Benefonj TGP77AU PCS Handset Model: esc! User Manual 1gp 77gb 1
Benefon Oyj PCS Handset Model: esc! 1gp 77gb 1
Benefonj >
Contents
- 1. users manual
- 2. safety and precautions manual page
users manual

,
%(1()21(6&
2ZQHU·V0DQXDO
3XEOLFDWLRQQXPEHU<=
$OOULJKWVUHVHUYHG
%HQHIRQ2\M

,,
)&&,1'8675<&$1$'$127,&(
7KLVGHYLFHFRPSOLHVZLWKSDUWRIWKH)&&5XOHV2SHUDWLRQLVVXEMHFWWRWKHIROORZLQJWZR
FRQGLWLRQV
7KLVGHYLFHPD\QRWFDXVHKDUPIXOLQWHUIHUHQFH
7KLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHUHFHLYHGLQFOXGLQJLQWHUIHUHQFHWKDWPD\FDXVHXQGHV
LUHGRSHUDWLRQ
&(57,),&$7,21,1)250$7,21
)&&,'4)37*3$8
,&$7*3$8
0DQXIDFWXUHU %HQHIRQ2\M
32%R[
6DOR
)LQODQG

,,,
48,&.*8,'(
32:(5212))
3UHVVIRUDIHZVHFRQGV
(0(5*(1&<&$//72/2&$/(0(5*(1&<
180%(5(*
3UHVV626DQG2.RU
'LDO QRUPDOO\ E\ NH\LQJ LQ WKH ORFDO HPHUJHQF\
QXPEHUHJDQGSUHVVLQJO
0$.,1*$&$//
&DOO GLUHFWO\ E\ NH\LQJ LQ WKH QXPEHU LQFOXGLQJ
WKHDUHDFRGHDQGSUHVVLQJ O
5HFDOO WKH QXPEHU IURP UHGLDO PHPRU\ E\ ILUVW
SUHVVLQJOVFUROOLQJWRWKHGHVLUHGQXPEHUZLWK
QDQGSUHVVLQJO
&DOOWRWKHQXPEHUMXVWGLDOOHGE\SUHVVLQJ O
WZLFH
4XLFN GLDO WKH SKRQH QXPEHU E\ VHOHFWLQJ WKH
PHPRU\VORWQXPEHUEHWZHHQDQGDQG
SUHVVLQJWKHFRUUHVSRQGLQJQXPHULFNH\IRUDIHZ
VHFRQGV
8VH WKH 3KRQH ERRN 0HVVDJHVRU5HFHQW FDOOV
PHQXVIRUUHFDOOLQJQXPEHUVDQGPDNLQJFDOOV
$16:(5,1*$&$//
7RDQVZHUDFDOOSUHVVO
(1',1*$&$//
7RHQGDFDOOSUHVVF
,*125,1*$&$//
,I\RXGRQRWZDQWWRDQVZHUDQLQFRPLQJFDOO
SUHVVF
&255(&7,1*(55256
&RUUHFWW\SLQJHUURUVE\SUHVVLQJ&/($5
&/($5,1*7+(',63/$<
3UHVVDQGKROG&/($5IRUDIHZVHFRQGV
7851,1*7+(.(</2&.212))
,Q VWDQGE\ PRGH RU RQ WKH QDYLJDWRU SDJHV
HQWHUWKH4XLFNPHQXE\SUHVVLQJQGRZQZDUGV
DQGORFNWKHNH\SDGE\SUHVVLQJ2.
2SHQWKHNH\ORFNE\SUHVVLQJ81/2&.DQG
2.
7851,1*7+(6,/(17$/(57212))
,Q VWDQGE\ PRGH RU RQ WKH QDYLJDWRU SDJHV
HQWHU WKH 4XLFN PHQX E\ SUHVVLQJ QXSZDUGV
(QWHU WKH (QYLURQPHQWVHOHFWLRQ E\ SUHVVLQJ
&+$1*(6HOHFWWKHRSWLRQ6LOHQWZLWKWKHKHOSRI
QDQGSUHVV2.

,9
7851,1*7+(*365(&(,9(5212))
,QVWDQGE\PRGHRURQWKHQDYLJDWRUSDJHVHQ
WHUWKH4XLFNPHQXE\SUHVVLQJQ
)LQG*36UHFHLYHUZLWKWKHKHOSRIQDQGSUHVV
&+$1*(
6HOHFWWKHGHVLUHGDFWLYLW\ZLWKWKHKHOSRIQ
DQGSUHVV2.
$&&(66,1*0(186
,QVWDQGE\PRGHHQWHUWKH*60PHQXE\SUHVV
LQJ*60
,Q VWDQGE\ PRGH RU RQ WKH QDYLJDWRU SDJHV
HQWHUWKH4XLFNPHQXE\SUHVVLQJQ
,Q VWDQGE\ PRGH RU RQ WKH QDYLJDWRU SDJHV
HQWHUWKH0DLQPHQXE\SUHVVLQJ0(18
,QVWDQGE\PRGHHQWHUWKHQDYLJDWRUSDJHVRU
EURZVHWKHPE\SUHVVLQJWKHORZHUVLGHNH\V
DQG!$QRWKHUZD\LQVWDQGE\PRGHILUVWHQWHU
WKH0DLQPHQX E\SUHVVLQJ0(18WKHQ KLJK
OLJKWWKHGHVLUHGQDYLJDWRUSDJHLH0DS*XLGH
3RVLWLRQ RU 0RYHPHQW ZLWK Q DQG SUHVV
6(/(&7
2Q DQ\ RI WKH QDYLJDWRU SDJHV HQWHU WKH *36
PHQXE\SUHVVLQJ*36
<RX FDQ UHWXUQ WR VWDQGE\ PRGH IURP DOO
PHQX OHYHOV E\ SUHVVLQJ F $QRWKHU ZD\ ILUVW
HQWHU WKH PDLQ PHQX E\ SUHVVLQJ 0(18 LQ
ZKLFK\RXVHOHFWWKHRSWLRQ3KRQH
86,1*0(18)81&7,216
7KHPHQXLWHPVDUHVKRZQDVDOLVWZKLFKFDQ
EHVFUROOHGZLWKWKHKHOSRIQ
7RFKRRVHRQHRIWKHVHLWHPVKLJKOLJKWWKH
LWHPDQGSUHVVWKHULJKWIXQFWLRQNH\HJ
6(/(&7 <RX ZLOO WKHQ HQWHU D VXEPHQX RU
KDYHVRPHRWKHUDSSURSULDWHRSWLRQV
3UHVV48,7WRUHWXUQWRWKHSUHYLRXVPHQX
OHYHORUFWRUHWXUQWRVWDQGE\PRGH
5($',1*1(:6+2570(66$*(6$1'
5(6321',1*7281$16:(5('&$//6
8QDQVZHUHGFDOOVDQGQHZVKRUWPHVVDJHV\RX
KDYHUHFHQWO\UHFHLYHGDUHVKRZQLQDWUDIILF
OLVWLQVWDQGE\PRGH
6HOHFWDQXQDQVZHUHGFDOOPDUNHGZLWK-
ZLWKWKHKHOSRIQ3UHVVOWRFDOOLWVQXPEHU
<RXFDQDOVRVDYHLWDWRQFH
6HOHFWDPHVVDJHPDUNHGZLWKV ZLWK WKH
KHOSRIQ3UHVV6(/(&7WRUHDGRURWKHUZLVH
SURFHVVLW
([LWWKHOLVWE\SUHVVLQJ48,7

9
<RX ZLOO ODWHU ILQG WKH FDOOV DQG PHVVDJHV LQ
WKHLUUHVSHFWLYH PHQXV5HFHQWFDOOVDQG0HV
VDJHVLQ*60PHQX
2WKHUUHFHLYHGPHVVDJHW\SHVVXFKDVUHFHLYHG
)ULHQG)LQGXSGDWHVDUHDOVROLVWHGLQWKHVWDQG
E\PRGH
(037<,1*7+(6+2570(66$*(0(025<
$IODVKLQJHQYHORSHVLQVWDQGE\PRGHLVD
VLJQRIHUURULQUHFHLYLQJWKHODVWVKRUWPHVVDJH
,QPRVWFDVHVLWPHDQVWKDW\RXUVKRUWPHVVDJH
PHPRU\LVIXOO\RXFDQQRWUHFHLYHQHZ
PHVVDJHVXQWLO\RXKDYHILUVWGHOHWHGVRPHROG
RQHV
,QVWDQGE\PRGHSUHVV*60)LQG0HVVDJ
HVZLWKQ3UHVV6(/(&7
6HOHFW,QER[RUILQG2XWER[ZLWKQ3UHVV6(
/(&7
)LQGWKHPHVVDJHZKLFK\RXZLVKWRUHPRYH
ZLWKQ3UHVV6(/(&7WZLFH
)LQG'HOHWHZLWKQDQGSUHVV2.&RQILUP
WKHGHOHWLRQE\SUHVVLQJ2.DJDLQ
'(/(7,1*$//0(66$*(6)520,1%2;25
287%2;$721&(
,QVWDQGE\PRGHSUHVV*60)LQG0HVVDJ
HVZLWKQ3UHVV6(/(&7
6HOHFW,QER[RUILQG2XWER[ZLWKQ3UHVV6(
/(&7
)LQG'HOHWHDOOZLWKQDQGSUHVV2.&RQILUP
WKHGHOHWLRQE\SUHVVLQJ2.DJDLQRUFDQFHO
WKHGHOHWLRQE\SUHVVLQJ12
/,67(1,1*720(66$*(6/()7,1<285
92,&(0$,/6(59,&(
,QVWDQGE\PRGHSUHVV*60)LQG0HVVDJHV
ZLWKQDQGSUHVV6(/(&7)LQG&DOOYRLFHPDLO
ZLWKQDQGSUHVV6(/(&7

9,
.(<)81&7,216)257+(76+2570(66$*(6
NH\ IXQFWLRQ GLVSOD\VKRZV
YHULI\WKHZRUGDQGPDNHVSDFH FXUVRUPRYLQJIRUZDUG
WXUQWKH7PRGHRQRII
b FKDQJHWKHFKDUDFWHUIRUPV 8D9
=
VHF FKDQJHWKHODQJXDJH DYDLODEOHODQJXDJHV
$&&(37YHULI\WKHFRPSRXQGZRUG
Q VFUROOWKHDOWHUQDWLYHZRUGVRUVXEPHQX VHOHFWLRQOLVWLQWKHVXEPHQX
VHF DFFHVVWKHZKROHVHOHFWLRQRIVSHFLDOFKDUDFWHUVOLQHV VFUROOZLWKQSUHVVWKH
QXPHULFNH\ZKLFKFRUUHVSRQGVWRWKHGHVLUHGFKDU
DFWHU

&217(176
,1752'8&7,21
%(1()21(6&
620(.(<)($785(6
7WH[WLQSXWWHFKQRORJ\
*OREDO3RVLWLRQLQJ6\VWHP*36
1HZVHUYLFHV
5(*,67(5)25)5((6(59,&(6
02%,/(0$36(59,&(
+(/3'(6.
025(6(59,&(672&20(
)RUVHUYLFHSURYLGHUV
1(:/2&$7,216(59,&(6
6$)(7<$1'35(&$87,216
*HQHUDO
5DGLRIUHTXHQF\5)HQHUJ\
%RG\:RUQ2SHUDWLRQ
6SHFLILF$EVRUSWLRQ5DWH6$5
IRU:LUHOHVV3KRQHV
)&&5DGLR)UHTXXHQF\(PLVVLRQ
*36DQGPDSGDWD
3ULYDF\
(PHUJHQF\FDOOVDQGPHVVDJHV
6SODVKSURRIQHVV
48,&.67$57
:+$772'2),567
,QVHUWLQJWKH6,0FDUG
,QVHUWLQJWKHUXEEHUVHDO
)LWWLQJWKHEDWWHU\
5HPRYLQJWKHEDWWHU\
,QLWLDOL]LQJWKHSKRQH
7XUQLQJWKHSKRQHRQ
7XUQLQJWKHSKRQHRII
&KDQJLQJWKHODQJXDJH
29(59,(:
6WDQGE\PRGH
,1',&$7256
1DYLJDWRUSDJHV
0HQXV
.H\SDG
$/3+$180(5,&.(<6$1'7
(0(5*(1&<.(<
3$86($1'68%$''5(66&+$5$&7(56
&+$5$&7(56$9$,/$%/(
%5,()29(59,(:2)
3+21(86(
0$.,1*$&$//
,QWHUQDWLRQDOFDOOV
5HGLDOOLQJ
4XLFNGLDOOLQJ

5(&(,9,1*$&$//
&DOO/LQH,GHQWLILFDWLRQ&/,
$QVZHULQJDFDOO
$&7,9(&$//
$GYDQFHGRSWLRQVGXULQJDFDOO
1(:&$//
&21)(5(1&(&$//
6(/(&7,1*$&$//
(1',1*$&$//
3,&.,1*$:$,7,1*&$//
'5233,1*$:$,7,1*&$//
087,1*$&$//
&$//0(18
(1',1*&$//6
(0(5*(1&<&$//6
,1&20,1*75$)),&
86(:,7+287$6,0&$5'
%5,()29(59,(:2)
1$9,*$72586(
),56767(36
3RVLWLRQLQJWKH*36DQWHQQD
7XUQLQJWKH*36UHFHLYHURQRURII
*(77,1*),567*36326,7,21
*365(&(37,21
3225*36&29(5$*(
,1,7,$/,=,1*7+(*365(&(,9(5
86,1*7+(1$9,*$7253$*(6
0$3
3RLQWLQJPRGH
)5,(1'),1'237,216
*8,'(
326,7,21
029(0(17
48,&.0(18
.(<3$'/2&.
/2&.,1*7+(.(<3$'
81/2&.,1*7+(.(<3$'
*365(&(,9(5$&7,9,7<
6(/(&7,1*$1(19,5210(17
0$,10(18
$&&(6625,(6
$ODUPFORFN
$/$50&/2&.$/(57
1RWHSDG
&DOHQGDU
'$<9,(:
&+226('$7(
9,(:,1*$//(175,(6$*(1'$
$'',1*$1(:&$/(1'$5(175<
9,(:,1*$&$/(1'$5(175<$*(1'$
&$/(1'$5$/(57
&DOFXODWRU
*DPHV

*$/$&7,&*811(5
%/$67(50$67(5
:250
3,&785(38==/(
:$//%5($.(5
/$%<5,17+
7,&7$&72(
6(77,1*6
(QYLURQPHQWV
(',7,1*1250$/(19,5210(17
(',7,1*6,/(17',6&5((7
12,6<$1'1,*+7(19,5210(176
&$5.,7(19,5210(17
&5($7,1*1(:(19,5210(17
'(/(7,1*$1(19,5210(17
8VHULQWHUIDFH
6(/(&7,1*/$1*8$*(
$'-867,1*&2175$67
6&5((16$9(5
$8720$7,&.(</2&.
7LPHVHWWLQJV
7,0(
'$7(
6$7(//,7(7,0(
7,0(=21(
'$</,*+76$9,1*7,0(
8QLWV
',67$1&(63(('
(/(9$7,21
&855(1&<
3RZHU
32:(5217,0(5
32:(52))7,0(5
*60
0(66$*(6(783
%52$'&$676(783
$1<.(<$16:(5
$872$16:(5
',$//,1*35(),;
5(',$/0(025<
48,&.',$//,1*
*6002'8/(
*36
0$3'(7$,/6
326,7,21,1*
&2856($/(576
/()7$1'5,*+7'$7$),(/'
10($287387
$*36
5(6(7326,7,21
+HOSGHVN
180%(5
/$1*8$*(
(PHUJHQF\FDOOVWR
SUHGHWHUPLQHGQXPEHUV
(0(5*(1&<.(<
(',70(66$*(
&$///,67
0$.,1*(0(5*(1&<&$//6
6HFXULW\
$6.3,1&2'(
$6.3+21(&2'(
&+$1*(3,1&2'(
&+$1*(3,1&2'(
&+$1*(3+21(&2'(
&+$1*(1(7:25.&2'(
),;('',$//,1*)'1
,0(,
5HVHWGHIDXOWVHWWLQJV

*600(18
3+21(%22.
5HFDOOLQJDSKRQHQXPEHU
(',7,1*$3+21(%22.(175<
'(/(7,1*$3+21(%22.(175<
6WRULQJDSKRQHQXPEHU
.(<,1*,1$1(:180%(5
,167$1'%<02'(
$'',1*$1(:180%(5
,17+(1$0(/,67
0(66$*(6
,QER[
5(&(,9,1*$1(:0(66$*(
5(&$//,1*,1&20,1*0(66$*(6
5($',1*$1'352&(66,1*$1
,1&20,1*0(66$*(
2XWER[
5(&$//,1*2:10(66$*(6
5($',1*25352&(66,1*2:10(66$*(6
%URDGFDVWV
5(&(,9,1*$1(:%52$'&$67
5(&$//,1*%52$'&$676
&DOOYRLFHPDLO
:ULWHPHVVDJH
1(:0(66$*(
3267321('0(66$*(6
:5,7,1*$0(66$*(
6(1',1*$1'6$9,1*7+(0(66$*(
5(&(17&$//6
8QDQVZHUHGFDOOV
352&(66,1*81$16:(5('&$//6
5HFHLYHGFDOOV
352&(66,1*5(&(,9('&$//6
&DOOFRXQWHUV
1(7:25.6(59,&(6
1HWZRUNVHOHFWLRQ
&DOOGLYHUWV
',9(57$//
',9(57%86<
',9(57127$16:(5('
',9(571275($&+$%/(
&/($5$//',9(576
&DOOEDUULQJV
287*2,1*&$//6
,1&20,1*&$//6
&/($5%$55,1*6
&DOOZDLWLQJ
&DOOFRVW
/$67&$//&267
727$/&$//6&267
021(</()7
0$;,08081,76
35,&(81,7
+(/3'(6.
*360(18
:$<32,176
&5($7,1*$1(::$<32,17
6(77,1*'(67,1$7,21
6(77,1*326,7,21
6(1',1*606:,7+&225',1$7(6
6(1',1*$:$<32,17
5(48(67,1*$5287(

9,(:,1*7+(0$3
029,1*$:$<32,17
(',7,1*
'(/(7,1*
5287(6
&5($7,1*$1(:5287(
6(77,1*'(67,1$7,21
9,(:,1*7+(0$3
:$<32,17/,67
9,(:,1*$1'(',7,1*
6(1',1*$5287(
0($685,1*/(1*7+
5(1$0,1*
'83/,&$7,1*
'(/(7,1*
)5,(1'),1'
)ULHQGOLVW
75$&.,1*,1)2
&5($7,1*$1(:)5,(1'32,17
6(77,1*'(67,1$7,21
6(77,1*326,7,21
$87+25,=,1*
6(1',1*$326,7,2183'$7(
5(48(67,1*$326,7,2183'$7(
6(1',1*75$&.,1*
&$1&(//,1*6(1',1*
5(48(67,1*75$&.,1*
&$1&(//,1*$75$&.,1*5(48(67
6(1',1*606:,7+&225',1$7(6
5(48(67,1*$5287(
6+2:,1*210$3
6$9,1*$6$:$<32,17
'(/(7,1*
0$36
9LHZLQJDQGSURFHVVLQJPDSV
6(1',1*606:,7+
&225',1$7(6
5(48(67,1*6(59,&(
5(48(67,1*$*36
83'$7,1*326,7,21
6.,33,1*5287(32,17
&/($5,1*'(67,1$7,21
5(6(77,1*0(7(56
%$77(5<
),77,1*$1'5(029,1*
7<3(6$1'6,=(6
7(03(5$785(
(037<%$77(5<
0$,16&+$5*(56
&+$5*,1*
&KDUJLQJWLPHV
&$5($1'0$,17(1$1&(
',6326$/
23(5$7,1*7,0(

$&&(6625,(6
0$,16&+$5*(5&0$
&,*$5(77(/,*+7(5&+$5*(5&&6
3257$%/(+$1'6)5(((+(
3/8*,1+$1'6)5((*0$
%(1(:,1352:,7+10($&$%/(
/,*+7+2/'(5.*&
%,&<&/(+2/'(5
&$55<,1*&$6(
(;7(51$/*36$17(11$
&5266&28175<$17(11$
$33(1',;(6
&$5($1'0$,17(1$1&(
352%/(06<28&$162/9(
,IWKHSKRQHZLOOQRWWXUQRQ
,IWKH6,0FDUGKDVEHHQEORFNHG
,I\RXORVH\RXU6,0FDUG
,I\RXUSKRQHJHWVORVW
,I\RXUSKRQHGRHVQRWIXQFWLRQ
,I\RXFDQQRWUHDGVWRUHRUPRGLI\
LQIRUPDWLRQLQSKRQHERRN
:URQJODQJXDJH
6HDUFKLQJIRUQHWZRUN
3RRU*36FRYHUDJH
92&$%8/$5<2)*607(506
6,0FDUG
3,1FRGH
3,1FRGH
38.FRGH
38.FRGH
3KRQHFRGH
1HWZRUNFRGH
,0(,FRGH
1HWZRUNRSHUDWRU
6HUYLFHSURYLGHU
92&$%8/$5<2)*367(506
:D\SRLQW
5RXWH
)ULHQG)LQG
)ULHQGSRLQW
'HVWLQDWLRQ
7UDFN
%HDULQJ
(VWLPDWHG7LPH(QURXWH(7(
(VWLPDWHG7LPHRI$UULYDO(7$
0(18&+$576
&<5,//,&&+$5$&7(56(7

,1752'8&7,21%(1()21(6&
,1752'8&7,21
%(1()21(6&
&RQJUDWXODWLRQV RQ \RXU
SXUFKDVH RI WKH %HQHIRQ
(VF 3HUVRQDO 1DYLJDWLRQ
3KRQHDUHYROXWLRQDU\FRP
PXQLFDWLRQ LQVWUXPHQW \RX
ZLOOQHYHUJHWORVWZLWK
7KLVSKRQHLVGHVLJQHGIRU
XVHRQWKH*60*OREDO
6\VWHP IRU 0RELOH &RPPX
QLFDWLRQV0+]QHW
ZRUNV<RXFDQXVHLWLQDOO
FRXQWULHVZKHUHWKH*60
QHWZRUN RSHUDWRUV KDYH D
URDPLQJFRQWUDFWZLWK \RXU
QHWZRUNRSHUDWRU
7KH LQVWUXPHQW IHDWXUHV D
SRZHUIXO*36QDYLJDWRUWKDW
ZRUNV HYHQ LI \RX DUH RXW
VLGH*60FRYHUDJH7KH
XQLTXHFRPELQDWLRQRI*36
DQG*60HTXLSPHQWLQWKLV
SKRQHDOVRHQDEOHVVHYHUDOLQQRYDWLYHQHZIHDWXUHV
OLNHWUDFNLQJRWKHU%HQHIRQ(VFSKRQHV
620(.(<)($785(6
DGYDQFHGGXDOEDQG*60SKRQH
FKDQQHOKLJKSHUIRUPDQFH*36UHFHLYHU
0RELOH 0DS 6HUYLFH GRZQORDG PDSV WR WKH
SKRQHXVLQJDQ\3&ZLWK,QWHUQHWEURZVHU
)ULHQG)LQGWUDFNDQGILQGDQRWKHU%HQHIRQ(VF
QDYLJDWLRQSKRQH
VHQGZD\SRLQWVDQGURXWHVWRRWKHU%HQHIRQ(VF
QDYLJDWLRQSKRQHV
HPHUJHQF\FDOOVDQGPHVVDJHVZLWKDVSHFLDO
HPHUJHQF\NH\
QHZORFDWLRQEDVHGVHUYLFHV
SHUVRQDO RUJDQL]HU FDOHQGDU ZLWK UHPLQGHUV
QRWHSDGFDOFXODWRUDQGDODUPFORFNZLWKVQRR]H
EXLOWLQ*60GDWDDQGID[PRGHP
GLPHQVLRQV[[PP
ZHLJKWJZLWKP$K/L,RQEDWWHU\
WRXJKDQGVSODVKSURRI

,1752'8&7,21%(1()21(6&
7KH KLJK TXDOLW\ %HQHIRQ (VF LV GHYHORSHG DQG
PDQXIDFWXUHGE\%HQHIRQ2\M%HQHIRQLVDFRPSD
Q\RSHUDWLQJZRUOGZLGHDQGVSHFLDOL]LQJLQZLUH
OHVVFRPPXQLFDWLRQLQVWUXPHQWV7KHKLJKTXDOLW\
DQGXVHUIULHQGO\%HQHIRQSURGXFWVDUHGHYHORSHG
DQGPDQXIDFWXUHGLQ)LQODQG
7WH[WLQSXWWHFKQRORJ\
7KLVSKRQHKDVRQHRIWKHZRUOG·VPRVWGHYHORSHG
WH[WLQSXWVRIWZDUHV\VWHPV77KH77H[W,QSXW
VRIWZDUHLVDWHFKQRORJ\IRUHQDEOLQJUDSLGHQWU\RI
WH[WRQUHGXFHGNH\NH\SDGVRQHSUHVVIRUHDFK
OHWWHULVHQRXJK
2QSKRQHNH\SDGVDVZHOODVLQRWKHUUHGXFHGNH\
NH\SDGVRQHNH\LVDVVLJQHGPRUHWKDQRQHOHWWHU
RUIXQFWLRQDQGVHOHFWLQJDOHWWHULVQRUPDOO\GRQH
E\SUHVVLQJWKHNH\KRZHYHUPDQ\WLPHVQHFHVVDU\
WRJHWWKHOHWWHUGHVLUHG7UHPRYHVWKLVQHFHVVLW\
E\XVLQJDGDWDEDVHZLWKDYRFDEXODU\DQGOLQJXLV
WLFUXOHVWKDWUHFRJQL]HVZKLFKZRUG\RXDUHZULW
LQJ
,IWKHUHLVPRUHWKDQRQHZRUGSRVVLEOHIRUWKHNH\
FRPELQDWLRQ 7 ZLOOFKRRVHWKH PRVW FRPPRQO\
XVHGZRUGDQGDOVRDOORZVHOHFWLRQIURPDOLVW
*OREDO3RVLWLRQLQJ6\VWHP*36
7KH*OREDO3RVLWLRQLQJ6\VWHPLVDZRUOGZLGHV\V
WHPRI VDWHOOLWHV ZKLFKRUELW WKHHDUWK WZLFHD
GD\WUDQVPLWWLQJSUHFLVHWLPHDQGSRVLWLRQLQIRU
PDWLRQ7KHV\VWHPLVRSHUDWHGDQGPDLQWDLQHGE\
WKHJRYHUQPHQWRIWKH8QLWHG6WDWHV
7KH*36UHFHLYHULQ\RXU%HQHIRQ(VFUHFHLYHVVLJ
QDOVIURPXSWRWZHOYHVDWHOOLWHVDWRQFHDQGXVLQJ
WKLV LQIRUPDWLRQ FDOFXODWHV \RXU SRVLWLRQ DQG
WUDFNV\RXUPRYHPHQWRQ(DUWKDQGDOVRVHWV\RXU
SKRQH·VFORFNRQWLPH
%HQHIRQ(VFLVDEOHWRWUDQVODWHDQGXVHWKHFKDQJ
LQJSRVLWLRQLQIRUPDWLRQIURPWKHVDWHOOLWHVXSWR
GLIIHUHQWW\SHVRIQDYLJDWLRQUHODWHGGDWDLWHPV
7LVDWUDGHPDUNRI
7HJLF&RPPXQLFDWLRQV,QF)RU
IXUWKHU LQIRUPDWLRQ DERXW 7
SOHDVHVHHZZZWHJLFFRP
7LVSDWHQWHGXQGHUWKHIROORZLQJ863DWHQWV
DQG DGGLWLRQDO SDWHQWV DUH SHQGLQJ
ZRUOGZLGH

,1752'8&7,21%(1()21(6&
LQFOXGLQJ VSHHG DQG KHDGLQJ DYHUDJH DQG WRS
VSHHGWULSRGRPHWHUZD\SRLQWVDQGURXWHVGLUHF
WLRQ (7$ DQG GLVWDQFH WR D ZD\SRLQW (VF DOVR
VXSSRUWVWKH10($LQWHUIDFH
,QIRUPDWLRQPXVW EH UHFHLYHGIURP DWOHDVW WKUHH
VXLWDEO\ SRVLWLRQHG VDWHOOLWHV IRU SRVLWLRQ FDOFXOD
WLRQ7KHVLJQDOVVHQWE\WKH*36VDWHOOLWHVDUHTXLWH
ZHDNDQGGRQRWWUDYHOWKURXJKVROLGREMHFWV
1HZVHUYLFHV
5(*,67(5)25)5((6(59,&(6
5HJLVWHU DV D XVHU RI %HQHIRQ (VF DW ZZZJHQL
PDSFRPDQGJHWDFFHVVWRIUHHEHQHILWVLQFOXGLQJ
DFKRLFHRIIUHH PDSVLQFOXGHGZLWK(VF DQGWKH
+HOSGHVNVHUYLFH7KHIUHHPDSVDUHUHGRZQORDG
DEOHDWQRH[WUDFRVWZLWKLQRQH\HDUIURPUHJLVWUD
WLRQ
5HJLVWUDWLRQGRHVQRWFRVWDQ\WKLQJDQGWKHLQIRU
PDWLRQJLYHQLQUHJLVWUDWLRQLVFRQILGHQWLDO
02%,/(0$36(59,&(
%HQHIRQ(VFLVWKHILUVWQDYLJDWLRQLQVWUXPHQWWR
VXSSRUWWKH*HQLPDS0RELOH0DSVVHUYLFH7KH
SKRQH FDQ EH FRQQHFWHG WR WKH VHUYLFH IRU HDV\
GRZQORDGLQJRIPDSVXVLQJDQ\3&ZLWKDQ,QWHU
QHWEURZVHU
%\ GRZQORDGLQJ WKH PDS RI D JLYHQ ORFDWLRQ WR
WKHLUSKRQHV%HQHIRQ(VFRZQHUVDUHDEOHWRVHH
KRZWKH\WKHPVHOYHVDVZHOODVWKHSHUVRQWKH\DUH
WU\LQJWRUHDFKDUHVLWXDWHGRQWKHPDSDQGWKXVEH
HDVLO\JXLGHGWRWKHLUGHVWLQDWLRQ
7KHVHUYLFHFRYHUVURDGPDSVFLW\PDSVQDXWLFDO
FKDUWV DQG WRSRJUDSKLFDO PDSV IURP DURXQG (X
URSH &KHFN ZZZJHQLPDSFRPIURPWLPHWR
WLPHIRUJHRJUDSKLFDOFRYHUDJHRIPDSVLQRWKHUDU
HDV0DSVDUHSURYLGHGE\*HQLPDSDQGRWKHUOHDG
LQJVXSSOLHUVRIJHRJUDSKLFDOGDWD
+(/3'(6.
$VDUHJLVWHUHGXVHU\RXDUHDXWKRUL]HGWRXVH+HOS
GHVNVHUYLFHV<RXFDQJHWDVVLVWDQFHLQXVLQJWKH
SKRQH DQG PDSV XVDJH OLPLWDWLRQV -XVW VHOHFW
+HOSGHVNIURPWKH*60PHQXDQGDQH[SHUWKHOS
GHVNRSHUDWRUZLOOFDOO\RXLQDIHZPLQXWHV

,1752'8&7,216$)(7<$1'35(&$87,216
025(6(59,&(672&20(
&KHFN ZZZEHQHIRQFRP SHULRGLFDOO\ IRU WLSV
DERXWORFDWLRQEDVHGVHUYLFHV
)RUVHUYLFHSURYLGHUV
1(:/2&$7,216(59,&(6
%HQHIRQ(VFXWLOL]HV0RELOH3KRQH7HOHPDWLFV3UR
WRFRO 0373 DQG 0RELOH 0DSV 6HUYLFH 3URWRFRO
0063ZKLFKSURYLGHDVRSKLVWLFDWHGVHWRI
WHOHPDWLFVFRPPDQGVDQGDPDSSURWRFROIRUVHU
YLFHLQWHJUDWRUVDQGSURYLGHUVWREXLOGDQGSURYLGH
ORFDWLRQEDVHGYDOXHDGGHGVHUYLFHVIRUFRQVXPHUV
DQG EXVLQHVVHV 0373 PDNHV LW SRVVLEOH WR VHQG
SRVLWLRQWUDFNLQJDQGURXWHPHVVDJHVEHWZHHQVHU
YLFHFHQWHUDQG0373HQDEOHGWHUPLQDOVE\XVLQJ
606)RULQIRUPDWLRQDQGVSHFLILFDWLRQVYLVLW%HQH
IRQ(VF3DUWQHUV$UHDDWZZZEHQHIRQFRP
6$)(7<$1'35(&$87,216
*HQHUDO
7KHSKRQH PD\FDXVH 79RU UDGLRLQWHUIHUHQFHLI
XVHG LQ FORVH SUR[LPLW\ WR UHFHLYLQJ HTXLSPHQW
7KH)&&FDQUHTXLUH\RXWRVWRSXVLQJWKHSKRQH
LIVXFKLQWHUIHUHQFHFDQQRWEHHOLPLQDWHG
9HKLFOHVXVLQJOLTXHILHGSHWUROHXPJDVVXFKDV
SURSDQHRUEXWDQHPXVWFRPSO\ZLWKWKH1DWLRQDO
)LUH3URWHFWLRQ6WDQGDUG1)3$)RUDFRS\RI
WKLVVWDQGDUGFRQWDFWWKH1DWLRQDO)LUH3URWHFWLRQ
$VVRFLDWLRQ 2QH %DWWHU\PDUFK 3DUN 4XLQF\ 0$
$WWQ3XEOLFDWLRQ6DOHV'LYLVLRQ
5RDGWUDIILF7KHUHDUHUHDVRQVWREHFRQFHUQHG
DERXW WUDIILF VDIHW\ ZKHQ XVLQJ D PRELOH SKRQH
RU RWKHU VLPLODU LQVWUXPHQW ZKLOH GULYLQJ D
PRWRUYHKLFOH:KLOHWKHDFWXDOULVNYDULHVJUHDWO\
DFFRUGLQJ WRWKHFRQGLWLRQVDQGWKHGULYHULW LV
DGYLVDEOHWRVWULFWO\DGKHUHWRDOOHYHQWXDO(XUR
SHDQ DQG QDWLRQDO OHJLVODWLRQ DQG DOVR KRQRXU
RWKHUHYHQWXDOVDIHW\UHFRPPHQGDWLRQV,WLVVSH
FLILFDOO\DGYLVDEOHWRLQVWDOODQGXVHDKDQGVIUHH
RSHUDWLQJV\VWHPLQDFDUIRUPLQLPL]LQJWKHGLV
WUDFWLRQIURPXVLQJWKHSKRQH:KHQUHFHLYLQJD
FDOOLQDQDZNZDUGGULYLQJVLWXDWLRQ\RXVKRXOG
DOZD\V SXW VDIHW\ EHIRUH RWKHU SULRULWLHV DQG

,1752'8&7,216$)(7<$1'35(&$87,216
FRXUWHV\ ,I \RX IHHO XQFRPIRUWDEOH DERXW XVLQJ
DQLQVWUXPHQWZKLOHGULYLQJ\RXVLPSO\VKRXOG
QRWXVHLW
([WHUQDODOHUW8VHRIWKHDOHUWGHYLFHWRRSHUDWH
DYHKLFOHVOLJKWVRUKRUQRQSXEOLFURDGVLVQRW
SHUPLWWHG
&KLOGUHQ .HHS \RXU SKRQH DQG LWV DFFHVVRULHV
DZD\IURPVPDOOFKLOGUHQWRDYRLGFDXVLQJLQMXU\
WRWKHPVHOYHVRURWKHUV'DPDJHWRWKHSKRQHRU
LWVDFFHVVRULHVLVDOVRWKXVDYRLGHG
3RZHUVXSSOLHV7KLVHTXLSPHQWLVLQWHQGHGIRU
XVHZLWKWKHIROORZLQJSRZHUVXSSOLHVEDWWHULHV
%%/1DQG%%/3PDLQVFKDUJHU
&0$ZLWKFDEOH)0&DQGFLJDUHWWH
OLJKWHU FKDUJHU &&6$Q\RWKHU XVDJH ZLOO
LQYDOLGDWHDQ\DSSURYDOJLYHQWRWKLVDSSDUDWXV
DQGPD\EHGDQJHURXV2QO\XVHDSSURYHGEDW
WHULHVDQWHQQDVDQGFKDUJHV7KHXVHRIDQ\
XQDXWKRUL]HGDFFHVVRULHVPD\EHGDQJHURXVDQG
YRLGV WKH SKRQH ZDUUDQW\ LI VDLG DFFHVVRULHV
FDXVHGDPDJHRUDGHIHFWWRWKHSKRQH
2WKHU DFFHVVRULHV$Q\RWKHUDFFHVVRULHVXVHG
VKRXOGDOVREHDSSURYHGE\WKHSKRQHPDQXIDF
WXUHU&KHFNWKHFRPSDWLELOLW\RIQHZSRZHUVXS
SO\XQLWVDQGRWKHUDFFHVVRULHVDWWKHGHDOHU
0DJQHWLF ILHOGV %HQHIRQ (VF FRQWDLQV VPDOO
PDJQHWLF FRPSRQHQWV (YHQ WKRXJK WKH PDJ
QHWLF ILHOGV RI WKH FRPSRQHQWV DUH ZHDN WKH\
PLJKWGDPDJHPDJQHWLFFDUGVVXFKDVEDQNDQG
FUHGLWFDUGV:HUHFRPPHQGWKDW\RXNHHS\RXU
PRELOHSKRQHDZD\IURPPDJQHWLFFDUGV
5DGLRIUHTXHQF\5)HQHUJ\
7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRP
SO\ZLWKWKHOLPLWVIRUD&ODVV%GLJLWDOGHYLFHSXU
VXDQWWR3DUWRIWKH)&&5XOHV7KHVHOLPLWVDUH
GHVLJQHGWRSURYLGHUHDVRQDEOHSURWHFWLRQDJDLQVW
KDUPIXOLQWHUIHUHQFHLQDUHVLGHQWLDOLQVWDOODWLRQ
7KLVHTXLSPHQWJHQHUDWHVXVHVDQGFDQUDGLDWHUD
GLRIUHTXHQF\HQHUJ\DQGLIQRWLQVWDOOHGDQGXVHG
LQ DFFRUGDQFH ZLWK WKH LQVWUXFWLRQV PD\ FDXVH
KDUPIXOLQWHUIHUHQFHWRUDGLRFRPPXQLFDWLRQV
+RZHYHUWKHUHLVQRJXDUDQWHHWKDWLQWHUIHUHQFH
ZLOOQRWRFFXUHLQD SDUWLFXODULQVWDOODWLRQ,I WKLV
HTXLSPHQWGRHVFDXVHKDUPIXOLQWHUIHUHQFHWRUD
GLR RU WHOHYLVLRQ UHFHSWLRQ ZKLFK FDQ EH GHWHU
PLQHG E\ WXUQLQJ WKH HTXLSPHQW RII DQG RQ WKH
XVHULVHQFRXUDJHGWRWU\WRFRUUHFWWKHLQWHUIHU
HQFHE\RQHRUPRUHRIWKHIROORZLQJPHDVXUHV
5HRULHQWRUUHORFDWHWKHUHFHLYLQJDQWHQQD

,1752'8&7,216$)(7<$1'35(&$87,216
,QFUHDVHWKH VHSDUDWLRQEHWZHHQ WKHHTXLSPHQW
DQGUHFHLYHU
&RQQHFW WKH HTXLSPHQW LQWR RXWOHW RQ D FLUFXLW
GLIIHUHQWIURPWKDWWRZKLFKWKHUHFHLYHULVFRQ
QHFWHG
&RQVXOWWKHGHDOHURUDQH[SHULHQFHGUDGLR79
WHFKQLFLDQIRUKHOS
$Q\ FKDQJHV RU PRGLILFDWLRQV WR \RXU SKRQH QRW
H[SUHVVO\ DSSURYHG LQ WKLV GRFXPHQW FRXOG YRLG
\RXUZDUUDQW\IRUWKLVHTXLSPHQWDQGYRLG\RXUDX
WKRULW\WRRSHUDWHWKLVHTXLSPHQW
$LUFUDIWV7XUQ\RXU SKRQHRIIEHIRUH ERDUGLQJ
DQ\ DLUFUDIW DQG GR QRW XVH WKH SKRQH ZKLOH LQ
WKH DLU $OVR PDNH VXUH WKDW WKH DXWRPDWLF
SRZHU RQ RU DODUP FORFN IXQFWLRQV ZLOO QRW
DFWLYDWHWKH SKRQHGXULQJ WKH IOLJKW %HVLGHV
EHLQJLOOHJDOWKHXVHRIDPRELOHSKRQHLQDQDLU
FUDIWPD\HQGDQJHUWKHRSHUDWLRQRIWKHDLUFUDIW
RUGLVUXSWWKHPRELOHQHWZRUN)DLOXUHWRFRPSO\
ZLWK WKLVLQVWUXFWLRQPD\ OHDGWR VXVSHQVLRQRU
GHQLDORIPRELOHSKRQHVHUYLFHVDQGSRVVLEO\
HYHQOHJDODFWLRQ
+RVSLWDOV7XUQ\RXUSKRQHRIIEHIRUHHQWHULQJ
KRVSLWDOV RU RWKHU KHDOWK FDUH IDFLOLWLHV ZKHUH
PHGLFDO HOHFWURQLF HTXLSPHQW PD\ EH LQ XVH
6XFKGHYLFHVDUHH[WUHPHO\VHQVLWLYHWRUDGLRIUH
TXHQF\ LQWHUIHUHQFH 2QO\ XVH WKH SKRQH ZLWK
SHUPLVVLRQDQGXQGHULQVWUXFWLRQRIWKHKRVSLWDO
VWDII
0HGLFDO GHYLFHV 5HPHPEHU WKDW DQ\ SHUVRQDO
PHGLFDO GHYLFHV VXFK DV KHDULQJ DLGV RU SDFH
PDNHUVPD\EHDIIHFWHGE\5)HQHUJ\LIWKH\DUH
QRW DGHTXDWHO\ VKLHOGHG &RQVXOW WKH PDQXIDF
WXUHURUYHQGRURIWKHHTXLSPHQWWRGHWHUPLQH
WKHSURSHUVKLHOGLQJ
([SORVLYHDWPRVSKHUHV7XUQ RIIWKH SKRQH DW
UHIXHOOLQJSRLQWVHJ JDVVWDWLRQV$OVR REVHUYH
UHVWULFWLRQV RQ WKH XVH RI UDGLR HTXLSPHQW LQ
IXHO GHSRWV FKHPLFDO SODQWV RU ZKHUH EODVWLQJ
RSHUDWLRQVDUH LQSURJUHVVEHFDXVHUHPRWHFRQ
WURO 5) GHYLFHV DUH RIWHQ XVHG WR VHW RII H[SOR
VLYHV
2WKHU HOHFWURQLFDO HTXLSPHQW8VLQJWKH
SKRQH PD\ FDXVH LQWHUIHUHQFH ZLWK D YHKLFOHV
HOHFWURQLF HTXLSPHQW LI LW LV QRW DGHTXDWHO\
VKLHOGHG&RQVXOWWKH PDQXIDFWXUHURUWKHYHKL
FOHVHOOHUWRGHWHUPLQHWKHSURSHUVKLHOGLQJ
&RPSXWHUV5HPHPEHUWKDWXVLQJWKHSKRQH
FORVH WR D FRPSXWHU PD\ FDXVH LQWHUIHUHQFH
:KHQXVLQJ\RXUSKRQHQHDUVXFKHTXLSPHQW
NHHSDGLVWDQFHRIDERXWRQHPHWHU

,1752'8&7,216$)(7<$1'35(&$87,216
%RG\SDUWV:KHQWKHSKRQHLVLQRSHUDWLRQGR
QRWWRXFKWKHDQWHQQDZLWKH\HVPRXWKRUEDUH
VNLQWRJXDUDQWHHSURSHUIXQFWLRQ
$OZD\VIROORZWKHFRXQWU\VSHFLILFUHJXODWLRQVDS
SOLFDEOHWRZKHUH\RXDUHXVLQJWKHSKRQH
%RG\:RUQ2SHUDWLRQ
)RUERG\ZRUQRSHUDWLRQWKLVSKRQHKDVEHHQWHVW
HGDQGPHHWVWKH)&&5)H[SRVXUHJXLGHOLQHV
ZKHQXVHGZLWKWKH%HQHIRQDFFHVVRULHVVXSSOLHG
RUGHVLJQDWHGIRUWKLVSURGXFW8VHRIRWKHUDFFHV
VRULHVPD\QRWHQVXUHFRPSOLDQFHZLWK)&&5)H[
SRVXUHJXLGHOLQHV
)RUPRUHLQIRUPDWLRQDERXW5)H[SRVXUHSOHDVH
YLVLWWKH)&&ZHEVLWHDWZZZIFFJRY
6SHFLILF$EVRUSWLRQ5DWH6$5IRU
:LUHOHVV3KRQHV
7KHH[SRVXUHVWDQGDUGIRUZLUHOHVVPRELOHSKRQHV
HPSOR\VDXQLWRIPHDVXUHPHQWNQRZQDVWKH6SH
FLILF$EVRUSWLRQ5DWHRU6$57KH6$5OLPLWVHW
E\WKH)&&LV:NJ7KLV6$5LVYDOXHWKDW
FRUUHVSRQGV WR WKH UHODWLYH DPRXQW RI 5) HQHUJ\
DEVRUWHGLQWKHKHDGRIDXVHURIDZLUHOHVVKDQG
VHW
7KH6$5YDOXHRIDSKRQHLVWKHUHVXOWRIDQH[WHQ
VLYH WHVWLQJ PHDVXULQJ DQG FDOFXODWLRQ SURFHVV
7HVWVIRU6$5DUHFRQGXFWHGXVLQJVWDQGDUGRSHUDW
LQJSRVLWLRQVDFFHSWHGE\WKH)&&ZLWKWKHSKRQH
WUDQVPLWWLQJDWLWVKLJKHVWFHUWLILHGSRZHUOHYHOLQ
DOOWHVWHGIUHTXHQF\EDQGV$OWKRXJKWKH6$5LVGH
WHUPLQHGDWWKHKLJKHVWFHUWLILHGSRZHUOHYHOWKH
DFWXDO6$5OHYHORIWKHSKRQHZKLOHRSHUDWLQJFDQ
EHZHOOEHORZWKHPD[LPXPYDOXH7KLVLVEHFDXVH
WKHSKRQHLVGHVLJQHGWRRSHUDWHDWPXOWLSOHSRZ
HUOHYHOVVRDVWRXVH RQO\WKHSRZHUUHTXLUHG WR
UHDFKWKHQHWZRUN,QJHQHUDOWKHFORVHU\RXDUHWR
DZLUHOHVVEDVHVWDWLRQDQWHQQDWKHORZHUWKHSRZ
HURXWSXW:KLOHWKHUHPD\EHGLIIHUHQFHVEHWZHHQ
WKH6$5OHYHOVRIYDULRXVSKRQHVDQGDWYDULRXVSR
VLWLRQVWKH\DOOPHHWWKHJRYHUQPHQWUHTXLUPHQW
$OOSKRQHVPXVWPHHWWKHIHGHUDOVWDQGDUGZKLFK
LQFRUSRUDWHVDVXEVWDQWLDOPDUJLQRIVDIHW\$VVWDW
HGDERYHYDULDWLRQVLQ6$5YDOXHVEHWZHHQGLIIHU
HQWPRGHOSKRQHVGRQRWPHDQYDULDWLRQVLQVDIHW\
)&&5DGLR)UHTXXHQF\(PLVVLRQ
7KLVSKRQHPHHWVWKH)&&5DGLR)UHTXHQF\(PLV
VLRQ *XLGHOLQHV )&& ,' QXPEHU 4)37*3$(
0RUHLQIRUPDWLRQRQWKHSKRQH·V6$5FDQEHIRXQG
IURPWKHIROORZLQJ)&&ZHEVLWH
KWWSZZZIFFJRYRHWIFFLG

,1752'8&7,216$)(7<$1'35(&$87,216
*36DQGPDSGDWD
7KH*OREDO3RVLWLRQLQJ6\VWHP*36LVRSHUDWHG
E\WKHJRYHUQPHQWRIWKH8QLWHG6WDWHVZKLFKLV
VROHO\UHVSRQVLEOHIRULWVDFFXUDF\DQGPDLQWH
QDQFH7KHV\VWHPLVVXEMHFWWRFKDQJHVWKDW
FRXOGDIIHFWWKHDFFXUDF\DQGSHUIRUPDQFHRIDOO
*36HTXLSPHQW
*36VLJQDOVDUHZHDNDQGGRQRWSHQHWUDWHVROLG
REMHFWV VXFK DV SHRSOH EXLOGLQJV URFNV RU
KHDY\ WUHH FRYHU 7KLV PD\ DIIHFW *36 UHFHLYHU
SHUIRUPDQFH LQGRRUV LQ XUEDQ DUHDV ZLWK WDOO
EXLOGLQJVRUZKHQHYHUWKH*36DQWHQQDGRHVQ·W
KDYHDQXQREVWUXFWHGYLHZRIWKHVN\
5RDGZD\V DQG RWKHU PDS GDWD DUH FRQVWDQWO\
EHLQJ PRGLILHG VR WKH PDSV LQ \RXU %HQHIRQ
(VFPD\QRWDOZD\VUHIOHFWWKHODWHVWFKDQJHV1R
ZDUUDQW\ H[SUHVV RU LPSOLHG LV JLYHQ IRU FRP
SOHWHQHVV RU DFFXUDF\ RI WKH PDS GDWD LQ WKLV
SURGXFW
%HQHIRQ(VFVXSSRUWVVRPHWKLUGSDUW\VHUYLFHV
VXFK DV WKH 5HTXHVW URXWHDQG5HTXHVW VHUYLFH
IHDWXUHV%HQHIRQLVQRWUHVSRQVLEOHIRUWKHFRQ
WHQWDQGDFFXUDF\RIVXFKVHUYLFHV
3ULYDF\
8VLQJ VRPH RI %HQHIRQ (VF·V IHDWXUHV VXFK DV
5HTXHVW URXWHDQG5HTXHVW VHUYLFH PD\ UHYHDO
\RXUSRVLWLRQWRDVHUYLFHSURYLGHU
$OO )ULHQG )LQGIXQFWLRQVUHTXLUHDXWKRUL]DWLRQ
VRRQO\SHRSOH\RXKDYHVSHFLILFDOO\DXWKRUL]HG
FDQOHDUQ\RXUSRVLWLRQ
(PHUJHQF\FDOOVDQGPHVVDJHV
%HQHIRQ(VFLVDQGDLGDQGVKRXOGQHYHUEHUHOLHG
XSRQDVDQRQO\HPHUJHQF\GHYLFH,WVIXQFWLRQDOLW\
LVGHSHQGHQWRQ *60QHWZRUN DQG*36VDWHOOLWHV
ZKLFKPD\QRWEHDYDLODEOHDWDOOWLPHV
7KHXQLTXHFRPELQDWLRQRI*60DQG*36IHDWXUHV
GRHVKRZHYHU PDNH%HQHIRQ (VFKHOSIXO LQXU
JHQFLHVDVORQJDVRQHGRHVQRWGHSHQGRQH·VOLIH
RQLW
6SODVKSURRIQHVV
%HQHIRQ(VFLVVSODVKSURRIRQO\ZKHQWKHEDWWHU\
DQG LWV UXEEHU VHDO KDYH EHHQ SURSHUO\ DWWDFKHG
(YHQWKHQWKHSKRQHPXVWQRWEHLPPHUVHGLQOLT
XLG

48,&.67$57:+$772'2),567
48,&.67$57
:+$772'2),567
,QVHUWLQJWKH6,0FDUG
)LUVWUHPRYHWKHEDWWHU\
6OLGHWKH6,0FDUGKROGHUWRWKHULJKW/LIWWKH
KROGHULQWRDQXSULJKWSRVLWLRQ
,QVHUWWKHFDUGLQWRWKHKROGHU&KHFNWKDWWKH
FXWFRUQHULVDWWKHORZHUOHIWFRUQHURIWKH
KROGHU

48,&.67$57:+$772'2),567
&ORVH WKH KROGHU E\ SXVKLQJ LW WRZDUGV WKH
SKRQH6OLGHWKHKROGHUEDFNWRWKHOHIWXQWLOLW
ORFNV
$IWHU LQVHUWLQJ WKH 6,0 FDUG ILW WKH EDWWHU\ EDFN
LQWRSODFH
,QVHUWLQJWKHUXEEHUVHDO
,QVWDOOLQJWKHUXEEHUVHDOLVRSWLRQDO3OHDVHQRWH
KRZHYHUWKDWWKHSKRQHLVVSODVKSURRIRQO\ZKHQ
WKHUXEEHUVHDOLVLQVHUWHGFRUUHFWO\LQWKHSKRQH
)LUVWPDNHVXUHWKDWWKHEDWWHU\KDVEHHQUHPRYHG
3ODFHWKHUXEEHUVHDOVRWKDWLWOLHVLQWKHERW
WRPRIWKHEDWWHU\KROH
)LWWKHUXEEHUWDELQWRWKHUHFHVVLQWKHXSSHU
OHIWFRUQHU
&DS 5XEEHUWDE

48,&.67$57:+$772'2),567
/LIWWKHFDSRQWKHWRSRIWKHUXEEHUWDE
)LWWKHEDWWHU\LQWRSODFHDVGHVFULEHGLQWKH
QH[WFKDSWHU7KHLGHDLVWKDWWKHEDWWHU\ZLOOEH
VHFXUHO\IDVWHQHGLQWKHEDWWHU\KROH
)LQDOO\VWXIIWKHERWWRPFRYHULQWRWKHERWWRP
FRQQHFWRU VR WKDW WKHFRYHU ZLOO EH ILUPO\ VH
FXUHGDURXQGWKHFRQQHFWRU
)LWWLQJWKHEDWWHU\
3ODFHWKHERWWRPRIWKHEDWWHU\LQWRWKHVPDOO
KROORZVDWWKHERWWRPRIWKHSKRQH
3XVKWKHEDWWHU\WRZDUGVWKHUHDURIWKHSKRQH
XQWLOLWORFNVLQWRSODFH
%RWWRPFRYHU
%RWWRP
FRQQHFWRU

48,&.67$57:+$772'2),567
5HPRYLQJWKHEDWWHU\
3XVKWKHUHOHDVHFDWFKGRZQZDUGV
3XOOWKHEDWWHU\FDUHIXOO\DZD\IURPWKHUHDURI
WKHSKRQH
,QLWLDOL]LQJWKHSKRQH
%HIRUHVWDUWLQJWRXVHWKHSKRQHIRUWKHILUVWWLPH
SOHDVHQRWHWKHIROORZLQJ
7KH EDWWHU\ RI WKH SKRQH VKRXOG EH FKDUJHG
RYHUQLJKW EHIRUH WDNLQJ WKH SKRQH LQWR XVH IRU
WKHILUVWWLPH
7KHEDWWHU\ZLOOUHDFKLWVIXOOFDSDFLW\RQO\DIWHUD
FRXSOHRIFKDUJLQJGLVFKDUJLQJWLPHV
,I WKH SKRQH LV NHSW LQ VWRUDJH ZLWK LWV EDWWHU\
UHPRYHG IRU D SURORQJHG SHULRG RI WLPH WKH
SKRQH·V LQWHUQDO PHPRU\ EDFNXS EDWWHU\ PLJKW
EHGLVFKDUJHG,WPD\FDXVHWKDWWKHSRZHURIWKH
SKRQHZLOOQRWWXUQRQ,QWKLVFDVHFKDUJLQJWKH
EDWWHU\QRUPDOO\ZLOOIL[WKHSUREOHP
7XUQLQJWKHSKRQHRQ
3UHVVWKHSRZHUEXWWRQIRUDERXWWZRVHF
RQGVWRWXUQWKHSKRQHRQ,IWKH6,0FDUGLV
QRWLQVHUWHGWKHSKRQHZLOOSURPSW\RXWRLQ
VHUWLW7XUQWKHSKRQHRIIDQGLQVHUWWKHFDUG
(QWHUWKH3,1FRGHLIWKHSKRQHSURPSWVIRULW
,I \RX PDNH D PLVWDNH SUHVV &/($5 WR UH
PRYHWKHZURQJGLJLWV:KHQWKHFRUUHFW3,1
FRGHKDVEHHQNH\HGLQSUHVV2.

48,&.67$57:+$772'2),567
(QWHUWKHSKRQHFRGHLIWKHSKRQHSURPSWVIRU
LW :KHQ WKH SKRQH FRGH KDV EHHQ NH\HG LQ
SUHVV2.
7KHDEEUHYLDWLRQVRIWKHFRXQWU\DQGQHWZRUN
RSHUDWRUDUHGLVSOD\HGLPPHGLDWHO\RUDIWHUWKH
6HDUFKLQJIRUQHWZRUNVPHVVDJH(6&ORJR
WLPH GDWH DQG VRPH V\PEROV DUH DOVR GLV
SOD\HG,I\RXDUHRXWVLGHWKHQHWZRUN·VFRYHU
DJHDUHDWKHPHVVDJH6HDUFKLQJIRUQHWZRUNV
ZLOOUHPDLQLQWKHGLVSOD\DQG\RXFDQQRWPDNH
RUUHFHLYHFDOOV
7KH SRZHU ZLOO DOVR WXUQ RQ ZKHQ WKH SKRQH LV
FRQQHFWHGWRDFKDUJHURUZKHQWKHWLPHURSWLRQV
3RZHU21WLPHURU$ODUPFORFNDUHVHWRQ
7XUQLQJWKHSKRQHRII
3UHVVDQGKROGWKHSRZHUEXWWRQGRZQIRUD
FRXSOHRIVHFRQGVWRWXUQWKHSKRQHRII
7KHSRZHUZLOODOVRWXUQRIIZKHQWKHEDWWHU\LV
FRPSOHWHO\HPSW\RUZKHQWKHWLPHURSWLRQ3RZHU
2))WLPHULVVHWRQ
&KDQJLQJWKHODQJXDJH
:KHQWKHPHQXODQJXDJHLVVHWWR$XWRPDWLFWKH
ODQJXDJHLVFKRVHQDFFRUGLQJWR\RXU6,0FDUG·V
ODQJXDJHSUHIHUHQFH,QFDVHWKHLQIRUPDWLRQLVQRW
DYDLODEOHDGHIDXOWODQJXDJHVHWWLQJLVXVHG
2QFH \RX KDYH WXUQHG \RXU SKRQH RQ \RX FDQ
FKDQJHWKHODQJXDJHLQWKH0DLQPHQX
3UHVV0(18WRHQWHUWKH0DLQPHQX
6HOHFWWKH6HWWLQJVPHQXZLWKWKHKHOSRIQ
3UHVV6(/(&7
6HOHFWWKH8VHULQWHUIDFHPHQXZLWKWKHKHOSRI
Q3UHVV6(/(&7
(QWHUWKH/DQJXDJHVXEPHQXE\SUHVVLQJ
&+$1*(
6HOHFWWKHGHVLUHGODQJXDJHZLWKWKHKHOSRIQ
3UHVV2.
3UHVVFWRH[LWWKHPHQX

48,&.67$5729(59,(:
29(59,(:
6WDQGE\PRGH
:KHQWKHSKRQHLVWXUQHGRQLWHQWHUVWKHVWDQG
E\PRGHVKRZQEHORZ
7KHRSHUDWRULQIRUPDWLRQFRQVLVWVRIFRXQWU\FRGH
VXFK DV ), DQG QHWZRUN RSHUDWRU¶V QDPH 7KLV
DUHDPD\KROGRWKHULQIRUPDWLRQZKHQDYDOLG6,0
FDUGLVPLVVLQJRUZKHQDQHWZRUNLVPLVVLQJRULV
QRWDYDLODEOH
,1',&$7256
*36LQGLFDWRU
7KH*36LQGLFDWRUFRQVLVWVRIDVDWHOOLWHV\PERODQG
DEDUJUDSK
:KHQWKH*36UHFHLYHULVDFWLYHLHWXUQHGRQ
WKHQXPEHURIEDUVHJPHQWVJLYHVWKHDFFXUDF\RI
SRVLWLRQGHWHUPLQDWLRQLIDQ\
:KHQ WKH *36 UHFHLYHU LV LQDFWLYH LH WXUQHG
RIIQREDUVDUHVKRZQDQGWKHVDWHOOLWHV\PEROLV
JUH\HG
:KHQ WKH*36 UHFHLYHULVDFWLYH DQGVHDUFKLQJ
IRUVDWHOOLWHVWKHVDWHOOLWHV\PEROLVQRUPDOEXW
QREDUVDUHVKRZQ
:KHQWKH*36UHFHLYHULVVOHHSLQJD===V\PERO
LVVKRZQLQVWHDGRIWKHEDUV7KH*36UHFHLYHU
VWDUWVVOHHSLQJGXULQJSRRUVDWHOOLWHFRYHUDJH
DQGZLOODWWHPSWWRFDOFXODWH\RXUSRVLWLRQSHUL
RGLFDOO\RUZKHQUHTXHVWHGWRGRVR
:KHQWKH*36UHFHLYHULVLQ(FRQRP\RU$WLQWHU
1RUPDO
),1(7:25.
*60
LQGLFDWRU
)XQFWLRQV
2SHUDWRU
'LVSOD\
LQGLFDWRUV
'DWH
DQGWLPH
*36
LQGLFDWRU
%DWWHU\
LQGLFDWRU
&XUUHQW
VRXQG
HQYLURQPHQW
0RQGD\
*36
WXUQHG
RQ
*36
WXUQHG
RII
6HDUFKLQJ
IRUSRVLWLRQ
6OHHSLQJ 3RVLWLRQ
IRXQGDW
WKHODWHVW
VHDUFKDW
WHPSW

48,&.67$5729(59,(:
YDOVPRGHDQGLWKDVVHDUFKHGDQGIRXQGSRVL
WLRQ DW WKH ODWHVW DWWHPSW WKH EDUV DUH VKRZQ
JUH\HG
*60LQGLFDWRU
7KH*60LQGLFDWRUFRQVLVWVRIDSKRQHV\PERODQG
DEDUJUDSK
7KH QXPEHU RI EDU VHJPHQWV JLYHV WKH VLJQDO
VWUHQJWKLIDQ\
:KHQWKHSKRQHLVLQVWDQGE\PRGHLHQRFDOO
LVFRPLQJRULQSURJUHVVWKHSKRQHV\PEROLV
VKRZQZLWKKRRNGRZQ
:KHQD FDOOLVLQSURJUHVVWKHSKRQHV\PEROLV
VKRZQZLWKKRRNXS
:KHQWKHSKRQHLVVHDUFKLQJIRUQHWZRUNVRU
RXWVLGH QHWZRUN·V FRYHUDJH DUHD QR EDUV DUH
VKRZQ
:KHQWKH*60LVLQDFWLYHLHWXUQHGRIIQREDUV
DUHVKRZQDQGWKHSKRQHV\PEROLVJUH\HG
:KHQ\RXDUHURDPLQJLHLQDQDUHDRIDQHWZRUN
RWKHUWKDQ\RXURZQWKHKV\PEROLVVKRZQLQWKH
*60LQGLFDWRU
%DWWHU\LQGLFDWRU
7KH EDWWHU\ LQGLFDWRU LV D EDWWHU\ V\PERO ZLWK D
PRYLQJOLTXLGOHYHO
7KH KLJKHU WKH OLTXLG OHYHO WKH PRUH FKDUJH LV
OHIWLQWKHEDWWHU\
:KHQ WKH EDWWHU\ LV EHLQJ FKDUJHG WKH OLTXLG
OHYHOZLOOUHSHDWHGO\ULVHIURPERWWRPWRWRS
6WDQGE\ &DOO 6HDUFKLQJ 1RVHUYLFH )XOO (PSW\ &KDUJLQJ

48,&.67$5729(59,(:
'LVSOD\LQGLFDWRUV
6RPHRIWKHIROORZLQJV\PEROVPD\EHVKRZQLQ
VWDQGE\PRGH
V(QYHORSH 7KLV V\PERO LQGLFDWHV \RX KDYH
UHFHLYHG D QHZ VKRUW PHVVDJH 7KH V\PERO
IODVKHV ZKHQ WKH VKRUW PHVVDJH PHPRU\ LV
IXOO)ODVKLQJDOVRPHDQV\RXFDQQRWUHFHLYH
RUVWRUHDQ\QHZPHVVDJHVXQOHVV\RXILUVW
GHOHWHVRPHROGRQHV
Y7DSH UHFRUGHU 7KLV V\PERO LQGLFDWHV \RX
KDYHUHFHLYHGDQHZYRLFHPDLODQGLWLVZDLW
LQJIRU\RXLQWKH&DOOYRLFHPDLOPHQX9RLFH
PDLOVHUYLFHLVDQHWZRUNIHDWXUH,WGHSHQGV
RQWKHRSHUDWRUZKHWKHU\RXZLOOUHFHLYHDQ
VPVRIWKHYRLFHPDLOZDLWLQJDVZHOO
L$XWRPDWLFSRZHURQ7KHSKRQHZLOODXWRPDW
LFDOO\WXUQLWVHOIRQDWWKHVHWWLPH
R$XWRPDWLFSRZHURII7KHSKRQHZLOODXWRPDW
LFDOO\WXUQLWVHOIRIIDWWKHVHWWLPH
1$XWRPDWLF SRZHU RQRII 6KRZQ ZKHQ ERWK
DXWRPDWLFSRZHURQDQGRIIWLPHUVDUHVHW
N$ODUP FORFN 6KRZQ ZKHQ WKH DODUP FORFN LV
WXUQHGRQ
$OOFDOOVGLYHUWHG6KRZQRQO\ZKHQ'LYHUW DOO
FDOOVRSWLRQLVXVHG,QFRPLQJFDOOVFDQEH
GLYHUWHG WR DQRWKHU SKRQH QXPEHU RU WR D
YRLFHPDLOVHUYLFH7KHW\SHRIVHUYLFHGHSHQGV
RQ\RXUQHWZRUNRSHUDWRU

48,&.67$5729(59,(:
1DYLJDWRUSDJHV
7KH IRXU QDYLJDWRU SDJHV RI %HQHIRQ (VF FDQ EH
XVHGIRU*36QDYLJDWLRQZLWKRUZLWKRXWDPDS
7KH VWDQGE\ PRGH DQG QDYLJDWRU SDJHV FDQ EH
EURZVHG GLUHFWO\ E\ SUHVVLQJ DQG!LQDQ\RI
WKHP7KH\FDQDOVREHDFFHVVHGYLD0DLQPHQX
'DWD RQ WKH QDYLJDWRU SDJHVZLOO QRW EH XSGDWHG
XQOHVV WKH *36 UHFHLYHU KDV EHHQ WXUQHG RQ )RU
IXUWKHULQIRUPDWLRQDERXWWKHQDYLJDWRUSDJHVDQG
WKH*36UHFHLYHUSOHDVHVHHWKHFKDSWHU%ULHIRYHU
YLHZRIQDYLJDWRUXVH
0DSSDJH
,IDPDSLVDYDLODEOH\RXULPPHGLDWHVXUURXQGLQJV
FDQ EH YLHZHG RQ WKH 0DS QDYLJDWRU SDJH $OVR
VKRZQRQWKHPDSDUHYDULRXVQDYLJDWLRQDOV\P
EROVOLNHZD\SRLQWVDQGURXWHV
*XLGHSDJH
7KH*XLGHSDJHLVW\SLFDOO\XVHGZKHQQDYLJDWLQJ
WRDGHVWLQDWLRQZLWKRXWDPDS
3RVLWLRQSDJH
7KH3RVLWLRQSDJHVKRZVYDULRXVGDWDILHOGVUHODWHG
WR\RXUSUHVHQWSRVLWLRQDQGWLPH7KHVWDWXVRILQ
GLYLGXDOVDWHOOLWHVFDQDOVREHYLHZHGRQWKLVSDJH
0RYHPHQWSDJH
7KH0RYHPHQWSDJHVKRZVYDULRXVGDWDILHOGVUHODW
HGWR\RXUPRYHPHQWDQGGHVWLQDWLRQ

48,&.67$5729(59,(:
6SHHG 7LPH
'DWH 7LPH
'DZQ (OHYDWLRQ
&RRUGLQDWHV
6DWHOOLWHV
6SHHG 7LPH
6SHHG 2GRPHWHU
7UDFN %HDULQJ
'HVWLQDWLRQ
1H[W /DVW
(7$QH[W (7$ODVW
0DS
*XLGH 3RVLWLRQ
0RYHPHQW
1RUPDO
),1(7:25.
0RQGD\
3KRQH
VWDQGE\PRGH
!

48,&.67$5729(59,(:
0HQXV
0RVWIHDWXUHVRI%HQHIRQ(6&FDQEHDFFHVVHGYLD
PHQXV7KHUHDUHIRXURIWKHVH0DLQPHQX4XLFN
PHQX DQG *60 DQG *36VSHFLILF PHQXV (DFK
PHQX FRQWDLQV LWV RZQ PHQX LWHPV DQG VXE
PHQXV
:KHQWKHSKRQHLVLQVWDQGE\PRGH\RXFDQDF
FHVVWKHIROORZLQJPHQXV
(QWHUWKH0DLQPHQXE\SUHVVLQJ0(18
(QWHUWKH4XLFNPHQXE\SUHVVLQJQ
(QWHUWKH*60PHQXE\SUHVVLQJ*60
(DFK PHQX KDV D WLWOH DQ LFRQ DQG VRPH PHQX
LWHPV<RXFDQVHOHFWRQHRIWKHVHLWHPVE\KLJK
OLJKWLQJLWZLWKQDQGSUHVVLQJ
<RXFDQH[LWDPHQXE\SUHVVLQJ48,7
0DLQPHQX
7KHPHQXLWHPVRIWKHPDLQPHQXDUH
3KRQHVWDQGE\PRGH
0DSQDYLJDWRUSDJH
*XLGHQDYLJDWRUSDJH
3RVLWLRQQDYLJDWRUSDJH
0RYHPHQWQDYLJDWRUSDJH
$FFHVVRULHV
6HWWLQJV
4XLFNPHQX
7KHPHQXLWHPVRIWKHTXLFNPHQXDUH
/RFNNH\SDG
*36UHFHLYHU
(QYLURQPHQW
3KRQH
0DLQPHQX
0HQXLWHPV
7LWOH
0DS
*XLGH
3RVLWLRQ
0RYHPHQW
$FFHVVRULHV
6HWWLQJV
,FRQ

48,&.67$5729(59,(:
*60PHQX
7KHPHQXLWHPVRIWKH*60PHQXDUH
3KRQHERRN
0HVVDJHV
5HFHQWFDOOV
1HWZRUNVHUYLFHV
+HOSGHVN
*36PHQX
7KH*36PHQXFDQEHDFFHVVHGWKURXJKWKH1DYLJD
WRUSDJHVDVIROORZVLQVWDQGE\PRGHILUVWSUHVVD
VLGHNH\RU!7KHQSUHVV*36
7KHPHQXLWHPVRIWKH*36PHQXDUH
:D\SRLQWV
5RXWHV
)ULHQG)LQG
0DSV
606ZLWKFRRUGV
5HTXHVWVHUYLFH
5HTXHVW$*36
8SGDWHSRVLWLRQ
6NLSURXWHSRLQW
&OHDUGHVWLQDWLRQ
5HVHWPHWHUV
.H\SDG
6FUROONH\
+DQGVHWXS
)XQFWLRQNH\V
3RZHURQRII
$GMXVWPHQW
NH\V
$OSKDQXPHULFNH\V
+DQGVHWGRZQ
+DVKNH\
HPHUJHQF\
EXWWRQ
6WDUNH\

48,&.67$5729(59,(:
3RZHU RQRII 3UHVV DQG KROG WR WXUQ WKH
SKRQHRQRURII
!$GMXVWPHQWNH\V3UHVVWRDGMXVWHDUSLHFHYRO
XPHGXULQJDFDOO%\SUHVVLQJWKHVHNH\V\RX
FDQ DOVR DFFHVV WKH QDYLJDWRU SDJHV IURP
VWDQGE\ PRGH DQG EURZVH WKH QDYLJDWRU
SDJHV
O+DQGVHWXS3UHVVWRPDNHDFDOO
F+DQGVHWGRZQ3UHVVWRGLVFRQQHFWDFDOODQG
WRUHWXUQWRVWDQGE\PRGHDWDQ\WLPH
)XQFWLRQ NH\V 7KH IXQFWLRQ RI WKHVH NH\V
GHSHQGVRQWKHJXLGLQJWH[WVRQWKHERWWRP
OLQHRIWKHGLVSOD\
Q6FUROO NH\ 7KH IXQFWLRQ RI WKLV NH\ GHSHQGV
RQWKHJXLGLQJV\PERORQWKHERWWRPOLQHRI
WKH GLVSOD\ ,W LV XVXDOO\ XVHG IRU VFUROOLQJ
WKURXJKDOLVWRIPHQXLWHPVDQGPRYLQJD
FXUVRURUHQWHULQJWKH4XLFNPHQX
6WDU3UHVVWRJHWDVSDFHFKDUDFWHUZKHQZULW
LQJWH[WRUWR]RRPRXWZKHQYLHZLQJDPDS
3UHVVLQJWKLVNH\IRUILYHVHFRQGVFKDQJHVWKH
ODQJXDJH WR (QJOLVK DQG UHVHWV WKH SKRQH WR
IDFWRU\ LQVWDOOHG VHWWLQJV 7KLVUHVHW GRHVQRW
DIIHFWSKRQH ERRNHQWULHVPDSV DQG QDYLJD
WLRQDOGDWDVXFKDVZD\SRLQWVURXWHVDQG
IULHQGSRLQWV
b+DVK3UHVVWRVZLWFKEHWZHHQXSSHUFDVHOHW
WHUV ORZHU FDVH OHWWHUV DQG QXPEHUV ZKHQ
ZULWLQJ WH[W RU WR ]RRP LQ ZKHQ YLHZLQJ D
PDS 7KLV NH\ LV DOVR QHHGHG ZKHQ XVLQJ
VRPH PHPRU\ IXQFWLRQV DQG QHWZRUN IHD
WXUHV
$OSKDQXPHULF NH\V 3UHVV WR HQWHU QXP
EHUVRUOHWWHUVZKHQZULWLQJWH[W7KHVHNH\V
FDQDOVREHXVHGIRUVFUROOLQJDPDS
$/3+$180(5,&.(<6$1'7
<RXQHHGWKHDOSKDQXPHULFNH\VIRUHQWHULQJWH[W
7UDGLWLRQDOVSHOOLQJPRGH,QWUDGLWLRQDOVSHOO
LQJPRGH\RXJHWWKHILUVWOHWWHURIWKHNH\ZKHQ
SUHVVLQJWKHNH\RQFHWKHVHFRQGOHWWHUZKHQ
SUHVVLQJWKHNH\WZLFHDQGVRRQ:KHQWKHFXU
VRUDSSHDUVWRULJKWRIWKHOHWWHUMXVWHQWHUHG\RX
FDQHQWHUWKHQH[WFKDUDFWHU
7 WH[W LQSXW PRGH<RXFDQDOVRXVHWKH7
WH[WLQSXWWRROVIRUNH\LQJLQWKHOHWWHUV7XUQWKH
7PRGHRQRURIIE\SUHVVLQJZKHQHGLWLQJ
WH[W %\ SUHVVLQJ IRUDIHZVHFRQGVODQ
JXDJHVIRUWKH7DUHDYDLODEOH)RUIXUWKHULQIRU
PDWLRQ DERXW XVLQJ 7 SOHDVH VHH WKH FKDSWHU
0DLQPHQX$FFHVVRULHV1RWHSDG:ULWLQJDQRWH
LQ7PRGH

48,&.67$5729(59,(:
6SHFLDO FKDUDFWHUV %\ SUHVVLQJ IRUDIHZ
VHFRQGV DOOWKH VSHFLDOFKDUDFWHUV DUH DYDLODEOH
<RXPD\VHOHFWDURZRIFKDUDFWHUVZLWKQ DQG
PDNHWKHILQDOVHOHFWLRQE\SUHVVLQJWKHQXPHULF
NH\ZKLFKFRUUHVSRQGVWKHGHVLUHGFKDUDFWHU
&KDUDFWHUIRUPV<RXFDQHQWHUERWKXSSHUFDVH
DQG ORZHU FDVH OHWWHUVDV ZHOO DVQXPEHUV <RX
FDQVZLWFKEHWZHHQWKHPE\SUHVVLQJb:KHQ
XSSHUFDVHOHWWHUVDUHLQXVHWKHV\PERO8 LV
KLJKOLJKWHG LQ WKH XSSHU URZ DQG ZKHQ ORZHU
FDVHOHWWHUVDUHLQXVHWKHV\PERO9LVKLJK
OLJKWHG 7KH DV\PEROLVXVHIXOZKHQZULWLQJ
ZRUGV ZKLFK VWDUW ZLWK D FDSLWDO OHWWHU VR WKDW
\RXGRQRWQHHGWRVZLWFKEHWZHHQWKHXSSHU
FDVHDQGORZHUFDVHOHWWHUV:KHQWKHV\PERO=
LVGLVSOD\HGHQWU\RIDQ\QXPEHULVGLUHFW
6SDFHEDU(QWHUDVSDFHE\SUHVVLQJ
&RUUHFWLRQV,QFDVHRIDPLVVSHOOLQJPRYHZLWK
QWRWKHOHWWHU\RXZLVKWRFRUUHFWDQGSUHVV
&/($53UHVVLQJ&/($5IRUDIHZVHFRQGVZLOO
FOHDUWKHZKROHWH[W
(0(5*(1&<.(<
7KH KDVK NH\ bLVDOVRXVHGDVDQHPHUJHQF\
NH\VRWKDWSUHVVLQJDQGKROGLQJLWIRUILYHVHFRQGV
VWDUWVPDNLQJHPHUJHQF\FDOOVDQGVHQGLQJHPHU
JHQF\PHVVDJHV)RUIXUWKHULQIRUPDWLRQDERXWWKH
HPHUJHQF\NH\SOHDVHVHHWKHFKDSWHU0DLQPHQX
6HWWLQJV(PHUJHQF\FDOOV
3$86($1'68%$''5(66
&+$5$&7(56
7KH KDVK NH\ bFDQEHXVHGIRUNH\LQJLQWKH
SDXVH 3 DQG VXEDGGUHVV 6 FKDUDFWHUV 7KHVH
FKDUDFWHUVFDQEHXVHGLQDSKRQHQXPEHU
,I\RXUDQVZHULQJPDFKLQHKDVDUHPRWHUHWULHYH
IXQFWLRQ \RX FDQ OLVWHQ WR WKH YRLFH PHVVDJHV
OHIWIRU\RXLQ\RXUDQVZHULQJPDFKLQHDWKRPH
)LUVWNH\LQWKHKRPHSKRQHQXPEHU:KHQWKH
OLQH LV FRQQHFWHG NH\ LQ WKH FRGH QXPEHU RI
\RXUDQVZHULQJPDFKLQH:LWKLQDIHZVHFRQGV
\RXZLOOKHDUWKHUHFRUGLQJV,I\RXZLVKWRVWRUH
WKHVWULQJLQWKHSKRQHERRNGRDVIROORZVNH\
LQ \RXU KRPH SKRQH QXPEHU SUHVV WKH bNH\
WZLFHWKHOHWWHU3ZLOOEHGLVSOD\HGDQGNH\LQ
WKHFRGHQXPEHURI\RXUDQVZHULQJPDFKLQH
6WRUHWKHVWULQJLQWKHSKRQHERRNQRUPDOO\)RU
IXUWKHU LQIRUPDWLRQ DERXW VWRULQJ D QXPEHU LQ

48,&.67$5729(59,(:
WKH SKRQH ERRN SOHDVH VHH WKH FKDSWHU *60
PHQX3KRQHERRN6WRULQJDSKRQHQXPEHU
,I\RXZLVKWRPDNHDGLUHFWFDOOWRDQ,6'1VXE
QXPEHURUVWRUHWKHVXEQXPEHULQ\RXUSKRQH
ERRN NH\ LQ WKH VWULQJ DV IROORZV NH\ LQ WKH
PDLQ SKRQH QXPEHU SUHVV WKH bNH\WKUHH
WLPHVWKHOHWWHU6ZLOOEHGLVSOD\HGDQGNH\LQ
WKHVXEQXPEHU

48,&.67$5729(59,(:
&+$5$&7(56$9$,/$%/(
$D %E &F bl cn j d
'G (H )I ep q
*J +K ,L Ï
-M .N /O
0P 1Q 2R fx g| ¡ z
3S 4T 5U 6V
7W 8X 9Y h
:Z ;[ <\ =]

%5,()29(59,(:2)3+21(86(0$.,1*$&$//
%5,()29(59,(:2)
3+21(86(
0$.,1*$&$//
<RXFDQFDOODQXPEHULQVWDQGE\PRGHE\HQWHU
LQJ WKH QXPEHU LQFOXGLQJ WKH DUHD FRGH DQG
SUHVVLQJO7KHWH[W&DOOLQJDQGWKHQXPEHU\RX
DUHFDOOLQJZLOOEHGLVSOD\HGDQGDFDOOZLOOEHVHW
XS
<RXFDQDOVRPDNHDFDOOE\XVLQJWKHSKRQHERRN
TXLFNGLDOOLQJUHGLDOOLQJVKRUWPHVVDJHVRUUHFHQW
FDOOVIXQFWLRQV
,QWHUQDWLRQDOFDOOV
<RXFDQXVHWKHFKDUDFWHUZKHQPDNLQJLQWHUQD
WLRQDOSKRQHFDOOV:KHQWKHFKDUDFWHULVLQXVH
WKHFDOOFHQWUHZLOODXWRPDWLFDOO\VHOHFWWKHFRUUHFW
LQWHUQDWLRQDOSUHIL[
3UHVVIRUDIHZVHFRQGVXQWLOWKHFKDUDFWHU
LVGLVSOD\HG
(QWHUWKHFRXQWU\FRGHWKHDUHDFRGHZLWKRXW
WKHILUVWQXPEHUDQGWKHSKRQHQXPEHU
3UHVVO
,IWKHQHWZRUNRSHUDWRUGRHVQRWLPSOHPHQWWKLV
IXQFWLRQDQG\RXWU\WRPDNHDFDOOE\XVLQJWKH
FKDUDFWHUDPHVVDJH,OOHJDOZLOOEHGLVSOD\HG
<RXFDQDOVRPDNHLQWHUQDWLRQDOFDOOVZLWKRXWWKH
FKDUDFWHUE\PDNLQJWKHFDOODVDQ\FRQYHQWLRQDO
LQWHUQDWLRQDOSKRQHFDOO
5HGLDOOLQJ
7KHODWHVWQXPEHUVGLDOOHGDUHVWRUHGLQWKHUHGLDO
PHPRU\
,QRUGHUWRXVHWKLVIXQFWLRQ\RXQHHGWRWXUQWKH
5HGLDOPHPRU\RSWLRQRQLQWKH0DLQPHQXXQGHU
6HWWLQJVDQG*60

%5,()29(59,(:2)3+21(86(0$.,1*$&$//
3UHVVOWRHQWHUWKHUHGLDOPHPRU\ZKHQWKH
SKRQH LV LQ VWDQGE\ PRGH DQG WKHUH DUH QR
SKRQHQXPEHUVGLVSOD\HG
$OLVWRIUHFHQWRXWJRLQJFDOOVZLOOEHRSHQHG,I
WKHFDOOLVROGHUWKDQKRXUVGDWHZLOOEHGLV
SOD\HGLQVWHDGRIWLPH
8VH QWR VFUROO WKURXJK WKH QXPEHUV ,I WKH
QXPEHUVLQ TXHVWLRQDUHVWRUHGLQWKHSKRQH
ERRNQDPHVZLOOEHGLVSOD\HGLQVWHDGRIQXP
EHUV
3UHVVOWRFDOOWKHQXPEHUGLVSOD\HG<RXFDQ
DOVRFDOOGLUHFWO\WRWKHQXPEHUODVWGLDOOHGE\
SUHVVLQJOO
%\SUHVVLQJ6(/(&7\RXZLOOHQWHUWKHVXE
PHQXZKHUH\RXFDQVWRUHWKHQXPEHURUUH
PRYHLWIURPUHGLDOPHPRU\
8VHQWR VFUROO WKURXJK WKH IXQFWLRQV RI WKH
VXEPHQX DQG SUHVV 2.WRDFFHSW\RXU
FKRLFH3UHVV48,7WRH[LWWKHVXEPHQX
<RXFDQFOHDUDOOQXPEHUVIURPWKHUHGLDOPHP
RU\E\VHOHFWLQJ'HOHWHDOO
3UHVV48,7WRH[LWWKHUHGLDOPHPRU\
Q
O'HOHWHDOO
5HGLDO
%HQHIRQ
-RKQ6ZLUO
PHPRU\
Q
6DYH
5HGLDO
PHPRU\
'HOHWH

%5,()29(59,(:2)3+21(86(5(&(,9,1*$&$//
4XLFNGLDOOLQJ
7KH TXLFN GLDOOLQJ IXQFWLRQ ZRUNV RQ WKH SKRQH
ERRNPHPRU\VORWQXPEHUV
,I\RXZLVKWRPDNHDFDOOE\XVLQJTXLFNGLDOOLQJ
SUHVVWKHGHVLUHGQXPEHUEHWZHHQDQGDQG
KROGLWGRZQIRUDIHZVHFRQGV7KHSKRQHPDNHV
DFDOOWRWKHSKRQHQXPEHUVWRUHGLQWKDWPHPRU\
VORW
,QRUGHUWRXVHWKLVIXQFWLRQ\RXQHHGWRWXUQRQ
WKH4XLFNGLDOOLQJRSWLRQRQLQWKH0DLQPHQXXQ
GHU6HWWLQJVDQG*60$OVRQRWHWKDWWKHGHVLUHG
PHPRU\VORWWKHQXPEHUWRZKLFK\RXDUHFDOOLQJ
FDQQRWEHHPSW\
5(&(,9,1*$&$//
:KHQ\RXUSKRQHUHFHLYHVDFDOOLWULQJVDQGWKH
WH[W&DOOLVFRPLQJLVVKRZQ
,I\RXKDYHVHWWKHSKRQHWREHVLOHQWWKHWH[WZLOO
VWLOOEHVKRZQQRUPDOO\
&DOO/LQH,GHQWLILFDWLRQ&/,
,IWKH&/,3&DOO/LQH,GHQWLILFDWLRQ3UHVHQWDWLRQLV
DFWLYDWHGDVDQHWZRUNIHDWXUHDQG\RXUSKRQHUH
FHLYHVDFDOOWKHQXPEHURIWKHFDOOHULVVKRZQLQ
WKHGLVSOD\
,QVWHDGRIWKHSKRQHQXPEHUWKHQDPHRIWKHFDOO
HULVGLVSOD\HGLI\RXKDYHVWRUHGWKHQDPHDQG
QXPEHULQTXHVWLRQLQWKHSKRQHERRNDQGLIWKH
FDOOHUGRHVQRWKDYHWKH&/,5&DOO/LQH,GHQWLILFD
WLRQ5HVWULFWLRQIHDWXUHLQXVH
7KHVH&/,IHDWXUHVDUHXVXDOO\DFWLYHRQO\ZKHQWKH
SKRQHLVXVHGWRPDNHDQGUHFHLYHGRPHVWLFFDOOV
&DOO
&DOOLQJ
6XVDQ

%5,()29(59,(:2)3+21(86($&7,9(&$//
$QVZHULQJDFDOO
7RDQVZHUSUHVVO,I$Q\NH\DQVZHULVWXUQHG
RQ LQ WKH 0DLQ PHQXXQGHU6HWWLQJVDQG*60
\RX FDQ DOVR DQVZHU E\ SUHVVLQJ b RU
,I\RXGRQRWZLVKWRDQVZHUDQLQFRPLQJFDOO
SUHVVF
<RXFDQDOZD\VWXUQRIIWKHULQJLQJWRQHZLWKRXW
GURSSLQJWKHFDOOE\SUHVVLQJ48,(7
$QVZHULQJZKHQ
WKHNH\SDGLVORFNHG
,I \RX KDYH ORFNHG WKH NH\SDG \RX FDQ DQVZHU
RQO\E\SUHVVLQJO
:LWKWKHNH\SDGORFNHG\RXFDQWXUQRIIWKH
ULQJLQJWRQHE\SUHVVLQJ48,(7
$&7,9(&$//
:KHQDFDOOLVLQSURJUHVVWKHGLVSOD\ZLOOORRNOLNH
WKHRQHEHORZ
7KHQXPEHUWRZKLFK\RXDUHFDOOLQJLVVKRZQRQ
WKHGLVSOD\,IWKHQXPEHULQTXHVWLRQLVVWRUHGLQ
WKH SKRQH ERRN ZLWK D QDPH WKH QDPH ZLOO EH
VKRZQLQVWHDGRIWKHQXPEHU
,I\RXKDYHUHFHLYHGDFDOOWKHUHDUHWZRFDVHV
ZKHQWKHQXPEHURIWKHFDOOHUZLOOQRWEHGLV
SOD\HGLIWKHFDOOHUKDVWKH&/,5&DOO/LQH,GHQWL
ILFDWLRQ 5HVWULFWLRQ IHDWXUH LQ XVH RU LI \RXU
QHWZRUNRSHUDWRU GRHVQRWVXSSO\ WKH&/,3 &DOO
/LQH,GHQWLILFDWLRQ3UHVHQWDWLRQIHDWXUH
:HGQHVGD\
6XVDQ
*60
LQGLFDWRU
1DPHRU
QXPEHU
&DOO
GXUDWLRQ (DUSLHFH
YROXPH

%5,()29(59,(:2)3+21(86($&7,9(&$//
<RX FDQ DGMXVW HDUSLHFH YROXPH GXULQJ D FDOO E\
SUHVVLQJ!DQG+RZHYHUDGMXVWLQJWKHYROXPH
LVQRWSRVVLEOHLIWKHPLFURSKRQHLVPXWHG
$GYDQFHGRSWLRQVGXULQJDFDOO
6HYHUDODGYDQFHGRSWLRQVVXFKDVPXWLQJWKHPL
FURSKRQHPDQDJLQJPXOWLSOHFDOOVDQGDFFHVVLQJ
WKHSKRQHERRNDUHDYDLODEOHGXULQJDFDOO
1(:&$//
8VHWKLVIXQFWLRQWRPDNHDQHZFDOOGXULQJDQDF
WLYH FDOO 7KH FXUUHQWO\ DFWLYH FDOO ZLOO EH SXW RQ
KROG
3UHVV0(18WRDFFHVVWKH&DOOPHQX
8VHQWRVHOHFW1HZFDOO3UHVV6(/(&7
.H\LQWKHGHVLUHGSKRQHQXPEHU,IWKHQXP
EHULVVWRUHGLQWKHSKRQHERRN\RXFDQUHFDOO
LWIURPWKHUHE\SUHVVLQJ6($5&+)RUIXU
WKHULQIRUPDWLRQDERXWXVLQJWKHSKRQHERRN
SOHDVHVHHWKHLQVWUXFWLRQVLQWKHFKDSWHU*60
PHQX3KRQHERRN5HFDOOLQJDSKRQHQXPEHU
:KHQWKHQXPEHUKDVEHHQNH\HGLQSUHVVO
WRLQLWLDWHWKHFDOO
<RXFDQDOVRPDNHDQHZFDOOE\GLDOOLQJWKHQXP
EHUGLUHFWO\ZLWKRXWVHOHFWLQJ1HZFDOOILUVW
$OOFDOOVDUHVKRZQLQWKHDFWLYHFDOOGLVSOD\DQGFDQ
EHVHOHFWHGWKHUHZLWKQ7KHFXUUHQWO\DFWLYHFDOOLV
PDUNHG ZLWK WKH .V\PEROZKLOHKHOGRQHVDUH
PDUNHGZLWK-
&21)(5(1&(&$//
8VHWKLVIXQFWLRQLI\RXZLVKFRPELQHDOOVLPXOWD
QHRXV FDOOV WR D FRQIHUHQFH FDOO 7KLV IXQFWLRQ LV
RQO\DYDLODEOHZKHQDWOHDVWRQHRIWKHFDOOVLVDFWLYH
DQGDQRWKHULVSXWRQKROG
3UHVV0(18WRDFFHVVWKH&DOOPHQX
&RPELQHWKHGHVLUHGFDOOVWRJHWKHUE\XVLQJQ
WRVHOHFW&RQIHUHQFHDQGSUHVV6(/(&7
'HSHQGLQJRQWKHVWDWHRIWKHFRQIHUHQFHFDOO
VRPHRIWKHIXQFWLRQVPD\QRWEHDYDLODEOHHYHQLI
\RXVHOHFWWKHP,QDFDVHOLNHWKDWWKHWH[W1RWDO
ORZHGZLOOEHGLVSOD\HG
6(/(&7,1*$&$//
:KHQWKHUHDUHVHYHUDOVLPXOWDQHRXVFDOOV\RXFDQ
PDNHRQHRIWKHPDFWLYHDVIROORZV

%5,()29(59,(:2)3+21(86($&7,9(&$//
8VHQWRVHOHFWDFDOODQGSUHVV6(/(&7
3UHVV2.WRVHOHFW6HOHFW7KHVHOHFWHGFDOO
ZLOOEHPDGHDFWLYHZKLOHWKHSUHYLRXVO\DFWLYH
FDOOLVSXWRQKROG
<RXFDQDOVRPDNHDFDOODFWLYHGLUHFWO\E\VHOHFWLQJ
LWZLWKQDQGSUHVVLQJO
(1',1*$&$//
8VHQWRVHOHFWDFDOODQGSUHVV6(/(&7
8VHQWRVHOHFW(QGDQGSUHVV2.7KHVH
OHFWHGFDOOZLOOEHHQGHG
3,&.,1*$:$,7,1*&$//
8VHWKLVIXQFWLRQLI\RXZLVKWRSLFNXSDQLQFRP
LQJFDOODQGSXWWKHFXUUHQWO\DFWLYHFDOORQKROG
:KHQDFDOOLVLQSURJUHVVDQG\RXKDYHDQRWKHULQ
FRPLQJFDOOWKHQHWZRUNZLOOQRWLI\\RXRIDFDOO
ZDLWLQJ7KHZDLWLQJFDOOZLOODOVRDSSHDULQWKHDF
WLYHFDOOGLVSOD\DFFRPSDQLHGE\D3V\PERO
7RSLFNXSDZDLWLQJFDOOGRDVIROORZV
8VHQWRVHOHFWWKHZDLWLQJFDOODQGSUHVV6(
/(&7
3UHVV2.WRVHOHFW3LFN7KHZDLWLQJFDOOZLOO
EHPDGHDFWLYHZKLOHWKHSUHYLRXVO\DFWLYHFDOO
LVSXWRQKROG
<RXFDQDOVRSLFNXSDZDLWLQJFDOOGLUHFWO\E\VH
OHFWLQJLWZLWKQDQGSUHVVLQJO
3OHDVHQRWHWKDWLQRUGHUWRXVHWKLVIXQFWLRQWKH
&DOOZDLWLQJRSWLRQPXVWEHWXUQHGRQLQWKH*60
PHQXXQGHU1HWZRUNVHUYLFHV
'5233,1*$:$,7,1*&$//
,I\RXGRQRWZDQWWRSLFNXSDZDLWLQJFDOO\RXFDQ
GURSLWDVIROORZV
8VHQWRVHOHFWWKHZDLWLQJFDOODQGSUHVV6(
/(&7
8VHQWRVHOHFW'URSDQGSUHVV2.7KHZDLW
LQJ FDOO ZLOO EH GURSSHG DQG WKH FDOOHU ZLOO
KHDUDEXV\VLJQDO
087,1*$&$//
3UHVV0(18WRDFFHVVWKH&DOOPHQX
8VHQWRVHOHFW0XWHDQGSUHVV2.&DOOVZLOO
EHPXWHG
0XWLQJFDQODWHUEHWXUQHGRIILQDVLPLODUPDQQHU

%5,()29(59,(:2)3+21(86((1',1*&$//6
&$//0(18
7KH &DOO PHQX LV D VSHFLDO PHQX ZKLFK LV RQO\
DYDLODEOHGXULQJDQDFWLYHFDOO,WSURYLGHVDFFHVVWR
VRPHFRPPRQPHQXVOLNH3KRQHERRN0HVVDJHV
5HFHQW FDOOV &DOO FRVWV &DOHQGDU &DOFXODWRU DQG
1RWHSDG )RU IXUWKHU LQIRUPDWLRQ DERXW XVLQJ
WKHVHPHQXVSOHDVHVHHWKHLQVWUXFWLRQVLQFKDS
WHUV0DLQPHQXDQG*60PHQX
<RXFDQDFFHVVWKH&DOOPHQXGXULQJDFDOOE\SUHVV
LQJ0(18
(1',1*&$//6
7RHQGDFDOOSUHVVF :KHQ WKH FDOO HQGV WKH
*60LQGLFDWRUZLOOUHWXUQWRWKHXVXDOKRRNGRZQ
SRVLWLRQ
3OHDVHQRWHWKDWLIWKHUHDUHVHYHUDOVLPXOWDQHRXV
FDOOVSUHVVLQJFZLOOHQGWKHPDOODWRQFH
(0(5*(1&<&$//6
:LWKD6,0FDUG
:KHQWKH6,0FDUGLVLQVHUWHG\RXFDQPDNHDQ
HPHUJHQF\FDOODVDQRUPDOSKRQHFDOOWRWKHHPHU
JHQF\QXPEHUHJ
:LWKWKHNH\SDGORFNHG\RXFDQVWLOOPDNHDQHPHU
JHQF\FDOOGLUHFWO\E\NH\LQJLQWKHHPHUJHQF\QXP
EHUDQGSUHVVLQJO
,IWKH3,1FRGHLVUHTXHVWHGZKHQWKHSKRQHLV
WXUQHGRQ\RXFDQPDNHDQHPHUJHQF\FDOOZLWK
RXWHQWHULQJDQ\DFFHVVFRGHVDVIROORZV
6HOHFW626
3UHVV2.

%5,()29(59,(:2)3+21(86(,1&20,1*75$)),&
7KLVLVDQRWKHUZD\WRGRLW
6HOHFW626
.H\LQWKHHPHUJHQF\QXPEHUHJ
3UHVV2.RUO
:LWKRXWD6,0FDUG
$QHPHUJHQF\FDOOFDQDOZD\VEHPDGHDVDQ\RWKHU
FDOOHYHQZLWKRXWD6,0FDUGE\NH\LQJLQWKH
HPHUJHQF\ QXPEHU HJ LQ VWDQGE\ PRGH
DQG SUHVVLQJ O 7KLV FDQ EH GRQH GLUHFWO\ HYHQ
ZKHQWKHNH\SDGLVORFNHG
5HPHPEHUWKDWDPRELOHSKRQHFRQQHFWLRQLVQRW
JXDUDQWHHG LQ DOO FRQGLWLRQV 5RXJK WHUUDLQ RU
ODUJH EXLOGLQJV PD\ OLPLW WKH RSHUDWLRQ RI \RXU
SKRQH1HYHUFRPSOHWHO\UHO\RQDPRELOHSKRQH
IRUHVVHQWLDOFRPPXQLFDWLRQV
,1&20,1*75$)),&
%HVLGHVLQFRPLQJFDOOV\RXPD\DOVRUHFHLYHUHJX
ODUVKRUWPHVVDJHVDQGVSHFLDOQDYLJDWLRQUHODWHG
PHVVDJHV )RU IXUWKHU LQIRUPDWLRQ DERXW WKHVH
PHVVDJHVDQGWKHHYHQWVWKDWWDNHSODFHXSRQWKHLU
UHFHLSW SOHDVH VHH WKH FKDSWHUV *60 PHQXDQG
*36PHQX
$Q\WUDIILFWKDW\RXGRQRWKDQGOHDWRQFHZLOOHYHQ
WXDOO\HQGXSLQWKHLQFRPLQJWUDIILFOLVW
(QWHUFRGH
3,1FRGH
_
3UHVV¶2N¶RUGLDO¶¶
7KXUVGD\
(PHUJHQF\FDOO

%5,()29(59,(:2)3+21(86(,1&20,1*75$)),&
8VHQWRVHOHFWLWHPVIURPWKHOLVW
3UHVV48,7WRH[LWWRVWDQGE\PRGH7KHOLVWLV
FOHDUHGDVVRRQDV\RXH[LWLW
8QDQVZHUHGFDOOV-
7R FDOO WKH SKRQH QXPEHU RI WKH XQDQVZHUHG
FDOOSUHVVO
7RVDYHWKHSKRQHQXPEHUSUHVV6$9(
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*60PHQX5HFHQWFDOOV8QDQVZHUHGFDOOV
6KRUWPHVVDJHVV
7RUHDGWKHPHVVDJHSUHVV6(/(&7
%\ VFUROOLQJZLWKQ \RXDUH DEOHWRUHDG WKH
ZKROHPHVVDJH
7RSURFHVVWKHPHVVDJHSUHVV6(/(&7
<RXKDYHVHYHUDORSWLRQVWRFKRRVHIURPVXFK
DVUHSO\LQJWRWKHPHVVDJHRUGHOHWLQJLW
6HOHFWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
6(/(&7
3UHVV48,7ZKHQ\RXDUHILQLVKHG
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*60PHQX0HVVDJHV,QER[
:D\SRLQWVT
$ZD\SRLQWFDQEHUHFHLYHGDVDPHVVDJHIURPDQ
RWKHU%HQHIRQ(6&SKRQH
7RYLHZWKHZD\SRLQWRQPDSSUHVV6(/(&7
<RXZLOOVHHDPDSZLWKWKHZD\SRLQWLQLWVFHQ
WHU
8VHDQGbWR]RRPLQDQGRXW
1RUWKILHOG+
7XHVGD\
6KRUW
PHVVDJH
)ULHQG)LQG
XSGDWH
8QDQVZHUHG
FDOO
)ULHQG)LQG
UHTXHVW
6ZLUO6DP
5ROOLQJ.LP
'HILOH0LNH
6ZLUO6XVDQ
:D\SRLQW
5RXWH
0HDGRZ6
5RFNIHOG7RP

%5,()29(59,(:2)3+21(86(,1&20,1*75$)),&
8VHDQGWR
VFUROOWKHPDS
7RSURFHVVWKHZD\SRLQWVSUHVV6(/(&7
<RXKDYHVHYHUDORSWLRQVWRFKRRVHIURPVXFK
DVVHWWLQJZD\SRLQWVRUGHOHWLQJWKHP
6HOHFWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
2.
3UHVV48,7ZKHQ\RXDUHILQLVKHG
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*36PHQX:D\SRLQWV
5RXWHVE
$URXWHDQGLWVZD\SRLQWVFDQEHUHFHLYHGDVRQHRU
PRUHPHVVDJHVIURPDQRWKHU%HQHIRQ(6&SKRQH
7RYLHZWKHURXWHRQPDSSUHVV6(/(&7
<RXZLOOVHHDPDSZLWKWKHILUVWZD\SRLQWRI
WKHURXWHLQLWVFHQWHU
8VHDQGbWR]RRPLQDQGRXW
8VHDQGWR
VFUROOWKHPDS
8VHQWRWUDFHWKHURXWHRQHZD\SRLQWDWDWLPH
7RSURFHVVWKHURXWHVSUHVV6(/(&7
<RXKDYHVHYHUDORSWLRQVWRFKRRVHIURPVXFK
DVVHWWLQJURXWHVRUGHOHWLQJWKHP
6HOHFWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
2.
3UHVV48,7ZKHQ\RXDUHILQLVKHG
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*36PHQX5RXWHV
)ULHQG)LQGXSGDWHVXP
$)ULHQG)LQGXSGDWHPD\EHHLWKHUDSRVLWLRQXS
GDWHRUDWUDFNLQJXSGDWH
$SRVLWLRQXSGDWHUHIUHVKHVWKHSRVLWLRQRIDIULHQG
SRLQWLQ\RXUSKRQH$WUDFNLQJXSGDWHZRUNVVLP
LODUO\ EXW LW LV D SDUW RI D VHULHV RI XSGDWHV LH
WUDFNLQJ 2QO\ WKH ODWHVW XSGDWH IURP D SKRQH LV
VKRZQLQWKHLQFRPLQJWUDIILFOLVW
7RYLHZWKHXSGDWHSUHVV6(/(&7
<RXZLOOVHHDPDSZLWKWKHXSGDWHGSRVLWLRQ
LQLWVFHQWHU
8VHDQGbWR]RRPLQDQGRXW

%5,()29(59,(:2)3+21(86(86(:,7+287$6,0&$5'
8VHDQGWR
VFUROOWKHPDS
7RSURFHVVWKHIULHQGSRLQWVSUHVV6(/(&7
<RXKDYHVHYHUDORSWLRQVWRFKRRVHIURPVXFK
DVVHWWLQJIULHQGSRLQWVRUGHOHWLQJWKHP
6HOHFWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
2.
3UHVV48,7ZKHQ\RXDUHILQLVKHG
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*36PHQX)ULHQG)LQG
)ULHQG)LQGUHTXHVWV+
$)ULHQG)LQGUHTXHVWPD\EHDSRVLWLRQUHTXHVWRU
DWUDFNLQJUHTXHVW
%\ VHQGLQJ D SRVLWLRQ UHTXHVW DQRWKHU %HQHIRQ
(6&XVHUPD\DVN\RXWRVHQGDSRVLWLRQXSGDWH
6LPLODUO\DWUDFNLQJUHTXHVWLVVHQWWRDVNIRUDVH
ULHVRIWUDFNLQJXSGDWHV2QO\WKHODWHVWUHTXHVW
IURPDSKRQHLVVKRZQLQWKHLQFRPLQJWUDIILFOLVW
7RUHVSRQGWRWKHUHTXHVWSUHVV6(/(&7
<RXZLOOEHDVNHGLI\RXZDQWWRUHVSRQGWRWKH
UHTXHVW3UHVV2.WRVHQGDQXSGDWHWRWKH
VHQGHURIWKHUHTXHVWRU12WRGHFOLQHIURP
VHQGLQJDQXSGDWH
,IWKHUHTXHVWZDVDWUDFNLQJUHTXHVW\RXZLOO
DOVREHDVNHGIRUDQLQWHUYDOIRUVHQGLQJWKHXS
GDWHVDQGWKHQXPEHURIXSGDWHVWRVHQG
8VHWKHQXPHULFNH\VWRNH\LQWKHLQWHUYDO
DQGSUHVV1(;7
7KHQNH\LQWKHQXPEHURIWUDFNLQJ
XSGDWHV WKDW \RX ZDQW WR VHQG DQG SUHVV
2.
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
*36PHQX)ULHQG)LQG
86(:,7+287$6,0&$5'
%HQHIRQ(6&FDQEHXVHGHYHQZKHQD6,0FDUG
KDV QRW EHHQ LQVHUWHG 0RVW *36 IHDWXUHV FDOHQ
GDUQRWHSDGDQGPHQXIXQFWLRQVFDQEHXVHGQRU
PDOO\RQO\6,0UHODWHGIXQFWLRQVVXFKDVPDNLQJ
SKRQH FDOOV XVLQJ PHVVDJHV RU DFFHVVLQJ WKH
SKRQHERRNZLOOEHXQDYDLODEOH
(PHUJHQF\FDOOVFDQDOZD\VEHPDGHHYHQZKHQQR
6,0FDUGLVLQVHUWHG

%5,()29(59,(:2)1$9,*$72586(),56767(36
%5,()29(59,(:2)
1$9,*$72586(
),56767(36
3RVLWLRQLQJWKH*36DQWHQQD
<RX VKRXOG OLIW WKH *36 DQWHQQD VR WKDW LW IDFHV
RSHQVN\ZKHQHYHU\RXZDQWWRXVHDQ\RI%HQHIRQ
(VF·VSRVLWLRQGHSHQGHQWIHDWXUHV
7KH DQWHQQD QHHGV DQ XQREVWUXFWHG YLHZ RI WKH
VN\7KHVLJQDOVVHQWE\WKH*36VDWHOOLWHVGRQRW
SHQHWUDWHVROLGREMHFWVVXFKDVSHRSOHEXLOGLQJV
URFNVRUKHDY\WUHHFRYHU
1RWHWKDWWKH*36UHFHLYHUFDQEHDFWLYHHYHQZKHQ
WKHDQWHQQDLVQRWOLIWHG,QWKLVFDVHILQGLQJVDWHO
OLWHVPD\VWLOOEHSRVVLEOHEXWSRVLWLRQLQJDFFXUDF\
LVOLNHO\WREHZRUVHWKDQXVXDOXQOHVVWKHUHDURI
WKHSKRQHLVIDFLQJDQRSHQVN\
7KHH[WHUQDO*36DQWHQQDDFFHVVRU\FDQEHXVHGWR
UHFHLYH *36 VLJQDOV HYHQ ZKHQ WKH SKRQHV RZQ
*36DQWHQQDLVXQDEOHWRVHHVDWHOOLWHV
6DWHOOLWHV

%5,()29(59,(:2)1$9,*$72586(),56767(36
7XUQLQJWKH*36UHFHLYHURQRURII
<RXQHHGWRWXUQRQWKH*36UHFHLYHUWRPDNHSR
VLWLRQGHWHUPLQDWLRQSRVVLEOH2QFHDFWLYDWHGWKH
UHFHLYHUZLOOFDOFXODWH\RXUSRVLWLRQDWJLYHQLQWHU
YDOV
7RNHHSSRZHUFRQVXPSWLRQDVORZDVSRVVLEOHLW
LVDGYLVDEOHWRWXUQWKH*36UHFHLYHURIIZKHQQR
*36IHDWXUHVDUHEHLQJXVHG
,QVWDQGE\PRGHRURQDQ\RIWKHQDYLJDWRU
SDJHVSUHVVQWRHQWHUWKH4XLFNPHQX
8VHQWRVHOHFW*36UHFHLYHU3UHVV&+$1*(
6HOHFWD*36RSHUDWLQJPRGHE\XVLQJQDQG
SUHVV2.1RWHWKDWDOOWKH*36PRGHVGH
VFULEHGEHORZDUHQRWDYDLODEOHLQDOOSKRQH
PRGHOV
2II1RVDWHOOLWHVDUHWUDFNHG\RXUSRVLWLRQ
LVQRWFDOFXODWHG
)XOOSRZHU7KH*36UHFHLYHUPRQLWRUVWKH
VDWHOOLWHVFRQVWDQWO\FDOFXODWLQJ\RXUSRVL
WLRQ DW VKRUW LQWHUYDOV 8VLQJ WKLV PRGH
FRQVXPHV PRUH SRZHU WKDQ WKH RWKHU
PRGHVEXWLWKDVWKHEHVWDFFXUDF\DQGLW
ZRUNVHYHQLQOLPLWHGVDWHOOLWHFRYHUDJH
/RZSRZHU6DWHOOLWHVDUHWUDFNHGDWVOLJKWO\
ORQJHU LQWHUYDOV :KLOHWKLV PRGH KDV WKH
ORZHVWSRZHUFRQVXPSWLRQLWPD\QRWEH
UHOLDEOHLQOLPLWHGVDWHOOLWHFRYHUDJH
(FRQRP\7UDFNLQJVDWHOOLWHVLVDGDSWHGWR
WKH SUHVHQW FLUFXPVWDQFHV 7KLV PRGH
XVHVQRIL[HGLQWHUYDOIRUWUDFNLQJVDWHO
OLWHV WUDFNLQJ LV RSWLPL]HG DFFRUGLQJ WR
WKHSRZHUFRQVXPSWLRQ
$W LQWHUYDOV <RX FDQ VHOHFW WKH LQWHUYDO
ZKLFK GHWHUPLQHV WKH IUHTXHQF\ IRU WKH
*36UHFHLYHUWRVHDUFKIRUSRVLWLRQ6HOHFW
WKHWLPHDQGFRQILUPLWE\SUHVVLQJ
2.
3UHVV48,7WRH[LWWKHPHQX
*(77,1*),567*36326,7,21
7KH *36 UHFHLYHU QRUPDOO\ VWRUHV WKH ODVW NQRZQ
SRVLWLRQDQGVDWHOOLWHGDWDVRDVWRKHOSUHDFTXLVL
WLRQRISRVLWLRQDIWHUORVVRIVDWHOOLWHVLJQDOVRU
SRZHUGRZQ:KHQWKH*36UHFHLYHULVXVHGIRUWKH
ILUVWWLPHLWKDVQRSUHYLRXVSRVLWLRQLQIRUPDWLRQ
DQGSRVLWLRQDFTXLVLWLRQWDNHVORQJHU
:KHQXVLQJWKH*36UHFHLYHUIRUWKHILUVWWLPHGR
DVIROORZV

%5,()29(59,(:2)1$9,*$72586(),56767(36
*RWRDQRSHQVLWHRXWGRRUVZLWKXQREVWUXFW
HGYLHZRIWKHVN\
3RVLWLRQWKH*36DQWHQQDDQGWXUQWKH*36UH
FHLYHUWR)XOOSRZHUPRGH
+ROGWKHSKRQHVWLOODQGZDLWXQWLOWKH*36LQ
GLFDWRU VKRZV EDUV VLJQLI\LQJ WKDW \RXU SRVL
WLRQKDVEHHQVXFFHVVIXOO\FDOFXODWHG7KLVPD\
WDNHDIHZPLQXWHV
:DLWRQHPRUHPLQXWHEHIRUHWXUQLQJWKH*36
UHFHLYHURIIFKDQJLQJLWWR/RZSRZHUPRGHRU
JRLQJLQGRRUV
*365(&(37,21
2QFHWKH*36UHFHLYHUKDVEHHQDFWLYDWHGILQGLQJ
VDWHOOLWHVDQGORFNLQJWRWKHPXVXDOO\KDSSHQV
ZLWKLQDIHZPLQXWHV$WOHDVWWKUHHVXLWDEO\SRVL
WLRQHG VDWHOOLWHV DUH QHHGHG IRU WZRGLPHQVLRQDO
SRVLWLRQFDOFXODWLRQZKLOHIRXURUPRUHPDNH
WKUHHGLPHQVLRQDO FDOFXODWLRQ LQFOXGLQJ HOHYD
WLRQSRVVLEOH
7KH*36LQGLFDWRUVKRZVQREDUVZKLOHWKH*36UH
FHLYHULV VHDUFKLQJ IRU VDWHOOLWHV$V VRRQ DVSRVL
WLRQKDVEHHQGHWHUPLQHGWKHDFFXUDF\RISRVLWLRQ
GHWHUPLQDWLRQLVVKRZQE\WKHEDUVLQWKHLQGLFD
WRU7KHPRUHEDUVWKHEHWWHUWKHDFFXUDF\
<RXFDQDOVRYLHZWKHVWDWXVRILQGLYLGXDOVDWHOOLWHV
RQWKH3RVLWLRQQDYLJDWRUSDJH)RUIXUWKHULQIRU
PDWLRQSOHDVHVHHWKHIROORZLQJFKDSWHU3RVLWLRQ
3225*36&29(5$*(
,IWKH*36UHFHLYHULVXQDEOHWRGHWHUPLQH\RXUFXU
UHQWSRVLWLRQZLWKLQ DIHZPLQXWHV WKHWH[W3RRU
*36FRYHUDJHZLOOEHVKRZQ7KLVKDSSHQVZKHQ
QRWHQRXJKVDWHOOLWHVDUHYLVLEOH
,IWKH*36KDVEHHQVHWWR(FRQRP\$WLQWHUYDOVRU
/RZSRZHUPRGHWKH*36VWDUWVVOHHSLQJWRFRQ
VHUYHEDWWHU\DVVRRQDVLWGHWHFWVSRRU*36FRYHU
DJH7KLVLVLQGLFDWHGE\D===V\PEROLQWKHSODFH
RIWKH*36LQGLFDWRUEDUV
:KHQVOHHSLQJWKH*36UHFHLYHUZLOOZDNHXSDX
WRPDWLFDOO\HYHU\IHZPLQXWHVDQGORRNIRUVDWHO
OLWHV,W ZLOOJREDFNWR VOHHSLI DGHTXDWHVDWHOOLWH
FRYHUDJHLVQRWDYDLODEOH
:KHQXVLQJWKH(FRQRP\RU$WLQWHUYDOVPRGHSR
VLWLRQIRXQGDWWKHODWHVWDWWHPSWLVLQGLFDWHGE\D
JUH\EDUV\PERO:KHQXVLQJWKH/RZSRZHUPRGH
SUHYLRXVO\VHDUFKHGDQGIRXQGSRVLWLRQLVLQGLFDW
HGE\DEODFNEDUV\PERO

%5,()29(59,(:2)1$9,*$72586(),56767(36
<RXFDQDOVRZDNHXSWKH*36UHFHLYHUPDQXDOO\DV
IROORZV
0DNHVXUHWKDWWKH*36DQWHQQDKDVDQXQRE
VWUXFWHGYLHZRIWKHVN\7KH*36UHFHLYHUGRHV
QRWZRUNLQGRRUV
2QDQ\RIWKHQDYLJDWRUSDJHVSUHVV*36WR
HQWHUWKH*36PHQX
8VHQWRVHOHFW8SGDWHSRVLWLRQDQGSUHVV
2.
,1,7,$/,=,1*7+(*365(&(,9(5
7KH*36UHFHLYHUPD\H[SHULHQFHWURXEOHLQDFDO
FXODWLQJ\RXUSRVLWLRQHJDIWHUORQJLQWHUQDWLRQDO
IOLJKWVRUZKHQLWKDVEHHQRIIIRUDQH[WHQGHGSH
ULRGRIWLPH
,IWKLVKDSSHQV\RXFDQVSHHGXSWKHSRVLWLRQDF
TXLVLWLRQDVIROORZV
2QDQ\RIWKHQDYLJDWRUSDJHVSUHVV*36WR
HQWHUWKH*36PHQX
8VHQWRVHOHFW0DSVDQGSUHVV6(/(&7
6KRZWKH:RUOGPDSE\SUHVVLQJ6(/(&7
8VHDQGWR
PRYHWKHSRLQWHURQWKHPDSWR\RXUSUHVHQW
SRVLWLRQ
3UHVV6(/(&7
,QLWLDOL]HWKH*36UHFHLYHUE\VHOHFWLQJ6HWDV
SRVLWLRQ3UHVV2.
'RDVGHVFULEHGXQGHU*HWWLQJILUVW*36SRVL
WLRQDERYH
,QFDVHWKHSUREOHPSHUVLVWV\RXFDQUHVHWWKH*36
UHFHLYHUE\VHOHFWLQJ5HVHWSRVLWLRQIURPWKH0DLQ
PHQX6HWWLQJV*36DQGWU\DJDLQ

%5,()29(59,(:2)1$9,*$72586(86,1*7+(1$9,*$7253$*(6
86,1*7+(1$9,*$7253$*(6
7KHQDYLJDWRUSDJHVRIWKLVSKRQHDUH
0DSSDJH
*XLGHSDJH
3RVLWLRQSDJH
0RYHPHQWSDJH
<RXFDQDFFHVVDQGEURZVHWKHGLIIHUHQWQDYLJD
WRUSDJHVWKURXJKWKH0DLQPHQXDVIROORZV
,QVWDQGE\PRGHRURQDQ\RIWKHQDYLJDWRU
SDJHVSUHVV0(18WRHQWHUWKH0DLQPHQX
8VHQWRVHOHFWHLWKHU0DS*XLGH3RVLWLRQRU
0RYHPHQW3UHVV6(/(&7
$QRWKHUZD\3UHVVWKHORZHUVLGHNH\V!DQG
<RXFDQDOZD\VUHWXUQWRVWDQGE\PRGHHLWKHUE\
SUHVVLQJFRUWKURXJKWKH0DLQPHQXE\VHOHFWLQJ
WKHLWHP3KRQH
)URPWKHQDYLJDWRUSDJHV\RXDOVRKDYHDFFHVVWR
WKHIROORZLQJPHQXV0DLQPHQX4XLFNPHQXDQG
*36PHQX
)RU IXUWKHU LQIRUPDWLRQ DERXW WKH *36IXQFWLRQV
DQGGDWDILHOGGHWDLOVSOHDVHVHHWKHFKDSWHUV*36
PHQXDQG0DLQPHQX6HWWLQJV*36
0$3
7KH0DSQDYLJDWRUSDJHVKRZV\RXUSRVLWLRQDQG
VXUURXQGLQJVRQDPDS
'DWDILHOGV
7KHWZRFKDQJLQJGDWDILHOGVFRQWDLQLQIRUPDWLRQ
VXFKDVFXUUHQWVSHHGWLPHDQGQH[WGHVWLQDWLRQ
6SHHG
0DS
3RVLWLRQ
PDUNHU
7UDFN
'DWD
ILHOGV
%HDULQJ
7LPH
0DS
VFDOH

%5,()29(59,(:2)1$9,*$72586(0$3
0DSVFDOHWUDFNDQGEHDULQJ
0DSVFDOH LVVKRZQDV DVFDOHEDU,W FKDQJHVDV
\RX]RRPWKHPDSE\SUHVVLQJDQGb
7UDFN [LV\RXUGLUHFWLRQRIPRYHPHQW,WLV
JLYHQLQGHJUHHV
%HDULQJ\ LV WKH GLUHFWLRQ WR \RXU GHVWLQD
WLRQLIDQ\,WLVJLYHQLQGHJUHHV
3RVLWLRQPDUNHU
<RXUSRVLWLRQLVVKRZQRQWKHPDSZLWKDFLUFXODU
SRVLWLRQPDUNHU
<RXU GLUHFWLRQRIPRYHPHQWLVVKRZQZLWKD
EODFNVSRWRQWKHPDUNHU·VHGJH
,I \RX KDYH VHW D GHVWLQDWLRQ IRU QDYLJDWLRQ D
UDGLDOOLQHZLOOVKRZWKHGLUHFWLRQWRWKHUH
7KHPDUNHUZLOOOHDYHDWUDFHRI\RXUPRYHPHQWV
RQWKHPDS
0DSV\PEROV
:D\SRLQWVDUHXVHGIRUPDUNLQJSRLQWVRILQWHU
HVW RU DV GHVWLQDWLRQV IRU QDYLJDWLRQ 7KH\ DUH
VKRZQ DV DQ LGHQWLI\LQJ V\PERO HJ T DQG D
WLWOH
)ULHQG SRLQWV PDUN WKH NQRZQ SRVLWLRQV RI
RWKHU%HQHIRQ(6&SKRQHV7KH\DUHVKRZQDVD
V\PEROXRUPDFFRPSDQLHGE\VRPHLGHQWLI\
LQJWH[W
5RXWHVDUHFRPELQDWLRQVRIVHYHUDOZD\SRLQWV
DQG FDQ EH XVHG DV GHVWLQDWLRQV IRU QDYLJDWLRQ
7KH\DUHVKRZQDVLQWHUFRQQHFWHGZD\SRLQWV
7KH IROORZLQJ RSWLRQV DUH DYDLODEOH WR \RX RQ
WKH0DSSDJH
3UHVVDQGbWR]RRPWKHPDS
3UHVV RU WR
HQWHUSRLQWLQJPRGH
3UHVVWRKLGHDQGVKRZWKHGDWDILHOGV

%5,()29(59,(:2)1$9,*$72586(0$3
3RLQWLQJPRGH
,QSRLQWLQJPRGH\RXFDQPRYHDSRLQWHUWRVFUROO
WKH PDS DQG XVH LW WR FUHDWH DQG SURFHVV ZD\
SRLQWVVHWDSRLQWIRUXVHDVGHVWLQDWLRQPHDVXUH
GLVWDQFHVDQGVHQG\RXUSRVLWLRQLQDVKRUWPHV
VDJHWRJLYHDIHZH[DPSOHV
8VHWKHQXPHULFNH\VWRPRYHWKHSRLQWHU7KH
PDSZLOOEHVFUROOHGLI\RXWU\WRPRYHRXWRILW
3UHVV RU 6(/(&7WRVHOHFWDSRLQWRQWKH
PDSDQGJHWDOLVWRIIXQFWLRQVVXFKDVFUHDWLQJD
QHZZD\SRLQWVHWWLQJDSRLQWDVGHVWLQDWLRQDQG
VRRQ
+LJKOLJKWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
WKH IXQFWLRQ NH\V RU DFFRUGLQJ WR WKH
JXLGLQJWH[WVRQORZHUSDUWRIWKHGLVSOD\
([LWSRLQWLQJPRGHE\SUHVVLQJ48,7
7KHPDSZLOOQRWDXWRPDWLFDOO\VFUROOZKHQ\RXDUH
LQSRLQWLQJPRGH<RXUSRVLWLRQZLOOEHXSGDWHGDV
VRRQDV\RXH[LWLWKRZHYHU
)5,(1'),1'237,216
7KH)ULHQG)LQG IHDWXUHVDUHGHVLJQHG WRWDNH DG
YDQWDJH RI WKH XQLTXH FRPELQDWLRQ RI *36 DQG
*60HTXLSPHQWRI%HQHIRQ(6&%DVHGRQSRVL
WLRQLQIRUPDWLRQDQGWKHVKRUWPHVVDJHVHUYLFH
606WKH\PDNHIXQFWLRQVVXFKDVDFFXUDWHORFDW
LQJRUWUDFNLQJDIULHQGSRVVLEOH
<RXFDQSRLQWDWDIULHQGSRLQWLQSRLQWLQJPRGHWR
XVHDQ\RIWKH)ULHQG)LQGIHDWXUHVUHTXHVWRUVHQG
DSRVLWLRQXSGDWHUHTXHVWRUVHQGWUDFNLQJFDQFHO
\RXUUHTXHVWRUVDYHWKHIULHQGSRLQWDVDZD\
SRLQW
,QSRLQWLQJPRGHVHOHFWDIULHQGSRLQW
8VHQWRVHOHFWDQRSWLRQDQGSUHVV2.
)RUIXUWKHULQIRUPDWLRQDERXWWKH)ULHQG)LQGIHD
WXUHV SOHDVH VHH WKH FKDSWHU *36 PHQX )ULHQG
)LQG
3RLQWHU
&RRUGLQDWHV

%5,()29(59,(:2)1$9,*$72586(*8,'(
*8,'(
7KH*XLGHSDJHJLYHV\RXVWHHULQJJXLGDQFHZKHQ
\RXDUHQDYLJDWLQJWRDGHVWLQDWLRQ
:KHQ XVLQJ WKLV SDJH \RX VKRXOG SRVLWLRQ \RXU
SKRQHVRWKDWWKHDUURZRQWKHWRSRIWKHFRPSDVV
ULQJ SRLQWV WR \RXU GLUHFWLRQ RI PRYHPHQW 7KH
JXLGHZLOOWKHQVKRZ\RXWKHGLUHFWLRQWRGHVWLQD
WLRQDVIROORZV
7KHDUURZVKRZVWKHGLUHFWLRQWRGHVWLQDWLRQ,I
LWSRLQWVVWUDLJKWXS\RXDUHJRLQJGLUHFWO\
WRZDUGVWKHGHVWLQDWLRQ
7KHQXPEHUVRQWKHHGJHRIWKHURWDWLQJFRP
SDVVULQJVKRZ\RX\RXUWUDFNDQGEHDULQJ
7KH JXLGH LV GHSHQGHQW RQ PRYHPHQW DQG WKH
FRPSDVVULQJZLOOEHEODQNZKHQWKHSKRQHLVQRW
PRYLQJ,WLVQRWDPDJQHWLFFRPSDVVDQGVKRXOG
QRWEHUHOLHGRQDVRQH
7KHDUURZLVQRWVKRZQLI\RXKDYHQRWVHWDGHVWL
QDWLRQ0RUHRYHUWKHFRPSDVVULQJLVWRWDOO\EODQN
ZKHQ\RXDUHQRWPRYLQJDWDOO
6SHHG
&RPSDVV
ULQJ
7UDFN
'DWD
ILHOGV
7LPH
%HDULQJ
GHVWLQDWLRQ

%5,()29(59,(:2)1$9,*$72586(326,7,21
326,7,21
7KH3RVLWLRQSDJHVKRZVYDULRXVGDWDILHOGVUHODWHG
WR\RXUSUHVHQWSRVLWLRQWLPHDQGVDWHOOLWHVWDWXV
7KHGDWDILHOGVDUHFRQVWDQWO\FKDQJLQJDQGVKRZ
LQIRUPDWLRQVXFKDVGDWHWLPHVXQULVHHOHYDWLRQ
DERYHVHDOHYHOFRRUGLQDWHVDQGVDWHOOLWHVWDWXV
7KHVDWHOOLWHVWDWXVILHOGFDQKROGXSWRWZHOYHEDUV
RQH IRU HDFK YLVLEOH VDWHOOLWH %DU KHLJKW VLJQLILHV
VLJQDO VWUHQJWK WKH KLJKHU WKH EDU WKH VWURQJHU
WKHVLJQDO6DWHOOLWHVZLWKEODFNEDUVDUHFXUUHQWO\
XVHGIRUQDYLJDWLRQZKLOHJUH\EDUVVLJQLI\VDWHO
OLWHVWKDWDUHVWLOOEHLQJORFNHGWR
'HSHQGLQJRQFXUUHQWO\XVHG*36RSHUDWLQJPRGH
WKHVDWHOOLWHVWDWXVWH[WEXIIHUPD\DOVRVKRZKRZ
ROGWKHODVWIRXQGSRVLWLRQLV
6RPHRIWKHGDWDRQWKLVSDJHGHSHQGVWKH*36UH
FHLYHU·VDELOLW\WRGHWHUPLQH\RXUSRVLWLRQ
'DWH
6DWHOOLWH
VWDWXV
'DWD
ILHOGV
7LPH
'DZQ (OHYDWLRQ
&RRUGLQDWHV
6DWHOOLWHV

%5,()29(59,(:2)1$9,*$72586(029(0(17
029(0(17
7KH0RYHPHQWSDJHVKRZVYDULRXVGDWDILHOGVUHODW
HGWR\RXUPRYHPHQWDQGGHVWLQDWLRQ
7KHGDWDILHOGVDUHFRQVWDQWO\FKDQJLQJDQGVKRZ
LQIRUPDWLRQVXFKDVVSHHGRGRPHWHUWUDFNEHDU
LQJQH[WODVWGHVWLQDWLRQGLVWDQFHWRQH[WODVWGHV
WLQDWLRQ(7$HVWLPDWHGWLPH RIDUULYDODQG (7(
HVWLPDWHGWLPHHQURXWHWRQH[WODVWGHVWLQDWLRQ
7KHODVWGHVWLQDWLRQILHOGVRQO\DSSO\ZKHQ\RXU
FXUUHQWGHVWLQDWLRQLVDURXWH:KHQ\RXDUHQDYL
JDWLQJWRDZD\SRLQWRUDIULHQGSRLQWWKRVHGDWD
ILHOGVZLOOEHOHIWEODQN
0DQ\ GDWD ILHOGV RQ WKLV SDJH DUH GHSHQGHQW RQ
PRYHPHQWVRWKH\ZLOOEHEODQNZKHQ\RXDUHQRW
PRYLQJRUZKHQWKH*36UHFHLYHULVXQDEOHWRGH
WHUPLQH\RXUSRVLWLRQ
6SHHG 2GRPHWHU
7UDFN %HDULQJ
'HVWLQDWLRQ
1H[W /DVW
(7$QH[W (7$ODVW
'HVWLQDWLRQ
UHODWHG
GDWDILHOGV
0RYHPHQW
UHODWHG
GDWDILHOGV

48,&.0(18.(<3$'/2&.
48,&.0(18
:KHQWKHSKRQHLVLQVWDQGE\PRGHRULQRQHRI
WKHQDYLJDWRUSDJHV\RXFDQRSHQWKH4XLFNPHQX
E\ SUHVVLQJ Q 7KH ILUVW LWHP WR EH VHOHFWHG GH
SHQGVRQWKHGLUHFWLRQRI\RXUNH\SUHVV
,I\RXSUHVVQXSZDUGVWKHILUVWLWHPWREHKLJK
OLJKWHGZLOOEH(QYLURQPHQW
,I \RX SUHVVQ GRZQZDUGV WKH ILUVW LWHP WR EH
KLJKOLJKWHGZLOOEH/RFNNH\SDG
+RZHYHULI\RXKDYHORFNHGWKHNH\SDG\RXFDQ
QRWHQWHU4XLFNPHQXXQOHVV\RXILUVWRSHQWKHNH\
SDG
.(<3$'/2&.
7KHNH\SDGORFNLVXVHGWRSUHYHQWDFFLGHQWDONH\
VWURNHV
:KHQDXWRPDWLFNH\ORFNLVWXUQHGRQWKHNH\SDG
ZLOOEHORFNHG LQDSSUR[LPDWHO\ VHFRQGVLI QR
NH\LVSUHVVHGGXULQJWKDWWLPH<RXFDQWXUQWKLV
IHDWXUHRQE\VHWWLQJ.H\ORFNPRGHWR$XWRPDWLFLQ
WKH0DLQPHQXXQGHU6HWWLQJVDQG8VHULQWHUIDFH
7RORFNWKHNH\SDGPDQXDOO\IRUDVLQJOHWLPH
SOHDVHVHHWKHIROORZLQJLQVWUXFWLRQV
/2&.,1*7+(.(<3$'
3UHVVQWRHQWHUWKH4XLFNPHQX
8VHQWRVHOHFW/RFNNH\SDGDQGSUHVV2.WR
ORFNWKHNH\SDG,I\RXFKDQJH\RXUPLQGDQG
GRQRWZDQWWRORFNWKHNH\SDGSUHVV48,7
WRH[LWWKHPHQX
6KRUWFXWWRORFNWKHNH\SDGZKHQWKHSKRQHLV
LQVWDQGE\PRGHRULQDQ\RIWKHQDYLJDWRU
SDJHVSUHVV QGRZQZDUGVIRUDIHZVHFRQGV
7KHNH\SDGZLOOEHORFNHG
1RUPDO
),1(7:25.
0RQGD\
Q
*36UHFHLYHU
/RFNNH\SDG
(QYLURQPHQW
2II
1RUPDO
4XLFNPHQX

48,&.0(18*365(&(,9(5$&7,9,7<
$V\RXORFNWKHNH\SDG\RXZLOODXWRPDWLFDOO\
H[LWWKH4XLFNPHQX7KHOHIWIXQFWLRQNH\ZLOO
WKHQKDYHWKHWH[W81/2&.
:KHQWKHNH\SDGLVORFNHG\RXFDQDQVZHUDQLQ
FRPLQJFDOORQO\E\SUHVVLQJO<RXFDQWXUQRII
WKHULQJLQJWRQHE\SUHVVLQJ48,(7
81/2&.,1*7+(.(<3$'
3UHVV81/2&.
&RQILUPWKHRSHQLQJE\SUHVVLQJ2.,I\RX
FKDQJH\RXUPLQGDQGGRQRWZDQWWRXQORFN
WKHNH\SDGSUHVV12LQVWHDG
:KLOHWKHNH\SDGLVORFNHGSUHVVLQJFRUZLOO
VHWWKHOLJKWVRQIRUVHFRQGV7KLVZD\\RXDUH
DEOHWRVHHKRZWRXQORFNWKHNH\SDGHYHQZKHQLW
LVGDUN
*365(&(,9(5$&7,9,7<
7KH *36 UHFHLYHU UHFHLYHV VLJQDOV IURP WKH VDWHO
OLWHVDQGFDOFXODWHV\RXUSRVLWLRQIURPWKHLQIRUPD
WLRQ
,QWKLVPHQX\RXFDQVHOHFWWKH*36UHFHLYHUDFWLY
LW\7KHVHOHFWLRQDIIHFWVWKHDFFXUDF\DQGSRZHU
FRQVXPSWLRQRI\RXUSKRQH
3UHVVQWRHQWHUWKH4XLFNPHQX
8VHQWRVHOHFW*36UHFHLYHU3UHVV&+$1*(
8VHQWRPDNH\RXUFKRLFHDQGSUHVV2.
3UHVV48,7WRH[LWWKH4XLFNPHQX
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
%ULHIRYHUYLHZRIQDYLJDWRUXVH 7XUQLQJWKH*36
UHFHLYHURQ
1RUPDO
),1(7:25.
0RQGD\
2SHQNH\ORFN"
5HTXHVW

48,&.0(186(/(&7,1*$1(19,5210(17
6(/(&7,1*$1(19,5210(17
$QHQYLURQPHQWLVDFRPELQDWLRQRIWRQHDQGOLJKW
VHWWLQJVPDGHVXLWDEOHIRUSDUWLFXODUVLWXDWLRQV)RU
LQIRUPDWLRQ DERXW HGLWLQJWKHHQYLURQPHQWVHW
WLQJV SOHDVH VHH WKH LQVWUXFWLRQV LQ WKH FKDSWHU
0DLQPHQX6HWWLQJV(QYLURQPHQWV
,QWKLVPHQX\RXFDQ WXUQRQWKHHQYLURQPHQW
\RXZLVKWRXVH7KHGHIDXOWVHWWLQJLV1RUPDO
3UHVVQWRHQWHUWKH4XLFNPHQX
8VHQ
WRVHOHFW(QYLURQPHQW3UHVV&+$1*(
7KHVKRUWFXWWRDFFHVVWKHHQYLURQPHQWVHOHF
WLRQOLVWZKHQWKHSKRQHLVLQVWDQGE\PRGH
RU LQ DQ\ RI WKH QDYLJDWRU SDJHV SUHVV QXS
ZDUGVIRUDIHZVHFRQGV7KHHQYLURQPHQWOLVW
ZLOOEHGLVSOD\HG
8VHQWRVHOHFWWKHGHVLUHGHQYLURQPHQWDQG
SUHVV2.
<RXZLOODXWRPDWLFDOO\H[LWWKHPHQX
7KHFXUUHQWO\XVHGHQYLURQPHQWLVVKRZQLQVWDQG
E\PRGH

0$,10(18$&&(6625,(6
0$,10(18
7KH0DLQ PHQX DOORZV\RX WR DFFHVVWKH VWDQGE\
PRGH WKH YDULRXV QDYLJDWRU SDJHV DQG VHYHUDO
XVHIXOIXQFWLRQVZKLFK\RXFDQVHWDQGDGMXVWWR
PDNHWKHSKRQHVXLW\RXUSDUWLFXODUQHHGV
3UHVV0(18WRHQWHUWKH0DLQPHQX,WFDQEH
DFFHVVHGIURPWKHVWDQGE\PRGHDQGDQ\RIWKH
QDYLJDWRUSDJHV
8VHQWRVFUROOWKURXJKWKHPHQXLWHPVDQGVXE
PHQXV
7R VHOHFW RQH RI WKH LWHPV SUHVV 7KLV ZD\
\RX FDQ HQWHU VXEPHQXV DFWLYDWH FRPPDQGV
DQGWXUQRSWLRQVRQRURII
3UHVV 48,7WRUHWXUQWRWKHSUHYLRXVPHQX
OHYHOIURPDVXEPHQX
<RXFDQUHWXUQWRVWDQGE\PRGHHLWKHUE\SUHVV
LQJ FRUJRLQJWKURXJKWKH0DLQ PHQX DQG
VHOHFWLQJWKHLWHP3KRQH
$&&(6625,(6
7KH$FFHVVRULHVPHQXFRQWDLQVVRPHXVHIXODSSOL
FDWLRQVVXFKDV$ODUPFORFN1RWHSDG&DOHQGDU&DO
FXODWRU DQG VRPH HQWHUWDLQLQJ *DPHV <RX FDQ
DFFHVV WKH PHQX DQG LWV VXEPHQXV YLD WKH 0DLQ
PHQX
3UHVV6(/(&7WRHQWHUWKH$FFHVVRULHVPHQX
8VHQWRVFUROODQGVHOHFWKLJKOLJKWWKHPHQX
LWHPVDQGVXEPHQXV
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
1RUPDO
),1(7:25.
0RQGD\
3KRQH
0DLQPHQX
0DS
*XLGH
3RVLWLRQ
0RYHPHQW
$FFHVVRULHV
6HWWLQJV
Q

0$,10(18$&&(6625,(6
$ODUPFORFN
,QWKLVPHQX\RXFDQWXUQWKHDODUPFORFNRQRU
RIIDQGDGMXVWLWVVHWWLQJV
3UHVV6(/(&7WRRSHQWKH$ODUPFORFNIURPWKH
$FFHVVRULHVPHQX
<RXFDQVFUROODQGVHOHFWIXQFWLRQVDQGLWHPVZLWK
Q
&XUUHQWDODUPVHWWLQJVDUHGLVSOD\HGLQWKH$ODUP
FORFNPHQX7KHUHDUHIRXUDODUPVHWWLQJVZKLFK
\RXFDQDGMXVW
7XUQLQJDODUPRQRURII
<RXFDQWXUQWKHDODUPRQRURIIE\VHOHFWLQJ$FWLYH
DQGSUHVVLQJ&+$1*(
$GMXVWLQJDODUPWLPH
%\VHOHFWLQJ7LPHDQGSUHVVLQJ&+$1*(\RXFDQ
DGMXVWWKHWLPH.H\LQWKHWLPHZLWKQXPHULFNH\V
DQGSUHVV2.
6HOHFWLQJUHSHDWDODUP
%\VHOHFWLQJ5HSHDWDQGSUHVVLQJ&+$1*(\RX
FDQ GHWHUPLQH ZKHWKHU WKH DODUP FORFN VKRXOG
DOHUW\RXRQO\RQFHRURQVSHFLILHGGD\V
$FWLYH
$ODUPFORFN
Q
7LPH
5HSHDW
6QRR]H
2QFH
2II
$ODUPFORFN
$FFHVVRULHV
&DOHQGDU
1RWHSDG
&DOFXODWRU
*DPHV

0$,10(18$&&(6625,(6
7RPDNHWKHDODUPFORFNDOHUWRQO\RQFHPDUN
2QFHE\VHOHFWLQJLWDQGSUHVVLQJ&+$1*(
7RPDNHWKHDODUPFORFNDOHUWRQVHOHFWHGGD\V
PDUNWKHGHVLUHGGD\VE\KLJKOLJKWLQJWKHPDQG
SUHVVLQJ&+$1*(
:KHQUHDG\SUHVV'21(
6HOHFWLQJVQRR]HLQWHUYDO
%\VHOHFWLQJ6QRR]HDQGSUHVVLQJ&+$1*(\RX
FDQ GHWHUPLQH ZKHWKHU WKH SKRQH DOHUWV \RX UH
SHDWHGO\HJHYHU\PLQXWHV6HOHFWWKHGHVLUHG
RSWLRQDQGSUHVV2.
,I\RXGRQRWZDQWWRXVHWKHVQRR]HRSWLRQDWDOO
FKRRVH2II
$/$50&/2&.$/(57
:KHQ WKH DODUP FORFN DOHUWV \RX ZLOO KHDU WKH
DODUPWRQHDQGWKHWH[W:DNHXSZLOOEHVKRZQ
<RXFDQHQGWKHDOHUWE\SUHVVLQJDQ\NH\
,IVQRR]HZDVXVHGWKHSKRQHZLOOVKRZWKHWH[W
6QRR]HRII"DQGZLOODOHUW\RXDJDLQDIWHUDZKLOH
7RWXUQRIIWKHDODUPRQFHDQGIRUDOOSUHVV
2.ZKHQWKH6QRR]HRII"WH[WLVVKRZQ
2QFH
$ODUPFORFN
Q
0RQGD\
7XHVGD\
:HGQHVGD\
7KXUVGD\
)ULGD\
6DWXUGD\
6XQGD\

0$,10(18$&&(6625,(6
1RWHSDG
7KH 1RWHSDGFDQEHXVHGIRUZULWLQJDQGVDYLQJ
VKRUWQRWHV
8VHQDQGSUHVV6(/(&7WRRSHQWKH1RWHSDG
IURPWKH$FFHVVRULHVPHQX<RXZLOOHQWHUDPHQX
WLWOHG1RWHVZKLFKFRQWDLQVVHYHUDOQRWHV
8VHQ WR VHOHFW D QRWH DQG SUHVV 6(/(&7WR
HGLWLW
6HOHFW 'HOHWH DOOWRFOHDUDOOQRWHV&RQILUPWKH
GHOHWLRQE\SUHVVLQJ2.RUFDQFHOWKHRSHUD
WLRQE\SUHVVLQJ12
:ULWLQJPRGH
<RXKDYHWZRZD\VWRZULWHQRWHV
:KHQZULWLQJLQ7PRGH\RXQHHGWRSUHVVD
NH\MXVWRQFHWRHQWHUWKHGHVLUHGOHWWHUSOHDVH
QRWHKRZHYHUWKDWDVLQJOHZRUGWDNHVLWVIRUP
RQO\DIWHU\RXKDYHHQWHUHGDOOWKHOHWWHUVVRGR
QRWZRUU\LI\RXVHHVRPHJLEEHULVKILUVW
:KHQZULWLQJZLWKVSHOOLQJPRGH\RXJHWWKH
ILUVWOHWWHURIWKHNH\ZKHQSUHVVLQJWKHNH\RQFH
WKH VHFRQG OHWWHU ZKHQ SUHVVLQJ WKH NH\ WZLFH
DQGVRRQ
:ULWLQJDQRWHLQ7PRGH
$ QRWH FDQ KDYH D PD[LPXP RI FKDUDFWHUV
:KHQ HGLWLQJ WKH QXPEHU RI FKDUDFWHUV OHIW LV
VKRZQLQWKHXSSHUULJKWFRUQHURIWKHQRWH
6HOHFWLQJ7ODQJXDJH
3UHVVDQGKROGIRUDIHZVHFRQGV6HOHFWWKHGH
VLUHG7ODQJXDJHZLWKQDQGSUHVV2.7KLV7
ODQJXDJHVHOHFWLRQGRHVQRWDIIHFWWKHPHQXODQ
JXDJH\RXDUHXVLQJ
,UHPHPEHU_
1RWHSDG
1RWHSDG
HPSW\QRWH!
HPSW\QRWH!
HPSW\QRWH!
HPSW\QRWH!
HPSW\QRWH!
HPSW\QRWH!
'HOHWHDOO

0$,10(18$&&(6625,(6
7XUQLQJ7PRGHRQRURII
3UHVV:KHQWKH7PRGHLVRQWKHV\PERO
LVVKRZQRQWKHGLVSOD\
6ZLWFKLQJFKDUDFWHUIRUPV
3UHVV bWRVZLWFKWKHFKDUDFWHUIRUPV6HOHFWHG
IRUPLVVKRZQKLJKOLJKWHG7KHV\PERO8VWDQGV
IRU XSSHU FDVH OHWWHUV 9IRUORZHUFDVHOHWWHUV
DQG=IRUQXPEHUV
7KHDIRUPLVXVHIXOZKHQZULWLQJDVHQWHQFHDQG
\RXZDQWWRNH\LQMXVWRQHXSSHUFDVHOHWWHUDQG
OHWWKHUHVWRIWKHOHWWHUVWREHORZHUFDVH
:ULWLQJWH[WZLWK7WH[WLQSXW
8VHWKHOHWWHUNH\VIRUZULWLQJ3UHVVWKH
NH\MXVWRQFHWRHQWHUWKHGHVLUHGOHWWHU7KHPD[
LPXPDPRXQWRIFKDUDFWHUVLQRQHZRUGLV
$VLQJOHZRUGWDNHVLWVIRUPRQO\DIWHU\RXKDYHHQ
WHUHGWKHZKROHZRUG,I\RXDUHVDWLVILHGZLWKWKH
ZRUGWKHSKRQHRIIHUV\RXDFFHSWLWE\SUHVVLQJ
RU$&&(377KHNH\DOVRVHUYHVDVDVSDFH
EDU
:ULWLQJFRPSRXQGZRUGV
:KHQZULWLQJDFRPSRXQGZRUG\RXDUHDVVXPHG
WRSUHVV$&&(37DIWHUHDFKSDUWRIWKHZRUGXQ
WLOWKHZKROHFRPSRXQGZRUGKDVEHHQHQWHUHG
/RRNLQJIRUDOWHUQDWLYHZRUGV
,IWKHILQDOZRUGLVLQFRUUHFWVFUROOWKURXJKWKHDO
WHUQDWLYHVZLWKQWRILQGWKHULJKWRQHDQGSUHVV
WRDFFHSWLW
,QFDVHWKHSKRQHFDQQRWILQGWKHFRUUHFWZRUG
VZLWFK LQWR WKH VSHOOLQJ PRGH E\ SUHVVLQJ
:ULWH WKH ZKROH ZRUG RU ZRUGV RQFH DJDLQ $V
\RXVZLWFKEDFNLQWR7PRGHWKHQHZZRUGRU
ZRUGVZLOOEHVDYHGDXWRPDWLFDOO\LQWRPHPRU\
6DYLQJQHZZRUGV
7KDVDQDXWRPDWLFVDYLQJV\VWHPZKLFKPHDQV
WKDWLWZLOOOHDUQWKHPRVWIUHTXHQWZRUGV\RXXVH
HYHQLIWKH\DUHQRWXVHGLQFRPPRQODQJXDJH
7KHDXWRPDWLF VDYLQJWDNHVSODFHZKHQVZLWFKLQJ
IURPWKH VSHOOLQJPRGHWR WKH7PRGH RUZKHQ
SUHVVLQJ48,7RU6$9(

0$,10(18$&&(6625,(6
%HHSLQJVRXQGV
,QFDVH\RXWU\WRGRDQLOOHJDODFWLRQVXFKDVFRQ
WLQXHZULWLQJWKHQRWHZKHQWKHUHLVQRVSDFHOHIW
RUSUHVVDNH\WKDWGRHVQRWPDWFKWRWKHNH\VWURNH
VHTXHQFHHQWHUHGWKH7ZLOOEHHSDQGLJQRUHWKH
DFWLRQ
$GGLQJVSHFLDOFKDUDFWHUV
%\ SUHVVLQJ DQG KROGLQJ IRUDIHZVHFRQGVD
ZLGHVHOHFWLRQRIVSHFLDOFKDUDFWHUVLVPDGHDYDLO
DEOHWR\RX
6HOHFWDURZZLWKQ DQG SUHVV WKH QXPHULF NH\
ZKLFKFRUUHVSRQGVWRWKHGHVLUHGFKDUDFWHU
)RUH[DPSOHZKHQ\RXZLVKWRDGGWKHFKDUDFWHU
LQWRWH[WILUVWSUHVVDQGKROGIRUDIHZVHFRQGV
7KHQVFUROOWRWKHVHFRQGURZE\SUHVVLQJQDQG
SUHVV
:KHQWKHNH\KDVEHHQSUHVVHG\RXZLOODXWRPDW
LFDOO\UHWXUQWRWKHWH[W\RXDUHZULWLQJDWWKHPR
PHQW
0DNLQJILQDOFRUUHFWLRQV
<RXFDQVFUROOWKURXJK\RXUQRWHE\SUHVVLQJQ7R
FKDQJHDZRUGPRYHWKHFXUVRUWRWKHULJKWVLGHRI
WKHLQFRUUHFWZRUGDQGSUHVV&/($5
:ULWHWKHZRUGRQFHDJDLQ<RXFDQDOVRVZLWFK
LQWRWKHVSHOOLQJPRGHE\SUHVVLQJ
1RWHSDG
Q

0$,10(18$&&(6625,(6
,IWKHZRUGLVVWLOOLQFRUUHFWILQGDQDOWHUQDWLYH
ZRUGZLWKQ
)LQDOO\YHULI\WKHFRUUHFWZRUGE\SUHVVLQJRU
$&&(37
)XUWKHUDFWLRQV
:KHQWKHQRWHLVUHDG\SUHVV6$9(WRVDYHLW
<RXZLOOUHWXUQWRWKHSUHYLRXVPHQXOHYHO
,I\RXZDQWWRGHOHWH\RXUQRWHILUVWRSHQWKHQRWH
DQGFOHDULWE\SUHVVLQJDQGKROGLQJ&/($5IRU
DIHZVHFRQGV3UHVV48,7
:ULWLQJDQRWHLQVSHOOLQJPRGH
7KHHGLWLQJWRROVDUHEDVLFDOO\WKHVDPHLQVSHOOLQJ
PRGHDQGLQ7PRGH7KHRQO\GLIIHUHQFHLVWKH
ZD\WRNH\LQOHWWHUV
7XUQ7PRGHRIIE\SUHVVLQJ:KHQWKH7
PRGHLVRIIQRV\PEROLVRQWKHGLVSOD\
8VHQWRPRYHEDFNDQGIRUWKLQWKHWH[W
3UHVV&/($5WRHUDVHWH[W
3UHVVWRHQWHUDVSDFH
3UHVV b WR VZLWFK EHWZHHQ XSSHU FDVH OHWWHUV
ORZHUFDVHOHWWHUVDQGQXPEHUV
8VH WR HQWHU VSHFLDO FKDUDFWHUV )RU IXUWKHU
LQIRUPDWLRQ SOHDVH VHH WKH 7 LQVWUXFWLRQV
DERYHLQWKHFKDSWHU:ULWLQJDQRWHLQ7PRGH
$GGLQJVSHFLDOFKDUDFWHUV
:KHQWKHQRWHLVUHDG\SUHVV6$9(WRVDYHLW

0$,10(18$&&(6625,(6
&DOHQGDU
<RX FDQ ZULWH GRZQ \RXU RZQ DSSRLQWPHQWV
HYHQWVDQGDQQLYHUVDULHVLQWKHFDOHQGDU5HPLQG
HUVFDQDOVREHDVVRFLDWHGZLWKWKHVHHQWULHV3OHDVH
QRWHWKDWLIWKHSRZHURIWKHSKRQHLVWXUQHGRII
WKHFDOHQGDUDODUPVGRQRWDXWRPDWLFDOO\WXUQWKH
SKRQHRQDQG\RXZLOOPLVVWKHDODUP
3UHVV6(/(&7WRRSHQWKH&DOHQGDUIURPWKH$F
FHVVRULHVPHQX
7KHPDLQFDOHQGDUSDJHVKRZVDFDOHQGDUSDJHIRU
RQHPRQWK(DFKGD\WKDWKDVDQ\FDOHQGDUHQWULHV
LVPDUNHGZLWKDVPDOOEODFNWULDQJOHLQLWVORZHU
OHIWFRUQHU
8VHDQGbWRVZLWFKEHWZHHQPRQWKV
8VHQWRVHOHFWDGD\,I\RXVFUROOWKLVZD\SDVW
WKHILUVWRUWKHODVWGD\RIWKHPRQWKWKHSDJHLV
FKDQJHGWRGLVSOD\DQRWKHUPRQWK
3UHVV6(/(&7WRYLHZDVLQJOHGD\·VSDJH
'$<9,(:
7KHGD\YLHZVKRZV\RXDOOFDOHQGDUHQWULHVIRUD
VLQJOHGD\LIDQ\<RXFDQDOVRVHHWKHGDZQVXQ
ULVHDQGVXQVHWWLPHVIRUWKHGD\
1RZ \RX KDYH WKUHH RSWLRQV WR FKRRVH IURP
&KRRVHGDWH$JHQGDDQG1HZHQWU\+LJKOLJKWWKH
GHVLUHGRSWLRQZLWKQDQGSUHVV6(/(&7
&+226('$7(
&KRRVHGDWHVKRZV\RXTXLFNO\ZKDWLVWKHVFKHG
XOHIRUDVSHFLILFGD\3UHVV6(/(&7DQGVSHFLI\
WKHGHVLUHGGD\DVIROORZV
6HOHFW RQH RI WKHVH 1H[W GD\
3UHYLRXV GD\RU
7RGD\DQGSUHVV2.RU
'HFHPEHU
Q
0
7:7) 66
:HHN
Q
7XHVGD\
&KRRVHGDWH
$JHQGD
1HZHQWU\
'DZQ
6XQULVH
0HHW3DXO
7HDEUHDN
'D\YLHZ
0RQWKYLHZ

0$,10(18$&&(6625,(6
6HOHFW*RWRGDWHE\SUHVVLQJ&+$1*(.H\LQ
WKHGDWH\RXZLVKWRYLHZDQGSUHVV2.
9,(:,1*$//(175,(6$*(1'$
%\VHOHFWLQJ$JHQGD\RXFDQYLHZDOO\RXUFDOHQ
GDUHQWULHVDWRQFH
6HOHFW'HOHWH DOOWRUHPRYHDOOFDOHQGDUHQWULHV
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.RUFDQ
FHOWKHRSHUDWLRQE\SUHVVLQJ12
6HOHFWDQH[LVWLQJHQWU\WRYLHZHGLWRUGHOHWHLW
$'',1*$1(:&$/(1'$5(175<
%\VHOHFWLQJ1HZHQWU\\RXFDQDGGDQHZHYHQWWR
\RXUFDOHQGDU
&KDQJLQJHQWU\WH[W
<RXFDQJLYHWKHFDOHQGDUHQWU\DWLWOHWH[WE\VH
OHFWLQJ 7H[W DQG SUHVVLQJ &+$1*( .H\ LQ WKH
WH[WZLWKDOSKDQXPHULFNH\V3UHVV2.
$GMXVWLQJHQWU\WLPH
<RXFDQDGMXVWWKHWLPHRIWKHHYHQWE\VHOHFWLQJ
7LPHDQGSUHVVLQJ&+$1*(.H\LQWKHQXPEHUV
DQGILQLVKE\SUHVVLQJ2.
&KDQJLQJHQWU\GDWH
<RXFDQDGMXVWWKHGDWHRIWKHHYHQWE\VHOHFWLQJ
'DWHDQGSUHVVLQJ&+$1*(.H\LQWKHQXPEHUV
DQGILQLVKE\SUHVVLQJ2.
6HOHFWLQJHQWU\UHSHDW
%\VHOHFWLQJ5HSHDWDQGSUHVVLQJ&+$1*(\RX
FDQGHWHUPLQHZKHWKHUWKHHQWU\VKRXOGDSSO\RQO\
RQFHRURQVSHFLILHGGD\V
$JHQGD
1HZHQWU\
'HOHWHDOO
0RQ
3LFQLF
Q
ZN
7XH ZN
0HHW3DXO
7HDEUHDN

0$,10(18$&&(6625,(6
7RPDNHWKHHQWU\DSSO\RQO\RQFHPDUN2QFHE\
KLJKOLJKWLQJLWDQGSUHVVLQJ&+$1*(
7RPDNHWKHHQWU\DSSO\RQVHOHFWHGGD\VPDUN
WKHGHVLUHGGD\VE\KLJKOLJKWLQJWKHPZLWKQDQG
SUHVVLQJ&+$1*(
:KHQUHDG\SUHVV'21(
6HOHFWLQJDODUP
<RXFDQPDNHWKHSKRQHVRXQGDQDODUPHLWKHURQ
WLPHRIWKHFDOHQGDUHYHQWRUVRPHPLQXWHVEHIRUH
LW7KHDODUPPHORG\GHSHQGVRQWKHFXUUHQW(QYL
URQPHQWVHWWLQJV
6HOHFW$ODUPDQGSUHVV&+$1*(
1H[W VHOHFW WKH DODUP WLPH DQG SUHVV 2. ,I
\RXGRQRWZDQWWRXVHWKHDODUPRSWLRQFKRRVH
1RDODUP
:KHQ\RXDUHILQLVKHGSUHVV'21(<RXZLOOEH
DVNHGLI\RXZDQWWRVDYHWKHHQWU\0DNHDVHOHF
WLRQE\SUHVVLQJ12RU2.
9,(:,1*$&$/(1'$5(175<
$*(1'$
7RYLHZDFDOHQGDUHQWU\ZLWKGHWDLOVVHOHFWD'D\
YLHZDQGWKHQWKHLWHP$JHQGDE\SUHVVLQJ6(
/(&7$JHQGDVKRZVDOOWKHHYHQWVPDGH)LQGWKH
GHVLUHGHQWU\ZLWKQDQGSUHVV6(/(&7
(GLWLQJDFDOHQGDUHQWU\
7RHGLWDFDOHQGDUHQWU\GRDVIROORZV
3UHVV6(/(&7ZKHQYLHZLQJDFDOHQGDUHQWU\
&DOHQGDU
7XH
Z222QWLPH
ZN
HQWU\
,IWKHFDOHQGDU
KDVDQDFWLYH
UHSHDWRSWLRQ
WKHSRLQWRI
WLPHVKRZQ
KHUHLVWKH
QH[WSRLQWRI
WLPHWKDWWKH
FDOHQGDUHQWU\
LVGXH
7KHZ
V\PERO
LQGLFDWHV
WKHDODUP
LVWXUQHG
RQIRUWKLV
FDOHQGDU
HQWU\
5HJDO
0HHWLQJ3DXOLQ&DIp

0$,10(18$&&(6625,(6
6HOHFW(GLWDQGSUHVV6(/(&7
(GLWLQJDFDOHQGDUHQWU\LVGRQHMXVWOLNHDGGLQJD
QHZRQH)RU IXUWKHULQIRUPDWLRQSOHDVHVHHWKH
FKDSWHU$GGLQJDQHZFDOHQGDUHQWU\DERYH
'HOHWLQJDFDOHQGDUHQWU\
7RGHOHWHDFDOHQGDUHQWU\GRDVIROORZV
3UHVV6(/(&7ZKHQYLHZLQJDFDOHQGDUHQWU\
6HOHFW'HOHWHDQGSUHVV2.
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.RUFDQ
FHOWKHRSHUDWLRQE\SUHVVLQJ12
&$/(1'$5$/(57
:KHQDFDOHQGDUHQWU\ZLWKDODUPRFFXUV\RXZLOO
KHDUWKHFDOHQGDUWRQHDQGWKHHQWU\·VWH[WZLOOEH
VKRZQ
<RXFDQTXLHWWKHWRQHE\SUHVVLQJ48,(7DQG
GLVPLVVWKHUHPLQGHUE\SUHVVLQJ2))
&DOFXODWRU
:LWK WKH FDOFXODWRU \RX FDQ SHUIRUP WKH EDVLF
PDWKHPDWLFDORSHUDWLRQVVXFKDVDGGLWLRQVXEWUDF
WLRQPXOWLSOLFDWLRQDQGGLYLVLRQ<RXDUHDOVRDEOH
WRXVHGHFLPDOSRLQWVDQGWKHSHUFHQWRSHUDWRU
3UHVV6(/(&7WRRSHQWKH&DOFXODWRUIURPWKH
$FFHVVRULHVPHQX
7KHRSHUDWRUVDYDLODEOHIRUFDOFXODWLQJDUHGLV
SOD\HGRQWKHWRSRIWKHGLVSOD\<RXFDQDFFHVV
WKHPZLWKWKHQNH\
7KH 0DQG ]FDQDOWHUQDWLYHO\EHNH\HGLQ
&DOFXODWRU
Q

0$,10(18$&&(6625,(6
E\VXEVHTXHQWSUHVVHVRIWKHNH\6LPLODUO\B
DQGFDQEHNH\HGLQZLWKb
$GHFLPDOSRLQWFDQDOVREHNH\HGLQE\SUHVVLQJ
DQGKROGLQJWKHNH\
%\SUHVVLQJ&/($5\RXFDQFRUUHFWDQ\LQFRU
UHFW QXPEHUV DQG V\PEROV \RX PD\ KDYH NH\HG
LQ
7KHPD[LPXPVL]HRIDQXPEHULVGLJLWV:KHQ
XVLQJDGHFLPDOSRLQWWKHDPRXQWRIGLJLWVZLOOEH
SOXVWKHGHFLPDOSRLQWIRUH[DPSOH
,QFDVH\RXWU\WRNH\LQDQLOOHJDOPDWKHPDWLFDOH[
SUHVVLRQ IRU H[DPSOH WKH WH[W (UURU LV GLV
SOD\HG
7KH DFFXUDF\ RI WKH FDOFXODWLRQ LV XS WR GLJLWV
:KHQQHHGHGWKHUHVXOWZLOOEHGLVSOD\HGZLWKWKH
H[SRQHQWIRUH[DPSOHWKHUHVXOWLVGLV
SOD\HGDV(
$QH[DPSOHRIWKHSHUFHQWFDOFXODWLRQ
(QWHUWKHQXPEHUE\SUHVVLQJWKHQXPHULF
NH\V 3UHVV DQG KROG WR JHW WKH GHFLPDO
SRLQW
6HOHFW WKH GHVLUHG RSHUDWRU ZLWK QDQG
SUHVV6(/(&77KHFKRVHQRSHUDWRUDSSHDUV
RQWKHGLVSOD\
(QWHUWKHQXPEHUE\SUHVVLQJ
6HOHFW WKH GHVLUHG RSHUDWRU B ZLWK QDQG
SUHVV6(/(&7
(QWHUWKHQXPEHUE\SUHVVLQJ
6HOHFW WKH GHVLUHG RSHUDWRU ] ZLWK QDQG
SUHVV6(/(&7
6HOHFWWKHHTXDOVLJQ 3UHVV6(/(&7WR
JHWWKHUHVXOW
&DOFXODWLRQFDQEHFRQWLQXHGIURPWKHODVWUHVXOW
VLJQ IXQFWLRQ
UHVHWVWKHGLVSOD\
GHFLPDOSRLQW
B VXEWUDFWLRQ
DGGLWLRQ
JLYHVUHVXOW
0 PXOWLSOLFDWLRQ
GLYLVLRQ
` SHUFHQW

0$,10(18$&&(6625,(6
*DPHV
3UHVV6(/(&7WRRSHQWKH*DPHVOLVWIURPWKH
$FFHVVRULHVPHQX
6WDUWDJDPHE\SUHVVLQJ6(/(&7
3DXVHRUILQLVKDJDPHE\SUHVVLQJ
&RQWLQXH D SDXVHG JDPH E\ XVLQJ QWRVHOHFW
&RQWLQXHDQGSUHVVLQJ6(/(&7
*$/$&7,&*811(5
7KHLGHDLVWRVKRRWWKHHQHP\DERYH\RXZKLOH
DYRLGLQJWKHERPEVEHLQJGURSSHGRQWR\RX7KH
HQHP\ PRYHV IURP VLGH WR VLGH DQG DIWHU HDFK
VZHHSLWFRPHVFORVHUWR\RX
,I\RXPDQDJHWRVKRRWWKHZKROHHQHP\IOHHWWKH
JDPH JRHV RQ WR WKH QH[W OHYHO ZKLFK LV VOLJKWO\
IDVWHUWKDQWKHSUHYLRXVOHYHO
7KHJDPHLVRYHUZKHQWKHHQHP\ERPEV\RXRU
ODQGVRQWKHURZULJKWQH[WWR\RXUVKLS
.H\IXQFWLRQV
0RYHOHIWE\SUHVVLQJRU
0RYHULJKWE\SUHVVLQJRUb
6KRRWE\SUHVVLQJRU
6FRULQJ
+LWDQHQHP\ERPESRLQW
+LWDQHQHP\VKLSSRLQWV
%/$67(50$67(5
7KHLGHDLVWRFOHDUDPLQHILHOGRIPLQHVZLWKRXW
EHLQJEORZQDZD\DVTXLFNO\DVSRVVLEOH<RXFDQ
FRPSOHWHWKHJDPHE\PDQDJLQJWRFOHDUWKHILHOG
DQGPDUNLQJDOOWKHPLQHVZLWKIODJV
<RXORVHWKHJDPHLI\RXRSHQDVTXDUHZLWKDPLQH
RQLW
.H\IXQFWLRQV
0RYH WKH FXUVRU E\ SUHVVLQJ
RU
2SHQDVTXDUHE\SUHVVLQJ
0DUNDPLQHZLWKDIODJE\SUHVVLQJRUb

0$,10(18$&&(6625,(6
6FRULQJ
<RXVFRUHLVWKHWLPH\RXQHHGHGWRFRPSOHWHWKH
JDPH7KHVKRUWHUWKHWLPHWKHEHWWHUWKHVFRUH
:250
7KHLGHDLVWRFRQWURODZRUPDURXQGWKHGLVSOD\
HDWLQJVPDOOFRRNLHVDQGDYRLGLQJZDOOV7KHZRUP
ZLOOJURZDQGJDLQVSHHGZLWKHDFKFRRNLHLWHDWV
7KHJDPHLVRYHUZKHQWKHZRUPKLWVDZDOORULW
VHOI
.H\IXQFWLRQV
6WHHUWKHZRUPE\SUHVVLQJDQG
6FRULQJ
(DWDFRRNLHSRLQW
3,&785(38==/(
7KHLGHDLVWRSXWWRJHWKHUDSLFWXUHE\PRYLQJD
SLHFHRILWDURXQGWKHSOD\LQJDUHD:KHQWKHSLHFH
LVPRYHGLWFKDQJHVSODFHZLWKWKHSLHFHWKDWRFFX
SLHV WKH VTXDUH EHLQJ PRYHG LQWR <RX FDQ FRP
SOHWHWKHJDPHE\SXWWLQJDOOWKHSLHFHVLQWKHULJKW
RUGHU
.H\IXQFWLRQV
0RYHWKHSLHFHE\SUHVVLQJDQG
3UHYLHZWKHFRPSOHWHSLFWXUHE\SUHVVLQJ
RUb
6FRULQJ
<RXUVFRUHLVWKHWLPH\RXQHHGHGWRFRPSOHWHWKH
JDPH7KHVKRUWHUWKHWLPHWKHEHWWHUWKHVFRUH
:$//%5($.(5
7KHLGHDLVWRKLWDQGFOHDUDOOWKHWLOHVLQWKHFHLO
LQJ<RXKDYHDSDGGOHDQGDEDOOWRSOD\ZLWK<RX
PD\FDWFKWKHERXQFLQJEDOOE\PRYLQJ\RXUSDG
GOHIURPVLGHWRVLGH
:KHQWKHUHDUHQRWLOHVOHIWLQWKHFHLOLQJWKHJDPH
JRHVRQWRWKHQH[WOHYHOZKLFKLVVOLJKWO\IDVWHU

0$,10(18$&&(6625,(6
WKDQWKHSUHYLRXVRQH$IWHUUHDFKLQJDFHUWDLQOHY
HOWKH VSHHGZLOO VWD\WKH VDPHEXW WKH ZLGWK RI
\RXUSDGGOHZLOOEHGHFUHDVHG
7KH JDPH LV RYHU ZKHQ \RX PLVV D EDOO ZKHQ LW
ERXQFHVEDFNWR\RX
.H\IXQFWLRQV
5HOHDVHWKHEDOOE\SUHVVLQJRU
0RYHOHIWZLWKZLGHVWHSVE\SUHVVLQJ
0RYHOHIWQRUPDOO\E\SUHVVLQJRU
0RYHOHIWZLWKWLQ\VWHSVE\SUHVVLQJ
0RYHULJKWZLWKZLGHVWHSVE\SUHVVLQJ
0RYHULJKWQRUPDOO\E\SUHVVLQJRU
0RYHULJKWZLWKWLQ\VWHSVE\SUHVVLQJb
6FRULQJ
SRLQWIRURQHWLOH
SRLQWVIRUFOHDULQJWKHOHYHO
/$%<5,17+
7KHLGHDLVWRZDONWKURXJKWKHODE\ULQWKVWDUWLQJ
IURPWKHXSSHUOHIWFRUQHUJRLQJWRWKHORZHUULJKW
FRUQHUDVIDVWDVSRVVLEOH2QO\SDUWRIWKHODE\ULQWK
LVGLVSOD\HGDWRQFHLQIDFWWKHZKROHODE\ULQWKLV
PXFKODUJHU7KHUHLVRQO\RQHZD\WRJRWKURXJK
WKHODE\ULQWKQRVKRUWFXWVDUHDYDLODEOH
3OHDVHQRWHWKDWLWPLJKWWDNHIHZVHFRQGVWRORDG
WKHJDPHRQWKHGLVSOD\IRUSOD\LQJ
.H\IXQFWLRQV
0RYHE\SUHVVLQJDQG
6FRULQJ
<RXUVFRUHLVWKHWLPH\RXQHHGHGWRFRPSOHWHWKH
JDPH7KHVKRUWHUWKHWLPHWKHEHWWHUWKHVFRUH

0$,10(186(77,1*6
7,&7$&72(
7KHLGHDLVWRDGGFURVVHVLQWKHJULGWDNLQJWXUQV
ZLWK\RXURSSRQHQW7KHZLQQHURIWKHJDPHLVWKH
RQHZKRILUVWPDQDJHVWRJHWILYHPDUNVLQDURZ
7KHURZFDQEHIRUPHGHLWKHU KRUL]RQWDOO\YHUWL
FDOO\RUGLDJRQDOO\2QO\SDUWRIWKHJULGLVGLV
SOD\HG DW RQFH LQ IDFW WKH ZKROH JULG LV PXFK
ODUJHU
.H\IXQFWLRQV
0RYH WKH FXUVRU E\ SUHVVLQJ
RU
3ODFHDFURVVE\SUHVVLQJ
6(77,1*6
<RX FDQ DFFHVV WKH VHWWLQJV RI WKH SKRQH YLD WKH
6HWWLQJVPHQX7KHVHWWLQJVDUHGLYLGHGLQWRVXE
FDWHJRULHV VXFK DV (QYLURQPHQWV 8VHU LQWHUIDFH
7LPH8QLWV3RZHU*60*36+HOS'HVN(PHUJHQ
F\FDOOVDQG6HFXULW\
<RXFDQDFFHVVWKHPHQXDQGLWVVXEPHQXVYLDWKH
0DLQPHQX
3UHVV6(/(&7WRHQWHUWKH6HWWLQJVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
(QYLURQPHQWV
$QHQYLURQPHQWLVDFRPELQDWLRQRIVRXQGDQG
OLJKWV VHWWLQJV 'LIIHUHQW HQYLURQPHQWV FDQ EH
XVHGIRUGLIIHUHQWVLWXDWLRQVVXFKDVDWWHQGLQJD
PHHWLQJRUJRLQJRXWGRRUV
7KHUHDUH VHYHUDOGHIDXOWHQYLURQPHQWV DYDLODEOH
HJ1RUPDO6LOHQW'LVFUHHW1RLV\DQG1LJKW$GGL
WLRQDOO\\RXFDQFUHDWHXSWRWZRHQYLURQPHQWVRI
\RXURZQ
(QYLURQPHQWV KDYH GHIDXOW VHWWLQJV VR \RX PD\
XVHWKHPDVWKH\DUH+RZHYHULQWKLVPHQX\RX

0$,10(186(77,1*6
FDQ FXVWRPL]HWKHVHHQYLURQPHQWVWR\RXURZQ
QHHGVLI\RXVRGHVLUH
<RX FDQ WXUQ RQ D VSHFLILF HQYLURQPHQW LQ WKH
4XLFN PHQX )RU IXUWKHU LQIRUPDWLRQ DERXW LW
SOHDVH VHH WKH LQVWUXFWLRQV LQ WKH FKDSWHU 4XLFN
PHQX6HOHFWLQJDQHQYLURQPHQW
7KHHQYLURQPHQW\RXDUHFXUUHQWO\XVLQJLVVKRZQ
LQVWDQGE\PRGH
3UHVV6(/(&7WRRSHQWKH(QYLURQPHQWVPHQX
IURP6HWWLQJV
(',7,1*1250$/(19,5210(17
7RYLHZRUDGMXVWWKHQRUPDOHQYLURQPHQWVHOHFW
1RUPDODQGSUHVV6(/(&7
:KHQ\RXDUHILQLVKHGSUHVV'21(,I\RXKDYH
PDGHDQ\FKDQJHVWRWKHHQYLURQPHQW\RXZLOOEH
DVNHGLI\RXZDQWWRVDYHWKHP0DNHDVHOHFWLRQE\
SUHVVLQJ12RU2.
5HQDPLQJWKHHQYLURQPHQW
7KHGHIDXOWHQYLURQPHQWV1RUPDO6LOHQW'LVFUHHW
1RLV\DQG1LJKWFDQQRWEHUHQDPHG
(GLWLQJLQFRPLQJFDOODODUP
PHVVDJHVRUFDOHQGDUVHWWLQJV
6HOHFWHLWKHU,QFRPLQJFDOO$ODUP0HVVDJHVRU&DO
HQGDUDQGSUHVV6(/(&77KHFXUUHQWHQYLURQ
PHQWVHWWLQJVIRUWKHFKRVHQRSWLRQDUHGLVSOD\HG
6HWWLQJWRQH
6HOHFW7RQHDQGSUHVV&+$1*(
<RXZLOOKHDUVDPSOHVRIHDFKWRQHOLVWHGDV\RX
VFUROOWKHPZLWKQ0DNHDVHOHFWLRQDQGSUHVV
2.
6HWWLQJYROXPH
6HOHFW9ROXPHDQGSUHVV&+$1*(
8VHQWRVHWWKHYROXPHOHYHO<RXFDQDOVRVHW
LWWR]HUROHYHOLHWRWDOO\VLOHQW
3UHVV2.ZKHQGRQH
9ROXPHOHYHOFDQDOVREHVHWE\SUHVVLQJ!DQG
ZKHQWKH9ROXPHPHQXLWHPLVVHOHFWHG
6HWWLQJULQJLQJPRGH
5LQJLQJPRGHLVQRWDYDLODEOHLQPHVVDJHVHWWLQJ

0$,10(186(77,1*6
6HOHFW5LQJLQJPRGHDQGSUHVV&+$1*(
6HOHFWHLWKHU)L[HGRU,QFUHDVLQJDQGSUHVV
2.
&KDQJLQJXVHRIYLEUDWLRQ
<RXFDQWXUQYLEUDWLQJDOHUWRQRURIIE\VHOHFWLQJ
9LEUDWLRQDQGSUHVVLQJ&+$1*(
&KDQJLQJYROXPHIRU
NH\WRQHVRUQRWLILFDWLRQV
6HOHFW HLWKHU .H\ WRQHVRU1RWLILFDWLRQVDQGSUHVV
&+$1*(WRDGMXVWWKHVHOHFWHGRSWLRQ
8VHQWRVHWWKHYROXPHOHYHO<RXFDQDOVRVHW
LWWR]HUROHYHOLHWRWDOO\VLOHQW
3UHVV2.ZKHQGRQH
9ROXPHOHYHOFDQDOVREHVHWE\SUHVVLQJ!DQG
ZKHQHLWKHU1RWLILFDWLRQVRU.H\WRQHVLVVHOHFWHG
&KDQJLQJXVHRIOLJKWV
6HOHFW/LJKWVDQGSUHVV&+$1*(
6HOHFWDQRSWLRQDQGSUHVV2.
7RKDYHWKHOLJKWVDOZD\VRIIVHOHFW2II
7RKDYHWKHOLJKWVDOZD\VRQVHOHFW2Q
7R KDYH WKH OLJKWV DXWRPDWLFDOO\ WXUQ RQ
ZKHQNH\VDUHSUHVVHGRULPSRUWDQWQRWLIL
FDWLRQVDUHGLVSOD\HGVHOHFW$XWRPDWLF
.HHSLQJOLJKWVFRQVWDQWO\RQZLOOULVHWKHSRZHU
FRQVXPSWLRQRIWKHSKRQHFRQVLGHUDEO\
5HVHWWLQJDQHQYLURQPHQW
7RUHVHWWKHHQYLURQPHQWVHWWLQJVWRIDFWRU\GH
IDXOWVGRDVIROORZV
6HOHFW5HVHWDQGSUHVV2.
&RQILUPWKHUHVHWE\SUHVVLQJ2.RUFDQFHO
WKHRSHUDWLRQE\SUHVVLQJ12
(',7,1*6,/(17',6&5((7
12,6<$1'1,*+7(19,5210(176
<RXFDQHGLWWKHVHHQYLURQPHQWVLQWKHVDPHZD\
DV WKH 1RUPDO HQYLURQPHQW )RU GHWDLOHG LQIRUPD
WLRQSOHDVHVHHWKHSUHYLRXVFKDSWHU(GLWLQJQRU
PDOHQYLURQPHQW

0$,10(186(77,1*6
&$5.,7(19,5210(17
,QWKLVPHQX\RXFDQVHWRQHRIWKHHQYLURQPHQWV
WREHWKHGHIDXOWHQYLURQPHQWIRUWKHFDUNLW(DFK
WLPHZKHQ\RXFRQQHFWWKHSKRQHWRDFDUNLWWKH
GHIDXOWFDUNLWHQYLURQPHQWZLOOEHWXUQHGRQDXWR
PDWLFDOO\$V\RXGLVFRQQHFWWKHSKRQHIURPWKH
FDUNLWSUHYLRXVO\XVHGHQYLURQPHQWZLOOEHWXUQHG
RQ
6HOHFW&DUNLWDQGSUHVV&+$1*(+LJKOLJKWWKH
GHVLUHGHQYLURQPHQWZLWKQDQGSUHVV2.
,I\RXGRQRWZDQWWRXVHDQ\VSHFLILFHQYLURQPHQW
ZLWKWKHFDUNLWVHOHFWWKHRSWLRQ1RQH7KLVZD\
WKHHQYLURQPHQWZLOOQRWEHFKDQJHGDXWRPDWLFDOO\
ZKHQWKHSKRQHLVFRQQHFWHGWRWKHFDUNLW
,I\RXZDQWWRXVHVRPHRWKHUHQYLURQPHQWWKDQ
WKHGHIDXOWFDUNLWHQYLURQPHQWZKLOHWKHSKRQHLV
FRQQHFWHG WR WKH FDU NLW \RX PD\ VHOHFW DQRWKHU
HQYLURQPHQWLQWKH4XLFNPHQX
&5($7,1*1(:(19,5210(17
7RFUHDWHDQHQYLURQPHQWRI\RXURZQVHOHFW1HZ
$WPRVWWZRDGGLWLRQDOHQYLURQPHQWVFDQEHPDGH
1DPLQJWKHHQYLURQPHQW
<RXFDQFKDQJHWKHQDPHRIDQHQYLURQPHQW
ZKLFK\RXKDYHFUHDWHG\RXUVHOI
6HOHFW1DPHDQGSUHVV&+$1*(
.H\LQDQHZQDPHZLWKDOSKDQXPHULFNH\VDQG
SUHVV2.
&KDQJLQJEDVHHQYLURQPHQW
<RXFDQVHOHFWZKLFKRQHRIWKHGHIDXOWHQYLURQ
PHQWV\RXUQHZHQYLURQPHQWLVEDVHGRQ7KHLQL
WLDOYDOXHVRIDOOWKH HQYLURQPHQWVHWWLQJV ZLOOEH
FRSLHGIURPWKDWHQYLURQPHQW
6HOHFW%DVHGRQDQGSUHVV&+$1*(
6HOHFWWKHEDVHHQYLURQPHQWDQGSUHVV2.
:KHQ\RXDUHILQLVKHGSUHVV'21(,I\RX
KDYH PDGH DQ\ FKDQJHV WR WKH HQYLURQPHQW
\RXZLOOEHDVNHGLI\RXZDQWWRVDYHRUGLVFDUG
WKHP0DNH\RXUFKRLFHDQGSUHVV2.
(GLWLQJ\RXURZQHQYLURQPHQW
<RX FDQ HGLW \RXU RZQ HQYLURQPHQW LQ WKH VDPH
ZD\ DV WKH GHIDXOW HQYLURQPHQWV E\ VHOHFWLQJ LW

0$,10(186(77,1*6
ZLWK6(/(&77KHRQO\GLIIHUHQFHLVWKDW\RXFDQ
DOVRFKDQJHWKHQDPHRIWKHHQYLURQPHQW
)RUIXUWKHULQIRUPDWLRQDERXWHGLWLQJDQHQYLURQ
PHQWSOHDVHVHHWKHLQVWUXFWLRQVLQWKHFKDSWHU(G
LWLQJQRUPDOHQYLURQPHQW
'(/(7,1*$1(19,5210(17
7KH GHIDXOW HQYLURQPHQWV FDQQRW EH GHOHWHG 7R
GHOHWHRQHRI\RXURZQHQYLURQPHQWVGRDVIRO
ORZV
6HOHFWWKHHQYLURQPHQW\RXZLVKWRGHOHWHZLWK
Q
6HOHFW'HOHWHDQGSUHVV2.
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.RUFDQ
FHOWKHRSHUDWLRQE\SUHVVLQJ12
8VHULQWHUIDFH
7KLVPHQXFRQWDLQVVHWWLQJV WKDWKDYHWR GRZLWK
WKH JHQHUDO RXWORRN DQG IXQFWLRQDOLW\ RI WKH
SKRQH
3UHVV6(/(&7WRRSHQWKH8VHULQWHUIDFHPHQX
IURP6HWWLQJV
6(/(&7,1*/$1*8$*(
<RXFDQFKDQJHWKHODQJXDJHWKHSKRQHXVHV
6HOHFW/DQJXDJHDQGSUHVV&+$1*(
,IWKHFXUUHQWPHQXODQJXDJHLVQRWWKHRQH\RX
ZLVKWRXVHVHOHFWWKHGHVLUHGODQJXDJHZLWKQ
DQGSUHVV2.
:KHQWKHODQJXDJHLVVHWWR$XWRPDWLFLWPHDQVWKH
ODQJXDJHLVFKRVHQDFFRUGLQJWR\RXU6,0FDUG·V
ODQJXDJH SUHIHUHQFH ,I WKH LQIRUPDWLRQ LV QRW
DYDLODEOHDGHIDXOWPHQXODQJXDJHLVXVHG
7KLVVHWWLQJGRHVQRWDIIHFWWKHODQJXDJHXVHG
ZKHQZULWLQJLQ7PRGH

0$,10(186(77,1*6
$'-867,1*&2175$67
,QWKLVPHQX\RXFDQDGMXVWGLVSOD\FRQWUDVW
6HOHFW&RQWUDVWDQGSUHVV&+$1*(
8VHQWRVHWWKHFRQWUDVWOHYHO3UHVV2.
&RQWUDVWOHYHOFDQDOVREHVHWE\SUHVVLQJ!DQG
ZKHQWKH&RQWUDVWPHQXLWHPLVVHOHFWHG
6&5((16$9(5
7KHVFUHHQVDYHUFDQEHXVHGWRUHGXFHWKHSRZHU
FRQVXPSWLRQRIWKHSKRQHE\FOHDULQJWKHGLVSOD\
ZKHQWKHHTXLSPHQWLVQRWFRQWLQXRXVO\XVHG7KH
VDYHUZLOOEHVWDUWHGZKHQWKHSKRQHKDVQRWEHHQ
XVHGIRUDVSHFLILHGWLPH
7KHVDYHUZLOOQRWEHVWDUWHGGXULQJDFDOORUZKHQ
WKHSKRQHLVFRQQHFWHGWRDFDUNLW
7RVHWWKHLGOHWLPHRUGLVDEOHWKHIHDWXUHVHOHFW
6FUHHQVDYHUDQGSUHVV&+$1*(6HOHFWDQRS
WLRQDQGSUHVV2.
6FUHHQVDYHUGLVSOD\
7KHVFUHHQVDYHUGLVSOD\FDQEHH[LWHGE\SUHVVLQJ
DQ\NH\
$8720$7,&.(</2&.
,QWKLVPHQX\RXFDQWXUQWKHDXWRPDWLF NH\ORFN
RQRURII
:KHQDXWRPDWLFNH\ORFNLVWXUQHGRQWKHNH\SDG
ZLOOEHORFNHG LQDSSUR[LPDWHO\VHFRQGVLI QR
NH\LVSUHVVHGGXULQJWKDWWLPH
6HOHFW.H\ORFNPRGHDQGSUHVV&+$1*(
0DNHDVHOHFWLRQRIHLWKHU0DQXDORU$XWRPDWLF
DQGSUHVV2.

0$,10(186(77,1*6
7LPHVHWWLQJV
7KLV PHQX DOORZV\RX WR VHW WKH WLPH WLPH ]RQH
DQGGDWH
7KHWLPHLQIRUPDWLRQGHWHUPLQHGKHUHLVXVHGWR
JHWKHU ZLWK FDOO ORJJLQJ LQFRPLQJ PHVVDJHV DV
ZHOODVDODUPFORFNDQGWLPHUV
7LPH DQG GDWH LQIRUPDWLRQ FDQ EH UHDG IURP WKH
*36 VR WKH\ ZLOO EH DXWRPDWLFDOO\ VHW ZKHQHYHU
\RX UHFHLYH VLJQDOV IURP WKH VDWHOOLWHV 7KLV ZD\
\RXUSKRQHZLOODOZD\VVWD\RQWLPHDVORQJDV\RX
KDYH VHW \RXU WLPH ]RQH FRUUHFWO\ +RZHYHU WKLV
PHQXDOVRDOORZV\RXWRVHWWLPHDQGGDWHPDQXDO
O\LIVRGHVLUHG
3UHVV6(/(&7WRRSHQWKH7LPHPHQXIURP6HW
WLQJV
7,0(
7KLV LWHP DOORZV \RX WR VHW WKH FORFN PDQXDOO\
3OHDVHQRWHKRZHYHUWKDWWKHWLPHZLOODOZD\VEH
DXWRPDWLFDOO\VHWLI\RXDUHXVLQJ6DWHOOLWHWLPHVHH
WKHIROORZLQJLQVWUXFWLRQV
6HOHFW7LPHDQGSUHVV&+$1*(
.H\LQWKHWLPHZLWKQXPHULFNH\V3UHVV2.
'$7(
7KLV LWHP DOORZV \RX WR VHW WKH GDWH PDQXDOO\
3OHDVHQRWHKRZHYHUWKDWWKHGDWHZLOODOZD\VEH
DXWRPDWLFDOO\VHWLI\RXDUHXVLQJ6DWHOOLWHWLPHVHH
WKHIROORZLQJLQVWUXFWLRQV
6HOHFW'DWHDQGSUHVV&+$1*(
.H\LQWKHGDWHZLWKQXPHULFNH\V3UHVV2.
6$7(//,7(7,0(
<RXFDQKDYHWKHWLPHDQGGDWHDXWRPDWLFDOO\VHWWR
VDWHOOLWHWLPHZKLFKLVUHFHLYHGIURPWKH*36
6HOHFW6DWHOOLWHWLPHDQGSUHVV&+$1*(
7,0(=21(
7KH*36 VDWHOOLWHVEURDGFDVW &RRUGLQDWHG 8QLYHU
VDO7LPH87&WKHVWDQGDUGWLPHFRPPRQWRHY
HU\ SODFH LQ WKH ZRUOG 7R PDNH DXWRPDWLF FORFN
UHVHWWLQJSRVVLEOHWKLVGDWDQHHGVWREHFRUUHFWHG
WRPDWFK\RXUORFDOWLPH]RQH
6HOHFW7LPH]RQHDQGSUHVV&+$1*(
.H\LQ\RXUORFDOWLPH]RQHVKLIWZLWKQXPHULF
NH\V,IQHHGHGFKDQJHWKHVLJQZLWK
3UHVV2.

0$,10(186(77,1*6
'$</,*+76$9,1*7,0(
,IWKHGD\OLJKWVDYLQJWLPHLVLQXVHLQ\RXUFRXQWU\
\RXQHHGWRFKDQJHWKHWLPH]RQHPDQXDOO\HDFK
WLPH ZKHQ VKLIWLQJ IURP ZLQWHU WLPH WR VXPPHU
WLPHDQGYLFHYHUVD(JLQ)LQODQGWLPH]RQHLQ
ZLQWHULVEXWWLPH]RQHLQVXPPHULV
8QLWV
7KH8QLWVPHQXDOORZV\RXWRVHWWKHPHDVXUHPHQW
V\VWHPVIRUGLVWDQFHVSHHGDQGHOHYDWLRQDQGFXU
UHQF\XQLWIRUFDOOFRVWFRXQWHUV
3UHVV6(/(&7WRRSHQWKH8QLWVPHQXIURP6HW
WLQJV
',67$1&(63(('
6HOHFW'LVWDQFHVSHHGDQGSUHVV&+$1*(
6HOHFWWKH XQLWV\RX ZLVKWR XVHIRU GLVWDQFH
DQGVSHHGPHDVXUHPHQWV0HWHUV0LOHV<DUGV
RU1DXWLFDO3UHVV2.
(/(9$7,21
6HOHFW(OHYDWLRQDQGSUHVV&+$1*(
6HOHFWWKHXQLWV\RXZLVKWRXVHIRUHOHYDWLRQ
PHDVXUHPHQWV 0HWHUVRU,PSHULDO IHHW 3UHVV
2.
&855(1&<
7KHFXUUHQF\XQLWLVXVHGIRUFDOOFRVWV8VHDOHW
WHUDEEUHYLDWLRQIRUWKHFXUUHQF\
6HOHFW&XUUHQF\DQGSUHVV&+$1*(<RXPD\
QHHGWKH3,1FRGHIRUFKDQJLQJWKHVHWWLQJ
.H\ LQ WKH FXUUHQF\ XQLW ZLWK DOSKDQXPHULF
NH\V3UHVV2.,IQHHGHG\RXFDQFOHDUWKH
EXIIHUE\SUHVVLQJ&/($5IHZWLPHV

0$,10(186(77,1*6
3RZHU
,QWKLVPHQX\RXFDQPDNHWKHSKRQHWXUQLWVHOIRQ
DQGRIIDWVSHFLILHGWLPHV
3UHVV6(/(&7WRRSHQWKH3RZHUPHQXIURP6HW
WLQJV
32:(5217,0(5
:KHQ WKH 3RZHU RQ WLPHU LV DFWLYDWHG WKH SKRQH
WXUQVLWVHOIRQHYHU\GD\DWWKHVDPHWLPH
7RFKDQJHWKHVHWWLPHRIWKHWLPHUVHOHFW3RZHU
21 WLPHUDQGSUHVV&+$1*(.H\LQDWLPH
ZLWKWKHQXPHULFNH\VDQGSUHVV2.
7RWXUQWKHWLPHURQRURIIVHOHFW$FWLYHDQG
SUHVV&+$1*(
32:(52))7,0(5
:KHQ WKH 3RZHU RII WLPHU LV DFWLYDWHG WKH SKRQH
WXUQVLWVHOIRIIHYHU\GD\DWWKHVDPHWLPH
7KH3RZHU RIIWLPHULVVHWLQWKHVDPHZD\DVWKH
3RZHURQWLPHU
*60
7KLV PHQX FRQWDLQV VHWWLQJV UHODWHG WR FDOOV DQG
PHVVDJHV
3UHVV6(/(&7WRRSHQWKH*60PHQXIURP6HW
WLQJV
0(66$*(6(783
,QWKLVPHQX\RXFDQVWRUHDQGFKDQJHWKHQXPEHU
RI\RXUYRLFHPDLOVHUYLFHDQGWKHQXPEHURIWKH
VKRUWPHVVDJHFHQWUH<RXFDQDOVRGHWHUPLQHVHW
WLQJV IRU RWKHU PHVVDJH RSHUDWLRQV VXFK DV PHV
VDJHW\SHDQGYDOLGLW\
7KH 6KRUW 0HVVDJH 6HUYLFH 606 DQG WKH 9RLFH
PDLO6HUYLFHDUHQHWZRUNIHDWXUHV
606VHUYLFHQXPEHU
<RXQHHGWRVHWWKHFRUUHFW606QXPEHUWRVHQG
PHVVDJHV 7KH 606 QXPEHU FDQ EH IRXQG HJ LQ
WKHPDQXDORI\RXUORFDOQHWZRUNRSHUDWRU
3UHVV&+$1*(3UHVV&/($5WRUHPRYHDQ\
LQFRUUHFW GLJLWV DQG NH\ LQ WKH FRUUHFW QXPEHU
3UHVV2.ZKHQGRQH

0$,10(186(77,1*6
0HVVDJHW\SH
,QWKLVVXEPHQX\RXFDQFKRRVHWKHNLQGRIPHV
VDJHW\SH\RXDUHSURFHVVLQJIURPWKHVHRSWLRQV
WH[WID[;HPDLOHUPHVRUGDWD
3UHVV &+$1*(6HOHFW DQ RSWLRQ ZLWK Q 3UHVV
2.
0HVVDJHYDOLGLW\
,QWKLVVXEPHQX\RXFDQFKRRVHWKHYDOLGLW\SHUL
RG IRU PHVVDJHV IURP WKHVH RSWLRQV KRXU
KRXUVKRXUVZHHNRUPD[LPXPWLPH
3UHVV &+$1*(6HOHFW DQ RSWLRQ ZLWK Q 3UHVV
2.
9RLFHPDLOQXPEHU
<RXQHHGWKHYRLFHPDLOQXPEHUWROLVWHQWRWKH
PHVVDJHV OHIW IRU \RX 7KH VDPH QXPEHU LV DOVR
XVHGLQFRQQHFWLRQZLWKWKHIXQFWLRQ&DOOGLYHUWV
3UHVV&+$1*(.H\LQWKHFRUUHFWQXPEHUDQG
SUHVV2.
%52$'&$676(783
7KLV PHQX FRQWDLQV VHWWLQJV UHODWHG WR EURDGFDVW
PHVVDJHV
$FFHSWEURDGFDVWV
7KLVRSWLRQOHWV\RXVSHFLI\ZKHWKHU\RXZLVKWR
DFFHSWEURDGFDVWPHVVDJHVVXFKDVDGYHUWLVHPHQWV
ZHDWKHU IRUHFDVWV WUDIILF UHSRUWV DQG VSRUWV UH
VXOWV
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
%DVHVWDWLRQ,'
%DVH VWDWLRQ ,' LQGLFDWHV WKH DUHD LQ ZKLFK \RXU
SKRQHLVDWWKHYHU\PRPHQW,IWKHRSWLRQLVVHW
RQWKHLGHQWLILHUWH[WRIWKHEDVHVWDWLRQLVVKRZQ
LQVWDQGE\PRGH1RWHWKDWQRWDOOQHWZRUNVXVH
DQLGHQWLILHU
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII

0$,10(186(77,1*6
0HVVDJHW\SHV
,I\RXKDYHWXUQHGRQWKHRSWLRQ$FFHSW EURDG
FDVWVDOONLQGVRIJHQHUDOPHVVDJHVFDQEHEURDG
FDVWWR\RX,QWKLVVXEPHQX\RXFDQDGGRUGHOHWH
FHUWDLQPHVVDJHW\SHVHJDGYHUWLVHPHQWVZKLFK
\RXGRRUGRQRWZDQWWRDFFHSW
7KH EURDGFDVW PHVVDJH W\SHV DUH LGHQWLILHG E\
QXPEHUV,QRUGHUWRILQGRXWZKLFKQXPEHUFRU
UHVSRQGVWRDFHUWDLQPHVVDJHW\SHSOHDVHFRQWDFW
\RXUQHWZRUNRSHUDWRU
6HOHFW 7\SHV DQG SUHVV 6(/(&7 WR HQWHU WKLV
PHQX
'HOHWLQJDPHVVDJHW\SH
8VHQWRVHOHFWWKHQXPEHURIDW\SHZKLFK\RX
GRQRWZDQWWRDFFHSWDQGSUHVV'(/(7(
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.RUFDQ
FHOWKHRSHUDWLRQE\SUHVVLQJ12
$GGLQJDQHZPHVVDJHW\SH
6HOHFW1HZDQGSUHVV6(/(&7
<RXZLOOEHDVNHGIRUWKHQHZEURDGFDVWPHV
VDJHW\SH.H\LQWKHQXPEHUDQGSUHVV2.
0HVVDJHODQJXDJHV
$VDGHIDXOWVHWWLQJEURDGFDVWPHVVDJHVZLOOEH
EURDGFDVWLQDOOSRVVLEOHODQJXDJHV7RLJQRUHWKH
PHVVDJHVVHQWLQDQXQIDPLOLDUODQJXDJHGRDVIRO
ORZV
6HOHFW/DQJXDJHV3UHVV6(/(&7
8VHQWRVHOHFWDODQJXDJHDQGSUHVV
&+$1*(WRWXUQLWRQRURII
:KHQILQLVKHGSUHVV'21(
$1<.(<$16:(5
,IWKH$Q\NH\DQVZHULVWXUQHGRQ\RXFDQDQVZHU
DQLQFRPLQJFDOOE\SUHVVLQJDQ\NH\QRWMXVWO
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
$872$16:(5
,IWKH$XWRDQVZHULVWXUQHGRQDQLQFRPLQJFDOOLV
DXWRPDWLFDOO\ DQVZHUHG DIWHU FHUWDLQ QXPEHU RI
ULQJV
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII

0$,10(186(77,1*6
',$//,1*35(),;
$GLDOOLQJSUHIL[LVVHQWWRWKHQHWZRUNEHIRUHDQ\
GLDOOHGQXPEHU 7KLVNLQG RISUHIL[FRXOG EHHJ
ZKLFK WHOOV WKH QHWZRUN QRW WR VKRZ WKH
FDOOHUVQXPEHUZKHQPDNLQJFDOOVZRUNVWKH
RWKHUZD\DURXQG
,QWKLVPHQX\RXFDQDGGGLDOOLQJSUHIL[HVDQGVH
OHFWRQHRIWKHPIRUXVH
3UHVV&+$1*(WRHQWHUWKLVPHQX
8VLQJDSUHIL[
6HOHFWDSUHIL[IURPWKHOLVWDQGSUHVV2.,I\RX
GRQRWZDQWWRXVHDGLDOOLQJSUHIL[DWDOOFKRRVH
2II
$GGLQJDSUHIL[
6HOHFW1HZDQGSUHVV6(/(&7
<RXZLOOEHDVNHGIRUDQHZGLDOOLQJSUHIL[.H\
LWLQDQGSUHVV2.
5(',$/0(025<
,IWKH5HGLDOPHPRU\LVWXUQHGRQWKHODVWGLDOOHG
QXPEHUVDUHVWRUHGLQWRPHPRU\7KHVHQXPEHUV
FDQ EH UHFDOOHG E\ SUHVVLQJOLQVWDQGE\PRGH
ZKHQQRQXPEHUVKDYHEHHQNH\HGLQ
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
48,&.',$//,1*
:KHQWKHTXLFNGLDOOLQJRSWLRQLVWXUQHGRQ\RX
FDQFDOOTXLFNO\WRWKRVHSKRQHQXPEHUVVWRUHGLQ
WKHSKRQHERRNHQWULHV
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
*6002'8/(
,QWKLVPHQX\RXFDQWXUQWKH*60PRGXOHRQRU
RII
6HOHFW*60PRGXOHDQGSUHVV&+$1*(
0DNHDVHOHFWLRQRIHLWKHU2QRU2IIDQGSUHVV
2.
:KHQWKH*60PRGXOHLVRIILWZLOOQRWVHQGRUUH
FHLYHUDGLRIUHTXHQF\VLJQDOV7KLVKDVWKHIROORZ
LQJHIIHFWV

0$,10(186(77,1*6
1R FDOOV LQFOXGLQJ HPHUJHQF\ FDOOV FDQ EH
PDGHRU UHFHLYHG,W ZLOOVHHPWR DQ\RQHWU\LQJ
WRFDOO\RXDVLI\RXUSKRQHLVRII
1R VKRUW PHVVDJHV LQFOXGLQJ )ULHQG )LQG PHV
VDJHVHWFFDQEHVHQWRUUHFHLYHG
3RZHU FRQVXPSWLRQ RI WKH SKRQH LV ORZHUHG
HVSHFLDOO\ZKHQLQDUHDVZLWKQR*60QHWZRUN
FRYHUDJH
*36
,QWKLVPHQX\RXFDQDGMXVWPDSDQGQDYLJDWLRQ
VHWWLQJV
3UHVV6(/(&7WRRSHQWKH*36PHQXIURP6HW
WLQJV
0$3'(7$,/6
,QWKLVPHQX\RXFDQGHWHUPLQHWKHRXWORRNRIWKH
0DSQDYLJDWRUSDJH
6HOHFW0DSGHWDLOVDQGSUHVV6(/(&7WRHQWHUWKH
PHQX
$XWRVFUROOLQJ
:KHQWKHDXWRVFUROOLQJRSWLRQLVWXUQHGRQWKH
PDSZLOOEHFRQVWDQWO\VFUROOHG WRNHHSWKH SRVL
WLRQPDUNHULQWKHPLGGOH2WKHUZLVHWKHPDSLV
RQO\VFUROOHGZKHQWKHPDUNHULVDERXWWRPRYHRII
WKHGLVSOD\
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII

0$,10(186(77,1*6
6KRZGDWDILHOGV
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRVHH WKHWZR DGGLWLRQDOGDWD ILHOGVRQWKH
0DSQDYLJDWRUSDJH
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
<RXFDQDOVRTXLFNO\WXUQWKHGDWDILHOGVRQRURII
E\SUHVVLQJRQWKH0DSQDYLJDWRUSDJH
6KRZODEHOV
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRVHHZD\SRLQWDQGIULHQGSRLQWODEHOVRQWKH
PDS
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
6KRZURXWH
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRVHHWKHZD\SRLQWVRIWKHGHVWLQDWLRQURXWH
MRLQHGE\OLQHVRQWKHPDS
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
6KRZWUDFH
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRVHHWKHWUDFHOHIWE\\RXUPRYHPHQWRQWKH
PDS
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
&OHDUWUDFH
7KLVRSWLRQDOORZV\RXWRFOHDU\RXUWUDFHRQWKH
PDSDQGVWDUWGUDZLQJLWIURPWKLVSRLQWRQZDUGV
7RKLGHWKHWUDFHDOWRJHWKHUDOVRWXUQRIIWKH6KRZ
WUDFHRSWLRQ
3UHVV2.WRFOHDUWKHWUDFH
3UHIHUUHGPDSW\SH
:KHQ \RX KDYH PRUH WKDQ RQH PDS ORDGHG LQWR
\RXU SKRQH WKH PRVW DFFXUDWH RQH DYDLODEOH IRU
\RXUSRVLWLRQ ZLOOJHQHUDOO\EH XVHG,Q WKLVVXE
PHQX\RX FDQVHW WKHPDSW\SH \RXSUHIHU <RX
FDQFKRRVHIURPWKHIROORZLQJRSWLRQV
$Q\ 7KH SKRQH ZLOO DOZD\V XVH WKH PRVW DFFX
UDWHPDSDYDLODEOH
&LW\
5RDG 7RSRJUDSKLFRU1DXWLFDO 7KH SKRQH
ZLOO XVH D PDS RI WKH FKRVHQ W\SH ZKHQ DYDLO
DEOH,IQRWLWZLOOFKRRVHDQRWKHUPDSDFFRUGLQJ

0$,10(186(77,1*6
WRLWVVLPLODULW\WRWKHSUHIHUUHGW\SH
1RQH7KHSKRQH QHYHUXVHV DPDSHYHQ ZKHQ
RQHLVDYDLODEOH
7RFKDQJHWKHSUHIHUUHGPDSW\SHGRDVIROORZV
6HOHFW3UHIHUUHGPDSW\SH3UHVV&+$1*(
6HOHFWDQRSWLRQDQGSUHVV2.
326,7,21,1*
:KHQ XVLQJ WKH PRELOH SKRQH SRVLWLRQLQJ DORQJ
ZLWKVRPHVHSDUDWHPDSHJDSDSHUPDSWKH*36
SRVLWLRQIRUPDWDQGPDSGDWXPQHHGWRPDWFKWKH
SRVLWLRQIRUPDWDQGPDSGDWXPOLVWHGRQWKHFRU
UHVSRQGLQJSDSHUPDS
7KH VHWWLQJV EHORZ DUH FRUUHFWLRQ IDFWRUV ZKLFK
ZLOOEHDSSOLHGWR*36SRVLWLRQIL[HVEHIRUHWKH\
DUHGLVSOD\HG
3RVLWLRQIRUPDW
3RVLWLRQIRUPDWLQGLFDWHVWKHZD\WKHSRVLWLRQZLOO
EHGLVSOD\HG7KHSRVLWLRQFDQEHGLVSOD\HGHLWKHU
E\WKHPRVWFRPPRQODWLWXGHORQJLWXGHV\VWHPRU
VRPHRWKHUFRRUGLQDWHPHDVXULQJV\VWHP
6HOHFW3RVLWLRQIRUPDWDQGSUHVV&+$1*(
6HOHFWDQRSWLRQZLWKQ3UHVV2.
<RXFDQFKRRVHLQZKLFKIRUPDW\RX ZDQWWRVHH
WKHFRRUGLQDWHV
,QGHJUHHVPLQXWHVDQGVHFRQGV
KGGGPP¶VVV¶¶
,QGHJUHHVDQGPLQXWHVKGGGPPPPP¶
,QGHJUHHVRQO\KGGGGGGGG
,QRQHRIWKHSUHGHILQHGJULGIRUPDWV
,Q8VHU870JULG,QFDVH\RXQHHGWRXVHDJULG
ZKLFKLVQRWDYDLODEOHLQWKHOLVW\RXFDQFUHDWHD
XVHU870JULGWRPDWFK\RXUSDSHUPDS6HOHFWD
OLQHE\SUHVVLQJQDQG&+$1*()LOOLQWKHGLJ
LWVDQGSUHVV2.&RPSOHWHWKHJULGE\SUHVV
LQJ'21(
2QWKH3RVLWLRQSDJHDQGLQRWKHUVLPLODUSODFHVVH
OHFWHGSRVLWLRQIRUPDWLVVKRZQDEEUHYLDWHG
0DSGDWXP
0DSGDWXPVXFKDV:*6GHWHUPLQHVDVWDUWLQJ
UHIHUHQFHSRLQWIRUVHOHFWHGSRVLWLRQIRUPDWDVZHOO
DVWKHVKDSHRIDQHOOLSVRLG
6HOHFW0DSGDWXPDQGSUHVV&+$1*(
6HOHFWDQRSWLRQZLWKQ3UHVV2.

0$,10(186(77,1*6
<RXFDQVHOHFWRQHRIWKHSUHGHILQHGPDS
GDWXPVVKRZQLQWKHOLVW
<RXFDQFUHDWH\RXURZQGDWXPLH8VHUGDWXP
DVZHOO:KHQFUHDWLQJWKHXVHUGDWXPWKHILUVW
WZROLQHVLQGLFDWHWKHVWDUWLQJSRLQWRIWKHFRRU
GLQDWHVZKLOHWKHUHVWWZROLQHVLQGLFDWHWKH
VKDSHRIWKHHOOLSVRLGZKLFKLVXVHGWRUHSUHVHQW
WKHVKDSHRIWKH(DUWK
&2856($/(576
,QWKLVPHQX\RXFDQVHWXSDOHUWVWREHXVHGZKHQ
\RXDUHJRLQJRIIFRXUVHRUDUULYLQJDW\RXUGHVWL
QDWLRQ
6HOHFW&RXUVHDOHUWVDQGSUHVV6(/(&7WRHQWHU
WKHPHQX
$UULYDODOHUW
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRJHWDQDOHUWZKHQ\RXDUULYHDW\RXUGHVWL
QDWLRQ7KHGHVWLQDWLRQFDQEHDZD\SRLQWDIULHQG
SRLQWRUWKHODVWSRLQWRIDURXWH
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
$UULYDOGLVWDQFH
,QWKLVPHQX\RXFDQFKRRVHWKHGLVWDQFHWRXVHIRU
DUULYDODOHUWV
6HOHFW$UULYDOGLVWDQFHDQGSUHVV&+$1*(
6HOHFWDQRSWLRQ3UHVV2.
&RQILUPDUULYDO
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWRFRQILUPWKHDUULYDOWRDSRLQWRQDURXWHEH
IRUHVWDUWLQJWRQDYLJDWHWRWKHQH[WRQH
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
2IIFRXUVHDOHUW
7KLVRSWLRQOHWV\RXVSHFLI\ZKHWKHU\RXZDQWWR
JHWDQDOHUWZKHQ\RXGHYLDWHWRRPXFKIURPWKH
GLUHFWSDWKWRWKHSRLQW\RXDUHQDYLJDWLQJWR
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
2IIFRXUVHGLVWDQFH
,QWKLVVXEPHQX\RX FDQ FKRRVH WKHGLVWDQFHWR
XVHIRURIIFRXUVHDOHUWV
6HOHFW2IIFRXUVHGLVWDQFH3UHVV&+$1*(
6HOHFWDQRSWLRQDQGSUHVV2.

0$,10(186(77,1*6
/()7$1'5,*+7'$7$),(/'
<RXFDQVHHWZRGDWDILHOGVRQWKH0DSDQG*XLGH
QDYLJDWRUSDJHV,QWKHVHWZRPHQXV\RXFDQVSHF
LI\WKHW\SHRILQIRUPDWLRQ\RXZDQWWRVHHLQHDFK
RIWKHP<RXFDQFKRRVHPRUHWKDQRQHRSWLRQIRU
HDFKGDWDILHOGLQZKLFKFDVHWKHFRQWHQWVRIWKH
ILHOGFKDQJHF\FOLFDOO\
<RXFDQVHOHFWWKHGDWDILHOGFRQWHQWVDVIROORZV
6HOHFWHLWKHU/HIWGDWDILHOGRU5LJKWGDWDILHOGDQG
SUHVV 6(/(&7 WR HQWHU WKH DSSURSULDWH VXE
PHQX
8VHQWRVHOHFWDQRSWLRQDQGSUHVV&+$1*(
WRWXUQLWRQRURII
:KHQILQLVKHGSUHVV'21(
'DWDILHOGFRQWHQWV
6SHHG&XUUHQWJURXQGVSHHG
$YHUDJHVSHHG$YHUDJHJURXQGVSHHG
7RSVSHHG7RSJURXQGVSHHG
2GRPHWHU*URXQGGLVWDQFHWUDYHOOHG
7UDYHOWLPH7LPHWUDYHOOHGVLQFHWKHPHWHUVZHUH
ODVWUHVHW
(OHYDWLRQ(OHYDWLRQIURPK\SRWKHWLFDOVHDOHYHO
1H[WGHVWLQDWLRQ1DPHRIQH[WZD\SRLQWRQURXWH
RUQDPHRIZD\SRLQWRUIULHQGSRLQWVHWDVGHVWLQD
WLRQ
/DVWGHVWLQDWLRQ1DPHRIODVWZD\SRLQWRQURXWH
'LVWDQFH WR QH[W*URXQGGLVWDQFHWRQH[WZD\
SRLQWRQURXWHRUGLVWDQFHWRZD\SRLQWRUIULHQG
SRLQWXVHGDVGHVWLQDWLRQ
'LVWDQFHWRODVW*URXQGGLVWDQFHWRODVWSRLQWRQ
URXWH
(7(WRQH[W(VWLPDWHG7LPH(QURXWH(VWLPDWHG
WLPHQHHGHGWRUHDFKQH[WZD\SRLQWRQURXWHRUWR
UHDFKDZD\SRLQWRUDIULHQGXVHGDVGHVWLQDWLRQ
(7( WR ODVW (VWLPDWHG WLPH QHHGHG WR UHDFK ODVW
ZD\SRLQWRQURXWH
(7$DWQH[W(VWLPDWHG7LPHRI$UULYDO(VWLPDWHG
WLPH RI DUULYDO DW QH[W ZD\SRLQW RQ URXWH RU DW
ZD\SRLQWRUIULHQGXVHGDVGHVWLQDWLRQ
(7$ DW ODVW(VWLPDWHGWLPHRIDUULYDODWODVWZD\
SRLQWRQURXWH
2II FRXUVH GLVWDQFH IURP FRUUHFW FRXUVH OHIW RU
ULJKW

0$,10(186(77,1*6
7XUQ $QJOH EHWZHHQ EHDULQJ WR GHVWLQDWLRQ DQG
FXUUHQWWUDFNLQFOXGLQJDOHWWHUOHIWULJKWLQGL
FDWLQJWKHUHFRPPHQGHGGLUHFWLRQWRWXUQWR
'DWH&XUUHQWGDWH
7LPH&XUUHQWWLPH
87& 8QLYHUVDO WLPH FRQVWDQW :RUOG VWDQGDUG
WLPH$OVRNQRZQDV*UHHQZLFK0HDQ7LPH*07
'DZQ7LPHRIGDZQHQGRIGDUNQHVVRQFXUUHQW
GD\
6XQULVH7LPHRIVXQULVHRQFXUUHQWGD\
6XQVHW7LPHRIVXQVHWRQFXUUHQWGD\
'XVN7LPHRIGXVNEHJLQQLQJRIGDUNQHVVRQ
FXUUHQWGD\
0DLGHQKHDG&XUUHQWSRVLWLRQLQ0DLGHQKHDGFR
RUGLQDWHV
10($287387
,QWKLVPHQX\RXFDQWXUQWKH10($RXWSXWRQRU
RII 7KLV SKRQH VXSSRUWV WKH 10($ SURWRFRO
ZKLFKLVXVHGIRUWUDQVIHUULQJSRVLWLRQGDWDEH
WZHHQWKHSKRQHDQGVRPHQDYLJDWLRQV\VWHPVHJ
DPDSVRIWZDUH)RUWKHFRQQHFWLRQ\RXDOVRQHHG
DVHSDUDWH10($FDEOHZKLFKLVVROGDVDQDFFHVVR
U\
3UHVV &+$1*( WR WXUQ WKH RSWLRQ RQ RU RII
+LJKOLJKWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV
2.%\VHOHFWLQJDWUDQVIHUULQJVSHHG\RXZLOOWXUQ
WKH10($RXWSXWRQ
:KHQWKH10($RXWSXWLVWXUQHGRQWKHSKRQH
ZLOOFRQVXPHVOLJKWO\PRUHSRZHU
$*36
,QWKLVPHQX\RXFDQVSHFLI\VHWWLQJVIRURUGHULQJ
DVVLVWHG*36$*36LQIRUPDWLRQIURPDVHUYLFH
SURYLGHU 7KH $*36 FRQWDLQV HSKHPHULV LQIRUPD
WLRQIURPDJLYHQQXPEHURIVDWHOOLWHV,WLVXVHGIRU
VSHHGLQJXSWKHLQLWLDOSRVLWLRQIL[7KH$*36LQ
IRUPDWLRQ PD\ DOVR KHOS LQ ILQGLQJ VDWHOOLWHV DQG
JHWWLQJSRVLWLRQLQGLIILFXOWFRQGLWLRQV
(QWHUWKH$*36PHQXE\SUHVVLQJ6(/(&7

0$,10(186(77,1*6
3UHVV&+$1*( DQGNH\LQWKHSKRQHQXPEHU
RI WKH $*36 VHUYLFH %\ SUHVVLQJ 5($' \RX
FDQ DOVR UHFDOO WKH QXPEHU IURP \RXU SKRQH
ERRN 7KH QXPEHU LV QHHGHG IRU VHQGLQJ DQ
$*36UHTXHVW
3UHVV&+$1*( DQGVHOHFW ZLWKQWKHQXPEHU
RIVDWHOOLWHV+RZHYHUSOHDVHQRWHWKDWWKHPRUH
VDWHOOLWHVVHOHFWHGWKHKLJKHUWKHFKDUJHZLOOEH
5(6(7326,7,21
7KLVRSWLRQDOORZV\RXWRUHVHW\RXUSRVLWLRQLQIRU
PDWLRQ8VHLWLIWKH*36UHFHLYHUKDVWURXEOHFDOFX
ODWLQJ \RXU SRVLWLRQ WKLV FRXOG KDSSHQ HJ DIWHU
ORQJ LQWHUQDWLRQDO IOLJKWV RU H[WHQGHG SHULRGV RI
WLPHZKHQWKH*36UHFHLYHUKDVQRWEHHQXVHGDW
DOO
5HVHWSRVLWLRQE\SUHVVLQJ2.
+HOSGHVN
,I\RXQHHGDVVLVWDQFHZKHQXVLQJ\RXU%HQHIRQ
(VFSKRQHDQGPDSV\RXFDQVHQGDKHOSUHTXHVW
WR%HQHIRQ(VF+HOSGHVNVHUYLFH$WHFKQLFDOVXS
SRUWSHUVRQZLOOWKHQJLYH\RXDFDOO7KHUHDUHXV
DJHOLPLWDWLRQVWRWKLVVHUYLFH
(QWHUWKH+HOSGHVNVHWWLQJVPHQXE\SUHVVLQJ
6(/(&7
180%(5
7KLVRSWLRQDOORZV\RXWRVHWWKHSKRQHQXPEHURI
WKH+HOSGHVNVHUYLFH7KHGHIDXOWSKRQHQXPEHU
LV %HQHIRQ (VF LQWHUQDWLRQDO +HOS GHVN VHUYLFH
QXPEHUZKLFK\RXPD\ZDQWWRFKDQJHWRDUHJLRQ
VSHFLILFRQHLIDYDLODEOH
6HOHFW1XPEHU3UHVV&+$1*(
.H\LQWKHQXPEHUDQGSUHVV2.
/$1*8$*(
7KLVRSWLRQVDOORZV\RXWRVHOHFWWKHODQJXDJHWKDW
\RX SUHIHU VSHDNLQJ ZLWK WKH WHFKQLFDO VXSSRUW
SHUVRQ
6HOHFW/DQJXDJH3UHVV&+$1*(
6HOHFWDQRSWLRQZLWKQDQGSUHVV2.

0$,10(186(77,1*6
(PHUJHQF\FDOOVWR
SUHGHWHUPLQHGQXPEHUV
,QDFDVHRIGLUHHPHUJHQF\LWLVXVHIXOWRKDYH
\RXU SKRQH VHQG \RXU SRVLWLRQ LQIRUPDWLRQ DQG
PDNHFDOOVWRSUHGHWHUPLQHGSKRQHQXPEHUVDWD
SUHVVRIDVLQJOHEXWWRQ,QWKLVPHQX\RXFDQVHW
WKHRSWLRQVUHODWHGWRWKLVHPHUJHQF\F\FOH
3UHVV6(/(&7 WR RSHQ WKH (PHUJHQF\ FDOOV
PHQXIURP6HWWLQJV
7KHHPHUJHQF\FDOOVGHVFULEHGKHUHKDYHQRWKLQJ
WRGRZLWKFDOOLQJWKHORFDO HPHUJHQF\ QXPEHU
HJLQ)LQODQG
(0(5*(1&<.(<
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWKHbNH\WREHXVHGDVDQHPHUJHQF\NH\
:KHQWKLVRSWLRQLVQRWXVHGWKHHPHUJHQF\F\FOH
FDQQRWEHVWDUWHGDWDOO
3UHVV&+$1*(WRWXUQWKLVRSWLRQRQRURII
(',70(66$*(
<RXFDQVSHFLI\WKHVKRUWPHVVDJHWKDWZLOOEHDX
WRPDWLFDOO\VHQWWRQXPEHUVVSHFLILHGLQWKHFDOOOLVW
LQFDVHRIHPHUJHQF\
7KHHPHUJHQF\ PHVVDJHZLOO DOZD\VFRQWDLQ \RXU
SRVLWLRQ DQG RWKHU UHOHYDQW GDWD EXW E\ ZULWLQJ
WKLVPHVVDJH\RXFDQDGGWH[WWRLW6RPHVXJJHV
WLRQVIRUWKLVDGGLWLRQDOLQIRUPDWLRQLQFOXGHPHGL
FDODOOHUJLHVKHDUWGLVHDVHGLDEHWHVDQGVRRQ
6HOHFW(GLWPHVVDJHDQGSUHVV6(/(&7
7KHPHVVDJHLVHGLWHGOLNHDVWDQGDUGQRWH)RU
IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
0DLQPHQX$FFHVVRULHV1RWHSDG
3UHVV6$9(ZKHQ\RXDUHILQLVKHG
&$///,67
7KHHPHUJHQF\FDOOOLVWLVDQRUGHUHGOLVWRISKRQH
QXPEHUVZKLFKDUHXVHGIRUVHQGLQJPHVVDJHVDQG
PDNLQJFDOOV,QLWLDOO\WKHFDOOOLVWLVHPSW\EXW\RX
FDQDGGHGLWRUUHPRYHLQIRUPDWLRQLQLW
7KHQXPEHURIHQWULHVLQWKHFDOOOLVWLVOLPLWHG
6HOHFW&DOOOLVWDQGSUHVV6(/(&7

0$,10(186(77,1*6
$GGLQJDQHPHUJHQF\FDOO
7RDGGWKHILUVWFDOOWRWKHOLVWSUHVV,16(57
3UHVV&+$1*(DQGNH\LQWKHUHFHLYHUVSKRQH
QXPEHU <RX FDQ DOVR UHFDOO LW IURP WKH SKRQH
ERRNE\SUHVVLQJ6($5&+
1H[W\RXFDQFKRRVHZKHWKHUWKHSKRQHQXPEHU
VKRXOGUHFHLYHDFDOOWKHHPHUJHQF\VKRUWPHV
VDJHRUERWK6FUROODQGFKHFNWKHGHVLUHGRSWLRQV
([LWWKHPHQXE\SUHVVLQJ'21(6DYHWKHFXU
UHQWVHWWLQJVE\SUHVVLQJ2.RUFDQFHOWKHPE\
SUHVVLQJ12
7RDGGPRUHFDOOVWRWKHOLVWVHOHFWDQH[LVWLQJ
QXPEHUDQGSUHVV6(/(&76HOHFWWKHFDOOLQJRU
GHUZKHWKHU\RXZDQWWRLQVHUWWKLVQHZFDOOEH
IRUHRUDIWHUWKHVHOHFWHGFDOOLQWKHOLVW3UHVV
6(/(&7
(GLWLQJDQHPHUJHQF\FDOO
7RHGLWDQXPEHULQWKHOLVWVHOHFWWKHQXPEHULQ
TXHVWLRQDQGSUHVV6(/(&7
6FUROODQGVHOHFW(GLW
7RFKDQJHWKHSKRQHQXPEHUVHOHFW1XPEHUDQG
SUHVV&+$1*(5HPRYHQXPEHUVE\SUHVVLQJ
&/($5 $GG QXPEHUV E\ SUHVVLQJ QXPHULF
NH\V7RDGGDSUHIL[SUHVVQ3UHVV2.
6FUROODQGFKHFNWKHRWKHURSWLRQVE\SUHVVLQJQ
DQG&+$1*(
)LQDOO\H[LWWKHPHQXE\SUHVVLQJ'21( 6DYH
WKH FXUUHQW VHWWLQJV E\ SUHVVLQJ 2. RU FDQFHO
WKHPE\SUHVVLQJ12
'HOHWLQJDQHPHUJHQF\FDOO
7RUHPRYHDQXPEHULQWKHOLVWVHOHFWWKHQXPEHU
LQTXHVWLRQDQGSUHVV6(/(&7
6FUROODQGVHOHFW'HOHWH
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.RUFDQFHO
WKHRSHUDWLRQE\SUHVVLQJ12
0$.,1*(0(5*(1&<&$//6
7RVWDUWPDNLQJHPHUJHQF\FDOOVSUHVVDQGKROGb
IRUILYHVHFRQGV7KLVZRUNVLQVWDQGE\PRGHRULQ
DQ\RIWKHQDYLJDWRUSDJHVDQGHYHQZKHQWKHNH\
ERDUGLVORFNHG3OHDVHQRWHKRZHYHUWKDWWKH
(PHUJHQF\NH\RSWLRQKDVWREHWXUQHGRQIRU
WKLVWRZRUN
$IWHU SUHVVLQJ WKH HPHUJHQF\ NH\ IRU D IHZ VHF
RQGV\RXZLOOVHHWKHIROORZLQJWH[W6WDUWLQJHPHU
JHQF\FDOOVLQVHFRQGV

0$,10(186(77,1*6
<RXKDYHWKHQILIWHHQVHFRQGVWRFDQFHOWKHRSHUD
WLRQE\SUHVVLQJ&$1&(/,I\RXGRQRWGRWKLV
RULI\RXSUHVV2.WKHHPHUJHQF\F\FOHZLOOEH
VWDUWHG
)LUVWHPHUJHQF\VKRUWPHVVDJHVFRQWDLQLQJ\RXU
SRVLWLRQDQGDQ\DGGLWLRQDOWH[W\RXPD\KDYHSUR
YLGHG ZLOO EH VHQW WR DOO QXPEHUV LQ WKH FDOO OLVW
VSHFLILHGDVPHVVDJHUHFLSLHQWV
1H[WDYRLFHFDOOLVPDGHWRHDFKQXPEHULQWKHOLVW
VSHFLILHGDVDYRLFHFDOOUHFLSLHQW$FDOOZLOOEHDW
WHPSWHGWRDQXPEHUWKUHHWLPHVDIWHUZKLFKWKH
QXPEHU LV VNLSSHG DQG WKH QH[W QXPEHU ZLOO EH
WULHG
<RXFDQVWRSWKHHPHUJHQF\F\FOHDQGWKXVVWRS
VHQGLQJDQ\PRUHPHVVDJHVDQGPDNLQJDQ\PRUH
FDOOVE\SUHVVLQJ&$1&(/DWDQ\WLPH
6HFXULW\
7KLV PHQX FRQWDLQV VHWWLQJV UHODWHG WR PDQDJLQJ
VHFXULW\FRGHV
3UHVV6(/(&7WRRSHQWKH6HFXULW\PHQXIURP
6HWWLQJV
$6.3,1&2'(
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWKH3,1FRGHWREHDVNHGZKHQWKHSKRQHLV
WXUQHGRQ
6HOHFW$VN3,1 FRGHDQG SUHVV&+$1*(WR
WXUQWKLVRSWLRQRQRURII
<RXZLOOEHDVNHGIRUWKH3,1FRGH.H\LWLQDQG
SUHVV2.
3OHDVHQRWHWKDWVRPH6,0FDUGVGRQRWDOORZWXUQ
LQJWKLVRSWLRQRII
$6.3+21(&2'(
7KLV RSWLRQ DOORZV \RX WR VSHFLI\ ZKHWKHU \RX
ZDQWWKHSKRQHFRGHWREHDVNHGZKHQ\RXDUHUH
VHWWLQJWKHFDOOFRXQWHUV7KHSKRQHFRGHLVDVVRFL
DWHGZLWKWKHSKRQHLWVHOIQRWWKH6,0FDUG

0$,10(186(77,1*6
6HOHFW$VNSKRQHFRGHDQGSUHVV&+$1*(WR
WXUQWKLVRSWLRQRQRURII
<RXZLOOEHDVNHGIRUWKHSKRQHFRGH.H\LWLQ
DQGSUHVV2.
&+$1*(3,1&2'(
,QWKLVPHQX\RXFDQFKDQJHWKH3,1FRGHLQ\RXU
6,0FDUG
3UHVV&+$1*(
)LUVWNH\LQWKHFXUUHQW3,1FRGHWKHQWKHQHZ
FRGHDQGILQDOO\UHSHDWWKHQHZFRGHE\NH\LQJ
LWLQDJDLQ3UHVV1(;7DIWHUHDFKOHYHO
,IWKHFXUUHQW3,1FRGHPDWFKHVWKH3,1FRGH
VWRUHG LQWKH 6,0 FDUG DQG WKH WZR QHZ3,1
FRGHV PDWFK HDFK RWKHU WKH WH[W 3,1 FRGH
FKDQJHGZLOOEHGLVSOD\HG
:KHQFKDQJLQJWKH3,1FRGHWKH$VN3,1FRGHRS
WLRQQHHGVWREHWXUQHGRQ
&+$1*(3,1&2'(
,QWKLVPHQX\RXFDQFKDQJHWKH3,1FRGHLQ\RXU
6,0FDUG<RXQHHGWKH3,1FRGHIRUVHWWLQJDQG
UHVHWWLQJIXQFWLRQVLQWKH&DOOFRVWPHQXDQGDOVR
IRUXVLQJPRVWRIWKH)'1SKRQHERRNIXQFWLRQV
7KHPHQXZRUNVLQWKHVDPHZD\DVWKH3,1FRGH
PHQX+RZHYHULIWKH6,0FDUGGRHVQRWVXSSRUW
WKH 3,1WKHWH[W )HDWXUH QRW RQDYDLODEOH RQ 6,0
ZLOOEHVKRZQ
&+$1*(3+21(&2'(
,QWKLVPHQX\RXFDQFKDQJHWKHSKRQHFRGH<RX
QHHGWKHSKRQHFRGHIRUUHVHWWLQJWKHFDOO
FRXQWHUV
7KHPHQXZRUNVLQWKHVDPHZD\DVWKH3,1FRGH
PHQX
&+$1*(1(7:25.&2'(
,QWKLVPHQX\RXFDQFKDQJHWKHQHWZRUNFRGH
<RX QHHG WKH QHWZRUN FRGH IRU &DOO EDUULQJDQG
VRPHRWKHUIXQFWLRQVJRYHUQHGE\WKHRSHUDWRU
7KHPHQXZRUNVLQWKHVDPHZD\DVWKH3,1FRGH
PHQX

0$,10(186(77,1*6
),;('',$//,1*)'1
)L[HG'LDOOLQJ1XPEHUV)'1LVDVSHFLDOSKRQH
ERRNLQZKLFK\RXFDQRQO\VWRUHDIHZQXPEHUV
7KH DPRXQW RI QXPEHUV GHSHQGV RQ \RXU 6,0
FDUG3OHDVHQRWHWKDW\RXQHHG\RXU3,1FRGHIRU
WXUQLQJIL[HGGLDOOLQJRQRURIIDQGDOVRIRUVWRU
LQJPRGLI\LQJDQGGHOHWLQJQXPEHUVIURPWKH)'1
SKRQH ERRN 7KH 3,1 FRGH LV VXSSOLHG E\ \RXU
QHWZRUNRSHUDWRU
:KHQIL[HGGLDOOLQJLVWXUQHGRQLQWKLVPHQX\RX
FDQ RQO\ FDOO QXPEHUV VWRUHG LQ WKH )'1 SKRQH
ERRNRUQXPEHUVWKDWVWDUWZLWKWKHVDPHQXPEHU
\RXKDYHVWRUHGLQWKH)'1SKRQHERRN(JLI\RX
KDYH VWRUHG WKH QXPEHU LQ WKH )'1 SKRQH
ERRN\RXFDQFDOODQ\QXPEHUWKDWVWDUWVZLWK
3UHVV&+$1*(
.H\LQWKH3,1FRGHDQGSUHVV2.
,0(,
7KH,QWHUQDWLRQDO0RELOH(TXLSPHQW,GHQWLW\FRGH
,0(,LGHQWLILHV\RXUPRELOHSKRQHXQLTXHO\7KH
GLJLWFRGHLVDOVRSULQWHGLQWKHW\SHODEHORIWKH
SKRQH,WFDQQRWEHFKDQJHG
3UHVV6(/(&7WRFKHFN\RXUSKRQH·V,0(,FRGH
5HVHWGHIDXOWVHWWLQJV
8VHWKLVRSWLRQLI\RXZLVKWRUHVWRUHDOOVHWWLQJVWR
IDFWRU\GHIDXOWVHWWLQJV7KLVUHVHWZLOODOVRUHVWRUH
DOOHQYLURQPHQWVWRWKHLUGHIDXOWYDOXHV
6HOHFW5HVHWVHWWLQJVDQGSUHVV6(/(&7
&RQILUPWKHUHVHWE\SUHVVLQJ2.7KHWH[W
5HVWRULQJ GHIDXOW VHWWLQJVZLOOEHVKRZQDQG
\RXZLOOEHUHWXUQHGWRVWDQGE\PRGH

*600(183+21(%22.
*600(18
3UHVV *60 WR HQWHU WKH *60 PHQXIURP
VWDQGE\PRGH
8VHQ WR VFUROO WKURXJK WKH LWHPV DQG VXE
PHQXV
7R VHOHFW DQ LWHP SUHVV 7KLV ZD\ \RX FDQ
HQWHU VXEPHQXV DFWLYDWH FRPPDQGV DQG WXUQ
RSWLRQVRQDQGRII
3UHVV 48,7WRUHWXUQWRWKHSUHYLRXVPHQX
OHYHOSUHVVFWRUHWXUQWRVWDQGE\PRGH
3+21(%22.
<RXFDQVWRUHSKRQHQXPEHUVLQWKHSKRQHERRN
HQWULHVRQWKH6,0FDUG7KHDFWXDOQXPEHURIHQ
WULHVDQGWKHOHQJWKRIQDPHVDQGQXPEHUVZKLFK
FDQ EH VWRUHG RQ WKH 6,0 FDUG GHSHQGV RQ WKH
FDUG·VVWRUDJHFDSDFLW\
,IWKHUHDUHQRIUHHPHPRU\VORWVOHIW1RIUHHPHP
RU\ ZLOO EH VKRZQ <RX FDQQRW VWRUH DQ\ QHZ
SKRQH QXPEHUV XQOHVV \RX ILUVW GHOHWHVRPH ROG
RQHV
,IWKHWH[W)L[HGLVGLVSOD\HGWKHIXQFWLRQFDOOHG
)L[HG GLDOOLQJ KDV EHHQ WXUQHG RQ )L[HG GLDOOLQJ
VHWVVRPHUHVWULFWLRQVIRUXVLQJWKHSKRQHERRN
HJ\RXFDQQRWVWRUHHGLWRUGHOHWHDQ\SKRQH
ERRNLQIRUPDWLRQZLWKRXWWKH3,1FRGH)RUIXU
WKHULQIRUPDWLRQDERXW)L[HGGLDOOLQJSOHDVHVHH
WKH FKDSWHU 0DLQPHQX6HWWLQJV6HFXULW\)L[HG
GLDOOLQJ)'1
3UHVV6(/(&7WRRSHQWKH3KRQHERRN
7KHVKRUWFXWWRDFFHVVWKHSKRQHERRNQDPHOLVW
ZLWKWKH RSWLRQ1HZLV WR SUHVV*60IRUD
IHZVHFRQGV
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRWKHSUHYLRXVPHQXOHYHO
1RUPDO
),1(7:25.
0RQGD\
3KRQHERRN
*60PHQX
Q
0HVVDJHV
5HFHQWFDOOV
1HWZRUNVHUYLFHV
+HOSGHVN

*600(183+21(%22.
5HFDOOLQJDSKRQHQXPEHU
,QWKLVPHQX\RXFDQVHDUFKIRUDSKRQHQXPEHU
VWRUHGLQ\RXUSKRQHERRN<RXFDQDOVRDGG
QDPHVWRWKHSKRQHERRN
<RXFDQNH\LQWKHGHVLUHGQDPHRULWVLQLWLDOV
DQGSUHVV5($''RLWWKLVZD\LI\RXZLVKWR
VHDUFKIRUDQXPEHUDOUHDG\VWRUHGLQWKHSKRQH
ERRNHVSHFLDOO\LI\RXUSKRQHERRNOLVWLVYHU\
ORQJ7KHILUVWOLQHLQWKHSKRQHERRNZLOOVKRZ
WKH GHVLUHG SKRQH QXPEHU RU LWV FORVHVW
PDWFKHV
2U\RXFDQSUHVV5($'GLUHFWO\'RLWWKLV
ZD\LI\RXUSKRQHERRNOLVWLVTXLWHVKRUWRU\RX
ZLVKWRDGGVWRUHDQHZSKRQHQXPEHULQ\RXU
SKRQH ERRN 7KH ILUVW OLQH LQ WKH SKRQH ERRN
ZLOORIIHU\RXWKHRSWLRQ1HZ
$OLVWRIDOOQDPHVLQWKHSKRQHERRNLVVKRZQ
,I )L[HG GLDOOLQJLVWXUQHGRQWKHQXPEHUVGLV
SOD\HGKHUHDUHWKHQXPEHUVVWRUHGLQ)'1SKRQH
ERRN7KHQDPHVDUHOLVWHGLQDOSKDEHWLFDORUGHU
<RXFDQVFUROOWKURXJKWKHQDPHOLVWZLWKQ6FUROO
LQJRYHUWKHWRSWRWKHERWWRPLVSRVVLEOH
6HDUFK
%H
_
Q
$%$EDE7
6HDUFK
Q
_
$%$EDE7
3KRQHERRN
Q
%HQHIRQ
[[
1HZ
0HDGRZ6LPRQ
5RFNIHOG7KRPDV
6ZLUO6XVDQ
7RUUHQW6DPXHO
0HPRU\
VORW
1DPH
OLVW
IUHH
UHVHUYHG

*600(183+21(%22.
,I\RXVWRSRQDQDPHIRUDIHZVHFRQGV\RXZLOO
VHHWKHSKRQHQXPEHUDVVRFLDWHGZLWKWKHQDPH
7KHPHPRU\VORWWDNHQXSE\WKHQDPHLVDOZD\V
VKRZQLQWKHVPDOOWDE
,I\RXZLVKWRPDNHDFDOOSUHVVO
,I\RXZLVKWRHGLWRUGHOHWHHPSW\WKHFKRVHQ
SKRQHERRNHQWU\SUHVV6(/(&7
(',7,1*$3+21(%22.(175<
6HOHFW(GLWE\SUHVVLQJ6(/(&7
7KHSKRQHQXPEHUQDPHDQGPHPRU\VORW
QXPEHUDUHGLVSOD\HGDQGFDQEHHGLWHG6HOHFW
DQRSWLRQWRHGLWZLWKQDQGSUHVV&+$1*(
(GLWLQJSKRQHQXPEHU
$GGQXPEHUVE\SUHVVLQJWKHQXPHULFNH\V
DQGUHPRYH WKHPE\ SUHVVLQJ&/($5 $
ORQJSUHVV RI &/($5HPSWLHVWKHZKROH
OLQH3UHVV2.ZKHQGRQH
(GLWLQJQDPH
(GLWLQJQDPHLVGRQHLQWKHVDPHZD\DVHG
LWLQJQXPEHU3UHVV2.ZKHQGRQH
&KDQJLQJPHPRU\VORW
7KH IUHH PHPRU\ VORWV DUH OLVWHG 6HOHFW D
VORWZLWKQDQGSUHVV2.
:KHQ\RXDUHILQLVKHGSUHVV'21(<RXZLOO
EHDVNHGLI\RXZDQWWRVDYHWKHFKDQJHV0DNH
\RXUFKRLFHE\SUHVVLQJ12RU2.
,I\RXKDYHFKDQJHGWKHPHPRU\VORWQXPEHU
\RXZLOOEHDVNHGLI\RXZDQWWRPRYHRUFRS\
WKHSKRQHERRNHQWU\
3KRQHERRN
1XPEHU
Q
1DPH
7RUUHQW6DPXHO
0HPRU\VORW
HQWU\

*600(183+21(%22.
%\VHOHFWLQJ0RYHWKHLQIRUPDWLRQVWRUHG
LQWKHRULJLQDOSKRQHERRNHQWU\ZLOOEH
ORVW$VDUHVXOWRIWKDWWKHROGVORWZLOOEH
IUHHG
%\VHOHFWLQJ&RS\WKHLQIRUPDWLRQVWRUHG
LQWKHRULJLQDOSKRQHERRNHQWU\ZLOOEH
SUHVHUYHG$VDUHVXOWRIWKDWERWKVORWV
ZLOO EH UHVHUYHG RQH ZLWK WKH RULJLQDO
LQIRUPDWLRQDQGDQRWKHUZLWKWKHUHFHQWO\
VWRUHGDQGSRVVLEO\PRGLILHGLQIRUPDWLRQ
'(/(7,1*$3+21(%22.(175<
6HOHFW'HOHWHZLWKQDQGSUHVV2.
&RQILUP WKH GHOHWLRQ E\ SUHVVLQJ 2. RU
FDQFHOWKHRSHUDWLRQE\SUHVVLQJ12
6WRULQJDSKRQHQXPEHU
<RXKDYHVHYHUDOZD\VWRVWRUHSKRQHQXPEHUVLQWR
WKHSKRQHERRN<RXFDQ
NH\LQWKHGHVLUHGQXPEHULQVWDQGE\PRGH
SOHDVHVHHWKHIROORZLQJLQVWUXFWLRQV
VDYH WKH QXPEHU E\ XVLQJ 1HZRSWLRQSOHDVH
VHHWKHIROORZLQJLQVWUXFWLRQV
SLFNXS QXPEHUVIURPDQ606PHVVDJHLQFOXG
LQJ WKH VHQGHU·V SKRQH QXPEHU IRU IXUWKHU
LQIRUPDWLRQSOHDVHVHHWKH FKDSWHU*60 PHQX
0HVVDJHV,QER[5HDGLQJDQGSURFHVVLQJDQ
LQFRPLQJPHVVDJH3LFNQXPEHU
SLFN XS D FDOOHU·V QXPEHU IRU IXUWKHU LQIRUPD
WLRQSOHDVH VHH WKHFKDSWHU *60 PHQX5HFHQW
FDOOV
VDYHWKHUHFHLYHU·VQXPEHUE\XVLQJUHGLDOPHP
RU\IRUIXUWKHULQIRUPDWLRQSOHDVHVHHWKHFKDS
WHU %ULHI RYHUYLHZ RI SKRQH XVH 0DNLQJ D FDOO
5HGLDOOLQJ
,QDOORIWKHFDVHVDERYHWKHVWRULQJLVHYHQWXDOO\
GRQHLQWKHVDPHZD\

*600(183+21(%22.
.(<,1*,1$1(:180%(5
,167$1'%<02'(
:KHQWKHSKRQHLVLQVWDQGE\PRGHNH\LQWKH
GHVLUHGQXPEHUDQGSUHVV6$9(
$QHZSKRQHERRNHQWU\ZLOOEHGLVSOD\HG.H\
LQWKHGHVLUHGQDPHDQGSUHVV2.
3UHVV &+$1*( DQG VHOHFW D PHPRU\ VORW
ZLWK Q 3UHVV 2. 2QO\ IUHH PHPRU\ VORWV
DUHDYDLODEOH
:KHQ\RXDUHILQLVKHGSUHVV'21( 6DYH
FKDQJHVE\SUHVVLQJ2.RUFDQFHOWKHPE\
SUHVVLQJ12
$'',1*$1(:180%(5
,17+(1$0(/,67
,QVWDQGE\PRGHSUHVV*60DQGWKHQ
6(/(&7WRVHOHFW3KRQHERRN
3UHVV5($'GLUHFWO\7KHSKRQHZLOORIIHU
\RXWKHQDPHOLVWLQFOXGLQJWKHRSWLRQ1HZ
&KRRVH1HZE\SUHVVLQJ6(/(&7
$ QHZ SKRQH ERRN HQWU\ ZLOO EH GLVSOD\HG
)LUVWNH\LQWKHGHVLUHGQDPHDQGSUHVV2.
<RXFDQWKHQHGLWWKHSKRQHQXPEHUPHPRU\
VORWQXPEHURUWKHQDPH6HOHFWDQRSWLRQWR
HGLWZLWKQDQGSUHVV&+$1*(
:KHQ\RXDUHILQLVKHGSUHVV'21( 6DYH
FKDQJHVE\SUHVVLQJ2.RUFDQFHOWKHPE\
SUHVVLQJ12

*600(180(66$*(6
0(66$*(6
7KH6KRUW0HVVDJH6HUYLFH606LVDQHWZRUNIHD
WXUH
3UHVV6(/(&7WRHQWHUWKH0HVVDJHVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
,QER[
,QWKLVPHQX\RXFDQUHDGDPHVVDJH\RXKDYHUH
FHLYHG<RXFDQVHQGDPHVVDJHEDFNWRLWVVHQGHU
RUIRUZDUGLWWRVRPHRQHHOVH<RXFDQDOVRSLFN
SKRQH QXPEHUV DQG FRRUGLQDWHV IURP D PHVVDJH
IRUIXUWKHUXVHRUGHOHWHPHVVDJHVHLWKHURQHDWD
WLPHRUDOODWRQFH
7KH,QER[PHQXLWHPLQ*60PHQXKDVVRPHDGGL
WLRQDOLQIRUPDWLRQDIWHULW>00@LVWKH QXPEHURI
DOOLQFRPLQJPHVVDJHVDQGWKHSUHVHQFHRIWKHV
V\PEROVKRZVWKDWWKHUHDUHRQHRUPRUHXQUHDG
PHVVDJHVLQWKHLQER[
7KH VHWWLQJV IRU LQFRPLQJ PHVVDJHV DUH IRXQG LQ
WKH 0HVVDJH VHWXSPHQXXQGHU0DLQPHQX6HW
WLQJV*60
3UHVV6(/(&7WRRSHQWKH,QER[PHQX
,IWKHUHDUHQHLWKHUQHZQRUUHDGLQFRPLQJPHVVDJ
HV 1R LQFRPLQJ PHVVDJHV LV GLVSOD\HG DQG WKH
PHQXFDQQRWEHHQWHUHG
5(&(,9,1*$1(:0(66$*(
:KHQUHFHLYLQJDQHZPHVVDJHDQDOHUWVRXQGLV
KHDUGDQGWKHWH[W1HZPHVVDJHLVVKRZQ
1HZPHVVDJHVDUHDFFHVVLEOHLQVWDQGE\PRGHLP
PHGLDWHO\DIWHUWKH\DUHUHFHLYHG)RUIXUWKHULQIRU
PDWLRQ SOHDVH VHH %ULHI RYHUYLHZ RI SKRQH XVH
,QFRPLQJWUDIILF
$OOQHZPHVVDJHVZLOODOVREHVWRUHGLQWRWKH,QER[
ZKHUHWKH\FDQEHUHFDOOHGDWDODWHUWLPH
5(&$//,1*,1&20,1*0(66$*(6
7KHLQER[FRQWDLQVDOOWKHLQFRPLQJPHVVDJHV7KH
QDPHRUWKHQXPEHURIWKHVHQGHUDQGWKHGHOLYHU\
WLPHRIWKHPHVVDJHDUHGLVSOD\HG
,IWKHPHVVDJHLVROGHUWKDQKRXUVWKHGHOLYHU\
WLPHLVUHSODFHGE\WKHGHOLYHU\GDWH
&ORVHGHQYHORSHVRQWKHOHIWLQGLFDWHVWKDWWKH
PHVVDJHLVQHZDQGXQUHDG2SHQHQYHORSH^
RQ WKH OHIW LQGLFDWHV WKDW WKH PHVVDJH LV ROG DQG
UHDG

*600(180(66$*(6
,I\RXZLVKWRGHOHWHDOOWKHPHVVDJHVGLVSOD\HGLQ
WKLV OLVW VHOHFW WKH RSWLRQ 'HOHWH DOOZLWK QDQG
SUHVV2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ
2. DJDLQRUFDQFHO WKHRSHUDWLRQ E\SUHVVLQJ
12
5($',1*$1'352&(66,1*$1
,1&20,1*0(66$*(
+LJKOLJKW WKH GHVLUHG PHVVDJH ZLWK Q DQG
SUHVV6(/(&7
%\VFUROOLQJZLWKQ \RXDUH DEOHWR UHDGWKH
ZKROHPHVVDJH
7RSURFHVVWKHPHVVDJHSUHVV6(/(&7
6HOHFW WKH GHVLUHG IXQFWLRQ ZLWK QDQG
SUHVV
,I\RXGRQRWZDQWWRSURFHVVWKHPHVVDJH
SUHVV48,7WRUHWXUQWRWKHSUHYLRXVPHQX
OHYHO
5HSO\
8VHWKLVRSWLRQLI\RXZLVKWRVHQGDPHVVDJHEDFN
WRWKHVHQGHU7KDWZD\\RXGRQRWQHHGWRNH\LQ
WKHSKRQHQXPEHURUUHFDOOLWIURPSKRQHERRN
:ULWHDQGHGLWWKHWH[WDVIROORZV
7RUHPRYHOHWWHUVSUHVV&/($5VKRUWO\
7RDGGOHWWHUVLQWRWH[WSUHVV
7RDGGVSHFLDOFKDUDFWHUVLQWRWH[WSUHVVIRU
D IHZ VHFRQGV 8VH QWRVHOHFWDOLQHDQGWKHQ
SUHVVWKHQXPHULFNH\ZKLFKFRUUHVSRQGVWRWKH
GHVLUHGFKDUDFWHU
7RHQWHUDVSDFHXVH
7RPRYHLQVLGHWKHWH[WSUHVVQ
<RXPD\DOVRPRGLI\WKHWH[WZLWKWKH7WH[W
LQSXWWRROVIRUIXUWKHULQIRUPDWLRQDERXWXVLQJ
WKH 7 WH[W LQSXW SOHDVH VHH WKH FKDSWHU 0DLQ
PHQX$FFHVVRULHV1RWHSDG:ULWLQJDQRWHLQ7
PRGH
:KHQWKHPHVVDJHLVZULWWHQSUHVV6(/(&7WR
VHQGVDYHRUSRVWSRQHLW
,I\RXGRQRWZDQWWRJRIXUWKHUSUHVV48,7WR
FDQFHOWKHRSHUDWLRQDQGUHWXUQWRWKHPHVVDJH
SURFHVVLQJOLVW
6HQGLQJDQGVDYLQJWKHPHVVDJH
<RXKDYHIRXU RSWLRQVWRFKRRVHIURP VHQGDQG
VDYHVHQGRQO\VHQGZLWKSRVLWLRQDQGSRVWSRQH
6HOHFWDQRSWLRQZLWKQDQGSUHVV2.

*600(180(66$*(6
%\ VHOHFWLQJ 6HQG \RX FDQ VHQG WKH PHVVDJH
ZLWKRXWVDYLQJDFRS\RILWIRU\RXUVHOI
%\ VHOHFWLQJ 6HQG DQG VDYH \RX FDQ VHQG WKH
PHVVDJH DQG DOVR VDYHLWWR\RXU6,0FDUG7KH
PHVVDJHLV VWRUHG LQWRWKHRXWER[7KH RULJLQDO
PHVVDJHVHQWWR\RXLVVWLOONHSWLQWKHLQER[
+RZHYHU LI WKHUH LV QRW HQRXJK IUHH PHPRU\
VSDFH WR VDYH WKH PHVVDJH 1R IUHH PHPRU\ZLOO
EH GLVSOD\HG DQG \RX ZLOO UHWXUQ WR SUHYLRXV
PHQXOHYHO7KHPHVVDJHZLOOQRWEHVHQWHLWKHU
,QWKLVFDVH\RXPD\GHOHWHVRPHROGPHVVDJHVWR
PDNHVRPHIUHHPHPRU\VSDFHRUVHOHFWWKH6HQG
RSWLRQ
%\ VHOHFWLQJ 6HQG ZLWK SRVLWLRQ \RX FDQ VHQG D
PHVVDJHWRWKHRSHUDWRUZLWKDUHTXHVWIRUSRVL
WLRQLQIRUPDWLRQ
7KHGHIDXOWGHVWLQDWLRQQXPEHUIRUWKHUHSO\PHV
VDJHLVWKHQXPEHUIURPZKHUHWKH RULJLQDOPHV
VDJHZDVVHQW,IWKHQXPEHULQTXHVWLRQLVVWRUHG
LQWKHSKRQHERRNWKHQDPHRIWKHFDOOHULVGLV
SOD\HGLQVWHDGRIWKHQXPEHU
7RFKDQJHWKHQXPEHUSUHVV&/($5 IRUDIHZ
VHFRQGV<RXFDQWKHQHLWKHUNH\LQDQRWKHUQXP
EHU RU SUHVV 6($5&+WRORRNIRUWKHGHVLUHG
QXPEHULQWKHSKRQHERRN
7RVHQGWKHPHVVDJHSUHVV6(1'
,IWKHUHLV606WUDQVPLVVLRQIDLOXUHWKHWH[W(UURU
LQVHQGLQJZLOOEHGLVSOD\HG,QWKLVFDVHPDNHVXUH
WKH UHFHLYHU·V SKRQH QXPEHU LQFOXGLQJ SUHIL[
DQGWKHPHVVDJHER[QXPEHUDUHFRUUHFWDQGWKHUH
LVHQRXJKQHWZRUNFRYHUDJHIRUUDGLRFRPPXQLFD
WLRQ
3RVWSRQLQJWKHPHVVDJH
%\ VHOHFWLQJ 3RVWSRQH \RX FDQ VDYH WKH PHVVDJH
DVDGUDIWZLWKRXWLPPHGLDWHO\VHQGLQJLWWRDQ\
RQH,I\RXZLVKWRILQLVKRUVHQGWKHPHVVDJHODWHU
\RXFDQUHFDOODSRVWSRQHGPHVVDJHWKURXJK:ULWH
PHVVDJHPHQX
)RUZDUG
8VH WKLV RSWLRQ LI \RX ZLVK WR VHQG WKH VHOHFWHG
PHVVDJH WR D QHZ UHFHLYHU )RUZDUGHG PHVVDJHV
DUHQRWVWRUHGDVH[WUDFRSLHVLQWR6,0FDUG
.H\ LQ DQRWKHU QXPEHU RU SUHVV 6($5&+WR
ORRNIRUWKHGHVLUHGQXPEHULQWKHSKRQHERRN
7RVHQGWKHPHVVDJHSUHVV6(1'

*600(180(66$*(6
,IWKHUHLV606WUDQVPLVVLRQIDLOXUHWKHWH[W(UURU
LQVHQGLQJZLOOEHGLVSOD\HG,QWKLVFDVHPDNHVXUH
WKH UHFHLYHU·V SKRQH QXPEHU LQFOXGLQJ SUHIL[
DQGPHVVDJHER[QXPEHUDUHFRUUHFWDQGWKHUHLV
HQRXJK QHWZRUN FRYHUDJH IRU UDGLR FRPPXQLFD
WLRQ
,I\RXGRQRWZDQWWRIRUZDUGWKHPHVVDJHSUHVV
&/($5IRUDIHZVHFRQGVWRHPSW\WKHGLVSOD\
DQGULJKWDIWHU48,7 WRUHWXUQWRWKHSUHYLRXV
PHQXOHYHO<RXFDQDOVRSUHVVFWRUHWXUQGLUHFWO\
WRVWDQGE\PRGH
3LFNQXPEHU
:LWKWKLVRSWLRQ\RXFDQSLFNWKHSKRQHQXPEHURI
WKHVHQGHUDQGVDYHLWLQWR\RXUSKRQHERRNRU
PDNHDFDOOWRWKHQXPEHULQTXHVWLRQ,IWKHPHV
VDJHLWVHOIFRQWDLQVQXPEHUV\RXFDQDOVRVHOHFW
WKHPIRUODWHUXVH
,IWKHSLFNHGQXPEHULVVWRUHGLQWKHSKRQHERRN
WKHDVVRFLDWHGQDPHLVVKRZQLQVWHDGRIWKHQXP
EHU
7RFDOODQXPEHUVHOHFWLWZLWKQDQGSUHVVO
7RVDYHWKHQXPEHULQWRWKHSKRQHERRNVHOHFW
LWZLWKQDQGSUHVV6$9(
6DYLQJDSLFNHGQXPEHULQWRWKHSKRQHERRN
)LUVWNH\LQWKHGHVLUHGQDPHDQGSUHVV2.
<RXFDQWKHQHGLWWKHSKRQHQXPEHUPHPRU\
VORWQXPEHURUWKHQDPH6HOHFWDQRSWLRQWR
HGLWZLWKQDQGSUHVV&+$1*(
(GLWLQJSKRQHQXPEHU
$GGQXPEHUVE\SUHVVLQJWKHQXPHULFNH\V
DQGUHPRYHWKHPE\SUHVVLQJ&/($5 $
ORQJ SUHVV RI&/($5HPSWLHVWKHZKROH
OLQH3UHVV2.ZKHQGRQH
&KDQJLQJPHPRU\VORW
7KH IUHH PHPRU\ VORWV DUH OLVWHG 6HOHFW D
VORWZLWKQDQGSUHVV2.
:KHQ\RXDUHILQLVKHGSUHVV'21(<RXZLOO
EH DVNHG LI \RX ZDQW WR VDYH RU GLVFDUG WKH
SKRQHERRNHQWU\0DNH\RXUFKRLFHDQGSUHVV
2.

*600(180(66$*(6
3LFNFRRUGLQDWHV
:LWKWKLVRSWLRQ\RXFDQSLFNDQ\FRRUGLQDWHVWKH
PHVVDJHPD\FRQWDLQDQGVDYHWKHPDVDZD\SRLQW
7R VDYH WKH FRRUGLQDWHV VHOHFW WKHP ZLWK QDQG
SUHVV6$9(
6DYLQJFRRUGLQDWHVDVDZD\SRLQW
)LUVWNH\LQWKHGHVLUHGQDPHDQGSUHVV2.
<RXFDQWKHQFKDQJHWKHV\PEROWKHFRRUGL
QDWHV RU WKH QDPH 6HOHFW DQ RSWLRQ WR HGLW
ZLWKQDQGSUHVV&+$1*(
&KDQJLQJZD\SRLQWV\PERO
8VHQ WR VHOHFW D OLQH DQG WKHQ SUHVV WKH
QXPHULFNH\ZKLFKFRUUHVSRQGVWRWKH
GHVLUHGFKDUDFWHU
&KDQJLQJFRRUGLQDWHV
(GLW WKH GLJLWV E\ SUHVVLQJ WKH QXPHULF
NH\VDQGQWRVHOHFWWKHGLJLWWRHGLW
3UHVV 2.WR DFFHSW WKH QHZ FRRUGL
QDWHV
:KHQ\RXDUHILQLVKHGSUHVV'21(6DYHWKH
ZD\SRLQWE\SUHVVLQJ2.RUFDQFHOWKHRS
HUDWLRQE\SUHVVLQJ12
'HOHWH
:LWKWKLVRSWLRQ\RXFDQGHOHWHWKHVHOHFWHGPHV
VDJHIURP\RXU6,0FDUG&RQILUPWKHGHOHWLRQE\
SUHVVLQJ2.RUFDQFHOWKHRSHUDWLRQE\SUHVV
LQJ12

*600(180(66$*(6
2XWER[
,QWKLVPHQX\RXFDQUHDGHGLWDQGIRUZDUGDQ\RI
\RXURZQPHVVDJHV\RXKDYHVDYHG<RXFDQDOVR
SLFNSKRQHQXPEHUVDQGFRRUGLQDWHVIURPDPHV
VDJHIRUIXUWKHUXVHRUGHOHWHPHVVDJHVHLWKHURQH
DWDWLPHRUDOODWRQFH
7KH2XWER[PHQXLWHPLQ*60PHQXKDVVRPHDG
GLWLRQDOLQIRUPDWLRQDIWHULW>00@LVWKHQXPEHURI
DOOVDYHGRXWJRLQJPHVVDJHV
7KH VHWWLQJV IRU RXWJRLQJ PHVVDJHV DUH IRXQG LQ
WKH0HVVDJHVHWXSPHQXIRXQGXQGHU0DLQPHQX
6HWWLQJV*60
3UHVV6(/(&7WRRSHQWKH2XWER[PHQX
,IWKHUHDUHQRVDYHGRXWJRLQJPHVVDJHV1RRXWJR
LQJPHVVDJHVLVGLVSOD\HGDQGWKHPHQXFDQQRWEH
HQWHUHG
5(&$//,1*2:10(66$*(6
7KHRXWER[FRQWDLQVDOO\RXUVDYHGRXWJRLQJPHV
VDJHV 7KH PHVVDJHV DUH VKRZQ LQ WKHLU RUGHU LQ
WKH6,0
,I\RXZLVKWRGHOHWHDOOWKHPHVVDJHVGLVSOD\HGLQ
WKLV OLVW VHOHFW WKH RSWLRQ 'HOHWH DOOZLWK QDQG
SUHVV2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ
2.DJDLQRUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ
12
5($',1*25352&(66,1*2:1
0(66$*(6
6HOHFWRQHRIWKHPHVVDJHVZLWKWKHKHOSRIQ
DQGSUHVV6(/(&7
%\ VFUROOLQJZLWKQ \RXDUH DEOHWRUHDG WKH
ZKROHPHVVDJH
3UHVV6(/(&7WRHQWHUWKHRZQPHVVDJHSUR
FHVVLQJOLVW
6HOHFW WKH GHVLUHG IXQFWLRQ ZLWK QDQG
SUHVV
,I \RX GR QRW ZDQW WR SURFHVV WKH PHVVDJH
SUHVV48,7WRUHWXUQWRWKHRXWER[
(GLW
8VHWKLVRSWLRQLI\RXZLVKWRHGLWWKHPHVVDJH$I
WHUWKDW\RXFDQVHQGWKHHGLWHGPHVVDJHWRVRPH
RQHRUMXVWVDYHLWIRUIXUWKHUXVH
7RUHPRYHOHWWHUVSUHVV&/($5 VKRUWO\7R
FOHDUDOOFKDUDFWHUVDWRQFHSUHVV&/($5IRUD
IHZVHFRQGV:KHQWKHGLVSOD\LVHPSW\WKHOHIW

*600(180(66$*(6
IXQFWLRQNH\VKRZV48,7
7RDGGOHWWHUVLQWRWKHWH[WSUHVV
7RDGGVSHFLDOFKDUDFWHUVLQWRWH[WSUHVVIRU
D IHZ VHFRQGV 8VH QWRVHOHFWDOLQHDQGWKHQ
SUHVVWKHQXPHULFNH\ZKLFKFRUUHVSRQGVWRWKH
GHVLUHGFKDUDFWHU
7RPDNHVSDFHXVH
:LWKQ\RXFDQPRYHLQVLGHWKHWH[W
<RXPD\DOVRPRGLI\WKHWH[WZLWKWKH7WH[W
LQSXWWRROVIRUIXUWKHULQIRUPDWLRQDERXWXVLQJ
WKH 7 WH[W LQSXW SOHDVH VHH WKH FKDSWHU 0DLQ
PHQX$FFHVVRULHV1RWHSDG:ULWLQJDQHZQRWH
LQ7PRGH
:KHQWKHPHVVDJHLVZULWWHQSUHVV6(/(&7WR
VHQGVDYHRUSRVWSRQHLW
,I\RXGRQRWZDQWWRJRIXUWKHUSUHVV48,7WR
FDQFHOWKHRSHUDWLRQDQGUHWXUQWRWKHPHVVDJH
SURFHVVLQJOLVW
6HQGLQJDQGVDYLQJWKHPHVVDJH
<RXKDYHIRXU RSWLRQV WR FKRRVH IURP VHQG DQG
VDYHVHQGRQO\VHQGZLWKSRVLWLRQDQGSRVWSRQH
6HOHFWDQRSWLRQZLWKQDQGSUHVV2.
%\VHOHFWLQJ6HQG\RXFDQVHQGWKHHGLWHGPHV
VDJHZLWKRXWVDYLQJDFRS\RILWIRU\RXUVHOI
3OHDVHQRWHWKDWE\XVLQJWKLVRSWLRQWKHHGLWHG
PHVVDJHZLOOEHORVW
%\ VHOHFWLQJ 6HQG DQG VDYH \RX FDQ VHQG WKH
HGLWHGPHVVDJHDQGDOVRVDYHLWWR\RXU6,0FDUG
%\VHOHFWLQJ6HQG ZLWK SRVLWLRQ \RX FDQ VHQG D
PHVVDJHWRWKHRSHUDWRUZLWKDUHTXHVWIRUSRVL
WLRQLQIRUPDWLRQ
.H\LQDQXPEHUDQGSUHVV6(1'RUSUHVV
6($5&+WRORRNIRURQHLQWKHSKRQHERRN
,IWKHUHLV606WUDQVPLVVLRQIDLOXUHWKHWH[W(UURU
LQVHQGLQJZLOOEHGLVSOD\HG,QWKLVFDVHPDNHVXUH
WKH UHFHLYHU·V SKRQH QXPEHU LQFOXGLQJ SUHIL[
DQGPHVVDJHER[QXPEHUDUHFRUUHFWDQGWKHUHLV
HQRXJK QHWZRUN FRYHUDJH IRU UDGLR FRPPXQLFD
WLRQ
3RVWSRQLQJWKHPHVVDJH
%\ VHOHFWLQJ 3RVWSRQH \RX FDQ VDYH WKH PHVVDJH
DVDGUDIWZLWKRXWLPPHGLDWHO\VHQGLQJLWWRDQ\
RQH,I\RXZLVKWRILQLVKRUVHQGWKHPHVVDJHODWHU
\RXFDQUHFDOODSRVWSRQHGPHVVDJHWKURXJK:ULWH
PHVVDJHPHQX

*600(180(66$*(6
)RUZDUG
8VHWKLVRSWLRQLI\RXZLVKWRVHQGDVHOHFWHGPHV
VDJH WR D QHZ UHFHLYHU )RUZDUGHG PHVVDJHV DUH
QRWVWRUHGDVH[WUDFRSLHVLQ6,0FDUG
,QRUGHUWRVHQGWKHPHVVDJHWRDQRWKHUUHFHLYHU
WKHQXPEHUQHHGWREHFKDQJHG
.H\LQWKHGHVLUHGQXPEHURUUHFDOOWKHGHVLUHG
QXPEHU IURP WKH SKRQH ERRN DVVXPLQJ \RX
KDYHVWRUHGLWLQWKHUH7RUHFDOOWKHQXPEHU
IURPWKHSKRQHERRNSUHVV6($5&+
,IGHVLUHGNH\LQWKHLQLWLDOVRIWKHQDPH
6FUROOWKURXJKWKHSKRQHERRNZLWKQXQWLOWKH
FRUUHFWQXPEHULVVHOHFWHG
3UHVV6(1'
,I\RXGRQRWZDQWWRIRUZDUGWKHPHVVDJHSUHVV
&/($5IRUDIHZVHFRQGVWRHPSW\WKHGLVSOD\
DQGULJKWDIWHUWKDW48,7WRUHWXUQWRWKHRXW
ER[
3LFNQXPEHU
:LWKWKLVRSWLRQ\RXFDQSLFNDSKRQHQXPEHU
IURPWKHPHVVDJHDQGVDYHLWLQ\RXUSKRQHERRN
RUPDNHDFDOOWRWKHQXPEHULQTXHVWLRQ
,IDSLFNHGQXPEHULVVWRUHGLQWKHSKRQHERRNWKH
DVVRFLDWHGQDPHLVVKRZQLQVWHDGRIWKHQXPEHU
7RFDOODQXPEHUVHOHFWLWZLWKQDQGSUHVVO
7RVDYHWKHQXPEHULQWRWKHSKRQHERRNVHOHFW
LWZLWKQDQGSUHVV6$9(
6DYLQJDSLFNHGQXPEHULQWRWKHSKRQHERRN
)LUVWNH\LQWKHGHVLUHGQDPHDQGSUHVV2.
<RXFDQWKHQHGLWWKHSKRQHQXPEHUPHPRU\
VORWQXPEHURUWKHQDPH6HOHFWDQRSWLRQWR
HGLWZLWKQDQGSUHVV&+$1*(
(GLWLQJSKRQHQXPEHU
$GGQXPEHUVE\SUHVVLQJWKHQXPHULFNH\V
DQGUHPRYHWKHPE\SUHVVLQJ&/($5 $
ORQJ&/($5HPSWLHVWKHZKROHOLQH3UHVV
2.ZKHQGRQH

*600(180(66$*(6
&KDQJLQJPHPRU\VORW
7KH IUHH PHPRU\ VORWV DUH OLVWHG 6HOHFW D
VORWZLWKQDQGSUHVV2.
:KHQ\RXDUHILQLVKHGSUHVV'21(6DYHWKH
HQWU\E\SUHVVLQJ2.RUGLVFDUGWKHHQWU\
E\SUHVVLQJ12
3LFNFRRUGLQDWHV
:LWKWKLVRSWLRQ\RXFDQSLFNDQ\FRRUGLQDWHVWKH
PHVVDJHPD\FRQWDLQDQGVDYHWKHPDVDZD\SRLQW
7R VDYH WKH FRRUGLQDWHV D ZD\SRLQW VHOHFW WKHP
ZLWKQDQGSUHVV6$9(
6DYLQJFRRUGLQDWHVDVDZD\SRLQW
)LUVWNH\LQWKHGHVLUHGWLWOHDQGSUHVV2.
<RXFDQWKHQFKDQJHWKHV\PEROWKHFRRUGL
QDWHV RU WKH QDPH 6HOHFW DQ RSWLRQ WR HGLW
ZLWKQDQGSUHVV&+$1*(
&KDQJLQJZD\SRLQWV\PERO
8VH Q WR VHOHFW D OLQH DQG SUHVV WKH
QXPHULFNH\ZKLFKFRUUHVSRQGVWRWKH
GHVLUHGV\PERO
&KDQJLQJFRRUGLQDWHV
(GLW WKH GLJLWV E\ SUHVVLQJ WKH QXPHULF
NH\VDQGQWRVHOHFWWKHGLJLWWRHGLW
3UHVV 2.WRDFFHSWWKHQHZFRRUGL
QDWHV
:KHQ\RXDUHILQLVKHGSUHVV'21(6DYHWKH
ZD\SRLQW E\ SUHVVLQJ 2. RU GLVFDUG LW E\
SUHVVLQJ12
'HOHWH
:LWKWKLVRSWLRQ\RXFDQGHOHWHWKHVHOHFWHGPHV
VDJHIURP\RXU6,0FDUG&RQILUPWKHGHOHWLRQE\
SUHVVLQJ2.RUFDQFHOWKHRSHUDWLRQE\SUHVV
LQJ12

*600(180(66$*(6
%URDGFDVWV
&HOO EURDGFDVWV DUH JHQHUDO PHVVDJHV ZKLFK DUH
EURDGFDVW WR DOO UHFHLYHUV ZLWKLQ D SDUWLFXODU UH
JLRQ7KH\PD\FRQWDLQDGYHUWLVHPHQWVORFDO
ZHDWKHUUHSRUWVDQG LQIRUPDWLRQDERXW URDGWUDI
ILFVWRFNH[FKDQJHDQGVSRUWUHVXOWVHWF
&HOO%URDGFDVW6HUYLFHFDWHJRUL]HVWKHW\SHRILQ
IRUPDWLRQWKDWWKHVHPHVVDJHVFRQWDLQDQGWKHODQ
JXDJH LQ ZKLFK WKH PHVVDJH KDV EHHQ FRPSLOHG
$FFRUGLQJWR\RXUFKRLFH\RXDUHWKHQDEOHWRLJ
QRUHFHUWDLQPHVVDJHW\SHVHJDGYHUWLVLQJLQIRU
PDWLRQRUPHVVDJHVLQDQXQIDPLOLDUODQJXDJH
&HOO%URDGFDVW6HUYLFHLVDQHWZRUNIHDWXUH)RUIXU
WKHULQIRUPDWLRQSOHDVHFRQWDFW\RXUQHWZRUNRS
HUDWRU
7KH%URDGFDVWVPHQXLWHPLQ*60PHQXKDVVRPH
DGGLWLRQDOLQIRUPDWLRQDIWHULW>00@LVWKHQXPEHU
RIDOOEURDGFDVWPHVVDJHVDQGWKHSUHVHQFHRIWKH
VV\PEROVKRZVWKDWWKHUHDUHRQHRUPRUHXQ
UHDGPHVVDJHV
7KHVHWWLQJV IRUEURDGFDVWPHVVDJHV DUHIRXQGLQ
WKH %URDGFDVW VHWXS PHQX IRXQG XQGHU 0DLQ
PHQX6HWWLQJV*60
,QWKLVPHQX\RXFDQYLHZVDYHRUGHOHWHWKHJHQ
HUDOPHVVDJHVEURDGFDVWWR\RXDVVXPLQJ\RXKDYH
VHWRQWKHRSWLRQ$FFHSW EURDGFDVW PHVVDJHVLQ
WKH%URDGFDVWVHWXSPHQX
3UHVV6(/(&7WRRSHQWKH%URDGFDVWVPHQX
,IWKHUHDUHQHLWKHUQHZQRUUHDGEURDGFDVWPHV
VDJHV1REURDGFDVWPHVVDJHVLVGLVSOD\HGDQGWKH
PHQXFDQQRWEHHQWHUHG
5(&(,9,1*$1(:%52$'&$67
:KHQUHFHLYLQJDQHZPHVVDJHDQDOHUWVRXQGLV
KHDUGDQGWKHWH[W1HZPHVVDJHLVVKRZQ
1HZPHVVDJHVDUHDFFHVVLEOHLQVWDQGE\PRGHLP
PHGLDWHO\DIWHUWKH\DUHUHFHLYHG)RUIXUWKHULQIRU
PDWLRQ SOHDVH VHH %ULHI RYHUYLHZ RI SKRQH XVH
,QFRPLQJWUDIILF
$OOQHZEURDGFDVWPHVVDJHVZLOODOVREHVWRUHGLQWR
WKH%URDGFDVWVZKHUHWKH\FDQDFFHVVHGDWDODWHU
WLPH
5(&$//,1*%52$'&$676
7KH %URDGFDVWVPHQXFRQWDLQVDOOWKHEURDGFDVW
PHVVDJHV7KHW\SH QXPEHUVRIWKH PHVVDJHVDUH
GLVSOD\HGIURPWKHQHZHVWWRWKHROGHVW

*600(180(66$*(6
,I\RXZLVKWRGHOHWHDOOWKHPHVVDJHVGLVSOD\HGLQ
WKLV OLVW VHOHFW WKH RSWLRQ 'HOHWH DOOZLWK QDQG
SUHVV2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ
2. DJDLQ RU FDQFHO WKH RSHUDWLRQ E\ SUHVVLQJ
12
<RXFDQUHDGVLQJOHPHVVDJHVDVIROORZV
6HOHFWDPHVVDJHZLWKQDQGSUHVV5($'
%\VFUROOLQJZLWKQ \RXDUH DEOHWR UHDGWKH
ZKROHPHVVDJH
7RUHDGWKHQH[WPHVVDJHSUHVV1(;7:KHQ
DOOWKHPHVVDJHVDUHUHDGWKHULJKWIXQFWLRQNH\
VKRZV2.
&DOOYRLFHPDLO
:LWKWKLVRSWLRQ\RXFDQOLVWHQWRWKHPHVVDJHVOHIW
RQ\RXUYRLFHPDLOVHUYLFH3UHVV6(/(&7RUO
DQGWKHSKRQHZLOOFDOOWKHQXPEHURI\RXUYRLFH
PDLOER[VHUYLFH7RGLVFRQQHFWWKHFDOOSUHVVF
0DNHVXUH\RXKDYHVWRUHG\RXUYRLFHPDLOQXPEHU
FRUUHFWO\7KHVHWWLQJFDQEHDGMXVWHGLQWKH0HV
VDJH VHWXS PHQX IRXQG XQGHU 0DLQ PHQX 6HW
WLQJV*60
9RLFHPDLOVHUYLFHLVDQHWZRUNIHDWXUH
:ULWHPHVVDJH
,QWKLVPHQX\RXFDQ
ZULWHQHZPHVVDJHV
HGLWSRVWSRQHGPHVVDJHV
1(:0(66$*(
3UHVV6(/(&7WRHQWHUWKH:ULWHPHVVDJHPHQX
$OWHUQDWLYHO\ \RX FDQ SUHVV LQWKHVWDQGE\
PRGHDQGKROGLWIRUDIHZVHFRQGV
,IWKHUHDUHQRSRVWSRQHGPHVVDJHVWKHGLVSOD\LV
HPSW\DQG\RXFDQVWDUWZULWLQJQHZPHVVDJHLP
PHGLDWHO\
,IWKHUHDUHSRVWSRQHGPHVVDJHVWKHVHOHFWLRQOLVW
ZLWKWKHPHVVDJHVZLOOEHGLVSOD\HG6HOHFW1HZE\
SUHVVLQJ6(/(&7
3267321('0(66$*(6
7KHPD[LPXPQXPEHURISRVWSRQHGPHVVDJHV LV
OLPLWHG ,I WKH OLPLW LV UHDFKHG WKH ROGHVW SRVW
SRQHGPHVVDJHLVRYHUZULWWHQE\WKHQHZHVWRQH
7XUQLQJWKHSKRQHRIIGRHVQRWFOHDUWKHSRVW
SRQHGPHVVDJHVKRZHYHU

*600(180(66$*(6
3UHVV6(/(&7 WRHQWHUWKH:ULWHPHVVDJH
PHQX
6HOHFWRQHRIWKHSRVWSRQHGPHVVDJHVZLWKQ
DQGSUHVV6(/(&7
'HOHWLQJDSRVWSRQHGPHVVDJH
,I\RXZDQWWRUHPRYHDSRVWSRQHGPHVVDJHZLWK
RXW VHQGLQJ LW WR DQ\RQH RSHQ WKH PHVVDJH DQG
SUHVV6(/(&7
6FUROOWKHIXQFWLRQOLVWZLWKQDQGKLJKOLJKWWKHRS
WLRQ'HOHWH3UHVV2.
:5,7,1*$0(66$*(
7KH PD[LPXP DPRXQW RI FKDUDFWHUV LQ RQH PHV
VDJHLV7KHQXPEHULQWKHXSSHUULJKWFRUQHU
RIWKHGLVSOD\ LQGLFDWHVKRZ PDQ\FKDUDFWHUVFDQ
VWLOOEHXVHGIRUWKHPHVVDJH)RUH[DPSOHZKHQ
\RXVWDUWZULWLQJWKHPHVVDJH\RXKDYHVSDFHIRU
FKDUDFWHUV 7KH PRUH \RX ZULWH WKH VPDOOHU
WKHQXPEHUWKHLQGLFDWRUVKRZV:KHQWKHUHLVQR
VSDFHOHIWLWVKRZV
7RUHPRYHOHWWHUVSUHVV&/($5VKRUWO\
7RDGGOHWWHUVLQWRWKHWH[WSUHVV
7RDGGVSHFLDOFKDUDFWHUVLQWRWKHWH[WSUHVV
IRUDIHZVHFRQGV6HOHFWDOLQHZLWKQ3UHVVWKH
QXPHULFNH\ZKLFKFRUUHVSRQGVWRWKHGHVLUHG
FKDUDFWHU
7RPDNHVSDFHXVH
:LWKQ\RXFDQPRYHLQVLGHWKHWH[W
<RXPD\DOVRPRGLI\WKHWH[WZLWKWKH7WH[W
LQSXWWRROVIRUIXUWKHULQIRUPDWLRQDERXWXVLQJ
WKH 7 WH[W LQSXW SOHDVH VHH WKH FKDSWHU 0DLQ
PHQX$FFHVVRULHV1RWHSDG:ULWLQJDQRWHLQ7
PRGH
,I\RXZLVKWRVWDUWZULWLQJDWRWDOO\HPSW\ PHV
VDJHSUHVV &/($5 IRU D IHZVHFRQGV :KHQ
WKHGLVSOD\LVHPSW\WKHOHIWIXQFWLRQNH\VKRZV
48,7DQGSUHVVLQJLWDOORZV\RXWRFDQFHOZULW
LQJLIGHVLUHG
:KHQWKHPHVVDJHLVZULWWHQSUHVV6(/(&7WR
VHQGVDYHRUSRVWSRQHLW

*600(180(66$*(6
6(1',1*$1'6$9,1*7+(0(66$*(
<RXKDYHIRXU RSWLRQV WR FKRRVH IURP VHQG DQG
VDYHVHQGRQO\VHQGZLWKSRVLWLRQDQGSRVWSRQH
%\ VHOHFWLQJ 6HQG \RX FDQ VHQG WKH PHVVDJH
ZLWKRXWVDYLQJDFRS\RILWIRU\RXUVHOI
%\ VHOHFWLQJ 6HQG DQG VDYH \RX FDQ VHQG WKH
PHVVDJH DQG DOVR VDYHLWWR\RXU6,0FDUG7KH
PHVVDJHLVVWRUHGLQWRWKHRXWER[
+RZHYHU LI WKHUH LV QRW HQRXJK IUHH PHPRU\
VSDFH WR VDYH WKH PHVVDJH 1R IUHH PHPRU\ZLOO
EH GLVSOD\HG DQG \RX ZLOO UHWXUQ WR SUHYLRXV
PHQXOHYHO7KHPHVVDJHZLOOQRWEHVHQWHLWKHU
,QWKLVFDVH\RXPD\GHOHWHVRPHROGPHVVDJHVWR
PDNHVRPHIUHHPHPRU\VSDFHRUVHOHFWWKH6HQG
RSWLRQ
%\ VHOHFWLQJ 6HQG ZLWK SRVLWLRQ \RX FDQ VHQG D
PHVVDJHWRWKHRSHUDWRUZLWKDUHTXHVWIRUSRVL
WLRQLQIRUPDWLRQ
%\VHOHFWLQJ3RVWSRQH\RXFDQVDYHWKHPHVVDJH
DV D GUDIW ZLWKRXW LPPHGLDWHO\ VHQGLQJ LW WR
DQ\RQH,I\RXZLVKWRILQLVKRUVHQGWKHPHVVDJH
ODWHU\RXFDQUHFDOODSRVWSRQHGPHVVDJH
WKURXJK:ULWHPHVVDJHPHQX
6HOHFWDQRSWLRQZLWKQDQGSUHVV2.
.H\LQDQXPEHUDQGSUHVV6(1'RUSUHVV
6($5&+WRORRNIRURQHLQWKHSKRQHERRN
5HFDOODSKRQHQXPEHUIURPWKHSKRQH
ERRNDVIROORZV
,IGHVLUHGNH\LQWKHLQLWLDOVRIWKHQDPH
6FUROOWKURXJKWKHSKRQHERRNZLWKQXQWLO
WKHFRUUHFWQXPEHULVKLJKOLJKWHG
3UHVV6(1'
,IWKHUHLV606WUDQVPLVVLRQIDLOXUHWKHWH[W(UURU
LQVHQGLQJZLOOEHGLVSOD\HG,QWKLVFDVHPDNHVXUH
WKH UHFHLYHU·V SKRQH QXPEHU LQFOXGLQJ SUHIL[
DQGPHVVDJHER[QXPEHUDUHFRUUHFWDQGWKHUHLV
HQRXJK QHWZRUN FRYHUDJH IRU UDGLR FRPPXQLFD
WLRQ

*600(185(&(17&$//6
5(&(17&$//6
7KLV PHQX DQG LWV VXEPHQXV DOORZ \RX WR NHHS
WUDFNRIXQDQVZHUHGDQGUHFHLYHGFDOOV
3UHVV6(/(&7WRHQWHUWKH5HFHQWFDOOVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
8QDQVZHUHGFDOOV
,QWKLVPHQX\RXFDQPDQDJHDQ\FDOOV\RXPD\
KDYHUHFHQWO\PLVVHG
7KH8QDQVZHUHGFDOOVPHQXLWHPLQ*60PHQXKDV
VRPH DGGLWLRQDO LQIRUPDWLRQ DIWHU LW >00@LVWKH
QXPEHU RI DOO XQDQVZHUHG FDOOV OLVWHG DQG WKH
SUHVHQFH RI WKH -V\PEROVKRZVWKDWWKHUHDUH
RQHRUPRUHXQDQVZHUHGFDOOV\RXKDYHQRWFDOOHG
VDYHGRUGHOHWHG\HW
3UHVV6(/(&7WRRSHQWKH8QDQVZHUHG FDOOV
PHQX
8QDQVZHUHGFDOOVDUHRQO\GHWHFWHGZKHQWKH
SKRQHLVWXUQHGRQDQGLQWKHQHWZRUNFRYHUDJHDU
HD
352&(66,1*81$16:(5('&$//6
7KH XQDQVZHUHG FDOO OLVW FRQWDLQV DOO WKH XQDQ
VZHUHGFDOOV7KHFDOOVDUHVRUWHGLQRUGHUIURPWKH
QHZHVWWRWKHROGHVW
<RXFDQVFUROOWKURXJKWKHQXPEHUVZLWKQ
'LVSOD\HGDUHWKHQXPEHURUWKHQDPHRIWKHFDOOHU
GHSHQGLQJRQZKHWKHU\RX KDYHVWRUHGWKH FDOO
HU·VQDPHDQGQXPEHULQ\RXUSKRQHERRNDQG
DOVRWKHGHOLYHU\WLPHRIWKHFDOO
,IDFDOODWWHPSWLVROGHUWKDQKRXUVWKHGHOLYHU\
WLPHLVUHSODFHGE\WKHGHOLYHU\GDWH
,QWZRFDVHVQHLWKHUWKHQXPEHUQRUWKHQDPHRI
WKH FDOOHU ZLOO EH GLVSOD\HG LI WKH FDOOHU KDV WKH
&/,5&DOO/LQH,GHQWLILFDWLRQ 5HVWULFWLRQIHDWXUH
LQXVHRULI\RXUQHWZRUNRSHUDWRUGRHVQRWVXSSO\
WKH&/,3&DOO/LQH,GHQWLILFDWLRQRSWLRQ,QWKHVH
FDVHV \RXU SKRQH FRXQWV DQG GLVSOD\V RQO\ RQH
FDOOZKLFKLVWKHODVWRQH\RXKDYHUHFHLYHG
,I\RXZLVKWRGHOHWHDOOWKHFDOOVGLVSOD\HGLQWKLV
OLVWVHOHFWWKHRSWLRQ'HOHWHDOOZLWKQDQGSUHVV
2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.DJDLQ
RUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ12

*600(185(&(17&$//6
<RXFDQDOVRSURFHVVVLQJOHFDOOVDVIROORZV
7RFDOODQXPEHULQWKHOLVWSUHVVO
7R VDYH D SKRQH QXPEHU IURP WKH OLVW VHOHFW D
FDOODQGSUHVV6(/(&77KHQ VHOHFW6DYHDQG
SUHVV6(/(&7
7RGHOHWHDFDOOVHOHFWLWZLWK6(/(&7 7KHQ
VHOHFW'HOHWHDQGSUHVV2.&RQILUPWKHGHOH
WLRQE\SUHVVLQJ2.RUFDQFHOWKHRSHUDWLRQ
E\SUHVVLQJ12
5HFHLYHGFDOOV
,QWKLVPHQX\RXFDQPDQDJHDQ\FDOOV\RXPD\
KDYHUHFHQWO\UHFHLYHG
7KH 5HFHLYHG FDOOV PHQX LWHP LQ *60 PHQX KDV
VRPH DGGLWLRQDO LQIRUPDWLRQ DIWHU LW >00@LVWKH
QXPEHURIDOOUHFHLYHGFDOOVOLVWHG
3UHVV6(/(&7WRRSHQWKH5HFHLYHG&DOOVPHQX
352&(66,1*5(&(,9('&$//6
7KLV UHFHLYHG FDOO OLVW FRQWDLQV DOO WKH UHFHLYHG
FDOOV
<RXFDQSURFHVVUHFHLYHGFDOOVLQWKHVDPHZD\DV
XQDQVZHUHGFDOOV
&DOOFRXQWHUV
,QIRUPDWLRQ DERXW FDOO GXUDWLRQV LV VKRZQ DW WKH
ERWWRPRIWKH5HFHQWFDOOVPHQX
7KH/DVW FDOOLWHP VKRZV \RX WKHGXUDWLRQ RIWKH
ODVWFDOOLQKRXUVDQGPLQXWHV7KHFDOOFDQEHHL
WKHURXWJRLQJRULQFRPLQJFDOO
7KH7RWDOFDOOVLWHPVKRZVWKHWRWDOGXUDWLRQRIDOO
FDOOVLQKRXUVDQGPLQXWHV
<RXFDQUHVHWWKHWRWDOFDOOVFRXQWHULQWKH1HWZRUN
VHUYLFHV PHQX XQGHU WKH &DOO FRVWVXEPHQX
3OHDVHQRWHWKDW\RXQHHGWKH3,1FRGHWRUHVHW
WKHFRXQWHU

*600(181(7:25.6(59,&(6
1(7:25.6(59,&(6
7KLVPHQXDQGLWVVXEPHQXVDOORZ\RXWRDFFHVV
YDULRXV QHWZRUN VHUYLFHV VXFK DV FDOO GLYHUVLRQV
FDOOEDUULQJVFDOOZDLWLQJDQGFDOOFRVWV
3UHVV 6(/(&7 WR HQWHU WKH 1HWZRUN VHUYLFHV
PHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
1HWZRUNVHOHFWLRQ
<RXFDQFKDQJHWKHQHWZRUN\RXDUHXVLQJZLWKWKLV
LWHP %\ SUHVVLQJ &+$1*( WKH SKRQH VWDUWV
VFDQQLQJDYDLODEOHQHWZRUNV$IWHUWKDWDOLVWRI
DYDLODEOHQHWZRUNVZLOOEHGLVSOD\HG
,I\RXVHOHFW$XWRPDWLFWKHSKRQHVHOHFWVWKHPRVW
VXLWDEOHDOORZHGQHWZRUNIRU\RX
:KHQWUDYHOOLQJDEURDGXVHRIWKH$XWRPDWLFLVUHF
RPPHQGHG
,I\RXVHOHFWDQ\RIWKHQDPHGQHWZRUNVWKHQHW
ZRUNVHOHFWLRQPRGHLVFKDQJHGWRPDQXDODQGWKH
SKRQHDOZD\VWULHVDWILUVWWRFRQQHFWZLWKWKHFKR
VHQ QHWZRUN DQG LI LW LV QRW DYDLODEOH WKH OLVW RI
DYDLODEOHQHWZRUNVZLOOEHGLVSOD\HG
6HOHFWWKHGHVLUHGRSWLRQZLWKQDQGSUHVV2.
7KHSKRQHZLOOUHJLVWHUZLWKWKHFKRVHQQHWZRUN
7KHV\PEROLQGLFDWHVWKDWXVHRIWKHRSHUDWRULV
QRWDOORZHG,I\RXFKRRVHWKLVRSHUDWRU\RXFDQ
RQO\PDNHHPHUJHQF\FDOOV
&DOOGLYHUWV
3UHVV6(/(&7WRRSHQWKH&DOOGLYHUWVPHQX
',9(57$//
%\VHOHFWLQJ $OODQGSUHVVLQJ6(/(&7\RXFDQ
YLHZDQGVHWXSWKHSKRQHQXPEHUWKDWLVXVHGDV
DWDUJHWIRUFDOOGLYHUWV
7RFOHDUWKHGLYHUVLRQVHOHFW&OHDUDQGSUHVV
2.7KHWH[W'LYHUW$OOFOHDUHGZLOOEHVKRZQ
7RVHWXSDGLYHUVLRQVHOHFW'LYHUW FDOOV WRDQG
SUHVV &+$1*( .H\ LQ D SKRQH QXPEHU DQG
SUHVV2. <RXFDQ DOVR VHOHFWD QXPEHUIURP
WKHSKRQHERRNE\SUHVVLQJ6($5&+

*600(181(7:25.6(59,&(6
5HFDOOLQJDSKRQHQXPEHUIURPWKHSKRQHERRN
LVGRQHDVIROORZV
,IGHVLUHGNH\LQWKHLQLWLDOVRIWKHQDPH,I\RX
GRQRWSURYLGHDQ\LQLWLDOV\RXZLOOVWDUW
VHDUFKLQJDWWKHWRSRIWKHSKRQHERRNOLVW
6FUROOWKURXJKWKHSKRQHERRNZLWKQXQWLOWKH
FRUUHFWQXPEHULVVHOHFWHG7KHILUVWLWHPLQWKH
OLVWLV9RLFHPDLOER[
3UHVV2.
:KHQWKHGLYHUWLVVXFFHVIXOO\VHWXSDWH[WVXFKDV
'LYHUW$OODFWLYHWRZLOO EH VKRZQ ,I
WKHQXPEHUZKLFKWKHFDOOVDUHGLYHUWHGWRLVVWRUHG
LQWKHSKRQHERRNWKHQDPHLVGLVSOD\HGLQVWHDG
RIWKHQXPEHUHJ'LYHUW$OODFWLYHWR%HQHIRQ
$VDVLJQRIGLYHUWLQJDOOFDOOVDQDUURZZLOO
EHGLVSOD\HGZKHQWKHSKRQHLVUHWXUQHGWRVWDQG
E\PRGH
',9(57%86<
7KHFDOOZLOOEHGLYHUWHGZKHQWKHSKRQHLVEXV\
7KLVVXEPHQXIXQFWLRQVDVWKH$OOVXEPHQX
',9(57127$16:(5('
7KHFDOOZLOOEHGLYHUWHGZKHQ\RXGRQRWDQVZHU
LW DIWHU FHUWDLQ QXPEHU RI ULQJV 7KLV VXEPHQX
IXQFWLRQVDVWKH$OOVXEPHQX
',9(571275($&+$%/(
7KHFDOOZLOOEHGLYHUWHGZKHQWKHSKRQHLVRXWVLGH
WKHQHWZRUNFRYHUDJHDUHDRULVWXUQHGRII7KLV
VXEPHQXIXQFWLRQVDVWKH$OOVXEPHQX
&/($5$//',9(576
8VH WKLV RSWLRQ LI \RX ZLVK WR FOHDU DOOGLYHUWV DW
RQFH 3UHVV 2. DQG FRQILUP \RXU FKRLFH E\
SUHVVLQJ2.DJDLQ

*600(181(7:25.6(59,&(6
&DOOEDUULQJV
,QWKLVPHQX\RXFDQEDUERWKRXWJRLQJDQGLQFRP
LQJFDOOV3OHDVHQRWHWKDWFDOOEDUULQJDOVRDIIHFWV
FDOOGLYHUWV
7KHFDOOEDUULQJRSWLRQLVXVXDOO\DQHWZRUNIHDWXUH
DQG\RXQHHGWKHQHWZRUNFRGHIRUDFWLYDWLQJWKH
FDOOEDUULQJRSWLRQ7KHQHWZRUNFRGHLVJLYHQ\RX
E\WKHRSHUDWRUZKHQWKHEDUULQJVHUYLFHLVVXE
VFULEHG
3UHVV6(/(&7WRRSHQWKH&DOOFRXQWHUVPHQX
287*2,1*&$//6
7KHILUVWVHFWLRQRIWKHPHQXDOORZV\RXWRVHWEDU
ULQJVWKDWFRQFHUQRXWJRLQJFDOOVRQO\
%DUDOORXWJRLQJFDOOV
:LWKWKLVRSWLRQ\RXFDQEDUDOORXWJRLQJFDOOVVR
\RXFDQRQO\UHFHLYHLQFRPLQJFDOOV
3UHVV6(/(&7WRVHOHFW$OO
<RXZLOOVHHDFKHFNER[WKDWLQGLFDWHVZKHWKHU
WKHEDUULQJLVRQRURII
3UHVV&+$1*(WRWXUQWKHRSWLRQRQRURII
.H\LQWKHQHWZRUNFRGHDQGSUHVV2.
:KHQILQLVKHGSUHVV48,7WRUHWXUQWRWKH
&DOOEDUULQJVPHQX
%DURXWJRLQJLQWHUQDWLRQDOFDOOV
:LWKWKH,QWHUQDWLRQDORSWLRQ\RXFDQEDUDOORXWJR
LQJLQWHUQDWLRQDOFDOOV<RXFDQVWLOOPDNHGRPHVWLF
FDOOVDQGUHFHLYHERWKGRPHVWLFDQGLQWHUQDWLRQDO
FDOOV
7KLV VXEPHQX IXQFWLRQV DV WKH %DU DOO RXWJRLQJ
FDOOVIHDWXUHGHVFULEHGDERYH
%DUDOORXWJRLQJLQWHUQDWLRQDOFDOOV
H[FHSWWRKRPHFRXQWU\
:LWKWKH,QW¶O H[FHSW KRPH RSWLRQ \RX FDQ EDU DOO
RXWJRLQJ LQWHUQDWLRQDO FDOOV H[FHSW FDOOV WR \RXU
KRPH FRXQWU\ <RX FDQ DOVR PDNH GRPHVWLF FDOOV
DQGUHFHLYHERWKGRPHVWLFDQGLQWHUQDWLRQDOFDOOV
7KLV VXEPHQX IXQFWLRQV DV WKH %DU DOO RXWJRLQJ
FDOOVIHDWXUHGHVFULEHGDERYH

*600(181(7:25.6(59,&(6
,1&20,1*&$//6
7KHVHFRQGVHFWLRQRIWKHPHQXDOORZV\RXWRVHW
EDUULQJVWKDWFRQFHUQLQFRPLQJFDOOVRQO\
%DUDOOLQFRPLQJFDOOV
:LWKWKH$OORSWLRQ\RXFDQRQO\PDNHFDOOVQRWUH
FHLYHWKHP7KLVVXEPHQXIXQFWLRQVDVWKH%DUDOO
RXWJRLQJFDOOVIHDWXUHGHVFULEHGDERYH
%DULQFRPLQJFDOOVZKHQURDPLQJ
:LWKWKH:KHQURDPLQJRSWLRQ\RXFDQUHFHLYHFDOOV
RQO\ZKHQ\RXDUHZLWKLQWKHDUHDRI\RXURZQQHW
ZRUNRSHUDWRU
<RXPD\QHHGWKLVRSWLRQZKHQ\RXDUHURDPLQJ
EHFDXVHPDQ\QHWZRUNRSHUDWRUVDQGVHUYLFHSUR
YLGHUV FKDUJH IRU UHFHLYLQJ FDOOV ZKHQ \RX DUH
URDPLQJ
7KLV VXEPHQX IXQFWLRQV DV WKH %DU DOO RXWJRLQJ
FDOOVIHDWXUHGHVFULEHGDERYH
&/($5%$55,1*6
8VHWKLVRSWLRQLI\RXZLVKWRFOHDUDOOFDOOEDUULQJV
DWRQFH3UHVV2.HQWHUWKHQHWZRUNFRGHDQG
SUHVV2.DJDLQ
&DOOZDLWLQJ
,IDFDOOLVLQSURJUHVV DQG\RXKDYHDQLQFRPLQJ
FDOOWKHQHWZRUNZLOOQRWLI\\RXLI\RXKDYHWKHFDOO
ZDLWLQJRSWLRQWXUQHGRQ&DOOZDLWLQJLVDQHWZRUN
IHDWXUH
3UHVV6(/(&7WRVHOHFW&DOOZDLWLQJ
<RXZLOOVHHDFKHFNER[WKDWLQGLFDWHVZKHWKHU
FDOOZDLWLQJLVRQRURII
3UHVV&+$1*(WRWXUQWKHRSWLRQRQRURII
&DOOFRVW
7KLVPHQXFRQWDLQVLQIRUPDWLRQRQWKHFDOOFKDUJ
HV,WDOVRSURYLGHVRSWLRQVIRUUHVHWWLQJWKHFKDUJH
FRXQWHUDQGVHWWLQJDFKDUJHOLPLWIRUFDOOV7KHVH
RSWLRQVDUHXVHIXOHVSHFLDOO\ZKHQWKHXVHULVQRW
WKHVXEVFULEHU
&DOOFRVWLVDQHWZRUNIHDWXUH,QRUGHUWRXVHVRPH
RIWKHVHRSWLRQV\RXQHHGWRKDYHDVSHFLILF6,0
FDUGDVZHOODVD3,1FRGH)RUIXUWKHULQIRUPD
WLRQ RQ WKHVH FKDUJLQJ VHUYLFHV SOHDVH FRQWDFW
\RXUQHWZRUNRSHUDWRU
,IWKHFDOOFRVWIHDWXUHLVQRWHQDEOHGRQ\RXU6,0
FDUG\RXFDQQRWHQWHUWKH&DOOFRVWPHQXDWDOO

*600(181(7:25.6(59,&(6
3UHVV6(/(&7WRHQWHUWKH&DOOFRVWPHQX
<RXZLOOVHHDPHQXZLWKWKHLWHPV/DVWFDOO7R
WDOFDOOV0RQH\OHIW0D[LPXP XQLWVDQG 3ULFH
8QLW
6HOHFWRQHRIWKHIRXURSWLRQVZLWKQ3UHVV
/$67&$//&267
8VHWKLVRSWLRQWRFKHFNWKHFRVWRIWKHODVWFDOO
/DVWFDOOFRXQWHUYDOXH LVGLVSOD\HGLQFXUUHQF\LI
\RX KDYH GHWHUPLQHG SULFH IRU XQLW LQ 3ULFHXQLW
DQG VHW YDOXH IRU FXUUHQF\ LQ 0DLQ PHQXXQGHU
6HWWLQJV8QLWV&XUUHQF\
7KHFRXQWHUYDOXHRIWKHODVWFDOOZLOOEHUHVHWDX
WRPDWLFDOO\ZKHQWKH6,0LVUHPRYHGRUDQHZFDOO
DWWHPSWLVPDGHRUFDOOLVUHFHLYHG
727$/&$//6&267
7KLVPHQXLWHPVKRZVWKHFRVWRIDOOSUHFHGLQJ
FDOOVLQFOXGLQJWKHODVWFDOO
&RXQWHUYDOXHIRUWRWDOFDOOVLVGLVSOD\HGLQFXUUHQ
F\LI\RXKDYHGHWHUPLQHGFXUUHQF\DQGVHWYDOXH
IRUXQLWSULFHLQ3ULFHXQLWDQGVHWYDOXHIRUFXUUHQ
F\LQWKH0DLQPHQXXQGHU6HWWLQJV8QLWV&XUUHQ
F\
5HVHWWLQJWKHFRVWRIWRWDOFDOOV
3UHVV5(6(7WRUHVHWWKHFRXQWHU
<RXDUHDVNHGWKH3,1FRGH.H\LWLQDQG
SUHVV2.
7KHWH[W&RXQWHUUHVHWZLOOEHGLVSOD\HG
021(</()7
8VHWKLVRSWLRQWRFKHFNWKHDPRXQWRIPRQH\\RX
KDYHOHIW
7KHDPRXQWRIPRQH\OHIWLVGLVSOD\HGLI\RXKDYH
GHWHUPLQHGSULFHIRUXQLWLQ3ULFHXQLWDQGVHWYDO
XHIRUFXUUHQF\LQWKH0DLQPHQXXQGHU6HWWLQJV
8QLWV&XUUHQF\
0$;,08081,76
8VHWKLVRSWLRQLI\RXZLVKWRYLHZVHWRUFKDQJH
WKHFUHGLWOLPLWIRUWRWDOFDOOV
,IWKHFRXQWHUUHDFKHVWKHOLPLWGXULQJDFKDUJHDEOH
FDOOWKHFDOOZLOOEHWHUPLQDWHG$VVRRQDVWKHOLPLW
KDVEHHQH[FHHGHGRQO\ORFDOHPHUJHQF\FDOOVDQG

*600(181(7:25.6(59,&(6
RWKHUQRQFKDUJHDEOHFDOOVFDQEHPDGH,I\RXWU\
WR PDNH RU UHFHLYH D FKDUJHDEOHFDOO XQGHU WKHVH
FRQGLWLRQVWKHWH[W1RPRQH\ZLOOEHGLVSOD\HG
<RXFDQFKHFNWKHPD[LPXPFDOOFRVWLQ\RXUVH
OHFWHGFXUUHQF\E\XVLQJQWRVHOHFW0D[LPXPXQLWV
DQGZDLWLQJIRUDIHZVHFRQGV,I\RXZLVKWRILQG
RXWZKHQWKHFRVWRI\RXUFDOOVLVDERXWWRUHDFKWKH
OLPLW\RXPD\VXEVWUDFWWKHWRWDOFDOOVFRVWIURP
WKH PD[LPXP FRVW (J LI WKH PD[LPXP FRVW LV
),0DQGWKHWRWDOFDOOVFRXQWHUVKRZVWKDW
\RXKDYHDOUHDG\VSHQW),0LWPHDQV\RX
VWLOOKDYH),0WRVSHQGIRUFDOOV
7KHPD[LPXPFUHGLWWKDWFDQEHXVHGIRUQRQ
IUHH FDOOV LV VKRZQ 7KH FUHGLW OLPLW IRU WRWDO
FDOOVLVGLVSOD\HGLQFXUUHQF\LI\RXKDYHVHWYDO
XHIRUXQLWSULFHLQ3ULFH8QLW2WKHUZLVH WKH
FUHGLWIRUWRWDOFDOOVZLOOEHGLVSOD\HGLQXQLWV
,I\RXZLVKWRVHWRUFKDQJHWKHOLPLWSUHVV
&+$1*(
.H\LQWKH3,1FRGHDQGSUHVV2.
,IWKHOLPLWKDVEHHQVHWSUHYLRXVO\WKHFXUUHQW
VHWWLQJLVVKRZQKHUH,I\RXZLVKWRFKDQJHWKH
OLPLWNH\LQWKHQHZOLPLWYDOXHDQGSUHVV
2.,QFDVHWKHOLPLWLVVHWWR]HURLWLVDV
VXPHGWKDWWKHUHLVQROLPLWLQXVH
35,&(81,7
&KDUJLQJ LQIRUPDWLRQ LV FDOFXODWHG DQG VWRUHG DV
FKDUJLQJXQLWV8QLWVDUHLQGHSHQGHQWRIDQ\FXU
UHQF\
8VHWKLVRSWLRQLI\RXZLVKWRUHDGDQGVHWSULFHIRU
XQLW$IWHUFRPSOHWLQJWKHVHWWLQJWKHFDOOFRVWLQ
IRUPDWLRQZLOOEHGLVSOD\HGLQFXUUHQF\LQVWHDGRI
XQLWV
,I\RXZLVKWRVHWRUFKDQJHWKHSULFHSHUXQLW
SUHVV&+$1*(
.H\LQWKH3,1FRGHDQGSUHVV2.
.H\LQWKHGHVLUHGSULFHSHUXQLWDQGSUHVV
2.7RDGGDGHFLPDOSRLQWSUHVV
7KHSULFHSHUXQLWGHSHQGVRQ\RXURSHUDWRU
7KHSULFHSHUXQLWFDQEHVHW KLJKHUWKDQWKH
DFWXDO FKDUJH VR WKDW DOO WKH H[WUD FRVWV ZLOO
DOVREHFRYHUHG,QFDVHWKHSULFHSHUXQLWLVVHW
WR]HURWKLVIHDWXUHLVQRWLQXVH
&KDQJLQJWKHSULFHRIDQXQLWPD\FDXVHPLQRULQ
DFFXUDFLHV LQ WKH UHVXOW GLVSOD\HG +RZHYHU
URXQGLQJWKHQXPEHUGRHVQRWDIIHFWFRXQWHUYDO
XHVZKLFKDUHVWRUHGLQXQLWV

*600(18+(/3'(6.
+(/3'(6.
,I\RXQHHGDVVLVWDQFHLQXVLQJ\RXU%HQHIRQ(VF
SKRQHRUPDSV\RXFDQVHQGDKHOSUHTXHVWFRQ
WDLQLQJ \RXU FXUUHQW SRVLWLRQ DQG SUHIHUUHG ODQ
JXDJHWR%HQHIRQ(VF+HOSGHVNVHUYLFH$IWHUD
ZKLOHD WHFKQLFDOVXSSRUW SHUVRQZLOOJLYH \RXD
FDOO7KHUHDUHXVDJHUHVWULFWLRQVWRWKLVVHUYLFH
<RXZLOOKDYHWREHDUHJLVWHUHGXVHUWRXVHWKLVVHU
YLFH3OHDVHFKHFNWKH,QWHUQHWVLWH
ZZZJHQLPDSFRPIRUPRUHLQIRUPDWLRQ
3OHDVHVHHWKHFKDSWHU0DLQPHQX6HWWLQJV+HOS
'HVNIRUIXUWKHULQIRUPDWLRQRQVHWWLQJXSWKHSUH
IHUUHGODQJXDJHDQGWKH+HOSGHVNQXPEHU
7RVHQGDKHOSUHTXHVWGRDVIROORZV
8VHQWRVHOHFW+HOSGHVN
&RQILUPVHQGLQJWKHUHTXHVWE\SUHVVLQJ2.
RUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ12

*360(18:$<32,176
*360(18
7KH*36PHQXWUHHDOORZV\RXWRDFFHVVDQGPDQ
DJH WKH ZD\SRLQWV DQG URXWHV XVH WKH YDULRXV
)ULHQG)LQGIHDWXUHVDQGVHQGRUXSGDWH\RXUSR
VLWLRQ<RXFDQDOVRUHTXHVWDURXWHRUZD\SRLQWV
IURPDVHUYLFHSURYLGHUFOHDU\RXUGHVWLQDWLRQRU
UHVHWDOOQDYLJDWRUFRXQWHUV
3UHVV*36WRHQWHUWKH*36PHQXIURPDQ\RI
WKHQDYLJDWRUSDJHV
8VHQWRVFUROOWKURXJKWKHPHQXLWHPVDQGVXE
PHQXV
7R VHOHFW RQH RI WKH LWHPV SUHVV 7KLV ZD\
\RX FDQ HQWHU VXEPHQXV DFWLYDWH FRPPDQGV
DQGWXUQRSWLRQVRQDQGRII
3UHVV 48,7WRUHWXUQWRWKHSUHYLRXVPHQX
OHYHOIURPDVXEPHQX
:$<32,176
$ZD\SRLQWLVDORFDWLRQRUVSRWWKDWFRQVLVWVRID
ODEHODV\PEROIRUVKRZLQJLWRQWKHPDSDQGD
SDLURIFRRUGLQDWHVHJODWLWXGHDQGORQJLWXGH
:D\SRLQWVDUHXVHGIRUQDYLJDWLRQSXUSRVHVLHWR
PDUNVSRWVDQGXVHWKHPDVGHVWLQDWLRQVRUWR
FRPELQHVHYHUDOZD\SRLQWVWRDURXWH
7KH:D\SRLQWVPHQXLWHPLQ*36PHQXKDVVRPH
DGGLWLRQDOLQIRUPDWLRQDIWHULW>::@LVWKHQXPEHU
RIDOOZD\SRLQWVVWRUHGLQWKHPHPRU\
3UHVV6(/(&7WRRSHQWKH:D\SRLQWVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
7KHZD\SRLQWVPHQXVKRZV\RXDOOWKHZD\SRLQWV
WKDWDUHFXUUHQWO\VWRUHGLQ\RXUSKRQH·VPHPRU\
7RGHOHWHDOOZD\SRLQWVDWRQFHVHOHFW'HOHWHDOO
DQGSUHVV2.&RQILUPWKHGHOHWLRQE\SUHVV
:D\SRLQWV
*36PHQX
Q
5RXWHV
)ULHQG)LQG
606ZLWKFRRUGV
5HTXHVWVHUYLFH
8SGDWHSRVLWLRQ
>@
>@
>@
6SHHG 7LPH
0DSV >@
5HTXHVW$*36
&OHDUGHVWLQDWLRQ
6NLSURXWHSRLQW

*360(18:$<32,176
LQJ 2. DJDLQ RU FDQFHO WKH RSHUDWLRQ E\
SUHVVLQJ12
7R FKDQJH WKH RUGHU LQ ZKLFK ZD\SRLQWV DUH
OLVWHG VHOHFW 2UGHU DQG SUHVV &+$1*( :D\
SRLQWVFDQEHRUGHUHGE\WLWOHSUR[LPLW\RUV\P
ERO
3OHDVHQRWHWKDWPRVWRIWKHZD\SRLQWIXQFWLRQV
FDQDOVREHXVHGE\SRLQWLQJDWDZD\SRLQWRQWKH
0DSQDYLJDWRUSDJH)RUIXUWKHULQIRUPDWLRQ
SOHDVH VHH %ULHI RYHUYLHZ RI QDYLJDWRU XVH 0DS
3RLQWLQJPRGH
&5($7,1*$1(::$<32,17
&KRRVH1HZE\SUHVVLQJ6(/(&7
,IWKHUHLVQRIUHHPHPRU\IRUZD\SRLQWVOHIW
WKHWH[W1RIUHHPHPRU\ZLOOEHVKRZQ,QWKLV
FDVH\RXFDQQRWVWRUHDQ\QHZZD\SRLQWVXQ
OHVV\RXILUVWGHOHWHVRPHROGRQHV
2WKHUZLVH\RXZLOOHQWHUDPHQXZKHUHZD\
SRLQWWLWOHV\PERODQGFRRUGLQDWHVDUHGLV
SOD\HGDQGFDQEHHGLWHG
6HOHFWDQRSWLRQWRHGLWZLWKQDQGSUHVV
&+$1*(
(GLWLQJZD\SRLQWWLWOH
.H\LQDQHZWLWOHDQGSUHVV2.
&KDQJLQJZD\SRLQWV\PERO
6HOHFWDOLQHZLWKQDQGSUHVVWKHQXPHULF
NH\ZKLFKFRUUHVSRQGVWKHGHVLUHGV\PERO
(GLWLQJFRRUGLQDWHV
7KH FRRUGLQDWHV DUH WKRVH RI \RXU SUHVHQW
SRVLWLRQ<RXFDQNH\LQQHZFRRUGLQDWHVE\
SUHVVLQJ WKH QXPHULF NH\V 3UHVV 2.
ZKHQUHDG\
:KHQ \RX DUH ILQLVKHG ZLWK HGLWLQJ WKH QHZ
ZD\SRLQWSUHVV'21(
<RXDUHDVNHGLI\RXZDQWWRVDYHWKHQHZZD\
SRLQW 0DNHD VHOHFWLRQ E\SUHVVLQJ12RU
2.
6(77,1*'(67,1$7,21
<RXFDQVHWDQ\ZD\SRLQWWREHXVHGDVGHVWLQDWLRQ
7KHSKRQHZLOOWKHQJLYH\RXGLUHFWLRQVWRQDYLJDWH
WRWKDWSRLQW

*360(18:$<32,176
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW6HWDVGHVWLQDWLRQDQGSUHVV2.
6(77,1*326,7,21
<RXFDQWULFNWKHSKRQHLQWREHOLHYLQJWKDWWKHVH
OHFWHG ZD\SRLQW LV \RXU FXUUHQW SRVLWLRQ 7KLV LV
XVHIXOHJZKHQ\RXZDQWWRXVHWKHPDSZKLOH
FRQVHUYLQJWKHEDWWHU\E\QRWKDYLQJWKH*36RQRU
ZKHQ\RXZDQWWRVSHHGXSWKHLQLWLDOSRVLWLRQFDO
FXODWLRQVRIWKH*36
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW6HWDVSRVLWLRQDQGSUHVV2.
7KLVRSWLRQLVRQO\DYDLODEOHZKHQWKH*36PRGXOH
LVQRWDFWLYHRUKDVQRYDOLGSRVLWLRQ
6(1',1*606:,7+&225',1$7(6
<RXFDQ VHQG WKHFRRUGLQDWHV RI DZD\SRLQW DV D
SDUWRIDVKRUWPHVVDJH
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW606ZLWKFRRUGVDQGSUHVV6(/(&7
<RXFDQQRZHQWHUDVKRUWPHVVDJHWRDFFRP
SDQ\WKHFRRUGLQDWHV7KLVFDQEHGRQHWKH
VDPHZD\DVZULWLQJDQ\VKRUWPHVVDJH)RUIXU
WKHULQIRUPDWLRQSOHDVHVHHWKHFKDSWHU*60
PHQX0HVVDJHV:ULWHPHVVDJH
6(1',1*$:$<32,17
<RXFDQVHQGDZD\SRLQWWRDQRWKHU%HQHIRQ(6&
SKRQH
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
8VHQWRVHOHFW6HQGZD\SRLQWDQGSUHVV6(
/(&7
.H\LQWKHUHFHLYHUVSKRQHQXPEHUXVLQJQX
PHULFNH\VDQG&/($5RUVHOHFWDQXPEHU
IURPWKHSKRQHERRN
7RUHFDOODSKRQHQXPEHUIURPWKHSKRQH
ERRNSOHDVHGRDVIROORZV
&OHDUDQ\QXPEHUVE\SUHVVLQJDQGKROG
LQJ&/($5IRUDIHZVHFRQGV
3UHVV6($5&+,IGHVLUHGNH\LQWKHLQL
WLDOVRIWKHQDPH
3UHVV5($'

*360(18:$<32,176
6FUROO WKURXJK WKH SKRQH ERRN ZLWK Q
XQWLOWKHFRUUHFWQXPEHULVVHOHFWHG
3UHVV2.
3UHVV6(1'
3OHDVHQRWHWKDWZD\SRLQWLVVHQWDVDVKRUWPHV
VDJHVRWKHSULFHRIDUHJXODUVKRUWPHVVDJHZLOOEH
FKDUJHGIURP\RXIRUHDFKZD\SRLQW\RXVHQG
5(48(67,1*$5287(
<RXFDQUHTXHVWDVHUYLFHSURYLGHUWRVHQG\RXD
URXWHWRWKHVHOHFWHGSRLQW
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
8VHQWRVHOHFW5HTXHVWURXWHDQGSUHVV6(
/(&7
.H\LQUHFHLYHUVSKRQHQXPEHUXVLQJQXPHU
LF NH\V DQG &/($5
RU VHOHFW WKH QXPEHU
IURPWKHSKRQHERRN
3UHVV6(1'
3OHDVHQRWHWKDWUHTXHVWLVVHQWDVDVKRUWPHVVDJH
VRWKHSULFHRIDUHJXODUVKRUWPHVVDJHZLOOEH
FKDUJHGIURP\RXIRUHDFKUHTXHVW\RXVHQG0RUH
RYHUWKHVHUYLFHSURYLGHUPD\FKDUJH\RXIRUVHQG
LQJWKHURXWH
7KLV VHUYLFHLV RQO\DYDLODEOH IURP FHUWDLQ VHUYLFH
SURYLGHUV
9,(:,1*7+(0$3
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW6KRZRQPDSDQGSUHVV6(/(&7
<RXZLOOVHHDPDSZLWKWKHVHOHFWHGZD\SRLQW
VKRZQLQWKHPLGGOH
8VHDQGbWR]RRPLQDQGRXW
8VHDQG
WRVFUROOWKHPDS
029,1*$:$<32,17
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW 0RYHDQGSUHVV 6(/(&7 6HOHFWHG
ZD\SRLQWVWDUWVWREOLQN

*360(18:$<32,176
7KHVHOHFWHGZD\SRLQWLWVODEHODQGV\PEROZLOO
PRYHDORQJZLWKWKHSRLQWHURQWKHPDS&RRU
GLQDWHVDUHGLVSOD\HGRQWKHWRSRIWKHGLVSOD\
(',7,1*
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV6(
/(&7
6HOHFW(GLWDQGSUHVV6(/(&7
<RX FDQ QRZ FKRRVH ZKHWKHU \RX ZDQW WR
FKDQJHWKHWLWOHV\PERORUFRRUGLQDWHVRIWKH
ZD\SRLQW&KRRVHWKHLWHP\RXZDQWWRHGLWE\
VHOHFWLQJLWZLWKQ3UHVV&+$1*(
(GLWLQJZD\SRLQWWLWOH
5HPRYH FKDUDFWHUV E\ SUHVVLQJ &/($5
.H\LQDQHZWLWOHDQGSUHVV2.
&KDQJLQJZD\SRLQWV\PERO
6HOHFWDOLQHZLWKQDQGSUHVVWKHQXPHULF
NH\ZKLFKFRUUHVSRQGVWKHGHVLUHGV\PERO
(GLWLQJFRRUGLQDWHV
$V D GHIDXOW VHWWLQJ WKH FRRUGLQDWHV DUH
WKRVHRI\RXUSUHVHQWSRVLWLRQ<RXFDQNH\
LQQHZFRRUGLQDWHVE\SUHVVLQJWKHQXPHULF
NH\V3UHVV2.ZKHQUHDG\
:KHQ\RXDUHILQLVKHGZLWKHGLWLQJWKHZD\
SRLQWSUHVV'21(
6DYHWKHFKDQJHVE\SUHVVLQJ2.RUFDQFHO
WKHRSHUDWLRQE\SUHVVLQJ12
'(/(7,1*
6HOHFWDZD\SRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW'HOHWHDQGSUHVV2.
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.DJDLQ
RUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ12

*360(185287(6
5287(6
$URXWHLVDFRPELQDWLRQRIWZRRUPRUHZD\SRLQWV
FRPELQHGWRGHILQHDFRXUVHRIWUDYHO5RXWHVDUH
XVHGIRUQDYLJDWLRQSXUSRVHVDVGHVWLQDWLRQV
7KH5RXWHVPHQXLWHPLQ*36PHQXKDVVRPHDG
GLWLRQDOLQIRUPDWLRQDIWHULW>55@LVWKHQXPEHURI
DOOURXWHVVWRUHGLQWKHPHPRU\
3UHVV6(/(&7WRRSHQWKH5RXWHVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
7KHURXWHVPHQXVKRZV\RXDOOWKHURXWHVWKDWDUH
FXUUHQWO\VWRUHGLQ\RXUSKRQH·VPHPRU\
7R GHOHWH DOO URXWHV DW RQFH VHOHFW'HOHWH DOODQG
SUHVV2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ
2. DJDLQRUFDQFHO WKHRSHUDWLRQ E\SUHVVLQJ
12
&5($7,1*$1(:5287(
&KRRVH1HZE\SUHVVLQJ6(/(&7,IWKHUHLVQR
IUHHPHPRU\IRUURXWHVOHIWWKHWH[W1RIUHHPHP
RU\ZLOOEHVKRZQ,QWKLVFDVH\RXFDQQRWVWRUH
DQ\ QHZ URXWHV XQOHVV \RX ILUVW GHOHWH VRPH ROG
RQHV
,QLWLDOO\WKHUHDUHQRZD\SRLQWVRQDQHZURXWH
EXW\RXFDQDGGDQGUHPRYHWKHPDV\RXOLNH
$GGLQJDZD\SRLQW
7RDGGWKHILUVWZD\SRLQWWRWKHURXWHSUHVV
,16(57
7RDGGPRUHZD\SRLQWVWRWKHURXWHVHOHFWD
URZDQGSUHVV6(/(&76HOHFWZKHWKHU\RX
ZDQWWRDGGDZD\SRLQWEHIRUHRUDIWHUWKHVH
OHFWHGZD\SRLQWRQWKHURXWHDQGSUHVV6(
/(&7<RXZLOOHQWHUDPHQXLQZKLFK\RXFDQ
VHOHFWDZD\SRLQW0DNHDFKRLFHDQGSUHVV
2.
'HOHWLQJDZD\SRLQW
6HOHFWDZD\SRLQWIURPWKHURXWH3UHVV6(/(&7
6HOHFW'HOHWHDQGSUHVV2.
)LQLVKLQJURXWHFUHDWLRQ
:KHQ\RXDUHILQLVKHGZLWKFUHDWLQJWKHQHZ
URXWHSUHVV'21(
,IWKHUHDUHVHYHUDOZD\SRLQWVRQWKHURXWH\RX
ZLOOHQWHUDPHQXLQZKLFK\RXFDQQDPHWKH

*360(185287(6
URXWHDQGFKRRVHZKHWKHU\RXZDQWWRVDYHRU
GLVFDUGLW
$VDGHIDXOWVHWWLQJWKHURXWHQDPHZLOOFRQVLVW
RIWKHILUVWDQGODVWZD\SRLQWRQWKHURXWH
6HOHFW 1DPH DQG SUHVV &+$1*(LI\RX
ZLVKWRHGLWWKHQDPH
8VH &/($5WRGHOHWHFKDUDFWHUVDQG
DOSKDQXPHULFNH\VWRHQWHUQHZRQHV
<RXDUHDVNHGLI\RXZDQWWRVDYHWKHURXWH
0DNHDVHOHFWLRQE\SUHVVLQJ12RU2.
6(77,1*'(67,1$7,21
<RXFDQVHWDURXWHWREHXVHGDVGHVWLQDWLRQ%HQH
IRQ(6&ZLOOWKHQJLYH\RXGLUHFWLRQVWRQDYLJDWH
WKHURXWHIURPSRLQWWRSRLQW
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW6HWDVGHVWLQDWLRQDQGSUHVV2.
<RXZLOOHQWHUDPHQXZKHUH\RXFDQFKRRVH
WKHVWDUWLQJSRLQWDQGWUDYHOOLQJGLUHFWLRQ\RX
ZLVKWRXVHZKHQQDYLJDWLQJ
&KDQJLQJVWDUWLQJSRLQW
6HOHFW6WDUWLQJSRLQWDQGSUHVV&+$1*(
6HOHFWDZD\SRLQWDQGSUHVV2.
&KDQJLQJWUDYHOOLQJGLUHFWLRQ
6HOHFW 7UDYHOOLQJ GLUHFWLRQDQGSUHVV
&+$1*(
7UDYHOOLQJGLUHFWLRQFDQEHFKRVHQIURP
WZR RSWLRQV ZKHUH WKH GLUHFWLRQ LV
LPSOLHG E\ WKH ILUVW DQG ODVW SRLQW RQ D
URXWH0DNHDFKRLFHDQGSUHVV2.
:KHQ\RXDUHILQLVKHGSUHVV'21(
9,(:,1*7+(0$3
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW6KRZRQPDSDQGSUHVV6(/(&7
<RXZLOOVHHDPDSZLWKWKHILUVWZD\SRLQWRI
WKHVHOHFWHGURXWHVKRZQLQWKHPLGGOH
8VHQWRPRYHEHWZHHQWKHZD\SRLQWV
8VHDQGbWR]RRPLQDQGRXW
8VHDQG
WRVFUROOWKHPDS

*360(185287(6
:$<32,17/,67
9,(:,1*$1'(',7,1*
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW/LVWZD\SRLQWVDQGSUHVV6(/(&7
<RXFDQQRZYLHZDOLVWRIURXWHZD\SRLQWVDQG
DGG DQG UHPRYH ZD\SRLQWV IURP LW 7KLV VXE
PHQX IXQFWLRQV DV WKH &UHDWLQJDQHZURXWH
IHDWXUHGHVFULEHGDERYH
6(1',1*$5287(
<RXFDQVHQGDURXWHZLWKDOOLWVZD\SRLQWVWRDQ
RWKHU%HQHIRQ(6&SKRQH
6HOHFWDURXWHIURPWKHOLVWDQGSUHVV6(
/(&7
8VHQWRVHOHFW6HQGURXWHDQGSUHVV6(/(&7
.H\LQUHFHLYHUVSKRQHQXPEHUXVLQJQXPHU
LFNH\VDQG&/($5RUVHOHFWDQXPEHUIURP
WKHSKRQHERRN
5HFDOO D SKRQH QXPEHU IURP WKH SKRQH
ERRNDVIROORZV
&OHDUDQ\QXPEHUVE\SUHVVLQJ&/($5IRU
DIHZVHFRQGV7KHQSUHVV6($5&+
,IGHVLUHGNH\LQWKHLQLWLDOVRIWKHQDPH
3UHVV5($'
6FUROOWKURXJKWKHSKRQHERRNZLWKQXQWLO
WKHFRUUHFWQXPEHULVVHOHFWHG3UHVV2.
3UHVV6(1'
3OHDVHQRWHWKDWURXWHLVVHQWLQRQHRUPRUHVKRUW
PHVVDJHVVRWKHSULFHRIDUHJXODUVKRUWPHVVDJH
ZLOOEHFKDUJHGIURP\RXIRUHDFKPHVVDJH\RX
VHQG <RX FDQ FDQFHO WKH VHQGLQJ ZKHQHYHU \RX
ZDQWE\SUHVVLQJ&$1&(/
0($685,1*/(1*7+
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW0HDVXUHOHQJWKDQGSUHVV6(/(&7<RX
ZLOOVHHWKHURXWHOHQJWK
3UHVV48,7ZKHQGRQH

*360(18)5,(1'),1'
5(1$0,1*
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW5HQDPHDQGSUHVV6(/(&7<RXZLOO
HQWHUDPHQXLQZKLFK\RXFDQUHQDPHWKH
URXWH
8VH&/($5WRGHOHWHFKDUDFWHUVDQGDOSKD
QXPHULFNH\VWRNH\LQQHZRQHV3UHVV2.
ZKHQGRQH
'83/,&$7,1*
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW'XSOLFDWHDQGSUHVV2.
7KHVHOHFWHGURXWHLVGXSOLFDWHGDQGZLOOEH
QDPHGDIWHUWKHRULJLQDOURXWHZLWKDUXQQLQJ
QXPEHULQFOXGHG
'(/(7,1*
6HOHFWDURXWHIURPWKHOLVW3UHVV6(/(&7
6HOHFW'HOHWHDQGSUHVV2.
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.DJDLQ
RUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ12
)5,(1'),1'
7KH)ULHQG)LQGIHDWXUHVDUHGHVLJQHGWRWDNHDG
YDQWDJH RI WKH XQLTXH FRPELQDWLRQ RI *36 DQG
*60 HTXLSPHQW RI %HQHIRQ (VF %DVHG RQ SRVL
WLRQLQIRUPDWLRQDQGWKHVKRUWPHVVDJHVHUYLFH
606WKH\PDNHIXQFWLRQVVXFKDVDFFXUDWHORFDW
LQJRUWUDFNLQJDIULHQGSRVVLEOH
7KHEDVLFSULQFLSOHRIWKH)ULHQG)LQGIXQFWLRQVLV
VWRULQJ WKH SRVLWLRQV RI RWKHU %HQHIRQ (6&
SKRQHVLQD%HQHIRQ(VFDORQJZLWKRWKHULQIRU
PDWLRQVXFKDVWKHLUVSHHGDQGGLUHFWLRQRIPRYH
PHQW 7KLV LQIRUPDWLRQ FDQ ODWHU EH XSGDWHG E\
SRVLWLRQXSGDWHV
3RVLWLRQXSGDWHV
$SKRQHFDQXSGDWHLWVSRVLWLRQLQIRUPDWLRQLQDQ
RWKHU SKRQH E\ VHQGLQJ D SRVLWLRQ XSGDWH 6XFK
XSGDWHVFDQEHVHQWZKHQHYHUGHVLUHGEXWDSKRQH
FDQDOVRDVNIRUDQXSGDWHE\VHQGLQJDUHTXHVW
7UDFNLQJ
6HQGLQJUHSHDWHGSRVLWLRQXSGDWHVLVFDOOHGWUDFN
LQJLQZKLFKFDVHWKHXSGDWHVDUHNQRZQDVWUDFN
LQJXSGDWHV$SKRQHFDQVWDUWVHQGLQJWUDFNLQJ

*360(18)5,(1'),1'
XSGDWHVZKHQHYHUGHVLUHGEXWWUDFNLQJFDQDOVREH
UHTXHVWHGE\DQRWKHUSKRQH
7KHIROORZLQJUHVWULFWLRQVDSSO\WRVHQGLQJDQGUH
FHLYLQJWUDFNLQJXSGDWHV
<RX FDQ VHQG WUDFNLQJ XSGDWHV WR RQH SKRQH
QXPEHU DW D WLPH 7R VWDUW VHQGLQJ WUDFNLQJ WR
DQRWKHUSKRQH \RXQHHG WR FDQFHOWKH RULJLQDO
WUDFNLQJ
<RXFDQUHFHLYHWUDFNLQJIURPDQ\QXPEHURI
SKRQHV
7KHSRVLWLRQLQIRUPDWLRQIURPSRVLWLRQDQGWUDFN
LQJXSGDWHVLVVWRUHGDVDIULHQGSRLQWZKLFKFDQ
EHYLHZHGRQDPDSXVHGDVDGHVWLQDWLRQRUVDYHG
DVDUHJXODUZD\SRLQW
1RQHRIWKH)ULHQG)LQGIHDWXUHVDOORZ\RXUSRVL
WLRQWREHUHYHDOHGWRDQ\RQHHOVHZLWKRXW\RXU
VSHFLILFFRQVHQW
$VWKH)ULHQG)LQGIHDWXUHVDUHEDVHGRQVKRUWPHV
VDJHVWKHSULFHRIDUHJXODUVKRUWPHVVDJHZLOOEH
FKDUJHG IURP \RX IRU HDFK )ULHQG )LQG PHVVDJH
\RXVHQGZKHWKHULWEHDQXSGDWHRUDUHTXHVW
)ULHQGOLVW
7KH)ULHQG)LQGPHQXLWHPLQ*36PHQXKDVVRPH
DGGLWLRQDOLQIRUPDWLRQDIWHULW>))@LVWKHQXPEHU
RIDOOIULHQGSRLQWVVWRUHGLQWKHPHPRU\
3UHVV6(/(&7WRRSHQWKH)ULHQG)LQGPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
7KH)ULHQG)LQGPHQXVKRZV\RXDOOWKHIULHQG
SRLQWV
7RGHOHWHDOOIULHQGSRLQWVDWRQFHVHOHFW'HOHWHDOO
DQGSUHVV2.&RQILUPWKHGHOHWLRQE\SUHVVLQJ
2.DJDLQRUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ
12
3OHDVHQRWHWKDWPDQ\)ULHQG)LQGIXQFWLRQVFDQ
DOVREHXVHGE\SRLQWLQJDWDIULHQGSRLQWRQWKH
0DSQDYLJDWRUSDJH
)RUIXUWKHULQIRUPDWLRQSOHDVHVHH%ULHIRYHUYLHZ
RIQDYLJDWRUXVH0DS3RLQWLQJPRGH

*360(18)5,(1'),1'
75$&.,1*,1)2
,I\RXDUHEHLQJWUDFNHGE\DQRWKHUSKRQH\RXFDQ
ILQGRXWLQIRUPDWLRQDERXWWKLVDVIROORZV
6HOHFW7UDFNLQJLQIRE\SUHVVLQJ6(/(&7
<RXZLOOVHHWKHSKRQHQXPEHU\RXDUHVHQGLQJ
WUDFNLQJXSGDWHVWRRUWKHQDPHLILWLVDYDLO
DEOHLQ WKH3KRQH ERRN <RX ZLOODOVR VHH WKH
QXPEHURIWUDFNLQJXSGDWHV\RXKDYHVHQW,I
\RX DUH QRW FRQVWDQWO\ VHQGLQJ WUDFNLQJ XS
GDWHV\RXZLOOMXVWVHHWKHWH[W1RDFWLYHWUDFN
LQJ
7RVWRSVHQGLQJXSGDWHVSUHVV&$1&(/
&5($7,1*$1(:)5,(1'32,17
(DFKSKRQHWRZKLFK\RXZDQWWRVHQGXSGDWHVRU
UHTXHVWV LV DVVXPHG WR EH VSHFLILHG DV D IULHQG
SRLQW
7RFUHDWHDQHZIULHQGSRLQWFKRRVH1HZE\
SUHVVLQJ6(/(&7
,IWKHUHLVQRIUHHPHPRU\IRUIULHQGSRLQWVOHIW
WKHWH[W1RIUHHPHPRU\ZLOOEHVKRZQ,QWKLV
FDVH\RXFDQQRWVWRUHDQ\QHZIULHQGSRLQWV
XQOHVV\RXILUVWGHOHWHVRPHROGRQHV
,IWKHUHLVHQRXJKPHPRU\\RXZLOOEHDVNHG
IRUWKHSKRQHQXPEHURIWKHIULHQG.H\LWLQ
DQGSUHVV2.<RXFDQDOVRUHFDOODQXPEHU
IURPWKH3KRQHERRNE\SUHVVLQJ6($5&+
5HFDOOLQJ D SKRQH QXPEHU IURP WKH
SKRQHERRNLVGRQHDVIROORZV
,IGHVLUHGNH\LQWKHLQLWLDOVRIWKHQDPH
3UHVV5($',I\RXGRQRWSURYLGHDQ\
LQLWLDOV\RXZLOOVWDUWVHDUFKLQJDWWKHWRS
RIWKHSKRQHERRNOLVW
6FUROO WKURXJK WKH SKRQH ERRN ZLWK Q
XQWLOWKHFRUUHFWQXPEHULVVHOHFWHG
3UHVV2.
+DYLQJSUHVVHG2.\RXZLOOEHUHWXUQHGWR
WKH)ULHQG)LQGPHQXZKHUH\RXZLOOVHHWKH
QHZIULHQGSRLQW
7KHSRVLWLRQRIDQHZIULHQGSRLQWZLOOLQLWLDOO\EH
XQNQRZQVR\RXPD\ZDQWWRVHQGDSRVLWLRQUH
TXHVWWRLW
$QHZIULHQGSRLQWLVDOVRDOZD\VXQDXWKRUL]HG
ZKLFKPHDQVWKDW\RXZLOOXQGHUQRFLUFXPVWDQFHV
UHVSRQG WR DQ\ UHTXHVWV VHQW E\ LW DXWRPDWLFDOO\
)RUIXUWKHULQIRUPDWLRQSOHDVHVHH$XWKRUL]LQJEH
ORZ

*360(18)5,(1'),1'
3OHDVHQRWHWKDWDQHZXQDXWKRUL]HGIULHQGSRLQW
LVDOVRDXWRPDWLFDOO\FUHDWHGZKHQHYHU\RXUHFHLYH
DUHTXHVWRUDQXSGDWHIURPDSKRQHQXPEHUWKDW
KDVQRWSUHYLRXVO\EHHQVSHFLILHGDVDIULHQGSRLQW
6(77,1*'(67,1$7,21
<RXFDQVHWDQ\IULHQGSRLQWWREHXVHGDVGHVWLQD
WLRQ%HQHIRQ(6&ZLOOWKHQJLYH\RXGLUHFWLRQVWR
QDYLJDWHWRWKDWSRLQW
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6HWDVGHVWLQDWLRQDQGSUHVV2.
,IWKHSRVLWLRQRIWKHIULHQGSRLQWLVXQNQRZQ
LH QR XSGDWHV KDYH EHHQ UHFHLYHG IURP LW
\HWWKH WH[W3RVLWLRQXQNQRZQZLOOEHVKRZQ
DQGGHVWLQDWLRQZLOOQRWEHFKDQJHG
3OHDVHQRWHWKDWDIULHQGSRLQW·VSRVLWLRQPD\
FKDQJHZKLOH\RXDUHXVLQJLWDVGHVWLQDWLRQ,QWKLV
FDVHQDYLJDWLQJZLOOEHDXWRPDWLFDOO\FRQWLQXHGWR
ZDUGVWKHQHZXSGDWHGSRVLWLRQ
6(77,1*326,7,21
<RXFDQWULFNWKHSKRQHLQWREHOLHYLQJWKDWWKHVH
OHFWHGIULHQGSRLQWLV\RXUFXUUHQWSRVLWLRQ7KLVLV
XVHIXOHJZKHQ\RXZDQWWRXVHWKHPDSZKLOH
FRQVHUYLQJWKHEDWWHU\E\QRWKDYLQJWKH*36RQRU
ZKHQ\RXZDQWWRVSHHGXSWKHLQLWLDOSRVLWLRQFDO
FXODWLRQVRIWKH*36
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6HWDVSRVLWLRQDQGSUHVV2.
7KLVRSWLRQLVRQO\DYDLODEOHZKHQWKH*36PRGXOH
LVQRWDFWLYHRUKDVQRYDOLGSRVLWLRQ
$87+25,=,1*
:KHQ\RXUHFHLYHDUHTXHVWIURPDQRWKHUSKRQH
DVNLQJ WKDW \RX VHQG D SRVLWLRQ XSGDWH RU VWDUW
VHQGLQJWUDFNLQJXSGDWHV\RXZLOOXVXDOO\EHDVNHG
IRUDFRQILUPDWLRQ
6RPHWLPHVKRZHYHU\RXPD\ZDQWWRPDNHD
IULHQGSRLQWDXWKRUL]HGVRWKDWDOOUHTXHVWVIURP
WKDWIULHQG·VSKRQH QXPEHUZLOOEH DXWRPDWLFDOO\
UHVSRQGHG
7RDXWKRUL]HDIULHQGGRDVIROORZV
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW$XWKRUL]HDQGSUHVV&+$1*(

*360(18)5,(1'),1'
7RXQDXWKRUL]H DIULHQG DJDLQVHOHFW 8QDXWKRUL]H
DQGSUHVV&+$1*(
$XWKRUL]HGIULHQGVDUHVKRZQLQWKH)ULHQG )LQG
PHQXZLWKWKHPV\PEROEHVLGHWKHPZKLOHXQDX
WKRUL]HGRQHVKDYHWKHXV\PERO
6(1',1*$326,7,2183'$7(
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6HQGXSGDWHDQGSUHVV2.
7KHWH[W6HQGLQJZLOOEHVKRZQIROORZHGE\
WKHWH[W3RVLWLRQXSGDWHVHQW
<RXUSRVLWLRQZLOOEHXSGDWHGLQWKHUHFHLYLQJ
%HQHIRQ(6&SKRQH
5(48(67,1*$326,7,2183'$7(
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW5HTXHVWXSGDWHDQGSUHVV2.
6(1',1*75$&.,1*
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6HQGWUDFNLQJDQGSUHVV6(/(&7
<RXFDQRQO\VHQGWUDFNLQJWRRQHIULHQGDWD
WLPH,I\RXDUHDOUHDG\VHQGLQJWUDFNLQJWR
VRPHRWKHUSKRQHWKHWH[W7UDFNLQJLVDOUHDG\
DFWLYHLVVKRZQ,QWKLVFDVH\RXZLOOKDYHWR
FDQFHOWKHFXUUHQWO\DFWLYHVHQGLQJEHIRUH\RX
FDQVWDUWWRVHQGWUDFNLQJWRDQRWKHUSKRQH
<RXZLOOEHDVNHGWRVSHFLI\DQLQWHUYDOIRU
VHQGLQJSRVLWLRQXSGDWHV.H\LWLQZLWKWKHQX
PHULFNH\VDQGSUHVV1(;7
<RXZLOOEHDVNHGWRVSHFLI\WKHQXPEHURIXS
GDWHVWKDWZLOOEHVHQW.H\LWLQZLWKWKHQXPHU
LFNH\VDQGSUHVV2.
7UDFNLQJZLOOVWDUW<RXUSKRQHZLOODXWRPDWL
FDOO\VHQGWUDFNLQJXSGDWHVDWWKHVHWLQWHUYDO
XQWLO\RXHLWKHUFDQFHOWKHVHQGLQJRUWKHUH
FHLYHUUHTXHVWVWRVWRSLWRUWKHVHWQXPEHURI
XSGDWHVKDYHEHHQVHQW
:KHQHYHU D WUDFNLQJ XSGDWH LV VHQW WKH WH[W
6HQGLQJZLOOEHVKRZQ

*360(18)5,(1'),1'
&$1&(//,1*6(1',1*
2QFH\RXKDYHVWDUWHGVHQGLQJWUDFNLQJXSGDWHVWR
DSKRQHWKHSKRQHZLOOJRRQWUDFNLQJXQWLO\RX
VWRSLWPDQXDOO\RUWKHVHWQXPEHURIXSGDWHVKDYH
EHHQVHQW<RXPD\VWRSWKHWUDFNLQJDVIROORZV
6HOHFWWKHIULHQGSRLQWWRZKLFK\RXDUHVHQG
LQJWUDFNLQJIURPWKHOLVWDQGSUHVV6(/(&7
6HOHFW&DQFHOVHQGLQJDQGSUHVV2.
0RUHRYHUWKHUHFHLYLQJSDUW\FDQ VHQGD UHTXHVW
WKDW\RXVWRSVHQGLQJXSGDWHVZKLFKZLOODOVRHQG
WUDFNLQJDWRQFH
5(48(67,1*75$&.,1*
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW5HTXHVWWUDFNLQJDQGSUHVV6(/(&7
.H\LQWKHGHVLUHGLQWHUYDOIRUUHFHLYLQJWUDFN
LQJXSGDWHV3UHVV1(;7ZKHQ\RXDUHGRQH
6SHFLI\WKHQXPEHURIXSGDWHVWKDWZLOOEHVHQW
.H\LWLQZLWKWKHQXPHULFNH\VDQGSUHVV
2.
&$1&(//,1*$75$&.,1*5(48(67
<RX PD\ UHTXHVW D SKRQH WR VWRS VHQGLQJ \RX
WUDFNLQJXSGDWHVDWDQ\WLPH
6HOHFWIULHQGSRLQWIURPZKLFK\RXDUHUHFHLY
LQJWUDFNLQJ3UHVV6(/(&7
6HOHFW&DQFHOUHTXHVWDQGSUHVV2.
0RUHRYHU WKH UHFHLYLQJ SDUW\ FDQ VHQG \RX D UH
TXHVWWRVWRSVHQGLQJXSGDWHV,QWKLVFDVHWUDFN
LQJZLOOHQGDWRQFH
6(1',1*606:,7+&225',1$7(6
<RXFDQVHQGWKHFRRUGLQDWHVRIDIULHQGSRLQWDVD
SDUWRIDVKRUWPHVVDJH
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW606ZLWKFRRUGVDQGSUHVV6(/(&7
<RXFDQQRZHQWHUDVKRUWPHVVDJHWRDFFRP
SDQ\WKHFRRUGLQDWHV7KLVFDQEHGRQHWKH
VDPHZD\DVZULWLQJDQ\VKRUWPHVVDJH)RUIXU
WKHULQIRUPDWLRQSOHDVHVHHWKHFKDSWHU*60
PHQX0HVVDJHV:ULWHPHVVDJH

*360(18)5,(1'),1'
5(48(67,1*$5287(
<RXFDQUHTXHVWDVHUYLFHSURYLGHUWRVHQG\RXD
URXWHWRWKHVHOHFWHGSRLQW7KLVLVGRQHDVIROORZV
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
8VHQWRVHOHFW5HTXHVWURXWHDQGSUHVV6(
/(&7
<RXZLOOEHUHTXHVWHGWRVHOHFWDUHFHLYHUIRU
WKHUHTXHVW(LWKHUNH\LQDSKRQHQXPEHUXV
LQJ QXPHULF NH\V DQG &/($5
RU VHOHFW D
QXPEHUIURPWKHSKRQHERRNSKRQHERRN
3UHVV2.
3OHDVHQRWHWKDWUHTXHVWLVVHQWDVDVKRUWPHVVDJH
VRWKHSULFHRIDUHJXODUVKRUWPHVVDJHZLOOEH
FKDUJHGIURP\RXIRUHDFKUHTXHVW\RXVHQG0RUH
RYHUWKHVHUYLFHSURYLGHUPD\FKDUJH\RXIRUVHQG
LQJWKHURXWH
7KLVVHUYLFHLVRQO\DYDLODEOHIURPFHUWDLQVHUYLFH
SURYLGHUV
6+2:,1*210$3
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6KRZRQPDSDQGSUHVV6(/(&7
<RX ZLOO VHH D PDS ZLWK WKH VHOHFWHG IULHQG
SRLQWVKRZQLQWKHPLGGOH
8VHDQGbWR]RRPLQDQGRXW
8VHDQG
WRVFUROOWKHPDS
6$9,1*$6$:$<32,17
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW6DYHDVZD\SRLQWDQGSUHVV6(/(&7
,IWKHUHLVQRIUHHPHPRU\IRUZD\SRLQWVOHIW
WKHWH[W1RIUHHPHPRU\ZLOOEHVKRZQ,QWKLV
FDVH\RXFDQQRWVWRUHDQ\QHZZD\SRLQWVXQ
OHVV\RXILUVWGHOHWHVRPHROGRQHV
<RXFDQQRZFKRRVHZKHWKHU\RXZDQWWR
FKDQJHWKHWLWOHRUV\PERORIWKHZD\SRLQW
&KRRVHWKHLWHP\RXZDQWWRHGLWE\VHOHFWLQJ
LWZLWKQ3UHVV&+$1*(
(GLWLQJZD\SRLQWWLWOH
5HPRYH FKDUDFWHUV E\ SUHVVLQJ &/($5
.H\LQDQHZWLWOHDQGSUHVV2.

*360(180$36
&KDQJLQJZD\SRLQWV\PERO
$WRWDORIILYHURZVRIZD\SRLQWV\PEROVZLWK
QLQHLFRQVRQHDFKDUHDYDLODEOHWR\RX6H
OHFWDURZZLWKQ 3UHVV WKH QXPHULF NH\
ZKLFKFRUUHVSRQGVWKHGHVLUHGV\PERO
:KHQ \RX DUH ILQLVKHG ZLWK HGLWLQJ WKH QHZ
ZD\SRLQWSUHVV'21(
<RXDUHDVNHGLI\RXZDQWWRVDYHWKHQHZZD\
SRLQWRUGLVFDUGLW8VHQWRPDNHWKHVHOHFWLRQ
DQGSUHVV2.
'(/(7,1*
6HOHFWDIULHQGSRLQWIURPWKHOLVWDQGSUHVV
6(/(&7
6HOHFW'HOHWHDQGSUHVV2.
&RQILUPWKHGHOHWLRQE\SUHVVLQJ2.DJDLQ
RUFDQFHOWKHRSHUDWLRQE\SUHVVLQJ12
0$36
<RX FDQ YLHZ DQG PDQLSXODWH WKH PDSV LQ WKH
SKRQH·VPHPRU\E\DFFHVVLQJWKHPYLDWKLVPHQX
7KH0DSVPHQXLWHPLQ*36PHQXKDVVRPHDGGL
WLRQDOLQIRUPDWLRQDIWHULW>00@LVWKHQXPEHURI
DOOPDSVVWRUHGLQWKHPHPRU\
3UHVV6(/(&7WRRSHQWKH0DSVPHQX
3UHVV48,7WRFDQFHOWKHRSHUDWLRQDQGUHWXUQ
WRSUHYLRXVPHQXOHYHO
9LHZLQJDQGSURFHVVLQJPDSV
8VHQWRVHOHFWWKHZRUOGPDSRURQHRIWKHDG
GLWLRQDOPDSVIURPWKHOLVWDQGSUHVV6(
/(&7
7KHVHOHFWHGPDSZLOOEHVKRZQLQDPRGHVLP
LODU WR 3RLQWLQJ PRGH ,Q LW \RX FDQ PRYH D
SRLQWHUWRVFUROOWKHPDSRUXVHLWWRPDQLSX
ODWHWKHZD\SRLQWVDQGRWKHUGDWD)RUIXUWKHU
LQIRUPDWLRQSOHDVHVHHWKHFKDSWHU%ULHIRYHU
YLHZRI*36XVH0DS3RLQWLQJPRGH

*360(186(1',1*606:,7+&225',1$7(6
6(1',1*606:,7+
&225',1$7(6
<RXFDQVHQGWKHFRRUGLQDWHVRI\RXUSUHVHQWSRVL
WLRQDVDSDUWRIDVKRUWPHVVDJH
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW606ZLWKFRRUGVDQGSUHVV
6(/(&7
<RXFDQQRZHQWHUDVKRUWPHVVDJHWRDFFRP
SDQ\ WKH FRRUGLQDWHV 7KLV FDQ EH GRQH WKH
VDPHZD\DVZULWLQJDQ\VKRUWPHVVDJH)RUIXU
WKHULQIRUPDWLRQSOHDVHVHH*60PHQX0HV
VDJHV:ULWHPHVVDJH
5(48(67,1*6(59,&(
<RX FDQ UHTXHVW VHUYLFH SURYLGHU WR VHQG \RX D
ZD\SRLQWRUDURXWHWRDSRLQWGHILQHGE\VRPH
WH[WHJDVWUHHWDGGUHVV
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW5HTXHVWVHUYLFHDQGSUHVV
6(/(&7
<RXZLOOWKHQEHDEOHWRHQWHUVRPHWH[W.H\LW
LQZLWKWKHDOSKDQXPHULFNH\VDQGSUHVV6(
/(&7
<RXZLOOEHUHTXHVWHGWRFKRRVHWKHW\SHRIVHU
YLFH
7R UHTXHVW RQH RU PRUH ZD\SRLQWV HJ
SRVLWLRQVRIORFDOSL]]HULDVVHOHFW5HTXHVW
ZD\SRLQWDQGSUHVV6(/(&7
7RUHTXHVWDURXWHWRDVSHFLILFSRLQWHJ
QHDUHVWORFDOSL]]HULDVHOHFW5HTXHVWURXWH
DQGSUHVV6(/(&7
<RXZLOOEHUHTXHVWHGWRVHOHFWDUHFHLYHUIRU
WKHUHTXHVW(LWKHUNH\LQDSKRQHQXPEHUXV
LQJ QXPHULF NH\V DQG &/($5
RU VHOHFW D
QXPEHUIURPWKHSKRQHERRN
3UHVV6(1'
3OHDVHQRWHWKDWUHTXHVWLVVHQWDVDVKRUWPHVVDJH
VRWKHSULFHRIDUHJXODUVKRUWPHVVDJHZLOOEH
FKDUJHGIURP\RXIRUHDFKUHTXHVW\RXVHQG0RUH
RYHUWKHVHUYLFHSURYLGHUPD\FKDUJH\RXIRUVHQG
LQJDURXWHRUZD\SRLQWV
,QRUGHUIRUWKHVHVHUYLFHVWRZRUN\RXUSRVLWLRQ
LVVHQW WRWKH VHUYLFHSURYLGHU HDFKWLPH \RXXVH

*360(185(48(67,1*$*36
WKHVHUYLFHV 7KH VHUYLFHVDUH RQO\DYDLODEOH IURP
FHUWDLQVHUYLFHSURYLGHUV
5(48(67,1*$*36
<RXFDQUHTXHVWWKHVHUYLFHSURYLGHUWRVHQG\RX
DVVLVWHG*36LQIRUPDWLRQ%HIRUHVHQGLQJWKHUH
TXHVWPDNHVXUHWKH$*36 VHWWLQJVDUH FRUUHFWO\
GRQH)RUIXUWKHULQIRUPDWLRQSOHDVHVHHWKHFKDS
WHU0DLQPHQX6HWWLQJV*36$*36
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW5HTXHVW$*36DQGSUHVV6(
/(&7
&RQILUPWKHUHTXHVWE\SUHVVLQJ2.
83'$7,1*326,7,21
<RXFDQPDNHWKH*36UHFHLYHUWRXSGDWH\RXUSR
VLWLRQDWRQFH
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW8SGDWHSRVLWLRQDQGSUHVV
2.
6.,33,1*5287(32,17
8VH WKLV RSWLRQ LI \RXU FXUUHQW GHVWLQDWLRQ LV D
URXWHDQG\RXZDQWWRVNLSDURXWHSRLQW
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW6NLSURXWHSRLQWDQGSUHVV6(
/(&7
6HOHFW\RXUQH[WURXWHSRLQWE\VFUROOLQJWKHOLVW
DQGKLJKOLJKWLQJWKHSRLQWZLWKQ3UHVV6(
/(&7

*360(18&/($5,1*'(67,1$7,21
&/($5,1*'(67,1$7,21
:KHQ\RXQRORQJHUZDQWWRXVHDSRLQWDVGHVWLQD
WLRQGRDVIROORZV
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW&OHDUGHVWLQDWLRQ3UHVV2.
$IWHUFOHDULQJWKHGHVWLQDWLRQWKHQDYLJDWRUSDJHV
ZLOOQRORQJHUSURYLGHDQ\JXLGDQFHLQQDYLJDWLQJ
WRDGHVWLQDWLRQ
<RXGRQRWQHHGWRFOHDUWKHGHVWLQDWLRQWREHDEOH
WRVHOHFWDQHZGHVWLQDWLRQ
'HVWLQDWLRQFDQRQO\EHFOHDUHGZKHQDSRLQWLVEH
LQJXVHGDVGHVWLQDWLRQ
5(6(77,1*0(7(56
7RUHVHWWKHVSHHGDQGRGRPHWHULQIRUPDWLRQLQ
\RXUSKRQHGRDVIROORZV
3UHVV*36WRHQWHUWKH*36PHQX
8VHQWRVHOHFW5HVHWPHWHUV3UHVV6(/(&7
6HOHFWZKLFKPHWHUV\RXZDQWWRUHVHW7XUQWKH
RSWLRQVRQDQGRIIE\VHOHFWLQJWKHPZLWKQ
DQGSUHVVLQJ&+$1*(
3UHVV'21(ZKHQ\RXDUHILQLVKHG

%$77(5<),77,1*$1'5(029,1*
%$77(5<
),77,1*$1'5(029,1*
)LWWLQJ3ODFHWKHERWWRPRIWKHEDWWHU\LQWRWKH
FRUQHUVDWWKHERWWRPRIWKHSKRQH3XVKWKHEDW
WHU\WRZDUGVWKHUHDURIWKHSKRQHXQWLOLWORFNV
LQWRSODFH
5HPRYLQJ3XVKWKHUHOHDVHFDWFKGRZQZDUGVDQG
SXOOWKHEDWWHU\FDUHIXOO\DZD\RIWKHSKRQH
7<3(6$1'6,=(6
7KHUHDUHWZRNLQGVRIEDWWHULHVDYDLODEOHIRUWKLV
SKRQH
/L,RQP$K
/L,RQP$K
7(03(5$785(
%DWWHULHV IXQFWLRQ EHVW DW URRP WHPSHUDWXUH
&
$WWHPSHUDWXUHVEHORZ&XVHDEDWWHU\ZKLFKLV
IUHVKO\UHFKDUJHG
$WWHPSHUDWXUHVEHORZ&WKHEDWWHU\ZLOOQRW
VXSSO\SRZHUDQGWKHSKRQHFDQQRWEHXVHG8SRQ
ZDUPLQJ XS WKH SKRQH ZLOO IXQFWLRQ SURSHUO\
DJDLQ
8VH RI WKH SKRQH LV SUHYHQWHG DW WHPSHUDWXUHV
DERYH & WR HQVXUH HTXLSPHQW VDIHW\ $IWHU
FRROLQJRIIWKHSKRQHZLOOIXQFWLRQSURSHUO\
$W URRP WHPSHUDWXUH & WKH /L,RQ EDWWHU\
ORVHVPRUHWKDQRILWVFDSDFLW\LQDPRQWK
'XULQJWKHILUVWWZRGD\VWKHORVVRIDFDSDFLW\LV
XVXDOO\VHYHUDOSHUFHQW
+LJKHUWHPSHUDWXUHVZLOO DFFHOHUDWHWKH GLVFKDUJ
LQJSURFHVV
(037<%$77(5<
7KH EDWWHU\ V\PERO LV VKRZQ LQ WKH GLVSOD\ 7KH
OLTXLGOHYHOLQWKHV\PEROVKRZVKRZIXOOWKHEDW
WHU\LV
:KHQWKHEDWWHU\LVDOPRVWHPSW\DEHHSLVKHDUG
DQGWKHWH[W%DWWHU\ORZZLOOEHGLVSOD\HG

%$77(5<0$,16&+$5*(56
:KHQ WKH EDWWHU\ LV WRWDOO\ HPSW\ WKH SRZHU ZLOO
WXUQRII&KDUJHWKHEDWWHU\RUUHSODFHLWZLWKDUH
FKDUJHGEDWWHU\
0$,16&+$5*(56
7KHPDLQVFKDUJHUDYDLODEOHIRUWKLVSKRQHLVWKH
TXLFNFKDUJHU&0$ZLWKLWVFDEOH)0&
7KH PDLQV FKDUJHU VKRXOG RQO\ EH XVHG LQGRRUV
0DNH VXUH WKDW WKH YROWDJH LQ WKH FRXQWU\ ZKLFK
\RXDUHVWD\LQJFRUUHVSRQGVWRWKHYROWDJH9
RIWKHFKDUJHU
:KHQFKDUJLQJFRQQHFWWKHURXQGHQGRIWKHFDEOH
LQWRWKHFKDUJHUDQGORFNLWE\WXUQLQJLWKDOIDWXUQ
FORFNZLVH3OXJWKHVTXDUHHQGRIWKHFDEOHZLWK
WKHDUURZIDFLQJGRZQLQWRWKHOHIWVLGHRIWKHERW
WRPFRQQHFWRURQWKHSKRQH
3OXJWKHFKDUJHULQWRDPDLQVRXWOHW&KDUJLQJZLOO
VWDUWDXWRPDWLFDOO\
7KH PDLQV FKDUJHU LV XVXDOO\ SURYLGHG ZLWK WKH
SKRQHEXWLVDOVRDYDLODEOHIURPWKHDVVRUWPHQWRI
%HQHIRQDFFHVVRULHV
2WKHUFKDUJHUW\SHVDUHLQWURGXFHGLQWKHFKDSWHU
$FFHVVRULHV
&+$5*,1*
7KH SKRQH FRQWUROV WKH FKDUJLQJ VWDWXV EDWWHU\
WHPSHUDWXUHDQGSRZHU VXSSO\GXULQJWKH FKDUJ
LQJRSHUDWLRQ
7KHSKRQHZLOOWXUQRQZKHQWKHFKDUJHULVFRQ
QHFWHG
+RZHYHUZKHQFKDUJLQJDWRWDOO\HPSW\EDWWHU\
WKHSKRQHPLJKWQRWWXUQRQLPPHGLDWHO\
7KHSKRQHDQGWKHEDWWHU\FDQEHOHIWLQWKHFKDUJ
HUHYHQIRUVHYHUDOGD\VZLWKRXWDQ\IHDURIGDP
DJH
7KH LGHDO WHPSHUDWXUH UDQJH IRU FKDUJLQJ LV
&,IFKDUJLQJWKHEDWWHU\DERYHRUEH
ORZWKHVHWHPSHUDWXUHVWKHOLIHRIEDWWHU\PD\EH
VKRUWHQHG$OVRWKHEDWWHU\PD\QRWUHDFKIXOOFD
SDFLW\
:KHQFKDUJLQJWKHGLVSOD\ZLOOUHSHDWHGO\VKRZ
WKHOLTXLGOHYHOULVLQJIURPWRSWRERWWRP
:KHQWKHEDWWHU\LVIXOO\FKDUJHGWKHFKDUJLQJVWD
WXVZLOOUHPDLQRQWKHGLVSOD\
3OHDVHQRWHWKDWLQFDVH\RXFKDQJHWKHEDWWHU\WR
DQRWKHUEDWWHU\ZHFDQQRWJXDUDQWHHWKDWWKHEDW
WHU\LQGLFDWRUZLOOVKRZWKHULJKWVWDWHRIFKDUJHDX

%$77(5<&$5($1'0$,17(1$1&(
WRPDWLFDOO\ 7R UHVHW WKH EDWWHU\ LQGLFDWRU WR
FRUUHVSRQG ZLWK WKH QHZ EDWWHU\ \RX PXVW
FKDUJHWKHQHZEDWWHU\XQWLOLWLVIXOO
&KDUJLQJWLPHV
&KDUJLQJ WLPH GHSHQGV RQ ZKDW NLQG RI FKDUJHU
DQGEDWWHU\\RXKDYHLQXVH(JZKHQFKDUJLQJ
WKH/L,RQEDWWHULHVZLWKWKHTXLFNFKDUJHUDERXW
RIWKHEDWWHU\FDSDFLW\ZLOOEHFKDUJHGTXLFNO\
EXWFKDUJLQJWKHUHPDLQLQJWDNHVDUHODWLYHO\
ORQJHUWLPH
$OVRSOHDVHQRWHWKDWWKHIROORZLQJFKDUJLQJWLPHV
DUHDSSUR[LPDWHDQG PHDVXUHGDWURRPWHPSHUD
WXUH&ZLWKWKH*36WXUQHGRII
4XLFNPDLQVFKDUJHU
&0$
DERXWKRXUVZLWKDQHPSW\/L,RQEDWWHU\
VL]HP$K
DERXWKRXUVZLWKDQHPSW\/L,RQEDW
WHU\VL]HP$K
&$5($1'0$,17(1$1&(
1RWHWKDWLI\RXXVHDQROGEDWWHU\WKHFRQWLQXRXV
RSHUDWLQJWLPHLVOHVVWKDQZKHQXVLQJDQHZEDW
WHU\
7KHEDWWHU\PXVWEHFDUHGIRUDQGVWRUHGSURSHUO\
WRHQVXUHWKDWWKHEDWWHU\UHDFKHVDQGPDLQWDLQV
WKHIXOOHVWSRVVLEOHFDSDFLW\3URSHUFDUHDQGVWRU
DJHDOVRJXDUDQWHHPD[LPXPEDWWHU\OLIH
6RPHWLPHVDQHZRUDORQJVWRUHGEDWWHU\KDVD
YROWDJHVRORZWKDWWKHSKRQHZLOOQRWWXUQRQLP
PHGLDWHO\ DIWHU \RX KDYH ILWWHG WKH EDWWHU\ :DLW
DQGWKHSKRQHZLOOWXUQRQDIWHUDIHZPRPHQWV
:KHQVWRULQJEDWWHULHVIRUDORQJWLPHLWLVUHFRP
PHQGHGWKDWWKHEDWWHULHVDUHNHSWFRRODQGIXOO\
FKDUJHGLQDGU\SODFH
6DIHW\UHJXODWLRQV
DSSO\LQJWREDWWHULHVLQXVHDVZHOO
DVEDWWHULHVWDNHQRXWRIXVH
3URWHFWWKHEDWWHU\IURPKHDW+LJKWHPSHUDWXUHV
PD\GDPDJHEDWWHULHV'RQRWZDUPXSWKHEDW
WHU\RUXVHLWQHDUDILUH
'R QRW RSHQ WKH EDWWHU\ E\ \RXUVHOI RU SLHUFH
KROHVLQLW

%$77(5<',6326$/
'RQRWGURSNQRFNWZLVWRUVKDNHWKHEDWWHU\RU
RWKHUZLVHKDQGOHWKHEDWWHU\URXJKO\
'RQRWZHWWKHEDWWHU\RULPPHUVHLWLQZDWHU
&KDUJH DQG UHFKDUJH WKH EDWWHU\ RQO\ ZLWK D
FKDUJHUVSHFLILHGLQWKHPDQXDO8VHWKHEDWWHU\
RQO\IRUWKHSXUSRVHLWLVLQWHQGHGIRU
2QO\ DOORZ VHUYLFH SHUVRQQHO DXWKRULVHG E\
%HQHIRQWRVHUYLFH\RXUSKRQH
',6326$/
/L,RQEDWWHULHVGRQRWFRQWDLQKHDY\PHWDOVZKLFK
FDQGDPDJHWKHHQYLURQPHQW%DWWHULHVVKRXOGEH
GLVSRVHGRIDFFRUGLQJWRWKHFRXQWU\VSHFLILFUHJX
ODWLRQV
23(5$7,1*7,0(
7RFRQVHUYHEDWWHU\\RXPD\FRQVLGHUWKHIROORZ
LQJ
8VH/RZ SRZHU RU (FRQRP\ *36 UHFHLYHU PRGH
ZKHQ\RXGRQRWQHHGWKHEHVWSRVVLEOHDFFXUDF\
DQGUHOLDELOLW\SURYLGHGE\WKH)XOOSRZHUPRGH
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU
%ULHIRYHUYLHZRIQDYLJDWRUXVH)LUVWVWHSV7XUQ
LQJWKH*36UHFHLYHURQ
.HHS WKH *36 UHFHLYHU 2II ZKHQ \RX DUH QRW
DFWLYHO\QDYLJDWLQJ
<RX FDQ YLHZ PDSV HYHQ ZLWKRXW UXQQLQJ WKH
*36 UHFHLYHU <RX PD\ DOVR XVH WKH 6HW DV SRVL
WLRQ IHDWXUH WR VHW \RXU SRVLWLRQ PDQXDOO\ LI
GHVLUHG IRU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH
FKDSWHUV*36PHQXDQG%ULHIRYHUYLHZRIQDYLJD
WRUXVH0DS3RLQWLQJPRGH
8VH WKH 6FUHHQ VDYHU )RU IXUWKHU LQIRUPDWLRQ
SOHDVHVHHWKHFKDSWHU0DLQPHQX6HWWLQJV8VHU
LQWHUIDFH6FUHHQVDYHU
7XUQRIIWKHOLJKWVRIWKHSKRQH(VSHFLDOO\RQO\
XVHWKH 1LJKWHQYLURQPHQWZKHQ \RXVSHFLILFDOO\
QHHGWRKDYHWKHOLJKWVRQDOOWKHWLPH)RUIXU
WKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU 0DLQ
PHQX6HWWLQJV(QYLURQPHQWV
7XUQRIIWKH*60PRGXOHZKHQLQDQDUHDZLWK
QR*60QHWZRUNFRYHUDJH)RUIXUWKHULQIRUPD
WLRQSOHDVHVHHWKHFKDSWHU0DLQPHQX6HWWLQJV
*60*60PRGXOH

$&&(6625,(60$,16&+$5*(5&0$
$&&(6625,(6
7KLVLVDVKRUWLQWURGXFWLRQDERXWWKHDFFHVVRULHV
DYDLODEOH IRU WKLV SKRQH <RX PD\ DOVR FKHFN
ZZZEHQHIRQFRPIRUDFRPSOHWHOLVWRIDFFHVVR
ULHV
0$,16&+$5*(5&0$
7KHPDLQVFKDUJHUDYDLODEOHIRUWKLVSKRQHLVTXLFN
FKDUJHU&0$ZLWKLWVFDEOH)0&
7KH PDLQV FKDUJHU VKRXOG RQO\ EH XVHG LQGRRUV
0DNH VXUH WKDW WKH YROWDJH LQ WKH FRXQWU\ ZKLFK
\RXDUHVWD\LQJFRUUHVSRQGVWRWKHYROWDJH9
RIWKHFKDUJHU
&,*$5(77(/,*+7(5&+$5*(5
&&6
<RXFDQFKDUJHWKHSKRQHEDWWHU\ZLWKWKHFLJD
UHWWHOLJKWHUFKDUJHUXVLQJ\RXUYHKLFOH·VFLJDUHWWH
OLJKWHU
3OXJWKHFKDUJHULQWRWKHFLJDUHWWHOLJKWHURXWOHWLQ
WKHYHKLFOHDQGLQWRWKHVRFNHWDWWKHERWWRPRIWKH
SKRQH &KDUJLQJ ZLOO VWDUW DXWRPDWLFDOO\ 7KH
FKDUJHUWDNHVLWVSRZHUIURPWKHYHKLFOHEDWWHU\

$&&(6625,(63257$%/(+$1'6)5(((+(
3257$%/(+$1'6)5(((+(
7KHSRUWDEOHKDQGVIUHHNLWLVGHVLJQHGWRPDNHWKH
XVHRIWKHSKRQHHDVLHULQYDULRXVZRUNLQJVLWXD
WLRQV
:KHQ\RXXVHWKHHDUSLHFHDQGPLFURSKRQH\RX
FDQPDNHDQG DQVZHUSKRQHFDOOVDQG ZRUNZLWK
\RXUKDQGVDWWKHVDPHWLPH7KLVOLJKWZHLJKWDF
FHVVRU\DOVRFRPHVZLWKDQDGMXVWDEOHFORWKHVFOLS
3/8*,1+$1'6)5((*0$
:LWKWKHSOXJLQKDQGVIUHHFDUNLWXVLQJWKH
SKRQHLVHDVLHUDQGVDIHUZKLOHGULYLQJ
7KHSRUWDEOHFDUNLWQHHGVQRSHUPDQHQWLQVWDOOD
WLRQ7KLVPDNHVLWHDV\WRLQVWDOODOO\RXQHHGWR
GRLVSOXJWKHFDUNLWLQWRWKHFLJDUHWWHOLJKWHURXW
OHWLQWKHFDUDQGLQWRWKHERWWRPFRQQHFWRURIWKH
SKRQH0DNHVXUHWKHPLFURSKRQHLVSODFHGLQDQ
DXGLEOHSRVLWLRQ
9
*1'

$&&(6625,(6%(1(:,1352:,7+10($&$%/(
:LWKWKHSOXJLQKDQGVIUHHFDUNLW\RXFDQDOVR
FKDUJHWKHEDWWHU\RI\RXUSKRQHE\XVLQJ\RXUYH
KLFOH·VFLJDUHWWHOLJKWHU
%(1(:,1352:,7+10($
&$%/(
7KLVSDFNDJHLQFOXGHV%HQH:LQ3URVRIWZDUHPR
GHPGULYHUVDQG10($FDEOHZLWKGDWDDQG
10($DGDSWHUV
%HQH:LQ 3UR LV D 3&EDVHG SURJUDP WKDW DOORZV
\RXWRDFFHVVWKHPHPRU\GDWDRI\RXUSKRQH:LWK
WKHKHOSRI%HQH:LQ3UR\RXFDQDOVRFRPSRVH
\RXURZQDOHUWWRQHIRU\RXUSKRQH8VLQJWKH%H
QH:LQ3URDQGD3&\RXFDQHDVLO\HGLWUHDGDQG
VDYH WKH SKRQHERRN SKRQH VHWWLQJVVKRUW PHV
VDJHVHQYLURQPHQWVDQGFDOHQGDUGDWD
7KH %HQH:LQ 3UR DOVR LQFOXGHV VRPH DGGLWLRQDO
IXQFWLRQV VXFK DV VHWWLQJV IRU PDSV URXWHV DQG
ZD\SRLQWVDVZHOODVVHWWLQJVIRUWHOHPDWLFV,WGH
SHQGVRQ\RXUSKRQHPRGHOZKHWKHU\RXFDQXVH
WKHVHIXQFWLRQVRUQRW
:LWKWKHGDWDDGDSWHU\RXFDQFRQQHFWWKHSKRQH
WRDFRPSXWHUDQGWUDQVIHU%HQH:LQEDVHGGDWDEH
WZHHQD3&DQG\RXUSKRQH
<RXGRQRWQHHGDVHSDUDWHPRGHPIRUXVLQJWKLV
HTXLSPHQW7KHPRGHPGULYHUVLQFOXGHGLQWKH
SDFNDJHRIIHU\RXDFFHVVWR\RXUHPDLOID[DQG,Q
WHUQHW%\XVLQJWKHPRGHPGULYHUVZLWKWKHGDWD
DGDSWHU\RXFDQHJFKHFN\RXU HPDLORUVXUILQ
WKH ,QWHUQHW DVVXPLQJ DQ ,QWHUQHW EURZVHU KDV
EHHQLQVWDOOHGLQ\RXUFRPSXWHUDEURZVHULVQRW
LQFOXGHGLQWKHSDFNDJH
7KH10($DGDSWHULVXVHGIRUWUDQVIHUULQJ
SRVLWLRQGDWDEHWZHHQWKHSKRQHDQGVRPHQDYLJD
WLRQV\VWHPVHJDPDSVRIWZDUH$PDSVRIWZDUH
LVVROGVHSDUDWHO\LWLVQRWLQFOXGHGLQWKLVSDFNDJH

$&&(6625,(6/,*+7+2/'(5.*&
/,*+7+2/'(5.*&
7KHOLJKWKROGHUKROGV\RXUSKRQHVWHDGLO\LQSODFH
ZKHQ\RXDUHGULYLQJ7KHKROGHULVDOVRYHU\XVH
IXOZKHQIRUH[DPSOH\RXDUHFKDUJLQJWKHEDWWHU\
ZLWKWKHFLJDUHWWHOLJKWHUFKDUJHU
%,&<&/(+2/'(5
7KH ELF\FOH KROGHU KROGV \RXU SKRQH VWHDGLO\ LQ
SODFHRQ\RXUELNH·VKDQGOHEDUVRLWFDQEHHDVLO\
YLHZHGZKLOHULGLQJ
&$55<,1*&$6(
$FDUU\LQJFDVHFDQEHXVHGIRUFDUU\LQJWKHSKRQH
,WDOVRSURWHFWVWKHSKRQHIURPLPSDFWV
$FDUU\LQJFDVHFDQEHIDVWHQHGWRHJDEHOWRUD
EDFNEDJIRUHDV\FDUU\LQJ
7KHUHDUHWZRGLIIHUHQWFDUU\LQJFDVHPRGHOVDYDLO
DEOHWUHQGOLQHDQGRXWGRRU

$&&(6625,(6(;7(51$/*36$17(11$
(;7(51$/*36$17(11$
7KH H[WHUQDO DFWLYH *36 DQWHQQD FDQ EH XVHG
ZKHQUHOLDEOHVDWHOOLWHVLJQDOVIRUQDYLJDWLRQDUH
QHHGHG,QDGGLWLRQIRUEHLQJPRUHSRZHUIXOWKDQ
WKHUHJXODU*36DQWHQQDLWFDQDOVREHSODFHGDV
IDUDVILYHPHWHUVDZD\IURPWKHSKRQH7KLVZD\
LWFDQEHSODFHGIRUH[DPSOHRQWKHURRIRIDFDURU
DERDW7KHDQWHQQDFDQEHDWWDFKHGWRDEDFNEDJ
VWUDSDVZHOO
&5266&28175<$17(11$
7KHFURVVFRXQWU\SRZHUDQWHQQDFDQEHXVHGWR
UHSODFHWKHUHJXODU*60DQWHQQD,WLVXVHIXOLQDU
HDV ZKHUH WKH *60 QHWZRUN VLJQDO VWUHQJWK LV
ZHDN

$33(1',;(6&$5($1'0$,17(1$1&(
$33(1',;(6
&$5($1'0$,17(1$1&(
'XVW DQG GLUW PD\ GDPDJH WKH PRYLQJ SDUWV RI
\RXUSKRQH'RQRWXVHRUNHHSWKHSKRQHLQ
GXVW\RUGLUW\VXUURXQGLQJV
3URWHFWWKHSKRQHIURPKHDW+LJKWHPSHUDWXUHV
PD\VKRUWHQWKHOLIHRIWKHHOHFWURQLFDO GHYLFHV
PHOWRUZDUSSODVWLFVDQGGDPDJHEDWWHULHV'R
QRWXVHWKHEDWWHU\QHDUILUH
2QO\ DOORZ VHUYLFH SHUVRQQHO DXWKRULVHG E\ WKH
GHDOHUWRVHUYLFH\RXUSKRQH'RQRWRSHQWKH
SKRQHRUEDWWHU\E\\RXUVHOI
&KDUJHDQGUHFKDUJHWKHEDWWHU\RQO\ZLWKWKH
FKDUJHUVSHFLILHGLQWKHPDQXDO8VHWKHEDWWHU\
RQO\IRUWKHSXUSRVHLWLVLQWHQGHG
5RXJK KDQGOLQJ PD\ EUHDN WKH FLUFXLWU\ LQVLGH
WKH SKRQH 'R QRW GURS NQRFN RU VKDNH WKH
SKRQHRULWVEDWWHU\
.HHS WKH SKRQH GU\ $OWKRXJK WKH SKRQH LV
VSODVKZDWHUSURRI\RXVKRXOGQRWOHWLWJHWFRP
SOHWHO\ VRDNHG /LTXLGV FRQWDLQ PLQHUDOV ZKLFK
FRXOG FRUURGH HOHFWURQLF FLUFXLWV ,I WKH SKRQH
JHWVZHW WXUQ LWRII DQG GU\WKH SKRQH DQGWKH
EDWWHU\LPPHGLDWHO\3XWWKHSKRQHLQWRDQ
XSULJKWSRVLWLRQDQGOHWLWGU\,WLVUHFRP
PHQGHGWKDWDGHDOHURUVHUYLFHSHUVRQQHOFKHFN
WKDWWKHSKRQHIXQFWLRQVSURSHUO\
&OHDQWKHSKRQHZLWKDVRIWFORWKGDPSHQHG
VOLJKWO\ZLWKPLOGVRDS\ZDWHU'RQRWFOHDQWKH
SKRQHZLWKKDUVKFKHPLFDOVVROYHQWVRURWKHU
FRUURVLYHVXEVWDQFHV
352%/(06<28&$162/9(
,IWKHSKRQHZLOOQRWWXUQRQ
0DNHVXUHWKDW
WKHEDWWHU\LVFRUUHFWO\LQSODFH
WKHEDWWHU\LVQRWWRWDOO\HPSW\
WKHEDWWHU\FRQWDFWVDUHFOHDQ
,IWKH6,0FDUGKDVEHHQEORFNHG
,IWKH3,1FRGHKDVEHHQHQWHUHGLQFRUUHFWO\WKUHH
WLPHVLQDURZWKH3,1FRGHZLOOEHORFNHG7RXQ
ORFNWKHFRGH\RXPXVWHQWHUWKH38.FRGH
,I\RXIDLOWRHQWHUWKHFRUUHFW38.FRGHZLWKLQWHQ
DWWHPSWV \RXU 6,0 FDUG ZLOO EH SHUPDQHQWO\

$33(1',;(6352%/(06<28&$162/9(
EORFNHG,QWKDWFDVHWKHWH[W&DUGEORFNHGZLOOEH
GLVSOD\HG&RQWDFW\RXUQHWZRUNRSHUDWRUWRJHWD
QHZ6,0FDUG
,I\RXORVH\RXU6,0FDUG
&RQWDFW \RXU QHWZRUN RSHUDWRU WR LQYDOLGDWH WKH
FDUGDQGJHWDQHZRQH$ORVWFDUGFDQEHPLVXVHG
LI\RXKDYHGLVDEOHGWKH$VN3,1FRGHRSWLRQ
(YHQWKRXJK\RXILQGWKHORVWFDUGODWHULWFDQQRW
EHXVHGLILWKDVRQFHEHHQLQYDOLGDWHG
,I\RXUSKRQHJHWVORVW
&RQWDFW \RXU QHWZRUN RSHUDWRU LPPHGLDWHO\ DQG
OHWWKHPNQRZWKH,0(,FRGHWRSUHYHQWWKHXQDX
WKRUL]HGXVHRIWKHSKRQH
<RXILQGWKHGLJLW,0(,FRGHHDVLO\IURPWKH
W\SHODEHORIWKHSKRQH,WLVUHFRPPHQGHGWR
ZULWHGRZQWKH,0(,FRGHDQGVWRUHLWLQDVDIH
SODFHULJKWDIWHU\RXKDYHERXJKWWKHSKRQH
/HWWKHQHWZRUNRSHUDWRUNQRZLIWKH6,0FDUGZDV
LQWKHSKRQH,IWKHSKRQHKDVEHHQVWROHQQRWLI\
WKHSROLFH
,I\RXUSKRQHGRHVQRWIXQFWLRQ
0DNHVXUHWKDW
\RXUSKRQHLVWXUQHGRQ
\RXDUHLQWKHQHWZRUNRSHUDWRUVFRYHUDJHDUHD
WKHPDOIXQFWLRQLVQRWFDXVHGE\WKH&DOOEDUULQJ
RU&DOOGLYHUWRSWLRQV
WKH6,0FDUGLVFRUUHFWO\LQVHUWHGDQGLWLVQRW
GDPDJHGRULQYDOLGDWHG
,I\RXFDQQRWUHDGVWRUHRUPRGLI\
LQIRUPDWLRQLQSKRQHERRN
7KH)'1SKRQHERRNPD\EHLQXVH<RXQHHGWKH
3,1FRGHIRUWXUQLQJLWRII)RUIXUWKHULQIRUPD
WLRQDERXWWKH)'1SKRQHERRNSOHDVHVHHWKH
FKDSWHUV0DLQPHQX6HWWLQJV6HFXULW\)L[HG'LDO
OLQJDQG*60PHQX3KRQHERRN
:URQJODQJXDJH
,IWKHODQJXDJHRIWKHSKRQHKDVFKDQJHGIRUVRPH
UHDVRQ SUHVVLQJ IRUILYHVHFRQGVZLOOFKDQJH
WKHODQJXDJHWR(QJOLVK

$33(1',;(692&$%8/$5<2)*607(506
$WWKHVDPHWLPHWKHVHWWLQJVZLOOEHUHVHWWRWKH
IDFWRU\ RQHV 8VH RI WKLV NH\ GRHV QRW DIIHFW WKH
FRQWHQWVRIWKHSKRQHERRNHQWULHV
6HDUFKLQJIRUQHWZRUN
7KH PHVVDJH 6HDUFKLQJ IRU QHWZRUN LV GLVSOD\HG
ZKHQ\RXDUHRXWVLGHWKHQHWZRUNRSHUDWRU·VFRY
HUDJHDUHD<RXDUHLQDVKDGRZDUHDZKHUHVLJ
QDOVWUHQJWKLVWRRZHDNIRUUDGLRFRPPXQLFDWLRQ
,QDQ\XQFOHDUVLWXDWLRQ\RXDUHDOZD\VZHOFRPH
WRFRQWDFW\RXUGHDOHUDQDXWKRUL]HG%HQHIRQVHU
YLFHFHQWUHRUWKHQHWZRUNRSHUDWRU
3RRU*36FRYHUDJH
7KHWH[W3RRU*36FRYHUDJHLVGLVSOD\HGZKHQWKH
*36 UHFHLYHU LV DFWLYH DQG XQDEOH WR GHWHUPLQH
\RXU FXUUHQW SRVLWLRQ ZLWKLQ D IHZ PLQXWHV 7KLV
KDSSHQVZKHQQRWHQRXJKVDWHOOLWHVDUHYLVLEOH
0DNHVXUHWKDWWKH*36DQWHQQDLVSRLQWLQJXSDQG
WKDW LW KDV DQ XQREVWUXFWHG YLHZ RI WKH VN\ 7KH
*36UHFHLYHUGRHVQRWZRUNLQGRRUV
92&$%8/$5<2)*607(506
6,0FDUG
7KH6,0FDUGVXSSOLHGE\\RXUQHWZRUNRSHUDWRU
FRQWDLQVDOOVXEVFULEHUUHODWHGLQIRUPDWLRQIRUH[
DPSOH\RXULQWHUQDWLRQDOPRELOHVXEVFULEHULGHQ
WLW\ ,06, QXPEHU 7KH 6,0 FDUG PHPRU\ FDQ
VWRUHSKRQHQXPEHUVDQGQDPHV
,I\RXU6,0FDUGJHWVORVWRUPLVSODFHGFRQWDFW\RXU
QHWZRUNRSHUDWRULPPHGLDWHO\
$SKRQHZLWKRXWD6,0FDUGFDQEHXVHGWRPDNH
RQO\ HPHUJHQF\ FDOOV DOWKRXJK PDQ\ RWKHU IHD
WXUHVVXFKDV*36QDYLJDWLRQZLOOZRUNQRUPDOO\
3,1FRGH
<RXU6,0FDUGLVSURWHFWHGE\D3,13HUVRQDO,GHQ
WLILFDWLRQ1XPEHUFRGHRIWRGLJLWV8VLQJWKLV
FRGHSUHYHQWVXQDXWKRUL]HGXVHRI\RXUSKRQHDQG
6,0FDUG<RXU3,1FRGHLVQRUPDOO\VXSSOLHGZLWK
WKH6,0FDUG
<RXUSKRQHSURPSWV\RXWRHQWHU\RXU3,1FRGH
ZKHQ\RXWXUQRQWKHSKRQH<RXFDQGLVDEOHWKH
$VN3,1FRGHRSWLRQIURPWKHPHQXEXWLWLVUHF

$33(1',;(692&$%8/$5<2)*607(506
RPPHQGHG \RX NHHS WKH UHTXHVW RQ <RX FDQ
FKDQJHWKH3,1FRGHLQWKHPHQX
,IWKHFRUUHFW3,1FRGHLVQRWHQWHUHGDIWHUWKUHHDW
WHPSWVWKH6,0FDUGZLOOEHGLVDEOHG<RXWKHQ
PXVWXVH\RXU38.FRGHWRHQDEOHWKH3,1FRGH
DQGWKH6,0FDUG
3,1FRGH
<RXQHHGD3,1FRGHIRUVHWWLQJDQGUHVHWWLQJFHU
WDLQ6,0IXQFWLRQVHJFKDUJHFRXQWHUVDQGOLPLWV
7KH3,1FRGHWRGLJLWVLVVXSSOLHGE\\RXU
QHWZRUNRSHUDWRU
38.FRGH
7KH 38. FRGH LV XVHG WR RSHQ WKH GLVDEOHG 6,0
FDUG 7KH GLJLW 38. FRGH LV QRUPDOO\ VXSSOLHG
ZLWKWKH6,0FDUG
7KH 6,0 FDUG ZLOO EH SHUPDQHQWO\ GLVDEOHG DIWHU
HQWHULQJZURQJ38.FRGHWHQWLPHV$IWHUWKDWRQO\
HPHUJHQF\ FDOOV FDQ EH PDGH &RQWDFW \RXU QHW
ZRUNRSHUDWRUIRUDQHZ6,0FDUG
38.FRGH
7KH38.FRGHLVXVHGWRRSHQWKHGLVDEOHG3,1
FRGH7KHGLJLW38.FRGHLVVXSSOLHGZLWKWKH
3,1FRGH
,QFDVH\RXU38.FRGHJHWVORVWFRQWDFW\RXUQHW
ZRUNRSHUDWRU
3KRQHFRGH
7KHSKRQHFRGHGLJLWVLVXVHGWRSUHYHQWWKH
XQDXWKRUL]HGXVHRIWKHSKRQH:KHQWKHSKRQH
FRGH UHTXHVW LV VHW RQ LQ WKH PHQX WKH SKRQH
SURPSWV\RXWRHQWHUWKHSKRQHFRGHZKHQ\RX
WXUQWKHSKRQHRQ,I\RXZLVK\RXFDQDOVRWXUQ
WKHSKRQHFRGHUHTXHVWRIIDVZHOODVFKDQJHWKH
SKRQHFRGHLQWKHPHQX
7KHSKRQHFRGHLVDVHFXULW\FRGHZKLFKLVDVVR
FLDWHGZLWKWKHSKRQHLWVHOIQRWZLWKWKH6,0FDUG
7KHFRGHLVJLYHQE\WKHPDQXIDFWXUHUDQGSURYLG
HG LQ WKH VDOHV SDFNDJH RI WKH SKRQH .HHS WKH
FRGHLQWKHVDIHSODFHVHSDUDWHIURPWKHSKRQH

$33(1',;(692&$%8/$5<2)*367(506
1HWZRUNFRGH
<RXQHHGDQHWZRUNFRGHIRUFHUWDLQQHWZRUNVHU
YLFHVHJFDOOEDUULQJ7KHQHWZRUNFRGHGLJLWV
LVVXSSOLHGE\\RXUQHWZRUNRSHUDWRU
<RX FDQ VHW &DOO EDUULQJRSWLRQV DQG FKDQJH WKH
QHWZRUNFRGHIURPWKHPHQX
,0(,FRGH
$Q,0(,,QWHUQDWLRQDO0RELOH(TXLSPHQW,GHQWLW\
FRGHLVXVHGWRLGHQWLI\WKHPRELOHSKRQH<RXZLOO
ILQG\RXUGLJLW,0(,FRGHHDVLO\IURPWKHW\SHOD
EHORIWKHSKRQH
,WLVDOVRUHFRPPHQGHGWKDW\RXZULWHGRZQ\RXU
,0(,FRGHDQGVWRUHLWLQDVDIHSODFH7KLVZLOOKHOS
SUHYHQW XQDXWKRUL]HG XVH RI WKH SKRQH LI LW JHWV
ORVWRUVWROHQ
1HWZRUNRSHUDWRU
$QRUJDQL]DWLRQZKLFKPDLQWDLQVDPRELOHQHWZRUN
SURYLGLQJ WHOHFRPPXQLFDWLRQ FRQQHFWLRQV DQG
VHUYLFHV
6HUYLFHSURYLGHU
7KHVHUYLFHSURYLGHULVDQRUJDQL]DWLRQZKLFKSUR
YLGHVWHOHFRPPXQLFDWLRQVHUYLFHVWRWKHXVHUV7KH
VHUYLFHSURYLGHUFDQDOVREHDQHWZRUNRSHUDWRU
,QWKLVPDQXDOWKHWHUP¶QHWZRUNRSHUDWRU·LQGL
FDWHV ERWK WKH QHWZRUN RSHUDWRU DQG WKH VHUYLFH
SURYLGHU
92&$%8/$5<2)*367(506
:D\SRLQW
$ZD\SRLQWLVDORFDWLRQRUVSRWWKDWFRQVLVWVRID
ODEHODV\PEROIRUVKRZLQJLWRQWKHPDSDQGD
SDLU RI FRRUGLQDWHV HJ ODWLWXGH DQG ORQJLWXGH
:D\SRLQWVDUHXVHGIRUQDYLJDWLRQSXUSRVHVLHWR
PDUNVSRWVDQGXVHWKHPDVGHVWLQDWLRQVRUWR
FRPELQHVHYHUDOZD\SRLQWVWRDURXWH
)RU IXUWKHU LQIRUPDWLRQ DERXW ZD\SRLQWV SOHDVH
VHHWKHFKDSWHU*36PHQX:D\SRLQWV

$33(1',;(692&$%8/$5<2)*367(506
5RXWH
$URXWHLVDFRPELQDWLRQRIWZRRUPRUHZD\SRLQWV
FRPELQHGWRGHILQHDFRXUVHRIWUDYHO5RXWHVDUH
XVHGIRUQDYLJDWLRQSXUSRVHVDVGHVWLQDWLRQV
)RUIXUWKHULQIRUPDWLRQDERXWURXWHVSOHDVHVHH
WKHFKDSWHU*36PHQX5RXWHV
)ULHQG)LQG
7KH)ULHQG)LQGIHDWXUHVDUHEDVHGRQVKDULQJSR
VLWLRQLQIRUPDWLRQYLDWKHVKRUWPHVVDJHVHUYLFH
606)ULHQG)LQGPDNHVIXQFWLRQVVXFKDVDFFX
UDWHORFDWLQJRUWUDFNLQJDIULHQGSRVVLEOH
)RU IXUWKHU LQIRUPDWLRQ DERXW )ULHQG )LQG SRVL
WLRQXSGDWHVDQGWUDFNLQJSOHDVHVHHWKHFKDSWHU
*36PHQX)ULHQG)LQG
)ULHQGSRLQW
7KHSRVLWLRQLQIRUPDWLRQRIDQRWKHU%HQHIRQ(VF
XVHU,WFDQEHXVHGIRUQDYLJDWLRQDVDZD\SRLQW
EXWFDQEHXSGDWHGE\XVLQJWKH)ULHQG)LQGIHD
WXUHV
'HVWLQDWLRQ
%HQHIRQ(VFFDQJLYH\RXQDYLJDWLRQDOJXLGDQFHWR
DSRLQWRUDORQJDURXWH7KDWSRLQWRUURXWHLV
FDOOHGGHVWLQDWLRQ
7KHWHUPVQH[WGHVWLQDWLRQDQGODVWGHVWLQDWLRQ
UHIHUWRWKHQH[WZD\SRLQWDQGODVWZD\SRLQWRQD
URXWHXVHGDVGHVWLQDWLRQUHVSHFWLYHO\
7UDFN
&RPSDVVGLUHFWLRQRIPRYHPHQWLQGHJUHHV
%HDULQJ
&RPSDVVGLUHFWLRQWRGHVWLQDWLRQLQGHJUHHV
(VWLPDWHG7LPH(QURXWH(7(
$SSUR[LPDWHWLPHQHHGHGWRWUDYHOWRWKHGHVWLQD
WLRQFDOFXODWHGXVLQJDYHUDJHVSHHGDQGGLVWDQFH
WRWKHGHVWLQDWLRQ
(VWLPDWHG7LPHRI$UULYDO(7$
$SSUR[LPDWHWLPHRIDUULYDODWWKHGHVWLQDWLRQFDO
FXODWHG XVLQJ DYHUDJH VSHHG DQG GLVWDQFH WR WKH
GHVWLQDWLRQ

0(18&+$576
0(18&+$576
48,&.0(18

0(18&+$576
0$,10(18

0(18&+$576
6(77,1*6

0(18&+$576
*60

0(18&+$576
*36

0(18&+$576

&<5,//,&&+$5$&7(56(7
&<5,//,&&+$5$&7(56(7
7KLV JXLGH LQFOXGHV VRPH DGGLWLRQDO LQIRUPDWLRQ
DQG VSHFLILFDWLRQV DSSO\LQJ WR WKH %HQHIRQ (VF
SKRQHPRGHOVROGLQVRPHPDUNHWDUHDVRI(DVWHUQ
(XURSH
*(1(5$/,1)250$7,21
:LWKWKLVSKRQHPRGHO\RXFDQXVHF\ULOOLFFKDUDF
WHUV 7KH F\ULOOLF FKDUDFWHU VHW LV DYDLODEOH LQ WKH
QRUPDOWH[WLQSXWPRGHLHWKHVSHOOLQJPRGH
:KHQZULWLQJWH[WZLWKWKH7WH[WLQSXWPRGH
WKH FKDUDFWHU VHW LV GHWHUPLQHG DFFRUGLQJ WR WKH
FKRVHQ7ODQJXDJH
$OVRQRWHWKDWWKHPD[LPXPDPRXQWRIFKDUDFWHUV
LQRQHPHVVDJHLVOLPLWHGWR
,I \RX ZULWH D ORQJ PHVVDJH PDLQO\ ZLWK F\ULOOLF
FKDUDFWHUV WKH PHVVDJH ZLOO EH VHQW LQ VHYHUDO
SDFNDJHVLHWKHFKDUJHRIWKLVPHVVDJHPLJKWEH
LQFUHDVHG
&\ULOOLFDQG ODWLQ FKDUDFWHUV FDQ EH PL[HG LQRQH
ZRUGRUPHVVDJH
&\ULOOLF FKDUDFWHUV FDQ EH XVHG ZLWK WKHVH IXQF
WLRQVZKHQHYHUDOSKDNH\VDUHQRUPDOO\DYDLODEOH
6KRUWPHVVDJHV
3KRQHERRN
&DOHQGDU
(QYLURQPHQWV

&<5,//,&&+$5$&7(56(7
6(/(&7,1*&<5,//,&
&+$5$&7(56
)LUVWWXUQWKH7PRGHRIIE\SUHVVLQJ
(QWHUWKHFKDUDFWHUVHWPHQXE\SUHVVLQJb
IRU
DIHZVHFRQGV
+LJKOLJKWWKHGHVLUHGFKDUDFWHUVHWZLWKQDQG
SUHVV2.
7KHFKDUDFWHUVHWKDVEHHQFKDQJHG
:KHQWKH7LV
WXUQHGRQ
2LVYLVLEOH
:KHQWKH7LV
WXUQHGRII
2LVLQYLVLEOH
b3UHVVDQGKROGIRUVHF
Q
'LUHFWDFFHVVWRQXPEHUV3UHVVbXQWLO=LVGLVSOD\HG
$OZD\VNH\LQQXPEHUDVIROORZV3UHVVbXQWLOWKHFKDU
DFWHUIRUPLVVZLWFKHGWR=3UHVV
$OZD\VNH\LQQXPEHUDVIROORZV0DNHVXUHWKHLV
WXUQHGRII3UHVV
'LUHFW DFFHVV WR VSHFLDO FKDUDFWHUV3UHVVIRUDIHZ
VHFRQGV 6FUROO WKURXJK WKH VHOHFWLRQ ZLWKQ DQG SUHVV WKH
FRUUHVSRQGLQJNH\ZKHQWKHGHVLUHGFKDUDFWHULVGLVSOD\HG
)RU IXUWKHU LQIRUPDWLRQ SOHDVH VHH WKH FKDSWHU 4XLFN VWDUW
2YHUYLHZ.H\SDGLQWKH%HQHIRQ(VF2ZQHUµV0DQXDO

&<5,//,&&+$5$&7(56(7
&<5,//,&&+$5$&7(56
$D ;[ <\ =] $D %E &F
>^?_,z @` Aa /}'G (H )I
Bb Cc Dd Ee12*J +K ,L
Ff Gg Hh Ii-M .N /O
Jj K k Ll Mm0P 1Q 2R
Nn Oo Pp Qq3S 4T 5U 6V
Rr Ss Tt Uu7W 8X 9Y
Vv Ww Xx Yy:Z ;[ <\ =]