Ningbo Bird S160 Dual band GSM mobile phone User Manual S160 Generic ENG UM FCC
Ningbo Bird Co., Ltd Dual band GSM mobile phone S160 Generic ENG UM FCC
Bird S160 User Manual
0HVVDJH&HQWHU
606
1HZ0HVVDJH
,QER[
(QFU\SWHG0HVVDJHV
6HQW
'UDIWV
7HPSODWH
6HWWLQJV
&HOO%URDGFDVW
9RLFH0DLO
0HPRU\6WDWXV
006
1HZ0HVVDJH
,QER[
'UDIW
2XWER[
6HQW
6HWWLQJV
7HPSODWHV
&DOO5HFRUGV
&DOOUHFRUGVOLVW
9LHZ
6HQG606
6HQG006
&DOO
6DYH
$GGWR([LVWLQJ
6HQG&DUG
'HOHWH
'HOHWHDOO
)LOWHU&RQWDFW
&DOO7LPHUV
606&RXQWHUV
'LDOHG
5HFHLYHG
0LVVHG
)LOWHUHG
([WUDV
7XQHU
0\3ODQQHU
&DOFXODWRU
3HUSHWXDO&DOHQGDU
1RWH%RRN
6WRSZDWFK
&RQYHUWHU
:RUOG7LPHV
&XUUHQF\&RQYHUWHU
+HLJKW:HLJKW
%LRUK\WKP
67.
:$3
0\)DYRULWH
*DPHV
3KRQH%RRN
&RQWDFWVOLVW
9LHZ
6HQG606
6HQG006
&DOO
$GG1HZ
6HDUFK
(GLW
6HQG&DUG
'HOHWH
&RS\
&KDQJH*URXS
6SHHG'LDO
)LOWHU&RQWDFW
&RQWDFWV)LOWHUHG
0DQDJH*URXSV
2ZQ1XPEHU
/LVW&KRLFH
0HPRU\6WDWXV
6HWWLQJV
3KRQH6HWWLQJV
7LPHDQG'DWH
/DQJXDJH
+RWNH\V6HWWLQJ
$XWR.H\SDG/RFN
,QSXW0HWKRGV
5LQJWRQH6HWWLQJV
5LQJWRQH
9ROXPH
,QFRPLQJ&DOO$OHUW
,QFRPLQJ0HVVDJH$OHUW
%DWWHU\/RZ$OHUW
'LVSOD\6HWWLQJV
:DOOSDSHU
'HVNWRS
%DFNOLJKW
&RQWUDVW
&DOO6HWWLQJV
$XWR5HGLDO
&DOO:DLWLQJ
&DOO'LYHUW
&DOO%DUULQJ
+HDG6HW$QVZHU
0LQXWH5HPLQGHU
$QRQ\PRXV
1HWZRUN6HWWLQJV
$XWR6HOHFW
0DQXDO6HOHFW
6HFXULW\6HWWLQJV
3,1
3,1
3KRQH3DVVZRUG
5HVWRUH)DFWRU\6HWWLQJV
$ODUP
8VLQJ\RXU3KRQH
6ZLWFKLQJ212))
/RQJSUHVVWKH5HGNH\WRVZLWFK21\RXUSKRQH
,I6,0FDUGLVEHLQJSURWHFWHGE\3,1\RXKDYHWRHQWHUWKH
FRUUHFW3,1FRGH
,IWKHSKRQHSDVVZRUGKDVEHHQDFWLYDWHG\RXKDYHWRHQWHU
WKHSKRQHSDVVZRUGWRXQORFN\RXUSKRQH
$IWHUVZLWFKHG21WKHSKRQHZLOODXWRPDWLFDOO\VHDUFKWKH
QHWZRUN
1HWZRUNQDPHDQGVLJQDOOHYHOZLOOGLVSOD\LQVFUHHQLIWKH
SKRQHKDVVHDUFKHGWKHDXWKRUL]HGQHWZRUN
2WKHUZLVH WKH SKRQH FRXOG RQO\ XVH VRPH QRQ
FRPPXQLFDWLRQIXQFWLRQOLGHPHUJHQF\FDOOV
/RQJSUHVVWKH5HGNH\WRVZLWFK2))\RXUSKRQH
0DNLQJDFDOO
,QLGOHPRGHSUHVVWKHQXPHULFNH\VFRUUHVSRQGLQJWRHQWHU
WKHSKRQHQXPEHULQFOXGLQJWKHQHFHVVDU\FRXQWU\FRGHDQG
GLVWULFW QXPEHU ORQJ SUHVV WKH >@ NH\ WR LQSXW WKH SUHIL[
V\PERO³´ORQJSUHVVWKHNH\WRLQSXW³3´ZKLFKFDQWRGLDOD
IL[HG H[WHQVLRQ QXPEHU SUHVV WKH 5LJKW VRIW NH\ >'HOHWH@ WR
GHOHWHWKHZURQJHQWHUSUHVVWKH*UHHQNH\WRPDNHDFDOO
,Q LGOH PRGH SUHVV WKH GRZQ QDYLJDWRU NH\ RU VHOHFW
3KRQHERRNLQWKHPDLQPHQXWRHQWHUWKHSKRQHERRNFRQWDFWV
OLVWLQWHUIDFHILQGWKHFRQWDFW\RXZDQWWKHQSUHVVWKH*UHHQ
NH\WRGLDO
,QLGOHPRGHSUHVVWKH*UHHQ NH\ WRHQWHUWKHUHFHQWFDOO
UHFRUGVILQGWKHUHFRUG\RXZDQWWKHQSUHVVWKH*UHHQNH\
WRGLDO
<RXFDQGLUHFWO\GLDOWKHHPHUJHQF\VHUYLFHQXPEHUZLWKRXW
6,0FDUG 'LIIHUHQWQHWZRUNV XVH GLIIHUHQWHPHUJHQF\VHUYLFH
QXPEHU VR IRU GHWDLOV SOHDVH LQTXLUH WKH QHWZRUN 2SHUDWRU
&RPSDQ\
:KHQGLDOLQJDFDOOWKHGLDOLQJDQLPDWLRQZLOOGLVSOD\LQVFUHHQ
ZKHQWKHRWKHUVLGHDQVZHUVFDOOVWDWXVLQIRUPDWLRQZLOOGLVSOD\
LQWKHVFUHHQSUHVVWKHXSGRZQQDYLJDWRUNH\VWRDGMXVW WKH
FDOOYROXPH'XULQJDFDOOSUHVVWKH5LJKWVRIWNH\>+)UHH@WR
VZLWFK +)UHH RU FORVH SUHVV WKH /HIW VRIW NH\ >2SWLRQV@ WR
HQWHUFDOORSWLRQVZKLFKFDQEHRQO\VHHQGXULQJFDOO
$VIRUDFWLYDWLRQRIWKHFRQIHUHQFHIXQFWLRQ\RXQHHGWRDSSO\
WRWKHFRUUHVSRQGLQJQHWZRUN2SHUDWRU&RPSDQ\
5HFHLYLQJDFDOO
:KHQ\RXUHFHLYHDFDOOWKHQXPEHURI\RXUFRUUHVSRQGHQWLV
GLVSOD\HGZKHQLWLVSUHVHQWHGE\WKHQHWZRUN
3UHVVWKH*UHHQNH\DQGVSHDN
7RUHIXVHWKHFDOOSUHVVWKH5HGNH\
$WWKHHQGRIWKHFRQYHUVDWLRQSUHVVWKH5HGNH\WRKDQJ
XS
&DOO5HFRUGV
7KHSKRQHFDQUHJLVWHUWKHSKRQHQXPEHUVRIUHFHLYHGGLDOHG
PLVVHG FDOOV DQG WKH DSSUR[LPDWH OHQJWK RI \RXU FDOOV 7KH
SKRQHUHJLVWHUVWKHVHLWHPVRQO\LIWKHQHWZRUNVXSSRUWVWKHVH
IXQFWLRQV DQG WKH SKRQH LV VZLWFKHG RQ ZLWKLQ WKH QHWZRUN
VHUYLFHDUHDUHFRUGV RI UHFHLYHGGLDOHGDQGPLVVHGFDOOV
FDQ EH VDYHG DW PRVW UHVSHFWLYHO\ 7KH SKRQH ZLOO
DXWRPDWLFDOO\FRYHUWKHHDUOLHVWUHFRUG
,QWKHLGOHPRGHSUHVVWKH*UHHQNH\RUVHOHFWFDOOUHFRUGVLQ
WKHPDLQPHQXWREURZVHDOOFDOOUHFRUGV:KHQFDOOUHFRUGVLV
HPSW\ VFUHHQ GLVSOD\V HPSW\ RWKHUZLVH WKHUH DUH GLIIHUHQW
LFRQVEHIRUHWKHGLIIHUHQWUHFRUGVSUHVVWKH*UHHQNH\WRGLDO
WKHVHOHFWHGUHFRUGSUHVVWKH2.NH\WRGLVSOD\WKHUHFRUG¶V
FDOO GDWH WLPH QDPH DQG QXPEHU SUHVV WKH /HIW VRIW NH\
>2SWLRQV@WRPDNHWKHIROORZLQJRSHUDWLRQV9LHZ6HQG606
6HQG006&DOO6DYH$GGWR([LVWLQJ6HQG&DUG'HOHWH
'HOHWHDOO)LOWHU&RQWDFW&DOO7LPHUV606&RXQWHUV606
&RXQWHUV'LDOHG5HFHLYHG0LVVHG)LOWHUHG
g606 &RXQWHUV 9LHZ WRWDO QXPEHU RI VHQW DQG UHFHLYHG
606WKHQXPEHUGLVSOD\HGLVGLIIHUHQWIURPLQER[DQGRXWER[
LWLVFRQYHQLHQWIRUXVHUWRYLHZWRGLVSOD\VHYHUDOPHVVDJHVLQ
RQH LQWHUIDFH LQ WKH LQER[ DQG XVHU VKRXOG YLHZ WKH 606
FRXQWHUWRFKHFNDFWXDOQXPEHURIVHQWDQGUHFHLYHGPHVVDJHV
g'LDOHG5HFHLYHG0LVVHG)LOWHUHG'LVSOD\GLDOHGUHFHLYHG
PLVVHG ILOWHUHG FDOOV OLVW DQG EH PDGH RI FRUUHVSRQGLQJ
RSHUDWLRQV)RUVSHFLILFRSWLRQVDQGRSHUDWLRQVSOHDVHUHIHUWR
DERYHLQVWUXFWLRQV
$IWHUHGLWLQJDERYHRSWLRQVSUHVVWKH/HIWVRIWNH\>2SWLRQV@WR
VHOHFW>6DYH@WRFRQILUPVDYLQJ
7LS SKRQH REOLJDWHV D FHUWDLQ DPRXQW RI DYDLODEOH
PHPRU\ IRU VFKHGXOH :KHQ SKRQH JLYHV DOHUW WKDW
PHPRU\VSDFHLVIXOO\RXKDYHWRGHOHWHVRPHXQZDQWHG
VFKHGXOHUHFRUGVWRFUHDWHQHZRQHV
2QO\ZKHQSODQQHGPDWWHU¶VDOHUWLVQ¶WVHWDV>2II@LWVULQJ
WRQHVHWWLQJLVHIIHFWLYHRWKHUZLVHWKHUHLVQRDOHUW
:KHQWKHUHLVVFKHGXOHVHOHFWRQHDQGSUHVVWKH/HIWVRIWNH\
>2SWLRQV@WRPDNHWKHIROORZLQJ RSHUDWLRQV 9LHZ $GG (GLW
'HOHWH'HOHWH$OO
&DOFXODWRU
<RXUSKRQHSURYLGHV\RXDFDOFXODWRUZLWKIRXUEDVLFIXQFWLRQV
ZKLFKIDFLOLWDWHVVLPSOHFDOFXODWLRQV
7LS 7KH DFFXUDF\ UDWH RI FDOFXODWRU LV QLQH HIIHFWLYH
QXPEHUVDQGFDOFXODWLRQVRIRYHUQLQHHIIHFWLYHQXPEHUV
ZLOOFDXVHHUURUV
3HUSHWXDO&DOHQGDU
6HOHFWWKHFDOHQGDUPHQXDQGWKHVFUHHQZLOOGLVSOD\WKHFDOHQGDU
RIWKDWPRQWKZLWKGDWHRIWKDWGD\VKRZQE\DVSHFLDOFRORU
3UHVVWKHQDYLJDWRUNH\VWRPRGLI\GDWHDQGFDOHQGDULQVFUHHQ
XSVLGHZLOOEHFRUUHVSRQGLQJO\UHQHZHG
6HOHFWDGDWHDQGSUHVVWKH2.NH\WRYLHZWKHDJHQGDRIFXUUHQW
GDWHSUHVVWKH/HIWVRIWNH\>2SWLRQV@DQGPDNHWKHRSHUDWLRQV
RIYLHZLQJWKHFXUUHQWGD\¶VVFKHGXOHJRWRWKHGDWHLVHGLWHG
MXVWQRZVHWWKHVHOHFWHGGDWHDVWKHV\VWHPGDWHRIWKHSKRQH
1RWH%RRN
7KHQRWHERRNFDQRQO\UHFRUGWH[WLQIRUPDWLRQ
,IWKHUHLVQRUHFRUGLWZLOOGLVSOD\³(PSW\´SUHVVWKH/HIWVRIW
NH\>2SWLRQV@WRVHOHFW>$GG@DQGFRPHWRWKHHGLWLQJLQWHUIDFH
RIQHZUHFRUG,IWKHUHLVDUHFRUGLWZLOOGLVSOD\WKHUHFRUGOLVW
SUHVVWKH2.NH\WRYLHZWKHVHOHFWHGUHFRUGDQGSUHVVWKH/HIW
VRIWNH\>2SWLRQV@WRPDNHWKHRSHUDWLRQVRI9LHZ(GLW$GG
'HOHWHDVZHOODV'HOHWHDOO
6WRSZDWFK
8VH\RXUSKRQHDVDVWRSZDWFK
g,QGLYLGXDO7LPHU6HOHFWWKLVRSWLRQDQGSUHVVWKH/HIWVRIW
NH\>6WDUW@WRVWDUWWLPLQJSUHVVWKH/HIWVRIWNH\>5HFRUG@WR
UHFRUGQH[WWLPHDWPRVW
3UHVVWKH5LJKWVRIWNH\>%DFN@WRVWRSWLPLQJVFUHHQZLOOJLYH
DOHUWRIZKHWKHUWRH[LWRUQRWSUHVVWKH/HIWVRIWNH\><HV@WRH[LW
WLPLQJDQGSUHVVWKH5LJKWVRIWNH\>1R@WRFRQWLQXHWLPLQJ
g/DS7LPHU,WKDVWKHVDPHIXQFWLRQDVVSOLWEXWLVWLPHVDV
SHUQXPEHURIURXQGV)RUVSHFLILF RSHUDWLRQV SOHDVH UHIHU WR
>,QGLYLGXDO7LPHU@
&RQYHUWHU
6HOHFW WKLV RSWLRQ DQG SUHVV WKH 8S'RZQ QDYLJDWRU NH\V WR
VZLWFKSUHVHQWXQLWFRQYHUWHGXQLWDQGLQSXWFROXPQ
7LS 0D[LPDO LQSXW UDQJH RI XQLW FRQYHUVLRQ LV ELW
VLJQLILFDQW ILJXUHV LQFOXGLQJ GHFLPDO SRLQWV ,W KDV QR
PHDQVRILQSXWWLQJLIWKLVUDQJHLVH[FHHGHG
:RUOG7LPHV
8QGHUWKLVPHQX\RXFDQORRNXSFXUUHQWWLPHDQGWLPH]RQHV
RIGLIIHUHQWFLWLHVLQWKHZRUOGDIWHUVHOHFWLQJWKHWLPH]RQH
&XUUHQF\&RQYHUWHU
(QWHULQJFXUUHQF\WUDQVODWLRQLQWHUIDFHHQWHUH[FKDQJHUDWHDQG
FRQILUP DQG WKHQ HQWHU FRQYHUVLRQ LQWHUIDFH LQ UDWH VZLWFK
FROXPQSUHVVWKH/HIW5LJKWQDYLJDWRUNH\VWRVZLWFKSURSRUWLRQ
PHWKRGVRIFXUUHQWH[FKDQJHUDWHLHUDWHRUUHFLSURFDOYDOXHRI
GRPHVWLF FXUUHQF\ WR IRUHLJQ FXUUHQF\ SUHVV WKH 8S'RZQ
QDYLJDWRU NH\V WR VZLWFK WR GRPHVWLF FXUUHQF\ FROXPQ HQWHU
GRPHVWLFFXUUHQF\TXDQWLW\DQGGLVSOD\FRQYHUVLRQRXWFRPHLQ
IRUHLJQFXUUHQF\FROXPQLPPHGLDWHO\
+HLJKW:HLJKW
6HOHFWWKLVRSWLRQ\RXFDQSUHVVWKHQDYLJDWRUDQGQXPEHUNH\
WRVHWWKHVH[KHLJKWDQGZHLJKWUHVSHFWLYHO\
$IWHUILQLVKHGVHWWLQJSUHVVWKH2.NH\RUWKH/HIWVRIWNH\>2.@
WR YLHZ WKH LQIRUPDWLRQ RI \RXU DYRLUGXSRLV WKH UHVXOW LV
UHIHUHQFHRQO\
%LRUK\WKP
8QGHU WKLV IXQFWLRQ \RX FDQ ORRN XS WKH F\FOLF FXUYH RI
LQWHOOLJHQFH SK\VLFDO VWUHQJWK DQG VSLULW LQ GLIIHUHQW SHULRGV
DFFRUGLQJWRWKHELUWKGD\
g0\%LRUK\WKP8QGHUWKLVPHQXWKHSKRQHZLOOGLVSOD\\RXU
ELRORJLFDOFORFNFXUYHDQGQXPEHURIWKDWGD\DFFRUGLQJWRWKH
VHW ELUWKGD\ LH WKH MRLQW SLFWXUH RI WKH FXUYH RI LQWHOOLJHQFH
SK\VLFDO VWUHQJWK DQG VSLULW DQG QXPEHU 3UHVV WKH 8S'RZQ
QDYLJDWRUNH\VRUWKH2.NH\DQGWKHVFUHHQZLOOVXFFHVVLYHO\
GLVSOD\P\ELRORJLFDOFORFNDQGVHSDUDWHFXUYHDQGQXPEHURI
LQWHOOLJHQFHSK\VLFDOVWUHQJWKDQGVSLULW
3UHVVWKH5LJKW/HIWQDYLJDWRUNH\VWRVHDUFKIRUP\ELRORJLFDO
FORFNFXUYHDQGQXPEHURIDGHVLUHGGD\
g6HW%LUWKGD\8QGHUWKLVPHQXSUHVVWKHQDYLJDWRUNH\WRVHW
WKHELUWKGD\
67.
67.6,0722/.,7DOORZV6,0EDVHGRQVPDUWFDUGWRUXQLWV
RZQDSSOLFDWLRQ
7KLVSKRQHVXSSRUWVYDOXHDGGLQJVHUYLFHSURYLGHGE\67.DQG
GLIIHUHQWQHWZRUNRSHUDWRUVSURYLGHGLIIHUHQWW\SHVVRIXQFWLRQ
WDEOHZLOOGLVSOD\RQO\ZKHQ\RXU6,0FDUGVXSSRUWVLW)XQFWLRQ
WDEOHQDPHDQGFRQWHQWGHSHQGRQDYDLODEOHVHUYLFH)RU6,0
FDUGVHUYLFH¶VDYDLODELOLW\SULFHDQGLQIRUPDWLRQSOHDVHFRQVXOW
\RXUQHWZRUNRSHUDWRUVHUYLFHSURYLGHURURWKHUGHDOHUV
:$3
,QWHUQHW VXUILQJ XVLQJ WKH SKRQH LV EDVHG RQ :LUHOHVV
$SSOLFDWLRQ 3URWRFRO :$3 :$3 WUDQVODWHV WKH LQWHUQHW
ODQJXDJH LQWR :0/ DQG +70/ ODQJXDJHV XQGHUVWDQGDEOH E\
\RXU SKRQH ,W UHTXLUHV RQO\ WKH SKRQH DQG D :$3 VHUYHU
VXSSRUWWRVXUIWKHQHW<RXUQHWZRUNZLOOQHHGWRVXSSRUW WKLV
IHDWXUHIRU\RXWRVXUIWKHLQWHUQHWXVLQJ\RXUSKRQH
<RXU RSHUDWRU¶V KRPHSDJH ZLOO EH DYDLODEOH RQFH WKH :$3
PHQXLVDFFHVVHG&KHFNZLWK\RXUVHUYLFHSURYLGHUIRUGHWDLO
RQWKHZHESDJH
<RXFDQYLVLWRUFRQQHFWHGWKH:$3DGGUHVVE\
+RPHSDJH
$FFHVVWKHKRPHS
DJH
%RRNPDUNV 0DQDJHV VLWHV RU SDJHV WKDW \RX KDG
ERRNPDUNHGIRUHDVLHUDFFHVV
5HFHQW3DJHV0DQDJHVVLWHVRUSDJHVWKDW\RXKDGUHFHQWO\
YLVLWHGIRUHDVLHUDFFHVV
(QWHU85/,QSXWDQDGGUHVVDQGDFFHVVLW
3XVK%R[$FFHVVDQGPDQDJH\RXUUHFHLYHGZHEVHUYLFH
PHVVDJHVDQG:$3386+PHVVDJHV
6HWWLQJV&RQILJXUH:$3SDUDPHWHUV
$IWHURSHQLQJ WKH*356 ,QWHUQHWIXQFWLRQ \RX QHHG WR PDNH
VRPH VHWWLQJV WR UHDOL]H LW :KHQ SKRQH OHDYHV IDFWRU\ LW
DXWRPDWLFDOO\VHOHFWV SDUDPHWHUV DFFRUGLQJWR RSHUDWRU ,'IRU
GRPHVWLFXVHUVDQGWKRVHLQSDUWFRXQWULHVDQGUHJLRQVVRWKH\
GR QRW KDYH WR PDNH SDUDPHWHU VHWWLQJV EXW XVHUV LQ RWKHU
UHJLRQVQHHGWRJHWUHOHYDQWSDUDPHWHUVIURPWKHLURSHUDWRUVWR
PDNHSDUDPHWHUVHWWLQJV
6HWVXEPHQXSURYLGHVWKHFXUUHQW:$3VHUYLFHSURILOHOLVW
'LIIHUHQWSUR[LHVFDQEHVHOHFWHGLQ:$3VHWWLQJ2QOHIWVLGHRI
VHOHFWHGSUR[\WKHUHLVDER[VLJQ7RVHWDQHZSUR[\\RXFDQ
VHOHFWDQXQGHILQHGRQHWRHGLW
0\)DYRULWH
8QGHUWKLVIXQFWLRQ\RXFDQYLHZWKHLPDJHVDXGLRRURWKHUV
ZKLFKGRZQORDGIURPWKHLQWHUQHW
$IWHU YLHZLQJ SUHVV WKH /HIW 6RIW NH\>2SWLRQV@ WR PDNH WKH
FRUUHVSRQGLQJRSHUDWLRQV
([WUDV
7XQHU
7XQHU LV VXSSRUWHG E\ WKLV SKRQH $FFHVV WKH IXQFWLRQ RQO\
ZKHQ\RXSOXJWKHHDUSKRQH
,QWXQHULQWHUIDFHSUHVVWKH2.NH\WRRSHQFORVHWXQHUIXQFWLRQ
SUHVVWKH8S'RZQQDYLJDWRUNH\WRDGMXVWWKHYROXPH\RXFDQ
VHDUFK WKH FKDQQHO E\ PDQXDO HDFK SUHVV WKH /HIW
5LJKW
QDYLJDWRUNH\WRGHFUHDVHLQFUHDVH0+]
3UHVVWKH/HIWVRIWNH\>2SWLRQV@WRDFFHVVWKHIROORZLQJPHQX
g7XQHU212))2SHQRUFORVHWKHWXQHU
g6DYH&KDQQHO6DYHWKHVHOHFWHGFKDQQHOWRWKHFKDQQHOOLVW
g$XWR6HDUFK DQG5HVHW6HDUFKWKHFKDQQHODXWRPDWLFDOO\
DQGUHVHWWKHFKDQQHOOLVW
g6HW )UHTXHQF\ ,QSXW FKDQQHO IUHTXHQF\ WKDW \RX ZDQW WR
OLVWHQ7KHIUHTXHQF\YDOXHLVEHWZHHQ
0+]
DQG
0+]
g&KDQQHO/LVW6DYHFKDQQHOQDPHDQGIUHTXHQF\
$WPRVWFKDQQHOVFDQEHVDYHGLQOLVW
g6HWWLQJV$FWLYDWHRUGHDFWLYDWHEDFNJURXQGSOD\:KHQWKH
IXQFWLRQLVDFWLYDWHG\RXFDQOLVWHQWKHWXQHULQVWDQGE\RURWKHU
PHQXLQWHUIDFH
g2XW3OD\
,I\RXVHWµ2Q¶LWZLOOEHFRPHDQDPSOLILHU<RXFDQ
OLVWHQWRWKH)0ZLWKRXWILWWLQJWKHHDUSKRQHRYHU\RXUHDUV
1RWH 4XDOLW\ RI UDGLR VXEVFULSWLRQ LV SRVVLEO\ LQIOXHQFHG E\
HQYLURQPHQWOLNHLQGRRURUXQGHUVKLHOG<RXFDQLPSURYHWKLV
VLWXDWLRQ DV IROORZLQJ VWDQG FORVHU WR WKH ZLQGRZ DGMXVW WKH
SRVLWLRQRIHDUSKRQHOLQHRUDGMXVWWKHFKDQQHOPDQXDOO\
0\3ODQQHU
:LWK WKLV IXQFWLRQ \RX FRXOG H[SHGLHQWO\ PDQDJH DOO NLQGV RI
PLVVLRQVLQZRUN DQG OLIHDVZHOO DV DUUDQJH DQGUHFRUG\RXU
IXWXUHPDWWHUV:KHQ\RXUSUHDUUDQJHGPDWWHUWLPHLVXSSKRQH
ZLOOJLYHZDUQLQJWRQHIRUUHPLQGLQJ\RXWRILQLVKLW:KHQWKH
FXUUHQWVFKHGXOHLVHPSW\SUHVVWKH/HIWVRIWNH\>$GG@WRDGG
VFKHGXOLQJDQGVSHFLILFRSHUDWLRQVWHSVDUHDVIROORZV6XEMHFW
'DWH7LPH)UHTXHQF\$OHUW0HPR
66D
8VHU0DQXDO
)RUHZRUG
7KDQN\RXIRUFKRRVLQJ%LUGPRELOHSKRQH±\RXKDYHPDGHD
ZLVHFKRLFHFRQJUDWXODWLRQV
2XUFHOOXODUSKRQHVDUHDSSURYHGIRU*60QHWZRUNVDQGPHHW
VWULQJHQW (XURSHDQ VWDQGDUGV <RXU SKRQH PD\ EH XVHG
LQWHUQDWLRQDOO\ ZLWK YDULRXV QHWZRUNV GHSHQGLQJ RQ \RXU
URDPLQJDUUDQJHPHQWVZLWK\RXUVHUYLFHSURYLGHU
7RXVHWKLVSKRQH\RXPXVWVXEVFULEHWRD*60VHUYLFHIURPD
SURYLGHU :H KDYH LQFOXGHG PDQ\ IHDWXUHV LQ WKLV GHYLFH EXW
WKHLU IXQFWLRQ GHSHQGV RQ WKH IHDWXUHV DYDLODEOH ZLWK \RXU
VXEVFULEHGZLUHOHVVQHWZRUN
3OHDVHFRQWDFW\RXUVHUYLFHSURYLGHUIRUPRUHLQIRUPDWLRQ
7KLV8VHU0DQXDOLVSXEOLVKHGE\WKHPDQXIDFWXUHUZLWKRXWDQ\
ZDUUDQW\
5HYLVLRQV DQG LPSURYHPHQWV UHVXOWLQJ IURP W\SRJUDSKLFDO
HUURUVLQDFFXUDF\RIFXUUHQWLQIRUPDWLRQDQGLPSURYHPHQWVWR
WKH GHYLFH RU VRIWZDUH PD\ EH GRQH ZLWKRXW DQ\ SULRU
QRWLILFDWLRQEXWZLOOEHLQFRUSRUDWHGLQWRQHZHUHGLWLRQV0RUH
LQIRUPDWLRQDQG KHOSRQ \RXUSKRQH PD\EH DYDLODEOH DW WKH
PDQXIDFWXUHU¶VZHEVLWH7KHPDQXIDFWXUHUUHVHUYHVDOOULJKWVWR
WKHFRQWHQWVKHUHLQ
&RS\ULJKWV DQG WUDGH PDUNV PHQWLRQHG LQ WKLV GRFXPHQW
UHPDLQ ZLWK WKHLU UHVSHFWLYH RZQHU 5HSURGXFWLRQ WUDQVIHU
VWRUDJH RU GLVWULEXWLRQ LQ ZKROH RU LQ SDUW RI FRS\ULJKWHG
PDWHULDOV ZLWKRXW SULRU ZULWWHQ SHUPLVVLRQ LV H[SUHVVO\
SURKLELWHG
:HVWURQJO\UHFRPPHQG\RXFDUHIXOO\UHDGDQGXQGHUVWDQGWKLV
PDQXDOEHIRUHXVLQJ\RXUSKRQHLQRUGHUWRNHHSLWXQGHUEHVW
FRQGLWLRQVIRU\RXUHIIHFWLYHXVDJHDQGXWPRVWVDWLVIDFWLRQ
.QRZLQJWKH.H\V
.H\'HVFULSWLRQ
/HIW VRIWNH\5LJKW VRIWNH\ ,PSOHPHQW WKH
IXQFWLRQVVKRZQLQWKHORZHUOHIWULJKWKDQGFRUQHU
&DOO$QVZHU NH\ *UHHQ NH\ 0DNH DQG SLFN XS
FDOO ,Q LGOH PRGH SUHVV WKLV NH\ WR GLVSOD\ \RXU
UHFHQWFDOOUHFRUGV
2Q2II (QG&DQFHO NH\ 5HG NH\ (QG FDOO RU
UHMHFWWKHLQFRPLQJFDOO
/RQJSUHVVWRVZLWFK21RU2))WKHSKRQH
,QHGLWPRGHSUHVVWKLVNH\WRH[LWWKHHGLWPRGH
,QRWKHULQWHUIDFHVWRGLUHFWO\UHWXUQWRLGOHPRGH
1DYLJDWRUNH\V7RPRYHOHIWULJKWXSRUGRZQWKH
FXUVRURUEURZVHWKHPHQX,Q LGOHPRGHSUHVVRU
ORQJ SUHVV WR HQWHU WKH FRUUHVSRQGLQJ PHQX RU
IXQFWLRQV
2.NH\,QLGOHPRGHWRHQWHUPDLQPHQX
,QJHQHUDOVLWXDWLRQLWLVLGHQWLFDOZLWKWKHOHIWVRIWNH\
$OSKDQXPHULFNH\V%HXVHGWRGLDODQGLQSXWWH[W
LQ HGLW LQWHUIDFH /RQJ SUHVV WKH >@ NH\ WR LQSXW
LQWHUQDWLRQDOLQLWLDOGLDOXS³´
6SHHGGLDONH\(GLWJURXSVRIVSHHGGLDOQXPEHUV
FRUUHVSRQGLQJQXPHULFNH\VDUH>@>@ORQJSUHVV
WKHGHIDXOWVSHHG GLDO NH\DQGWKHQ SUHVV WKH &DOO
NH\FRXOGGLUHFWO\GLDO
NH\NH\,QLGOHPRGHSUHVVWKHNH\WRLQSXW
ORQJSUHVVWRDFWLYDWHRUGHDFWLYDWHWKHIRUFHGVLOHQW
PRGH,QLGOHPRGHSUHVVWKHNH\WRLQSXWORQJ
SUHVVWRORFNRUXQORFNWKHNH\SDG
$FFHVVRULHV
8VHRQO\EDWWHULHVFKDUJHUVDQGDFFHVVRULHVDSSURYHGE\%LUG
ZLWK WKLV GHYLFH 8VH RI DQ\ RWKHU W\SHV ZLOO LQYDOLGDWH WKH
ZDUUDQW\ DQG PD\ EH GDQJHURXV &KHFN ZLWK \RXU GHDOHU IRU
DYDLODEOHDFFHVVRULHV<RXPD\RSWWREX\
([WUD%DWWHU\
([WUD EDWWHULHV RI YDULRXV FDSDFLWLHV DUH DYDLODEOH IURP RXU
FRPSDQ\RUWKURXJK\RXUGHDOHU
4XLFN&KDUJHU
/LJKWZHLJKWSUDFWLFDOTXLFNFKDUJHUVXVHGWRFRQQHFWZLWKWKH
86%GDWDFDEOHIRUFKDUJLQJ RQ ZDOORXWOHWV&KDUJLQJWLPHLV
DERXW WR KRXUV 7KH FKDUJLQJ FRQGLWLRQ LV GLVSOD\HG RQ
VFUHHQ<RXPD\XVH\RXUSKRQHZKLOHFKDUJLQJ
(DUSKRQH
$PLQLSUDFWLFDOKDQGVIUHHGHYLFH\RX FDQXVHLWVEXWWRQWR
DQVZHU DQG HQG FDOOV 6RPH PRGHOV PD\ DOVR FRPH ZLWK D
YROXPHFRQWURONQRE
'2127SOXJRUXQSOXJWKHHDUSKRQHZKHQFRQQHFWLQJGLDOHG
RULQFRPLQJFDOOV
,FRQ'HVFULSWLRQ
1HWZRUN VLJQDO OHYHO 7KH PRUH WKH VWUDLJKW
VWULSHVWKHVWURQJHUWKHQHWZRUNVLJQDOLV
*356 QHWZRUN VLJQDO
7KH SKRQH KDV EHHQ
FRQQHFWHGZLWK*356QHWZRUN
1HZ606LFRQ606XQUHDGLQWKHLQER[
0HVVDJHIXOOLFRQ:KHQWKHLQER[LVIXOOWKLVLFRQ
ZLOOEHGLVSOD\HGDQGIODVKHG\RXKDYHWRGHOHWHDW
OHDVWRQHPHVVDJHWRUHFHLYHWKHQHZRQH
1HZ006LFRQ006XQUHDGLQWKHLQER[
$ODUP FORFN $ODUP FORFN IXQFWLRQ KDV EHHQ VHW
DQGDFWLYDWHG
&DOOGLYHUW'LYHUW8QFRQGLWLRQDOFDOOVKDVEHHQVHW
DQGDFWLYDWHG
%DWWHU\ SRZHU 7KH IXOOHU WKH ILOO WKH PRUH WKH
EDWWHU\HOHFWULFPDVVLV
,QFRPLQJ&DOO$OHUW7\SHV
$OHUW W\SHV RI LQFRPLQJ FDOO DUH 5LQJ 9LEUDWH
6LOHQW 9LEUDWH WKHQ 5LQJ 9LEUDWH 5LQJ
$VFHQGLQJ
8QGHUVWDQGLQJ'LVSOD\,FRQV
,QVWDOOLQJ6,0FDUG
.HHS6,0FDUGRXWRIFKLOGUHQ¶VWRXFK
$Q\DEUDVLRQRUIROGLQJFRXOGHDVLO\GDPDJH6,0FDUGVR
SOHDVHEHH[WUHPHO\FDUHIXOZKHQ\RXLQVHUWUHPRYHDQG
SUHVHUYHLW
3OHDVHPDNHVXUHWKDW\RXKDYHFXWRIIWKHSRZHUVXSSO\
DQGKDYHWDNHQRXWEDWWHU\EHIRUH\RXUHPRYH6,0FDUG
)LQG 6,0 FDUG¶V JURRYH LQ WKH
EDFN RI WKH SKRQH DQG VOLGH LW
FRPSOHWHO\WKHUH
'XULQJ LQVWDOODWLRQ SOHDVH PDNH
VXUHWKHFKLSLVIDFLQJGRZQZDUGV
DQGSD\DWWHQWLRQWRVORWGLUHFWLRQ
,QVWDOOLQJ%DWWHU\
$OLJQWKHEDWWHU\FKLSZLWKWKHPHWDOOLFVDOLHQWSRLQWLQEDWWHU\
MDULQVHUWWKHEDWWHU\XQWLOLWLVLQVHUWHGLQWRWKHEDWWHU\MDU
6OLGHEDWWHU\FRYHULQWREDFNRIWKHSKRQHXQWLOLWLVORFNHG
5HIHUWRWKHILJXUH
5HPRYLQJ%DWWHU\
6ZLWFKRIIWKH SKRQH OLIWWKHEDFNFRYHUDWWKHERWWRPVLGHRI
WKHSKRQHWRUHPRYHWKHQOLIWWKHEDWWHU\DWWKHERWWRPVLGHWR
UHPRYH
$OO VHWWLQJV RU LQIRUPDWLRQ VWRUHG LQ 6,0 FDUG DQG WKH
SKRQHPD\EHORVWZKHQWKHEDWWHU\LVUHPRYHG
3OHDVH UHPRYH WKH EDWWHU\ ZKHQ WKH SKRQH LV VZLWFKHG
RII EHFDXVH LW PD\ VXIIHU IURP DEQRUPLW\ LI \RX UHPRYH
WKHEDWWHU\ZKHQLWLVVZLWFKHGRQ
&KDUJLQJ%DWWHU\
8QFORVHGXVWSURRIVRIWJXPRIDWWDFKPHQWPRGHRQWKHERWWRP
RIWKHSKRQHLQVHUWRQHHQGRIWKHFKDUJHU LH WKH FKDUJLQJ
SOXJ LQWR DWWDFKPHQW PRGH DQG WKH RWKHU HQG LQWR HOHFWULFDO
RXWOHW,IWKHSKRQHLVVZLWFKHGRQDQGWKHEDWWHU\SRZHULFRQ
VWULSHV LQ ULJKW KDQG RI WKH VFUHHQ DUH UROOLQJ WKHQ LW LV
FKDUJLQJ ,I WKH VWULSHV DUH IXOO DQG KDYH VWRSSHG UROOLQJ LW LV
IXOO\FKDUJHG
,IWKHSKRQHLVVZLWFKHGRIIZKHQFKDUJLQJWKHLQIRUPDWLRQRI
WKHFKDUJLQJZLOOGLVSOD\LQVFUHHQ
$IWHUFKDUJLQJLVILQLVKHGMXVWSXOORXWWKHSOXJ
:KHQ WKH EDWWHU\ FXUUHQW LV ORZ WKH SKRQH ZLOO JLYH
ZDUQLQJ DOHUW DQG ZKHQ LW LV WRR ORZ WKH SKRQH ZLOO
DXWRPDWLFDOO\VZLWFK2))'RQRWNHHSWKHEDWWHU\FXUUHQW
ORZIRUD ORQJ WLPH RWKHUZLVHWKHEDWWHU\TXDOLW\ DQG OLIH
FRXOGEHGDPDJHG
$SUHFKDUJHZLOORFFXUZKHQWKHEDWWHU\YROWDJHLVWRRORZ
VRLWLVQRUPDOWKDWWKHSKRQHPD\QRWJLYHFKDUJLQJDOHUW
7R JXDUDQWHH WKH SKRQH¶V QRUPDO ZRUN SOHDVH XVH WKH
GHVLJQDWHGFKDUJHU
'RQRWGLUHFWO\UHPRYHWKHEDWWHU\SDQHOZKHQFKDUJLQJ
7KH SKRQH PXVW EH SXW LQ D YHQWLODWHG SODFH ZLWK WKH
DPELHQWWHPSHUDWXUHRI&a&ZKHQFKDUJLQJ
6HFXULW\FRGHV
3,1FRGH
7KLVLVWKH SULYDWH LGHQWLW\FRGHRI \RXU 6,0FDUGDQG 3,1 LV
XVXDOO\SURYLGHGE\WKH2SHUDWRU&RPSDQ\
3,1FRGH
3,1FRGHLVSURYLGHGE\WKH2SHUDWRU&RPSDQ\WRJHWKHUZLWK
VRPH6,0FDUGV
,I\RX HQWHUWKH ZURQJ 3,1WKH 6,0 FDUG ZLOO EHORFNHG DQG
3,1FRGHIRUVXFFHVVLYHWKUHHWLPHV\RXQHHGWRHQWHU38.
DQG 38. FRGH WR XQORFN )RU IXUWKHU LQIRUPDWLRQ SOHDVH
FRQWDFWWKHQHWZRUN2SHUDWRU&RPSDQ\
38.FRGH
&KDQJHRIORFNHG3,1QHHGV38.WKHSULYDWHXQORFNLQJFRGH
38. DQG 6,0 FDUG DUH SURYLGHG WRJHWKHU 2WKHUZLVH SOHDVH
FRQWDFW\RXUVHUYLFHSURYLGHUWRREWDLQWKHFRGH,I\RXORVHWKLV
FRGH\RXVKRXOGDOVRFRQWDFW\RXVHUYLFHSURYLGHU
3KRQHFRGH
3KRQH FRGH FDQ SUHYHQW RWKHUV WR XVH \RXU SKRQH ZLWKRXW
DXWKRUL]DWLRQ RULJLQDO SKRQH FRGH LV 7R SURWHFW WKH
VDIHW\ RI \RXU SHUVRQDO LQIRUPDWLRQ SOHDVH WLPHO\ PRGLI\ WKH
RULJLQDOSKRQHORFNFRGH
3UHSDULQJ\RXUSKRQH 0HQX6WUXFWXUH
1RWH$FWXDORSHUDWLQJFRQGLWLRQVGHSHQGRQWKHORFDO
QHWZRUNHQYLURQPHQW6,0DQGXVHUEHKDYLRU
:DUQLQJ$Q\FRQVHTXHQFHFDXVHGE\PLVXVHDEXVH
RU QRW IROORZLQJ DQ\ DQG DOO RI WKH DERYHZULWWHQ
VXJJHVWLRQVDQGLQVWUXFWLRQVVKDOOQRWKROGWKHSURGXFHU
LQDQ\ZD\UHVSRQVLEOHWRDQ\GHJUHH
$QQRXQFHPHQW7KH PDQXIDFWXUHUUHVHUYHV WKHULJKW
WR FKDQJH RU XSJUDGH VSHFLILFDWLRQV RU VRIWZDUH
YHUVLRQVZLWKRXWSULRURUVHSDUDWHQRWLFH7UDGHPDUNV
PHQWLRQHG RU XVHG LQ WKLV PDWHULDO EHORQJ WR WKHLU
UHVSHFWLYHRZQHUV
:HLJKW$ERXWJLQFOXGLQJEDWWHU\
'LPHQVLRQV[[PP
%DWWHU\/LLRQ%DWWHU\9
6VXSSRUWV(XURSHEDQG
*600+]'&60+]
6DVXSSRUWV$PHULFDEDQG
*600+]3&60+]
%DWWHU\7LPH1RSULRURUVHSDUDWHQRWLFHLVUHTXLUHGIRUFDSDFLW\
FKDQJHV
%DWWHU\7\SH%DWWHU\&DSDFLW\7DON7LPH6WDQGE\7LPH
/LLRQP$KDERXWKUVDERXWKUV
7HFKQLFDO6SHFLILFDWLRQV
)('(5$/ &20081,&$7,216 &200,66,21
,17(5)(5(1&(67$7(0(17
7KLVGHYLFHFRPSOLHVZLWK3DUWRIWKH)&&5XOHV2SHUDWLRQ
LV VXEMHFW WR WKH FRQGLWLRQ WKDW WKLV GHYLFH GRHV QRW FDXVH
KDUPIXOLQWHUIHUHQFH
7KLV PRELOH GHYLFH PHHWV JXLGHOLQHV IRU H[SRVXUH WR UDGLR
ZDYHV<RXUPRELOHGHYLFHLVDUDGLRWUDQVPLWWHUDQGUHFHLYHU,W
LVGHVLJQHGQRWWRH[FHHGWKHOLPLWVIRUH[SRVXUHWRUDGLRZDYHV
UHFRPPHQGHGE\LQWHUQDWLRQDOJXLGHOLQHV
7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKH
OLPLWVIRUD&ODVV%GLJLWDOGHYLFHSXUVXDQWWR3DUWRIWKH)&&
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,IWKLVHTXLSPHQWGRHVFDXVHKDUPIXOLQWHUIHUHQFHWR
UDGLR RU WHOHYLVLRQ UHFHSWLRQ ZKLFK FDQ EH GHWHUPLQHG E\
WXUQLQJWKHHTXLSPHQWRIIDQGRQWKHXVHULVHQFRXUDJHGWRWU\
WR FRUUHFW WKH LQWHUIHUHQFH E\ RQH RU PRUH RI WKH IROORZLQJ
PHDVXUHV
5HRULHQWRUUHORFDWHWKHUHFHLYLQJDQWHQQD
,QFUHDVHWKHVHSDUDWLRQEHWZHHQWKHHTXLSPHQWDQGUHFHLYHU
&RQQHFWWKHHTXLSPHQWLQWRDQRXWOHWRQDFLUFXLWGLIIHUHQWIURP
WKDWWRZKLFKWKHUHFHLYHULVFRQQHFWHG
&RQVXOWWKHGHDOHURUDQH[SHULHQFHGUDGLR79WHFKQLFLDQIRU
KHOS
&$87,21
$Q\ FKDQJHV RU PRGLILFDWLRQV QRW H[SUHVVO\ DSSURYHG E\ WKH
JUDQWHHRIWKLVGHYLFHFRXOGYRLGWKHXVHUVDXWKRULW\WRRSHUDWH
WKHHTXLSPHQW
%RG\ZRUQ RSHUDWLRQV DUH UHVWULFWHG WR EHOWFOLSV KROVWHUV RU
VLPLODU DFFHVVRULHV WKDW KDYH QR PHWDOOLF FRPSRQHQW LQ WKH
DVVHPEO\DQGPXVWSURYLGHDWOHDVWFPVHSDUDWLRQEHWZHHQ
WKHGHYLFHDQGWKHXVHU¶VERG\
5)H[SRVXUHZDUQLQJ
7KHHTXLSPHQWFRPSOLHVZLWK)&&5)H[SRVXUHOLPLWVVHWIRUWK
IRU DQ XQFRQWUROOHG HQYLURQPHQW 7KH HTXLSPHQW PXVW QRW EH
FRORFDWHGRURSHUDWLQJLQFRQMXQFWLRQZLWKDQ\RWKHUDQWHQQDRU
WUDQVPLWWHU
6$59DOXH:J
6DIHW\
1HYHUDWWHPSWWRGLVDVVHPEOH\RXUSKRQH
<RXDORQHDUHUHVSRQVLEOHIRUKRZ\RXXVH\RXUSKRQHDQGDQ\
FRQVHTXHQFHVRILWVXVH
$VDJHQHUDOUXOHDOZD\VVZLWFKRII\RXU
SKRQHZKHUHYHUWKHXVH
RIDSKRQHLVSURKLELWHG
8VHRI\RXUSKRQHLVVXEMHFWWRVDIHW\PHDVXUHV GHVLJQHG WR
SURWHFWXVHUVDQGWKHLUHQYLURQPHQW
'R QRW XVH \RXU SKRQH LQ GDPS DUHDV EDWKURRP VZLPPLQJ
SRRO«3URWHFWLWIURPOLTXLGVDQGRWKHUPRLVWXUH
'RQRWH[SRVH\RXUSKRQHWRH[WUHPHWHPSHUDWXUHVORZHUWKDQ
&DQGKLJKHUWKDQ&
7KH SK\VLFRFKHPLFDO SURFHVVHV FUHDWHG E\ FKDUJHUV LPSRVH
WHPSHUDWXUH OLPLWV ZKHQ FKDUJLQJ WKH EDWWHU\ <RXU SKRQH
DXWRPDWLFDOO\SURWHFWVWKHEDWWHULHVLQH[WUHPHWHPSHUDWXUHV
'R QRW OHDYH \RXU SKRQH ZLWKLQ WKH UHDFK RI VPDOO FKLOGUHQ
FHUWDLQUHPRYDEOHSDUWVPD\EHDFFLGHQWDOO\LQJHVWHG
(OHFWULFDOVDIHW\
2QO\XVHWKHFKDUJHUVOLVWHGLQWKHPDQXIDFWXUHU¶V
FDWDORJXH8VLQJ
DQ\RWKHUFKDUJHUPD\EHGDQJHURXVLWZRXOGDOVRLQYDOLGDWH
\RXUZDUUDQW\/LQHYROWDJHPXVWEHH[DFWO\WKHRQHLQGLFDWHGRQ
WKHFKDUJHU¶VVHULDOSODWH
$LUFUDIWVDIHW\
:KHQWUDYHOLQJE\SODQH\RXZLOOQHHGWRVZLWFK\RXUSKRQHRII
ZKHQVRLQVWUXFWHGE\WKHFDELQFUHZRUWKHZDUQLQJVLJQV
8VLQJDPRELOHSKRQHPD\EHGDQJHURXVWRWKHRSHUDWLRQRIWKH
DLUFUDIWDQGPD\GLVUXSWWKHSKRQHQHWZRUN
,WVXVHLVLOOHJDODQG\RXFRXOGEHSURVHFXWHGRUEDQQHGIURP
XVLQJFHOOXODUQHWZRUNVLQWKHIXWXUHLI\RXGRQRWDELGHE\WKHVH
UHJXODWLRQV
([SORVLYHPDWHULDOV
3OHDVHFRPSO\ZLWKZDUQLQJVLJQVDWSHWUROVWDWLRQDVNLQJ\RXWR
VZLWFK\RXUSKRQHRII
<RXZLOOQHHGWRFRPSO\ZLWKUDGLRHTXLSPHQWXVDJHUHVWULFWLRQV
LQ SODFHV VXFK DV FKHPLFDO SODQWV IXHO GHSRWV DQG DW DQ\
ORFDWLRQZKHUHEODVWLQJRSHUDWLRQVDUHXQGHUZD\
(OHFWURQLFHTXLSPHQW
7R DYRLG WKH ULVN RI GHPDJQHWL]DWLRQ GR QRW OHW HOHFWURQLF
GHYLFHVFORVHWR\RXUSKRQHIRUDORQJWLPH
(OHFWURQLFPHGLFDOHTXLSPHQW
<RXU SKRQH LV D UDGLR WUDQVPLWWHU ZKLFK PD\ LQWHUIHUH ZLWK
HOHFWURQLFPHGLFDOHTXLSPHQWRULPSODQWVVXFKDVKHDULQJDLGV
SDFHPDNHUV LQVXOLQ SXPSV HWF ,W LV UHFRPPHQGHG WKDW D
PLQLPXP VHSDUDWLRQ RI FP EH PDLQWDLQHG EHWZHHQ WKH
SKRQHDQGDQLPSODQW<RXUGRFWRURUWKHPDQXIDFWXUHUVRIVXFK
HTXLSPHQWZLOOEHDEOHWRJLYH\RXDQ\DGYLFH\RXPD\QHHGLQ
WKLVDUHD
+RVSLWDOV
$OZD\VPDNHVXUHWKDW\RXUSKRQHLVVZLWFKHGRIILQKRVSLWDOV
ZKHQVRLQVWUXFWHGE\ZDUQLQJVLJQVRUE\PHGLFDOVWDII
5RDGVDIHW\
'RQRWXVH\RXUSKRQHZKHQGULYLQJ,QRUGHUWRJLYH\RXUIXOO
DWWHQWLRQWRGULYLQJVWRSDQGSDUNVDIHO\EHIRUHPDNLQJDFDOO
<RXPXVWFRPSO\ZLWKDQ\FXUUHQWOHJLVODWLRQ
'LVWDQFHRIRSHUDWLRQ
7KLVSKRQHPRGHOKDVEHHQWHVWHGDQGPHHWVUDGLRIUHTXHQF\
H[SRVXUHJXLGHOLQHVZKHQXVHGDVIROORZV
$JDLQVWWKHHDUSODFHRUUHFHLYHDSKRQHFDOODQGKROGWKH
SKRQHDV\RXZRXOGDZLUHOLQHWHOHSKRQH
%RG\ZRUQZKHQWUDQVPLWWLQJSODFH WKHSKRQHLQDFDUU\
DFFHVVRU\WKDWFRQWDLQVQRPHWDODQGSRVLWLRQVWKHSKRQHD
PLQLPXPRIFPIRUP\RXUERG\8VHRIRWKHUDFFHVVRULHV
PD\ QRW HQVXUH FRPSOLDQFH ZLWK UDGLRIUHTXHQF\ H[SRVXUH
JXLGHOLQHV,I\RXGRQRWXVHDERG\ZRUQDFFHVVRU\DQGDUH
QRW KROGLQJ WKH SKRQH DW WKH HDU SRVLWLRQ WKH SKRQH D
PLQLPXPRIFRQIRUP\RXUERG\
'DWD RSHUDWLRQ ZKHQ XVLQJ D GDWD IHDWXUH SRVLWLRQ WKH
SKRQHDPLQLPXPRI FPIURP\RXUERG\IRUWKH ZKROH
GXUDWLRQRIWKHGDWDWUDQVPLVVLRQ
g
g
g
g
g
g
g
g
g
g
&DULQJIRU%DWWHU\
7KLVSKRQHXVHVDUHFKDUJHDEOHEDWWHU\DVDSRZHUVRXUFH
ZKHQWKH FKDUJH LVZHDN UHFKDUJH LPPHGLDWHO\WRSURWHFW
WKHEDWWHU\OLIH,WLVEHVWWRGUDLQWKHEDWWHU\FKDUJHILUVW
:KHQQRWXVLQJWKHFKDUJHUXQSOXJLWIURPWKHSRZHUVRXUFH
DQGWKHSKRQH2YHUFKDUJLQJZLOOVKRUWHQWKHEDWWHU\OLIH'R
QRW OHDYH WKH FKDUJHU FRQQHFWHG WR WKH XQLW RU EDWWHU\ IRU
PRUHWKDQDZHHN
7HPSHUDWXUH DIIHFWV EDWWHU\ FKDUJH FDSDFLW\ <RXU EDWWHU\
PD\QHHGWREHZDUPHGXSRUFRROHGGRZQEHIRUHFKDUJLQJ
,I WKH EDWWHU\ WHPSHUDWXUH LV PRUH WKDQ & LW ZLOO QRW
UHFKDUJH
8VHWKHEDWWHU\IRULWVRULJLQDOSXUSRVH'RQRWVKRUWFLUFXLW
WKHEDWWHU\E\FRQQHFWLQJWKHSRVLWLYHDQGQHJDWLYHWHUPLQDOV
ZLWKDFRQGXFWRU
'RQRWXVHDGDPDJHGEDWWHU\
7KH EDWWHU\ ZLOO QRW SHUIRUP SURSHUO\ DQG LWV OLIH ZLOO EH
VKRUWHQHGLIH[SRVHGWRH[WUHPHWHPSHUDWXUHV
'R QRW GLVSRVH WKH EDWWHU\ LQ ILUH ZKLFK PD\ FDXVH LW WR
EXUVW)ROORZORFDOODZVDQGRUGLQDQFHVLQGLVSRVLQJRIXVHG
EDWWHULHV
,QSXW0HWKRGV
7KLV SKRQH SURYLGHV GLYHUVLILHG LQSXW PRGHV IRU \RX WR HQWHU
FKDUDFWHUZKHQHGLWLQJ606DQGDGGLQJSKRQHERRN
,QSXWPHWKRGW\SHGHSHQGVRQ\RXUVHWWLQJLQ>6HWWLQJV3KRQH
6HWWLQJV,QSXW0HWKRGV@
:KHQHGLWLQJWKHNH\FRQWUROV
7KH/HIWVRIWNH\*HQHUDOO\UHSUHVHQWVFRQILUPDWLRQ
7KH5LJKWVRIWNH\3UHVVWRFOHDURQHFKDUDFWHUORQJSUHVVWR
FOHDUDOO
7KH5HGNH\5HWXUQWRWKHLGOHLQWHUIDFH
NH\7RVZLWFKEHWZHHQGLIIHUHQWLQSXWPHWKRGV
³´NH\,QHYHU\LQSXWVWDWXVSUHVVWKLVNH\WRFDOORXWSXQFWXD
WLRQDQGV\PEROLQSXWIUDPH/RQJSUHVVWRFDOORXWXQGHUWKH
QXPEHULQSXWPHWKRG
1XPHULFLQSXWPHWKRG
3UHVVQXPHULFNH\VaWRLQSXWFRUUHVSRQGLQJQXPEHUV
0XOWLWDSDEF$%&LQSXW0HWKRG
(DFK NH\ LV XVHG WR LQSXW VHYHUDO FKDUDFWHUV IDVW DQG
UHSHDWHGO\SUHVVWKHNH\XQWLO\RXUUHTXLUHGFKDUDFWHUDSSHDUV
3UHVVWKH>@NH\WRLQSXWEODQN
6PDUW(QJOLVKLQSXWPHWKRG
6PDUW (QJOLVK LQSXW PHWKRG LV GLYLGHG LQWR PDMXVFXOH DQG
PLQXVFXOHLHVPDUWPDMXVFXOH$%&DQGVPDUWPLQXVFXOHDEF
7KLVLQSXWPHWKRGSRVVHVVHVVRUWRIDVVRFLDWLRQIXQFWLRQZKLFK
PDNHV\RXMXVWQHHGWRSUHVVHYHU\OHWWHURQFHWRFKDQJHWKH
ZKROHZRUG(YHU\NH\RQNH\ERDUGUHSUHVHQWVFKDUDFWHUVDQG
WKLV LQSXW PHWKRG ZRXOG DXWRPDWLFDOO\ FRPSDUH LQ SKRQHV
ODQJXDJHGDWDEDVHDQGVHOHFWFRUUHFWZRUGVRLWUHTXLUHVOHVV
WLPHWKDQWUDGLWLRQDO(QJOLVKLQSXWPHWKRG
3UHVV WKH /HIW VRIW NH\ RU WKH ULJKW QDYLJDWRU WR VHOHFW ZRUG
SUHVVWKH>@NH\WRFRPSOHWHZRUGFRQILUPDWLRQDQGLQSXWEODQN
SUHVVWKHNH\WRVZLWFKFDSLWDOL]DWLRQ
3KRQH%RRN
<RXFDQVDYHQDPHVDQGSKRQHQXPEHULQWKHSKRQH¶VPHPRU\
DQGLQWKH6,0FDUG¶VPHPRU\7KHSKRQH¶VPHPRU\FDQVDYH
XSWR QXPEHUV 7KH 6,0¶VFDSDFLW\ GHSHQGV RQ GLIIHUHQW
6,0FDUG
3UHVVWKH'RZQQDYLJDWRUNH\WRDFFHVVWKHSKRQHERRNLQLGOH
PRGH HQWHU WKH SKRQHERRN PHQX WR DFFHVV DOO OLVWV RI
SKRQHERRNLQFOXGLQJ DOOUHFRUGV VDYHGLQ WKHSKRQH DQGWKH
6,0FDUG3UHVV WKH*UHHQNH\WRGLDOWKHQXPEHUDQGSUHVV
WKH5HGNH\WRHQGGLDOLQJ3UHVVWKH2. NH\ WR DFFHVVWKH
QDPHDQGQXPEHUGHWDLOV3UHVVWKH/HIWVRIWNH\>2SWLRQV@WR
PDNHWKHIROORZLQJRSHUDWLRQV
g9LHZ'LVSOD\GHWDLOVRIWKHFXUUHQWO\UHFRUGHG
g6HQG6066HQGDVKRUWPHVVJDHWRWKHVHOHFWHGQXPEHU
g6HQG0066HQG006WRWKHVHOHFWHGQXPEHU
g&DOO 'LVSOD\ WKH FDOOLQJ LQWHUIDFH DQG GLDO WKH FXUUHQWO\
VHOHFWHGSKRQHQXPEHU
g$GG1HZ7KLVPHQXDOORZV\RXWRDGGWKHQHZUHFRUGWRWKH
6,0FDUGRUWKH3KRQH
7R6,06HOHFWWKLVRSWLRQSUHVVWKH2.NH\RUSUHVVWKH/HIW
VRIW NH\ >2SWLRQV@ WKHQ VHOHFW >(GLW@ WR HQWHU 1DPH LQSXW
LQWHUIDFHWKHQLQSXWWKHFRUUHVSRQGLQJQDPHSUHVVWKH/HIWVRIW
NH\>2.@WR FRQILUP 3UHVVWKHQDYLJDWRU WR VZLWFKWRQXPEHU
FROXPQHQWHUWKHSKRQHQXPEHUDQGFRQILUPILQDOO\SUHVVWKH
/HIWVRIWNH\>2SWLRQV@WRVHOHFW>6DYH@DQGDGGLQJUHFRUGVWR
WKH6,0FDUGZLOOEHGRQH
7R3KRQH7KHVWHSVIRUDGGLQJUHFRUGVWRWKHSKRQHDUHWKH
VDPHDVWKDWRIWKH6,0FDUG%XW\RXFDQDGGJURXSIRUDGGLQJ
UHFRUGVWRWKHSKRQH
g6HDUFK ,Q SKRQHERRN OLVW LQWHUIDFH \RX FDQ SUHVV
FRUUHVSRQGLQJQXPHULFNH\VWRTXLFNO\VHDUFKLQFOXGLQJFRQWDFWRU
UHFRUGVRIZKLFKWKHQDPHEHJLQVZLWKWKLVOHWWHUQXPEHU
6HOHFWWKLVRSWLRQ\RXFDQVHDUFKE\ HQWHULQJ IXOO QDPHRI
RQHFKDUDFWHURUHYHQRQHOHWWHU
2UGLUHFWO\SUHVVWKH/HIWVRIWNH\>2.@WRHQWHUSKRQHERRNOLVW
WRYLHZDOOSKRQHERRNOLVW
g(GLW0RGLI\WKHFXUUHQWO\VHOHFWHGFRQWDFWRUUHFRUG
g6HQG&DUG6HQGVHOHFWHGUHFRUGWRWKHRWKHUYLD606
g'HOHWH 6HOHFW >&XUUHQW@ RSWLRQ WR GHOHWH WKH FXUUHQWO\
VHOHFWHGUHFRUGVHOHFW>&XVWRP@WRGHOHWHVHYHUDOUHFRUGVLQWKH
SKRQHERRNOLVWLQWKHIRUPRIPXOWLSOHFKRLFHOLVWRUVHOHFW>$OO@
WRGHOHWHDOOUHFRUGVLQ6,0FDUGRUDQGSKRQHPHPRU\
g&RS\6HOHFW>&XUUHQW@RSWLRQWRFRS\WKLVUHFRUGWR6,0FDUG
LILWLVVDYHGLQSKRQHDQGYLFHYHUVDVHOHFW>&XVWRP@WRFRS\
VHYHUDOUHFRUGVLQSKRQHERRNOLVWLQWKHIRUPRIPXOWLSOHFKRLFH
OLVWRUVHOHFW>$OO@WRFRS\DOOUHFRUGVLQ6,0FDUGWKHSKRQHWR
WKHSKRQH6,0FDUGPHPRU\
g&KDQJH *URXSV &KDQJH LQFRPLQJ FDOO JURXS RI WKH
FXUUHQWO\VHOHFWUHFRUG
g6SHHG'LDO$VDPDWWHURIFRQYHQLHQFHIRUXVHUGLDOLQJWKLV
SKRQHSURYLGHV VHW QXPEHUIXQFWLRQZLWK QXPEHUVDWPRVW
:KHQ\RXKDYHVHWDSKRQHQXPEHUDVVHWQXPEHULQWKHLGOH
LQWHUIDFHSUHVVWKHQXPHULFNH\³a´WKHQWKH*UHHQNH\WR
GLDOFRUUHVSRQGLQJSKRQHQXPEHU
g)LOWHU &RQWDFW $GG WKH FXUUHQW VHOHFWHG SKRQH QXPEHU WR
&RQWDFWV)LOWHUHGIRUUHMHFWWKLVQXPEHU¶VFDOOVRUPHVVDJHV
3UHVVWKH2.NH\WRVHOHFWRUFDQFHOVHOHFWWKHQSUHVVWKH/HIW
VRIWNH\>2SWLRQV@DQGVHOHFW>'RQH@WRFRQILUP
g&RQWDFWV)LOWHUHG'LVSOD\OLVWRIUHMHFWHGLQFRPLQJFDOOVRU
PHVVDJHV<RXFDQDGGDQ\UHFRUGIURPSKRQHERRNPHVVDJH
RUXQVDYHGRQHVZLWKDWPRVW:KHQDSKRQHQXPEHUKDV
EHHQ DGGHG WR WKH )LOWHU &DOO RU )LOWHU 0HVVDJH LW ZLOO EH
DXWRPDWLFDOO\UHMHFWHGLQDQ\FLUFXPVWDQFH
g0DQDJH *URXSV 'HIDXOW JURXSV LQ WKLV SKRQH DUH 6,0
XQJURXSHG)DPLO\)ULHQGV&ROOHDJXHVDQG&ODVVPDWHVDQG
\RXFDQDGGRUGHOHWHQHZJURXSV
7LSGHIDXOWJURXSFDQQRWEHUHQDPHDQGGHOHWHLQWKHSKRQH
g2ZQ1XPEHU'LVSOD\P\QXPEHUOLVW7KLVSKRQHQXPEHUV
GHSHQGRQWKH6,0FDUG
g/LVW&KRLFH7KLVPHQX DOORZV\RXWRVHOHFWWKHGLVSOD\LQJ
PRGHRIWKHSKRQHERRNOLVW6,03KRQHRU6,03KRQH
g0HPRU\6WDWXV9LHZWKHVHUYLFHFRQGLWLRQRIWKH6,0FDUG
DQGSKRQH¶VSKRQHERRN7KHFDSDFLW\RI6,0FDUGGHSHQGVRQ
GLIIHUHQW6,0FDUG
3DFNDJLQJ
7RIDFLOLWDWHWKHUHF\FOLQJRISDFNDJLQJPDWHULDOVSOHDVHREH\
WKHVRUWLQJUXOHVLQVWLWXWHGORFDOO\IRUWKLVW\SHRIZDVWH
%DWWHULHV
6SHQWEDWWHULHVPXVWEHGHSRVLWHGDWWKHGHVLJQDWHGFROOHFWLRQ
SRLQWV
7KHSURGXFW
7KHFURVVHGRXWZDVWHELQPDUNDIIL[HGWRWKHSURGXFWPHDQV
WKDW LW EHORQJV WR WKH IDPLO\ RI HOHFWULFDO DQG HOHFWURQLF
HTXLSPHQW
7RSURPRWHWKHUHF\FOLQJDQGUHFRYHU\RIZDVWHHOHFWULFDODQG
HOHFWURQLFHTXLSPHQW:(((DQGDWWKHVDPHWLPHVDIHJXDUG
WKHHQYLURQPHQW(XURSHDQUHJXODWLRQVUHTXLUH\RXWRREH\WKH
VRUWLQJUXOHVLQVWLWXWHGORFDOO\IRUWKLVW\SHRIZDVWH
(QYLURQPHQW
*DPHV
7KHSKRQHSURYLGHVVHYHUDOFODVVLFJDPHV
)RUVSHFLILFRSHUDWLRQVSOHDVH UHIHU WRWKHGLUHFWLRQVRIHDFK
JDPH
6HWWLQJV
3KRQH6HWWLQJV
g7LPHDQG'DWH
7LPHDQG'DWH6HWWLQJ'LUHFWO\SUHVVWKHQXPHULFDONH\VWR
NH\LQWKHSUHVHQWGDWHRUSUHVVWKH8S'RZQQDYLJDWRUNH\V
WRLQSXWWKHSUHVHQWGDWH)ROORZWKHVDPHSURFHGXUHWRVHWWKH
SUHVHQWWLPH
)RUPDW 6HWWLQJ 7LPH IRUPDW FDQ EH VHW DV KRXU RU
KRXU 'DWH )RUPDW FDQ EH VHW DV ''00<<<<
<<<<00''RU00''<<<<
7LPH=RQH6HOHFW\RXUFXUUHQWWLPH]RQH
606 7LPH 6\QF $IWHU VHW WKH RZQ QXPEHU LQ DFFXUDWHO\
VHOHFW WKLV IXQFWLRQ WR FDOLEUDWH WKH V\VWHP WLPH E\ VHQGLQJ
VKRUWPHVVDJHV
g/DQJXDJH6HOHFWIURPODQJXDJHVSURYLGHGLQWKLVSKRQH
g+RWNH\V 6HWWLQJ 7R VHW KRWNH\V LQ LGOH PRGH RI QXPHULF
NH\V DIWHU VHWWLQJ ORQJ SUHVV KH QXPHULF NH\V WR HQWHU
FRUUHVSRQGLQJIXQFWLRQV\RXVHW
g$XWR.H\SDG/RFN,QWKLVRSWLRQ\RXFDQVHWWKHWLPHIRU
RSHQLQJ RU FORVLQJ NH\SDG ORFN $IWHU VHWWLQJ WKH WLPH IRU
NH\SDG ORFN NH\SDG ZLOO DXWRPDWLFDOO\ ORFN LQ WKH LGOH PRGH
ZKHQWKHUHLVQRRSHUDWLRQZLWKLQSHULRGRIWLPH:KHQNH\SDG
LVORFNHGORQJSUHVVWKHNH\WRXQORFNLW
g,QSXW0HWKRGV<RXFDQVHOHFWLQSXWWLQJPHWKRGVRIIHUHGE\
WKHSKRQHWRVHWWKHLQSXWWLQJPHWKRGIRUHGLWLQJ
5LQJWRQH6HWWLQJV
,QWKLVRSWLRQ \RX FDQ 6HOHFWDULQJWRQH DV WKH DOHUWULQJIRU
LQFRPLQJFDOODQG606$GMXVWYROXPHVRIFDOODOHUWPHVVDJH
DOHUWFDOOSRZHU 2Q2IINH\DODUP DV ZHOODVYLEUDWHJUDGH
6HOHFWLQFRPLQJFDOORU606DOHUWW\SH$FWLYDWHRU'HDFWLYDWH
WKHEDWWHU\ORZDOHUW
'LVSOD\6HWWLQJV
g:DOOSDSHU6HWWKHZDOOSDSHUGLVSOD\HGLQLGOHPRGH
g'HVNWRS,Q WKLV RSWLRQ \RX FDQFKRRVH ZKHWKHU WRGLVSOD\
RSHUDWRUQDPHGDWHWLPHRUQRW
g%DFNOLJKW 6HW WKH EDFNJURXQG OLJKW VZLWFKHG RQ LQFOXGLQJ
EHLQJRQIRUVHFRQGVRUEHLQJRQIRUVHFRQGV
g&RQWUDVW6HWWKHFRQWUDVWUDWLRRIWKHVFUHHQRIWKHSKRQH
3UHVVWKHULJKWOHIWQDYLJDWRUNH\VWRVHOHFWDSURSHUJUDGH
&DOO6HWWLQJV
g$XWR5HGLDO6ZLWFKRQRURIIDXWRUHGLDOLQJIXQFWLRQ:KHQ
VZLWFKHG RQ LI WKH UHFHLYHU GRHV QRW DQVZHU LQ GLDOLQJ WKH
SKRQH ZLOO DXWRPDWLFDOO\ UHGLDO WKH QXPEHU 7KH PD[LPXP
UHGLDO WLPHV DUH DQG GXULQJ WKLV SHULRG WKH VXEVFULEHU
FDQQRWGLDODQ\RWKHUQXPEHU3UHVVWKH5LJKWVRIWNH\RUWKH
5HGNH\WRHQGDXWRUHGLDO
g&DOO :DLWLQJ ,QWKLVRSWLRQ\RXFDQ DFWLYDWH GHDFWLYDWHRU
FKHFN VWDWXV :KHQ LW LV DFWLYDWHG D VHFRQG LQFRPLQJ FDOO
QXPEHUDQGFDOO ZDLWLQJ LQIRUPDWLRQZLOOGLVSOD\LQ WKH VFUHHQ
ZKHQ\RXDUHWDONLQJRQWKHSKRQH,IQHWZRUNSHUPLWV\RXFDQ
DOVRDFWLYDWHIXQFWLRQVOLNHFDOOKROGLQJDQGPXOWLODWHUDOFDOOLQJ
g&DOO'LYHUW7KLVIXQFWLRQDOORZV\RXWRGLYHUWLQFRPLQJFDOO
WR\RXUYRLFHER[RUDQRWKHUDSSRLQWHGSKRQHQXPEHU
7KLVIXQFWLRQQHHGVQHWZRUNVXSSRUWIRUGHWDLOVSOHDVHFRQWDFW
WKHRSHUDWLRQFRPSDQ\
g&DOO %DUULQJ 7R VHW FDOO DQVZHULQJ RU GLDOLQJ EDUULQJ \RX
PXVW DSSO\ WR QHWZRUN VXSSOLHU WR RSHQ WKH LQWHUQDWLRQDO ORQJ
GLVWDQFH IXQFWLRQ REWDLQ QHWZRUN EDUULQJ FRGH DQG VHW HDFK
EDUULQJIXQFWLRQ
g+HDG6HW$QVZHU$FWLYDWHRUGHDFWLYDWHWKLVIXQFWLRQ:KHQ
LW LV DFWLYDWHG DQG SKRQH LV LQ HDUSKRQH PRGH LW ZLOO
DXWRPDWLFDOO\DQVZHULQFRPLQJFDOODIWHUDERXWVHFRQGV
g0LQXWH 5HPLQGHU $FWLYDWH RU 'HDFWLYDWH WKLV IXQFWLRQ ,I
WKLV IXQFWLRQ LV DFWLYDWHG \RX FDQ FKHFN WKH FDOO GXUDWLRQ E\
WKHEHHSVRXQGHYHU\PLQXWHGXULQJDFDOO
g$QRQ\PRXV UHTXLUHV QHWZRUN VXSSRUW $FWLYDWH RU
GHDFWLYDWH WKLV IXQFWLRQ :KHQ LW LV DFWLYDWHG \RXU SKRQH
QXPEHUZLOOQRWEHGLVSOD\HGDWWKHRWKHUVLGHZKHQPDNLQJD
FDOO
1HWZRUN6HWWLQJV
7RVHWDXWRPDWLFDOO\RUPDQXDOO\VHOHFWLQJQHWZRUN
6HFXULW\6HWWLQJV
g3,1,QWKLVRSWLRQ\RXFDQDFWLYDWHRUGHDFWLYDWH3,1ZKLFK
UHTXLUH FRUUHFW 3,1 FRGH :KHQ LW LV DFWLYDWHG \RX KDYH WR
LQSXW 3,1 FRGH HYHU\ WLPHV ZKHQ VZLWFKLQJ RQ \RXU SKRQH
<RXFDQFKDQJH3,1ZKHQLWLVDFWLYDWHG
7LS ,I \RX HQWHU ZURQJ 3,1 FRGH IRU PRUH WKDQ WKUHH
WLPHV 6,0 FDUG ZRXOG EH ORFNHG \RX QHHG HQWHU 38.
FRGH WR XQORFN WKH 6,0 FDUG IRU GHWDLOV SOHDVH FRQWDFW
WKHQHWZRUNRSHUDWLRQFRPSDQ\
g3,1 3,1LV SURYLGHG E\WKH QHWZRUN 2SHUDWRU&RPSDQ\
IRUGHWDLOVSOHDVHFRQWDFWWKHQHWZRUN2SHUDWRU&RPSDQ\
g3KRQH3DVVZRUG<RXFDQDFWLYDWHRUGHDFWLYDWHWKHSKRQH
SDVVZRUG ZKLFK UHTXLUH FRUUHFW SKRQH SDVVZRUG :KHQ LW LV
DFWLYDWHG\RXKDYHWRLQSXWWKHFRUUHFWSKRQHSDVVZRUGHYHU\
WLPHV DIWHU UHSODFH WKH 6,0 FDUG <RX FDQ FKDQJH SKRQH
SDVVZRUG
7LS 'HIDXOW SKRQH SDVVZRUG LV FKDQJH LW WR \RXU
VHWSDVVZRUGDVVRRQDVSRVVLEOH
5HVWRUH)DFWRU\6HWWLQJV
5HVWRUHWKHSDUDPHWHUVHWXSRIWKHSKRQHWRWKHRULJLQDOYDOXH
DIWHUFRQILUPLQJ
$ODUP
7KLVSKRQHFDQVHWWZRDODUPFORFNVDWPRVWZKLFKVWLOOZRUNLQ
SKRQHVZLWFKHG2IIVWDWXV
6HOHFWDQDODUPFORFNDQGSUHVVWKH/HIWVRIWNH\>(GLW@WRHQWHU
LWVVHWWLQJPHQXSUHVV WKH 8S'RZQQDYLJDWRUNH\VWRVHOHFW
IURPWKHIROORZLQJRSWLRQVSUHVV WKH2.NH\RUWKH/HIWVRIW
NH\>2SWLRQV@WRVHOHFW>(GLW@WRVHW
$FWLYDWHRUGHDFWLYDWHWKHDODUPE\VHOHFWLQJ>2Q@RU>2II@
(GLWDODUPWLPHE\8S'RZQQDYLJDWRUNH\VRUQXPHULFNH\V
6HW WKH DODUP DOHUW IUHTXHQF\ DV RQFH RU GDLO\ RU ZHHNO\
DFFRUGLQJUHTXLUHPHQW
&KRRVHRQHULQJWRQHZKLFKFDQEH>9LEUDWH@DVDODUPULQJ
(GLWDODUPQRWLILFDWLRQ
$IWHUHGLWLQJDERYHRSWLRQVSUHVVWKH/HIWVRIWNH\>2SWLRQV@WR
VHOHFW>6DYH@DQGFRQILUPVDYLQJ
$QG\RXFDQDOVRIROORZWKHVDPHSURFHGXUHWRVDYHWKHDODUP
VHWWLQJVDIWHUPRGLI\LQJ
0HVVDJH&HQWHU
0HVVDJHVHUYLFHLVDNLQGRIQHWZRUNIXQFWLRQZKLFKHQDEOHV\RX
WRVHQGUHFHLYHDQGHGLWDOOVRUWVRIPHVVDJHVIRUGHWDLOVSOHDVH
FRQWDFWWKHQHWZRUN2SHUDWRU&RPSDQ\
606
1HZ0HVVDJH
7LS7RVHQGPHVVDJH\RXQHHGWRVHWWKHFRUUHFWPHVVDJH
VHUYLFH FHQWHU QXPEHU ZKLFK FDQ EH REWDLQHG IURP WKH
QHWZRUNSURYLGHU
,QWKHPHVVDJHHGLWLQWHUIDFHSUHVVWKH/HIWVRIWNH\>2SWLRQV@WR
VHOHFWRSWLRQVZKHQHGLWLQJ
g6HQG'LUHFWO\VHQGWKHFUHDWHG606
g,QVHUW,QVHUWWKHEHORZWH[WWRPHVVDJH
7HPSODWH6HOHFWWKHWHPSODWHVSUHVWRUHGRUFXVWRPL]HGLQWKHSKRQH
&RQWDFW6HOHFWWKHSKRQHQXPEHUIURPWKHSKRQHERRNWKDW\RX
ZDQWWRLQVHUW
g6DYHWR'UDIW6DYHWKHHGLW606WRWKHGUDIW
g6DYHWR7HPSODWH6DYHWKHHGLW606DVFXVWRPL]HGWHPSODWH
g([LW([LWWKHHGLW606LQWHUIDFH
6HOHFW >6HQG@ RSWLRQ DQG FRQILUP HQWHU WKH UHFLSLHQW HGLWLQJ
LQWHUIDFH\RXFDQGLUHFWO\LQSXWWKHSKRQH QXPEHU RUSUHVVWKH
2.NH\WRVHDUFKLQSKRQHERRNZKHQWKHUHFLSLHQWOLVWLVHPSW\
3UHVV WKH /HIW VRIW NH\ >2SWLRQV@ WR VHQG WKH PHVVDJH E\
IROORZLQJPRGH
&RQWDFW6HDUFKWKHFRQWDFWVLQSKRQHERRNDQGWKHQFRQILUPWKH
VHOHFWHGFRQWDFWZLOOGLVSOD\LQUHFLSLHQWVVFUHHQ
&XVWRP 6HOHFW RQH QXPEHU RU VHYHUDO FRQWDFWV IURP WKH
SKRQHERRNDVUHFLSLHQWV
(QWHUVHOHFWLQJ LQWHUIDFH RIWKH QXPEHU OLVWSUHVV WKH8S'RZQ
QDYLJDWRUNH\VWRPRYHWR\RXUGHVLUHGFRQWDFWVDQGSUHVVWKH
2.NH\WRVHOHFWRUFDQFHOWKLVUHFRUG³¥´ZLOOEHGLVSOD\HGLQWKH
ER[EHIRUHWKHVHOHFWHGUHFRUGLI\RXVHOHFW>'RQH@WKHVHOHFWHG
FRQWDFWVZLOOEHGLVSOD\HGLQUHFLSLHQWVVFUHHQ
*URXS6HQGWKH606WRDOOFRQWDFWVLQ\RXUQDPHGJURXS
(GLW&RQWHQW%DFNWRWH[WHGLWLQWHUIDFHWRFRPSRVHWKH606DJDLQ
,I>6HWWLQJV6WRUH6HQW606@LV>2Q@RU>4XHU\@EXWVHOHFW><HV@
ZKHQVHQGLQJWKHVHQWVXFFHVVIXOO\606ZLOOEHVDYHGWR>6HQW@
RWKHUZLVHWKH606ZLOOQRWEHVDYHG6HQWXQVXFFHVVIXOO\606
ZLOOEHVDYHGWR>'UDIWV@\RXFDQHGLWDQGVHQGDJDLQ
,QER[
$OOUHDGDQGXQUHDG606ZLOOEHVDYHGLQWKLVRSWLRQ
:KHQ\RXKDYHUHFHLYHGDPHVVDJHDIWHUWRQHVRUYLEUDWLRQFDQ
DOHUW \RX ZLWK WKH LQGLFDWLRQ RI ³QHZ PHVVDJH UHDG"´ DQG
PHVVDJHLFRQZLOODOVREHVKRZQRQWKHVFUHHQSUHVVWKH/HIWVRIW
NH\>9LHZ@WRUHDGWKHQHZPHVVDJH
7LS,IWKHPHVVDJHVHQGHULVLQHQFU\SWHGOLVWDQGHQFU\SWHG
PHVVDJH IXQFWLRQ LV DFWLYDWHG \RX PXVW HQWHU >(QFU\SWHG
0HVVDJH@WRUHDGWKH606
,IWKHPHVVDJHPHPRU\LVIXOOWKHLQGLFDWLRQ³0HPRU\IXOO´
DQGWKHEOLQNLQJPHVVDJHLFRQPHVVDJHPHPRU\IXOOZLOOEH
VKRZQ RQ WKH VFUHHQ %HIRUH \RX FDQ UHFHLYH QHZ
PHVVDJHVGHOHWHVRPHRI\RXUROGPHVVDJHVLQWKHLQER[
IROGHU ,I WKH FDSDFLW\ RI QHZ PHVVDJHV LV EH\RQG WKH
FDSDFLW\ RI WKH LQER[ WKH LQIRUPDWLRQ ZLOO EH ORVW DQG
LQFRPSOHWH
3UHVV WKH /HIW VRIW NH\ >2SWLRQV@ LQ PHVVDJH OLVW WR PDNH WKH
IROORZLQJRSHUDWLRQV
g5HDG5HDGWKHFXUUHQWVHOHFWHGPHVVDJH
g5HSO\606'LUHFWO\UHSO\606WRWKHPHVVDJHVHQGHU<RXFDQ
VHQGD606DVHPSW\VFUHHQRUZLWKRULJLQDOPHVVDJHDWWDFKHG
g5HSO\006'LUHFWO\UHSO\006WRWKHPHVVDJHVHQGHU
g6HDUFK6HDUFKUHTXLUHG606E\QDPHE\QXPEHUE\FRQWHQW
RUE\GDWH
g'HOHWH6HOHFW>&XUUHQW@WRGHOHWHWKHFXUUHQWVHOHFWHGPHVVDJH
VHOHFW>5HDG@WRGHOHWHDOOWKHUHDGPHVVDJHVVHOHFW>&XVWRP@WR
GHOHWHWKHVHOHFWHGPHVVDJHIURPWKHOLVWLQWKHLQER[RUVHOHFW
>$OO@WRGHOHWHDOOPHVVDJHVLQLQER[
3UHVVWKH 2. NH\WRGLUHFWO\ UHDG WKHVHOHFWHGPHVVDJHDQG
WKHQ SUHVV WKH /HIW VRIW NH\ >2SWLRQV@ WR PDNH WKH IROORZLQJ
RSHUDWLRQV
g5HSO\606'LUHFWO\UHSO\606WRWKHPHVVDJHVHQGHU
g5HSO\006'LUHFWO\UHSO\006WRWKHPHVVDJHVHQGHU
g5HWXUQ&DOO'LUHFWO\FDOOWKHQXPEHURI606VHQGHU
g)RUZDUG)RUZDUGWKH606WRVRPHRQHHOVH
g'HOHWH'HOHWHWKHFXUUHQW606
g([WUDFW1XPEHU6DYHVHQGHU¶VQXPEHURUWKHQXPEHULQWKHPHVVDJH
g)LOWHU&RQWDFW$GGWKLVPHVVDJHVHQGHUµV SKRQH QXPEHUWR
FRQWDFWVILOWHUHGIRUUHMHFWWKLVQXPEHU¶VFDOOVRUPHVVDJHV
g9LHZ1H[W9LHZWKHQH[W606
(QFU\SWHG0HVVDJHV
:KHQ HQFU\SWHG PHVVDJH IXQFWLRQ LV DFWLYDWHG WKH PHVVDJH
ZKRVHVHQGHULVLQHQFU\SWHGOLVWZLOOEHVDYHGLQWKLVRSWLRQDQG
\RXPXVWUHDGWKHPHVVDJHLQWKLVRSWLRQ
7RHQWHUWKLVRSWLRQ\RXPXVWHQWHUWKHFRUUHFWFRGH7KHGHIDXOW
FRGHLV,I\RXLQSXWZURQJFRGHSKRQHZLOOGLVSOD\WKHDOHUW
³(PSW\´ DQG UHWXUQ WR HQFU\SWHG PHVVDJH PHQX EXW QR DQ\
PHVVDJHVGLVSOD\DQGHQFU\SWHGOLVW LV DOVR HPSW\LI\RXLQSXW
FRUUHFW FRGH \RX ZLOO YLHZ WKH HQFU\SWHG PHVVDJHV OLVW LI WKLV
IXQFWLRQLVDFWLYDWHG
SUHVVWKH2.NH\WR UHDGWKHVHOHFWHGPHVVDJHDQGSUHVVWKH
/HIWVRIWNH\>2SWLRQV@WRPDNH>5HDG5HSO\6065HSO\006
6HDUFK'HOHWH@ RSHUDWLRQVZKLFK UHIHU WR>,QER[@ %HVLGHV\RX
FDQDOVRPDNHWKHIROORZLQJRSHUDWLRQV
g&KDQJH (QFU\SW &RGH 8VHG WR XSGDWH FRGH RI HQFU\SWHG
PHVVDJHV \RX KDYH WR FRUUHFWO\ HQWHU WKH ROG FRGH EHIRUH
HQWHULQJ WKH QHZ RQH )RU SURWHFWLRQ RI \RXU VDIHW\ WKH QHZ
SDVVZRUGPXVWEHHQWHUHGDQGFRQILUPHGIRUWLPHV
g(QFU\SWLRQ/LVW7KLVOLVWVDYHVHQFU\SWHGPHVVDJH¶VSKRQH
QXPEHUDQGPHVVDJHVIURPWKHQXPEHUVDUHGLUHFWO\VDYHGDV
HQFU\SWHGRQHV WRSUHYHQW RWKHUV IURP YLHZLQJ <RX FDQ VHOHFW
RSWLRQVWRDGGHGLWDQGGHOHWHHQFU\SWHGQXPEHUV
g2SHQ(QFU\SWHG0HVVDJH(QFU\SWHGPHVVDJHDUHYDOLGRQO\
ZKHQWKHIXQFWLRQLVRSHQHGRWKHUZLVHDOOPHVVDJHVDUHWUHDWHG
DVFRPPRQRQHV
g&ORVH (QFU\SWHG 0HVVDJH &ORVH HQFU\SWHG PHVVDJH
IXQFWLRQDQGDOOPHVVDJHVDUHWUHDWHGDVFRPPRQRQHV
6HQW
6DYHWKHPHVVDJHWKDWKDVEHHQVHOHFWHGWRVDYHDQGVXFFHVV
IXOO\VHQW
'UDIWV
6DYHVWKHPHVVDJHVWKDWKDYHEHHQHGLWHGRUXQVXFFHVVIXOO\VHQW
7HPSODWH
'LVSOD\ WHPSODWHV DPRQJ ZKLFK WR FDQQRW EH HGLWHG
ZKLOHWRFDQEHHGLWHGE\XVHUVWKHPVHOYHV
6HWWLQJV
g6WRUH6HQW606<RXFDQVHWZKHWKHUVWRUHVHQW606
g$FNQRZOHGJHPHQW6ZLWFK2QRU2II:KHQLWLV2QV\VWHP
ZLOOVHQGFRQILUPDWLRQPHVVDJHDIWHUDGGUHVVKDVUHFHLYHG606
g9DOLGLW\6HWVWRUDJHDQGVHQGLQJWLPHRIWKHVKRUWPHVVDJHLQ
VHUYLFHFHQWHU
g0HVVDJH &HQWHU 1XPEHU 6HWWKHVHUYLFHFHQWHU QXPEHU RI
WKH VKRUW PHVVDJH 7KLV QXPEHU FDQ EH REWDLQHG IURP WKH
QHWZRUNRSHUDWRU3OHDVHFRQWDFWWKHQHWZRUNRSHUDWRUIRUPRUH
GHWDLOV
g'HIDXOW6DYH6HWWKHGHIDXOWVWRUDJHDV6,0FDUGRUSKRQH
&HOO%URDGFDVW
&HOOEURDGFDVWUHIHUVWRSXEOLFPHVVDJHVHQWE\QHWZRUNRSHUDWRU
DQGLWQHHGVWKHRSHUDWRU¶VVXSSRUWIRUGHWDLOVSOHDVHFRQWDFWWKH
QHWZRUN2SHUDWRU&RPSDQ\
:LWKWKHFHOOEURDGFDVWVHUYLFH\RXFRXOGUHFHLYHIURPQHWZRUN
RSHUDWRU PHVVDJHV RI YDULRXV WRSLFV OLNH ZHDWKHU WD[L DQG
KRVSLWDO )RU XVHDEOH WRSLF PHVVDJH SOHDVH FRQVXOW WKH ORFDO
QHWZRUNRSHUDWLRQFRPSDQ\2QO\LQWKHLGOHLQWHUIDFHSKRQHFDQ
UHFHLYHWKHFHOOEURDGFDVWPHVVDJH
9RLFH0DLO
:KHQ\RX FDQQRW DQVZHULQFRPLQJ FDOOLWZLOO EHDXWRPDWLFDOO\
GLYHUWHGWRYRLFHPDLOVHUYLFHQXPEHUWKHQWKHFDOOHUFRXOGOHDYH
\RXDPHVVDJHDQGLWZLOOEHVDYHGLQYRLFHPDLOV\VWHPRIVHUYLFH
QHWZRUNVR\RXFDQYLVLWYRLFHPDLOV\VWHPWROLVWHQWRLW
5HDOL]DWLRQ RI YRLFH PDLO IXQFWLRQ UHTXLUHV QHWZRUN RSHUDWRU
VXSSRUW VR \RX QHHG WR DSSO\ WR RSHQ LW )RU GHWDLOV SOHDVH
FRQWDFWWKHQHWZRUN2SHUDWRU&RPSDQ\
0HPRU\6WDWXV
9LHZWKHPHPRU\VWDWXVRIWKHVKRUWPHVVDJHLQWKH6,0FDUGDQG
SKRQH7KH6,0FDSDFLW\GHSHQGVRQGLIIHUHQW6,0FDUG
006
7KLV VHUYLFH LV VXSSRUWHG IURP WKH QHWZRUN 2SHUDWRU &RPSDQ\
DQG WKH *356 IXQFWLRQ PXVW EH RSHQHG )RU GHWDLOV SOHDVH
FRQVXOWZLWKWKHQHWZRUN2SHUDWRU&RPSDQ\
1HZ0HVVDJH
3UHVVLQJ WKH /HIW 6RIW NH\>2SWLRQV@ ZKLOH FRPSRVLQJ WKH
PHVVDJHIRUIROORZLQJRSWLRQV
g6HQG'LUHFWO\VHQGWKHFUHDWHG006
<RXFDQSUHVVWKH/HIW6RIWNH\WRVHWµ7R¶UHFLSLHQWµ&F¶FRS\
IXUQLVKHG DQG µ%FF¶ FRQILGHQWLDOO\ FRS\ IXUQLVKHG DQG µ6XE¶
LQSXWDVXEMHFWIRUWKHPHVVDJH
g3UHYLHZ3OD\DQGSUHYLHZWKH006PHVVDJH
g$GGGHOHWH,PDJH$GGGHOHWHDSLFWXUHRUDQLPDWLRQ
g$GGGHOHWH $XGLR $GGGHOHWH D VRXQG PHORG\ PXVLF RU
ULQJWRQHVDYHLQWKH)LOHPDQDJHU
g$GG3DJH,QVHUWRUDGGDQHZSDJHDIWHUWKHFXUUHQWVOLGH
g$GGGHOHWH $WWDFKPHQW $GGGHOHWH DQ DWWDFKPHQW IURP ILOH
IROGHUV
g6HWWLQJV6HWDQGVDYH006VHUYLFHSDUDPHWHUV
g3UHYLRXV1H[W3DJH*RWRWKHSUHYLRXVQH[WVOLGH
DYDLODEOH
RQO\ZKHQWKHUHDUHSUHYLRXV
VXFFHHGLQJVOLGHV
g'HOHWH 3DJH'HOHWHWKHFXUUHQW VOLGH DYDLODEOH RQO\DIWHUD
VOLGHZDVDGGHG
$IWHU FRPSRVLQJ SUHVV WKH /HIW 6RIW NH\>2SWLRQV@ IRU WKH
IROORZLQJRSWLRQV
6HQG
6DYH6DYHWR7HPSODWHV([LW
,QER[
:KHQ\RXUHFHLYHDPHVVDJHD PHORG\ GHILQHGLQWKHPHQX
6HWWLQJV5LQJWRQH 6HWWLQJV,QFRPLQJ 0HVVDJH $OHUW ZDUQV
DQGDPHVVDJHLFRQLVGLVSOD\HGRQWKHVFUHHQ<RXFDQSUHVVWKH
/HIW6RIWNH\>9LHZ@WRUHDGWKHQHZPHVVDJH2U\RXFDQSUHVV
WKH 5LJKW 6RIW NH\ >&DQFHO@DQG WKH PHVVDJH ZLOO EH VWRUHG WR
,QER[ZKHUH\RXFDQUHDGLWODWHU$GLVSOD\LFRQZLOOEHGLVSOD\HG
RQ WRS OLQH RI WKH VFUHHQ LQGLFDWLQJ WKDW WKHUH DUH XQUHDG
PHVVDJHVLQWKH,QER[
,IVHOHFWHGD006PHVVDJHSUHVVLQJWKH2.NH\RUWKH/HIW6RIW
NH\>2SWLRQV@ZKLOHYLHZLQJWKHPHVVDJHIRUIROORZLQJRSWLRQV
g9LHZ9LHZWKHGHWDLOVRIWKHPHVVDJH
g'RZQORDG$YDLODEOHLIWKHPHVVDJHKDVQRWEHHQGRZQORDGHG
g)RUZDUG6HQGWKHUHFHLYHGPHVVDJHWRDQRWKHUSHUVRQ
g5HSO\5HSO\006WRWKHVHQGHU
g5HSO\$OO:ULWHDUHSO\WRWKHVHQGHUDQGRWKHUUHFLSLHQWVRI
WKHPHVVDJH
g5HSO\6065HSO\606WRWKHVHQGHU
g'HOHWH'HOHWHWKHPHVVDJH
g'HOHWH$OO(UDVHDOOUHFHLYHGPHVVDJHVLQWKH,QER[
g$WWULEXWHV 9LHZ WKH GHWDLOV RI WKH PHVVDJHV VXFK DV WKH
VHQGHU&F6XEMHFW'DWHDQG6L]H
g6DYHFRQWDFW&DOORUVDYH WKHVHQGHU¶VQXPEHURUQXPEHUV
FRQWDLQHG LQ WKH PHVVDJH RYHU WKH GLJLWV QXPEHUV ZLOO EH
H[WUDFWHGDQGGLVSOD\HGLQDOLVW
'UDIW
,QFRPSOHWHO\FRPSRVHGDQG
VDYHGPHVVDJHVFDQEHRUJDQL]HG
DQGDFFHVVHGKHUH
2XWER[
6DYHWKHPHVVDJHWKDWXQVXFFHVVIXOO\VHQW
6HQW
6HQGVDYHGPHVVDJHVFDQEHVWRUHGDQGDUHDFFHVVHGKHUH
6HWWLQJV
6HWDQGVDYH006VHUYLFHSDUDPHWHUV
g3URILOH<RXFDQVHOHFWDQ\RQHRISURILOHVWRDFWLYDWHRUHGLW
g006 2SWLRQV <RX FDQ FRQILJXUH 3ULRULW\ 0HVVDJH &ODVV
([SLU\'HOLYHU\5HSRUW5HDGUHSRUW+LGH6HQGHU$GGUHVVDQG
&UHDWLRQ0RGH
g0069HUVLRQ<RXFDQVHOHFW006YHUVLRQ
g'RZQORDG7\SH<RXFDQFRQILJXUHGRZQORDGW\SH
7HPSODWHV
.HHSVDQGPDLQWDLQVXSWRIUHTXHQWO\XVHGPHVVDJHVIRULQSXW
FRQYHQLHQFHLQWKHIXWXUH
0.940 W/kg