Motorola Mobility T56HE1 Portable Cellular/ PCS GSM/ EDGE Transceiver w/ BT User Manual RefGuide 27 4003 indd

Motorola Mobility LLC Portable Cellular/ PCS GSM/ EDGE Transceiver w/ BT RefGuide 27 4003 indd

Exhibit 8 Users Manual

INSTRUCTION MANUAL
A preliminary draft of the User’s Manual follows this page.
The text on the following three pages will be added to the user manual.
A
PPLICANT: MOTOROLA,INC. FCC ID: IHDT56HE1
EXHIBIT 8
SAR Data
Specific Absorption Rate Data
SAR Dat a
This model wireless phone meets the
government’s requirements for exposure to radio
waves.
Your wireless phone is a radio transmitter and receiver. It is
designed and manufactured not to exceed limits for exposure to
radio frequency (RF) energy set by the Federal Communications
Commission (FCC) of the U.S. Government and by the Canadian
regulatory authorities. These limits are part of comprehensive
guidelines and establish permitted levels of RF energy for the
general population. The guidelines are based on standards that
were developed by independent scientific organizations through
periodic and thorough evaluation of scientific studies. The
standards include a substantial safety margin designed to assure
the safety of all persons, regardless of age or health.
The exposure standard for wireless mobile phones employs a unit
of measurement known as the Specific Absorption Rate, or SAR.
The SAR limit set by the FCC and by the Canadian regulatory
authorities is 1.6 W/kg.
1
Tests for SAR are conducted using
standard operating positions accepted by the FCC and by Industry
Canada with the phone transmitting at its highest certified power
level in all tested frequency bands. Although the SAR is
determined at the highest certified power level, the actual SAR
level of the phone while operating can be well below the
maximum value. This is because the phone is designed to operate
at multiple power levels so as to use only the power required to
reach the network. In general, the closer you are to a wireless
base station, the lower the power output.
Before a phone model is available for sale to the public in the U.S.
and Canada, it must be tested and certified to the FCC and Industry
Canada that it does not exceed the limit established by each
government for safe exposure. The tests are performed in
positions and locations (e.g., at the ear and worn on the body)
reported to the FCC and available for review by Industry Canada.
The highest SAR value for this model phone when tested for use at
the ear is 0.67 W/kg, and when worn on the body, as described in
this user guide, is 0.68 W/kg.
2
While there may be differences between the SAR levels of various
phones and at various positions, they all meet the governmental
requirements for safe exposure. Please note that improvements to
this product model could cause differences in the SAR value for
later products; in all cases, products are designed to be within the
guidelines.
SAR Data
Additional information on Specific Absorption Rates (SAR) can be
found on the Cellular Telecommunications & Internet Association
(CTIA) Web site:
http://www.phonefacts.net
or the Canadian Wireless Telecommunications Association (CWTA)
Web site:
http://www.cwta.ca
1. In the United States and Canada, the SAR limit for mobile phones used
by the public is 1.6 watts/kg (W/kg) averaged over one gram of tissue.
The standard incorporates a substantial margin of safety to give
additional protection for the public and to account for any variations in
measurements.
2. The SAR information includes the Motorola testing protocol,
assessment procedure, and measurement uncertainty range for this
product.
FCC Notice
FCC Notice To Users
FCC Notice
Motorola has not approved any changes or modifications to this
device by the user. Any changes or modifications could void the
users authority to operate the equipment. See 47 CFR Sec. 15.21.
This device complies with part 15 of the FCC Rules. Operation is
subject to the following two conditions: (1) This device may not
cause harmful interference, and (2) this device must accept any
interference received, including interference that may cause
undesired operation. See 47 CFR Sec. 15.19(3).
If your mobile device or accessory has a USB connector, or is
otherwise considered a computer peripheral device whereby it can
be connected to a computer for purposes of transferring data, then
it is considered a Class B device and the following statement
applies:
This equipment has been tested and found to comply with the
limits for a Class B digital device, pursuant to part 15 of the FCC
Rules. These limits are designed to provide reasonable protection
against harmful interference in a residential installation. This
equipment generates, uses and can radiate radio frequency energy
and, if not installed and used in accordance with the instructions,
may cause harmful interference to radio communications.
However, there is no guarantee that interference will not occur in a
particular installation. If this equipment does cause harmful
interference to radio or television reception, which can be
determined by turning the equipment off and on, the user is
encouraged to try to correct the interference by one or more of the
following measures:
Reorient or relocate the receiving antenna.
Increase the separation between the equipment and the
receiver.
Connect the equipment to an outlet on a circuit different
from that to which the receiver is connected.
Consult the dealer or an experienced radio/TV technician
for help.
KLSWRSQ
5HIHUHQFH*XLGH
5HY5-DQXDU\
&RS\ULJKW'DQJHU,QF$OOULJKWVUHVHUYHG
 &RQWHQWV
&RQWHQWV
:HOFRPH
'HYLFH%DVLFV
2SHQLQJDQG&ORVLQJWKH'LVSOD\
3KRQH&RQWUROV
&RQWURO%XWWRQV
6RXQG&RQWUROV
:LUHOHVV2Q2II&RQWURO
'LVSOD\&RQWUROV
4XLFN-XPS
%DWWHU\&KDUJHU
5HPRYDEOH%DWWHU\
6,0&DUG6ORW
0HPRU\&DUG6ORW
86%3RZHU3RUW
5HJLVWUDWLRQ
6HWWLQJ8S<RXU'HYLFH
%OXHWRRWK7HFKQRORJ\6HWXS
%DFNJURXQGV
)RQW6L]H
%DFNOLJKWLQJ
.H\*XDUG0RGH
'HYLFH3ULYDF\&RGH
6RXQG3URILOHV
$SSOLFDWLRQ&XVWRPL]DWLRQ
'HIDXOW/RFDOH/DQJXDJH6HWWLQJ
7KH'HYLFH,QWHUIDFH
7KH-XPS6FUHHQ
0HQXV
7LWOH%DUDQG,QGLFDWRUV
7\SHDQG(GLW7H[W
1DYLJDWHLQ7H[W%R[HV
'HOHWH7H[W
&XW&RS\3DVWH8QGR
$XWR7H[W
7\SH6SHFLDO8QLFRGH&KDUDFWHUV
7KH'HVNWRS,QWHUIDFH
8VLQJWKH$SSOLFDWLRQV
P\)DYHV
$GGD&RQWDFWWRP\)DYHV
&DOORU7H[WDP\)DYHV&RQWDFW
$VVLJQDQ,FRQWRDP\)DYHV&RQWDFW
5HSODFHDP\)DYHV3KRQH1XPEHU
3KRQH
0DNHD3KRQH&DOO
8VH%OXHWRRWK+DQGV)UHH+HDGVHWRU&DU.LW
&RQWHQWV 
$QVZHUD3KRQH&DOO
$GGD1XPEHUWR<RXU6SHHG'LDO/LVW
&KHFN<RXU9RLFH0DLO
&KDQJH<RXU3KRQH5LQJWRQH
,PSRUW&RQWDFWVIURP<RXU6,0&DUG
7H[W0HVVDJLQJ
6HQGD7H[W0HVVDJH
:HE%URZVHU
%URZVHWKH:HE
%RRNPDUND:HE3DJH
(PDLO
6HQGDQ(PDLO0HVVDJH
)HWFK(PDLOIURP([WHUQDO$FFRXQWV
)HWFK(PDLO8VLQJ<RXU'HYLFH·V:HE%URZVHU
$WWDFKD3KRWRWRDQ(PDLO0HVVDJH
$GGUHVV%RRN
$GGD&RQWDFWWRWKH$GGUHVV%RRN
,PSRUW$GGUHVV%RRN&RQWDFWV
6HWDQG6HQG´0\Y&DUGµ
6HQGDQ\&RQWDFW·VY&DUG
&DOHQGDU
$GGDQ(YHQWWR&DOHQGDU
1RWHV
&UHDWHD1RWH
6HQGD1RWH
 &RQWHQWV
7R'R
$GGD7DVN
&DPHUD
7DNHD3KRWR
6HQG3KRWRVE\(PDLORU0XOWLPHGLD0HVVDJH
8VH3KRWRIRU&DOOHU,'RU.H\*XDUG%DFNJURXQG
6RQLF%2200XVLF3OD\HU
&RS\0XVLFWRWKH0HPRU\&DUG
3OD\6RQJV
&UHDWHD3OD\OLVW
&DWDORJ
'RZQORDG,WHPVIURPWKH&DWDORJ
0DQDJH<RXU'RZQORDGHG,WHPV
0XOWLPHGLD0HVVDJLQJ
6HQGD0XOWLPHGLD0HVVDJH
,QVWDQW0HVVDJLQJ
6LJQ2Q
6HQGDQ,QVWDQW0HVVDJH
6ZLWFK%HWZHHQ,0&RQYHUVDWLRQV
.H\ERDUG6KRUWFXWV
7URXEOHVKRRWLQJ
+DQGOLQJDQG6DIHW\3UHFDXWLRQV
5HJXODWRU\DQG&RPSOLDQFH,QIRUPDWLRQ
&RQWHQWV 
:HOFRPH
7KDQN\RXIRUEX\LQJDKLSWRSQGHYLFH<RXUKLSWRSZLOOFKDQJHWKH
ZD\\RXFRPPXQLFDWHJHWRUJDQL]HGDQGVWD\FRQQHFWHG
<RXUKLSWRSFRQQHFWVVHDPOHVVO\WRZLUHOHVVQHWZRUNVDOORZLQJ\RX
WREURZVHWKH,QWHUQHWH[FKDQJHLQVWDQWPHVVDJHVDQGVHQGDQG
UHFHLYHHPDLOZLWKLPDJHDWWDFKPHQWVDQGPXOWLPHGLDPHVVDJHVZLWK
YRLFHQRWHV2WKHUIHDWXUHVLQFOXGHDIXOOIHDWXUHGSKRQHSHUVRQDO
LQIRUPDWLRQPDQDJHPHQW3,0DSSOLFDWLRQVDFFHVVWRDSHUVRQDO
:HESRUWDOWKH´'HVNWRS,QWHUIDFHµHQWHUWDLQPHQWDSSOLFDWLRQVD
EXLOWLQPHJDSL[HOFDPHUDDQGDPXVLFSOD\HU
)RUWKHODWHVWLQVWUXFWLRQVRQDOOWKHKLSWRSDSSOLFDWLRQVRSHQWKH
RQOLQHYHUVLRQRIWKLV5HIHUHQFH*XLGHE\FOLFNLQJ+HOSRQWKH
'HVNWRS,QWHUIDFH
 :HOFRPH
9
:HOFRPH 
+HUH·VZKDW\RX·OOILQGLQWKHER[
 KLSWRSGHYLFH
 6,0FDUG
 5HPRYDEOHEDWWHU\
 PLFUR6'FDUG
 86%FDEOH
 %DWWHU\FKDUJHUZDOODGDSWHU
 +DQGVIUHHVWHUHRKHDGVHW
 :ULVWVWUDS
 &DUU\LQJFDVH
 KLSWRS6WDUW*XLGH
 KLSWRS5HIHUHQFH*XLGH
,IDQ\RIWKHVHLWHPVDUHPLVVLQJSOHDVHFRQWDFW\RXUZLUHOHVVRSHUDWRU·V&XVWRPHU
&DUHGHSDUWPHQW
1RZOHVJHWVWDUWHG
'HYLFH%DVLFV
2SHQLQJDQG&ORVLQJWKH'LVSOD\
7RRSHQWKHGLVSOD\KROG\RXUGHYLFHVHFXUHO\ZLWKERWKKDQGVWKHQSXVKXSRQWKH
GLVSOD\ZLWK\RXUWKXPEV7KHGLVSOD\ZLOOVSULQJVPRRWKO\LQWRWKHRSHQSRVLWLRQ
7KHQRUPDORSHUDWLQJSRVLWLRQRIWKHGHYLFHLVKRUL]RQWDOZLWKWKHWUDFNEDOORQWKH
ULJKWDVVKRZQDERYH
7RFORVHWKHGLVSOD\SXVKWKHGLVSOD\GRZQXVLQJ\RXULQGH[ILQJHUV
3URWHFWWKHGLVSOD\IURPVFUDWFKHVE\DOZD\VXVLQJWKHFDUU\LQJFDVHWRWUDQVSRUW
\RXUGHYLFH
 'HYLFH%DVLFV
3KRQH&RQWUROV
 

63($.(53+21(%87721
ZKLOHRQSKRQH
63($.(5
92/80(%877216 ',$/3$'
6(1'&$// 
(1'&$// 
087(%87721
ZKLOHRQSKRQH
+($'6(7-$&.
',$/3$'8VHWKHNH\ERDUGGLDOSDGWRGLDODQXPEHUZLWKRQHKDQG
(1'&$//DQG6(1'&$//EXWWRQV'XULQJDSKRQHFDOOSUHVVWRHQGWKHFDOO
RUFOHDUWKHVFUHHQRIDQXPEHU\RX·YHW\SHG3UHVV WRFDOOWKHSKRQHQXPEHU
\RX·YHW\SHGRUKLJKOLJKWHGLQDOLVW3UHVV ZLWKQRQXPEHUW\SHGWRGLVSOD\DOLVW
RIUHFHQWO\GLDOHGQXPEHUV
63($.(5:KHQXVLQJWKHGHYLFHDVDKDQGVHWSODFHWKH
VSHDNHUWR\RXUHDU
0,&523+21(:KHQ\RXDUHXVLQJWKHSKRQH
VSHDNLQWRWKHPLFURSKRQH
92/80(EXWWRQV7KHYROXPHEXWWRQVDUH
ORFDWHGXQGHUWKH-803 EXWWRQ:KLOHRQD
SKRQHFDOOSUHVVWRLQFUHDVHRUWR
GHFUHDVHYROXPH8VHWKHVKRXOGHUEXWWRQV
WRWXUQ0XWHRU6SHDNHUSKRQHRQDQGRII
'HYLFH%DVLFV 
63($.(5
92/80(%877216
0,&523+21(
 'HYLFH%DVLFV
%/8(7227++$1'6)5((+($'6(725&$5.,77RXVHD%OXHWRRWKKDQGVIUHH
KHDGVHWRUFDUNLWGRWKHIROORZLQJ
3UHVV-803WRJRWRWKH-XPSVFUHHQ3UHVV0(18WRRSHQWKHPHQXWKHQ
VHOHFW%OXHWRRWKWRRSHQWKHVXEPHQX0DNHVXUH%OXHWRRWKIHDWXUHVDUH´RQµ
<RXVKRXOGVHHD7XUQ%OXHWRRWK2IIPHQXLWHP
 :KHQ\RXDUHLQ\RXUFDUPDNHVXUH\RXUKDQGVIUHHKHDGVHWRUFDUNLWLVUHDG\
WRSDLUE\IROORZLQJWKHPDQXIDFWXUHU·VLQVWUXFWLRQV2Q\RXUKLSWRSJRLQWRWKH
3KRQHDSSOLFDWLRQ3UHVV0(18 DQGVHOHFW6HWWLQJV!3DLULQJ
 )URPWKH3DLULQJGLDORJER[VHOHFW\RXU%OXHWRRWKKDQGVIUHHKHDGVHWRUFDU
NLWIURPWKHOLVWRIGHYLFHV\RXPD\KDYHWRZDLWDIHZVHFRQGVZKLOHWKHOLVW
SRSXODWHVZLWK%OXHWRRWKGHYLFHV,ISURPSWHGW\SHWKHGHYLFH·V3,1FRGH
WKHQSUHVV'21(WRGLVPLVVWKH3,1&RGHGLDORJER[
 %\GHIDXOW\RXUFDOO·VVRXQGZLOOJRWKURXJKWKHGHYLFHKDQGVHW7RVHQGRU
UHFHLYH\RXUFDOOXVLQJD%OXHWRRWKGHYLFHSUHVV0(18DQGVHOHFW7UDQVIHU
6RXQGWRWKHQVHOHFW\RXU%OXHWRRWKGHYLFHIURPWKHVXEPHQX
<RXFDQWUDQVIHUWKHFDOO·VVRXQGHLWKHUEHIRUHRUGXULQJDFDOO
 3ODFH\RXUFDOO
 :KHQILQLVKHGZLWK\RXUFDOOSUHVV(1'&$//
67(5(2+($'6(7-$&.$OZD\VFRQQHFW\RXUVWHUHRKHDGVHWWR\RXUGHYLFHEHIRUH
PDNLQJUHFHLYLQJDFDOO7RXVHWKHEXWWRQ
 3UHVVWKHEXWWRQRQFHWRDQVZHUDFDOODQGDVHFRQGWLPHWRHQGLW
 'XULQJDFDOOSUHVVRQFHWRDQVZHUDVHFRQGLQFRPLQJFDOODQGSXWWKHILUVW
FDOOHURQKROG
 :LWKWZRDFWLYHFDOOVSUHVVWKHEXWWRQRQFHWRHQGWKHIRUHJURXQGFDOODQGSUHVV
DJDLQWRUHVXPHWKHEDFNJURXQGFDOO
9
&RQWURO%XWWRQV
  
0(18
-803
75$&.%$//6(1'(1'
&$1&(/
'21(
75$&.%$//3UHVVLQJWKHWUDFNEDOOVHOHFWVDKLJKOLJKWHGLWHPRURSHQVDSRSXS
PHQX5ROOWKHWUDFNEDOOXSGRZQOHIWRUULJKWWRUHYHUVHRUDGYDQFHWKHFXUUHQW
VHOHFWLRQWKURXJKWKH´VHOHFWDEOHµLWHPVRQDVFUHHQRU:HESDJH5ROOLQJWKH
WUDFNEDOOULJKWRUOHIWZLWKDIROGHUKLJKOLJKWHGZLOORSHQRUFROODSVHWKHIROGHU
FRQWHQWV$GMXVWWKHYHUWLFDODQGKRUL]RQWDOVSHHGRIWKHWUDFNEDOOIURPWKH
-XPS0HQX!6HWWLQJV!7UDFNEDOOVFUHHQ
6(1'(1'EXWWRQV:KHQQRWXVLQJWKHSKRQHSUHVVWKHVHEXWWRQVWRSDJHXS
RUGRZQ 
'21(EXWWRQ3UHVVLQJ'21( WDNHV\RXEDFNWKURXJKWKHVFUHHQV\RXZHUH
SUHYLRXVO\YLHZLQJXQWLO\RXUHDFKWKH-XPSVFUHHQ2QDVFUHHQRULQDGLDORJER[
SUHVV'21( WRVDYH\RXUFKDQJHVDQGGLVPLVVWKHVFUHHQRUGLDORJER[,IDPHQX
LVRSHQSUHVV'21( WRFORVHLW
&$1&(/EXWWRQ3UHVVLQJ&$1&(/ GLVPLVVHVDQ\FKDQJHV\RXKDYHPDGHWRD
VFUHHQRUGLDORJER[
0(18EXWWRQ3UHVVLQJ0(18 RSHQVDPHQXRIDFWLRQV\RXFDQWDNHRQWKHFXUUHQW
VFUHHQ,I\RXSUHVV0(18 DQGQRWKLQJRSHQVWKLVPHDQVWKHUHDUHQRPHQX
DFWLRQVDYDLODEOHIRUWKHFXUUHQWVFUHHQ
-803EXWWRQ3UHVVLQJ-803 WDNHV\RXEDFNWRWKH-XPSVFUHHQ\RXUVWDUWLQJ
SRLQWIRUODXQFKLQJDOOWKHGHYLFHDSSOLFDWLRQV
'HYLFH%DVLFV 
5,*+76+28/'(5
%87721
/()76+28/'(5
%87721
32:(5212))%87721
92/80(%877216
',5(&7,21$/
3$'
86%32:(53257
+($'6(7-$&.
',5(&7,21$/3$''3DG3UHVVXSGRZQOHIWRUULJKWWRVFUROORUPRYHZLWKLQ
WH[WILHOGVDQGQDYLJDWHLQJDPHV7KH'3DG´URFNVµLQIRXUGLIIHUHQWGLUHFWLRQVDQG
JHQHUDOO\PLUURUVWKHEHKDYLRURIWKHWUDFNEDOO
/()7$1'5,*+7 6+28/'(5EXWWRQV7KHIXQFWLRQRIWKHVHEXWWRQV
GHSHQGVRQZKLFKDSSOLFDWLRQ\RX·UHXVLQJ)RUH[DPSOHZKLOHXVLQJWKH&DPHUD
WKHULJKWVKRXOGHUEXWWRQFDSWXUHVDSKRWR:KLOHXVLQJWKH3KRQHWKHOHIWVKRXOGHU
EXWWRQWRJJOHV0XWHDQGWKHULJKWVKRXOGHUEXWWRQWRJJOHV6SHDNHUSKRQH,QWKH
(PDLODQG006FRPSRVHVFUHHQVWKHULJKWVKRXOGHUEXWWRQRSHQV\RXUSKRWR
DOEXPVVR\RXFDQVHOHFWDSKRWRWRDWWDFKWRWKHPHVVDJHDQGWKHOHIWVKRXOGHU
EXWWRQRSHQVWKHYRLFHUHFRUGHU
32:(5212))EXWWRQ3UHVVWKH3RZHUEXWWRQIRUWKUHHVHFRQGVWRWXUQWKH
GHYLFHRQRURII<RXFDQDOVRSUHVVWKH3RZHUEXWWRQWZLFH´GRXEOHWDSµWRSRZHU
GRZQ
92/80(EXWWRQV3UHVVDQGKROGRUWRVWHSWKURXJK\RXU6RXQG3URILOHVRUWR
LQFUHDVHGHFUHDVHWKHYROXPHRIDQ\DSSOLFDWLRQ\RX·UHFXUUHQWO\XVLQJVXFKDVWKH
SKRQHRUPXVLFSOD\HU
 'HYLFH%DVLFV
6RXQG&RQWUROV
0LQL0XVLF3OD\HU
7RRSHQWKHPLQLPXVLFSOD\HUWUDQVSRUWFRQWUROVIURPDQ\ZKHUHRQWKHGHYLFH
SUHVV-803 '21( 
8VHWKHWUDFNEDOOWRKLJKOLJKWDFRQWUROWKHQSUHVVWRSHUIRUPWKHDFWLRQ
3OD\SUHYLRXVVRQJ
3DXVHVRQJQRZSOD\LQJRUUHVXPHSOD\LISDXVHG
3OD\QH[WVRQJ
7RVFUROOWKURXJKWKHVRQJVLQWKH3OD\4XHXHUROOWKHWUDFNEDOOGRZQDQGVHOHFW
WKH3OD\4XHXHSDQH5ROOWKHWUDFNEDOOOHIWRUULJKWWRVFUROOWKURXJKWKHVRQJVLQ
\RXUTXHXH
7RMXPSWRDVSHFLILFSODFHLQDVRQJUROOWKHWUDFNEDOOXSWKHQVHOHFWWKHVRQJWLWOH
7KHSOD\HUYLHZZLOOVZLWFKWRWKHIROORZLQJ
7KHURZRIEDUVLVUHIHUUHGWRDVWKH´VFUXEEHUEDUµ7KHKLJKOLJKWHGEDULQGLFDWHV
WKHSURJUHVVRIWKHVRQJ\RXDUHFXUUHQWO\SOD\LQJ5ROOWKHWUDFNEDOOULJKWWRIDVW
IRUZDUGOHIWWRUHZLQG7RH[LWVFUXEEHUPRGHSUHVV'21(
'HYLFH%DVLFV 
9ROXPH&RQWUROV
7KHUHDUHWZRZD\V\RXFDQRSHQWKHYROXPHFRQWUROV
3UHVV0(18 '21( 5ROOWKHWUDFNEDOOOHIWULJKWWRVWHSWKURXJK\RXUVRXQG
SURILOHV/HIWLVORXGHUULJKWLVVRIWHU5HDGPRUHLQ´6RXQG3URILOHVµRQSDJH

3UHVVWKHRUYROXPHEXWWRQVRQWKHORZHUOHIWHGJHRI\RXUGHYLFH&RQWLQXH
SUHVVLQJWKHEXWWRQVWRVWHSWKURXJK\RXUVRXQGSURILOHV
,I\RXDUHSOD\LQJDVRQJRURQWKHSKRQHWKHYROXPHFRQWUROSDQHOLQFOXGHV
VHSDUDWHYROXPHFRQWUROVIRUWKHPXVLFRUSKRQHFDOO7KLVFRQWUROLVIRFXVHGE\
GHIDXOWWRFKDQJH\RXU6RXQG3URILOHUROOWKHWUDFNEDOOGRZQWRIRFXVWKH6RXQG
3URILOHSDQHWKHQUROOWKHWUDFNEDOOOHIWRUULJKWWRVHOHFWDSURILOH
 'HYLFH%DVLFV
:LUHOHVV2Q2II&RQWURO
,I\RXQHHGWRWXUQRII\RXUGHYLFH·V*60*356('*(DQG%OXHWRRWKZLUHOHVV
FRQQHFWLYLW\IRUH[DPSOHGXULQJDLUFUDIWWDNHRIIVDQGODQGLQJVGRWKHIROORZLQJ
)URPWKH-XPSVFUHHQSUHVV0(18 DQGVHOHFW$LUSODQH0RGH!
7XUQ:LUHOHVV2II
 <RXUGHYLFHLVQRZRIIOLQH<RXVKRXOGFRQILUPRIIOLQHVWDWXVE\ORRNLQJQH[WWR
WKHUDGLRWRZHULFRQLQWKHWLWOHEDULWVKRXOGUHDG2))
 7RWXUQZLUHOHVVEDFNRQIURPWKH-XPSVFUHHQSUHVV0(18 DQGVHOHFW
$LUSODQH0RGH!7XUQ:LUHOHVV2Q
1RWHWKDWDIWHU\RXVHOHFWWKH7XUQ:LUHOHVV2Q2IIPHQXLWHPLWWDNHVDIHZ
VHFRQGVIRUWKHUDGLRWRDFWXDOO\WXUQRQRURII'XULQJWKDWWLPHWKHPHQXLWHPZLOO
DSSHDUGLPPHGDQG\RXZLOOQRWEHDEOHWRVHOHFWLW
'LVSOD\&RQWUROV
7RDGMXVWWKHGLVSOD\EDFNOLJKWEULJKWQHVVRSHQWKH'LVSOD\&RQWUROIURPWKH-XPS
VFUHHQE\SUHVVLQJ0(18 WKHQVHOHFWLQJ6HWWLQJV!%DWWHU\'LVSOD\6FUROO
GRZQWRKLJKOLJKWWKH%ULJKWQHVVVOLGHU3UHVVWKHWUDFNEDOOWRRSHQWKHVOLGHUIRU
DGMXVWPHQW5ROOULJKWWRLQFUHDVHEULJKWQHVVOHIWWRGHFUHDVH
4XLFN-XPS
7RMXPSWRDSHQGLQJPHVVDJHRUDQDSSOLFDWLRQ\RX·YHXVHGUHFHQWO\RSHQWKH
4XLFN-XPSPHQXE\SUHVVLQJ-803 '21( 6HOHFWIURP5HFHQWUHFHQWO\XVHG
DSSOLFDWLRQVRU3HQGLQJPHVVDJHV\RXKDYHQ·WUHDG\HW1RWHWKDW\RXFDQXVHWKH
VKRUWFXWVOLVWHGWRJRGLUHFWO\WRWKDWDSSOLFDWLRQRUPHVVDJH
'HYLFH%DVLFV 
%DWWHU\&KDUJHU
<RXUGHYLFHFRPHVZLWKDUHPRYDEOHUHFKDUJHDEOHOLWKLXPLRQEDWWHU\:KHQ
\RXILUVWUHFHLYH\RXUGHYLFHLWLVLPSRUWDQWWKDW\RXIXOO\FKDUJHWKHEDWWHU\DV
GHVFULEHGLQWKHIROORZLQJVWHSV
2QO\XVHWKHFKDUJHUZDOODGDSWHUDQGEDWWHU\SURYLGHGZLWK\RXUGHYLFHRU
DSSURYHGE\\RXUZLUHOHVVRSHUDWRURU\RXULVNGDPDJLQJ\RXUGHYLFH'RQRW
FKDUJH\RXUGHYLFHE\DWWDFKLQJLWWR\RXUFRPSXWHUYLD86%DVWKHFKDUJHUHFHLYHG
LVPLQLPDO
 $WWDFKWKHEDWWHU\FKDUJHUWR\RXUGHYLFH
/RFDWHWKHEDWWHU\FKDUJHUWKDWFDPHLQWKHER[ZLWK\RXUGHYLFH,QVHUWWKH
FKDUJHU·V86%OHDGLQWR\RXUGHYLFH·V86%SRUWORFDWHGWRWKHULJKWRIWKH
'21( EXWWRQXQGHUDSURWHFWLYHUXEEHUFRYHU1RZSOXJWKHSRZHUFRUGLQWR
DVWDQGDUGHOHFWULFDOZDOORXWOHW
$UHGFKDUJHLQGLFDWRUOLJKWZLOOJRRQDQGDOLJKWQLQJEROWLFRQZLOODSSHDURYHU
WKHEDWWHU\LFRQLQWKHWLWOHEDULQGLFDWLQJWKHFKDUJHULVFRQQHFWHGDQGWKH
EDWWHU\LVFKDUJLQJ1RWHWKDWLI\RXUGHYLFHKDVGLVFKDUJHGFRPSOHWHO\LWPD\
WDNHXSWRPLQXWHVEHIRUH\RXVHHDQ\LQGLFDWLRQRIFKDUJLQJRQWKHVFUHHQ
 /HWWKHGHYLFHFKDUJHIRUDWOHDVWIRXUKRXUVXQWLOIXOO\FKDUJHG
5HVWWKHGHYLFHLQDVDIHSODFHDQGOHWWKHEDWWHU\FKDUJHIRUDWOHDVWIRXU
KRXUV:KHQ\RXILUVWUHFHLYH\RXUGHYLFH\RXPXVWIXOO\FKDUJHWKHEDWWHU\IRU
WKHV\VWHPWRSHUIRUPEDWWHU\UHDGLQJFDOLEUDWLRQDQGGHOLYHUIXOOFDSDFLW\
$VWKHGHYLFHLVFKDUJLQJWKHEDUVLQWKHEDWWHU\LFRQILOOUHSHDWHGO\IURPOHIWWR
ULJKW:KHQ\RXUGHYLFHLVIXOO\FKDUJHGWKHOLJKWQLQJEROWLFRQZLOOGLVDSSHDU
DQGWKHEDUVZLOOVWRSPRYLQJDQGUHPDLQLQWKHILOOHGSRVLWLRQ
 'HYLFH%DVLFV
9)RUHIILFLHQWRSHUDWLRQFKDUJH\RXUGHYLFHQLJKWO\,I\RXSODQWROHDYH\RXUGHYLFH
XQDWWHQGHGIRUDQH[WHQGHGSHULRGRIWLPHEHDZDUHWKDWWKHEDWWHU\ZLOOGLVFKDUJH
DIWHUWZRGD\VLILWLVWXUQHGRQDQGQRWDWWDFKHGWRWKHFKDUJHU,I\RXUGHYLFHGRHV
IXOO\GLVFKDUJHVLPSO\DWWDFKLWWRWKHFKDUJHUDOO\RXUGDWDVKRXOGEHUHVWRUHG
5HPRYDEOH%DWWHU\
,I\RXQHHGWRUHSODFH\RXUUHFKDUJHDEOHEDWWHU\ILUVW\RXZLOOQHHGWRUHPRYHWKH
LQVWDOOHGEDWWHU\%HJLQE\SRZHULQJRII\RXUGHYLFH
 3UHVVDQGKROGWKHSRZHUEXWWRQWKUHHVHFRQGVWRSRZHURII,I\RXUGHYLFH
LVFRQQHFWHGWRWKHSRZHUDGDSWHUUHPRYHWKHFKDUJHU·V86%OHDGIURP\RXU
GHYLFHWKHQFORVHWKHUXEEHU86%SRUWFRYHU
 7XUQWKHGHYLFHRYHU:LWKWKHFDPHUDDWWKHWRSWKHURXQGOHQVXVH\RXU
WKXPEVWRSXVKGRZQRQWKHFRYHUVOLJKWO\ZKLOHVOLGLQJWKHFRYHUOHIW2QFH
IUHHOLIWWKHFRYHUWRUHPRYHLW
 /LIWWKHEDWWHU\IURPWKHHGJHFORVHVWWR\RXDQGUHPRYH<RXPD\QHHGWRXVH
\RXUQDLOVWRJULSWKHEDWWHU\
'HYLFH%DVLFV 
 5HSODFHZLWKDQHZEDWWHU\E\ILUVWLQVHUWLQJWKHWRSHGJHWKHHGJHZLWKWKH
JROGFRQWDFWVDQGWKHQSXVKLQJWKHEDWWHU\GRZQWRORFNLQWRSODFH
 5HSODFHWKHFRYHU2QFHWKHEDWWHU\PDNHVFRQWDFWWKHSRZHURQVHTXHQFH
EHJLQV
6,0&DUG6ORW
7RLQVHUWRUUHPRYH\RXU6,0FDUGILUVWSRZHURIIDQGUHPRYHWKHEDWWHU\
 5HPRYHWKHEDFNFRYHUDQGEDWWHU\E\IROORZLQJ´5HPRYDEOH%DWWHU\µVWHSV
RQSDJH
 1RWLFHWKH6,0FDUGVORWRQWKHOHIWKDQGVLGH7KH6,0FDUGILWVVQXJO\XQGHU
WKHOLJKWJUD\EUDFNHWDQGWKHVKHOIEHQHDWK3RVLWLRQWKHFDUGZLWKWKHJROG
FRQWDFWVIDFLQJGRZQDQGWKHFXWFRUQHULQWKHXSSHUOHIWDVVKRZQEHORZ
 7RLQVHUWWKH6,0FDUGVOLGHWKHFDUGXQGHUWKHEUDFNHWEHJLQQLQJZLWKWKH
ORZHUOHIWFRUQHU3XVKWKHFDUGLQJHQWO\EXWILUPO\
 7RUHPRYHWKH6,0FDUGSXOOWKHFDUGVWUDLJKWRXWDORQJWKHORQJH[SRVHG
HGJH<RXPD\QHHGWRXVHDWZHH]HUVWRJULSWKHFDUG2QFHHQRXJKRIWKH
FDUGLVIUHHRIWKHEUDFNHWJHQWO\VOLGHWKHFDUGRXWDQGUHPRYH
 'HYLFH%DVLFV
0HPRU\&DUG6ORW
<RXUGHYLFHFRPHVZLWKD0LQL6HFXUH'LJLWDOPLQL6'IODVKPHPRU\FDUG7R
LQVHUWRUHMHFWWKHPHPRU\FDUG\RXPXVWILUVWSRZHURIIDQGUHPRYHWKHEDWWHU\
 5HPRYHWKHEDFNFRYHUDQGEDWWHU\E\IROORZLQJ´5HPRYDEOH%DWWHU\µVWHSV
RQSDJH
 +ROGWKHGHYLFHLQWKHRULHQWDWLRQVKRZQEHORZZLWKWKHFDPHUDWKHURXQG
OHQVWRWKHULJKW7KHPHPRU\FDUGVORWLVORFDWHGGLUHFWO\EHORZWKH6,0FDUG
 7RLQVHUWWKHPHPRU\FDUGKROGWKHFDUGZLWKWKHJROGFRQWDFWVIDFLQJGRZQ
DQGWKHQRWFKHGVLGHWRWKHULJKW,QVHUWWKHFDUGLQWRWKHVORWDQGSXVKWRORFN
LQWRSODFH
 7RHMHFWWKHPHPRU\FDUGSXVKWKHFDUGLQVOLJKWO\DQGUHOHDVHWKHFDUG
VKRXOGVSULQJSDUWO\RXWRIWKHVORW3XOOWKHFDUGIUHHRIWKHGHYLFH
86%3RZHU3RUW
7KH86%SRZHUSRUWLVORFDWHGRQWKHULJKWHGJHRI\RXUGHYLFH,I\RXKDYHDIODVK
PHPRU\FDUGLQVHUWHG\RXFDQPDQDJHWKHFRQWHQWVRIWKHFDUGE\FRQQHFWLQJD
86%FDEOHWRWKHGHYLFHDQG\RXUFRPSXWHU7KHIODVKPHPRU\ZLOODSSHDUDVD
GULYHRQ\RXUFRPSXWHUDQG\RXZLOOEHDEOHWRDGGRUUHPRYHPXVLFRULPDJHILOHV
XVLQJ\RXUFRPSXWHU·VILOHV\VWHP
:KLOH\RXUGHYLFHLVFRQQHFWHGWR\RXUFRPSXWHUXVLQJWKH86%SRUWWKHPHPRU\
FDUGFRQWHQWVDUHQRWDYDLODEOHIURP\RXUGHYLFH
'HYLFH%DVLFV 
9
5HJLVWUDWLRQ
%HIRUH\RXFDQVWDUWXVLQJ\RXUKLSWRS\RXPXVWFRPSOHWHWKHUHJLVWUDWLRQVWHSV
DVH[SODLQHGLQVWHSLQWKH6WDUW*XLGH7KLVVHFWLRQRIWKH5HIHUHQFH*XLGHWDNHV
\RXWKURXJKWKHUHJLVWUDWLRQSURFHVVLQPRUHGHWDLO1RWHWKDWWKHVHLQVWUXFWLRQVDUH
IRUQHZXVHUVQRWUHWXUQLQJXVHUV5HWXUQLQJXVHUVFDQVLPSO\VLJQLQXVLQJWKHLU
H[LVWLQJXVHUQDPHDQGSDVVZRUG
 :DLWIRUDFFRXQWDFWLYDWLRQ
%HIRUH\RXFDQXVH\RXUDFFRXQW\RXUDFFRXQWPXVWEHDFWLYDWHG7KLVFDQ
WDNHXSWRKRXUVEXWXVXDOO\WDNHVRQO\KRXUV:KLOH\RXZDLWVWHS
WKURXJKWKHVFUHHQVWKDWDSSHDU,IDSSOLFDEOH\RX·OOEHJLYHQWKHRSSRUWXQLW\
WRVHOHFW\RXUODQJXDJHMXVWEHIRUHWKH:HOFRPHVFUHHQDSSHDUV:KHQ\RX
VHHWKH:HOFRPHVFUHHQ\RX·OONQRZ\RXUGHYLFHKDVEHHQDFWLYDWHG
3UHVVWKHWUDFNEDOOWRVHOHFWWKH1HZ8VHUEXWWRQDQGDGYDQFHWRWKHQH[W
VFUHHQ2QVXEVHTXHQWVFUHHQVVHOHFWWKH1H[WEXWWRQWRDGYDQFH
 5HJLVWUDWLRQ
5HJLVWUDWLRQ 
 7\SH\RXUILUVWQDPHDQGODVWQDPH
8VHWKHNH\ERDUGWRW\SH\RXU)LUVWQDPHWKHQUROOWKHWUDFNEDOOGRZQWR
KLJKOLJKWWKH/DVWQDPHILHOG7\SH\RXUODVWQDPHVFUROOGRZQWRKLJKOLJKWWKH
1H[WEXWWRQWKHQSUHVVWKHWUDFNEDOOWRDGYDQFHWRWKHQH[WVFUHHQ
 6HOHFWDXVHUQDPH
7KHXVHUQDPH\RXW\SHZLOOEHFRPHWKHILUVWSDUWRI\RXUHPDLODGGUHVVIRU
H[DPSOHXVHUQDPH#H[DPSOHFRP%HIRUH\RXVHOHFWDXVHUQDPHUHDGWKH
IROORZLQJJXLGHOLQHV
 8VHUQDPHVPXVWVWDUWZLWKDQDOSKDEHWLFFKDUDFWHU$=DQGFDQLQFOXGH
QXPEHUVGDVKHVSHULRGVDQGXQGHUVFRUHVBEXWQRRWKHU
SXQFWXDWLRQ$OWKRXJK\RXFDQXVHSHULRGVZLWKLQDXVHUQDPHGRQRWXVHD
SHULRGDWWKHEHJLQQLQJRUHQGRIWKHQDPHDQGGRQRWXVHWZRSHULRGV
LQDURZ
 8VHUQDPHVPXVWEHDWOHDVWWZREXWQRPRUHWKDQFKDUDFWHUVORQJ
 8VHUQDPHVDUHQRWFDVHVHQVLWLYH)RUH[DPSOHLI\RXUXVHUQDPHLV
´EULGJHWµ\RXZLOOEHDXWKHQWLFDWHGLI\RXVLJQLQE\W\SLQJ´%ULGJHWµ
´%5,'*(7µRUDQ\FRPELQDWLRQRIXSSHURUORZHUFDVHOHWWHUV
2QFH\RXGHFLGHRQDXVHUQDPHW\SHLWLQWKHWH[WER[RQWKHVFUHHQ
 6HOHFWDSDVVZRUG
6HOHFWDVHFXUHSDVVZRUGWKDWIROORZVWKHUXOHVEHORZ
 3DVVZRUGVFDQQRWEHWKHVDPHDV\RXUXVHUQDPH
 3DVVZRUGVPXVWFRQWDLQFKDUDFWHUVFDQLQFOXGHERWK
OHWWHUVDQGQXPEHUVEXWQRVSDFHVVLQJOHTXRWHVVHPLFRORQV
EDFNVODVKHV?RUSHUFHQWVLJQV
 )RUHQKDQFHGVHFXULW\GRQRWFKRRVHDQDFWXDOZRUGWKDWDSSHDUVLQDQ\
ODQJXDJHGLFWLRQDU\'RQRWFKRRVHDSURSHUQDPHVXFKDVWKHQDPHRI
DFKLOG\RXUORFDOVSRUWVWHDPDSHW·VQDPHRU\RXUFLW\RIELUWK'RQRW
FKRRVHDGMDFHQWOHWWHUVRQ\RXUNH\ERDUGRUDVHTXHQWLDORUUHSHDWLQJ
FRPELQDWLRQRIOHWWHUVRUFKDUDFWHUVVXFKDV´µ´µ
´DEFGHIJµ
)RUHQKDQFHGVHFXULW\GRFKRRVHDSDVVZRUGWKDWLVPRUHWKDQVHYHQ
FKDUDFWHUVORQJPL[HVOHWWHUVDQGQXPHUDOVDQGXVHVXSSHUDQGORZHUFDVH
OHWWHUV
 3DVVZRUGVDUHFDVHVHQVLWLYH)RUH[DPSOHLI\RXVHW\RXUSDVVZRUG
WREH´+DUG*XHVVµWKHQ\RXZLOOQRWEHDXWKHQWLFDWHGLI\RXVLJQLQ
E\W\SLQJ´KDUGJXHVVµ
7\SHWKHSDVVZRUGLQWKHWH[WER[WKHQW\SHLWDJDLQWRFRQILUP<RXZLOOVHH
IHHGEDFNRQKRZVHFXUH\RXUSDVVZRUGLV
 6HOHFW\RXUWLPH]RQH
2SHQWKHSRSXSPHQXWRVHHDOLVWRIWLPH]RQHV6HOHFW\RXUVIURPWKHOLVW
WKHQVHOHFW1H[W
 6HOHFWD´VHFUHWTXHVWLRQµDQGW\SH\RXUDQVZHU
,I\RXHYHUIRUJHW\RXUSDVVZRUG\RX·OOQHHGWRFRQWDFW\RXURSHUDWRU·V
&XVWRPHU&DUHUHSUHVHQWDWLYH)RUVHFXULW\SXUSRVHVWKH\ZLOODVN\RXWR
SURYLGHDQDQVZHUWRWKH´VHFUHWTXHVWLRQµ\RXVHOHFWRQWKLVVFUHHQ3UHVVWKH
WUDFNEDOOWRRSHQWKH4XHVWLRQSRSXSPHQXVFUROOWRKLJKOLJKWDTXHVWLRQ
WKHQSUHVVWKHWUDFNEDOOWRVHOHFWLW
5ROOWKHWUDFNEDOOGRZQWRKLJKOLJKWWKH$QVZHUILHOGWKHQW\SH\RXUDQVZHU
:KHQILQLVKHGVHOHFW1H[WWRFRQWLQXH
 5HJLVWUDWLRQ
5HJLVWUDWLRQ 
 5HDGDQGDJUHHWRWKHHQGXVHUDJUHHPHQW
%HIRUH\RXFDQILQLVKUHJLVWUDWLRQ\RXPXVWUHDGDQGDJUHHWRWKHHQGXVHU
DJUHHPHQW<RXFDQUHDGLWE\VHOHFWLQJWKHRQVFUHHQ9LHZ$JUHHPHQWOLQNRU
IURPWKH'HVNWRS,QWHUIDFH2QFH\RXUHDGWKHHQGXVHUDJUHHPHQWVHOHFWWKH
1H[WEXWWRQWRLQGLFDWH\RXUDFFHSWDQFHDQGWUDQVPLW\RXUUHJLVWUDWLRQGDWD
 :DLWZKLOHGDWDWUDQVPLWV
:DLWZKLOHWKHGDWD\RXHQWHUHGLQ5HJLVWUDWLRQWUDQVPLWVWR\RXUZLUHOHVV
RSHUDWRU7KHVHUYLFHZLOOFKHFNWRVHHLI\RXUXVHUQDPHDOUHDG\KDVEHHQ
WDNHQ,ILWKDV\RXZLOOEHRIIHUHGDOWHUQDWLYHV<RXFDQHLWKHUSLFNRQHRIWKHVH
DOWHUQDWLYHVRUW\SHDGLIIHUHQWXVHUQDPH1RWHWKDWLI\RXDUHRXWRIQHWZRUN
FRYHUDJH\RX·OOEHDVNHGWR´WU\DJDLQµWRUHVXPHUHJLVWUDWLRQ
 &RQJUDWXODWLRQV
2QFH\RXUDFFRXQWKDVEHHQVHWXS
\RX·OOVHHWKH
&RQJUDWXODWLRQVVFUHHQ
6HOHFWWKH6WDUWEXWWRQWREHJLQ
6HWWLQJ8S<RXU'HYLFH
%OXHWRRWK7HFKQRORJ\6HWXS
<RXUGHYLFHVXSSRUWVWKH%OXHWRRWKZLUHOHVVWHFKQRORJ\6SHFLILFDWLRQVR\RX
FDQFRQQHFWWRKDQGVIUHHGHYLFHVKHDGVHWDQGFDUNLWDQGDQ\GHYLFHWKDWFDQ
UHFHLYHDY&DUGYLD%OXHWRRWK3&VSKRQHV
7RWXUQRQ%OXHWRRWKIHDWXUHVDQGRSHQWKH%OXHWRRWKVHWWLQJVGRWKHIROORZLQJ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WRRSHQWKHPHQXWKHQ
VHOHFW%OXHWRRWK7KHVXEPHQXRSHQV
 )URPWKLVVXEPHQX\RXFDQGRWKHIROORZLQJ
3DLULQJ'LVSOD\VDOLVWRIDYDLODEOH%OXHWRRWKGHYLFHVZLWKZKLFK\RXFDQSDLU
0\'HYLFH5HQDPH\RXUGHYLFHDVLWDSSHDUVWRRWKHUVDQGVHOHFWDQRSWLRQ
UHTXLULQJWKDWRWKHUVDXWKHQWLFDWHEHIRUHFRQQHFWLQJWR\RXUGHYLFH<RXFDQ
DOVRUHTXHVWWKDWWKHGHYLFHDXWRPDWLFDOO\WU\WKH3,1VDQGZKHQ
DXWKHQWLFDWLQJZLWKRWKHUGHYLFHV
)RUPD[LPXPSULYDF\DQGVHFXULW\PDNHVXUH\RXVHOHFWWKH5HTXLUH
DXWKHQWLFDWLRQFKHFNER[
9LVLELOLW\DQG%OXHWRRWK2Q2II%OXHWRRWKIHDWXUHVDUH´RIIµE\GHIDXOWWR
VHOHFWRQHRIWKHYLVLELOLW\RSWLRQV\RXPXVWILUVW7XUQ%OXHWRRWK2QIURPWKH
PHQX2QFH%OXHWRRWKIHDWXUHVDUHRQVHOHFWIURP$OZD\V9LVLEOHLI\RX
DUHDFWLYHO\XVLQJ%OXHWRRWKGHYLFHV9LVLEOHIRUVHFWRH[FKDQJHDY&DUG
TXLFNO\DQG1HYHU9LVLEOHSUHYHQWVRWKHUVIURPVHQGLQJ\RXY&DUGVRU
SDLULQJZLWK\RX
 6HWWLQJ8S<RXU'HYLFH
6HWWLQJ8S<RXU'HYLFH 
6HQG0\Y&DUG,I\RXKDYHVHW´0\Y&DUGµLQWKH$GGUHVV%RRN\RXFDQVHQG
\RXUY&DUGTXLFNO\WRDQRWKHU%OXHWRRWKGHYLFHE\VHOHFWLQJWKLVRSWLRQRUE\
XVLQJWKHVKRUWFXW0(18 <5HDGPRUHLQ´6HWDQG6HQG0\Y&DUGµRQ
SDJH
 :LWK%OXHWRRWKIHDWXUHVRQ\RXFDQDOVRXVHDKDQGVIUHHKHDGVHWRUFDUNLW
WRSODFHDQGUHFHLYHSKRQHFDOOVIURP\RXUGHYLFH5HDGPRUHLQ´%OXHWRRWK
+DQGV)UHH+HDGVHWRU&DU.LWµRQSDJH
%DFNJURXQGV
<RXFDQFXVWRPL]HWKHEDFNJURXQGRQDOOWKHDSSOLFDWLRQVSODVKVFUHHQV
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WKHQVHOHFW
%DFNJURXQGV
 +LJKOLJKW\RXUFKRLFHRIEDFNJURXQGIURPWKHVXEPHQXWKHQSUHVVWKH
WUDFNEDOOWRVHWLW
<RXFDQGRZQORDG´WKHPHVµIURPWKH&DWDORJDQGDVVLJQWKHPDVDEDFNJURXQG
)RQW6L]H
%\GHIDXOWWKHWH[WRQ\RXUGHYLFHDSSHDUVLQD´0HGLXPµVL]HIRQW<RXFDQFKDQJH
WKHVL]HIURPWKH)RQWVVHWWLQJVVFUHHQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WRRSHQWKHPHQXWKHQ
VHOHFW)RQWV
6HOHFWWKH)RQW6L]HSRSXSPHQXDQGVHOHFWIURP6PDOO0HGLXPRU/DUJH
3UHVV'21( WRVDYH\RXUIRQWVL]HVHWWLQJ
%DFNOLJKWLQJ
$VORQJDV\RXDUHDFWLYHO\XVLQJ\RXUGHYLFHWKHEDFNOLJKWIRU\RXUGLVSOD\
NH\ERDUGDQGWUDFNEDOOZLOOVWD\RQ$IWHU\RXVWRSXVLQJ\RXUGHYLFHWKHEDFNOLJKWV
ZLOOVWD\RQIRUVHFRQGVEXW\RXFDQFKDQJHWKLVVHWWLQJ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WKHQVHOHFW
6HWWLQJV!%DWWHU\'LVSOD\
,QWKH%DFNOLJKWJURXSER[RSHQWKH7XUQRIIDIWHUSRSXSPHQXDQGVHOHFWD
WLPHRXWRSWLRQXSWRILYHPLQXWHV7KHORZHUWKHWLPHWKHPRUHEDWWHU\SRZHU
\RXZLOOFRQVHUYH
%\GHIDXOWWKH8VHDPELHQWOLJKWVHQVRUFKHFNER[LVVHOHFWHG7KLVFRQVHUYHV
EDWWHU\SRZHUDQGPHDQVZKHQWKHUHLVHQRXJKOLJKWLQWKHHQYLURQPHQWWKH
NH\ERDUGDQGWUDFNEDOOEDFNOLJKWVZLOOGLPDXWRPDWLFDOO\
.H\*XDUG0RGH
<RXFDQHIIHFWLYHO\ORFNWKHFRQWUROVE\HQWHULQJNH\JXDUGPRGH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WRRSHQWKHPHQXVFUROO
WRKLJKOLJKW.H\*XDUGWKHQSUHVVWKHWUDFNEDOO<RXFDQDOVRHQWHUNH\JXDUG
PRGHTXLFNO\E\SUHVVLQJDQGKROGLQJ'21( IRUWZRVHFRQGV
<RXUGHYLFHFRQWUROEXWWRQVORFNDQGWKHNH\JXDUGVFUHHQDSSHDUV
7RWXUQRQWKHEDFNOLJKWZKLOHLQNH\JXDUGRUVOHHSSUHVVWKHULJKWVKRXOGHUEXWWRQ
7RXQORFNDQGZDNHWKHGHYLFHRSHQWKHVFUHHQRUSUHVV0(18 '21( ,I
\RXKDYHVHWDSULYDF\FRGHVHHQH[WVHFWLRQW\SHLWDWWKHSURPSW
%\GHIDXOW\RXUGHYLFHLVVHWWRHQWHUNH\JXDUGPRGHDIWHUILYHPLQXWHVRILGOHWLPH
<RXFDQFKDQJHWKLVVHWWLQJIURPWKH-XPS6HWWLQJV!.H\*XDUG6HFXULW\VFUHHQ
7RSUHYHQWGLVSOD\GDPDJHDIWHU\RXUGHYLFHKDVEHHQLQNH\JXDUGPRGHIRUILYH
PLQXWHVWKHVFUHHQZLOOJREODFN7RZDNH\RXUGHYLFHSUHVVDQ\NH\RURSHQWKHVFUHHQ
 6HWWLQJ8S<RXU'HYLFH
9
9
6HWWLQJ8S<RXU'HYLFH 
'HYLFH3ULYDF\&RGH
,I\RXZDQWWRVHFXUH\RXUGHYLFHIURPXQDXWKRUL]HGDFFHVVRQFH\RXUGHYLFHKDV
JRQHLQWRNH\JXDUGPRGH\RXPXVWVHWXSDSULYDF\FRGH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WKHQVHOHFW
6HWWLQJV!.H\*XDUG6HFXULW\
6FUROOGRZQWRWKH3ULYDF\/RFNJURXSER[+LJKOLJKW 
WKHQSUHVVWKHWUDFNEDOOWRVHOHFWLW
(QWHUDWKUHHGLJLWFRGHXVLQJWKHNH\ERDUGRUWKHQXPEHUSRSXSPHQX
 $WWKHSURPSWUHHQWHU\RXUFRGHWRYHULI\
$´1HZ&RPELQDWLRQ(QDEOHGµPHVVDJHDSSHDUV6HOHFW2.
3UHVV'21( WRVDYH\RXUVHWWLQJVDQGUHWXUQWRWKH-XPSVFUHHQ
<RXFDQVWLOOPDNHHPHUJHQF\FDOOVIURPWKHNH\JXDUGVFUHHQHYHQLISULYDF\FRGH
LVHQDEOHGE\RSHQLQJWKHGLVSOD\WKHQSUHVVLQJ0(18 -803
6RXQG3URILOHV
7RFUHDWHDQHZVRXQGSURILOHRUPRGLI\DQH[LVWLQJSURILOHSUHVV-803 WKHQSUHVV
0(18 DQGVHOHFW6HWWLQJV!6RXQG3URILOHV<RXFDQKDYHXSWRHLJKWSURILOHVWRWDO
7KHV\VWHPSURYLGHVVL[SURILOHVE\GHIDXOW
9
$SSOLFDWLRQ&XVWRPL]DWLRQ
6HWDSSOLFDWLRQVSHFLILFSUHIHUHQFHVXVLQJWKH6HWWLQJVVFUHHQVIRXQGZLWKLQWKH
DSSOLFDWLRQV6RPHRIDSSOLFDWLRQVHWWLQJV\RXFDQFXVWRPL]HLQFOXGH
 6HW\RXUIDYRULWH:HEKRPHSDJH:HE%URZVHU
 6HOHFWLQGLYLGXDO&DOOHU,'LFRQVRUSKRWRV3KRQH$GGUHVV%RRN
 &UHDWH\RXURZQFDWHJRULHVDQGODEHOVIRULGHQWLI\LQJFRQWDFWLQIRUPDWLRQ
$GGUHVV%RRN
 6HWGLIIHUHQWULQJWRQHVIRULQGLYLGXDOFDOOHUV3KRQH$GGUHVV%RRN 
,I\RXVHHDPXVLFDOQRWH QH[WWRDPHQXLWHP\RX·OONQRZWKDW·VZKHUH\RX
FXVWRPL]HWKDWDSSOLFDWLRQ·VULQJWRQHVHWWLQJ
'HIDXOW/RFDOH/DQJXDJH6HWWLQJ
&KDQJHWKHGHIDXOWORFDOHIRU\RXUGHYLFHIURPWKH/RFDOH6HWWLQJVVFUHHQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WRRSHQWKHPHQXWKHQ
VHOHFW6HWWLQJV!/RFDOH7KH/RFDOHVFUHHQDSSHDUV
 $OODYDLODEOHORFDOHVDUHOLVWHGLQWKH/DQJXDJHSRSXSPHQX6HOHFWWKHORFDOH
\RXZLVKWRVHWDV\RXUGHIDXOW,I\RXUSRSXSPHQXLVGLPPHG\RXKDYHQR
RWKHUORFDOHVDYDLODEOH
<RXUGHYLFHPXVWUHVWDUWEHIRUHDODQJXDJHFKDQJHZLOOWDNHHIIHFW
 ,QWKH.H\ERDUG0DSSLQJSRSXSVHOHFWDORFDOHWRZKLFK\RXZDQW\RXU
NH\ERDUGPDSSHG,I\RXFKDQJHWKHPDSSLQJZKDWDSSHDUVRQWKHVFUHHQ
ZKHQ\RXW\SHPD\QRORQJHUFRUUHVSRQGWRWKHFKDUDFWHUVSULQWHGRQ\RXU
NH\ERDUG,IWKLVSRSXSPHQXLVGLPPHGWKHQ\RXKDYHQRRWKHUPDSSLQJV
DYDLODEOH
3UHVV'21( WRVDYH\RXUVHWWLQJDQGGLVPLVVWKH/RFDOHVFUHHQ<RXUGHYLFH
ZLOOUHVWDUWLI\RXKDYHFKDQJHG\RXUGHIDXOWODQJXDJH
 6HWWLQJ8S<RXU'HYLFH
9
7KH'HYLFH,QWHUIDFH 
7KH'HYLFH,QWHUIDFH
7KH-XPS6FUHHQ
7KH-XPSVFUHHQLV\RXUHQWU\SRLQWWRDOOGHYLFHDSSOLFDWLRQV$SSOLFDWLRQVDUH
DUUDQJHGRQWKHOHIWVLGHRIWKHVFUHHQLQD´ULQJµ6RPHDSSOLFDWLRQVDUHJURXSHG
LQWRDVHFRQGOHYHOIROGHU7KH-XPSVFUHHQPHQXSURYLGHVGHYLFHZLGHVHWWLQJVDQG
FRQWUROV
*RWRWKH-XPSVFUHHQIURPDQ\VFUHHQE\SUHVVLQJ-803 7KH3KRQHVSODVK
VFUHHQLVVHOHFWHGE\GHIDXOW
3UHVV0(18IURPWKH-XPSVFUHHQWRRSHQWKH-XPSVFUHHQPHQX
 )URPWKLVPHQX\RXFDQRSHQWKHGHYLFHZLGH6HWWLQJVVFUHHQV<RXFDQDOVR
WXUQZLUHOHVVRQRII$LUSODQH0RGHRSHQ%OXHWRRWKVHWWLQJVRSHQ+HOS
RQOLQH2ZQHU·V0DQXDORU&RQQHFWLYLW\7LSVODXQFKWKH4XLFN-XPSPHQX
VHOHFWD-XPSVFUHHQ%DFNJURXQGWKHPHSODFHWKHGHYLFHLQ.H\*XDUGDQG
3RZHU2II
7RVHOHFWDQDSSOLFDWLRQVFUROOWKURXJKWKH´ULQJµRIDSSOLFDWLRQLFRQV:KHQ
WKHDSSOLFDWLRQRUDSSOLFDWLRQIROGHU\RXZDQWLVKLJKOLJKWHGVLPSO\SUHVVWKH
WUDFNEDOORQFHWRRSHQWKDWDSSOLFDWLRQRUWRHQWHUWKHVHFRQGOHYHODSSOLFDWLRQ
ULQJ
0HQXV
$OPRVWHYHU\VFUHHQRQ\RXUGHYLFHKDVDVHWRIDFWLRQV\RXFDQWDNHZKLOHRQWKDW
VFUHHQ7KHVHDFWLRQVDUHOLVWHGLQDIORDWLQJZLQGRZZKLFK\RXRSHQE\SUHVVLQJ
WKH0HQXEXWWRQ0(18 0HQXLWHPVZLWKVXEPHQXVDUHQRWHGZLWKDULJKWSRLQWLQJ
DUURZKHDG7KH3KRQH6HWWLQJVVXEPHQXLVVKRZQEHORZ

)UHTXHQWO\XVHGPHQXLWHPVDOVRKDYHNH\ERDUGVKRUWFXWVWKDWXVHWKH0HQX
EXWWRQSOXVDVKRUWFXWNH\7DNHDORRNDWWKHPHQXVKRZQDERYH7RFUHDWHDQHZ
VSHHGGLDOVKRUWFXW\RXFRXOGSUHVV0(18 1UDWKHUWKDQRSHQLQJWKHPHQXDQG
VHOHFWLQJ1HZ6SHHG'LDOZLWKWKHWUDFNEDOO
 7KH'HYLFH,QWHUIDFH
7KH'HYLFH,QWHUIDFH 
7LWOH%DUDQG,QGLFDWRUV
7KHGHYLFHGLVSOD\LQGLFDWRUVDSSHDUDWWKHWRSRI\RXUVFUHHQDWDOOWLPHV
%OXHWRRWK2Q
6FUHHQ7LWOH
%DWWHU\6WUHQJWK
:LUHOHVV6LJQDO6WUHQJWK
'DWHDQG7LPH
6HUYLFH&RQQHFWLYLW\6WDWXV
1HZ0HVVDJH1RWLILFDWLRQ(PDLO
6RXQG3URILOH6HWWLQJ
:LUHOHVVVLJQDOVWUHQJWKLQGLFDWRU7KHQXPEHURIVLJQDOEDQGVVKRZLQJWRWKHULJKW
RIWKHUDGLRWRZHULFRQUHSUHVHQWVWKHVWUHQJWKRIWKHVLJQDODW\RXUFXUUHQWORFDWLRQ
,I\RXVHHDQ;IODVKLQJRYHUWKHUDGLRWRZHULFRQ\RX·YHWHPSRUDULO\ORVWQHWZRUN
FRQQHFWLRQDQGFDQPDNHQRFDOOV
6HUYLFHFRQQHFWLYLW\LQGLFDWRUV2QHGRW GHYLFHLVFRQQHFWLQJWRWKH*356('*(
QHWZRUNWZRGRWV JHWWLQJ,3DGGUHVVWKUHHGRWV FRQQHFWLQJWRWKHGDWDVHUYLFH
´*µ IXOO\FRQQHFWHGWRWKHGDWDVHUYLFH
*603KRQHVHUYLFHRQO\$SKRQHLFRQLQWKHSODFHRIWKH´*µPHDQV\RXDUH
XVLQJRURQO\KDYHDFFHVVWR*60SKRQHVHUYLFH,I\RXKDYHDFDOOLQSURJUHVV
\RX·OODOVRVHHDWLPHU,IWKHSKRQHLFRQLVKROORZ\RXFDQRQO\PDNHHPHUJHQF\
SKRQHFDOOV
%OXHWRRWKLQGLFDWRU:KHQ\RXVHHWKLVLFRQMXVWWRWKHOHIWRIWKH´*µ\RXNQRZWKDW
%OXHWRRWKIHDWXUHVDUHDYDLODEOH
%DWWHU\LQGLFDWRUV7KHQXPEHURIEDUVVKRZLQJLQWKHEDWWHU\LFRQUHSUHVHQWVWKH
FKDUJHUHPDLQLQJLQWKHEDWWHU\:KHQFRQQHFWHGWRWKHFKDUJHUDOLJKWQLQJEROW
DSSHDUVDQGZKHQ\RXUEDWWHU\LVDOPRVWIXOO\GLVFKDUJHGDQH[FODPDWLRQSRLQW
DSSHDUV
3KRQHFDOOLQGLFDWRUV
$WLPHUDSSHDUVZKHQ\RXKDYHDFDOOLQSURJUHVVLQWKHH[DPSOHFDOOWLPHHODSVHG
LVPLQVVHFV1RWHWKDWWKHSKRQHLFRQEOLQNV,I\RXKDYHWZRFDOOVDFWLYHWKH
WLPHGLVSOD\HGLVIRUWKHIRUHJURXQGFDOO
&DOOIRUZDUGLQJLVWXUQHGRQ<RXUSKRQHZLOOQRWULQJ
6RXQG3URILOHVHWWLQJ:KHQ\RXKDYHVRXQGWXUQHGRII´6LOHQWµVRXQGSURILOH
WKHWLWOHEDUZLOOLQGLFDWHZKHWKHU\RXKDYHIODVKLQJOLJKWVRUYLEUDWLRQVHWIRUDOHUWV
RUQRWLILFDWLRQV)URPOHIWWRULJKWWKHLFRQVLQGLFDWHWRWDOO\VLOHQWQRVRXQGQR
IODVKLQJOLJKWVQRYLEUDWLRQIODVKLQJOLJKWVRQO\DQGYLEUDWLRQRQO\
&RPPXQLFDWLRQVHUYLFHVQRWLILFDWLRQV:KHQ\RXUHFHLYHDQHZHPDLOWH[W,0
006RUYRLFHPDLOPHVVDJHRUZKHQD:HESDJHKDVILQLVKHGORDGLQJ\RX·OOVHH
DYLVXDO´EDOORRQµQRWLILFDWLRQPRYHDFURVVWKHWLWOHEDUZKLOH\RX·UHLQDQ\DSSOLFDWLRQ
H[FHSWJDPHV
8QWLO\RXFKHFN\RXUQHZPHVVDJHRUJRWR\RXU:HESDJH\RX·OOVHHWKH
DSSURSULDWHLFRQLQWKHWLWOHEDUDVDUHPLQGHU7KHH[DPSOHVVKRZQWRWKHOHIW
LOOXVWUDWHDSHQGLQJHPDLOPHVVDJHWH[WPHVVDJHDQGORDGHG:HESDJH
0HPRU\FDUGDFWLYLW\LQGLFDWRUV
:KHQGDWDLVEHLQJZULWWHQWRRUIURP\RXUPHPRU\FDUG\RXZLOOVHHWKLVLFRQ
IODVKLQJLQWKHWLWOHEDUMXVWWRWKHOHIWRIWKHGDWH
:KHQ\RXDUHLQVHUWLQJRUHMHFWLQJWKHFDUG\RXZLOOVHHWKHPHPRU\FDUGLFRQZLWK
DQDUURZWKHDUURZSRLQWVOHIWZKHQLQVHUWLQJULJKWZKHQHMHFWLQJ
86%FRQQHFWRULFRQ:KHQ\RXUGHYLFHLVFRQQHFWHGWR\RXUFRPSXWHUXVLQJWKH
86%SRUW\RXZLOOVHHWKLVLFRQLQWKHWLWOHEDUMXVWWRWKHOHIWRIWKHGDWH1RWH
WKDWZKHQ\RXUGHYLFHLVDWWDFKHGWR\RXUFRPSXWHUYLD86%WKHFRQWHQWVRI\RXU
PHPRU\FDUGFDQQRWEHUHDGE\WKHGHYLFH
 7KH'HYLFH,QWHUIDFH
7KH'HYLFH,QWHUIDFH 
7\SHDQG(GLW7H[W
,W·VHDV\WRW\SHDQGHGLWWH[WLQDQ\WH[WER[XVLQJWKHNH\ERDUGDQGWKHDGYDQFHG
WH[WHGLWLQJIHDWXUHVGHVFULEHGEHORZ
1DYLJDWHLQ7H[W%R[HV
8VHWKHFRQWUROEXWWRQVDQGNH\ERDUGWRQDYLJDWHZLWKLQDWH[WER[
7RPRYHFKDUDFWHUE\FKDUDFWHUSUHVVWKH'SDGRUUROOWKHWUDFNEDOOOHIWULJKW
 7RMXPSWRWKHEHJLQQLQJHQGRIDZRUGSUHVV$/7'SDGRUWUDFNEDOOOHIWULJKW
 7RMXPSWRWKHEHJLQQLQJHQGRIDOLQHSUHVV0(18 WUDFNEDOOOHIWULJKW
7RMXPSWRWKHWRSERWWRPRIDWH[WER[SUHVV0(18  RU 
'HOHWH7H[W
7RGHOHWHDFKDUDFWHUWRWKHOHIWRIWKHFXUVRUSUHVVWKH'(/ 
7RGHOHWHDFKDUDFWHUWRWKHULJKWRIWKHFXUVRUSUHVV6+,)7 
7RGHOHWHDOOWKHFKDUDFWHUVRQRQHOLQHSUHVV$/7 
&XW&RS\3DVWH8QGR
7RFXWFRS\RUSDVWHWH[W\RXKDYHW\SHGIROORZWKHVHLQVWUXFWLRQV
3RVLWLRQ\RXUWH[WFXUVRUQH[WWRWKHWH[W\RXZDQWWRFXWRUFRS\8VHWKH'SDG
RUWUDFNEDOOWRSRVLWLRQWKHWH[WFXUVRU
 +ROGGRZQWKH6KLIWNH\ZKLOHSUHVVLQJWKH'SDGRUWUDFNEDOOLQDGLUHFWLRQ$V
\RXVHOHFWWH[WLWLVVKRZQKLJKOLJKWHG7RGHVHOHFWUHOHDVHWKH6KLIWNH\DQG
SUHVVWKH'SDGRUWUDFNEDOOLQDQ\GLUHFWLRQ
 3UHVV0(18 DQGVHOHFW(GLW7H[WWRRSHQWKH(GLW7H[WVXEPHQXRUVLPSO\
SUHVVDQGKROGWKHWUDFNEDOOWRRSHQWKH(GLW7H[WFRQWH[WPHQX6HOHFW
WKHRSHUDWLRQ\RXZDQWWRSHUIRUPRQWKHVHOHFWHGWH[W1RWHWKHVWDQGDUG
VKRUWFXWV
&XW  0(18 ;
&RS\  0(18 &
6HOHFW$OO  0(18 $
 <RXFDQSDVWHWH[WWKDW\RXKDYHFRSLHGWRWKHGHYLFHFOLSERDUGWRDQ\RWKHU
WH[WER[LQDQ\DSSOLFDWLRQ6LPSO\SRVLWLRQ\RXUFXUVRUZKHUH\RXZDQWWR
SDVWHWKHWH[WWKHQXVHWKH3DVWHVKRUWFXW0(18 9<RXFDQDOVRRSHQWKH
PHQXDQGVHOHFW(GLW7H[W!3DVWH1RWHWKDWWKHGHYLFHFOLSERDUGRQO\VWRUHV
RQHVHWRIFRSLHGRUFXWWH[WDWDWLPH
 ,I\RXPDNHDWH[WHGLWDQGZDQWWRXQGRLWVLPSO\SUHVV0(18 =7RUHGRDQ
XQGRSUHVV0(18 6KLIW=
$XWR7H[W
8VHWKH$XWR7H[WIHDWXUHWRW\SHWH[WTXLFNO\DQGDFFXUDWHO\
3UHVV-803 WRJRWRWKH-XPSVFUHHQ3UHVV0(18 WRRSHQWKHPHQXWKHQ
VHOHFW6HWWLQJV!$XWR7H[W7KH$XWR7H[WVFUHHQDSSHDUV
 7KHVFUHHQRIIHUVDXWRPDWLFIRUPDWWLQJDQGZRUGUHSODFHPHQWRSWLRQV\RXFDQ
VHOHFW2SHQWKHPHQXWRGLVFDUGRUFUHDWHUXOHV
 7KH'HYLFH,QWHUIDFH
7KH'HYLFH,QWHUIDFH 
7\SH6SHFLDO8QLFRGH&KDUDFWHUV
7RW\SHVSHFLDO8QLFRGHFKDUDFWHUVLQDQ\WH[WER[SUHVVWKH6<0NH\7KH6SHFLDO
&KDUDFWHUVHOHFWRURSHQVGLVSOD\LQJVSHFLDOFKDUDFWHUVDOSKDEHWLFDOO\
8VHWKH'SDGRUWUDFNEDOOWRQDYLJDWHWKURXJKWKHOLVWOHIWULJKWWRIOLSWKURXJKWKH
)DYRULWHV5HFHQWDOSKDEHWDQGV\PEROVHWVXSGRZQWRVHOHFWVSHFLILFFKDUDFWHUV
3UHVVWKHWUDFNEDOOWRLQVHUWDKLJKOLJKWHGFKDUDFWHU+HUHDUHVRPHXVHIXOWLSVLQ
XVLQJWKH6SHFLDO&KDUDFWHUVHOHFWRU
:LWKWKHVHOHFWRURSHQ\RXFDQVKRZWKHVDPHFKDUDFWHUVFDSLWDOL]HGE\
SUHVVLQJ6KLIWWKHFKDUDFWHUOLNH´Dµ7RJJOHEDFNWRORZHUFDVHE\SUHVVLQJ
WKHOHWWHUDJDLQ
 7RVHHDOOVSHFLDOFKDUDFWHUVVHOHFW$OODWWKHERWWRPRIWKHVHOHFWRURUXVHWKH
PHQXVKRUWFXW0(18 $DQGWKHJULGH[SDQGV
 7RRSHQDFKDUDFWHUVHWIRUDVSHFLILFOHWWHUSUHVV6<0WKHOHWWHU
7RW\SHDFKDUDFWHUXVLQJLWV8QLFRGHYDOXHKRYHURYHUDVHOHFWLRQLQWKH
VHOHFWRUIRUWZRVHFRQGVWRVHHFRGHSUHVV6<06SDFHEDUSUHVVWKHNH\V
VLPXOWDQHRXVO\WKHQW\SHWKHFKDUDFWHU8QLFRGHYDOXH
7KH'HVNWRS,QWHUIDFH
7KHGDWD\RXVWRUHLQ\RXUGHYLFH·V(PDLO7R'R&DOHQGDU$GGUHVV%RRN1RWHV
DQG&DPHUDDSSOLFDWLRQVDUHDOVRDYDLODEOHIRUYLHZLQJRUHGLWLQJRQWKH:HEIURP
DQ\FRPSXWHUFRQQHFWHGWRWKH,QWHUQHW,QIRUPDWLRQLQ\RXUDFFRXQWLVVWRUHGRQ
VHUYHUVLQDGDWDFHQWHUZLWKHQKDQFHGVHFXULW\DQGILUHZDOOIHDWXUHV
7RUHDFKWKH'HVNWRS,QWHUIDFHXVHWKH:HEQDYLJDWLRQDQGVLJQLQLQVWUXFWLRQV
SURYLGHGLQWKH6WDUW*XLGHLQFOXGHGLQWKHER[
2QFH\RX·YHVLJQHGLQ\RXU-XPSSDJHZLOORSHQ8VHWKH-XPSSDJHQDYLJDWLRQ
EXWWRQVWRRSHQWKHYDULRXVDSSOLFDWLRQV
 2SHQWKHRQOLQH+HOSSDJHE\FOLFNLQJWKH+HOSOLQN
 ,PSRUWH[LVWLQJFRQWDFWVIURPWKH$GGUHVV%RRN!,PSRUWSDJHLPSRUWH[LVWLQJ
&DOHQGDUHYHQWVIURPWKH&DOHQGDU!,PSRUWSDJH
 6\QFKURQL]H\RXUKLSWRS$GGUHVV%RRN&DOHQGDUDQG7R'RLWHPVZLWK
0LFURVRIW2XWORRNE\GRZQORDGLQJWKH,QWHOOLV\QFDSSOLFDWLRQFOLFN6HWWLQJV
QH[WWRWKH+HOSOLQNRQWKHWRSEDUWKHQFOLFNWKH6\QFWDEDQGVLPSO\IROORZ
WKHLQVWUXFWLRQV
 &KDQJH\RXUGHIDXOWODQJXDJHRUWLPH]RQHE\FOLFNLQJ6HWWLQJV
 7KH'HVNWRS,QWHUIDFH
7KH'HVNWRS,QWHUIDFH 
'HVNWRS,QWHUIDFH-XPS3DJH
5HPHPEHU:KHQ\RX·YHILQLVKHGXVLQJWKH:HEDSSOLFDWLRQVDOZD\VFOLFNWKH
6LJQ2XWOLQNWRH[LWWKH:HEVLWHVHFXUHO\
8VLQJWKH$SSOLFDWLRQV
7KHQXPEHURIDSSOLFDWLRQVWKDWDSSHDURQ\RXUGHYLFHZLOOYDU\GHSHQGLQJRQ
WKRVHRIIHUHGE\\RXUZLUHOHVVRSHUDWRU
P\)DYHV
$VVLJQXSWRILYHSKRQHQXPEHUVWREHSDUWRI\RXU´P\)DYHVµVHUYLFHSODQ:KHQ
\RXFDOODP\)DYHVFRQWDFWSKRQHQXPEHU\RXDUHQRWFKDUJHGIRUPLQXWHV
&RQWDFW70RELOHWRVLJQXSIRUWKHSODQ
$GGD&RQWDFWWRP\)DYHV
&UHDWHDQHZP\)DYHVFRQWDFWRUDVVLJQDSKRQHQXPEHUDOUHDG\LQ\RXU$GGUHVV
%RRNWR\RXUP\)DYHVSODQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ,IQRWDOUHDG\VHOHFWHGVFUROOWR
KLJKOLJKWP\)DYHVWKHQSUHVVWKHWUDFNEDOOWRJRLQWRWKHDSSOLFDWLRQ
7RDGGDQHZFRQWDFWSUHVV0(18 12QWKHGLDORJER[WKDWRSHQV
FRPSOHWHWKH1LFNQDPHDQGWKH3KRQHQXPEHUILHOGV0DNHVXUH\RXW\SHD
RUGLJLWQXPEHU<RXGRQ·WQHHGWRDGGK\SKHQVRUVSDFHVLQWKHQXPEHU
7RDGGDQXPEHUDOUHDG\LQ\RXU$GGUHVV%RRNSUHVV0(18#5ROOWKH
WUDFNEDOOWRKLJKOLJKWDFRQWDFWDQGSKRQHQXPEHUWKHQSUHVVWKHWUDFNEDOOWR
DVVLJQWKHFRQWDFWWRP\)DYHV
&RQILUP\RXUGHFLVLRQWRDGGWKHFRQWDFWWRP\)DYHVE\VHOHFWLQJ2. 
<RXUQHZFRQWDFWZLOOILUVWDSSHDULQWKHP\)DYHVULQJRIFRQWDFWVZKHQWKH
´SHQGLQJµQRWLFHGLVDSSHDUV\RXFDQFDOORUVHQGPHVVDJHVWRWKLVFRQWDFW
 8VLQJWKH$SSOLFDWLRQV
&DOORU7H[WDP\)DYHV&RQWDFW
3UHVV-803WRJRWRWKH-XPSVFUHHQ,IQRWDOUHDG\VHOHFWHGVFUROOWR
KLJKOLJKWP\)DYHVWKHQSUHVVWKHWUDFNEDOOWRJRLQWRWKHDSSOLFDWLRQ
5ROOWKHWUDFNEDOOWRKLJKOLJKWWKHP\)DYHVFRQWDFW\RXZDQWWRFDOOWKHQ
SUHVV6(1'&$//7RVHQGDWH[WPHVVDJHSUHVV0(18DQGVHOHFW7H[W
,I\RXKDYHVWRUHGDQHPDLODGGUHVVRU,0VFUHHQQDPHIRUWKHKLJKOLJKWHGFRQWDFW
LQWKH$GGUHVV%RRN\RXFDQRSHQDFRPPXQLFDWLRQZLWKWKDWSHUVRQTXLFNO\E\
SUHVVLQJ0(18DQGVHOHFWLQJ(PDLORU,0
$VVLJQDQ,FRQWRDP\)DYHV&RQWDFW
3UHVV-803WRJRWRWKH-XPSVFUHHQ,IQRWDOUHDG\VHOHFWHGVFUROOWR
KLJKOLJKWP\)DYHVWKHQSUHVVWKHWUDFNEDOOWRJRLQWRWKHDSSOLFDWLRQ
5ROOWKHWUDFNEDOOWRKLJKOLJKWWKHP\)DYHVFRQWDFW\RXZDQWWRDVVLJQDQ
LFRQWKHQSUHVV0(18DQGVHOHFW&KDQJH,FRQ7KHLFRQVHOHFWRURSHQV
6HOHFWRQHRIWKHIROGHUVWRYLHZWKHLFRQVZLWKLQWKDWIROGHU7RDVVLJQRQHRI
\RXUSKRWRVRSHQWKH6HOHFWIURP3KRWRVIROGHU
6HOHFWDQLFRQRUSKRWRZLWKWKHWUDFNEDOO,I\RXVHOHFWDSKRWRIURP\RXU
3KRWR$OEXP\RXZLOOEHDEOHWRFURSWKHSKRWRWRWKHSRUWLRQ\RXZDQW
UHSUHVHQWHGLQWKHLFRQ
7KHLFRQZLOODSSHDULQWKH(GLWP\)DYHV&RQWDFWGLDORJER[3UHVV'21( 
WRFRPSOHWHWKHDVVLJQPHQW
8VLQJWKH$SSOLFDWLRQV 
5HSODFHDP\)DYHV3KRQH1XPEHU
5HIHUWRWKHP\)DYHVSODQIRUKRZRIWHQ\RXFDQUHSODFHDQXPEHU
3UHVV-803 WRJRWRWKH-XPSVFUHHQ,IQRWDOUHDG\VHOHFWHGVFUROOWR
KLJKOLJKWP\)DYHVWKHQSUHVVWKHWUDFNEDOOWRJRLQWRWKHDSSOLFDWLRQ
5ROOWKHWUDFNEDOOWRKLJKOLJKWWKHP\)DYHVFRQWDFWQXPEHU\RXZDQWWR
UHSODFHWKHQSUHVV0(18DQGVHOHFWHLWKHU5HSODFHZLWK$QRWKHU1XPEHU
XVLQJWKHVDPHFRQWDFWRU5HSODFHZLWK$QRWKHU&RQWDFW
,I\RXVHOHFW5HSODFHZLWK$QRWKHU&RQWDFWHLWKHUVHOHFWWRDGGD1HZ
P\)DYHV&RQWDFWRU$GGIURP$GGUHVV%RRN5HDGPRUHLQ´$GGD&RQWDFW
WRP\)DYHVµRQSDJH
3KRQH
0DNHD3KRQH&DOO
7\SHWKHQXPEHU\RXZDQWWRFDOOE\XVLQJDQ\RIWKHVHGLDOLQJPHWKRGV
 7RGLDOXVLQJ\RXUOLVWRIVSHHGGLDOVDQGUHFHQWO\GLDOHGQXPEHUV)URP
WKH-XPSRU3KRQHVFUHHQSUHVV6(1'&$// +LJKOLJKWWKHQXPEHUWKHQ
SODFHWKHFDOOE\SUHVVLQJ6(1'&$// 
 7RGLDOZLWKQXPEHUV)URPWKH-XPSVFUHHQRU3KRQHVFUHHQRSHQWKH
GLVSOD\DQGW\SH\RXUQXPEHUXVLQJWKHHPEHGGHGGLDOSDG
RUXVHWKHQXPEHUVRQWKHWRSURZ3UHVV6(1'&$// WR
SODFHWKHFDOO
 7RGLDOXVLQJOHWWHUVVXFKDV/(77(56)LUVWRSHQWKHRQVFUHHQ
GLDOSDGE\VHOHFWLQJWKH EXWWRQRQWKH3KRQHVFUHHQ1RZ\RXFDQ
XVHWKHNH\ERDUGWRW\SHOHWWHUVDQGWKHRQVFUHHQGLDOSDGRUWKHQXPEHU
URZWRW\SHQXPEHUVLQWKLVPRGH\RXFDQ·WXVHWKHHPEHGGHGGLDOSDGWR
W\SHQXPEHUV:KHQUHDG\SUHVV6(1'&$// WRSODFHWKHFDOO7RVZLWFK
EDFNWRXVLQJWKHHPEHGGHGGLDOSDGWRW\SHQXPEHUVVHOHFW 
 8VLQJWKH$SSOLFDWLRQV
 7RGLDOXVLQJDOLVWRIUHFHQWO\GLDOHGQXPEHUV)URPWKH3KRQHVFUHHQ
KLJKOLJKWWKHQVHOHFW ,IWKHQXPEHU\RXZDQWWRFDOOLVRQWKHOLVW
KLJKOLJKWLWZLWKWKHWUDFNEDOOWKHQSUHVV6(1'&$// 7KHFDOOLVSODFHG
 7RGLDOE\ILQGLQJDFRQWDFWDQGSKRQHQXPEHUIURP\RXU$GGUHVV%RRN
)URPWKH3KRQHVFUHHQKLJKOLJKWWKHQVHOHFW 6WDUWW\SLQJD
QDPHWRQDUURZ\RXUVHDUFK+LJKOLJKWDQXPEHUWKHQSUHVV6(1'&$// WR
SODFHWKHFDOO
7RHQG\RXUFDOOVHOHFWWKHRQVFUHHQEXWWRQ RUSUHVV(1'&$//
8VH%OXHWRRWK+DQGV)UHH+HDGVHWRU&DU.LW
<RXFDQXVHD%OXHWRRWKGHYLFHWRPDNHRUUHFHLYHSKRQHFDOOV7RSDLUDQGVHW\RXU
KHDGVHWRUKDQGVIUHHIRUXVHZLWKWKHSKRQHUHDG´%OXHWRRWK+DQGV)UHH+HDGVHW
RU&DU.LWµRQSDJH
$QVZHUD3KRQH&DOO
:KHQ\RXUGHYLFHVLJQDOVDQLQFRPLQJSKRQHFDOOWKHGLVSOD\ZLOOVKRZWKHQDPH
RIWKHFDOOHUDQGWKHLFRQRUSKRWRDVVRFLDWHGZLWKWKDWFDOOHULQ\RXU$GGUHVV%RRN
VHH´$GGD&RQWDFWWRWKH$GGUHVV%RRNµRQSDJH
3UHVVWKHWUDFNEDOOWRVHOHFWWKH$QVZHUEXWWRQRUSUHVV6(1'&$// <RXUFDOO
FRQQHFWV
7RKDQJXSVHOHFW RUSUHVV(1'&$//
,I\RXUHFHLYHDQRWKHUFDOOZKLOH\RX·UHRQWKHSKRQHFDOOZDLWLQJDGLDORJER[ZLOO
DSSHDUJLYLQJ\RXWKHFDOOGHWDLOVDQGRSWLRQVIRUKDQGOLQJWKHLQFRPLQJFDOOVHOHFW
HLWKHU6ZLWFK&DOOVRU,JQRUH
9
8VLQJWKH$SSOLFDWLRQV 
$GGD1XPEHUWR<RXU6SHHG'LDO/LVW
3UHVV-803WRJRWRWKH-XPSVFUHHQWKHQSUHVVWKHWUDFNEDOOWRRSHQWKH
3KRQHDSSOLFDWLRQ
3UHVV0(18 WRRSHQWKHPHQX6HOHFW1HZ6SHHG'LDOWRRSHQWKH1HZ
6SHHG'LDO(QWU\GLDORJER[<RXFDQFUHDWHVSHHGGLDOVKRUWFXWV
6HOHFWD6KRUWFXW.H\IURPWKHSRSXSPHQX2QO\WKHQXPEHUVDYDLODEOHZLOO
DSSHDULQWKHSRSXSPHQX
7\SHWKHVSHHGGLDO1DPHDQG1XPEHUWKHQVHOHFW'21( 
7RGLDOXVLQJWKHVKRUWFXWIURPHLWKHUWKH3KRQHDSSOLFDWLRQRUWKH-XPS
VFUHHQVLPSO\SUHVVDQGKROGWKHQXPEHURQWKHNH\ERDUG
&KHFN<RXU9RLFH0DLO
3UHVV-803WRJRWRWKH-XPSVFUHHQWKHQSUHVVWKHWUDFNEDOOWRRSHQWKH
3KRQHDSSOLFDWLRQ
3UHVVDQGKROGWKHNH\WKHVSHHGGLDOVKRUWFXWDVVLJQHGWRYRLFHPDLOWRFDOO
\RXUYRLFHPDLOER[
)ROORZWKHSURPSWVWRUHWULHYH\RXUPHVVDJHV
 7RKDQJXSVHOHFW RUSUHVV(1'&$//
7RFKHFN\RXUYRLFHPDLOIURPDQRWKHUSKRQHGLDO\RXUPRELOHQXPEHUDQGWKHQ
SUHVVWKHVWDUNH\WRLQWHUUXSWWKHJUHHWLQJ$WWKHSURPSWW\SH\RXUSDVVZRUG
 8VLQJWKH$SSOLFDWLRQV
9
8VLQJWKH$SSOLFDWLRQV 
&KDQJH<RXU3KRQH5LQJWRQH
3UHVV-803WRJRWRWKH-XPSVFUHHQWKHQSUHVVWKHWUDFNEDOOWRRSHQWKH
3KRQHDSSOLFDWLRQ
3UHVV0(18 WRRSHQWKH3KRQHPHQX6HOHFW6HWWLQJV!*HQHUDO
+LJKOLJKWWKH,QFRPLQJSKRQHFDOOULQJSRSXSPHQXWKHQSUHVVWKHWUDFNEDOO
7KHPHQXUHYHDOVWKHULQJWRQHFDWHJRULHV)LUVWKLJKOLJKWDFDWHJRU\WKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHULQJWRQHVVXEPHQX
 $V\RXVFUROOWKURXJKWKHVRQJV\RXFDQSUHYLHZHDFKVRQJE\KRYHULQJRYHULW
IRUDIHZVHFRQGV7RUHFRUG\RXURZQULQJWRQHXSWRVHFRQGVVHOHFWWKH
5HFRUG1HZ5LQJWRQHRSWLRQDQGVWHSWKURXJKWKHUHFRUGLQJGLDORJER[HV
:KHQ\RXKDYHGHFLGHGRQDULQJWRQHSUHVVWKHWUDFNEDOOWRVHOHFWLW3UHVV
'21( WRDVVLJQ\RXUQHZULQJWRQH
$VVLJQFDOOHUVSHFLILFULQJWRQHVIURPWKH$GGUHVV%RRN!&RQWDFW'HWDLOVSDJHV
,PSRUW&RQWDFWVIURP<RXU6,0&DUG
,I\RXDOUHDG\KDYHD6,0FDUGIURP\RXUZLUHOHVVRSHUDWRU\RXFDQLPSRUWWKH
SKRQHQXPEHUV\RXKDYHVWRUHGRQWKH6,0FDUGLQWR\RXUGHYLFH·V$GGUHVV%RRN
)LUVWLQVHUWWKH6,0FDUGZLWKWKHFRQWDFWVLQWR\RXUGHYLFHWKHQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW$GGUHVV%RRNWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 3UHVV0(18 WRRSHQWKHPHQX6HOHFW6HWWLQJV!,PSRUW6,0&RQWDFWV
7KH6,0,PSRUWGLDORJZLOODOHUW\RXZKHQWKHLPSRUWLVFRPSOHWH
9
7H[W0HVVDJLQJ
6HQGD7H[W0HVVDJH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3KRQH0HVVDJLQJ
WKHQSUHVVWKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW
7H[W0HVVDJLQJWKHQSUHVVWKHWUDFNEDOO
 3UHVV0(18 WRRSHQWKHPHQX1HZ0HVVDJHLVVHOHFWHGE\GHIDXOWSUHVV
WKHWUDFNEDOOWRRSHQWKH&RPSRVHVFUHHQ
 $GGUHVV\RXUPHVVDJHXVLQJWKHUHFLSLHQW·VSKRQHQXPEHURUVWDUWW\SLQJ
WKHLUQDPHWREULQJXS$GGUHVV%RRNPDWFKHV$GGPRUHUHFLSLHQWVE\W\SLQJD
FRPPDRUVHPLFRORQLQWKH7RILHOG
 8VHWKHWUDFNEDOOWRVFUROOWRWKHPHVVDJHERG\W\SH\RXUPHVVDJHRUXVH
RQHRIWKH3UHZULWWHQ0HVVDJHVE\VHOHFWLQJWKH EXWWRQ$GG6PLOH\V
E\VHOHFWLQJWKH EXWWRQ7RDWWDFKDY&DUGSUHVV0(18 DQGVHOHFW
$WWDFKY&DUG6HOHFWDFRQWDFWIURPWKHOLVWWKDWDSSHDUVWRDWWDFKLWWR\RXUWH[W
PHVVDJH
 ,I\RXUPHVVDJHLVODUJHUWKDQWKHOLPLWIRUDVLQJOHWH[WPHVVDJHDSSUR[LPDWHO\
FKDUDFWHUVWKHPHVVDJHZLOOEHVHQWLQSDUWV:KHQUHFHLYHGLWZLOO
DSSHDUDVRQHPHVVDJH
 :KHQUHDG\WRVHQGHLWKHUVHOHFWWKH6HQGEXWWRQDWWKHERWWRPRIWKH
&RPSRVHVFUHHQRUSUHVV0(18 0
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
:HE%URZVHU
%URZVHWKH:HE
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW:HE%URZVHUWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 6WDUWW\SLQJWKHDGGUHVVRIWKH:HESDJH\RXZLVKWRYLVLW7KH*R7RGLDORJ
ER[RSHQVDXWRPDWLFDOO\VKRZLQJWKHDGGUHVV\RXDUHW\SLQJ
 7KHFKDUDFWHUV\RXW\SHDSSHDULQWKHWRSILHOGRIWKH*R7RGLDORJER[
3RVVLEOH85/PDWFKHVDQGWKHRSWLRQWRVHDUFKIRUWKHWH[W\RXW\SHDSSHDULQ
WKHGURSGRZQPHQX
 7RJRWRD:HESDJH\RXFDQHLWKHUILQLVKW\SLQJWKHFRPSOHWH85/LQWKH*R
7RGLDORJER[WKHQSUHVV5HWXUQRUUROOWKHWUDFNEDOOWRKLJKOLJKWDVXJJHVWHG
85/LQWKHGURSGRZQPHQXWKHQSUHVVWKHWUDFNEDOO
7RRSHQ:HESDJHVIDVWHUSUHVV0(18 DQGVHOHFW6HWWLQJV6FUROOGRZQWKH
6HWWLQJVVFUHHQDQGFOHDUWKH´6KRZSLFWXUHVµFKHFNER[
%RRNPDUND:HE3DJH
2SHQWKH:HESDJH\RXZDQWWRERRNPDUN
 3UHVV0(18 1WRRSHQWKH$GG%RRNPDUNGLDORJER[
 (GLWWKHERRNPDUNQDPHLI\RXZLVKYHULI\WKH85/DQGVHOHFWDIROGHULQZKLFK
WRVWRUHWKHERRNPDUNIURPWKH)ROGHUSRSXSPHQX,I\RXVHOHFW1HZ)ROGHU
\RX·OOEHSURPSWHGWRJLYHWKHIROGHUDQDPH
 3UHVV'21(WRVDYHWKHERRNPDUN
9
(PDLO
6HQGDQ(PDLO0HVVDJH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW(PDLOWKHQSUHVVWKH
WUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 3UHVV0(18 WRRSHQWKHPHQX1HZ0HVVDJHLVVHOHFWHGE\GHIDXOWSUHVV
WKHWUDFNEDOOWRJRWRWKH&RPSRVHVFUHHQ
 7KHWH[WFXUVRULVLQWKH7RILHOGW\SHWKHQDPHRUHPDLODGGUHVVRIWKHSHUVRQ
WRZKRP\RXZLVKWRVHQGDQHPDLO,I\RXW\SHDQDPHWKH$GGUHVV%RRNZLOO
WU\WRSXOOWKHFRUUHFWHPDLODGGUHVVIURP\RXUFRQWDFWGDWD$GGPRUH7RILHOGV
E\W\SLQJDFRPPDRUVHPLFRORQ
 6FUROOWRWKH6XEMHFWILHOGDQGW\SHWKHVXEMHFWRI\RXUHPDLO
 6FUROOWRWKHPHVVDJHERG\DQGW\SH\RXUPHVVDJH
7RGHOHWHWH[WLQWKHIRUZDUGGLUHFWLRQSUHVVWKH6+,)7'(/NH\VWRJHWKHU
7RGHOHWHWKHFXUUHQWOLQHRIWH[WSUHVVWKH$/7'(/NH\VWRJHWKHU
:KHQUHDG\WRVHQGHLWKHUVHOHFWWKH6HQGEXWWRQDWWKHERWWRPRIWKH
&RPSRVHVFUHHQRUSUHVV0(18 0
)HWFK(PDLOIURP([WHUQDO$FFRXQWV
:KHQ\RXUHJLVWHU\RXUGHYLFHDFFRXQW\RXDXWRPDWLFDOO\UHFHLYHDQHPDLODFFRXQW
WKDW\RXFDQXVHLPPHGLDWHO\RQHLWKHU\RXUGHYLFHRUWKH(PDLODSSOLFDWLRQRQWKH
'HVNWRS,QWHUIDFH,QDGGLWLRQ\RXFDQIHWFKHPDLOIURPXSWRWKUHHH[WHUQDO323
RU,0$3HPDLODFFRXQWV
$WWKLVWLPHHPDLOIURP061+RWPDLODQGHPDLOVHUYHUVWKDWDUHSURWHFWHGE\D
ILUHZDOOGRQRWDOORZHPDLOWREHIHWFKHGE\RWKHUVHUYHUV<RXFDQKRZHYHUFKHFN
VRPH,QWHUQHWHPDLODFFRXQWVE\XVLQJWKH:HE%URZVHUDVGHVFULEHGLQ´)HWFK
(PDLO8VLQJ<RXU'HYLFH·V:HE%URZVHUµRQSDJH
 8VLQJWKH$SSOLFDWLRQV
9
8VLQJWKH$SSOLFDWLRQV 
7KHLQVWUXFWLRQVEHORZH[SODLQKRZWRXVH\RXUGHYLFHWRIHWFKHPDLOIURPH[WHUQDO
DFFRXQWV1RWHWKDW\RXFDQDOVRVHWXSDFFRXQWVIURPWKH(PDLODSSOLFDWLRQRQWKH
'HVNWRS,QWHUIDFH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW(PDLOWKHQSUHVVWKH
WUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 3UHVV0(18 WKHQVHOHFW6HWWLQJV!$FFRXQWVWRRSHQWKH$FFRXQWVVFUHHQ
 2QWKH$FFRXQWVVFUHHQSUHVV0(18 WKHQVHOHFW1HZ$FFRXQWWRRSHQWKH
1HZ$FFRXQWVFUHHQ
 7\SH\RXUHPDLODFFRXQWLQIRUPDWLRQLQWKHILHOGVRQWKLV1HZ$FFRXQWVFUHHQ
5HDGWKHVHFWLRQVEHORZIRUPRUHGHWDLOVRQHDFKILHOG
3URWRFROSRSXSPHQX6HOHFWWKHSURWRFRO\RXUPDLOVHUYHUXVHVRUWKHW\SH
RIDFFRXQWIURPWKLVSRSXSPHQX6HOHFW$XWR'HWHFWLI\RXGRQ·WNQRZZKLFK
RQHWRSLFN1RWHWKDWLI\RXVHOHFWDVSHFLILFDFFRXQWW\SHWKHQWKHQH[WWZR
ILHOGVPDLOVHUYHUQDPHDQGSRUWYDOXHZLOOILOOLQDXWRPDWLFDOO\
0DLO6HUYHUILHOG,IWKHPDLOVHUYHUQDPHLVQRWSURYLGHGDXWRPDWLFDOO\DIWHU
\RXKDYHVHOHFWHGWKHDFFRXQWSURWRFROWKHQ\RXPXVWSURYLGHWKHQDPHRIWKH
PDLOVHUYHULQWKLVILHOG0DQ\SHRSOHGRQ·WNQRZWKHQDPHRIWKHLUPDLOVHUYHU
,I\RXGRQ·WNQRZ\RXUV\RXUHPDLOSURYLGHUZLOOEHDEOHWRWHOO\RXRU\RXFDQ
UHIHUWRWKHIROORZLQJWDEOHIRUVDPSOHV
6RPHSRSXODU:HEEDVHGHPDLOSURYLGHUVDQGWKHLU0DLO6HUYHUQDPHVDUHSURYLGHG
EHORZIRU\RXUFRQYHQLHQFH,I\RXKDYHDQHPDLODFFRXQWWKURXJK\RXU,63FRQWDFW
WKHPIRUDVVLVWDQFH1RWHWKDWVRPH,63VLQFOXGLQJ<DKRRUHTXLUHDGGLWLRQDO
FRQILJXUDWLRQRUFKDUJHDIHHWRGRZQORDGHPDLO
:HE(PDLO3URYLGHU 0DLO6HUYHU1DPH
<DKRR0DLO   SRSPDLO\DKRRFRP  
0DLOFRP   SRSPDLOFRP
6RIWKRPHQHW   PDLO6RIW+RPHQHW
*PDLO    SRSJPDLOFRP
3RUWILHOG8QOHVV\RXUHPDLOSURYLGHUKDVVSHFLILHGRWKHUZLVHGRQRWDOWHU
WKLVYDOXH1RWHWKDWLI\RXKDYHVHOHFWHGDVSHFLILFDFFRXQWW\SHIURPWKH7\SH
SRSXSPHQXWKHFRUUHFWSRUWYDOXHZLOOEHVXSSOLHGDXWRPDWLFDOO\
8VHUQDPHDQG3DVVZRUGILHOGV7\SH\RXUHPDLODFFRXQWXVHUQDPHDQG
SDVVZRUG
(PDLO)ROGHUSRSXSPHQX6HOHFWWKHIROGHUWRZKLFK\RXZDQW\RXUDFFRXQW
HPDLOGHOLYHUHG7RFUHDWHDIROGHUVHOHFW1HZ)ROGHU
:KHQ\RX·YHFRPSOHWHGDOOWKHILHOGVRQWKHVFUHHQVHOHFWWKH0RUH2SWLRQV
EXWWRQDWWKHERWWRPRIWKHVFUHHQ
 8VLQJWKH$SSOLFDWLRQV
9
8VLQJWKH$SSOLFDWLRQV 
,QWKH*HQHUDOJURXSER[WKH&ROOHFWHPDLOIURPWKLVDFFRXQWFKHFNER[LV
VHOHFWHGE\GHIDXOW,IDWDQ\WLPH\RXZDQWWRVWRSIHWFKLQJPHVVDJHVIURPWKLV
DFFRXQWVLPSO\FOHDUWKLVFKHFNER[
,I\RXZDQWWR5HPRYHUHWULHYHGHPDLOIURPVHUYHUDIWHULWLVIHWFKHGWR\RXU
GHYLFHVHOHFWWKLVFKHFNER[
6FUROOWRWKHERWWRPRIWKHVFUHHQSDVWWKHDFFRXQWLQIRUPDWLRQ\RXKDYH
DOUHDG\SURYLGHGWRWKH)URP1DPHILHOG
,I\RXOHDYHWKHVHILHOGVEODQN\RXUGHIDXOW323RU,0$3DFFRXQWQDPHDQG
DGGUHVVZLOOEHXVHG6SHFLI\DOWHUQDWLYHQDPHVRUDGGUHVVHVLQWKHVHILHOGVDV
\RXZLVK
6HOHFWWKH&RS\2XWJRLQJ0HVVDJHVFKHFNER[WRKDYHHYHU\PHVVDJHVHQW
IURPWKLVDFFRXQWFRSLHGWRDQRWKHUHPDLODGGUHVV6SHFLI\HLWKHU&&RU%&&
IURPWKHSRSXSPHQXWKHQW\SHWKHHPDLODGGUHVVLQWKHILHOG
 6DYH\RXULQIRUPDWLRQE\VHOHFWLQJ&UHDWHRUVLPSO\SUHVV'21( 
 :DLWXQWLO\RXUHFHLYHDFRQILUPDWLRQPHVVDJHRQWKH(PDLO$FFRXQWVVFUHHQ
EHIRUHDWWHPSWLQJWRVHQGPHVVDJHVIURPWKLVHPDLODFFRXQW
)HWFK(PDLO8VLQJ<RXU'HYLFH·V:HE%URZVHU
,IWKHUHLVD:HELQWHUIDFHWR\RXUHPDLODFFRXQW\RXFDQXVH\RXUGHYLFH·V:HE
%URZVHUDSSOLFDWLRQWRVLJQLQWRWKRVHDFFRXQWVDQGFKHFN\RXUHPDLO$FRXSOH
SRSXODUHPDLO:HEVLWHVDUHOLVWHGEHORZ
 <DKRR0DLO ²KWWSPRELOH\DKRRFRPKRPH
 061+RWPDLO²KWWSPRELOHPVQFRPKPIROGHUDVS[
3UHVV0(18 .WRRSHQWKH%RRNPDUNVVFUHHQVRPHVLWHVPD\KDYHEHHQ
ERRNPDUNHGIRU\RX7RJRGLUHFWO\WRDQHPDLO:HEVLWHGRWKHIROORZLQJ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW:HE%URZVHUWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 %HJLQW\SLQJWKH85/IRU\RXU,QWHUQHWHPDLODFFRXQW<RXUHQWU\ZLOOEH
LQVHUWHGLQWKH*R7RGLDORJER[DXWRPDWLFDOO\
 3UHVVWKHWUDFNEDOOWRJRWRWKH:HEVLWH·VVLJQLQSDJH
$WWDFKD3KRWRWRDQ(PDLO0HVVDJH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW(PDLOWKHQSUHVVWKH
WUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 3UHVV0(18 1WRRSHQWKH&RPSRVHVFUHHQ&RPSOHWHWKH7R6XEMHFWDQG
0HVVDJHILHOGV
3UHVV WRRSHQ\RXUSKRWRDOEXPV5ROOWKHWUDFNEDOOWRKLJKOLJKWWKHQSUHVV
WRVHOHFWDSKRWRWRVHQG<RXFDQVHOHFWPXOWLSOHSKRWRV$OOVHOHFWHGSKRWRV
ZLOOKDYHFKHFNPDUNV
 :KHQ\RX·YHILQLVKHGVHOHFWLQJSKRWRVRSHQWKHPHQXDQGVHOHFW8VH
&KHFNHGRUSUHVV'21( 
 <RXUHPDLOPHVVDJHUHWXUQVWRWKHVFUHHQLQFOXGLQJDWWDFKHGSKRWRV6HOHFW
WKH6HQGEXWWRQRUSUHVV0(18 0ZKHQ\RX·UHUHDG\
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
$GGUHVV%RRN
$GGD&RQWDFWWRWKH$GGUHVV%RRN
<RXFDQVWRUHXSWRFRQWDFWVLQ\RXU$GGUHVV%RRN
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW$GGUHVV%RRNWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
3UHVV0(18 WRRSHQWKHPHQX1HZ&RQWDFWLVVHOHFWHGE\GHIDXOWSUHVVWKH
WUDFNEDOOWRJRWRWKH1HZ&RQWDFW,GHQWLW\VFUHHQ
7RFUHDWHDFRQWDFW\RXRQO\QHHGWRW\SHEDVLF´LGHQWLW\µLQIRUPDWLRQD
)LUVWRU/DVWQDPH2QWKLVVFUHHQ\RXFDQDOVRSURYLGHD0LGGOHQDPHDQGD
1LFNQDPHDVZHOODVVHOHFWDQLFRQ
 7RVHOHFWDQLFRQUROOWKHWUDFNEDOOXSWRKLJKOLJKW WKHQSUHVVWKHWUDFNEDOO
WRRSHQWKHLFRQVHOHFWRU5ROOWKHWUDFNEDOOWRKLJKOLJKWWKHLFRQ\RXZDQWWKHQ
SUHVVWKHWUDFNEDOOWRVHOHFWLW
7RDVVLJQD3KRWR&DOOHU,'LFRQVHOHFW IURPWKHLFRQVHOHFWRUZKLFKZLOO
RSHQWKH%URZVH3KRWR$OEXPVVFUHHQ7KHQIURPWKLVVFUHHQ
 7RVHOHFWDSKRWRDOUHDG\LQDQDOEXPUROOWKHWUDFNEDOOWRKLJKOLJKWWKHSKRWR
\RXZDQWWRDVVRFLDWHZLWKWKHFRQWDFWWKHQSUHVVWKHWUDFNEDOOWRVHOHFWLWD
FKHFNPDUNZLOODSSHDUXQGHUWKHSKRWR3UHVV'21( 
 7RFDSWXUHDQHZSKRWRSUHVV &RPSRVH\RXUSKRWRSUHVV WRFDSWXUH
WKHQ'21( WRVDYHLW3UHVV'21( DJDLQWRYLHZWKHDOEXPFRQWHQWV
6HOHFWWKHSKRWRDFKHFNPDUNZLOODSSHDUXQGHUWKHSKRWR
3UHVV'21(
$VPDOOHUYHUVLRQRIWKHSKRWRQRZDSSHDUVRQWKH,GHQWLW\VFUHHQDQGZLOOEH
XVHGWRLGHQWLI\WKDWFRQWDFWRQLQFRPLQJFDOOQRWLILFDWLRQV
 :KHQILQLVKHGZLWKWKH,GHQWLW\VFUHHQVHOHFW'21( <RXDGYDQFHWRWKH
QH[W1HZ&RQWDFWVFUHHQLQZKLFK\RXFDQW\SHRUVHOHFWDGGLWLRQDOFRQWDFW
LQIRUPDWLRQ
 6FUROOWKURXJKWKH1HZ&RQWDFWILHOGV3HUVRQDO,QIR3KRQH(PDLODQGVR
RQVHOHFWLQJ$GGRU(GLWWRRSHQVFUHHQVLQZKLFK\RXFDQDGGFRQWDFW
LQIRUPDWLRQ<RXFDQVHWDFXVWRPULQJWRQHIRU\RXUFRQWDFWLQWKH3KRQH
QXPEHUVFUHHQ
 :KHQILQLVKHGSUHVV'21(WRVDYH\RXUQHZFRQWDFWLQIRUPDWLRQ
,PSRUW$GGUHVV%RRN&RQWDFWV
,I\RXKDYHD6,0FDUGIURP\RXUZLUHOHVVRSHUDWRUZLWKFRQWDFWLQIRUPDWLRQVWRUHG
RQLW\RXFDQLPSRUWWKDWLQIRUPDWLRQWR\RXUGHYLFHE\IROORZLQJWKHLQVWUXFWLRQVLQ
´,PSRUW&RQWDFWVIURP<RXU6,0&DUGµRQSDJHRIWKLVJXLGH
,I\RXKDYHH[LVWLQJFRQWDFWLQIRUPDWLRQVWRUHGLQD3HUVRQDO,QIRUPDWLRQ
0DQDJHPHQW3,0DSSOLFDWLRQ\RXFDQLPSRUWWKDWGDWDWR\RXU$GGUHVV%RRNRQ
WKHGHYLFHDQG:HE7RGRWKLVILUVWJRWR\RXU$GGUHVV%RRNRQWKH:HE
*RWR\RXUGHVNWRSRUODSWRSFRPSXWHUDQGVLJQLQWRWKH'HVNWRS,QWHUIDFHE\
IROORZLQJWKHLQVWUXFWLRQVRQWKHEDFNRI\RXU6WDUW*XLGH
 <RXU-XPSSDJHRSHQV
 )URP\RXU-XPSSDJHFOLFN$GGUHVV%RRN7KH$GGUHVV%RRNDSSOLFDWLRQ
GLVSOD\V
 &OLFN,PSRUWLQWKHVLGHEDU7KH,PSRUWSDJHRSHQV
 7KH,PSRUWSDJHLQFOXGHVVWHSE\VWHSLQVWUXFWLRQVIRUFRPSOHWLQJWKHLPSRUW
SURFHVV7KHIROORZLQJILOHW\SHVH[SRUWHGIRUPDWVFDQEHLPSRUWHG
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
 0LFURVRIW2XWORRNIRU3&W[WILOH
 0LFURVRIW2XWORRN([SUHVVIRU0DFW[WILOH
 0LFURVRIW(QWRXUDJHIRU0DFW[WILOH
 3DOP'HVNWRSIRU3&W[WWDEILOH
 3DOP'HVNWRSIRU0DFW[WWDEILOH
$IWHU\RXFOLFNWKH,PSRUWEXWWRQ\RXUFRQWDFWVDUHLPSRUWHGWR\RXU:HE
$GGUHVV%RRNWKHQVHQWWR\RXUGHYLFHYLDWKHQHWZRUN0DNHVXUH\RXUGHYLFH
KDVDZLUHOHVVFRQQHFWLRQWKHQDIWHUWRPLQXWHVFKHFN\RXUGHYLFHWR
FRQILUPWKDW\RXUQHZFRQWDFWVKDYHDUULYHG
6HWDQG6HQG´0\Y&DUGµ
<RXFDQVHWRQHRI\RXUFRQWDFWVWREH´\RXµVRWKDW\RXFDQVHQG´0\Y&DUGµWR
RWKHUVHDVLO\
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW$GGUHVV%RRNWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
6FUROOWRKLJKOLJKWWKHFRQWDFW\RXZDQWWRVHWDV´\RXµWKHQSUHVV
0(18 DQGVHOHFW6HWDV0\Y&DUG2QWKH%URZVH&RQWDFWVVFUHHQ\RXZLOO
QRZVHHD LFRQQH[WWR\RXUQDPH
7RVHQG\RXUY&DUGIURPWKH%URZVH&RQWDFWVVFUHHQSUHVV0(18 DQGVHOHFW
6HQG0\Y&DUG!YLD(PDLO0(180RU7H[WRU%OXHWRRWK0(18<)RU
(PDLODQG7H[WDFRPSRVHVFUHHQRSHQV)RU%OXHWRRWKDGLDORJRSHQVWKDW
DOORZV\RXWRVHOHFWWKHUHFHLYLQJGHYLFH
7RFKDQJHRUUHPRYHWKH´0\Y&DUGµVHWWLQJILUVWSUHVV0(18 DQGVHOHFW
&OHDU0\Y&DUG7RVHWDGLIIHUHQWFRQWDFWDV´0\Y&DUGµKLJKOLJKWWKHFRQWDFW
WKHQSUHVV0(18 DQGVHOHFW6HWDV0\Y&DUG
6HQGDQ\&RQWDFW·VY&DUG
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW$GGUHVV%RRNWKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 6FUROOWRKLJKOLJKWWKHFRQWDFWZKRVHY&DUG\RXZDQWWRVHQGWKHQSUHVV
0(18 DQGVHOHFW&RQWDFW!6HQG&RQWDFW!YLD(PDLORU7H[WRU%OXHWRRWK
)RU(PDLODQG7H[WDFRPSRVHVFUHHQRSHQV)RU%OXHWRRWKDGLDORJRSHQV
WKDWDOORZV\RXWRVHOHFWWKHUHFHLYLQJGHYLFH
&DOHQGDU
$GGDQ(YHQWWR&DOHQGDU
<RXFDQFUHDWHDQGVWRUHXSWRHYHQWVLQ&DOHQGDU
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3ODQQLQJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW&DOHQGDU
WKHQSUHVVWKHWUDFNEDOO
 3UHVV0(18 WRRSHQWKHPHQX1HZ(YHQWLVVHOHFWHGE\GHIDXOW
 3UHVVWKHWUDFNEDOOWRJRWRWKH(YHQW'HWDLOVVFUHHQ
 1DPH\RXUHYHQWW\SHDORFDWLRQDVVLJQDGXUDWLRQDGGUHSHWLWLRQV
UHPLQGHUVDQGQRWHVDVDSSOLFDEOH
 3UHVV'21(WRVDYHWKHHYHQW,WZLOOQRZDSSHDURQ\RXU8SFRPLQJLILW·V
VFKHGXOHGZLWKLQWKHQH[WILYHGD\V'DLO\:HHNRU0RQWKYLHZV
 7RYLHZ\RXUVFKHGXOHVHOHFWRQHRIWKH´9LHZVµIURPWKHPHQX8SFRPLQJ
QH[WILYHGD\V'D\:HHN0RQWK<HDURU7UDVK
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
1RWHV
&UHDWHD1RWH
<RXFDQFUHDWHDQGVWRUHXSWRQRWHV(DFKQRWHFDQEHXSWRFKDUDFWHUV
ZKLFKLVDERXWIRXUSDJHVLQDSDSHUEDFN
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3ODQQLQJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW1RWHV
WKHQSUHVVWKHWUDFNEDOO
 3UHVV0(18 WRRSHQWKHPHQX1HZ1RWHLVVHOHFWHGE\GHIDXOW
 3UHVVWKHWUDFNEDOOWRRSHQDEODQNQRWH7\SH\RXUQRWHLWLVVDYHGDVVRRQDV
\RXW\SHLW
 3UHVVWKHWUDFNEDOOWRIROG\RXUQRWHSUHVVDJDLQWRXQIROG1RWHVPXVWEH
XQIROGHGEHIRUH\RXFDQHGLWWKHP
6HQGD1RWH
<RXFDQVHQGRQHRI\RXUQRWHVYLD(PDLO
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3ODQQLQJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW1RWHV
WKHQSUHVVWKHWUDFNEDOO
 &UHDWHDQHZQRWHRUKLJKOLJKWDQH[LVWLQJQRWH
 3UHVV0(18 DQGVHOHFW6HQG1RWHRUSUHVV0(18 0$FRPSRVHVFUHHQ
RSHQVFRPSOHWHWKHPHVVDJHDQG6HQG
7R'R
$GGD7DVN
<RXFDQFUHDWHDQGVWRUHXSWR7R'RWDVNV
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3ODQQLQJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW7R'R
WKHQSUHVVWKHWUDFNEDOO
 3UHVV0(18 WRRSHQWKHPHQX1HZ7DVNLVVHOHFWHGE\GHIDXOW
 3UHVVWKHWUDFNEDOOWRRSHQDEODQNWDVNVFUHHQ
 )LOOLQ\RXUWDVNLQIRUPDWLRQ
 3UHVV'21(WRVDYHWKHWDVN
&DPHUD
<RXUGHYLFHFRPHVZLWKDEXLOWLQPHJDSL[HOFDPHUD<RXFDQVWRUHXSWR
0%RISKRWRVRQ\RXUGHYLFH·VLQWHUQDOPHPRU\DQGPRUHRQ\RXUPLQL6'
FDUG7KHQXPEHU\RXFDQVWRUHZLOOGHSHQGRQWKHFDSDFLW\RIWKHFDUGDQGWKH
VL]HRIWKHSKRWR6PDOO0HGLXPRU/DUJH5HPHPEHUWKDW\RXPLJKWEHVKDULQJ
WKHFDUG·VFDSDFLW\ZLWKVRXQGILOHVDVZHOO
7DNHD3KRWR
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW&DPHUDWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 3UHVV0(18 DQGVHOHFW&DSWXUH1HZRUVLPSO\SUHVVWKHULJKWVKRXOGHU
EXWWRQ 7KHVFUHHQQRZDFWVDVWKH´YLHZILQGHUµ
 7RVHWWKHSKRWRVL]HSUHVV0(18 DQGVHOHFW/DUJH[0HGLXP
[RU6PDOO[
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
7RVHWWKHH[SRVXUHRIWKHLPDJH\RXFDSWXUHRSHQWKH SRSXSPHQX
:KHQILQLVKHGSUHVV'21( WRVDYH
 %\GHIDXOWWKHSKRWRZLOOEHVDYHGWRWKH0HPRU\&DUG$OEXP7RVDYHWR\RXU
GHYLFHSUHVV0(18 DQGVHOHFW&DSWXUHWR)URPWKHVXEPHQXVHOHFW'HYLFH
$OEXPRUDQRWKHUDOEXP\RXFUHDWHGRQWKHPHPRU\FDUG
7RWDNHDSKRWRRI\RXUVHOIFHQWHU\RXULPDJHLQWKHVPDOOPLUURURQWKHEDFNRI
WKHGHYLFHDQGSUHVVWKHULJKWVKRXOGHUEXWWRQ WRFDSWXUH5HPHPEHUWKH´ULJKW
VKRXOGHUEXWWRQµZLOOEHRQ\RXUOHIWDV\RX·UHORRNLQJDWWKHEDFNRIWKHGHYLFH
:KHQ\RX·UHUHDG\WRWDNH\RXUSKRWRSUHVVWKHULJKWVKRXOGHUEXWWRQ RUXVH
WKHWUDFNEDOOWRVHOHFWWKHFDSWXUHLFRQ RQWKHVFUHHQ
 7KHSKRWRSUHYLHZDSSHDUVRQWKHGLVSOD\<RXFDQ
 3UHVV&$1&(/ WRGLVFDUGLW
 3UHVV'21( WRVDYHLWWRWKHDOEXP\RX·YHVHOHFWHGRU
 6HOHFW WRVHQGLWYLDDQ(PDLORU0XOWLPHGLDPHVVDJH
7RUHWXUQWRWKH%URZVH$OEXPVVFUHHQVHOHFW RUSUHVV'21(
6HQG3KRWRVE\(PDLORU0XOWLPHGLD0HVVDJH
,QDGGLWLRQWREHLQJDEOHWRVHQGDSKRWRDIWHUFDSWXUHUHDG´7DNHD3KRWRµVWHS
DERYH\RXFDQDWWDFKRQHRUPRUHSKRWRVLQ\RXU3KRWR$OEXPVWRHLWKHUDQHPDLO
PHVVDJHRUDPXOWLPHGLDPHVVDJHZKLOHFRPSRVLQJ)RULQVWUXFWLRQVUHDG´$WWDFK
D3KRWRWRDQ(PDLO0HVVDJHµRQSDJHDQG´6HQGD0XOWLPHGLD0HVVDJHµRQ
SDJH
7RVHOHFWDOOSKRWRVLQDQDOEXPRSHQRUKLJKOLJKWWKHDOEXPWKHQSUHVV
0(18 DQGVHOHFW(GLW!&KHFN$OOLQ$OEXPRUSUHVV0(18 $7RXQFKHFN
VHOHFW(GLW!8QFKHFN$OORUSUHVV0(18 8
9
9
 8VLQJWKH$SSOLFDWLRQV
8VH3KRWRIRU&DOOHU,'RU.H\*XDUG%DFNJURXQG
<RXFDQDVVLJQWKHSKRWRV\RX·YHVDYHGLQRQHRI\RXUSKRWRDOEXPVDVD&DOOHU,'
RUDNH\JXDUGEDFNJURXQGLPDJH
7RDVVLJQDSKRWRDVD&DOOHU,'
)ROORZWKHLQVWUXFWLRQVLQ´$GGD&RQWDFWWRWKH$GGUHVV%RRNµVWHSRQSDJH
7RDVVLJQDSKRWRDVDNH\JXDUGEDFNJURXQGLPDJH
3UHVV-803WRJRWRWKH-XPSVFUHHQWKHQSUHVV0(18 DQGVHOHFW
6HWWLQJV!*XDUG6HFXULW\
 3UHVVWKHWUDFNEDOOZLWKWKH6HOHFW,PDJHSRSXSKLJKOLJKWHG6HOHFWWKHSKRWR
LFRQWRJRWR\RXU3KRWR$OEXP
 6HOHFWWKHSKRWR\RXZDQWWRXVHDVWKHNH\JXDUGEDFNJURXQGE\KLJKOLJKWLQJ
LWWKHQSUHVVLQJWKHWUDFNEDOO$FKHFNZLOODSSHDULQWKHORZHUOHIWFRUQHURIWKH
SKRWR
 3UHVV'21(WRPDNHWKHDVVLJQPHQWWKHQSUHVV'21( DJDLQWRGLVPLVVWKH
.H\*XDUG6HFXULW\VFUHHQ
6RQLF%2200XVLF3OD\HU
8VHWKH6RQLF%220PXVLFSOD\HUWRSOD\03VRXQGILOHVWKDW\RXKDYHVWRUHGRQ
\RXUPLQL6'FDUG<RXFDQXVHDPHPRU\FDUGRIDQ\FDSDFLW\5HPHPEHUWKDW\RX
PLJKWEHVKDULQJWKHFDUG·VFDSDFLW\ZLWK&DPHUDSKRWRV
7KHPXVLFSOD\HUZLOOSOD\03:$90,',:0$$$&03ILOHVLWZLOOQRWSOD\
5$003)/$&5$RUDQ\RWKHUILOHWKDWLVQRWOLVWHGDERYH
&RS\0XVLFWRWKH0HPRU\&DUG
%HIRUH\RXFDQFRS\DQ\VRQJVWR\RXUPHPRU\FDUG\RXPXVWLQVHUWDFDUGLQWR
WKHPLFUR6'FDUGVORWRQ\RXUGHYLFH)RULQVWUXFWLRQVUHDG´0HPRU\&DUG6ORWµRQ
SDJH2QFH\RXUFDUGLVLQVWDOOHGGRWKHIROORZLQJ
 &RQQHFW\RXUGHYLFHWR\RXUFRPSXWHUZLWKWKH86%FDEOHSURYLGHGLQWKHER[
5HDGPRUHLQ´86%3RZHU3RUWµRQSDJH
 2Q\RXUFRPSXWHUILQGWKHPRXQWHG86%GULYHDQGRSHQLW
 <RXVKRXOGVHHDIROGHUDWWKHWRSOHYHOQDPHG´0XVLFµ,I\RXGRQRWVHHWKLV
IROGHUWKHQFUHDWHLW
<
RX·UHUHDG\WRFRS\VRXQGILOHVRQWRWKHPHPRU\FDUG,W·VEHVWLI\RXRUJDQL]H
\RXUVRQJVLQVXEIROGHUVXQGHUWKH´0XVLFµIROGHU)RUH[DPSOH\RXFRXOG
FUHDWHRQHIROGHUIRUHDFKDOEXPRUDUWLVW
 &RS\VRXQGILOHVIURP\RXUFRPSXWHU·VKDUGGULYHRQWR\RXUGHYLFH·VPRXQWHG
86%GULYHLQWKHIROGHUVXQGHU´0XVLFµDV\RXZLVK
 :KHQILQLVKHGFRS\LQJFORVHWKH86%GULYHZLQGRZDQG´XQPRXQWµWKHGULYH
DVUHTXLUHGE\\RXUFRPSXWHU·VRSHUDWLQJV\VWHP
 5HPRYHWKH86%FDEOHIURP\RXUGHYLFHDQGFRPSXWHU5HDGWKHQH[WVHFWLRQ
WROHDUQKRZWRSOD\\RXUVRQJV
9
8VLQJWKH$SSOLFDWLRQV 
3OD\6RQJV
/LVWHQWR\RXUVRQJVXVLQJHLWKHUWKHGHYLFHVSHDNHURUWKHVWHUHRKHDGSKRQHV
LQFOXGHGLQWKHER[7RSOD\DVRQJVWDUWDWWKH%URZVH0XVLFVFUHHQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW6RQLF%220WKHQ
SUHVVWKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 7KH%URZVH0XVLFVFUHHQDSSHDUV<RXUPXVLFLVRUJDQL]HGLQWRFDWHJRULHV
ZLWKWKHQXPEHURIVRQJVLQHDFKVKRZQLQSDUHQWKHVHV<RXUVRQJVDUH
FDWHJRUL]HGDXWRPDWLFDOO\EDVHGRQWKHLQIRUPDWLRQFRQWDLQHGLQWKHVRQJILOH
LWVHOI
 6FUROOWRKLJKOLJKWDFDWHJRU\WKHQSUHVVWKHWUDFNEDOOWR´GULOOGRZQµWRWKH
QH[WOHYHO+HUH\RXPLJKWVHHVRQJVRUPRUHFDWHJRULHV
 $WDQ\OHYHORIWKH%URZVH0XVLFVFUHHQVLPSO\VHOHFWWKHFDWHJRU\RUVRQJ\RX
ZDQWWRSOD\DQGLWZLOOEHDGGHGWRWKH´3OD\4XHXHµDOOWKHVRQJVWKDWDUH
ZDLWLQJWREHSOD\HG<RXFDQDOVRXVHWKHVKRUWFXWV
0(18 33OD\VVHOHFWLRQLQWHUUXSWVFXUUHQWO\SOD\LQJVRQJ
0(18 44XHXHVVHOHFWLRQZDLWVLWVWXUQLQWKHOLVWWRSOD\
 7KHSURJUHVVRIWKHVRQJFXUUHQWO\SOD\LQJLVVKRZQDWWKHWRSRIWKHVFUHHQ
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
6RQJVSOD\LQJLQDOLVWZLOOQRWUHSHDWEXW\RXFDQFKDQJHWKLVVHWWLQJE\
SUHVVLQJ0(18 WKHQVHOHFWLQJ6KXIIOHDQG5HSHDW&KRRVHIURP6KXIIOH1R
5HSHDW5HSHDWRU/RRS
 7RFRQWUROVRQJSOD\SUHVV-803 '21( DQGWKHPLQLPXVLFSOD\HUZLOO
RSHQ5HDGPRUHLQ´0LQL0XVLF3OD\HUµRQSDJH
&UHDWHD3OD\OLVW
<RXFDQFUHDWHDVPDQ\SOD\OLVWVDV\RXZLVKDQGHGLWWKHPDWDQ\WLPH+HUH·VKRZ
)URPWKH%URZVH0XVLFVFUHHQVHOHFWRQHRIWKHWRSOHYHOFDWHJRULHVWKHQILQG
DVRQJDUWLVWRUDOEXP\RXZDQWLQDSOD\OLVW
 :LWKWKHVRQJDUWLVWRUDOEXPKLJKOLJKWHGSUHVV0(18 DQGVHOHFW$GGWR
3OD\OLVW!1HZ3OD\OLVW
 *LYH\RXUQHZSOD\OLVWDQDPHLQWKHGLDORJER[WKDWRSHQV3UHVV'21(WR
VDYHWKHSOD\OLVW
1RZ\RXUQHZO\FUHDWHGSOD\OLVWZLOOEHLQFOXGHGLQWKH3OD\OLVWVFDWHJRU\RQWKH
%URZVH0XVLFVFUHHQ
 7RDGGVRQJVWRWKLVRUDQ\OLVWKLJKOLJKWDVRQJDUWLVWRUDOEXPSUHVV
0(18 DQGVHOHFW$GGWR3OD\OLVW!´3OD\OLVW1DPHµ
 7RUHPRYHDVRQJIURPDQH[LVWLQJSOD\OLVWRSHQWKHSOD\OLVWWKHQKLJKOLJKWWKH
VRQJ3UHVV0(18 DQGVHOHFW5HPRYHIURP3OD\OLVW
&DWDORJ
'RZQORDG,WHPVIURPWKH&DWDORJ
'RZQORDGULQJWRQHVDSSOLFDWLRQVJDPHVDQGPRUHIURPWKH&DWDORJ<RX·OOILQG
WKDWEURZVLQJWKH&DWDORJDQGSXUFKDVLQJLWHPVLVHDV\DQGIXQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW&DWDORJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 :DLWZKLOHWKHODWHVW&DWDORJFRQWHQWVORDGWKHQXVHWKHWUDFNEDOOWRVFUROO
WKURXJKWKHFDWHJRULHV7KHFDWHJRULHVDUHRUJDQL]HGOLNHWKH-XPSVFUHHQLQ
D´ULQJµRQWKHOHIWZLWKHDFKFDWHJRUVVSODVKVFUHHQRQWKHULJKW+LJKOLJKW
WKHQSUHVVWKHWUDFNEDOOWRRSHQDFDWHJRUV%URZVH,WHPVVFUHHQ
 ,QGLYLGXDOLWHPVDUHJURXSHGLQWRIROGHUV+LJKOLJKWDIROGHUWKHQSUHVVWKH
WUDFNEDOOWRRSHQDIROGHU·VLWHPV2QFH\RXILQGDQLWHP\RX·UHLQWHUHVWHGLQ
KLJKOLJKWWKHLWHPWKHQSUHVVWKHWUDFNEDOOWRRSHQWKH,WHP'HWDLOVVFUHHQ
 7ROLVWHQWRDEULHIVDPSOHRIDULQJWRQHRUYLHZVDPSOHVFUHHQVKRWVRIDQ
DSSOLFDWLRQEHIRUH\RXSXUFKDVHLWVHOHFWWKH3UHYLHZEXWWRQ6HOHFW3XUFKDVH
WRVWHSWKURXJKWKHVLPSOHRQVFUHHQSXUFKDVHSURFHVV
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
2QFHSXUFKDVHG\RXULWHPZLOOEHGRZQORDGHGWR\RXUGHYLFHQHWZRUNFRQ
QHFWLYLW\SHUPLWWLQJ<RX·OOEHQRWLILHGRQFHWKHGRZQORDGLVFRPSOHWH1RWH
WKDWDSSOLFDWLRQVUHTXLUH´LQVWDOODWLRQµDQDXWRPDWLFSURFHVVWKDWGRHVLQYROYH
DUHVWDUWRI\RXUGHYLFH
 ,I\RXULWHPLVQRWGHOLYHUHGLPPHGLDWHO\\RXFDQFKHFNWKHGRZQORDGSURFHVV
IURPWKH'RZQORDGVVFUHHQGHVFULEHGEHORZ
0DQDJH<RXU'RZQORDGHG,WHPV
7RUHPRYHDGRZQORDGHGLWHPFKHFNWKHGRZQORDGVWDWXVRIDSXUFKDVHGLWHP
RUYLHZDOLVWRIDOOWKHGRZQORDGV\RXKDYHPDGHWKURXJKWKH&DWDORJLQFOXGLQJ
GHWDLOVVXFKDVSULFHVXEVFULSWLRQWHUPXSJUDGHLQIRUPDWLRQJRWRWKH'RZQORDGV
VFUHHQ
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW&DWDORJWKHQSUHVV
WKHWUDFNEDOOWRRSHQWKHDSSOLFDWLRQ
 6FUROOWR'RZQORDGVWKHQSUHVVWKHWUDFNEDOOWRRSHQWKH%URZVH3XUFKDVHV
VFUHHQ
 $OO\RXUGRZQORDGVDUHOLVWHGRQWKLVVFUHHQRUJDQL]HGLQWRIROGHUVE\
FDWHJRULHV+LJKOLJKWDIROGHUWKHQSUHVVWKHWUDFNEDOOWRUHYHDOWKHLWHPVZLWKLQ
 ,WHPVFXUUHQWO\EHLQJGRZQORDGHGDUHVKRZQLQLWDOLF
7RYLHZLWHPGHWDLOVKLJKOLJKWWKHLWHPWKHQSUHVVWKHWUDFNEDOO7RGLVFDUGDQ\
KLJKOLJKWHGLWHPSHUPDQHQWO\SUHVV0(18 WKHQVHOHFW'LVFDUG
0XOWLPHGLD0HVVDJLQJ
7KLVIHDWXUHLVQRWDYDLODEOHLQDOOSURGXFWFRQILJXUDWLRQV3URGXFWFRQILJXUDWLRQVYDU\
E\ZLUHOHVVRSHUDWRU
6HQGD0XOWLPHGLD0HVVDJH
(DFKPHVVDJH\RXFUHDWHFDQFRQWDLQXSWRWKUHHPXOWLPHGLDVOLGHVZLWKHDFKVOLGH
FRQWDLQLQJDWH[WVRXQGYRLFHQRWHRUVRQJDQGSLFWXUHDWWDFKPHQW7RFUHDWH
SUHYLHZWKHQVHQGDPXOWLPHGLDPHVVDJHIROORZWKHVWHSVEHORZ%HFUHDWLYH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW3KRQH0HVVDJLQJ
WKHQSUHVVWKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW
0XOWLPHGLD0HVVDJLQJWKHQSUHVVWKHWUDFNEDOO
 3UHVV0(18 WRRSHQWKHPHQX1HZ0HVVDJHLVVHOHFWHGE\GHIDXOWSUHVV
WKHWUDFNEDOOWRRSHQWKH&RPSRVHVFUHHQ
 $GGUHVV\RXUPHVVDJHXVLQJWKHUHFLSLHQW·VSKRQHQXPEHURUVWDUWW\SLQJ
WKHLUQDPHWREULQJXS$GGUHVV%RRNPDWFKHV$GGPRUHUHFLSLHQWVE\W\SLQJ
DFRPPDRUVHPLFRORQLQWKH7RILHOG7\SHD6XEMHFWIRUWKHHQWLUH
PHVVDJH(DFKVOLGH\RXFUHDWHZLOOKDYHLWVRZQPHVVDJHDVZHOO
 &UHDWH\RXUILUVWVOLGH
 $GGWKHVOLGH·VPHVVDJHE\W\SLQJLQWKHWH[WILHOG
 $GGDYRLFHUHFRUGLQJE\VHOHFWLQJWKH´$GG9RLFH1RWHµLFRQ 
,QWKHGLDORJER[WKDWRSHQVVHOHFW6WDUW5HFRUGLQJWREHJLQWKHYRLFH
UHFRUGLQJ6SHDNLQWRWKHPLFURSKRQHQH[WWRWKHWUDFNEDOO:KHQILQLVKHG
VHOHFW'21( WRDWWDFKLWWR\RXUVOLGH
 $GGDQLPDJHE\VHOHFWLQJWKH´$GG,PDJHµLFRQ <RXU%URZVH3KRWR
$OEXPVVFUHHQZLOORSHQZKHUH\RXFDQVHOHFWRQHSKRWR$IWHUVHOHFWLQJWKH
SKRWRSUHVV0(18 WKHQVHOHFW8VH&KHFNHGWRDWWDFKLWWRWKHVOLGH
 8VLQJWKH$SSOLFDWLRQV
8VLQJWKH$SSOLFDWLRQV 
 $GGDVRQJWR\RXUVOLGHE\VHOHFWLQJWKH´$GG6RXQGµLFRQ 
7KHULQJWRQHVHOHFWRUZLOORSHQ6HOHFWDVRQJIURPWKHULQJWRQHSRSXS
PHQXV'XHWRIRUPDWDQGFRS\ULJKWOLPLWDWLRQVQRWDOOULQJWRQHVDYDLODEOHWR
RWKHUDSSOLFDWLRQVZLOOEHDYDLODEOHDVDWWDFKPHQWVWRPXOWLPHGLDPHVVDJHV
 8VHWKHVHFVSRSXSPHQXWRVHOHFWKRZORQJ\RXZDQWWKHVOLGHWRSOD\1RWH
WKDWLI\RXKDYHDWWDFKHGDYRLFHQRWHWKDWSOD\VORQJHUWKDQWKHPHQXVHWWLQJ
WKHYRLFHQRWHZLOOEHFXWRIIZKHQSOD\HG
 7RFUHDWHDQRWKHUVOLGHVHOHFWWKH´$GG6OLGHµLFRQ <RXFDQDGGXSWR
WKUHHVOLGHVE\UHSHDWLQJ6WHS
 7RSUHYLHZ\RXUPHVVDJHVHOHFWWKH3UHYLHZEXWWRQ<RXFDQHGLWWKH
DWWDFKPHQWVIURPWKH&RPSRVHVFUHHQILUVWKLJKOLJKWWKHDWWDFKPHQWWKHQ
SUHVVDQGKROGWKHWUDFNEDOOWREULQJXSWKHFRQWH[WPHQXFRQWDLQLQJHGLW
RSWLRQV
 :KHQUHDG\WRVHQGHLWKHUVHOHFWWKH6HQGEXWWRQDWWKHERWWRPRIWKH
&RPSRVHVFUHHQRUSUHVV0(18 0
,QVWDQW0HVVDJLQJ
7KLVIHDWXUHLVQRWDYDLODEOHLQDOOSURGXFWFRQILJXUDWLRQV3URGXFWFRQILJXUDWLRQVYDU\
E\ZLUHOHVVRSHUDWRU
6LJQ2Q
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW,QVWDQW0HVVDJLQJ
WKHQSUHVVWKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW
WKH,0DSSOLFDWLRQRI\RXUFKRLFHWKHQSUHVVWKHWUDFNEDOO7KH6LJQ2QVFUHHQ
DSSHDUV
 7\SH\RXUXVHUQDPHDQGSDVVZRUGSDVVZRUGVDUHFDVHVHQVLWLYHWKHQVHOHFW
WKH6LJQ2QEXWWRQ
 <RXUOLVWRIIULHQGVDSSHDUV<RXDUHUHDG\WRVHQGDQLQVWDQWPHVVDJH
6HQGDQ,QVWDQW0HVVDJH
3UHVV-803 WRJRWRWKH-XPSVFUHHQ6FUROOWRKLJKOLJKW,QVWDQW0HVVDJLQJ
WKHQSUHVVWKHWUDFNEDOOWRRSHQWKHVHFRQGOHYHOULQJRIDSSOLFDWLRQV+LJKOLJKW
WKH,0DSSOLFDWLRQRI\RXUFKRLFHWKHQSUHVVWKHWUDFNEDOO
 6LJQRQZLWK\RXUXVHUQDPHDQGSDVVZRUGWKHVFUHHQOLVWLQJDOO\RXU,0
IULHQGV·XVHUQDPHVGLVSOD\V
 7RVWDUWDFRQYHUVDWLRQZLWKDIULHQGRQ\RXUOLVWVFUROOWRKLJKOLJKWWKHIULHQG·V
XVHUQDPHWKHQSUHVVWKHWUDFNEDOOWRVWDUWDFRQYHUVDWLRQ
 7\SH\RXUPHVVDJH:KHQUHDG\SUHVVWKH5HWXUQNH\WRVHQG
6ZLWFK%HWZHHQ,0&RQYHUVDWLRQV
<RXFDQKDYHXSWR,0FRQYHUVDWLRQVRSHQDWWKHVDPHWLPH,I\RXGRKDYHPRUH
WKDQRQH,0FRQYHUVDWLRQRSHQ\RXFDQVZLWFKEHWZHHQFRQYHUVDWLRQVTXLFNO\E\
GRLQJRQHRIWKHIROORZLQJ
0HQX3UHVV0(18 'WRRSHQWKH,0&RQYHUVDWLRQVVXEPHQXZKLFKOLVWVDOO
\RXURSHQFRQYHUVDWLRQV6FUROOWRKLJKOLJKWWKHFRQYHUVDWLRQ\RXZDQWWRRSHQ
WKHQSUHVVWKHWUDFNEDOO
&RQYHUVDWLRQ1XPEHU(DFKRSHQ,0FRQYHUVDWLRQKDVDQXPEHUZKLFKLV
GLVSOD\HGLQWKH,0&RQYHUVDWLRQVVXEPHQXDVZHOODVRQWKHVFUHHQGLVSOD\LQJ
\RXUOLVWRIIULHQGV 
)URPDQ\VFUHHQLQ,0LQFOXGLQJWKH,0-XPSVFUHHQ\RXFDQTXLFNO\VZLWFK
EHWZHHQFRQYHUVDWLRQVE\SUHVVLQJ0(18 WKH,0FRQYHUVDWLRQQXPEHU
)ULHQGV/LVW6FUHHQ2QWKHVFUHHQOLVWLQJDOO\RXUIULHQGV·XVHUQDPHVVFUROOWR
KLJKOLJKWWKHFRQYHUVDWLRQWRZKLFK\RXZDQWWRVZLWFKWKHQSUHVVWKHWUDFNEDOO
 8VLQJWKH$SSOLFDWLRQV
.H\ERDUG6KRUWFXWV
&DOODVSHHGGLDOQXPEHU 3UHVVDQGKROGWKHVSHHGGLDOQXPEHURQWKH
 NH\ERDUGZKLOHLQWKH3KRQHRU-XPSVFUHHQ
5HGLDOODVWQXPEHU 3UHVV-803 
$QVZHUDQLQFRPLQJFDOO 3UHVVWKHWUDFNEDOORU 
,JQRUHDQLQFRPLQJFDOOFDOOZLOOIRUZDUG 3UHVV  
+DQJXSDFWLYHFDOO 3UHVV 
0XWH\RXUGHYLFHZKHQULQJLQJ 3UHVVDQ\NH\H[FHSW 
&UHDWHDQHZQRWHPHVVDJH 
HYHQWWDVNWRGRRUFRQWDFW
,QVHUWVSHFLDO8QLFRGHFKDUDFWHU 3UHVVWKH6<0NH\
'LVFDUGLWHP +LJKOLJKWLWHPWKHQSUHVV0(18 &$1&(/
6HQGDFRPSRVHGPHVVDJH 3UHVV0(18 0
'HOHWHDOOWH[WLQDVLQJOHOLQH 3UHVV$/7'(/
3XWGHYLFHLQNH\JXDUGPRGHORFNFRQWUROV 3UHVVDQGKROG'21( IRUWZRVHFRQGV
8QORFNGHYLFH 3UHVV0(18 '21( 
3RZHUGHYLFHRQRII 3UHVVDQGKROG IRUWKUHHVHFRQGV
3UHVV WZLFHWRSRZHURII
2SHQ6RXQG&RQWUROV3UHVV0(18 '21(
2SHQPLQLPXVLFSOD\HU3UHVV-803'21(
2SHQ4XLFN-XPSPHQX 3UHVV-803&$1&(/
6FUROOSDJHE\SDJH +ROG0(18 DQGUROOWUDFNEDOO
2USUHVV WRSDJHXSSUHVV WRSDJHGRZQ
3UHVV0(181
.H\ERDUG6KRUWFXWV 
7URXEOHVKRRWLQJ
+RZGR,NQRZZKHQP\DFFRXQWKDVEHHQDFWLYDWHG"
2QFH\RXUDFFRXQWKDVEHHQDFWLYDWHGE\\RXUZLUHOHVVRSHUDWRU\RXZLOOVHHD
´:HOFRPHµPHVVDJHRQ\RXUVFUHHQ,IWKH:HOFRPHPHVVDJHGRHVQ·WDSSHDU
RQ\RXUGHYLFHZLWKLQKRXUVDIWHUUHJLVWHULQJFRQWDFW\RXUZLUHOHVVRSHUDWRU·V
&XVWRPHU&DUHGHSDUWPHQW
,QRUGHUWRFRPSO\ZLWKDLUOLQHUHJXODWLRQVKRZFDQ,WHPSRUDULO\GLVDEOH
ZLUHOHVVFRQQHFWLYLW\ZKHQWUDYHOLQJ"
5HPHPEHUWRSRZHURII\RXUGHYLFHGXULQJDLUFUDIWWDNHRIIVDQGODQGLQJV7RWXUQ
RIIZLUHOHVVFRQQHFWLYLW\WRFRPSO\ZLWK)$$UHJXODWLRQVIROORZWKHVHLQVWUXFWLRQV
)URPWKH-XPSVFUHHQSUHVV0(18 DQGVHOHFW$LUSODQH0RGH!7XUQ
:LUHOHVV2II
 <RXUGHYLFHLVQRZRIIOLQH<RXVKRXOGFRQILUPRIIOLQHVWDWXVE\ORRNLQJQH[WWR
WKHUDGLRWRZHULFRQLQWKHWLWOHEDULWVKRXOGUHDG2))
(YHQZLWKRXWZLUHOHVVFRQQHFWLYLW\\RXFDQVWLOODFFHVVWKHGHYLFHDSSOLFDWLRQVDQG
UHDGHPDLOPHVVDJHVWKDWDOUHDG\EHHQGRZQORDGHG+RZHYHU\RXZLOOQRWEHDEOH
WRVHQGRUUHFHLYHPHVVDJHVXQWLO\RXHQDEOHZLUHOHVVFRQQHFWLYLW\DJDLQ
+RZFDQ,SURWHFWP\GHYLFHIURPGDPDJH"
7KHEHVWZD\WRSURWHFW\RXUGHYLFHLVWRFDUU\LWZLWKWKHGLVSOD\FORVHGLQWKH
FDUU\LQJFDVHVXSSOLHGLQWKHER[<RXULVNGDPDJLQJ\RXUGHYLFHLI\RXGRQRW
SURWHFWWKHGLVSOD\$OVRZDWHU³HYHQLQVPDOODPRXQWVRULQWKHIRUPRIVWHDP³FDQ
VHULRXVO\GDPDJH\RXUGHYLFHDQGFKDUJHUVRNHHS\RXUGHYLFHGU\DQGDZD\IURP
SRWHQWLDOZDWHUVRXUFHV
 7URXEOHVKRRWLQJ
7URXEOHVKRRWLQJ 
,QHHGHGWRUHPRYHP\EDWWHU\VR,GLG$IWHU,SXWWKHEDWWHU\EDFNLQP\
GHYLFHLWSRZHUHGXSEXWDOOP\PHVVDJHVDQGRWKHUGDWDZHUHJRQH,VLW
DOOJRQHIRUJRRG"
1RDOO\RXUGDWDLVUHJXODUO\VDYHGWRWKH'DQJHUVHUYLFHVRLWLVVDIH,I\RXZDLWD
IHZPLQXWHVDOO\RXUGDWDZLOOEHUHVWRUHGWR\RXUGHYLFH1RWHKRZHYHUWKDWDQ\
GDWD\RXHQWHUHGRUPRGLILHGEHWZHHQWKHODVWVDYHWRWKH'DQJHUVHUYLFHDQGZKHQ
\RXUHPRYHGWKHEDWWHU\ZLOOEHORVW
&KDQFHVDUH\RXUHPRYHGWKHEDWWHU\EHIRUHSRZHULQJRII\RXUGHYLFH(YHU\WLPH
\RXSRZHURII\RXUGHYLFH\RXUGDWDLVVDYHGWRWKHGHYLFH·VLQWHUQDOIODVKPHPRU\
+RZHYHULI\RXUHPRYH\RXUEDWWHU\EHIRUHVKXWWLQJGRZQ\RXUGDWDZLOOQRWEH
VDYHGWRIODVK,WLVKRZHYHUVDYHGRQDQRQJRLQJEDVLVWRWKHVHUYLFHZKLFK
PHDQV\RXUGDWDLVDOZD\VEDFNHGXS+RZHYHUIRU\RXUFRQYHQLHQFHDQGWRDYRLG
XQQHFHVVDU\GDWDWUDIILFDOZD\VSRZHURII\RXUGHYLFHEHIRUHUHPRYLQJWKHEDWWHU\
+RZFDQ,LPSURYHUDGLRUHFHSWLRQZKHQ,·PLQD´IULQJHµFRYHUDJHDUHD"
7U\WKHIROORZLQJWRLPSURYHUDGLRUHFHSWLRQ
 8VHWKHKDQGVIUHHKHDGVHWDQGSRVLWLRQWKHSKRQHDZD\IURP\RXUERG\
 :DONWRDZLQGRZLI\RXDUHLQGRRUV
 6WHSRXWVLGHRIEXLOGLQJVWKDWKDYHKLJKPHWDOFRQFUHWHRUHDUWKHQFRQWHQW
EHFDXVHWKH\PD\DEVRUEUDGLRVLJQDOV
 6WHSDZD\IURPPHWDOOLFZLQGRZVEHFDXVHWKH\DEVRUE5)HQHUJ\
 *RWRWKHKLJKHVWVSRWSRVVLEOHWRPDNHWKHFDOO
 6WHSDZD\IURPFRPSXWHUVRUHOHFWURQLFHTXLSPHQW
 ,I\RXDUHLQDFDUILUVWSDUNWKHQWU\WKHFDOOIURPRXWVLGHWKHFDU
 ,I\RXDUHQHDURUGLUHFWO\XQGHUDFHOOXODU3&6UDGLRWRZHUZDONDWOHDVWRQH
EORFNDZD\
0\GHYLFHKDVQRWFRQQHFWHGWRWKHVHUYLFHIRUTXLWHDZKLOH,VWKHUHDQ\
WKLQJ,FDQGRP\VHOIEHIRUHFDOOLQJ&XVWRPHU&DUH"
<HVWU\SRZHULQJ\RXUGHYLFHRIIDQGRQ$IWHU\RXUGHYLFHERRWV\RX·OONQRZ\RX·YH
FRQQHFWHGWRWKHVHUYLFHZKHQ\RXVHHWKH LQWKHWLWOHEDUDJDLQ
:KDW:HEEURZVHUVGR\RXVXSSRUWRQWKH'HVNWRS,QWHUIDFH"
:HEEURZVHUV,(DUHVXSSRUWHGRQERWKWKH:LQGRZVDQG0DFLQWRVKRSHUDWLQJ
V\VWHPV
:K\GRWKH:HESDJHV,RSHQXVLQJWKHGHYLFH·V:HE%URZVHUDSSOLFDWLRQ
DSSHDUGLIIHUHQWIURPWKHSDJHV,RSHQRQP\GHVNWRSFRPSXWHU"
7KH:HESDJHVGLVSOD\HGRQ\RXUGHYLFHKDYHEHHQUHIRUPDWWHGVRWKH\DUHHDVLHU
WRUHDGRQDVPDOOGLVSOD\7KHVDPHRUVLPLODULQIRUPDWLRQGLVSOD\VLW·VMXVWODLGRXW
RQWKHVFUHHQVRWKDWLW·VHDVLHUWRYLHZRQ\RXUGHYLFH
:KDWDUHWKHUHTXLUHPHQWVIRUJHWWLQJP\RWKHUHPDLODFFRXQWVWRDSSHDU
RQP\GHYLFH"
7RIHWFKPHVVDJHVIURPDQRWKHUHPDLODFFRXQW\RXPXVWJDWKHUWKHIROORZLQJ
LQIRUPDWLRQ
 1DPHRIWKHUHPRWHHPDLOVHUYHUHJPDLOH[DPSOHFRP
 3URWRFROXVHGE\WKHUHPRWHHPDLOVHUYHUHJ323,0$3
 <RXUXVHUQDPHRQWKHUHPRWHHPDLOVHUYHU)RUH[DPSOHLI\RXUHPDLODGGUHVVLV
MRH#H[DPSOHFRPWKHQ\RXUXVHUQDPHLV´MRHµ
 <RXUSDVVZRUGRQWKHUHPRWHHPDLOVHUYHU7KLVLVWKHVDPHSDVVZRUG\RXXVHWR
RSHQWKHUHPRWHHPDLOGLUHFWO\
0RVW,QWHUQHW6HUYLFH3URYLGHUVDQG8QLYHUVLW\HPDLOV\VWHPVZRUNZLWKWKH323
SURWRFRO,I\RXDUHQRWVXUHRIWKHSURWRFROXVHWKH$XWR'HWHFWVHWWLQJRU\RXFDQ
 7URXEOHVKRRWLQJ
7URXEOHVKRRWLQJ 
FDOORUHPDLO\RXUUHPRWHVHUYLFHDQGDVNZKDWSURWRFROWKH\VXSSRUW7KHUHPRWH
VHUYLFHRSHUDWRUVFDQDOVRWHOO\RXWKHQDPHRIWKHUHPRWHHPDLOVHUYHU
2QFH\RXKDYHDOOWKLVLQIRUPDWLRQVHWXS\RXUH[WHUQDODFFRXQWE\IROORZLQJWKH
LQVWUXFWLRQVLQ´)HWFK(PDLOIURP([WHUQDO$FFRXQWVµRQSDJHRIWKLVJXLGH2QFH
VHWXS\RXUUHPRWHHPDLODFFRXQWZLOOEHFKHFNHGSHULRGLFDOO\DQGDFRS\RIDOO
QHZXQUHDGPHVVDJHVZLOOEHSODFHGLQWKH(PDLOPDLOER[RQ\RXUGHYLFH
:KDWVKRXOG,GRLI,QHHGDUHSODFHPHQWSDUWIRUP\GHYLFHRULI,QHHGWR
KDYHP\GHYLFHUHSDLUHG"
&RQWDFW\RXUZLUHOHVVRSHUDWRU·V&XVWRPHU&DUHGHSDUWPHQWIRUVXSSRUW
+RZVHFXUHLVP\DFFRXQWGDWDRQWKH'HVNWRS,QWHUIDFH"7KHUHPD\EH
VHQVLWLYHLQIRUPDWLRQVWRUHGLQFRQWDFWLQIRUPDWLRQFUHGLWFDUGQXPEHUV
IRUH[DPSOHWKDWPXVWEHVHFXUH
,QIRUPDWLRQLQ\RXUDFFRXQWLVVWRUHGRQVHUYHUVLQDGDWDFHQWHUZLWKHQKDQFHG
VHFXULW\DQGILUHZDOOIHDWXUHV3OHDVHUHIHUWR\RXUZLUHOHVVRSHUDWRU·V3ULYDF\3ROLF\
IRUPRUHLQIRUPDWLRQ
+RZFDQ,FOHDQP\GHYLFHVFUHHQ"
7KHVFUHHQRQ\RXUGHYLFHLVFRDWHGZLWKDSURWHFWLYHOD\HURISRO\FDUERQDWH<RX
FDQVDIHO\XVHZDUPVRDS\ZDWHUGHQDWXUHGDOFRKRORULVRSURS\ODOFRKROWRUHPRYH
GLUWDQGVPXGJHVIURP\RXUVFUHHQ%HVXUHWRXVHDYHU\VRIWFRWWRQFORWKVXFKDV
DQROGWVKLUWWRSUHYHQWVFUDWFKLQJZKHQZLSLQJWKHVFUHHQ
+RZGR,UHSRUWDORVWGHYLFH"
&DOO\RXUZLUHOHVVRSHUDWRU·V&XVWRPHU&DUHGHSDUWPHQWWRUHSRUWWKHORVWGHYLFH'RQ·W
ZRUU\<RXUZLUHOHVVRSHUDWRUZLOOGLVDEOH\RXUORVWGHYLFHDQG\RXUGDWDLVDOZD\V
VDIHO\VWRUHGRQWKHVHUYLFH:KHQ\RXUHFHLYH\RXUQHZGHYLFH\RXUDFFRXQWGDWD
ZLOOEHGRZQORDGHGWRLWDXWRPDWLFDOO\DIWHU\RXVLJQLQZLWK\RXUH[LVWLQJXVHUQDPH
DQGSDVVZRUG
+DQGOLQJDQG6DIHW\
3UHFDXWLRQV
7KHKLSWRSLVDPRELOHFRPSXWLQJGHYLFHWKDWPD\EUHDNLIGURSSHGVXEMHFWHGWR
VHYHUHVKRFNRUH[SRVHGWRZDWHU3OHDVHKDQGOHWKHGHYLFHFDUHIXOO\DQGUHDGWKH
SUHFDXWLRQVOLVWHGEHORZ7KHVHSUHFDXWLRQVSURYLGHHVVHQWLDOLQIRUPDWLRQIRUWKH
VDIHKDQGOLQJRIWKHSURGXFWDQGIRUWKHSURWHFWLRQRIWKHXVHUVDQGRWKHUVIURP
SRVVLEOHKDUP
'XULQJDFDOOWKHVRXQGOHYHORQ\RXUGHYLFHPD\YDU\GHSHQGLQJRQKRZ\RXDUH
URXWLQJWKHVRXQG.HHSWKHYROXPHDWDPRGHUDWHOHYHOWRSUHYHQWGDPDJHWR\RXU
KHDULQJDQGEHFDUHIXOQRWWRVZLWFKDFFLGHQWDOO\WRVSHDNHUSKRQHZKLOHWKHSKRQH
LVDJDLQVW\RXUHDU
%DWWHU\+DQGOLQJ
 <RXUGHYLFHXVHVDUHPRYDEOHOLWKLXPLRQEDWWHU\/LWKLXPLRQEDWWHULHVDUH
UHF\FODEOH1HYHUGLVSRVHRIWKHEDWWHU\RUWKHXQLWE\LQFLQHUDWLRQ
 $OZD\VWXUQRII\RXUGHYLFHEHIRUHUHPRYLQJWKHEDWWHU\
 1HYHUDWWHPSWWRGLVDVVHPEOHRUPRGLI\WKHEDWWHU\
 1HYHUWRXFKDQ\IOXLGWKDWPD\OHDNIURPWKHUHPRYDEOHEDWWHU\EHFDXVHGRLQJ
VRPD\UHVXOWLQLQMXU\WRWKHVNLQRUH\HV
 1HYHUGURS\RXUGHYLFHRUVXEMHFWLWWRVHYHUHVKRFN7KLVPD\FDXVHWKH
UHPRYDEOHEDWWHU\WROHDNLJQLWHDQGRUUXSWXUH$OZD\VLPPHGLDWHO\UHPRYH
\RXUGHYLFHIURPWKHYLFLQLW\RIDQ\RSHQIODPHLQWKHHYHQWWKHEXLOWLQEDWWHU\
OHDNVRUHPLWVDQXQXVXDORGRU
9
 +DQGOLQJDQG6DIHW\3UHFDXWLRQV
+DQGOLQJDQG6DIHW\3UHFDXWLRQV 
'HYLFH+DQGOLQJDQG8VH
 1HYHUDWWHPSWWRGLVDVVHPEOHUHSDLURUPRGLI\\RXUGHYLFH6XFKDFWLRQPD\UHVXOWLQ
ERGLO\LQMXU\RUGDPDJHWRWKHXQLWRURWKHUSURSHUW\
 1HYHUWRXFKOLTXLGWKDWPLJKWOHDNIURPDEURNHQOLTXLGFU\VWDOGLVSOD\/&'EHFDXVH
GRLQJVRPD\FDXVHDVNLQUDVK
 .HHSWKHYROXPHDWDPRGHUDWHOHYHOWRDYRLGGDPDJHWR\RXUKHDULQJ
 1HYHUGLVSRVHRI\RXUGHYLFHZLWKRUGLQDU\ZDVWH
 1HYHUDOORZLQIDQWVVPDOOFKLOGUHQRUDQLPDOVZLWKLQUHDFKRI\RXUGHYLFH
 6ZLWFKRII\RXUGHYLFHZKHQLQDQDLUFUDIW7KHXVHRIWKHGHYLFHLQDQDLUFUDIWPD\EH
GDQJHURXVWRWKHRSHUDWLRQRIWKHDLUFUDIWGLVUXSWWKHFHOOXODUQHWZRUNDQGLVLOOHJDO
)DLOXUHWRREVHUYHWKLVLQVWUXFWLRQPD\OHDGWRVXVSHQVLRQRUGHQLDORIFHOOXODUWHOHSKRQH
VHUYLFHVWRWKHRIIHQGHURUOHJDODFWLRQRUERWK
 &KHFNZLWK\RXUGRFWRULI\RXKDYHDSDFHPDNHURUKHDULQJDLGWRPDNHVXUH\RXFDQVDIHO\
XVHWKHGHYLFH·VFHOOXODUDQG%OXHWRRWKUDGLRIUHTXHQFLHV
 &HUWDLQORFDWLRQVHJKRVSLWDOVPD\UHVWULFWWKHXVHRIDQ\GHYLFHWKDWHPLWVORZOHYHO5)
HQHUJ\$OZD\VFRPSO\ZLWKSRVWHGSURKLELWLRQVRIWKHXVHRI5)HPLWWLQJGHYLFHV
 'RQRWXVHWKHGHYLFHZKHQDWDUHIXHOOLQJVWDWLRQ
 2EVHUYHUHVWULFWLRQVRQWKHXVHRIUDGLRHTXLSPHQWLQIXHOGHSRWVFKHPLFDOSODQWVRU
ZKHUHEODVWLQJRSHUDWLRQVDUHLQSURJUHVV
 ,WLVDGYLVHGWKDWWKHGHYLFHQRWEHXVHGE\DGULYHUZKLOHWKHYHKLFOHLVPRYLQJH[FHSW
LQDQHPHUJHQF\6SHDNRQO\LQWRDIL[HGQHFNVOXQJRUFOLSSHGRQPLFURSKRQHZKHQLW
ZRXOGQRWGLVWUDFW\RXUDWWHQWLRQIURPWKHURDG
 1HYHUDOORZDQ\PHWDOOLFREMHFWVHJVWDSOHVSDSHUFOLSVWREHFRPHLQVHUWHGLQWR\RXU
GHYLFHDVWKLVFRXOGUHVXOWLQWKHJHQHUDWLRQRIH[FHVVKHDWRUILUH
 1HYHUXVHRUVWRUH\RXUGHYLFHLQWKHIROORZLQJORFDWLRQV
 $Q\ZKHUHLWPD\EHH[SRVHGWRZDWHUHJEDWKURRPRUVDXQD
 &RQGLWLRQVRIKLJKKXPLGLW\HJUDLQRUIRJ
 &RQGLWLRQVRIH[WUHPHKLJKWHPSHUDWXUHVHJQHDUILUHRULQDVHDOHGFDU
 ,QGLUHFWVXQOLJKW
 /RFDWLRQVRUVLWHVVXEMHFWWRVWURQJYLEUDWLRQ
 8VH\RXUGHYLFHLQORFDWLRQVZLWKWKHIROORZLQJDPELHQWHQYLURQPHQWDOFRQGLWLRQ
 1RUPDORSHUDWLRQ&WR&)WR)ZLWKKXPLGLW\RIWR
%DWWHU\&KDUJHU+DQGOLQJ
 7KHGHYLFHLVLQWHQGHGIRUXVHZKHQVXSSOLHGZLWKSRZHUIURPWKHEDWWHU\FKDUJHU
LQFOXGHGLQWKHER[ZLWK\RXUGHYLFH2WKHUXVDJHZLOOLQYDOLGDWHDQ\DSSURYDOJLYHQWRWKLV
GHYLFHDQGPD\EHGDQJHURXV
 &KDUJHWKHGHYLFHZLWKLQWKHWHPSHUDWXUHUDQJHRIWRGHJUHHV&HOVLXVRUWR
GHJUHHV)DKUHQKHLWIRUWKHIDVWHVWFKDUJLQJWLPH
 1HYHUSODFHWKHEDWWHU\FKDUJHURQDQ\VXUIDFHWKDWFDQEHPDUUHGE\H[SRVXUHWRKHDW
DOZD\VSODFHWKHEDWWHU\FKDUJHURQDKHDWLQVXODWLQJVXUIDFH
 1HYHUXVHDEDWWHU\FKDUJHUWKDWKDVUHFHLYHGDVKDUSEORZEHHQGURSSHGWKURZQIURPD
VSHHGLQJYHKLFOHRULVRWKHUZLVHGDPDJHGGRLQJVRPD\GDPDJH\RXUGHYLFH
 1HYHUSODFHWKHEDWWHU\FKDUJHUDGMDFHQWWRDQ\KHDWVRXUFH
 1HYHUOHDYHWKHEDWWHU\FKDUJHUFORVHWRDQ\RSHQFRQWDLQHURIOLTXLGV
 1HYHUXVHDZRUQRUGDPDJHGEDWWHU\FKDUJHUFDEOHRUSOXJRUDZRUQRUGDPDJHG
H[WHQVLRQFRUGRUSOXJ
 :KHQWUDYHOLQJDEURDGQHYHUSOXJWKHEDWWHU\FKDUJHULQWRDSRZHUVRXUFHWKDWGRHVQRW
FRUUHVSRQGWRERWKWKHYROWDJHDQGIUHTXHQF\VSHFLILHGRQWKHFKDUJHU
 $OZD\VFRQILUPWKDWWKHEDWWHU\FKDUJHUSOXJKDVEHHQIXOO\LQVHUWHGLQWRWKHUHFHSWDFOHWR
HQVXUHDVHFXUHHOHFWULFDOFRQQHFWLRQ
 $OZD\VLPPHGLDWHO\SRZHURIIWKHGHYLFHDQGGLVFRQQHFWWKHEDWWHU\FKDUJHUIURPWKH
SRZHURXWOHWLQWKHHYHQWRIDQ\XQXVXDORGRURUVPRNH
 ,WLVQRUPDOIRUWKHEDWWHU\FKDUJHUWREHFRPHZDUPZKHQFKDUJLQJ'LVFRQQHFWWKHEDWWHU\
FKDUJHUIURPWKHRXWOHWZKHQQRWLQXVH
 1HYHUDWWHPSWWRGLVDVVHPEOHRUUHSDLUDQEDWWHU\FKDUJHUSRZHUVXSSO\FDEOHVRUSOXJV
EHFDXVHGRLQJVRH[SRVHV\RXWRHOHFWULFVKRFN
5,6.2)(;3/26,21,)%$77(5<,65(3/$&('%<$1,1&255(&77<3(',6326(2)86('
%$77(5,(6$&&25',1*727+()2//2:,1*,16758&7,216
%$77(5<',6326$/7+,6352'8&7&217$,16$/,7+,80,21%$77(5<7+,6%$77(5<0867%(
',6326('2)3523(5/<&217$&7/2&$/$*(1&,(6)25,1)250$7,21215(&<&/,1*$1'
',6326$/237,216,1<285$5($
 +DQGOLQJDQG6DIHW\3UHFDXWLRQV
5HJXODWRU\DQG&RPSOLDQFH,QIRUPDWLRQ 
5HJXODWRU\DQG
&RPSOLDQFH,QIRUPDWLRQ
5HJXODWRU\&RPSOLDQFH,QIRUPDWLRQIRU1RUWK
$PHULFD
)&&'HFODUDWLRQRI&RQIRUPLW\
0RGHO;;;;PDQXIDFWXUHGE\0RWRURODFRPSOLHVZLWKSDUWRIWKH)&&5XOHV
2SHUDWLRQLVVXEMHFWWRWKHIROORZLQJWZRFRQGLWLRQV7KLVGHYLFHPD\QRWFDXVHKDUPIXOLQWHUIHUHQFH
DQGWKLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHUHFHLYHGLQFOXGLQJLQWHUIHUHQFHWKDWPD\FDXVH
XQGHVLUHGRSHUDWLRQ
5HVSRQVLEOH3DUW\
 1DPH
 $GGUHVV
 $GGUHVV
 3KRQH1XPEHU
7KLVFODVV%GLJLWDODSSDUDWXVFRPSOLHVZLWK&DQDGLDQ,&(6
)&&1RWLFH
7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKHOLPLWVIRUD&ODVV%GLJLWDOGHYLFHSXUVXDQW
WR3DUWRIWKH)&&5XOHV7KHVHOLPLWVDUHGHVLJQHGWRSURYLGHUHDVRQDEOHSURWHFWLRQDJDLQVWKDUPIXO
LQWHUIHUHQFHLQDUHVLGHQWLDOLQVWDOODWLRQ7KLVHTXLSPHQWJHQHUDWHVXVHVDQGFDQUDGLDWHUDGLRIUHTXHQF\
HQHUJ\DQGLIQRWLQVWDOOHGDQGXVHGLQDFFRUGDQFHZLWKWKHLQVWUXFWLRQVPD\FDXVHKDUPIXOLQWHUIHUHQFH
WRUDGLRFRPPXQLFDWLRQV+RZHYHUWKHUHLVQRJXDUDQWHHWKDWLQWHUIHUHQFHZLOOQRWRFFXULQDSDUWLFXODU
LQVWDOODWLRQ,IWKLVHTXLSPHQWGRHVFDXVHKDUPIXOLQWHUIHUHQFHWRUDGLRRUWHOHYLVLRQUHFHSWLRQZKLFK
FDQEHGHWHUPLQHGE\WXUQLQJWKHHTXLSPHQWRIIDQGRQWKHXVHULVHQFRXUDJHGWRWU\WRFRUUHFWWKH
LQWHUIHUHQFHE\RQHRUPRUHRIWKHIROORZLQJPHDVXUHV
 5HRULHQWRUUHORFDWHWKHUHFHLYLQJDQWHQQD
 ,QFUHDVHWKHVHSDUDWLRQEHWZHHQWKHHTXLSPHQWDQGUHFHLYHU
 &RQQHFWWKHHTXLSPHQWLQWRDQRXWOHWRQDFLUFXLWGLIIHUHQWIURPWKDWWRZKLFKWKHUHFHLYHULV
FRQQHFWHG
 &RQVXOWWKHGHDOHURUDQH[SHULHQFHGUDGLR79WHFKQLFLDQIRUKHOS
0RGLILFDWLRQVQRWH[SUHVVO\DSSURYHGE\WKHPDQXIDFWXUHUFRXOGYRLGWKHXVHU·VDXWKRULW\WRRSHUDWHWKH
HTXLSPHQW7KLVWUDQVPLWWHUPXVWQRWEHFRORFDWHGRURSHUDWHGLQFRQMXQFWLRQZLWKDQ\RWKHUDQWHQQDRU
WUDQVPLWWHU
([SRVXUHWR5DGLR)UHTXHQF\5)6LJQDOV
7+,602'(/0((767+(*29(510(17·65(48,5(0(176)25(;32685(725$',2:$9(6
<RXUZLUHOHVVGHYLFHLVDUDGLRWUDQVPLWWHUDQGUHFHLYHU,WLVGHVLJQHGDQGPDQXIDFWXUHGQRWWRH[FHHG
WKHHPLVVLRQOLPLWVIRUH[SRVXUHWRUDGLRIUHTXHQF\5)HQHUJ\VHWE\WKH)HGHUDO&RPPXQLFDWLRQV
&RPPLVVLRQRIWKH86*RYHUQPHQW7KHVHOLPLWVDUHSDUWRIFRPSUHKHQVLYHJXLGHOLQHVDQGHVWDEOLVK
SHUPLWWHGOHYHOVRI5)HQHUJ\IRUWKHJHQHUDOSRSXODWLRQ7KHJXLGHOLQHVDUHEDVHGRQVWDQGDUGVWKDW
ZHUHGHYHORSHGE\LQGHSHQGHQWVFLHQWLILFRUJDQL]DWLRQVWKURXJKSHULRGLFDQGWKRURXJKHYDOXDWLRQRI
VFLHQWLILFVWXGLHV7KHVWDQGDUGVLQFOXGHDVXEVWDQWLDOVDIHW\PDUJLQGHVLJQHGWRDVVXUHWKHVDIHW\RIDOO
SHUVRQVUHJDUGOHVVRIDJHDQGKHDOWK
7KHH[SRVXUHVWDQGDUGIRUZLUHOHVVPRELOHSKRQHVHPSOR\VDXQLWRIPHDVXUHPHQWNQRZQDVWKH6SHFLILF
$EVRUSWLRQ5DWHRU6$5,QWKH8QLWHG6WDWHVDQG&DQDGDWKH6$5OLPLWIRUPRELOHGHYLFHVXVHGE\
WKHSXEOLFLVZDWWVNJ:NJDYHUDJHGRYHURQHJUDPRIWLVVXH7KH)&&KDVJUDQWHGDQ(TXLSPHQW
$XWKRUL]DWLRQIRUWKLVZLUHOHVVGHYLFHZLWKDOOUHSRUWHG6$5OHYHOVHYDOXDWHGDVLQFRPSOLDQFHZLWKWKH
)&&5)HPLVVLRQJXLGHOLQHV)RUWKH;;;;PRGHOWKHKLJKHVW6$5YDOXHZKHQWHVWHGIRUXVHDWWKHHDU
 5HJXODWRU\&RPSOLDQFH,QIRUPDWLRQ
5HJXODWRU\DQG&RPSOLDQFH,QIRUPDWLRQ 
LV;;;:NJDQGZKHQZRUQRQWKHERG\DVGHVFULEHGLQWKLVJXLGHLV;;;:NJ6$5LQIRUPDWLRQRQ
WKLVGHYLFHLVRQILOHZLWKWKH)&&DQGFDQEHIRXQGXQGHUWKH'LVSOD\*UDQWVHFWLRQRIKWWSZZZIFF
JRYRHWIFFLGDIWHUVHDUFKLQJRQ)&&,';;;;;;;;;;IRUWKH;;;PRGHO
)RUERG\ZRUQRSHUDWLRQWRPDLQWDLQFRPSOLDQFHZLWK)&&5)H[SRVXUHJXLGHOLQHVXVHWKHVXSSOLHG
FDUU\LQJFDVH8VHRIQRQDSSURYHGDFFHVVRULHVPD\YLRODWH)&&5)H[SRVXUHJXLGHOLQHVDQGVKRXOG
EHDYRLGHG:KHQFDUU\LQJWKHGHYLFHRQ\RXUSHUVRQLWLVUHFRPPHQGHGWRWXUQWKHVFUHHQGLVSOD\LQ
WRZDUGWKHERG\LQRUGHUWRPLQLPL]H5)H[SRVXUHDQGPD[LPL]HDQWHQQDHIILFLHQF\
5HJXODWRU\&RPSOLDQFH,QIRUPDWLRQIRU(XURSH
(8'HFODUDWLRQRI&RQIRUPLW\
+HUHE\0RWRURODGHFODUHVWKDWPRGHO;;;;LVLQFRPSOLDQFHZLWKWKHHVVHQWLDOUHTXLUHPHQWVDQGRWKHU
UHOHYDQWSURYLVLRQVRI'LUHFWLYH(&
$FRS\RIWKHRULJLQDOGHFODUDWLRQRIFRQIRUPLW\FDQEHIRXQGDWWKHIROORZLQJ,QWHUQHWDGGUHVV
85/!
([SRVXUHWR5DGLR)UHTXHQF\5)6LJQDOV
7KLVZLUHOHVVGHYLFHKDVEHHQGHVLJQHGVRDVQRWWRH[FHHGWKHOLPLWVIRUH[SRVXUHWRHOHFWURPDJQHWLF
ILHOGVUHFRPPHQGHGE\WKH&RXQFLORIWKH(XURSHDQ8QLRQ7KHVHOLPLWVDUHSDUWRIFRPSUHKHQVLYH
JXLGHOLQHVGHYHORSHGE\LQGHSHQGHQWVFLHQWLILFRUJDQLVDWLRQV7KHJXLGHOLQHVLQFOXGHDVXEVWDQWLDO
VDIHW\PDUJLQGHVLJQHGWRDVVXUHWKHVDIHW\RIWKHGHYLFHXVHUDQGRWKHUVDQGWRWDNHLQWRDFFRXQW
YDULDWLRQVLQDJHDQGKHDOWKLQGLYLGXDOVHQVLWLYLWLHVDQGHQYLURQPHQWDOFRQGLWLRQV
(XURSHDQVWDQGDUGVSURYLGHIRUWKHDPRXQWRIUDGLRIUHTXHQF\HOHFWURPDJQHWLFHQHUJ\DEVRUEHGE\WKH
ERG\ZKHQXVLQJDPRELOHSKRQHWREHPHDVXUHGE\UHIHUHQFHWRWKH6SHFLILF$EVRUSWLRQ5DWH6$5
7KH(86$5OLPLWIRUWKHJHQHUDOSXEOLFLVFXUUHQWO\ZDWWVSHUNLORJUDP:NJDYHUDJHGRYHUJUDPV
RIERG\WLVVXH7KHKLJKHVW6$5YDOXHZKHQWHVWHGIRUXVHDWWKHHDULV;;;:NJDWPD[LPXPSRZHU
1RWHWKDWWKHGHYLFHJHQHUDOO\RSHUDWHVDWOHVVWKDQPD[LPXPSRZHUEHFDXVHLWLVGHVLJQHGWRXVHRQO\
VXIILFLHQWSRZHUWRFRPPXQLFDWHZLWKWKHQHWZRUN
9
5HF\FOLQJ,QIRUPDWLRQ
7KH5%5&%DWWHU\5HF\FOLQJ6HDORQWKH/LWKLXPLRQ/LLRQEDWWHU\EDWWHU\SDFNLQGLFDWHV876WDUFRP
LVYROXQWDULO\SDUWLFLSDWLQJLQDQLQGXVWU\SURJUDPWRFROOHFWDQGUHF\FOHWKHVHEDWWHU\EDWWHU\SDFNV
DWWKHHQGRIWKHLUXVHIXOOLIHZKHQWDNHQRXWRIVHUYLFHLQWKH8QLWHG6WDWHVRU&DQDGD7KH5%5&
SURJUDPSURYLGHVDFRQYHQLHQWDOWHUQDWLYHWRSODFLQJ/LLRQEDWWHULHVLQWRWKHWUDVKRUPXQLFLSDOZDVWH
VWUHDPZKLFKLVLOOHJDOLQVRPHDUHDV3OHDVHFDOOIRULQIRUPDWLRQRQ/LLRQEDWWHU\
UHF\FOLQJLQ\RXUDUHD876WDUFRP·VLQYROYHPHQWLQWKLVSURJUDPLVSDUWRIRXUFRPPLWPHQWWRSUHVHUYLQJ
RXUHQYLURQPHQWDQGFRQVHUYLQJRXUQDWXUDOUHVRXUFHV
5%5&LVDWUDGHPDUNRIWKH5HFKDUJHDEOH%DWWHU\5HF\FOLQJ&RUSRUDWLRQ
$GGLWLRQDO,QIRUPDWLRQ
-DYDDQGDOO-DYDEDVHGWUDGHPDUNVDQGORJRVDUHWUDGHPDUNVRUUHJLVWHUHGWUDGHPDUNVRI6XQ0LFURV\VWHPV,QFLQWKH
86RURWKHUFRXQWULHV
%OXHWRRWKLVDWUDGHPDUNRIWKH%OXHWRRWK6,*,QF
7KH%OXHWRRWKZRUGPDUNDQGORJRVDUHRZQHGE\WKH%OXHWRRWK6,*,QFDQGDQ\XVHRIVXFKPDUNVE\0RWRURODLV
XQGHUOLFHQVH2WKHUWUDGHPDUNVDQGWUDGHQDPHVDUHWKRVHRIWKHLUUHVSHFWLYHRZQHUV
 5HJXODWRU\&RPSOLDQFH,QIRUPDWLRQ
5HJXODWRU\DQG&RPSOLDQFH,QIRUPDWLRQ 
PLFUR6'LVDWUDGHPDUNRI6'&DUG$VVRFLDWLRQ-DYDDQGDOO-DYDEDVHGWUDGHPDUNVDQGORJRVDUHWUDGHPDUNVRU
UHJLVWHUHGWUDGHPDUNVRI6XQ0LFURV\VWHPV,QFLQWKH86RURWKHUFRXQWULHV
&RS\ULJKWF7KH5HJHQWVRIWKH8QLYHUVLW\RI&DOLIRUQLD
5HGLVWULEXWLRQDQGXVHLQVRXUFHDQGELQDU\IRUPVZLWKRUZLWKRXWPRGLILFDWLRQDUHSHUPLWWHGSURYLGHGWKDWWKHIROORZ
LQJFRQGLWLRQVDUHPHW
5HGLVWULEXWLRQVRIVRXUFHFRGHPXVWUHWDLQWKHDERYHFRS\ULJKWQRWLFHWKLVOLVWRIFRQGLWLRQVDQGWKHIROORZLQJ
GLVFODLPHU
5HGLVWULEXWLRQVLQELQDU\IRUPPXVWUHSURGXFHWKHDERYHFRS\ULJKWQRWLFHWKLVOLVWRIFRQGLWLRQVDQGWKHIROORZLQJ
GLVFODLPHULQWKHGRFXPHQWDWLRQDQGRURWKHUPDWHULDOVSURYLGHGZLWKWKHGLVWULEXWLRQ
1HLWKHUWKHQDPHRIWKH8QLYHUVLW\QRUWKHQDPHVRILWVFRQWULEXWRUVPD\EHXVHGWRHQGRUVHRUSURPRWHSURGXFWV
GHULYHGIURPWKLVVRIWZDUHZLWKRXWVSHFLILFSULRUZULWWHQSHUPLVVLRQ
7+,662)7:$5(,63529,'('%<7+(5(*(176$1'&2175,%87256´$6,6··$1'$1<(;35(6625,03/,('
:$55$17,(6,1&/8',1*%87127/,0,7('727+(,03/,(':$55$17,(62)0(5&+$17$%,/,7<$1'),7
1(66)25$3$57,&8/$5385326($5(',6&/$,0(',112(9(176+$//7+(5(*(17625&2175,%87256
%(/,$%/()25$1<',5(&7,1',5(&7,1&,'(17$/63(&,$/(;(03/$5<25&216(48(17,$/'$0$*(6
,1&/8',1*%87127/,0,7('72352&85(0(172)68%67,787(*22'6256(59,&(6/2662)86('$7$
25352),7625%86,1(66,17(55837,21+2:(9(5&$86('$1'21$1<7+(25<2)/,$%,/,7<:+(7+(5,1
&2175$&7675,&7/,$%,/,7<257257,1&/8',1*1(*/,*(1&(2527+(5:,6($5,6,1*,1$1<:$<2872)
7+(86(2)7+,662)7:$5((9(1,)$'9,6('2)7+(3266,%,/,7<2)68&+'$0$*(
3RUWLRQVRIVRIWZDUHOLFHQVHGXQGHUWKHDERYHOLFHQVHLQFOXGHWKHIROORZLQJDGGLWLRQDOFRS\ULJKWQRWLFHVDQGDGGLWLRQDO
FRQGLWLRQV
&RS\ULJKWF$OEHUW&KLQ$<RXQJ7KLVFRGHLVGHULYHGIURPVRIWZDUHFRQWULEXWHGWR%HUNHOH\E\'LRPLGLV6SLQHO
OLVDQG-DPHV$:RRGVGHULYHGIURPRULJLQDOZRUNE\6SHQFHU7KRPDVDQG-RVHSK2URVW
&RS\ULJKW&:ROIJDQJ6ROIUDQN&RS\ULJKWF0DUWLQ+XVHPDQQ$OODGYHUWLVLQJPDWHULDOVPHQWLRQLQJ
IHDWXUHVRUXVHRIWKLVVRIWZDUHPXVWGLVSOD\WKHIROORZLQJDFNQRZOHGJHPHQW7KLVSURGXFWLQFOXGHVVRIWZDUHGHYHORSHG
E\0DUWLQ+XVHPDQQDQG:ROIJDQJ6ROIUDQN
7KLVFRGHLVGHULYHGIURPVRIWZDUHFRQWULEXWHGWR%HUNHOH\E\%HUNHOH\6RIWZDUH'HVLJQ,QF
&RS\ULJKWF81,;6\VWHP/DERUDWRULHV,QF$OORUVRPHSRUWLRQVRIWKLVILOHDUHGHULYHGIURPPDWHULDOOLFHQVHGWRWKH
8QLYHUVLW\RI&DOLIRUQLDE\$PHULFDQ7HOHSKRQHDQG7HOHJUDSK&RRU8QL[6\VWHP/DERUDWRULHV,QFDQGDUHUHSURGXFHG
KHUHLQZLWKWKHSHUPLVVLRQRI81,;6\VWHP/DERUDWRULHV,QF
$OODGYHUWLVLQJPDWHULDOVPHQWLRQLQJIHDWXUHVRUXVHRIWKLVVRIWZDUHPXVWGLVSOD\WKHIROORZLQJDFNQRZOHGJHPHQW7KLV
SURGXFWLQFOXGHVVRIWZDUHGHYHORSHGE\WKH8QLYHUVLW\RI&DOLIRUQLD%HUNHOH\DQGLWVFRQWULEXWRUV
KLSWRSQ
6WDUW*XLGH
5HY5HOHDVH-DQXDU\
'DQJHU,QF$OOULJKWVUHVHUYHG
6WHS
,QVHUWWKH6,0&DUG
5HPRYHWKHEDFNFRYHU
 8VH\RXUWKXPEVWRSXVKGRZQ
RQWKHFRYHUVOLJKWO\ZKLOHVOLGLQJ
WKHFRYHUOHIW
 /LIWWKHFRYHUWRUHPRYHLW

,QVHUW\RXU6,0FDUG
 *ROGFRQWDFWVIDFHGRZQ
 6OLGHWKHORZHUOHIWHGJHLQILUVW
 7KHPHWDOEUDFNHWPXVWFRYHU
WKHFDUG

6WHS
,QVHUWWKH%DWWHU\
,QVHUWWKHEDWWHU\WRSVLGHILUVW
5HSODFHWKHEDFNFRYHU
6OLGHWKHFRYHUEDFNWRWKHRULJLQDO
SRVLWLRQZKLOHSUHVVLQJWKHFRYHU
ODWFKZLWK\RXUULJKWWKXPE
 
,QVHUWWKHEDWWHU\FKDUJHU
LQWRWKH86%SRUW

/HW\RXUGHYLFHFKDUJHIRUDW
OHDVWKRXUV
3UHVVWKH3RZHUEXWWRQ
6WHS
5HJLVWHU
:DLWIRUDFWLYDWLRQ
<RX·OONQRZ\RXUGHYLFHKDVEHHQ
DFWLYDWHGZKHQWKLV:HOFRPH
VFUHHQDSSHDUV
6WHSWKURXJKDFFRXQW
UHJLVWUDWLRQ
-XVWIROORZWKHSURPSWVXQWLO\RX
VHHWKH&RQJUDWXODWLRQVVFUHHQ
6WHS
*HWWLQJ+HOS
5HDGWKH5HIHUHQFH*XLGH
7ROHDUQDOODERXWWKHIHDWXUHV
RI\RXUQHZKLSWRSUHDGWKH
5HIHUHQFH*XLGHLQFOXGHGLQWKH
ER[
2SHQWKHRQGHYLFH2ZQHU·V
0DQXDO
:KLOHXVLQJ\RXUGHYLFH\RXFDQ
UHIHUHQFHWKH2ZQHU·V0DQXDO
 3UHVV-803
 3UHVV0(18 
 6HOHFW+HOS!2ZQHU·V0DQXDO


KLSWRS7/&
7DNH\RXUKLSWRSHYHU\ZKHUH\RXJREXWUHPHPEHUWRFDUU\LWLQDFDVHRUKROVWHU
7KHVFUHHQVDUHH[SHQVLYHWRUHSODFH
:DWHUFDQVHULRXVO\GDPDJH\RXUKLSWRSDQGFKDUJHU³HYHQVPDOODPRXQWVOLNH
VWHDPIURPKRWZDWHULQWKHNLWFKHQRUEDWKURRPRUGURSVRIVRGDIURPDFDQLQ\RXU
FDU·VFXSKROGHUFDQGRKDUP³VRWDNHFDUHWRNHHS\RXUKLSWRSGU\DQGVDIH
6LJQLQJLQWRWKH'HVNWRS,QWHUIDFH
7KHGDWD\RXVWRUHRQ\RXUKLSWRSLVDOVRDYDLODEOHIRUYLHZLQJRUHGLWLQJRQWKH:HE
IURPDQ\FRPSXWHUFRQQHFWHGWRWKH,QWHUQHW7RUHDFKWKLV´'HVNWRS,QWHUIDFHµWR
\RXUKLSWRS·VGDWDIROORZWKHVHVWHSV
 2Q\RXUFRPSXWHUSRLQW\RXU:HEEURZVHUWR
3ODFH85/VWLFNHUKHUH!
 7KH'HVNWRS,QWHUIDFH6LJQ,QSDJHRSHQV
7\SH\RXUGHYLFH·V
8VHUQDPH
DQG
3DVVZRUG
WKHQFOLFN
6LJQ,Q
<RXU-XPSSDJHRSHQV
&RS\ULJKW'DQJHU,QF$OOULJKWVUHVHUYHG
5HY5HOHDVH-DQXDU\

Navigation menu