General Research of Electronics 0908900 Scanning Receiver User Manual ADV0908900 and IC 5088A PSR120 O Manual

General Research of Electronics Inc Scanning Receiver ADV0908900 and IC 5088A PSR120 O Manual

Contents

Users Manual

3DJH
365
&KDQQHO9+)$LU8+))0$0:)0+DQGKHOG6FDQQHU
2ZQHU·V0DQXDO'UDIWDV3URRI
3DJH
&217(176
3DJH
3DJH
)($785(6
<RXUQHZ365&KDQQHO9+)$LU8+))0$0:)0+DQGKHOG6FDQQHUOHWV\RXVFDQFRQYHQWLRQDO
WUDQVPLVVLRQVDQGLVSUHSURJUDPPHGZLWKVHDUFKEDQNVIRUFRQYHQLHQFH<RXFDQTXLFNO\VHDUFKIUHTXHQFLHV
PRVWFRPPRQO\XVHGE\SXEOLFVHUYLFHDQGRWKHUDJHQFLHVZLWKRXWWHGLRXVDQGFRPSOLFDWHGSURJUDPPLQJLI
\RXSUHVVLQJ65&+NH\
<RXUVFDQQHUDOVRKDVWKHVHVSHFLDOIHDWXUHV
6SHFWUXP6ZHHSHU²DSRZHUIXOQHZWRROIRU\RXWRUDSLGO\GHWHFWPRQLWRUDQGVWRUHIUHTXHQFLHVIRUQHDUE\
UDGLRWUDQVPLVVLRQV
6HUYLFH6HDUFK%DQNV³OHW\RXVHDUFKSUHVHWIUHTXHQFLHVLQVHSDUDWHPDULQHILUHSROLFHDLUFUDIWDQGDPD
WHXUEDQGVWRPDNHLWHDV\WRORFDWHVSHFLILFW\SHVRIFDOOV
'LVSOD\%DFNOLJKW³PDNHVWKHVFDQQHUHDV\WRUHDGLQORZOLJKWVLWXDWLRQV
/RFNRXW)XQFWLRQ³OHWV\RXVHW\RXUVFDQQHUWRVNLSRYHUVSHFLILHGFKDQQHOVRUIUHTXHQFLHVZKHQVFDQQLQJ
RUVHDUFKLQJ
7HQ&KDQQHO6WRUDJH%DQNV³\RXFDQVWRUHFKDQQHOVLQHDFKEDQNWRWDOFKDQQHOVOHWWLQJ\RX
JURXSFKDQQHOVVR\RXFDQPRUHHDVLO\LGHQWLI\FDOOV
7XQH³OHWV\RXWXQHIRUQHZDQGXQOLVWHGIUHTXHQFLHVVWDUWLQJIURPDVSHFLILHGIUHTXHQF\
6$0(),36:HDWKHU$OHUW³GLVSOD\VWKHZHDWKHUHYHQWIRUWKHVSHFLILFFLWLHVRUFRXQWLHV\RXFKRRVHVR\RX
FDQKHDUWKHDOHUWWRQH
&7&66DQG'&6²6XEDXGLEOHVTXHOFKFRGLQJLVSURFHVVHGE\WKH&38
0HPRU\%DFNXS³NHHSVWKHIUHTXHQFLHVVWRUHGLQPHPRU\IRUDQH[WHQGHGWLPHHYHQZLWKRXWLQWHUQDOEDW
WHULHV
6FDQ'HOD\³GHOD\VVFDQQLQJIRUDERXWVHFRQGVEHIRUHPRYLQJWRDQRWKHUFKDQQHOVR\RXFDQKHDUPRUH
UHSOLHVWKDWDUHWUDQVPLWWHGRQWKHVDPHFKDQQHO
3ULRULW\&KDQQHO³OHWV\RXSURJUDPDFKDQQHODVWKHSULRULW\FKDQQHO$VWKHVFDQQHUVFDQVLWFKHFNVWKH
SULRULW\FKDQQHOHYHU\VHFRQGVVR\RXGRQRWPLVVWUDQVPLVVLRQVRQWKDWFKDQQHO
'DWD&ORQLQJ³OHWV\RXWUDQVIHUWKHSURJUDPPHGGDWDWRDQRWKHU365VFDQQHU
.H\/RFN³OHWV\RXORFNWKHVFDQQHU·VNH\VWRKHOSSUHYHQWDFFLGHQWDOO\FKDQJLQJWKHVFDQQHU·VSURJUDP
PLQJ
/DUJH/LTXLG&U\VWDO'LVSOD\³PDNHVLWHDV\WRYLHZDQGFKDQJHSURJUDPPLQJLQIRUPDWLRQ
*HQHUDO5HVHDUFKRI(OHFWURQLFV,QF
$OO5LJKWV5HVHUYHG
3DJH
6XSSOLHG)OH[LEOH$QWHQQDZLWK%1&&RQQHFWRU³SURYLGHVJRRGUHFHSWLRQRIVWURQJORFDOVLJQDOV<RXFDQ
FRQQHFWDQH[WHUQDODQWHQQDZLWKD%1&FRQQHFWRUWRWKHVFDQQHUIRULPSURYHGUHFHSWLRQRIGLVWDQWZHDNHU
VLJQDOV
7KUHH3RZHU2SWLRQV³\RXFDQSRZHUWKHVFDQQHUIURPLQWHUQDOUHFKDUJHDEOHRUQRQUHFKDUJHDEOHEDWWHU
LHVRUH[WHUQDO$&RU'&SRZHUXVLQJDVXSSOLHG$&RURSWLRQDO'&DGDSWHU
<RXU365VFDQQHUFDQUHFHLYHWKHVHEDQGV
)UHTXHQF\5DQJH0+] 7\SHVRI7UDQVPLVVLRQV
² 0HWHU+DP%DQG9+)/R0HWHU+DP%DQG
 )0%URDGFDVW
² $LUFUDIW
² 0LOLWDU\/DQG0RELOH0HWHU+DP%DQG9+)+L
² 8+)$LUFUDIW)HGHUDO*RYHUQPHQWFP+DP%DQG8+)6WDQGDUG%DQG
8+)´7µ%DQG
 8+)+LFP+DP%DQG
 FP+DP%DQG
1RWH6HH´6SHFLILFDWLRQVµRQ3DJH;;IRUPRUHLQIRUPDWLRQDERXWWKHVFDQQHU·VIUHTXHQF\VWHSV
7+()&&:$176<2872.12:
7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKHOLPLWVIRUDVFDQQLQJUHFHLYHUSXUVXDQWWR3DUW
RIWKH)&&5XOHV7KHVHOLPLWVDUHGHVLJQHGWRSURYLGHUHDVRQDEOHSURWHFWLRQDJDLQVWKDUPIXOLQWHUIHUHQFH
LQDUHVLGHQWLDOLQVWDOODWLRQ7KLVHTXLSPHQWJHQHUDWHVXVHVDQGFDQUDGLDWHUDGLRIUHTXHQF\HQHUJ\DQGLIQRW
LQVWDOOHGDQGXVHGLQDFFRUGDQFHZLWKWKHLQVWUXFWLRQVPD\FDXVHKDUPIXOLQWHUIHUHQFHWRUDGLRFRPPXQLFD
WLRQV
+RZHYHUWKHUHLVQRJXDUDQWHHWKDWLQWHUIHUHQFHZLOOQRWRFFXULQDSDUWLFXODULQVWDOODWLRQ,IWKLVHTXLSPHQW
GRHVFDXVHKDUPIXOLQWHUIHUHQFHWRUDGLRRUWHOHYLVLRQUHFHSWLRQZKLFKFDQEHGHWHUPLQHGE\WXUQLQJWKH
HTXLSPHQWRIIDQGRQWKHXVHULVHQFRXUDJHGWRWU\WRFRUUHFWWKHLQWHUIHUHQFHE\RQHRUPRUHRIWKHIROORZLQJ
PHDVXUHV
 5HRULHQWRUUHORFDWHWKHUHFHLYLQJDQWHQQD
 ,QFUHDVHWKHVHSDUDWLRQEHWZHHQWKHHTXLSPHQWDQGUHFHLYHU
 &RQQHFWWKHHTXLSPHQWLQWRDQRXWOHWRQDFLUFXLWGLIIHUHQWIURPWKDWWRZKLFKWKHUHFHLYHULVFRQQHFWHG
7KLVGHYLFHFRPSOLHVZLWK3DUWRIWKH)&&5XOHV2SHUDWLRQLVVXEMHFWWRWKHIROORZLQJWZRFRQGLWLRQV
 7KLVGHYLFHPD\QRWFDXVHKDUPIXOLQWHUIHUHQFH
 7KLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHUHFHLYHGLQFOXGLQJLQWHUIHUHQFHWKDWPD\FDXVHXQGHVLUHGRS
HUDWLRQ
3DJH
6&$11,1*/(*$//<
<RXUVFDQQHUFRYHUVIUHTXHQFLHVXVHGE\PDQ\GLIIHUHQWJURXSVLQFOXGLQJSROLFHDQGILUHGHSDUWPHQWVDPEX
ODQFHVHUYLFHVJRYHUQPHQWDJHQFLHVSULYDWHFRPSDQLHVDPDWHXUUDGLRVHUYLFHVPLOLWDU\RSHUDWLRQVSDJHU
VHUYLFHVDQGZLUHOLQHWHOHSKRQHDQGWHOHJUDSKVHUYLFHSURYLGHUV,WLVOHJDOWROLVWHQWRDOPRVWHYHU\WUDQVPLV
VLRQ\RXUVFDQQHUFDQUHFHLYH+RZHYHUWKHUHDUHVRPHWUDQVPLVVLRQV\RXVKRXOGQHYHULQWHQWLRQDOO\OLVWHQWR
7KHVHLQFOXGH
 7HOHSKRQHFRQYHUVDWLRQVFHOOXODUFRUGOHVVRURWKHUSULYDWHPHDQVRIWHOHSKRQHVLJQDOWUDQVPLVVLRQ
 3DJHUWUDQVPLVVLRQV
 $Q\VFUDPEOHGRUHQFU\SWHGWUDQVPLVVLRQV
$FFRUGLQJWRWKH(OHFWURQLF&RPPXQLFDWLRQV3ULYDF\$FW(&3$\RXDUHVXEMHFWWRILQHVDQGSRVVLEOHLPSULV
RQPHQWIRULQWHQWLRQDOO\OLVWHQLQJWRXVLQJRUGLYXOJLQJWKHFRQWHQWVRIVXFKDWUDQVPLVVLRQXQOHVV\RXKDYH
WKHFRQVHQWRIDSDUW\WRWKHFRPPXQLFDWLRQXQOHVVVXFKDFWLYLW\LVRWKHUZLVHLOOHJDO
7KLVVFDQQHUKDVEHHQGHVLJQHGWRSUHYHQWUHFHSWLRQRILOOHJDOWUDQVPLVVLRQV7KLVLVGRQHWRFRPSO\ZLWKWKH
OHJDOUHTXLUHPHQWWKDWVFDQQHUVEHPDQXIDFWXUHGVRDVWRQRWEHHDVLO\PRGLILDEOHWRSLFNXSWKRVHWUDQVPLV
VLRQV'RQRWRSHQ\RXUVFDQQHU·VFDVHWRPDNHDQ\PRGLILFDWLRQVWKDWFRXOGDOORZLWWRSLFNXSWUDQVPLVVLRQV
WKDWDUHLOOHJDOWRPRQLWRU'RLQJVRFRXOGVXEMHFW\RXWROHJDOSHQDOWLHV
,QVRPHDUHDVPRELOHXVHRIWKLVVFDQQHULVXQODZIXORUUHTXLUHVDSHUPLW&KHFNWKHODZVLQ\RXUDUHD,WLV
DOVRLOOHJDOLQPDQ\DUHDVWRLQWHUIHUHZLWKWKHGXWLHVRISXEOLFVDIHW\RIILFLDOVE\WUDYHOLQJWRWKHVFHQHRIDQLQ
FLGHQWZLWKRXWDXWKRUL]DWLRQ
:HHQFRXUDJHUHVSRQVLEOHVDIHDQGOHJDOVFDQQHUXVH
3DJH
35(3$5$7,21
3RZHULQJ7KH6FDQQHU
,QVWDOOLQJ%DWWHULHV
 5HPRYHWKHEDWWHU\FRPSDUWPHQWFRYHU
 6HWWKH%DWWHU\7\SH6HOHFWRUVZLWFKWR$/.IRUQRQUHFKDUJHDEOHDONDOLQHEDWWHULHVRU1L0+IRUUHFKDUJH
DEOH1L0+EDWWHULHV
 ,QVHUWWKUHH$$EDWWHULHVPDWFKLQJWKHSRODULW\V\PEROVDQG³PDUNHGLQVLGH
 5HSODFHWKHEDWWHU\FRPSDUWPHQWFRYHU
:DUQLQJ1HYHULQVWDOODONDOLQHEDWWHULHVZLWKWKH%DWWHU\7\SH6HOHFWRUVZLWFKVHWWR1L0+$O
NDOLQHEDWWHULHVFDQJHWKRWRUH[SORGHLI\RXWU\WRUHFKDUJHWKHP
%DWWHU\1RWLHV
 $ORZEDWWHU\ZDUQLQJVRXQGVHYHU\VHFRQGVZKHQWKHEDWWHULHVDUHQHDUO\GHSOHWHG
 'LVSRVHRIEDWWHULHVSURPSWO\DQGSURSHUO\'RQRWEXUQRUEXU\WKHP
 8VHRQO\IUHVKEDWWHULHVRIWKHUHTXLUHGVL]HDQGW\SH
 'RQRWPL[ROGDQGQHZEDWWHULHVGLIIHUHQWW\SHVRIEDWWHULHVVWDQGDUGDONDOLQHRUUHFKDUJHDEOH
RUUHFKDUJHDEOHEDWWHULHVRIGLIIHUHQWFDSDFLWLHV
 'LVFRQWLQXHXVHRIDQ\EDWWHU\WKDWH[KLELWVOHDNDJHVZHOOLQJRUDEQRUPDOJHQHUDWLRQRIKHDW
 ,I\RXGRQRWSODQWRXVHWKH365IRUDPRQWKRUORQJHUUHPRYHWKHEDWWHULHV%DWWHULHVFDQOHDN
FKHPLFDOVWKDWFDQGDPDJHHOHFWURQLFSDUWV
6HW$/.LI\RXXVHDONDOLQHEDWWHULHV6HW1L0+LI\RXXVHUHFKDUJHDEOH
1L0+EDWWHULHV
3DJH
8VLQJ$&3RZHU
 3OXJWKHSRZHUFRUG·VEDUUHOSOXJLQWRWKHVFDQQHU·V3:5'&9MDFN
 3OXJWKH$&DGDSWRULQWR\RXUZDOORXWOHW
1RWH<RXPXVWXVHDVXSSOLHG$&DGDSWRU
&DXWLRQ7KHFRUUHFWRULHQWDWLRQIRUWKHHQFORVHGSRZHUDGDSWRULVLQDYHUWLFDORUIORRUPRXQWSRVLWLRQ
8VLQJ9HKLFOH3RZHU
7RSRZHU\RXUVFDQQHUIURPD9SRZHUVRXUFHLQ\RXUYHKLFOHVXFKDVFLJDUHWWHOLJKWHUVRFNHW\RXQHHGD
9WR9DWOHDVWP$'&FLJDUHWWHOLJKWHUDGDSWRUZLWKPPRXWHUPPLQQHUSOXJQRWVXSSOLHG
 ,QVHUWWKHDGDSWRU·VEDUUHOSOXJLQWRWKHVFDQQHU·V3:5'&9MDFN
 3OXJWKHDGDSWRU·VRWKHUHQGLQWR\RXUYHKLFOH·VFLJDUHWWHOLJKWHURUSRZHUVRFNHW
1RWHV
 <RXPXVWXVHDSRZHUVRXUFHWKDWVXSSOLHV9'&DQGGHOLYHUVDWOHDVWP$,WVFHQWHUWLSPXVWEHVHW
WRSRVLWLYHDQGLWVSOXJPXVWILWWKHVFDQQHU·V3:5'&9MDFN8VLQJD'&DGDSWRUWKDWGRHVQRWPHHW
WKHVHVSHFLILFDWLRQVFRXOGGDPDJHWKHVFDQQHURUWKHDGDSWRU
 :KHQ\RXXVHDFLJDUHWWHOLJKWHUDGDSWRU\RXPLJKWKHDUHOHFWULFDOQRLVHIURP\RXUHQJLQHZKLOHVFDQQLQJ
7KLVLVQRUPDO
:DUQLQJ7RSUHYHQWHOHFWULFVKRFNGRQRWXVHWKH$&DGDSWRU·VSRODUL]HGSOXJZLWKDQH[WHQ
VLRQFRUGUHFHSWDFOHRURWKHURXWOHWXQOHVV\RXFDQIXOO\LQVHUWWKHEODGHVWRSUHYHQWEODGH
H[SRVXUH
3DJH
&KDUJLQJ5HFKDUJHDEOH%DWWHULHV
&KDUJHPHWKRGRIWKLVXQLWLVWKHVLPSOHFKDUJHPHWKRG
<RXUVFDQQHUFDQFKDUJHQLFNHOPHWDOK\GULGH1L0+UHFKDUJHDEOHEDWWHULHVQRWVXSSOLHGZKLOHWKH\DUHLQ
WKHVFDQQHU0DNHVXUH1L0+EDWWHULHVDUHLQVWDOOHGDQGWKH%DWWHU\7\SH6HOHFWRUVZLWFKLVVHWWR1L0+7R
FKDUJHUHFKDUJHDEOHEDWWHULHV\RXQHHGWRXVHDVXSSOLHG$&DGDSWRU
,WWDNHVDERXWKRXUVWRUHFKDUJHIXOO\GLVFKDUJHGP$K1L0+UHFKDUJHDEOHEDWWHULHV
1RWHV
 'RQRWRYHUFKDUJHWKHP2YHUFKDUJLQJVKRUWHQVEDWWHU\OLIH
 5HFKDUJHDEOHEDWWHULHVODVWORQJHUDQGGHOLYHUPRUHSRZHULI\RXOHWWKHPIXOO\GLVFKDUJHRQFHDPRQWK7R
GRWKLVXVHWKHVFDQQHUXQWLO%DSSHDUV7KHQIXOO\FKDUJHWKHUHFKDUJHDEOHEDWWHULHV
:$51,1*
0DNHDEDWWHU\VHOHFWRUVZLWFKLQDEDWWHU\SODFH1L0+VRWKDW\RXXVHUHFKDUJHDEOH
EDWWHULHV
1HYHUDWWHPSWWRUHFKDUJHQRQUHFKDUJHDEOHEDWWHULHV1RQUHFKDUJHDEOHEDWWHULHVFDQ
JHWKRWDQGFDQHYHQEXUVWLI\RXWU\WRUHFKDUJHWKHP
6LQFHFRQWLQXLQJFKDUJLQJFRQWLQXRXVO\IRUPDQ\GD\VLVGDQJHURXVSOHDVHDYRLG
&211(&7,1*7+(6833/,('$17(11$
7RDWWDFKWKHVXSSOLHGIOH[LEOHDQWHQQDWRWKHDQWHQQDMDFNRQWRSRI\RXUVFDQQHUDOLJQWKHVORWVDURXQGWKH
DQWHQQD·VFRQQHFWRUZLWKWKHWDEVRQWKHDQWHQQDMDFN3UHVVWKHDQWHQQDGRZQRYHUWKHMDFNDQGWXUQWKHDQ
WHQQD·VEDVHFORFNZLVHXQWLOLWORFNVLQWRSODFH
3DJH
&RQQHFWLQJDQ2XWGRRU$QWHQQD
7KHDQWHQQDFRQQHFWRURQ\RXUVFDQQHUPDNHVLWHDV\WRXVHWKHVFDQQHUZLWKDYDULHW\RIDQWHQQDVVXFKDV
DQH[WHUQDOPRELOHDQWHQQDRURXWGRRUEDVHVWDWLRQDQWHQQD
$OZD\VXVH2KPFRD[LDOFDEOHVXFKDV5*5*;RU5*WRFRQQHFWDQRXWGRRUDQWHQQD)RU
OHQJWKVEHWZHHQDQGIHHWXVH5*;ORZORVVGLHOHFWULFFRD[LDOFDEOH)RUOHQJWKVRYHUIHHWXVH
5*,IWKHDQWHQQDFDEOH·VFRQQHFWRUGRHVQRWKDYHD%1&FRQQHFWRU\RXZLOODOVRQHHGD%1&DGDSWHU
)ROORZWKHLQVWDOODWLRQLQVWUXFWLRQVVXSSOLHGZLWKWKHDQWHQQDURXWHWKHDQWHQQDFDEOHWRWKHVFDQQHUWKHQ
FRQQHFWLWWRWKHDQWHQQDMDFN
:DUQLQJ8VHH[WUHPHFDXWLRQZKHQ\RXLQVWDOOLQJRUUHPRYLQJDQRXWGRRUDQWHQQD,IWKH
DQWHQQDVWDUWVWRIDOOOHWLWJR,WFRXOGFRQWDFWRYHUKHDGSRZHUOLQHV,IWKHDQWHQQDWRXFKHVD
SRZHUOLQHFRQWDFWZLWKWKHDQWHQQDPDVWFDEOHRUJX\ZLUHVFDQFDXVHHOHFWURFXWLRQDQG
GHDWK&DOOWKHSRZHUFRPSDQ\WRUHPRYHWKHDQWHQQD'2127DWWHPSWWRGRVR\RXUVHOI
&211(&7,1*$1($53+21(+($'3+21(6
)RUSULYDWHOLVWHQLQJ\RXFDQSOXJDQLQFKPPPLQLSOXJHDUSKRQHRUKHDGSKRQHVQRWVXSSOLHG
LQWRWKHMDFNRQWKHWRSRIWKHVFDQQHU7KLVDXWRPDWLFDOO\GLVFRQQHFWVWKHLQWHUQDOVSHDNHU
/LVWHQLQJ6DIHO\
7RSURWHFW\RXUKHDULQJIROORZWKHVHJXLGHOLQHVZKHQ\RXXVHDQHDUSKRQHRUKHDGSKRQHV
 6HWWKHYROXPHWRWKHORZHVWVHWWLQJEHIRUH\RXEHJLQOLVWHQLQJ$IWHU\RXEHJLQOLVWHQLQJDGMXVWWKHYROXPH
WRDFRPIRUWDEOHOHYHO
 'RQRWOLVWHQDWH[WUHPHO\KLJKYROXPHOHYHOV([WHQGHGKLJKYROXPHOLVWHQLQJFDQOHDGWRSHUPDQHQWKHDU
LQJORVV
 2QFH\RXVHWWKHYROXPHGRQRWLQFUHDVHLW2YHUWLPH\RXUHDUVDGDSWWRWKHYROXPHOHYHOVRDYROXPH
OHYHOWKDWGRHVQRWFDXVHGLVFRPIRUWPLJKWVWLOOGDPDJH\RXUKHDULQJ
3DJH
7UDIILF6DIHW\
'RQRWZHDUDQHDUSKRQHRUKHDGSKRQHVZLWK\RXUVFDQQHUZKHQRSHUDWLQJDPRWRUYHKLFOHRUULGLQJDELF\FOH
LQRUQHDUWUDIILF'RLQJVRFDQFUHDWHDWUDIILFKD]DUGDQGFRXOGEHLOOHJDOLQVRPHDUHDV
,I\RXXVHDQHDUSKRQHRUKHDGSKRQHVZLWK\RXUVFDQQHUZKLOHULGLQJDELF\FOHEHYHU\FDUHIXO'RQRWOLVWHQ
WRDFRQWLQXRXVEURDGFDVW(YHQWKRXJKVRPHHDUSKRQHVDQGKHDGSKRQHVOHW\RXKHDUVRPHRXWVLGHVRXQGV
ZKHQ\RXOLVWHQDWQRUPDOOHYHOVWKH\VWLOOFDQSUHVHQWDWUDIILFKD]DUG
&211(&7,1*$1(;7(16,2163($.(5
,QDQRLV\DUHDDQDPSOLILHGH[WHQVLRQVSHDNHUQRWVXSSOLHGPLJKWSURYLGHPRUHFRPIRUWDEOHOLVWHQLQJ3OXJ
WKHVSHDNHUFDEOH·VLQFKPPPLQLSOXJLQWR\RXUVFDQQHU·VKHDGSKRQHV\PEROPDUNMDFN
1RWH<RXPXVWXVHDQDPSOLILHGVSHDNHUZLWKWKLVVFDQQHU1RQDPSOLILHGVSHDNHUVGRQRWSURYLGHVXIILFLHQW
YROXPHIRUFRPIRUWDEOHOLVWHQLQJ
86,1*7+(%(/7&/,3
<RXFDQXVHWKHEHOWFOLSDWWDFKHGWRWKHEDFNRIWKHVFDQQHUIRUKDQGVIUHHFDUU\LQJZKHQ\RXDUHRQWKHJR
6OLGHWKHEHOWFOLSRYHU\RXUEHOWRUZDLVWEDQG
3DJH
$%287<2856&$11(5
2QFH\RXXQGHUVWDQGDIHZVLPSOHWHUPVXVHGLQWKLVPDQXDODQGIDPLOLDUL]H\RXUVHOIZLWK\RXUVFDQQHU·VIHD
WXUHV\RXFDQSXWWKHVFDQQHUWRZRUNIRU\RX<RXVLPSO\GHWHUPLQHWKHW\SHRIFRPPXQLFDWLRQV\RXZDQWWR
UHFHLYHWKHQVHWWKHVFDQQHUWRVFDQWKHP
$IUHTXHQF\LVWKHUHFHLYLQJVLJQDOORFDWLRQH[SUHVVHGLQN+]RU0+]7RILQGDFWLYHIUHTXHQFLHV\RXFDQXVH
WKHVHDUFKRUWXQHIXQFWLRQ
:KHQ\RXILQGDIUHTXHQF\\RXFDQVWRUHLWLQWRDSURJUDPPDEOHPHPRU\ORFDWLRQFDOOHGDFKDQQHOZKLFKLV
JURXSHGZLWKRWKHUFKDQQHOVLQDFKDQQHOVWRUDJHEDQN<RXFDQWKHQVFDQWKHFKDQQHOVWRUDJHEDQNVWRVHH
LIWKHUHLVDFWLYLW\RQWKHIUHTXHQFLHVVWRUHGWKHUH(DFKWLPHWKHVFDQQHUILQGVDQDFWLYHIUHTXHQF\LWVWD\VRQ
WKDWFKDQQHOXQWLOWKHWUDQVPLVVLRQHQGV7KLVVFDQQHUKDVVHSDUDWHFKDQQHOORFDWLRQEHWZHHQVFDQQHUPRGH
WRWDOFKDQQHODQG)0UDGLRPRGHWRWDOFKDQQHO
$%2877+(.(<3$'
+HUHLVDEULHIRYHUYLHZRI\RXUVFDQQHVNH\VDQGWKHLUIXQFWLRQV
6FDQQHU 5HWXUQWRVFDQQHUPRGHIURP)0UDGLRPRGH
)0UDGLR OLVWHQWR)0EURDGFDVW
781(35, /HWV\RXWXQHDIUHTXHQF\DORQJZLWKRU
WXUQVRQDQGRIIWKHSULRULW\IHDWXUHZLWK)81&
NH\
 $FWLYDWHVWKH6SHFWUXP6ZHHSHUIXQFWLRQ
:; /HWV\RXVHDUFKWKHVFDQQHU·VSUHSURJUDPPHGZHDWKHUFKDQQHOVRUMXPSVWRD6N\ZDUQ
FKDQQHO\RXSURJUDPPHGFKDQQHOZLWK)81&NH\
)81& /HWV\RXXVHYDULRXVIXQFWLRQVE\SUHVVLQJWKLVNH\LQFRPELQDWLRQZLWKRWKHUNH\V
6&$10$1 6FDQVDQ\SUHSURJUDPPHGFKDQQHOVRUVWRSVVFDQQLQJDQGOHWV\RXGLUHFWO\HQWHUDFKDQQHO
QXPEHU
3DJH
$LU (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVHDUFKWKHVFDQQHU·VSUHSURJUDPPHGDLUFUDIW
EDQGZLWK)81&NH\
3')' (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVHDUFKWKHVFDQQHU·VSUHSURJUDPPHG3ROLFH)LUH
EDQGZLWK)81&NH\
0$5 (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVHDUFKWKHVFDQQHU·VSUHSURJUDPPHGPDULQH
EDQGZLWK)81&NH\
&7'& /HWV\RXVHDUFKGHWHFWWKH&7&66'&6FRGH
36(&/($5 6WRSVRUUHVWDUWVVHDUFKRUWXQHFOHDUVDQLQFRUUHFWHQWU\
+$0 (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVHDUFKWKHVFDQQHVSUHSURJUDPPHGDPDWHXU
EDQGZLWK)81&NH\
/,0,7 (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVHDUFKWKHOLPLWVHDUFKEDQGZLWK)81&NH\
$77 (QWHUVDRUWXUQVRQRIIWKHEDQNWRJJOHVDWWHQXDWRURQDQGRIIZLWK)81&NH\
/259:/25HYLHZVORFNHGRXWIUHTXHQFLHVOHWV\RXORFNRXWVHOHFWHGFKDQQHOVRUIUHTXHQFLHVZLWK)81&
NH\
 6HDUFKHVXSIRUDFWLYHIUHTXHQFLHVRUVHOHFWVWKHGLUHFWLRQZKHQVFDQQLQJFKDQQHOV
 (QWHUVDRUWXUQVRQRIIWKHEDQN
 (QWHUVDQRUWXUQVRQRIIWKHEDQN
 (QWHUVDRUWXUQVRQRIIWKHEDQN
/,7 7XUQVWKHEDFNOLJKWRQDQGRIIORFNVDQGXQORFNVWKHNH\SDGWRSUHYHQWDFFLGHQWDOHQWULHV
ZLWK)81&NH\
 6HDUFKHVGRZQIRUDFWLYHIUHTXHQFLHVRUVHOHFWVWKHGLUHFWLRQZKHQVFDQQLQJFKDQQHOV
&/21( (QWHUVDRUWXUQVRQRIIWKHEDQNOHWV\RXVWDUWFORQHIHDWXUHZLW)81&NH\
'/< (QWHUVDGHFLPDOSRLQWQHFHVVDU\ZKHQSURJUDPPLQJIUHTXHQFLHVSURJUDPVGHOD\WLPHIRU
WKHVHOHFWHGFKDQQHORUVHDUFKEDQG
(173*0 (QWHUVIUHTXHQFLHVLQWRFKDQQHOVSURJUDPVIUHTXHQFLHVLQWRFKDQQHOVZLWK)81&NH\
3DJH
$/22.$77+(',63/$<
7KHGLVSOD\KDVLQGLFDWRUVWKDWVKRZWKHVFDQQHU·VFXUUHQWRSHUDWLQJVWDWXV7KLVTXLFNORRNDWWKHGLVSOD\ZLOO
KHOS\RXXQGHUVWDQGKRZ\RXUVFDQQHURSHUDWHV
ATT $SSHDUVZKHQWKHVFDQQHUIXQFWLRQVG%DWWHQXDWRU
BANK $SSHDUVZLWKQXPEHUV²WRLQGLFDWHWKHVFDQEDQN%DQNQXPEHUVZLWKDEDUXQGHUWKHP
VKRZZKLFKEDQNVDUHWXUQHGRQIRUVFDQQLQJVHH´8QGHUVWDQGLQJ%DQNVµRQ3DJH;;
 $SSHDUVZKHQ\RXORFNWKHNH\SDG
% $SSHDUVZKHQWKHEDWWHULHVDUHORZ
 $SSHDUVZKHQWKHVFDQQHUVZHHSVWKHIUHTXHQFLHVWRUDSLGO\GHWHFWPRQLWRUDQGVWRUHLWIRU
QHDUE\UDGLRWUDQVPLVVLRQV
 $SSHDUVZKHQ\RXKHDUWKHVN\ZDUQFKDQQHO
TUNE $SSHDUVZKHQ\RXWXQHWKHIUHTXHQFLHV
WX ,QGLFDWHVWKDWWKHVFDQQHULVVHDUFKLQJZDWFKLQJWKHZHDWKHUFKDQQHOV
MAR ,QGLFDWHVWKDWWKHVFDQQHULVVHDUFKLQJWKHPDULQHEDQN
FD/PD ,QGLFDWHVWKDWWKHVFDQQHULVVHDUFKLQJWKHILUHSROLFHEDQN
AIR ,QGLFDWHVWKDWWKHVFDQQHULVVHDUFKLQJWKHDLUFUDIWEDQN
HAM ,QGLFDWHVWKDWWKHVFDQQHULVVHDUFKLQJWKHDPDWHXUUDGLREDQN
FM radio ,QGLFDWHVWKDWWKHVFDQQHULV)0UDGLRPRGH
L/OORFNRXW$SSHDUVZKHQ\RXPDQXDOO\VHOHFWDFKDQQHOWKDWZDVSUHYLRXVO\ORFNHGRXWGXULQJVFDQQLQJ
RUZKHQ\RXUHYLHZDORFNHGRXWIUHTXHQF\
3DJH
88CH $SSHDUVZLWKGLJLWV²RU3WRVKRZZKLFKFKDQQHOWKHVFDQQHULVWXQHGWR
1888.8888 ,QGLFDWHVUHFHLYLQJIUHTXHQF\VWDWXVPDVVDJHHWF
CT $SSHDUVZKHQWKHVFDQQHUVHDUFKHV&7&66FRGH
DC $SSHDUVZKHQWKHVFDQQHUVHDUFKHV'&6FRGH
DLY $SSHDUVZKHQ\RXSURJUDPDVHFRQGGHOD\
 ,QGLFDWHVWKHVHDUFKRUVFDQGLUHFWLRQ
SRCH $SSHDUVGXULQJVHUYLFHEDQNVHDUFKHV
SCAN $SSHDUVZKHQWKHVFDQQHUVFDQVFKDQQHOV
MAN $SSHDUVZKHQ\RXPDQXDOO\VHOHFWDFKDQQHO
PGM $SSHDUVZKHQ\RXSURJUDPIUHTXHQFLHVLQWRWKHVFDQQHU·VFKDQQHOV
PRI $SSHDUVZKHQWKHSULRULW\IHDWXUHLVWXUQHGRQ
7KLVVFDQQHUGLVSOD\VYDULRXVLQIRUPDWLRQLQVHJPHQWLQGLFDWLRQSDUW
AL Ch-FULL$SSHDUVZKHQ\RXWU\WRHQWHUDIUHTXHQF\GXULQJDVHDUFKWXQHZKHQDOOFKDQQHOVDUHIXOO
AL L-out $SSHDUVZKHQ\RXORFNRXWWKHDOOPDULQHFKDQQHO
CLOnE $SSHDUVZKHQWKHVFDQQHUVWD\VLQWKHFORQHPRGH
ChAnnEL $SSHDUVZKHQ\RXHQWHUWKHUHFHLYHGIUHTXHQF\LQWRFKDQQHOPHPRU\ZKLOHWXQHVHDUFK
-dUPL- $SSHDUVZKHQ\RXWU\WRVWRUHDIUHTXHQF\WKDWLVDOUHDG\VWRUHGLQDQRWKHUFKDQQHO
Error $SSHDUVZKHQ\RXPDNHDQHQWU\HUURU
Lo ALL-CL $SSHDUVZKHQ\RXUHPRYHDOOWKHORFNHGRXWIUHTXHQFLHVGXULQJD)'3'$,5+$0/LPLW
EDQG7XQHRUVSHFWUXPVZHHSHU
Lr $SSHDUVZKHQ\RXUHYLHZWKHORFNHGRXWIUHTXHQFLHV
Lo FULL $SSHDUVZKHQ\RXWU\WRORFNRXWDIUHTXHQF\GXULQJD)'3'$,5+$0RUVSHFWUXPVZHHSHU
ZKHQIUHTXHQFLHVDUHDOUHDG\ORFNHGRXW
oFF tonE $SSHDUVZKHQ\RXWXUQWKHNH\WRQHRII
On tonE $SSHDUVZKHQ\RXWXUQWKHNH\WRQHRQ
Pu $SSHDUVZKHQWKHVFDQQHUVWRSVVHDUFKLQJVFDQQLQJ
StAndby $SSHDUVZKHQWKHVFDQQHUHQWHUV6$0(VWDQGE\PRGH
MAr $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV0$5NH\
3DJH
FIrE $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV)'3'NH\
POLICE $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV)'3'NH\
AIr $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV$,5NH\
HAM $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV+$0NH\
WEAthEr $SSHDUVDERXWVHFRQGVZKHQ\RXSUHVV:;NH\
Lo VHF $SSHDUVZKHQ\RXWXUQRQWKHORZ9+)VXEEDQNZKLOHILUHSROLFHEDQNVHDUFKLQJ
Hi VHF $SSHDUVZKHQ\RXWXUQRQWKHKLJK9+)VXEEDQNZKLOHILUHSROLFHEDQNVHDUFKLQJ
Lo UHF $SSHDUVZKHQ\RXWXUQRQWKHORZ8+)VXEEDQNZKLOHILUHSROLFHEDQNVHDUFKLQJ
Hi UHF $SSHDUVZKHQ\RXWXUQRQWKHKLJK8+)VXEEDQNZKLOHILUHSROLFHVHDUFKLQJ
10 M $SSHDUVZKHQ\RXWXUQRQWKHPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
6 M $SSHDUVZKHQ\RXWXUQRQWKHPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
2 M $SSHDUVZKHQ\RXWXUQRQWKHPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
70CM $SSHDUVZKHQ\RXWXUQRQWKHFPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
33CM $SSHDUVZKHQ\RXWXUQRQWKHFPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
23CM $SSHDUVZKHQ\RXWXUQRQWKHFPVXEEDQNZKLOH+$0EDQNVHDUFKLQJ
&KDQQHO6WRUDJH%DQNV
$EDQNLVDVWRUDJHDUHDIRUDJURXSRIFKDQQHOV&KDQQHOVDUHVWRUDJHDUHDVIRUIUHTXHQFLHV:KHUHDVD
FKDQQHOFDQRQO\FRQWDLQRQHIUHTXHQF\DEDQNFDQKROGQXPHURXVFKDQQHOV
7RPDNHLWHDVLHUWRLGHQWLI\DQGVHOHFWWKHFKDQQHOV\RXZDQWWROLVWHQWR\RXUVFDQQHUGLYLGHVWKHFKDQQHOV
LQWREDQNVWRRIFKDQQHOVHDFKDWRWDORIFKDQQHOV<RXFDQXVHHDFKFKDQQHOVWRUDJHEDQNWR
JURXSIUHTXHQFLHVVXFKDVWKRVHXVHGE\WKHSROLFHGHSDUWPHQWILUHGHSDUWPHQWDPEXODQFHVHUYLFHVRUDLU
FUDIW
)RUH[DPSOHDSROLFHGHSDUWPHQWPLJKWXVHIRXUIUHTXHQFLHVRQHIRUHDFKVLGHRIWRZQ<RXFRXOGSURJUDP
WKHSROLFHIUHTXHQFLHVVWDUWLQJZLWK&KDQQHOWKHILUVWFKDQQHOLQEDQNDQGSURJUDPWKHILUHGHSDUWPHQW
IUHTXHQFLHVVWDUWLQJZLWK&KDQQHOWKHILUVWFKDQQHOLQEDQN
)05DGLR&KDQQHOV
7KLVVFDQQHUKDVDQRWKHUFKDQQHOPHPRU\ORFDWLRQFDOOHG)0UDGLRFKDQQHO7+HVHFKDQQHOVDUHDEOHWRXVH
RQO\)05DGLRPRGH<RXFDQSURJUDPEURDGFDVWVWDWLRQVLQWR)05DGLRFKDQQHO
3DJH
6HUYLFH6HDUFK%DQGV
7KHVFDQQHULVSUHSURJUDPPHGZLWKWKHIUHTXHQFLHVDOORFDWHGE\PDULQHILUHSROLFHDLUFUDIWKDPUDGLRDQG
ZHDWKHUVHUYLFHV7KLVLVKDQG\IRUTXLFNO\ILQGLQJDFWLYHIUHTXHQFLHVLQVWHDGRIVHDUFKLQJWKURXJKDQHQWLUH
EDQGVHH´6HDUFKLQJWKH6HUYLFH6HDUFK%DQGVµRQ3DJH;;
1RWH7KHIUHTXHQFLHVLQWKHVFDQQHU·VVHUYLFHEDQNVDUHSUHVHW<RXFDQQRWFKDQJHWKHP
$LU
*URXS )UHTXHQF\5DQJH0+] 6WHSN+]
²
 ²  
)LUH3ROLFH
*URXS )UHTXHQF\5DQJH0+] 6WHSN+]




²
²
²
²


²
²

²
²
²
²
²
²
²
²

²
²
²

²

3DJH
²

²
²
  
,I\RXVHOHFW&DQDGDIUHTXHQF\PRGHWKHUHDUHDVIROORZV
²
²
²
²
²
²

²
²
²

²

²

²
²
 
²
²
²

²
  
,I\RXVHOHFW&DQDGDIUHTXHQF\PRGHWKHUHDUHDVIROORZV
²
²
²

²


   
3DJH
0DULQH
&KDQQHO )UHTXHQF\0+]


     

     

    

     
     
     
     
     

     

  

     
    
    
    
  
  
  
&KDQQHO )UHTXHQF\0+]

  

















  
  
    
  
  
1RWH%RWKIUHTXHQFLHVWUDQVPLVVLRQDQGUHFHSWLRQDUHVKRZQIRUPDULQHFKDQQHOVXVHGIRUGXSOH[WUDQVPLV
VLRQ
$PDWHXU5DGLR
*URXS )UHTXHQF\5DQJH0+] 6WHSN+]
²
²
²
 ²  
,I\RXVHOHFW&DQDGDIUHTXHQF\PRGHWKHUHDUHDVIROORZV
²  

  
3DJH
23(5$7,21
7851,1*217+(6&$11(56(77,1*92/80($1'648(/&+
 7RWXUQRQWKHVFDQQHUWXUQ92/80(FORFNZLVHWELCOMEPHVVDJHDSSHDUV$IWHUDERXWVHFRQGV
\RXPLJKWKHDUDKLVVLQJVRXQG7KHQDGMXVW92/80(WRDFRPIRUWDEOHOLVWHQLQJOHYHO
 3UHVV64212))VZLWFKSDSSHDUVZKHQWKHVFDQQHU·VVTXHOFKLVWXUQRQ6HOHFW64+,RU64/2LISRV
VLEOH
1RWHV
 7ROLVWHQWRDZHDNRUGLVWDQWVWDWLRQVZLWFKWR64/2,IUHFHSWLRQLVSRRUVHW64+,/2WR64+,WRFXWRXW
ZHDNWUDQVPLVVLRQV
 ,I64LVWXUQRIIVR\RXDOZD\VKHDUDKLVVLQJVRXQGWKHVFDQQHUZLOOQRWVFDQRUVHDUFKSURSHUO\
 7RWXUQRIIWKHVFDQQHUZKHQ\RXILQLVKWXUQ92/80(FRXQWHUFORFNZLVHWR2))
6TXHOFK2Q2II6ZLWFK
6TXHOFK+LJK/RZ6ZLWFK
3DJH
5DGLR0RGH
7KLVVFDQQHUKDVGLIIHUHQWPRGHVXFKDV6FDQQHUPRGHDQG)0UDGLRPRGH,I\RXSUHVV6FDQQHUWKHVFDQ
QHUWXUQV6FDQQHUPRGH,I\RXSUHVV)0UDGLRWKHVFDQQHUWXUQV)0UDGLRPRGH
)ROORZLQJWDEOHVKRZVHDFKPRGH·VIXQFWLRQV
6FDQQHUPRGH )0UDGLRPRGH
&KDQQHO FK[EDQNV FK
7XQH <HV$OOEDQGZLWKRXW)0UDGLREDQG <HV)0UDGLREDQG
6HUYLFH6HDUFK <HV 1RQH
3ULRULW\ <HV 1RQH
6FDQ0DQXDO <HV <HV
&7&66'&6 <HV 1RQH
'HOD\ <HV <HV
/RFNRXW <HV <HV
5HVKXIIOLQJRIWKH)UHTXHQF\ZLWK86$DQG&DQDGD
3OHDVHSHUIRUPWKHUHVKXIIOLQJRIWKHIUHTXHQF\VWHSLIQHFHVVDU\
7KHGHIDXOWVHWWLQJLV86$
 7XUQRIIWKHVFDQQHUWKHQWXUQLWRQDJDLQ
 3UHVVZKLOH:HOFRPH0HVVDJHDSSHDUVUSARUCAnAdADSSHDUVRQWKHGLVSOD\
 3UHVVRUYWRVZLWFKHVUSADQGCAnAdAYes-EntRUNo-CLrDSSHDUVDOWHUQDWHO\
 3UHVV(17WRVHOHFWWKHQHZEDQGVHWWLQJ7KHVFDQQHULQLWLDOL]HV
&DXWLRQ,I\RXUHVKXIIOHWKHEDQGSODQWKHVFDQQHULQLWLDOL]HDQGDOO PHPRULHVDUHFOHDUHG%DFNXSWKH
VFDQQHVPHPRU\WR3&XVLQJWKLUGSDUWV3&DSSOLFDWLRQLIQHFHVVDU\
7KLVLQGLFDWRUVKRZVWKHFXUUHQWPRGH
3DJH
6725,1*.12:1)5(48(1&,(6,172&+$11(/6
)ROORZWKHVHVWHSVWRVWRUHIUHTXHQFLHVLQWRFKDQQHOV
 3UHVV0$16&$1ZKLOHMANDSSHDUV(QWHUEDQNDQGFKDQQHOQXPEHUZKHUH\RXZDQWWR
VWRUHDIUHTXHQF\WKHQSUHVV0$16&$13UHVV)81&WKHQSUHVV(173*0WRHQWHUSURJUDPPRGH2U
SUHVV)81&WKHQ(173*0WRHQWHUSURJUDPPRGHDQGSUHVVRUWRPRYHWKHFKDQQHOZKHUH\RX
ZDQWWRVWRUHDIUHTXHQF\
 8VHWKHQXPEHUNH\VDQGDQGWRHQWHUWKHIUHTXHQF\LQFOXGLQJWKHGHFLPDOSRLQW\RXZDQWWR
VWRUH
 3UHVV(17WRVWRUHWKHIUHTXHQF\LQWRWKHFKDQQHO
1RWHV
 ,I\RXPDGHDPLVWDNHLQ6WHSErrorDSSHDUVDQGWKHVFDQQHUEHHSVWKUHHWLPHVZKHQ\RXSUHVV
(176LPSO\VWDUWDJDLQIURP6WHS
 <RXUVFDQQHUDXWRPDWLFDOO\URXQGVWKHHQWHUHGIUHTXHQF\GRZQWRWKHFORVHVWYDOLGIUHTXHQF\)RUH[DP
SOHLI\RXHQWHUDIUHTXHQF\RI\RXUVFDQQHUDFFHSWVLWDV
 ,I\RXHQWHUHGDIUHTXHQF\WKDWLVDOUHDG\VWRUHGLQDQRWKHUFKDQQHOWKHVFDQQHUEHHSVWKUHHWLPHVDQG
GLVSOD\VWKHORZHVWFKDQQHOQXPEHUZKHUHWKHIUHTXHQF\LVDOUHDG\VWRUHGDQG-dUPL-WKHQWKHIUH
TXHQF\IODVKHV,I\RXZDQWWRVWRUHWKHIUHTXHQF\DQ\ZD\SUHVV(17DJDLQ3UHVV781(&/($5WRFOHDU
WKHIUHTXHQF\
 3UHVV'/<LI\RXZDQWWKHVFDQQHUWRSDXVHVHFRQGVRQWKLVFKDQQHOEHIRUHLWSURFHHGVWRWKHQH[WFKDQ
QHODIWHUDWUDQVPLVVLRQHQGVVHH´'HOD\µRQ3DJH;;7KHVFDQQHUDOVRVWRUHVWKLVVHWWLQJLQWKHFKDQ
QHO
 7RSURJUDPWKHQH[WFKDQQHOLQVHTXHQFHSUHVV)81&WKHQ(173*0DQGUHSHDW6WHSVDQG
3DJH
),1',1*$1'6725,1*$&7,9()5(48(1&,(6
6HDUFKLQJWKH6HUYLFH6HDUFK%DQGV
<RXUVFDQQHUFRQWDLQVJURXSVRISUHVHWIUHTXHQFLHVFDOOHG6HUYLFH6HDUFK%DQGV(DFK6HUYLFH6HDUFKEDQG
LVDVVRFLDWHGZLWKDVSHFLILFDFWLYLW\<RXFDQVHDUFKIRUPDULQHILUHSROLFHDLUKDPDQGZHDWKHUWUDQVPLV
VLRQVHYHQLI\RXGRQRWNQRZWKHVSHFLILFIUHTXHQFLHVWKDWDUHXVHGLQ\RXUDUHD7KHQ\RXFDQVWRUHWKHIUH
TXHQFLHV\RXIRXQGLQWRWKHVFDQQHU·VFKDQQHOVH[FHSWZHDWKHUDQGPDULQHEDQGV
1RWHV
 <RXFDQXVHWKHVFDQQHU·VGHOD\IHDWXUHZKLOHVHDUFKLQJWKHEDQGVVHH´'HOD\µRQ3DJH;;
 7ROLVWHQWRWKHPDULQHEDQNVHH´/LVWHQLQJWRWKH0DULQH%DQGµRQ3DJH;;
 7ROLVWHQWRWKHZHDWKHUEDQNVHH´/LVWHQLQJWRWKH:HDWKHU%DQGµRQ3DJH;;
 3UHVV)81&WKHQSUHVV$,5RU)'3'RU+$0FIrE POLICERUAIrRUHAMDSSHDUV$IWHU
DERXWVHFRQGVWKHVFDQQHUVWDUWVVHDUFK
3UHVV)81&
)81&
$LU
7KHQSUHVV
$,5
:KHQ\RXVHOHFWDLUEDQGDWWKHWLPHRIDPDQXDOPRGHVWD\
$ERXWVHFRQGVDIWHUWKH
VFDQQHUVWDUWVVHDUFK
3DJH
1RWHV
 7RUHYHUVHWKHVHDUFKGLUHFWLRQDWDQ\WLPHSUHVVRU
 7RSDXVHWKHVHDUFKZKLOHUHFHLYLQJDVLJQDOSUHVV36(7RUHVXPHVHDUFKLQJSUHVV36(DJDLQ
 ,IQHFHVVDU\\RXFDQVHOHFWVHDUFKJURXSVXVLQJWKHQXPEHUNH\V
 7RVHDUFKIRUDQRWKHUDFWLYHIUHTXHQF\LQWKHVHOHFWHGEDQGSUHVVRU
7RVHOHFWDGLIIHUHQWEDQGDQG
VHDUFKIRUDQRWKHUDFWLYHIUHTXHQF\UHSHDW6WHSV
2QFH\RXILQGLQWHUHVWLQJIUHTXHQFLHVGXULQJWKHVHDUFK\RXFDQVWRUHWKHPLQWRWKHVFDQQHU·VFKDQQHOVWRU
DJHEDQNV
7RVWRUHWKHGLVSOD\HGIUHTXHQF\LQWKHFKDQQHOSUHVV(17ZKHQ\RXILQGDIUHTXHQF\7KH&K$QQ(/DS
SHDUVDVHFRQGWKHQWKHEDQNLQGLFDWRUFKDQQHOQXPEHUDSSHDUVDQGIUHTXHQF\RULILWLVYD
FDQWFKDQQHOIODVKHV
,I\RXGHVLUHGWRVWRUHWKHRWKHUEDQNFKDQQHOSUHVVGLJLWQXPEHUWKHQSUHVV(172UXVH
NH\WR
PRYHFKDQQHO
3UHVV(17WRVWRUHWKHIUHTXHQF\7KHFKDQQHODQGROGIUHTXHQF\IODVKWZLFH,I\RXZDQWWRFDQFHOWKH
RSHUDWLRQSUHVV36(&/($5LQVWHDGRI(17
3UHVV(17
6HDUFKVWRSV
(17
3*0
$ERXWDVHFRQGDIWHUWKHVFDQQHU
VKRZVEDQNFKDQQHODQGIUHTXHQF\
3DJH
1RWH,I\RXHQWHUHGDIUHTXHQF\WKDWLVDOUHDG\VWRUHGLQDQRWKHUFKDQQHO-dUPL-GXSOLFDWHDQGWKHORZ
HVWQXPEHUHGFKDQQHOFRQWDLQLQJWKHGXSOLFDWHIUHTXHQF\DSSHDUV,I\RXZDQWWRVWRUHWKHIUHTXHQF\DQ\ZD\
SUHVVFKDQQHOQXPEHUWKHQ(17WRVHOHFWFKDQQHOWKHQ(17DJDLQ<RXFDQWKHQGHOHWHWKHIUHTXHQF\ODWHU
6HH´&OHDULQJD6WRUHG&KDQQHOµRQ3DJH;;
,IWKHUHLVQRHPSW\FKDQQHOLQWKHEDQNCh-FULLDSSHDUVDIWHU\RXSUHVV(177RVWRUHPRUHIUHTXHQFLHV
\RXPXVWFOHDUVRPHFKDQQHOVRU\RXPD\SURJUDPWKHRWKHUEDQN6HH´&OHDULQJD6WRUHG&KDQQHOµRQ3DJH
;;7RFRQWLQXHVHDUFKLQJDIWHUCh-FULLDSSHDUVSUHVV36(&/($5
6HDUFKLQJWKH/LPLW6HDUFK%DQG
<RXFDQVHDUFKDVSHFLILFUDQJHRIIUHTXHQFLHVE\SURJUDPPLQJ/,0,7VHDUFKEDQGZLWKORZHUDQGXSSHUIUH
TXHQF\OLPLWV
 3UHVV)81&WKHQSUHVV/,0,7WRHQWHUOLPLWVHDUFK
 3UHVV)81&WKHQSUHVV(173*07KHVFDQQHUHQWHUVOLPLWVHDUFKSURJUDPPRGHLoDQGORZHUOLPLW
VHDUFKIUHTXHQF\DSSHDUV
 8VHWKHQXPEHUNH\VDQG'/<WRHQWHUWKHGHVLUHGORZHUOLPLWIUHTXHQF\LQFOXGLQJWKHGHFLPDOSRLQW
 3UHVV(17WRVHWWKHORZHUOLPLWIUHTXHQF\,IWKHHQWHUHGIUHTXHQF\LVLQFRUUHFWErrorDSSHDUVDQGHUURU
EHHSVRXQGVWLPHV5HSHDWIURPVWHS
 3UHVVWRPRYHWRXSSHUOLPLWVHDUFKIUHTXHQF\ILHOGHiDQGXSSHUOLPLWVHDUFKIUHTXHQF\DSSHDUV
 8VHWKHQXPEHUNH\VDQG'/<WRHQWHUWKHGHVLUHGXSSHUOLPLWIUHTXHQF\LQFOXGLQJWKHGHFLPDOSRLQW
 3UHVV(17
 3UHVV)81&WKHQSUHVV/,0,7WRVWDUWOLPLWVHDUFK
3DJH
8VLQJ7XQH
'XULQJDWXQHWKHVFDQQHUWXQHVXSRUGRZQVWDUWLQJIURPDIUHTXHQF\\RXVSHFLI\)ROORZWKHVHVWHSVWRXVH
WXQH
1RWH<RXFDQXVHWKHVFDQQHU·VGHOD\IHDWXUHZKLOHXVLQJWXQH
 3UHVV781(PuTUNEDQGVWDUWIUHTXHQF\DSSHDUV
 ,IGHVLUHG\RXFDQFKDQJHWKHVWDUWIUHTXHQF\7RFKDQJHWKHVWDUWIUHTXHQF\HQWHUIUHTXHQF\ZLWKQXPHU
DONH\VWKHQSUHVV(17
 3UHVV36(WRVWDUWWXQHPuGLVDSSHDUV
 7RFKDQJHWKHWXQLQJGLUHFWLRQSUHVVRU
7KHVFDQQHUGLVSOD\VRUDQGVWDUWWXQH
1RWH7RSDXVHWKHWXQHSUHVV36(7RUHVXPHWXQHSUHVV36(DJDLQ
 7RWXQHIRUDQRWKHUDFWLYHIUHTXHQF\SUHVVRU
2QFH\RXILQGLQWHUHVWLQJIUHTXHQFLHVGXULQJWKHWXQH\RXFDQVWRUHWKHPLQWRWKHVFDQQHVFKDQQHOPHPR
ULHV
 7RVWRUHWKHGLVSOD\HGIUHTXHQF\LQWKHFKDQQHOSUHVV(17ZKHQ\RXILQGDIUHTXHQF\7KH&K$QQ(/DS
SHDUVDVHFRQGWKHQWKHEDQNLQGLFDWRUFKDQQHOQXPEHUDSSHDUVDQGIUHTXHQF\RULILWLVYD
FDQWFKDQQHOIODVKHV
 ,I\RXGHVLUHGWRVWRUHWKHRWKHUEDQNSUHVVQXPEHUNH\2UXVH
NH\WRPRYHFKDQQHO
 3UHVV(17WRVWRUHWKHIUHTXHQF\7KHFKDQQHODQGROGIUHTXHQF\IODVKWZLFH,I\RXZDQWWRFDQFHOWKH
RSHUDWLRQSUHVV36(&/($5LQVWHDGRI(17
1RWH,I\RXHQWHUHGDIUHTXHQF\WKDWLVDOUHDG\VWRUHGLQDQRWKHUFKDQQHO-dUPL-GXSOLFDWHDQGWKHORZ
HVWQXPEHUHGFKDQQHOFRQWDLQLQJWKHGXSOLFDWHIUHTXHQF\DSSHDUV,I\RXZDQWWRVWRUHWKHIUHTXHQF\DQ\ZD\
SUHVVFKDQQHOQXPEHUWKHQ(17WRVHOHFWFKDQQHOWKHQ(17DJDLQ<RXFDQWKHQGHOHWHWKHIUHTXHQF\ODWHU
6HH´&OHDULQJD6WRUHG&KDQQHOµRQ3DJH;;
,IWKHUHLVQRHPSW\FKDQQHOLQWKHEDQNCh-FULLDSSHDUVDIWHU\RXSUHVV(177RVWRUHPRUHIUHTXHQFLHV
\RXPXVWFOHDUVRPHFKDQQHOVRU\RXPD\SURJUDPWKHRWKHUEDQN6HH´&OHDULQJD6WRUHG&KDQQHOµRQ3DJH
;;7RFRQWLQXHVHDUFKLQJDIWHUCh-FULLDSSHDUVSUHVV36(&/($5
3DJH
6&$11,1*7+(6725('&+$11(/6
7RVHWWKHVFDQQHUWRFRQWLQXRXVO\VFDQWKURXJKDOOFKDQQHOVZLWKVWRUHGIUHTXHQFLHVVLPSO\SUHVVLQJ6&$1
0$1XQWLOSCANDQGDSSHDUWKHQWKHVFDQQHUEHJLQVWRUDSLGO\VFDQXQWLOLWILQGVDQDFWLYHIUHTXHQF\
,IWKHVFDQQHUILQGVDQDFWLYHIUHTXHQF\LWVWRSVDQGGLVSOD\VWKDWFKDQQHODQGIUHTXHQF\QXPEHUWKHQLWDXWR
PDWLFDOO\EHJLQVVFDQQLQJDJDLQZKHQWKHWUDQVPLVVLRQRQWKDWIUHTXHQF\HQGV
1RWHV
 7RUHYHUVHWKHVFDQQLQJGLUHFWLRQSUHVVRU
 7RVHWWKHVFDQQHUWRUHPDLQRQWKHFXUUHQWFKDQQHOIRUVHFRQGVDIWHUWKHWUDQVPLVVLRQHQGVVHH´'HOD\µ
RQ3DJH;;
 7RVHWWKHVFDQQHUWRUHPDLQRQWKHFXUUHQWFKDQQHOHYHQDIWHUWKHWUDQVPLVVLRQVWRSVSUHVV6&$10$1
DWDQ\WLPHGXULQJWKHWUDQVPLVVLRQVRMANDSSHDUVDQGSCANGLVDSSHDUVVHH´0RQLWRULQJD6WRUHG
&KDQQHOµ
 7RORFNRXWFKDQQHOVVRWKHVFDQQHUGRHVQRWVWRSIRUDWUDQVPLVVLRQRQWKRVHFKDQQHOVVHH´/RFNLQJ2XW
&KDQQHOVRU)UHTXHQFLHVµRQ3DJH;;
7851,1*&+$11(/6725$*(%$1.62))$1'21
&KDQQHOVWRUDJHEDQNV²DUHRQZKHQWKH\KDYHDEDUXQGHUQHDWKWKHPDQGRIIZKHQQREDUDSSHDUV
XQGHUQHDWKWKHP7RWXUQRIIDFKDQQHOVWRUDJHEDQNSUHVVWKHEDQN·VQXPEHUNH\GXULQJVFDQQLQJ7KHEDU
XQGHUWKHEDQN·VQXPEHUGLVDSSHDUV
1RWH7KHVFDQQHUGRHVQRWVFDQDQ\RIWKHFKDQQHOVZLWKLQWKHEDQNV\RXKDYHWXUQHGRII
7RWXUQRQDFKDQQHOVWRUDJHEDQN²GXULQJVFDQQLQJSUHVVWKHEDQN·VQXPEHUNH\$EDUDSSHDUVXQGHU
WKHEDQN·VQXPEHU
1RWHV
 <RXFDQQRWWXUQRIIDOOEDQNV7KHUHPXVWEHDWOHDVWRQHDFWLYHEDQN
 <RXFDQPDQXDOO\VHOHFWDQ\FKDQQHOLQDEDQNHYHQLIWKHEDQNLVWXUQHGRII
 :KHQ\RXWXUQRQDEDQNGXULQJVFDQQLQJWKHVFDQQHUPRYHVWRWKHVHOHFWHGEDQNDQGVFDQVLW
,IQRWUDQVPLVVLRQLVIRXQGWKHVFDQQHUFRQWLQXHVVFDQQLQJWRVFDQWKURXJKDOOVHOHFWHGEDQNV
7KHFXUUHQWEDQNEDULVIODVKHV 7KHEDUXQGHUGLVDSSHDUV
7KHQQH[WEDQNEDULVIODVKHVLI
WKLVEDQNHQWHUVIUHTTXHQF\
3UHVV
3DJH
021,725,1*$6725('&+$11(/
<RXFDQFRQWLQXRXVO\PRQLWRUDVSHFLILFFKDQQHOZLWKRXWVFDQQLQJ7KLVLVXVHIXOLI\RXKHDUDQHPHUJHQF\
WUDQVPLVVLRQRQDFKDQQHODQGGRQRWZDQWWRPLVVDQ\GHWDLOV³HYHQWKRXJKWKHUHPLJKWEHSHULRGVRIVL
OHQFH³RULI\RXVLPSO\ZDQWWRPRQLWRUWKDWFKDQQHO
)ROORZWKHVHVWHSVWRPDQXDOO\VHOHFWDFKDQQHO
 3UHVVLQJ6&$10$1XQWLOMANDSSHDUV
 (QWHUWKHFKDQQHOQXPEHU²
 3UHVV6&$10$1DJDLQ
&/($5,1*$6725('&+$11(/
,I\RXQRORQJHUZDQWDIUHTXHQF\VWRUHGLQDFKDQQHODQG\RXGRQRWZDQWWRUHSODFHWKDWIUHTXHQF\ZLWKD
GLIIHUHQWRQHIROORZWKHVHVWHSVWRFOHDUWKHVWRUHGIUHTXHQF\
 3UHVVLQJ6&$10$1WRVWRSVFDQQLQJ
 7RVHOHFWWKHGHVLUHGFKDQQHOQXPEHUXVHWKHQXPEHUNH\VWRHQWHUWKDWFKDQQHOQXPEHU²
 3UHVV)81&WKHQ(173*0PGMDSSHDUV
 3UHVV)81&WKHQ36(&/($57KHIUHTXHQF\QXPEHUFKDQJHVWR000.0000WRLQGLFDWHWKHFKDQQHOLV
FOHDUHG
 7RFOHDUDQRWKHUFKDQQHOXVHWKHQXPEHUNH\VWRHQWHUWKDWFKDQQHOQXPEHU²WKHQSUHVV)81&
(173*0DJDLQ2UUHSHDWHGO\SUHVVRUXQWLOWKHGHVLUHGFKDQQHOQXPEHUDSSHDUV7KHQUHSHDW
6WHS
3DJH
)05DGLR2SHUDWLRQ
 3UHVV)0UDGLRWRHQWHU)05DGLRPRGHFM radio
FKDQQHOQXPEHUDQGIUHTXHQF\RU000.0000
DSSHDUV
 3UHVV781(WRHQWHUWKH)0UDGLREDQGWXQHPRGH,IWKHVFDQQHUGLVSOD\V3XDWOHIWVLGHWKHVFDQQHU
SDXVHVWKHWXQH3UHVV36(&/($5WRVWDUWWXQH
 ,IWKHVFDQQHUILQG)0EURDGFDVWWKHVFDQQHUVWRSVWXQH
 3UHVV(17WRVWRUHWKHIUHTXHQF\LQWR)0UDGLRFKDQQHO
 7RFRQWLQXHWKHWXQHSUHVVRU
 3UHVV6&$10$1WRVFDQRUPDQXDOO\VHOHFWRSHUDWLRQWKH)0UDGLRFKDQQHOV,IMANDSSHDUVRQWKH
GLVSOD\WKHVFDQQHUHQWHUVPDQXDOPRGH,ISCANDSSHDUVRQWKHGLVSOD\WKHVFDQQHUHQWHUVVFDQPRGH
1RWH,IAL CH L-outDSSHDUVRQWKHGLVSOD\WKHVFDQQHUGRHVQRWVFDQVRWKHDOO)0FKDQQHOLVHPSW\
3URJUDP)0VWDWLRQ·VIUHTXHQF\LQWR)0UDGLRFKDQQHOV
 3UHVVRUWRDGYDQFHRUUHWXUQWKHQH[WFKDQQHOPDQXDOPRGHRUWRFRQWLQXHVFDQVFDQPRGH
3UHVV781(
781(
36(
&/($5
3UHVV36(WR
VWDUWWXQH
7KHVFDQQHUVWRSVWXQHLIWKHVFDQQHU
ILQGWKHEURDGFDVWLQJVWDWLRQ
3DJH
/,67(1,1*727+(0$5,1(%$1'
7ROLVWHQWRWKHPDULQHEDQGSUHVV)81&WKHQSUHVV0$5MArDSSHDUVDERXWVHFRQGVWKHQWKHVFDQ
QHUVWDUWVVHDUFKLQJIURPPDULQHFKDQQHO
7RVWRSVHDUFKLQJWKHFKDQQHOVSUHVV36(SRCHGLVDSSHDUVDQGMANDSSHDUV
7RFKDQJHWKHFKDQQHOPDQXDOO\SUHVVRU
7RVHDUFKWKURXJKWKHPDULQHEDQNDJDLQSUHVV36(MANGLVDSSHDUVDQGSRCHDSSHDUV7RFKDQJHWKH
VHDUFKLQJGLUHFWLRQSUHVVRU
<RXFDQVHOHFWDPDULQHFKDQQHOGLUHFWO\:KHQWKHVFDQQHUVWRSVVFDQQLQJWKHPDULQHEDQNXVHWKHQXPEHU
NH\VWRHQWHUWKHWZRGLJLWFKDQQHOQXPEHU
1RWH:KLOH0DULQHEDQGVHDUFKORFNRXWIXQFWLRQV6HH´/RFNLQJ2XW0DULQHDQG:;&KDQQHOVµRQ3DJH;;
/,67(1,1*727+(:($7+(5%$1'
7KH)&&)HGHUDO&RPPXQLFDWLRQV&RPPLVVLRQKDVDOORFDWHGFKDQQHOVIRUXVHE\WKH1DWLRQDO2FHDQLFDQG
$WPRVSKHULF$GPLQLVWUDWLRQ12$$5HJXODWRU\DJHQFLHVLQRWKHUFRXQWULHVKDYHDOVRDOORFDWHGFKDQQHOVIRU
XVHE\WKHLUZHDWKHUUHSRUWLQJDXWKRULWLHV
12$$DQG\RXUORFDOZHDWKHUUHSRUWLQJDXWKRULW\EURDGFDVW\RXUORFDOIRUHFDVWDQGUHJLRQDOZHDWKHULQIRUPD
WLRQRQRQHRUPRUHRIWKHVHFKDQQHOV
/LVWHQLQJWRD:HDWKHU&KDQQHO
7RKHDU\RXUORFDOIRUHFDVWDQGUHJLRQDOZHDWKHULQIRUPDWLRQSUHVV:;:($WK(UDSSHDUVIRUDERXWVHF
RQGVWKHQWKHVFDQQHUVWDUWVVHDUFKLQJWKHZHDWKHUEDQN
3UHVV:;
:;
$ERXWVHFRQGV
DIWHUWKH
VFDQQHUVWDUWV
ZHDWKHUFKDQQHO
VHDUFK
3DJH
7RVWRSVHDUFKLQJWKHFKDQQHOVSUHVV36(SRCHGLVDSSHDUVDQGMANDSSHDUV
7RFKDQJHWKHFKDQQHOPDQXDOO\SUHVVRU
7RVHDUFKWKURXJKWKHZHDWKHUEDQNDJDLQSUHVV36(MANGLVDSSHDUVDQGSRCHDSSHDUV7RFKDQJHWKH
VHDUFKLQJGLUHFWLRQSUHVVRU
6$0(6WDQGE\0RGH
7KH1DWLRQDO:HDWKHU6HUYLFHSUHFHGHVHDFKZHDWKHUDOHUWZLWKDGLJLWDOO\HQFRGHG6$0(6SHFLILF$UHD0HV
VDJH(QFRGLQJVLJQDOWKHQD+]WRQH7KH6$0(VLJQDOLQFOXGHVD),36)HGHUDO,QIRUPDWLRQ3URFHVV
LQJ6WDQGDUGDUHDFRGHDQGDQHYHQWFRGHWKDWFRUUHVSRQGVZLWKWKHW\SHRIDOHUWEHLQJVHQW<RXFDQFRQ
ILJXUH\RXUVFDQQHUWRRSHUDWHLQ6$0(6WDQGE\PRGHZKHUHLWPRQLWRUVDVHOHFWHGZHDWKHUUDGLRVWDWLRQIRU
6$0(DOHUWVIRUDUHDV\RXVSHFLI\<RXFDQSURJUDP\RXUVFDQQHUZLWKXSWR),36FRGHVIRUWKHDUHDV\RX
GHVLUH7KH1DWLRQDO:HDWKHU6HUYLFHPDLQWDLQVDFXUUHQWOLVWRI),36FRGHVDWKWWSZZZQZVQRDDJRYQZU
7RFRQILJXUH\RXUVFDQQHUIRU6$0(6WDQGE\PRGHIROORZWKHVHVWHSV
 3UHVV:;
 3UHVV)81&WKHQ(173*0WRDFFHVVWKH),36FRGHHQWU\WDEOH
 8VHRUNH\VWRVHOHFWWKHGHVLUHG),36FRGHVWRUDJHORFDWLRQ
 8VHWKHQXPEHUNH\VWRHQWHUWKHGHVLUHG),36FRGHDQGWKHQSUHVV(17WRVWRUHWKHFRGH5HSHDWWKLV
SURFHVVIRUDOOWKH),36FRGHVWKDW\RXZLVKWRVWRUH
 3UHVV/287WRORFNRXWRUHQDEOHVSHFLILF),36HQWULHV
 3UHVV:;WRH[LWWKH),36FRGHHQWU\WDEOH
)LSVFRGHFKDQQHO)WR)
/RFNRXW2Q2II
,I)LSVFRGHLVHPSW\
No CodEDSSHDUV
3DJH
1RWHV
 <RXUVFDQQHUFDQDOVRGHWHFWWKH+]ZHDWKHUDOHUWWRQHZKHQDZHDWKHUFKDQQHOLVVHWDVWKHSULRULW\
FKDQQHODQGZHDWKHUSULRULW\RSHUDWLRQLVHQDEOHGVHH´3ULRULW\µ,QWKLVPRGHDOODOHUWVDUHUHFHLYHG),36
VHWWLQJVDUHLJQRUHG
 7KHVFDQQHUVRXQGVDQDOHUWRUEHHSZKHQLWUHFHLYHVWKH6$0(FRGH,I\RXGRQRWVWRSWKHDOHUWRU
EHHSIRUILYHPLQXWHVWKHDOHUWVWRSVDQGWKHVFDQQHUEHHSVHYHU\WHQVHFRQGV,IWKHVFDQQHUUHFHLYHVD
QHZPHVVDJHDIWHUILYHPLQXWHVLWVRXQGVWKHDOHUWRUEHHS7RVWRSWKHVRXQGDQGUHDG\WKHVFDQQHUWR
UHFHLYHDQHZDOHUWVLJQDOEHIRUHWKHILYHPLQXWHWLPHRXWSUHVVDQ\NH\H[FHSW/,7
 ,IFDSSHDUVDWWKHOHIWRIFKDQQHOQXPEHUWKHVFDQQHUPHPRULHV),36FRGH
 3UHVV)81&WKHQ:;ZKLOH:;VFDQVWRSVWRLQLWLDWH6$0(VWDQGE\7KHVFDQQHUZLOOPRQLWRUGLVSOD\HG
ZHDWKHUFKDQQHOVWDWLRQIRUDOHUWVZLWK),36FRGHVWKDWPDWFKWKHFRGHV\RXHQWHUHGLQWKH),36HQWU\
WDEOH7RH[LW6$0(VWDQGE\SUHVV)81&WKHQ:;DJDLQ
6N\ZDUQ
0DQ\DUHDVRIWKHFRXQWU\KDYHDPDWHXUUDGLRUHSHDWHUVWKDWKDYHEHHQGHVLJQDWHGDV´6N\ZDUQµUHSHDWHUV
'XULQJWLPHVRIVHYHUHZHDWKHUWKHVHUHSHDWHUVDUHXVHGWRUHOD\UHSRUWVRIVHYHUHZHDWKHUGLUHFWO\WRPHWHRU
RORJLVWVDWDORFDO1DWLRQDO:HDWKHU6HUYLFH1:6IRUHFDVWRIILFH8VLQJWKH6N\ZDUQIHDWXUHLQ\RXUVFDQQHU
\RXFDQHDVLO\MXPSWR6N\ZDUQUHSHDWHUIUHTXHQFLHVDQGPRQLWRUWKHVHUHSRUWVLQPDQ\FDVHVKHDULQJDERXW
VHYHUHZHDWKHULQ\RXUDUHDLQVWDQWO\DVLWRFFXUV
7KLVIXQFWLRQOHWV\RXTXLFNO\PRYHWRWKHVN\ZDUQFKDQQHOV%DQN&KDQQHOIURPDQ\PRGHE\SUHVVLQJ
DQGKROGLQJ:;DERXWVHFRQGV7KHVFDQQHUGLVSOD\V
1RWH7RDFWLYDWHWKLVIXQFWLRQ\RXPXVWSURJUDP\RXUGHVLUHG6N\ZDUQIUHTXHQF\LQWRWKH6N\ZDUQFKDQQHO
3DJH
6SHFWUXP6ZHHSHU
<RXUVFDQQHU·V6SHFWUXP6ZHHSHUIHDWXUHSURYLGHVDSRZHUIXOQHZWRROIRU\RXWRUDSLGO\GHWHFWPRQLWRUDQG
VWRUHIUHTXHQFLHVIRUQHDUE\UDGLRWUDQVPLVVLRQV7KH6SHFWUXP6ZHHSHUIHDWXUHLVVLPLODULQIXQFWLRQDOLW\WR
SRUWDEOHIUHTXHQF\FRXQWHUVWKDWFRVWPXFKPRUHWKDQ\RXUVFDQQHUEXWSURYLGHVPDQ\DGYDQWDJHVRYHUW\SL
FDOSRUWDEOHIUHTXHQF\FRXQWHUV)RUH[DPSOH
7KH6SHFWUXP6ZHHSHUDOORZV\RXWRVZHHSWKHHQWLUHUDQJHRI\RXUVFDQQHU·VGHVLJQIUHTXHQFLHVRU\RXFDQ
VSHFLI\WKRVHIUHTXHQF\UDQJHVWKDW\RXZLVKWRVZHHSDQGH[FOXGHUDQJHVWKDW\RXGRQRWZDQWWRVZHHS
7KLVDOORZV\RXWRRPLWIUHTXHQF\UDQJHVZLWKFRQVWDQWVWURQJIUHTXHQF\DFWLYLW\VXFKDVWKRVHZLWKSDJLQJ
RUEURDGFDVWWUDQVPLWWHUV0DQ\SRUWDEOHIUHTXHQF\FRXQWHUVZLOOUHPDLQORFNHGWRDQHDUE\FRQVWDQWVLJQDO
VXFKDVDSDJLQJRUEURDGFDVWWUDQVPLWWHUDQGZLOOQRWIXQFWLRQSURSHUO\XQWLO\RXKDYHOHIWWKHYLFLQLW\RIWKH
WUDQVPLWWHU
7KH6SHFWUXP6ZHHSHUIHDWXUHLVPRUHVHQVLWLYHWKDQSRUWDEOHIUHTXHQF\FRXQWHUVDQGZLOOGHWHFWWUDQVPLV
VLRQVDWDJUHDWHUGLVWDQFH<RXFDQDFWLYDWHWKH$WWHQXDWRUWRUHGXFHWKHVHQVLWLYLW\LIGHVLUHG
2QFHDQDFWLYHIUHTXHQF\LVIRXQGWKHWUDQVPLVVLRQLVSOD\HGWKURXJK\RXUVFDQQHU·VVSHDNHUDQG\RXFDQ
TXLFNO\VWRUHLWLQDQ\RI\RXUVFDQQHU·VPHPRU\ORFDWLRQV
8VLQJ6SHFWUXP6ZHHSHU
7KH6SHFWUXP6ZHHSHUFDQEHVHWWRZDWFKIRUDFWLYLW\RQDOOEDQG3ROLFH)LUH$LUFUDIWRU+DPIUHTXHQFLHV
:KHQWKHVFDQQHULVLQPDQXDOVFDQRUWXQHPRGHSUHVVWRZDWFKIRUDFWLYLW\RQDOOEDQG:KHQWKHVFDQ
QHULVLQ3ROLFH)LUHVHDUFKEDQGSUHVVWRZDWFKIRUDFWLYLW\RQ3ROLFH)LUHEDQG:KHQWKHVFDQQHULVLQ
$LUFUDIWEDQGSUHVVWRZDWFKIRUDFWLYLW\RQ$LUFUDIWEDQG:KHQWKHVFDQQHULVLQ+DPEDQGSUHVVWR
ZDWFKIRUDFWLYLW\RQ+DPEDQG
<RXFDQDOVRWXUQRQRIIIUHTXHQF\VXEEDQGVXVLQJWKHFRUUHVSRQGLQJQXPEHUNH\VZKLOH6SHFWUXP6ZHHSHU
LVDFWLYH
1RWH3ULRULW\PRGHLVQRWDYDLODEOHZKLOHXVLQJWKH6SHFWUXP6ZHHSHU
3DJH
63(&,$/)($785(6
8VLQJ&7&66DQG'&6
&7&66DQG'&6DOORZ\RXWRSURJUDPIUHTXHQFLHVLQWR\RXUVFDQQHUWKDWDUHXVHGE\PRUHWKDQRQHJURXS
LQ\RXUDUHDDQGOLVWHQRQO\WRWKHJURXSWKDWLVRILQWHUHVWWR\RXE\VSHFLI\LQJWKHJURXS·VVSHFLILF&7&66RU
'&6FRGH&7&66DQG'&6FDQDOVRKHOSUHGXFHLQVWDQFHVZKHUHLQWHUIHULQJVLJQDOVFDXVH\RXUVFDQQHUWR
VWRSRQRQHFKDQQHO
1RWH$0PRGH·VIUHTXHQF\UDQJHH[$LUEDQG0+]HWFWKLVIXQFWLRQFDQQRW
EHXVHG
6HDUFKLQJ&7&66'&6FRGH
3UHVV&''&WRVHDUFK&7&66RU'&6FRGH
&7&66DQG'&6LFRQDVIROORZV
,FRQ &7 '&
6HDUFKLQJERWKFRGHV IODVK IODVK
6HDUFKLQJ&7&66FRGH IODVK QRQH
6HDUFKLQJ'&6FRGH QRQH IODVK
'HFRGHWKH&7&66 GLVSOD\V QRQH
'HFRGHWKH'&6 QRQH GHLSOD\V
3UHVV&7'&DJDLQWKHVFDQQHUVHDUFKWKH&7&66FRGHCTIOXVKHVZKLOHVHDUFKWKHFRGH
3UHVV&7'&WLPHVWKHVFDQQHUVHDUFKWKH'&6FRGHDCIODVKHVZKLOHVHDUFKWKHFRGH
3UHVV&7'&WLPHVWKHVFDQQHUUHWXUQVQRUPDORSHUDWLRQDCGLVDSSHDUV
,I\RXZDQWWRFRQILUPWKHGHFRGHG&7&66'&6FRGHSUHVV)81&WKHQ&7'&3UHVV36(&/($5WRFDQFHO
WKHFRQILUPDWLRQDQGEDFNWR&7&66'&6VHDUFK
1RWH,I\RXVHDUFKWXQHWKHIUHTXHQFLHVFRYHULQJWKH$0PRGH&7&66'&6VHWWLQJLVWXUQHGRII
3DJH
3URJUDPPLQJ&7&66'&6&RGH6HDUFK6HWWLQJLQWR&KDQQHO0HPRU\
 0DQXDOO\VHOHFWWKHFKDQQHOZKHQ\RXSURJUDPWKHFRGHWKHQSUHVV)81&(173*0
 3UHVV&7'&Ct dC-SrchDSSHDUVDQGCT
DCIODVKHV3UHVV(17WRVWRUH&7&66'&6FRGHVHDUFK
VHWWLQJLQWRWKLVFKDQQHO
 3UHVV&7'&DJDLQCt-SrchDSSHDUVDQGCTIODVKHV3UHVV(17WRVWRUH&7&66FRGHVHDUFKVHWWLQJ
LQWRWKLVFKDQQHO
 3UHVV&7'&WLPHVdC-SrchDSSHDUVDQGDCIODVKHV3UHVV(17WRVWRUH'&6FRGHVHDUFKVHWWLQJ
LQWRWKLVFKDQQHO
 3UHVV&7'&WLPHVCt dC-OFFDSSHDUV3UHVV(17WRFOHDUWKH&7&66'&6FRGHVHDUFKVHWWLQJ
,IWKHVFDQQHUGHFRGHWKHFRGHSUHVV)81&WKHQSUHVV&7'&WRVKRZWKHGHFRGHGFRGHQXPEHU,I\RX
SURJUDPWKLVFRGHSUHVV)81&WKHQSUHVV(177KHFRGHGLVSOD\VZLWK-S
WKHFRGHGRHVQRWHQWHUHG&7&
66'&6PHPRU\7KHFRGHGLVSOD\VZLWKRXW-S
WKHFRGHHQWHUHG&7&66'&6PHPRU\
1RWH7KLVVFDQQHUFDQVWRUHRQO\RQHFRGHWRRQHFKDQQHO
&7'& 3UHVV&7'&
3UHVV(17
(17
3*0
Ct dC-SrchIODVKHVWZLFH
7KH&7&66'&6FRGHVHDUFKVHWWLQJ
LVSURJUDPPHGLQWRWKLVFKDQQHOCT
DQGDCLFRQVDUHIODVKHV
3DJH
3URJUDPPLQJ&7&66'&6&RGHLQWR&KDQQHO0HPRU\
 0DQXDOO\VHOHFWWKHFKDQQHOZKHQ\RXSURJUDPWKHFRGHWKHQSUHVV)81&(173*0
 3UHVV&7'&WZRWLPHVCt-SrchDSSHDUVDQGCTIODVKHV3UHVVRUWRVHOHFW&7&66FRGHWKHQ
SUHVV(17WRVWRUH&7&66FRGHLQWRWKLVFKDQQHO
 3UHVV&7'&WKUHHWLPHVdC-SrchDSSHDUVDQGDCIODVKHV3UHVVRUWRVHOHFW'&6FRGHWKHQ
SUHVV(17WRVWRUH'&6FRGHLQWRWKLVFKDQQHO
 3UHVV&7'&WLPHVCt dC-OFFDSSHDUV3UHVV(17WRFOHDUWKH&7&66'&6VHWWLQJ
1RWH7KLVVFDQQHUFDQVWRUHRQO\RQHFRGHWRRQHFKDQQHO
'(/$<
0DQ\DJHQFLHVXVHDWZRZD\UDGLRV\VWHPWKDWKDVDSHULRGRIVHYHUDOVHFRQGVEHWZHHQDTXHU\DQGDUH
SO\7RDYRLGPLVVLQJDUHSO\\RXFDQSURJUDPDVHFRQGGHOD\LQWRDQ\FKDQQHORUIUHTXHQF\:KHQ\RXU
VFDQQHUVWRSVRQDFKDQQHORUIUHTXHQF\ZLWKDSURJUDPPHGGHOD\DLYDSSHDUVDQGWKHVFDQQHUFRQWLQXHV
WRPRQLWRUWKDWFKDQQHORUIUHTXHQF\IRUVHFRQGVDIWHUWKHWUDQVPLVVLRQVWRSVEHIRUHUHVXPLQJVFDQQLQJ
VHDUFKLQJWXQLQJRUVSHFWUXPVZHHSLQJ
<RXFDQSURJUDPDVHFRQGGHOD\LQDQ\RIWKHVHZD\V
 ,IWKHVFDQQHULVVFDQQLQJDQGVWRSVRQDQDFWLYHFKDQQHOTXLFNO\SUHVV'/<EHIRUHLWUHVXPHVVFDQ
QLQJ
 ,IWKHGHVLUHGFKDQQHOLVQRWVHOHFWHGPDQXDOO\VHOHFWWKHFKDQQHOWKHQSUHVV'/<
 ,IWKHVFDQQHULVVHDUFKLQJWXQLQJRUVSHFWUXPVZHHSLQJSUHVV'/<DLYDSSHDUVDQGWKHVFDQQHU
DXWRPDWLFDOO\DGGVDVHFRQGGHOD\WRHYHU\WUDQVPLVVLRQLWVWRSVRQLQWKDWEDQG
7RWXUQRIIWKHVHFRQGGHOD\LQDFKDQQHORUIRUDOOIUHTXHQF\SUHVV'/<ZKLOHWKHVFDQQHULVPRQLWRULQJ
WKDWFKDQQHORUIUHTXHQF\DLYGLVDSSHDUV
3DJH
/2&.,1*287&+$11(/625)5(48(1&,(6
<RXFDQLQFUHDVHWKHHIIHFWLYHVFDQQLQJRUVHDUFKVSHHGE\ORFNLQJRXWLQGLYLGXDOFKDQQHOVRUIUHTXHQFLHV
WKDWKDYHDFRQWLQXRXVWUDQVPLVVLRQVXFKDVDZHDWKHUFKDQQHOVHH´1DWLRQDO:HDWKHU)UHTXHQFLHVµRQ
3DJH;;RUDELUGLHIUHTXHQF\VHH´%LUGLH)UHTXHQFLHVµRQ3DJH;;
/RFNLQJ2XW&KDQQHOV
7RORFNRXWDFKDQQHOGXULQJVFDQQLQJSUHVV/2/259:ZKHQWKHVFDQQHUVWRSVRQWKHFKDQQHO
7RPDQXDOO\ORFNRXWDFKDQQHOVHOHFWWKHFKDQQHOWKHQSUHVV/2/259:XQWLOL/ODSSHDUV
7RUHPRYHWKHORFNRXWIURPDFKDQQHOPDQXDOO\VHOHFWWKDWFKDQQHODJDLQWKHQSUHVV/2/259:XQWLOL/
OGLVDSSHDUV
1RWHV
 <RXUVFDQQHUDXWRPDWLFDOO\ORFNVRXWHPSW\FKDQQHOV
 <RXFDQVWLOOPDQXDOO\VHOHFWORFNHGRXWFKDQQHOV
/RFNLQJ2XW0DULQHDQG:;&KDQQHOV
7RORFNRXWD0DULQHRU:;FKDQQHOGXULQJVHDUFKLQJSUHVV/2ZKHQWKHVFDQQHUVWRSVRQWKHFKDQQHO
7RPDQXDOO\ORFNRXWD0DULQHRU:;FKDQQHOVHOHFWWKHFKDQQHOWKHQSUHVV/2
7RUHPRYHWKHORFNRXWIURPD0DULQHRU:;FKDQQHOPDQXDOO\VHOHFWWKDWFKDQQHODJDLQWKHQSUHVV/2XQWLO
L/OGLVDSSHDUV
/RFNLQJ2XW)UHTXHQFLHV
7RORFNRXWDIUHTXHQF\GXULQJDVHUYLFHVHDUFK$LUFUDIW3ROLFH)LUH$PDWHXURU/LPLWEDQGWXQHRUVSHF
WUXPVZHHSHUSUHVV/2/259:ZKHQWKHVFDQQHUVWRSVRQWKDWIUHTXHQF\7KHVFDQQHUORFNVRXWWKHIUH
TXHQF\WKHQFRQWLQXHVVHDUFKLQJVZHHSLQJ
1RWHV
 <RXFDQORFNRXWDVPDQ\DVIUHTXHQFLHVGXULQJDVHDUFKWXQHVSHFWUXPVZHHSLQ)0UDGLRPRGH
\RXFDQORFNRXWDVPDQ\DVIUHTXHQFLHV,I\RXWU\WRORFNRXWPRUHLo -FULLDSSHDUVVHH´5H
YLHZLQJ/RFNHG2XW)UHTXHQFLHVµDQG´5HPRYLQJ/RFNRXWV)URP$OO)UHTXHQFLHVµ
 7KHVFDQQHUXVHVVDPH/RFNRXW/LVWEHWZHHQVHUYLFHVHDUFKEDQGWXQHDQGVSHFWUXPVZHHSHUH[WKH
VFDQQHUXVHVVDPHORFNRXWOLVWEHWZHHQDLUFUDIWVHDUFKEDQGDQGDLUFUDIWVSHFWUXPVZHHSHUEDQG
3DJH
5HYLHZLQJ/RFNHG2XW)UHTXHQFLHV
7RUHYLHZWKHIUHTXHQFLHV\RXORFNHGRXWKROGGRZQ/2/259:IRUDERXWVHFRQGVGXULQJDVHDUFKWXQH
RUVSHFWUXPVZHHSHUWKHQUHSHDWHGO\SUHVVRU
Lr/RFNRXW5HYLHZDSSHDUVDQGWKHVFDQQHUGLVSOD\V
DOOORFNHGRXWIUHTXHQFLHVDV\RXSUHVVRU
RUEMPtyDSSHDUVZKHQWKHVHDUFKEDQNKDVQRORFNHGRXW
IUHTXHQFLHV:KHQ\RXUHDFKWKHKLJKHVWORFNHGRXWIUHTXHQF\WKHVFDQQHUEHHSVWZLFHDQGUHWXUQVWRWKH
ORZHVWORFNHGRXWIUHTXHQF\
5HPRYLQJ/RFNRXWV)RUP$OO)UHTXHQFLHV
1RWH7KHVHVWHSVGRQRWFOHDUDQ\ORFNRXWVLQWKHPDULQHDQGZHDWKHUEDQN
 3UHVV)81&WKHQSUHVV/2ZKLOHVHDUFKWXQHVSHFWUXPVZHHSHULrDSSHDUV
 3UHVV)81&WKHQ&/($536(WRFOHDUWKHORFNRXWLo ALL C/DSSHDUV$IWHUDVHFRQGYES Ent
DQGNo CLrDSSHDUVDOWHUQDWHO\
 3UHVV(17Lr EMPtyDSSHDUV7KHVFDQQHUFOHDUVDQ\ORFNRXWVIURPDOOIUHTXHQFLHVLQDVHUYLFHEDQG
2ULI\RXGRQRWZDQWWRFOHDUWKHORFNRXWVSUHVV36(&/($53UHVV)81&WKHQ/2WRUHWXUQWRSUHYLRXV
PRGH
86,1*35,25,7<
7KHSULRULW\IHDWXUHOHWV\RXVFDQWKURXJKFKDQQHOVDQGVWLOOQRWPLVVLPSRUWDQWRULQWHUHVWLQJFDOOVRQDIUH
TXHQF\\RXVHOHFW<RXFDQSURJUDPRQHIUHTXHQF\LQWRWKHSULRULW\FKDQQHO$VWKHVFDQQHUVFDQVLIWKHSUL
RULW\IHDWXUHLVWXUQHGRQWKHVFDQQHUFKHFNVWKHSULRULW\FKDQQHOIRUDFWLYLW\HYHU\VHFRQGV
 3UHVV)81&WKHQ(173*0WKHQSUHVV)81&35,781(3&+DQGRUWKHSUHYLRXVO\VWRUHGIUH
TXHQF\DSSHDU
 (QWHUWKHIUHTXHQF\\RXZDQWWRHQWHULQWRWKHSULRULW\FKDQQHOWKHQSUHVV(17
3DJH
7RSURJUDPDZHDWKHUFKDQQHODVWKHSULRULW\FKDQQHO
 3UHVV:;
 6HOHFWWKHZHDWKHUFKDQQHO\RXZDQWWRSURJUDPDVWKHSULRULW\FKDQQHO
 3UHVV(173&KIODVKHVDQGSUHYLRXVO\VWRUHGIUHTXHQF\GLVSOD\V
 3UHVV(17DJDLQWRVWRUHWKHSULRULW\FKDQQHODQGGLVSOD\EOLQNVWZRWLPHV3UHVV36(&/($5WRFDQFHO
7RWXUQRQWKHSULRULW\IHDWXUHSUHVV)81&WKHQ35,781(GXULQJVFDQQLQJRUVHDUFKLQJ35,DSSHDUV7KH
VFDQQHUFKHFNVWKHSULRULW\FKDQQHOHYHU\VHFRQGVDQGVWD\VRQWKHFKDQQHOLIWKHUHLVDFWLYLW\3&+DQGWKH
IUHTXHQF\DSSHDUZKHQHYHUWKHVFDQQHULVVHWWRWKHSULRULW\FKDQQHO
7RWXUQRIIWKHSULRULW\IHDWXUHSUHVV)81&WKHQ35,781(35,GLVDSSHDUV
1RWH,I\RXSURJUDPDZHDWKHUIUHTXHQF\LQWRWKHSULRULW\FKDQQHODQGWKHVFDQQHUGHWHFWVD:;DOHUWWRQHRQ
WKDWIUHTXHQF\VHH´:;$OHUWµRQ3DJH;;WKHVFDQQHUVRXQGVWKHDOHUWWRQHDQG$/(UWIODVKHV3UHVVDQ\
NH\WRWXUQRIIWKHDODUP
8VLQJ$WWHQXDWRU
7RUHGXFHLQWHUIHUHQFHRUQRLVHFDXVHGE\VWURQJVLJQDOV\RXFDQUHGXFHWKHVFDQQHU·VVHQVLWLYLW\WRWKHVH
VLJQDOV
3UHVV)81&WKHQSUHVV$77WRWXUQRQRURIIWKHDWWHQXDWRUZKLOHWKHFKDQQHOQXPEHULVLQGLFDWHGRUZKLOH
WKHVFDQQHULVVHDUFKLQJWXQLQJ:KHQWKHDWWHQXDWRULVRQ$77DSSHDUV
:KHQ\RXWXUQLWRII$77GLVDSSHDUV<RXFDQQRWVHWWKHDWWHQXDWRUZKLOHWKHVFDQQHUVFDQQLQJ
1RWH,I\RXWXUQRQWKHDWWHQXDWRUWKHVFDQQHUPLJKWQRWUHFHLYHZHDNVLJQDOV
86,1*7+(',63/$<%$&./,*+7
<RXFDQWXUQRQWKHGLVSOD\·VEDFNOLJKWIRUHDV\YLHZLQJLQWKHGDUN3UHVVOLJKWNH\V\PEROWRWXUQRQWKH
OLJKWIRUVHFRQGV7RWXUQRIIWKHOLJKWVRRQHUSUHVVOLJKWNH\V\PERODJDLQ
3UHVVDQGKROGOLJKWNH\V\PEROWRWXUQRQWKHGLVSOD\·VEDFNOLJKWIRUDQH[WHQGHGSHULRGRIWLPH7RWXUQLW
RIISUHVVOLJKWNH\V\PERO
3DJH
7851,1*7+(.(<721(21$1'2))
7KHVFDQQHULVSUHVHWWRVRXQGDWRQHHDFKWLPH\RXSUHVVRQHRILWVNH\VH[FHSWOLJKWNH\V\PERO<RXFDQ
WXUQWKHNH\WRQHRIIRUEDFNRQ
 ,IWKHVFDQQHULVRQWXUQ2))92/80(FRXQWHUFORFNZLVHXQWLOLWFOLFNVWRWXUQLWRII
 7XUQ2))92/80(FORFNZLVHWRWXUQWKHVFDQQHURQ:HOFRPHPHVVDJHDSSHDUV
 :KLOH:HOFRPHPHVVDJHDSSHDUVSUHVVWRWXUQRQWKHNH\WRQHRUWRWXUQLWRII
86,1*7+(.(</2&.
2QFH\RXSURJUDP\RXUVFDQQHU\RXFDQSURWHFWLWIURPDFFLGHQWDOSURJUDPFKDQJHVE\WXUQLQJRQWKHNH\
ORFNIHDWXUH:KHQWKHNH\SDGLVORFNHGWKHRQO\FRQWUROVWKDWRSHUDWHDUH/,*+792/80(DQG648(/&+
1RWH7KHNH\ORFNGRHVQRWSUHYHQWWKHVFDQQHUIURPVFDQQLQJFKDQQHOVRUPRQLWRULQJDVLQJOHFKDQQHO
ZKLFKHYHUIHDWXUH\RXODVWVHOHFWHG
7RWXUQRQWKHNH\ORFNSUHVV)81&WKHQ.H\6\PEROVR.H\6\PERODSSHDUV7RWXUQLWRIISUHVV)81&
WKHQ.H\6\PERODJDLQVR.H\6\PEROGLVDSSHDUV
&ORQLQJWKH3URJUDPPHG'DWD
<RXFDQWUDQVIHUWKHSURJUDPPHGGDWDWRDQGIURPDQRWKHU365VFDQQHUXVLQJDQRSWLRQDOFRQQHFWLQJ
FDEOHZLWKPPSKRQHSOXJVRQERWKHQGVQRWVXSSOLHG
 7XUQRQERWKVFDQQHU
 3UHVV)81&WKHQ&/21(WRHQWHUWKHFORQHPRGH&/2Q(DQG8SWR6(QGDSSHDUVDOWHUQDWHO\
 &RQQHFWWKHFRQQHFWLQJFDEOHWRHDFKVFDQQHV3&,)MDFN
 3UHVVADWWKHKRVWVFDQQHU
 6(QG,Q*DSSHDUVDWWKHKRVWVFDQQHU
7KHVFDQQHUVHQGVWKHGDWD7RH[LWWKHFORQHPRGHUHPRYHWKHFDEOH
&/2Q(DQG(UURUPD\DOWHUQDWHO\DSSHDUZKHQWKHVFDQQHUUHFHLYHVGDWDIURPDVFDQQHURWKHUWKDQD365
,IWKLVKDSSHQVZKHQWKHVFDQQHUUHFHLYHVGDWDIURPDQRWKHU365WXUQRIIWKHVFDQQHUDQGWKHQWXUQ
LWRQDJDLQ
3DJH
,1,7,$/,=,1*7+(6&$11(5
,IWKHVFDQQHU·VGLVSOD\ORFNVXSRUGRHVQRWZRUNSURSHUO\DIWHU\RXFRQQHFWDSRZHUVRXUFH\RXPLJKWQHHG
WRLQLWLDOL]HWKHVFDQQHU
,PSRUWDQW7KLVSURFHGXUHFOHDUVDOOLQIRUPDWLRQ\RXVWRUHGLQWKHVFDQQHU·VPHPRU\,QLWLDOL]HWKHVFDQQHU
RQO\ZKHQ\RXDUHVXUHWKHVFDQQHULVQRWZRUNLQJSURSHUO\
 7XUQRIIWKHVFDQQHUWKHQWXUQLWRQDJDLQ:(/&20(3656F$QQ(UDSSHDUV
 3UHVVZKLOHZHOFRPHPHVVDJH7KHQSUHVV,Q,W,$/DSSHDUVDERXWVHFRQGV$IWHUVHFRQGV<(6
(QWDQG1R&/($UDSSHDUVDOWHUQDWHO\
 3UHVV(17:$,WDSSHDUVIRUDERXWVHFRQGV
1RWH'RQRWWXUQRIIWKHVFDQQHUXQWLOWKHLQLWLDOL]DWLRQLVFRPSOHWH:KHQWKHLQLWLDOL]DWLRQLVFRPSOHWH&+
DSSHDUVRQWKHGLVSOD\
3DJH
)$4V)UHTXHQWO\$VNHG4XHVWLRQV
7KHVFDQQHULVQRWZRUNLQJDWDOO:KDW·VZURQJ"
 7KH$&RU'&DGDSWRUPLJKWQRWEHFRQQHFWHG%HVXUHWKHDGDSWRU·VEDUUHOSOXJLVIXOO\LQVHUWHGLQWRWKH
3:5'&9MDFN7KHFHQWHUWLSRIWKHDGDSWRU·VEDUUHOSOXJPXVWEHVHWWRSRVLWLYH
 7KHEDWWHULHVPLJKWEHGHDGRUQHHGWREHUHFKDUJHG5HFKDUJHWKHUHFKDUJHDEOHEDWWHULHVRUUHSODFHWKH
DONDOLQHEDWWHULHV
7KHVFDQQHUGRHVQRWUHFHLYHDQ\VWDWLRQVRUUHFHSWLRQLVSRRU:KDW·VZURQJ"
 7KHVFDQQHUUHFHLYHVZHDNVLJQDOVIURPGLVWDQWVWDWLRQV5HSRVLWLRQUDGLRIRUEHVWUHFHSWLRQ
 $WWHQXDWRULQXVHRQZHDNVLJQDO&KHFNSHUIRUPDQFHZLWKDQGZLWKRXWDWWHQXDWRUDFWLYDWHGXVHVHWWLQJ
ZLWKEHVWUHFHSWLRQ
 /RRVHRUGHIHFWLYHDQWHQQD,QVSHFWDQWHQQDDQGFRQQHFWRUVDQGFRUUHFWDQ\SUREOHPVIRXQG
 7KHVFDQQHUPLJKWQHHGWREHLQLWLDOL]HG7XUQWKHVFDQQHURIIWKHQRQDJDLQRULQLWLDOL]HWKHVFDQQHUVHH
´,QLWLDOL]LQJWKH6FDQQHUµ
7KHVFDQQHULVRQEXWGRHVQRWVFDQ:KDW·VZURQJ"
 3UHVV64212))VZLWFKXQWLO6DSSHDUV
 7KHUHPLJKWRQO\EHRQHFKDQQHORUQRFKDQQHOVVWRUHGLQWKHVFDQQHU6WRUHIUHTXHQFLHVLQWRPRUHWKDQ
RQHFKDQQHO
:KLOHVFDQQLQJWKHVFDQQHUORFNVRQIUHTXHQFLHVWKDWKDYHDQXQFOHDUWUDQVPLVVLRQ:KDW·VZURQJ"
 6RPHIUHTXHQFLHVSURJUDPPHGLQWRWKHVFDQQHUPLJKWEHWKHVDPHDV´ELUGLHµIUHTXHQFLHV$YRLGSUR
JUDPPLQJ´%LUGLH)UHTXHQFLHVµRURQO\OLVWHQWRWKHPPDQXDOO\
7KHNH\SDGGRHVQRWZRUN
 7KHNH\SDGPD\EHORFNHG3UHVV)81&WKHQ.(<WRXQORFN
 7KHVFDQQHUPLJKWQHHGWREHLQLWLDOL]HG7XUQWKHVFDQQHURIIWKHQRQDJDLQRULQLWLDOL]HWKHVFDQQHUVHH
´,QLWLDOL]LQJWKH6FDQQHUµ
3DJH
%LUGLH)UHTXHQFLHV
(YHU\VFDQQHUKDVELUGLHIUHTXHQFLHV%LUGLHVDUHVLJQDOVFUHDWHGLQVLGHWKHVFDQQHU·VUHFHLYHU7KHVHRSHUDW
LQJIUHTXHQFLHVPLJKWLQWHUIHUHZLWKWUDQVPLVVLRQVRQWKHVDPHIUHTXHQFLHV,I\RXSURJUDPRQHRIWKHVHIUH
TXHQFLHV\RXKHDURQO\QRLVHRQWKDWIUHTXHQF\,IWKHLQWHUIHUHQFHLVQRWVHYHUH\RXPLJKWEHDEOHWRVHOHFW
64+,WRFXWRXWWKHELUGLH
7RILQGWKHELUGLHVLQ\RXULQGLYLGXDOVFDQQHUEHJLQE\GLVFRQQHFWLQJWKHDQWHQQDDQGPRYLQJLWDZD\IURP
WKHVFDQQHU0DNHVXUHWKDWQRRWKHUQHDUE\UDGLRRU79VHWVDUHWXUQHGRQQHDUWKHVFDQQHU8VHWKHWXQHRU
VHDUFKIXQFWLRQDQGVHDUFKHYHU\IUHTXHQF\UDQJHIURPLWVORZHVWIUHTXHQF\WRWKHKLJKHVW2FFDVLRQDOO\WKH
VHDUFKLQJZLOOVWRSDVLILWKDGIRXQGDVLJQDORIWHQZLWKRXWDQ\VRXQG7KDWLVDELUGLH0DNHDOLVWRIDOOWKH
ELUGLHVLQ\RXUVFDQQHUIRUIXWXUHUHIHUHQFH
&$5(
.HHSWKHVFDQQHUGU\LILWJHWVZHWZLSHLWGU\LPPHGLDWHO\8VHDQGVWRUHWKHVFDQQHURQO\LQQRUPDOWHPSHU
DWXUHHQYLURQPHQWV+DQGOHWKHVFDQQHUFDUHIXOO\GRQRWGURSLW.HHSWKHVFDQQHUDZD\IURPGXVWDQGGLUW
DQGZLSHLWZLWKDGDPSFORWKRFFDVLRQDOO\WRNHHSLWORRNLQJQHZ
,1&$6(2))$8/7
:KHUHDIDXOWDULVHVFRQWDFW\RXUVXSSOLHU+RZHYHUEHIRUH\RXGRVRFKHFNWKDWWKHIDXOWZDVQRWFDXVHGE\
DQRSHUDWLRQDOHUURU&DUHIXOO\UHUHDGWKHUHOHYDQWVHFWLRQLQWKHLQVWUXFWLRQV
3DJH
63(&,),&$7,216
)UHTXHQF\&RYHUDJH0+]86$
  N+]VWHSV$0
  N+]VWHSV$0
  N+]VWHSV$0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV:)0
  N+]VWHSV$0
  N+]VWHSV)0
  N+]VWHSV$0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  )0
  N+]VWHSV)0
  )0
  N+]VWHSV)0
   )0
   )0
  N+]VWHSV)0
  N+]VWHSV)0
   )0
  N+]VWHSV)0
3DJH
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
)UHTXHQF\&RYHUDJH0+]&DQDGD
  N+]VWHSV$0
  N+]VWHSV$0
  N+]VWHSV$0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV:)0
  N+]VWHSV$0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
  N+]VWHSV)0
3DJH
&KDQQHOVRI2SHUDWLRQ
6FDQQHUPRGH  FKDQQHOV
)0UDGLRPRGH  FKDQQHOV
6HQVLWLYLW\
)0G%6,1$'DW'HYN+]DWN+]
²0+]  X9
²0+]   X9
²0+]  X9
0+]   X9
0+]   X9
$0G%6,1$'DW0RGDWN+]
²0+]   X9
²0+]  X9
²0+]86$2QO\ X9
:)0)0UDGLRG%6,1$'DW'HYN+]DWN+]
0+]  X9
6SXULRXV5HMHFWLRQ)0#0+]G%
6HOHFWLYLW\
$00+] N+] ²G%
N+]  ²G%
2WKHUIUHTXHQF\  N+]  ²G%
N+]  ²G%
)0UDGLR0+] N+]  ²G%
N+] ²G%
6HDUFK6SHHG  8SWR6WHSV6HF
6FDQ6SHHG  8SWR&KDQQHOV6HF
'HOD\7LPH  6HFRQGV
,))UHTXHQFLHV
3DJH
VW,)  0+]
QG,)   0+]
UG,)  N+]
,)5HMHFWLRQ5DWLR0+] G%DW0+]
6TXHOFK6HQVLWLYLW\
646:/R $0)0X9
)0UDGLR X9
646:+L $0 G%
$0)0611 G% )0 G%
)0UDGLR611 G% )0UDGLR G%
$QWHQQD,PSHGDQFH 2KPV
$XGLR2XWSXW3RZHU7+'%7/P:1RPLQDO
%XLOW,Q6SHDNHU ,QFKHVPP2KPV
2SHUDWLQJ7HPSHUDWXUH WR)
²WR&
3RZHU5HTXLUHPHQWV 9ROWV'&$$%DWWHULHV$&$GDSWHU6XSSOLHG'&$GDSWHU2SWLRQDO
&XUUHQW'UDLQ6TXHOFKHG P$
&KDUJLQJ&XUUHQW1L0+%DWWHU\P$K
XVLQJ$&DGDSWHU P$
'LPHQVLRQV+:' [[,QFKHV
[[PP
:HLJKWZLWKRXWDQWHQQD DSSUR[R]
J
6XSSOLHG$FFHVVRULHV$QWHQQD%HOW&OLS
6SHFLILFDWLRQVDUHW\SLFDOLQGLYLGXDOXQLWVPLJKWYDU\6SHFLILFDWLRQVDUHVXEMHFWWRFKDQJHDQGLPSURYHPHQW
ZLWKRXWQRWLFH
*(';;;;3ULQWHGLQ&KLQD

Navigation menu