365 &KDQQHO 9+) $LU 8+) )0 $0 :)0 +DQGKHOG 6FDQQHU 2ZQHU·V 0DQXDO 'UDIW DV 3URRI 3DJH
&217(176 3DJH
DJH
)($785(6
6XSSOLHG )OH[LEOH $QWHQQD ZLWK %1& &RQQHFWRU ³ SURYLGHV JRRG UHFHSWLRQ RI VWURQJ ORFDO VLJQDOV
&$11,1* /(*$//<
35(3$5$7,21 3RZHULQJ 7KH 6FDQQHU ,QVWDOOLQJ %DWWHULHV 5HPRYH WKH EDWWHU\ FRPSDUWPHQW FRYHU 6HW WKH %DWWHU\ 7\SH 6HOHFWRU VZLWFK WR $/. IRU QRQ UHFKDUJHDEOH DONDOLQH EDWWHULHV RU 1L 0+ IRU UHFKDUJH DEOH 1L 0+ EDWWHULHV 6HW 1L 0+ LI \RX XVH UHFKDUJHDEOH 6HW $/. LI \RX XVH DONDOLQH EDWWHULHV 1L 0+ EDWWHULHV ,QVHUW WKUHH $$ EDWWHULHV PDWFKLQJ WKH SRODULW\ V\PEROV DQG ³ PDUNHG LQVLGH 5HSODFH WKH EDWWHU\ FRPSDUWPHQW FRYHU :DUQLQJ 1HYHU LQVWDOO DONDOLQH EDWWHULHV ZLWK WKH %DWWHU\ 7
VLQJ $& 3RZHU 3OXJ WKH SRZHU FRUG·V EDUUHO SOXJ LQWR WKH VFDQQHU·V 3:5 '& 9 MDFN 3OXJ WKH $& DGDSWRU LQWR \RXU ZDOO RXWOHW 1RWH
&KDUJLQJ 5HFKDUJHDEOH %DWWHULHV &KDUJH PHWKRG RI WKLV XQLW LV WKH VLPSOH FKDUJH PHWKRG
&RQQHFWLQJ DQ 2XWGRRU $QWHQQD 7KH DQWHQQD FRQQHFWRU RQ \RXU VFDQQHU PDNHV LW HDV\ WR XVH WKH VFDQQHU ZLWK D YDULHW\ RI DQWHQQDV VXFK DV DQ H[WHUQDO PRELOH DQWHQQD RU RXWGRRU EDVH VWDWLRQ DQWHQQD $OZD\V XVH 2KP FRD[LDO FDEOH VXFK DV 5* 5* ; RU 5* WR FRQQHFW DQ RXWGRRU DQWHQQD )RU OHQJWKV EHWZHHQ DQG IHHW XVH 5* ; ORZ ORVV GLHOHFWULF FRD[LDO FDEOH )RU OHQJWKV RYHU IHHW XVH 5* ,I WKH DQWHQQD FDEOH·V FRQQHFWRU GRHV QRW KDYH D %1& FRQQHFWRU \RX ZLOO DOVR QHHG
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
$%287 <285 6&$11(5 2QFH \RX XQGHUVWDQG D IHZ VLPSOH WHUPV XVHG LQ WKLV PDQXDO DQG IDPLOLDUL]H \RXUVHOI ZLWK \RXU VFDQQHU·V IHD WXUHV \RX FDQ SXW WKH VFDQQHU WR ZRUN IRU \RX
$LU (QWHUV D RU WXUQV RQ RII WKH EDQN OHWV \RX VHDUFK WKH VFDQQHU·V SUHSURJUDPPHG DLUFUDIW EDQG ZLWK )81& NH\ 3' )' (QWHUV D RU WXUQV RQ RII WKH EDQN OHWV \RX VHDUFK WKH VFDQQHU·V SUHSURJUDPPHG 3ROLFH )LUH EDQG ZLWK )81& NH\ 0$5 (QWHUV D RU WXUQV RQ RII WKH EDQN OHWV \RX VHDUFK WKH VFDQQHU·V SUHSURJUDPPHG PDULQH EDQG ZLWK )81& NH\ &7 '& /HWV \RX VHDUFK GHWHFW WKH &7&66 '&6 FRGH 36( &/($5 6WRSV RU UHVWDUWV VHDUFK RU WXQH FOHDUV DQ LQFRUUHFW HQWU\ +$0 (QWHUV D
$ /22. $7 7+( ',63/$< 7KH GLVSOD\ KDV LQGLFDWRUV WKDW VKRZ WKH VFDQQHU·V FXUUHQW RSHUDWLQJ VWDWXV 7KLV TXLFN ORRN DW WKH GLVSOD\ ZLOO KHOS \RX XQGHUVWDQG KRZ \RXU VFDQQHU RSHUDWHV ATT $SSHDUV ZKHQ WKH VFDQQHU IXQFWLRQV G% DWWHQXDWRU BANK $SSHDUV ZLWK QXPEHUV ² WR LQGLFDWH WKH VFDQ EDQN %DQN QXPEHUV ZLWK D EDU XQGHU WKHP VKRZ ZKLFK EDQNV DUH WXUQHG RQ IRU VFDQQLQJ VHH ´8QGHUVWDQGLQJ %DQNVµ RQ 3DJH ;; $SSHDUV ZKHQ \RX ORFN WKH NH\SDG % $SSHDUV ZKHQ WKH EDWWHULHV DUH ORZ $
88CH $SSHDUV ZLWK GLJLWV ² RU 3 WR VKRZ ZKLFK FKDQQHO WKH VFDQQHU LV WXQHG WR 1888.8888 ,QGLFDWHV UHFHLYLQJ IUHTXHQF\ VWDWXV PDVVDJH HWF CT $SSHDUV ZKHQ WKH VFDQQHU VHDUFKHV &7&66 FRGH DC $SSHDUV ZKHQ WKH VFDQQHU VHDUFKHV '&6 FRGH DLY $SSHDUV ZKHQ \RX SURJUDP D VHFRQG GHOD\ ,QGLFDWHV WKH VHDUFK RU VFDQ GLUHFWLRQ SRCH $SSHDUV GXULQJ VHUYLFH EDQN VHDUFKHV SCAN $SSHDUV ZKHQ WKH VFDQQHU VFDQV FKDQQHOV MAN $SSHDUV ZKHQ \RX PDQXDOO\ VHOHFW D FKDQQHO PGM $SSHDUV ZKHQ
FIrE $SSHDUV DERXW VHFRQGV ZKHQ \RX SUHVV )' 3' NH\ POLICE $SSHDUV DERXW VHFRQGV ZKHQ \RX SUHVV )' 3' NH\ AIr $SSHDUV DERXW VHFRQGV ZKHQ \RX SUHVV $,5 NH\ HAM $SSHDUV DERXW VHFRQGV ZKHQ \RX SUHVV +$0 NH\ WEAthEr $SSHDUV DERXW VHFRQGV ZKHQ \RX SUHVV :; NH\ Lo VHF $SSHDUV ZKHQ \RX WXUQ RQ WKH ORZ 9+) VXE EDQN ZKLOH ILUH SROLFH EDQN VHDUFKLQJ Hi VHF $SSHDUV ZKHQ \RX WXUQ RQ WKH KLJK 9+) VXE EDQN ZKLOH ILUH SROLFH EDQN VHDUFKLQJ Lo UHF $SSHDUV ZKHQ \RX WXUQ RQ WKH ORZ 8+)
6HUYLFH 6HDUFK %DQGV 7KH VFDQQHU LV SUHSURJUDPPHG ZLWK WKH IUHTXHQFLHV DOORFDWHG E\ PDULQH ILUH SROLFH DLUFUDIW KDP UDGLR DQG ZHDWKHU VHUYLFHV 7KLV LV KDQG\ IRU TXLFNO\ ILQGLQJ DFWLYH IUHTXHQFLHV LQVWHDG RI VHDUFKLQJ WKURXJK DQ HQWLUH EDQG VHH ´6HDUFKLQJ WKH 6HUYLFH 6HDUFK %DQGVµ RQ 3DJH ;; 1RWH 7KH IUHTXHQFLHV LQ WKH VFDQQHU·V VHUYLFH EDQNV DUH SUHVHW
² ² ² ,I \RX VHOHFW &DQDGD IUHTXHQF\ PRGH WKHUH DUH DV IROORZV ² ² ² ²
0DULQH &KDQQHO )UHTXHQF\ 0+]
23(5$7,21 7851,1* 21 7+( 6&$11(5 6(77,1* 92/80( $1' 648(/&+ 7R WXUQ RQ WKH VFDQQHU WXUQ 92/80( FORFNZLVH WELCOME PHVVDJH DSSHDUV $IWHU DERXW VHFRQGV \RX PLJKW KHDU D KLVVLQJ VRXQG 7KHQ DGMXVW 92/80( WR D FRPIRUWDEOH OLVWHQLQJ OHYHO 3UHVV 64 21 2)) VZLWFK S DSSHDUV ZKHQ WKH VFDQQHU·V VTXHOFK LV WXUQ RQ 6HOHFW 64 +, RU 64 /2 LI SRV VLEOH 6TXHOFK 2Q 2II 6ZLWFK 6TXHOFK +LJK /RZ 6ZLWFK 1RWHV 7R OLVWHQ WR D ZHDN RU GLVWDQW VWDWLRQ VZLWFK WR 64 /2 ,I UHFHSWLRQ LV SRRU VHW 64 +, /2 W
5DGLR 0RGH 7KLV VFDQQHU KDV GLIIHUHQW PRGH VXFK DV 6FDQQHU PRGH DQG )0 UDGLR PRGH ,I \RX SUHVV 6FDQQHU WKH VFDQ QHU WXUQV 6FDQQHU PRGH ,I \RX SUHVV )0 UDGLR WKH VFDQQHU WXUQV )0 UDGLR PRGH )ROORZLQJ WDEOH VKRZV HDFK PRGH·V IXQFWLRQV &KDQQHO 7XQH 6HUYLFH 6HDUFK 3ULRULW\ 6FDQ 0DQXDO &7&66 '&6 'HOD\ /RFNRXW 6FDQQHU PRGH FK [ EDQNV
6725,1* .12:1 )5(48(1&,(6 ,172 &+$11(/6 )ROORZ WKHVH VWHSV WR VWRUH IUHTXHQFLHV LQWR FKDQQHOV 3UHVV 0$1 6&$1 ZKLOH MAN DSSHDUV (QWHU EDQN DQG FKDQQHO QXPEHU ZKHUH \RX ZDQW WR VWRUH D IUHTXHQF\ WKHQ SUHVV 0$1 6&$1 3UHVV )81& WKHQ SUHVV (17 3*0 WR HQWHU SURJUDP PRGH 2U SUHVV )81& WKHQ (17 3*0 WR HQWHU SURJUDP PRGH DQG SUHVV RU WR PRYH WKH FKDQQHO ZKHUH \RX ZDQW WR VWRUH D IUHTXHQF\ 8VH WKH QXPEHU NH\V DQG DQG WR HQWHU WKH IUHTXHQF\ LQFOXGLQJ WKH GHFLPDO SRLQW \R
),1',1* $1' 6725,1* $&7,9( )5(48(1&,(6 6HDUFKLQJ WKH 6HUYLFH 6HDUFK %DQGV
1RWHV 7R UHYHUVH WKH VHDUFK GLUHFWLRQ DW DQ\ WLPH SUHVV RU 7R SDXVH WKH VHDUFK ZKLOH UHFHLYLQJ D VLJQDO SUHVV 36( 7R UHVXPH VHDUFKLQJ SUHVV 36( DJDLQ ,I QHFHVVDU\ \RX FDQ VHOHFW VHDUFK JURXSV XVLQJ WKH QXPEHU NH\V 7R VHDUFK IRU DQRWKHU DFWLYH IUHTXHQF\ LQ WKH VHOHFWHG EDQG SUHVV RU 7R VHOHFW D GLIIHUHQW EDQG DQG VHDUFK IRU DQRWKHU DFWLYH IUHTXHQF\ UHSHDW 6WHSV 2QFH \RX ILQG LQWHUHVWLQJ IUHTXHQFLHV GXULQJ WKH VHDUFK \RX FDQ VWRUH WKHP LQWR WKH VFDQQHU·V FKDQQHO VWRU DJ
1RWH ,I \RX HQWHUHG D IUHTXHQF\ WKDW LV DOUHDG\ VWRUHG LQ DQRWKHU FKDQQHO -dUPL- GXSOLFDWH DQG WKH ORZ HVW QXPEHUHG FKDQQHO FRQWDLQLQJ WKH GXSOLFDWH IUHTXHQF\ DSSHDUV ,I \RX ZDQW WR VWRUH WKH IUHTXHQF\ DQ\ZD\ SUHVV FKDQQHO QXPEHU WKHQ (17 WR VHOHFW FKDQQHO WKHQ (17 DJDLQ
8VLQJ 7XQH 'XULQJ D WXQH WKH VFDQQHU WXQHV XS RU GRZQ VWDUWLQJ IURP D IUHTXHQF\ \RX VSHFLI\ )ROORZ WKHVH VWHSV WR XVH WXQH 1RWH
6&$11,1* 7+( 6725(' &+$11(/6 7R VHW WKH VFDQQHU WR FRQWLQXRXVO\ VFDQ WKURXJK DOO FKDQQHOV ZLWK VWRUHG IUHTXHQFLHV VLPSO\ SUHVVLQJ 6&$1 0$1 XQWLO SCAN DQG DSSHDU WKHQ WKH VFDQQHU EHJLQV WR UDSLGO\ VFDQ XQWLO LW ILQGV DQ DFWLYH IUHTXHQF\ ,I WKH VFDQQHU ILQGV DQ DFWLYH IUHTXHQF\ LW VWRSV DQG GLVSOD\V WKDW FKDQQHO DQG IUHTXHQF\ QXPEHU WKHQ LW DXWR PDWLFDOO\ EHJLQV VFDQQLQJ DJDLQ ZKHQ WKH WUDQVPLVVLRQ RQ WKDW IUHTXHQF\ HQGV 1RWHV 7R UHYHUVH WKH VFDQQLQJ GLUHFWLRQ SUHVV RU 7R VHW WKH VFDQQH
021,725,1* $ 6725(' &+$11(/
)0 5DGLR 2SHUDWLRQ 3UHVV )0 UDGLR WR HQWHU )0 5DGLR PRGH FM radio FKDQQHO QXPEHU DQG IUHTXHQF\ RU 000.0000 DSSHDUV 3UHVV 781( WR HQWHU WKH )0 UDGLR EDQG WXQH PRGH ,I WKH VFDQQHU GLVSOD\V 3X DW OHIW VLGH WKH VFDQQHU SDXVHV WKH WXQH 3UHVV 36( &/($5 WR VWDUW WXQH 781( 3UHVV 781( &/($5 36( 3UHVV 36( WR VWDUW WXQH 7KH VFDQQHU VWRSV WXQH LI WKH VFDQQHU ILQG WKH EURDGFDVWLQJ VWDWLRQ ,I WKH VFDQQHU ILQG )0 EURDGFDVW WKH VFDQQHU VWRSV WXQH 3UHVV (17 WR VWRUH WKH IUHTXHQF\ LQWR )
/,67(1,1* 72 7+( 0$5,1( %$1' 7R OLVWHQ WR WKH PDULQH EDQG SUHVV )81& WKHQ SUHVV 0$5 MAr DSSHDUV DERXW VHFRQGV WKHQ WKH VFDQ QHU VWDUWV VHDUFKLQJ IURP PDULQH FKDQQHO 7R VWRS VHDUFKLQJ WKH FKDQQHOV SUHVV 36( SRCH GLVDSSHDUV DQG MAN DSSHDUV 7R FKDQJH WKH FKDQQHO PDQXDOO\ SUHVV RU 7R VHDUFK WKURXJK WKH PDULQH EDQN DJDLQ SUHVV 36( MAN GLVDSSHDUV DQG SRCH DSSHDUV 7R FKDQJH WKH VHDUFKLQJ GLUHFWLRQ SUHVV RU
7R VWRS VHDUFKLQJ WKH FKDQQHOV SUHVV 36( SRCH GLVDSSHDUV DQG MAN DSSHDUV 7R FKDQJH WKH FKDQQHO PDQXDOO\ SUHVV RU 7R VHDUFK WKURXJK WKH ZHDWKHU EDQN DJDLQ SUHVV 36( MAN GLVDSSHDUV DQG SRCH DSSHDUV 7R FKDQJH WKH VHDUFKLQJ GLUHFWLRQ SUHVV RU 6$0( 6WDQGE\ 0RGH 7KH 1DWLRQDO :HDWKHU 6HUYLFH SUHFHGHV HDFK ZHDWKHU DOHUW ZLWK D GLJLWDOO\ HQFRGHG 6$0( 6SHFLILF $UHD 0HV VDJH (QFRGLQJ VLJQDO WKHQ D +] WRQH 7KH 6$0( VLJQDO LQFOXGHV D ),36 )HGHUDO ,QIRUPDWLRQ 3URFHVV LQJ 6WDQGDUG DUHD F
1RWHV
6SHFWUXP 6ZHHSHU
63(&,$/ )($785(6 8VLQJ &7&66 DQG '&6 &7&66 DQG '&6 DOORZ \RX WR SURJUDP IUHTXHQFLHV LQWR \RXU VFDQQHU WKDW DUH XVHG E\ PRUH WKDQ RQH JURXS LQ \RXU DUHD DQG OLVWHQ RQO\ WR WKH JURXS WKDW LV RI LQWHUHVW WR \RX E\ VSHFLI\LQJ WKH JURXS·V VSHFLILF &7&66 RU '&6 FRGH &7&66 DQG '&6 FDQ DOVR KHOS UHGXFH LQVWDQFHV ZKHUH LQWHUIHULQJ VLJQDOV FDXVH \RXU VFDQQHU WR VWRS RQ RQH FKDQQHO 1RWH $0 PRGH·V IUHTXHQF\ UDQJH H[ $LU EDQG 0+] HWF WKLV IXQFWLRQ FDQQRW EH XVHG 6HDUFKLQJ &7&6
3URJUDPPLQJ &7&66 '&6 &RGH 6HDUFK 6HWWLQJ LQWR &KDQQHO 0HPRU\ 0DQXDOO\ VHOHFW WKH FKDQQHO ZKHQ \RX SURJUDP WKH FRGH WKHQ SUHVV )81& (17 3*0 3UHVV &7 '& Ct dC-Srch DSSHDUV DQG CT DC IODVKHV 3UHVV (17 WR VWRUH &7&66 '&6 FRGH VHDUFK VHWWLQJ LQWR WKLV FKDQQHO &7 '& 3UHVV &7 '& 3*0 (17 3UHVV (17 Ct dC-Srch IODVKHV WZLFH 7KH &7&66 '&6 FRGH VHDUFK VHWWLQJ LV SURJUDPPHG LQWR WKLV FKDQQHO CT DQG DC LFRQV DUH IODVKHV 3UHVV &7 '& DJDLQ Ct-Srch DSSHDUV DQG CT IODVKHV 3UHVV (17 WR VWRU
3URJUDPPLQJ &7&66 '&6 &RGH LQWR &KDQQHO 0HPRU\ 0DQXDOO\ VHOHFW WKH FKDQQHO ZKHQ \RX SURJUDP WKH FRGH WKHQ SUHVV )81& (17 3*0 3UHVV &7 '& WZR WLPHV Ct-Srch DSSHDUV DQG CT IODVKHV 3UHVV RU WR VHOHFW &7&66 FRGH WKHQ SUHVV (17 WR VWRUH &7&66 FRGH LQWR WKLV FKDQQHO 3UHVV &7 '& WKUHH WLPHV dC-Srch DSSHDUV DQG DC IODVKHV 3UHVV RU WR VHOHFW '&6 FRGH WKHQ SUHVV (17 WR VWRUH '&6 FRGH LQWR WKLV FKDQQHO 3UHVV &7 '& WLPHV Ct dC-OFF DSSHDUV 3UHVV (17 WR FOHDU WKH &7&66 '&6 VHWWLQJ
/2&.,1* 287 &+$11(/6 25 )5(48(1&,(6
5HYLHZLQJ /RFNHG 2XW )UHTXHQFLHV 7R UHYLHZ WKH IUHTXHQFLHV \RX ORFNHG RXW KROG GRZQ / 2 / 2 59: IRU DERXW VHFRQGV GXULQJ D VHDUFK WXQH RU VSHFWUXP VZHHSHU WKHQ UHSHDWHGO\ SUHVV RU Lr /RFNRXW 5HYLHZ DSSHDUV DQG WKH VFDQQHU GLVSOD\V DOO ORFNHG RXW IUHTXHQFLHV DV \RX SUHVV RU RU EMPty DSSHDUV ZKHQ WKH VHDUFK EDQN KDV QR ORFNHG RXW IUHTXHQFLHV :KHQ \RX UHDFK WKH KLJKHVW ORFNHG RXW IUHTXHQF\ WKH VFDQQHU EHHSV WZLFH DQG UHWXUQV WR WKH ORZHVW ORFNHG RXW IUHTXHQF\ 5HPRYLQJ /RFNRXWV )RUP $
7R SURJUDP D ZHDWKHU FKDQQHO DV WKH SULRULW\ FKDQQHO 3UHVV :; 6HOHFW WKH ZHDWKHU FKDQQHO \RX ZDQW WR SURJUDP DV WKH SULRULW\ FKDQQHO 3UHVV (17 3 &K IODVKHV DQG SUHYLRXVO\ VWRUHG IUHTXHQF\ GLVSOD\V 3UHVV (17 DJDLQ WR VWRUH WKH SULRULW\ FKDQQHO DQG GLVSOD\ EOLQNV WZR WLPHV 3UHVV 36( &/($5 WR FDQFHO 7R WXUQ RQ WKH SULRULW\ IHDWXUH SUHVV )81& WKHQ 35, 781( GXULQJ VFDQQLQJ RU VHDUFKLQJ 35, DSSHDUV 7KH VFDQQHU FKHFNV WKH SULRULW\ FKDQQHO HYHU\ VHFRQGV DQG VWD\V RQ WKH FKDQQHO LI WKHUH
7851,1* 7+( .(< 721( 21 $1' 2)) 7KH VFDQQHU LV SUHVHW WR VRXQG D WRQH HDFK WLPH \RX SUHVV RQH RI LWV NH\V H[FHSW OLJKW NH\ V\PERO
,1,7,$/,=,1* 7+( 6&$11(5 ,I WKH VFDQQHU·V GLVSOD\ ORFNV XS RU GRHV QRW ZRUN SURSHUO\ DIWHU \RX FRQQHFW D SRZHU VRXUFH \RX PLJKW QHHG WR LQLWLDOL]H WKH VFDQQHU ,PSRUWDQW 7KLV SURFHGXUH FOHDUV DOO LQIRUPDWLRQ \RX VWRUHG LQ WKH VFDQQHU·V PHPRU\ ,QLWLDOL]H WKH VFDQQHU RQO\ ZKHQ \RX DUH VXUH WKH VFDQQHU LV QRW ZRUNLQJ SURSHUO\ 7XUQ RII WKH VFDQQHU WKHQ WXUQ LW RQ DJDLQ :(/&20( 365 6F$QQ(U DSSHDUV 3UHVV ZKLOH ZHOFRPH PHVVDJH 7KHQ SUHVV ,Q,W,$/ DSSHDUV DERXW VHFRQGV $IWHU VHFRQGV
)$4V )UHTXHQWO\ $VNHG 4XHVWLRQV 7KH VFDQQHU LV QRW ZRUNLQJ DW DOO :KDW·V ZURQJ" 7KH $& RU '& DGDSWRU PLJKW QRW EH FRQQHFWHG %H VXUH WKH DGDSWRU·V EDUUHO SOXJ LV IXOO\ LQVHUWHG LQWR WKH 3:5 '& 9 MDFN 7KH FHQWHU WLS RI WKH DGDSWRU·V EDUUHO SOXJ PXVW EH VHW WR SRVLWLYH 7KH EDWWHULHV PLJKW EH GHDG RU QHHG WR EH UHFKDUJHG 5HFKDUJH WKH UHFKDUJHDEOH EDWWHULHV RU UHSODFH WKH DONDOLQH EDWWHULHV 7KH VFDQQHU GRHV QRW UHFHLYH DQ\ VWDWLRQV RU UHFHSWLRQ LV SRRU :KDW·V ZURQJ" 7KH VFDQQHU UHFHLYHV ZHDN
%LUGLH )UHTXHQFLHV (YHU\ VFDQQHU KDV ELUGLH IUHTXHQFLHV %LUGLHV DUH VLJQDOV FUHDWHG LQVLGH WKH VFDQQHU·V UHFHLYHU 7KHVH RSHUDW LQJ IUHTXHQFLHV PLJKW LQWHUIHUH ZLWK WUDQVPLVVLRQV RQ WKH VDPH IUHTXHQFLHV ,I \RX SURJUDP RQH RI WKHVH IUH TXHQFLHV \RX KHDU RQO\ QRLVH RQ WKDW IUHTXHQF\ ,I WKH LQWHUIHUHQFH LV QRW VHYHUH \RX PLJKW EH DEOH WR VHOHFW 64 +, WR FXW RXW WKH ELUGLH 7R ILQG WKH ELUGLHV LQ \RXU LQGLYLGXDO VFDQQHU EHJLQ E\ GLVFRQQHFWLQJ WKH DQWHQQD DQG PRYLQJ LW DZD\ IURP WKH VFDQQHU 0DNH VXUH
63(&,),&$7,216 )UHTXHQF\ &RYHUDJH 0+] 86$ N+] VWHSV $0 N+] VWHSV $0 N+] VWHSV $0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV :)0 N+] VWHSV $0 N+] VWHSV )0 N+] VWHSV $0 N+] VWHSV )0 N+] VWHSV )0
N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 N+] VWHSV )0 )UHTXHQF\ &RYHUDJH 0+] &DQDGD N+] VWHSV $0 N+] VW
&KDQQHOV RI 2SHUDWLRQ 6FDQQHU PRGH FKDQQHOV )0 UDGLR PRGH FKDQQHOV 6HQVLWLYLW\ )0 G% 6,1$' DW 'HY N+] DW N+] ² 0+] X9 ² 0+] X9 ² 0+] X9 0+] X9 0+] X9 $0 G% 6,1$' DW 0RG DW N+] ² 0+] ² 0+] X9 X9 ² 0+] 86$ 2QO\ X9 :)0 )0 UDGLR G% 6,1$' DW 'HY N+] DW N+] 0+] X9 6SXULRXV 5HMHFWLRQ )0 #
VW ,) 0+] QG ,) 0+] UG ,) N+] ,) 5HMHFWLRQ 5DWLR 0+] G% DW 0+] 6TXHOFK 6HQVLWLYLW\ 64 6: /R $0 )0 X9 )0 UDGLR 64 6: +L $0 X9 G% $0 )0 6 1 1 G% )0 G% )0 UDGLR 6 1 1 G% )0 UDGLR G% $QWHQQD ,PSHGDQFH 2KPV $XGLR 2XWSXW 3RZHU 7+' %7/ P: 1RPLQDO %XLOW ,Q 6SHDNHU ,QFKHV PP 2KPV 2SHUDWLQJ 7HPSHUDWXUH WR ) ² WR & 3RZHU 5HTXLUHPHQWV 9ROWV '& $$ %