'RUR 3KRQH(DV\ (QJOLVK
1 2 3 4 5 6 7 8 23 14 13 12 11 10 15 16 17 18 22 21 20 19 9 1RWH $OO LOOXVWUDWLRQV DUH IRU LOOXVWUDWLYH SXUSRVHV RQO\ DQG PD\ QRW DFFXUDWHO\ GHSLFW WKH DFWXDO GHYLFH (QJOLVK (DUSLHFH 'LVSOD\ /HIW VHOHFWLRQ EXWWRQ 0LFURSKRQH &DOO EXWWRQ 6SHHG GLDOV 9RLFH PDLO ,QWHUQDWLRQDO SUHIL[ 6\PEROV ,QSXW PHWKRG 6LOHQW &DPHUD VKRUWFXW 0HVVDJH VKRUWFXW (QG FDOO 3RZHU RQ RII 5LJKW VHOHFWLRQ EXWWRQ $UURZ EXWWRQV &DPHUD OH
24 25 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 WKH EDWWHU\ &KDUJH WKH SKRQH *HW WR NQRZ \RXU SKRQH
(QJOLVK 3RLQW WKH ZD\ &RPSDVV 0HVVDJHV &UHDWH DQG VHQG WH[W PHVVDJH 606 &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 &UHDWH DQG
(QJOLVK /RJ LQ /RJ RXW 2SWLRQV 6\QF LQWHUYDOV $FFRXQW GHWDLOV $GGLWLRQDO IXQFWLRQV
(QJOLVK &RQJUDWXODWLRQV RQ \RXU SXUFKDVH 'RUR 3KRQH(DV\ LV DQ HOHJDQW FDPHUD SKRQH ZLWK HDV\ WR XVH *36 DQG FRPSDVV IXQFWLRQV /HW LW JXLGH \RX WR D VSHFLILF DGGUHVV RU VKRZ WKH GLVWDQFH DQG GLUHFWLRQ EDFN WR D SRLQW IURP ZKHUH \RX VWDUWHG *HW ZHDWKHU XSGDWHV DQG HQMR\ VKDULQJ SKRWRV DQG YLGHR PHVVDJHV $OVR IHD WXUHV GLUHFW PHPRULHV DQG 606 EXWWRQ VDIHW\ IXQFWLRQV DQG UHPRWH PDQDJHPHQW DQG EDFN XS ZLWK 0\ 'RUR 0DQDJHU )RU PRUH LQIRUPDWLRQ DERXW DFFHVVRULHV RU RWKHU 'RUR SURGXFWV SOHDVH YLVLW ZZZ
(QJOLVK VFUDWFK RU EHQG WKH FRQWDFWV RQ WKH FDUG 7R UHPRYH RU UHSODFH WKH FDUG SXVK WKH FDUG LQ XQWLO \RX KHDU D FOLFN DQG WKHQ SXOO WKH FDUG RXW ,QVHUW WKH 6,0 FDUG E\ JHQWO\ VOLGLQJ LW LQWR WKH KROGHU 0DNH VXUH WKDW WKH 6,0 FDUG·V FRQWDFWV DUH IDFLQJ GRZQ DQG WKDW WKH FXW RII FRU QHU LV SRLQWLQJ RXW 7DNH FDUH QRW WR VFUDWFK RU EHQG WKH FRQWDFWV RQ WKH 6,0 FDUG ,QVHUW WKH EDWWHU\ E\ VOLGLQJ LW LQWR WKH EDWWHU\ FRPSDUWPHQW ZLWK WKH FRQWDFWV IDFLQJ GRZQZDUGV WR WKH ULJKW 5HSODFH WKH EDWWH
(QJOLVK ,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 6DYH HQHUJ\ :KHQ \RX KDYH IXOO\ FKDUJHG WKH EDWWHU\ DQG GLVF
(QJOLVK (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 3UHVV OHIW VHOHFWLRQ EXWWRQ WR DFFHVV WKH SKRQH 0HQX RU ULJKW VHOHFWLRQ EXWWRQ 1DPH WR DFFHVV \RXU VDYHG FRQWDFWV LQ WKH SKRQHERRN WR UHWXUQ WR VWDQGE\ 7LS
(QJOLVK &KDQJH ZULWLQJ ODQJXDJH 3UHVV DQG KROG IRU D OLVW RI DYDLODEOH ODQJXDJHV 6HOHFW ODQJXDJH ZLWK DQG SUHVV 2. WR FRQILUP (QWHU WH[W ZLWK SUHGLFWLYH WH[W ,Q VRPH ODQJXDJHV \RX FDQ XVH WKH 6PDUW $%& H=L7\SH LQSXW PHWKRG ZKLFK XVHV D GLFWLRQDU\ WR VXJJHVW ZRUGV 3UHVV HDFK NH\ RQFH HYHQ LI WKH GLVSOD\HG FKDUDFWHU LV QRW WKH RQH \RX ZDQW 7KH GLFWLRQDU\ ZLOO VXJJHVW ZRUGV EDVHG RQ WKH NH\V \RX KDYH SUHVVHG ([DPSOH 3UHVV WR ZULWH WKH ZRUG ´)UHGµ &RPSOHWH WKH
(QJOLVK EH VRPH QHZHU ZLUHOHVV WHFKQRORJLHV WKDW KDYH QRW EHHQ WHVWHG \HW IRU XVH ZLWK KHDULQJ DLGV 7R HQVXUH WKDW D VSHFLILF KHDULQJ DLG ZRUNV ZHOO ZLWK WKLV WHOHSKRQH WHVW WKHP WRJHWKHU EHIRUH PDNLQJ D SXUFKDVH 7KH VWDQGDUG IRU KHDULQJ DLG FRPSDWLELOLW\ FRQWDLQV WZR W\SHV RI UDWLQJV 0 7R XVH \RXU KHDULQJ DLG LQ WKLV PRGH PDNH VXUH WKDW \RXU KHDULQJ DLG LV VHW WR 0 PRGH RU DFRXVWLF FRXSOLQJ PRGH DQG SRVLWLRQ WKH WHOHSKRQHV UHFHLYHU QHDU WKH KHDULQJ DLG·V EXLOW LQ PLFURSKRQH )RU WKH EHVW UH
(QJOLVK 6HW WKH WLPH DQG GDWH IRUPDW 6HWWLQJV *HQHUDO 7LPH GDWH 3UHVV 0HQX IRUPDW 7LPH IRUPDW KRXUV RU KRXUV 'DWH IRUPDW DQG VHOHFW WKH GHVLUHG GDWH IRUPDW 3UHVV 2. WR FRQILUP 6HW /DQJXDJH 7KH GHIDXOW ODQJXDJH IRU WKH SKRQH PHQXV PHVVDJHV HWF LV GHWHUPLQHG E\ WKH 6,0 FDUG
(QJOLVK (QWHU QHZ 3,1 DQG SUHVV 2. 5HSHDW WR FRQILUP 3KRQH ORFN 7KH SKRQH ORFN SURWHFWV \RXU SKRQH IURP XQZDQWHG XVDJH ,I DFWLYDWHG SKRQH LV ORFNHG DIWHU UHVWDUW DQG WKH SKRQH FRGH QHHGV WR EH HQWHUHG WR XQORFN 6HWWLQJV 6HFXULW\ 3UHVV 0HQX 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH 3UHVV 2. WR FRQILUP 3KRQH ORFN 1RWH
(QJOLVK 3UHVV $ERUW RU WR FDQFHO WKH FDOO 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 8VH WKH VLGH EXWWRQV ± RU WR DGMXVW WKH VRXQG YROXPH 7KH YROXPH OHYHO
(QJOLVK &DOO RSWLRQV 'XULQJ D FDOO WKH VHOHFWLRQ EXWWRQV IXQFWLRQV JLYH DFFHVV WR DGGLWLRQDO 2SWLRQV OHIW VHOHFWLRQ EXWWRQ +ROG VLQJOH FDOO RU 5HWULHYH VLQJOH WR KROG RU 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 SKRQH F
(QJOLVK 626 FDOOV $V ORQJ DV WKH SKRQH LV VZLWFKHG RQ LW LV DOZD\V SRVVLEOH WR SODFH DQ 626 FDOO E\ HQWHULQJ WKH PDLQ ORFDO HPHUJHQF\ QXPEHU IRU \RXU SUHVHQW ORFD WLRQ IROORZHG E\ 6RPH QHWZRUNV DFFHSW FDOOV WR HPHUJHQF\ QXPEHUV ZLWKRXW D YDOLG 6,0 FDUG &RQWDFW \RXU VHUYLFH SURYLGHU IRU PRUH LQIRUPDWLRQ &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 V
(QJOLVK 5HFHLYHG FDOOV WR VKRZ WKH HODSVHG WLPH RI DOO UHFHLYHG FDOOV
(QJOLVK 7LS 5HSHDW DQG VHOHFW 'HDFWLYDWH WR GLVDEOH FDOO ZDLWLQJ RU 4XHU\ VWDWXV WR GLVSOD\ LI FDOO ZDLWLQJ LV DFWLYH RU QRW &DOO GLYHUW
(QJOLVK )L[HG GLDO )'1
(QJOLVK 0\ SLFWXUHV WR VHOHFW DQ H[LVWLQJ SLFWXUH 6HOHFW 5LQJWRQH (GLW WR DVVRFLDWH ULQJWRQH WR WKH FRQWDFW VHH 7RQH VHWXS ULQJWRQH S 6\VWHP WR VHOHFW IURP SUHLQVWDOOHG ILOHV 8VHU WR VHOHFW IURP \RXU GRZQORDGV 3UHVV 6DYH 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 FRQWDFW WKHQ SUHVV 2SWLRQV 9LHZ WR VKRZ GHWDLOV IRU WKH VHOHFWH
(QJOLVK 6HQG Y&DUG 6HQG E\ 606 VHH &UHDWH DQG VHQG WH[W PHVVDJH 606 S 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S 6HQG E\ %OXHWRRWK VHH %OXHWRRWK S $V H PDLO VHH &UHDWH DQG VHQG H PDLO S 3UHVV 2. WR FRQILUP 3KRQHERRN VHWWLQJV 2ZQHU QXPEHU 7KH SKRQH QXPEHU DVVLJQHG WR \RXU 6,0 FDUG LV VDYHG DV 2ZQHU QXPEHU LI WKLV LV DOORZHG E\ WKH FDUG
(QJOLVK 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 6HWWLQJV 3KRQHERRN 9RLFH PDLO 3UHVV 0HQX 6HOHFW (PSW\ $GG 3KRQHERRN WR DGG D FRQWDFW IURP WKH 3KRQHERRN 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 $VVLVWDQFH VHWWLQJV &RQILUP ZLWK
(QJOLVK &DOLEUDWLRQ
(QJOLVK ([LW WR H[LW &RPSDVV
(QJOLVK &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 $ SLFWXUH PHVVDJH FDQ FRQWDLQ WH[W DQG PHGLD REMHFWV VXFK DV SLFWXUHV VRXQG UHFRUGLQJV DQG YLGHR %RWK \RX DQG WKH UHFLSLHQW PXVW KDYH VXE VFULSWLRQV WKDW VXSSRUW SLFWXUH PHVVDJH 7KH VHWWLQJV IRU SLFWXUH PHV VDJH 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 0HVVDJHV &UHDWH QHZ 006 3UHVV 0HQX :ULWH \RXU PHVVDJH VHH (QWHU WH[W S $
(QJOLVK 5HFRUGLQJ VWDUWV LPPHGLDWHO\ 3UHVV 6WRS ZKHQ GRQH DQG SUHVV
(QJOLVK 'RZQORDG H PDLO 3UHVV 0HQX 0HVVDJHV ( PDLO ,QER[ 1RWH $IWHU FRQILJXULQJ \RXU DFFRXQW \RX FDQ YLHZ SUHYLRXVO\ UHWULHYHG H PDLO RIIOLQH RU FRQQHFW WR WKH H PDLO VHUYHU WR YLHZ QHZ PHVVDJHV $IWHU \RX UHWULHYH H PDLO PHVVDJHV \RX FDQ YLHZ WKHP RIIOLQH ,QER[ 2XWER[ DQG 6HQW 3UHVV VKRUWFXW EXWWRQ $OWHUQDWLYHO\ SUHVV 0HQX 0HVVDJHV 6HOHFW ,QER[ 2XWER[ RU 6HQW 6HOHFW D PHVVDJH DQG SUHVV 5HDG 8VH WR VFUROO XS GRZQ 3UHVV 2SWLRQV 9LHZ 006 RQO\ WR YLHZ WKH PHVVDJH &DOO
(QJOLVK 'HWDLOV 006 RQO\ WR YLHZ GHWDLOV RI WKH PHVVDJH 3UHVV 2. WR FRQILUP 0HVVDJH VHWWLQJV 3UHGLFWLYH WH[W 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 3UHGLFWLYH WH[W 6HOHFW 2Q GHIDXOW WR HQDEOH RU 2II WR GLVDEOH 3UHVV 2. WR FRQILUP :ULWLQJ ODQJXDJH 3UHVV 0HQX 6HWWLQJV 0HVVDJHV 8VH WR VHOHFW D ODQJXDJH 3UHVV 2. WR FRQILUP :ULWLQJ ODQJXDJH :ULWH VSHHG
(QJOLVK (QWHU WKH VHUYLFH FHQWUH QXPEHU 3UHVV &OHDU WR GHOHWH 3UHVV 2. WR FRQILUP &HOO EURDGFDVW
(QJOLVK 3KRQH WR VWRUH LQ WKH SKRQH PHPRU\ 0HPRU\ FDUG WR VWRUH SLFWXUH PHVVDJHV WR WKH PHPRU\ FDUG 3UHVV 2. WR FRQILUP 006 SURILOH 7KHVH VHWWLQJV DUH QHHGHG WR XVH WKH SLFWXUH PHVVDJHV IXQFWLRQ 7KH VHW WLQJV IRU SLFWXUH PHVVDJHV LV VXSSOLHG E\ \RXU VHUYLFH SURYLGHU DQG FDQ EH VHQW WR \RX DXWRPDWLFDOO\ )URP 006 VHWWLQJV VHOHFW 006 SURILOH 6HOHFW \RXU VHUYLFH SURYLGHU DQG SUHVV 2SWLRQV $FWLYDWH $GG QHZ 006 SURILOH )ROORZ WKH VWHSV EHORZ LI \RXU VHUYLFH SURYLGHU LV QRW LQ WKH OLVW
(QJOLVK 1RWH 6RPH VHUYLFH SURYLGHUV UHTXLUH \RX WR VHQG D SLFWXUH PHVVDJH EHIRUH \RX ZLOO EH DEOH WR UHFHLYH RQH 6HQG D SLFWXUH PHVVDJH ZLWK WH[W RQO\ WR DFWLYDWH WKH VHUYLFH 6RPH VHUYLFH SURYLGHUV UHTXLUH WKDW \RX FRQWDFW WKHP EHIRUH HQDEOLQJ SLFWXUH PHVVDJH IRU \RXU DFFRXQW &RQWDFW GXULQJ VHW XS WR \RXU VHUYLFH SURYLGHU·V &XVWRPHU 6HUYLFH 3UHVV H[LW ZLWKRXW VDYLQJ ( PDLO VHWWLQJV (QDEOHV \RX WR UHYLHZ DQG FUHDWH H PDLOV XVLQJ \RXU SHUVRQDO RU FRPSDQ\ H PDLO DFFRXQW ,Q RUGHU WR XWLOLVH WKH H PDLO
(QJOLVK 6HOHFW 0HVVDJHV RU ( PDLO 6KRUW VHFRQGV /RQJ VHFRQGV 3UHVV 2. WR FRQILUP 1RWH ,I 6RXQG $OHUW W\SH LV VHW WR 5LQJ RQO\ WKH SKRQH ZLOO QRW YLEUDWH 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 6HWWLQJV 0HVVDJHV 3UHVV 0HQX 6HOHFW 2Q WR HQDEOH RU 2II WR GLVDEOH 3UHVV 2. WR FRQILUP 5HPLQGHU 'HOLYHU\
(QJOLVK 6HQG 6HQG E\ 006 VHH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S 6HQG 6HQG E\ %OXHWRRWK VHH %OXHWRRWK S 6HQG $V H PDLO VHH &UHDWH DQG VHQG H PDLO S 'HOHWH WR GHOHWH 3UHVV
(QJOLVK 1RWH =RRP PD\ UHGXFH YLGHR TXDOLW\ )RU PRUH YLGHR FDPHUD VHWWLQJV VHH &DPHUD VHWWLQJV S 3LFWXUH JDOOHU\ DQG 9LGHR JDOOHU\ 9LHZ \RXU VDYHG SLFWXUHV RU YLGHRV 3UHVV 0HQX &DPHUD 3LFWXUH JDOOHU\ RU 9LGHR JDOOHU\ 8VH WR VHOHFW D SLFWXUH RU YLGHR 3UHVV 2SWLRQV 9LHZ IRU VLQJOH YLHZ 3UHVV %DFN WR UHWXUQ 8VH WR SOD\ DQG VWRS WKH YLGHR YLGHR RQO\ 6HQG 6HQG E\ 006 WR VHQG DV SLFWXUH PHVVDJH 6HH &UHDWH DQG VHQG SLFWXUH PHVVDJH 006 S 6HQG E\ %OXHWRRWK WR VHQG WR
(QJOLVK 'HOHWH DOO WR GHOHWH DOO VDYHG SLFWXUHV DQG YLGHRV )ODVK WR VHW DV $XWR 2II 2Q RU 5HG H\H UHGXFWLRQ ,PDJH VL]H WR VHW DV 6PDOO ORZHVW TXDOLW\ 03 RU 03 KLJK HVW TXDOLW\ 9LGHR FDPHUD 4XDOLW\ WR VHW DV +LJK RU /RZ 9LGHR FDPHUD 5HFRUG WLPH WR VHW DV 1R OLPLW RU PLQ 6KXWWHU VRXQG 2II /RZ +LJK 3UHVV 2. WR FRQILUP 1RWH :LWK KLJKHU TXDOLW\ OHVV SLFWXUHV RU YLGHRV FDQ EH VWRUHG LQ WKH LQWHUQDO PHPRU\ ,I \RX LQVHUW D FRPSDWLEOH H[WHUQDO PHPRU\ PLFUR 6' FDUG LQWR \RXU 'R
(QJOLVK 'HYLFH QDPH 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 'HYLFH 3UHVV 0HQX QDPH (QWHU WKH QDPH \RXU 'RUR 3KRQH(DV\ VKRXOG DSSHDU ZLWK IRU RWKHU %OXHWRRWK GHYLFHV 3UHVV 'RQH WR FRQILUP 6HDUFK GHYLFH 6HDUFK IRU DYDLODEOH %OXHWRRWK DXGLR GHYLFHV 3UHVV 0HQX 6HWWLQJV &RQQHFWLYLW\ %OXHWRRWK 6HDUFK GHYLFH 6HOHFW D GHYLFH IURP WKH OLVW DQG SUHVV 3DLU WR FRQQHFW ,I %OXHWRRWK LV QRW HQDEOHG SUHVV
(QJOLVK 1RUPDO $OO SDLUHG GHYLFHV DUH DOORZHG IXOO DFFHVV DXWRPDWLFDOO\ +LJK &RQILUPDWLRQ PD\ EH QHHGHG IRU IXOO DFFHVV IRU SDLUHG GHYLFHV ,QIRUPDWLRQ 3UHVV 2. WR FRQILUP %OXHWRRWK EHDFRQ %OXHWRRWK EHDFRQV DUH GHYLFHV XVLQJ %OXHWRRWK WR GHWHUPLQH SRVLWLRQ 3DLU RQFH ZLWK WKH XQLW $IWHU SDLULQJ \RX FDQ VHOHFW WR WXUQ RII %OXHWRRWK LQ \RXU SKRQH WR LPSURYH WKH EDWWHU\ SHUIRUPDQFH 7KH XQLW LV VWLOO FRQ QHFWHG WR WKH SKRQH
(QJOLVK 3UHVV 2SWLRQV (GLW WR HQWHU VHWWLQJV IRU \RXU VHUYLFH SURYLGHU $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 KRPHSDJH &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 5HFHLYHG 5HVHW DOO 'DWD URDPLQJ
(QJOLVK 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 VXEVFULSWLRQ 3UHVV 0HQX 6HWWLQJV *HQHUDO 6HUYLFHV &RQQHFW WKH SKRQH WR D FRPSXWHU &RQQHFW WKH SKRQH WR D FRPSXWHU DQG VWDUW WUDQVIHUULQJ SLFWXUHV PXVLF DQG RWKHU ILOH W\SHV $OO \RX KDYH WR GR LV FRQQHFW D 86% FDEOH EHWZHHQ WKH SKRQH DQG FRPSXWHU )URP \RXU FRPSXWHU V ILOH H[SORUHU \RX FDQ GUDJ DQG GURS FRQWHQW EHW
(QJOLVK 6HOHFW D IROGHU HJ 3KRWRV DQG SUHVV 2SHQ 6HOHFW D ILOH DQG SUHVV 2SWLRQV 3OD\ DXGLR YLGHR PXVLF SUHVV WR 3OD\ RU WR 6WRS 9LHZ SKRWRV LPDJHV IRU VLQJOH YLHZ 6HQG 6HQG E\ 006 WR VHQG DV SLFWXUH PHVVDJH RU 6HQG E\ %OXHWRRWK WR VHQG WR D %OXHWRRWK GHYLFH 8VH DV ULQJWRQH WR XVH DV ULQJWRQH 'HWDLOV WR YLHZ GHWDLOHG LQIRUPDWLRQ DERXW WKH ILOH H J GDWH VL]H FRS\ULJKW SURWHFWLRQ 8VH :DOOSDSHU WR VDYH DV GLVSOD\ EDFNJURXQG RU 3KRQH ERRN SLFWXUH WR EH XVHG ZLWK D SKRQHERRN FR
(QJOLVK +LJK IRU PRGHUDWH KHDULQJ LPSDLUPHQW RU XVH LQ D YHU\ QRLV\ HQYLURQPHQW +$& 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 ULQJWRQH ZLWK WKH EHVW WRQH FXUYH DGMXVWPHQWV DQG IUHTXHQFLHV WR EHVW ILW \RXU QHHGV 6HWWLQJV 6RXQG 7RQH VHWXS 5LQJWRQH 3UHVV 0HQX 5LQJWRQH 6\VWHP WR VHOHFW IURP SUHLQVWDOOHG ILOHV 8VHU WR VHOHFW IURP \RXU GRZQORDGV 8VH WR VHOHFW RQH R
(QJOLVK 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 ,GOH GLVSOD\ &ORFN RQO\ &ORFN 3UHVV 2. WR FRQILUP 2SHUDWRU RU $OO LQIR 7KHPHV
(QJOLVK
(QJOLVK 7LS
(QJOLVK 7LS 'LVFRQQHFWLQJ WKH KHDGVHW ZLOO DOVR WXUQ RII WKH UDGLR /RXGVSHDNHU 3UHVV 0HQX )0 UDGLR 2SWLRQV /RXGVSHDNHU 8VH RU WR DGMXVW WKH VRXQG YROXPH 7R WXUQ RII VHOHFW 2II 2Q &KDQQHO OLVW HGLWLQJ WKH FKDQQHO OLVW 3UHVV 0HQX )0 UDGLR 2SWLRQV &KDQQHO OLVW 6HOHFW WKH FKDQQHO \RX ZLVK WR HGLW DQG SUHVV 2SWLRQV 3OD\ WR SOD\ WKH VHOHFWHG FKDQQHO 'HOHWH WR GHOHWH WKH FKDQQHO 3UHVV
(QJOLVK 6HW WKH DXWRPDWLF VZLWFK RII WLPH 6HWWLQJV *HQHUDO 7RUFK 3UHVV 0HQX PLQ WR WXUQ RII DXWRPDWLFDOO\ DIWHU PLQ PLQ WR WXUQ RII DXWRPDWLFDOO\ DIWHU PLQ 1R OLPLW WR WXUQ RI PDQXDOO\ GHIDXOW 3UHVV 2. WR FRQILUP &DOFXODWRU 7KH &DOFXODWRU FDQ SHUIRUP EDVLF PDWKHPDWLFDO RSHUDWLRQV 3UHVV 0HQX &DOFXODWRU (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.
(QJOLVK 3UHVV 0HQX 0RUH 6WDWXV 8VH RU WR VFUROO WKH OLVW 3UHVV %DFN WR UHWXUQ WR VWDQGE\ PRGH $ODUP 3UHVV 0HQX 2UJDQLVHU $ODUP 2Q (QWHU WKH DODUP WLPH XVLQJ WKH NH\SDG )RU D VLQJOH RFFXUUHQFH VHOHFW 6LQJOH )RU D UHSHDWHG DODUP VHOHFW 5HSHDWHG 6FUROO WKURXJK WKH OLVW RI GD\V DQG SUHVV 2Q WR HQDEOH RU 2II WR GLVDEOH WKH DODUP IRU HDFK GD\ 3UHVV 6DYH WR FRQILUP 6QRR]H RU WXUQ RII :KHQ WKH DODUP JRHV RII D VLJQDO ZLOO VRXQG 3UHVV 6WRS WR WXUQ RII WKH DODUP RU SUHVV 6QRR
(QJOLVK 9LHZ DOO 2UJDQLVHU &DOHQGDU 3UHVV 0HQX 6HOHFW D WDVN DQG SUHVV 2SWLRQV 9LHZ DOO (GLW 'HOHWH RU 'HOHWH DOO 3UHVV 2SWLRQV 3UHVV 2. WR FRQILUP 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 'DLO\ UHPLQGHU (QWHU WLPH WKHQ SUHVV (QWHU VXEMHFW VHH (QWHU WH[W S 3UHVV 2.
(QJOLVK :HDWKHU ,03257$17 8VLQJ GDWD VHUYLFHV FDQ EH FRVWO\ :H UHFRPPHQG WKDW \RX FKHFN \RXU GDWD UDWHV ZLWK \RXU VHUYLFH SURYLGHU :HDWKHU IRU \RXU FKRVHQ FLW\ 9LHZ WKH :HDWKHU 3UHVV 0HQX 3UHVV %DFN WR UHWXUQ WR VWDQGE\ PRGH 1RWH ,Q RUGHU WR VHH WKH ZHDWKHU \RX PXVW ILUVW VHOHFW D FLW\ :HDWKHU VHWWLQJV 6HWWLQJV :HDWKHU 3UHVV 0HQX 6HOHFW &LW\ DQG HQWHU WKH QDPH RI WKH FLW\ 8VH RU WR VHOHFW WKH FLW\ LQ WKH OLVW 6HOHFW :DOOSDSHU DQG VHOHFW 2Q WR YLHZ WKH ZHDWKHU LQ VWDQGE\ PRGH 3UHVV
(QJOLVK 9RLFH PDLO PHVVDJH UHFHLYHG 8QUHDG WH[W PHVVDJH 606 8QUHDG H PDLO 8QUHDG SLFWXUH PHVVDJH 006 '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 HQGHG 0LVVHG FDOO 3UHVV 5HDG WR VHH WKH PLVVHG FDOOV 6HDUFKLQJ Y&DUG PHVVDJH &DOO RQ KROG 9ROXPH FRQWURO 626 FDOOV RQO\ 3URFHV
(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 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 VWURQJHU VLJQDO RU WHPSRUD ULO\ WXUQ RII WKH SKRQH )DLOXUH WR SODFH RU UHFHLYH FDOOV &DOO EDUULQJ DFWLYDWHG 'HDFWLYDWH FDOO EDUULQJ ,I WKLV GRHV QRW VROYH WKH SUREOHP FRQWDFW \RXU VHUYLFH SURYLGHU 3,1 FRGH QRW DFFHSWHG :URQJ 3,1 FRGH HQWHUHG (QWHU WKH 38.
(QJOLVK )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 006 SURILOH LV QRW VHW DXWRPDWLFDOO\ DQG LW LV QRW SRVVLEOH WR VHQG RU UHFHLYH 006 )RU VRPH RSHUDWRUV WKH 006 SURILOH KDV WR EH VHOHFWHG PDQXDOO\ $FWLYDWH WKH FRUUHFW SURILOH WR VXLW \RXU 6,0 FDUG RU QHWZRUN XVHG )DLOXUH WR VHQG RU GRZQ
(QJOLVK 7KLV XQLW FRPSOLHV ZLWK JXLGHOLQHV IRU UDGLDWLRQ ZKHQ LW LV XVHG HLWKHU LQ D QRUPDO SRVL WLRQ DJDLQVW \RXU HDU RU ZKHQ LW LV DW OHDVW FP IURP \RXU ERG\ ,I WKH XQLW LV FDUULHG FORVH WR \RXU ERG\ LQ D FDVH EHOW KROGHU RU RWKHU KROGHU WKHVH KROGHUV VKRXOG QRW FRQ WDLQ DQ\ PHWDO DQG WKH SURGXFW VKRXOG EH SODFHG DW WKH GLVWDQFH IURP \RXU ERG\ VSHFL ILHG DERYH 0DNH VXUH WKDW WKH GLVWDQFH LQVWUXFWLRQV DERYH DUH IROORZHG XQWLO WKH WUDQVIHU LV FRPSOHWH 3DUWV RI WKH XQLW DUH PDJQHWLF 7KH XQLW F
(QJOLVK /L LRQ EDWWHU\ 7KLV SURGXFW FRQWDLQV D /L LRQ EDWWHU\ 7KHUH LV D ULVN RI ILUH DQG EXUQV LI WKH EDWWHU\ SDFN LV KDQGOHG LPSURSHUO\ :$51,1* 'DQJHU RI H[SORVLRQ LI EDWWHU\ LV LQFRUUHFWO\ UHSODFHG 7R UHGXFH ULVN RI ILUH RU EXUQV GR QRW GLVDVVHPEOH FUXVK SXQFWXUH VKRUW H[WHUQDO FRQWDFWV H[SRVH WR WHPSHUDWXUH DERYH & ) RU GLVSRVH RI LQ ILUH RU ZDWHU 5HF\FOH RU GLVSRVH RI XVHG EDWWHULHV DFFRUGLQJ WR WKH ORFDO UHJXODWLRQV RU UHIHUHQFH JXLGH VXSSOLHG ZLWK \RXU SURGXFW 3URWHFW \RXU KHD
(QJOLVK ,W LV SURKLELWHG WR XVH WKH XQLW LQ IOLJKW 7XUQ RII WKH XQLW EHIRUH \RX ERDUG D SODQH 8VLQJ ZLUHOHVV WHOHFRP XQLWV LQVLGH D SODQH FDQ SRVH ULVNV WR DLU VDIHW\ DQG LQWHUIHUH ZLWK WHOH FRPPXQLFDWLRQV ,W PD\ DOVR EH LOOHJDO &DUH DQG PDLQWHQDQFH
(QJOLVK H=L7\SH LV D WUDGHPDUN RI =L &RUSRUDWLRQ :L )L LV D WUDGHPDUN RU D UHJLVWHUHG WUDGHPDUN RI WKH :L )L $OOLDQFH PLFUR6' LV D WUDGHPDUN RI 6' &DUG $VVRFLDWLRQ -DYD - 0( DQG DOO RWKHU -DYD EDVHG PDUNV DUH WUDGHPDUNV RU UHJLVWHUHG WUDGHPDUNV RI 6XQ 0LFURV\VWHPV ,QF LQ WKH 8QLWHG 6WDWHV DQG RWKHU FRXQWULHV 7KH FRQWHQWV RI WKLV GRFXPHQW DUH SURYLGHG DV LV ([FHSW DV UHTXLUHG E\ DSSOLFDEOH ODZ QR ZDUUDQWLHV RI DQ\ NLQG HLWKHU H[SUHVV RU LPSOLHG LQFOXGLQJ EXW QRW OLPLWHG WR WKH LPSOLHG ZDUUD
(QJOLVK 6SHFLILFDWLRQV 1HWZRUN 'LPHQVLRQV :HLJKW %DWWHU\ 2SHUDWLQJ DPELHQW WHPSHUDWXUH &KDUJLQJ DPELHQW WHPSHUDWXUH 6WRUDJH WHPSHUDWXUH :&'0$ 0+] *60 0+] PP [ PP [ PP J LQFOXGLQJ EDWWHU\ 9 P$K /L LRQ EDWWHU\ 0LQ & ) 0D[ & ) 0LQ & ) 0D[ & ) 0LQ ² & ² ) 0D[ & ) 6SHFLILF $EVRUSWLRQ 5DWH 6$5 7KLV GHYLFH PHHWV DSSOLFDEOH LQWHUQDWLRQDO VDIHW\ UHTXLUHPHQWV IRU H[SRVXUH WR UDGLR ZDYHV 7KH KLJKHVW 6$5 YDOXH XQGHU
(QJOLVK 9HUVLRQ 'RUR $% $OO ULJKWV UHVHUYHG ZZZ GRUR FRP 5(9 ³ 675