HTC VIVIDA Dual Band ( Cellular & PCS ) Smartphone User Manual vivida Manual 040317
HTC Corporation Dual Band ( Cellular & PCS ) Smartphone vivida Manual 040317
HTC >
User Manual
6PDUWSKRQH8VHU0DQXDO
&RQWHQWV
6RPHRIWKHFRQWHQWVLQWKLVPDQXDOPD\GLIIHUIURP\RXUSKRQHGHSHQGLQJRQWKHVRIWZDUH
LQVWDOOHG\RXU58,0FDUGRU\RXUVHUYLFHSURYLGHU
6PDUWSKRQH8VHU0DQXDO
&RQWHQWV
&RQWHQWV
6DIHW\3UHFDXWLRQV
2SHUDWLRQ3UHFDXWLRQV
*HWWLQJ6WDUWHG
.QRZLQJ\RXUVPDUWSKRQH
6WDWXVLQGLFDWRUV
%DWWHU\
$FFHVVRULHV
1DYLJDWLQ
(QWHULQJWH[WDQGQXPEHUV
6HFXULQJ\RXUSKRQH
8VLQJ\RXUSKRQH
0DNLQJDFDOO
5HFHLYLQJDFDOO
,QFDOORSWLRQV
5HWULHYLQJDYRLFHPDLOPHVVDJH
5HYLHZLQJ\RXUFDOOV
6KRUWFXWVVSHHGGLDOV
$GYDQFHGGLDOLQJRSWLRQV
8VLQJ\RXUFDPHUD
&DPHUDDQG9LGHR5HFRUGHU
$OEXP
3HUVRQDOL]LQJ\RXUSKRQH
&KDQJLQJVHWWLQJV
'DWD&RQQHFWLRQV
0HVVDJLQJIHDWXUHV
6HWWLQJXSDFFRXQWV
6HQGLQJHPDLODQG606PHVVDJHV
5HFHLYLQJHPDLODQG606PHVVDJHV
9LHZLQJ\RXUPHVVDJHIROGHUV
0DQDJLQJ\RXU,QER[
,QVWDQWPHVVDJLQJ
&RQWDFWV&DOHQGDUDQG
7DVNV
8VLQJ&RQWDFWV
8VLQJ&DOHQGDU
8VLQJ7DVNV
3KRWR&RQWDFWV
6\QFKURQL]LQJLQIRUPDWLRQ
8QGHUVWDQGLQJ$FWLYH6\QF
6\QFKURQL]LQJZLWKDGHVNWRS
FRPSXWHU
6\QFKURQL]LQJZLWKDVHUYHU
2WKHUV\QFKURQL]DWLRQLQIRUPDWLRQ
,QWHUQHWHQWHUWDLQPHQWDQG
PRUH
,QWHUQHW([SORUHU
0HGLD3OD\HU
&DOFXODWRU
6PDUWSKRQH8VHU0DQXDO
&RQWHQWV
0RGHPOLQN
*DPHV
$SSHQGL[
5HJXODWRU\1RWLFHV
7URXEOHVKRRWLQJ
,QGH[
6PDUWSKRQH8VHU0DQXDO
6DIHJXDUG
6$)(7<217+(52$'
9HKLFOHGULYHUVLQPRWLRQDUHQRWSHUPLWWHGWRXVH
WHOHSKRQ\VHUYLFHVZLWKWKHKDQGKHOGGHYLFHH[FHSW
LQWKHFDVHRIHPHUJHQF\,QVRPHFRXQWULHVXVLQJ
KDQGIUHHGHYLFHVDVDQDOWHUQDWLYHLVDOORZHG
6$)(7<)250(',&$/(48,30(17
7KLV SURGXFW PD\ FDXVH PDOIXQFWLRQV RI PHGLFDO
HTXLSPHQW,QPRVWKRVSLWDORUPHGLFDOFHQWHUVXVH
RIWKLVSURGXFWLVIRUELGGHQ
121,21,6,1*5$',$7,21
7KLVSURGXFWVKRXOGEHRSHUDWHGLQWKHVXJJHVWHG
QRUPDO FRQGLWLRQ RQO\ WR HQVXUH WKH UDGLDWLYH
SHUIRUPDQFH DQG VDIHW\ RI WKH LQWHUIHUHQFH$V
ZLWK RWKHU PRELOH UDGLR WUDQVPLWWLQJ HTXLSPHQW
XVHUVDUHDGYLVHGWKDWIRUVDWLVIDFWRU\RSHUDWLRQRI
WKHHTXLSPHQWDQGIRUWKHVDIHW\RISHUVRQQHOLWLV
UHFRPPHQGHGWKDWQRSDUWRIWKHKXPDQERG\EH
DOORZHG WR FRPH WRR FORVH WR WKH DQWHQQD GXULQJ
RSHUDWLRQRIWKHHTXLSPHQW
6DIHW\3UHFDXWLRQV
:KHQXVLQJWKLV SURGXFW WKH VDIHW\ SUHFDXWLRQVEHORZPXVW EH WDNHQ DJDLQVW SRVVLEOH OHJDO
LVVXHVDQGGDPDJHV
(/(&75,&$/6$)(7<
7KLVSURGXFWLVLQWHQGHGIRUXVHZKHQVXSSOLHGZLWK
SRZHUIURPWKHEDWWHU\SDFN3+[2WKHUXVDJH
ZLOOLQYDOLGDWHDQ\DSSURYDOJLYHQWRWKLVSURGXFWDQG
PD\EHGDQJHURXV
6$)(7<,1$,5&5$)7
7KHLQWHUIHUHQFHZRXOGEHFDXVHGE\WKLVSURGXFW
WRDQDLUFUDIWVQDYLJDWLRQV\VWHPDQGLWVQHWZRUN
,QPRVWFRXQWULHVXVLQJWKLVSURGXFWRQERDUGDQ
DLUSODQHLVDJDLQVWWKHODZ
6$)(7<)25(;3/26,9(
$70263+(5(6
:KHQ LQ DQ\ DUHD ZLWK D SRWHQWLDOO\ H[SORVLYH
DWPRVSKHUHRUZKHUHÀDPPDEOH0DWHULDOVH[LVWWKH
SURGXFWVKRXOGEHWXUQHG RIIDQGWKHXVHUVKRXOG
REH\DOOVLJQVLQVWUXFWLRQV6SDUNVLQVXFKDUHDV
FRXOGFDXVHDQH[SORVLRQRU¿UHUHVXOWLQJLQERGLO\
LQMXU\RUHYHQGHDWK8VHUVDUHDGYLVHGQRWWRXVH
WKHHTXLSPHQWZKHQ DW DUHIXHOLQJSRLQW 6HUYLFH
6WDWLRQ *DV 6WDWLRQ 8VHUV DUH UHPLQGHG RI WKH
QHHG WR REVHUYH UHVWULFWLRQV RQ WKH XVH RI UDGLR
HTXLSPHQWLQIXHOGHSRWVFKHPLFDOSODQWVRUZKHUH
EODVWLQJ RSHUDWLRQV DUH LQ SURJUHVV$UHDV ZLWK D
SRWHQWLDOO\H[SORVLYHDWPRVSKHUHDUHRIWHQEXWQRW
DOZD\VFOHDUO\PDUNHG7KH\LQFOXGHIXHOOLQJDUHDV
EHORZGHFNRQERDWVIXHORUFKHPLFDOWUDQVIHURU
VWRUDJHIDFLOLWLHVDQGDUHDVZKHUHWKHDLUFRQWDLQV
FKHPLFDOVRUSDUWLFOHVVXFKDVJUDLQGXVWRUPHWDO
SRZGHUV
6PDUWSKRQH8VHU0DQXDO
6DIHJXDUG
,PSRUWDQW2SHUDWLRQ3UHFDXVWLRQV
7+( '(9,&( ,6 127 &+$5*(' :+(1
<28 7$.( ,7 287 2) 7+( %2; )RU
LQIRUPDWLRQVHH&KDSWHU*HWWLQJ6WDUWHG
72 7851 21<285 60$573+21(
35(66$1'+2/'7+(32:(5%87721
)256(&21'6
'21275(029(7+(%$77(5<3$&.
:+(17+('(9,&(,6&+$5*,1*
:+(1 ,16(57 <285 58,0 &$5'
0$.( 685( 7+( '(9,&( ,6 32:(5
2))7+(1&/,&.6,7,1723/$&()RU
PRUH LQIRUPDWLRQ VHH 6WHS ,QVHUW WKH 58,0
FDUGLQ4XLFN6WDUW*XLGH
<285 :$55$17< ,6 ,19$/,'$7('
,) <28 23(1 25 7$03(5 :,7+ 7+(
'(9,&(¶6 287(5 &$6,1* )RU PRUH
LQIRUPDWLRQVHHWKHHQFORVHGZDUUDQW\FDUG
$92,' 86,1* 7+( 352'8&7 1($5
0(7$/ 6758&785(6 )RU H[DPSOH WKH
VWHHOIUDPHRIDEXLOGLQJ
$92,'86,1*7+(352'8&71($5
67521*(/(&7520$*1(7,&
6285&(6
68&+$60,&52:$9(
29(166281'63($.(5679$1'
5$',2
$92,'86,1* 7+,6 352'8&7$)7(5$
'5$0$7,&&+$1*(,17(03(5$785(
&KDSWHU
*HWWLQJ6WDUWHG
.QRZLQJ\RXUVPDUWSKRQH
6WDWXVLQGLFDWRUV
%DWWHU\
$FFHVVRULHV
1DYLJDWLQJ
(QWHULQJWH[WDQGQXPEHUV
6HFXULQJ\RXUSKRQH
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
ABC DEF
MNO
JKL
GHI
PQRS TUV WXYZ
g
.QRZLQJ\RXUVPDUWSKRQH
7KLVFKDSWHUZLOOKHOS\RXVHWXS\RXU6PDUWSKRQHFKDUJHLWVEDWWHULHVDQGIDPLOLDUL]H
\RXUVHOIZLWKLWVYDULRXVKDUGZDUHDQGVRIWZDUHFRPSRQHQWV
)URQWDQGULJKWVLGHYLHZ
+RPH
3UHVV WR UHWXUQ WR WKH +RPH VFUHHQ 3UHVV
DQGKROGWRWKH4XLFN/LVWRI%OXHWRRWK*356
VHWWLQJV
7DON+DQGVIUHH
3UHVVRQFHWRSLFNXSRULQLWLDWHDFDOO3UHVV
DQGKROGWRWXUQRQRIIWKHVSHDNHUSKRQH
/HIWVRIWNH\
7KLVEXWWRQVHOHFWVWKHFRPPDQGVKRZQRQWKH
VFUHHQLPPHGLDWHO\DERYHWKHNH\
'LVSOD\
7KHVFUHHQRQ\RXUSKRQHWKDWGLVSOD\VLQIRUPD
WLRQ7KHWRSRIWKHGLVSOD\VKRZVWKHWLWOHEDU
6SHDNHU
7KLV RXWSXWV YRLFH IURP FDOOV RU VRXQG IURP
DXGLRPHGLD
/(',QGLFDWRU
6ROLGJUHHQ%DWWHU\LVIXOO\FKDUJHG
6ROLGUHG%DWWHU\LVHPSW\
6ROLGDPEHU%DWWHU\LVFKDUJLQJ
)ODVKLQJJUHHQEOLQNLQJHYHU\VHFRQG
1RWL¿FDWLRQ
)ODVKLQJJUHHQEOLQNLQJHYHU\VHFRQGV
1HWZRUNLVDWWDFKHG
)ODVKLQJUHG%DWWHU\LVORZ
)ODVKLQJEOXH%OXHWRRWKQHWZRUNLVDWWDFKHG
'LP1HWZRUNLVGLVFRQQHFWHG
(DUSKRQHMDFN
:KHQ\RXZDQWWROLVWHQWRPXVLFRUWDON
KDQGVIUHHLQVHUWWKHHDUSKRQHMDFNKHUH
9ROXPH
3UHVV WR DGMXVW WKH YROXPH RI WKH HDUSLHFH
DQGKHDGVHW
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
5LJKWVRIWNH\
7KLV EXWWRQ VHOHFWV WKH FRPPDQG VKRZQ RQ
WKH VFUHHQ LPPHGLDWHO\ DERYH WKH NH\ 7KH
FRPPDQGVKRZQFKDQJHVLQUHVSRQVHWRWKH
SURJUDP\RXDUHXVLQJ
3RXQGNH\
3UHVVLQJDQGKROGLQJWKHSRXQGNH\GLVSOD\V
DOLVWRIV\PEROV
(QG.H\ORFN
3UHVV RQFH WR HQG D FDOO 3UHVV DQG KROG WR
ORFNWKHNH\SDG
%DFN
3UHVVWRJREDFNWRWKHSUHYLRXVVFUHHQ
1DYLJDWLRQ3DG
8VHWRPRYHOHIWULJKWXSDQGGRZQWKURXJKRQ
VFUHHQLQIRUPDWLRQSUHVVWKHFHQWHUWRVHOHFW
$VWHULVN
3UHVVLQJDQGKROGLQJWKHDVWHULVNNH\VZLWFKHV
EHWZHHQWH[WDQGQXPHULFLQSXWPRGHVXS
SHUFDVHDQGORZHUFDVH
'LDOLQJNH\SDG
3UHVVWRHQWHUQXPEHUVDQGFKDUDFWHUV
5HDUOHIWVLGHDQGWRSEDVHYLHZ
0LUURU
/RRNKHUHIRUVHOISRUWUDLWV
&DPHUDOHQV
7RFDSWXUHLPDJHVRUYLGHRFOLSV
9LGHROLJKWDQGÀDVK
)RUWDNLQJSKRWRVRUYLGHRRULQGLPOLJKW
&DUDQWHQQDFRQQHFWRU
,I \RXU FDU VXSSRUWV \RX FDQ DWWDFK \RXU
SKRQHWRWKHDQWHQQDDQGXWLOL]HLWVVXSHULRU
UHFHSWLRQTXDOLW\
&DPHUD
3UHVVWRODXQFKWKHFDPHUD
9RLFHUHFRUGHUEXWWRQ
3UHVVWRODXQFKWKHYRLFHUHFRUGHU
9RLFH'LDOLQJ
3UHVVWRODXQFKWKHYRLFHGLDOLQJIXQFWLRQ
3RZHUEXWWRQ
3UHVVWRDFFHVVWKH4XLFN/LVW
3UHVVDQGKROGWRWXUQRQDQGRIIWKHSKRQH
6'00&FDUGVORW
,QVHUW6'RU00&FDUGVKHUHWRLQFUHDVHWKH
FDSDFLW\RI\RXUGHYLFHVPHPRU\
8QLYHUVDOFRQQHFWRU
$WWDFKWKH86%6HULDOFDEOHKHUHZKHQV\QFLQJ
ZLWK\RXUGHVNWRSFRPSXWHURUQRWHERRN
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
6WDWXVLQGLFDWRUV
6WDWXVLQGLFDWRUV DUH GLVSOD\HGLQ WKH WLWOHEDU DW WKHWRS RI WKH
SKRQHVGLVSOD\7KHIROORZLQJWDEOHOLVWVFRPPRQVWDWXVLQGLFDWRUV
DQGWKHLUPHDQLQJV
,QGLFDWRU 0HDQLQJ
1HZHPDLO
1HZYRLFHPDLO
1HZLQVWDQWPHVVDJH
9RLFHFDOODFWLYH
'DWDFDOODFWLYH
&DOOIRUZDUGLQJ
&DOORQKROG
0LVVHGFDOO
%DWWHU\OHYHO
/RZEDWWHU\
1REDWWHU\
%DWWHU\
<RXU6PDUWSKRQHKDVDUHPRYDEOHUHFKDUJHDEOH/LWKLXPLRQEDW
WHU\:LWKFRQWLQXDOXVHDQGUHFKDUJLQJWKHEDWWHU\ZLOOEHFRPH
XQXVDEOHDIWHUDPDWWHURI\HDUVDQGVKRXOGEHFKDQJHGWKURXJK
DVHUYLFH FHQWHU:KLOH \RX DUHXVLQJ\RXU GHYLFHWKHDPRXQW
RISRZHUFRQVXPHGGHSHQGVRQZKHWKHU\RXDUHWDONLQJRQWKH
SKRQHRURQVWDQGE\
0RGH (VWLPDWHGEDWWHU\OLIH
7DONWLPH aKRXUV
6WDQGE\ KRXUV
,QGLFDWRU 0HDQLQJ
/LQH
6LJQDOVWUHQJWK
5DGLRRII
&'0$DYDLODEOH
5LQJHURII
0XOWLSUHVV WH[W LQSXW PRGH
ORZHUFDVH
0XOWLSUHVV WH[W LQSXW PRGH XS
SHUFDVH
0XOWLSUHVVWH[WLQSXWPRGHFDSVORFN
7WH[WLQSXWPRGHORZHUFDVH
7WH[WLQSXWPRGHXSSHUFDVH
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
7KHHVWLPDWHV
I
RUEDWWHU\OL
I
HDUHEDVHGRQ\RXRQO\XVLQJWKLV7KHHVWLPDWHV
I
RUEDWWHU\OL
I
HDUHEDVHGRQ\RXRQO\XVLQJWKLV
I
XQFWLRQ$V\RXZLOOEHFRQWLQXDOO\LQWHUFKDQJLQJEHWZHHQWKHVH
I
XQFWLRQ$V\RXZLOOEHFRQWLQXDOO\LQWHUFKDQJLQJEHWZHHQWKHVH
I
HDWXUHVDQG
I
XQFWLRQVWKHHVWLPDWHVZLOOYDU\
I
HDWXUHVDQG
I
XQFWLRQVWKHHVWLPDWHVZLOOYDU\
<
RXUVPDUWS
K
RQHFRQWD
L
QVD
OL
W
KL
XP
L
RQ
E
DWWHU\SDF
N
7K
HUH
L
VD
<
RXUVPDUWS
K
RQHFRQWD
L
QVD
OL
W
KL
XP
L
RQ
E
DWWHU\SDF
N
7K
HUH
L
VD
ULVNRI¿UHDQGEXUQVLIWKHEDWWHU\SDFNLVKDQGOHGLPSURSHUO\ULVNRI¿UHDQGEXUQVLIWKHEDWWHU\SDFNLVKDQGOHGLPSURSHUO\
'
RQRW
GL
VDVVHP
EO
HFUXV
K
SXQFWXUHV
K
RUWH[WHUQD
O
FRQWDFWV
'
RQRW
GL
VDVVHP
EO
HFUXV
K
SXQFWXUHV
K
RUWH[WHUQD
O
FRQWDFWV
RUGLVSRVHR
I
LQ
¿
UHRUZDWHU'RQRWDWWHPSWWRRSHQRUVHUYLFHRUGLVSRVHR
I
LQ
¿
UHRUZDWHU'RQRWDWWHPSWWRRSHQRUVHUYLFH
W
K
H
E
DWWHU\SDF
N
5
HS
O
DFHRQ
O
\Z
L
W
K
W
K
H
E
DWWHU\SDF
N
G
HV
L
JQDWH
G
W
K
H
E
DWWHU\SDF
N
5
HS
O
DFHRQ
O
\Z
L
W
K
W
K
H
E
DWWHU\SDF
N
G
HV
L
JQDWH
G
I
RUWKLVSURGXFW'LVSRVHR
I
EDWWHULHVSURSHUO\'RQRWGLVSRVH
I
RUWKLVSURGXFW'LVSRVHR
I
EDWWHULHVSURSHUO\'RQRWGLVSRVH
ZLWK\RXUUHJXODUWUDVK
ZLWK\RXUUHJXODUWUDVK
7RUHF
K
DUJHW
K
H
E
DWWHU
\
:K
HQW
K
H
O
RZ
E
DWWHU\
L
FRQDSSHDUVVDYHDQ\XQVDYH
G
G
DWD\RX
DUHZRUNLQJRQSHUIRUPDV\QFKURQL]DWLRQZLWK\RXU3&WKHQWXUQ
R
II
\RXU
6
PDUWSKRQH'RQRWWU\WRUHVWDUW\RXU
6
PDUWSKRQHXQWLO
\RX
K
DYHFRQQHFWH
G
WR H[WHUQD
O
SRZHU
<
RXFDQ UHF
K
DUJH\RXU
VPDUWSKRQHLQWKH
I
ROORZLQJZD\V
3ODFH\RXU6PDUWSKRQHLQWKHFUDGOHDQGFRQQHFWWKHFUDGOHWR
DQH[WHUQDOSRZHUVRXUFH7KH
¿
UVWWLPH\RXXVHLWFKDU
J
WKUHHWR
I
RXUKRXUV
<RX FDQ SOXJ WKH$& DGDSWHU LQWR WKH 86% FDEOH KHDG DQG
WKHQ FRQQHFW \RXU 6PDUWSKRQH GLUHFWO\ WR DQ H[WHUQDO SRZHU
VR
X
UFH
<RXFDQSOXJWKH$
&
DGDSWHULQWRWKHRSWLRQDO'
&
&
RQYHUWHUDQG
WKHQFRQQHFW\RXU
6
PDUWSKRQHGLUHFWO\WRDQH[WHUQDOSRZH
U
VR
X
UFH
7
R\RX
U
6
PDUW3KRQ
H
7R$
&
D
G
DSWH
U
7R\RXU
6
PDUWSKRQ
H
3OXJWKH$
&
D
G
DSWHU
L
QWRD
VRF
N
H
W
8
6
%
6
HULDO
V\QF
K
URQ
L
]DW
L
RQFD
EO
H
\
RXU3
&
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
$FFHVVRULHV
86%FUD
GO
H
RSWLRQD
O
<RXU VPDUWSKRQH FRPHV ZLWK D 8
6
% FUDGOH 7KLV DOORZV
\RXWRUHF
K
DUJH\RXUVPDUWS
K
RQHDVZH
OO
DVV\QF
K
URQ
L
]H
LQ
I
RUPDWLRQ EHWZHHQ \RXU VPDUWSKRQH DQG D 3
&
XVLQJ
$FWLYH
6\
QF
7RV\QFKURQL]HWKH8
6
%
&
UDGOHPXVWEHSOXJJHGLQWRDQ7RV\QFKURQL]HWKH8
6
%
&
UDGOHPXVWEHSOXJJHGLQWRDQ
DYDLODEOH8
6
%SRUWRQ\RXU3
&
DYDLODEOH8
6
%SRUWRQ\RXU3
&
)RUEDWWHU\UHFKDUJLQJ\RXPXVWSOXJWKH$&$GDSWHU
LQWRWKHEDFNRIFUDGOH
6'DQ
G
00&FDU
G
V
RSWLRQD
O
<
RXU
G
HY
L
FH
K
DV DQ H[SDQV
L
RQ V
O
RW FRPSDW
LEO
H Z
L
W
K
D
UDQJHR
I
6
'DQG00
&
0HPRU\FDUGVZKLFKDUHSULPDULO\XVHG
WREDFNXS
¿
OHVRUVWRUHGDWD
7
R
L
QVHUWDPHPRU\FDU
G
3
XV
K
W
K
HPHPRU\FDU
G
L
QWRV
O
RWXQW
LO
L
WF
OL
F
N
V
L
QWRS
O
DFH
7K
HFDU
G
L
VVHFXUHZ
K
HQ
L
W
L
VQRWSURWUX
GL
QJ
I
URPWKHEDVH
7
RUHPRYHW
K
HFDU
G
3
XV
K
L
W
L
QDQ
G
W
K
HQUH
O
HDVH
O
HWW
L
QJW
K
HFDU
G
VSU
L
QJRXW
:KHQ\RXUHFHLYH\RXUGHYLFHWKHUHZLOOEHDSLHFHRISODVWLF:KHQ\RXUHFHLYH\RXUGHYLFHWKHUHZLOOEHDSLHFHRISODVWLF
LQWKHVORWUHPRYHDVGHVFULEHGLQVWHS
DERYH
LQWKHVORWUHPRYHDVGHVFULEHGLQVWHS
DERYH
,
I
\RXKDYHVSDUHEDWWHU\
I
RU\RXU3RFNHW3
&
3KRQH
\RXFDQD
O
VRSXWW
K
H
E
DWWHU\
L
QWRW
K
HV
O
RW
L
QW
K
HFUD
GO
H
I
RUUHFKDUJLQJ
$
&
$GDSWHUSOXJV
LQWRWKHEDFNR
I
WKH
FUD
GOH
3
XWDQVSDUHXQ
L
W
LQWRWKHVORW
I
RU
UHF
K
DU
JL
Q
J
SOXJVLQWR
WKHEDFNRIWKHFUDGOH
I
RUEDWWHU\UHFKDUJLQJ
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
86%6HULDOFDEOH
7KH86%FDEOHDOORZV\RXWRV\QFKURQL]HZLWK\RXU
GHVNWRS7KH'&FRQYHUWHULQWKH KHDGDOVR DOORZV
\RXLQFRPELQDWLRQZLWKDQ$&DGDSWHUWRUHFKDUJH
\RXUGHYLFH
'&FRQQHFWRU
7KH'&&RQQHFWRULQFRPELQDWLRQZLWKWKH$&DGDSWHUDOORZV\RX
WRUHFKDUJH\RXUGHYLFHGLUHFWO\
6WHUHRKHDGVHW
7KHVWHUHRZLUHGKHDGVHWKDVDYROXPHFRQWUROMRJGLDO
DQGEXWWRQVWRSLFNXSDQGKDQJXSLQFRPLQJDQGRXWJR
LQJFDOOV
1DYLJDWLQJ
8VLQJWKHQDYLJDWLRQSDG
<RXFDQVFUROOE\SUHVVLQJWKHQDYLJDWLRQSDGWRWKHGLUHFWLRQDV
GHVFULEHGLQWKHWDEOHEHORZ
$FWLRQ 1DYLJDWLRQ
3UHVVXS 0RYHVWKHVHOHFWLRQIRFXVXSZDUGRQWKHVFUHHQ
3UHVVGRZQ 0RYHVWKHVHOHFWLRQIRFXVGRZQZDUGRQWKHVFUHHQ
3UHVVULJKW 0RYHV WKH VHOHFWLRQ IRFXV IRUZDUG RQ WKH VFUHHQ
RUPRYHV WKHFXUVRU IRUZDUG WKURXJK FKDUDFWHUV LQ
DWH[W¿HOG
3UHVVOHIW 0RYHVWKHVHOHFWLRQIRFXVEDFNZDUGRQWKHVFUHHQ
RUPRYHVWKHFXUVRUEDFNZDUGWKURXJKFKDUDFWHUVLQ
DWH[W¿HOGZLWKRXWGHOHWLQJFKDUDFWHUV
3UHVVFHQWHU &RQ¿UPV\RXUVHOHFWLRQVHUYHVDVWKH$FWLRQEXW
WRQ
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
8VLQJWKH+RPHVFUHHQ
3UHVVLQJWKH+RPHNH\WDNHV\RXWRWKH+RPHVFUHHQ<RXFDQ
JDLQDFFHVVWRDOORIWKHVPDUWSKRQHIHDWXUHVDQGSURJUDPVIURP
WKH+RPHVFUHHQ
7KHWRSRIWKH+RPHVFUHHQGLVSOD\VLFRQVIRUWKH¿YHSURJUDPV
WKDW\RXKDYHPRVWUHFHQWO\XVHG7KHFHQWHURIWKH+RPHVFUHHQ
GLVSOD\V\RXUQH[WDSSRLQWPHQWWKHQXPEHURIPHVVDJHVLQ,QER[
DQG\RXUFXUUHQWSUR¿OH:KHQ\RXVFUROOWRRQHRIWKHVHLWHPVDQG
SUHVVWKHQDYLJDWLRQSDGWKHDVVRFLDWHGSURJUDPRSHQV
2Q WKH ERWWRP OHIW VLGH RI WKH +RPH VFUHHQ LV WKH 3URJUDPV
PHQX3UHVVLQJWKH VRIWNH\IRUWKLVPHQXWDNHV \RXWRWKH OLVW
RILQVWDOOHGSURJUDPV<RXFDQVFUROOWRDSURJUDPLQWKHOLVWDQG
SUHVVWKHQDYLJDWLRQSDGWRRSHQLW7RWKHULJKWRIWKH3URJUDPV
PHQXLV DYDULDEOH PHQX3UHVVLQJ WKLVVRIWNH\ RSHQVWKH DV
VRFLDWHGSURJUDP
7KH+RPHVFUHHQGLVSOD\VDXWRPDWLFDOO\ZKHQ\RXWXUQRQWKH
6PDUWSKRQHRUOHDYHWKH6PDUWSKRQHLGOHZKHQLWLVRQEXW\RX
FDQJRWRLWDWDQ\WLPHE\SUHVVLQJWKH+RPHNH\
8VLQJWKH%DFNNH\
3UHVVLQJ WKH %DFN NH\ WDNHV \RX WR WKH SUHYLRXV VFUHHQ LQ D
VLPLODUPDQQHUWRWKH%DFNEXWWRQRQDEURZVHU,QDWH[W¿HOG
SUHVVLQJWKH%DFNNH\PRYHVWKHFXUVRU EDFNWRGHOHWHRQHRU
PRUHFKDUDFWHUV7KLVLVVLPLODUWRSUHVVLQJWKH%$&.63$&(NH\
RQDNH\ERDUG
7REDFNVSDFHDQGUHPRYHRQHFKDUDFWHU3UHVVWKHEDFNNH\
8VLQJWKHVRIWNH\V
7KHUHDUHWZRVRIWNH\VRQ\RXUSKRQHORFDWHGGLUHFWO\EHORZWKH
GLVSOD\VFUHHQ(DFKVRIWNH\SHUIRUPVWKHFRPPDQGGLVSOD\HG
LPPHGLDWHO\DERYHLWRQWKHVFUHHQPDNLQJLWHDV\WRQDYLJDWH
DURXQG\RXUSKRQHDQGWRSHUIRUPFRPPRQFRPPDQGV
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
8VLQJPHQXV
2QPDQ\VFUHHQVWKHULJKWVRIWNH\LVODEHOHG0HQX7KH0HQXVRIW
NH\GLVSOD\VDOLVWRIPHQXRSWLRQVWKDWDUHUHOHYDQWWRWKHVFUHHQ
\RXDUHYLHZLQJ6HOHFWLQJDPHQXRSWLRQZLOOHLWKHUSHUIRUPWKH
FRPPDQGRUWDNH\RXWRDQRWKHUSDUWRIWKHXVHULQWHUIDFHZKHUH
\RXFDQSHUIRUPWKHFRPPDQG
8VLQJWKH6WDUWPHQX
<RXUSKRQHFRPHVSUHLQVWDOOHGZLWKPDQ\SURJUDPVWKDW\RXFDQ
VWDUWXVLQJ7RLQVWDOODGGLWLRQDOSURJUDPVRQ\RXUSKRQHUHIHUWR
WKH6PDUWSKRQH&RPSDQLRQ&'WKDWFDPHZLWK\RXUSKRQH7R
QDYLJDWHWRDSURJUDP
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\
6HOHFWWKHSURJUDP\RXZDQWDQGSUHVVWKH$FWLRQEXWWRQ
8VLQJQXPEHUV
<RXFDQDOVRXVHQXPEHUVWRTXLFNO\QDYLJDWHWRSURJUDPVDQG
VHWWLQJV RQ \RXU SKRQH -XVW SUHVV WKH QXPEHU RQ WKH NH\SDG
WKDWFRUUHVSRQGVWRWKHQXPEHUVKRZQQH[WWRWKHSURJUDPRU
VHWWLQJ\RXZDQW
)RU H[DPSOH LQ 6WDUW PHQX SUHVV RQ WKH NH\SDG WR RSHQ
&DOHQGDU
8VLQJWKH4XLFN/LVW
7KH4XLFN/LVWGLVSOD\VDOLVWRIFRPPDQGV
VXFK DV ORFNLQJ \RXU SKRQH ORFNLQJ WKH
SKRQHVNH\SDGDQGWXUQLQJRIIWKHUDGLRDV
ZHOODVWKHOLVWRIDYDLODEOHSUR¿OHW\SHV
7RDFFHVVWKH 4XLFN /LVW SUHVVWKHSRZHU
EXWWRQ
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
(QWHULQJWH[WDQGQXPEHUV
<RXU SKRQH VXSSRUWV WKUHH LQSXW PRGHV IRU HQWHULQJ WH[W DQG
QXPEHUV 0XOWLSUHVV 7 DQG 1XPHULF 7KH 0XOWLSUHVV DQG
7PRGHVDUHXVHGIRUHQWHULQJWH[WDQGWKH1XPHULFPRGHIRU
HQWHULQJQXPEHUV:KHQ\RXVHOHFWD¿HOGWKDWUHTXLUHVWH[WRU
QXPHULFHQWU\WKHSKRQHZLOODXWRPDWLFDOO\VHOHFWWKHDSSURSULDWH
LQSXWPRGH7KHVWDWXVLQGLFDWRURQWKHWLWOHEDUVKRZVWKHLQSXW
PRGH\RXDUHFXUUHQWO\XVLQJ
7RVZLWFKLQSXWPRGHV
3UHVVDQGKROGWKH$VWHULVNNH\XQWLOWKHVWDWXVLQGLFDWRUIRUWKH
LQSXWPRGH\RXZDQWLVGLVSOD\HGLQWKHWLWOHEDU
7KHIROORZLQJWDEOHVKRZVWKHFRPSOHWHOLVWRILQSXWPRGHVWDWXV
LQGLFDWRUV
,QGLFDWRU 0RGH
DEF
$%&
$%&
W
7
7
0XOWLSUHVVWH[WLQSXWPRGHORZHUFDVH
0XOWLSUHVVWH[WLQSXWPRGHXSSHUFDVH
0XOWLSUHVVWH[WLQSXWPRGHFDSVORFN
7WH[WLQSXWPRGHORZHUFDVH
7WH[WLQSXWPRGHXSSHUFDVH
7WH[WLQSXWPRGHFDSVORFN
1XPHULFLQSXWPRGH
(QWHULQJWH[WLQ0XOWLSUHVVPRGH
:KHQ\RXDUHLQ0XOWLSUHVVPRGH\RXFDQHQWHUDOHWWHUE\SUHVV
LQJWKHQXPEHUNH\RQZKLFKWKHOHWWHUDSSHDUV7RHQWHUWKH¿UVW
OHWWHURQWKHQXPEHUNH\SUHVVWKHNH\RQFHWRHQWHUWKHVHFRQG
OHWWHU SUHVV WKH NH\ WZLFH DQG VR RQ 7KH OHWWHU HQWHUHG PRVW
UHFHQWO\LVXQGHUOLQHGXQWLO\RXKDYHFRPSOHWHGWKHNH\SUHVVHV
IRUWKHOHWWHUDQGPRYHGRQWRWKHQH[WOHWWHU
)RUH[DPSOH7RHQWHUWKHZRUGKDWSUHVV
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
:K
HQ\RXHQWHU
O
HWWHUVW
K
DWDUHRQW
K
HVDPHQXP
E
HU
N
H\\RXPXVW
SDXVHD
I
WHUHQWHULQJWKH
¿
UVWOHWWHUDQGZDLWXQWLOWKHXQGHUOLQHGLV
DSSHDUVEH
I
RUHHQWHULQJWKHQH[WOHWWHUVR\RXUSKRQHFDQSURFHVV
WKH
¿
UVWOHWWHU7KLVSDXVHLVFDOOHGWKH0XOWLSUHVVWLPHRXWDQG\RX
FDQDGMXVWWKHOHQJWKR
I
WKHSDXVHEHWZHHQNH\SUHVVHV
)RUH[DPSOH7RHQWHUWKHZRUGFDWSUHVV
SDXVHSUHVV
DQGWKHQSUHVV
7
RHQWHUSXQFWXDW
L
RQ
L
Q
0
X
O
W
L
SUHVVPR
G
HSUHVV
UHSHDWH
GO
\XQW
LO
\RXVHHW
K
HSXQFWXDW
L
RQPDU
N
W
K
DW\RXZDQW
7
RF
K
DQJHW
K
H
0
X
O
W
L
SUHVVW
L
PHRXW
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
6HOHFW
6
HWWLQJ
V
DQ
G
W
K
HQ
$
FFHVV
LELOL
W
\
,Q0XOWLSUHVVWLPHRXWVHOHFWWKHOHQJWKR
I
W
K
HSDXVH
E
HWZHHQ
N
H\SUHVVHV
(QWHULQJWH[WLQ7PR
GH
:KHQ\RXDUHLQ7
PRGHMXVWSUHVVWKHQXPEH
U
NH\VWKDWFRQWDLQWKHOHWWHUV\RXZDQWWR
I
RUPDZRUG7ZLOOWKHQ
DQD
O
\]H\RXU
N
H\SUHVVHVDQ
G
DWWHPSWWRFRPS
O
HWHW
K
HZRU
G
)RUH[DPSOH7RHQWHUWKHZRUGVKRHSUHVV
(
QWHUW
K
HQXPHU
L
FD
O
VHTXHQFHW
K
DWUHSUHVHQWVW
K
HZRU
G
\RXZDQW
WR
I
RUP
3
UHVVW
K
H
NH\WRDFFHSWWKHZRUGDQGHQWHUDVSDFHD
I
WHULWR
U
SUHVV
WRVFUR
OO
W
K
URXJ
K
W
K
HDYD
LO
D
EO
HZRU
G
V
7RHQWHUSXQFWXDWLRQ LQ7
PRGH3UHVV
DQ
G
W
K
HQ
WRF\F
O
H
W
K
URXJ
K
FRPPRQSXQFWXDW
L
RQ
+DYLQJ WURXEOH HQWHULQJ D ZRUG LQ 7 PRGH
"
+DYLQJ WURXEOH HQWHULQJ D ZRUG LQ 7 PRGH
"
7
FDQQRW7
FDQQRW
DOZD\V
¿
QGWKHZRUG\RXZDQWLQWKH7GLFWLRQDU\LQWKHVHDOZD\V
¿
QGWKHZRUG\RXZDQWLQWKH7GLFWLRQDU\LQWKHVH
FDVHV VZ
L
WF
K
WRFDVHV VZ
L
WF
K
WR
0
X
O
W
L
SUHV
V0
X
O
W
L
SUHV
V
PRGH$
I
WHU \RX KDYH HQWHUHG PRGH$
I
WHU \RX KDYH HQWHUHG
W
K
H ZRU
G
L
Q
0
X
O
W
L
SUHVV PR
G
H W
K
H ZRU
G
Z
LOO
E
H D
GG
H
G
WR W
K
HW
K
H ZRU
G
L
Q
0
X
O
W
L
SUHVV PR
G
H W
K
H ZRU
G
Z
LOO
E
H D
GG
H
G
WR W
K
H
7
GLFWLRQDU\
7
GLFWLRQDU\
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
(QWHULQJQXPEHUVLQ1XPHULFPRGH
:KHQ\RX DUH LQ1XPHULF PRGH MXVWSUHVVWKH QXPEHUV\RX
ZDQWWRHQWHURQWKHNH\SDG,ID¿HOGSHUPLWVDQXPHULFDOHQWU\
RQO\VXFKDVWKH:RUNSKRQH¿HOGLQ&RQWDFWVWKHLQSXWPRGH
ZLOODXWRPDWLFDOO\GHIDXOWWR1XPHULFPRGH
0LVFHOODQHRXVLQSXWWDVNV
7RHQWHUDVSDFH,Q0XOWLSUHVVRU7PRGHSUHVVWKHNH\
7RVWDUWDQHZOLQH3UHVVWKH$FWLRQEXWWRQ
7RFKDQJHEHWZHHQXSSHUFDVHDQGORZHUFDVHLQWH[WPRGH
3UHVVWKHNH\
7RORFNFDSV3UHVVWKHNH\WZLFH3UHVVWKHNH\DJDLQWR
UHWXUQWRORZHUFDVH
7RHQWHUDV\PERO3UHVVDQGKROGWKHNH\VHOHFWWKHV\PERO
\RXZDQWDQGWKHQSUHVVWKH'RQHVRIWNH\
7R HQWHU D QXPEHU DQ DVWHULVN RU D SRXQG VLJQ
6ZLWFKWR1XPHULFPRGHDQGSUHVVWKHFRUUHVSRQGLQJNH\RQ
WKHNH\SDG
7RGHOHWHFKDUDFWHUV3UHVVWKH%DFNEXWWRQWREDFNVSDFHRYHU
DVLQJOHFKDUDFHU3UHVVDQGKROGWKH%DFNEXWWRQWREDFNVSDFH
DQGGHOHWHDQHQWLUHWH[W¿HOG
7RHQWHUWKHSOXVVLJQIRULQWHUQDWLRQDOFDOOV3UHVVDQG
KROG
6HFXULQJ\RXUSKRQH
<RXFDQFXVWRPL]HWKHOHYHORIVHFXULW\\RXZDQWWRKDYHRQ\RXU
SKRQHE\ORFNLQJWKHNH\SDGWKHHQWLUHSKRQHRUWKH6,0FDUG
/RFNLQJWKHNH\SDG
7KHNH\SDGORFNWXUQVRIIWKHNH\SDGIXQFWLRQDOLW\7KLVLVDKHOS
IXOIHDWXUHLIIRUH[DPSOH\RXUSKRQHLVWXUQHGRQ DQGLQ\RXU
SRFNHW DQG \RX ZDQW WR SUHYHQW DFFLGHQWDO NH\SUHVVHV IURP
GLDOLQJDQXPEHUHWF
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
7
R
O
RF
N
\RXU
N
H\SD
G
2
QWKH
+
RP
H
VFUHHQSUHVVDQ
G
K
R
OG
W
K
H
(
Q
G
EXWWRQ7KHOH
I
WVR
I
WNH\ZLOOGLVSOD\
8
Q
O
RF
N
L
Q
GL
FDW
L
QJW
K
DW
\RXUS
K
RQH
L
V
O
RF
N
H
G
7
RXQ
O
RF
N
\RXU
N
H\SD
G
2
QWKH+RPHVFUHHQSUHVVWKH
8
Q
O
RF
N
VR
I
WNH\WKHQWK
H
%
DF
N
N
H\
/RF
N
LQJ\RXUS
K
RQ
H
/
RF
NL
QJ \RXU S
K
RQH SUHYHQWV DFFHVV WR SHUVRQD
O
G
DWD
:K
HQ
\RXHQDEOHWKLV
I
HDWXUH\RXUSKRQHZLOODXWRPDWLFDOO\ORFND
I
WH
U
DVSHFL
¿
HGWLPHR
I
LQDFWLYLW\$VFUHHQZLOOEHGLVSOD\HGUHTXLULQJ
\RXUSKRQHORFNSDVVZRUGEH
I
RUHDFFHVVLVJUDQWHG
7
R
O
RF
N
\RXUS
K
RQH
D
3
UHVV W
K
H
3
RZH
U
EXWWRQ WR GLVSOD\ WKH 4XLFN /LVW VHOHFW
U
'
HY
L
FH
O
RF
N
DQ
G
W
K
HQSUHVVW
K
H
2.
VR
I
WNH\
E
8
Q
G
H
U
/RFN SKRQH D
I
WH
U
VHOHFW WKH DPRXQW R
I
WLPH \RX
U
SKRQHLVLQDFWLYHEH
I
RUHWKHSKRQHDXWRPDWLFDOO\ORFNV
F
8
Q
G
H
U
3
DVVZRU
G
HQWHU W
K
H SDVVZRU
G
\RX ZDQW WR XVH WR
DFFHVV\RXUS
K
RQHZ
K
HQ
L
W
L
V
O
RF
N
H
G
G
8
Q
G
H
U
&
RQ
¿
UPSDVVZRU
G
HQWHUW
K
HSDVVZRU
G
DJD
L
QDQ
G
SUHVVW
K
H
'
RQ
H
VR
I
WNH\
<RX FDQ VWLOO UHFHLYH FDOOV DQG PDNH HPHUJHQF\ FDOOV ZKHQ<RX FDQ VWLOO UHFHLYH FDOOV DQG PDNH HPHUJHQF\ FDOOV ZKHQ
W
K
HS
K
RQH
L
V
O
RF
N
H
G
W
K
HS
K
RQH
L
V
O
RF
N
H
G
7
RXQ
O
RF
N
\RXUS
K
RQH
3
UHVVW
K
H
8
Q
O
RF
N
VR
I
WNH\HQWHU\RX
U
SDVVZRU
G
DQ
G
W
K
HQSUHVVW
K
H
8
Q
O
RF
N
VR
I
WNH\DJDLQ
7RWXUQR
II
SKRQHORFN
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
6
WDU
W
VR
I
WNH\VHOHFW
6
HWWLQJ
V
VH
O
HFW
0
RU
H
VH
O
HFW
6
HFXULW
\
VH
O
HFW
'L
VD
EO
H
3K
RQH/RF
N
DQ
G
W
K
HQSUHVVW
K
H
'
RQ
H
VR
I
WNH\
6PDUWSKRQH8VHU0DQXDO
*HWWLQJ
6WDUWHG
/RFNLQJWKH58,0FDUG
/RFNLQJ\RXU58,06XEVFULEHU,GHQWLW\0RGXOHFDUGSUHYHQWV
\RXIURPXVLQJWKHSKRQHEXW\RXFDQVWLOOWXUQLWRQDQGPDNH
HPHUJHQF\ FDOOV :KHQ \RX WXUQ \RXU SKRQH RQ \RX ZLOO EH
SURPSWHG IRU \RXU 3,1 SDVVZRUG ZKLFK \RX PXVW HQWHU FRU
UHFWO\EHIRUH\RXFDQXVH\RXUSKRQH
7RORFNWKH58,02QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIW
NH\VHOHFW6HWWLQJVVHOHFW0RUHVHOHFW6HFXULW\VHOHFW(QDEOH
58,0/RFNDQGWKHQSUHVVWKH$FWLRQNH\(QWHU\RXU3,1
SDVVZRUGDQGWKHQSUHVVWKH'RQHVRIWNH\
7RXQORFN WKH 58,0 2QWKH+RPHVFUHHQSUHVVWKH 6WDUW
VRIWNH\VHOHFW6HWWLQJVVHOHFW0RUHVHOHFW6HFXULW\VHOHFW
'LVDEOH58,0/RFNDQGWKHQSUHVVWKH$FWLRQNH\(QWHU\RXU
3,1SDVVZRUGDQGWKHQSUHVVWKH'RQHVRIWNH\
&KDSWHU
8VLQJ\RXUSKRQH
0DNLQJDFDOO
5HFHLYLQJDFDOO
,QFDOORSWLRQV
5HWULHYLQJDYRLFHPDLOPHVVDJH
5HYLHZLQJ\RXUFDOOV
6KRUWFXWVVSHHGGLDOV
$GYDQFHGGLDOLQJRSWLRQV
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
0DNLQJDFDOO
7K
HUHDUHVHYHUD
O
ZD\VWRPD
N
HDFD
OO
0DNLQJDFDOOIURPWKH+RPHVFUHHQ
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
HQXP
E
HUVRQW
K
H
N
H\SD
G
WRHQWH
U
WKHSKRQHQXPEHUDQGWKHQSUHVVWKH 7
D
O
N
EXWWRQWRPDNHWKH
FD
OO
$
V\RXHQWHUDS
K
RQHQXP
E
HU\RXUS
K
RQHVHDUF
K
HV
$
V\RXHQWHUDS
K
RQHQXP
E
HU\RXUS
K
RQHVHDUF
K
HV
&
RQWDFW
V&
RQWDFW
V
&
DOO+LVWRU
\&
DOO+LVWRU
\
DQ
G
DQ
G
6
SHHG'LD
O6
SHHG'LD
O
OL
VWVDQ
G
\
RX
U
OL
VWVDQ
G
\
RX
U
5
8,05
8,0
FDUGWR
¿
QGFDUGWR
¿
QG
DPDWFKLQJQXPEHU:KHQ\RXVHHWKHQDPHR
I
WKHSHUVRQ\RXDPDWFKLQJQXPEHU:KHQ\RXVHHWKHQDPHR
I
WKHSHUVRQ\RX
ZDQWWRFD
OO
OL
VWH
G
VH
O
HFW
L
WDQ
G
SUHVVW
K
HZDQWWRFD
OO
OL
VWH
G
VH
O
HFW
L
WDQ
G
SUHVVW
K
H
7
D
ON7
D
ON
E
XWWRQ
E
XWWRQ
0DNLQJDFDOOIURP&RQWDFWV
7
RPD
N
HDFD
OO
E
\FRQWDFWQDPH
3
UHVVW
K
H
6
WDU
W
VR
I
WNH
\
RQWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
EXWWRQ
6
HOHFWWKHFRQWDFWQDPHWR
FD
OO
DQ
G
SUHVVW
K
H
7
D
ON
E
XWWRQ
,
I
\RXKDYHDORQJOLVWR
I
FRQWDFWVDQG\RXGRQWVHHWKHFRQWDFW,
I
\RXKDYHDORQJOLVWR
I
FRQWDFWVDQG\RXGRQWVHHWKHFRQWDFW
\RXZDQWRQWKHVFUHHQ\RXFDQHQWHUWKH
¿
UVW
I
HZOHWWHUVR
I
WKH\RXZDQWRQWKHVFUHHQ\RXFDQHQWHUWKH
¿
UVW
I
HZOHWWHUVR
I
WKH
FRQWDFW
VQDPHDQ
G
W
K
HS
K
RQHZ
LOO
VHDUF
K
W
K
URXJ
K
W
K
HHQW
L
UHFRQWDFW
VQDPHDQ
G
W
K
HS
K
RQHZ
LOO
VHDUF
K
W
K
URXJ
K
W
K
HHQW
L
UH
&
RQWDFWVOLVWDQGGLVSOD\WKHQDPH
&
RQWDFWVOLVWDQGGLVSOD\WKHQDPH
7RFKDQJHWKHGH
I
DXOWQXPEHU
I
RUDFRQWDFW
D
3
UHVV W
K
H
6
WDU
W
VR
I
W NH\ RQ WKH
+
RP
H
VFUHHQ VH
O
HFW
&
RQWDFW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
E
6
HOHFWWKHFRQWDFWDQGXVHWKH1DYLJDWLRQSDGWRSUHVV/H
I
W
RU5LJKWWRFKDQJHWKHGH
I
DXOWQXPEHU
F
)RUH[DPSOH,
I
\RXFKDQJHZWRPWKHGH
I
DXOWQXPEH
U
FKDQJHV
I
URP:RUNSKRQH
Z
WR0RELOHSKRQH
P
7RPDNHDFDOO
I
URPDQRSHQFRQWDFW
D
3
UHVV W
K
H
6
WDU
W
VR
I
W NH\ RQ WKH
+
RP
H
VFUHHQ VH
O
HFW
&
RQWDFW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
E
6
HOHFWWKHFRQWDFWWRFDOODQGSUHVVKWH
$
FW
L
R
Q
E
XWWRQ
F
6
HOHFW WKH QXPEHU \RX ZDQW WR FDOO DQG SUHVV WKH
7
D
ON
E
XWWRQ
)RU PRUH LQIRUPDWLRQ DERXW FRQWDFW OLVW DEEUHYLDWLRQV VHH)RU PRUH LQIRUPDWLRQ DERXW FRQWDFW OLVW DEEUHYLDWLRQV VHH
&
KDSWHU
&
RQWDFWV
&
DOHQGDUDQG7DVN
V&
KDSWHU
&
RQWDFWV
&
DOHQGDUDQG7DVN
V
0D
N
LQJDFD
OO
XVLQJDUHFHQW
O
\
G
LD
O
H
G
QXP
E
H
U
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
7
D
ON
EXWWRQWRGLVSOD\DOLVWR
I
UHFHQW
O
\
GL
D
O
H
G
S
K
RQHQXP
E
HUV
6
HOHFWWKHQXPEHURUHQWU\
I
RUWKHSHUVRQWRFDOODQGSUHVVWKH
7
D
ON
E
XWWRQDJD
L
Q
0DNLQJDFDOO
I
URPWKH&DOO+LVWRU\OLV
W
2
Q WKH
+
RP
H
VFUHHQ SUHVV W
K
H
6
WDU
W
VR
I
W NH\
6
HOHFW
&
DOO
+L
VWRU
\
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6HOHFWWKHQXPEHURUHQWU\IRUWKHSHUVRQWRFDOODQGSUHVVWKH
7
D
ON
E
XWWRQDJD
L
Q
0DNLQJDFDOO
I
URPDK\SHUOLQ
N
:K
HQ\RXVHHDQXQ
G
HU
OL
QH
G
S
K
RQHQXP
E
HUSUHVHQWH
G
DVD
K\
SHU
OL
Q
N
L
QDQHPD
LO
PHVVDJH
M
XVWVFUR
OO
WR
L
WDQ
G
SUHVVW
K
H
$
FW
L
R
Q
E
XWWRQWRPD
N
HW
K
HFD
OO
0D
N
LQJHPHUJHQF\FD
OOV
&
DOOV WR HPHUJHQF\ VHUYLFH QXPEHUV FDQ EH PDGH XQGHU DQ\
FLUFXPVWDQFHVHYHQL
I
\RXKDYHORFNHGWKH58,0FDUGDQG
R
U
\RXUS
K
RQH
7
RS
O
DFHDQHPHUJHQF\FD
OO
'L
D
O
W
K
HHPHUJHQF\QXP
E
HUDSSURSU
L
DWH
I
RU\RXUORFDWLRQDQGSUHVVWKH
7
D
ON
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
7
7
7
5HFHLYLQJDFDOO
:KHQ\RXUHFHLYHDFDOOWKHQDPHDQGQXPEHUR
I
WKHFDOOHUDUH
GLVSOD\HGRQWKHVFUHHQ,
I
WKHQDPHR
I
WKHFDOOHULVQRWLQ\RX
U
FRQWDFW
OL
VWRQ
O
\W
K
HFD
OO
HU
VS
K
RQHQXP
E
HU
L
V
GL
VS
O
D\H
G
<
RXFDQ
DQVZHUDFD
OO
E
\SUHVV
L
QJW
K
H
7
D
ON
E
XWWRQRUW
K
H
$
FFHS
W
VR
I
WNH\
,
I
GRQWZDQWWRWDNHWKHFDOOSUHVVWKH
5
H
M
HF
W
VR
I
WNH\
6HOHFWLQJ6HOHFWLQJ
5
H
M
HF
W5
H
M
HF
W
ZLOOFRQQHFWWKHFDOOHUWR\RXUYRLFHPDLOLI\RXZLOOFRQQHFWWKHFDOOHUWR\RXUYRLFHPDLOLI\RX
VX
E
VFU
LE
HWRW
KL
VVHUY
L
FH
VX
E
VFU
LE
HWRW
KL
VVHUY
L
FH
$QVZHULQJDVHFRQGFDOOXVLQJ&DOO:DLWLQJ
,
I
\RXDUHDOUHDG\WDONLQJRQWKHSKRQHZKHQ\RXUHFHLYHDFDOO
SUHVVW
K
H
$
FFHS
W
VR
I
WNH\RUWKH
7
D
ON
EXWWRQWRSODFHWKH
¿
UVWFDOO
RQ
K
R
OG
DQ
G
DQVZHUW
K
HVHFRQ
G
FD
OO
,
I
\RXZDQWWRHQGWKH
¿
UVWFDOOEH
I
RUHDQVZHULQJWKHLQFRPLQJFDOO
SUHVVW
K
H
(
Q
G
E
XWWRQDQ
G
W
K
HQSUHVVW
K
H
$
FFHS
W
VR
I
WNH\RUWKH
7
D
ON
E
XWWRQWRDFFHSWW
K
H
L
QFRP
L
QJFD
OO
5HMHFWLQJD&D
OO
:DLWLQJFD
OO
,
I
\RXDUHDOUHDG\WDONLQJRQWKHSKRQHZKHQ\RXUHFHLYHDFDOO
DQ
G
\RX
G
RQ
WZDQWWRDQVZHU
L
WSUHVVW
K
H
5
H
M
HF
W
VR
I
WNH\7KLVZLOO
N
HHS\RXUFXUUHQWFD
OO
L
QSURJUHVV
E
XWZ
LOO
FRQQHFWW
K
HFD
OO
ZD
L
W
L
QJ
FDOOHUWR\RXUYRLFHPDLOL
I
\RXVXEVFULEHWRWKLVVHUYLFH
,QFD
OO
RSWLRQ
V
7KH
I
ROORZLQJWDEOHVKRZVWKHPHQXRSWLRQVDYDLODEOHZKHQDFDOO
LV LQ SURJUHVV
6
RPH R
I
WKHVH RSWLRQV DUH RQO\ DYDLODEOH ZKHQ
PXOWLSOHFDOOVDUHLQSURJUHVVRUGXULQJDFRQ
I
HUHQFHFDOO
0
HQXR
S
W
L
R
Q0
HQXR
S
W
L
R
Q
)
XQFW
L
R
Q)
XQFW
L
R
Q
(
Q
G
'L
VFRQQHFWVW
K
HFD
OO
+
R
OG
3O
DFHVW
K
HDFW
L
YHFD
OO
RQ
K
R
OG
8
Q
K
R
OG
$
FW
L
YDWHVW
K
HFD
OO
RQ
K
R
OG
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
5HWULHYLQJDYRLFHPDLOPHVVDJH
&DOOLQJ\RXUYRLFHPDLOER[
2QWKH+RPHVFUHHQSUHVVDQGKROGWRFDOO\RXUYRLFHPDLOER[
DQGIROORZWKHSURPSWVWRUHWULHYH\RXUPHVVDJHV
$FFHVVLQJYRLFHPDLOIURP,QER[
2QWKH+RPHVFUHHQSUHVV WKH 6WDUW VRIWNH\6HOHFW ,QER[
DQGSUHVVWKH$FWLRQEXWWRQ
6HOHFWWKHYRLFHPDLOPHVVDJHDQGSUHVVWKH9RLFH0DLOVRIWNH\
RUWKH7DONEXWWRQ<RXUYRLFHPDLOV\VWHPLVWKHQGLDOHG
0HQXRSWLRQ )XQFWLRQ
6ZDS 6ZLWFKHVEHWZHHQWZRFDOO
6DYH&RQWDFWV &UHDWHVDFRQWDFWIRUWKHFDOO
&RQIHUHQFH -RLQVWRJHWKHUDOOH[LVWLQJFDOOVLI\RXKDYH
VXEVFULEHGWRWKLVVHUYLFH
3ULYDWH %UHDNV RQH FDOO RXW RI D FRQIHUHQFH DQG
PDNHVWKLV FDOO DFWLYH ZKLOHWKHUHVW RI WKH
FRQIHUHQFHLVRQKROG
6SHDNHUSKRQH ,QFUHDVHVWKHYROXPHRIHDUSKRQH
0XWH 0XWHVWKHPLFURSKRQHIRUWKHDFWLYHFDOO7KH
RWKHUSDUW\ZLOOQRWKHDUDQ\WKLQJ\RXVD\EXW
\RXFDQVWLOOKHDUWKHRWKHUSDUW\
8QPXWH 7XUQV WKH PLFURSKRQH EDFN RQ IRU WKH DF
WLYHFDOO
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
5HYLHZLQJ\RXUFDOOV
8VLQJ
&
DOO+LVWRU\DQG
&
DOO7LPHUV\RXFDQYLHZLQ
I
RUPDWLRQDERXW
S
K
RQHFD
OO
VW
K
DW\RX
K
DYHPD
G
HDQ
G
UHFH
L
YH
G
)
RUH[DPS
O
H\RX
FDQVHHZKRKDVFDOOHG\RXUHFHQWO\DQG
¿
QGRXWKRZPXFKWLPH
\RXKDYHVSHQWWDONLQJRQWKH
6
PDUWSKRQH
&D
OO
+LVWRU
\
&
DOO+LVWRU\GLVSOD\VWKHODVWFDOOVWKDW\RXKDYHPDGHUHFHLYHG
DQGPLVVHG(DFKHQWU\LQ
&
DOO+LVWRU\FRQWDLQVWKHVWDUWWLPHR
I
WKHFDOOWKHGXUDWLRQWKHFDOOHUVQDPHL
I
DYDLODEOHDQGWKHFDOOHUV
QXPEHU7KHROGHVWFDOOVDUHDXWRPDWLFDOO\GHOHWHG
I
URPWKHOLVWWR
PDNHURRP
I
RUWKHQHZHVWFDOOV
7RYLHZ
&
DOO+LVWRU\
2
QWKH
+
RPHVFUHH
Q
SUHVV
6
WDU
W
VH
O
HFW
&
DOO+LVWRU
\
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
<RXFDQ
¿
OWHU0LVVHG
&
DOOV,QFRPLQJ
&
DOOVDQG
2
XWJRLQJ
&
DOOV<RXFDQ
¿
OWHU0LVVHG
&
DOOV,QFRPLQJ
&
DOOVDQG
2
XWJRLQJ
&
DOOV
3
UHVVW
K
H
3
UHVVW
K
H
0
HQ
X0
HQ
X
VR
I
WNH\VHOHFWVR
I
WNH\VHOHFW
)LO
WH
U)LO
WH
U
SUHVVW
K
HSUHVVW
K
H
$
FW
L
R
Q$
FW
L
R
Q
E
XWWRQ
E
XWWRQ
DQGVHOHFWWKH
¿
OWHU\RXZDQW
DQGVHOHFWWKH
¿
OWHU\RXZDQW
7RYLHZFRQWDFWLQ
I
RUPDWLRQ
I
URP
&
DOO+LVWRU\
6
HOHFWWKHHQWU\
I
RUWKHFRQWDFWSUHVVWKH
0
HQ
X
VR
I
WNH\VHOHFW )LQG
&
RQWDF
W
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
7R VHQG DQ HPDLO PHVVDJH
I
URP
&
DOO +LVWRU\
6
HOHFW WKH
FRQWDFWSUHVVW
K
H
0
HQ
X
VR
I
WNH\VHOHFW
(
PD
LO
DQ
G
W
K
HQSUHVV
W
KH
$
FW
L
R
Q
EX
WW
R
Q
7RFUHDWHDQHZFRQWDFW
I
URPDQXPEHULQ
&
DOO+LVWRU\
6
HOHFW
WKHFRQWDFWSUHVVWKH 0
H
Q
X
VR
I
WNH\VHOHFW
6D
Y
H
WR
&R
Q
WDFWV
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
7RUHPRYHDQLWHP
I
URP
&
DOO+LVWRU\
6
HOHFWWKHLWHPSUHVV
W
K
H
0
HQ
X
VR
I
WNH\VHOHFW
'
H
O
HW
H
DQ
G
W
K
HQSUHVV W
K
H
$
FW
L
R
Q
E
XWWRQ
7RUHPRYHDOOLWHPVLQ
&
DOO+LVWRU\
3
UHVVW
K
H
0
HQ
X
VR
I
WNH\
VH
O
HFW
'
H
O
HWH/
L
V
W
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
&DOO7LPHUV
&
DOO7LPHUVJLYHV\RXGHWDLOHGLQ
I
RUPDWLRQUHJDUGLQJWKHOHQJWKR
I
\RXUODVWFDOOWKHWRWDOQXPEHUR
I
FDOOVPDGHDQGUHFHLYHGFDOOV
E\W\SH
LQFRPLQJRXWJRLQJURDPLQJDQGGDWD
DQGDOL
I
HWLPH
FRXQ
W
HU
&
DOO7LPHUVLV XVH
I
XO
I
RUNHHSLQJ WUDFN R
I
\RXU FDOOLQJ SDWWHUQV
I
RUH[DPSOHWRGHWHUPLQHZKDWW\SHR
I
FDOOLQJSODQ\RXZDQW,W
FDQD
O
VR
K
H
O
S\RX HVW
L
PDWH\RXU PRQW
KO
\
ELOOL
QJ
<
RXFDQ UHVHW
&
DOO7LPHUVWR]HUR
I
RUH[DPSOHWRVWDUWWLPLQ
J
FDOOV
I
RUDQHZ
PRQW
KO
\
ELOOL
QJF\F
O
H
7RYLHZ
&
DOO7LPHUV
2
QWKH+RPHVFUHHQ
SUHVVW
K
H
6
WDUWVR
I
WNH\VHOHFW
&
DOO+LVWRU
\
SUHVVW
K
H
0
HQ
X
VR
I
WNH\VHOHFW
9L
HZ
7L
PHU
V
DQGWKHQSUHVVWKH $FWLRQEXWWRQ
6KRUWFXWVVSHHG
G
LD
O
V
<RXFDQFUHDWHVSHHGGLDOVWRGLDO
I
UHTXHQWO\FDOOHGSKRQHQX
P
E
HUV
E
\
5
8,0
S
O
\SUHVV
L
QJDQ
G
K
R
OGL
QJRQHRUWZR
N
H\V
<
RXPD\
FKRRVHVSHHGGLDOHQWULHV
I
URPVSHHGGLDOLVUHVHUYHG
I
R
U
YRLFHPDLODFFHVVDQGWKHQXPEHULVFRQ
¿
JXUHGLQ\RXUVHWWLQJV
<RXFDQFUHDWHDVSHHGGLDORQO\
I
RUDSKRQHQXPEHUHPDLO<RXFDQFUHDWHDVSHHGGLDORQO\
I
RUDSKRQHQXPEHUHPDLO
DGGUHVVRU:HESDJHDGGUHVVWKDWLVVWRUHGLQ
&
RQWDFWV
DGGUHVVRU:HESDJHDGGUHVVWKDWLVVWRUHGLQ
&
RQWDFWV
&UHDWLQJDVSHHGGLDO
I
RUDSKRQHQXPEH
U
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
6
WDU
W
VR
I
WNH\VHOHFW
&
RQWDFW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6
HOHFWWKHSKRQHQXPEHUWRVHWXSDVDVSHHGGLDOWKHQRSHQLW
3
UHVVW
K
H
0
HQ
X
VR
I
WNH\VHOHFW $GG
6
SHHG'LD
O
DQ
G
W
K
HQSUHVV
W
K
H
$
FW
L
R
Q
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
8
Q
G
H
U
.
H\SD
G
DVV
L
JQPHQ
W
HQWHU W
K
H VSHH
G
GL
D
O
QXP
E
HU WR
DVVRF
L
DWH Z
L
W
K
W
K
H S
K
RQH QXP
E
HU DQ
G
SUHVV W
K
H
'
RQ
H
VRI
W
N
H\
<RXFDQDOVRFUHDWHVSHHGGLDOV
I
RU:HEDGGUHVVHVDQGHPDLO<RXFDQDOVRFUHDWHVSHHGGLDOV
I
RU:HEDGGUHVVHVDQGHPDLO
DGGUHVVHVWKDWDUHVWRUHGLQ
&
RQWDFWV
DGGUHVVHVWKDWDUHVWRUHGLQ
&
RQWDFWV
0D
N
LQJDFD
OO
XVLQJDVSHH
G
G
LD
O
2
QWKH
+
RP
H
VFUHHQSUHVVDQ
G
K
R
OG
W
K
HQXP
E
HURQW
K
H
N
H\SD
G
WKDW\RXKDYHDVVLJQHGDVDVSHHGGLDO
I
RUDQXPEHU,
I
WKHNH\SDG
DVVLJQPHQWLVWZRGLJLWVSUHVVWKH
¿
UVWGLJLWDQGSUHVVDQGKROG
W
K
HVHFRQ
G
GL
J
L
W
9LHZLQJVSHH
G
G
LD
O
V\RX
K
DYHFUHDWH
G
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H6WDU
W
VR
I
WNH\VHOHFW
0
RU
H
VH
O
HFW
6
KRUWFXW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
'H
O
HWLQJV
K
RUWFXW
V
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
6
WDU
W
VR
I
WNH\VHOHF
W
0
RU
H
VH
O
HFW
6
KRUWFXW
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6
HOHFWWKHVKRUWFXW WR GHOHWHSUHVVWKH
0
HQ
X
VR
I
WNH\ VHOHFW
'
H
O
HW
H
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
$
G
YDQFH
G
G
LD
O
LQJRSWLRQ
V
7KH
I
ROORZLQJLQ
I
RUPDWLRQFRYHUVDGYDQFHGGLDOLQJRSWLRQVWKDW
PD\ EH XVH
I
XO
I
RU SKRQH QXPEHUV UHTXLULQJ VSHFLDO GLDOLQJ L
Q
VWUXFW
L
RQV
,QVHUWLQJDQLQWHUQDWLRQD
O
FRXQWU\FR
GH
,
QWHUQDW
L
RQD
O
FD
OO
VUHTX
L
UHDFRXQWU\FR
G
HWR
E
H
L
QF
O
X
G
H
G
L
QW
K
H
SKRQHQXPEHU$SOXV
VLJQPXVWDSSHDU
¿
UVW
I
ROORZHGE\WKH
FRXQWU\FRGHDQGWKHUHVWR
I
WKHSKRQHQXPEHU7RHQWHUWKHSOXV
V
L
JQSUHVVDQ
G
K
R
OG
XQW
LO
DSSHDUV
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
,QVHUWLQJDWKUHHVHFRQGSDXVHLQDGLDOLQJ
VHTXHQFH
6RPHLQWHUQDWLRQDOFDOOVUHTXLUHDWKUHHVHFRQGSDXVHLQWKHGLDO
LQJVHTXHQFHIRUWKHFDOOWRSURFHVVVXFFHVVIXOO\
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW&RQWDFWV
DQGWKHQSUHVVWKH$FWLRQEXWWRQ
6HOHFWWKHFRQWDFWZKRVHSKRQHQXPEHU\RXZDQWWR LQVHUW D
SDXVHDQGSUHVVWKH$FWLRQEXWWRQ
3UHVVWKH(GLWVRIWNH\DQGSUHVVWKHQDYLJDWLRQSDGOHIWRUULJKW
WR PRYH WKH FXUVRU EHWZHHQ WKH QXPEHUV ZKHUH \RX ZDQW WR
LQVHUWDWKUHHVHFRQGSDXVH
3UHVVWKH0HQXVRIWNH\VHOHFW,QVHUW3DXVHDQGWKHQSUHVV
WKH$FWLRQEXWWRQ7KHOHWWHUSZLOODSSHDULQWKHQXPEHUWR
VKRZ ZKHUH WKH WKUHHVHFRQG SDXVH ZLOO RFFXU LQ WKH GLDOLQJ
VHTXHQFH
3UHVVWKH'RQHVRIWNH\
(QDEOLQJ$Q\.H\DQVZHU
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW6HWWLQJV
VHOHFW&DOO2SWLRQVDQGWKHQSUHVVWKH$FWLRQEXWWRQ
7LFNWKHER[QH[WWR$Q\.H\$QVZHUWKHQ'RQH
*HWWLQJQRWL¿FDWLRQZKHQYRLFHSULYDF\LV
QRWDYDLODEOH
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW6HWWLQJV
VHOHFW&DOO2SWLRQVDQGWKHQSUHVVWKH$FWLRQEXWWRQ
7LFN WKH ER[ QH[W WR 1RWLI\ PH ZKHQ YRLFH SULYDF\ LV QRW
DYDLODEOHWKHQ'RQH
6PDUWSKRQH8VHU0DQXDO
8VLQJ
\RXUSKRQH
&KDSWHU
8VLQJ\RXUFDPHUD
&DPHUDDQG9LGHR5HFRUGHU
$OEXP
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
&DPHUDDQG9LGHR5HFRUGHU
:KHQLQ&DPHUDPRGH\RXFDQFDSWXUHVWLOOLPDJHVRQHDWD
WLPH2UVZLWFKWR9LGHR&DSWXUHPRGHDQGFDSWXUH³OLYH´YLGHR
VWUHDPVZLWKDXGLR LIGHVLUHGWKHQVKDUHWKHP ZLWKRWKHUVRU
SOD\WKHPRQ\RXURZQ6PDUWSKRQHVFUHHQZKHQHYHU\RXZDQW
<RXFDQHYHQVHQGWKHFDSWXUHG¿OHVYLD(PDLO-XVW³VQDSDQG
VHQG´DQHZO\FDSWXUHGLPDJHRU³VHOHFWDQGVHQG´DQH[LVWLQJ
LPDJH$QG\RXFDQVHWDQ\LPDJHWREHXVHGDVWKHEDFNJURXQG
LPDJHIRU\RXU+RPHVFUHHQ
)RUVWLOOLPDJHFDSWXUH\RXFDQVSHFLI\DFDSWXUHVL]HWKHGHVWLQD
WLRQVWRUDJHPHGLDIRUVDYHG¿OHVUHQDPHWKHPDIWHUFDSWXULQJ
WKHPDQGDQRXWSXWTXDOLW\WKHRXWSXWIRUPDWIRULPDJHFDSWXUHLV
-3(*7KHQXPEHURILPDJHV\RXFDQVWLOOFDSWXUHDFFRUGLQJWR
DYDLODEOHPHPRU\DQG\RXUFXUUHQWVHWWLQJVLVDOZD\VGLVSOD\HG
<RXFDQDOVRXVHÀDVKRUWKHYLGHGROLJKWWRWDNHSLFWXUHVLQGLP
FRQGLWLRQV
6XSSRUWHG)LOH)RUPDWV
)LOH7\SH )RUPDWV
6WLOOLPDJH
IRUPDWV
%03*,)-3(*
$QLPDWLRQ
IRUPDW
$QLPDWHG*,)
9LGHR
IRUPDW
0RWLRQ-3(*$9,DYL
03(*6LPSOHSUR¿OHPS
*33±+EDVHOLQHJS
$XGLR
IRUPDWV
03(*$$&$GYDQFHG$XGLR&RGLQJLQ03IRUPDW
$051%1DUURZEDQGLQ03DQG*3IRUPDW
:$9
0,',VWDQGDUG0,',W\SHDQG630,',
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
8VLQJ<RXU&DPHUD
7R2SHQ&DPHUDRU9LGHR5HFRUGHU
3
UHVVW
K
H
K
DU
G
ZDUH
E
XWWR
Q
RQWKHVLGHR
I
WKHGHYLFH
%\GH
I
DXOWWKH
¿
UVWWLPH\RXJRWR
&
DPHUDLWZLOOEHLQ,PDJH%\GH
I
DXOWWKH
¿
UVWWLPH\RXJRWR
&
DPHUDLWZLOOEHLQ,PDJH
PR
G
H
7
RF
K
DQJHWRPR
G
H
7
RF
K
DQJHWR
9LG
H
R9LG
H
R
SUHVVW
K
HSUHVVW
K
H
0
HQ
X0
HQ
X
&
DSWXUH0RG
H&
DSWXUH0RG
H
W
K
HQW
K
HQ
9LGH
R
9LGH
R
2
QWKH
+
RP
H
VFUHHQ L
I
LQ WKH OLVW R
I
UHFHQWO
\
XVHG SUR
J
UDPV
SUHVV
2QWKH +RPH
6
FUHH
Q
SUHVV
6
WDU
W
N
H\
0
RU
H
W
K
HQ
&
DPFRUGH
U
RU
&
DPHU
D
7R
&
DSWXUHD S
L
FWXUH
*
RWR
&
DPHU
D
3
UHVV
&
DSWXU
H
W
K
HFDPHUD
K
DU
G
ZDUH
E
XWWRQR
U
$
FW
L
R
Q
7KH
¿
OH LV VDYHG LPPHGLDWHO\ LQ WKH -3(
*
¿
OH
I
RUPDW WR WKH
VWRUDJHPHGLD
¿
OHQDPHFRQYHQWLRQRXWSXWTXDOLW\DQG
&
DSWXUH
6
L]HWKDW\RXKDYHVSHFL
¿
HGLQ
2
SWLRQ
V
7R
&
DSWXUHD YL
G
HRF
O
LS
*
RWR
&D
P
FR
U
GHU
3
UHVV
&
DSWXU
H
W
K
HFDPHUD
K
DU
G
ZDUH
E
XWWRQR
U
$
FW
L
R
Q
:KHQ
¿
QLVKHGSUHVV
6
WR
S
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
7RVHQGGHOHWHVDYHDVSKRWRFRQWDFWDQGUHQDPH
LPPHGLDWHO\DIWHUFDSWXUH
3
UHVV
0
HQ
X
W
K
HQ
2
SWLRQ
V
*
HQHUD
O
DQ
G
F
K
HF
N
5
HY
L
H
Z
FDSWXUHG
¿
O
H
7
D
N
HDS
L
FWXUH
,QWKHFRQ
¿
UPDWLRQVFUHHQSUHVV
%
DF
N
WRFRQ
¿
UPDQGUHWXUQWR
W
K
HFDPHUD
7
R
G
H
O
HW
H
VHQ
G
V
DYHDV3KRWR
&
RQWDF
W
RU
UHQDPH
SUHVV
0
HQX
WKHQ
I
ROORZWKHRSWLRQVWKHUH
5HYLHZLQJ D
I
WHU FDSWXULQJ GRHVQW LQFOXGH WKH RSWLRQ WR YLHZ5HYLHZLQJ D
I
WHU FDSWXULQJ GRHVQW LQFOXGH WKH RSWLRQ WR YLHZ
SURSHUW
L
HV]RRPRUURWDWH
<
RXPXVWJRWR
$OE
XP
7K
XP
E
QD
LO
VSURSHUW
L
HV]RRPRUURWDWH
<
RXPXVWJRWR
$OE
XP
7K
XP
E
QD
LO
V
WR
G
RW
K
DW
WR
G
RW
K
DW
7RJRWRWKHODVWFDSWXUHG
¿
OHDQGHGLW
,
Q
&
DPHU
D
SUHVVW
K
H
N
H\
3
UHVV
0
HQX WRSHU
I
RUPDQDFWLRQ
&
DPHU
D
W
RUH
W
XUQ
W
RFDPHUD
RU
7K
XP
E
QD
LOV
WRUHWXUQWR
$OE
XP
)ODVK/LJKW
*
RWR
&
DPHU
D
RU
&
DPFRUGH
U
SUHVV
0
HQ
X
W
K
HQ
)O
DV
KOL
J
KW
6
HOHF
W
2Q
RU
2II
W
K
HQSUHVV
$
FW
L
R
Q
7R=RRPLQDQ
G
RXW
*
RWR
&
DPHU
D
RU
&
DPFRUGH
U
SUHVV
0
HQ
X
W
K
HQ
=
RR
P
6
HOHFW
[
[RU
[WKHQSUHVV
$
FW
L
R
Q
*
RWR
&
DPHU
D
RU
&
DPFRUGH
U
W
K
HQSUHVVW
K
HQDY
L
JDW
L
RQVW
L
F
N
XSRU
G
RZQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
6XEPRGH &DSWXUH6L]H6HWWLQJ =RRP
9LGHR [ [[
[ [
,PDJH [ [[[
[ [[
[ [
7R6ZLWFKEHWZHHQFDPHUDDQG&DPFRUGHUPRGH
*R WR &DPHUD RU &DPFRUGHU SUHVV 0HQX WKHQ &DSWXUH
0RGH
6HOHFW,PDJHRU9LGHRWKHQSUHVV$FWLRQ
7R$GMXVWWKH+XH6DWXUDWLRQ*DPPD
*R WR &DPHUD RU &DPFRUGHU SUHVV
0HQX WKHQ $PELHQFH DQG $GMXVW
9LHZ
7R VHOHFW RQHRIWKH DERYH RSWLRQVIRU
H[DPSOH&RQWUDVWSUHVVWKHQDYLJDWLRQ
SDGXSRUGRZQXQWLOLWDSSHDUVEHORZWKH
VFUHHQ
3UHVV WKH QDYLJDWLRQ SDG WR WKH OHIW RU
ULJKWWRDGMXVWWKHOHYHOWKHQSUHVVWKH2.VRIWNH\
7RVZLWFKWR*UD\VFDOH6HSLD&RROHIIHFWV
*RWR&DPHUDRU&DPFRUGHUSUHVVWKH0HQXVRIWNH\WKHQ
$PELHQFHDQG(IIHFWV
$JDLQSUHVVWKH0HQXVRIWNH\WKHQ$PELHQFHDQGWKLVWLPH
$GMXVW9LHZWRVHH\RXUHIIHFWVRSWLRQV
3UHVVWKH0HQXVRIWNH\VHOHFWDVW\OHDQGWKHQSUHVV$FWLRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
7RFKDQJHWKHLPDJHFDSWXUHVL]HWXUQLQJRIIWKH
6QDSVRXQGRUFKDQJLQJWKH,PDJH¿OHQDPHSUH¿[
*RWR&DPHUDSUHVVWKH0HQXVRIWNH\WKHQ2SWLRQV
,Q2SWLRQVVHOHFW,PDJHPDNHDQDGMXVWPHQWWKHQ'RQH
7RFKDQJHWKHYLGHRFDSWXUHVL]HWXUQLQJRIIDQGRQ
DXGLRRUFKDQJLQJWKH,PDJH¿OHQDPHSUH¿[
*RWR&DPHUDRU&DPFRUGHUSUHVVWKH0HQXVRIWNH\WKHQ
2SWLRQV
,Q2SWLRQVVHOHFW,PDJHPDNHDQDGMXVWPHQWWKHQ'RQH
7R$GMXVWIRUGLIIHUHQWOLJKWFRQGLWLRQV
*RWR&DPHUDRU&DPFRUGHUSUHVVWKH0HQXVRIWNH\WKHQ
$PELHQFH
6HOHFWIURP$XWR'D\OLJKW,QFDQGHVFHQW)OXRUHVFHQWRU'LP
WKHQSUHVV$FWLRQ
7RVSHFLI\ZKHUHWRVWRUHSLFWXUHV
*RWR&DPHUDRU&DPFRUGHUSUHVVWKH0HQXVRIWNH\WKHQ
2SWLRQV
6HOHFW*HQHUDOWKHQ6WRUDJHDQG,QWHUQDOPHPRU\RU6WRUDJH
&DUG
$OEXP
9LHZ LPDJHV DQG WKXPEQDLOVYLHZ WKHP LQ DQ HQODUJHG PRGH
=RRPLQWRVHHPRUHGHWDLO=RRP2XWWRUHGXFHWKHP,PDJHVWKDW
DUHWRRODUJHWR¿WLQWRWKHYLHZLQJDUHDFDQEHSDQQHGLQWRYLHZ
)OLSXSGRZQÀLSOHIWULJKWURWDWHOHIWURWDWHULJKWYLHZLQDFWXDO
RQHWRRQH SL[HO VL]H RU ¿WWRZLQGRZ )RU \RXU FRQYHQLHQFH
PDQ\ RI WKH IXQFWLRQV FDQ EH DFWLYDWHG XVLQJ WKH 6PDUWSKRQH
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
NH\SDGDUURZ NH\V DV ZHOO DV WKH PHQXV ,Q DGGLWLRQ
ZKHQ&DPHUD:L]DUGVHDUFKHVIRULPDJHV\RXFDQFKRRVH
ZKHWKHURUQRWWRVKRZWKXPEQDLOVRIWKHLPDJHVWKDWKDYH
EHHQ³EXUQHGLQWR´520VXFKDVV\VWHPLFRQV
3UHVV6WDUW0RUHWKHQ$OEXP
,Q &DPHUD DQ\WLPH \RX VHH WKH ZRUG
7KXPEQDLOVSUHVVWRJRWR$OEXP
7RSOD\EDFNDXGLRDQGYLGHR¿OHVRUYLHZFDSWXUHV
*RWR$OEXPVHOHFWDSLFWXUHRUDXGLRYLGHR
¿OHWKHQSUHVVWKH$FWLRQEXWWRQ
=RRPLQJRUURWDWLQJ
*R WR $OEXP VHOHFW D ¿OH DQG SUHVV
$FWLRQWRYLHZRUSOD\LWEDFN
3UHVV 0HQX WKHQ 9LHZ DQG =RRP ,Q =RRP 2XWRU
5RWDWHLI LW LVDYLGHR ¿OH ¿UVWSUHVV 6WRS PDNH\RXU
FKDQJHVWKHQ3OD\
7R9LHZSURSHUWLHV
,Q7KXPEQDLOYLHZSUHVV0HQXDQGWKHQ3URSHUWLHV
,Q'HWDLOHGYLHZSUHVV0HQX9LHZWKHQ3URSHUWLHV
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
7RVHQGGHOHWHVDYHDVSKRWRFRQWDFWVDQGUHQDPHLQ
$OEXP
,QHLWKHU7KXPEQDLORU'HWDLOHGYLHZSUHVV0HQXWKHQVHOHFWDQ
RSWLRQDQGIROORZWKHLQVWUXFWLRQV
7R9LHZDVDVOLGHVKRZ
,Q7KXPEQDLOYLHZSUHVV0HQXDQGWKHQ6OLGH6KRZ
7RFXVWRPL]HWKHVOLGHVKRZ
,Q7KXPEQDLO YLHZSUHVV0HQXDQG WKHQ
6OLGH 6KRZ <RX DUH VKRZQ WKH IROORZLQJ
RSWLRQV
D &KDQJHWKHWLPHIRUZKLFKHDFKLPDJH
LVGLVSOD\HG
E &KDQJHWKHGLUHFWLRQRIURWDWLRQ
F &KDQJHWKHRUGHURISOD\
G 2SW WR NHHS EDFNOLJKW RQ GXULQJ WKH
VOLGHVKRZ
H 2SWIRUIXOOVFUHHQZKHQSOD\LQJWKHVOLGHVKRZ
7RYLHZLQJDOO\RXURSWLRQV
,Q7KXPEQDLOYLHZSUHVV0HQX2SWLRQV
,Q*HQHUDO\RXKDYHWKHIROORZLQJRSWLRQFKRLFHV
D 7RVFDQVXEIROGHU¿OHV
E +LGH520¿OHV
F .HHSEDFNOLJKWRQZKLOHSOD\LQJYLGHR
G 0XWHZKLOHSOD\LQJYLGHR¿OH
H 5HSHDWZKLOHSOD\LQJYLGHRDXGLRRU*,)DQLPDWLRQ¿OHV
I 6KRZSURJUHVVEDU
J 6HOHFWDQDXWRURWDWHRSWLRQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
,Q7UDQVLWLRQ(IIHFWV\RXKDYHWKHIROORZLQJRSWLRQV
D 'HFLGHRQDQHIIHFWWRPRYHEHWZHHQVOLGHVRIWKHVOLGH
VKRZ
E 6HOHFWDVSHHG
F 6RUWE\OHWV\RXVRUWWKHVFUHHQLQWKHIROORZLQJZD\V
G 6HOHFWEHWZHHQ'DWH1DPH6L]HDQG7\SH
H 'HFLGHEHWZHHQ'HVFHQGLQJDQG$VFHQGLQJ
7KXPEQDLOVKDVWKHIROORZLQJRSWLRQV
D 6HOHFWDVL]HIRUWKXPEQDLOV
E 6HOHFWWRVKRZLQGH[QXPEHURULQIRUPDWLRQ
F *RWR$VVRFLDWLRQWRVHOHFWWKHW\SHRI¿OHV\RXZDQW
WRGLVSOD\
7RFKDQJHIROGHUV
3UHVV0HQXWKHQ&KDQJH)ROGHU
1DYLJDWHWKURXJKWKHIROGHUVWR¿QGZKHUH\RXU¿OHVDUH
7R9LHZWKHIXOOVFUHHQ
'XULQJDVOLGHVKRZRUZKLOHORRNLQJDWD¿OHLQ'HWDLOHG
YLHZSUHVVWRGLVSOD\WKHIXOOVFUHHQ
3UHVVDJDLQWRUHWXUQWKHWRROEDUVWRWKHVFUHHQ
6PDUWSKRQH8VHU0DQXDO
8VLQJ\RXU
FDPHUD
&KDSWHU
3HUVRQDOL]LQJ\RXU
SKRQH
&KDQJLQJVHWWLQJV
'DWD&RQQHFWLRQV
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
&KDQJLQJVHWWLQJV
<RX FDQ HDVLO\ YLHZ DQG FKDQJH VHWWLQJV WR SHUVRQDOL]H \RXU
SKRQHIRUWKHZD\\RXZRUN)RUH[DPSOH\RXFDQXVH\RXURZQ
VRXQGVIRUULQJWRQHVXVH\RXURZQLPDJHIRUWKH+RPHVFUHHQ
EDFNJURXQGVHWXS&DOO)RUZDUGLQJWRPDQDJH\RXUFDOOVPRUH
HI¿FLHQWO\DQGPRUH
9LHZLQJ6HWWLQJV
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW6HWWLQJV
DQGWKHQSUHVVWKH$FWLRQEXWWRQ
7RYLHZWKHUHPDLQLQJVHWWLQJVVHOHFW0RUHDQGSUHVVWKH$FWLRQ
EXWWRQ
7HOHSKRQ\
7HOHSKRQ\VHWWLQJVDUHSULPDULO\XVHGWRVHWRSWLRQVIRUFDOOV\RX
UHFHLYHVXFKDV&DOO)RUZDUGLQJ&DOO:DLWLQJDQG&DOOHU,'
7RYLHZWHOHSKRQ\VHWWLQJV3UHVVWKH6WDUWVRIWNH\RQWKH+RPH
VFUHHQVHOHFW6HWWLQJVVHOHFW3KRQHDQGWKHQSUHVVWKH$F
WLRQEXWWRQ
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
6RXQGV
6RXQGVVHWWLQJVDUHXVHGWRFXVWRPL]HWKHVRXQGVIRUULQJWRQHV
QRWL¿FDWLRQVDQGUHPLQGHUV
7RGLVSOD\6RXQGVVHWWLQJV2QWKH+RPHVFUHHQSUHVVWKH
6WDUWVRIWNH\VHOHFW6HWWLQJVVHOHFW6RXQGVDQGWKHQSUHVV
WKH$FWLRQEXWWRQ
7HOHSKRQ\VHWWLQJ )XQFWLRQ
&DOO%DUULQJ (QDEOHV\RXWREORFNLQFRPLQJDQGRU
RXWJRLQJFDOOV
&DOO)RUZDUGLQJ (QDEOHV\RXWRIRUZDUGDOORUVHOHFWHG
FDOOVWRDQRWKHUQXPEHU
&DOO2SWLRQV (QDEOHV \RX WR FKDQJH SKRQH
QXPEHUVVXFKDV\RXUYRLFHPDLODQG
606VHUYLFHFHQWHUDQVZHULQFRPLQJ
FDOOVE\SUHVVLQJDQ\NH\DQGRWKHU
DGYDQFHGFDOORSWLRQV
&DOO:DLWLQJ (QDEOHV \RX WR WXUQ &DOO :DLWLQJ RQ
RURII
&DOOHU,' (QDEOHV\RXWROHW\RXULGHQWL¿FDWLRQ
EH NQRZQ WR DOO FDOOHUV RQO\ \RXU
FRQWDFWVRUQRFDOOHUV
&KDQQHOV (QDEOHV\RXWRFRQ¿JXUHFHOOEURDG
FDVW
)L[HG'LDOLQJ (QDEOHV\RXWROLPLW\RXUFDOOLQJDUHD
WRRQH RU PRUHVSHFL¿F SKRQH QXP
EHUVDQGRUDUHDFRGHV
1HWZRUNV ,GHQWL¿HV \RXU FXUUHQW QHWZRUN DQG
FKDQJHV\RXUQHWZRUNVHOHFWLRQIURP
$XWRPDWLFWR0DQXD
7KHIROORZLQJWDEOHOLVWVWKHWHOHSKRQ\VHWWLQJVDQGWKHLUIXQF
WLRQV
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
7
RXVH\RXURZQVRXQ
G
D
*
R WR ZKHUH \RXU VRXQG
I
LOH LV VWRUHG RQ \RXU GHVNWRS
FRPSXWHUDQGFRS\WKH
¿
OH
E
,
Q $FWLYH
6
\QF RQ \RXU GHVNWRS FRPSXWHU FOLFN
(
[S
O
RU
H
G
RX
EO
HF
OL
F
N
$
SS
OL
FDW
L
RQ
'
DW
D
G
RX
EO
HF
OL
F
N
6
RXQG
V
DQ
G
WKHQSDVWHWKHVRXQG
¿
OHLQWRWKH
6
RXQG
V
I
ROGHU
F
2
QWKH+RPHVFUHHQRQ\RXUSKRQHSUHVVWKH
6
WDU
W
VR
I
WNH\
VH
O
HFW
6
HWWLQJ
V
VH
O
HFW
6
RXQG
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
G
6
HOHFWWKHLWHPWRFXVWRPL]HSUHVVWKHQDYLJDWLRQVWLFNOH
I
W
RUU
L
J
K
WWRVH
O
HFW\RXUVRXQ
G
DQ
G
W
K
HQSUHVVW
K
H
'
RQ
H
VR
I
W
N
H\
<
RXFDQD
O
VRVH
O
HFWW
K
HVRXQ
G
WRXVH
E
\VH
O
HFW
L
QJW
K
H
L
WHP\RX
<
RXFDQD
O
VRVH
O
HFWW
K
HVRXQ
G
WRXVH
E
\VH
O
HFW
L
QJW
K
H
L
WHP\RX
ZDQWWRFXVWRP
L
]HDQ
G
W
K
HQSUHVV
L
QJW
K
HZDQWWRFXVWRP
L
]HDQ
G
W
K
HQSUHVV
L
QJW
K
H
$
FW
L
R
Q$
FW
L
R
Q
E
XWWRQ
7KL
V
E
XWWRQ
7KL
V
ZLOOVKRZWKHFRPSOHWHOLVWR
I
VRXQGVWRFKRRVH
I
URP
ZLOOVKRZWKHFRPSOHWHOLVWR
I
VRXQGVWRFKRRVH
I
URP
3UR¿OHV
3UR
¿
OHVVHWWLQJVDUHXVHGWRFRQ
¿
JXUHKRZ\RXUSKRQHQRWL
¿
HV\RX
R
I
HYHQWVVXFKDVDQLQFRPLQJFDOODQDSSURDFKLQJDSSRLQWPHQW
RUDQDUU
L
Y
L
QJPHVVDJH
)
RUH[DPS
O
HZ
K
HQ\RXDUHDWWHQ
GL
QJD
PHHW
L
QJ\RXFDQF
K
RRVHW
K
H 0HHWLQJSUR
¿
OHZKLFKVLOHQFHVWKH
ULQJR
I
\RXUSKRQHDQGSURYLGHVYLVXDOQRWL
¿
FDWLRQVRQO\:KHQ
\RXDUHZDLWLQJ
I
RUDQLPSRUWDQWFDOO\RXFDQFKRRVHWKH
/
RX
G
SUR
¿
OHZKLFKPDNHV\RXUSKRQHULQJORXGO\
7RYLHZ3UR
¿
OHVVHWWLQJV
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
6
WDU
W
VR
I
WNH\VHOHF
W
6
HWWLQJ
V
VH
O
HFW 3UR
¿
OH
V
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
7KH
I
ROORZLQJWDEOHVKRZVWKHOLVWR
I
SUR
¿
OHVWKDWFRPHZLWK\RX
U
S
K
RQHDQ
G
W
K
H
L
UDWWU
LE
XWHV
7RXVHSUHVHWSUR
¿
OHV
D
2
Q WKH
+
RP
H
VFUHHQ SUHVV W
K
H QDY
L
JDW
L
RQ VW
L
F
N
G
RZQ WR
VH
O
HFW 3UR
¿
OHV
>
7
\S
H
@
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
E
6
HOHFWWKHSUR
¿
OHSUHVVWKH
$
FW
L
R
Q
EXWWRQWRVHWWKHSUR
¿
OH
DQ
G
W
K
HQSUHVVW
K
H
'
RQ
H
VR
I
WNH\
<RX FDQ DOVR VHOHFW D GL
II
HUHQW SUR
¿
OH XVLQJ WKH<RX FDQ DOVR VHOHFW D GL
II
HUHQW SUR
¿
OH XVLQJ WKH
4
XLFN /LV
W4
XLFN /LV
W
3
UHVVW
K
H
3
UHVVW
K
H
3
RZH
U3
RZH
U
EXWWRQVHOHFWWKHSUR¿OHDQGWKHQSUHVVWKHEXWWRQVHOHFWWKHSUR¿OHDQGWKHQSUHVVWKH
UU
$
FW
L
R
Q$
FW
L
R
Q
E
XWWRQ
E
XWWRQ
3UR¿OH
1DPH 5LQJ
7\SH 5LQJ
9RO
XPH
1RWLILFD
WLRQ7\SH 1RWLILFD
WLRQ
9ROXPH
)HHG
EDFN
9RO
XPH
1
RUPD
O
5L
Q
J
3O
D
\
VRXQG
\
6
LOHQ
W
9LE
UDW
H
2II
9LE
UDW
H
2II
2II
0
HHW
L
Q
J
9LE
UDW
H
6
RXQ
G
2II
/RX
G
5L
Q
J
/
RX
G
6
RXQ
G
/
RX
G
/
RX
G
$
XWRPDW
LF
7RJJOHVEHWZHHQ1RUPDO0HHWLQJEDVHGRQ
&DOHQGDU
JJ
JJ
+
HD
G
VH
W
5L
Q
J
6
RXQ
G
&
D
U
5L
Q
J
6
RXQ
G
6SHDNHU
S
K
RQ
H
S
S
5L
Q
J
/
RX
G
6
RXQ
G
/
RX
G
/
RX
G
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
7RPRGLI\DSUR¿OHRQWKH6HWWLQJVPHQX
D 2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW6HWWLQJV
VHOHFW3UR¿OHVDQGWKHQSUHVVWKH$FWLRQEXWWRQ
E 6HOHFW WKHSUR¿OH WR PRGLI\ SUHVVWKH 0HQXVRIWNH\ DPG
WKHQVHOHFW(GLW
F 0RGLI\WKHVHWWLQJVDQGWKHQSUHVVWKH'RQHVRIWNH\
+RPHVFUHHQ
+RPHVFUHHQVHWWLQJVDUHXVHGWRFKDQJHWKH+RPHVFUHHQOD\RXW
WKHFRORUVFKHPHWKHEDFNJURXQGLPDJHDQGWKHWLPHGHOD\EHIRUH
WKH+RPHVFUHHQDSSHDUVZKHQ\RXUSKRQHLVLGOH
9LHZLQJ+RPHVFUHHQVHWWLQJV
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW6HWWLQJV
VHOHFW+RPH6FUHHQDQGWKHQSUHVVWKH$FWLRQEXWWRQ
&XVWRPL]LQJWKH+RPHVFUHHQZLWK\RXURZQ
LPDJH
D *R WR ZKHUH \RXU LPDJH ILOH LV VWRUHG RQ \RXU GHVNWRS
FRPSXWHUDQGFRS\WKH¿OH
E ,Q$FWLYH6\QF RQ \RXU GHVNWRS FRPSXWHU FOLFN ([SORUH
QDYLJDWHWR0\'RFXPHQWVDQGWKHQSDVWHWKHLPDJH¿OH
LQWRWKH0\'RFXPHQWVIROGHU
F 2QWKH+RPHVFUHHQRQ\RXUSKRQHSUHVVWKH6WDUWVRIWNH\
VHOHFW6HWWLQJV VHOHFW +RPH6FUHHQ DQG WKHQSUHVV WKH
$FWLRQEXWWRQ
G 6HOHFW%DFNJURXQGLPDJHDQGSUHVVWKHQDYLJDWLRQVWLFNOHIW
RUULJKWWRVHOHFW\RXULPDJH3UHVVWKH'RQHVRIWNH\
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
<
RXFDQD
O
VRVH
O
HFWW
K
H
L
PDJH\RXZDQWWRXVH
E
\VH
O
HFW
L
QJ
%
DF
N
JURXQ
G
L
PDJ
H
DQ
G
SUHVV
L
QJW
K
H
$
FW
L
R
Q
E
XWWRQ
7KL
VZ
LOO
V
K
RZ
\RXWKHFRPSOHWHOLVWR
I
LPDJHVWRFKRRVH
I
URP
0
D
N
H VXUH W
K
DW \RXU S
K
RQH
L
V FRQQHFWH
G
WR \RXU
G
HV
N
WRS
0
D
N
H VXUH W
K
DW \RXU S
K
RQH
L
V FRQQHFWH
G
WR \RXU
G
HV
N
WRS
FRPSXWHU YLD 8
6
% RU
6
HULDO EH
I
RUH \RX RSHQFRPSXWHU YLD 8
6
% RU
6
HULDO EH
I
RUH \RX RSHQ $FWLYH
6
\QF WR$FWLYH
6
\QF WR
SDVWHWKHLPDJH
¿
OH)RUEHVWUHVXOWVXVHLPDJHVZLWKD[SDVWHWKHLPDJH
¿
OH)RUEHVWUHVXOWVXVHLPDJHVZLWKD[
VFUHHQUHVROXWLRQWR
¿
WRQWKHVFUHHQ
VFUHHQUHVROXWLRQWR
¿
WRQWKHVFUHHQ
$
E
RX
W
7KH$ERXW VFUHHQ GLVSOD\V LQ
I
RUPDWLRQDERXW\RXUSKRQHV R
S
HUDWLQJ V\VWHP LQFOXGLQJ YHUVLRQ QXPEHUV DQG FRS\ULJKW LQ
I
R
U
PDW
L
RQ
7
RY
L
HZ
$E
RXWVHWW
L
QJV
2
Q WKH
+
RP
H
VFUHHQ SUHVV W
K
H
6
WDU
W
VR
I
W NH\ VHOHFW
6
HWWLQJ
V
VH
O
HFW
$E
RX
W
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
$FFHVVL
E
L
O
LW
\
$FFHVVLELOLW\VHWWLQJVDUHXVHGWRFRQ
¿
JXUH\RXUV\VWHP
I
RQWVL]H
PXOWLSUHVV WLPHRXW FRQ
¿
UPDWLRQ W
L
PHRXW
L
QFD
OO
D
O
HUW YR
O
XPH
DQ
G
6
PDUWGLDOVHWWLQJ
7
RY
L
HZ
$
FFHVV
LELOL
W\VHWW
L
QJV
2
Q WKH
+
RP
H
VFUHHQ SUHVV W
K
H
6
WDU
W
VR
I
W NH\ VHOHFW
6
HWWLQJ
V
VH
O
HFW
$
FFHVV
LELOL
W
\
DQ
G
W
K
HQSUHVVW
K
H
$
FW
L
R
Q
E
XWWRQ
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
&HUWL¿FDWHV
2Q\RXU6PDUWSKRQH\RXFDQDGGDQGGHOHWHSXEOLFNH\FHUWL¿
FDWHV7KHVHFHUWL¿FDWHVKHOSHVWDEOLVK\RXULGHQWLW\ZKHQ\RXORJ
RQWRDVHFXUHQHWZRUNVXFKDVDFRUSRUDWHQHWZRUN&HUWL¿FDWHV
DOVRKHOSHVWDEOLVKWKHLGHQWLW\RIRWKHUFRPSXWHUVVXFKDVVHUYHUV
ZLWKZKLFK\RXFRQQHFW7KLVKHOSVSUHYHQWXQDXWKRUL]HGXVHUV
IURPDFFHVVLQJ\RXUGHYLFHDQGLWVLQIRUPDWLRQ
<RXFDQVWRUHWZRW\SHVRIFHUWL¿FDWHVRQ\RXUSKRQHSHUVRQDO
FHUWL¿FDWHVWKDWHVWDEOLVK\RXULGHQWLW\DQGURRWFHUWL¿FDWHVWKDW
HVWDEOLVK WKH LGHQWLW\ RI VHUYHUV ZLWK ZKLFK \RX FRQQHFW <RXU
GHYLFHPD\LQFOXGHDVHWRISUHLQVWDOOHGFHUWL¿FDWHV
7RYLHZDQGGHOHWHFHUWL¿FDWHV
2Q WKH +RPH VFUHHQ VHOHFW WKH 6WDUW VRIW NH\ DQG WKHQ
6HWWLQJV
6HOHFW0RUHDQGWKHQ&HUWL¿FDWHV
7RYLHZWKHOLVWRISHUVRQDOFHUWL¿FDWHVVHOHFW3HUVRQDO
7RYLHZWKHOLVWRIURRWFHUWL¿FDWHVVHOHFW5RRW
7RGHOHWHDFHUWL¿FDWHVFUROOWRLWLQWKHOLVWVHOHFW0HQXDQG
WKHQVHOHFW'HOHWH
7RYLHZGHWDLOVDERXWDFHUWL¿FDWHVHOHFWLWLQWKHOLVW
'DWHDQG7LPH
'DWHDQG7LPHVHWWLQJVHQDEOH\RXWRFKDQJH\RXUORFDOWLPH]RQH
DQGWKHFXUUHQWGDWHDQGWLPHDQGWRVHWWKHDODUP
7RYLHZ'DWHDQG7LPHVHWWLQJV2QWKH+RPHVFUHHQSUHVVWKH
6WDUWVRIWNH\VHOHFW6HWWLQJVVHOHFW0RUHVHOHFW'DWHDQG7LPH
DQGWKHQSUHVVWKH$FWLRQEXWWRQ
2ZQHU,QIRUPDWLRQ
2ZQHU,QIRUPDWLRQVHWWLQJVDUHXVHGWRHQWHUDQGGLVSOD\SHUVRQDO
LQIRUPDWLRQVXFKDV\RXUQDPHSKRQHQXPEHUDQGHPDLODG
GUHVV7KLVLVKHOSIXOIRUH[DPSOHLQWKHHYHQWWKDW\RXORVH\RXU
SKRQHVRWKDW\RXFDQEHFRQWDFWHGLILWLVIRXQG
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
7RYLHZ2ZQHU,QIRUPDWLRQVHWWLQJV2QWKH+RPHVFUHHQSUHVV
WKH6WDUW VRIW NH\ VHOHFW6HWWLQJV VHOHFW 0RUH VHOHFW2ZQHU
,QIRUPDWLRQDQGWKHQSUHVVWKH$FWLRQEXWWRQ
3RZHU0DQDJHPHQW
3RZHU0DQDJHPHQW VHWWLQJV DUH XVHG WR GLVSOD\SRZHUVDYLQJ
VHWWLQJVVXFKDVFKDQJLQJWKHEDFNOLJKWGLVSOD\WLPHRXWVVHWWLQJ
WKHVFUHHQVDYHUPRGHDQGWRFKHFN\RXUEDWWHU\OHYHO
7RYLHZ3RZHU0DQDJHPHQWVHWWLQJV
2QWKH +RPHVFUHHQ SUHVVWKH 6WDUW VRIW NH\ VHOHFW6HWWLQJV
VHOHFW0RUHVHOHFW3RZHU0DQDJHPHQWDQGWKHQSUHVVWKH$FWLRQ
EXWWRQ
5HJLRQDO6HWWLQJV
5HJLRQDO 6HWWLQJV DUH XVHG WR FKDQJH WKH SKRQHV ODQJXDJH
GDWHDQGWLPHVW\OHDVZHOODVQXPEHUDQGFXUUHQF\IRUPDWWLQJ
RSWLRQV
7RYLHZ5HJLRQDO6HWWLQJV
2Q WKH +RPH VFUHHQ SUHVV WKH 6WDUW VRIW NH\ VHOHFW 6HWWLQJV
VHOHFW0RUHVHOHFW5HJLRQDO6HWWLQJVDQGWKHQSUHVVWKH$FWLRQ
EXWWRQ
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
5HPRYH3URJUDPV
5HPRYH3URJUDPVVHWWLQJVHQDEOH\RXWRUHPRYHSURJUDPVLQ
VWDOOHGRQ\RXUSKRQHZLWKWKHH[FHSWLRQRIFRUHSURJUDPVWKDW
FDPHZLWK\RXUSKRQHVXFKDV&RQWDFWV&DOHQGDUDQG,QWHUQHW
([SORUHU
7RYLHZ5HPRYH3URJUDPVHWWLQJV
2Q WKH +RPH VFUHHQ SUHVV WKH 6WDUW VRIW NH\ VHOHFW 6HWWLQJV
VHOHFW0RUHVHOHFW5HPRYH3URJUDPVDQGWKHQSUHVVWKH$FWLRQ
EXWWRQ
6HFXULW\
6HFXULW\VHWWLQJVDUHXVHGWRHQDEOHSKRQHORFNRU6,0ORFNDQG
WRVHWWKHSKRQHORFNSDVVZRUG
7RYLHZ6HFXULW\VHWWLQJV
2Q WKH +RPH VFUHHQ SUHVV WKH 6WDUW VRIW NH\ VHOHFW 6HWWLQJV
VHOHFW0RUHVHOHFW6HFXULW\DQGWKHQSUHVVWKH$FWLRQEXWWRQ
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
'DWD&RQQHFWLRQV
'DWD&RQQHFWLRQVVHWWLQJVHQDEOH\RXWRVHWXS'LDOXS9LUWXDO
3ULYDWH1HWZRUN9313UR[\DQG*HQHUDO3DFNHW5DGLR6HUYLFH
*356FRQQHFWLRQVVR\RXFDQFRQQHFWWRWKH,QWHUQHWRU\RXU
FRUSRUDWHQHWZRUN:LWKDGDWDFRQQHFWLRQ\RXFDQEURZVHWKH
:HEGRZQORDGHPDLOFKDWXVLQJ0610HVVHQJHURUV\QFKUR
QL]HZLUHOHVVO\ZLWKWKHVHUYHU&KHFNZLWK\RXUVHUYLFHSURYLGHU
WRVHHLIDGDWDFRQQHFWLRQKDVDOUHDG\EHHQVHWXSIRU\RXDQG
LIRYHUWKHDLUFRQ¿JXUDWLRQLVVXSSRUWHG
7RYLHZ'DWD&RQQHFWLRQVVHWWLQJV2QWKH+RPHVFUHHQSUHVV
WKH6WDUWVRIWNH\VHOHFW6HWWLQJVVHOHFW'DWD&RQQHFWLRQV
DQGWKHQSUHVVWKH$FWLRQEXWWRQ
'LDOXSFRQQHFWLRQ
<RXQHHGWRVHWXSD'LDOXSFRQQHFWLRQWRFRQQHFWGLUHFWO\WR
WKH,QWHUQHWRUWR\RXUFRUSRUDWHQHWZRUN
7RFUHDWHDGLDOXSFRQQHFWLRQWRWKH,QWHUQHW
D 2Q WKH +RPH VFUHHQ SUHVV WKH 6WDUW VRIW NH\ VHOHFW
6HWWLQJV VHOHFW 0RUH VHOHFW 'DWD &RQQHFWLRQV DQG
WKHQSUHVVWKH$FWLRQEXWWRQ
E 3UHVV WKH 0HQXVRIWNH\ VHOHFW(GLW &RQQHFWLRQV DQG
WKHQSUHVVWKH$FWLRQEXWWRQ
F 6HOHFW 'LDOXS &RQQHFWLRQV DQG SUHVV WKH $FWLRQ
EXWWRQ
G 3UHVVWKH0HQXVRIWNH\VHOHFW$GGDQGWKHQSUHVVWKH
$FWLRQEXWWRQ
H 8QGHU'HVFULSWLRQHQWHUDQDPHIRUWKHFRQQHFWLRQ
I 8QGHU&RQQHFWVWRSUHVVWKHQDYLJDWLRQVWLFNOHIWRUULJKW
WRVHOHFW7KH,QWHUQHW
J (QWHUWKHDSSURSULDWHLQIRUPDWLRQIRUWKHUHPDLQLQJ¿HOGV
DQGSUHVVWKH'RQHVRIWNH\
6PDUWSKRQH8VHU0DQXDO
3HUVRQDOL]LQJ
7RFUHDWHDGLDOXSFRQQHFWLRQWR\RXUFRUSRUDWHQHWZRUN
D 2Q WKH +RPH VFUHHQ SUHVV WKH 6WDUW VRIW NH\ VHOHFW
6HWWLQJV VHOHFW 'DWD &RQQHFWLRQV DQG WKHQ SUHVV WKH
$FWLRQEXWWRQ
E 3UHVVWKH0HQXVRIWNH\VHOHFW(GLW&RQQHFWLRQVDQGWKHQ
SUHVVWKH$FWLRQEXWWRQ
F 6HOHFW'LDOXS&RQQHFWLRQVDQGSUHVVWKH$FWLRQEXWWRQ
G 3UHVV WKH 0HQX VRIW NH\ VHOHFW $GG DQG WKHQ SUHVV WKH
$FWLRQEXWWRQ
H 8QGHU 'HVFULSWLRQ HQWHU D QDPH IRU WKH FRQQHFWLRQ D
QDPH
I 8QGHU&RQQHFWVWRSUHVVWKHQDYLJDWLRQVWLFNOHIWRUULJKWWR
VHOHFW:RUN
J (QWHUWKHDSSURSULDWHLQIRUPDWLRQIRUWKHUHPDLQLQJ¿HOGVDQG
SUHVVWKH'RQHVRIWNH\
931FRQQHFWLRQ
$931FRQQHFWLRQLVXVHGWRDFFHVV\RXUFRUSRUDWHQHWZRUNXVLQJ
DQH[LVWLQJ,QWHUQHWFRQQHFWLRQ
3UR[\FRQQHFWLRQ
$SUR[\FRQQHFWLRQLVXVHGWRDFFHVVWKH,QWHUQHWXVLQJDQH[LVWLQJ
FRQQHFWLRQWR\RXUFRUSRUDWHRUD:$3QHWZRUN
*356FRQQHFWLRQ
,IWKHUHLV*356FRYHUDJHLQ\RXUDUHD\RXFDQVHWXSD*356
FRQQHFWLRQWRDFFHVV\RXUFRUSRUDWHQHWZRUNRUWKH,QWHUQHWZKLFK
LVIDVWHUWKDQD'LDOXSFRQQHFWLRQ
&KDSWHU
0HVVDJLQJIHDWXUHV
6HWWLQJXSDFFRXQWV
6HQGLQJHPDLODQG606PHV
VDJHV
5HFHLYLQJHPDLODQG606PHV
VDJHV
9LHZLQJ\RXUPHVVDJHIROGHUV
0DQDJLQJ\RXU,QER[
,QVWDQWPHVVDJLQJ
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
6HWWLQJXSDFFRXQWV
<RXU6PDUWSKRQHLVDOUHDG\VHWXSIRU606WH[WDQGYRLFHPDLO
PHVVDJLQJLI\RXUPRELOHSKRQHVHUYLFHLQFOXGHVWKHVHIHDWXUHV
7KLVVHFWLRQGHVFULEHVWKHVWHSVUHTXLUHGIRUVHWWLQJXSWKH6PDUW
SKRQHWRVHQGDQGUHFHLYHHPDLOPHVVDJHV<RXFDQXVHXSWR
GLIIHUHQWPHVVDJLQJDFFRXQWVZLWKWKH6PDUWSKRQH
6HWWLQJXSHPDLO
7KHUHDUHWZRZD\VWRVHQGDQGUHFHLYHHPDLOPHVVDJHVZLWK
WKH6PDUWSKRQH
%\V\QFKURQL]LQJ,QER[ZLWK0LFURVRIW2XWORRNRQ\RXUGHVNWRS
FRPSXWHURU\RXU0LFURVRIW([FKDQJH VHUYHU6HH &KDSWHU
6\QFKURQL]LQJLQIRUPDWLRQ
%\FRQQHFWLQJWRD323RU,0$3HPDLOVHUYHUWRVHQGDQG
UHFHLYH,QWHUQHWHPDLOPHVVDJHV<RXPD\VHWXSDQ,QWHUQHW
HPDLODFFRXQWDVIROORZV
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW$FFRXQW6HWXS0HQXDQGWKHQ1HZ
G ,Q<RXU QDPH HQWHU \RXU GLVSOD\ QDPH IRU HPDLO
PHVVDJHV
H ,Q(PDLO DGGUHVV HQWHU WKH HPDLO DGGUHVV IRU WKLV
DFFRXQW
I ,Q8VHUQDPHHQWHU\RXUXVHUQDPH7KLVLVXVXDOO\WKH¿UVW
SDUWRI\RXUHPDLODGGUHVVZKLFKDSSHDUVEHIRUHWKHDW
VLJQ#
J ,Q3DVVZRUGHQWHU\RXUSDVVZRUG
K ,Q'RPDLQHQWHUWKHGRPDLQQDPHLIUHTXLUHG
L 7RVDYH \RXUSDVVZRUGVRWKDW\RXGR QRWQHHGWRHQWHULW
HDFK WLPH \RX FRQQHFW WR \RXU HPDLO VHUYHU VHOHFW 6DYH
SDVVZRUG6HOHFW1H[W
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
M
,
Q6HUYHU W\S
H
VFUROO WR VHOHFW WKH W\SH R
I
HPDLO VHUYH
U
WKDWKRVWV\RXUPDLOER[,0$3RU3
2
3DQGVHOHFW
1
H[
W
,
Q
$
FFRXQWQDP
H
HQWHUDQDPH
I
RUWKLVDFFRXQW<RXPXVW
X
VHDGL
II
HUHQWQDPH
I
RUHDFKDFFRXQWWKDW\RXVHWXS
N
,
Q
1
HWZRU
N
VFUROOWRWKHW\SHR
I
QHWZRUNWKDW\RXUHPDLO
VHUYHUUXQVRQDQ
G
VH
O
HFW
1
H[
W
O (QWHU LQ
I
RUPDWLRQ DERXW \RXU HPDLO VHUYHUV DQG VHOHFW
1
H[
W
,
I
\RXDUHQRWVXUHZKDWWRHQWHUDVN\RXUQHWZRUN
D
G
P
L
Q
L
VWUDWRU
P
6
HOHFWPHVVDJHGRZQORDGRSWLRQVDQGVHOHFW
1
H[
W
Q
6
HOHFW D FRQQHFWLRQ RSWLRQ VHOHFW
1
H[
W
DQ
G
W
K
HQ VH
O
HFW
)L
Q
L
V
K
,
I
\RXVDYH\RXUSDVVZRUGDQGWKHQORVH\RXU
6
PDUWSKRQH,
I
\RXVDYH\RXUSDVVZRUGDQGWKHQORVH\RXU
6
PDUWSKRQH
VRPHRQH
¿
QGLQJ\RXU
6
PDUWSKRQHPLJKWEHDEOHWRJDLQVRPHRQH
¿
QGLQJ\RXU
6
PDUWSKRQHPLJKWEHDEOHWRJDLQ
DFFHVVWR\RXUHPD
LO
DFFHVVWR\RXUHPD
LO
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
:RUNLQJZLWKDFFRXQWV
7RYLHZWKHOLVWRIDFFRXQWV
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ$FFRXQWV)ROGHUV7KHOLVWRIDFFRXQWV
GLVSOD\VZLWKWKHQXPEHURIXQUHDGPHVVDJHVLQWKH,QER[
RIHDFKDFFRXQWVKRZQLQSDUHQWKHVHV<RXFDQVZLWFKWRDQ
DFFRXQWE\VHOHFWLQJLWLQWKHOLVW
7RTXLFNO\PRYHEHWZHHQDFFRXQWV
D 2Q WKH +RPH VFUHHQ VHOHFW 6WDUW DQG WKHQ ,QER[ 7KH
PHVVDJHOLVWIRUWKHODVWDFFRXQW\RXXVHGGLVSOD\V
E 6FUROOULJKWRUOHIWWRVZLWFKWRWKHDFFRXQW\RXZDQW
7RFKDQJHHPDLODFFRXQWRSWLRQV
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E ,IQHFHVVDU\VFUROOULJKWRUOHIWWRVZLWFKWRWKHDFFRXQW\RX
ZDQW
F 6HOHFW0HQXDQGWKHQ2SWLRQV
G 6HOHFWWKHW\SHRIRSWLRQVWRFKDQJH
H &KDQJHWKHRSWLRQVDQGSUHVV'RQH
7RGHOHWHDQDFFRXQW
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW$FFRXQW6HWXS
G 6FUROOWRWKHDFFRXQWWRGHOHWH
H 6HOHFW0HQXDQGWKHQ'HOHWH
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
6HQGLQJHPDLODQG606
PHVVDJHV
7KHUHDUHVHYHUDOZD\VWRVHQGHPDLO00
6
DQG
6
0
6
PHVVDJHV
Z
L
W
K
\RXUS
K
RQH
7K
HPRVWFRPPRQZD\WRVHQ
G
PHVVDJHV
L
V
I
URP,QER[HPDLOFDQDOVREHVHQW
I
URPDFRQWDFWFDUG
6HQGLQJ606RUHPDLOPHVVDJHVIURP
,QER[
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
6
HOHFW
1
HZ
W
K
HQ
6
0
6
RU$FWLYHV\QF
HPDLO
,
Q
7R
HQWHUUHFLSLHQWHPDLODGGUHVVHVRU
6
0
6
QXPEHUV,QVHUWD
VHPLFRORQ
EHWZHHQPXOWLSOHDGGUHVVHVRU
6
0
6
QXPEHUV
<RXFDQRQO\HQWHU
6
0
6
QXPEHUVLQDQ
6
0
6
PHVVDJHDQG<RXFDQRQO\HQWHU
6
0
6
QXPEHUVLQDQ
6
0
6
PHVVDJHDQG
HPD
LO
D
GG
UHVVHV
L
Q DQ HPD
LO
PHVVDJH
(
PD
LO
L
V DFFHVVH
G
HPD
LO
D
GG
UHVVHV
L
Q DQ HPD
LO
PHVVDJH
(
PD
LO
L
V DFFHVVH
G
WKURXJK$FWLYHV\QFQRW606
WKURXJK$FWLYHV\QFQRW606
,
Q
&F
HQWHUWKHHPDLODGGUHVVHVR
I
SHUVRQVWRUHFHLYHDFRS\
7KLV
¿
HOGGRHVQRWDSSHDU
I
RU
6
0
6
PHVVDJHV
,
Q
6
XE
M
HQWHUDVXEMHFW7KLV
¿
HOGGRHVQRWDSSHDU
I
RU
6
0
6
PHVVDJHV
(
QWHUDPHVVDJHDQ
G
VH
O
HFW
6
HQ
G
(
PD
LO
PHVVDJHVDUHVWRUH
G
LQ
2XWER[
DQGVHQWWRUHFLSLHQWVWKHQH[WWLPH\RXV\QFKURQL]H
RUFRQQHFWWR\RXU HPD
LO
VHUYHUDQ
G
VHQ
G
DQ
G
UHFH
L
YHPD
LO
6
0
6
PHVVDJHVDUHVHQWLPPHGLDWHO\
<RXFDQVHQGDQGUHFHLYH
6
0
6
PHVVDJHVXSWR<RXFDQVHQGDQGUHFHLYH
6
0
6
PHVVDJHVXSWR
F
K
DUDFWHUVF
K
DUDFWHUV
LQVL]H,
I
DQ
6
0
6
PHVVDJHLVORQJHULWLVDXWRPDWLFDOO\VHQWLQLQVL]H,
I
DQ
6
0
6
PHVVDJHLVORQJHULWLVDXWRPDWLFDOO\VHQWLQ
FKXQNVDVVHYHUDOVPDOO
6
0
6
PHVVDJHVDQGLVWKHQXQL
¿
HGFKXQNVDVVHYHUDOVPDOO
6
0
6
PHVVDJHVDQGLVWKHQXQL
¿
HG
DVRQH
6
0
6
PHVVDJHD
I
WHUDOOR
I
WKHVPDOO
6
0
6
PHVVDJHVDVRQH
6
0
6
PHVVDJHD
I
WHUDOOR
I
WKHVPDOO
6
0
6
PHVVDJHV
K
DYH
E
HHQUHFH
L
YH
GK
DYH
E
HHQUHFH
L
YH
G
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
6HQGLQJPHVVDJHV
I
URPD&RQWDF
W
<RXFDQVHQGDPHVVDJHTXLFNO\WRDFRQWDFWL
I
\RXKDYHDQHPDLO
D
GG
UHVV
L
QF
O
X
G
H
G
L
QW
K
HFRQWDFW
2
QWKH
+
RP
H
VFUHHQVH
O
HFWW
K
H
&
RQWDFW
V
VR
I
WNH\
6
HOHFWWKHFRQWDFWQDPH
6HOHFW
0
HQ
X
DQGWKHQ606QXPEHUWRXVH
(
QWHUDPHVVDJHDQ
G
VH
O
HFW
6
HQ
G
,QVHUWLQJSUHGH¿QHGWH[WLQWR606DQGHPDLO
PHVVDJHV
7RVDYHWLPHHQWHULQJWH[W\RXFDQLQVHUWSUHGH¿QHGWH[WLQWRPH
V
VDJHV<RXFDQHGLWWKHSUHGH
¿
QHGWH[WLQFOXGHGZLWKWKH
6
PDUWSKRQH
WRFUHDWHZRUGVRUSKUDVHVWKDW\RX
I
UHTXHQWO\XVHLQPHVVDJHV
7RLQVHUWSUHGH
¿
QHGWH[WLQWRDPHVVDJH
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
E
6
HOHFW
1
H
Z
DQ
G
W
K
HQW
K
HDFFRXQWWRXVH
F
,
QW
K
HPHVVDJHDUHDVH
O
HFW
0
HQ
X
G
6
HOHFW
,
QVHUW
7
H[
W
I
<
RXFDQTX
L
F
NO
\
L
QVHUWWH[W
E
\HQWHU
L
QJ
L
WVDVVRF
L
DWH
G
QXP
E
HU
6
FUROOWRWKHWH[WDQGVHOHFW,QVHUW
<
RXFDQTX
L
F
NO
\HQ
W
HUHPD
LO
D
GG
UHVVHVRU
606
QXP
E
HUV
I
URP
<
RXFDQTX
L
F
NO
\HQ
W
HUHPD
LO
D
GG
UHVVHVRU
606
QXP
E
HUV
I
URP
< L NO W LO GG 606 E I< L NO W LO GG 606 E I
\RXUFRQWDFWFDU
G
V
,
Q\RXUFRQWDFWFDU
G
V
,
Q
7R7R
SUHVVW
K
HSUHVV W
K
H
$
FW
L
R
Q$
FW
L
R
Q
N
H\DQ
G
VH
O
HFWD
N
H\DQ
G
VH
O
HFWD
UHFLSLHQW
I
URPWKHOLVW
UHFLSLHQW
I
URPWKHOLVW
7RLQVHUWSXQFWXDWLRQVXFKDVWKHDWVLJQ
#
DSHULRG
RUD
VHPLFRORQ
UHSHDWHGO\SUHVVWKHNH\LQ0XOWLSUHVVPRGHXQWLO
W
K
HSXQFWXDW
L
RQDSSHDUV
7
RFDQFH
O
DPHVVDJHVH
O
HFW
0
HQ
X
DQ
G
W
K
HQ
&
DQFHO
&
RP
S
RV
H
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7RHGLWSUHGH¿QHGWH[W
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW(GLW0\7H[W
G 6FUROOWRWKHWH[WWRHGLW
H (GLWWKHWH[WDQGVHOHFW'RQH
,QVHUWLQJYRLFHUHFRUGLQJVLQWRPHVVDJHV
<RXFDQHDVLO\LQVHUWDYRLFHUHFRUGLQJLQWRDQHPDLOPHVVDJH
,QVHUWLQJDYRLFHUHFRUGLQJLVXVHIXOZKHQ\RXZDQWWRYHUEDOO\
H[SODLQLQIRUPDWLRQWKDWLVFRQWDLQHGLQWKHPHVVDJH
,QWKHPHVVDJHDUHDRIDQHPDLOPHVVDJHVHOHFW0HQX
6HOHFW,QVHUW5HFRUGLQJ
6HOHFW 5HFRUG DQG VWDUW VSHDNLQJ LQWR WKH 6PDUWSKRQH
PLFURSKRQH
:KHQ¿QLVKHGVSHDNLQJVHOHFW6WRS6HOHFW'RQH
<RX FDQ VHQG RQO\ RQH YRLFH UHFRUGLQJ LQ D PHVVDJH ,I \RX
FUHDWHDVHFRQGYRLFHUHFRUGLQJLQDPHVVDJHLWUHSODFHVWKH
¿UVWUHFRUGLQJ
,QVHUWLQJVLJQDWXUHVLQWRPHVVDJHV
)RUHDFKPHVVDJLQJDFFRXQW\RXFDQVSHFLI\DVLJQDWXUHWREH
DXWRPDWLFDOO\LQVHUWHGLQWRPHVVDJHVWKDW\RXVHQG
7RVSHFLI\DVLJQDWXUHWRLQVHUW
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW6LJQDWXUHV
G 6FUROOULJKWWRVZLWFKWRWKHDFFRXQW IRUZKLFK WRVSHFLI\ D
VLJQDWXUH
H 6HOHFW8VHVLJQDWXUHZLWKWKLVDFFRXQW
I 7R LQVHUW D VLJQDWXUH LQ HYHU\ PHVVDJH \RX VHQG VHOHFW
,QFOXGH ZKHQ UHSO\LQJ DQG IRUZDUGLQJ 2WKHUZLVH D
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
VLJQDWXUHLVLQVHUWHGRQO\LQQHZPHVVDJHV
J 5HSODFH WKH WH[W ZLWK LQ WKH 6LJQDWXUH ER[ ZLWK D
VLJQDWXUH WR LQVHUW DQG VHOHFW 'RQH 7KH VLJQDWXUH
LV LQVHUWHG LQWR PHVVDJHV WKDW \RX VHQG IURP WKLV
DFFRXQW
7RVWRSLQVHUWLQJDVLJQDWXUH
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW6LJQDWXUHV
G ,I QHFHVVDU\ VFUROO ULJKW RU OHIW WR VZLWFK WR WKH
DFFRXQW IRU ZKLFK WR VWRS LQVHUWLQJ D VLJQDWXUH LQWR
PHVVDJHV
H &OHDU 8VH VLJQDWXUH ZLWK WKLV DFFRXQW DQG VHOHFW
'RQH$VLJQDWXUHLVQRORQJHULQVHUWHGLQPHVVDJHV
WKDW\RXVHQGIURPWKLVDFFRXQW
8VLQJDGUDIWRIDPHVVDJH
<RXFDQVDYHDGUDIWRIDPHVVDJHWKDW\RXDUHFRPSRVLQJ
WR¿QLVKDQGVHQGODWHU
7RVDYHDGUDIWRIDPHVVDJH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QER[DQGWKHQ1HZ
F 6HOHFWWKHDFFRXQWWRXVH
G (QWHULQIRUPDWLRQLQWKHPHVVDJH
H 6HOHFW 0HQX DQG WKHQ 3RVWSRQH 0HVVDJH$ GUDIW
RIWKH PHVVDJH LV VWRUHG LQ WKH 'UDIWV IROGHU RIWKH
DFFRXQW
7RUHRSHQDQGVHQGDPHVVDJHGUDIW
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ$FFRXQWV)ROGHUV
F 6FUROOWRWKHDFFRXQWZKRVHIROGHUV\RXZDQWWRYLHZ
G 6HOHFW)ROGHUV
H 6HOHFW'UDIWVDQGWKHQWKHGUDIWWRRSHQ
I (GLWWKHPHVVDJHDQGVHOHFW6HQG(PDLOPHVVDJHV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
DUHVWRUHGLQ2XWER[DQGVHQWWRUHFLSLHQWVWKHQH[WWLPH
\RXV\QFKURQL]HRUFRQQHFWWR\RXUHPDLOVHUYHUDQGVHQG
DQGUHFHLYHPDLO606PHVVDJHVDUHVHQWLPPHGLDWHO\
5HTXHVWLQJDGHOLYHU\UHFHLSW
<RXFDQUHTXHVWDGHOLYHU\UHFHLSWIRUDQ606PHVVDJH:KHQ
\RXGRWKLV\RXUHFHLYHDQ606PHVVDJHWRFRQ¿UPWKDW\RXU
PHVVDJHZDVGHOLYHUHGWRWKHUHFLSLHQWV606VHUYLFH
%HIRUHVHQGLQJDQ606PHVVDJHVHOHFW0HQX
6HOHFW0HVVDJH2SWLRQV
6HOHFW5HTXHVW606WH[WPHVVDJHGHOLYHU\QRWL¿FDWLRQ
6HOHFW'RQH:KHQ\RXUPHVVDJHLVGHOLYHUHG\RXUHFHLYHD
UHFHLSWRQWKH6PDUWSKRQH
6HQGLQJDQGUHFHLYLQJPHVVDJHVYLD
,QWHUQHW
7KH6PDUWSKRQHLPPHGLDWHO\VHQGV606PHVVDJHVZKHQ\RX
VHOHFW6HQGRQWKH1HZ0HVVDJHVFUHHQ7KH6PDUWSKRQHDX
WRPDWLFDOO\UHFHLYHV606PHVVDJHVZKHQHYHULWLVWXUQHGRQ
:KHQ\RXUHFHLYHDPHVVDJHWKHQHZPHVVDJHLFRQDSSHDUV
DWWKHWRSRIWKHVFUHHQ
)RUHPDLOPHVVDJHV \RXPXVWXVH WKH6HQG5HFHLYHPHQX
FRPPDQGIURPDQ,QWHUQHWHPDLODFFRXQWWRLQLWLDWHWKHWUDQV
PLVVLRQ
2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
,IQHFHVVDU\VFUROOULJKWRUOHIWWRVZLWFKWRWKH,QWHUQHWHPDLO
DFFRXQWIRUZKLFK\RXZDQWWRVHQGDQGUHFHLYHPHVVDJHV
6HOHFW 0HQX DQG WKHQ 6HQG5HFHLYH 7KH 6PDUWSKRQH
FRQQHFWVWR\RXU,QWHUQHWHPDLOVHUYHUDQGVHQGVDQGUHFHLYHV
\RXUPHVVDJHV 7RVWRS WKLV SURFHVV VHOHFW0HQX
DQGWKHQ6WRS6HQG5HFHLYH
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
%
H
I
RUH \RX FDQ VHQ
G
DQ
G
UHFH
L
YH HPD
LO
PHVVDJHV
WK
H
%
H
I
RUH \RX FDQ VHQ
G
DQ
G
UHFH
L
YH HPD
LO
PHVVDJHV
WK
H
%I G G L LO WK%I G G L LO WK
6
PDUWSKRQHPXVWEHSURSHUO\FRQ
¿
JXUHGDVGHVFULEHGHDUOLH
U
6
PDUWSKRQHPXVWEHSURSHUO\FRQ
¿
JXUHGDVGHVFULEHGHDUOLH
U
L
Q
L
Q
6
HWWLQJXSDFFRXQW
V
6
HWWLQJXSDFFRXQW
V
<
RX PXVW WD
N
H D
GGL
W
L
RQD
O
VWHSV WR UHFH
L
YH
O
DUJH PHVVDJHV
<
RX PXVW WD
N
H D
GGL
W
L
RQD
O
VWHSV WR UHFH
L
YH
O
DUJH PHVVDJHV
DQ
G
DWWDF
K
PHQWV DV
G
HVFU
LE
H
G
O
DWHU
L
QDQ
G
DWWDF
K
PHQWV DV
G
HVFU
LE
H
G
O
DWHU
L
Q
:
RU
NL
QJ Z
L
W
K
O
DUJH
:
RU
NL
QJ Z
L
W
K
O
DUJH
DFFRXQ
W
V
DFFRXQ
W
V
5HFHLYLQJHPDLODQG606
P
H
VV
D
J
HV
<RXFDQUHFHLYHHPDL
O
DQG
6
0
6
PHVVDJHVWKURXJK ,QER[V\
Q
F
K
URQ
L
]DW
L
RQRU
E
\FRQQHFW
L
QJWR\RXUHPD
LO
VHUYHU
<
RXFDQW
K
HQ
YLHZDOOR
I
WKHPHVVDJHVLQ\RXU,QER[
:K
HQ\RXFRQQHFWWRW
K
HHPD
LO
VHUYHURUV\QF
K
URQ
L
]H\RXU
,
Q
E
R[
ZLWK\RXUGHVNWRSFRPSXWHURQO\WKH
¿
UVW.%R
I
HDFKQHZPH
V
VDJHDUHGRZQORDGHGWR,QER[RQ\RXUSKRQHE\GH
I
DXOW
2
QO\VPDOO
DWWDF
K
PHQWVDUH
G
RZQ
O
RD
G
H
G
DQ
G
W
K
HRU
L
J
L
QD
O
PHVVDJHVUHPD
L
Q
RQW
K
HHPD
LO
VHUYHURU\RXU
G
HV
N
WRSFRPSXWHU
:KHQ
\
RXUHFHLYHDQ HPDLOPHVVD
J
HWKH
6
PDUWSKRQHSOD
\
VD
VRXQGDQGGLVSOD\VDQHQYHORSHLFRQDWWKHWRSR
I
WKHVFUHHQ%\
GH
I
DXOWWKH+RPHVFUHHQDOVRGLVSOD\VWKHQXPEHUR
I
XQRSHQHG
HPDLODQG
6
0
6
PHVVD
J
HV7RTXLFNO
\
YLHZQHZPHVVD
J
HVVHOHFW
WKHPHVVDJHQRWL
¿
FDWLRQDUHDRQWKH+RPHVFUHHQ
:RU
N
LQJZLW
K
W
K
H PHVVDJH
O
LV
W
5HFHLYHGPHVVDJHVDUHVWRUHGLQWKH,QER[
I
ROGHUR
I
WKHDSSURSULDWH
DFFRXQW
7K
H\DUH
GL
VS
O
D\H
G
L
QW
K
H
,
Q
E
R[PHVVDJH
OL
VW
7RYLHZWKH,QER[PHVVDJHOLVW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
E
6
FUROOULJKWRUOH
I
WRUSUHVV0HQXWKHQ$FFRXQWVWRVZLWFKWR
WKHDFFRXQW
I
RUZKLFKWRYLHZPHVVDJHV7KH,QER[PHVVDJH
OL
VW
GL
VS
O
D\V\RXUUHFH
L
YH
G
PHVVDJHV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7R FKDQJH PHVVDJH OLVW GLVSOD\ RSWLRQV %\ GHIDXOW
PHVVDJHVDUHGLVSOD\HGLQWKHRUGHUUHFHLYHG<RXFDQFKDQJH
WKHRUGHULQZKLFKPHVVDJHVDUHGLVSOD\HGDQGVKRZWKHGDWH
DQGWLPHWKDWPHVVDJHVZHUHVHQW
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6HOHFW0HQXDQGWKHQ2SWLRQV
F 6HOHFW'LVSOD\
G &KDQJHWKHGLVSOD\RSWLRQVDQGVHOHFW'RQH
7RPDUNDPHVVDJHDV5HDGRU8QUHDG0HVVDJHVWKDW\RX
KDYHUHDGDUHGLVSOD\HGLQQRUPDOW\SHZLWKDQRSHQHQYHORSH
LFRQ0HVVDJHVWKDW\RXKDYHQRWUHDGDUHGLVSOD\HGLQEROG
W\SHZLWKDFORVHGHQYHORSHLFRQ<RXFDQFKDQJHWKHVWDWXV
RIDPHVVDJHE\PDUNLQJLWDV5HDGRU8QUHDG
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6FUROOWRWKHPHVVDJHWRPDUN
G 6HOHFW0HQX
H 6HOHFW 0DUNDV5HDGRU 0DUN DV8QUHDG7KHPHVVDJH
GLVSOD\LVFKDQJHGWRUHÀHFWLWVQHZVWDWXVQRUPDOWH[WIRU
UHDGPHVVDJHVDQGEROGWH[WIRUXQUHDGPHVVDJHV:KHQ
\RXV\QFKURQL]HRUVHQGDQGUHFHLYHHPDLOWKHPHVVDJH
LVGLVSOD\HGDV5HDGRU8QUHDGLQDOOORFDWLRQV
:RUNLQJZLWKPHVVDJHV
<RXFDQRSHQPHVVDJHVE\VHOHFWLQJWKHPLQWKHPHVVDJHOLVW
8VLQJ,QER[PHQXFRPPDQGV\RXFDQTXLFNO\UHSO\WRIRUZDUG
DQGGHOHWHPHVVDJHV
7RRSHQDPHVVDJH
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E ,IQHFHVVDU\VFUROOULJKWRUOHIWWRVZLWFKWRWKHDFFRXQW\RX
ZDQW
F 6HOHFWWKHPHVVDJHWRRSHQ
G 7RUHWXUQWRWKHPHVVDJHOLVWSUHVVWKH%DFNNH\
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7R RSHQ WKH QH[W PHVVDJH LQ WKH OLVW
I
URP ZLWKLQ DQ RSHQ7R RSHQ WKH QH[W PHVVDJH LQ WKH OLVW
I
URP ZLWKLQ DQ RSHQ
PHVVDJHVFUR
OO
U
L
J
K
WWRRSHQW
K
HSUHY
L
RXVPHVVDJH
L
QW
K
H
OL
VWPHVVDJHVFUR
OO
U
L
J
K
WWRRSHQW
K
HSUHY
L
RXVPHVVDJH
L
QW
K
H
OL
VW
VFUROOOH
I
W7RFUHDWHDFRQWDFWFDUG
I
RUWKHVHQGHUVHOHFW0HQXVFUROOOH
I
W7RFUHDWHDFRQWDFWFDUG
I
RUWKHVHQGHUVHOHFW0HQX
DQGWKHQ
6
DYH
6
HQGHUWR
&
RQWDFWV
DQGWKHQ
6
DYH
6
HQGHUWR
&
RQWDFWV
7RVSHFL
I
\WKHODQJXDJH
I
RUUHDGLQJDPHVVDJH
D
)
URPDQRSHQPHVVDJHVH
O
HF
W
0
HQ
X
DQ
G
W
K
HQ
2
SWLRQ
V
E
,
Q
(
PD
LO
PHVVDJH
O
DQJXDJ
H
VFUR
OO
WRW
K
H
O
DQJXDJH
F
6
HOHF
W
'
RQ
H
7K
HPHVVDJH
L
V
GL
VS
O
D\H
G
XV
L
QJW
K
HDSSURSU
L
DWH
FKDUDFWHUV
I
RUWKHVHOHFWHGODQJXDJH
7
RUHS
O
\WRDPHVVDJH
D
)
URP DQ RSHQ PHVVDJH VH
O
HFW
0
HQ
X
DQ
G
W
K
HQ
5
HS
O\
RU
5
HS
O
\
$OO
E
(
QWHUDPHVVDJH
L
QW
K
HPHVVDJHDUHD
F
6
HOHFW
6
HQ
G
7K
HPHVVDJH
L
VVWRUH
G
L
Q
2
XWER
[
DQ
G
VHQWWR
UHF
L
S
L
HQWVW
K
HQH[WW
L
PH\RXV\QF
K
URQ
L
]HRUFRQQHFWWR\RX
U
HPDLOVHUYHU
6
0
6
PHVVDJHVDUHVHQWLPPHGLDWHO\
7R
I
RUZDUGDPHVVDJH
D
)
URPDQRSHQPHVVDJHVH
O
HF
W
0
HQ
X
DQ
G
W
K
HQ
)
RUZDU
G
E
6
HOHFWWKHDFFRXQWWRXVH
F
,
Q
7R
HQWHU UHFLSLHQW HPDLO DGGUHVVHV RU
6
0
6
QXPEHUV
,QVHUWDVHPLFRORQ
EHWZHHQPXOWLSOHDGGUHVVHVRU
6
0
6
QXP
E
HUV
G
2
SWLRQDOO\\RXFDQHQWHUDQLQWURGXFWRU\PHVVDJHE\VFUROOLQJ
WRW
K
HPHVVDJHDUHDSUHVV
L
QJW
K
H
$
FW
L
R
Q
N
H\WR
L
QVHUWD
EO
DQ
N
OL
QHDQ
G
HQWHU
L
QJ\RXUWH[W
H
6
HOHFW
6
HQ
G
6
0
6
PHVVDJHVDUHVHQWLPPHGLDWHO\(PDLO
PHVVDJHVDUHVWRUH
G
L
Q
2
XWER
[
DQ
G
VHQWWRUHF
L
S
L
HQWVW
K
H
QH[WW
L
PH\RXV\QF
K
URQ
L
]HRUFRQQHFWWR\RXUHPD
LO
VHUYHU
7
R
G
H
O
HWHDPHVVDJH
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
E
,
I
QHFHVVDU\ VFUROO ULJKW RU OH
I
WWR VZLWFKWR WKHDFFRXQW LQ
Z
KL
F
K
WR
G
H
O
HWHDPHVVDJH
F
6
FUROOWRWKHPHVVDJHWRGHOHWH
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
G
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
'
H
O
HW
H
)RU WKH$FWLYH
6
\QF
DFFRXQW WKH PHVVDJH LV DOVR GHOHWHG
I
URP
2
XWORRN
RQ \RXU GHVNWRS FRPSXWHU RU ([FKDQJH
6
HUYHU WKH
QH[WW
L
PH\RXV\QF
K
URQ
L
]H
:RUNLQJZLWKODUJHPHVVDJHVDQG
DWWDF
K
PHQW
V
:K
HQ\RXUHFH
L
YH
O
DUJHHPD
LO
PHVVDJHVDQ
G
DWWDF
K
PHQWV
WKH
6
PDUWSKRQHGRZQORDGVRQO\DSRUWLRQR
I
WKHP<RXFDQ
YLHZWKHSDUWLDOPHVVDJHRUDWWDFKPHQWDQGGHFLGHL
I
\RX
ZDQWWRGRZQORDGWKHUHVWRILW
:K
HQ\RXV\QF
K
URQ
L
]H
,
Q
E
R[Z
L
W
K
\RXU
G
HV
N
WRSFRPSXWHUR
U
([FKDQJH
6
HUYHUWKH
6
PDUWSKRQHGRZQORDGVWKH
¿
UVW
.%R
I
HDFKQHZHPDLOPHVVDJHE\GH
I
DXOW:KHQ\RXFRQ
QHFWWRDQ
,
QWHUQHWHPD
LO
VHUYHU
L
W
G
RZQ
O
RD
G
VW
K
HDPRXQW
LQ.%
R
I
HDFKQHZPHVVDJHWKDW\RXVSHFL
¿
HGZKHQ\RX
VHWXSW
K
HDFFRXQW
7K
HPHVVDJHV
L
]H
L
QF
O
X
G
HV
L
WVDWWDF
K
PHQWV
7K
HRU
L
J
L
QD
O
PHVVDJHVDQ
G
DWWDF
K
PHQWVUHPD
L
QRQ
W
K
HVHUYHURU\RXU
G
HV
N
WRSFRPSXWHU
2
QPHVVDJHVUHFHLYHG
I
URPD3
2
3HPDLOVHUYHUWKH
2
QPHVVDJHVUHFHLYHG
I
URPD3
2
3HPDLOVHUYHUWKH
DWWDF
K
PHQWV
L
]H
L
VRP
L
WWH
G
DWWDF
K
PHQWV
L
]H
L
VRP
L
WWH
G
,QWKHPHVVDJHOLVWPHVVDJHVZLWKDQDWWDFKPHQWGLVSOD\
DQHQYH
O
RSH
L
FRQZ
L
W
K
DSDSHUF
OL
S
:L
W
KL
QDPHVVDJH D
W
WDFKPHQWVDUHGLVSOD\HGDVDOLVWR
I
K\SHUOLQNVDWWKHERW
WRPR
I
WKHPHVVDJHDQGDUHSUHFHGHGE\DQDWWDFKPHQW
LFRQ7KHK\SHUOLQNLQFOXGHVWKH¿OHQDPHDQGVL]HRIWKH
DWWDF
K
PHQW
7KHDWWDFKPHQWLFRQKDVWKH
I
ROORZLQJWKUHHVWDWHV
1
RW
G
RZQ
O
RD
G
H
G
0DUNHG
I
RUGRZQORDG
'
RZQ
O
RD
G
H
G
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7RGRZQORDGDFRPSOHWHHPDLOPHVVDJH
D 2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
E 6FUROOWRWKHPHVVDJHWRGRZQORDG
F 6HOHFW 0HQX DQG WKHQ 0DUN IRU 'RZQORDG7KH FRPSOHWH
PHVVDJH LV UHWULHYHG WKH QH[W WLPH \RX V\QFKURQL]H RU
FRQQHFWWR\RXUHPDLOVHUYHUDQGVHQGDQGUHFHLYHHPDLO
7RGRZQORDGDQDWWDFKPHQW
,Q DQ RSHQ PHVVDJH ZLWK DQ DWWDFKPHQW WR GRZQORDG VHOHFW
WKH DWWDFKPHQW 7KH DWWDFKPHQW LV GRZQORDGHG WKH QH[W WLPH
\RXV\QFKURQL]HRUFRQQHFWWR\RXUHPDLOVHUYHUDQG VHQG DQG
UHFHLYHHPDLO,IWKHUHDUHPXOWLSOHDWWDFKPHQWVLQWKHPHVVDJH
DOODWWDFKPHQWVDUHGRZQORDGHG
7RYLHZDQDWWDFKPHQW
,QDQRSHQPHVVDJHFRQWDLQLQJDGRZQORDGHGDWWDFKPHQWVHOHFW
WKHDWWDFKPHQW1RWHWKDW\RXFDQYLHZDWWDFKPHQWVRQO\IRU¿OH
W\SHVWKDWDUHVXSSRUWHGE\WKH6PDUWSKRQH
$FFHSWLQJPHHWLQJUHTXHVWV
<RX FDQ UHFHLYH DQG UHVSRQG WR 2XWORRN PHHWLQJ UHTXHVWV RQ
\RXU6PDUWSKRQHLQDVLPLODUPDQQHUDV\RXGR LQ2XWORRN RQ
\RXUGHVNWRSFRPSXWHU
2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
,I QHFHVVDU\ VFUROO ULJKW RU OHIW WR VZLWFK WR WKH $FWLYH6\QF
DFFRXQW
6HOHFWWKHPHHWLQJUHTXHVWDQGWKHQUHVSRQGWRLWDVIROORZV
D 7RDFFHSWWKHPHHWLQJ UHTXHVWDQGLQVHUWWKHPHHWLQJ LQWR
\RXUFDOHQGDUVHOHFW0HQXDQGWKHQ$FFHSW
E 7R GHFOLQH WKH PHHWLQJ UHTXHVW VHOHFW 0HQX DQG WKHQ
'HFOLQH
F 7R WHQWDWLYHO\ DFFHSW WKH PHHWLQJ UHTXHVW DQG LQVHUW D
WHQWDWLYHPHHWLQJLQWR\RXUFDOHQGDUVHOHFW0HQXDQGWKHQ
7HQWDWLYH
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
<
RXUUHVSRQVH
L
VVHQW
E
DF
N
WRW
K
HPHHW
L
QJRUJDQ
L
]HUW
K
HQH[W
W
L
PHW
K
DW\RXV\QF
K
URQ
L
]H
)RU PRUH LQ
I
RUPDWLRQ DERXW V\QFKURQL]LQJ VHH)RU PRUH LQ
I
RUPDWLRQ DERXW V\QFKURQL]LQJ VHH
&
KDSWHU
&
KDSWHU
6
\QFKURQL]LQJLQ
I
RUPDWLRQ
6
\QFKURQL]LQJLQ
I
RUPDWLRQ
9LHZLQJ\RXUPHVVDJH
I
ROGHU
V
(DFK PHVVDJLQJ DFFRXQW KDV D VHW R
I
I
ROGHUV LQ ZKLFK WKH
6
PDUWSKRQH VWRUHV PHVVDJHV
I
RU WKDW DFFRXQW 7KH GH
I
DXOW
I
ROGHUVDUH
'HOHWHG,WHP
V
FRQWDLQVPHVVDJHVWKDW\RXGHOHWHXQWLO\RX
HPSW\WKLVIROGHU
'UD
I
W
V
FRQWDLQVPHVVDJHVWKDW\RXVDYHEH
I
RUHVHQGLQJ
,
Q
E
R
[
FRQWD
L
QVPHVVDJHVW
K
DW\RXUHFH
L
YH
2
XWER
[
I
RUWKH$FWLYH
6
\QFDFFRXQWFRQWDLQVVHQWHPDLOPH
V
VDJHVXQW
LO
\RXV\QF
K
URQ
L
]H
)
RUHPD
LO
DFFRXQWVFRQWD
L
QVVHQW
HPDLOPHVVDJHVXQWLO\RXFRQQHFWWR\RXUHPDLOVHUYHU
6
0
6
PHVVDJHVDUHVHQW
L
PPH
GL
DWH
O
\RYHUW
K
HQHWZRU
N
DQ
G
DSSHDU
L
Q
\RXU
6
0
6
2
XWER[
I
ROGHURQO\
I
RUD
I
HZVHFRQGV
6
HQW,WHP
V
FRQWDLQVFRSLHVR
I
PHVVDJHVWKDW\RXVHQG
,
I
\RXZDQW\RXFDQPRYHDPHVVDJHWRDGL
II
HUHQW
I
ROGHUZLWKLQ
W
K
HVDPHDFFRXQW
:KHQ\RXV\QFKURQL]HRUVHQGDQGUHFHLYHHPDLOWKH
6
PDUW
SKRQHV\QFKURQL]HVDQ\DGGLWLRQDOHPDLO
I
ROGHUVWKDW\RXKDYH
FUHDWHGLQ
2
XWORRNRQ\RXUGHVNWRSFRPSXWHURURQ\RXUHPDLO
VHUYHU
,
WD
O
VRV\QF
K
URQ
L
]HVW
K
HPHVVDJHV FRQWD
L
QH
G
L
QW
K
RVH
I
ROGHUVL
I
WKH
I
ROGHUVDUHPDUNHG
I
RUV\QFKURQL]DWLRQ
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
9LHZLQJPHVVDJHIROGHUFRQWHQWV
2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
6HOHFW0HQXDQGWKHQ$FFRXQWV)ROGHUV
6FUROOWRWKHDFFRXQWIRUZKLFKWRYLHZWKHFRQWHQWVRIDPHVVDJH
IROGHU
6HOHFW)ROGHUVDQGWKHQWKHIROGHUWRYLHZ7RYLHZDOO$FWLYH6\QF
IROGHUVHYHQWKRVHQRWPDUNHGWRV\QFKURQL]HVHOHFW0HQXDQG
WKHQ6KRZ$OO)ROGHUV
7RUHWXUQWR,QER[SUHVV%DFNVHOHFW0HQXDQGWKHQ$FFRXQWV
)ROGHUV
6FUROOWRWKHDFFRXQW
6HOHFW)ROGHUVDQGWKHQ,QER[
0DUNLQJDIROGHUIRUV\QFKURQL]DWLRQ
<RXPD\V\QFKURQL]H,QER[ZLWK\RXUGHVNWRSFRPSXWHU7KLV
FUHDWHVWKHVDPH$FWLYH6\QF,QER[IROGHUVRQ\RXU6PDUWSKRQH
DVLQ2XWORRNRQ\RXUGHVNWRSFRPSXWHU
2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ,QER[
6HOHFW0HQXDQGWKHQ$FFRXQWV)ROGHUV
6FUROOWR$FWLYH6\QFDQGWKHQVHOHFW)ROGHUV
6HOHFW0HQXDQGWKHQ0DQDJH)ROGHUV
6FUROOWRDIROGHUWRV\QFKURQL]H
6HOHFW6KRZDQGWKHQ'RQH7KHQH[WWLPH\RXV\QFKURQL]HWKH
IROGHUVWKDW\RXPDUNHGRQ\RXU6PDUWSKRQHDUHV\QFKURQL]HG
ZLWK WKH FRUUHVSRQGLQJ IROGHUV LQ 2XWORRN RQ \RXU GHVNWRS
FRPSXWHU
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
0RYLQJDPHVVDJHWRDGLIIHUHQWIROGHU
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
,IQHFHVVDU\VFUROOULJKWRUOHIWWRVZLWFKWRWKHDFFRXQWLQZKLFK
W
RPRYHDPHVVDJH
6
FUROOWRWKHPHVVDJHWRPRYH
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
0
RY
H
6
HOHFWWKH
I
ROGHULQWRZKLFKWRPRYHWKHPHVVDJH
<
RX FDQ PRYH DQ RSHQ PHVVDJH
L
Q W
K
H VDPH PDQQHU
E
\
<
RX FDQ PRYH DQ RSHQ PHVVDJH
L
Q W
K
H VDPH PDQQHU
E
\
VH
O
HFW
L
QJVH
O
HFW
L
QJ
0
HQ
X0
HQ
X
DQ
G
W
K
HQDQ
G
W
K
HQ
0
RY
H0
RY
H
(PSW\LQJWKH'HOHWHG,WHPVIROGHU
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
,
Q
E
R
[
6
HOHFW 0
H
Q
X
DQGWKHQ $
FFRX
Q
WV
)
R
O
GH
U
V
,
I
QHFHVVDU\VFUROOULJKWRUOH
I
WWRVZLWFKWRWKHDFFRXQW
I
RUZKLFK
WRHPSW\WKH'HOHWHG,WHPV
I
ROGHU
6
HOHFW
)
R
OG
HU
V
DQ
G
W
K
HQ
'
H
O
HWH
G
,
WHP
V
6
HOHFW
0
HQ
X
D
Q
G
W
KH
Q
(
PSW\
)
R
OG
H
U
0DQDJ
L
QJ\RX
U
,Q
E
R
[
$OOHPDLODQG
6
0
6
PHVVDJHVDUHVWRUHGLQ\RXU,QER[%\G
H
I
DXOWWKHPRVWUHFHQWO\UHFHLYHGPHVVDJHVDUHGLVSOD\HGDWWKH
WRSR
I
WKH,QER[OLVW8VLQJWKHPHQXRSWLRQV\RXFDQFXVWRPL]H
\RXU
,
Q
E
R[VHWW
L
QJVWRFRQWUR
O
W
K
HZD\\RXVHQ
G
UHFH
L
YHDQ
G
Y
L
HZPHVVDJHV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
8VLQJ,QER[PHQXRSWLRQV
,WLVHDV\WRDFFRPSOLVKFRPPRQPHVVDJLQJWDVNVIURP\RXU,QER[
3UHVVWKH1HZVRIWNH\WRFRPSRVHDQHZPHVVDJHRUSUHVVWKH
0HQXVRIWNH\WRIRUZDUGGHOHWHDQGUHSO\WRPHVVDJHVDFFHVV
,QER[RSWLRQV\RXFDQFXVWRPL]HDQGPRUH
7RYLHZ,QER[PHQXRSWLRQV
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\VHOHFW,QER[DQG
WKHQSUHVVWKH0HQXVRIWNH\
,QER[PHQXRSWLRQ )XQFWLRQ
'HOHWH 'HOHWHVWKHVHOHFWHGPHVVDJH
5HSO\ 5HSOLHVWRDQRSHQRUVHOHFWHGPHVVDJH
5HSO\$OO 5HSOLHVWRWKHVHQGHUDQGWKRVHZKRUHFHLYHGD
FRS\RIWKHRSHQRUVHOHFWHGPHVVDJH
)RUZDUG )RUZDUGVWKHVHOHFWHGPHVVDJH
0RYH (QDEOHV\RXWRPRYHWKHRSHQRUVHOHFWHGPHV
VDJHWRDQRWKHUIROGHU
0DUNDV8QUHDG 'LVSOD\VWKH KHDGHU WH[W RID PHVVDJH LQ \RXU
,QER[ LQ EROG LQGLFDWLQJ WKDW WKH PHVVDJH KDV
QRWEHHQUHDG
0DUNDV5HDG 'LVSOD\VWKH KHDGHU WH[W RID PHVVDJH LQ \RXU
,QER[ LQ OLJKWIDFH LQGLFDWLQJ WKDW WKH PHVVDJH
KDVEHHQUHDG
0DUNIRU'RZQORDG 5HWULHYHVWKH HQWLUHHPDLO PHVVDJHIURP WKHHPDLO
VHUYHUWKHQH[WWLPH\RXFRQQHFW
2SWLRQV 'LVSOD\VDOLVWRI,QER[RSWLRQVWKDW\RXFDQFXV
WRPL]HVHHWKHIROORZLQJWDEOH
6HQG5HFHLYH &RQQHFWV WR \RXU HPDLO VHUYHU WR VHQG DQG
UHFHLYHPHVVDJHV
$FFRXQWV)ROGHUV 'LVSOD\VDOOPHVVDJHIROGHUV
7KHIROORZLQJWDEOHOLVWV,QER[PHQXRSWLRQVDQGWKHLUIXQFWLRQV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
&XVWRPL]LQJ,QER[RSWLRQV
<RXFDQRSWLPL]H\RXU,QER[IRUWKHZD\\RXZRUN)RUH[DPSOH
\RXFDQFKDQJHWKHZD\\RXUPHVVDJHVDUHGLVSOD\HGVSHFLI\
KRZ\RXZDQW\RXUPHVVDJHVWREHVRUWHGVSHFLI\WKHYROXPH
DQGOLPLWWKHVL]HRIPHVVDJHV\RXZDQWWRDXWRPDWLFDOO\GRZQ
ORDGFKDQJH\RXUV\QFKURQL]DWLRQVFKHGXOHDQGPRUH
2QWKH+RPHVFUHHQSUHVVWKH6WDUWVRIWNH\DQGWKHQVHOHFW
,QER[
3UHVVWKH0HQXVRIWNH\DQGWKHQVHOHFW2SWLRQV
6HOHFWWKHRSWLRQWRFXVWRPL]H
0RGLI\WKHVHWWLQJVWRFKDQJHDQGSUHVV'RQH
,QER[PHQXRSWLRQ )XQFWLRQ
'LVSOD\ (QDEOHV\RXWRFKDQJHWKHPHVVDJHLQIRU
PDWLRQGLVSOD\HGLQ\RXULQER[
6HQGLQJ (QDEOHV\RXWRVSHFLI\ZKHWKHU\RXZDQWWR
LQFOXGHDQRULJLQDOFRS\RIWKHPHVVDJHLQ
\RXUUHSO\VDYHDFRS\RI\RXUVHQWPHV
VDJHRUXVH8QLFRGHIRU606PHVVDJHV
(GLWLQJ0\7H[W (QDEOHV\RXWRHGLWWKHSUHGH¿QHGWH[WWKDW
\RXFDQLQVHUWLQPHVVDJHV
6LJQDWXUHV (QDEOHV \RX WR DGG D VLJQDWXUH LQ PHV
VDJHV
$FFRXQW6HWXS (QDEOHV\RXWRVHWXS\RXUDFFRXQWV
,PSRUW6,0
0HVVDJHV
(QDEOHV\RXWRLPSRUW606PHVVDJHVIURP
D6,0FDUGWR\RXULQER[7KHPHVVDJHV
DUHQRWUHPRYHG IURPWKH6,0FDUGDIWHU
WKH\DUHLPSRUWHG
7KHIROORZLQJWDEOHOLVWVWKH,QER[RSWLRQVDQGWKHLUIXQFWLRQV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
,QVWDQWPHVVDJLQJ
<RXFDQXVH0610HVVHQJHURQ\RXU6PDUWSKRQHWRVHQGDQG
UHFHLYHLQVWDQWPHVVDJHV0610HVVHQJHURQ\RXU6PDUWSKRQH
SURYLGHVWKHVDPHFKDWHQYLURQPHQWDV0610HVVHQJHURQ\RXU
GHVNWRSFRPSXWHU)HDWXUHVRIWKLVHQYLURQPHQWLQFOXGH
6HQGLQJDQGUHFHLYLQJLQVWDQWPHVVDJHV
6HHLQJWKHVWDWXVRIRWKHUVLQ\RXU0HVVHQJHUFRQWDFWVOLVWRU
FKDQJLQJ\RXURZQVWDWXVHJDYDLODEOHEXV\RXWWROXQFK
,QYLWLQJRWKHUSHRSOHWRDFKDWFRQYHUVDWLRQ
%ORFNLQJ FRQWDFWV IURP VHHLQJ \RXU VWDWXV RU VHQGLQJ \RX
PHVVDJHV
6HWWLQJXS0610HVVHQJHU
%HIRUH\RXFDQXVH0610HVVHQJHU\RXPXVWWDNHVWHSVWRVHWLW
XS)LUVW\RXQHHGHLWKHUD0LFURVRIW1(73DVVSRUWDFFRXQWRU
D+RWPDLODFFRXQW7RVHWXSD0LFURVRIW1(73DVVSRUWDFFRXQW
JRWRKWWSZZZSDVVSRUWFRP2QFH\RXKDYHWKLVDFFRXQW\RX
QHHGWRGRWKHIROORZLQJ
&UHDWHDFRQQHFWLRQRQ\RXU6PDUWSKRQHVXFKDVDPRGHPRU
ZLUHOHVVFRQQHFWLRQWKDWDOORZV\RXWRFRQQHFWWRWKH,QWHUQHW
)RUPRUHLQIRUPDWLRQDERXWFUHDWLQJFRQQHFWLRQVVHH'DWD
FRQQHFWLRQV
8VLQJ0610HVVHQJHU
<RXFDQVLJQLQWR0610HVVHQJHUXVLQJ\RXU+RWPDLOFUHGHQWLDOV
RU\RXU1(73DVVSRUW
7RVLJQLQWRDQGVLJQRXWRI0610HVVHQJHU
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0610HVVHQJHU
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
F
6
HOHFW 6LJQ,
Q
G
,Q
6LJQLQ 1DP
H
HQWHU W
K
H V
L
JQ
L
Q QDPH W
K
DW \RX XVH
I
RU +RWPDLO RU \RXU 1(7 3DVVSRUW
([DPSOH QDPH
B
#
KRWPDLOFRP
H
,
Q
3
DVVZRU
G
HQWHU
\
RXU
+
RWPD
LO
RU
1(7
3
DVVSRUW
SDVVZRU
G
I
6
HOHFW
5
HPHP
E
HUP\SDVVZRU
G
L
I
\RXGRQWZDQWWRHQWH
U
\RXUSDVVZRUGDJDLQLQWKH
I
XWXUH
J
6
HOHFW
6
LJQ,
Q
K
7
RV
L
JQRXWSUHVVW
K
H
0
HQ
X
VR
I
WNH\DQGVHOHFW
6
LJQRX
W
,
I
\RXGRQRWVLJQRXWR
I
0
6
10HVVHQJHU\RXZLOOUHPDLQRQ,
I
\RXGRQRWVLJQRXWR
I
0
6
10HVVHQJHU\RXZLOOUHPDLQRQ
DGDWDFRQQHFWLRQ7KLVPD\UHVXOWLQDGGLWLRQDOFKDUJHV
I
URPDGDWDFRQQHFWLRQ7KLVPD\UHVXOWLQDGGLWLRQDOFKDUJHV
I
URP
\RXUVHUY
L
FHSURY
LG
HU
\RXUVHUY
L
FHSURY
LG
HU
7RDGGDQ0
6
10HVVHQ
J
HUFRQWDFW
D
,QWKH0
6
10HVVHQJHUFRQWDFWVOLVWVHOHFW
0
HQ
X
DQ
G
W
K
HQ
$GG
&
RQWDF
W
E
$GG
W
K
H
+
RWPD
LO
RU
1(7
3
DVVSRU
W
VLJQLQQDPHR
I
DSHUVRQ
Z
L
W
K
Z
K
RP\RXZDQWWRF
K
DW
7K
H
L
UV
L
JQ
L
QQDPH
L
VD
GG
H
G
WR
W
K
HFRQWDFWV
OL
VW
7RGHOHWHDQ0610HVVHQJHUFRQWDFW
D
,QWKH0
6
10HVVHQJHUFRQWDFWVOLVWVHOHFWWKHFRQWDFW
E
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ 'HOHWH
&
RQWDF
W
7
RVHQ
G
DQ
L
QVWDQWPHVVDJH
D
6
L
J
QLQWR 0
6
10HVVHQ
J
H
U
E
6
FUROOWRWKHFRQWDFWZLWKZKRP
\
RXZDQWWRFKDW
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
6
HQG0HVVD
JH
G
(
QWHU\RXUPHVVDJHDQ
G
VH
O
HFW
6
HQ
G
7KL
VVWDUWVDF
K
DWZ
L
W
K
W
K
HFRQWDFW
7
RTX
L
F
NO
\D
GG
FRPPRQPHVVDJHVVH
O
HFW
7
RTX
L
F
NO
\D
GG
FRPPRQPHVVDJHVVH
O
HFW
0
HQ
X0
HQ
X
VH
O
HFWVH
O
HFW
0
\
0
\
7
H[
W7
H[
W
DQ
G
W
K
HQVH
O
HFWW
K
HWH[WWRXVH
7
RH
GL
WW
KL
VWH[WVH
O
HFWDQ
G
W
K
HQVH
O
HFWW
K
HWH[WWRXVH
7
RH
GL
WW
KL
VWH[WVH
O
HFW
0
HQ
X0
HQ
X
VH
O
HFWVH
O
HFW
2
SWLRQ
V2
SWLRQ
V
DQ
G
W
K
HQVH
O
HFWDQ
G
W
K
HQVH
O
HFW
(GL
W
0
\
7
H[
W(GL
W
0
\
7
H[
W
6
HOHFW
6
HOHFW
W
K
HWH[WPD
N
HDQ\H
GL
WVDQ
G
W
K
HQVH
O
HFWW
K
HWH[WPD
N
HDQ\H
GL
WVDQ
G
W
K
HQVH
O
HFW
'
RQ
H'
RQ
H
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7RUHSO\WRDQLQVWDQWPHVVDJH
D 6HOHFW0HQXDQGWKHQ&KDWV
E 6HOHFW WKH QDPH RI WKH SHUVRQ VHQGLQJ WKH LQVWDQW
PHVVDJH7KHPHVVDJHGLVSOD\VDORQJZLWKDER[IRU
\RXUUHSO\
F (QWHU\RXUUHSO\DQGVHOHFW6HQG
,I\RXZDQWWREHDEOHWRUHFHLYHLQVWDQWPHVVDJHVDWDQ\
WLPH\RXU6PDUWSKRQHLVFRQQHFWHGWRDQHWZRUNVHOHFW
0HQXDQGWKHQ2SWLRQV6HOHFW3DVVSRUW$FFRXQWVHOHFW
5XQWKLVSURJUDPZKHQFRQQHFWLRQLVDYDLODEOHDQGWKHQ
VHOHFW'RQH
7RLQYLWHDFRQWDFWWRDQRQJRLQJFKDW)URPDFKDW
VHOHFW0HQXVHOHFW,QYLWHDQGWKHQVHOHFWDFRQWDFW7KH
FRQWDFW UHFHLYHV DQ LQVWDQW PHVVDJH DQG FDQ MRLQ WKH
FKDW
7RFKDQJHEHWZHHQFKDWV
D 6HOHFW0HQXDQGWKHQ&KDWV
E ,QWKHOLVWRIRQJRLQJFKDWVVHOHFWWKHQDPHRIDFRQWDFW
ZLWKZKRPWRFKDW
7RUHWXUQWRWKHFRQWDFWVOLVW)URPDFKDWVHOHFW0HQX
DQGWKHQ0\&RQWDFWV
7RHQGDFKDW6HOHFW0HQXDQGWKHQ(QG&KDW
7RVHHZKRLVDOUHDG\FKDWWLQJ6HOHFW0HQXDQGWKHQ
&KDWV
7REORFNRUXQEORFNDQ0610HVVHQJHUFRQWDFW
D ,QWKH0610HVVHQJHUFRQWDFWVOLVWVHOHFWWKHFRQWDFWV
QDPH
E 6HOHFW0HQXDQGWKHQ%ORFN7KHFRQWDFWZLOOQRORQJHU
EHDEOHWRVHH\RXUVWDWXVRUVHQG\RXPHVVDJHV
F 7R XQEORFN WKH FRQWDFW VHOHFW 0HQX DQG WKHQ
8QEORFN
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
7RFKDQJH\RXUVWDWXV
D ,QWKH0610HVVHQJHUFRQWDFWVOLVWVHOHFW\RXUQDPH
E 6HOHFW DVWDWXV GHVFULSWLRQVXFKDV$ZD\7KLVVWDWXVLV
GLVSOD\HG QH[W WR \RXU QDPH LQ WKH FRQWDFW OLVWV RI \RXU
FRQWDFWV
7RFKDQJH\RXUGLVSOD\QDPH
D ,QWKH0610HVVHQJHUFRQWDFWVOLVWVHOHFW0HQX
E 6HOHFW2SWLRQVDQGWKHQ3DVVSRUW$FFRXQW
F ,Q 0\GLVSOD\ QDPHHQWHU \RXU QDPH DV \RX ZDQW LW WR
GLVSOD\LQWKHFRQWDFWVOLVWVRI\RXUFRQWDFWV
0HVVDJLQJ
IHDWXUHV
6PDUWSKRQH8VHU0DQXDO
&KDSWHU
&RQWDFWV&DOHQGDUDQG7DVNV
8VLQJ&RQWDFWV
8VLQJ&DOHQGDU
8VLQJ7DVNV
8VLQJ3KRWR&RQWDFWV
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
8VLQJ&RQWDFWV
<RXFDQWKLQNR
I
&
RQWDFWVDVDQRQOLQHDGGUHVVERRNZKHUH\RX
FDQVWRUHLQ
I
RUPDWLRQDERXWSHRSOHDQGEXVLQHVVHV\RXFRPPX
Q
L
FDWHZ
L
W
K
L
QFRQWDFWFDU
G
V
)
RUH[DPS
O
H\RXFDQVWRUHPX
O
W
L
S
O
H
S
K
RQHQXP
E
HUVHPD
LO
DQ
G
VWUHHWD
GG
UHVVHV
:
H
E
SDJHV
EL
UW
K
GD\DQQLYHUVDU\GDWHHWF<RXFDQXVH
&
RQWDFWVWRGLDOSKRQH
QXPEHUVDQGFRPSRVHHPDLODQG
6
0
6
PHVVDJHVGLUHFWO\
I
URP
DFRQWDFWFDU
G
7
K
H&RQWDFW
O
LV
W
7KH&RQWDFWVOLVWGLVSOD\VWKHQDPHVRI\RXUFRQWDFWVDOSKDEHW
L
FDOO\DORQJ ZLWK DQDEEUHYLDWLRQ
I
RUWKH GH
I
DXOWFRPPXQLFDWLRQ
PHWKRGVXFKDVWKHSHUVRQVZRUNSKRQHQXPEHU
Z
RUKRPH
SKRQHQXPEHU
K
7KLVPDNHVLWHDV\WRUHDFKWKHFRQWDFWXVLQJ
WKHPHWKRG\RXSUH
I
HU
,
I
WKHFRQWDFWFDUGLQFOXGHVDZRUNSKRQHQXPEHU\RXUSKRQH,
I
WKHFRQWDFWFDUGLQFOXGHVDZRUNSKRQHQXPEHU\RXUSKRQH
ZLOODXWRPDWLFDOO\VHWLWDVWKHGH
I
DXOWQXPEHU
ZLOODXWRPDWLFDOO\VHWLWDVWKHGH
I
DXOWQXPEHU
7
R
DFFHVV
&R
Q
WDFWV
2
QWKH+RPHVFUHHQSUHVVWKH
&
RQWDFWV
VR
I
WNH\
7KH
I
ROORZLQJWDEOHVKRZVSRVVLEOHDEEUHYLDWLRQVWKDWPLJKWEHGL
V
SOD\HGLQWKH
&
RQWDFWVOLVWDQGWKHLUPHDQLQJV
$EEUHYLDWLRQ 0HDQLQJ $EEUHYLDWLRQ 0HDQLQJ
Z
:
RU
N
S
K
RQ
H
FDU
&
DUSKRQ
H
Z
6
HFRQGZRUN
SK
RQ
H
VPV
6
0
6
DGGUHV
V
K
+
RPHS
K
RQ
H
H
(
PD
LO
D
GG
UHV
V
K
6
HFRQGKRPH
S
K
RQ
H
H
6
HFRQGHPDLO
D
GG
UHV
V
P
0
R
ELO
HS
K
RQ
H
H
7KL
U
G
HPD
LO
D
GG
UHV
V
SJU
3
DJH
U
ZH
E
:
H
E
SDJ
H
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7RFDOODFRQWDFWXVLQJWKHGHIDXOWQXPEHU
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
E
6
HOHFWWKHFRQWDFWWRFDOO
F
3
UHVVW
K
H
7
D
ON
EXWWRQ7KH
6
PDUWSKRQHGLDOVWKHFRQWDFWV
GH
I
DXOW SKRQH QXPEHU 7KH DEEUHYLDWLRQ
I
RU WKLV QXPEH
U
DSSHDUVWRWKHULJKWR
I
WKHFRQWDFWQDPH
,
I
\RXKDYHDORQJOLVWR
I
FRQWDFWVDQG\RXGRQWVHHWKHFRQWDF
W
,
I
\RXKDYHDORQJOLVWR
I
FRQWDFWVDQG\RXGRQWVHHWKHFRQWDF
W
\RXZDQWWRFDOORQWKH
¿
UVWVFUHHQHQWHUWKH
¿
UVW
I
HZOHWWHUVR
I
WKH\RXZDQWWRFDOORQWKH
¿
UVWVFUHHQHQWHUWKH
¿
UVW
I
HZOHWWHUVR
I
WKH
FRQWDFWVQDPHWKHSKRQHZLOOVHDUFKWKURXJKWKHHQWLUH
&
RQWDFWVFRQWDFWVQDPHWKHSKRQHZLOOVHDUFKWKURXJKWKHHQWLUH
&
RQWDFWV
OL
VWDQ
G
GL
VS
O
D\W
K
HQDPH
OL
VWDQ
G
GL
VS
O
D\W
K
HQDPH
7R FDOO D FRQWDFW XVLQJ D QXPEHU RWKHU WKDQ WKH GH
I
DXOW
QXP
E
HU
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
E
6
HOHFWWKHFRQWDFWVFUROOULJKWRUOH
I
WWRGLVSOD\WKHDEEUHYLDWLRQ
I
RU WKH QXPEHU \RX ZDQW WR XVH DQG WKHQ SUHVV WKH
7
D
ON
E
XWWRQ
7R
¿
QGDFRQWDFWE\HQWHULQJDQDPH
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
E
%HJLQHQWHULQJWKHQDPHR
I
WKHFRQWDFWWR
¿
QGXQWLOWKHQDPH
LVGLVSOD\HG)RUH[DPSOHWR
¿
QG
6
DQGUDHQWHU
EHFDXVHWKHVHQXPEHUVFRUUHVSRQGWRWKHOHWWHUV
I
RUWKDW
QDPH
7R¿OWHUFRQWDFWV
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
E
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
)LO
WH
U
F
6
HOHFWDFDWHJRU\WR
¿
OWHUVXFKDV%XVLQHVV0LVFHOODQHRXV
RU
3
HUVRQD
O
7K
HFRQWDFWVDVV
L
JQH
G
WRW
K
HFDWHJRU\\RXVH
O
HFW
DUH
GL
VS
O
D\H
G
L
QW
K
H
OL
VW
7
RFUHDWHDQHZFRQWDFW
D
2
QWKH
+
RP
H
VFUHHQSUHVVW
K
H
&
RQWDFW
V
VR
I
WNH\DQGSUHVV
W
K
H
1
H
Z
VR
I
WNH\
E
(QWHULQ
I
RUPDWLRQ
I
RUWKHQHZFRQWDFW
F
6
HOHFW
'
RQ
H
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7RGHOHWHDFRQWDFW
D 2QWKH+RPHVFUHHQSUHVVWKH&RQWDFWVVRIWNH\
E 6HOHFWWKHFRQWDFWWRGHOHWHSUHVVWKH0HQXVRIWNH\VHOHFW
'HOHWHDQGWKHQVHOHFW<HVWRFRQ¿UP
&RQWDFWFDUGV
$FRQWDFWFDUGGLVSOD\VDOORIWKHLQIRUPDWLRQWKDW\RXKDYHHQWHUHG
IRUWKHFRQWDFWVXFKDVQDPHRIWKHSHUVRQRUEXVLQHVVSKRQH
QXPEHUVHPDLODGGUHVVHVDQGPRUH)URPDFRQWDFWFDUGMXVW
VHOHFWDSKRQHQXPEHUDQGSUHVVWKH7DONEXWWRQWRFDOOWKHQXPEHU
<RXFDQDOVRVHOHFWDQHPDLODGGUHVVDQGSUHVVWKH$FWLRQEXWWRQ
WREHJLQFRPSRVLQJDPHVVDJHWRWKHFRQWDFW
7RYLHZDQGHGLWDFRQWDFWFDUG
D 2QWKH+RPHVFUHHQVHOHFW&RQWDFWV
E 6HOHFWWKHFRQWDFWZKRVHFDUG\RXZDQWWRYLHZ
F 7RHGLWWKHFDUGVHOHFW(GLW
G :KHQ¿QLVKHGPDNLQJFKDQJHVVHOHFW'RQH
7RFDOODFRQWDFWIURPDFRQWDFWFDUG
D 2QWKH+RPHVFUHHQVHOHFW&RQWDFWV
E 6HOHFWWKHFRQWDFWDQGSUHVVWKH$FWLRQEXWWRQWRRSHQWKH
FRQWDFWFDUG
F 6HOHFWWKHQXPEHUWRXVHDQGSUHVVWKH7DONEXWWRQ
7RVHQGDQHPDLOIURPDFRQWDFWFDUG
D 2QWKH+RPHVFUHHQVHOHFW&RQWDFWV
E 6HOHFWWKHFRQWDFWDQGSUHVVWKH$FWLRQEXWWRQWRRSHQWKH
FRQWDFWFDUG
F 6HOHFWWKHHPDLODGGUHVVDQGSUHVVWKH$FWLRQEXWWRQ
G 6HOHFWDQDFFRXQWWRXVHDQGSUHVVWKH$FWLRQEXWWRQ
H (QWHU D VXEMHFW FRPSRVH \RXU PHVVDJH DQG WKHQ VHOHFW
6HQG
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
58,0FRQWDFW
58,0FRQWDFWVDUHVWRUHGRQ\RXU58,0FDUG:KHQ\RXLQVHUW
\RXU58,0FDUGLQWRDGLIIHUHQWGHYLFH\RXFDQYLHZ DQGXVH
WKH58,0FRQWDFWLQIRUPDWLRQRQWKHQHZGHYLFH8QOLNHUHJXODU
FRQWDFWFDUGV\RXFDQVWRUHRQO\SKRQHQXPEHUIRUHDFK5
8,0FRQWDFW
7RFUHDWHDQHZ58,0FRQWDFW
2QWKH+RPHVFUHHQVHOHFW&RQWDFWVDQGWKHQ0HQX
6HOHFW1HZ58,0&RQWDFW
(QWHUWKHFRQWDFWVQDPHDQGSKRQHQXPEHU
6HOHFW'RQH
7KHQHZFRQWDFWDSSHDUVLQ\RXUFRQWDFWOLVW$58,0LFRQDS
SHDUVWRWKHULJKWRIWKHQDPHLQGLFDWLQJWKDWWKHFRQWDFWLVVWRUHG
RQ\RXU58,0FDUG
8VLQJFRQWDFWFDUGPHQXRSWLRQV
8VLQJ WKH FRQWDFW FDUG PHQX RSWLRQV \RX FDQ TXLFNO\ DSSO\ D
VSHHGGLDOWRWKHFRQWDFWEHDPWKHFRQWDFWFDUGWRDQRWKHUPRELOH
GHYLFHRUDGHVNWRS3&XVLQJLQIUDUHGHWF
7RYLHZFRQWDFWFDUGPHQXRSWLRQV2QWKH+RPHVFUHHQVHOHFW
&RQWDFWVDQGWKHQ0HQX
7KHIROORZLQJWDEOHOLVWVWKHFRQWDFWFDUGPHQXRSWLRQVDQGWKHLU
IXQFWLRQV
0HQX2SWLRQV )XQFWLRQ
$GG6SHHG'LDO (QDEOHV\RXWRFUHDWHDVKRUWFXWWRDSKRQHQXPEHU
HPDLODGGUHVVRU:HE85/E\DVVLJQLQJRQHRU
WZRQXPEHUVDVDVSHHGGLDO
6HQG606 (QDEOHV\RXWRVHQGDVKRUWPHVVDJHWRWKHFRQ
WDFWSHUVRQ
6DYHWR58,0 6DYHWKHFRQWDFWWR58,0FDUG
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
0HQX2SWLRQV )XQFWLRQ
6HWDV'HIDXOW
0DNHVWKHVHOHFWHGSKRQHQXPEHURUHPDLODGGUHVV
WKHGHIDXOWFRPPXQLFDWLRQPHWKRGHIRUWKHFRQWDFW
%HDP&RQWDFW 6HQGVWKHFRQWDFWFDUGWRDQRWKHUPRELOHGHYLFHRU
DGHVNWRS3&XVLQJLQIUDUHG
'HOHWH 5HPRYHVWKHFRQWDFWFDUGIURPWKH&RQWDFWVOLVW
(GLW
(QDEOHV\RXWRPRGLI\LQIRUPDWLRQLQWKHFRQWDFWFDUG
8VLQJ&DOHQGDU
&DOHQGDULVWKHVFKHGXOLQJSURJUDPRQ\RXU6PDUWSKRQHZKHUH
\RXFDQFUHDWHDQGYLHZDSSRLQWPHQWVDQGYLHZ\RXUFDOHQGDUE\
GD\ZHHNRUPRQWK:KHQ\RXFUHDWHDQGHGLWDSSRLQWPHQWVLQ
&DOHQGDU\RXUFKDQJHVDUHUHÀHFWHGLQ2XWORRNRQ\RXUGHVNWRS
FRPSXWHUZKHQ\RXV\QFKURQL]H
7RRSHQ&DOHQGDU
2QWKH+RPHVFUHHQVHOHFW6WDUWDQGWKHQ&DOHQGDU
7RFUHDWHDQHZDSSRLQWPHQW
D 2QWKH+RPHVFUHHQVHOHFWWKH6WDUWVRIWNH\
E 6HOHFW&DOHQGDU
F 6HOHFW0HQXDQGWKHQ1HZ
G (QWHULQIRUPDWLRQDERXWWKHDSSRLQWPHQW
H ,Q5HPLQGHU VFUROO WR WKH DPRXQW RI WLPH EHIRUH WKH
DSSRLQWPHQWWKDW\RXZDQWWREHUHPLQGHG,I\RXGRQWZDQW
WREHUHPLQGHGVHOHFW1RQH
:KHQ \RX FUHDWH D QHZ DSSRLQWPHQW RQ \RXU 6PDUWSKRQH
\RX FDQ V\QFKURQL]H &DOHQGDU ZLWK \RXU GHVNWRS FRPSXWHU RU
([FKDQJH6HUYHUWRNHHS\RXUVFKHGXOHLQIRUPDWLRQXSWRGDWH
LQDOOORFDWLRQV
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7KHGH
I
DXOWUHPLQGHUWLPHLV7KHGH
I
DXOWUHPLQGHUWLPHLV
PLQXWH
V
PLQXWH
V
SU
L
RUWRDQDSSR
L
QWPHQWSU
L
RUWRDQDSSR
L
QWPHQW
<
RXFDQF
K
DQJHW
KL
V
E
\VH
O
HFW
L
QJ
<
RXFDQF
K
DQJHW
KL
V
E
\VH
O
HFW
L
QJ
0
HQ
X0
HQ
X
DQ
G
W
K
HQDQ
G
W
K
HQ
2
SWLRQ
V2
SWLRQ
V
I
URP
I
URP
ZLWKLQ
&
DOHQGDU
ZLWKLQ
&
DOHQGDU
7
RH
GL
WDQDSSR
L
QWPHQW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
&
DOHQGD
U
F
6
HOHFWWKHDSSRLQWPHQW SUHVV WKH
$
FW
L
R
Q
E
XWWRQDQ
G
W
K
HQ
VH
O
HFW
(GLW
G
,
I
WKH DSSRLQWPHQW LV UHFXUULQJ VHOHFW
<
H
V
WR H
GL
WRQ
O
\W
K
H
FXUUHQWRFFXUUHQFHRUVH
O
HFW
1R
WRH
GL
WW
K
HVHU
L
HV
H
0
D
N
H\RXUF
K
DQJHVDQ
G
VH
O
HFW
'
RQ
H
7
R
G
H
O
HWHDQDSSR
L
QWPHQW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ
&
DOHQGD
U
E
6FUROOWRWKHD
SS
RLQWPHQWWRGHOHWH
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
'
H
O
HW
H
G
,
I
WKHDSSRLQWPHQWLVUHFXUULQJVHOHFW
<
H
V
WR
G
H
O
HWHRQ
O
\W
K
H
FXUUHQWRFFXUUHQFHRUVH
O
HFW
1R
WR
G
H
O
HWHW
K
HVHU
L
HV
9LHZLQ
J
\RXUVF
K
H
G
X
OH
<RX FDQ YLHZ \RXU VFKHGXOH LQ WKUHH GL
II
HUHQW YLHZV$JHQGD
:
HH
N
DQ
G
0
RQW
K
$
JHQ
G
D Y
L
HZ
$JHQGD YLHZ LV WKH GH
I
DXOW YLHZ
I
RU FDOHQGD
U
LQ
I
RUPDWLRQ 7KLV YLHZ GLVSOD\V PHHWLQJV DQG DSSRLQWPHQWV
VFKHGXOHG
I
RU WKH FXUUHQW GD\$SSRLQWPHQWV DUH VKRZQ LQ
F
K
URQR
O
RJ
L
FD
O
RU
G
HUDFFRU
GL
QJWRVWDUWW
L
PH
$OO
G
D\DSSR
L
QWPHQWV
DUHVKRZQDVDVLQJOHOLQHDWWKHWRSR
I
WKH$JHQGDYLHZ
D
7
R Y
L
HZ WR
G
D\
V DJHQ
G
D
<
RX PD\ VH
O
HFW \RXU XSFRP
L
QJ
DSSR
L
QWPHQWVRQW
K
H
+
RP
H
VFUHHQRU\RXPD\VH
O
HFW
0
HQ
X
I
URP
:
HH
N
RU
0
RQW
K
Y
L
HZ
L
Q
&
DOHQGD
U
DQ
G
W
K
HQ
*
R WR
7
R
G
D
\
7RYLHZSUHYLRXVRUDSSURDFKLQJGDWHVVFUROOOH
I
WR
U
U
L
J
K
W
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
E 7R YLHZ \RXUDJHQGD IRU DVSHFL¿F GDWH 2QWKH +RPH
VFUHHQVHOHFW6WDUW6HOHFW&DOHQGDU6HOHFW0HQXDQGWKHQ
*RWR'DWH(QWHUWKHGDWHWRYLHZDQGVHOHFW'RQH
:HHNYLHZ:HHNYLHZVKRZV\RXUVFKHGXOHDZHHNDWDWLPH
:HHNYLHZJLYHV\RXDTXLFNLQGLFDWLRQRI\RXUIUHHDQGEXV\
WLPHDQGDOORZV\RXWRFUHDWHDQDSSRLQWPHQWDWDVHOHFWHGWLPH
HDVLO\
%\GHIDXOW:HHNYLHZGLVSOD\VWKHKRXUVIURP$0WR
30LQRQHKRXULQFUHPHQWVRQWKHOHIWVLGHRIWKHVFUHHQ<RX
FDQVFUROOXSRUGRZQWRVKRZWKHKRXUVEHIRUHRUDIWHUWKRVH
GLVSOD\HG
7R YLHZ DSSRLQWPHQWVIRU WKHZHHN 2Q WKH+RPH VFUHHQ
VHOHFW 6WDUW 6HOHFW &DOHQGDU 6HOHFW 0HQX DQG WKHQ :HHN
9LHZ
0RQWKYLHZ0RQWKYLHZSURYLGHVDQRYHUYLHZRI\RXUVFKHGXOH
RQHPRQWKDWDWLPH$UURZVSRLQWLQJXSZDUGUHSUHVHQWPRUQLQJ
DSSRLQWPHQWV DQG DUURZV SRLQWLQJ GRZQZDUG UHSUHVHQW
DIWHUQRRQDSSRLQWPHQWV,I\RXKDYHERWKPRUQLQJDQGDIWHUQRRQ
DSSRLQWPHQWVRQWKHVDPHGD\WKHDUURZVIRUPDFRORUHGER[
$OOGD\HYHQWVDUHLQGLFDWHGE\DQHPSW\ER[,I\RXKDYHPRUQLQJ
DQGDIWHUQRRQDSSRLQWPHQWVDQGDQDOOGD\HYHQWRQWKHVDPH
GD\DQHPSW\ER[VXUURXQGVDFRORUHGER[
7R YLHZ DSSRLQWPHQWVIRU WKHZHHN 2Q WKH+RPH VFUHHQ
VHOHFW 6WDUW 6HOHFW &DOHQGDU 6HOHFW 0HQX DQG WKHQ 0RQWK
9LHZ
&XVWRPL]LQJWKHFDOHQGDUYLHZ
<RXFDQFKDQJHYLHZLQJRSWLRQVIRU&DOHQGDUVXFKDVVSHFLI\
LQJWKH¿UVWGD\RIWKHZHHNDQGWKHQXPEHURIGD\VSHUZHHNWR
GLVSOD\DVZHOODVVKRZLQJDQGKLGLQJZHHNQXPEHUV
2QWKH+RPHVFUHHQVHOHFW6WDUW
6HOHFW&DOHQGDU
6HOHFW0HQXDQGWKHQ2SWLRQV
6FUROOWRVHOHFWWKHRSWLRQV\RXZDQWDQGVHOHFW'RQH
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
,PSRUWLQJFDOHQGDULQIRUPDWLRQ
<RXFDQLPSRUWFDOHQGDULQ
I
RUPDWLRQ
I
URPDQRWKHUFDOHQGDUSUR
JUDPWKDWXVHVWKHL
&
DORUY
&
DO
I
RUPDW<RXFDQLPSRUWFDOHQGD
U
LQ
I
RUPDWLRQ
I
URPDWWDFKPHQWVLQHPDLOPHVVDJHV
6
0
6
PHVVDJHV
DQGOLQNVLQ0LFURVR
IW
5
3
RF
N
HW
,
QWHUQHW
(
[S
O
RUHURU
E
\
E
HDP
L
QJ
:KHQ\RXLPSRUWLQ
I
RUPDWLRQDQGWKHQV\QFKURQL]HWKHLQ
I
RUPDWLRQ
LVDGGHGWR
2
XWORRNRQ\RXUGHVNWRSFRPSXWHU
8VLQJ7DV
NV
$
WDV
N
L
VDSHUVRQD
O
RUZRU
N
UH
O
DWH
G
SUR
M
HFWDVV
L
JQPHQWRUHUUDQ
G
WRWUDF
N
W
K
URXJ
K
FRPS
O
HW
L
RQ
$
WDV
N
FDQRFFXURQFHRU
L
WFDQUHFXU
$
UHFXUU
L
QJWDV
N
FDQUHSHDWDWUHJX
O
DU
L
QWHUYD
O
VRUUHSHDW
E
DVH
G
RQW
K
H
G
DWH\RXPDU
N
W
K
HWDV
N
FRPS
O
HWH
)
RUH[DPS
O
H\RXP
L
J
K
W
ZDQWWRSD\DELOORQWKHODVW)ULGD\R
I
HYHU\PRQWKRUJHWDKDLUFXW
Z
K
HQRQHPRQW
K
K
DVSDVVH
G
V
L
QFH\RXU
O
DVW
K
D
L
UFXW
7KHWDVNOLVW
7K
HWDV
N
OL
VW
L
V\RXU
W
KL
QJVWR
G
R
OL
VW
:K
HQ\RXFUHDWHRUH
GL
WWDV
N
V
ZLWK
2
XWORRNRQ\RXUGHVNWRSFRPSXWHUDQGWKHQV\QFKURQL]HZLWK
\RXU
6
PDUWSKRQHDGGLWLRQDOWDVNLQ
I
RUPDWLRQPD\GLVSOD\
$
WDV
N
W
K
DW
K
DV
E
HHQPDU
N
H
G
DV
KL
J
K
SU
L
RU
L
W\
L
VSUHFH
G
H
G
E
\DQ
H[F
O
DPDW
L
RQPDU
N
DQ
G
RQHPDU
N
H
G
DV
O
RZSU
L
RU
L
W\
E
\D
G
RZQDUURZ
2
QFRORUGHYLFHVRYHUGXHWDVNVDUHGLVSOD\HGEROGDQGUHG
,
I
\RXV\QFKURQL]HWDVNVZLWK\RXUGHVNWRSFRPSXWHUFRPSOHWHG,
I
\RXV\QFKURQL]HWDVNVZLWK\RXUGHVNWRSFRPSXWHUFRPSOHWHG
WDVNVDUHUHPRYHG
I
URP\RXU
6
PDUWSKRQHGXULQJV\QFKURQL]DWLRQWDVNVDUHUHPRYHG
I
URP\RXU
6
PDUWSKRQHGXULQJV\QFKURQL]DWLRQ
7K
H\DUHW
K
HQ
GL
VS
O
D\H
G
L
QJUD\Z
L
W
K
DVWU
LN
HW
K
URXJ
K
RQ\RX
U
7K
H\DUHW
K
HQ
GL
VS
O
D\H
G
L
QJUD\Z
L
W
K
DVWU
LN
HW
K
URXJ
K
RQ\RX
U
G
HV
N
WRSFRPSXWHU
G
HV
N
WRSFRPSXWHU
7
RFUHDWHDQHZWDV
N
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
0
RU
H
DQ
G
W
K
HQ
&
DOHQGD
U
(
QWHUW
K
HWDV
N
DQ
G
SUHVVW
K
H
$
FW
L
R
Q
N
H\
7R PDUN D WDVN DV
&
RPSOHWH
2
Q WKH
+
RP
H
VFUHHQ VH
O
HFW
6
WDU
W
0
RU
H
DQ
G
W
K
HQ
&
DOHQGD
U
6
FUROOWRWKHWDVN DQG VHOHFW
&
RPSOHW
H
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7R FKDQJHD FRPSOHWHG WDVNWR LQFRPSOHWH2Q WKH +RPH
VFUHHQVHOHFW6WDUW0RUHDQGWKHQ&DOHQGDU6FUROOWRWKHWDVN
DQGVHOHFW$FWLYDWH
7RGHOHWHDWDVNIURPWKHWDVNOLVW2QWKH+RPHVFUHHQVHOHFW
6WDUW0RUHDQG WKHQ &DOHQGDU 6FUROOWRWKH WDVN DQG VHOHFW
'HOHWH
8VLQJYRLFHQRWHV
<RXFDQXVH9RLFH1RWHVWRZRUNZLWKVKRUWYRLFHUHFRUGLQJVRU
YRLFHQRWHV9RLFHQRWHVDUHLQFOXGHGLQWKH$OO1RWHVOLVWDQGDUH
QDPHGFRQVHFXWLYHO\5HFRUGLQJ5HFRUGLQJDQGVRRQ
7RFUHDWHDYRLFHQRWH
D +ROGWKH6PDUWSKRQHPLFURSKRQHQHDU\RXUPRXWK
E 3UHVVWKH9RLFH5HFRUGHUEXWWRQVHOHFWWKH5HFRUGVRIWNH\
DQGVSHDN\RXUYRLFHQRWH
F 6HOHFW6WRSWRVWRSUHFRUGLQJDYRLFHQRWH7KHYRLFHQRWHLV
UHFRUGHGDQGDSSHDUVLQWKH$OO1RWHVOLVWRI9RLFH1RWHV
G 7ROLVWHQWRD UHFRUGLQJVHOHFWLWLQWKH$OO 1RWHVOLVW VHOHFW
0HQXDQGWKHQVHOHFW3OD\
7RUHQDPHDYRLFHQRWH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ9RLFH1RWHV
F 6FUROOWRWKHYRLFHQRWHWRUHQDPH
G 6HOHFW0HQXDQGWKHQ5HQDPH
H ,Q1DPHHQWHUDQHZQDPH
I 6HOHFW'RQH
7RGHOHWHDYRLFHQRWH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ9RLFH1RWHV
F 6FUROOWRWKHYRLFHQRWHWRGHOHWH
G 6HOHFW0HQXDQGWKHQ'HOHWH
H 6HOHFW<HV
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
,
I
\RXGHOHWHDYRLFHQRWHWKDWKDVDGH
I
DXOWQDPHVXFKDV9RLFH,
I
\RXGHOHWHDYRLFHQRWHWKDWKDVDGH
I
DXOWQDPHVXFKDV9RLFH
1RWHWKLVQDPHEHFRPHVDYDLODEOH
I
RUDQHZYRLFHQRWHWKDW1RWHWKLVQDPHEHFRPHVDYDLODEOH
I
RUDQHZYRLFHQRWHWKDW
\RXFUHDWH)RUH[DPSOHL
I
\RXKDYHWKUHHYRLFHQRWHVQDPHG\RXFUHDWH)RUH[DPSOHL
I
\RXKDYHWKUHHYRLFHQRWHVQDPHG
9RLFH1RWH
9RLFH1RWH
DQG9RLFH1RWH
DQG\RXGHOHWH9RLFH1RWH
9RLFH1RWH
DQG9RLFH1RWH
DQG\RXGHOHWH
9RLFH 1RWH
WKH QH[W YRLFH QRWH \RX FUHDWH ZLOO EH QDPHG9RLFH 1RWH
WKH QH[W YRLFH QRWH \RX FUHDWH ZLOO EH QDPHG
9RLFH1RWH
9RLFH1RWH
%HDPLQJLQ
I
RUPDWLR
Q
<RXFDQXVHWKH%OXHWRRWKRULQ
I
UDUHGSRUWRQ\RXU
6
PDUWSKRQH
WRVHQGDQGUHFHLYH
EHDP
FDOHQGDUDSSRLQWPHQWVDQGFRQWDFW
FDUGVEHWZHHQ\RXU
6
PDUWSKRQHDQGDQRWKHUPRELOH GHYLFHR
U
DGHVNWRS FRPSXWHU WKDWKDV %OXHWRRWK RUDQ LQ
I
UDUHGSRUW DQG
VXSSRUWVY
&
DUGVDQG Y
&
DO$OWHUQDWLYHO\+RZHYHU \RXFDQ QRW
E
HDP
5
8,0
FRQWDFWV
7
R
E
HDPDFRQWDFW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
&
RQWDFW
V
E
6
HOHFWWKHFRQWDFWWREHDP
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ %HDP
&
RQWDF
W
G
6
FUROOWRWKHGHYLFHWRZKLFK\RXZDQWWREHDP
H
7REHDPE\LQ
I
UDUHGPDNHVXUHWKDWWKHLQ
I
UDUHGSRUWVDUH
XQREVWUXFWHGDQGZLWKLQFORVHUDQJHR
I
HDFKRWKHU
I
7
R
E
HDP
E
\XV
L
QJ
%O
XHWRRW
K
PD
N
HVXUHW
K
DW
E
RW
K
%O
XHWRRW
K
UD
GL
RVDUHWXUQH
G
RQDQ
G
W
K
DW
%O
XHWRRW
K
L
V
GL
VFRYHUD
EO
HRQ
W
K
HUHFH
L
Y
L
QJ
G
HY
L
FH
J
6
HOHFW
%
HDP
6
WDWXVLQ
I
RUPDWLRQZLOOWKHQEHGLVSOD\HGLQGLFDWLQJWKHQDPHR
I
WKHGHYLFHWRZKLFKWKH
6
PDUWSKRQHLVEHDPLQJDQGZKHWKH
U
WKHEHDPLQJSURFHVVLVSHQGLQJ
¿
QLVKHGRUKDV
I
DLOHG
7
R
E
HDPDQDSSR
L
QWPHQW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
&
DOHQGD
U
F
6
HOHFWWKHDSSRLQWPHQWWREHDP
G
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
%
HDP
$
SSR
L
QWPHQ
W
H
6
FUROOWRWKHGHYLFH\RXZDQWWREHDPWR
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
I
7REHDPE\LQ
I
UDUHGPDNHVXUHWKDWWKHLQ
I
UDUHGSRUWVDUH
XQREVWUXFWHGDQGZLWKLQFORVHUDQJHR
I
HDFKRWKHU
J
7
R
E
HDP
E
\XV
L
QJ
%O
XHWRRW
K
PD
N
HVXUHW
K
DW
E
RW
K
%O
XHWRRW
K
UD
GL
RVDUHWXUQH
G
RQDQ
G
W
K
DW
%O
XHWRRW
K
L
V
GL
VFRYHUD
EO
HRQ
W
K
HUHFH
L
Y
L
QJ
G
HY
L
FH
K
6
HOHFW
%
HD
P
6
WDWXVLQ
I
RUPDWLRQGLVSOD\VLQGLFDWLQJWKHQDPHR
I
WKHGHYLFH
WRZKLFKWKH
6
PDUWSKRQHLVEHDPLQJDQGZKHWKHUWKHEHDPLQJ
SURFHVVLVSHQGLQJ
¿
QLVKHGRUKDV
I
DLOHG
7RUHFHLYHEHDPHGLQIRUPDWLRQ
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
6
HWWLQJ
V
D
Q
G
W
KH
Q
%
HD
P
F
6
HOHFW
5
HFH
L
YH
L
QFRP
L
QJ
E
HDP
V
G
7RUHFHLYHE\LQ
I
UDUHGDOLJQWKHLQ
I
UDUHGSRUWVVRWKDWWKH\
DUHXQREVWUXFWHGDQGZLWKLQFORVHUDQJHR
I
HDFKRWKHU
H
7
RUHFH
L
YH
E
\XV
L
QJ
%O
XHWRRW
K
PD
N
HVXUH\RXU
%O
XHWRRW
K
UD
GL
R
L
VWXUQH
G
RQDQ
G
L
Q
GL
VFRYHUD
EO
HPR
G
H
I
6
HOHFW
<
H
V
WRUHFHLYHWKHLQ
I
RUPDWLRQ
2
QFH \RX VHOHFW
5
HFH
L
YH
L
QFRP
L
QJ
E
HDP
V
\RXU
G
HY
L
FH
DXWRPDW
L
FD
OO
\UHFH
L
YHV
E
HDPVXQW
LO
\RXF
O
HDUW
KL
VF
K
HF
N
E
R[
<RXU
6
PDUWSKRQH FDQ UHFHLYH EHDPHG
¿
OHV R
I
DQ\ W\SH EXW<RXU
6
PDUWSKRQH FDQ UHFHLYH EHDPHG
¿
OHV R
I
DQ\ W\SH EXW
\RX PD\ QHHG WR FRS\ VRPH
¿
OHV WR \RXU GHVNWRS FRPSXWH
U
\RX PD\ QHHG WR FRS\ VRPH
¿
OHV WR \RXU GHVNWRS FRPSXWH
U
I
RUYLHZLQJ
I
RUYLHZLQJ
3KRWR&RQWDFWV
3KRWR
&
RQWDFW
V
PDNHV XVLQJ \RXU
6
PDUWSKRQH PRUH
I
XQ DQG
SUDFWLFDOWKDQHYHUEH
I
RUH,WDOORZV\RXWRDVVLJQVWLOORUDQLPDWHG
S
K
RWRVWRW
K
HHQWU
L
HV
L
Q\RX
U
&
RQWDFW
V
7K
HQZ
K
HQDSHUVRQFD
OO
V
\RX
I
RUZKRP\RXKDYHSUHYLRXVO\DVVLJQHG
D
S
K
RWR
,'
L
Q
&
R
Q
W
DF
WV
WKDW S
K
RWR
,'
ZLOODSSHDURQ\RXU
6
PDUWSKRQ
H
¶
VLQFRPLQJ
FD
OO
VFUHHQ8VHWKHULFKVHWR
I
I
HDWXUHVWRJHWWKHSKRWRVGLVSOD\HG
Z
L
W
K
W
K
HV
L
]HSRV
L
W
L
RQDQ
G
DQ
L
PDWH
G
,'
WHPS
O
DWH\RXZDQW
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7RDFWLYDWH3KRWR&RQWDFWV
3
U
HVV
6
WDUW0RUH W
KHQ
3KRWR
&
RQWDFW
V
3KRWR
&
RQWDFWVGRQRWUXQDXWRPDWLFDOO\ZKHQ\RXWXUQRQ\RX
U
3KRWR
&
RQWDFWVGRQRWUXQDXWRPDWLFDOO\ZKHQ\RXWXUQRQ\RX
U
S
K
RQH
<
RXPXVWWXUQW
K
HPRQ
S
K
RQH
<
RXPXVWWXUQW
K
HPRQ
7RFKHFNLI3KRWR&RQWDFWVDUHORDGHG
$IWHU\RXRSHQ3KRWR&RQWDFWVWKH\ZLOOVWDUWWRORDG
,I\RXVHH
L
QW
K
HWRSWRR
OE
DU
L
W
L
Q
GL
FDWHVS
K
RWRFRQWDFWVDUH
O
RD
G
H
G
LQGLFDWHVWKDWWKH\DUHQRWORDGHG\HWDQGWKHUH
I
RUH
DQ
L
QFRP
L
QJFD
OO
Z
LOO
QRWV
K
RZW
K
HS
L
FWXUH
7RFUHDWHDQHZSKRWRFRQWDFW
3
UHVV
6
WDUW0RUH W
K
H
Q
3KRWR
&
RQWDFW
V
6
HOHFWDFRQWDFW
I
URPWKHOLVWRUFUHDWHDQHZRQHE\SUHVVLQJ
0
HQXW
K
HQ
1
H
Z
&
RQWDFW
V&
RQWDFW
V
KHUH
I
XOO\PLUURUWKRVHLQKHUH
I
XOO\PLUURUWKRVHLQ 0LFURVR
I
W
&
RQWDFW
V
0LFURVR
I
W
&
RQWDFW
V
3
UHV
V
$
VV
L
JQ
3K
RW
R
6
HOHFWDSLFWXUH
¿
OHWKHQSUHVV
1
H[
W
WRORRNLQGL
II
HUHQW
I
ROGH
U
I
RUDSLFWXUHSUHVV
0
HQ
X
W
K
HQ
&
KDQJH)ROGH
U
DQG
'
RQ
H
7RFXVWRPL]HDQGDGMXVWVHWWLQJV
I
RUDFRQWDFW
6
HOHFW D SLFWXUH SUHVV
1
H[
W
DV
G
HVFU
LE
H
G
D
E
RYH W
K
HQ SUHVV
0
HQ
X
,
QW
KL
V
0
HQ
X
\
R
X
FDQ
D
&
KDQJHWKHDVVLJQHGWHPSODWHE\SUHVVLQJ
1
H[W
7
HPS
O
DWH
RU
3
UHY
L
RXV
7
HPS
O
DW
H
E
&
KDQJHWRSKRWRRQO\QRWHPSODWHE\SUHVVLQJ 'LVSOD\
6
H
W
W
L
QJ
V
W
K
HQ
8
VHS
K
RWRRQ
O\
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
$
I
H
Z
$
I
H
Z
VDPS
OH
VDPS
OH
3KRWR
&
RQWDFW
V
3KRWR
&
RQWDFW
V
WHPSODWHV
DQLPDWHGJUDSKLFDOWHPSODWHV
DQLPDWHGJUDSKLFDO
WHPSODWHVWKDWFDQ
I
UDPH\RXUDVVLJQHGSKRWRV
DUHLQFOXGHGWHPSODWHV WKDWFDQ
I
UDPH\RXUDVVLJQHGSKRWRV
DUHLQFOXGHG
LQ \RXU
6
PDUWSKRQH¶V ORFDO VWRUDJH LQ WKHLQ \RXU
6
PDUWSKRQH¶V ORFDO VWRUDJH LQ WKH
?
0\ 'RFXPHQWV
??
0\ 'RFXPHQWV
?
7
HPS
O
DWH
V7
HPS
O
DWH
V
IROGHU)RUPRUHWHPSODWHVJRWRIROGHU)RUPRUHWHPSODWHVJRWR ,$
6
W\O
H
ZH
E
V
L
WHZH
E
V
L
WH
KWWSZZZLDVW\OHFRP
F
&
KRRVHKRZ\RXZDQWWKHSKRWRWR
¿
WWRWKHZLQGRZ
G
(QODUJHWKHSKRWRL
I
LWLVVPDOOHUWKDQWKHZLQGRZ
H
,
I
\RXGLVDEOHWKHWHPSODWHRSWLRQWKHQ\RXFDQFKRRVHDVL]H
DQGSRVLWLRQ
I
RUWKHSLFWXUHE\SUHVVLQJ
&
KDQJHSRVLWLRQ
I
,
I
\RXFKRRVH
3K
RWRRQ
O
\
W
K
HQ\RXFDQ
G
HF
LG
H
L
WVV
L
]H
E
\
SUHVV
L
QJ 'LVSOD\
6
HWWLQJ
V
6
L]
H
W
K
HQF
K
RRV
L
QJDS
L
[H
O
V
L
]H
I
URPWKHOLVW
J
&
KRRVHWRDVVLJQDGL
II
HUHQWSKRWR
7RDVVLJQDSKRWR
I
URPWKHFDPHUD
3
UHVV
6
WDUW0RUH W
K
H
Q
3KRWR
&
RQWDFW
V
6
HOHFWDFRQWDFW
I
URPWKHOLVWRUFUHDWHDQHZRQH
3
U
HVV
$
VV
L
JQ
3K
RW
R
0
HQ
X
W
KHQ
1
H
Z
I
U
R
P
&
DPHU
D
$
I
WHU\RXWDNHWKHSLFWXUHFXVWRPL]HL
I
QHFHVVDU\WKHQSUHVV
'RQH
7RXQDVVLJQDSKRWR
3
UHVV
6
WDUW0RUH W
K
H
Q
3KRWR
&
RQWDFW
V
6
HOHFWDFRQWDFW
I
URPWKHOLVWDQGRSHQLW
3
UHV
V
0
HQ
X
W
K
HQ
8
QDVV
L
JQ
3K
RW
R
7R¿OWHUSKRWRV
3
UHVV
6
WDUW0RUH W
K
H
Q
3KRWR
&
RQWDFW
V
3
UHV
V
0
HQX
)LO
WHU WKHQVHOHFW
I
UR
P
1R)LOWHU
&
RQWDFWVRQO\
5
8,0
RQ
O
\DQ
G
*
URXS
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
7RFKDQJHIURP/DQGVFDSHWR3RUWUDLW
3UHVV6WDUW0RUHWKHQ3KRWR&RQWDFWV
6HOHFWDFRQWDFWIURPWKHOLVWDQGSUHVV$VVLJQ3KRWR
3UHVV0HQXWKHQVHOHFWWRGLVSOD\WKXPEQDLOVDV/DQGVFDSH
RU3RUWUDLW
0DQDJLQJ\RXUJURXSV
<RX FDQ FUHDWH D QHZ JURXS UHQDPH GHOHWH DQG DVVLJQ DQG
XQDVVLJQPHPEHUVDQGSKRWRVWRDJURXS
7RDVVLJQDFRQWDFWWRDJURXS
3UHVV6WDUW0RUHWKHQ3KRWR&RQWDFWV
3UHVV0HQXWKHQ0DQDJH*URXS
6HOHFW D JURXS IURP WKH OLVW RU SUHVV 0HQX WR FUHDWH D QHZ
JURXS
3UHVV 0HQX DJDLQ WR$VVLJQ 0HPEHUV5HQDPH 'HOHWH RU
$VVLJQ3KRWR
6HW'HIDXOW3KRWRV
7KH6HW'HIDXOW3KRWRVVFUHHQOHWV\RXDVVLJQXQDVVLJQDQG
SUHYLHZGHIDXOW3KRWR,'VWRDSSHDUIRUWKHVHWKUHHVLWXDWLRQV
8QNQRZQ
SKRWR
7KLVSKRWRZLOOGLVSOD\ZKHQHYHUWKHSKRQHQXPEHURIWKH
LQFRPLQJFDOOLVQRWNQRZQWR&DOOHU,'EHFDXVHQRSKRQH
QXPEHUZDV³SDVVHGLQ´WR\RXU6PDUWSKRQH7KLVZRXOG
RFFXULIWKHSHUVRQFDOOLQJ\RXKDVEORFNHGWKHLUSKRQH
QXPEHUIURPEHLQJGLVSOD\HGWRWKHUHFHLYHURUKDVQRW
HQDEOHGWKHEURDGFDVWRIWKHLU&DOOHU,'
6PDUWSKRQH8VHU0DQXDO
&RQWDFWV
&DOHQGDU
1RWIRXQG
SKRWR
7KLV RSWLRQ LQ WKH 6HW 'HIDXOW 3KRWRV VFUHHQ OHWV \RX
DVVLJQDJHQHULF3KRWR,'WRDQ\LQFRPLQJFDOOIURPD
SHUVRQ ZKRVH QXPEHU LV QRW IRXQG LQ \RXU &RQWDFWV
7KDWLVWKHSKRQHQXPEHURIWKHLQFRPLQJFDOOLVNQRZQ
EXWKDVQRPDWFKLQJHQWU\LQ\RXU&RQWDFWV
'HIDXOWSKRWR 7KLVSKRWRZLOOGLVSOD\ZKHQWKHLQFRPLQJFDOOLVIRXQGWREHIURP
DPDWFKLQJHQWU\LQ\RXU&RQWDFWVGDWDEDVHEXWVRIDUWKHUHLVQR
LQGLYLGXDOO\DVVLJQHG3KRWR,'IRUHLWKHUWKDWLQGLYLGXDO&RQWDFW
HQWU\RUIRUWKH*URXSLWEHORQJVWR
7RVHW'HIDXOW3KRWRV
3UHVV0HQX2SWLRQVWKHQ6HW'HIDXOW3KRWRV
6HOHFW8QNQRZQSKRWR1RWIRXQGSKRWRRU'HIDXOWSKRWR
6HOHFWDSLFWXUHWKHQDVVLJQVHWWLQJV
&KDSWHU
6\QFKURQL]LQJ
LQIRUPDWLRQ
8QGHUVWDQGLQJ$FWLYH6\QF
6\QFKURQL]LQJZLWKDGHVNWRS
FRPSXWHU
6\QFKURQL]LQJZLWKDVHUYHU
2WKHUV\QFKURQL]DWLRQLQIRU
PDWLRQ
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
8QGHUVWDQGLQJ$FWLYH6\QF
$FWLYH
6
\QFV\QFKURQL]HVLQ
I
RUPDWLRQVWRUHGRQ\RXU
6
PDUWSKRQH
ZLWK0LFURVR
I
W
2
XWORRNLQ
I
RUPDWLRQRQ\RXUGHVNWRSFRPSXWHUR
U
0LFURVR
I
W([FKDQJH
6
HUYHU,WDOVRDOORZV\RXWRVKDUH
¿
OHVE
H
WZHHQ\RXUS
K
RQHDQ
G
\RXU
G
HV
N
WRSFRPSXWHU
:KHQ \RX V\QFKURQL]H$FWLYH
6
\QF FRPSDUHV WKH LQ
I
RUPDWLRQ
RQ\RXUGHYLFHZLWKWKHLQ
I
RUPDWLRQ RQ \RXU GHVNWRS FRPSXWH
U
DQG
RU([FKDQJH
6
HUYHUDQGXSGDWHVDOOORFDWLRQVZLWKWKHPRVW
UHFHQWLQ
I
RUPDWLRQ
:LWK$FWLYH
6
\QF\RXFDQ
6
\QFKURQL]H,QER[
&
RQWDFWV
&
DOHQGDUDQG7DVNVLQ
I
RUPDWLRQ
RQ\RXUS
K
RQHZ
L
W
K
\RXU
G
HV
N
WRSFRPSXWHU
6
\QFKURQL]H,QER[
&
RQWDFWVDQG
&
DOHQGDURQ\RXUSKRQHZLWK
WKH
2
XWORRNLQ
I
RUPDWLRQRQDVHUYHUUXQQLQJ0LFURVR
I
W([FKDQJH
6
HUYHUVRWKDW\RXKDYHWKHODWHVWLQ
I
RUPDWLRQHYHQZKHQ\RXU
GHVNWRSFRPSXWHULVWXUQHGR
II
&
RS\
UDWKHUWKDQV\QFKURQL]H
¿
OHVEHWZHHQ\RXUSKRQHDQG
\RXU
G
HV
N
WRSFRPSXWHU
6
\QFKURQL]H RQ D VFKHGXOH WR FRQWURO ZKHQ V\QFKURQL]DWLRQ
RFF
X
UV
6
HOHFWZKLFKW\SHVR
I
LQ
I
RUPDWLRQDUHV\QFKURQL]HGDQGVSHFL
I
\
KRZ PXFK LQ
I
RUPDWLRQ LV V\QFKURQL]HG )RU H[DPSOH \RX FDQ
FKRRVHKRZPDQ\ZHHNVR
I
SDVWDSSRLQWPHQWVWRV\QFKURQL]H
8VLQJ
6
HUYHU$FWLYH
6
\QF \RX FDQ V\QFKURQL]H LQ
I
RUPDWLRQ8VLQJ
6
HUYHU$FWLYH
6
\QF \RX FDQ V\QFKURQL]H LQ
I
RUPDWLRQ
GLUHFWO\ZLWKD0LFURVR
I
W([FKDQJH
6
HUYHUL
I
\RXUFRPSDQ\LVGLUHFWO\ZLWKD 0LFURVR
I
W([FKDQJH
6
HUYHUL
I
\RXUFRPSDQ\LV
UXQQLQJ0LFURVR
I
W0RELOH,Q
I
RUPDWLRQ
6
HUYHU
UXQQLQJ0LFURVR
I
W0RELOH,Q
I
RUPDWLRQ
6
HUYHU
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
6\QFKURQL]LQJZLWKDGHVNWRS
FRPSXWHU
,QVWDOOLQJ$FWLYH6\QF
%H
I
RUH\RXFDQV\QFKURQL]HLQ
I
RUPDWLRQZLWKDGHVNWRSFRPSXWHU
\RXPXVW
¿
UVWLQVWDOO$FWLYH
6
\QFRQ\RXUGHVNWRSFRPSXWHUDQG
FUHDWHDSDUWQHUVKLSEHWZHHQ\RXU
6
PDUWSKRQHDQG\RXUGHVNWRS
FRPSX
W
HU
<RX FDQ LQVWDOO$FWLYH
6
\QF RQ WKH GHVNWRS FRPSXWHU
I
URP WKH
6PDUWSKRQH&RPSDQLRQ&'$FWLYH6\QFLVDOUHDG\LQVWDOOHGRQ
\RXU
6
PDUWSKRQH
&UHDWLQJDSDUWQHUV
K
L
S
$VVRRQDV$FWLYH
6
\QFLQVWDOODWLRQFRPSOHWHVWKH
1
HZ
3
DUWQH
U
V
KL
SZL]DUGKHOSV\RXVHWXSDSDUWQHUVKLSEHWZHHQ\RXU
6
PDU
W
S
K
RQHDQ
G
\RXU
G
HV
N
WRSFRPSXWHU
:KHQ\RX
¿
QLVKXVLQJWKHZL]DUGWKH
¿
UVWV\QFKURQL]DWLRQEHJLQV
DXWRPDW
L
FD
OO
\
:K
HQV\QF
K
URQ
L
]DW
L
RQFRPS
O
HWHV\RXZ
LOO
QRW
L
FH
WKDWWKHLQIRUPDWLRQIURP\RXUGHVNWRSFRPSXWHUWKDW\RXVHOHFWHG
QRZDSSHDUVRQ\RXU
6
PDUWSKRQH
%H
I
RUH \RX EHJLQ VHWWLQJ XS$FWLYH
6
\QF \RX VKRXOG JHW WKH%H
I
RUH \RX EHJLQ VHWWLQJ XS$FWLYH
6
\QF \RX VKRXOG JHW WKH
LQ
I
RUPDWLRQ \RX ZLOO QHHG DQG FRQQHFW WKH GHYLFH WR \RX
U
LQ
I
RUPDWLRQ \RX ZLOO QHHG DQG FRQQHFW WKH GHYLFH WR \RX
U
FRPSXWHUE\DVHULDO8
6
%RULQ
I
UDUHGFRQQHFWLRQ
FRPSXWHUE\DVHULDO8
6
%RULQ
I
UDUHGFRQQHFWLRQ
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
7
RSUHYHQWV\QF
K
URQ
L
]DW
L
RQSUR
EO
HPVVH
O
HFW
7
RSUHYHQWV\QF
K
URQ
L
]DW
L
RQSUR
EO
HPVVH
O
HFW
6
\QFKURQL]HZLWK
6
\QFKURQL]HZLWK
0LFURVR
I
W 0RELOH ,Q
I
RUPDWLRQ
6
HUYHU DQGRU WKLV GHVNWRS0LFURVR
I
W 0RELOH ,Q
I
RUPDWLRQ
6
HUYHU DQGRU WKLV GHVNWRS
FRPSX
W
H
U
FRPSX
W
H
U
LQWKH1HZ3DUWQHUVKLSZL]DUGRQO\LI\RXDUHFHUWDLQLQWKH1HZ3DUWQHUVKLSZL]DUGRQO\LI\RXDUHFHUWDLQ
UU
W
K
DW\RXUFRPSDQ\
L
VUXQQ
L
QJW
K
DW\RXUFRPSDQ\
L
VUXQQ
L
QJ 0LFURVR
I
W0RELOH,Q
I
RUPDWLRQ0LFURVR
I
W0RELOH,Q
I
RUPDWLRQ
6
HUYHURUODWH
U
6
HUYHURUODWH
U
DQG\RXNQRZWKHVHUYHUQDPH
2
WKHUZLVHDQG\RXNQRZWKHVHUYHUQDPH
2
WKHUZLVH
VH
O
HFWVH
O
HFW
6
\QFKURQL]HZLWKWKLV GHVNWRS FRPSXWH
U6
\QFKURQL]HZLWKWKLV GHVNWRS FRPSXWH
U
)
RUPRUH
)
RUPRUH
LQ
I
RUPDWLRQ FRQWDFW \RXU QHWZRUN DGPLQLVWUDWRU RU VHUYLFHLQ
I
RUPDWLRQ FRQWDFW \RXU QHWZRUN DGPLQLVWUDWRU RU VHUYLFH
SURY
LG
HU
SURY
LG
HU
6WDUWLQJDQ
G
VWRSSLQJV\QF
K
URQL]DWLR
Q
7KH
¿
UVWV\QFKURQL]DWLRQEHJLQVDXWRPDWLFDOO\D
I
WHU\RX
¿
QLVKX
V
L
QJW
K
H
1
HZ
3
DUWQHUV
KL
SZ
L
]DU
G
)
URPW
K
HQRQ\RXPD\VWDUWDQ
G
VWRSWKHV\QFKURQL]DWLRQLQWKH
I
ROORZLQJZD\
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
DQ
G
W
K
HQ $FWLYH
6
\Q
F
7
RVWDUWV\QF
K
URQ
L
]DW
L
RQVH
O
HFW
6
\Q
F
7
RVWRSV\QF
K
URQ
L
]
L
QJVH
O
HFW
6
WR
S
'HFLGLQJZKLFKLQ
I
RUPDWLRQWRV\QFKURQL]
H
%\ GH
I
DXOW$FWLYH
6
\QF GRHV QRW DXWRPDWLFDOO\ V\QFKURQL]H DOO
W\SHVR
I
2
XWORRNLQ
I
RUPDWLRQ<RXFDQXVH$FWLYH
6
\QFRSWLRQVWR
WXUQV\QFKURQL]DWLRQ
I
RUVSHFL
¿
FLQ
I
RUPDWLRQW\SHVRQDQGR
II
2
Q \RXU GHVNWRS FRPSXWHU RSHQ WKH 0LFURVR
I
W$FWLYH
6
\Q
F
SURJUDP
&
OLFNRQ
2
SWLRQ
V
%\ GH
I
DXOW
&
DOHQGD
U
&
RQWDFW
V
7
DV
NV
DQ
G
,
Q
E
R
[
DUH
V\QFKURQL]HG
&
OHDUWKHFKHFNER[
I
RUWKHLWHP\RXGRQRWZDQW
WRV\QF
K
URQ
L
]H
7RDGMXVWWKHVHWWLQJV
I
RUDSDUWLFXODUW\SHR
I
LQ
I
RUPDWLRQFOLFN
RQW
K
HW\SHDQ
G
W
K
HQVH
O
HFW
6
HWWLQJ
V
)
RUH[DPS
O
H\RXPD\
VHOHFWZKLFK
I
ROGHUVLQ,QER[WRV\QFKURQL]H
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
6\QF
K
URQL]LQJZLW
K
DVHUYH
U
<RXFDQXVHWKH1HZ3DUWQHUVKLSZL]DUGZKHQ\RXDUH
¿
UVWVH
W
W
L
QJ XS D SDUWQHUV
KL
S Z
L
W
K
D
G
HV
N
WRS FRPSXWHU WR V\QF
K
URQ
L
]H
Z
L
W
K
DQ
(
[F
K
DQJHVHUYHU
,
QW
K
H
1
HZ
3
DUWQHUV
KL
SZ
L
]DU
G
VH
O
HFW
6
\QFKURQL]HZLWK0LFURVR
I
W0RELOH,Q
I
RUPDWLRQ
6
HUYHUDQG
RUW
KL
V
G
HV
N
WRSFRPSXWH
U
LQVWHDG R
I
6
\QFKURQL]HZLWK WKLV
G
HV
N
WRSFRPSXWH
U
,
I
DW VRPH ODWHU WLPH \RX ZDQW WR V\QFKURQL]H ZLWK D VHUYH
U
,
I
DW VRPH ODWHU WLPH \RX ZDQW WR V\QFKURQL]H ZLWK D VHUYH
U
Z
K
HQ W
K
H
G
HY
L
FH
L
V FRQQHFWH
G
WR W
K
H
G
HV
N
WRS FRPSXWHU \RXZ
K
HQ W
K
H
G
HY
L
FH
L
V FRQQHFWH
G
WR W
K
H
G
HV
N
WRS FRPSXWHU \RX
PXVWWKHQ FRQ
¿
JXUH$FWLYH
6
\QFRQ WKH GHVNWRSFRPSXWHU DVPXVWWKHQ FRQ
¿
JXUH$FWLYH
6
\QFRQ WKH GHVNWRSFRPSXWHU DV
GHVFULEHGLQ
6
\QFKURQL]HZLWKDVHUYHULQ$FWLYH
6
\QF+HOSRQGHVFULEHGLQ
6
\QFKURQL]HZLWKDVHUYHULQ$FWLYH
6
\QF+HOSRQ
W
K
H
G
HV
N
WRSFRPSXWHU
W
K
H
G
HV
N
WRSFRPSXWHU
7RFRQ
¿
JXUHDQ([FKDQJH
6
HUYHUFRQQHFWLRQ
D
,
I
WKH GHYLFH LV FRQQHFWHG WR \RXU GHVNWRS FRPSXWHU
GLVFRQQHFW LW
2
Q WKH
6
PDUWSKRQH
+
RP
H
VFUHHQ VH
O
HFW
6
WDU
W
E
6
HOHFW $FWLYH
6
\Q
F
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
2
SWLRQ
V
G
6
HOHFW
6
HUYHU
6
HWWLQJ
V
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
H 6HOHFW&RQQHFWLRQ
I ,Q8VHUQDPHHQWHU\RXU0LFURVRIW([FKDQJHXVHUQDPH
J ,Q3DVVZRUGHQWHU\RXU0LFURVRIW([FKDQJHSDVVZRUG
K ,Q'RPDLQHQWHUWKHQDPHRIWKHGRPDLQRI\RXU([FKDQJH
VHUYHULIUHTXLUHG
L ,I \RX ZDQW WKHGHYLFH WR VDYH\RXU SDVVZRUGVR WKDW \RX
QHHGQRWHQWHULWZKHQFRQQHFWLQJVHOHFW6DYHSDVVZRUG
M ,IFRQ¿JXULQJD6HUYHU1DPHHQWHUQDPHRI\RXU([FKDQJH
VHUYHU
N 6HOHFW'RQH
7RFKDQJH([FKDQJHVHUYHUV\QFKURQL]DWLRQVHWWLQJV
D %HIRUH\RXFKDQJHV\QFKURQL]DWLRQVHWWLQJVGLVFRQQHFWWKH
GHYLFH IURP \RXU GHVNWRS FRPSXWHU 2Q WKH 6PDUWSKRQH
+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW$FWLYH6\QF
F 6HOHFW0HQXDQGWKHQ2SWLRQV
G 6HOHFW6HUYHU6HWWLQJV
H 6HOHFW WKH V\QFKURQL]DWLRQ VHWWLQJV WR HGLW &DOHQGDU
&RQWDFWVRU,QER[
7R VWDUW V\QFKURQL]LQJ &DOHQGDU &RQWDFWV RU ,QER[
LQIRUPDWLRQVHOHFW6\QF>,QIRUPDWLRQ7\SH@ZLWKDVHUYHU
RQWKHDSSURSULDWHV\QFKURQL]DWLRQVHWWLQJVSDJH
7R VWRS V\QFKURQL]LQJ &DOHQGDU &RQWDFWV RU ,QER[
LQIRUPDWLRQ FOHDU WKH 6\QF >,QIRUPDWLRQ 7\SH@ ZLWK D
VHUYHUFKHFNER[RQWKHDSSURSULDWHV\QFKURQL]DWLRQVHWWLQJV
SDJH
&KDQJHWKHDPRXQWRILQIRUPDWLRQWREHV\QFKURQL]HG
&UHDWLQJDV\QFKURQL]DWLRQVFKHGXOH
<RXFDQFUHDWHDVFKHGXOHIRUDXWRPDWLFDOO\V\QFKURQL]LQJLQIRUPD
WLRQRQ\RXU6PDUWSKRQHZLWK\RXUGHVNWRSFRPSXWHURUZLWK0LFUR
VRIW([FKDQJH6HUYHU7RVHWXSDV\QFKURQL]DWLRQVFKHGXOHZLWK
\RXUGHVNWRSFRPSXWHU\RXPXVWXVH$FWLYH6\QFRQWKHGHVNWRS
FRPSXWHU)RULQVWUXFWLRQVVHH&KDQJHGHVNWRSV\QFKURQL]DWLRQ
VFKHGXOHLQ$FWLYH6\QF+HOSRQWKHGHVNWRSFRPSXWHU
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
7RVHWXSDV\QFKURQL]DWLRQVFKHGXOHZLWK([FKDQJHVHUYHU
\RX PXVW XVH$FWLYH6\QF RQ \RXU 6PDUWSKRQH <RX FDQ
VFKHGXOHV\QFKURQL]DWLRQ RI \RXUGHYLFH RQ WZRVHSDUDWH
VFKHGXOHV
3HDNWLPHVVFKHGXOH7RV\QFKURQL]HGXULQJZRUNLQJKRXUV
RURWKHUWLPHV\RXH[SHULHQFHKLJKHUPDLOYROXPHV
2IISHDNVFKHGXOH7RV\QFKURQL]HGXULQJWLPHVZKHQ\RX
H[SHULHQFHORZHUPDLOYROXPHV:KHQ\RXDUHURDPLQJ\RX
FDQV\QFKURQL]H PDQXDOO\ WRUHGXFH URDPLQJ FKDUJHVRU
\RXFDQV\QFKURQL]HXVLQJWKHPRELOHVFKHGXOHV
7R HGLW VFKHGXOH VHWWLQJV \RXU 6PDUWSKRQH PXVW EH
GLVFRQQHFWHG IURP \RXU GHVNWRS FRPSXWHU 2Q WKH
6PDUWSKRQH+RPHVFUHHQVHOHFW6WDUW
6HOHFW$FWLYH6\QF
6HOHFW0HQXDQGWKHQ2SWLRQV
6HOHFW0RELOH6FKHGXOH
D 6HOHFWKRZRIWHQWRV\QFKURQL]HLQWKH3HDNWLPHV\QF
OLVW
E 6HOHFWKRZRIWHQWRV\QFKURQL]HLQWKH2IISHDNWLPH
V\QFOLVW
F 6HOHFWZKHWKHURUQRWWRV\QFKURQL]HRQDVFKHGXOHLQ
WKH5RDPLQJV\QFOLVW
G 6HOHFW 6\QF RXWJRLQJ LWHPV DV WKH\ DUH VHQWWR
V\QFKURQL]HHYHU\WLPH\RXVHQGHPDLO
6HOHFW'RQH
,I\RXFUHDWHDVFKHGXOHIRUV\QFKURQL]LQJZKLOHFRQQHFWHG
WRDGHVNWRSFRPSXWHUDVZHOODVDVFKHGXOHIRUV\QFKUR
QL]LQJUHPRWHO\ZLUHOHVVO\WKH6PDUWSKRQHV\QFKURQL]HV
DFFRUGLQJWRERWKVFKHGXOHV
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
6\QFKURQL]LQJ$XWRPDWLFDOO\
:LWK$FWLYH
6
\QF \RX FDQ VFKHGXOH DXWRPDWLF V\QFKURQL]DWLRQ
E
HWZHHQ\RXU
G
HY
L
FHDQ
G
DVHUYHUHYHU\W
L
PHDQ
L
WHPDUU
L
YHVRU
L
V
FKDQJHGDWWKHVHUYHU<RXUGHYLFHLVLQ
I
RUPHGR
I
WKDWHYHQWDQG
V\QF
K
URQ
L
]HVDXWRPDW
L
FD
OO
\ WR UHWU
L
HYHW
K
RVH
L
WHPVPD
NL
QJ\RX
U
G
HY
L
FHD
O
ZD\VXSWR
G
DWH
<
RXPXVWV\QF
K
URQ
L
]H\RXU
G
HY
L
FHDW
O
HDV
W
RQFH
VXFKDVD
I
WHUFUHDWLQJDSDUWQHUVKLS
EH
I
RUH\RXFDQVHHDQG
FKDQJHWKHVHWWLQJV
I
RUV\QFKURQL]DWLRQDVLWHPVDUULYH
<RXFDQV\QFKURQL]H DVLWHPVDUULYH RQO\L
I
\RXU FRPSDQ\ R
U
<RXFDQV\QFKURQL]H DVLWHPVDUULYH RQO\L
I
\RXU FRPSDQ\ R
U
VHUYLFH SURYLGHU LV UXQQLQJ 0LFURVR
I
W ([FKDQJH
6
HUYHU ZLWKVHUYLFH SURYLGHU LV UXQQLQJ 0LFURVR
I
W ([FKDQJH
6
HUYHU ZLWK
([FKDQJH$FWLYH
6
\QF
([FKDQJH$FWLYH
6
\QF
7
RVHWXSDVF
K
H
G
X
O
HWRV\QF
K
URQ
L
]HDXWRPDW
L
FD
OO
\
2
QWKH
6
PDUWSKRQH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
6
HOHFW $FWLYH
6
\Q
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
2
SWLRQ
V
6
HOHFW 0RELOH
6
FKHGXO
H
6
HW
3
HD
N
W
L
PHV\Q
F
DQG
R
U
2II
SHDNWLPHV\Q
F
W
R
$
V
L
WHPV
DUU
L
Y
H
6
HOHFW
'
RQ
H
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
2WKHUV\QFKURQL]DWLRQ
LQIRUPDWLRQ
5HPRWHV\QFKURQL]DWLRQ
5
HPRWHV\QF
K
URQ
L
]DW
L
RQ
L
VZ
K
HQ\RXU
G
HY
L
FH
L
VV\QF
K
URQ
L
]
L
QJRYH
U
DZLUHOHVVFRQQHFWLRQLQVWHDGR
I
XVLQJDGLUHFWORFDOFRQQHFWLRQWR
D GHVNWRS FRPSXWHU
6
\QFKURQL]LQJ UHPRWHO\ ZLWK \RXU GHVNWRS
FRPSXWHUPD\GHSHQGRQ\RXUQHWZRUNFRQ
¿
JXUDWLRQ)RUH[DPSOH
\RXPD\QHHGWRVHWXSDYLUWXDOSULYDWHQHWZRUN
931
FRQQHFWLRQ
WR\RXUQHWZRU
N
7RV\QFKURQL]HUHPRWHO\\RXQHHGWRVHWXSDFRQQHFWLRQ
¿
UVW
)RU LQ
I
RUPDWLRQ DERXW VHWWLQJ XS D FRQQHFWLRQ VHH
'DWD
&
RQQHFWLRQ
V
7KHQ FRQ
¿J
XUH
\
RXU SKRQH DV GHVFULEHG LQ WKH
I
ROORZLQJSURFHGXUH
2
QWKH +
R
P
H
VFUHHQVHOHFW
6WD
U
W
6
HOHFW $FWLYH6\Q
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
2
SWLRQ
V
6
HOHFW 3
&
6
HWWLQJ
V
,
Q
8
V
H
VFUR
OO
WRW
K
HFRPSXWHUQDPH
6
HOHFWRUFOHD
U
8VHPRELOHVFKHGXOHWRV\QFZLWKWKLV3
&
6
HOHFWRUFOHD
U
6
\QFZLWKWKLV3
&
GXULQJPDQXDOV\Q
F
6
HOHFW
'
RQ
H
7
RV\QF
K
URQ
L
]HUHPRWH
O
\Z
L
W
K
D
G
HV
N
WRSFRPSXWHUW
K
H
G
HV
N
WRS
7
RV\QF
K
URQ
L
]HUHPRWH
O
\Z
L
W
K
D
G
HV
N
WRSFRPSXWHUW
K
H
G
HV
N
WRS
FRPSXWHUPXVW
E
HWXUQH
G
RQ
FRPSXWHUPXVW
E
HWXUQH
G
RQ
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
6\QFKURQL]LQJ,QER[
:KHQ\RXVHOHFW,QER[
I
RUV\QFKURQL]DWLRQLQ$FWLYH
6
\QFHPDLO
PHVVDJHVDUHV\QFKURQL]HGDVSDUWR
I
WKHJHQHUDOV\QFKURQL]DWLRQ
SURFHVV'XULQJV\QFKURQL]DWLRQWKH
I
ROORZLQJHYHQWVRFFXU
0HVVDJHV DUH FRSLHG
I
URP WKH
2
XWORRN ,QER[
I
ROGHU RQ \RX
U
GHVNWRSFRPSXWHU RU
I
URP0LFURVR
I
W([FKDQJH
6
HUYHU WR WKH
,QER[
I
ROGHURQ\RXU
6
PDUWSKRQH
%\ GH
I
DXOW ZKHQ V\QFKURQL]LQJ ,QER[ LQ
I
RUPDWLRQ ZLWK \RX
U
GHVNWRSFRPSXWHURU0LFURVR
I
W([FKDQJH
6
HUYHU \RX UHFHLYH
RQO\PHVVDJHV
I
URPWKHODVWGD\VDQGWKH
¿
UVWE\WHVR
I
HDF
K
QHZPHVVDJH
7KH PHVVDJHV RQ \RXU
6
PDUWSKRQH DQG RQ \RXU GHVNWRS
FRPSXWHU DUH
OL
Q
N
H
G
:K
HQ \RX
G
H
O
HWH D PHVVDJH RQ \RX
U
6
PDUWSKRQHLWLVGHOHWHG
I
URP\RXUGHVNWRSFRPSXWHUWKHQH[W
W
L
PH\RXV\QF
K
URQ
L
]HDQ
G
Y
L
FHYHUVD
0HVVDJHV LQ VXEIROGHUV RI RWKHU 2XWORRN HPDLO IROGHUV
DUH V\QFKURQL]HG RQO\ L
I
WKH
I
ROGHUV KDYH EHHQ VHOHFWHG
I
R
U
V\QFKURQL]DWLRQLQ,QER[RQ\RXU
6
PDUWSKRQH
6
0
6
PHVVDJHV DUH QRW UHFHLYHG LQ ,QER[ WKURXJK
6
0
6
PHVVDJHV DUH QRW UHFHLYHG LQ ,QER[ WKURXJK
V\QFKURQL]DWLRQ,QVWHDGWKH\DUHVHQWWR\RXU
6
PDUWSKRQHE\V\QFKURQL]DWLRQ,QVWHDGWKH\DUHVHQWWR\RXU
6
PDUWSKRQHE\
ZD\R
I
\RXUVHUYLFHSURYLGHU
ZD\R
I
\RXUVHUYLFHSURYLGHU
6\QF
K
URQL]LQJ&D
O
HQ
G
D
U
:KHQ\RXVHOHFW
&
DOHQGDU
I
RUV\QFKURQL]DWLRQLQ$FWLYH
6
\QFE\
GH
I
DXOW
&
DOHQGDULWHPV
I
URPWKHODVWZHHNVDUHV\QFKURQL]HG
&
DOHQGDU LWHPV FUHDWHG RQ \RXU
6
PDUWSKRQH DUH FRSLHG WR \RX
U
GHVNWRS FRPSXWHU DQG
RU VHUYHU GXULQJ V\QFKURQL]DWLRQ DQG YLFH
YHUVD
6
LPLODUO\
&
DOHQGDULWHPVWKDWDUHGHOHWHG
I
URP\RXU
6
PDU
W
SKRQHDUHGHOHWHG
I
URP\RXUGHVNWRSFRPSXWHUDQG
RUVHUYHUGXULQJ
V\QF
K
URQ
L
]DW
L
RQDQ
G
Y
L
FHYHUVD
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
6\QFKURQL]LQJ&RQWDFWV
:KHQ \RX VHOHFW
&
RQWDFWV
I
RU V\QFKURQL]DWLRQ LQ $FWLYH
6
\QF E
\
GH
I
DXOWDOOR
I
\RXUFRQWDFWVDUHV\QFKURQL]HG
&
RQWDFWVFUHDWHGRQ\RXU
6
PDUWSKRQHDUHFRSLHGWR\RXUGHVNWRS
FRPSXWHUDQG
RUVHUYHUGXULQJV\QFKURQL]DWLRQDQGYLFHYHUVD
6
LP
L
ODUO\FRQWDFWVWKDWDUHGHOHWHG
I
URP\RXU
6
PDUWSKRQHDUHGHOHWHG
I
URP\RXUGHVNWRSFRPSXWHUDQG
RUVHUYHUGXULQJV\QFKURQL]DWLRQ
DQ
G
Y
L
FHYHUVD
6\QF
K
URQL]LQJ7DV
NV
7DVNV\QFKURQL]DWLRQ LVDXWRPDWLFDOO\ VHOHFWHGLQ$FWLYH
6
\QF%\
GH
I
DXOWDOOR
I
\RXULQFRPSOHWHWDVNVDUHV\QFKURQL]HG
7DVNVFUHDWHGRQ\RXU
6
PDUWSKRQHDUHFRSLHGWR\RXUGHVNWRSFR
P
SXWHUGXULQJV\QFKURQL]DWLRQDQGYLFHYHUVD
6
LPLODUO\WDVNVWKDW
DUHGHOHWHG
I
URP\RXU
6
PDUWSKRQHDUHGHOHWHG
I
URP\RXUGHVNWRS
FRPSXWHU
G
XU
L
QJV\QF
K
URQ
L
]DW
L
RQDQ
G
Y
L
FHYHUVD
7
DV
N
V FDQ
E
H V\QF
K
URQ
L
]H
G
RQ
O
\ Z
L
W
K
\RXU
G
HV
N
WRS FRPSXWHU
7
DV
N
V FDQ
E
H V\QF
K
URQ
L
]H
G
RQ
O
\ Z
L
W
K
\RXU
G
HV
N
WRS FRPSXWHU
WKH\ FDQQRW EH V\QFKURQL]HG ZLWK D VHUYHU UXQQLQJ 0LFURVR
I
WWKH\ FDQQRW EH V\QFKURQL]HG ZLWK D VHUYHU UXQQLQJ 0LFURVR
I
W
([FKDQJH
6
HUYHU
([FKDQJH
6
HUYHU
$FW
L
YH6\QFHUURUPHVVDJH
V
,
I
\RXULQ
I
RUPDWLRQFDQQRWEHVXFFHVV
I
XOO\V\QFKURQL]HG\RXZLOOVHH
DQHUURUPHVVDJHRQ\RXU
6
PDUWSKRQH7RYLHZPRUHLQ
I
RUPDWLRQ
D
E
RXWW
K
HHUURUVFUR
OO
WR
L
WDQ
G
SUHVVW
K
H
$
FW
L
RQ
N
H\
6
RPHHUURUVLQWHU
I
HUHZLWKDXWRPDWLFV\QFKURQL]DWLRQ,
I
\RXVXVSHFW
W
K
DWDVF
K
H
G
X
O
H
G
V\QF
K
URQ
L
]DW
L
RQ
K
DVQRWRFFXUUH
G
\RXV
K
RX
OG
D
W
WHPSWWRPDQXDOO\V\QFKURQL]H\RXULQ
I
RUPDWLRQ
6
XFFHVV
I
XOO\FR
P
S
O
HW
L
QJPDQXD
O
V\QF
K
URQ
L
]DW
L
RQUHVHWVDXWRPDW
L
FV\QF
K
URQ
L
]DW
L
RQ
)RUPRUHLQ
I
RUPDWLRQVHH
6
\QFKURQL]LQJ,Q
I
RUPDWLRQLQ$FWLYH
6
\QF
+
H
O
SRQ\RXU
G
HV
N
WRSFRPSXWHU
6PDUWSKRQH8VHU0DQXDO
6\QFKURQL]LQJ
&KDSWHU
,QWHUQHWHQWHUWDLQPHQWDQG
PRUH
,QWHUQHW([SORUHU
0HGLD3OD\HU
&DOFXODWRU
0RGHPOLQN
*DPHV
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
,QWHUQHW([SORUHU
8VLQJ3RFNHW,QWHUQHW([SORUHU,(\RXFDQEURZVHWKH:HERQ
\RXU 6PDUWSKRQH 3RFNHW ,( VXSSRUWV +70/ +\SHUWH[W 0DUNXS
/DQJXDJHF+70/FRPSDFW+\SHUWH[W0DUNXS/DQJXDJHDQG
:$3 :LUHOHVV $SSOLFDWLRQ 3URWRFRO ,W DOVR VXSSRUWV -6FULSW
$FWLYH;FRQWUROVDQG&66FDVFDGLQJVW\OHVKHHWV7KHEURZVHU
VXSSRUWVLPDJHVDQGVRXQGVEXWLWGRHVQRWVXSSRUWIUDPHVRQD
:HESDJH
1DYLJDWLQJLQ3RFNHW,(
7RRSHQ,QWHUQHW([SORUHU2QWKH+RPHVFUHHQVHOHFW6WDUW
DQGWKHQ,QWHUQHW([SORUHU
7RGLVFRQQHFWIURPWKH,QWHUQHW3UHVVWKH(QGNH\
7R9LHZDIDYRULWH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QWHUQHW([SORUHU
F ,IWKH)DYRULWHVOLVWGRHVQRWDSSHDUVHOHFW)DYRULWHV
G 6FUROOWRDIDYRULWHDQGVHOHFW*R
7RJRWRDOLQN6HOHFWWKHOLQN6FUROOYHUWLFDOO\RUKRUL]RQWDOO\
WRVHHDOODYDLODEOHOLQNV
7RJRWRD:HESDJH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QWHUQHW([SORUHU
F 6HOHFW0HQXDQGWKHQ$GGUHVV%DU
G (QWHUWKH:HEDGGUHVVDQGVHOHFW*R
7RUHWXUQWRD:HESDJH\RXYLVLWHGLQWKHVDPHVHVVLRQ
2QD:HESDJHSUHVVWKH%DFNNH\UHSHDWHGO\XQWLOWKHSDJH
DSSHDUV
7RYLHZDOLVWRIUHFHQWO\YLVLWHG:HESDJHV
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QWHUQHW([SORUHU
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
$GG
UHVV
%
D
U
G
6
HOHFW
9L
HZ
+L
VWRU
\
H
7
RJRWRD
:
H
E
SDJHRQW
K
H
+L
VWRU\
OL
VWVFUR
OO
WRW
K
H
:
H
E
SDJHD
GG
UHVVDQ
G
VH
O
HFW
*R
:KLO
H \RX DUH FRQQHFWH
G
WRW
K
H
,
QWHUQHW \RX FDQ F
K
DQJH
:KLO
H \RX DUH FRQQHFWH
G
WRW
K
H
,
QWHUQHW \RX FDQ F
K
DQJH
E
HWZHHQ
3
RF
N
HW
,
QWHUQHW
(
[S
O
RUHUDQ
G
RW
K
HUSURJUDPVRQ\RX
U
E
HWZHHQ
3
RF
N
HW
,
QWHUQHW
(
[S
O
RUHUDQ
G
RW
K
HUSURJUDPVRQ\RX
U
6
PDUWSKRQHE\SUHVVLQJWKH+RPHNH\DQGQDYLJDWLQJWRWKH
6
PDUWSKRQHE\SUHVVLQJWKH+RPHNH\DQGQDYLJDWLQJWRWKH
SURJUDP\RXZDQW
7KL
V
G
RHVQRWF
O
RVH\RXU
,
QWHUQHWFRQQHFW
L
RQSURJUDP\RXZDQW
7KL
V
G
RHVQRWF
O
RVH\RXU
,
QWHUQHWFRQQHFW
L
RQ
7
RUHWXUQWRW
K
H
:
H
E
SDJH\RXZHUHY
L
HZ
L
QJSUHVVW
K
H
7
RUHWXUQWRW
K
H
:
H
E
SDJH\RXZHUHY
L
HZ
L
QJSUHVVW
K
H
%
DF
N%
DF
N
N
H\
N
H\
8VLQJW
K
H)DYRULWHV
O
LV
W
,
I
\RX VHH D :HE SDJH \RX ZDQW WR YLVLW DQRWKHU WLPH PDUN LW DV D
I
DYRULWH7KHQH[WWLPH\RXZDQWWRYLVLWWKDW:HESDJH\RXFDQVHOHFW
LW
I
URP\RXU)DYRULWHVOLVW
7
RD
GG
D
:
H
E
SDJHWRW
K
H
)
DYRU
L
WHV
OL
VW
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
,
QWHUQHW
(
[S
O
RUH
U
F
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
$GG
)
DYRU
L
W
H
G
,
Q
1
DP
H
HQWHUDQDPH
I
RUWKH:HEVLWH
H
,
Q
$GG
UHV
V
HQWHUW
K
H
:
H
E
SDJHD
GG
UHVV
I
,
Q
)
R
OG
H
U
VFUROOWRVHOHFWD
I
ROGHU
I
RUWKLV
I
DYRULWH
J
6
HOHFW
$GG
7RHGLWD
I
DYRULWH
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
,QWHUQHW([SORUHU
DQGWKHQ
U
)
DYRU
L
WH
V
F
6
FUROOWRWKH
I
DYRULWHWRHGLW
G
6
HOHFW
0
HQ
X
DQ
G
W
K
HQ
(GLW
H
0
D
N
H\RXUF
K
DQJHVDQ
G
VH
O
HFW
'
RQ
H
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
7RGHOHWHDIDYRULWH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QWHUQHW([SORUHUDQGWKHQ)DYRULWHV
F 6FUROOWRWKHIDYRULWHWRGHOHWH
G 6HOHFW0HQXDQGWKHQ'HOHWH
7RFUHDWHDQHZIROGHULQ)DYRULWHV
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW,QWHUQHW([SORUHUDQGWKHQ)DYRULWHV
F 6HOHFW0HQXDQGWKHQ$GG)ROGHU
G ,Q1DPHHQWHUDQDPHIRUWKHIROGHU
H 6HOHFW$GG
5HIUHVKLQJ:HESDJHV
7KH6PDUWSKRQHFDFKHVWKH:HESDJHVWKDW\RXYLHZDQGVWRUHV
WKHPXQWLOWKHFDFKHLVIXOO,WWKHQUHSODFHVWKHROGHVWSDJHVZLWK
QHZSDJHV,I\RXJRWRDSDJHWKDWLVFDFKHGRQ\RXU6PDUWSKRQH
\RXVHHWKHVWRUHGYHUVLRQXQOHVV\RX UHIUHVKWKHSDJHWRVHH
WKHODWHVWYHUVLRQ
2QWKH+RPHVFUHHQVHOHFW6WDUW
6HOHFW,QWHUQHW([SORUHU
,I\RXZDQWWRUHIUHVKDSDJHRWKHUWKDQWKHRQHGLVSOD\HGLQ
\RXU)DYRULWHVRU+LVWRU\OLVWVFUROOWRWKH:HESDJHDQGVHOHFW
*R
6HOHFW0HQXDQGWKHQ5HIUHVK
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
&XVWRPL]LQJ3RFNHW,QWHUQHW([SORUHU
<RXFDQFXVWRPL]H:HEEURZVLQJRSWLRQVFKDQJHWKHQHWZRUNWR
FRQQHFWWRDQGPDNHPRUHPHPRU\DYDLODEOHRQ\RXU6PDUWSKRQH
E\FOHDULQJVWRUHGFRRNLHVDQG:HESDJHV
2QWKH+RPHVFUHHQVHOHFW6WDUW
6HOHFW,QWHUQHW([SORUHU
6HOHFW0HQXDQGWKHQ2SWLRQV
6HOHFW*HQHUDO
6HOHFWWKHRSWLRQV\RXZDQWDVGHVFULEHGLQWKHIROORZLQJWDEOH
DQGVHOHFW'RQH
,(RSWLRQV )XQFWLRQV
*HQHUDO (QDEOHV\RXWRFKDQJHWKHZD\:HESDJHVDUHGRZQ
ORDGHGDQGGLVSOD\HG)RUH[DPSOH\RXFDQFKRRVH
WRRPLWGLVSOD\LQJLPDJHVWXUQRIIVRXQG¿WWKH:HE
SDJHWRWKHVFUHHQUHTXHVWDZDUQLQJEHIRUHYLHZLQJ
XQVHFXUH :HE SDJHV DOORZ FRRNLHV RU FKDQJH WKH
ODQJXDJH
&RQQHFWLRQV (QDEOHV\RXWRFKDQJHWKHQHWZRUNWRFRQQHFWWR)RU
H[DPSOHFKDQJHIURP7KH,QWHUQHWWR:RUN
0HPRU\ (QDEOHV\RXWRFOHDUWHPSRUDU\,QWHUQHW¿OHVFRRNLHV
DQG\RXU:HEKLVWRU\
'LVFRQQHFWLQJIURPWKH,QWHUQHW
2QWKH+RPHVFUHHQSUHVVDQGKROG+RPHXQWLOWKHTXLFNPHQX
DSSHDUV
6HOHFW'LVFRQQHFW'DWD&DOOWKHQSUHVV6HOHFW
7RUHFRQQHFWSUHVV&RQQHFW'DWD&DOOWKHQ6HOHFW
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
0HGLD3OD\HU
8VLQJ:LQGRZV0HGLD3OD\HURUODWHU\RXFDQSOD\:LQGRZV
0HGLDDXGLRDQGYLGHR¿OHVDQG03DXGLR¿OHVRQ\RXU6PDUW
SKRQH<RXFDQDOVRFRS\GLJLWDOPXVLFDQGYLGHRGLUHFWO\IURP\RXU
GHVNWRSFRPSXWHUWR\RXU6PDUWSKRQHE\XVLQJHLWKHU:LQGRZV
0HGLD3OD\HURU0LFURVRIW$FWLYH6\QF
)RUPRUHLQIRUPDWLRQDERXWFRS\LQJ¿OHVE\XVLQJ:LQGRZV0HGLD
3OD\HU VHH 0HGLD 3OD\HU +HOS RQ \RXU GHVNWRS FRPSXWHU )RU
PRUH LQIRUPDWLRQ DERXW FRS\LQJ ¿OHV E\ XVLQJ$FWLYH6\QF VHH
$FWLYH6\QF+HOSRQ\RXUGHVNWRSFRPSXWHU
3OD\LQJ¿OHV
7RVHOHFWDQGSOD\D¿OH
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6FUROOWRWKH¿OHWRSOD\DQGVHOHFW3OD\
7RVWDUWDQGVWRSSOD\LQJD¿OH
3UHVVWKH$FWLRQNH\
7RDGMXVWWKHYROXPHRIDSOD\LQJ¿OH
8VHWKH9ROXPHFRQWUROWR LQFUHDVH RUGHFUHDVHWKHYROXPH
ZKLOHD¿OHLVSOD\LQJ
7RFRQ¿JXUHSOD\EDFNVHWWLQJV
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6HOHFW0HQXDQGWKHQ6HWWLQJV
G ,Q9ROXPHVFUROOWRVHOHFWWKHGHIDXOWYROXPHLVVLOHQWDQG
LVPD[LPXPYROXPH
H 7R UHSHDW ILOHV DV VRRQ DV WKH\ ILQLVK SOD\LQJ VHOHFW
5HSHDW
I 7RUDQGRPO\VKXIÀHWKH¿OHVWKDWSOD\VHOHFW6KXIÀH
J 7RSOD\¿OHVZKLOHXVLQJDQRWKHUSURJUDPVHOHFW%DFNJURXQG
SOD\
K 6HOHFW'RQH
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
7RVNLSWRWKHEHJLQQLQJRIWKHFXUUHQW¿OH
3UHVVWKHOHIWGLUHFWLRQNH\
7R VNLS WR WKH EHJLQQLQJ RI WKH SUHYLRXV ¿OH LQ WKH /RFDO
&RQWHQWOLVW
3UHVVWKHOHIWGLUHFWLRQNH\WZLFHTXLFNO\
7RVNLSWRWKHQH[W¿OHLQWKH/RFDO&RQWHQWOLVW
3UHVVWKHULJKWGLUHFWLRQNH\
7RSOD\DVWUHDPLQJPHGLD¿OHRQDQHWZRUN
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6HOHFW0HQXDQGWKHQ2SHQ85/
G (QWHUWKH:HESDJHDGGUHVVDQGVHOHFW3OD\
7RSOD\¿OHVUDQGRPO\
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6HOHFW0HQXDQGWKHQ6HWWLQJV
G 6HOHFW6KXIÀHDQGWKHQ'RQH
7RSOD\¿OHVUHSHDWHGO\
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6HOHFW0HQXDQGWKHQ6HWWLQJV
G 6HOHFW5HSHDWDQGWKHQ'RQH
7RVWRSSOD\EDFNZKHQXVLQJDQRWKHUSURJUDP
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ:LQGRZV0HGLD
F 6HOHFW0HQXDQGWKHQ6HWWLQJV
G 6HOHFW%DFNJURXQGSOD\DQGWKHQ'RQH
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
7RUHWXUQWRD:HESDJH\RXYLVLWHGLQWKHVDPHVHVVLRQ
2QD:HESDJHSUHVVWKH%DFNNH\UHSHDWHGO\XQWLOWKHSDJH
DSSHDUV
7RDGGDVWUHDPLQJPHGLD¿OHWR)DYRULWHV
D ,Q:LQGRZV0HGLDVHOHFW2SHQ85/LQ0HQX
E (QWHUWKH:HESDJHDGGUHVV6HOHFW3OD\
F 6HOHFW0HQXDQGWKHQ$GGWR)DYRULWHV
7RSOD\D)DYRULWH
D ,Q:LQGRZV0HGLDVHOHFW0HQX
E 6HOHFW)DYRULWHV
F 6FUROOWRD¿OHVHOHFW0HQXDQGWKHQ3OD\
7RGHOHWHD)DYRULWH
D ,Q:LQGRZV0HGLDVHOHFW0HQX
E 6HOHFW)DYRULWHV
F 6FUROOWRD¿OHVHOHFW0HQXDQGWKHQ'HOHWH
0HQXRSWLRQVZKHQSOD\LQJD¿OH
:KLOHD¿OHLVSOD\LQJ VHOHFW0HQX DQGWKHQ \RXPD\ XVHWKH
PHQXFRPPDQGVDVGHVFULEHGLQWKHIROORZLQJWDEOH
2SWLRQV )XQFWLRQV
3OD\6WRS 7RSOD\RUVWRSSOD\EDFNRIWKHFXUUHQW¿OH
1H[W 7RVNLSWRWKHQH[W¿OHRUWKHFXUUHQWSOD\OLVW7KLV
FRPPDQGLVQRWDYDLODEOHLIWKHODVW ¿OH LV WKHFXU
UHQWVHOHFWLRQ
0HPRU\ 7RVNLSWRWKHEHJLQQLQJRIWKHFXUUHQW¿OHRQWKHFXU
UHQWSOD\OLVW,IQR¿OHLVSOD\LQJWKLVFRPPDQGVNLSV
WRWKHSUHYLRXV¿OHRQWKHFXUUHQWSOD\OLVW
2SHQ85/ 7R SOD\ D VWUHDPLQJ PHGLD ¿OH RQ D QHWZRUN IRU
H[DPSOH FRQWHQW VWUHDPHG IURP DQ ,QWHUQHW UDGLR
VWDWLRQ
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
2SWLRQV )XQFWLRQV
3URSHUWLHV 7RGLVSOD\LQIRUPDWLRQDERXWWKH¿OHWKDWLVSOD\LQJ
6HWWLQJV 7RGLVSOD\ WKH 6HWWLQJVFUHHQIURPZKLFK \RX FDQ
DGMXVW WKH YROXPH DQG VSHFLI\ YDULRXV SOD\EDFN
RSWLRQV
$GGWR)DYRULWHV 7RDGGD¿OHWKDWLVSOD\LQJWR)DYRULWHV
6XSSRUWHG¿OHIRUPDWV
0HGLD3OD\HUVXSSRUWVWKHIROORZLQJ¿OHIRUPDWV
)RUPDW )LOHQDPHH[WHQVLRQV
:LQGRZV0HGLD DVIDV[ZD[ZPZPDZPYZP[ZY[
0RYLQJ3LFWXUH PS
([SHUWV*URXS
03(*
6XSSRUWHGDXGLRDQGYLGHRFRGHFV
0HGLD3OD\HUFDQSOD\¿OHVWKDWKDYHEHHQFRPSUHVVHGE\XVLQJ
DQ\RIWKHIROORZLQJDXGLRDQGYLGHRFRGHFV
$XGLRFRGHFV
D 0LFURVRIW:LQGRZV0HGLD$XGLRFRGHFYHUVLRQDQG
E )UDXQKRIHU,,6$03(*$XGLR/D\HUFRGHF
9LGHRFRGHFV
D 0LFURVRIW:LQGRZV0HGLD9LGHRFRGHFYHUVLRQDQG
E 0LFURVRIW03(*YLGHRFRGHFYHUVLRQ
F ,6203(*YLGHRFRGHFYHUVLRQ
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
8QGHUVWDQGLQJOLFHQVHV
6
RPH GLJLWDO PHGLD FRQWHQW
I
URP WKH ,QWHUQHW
&
' WUDFNV DQG
YLGHRV KDYH DVVRFLDWHG OLFHQVHV WKDW SURWHFW WKHP
I
URP EHLQJ
XQODZ
I
XOO\GLVWULEXWHGRUVKDUHG
7
R HQVXUH W
K
DW W
K
H
OL
FHQVH
L
V FRS
L
H
G
Z
L
W
K
W
K
H FRQWHQW XVH W
K
H
3
RUWD
EO
H
'
HY
L
F
H
RU
&
RS\WR
&
'RU'HYLFH
I
HDWXUHLQ:LQGRZV
0
H
GL
D
3O
D\H
U
RUODWHURQ\RXUGHVNWRSFRPSXWHUWRFRS\FRQWHQW
WR\RXU
6
PDUWS
K
RQH
)RUPRUHLQ
I
RUPDWLRQDERXWFRS\LQJFRQWHQWWR\RXU
6
PDUWSKRQH)RUPRUHLQ
I
RUPDWLRQDERXWFRS\LQJFRQWHQWWR\RXU
6
PDUWSKRQH
DQ
G
RW
K
HUSRUWD
EO
H
G
HY
L
FHVVHHW
K
H
:L
Q
G
RZV
0
H
GL
D
3O
D\HU
+
H
O
SDQ
G
RW
K
HUSRUWD
EO
H
G
HY
L
FHVVHHW
K
H
:L
Q
G
RZV
0
H
GL
D
3O
D\HU
+
H
O
S
RQ\RXU
G
HV
N
WRSFRPSXWHU
RQ\RXU
G
HV
N
WRSFRPSXWHU
&DOFXODWRU
&
DOFXODWRUSHU
I
RUPVEDVLFDULWKPHWLFVXFKDVDGGLWLRQVXEWUDFWLRQ
PX
O
W
L
S
OL
FDW
L
RQDQ
G
GL
Y
L
V
L
RQ
7RSHU
I
RUPDFDOFXODWLRQ
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
0
RU
H
DQ
G
W
K
HQ
$
FFHVVRU
L
H
V
F
6
HOHFW
&
DOFXODWR
U
G
(QWHUWKH
¿
UVWQXPEHUR
I
WKH
I
RUPXODE\XVLQJWKHNH\SDG
H
6HOHFW
2
SWLRQ
V
DQGWKHQWKHW\SHRIFDOFXODWLRQWRSHUIRUP
$GG
6
XEWUDF
W
0
X
O
W
L
S
O\
'L
Y
LGH
RU
'
HF
L
PD
O
3
R
L
Q
W
I
(QWHUWKHVHFRQGQXPEHUR
I
WKH
I
RUPXOD
J
6
HOHFW
2
SWLRQ
V
DQ
G
W
K
HQ
(
TXD
OV
7
RVFUR
OO
W
K
URXJ
K
W
K
HDYD
LO
D
EO
HPDW
K
HPDW
L
FD
O
V\P
E
R
O
V
3
UHVV
W
K
H
N
H\
7
RHQWHUD
G
HF
L
PD
O
SR
L
QW
3
UHVVW
K
H
N
H\
7
R
GL
VS
O
D\ W
K
H DYD
LO
D
EO
H PDW
K
HPDW
L
FD
O
V\P
E
R
O
V
8
VH W
K
H
QDYLJDWLRQSDG3UHVVXS
I
RUWKHSOXVVLJQ
GRZQ
I
RUWKHPLQXV
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
VLJQOHIWIRUWKHGLYLVLRQVLJQDQGULJKWIRUWKHPXOWLSOLFDWLRQ
VLJQ;
&OHDUDGLVSOD\HGQXPEHURUFDOFXODWLRQ6HOHFW&OHDU
&OHDUWKHODVWGLJLWHQWHUHG3UHVVWKH%DFNNH\
0RGHPOLQN
8VLQJ0RGHP/LQN\RXFDQXVH\RXU6PDUWSKRQHDVDQH[WHUQDO
PRGHP IRU DQRWKHU GHYLFH RU FRPSXWHU E\ XVLQJ D VHULDO SRUW
LQIUDUHGEOXHWRRWKRU86%FRQQHFWLRQ
7RVHWXSDQLQIUDUHGRU86%PRGHPFRQQHFWLRQ
D (QVXUH WKDW \RXU 6PDUWSKRQH LV QRW FRQQHFWHG WR DQRWKHU
GHYLFH
E 2QWKH+RPHVFUHHQVHOHFW6WDUW
F 6HOHFW0RUHDQGWKHQ$FFHVVRULHV
G 6HOHFW0RGHP/LQN
H ,Q&RQQHFWLRQVHOHFW86%RU,U&200
I 6HOHFW0HQXDQGWKHQ$FWLYDWH
7RVHWXSDVHULDOSRUWPRGHPFRQQHFWLRQ
D (QVXUH WKDW \RXU 6PDUWSKRQH LV QRW FRQQHFWHG WR DQRWKHU
GHYLFH
E 2QWKH+RPHVFUHHQVHOHFW6WDUW
F 6HOHFW0RUHDQGWKHQ$FFHVVRULHV
G 6HOHFW0RGHP/LQN
H ,Q&RQQHFWLRQVHOHFW6HULDO&20
I 6HOHFW0HQXDQGWKHQ$FWLYDWH
7KHGHIDXOW EDXG UDWH LV VHW IRU 'R QRW FKDQJHWKLV
GHIDXOWXQOHVVWKHSRUWVSHHGRIWKH6PDUWSKRQHRUFRPSXWHU
UHTXLUHV\RXWRGRVR
7RDFWLYDWHWKHPRGHPOLQN
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
E 6HOHFW0RUHDQGWKHQ$FFHVVRULHV
F 6HOHFW0RGHP/LQN
G 6HOHFW0HQXDQGWKHQ$FWLYDWH
7RGHDFWLYDWHWKHPRGHPOLQN
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHDQGWKHQ$FFHVVRULHV
F 6HOHFW0RGHP/LQN
G 6HOHFW0HQXDQGWKHQ'HDFWLYDWH
)DLOLQJ WR GHDFWLYDWH WKH PRGHP OLQN ZKHQ \RX DUH ¿QLVKHG
XVLQJLWPLJKWUHVXOWLQSUREOHPVZLWKXVLQJ$FWLYH6\QFLQWKH
VDPHVHVVLRQ
*DPHV
-DZEUHDNHU
7KHREMHFWRI-DZEUHDNHULVWRFOHDURXWDOOWKHEDOOV7KHUXOHLV
WKDW \RX PD\ RQO\ FOHDU RXW DGMDFHQW VDPHFRORUHG EDOOV 7KH
VFRUHGHSHQGVRQWKHQXPEHURIWKHEDOOV\RXFOHDURXWDWHYHU\
PRYH
6FRUHHTXDWLRQ6 %%
66FRUHSHUPRYH
%1XPEHURIEDOOV\RXFOHDURXW
)RU H[DPSOH \RX VFRUH SRLQWV IRU FOHDULQJ RXW EDOOV DW
RQHPRYH
7RVWDUWDJDPHRI-DZEUHDNHU
D 2QWKH+RPHVFUHHQVHOHFW6WDUW
E 6HOHFW0RUHVHOHFW*DPHVDQGWKHQVHOHFW-DZEUHDNHU
7RVWDUWDQHZJDPH,Q-DZEUHDNHUVHOHFWWKH1HZVRIWNH\
7RVFRUH1DYLJDWHWRWKHEDOO\RXZDQWWRFOHDUDQGSUHVVWKH
QDYLJDWLRQSDG
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
6ROLWDLUH
7KHREMHFWR
I
6
ROLWDLUHLVWRXVHDOOWKHFDUGVLQWKHGHFNWREXLOGXS
WKH
I
RXUVXLWVWDFNVLQDVFHQGLQJRUGHUEHJLQQLQJZLWKWKHDFHV
<
RXZ
L
QW
K
HJDPHZ
K
HQD
OO
FDU
G
VDUHRQW
K
HVX
L
WVWDF
N
V
7RVWDUWDJDPHR
I
6
ROLWDLUH
D
2
QWKH
+
RP
H
VFUHHQVH
O
HFW
6
WDU
W
E
6
HOHFW
0
RU
H
VH
O
HFW
*
DPH
V
DQ
G
W
K
HQVH
O
HFW
6
ROLWDLU
H
7
RVWDUWDQHZJDPH
,Q
6
ROLWDLUHVHOHFWWKH
0
HQ
X
VR
I
WNH\DQG
W
K
HQVH
O
HFW 1HZ
*
DP
H
7
RPRYHFDU
G
V
$
QXP
E
HURUF
K
DUDFWHU
L
V
GL
VS
O
D\H
G
D
E
RYHHDF
K
FDUGVWDFN
2
QWKHNH\SDGSUHVVWKHQXPEHURUFKDUDFWHUR
I
WKH
FDUGWRPRYHDQGWKHQSUHVVWKH QXPEHU RU FKDUDFWHUR
I
WKH
VWDF
N
WRZ
KL
F
K
\RXZDQWWRPRYHW
K
HFDU
G
3UHVVLQJWKHXSGLUHFWLRQNH\PRYHVDFDUGWRRQHR
I
WKH
I
RX
U
3UHVVLQJWKHXSGLUHFWLRQNH\PRYHVDFDUGWRRQHR
I
WKH
I
RX
U
VWDFNVLQWKHXSSHUULJKWFRUQHUR
I
WKHVFUHHQL
I
LWEHORQJVWKHUHVWDFNVLQWKHXSSHUULJKWFRUQHUR
I
WKHVFUHHQL
I
LWEHORQJVWKHUH
)RUH[DPSOHL
I
DQDFHDSSHDUVLQRQHR
I
WKHORZHUVWDFNVSUHVV)RUH[DPSOHL
I
DQDFHDSSHDUVLQRQHR
I
WKHORZHUVWDFNVSUHVV
W
K
HQXP
E
HUD
E
RYH
L
WDQ
G
W
K
HQSUHVVW
K
H
8
S
GL
UHFW
L
RQ
N
H\
W
K
HQXP
E
HUD
E
RYH
L
WDQ
G
W
K
HQSUHVVW
K
H
8
S
GL
UHFW
L
RQ
N
H\
7RSOD\6ROLWDLUH
D
0RYHDQ\DFHVRQWKHVHYHQVWDFNVWRWKH
I
RXUFDUGVSDFHV
DWWKHWRSR
I
WKHVFUHHQDQGWKHQPDNHDQ\RWKHUDYDLODEOH
S
O
D\V
E
:K
HQ\RX
K
DYHPD
G
HD
OO
DYD
LO
D
EO
HS
O
D\VSUHVVW
K
H
'
UD
Z
VR
I
W
N
H\WRWXUQRYHUFDU
G
V
F
7KHFDUGWKDWLV
I
DFHXSRQWKHGHFNLVDOZD\VDYDLODEOH
I
R
U
S
O
D\
6PDUWSKRQH8VHU0DQXDO
,QWHUQHW
DQGIXQ
$SSHQGL[
5HJXODWRU\1RWLFHV
7URXEOHVKRRWLQJ
,QGH[
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
5
HRU
L
HQWRUUH
O
RFDWHW
K
HUHFH
L
Y
L
QJDQWHQQD
,
QFUHDVHW
K
HVHSDUDW
L
RQ
E
HWZHHQW
K
HHTX
L
SPHQW
DQ
G
UHFH
L
YHU
&
RQQHFW WKH HTXLSPHQW LQWR DQ RXWOHW RQ D
FLUFXLWGL
II
HUHQW
I
URPWKDWWRZKLFKWKHUHFHLYH
U
L
VFRQQHFWH
G
&
RQVXOW WKH GHDOHU RU DQ H[SHULHQFHG UDGLR R
U
WHOHYLVLRQWHFKQLFLDQ
I
RUKHOS
0RGL¿FDWLRQV
7KH )
&&
UHTXLUHV WKH XVHU WR EH QRWL
¿
HG WKDW
DQ\FKDQJHVRUPRGL
¿
FDWLRQVPDGHWRWKHGHYLFH
W
K
DW DUH QRW H[SUHVV
O
\ DSSURYH
G
E
\
+L
J
K
7
HF
K
&
RPSXWHU
&
RUSRUDWLRQPD\YRLGWKH5H
I
HUHQFH
DXW
K
RU
L
W\WRRSHUDWHW
K
HHTX
L
SPHQW
,PSRUWDQW6D
I
HW\,Q
I
RUPDWLR
Q
5HWDLQDQG
I
ROORZDOOSURGXFWVD
I
HW\DQGRSHUDWLQJ
LQVWUXFWLRQV
2
EVHUYHDOOZDUQLQJVRQWKHSURGXFW
DQ
G
L
QW
K
HRSHUDW
L
QJ
L
QVWUXFW
L
RQV
7RUHGXFHWKHULVNR
I
ERGLO\LQMXU\HOHFWULFVKRFN
¿
UHDQGGDPD
J
HWRWKHHTXLSPHQWREVHUYHWKH
I
ROORZLQJSUHFDXWLRQV
6DIHW\3UHFDXWLRQVIRU5)
(
[SRVXU
H
7HVWV
I
RU
6
$5 DUH FRQGXFWHG XVLQJ VWDQGDUG
RSHUDWLQJSRVLWLRQVVSHFL
¿
HGE\WKH)
&&
ZLWKWKH
SKRQHWUDQVPLWWLQJDWLWVKLJKHVWFHUWL
¿
HGSRZH
U
OHYHO LQ DOO WHVWHG
I
UHTXHQF\ EDQGV$OWKRXJK
WKH
6
$5 LV GHWHUPLQHG DW WKH KLJKHVW FHUWL
¿
HG
$JHQF\,GHQWL
¿
FDWLRQ1XPEHU
V
)RUUHJXODWRU\LGHQWL
¿
FDWLRQSXUSRVHV\RXUSUR
G
XFW
L
VDVV
L
JQH
G
DPR
G
H
O
QXP
E
H
U
6
7
%
7KH
I
ROORZLQJDFFHVVRULHVKDYHEHHQHYDOXDWHG
I
RUXVHZLWK\RXUGHYLFH7KHLUDVVLJQHGPRGHO
QXPEHUVOLVWHGEHORZFDQLGHQWL
I
\WKHVHDSSURYHG
DFFHVVRU
L
HV
7
R HQVXUH FRQW
L
QXH
G
UH
OL
D
EO
H DQ
G
VD
I
HRSHUDWLRQR
I
\RXU
6
PDUWSKRQHXVHRQO\WKH
DFFHVVRU
L
HV
OL
VWH
G
E
H
O
RZZ
L
W
K
\RX
U
6
7
%
7KL
V
S
UR
G
XFW
L
V
L
QWHQ
G
H
G
WR
E
H XVH
G
Z
L
W
K7KL
V
S
UR
G
XFW
L
V
L
QWHQ
G
H
G
WR
E
H XVH
G
Z
L
W
K
F
HUWL
¿
HGFODVVOLPLWHGSRZHUVRXUFHUDWHG
F
HUWL
¿
HGFODVVOLPLWHGSRZHUVRXUFHUDWHG
9GFPLQLPXP
$SRZHUVXSSO\XQLW
9GFPLQLPXP
$SRZHUVXSSO\XQLW
)HGHUDO&RPPXQLFDWLRQV
&RPPLVVLRQ1RWLFH
7KLV HTXLSPHQW KDV EHHQ WHVWHG DQG
I
RXQG WR
FRPSO\ZLWKWKHOLPLWV
I
RUD
&
ODVV%GLJLWDOGHYLFH
SXUVXDQW WR 3DUW R
I
WKH )
&&
5XOHV 7KHVH
OL
P
L
WVDUH
G
HV
L
JQH
G
WRSURY
LG
HUHDVRQD
EO
HSURWH
F
WLRQDJDLQVWKDUP
I
XOLQWHU
I
HUHQFHLQDUHVLGHQWLDO
L
QVWD
OO
DW
L
RQ
7KL
V HTX
L
SPHQW JHQHUDWHV XVHV
DQGFDQUDGLDWHUDGLR
I
UHTXHQF\HQHUJ\DQGL
I
QRW
L
QVWD
OO
H
G
DQ
G
XVH
G
L
Q DFFRU
G
DQFH Z
L
W
K
W
K
H
LQVWUXFWLRQV PD\ FDXVH KDUP
I
XO LQWHU
I
HUHQFH
WRUD
GL
RFRPPXQ
L
FDW
L
RQV
+
RZHYHUW
K
HUH
L
VQR
JXDUDQWHHWKDWLQWHU
I
HUHQFHZLOOQRWRFFXULQDSD
U
WLFXODULQVWDOODWLRQ,
I
WKLVHTXLSPHQWGRHVFDXVH
KDUP
I
XO LQWHU
I
HUHQFH WR UDGLR RU 79 UHFHSWLRQ
Z
KL
F
K
FDQ
E
H
G
HWHUP
L
QH
G
E
\WXUQ
L
QJW
K
HHTX
LS
PHQWRQDQGR
II
WKHXVHULVHQFRXUDJHGWRWU\
WRFRUUHFWWKHLQWHU
I
HUHQFHE\RQHRUPRUHR
I
WKH
I
ROORZLQJPHDVXUHV
5HJXODWRU\1RWLFHV
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
SRZHUOHYHOWKHDFWXDO
6
$5OHYHOR
I
WKHSKRQH
Z
KLO
HRSHUDW
L
RQFDQ
E
HZH
OO
E
H
O
RZW
K
HPD[
L
PXP
YD
O
XH
7KL
V
L
V
E
HFDXVH W
K
H S
K
RQH
L
V
G
HV
L
JQH
G
WRRSHUDWHDWPX
O
W
L
S
O
HSRZHU
O
HYH
O
VVRDVWRXVH
RQ
O
\W
K
HSRZHUUHTX
L
UH
G
WRUHDF
K
W
K
HQHWZRU
N
,
Q
JHQHUD
O
W
K
HF
O
RVHU\RX DUH WRD Z
L
UH
O
HVV
E
DVH
VWDW
L
RQ DQWHQQD W
K
H
O
RZHU W
K
H SRZHU RXWSXW
%H
I
RUH D SKRQH PRGHO LV DYDLODEOH
I
RU VDOH WR
WKHSXEOLFLWPXVWEHWHVWHGDQGFHUWL
¿
HGWRWKH
)
&&
WKDWLWGRHVQRWH[FHHGWKHOLPLWHVWDEOLVKHG
E\WKHJRYHUQPHQWDGRSWHGUHTXLUHPHQW
I
RUVD
I
H
H[SRVXUH7KHWHVWVDUHSHU
I
RUPHGLQSRVLWLRQV
DQGORFDWLRQV
HJDWWKHHDUDQGZRUQRQWKH
ERG\
DVUHTXLUHGE\WKH)
&&
I
RUHDFKPRGHO
%RG\ZRUQ PHDVXUHPHQWV PD\ GL
II
HU DPRQJ
S
K
RQH PR
G
H
O
V
G
HSHQ
GL
QJ XSRQ DYD
LO
D
EO
H
DFFHVVRULHVDQG)
&&
UHTXLUHPHQWV
:KLOHWKHUH
PD\EHGL
II
HUHQFHVEHWZHHQWKH
6
$5OHYHOVR
I
YDU
L
RXV S
K
RQHV DQ
G
DW YDU
L
RXV SRV
L
W
L
RQV W
K
H\
DOO PHHW WKH JRYHUQPHQW UHTXLUHPHQW
I
RU VD
I
H
H[SRVXUH
)
RU
E
R
G
\ZRUQRSHUDW
L
RQWRPD
L
QWD
L
Q
FRPSOLDQFHZLWK)
&&
5)H[SRVXUHJXLGHOLQHV
XVH RQO\ RULJLQDO PDQX
I
DFWXUHU DSSURYHG
DFFHVVRU
L
HV
:K
HQ FDUU\
L
QJ W
K
H S
K
RQH Z
KLO
H
LW LV RQ XVH WKH VSHFL
¿
F RULJLQDO PDQX
I
DFWXUH
U
VXSS
OL
H
G
RUDSSURYH
G
FDUU\
L
QJFDVH
K
R
O
VWHUR
U
RWKHUERG\ZRUQDFFHVVRU\
8
VHR
I
QRQRULJLQDOPDQX
I
DFWXUHUDSSURYHG
8
VHR
I
QRQRULJLQDOPDQX
I
DFWXUHUDSSURYHG
D
FFHVVRULHVPD\YLRODWH)
&&
5)H[SRVXUH
D
FFHVVRULHVPD\YLRODWH)
&&
5)H[SRVXUH
JXLGHOLQHVDQGVKRXOGEHDYRLGHGJXLGHOLQHVDQGVKRXOGEHDYRLGHG
+
HH
G
VHUY
L
FHPDU
NL
QJV
(
[FHSWDV H[S
O
D
L
QH
G
HOVHZKHUH LQ WKH
2
SHUDWLQJ RU
6
HUYLFH GRF
X
PHQWDWLRQGRQRWVHUYLFHDQ\SURGXFW\RXUVHO
I
6
HUYLFH QHHGHG RQ FRPSRQHQWV LQVLGH WKHVH
FRPSDUWPHQWVV
K
RX
OG
E
H
G
RQH
E
\DQDXW
K
RU
L
]H
G
VHUY
L
FHWHF
K
Q
L
F
L
DQVRUSURY
LG
HU
'
DPDJHUHTX
L
U
L
QJVHUY
L
FH
8
QS
O
XJW
K
HSUR
G
XFW
I
URPWKHHOHFWULFDORXWOHWDQGUH
I
HUVHUYLFLQJWRDQ
DXW
K
RU
L
]H
G
VHUY
L
FHWHF
K
Q
L
F
L
DQVRUSURY
LG
HUXQ
G
H
U
WKH
I
ROORZLQJFRQGLWLRQV
/LTXLGKDVEHHQVSLOOHGRUDQREMHFWKDV
I
DOOHQ
L
QWRW
K
HSUR
G
XFW
7K
HSUR
G
XFW
K
DV
E
HHQH[SRVH
G
WRUD
L
QRUZDWHU
7K
HSUR
G
XFW
K
DV
E
HHQ
G
URSSH
G
RU
G
DPDJH
G
7KHUHDUHQRWLFHDEOHVLJQVR
I
RYHUKHDWLQJ
7K
HSUR
G
XFW
G
RHVQRWRSHUDWHQRUPD
OO
\Z
K
HQ\RX
I
ROORZWKHRSHUDWLQJLQVWUXFWLRQV
$
YR
LG
K
RWDUHDV
7K
HSUR
G
XFWV
K
RX
OG
E
HS
O
DFH
G
DZD\
I
URPKHDWVRXUFHVVXFKDVUDGLDWRUVKHDW
UHJLVWHUV VWRYHV RU RWKHU SURGXFWV
LQFOXGLQJ
DPSOL
¿
HUV
WKDWSURGXFHKHDW
$
YR
LG
ZHW DUHDV
1
HYHU XVH W
K
H SUR
G
XFW
L
Q D
ZHW
O
RFDW
L
RQ
$
YR
LG
SXV
KL
QJ R
EM
HFWV
L
QWR SUR
G
XFW
1
HYH
U
SXVKREMHFWVR
I
DQ\NLQGLQWRFDELQHWVORWVRURWKH
U
RSHQLQJVLQWKHSURGXFW
6
ORWVDQGRSHQLQJVDUH
SURYLGHG
I
RU YHQWLODWLRQ 7KHVH RSHQLQJV PXVW
QRW
E
H
EO
RF
N
H
G
RUFRYHUH
G
0
RXQW
L
QJ
$
FFHVVRU
L
HV
'
RQRWXVHW
K
HSUR
G
XFWRQDQXQVWD
EO
HWD
EO
HFDUWVWDQ
G
WU
L
SR
G
R
U
EUDFNHW$Q\PRXQWLQJR
I
WKHSURGXFWVKRXOG
I
R
O
ORZWKHPDQX
I
DFWXUHU¶VLQVWUXFWLRQVDQGVKRXOG
XVHDPRXQW
L
QJDFFHVVRU\UHFRPPHQ
G
H
G
E
\W
K
H
PDQX
I
DFWXUHU
$
YR
LG
XQVWD
EO
H PRXQW
L
QJ
'
R QRW S
O
DFH W
K
H
SUR
G
XFWZ
L
W
K
DQXQVWD
EO
H
E
DV
H
8
VHSUR
G
XFWZ
L
W
K
DSSURYH
G
HTX
L
SPHQW
7KL
V
SUR
G
XFWV
K
RX
OG
E
HXVH
G
RQ
O
\Z
L
W
K
SHUVRQD
O
FR
P
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
SXWHUVDQGRSWLRQVLGHQWL
¿
HGDVVXLWDEOH
I
RUXVH
Z
L
W
K
\RXUHTX
L
SPHQW
$GM
XVWW
K
HYR
O
XPH
7
XUQ
G
RZQW
K
HYR
O
XPH
E
H
I
RUHXVLQJKHDGSKRQHVRURWKHUDXGLRGHYLFHV
&
OHDQLQJ 8QSOXJWKHSURGXFW
I
URPWKHZDOORX
W
OHWEH
I
RUHFOHDQLQJ'RQRWXVHOLTXLGFOHDQHUVR
U
DHURVROFOHDQHUV8VHDGDPSFORWK
I
RUFOHDQLQJ
EXW1(9(5XVHZDWHUWRFOHDQDQ/
&
'VFUHHQ
6DIHW\3UHFDXWLRQVIRU3RZHU
6XSS
O
\8QL
W
8
VH W
K
H FRUUHFW H[WHUQD
O
SRZHU VRXUFH
$
SURGXFWVKRXOGEHRSHUDWHGRQO\
I
URPWKHW\SH
R
I
SRZHUVRXUFHLQGLFDWHGRQWKHHOHFWULFDOUD
W
LQJV ODEHO ,
I
\RX DUH QRW VXUH R
I
WKH W\SH R
I
SRZHUVRXUFHUHTX
L
UH
G
FRQVX
O
W\RXUDXW
K
RU
L
]H
G
VHUY
L
FHSURY
LG
HURU
O
RFD
O
SRZHUFRPSDQ\
)
RUD
SURGXFWWKDWRSHUDWHV
I
URPEDWWHU\SRZHURURWKH
U
VRXUFHVUH
I
HUWRWKHRSHUDWLQJLQVWUXFWLRQVWKDW
DUH
L
QF
O
X
G
H
G
Z
L
W
K
W
K
HSUR
G
XFW
+
DQ
GO
H
E
DWWHU\
SDFNV FDUH
I
XOO\ 7KLV SURGXFW FRQWDLQV D
/
L
W
KL
XP
L
RQ
E
DWWHU\ 7KHUHLVDULVNR
I
¿
UHDQG
EXUQVL
I
WKHEDWWHU\SDFNLVKDQGOHGLPSURSHUO\
'
R QRW DWWHPSW WR RSHQ RU VHUY
L
FH W
K
H
E
DWWHU\
SDF
N
'
RQRW
GL
VDVVHP
EO
HFUXV
K
SXQFWXUHV
K
RUW
H[WHUQDOFRQWDFWVRUFLUFXLWVGLVSRVHR
I
LQ
¿
UHR
U
ZDWHURUH[SRVHD
E
DWWHU\SDF
N
WRWHPSHUDWXUHV
KLJKHUWKDQ
q
&
q
)
([SRVXUHWR5D
G
LR)UHTXHQF\
5)
6LJQD
OV
<
RXUZ
L
UH
O
HVVS
K
RQH
L
VDUD
GL
RWUDQVP
L
WWHUDQ
G
UHFHLYHU ,W LV GHVLJQHG DQG PDQX
I
DFWXUHG QRW
WR H[FHHG WKH HPLVVLRQ OLPLWV
I
RU H[SRVXUH WR
UDGLR
I
UHTXHQF\
5)
HQHUJ\VHWE\WKH)HGHUDO
&
RPPXQLFDWLRQV
&
RPPLVVLRQR
I
WKH8
6
*
R
Y
HUQPHQW 7KHVH OLPLWV DUH SDUW R
I
FRPSUHKH
Q
V
L
YH JX
LG
H
OL
QHV DQ
G
HVWD
EOL
V
K
SHUP
L
WWH
G
O
HYH
O
V
R
I
5) HQHUJ\
I
RU WKH JHQHUDO SRSXODWLRQ 7KH
JXLGHOLQHV DUH EDVHG RQ WKH VD
I
HW\ VWDQGDUGV
SUHYLRXVO\ VHW E\ ERWK 8
6
DQG LQWHUQDWLRQDO
VWDQ
G
DU
G
V
E
R
GL
HV
$PHULFDQ1DWLRQDO
6
WDQGDUGV,QVWLWXWH
$1
6
,
,(((
&
1DWLRQDO
&
RXQFLORQ5DGLDWLRQ3URWHFWLRQDQG
0HDVXUHPHQW
1
&
53
5HSRUW
,QWHUQDWLRQDO
&
RPPLVVLRQ RQ 1RQ,RQL]LQJ
5DGLDWLRQ3URWHFWLRQ
,
&
1,53
0LQLVWU\R
I
+HDOWK
&
DQDGD
6
D
I
HW\
&
RGH
7KH VWDQGDUGV LQFOXGH D VXEVWDQWLDO VD
I
HW\
PDUJLQ GHVLJQHG WR DVVXUH WKH VD
I
HW\ R
I
DOO
SHUVRQVUHJDUGOHVVR
I
DJHDQGKHDOWK
,QWKH8
6
DQG
&
DQDGDWKH
6
$5OLPLW
I
RUPRELOH
SKRQHVXVHGE\WKHSXEOLFLV:
NJDYHUDJHG
RYHURQHJUDPR
I
WLVVXH7KHVWDQGDUGLQFRUS
R
UDWHVDVXEVWDQWLDOPDUJLQR
I
VD
I
HW\WRJLYHD
G
GLWLRQDOSURWHFWLRQ
I
RUWKHSXEOLFDQGWRDFFRXQW
I
RUDQ\YDULDWLRQVLQ 7KHKLJKHVW6$5YDOXHIRU
WKLV PRGHO SKRQH ZKHQ WHVWHG IRU FRPSOLDQFH
DJDLQVWWKHVWDQGDUGZDV:NJ
<
RXU VPDUWS
K
RQH FRQWD
L
QV D
OL
W
KL
XP
L
RQ
<
RXU VPDUWS
K
RQH FRQWD
L
QV D
OL
W
KL
XP
L
RQ
E
DWWHU\SDFN7KHUHLVDULVNR
I
¿
UHDQGEXUQV
E
DWWHU\SDFN7KHUHLVDULVNR
I
¿
UHDQGEXUQV
I
WKH EDWWHU\ SDFN LV KDQGOHG LPSURSHUO\
I
WKH EDWWHU\ SDFN LV KDQGOHG LPSURSHUO\
'
RQRW
GL
VDVVHP
EO
HFUXV
K
SXQFWXUHV
K
RUW
'
RQRW
GL
VDVVHP
EO
HFUXV
K
SXQFWXUHV
K
RUW
H[WHUQDO FRQWDFWV RU GLVSRVH R
I
LQ
¿
UH R
U
H[WHUQDO FRQWDFWV RU GLVSRVH R
I
LQ
¿
UH R
U
ZDWHU
'
RQRWDWWHPSWWRRSHQRUVHUY
L
FHW
K
HZDWHU
'
RQRWDWWHPSWWRRSHQRUVHUY
L
FHW
K
H
E
DWWHU\SDF
N
5
HS
O
DFHRQ
O
\Z
L
W
K
W
K
H
E
DWWHU\
E
DWWHU\SDF
N
5
HS
O
DFHRQ
O
\Z
L
W
K
W
K
H
E
DWWHU\
SDFNGHVLJQDWHG
I
RUWKLVSURGXFW'LVSRVHSDFNGHVLJQDWHG
I
RUWKLVSURGXFW'LVSRVH
R
I
EDWWHULHVSURSHUO\ 'R QRWGLVSRVHZLWKR
I
EDWWHULHVSURSHUO\ 'R QRWGLVSRVHZLWK
\RXUUHJX
O
DUWUDV
K
\RXUUHJX
O
DUWUDV
K
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
7URXEOHVKRRWLQJ
,I\RXHQFRXQWHUDSUREOHPZLWK\RXU6PDUWSKRQHUHYLHZWKHOLVWEHORZWRWU\DQG¿QG\RXU
SUREOHP,IVWLOOKDYLQJSUREOHPVSOHDVHFRQWDFW7HFKQLFDO6XSSRUWRU\RXUGHDOHU
2SHUDWLQJ3UREOHPV
3UREOHP
0\6PDUWSKRQHVFUHHQLVEODQN
0\6PDUWSKRQHGRHVQRWPDNHDQ\
VRXQGRUYLEUDWHZKHQWKHSKRQH
ULQJVRUDODUPVRFFXU
0\6PDUWSKRQHRSHUDWLRQEHFRPHV
YHU\VORZ
$EDWWHU\ORZZDUQLQJPHVVDJH
SRSVXSRQWKHVFUHHQ
9LHZLQJP\LQFRPLQJPHVVDJHV
6ROXWLRQ
<RXU6PDUWSKRQHLVGHVLJQHGE\GHIDXOWWR
VZLWFKWRDVFUHHQVDYHU7RWXUQLWRQSUHVV
DQ\NH\
<RXU6PDUWSKRQHEDWWHU\PD\UXQGRZQ
&KDUJH\RXU6PDUWSKRQHLPPHGLDWHO\
&KHFNWKHVRXQGVVHWWLQJE\SUHVVLQJ6WDUW
ĺ6HWWLQJVWKHQ6RXQGV
&KHFNWKH2SWLRQVVHWWLQJRQ\RXU
&DOHQGDUWRVHHLIWKHHYHQQRWHUHPLQGHU
LVDFWLYDWHG
<RXPD\RSHQWRRPDQ\SURJUDPV7RUHOHDVH
WKHRSHUDWLRQORDGLQJE\SUHVVLQJ6WDUWĺ
6HWWLQJVĺ6\VWHP0DQDJHPHQWĺ7DVN
0DQDJHUWRVWRSXQQHFHVVDU\SURJUDPV
3OXJWKH$&SRZHUWR\RXU6PDUWSKRQHWR
FKDUJHLW
7KHNLQGVRIPHVVDJHV(PDLODQG606
FDQEHYLHZHGLQWKHIROORZLQJSODFHV
606,QER[WKHQ606
(PDLO,QER[WKHQ$FWLYHV\QF
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
3UREOHP
$ZDUQLQJPHVVDJHDERXW5XQQLQJ
RXWRIPHPRU\SRSVXSRQWKH
VFUHHQ
,FDQQRWRSHQDQLPDJHRUYLGHR
¿OH
7KHLPDJHDSSHDUVGDUNZKHQ
XVLQJWKHFDPHUD
6ROXWLRQ
<RXFDQFUHDWHVSDFHRQ\RXUGHYLFHLQWKH
IROORZLQJZD\V
'HOHWHDQ\XQQHFHVVDU\LQIRUPDWLRQ\RX
KDYHHQWHUHGIRUH[DPSOHPDLOSKRWRVRU
YLGHRFOLSV
'HOHWHXQQHFHVVDU\SURJUDPVE\SUHVVLQJ
6WDUWĺ6HWWLQJVDQGWKHQ5HPRYH
3URJUDPV
7KH LPDJH IRUPDW LV QRW VXSSRUWHG 6HH
&KDSWHU IRU PRUH LQIRUPDWLRQ RQ VXSSRUWHG
¿OHIRUPDWV
<RXFDQDGMXVWIRUGLIIHUHQWOLJKWFRQGLWLRQVLQ
&DPHUDE\SUHVVLQJ0HQX$PELHQFHDQG
WKHQVHOHFWLQJ
$FWLYH6\QF3UREOHPV
3UREOHP
$FWLYH6\QFRSHUDWLRQFDQQRWEH
SHUIRUPHGRUFRQQHFWHG
6ROXWLRQ
0DNH VXUH WKH $FWLYH6\QF FUDGOHFDEOH LV
FRQQHFWHGVHFXUHO\
0DNH VXUH \RX KDYH LQVWDOOHG WKH $FWLYH
6\QFVRIWZDUHZLWKLQWKH6PDUWSKRQH
FRPSDQLRQ&'
0DNHVXUH\RXVHOHFWHG/RFDO86%RU/RFDO
6HULDODVDSSURSULDWHIURPWKH&RQQHFWLRQ
6HWWLQJVRQ$FWLYH6\QF0DQDJHUPHQXRQ
\RXUGHVNWRSFRPSXWHU
2SHUDWLQJ3UREOHPV&RQWG
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
,I \RX DUH XVLQJ WKH RSWLRQDO VHULDO FUDGOH
FDEOHPDNHVXUH\RXDUHQRWUXQQLQJDQRWKHU
SURJUDPZKLFKDOVRZRUNVZLWKVHULDOSRUW\RX
VHOHFWHGZKHQLQVWDOOHG
,I VWLOO FRXOG ZRUN DW DOO WU\ WR UHPRYH WKH
$FWLYH6\QFVRIWZDUH IURP WKHFRQWUROSDQHO
RI\RXUGHVNWRSFRPSXWHUDQGWKHQUHLQVWDOO
DJDLQ
&KHFN WKH 6\QF 2SWLRQV RQ $FWLYH6\QF
0DQDJHU PHQX RQ \RXU GHVNWRS FRPSXWHU WR
VHHLIWKHLQIRUPDWLRQW\SHRIWKHSURJUDP\RX
ZDQWKDVEHHQVHOHFWHGIRUV\QFKURQL]LQJ6HH
PRUH GHWDLOV LQIRUPDWLRQ DERXW$FWLYH6\QF LQ
&KDSWHU
<RXKDYHWRKDYHLQVWDOOHG0LFURVRIW0RELOH
,QIRUPDWLRQ6HUYHU
$FWLYH6\QFLVFRQQHFWHGEXW
GDWDRULQIRUPDWLRQFDQQRWEH
WUDQVIHUUHG
,FDQQRWSHUIRUPRYHUWKHDLU
V\QFKURQL]DWLRQ
&RQQHFWLRQ3UREOHPV
3UREOHP
8QDEOHWRXVH,QIUDUHG,5WR
WUDQVIHULQIRUPDWLRQ
6ROXWLRQ
7UDQVIHU RQO\ RQH ¿OH RU QR PRUH WKDQ
FRQWDFWFDUGVDWDWLPH
/LQH XS WKH ,5 SRUWV VR WKDW WKH\ DUH
XQREVWUXFWHGDQGZLWKLQFORVHUDQJH
0DNHVXUHQRWKLQJLVEHWZHHQWKHWZR,5SRUWV
$GMXVWWKHURRPOLJKWLQJ6RPHW\SHVRIOLJKW
LQWHUIHUHZLWK,5FRQQHFWLRQV7U\PRYLQJWRD
GLIIHUHQWORFDWLRQRUWXUQLQJRIIVRPHOLJKWV
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
3UREOHP
&DQQRWFRQQHFWWR,QWHUQHWZHE
VXU¿QJGRHVQWZRUN
&DQQRWHQGD%OXHWRRWK
FRQQHFWLRQ
&DQQRW¿QGDSDUWLFXODUGHYLFH
6ROXWLRQ
7U\WKHIROORZLQJ
&KHFN\RXKDYHVHWXSDQGFRQQHFWHGWRDQ
,QWHUQHWVHUYLFHSURYLGHU
&KHFN \RXU ZLUHOHVV FRQQHFWLRQ WR \RXU
PRELOH VHUYLFH SURYLGHU LV VZLWFKHG RQ DQG
WKHVLJQDOXQREVWUXFWHG
9HULI\ZLWK\RXU,QWHUQHWVHUYLFHSURYLGHUWKDW
\RXUXVHUQDPHDQGSDVVZRUGDUHFRUUHFW
,I DQRWKHU GHYLFH OHDYHV LWV OLQN RQ ZKHQ LW
LV SDLULQJ ZLWK \RXU GHYLFH WKH RQO\ ZD\ WR
GLVFRQQHFW LV E\ GHDFWLYDWLQJ WKH %OXHWRRWK
OLQN *R WR %OXHWRRWK DQG VHOHFW %OXHWRRWK
DQGWKHQ2II
&KHFNWKHRWKHUGHYLFHLVDFWLYDWHG
&KHFN\RXDUHZLWKLQPHWHUVRIHDFKRWKHU
DQGWKHUHDUHQRREVWUXFWLRQV
&KHFN WKH RWKHU GHYLFH LV QRW LQ +LGGHQ
PRGH
&RQQHFWLRQ3UREOHPV&RQWG
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[
,QGH[
$
$FFHVVLELOLW\
$FWLYH6\QF
DODUP
$OEXP
DOHUW
$PELHQFH
DUHDFRGHV
$VVLJQ0HPEHUV
DWWDFKPHQWV
%
EDFNJURXQG
EDFNOLJKW
EDWWHU\OHYHO
EHDP
&
&DOFXODWRU
&DOOHU,'
&DOO)RUZDUGLQJ
&DOO:DLWLQJ
&DPHUD
&DU
&HUWL¿FDWHV
&RROHIIHFWV
FXUUHQF\IRUPDWWLQJ
'
'HIDXOW3KRWRV
'HWDLOHGYLHZ
'LDOXS
GLVSOD\
'LVSOD\6HWWLQJV
(
HPDLO
HPDLODGGUHVV
)
IRQWVL]H
*
*DPHV
*DPPD
*UD\VFDOH
+
+RPHVFUHHQ
+XH
,
LPDJHFDSWXUHVL]H
,PDJH¿OHQDPHSUH¿[
,QER[
,QVHUWLQJYRLFHUHFRUGLQJV
,QVWDOOLQJ$FWLYH6\QF
,QVWDQWPHVVDJLQJ
,QWHUQHW([SORUHU
-
-DZEUHDNHU
/
/DQGVFDSH
ODQJXDJH
OLJKWFRQGLWLRQV
/RXG
0
0DQDJH*URXS
0HGLD3OD\HU
0HHWLQJ
PHHWLQJUHTXHVWV
PHVVDJHOLVW
0RGHPOLQN
0610HVVHQJHU
PXOWLSUHVV
2
RSHQDPHVVDJH
2ZQHU,QIRUPDWLRQ
3
SDVVZRUG
SKRQHORFN
3KRWR&RQWDFWV
SLFWXUH
3RUWUDLW
3RZHU0DQDJHPHQW
SUR[\FRQQHFWLRQ
5
5HIUHVKLQJ:HESDJHV
5HJLRQDO6HWWLQJV
5HPRWHV\QFKURQL]DWLRQ
UHQDPLQJ
ULQJWRQHV
URWDWLQJ
6
VFUHHQEDFNJURXQG
VFUHHQUHVROXWLRQ
6HSLD
6HWWLQJXSHPDLO
6,0ORFN
6OLGH6KRZ
6PDUWGLDO
606
6ROLWDLUH
6RXQGV
VWHUHRKHDGVHW
V\QFKURQL]DWLRQVFKHGXOH
6\QFKURQL]LQJ,QER[
7
7HPSODWH
7KXPEQDLOV
WLPHRXW
WLPH]RQH
9
YLGHRFOLS
=
=RRPLQJ
6PDUWSKRQH8VHU0DQXDO
$SSHQGL[