Detailed instructions for use are in the User's Guide.
[. . . ] (QWHULQJWKHZURQJ3, 1FRGHWKUHHWLPHVLQVXFFHVVLRQZLOOGLVDEOHWKH 6, 0FDUGDQGWKHPHVVDJH6, 0%ORFNHG(QWHU38. ZLOODSSHDULQ WKHGLVSOD\7RXQEORFNWKH6, 0\RXZLOOQHHGWKH38. 3, 18QEORFN . H\FRGHREWDLQDEOHRQO\IURP\RXUVHUYLFHSURYLGHU 7KH38. FRGHLVVXSSOLHGZLWKWKH6, 0FDUGDQGLVXVHGWRXQEORFND GLVDEOHG6, 0FDUG :KHQUHTXHVWHGHQWHUWKH38. FRGHDQGSUHVV 2. <RXZLOOEHUH TXHVWHGWRUHVHWWKH3, 1FRGH)ROORZWKHLQVWUXFWLRQLQWKHGLVSOD\
38. DQG38. FRGHVGLJLWV
7KH38. FRGHLVUHTXLUHGWRXQEORFNWKH3, 1FRGH
&RGHVXSSOLHGE\WKHDLUWLPHVHUYLFHSURYLGHU
&DOOEDUULQJSDVVZRUGGLJLWV
7KLVSDVVZRUGLVXVHGWREDUYDULRXVW\SHVRIFDOOVPDGHRUUHFHLYHG IURPWKHSKRQH6HHSDJHIRUPRUHGHWDLOV
3KRQHORFNFRGHGLJLWV
, WLVVWURQJO\UHFRPPHQGHGWKDW\RXUHPHPEHUDQGPDNH\RXUVHOIID PLOLDUZLWKWKHSXUSRVHDQGRSHUDWLRQRIWKHVHFRGHV
7KLVFRGHLVVHWWRDOO]HURVRQGHOLYHU\DQGLVXVHUUHVHWWDEOH2QFH FKDQJHGLWFDQQRWEHLGHQWLILHGE\WKHPDQXIDFWXUHURYHUWKHSKRQH 6HHSDJHIRUPRUHGHWDLOV
(PHUJHQF\FDOOV
, Q(XURSHSURYLGHGWKHSKRQHKDV*60VHUYLFHHPHUJHQF\FDOOVFDQEHPDGH XVLQJWKH(XURSHDQVWDQGDUGHPHUJHQF\QXPEHU(PHUJHQF\FDOOVFDQ HYHQEHPDGHLIWKHSKRQHLV3, 1RUHOHFWURQLFDOO\ORFNHGRUFDOOEDUUHG, Q VRPHFRXQWULHVORFDOHPHUJHQF\QXPEHUVFDQVWLOOEHXVHGIRUHPHUJHQF\ SXUSRVHVEXWWKHSKRQHPD\KDYHWRFRQWDLQDYDOLG6, 0FDUG :KHQPDNLQJDQHPHUJHQF\FDOOUHPHPEHUWRJLYHDOOWKHQHFHVVDU\LQIRUPD WLRQDVDFFXUDWHO\DVSRVVLEOH7KHSKRQHPD\EHWKHRQO\PHDQVRIFRPPX QLFDWLRQDWWKHVFHQHRIDQHPHUJHQF\WKHUHIRUHGRQRWFXWRIIWKHFDOOXQWLO WROGWRGRVR
0RELOHSKRQHVUHO\RQZLUHOHVVDQGODQGOLQHQHWZRUNVZKLFKFDQQRWEHJXDUDQWHHGLQDOOFRQGL
WLRQV7KHUHIRUH\RXVKRXOGQHYHUUHO\VROHO\RQZLUHOHVVSKRQHVIRUHVVHQWLDOHPHUJHQF\FRPPXQL FDWLRQV
'LVSRVLQJRIZDVWHSDFNDJLQJ
7KHSDFNDJLQJXVHGIRUWKLVSKRQHLVPDGHRIUHF\FODEOHPDWHULDOVDQGDVVXFK VKRXOGEHGLVSRVHGRILQDFFRUGDQFHZLWK\RXUQDWLRQDOOHJLVODWLRQRQWKH SURWHFWLRQRIWKHHQYLURQPHQW 3OHDVHWDNHFDUHWRVHSDUDWHWKHFDUGERDUGDQGSODVWLFHOHPHQWVDQGWRGLV SRVHRIWKHPLQWKHFRUUHFWPDQQHU
6DIHW\LQIRUPDWLRQ
&RGHVXSSOLHGE\WKHPDQXIDFWXUHU
3UHSDULQJWKHSKRQHIRURSHUDWLRQ
6, 0FDUG
%HIRUH\RXFDQXVH\RXUSKRQHDYDOLG6, 0FDUGPXVWEHLQVHUWHGLQWRWKH6, 0 FDUGKROGHU , ID6, 0FDUGLVQRWLQVHUWHGRULQVHUWHGLQFRUUHFWO\ &KHFN6, 0ZLOOEHGLV SOD\HGZKHQWKHSKRQHLVWXUQHGRQ6HH´ , QVHUWLQJWKH6, 0FDUGµSDJH
%DWWHU\
)LWWLQJ
6HH´)LWWLQJWKHEDWWHU\µSDJH
5HPRYLQJ
3XVKDQGKROGXSWKHEDWWHU\FDWFK 7KHEDWWHU\ZLOOEHUHOHDVHGDQGFDQQRZEHUHPRYHG %DWWHU\FDWFK
/RZEDWWHU\ZDUQLQJ
:KHQWKHEDWWHU\SRZHUIDOOVWRLWVORZHVWOHYHOWKHPHVVDJH /RZ %DWWHU\ZLOOEHGLVSOD\HGDQGDORZEDWWHU\ZDUQLQJWRQHZLOOVRXQG , I\RXDUHRQDFDOOWHUPLQDWHWKHFDOODQGWXUQRIIWKHSKRQHE\SUHVV LQJDQGKROGLQJGRZQ 5HFKDUJHWKHEDWWHU\DVVKRZQEHORZRUVZDSLWIRUDFKDUJHGRQH
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\'DWDWKDW
QHHGVWREHVDYHGE\WKH6, 0PD\EHORVW
&KDUJLQJ
3OXJWKHFKDUJHULQWRWKHZDOOVRFNHWDQGWXUQRQWKHPDLQV7KHEDW WHU\ZLOOVWDUWWRFKDUJH 7KHSKRQHFDQEHXVHGZKLOVWFKDUJLQJEXWLWZLOOLQFUHDVHWKHFKDUJ LQJWLPH
&KDUJLQJLQGLFDWRUVZKHQWKHPRELOHLVRII
'XULQJFKDUJLQJ&KDUJLQJZLOOEHGLVSOD\HG7KH/('ZLOOEH UHG:KHQFKDUJLQJLVILQLVKHG%DWWHU\IXOOZLOOEHGLVSOD\HGDQG WKH/('ZLOOFKDQJHWRJUHHQ
&KDUJLQJLQGLFDWRUVZKHQWKHPRELOHLVRQ
'XULQJFKDUJLQJWKHWKUHHVHFWLRQEDWWHU\LFRQZLOOIODVKEDUV FRQWLQXRXVO\:KHQFKDUJLQJLVFRPSOHWHGWKHEDWWHU\LQGLFDWRUZLOO
3UHSDULQJWKHSKRQHIRURSHUDWLRQ
7RHQVXUHDORQJOLIHIRU\RXUEDWWHU\UHFKDUJHLWRQO\ZKHQWKH /RZ %DWWHU\ZDUQLQJLVGLVSOD\HGDQGWKH
ORZEDWWHU\
WRQHLVKHDUG &RQQHFWWKHFKDUJHUWRWKHSKRQHDVVKRZQ
VKRZWKUHHVROLGEDUV7KH/('LVQRWXVHGDVDFKDUJLQJLQGLFDWRU ZKHQWKHPRELOHLVRQ, IDFDOOLVUHFHLYHGGXULQJFKDUJLQJWKH/(' ZLOOIODVKUDSLGO\JUHHQ , WLVQRUPDOIRUWKHEDWWHU\WRJHWZDUPGXULQJFKDUJLQJ$WWKHHQG RIFKDUJLQJGLVFRQQHFWWKHFKDUJHUIURPWKHSKRQHVZLWFKRIIDQG UHPRYHWKHSOXJIURPWKHPDLQV
7\SLFDOFKDUJLQJWLPHVXVLQJWKH$&DGDSWRU)=$$
%DWWHU\W\SH 6PDOOEDWWHU\)=$$ 7\SLFDOFKDUJLQJWLPH KUV
%DWWHU\XVHDQGVDIHW\LQIRUPDWLRQ
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
%DWWHU\GLVSRVDO
%DVLFRSHUDWLRQV
7XUQLQJRQWKHSKRQHWKHVWDQGE\GLVSOD\ DQGWXUQLQJRIIWKHSKRQH
7XUQLQJRQWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRQWRQHZLOOEHKHDUG , IWKHPRELOHLVORFNHG&RGHZLOOEHGLVSOD\HG(QWHUWKH GLJLWSKRQHORFNFRGHDQGSUHVV 2. , I\RXU6, 0LV3, 1SURWHFWHG (QWHU3, 1ZLOOEHGLVSOD\HG (QWHUWKH3, 1FRGHDQGSUHVV 2. [. . . ] 6HQWFRQ ILUPDWLRQZLOOEHJLYHQ 6HOHFWZKHWKHUWR6WRUHRU6HQGDQRWKHUPHVVDJH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
0HVVDJHVLQWKHRXWER[
7KHRXWER[FRQWDLQVXQVHQWGUDIWPHVVDJHVVWRUHGVHQWPHVVDJHVDV ZHOODVVHQWEXWXQGHOLYHUHGPHVVDJHVLGHQWLILHGE\WKHLUKHDGHUV 7KHVHPHVVDJHVFDQEHVHOHFWHGIURPWKHRXWER[PHQXDQGFDQEH PRGLILHGDQGUHVHQWDVQHZ606PHVVDJHVLQWKHQRUPDOZD\ 7RVHOHFWDQRXWER[PHVVDJH
3UHVV
6HOHFW0HVVDJHV
6HOHFW2XWER[DQGXVH RU WRVFUROOWRWKHGHVLUHG PHVVDJH 0HVVDJHVZLOOHLWKHUEHWUDQVPLWWHGRUWREHVHQW 3UHVV2SWLRQV WRUHDGGHOHWHUHTXHVWDVWDWXVUHSRUW VHQGRUUHVHQGDQGHGLWDVHQWPHVVDJH )ROORZWKHLQVWUXFWLRQVGLVSOD\HGRQWKHVFUHHQ
6WDWXVUHTXHVWRQRXWER[PHVVDJHV
, IWKHVWDWXVLVUHTXHVWHGRQDGHOLYHUHGPHVVDJHWKHGDWHDQGWLPHRI GHOLYHU\PD\EHVKRZQ, IWKHVWDWXVLVUHTXHVWHGRQDVHQWPHVVDJH DVWDWXVUHTXHVWZLOOEHVHQWWRWKHQHWZRUNPXVWEHQHWZRUNVXS SRUWHG7KHQHWZRUNZLOODQVZHUE\VHQGLQJDVWDWXVUHSRUW65EDFN WRWKHSKRQHZKLFKFDQEHDFNQRZOHGJHGE\SUHVVLQJ 2. 7RDFWLRQDVWDWXVUHTXHVWRQRXWER[PHVVDJHV
3UHVV2SWLRQV , WHP
7KHIROORZLQJPHQXZLOOEHGLVSOD\HG
$FWLRQ 'HOHWHVWKHFRUUHVSRQGLQJVHQW606PHVVDJH 'HOHWH0VJ DQGWKHVWDWXVUHSRUW 7RDFNQRZOHGJHWKHVWDWXVUHSRUWDQGFOHDU &OHDU WKHGLVSOD\ $VVRFLDWHGPVJ 'LVSOD\VWKHFRUUHVSRQGLQJVHQW606PHVVDJH
6HOHFWWKHDFWLRQUHTXLUHGDQGSUHVV 2.
5HXVDEOHPHVVDJHWHPSODWHV
, I\RXUQHWZRUNRSHUDWRUSURYLGH6, 0VWKDWDOORZXVHUVWRVWRUHSUH SURJUDPPHGPHVVDJHWHPSODWHVWKHQ 0VJWHPSODWHVZLOODSSHDU LQWKH0HVVDJHV6HWWLQJVPHQX7HPSODWHVDUHVHWVRISUHSUR JUDPPHGVHWWLQJVWREHXVHGZKHQVHQGLQJPHVVDJHV(DFKRIWKHVH
WHPSODWHVFDQEHJLYHQDQDPHIRUHDV\LGHQWLILFDWLRQDQGFDQEHVH OHFWHGDQGXVHGZKHQHYHUUHTXLUHG 7RFUHDWHDPHVVDJHWHPSODWH 3UHVV 6HOHFW0HVVDJHV6HOHFW6HWWLQJV 6HOHFW0VJWHPSODWHV&KRRVHDQ\EODQNWHPSODWH 7KHGLVSOD\ZLOOSURPSW\RXWRHQWHUWKHWHPSODWH1DPH 0VJ&HQWUHQXPEHU9DOLGLW\SHULRGDQG)RUPDW 'HIDXOWVHWWLQJVIRUSD\UHSO\DQGVWDWXVDUHDVVXPHG
RII
XQOHVVVHW , IRQO\RQHWHPSODWHLVVHWLWLVDXWRPDWLFDOO\XVHGE\GHIDXOW, IPRUH WKDQRQHWHPSODWHLVSURJUDPPHGDQ\RQHFDQEHVHOHFWHGIRUXVH ZKHQZULWLQJQHZPHVVDJHV
&DOOV7LPHV
'HWDLOVRIWKHLQFRPLQJDQGRXWJRLQJFDOOVDVZHOODVWKHWLPHGXUDWLRQRIWKH ODVWDQGDFFXPXODWHGWRWDORIDOOFDOOVPDGHDUHVWRUHGE\WKHSKRQHXQGHU WKH&DOOV7LPHVPHQX
&DOOVORJ
7KLVIHDWXUHVWRUHVGHWDLOVRIWKHODVWQXPEHUVGLDOOHGWKHODVW UHFHLYHGXQDQVZHUHGFDOOVDQGWKHODVWUHFHLYHGFDOOV7KHFDOOORJV DUHFRPPRQIRUERWK/LQHDQG/LQH
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOV/RJ 6HOHFW/DVW'LDO8QDQVZHUHGRU5HFHLYHG 8VH RU WRVFUROOWKURXJKWKHFDOOOLVWV 7KHODVWQXPEHUGLDOOHGRUUHFHLYHGLVGLVSOD\HGILUVW)RUXQDQVZHUHG DQGUHFHLYHGFDOOVLIWKHFDOOLQJSDUWLHVQXPEHULVNQRZQLWZLOOEH VKRZQRWKHUZLVH8QNQRZQQXPEHUZLOOEHGLVSOD\HG 3UHVVLQJ RQDKLJKOLJKWHGQXPEHUZLOOFDOOWKDWQXPEHU 3UHVVLQJ2SWLRQV ZLOOJLYHDFFHVVWRWKHIROORZLQJPHQX
, WHP 6WRUH 'HOHWH 'HOHWHDOO (GLW 'HWDLOV &DOO 8VH RU SURPSWV 3UHVV([LW $FWLRQ 6WRUHVWKHQXPEHULQWRSKRQHERRN 'HOHWHVWKHHQWU\ 'HOHWHVDOOWKHHQWULHV (GLWVWKHGLVSOD\HGQXPEHU 9LHZVWKHGHWDLOVQDPHQXPEHUDQGSRVVLEOH FDOOWLPHRIWKHKLJKOLJKWHGQXPEHU 0DNHVDFDOOWRWKHQXPEHU
WRVHOHFWWKHUHTXLUHGRSWLRQDQGIROORZWKHGLVSOD\ RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00, V\VWHP
, QWKHVWDQGE\GLVSOD\
2QH7RXFK
DFFHVVIRUWKHODVWGLDOOHGFDOOVPD\EHDYDLODEOHE\
SUHVVLQJ
&DOOWLPHV
7KHGXUDWLRQWLPHRIWKHODVWFDOOWRWDODFFXPXODWHGWLPHRIDOOFDOOV DQGWRWDOWLPHIRU/LQHDQG/LQHDUHVWRUHG 7LPHVIRUFDOOVPDGHDQGUHFHLYHGWKURXJKWKHVXEVFULSWLRQQHWZRUN DQGWKURXJKRWKHUQDWLRQDODQGLQWHUQDWLRQDOQHWZRUNVDUHGLV SOD\HGXQGHUWKH'HWDLOV VXEPHQX
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOO7LPHUV 6HOHFW6KRZ 8VH RU WRYLHZDOOWKHWLPHULQIRUPDWLRQ 7KHFDOOW\SHDQGWKHDFFXPXODWHGWLPHVRIRXWJRLQJDQGLQFRP LQJFDOOVZLOOEHGLVSOD\HG
3UHVVLQJ'HWDLOV ZLOOGLVSOD\GHWDLOVRIURDPLQJDQGLQWHUQD WLRQDOFDOOVHWF 3UHVV RU([LW WRUHWXUQWRWKHSUHYLRXVGLVSOD\ 3UHVVDQGKROG([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
, I/LQHLVVXEVFULEHGWRR
$OO&DOOV
IRU/LQHDQG/LQHZLOOEHGLVSOD\HGVHSDUDWHO\
%DODQFHLQIRUPDWLRQVXEVFULSWLRQVHUYLFHRQO\
7KLVLVDVXEVFULSWLRQVHUYLFHSURYLGHGE\VRPHQHWZRUNVDQGHQDEOHV \RXWRDVNIRU\RXUUHPDLQLQJDLUWLPHEDODQFH7KLVLQIRUPDWLRQLV VHQWE\WKHQHWZRUN &RQWDFW\RXUVHUYLFHSURYLGHURQDYDLODELOLW\DQGGHWDLOV
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOO7LPHUV 6HOHFW%DODQFHLQIRUPDWLRQ 6HOHFW&DOORU6HW1XPEHU , I&DOOLVVHOHFWHGDQGWKHEDODQFHLQIRUPDWLRQQXPEHUKDV DOUHDG\EHHQHQWHUHGDFDOOZLOOEHPDGHWRWKHEDODQFH LQIRUPDWLRQFHQWUH, IDQXPEHUKDVQRWEHHQHQWHUHGVHOHFW 6HW 1XPEHUDQGHQWHUWKHQXPEHU3UHVV2. WRVWRUH\RXU QXPEHURU WRVWRUHDQGFDOOWKHLQIRUPDWLRQFHQWUHQXPEHU
3UHVV
ZKHQWKHFDOOLVFRPSOHWHG
&DOOWLPHUUHVHW
7KLVIHDWXUHHQDEOHV\RXWRUHVHWDOOWKHFDOOWLPHUV<RXZLOOQHHGWKH GLJLWORFNFRGHWRRSHUDWHWKLVIHDWXUH 3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOO7LPHUV 6HOHFW5HVHW 6HOHFW<HVRU1R (QWHUWKHSKRQHORFNFRGHDQGSUHVV 2. 7KHDFWLRQZLOO EHFRQILUPHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
&DOOFRVWVPDQDJHPHQWVXEVFULSWLRQVHUYLFHRQO\
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW'LVSOD\FRVWW\SH 6HOHFW&XUUHQF\7KHSUHVHQWFXUUHQF\VHWWLQJVZLOOEHGLV SOD\HG 3UHVV(GLW (QWHUWKH3, 1FRGHDQGSUHVV2. (QWHUWKHDEEUHYLDWHGOHWWHUVRIWKHFXUUHQF\3UHVV 2. WR YDOLGDWH (QWHUWKHFRVWSHUXQLWLQWKHVHOHFWHGFXUUHQF\ 3UHVV2. WRYDOLGDWH 7KHGLVSOD\ZLOOFRQILUP\RXUVHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 7RVHWFDOOFRVWW\SHWRXQLWV
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW'LVSOD\FRVWW\SH 6HOHFW8QLWV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQWKHFRVWW\SHLVVHWWRXQLWVWKHFUHGLWOLPLWDQGWKHUHPDLQLQJFUHGLWDUHVKRZQLQXQLWV
7KHPHQX00, V\VWHP
6RPHQHWZRUNVRIIHUDQ$GYLFHRI&KDUJH$R&VXEVFULSWLRQVHUYLFH LQZKLFKLWLVSRVVLEOHWRVHHWKHFRVWRIWKHODVWFDOOPDGHWKHDFFX PXODWHGWRWDOFRVWRIDOOFDOOVDQGWKHUHPDLQLQJEDODQFHLQXQLWVRU FXUUHQF\RIDQ\
FRVWOLPLW
VHWE\WKHXVHU 7RGLVSOD\WKHVHFRVWVLQWKHFXUUHQF\RI\RXUFKRLFH\RXPXVWILUVWVH OHFWWKHFXUUHQF\DQGFRVWSHUXQLWRWKHUZLVHFDOOFRVWVLQXQLWVZLOOEH GLVSOD\HG 7RVHWFXUUHQF\DQGFRVWSHUXQLW
6HWWLQJWKHFUHGLWOLPLWLQXQLWVRUFXUUHQF\
$IWHUVHWWLQJWKHFXUUHQF\DQGFRVWSHUXQLWLIUHTXLUHGDQGDYDLODEOH RQ\RXUVXEVFULSWLRQ\RXDUHDOVRDEOHWRVHWDFUHGLWOLPLWLQXQLWVRU DQDPRXQWLQWKHFXUUHQF\RI\RXUFKRLFH:KHQWKHFUHGLWOLPLWLV UHDFKHGWKHSKRQHZLOOEHSUHYHQWHGIURPPDNLQJDQGUHFHLYLQJDOO FKDUJHDEOHFDOOV7KLVZLOOQRWSUHYHQWWKHSKRQHIURPPDNLQJHPHU JHQF\FDOOV
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW&UHGLW/LPLW7KHGLVSOD\ZLOOVKRZWKHSUHVHQWFUHGLW OLPLWVHWWLQJ 3UHVV(GLW (QWHUWKH3, 1FRGHDQGSUHVV 2. (QWHUWKHFUHGLWOLPLWXVH WRHQWHUDGHFLPDOSRLQW3UHVV 2. WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQDFUHGLWOLPLWLVHQWHUHGWKHVHOHFWLRQIURPWKH
&UHGLW/LPLW
GLVSOD\ZLOOEH(GLWRU6HW1R
/LPLW
6KRZFRVWV
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW6KRZ 8VH RU WRGLVSOD\WKHFRVWRIWKH/DVW&DOO$OO&DOOV DQGWKH5HPDLQLQJFUHGLWV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHUHPDLQLQJFUHGLWLVVKRZQLQHLWKHUXQLWVRUFXUUHQF\DVVHWE\&RVW7\SHPHQXDERYH
&DOOFRVWVUHVHWWLQJDOOFRVWVWR]HUR
7RUHVHWDOOWKHFDOOFRVWVWR]HUR
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW5HVHW 6HOHFW<HVWRUHVHWWKHFRVWVRU1RWRH[LW , I<HVLVVHOHFWHGHQWHUWKH3, 1QXPEHUDQGSUHVV 2. $OO&RVWV5HVHWZLOOEULHIO\EHGLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$OWHUQDWHOLQHVHUYLFHVHOHFWLQJOLQHVXEVFULSWLRQVHUYLFH
6RPH*60RSHUDWRUVVXSSRUWWKHXVHRIDVHFRQGOLQHZKLFK FDQEHPDGHDYDLODEOHWRH[LVWLQJXVHUV7KLVLVQRUPDOO\DVXEVFULS WLRQVHUYLFHDQGDOORZVIRUH[DPSOHWKHVHSDUDWLRQRILQFRPLQJDQG RXWJRLQJFDOOVIRUEXVLQHVVRUSULYDWHXVH7KHVHFRQGOLQHZLOOKDYH LWVRZQPRELOHQXPEHU7RVHOHFWWKHOLQHIRURXWJRLQJFDOOV
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW/LQHVHOHFWLRQ 7KHFXUUHQWOLQHVHOHFWLRQZLOOEHGLVSOD\HG 8VH RU WRVFUROOWRWKHOLQHUHTXLUHGDQGSUHVV 6HOHFW RU WRYDOLGDWH\RXUFKRLFH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
1DPHVFDQEHJLYHQWR/LQH2IILFHDQG/LQH+RPHIRUH[DPSOH5HIHUWRWKH2ZQ1XPEHU
PHQXVHHSDJHIRUGHWDLOV:KLFKHYHUOLQHLVVHOHFWHGWRPDNHRXWJRLQJFDOOVLQFRPLQJFDOOV DUHVWLOODEOHWREHUHFHLYHGRQHLWKHUOLQH
*60VHUYLFHV
'LYHUWLQJLQFRPLQJFDOOVQHWZRUNVHUYLFH
&DOOGLYHUWLQJLVDVHUYLFHZKLFKGLYHUWVLQFRPLQJFDOOVZKHWKHUYRLFH ID[RUGDWDWRDQRWKHUQXPEHU 7RWXUQRQDFDOOGLYHUW
3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOO'LYHUWLQJIRUWKHIROORZLQJPHQX
'LYHUWRSWLRQV $FWLRQ 'LYHUWVDOOLQFRPLQJYRLFHFDOOVXQFRQGLWLRQDOO\ $OZD\V 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHFDQQRWEH :KHQQRW UHDFKHGLHRXWRIVHUYLFH UHDFKDEOH 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHGRHVQRW 2QQRUHSO\ DQVZHU 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHLVEXV\ :KHQEXV\ 'LYHUWVDOOYRLFHFDOOVZKHQ1RW5HDFKDEOH1R $OOFRQGLWLRQV 5HSO\DQG:KHQ%XV\ &DQFHOVDOOGLYHUWV &DQFHODOO 'LYHUWVXQFRQGLWLRQDOO\DOOLQFRPLQJID[FDOOV $OO)$;FDOOV $OO'$7$FDOOV 'LYHUWVXQFRQGLWLRQDOO\DOOLQFRPLQJGDWDFDOOV
8VH RU WRVHOHFWWKHGLYHUWFRQGLWLRQDQGYDOLGDWHE\ SUHVVLQJ6HOHFW RU 6HOHFW$FWLYDWH 8VH RU WRFKRRVHEHWZHHQ9RLFH0DLO1DPHVRU 1XPEHU
7KHPHQX00, V\VWHP
3UHVV6HOHFW RU WRYDOLGDWH\RXUVHOHFWLRQ 7KHGLVSOD\ZLOOFRQILUP\RXUUHTXHVW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
, IWKH
2Q1R5HSO\
RSWLRQLVVHOHFWHG\RXZLOOEHUHTXHVWHGWRHQWHUDGHOD\SHULRGRIRU
VHFRQGV &DOOGLYHUWVIRUERWK/LQHDQG/LQHPXVWEHVHWIRUHDFKOLQH'XULQJFDOOGLYHUWSURJUDP PLQJRQO\WKHOLQHFXUUHQWO\VHOHFWHGLVDIIHFWHGE\WKHFDOOGLYHUWVHOHFWHG7RFDUU\RXWDFDOO GLYHUWRQWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH
7RWXUQRIIRUFKHFNWKHVWDWXVRIFDOOGLYHUW 3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOOGLYHUWLQJ 6HOHFWIURPWKHGLYHUWRSWLRQVDQG SUHVV 6HOHFW&DQFHORU6WDWXV <RXUVHOHFWLRQZLOOEHFRQILUPHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 7RFDQFHODOOPXOWLSOHGLYHUWV
3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOO'LYHUWLQJ 6HOHFW&DQFHODOO &RQILUPDWLRQZLOOEHGLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KLVDFWLRQFDQFHOVDOOYRLFHGLYHUWVIRUYRLFHID[HVDQGGDWDFDOOVIRUWKHOLQHFXUUHQWO\LQXVH7R
FDQFHOFDOOGLYHUWVIRUWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH VHOHFWLRQ
&DOOHU/LQH, GHQWLW\VKRZLQJKLGLQJ\RXUPRELOHQXPEHU
0RVWQHWZRUNVDOORZWKH&DOOHU/LQH, GHQWLW\IHDWXUH&/, LHWKHIHD WXUHZKLFKVKRZVWKHLQFRPLQJQXPEHU, 'ZKLOHUHFHLYLQJDFDOO6H OHFWLQJ5HFHLYLQJFDOOHU, 'ZLOODOORZ\RXWRFKHFNWKHDYDLODELOLW\RI VXFKDIHDWXUH
5HFHLYLQJFDOOHU, '
7KLVIHDWXUHHQDEOHV\RXWRILQGRXWZKHWKHUDQHWZRUNSUHVHQWVWKH , 'RILQFRPLQJFDOOV.
3UHVV 6HOHFW*606HUYLFHV 6HOHFW5HFHLYLQJFDOOHU, ' 7KHQHWZRUNZLOOUHWXUQHLWKHU&DOOLQJXVHU, 'DYDLODEOHRU &DOOLQJXVHU, 'XQDYDLODEOH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
2QQHWZRUNVZKLFKDOORZFDOOHUOLQHLGHQWLW\\RXFDQGLVDEOHWKHVHQG LQJRI\RXURZQQXPEHURQDFDOOE\FDOOEDVLVE\DGGLQJEH IRUHWKHQXPEHU\RXDUHFDOOLQJ$OWHUQDWLYHO\\RXFDQDVN\RXUVHUYLFH RSHUDWRUWRDOZD\VGLVDEOHWKHVHQGLQJRI\RXUPRELOHQXPEHU, QWKLV
FDVHLI\RXZLVKWRUHYHDO\RXUQXPEHURQDFDOOE\FDOOEDVLV\RXFDQ GRVRE\DGGLQJ
EHIRUHWKHQXPEHU\RXZLVKWRFDOO
6WDQGDUGQHWZRUNVHWWLQJ
7RUHVHWWKHVWDQGDUGQHWZRUNVHWWLQJIRUVHQGLQJ\RXUPRELOH, ' 3UHVV 6HOHFW*606HUYLFHV 6HOHFW6HQGLQJP\, ' 6HOHFW0\VHWWLQJV 6HOHFW3UHVHW7KHSKRQHZLOOUHVHWWRWKHQHWZRUNVHWWLQJ DJUHHGZLWK\RXUVHUYLFHSURYLGHU 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW*606HUYLFHV 6HOHFW6HQGLQJP\, ' 6HOHFW0\VHWWLQJV 6HOHFW+LGHP\, 'RU6KRZP\, ' 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW*606HUYLFHV 6HOHFW6HQGLQJP\, ' 6HOHFW6WDWXV 7KHSKRQHZLOOGLVSOD\\RXUFXUUHQWVHWWLQJWDNLQJLQWR DFFRXQWERWKQHWZRUNDQGSKRQHVHWWLQJV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
+LGLQJRUVKRZLQJ\RXUQXPEHU
)LQGLQJRXW\RXUFXUUHQW, 'VHWWLQJ
1HWZRUN
:KHQWKHSKRQHLVWXUQHGRQLWDXWRPDWLFDOO\VHDUFKHVIRUWKHODVW QHWZRUNLWZDVUHJLVWHUHGRQXVXDOO\WKHKRPHQHWZRUN, IWKLVLVQRW DYDLODEOHWKHSKRQHZLOODXWRPDWLFDOO\VHDUFKDQGVHOHFWDQHWZRUN IURPWKHSUHIHUUHGQHWZRUNOLVWFRQWDLQHGLQWKH6, 0
(GLWLQJWKHSUHIHUUHGOLVW
7KHSKRQHFRQWDLQVDOLVWRIQHWZRUNVZKLFKFDQEHVHOHFWHGDQG WUDQVIHUUHGWRWKHSUHIHUUHGQHWZRUNVOLVWVWRUHGLQWKH6, 0 7KLVOLVWFDQEHFKDQJHGWRVXLWH\RXUWUDYHODUUDQJHPHQWV 7KHRUGHUDQGQDPHRIWKHQHWZRUNVLQWKHSUHIHUUHGQHWZRUNVOLVW FDQEHFKDQJHGDQGHGLWHG
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW3UHIHUUHG/LVW$OLVWRIQHWZRUNVZLOOEHGLVSOD\HG
7KHPHQX00, V\VWHP
8VH RU WRYLHZWKHOLVW 3UHVV2SWLRQV WRFKDQJHLW7KHIROORZLQJLWHPVDUHGLV SOD\HG 2SWLRQ 0RGLI\E\ OLVW (GLWE\ FRGH 'HOHWH 'HVFULSWLRQ 'LVSOD\VWKHJHQHUDOOLVWRIDOONQRZQ QHWZRUNVFRQWDLQHGLQWKHSKRQHLQ DOSKDEHWLFDORUGHU (GLWVRUHQWHUVDQHWZRUNQXPEHU0&& 01&LI\RXNQRZWKLVLQIRUPDWLRQ 'HOHWHVDQHQWU\
3UHVV6HOHFW WRFRQILUPWKHVHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
<RXU6, 0PD\FRQWDLQDIRUELGGHQOLVWRIQHWZRUNVZKLFKFDQQRWEH XVHG7RYLHZWKHIRUELGGHQOLVWRUVKRZWKHKRPHQHWZRUN
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFWHLWKHU)RUELGGHQRU+RPHQHWZRUN $OLVWRIWKHIRUELGGHQQHWZRUNVRUWKHKRPHQHWZRUNZLOO EHGLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
6HOHFWLQJPDQXDOVHDUFK
7KHUHPD\RFFDVLRQVZKHQ\RXZLVKWRVHOHFWDVSHFLILFQHWZRUN ZKLFKKDVEHWWHUFRYHUDJHLQ\RXUFXUUHQWORFDWLRQIRUH[DPSOH
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW6HDUFK 6HOHFW0DQXDO$FRQILUPDWLRQVFUHHQDQG 6FDQQLQJIRU 1HWZRUNVZLOOEHGLVSOD\HG 8VH RU WRVHOHFWDQHWZRUNIURPWKHOLVWVKRZQ 3UHVV WRFRQILUPWKHVHOHFWLRQ 5HTXHVWLQJIROORZHGE\WKHQDPHRIWKHQHWZRUNZLOOEH VKRZQDIWHUZKLFKWKHSKRQHZLOOUHWXUQWRWKHVWDQGE\GLV SOD\
<RXFDQQRWGHOHWHDQHWZRUNIURPWKHIRUELGGHQOLVW7KLVOLVWZLOOEHDXWRPDWLFDOO\XSGDWHGZKHQ
WKHPDQXDOQHWZRUNVHOHFWLRQLVSHUIRUPHG
6HOHFWLQJDXWRPDWLFVHDUFKQRUPDOGHIDXOWVHWWLQJ
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW6HDUFK 6HOHFW$XWRPDWLF 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RSHUIRUPDQDXWRPDWLFVHDUFKIURPWKHSUHIHUUHGOLVWSURFHHGDV IROORZV
&DOOEDUULQJQHWZRUNVHUYLFH
7KLVLVDQHWZRUNVHUYLFHZKLFKDOORZV\RXWRVWRSGLIIHUHQWW\SHVRI FDOOVEHLQJPDGHDQGUHFHLYHGRQWKHSKRQH , WUHTXLUHVWKHXVHRIDQHWZRUNEDUULQJSDVVZRUGDYDLODEOHRQO\IURP \RXUVHUYLFHSURYLGHU 7RSXWRQDFDOOEDU
3UHVV 6HOHFW6HUYLFHV 6HOHFW&DOOEDUULQJ 6HOHFW2XWJRLQJFDOOVRU, QFRPLQJFDOOV&KRRVHIURPWKH IROORZLQJ
, QW
QDOH[FO KRPH , QFRPLQJ$OOLQFRPLQJ 5RDPLQJ RQO\
6HOHFWWKHRSWLRQXVLQJ RU 3UHVV6HOHFW 6HOHFW$FWLYDWH(QWHUWKHSDVVZRUGDQGSUHVV 6HOHFW 7KHQHWZRUNZLOOFRQILUPWKHVHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOO%DUULQJ
7RWDNHRIIRUFKHFNWKHVWDWXVRIDFDOOEDU
8VH RU WRVHOHFWWKHEDUWREHWDNHQRII&DQFHORU FKHFNWKH6WDWXVDQGSUHVV
7KHPHQX00, V\VWHP
6HOHFW 2XWJRLQJ $OORXWJRLQJ , QW
QDOFDOOV
0HDQLQJ $OORXWJRLQJFDOOVZLOOEHEDUUHG $OORXWJRLQJLQWHUQDWLRQDOFDOOV RQO\ZLOOEHEDUUHG $OORXWJRLQJLQWHUQDWLRQDOFDOOV H[FHSWWRRWKHUVXEVFULEHUV ZLWKLQWKHXVHUVKRPHQHWZRUN $OOLQFRPLQJFDOOVZLOOEHEDUUHG $OOLQFRPLQJFDOOVZKHQQRWRQ WKHKRPHQHWZRUN
7RFKDQJHWKHSDVVZRUG,
, IFKRRVLQJWRWDNHRIIDFDOOEDUWKHSDVVZRUGZLOOEH UHTXLUHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOOEDUULQJ 6HOHFW&KDQJHSDVVZRUG 7KHROGSDVVZRUGZLOOEHUHTXHVWHGIROORZHGE\WZR UHTXHVWVWRHQWHUWKHQHZSDVVZRUG&RQILUPDWLRQZLOOEH GLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
&ORVHGXVHUJURXS&8*VXEVFULSWLRQVHUYLFHRQO\
7KLVLVDQHWZRUNVHUYLFHIHDWXUHDQGDOORZVWKHSKRQHWRPDNHRUUH FHLYHFDOOVRQO\IURPVHOHFWHGJURXSVRISHRSOH7KHJURXSVOHYHORI DFFHVVDQGZKHWKHURQHRIWKHJURXSVKDVSUHIHUHQWLDOFDOOLQJDFFHVV LVVHWXSDWWKHWLPHRIVXEVFULSWLRQ7KLVLVQRWDVLQJOHXVHUIHDWXUH DQGLVPDLQO\IRUEXVLQHVVHVZLVKLQJWREHQHILWIURPFORVHGLQWHUQDO FRPPXQLFDWLRQV 8SWRJURXSVPD\EHVHWXS8QOHVVDXWKRULVHGFDOOVPDGHRUUH FHLYHGWRRUIURPQXPEHUVRXWVLGHWKHJURXSDUHQRWSHUPLWWHG 7RWXUQRQDQGRII&8*DQGVHOHFWW\SHRI&8*VHUYLFH
3UHVV 6HOHFW*606HUYLFHV 6HOHFW&8*7KHFXUUHQW&8*VWDWXVZLOOEHGLVSOD\HG 3UHVVLQJ6HW ZLOOGLVSOD\WKHIROORZLQJRSWLRQV 2SWLRQV 1R&8* 3DUWLDO&8* &8*2QO\ 0HDQLQJ &8*LVRII1RJURXSVDFWLYH&DOOVFDQEH PDGHRXWVLGHWKHJURXS /LPLWHGFDOOVWRDQGIURPXVHUVRXWVLGHWKH JURXSDQGIURPXVHUVZLWKLQWKHJURXS 2QO\DEOHWRPDNHDQGUHFHLYHFDOOVIURP XVHUVZLWKLQWKHJURXS
8VH RU WRVHOHFWWKHUHTXLUHGRSWLRQ 3UHVV )ROORZWKHGLVSOD\SURPSWV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
1R&8*
LVWKHVHWWLQJIRUQRUPDOXVH
%URDGFDVWFHOOEURDGFDVW&%PHVVDJHV
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
7RHQWHUDPHVVDJHW\SHLQWKHVHOHFWLRQOLVW
8SWRPHVVDJHW\SHVFDQEHHQWHUHGLQWRWKHVHOHFWLRQOLVW 3UHVV 6HOHFW%URDGFDVW 6HOHFW0HVVDJHW\SHV3UHVV2SWLRQV 6HOHFW*HW)URP/LVWRU(GLWLIW\SHQXPEHULVNQRZQ 6FUROOWRWKHPHVVDJHW\SHUHTXLUHG3UHVV 6HOHFW WRYDOL GDWH\RXUVHOHFWLRQ 7KHGLVSOD\ZLOOFRQILUP\RXUFKRLFH 3UHVV2SWLRQV DJDLQWRVHOHFWPRUHPHVVDJHW\SHVIURP WKHOLVWHQWHUDPHVVDJHW\SHQXPEHULINQRZQRUGHOHWHD PHVVDJHW\SH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW%URDGFDVW 6HOHFW2Q2II 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RWXUQRQRURIIWKHEURDGFDVWVHUYLFH
5HDGLQJEURDGFDVWPHVVDJHV
%URDGFDVWPHVVDJHVDUHVKRZQLQWKHVWDQGE\GLVSOD\RQO\DQGDUH VXSSUHVVHGGXULQJFRQYHUVDWLRQRUPHQXRSHUDWLRQ$PHVVDJHFDQ EHXSWRFKDUDFWHUVLQOHQJWKDQGFRYHUVHYHUDOSDJHV3DJHVZLOO DXWRPDWLFDOO\FKDQJHDSSUR[LPDWHO\HYHU\ILYHVHFRQGVRUE\DSUHVV RQ
7KHPHQX00, V\VWHP
2SWLRQVGXULQJPHVVDJHGLVSOD\
$SUHVVRQ([LW ZLOOFOHDUWKH&%FXUUHQWO\GLVSOD\HG 3UHVVLQJ ZLOOGLDOWKHQXPEHUVKRZQLQWKHGLVSOD\ZLWKLQWKH PHVVDJH 3UHVVLQJ2SWLRQV ZLOOGLVSOD\WKHIROORZLQJPHQX 2SWLRQ 'HOHWH 'HOHWH$OO 1XPEHUV %URDGFDVW 2II $FWLRQ 'HOHWHWKHFXUUHQWPHVVDJH 'HOHWHVDOOPHVVDJHVVWRUHGLQWKHTXHXH 'LVSOD\VDOOSKRQHQXPEHUVIRXQGLQWKH PHVVDJHWH[WDQGDOORZVWRGLDORUVWRUH WKHPLQWKHVFUDWFKSDGLIUHTXLUHG 7XUQVRIIFHOOEURDGFDVW
7RWXUQRQRURIIWKHDOHUWWRQH
, IUHTXLUHGDQDOHUWWRQHFDQEHWXUQHGRQWR
EHHS
HYHU\WLPHDQHZ RUXSGDWHGEURDGFDVWPHVVDJHLVUHFHLYHG 3UHVV 6HOHFW%URDGFDVW 6HOHFW$OHUW 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RGHOHWHRUHGLWDPHVVDJHIURPWKHOLVW
0HVVDJHW\SHVSXWLQWRWKHVHOHFWLRQOLVWFDQEHGHOHWHGDQGFKDQJHG 3UHVV 6HOHFW%URDGFDVW 6HOHFW0HVVDJHW\SHV6HOHFW2SWLRQV 6HOHFW'HOHWH(GLWRU*HWIURPOLVW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
%URDGFDVWODQJXDJH
, ISURYLGHGWKHFHOOEURDGFDVWODQJXDJHXVHGLVWKHVDPHDVWKHRQH VHOHFWHGIRUXVHLQWKHSKRQH
VPHQX
6WDQGDUGSUHGHILQHGOLVWRIDUHDLQIRUPDWLRQW\SHQXPEHUV
7\SH1R 'HVFULSWLRQ , QGH[ , QIRUPDWLRQ )ODVKHV +RVSLWDOV 'RFWRUV 3KDUPDFLHV /RQJGLVWDQFH 5RDG5HSRUWV /RFDO5RDG 5HSRUW 7D[LV 7\SH1R 'HVFULSWLRQ :HDWKHU5HSRUWV 'LVWULFW0HVVDJHV 67'&RGHV 1HWZRUN , QIRUPDWLRQ 2SHUDWRU6HUYLFHV 'LUHFWRU\6HUYLFHV 1DWLRQDO 'LUHFWRU\6HUYLFH , QWHUQDWLRQDO &XVWRPHU&DUH 1DWLRQDO &XVWRPHU&DUH , QWHUQDWLRQDO
3KRQHVHWWLQJVFXVWRPLVLQJ\RXUSKRQH
. H\SDGORFN
:KHQNH\SDGORFNLVWXUQHGRQLWSUHYHQWVDFFLGHQWDORSHUDWLRQRIWKH NH\VDQGDFFHVVLQWRWKHPHQXV7KHNH\WRQHVDUHDOVRVLOHQFHG . H\SDGORFNLVVXVSHQGHGGXULQJLQFRPLQJFDOOVDQGUHVXPHGZKHQ WKHFDOOLVWHUPLQDWHG(PHUJHQF\FDOOVFDQVWLOOEHPDGH, IDNH\LV SUHVVHGWKHGLVSOD\ZLOOJLYHDUHPLQGHUWKDWNH\SDGORFNLVRQ 7KHUHDUHWZRZD\VWRWXUQNH\SDGORFNRQDQGRII 'LUHFWO\IURPWKHNH\SDGLQWKHVWDQGE\GLVSOD\
3UHVV/RFN SOXV WRWXUQNH\SDGORFNRQ 7KHGLVSOD\ZLOOVKRZ 3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII 3UHVV 6HOHFW6HWWLQJV 6HOHFW. H\SDGORFNWRWXUQNH\SDGORFNRQ 3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII
8VLQJWKHPHQX
. H\SDGORFNLVFDQFHOOHGZKHQFRQQHFWHGWRWKHKDQGVIUHHFDUNLW
7KHPHQX00, V\VWHP
+DYLQJWKHEURDGFDVWVHUYLFHFRQWLQXRXVO\RQUHGXFHVWKHEDWWHU\VWDQGE\WLPH
/DQJXDJHVHOHFWLRQ
$OOWKHGLVSOD\PHVVDJHVFDQEHVKRZQLQRQHRIHLJKWODQJXDJHV (QJOLVK'XWFK)UHQFK*HUPDQ, WDOLDQ6SDQLVK3RUWXJXHVH*UHHN 7RVHOHFWWKHODQJXDJHRI\RXUFKRLFH
3UHVV 6HOHFW6HWWLQJV 6HOHFW/DQJXDJH 8VH RU WRVHOHFWDODQJXDJHIURPWKHGLVSOD\HGOLVW 3UHVV WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RUHVHWWKHSKRQHWRWKHODQJXDJHRIWKH6, 0HQWHU
7RUHVHWWKHSKRQHODQJXDJHWR(QJOLVKHQWHU
$OHUWPRGH
7RDYRLGGLVWXUELQJRWKHUV\RXFDQWXUQRIIWKHLQFRPLQJULQJWRQH NH\WRQHVDQGDOODOHUWWRQHV 7KHUHDUHWZRZD\V 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
, QWKHVWDQGE\GLVSOD\SUHVVLQJ 6LOHQW 6FUROOWRWKHGHVLUHGVHWWLQJ3UHVV FKRLFH ZLOODSSHDULQWKHGLVSOD\
ZLOOGLVSOD\5LQJRU WRYDOLGDWH\RXU
8VLQJWKHPHQX
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW$OHUWWRQHV 6HOHFW5LQJRU6LOHQW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQVLOHQWPRGHLVRQDOOWRQHVDUHRII7KLVVHWWLQJLVQRWVDYHGZKHQWKHSKRQHLVWXUQHGRII
5LQJWRQHVHOHFWLRQ
<RXFDQFKRRVHWKHVRXQGRIWKHLQFRPLQJULQJWRQHIURPDVHOHFWLRQ RIULQJWRQHPHORGLHVVWRUHGLQWKHSKRQH 7RKHDU\RXUFKRVHQULQJWRQHPHORG\ZDLWVHYHUDOVHFRQGVEHIRUH FRQILUPLQJ\RXUFKRLFH7KHPHORG\ZLOOEHSOD\HG 5LQJWRQHVHOHFWLRQLVPDGHWKURXJKWKH 6HWWLQJVPHQX
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV
6HOHFW5LQJ7RQH 8VH RU WROLVWHQWRWKHGLIIHUHQWULQJWRQHV3UHVV VHOHFWWKHFXUUHQWWRQH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ WR
6HSDUDWHWRQHVPXVWEHVHOHFWHGIRU/LQHDQG/LQH
9ROXPHDGMXVWPHQWV
7KHYROXPHOHYHOVRIWKHULQJWRQHNH\WRQHVDQGLQFRPLQJDXGLRFDQ DOOEHLQGLYLGXDOO\DGMXVWHGIURPWKHVWDQGE\GLVSOD\E\SUHVVLQJ RULQWKH6HWWLQJVPHQX
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW9ROXPH 6HOHFW5LQJ5DPSLQJ. H\VRU&RQYHUVDWLRQ
7KHGLVSOD\ZLOOFRQILUPWKHVHOHFWLRQQDPLQJWKHYROXPHWREHDG MXVWHG
8VH RU WRDGMXVWWKHVHWWLQJ 3UHVV2. WRYDOLGDWHWKHVHWWLQJ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
'XULQJDFDOO\RXFDQDGMXVWWKHFRQYHUVDWLRQE\XVLQJ
)RUULQJWRQHDQGNH\WRQHWKHORZHVWVHWWLQJLVRII
RU
5DPSLQJ
5DPSLQJLVDIHDWXUHWKDWZKHQWXUQHGRQZLOOFDXVHWKHLQFRPLQJ ULQJWRQHWRJUDGXDOO\LQFUHDVHWRWKHPD[LPXPYROXPHOHYHOLIWKH FDOOLVQRWDQVZHUHGDIWHUWKHILUVWULQJ
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW9ROXPH 6HOHFW5DPSLQJ 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQWXUQHGRQWKHYROXPHRIWKHLQFRPLQJULQJWRQHZLOOVWDUWIURPWKHPLQLPXPDQGULVHWRWKH
PD[LPXPYROXPHXQWLODQVZHUHG
7KHPHQX00, V\VWHP
%DFNOLJKWVHWWLQJ
7KLVRSWLRQDOORZVWKHXVHUWRFRQWUROWKHRSHUDWLRQRIWKHEDFNOLJKW GXULQJNH\HQWU\RULQFRPLQJULQJWRQH 7KHUHDUHWZRVHWWLQJV 2QIRUVHFWKHGLVSOD\DQGNH\EDFNOLJKWZLOOVWD\RQIRU VHFRQGVDIWHUWKHODVWNH\SUHVVRULQFRPLQJFDOO 2IIWKHEDFNOLJKWVZLOOVWD\RII
3UHVV 6HOHFW6HWWLQJV 6HOHFW'LVSOD\ 6HOHFW%DFNOLJKW 6HOHFWHLWKHURIWKHWZRVHWWLQJV 3UHVV WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
'LVSOD\FRQWUDVW
7KHFRQWUDVWRIWKHGLVSOD\FDQEHDGMXVWHGWRVXLWWKHVXUURXQGLQJ OLJKWFRQGLWLRQV 7RPRGLI\WKHGLVSOD\FRQWUDVW
3UHVV 6HOHFW6HWWLQJV 6HOHFW'LVSOD\ 6HOHFW&RQWUDVW $GMXVWWKHFRQWUDVWXVLQJ RU 3UHVV2. WRYDOLGDWHWKHVHWWLQJ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ DQG1RULQJ WREHSUHVVHG
$Q\NH\DQVZHU
7KLVIHDWXUHHQDEOHVDQ\NH\H[FHSW WRDQVZHUDQLQFRPLQJFDOO
3UHVV 6HOHFW6HWWLQJV 6HOHFW. H\V6HOHFW$Q\. H\$QVZHU 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$XWRDQVZHU
7KLVIHDWXUHRQO\ZRUNVZKHQWKHSKRQHLVFRQQHFWHGWRDKDQGVIUHH FDUNLWRUKHDGVHWDQGHQDEOHVWKHSKRQHWRDXWRPDWLFDOO\DQVZHUDQ LQFRPLQJFDOODIWHUDSSUR[LPDWHO\VHFRQGVZLWKRXWKDYLQJWRSUHVV DQ\NH\V
3UHVV 6HOHFW6HWWLQJV 6HOHFW$XWRIHDWXUHV
6HOHFW$XWRDQVZHU 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$XWRUHWU\
7KLVIHDWXUHHQDEOHVWKHSKRQHWRDXWRPDWLFDOO\UHGLDOWKHQXPEHURI DIDLOHGFDOOGXHWRDV\VWHPEXV\RUXQDYDLODEOHVLJQDOIURPWKHQHW ZRUNIRUXSWRWLPHVDIWHUZKLFKLWZLOOVWRS
3UHVV 6HOHFW6HWWLQJV 6HOHFW$XWRIHDWXUHV 6HOHFW$XWRUHWU\ 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQDFWLYDWHG$XWRUHWU\DQGDFRXQWGRZQWLPHUWRWKHQH[WFDOO DWWHPSWZLOODSSHDULQWKHGLVSOD\$QDXWRUHWU\ZDUQLQJWRQHZLOO VRXQGHDFKWLPHDQHZFDOODWWHPSWLVPDGH , IWKHDXWRPDWLFUHGLDOOLQJLVVXFFHVVIXOSURFHHGZLWKWKHFDOODVQRU PDO3UHVVLQJ([LW RUDQ\NH\GXULQJWKHUHWU\LQJSURFHVVZLOOFDQ FHODXWRUHWU\DQGHQGWKHGLDOOLQJSURFHVVIRUWKDWFDOO 7KHVHFXULW\IHDWXUHVGHVFULEHGLQWKLVVHFWLRQSURWHFWV\RXUSKRQH IURPXQDXWKRULVHGXVH :KHQUHTXHVWHGHQWHUWKHFRGHZKLFKDSSHDUDVDVWHULVNV
DQG SUHVV2. , I\RXPDNHDPLVWDNHSUHVV&OHDU DQGHQWHUWKHFRUUHFWGLJLWV
OLQJRIWKHVHQXPEHUV
$YRLGXVLQJFRGHVVLPLODUWRHPHUJHQF\QXPEHUVVXFKDVRUWRSUHYHQWDFFLGHQWDOGLDO
. ((3$5(&25'2)<285&2'(6$1'. ((37+(0, 1$6$)(3/$&( )$, /85(72'262:, //&$86(<28&216, '(5$%/( , 1&219(1, (1&(
3KRQHORFNFRGH
$SKRQHORFNFRGHLVVXSSOLHGZLWKWKHSKRQHIRUVHFXULW\SXUSRVHV , WSUHYHQWVXQDXWKRULVHGDFFHVVWRWKHSKRQH 7KHIDFWRU\VHWWLQJLV:HVXJJHVWWKDW\RXUHVHWWKLVFRGHDQG NHHSLWLQDVDIHSODFHVHSDUDWHIURPWKHSKRQH 7KHSKRQHORFNFRGHLVDOVRUHTXLUHGWRUHVHWWKHFDOOWLPHUV:KHQHQ DEOHGWKHFRGHZLOOEHDVNHGIRUHDFKWLPHWKHSKRQHLVWXUQHGRQ 7RFKDQJHWKHSKRQHORFNFRGH
3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\6HOHFW3KRQHORFN
7KHPHQX00, V\VWHP
6HFXULW\IHDWXUHV
6HOHFW&KDQJH&RGHDQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. WRYDOLGDWHWKHQHZFRGH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 7RWXUQRQRURIIWKHSKRQHORFNFRGH
3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\6HOHFW3KRQHORFN 6HOHFW2QRU2II 7KHSKRQHORFNFRGHZLOOEHUHTXHVWHGWRDXWKRUL]H\RXU VHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQSKRQHORFNLVRQHPHUJHQF\FDOOVFDQVWLOOEHPDGH
3, 1FRGH
<RXU6, 0LVSURYLGHGZLWKDGLJLW3, 1FRGHWRSURWHFWLWIURPXQ DXWKRULVHGXVDJH:KHQHQDEOHGWKH3, 1FRGHZLOOEHDVNHGIRUHDFK WLPHWKHSKRQHLVWXUQHGRQ, I\RXHQWHUWKHZURQJ3, 1FRGHWKUHH WLPHVLQVXFFHVVLRQ\RXU6, 0FDUGZLOOEHEORFNHGDQG\RXZLOOQHHG WKHGLJLW38. FRGHIURP\RXUVHUYLFHSURYLGHUVHHSDJH 7RWXUQRQDQGRIIWKH3, 1
3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\ , IDOUHDG\RII3, 1HQDEOHZLOOEHVKRZQ , IDOUHDG\RQ3, 1GLVDEOHDQG3, 1FKDQJHZLOOEHVKRZQ 3UHVV6HOHFW DQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. [. . . ] (QWHUWKHVHFRQGFXUUHQF\QDPHHJ<HQ3UHVV 2. (QWHUWKHH[FKDQJHUDWHXVLQJ WRHQWHUDFRPPD 3UHVV2. WRYDOLGDWHWKHHQWU\ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
&RQYHUVLRQIURPRQH(XURODQGFXUUHQF\WRDQRWKHURUWRQRQ(XURODQGFXUUHQFLHVVKRXOGQRUPDOO\
IROORZWULDQJXODWLRQUXOHVLHFRQYHUVLRQRIORFDOFXUUHQF\WR(XURDQGWKHQ(XURWRRWKHUORFDO FXUUHQF\<RXU&XUUHQF\FRQYHUWHUGRHVQRWSURYLGHWKLVSRVVLELOLW\$FFRUGLQJO\WKHUHVXOW\RX REWDLQVKDOORQO\EHDFORVHDSSUR[LPDWLRQ
*60PDQPDFKLQHLQWHUIDFHFRGHV
7KHSKRQHVXSSRUWVWKHVWDQGDUG*60NH\VHTXHQFHVXVLQJWKH
DQGFKDU DFWHUVVHQWGLUHFWO\IURPWKHNH\SDGWRWKHQHWZRUN7KHVHVHTXHQFHVDUHXVHG WRDFWLYDWHDOOWKHVXSSOHPHQWDU\VHUYLFHVSURYLGHGE\WKHQHWZRUN
&RQVXOW\RXUVHUYLFHSURYLGHUIRUDFRPSOHWHOLVW
$SSHQGL[
$FFHVVRULHVOLVW
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
)=$$
$SSHQGL[
)=$$
*ORVVDU\
([SUHVVLRQ
$&'&FKDUJHU $FWLYHFDOO $/6 $R& &% &/, &RQYHUVDWLRQPRGH &8* 'LYHUWLQJ '70) )'1 *60 , 1 /&' /(' 00, 3, 13, 1 38. 38. [. . . ]