'RUR 3KRQH(DV\ (QJOLVK
1 2 20 23 19 3 4 5 6 7 14 13 12 11 10 22 18 15 17 16 21 9 8 (QJOLVK (DUSLHFH 'LVSOD\ $UURZ EXWWRQV /HIW VHOHFWLRQ EXWWRQ &DOO EXWWRQ 6SHHG GLDOV 9RLFH PDLO ,QSXW PHWKRG 6LOHQW &DPHUD VKRUWFXW 0HVVDJH VKRUWFXW 9ROXPH FRQWURO (QG FDOO 3RZHU RQ RII 0LFURSKRQH 5LJKW VHOHFWLRQ EXWWRQ &KDUJLQJ VRFNHW +HDGVHW VRFNHW $VVLVWDQFH EXWWRQ &DPHUD OHQV )ODVK ([WHUQDO GLVSOD\ /RXGVSHDNHU *UHHQ OLJKW 1HZ PHVVDJH 0LVVHG FDOO 5HG
25 24 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 ,QVWDOODWLRQ ,QVWDOO WKH 6,0 FDUG PHPRU\ FDUG DQG WKH EDWWHU\ &KDUJLQJ *HW WR NQRZ \RXU SKRQH $VVLVWLYH IXQFWLRQV
(QJOLVK &UHDWH DQG VHQG D YRLFH PHVVDJH ,QER[ 2XWER[ DQG 6HQW &DOO ORJ 5HWULHYH DQG GLDO &DPHUD
(QJOLVK (PHUJHQF\ FDOOV 9HKLFOHV &DUH DQG PDLQWHQDQFH :DUUDQW\ 6SHFLILFDWLRQV
(QJOLVK ,QVWDOODWLRQ ,03257$17 7XUQ RII WKH SKRQH DQG GLVFRQQHFW WKH FKDUJHU EHIRUH UHPRYLQJ WKH EDWWHU\ FRYHU ,QVWDOO WKH 6,0 FDUG PHPRU\ FDUG DQG WKH EDWWHU\ 7KH 6,0 DQG PHPRU\ FDUG KROGHU·V DUH ORFDWHG LQVLGH WKH EDWWHU\ FRPSDUWPHQW 1 2 3 4 5 5HPRYH WKH EDWWHU\ FRYHU DQG WKH EDWWHU\ LI LW LV DOUHDG\ LQVWDOOHG 2SWLRQDO ,QVHUW WKH PHPRU\ FDUG LQWR WKH VORW XQGHU WKH 6,0 FDUG KROGHU 0DNH VXUH WKDW WKH PHPRU\ FDUG FRQWDFWV DUH IDFLQJ XS ZDUGV DQG SXVK WKH FDUG LQ XQWLO \RX
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
(QJOLVK *HW WR NQRZ \RXU SKRQH $VVLVWLYH IXQFWLRQV 7KH IROORZLQJ V\PEROV LQGLFDWH LQIRUPDWLRQ LQ WKH PDQXDO DERXW DVVLVWLYH IXQFWLRQV IRU 6HHLQJ +DQGOLQJ +HDULQJ 6DIHW\ 7XUQ WKH SKRQH RQ DQG RII 3UHVV DQG KROG WKH UHG EXWWRQ ILUP ZLWK
(QJOLVK &KDQJH WKH ODQJXDJH WLPH DQG GDWH 7KH GHIDXOW ODQJXDJH LV GHWHUPLQHG E\ WKH 6,0 FDUG 6HH *HQHUDO S RQ KRZ WR FKDQJH ODQJXDJH WLPH DQG GDWH 3KRQH LQGLFDWRUV /LJKWV RQ WKH SKRQH ZLOO )ODVK JUHHQ ZKHQ \RX KDYH D QHZ PHVVDJH RU D PLVVHG FDOO $IWHU UHDGLQJ WKH QHZ PHVVDJH PLVVHG FDOO WKH IODVKLQJ ZLOO VWRS )ODVK UHG ZKHQ WKH EDWWHU\ LV UXQQLQJ ORZ DQG GXULQJ FKDUJLQJ ([WHUQDO GLVSOD\ 7KH H[WHUQDO GLVSOD\ VKRZV WKH WLPH D QXPEHU RI VWDWXV LQGLFDWRUV DQG QRWLILFDWLRQV IRU LQFRPLQJ FD
(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 (QWHULQJ WH[W (QWHULQJ 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 ,I QRQH RI WKH VXJJHVWHG ZRUGV DUH FRUUHFW XVH PDQXDO LQSXW PRGH ,QSXW PRGH 3UHVV WR FKDQJH LQSXW PRGH 7KH LFRQ RQ WKH WRS OHIW RI WKH GLVSOD\ LQ GLFDWHV 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 'RUR ([SHULHQFH 'RUR ([SHULHQFH 0DQDJHU 7KH ZHE EDVHG 'RUR ([SHULHQFH 0DQDJHU ZZZ GRURH[SHULHQFH FRP HQDEOHV \RX WR UHPRWHO\ PDQDJH D 'RUR ([SHUL
(QJOLVK 6LOHQW &DOO GLYHUW DFWLYDWHG 5RDPLQJ LQ RWKHU QHWZRUN %OXHWRRWK RQ YLVLEOH WR RWKHUV %OXHWRRWK RQ LQYLVLEOH WR RWKHUV 0LVVHG FDOO +HDGVHW FRQQHFWHG %OXHWRRWK FRQQHFWHG 9RLFH PDLO PHVVDJH UHFHLYHG 8QUHDG SLFWXUH PHVVDJH 006 'DWD WUDQVPLVVLRQ '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
(QJOLVK &DOO IXQFWLRQV 0DNH D FDOO (QWHU WKH SKRQH QXPEHU LQFOXGLQJ WKH DUHD FRGH 'HOHWH ZLWK &OHDU 3UHVV WR GLDO 3UHVV $ERUW WR FDQFHO GLDOOLQJ 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 3UHVV 1DPH WR RSHQ WKH SKRQHERRN 8VH WR VFUROO WKURXJK WKH SKRQHERRN RU TXLFN VHDUFK E\ SUHVVLQJ WKH NH\ FRUUHVSRQGLQJ WR WKH ILUVW OHWWHU RI WKH HQWU\ VHH
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
(QJOLVK 63. RQ ULJKW VHOHFWLRQ EXWWRQ 7KH ORXGVSHDNHU DOORZV \RX WR VSHDN ZLWKRXW KROGLQJ WKH SKRQH FORVHO\ WR WKH HDU 63. RQ WR DFWLYDWH DQG VSHDN FOHDUO\ LQWR WKH SKRQH PLFURSKRQH DW D PD[LPXP GLVWDQFH RI P 8VH WKH VLGH NH\V ± WR DGMXVW WKH ORXGVSHDNHU YROXPH 63. RII WR UHWXUQ WR QRUPDO PRGH 1RWH /RXG EDFNJURXQG QRLVHV PXVLF HWF PD\ LQWHUIHUH ZLWK WKH VRXQG TXDOLW\ &DOO ZDLWLQJ $Q DOHUW WRQH LV KHDUG LI WKHUH LV DQ LQFRPLQJ FDOO ZKLOH WDONLQJ 7R SXW WKH FXUUHQW FDOO RQ KROG DQG DQVZHU
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
(QJOLVK E\ D YRLFHPDLO DQVZHULQJ VHUYLFH SOHDVH DFWLYDWH WKH IXQFWLRQ &RQ ILUP ZLWK 6HH &RQILUP ZLWK S 1RWH 6RPH SULYDWH VHFXULW\ FRPSDQLHV FDQ DFFHSW DXWRPDWLF FDOOV IURP WKHLU FOLHQWV $OZD\V FRQWDFW WKH VHFXULW\ FRPSDQ\ EHIRUH XVLQJ WKHLU SKRQH QXPEHU ,03257$17 ,QIRUPDWLRQ WR WKH UHFHLYHU RI DQ DVVLVWDQFH FDOO ZKHQ &RQILUP ZLWK LV DFWLYDWHG $IWHU UHFHLYLQJ WKH DVVLVWDQFH PHVVDJH HDFK QXPEHU LQ WKH 1XPEHU OLVW ZLOO EH FDOOHG VHTXHQWLDOO\ 7R FRQILUP WKH DVVLVWDQFH FDOO W
(QJOLVK 0\ SLFWXUHV WR VHOHFW DQ H[LVWLQJ SLFWXUH 3UHVV 6DYH 7LS )RU LQWHUQDWLRQDO FDOOV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW RSHUDWLRQ 3UHVV WZLFH IRU WKH LQWHUQDWLRQDO SUHIL[ &UHDWH ,&( FRQWDFW ,Q &DVH RI (PHUJHQF\ :LWK DGGLWLRQDO LQIRUPDWLRQ DQG PHGLFDO LQIRUPDWLRQ ILUVW UHVSRQGHUV FDQ DFFHVV LQIRUPDWLRQ IURP WKH YLFWLP V SKRQH LQ FDVH RI HPHUJHQF\ ,Q WKH HYHQW RI D WUDXPD LW LV FULWLFDO WR KDYH WKLV LQIRUPDWLRQ DV HDUO\ DV SRVVLEOH ZKLFK FDQ LQFUHDVH WKH FKDQFHV RI VXUYLYDO
(QJOLVK &RS\ DOO )URP SKRQH WR FRS\ DOO SKRQHERRN HQWULHV IURP WKH SKRQH PHPRU\ WR WKH 6,0 FDUG 3UHVV
(QJOLVK 1DPH HQWHU \RXU QDPH %LUWK HQWHU \RXU GDWH RI ELUWK +HLJKW HQWHU \RXU KHLJKW :HLJKW HQWHU \RXU ZHLJKW $GGUHVV HQWHU \RXU KRPH DGGUHVV /DQJXDJH HQWHU \RXU SUHIHUUHG ODQJXDJH ,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 ,PSRUWD
(QJOLVK 6HOHFW &UHDWH QHZ 606 :ULWH \RXU PHVVDJH VHH (QWHULQJ WH[W S WKHQ SUHVV 7R 6HOHFW D UHFLSLHQW IURP 3KRQHERRN $OWHUQDWLYHO\ VHOHFW (QWHU QXPEHU WR DGG D UHFLSLHQW PDQXDOO\ DQG SUHVV 'RQH 3UHVV $GG WR DGG PRUH UHFLSLHQWV
(QJOLVK 3UHVV 6HQG WR VHQG &UHDWH DQG VHQG D YRLFH PHVVDJH $ YRLFH PHVVDJH XVHV WKH VDPH WHFKQRORJ\ DV D SLFWXUH PHVVDJH %RWK \RX DQG WKH UHFLSLHQW PXVW KDYH VXEVFULSWLRQV WKDW VXSSRUW SLFWXUH PHV VDJH 7KH VHWWLQJV IRU SLFWXUH PHVVDJH DUH VXSSOLHG E\ \RXU VHUYLFH SUR YLGHU 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 VKRUWFXW EXWWRQ $OWHUQDWLYHO\ SUHVV 0HQX 0HVVDJHV 6HOHFW &UHDWH QHZ 9RLFH PHVVDJH
(QJOLVK 'HOHWH WR GHOHWH 3UHVV
(QJOLVK 6DYH WR VDYH WKH QXPEHU LQ WKH SKRQHERRN 3UHVV 2. WR FRQILUP 3UHVV WR GLDO &DPHUD
(QJOLVK 3UHVV WR VWDUW UHFRUGLQJ 3UHVV WR VWRS UHFRUGLQJ 6HOHFW
(QJOLVK 5HQDPH WR UHQDPH SLFWXUH 3UHVV 2. WR FRQILUP &RQQHFW WKH SKRQH WR D FRPSXWHU &RQQHFW WKH SKRQH WR D FRPSXWHU DQG VWDUW WUDQVIHUULQJ SLFWXUHV PXVLF DQG RWKHU ILOH W\SHV $OO \RX KDYH WR GR LV FRQQHFW D 86% FDEOH EHWZHHQ WKH SKRQH DQG FRPSXWHU )URP \RXU FRPSXWHU V ILOH H[SORUHU \RX FDQ GUDJ DQG GURS FRQWHQW EHWZHHQ \RXU SKRQH DQG WKH FRPSXWHU 1RWH
(QJOLVK 1RWH 'R QRW GLVFRQQHFW WKH 86% FDEOH ZKHQ WUDQVIHUULQJ FRQWHQW DV WKLV PD\ FRUUXSW WKH FRQWHQW &RPSXWHU LQVWUXFWLRQV PD\ YDU\ GHSHQGLQJ RQ \RXU RSHUDWLQJ V\VWHP 6HH WKH GRFXPHQWDWLRQ RI \RXU FRPSXWHU V RSHUDWLQJ V\VWHP IRU PRUH LQIRUPDWLRQ 6HWWLQJV 8VH WKH 6HWWLQJV PHQX WR SHUVRQDOLVH \RXU 'RUR 3KRQH(DV\ *HQHUDO 7LPH GDWH 6HW WKH WLPH DQG GDWH 6HWWLQJV *HQHUDO 3UHVV 0HQX 6HOHFW 7LPH GDWH 6HW WLPH WR HQWHU WKH WLPH ++ 00 6HW GDWH WR HQWHU WKH GDWH '' 00 <<<< 3UHVV
(QJOLVK /DQJXDJH 7KH GHIDXOW ODQJXDJH IRU WKH SKRQH PHQXV PHVVDJHV HWF LV GHWHUPLQHG E\ WKH 6,0 FDUG
(QJOLVK *60 VHUYLFH RQO\ * VHUYLFH RQO\ $XWRPDWLF VZLWFK EHWZHHQ *60 DQG * IRU EHVW VHUYLFH ,03257$17 ,I \RX VHW \RXU SKRQH WR XVH *60 RQO\ RU * RQO\ \RX ZLOO QRW EH DEOH WR PDNH DQ\ FDOOV LQFOXGLQJ HPHUJHQF\ FDOOV RU XVH RWKHU IHDWXUHV UHTXLULQJ D QHWZRUN FRQQHFWLRQ LI WKH VHOHFWHG QHWZRUN LV XQDYDLODEOH 1HWZRUN LQIRUPDWLRQ 9LHZ \RXU FXUUHQW QHWZRUN VHWWLQJV 6HUYLFHV 7KLV PHQX PD\ FRQWDLQ SUH SURJUDPPHG VHUYLFHV IURP \RXU QHWZRUN SUR YLGHU GHSHQGLQJ RQ QHWZRUN VXSSRUW DQG VXEVFULSWLR
(QJOLVK 3KRQHERRN SLFWXUH
(QJOLVK 5LQJWRQH YROXPH 3UHVV 0HQX 6HWWLQJV 6RXQG 9ROXPH 8VH WR FKDQJH WKH ULQJWRQH YROXPH 3UHVV 2. WR FRQILUP 6LOHQW 3UHVV 0HQX 6HWWLQJV 6RXQG 6HOHFW 6LOHQW 2Q 2II WR HQDEOH GLVDEOH 3UHVV 2. WR FRQILUP 7LS 3UHVV DQG KROG VKRUWFXW EXWWRQ WR DFWLYDWH GHDFWLYDWH 6LOHQW PRGH $OHUW W\SH ,QFRPLQJ FDOOV FDQ EH VLJQDOOHG E\ D ULQJWRQH DQG RU YLEUDWLRQ 6HWWLQJV 6RXQG 3UHVV 0HQX 6HOHFW $OHUW W\SH 5LQJ RQO\ IRU ULQJWRQH RQO\ 9LE RQO\ IRU YLEUDWLRQ RQO\ 9LE D
(QJOLVK 'LVSOD\ 0DLQ PHQX
(QJOLVK /&' EDFNOLJKW 6HOHFW WKH GHOD\ WLPH IRU WKH GLVSOD\ EDFNOLJKW 6HWWLQJV 3UHVV 0HQX 6HOHFW /&' EDFNOLJKW VHF VHF PLQ 3UHVV 2. WR FRQILUP 'LVSOD\ %ULJKWQHVV
(QJOLVK 1RWH 7KH XVHUQDPH PD\ FRQWDLQ OHWWHUV D ] DQG QXPEHUV EXW LV QRW DOORZHG .HHS WKH RZQHU QXPEHU LQ D VDIH SODFH VLQFH LW ZLOO EH QHHGHG LI \RX QHHG WR UHVHW /RJ LQ /RJ RXW 3UHVV 0HQX 6HWWLQJV 'RUR ([SHULHQFH (QWHU \RXU SKRQH QXPEHU DV XVHU QDPH (QWHU \RXU SDVVZRUG DQG SUHVV /RJ LQ /RJ LQ 2SWLRQV
(QJOLVK 3UHVV %DFN WR UHWXUQ :HDWKHU 1RWH
(QJOLVK 6SHHG GLDO $ % DQG ² FDQ EH XVHG IRU VSHHG GLDOOLQJ 7R VSHHG GLDO DQ HQWU\ IURP VWDQGE\ SUHVV DQG KROG FRUUHVSRQGLQJ EXWWRQ 3UHVV 0HQX 6HWWLQJV &DOOV 6SHHG GLDO 6HOHFW $ $GG DQG VHOHFW DQ HQWU\ IURP WKH SKRQHERRN 3UHVV 2. WR FRQILUP 5HSHDW WR DGG VSHHG GLDO HQWULHV IRU EXWWRQV % ² 7R FKDQJH D FRQWDFW VHOHFW DQ H[LVWLQJ HQWU\ DQG SUHVV 2SWLRQV 'HOHWH (GLW
(QJOLVK /DVW FDOO WR VKRZ WKH HODSVHG WLPH RI WKH PRVW UHFHQW FDOO 2XWJRLQJ FDOOV WR VKRZ WKH HODSVHG WLPH RI DOO GLDOOHG FDOOV 5HFHLYHG FDOOV WR VKRZ WKH HODSVHG WLPH RI DOO UHFHLYHG FDOOV 5HVHW DOO
(QJOLVK
(QJOLVK ,QW H[FHSW KRPH XQDEOH WR FDOO LQWHUQDWLRQDO QXPEHUV H[FHSW WR WKH FRXQWU\ DVVRFLDWHG ZLWK WKH 6,0 FDUG 3UHVV 2. WR FRQILUP 6HOHFW ,QFRPLQJ FDOOV $OO FDOOV WR GLDO RXW EXW QRW UHFHLYH LQFRPLQJ FDOOV :KHQ URDPLQJ XQDEOH WR UHFHLYH LQFRPLQJ FDOOV ZKLOH URDPLQJ RSHUDWLQJ LQ RWKHU QHWZRUNV 3UHVV 2. WR FRQILUP 6HOHFW &DQFHO DOO WR FDQFHO DOO FDOO EDUULQJ SDVVZRUG QHHGHG 3UHVV 2.
(QJOLVK 3UHVV %DFN WR UHWXUQ 6WRUDJH 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 606 VHWWLQJV 6HOHFW 6WRUDJH 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 7KH 606 FHQWUH QXPEHU LV QHHGHG WR XVH WKH PHVVDJH IXQFWLRQ 7KH QXPEHU WR \RXU VHUYLFH FHQWUH LV VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG LV XVXDOO\ VHW RQ WKH 6,0 FDUG ,I WKH VHUYLFH FHQWUH QXPEHU LV VDYHG RQ WKH 6,0 FDUG LW LV VKRZQ ,I QRW \RX FDQ HQWHU WKH QXPEHU \RXUV
(QJOLVK 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 006 VHWWLQJV 6HOHFW 0HPRU\ VWDWXV WR GLVSOD\ WKH PHPRU\ VSDFH XVHG 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 RQ WKH PHPRU\ FDUG :KHQ WKH PHPRU\ LV IXOO \RX ZLOO VHH D PHV VDJH ZKHQ \RX WU\ WR VHQG RU UHFHLYH D SLFWXUH PHVVDJH 1RWH 0DNH VX
(QJOLVK 3DVVZRUG WR DGG SDVVZRUG +RPHSDJH WR DGG KRPHSDJH &RQQHFWLRQ W\SH WR XVH WKH VLGH EXWWRQV WR VHOHFW FRQQHF WLRQ HQWHU +773 RU :$3 3UR[\ DGGUHVV WR DGG SUR[\ DGGUHVV 3UR[\ SRUW WR DGG SUR[\ SRUW 8VHU QDPH WR DGG SUR[\ XVHU QDPH 3DVVZRUG WR DGG SUR[\ SDVVZRUG 3UHVV 2. WR FRQILUP 3UHVV
(QJOLVK 6KRUW VHFRQGV /RQJ VHFRQGV 3UHVV 2. WR FRQILUP 1RWH ,I $OHUW W\SH LV VHW WR 5LQJ RQO\ WKH SKRQH ZLOO QRW YLEUDWH 'HOLYHU\ UHSRUW
(QJOLVK 1RWH :LWK KLJKHU TXDOLW\ OHVV SLFWXUHV RU YLGHRV FDQ EH VWRUHG LQ WKH LQWHUQDO PHPRU\ $VVLVWDQFH &KDQJH VHWWLQJV IRU WKH DVVLVWDQFH EXWWRQ IXQFWLRQ $FWLYDWLRQ 6HOHFW KRZ WR DFWLYDWH WKH DVVLVWDQFH IXQFWLRQ XVLQJ WKH DVVLVWDQFH EXWWRQ 6HWWLQJV $VVLVWDQFH 3UHVV 0HQX 6HOHFW $FWLYDWLRQ 2Q 1RUPDO WR DFWLYDWH E\ SUHVVLQJ DQG KROGLQJ WKH EXWWRQ IRU DSSUR[LPDWHO\ VHFRQGV RU SUHVV LW WZLFH ZLWKLQ VHFRQG 2Q WR DFWLYDWH E\ SUHVVLQJ WKH EXWWRQ WLPHV ZLWKLQ VHFRQG 2II WR G
(QJOLVK 6HOHFW $FWLYDWLRQ 2Q WKH SKRQH VHQGV D WH[W PHVVDJH EHIRUH GLDOOLQJ 2II WKH SKRQH GLDOV ZLWKRXW VHQGLQJ D WH[W PHVVDJH ILUVW 3UHVV 2. WR FRQILUP 0HVVDJH 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH 606 6HOHFW 0HVVDJH (GLW WR ZULWH WKH PHVVDJH 3UHVV 2. WR FRQILUP 1RWH
(QJOLVK 3UHVV 0HQX 6HWWLQJV $VVLVWDQFH $ODUP LQIR %H FDUHIXO DERXW LQFOXGLQJ QXPEHUV ZLWK DXWRPDWLF DQVZHULQJ LQ WKH FDOO OLVW DV WKH DODUP VHTXHQFH VWRSV RQFH WKH FDOO LV DQVZHUHG 3UHVV %DFN WR UHWXUQ 1RWH 7KLV LQIRUPDWLRQ LV QRW DSSOLFDEOH LI &RQILUP ZLWK LV VHW WR 2Q &RQQHFWLYLW\ %OXHWRRWK ,03257$17 :KHQ \RX DUH QRW XVLQJ %OXHWRRWK FRQQHFWLYLW\ VHOHFW )XQFWLRQ RQ RII 2II RU VHOHFW 9LVLELOLW\ 2II 'R QRW SDLU ZLWK DQ XQNQRZQ GHYLFH )XQFWLRQ RQ RII 3UHVV 0HQX 6HWWLQJV 6H
(QJOLVK 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 6HDUFK GHYLFH 6HOHFW IURP WKH OLVW RI GHYLFHV DQG SUHVV %RQG WR FRQQHFW :KHQ FRQQHFWLQJ WR DQRWKHU %OXHWRRWK GHYLFH \RX QHHG D VKDUHG SDVVZRUG (QWHU WKH SDVVZRUG DQG SUHVV 2. 0\ GHYLFH $GG QHZ GHYLFHV RU YLHZ VDYHG 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 0\ GHYLFH 6HOHFW GHYLFH IURP WKH OLVW DQG SUHVV 2SWLRQV &RQQHFW 'LVFRQQHFW WR FRQQHFW GLVFRQQHFW ZLWK WKH VHOHFWHG GHYLFH 7KLV PD\ UHTXLUH D SURILOH XVXDOO\ D KHDGVHW 6HW
(QJOLVK $FFRXQW QDPH WR HQWHU WKH DFFRXQW QDPH $31 WR HQWHU WKH $31 DGGUHVV 8VHU QDPH WR HQWHU XVHU QDPH 3DVVZRUG WR HQWHU SDVVZRUG +RPHSDJH WR HQWHU SDVVZRUG &RQQHFWLRQ W\SH VHOHFW +773 :$3 3UR[\ DGGUHVV WR HQWHU SUR[\ DGGUHVV 3UR[\ SRUW WR HQWHU SUR[\ SRUW 8VHU QDPH WR HQWHU XVHU QDPH 3DVVZRUG WR HQWHU SDVVZRUG 3UHVV 2. DQG SUHVV
(QJOLVK 2II WR GHDFWLYDWH 3,1 FRGH :DUQLQJ LI 6,0 FDUG LV ORVW VWROHQ LW LV XQSURWHFWHG $XWRPDWLF WR QRW HQWHU WKH 3,1 FRGH ZKHQ WKH SKRQH LV VWDUWHG WKH SKRQH UHPHPEHUV LW DXWRPDWLFDOO\ ,I WKH 6,0 FDUG LV PRYHG WR DQRWKHU SKRQH ORVW VWROHQ WKH 3,1 FRGH QHHGV WR EH HQ WHUHG WR XQORFN 3UHVV 2. WR FRQILUP 1RWH
(QJOLVK 3UHVV (QWHU WKH QXPEHU DQG SUHVV 2. WR FRQILUP 5HSHDW XQWLO \RX KDYH FRQWDFWV PD[LPXP 7R HGLW RU GHOHWH DQ H[LVWLQJ HQWU\ VHOHFW LW DQG SUHVV 2SWLRQV (GLW 'HOHWH 9LHZ )L[HG GLDO )'1
(QJOLVK (QWHU WKH SKRQH SDVVZRUG DQG SUHVV 2. WR UHVHW 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 SDVVZRUG DQG SUHVV 2. WR UHVHW 1RWH 7KH GHIDXOW SKRQH FRGH LV )LOH PDQDJHU 0DQDJH WKH FRQWHQWV DQG SURSHUWLHV RI ILOHV
(QJOLVK $XGLR IRUPDW :$9 $05 0,', 03 $$& $$& 5HFRUGLQJV PDGH ZLWK WKH EXLOW LQ VRXQG UHFRUGHU DUH VDYHG DV $05 9LGHR IRUPDW 03 *33 $GGLWLRQDO IXQFWLRQV 2UJDQL]HU 7KH 2UJDQL]HU PHQX FRQWDLQV $ODUP 'DLO\ UHPLQGHU &DOHQGDU 1RWHV $ODUP 3UHVV 0HQX 2UJDQL]HU $ODUP 2Q (QWHU WKH DODUP WLPH XVLQJ WKH NH\SDG 3UHVV 2. WR FRQILUP )RU D VLQJOH RFFXUUHQFH VHOHFW 6LQJOH )RU D UHSHDWHG DODUP VHOHFW 5HSHDWHG 6FUROO WKURXJK WKH OLVW RI GD\V DQG SUHVV 2Q 2II WR HQDEOH GLVDEOH WKH DODU
(QJOLVK (QWHU GDWH IRU WKH WDVN WKHQ SUHVV (QWHU WLPH IRU WKH WDVN WKHQ SUHVV (QWHU VXEMHFW 3UHVV 2. WR FRQILUP -XPS WR GDWH 3UHVV 0HQX 2UJDQL]HU &DOHQGDU -XPS WR GDWH (QWHU WKH GDWH 3UHVV 2. WR FRQILUP 9LHZ DOO 3UHVV 0HQX 2UJDQL]HU &DOHQGDU 6HOHFW D WDVN DQG SUHVV 2SWLRQV 9LHZ DOO 3UHVV 2SWLRQV (GLW WR HGLW VHOHFWHG WDVN 'HOHWH WR GHOHWH VHOHFWHG WDVN 'HOHWH DOO WR GHOHWH DOO WDVNV 3UHVV 2.
(QJOLVK 6NLS UHPLQGHU WR VNLS UHPLQGHU $FWLYDWH UHPLQGHU WR DFWLYDWH UHPLQGHU $GG WR DGG QHZ UHPLQGHU (GLW WR HGLW VHOHFWHG UHPLQGHU 'HOHWH WR GHOHWH VHOHFWHG UHPLQGHU 'HOHWH DOO WR GHOHWH DOO UHPLQGHUV 3UHVV 2. WR FRQILUP 1RWH 7KH UHPLQGHU ZLOO ZRUN HYHQ ZKHQ WKH SKRQH LV VZLWFKHG RII 'R QRW SUHVV
(QJOLVK 7XUQLQJ WKH UDGLR RQ &RQQHFW WKH KHDGVHW WR WKH KHDGVHW VRFNHW 3UHVV 0HQX 0RUH )0 UDGLR 7KH UDGLR LV WXUQHG RQ 7KH WXQHG IUHTXHQF\ LV GLVSOD\HG 6HOHFW FKDQQHO XVLQJ RU 8VH WKH VLGH NH\V WR DGMXVW WKH YROXPH 7LS 3UHVV WR UHWXUQ WR VWDQGE\ PRGH 7KH UDGLR ZLOO FRQWLQXH WR SOD\ 9ROXPH 3UHVV 0HQX 0RUH )0 UDGLR 3UHVV 2SWLRQV 9ROXPH 8VH RU RU WKH VLGH EXWWRQV ± WR DGMXVW WKH YROXPH 3UHVV 2. WR FRQILUP 6DYH IUHTXHQF\ 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 6DY
(QJOLVK (GLW WR HGLW WKH FKDQQHO QDPH WKHQ SUHVV WR HGLW WKH IUH TXHQF\ XVH WR HQWHU WKH GHFLPDO SRLQW 3UHVV 6DYH ZKHQ GRQH 3UHVV 2. WR FRQILUP 0DQXDO LQSXW FKDQJLQJ VHDUFK PRGH 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 6HOHFW 0DQXDO LQSXW )LQH WXQH WR WXQH PDQXDOO\ ZLWK RU $XWR VHDUFK WR XVH DXWRPDWLF VWDWLRQ VHDUFK ZLWK 3UHVV 2. WR FRQILUP $XWR VDYH RU 1RWH 7KLV ZLOO RYHUZULWH DOO SUHYLRXVO\ VDYHG FKDQQHOV 3UHVV 0HQX 0RUH )0 UDGLR 2SWLRQV 6HOHFW $XWR VDYH WR DXWR
(QJOLVK &RQWLQXH WR FRQWLQXH JDPH 5HVWDUW OHYHO WR UHVWDUW JDPH DW WKH VDPH OHYHO DV EHIRUH 6WDUW JDPH WR VWDUW D QHZ JDPH *DPH OHYHO WR VHOHFW GLIILFXOW\ OHYHO %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 6HWWLQJV 6RXQG HIIHFW WR HQDEOH GLVDEOH E\ XVLQJ WKH VLGH EXWWRQV WR VHOHFW 2Q 2II 6HWWLQJV 9ROXPH WR DGMXVW WKH VRXQG YROXPH XVLQJ WKH VLGH EXWWRQV ± 3UHVV 2.
(QJOLVK 3UHVV 0HQX 6HWWLQJV 6HFXULW\ 5HPRWH FRQILJ 1RWH 7H[W PHVVDJH IRUPDW PXVW EH &RPPDQG RWKHUZLVH WKH WH[W PHVVDJH FDQQRW EH LGHQWLILHG DV D UHPRWH FRQWURO FRPPDQG 3DUDPHWHUV DUH WKH FRQWHQW \RX ZDQW WR VHQG 8VH VLJQ WR VHSDUDWH WZR SDUDPHWHUV ,Q WDEOHV 3 3DUDPHWHUV 6DYH D QHZ FRQWDFW LQ WKH SKRQHERRN $OO FRQWDFWV VHQW WR 'RUR 3KRQH(DV\ E\ UHPRWH FRQILJXUDWLRQ DUH VWRUHG LQ WKH SKRQH HYHQ LI VWRUDJH LV VHW WR 6,0 SKRQH QXPEHUV IRU HDFK FRQWDFW &RPPDQG SKRQHERRN 0R
(QJOLVK 7LS :KHQ VWRULQJ LQWHUQDWLRQDO QXPEHUV DOZD\V XVH EHIRUH WKH FRXQWU\ FRGH IRU EHVW RSHUDWLRQ (QWHU WKH SKRQH QXPEHU LQFOXGLQJ WKH DUHD FRGH 6HW WKH DVVLVWDQFH IXQFWLRQ &RPPDQG DOHUW 3 D DFWLYDWLRQ 3 2II 2Q 1RUPDO 2Q 3 3 DOHUW Q QXPEHU P PHVVDJH 1DPH PD[ OHQJWK 7H[W PD[ OHQJWK QXPEHU PD[ OHQJWK DOHUW DOHUW F FRQILUP ZLWK ´ µ V VLJQDO W\SH ² ORFDWLRQ LQ 1XPEHU OLVW 2II 2Q 2II 2Q +LJK /RZ 6LOHQW DOHUW ([DPSOH $FWLYDWH WKH
(QJOLVK DOHUW V 7LS 5HPHPEHU WR ZULWH GRZQ WKH SRVLWLRQV \RX VHQG 7KLV ZD\ LW LV HDVLHU IRU \RX WR VHQG FKDQJHV ODWHU 6HW WKH RQH WRXFK PHPRULHV &RPPDQG PHPRU\NH\ 3 D $ NH\ 3 1DPH PD[ OHQJWK PHPRU\NH\ E % NH\ 1DPH PD[ OHQJWK 3 QXPEHU PD[ OHQJWK QXPEHU PD[ OHQJWK ([DPSOH 6HW -HII -DFNVRQ·V PRELOH QXPEHU LQ PHPRU\ NH\ $ LQ 'RUR 3KRQH(DV\ DQG 0DUWKD 7KRPVRQ LQ PHPRU\ NH\ % PHPRU\NH\ D -HII -DFNVRQ PHPRU\NH\ E 0DUWKD 7KRPVRQ $GG WD
(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\
3KRQH(DV\ (QJOLVK 9HUVLRQ 'RUR $% $OO ULJKWV UHVHUYHG ZZZ GRUR FRP 5(9 ³ 675