'RUR 3KRQH(DV\ (QJOLVK
1 2 3 4 5 6 7 8 9 17 18 19 16 20 15 14 13 12 11 10 21 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 SLFWXUH PHVVDJH 006 &UHDWH DQG VHQG YRLFH PHVVDJH ,QER[ 2XWER[ DQG 6HQW 0HVVDJH VHWWLQJV &DPHUD &DPHUD WDNH SKRWRV
(QJOLVK 7URXEOHVKRRWLQJ 6DIHW\ LQVWUXFWLRQV 1HWZRUN VHUYLFHV DQG FRVWV 2SHUDWLQJ HQYLURQPHQW 0HGLFDO XQLWV
(QJOLVK &RQJUDWXODWLRQV RQ \RXU SXUFKDVH 'RUR 3KRQH(DV\ LV D JRRG ORRNLQJ SKRQH EULQJLQJ \RX ZLGHO\ VSDFHG FRQYH[ NH\V SUHGLFWLYH WH[W GLUHFW PHPRULHV DQG DQ 606 EXWWRQ IRU HDV\ GLDOOLQJ DQG WH[WLQJ $ FULVS FRORXU GLVSOD\ DQG HQKDQFHG VRXQG VLPSOLI\ XVDJH HYHQ PRUH 2WKHU SUDFWLFDO IHDWXUHV LQFOXGH D WRUFK UH PLQGHUV ZDNH XS DODUP YLEUDWLQJ ULQJHU DQG RQH WRXFK DVVLVWDQFH GLDO OLQJ ZLWK 606 DOHUWV )RU PRUH LQIRUPDWLRQ DERXW DFFHVVRULHV RU RWKHU 'RUR SURGXFWV SOHDVH YLVLW ZZZ GRUR FRP *HW
(QJOLVK ,QVHUW WKH 6' FDUG RSWLRQDO /RFDWH WKH 6' FDUG KROGHU VKDSHG OLNH D 6' FDUG QH[W WR WKH EDWWHU\ DQG JHQWO\ VOLGH WKH FDUG LQ WKH KROG HU 7KH GHYLFH ZRUNV ZLWK RU ZLWKRXW D 6' FDUG LQVWDOOHG 3 GB 1RWH
(QJOLVK &KDUJH WKH SKRQH &$87,21 2QO\ XVH EDWWHULHV FKDUJHUV DQG DFFHVVRULHV WKDW KDYH EHHQ DSSURYHG IRU XVH ZLWK WKLV SDUWLFXODU PRGHO &RQQHFWLQJ RWKHU DFFHVVRULHV PD\ EH GDQJHURXV DQG PD\ LQYDOLGDWH WKH SKRQH V W\SH DSSURYDO DQG JXDUDQWHH 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 SK
(QJOLVK :KHQ FKDUJLQJ LV FRPSOHWHG LV GLVSOD\HG RQ WKH VFUHHQ ,I WKH SKRQH LV WXUQHG RII ZKHQ WKH FKDUJHU LV FRQQHFWHG WR WKH SKRQH RQO\ WKH EDWWHU\ FKDUJH LQGLFDWRU ZLOO EH VKRZQ RQ WKH GLVSOD\ 1RWH 7R VDYH SRZHU WKH /&' EDFNOLJKW JRHV RII DIWHU D ZKLOH 3UHVV DQ\ EXWWRQ WR LOOXPLQDWH WKH GLVSOD\ )XOO EDWWHU\ FDSDFLW\ ZLOO QRW EH UHDFKHG XQWLO WKH EDWWHU\ KDV EHHQ FKDUJHG ² WLPHV %DWWHULHV GHJUDGH RYHU WLPH ZKLFK PHDQV WKDW FDOO WLPH DQG VWDQGE\ WLPH ZLOO QRUPDOO\ GHFUHDVH ZLWK UHJXODU XVH
(QJOLVK $WWHPSWV VKRZV WKH QXPEHU RI 3,1 DWWHPSWV OHIW :KHQ QR PRUH DW WHPSWV UHPDLQ 3,1 EORFNHG LV GLVSOD\HG 7KH 6,0 FDUG PXVW WKHQ EH XQ ORFNHG ZLWK WKH 38. FRGH 3HUVRQDO 8QEORFNLQJ .H\ (QWHU WKH 38. FRGH DQG FRQILUP ZLWK 2. (QWHU D QHZ 3,1 FRGH DQG FRQILUP ZLWK 2. 5H HQWHU QHZ 3,1 FRGH DQG FRQILUP ZLWK 2. 6WDUW XS ZL]DUG :KHQ VWDUWLQJ WKH SKRQH IRU WKH ILUVW WLPH \RX FDQ XVH WKH 6WDUW XS ZL] DUG WR VHW VRPH EDVLF VHWWLQJV 3UHVV
(QJOLVK 7R SHUIRUP WKH H[DPSOH RQ \RXU 'RUR 3KRQH(DV\ \RX VKRXOG GR WKH IROORZLQJ 3UHVV 0HQX VFUROO WR 3KRQHERRN DQG SUHVV 2. 6HOHFW 1HZ FRQWDFW DQG SUHVV $GG (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 VPLOH\V 3UHVV IRU D OLVW RI VSHFLDO FKDUDFWHUV 6HOHFW WKH GHVLUHG FKDUDFWHU ZLWK DQG SUHVV 2.
(QJOLVK $OWHUQDWLYHO\ SUHVV WR FRQWLQXH ZLWK WKH QH[W ZRUG ,I QRQH RI WKH VXJJHVWHG ZRUGV DUH FRUUHFW XVH PDQXDO LQSXW PRGH 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 WHOHSKR
(QJOLVK UHFHLYHU VOLJKWO\ EHORZ RU LQ IURQW RI WKH HDU PD\ UHVXOW LQ EHWWHU SHUIRUPDQFH 6HH DOVR $XGLR VHWXS DXGLR VHWWLQJV S RQ KRZ \RX FDQ DGMXVW WKH WHOHSKRQHV 3KRQH VHWWLQJV 7LPH GDWH 6HW WKH WLPH DQG GDWH 6HWWLQJV *HQHUDO 7LPH GDWH 3UHVV 0HQX 6HW WLPH WR HQWHU WKH WLPH ++ 00 6HW GDWH WR HQWHU WKH GDWH '' 00 <<<< 3UHVV 2. WR FRQILUP 7LS
(QJOLVK 6HOHFW HDFK IXQFWLRQ \RX ZDQW WR GLVDEOH DQG SUHVV 2II 3UHVV 'RQH WR FRQILUP 3,1 FRGH RSWLRQV 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 6,0 ORFN 2Q WR DFWLYDWH WKH 3,1 FRGH
(QJOLVK 8QORFN PRGH WR VHOHFW 6LQJOH NH\ WR XQORFN WKH NH\SDG ZLWK RU 'XDO NH\ WR ORFN XQORFN ZLWK ULJKW VHOHFWLRQ EXWWRQ 1DPH 8QORFN DQG 3UHVV 2. WR FRQILUP &DOOV 0DNH D FDOO (QWHU WKH SKRQH QXPEHU LQFOXGLQJ WKH DUHD FRGH 'HOHWH ZLWK &OHDU 3UHVV WR PDNH D FDOO 3UHVV $ERUW WR FDQFHO WKH FDOO 3UHVV WR HQG WKH FDOO 7LS )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW RSHUDWLRQ 3UHVV WZLFH IRU WKH LQWHUQDWLRQDO SUHIL[ &DOO IURP WKH SKRQHERRN
(QJOLVK 6LOHQW 6LOHQW LV D IL[HG SURILOH ZLWK .H\SDG WRQH 0HVVDJH WRQH DQG 5LQJWRQH GLV DEOHG ZKLOH 9LEUDWLRQ 7DVNV 'DLO\ UHPLQGHU DQG $ODUP DUH XQFKDQJHG 3UHVV DQG KROG VKRUWFXW EXWWRQ WR DFWLYDWH GHDFWLYDWH VLOHQW PRGH +HDGVHW :KHQ D KHDGVHW LV FRQQHFWHG WKH LQWHUQDO PLFURSKRQH LQ WKH SKRQH LV DXWRPDWLFDOO\ GLVFRQQHFWHG ,I DYDLODEOH XVH WKH DQVZHU NH\ RQ WKH KHDG VHW WR DQVZHU DQG HQG FDOOV &$87,21 8VLQJ D KHDGVHW DW KLJK YROXPH PD\ GDPDJH \RXU KHDULQJ $GMXVW WKH YROXPH OHYHO FDUHIXOO\
(QJOLVK 1RWH /RXG EDFNJURXQG QRLVHV PXVLF HWF PD\ LQWHUIHUH ZLWK WKH VRXQG TXDOLW\ 6SHHG GLDO 8VH DQG ² WR VSHHG GLDO DQ HQWU\ IURP VWDQGE\ 3UHVV DQG KROG WKH FRUUHVSRQGLQJ NH\ $GG VSHHG GLDO QXPEHUV 3UHVV 0HQX 6HWWLQJV 3KRQHERRN 6SHHG GLDO $GG DQG VHOHFW DQ HQWU\ IURP WKH SKRQHERRN 6HOHFW 3UHVV 2. WR FRQILUP 5HSHDW WR DGG VSHHG GLDO HQWULHV IRU EXWWRQV ² 7LS 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW RU 'HOHWH 626 FDOOV $V ORQJ DV WKH SK
(QJOLVK 6HQG 606 WR VHQG D WH[W PHVVDJH 6HQG 006 WR VHQG D SLFWXUH PHVVDJH 'HOHWH WR GHOHWH WKH FDOO 'HOHWH DOO WR GHOHWH DOO FDOOV LQ WKH FDOO ORJ 6DYH WR VDYH WKH QXPEHU LQ WKH SKRQHERRN &UHDWH QHZ FUH DWH QHZ FRQWDFW RU 8SGDWH XSGDWH H[LVWLQJ FRQWDFW &DOO VHWWLQJV &DOO WLPH 'XULQJ D FDOO WKH GXUDWLRQ RI WKH FDOO LV VKRZQ
(QJOLVK 7LS ,I DFWLYDWHG UHPLQGHU LQ WKH PHVVDJHV VHWWLQJV D UHPLQGHU VLJQDO ZLOO EH KHDUG DIWHU PLQXWHV LI QRW OLVWHQLQJ WR QHZ YRLFH PDLO PHVVDJHV VHH 5HPLQGHU S 7RS 6HW DQ HQWU\ DV RQH RI WKH ILUVW FRQWDFWV OLVWHG LQ WKH SKRQHERRN 3UHVV WKH VKRUWFXW EXWWRQ RU SUHVV 0HQX 6HWWLQJV 3KRQHERRN 7RS 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\ 3U
(QJOLVK 3UHVV 2. WR FRQILUP &DOO GLYHUW
(QJOLVK 6HOHFW ,QFRPLQJ FDOOV $OO FDOOV WR FDOO EXW QRW WR UHFHLYH LQFRPLQJ FDOOV :KHQ URDPLQJ WR EORFN LQFRPLQJ FDOOV ZKLOH URDPLQJ RSHUDWLQJ LQ RWKHU QHWZRUNV 3UHVV 2. WR FRQILUP 6HOHFW &DQFHO DOO WR FDQFHO DOO FDOO EDUULQJ SDVVZRUG QHHGHG 3UHVV 2. WR FRQILUP )L[HG GLDO )'1
(QJOLVK 8VH WR VHOHFW 0RELOH +RPH RU WKH SKRQH QXPEHU V LQFOXGLQJ WKH DUHD FRGH 6HOHFW 3LFWXUH (GLW WR DVVRFLDWH SLFWXUH WR WKH FRQWDFW VHH 3KRQHERRN SLFWXUH S 7DNH SLFWXUH WR XVH WKH FDPHUD WR WDNH D SLFWXUH 0\ SLFWXUHV WR VHOHFW DQ H[LVWLQJ SLFWXUH 3UHVV 6DYH 2IILFH DQG HQWHU 7LS )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW RSHUDWLRQ 3UHVV WZLFH IRU WKH LQWHUQDWLRQDO SUHIL[ 0DQDJH SKRQHERRN FRQWDFWV 3UHVV 0HQX 3KRQHERRN 6HOHFW D FRQW
(QJOLVK 6HQG E\ 606 WR VHQG WKH VHOHFWHG SKRQHERRN FRQWDFW DV D Y&DUG YLD WH[W PHVVDJH 6HH &UHDWH DQG VHQG WH[W PHVVDJH 606 S 6HQG E\ 006 WR VHQG WKH VHOHFWHG SKRQHERRN FRQWDFW DV D Y&DUG YLD SLFWXUH PHVVDJH 6HH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S 6HQG E\ %OXHWRRWK WR VHQG WKH VHOHFWHG SKRQHERRN FRQ WDFW DV D Y&DUG YLD %OXHWRRWK 6HH %OXHWRRWK S 3UHVV 2.
(QJOLVK ,&( ,Q &DVH RI (PHUJHQF\ )LUVW UHVSRQGHUV FDQ DFFHVV DGGLWLRQDO LQIRUPDWLRQ VXFK DV PHGLFDO LQIRU LQ FDVH RI HPHUJHQF\ ,Q WKH HYHQW PDWLRQ IURP WKH YLFWLP V SKRQH RI D WUDXPD LW LV FULWLFDO WR KDYH WKLV LQIRUPDWLRQ DV HDUO\ DV SRVVLEOH WR LQ FUHDVH WKH FKDQFHV RI VXUYLYDO $OO ILHOGV DUH RSWLRQDO EXW WKH PRUH LQIRU PDWLRQ SURYLGHG WKH EHWWHU 3KRQHERRN ,&( 3UHVV 0HQX 8VH WR VFUROO WKH OLVW RI HQWULHV 3UHVV (GLW WR DGG RU HGLW LQIRUPDWLRQ LQ HDFK HQWU\ VHH (QWHU WH[W S 'HOH
(QJOLVK $VVLVWDQFH EXWWRQ &$87,21 :KHQ DQ DVVLVWDQFH FDOO LV DFWLYDWHG WKH SKRQH LV SUH VHW WR KDQGVIUHH VSHDNHUSKRQH PRGH 'R QRW KROG WKH GHYLFH QHDU \RXU HDU ZKHQ WKH KDQGVIUHH PRGH LV LQ XVH EHFDXVH WKH YROXPH PD\ EH H[WUHPHO\ ORXG 7KH DVVLVWDQFH EXWWRQ DOORZV HDV\ DFFHVV WR FRQWDFW \RXU SUHGHILQHG KHOS QXPEHUV 1XPEHU OLVW VKRXOG \RX QHHG KHOS 0DNH VXUH WKDW WKH DVVLV WDQFH IXQFWLRQ LV DFWLYDWHG EHIRUH XVH HQWHU UHFLSLHQWV LQ WKH QXPEHUV OLVW DQG HGLW WKH WH[W PHVVDJH 0DNH DQ DVVLVWDQFH FDOO
(QJOLVK ,03257$17 ,QIRUPDWLRQ WR WKH UHFLSLHQW RI DQ DVVLVWDQFH FDOO ZKHQ &RQILUP ZLWK LV DFWLYDWHG $IWHU UHFHLYLQJ WKH DVVLVWDQFH PHVVDJH HDFK QXPEHU LQ WKH 1XPEHU OLVW LV FDOOHG VHTXHQWLDOO\ 7R FRQILUP WKH DVVLVWDQFH FDOO WKH UHFLSLHQW QHHGV WR SUHVV ,I WKH UHFLSLHQW GRHVQ·W SUHVV ZLWKLQ VHFRQGV DIWHU DQVZHULQJ WKH FDOO ZLOO EH GLVFRQQHFWHG DQG WKH QH[W QXPEHU LQ WKH VHTXHQFH ZLOO EH FDOOHG ,I WKH UHFLSLHQW SUHVVHV ZLWKLQ VHFRQGV WKH FDOO LV FRQILUPHG DQG QR IXUWKHU FD
(QJOLVK 5HSHDW XQWLO \RX KDYH FRQWDFWV PD[LPXP 7LS 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW RU 'HOHWH $FWLYDWH WH[W PHVVDJHV 606 $ WH[W PHVVDJH FDQ EH VHQW WR WKH FRQWDFWV LQ WKH QXPEHUV OLVW ZKHQ WKH DVVLVWDQFH EXWWRQ LV SUHVVHG $FWLYDWLRQ 6HWWLQJV $VVLVWDQFH 606 $FWLYDWLRQ 3UHVV 0HQX 2Q WR VHQG D WH[W PHVVDJH EHIRUH FDOOLQJ 2II WR FDOO ZLWKRXW VHQGLQJ D WH[W PHVVDJH ILUVW 3UHVV 2.
(QJOLVK +LJK WR XVH ORXG VLJQDOV GHIDXOW /RZ WR XVH RQH ORZ VLJQDO 6LOHQW QR VRXQG LQGLFDWLRQ OLNH D QRUPDO FDOO 3UHVV 2. WR FRQILUP 0HVVDJHV &UHDWH DQG VHQG WH[W PHVVDJH 606 1RWH %HIRUH \RX FDQ VHQG DQ\ WH[W PHVVDJHV \RX QHHG WR VDYH \RXU PHVVDJH FHQWUH QXPEHU 7KH QXPEHU WR \RXU VHUYLFH FHQWUH LV VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG LV XVXDOO\ VHW RQ WKH 6,0 FDUG ,I QRW \RX FDQ HQWHU WKH QXPEHU \RXUVHOI 6HH 606 FHQWUH S 3UHVV VKRUWFXW EXWWRQ RU SUHVV 0HQX 0HVVDJHV
(QJOLVK RU SUHVV 0HQX 0HVVDJHV &UHDWH QHZ 006 S :ULWH \RXU PHVVDJH VHH (QWHU WH[W $GG SLFWXUH 3UHVV 2SWLRQV 0\ SLFWXUHV WR VHOHFW D ILOH 7DNH SLFWXUH WR XVH WKH FDPHUD WR WDNH D SLFWXUH 1RWH ,I \RX DGG PRUH WKDQ RQH SLFWXUH WKH IROORZLQJ SLFWXUHV DUH LQFUHDVLQJO\ FRPSUHVVHG E\ WKH SKRQH VFDOHG GRZQ 7KLV WR DOORZ \RX WR VHQG PRUH SLFWXUHV LQ RQH PHVVDJH 7R NHHS EHVW SLFWXUH TXDOLW\ VHQG RQO\ RQH SLFWXUH SHU PHVVDJH
(QJOLVK ,QER[ 2XWER[ DQG 6HQW 3UHVV WKH VKRUWFXW EXWWRQ RU SUHVV 0HQX 0HVVDJHV 6HOHFW ,QER[ 2XWER[ RU 6HQW 6HOHFW D PHVVDJH DQG SUHVV 5HDG 8VH WR VFUROO XS RU GRZQ 3UHVV 2SWLRQV 9LHZ 006 RQO\ WR YLHZ WKH PHVVDJH &DOO WR FDOO WKH FRQWDFW 5HVHQG WR VHQG DJDLQ WR WKH VDPH UHFLSLHQW 5HSO\ WR ZULWH \RXU UHSO\ WKHQ SUHVV 6HQG 7KH PHVVDJH LV VHQW LPPHGLDWHO\ 'HOHWH WR GHOHWH 3UHVV
(QJOLVK :ULWLQJ ODQJXDJH 3UHVV 0HQX 6HWWLQJV 6HOHFW ODQJXDJH ZLWK 3UHVV 2. WR FRQILUP 0HVVDJHV :ULWLQJ ODQJXDJH 7LS 'XULQJ WH[W LQSXW SUHVV DQG KROG IRU D OLVW RI DYDLODEOH ODQJXDJHV :ULWH VSHHG
(QJOLVK FKDQQHOV DQG UHOHYDQW FKDQQHO VHWWLQJV FRQWDFW \RXU VHUYLFH SURYLGHU &HOO EURDGFDVW PHVVDJHV FDQQRW EH UHFHLYHG ZKHQ WKH GHYLFH LV URDPLQJ )URP 606 VHWWLQJV VHOHFW &HOO EURDGFDVW )XQFWLRQ RQ RII WR WXUQ LQIRUPDWLRQ 2Q RU 2II 5HDG PHVVDJHV WR UHDG WKH PHVVDJH /DQJXDJHV WR VHOHFW ODQJXDJH 2Q RU 2II &KDQQHO VHWWLQJV WR VHOHFW IURP ZKLFK FKDQQHOV WR UHFHLYH RU VXEVFULEH PHVVDJHV 8VH WKH RSWLRQV 6XEVFULEH &DQFHO VXE VFULSWLRQ $GG (GLW DQG 'HOHWH WR GHILQH \RXU FKDQQHOV 3UHV
(QJOLVK 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 \RX ZLOO VHH D QRWLIL FDWLRQ ZKHQ \RX WU\ WR VHQG RU UHFHLYH D SLFWXUH PHVVDJH 1RWH 0DNH VXUH WR LQVHUW D FRPSDWLEOH PHPRU\ FDUG EHIRUH VDYLQJ WR LW VHH ,QVHUW 6,0 FDUG PHPRU\ FDUG DQG EDWWHU\ S 7KH VWRUDJH PHQX RQO\ DSSHDUV LI \R
(QJOLVK 3UR[\ XVHU QDPH WR DGG SUR[\ XVHU QDPH 3UR[\ SDVVZRUG WR DGG SUR[\ SDVVZRUG 3UHVV 2. WR FRQILUP 3UHVV
(QJOLVK 1RWH &RQWDFW \RXU VHUYLFH SURYLGHU IRU GHWDLOHG VXEVFULSWLRQ FRVWV EHIRUH DFWLYDWLQJ 6HWWLQJV 0HVVDJHV 3UHVV 0HQX 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH 3UHVV 2. WR FRQILUP 'HOLYHU\ UHSRUW 'HOHWH 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 6HOHFW ,QER[ 2XWER[ 6HQW RU 'HOHWH DOO PHVVDJHV
(QJOLVK (9 LQIRUPDWLRQ (9 /LJKW VHQVLWLYLW\ FDQ EH DGMXVWHG E\ SXVKLQJ YROXPH NH\V XS GRZQ ZKHQ LQ FDPHUD PRGH =RRP LQIRUPDWLRQ 6HOHFW =RRP =RRP LQ RXW FDQ EH DGMXVWHG E\ XVLQJ XS GRZQ LQ FDPHUD PRGH 6WRUDJH WR VDYH SLFWXUHV RQ 3KRQH RU 0HPRU\ FDUG 1RWH 7KLV RSWLRQ LV RQO\ DYDLODEOH ZKHQ D FRPSDWLEOH H[WHUQDO PHPRU\ LV LQVHUWHG LQ WKH GHYLFH ,PDJH VL]H WR VHW DV 6PDOO ORZHVW TXDOLW\ 03 RU 03 KLJK HVW TXDOLW\ 6KXWWHU VRXQG 2II /RZ RU +LJK 3UHVV 2.
(QJOLVK 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 6HWWLQJV %OXHWRRWK 'HYLFH QDPH 3UHVV 0HQX (QWHU WKH QDPH \RXU 'RUR 3KRQH(DV\ VKRXOG DSSHDU ZLWK IRU RWKHU %OXHWRRWK GHYLFHV 3UHVV 'RQH WR FRQILUP 6HDUFK GHYLFH 3UHVV 0HQX 6HWWLQJV %OXHWRRWK 6HDUFK GHYLFH 6HOHFW D GHYLFH IURP WKH OLVW DQG SUHVV %RQG WR FRQQHFW ,I %OXHWRRWK LV QRW HQDEOHG SUHVV
(QJOLVK 6HOHFW QHWZRUN WR YLHZ DYDLODEOH QHWZRUN D OLVW RI DYDLODEOH QHW ZRUN RSHUDWRUV LV GLVSOD\HG DIWHU D VKRUW GHOD\ 6HOHFW GHVLUHG RSHUDWRU 1HWZRUN PRGH WR VHOHFW DQRWKHU QHWZRUN 6HOHFW $XWRPDWLF WR VHOHFW QHWZRUN DXWRPDWLFDOO\ RU 0DQXDO WR VHOHFW QHWZRUN PDQXDOO\ 6HUYLFHV 7KLV PHQX PD\ FRQWDLQ SUH SURJUDPPHG VHUYLFHV IURP \RXU QHWZRUN SUR YLGHU GHSHQGLQJ RQ QHWZRUN VXSSRUW DQG VXEVFULSWLRQ 3UHVV 0HQX 6HWWLQJV *HQHUDO 6HUYLFHV &RQQHFW WKH SKRQH WR D FRPSXWHU &RQQHFW WKH SKRQH WR
(QJOLVK )LOH PDQDJHU 0DQDJH WKH FRQWHQWV DQG SURSHUWLHV RI ILOHV
(QJOLVK $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. WR FRQILUP 1RWH 7U\ GLIIHUHQW VHWWLQJV WR ILQG WKH RQH WKDW VXLWV \RXU KHDULQJ WKH EHVW 7RQH VHWXS ULQJWRQH 6HOHFW D ULQJWRQ
(QJOLVK $OHUW W\SH 6HOHFW WR XVH ULQJWRQH DQG RU YLEUDWLRQ IRU LQFRPLQJ FDOOV 6HWWLQJV 6RXQG $OHUW W\SH 3UHVV 0HQX 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. WR FRQILUP ([WUD WRQH
(QJOLVK 3UHVV 0HQX 6HWWLQJV 'LVSOD\ 6HOHFW 7H[W VL]H 1RUPDO RU /DUJH 3UHVV 2. WR FRQILUP ,GOH GLVSOD\ ,Q VWDQGE\ PRGH WKH GLVSOD\ FDQ VKRZ FORFN RQO\ FORFN DQG WKH VHUYLFH SURYLGHU RU DOO LQIRUPDWLRQ 6HWWLQJV 'LVSOD\ 3UHVV 0HQX 6HOHFW ,GOH GLVSOD\ &ORFN RQO\ &ORFN LQIRUPDWLRQ 3UHVV 2. WR FRQILUP 2SHUDWRU $OO LQIR RU 1R 7KHPHV
(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 )0 UDGLR 2SWLRQV 3UHVV 0HQX 8VH RU
(QJOLVK 'HOHWH WR GHOHWH WKH FKDQQHO 3UHVV
(QJOLVK 1RWH 7KH WRUFK ZLOO GUDLQ WKH EDWWHU\ YHU\ TXLFNO\ 5HPHPEHU WR SRZHU RII WKH WRUFK DIWHU XVH &DOFXODWRU 7KH &DOFXODWRU FDQ SHUIRUP EDVLF PDWKHPDWLFDO RSHUDWLRQV &DOFXODWRU 3UHVV 0HQX (QWHU WKH ILUVW QXPEHU 8VH WR HQWHU GHFLPDO SRLQWV 8VH WKH DUURZ EXWWRQV WR VHOHFW DQ RSHUDWLRQ [ ¸ DQG SUHVV 2. (QWHU WKH QH[W QXPEHU DQG SUHVV 2. 5HSHDW VWHSV ² DV QHFHVVDU\ 6HOHFW DQG SUHVV 2.
(QJOLVK 3UHVV 6DYH WR FRQILUP 7LS 7R HGLW DQ DODUP SUHVV (GLW RU 2II WR VWRS WKH DODUP 6QRR]H RU VWRS :KHQ WKH DODUP VRXQGV 6HOHFW 6WRS WR VWRS 6HOHFW 6QRR]H WR UHSHDW DIWHU PLQXWHV 1RWH 7KH DODUP ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV SRZHUHG RII 'R QRW SRZHU RQ \RXU SKRQH LI ZLUHOHVV SKRQH XVH LV SURKLELWHG RU ZKHQ LW PD\ FDXVH LQWHUIHUHQFH RU GDQJHU 2UJDQLVHU 3UHVV 0HQX VFUROO WR DQG SUHVV 2. 6HOHFW RQH RI WKH IROORZLQJ RSWLRQV DQG SUHVV 2.
(QJOLVK 1RWH 7KH FDOHQGDU ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV SRZHUHG RII 'R QRW SRZHU RQ \RXU SKRQH LI ZLUHOHVV SKRQH XVH LV SURKLELWHG RU ZKHQ LW PD\ FDXVH LQWHUIHUHQFH RU GDQJHU 'DLO\ UHPLQGHU 3UHVV 0HQX 2UJDQLVHU (QWHU WLPH WKHQ SUHVV (QWHU VXEMHFW VHH (QWHU WH[W 3UHVV 2. WR FRQILUP 'DLO\ UHPLQGHU $GG S 6QRR]H RU VWRS :KHQ WKH DODUP VRXQGV 6HOHFW 6WRS WR VWRS 6HOHFW 6QRR]H WR UHSHDW DIWHU PLQXWHV 1RWH 7KH UHPLQGHU ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV SRZHUHG RII '
(QJOLVK 9LEUDWLRQ RQO\ %DWWHU\ OHYHO 6LOHQW &DOO GLYHUW DFWLYDWHG 5RDPLQJ LQ RWKHU QHWZRUN %OXHWRRWK RQ YLVLEOH WR RWKHUV %OXHWRRWK RQ LQYLVLEOH WR RWKHUV 0LVVHG FDOO +HDGVHW FRQQHFWHG %OXHWRRWK FRQQHFWHG 8QUHDG WH[W PHVVDJH 606 'LVSOD\ PDLQ V\PEROV 0XWH &KDUJHU FRQQHFWHG 0HVVDJH VHQGLQJ VXFFHVV &KDUJHU UHPRYHG 0HVVDJH VHQGLQJ IDLOHG +HDGVHW LQ (UURU +HDGVHW RXW :DUQLQJ 6SHDNHU RQ 4XHU\ 6SHDNHU RII 'RQH FRQILUPHG ,QFRPLQJ FDOO 1HZ PHVVDJH 2XWJRLQJ FDOO %DWWHU\ OHYHO ORZ &DOO HQG
(QJOLVK 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 FRGH DQG SUHVV 2. WR UHVHW 7LS 7KH GHIDXOW SKRQH FRGH LV 5HVHW DOO 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 6HOHFW 5HVHW DOO WR GHOHWH SKRQH VHWWLQJV DQG FRQWHQW VXFK DV FRQ WDFWV QXPEHU OLVWV DQG PHVVDJHV 6,0 PHPRU\ LV QRW DIIHFWHG (QWHU WKH SKRQH FRGH DQG SUHVV 2.
(QJOLVK 3KRQHERRN WR DGG D FRQWDFW IURP WKH 3KRQHERRN 3UHVV 2. WR FRQILUP 0DQXDO DQG HQWHU WKH QDPH DQG QXPEHU 3UHVV 2. WR FRQILUP 5HSHDW XQWLO \RX KDYH FRQWDFWV PD[LPXP 7LS 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV 9LHZ (GLW 'HOHWH
(QJOLVK ,QVWUXFWLRQV IRU WKH UHPRWH XVHU 6HQG UHPRWH FRQWURO FRPPDQGV E\ WH[W PHVVDJH 0DNH VXUH DFWLYDWLRQ LV VHW WR 2Q DQG WKDW WKH UHPRWH XVHU LV VDYHG LQ WKH 1XPEHU OLVW RQ WKH 'RUR 3KRQH(DV\ 7H[W PHVVDJH IRUPDW PXVW EH &RPPDQG RWKHUZLVH WKH WH[W PHVVDJH FDQQRW EH LGHQWLILHG DV D UHPRWH FRQWURO FRPPDQG $OZD\V XVH VLJQ WR VHSDUDWH DQG WR HQG SDUDPHWHUV SDUDPHWHUV DUH WKH FRQWHQW \RX ZDQW WR VHQG 7R DYRLG XQLQWHQWLRQDO UHPRYDO RI FRQWDFWV IURP WKH SKRQHERRN FRQWDFWV DOUHDG\ LQ WKH SKRQHER
(QJOLVK 2EMHFWLYH :ULWH (QDEOH WKH WH[W PHVVDJH IXQFWLRQ 7KH WH[W PHVVDJH VKRXOG EH 7KLV LV DQ DVVLVWDQFH PHVVDJH 3OHDVH WDNH DSSURSULDWH DFWLRQV DOHUW P 7KLV LV DQ DVVLVWDQFH PHVVDJH 3OHDVH WDNH DSSURSULDWH DFWLRQV 2EMHFWLYH :ULWH (QDEOH WKH &RQILUP ZLWK IXQFWLRQ DOHUW F 2EMHFWLYH :ULWH 'LVDEOH WKH &RQILUP ZLWK IXQFWLRQ DOHUW F 2EMHFWLYH :ULWH 6HW WKH 6LJQDO W\SH WR ORZ DOHUW V 2EMHFWLYH :ULWH 6HW WKH 6LJQDO W\SH WR KLJK DOHUW V 2EMHFWLYH :ULWH 6HW WKH 6LJQ
(QJOLVK )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 FKDUJHU FRQQHFWLRQV QHFWHG WR SKRQH RU SRZHU VRFNHW 6WDQGE\ WLPH GHFUHDVHV %DWWHU\ FKDUJH FDSDFLW\ WRR ORZ 7RR IDU IURP EDVH VWD WLRQ SKRQH LV FRQVWDQWO\ VHDUFKLQJ IRU VLJQDO ,QVWDOO D QHZ EDWWHU\ 6HDUFKLQJ WKH QHWZRUN FRQVXPHV EDWWHU\ SRZHU )LQG D SODFH ZLWK D VWURQJH
(QJOLVK :HDN VLJQDO 7RR IDU IURP EDVH VWDWLRQ 1HWZRUN FRQJHVWLRQ 7U\ DJDLQ IURP DQRWKHU ORFDWLRQ 7U\ FDOOLQJ DW D ODWHU WLPH (FKR RU QRLVH 5HJLRQDO SUREOHP IURP EDG QHWZRUN UHOD\ +DQJ XS DQG UHGLDO 7KLV PD\ VZLWFK WR DQRWKHU QHWZRUN UHOD\ )DLOXUH WR DGG D FRQWDFW 3KRQHERRN PHPRU\ IXOO 'HOHWH FRQWDFWV WR IUHH XS PHPRU\ )DLOXUH WR VHW D IXQFWLRQ )XQFWLRQ QRW VXSSRUWHG RU VXEVFULEHG IURP QHWZRUN &RQWDFW \RXU VHUYLFH SURYLGHU 8QDEOH WR VHQG RU UHFHLYH 3LFWXUH 0HVVDJHV 006 ZLWK WKH 6,0 FDUG 7KH 0
(QJOLVK 1HWZRUN VHUYLFHV DQG FRVWV
(QJOLVK ZKHUH \RX DUH QRUPDOO\ UHTXHVWHG WR WXUQ RII \RXU FDU HQJLQH ,Q WKHVH DUHDV VSDUNV FDQ FDXVH H[SORVLRQ RU ILUH ZKLFK FDQ OHDG WR SHUVRQDO LQMXU\ RU HYHQ GHDWK 7XUQ RII WKH XQLW DW ILOOLQJ VWDWLRQV DQG DQ\ RWKHU SODFH WKDW KDV IXHO SXPSV DQG DXWR UH SDLU IDFLOLWLHV )ROORZ WKH UHVWULFWLRQV WKDW DSSO\ WR WKH XVH RI UDGLR HTXLSPHQW QHDU SODFHV ZKHUH IXHO LV VWRUHG DQG VROG FKHPLFDO IDFWRULHV DQG SODFHV ZKHUH EODVWLQJ LV LQ SURJUHVV $UHDV ZLWK ULVN IRU H[SORVLRQ DUH RIWHQ ² EXW QRW DOZD\V ² FOHDU
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
(QJOLVK 7KLV JXDUDQWHH ZLOO QRW DSSO\ WR D IDXOW FDXVHG E\ DQ DFFLGHQW RU D VLPLODU LQFLGHQW RU GDPDJH OLTXLG LQJUHVV QHJOLJHQFH DEQRUPDO XVDJH QRQ PDLQWHQDQFH RU DQ\ RWKHU FLU FXPVWDQFHV RQ WKH XVHU·V SDUW )XUWKHUPRUH WKLV JXDUDQWHH ZLOO QRW DSSO\ WR DQ\ IDXOW FDXVHG E\ D WKXQGHUVWRUP RU DQ\ RWKHU YROWDJH IOXFWXDWLRQV $V D PDWWHU RI SUHFDXWLRQ ZH UHFRPPHQG GLVFRQQHFWLQJ WKH FKDUJHU GXULQJ D WKXQGHUVWRUP %DWWHULHV DUH FRQVXPDEOHV DQG DUH QRW LQFOXGHG LQ DQ\ JXDUDQWHH 7KLV JXDUDQWHH GRHV QRW DSSO\
(QJOLVK 'RUR GRHV QRW SURYLGH D ZDUUDQW\ IRU RU WDNH DQ\ UHVSRQVLELOLW\ IRU WKH IXQFWLRQDOLW\ FRQ WHQW RU HQG XVHU VXSSRUW RI WKLUG SDUW\ DSSV SURYLGHG ZLWK \RXU GHYLFH %\ XVLQJ DQ DSS \RX DFNQRZOHGJH WKDW WKH DSS LV SURYLGHG DV LV 'RUR GRHV QRW PDNH DQ\ UHSUHVHQWD WLRQV SURYLGH D ZDUUDQW\ RU WDNH DQ\ UHVSRQVLELOLW\ IRU WKH IXQFWLRQDOLW\ FRQWHQW RU HQG XVHU VXSSRUW RI WKLUG SDUW\ DSSV SURYLGHG ZLWK \RXU GHYLFH &RQWHQW FRS\ULJKW 7KH XQDXWKRULVHG FRS\LQJ RI FRS\ULJKWHG PDWHULDOV LV FRQWUDU\ WR W
3KRQH(DV\ (QJOLVK 9HUVLRQ 'RUR $% $OO ULJKWV UHVHUYHG ZZZ GRUR FRP 5(9 ³ 675