SURYLGHUV WKH 006 SURILOH KDV WR EH VHOHFWHG PDQXDOO\ 6DIHW\ LQVWUXFWLRQV &$87,21 7KH XQLW DQG WKH DFFHVVRULHV FDQ FRQWDLQ VPDOO SDUWV .
(QJOLVK $OZD\V NHHS WKH ZLUHOHVV GHYLFH PRUH WKDQ FP IURP WKH PHGLFDO GHYLFH 6KRXOG QRW FDUU\ WKH SKRQH LQ D EUHDVW SRFNHW +ROG WKH ZLUHOHVV GHYLFH WR WKH HDU RSSRVLWH WKH PHGLFDO GHYLFH ,I \RX KDYH DQ\ UHDVRQ WR VXVSHFW WKDW LQWHUIHUHQFH LV WDNLQJ SODFH WXUQ WKH SKRQH RII LPPHGLDWHO\ ,I \RX KDYH DQ\ TXHVWLRQV DERXW XVLQJ \RXU ZLUHOHVV GHYLFH ZLWK DQ LP SODQWHG PHGLFDO GHYLFH FRQVXOW \RXU KHDOWK FDUH SURYLGHU $UHDV ZLWK H[SORVLRQ ULVN $OZD\V WXUQ RII WKH XQLW ZKHQ \RX DUH LQ DQ DUHD ZKHUH W
(QJOLVK (PHUJHQF\ FDOOV ,03257$17 0RELOH SKRQHV XVH UDGLR VLJQDOV WKH PRELOH SKRQH QHWZRUN WKH WHUUHVWULDO QHWZRUN DQG XVHU SURJUDPPHG IXQFWLRQV 7KLV PHDQV WKDW FRQQHFWLRQ FDQQRW EH JXDUDQWHHG LQ DOO FLUFXPVWDQFHV 7KHUHIRUH QHYHU UHO\ RQO\ RQ D PRELOH SKRQH IRU YHU\ LPSRUWDQW FDOOV VXFK DV PHGLFDO HPHUJHQFLHV *36 /RFDWLRQ EDVHG IXQFWLRQV 6RPH SURGXFWV SURYLGH *36 /RFDWLRQ EDVHG IXQFWLRQV /RFDWLRQ GHWHUPLQLQJ IXQFWLRQDO LW\ LV SURYLGHG ´$V LVµ 1R UHSUHVHQWDWLRQ RU ZDUUDQW\ DUH PDGH DV WR WKH DFFX
(QJOLVK &KHFN \RXU DFFRXQWV UHJXODUO\ IRU XQDSSURYHG RU VXVSLFLRXV XVH ,I \RX ILQG DQ\ VLJQ RI PLVXVH RI \RXU SHUVRQDO LQIRUPDWLRQ FRQWDFW \RXU VHUYLFH SURYLGHU WR GHOHWH RU FKDQJH \RXU DFFRXQW LQIRUPDWLRQ ,Q WKH HYHQW \RXU GHYLFH LV ORVW RU VWROHQ FKDQJH WKH SDVVZRUGV RQ \RXU DFFRXQWV WR SURWHFW \RXU SHUVRQDO LQIRUPDWLRQ $YRLG XVLQJ DSSOLFDWLRQV IURP XQNQRZQ VRXUFHV DQG ORFN \RXU GHYLFH ZLWK D SDWWHUQ SDVVZRUG RU 3,1 0DOZDUH DQG YLUXVHV 7R SURWHFW \RXU GHYLFH IURP PDOZDUH DQG YLUXVHV IROOR
(QJOLVK 2QO\ XVH WKH EDWWHU\ IRU WKH V\VWHP IRU ZKLFK LW LV VSHFLILHG 2QO\ XVH WKH EDWWHU\ ZLWK D FKDUJLQJ V\VWHP WKDW KDV EHHQ TXDOLILHG ZLWK WKH V\VWHP SHU ,((( 6WG 8VH RI DQ XQTXDOLILHG EDWWHU\ RU FKDUJHU PD\ SUHVHQW D ULVN RI ILUH H[SORVLRQ OHDNDJH RU RWKHU KD]DUG 'R QRW VKRUW FLUFXLW D EDWWHU\ RU DOORZ PHWDOOLF FRQGXFWLYH REMHFWV WR FRQWDFW EDWWHU\ WHUPLQDOV 5HSODFH WKH EDWWHU\ RQO\ ZLWK DQRWKHU EDWWHU\ WKDW KDV EHHQ TXDOLILHG ZLWK WKH V\V WHP SHU WKLV VWDQGDUG ,((( 6WG 8VH RI D
(QJOLVK -DYD - 0( DQG DOO RWKHU -DYD EDVHG PDUNV DUH WUDGHPDUNV RU UHJLVWHUHG WUDGHPDUNV RI 6XQ 0LFURV\VWHPV ,QF LQ WKH 8QLWHG 6WDWHV DQG RWKHU FRXQWULHV 7KH FRQWHQWV RI WKLV GRFXPHQW DUH SURYLGHG DV LV ([FHSW DV UHTXLUHG E\ DSSOLFDEOH ODZ QR ZDUUDQWLHV RI DQ\ NLQG HLWKHU H[SUHVV RU LPSOLHG LQFOXGLQJ EXW QRW OLPLWHG WR WKH LPSOLHG ZDUUDQWLHV RI PHUFKDQWDELOLW\ DQG ILWQHVV IRU D SDUWLFXODU SXUSRVH DUH PDGH LQ UHODWLRQ WR WKH DFFXUDF\ UHOLDELOLW\ RU FRQWHQWV RI WKLV GRFXPHQW 'RUR UHVHUYHV WKH U
(QJOLVK :HLJKW %DWWHU\ 2SHUDWLQJ DPELHQW WHPSHUDWXUH &KDUJLQJ DPELHQW WHPSHUDWXUH 6WRUDJH WHPSHUDWXUH J LQFOXGLQJ EDWWHU\ 9 P$K /L LRQ EDWWHU\ 0LQ & ) 0D[ & ) 0LQ & ) 0D[ & ) 0LQ ² & ² ) 0D[ & ) +HDULQJ DLG FRPSDWLELOLW\ 1RWH )RU KHDULQJ DLG FRPSDWLELOLW\ WXUQ RII %OXHWRRWK FRQQHFWLYLW\ 7KLV SKRQH LV KHDULQJ DLG FRPSDWLEOH +HDULQJ DLG FRPSDWLELOLW\ LV QRW D JXDUDQWHH WKDW D VSHFLILF KHDULQJ DLG ZLOO ZRUN ZLWK D VSHFLILF SKRQH 0RELOH SKRQ
(QJOLVK 7HVWV IRU 6$5 DUH FRQGXFWHG XVLQJ VWDQGDUG RSHUDWLQJ SRVLWLRQV ZLWK WKH GHYLFH WUDQV PLWWLQJ DW LWV KLJKHVW FHUWLILHG SRZHU OHYHO LQ DOO WHVWHG IUHTXHQF\ EDQGV 7KH KLJKHVW 6$5 YDOXHV XQGHU WKH ,&1,53 JXLGHOLQHV IRU WKLV GHYLFH PRGHO DUH +HDG 6$5 : NJ %RG\ 6$5 : NJ 'XULQJ QRUPDO XVH WKH 6$5 YDOXHV IRU WKLV GHYLFH DUH XVXDOO\ ZHOO EHORZ WKH YDOXHV VWD WHG DERYH 7KLV LV EHFDXVH IRU SXUSRVHV RI V\VWHP HIILFLHQF\ DQG WR PLQLPL]H LQWHUIHU HQFH RQ WKH QHWZRUN WKH RXWSXW SRZHU RI \RXU
(QJOLVK V\PEROV +J &G RU 3E LQGLFDWH WKDW WKH EDWWHU\ FRQWDLQV PHUFXU\ FDGPLXP RU OHDG DERYH WKH UHIHUHQFH OHYHOV LQ (& 'LUHFWLYH ,I EDWWHULHV DUH QRW SURSHUO\ GLVSRVHG RI WKHVH VXEVWDQFHV FDQ FDXVH KDUP WR KXPDQ KHDOWK RU WKH HQYLURQPHQW 7R SURWHFW QDWXUDO UHVRXUFHV DQG WR SURPRWH PDWHULDO UHXVH SOHDVH VHSDUDWH EDWWHULHV IURP RWKHU W\SHV RI ZDVWH DQG UHF\FOH WKHP WKURXJK \RXU ORFDO IUHH EDWWHU\ UHWXUQ V\VWHP 'HFODUDWLRQ RI &RQIRUPLW\ 'RUR KHUHE\ GHFODUHV WKDW 'RUR FRQIRUPV WR WKH HVVH
(QJOLVK
'RUR (QJOLVK 9HUVLRQ 'RUR $% $OO ULJKWV UHVHUYHG ZZZ GRUR FRP 5(9 ³ 675
