Download Operating Instructions ISDN-Telephone Integral
Transcript
BA_583_TH13_Multiline_I33_E 01.06.1999 11:59 Uhr Seite 1 Operating Instructions ISDN-Telephone Integral TH 13 connected to Integral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´VRIWNH\Vµ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´VRIWZDUH ORFNµ DOORZV \RX WR SURWHFW \RXU WHOHSKRQH DJDLQVW XQDXWKRUL]HG XVH )DPLOLDUL]H \RXUVHOI ZLWK \RXU SKRQH %DVLF UXOHV RI XVH 7KH IROORZLQJ SDJHV FRQWDLQ D IHZ EDVLF UXOHV RQ KRZ WR XVH \RXU SKRQH 6HOHFWLQJ IXQFWLRQV LQ WKH PHQX 0HQX 3UHVV WKH ´0HQXµ NH\ WR GLVSOD\ WKH PDLQ PHQX 3UHVV WKH ´&XUVRU XS GRZQµ NH\V WR PRYH WKH KLJKOLJKW EDU WR WKH GHVLUHG IXQFWLRQ H J ´DFRXVWLFVFRQWUDVWµ (QWHU 3UHVV WKH ´(QWHUµ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´1LJKW VHUYLFH µ 1RWH <RX FDQ VHOHFW DQ\ WHOHSKRQH VWDWXV PHVVDJH MXVW OLNH D PHQX LWHP E\ PRYLQJ WKH KLJKOLJKW EDU WR WKH GHVLUHG PHVVDJH DQG SUHVVLQJ WKH ´(QWHUµ NH\ )DPLOLDUL]H \RXUVHOI ZLWK \RXU SKRQH %DVLF UXOHV RI XVH 7KH IXQFWLRQV RI WKH VRIWNH\V FKDQJH DFFRUGLQJ WR RSHUDWLQJ PRGH $V VWDQGDUG WKH VRIWNH\V DUH DVVLJQHG ZLWK IXQFWLRQV RQ WZR OHYHOV ,I \RX ZDQW WR XVH PRUH OHYHOV SOHDVH FRQWDFW \RXU GHDOHU 6RIWNH\V 'LVSOD\ NH\V 7KH FXUUHQW DVVLJQPHQW RI HDFK VRIWNH\ LV VKRZQ LQ WKH GLVSOD\ H J ´/LQH µ WKLV NH\ VHUYHV DV WKH OLQH NH\ ZLWK ZKLFK \RX VHL]H H[FKDQJH OLQH / / / / / / / / -RKQ %DUU 6DPV 0RQN 6RIWNH\V DW VHYHUDO OHYHOV 6L[WHHQ NH\ DVVLJQPHQWV DUH VKRZQ RQ WKH GLVSOD\ VLPXOWDQHRXVO\ 3UHVV WKH ´'HVWLQDWLRQµ NH\ WR GLVSOD\ RWKHU VRIWNH\ OHYHOV )DPLOLDUL]H \RXUVHOI ZLWK \RXU SKRQH %DVLF UXOHV RI XVH <RX FDQ HQWHU WH[W XVLQJ WKH VRIWNH\V H J QDPHV LQ WKH WHOHSKRQH ERRN RU WH[W IRU DQ DSSRLQWPHQW (QWHULQJ WH[W ([DPSOH WH[W IRU DSSRLQWPHQW :KHQ SURJUDPPLQJ DQ DSSRLQWPHQW \RX $SSW FDQ HQWHU D VKRUW WH[W ZKLFK ZLOO EH GLV 7H[W3 SOD\HG DW WKH WLPH RI WKH DSSRLQWPHQW $ + ( % , & - ' . $SSW (3 $ + % , 2 9 & - ' . * 1 E ( / ) 0 * 1 E 7R FKDQJH WKH DVVLJQPHQW RI WKH NH\V XVH WKH VRIWNH\ ´µ :LWK WKH VRIWNH\ ´Eµ \RX FDQ WRJJOH EHW ZHHQ XSSHU DQG ORZHU FDVH OHWWHUV 3 : 4 ; 5 < $SSW (9(13 6 = 7 8 ( (DFK KLJKOLJKWHG OHWWHU RQ WKH GLVSOD\ FDQ EH HQWHUHG ZLWK WKH FRUUHVSRQGLQJ VRIWNH\ EHORZ (QWHU IRU H[DPSOH WKH ZRUG ´(9(1µ 7R W\SH DQ ´(µ SUHVV WKH FRUUHVSRQGLQJ VRIWNH\ 9 ) 0 $SSW (3 ( / E 1 (QWHU WKH UHPDLQLQJ OHWWHUV ´9(1µ 7KH WH[W LV VKRZQ RQ WKH GLVSOD\ )DPLOLDUL]H \RXUVHOI ZLWK \RXU SKRQH %DVLF UXOHV RI XVH * $SSW 2 9 3 : 7R FRUUHFW DQ HQWU\ ,I QHFHVVDU\ FKDQJH WKH DVVLJQPHQW RI WKH NH\V ZLWK WKH VRIWNH\ ´µ XQWLO WKH VRIW NH\ ´<µ DSSHDUV (3 4 ; 5 < $SSW 6 = 7 8 E 3UHVV VRIWNH\ ´<µ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´µ IRU DQ RXWVLGH OLQH RU SUHVV D OLQH NH\ 'LDO WKH H[WHUQDO QXPEHU UHTXLUHG / &DOO 7KH OLQH DQG WKH QXPEHU GLDOHG DUH VKRZQ RQ WKH GLVSOD\ %DVLF IXQFWLRQV 0DNLQJ FDOOV ,6'1 RU LQWHUQDO FDOOV DUH GLVSOD\HG ZLWK WKH FDOO QXPEHU RI WKH FDOOHU ,I WKH FRPSOHWH FDOO QXPEHU LV VWRUHG LQ \RXU V\VWHP WKH QDPH RI WKH FDOOLQJ SDUW\ LV GLVSOD\HG LQVWHDG RI WKH FDOO QXPEHU 5HGLDOLQJ D QXPEHU )LYH H[WHUQDO QXPEHUV FDQ EH UHGLDOHG IURP WKH UHGLDO PHPRU\ 3UHVV WKH ´5HGLDOµ NH\ 7KH ODVW ILYH QXPEHUV DUH VKRZQ RQ WKH GLVSOD\ 5HGLDO 0RYH WKH KLJKOLJKW EDU WR WKH GHVLUHG QXPEHU DQG SUHVV ´(QWHUµ 'LDO 'HOHWH (QG (QWHU 3UHVV ´(QWHUµ DJDLQ WR GLDO WKH QXPEHU RU /LIW WKH KDQGVHW WR GLDO WKH QXPEHU %DVLF IXQFWLRQV 0DNLQJ FDOOV * ,I \RX FDOO DQ H[WHQVLRQ DQG WKH OLQH LV EXV\ RU WKH FDOOHG SDUW\ GRHV QRW DQVZHU \RX FDQ DFWLYDWH DXWRPDWLF FDOOEDFN <RX FDQ FXWLQ RQ D FDOO LI WKH OLQH LV EXV\ DQG \RX GR QRW ZDQW WR ZDLW XQWLO WKH RQJRLQJ FDOO LV RYHU 7KLV IXQFWLRQ PXVW EH HQDEOHG IRU \RXU SKRQH ,I WKH FDOOHG SDUW\ LV EXV\ &DOOEDFN 3UHVV WKH ´&DOOEDFNµ NH\ WR LQLWLDWH DXWRPDWLF FDOOEDFN :DLW IRU WKH DFNQRZOHGJHPHQW WRQH WKHQ KDQJ XS <RXU SKRQH ULQJV DV VRRQ DV WKH RWKHU SDUW\ KDQJV XS 6HOHFW WKH PHQX LWHP ´$QVZHU FDOOµ RU OLIW WKH KDQGVHW $QVZHU FDOO 0LOOHU &DOO 7KH FDOO WR WKH RWKHU SDUW\ LV UHSHDWHG 1RWH <RX FDQ DOVR LQWLWLDWH FDOOEDFN ZKHQ WKH FDOOHG SDUW\ LV LGOH &XWLQ &XWLQ 6HOHFW WKH PHQX LWHP ´&XWLQµ <RX KDYH QRZ FXW LQ RQ WKH FDOO DQG FDQ WDON WR WKH RWKHU SDUW\ $OO SDUWLHV KHDU D VSHFLDO FXWLQ WRQH S (QG 7HUPLQDWLQJ FXWLQ 6HOHFW WKH PHQX LWHP ´(QGµ 7KLV FXWV RII WKH FRQQHFWLRQ WR WKH RWKHU SDUWLHV %DVLF IXQFWLRQV $QVZHULQJ FDOOV <RX FDQ OLIW WKH KDQGVHW DV XVXDO DQG WDON WR WKH FDOOHU <RX FDQ DOVR DQVZHU FDOOV E\ SUHVVLQJ WKH ´+DQGVIUHHµ NH\ DQG OHDYLQJ WKH KDQGVHW RQKRRN ,I DQRWKHU VXEVFULEHU LQ \RXU V\VWHP UHFHLYHV D FDOO \RX FDQ SLFN LW XS RQ \RXU SKRQH 3LFN 8S ,QFRPLQJ FDOOV &DOO <RXU WHOHSKRQH ULQJV DQG WKH /(' EHVLGH WKH KDQGVHW IODVKHV 7KH PHVVDJH ´&DOOµ DSSHDUV RQ WKH GLVSOD\ 7KH QDPH RI WKH FDOOHU LV GLVSOD\HG LI LW LV VWRUHG DORQJ ZLWK WKH FRPSOHWH FDOO QXPEHU LQ \RXU WHOHSKRQH GLUHFWRU\ /LIW WKH KDQGVHW WR DQVZHU WKH FDOO &RQYHUV <RX DUH QRZ FRQQHFWHG WR WKH FDOOLQJ SDUW\ 1RWH (YHU\ FDOO \RX GR QRW WDNH LV HQWHUHG LQ WKH FDOO OLVW S &DOO SLFNXS ,I WKH RWKHU WHOHSKRQH ULQJV SLFN XS \RXU KDQGVHW 3LFNXS IURP 6HOHFW WKH PHQX LWHP ´3LFNXS IURPµ (QWHU WKH QXPEHU RI WKH FDOOHG SDUW\ <RX FDQ QRZ VSHDN ZLWK WKH FDOOHU %DVLF IXQFWLRQV $QVZHULQJ FDOOV * <RX FDQ DOVR SLFN XS FDOOV RQ \RXU SKRQH LQWHQGHG IRU RWKHU PHPEHUV RI \RXU JURXS *URXS 3LFN 8S ,I DQ\ WHOHSKRQH LQ WKH JURXS ULQJV SLFN XS \RXU KDQGVHW 6HOHFW WKH PHQX LWHP ´3LFNXS IURPµ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´5HFDOOµ NH\ WR SODFH WKH FDOOHU RQ KROG (QWHU WKH QXPEHU UHTXLUHG HJ ZLWK D GHVWLQDWLRQ RU SDUWQHU NH\ ,I WKLV IXQFWLRQ LV HQDEOHG ZLWK \RXU V\VWHP \RX FDQ DOVR HQWHU WKH QXPEHU RI D FRQ QHFWHG V\VWHP RU VHL]H D OLQH LQ RUGHU WR HQWHU DQ H[WHUQDO FDOO QXPEHU <RX FDQ QRZ FRQYHUVH ZLWK WKH FRQVXOWHG SDUW\ 7KH ILUVW SDUW\ LV RQ KROG 7RJJOLQJ EHWZHHQ WKH ILUVW SDUW\ DQG WKH FRQVXOWHG SDUW\ <RX KDYH LQLWLDWHG RQH RU PRUH FDOOV ZKLOH WDONLQJ WR WKH ILUVW SDUW\ 0HQX 3UHVV WKH ´0HQXµ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´7UDQVIHU FDOOµ WR WUDQVIHU \RXU LQLWLDO SDUW\ 7UDQVIHU FDOO 5 / /LQH IURP 5HWFDOO RU SUHVV WKH ´5HFDOOµ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´&RQIHUHQFHµ &RQIHUHQFH 'LDO WKH QXPEHU RI WKH GHVLUHG VXEVFULEHU / %HUW &RQIHU $V VRRQ DV WKH SDUWLFLSDQW DQVZHUV KH LP PHGLDWHO\ WDNHV SDUW LQ WKH FRQIHUHQFH FDOO $OO FRQIHUHQFH SDUWLHV FDQ ZLWKGUDZ IURP WKH FRQIHUHQFH FDOO E\ UHSODFLQJ WKH KDQGVHW 7UDQVIHULQJ DQ H[WHUQDO FDOO WR DQ LQWHUQDO FRQIHUHQFH SDUW\ <RX KDYH VHW XS D FRQIHUHQFH FDOO EHWZHHQ &RQIHU DQ H[WHUQDO VXEVFULEHU DQG DQ LQWHUQDO -RKQ SDUW\ 7UDQVIHU WR FRQIHUHH 6HOHFW PHQX LWHP ´7UDQVIHU WR FRQIHUHHµ 7KH WZR SDUWLFLSDQWV DUH FRQQHFWHG WR HDFK RWKHU 5HSODFH WKH KDQGVHW %DVLF IXQFWLRQV &RQIHUHQFH <RX FDQ WDON WR WZR H[WHUQDO VXEVFULEHUV VLPXOWDQHRXVO\ $GGLQJ H[WHUQDO VXEVFULEHUV WR D FDOO H[WHUQDO FRQIHUHQFH <RX DUH RQ WKH OLQH WR DQ H[WHUQDO &RQYHUV VXEVFULEHU 5 3UHVV WKH ´5HFDOOµ NH\ WR SODFH WKH FDOOHU RQ KROG 'LDO ´µ RU SUHVV D OLQH NH\ WR VHL]H D OLQH (QWHU GHVLUHG QXPEHU &RQIHUHQFH / ,6'1 &RQIHU 6HOHFW WKH ´&RQIHUHQFHµ PHQX LWHP ZKHQ WKH FDOOHG SDUW\ DQVZHUV 3UHVV WKH OLQH NH\ RI WKH ILUVW SDUW\ $OO WKUHH SDUWLHV FDQ WDON ZLWK RQH DQRWKHU 7KH H[WHUQDO VXEVFULEHU IDLOV WR DQVZHU 3UHVV WKH ´'LVFRQQHFWµ NH\ / 3UHVV WKH OLQH NH\ WR UHWXUQ WR WKH ILUVW FDOO %DVLF IXQFWLRQV &RQIHUHQFH * <RX FDQ WHUPLQDWH WKH FRQIHUHQFH FDOO ZLWKRXW GLVFRQQHFWLQJ WKH FDOOV WR WKH RWKHU SDUWLHV 7HUPLQDWLQJ WKH FRQIHUHQFH DQG PDLQWDLQLQJ WKH FRQQHFWLRQ <RX KDYH VHW XS D FRQIHUHQFH FDOO EHWZHHQ &RQIHU DQ H[WHUQDO DQG DQ LQWHUQDO SDUW\ -RKQ &RQIHUHQFH RII -RKQ ZDLWLQJ &RQYHUV 6HOHFW WKH PHQX LWHP ´&RQIHUHQFH RIIµ 7KH FRQQHFWLRQ UHPDLQV VHW XS 7KH RWKHU VXEVFULEHU LV ZDLWLQJ 7HUPLQDWH FRQIHUHQFH DQG FRQQHFWLRQ 3UHVV WKH ´'LVFRQQHFWµ NH\ 7KLV WHUPLQDWHV WKH FRQIHUHQFH DQG EUHDNV DOO FRQQHFWLRQV %DVLF IXQFWLRQV $GGLWLRQDO FDOO GXULQJ DQ H[LVWLQJ FDOO <RX FDQ DQVZHU DQ DGGLWLRQDO FDOO ZDLWLQJ FDOOHU GXULQJ DQ H[LVWLQJ FDOO $QVZHULQJ DQ DGGLWLRQDO FDOO 0LOOHU &DOO &RQYHUV 0HQX 0LOOHU &RQYHUV &DOO 3UHVV WKH ´0HQXµ NH\ WR GLVSOD\ WKH FDOO OLVW 7KH DGGLWLRQDO FDOO LV GLVSOD\HG 6HOHFW WKH GHVLUHG HQWU\ 0LOOHU <RX UHFHLYH D VHFRQG FDOO ZKLOH WDONLQJ WR DQRWKHU SDUW\ 7KLV LV GLVSOD\HG LQ DQ DGGLWLRQDO ZLQGRZ DQG \RX ZLOO KHDU D ORZ FDOOLQJ WRQH ZDLWLQJ &RQYHUV <RX DUH QRZ FRQQHFWHG WR WKH FDOOLQJ SDUW\ 7KH ILUVW SDUWQHU ZDLWV DQG FDQQRW KHDU \RXU RWKHU FRQYHUVDWLRQ <RX PD\ QRZ VZLWFK EHWZHHQ WZR FDOOHUV S WUDQVIHU WKH FDOOHU S %DVLF IXQFWLRQV 0RQLWRULQJ DQG +DQGVIUHH <RX FDQ KHDU WKH RWKHU SDUW\ RQ WKH ORXGVSHDNHU <RX FDQ OLVWHQ DQG VSHDN WR D FDOOHU KDQGVIUHH /LVWHQLQJ WR \RXU SDUWQHU RYHU WKH ORXGVSHDNHU 0RQLWRULQJ <RX DUH RQ D FDOO 3UHVV WKH ´0RQLWRUµ NH\ WR VZLWFK RQ WKH ORXG VSHDNHU 0LOOHU &RQYHUV <RX KHDU \RXU SDUWQHU RYHU WKH ORXGVSHDNHU $ VPDOO ORXGVSHDNHU V\PERO DSSHDUV RQ WKH ILUVW OLQH RI WKH GLVSOD\ 6ZLWFKLQJ 0RQLWRULQJ RII 3UHVV WKH ´0RQLWRUµ NH\ DJDLQ WR WXUQ RII WKH ORXGVSHDNHU +DQGVIUHH 3UHVV WKH ´+DQGVIUHHµ NH\ 0LOOHU &RQYHUV <RX ZLOO KHDU \RXU SDUWQHU RQ WKH ORXG VSHDNHU DQG FDQ VSHDN WR WKHP ZLWKRXW SLFNLQJ XS WKH KDQGVHW 7KH ORXGVSHDNHU DQG PLFURSKRQH V\PEROV DSSHDU RQ WKH ILUVW OLQH RI WKH GLVSOD\ (QGLQJ WKH FDOO 3UHVV WKH ´+DQGVIUHHµ NH\ 6ZLWFKLQJ RII +DQGVIUHH ,I \RX ZDQW WR FRQWLQXH WKH FDOO ZLWK WKH KDQGVHW /LIW WKH KDQGVHW $GMXVWLQJ WKH YROXPH 7R DGMXVW WKH KDQGVIUHH VHWWLQJV VHH WKH VHFWLRQ ´&RQWUDVW ODQJXDJH DQG DXGLR VHWWLQJVµ S $GYDQFHG IXQFWLRQV 'LYHUWLQJ FDOOV <RX FDQ GLYHUW FDOOV WR DQRWKHU WHOHSKRQH ZLWKLQ \RXU V\VWHP <RX VHW XS WKLV W\SH RI FDOO GLYHUVLRQ IURP \RXU RZQ SKRQH RU IURP DQRWKHU RQH <RX FDQ DOVR GLYHUW H[WHUQDO DQG LQWHUQDO FDOOV WR DQ H[WHUQDO QXPEHU DQG GLYHUW FDOOV IRU DQRWKHU SKRQH 6HWWLQJ XS FDOO GLYHUVLRQ &DOO GLYHUVLRQ 6HOHFW WKH PHQX LWHP ´&DOO GLYHUVLRQµ <RX FDQ VHOHFW RQH RI WKH IROORZLQJ RSWLRQV 'LYHUW IURP (QWHU WKH QXPEHU RI WKH WHOHSKRQH ZKRVH FDOOV DUH WR EH GLYHUWHG WR \RX 'LYHUW WR LPPHGLDWH (QWHU WKH QXPEHU RI WKH WHOHSKRQH \RXU FDOOV DUH WR EH GLYHUWHG WR 'LYHUW WR DIWHU WLPH (QWHU WKH QXPEHU RI WKH WHOHSKRQH \RXU FDOOV DUH WR EH GLYHUWHG WR LI WKH\ DUH QRW DQVZHUHG ZLWKLQ D GHILQHG WLPH 'LYHUW WR LI EXV\ (QWHU WKH QXPEHU RI WKH WHOHSKRQH \RXU FDOOV DUH WR EH GLYHUWHG WR LI \RX DUH EXV\ 'LYHUW IRU <RX FDQ GLYHUW FDOOV WR LQWHUQDO SKRQHV IRU RWKHU VXEVFULEHUV ([W FDOO GLYHUVLRQ LPPHGLDWH (QWHU WKH H[WHUQDO QXPEHU \RXU FDOOV DUH WR EH GLYHUWHG WR ([W FDOO GLYHUVLRQ DIWHU WLPH (QWHU WKH H[WHUQDO QXPEHU \RXU FDOOV DUH WR EH GLYHUWHG WR LI WKH\ DUH QRW DQVZHUHG ZLWKLQ D GHILQHG WLPH ([W FDOO GLYHUVLRQ LI EXV\ (QWHU WKH H[WHUQDO QXPEHU \RXU FDOOV DUH WR EH GLYHUWHG WR LI \RX DUH EXV\ %DU FDOO GLYHUVLRQ &DOOV GLYHUWHG WR \RX YLD WKH H[FKDQJH DUH UHMHFWHG HJ FDOOV ZKLFK DUH DFFLGHQWDOO\ GLYHUWHG WR \RXU H[WHQVLRQ 'LYHUW EXQGOH 7KLV IXQFWLRQ GLYHUWV VHYHUDO H[FKDQJH OLQHV WR WKH VSHFLILHG H[WHQVLRQ $GYDQFHG IXQFWLRQV 'LYHUWLQJ FDOOV 6HOHFW WKH UHTXLUHG PHQX LWHP HJ ´'LYHUW WRµ (QWHU WKH QXPEHU RI \RXU GLYHUVLRQ GHVWLQD WLRQ HJ 'LYHUW WR 6HOHFW WKH W\SH RI FDOO GLYHUVLRQ HJ µDIWHU WLPHµ 'LYHUW WR LPPHGLDWH DIWHU WLPH LI EXV\ FDQFHO (QWHU 7HOHSKRQH VWDWXV 'LYHUW WR 7HOHSKRQH VWDWXV 'LYHUW WR 'LYHUW WR % &RQILUP ZLWK WKH ´(QWHU´ NH\ &DOO GLYHUVLRQ DIWHU WLPH WR WKH GHVLUHG VXE VFULEHU LV QRZ DFWLYDWHG ,W LV LQGLFDWHG LQ WKH LGOH GLVSOD\ &DOOV IRU \RX ZLOO QRZ UHDFK WKH WHOHSKRQH RI VXEVFULEHU LI \RX GR QRW WDNH WKHP ´&DOO GLYHUVLRQ LI EXV\µ FDQ EH DFWLYDWHG VL PXOWDQHRXVO\ WR WKH VDPH RU D VHSDUDWH VXEVFULEHU $GYDQFHG IXQFWLRQV 'LYHUWLQJ FDOOV * 6HWWLQJ XS FDOO GLYHUVLRQ IRU RWKHUV &DOO GLYHUVLRQ 6HOHFW WKH PHQX LWHP ´'LYHUW IRUµ 'LYHUW IRU (QWHU (QWHU WKH QXPEHU RI WKH VXEVFULEHU IRU ZKRP \RX ZDQW WR VHW XS LQWHUQDO FDOO GLYHUVLRQ 3UHVV WKH ´(QWHUµ NH\ WR FRQILUP WKH HQWU\ (QWHU WKH QXPEHU RI WKH WHOHSKRQH WR ZKLFK WKH RWKHU VXEVFULEHU·V FDOOV DUH WR EH GLYHUWHG 6HOHFW WKH W\SH RI FDOO GLYHUVLRQ HJ µDIWHU WLPHµ 'LYHUW WR LPPHGLDWH DIWHU WLPH LI EXV\ FDQFHO (QWHU &RQILUP ZLWK WKH ´(QWHU´ NH\ &DOO GLYHUVLRQ LV QRZ DFWLYDWHG IRU WKDW VXE VFULEHU 'HDFWLYDWLQJ FDOO GLYHUVLRQ 7HOHSKRQH VWDWXV 'LYHUW WR 'LYHUW WR 'HOHWH $Q H[LVWLQJ FDOO GLYHUVLRQ LV VKRZQ RQ WKH GLVSOD\ RI \RXU SKRQH 7KH FDOO GLYHUVLRQ IXQFWLRQ FDQ EH VHOHFWHG GLUHFWO\ IURP WKH LGOH GLVSOD\ 6HOHFW WKH PHQX LWHP ´'LYHUW WR µ 6HOHFW WKH ´'HOHWHµ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´3DUWQHUEHHS RQRIIµ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´7HOHSKRQH GLUHFWRU\µ NH\ 3UHVV WKH ´(QWHUµ NH\ WR HGLW WKH 7HOHSKRQH GLUHFWRU\ <RX FDQ QRZ HGLW WKH HQWULHV LQ \RXU WHOHSKRQH GLUHFWRU\ DOWHU DQ HQWU\ GHOHWH DQ HQWU\ VWRUH D QHZ LQGLYLGXDO HQWU\ VWRUH D QHZ JHQHUDO HQWU\ PXVW EH HQDEOHG E\ \RXU GHDOHU 6WRULQJ QXPEHUV IRU \RXU SKRQH ::: QHZ LQG HQWU\ 7HO 'HVW 1XPEHU 1DPH HJ 1 (QWHU (GLW WKH WHOHSKRQH GLUHFWRU\ 6HOHFW ´QHZ LQG HQWU\µ WR VWRUH D QHZ VLQJOH HQWU\ <RX FDQ QRZ VWRUH D QHZ QXPEHU 7KH V\VWHP DXWRPDWLFDOO\ VHOHFWV WKH QH[W IUHH GHVWLQDWLRQ (QWHU WKH QXPEHU XVLQJ WKH GLJLW NH\V DQG WKH VXEVFULEHU QDPH XVLQJ WKH VRIWNH\V 3UHVV WKH ´(QWHUµ NH\ WR FRQILUP HDFK HQWU\ 1RWH <RX FDQ VHOHFW WKH ODVW QXPEHU GLDOHG ZKHQ HQWHULQJ WKH QXPEHU (QG 6HOHFW ´(QGµ WR FRPSOHWH DQG VWRUH WKH HQWU\ <RX FDQ DOVR HQWHU DQG VWRUH RWKHU SKRQH ERRN HQWULHV LI \RX ZLVK $GYDQFHG IXQFWLRQV 7HOHSKRQH GLUHFWRU\ VWRULQJ DQG XVLQJ <RX FDQ HQWHU QXPEHUV LQ WKH WHOHSKRQH GLUHFWRU\ WKDW FDQ EH XVHG E\ DOO VXEVFULEHUV LI \RX KDYH WKH DSSURSULDWH DXWKRUL]DWLRQ 6WRULQJ JHQHUDO GHVWLQDWLRQV 3URJUDPPLQJ *HQHUDO FRGH GLDOLQJ 'HVW 1XPEHU 1DPH 6HOHFW WKH PHQX LWHP ´3URJUDPPLQJµ WR VWRUH D QHZ JHQHUDO HQWU\ 6HOHFW WKH PHQX LWHP ´*HQHUDO FRGH GLDOLQJµ 7KH HQWU\ PDVN IRU JHQHUDO QXPEHUV ZLOO DSSHDU 7KHVH QXPEHUV DUH DYDLODEOH WR DOO VXEVFULEHUV LQ \RXU V\VWHP (QWHU WKH QXPEHU IRU D IUHH GHVWLQDWLRQ HJ 1 (QWHU (QWHU WKH QXPEHU XVLQJ WKH GLJLW NH\V DQG WKH VXEVFULEHU QDPH XVLQJ WKH VRIWNH\V 3UHVV WKH ´(QWHUµ NH\ WR FRQILUP HDFK HQWU\ 1RWH <RX FDQ VHOHFW WKH ODVW QXPEHU GLDOHG ZKHQ HQWHULQJ WKH QXPEHU (QG 6HOHFW ´(QGµ WR FRPSOHWH DQG VWRUH WKH HQWU\ <RX FDQ DOVR HQWHU DQG VWRUH RWKHU SKRQH ERRN HQWULHV LI \RX ZLVK $GYDQFHG IXQFWLRQV 7HOHSKRQH GLUHFWRU\ VWRULQJ DQG XVLQJ 'LDOLQJ D QXPEHU VWRUHG LQ WKH WHOHSKRQH GLUHFWRU\ 3UHVV WKH ´7HOHSKRQH GLUHFWRU\µ NH\ 7KLV FDOOV XS WKH HOHFWURQLF WHOHSKRQH ERRN 7KH ILUVW HQWU\ LQ DOSKDEHWLFDO RUGHU LV 7HOHSKRQH GLUHFWRU\ GLVSOD\HG <RX FDQ QRZ VHDUFK IRU WKH 6HDUFK 3 UHTXLUHG HQWU\ VWRULQJ FDOO QXPEHUV S HJ 1 7HOHSKRQH GLUHFWRU\ 6HDUFK 13 1RODQ (QWHU WKH ILUVW OHWWHU RI WKH QDPH \RX DUH ORRNLQJ IRU 7KH GLVSOD\ QRZ FRQWDLQV WKH ILUVW HQWU\ WKDW EHJLQV ZLWK WKLV OHWWHU 7R VHOHFW WKH UHTXLUHG HQWU\ 0RYH WKH KLJKOLJKW EDU WR WKH UHTXLUHG HQWU\ 3UHVV WKH (QWHU NH\ WR VHOHFW DQ HQWU\ 'LDO 7KH KLJKOLJKWHG QXPEHU LV GLDOHG $GYDQFHG IXQFWLRQV 7HOHSKRQH GLUHFWRU\ VWRULQJ DQG XVLQJ * <RX FDQ VDYH WKH QXPEHU LQ WKH UHGLDO PHPRU\ DV D QRWH LI \RX ZDQW WR NHHS WKH QXPEHU 8S WR WKUHH QXPEHUV FDQ EH VDYHG XVLQJ WKLV IHDWXUH 6WRULQJ WKH PRVW UHFHQWO\ GLDOHG QXPEHU DV D QRWH 6HOHFW WKH GHVLUHG PHQX LWHP 1RWH 1H[W QRWLFH HJ 1 (QG 6HOHFW WKH PHQX LWHP ´1H[W QRWLFHµ LI \RX GR QRW ZDQW WR RYHUZULWH D QXPEHU VWRUHG LQ WKH QRWHSDG 6HOHFW WKH PHQX LWHP ZLWK WKH PRVW UHFHQWO\ GLDOHG QXPEHU ,W LV HQWHUHG LQ WKH KHDGHU (QWHU WKH VXEVFULEHU QDPH XVLQJ WKH VRIWNH\V 6HOHFW ´(QGµ WR FRPSOHWH DQG VWRUH WKH HQWU\ <RX FDQ QRZ GLDO WKLV QXPEHU DW DQ\ WLPH IURP WKH QRWHERRN $GYDQFHG IXQFWLRQV &DOO OLVW ,I \RX GR QRW WDNH D FDOO LW ZLOO EH VWRUHG LQ WKH FDOO OLVW ZLWK WKH WLPH DQG GD\ RI WKH ZHHN <RX FDQ FDOO XS WKH OLVW DW DQ\ WLPH DQG FDOO EDFN WKH VXEVFULEHUV LW FRQWDLQV 7KH OLVW FRQWDLQV WKH PRVW UHFHQW HQWULHV 'LDOLQJ D QXPEHU IURP WKH FDOO OLVW 7KH IROORZLQJ PHVVDJH DSSHDUV RQ WKH LGOH GLVSOD\ ´&DOO OLVWµ 7HOHSKRQH VWDWXV &DOO OLVW (QWHU &DOO OLVW )U )U 0R 7X :H 3UHVV ´(QWHUµ ,QFRPLQJ FDOOV DUH GLVSOD\HG ,I DYDLODEOH WKH FDOOHU·V QDPH LV GLVSOD\HG UDWKHU WKDQ KLV QXPEHU <RX PD\ QRZ FDOO DQ HQWU\ GHOHWH DQ HQWU\ L L%HFNHU )U &DOOLQJ DQ HQWU\ 0RYH WKH KLJKOLJKW EDU WR WKH UHTXLUHG HQWU\ 'LDO 7KH KLJKOLJKWHG QXPEHU LV GLDOHG 'HOHWLQJ DQ HQWU\ 6HOHFW WKH GHVLUHG HQWU\ ,W LV GLVSOD\HG LQ WKH KHDGHU OLQH RI WKH FDOO OLVW )U 6HOHFW WKH PHQX LWHP ´'HOHWHµ WR GHOHWH WKH HQWU\ 'HOHWH 6\PEROV LQ WKH FDOO OLVW L 1XPEHU RI WLPHV WKH VXEVFULEHU FDOOHG LQWHUQDO FDOO $GYDQFHG IXQFWLRQV 6HWWLQJV <RX FDQ VHW XS \RXU SKRQH IRU \RXU RZQ LQGLYLGXDO QHHGV 7HOHSKRQH 6HWWLQJV 6HOHFW WKH PHQX LWHP ´6HWWLQJVµ 6HWWLQJV 6HWWLQJV *HQHUDO FDOO +XQW JURXS 'R QRW GLVWXUE $XWRPDWLF KDQGVIUHH RII RII RII R)I 7KH GLVSOD\ FRQWDLQV DOO RI WKH GHIDXOW VHWWLQJV WKDW \RX FDQ PRGLI\ 1RWH $OO VHWWLQJV DUH DFWLYDWHG DQG GHDFWLYDWHG LQ WKH VDPH ZD\ DV LQ WKH ´'R QRW GLVWXUEµ H[DPSOH EHORZ 'R QRW GLVWXUE 6HOHFW WKH PHQX LWHP ´'R QRW GLVWXUEµ 6HWWLQJV 'R QRW GLVWXUE RII 'R QRW GLVWXUE RQ (QG 7HOHSKRQH VWDWXV 'R QRW GLVWXUE 3UHVV WKH ´(QWHUµ NH\ WR VZLWFK WKH PHQX LWHP WR ´RQµ 6HOHFW WKH PHQX LWHP ´(QGµ 7KH FRUUHVSRQGLQJ PHVVDJH DSSHDUV RQ WKH LGOH GLVSOD\ 7KH WHOHSKRQH GRHV QRW ULQJ RQ LQWHUQDO FDOOV $GYDQFHG IXQFWLRQV &RQWUDVW ODQJXDJH DQG DXGLR VHWWLQJV <RX FDQ DGMXVW WKH GLVSOD\ FRQWUDVW DQG YDULRXV DXGLR VHWWLQJV <RX FDQ DOVR VSHFLI\ WKH ODQJXDJH IRU WKH YDULRXV PHQXV <RX FDQ FKRRVH EHWZHHQ (QJOLVK *HUPDQ DQG )UHQFK 6HWWLQJ DFRXVWLFV DQG FRQWUDVW 6HOHFW WKH PHQX LWHP ´DFRXVWLFVFRQWUDVWµ DFRXVWLFVFRQWUDVW DFRXVWLFVFRQWUDVW 5LQJHU YROXPH &RQWUDVW 0RQLWRU +DQGVHW YROXPH +DQGVIUHH 5LQJHU YROXPH HJ DFRXVWLFVFRQWUDVW 5LQJHU YROXPH &RQWUDVW 0RQLWRU +DQGVHW YROXPH +DQGVIUHH 7KH FXUUHQW VHWWLQJV DUH GLVSOD\HG <RX PD\ QRZ FKDQJH WKH UHVSHFWLYH VHWWLQJ HJ WKH ULQJLQJ YROXPH (QG 6HOHFW WKH UHVSHFWLYH PHQX LWHP 7\SH LQ WKH QHZ VHWWLQJ XVLQJ WKH GLJLW NH\V HJ ´µ 7KH QHZ YDOXH LV GLVSOD\HG $V D FKHFN \RX ZLOO KHDU WKH FDOO WRQH ZLWK WKH QHZ YROXPH 3UHVV WKH ´(QGµ VRIWNH\ 7KLV VDYHV WKH QHZ VHWWLQJ 6HWWLQJ ODQJXDJH 3URJUDPPLQJ 6HOHFW WKH GHVLUHG PHQX LWHP /DQJXDJH (QWHU WKH VXEVFULEHU QXPEHU (QJOLVK (QG 6HOHFW WKH UHTXLUHG ODQJXDJH HJ ´(QJOLVKµ 6HOHFW WKH PHQX LWHP ´(QGµ 7KH GLVSOD\HG LWHPV QRZ DSSHDU LQ WKH VHOHFWHG ODQJXDJH $GYDQFHG IXQFWLRQV &RQWUDVW ODQJXDJH DQG DXGLR VHWWLQJV * <RX FDQ FKDQJH WKH EDVLF VHWWLQJV IRU KDQGVIUHH 6HWWLQJ KDQGVIUHH DFRXVWLFVFRQWUDVW 6HOHFW PHQX LWHP ´DFRXVWLFVFRQWUDVWµ +DQGVIUHH 6HOHFW WKH PHQX LWHP ´+DQGVIUHHµ 7KH IROORZLQJ OHYHOV FDQ EH VHW IRU KDQGV IUHH /HYHO 0HGLXP VHWWLQJ YROXPH EHW ZHHQ DQG /HYHO /RQJGLVWDQFH FRQQHFWLRQ ´TXLHWµ FRQQHFWLRQ /HYHO ,QWHUQDO FRQQHFWLRQ ´ORXGµ FRQ QHFWLRQ SXUHO\ GLJLWDO FRQQHFWLRQ /HYHO $X[LOLDU\ ORXGVSHDNHU 1RWH 7KH IRXUWK OHYHO LV H[FOXVLYHO\ IRU KDQGVIUHH FDOOV ZLWK DX[LOLDU\ ORXGVSHDNHU $V D UXOH WKH EHVW UHVXOWV IRU KDQGVIUHH DUH DFKLHYHG ZLWK WKH WKLUG OHYHO LI \RX XVH WKH WHOHSKRQH·V EXLOWLQ ORXGVSHDNHU (QWHU QHZ VHWWLQJ ZLWK QXPHULF NH\V HJ ´µ DFRXVWLFVFRQWUDVW 5LQJHU YROXPH &RQWUDVW 0RQLWRU +DQGVHW YROXPH +DQGVIUHH HJ (QG 3UHVV ´(QGµ GLVSOD\ NH\ LQ RUGHU WR FRQILUP WKH QHZ VHWWLQJ $GYDQFHG IXQFWLRQV 'LVSOD\LQJ FDOO FKDUJHV &DOO FKDUJHV VLQFH WKH ODVW GHOHWLRQ DUH VWRUHG DQG WRWDOHG <RX FDQ GLVSOD\ WKLV WRWDO DQG GHOHWH WKH GLVSOD\ 7KH GHIDXOW VHWWLQJ RI WKH FKDUJH GLVSOD\ LV FXUUHQF\ <RXU GHDOHU FDQ VZLWFK \RXU GLVSOD\ RYHU WR XQLWV 'LVSOD\LQJ FDOO FKDUJHV 6HOHFW WKH PHQX LWHP ´&KDUJHVµ &KDUJHV /DVW FDOO 3QG 7KH FDOO FKDUJHV IRU WKH ODVW FDOO DUH VKRZQ LQ WKH KHDGHU <RX FDQ FDOO XS WKH WRWDO IRU WKH IROORZLQJ LI \RX KDYH DXWKRUL]DWLRQ IURP \RXU GHDOHU IRU D VXEVFULEHU IRU D OLQH IRU DOO FKDUJHV 7RWDO VXEV 7RWDO VXEV 3QG 6HOHFW WKH GHVLUHG PHQX LWHP HJ ´7RWDO VXEVFULEHUµ WR GLVSOD\ WKH FDOO FKDUJHV IRU D VSHFLILF VXEVFULEHU 7KH FKDUJHV DUH GLVSOD\HG LQ WKH KHDGHU 1RWH (QWHU WKH LQWHUQDO QXPEHU RI WKH VXEVFULEHU ZKRVH FKDUJHV \RX ZLVK WR FDOO XS ,I \RX QHHG WKH FKDUJHV IRU D VSHFLILF OLQH VHOHFW WKH UHVSHFWLYH OLQH E\ SUHVVLQJ WKH FRUUHVSRQGLQJ OLQH NH\ 'HOHWH WKH FKDUJH GLVSOD\ 6HOHFW WKH PHQX LWHP ´'HOHWH FDOO FKDUJHVµ 'HOHWH FDOO FKDUJHV 6HOHFW WKH PHQX LWHP ´(QGµ 7KH FKDUJH GLVSOD\ LV GHOHWHG (QG (XUR ! QDW FXUUHQF\ (QWHU 6HOHFW (XUR RU QDWLRQDO FXUUHQF\ 6HOHFW WKH PHQX LWHP ´(XUR ! QDWLRQDO FXUUHQF\µ 3UHVV WKH ´(QWHUµ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´$QQRXQFHµ PHQX LWHP 7KH ORXGVSHDNHU RQ WKH FDOOHG SDUW\·V SKRQH LV VZLWFKHG RQ <RX FDQ QRZ PDNH DQ DQQRXQFHPHQW WR WKLV VXEVFULEHU $QQRXQFHPHQW WR VHYHUDO VXEVFULEHUV /LIW WKH KDQGVHW $QQRXQFH $QQRXQFH $QQRXQFHPHQW WR DOO VXEV *URXS $QQRXQFHPHQW WR DOO VXEV 6HOHFW WKH ´$QQRXQFHµ PHQX LWHP <RX FDQ QRZ PDNH DQ DQQRXQFHPHQW WR DOO VXEVFULEHUV WR D VSHFLILF JURXS PXVW EH VHW XS E\ \RXU GHDOHU 6HOHFW WKH UHTXLUHG PHQX LWHP HJ ´$QQRXQFHPHQW WR DOO VXEVµ 7KH ORXGVSHDNHU RQ WKH FDOOHG SDUW\·V SKRQHV DUH VZLWFKHG RQ <RX FDQ QRZ PDNH DQ DQQRXQFHPHQW $QVZHULQJ DQ DQQRXQFHPHQW <RX KHDU DQ DQQRXQFHPHQW /LIW WKH KDQGVHW $QVZHU DQQRXQFHPHQW 6HOHFW WKH ´$QVZHU DQQRXQFHPHQWµ PHQX LWHP 7KH SDUW\ ZKR PDGH WKH DQQRXQFHPHQW LV FDOOHG $GYDQFHG IXQFWLRQV 6HQGLQJ DQG UHFHLYLQJ WH[W PHVVDJHV <RX FDQ VHQG PHVVDJHV WR RWKHU VXEVFULEHUV LQ \RXU V\VWHP LI WKH\ GR QRW UHSO\ WKH OLQH LV EXV\ RU VRPHRQH LV FDOOLQJ \RX 2QO\ WHOHSKRQHV ZLWK D GLVSOD\ FDQ UHFHLYH WKHVH PHVVDJHV <RX FDQ UHFHLYH XS WR PHVVDJHV 6HQGLQJ PHVVDJHV 3UHVV IXQFWLRQ NH\ ) ´0HVVDJHVµ ,Q WKH ZLQGRZ \RX PD\ VHH PHVVDJHV DOUHDG\ VHW XS E\ \RXU GHDOHU 8VH WKH ´&XUVRU GRZQµ NH\ WR VHOHFW RQH <RX FDQ DOVR ZULWH D QHZ PHVVDJH RI \RXU RZQ HJ µ7LPH WR JR KRPHµ WR 6HQG PHVVDJH WR 0HVVDJH WR DOO VXEV WR FDOOHU 'HOHWH GHVWLQDWLRQ (QG 6HQG PHVVDJH WR 0HVVDJH VHQGLQJ (QWHU WKH GHVLUHG QRWLFH WH[W 7KHQ VHOHFW ZKR \RX ZDQW WR VHQG WKH QR WLFH WR HYHU\ FDOOHU ZKR GRHV QRW UHDFK \RX D VSHFLILF VXEVFULEHU DOO VXEVFULEHUV 6HOHFW WKH UHTXLUHG PHQX LWHP HJ ´6HQG PHVVDJH WRµ (QWHU WKH UHTXLUHG VXEVFULEHU·V QXPEHU <RXU PHVVDJH LV VHQW DQG DSSHDUV RQ WKH UHFLSLHQW·V GLVSOD\ 1RWH 2QFH \RX VHOHFW D UHFLSLHQW WKH WH[W µ0HV VDJH VHQGLQJµ ZLOO DSSHDU IRU VHYHUDO VH FRQGV DV FRQILUPDWLRQ ,I \RX GHFLGH QRW WR VHQG WKH PHVVDJH SUHVV WKH ´'LVFRQQHFWµ NH\ $GYDQFHG IXQFWLRQV 6HQGLQJ DQG UHFHLYLQJ WH[W PHVVDJHV * 'LVSOD\LQJ DQG GHOHWLQJ PHVVDJHV 7HOHSKRQH VWDWXV 3DUW\ 7KH VHQGHU·V QXPEHU DQG WKH WH[W RI WKH PHVVDJH DUH VKRZQ RQ \RXU LGOH GLVSOD\ 3DUW\ 6HOHFW WKH PHVVDJH 'HOHWH 6HOHFW WKH PHQX LWHP ´'HOHWHµ 7KH PHVVDJH LV GHOHWHG $GYDQFHG IXQFWLRQV (QWHULQJ DSSRLQWPHQWV <RX FDQ SURJUDP \RXU SKRQH WR UHPLQG \RX RI LPSRUWDQW DSSRLQWPHQWV <RX FDQ HQWHU XS WR WKUHH DSSRLQWPHQWV HDFK RI ZKLFK FDQ EH SURJUDPPHG DV D RQHRII UHPLQGHU D GDLO\ UHPLQGHU RU D UHPLQGHU IRU D FHUWDLQ GD\ RI WKH ZHHN (QWHULQJ DSSRLQWPHQWV 6HOHFW WKH GHVLUHG PHQX LWHP $SSRLQWPHQWV $SSW 7H[W 7KH ILUVW DSSRLQWPHQW LV GLVSOD\HG ''00 KKPP 'DWH7LPH HJ HJ ´-DQH·V ELUWKGD\µ :HHNGD\7LPH HJ HJ (QG 6D 6X ´%UHDNµ 6LQJOH DSSRLQWPHQW IRU WRGD\ 3UHVV WKH ´6WDUµ NH\ DQG HQWHU WKH WLPH GLJLWV 2QHRII DSSRLQWPHQW ,I \RX ZDQW WR EH UHPLQGHG RI DQ DSSRLQW PHQW RQ D VSHFLILF GDWH VHOHFW WKH PHQX LWHP ´'DWH7LPHµ (QWHU WKH GD\ DQG PRQWK GLJLWV (QWHU WKH WLPH GLJLWV (QWHU WKH WH[W IRU DQ DSSRLQWPHQW HJ ´-DQH·V ELUWKGD\µ 5HFXUULQJ DSSRLQWPHQW ,I \RX ZLVK WR HQWHU D UHFXUULQJ DSSRLQWPHQW VHOHFW WKH PHQX LWHP ´:HHNGD\7LPHµ 3UHVV WKH VRIWNH\ IRU WKH ZHHNGD\ RQ ZKLFK \RXU WHOHSKRQH VKRXOG QRW LVVXH D UHPLQGHU HJ ´6Dµ DQG ´6Xµ (QWHU WKH WLPH GLJLWV (QWHU D WH[W IRU \RXU DSSRLQWPHQW HJ ´%UHDNµ 6HOHFW WKH PHQX LWHP ´(QGµ WR FRQILUP \RXU DSSRLQWPHQW HQWU\ $GYDQFHG IXQFWLRQV (QWHULQJ DSSRLQWPHQWV * $SSRLQWPHQW PHVVDJH <RXU WHOHSKRQH ULQJV DQG WKH PHVVDJH DSSHDUV RQ WKH GLVSOD\ DW WKH VSHFLILHG WLPH 7HOHSKRQH VWDWXV $SSW %UHDN (QWHU 7R DFNQRZOHGJH WKH DSSRLQWPHQW VHOHFW LW IURP WKH LGOH GLVSOD\ 'HOHWLQJ DSSRLQWPHQWV $SSRLQWPHQWV 6HOHFW WKH GHVLUHG PHQX LWHP 1H[W DSSRLQWPHQW 6HOHFW WKH DSSRLQWPHQW \RX ZLVK WR GHOHWH 'HOHWH 6HOHFW WKH ´'HOHWHµ PHQX LWHP 7KH DSSRLQWPHQW LV GHOHWHG $GYDQFHG IXQFWLRQV 1LJKW VHUYLFH <RX FDQ VHOHFW WKUHH GLIIHUHQW QLJKW VHUYLFH JURXSV 7KHVH JURXSV DUH VHW XS E\ \RXU GHDOHU $FWLYDWLQJ QLJKW VHUYLFH 1LJKW VHUYLFH 6HOHFW WKH GHVLUHG PHQX LWHP 1LJKW VHUYLFH 6HOHFW WKH UHTXLUHG QLJKW VHUYLFH HJ ´1LJKW VHUYLFH µ ([WHUQDO FDOOV DUH QRZ GLYHUWHG WR 1LJKW VHUYLFH VXEVFULEHUV 7HOHSKRQH VWDWXV 1LJKW VHUYLFH 2Q %\ ZD\ RI D FKHFN WKH PHVVDJH ´1LJKW VHUYLFH µ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´3KRQH ORFNHGµ DSSHDUV LQ WKH LGOH GLVSOD\ DV D PHDQV RI FKHFNLQJ <RX FDQ VWLOO GLDO HPHUJHQF\ FDOO QXPEHUV DQG LQWHUQDO H[WHQVLRQ QXPEHUV DQG DOVR UHFHLYH FDOOV 8QORFNLQJ \RXU WHOHSKRQH 3KRQH ORFNHG 2Q WKH LGOH GLVSOD\ VHOHFW WKH PHQX LWHP ´3KRQH ORFNHGµ (QWHU \RXU 3,1 <RX FDQ QRZ XVH \RXU WHOHSKRQH DJDLQ DV XVXDO &KDQJLQJ \RXU 3,1 6RIWZDUH ORFN 6HOHFW WKH GHVLUHG PHQX LWHP 6HW 3,1 (QWHU \RXU FXUUHQW GLJLW 3,1 (QWHU WKH QHZ 3,1 7KH QHZ 3,1 LV QRZ VWRUHG $GYDQFHG IXQFWLRQV &DOOLQJ IURP ORFNHG WHOHSKRQHV <RX FDQ PDNH H[WHUQDO FDOOV IURP DQ\ WHOHSKRQH ZLWKLQ WKH DXWKRULVDWLRQ OLPLWV VSH FLDOO\ VHW XS IRU \RX ZLWK D 3,1 FRGH 0DNLQJ H[WHUQDO FDOOV RQ D ORFNHG WHOHSKRQH /LIW KDQGVHW DQG ZDLW IRU GLDO WRQH 'LDO ´µ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´&RGHµ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·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´+DQGVIUHHµ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´RQµ ´+DQGVIUHHµ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·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´6RIWZDUH ORFNµ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´DFRXVWLFVFRQWUDVWµ PHQX S ,QWHUQDO DQG H[WHUQDO FDOO WRQHV 1RUPDO H[WHUQDO FDOO ULQJLQJ WRQH \RX FDQ VZLWFK WKLV WRQH RII 1RUPDO LQWHUQDO FDOO ULQJLQJ WRQH \RX FDQ VZLWFK WKLV WRQH RII 5LQJLQJ WRQH LQ WKH FDVH RI D FDOO UHWXUQHG DIWHU DQ XQVXFFHVVIXO WUDQVIHU $GGLWLRQDO FDOO GXULQJ D FRQYHUVDWLRQ FDOO ZLWK ´+DQGVIUHH DQVZHUEDFNµ VZLWFKHG RQ 6LPXOWDQHRXV DQQRXQFHPHQW WR D QXPEHU RI VXEVFULEHUV $SSRLQWPHQW VLJQDO \RX FDQ VZLWFK WKLV WRQH RII +DQGVHW WRQHV 7RQH GXULQJ D FXWLQ FRQQHFWLRQ ,I LQ GRXEW ORRN LW XS ,I VRPHWKLQJ GRHV QRW ZRUN :URQJ GDWH DQG WLPH GLVSOD\HG 6HW WKH FRUUHFW GDWH DQG WLPH LQ WKH ´3URJUDPPLQJ 'DWH7LPHµ PHQX 7KLV IXQFWLRQ PXVW EH HQDEOHG E\ \RXU GHDOHU 8QNQRZQ PHVVDJH RQ GLVSOD\ 6HH WKH FKDSWHU ´0HQX LWHPV DQG PHVVDJHV RQ WKH GLVSOD\µ S WR ILQG RXW ZKDW WKH PHVVDJH PHDQV 7KH QXPEHU RI D FDOOHU LV QRW GLVSOD\HG &DOO ZDV WUDQVIHUUHG ZLWKRXW D QXPEHU HJ DQ DQDORJ FDOOHU RU FDOOHU KDV GLVDEOHG WKH QXPEHU GLVSOD\ $ IXQFWLRQ LV QRW H[HFXWHG ,W LV SRVVLEOH WKDW WKLV IXQFWLRQ KDV WR EH HQDEOHG E\ \RXU GHDOHU )XQFWLRQV ZKLFK KDYH QRW EHHQ HQDEOHG DUH IODJJHG ZLWK S $ VWRUHG DSSRLQWPHQW ZDV QRW WULJJHUHG &KHFN LI WKH GDWH DQG WLPH GLVSOD\ LV FRUUHFW 1R LQWHUQDO FDOOV FDQ UHDFK \RX &KHFN LQ WKH ´6HWWLQJVµ PHQX ZKHWKHU \RX KDYH DFWLYDWHG ´'R QRW GLVWXUEµ ,I LQ GRXEW ORRN LW XS 8VLQJ WKH '66 PRGXOH <RXU GHDOHU FDQ FRQQHFW XS WR '66 PRGXOHV WR \RXU WHOHSKRQH IRU \RX (DFK '66 'LUHFW 6WDWLRQ 6HOHFW PRGXOH KDV NH\V ZKLFK \RXU GHDOHU FDQ DVVLJQ WR SDUWQHUV DQG GHVWLQDWLRQV IRU \RX .H\V RQ WKH '66 PRGXOH .H\V ZLWK /('V /DEHOLQJ VWULSV $VVLJQPHQW RI '66 NH\V <RXU GHDOHU FDQ VHW XS WKH '66 NH\V DF FRUGLQJ WR \RXU UHTXLUHPHQWV 7KH IROORZLQJ GHVWLQDWLRQV DQG IXQFWLRQV DUH DYDLODEOH 3DUWQHU QXPEHUV ,QGLYLGXDO FRGH GLDO QXPEHUV ([FKDQJH OLQHV )XQFWLRQV HJ GRRU RSHQHUV FDOO GLYHU VLRQ RU KRWHO IXQFWLRQV @S II $OSKDEHWLF NH\ERDUG 7KH ILUVW '66 PR GXOH ZKLFK LV FRQQHFWHG WR \RXU WHOH SKRQH FDQ EH DGGLWLRQDOO\ DVVLJQHG ZLWK OHWWHUV :KHQHYHU \RX FDQ HQWHU GLVSOD\ WH[W HJ DSSRLQWPHQWV WKH DOSKDEHWLF NH\ERDUG LV DYDLODEOH WR \RX RQ WKH '66 PRGXOH @S ,I LQ GRXEW ORRN LW XS 8VLQJ WKH '66 PRGXOH <RX FDQ WHOHSKRQH DV XVXDO 7KH '66 PRGXOH PDNHV GLDOLQJ HDVLHU IRU \RX 7KH /(' LQ HDFK GHVWLQDWLRQ NH\ VKRZV ZKHWKHU WKH FRUUHVSRQGLQJ FRQQHFWLRQ LV IUHH RU EXV\ 8VLQJ WKH '66 PRGXOH /LIW KDQGVHW DQG ZDLW IRU GLDO WRQH HJ HJ / ,I QHFHVVDU\ SUHVV WKH OLQH NH\ WR VHL]H D OLQH RU SUHVV WKH UHTXLUHG '66 NH\ -RKQ :KDW GRHV DQ /(' VKRZ" /(' &RQQHFWLRQ RII RQ )ODVKLQJ VORZO\ )UHH LGOH VWDWXV %XV\ ,QWHUQDO FDOOOLQH RQ KROG ([WHUQDO FDOO )ODVKLQJ TXLFNO\ ,I LQ GRXEW ORRN LW XS 8VLQJ WKH '66 PRGXOH * <RX FDQ KDYH WKH ILUVW '66 PRGXOH RQ \RXU WHOHSKRQH DGGLWLRQDOO\ DVVLJQHG ZLWK DQ DOSKDEHWLF NH\ERDUG :KHQHYHU \RX FDQ HQWHU GLVSOD\ WH[W WKLV DOSKDEHWLF NH\ERDUG LV DXWRPDWLFDOO\ PDGH DYDLODEOH (QWHULQJ WH[W ZLWK WKH '66 PRGXOH $SSW (3 $ + % , HJ & - ' . 0 ( / ( ) 0 * 1 ( 7 E ::: <RX ZLVK WR HQWHU WKH WH[W IRU DQ DSSRLQW PHQW IRU H[DPSOH 7KH DOSKDEHWLF NH\ERDUG LV DXWRPDWLFDOO\ DFWLYDWHG ZKHQ WKH ILUVW '66 PRGXOH LV FRQQHFWHG 7KH OHWWHUV DUH QRZ ´VXSHULP SRVHGµ RQ WKH RWKHU IXQFWLRQV RI WKLV '66 PRGXOH ZKLFK EHFRPH WHPSRUDULO\ XQDYDL ODEOH (QWHU WKH UHTXLUHG WH[W ZLWK WKH '66 NH\V HJ ´0HHWLQJµ $VVLJQPHQW RI NH\V RQ WKH '66 PRGXOH :LWK WKH '66 PRGXOH \RX FDQ RQO\ HQWHU XSSHU FDVH OHWWHUV $ % & ' ( ) )RU ORZHU FDVH OHWWHUV WKH WHOHSKRQH GLV SOD\ NH\V DUH DYDLODEOH DV XVXDO * + , . / 0 1 2 3 4 5 6 7 8 9 : ; < = C < b g h 6SDFH 8 (QWHU ,Q DGGLWLRQ WR WKH OHWWHU NH\V WKH '66 PR GXOH DOVR KDV WKH IROORZLQJ NH\V ´3HULRGµ DQG ´&RPPDµ NH\V IRU HQWHULQJ WKHVH WZR SXQFWXDWLRQ PDUNV 6SDFH NH\ ´6SDFHµ LQVHUWV D VSDFH FKD UDFWHU ´Cµ DQG ´8µ NH\V IRU VFUROOLQJ WKURXJK WH[W OLQHV ´<µ NH\ GHOHWHV WKH ODVW FKDUDFWHU JRLQJ EDFNZDUGV ´(QWHUµ NH\ IRU FRQILUPLQJ DQG VDYLQJ \RXU HQWU\ ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV )RU KRWHO IXQFWLRQV \RXU GHDOHU FDQ FRQQHFW XS WR '66 PRGXOHV <RX FDQ DOVR FRQQHFW D SULQWHU WR \RXU WHOHSKRQH V\VWHP IRU SULQWLQJ RXW FKDUJHV DQG DODUP FDOOV +RWHO IXQFWLRQV RQ WKH '66 PRGXOH <RX FDQ KDYH \RXU GHDOHU VHW XS '66 PRGXOHV DV KRWHO WHUPLQDOV 7KHQ \RX FDQ FKHFN LQ FKHFN RXW JXHVWV GLVSOD\ SULQW RU GHOHWH WHOHSKRQH FKDUJHV DFWLYDWH WKH FKDUJH OLPLW IRU HDFK JXHVW VHQG D PHVVDJH WR D URRP WR QRWLI\ WKH JXHVW WKDW D PHVVDJH LV ZDLWLQJ DW UHFHSWLRQ GLVDEOH DQG HQDEOH GLUHFW LQZDUG GLDOLQJ '', WR URRPV VHW ZDNHXSDODUP FDOOV VWRS D JXHVW IURP EHLQJ FDOOHG E\ RWKHU URRP WHOHSKRQHV ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ DFWLYDWH KRWHO IXQFWLRQV XVLQJ WKH ILUVW URZ RI NH\V RQ WKH '66 PRGXOH :KDW IXQFWLRQV GR WKH NH\V KDYH RQ '66 PRGXOHV" '', RQRII &KHFN LQ&KHFN RXW 0HVVDJH *XHVWWRJXHVW EDU &KDUJH OLPLW ([LW 2WKHU NH\V GHVWLQDWLRQ NH\V IRU JXHVWV &KHFN LQ&KHFN RXW IRU SUHSDULQJ DQG PDNLQJ D FKHFN LQ RU FKHFN RXW ',' 'LUHFW ,QZDUG 'LDOLQJ EDU WKH URRP WHOHSKRQH FDQQRW EH FDOOHG E\ GLUHFW LQZDUG GLDOLQJ 0HVVDJH IRU VHQGLQJ D PHVVDJH WR D URRP *XHVWWRJXHVW EDU WKH JXHVW FDQQRW EH FDOOHG IURP DQRWKHU URRP WHOHSKRQH &KDUJH OLPLW 7KH JXHVW FDQ RQO\ WHOH SKRQH XS WR WKH VHW FKDUJH OLPLW ([LW WR UHWXUQ WR WKH EXV\ GLVSOD\ RQ WKH '66 PRGXOH ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ FRPSOHWH D FKHFN LQ DQG FKHFN RXW 0DNLQJ D FKHFN LQ 3UHVV WKH ´&KHFN LQµ NH\ &KHFN ,Q HJ 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 7KH VHOHFWHG JXHVW UHFHLYHV IXOO DXWKRUL]DWLRQ WR GLDO RXW 7KH WHOHSKRQH FKDUJHV PHPRU\ IRU WKH URRPSUHYLRXV JXHVW LV GHOHWHG 7KH NH\ OLJKWV XS 3UHSDULQJ D FKHFN RXW 3UHVV WKH ´&KHFN RXWµ NH\ &KHFN RXW HJ 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 0DNLQJ D FKHFN RXW ::: HJ &KHFN RXW &KHFN RXW ([LW 3UHSDUH WKH FKHFN RXW LQ WKH ZD\ GHVFULEHG 3UHVV WKH ´&KHFN RXWµ NH\ DQG WKH UHTXLUHG URRP NH\ DJDLQ 7KH NH\ LV QR ORQJHU OLW XS DQG WKH JXHVW KDV FKHFNHG RXW 7KLV DOVR GHOHWHV DQ\ PHVVDJHV DODUP FDOOV GLYHUWHG FDOOV RU FDOOEDFNV IRU WKLV JXHVW '', SUHYHQWLRQ LV VZLWFKHG RQ 7KH SKRQH LQ WKH VHOHFWHG URRP LV VZLWFKHG WR ´VHPLDXWKRUL]HGµ <RX FDQ PDNH QR PRUH RXWJRLQJ FDOOV RYHU WKH H[FKDQJH OLQH IURP WKLV WHOHSKRQH <RX FDQ VWLOO UHFHLYH FDOOV RQ H[FKDQJH OLQHV ,I QHFHVVDU\ FRPSOHWH D FKHFN RXW IRU IXUWKHU JXHVWV 3UHVV WKH ´([LWµ NH\ WR HQG D FKHFN RXW SURFHGXUH ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ GLVSOD\ SULQW DQG GHOHWH \RXU JXHVWV· WHOHSKRQH FKDUJHV <RXU GHDOHU FDQ FRQQHFW D SULQWHU WR \RXU WHOHSKRQH V\VWHP IRU SULQWLQJ RXW FKDUJHV 'LVSOD\LQJ FDOO FKDUJHV ::: &KDUJHV HJ &KDUJHV 7RWDO VXEV 'HOHWH FDOO FKDUJHV 3UHSDUH D FKHFN RXW DV GHVFULEHG $ URRP NH\ ZLOO IODVK LI WHOHSKRQH FKDUJHV KDYH EHHQ LQFXUUHG 1RWH ,I QR WHOHSKRQH FKDUJHV KDYH EHHQ LQFXUUHG WKH /(' JRHV RXW 7KH FKHFN RXW LV FRQFOXGHG 6HOHFW WKH ´&KDUJHVµ PHQX LWHP 3UHVV WKH UHTXLUHG URRP NH\ DJDLQ HJ 5RRP 7KH FKDUJHV IRU WKLV URRP ZLOO EH GLVSOD\HG <RX PD\ QRZ SULQW RXW WKHVH FKDUJHV GHOHWH WKHVH FKDUJHV 3ULQWLQJ FKDUJHV 6HOHFW WKH UHTXLUHG PHQX LWHP HJ ´7RWDO VXEVµ JLYHV WKH WRWDO FKDUJHV IRU D VXEVFULEHU 7KH FKDUJHV ZLOO EH SULQWHG RXW RQ WKH SULQWHU ZKLFK LV FRQQHFWHG 'HOHWH FDOO FKDUJHV 6HOHFW WKH UHTXLUHG PHQX LWHP 7KH FKDUJHV IRU WKH VHOHFWHG URRP ZLOO EH GHOHWHG 3UHVV WKH ´'LVFRQQHFWµ NH\ <RX FDQ QRZ FRPSOHWH WKH FKHFN RXW IRU WKLV JXHVW ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX PD\ VHQG D PHVVDJH WR \RXU JXHVWV 6HQGLQJ D PHVVDJH WR JXHVWV <RX FDQ VHQG JXHVWV D PHVVDJH RQ WKH GLVSOD\ RI WKH WHOHSKRQH LQ WKHLU URRPV 3UHVV WKH ´0HVVDJHµ NH\ 0HVVDJH HJ ([LW 3UHVV WKH NH\ IRU WKH UHTXLUHG URRP HJ 5RRP 7KH ZRUG ´0HVVDJHµ DSSHDUV RQ WKH GLVSOD\ RI WKH WHOHSKRQH VHOHFWHG ,I WKH WHOHSKRQH GRHV QRW KDYH D GLVSOD\ WKH /(' ZLOO EH VZLWFKHG RQ 3UHVV WKH ´([LWµ NH\ WR HQG WKH SURFHGXUH 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUDWLRQ ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ EDU GLUHFW LQZDUG GLDOLQJ WR URRPV %DUULQJ GLUHFW LQZDUG GLDOLQJ WR URRPV <RX FDQ EDU GLUHFW LQZDUG GLDOLQJ WR URRPV 3UHVV WKH ´','µ NH\ ',' HJ ([LW 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 7KH NH\ OLJKWV XS 7KLV URRP WHOHSKRQH FDQ QRZ QR ORQJHU EH FDOOHG E\ GLUHFW LQZDUG GLDOLQJ 3UHVV WKH ´([LWµ NH\ WR HQG WKH SURFHGXUH 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUDWLRQ (QDEOLQJ GLUHFW LQZDUG GLDOLQJ DJDLQ <RX FDQ HQDEOH GLUHFW LQZDUG GLDOLQJ WR URRPV DJDLQ 3UHVV WKH ´','µ NH\ ',' HJ ([LW .H\V RI URRPV WKDW FDQQRW EH FDOOHG E\ GLUHFW LQZDUG GLDOLQJ ZLOO OLJKW XS 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 7KH NH\ LV QR ORQJHU OLW XS $Q\ FDOOHU FDQ GLDO GLUHFW WR WKH URRP WHOHSKRQH 3UHVV WKH ´([LWµ NH\ WR HQG WKH SURFHGXUH 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUDWLRQ ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ VWRS D JXHVW IURP EHLQJ FDOOHG IURP RWKHU URRP WHOHSKRQHV 6HWWLQJ XS D JXHVWWRJXHVW EDU <RX FDQ VWRS D JXHVW IURP EHLQJ FDOOHG IURP DQRWKHU URRP WHOHSKRQH 3UHVV WKH ´*XHVWWRJXHVW EDUµ NH\ *XHVWWRJXHVW EDU HJ ([LW 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 7KH NH\ OLJKWV XS 7KLV URRP WHOHSKRQH FDQ QRZ QR ORQJHU EH FDOOHG E\ RWKHU URRP WHOHSKRQHV 3UHVV WKH ´([LWµ NH\ WR HQG WKH SURFHGXUH 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUDWLRQ 5HPRYLQJ D JXHVWWRJXHVW EDU *XHVWWRJXHVW EDU HJ ([LW <RX FDQ UHPRYH D JXHVWWRJXHVW EDU IRU D URRP WHOHSKRQH 3UHVV WKH ´*XHVWWRJXHVW EDUµ NH\ .H\V RI URRPV WKDW FDQQRW EH FDOOHG E\ RWKHU JXHVWV ZLOO OLJKW XS 3UHVV WKH UHTXLUHG URRP NH\ HJ 5RRP 7KH NH\ LV QR ORQJHU LOOXPLQDWHG (YHU\ RWKHU JXHVW FDQ GLDO WKH URRP KDQGVHW GLUHFWO\ 3UHVV WKH ´([LWµ NH\ WR HQG WKH SURFHGXUH 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUDWLRQ ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV 7KH FKDUJH OLPLW IRU HDFK JXHVW FDQ EH GHWHUPLQHG LQ \RXU WHOHSKRQH V\VWHP <RX FDQ LQGLYLGXDOO\ VZLWFK WKLV FKDUJH OLPLW RQ DQG RII IRU HDFK JXHVW $ JXHVW FDQ WKHQ PDNH FDOOV XQWLO WKH VHW FKDUJH OLPLW LV H[FHHGHG 6ZLWFKLQJ RQ FKDUJH OLPLW <RX FDQ HQVXUH WKDW D JXHVW FDQ RQO\ SKRQH XS WR WKH VHW FKDUJH OLPLW 3UHVV ´&KDUJH OLPLWµ NH\ &KDUJH OLPLW HJ ([LW 3UHVV WKH NH\ IRU WKH UHTXLUHG URRP HJ 5RRP 7KH NH\ LV LOOXPLQDWHG 7KH JXHVW FDQ QRZ RQO\ WHOHSKRQH XS WR WKH VHW FKDUJH OLPLW 3UHVV WKH ´([LWµ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´&KDUJH OLPLWµ NH\ &KDUJH OLPLW HJ ([LW 7KH NH\V IRU WKH URRPV IRU ZKLFK WKH FKDUJH OLPLW LV DFWLYDWHG DUH LOOXPLQDWHG 7KH NH\V IRU WKH URRPV ZKLFK KDYH UHDFKHG WKH FKDUJH OLPLW VWDUW IODVKLQJ 3UHVV WKH NH\ IRU WKH UHTXLUHG URRP HJ 5RRP 7KH NH\ LV QR ORQJHU LOOXPLQDWHG RU IODVKHV 7KH JXHVW FDQ QRZ WHOHSKRQH DJDLQ ZLWKRXW UHVWULFWLRQV 3UHVV WKH ´([LWµ NH\ WR TXLW 7KH '66 PRGXOH UHWXUQV WR QRUPDO RSHUD WLRQ 1RWH ,I \RX FDQFHO WKH FKDUJH IRU WKH JXHVW WKH FKDUJH OLPLW IRU WKLV URRP UHFHLYHU LV DXWR PDWLFDOO\ VZLWFKHG RII ,I LQ GRXEW ORRN LW XS 8VLQJ KRWHO IXQFWLRQV <RX FDQ KDYH \RXU JXHVWV ZRNHQ E\ WKH URRP KDQGVHW <RX FDQ HQWHU XS WR WLPHV IRU HDFK JXHVW :DNLQJ JXHVWV $SSRLQWPHQW IRU RWKHUV $SSW *RRG PRUQLQJ ''00 KKPP (QG 6HOHFW PHQX LWHP ´$SSRLQWPHQW IRU RWKHUVµ (QWHU WKH FDOO QXPEHU RI WKH UHTXLUHG URRP 7KH ILUVW DSSRLQWPHQW LV GLVSOD\HG <RX FDQ QRZ HQWHU WKH GDWH DQG DODUP WLPH IRXU ILJXUHV LQ HDFK FDVH <RXU GHDOHU ZLOO EH SOHDVHG WR HQWHU WKH WH[W RI \RXU FKRLFH IRU DODUP FDOOV 1RWH <RX FDQ DOVR HQWHU D WH[W \RXUVHOI S 6HOHFW WKH PHQX LWHP ´([LWµ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´'HOHWHµ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·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² &DOO GLYHUVLRQ &DOO OLVW ² ',' 'LUHFW LQZDUG GLDOLQJ EDU 'LUHFW LQZDUG GLDOLQJ EDU 'LVSOD\ 6HWWLQJV 'LVSOD\ NH\V &DOO SLFNXS 'LVSOD\ PHVVDJHV &DOO UHWXUQHG 'R QRW GLVWXUE &DOO ZDLWLQJ '66 PRGXOH KRWHO IXQFWLRQV NH\V /('V &DOO QXPEHU VWRULQJ &DOOEDFN &DOOLQJ EXV\ IURP WKH FDOO OLVW IURP WKH WHOHSKRQH GLUHFWRU\ SDUWQHU '660RGXO (QWHULQJ WH[W (GLWLQJ (QWHULQJ WH[W ,I LQ GRXEW ORRN LW XS ,QGH[ ([WHUQDO FDOOV )XQFWLRQ NH\V DVVLJQLQJ ² )XQFWLRQV RYHUYLHZ VHOHFWLQJ ² *HQHUDO FDOO *URXS 3LFN 8S *XHVWWRJXHVWEDU +DQGVIUHH VHWWLQJV +DQGVIUHH $QVZHU %DFN +HOS +RWHO IXQFWLRQV DODUP FDOO RUGHU &KDUJH OLPLW FKHFN LQ FKHFN RXW GHOHWLQJ FDOO FKDUJHV 'LUHFW LQZDUG GLDOLQJ EDU GLVSOD\LQJ FDOO FKDUJHV H[LW *XHVWWRJXHVWEDU PHVVDJH RYHUYLHZ SULQWLQJ FDOO FKDUJHV UHWXUQ WR EXV\ GLVSOD\ 5HWXUQ WR HQJDJHG GLVSOD\ ² +XQW JURXS ,GOH GLVSOD\ ,QVHUW VWULSV ,QWHUQDO FDOOV .H\V /DQJXDJH /LQH /RFDWLQJ \RXU WHOHSKRQH /RFDWLRQ /RFN /RFNLQJ WKH SKRQH 0HQX VHOHFW IXQFWLRQV 0HQX LWHPV 0HVVDJH 0HVVDJHV GHOHWH GLVSOD\ RQ WKH GLVSOD\ VHQGLQJ 0RQLWRULQJ 1LJKW VHUYLFH 1RWH 2YHUYLHZ KRWHO IXQFWLRQV RQ WKH '66 PRGXOH 3DUWQHU FDOOLQJ GLVSOD\ 3DUWQHUEHHS 3LFN 8S 3,1 5HFHLYLQJ FDOOV 5HGLDO FDOO VWRUH 5HIHUEDFN 5HSDLUV ,I LQ GRXEW ORRN LW XS ,QGH[ * 5LQJLQJ WRQH 5XOHV RI XVH ² 6HWWLQJV 6RIWZDUH ORFN 6WDWXV 6WRUH GHVWLQDWLRQV ² 6ZLWFK 6\PEROV RQ WKH GLVSOD\ 7HOHSKRQH GLUHFWRU\ GLDOLQJ FDOO QXPEHUV VWRULQJ FDOO QXPEHUV 7HOHSKRQH VHWWLQJV 7HOHSKRQH VWDWXV 7H[W 7RJJOH 7UDQVIHU 7UDQVIHUULQJ FDOOV 7URXEOHVKRRWLQJ 9ROXPH /RXGVSHDNHU 5HFHLYHU 5LQJLQJ WRQH 5REHUW %RVFK $* *HVFKlIWVEHUHLFK .RPPXQLNDWLRQVWHFKQLN $XVWULD +LHW]LQJHU .DL $ :LHQ 7HOHSKRQH )D[ 5REHUW %RVFK ,QGXVWULDOH H &RPPHUFLDOH 6S$ ,WDO\ 9LD 0 $ &RORQQD , 0LODQR 7HOHSKRQH )D[ 19 5REHUW %RVFK 6$ %HOJLXP 5XH +HQUL *HQHVVH % %UX[HOOHV 7HOHSKRQH )D[ 5REHUW %RVFK %9 1HWKHUODQGV 1HSWXQXVVWUDDW 1/ -3 +RRIGGRUS 7HOHSKRQH )D[ 5REHUW %RVFK (VSDxD 6$ 9HQWDV 7HOHFRPXQLFDFLyQ &DUUHWHUD 19, .0 ( /DV 5R]DV 0DGULG 7HOHSKRQH )D[ 5REHUW %RVFK $* .RPPXQLNDWLRQVWHFKQLN 6ZLW]HUODQG +RKOVWUDVVH &+ =ULFK 7HOHSKRQH )D[ %RVFK 7pOpFRP 6$ )UDQFH %XUHDX[ GX 3DUF 5XH GH OD 3ULQFHVVH ) /RXYHFLHQQHV 3DULV 7HOHSKRQH )D[ %RVFK 7HOHFRP /WG *UHDW %ULWDLQ %URDGZDWHU 3DUN 1RUWK 2UELWDO 5RDG 'HQKDP 8[EULGJH 0LGG[ 8% +7HOHSKRQH )D[ :HEVLWH ZZZERVFKWHOHFRPFRXN %RVFK 7HOHFRP *PE+ .OH\HUVWUDH ' )UDQNIXUW0DLQ 7HOHSKRQH )D[ KWWSZZZERVFKWHOHFRPGH HPDLO LQIRVHUYLFH#ERVFKFRP G HY UH VHU VQ RLW DLF ILG R 0 UH SD SH HUI HQL UOR KF QR \Q DP UH *Q LG WHQL U3 (