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. FRGHDQGSUHVV2. <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, 0FDUGSDJH
%DWWHU\
)LWWLQJ
6HH)LWWLQJWKHEDWWHU\SDJH
5HPRYLQJ
3XVKDQGKROGXSWKHEDWWHU\FDWFK 7KHEDWWHU\ZLOOEHUHOHDVHGDQGFDQQRZEHUHPRYHG %DWWHU\FDWFK
/RZEDWWHU\ZDUQLQJ
:KHQWKHEDWWHU\SRZHUIDOOVWRLWVORZHVWOHYHOWKHPHVVDJH/RZ %DWWHU\ZLOOEHGLVSOD\HGDQGDORZEDWWHU\ZDUQLQJWRQHZLOOVRXQG , I\RXDUHRQDFDOOWHUPLQDWHWKHFDOODQGWXUQRIIWKHSKRQHE\SUHVVLQJ DQGKROGLQJGRZQ 5HFKDUJHWKHEDWWHU\DVVKRZQEHORZRUVZDSLWIRUDFKDUJHGRQH
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\'DWDWKDW
QHHGVWREHVDYHGE\WKH6, 0PD\EHORVW
&KDUJLQJ
3OXJWKHFKDUJHULQWRWKHZDOOVRFNHWDQGWXUQRQWKHPDLQV7KHEDW WHU\ZLOOVWDUWWRFKDUJH 7KHSKRQHFDQEHXVHGZKLOVWFKDUJLQJEXWLWZLOOLQFUHDVHWKHFKDUJLQJ WLPH
&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 GLJLWSKRQHORFNFRGHDQGSUHVV2. , I\RXU6, 0LV3, 1SURWHFWHG(QWHU3, 1ZLOOEHGLVSOD\HG (QWHUWKH3, 1FRGHDQGSUHVV2.
6HHSDJHVDQGIRUPRUHGHWDLOVRQ\RXU3, 1DQGORFNFRGHV
, QWKLVFRQGLWLRQWKHSKRQHLVUHDG\WRUHFHLYHRUPDNHFDOOVRUSHUIRUP PDQ\RIWKHRSHUDWLRQVFRQWDLQHGLQLWVIHDWXUHOLVW )URPWKHVWDQGE\GLVSOD\SUHVVLQJ ZLOOJLYHGLUHFWDFFHVVWRQXP EHUVVWRUHGLQ\RXUSKRQHERRNVHHSDJH3UHVVLQJ ZLOOHQWHU WKHSKRQHPHQX3UHVVLQJ JLYHVDFFHVVWRWKHYROXPHVFRQWUROVHH SDJHDQGSUHVVLQJ DOORZV\RXWRVLOHQFHWKHLQFRPLQJULQJ WRQH3UHVVLQJDQ\RIWKHQXPEHUNH\V j HW ZLOOHQWHUWKDW QXPEHULQWKHGLVSOD\VHHDOVR6SHHGGLDOOLQJSDJH 3UHVVLQJ ZLOOGLDODGLVSOD\HGQXPEHUZKLOVWSUHVVLQJ ZLOOVWRSWKHGLDOOLQJRU HQGDFDOO
. H\SDGORFN
:KHQDFWLYDWHGWXUQHGRQNH\SDGORFNSUHYHQWVDFFLGHQWDOFDOOVRU DFWLRQVEHLQJPDGHE\XVHUZKHQWKHSKRQHLVFDUULHGLQDSRFNHW EULHIFDVHRUKDQGEDJ:KHQRQNH\SDGORFNGRHVQRWSUHYHQWFDOOV EHLQJUHFHLYHGZKLFKDUHDQVZHUHGLQWKHQRUPDOZD\2Q FRPSOHWLRQRIDUHFHLYHGFDOONH\SDGORFNLVDXWRPDWLFDOO\UHDFWLYDWHG
%DVLFRSHUDWLRQV
$GLVSOD\DQLPDWLRQZLOOEHVKRZQ7KLVLVIROORZHGE\D UHJLVWUDWLRQWRQHDIWHUZKLFKWKHQDPHRIWKHQHWZRUNDQGRU VHUYLFHSURYLGHUZLOOEHGLVSOD\HGWRJHWKHUZLWKWKHWLPHDQGGDWH VLJQDODQGEDWWHU\OHYHOLQGLFDWRUVDQGWKH, QWHUQHWDQG606 VRIWNH\IXQFWLRQV 6HHSDJHIRUVHWWLQJWKHWLPHDQGGDWH 7KLVLVWKHQRUPDOVWDQGE\GLVSOD\
7RWXUQNH\SDGORFNRQ 3UHVVDQGKROGGRZQ ZLOOEHGLVSOD\HG 7RWXUQNH\SDGORFNRII 3UHVV8QORFN SOXV
, IWKHULJKWVRIWNH\KDVEHHQSURJUDPPHGZLWKDQRWKHUIXQFWLRQVHHSDJHKROGLQJWKHNH\
ZLOOORFNXQORFNWKHNH\SDG 6HHSDJHIRUPRUHNH\SDGORFNGHWDLOV
, QWHUQHW
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
0HVVDJHV606
%DFNOLJKWRSHUDWLRQ
6HHSDJHVIRUEDFNOLJKWDGMXVWPHQW
7XUQLQJRIIWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRIIWRQHZLOOVRXQGWRFRQILUP\RXUDFWLRQ'XULQJVZLWFK RIIDGLVSOD\DQLPDWLRQZLOOEHVKRZQ7KHPRELOHZLOOWKHQWXUQ RII
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\DVGDWDZKLFKPD\QHHGWREHVDYHGLQWKH6, 0
ZLOOEHORVW
0DNLQJDQGUHFHLYLQJFDOOV
7KHSKRQHFDQRQO\PDNHDQGUHFHLYHFDOOVZKHQLWLVVZLWFKHGRQXQORFNHG KDVDYDOLG6, 0FDUGLQVHUWHGDQGLVORFDWHGLQDQDUHDWKDWKDV*60QHWZRUN VHUYLFHFRYHUDJH, IWKHSKRQHFDQQRWILQGDQHWZRUNWKHGLVSOD\UHPDLQVEODQN )RUEHVWUHVXOWVXVHWKHDQWHQQDIXOO\H[WHQGHGZKHQPDNLQJRUUHFHLYLQJFDOOV
0DNLQJFDOOV
(QWHUWKHGHVLUHGWHOHSKRQHQXPEHUXVLQJWKHQXPHULFNH\V DQG , QWHUQDWLRQDOFDOOVFDQEHSUHIL[HGHLWKHUZLWKRU7RHQWHU WKHV\PEROEHIRUHDQXPEHUSUHVVDQGKROGGRZQ $PD[LPXPRIGLJLWVFDQEHHQWHUHG&RUUHFWDQ\PLVWDNHVE\ SUHVVLQJ&OHDU +ROGLQJGRZQWKLVNH\ZLOOFOHDUWKHZKROHGLV SOD\
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
(QGLQJFDOOV
3UHVV 7KHFDOOWLPHUZLOOVWRSDQG ZLOOGLVDSSHDU:DLWLQJDIHZ VHFRQGVRUSUHVVLQJ([LW ZLOOUHWXUQWRWKHVWDQGE\GLVSOD\ 1%FORVLQJWKHIOLSGRHVQRWHQGDFDOO
5HFHLYLQJFDOOV
:KHQDFDOOLVUHFHLYHGWKHSKRQHZLOOULQJ7KH/('RQWKHWRSRIWKH SKRQHZLOOIODVKJUHHQWKHEDFNOLJKWZLOOFRPHRQDQGWKHIODVKLQJ ZLOOEHVKRZQ, IWKHULQJWRQHYROXPHLVVHWWR]HURRIIRU
9LEUDWH
%DVLFRSHUDWLRQV
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
VQXPEHULIDYDLODEOHZLOOEHVWRUHGLQWKHUHFHLYHGFDOOV ORJVHHSDJHIRUGHWDLOV 1%FORVLQJWKHIOLSGRHVQRWHQGDFDOO
8QDQVZHUHGFDOOYRLFHPDLODQGQHZ606 PHVVDJHLQGLFDWRUV
, IVRPHUHFHLYHGFDOOVUHPDLQXQDQVZHUHG ZLOOEHGLVSOD\HG3UHVV 5HDG WRYLHZWKHFDOOHUV
QXPEHUVLIDYDLODEOHDQGWKHGDWHDQGWLPHWKH FDOOZDVUHFHLYHG3UHVV WRFDOOWKHQXPEHU8QDQVZHUHGFDOOQXPEHUVZLOO EHVWRUHGLQWKHXQDQVZHUHGFDOOVORJVHHSDJHIRUGHWDLOV :KHQ\RXUHFHLYHQRWLILFDWLRQWKDWDYRLFHPHVVDJHKDVEHHQGHSRVLWHGLQ \RXUYRLFHPDLOER[DQDOHUWWRQHZLOOVRXQGDQG ZLOODSSHDULQWKHGLV SOD\3UHVV5HDG WRYLHZWKHPHVVDJHRUSUHVV WRVSHHGGLDO\RXU YRLFHPDLOPHVVDJHFHQWUHVHHSDJHVDQGIRUGHWDLOV
1%, IPRUHWKDQRQHLQGLFDWRULVVKRZQSUHVVLQJ5HDG ZLOOGLVSOD\D PHQXDOORZLQJ\RXWRFKRRVHEHWZHHQGLIIHUHQWLWHPV :KHQDQHZ606PHVVDJHLVUHFHLYHGDQDOHUWWRQHZLOOVRXQGDQG ZLOO EHGLVSOD\HG3UHVV5HDG WRYLHZWKH606LQER[PHVVDJHV , I LVIODVKLQJ\RXZLOOKDYHWRGHOHWHDWOHDVWRQHROGUHFHLYHGPHVVDJHWR EHDEOHWRUHFHLYHQHZRQHVVHHSDJHIRUGHWDLOV 7KHGLVSOD\ZLOOVKRZWKHTXDQWLW\DQGW\SHRIPHVVDJHV
3UHVV5HDG WRVHOHFWWKHW\SHRIPHVVDJHWREHUHDG3UHVV6HOHFW RU WRYLHZWKHPHVVDJH
GLVSOD\HGWKHWLPHDQGGDWHDUHWHPSRUDULO\FOHDUHG
:KHQRQHLQGLFDWRULVGLVSOD\HGWKHGDWHLVWHPSRUDULO\FOHDUHG:KHQWZRRUWKUHHLQGLFDWRUVDUH
%DVLFRSHUDWLRQV
*HQHUDORSHUDWLRQV
'LDOOLQJIURPPHPRU\
$Q\QXPEHUVWRUHGLQWKH6, 0RUWKHSKRQHPHPRU\ZKLFKFDQEHUHFDOOHG WRWKHGLVSOD\FDQEHGLDOOHG
IURPWKHSKRQHERRN
3UHVV 8VH WRHQWHUWKHSKRQHERRNOLVW RU WRVFUROOWRWKHQXPEHUUHTXLUHG
3UHVV WRGLDOWKHQXPEHU
6HH3KRQHERRNSDJH
IURPWKHODVWGLDOOHGQXPEHUVOLVW
7KHODVWQXPEHUVGLDOOHGDUHVWRUHGLQWKHSKRQH 3UHVV WRGLVSOD\WKHODVWQXPEHUVGLDOOHG 8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG 3UHVV WRGLDOWKHQXPEHU
IURPWKHFDOOVORJPHPRU\OLVW
7KHODVWQXPEHUVGLDOOHGWKHODVWXQDQVZHUHGFDOOQXPEHUVLI DYDLODEOHDQGWKHODVWUHFHLYHGDQVZHUHGQXPEHUVLIDYDLODEOHDUH VWRUHGE\WKHSKRQHLQWKHFDOOVORJPHPRU\ORFDWLRQPHQX
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOVORJ 6HOHFW/DVWGLDO8QDQVZHUHGRU5HFHLYHG 8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG 3UHVV WRGLDOWKHQXPEHU
6HH&DOOV7LPHVSDJH
/DVWGLDOOHGQXPEHUV
4XLFNDFFHVVWRWKHODVWGLDOOHGQXPEHUVFDQDOVREHREWDLQHGE\ SUHVVLQJ
, QWKHVWDQGE\PRGHSUHVVLQJ ZLOOGLVSOD\DOLVWRIWKHODVW GLDOOHGQXPEHUV 8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG 3UHVV WRGLDOWKHQXPEHU
/DVWGLDOOHGQXPEHUVDUHVWRUHGLQWKHSKRQHQRWLQWKH6, 0
6SHHGGLDOOLQJ
$Q\QXPEHUVWRUHGLQWKH6, 0FDQEHDOORFDWHGWRWKHVSHHGGLDOOLQJNH\VRI 3UHVVDQGKROGGRZQWKHNH\ 7KHQXPEHUZLOOEH UHFDOOHGWRWKHGLVSOD\DQGEHGLDOOHGLQWKHQRUPDOZD\ %\GHIDXOW LVDOZD\VDOORFDWHGWRWKHYRLFHPDLOQXPEHU6HH SDJHRQKRZWRDOORFDWHQXPEHUVWRWKHVSHHGGLDOOLQJNH\V
6LOHQWDOHUWPRGH
7RDYRLGGLVWXUELQJRWKHUV\RXFDQVLOHQFHWKHLQFRPLQJULQJDQGDOHUWWRQHV
7XUQLQJRQ
3UHVV 6HOHFW9LEUDWHRU9LEUDWHWKHQ5LQJ LVVKRZQLQWKHGLVSOD\ZKHQWKLVIHDWXUHLVWXUQHGRQ 3UHVV 6HOHFW5LQJ
7XUQLQJRII 6SHHGGLDOOLQJ
, IWKHULQJWRQHYROXPHLVVHWWRDZDUQLQJPHVVDJHZLOODSSHDULQWKHGLVSOD\
6HHDOVR$OHUWPRGHSDJH
0XWLQJ
:KHQHQJDJHGRQDFDOOWKHPLFURSKRQHFDQEHPXWHGWXUQHGRIIWRDOORZ \RXWRFRQIHUSULYDWHO\ZLWKSHRSOHQHDUE\ZLWKRXWEHLQJKHDUGE\WKHRWKHU SDUW\
7XUQLQJWKHPLFURSKRQHRII
'XULQJFRQYHUVDWLRQ 3UHVV0XWH
7XUQLQJWKHPLFURSKRQHRQ
3UHVV8QPXWH
7KHPLFURSKRQHLVDXWRPDWLFDOO\UHVWRUHGRQUHFHLYLQJDQHZFDOO
9ROXPHDGMXVWPHQW
7RDGMXVWWKHUHFHLYHGDXGLROHYHOGXULQJFRQYHUVDWLRQ
8VH RU WRGHFUHDVHRULQFUHDVHWKHYROXPHWKURXJK HLJKWOHYHOVDVVKRZQRQWKHGLVSOD\ 3UHVV([LW RUZDLWVHFRQGVWRUHWXUQEDFNWRWKHSUHYL RXVGLVSOD\
6HHDOVR9ROXPHDGMXVWPHQWVSDJH
6HQGLQJ'70)WRQHV
'70)WRQHVDUHXVHGWRDFFHVVDQVZHUSKRQHVYRLFHPDLOER[HVDQG FRPSXWRULVHGKRPHEDQNLQJHWF7KHVHWRQHVDUHDPHWKRGWRFRPPXQLFDWH SDVVZRUGVDQGFDOOEDFNQXPEHUV
0DQXDOO\
7RVHQGLQGLYLGXDO'70)WRQHVGLUHFWO\IURPWKHNH\SDGGXULQJFRQ YHUVDWLRQ 3UHVVWKHUHTXLUHGNH\V 7KHWRQHVZLOOEHKHDUGLQWKHHDUSLHFHDQGVHQWLPPHGLDWHO\
$XWRPDWLFDOO\
7RVHQGDFRQVHFXWLYHVWULQJRI'70)WRQHVGXULQJFRQYHUVDWLRQ 3UHVV2SWLRQV 6HOHFW$XWR'70) (QWHUWKH'70)QXPEHUVLQWRWKHGLVSOD\HLWKHUGLUHFWO\ XVLQJWKHNH\SDGRUIURPDQXPEHUVWRUHGLQWKHSKRQH ERRNXQGHU1DPHV 3UHVV2. [. . . ] WRYDOLGDWHWKHHQWU\3UHVV([LW RU WR UHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00, V\VWHP
&DOOWLPHUUHVHW
7KLVIHDWXUHHQDEOHV\RXWRUHVHWDOOWKHFDOOWLPHUV<RXZLOOQHHGWKH GLJLWORFNFRGHWRRSHUDWHWKLVIHDWXUH 3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOWLPHUV 6HOHFW5HVHW 6HOHFW<HVRU1R (QWHUWKHSKRQHORFNFRGHDQGSUHVV2. 7KHDFWLRQZLOO EHFRQILUPHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 6RPHQHWZRUNVRIIHUDQ$GYLFHRI&KDUJH$R&VXEVFULSWLRQVHUYLFH LQZKLFKLWLVSRVVLEOHWRVHHWKHFRVWRIWKHODVWFDOOPDGHWKHDFFX PXODWHGWRWDOFRVWRIDOOFDOOVDQGWKHUHPDLQLQJEDODQFHLQXQLWVRU FXUUHQF\RIDQ\
FRVWOLPLW
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
&DOOFRVWVPDQDJHPHQWVXEVFULSWLRQVHUYLFHRQO\
3UHVV 6HOHFW&DOOV7LPHV 6HOHFW&DOOFRVWV 6HOHFW'LVSOD\FRVWW\SH 6HOHFW8QLWV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQWKHFRVWW\SHLVVHWWRXQLWVWKHFUHGLWOLPLWDQGWKHUHPDLQLQJFUHGLWDUHVKRZQLQXQLWV
6HWWLQJWKHFUHGLWOLPLWLQXQLWVRUFXUUHQF\
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
: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
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
$OWHUQDWHOLQHVHUYLFHVHOHFWLQJOLQHVXEVFULSWLRQVHUYLFH
7KHPHQX00, V\VWHP
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&DOOGLYHUWLQJIRUWKHIROORZLQJPHQX
'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$FWLYDWH 8VH RU WRFKRRVHEHWZHHQ9RLFH0DLO1DPHVRU 1XPEHU 3UHVV6HOHFW RU WRYDOLGDWH\RXUVHOHFWLRQ 7KHGLVSOD\ZLOOFRQILUP\RXUUHTXHVW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
, IWKH
2QQRUHSO\
RSWLRQLVVHOHFWHG\RXZLOOEHUHTXHVWHGWRHQWHUDGHOD\SHULRGRIRU
VHFRQGV &DOOGLYHUWVIRUERWK/LQHDQG/LQHPXVWEHVHWIRUHDFKOLQH'XULQJFDOOGLYHUWSURJUDP PLQJRQO\WKHOLQHFXUUHQWO\VHOHFWHGLVDIIHFWHGE\WKHFDOOGLYHUWVHOHFWHG7RFDUU\RXWDFDOO GLYHUWRQWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH
7RWXUQRIIRUFKHFNWKHVWDWXVRIFDOOGLYHUW 3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOOGLYHUWLQJ 6HOHFWIURPWKHGLYHUWRSWLRQVDQGSUHVV 6HOHFW&DQFHORU6WDWXV <RXUVHOHFWLRQZLOOEHFRQILUPHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 7RFDQFHODOOPXOWLSOHGLYHUWV
3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOOGLYHUWLQJ 6HOHFW&DQFHODOO &RQILUPDWLRQZLOOEHGLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KLVDFWLRQFDQFHOVDOOYRLFHGLYHUWVIRUYRLFHID[HVDQGGDWDFDOOVIRUWKHOLQHFXUUHQWO\LQXVH7R
FDQFHOFDOOGLYHUWVIRUWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH VHOHFWLRQ
&DOOHU/LQH, GHQWLW\VKRZLQJKLGLQJ\RXUPRELOHQXPEHU
0RVWQHWZRUNVDOORZWKH&DOOHU/LQH, GHQWLW\IHDWXUH&/, LHWKHIHD WXUHZKLFKVKRZVWKHLQFRPLQJQXPEHU, 'ZKLOHUHFHLYLQJDFDOO6H OHFWLQJ5HFHLYLQJFDOOHU, 'ZLOODOORZ\RXWRFKHFNWKHDYDLODELOLW\RI VXFKDIHDWXUH 7KLVIHDWXUHHQDEOHV\RXWRILQGRXWZKHWKHUDQHWZRUNSUHVHQWVWKH , 'RILQFRPLQJFDOOV.
3UHVV 6HOHFW*606HUYLFHV 6HOHFW5HFHLYLQJFDOOHU, ' 7KHQHWZRUNZLOOUHWXUQHLWKHU3UHVHQWDWLRQDYDLODEOHRU 3UHVHQWDWLRQXQDYDLODEOH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
2QQHWZRUNVZKLFKDOORZFDOOHUOLQHLGHQWLW\\RXFDQGLVDEOHWKHVHQG LQJRI\RXURZQQXPEHURQDFDOOE\FDOOEDVLVE\DGGLQJEH IRUHWKHQXPEHU\RXDUHFDOOLQJ$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
7KHPHQX00, V\VWHP
5HFHLYLQJFDOOHU, '
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 7KHRUGHUDQGQDPHRIWKHQHWZRUNVLQWKHSUHIHUUHGQHWZRUNVOLVWFDQ EHFKDQJHGDQGHGLWHG
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW3UHIHUUHGOLVW$OLVWRIQHWZRUNVZLOOEHGLVSOD\HG 8VH RU WRYLHZWKHOLVW 3UHVV2SWLRQV WRFKDQJHLW7KHIROORZLQJLWHPVDUHGLV SOD\HG 2SWLRQ 0RGLI\E\ OLVW 0RGLI\E\ 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 $OLVWRIWKHIRUELGGHQQHWZRUNVRUWKHKRPHQHWZRUNZLOO EHGLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
6HOHFWLQJPDQXDOVHDUFK
7KHUHPD\RFFDVLRQVZKHQ\RXZLVKWRVHOHFWDVSHFLILFQHWZRUN ZKLFKKDVEHWWHUFRYHUDJHLQ\RXUFXUUHQWORFDWLRQIRUH[DPSOH
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW6HDUFK 6HOHFW0DQXDO$FRQILUPDWLRQVFUHHQDQG6FDQQLQJIRU QHWZRUNVZLOOEHGLVSOD\HG 8VH RU WRVHOHFWDQHWZRUNIURPWKHOLVWVKRZQ 3UHVV WRFRQILUPWKHVHOHFWLRQ 5HTXHVWLQJIROORZHGE\WKHQDPHRIWKHQHWZRUNZLOOEH VKRZQDIWHUZKLFKWKHSKRQHZLOOUHWXUQWRWKHVWDQGE\GLVSOD\
<RXFDQQRWGHOHWHDQHWZRUNIURPWKHIRUELGGHQOLVW7KLVOLVWZLOOEHDXWRPDWLFDOO\XSGDWHGZKHQ
WKHPDQXDOQHWZRUNVHOHFWLRQLVSHUIRUPHG
6HOHFWLQJDXWRPDWLFVHDUFKQRUPDOGHIDXOWVHWWLQJ
3UHVV 6HOHFW*606HUYLFHV 6HOHFW1HWZRUN 6HOHFW6HDUFK 6HOHFW$XWRPDWLF 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RSHUIRUPDQDXWRPDWLFVHDUFKIURPWKHSUHIHUUHGOLVWSURFHHGDVIRO ORZV
&DOOEDUULQJQHWZRUNVHUYLFH
7KLVLVDQHWZRUNVHUYLFHZKLFKDOORZV\RXWRVWRSGLIIHUHQWW\SHVRI FDOOVEHLQJPDGHDQGUHFHLYHGRQWKHSKRQH , WUHTXLUHVWKHXVHRIDQHWZRUNEDUULQJSDVVZRUGDYDLODEOHRQO\IURP \RXUVHUYLFHSURYLGHU
7KHPHQX00, V\VWHP
7RSXWRQDFDOOEDU 3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOOEDUULQJ 6HOHFW2XWJRLQJFDOOVRU, QFRPLQJFDOOV&KRRVHIURPWKH IROORZLQJ 6HOHFW 2XWJRLQJ $OORXWJRLQJ , QW
QDOFDOOV , QW
QDOH[FO KRPH , QFRPLQJ$OOLQFRPLQJ 5RDPLQJ RQO\ 0HDQLQJ $OORXWJRLQJFDOOVZLOOEHEDUUHG $OORXWJRLQJLQWHUQDWLRQDOFDOOV RQO\ZLOOEHEDUUHG $OORXWJRLQJLQWHUQDWLRQDOFDOOV H[FHSWWRRWKHUVXEVFULEHUV ZLWKLQWKHXVHUVKRPHQHWZRUN $OOLQFRPLQJFDOOVZLOOEHEDUUHG $OOLQFRPLQJFDOOVZKHQQRWRQ WKHKRPHQHWZRUN
6HOHFWWKHRSWLRQXVLQJ RU 3UHVV6HOHFW 6HOHFW$FWLYDWH(QWHUWKHSDVVZRUGDQGSUHVV2. 7KHQHWZRUNZLOOFRQILUPWKHVHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RWDNHRIIRUFKHFNWKHVWDWXVRIDFDOOEDU 3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOOEDUULQJ 8VH RU WRVHOHFWWKHEDUWREHWDNHQRII&DQFHORU FKHFNWKH6WDWXVDQGSUHVV , IFKRRVLQJWRWDNHRIIDFDOOEDUWKHSDVVZRUGZLOOEHUHTXL UHG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 7RFKDQJHWKHSDVVZRUG, 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 WRVHOHFWWKHUHTXLUHGRSWLRQ3UHVV )ROORZWKHGLVSOD\SURPSWV 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
%URDGFDVWFHOOEURDGFDVW&%PHVVDJHV
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
7RHQWHUDPHVVDJHW\SHLQWKHVHOHFWLRQOLVW
8SWRPHVVDJHW\SHVFDQEHHQWHUHGLQWRWKHVHOHFWLRQOLVW 3UHVV 6HOHFW%URDGFDVW 6HOHFW0HVVDJHW\SHV3UHVV2SWLRQV 6HOHFW0RGLI\E\OLVWRU0RGLI\E\FRGHLIW\SHQXPEHULV NQRZQ
7KHPHQX00, V\VWHP
1R&8*
LVWKHVHWWLQJIRUQRUPDOXVH
6FUROOWRWKHPHVVDJHW\SHUHTXLUHG3UHVV6HOHFW 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$PHVVDJHFDQEH XSWRFKDUDFWHUVLQOHQJWKDQGFRYHUVHYHUDOSDJHV3DJHVZLOODX WRPDWLFDOO\FKDQJHDSSUR[LPDWHO\HYHU\ILYHVHFRQGVRUE\DSUHVV RQ
2SWLRQVGXULQJPHVVDJHGLVSOD\
$SUHVVRQ([LW ZLOOFOHDUWKH&%FXUUHQWO\GLVSOD\HG3UHVVLQJ ZLOOGLDOWKHQXPEHUVKRZQLQWKHGLVSOD\ZLWKLQWKHPHVVDJH 3UHVVLQJ2SWLRQV ZLOOGLVSOD\WKHIROORZLQJPHQX 2SWLRQ 'HOHWH 'HOHWH$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
$OOWKHEURDGFDVWPHVVDJHVFDQEHVKRZQLQRQHRIHLJKWODQJXDJHV (QJOLVK'XWFK)UHQFK*HUPDQ, WDOLDQ6SDQLVK3RUWXJXHVH*UHHN 7RVHOHFWWKHODQJXDJHRI\RXUFKRLFH
3UHVV 6HOHFW%URDGFDVW 6HOHFW/DQJXDJH 8VH RU WRVHOHFWDODQJXDJHIURPWKHGLVSOD\HGOLVW 3UHVV WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
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\
3UHVVDQGKROGGRZQ WRWXUQNH\SDGORFNRQ 7KHGLVSOD\ZLOOVKRZ 3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII 3UHVV 6HOHFW6HWWLQJV 6HOHFW. H\SDGORFNWRWXUQNH\SDGORFNRQ 3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII
8VLQJWKHPHQX
, IWKHULJKWVRIWNH\KDVEHHQSURJUDPPHGZLWKDQRWKHUIXQFWLRQVHHSDJHKROGLQJWKHNH\
ZLOOORFNXQORFNWKHNH\SDG . H\SDGORFNLVFDQFHOOHGZKHQFRQQHFWHGWRWKHKDQGVIUHHFDUNLW
/DQJXDJHVHOHFWLRQ
$OOWKHGLVSOD\PHVVDJHVFDQEHVKRZQLQRQHRIHLJKWODQJXDJHV (QJOLVK'XWFK)UHQFK*HUPDQ, WDOLDQ6SDQLVK3RUWXJXHVH*UHHN
7KHPHQX00, V\VWHP
7RVHOHFWWKHODQJXDJHRI\RXUFKRLFH
3UHVV 6HOHFW6HWWLQJV 6HOHFW/DQJXDJH 8VH RU WRVHOHFWDODQJXDJHIURPWKHGLVSOD\HGOLVW 3UHVV WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RUHVHWWKHSKRQHWRWKHODQJXDJHRIWKH6, 0HQWHU
7RUHVHWWKHSKRQHODQJXDJHWR(QJOLVKHQWHU
$OHUWPRGH
7RDYRLGGLVWXUELQJRWKHUV\RXFDQWXUQRIIWKHDXGLEOHLQFRPLQJULQJ WRQHDVZHOODVDOODOHUWDQGDODUPWRQHV
, IHLWKHURIWKH
9LEUDWH
RU
9LEUDWHWKHQULQJ
RSWLRQVDUHFKRVHQDOOWKHDOHUWDQGDODUPWRQHVDUH
UHSODFHGE\WKHYLEUDWLQJDFWLRQ
7KHUHDUHWZRZD\V 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
, QWKHVWDQGE\GLVSOD\SUHVVLQJ ZLOOGLVSOD\5LQJ 9LEUDWH9LEUDWHULQJRU9LEUDWHWKHQULQJ 6FUROOWRWKHGHVLUHGVHWWLQJ3UHVV WRYDOLGDWH\RXU FKRLFH, IDQ\RIWKHYLEUDWHRSWLRQVDUHVHOHFWHGWKHSKRQH ZLOOEULHIO\YLEUDWH ZLOODSSHDULQWKHGLVSOD\
, I5LQJLVVHOHFWHGEXWWKHULQJWRQHYROXPHKDVEHHQVHWWRRIIWKH LFRQZLOODSSHDULQWKH
GLVSOD\ 7KH LFRQZLOODSSHDULQWKHGLVSOD\LI9LEUDWH9LEUDWHULQJRU9LEUDWHWKHQULQJLVVHOHFWHG , WWDNHVSUHFHGHQFHRYHUWKH LFRQ
8VLQJWKHPHQX
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW$OHUWWRQHV 6HOHFW5LQJ9LEUDWH9LEUDWHULQJRU9LEUDWHWKHQULQJ WRYDOLGDWH\RXUFKRLFH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
, I5LQJLVVHOHFWHGEXWWKHULQJWRQHYROXPHKDVEHHQVHWWRRIIWKH LFRQZLOODSSHDULQWKHGLV
SOD\ 7KHULQJWRQHYROXPHRIIVHWWLQJLVQRWVDYHGZKHQWKHSKRQHLVWXUQHGRII :KHQWKHSKRQHLVFRQQHFWHGWRHLWKHUWKH'HVN7RS&KDUJHU+)NLW&/$RU$&DGDSWRUWKHYLEUDWRU PRGHVHOHFWLRQLVWHPSRUDULO\LQKLELWHGDQGWKHSKRQHZLOOULQJLQVWHDG
5LQJWRQHVHOHFWLRQ
<RXFDQFKRRVHWKHVRXQGRIWKHLQFRPLQJULQJWRQHIURPDVHOHFWLRQ RIULQJWRQHPHORGLHVVWRUHGLQWKHSKRQH 7RKHDU\RXUFKRVHQULQJWRQHPHORG\ZDLWVHYHUDOVHFRQGVEHIRUH FRQILUPLQJ\RXUFKRLFH7KHPHORG\ZLOOEHSOD\HG 5LQJWRQHVHOHFWLRQLVPDGHWKURXJKWKH6HWWLQJVPHQX
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW5LQJ7RQH 8VH RU WROLVWHQWRWKHGLIIHUHQWULQJWRQHV3UHVV VHOHFWWKHFXUUHQWWRQH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
WR
6HSDUDWHWRQHVPXVWEHVHOHFWHGIRU/LQHDQG/LQH
9ROXPHDGMXVWPHQWV
7KHYROXPHOHYHOVRIWKHULQJWRQHNH\WRQHVDODUPWRQHVDODUPFORFN DQGORZEDWWHU\DODUPDQGWKHLQFRPLQJDXGLRFDQDOOEHLQGLYLGXDOO\ DGMXVWHGIURPWKHVWDQGE\GLVSOD\E\SUHVVLQJ RULQWKH6HWWLQJV PHQX
7KHGLVSOD\ZLOOFRQILUPWKHVHOHFWLRQQDPLQJWKHYROXPHWREH DGMXVWHG
8VH RU WRDGMXVWWKHVHWWLQJ 3UHVV2. WRYDOLGDWHWKHVHWWLQJ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
'XULQJDFDOO\RXFDQDGMXVWWKHFRQYHUVDWLRQYROXPHE\XVLQJ
, IWKHULQJWRQHYROXPHOHYHOLVVHWWR2IIWKH ZDUQLQJLFRQZLOODSSHDULQWKHGLVSOD\
RU
5DPSLQJ
5DPSLQJLVDIHDWXUHWKDWZKHQWXUQHGRQZLOOFDXVHWKHLQFRPLQJ ULQJWRQHWRJUDGXDOO\LQFUHDVHWRWKHPD[LPXPYROXPHOHYHOLIWKHFDOO
7KHPHQX00, V\VWHP
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW9ROXPH 6HOHFW5LQJ. H\V&RQYHUVDWLRQRU$ODUP
LVQRWDQVZHUHGDIWHUWKHILUVWULQJ
3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW9ROXPH 6HOHFW5DPSLQJ 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQWXUQHGRQWKHYROXPHRIWKHLQFRPLQJULQJWRQHZLOOVWDUWIURPWKHPLQLPXPDQGULVHWRWKH
PD[LPXPYROXPHXQWLODQVZHUHG
%DFNOLJKWVHWWLQJ
7KLVRSWLRQDOORZVWKHXVHUWRFRQWUROWKHRSHUDWLRQRIWKHEDFNOLJKW GXULQJNH\HQWU\RULQFRPLQJULQJWRQH 7KHUHDUHWZRVHWWLQJV 2QIRUVHFWKHGLVSOD\DQGNH\EDFNOLJKWZLOOVWD\RQIRU VHFRQGVDIWHUWKHODVWNH\SUHVVRULQFRPLQJFDOO 2IIWKHEDFNOLJKWZLOOVWD\RII
3UHVV 6HOHFW6HWWLQJV 6HOHFW'LVSOD\ 6HOHFW%DFNOLJKW 6HOHFWHLWKHURIWKHWZRVHWWLQJV3UHVV WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
EDFNOLJKWLVDOZD\VRQ
:KHQWKHSKRQHLVFRQQHFWHGWRHLWKHUWKH'HVN7RS&KDUJHU+)&DU. LW&/$RUWKH$&$GDSWRUWKH
'LVSOD\FRQWUDVW
7KHFRQWUDVWRIWKHGLVSOD\FDQEHDGMXVWHGWRVXLWWKHVXUURXQGLQJ OLJKWFRQGLWLRQV 7RPRGLI\WKHGLVSOD\FRQWUDVW 3UHVV 6HOHFW6HWWLQJV 6HOHFW'LVSOD\ 6HOHFW&RQWUDVW $GMXVWWKHFRQWUDVWXVLQJ RU 3UHVV2. WRYDOLGDWHWKHVHWWLQJ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$Q\NH\DQVZHU
7KLVIHDWXUHHQDEOHVDQ\NH\H[FHSW DQG1RULQJ WREHSUHVVHG WRDQVZHUDQLQFRPLQJFDOO 3UHVV 6HOHFW6HWWLQJV 6HOHFW. H\V6HOHFW$Q\NH\DQVZHU 6HOHFW2QRU2II 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
6RIWNH\VSURJUDPPLQJWKHVRIWNH\V
7KHIXQFWLRQRIWKHVRIWNH\VFDQEHFKDQJHGWRVXLWWKHXVHU7KH RSWLRQVDYDLODEOHDUHVKRZQLQWKHPHQXGXULQJVHOHFWLRQ 7KHUHDUHWZRZD\V 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
3UHVVDQGKROGGRZQ RU 8VH RU WRVFUROOWKURXJKWKHFKRLFHRIVRIWNH\RSWLRQV 3UHVV6HOHFW WRYDOLGDWH\RXUFKRLFH 7KHVFUHHQZLOOFRQILUP\RXUVHOHFWLRQDQGUHWXUQWRWKH VWDQGE\GLVSOD\VKRZLQJ\RXUQHZVRIWNH\IXQFWLRQ 3UHVV 6HOHFW6HWWLQJV 6HOHFW. H\V 6HOHFW6RIWNH\VIXQFWLRQV 6HOHFW/HIWVRIWNH\RU5LJKWVRIWNH\ 3UHVV6HOHFW RQWKHVRIWNH\RSWLRQRI\RXUFKRLFH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
8VLQJWKHPHQX
LQWKHGLVSOD\PHDQVWKDWDSUHYLRXVO\6, 0GHSHQGHQWRUVXEVFULSWLRQVHUYLFHDVVLJQHGWR
WKDWVRIWNH\LVQRORQJHUDYDLODEOH)RUH[DPSOH/LQHVHOHFWLRQ
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\
7KHPHQX00, V\VWHP
$XWRDQVZHU
:KHQDFWLYDWHG$XWRUHWU\DQGDFRXQWGRZQWLPHUWRWKHQH[WFDOO DWWHPSWZLOODSSHDULQWKHGLVSOD\$QDXWRUHWU\ZDUQLQJWRQHZLOO VRXQGHDFKWLPHDQHZFDOODWWHPSWLVPDGH , IWKHDXWRPDWLFUHGLDOOLQJLVVXFFHVVIXOSURFHHGZLWKWKHFDOODVQRU PDO3UHVVLQJ([LW RUDQ\NH\GXULQJWKHUHWU\LQJSURFHVVZLOOFDQFHO DXWRUHWU\DQGHQGWKHGLDOOLQJSURFHVVIRUWKDWFDOO
6HFXULW\IHDWXUHV
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&( $SKRQHORFNFRGHLVVXSSOLHGZLWKWKHSKRQHIRUVHFXULW\SXUSRVHV, W SUHYHQWVXQDXWKRULVHGDFFHVVWRWKHSKRQHDQGWRWKH:$3VHWWLQJV 7KHIDFWRU\VHWWLQJLV:HVXJJHVWWKDW\RXUHVHWWKLVFRGHDQG NHHSLWLQDVDIHSODFHVHSDUDWHIURPWKHSKRQH 7KHSKRQHORFNFRGHLVDOVRUHTXLUHGWRUHVHWWKHFDOOWLPHUV:KHQHQ DEOHGWKHFRGHZLOOEHDVNHGIRUHDFKWLPHWKHSKRQHLVWXUQHGRQ 7RFKDQJHWKHSKRQHORFNFRGH
3KRQHORFNFRGH
3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\6HOHFW3KRQHORFN 6HOHFW&KDQJHFRGHDQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. WRYDOLGDWHWKHQHZFRGH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\6HOHFW3KRQHORFN 6HOHFW2QRU2II 7KHSKRQHORFNFRGHZLOOEHUHTXHVWHGWRDXWKRUL]H\RXU VHOHFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RWXUQRQRURIIWKHSKRQHORFNFRGH
: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. WRYDOLGDWH\RXUHQWU\ 3, 1HQDEOHGRU3, 1GLVDEOHGEULHIO\GLVSOD\HGZLOOFRQ ILUP\RXUDFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\ 6HOHFW3, 1FKDQJHDQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. WRYDOLGDWH\RXUQHZ3, 1&RQILUPDWLRQZLOOEH GLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RFKDQJHWKH3, 1FRGH3, 1PXVWILUVWEHHQDEOHG
3, 1FRGH
7KH3, 1FRGHSUHYHQWVXQDXWKRULVHGDFFHVVWRVRPHIHDWXUHVRIWKH SKRQHVXFKDVWXUQLQJRQRURII)'1RSHUDWLRQVPRGLI\LQJWKH)'1 SKRQHERRNVHWWLQJFDOOVFRVWVWR]HURPRGLI\LQJWKHFRVWVGLVSOD\ IHDWXUHV, WFDQEHFKDQJHGEXWQRWWXUQHGRQRURII 7RFKDQJHWKH3, 1FRGH
3UHVV 6HOHFW6HWWLQJV 6HOHFW6HFXULW\ 6HOHFW3, 1FKDQJHDQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. WRYDOLGDWH\RXUQHZ3, 1FRGH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
38. FRGH
7KH38. 3, 1XQEORFNNH\LVDQGLJLWFRGHVXSSOLHGE\\RXUVHUYLFH SURYLGHU, WLVXVHGWR
XQEORFN
D3, 1ZKRVHFRGHKDVEHHQHQWHUHGLQ FRUUHFWO\WKUHHWLPHV$38. FRGHFDQQRWEHFKDQJHG
7KHPHQX00, V\VWHP
:KHQUHTXHVWHGHQWHUWKH38. FRGHDQGSUHVV2. <RXZLOOWKHQ EHDVNHGWRHQWHUDQHZ3, 1FRGH)ROORZWKHGLVSOD\SURPSWVWRUHVHW WKH3, 1FRGH
, I\RXHQWHUWKHZURQJ38. FRGHWLPHVLQVXFFHVVLRQ\RXU6, 0FDUGFDQQRWEHXVHGDJDLQ&RQ
WDFW\RXUVHUYLFHSURYLGHUIRUDQHZFDUG
38. FRGH
7KH38. LVDQGLJLWFRGHVXSSOLHGE\\RXUVHUYLFHSURYLGHU, WLVXVHG WRXQEORFND3, 1ZKRVHFRGHKDVEHHQHQWHUHGLQFRUUHFWO\WKUHH WLPHV$38. FRGHFDQQRWEHFKDQJHG:KHQUHTXHVWHGHQWHUWKH 38. FRGH<RXZLOOWKHQEHDVNHGWRHQWHUDQHZ3, 1FRGH)ROORZ WKHGLVSOD\SURPSWVWRUHVHWWKH3, 1
, I\RXHQWHUWKHZURQJ38. FRGHWLPHVLQVXFFHVVLRQ\RXZLOOEHXQDEOHWRXVHWKHIHDWXUHV
UHTXLULQJWKH3, 1FRGH&RQWDFW\RXUVHUYLFHSURYLGHUIRUDQHZFDUG
&DOOEDUULQJSDVVZRUG
7KHFDOOEDUULQJSDVVZRUGLVXVHGWRVHOHFWWKHFDOOEDUULQJOHYHOV RXWOLQHGLQWKH6HUYLFHV&DOOEDUULQJPHQXVHHSDJH, WLV REWDLQHGIURP\RXUVHUYLFHSURYLGHU 7RFKDQJHWKHSDVVZRUG
3UHVV 6HOHFW*606HUYLFHV 6HOHFW&DOOEDUULQJ 6HOHFW&KDQJHSDVVZRUGDQGIROORZWKHGLVSOD\SURPSWV 3UHVV2. WRYDOLGDWH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 1XPEHURI WULHVDOORZHG 8QOLPLWHG WULHV WULHV WULHV WULHV 1HWZRUN GHWHUPLQHG , IEORFNHGRU IRUJRWWHQ 5HWXUQSKRQHWR PDQXIDFWXUHU 8QEORFNHGE\ XVHRI38. FRGH 8QEORFNHGE\ XVHRI38. &RQWDFW\RXU VHUYLFHSURYLGHU &RQWDFW\RXU VHUYLFHSURYLGHU &RQWDFW\RXU VHUYLFHSURYLGHU
6XPPDU\RIFRGHSDVVZRUGHQWU\FKDUW
3DVVZRUG 8QORFNFRGH 3, 1 3, 1 38. &DOOEDUULQJ SDVVZRUG /HQJWK GLJLWV GLJLWV GLJLWV GLJLWV GLJLWV GLJLWV
7LPH'DWHVHWWLQJ
7RVHWHLWKHUWKHFXUUHQWWLPHDQGRUGDWH 3UHVV 6HOHFW6HWWLQJV 6HOHFW7LPHGDWH 6HOHFW6HWWLPHRU6HWGDWH (QWHUWKHWLPHLQKRXUIRUPDWRUGDWHLQWKHIRUPDW VKRZQ, IUHTXLUHGXVH DQG 3UHVV2. [. . . ] 6HOHFW$XWRGLVFRQQHFWGLVFRQQHFWVWKHPRELOHIURPWKH LQWHUQHWDIWHUDVHWSHULRGRILQDFWLYLW\HQWHUWKHSHULRG PLQXWHVDQGSUHVV2. HQWHULQJGHDFWLYDWHVWKHDXWRGLVFRQQHFWIXQFWLRQ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
6HOHFWLQJ333$FFHVVRU3UR[\DJDLQZLOODOORZ\RXWRFKDQJHDQGRUPRGLI\DQ\RI\RXUVHW
WLQJV
3HUVRQDOLVLQJ\RXUFRQQHFWLRQVHWWLQJV
7KHIROORZLQJXVHUVHWWLQJVDUHDYDLODEOHHQDEOLQJ\RXWRRSWLPLVHWKH EHKDYLRXURI\RXUSKRQHZKLOVWFRQQHFWHGWRWKHLQWHUQHW 3UHVVHLWKHU, QWHUQHW IURPWKHVWDQGE\GLVSOD\RUVHOHFW LWIURPWKH0DLQPHQX 6HOHFW6HWWLQJV
6HOHFW8VHUSUHIHUHQFHVVFUROOWRWKHIROORZLQJLWHPVDQG WXUQRQRURIIDVUHTXLUHG 2SWLRQ $FWLRQ 'XULQJDQOLYHLQWHUQHWVHVVLRQVRPHRIWKH LQIRUPDWLRQDQGVHUYLFHV\RXKDYHDFFHVVHG KDYHEHHQ
VWRUHG
LQDQDUHDRIPHPRU\ FDOOHGWKHFDFKH7RFOHDUWKLVPHPRU\SUHVV DQGVHOHFWWKH<HVRSWLRQ 6RPHRIWKHLQWHUQHWSDJHVPD\KDYHSLF WXUHVDWWDFKHGZKLFKZLOOWDNHWLPHWR GRZQORDG6HOHFWLQJWKH2IIRSWLRQZLOOUH MHFWWKHSLFWXUHVWKHUHE\VSHHGLQJXSWKH WH[WGRZQORDGLQJWLPH &KRRVLQJWKH<HVRSWLRQZLOOUHVWRUHDOOWKH IDFWRU\GHIDXOWVHWWLQJV6FULSWLQJ2Q 'RZQORDGSLFWXUHV2Q$XWRGLVFRQ QHFWPLQV 8VHGWRDOORZRUIRUELGWKHH[HFXWLRQRI VFULSWVZLWKLQDSDJHDOORZLQJGDWDHQWHULQJ RUFRPSXWDWLRQVWREHSHUIRUPHGZKHQWKH SDJHLVORDGHG
&OHDUFDFKH
'RZQORDG SLFWXUHV
'HIDXOW VHWWLQJV
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
*RLQJ2QOLQHDQGRQWRWKH1HW
7RJDLQDFFHVVWRWKHRQOLQHVHUYLFHVRIIHUHGE\\RXUQHWZRUNRSHUDWRU 3UHVVHLWKHU, QWHUQHW IURPWKHVWDQGE\GLVSOD\RUVHOHFW LWIURPWKH0DLQPHQX 6HOHFW+RPHSDJH &RQQHFWLQJWRSUR[\QDPHZLOOEHGLVSOD\HGZKLOVW DFFHVVLVWDNLQJSODFHIROORZHGE\WKHZRUG/RDGLQJRIWKH KRPHSDJH 2QFHFRQQHFWHG\RXZLOOEHSUHVHQWHGZLWK\RXULQWHUQHWRURSHUD WRU
VFKRLFHRIPHQXRSWLRQV7KH LFRQDWWKHERWWRPRIWKHGLVSOD\ LQGLFDWHVD
OLYH
FRQQHFWLRQ 8VHWKHURXQGFXUVRUNH\DQGRUWKHVRIWNH\VWRPRYHXSDQGGRZQ WKHPHQXWRPDNHVHOHFWLRQVDVZHOODVPRYHEDFNZDUGVDQGIRU ZDUGVWKURXJKWKHPHQX8VHWKHOHIWDQGWKHULJKWVRIWNH\VZKHQVH OHFWHGWRSLFVLQDPHQXDUHKLJKOLJKWHG
7KHPHQX00, V\VWHP
6FULSWLQJ
, QWKHDEVHQFHRI2SWLRQV ZKLOVWRQOLQHSUHVVLQJ GXULQJDOLYH FRQQHFWLRQZLOOSUHVHQWDQRSWLRQVPHQXDVIROORZV , WHP %DFN =RRP 'LVFRQQHFW &OHDUFDFKH
$GG ERRNPDUN
*RWRERRNPDUN
+RPHSDJH 5HORDG &ORVHVHVVLRQ $FWLRQ 5HWXUQVWRWKHSUHYLRXVSDJHRUFDUG , QFUHDVHVRUGHFUHDVHVWKHGLVSOD\HGWH[WVL]H 'LVFRQQHFWVWKHEURZVHUIURPWKHQHWZRUN EXWOHDYHVWKHFXUUHQWSDJHORFDOO\DFWLYH ZLWKWKHSKRQHEURZVHU &OHDUVWKHFDFKHPHPRU\ $GGVDFXUUHQWFDUGRUSDJHWRWKHOLVWRI ERRNPDUNV *RHVWRDSUHYLRXVO\VWRUHGERRNPDUN 5HORDGVDQGUHWXUQVWRWKHKRPHSDJH 5HORDGVWKHFXUUHQWSDJH 'LVFRQQHFWVWKHSKRQHIURPWKHLQWHUQHW
8VHRI ZKLOVWRQOLQH
7KHDSSHDUDQFHRIWKHVHLWHPVLQWKHDERYHRSWLRQVPHQXPD\EH RSHUDWRUGHSHQGHQWDQGRUWKHVHWWLQJVLQWKH8VHUSUHIHUHQFHV PHQX
$YRLFHFDOOFDQQRWEHUHFHLYHGRQWKHSKRQHZKLOVWFRQQHFWLRQWRWKHLQWHUQHWLVLQSURJUHVV
(QGLQJWKH2QOLQH&RQQHFWLRQ &UHDWLQJERRNPDUNV
3UHVVLQJ RUWKH&ORVHVHVVLRQLWHPXQGHUWKHRSWLRQVPHQXZLOO HQGWKHLQWHUQHWFRQQHFWLRQ 7KHUHPD\EHVRPHVHUYLFHVWKDW\RXZLVKWRUHYLVLWRUUHWXUQWRRPRUH IUHTXHQWO\WKDQRWKHUV7KHVHVHUYLFHVRUSDJHVFDQEHVWRUHGDV
%RRNPDUNVZKLFKWKHQSURYLGHGLUHFWDFFHVVOLQNVLQWRWKHLQWHUQHW
7KH\FDQRQO\EHXVHGLIDYDLODEOHRQWKHFXUUHQWFRQQHFWLRQVHWWLQJV RI\RXUQHWZRUNRSHUDWRU 7KHUHDUHWZRZD\VWRDGGXSWRDPD[LPXPRIERRNPDUNV 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
6HOHFW, QWHUQHWXVLQJWKHVRIWNH\RUIURPWKH0DLQPHQX 6HOHFW%RRNPDUNV 3UHVV2SWLRQV VHOHFW0RGLI\DQGHQWHUWKHIROORZLQJ 2SWLRQ $OLDV +RPHSDJH $FWLRQ 1DPH\RXZLVKWRJLYHWR\RXUERRNPDUN KWWSDGGUHVVLINQRZQ
3UHVV2. WRYDOLGDWHHDFKHQWU\
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 3UHVV2SWLRQV RU WRGLVSOD\WKHRSWLRQVPHQX 6HOHFW$GGERRNPDUNHQWHUWKH$OLDVQDPHDQGSUHVV 2.
'XULQJDOLYHFRQQHFWLRQZKLOVWYLHZLQJDSDJH
%RRNPDUNVFDQRQO\EH(GLWHGRU'HOHWHGIURPWKH%RRNPDUNVLWHPXQGHUWKH, QWHUQHWPHQX
RSWLRQVZKLOVWLQVWDQGE\
8VLQJ%RRNPDUNV
%RRNPDUNVFDQEHXVHGGLUHFWO\IURPVWDQGE\ZLWKLQWKH, QWHUQHW PHQXRSWLRQVRUGXULQJDQLQWHUQHWFRQQHFWLRQ 6HOHFW, QWHUQHWXVLQJWKHVRIWNH\RUIURPWKH0DLQPHQX 6HOHFW%RRNPDUNV 6HOHFWWKHQDPHRIWKHERRNPDUNUHTXLUHGDQGSUHVV 2SWLRQV 6HOHFW*RWKHUHWRWDNH\RXGLUHFWO\LQWRWKHVHUYLFH
$OWHUQDWLYHO\ZKLOVW\RXDUHEURZVLQJWKHLQWHUQHWSUHVVLQJ 2SWLRQV RU WRGLVSOD\WKHRSWLRQVPHQXDOORZV\RXWRVHOHFWWKH *RWRERRNPDUNQDPH\RXUHTXLUH
2WKHUVLWH
8VHRIWKLVRSWLRQZLWKLQWKH, QWHUQHWPHQXDOORZVWKHXVHUWRHQWHU DNQRZQLQWHUQHWDGGUHVVVLWHDQGWRJRWRWKLVVLWHGLUHFWO\IURPGLDO XS+RZHYHUXQOLNHWKH%RRNPDUNIHDWXUHDGGUHVVHVDUHQRWVWRUHG DQGPXVWEHHQWHUHGHDFKWLPHWKLVIHDWXUHLVXVHG
*60PDQPDFKLQHLQWHUIDFHFRGHV
7KHSKRQHVXSSRUWVWKHVWDQGDUG*60NH\VHTXHQFHVXVLQJWKH
DQGFKDU DFWHUVVHQWGLUHFWO\IURPWKHNH\SDGWRWKHQHWZRUN7KHVHVHTXHQFHVDUHXVHG WRDFWLYDWHDOOWKHVXSSOHPHQWDU\VHUYLFHVSURYLGHGE\WKHQHWZRUN
&RQVXOW\RXUVHUYLFHSURYLGHUIRUDFRPSOHWHOLVW
7KHPHQX00, V\VWHP
$SSHQGL[
$FFHVVRULHVOLVW
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
*ORVVDU\
([SUHVVLRQ
$&'&FKDUJHU $FWLYHFDOO $/6 $R& &% &/$
0HDQLQJ
$OWHUQDWLQJ&XUUHQW'LUHFW&XUUHQWFKDUJHU 7KHFDOOFXUUHQWO\LQFRQYHUVDWLRQ $OWHUQDWH/LQH/LQH6HUYLFH $GYLVHRI&KDUJHVXEVFULSWLRQVHUYLFH &HOO%URDGFDVW &LJDUHWWH/LJKWHU$GDSWRU
&/, &RQYHUVDWLRQPRGH &8* 'LYHUWLQJ '7& '70) )'1 *60 +) KWWS , 1 , 3 /&' /(' 00, 3, 13, 1 38. 38. [. . . ]