Download Mitsubishi Trium Astral User Guide

‡1HWZRUN6HUYLFHV
‡$SSOLFDWLRQV
‡6HUYLFHVQXPEHUV
‡,QIRUPDWLRQQXPEHUV
‡9RLFH0DLO
‡&DOO
‡1XPEHU
‡$OHUW
‡3KRQH%RRN
‡5HFDOO
‡6WRUH
‡5HPDLQLQJ
‡2ZQQXPEHUV
‡)L[HGGLDOOLQJ
‡0HVVDJHV
‡,QER[
‡2XWER[
‡:ULWHQHZ
‡6HWWLQJV
‡$OHUW
‡&DOOV7LPHV
‡&DOOVORJ
‡&DOOWLPHUV
‡&DOOFRVWV
‡/LQHVHOHFWLRQ
‡*606HUYLFHV
‡&DOO'LYHUWLQJ
‡&DOO:DLWLQJ
‡6HQGLQJP\,'
‡5HFHLYLQJFDOOHU,'
‡1HWZRUN
‡&DOOEDUULQJ
‡&8*
‡%URDGFDVW
‡2Q2II
‡0HVVDJHW\SHV
‡$OHUW
‡6HWWLQJV
‡.H\SDGORFN
‡/DQJXDJH
‡7RQHV
‡'LVSOD\
‡.H\V
‡$XWRIHDWXUHV
‡6HFXULW\
‡'HIDXOWVHWWLQJV
‡2IILFH7RROV
‡6FUDWFKSDG
‡&XUUHQF\FRQYHUWHU
7KHDYDLODELOLW\DQGDSSHDUDQFHRIWKHVHIHDWXUHVLQWKHPHQXDUHGHSHQGHQWXSRQ
\RXUVXEVFULSWLRQDQGWKHVHUYLFHVSURYLGHGE\\RXUQHWZRUNRSHUDWRU
(1*/,6+
$675$/
0HQX0DS
5HPRYHWKLVFDUGIROGLWDQGSXWLWLQ\RXUZDOOHW
7XUQLQJ\RXUSKRQHRQRURII
0DNLQJDFDOO
$QVZHULQJDFDOO
(QGLQJDFDOO
$MXVWLQJWKHHDUSLHFHYROXPH
0XWLQJWKHLQFRPLQJULQJWRQH
7XUQLQJNH\ORFNRQRII
7XUQLQJWKHPLFURSKRQHRQRII
3UHVVDQGKROGGRZQ
(QWHUWKHQXPEHUDQGSUHVV
3UHVV
3UHVV
3UHVV
3UHVV
3UHVV/RFN8QORFN SOXV
3UHVV0XWH8QPXWH
%DVLFRSHUDWLRQV
$LGHPpPRLUH
*HQHUDORSHUDWLRQV
+ROGLQJUHWULHYLQJDFDOO
9LHZLQJWKHODVWGLDOOHGQXPEHUV
&DOOLQJWKHYRLFHPDLOFHQWUH
5HDGLQJDQHZ606PHVVDJH
&KRRVLQJDQRWKHUULQJWRQH
3UHVV
3UHVV DQGSUHVV RU
3UHVVDQGKROGGRZQ
3UHVV5HDG
6HOHFW5LQJWRQHIURPWKH6HWWLQJV
7RQHVPHQX3UHVV RU WR
FKRRVHWKHULQJWRQHDQGSUHVV
3KRQHERRNRSHUDWLRQV
6WRULQJDQXPEHU
'LDOOLQJDVWRUHGQXPEHU
3UHVV VHOHFW3KRQHERRN
VHOHFW6WRUHVHOHFW3KRQHQDPHV
RU6,0QDPHVHQWHUWKHQXPEHU
DQGQDPH
3UHVV VHOHFWWKHHQWU\
SUHVV
8VHU*XLGH
86(523(5$7,216
7KLVJXLGHGHVFULEHVWKHRSHUDWLRQRIWKH7ULXP
GXDOEDQG*60WHOHSKRQHWKH$675$/
(GLWLRQ
‹0LWVXELVKL(OHFWULF)UDQFH
:KLOVWHYHU\HIIRUWKDVEHHQPDGHWRHQVXUHWKHDFFXUDF\RIWKHLQVWUXFWLRQVFRQWDLQHG
LQWKLVJXLGH0LWVXELVKL(OHFWULFUHVHUYHVWKHULJKWWRPDNHLPSURYHPHQWVDQGFKDQJHV
WRWKHSURGXFWGHVFULEHGLQWKLVJXLGHDQGRUWRWKHJXLGHLWVHOIZLWKRXWSULRUQRWLFH
,QWURGXFWLRQ
7KDQN\RXIRUSXUFKDVLQJWKH7ULXP$VWUDOGXDOEDQGPRELOHWHOHSKRQH7KH
PRELOHWHOHSKRQHGHVFULEHGLQWKLVJXLGHLVDSSURYHGIRUXVHRQERWKWKH*60
DQGQHWZRUNV6HUYLFHVDQGGLVSOD\PHVVDJHVPD\EHGLIIHUHQW
GHSHQGDQWXSRQ\RXURSHUDWRUVLPSOHPHQWDWLRQ
$VZLWKDOOW\SHVRIUDGLRWUDQVFHLYHUVWKLVPRELOHWHOHSKRQHHPLWV
HOHFWURPDJQHWLFZDYHVDQGFRQIRUPVWRLQWHUQDWLRQDOUHJXODWLRQVLQVRIDUDV
LWLVXVHGXQGHUQRUPDOFRQGLWLRQVDQGLQDFFRUGDQFHZLWKWKHVDIHW\DQG
ZDUQLQJPHVVDJHVJLYHQEHORZDQGRQSDJHVDQG
*HQHUDOVDIHW\
,WLVLPSRUWDQWWRIROORZDQ\VSHFLDOUHJXODWLRQVUHJDUGLQJWKHXVHRIUDGLR
HTXLSPHQWGXHWRWKHSRVVLELOLW\RIUDGLRIUHTXHQF\5)LQWHUIHUHQFH3OHDVH
IROORZWKHVDIHW\DGYLFHJLYHQEHORZ
6ZLWFKRIISKRQHDQGUHPRYHWKHEDWWHU\ZKHQLQDQDLUFUDIW7KHXVH
RIPRELOHWHOHSKRQHVLQDQDLUFUDIWPD\HQGDQJHUWKHRSHUDWLRQRIWKH
DLUFUDIWGLVUXSWWKHFHOOXODUPRELOHSKRQHQHWZRUNDQGLVLOOHJDO)DLOXUH
WRREVHUYHWKLVLQVWUXFWLRQPD\OHDGWRVXVSHQVLRQRUGHQLDORIPRELOH
WHOHSKRQHVHUYLFHVWRWKHRIIHQGHURUOHJDODFWLRQRUERWK
6ZLWFKRIISKRQHZKHQDWDQ\UHIXHOOLQJSRLQWRUQHDULQIODPPDEOH
PDWHULDO
6ZLWFKRIISKRQHLQKRVSLWDOVDQGDQ\RWKHUSODFHZKHUHPHGLFDO
HTXLSPHQWPD\EHLQXVH
5HVSHFWUHVWULFWLRQVRQWKHXVHRIUDGLRHTXLSPHQWLQIXHOGHSRWV
FKHPLFDOSODQWVRUZKHUHEODVWLQJRSHUDWLRQVDUHLQSURJUHVV
7KHUHPD\EHDKD]DUGDVVRFLDWHGZLWKWKHRSHUDWLRQRISKRQHVFORVH
WRLQDGHTXDWHO\SURWHFWHGSHUVRQDOPHGLFDOGHYLFHVVXFKDVKHDULQJ
DLGVDQGSDFHPDNHUV&RQVXOW\RXUGRFWRURUWKHPDQXIDFWXUHUVRIWKH
PHGLFDOGHYLFHWRGHWHUPLQHLILWLVDGHTXDWHO\SURWHFWHG
2SHUDWLRQRISKRQHFORVHWRRWKHUHOHFWURQLFHTXLSPHQWPD\DOVRFDXVH
LQWHUIHUHQFHLIWKHHTXLSPHQWLVLQDGHTXDWHO\SURWHFWHG2EVHUYHDQ\
ZDUQLQJVLJQVDQGPDQXIDFWXUHUVUHFRPPHQGDWLRQV
$YRLGSURORQJHGFRQWDFWEHWZHHQWKHDQWHQQDDQG\RXUVNLQZKHQWKH
SKRQHLVVZLWFKHGRQ
7KLVDSSDUDWXVLVLQWHQGHGIRUXVHRQO\ZKHQVXSSOLHGZLWKSRZHUIURP
$&'&DGDSWRUFKDUJHUV)=$$)=$$)=$$RU)=$$
GHVNWRSFKDUJHU)=$$DQGYHKLFOHNLWV)=$$)=$$
)=$$)=$$)=$$8VHRIDQ\RWKHUFKDUJHURUDGDSWRUV
ZLOOLQYDOLGDWHDQ\DSSURYDOJLYHQWRWKLVDSSDUDWXVDQGPD\EHGDQJHURXV
7KHSKRQHDWJODQFH
/('
&DOO
DQG
EDWWHU\FKDUJH
LQGLFDWRU
+HDGVHWVRFNHW
&RQQHFWWKH
KHDGVHWKHUH
5HWUDFWDEOH
DQWHQQD
([WHQGWKH
DQWHQQDIXOO\
ZKHQPDNLQJ
RUUHFHLYLQJD
FDOO
(DUSLHFH
<RXFDQKHDU
WKHFDOOHU
VYRLFH
KHUH
*UDSKLFGLVSOD\
7HOHSKRQHQXP
EHUVPHQXVPHV
VDJHVHWFDUH
GLVSOD\HGKHUH
/HIWVRIWNH\
&DOO6(1'NH\
'LDOVGLVSOD\HG
QXPEHURUQDPH
DQGDQVZHUVFDOOV
$OSKDQXPHULFNH\V
WRHQWHUWH[WDQGWHOH
SKRQHQXPEHUV
0LFURSKRQH
5LJKW
VRIWNH\
&XUVRUNH\
1DYLJDWHV
DURXQGWKH
PHPRULHVDQG
PHQXV
2Q2II(1'NH\
+ROGGRZQWRWXUQ
RQRURIIWKH
SKRQH3UHVVWRHQG
DFDOORUUHWXUQWR
VWDQGE\GLVSOD\
6SHDNLQWRKHUH
$&'&FKDUJHU
VRFNHW
$FFHVVRULHV
VRFNHW
.H\SDGOD\RXW
/LVWRINH\V
6RIWNH\VRUVHOHFWLRQNH\V 3HUIRUPWKHIXQFWLRQVLQGLFDWHGE\WKHWH[WDERYHLW
(QG2Q2IINH\/RQJSUHVVWRWXUQWKHSKRQHRQRURII
3UHVVEULHIO\WRHQGRUUHMHFWDFDOO
6KRUWSUHVVGXULQJDPHQXRSHUDWLRQZLOOH[LWWRWKHVWDQGE\
GLVSOD\
6HQGNH\3UHVVWRPDNHRUDQVZHUDFDOO
3UHVVLQVWDQGE\GLVSOD\UHFDOOVODVWGLDOOHGQXPEHUV
&XUVRUNH\
3UHVVWRWKHOHIWWRYLHZWKHSKRQHERRNHQWULHVRUUHWXUQWRWKH
SUHYLRXVGLVSOD\
3UHVVWRWKHULJKWWRHQWHUWKHPDLQPHQXDQGRUVHOHFWDIHDWXUH
IURPGLVSOD\HGOLVW
6KRUWSUHVVXSZDUGVWRVFUROOXSWKHPHQXV3UHVVWRHQWHUYROXPH
DGMXVWPHQWPHQXIURPWKHVWDQGE\GLVSOD\
6KRUWSUHVVGRZQZDUGVWRVFUROOGRZQWKHPHQXV3UHVVWRHQWHU
DOHUWPRGHVHWWLQJIURPWKHVWDQGE\GLVSOD\
7KLVNH\LVDOVRXVHGLQ
(GLW0RGH
WRPRYHWKHFXUVRUWKURXJKWKH
GLVSOD\HGWH[W
$OSKDQXPHULFNH\V
(QWHUVQXPEHUVFKDUDFWHUVDQGSXQFWXDWLRQPDUNV
RUSUHVVDQGKROGGRZQWRFDOOWKHYRLFHPDLOQXPEHU
WR NH\V3UHVVDQGKROGWRVSHHGGLDOSUHIHUUHGQXPEHUV
RUSUHVVDQGKROGGRZQWRHQWHULQWHUQDWLRQDOSUHIL[
3
V\PERORU
B
XQGHUVFRUHZLOGFDUG
8VHGZLWKNH\SDGORFNVRIWNH\WRORFNXQORFNWKHNH\SDG
7DEOHRIFRQWHQWV
8VLQJWKLVJXLGH *HWWLQJVWDUWHG
3UHSDULQJWRPDNH\RXU
ILUVWFDOOV %DVLFRSHUDWLRQV 6DIHW\LQIRUPDWLRQ
9HKLFOHVDIHW\ &DUHDQGPDLQWHQDQFH <RXUUHVSRQVLELOLW\ 6HFXULW\FRGHV &RGHVXSSOLHGE\WKH
DLUWLPHVHUYLFHSURYLGHU &RGHVXSSOLHGE\WKH
PDQXIDFWXUHU (PHUJHQF\FDOOV 'LVSRVLQJRIZDVWH
SDFNDJLQJ 3UHSDULQJWKHSKRQH
IRURSHUDWLRQ 6,0FDUG %DWWHU\ %DVLFRSHUDWLRQV 7XUQLQJRQWKHSKRQHWKH
VWDQGE\GLVSOD\DQG
WXUQLQJRIIWKHSKRQH 0DNLQJDQGUHFHLYLQJ
FDOOV 8QDQVZHUHGFDOOYRLFH
PDLODQGQHZ606
PHVVDJHLQGLFDWRUV ,QFDOORSWLRQV
+ROGLQJDQGUHWULHYLQJ
DFDOO &DOOZDLWLQJVZDSSLQJ
DQGPXOWLSDUW\
FRQIHUHQFHFDOOV 7KHPHQX00,
V\VWHP
$FFHVVWRWKHPHQXV 0HQXPDS (QWHULQJWH[W 1HWZRUNVHUYLFHV 9RLFHPDLO 3KRQHERRN 0HVVDJHV606 &DOOV7LPHV *60VHUYLFHV %URDGFDVWFHOO
EURDGFDVW&%
PHVVDJHV 3KRQHVHWWLQJV
FXVWRPLVLQJ\RXU
SKRQH 8VLQJWKHRIILFHWRROV *60PDQPDFKLQH
LQWHUIDFHFRGHV $SSHQGL[
$FFHVVRULHVOLVW *ORVVDU\ 7URXEOHVKRRWLQJ (UURUPHVVDJHV *HQHUDORSHUDWLRQV
'LDOOLQJIURPPHPRU\ 6SHHGGLDOOLQJ 6LOHQWDOHUWPRGH 0XWLQJ 9ROXPHDGMXVWPHQW 6HQGLQJ'70)WRQHV 3DXVHIHDWXUH 8VLQJWKLVJXLGH
3OHDVHWDNHWLPHWRUHDGWKLVXVHUJXLGH,WFRQWDLQVDORWRIXVHIXOLQIRUPDWLRQ
DERXW\RXUSKRQHDQGWKHZD\WKDWLWRSHUDWHVRQWKHQHWZRUN7KH*60QHW
ZRUNLVQRZZRUOGZLGHDQGDOORZV\RXWRPDNHDQGUHFHLYHFDOOVWRDQGIURP
RWKHUFRXQWULHVFDOOHGURDPLQJDVLI\RXZHUHLQ\RXUKRPHFRXQWU\6RPH
IHDWXUHVLQFOXGHGLQWKLVJXLGHDUHFDOOHGQHWZRUNIHDWXUHVDQGDUHVXSSOLHG
E\VHUYLFHSURYLGHUV+RZHYHUEHIRUH\RXFDQWDNHDGYDQWDJHRUHYHQDFWL
YDWHPDQ\RIWKHQHWZRUNIHDWXUHVRIIHUHGE\WKHQHWZRUNV\RXPXVWVXE
VFULEHWRWKHVHUYLFHV\RXUHTXLUH)RUDIXOOOLVWDQGH[SODQDWLRQRIQHWZRUN
IHDWXUHVSOHDVHFRQVXOWZLWK\RXUVHUYLFHSURYLGHU
6RPHQHWZRUNVPD\SURYLGH\RXZLWK'DWD)D[VHUYLFHV7RXVHWKHVHVSH
FLDOVHUYLFHVWKH'DWD)D[NLWLVQHHGHGVHH´ $FFHVVRULHVOLVWµRQSDJH
)RUIXUWKHULQIRUPDWLRQSOHDVHUHIHUWRWKHLQVWUXFWLRQVFRQWDLQHGLQWKH'DWD
)D[NLWDQGRUFRQWDFW\RXUVHUYLFHSURYLGHUIRUGHWDLOV
8VLQJWKHNH\VWRIROORZWKHDFWLRQVGHVFULEHGLQWKLVJXLGH
7RKHOS\RXTXLFNO\XQGHUVWDQG\RXUZD\DURXQGWKLVPDQXDOZHKDYHXVHG
V\PEROVDQGH[SUHVVLRQVWKDWDUHSUHVHQWRQWKHNH\VDQGLQWKHGLVSOD\LWVHOI
PHDQVWKHOHIWVRIWNH\
PHDQVWKHULJKWVRIWNH\
PHDQVWKHULJKWDUURZRQWKHURXQGFXUVRU
PHDQVWKHOHIWDUURZRQWKHURXQGFXUVRU
PHDQVWKHXSDUURZRQWKHURXQGFXUVRU
PHDQVWKHGRZQDUURZRQWKHURXQGFXUVRU
PHDQVWKH6(1'NH\
PHDQVWKH(1'NH\
)XQFWLRQ
0HVVDJHV
PHDQVWKHVRIWNH\ZLWKWKHFRUUHVSRQGLQJIXQFWLRQQDPH
)RUH[DPSOH606 PHDQVSUHVVWKHVRIWNH\XQGHUWKHZRUG
606
ZRUGVVHHQLQWKLVIRUPDWDUHWKHDFWXDOZRUGVVHHQLQWKHGLV
SOD\
6HOHFW
PHDQVXVH DQG RQWKHURXQGFXUVRUNH\WRVFUROOWRWKHUH
TXLUHGLWHPLQWKHPHQXDQGYDOLGDWHE\SUHVVLQJ )RUH[DPSOHVHOHFW3KRQHERRNPHDQVVFUROOWRWKHPHQXLWHP
3KRQHERRNDQGYDOLGDWHE\SUHVVLQJ 3UHVV
PHDQVSUHVVWKHFRUUHVSRQGLQJNH\
3UHVV PHDQVSUHVVWKH6(1'NH\
8QGHUVWDQGLQJWKH*UDSKLF'LVSOD\,QGLFDWRUV,FRQV
7KHJUDSKLFGLVSOD\KDVDPDLQDUHDFDSDEOHRIGLVSOD\LQJXSWRIRXUOLQHVRI
FKDUDFWHUVSOXVRQHURZRIVSHFLDOGLVSOD\LQGLFDWRUVRULFRQV
7KHGLVSOD\DOVRVKRZVDOSKDEHWFKDUDFWHUVDQGQXPEHUVDVZHOODVWKH
SKRQHVPHQXOLVWDQGLQVWUXFWLRQVWRWKHXVHU
7KHVSHFLDOLFRQVZKLFKDSSHDULQWKHGLVSOD\GXULQJRSHUDWLRQKDYHWKH
IROORZLQJPHDQLQJ
6,0PHPRU\LQXVH
3KRQHPHPRU\LQXVH
5RDPLQJ,VGLVSOD\HGZKHQWKHSKRQHLVORJJHGRQWRDQHWZRUN
GLIIHUHQWIURPLWVKRPHQHWZRUN
6KRUWPHVVDJHVHUYLFH606,VGLVSOD\HGZKHQRQHRUPDQ\VKRUW
PHVVDJHVKDYHEHHQUHFHLYHGDQGKDYHQRWEHHQUHDG,WIODVKHV ZKHQ
WKH606PHVVDJHEDQNLVIXOODQGFDQQRWVWRUHQHZPHVVDJHV
7KHDYDLODELOLW\RIWKLVIHDWXUHLVQHWZRUNGHSHQGHQW
9RLFHPDLO,VGLVSOD\HGZKHQDYRLFHPDLOPHVVDJHKDVEHHQUHFHLYHG
DQGVWRUHGE\WKHQHWZRUNVYRLFHPDLOFHQWUH
7KHDYDLODELOLW\RIWKLVIHDWXUHLVQHWZRUNGHSHQGHQW
&DOOGLYHUWLQJ,QGLFDWHVZKHWKHULQFRPLQJFDOOVDUHSHUPDQHQWO\EHLQJ
GLYHUWHG
7KHDYDLODELOLW\RIWKLVIHDWXUHLVQHWZRUNGHSHQGHQW
%DWWHU\OHYHOLQGLFDWRU ,VSHUPDQHQWO\GLVSOD\HGWRLQGLFDWHWKHFXUUHQW
FKDUJHOHYHORIWKHEDWWHU\
7KUHHOHYHOVDUHVKRZQ ORZ PHGLXP IXOO
,WIODVKHV ZKHQWKHEDWWHU\LVDOPRVWHPSW\
$UURZNH\V7KHVHLFRQVDUHVHHQGXULQJPHQXRSHUDWLRQWRLQGLFDWHWKDW
PRUHLWHPVLQWKHPHQXFDQEHGLVSOD\HGLI RU DUHSUHVVHG0RUH
WKDQRQHDUURZPD\VKRZDWDQ\RQHWLPH
/LQH,WLQGLFDWHVWKHVHFRQGOLQHLVLQXVH
7KHDYDLODELOLW\RIWKLVIHDWXUHLVQHWZRUNDQGVXEVFULSWLRQGHSHQGHQW
8QDQVZHUHGFDOO ,VGLVSOD\HGZKHQDLQFRPLQJFDOOLVXQDQVZHUHG
6LJQDOVWUHQJWKOHYHO 7KHUHDUHIRXUOHYHOV,WLQGLFDWHVWKHVWUHQJWKRI
WKHUHFHLYHGVLJQDO7KHPRUHEDUVWKHVWURQJHUWKHVLJQDO,IQRQHWZRUN
LVDYDLODEOHWKHGLVSOD\UHPDLQVEODQN
.H\SDGORFN,WLQGLFDWHVZKHWKHUNH\SDGORFNLVRQRURII
&8*,WLQGLFDWHVWKLVVHUYLFHDFWLYH
6LOHQWPRGH$OOWRQHVDUHRII
8VLQJWKLVJXLGH
7KHVHLFRQVDUHXVHGWRGLVSOD\WKHSKRQH
VRSHUDWLRQDOFRQGLWLRQGXULQJXVH
*HWWLQJVWDUWHG
,QRUGHUWREHFRPHIDPLOLDUZLWKWKHSKRQHVWUDLJKWDZD\IROORZWKHVHVLPSOH
VWHSV
3UHSDULQJWRPDNH\RXUILUVWFDOOV
,QVHUWLQJWKH6,0FDUG
8QSDFNWKHSKRQHDQGLQVHUWWKH6,0FDUGLQWRWKHKROGHU
2SHQWKH6,0FDUGKROGHUDVVKRZQEHORZ
,QVHUWWKH6,0FDUGJHQWO\DVVKRZQZLWKWKHJROGFRQWDFWV
IDFLQJGRZQDQGWKHEHYHOOHGFRUQHURIWKHFDUGDWWKHWRS
OHIW
3XVKWKH6,0FDUGKROGHUEDFNLQWRSRVLWLRQ
,IWKH6,0FDUGKDVEHHQLQVHUWHGWKHZURQJZD\URXQGRULVGDPDJHG &KHFN
6,0ZLOOEHGLVSOD\HG5HPRYHWKH6,0FDUGFKHFNWKDWLWLVWKHULJKWZD\
URXQGDQGUHLQVHUWLWDVGHVFULEHG
)LWWLQJWKHEDWWHU\
3RVLWLRQWKHEDWWHU\RQWRWKHSKRQHDVVKRZQ
3XVKGRZQWKHRSSRVLWHHQGRIWKHEDWWHU\RQWRWKHSKRQH
XQWLOWKHEDWWHU\FDWFK
FOLFNV
VKXW&KHFNWKHEDWWHU\LV
VHFXUHO\LQSODFH
*HWWLQJVWDUWHG
&RQQHFWWKHEDWWHU\DVVKRZQEHORZ
,IWKHUHLVQRWHQRXJKFKDUJHLQWKHEDWWHU\WRSRZHUWKHSKRQHIROORZWKHLQVWUXFWLRQVIRUEDWWHU\
FKDUJLQJRQSDJH
%DVLFRSHUDWLRQV
7XUQLQJRQWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRQWRQHZLOOEHKHDUG
,IWKHPRELOHLVORFNHG&RGHZLOOEHGLVSOD\HG(QWHUWKH
GLJLWSKRQHORFNFRGHDQGSUHVV 2. ,I\RXU6,0LV3,1SURWHFWHG (QWHU3,1ZLOOEHGLVSOD\HG
(QWHUWKH3,1FRGHDQGSUHVV 2. 6HHSDJHVDQGIRUPRUHGHWDLOVRQ\RXU3,1DQGORFNFRGHV
$VFUHHQDQLPDWLRQZLOOEHGLVSOD\HG
6WDQGE\GLVSOD\
7KLVLVIROORZHGE\DUHJLVWUDWLRQWRQHDIWHUZKLFKWKHQDPHRIWKH
QHWZRUNDQGRUVHUYLFHSURYLGHUZLOOEHGLVSOD\HGWRJHWKHUZLWKVLJQDO
DQGEDWWHU\OHYHOLQGLFDWRUVDQGWKH606DQG/RFNVRIWNH\IXQFWLRQV
7KLVLVWKHQRUPDOVWDQGE\GLVSOD\
0DNLQJDFDOO
(QWHUWKHGHVLUHGWHOHSKRQHQXPEHUXVLQJWKHQXPHULFNH\V
DQG
$PD[LPXPRIGLJLWVFDQEHHQWHUHG&RUUHFWDQ\PLV
WDNHVE\SUHVVLQJ&OHDU +ROGLQJGRZQWKLVNH\ZLOOFOHDU
WKHZKROHGLVSOD\
7RGLDOVHQGWKHQXPEHUSUHVV :KHQWKHFDOOLVFRQQHFWHGWKHFRQYHUVDWLRQZLOOEHKHDUGLQWKHHDU
SLHFHDQGDFDOOWLPHUZLOOEHGLVSOD\HG
1%)RUEHVWUHVXOWVXVHWKHDQWHQQDIXOO\H[WHQGHGZKHQPDNLQJRU
UHFHLYLQJFDOOV
5HFHLYLQJDFDOO
:KHQDFDOOLVUHFHLYHGWKHSKRQHZLOOULQJ7KH/('RQWKHWRSRIWKH
SKRQHZLOOIODVKJUHHQDQGWKHIODVKLQJ
ZLOOEHVKRZQ7KHEDFN
OLJKWZLOODOVRFRPHRQLIWKHSKRQHZDVVHWWRGRVRRULILQVLOHQW
PRGH
7RDFFHSWDQVZHUWKHFDOO
3UHVV
,IWKHULQJWRQHYROXPHLVVHWWR]HURRIIRULIWKHSKRQHLVLQ
6LOHQWPRGH
QRDXGLEOHVRXQGZLOO
EHKHDUG
7RUHMHFWRUUHWXUQWKHEXV\VLJQDOWRWKHFDOOHU
3UHVV
(QGLQJDFDOO
3UHVV
:DLWLQJDIHZVHFRQGVRUSUHVVLQJWKH([LWVRIWNH\ZLOOUHWXUQWRWKHVWDQGE\GLVSOD\
7XUQLQJRIIWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRIIWRQHZLOOVRXQGWRFRQILUP\RXUDFWLRQ'XULQJVZLWFK
RIIDGLVSOD\DQLPDWLRQZLOOEHVKRZQ7KHPRELOHZLOOWKHQWXUQRII
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\DVGDWDZKLFKPD\QHHGWREHVDYHGLQWKH6,0
ZLOOEHORVW6HHDOVRSDJHIRUPRUH
FXVWRPLVLQJ\RXUSKRQH
GHWDLOV
6DIHW\LQIRUPDWLRQ
‡ 5HVSHFWQDWLRQDOUHJXODWLRQVRQWKHXVHRIPRELOHWHOHSKRQHVLQYHKLFOHV
‡ 5RDGVDIHW\DOZD\VFRPHVILUVW$OZD\VJLYH\RXUIXOODWWHQWLRQWRGULYLQJ
‡ 'RQRWXVHDKDQGKHOGSKRQHZKLOVWGULYLQJ,I\RXGRQ
WKDYHDKDQGVIUHH
FDUNLWVWRSDQGSDUN\RXUYHKLFOHVDIHO\EHIRUHXVLQJ\RXUSKRQH
‡ ,IHTXLSSHGZLWKDFRUUHFWO\LQVWDOOHGYHKLFOHNLWDOORZLQJKDQGVIUHHRSHU
DWLRQDQG\RXQHHGWRPDNHRUUHFHLYHDFDOOHQVXUHWKDWLWLVGRQHVHQVLEO\
DQGVDIHO\8VHSUHSURJUDPPHGQXPEHUVZKHUHSRVVLEOHDQGNHHSFDOOV
VKRUWDQGURXWLQH
‡ ,ILQFRUUHFWO\LQVWDOOHGLQDYHKLFOHWKHRSHUDWLRQRIPRELOHWHOHSKRQHV
FRXOGLQWHUIHUHZLWKWKHFRUUHFWRSHUDWLRQRIWKHYHKLFOHHOHFWURQLFVVXFK
DV$%6DQWLORFNEUDNHVRUDLUEDJV7RDYRLGVXFKSUREOHPVHQVXUHWKDW
RQO\TXDOLILHGSHUVRQQHOFDUU\RXWWKHLQVWDOODWLRQ9HULILFDWLRQRIWKHSUR
WHFWLRQDQGRSHUDWLRQRIWKHYHKLFOHHOHFWURQLFVVKRXOGIRUPSDUWRIWKH
LQVWDOODWLRQ,ILQGRXEWFRQVXOWZLWKWKHPDQXIDFWXUHU
‡ 'RQRWSODFHWKHSKRQHRQWKHSDVVHQJHUVHDWRUZKHUHLWFRXOGEUHDN
ORRVHGXULQJVXGGHQEUHDNLQJRUDFROOLVLRQ$OZD\VXVHWKHKROGHU
‡ 7KHXVHRIDQDOHUWGHYLFHWRRSHUDWHDYHKLFOH
VOLJKWVRUKRUQRQSXEOLF
URDGVLVQRWSHUPLWWHG
6DIHW\LQIRUPDWLRQ
9HKLFOHVDIHW\
&DUHDQGPDLQWHQDQFH
7KLVPRELOHWHOHSKRQHLVWKHSURGXFWRIDGYDQFHGHQJLQHHULQJGHVLJQDQG
FUDIWVPDQVKLSDQGVKRXOGEHWUHDWHGZLWKFDUH7KHVXJJHVWLRQVEHORZZLOO
KHOS\RXWRHQMR\WKLVSURGXFWIRUPDQ\\HDUV
‡ 'RQRWH[SRVHWKHSKRQHWRDQ\H[WUHPHHQYLURQPHQWZKHUHWKHWHPSHUD
WXUHRUKXPLGLW\LVKLJK
‡ 'RQRWH[SRVHRUVWRUHLQFROGWHPSHUDWXUHV:KHQWKHSKRQHZDUPVXS
DIWHUVZLWFKRQWRLWVQRUPDOWHPSHUDWXUHPRLVWXUHFDQIRUPLQVLGH
ZKHUHLWPD\GDPDJHWKHHOHFWULFDOSDUWV
‡ 'RQRWDWWHPSWWRGLVDVVHPEOHWKHSKRQH7KHUHDUHQRXVHUVHUYLFHDEOH
SDUWVLQVLGH
‡ 'RQRWH[SRVHWKHSKRQHWRZDWHUUDLQRUVSLOWEHYHUDJHV,WLVQRWZDWHU
SURRI
‡ 'RQRWDEXVHWKLVSKRQHE\GURSSLQJNQRFNLQJRUYLROHQWVKDNLQJ5RXJK
KDQGOLQJFDQGDPDJHLW
‡ 'RQRWFOHDQWKHSKRQHZLWKVWURQJFKHPLFDOVRUVROYHQWV:LSHLWRQO\
ZLWKDVRIWVOLJKWO\GDPSHQHGFORWK
‡ 'RQRWSODFHWKHWHOHSKRQHDORQJVLGHFRPSXWHUGLVFVFUHGLWRUWUDYHOFDUGV
RURWKHUPDJQHWLFPHGLD7KHLQIRUPDWLRQFRQWDLQHGRQGLVFVRUFDUGVPD\
EHDIIHFWHGE\WKHSKRQH
‡ 'RQRWFRQQHFWLQFRPSDWLEOHSURGXFWV7KHXVHRIWKLUGSDUW\HTXLSPHQW
RUDFFHVVRULHVQRWPDGHRUDXWKRULVHGE\0LWVXELVKL(OHFWULFPD\LQYDOL
GDWHWKHZDUUDQW\RI\RXUSKRQHDQGPD\EHDVDIHW\ULVN
‡ 'RQRWUHPRYHWKHODEHOV7KHQXPEHUVRQLWDUHLPSRUWDQWIRUVHUYLFHDQG
RWKHUUHODWHGSXUSRVHV
‡ 'RFRQWDFWDQDXWKRULVHGVHUYLFHFHQWUHLQWKHXQOLNHO\HYHQWRIDIDXOW
<RXUUHVSRQVLELOLW\
7KLV*60PRELOHWHOHSKRQHLVXQGHU\RXUUHVSRQVLELOLW\3OHDVHWUHDWLWZLWK
FDUHUHVSHFWLQJDOOORFDOUHJXODWLRQV,WLVQRWDWR\WKHUHIRUHNHHSLWLQDVDIH
SODFHDWDOOWLPHVDQGRXWRIWKHUHDFKRIFKLOGUHQ
7U\WRUHPHPEHUWKHSKRQHORFNDQG3,1FRGHVDVVRFLDWHGZLWKWKHXVHRIWKLV
SKRQH
%HFRPHIDPLOLDUZLWKDQGXVHWKHVHFXULW\IHDWXUHVWREORFNXQDXWKRULVHGXVH
,I\RXUSKRQHDQGRU6,0FDUGDUHORVWRUVWROHQ&DOO\RXUVHUYLFHSURYLGHU
LPPHGLDWHO\WRSUHYHQWLOOHJDOXVH
:KHQQRWLQXVHORFNWXUQRIIWKHSKRQHDQGUHPRYHWKHEDWWHU\
6HFXULW\FRGHV
7KHSKRQHDQG6,0FDUGDUHGHOLYHUHGWR\RXSUHSURJUDPPHGZLWKFRGHV
WKDWSURWHFWWKHSKRQHDQG6,0FDUGDJDLQVWXQDXWKRULVHGXVH
:KHQUHTXHVWHGWRHQWHUDQ\RIWKHFRGHVNH\LQWKHQXPEHUDSSHDUVDV
DVWHULVNVLQWKHGLVSOD\DQGSUHVV 2. .H\LQJPLVWDNHVFDQEHHUDVHGE\SUHVVLQJ &OHDU ,I\RXHQWHUWKHZURQJFRGHDQDSSURSULDWHPHVVDJHZLOOEHGLVSOD\HG
&RGHVVXSSOLHGZLWKWKH6,0FDUGDUH
3,1DQG3,1FRGHVGLJLWV
7KH3,13HUVRQDO,GHQWLW\1XPEHULVVXSSOLHGZLWKDOO6,0FDUGVDQG
SURWHFWVWKHFDUGDJDLQVWXQDXWKRULVHGXVH
7KH3,1FRGHVXSSOLHGZLWKVRPH6,0FDUGVLVUHTXLUHGWRJDLQ
DFFHVVWRVRPHIHDWXUHVLQWKHSKRQHVXFKDVIL[HGGLDOOLQJQXPEHUV
IRUZKLFKDQRWKHUOHYHORIVHFXULW\LVUHTXLUHG
,I(QWHU3,1DSSHDUVLQWKHGLVSOD\HQWHUWKHFRGHDQGSUHVV 2. (QWHULQJWKHZURQJ3,1FRGHWKUHHWLPHVLQVXFFHVVLRQZLOOGLVDEOHWKH
6,0FDUGDQGWKHPHVVDJH6,0%ORFNHG(QWHU38.ZLOODSSHDULQ
WKHGLVSOD\7RXQEORFNWKH6,0\RXZLOOQHHGWKH38.3,18QEORFN
.H\FRGHREWDLQDEOHRQO\IURP\RXUVHUYLFHSURYLGHU
38.DQG38.FRGHVGLJLWV
7KH38.FRGHLVVXSSOLHGZLWKWKH6,0FDUGDQGLVXVHGWRXQEORFND
GLVDEOHG6,0FDUG
:KHQUHTXHVWHGHQWHUWKH38.FRGHDQGSUHVV 2. <RXZLOOEHUH
TXHVWHGWRUHVHWWKH3,1FRGH)ROORZWKHLQVWUXFWLRQLQWKHGLVSOD\
7KH38.FRGHLVUHTXLUHGWRXQEORFNWKH3,1FRGH
&RGHVXSSOLHGE\WKHDLUWLPHVHUYLFHSURYLGHU
&DOOEDUULQJSDVVZRUGGLJLWV
&RGHVXSSOLHGE\WKHPDQXIDFWXUHU
3KRQHORFNFRGHGLJLWV
7KLVFRGHLVVHWWRDOO]HURVRQGHOLYHU\DQGLVXVHUUHVHWWDEOH2QFH
FKDQJHGLWFDQQRWEHLGHQWLILHGE\WKHPDQXIDFWXUHURYHUWKHSKRQH
6HHSDJHIRUPRUHGHWDLOV
,WLVVWURQJO\UHFRPPHQGHGWKDW\RXUHPHPEHUDQGPDNH\RXUVHOIID
PLOLDUZLWKWKHSXUSRVHDQGRSHUDWLRQRIWKHVHFRGHV
(PHUJHQF\FDOOV
6DIHW\LQIRUPDWLRQ
7KLVSDVVZRUGLVXVHGWREDUYDULRXVW\SHVRIFDOOVPDGHRUUHFHLYHG
IURPWKHSKRQH6HHSDJHIRUPRUHGHWDLOV
,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
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\
SUHVVLQJDQGKROGLQJGRZQ 5HFKDUJHWKHEDWWHU\DVVKRZQEHORZRUVZDSLWIRUDFKDUJHGRQH
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\ 'DWDWKDW
QHHGVWREHVDYHGE\WKH6,0PD\EHORVW
7RHQVXUHDORQJOLIHIRU\RXUEDWWHU\UHFKDUJHLWRQO\ZKHQWKH /RZ
%DWWHU\ZDUQLQJLVGLVSOD\HGDQGWKH
ORZEDWWHU\
WRQHLVKHDUG
&RQQHFWWKHFKDUJHUWRWKHSKRQHDVVKRZQ
3OXJWKHFKDUJHULQWRWKHZDOOVRFNHWDQGWXUQRQWKHPDLQV7KHEDW
WHU\ZLOOVWDUWWRFKDUJH
7KHSKRQHFDQEHXVHGZKLOVWFKDUJLQJEXWLWZLOOLQFUHDVHWKHFKDUJ
LQJWLPH
3UHSDULQJWKHSKRQHIRURSHUDWLRQ
&KDUJLQJ
&KDUJLQJLQGLFDWRUVZKHQWKHPRELOHLVRII
'XULQJFKDUJLQJ&KDUJLQJZLOOEHGLVSOD\HG7KH/('ZLOOEH
UHG:KHQFKDUJLQJLVILQLVKHG%DWWHU\IXOOZLOOEHGLVSOD\HGDQG
WKH/('ZLOOFKDQJHWRJUHHQ
&KDUJLQJLQGLFDWRUVZKHQWKHPRELOHLVRQ
'XULQJFKDUJLQJWKHWKUHHVHFWLRQEDWWHU\LFRQZLOOIODVKEDUV
FRQWLQXRXVO\:KHQFKDUJLQJLVFRPSOHWHGWKHEDWWHU\LQGLFDWRUZLOO
VKRZWKUHHVROLGEDUV7KH/('LVQRWXVHGDVDFKDUJLQJLQGLFDWRU
ZKHQWKHPRELOHLVRQ,IDFDOOLVUHFHLYHGGXULQJFKDUJLQJWKH/('
ZLOOIODVKUDSLGO\JUHHQ
,WLVQRUPDOIRUWKHEDWWHU\WRJHWZDUPGXULQJFKDUJLQJ$WWKHHQG
RIFKDUJLQJGLVFRQQHFWWKHFKDUJHUIURPWKHSKRQHVZLWFKRIIDQG
UHPRYHWKHSOXJIURPWKHPDLQV
7\SLFDOFKDUJLQJWLPHVXVLQJWKH$&DGDSWRU)=$$
%DWWHU\W\SH
7\SLFDOFKDUJLQJWLPH
6PDOOEDWWHU\)=$$
KUV
%DWWHU\XVHDQGVDIHW\LQIRUPDWLRQ
$EDWWHU\FDQEHFKDUJHGKXQGUHGVRIWLPHVEXWZLOOJUDGXDOO\ZHDU
RXW:KHQWKHRSHUDWLQJWLPHVWDQGE\DQGWDONWLPHLVQRWLFHDEO\
VKRUWHUWKDQQRUPDOLWLVWLPHWREX\DQHZRQH
‡ 'RQRWOHDYHEDWWHULHVFRQQHFWHGWRDFKDUJHUORQJHUWKDQQHFHV
VDU\RYHUFKDUJLQJZLOOVKRUWHQEDWWHU\OLIH
‡ 'LVFRQQHFWEDWWHU\FKDUJHUVIURPWKHSRZHUVRXUFHZKHQQRWLQ
XVH
‡ 'RQRWH[SRVHEDWWHULHVWRKLJKWHPSHUDWXUHVRUKXPLGLW\
‡ 'RQRWGLVSRVHRIWKHEDWWHULHVLQILUH7KH\PD\H[SORGH
‡ $YRLGSXWWLQJWKHEDWWHULHVLQWRFRQWDFWZLWKPHWDOREMHFWVZKLFK
PD\VKRUWFLUFXLWWKHEDWWHU\WHUPLQDOVHJNH\VSDSHUFOLSV
FRLQVFKDLQVHWF
‡ 'RQRWGURSRUVXEMHFWWKHEDWWHULHVWRVWURQJSK\VLFDOVKRFNV
‡ 'RQRWWU\WRGLVDVVHPEOHDQ\RIWKHEDWWHU\SDFNV
‡ 8VHRQO\WKHUHFRPPHQGHGEDWWHU\FKDUJHUVVHHSDJHVDQG
‡ ,IWKHEDWWHU\WHUPLQDOVEHFRPHVRLOHGFOHDQWKHPZLWKDVRIW
FORWK
‡ ,WLVQRUPDOIRUEDWWHULHVWREHFRPHZDUPGXULQJFKDUJLQJ
‡ 2OGEDWWHULHVPXVWEHUHWXUQHGWRWKHSODFHRISXUFKDVHRUWRD
SODFHZKHUHXVHGEDWWHULHVDUHSURSHUO\GLVSRVHGRI'RQRWGLV
SRVHRIROGEDWWHULHVWRJHWKHUZLWKKRXVHKROGZDVWH
%DWWHU\GLVSRVDO
3OHDVHGLVSRVHRI\RXUROGEDWWHULHVLQDFFRUGDQFHZLWK\RXU
QDWLRQDOOHJLVWODWLRQRQWKHSURWHFWLRQRIWKHHQYLURQPHQW
,ILQGRXEWSOHDVHFRQVXOWZLWK\RXUORFDODXWKRULWLHV
HQYLURQPHQWDOGHSDUWPHQWZKRZLOOEHDEOHWRRIIHU\RXDGYLFHRQ
GLVSRVDO
%DVLFRSHUDWLRQV
7XUQLQJRQWKHSKRQHWKHVWDQGE\GLVSOD\
DQGWXUQLQJRIIWKHSKRQH
7XUQLQJRQWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRQWRQHZLOOEHKHDUG
,IWKHPRELOHLVORFNHG&RGHZLOOEHGLVSOD\HG(QWHUWKH
GLJLWSKRQHORFNFRGHDQGSUHVV 2. ,I\RXU6,0LV3,1SURWHFWHG (QWHU3,1ZLOOEHGLVSOD\HG
(QWHUWKH3,1FRGHDQGSUHVV 2. 7KLVLVWKHQRUPDOVWDQGE\GLVSOD\
%DVLFRSHUDWLRQV
6HHSDJHVDQGIRUPRUHGHWDLOVRQ\RXU3,1DQGORFNFRGHV
$GLVSOD\DQLPDWLRQZLOOEHVKRZQ7KLVLVIROORZHGE\D
UHJLVWUDWLRQWRQHDIWHUZKLFKWKHQDPHRIWKHQHWZRUNDQGRU
VHUYLFHSURYLGHUZLOOEHGLVSOD\HGWRJHWKHUZLWKVLJQDODQGEDWWHU\
OHYHOLQGLFDWRUVDQGWKH606DQG/RFNVRIWNH\IXQFWLRQV
,QWKLVFRQGLWLRQWKHSKRQHLVUHDG\WRUHFHLYHRUPDNHFDOOVRUSHU
IRUPPDQ\RIWKHRSHUDWLRQVFRQWDLQHGLQLWVIHDWXUHOLVW
)URPWKHVWDQGE\GLVSOD\SUHVVLQJ ZLOOJLYHGLUHFWDFFHVVWRQXP
EHUVVWRUHGLQ\RXUSKRQHERRNVHHSDJH3UHVVLQJ ZLOOHQWHU
WKHSKRQHPHQX3UHVVLQJ JLYHVDFFHVVWRWKHYROXPHVFRQWUROVHH
SDJHDQGSUHVVLQJ DOORZV\RXWRVLOHQFHWKHLQFRPLQJULQJ
WRQH3UHVVLQJDQ\RIWKHQXPEHUNH\VDQGZLOOHQWHUWKDW
QXPEHULQWKHGLVSOD\VHHDOVR´ 6SHHGGLDOOLQJµSDJH 3UHVVLQJ ZLOOGLDODGLVSOD\HGQXPEHUZKLOVWSUHVVLQJ ZLOOVWRS
WKHGLDOOLQJRUHQGDFDOO
.H\SDGORFN
:KHQDFWLYDWHGWXUQHGRQNH\SDGORFNSUHYHQWVDFFLGHQWDOFDOOVRU
DFWLRQVEHLQJPDGHE\XVHUZKHQWKHSKRQHLVFDUULHGLQDSRFNHW
EULHIFDVHRUKDQGEDJ:KHQRQNH\SDGORFNGRHVQRWSUHYHQWFDOOV
EHLQJUHFHLYHGZKLFKDUHDQVZHUHGLQWKHQRUPDOZD\2Q
FRPSOHWLRQRIDUHFHLYHGFDOONH\SDGORFNLVDXWRPDWLFDOO\UHDFWLYDWHG
7RWXUQNH\SDGORFNRQ
3UHVV/RFN SOXV ZLOOEHGLVSOD\HG
7RWXUQNH\SDGORFNRII
3UHVV8QORFN
SOXV
6HHSDJHIRUPRUHNH\SDGORFNGHWDLOV
0HVVDJHV606
3UHVVLQJ606 LQWKHVWDQGE\GLVSOD\DOORZV\RXWRDFFHVVWRWKH
VKRUWPHVVDJHVPHQXZLWKWKHVDPHIXQFWLRQVDVZKHQDFFHVVLQJLW
IURPWKHPDLQPHQX3OHDVHUHIHUWRSDJHWROHDUQDERXWWKHDYDLO
DEOHIXQFWLRQVLQWKLVPHQX
%DFNOLJKWRSHUDWLRQ
7KHEDFNOLJKWLVQRUPDOO\RII:KHQDNH\LVSUHVVHGWKHGLVSOD\DQG
NH\SDGEDFNOLJKWZLOOFRPHRQIRUVHFRQGV,IDQLQFRPLQJFDOOLV
UHFHLYHGWKHEDFNOLJKWZLOOFRPHRQDQGUHPDLQRQIRUVHFRQGV
DIWHUWKHFDOOKDVEHHQDQVZHUHG
6HHSDJHVDQGIRUEDFNOLJKWDGMXVWPHQW
7XUQLQJRIIWKHSKRQH
3UHVVDQGKROGGRZQ $VZLWFKRIIWRQHZLOOVRXQGWRFRQILUP\RXUDFWLRQ'XULQJ
VZLWFKRIIDGLVSOD\DQLPDWLRQZLOOEHVKRZQ7KHPRELOHZLOOWKHQ
WXUQRII
'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\DVGDWDZKLFKPD\QHHGWREHVDYHGLQWKH6,0
ZLOOEHORVW
0DNLQJDQGUHFHLYLQJFDOOV
7KHSKRQHFDQRQO\PDNHDQGUHFHLYHFDOOVZKHQLWLVVZLWFKHGRQXQORFNHG
KDVDYDOLG6,0FDUGLQVHUWHGDQGLVORFDWHGLQDQDUHDWKDWKDV*60QHWZRUN
VHUYLFHFRYHUDJH
,IWKHSKRQHFDQQRWILQGDQHWZRUNWKHGLVSOD\UHPDLQVEODQN)RUEHVWUHVXOWV
XVHWKHDQWHQQDIXOO\H[WHQGHGZKHQPDNLQJRUUHFHLYLQJFDOOV
0DNLQJFDOOV
(QWHUWKHGHVLUHGWHOHSKRQHQXPEHUXVLQJWKHQXPHULFNH\V
DQG
,QWHUQDWLRQDOFDOOVFDQEHSUHIL[HGHLWKHUZLWKRU7RHQWHUWKH
V\PEROEHIRUHDQXPEHUSUHVVDQGKROGGRZQ $PD[LPXP
RIGLJLWVFDQEHHQWHUHG&RUUHFWDQ\PLVWDNHVE\SUHVVLQJ
&OHDU +ROGLQJGRZQWKLVNH\ZLOOFOHDUWKHZKROHGLVSOD\
3UHVV WRGLDOVHQGWKHQXPEHU
7KHGLDOOHGQXPEHUWRJHWKHUZLWKWKHDQLPDWHG
LFRQZLOOEH
VKRZQLQWKHGLVSOD\:KHQWKHFDOOLVFRQQHFWHGDULQJLQJWRQH
ZLOOEHKHDUGLQWKHHDUSLHFHDQGDFDOOWLPHUZLOOEHGLVSOD\HG
:KHQDQVZHUHGSURFHHGZLWKWKHFDOOLQWKHQRUPDOZD\
‡ %XV\LQWKHGLVSOD\LQGLFDWHVWKDWWKHFDOOHGSDUW\LVHQJDJHG
,I$XWR5HWU\LVRQWKHSKRQHZLOODWWHPSWWRFDOODJDLQVHH
SDJHIRUGHWDLOV
‡ 1RWDOORZHGIL[HGGLDOOLQJLQWKHGLVSOD\PHDQVWKDWWKH
QXPEHUGLDOOHGLVQRWDXWKRULVHGE\WKH)'1OLVWVHHSDJH
IRUGHWDLOV
‡ ,IWKHGLDOOHGQXPEHUPDWFKHVRQHVWRUHGLQWKHSKRQHERRN
WKHQWKHDVVRFLDWHGQDPHRIWKHFDOOHGSHUVRQZLOODSSHDULQ
WKHGLVSOD\
‡ 7KHOLQHLFRQ ZLOODSSHDURQFHWKHFDOOLVHVWDEOLVKHGLI
WKLVVHUYLFHLVDFWLYHLQGLFDWLQJWKDWWKHFDOOZDVPDGHXVLQJ
WKLVOLQHVHHSDJHIRUGHWDLOV
(QGLQJFDOOV
3UHVV 7KHFDOOWLPHUZLOOVWRSDQG ZLOOGLVDSSHDU:DLWLQJDIHZVHF
RQGVRUSUHVVLQJ([LW ZLOOUHWXUQWRWKHVWDQGE\GLVSOD\
%DVLFRSHUDWLRQV
5HFHLYLQJFDOOV
:KHQDFDOOLVUHFHLYHGWKHSKRQHZLOOULQJ7KH/('RQWKHWRSRIWKH
SKRQHZLOOIODVKJUHHQWKHEDFNOLJKWZLOOFRPHRQDQGWKHIODVKLQJ
ZLOOEHVKRZQ
,IWKHULQJWRQHYROXPHLVVHWWR]HURRIIRU
6LOHQW PRGH
QRDXGLEOH
VRXQGZLOOEHKHDUG
7RDFFHSWDQVZHUWKHFDOO
3UHVV 3UHVVLQJWKH1RULQJ VRIWNH\ZLOOVWRSWKHVRXQGRIWKHULQJ
WRQHDOORZLQJ\RXWRVLOHQFHWKHSKRQHDQGJRRXWRIDURRPEH
IRUHSUHVVLQJ 7RUHMHFWRUUHWXUQWKHEXV\VLJQDOWRWKHFDOOHU
3UHVV
,IDFFHSWHG ZLOOEHGLVSOD\HG3URFHHGZLWKWKHFDOOLQWKHQRU
PDOZD\
‡ ,IWKHFDOOHUVQXPEHULVQRWDYDLODEOH 8QNQRZQQXPEHUZLOO
EHGLVSOD\HGGXULQJFDOOSUHVHQWDWLRQWKHQ &DOOZLOOEHGLV
SOD\HGGXULQJFDOOFRQQHFWLRQ
‡ ,IWKHFDOOHUVQXPEHULVDYDLODEOHEXWGRHVQRWPDWFKRQH
VWRUHGLQ\RXUSKRQHERRNLWZLOODSSHDULQWKHGLVSOD\,ILW
GRHVPDWFKDVWRUHGQXPEHUWKHQWKHDVVRFLDWHGQDPHZLOO
DSSHDULQVWHDG
‡ ,IWKHFDOOHUKDVZLWKKHOGWKHLUQXPEHU :LWKKHOGQXPEHUZLOO
EHGLVSOD\HGGXULQJFDOOSUHVHQWDWLRQWKHQ &DOOZLOOEHGLV
SOD\HGGXULQJFRQQHFWLRQ
‡ $FDOOWLPHUZLOODOVRDSSHDU
‡ ZLOODSSHDULIWKHFDOOKDVEHHQUHFHLYHGRQ\RXUOLQH
QXPEHUVHHSDJHIRUGHWDLOV
7RHQGWKHFDOO
3UHVV 7KHFDOOHU
VQXPEHULIDYDLODEOHZLOOEHVWRUHGLQWKHUHFHLYHGFDOOV
ORJVHHSDJHIRUGHWDLOV
8QDQVZHUHGFDOOYRLFHPDLODQGQHZ606
PHVVDJHLQGLFDWRUV
‡ ,IVRPHUHFHLYHGFDOOVUHPDLQXQDQVZHUHG ZLOOEHGLVSOD\HG3UHVV
5HDG WRYLHZWKHFDOOHUV QXPEHUVLIDYDLODEOH3UHVV WRFDOOWKH
QXPEHU8QDQVZHUHGFDOOQXPEHUVZLOOEHVWRUHGLQWKHXQDQVZHUHGFDOOV
ORJVHHSDJHIRUGHWDLOV
‡ :KHQ\RXUHFHLYHQRWLILFDWLRQWKDWDYRLFHPHVVDJHKDVEHHQGHSRVLWHGLQ
\RXUYRLFHPDLOER[DQDOHUWWRQHZLOOVRXQGDQG ZLOODSSHDULQWKHGLV
SOD\3UHVV5HDG WRYLHZWKHPHVVDJHRUSUHVV WRVSHHGGLDO\RXU
YRLFHPDLOPHVVDJHFHQWUHVHHSDJHVDQGIRUGHWDLOV
1%,IPRUHWKDQRQHLQGLFDWRUHJ 0HVVDJHVDQG9RLFHPDLOLV
VKRZQSUHVVLQJ5HDG ZLOOGLVSOD\DPHQXDOORZLQJ\RXWRFKRRVH
EHWZHHQGLIIHUHQWLWHPVLQRXUH[DPSOH 0HVVDJHVDQG9RLFHPDLO
‡ :KHQDQHZ606PHVVDJHLVUHFHLYHGDQDOHUWWRQHZLOOVRXQGDQG ZLOO
EHGLVSOD\HG7KHQSUHVV5HDG WRYLHZWKH606LQER[PHVVDJHV
,I LVIODVKLQJ\RXZLOOKDYHWRGHOHWHDWOHDVWRQHROGUHFHLYHGPHVVDJHWR
EHDEOHWRUHFHLYHQHZRQHVVHHSDJHIRUGHWDLOV
7KHGLVSOD\ZLOOVKRZWKHTXDQWLW\DQGW\SHRIPHVVDJHV
&KDQJLQJWKHIURQWFRYHU
%HIRUHFKDQJLQJWKHFRYHUDOZD\VVZLWFKRIIWKHSKRQHDQGGLVFRQQHFWIURP
DQ\FKDUJLQJGHYLFHRUFDUNLW
5HPRYLQJWKHFRYHU
7RUHPRYHWKHFRYHU
,QVHUWDVPDOOEOXQWLQVWUXPHQWIRUH[DPSOHDSDSHUFOLS
LQWRWKHVORWSURYLGHGDQGJHQWO\EXWILUPO\OLIWXSRQHHQG
RIWKHFRYHU
7DNHKROGRIWKHUDLVHGHQGRIWKHFRYHUDQGSXOOXSXQFOLS
SLQJLWIURPWKHSKRQHDQGSXOOLQJJHQWO\GRZQZDUGV7KH
FRYHUZLOOXQKRRNIURPWKHSKRQHDQGOLIWDZD\
%DVLFRSHUDWLRQV
3UHVV5HDG WRVHOHFWWKHW\SHRIPHVVDJHWREHUHDG3UHVV 6HOHFW RU
WRYLHZWKHPHVVDJH
6ORW
5HSODFLQJWKHFRYHU
/RFDWHWKHIURQWFRYHUKRRNVLQWRWKHKRRNVORWVDWWKHWRS
RIWKHSKRQH
6OLGHJHQWO\XSZDUGV
3UHVVWKHFRYHUGRZQILUPO\FOLSSLQJLWLQWRSRVLWLRQ
+RRNV
+RRN
VORWV
&OLSV
'RQRWXVHXQQHFHVVDU\IRUFHZKHQFKDQJLQJWKHFRYHU$YRLGH[FHVVLYHEHQGLQJ$YRLGUHPRYLQJ
DQGUHSODFLQJWKHIURQWFRYHUWRRRIWHQWKLVFRXOGZHDNHQWKHIURQWFRYHUKRRNVDQGFOLSV'RQRW
OHDYHLQGLUHFWVXQOLJKW$OZD\VXVHWKHSKRQHZLWKWKHFRYHUDWWDFKHG'RQRWFOHDQWKHSKRQH
DQGRUIURQWFRYHUZLWKDOFRKROVWURQJFKHPLFDOVRUVROYHQWV:LSHLWRQO\ZLWKDVRIWVOLJKWO\
GDPSHQHGFORWK5HDGWKH´&DUHDQGPDLQWHQDQFHµLQVWUXFWLRQVSDJH
*HQHUDORSHUDWLRQV
'LDOOLQJIURPPHPRU\
$Q\QXPEHUVWRUHGLQWKH6,0RUWKHSKRQHPHPRU\ZKLFKFDQEHUHFDOOHG
WRWKHGLVSOD\FDQEHGLDOOHG
IURPWKHSKRQHERRN
3UHVV
WRHQWHUWKHSKRQHERRNOLVW
8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG
3UHVV WRGLDOWKHQXPEHU
6HH´3KRQHERRNµSDJH
IURPWKHODVWGLDOOHGQXPEHUVOLVW
7KHODVWQXPEHUVGLDOOHGDUHVWRUHGLQWKHSKRQH
3UHVV
8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG
3UHVV WRGLDOWKHQXPEHU
WRGLVSOD\WKHODVWQXPEHUVGLDOOHG
IURPWKHFDOOVORJPHPRU\OLVW
7KHODVWQXPEHUVGLDOOHGWKHODVWXQDQVZHUHGFDOOQXPEHUVLI
DYDLODEOHDQGWKHODVWUHFHLYHGDQVZHUHGQXPEHUVLIDYDLODEOHDUH
VWRUHGE\WKHSKRQHLQWKHFDOOVORJPHPRU\ORFDWLRQPHQX
3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOOVORJ
6HOHFW/DVWGLDO8QDQVZHUHGRU5HFHLYHG
*HQHUDORSHUDWLRQV
8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG
3UHVV WRGLDOWKHQXPEHU
6HH´&DOOV7LPHVµSDJH
6SHHGGLDOOLQJ
$Q\QXPEHUVWRUHGLQWKH6,0FDQEHDOORFDWHGWRWKHVSHHGGLDOOLQJNH\V
RI 3UHVVDQGKROGGRZQWKHNH\7KHQXPEHUZLOOEHUHFDOOHG
WRWKHGLVSOD\DQGEHGLDOOHGLQWKHQRUPDOZD\
%\GHIDXOW LVDOZD\VDOORFDWHGWRWKHYRLFHPDLOQXPEHU6HH
SDJHRQKRZWRDOORFDWHQXPEHUVWRWKHVSHHGGLDOOLQJNH\V
6LOHQWDOHUWPRGH
7RDYRLGGLVWXUELQJRWKHUV\RXFDQVLOHQFHWKHLQFRPLQJULQJDOHUWDQGNH\
WRQHV
7XUQLQJRQ
3UHVV 6HOHFW6LOHQW
LVVKRZQLQWKHGLVSOD\ZKHQWKLVIHDWXUHLVWXUQHGRQ
7XUQLQJRII
3UHVV 6HOHFW5LQJ
,IWKHULQJWRQHYROXPHLVVHWWRWKHVLOHQWPRGHLFRQUHPDLQVLQWKHGLVSOD\DVDZDUQLQJ
7KHVLOHQWPRGHVHWWLQJLVQRWVDYHGZKHQWKHSKRQHLVVZLWFKHGRII
6HHDOVR´$OHUWPRGHµSDJH
0XWLQJ
:KHQHQJDJHGRQDFDOOWKHPLFURSKRQHFDQEHPXWHGWXUQHGRIIWRDOORZ
\RXWRFRQIHUSULYDWHO\ZLWKSHRSOHQHDUE\ZLWKRXWEHLQJKHDUGE\WKHRWKHU
SDUW\
7XUQLQJWKHPLFURSKRQHRII
'XULQJFRQYHUVDWLRQ
3UHVV0XWH
7XUQLQJWKHPLFURSKRQHRQ
3UHVV8QPXWH
7KHPLFURSKRQHLVDXWRPDWLFDOO\UHVWRUHGRQUHFHLYLQJDQHZFDOO
9ROXPHDGMXVWPHQW
7RDGMXVWWKHUHFHLYHGDXGLROHYHOGXULQJFRQYHUVDWLRQ
8VH RU WRGHFUHDVHRULQFUHDVHWKHYROXPHWKURXJK
HLJKWOHYHOVDVVKRZQRQWKHGLVSOD\
3UHVV([LW RUZDLWVHFRQGVWRUHWXUQEDFNWRWKHSUHYL
RXVGLVSOD\
6HHDOVR´9ROXPHDGMXVWPHQWVµSDJH
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. $IWHUWKHWRQHVKDYHEHHQVHQWWKHQRUPDOFRQ
YHUVDWLRQGLVSOD\ZLOOEHVKRZQ
'70)WRQHVFDQQRWEHVHQWZKHQDFDOOLVRQKROG
3DXVHIHDWXUH
7HOHSKRQHQXPEHUVDQGDVHTXHQFHRI'70)WRQHVFDQEHHQWHUHGLQWKHGLV
SOD\RUVWRUHGLQPHPRU\WRJHWKHUSURYLGHGWKH\DUHVHSDUDWHGE\D
SDXVH
$SDXVHLVHQWHUHGEHWZHHQQXPEHUVE\SUHVVLQJDQGKROGLQJGRZQ 7KH
OHWWHUSZLOODSSHDULQWKHGLVSOD\$Q\QXPEHURISDXVHVFDQEHVWRUHGWR
JHWKHUZLWKDPD[LPXPRIFKDUDFWHUVGHSHQGHQWXSRQWKH6,0DQG
WKHSKRQHVPHPRU\FDSDFLW\
*HQHUDORSHUDWLRQV
,QFDOORSWLRQV
+ROGLQJDQGUHWULHYLQJDFDOO
7RSXWDFDOORQKROGGXULQJFRQYHUVDWLRQ
3UHVV 7RUHWULHYHDFDOO
3UHVV 7RPDNHDVHFRQGFDOOZKHQRQHFDOOLVRQKROG
(QWHUDQXPEHULQWKHGLVSOD\3UHVV WRGLDOWKHQXPEHU
$IWHUWKHVHFRQGFDOOKDVEHHQHVWDEOLVKHGSUHVV WRVZDS
EHWZHHQWKHWZRFDOOV
7RHQGHLWKHUWKHFXUUHQWFDOORUWKHKHOGFDOOVHOHFW (QG
DFWLYHRU(QGKHOGFDOOLQWKH2SWLRQVPHQX7KHUHPDLQ
LQJFDOOLVDXWRPDWLFDOO\UHWULHYHG
3UHVV WRHQGWKHUHPDLQLQJFDOO
%RWKFDOOVFDQEHHQGHGDWWKHVDPHWLPHE\SUHVVLQJ 7KHDOWHUQDWLYHZD\WRKROGUHWULHYHDQGPDNHDVHFRQGFDOOGXULQJ
FRQYHUVDWLRQLVWRXVHWKH2SWLRQV IHDWXUHWRGLVSOD\DPHQXRI
WKHDFWLRQVGHVFULEHGDERYH6FUROOWRWKHUHTXLUHGRSWLRQDQGSUHVV
6HOHFW RU VHHDOVR´0XOWLSDUW\RUFRQIHUHQFHFDOOVµ
SDJH &DOOZDLWLQJVZDSSLQJDQGPXOWLSDUW\
FRQIHUHQFHFDOOV
&DOOZDLWLQJ
&DOOZDLWLQJLVDQHWZRUNIHDWXUHWKDWDOORZV\RXWRUHFHLYHDVHFRQG
LQFRPLQJFDOOZKHQDOUHDG\HQJDJHGRQDFDOO7KLVPHDQVWKDW\RXFDQ
SXWDQH[LVWLQJFDOO
RQKROG
ZKLOVW\RXDQVZHURUPDNHDVHFRQGFDOO
7RWXUQRQRURIIWKHFDOOZDLWLQJVHUYLFH
3UHVV 6HOHFW*606HUYLFHV
6HOHFW&DOO:DLWLQJ
6HOHFW$FWLYDWHRU&DQFHO$IWHUVRPHWLPH\RXUUHTXHVWLV
VHQWWRWKHQHWZRUNWKHGLVSOD\ZLOOFRQILUP\RXUUHTXHVW
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$FWLRQZKHQUHFHLYLQJDVHFRQGFDOO
:KHQDVHFRQGLQFRPLQJFDOOLVUHFHLYHG\RXZLOOKHDUD
GRXEOHEHHS
DQDQLPDWHGSKRQHLFRQZLOOEHGLVSOD\HGDVZHOODVWKHSKRQH
QXPEHULIDYDLODEOH(LWKHUSUHVV WRDQVZHUWKHFDOODQGSXWWKHILUVW
FDOORQKROGRUSUHVV5HMHFW WRUHMHFWWKHFDOODQGUHWXUQDEXV\
VLJQDOWRWKHFDOOHU3UHVV WRVZDSEHWZHHQWKHWZRFRQQHFWHG
FDOOV
0XOWLSDUW\RUFRQIHUHQFHFDOOV
7KLVIHDWXUHJLYHV\RXWKHDELOLW\WRPDNHRUUHFHLYHEHWZHHQWR
FDOOVDWWKHVDPHWLPHZLWKDOOSDUWLHVEHLQJDEOHWRKHDUDQGWDONZLWK
HDFKRWKHU
0DNHDQGHVWDEOLVKDFDOOLQWKHQRUPDOZD\DQGSUHVV (QWHUDQRWKHUQXPEHULQWRWKHGLVSOD\DQGSUHVV 7KH
ILUVWFDOOZLOOEHSXWRQKROGZKLOVWWKHVHFRQGFDOOEHFRPHV
DFWLYH
3UHVV2SWLRQV IRUWKHIROORZLQJPHQX
2SWLRQ
'HVFULSWLRQ
$XWR'70)
$OORZVD'70)VWULQJWREHHQWHUHGWRWKHDFWLYH
FDOORQO\
6ZDS
6ZDSVEHWZHHQDFWLYHDQGFDOORQKROG
-RLQVDFWLYHDQGFDOORQKROGWRPDNHDPXOWLSDU
W\RUFRQIHUHQFHFDOO
-RLQ
(QGKHOG
(QGDFWLYH
(QGDOO
(QGVWKHFDOORQKROG
(QGVWKHDFWLYHFDOODQGFRQQHFWVZLWKWKHFDOORQ
KROG
(QGVDOOWKHFDOOV
$OORZV\RXWRVHOHFWDQGKDYHDSULYDWHFRQYHUVD
3ULYDWHZLWK WLRQZLWKRQHRIWKHFRQIHUHQFHFDOOHUVZKLOVW
SXWWLQJDOOWKHRWKHUFDOOVRQKROG
,QFDOORSWLRQV
0XWH8QPXWH 7XUQVRQRURIIWKHPLFURSKRQH
+ROG5HWULHYH +ROGVRUUHWULHYHVWKHFRQIHUHQFHFDOO
(QGRQH
$OORZV\RXWRVHOHFWDQGHQGRQHRIWKHFRQIHU
HQFHFDOOSDUWLFLSDQWV
7KHVHLWHPVLQWKH2SWLRQVPHQXZLOODSSHDULIPRUHWKDQFDOOV
DUHMRLQHGLQWKHFRQIHUHQFHFDOO
7KURXJKRXWWKHFRQIHUHQFHFDOOWKHGLVSOD\ZLOOFRQILUPDQGVKRZ
WKHDFWLRQV\RXKDYHVHOHFWHGIURPWKHRSWLRQVPHQX
)RUDOWHUQDWHOLQHVHUYLFH$/6VXEVFULEHUVFRQIHUHQFHFDOOVFDQQRWEHPDGHEHWZHHQ/LQHDQG
/LQH)RUIXUWKHULQIRUPDWLRQVHH´3KRQHVHWWLQJVFXVWRPLVLQJ\RXUSKRQHµSDJHV
7KHPHQX00,V\VWHP
7KHSKRQHFRQWDLQVPDQ\IXQFWLRQVDQGIHDWXUHVWKDWFDQEHHQVHHQDQGHQ
WHUHGWKURXJKWKHHDV\WRXVHPHQXV\VWHPYLDWKHURXQGFXUVRUNH\
7KURXJK\RXU6,0FDUGWKHSKRQHLVDOVRDEOHWRGHWHFWDQGGLVSOD\LQWKH
PHQXIHDWXUHVWKDWKDYHEHHQUHTXHVWHGIURP\RXUVHUYLFHSURYLGHUDVZHOO
DVVXSSUHVVRQHVWKDWKDYHQRWEHHQVXEVFULEHGWRR
$FFHVVWRWKHPHQXV
)URPWKHVWDQGE\GLVSOD\DQGIRUFRQYHQLHQFHDOOVWRUHGWHOHSKRQHQXPEHUV
LQWKHSKRQHERRNFDQEHYLHZHGLPPHGLDWHO\E\SUHVVLQJ 7RHQWHUWKH
PDLQPHQXIURPWKHVWDQGE\GLVSOD\SUHVV $OORWKHUIXQFWLRQVDQGIHDWXUHVDUHWKHQVHOHFWHGE\DSUHVVRQ RU
6HOHFW 7RUHWXUQWRDSUHYLRXVPHQXSUHVV RUVKRUWSUHVV ([LW 7R
H[LWIURPWKHPHQXVSUHVVDQGKROG &OHDU RU LIQRFDOOLVLQSURJUHVV
0HQXPDS
/LVWRIWKHQDPHV
1HWZRUN6HUY
LQWKH6,0DQG
WKHSKRQH
‡$SSOLFDWLRQV
‡6HUYLFHV
9RLFH0DLO
‡,QIRUPDWLRQ
‡&DOO
‡1XPEHU
‡$OHUW
3KRQH%RRN
‡5HFDOO
‡6WRUH
‡5HPDLQLQJ
‡2ZQQXPEHUV
‡)L[HGGLDOOLQJ
0HVVDJHV
‡,QER[
‡2XWER[
‡:ULWHQHZ
‡6HWWLQJV
‡$OHUW
&DOOV7LPHV
‡&DOOVORJ
‡&DOOWLPHUV
‡&DOOFRVWV
‡/LQHVHOHFWLRQ
*606HUYLFHV
‡&DOO'LYHUWLQJ
‡&DOO:DLWLQJ
‡6HQGLQJP\,'
‡5HFHLYLQJFDOOHU,'
‡1HWZRUN
‡&DOOEDUULQJ
‡&8*
%URDGFDVW
‡2Q2II
‡0HVVDJHW\SHV
6HWWLQJV
‡$OHUW
‡.H\SDGORFN
‡/DQJXDJH
‡7RQHV
‡'LVSOD\
‡.H\V
‡$XWRIHDWXUHV
‡6HFXULW\
‡'HIDXOWVHWWLQJV
2IILFH7RROV
7KHPHQX00,V\VWHP
‡6FUDWFKSDG
‡&XUUHQF\FRQYHUWHU
7KHDYDLODELOLW\DQGDSSHDUDQFHRIWKHVHIHDWXUHVLQWKHPHQXDUH
GHSHQGHQWXSRQ\RXUVXEVFULSWLRQDQGWKHVHUYLFHVSURYLGHGE\\RXU
QHWZRUNRSHUDWRU
(QWHULQJWH[W
6RPHIHDWXUHVDQGIXQFWLRQVHJVWRUDJHRIQDPHVLQWRPHPRU\RUVHQGLQJ
606WH[WPHVVDJHVUHTXLUH\RXWRNQRZKRZWRHQWHUDQGHGLWWH[WLQWKH
GLVSOD\,QWKHGLVSOD\WKLVZLOOEHLQGLFDWHGE\
LQORZHUFDVHPRGHDQG
E\
LQXSSHUFDVHPRGH7H[WDQGDOSKDEHWFKDUDFWHUVFDQWKHQEH
HQWHUHGRUHGLWHGGLUHFWO\IURPWKHNH\SDG7KHFKDUDFWHUVDYDLODEOHZKLFK
DUHODQJXDJHGHSHQGHQWDUHVKRZQEHORZ
.H\
&KDUDFWHU
/RZHUFDVH
8SSHUFDVH
#"
DEF
$%&
GHI
'()
JKL
*+,
MNO
-./
PQR
012
STUV
3456
WXY
789
Z[\]
:;<=
6KRUWSUHVVFKDQJHVQH[WOHWWHUIURPXSSHUWRORZHUFDVHRU
YLFHYHUVD
/RQJSUHVVFKDQJHVDOOQH[WOHWWHUVWRXSSHURUORZHUFDVHRU
YLFHYHUVD
6KRUWSUHVVHQWHUVVSDFH/RQJSUHVVJLYHVDFFHVVWRVSHFLDO
FKDUDFWHUV
B#† !–…£¢
0RYHVWKHFXUVRUOHIWXSGRZQRUULJKW
$EULHISUHVVRQDQ\NH\ZLOOGLVSOD\WKHILUVWFKDUDFWHUDVVRFLDWHGZLWKWKDW
NH\DVZHOODVVKRZDOOWKHRWKHUDYDLODEOHFKDUDFWHUVDWWKHWRSRIWKHGLVSOD\
7RHQWHUWH[WSUHVVWKHNH\ZLWKWKHUHTXLUHGFKDUDFWHUUHSHDWHGO\XQWLOLW
DSSHDUVLQWKHGLVSOD\
$ORQJSUHVVZLOOHQWHUWKHILJXUHFRUUHVSRQGLQJWRWKHNH\
,IWZRFKDUDFWHUVDUHRQWKHVDPHNH\ZDLWIRUWKHGLVSOD\DWWRSRIVFUHHQWR
FOHDURUSUHVV EHIRUHSUHVVLQJWKHVDPHNH\DJDLQ
&RUUHFWPLVWDNHVE\DVKRUWSUHVVRQ &OHDU $ORQJSUHVVRQWKLVNH\ZLOO
GHOHWHDOOWKHWH[W
8VH RU WRORFDWHWKHFXUVRULQWKHWH[WWRLQVHUWFKDUDFWHUVRU
PDNHFRUUHFWLRQV
$ORQJSUHVVRQ JLYHVDFFHVVWRVSHFLDOFKDUDFWHUVVSUHDGRYHUSDJHV
'LVSOD\DQGVHOHFWLRQRIWKHFKDUDFWHUVLVDVIROORZV
7RVHOHFWDQGLQVHUWDFKDUDFWHULQWRWKHWH[W
7KHFKDUDFWHUVDUHDUUDQJHGDVWKHFKDUDFWHUVRIWKH
NH\SDG
,QWKLVH[DPSOHSUHVVLQJ ZRXOGVHOHFWDQGLQVHUWLW
GLUHFWO\LQWRWKHWH[W
8VH
RU
WRVFUROOWRWKHQH[WSDJH
7RHQWHU
&DUG
LQWKHGLVSOD\
‡ 3UHVV DQGVHOHFW0HVVDJHV
‡ 6HOHFW:ULWH1HZ
LVGLVSOD\HG3UHVV EULHIO\WKUHH
‡ 3UHVVDQGKROG XQWLO
WLPHV&ZLOODSSHDULQWKHGLVSOD\
‡ :DLWIRUWKHDYDLODEOHFKDUDFWHUVWRJRIURPWKHGLVSOD\SUHVVDQG
LVGLVSOD\HG3UHVV EULHIO\RQFHDZLOODSSHDU
KROG XQWLO
‡ 3UHVV EULHIO\WKUHHWLPHVUZLOODSSHDU
‡ 3UHVV EULHIO\RQFHGZLOODSSHDU7KHZRUG&DUGZLOOQRZEHLQ
WKHGLVSOD\
‡ 3UHVV WRH[LWIURPWKLVH[DPSOH
7KHPHQX00,V\VWHP
([DPSOH
1HWZRUNVHUYLFHV
<RXUQHWZRUNRSHUDWRUPD\SURYLGHYDOXHDGGHGVHUYLFHVDQGFRQWDFWSKRQH
QXPEHUV7KHVHVHUYLFHVDQGSKRQHQXPEHUVZLOOEHVWRUHGLQ\RXU6,0DQG
LIDYDLODEOHZLOOPRGLI\WKHPHQXRIWKHSKRQHWREHLQFOXGHGXQGHUWKHLWHP
1HWZRUN6HUYDWWKHEHJLQQLQJRIWKHPHQXFRQWDFW\RXUVHUYLFHSURYLGHU
IRUGHWDLOV
7KHUHZLOOEHWKUHHSRVVLEOHZD\VLQZKLFKDQRSHUDWRUPD\SUHVHQWWKHVH
YDOXHDGGHGVHUYLFHVDQGFRQWDFWSKRQHQXPEHUV
6,0DSSOLFDWLRQWRRONLW
$QDXWRPDWLFZD\WRSURYLGHVHUYLFHVUHODWHGWR\RXUQHWZRUNDQGQRW
WR\RXUSKRQH7KHVHVHUYLFHVZLOOEH6,0GHSHQGHQW
6'1QXPEHUVVWRUHGLQWKH6,0
8SWRQXPEHUVPD\EHVWRUHGLQWKH6,0ZKLFKFDQQRWEHFKDQJHG
E\WKHXVHU
,QIRUPDWLRQQXPEHUV
$OLVWRUDPHQXWRHQDEOH\RXWRFDOOQHWZRUNRULQIRUPDWLRQVHUYLFHV
RIIHUHGE\\RXUQHWZRUN
6RPHRSHUDWRUVZLOOEHDEOHWRSURYLGHWZRRIWKHDERYHVHUYLFHVRQWKHVDPH
6,0LQZKLFKFDVHWKH1HWZRUN6HUYLWHPLQWKHPDLQPHQXZLOOSURYLGH
WZRPHQXLWHPV$SSOLFDWLRQVDQG6HUYLFHVRU,QIRUPDWLRQ
9RLFHPDLO
<RXUQHWZRUNSURYLGHUPD\RIIHUDYRLFHPDLOVHUYLFHZKLFKRSHUDWHVOLNHDQ
DQVZHULQJPDFKLQH&RQWDFW\RXUVHUYLFHSURYLGHUIRUGHWDLOV
6WRULQJDYRLFHPDLOFHQWUHQXPEHU
,I\RXU6,0GRHVQRWDXWRPDWLFDOO\LQFOXGHWKHYRLFHPDLOFHQWUH
QXPEHULWZLOOKDYHWREHPDQXDOO\VWRUHG 3UHVV 6HOHFW9RLFH0DLO
6HOHFW1XPEHU:KHQSURPSWHGHQWHUWKHQXPEHU
PDQXDOO\RUIURPDVWRUHGPHPRU\
3UHVV2. WRYDOLGDWH\RXUHQWU\
3UHVV([LW WRUHWXUQWRDSUHYLRXVGLVSOD\RU WRUHWXUQ
WRWKHVWDQGE\GLVSOD\
,I\RXVXEVFULEHWRWKH
/LQH
VHUYLFHWKHYRLFHPDLOFHQWUHQXPEHUZLOOQHHGWREHVWRUHGVHSDUD
WHO\IRUWKDWOLQH
7KHYRLFHPDLOQXPEHULVDXWRPDWLFDOO\DVVLJQHGWRVSHHGGLDOORFDWLRQQXPEHUVHH´6SHHG
GLDOOLQJµRQSDJH
7XUQLQJRQRIIWKHYRLFHPDLODOHUWWRQH
,I\RXZLVKDWRQHWRVRXQGDOHUWLQJ\RXRIWKHUHFHLSWRIDYRLFHPDLO
PHVVDJH
3UHVV 6HOHFW9RLFH0DLO
6HOHFW$OHUW6HOHFW2QRU2II
3UHVV([LW WRUHWXUQWRDSUHYLRXVGLVSOD\ RU
WRWKHVWDQGE\GLVSOD\
WRUHWXUQ
&DOOLQJWKHYRLFHPDLOFHQWUHWRFKHFNIRUPHVVDJHV
7KHUHDUHWZRZD\V
‡ 7RGLDOWKHYRLFHPDLOFHQWUHGLUHFWO\DIWHUWKHUHFHLSWRIDPHVVDJH
3UHVVDQGKROGGRZQ
‡ $OWHUQDWLYHO\
3UHVV 6HOHFW9RLFH0DLO
6HOHFW&DOO
'LDOOLQJZLOOSURFHHGDVIRUDQRUPDOFDOO
,IDYRLFHPDLOQXPEHUKDVQRWEHHQVWRUHGZKHQ&DOOLVVHOHFWHG\RXZLOOEHDVNHGWRHQWHUWKH
YRLFHPDLOQXPEHU3URFHHGDVGHVFULEHGLQ´6WRULQJDYRLFHPDLOFHQWUHQXPEHUµSDJH
7KH6,0DQGWKHSKRQHKDYHDUHDVRIPHPRU\XVHGIRUVWRULQJQDPHVDQG
WHOHSKRQHQXPEHUVNQRZQDVWKHSKRQHERRN
7KHSKRQHKDVWKHFDSDFLW\WRVWRUHXSWRGLJLWVDQGDOSKDEHW
FKDUDFWHUVLQHDFKRILWVPHPRU\ORFDWLRQV7KHSKRQHDOVRVXSSRUWV6,0
FDUGVZLWKXSWRPHPRULHVEXWWKHDFWXDOQXPEHUDQGFDSDFLW\LV
GHSHQGHQWXSRQWKH6,0LWVHOI7KHSKRQHDQG6,0PHPRU\ORFDWLRQVDUH
LQWHUFRQQHFWHG%RWKWKH6,0DQGWKHSKRQHPHPRULHVDUHVHDUFKHGZKHQ
WKHUHFDOOIXQFWLRQLVXVHG
6WRULQJQDPHVDQGWHOHSKRQHQXPEHUV
1DPHVDQGQXPEHUVFDQEHVWRUHGGLUHFWO\LQWKHSKRQHERRNRU
PRYHGIURPRWKHUVWRUHGDUHDVVXFKDVIURP606PHVVDJHV
VFUDWFKSDGRUODVWGLDOOHGQXPEHUOLVWHWF
,WLVDGYLVDEOHWRVWRUHQXPEHUVLQLQWHUQDWLRQDOIRUPDWXVLQJWKH
SUHIL[EHIRUHWKHFRXQWU\FRGHIROORZHGE\WKHWHOHSKRQH
QXPEHU7KLVZLOOHQVXUHWKDWWKHQXPEHUFDQEHGLDOOHGIURP
ZLWKLQ\RXUKRPHFRXQWU\DVZHOODVDEURDG
7H[WHQWU\LVDVGHVFULEHGRQSDJH
7KHUHDUHWKUHHZD\VWRVWRUHQXPEHUVLQWRWKHSKRQHERRN
7KHPHQX00,V\VWHP
3KRQHERRN
‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
(QWHUWKHQXPEHU3UHVV6WRUH 6HOHFW3KRQHQDPHVRU6,0QDPHV
&RQILUPWKHQXPEHUE\SUHVVLQJ 2. (QWHUWKHQDPHLIUHTXLUHGDQGSUHVV 2. &RQILUPDWLRQ
RI\RXUHQWU\DQGWKHUHPDLQLQJORFDWLRQVZLOOEHEULHIO\GLV
SOD\HG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
‡ 8VLQJWKHPHQX
3UHVV 6HOHFW3KRQHERRN
6HOHFW6WRUH6HOHFW3KRQHQDPHVRU6,0QDPHV
(QWHUWKHQXPEHUDQGSUHVV 2. (QWHUWKHQDPHDQG
SUHVV2. &RQILUPDWLRQRI\RXUHQWU\DQGWKHUHPDLQLQJ
ORFDWLRQVZLOOEHEULHIO\GLVSOD\HG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
‡ )URPRWKHUVWRUHGORFDWLRQV
1XPEHUVVWRUHGLQWKHODVWGLDOOHGUHFHLYHGXQDQVZHUHGVFUDWFKSDG
DQG606PHVVDJHORFDWLRQVFDQDOOEHVWRUHGLQWRWKHSKRQHERRN
'LVSOD\DQXPEHUIURPRQHRIWKHDERYHSUHVV 2SWLRQV )ROORZWKHGLVSOD\LQVWUXFWLRQVDVIRUSRLQWLQWKHSUHYLRXV
LWHP
'XULQJQXPEHUDQGQDPHHQWU\DVKRUWSUHVVRQ&OHDUZLOOFOHDUWKHODVWFKDUDFWHU$ORQJSUHVVZLOO
FOHDUWKHZKROHGLVSOD\
7KHFKDUDFWHUV3SDXVHDQGBFDQEHVWRUHGWRJHWKHUZLWK
QXPEHUV,IWKH6,0RUSKRQH
VPHPRU\LVIXOODZDUQLQJPHVVDJHZLOO
EHGLVSOD\HGZKHQVHOHFWLQJWKHSKRQHERRN
)UHHVSDFHLQWKHSKRQHERRNV
7RVHHKRZPDQ\HPSW\SKRQHERRNVSDFHVUHPDLQLQWKH6,0RUWKH
SKRQH
3UHVV
6HOHFW3KRQHERRN
6HOHFW5HPDLQLQJDQGXVH RU WRGLVSOD\WKHUHPDL
QLQJPHPRULHVLQWKHSKRQHRU6,0 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
,IDYDLODEOHWKHIUHHPHPRULHVLQWKH)'1OLVWZLOODOVREHVKRZQ
9LHZLQJDQGFDOOLQJQXPEHUVLQWKHSKRQHERRN
3KRQHERRNHQWULHVFDQEHUHFDOOHGLQWRWKHGLVSOD\WREHHGLWHGGH
OHWHGFRSLHGPRYHGRUFDOOHGWRRUIURPHLWKHUWKHSKRQHRU6,0
7KHUHDUHWZRZD\VWRYLHZDQGFDOOQXPEHUVLQWKHSKRQHERRN
‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\
3UHVV
WRGLVSOD\WKHSKRQHERRNOLVW
‡ 8VLQJWKHPHQX
3UHVV DQGVHOHFW3KRQHERRN
6HOHFW5HFDOO
(LWKHUSUHVV2. RUHQWHUXSWRWKHILUVWLQLWLDOVRIWKH
QDPHUHTXLUHGDQGWKHQSUHVV 2. ,IQRLQLWLDOZDVHQWHUHGWKHGLVSOD\ZLOOVKRZWKHILUVWDOSKDEHW
HQWU\LQWKHSKRQHERRN7KHOLVWRISKRQHERRNHQWULHVZLOOEHGLV
SOD\HGLQDOSKDEHWLFDORUGHUWRJHWKHUZLWKWKHWHOHSKRQHQXPEHU
DQGZKHWKHUVWRUHGLQWKH6,0RUWKHSKRQHPHPRU\
3UHVV WRGLDOWKHQXPEHU
3UHVVLQJ RU ZLOOVFUROOWKURXJKWKHSKRQHERRN
7RJRGLUHFWO\WRDQRWKHUHQWU\SUHVVWKHFRUUHVSRQGLQJDOSKDEHW
NH\)RUH[DPSOHWRJRGLUHFWO\WRHQWULHVVWDUWLQJZLWK
1
SUHVV WZLFH
3UHVVLQJ2SWLRQV ZLOOGLVSOD\WKHIROORZLQJPHQXFKRLFHV
,WHP
(GLW
'HOHWH
&RS\
0RYH
&DOO
3UHVV([LW
)XQFWLRQ
(GLWVWKHQDPHDQGQXPEHUHQWU\
'HOHWHVWKHHQWU\
&RSLHVWKHHQWU\WRWKH6,0RUWKHSKRQHRUYLFH
YHUVD(GLWLQJDOORZHGEHIRUHFRS\LQJ
0RYHVWKHHQWU\WRDQRWKHUSRVLWLRQ(GLWLQJDO
ORZHGEHIRUHPRYLQJ
&DOOVWKHQXPEHUGLVSOD\HG
RU
WRUHWXUQWRWKHQRUPDOGLVSOD\
2ZQQXPEHUGLVSOD\
7KHSKRQHFDQGLVSOD\\RXUPDLQ
/LQH
YRLFHPRELOHQXPEHUWKH
YRLFHPRELOHQXPEHUIRU/LQH$OWHUQDWH/LQH6HUYLFHDQG\RXUGDWD
DQGID[QXPEHUV7KHVHQXPEHUVLIDYDLODEOHDUHVWRUHGLQWKH6,0
,IQRWWKHQWKH\FDQEHHQWHUHGPDQXDOO\1XPEHUVFDQEHJLYHQ
QDPHV/LQHIRUH[DPSOHFDQEHQDPHG
2IILFH
HWF
7RYLHZQDPHDQGHGLW\RXURZQQXPEHUV
3UHVV 6HOHFW3KRQHERRN
6HOHFW2ZQ1XPEHUV7KHPRELOHQXPEHUIRU/LQHZLOOEH
GLVSOD\HG
8VH RU WRYLHZOLQHGDWDDQGID[QXPEHUV
7RDGGRUHGLWDQDPHRUQXPEHUSUHVV (GLW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00,V\VWHP
)L[HGGLDOOLQJQXPEHUV)'1
)L[HGGLDOOLQJLVDIHDWXUHWKDWUHVWULFWVRXWJRLQJFDOOVWR
IL[HG
QXP
EHUVRU
SUHIL[HV
FRQWDLQHGLQ6,0VWKDWVXSSRUWWKLVIHDWXUH:KHQ
WXUQHGRQGLDOOLQJQXPEHUVQRWLQWKH)'1OLVWZLOOQRWEHDOORZHG
7KHPD[LPXPQXPEHURI)'1QXPEHUVWKDWFDQEHVWRUHGLVGHSHQG
HQWXSRQWKHFDSDFLW\RIWKH6,0&DOOGLYHUWLQJDQGVHQGLQJ606
PHVVDJHVWRQXPEHUVQRWLQWKH)'1OLVWZLOOEHSUHYHQWHG7XUQLQJ
RQRUHQWHULQJQXPEHUVLQWRWKH)'1OLVWLV3,1SURWHFWHG
7RWXUQRQRURII)'1RSHUDWLRQ
3UHVV 6HOHFW3KRQHERRN
6HOHFW)L[HG'LDOOLQJ6HOHFW6WDWXV
6HOHFW2QRU2II(QWHUWKH3,1QXPEHU
3UHVV2. WRYDOLGDWHDQGFRQILUPWKHVHWWLQJ
7RYLHZWKHQXPEHUVLQWKHOLVW ,
3UHVV 6HOHFW3KRQHERRN
6HOHFW)L[HG'LDOOLQJ
3UHVV 6HOHFW3KRQHERRN
6HOHFW)L[HG'LDOOLQJ
6HOHFW$GG1HZ<RXZLOOEHSURPSWHGWRHQWHUWKH3,1
QXPEHULILWKDVQRWEHHQHQWHUHG\HW,WLVQRZSRVVLEOHWR
DGGQHZQXPEHUVDVZHOODVHGLWGHOHWHDQGFRS\QXPEHUV
WRWKHSKRQHRU6,0
6HOHFW9LHZDQGXVH RU WRYLHZDOOWKHHQWULHV3UHV
VLQJ2SWLRQV ZLOODOORZ\RXWRHGLWGHOHWHDQGFRS\
QXPEHUVWRWKHSKRQHRU6,0
7RHQWHUHGLWRUGHOHWHQXPEHUVLQWKH)'1OLVW ,
:LOGFDUGVSDFHVFDQEHXVHGZLWKWKHQXPEHUVVWRUHGLQWKH)'1OLVW)RUH[DPSOHWKHQXPEHU
BBZLOODOORZFDOOVWRDOOQXPEHUVEHWZHHQWRWREHGLDOOHG
7KHQXPEHUFDQEHHGLWHGDQGGLDOOHGLQWKHVWDQGE\GLVSOD\
6SHHGGLDOOLQJ
3KRQHERRNQXPEHUVFDQEHDVVLJQHGWRNH\VZKLFKZKHQKHOG
GRZQZLOOGLDOWKRVHQXPEHUV LVUHVHUYHGH[FOXVLYHO\IRUWKHYRLFH
PDLOQXPEHUDQGLVDVVLJQHGDXWRPDWLFDOO\ZKHQWKHYRLFHPDLO
QXPEHULVVWRUHGVHH´9RLFHPDLOµSDJH1XPEHUVVWRUHGLQWKH
6,0DQGLQWKHSKRQHIL[HGGLDOOLQJQXPEHUVH[FHSWHGFDQEH
VHOHFWHG
7RDVVLJQSKRQHERRNQXPEHUVWRWKHVSHHGGLDOOLQJNH\V
3UHVV 6HOHFW6HWWLQJV
6HOHFW.H\V
6HOHFW6SHHG'LDO
8VH RU WRVFUROOWRWKHQH[WNH\
6HOHFW1DPHV WRFKRRVHWKHSKRQHERRNHQWU\DQG
SUHVV WRYDOLGDWH\RXUFKRLFH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
,IDQXPEHUZKLFKKDVEHHQDVVLJQHGWRDVSHHGGLDONH\LVGHOHWHGIURPWKHSKRQHERRNWKH
FRUUHVSRQGLQJQXPEHULVDXWRPDWLFDOO\GHOHWHGIURPWKHVSHHGGLDONH\
0HVVDJHV606
7KH606PHVVDJHVHUYLFHHQDEOHV\RXWRVHQGRUUHFHLYHVKRUWWH[WPHVVDJHV
RIXSWRFKDUDFWHUVWRRUIURPRWKHUPRELOHSKRQHVSURYLGHGZLWKWKH
VDPHFDSDELOLW\7KHPHVVDJHVDUHQRWVHQWGLUHFWO\WRWKHRWKHUPRELOHSKRQH
EXWJRYLDDPHVVDJHFHQWUHSURYLGHGE\\RXUQHWZRUNRSHUDWRU<RXFDQDOVR
VWRUHHGLWDQGIRUZDUGPHVVDJHVDVZHOODVVDYLQJDQ\RIWKHQXPEHUVWKH\
PD\FRQWDLQ
5HDGLQJDUHFHLYHG606PHVVDJH
:KHQWKHSKRQHUHFHLYHVDQ606PHVVDJHDQHZ606DOHUWWRQHZLOO
VRXQGDQG ZLOOEHGLVSOD\HG7KHPHVVDJHLVDXWRPDWLFDOO\VWRUHG
LQWKH6,0,I LVIODVKLQJWKHUHLVQRPRUHVSDFHLQWKH6,0WRVWRUH
PHVVDJHV'HOHWHSUHYLRXVPHVVDJHVWRPDNHVSDFHIRUQHZRQHV
3UHVV5HDG
WRUHDGDOOUHFHLYHGPHVVDJHV,QER[
3UHVV 6HOHFW0HVVDJHV
6HOHFW,Q%R[WRGLVSOD\WKHILUVWPHVVDJHKHDGHU
3UHVV RUVHOHFW2SWLRQV 5HDGWH[WWRUHDGWKHPHV
VDJHWH[W
,WLVQRZSRVVLEOHWRUHDGDOOVWRUHGPHVVDJHV8VHWKHDUURZNH\VWR
VFUROOEHWZHHQSDJHVRUEHWZHHQPHVVDJHV8QUHDGPHVVDJHVDUHLQ
GLFDWHGE\ SUHYLRXVO\UHDGPHVVDJHVDUHVKRZQE\ 0DQDJLQJUHFHLYHGDQGVWRUHG606PHVVDJHV
$IWHUUHDGLQJWKH606PHVVDJHSUHVV 2SWLRQV
PHQX
,WHP
5HDGWH[W
'HOHWH
5HSO\
)RUZDUG
1XPEHUV
IRUWKHIROORZLQJ
)XQFWLRQ
'LVSOD\VWKHUHPDLQGHURIWKHWH[W
'HOHWHVWKHPHVVDJH
5HSO\WRWKHVHQGHURIWKHPHVVDJH
)RUZDUGVWKHPHVVDJHWRDQRWKHUXVHU
6WRUHVRUFDOOVWKHQXPEHUVFRQWDLQHGLQ
WKH606KHDGHURUWH[W
7KHPHQX00,V\VWHP
5HDGLQJVWRUHG606PHVVDJHV
7KHLWHPVRIWKLVPHQXPD\YDU\DQGDUHGHSHQGHQWXSRQWKHW\SHRIPHVVDJHUHFHLYHG
7XUQLQJRQRURIIWKHPHVVDJHDOHUWWRQH
(DFKWLPHDPHVVDJHLVUHFHLYHGDQHZ606DOHUWWRQHZLOOVRXQG7R
WXUQRQRURIIWKLVWRQH
3UHVV 6HOHFW0HVVDJHV
6HOHFW$OHUW6HOHFW2QRU2II
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
3UHSDULQJWKHSKRQHWRVHQG606PHVVDJHV
<RXFDQZULWHDQGVHQGWH[WPHVVDJHV%HIRUHGRLQJVRWKHQHWZRUNV
PHVVDJHFHQWUHQXPEHUREWDLQDEOHIURP\RXUVHUYLFHSURYLGHU
QHHGVWREHVWRUHG
3UHVV 6HOHFW0HVVDJHV
6HOHFW6HWWLQJV
6HOHFW0VJ&HQWUH
,IDQXPEHUDOUHDG\DSSHDUVLWPHDQVWKDWLWZDVWDNHQGLUHFWO\
IURPWKHLQIRUPDWLRQVWRUHGLQ\RXU6,0,IHPSW\HQWHUWKH
QXPEHUPDQXDOO\LQLQWHUQDWLRQDOIRUPDWRUIURPDVWRUHGPHP
RU\
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
,IUHTXLUHG\RXFDQDOVRFKRRVHWKHYDOLGLW\SHULRGIRUPDWSDLGUHSO\
UHTXHVWDQGUHTXHVWD'HOLYHU\UHSRUW'HIDXOWVHWWLQJVDUHDVVXPHGLI
QRWVHW
2SWLRQ
'HVFULSWLRQ
7LPHKHOGDWPHVVDJHFHQWHUKUV
9DOLGLW\
GD\GD\VRU0D[LPXPGHILQHGE\
3HULRG
RSHUDWRU
6HOHFWVIRUPDWRIPHVVDJHWH[WYRLFH
)RUPDW
ID[RUSDJHU
3DLG
5HSO\UHTXHVWHG
5HSO\WR
6WDWXV
'HOLYHU\UHSRUW
UHSRUWWR
'HIDXOW
0D[LPXP
7H[W
2II
2II
6HQGLQJDQHZ606PHVVDJH
3UHVV 6HOHFW0HVVDJHV
6HOHFW:ULWH1HZ
(QWHUWKHPHVVDJHWH[WDQGSUHVV 2. 6HOHFW6HQGRU6WRUH
,I\RXVHOHFWHG6HQGHQWHUWKHGHVWLQDWLRQQXPEHURUVHOHFW
1DPHV WRFKRRVHDQXPEHUIURPDSKRQHERRNHQWU\
DQGSUHVV WRYDOLGDWH\RXUFKRLFH3UHVV 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
,IWKHVWDWXVLVUHTXHVWHGRQDGHOLYHUHGPHVVDJHWKHGDWHDQGWLPH
RIGHOLYHU\PD\EHVKRZQ,IWKHVWDWXVLVUHTXHVWHGRQDVHQWPHV
VDJHDVWDWXVUHTXHVWZLOOEHVHQWWRWKHQHWZRUNPXVWEHQHWZRUN
VXSSRUWHG7KHQHWZRUNZLOODQVZHUE\VHQGLQJDVWDWXVUHSRUW65
EDFNWRWKHSKRQHZKLFKFDQEHDFNQRZOHGJHGE\SUHVVLQJ 2. 7RDFWLRQDVWDWXVUHTXHVWRQRXWER[PHVVDJHV
3UHVV2SWLRQV
7KHIROORZLQJPHQXZLOOEHGLVSOD\HG
,WHP
'HOHWH0VJ
$FWLRQ
'HOHWHVWKHFRUUHVSRQGLQJVHQW606PHVVDJH
DQGWKHVWDWXVUHSRUW
7RDFNQRZOHGJHWKHVWDWXVUHSRUWDQGFOHDU
&OHDU
WKHGLVSOD\
$VVRFLDWHGPVJ 'LVSOD\VWKHFRUUHVSRQGLQJVHQW606PHVVDJH
6HOHFWWKHDFWLRQUHTXLUHGDQGSUHVV 2.
7KHPHQX00,V\VWHP
6WDWXVUHTXHVWRQRXWER[PHVVDJHV
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
7KLVIHDWXUHVWRUHVGHWDLOVRIWKHODVWQXPEHUVGLDOOHGWKHODVWUH
FHLYHGXQDQVZHUHGFDOOVDQGWKHODVWUHFHLYHGFDOOV7KHFDOOORJVDUH
FRPPRQIRUERWK/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\
,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
$OO&DOOV
IRU/LQHDQG/LQHZLOOEHGLVSOD\HGVHSDUDWHO\
%DODQFHLQIRUPDWLRQVXEVFULSWLRQVHUYLFHRQO\
7KLVLVDVXEVFULSWLRQVHUYLFHSURYLGHGE\VRPHQHWZRUNVDQGHQDEOHV
\RXWRDVNIRU\RXUUHPDLQLQJDLUWLPHEDODQFH7KLVLQIRUPDWLRQLV
VHQWE\WKHQHWZRUN
&RQWDFW\RXUVHUYLFHSURYLGHURQDYDLODELOLW\DQGGHWDLOV
7KHPHQX00,V\VWHP
3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOO7LPHUV
6HOHFW%DODQFHLQIRUPDWLRQ
6HOHFW&DOORU6HW1XPEHU
,I&DOOLVVHOHFWHGDQGWKHEDODQFHLQIRUPDWLRQQXPEHUKDV
DOUHDG\EHHQHQWHUHGDFDOOZLOOEHPDGHWRWKHEDODQFH
LQIRUPDWLRQFHQWUH,IDQXPEHUKDVQRWEHHQHQWHUHGVHOHFW 6HW
1XPEHUDQGHQWHUWKHQXPEHU3UHVV2. WRVWRUH\RXU
QXPEHURU WRVWRUHDQGFDOOWKHLQIRUPDWLRQFHQWUHQXPEHU
3UHVV
ZKHQWKHFDOOLVFRPSOHWHG
&DOOWLPHUUHVHW
7KLVIHDWXUHHQDEOHV\RXWRUHVHWDOOWKHFDOOWLPHUV<RXZLOOQHHGWKH
GLJLWORFNFRGHWRRSHUDWHWKLVIHDWXUH
3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOO7LPHUV
6HOHFW5HVHW
6HOHFW<HVRU1R
(QWHUWKHSKRQHORFNFRGHDQGSUHVV 2. 7KHDFWLRQZLOO
EHFRQILUPHG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
&DOOFRVWVPDQDJHPHQWVXEVFULSWLRQVHUYLFHRQO\
6RPHQHWZRUNVRIIHUDQ$GYLFHRI&KDUJH$R&VXEVFULSWLRQVHUYLFH
LQZKLFKLWLVSRVVLEOHWRVHHWKHFRVWRIWKHODVWFDOOPDGHWKHDFFX
PXODWHGWRWDOFRVWRIDOOFDOOVDQGWKHUHPDLQLQJEDODQFHLQXQLWVRU
FXUUHQF\RIDQ\
FRVWOLPLW
VHWE\WKHXVHU
7RGLVSOD\WKHVHFRVWVLQWKHFXUUHQF\RI\RXUFKRLFH\RXPXVWILUVWVH
OHFWWKHFXUUHQF\DQGFRVWSHUXQLWRWKHUZLVHFDOOFRVWVLQXQLWVZLOOEH
GLVSOD\HG
7RVHWFXUUHQF\DQGFRVWSHUXQLW 3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOOFRVWV
6HOHFW'LVSOD\FRVWW\SH
6HOHFW&XUUHQF\7KHSUHVHQWFXUUHQF\VHWWLQJVZLOOEHGLV
SOD\HG
3UHVV(GLW (QWHUWKH3,1FRGHDQGSUHVV 2. (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
6HWWLQJWKHFUHGLWOLPLWLQXQLWVRUFXUUHQF\
$IWHUVHWWLQJWKHFXUUHQF\DQGFRVWSHUXQLWLIUHTXLUHGDQGDYDLODEOH
RQ\RXUVXEVFULSWLRQ\RXDUHDOVRDEOHWRVHWDFUHGLWOLPLWLQXQLWVRU
DQDPRXQWLQWKHFXUUHQF\RI\RXUFKRLFH:KHQWKHFUHGLWOLPLWLV
UHDFKHGWKHSKRQHZLOOEHSUHYHQWHGIURPPDNLQJDQGUHFHLYLQJDOO
FKDUJHDEOHFDOOV7KLVZLOOQRWSUHYHQWWKHSKRQHIURPPDNLQJHPHU
JHQF\FDOOV
3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOOFRVWV
6HOHFW&UHGLW/LPLW7KHGLVSOD\ZLOOVKRZWKHSUHVHQWFUHGLW
OLPLWVHWWLQJ
3UHVV(GLW (QWHUWKH3,1FRGHDQGSUHVV 2. (QWHUWKHFUHGLWOLPLWXVH WRHQWHUDGHFLPDOSRLQW3UHVV
2. WRYDOLGDWH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
:KHQDFUHGLWOLPLWLVHQWHUHGWKHVHOHFWLRQIURPWKH
&UHGLW/LPLW
GLVSOD\ZLOOEH(GLWRU6HW1R
/LPLW
3UHVV 6HOHFW&DOOV7LPHV
6HOHFW&DOOFRVWV
6HOHFW6KRZ
8VH RU WRGLVSOD\WKHFRVWRIWKH/DVW&DOO$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\
7KHPHQX00,V\VWHP
6KRZFRVWV
$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$FWLYDWH
8VH RU WRFKRRVHEHWZHHQ9RLFH0DLO1DPHVRU
1XPEHU
3UHVV6HOHFW RU WRYDOLGDWH\RXUVHOHFWLRQ
7KHGLVSOD\ZLOOFRQILUP\RXUUHTXHVW
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
,IWKH
2Q1R5HSO\
RSWLRQLVVHOHFWHG\RXZLOOEHUHTXHVWHGWRHQWHUDGHOD\SHULRGRIRU
VHFRQGV
&DOOGLYHUWVIRUERWK/LQHDQG/LQHPXVWEHVHWIRUHDFKOLQH'XULQJFDOOGLYHUWSURJUDP
PLQJRQO\WKHOLQHFXUUHQWO\VHOHFWHGLVDIIHFWHGE\WKHFDOOGLYHUWVHOHFWHG7RFDUU\RXWDFDOO
GLYHUWRQWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH
7RWXUQRIIRUFKHFNWKHVWDWXVRIFDOOGLYHUW
3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOOGLYHUWLQJ
6HOHFWIURPWKHGLYHUWRSWLRQVDQG SUHVV 6HOHFW&DQFHORU6WDWXV
<RXUVHOHFWLRQZLOOEHFRQILUPHG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RFDQFHODOOPXOWLSOHGLYHUWV
3UHVV 6HOHFW*606HUYLFHV6HOHFW&DOO'LYHUWLQJ
6HOHFW&DQFHODOO
&RQILUPDWLRQZLOOEHGLVSOD\HG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KLVDFWLRQFDQFHOVDOOYRLFHGLYHUWVIRUYRLFHID[HVDQGGDWDFDOOVIRUWKHOLQHFXUUHQWO\LQXVH7R
FDQFHOFDOOGLYHUWVIRUWKHRWKHUOLQH\RXPXVWVHOHFWWKLVRWKHUOLQHILUVWPHQX&DOOV7LPHV/LQH
VHOHFWLRQ
&DOOHU/LQH,GHQWLW\VKRZLQJKLGLQJ\RXUPRELOHQXPEHU
0RVWQHWZRUNVDOORZWKH&DOOHU/LQH,GHQWLW\IHDWXUH&/,LHWKHIHD
WXUHZKLFKVKRZVWKHLQFRPLQJQXPEHU,'ZKLOHUHFHLYLQJDFDOO6H
OHFWLQJ5HFHLYLQJFDOOHU,'ZLOODOORZ\RXWRFKHFNWKHDYDLODELOLW\RI
VXFKDIHDWXUH
5HFHLYLQJFDOOHU,'
7KLVIHDWXUHHQDEOHV\RXWRILQGRXWZKHWKHUDQHWZRUNSUHVHQWVWKH
,'RILQFRPLQJFDOOV .
7KHPHQX00,V\VWHP
3UHVV 6HOHFW*606HUYLFHV
6HOHFW5HFHLYLQJFDOOHU,'
7KHQHWZRUNZLOOUHWXUQHLWKHU&DOOLQJXVHU,'DYDLODEOHRU
&DOOLQJXVHU,'XQDYDLODEOH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
2QQHWZRUNVZKLFKDOORZFDOOHUOLQHLGHQWLW\\RXFDQGLVDEOHWKHVHQG
LQJRI\RXURZQQXPEHURQDFDOOE\FDOOEDVLVE\DGGLQJEH
IRUHWKHQXPEHU\RXDUHFDOOLQJ$OWHUQDWLYHO\\RXFDQDVN\RXUVHUYLFH
RSHUDWRUWRDOZD\VGLVDEOHWKHVHQGLQJRI\RXUPRELOHQXPEHU,QWKLV
FDVHLI\RXZLVKWRUHYHDO\RXUQXPEHURQDFDOOE\FDOOEDVLV\RXFDQ
GRVRE\DGGLQJEHIRUHWKHQXPEHU\RXZLVKWRFDOO
6WDQGDUGQHWZRUNVHWWLQJ
7RUHVHWWKHVWDQGDUGQHWZRUNVHWWLQJIRUVHQGLQJ\RXUPRELOH,'
3UHVV 6HOHFW*606HUYLFHV
6HOHFW6HQGLQJP\,'
6HOHFW0\VHWWLQJV
6HOHFW3UHVHW7KHSKRQHZLOOUHVHWWRWKHQHWZRUNVHWWLQJ
DJUHHGZLWK\RXUVHUYLFHSURYLGHU
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
+LGLQJRUVKRZLQJ\RXUQXPEHU
3UHVV 6HOHFW*606HUYLFHV
6HOHFW6HQGLQJP\,'
6HOHFW0\VHWWLQJV
6HOHFW+LGHP\,'RU6KRZP\,'
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
)LQGLQJRXW\RXUFXUUHQW,'VHWWLQJ
3UHVV 6HOHFW*606HUYLFHV
6HOHFW6HQGLQJP\,'
6HOHFW6WDWXV
7KHSKRQHZLOOGLVSOD\\RXUFXUUHQWVHWWLQJWDNLQJLQWR
DFFRXQWERWKQHWZRUNDQGSKRQHVHWWLQJV
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
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
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\
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
3UHVV WRFRQILUPWKHVHOHFWLRQ
5HTXHVWLQJIROORZHGE\WKHQDPHRIWKHQHWZRUNZLOOEH
VKRZQDIWHUZKLFKWKHSKRQHZLOOUHWXUQWRWKHVWDQGE\GLV
SOD\
RU
WRVHOHFWDQHWZRUNIURPWKHOLVWVKRZQ
7KHPHQX00,V\VWHP
<RXU6,0PD\FRQWDLQDIRUELGGHQOLVWRIQHWZRUNVZKLFKFDQQRWEH
XVHG7RYLHZWKHIRUELGGHQOLVWRUVKRZWKHKRPHQHWZRUN
<RXFDQQRWGHOHWHDQHWZRUNIURPWKHIRUELGGHQOLVW7KLVOLVWZLOOEHDXWRPDWLFDOO\XSGDWHGZKHQ
WKHPDQXDOQHWZRUNVHOHFWLRQLVSHUIRUPHG
6HOHFWLQJDXWRPDWLFVHDUFKQRUPDOGHIDXOWVHWWLQJ
7RSHUIRUPDQDXWRPDWLFVHDUFKIURPWKHSUHIHUUHGOLVWSURFHHGDV
IROORZV
3UHVV 6HOHFW*606HUYLFHV
6HOHFW1HWZRUN
6HOHFW6HDUFK
6HOHFW$XWRPDWLF
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
&DOOEDUULQJQHWZRUNVHUYLFH
7KLVLVDQHWZRUNVHUYLFHZKLFKDOORZV\RXWRVWRSGLIIHUHQWW\SHVRI
FDOOVEHLQJPDGHDQGUHFHLYHGRQWKHSKRQH
,WUHTXLUHVWKHXVHRIDQHWZRUNEDUULQJSDVVZRUGDYDLODEOHRQO\IURP
\RXUVHUYLFHSURYLGHU
7RSXWRQDFDOOEDU
3UHVV 6HOHFW6HUYLFHV
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(QWHUWKHSDVVZRUGDQGSUHVV 6HOHFW
7KHQHWZRUNZLOOFRQILUPWKHVHOHFWLRQ
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RWDNHRIIRUFKHFNWKHVWDWXVRIDFDOOEDU
3UHVV 6HOHFW*606HUYLFHV
6HOHFW&DOO%DUULQJ
8VH RU WRVHOHFWWKHEDUWREHWDNHQRII&DQFHORU
FKHFNWKH6WDWXVDQGSUHVV ,IFKRRVLQJWRWDNHRIIDFDOOEDUWKHSDVVZRUGZLOOEH
UHTXLUHG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RFKDQJHWKHSDVVZRUG ,
3UHVV 6HOHFW*606HUYLFHV
6HOHFW&DOOEDUULQJ
6HOHFW&KDQJHSDVVZRUG
7KHROGSDVVZRUGZLOOEHUHTXHVWHGIROORZHGE\WZR
UHTXHVWVWRHQWHUWKHQHZSDVVZRUG&RQILUPDWLRQZLOOEH
GLVSOD\HG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
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
7KHPHQX00,V\VWHP
&ORVHGXVHUJURXS&8*VXEVFULSWLRQVHUYLFHRQO\
8VH RU WRVHOHFWWKHUHTXLUHGRSWLRQ3UHVV )ROORZWKHGLVSOD\SURPSWV
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
1R&8*
LVWKHVHWWLQJIRUQRUPDOXVH
%URDGFDVWFHOOEURDGFDVW&%PHVVDJHV
7KHVHDUHPHVVDJHVEURDGFDVWE\WKHQHWZRUNVWRDOO*60XVHUVDQGPD\SUR
YLGHJHQHUDOLQIRUPDWLRQDERXWORFDODUHDGLDOOLQJFRGHVZHDWKHUUHSRUWVDQG
WUDIILFQHZVHWF(DFKW\SHRIPHVVDJHLVQXPEHUHGHQDEOLQJ\RXWRVHOHFWWKH
W\SHRILQIRUPDWLRQ\RXZDQWWRUHFHLYH8SWRGLIIHUHQWW\SHVRIPHVVDJHV
FDQEHSURJUDPPHGLQWR\RXUVHOHFWLRQOLVWEXWRQO\RQHFDQEHGLVSOD\HGDW
DQ\RQHWLPH
7KHUHDUHVWDQGDUGPHVVDJHW\SHVSUHSURJUDPPHGLQWRWKHSKRQHWRVH
OHFWIURP1HZPHVVDJHW\SHVFDQEHSURJUDPPHGLQWRWKHVHOHFWLRQOLVWXV
LQJWKHGLJLWFHOOEURDGFDVWW\SHQXPEHU&RQWDFW\RXUVHUYLFHSURYLGHUIRU
GHWDLOVRQWKHQXPEHUDQGW\SHVRIPHVVDJHVEURDGFDVW
%HIRUH\RXFDQWXUQRQWKHEURDGFDVWVHUYLFH\RXKDYHWRSXWDWOHDVWRQH
PHVVDJHW\SHLQWRWKHVHOHFWLRQOLVW
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\
7RWXUQRQRURIIWKHEURDGFDVWVHUYLFH
3UHVV 6HOHFW%URDGFDVW
6HOHFW2Q2II
6HOHFW2QRU2II
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
5HDGLQJEURDGFDVWPHVVDJHV
%URDGFDVWPHVVDJHVDUHVKRZQLQWKHVWDQGE\GLVSOD\RQO\DQGDUH
VXSSUHVVHGGXULQJFRQYHUVDWLRQRUPHQXRSHUDWLRQ$PHVVDJHFDQ
EHXSWRFKDUDFWHUVLQOHQJWKDQGFRYHUVHYHUDOSDJHV3DJHVZLOO
DXWRPDWLFDOO\FKDQJHDSSUR[LPDWHO\HYHU\ILYHVHFRQGVRUE\DSUHVV
RQ 2SWLRQVGXULQJPHVVDJHGLVSOD\
$SUHVVRQ([LW ZLOOFOHDUWKH&%FXUUHQWO\GLVSOD\HG
3UHVVLQJ ZLOOGLDOWKHQXPEHUVKRZQLQWKHGLVSOD\ZLWKLQWKH
PHVVDJH
3UHVVLQJ2SWLRQV ZLOOGLVSOD\WKHIROORZLQJPHQX
2SWLRQ
'HOHWH
'HOHWH$OO
1XPEHUV
%URDGFDVW
2II
$FWLRQ
'HOHWHWKHFXUUHQWPHVVDJH
'HOHWHVDOOPHVVDJHVVWRUHGLQWKHTXHXH
'LVSOD\VDOOSKRQHQXPEHUVIRXQGLQWKH
PHVVDJHWH[WDQGDOORZVWRGLDORUVWRUH
WKHPLQWKHVFUDWFKSDGLIUHTXLUHG
7XUQVRIIFHOOEURDGFDVW
7RWXUQRQRURIIWKHDOHUWWRQH
3UHVV 6HOHFW%URDGFDVW
6HOHFW$OHUW
6HOHFW2QRU2II
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7RGHOHWHRUHGLWDPHVVDJHIURPWKHOLVW
0HVVDJHW\SHVSXWLQWRWKHVHOHFWLRQOLVWFDQEHGHOHWHGDQGFKDQJHG
3UHVV 6HOHFW%URDGFDVW
6HOHFW0HVVDJHW\SHV6HOHFW2SWLRQV 6HOHFW'HOHWH(GLWRU*HWIURPOLVW
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00,V\VWHP
,IUHTXLUHGDQDOHUWWRQHFDQEHWXUQHGRQWR
EHHS
HYHU\WLPHDQHZ
RUXSGDWHGEURDGFDVWPHVVDJHLVUHFHLYHG
%URDGFDVWODQJXDJH
,ISURYLGHGWKHFHOOEURDGFDVWODQJXDJHXVHGLVWKHVDPHDVWKHRQH
VHOHFWHGIRUXVHLQWKHSKRQH
VPHQX
6WDQGDUGSUHGHILQHGOLVWRIDUHDLQIRUPDWLRQW\SHQXPEHUV
7\SH1R
'HVFULSWLRQ
,QGH[
,QIRUPDWLRQ
)ODVKHV
7\SH1R
+RVSLWDOV
'RFWRUV
3KDUPDFLHV
/RQJGLVWDQFH
5RDG5HSRUWV
/RFDO5RDG
5HSRUW
7D[LV
'HVFULSWLRQ
:HDWKHU5HSRUWV
'LVWULFW0HVVDJHV
67'&RGHV
1HWZRUN
,QIRUPDWLRQ
2SHUDWRU6HUYLFHV
'LUHFWRU\6HUYLFHV
1DWLRQDO
'LUHFWRU\6HUYLFH
,QWHUQDWLRQDO
&XVWRPHU&DUH
1DWLRQDO
&XVWRPHU&DUH
,QWHUQDWLRQDO
+DYLQJWKHEURDGFDVWVHUYLFHFRQWLQXRXVO\RQUHGXFHVWKHEDWWHU\VWDQGE\WLPH
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
‡ 8VLQJWKHPHQX
3UHVV 6HOHFW6HWWLQJV
6HOHFW.H\SDGORFNWRWXUQNH\SDGORFNRQ
3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII
.H\SDGORFNLVFDQFHOOHGZKHQFRQQHFWHGWRWKHKDQGVIUHHFDUNLW
/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
7KHPHQX00,V\VWHP
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 RU
)RUULQJWRQHDQGNH\WRQHWKHORZHVWVHWWLQJLVRII
5DPSLQJ
5DPSLQJLVDIHDWXUHWKDWZKHQWXUQHGRQZLOOFDXVHWKHLQFRPLQJ
ULQJWRQHWRJUDGXDOO\LQFUHDVHWRWKHPD[LPXPYROXPHOHYHOLIWKH
FDOOLVQRWDQVZHUHGDIWHUWKHILUVWULQJ
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
‡ 2IIWKHEDFNOLJKWVZLOOVWD\RII
3UHVV 6HOHFW6HWWLQJV
6HOHFW'LVSOD\
6HOHFW%DFNOLJKW
6HOHFWHLWKHURIWKHWZRVHWWLQJV 3UHVV WRYDOLGDWH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
'LVSOD\FRQWUDVW
3UHVV 6HOHFW6HWWLQJV
6HOHFW'LVSOD\
6HOHFW&RQWUDVW
$GMXVWWKHFRQWUDVWXVLQJ RU 3UHVV2. WRYDOLGDWHWKHVHWWLQJ
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
$Q\NH\DQVZHU
7KLVIHDWXUHHQDEOHVDQ\NH\H[FHSW
WRDQVZHUDQLQFRPLQJFDOO
DQG1RULQJ WREHSUHVVHG
3UHVV 6HOHFW6HWWLQJV
6HOHFW.H\V6HOHFW$Q\.H\$QVZHU
6HOHFW2QRU2II
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00,V\VWHP
7KHFRQWUDVWRIWKHGLVSOD\FDQEHDGMXVWHGWRVXLWWKHVXUURXQGLQJ
OLJKWFRQGLWLRQV
7RPRGLI\WKHGLVSOD\FRQWUDVW
$XWRDQVZHU
7KLVIHDWXUHRQO\ZRUNVZKHQWKHSKRQHLVFRQQHFWHGWRDKDQGVIUHH
FDUNLWRUKHDGVHWDQGHQDEOHVWKHSKRQHWRDXWRPDWLFDOO\DQVZHUDQ
LQFRPLQJFDOODIWHUDSSUR[LPDWHO\VHFRQGVZLWKRXWKDYLQJWRSUHVV
DQ\NH\V
3UHVV 6HOHFW6HWWLQJV
6HOHFW$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
6HFXULW\IHDWXUHV
7KHVHFXULW\IHDWXUHVGHVFULEHGLQWKLVVHFWLRQSURWHFWV\RXUSKRQH
IURPXQDXWKRULVHGXVH
:KHQUHTXHVWHGHQWHUWKHFRGHZKLFKDSSHDUDVDVWHULVNVDQG
SUHVV2. ,I\RXPDNHDPLVWDNHSUHVV &OHDU DQGHQWHUWKHFRUUHFWGLJLWV
$YRLGXVLQJFRGHVVLPLODUWRHPHUJHQF\QXPEHUVVXFKDVRUWRSUHYHQWDFFLGHQWDOGLDO
OLQJRIWKHVHQXPEHUV
.((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
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
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\
7RFKDQJHWKH3,1FRGH3,1PXVWILUVWEHHQDEOHG
3UHVV 6HOHFW6HWWLQJV
6HOHFW6HFXULW\
6HOHFW3,1FKDQJHDQGIROORZWKHGLVSOD\SURPSWV
3UHVV2. WRYDOLGDWH\RXUQHZ3,1&RQILUPDWLRQZLOOEH
GLVSOD\HG
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHPHQX00,V\VWHP
<RXU6,0LVSURYLGHGZLWKDGLJLW3,1FRGHWRSURWHFWLWIURPXQ
DXWKRULVHGXVDJH:KHQHQDEOHGWKH3,1FRGHZLOOEHDVNHGIRUHDFK
WLPHWKHSKRQHLVWXUQHGRQ,I\RXHQWHUWKHZURQJ3,1FRGHWKUHH
WLPHVLQVXFFHVVLRQ\RXU6,0FDUGZLOOEHEORFNHGDQG\RXZLOOQHHG
WKHGLJLW38.FRGHIURP\RXUVHUYLFHSURYLGHUVHHSDJH
7RWXUQRQDQGRIIWKH3,1
3,1FRGH
7KH3,1FRGHSUHYHQWVXQDXWKRULVHGDFFHVVWRVRPHIHDWXUHVRIWKH
SKRQHVXFKDVWXUQLQJRQRURII)'1RSHUDWLRQVPRGLI\LQJWKH)'1
SKRQHERRNVHWWLQJFDOOVFRVWVWR]HURPRGLI\LQJWKHFRVWVGLVSOD\
IHDWXUHV,WFDQEHFKDQJHGEXWQRWWXUQHGRQRURII
7RFKDQJHWKH3,1FRGH
3UHVV 6HOHFW6HWWLQJV
6HOHFW6HFXULW\
6HOHFW3,1&KDQJHDQGIROORZWKHGLVSOD\SURPSWV
3UHVV2. WRYDOLGDWH\RXUQHZ3,1FRGH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
38.FRGH
7KH38.3,1XQEORFNNH\LVDQGLJLWFRGHVXSSOLHGE\\RXUVHUYLFH
SURYLGHU,WLVXVHGWR
XQEORFN
D3,1ZKRVHFRGHKDVEHHQHQWHUHG
LQFRUUHFWO\WKUHHWLPHV$38.FRGHFDQQRWEHFKDQJHG
:KHQUHTXHVWHGHQWHUWKH38.FRGHDQGSUHVV 2. <RXZLOOWKHQ
EHDVNHGWRHQWHUDQHZ3,1FRGH)ROORZWKHGLVSOD\SURPSWVWRUHVHW
WKH3,1FRGH
,I\RXHQWHUWKHZURQJ38.FRGHWLPHVLQVXFFHVVLRQ\RXU6,0FDUGFDQQRWEHXVHGDJDLQ&RQ
WDFW\RXUVHUYLFHSURYLGHUIRUDQHZFDUG
38.FRGH
7KH38.LVDQGLJLWFRGHVXSSOLHGE\\RXUVHUYLFHSURYLGHU,WLV
XVHGWRXQEORFND3,1ZKRVHFRGHKDVEHHQHQWHUHGLQFRUUHFWO\
WKUHHWLPHV$38.FRGHFDQQRWEHFKDQJHG:KHQUHTXHVWHGHQWHU
WKH38.FRGH<RXZLOOWKHQEHDVNHGWRHQWHUDQHZ3,1FRGH)RO
ORZWKHGLVSOD\SURPSWVWRUHVHWWKH3,1
,I\RXHQWHUWKHZURQJ38.FRGHWLPHVLQVXFFHVVLRQ\RXZLOOEHXQDEOHWRXVHWKHIHDWXUHV
UHTXLULQJWKH3,1FRGH&RQWDFW\RXUVHUYLFHSURYLGHUIRUDQHZFDUG
&DOOEDUULQJSDVVZRUG
7KHFDOOEDUULQJSDVVZRUGLVXVHGWRVHOHFWWKHFDOOEDUULQJOHYHOV
RXWOLQHGLQWKH6HUYLFHV&DOO%DUULQJPHQXVHHSDJH,WLV
REWDLQHGIURP\RXUVHUYLFHSURYLGHU
7RFKDQJHWKHSDVVZRUG
3UHVV 6HOHFW*606HUYLFHV
6HOHFW&DOOEDUULQJ
6HOHFW&KDQJHSDVVZRUGDQGIROORZWKHGLVSOD\SURPSWV
3UHVV2. WRYDOLGDWH
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
6XPPDU\RIFRGHSDVVZRUGHQWU\FKDUW
3DVVZRUG
/HQJWK
1XPEHURI
WULHVDOORZHG
8QORFNFRGH
GLJLWV
8QOLPLWHG
3,1
GLJLWV
GLJLWV
38.
GLJLWV
38.
GLJLWV
WULHV
GLJLWV
1HWZRUN
GHWHUPLQHG
3,1
&DOOEDUULQJ
SDVVZRUG
WULHV
WULHV
WULHV
,IEORFNHGRU
IRUJRWWHQ
5HWXUQSKRQHWR
PDQXIDFWXUHU
8QEORFNHGE\
XVHRI38.FRGH
8QEORFNHGE\
XVHRI38.
&RQWDFW\RXU
VHUYLFHSURYLGHU
&RQWDFW\RXU
VHUYLFHSURYLGHU
&RQWDFW\RXU
VHUYLFHSURYLGHU
'HIDXOWIDFWRU\VHWWLQJV
3UHVV 6HOHFW6HWWLQJV
6HOHFW'HIDXOWVHWWLQJV
6HOHFW<HVRU1R
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
7KHIROORZLQJDUHWKHIDFWRU\GHIDXOWVHWWLQJV
)HDWXUH
$OHUW7RQHV
5LQJ7RQHV
9ROXPHV5LQJ.H\DQG6SHHFK
%DFNOLJKWDQG&RQWUDVW
$Q\.H\$XWR5HWU\DQG$XWR$QVZHU
IHDWXUHV
5DPSLQJ
)DFWRU\VHWWLQJ
5LQJ
7ULXP
0LGYDOXHV
2QIRUVHFDQG
PLGYDOXH
7KHPHQX00,V\VWHP
8VHWKH6HWWLQJVPHQXWRUHWXUQWKHSKRQHVHWWLQJVEDFNWRWKHIDF
WRU\VHWWLQJV7KLVKDVQRHIIHFWRQWKHSKRQHERRNHQWULHVRUSKRQH
ORFNFRGH
2II
2II
8VLQJWKHRIILFHWRROV
7KH2IILFH7RROVPHQXFRQWDLQVDVFUDWFKSDGDQGFXUUHQF\FRQYHUWHU
FDOFXODWRU
6FUDWFKSDG
8SWRVHSDUDWHHQWULHVRIFKDUDFWHUVFDQEHVWRUHGLQWKH
VFUDWFKSDG
3UHVV 6HOHFW2IILFH7RROV
6HOHFW6FUDWFKSDG
6HOHFW5HDG8VH RU WRVFUROOWKURXJKWKHHQWULHV
6HOHFW:ULWHWRPDNHDQHZVFUDWFKSDGHQWU\
3UHVVLQJ2SWLRQV
ORZLQJPHQX
,WHP
6WRUH
(GLW
'HOHWH
'HOHWH$OO
&DOO
ZKHQUHDGLQJHQWULHVZLOOJLYHDFFHVVWRWKHIRO
$FWLRQ
7RVDYHDQXPEHUWRWKHSKRQHERRN
0RGLILHVDQHQWU\
'HOHWHVDQHQWU\
'HOHWHVDOOHQWULHV
&DOOVWKHQXPEHUGLVSOD\HGLQWKHHQWU\
&XUUHQF\FRQYHUWHU
7KLVXVHIXOIHDWXUHFRQYHUWVFXUUHQFLHV+RZHYHUWRXVHWKHFRQYHUWHU
WKHFXUUHQFLHVDQGWKHH[FKDQJHUDWHKDYHILUVWWREHVHWXS7KH
FRQYHUVLRQLVFDOFXODWHGRQWKHSHUXQLWH[FKDQJHUDWHRIWKHVHFRQG
FXUUHQF\VHOHFWHG
7RVHOHFWWKHFXUUHQFLHVDQGWKHH[FKDQJHUDWH
3UHVV 6HOHFW2IILFH7RROV
6HOHFW&XUUHQF\FRQYHUWHU
6HOHFW6HWWLQJV
(QWHUWKHILUVWFXUUHQF\QDPHHJ'ROODU3UHVV 2. (QWHUWKHVHFRQGFXUUHQF\QDPHHJ<HQ3UHVV 2. (QWHUWKHH[FKDQJHUDWHXVLQJ WRHQWHUDFRPPD
3UHVV2. WRYDOLGDWHWKHHQWU\
3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\
,I\RXZLVKWRXVH\RXU&XUUHQF\FRQYHUWHUDVD(XURFRQYHUWHUIRUSDUWLFLSDWLQJFXUUHQFLHVWRWKH
(XURSHDQ0RQHWDU\8QLRQ(XURODQGFXUUHQFLHVSOHDVHHQWHUWKHFRPSOHWH(XURH[FKDQJHUDWH
ZLWKVL[VLJQLILFDQWILJXUHV)RUH[DPSOH(XUR …
7RFDOFXODWHWKHFRQYHUVLRQEHWZHHQWKHFKRVHQFXUUHQFLHV
3UHVV 6HOHFW2IILFHWRROV
6HOHFW&XUUHQF\FRQYHUWHU
6HOHFWRQHRIWKHWZRILUVWRSWLRQV
,QRXUH[DPSOHHLWKHU'ROODU!<HQRU<HQ!'ROODU
(QWHUWKHDPRXQWWREHFRQYHUWHG
3UHVV WRLQVHUWDFRPPDLIQHHGHG
3UHVV2. 7KHFRQYHUWHGDPRXQWZLOOEHGLVSOD\HG
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\VHTXHQFHVXVLQJWKHDQGFKDU
DFWHUVVHQWGLUHFWO\IURPWKHNH\SDGWRWKHQHWZRUN7KHVHVHTXHQFHVDUH
XVHGWRDFWLYDWHDOOWKHVXSSOHPHQWDU\VHUYLFHVSURYLGHGE\WKHQHWZRUN
7KHPHQX00,V\VWHP
&RQVXOW\RXUVHUYLFHSURYLGHUIRUDFRPSOHWHOLVW
$SSHQGL[
$FFHVVRULHVOLVW
7KHIROORZLQJDUHWKHPDLQDFFHVVRULHVDYDLODEOHIRUWKHSKRQH
9HKLFOHNLWV
)=$$
+HDGVHW
)=$$
6LPSOHKROGHU
)=$$
6LPSOHKDQGVIUHHDGDSWRUZLWK&/$EDVHPLFUR
)=$$
)XOOKDQGVIUHHDGDSWRUZLWKSRZHUFDEOH
)=$$
&KDUJHUVDQGEDWWHULHV
3DUWQXPEHUV
$&DGDSWRU8.
)=$$
$&DGDSWRU(XURSHDQYHUVLRQ
)=$$
$&DGDSWRU$VLDQYHUVLRQ
)=$$
$&DGDSWRU$XVWUDOLDQYHUVLRQ
)=$$
'HVNWRSFKDUJHUIRUSKRQHVSDUHEDWWHU\
)=$$
6WDQGDUGEDWWHU\
'DWDDQGPLVFHOODQHRXV
3DUWQXPEHUV
&/$FDUDGDSWRU
)=$$
3DUWQXPEHUV
&RQWDFW7ULXP'DWDVRIWZDUHNLW
&RQWDFW7ULXP6:3&FDEOH
)=$$
%HOWFOLS
)=$$
([SUHVVLRQ
0HDQLQJ
$&'&FKDUJHU
$OWHUQDWLQJ&XUUHQW'LUHFW&XUUHQWFKDUJHU
$FWLYHFDOO
7KHFDOOFXUUHQWO\LQFRQYHUVDWLRQ
$/6
$OWHUQDWH/LQH/LQH6HUYLFH
$R&
$GYLVHRI&KDUJHVXEVFULSWLRQVHUYLFH
&%
&HOO%URDGFDVW
&/,
&DOOHU/LQH,GHQWLW\GLVSOD\VFDOOHUVWHOHSKRQHQXPEHU
&RQYHUVDWLRQPRGH
:KHQWKHSKRQHLVPDNLQJRUUHFHLYLQJDFDOO
&8*
&ORVHG8VHU*URXSUHTXLUHVQHWZRUNVXSSRUW
'LYHUWLQJ
'LYHUWVLQFRPLQJFDOOVWRWKHSKRQHWRDQRWKHUQXPEHU
'70)
'XDO7RQH0XOWLIUHTXHQF\7RQHV
)'1
)L[HG'LDOOLQJ1XPEHU
*60
*OREDO6\VWHPIRU0RELOHFRPPXQLFDWLRQV
,1
,QIRUPDWLRQ1XPEHUVRI\RXURSHUDWRURUVHUYLFHSURYLGHU
/&'
/LTXLG&U\VWDO'LVSOD\
/('
/LJKW(PLWWLQJ'LRGH
00,
0DQPDFKLQH,QWHUIDFH
3,13,1
3HUVRQDO,GHQWLILFDWLRQ1XPEHU6XSSOLHGE\\RXUQHW
ZRUNVHUYLFHSURYLGHU
38.38.
3,18QEORFNLQJ.H\8VHGWRXQORFN3,1DQG3,16XS
SOLHGE\\RXUQHWZRUNVHUYLFHSURYLGHU
5RDPLQJ5P
7KHDELOLW\WRXVH\RXUWHOHSKRQHRQQHWZRUNVRWKHUWKDQ
\RXUKRPHQHWZRUNDWKRPHRUDEURDG
6'1
6HUYLFH'LDOOLQJ1XPEHU2I\RXURSHUDWRURUVHUYLFHSUR
YLGHU
6,0
6XEVFULEHU,GHQWLW\0RGXOH6XSSOLHGE\\RXUQHWZRUN
VHUYLFHSURYLGHU
606
6KRUW0HVVDJH6HUYLFH
65
6WDWXV5HSRUWUHODWHVWR606PHVVDJHV
6WDQGE\PRGH
:KHQWKHSKRQHLVRQUHJLVWHUHGRQWRDQHWZRUNEXWQRW
PDNLQJRUUHFHLYLQJDFDOO
$SSHQGL[
*ORVVDU\
7URXEOHVKRRWLQJ
3UREOHP
3RVVLEOHFDXVHDQGVROXWLRQ
3KRQHZLOOQRWVZLWFK
RQ
&KHFNWKDWWKHEDWWHU\LVIXOO\FKDUJHGDQGFRUUHFWO\
FRQQHFWHGWRWKHSKRQH
&KDUJLQJ/('QRWOLW
UHGDQGQRIODVKLQJ
EDWWHU\,FRQ
7KHUHPD\EHQRPDLQVVXSSO\&KHFNPDLQVVXSSO\
7KH$&'&FKDUJHUPD\EHIDXOW\5HWXUQWR\RXUGHDOHU
DQGWU\VXEVWLWXWLRQZLWKDQRWKHU0LWVXELVKLDGDSWRU,I
IDXOW\FRQWDFW\RXUGHDOHU
6KRUWVWDQGE\DQGWDON &HOOEURDGFDVWLVSHUPDQHQWO\RQXVLQJPRUHEDWWHU\
WLPHV
SRZHU
3KRQHLVLQDSRRUVLJQDODUHDDQGWKHUHIRUHDOZD\VRQ
IXOOSRZHU
,QFRUUHFWFKDUJLQJDQGGLVFKDUJLQJ$OZD\VFKDUJHDQG
GLVFKDUJH\RXUEDWWHU\IXOO\
7KHEDWWHU\LVZHDULQJRXW5HSODFHWKHEDWWHU\
&DOOVFDQQRWEHPDGH
RUUHFHLYHG
&KHFNWKDW\RXKDYHDWOHDVWRQHVLJQDOVWUHQJWKEDU
7U\LQDVWURQJHUVLJQDOVWUHQJWKDUHD
,IWKHQDPHRIDQHWZRUNLVQRWGLVSOD\HGFKHFN\RXU
6,0LV2.FKHFNUHJLVWUDWLRQZLWK\RXUQHWZRUNVHUYLFH
SURYLGHU
&DOOEDUULQJRSWLRQLVWXUQHGRQ7XUQLWRIIVHH
SDJH &DOOFRVWOLPLWLVUHDFKHGVHHSDJH
6WRUHGWHOHSKRQHQXP )L[HG'LDOOHG1XPEHURU&DOO%DUULQJIHDWXUHVDUHWXUQHG
EHUVFDQQRWEHUHFDOOHG RQ&KHFNIHDWXUHVDQGWXUQWKHPRIIVHHSDJHV
DQG 1XPEHUVFDQQRWEHHQ .H\SDGORFNLVRQ
WHUHGLQWKHGLVSOD\
WRWXUQRII
LVGLVSOD\HG3UHVV8QORFN
DQG
3KRQHVZLWFKHVRQEXW 'LVSOD\FRQWUDVWLVWXUQHGGRZQWRORZ5HVHWFRQWUDVW
WKHUHLVQRGLVSOD\
VHHSDJH
%DWWHU\LFRQ QRW
IODVKLQJGXULQJ
FKDUJLQJ
,QGLFDWHVDFKDUJLQJRUEDWWHU\SUREOHP7XUQRIIDQG
GLVFRQQHFWWKHFKDUJHU5HFRQQHFWDQGWU\DJDLQ
,IWKHSUREOHPUHPDLQVFRQWDFW\RXUGHDOHU
)ODVKLQJ
7KHUHLVQRWHQRXJKPHPRU\WRVWRUHDQRWKHU606PHV
VDJH<RXPXVWGHOHWHRQHRUPRUHRIWKHH[LVWLQJ
VWRUHGPHVVDJHVVHHSDJH
(UURUPHVVDJHV
3UREOHP
3RVVLEOHFDXVHDQGVROXWLRQ
$OORZHGFUHGLW
UHDFKHG
<RXDUHWU\LQJWRSODFHDQRXWJRLQJFDOODQGWKHDOORZHG
FUHGLWLVDOUHDG\UHDFKHG
7KHDOORZHGFUHGLWOLPLWLVUHDFKHGGXULQJDQRXWJRLQJ
FDOOWKHFDOOLVWKHQDERUWHG
%XV\
<RXDUHWU\LQJWRPDNHDFDOODQGWKHFDOOIDLOVEHFDXVH
WKHGHVWLQDWLRQQXPEHULVDOUHDG\HQJDJHGLQ
FRQYHUVDWLRQ
&DOOIDLOHG
7KHXVHULVXQUHDFKDEOH
7KHRXWJRLQJFDOOIDLOVGXHWR
&8*LVLQXVHDQGWKHFDOOLVQRWDOORZHGXQUHFRJQLVHG
E\WKHQHWZRUNRU
WKHQHWZRUNFDQQRWWDNHWKHFDOOGXHWRV\VWHPEXV\RU
WKHQXPEHULVRXWRIRUGHURU
WKHQXPEHULVXQUHDFKDEOHRU
WKHQHWZRUNGRHVQRWDQVZHURU
WKHRSWLRQWRKLGH\RXUSKRQHQXPEHUZKHQFDOOLQJLV
QRWVXSSRUWHGE\WKHQHWZRUN
&RQWURODQGYHULILFDWLRQRI&8*SDUDPHWHUVQRW
FRQILUPHG&8*DYDLODELOLW\RQQHWZRUN
&RQWUROWKHDELOLW\WRKLGH\RXU,'ZKHQPDNLQJDFDOO
VHUYLFHDYDLODELOLW\LQQHWZRUN
&DQFHOOHG1RW\SHVH &HOOEURDGFDVWDFWLYDWLRQKDVEHHQUHTXHVWHGEXWQR
OHFWHG
PHVVDJHW\SHKDVEHHQVHOHFWHG
&DQQRWH[HFXWHFRP
PDQG
<RXKDYHPDGHDUHTXHVWZKLFKLVLPSRVVLEOHWREHH[
HFXWHGLQWKHFXUUHQWFDOOVLWXDWLRQ
&DQ
WGLVSOD\PHVVDJH 7KHVKRUWPHVVDJHWH[WFDQQRWEHGLVSOD\HGFKDUDFWHUV
7KHUHLVQR6,0SUHVHQWRUWKH6,0LVLQFRUUHFWO\LQVHUW
HG6HHSDJHIRUPRUHGHWDLOV
&KHFN\RXUSDVVZRUG
<RXFKDQJHGWKHFDOOEDUULQJSDVVZRUGRU
<RXFKDQJHGWKHFDOOEDUULQJVHUYLFHVWDWXV
7KHHQWHUHGSDVVZRUGVHHPVWREHZURQJRULQFRUUHFW
&KHFN\RXUUHTXHVW
<RXPDGHDUHTXHVWIRUDVHUYLFHWKDWVHHPVWREHLP
SRVVLEOHWRIXOILO
&KHFN\RXUVXEVFULS
WLRQ
<RXWULHGWRDFWLYDWHD*60VHUYLFH<RXDUHUHTXHVWHG
WRFKHFN\RXUVXEVFULSWLRQUHJDUGLQJWKHUHODWHGVHUYLFH
ULJKWVRIXVHDFFHVV
$SSHQGL[
QRWUHFRJQLVHGLQFRUUHFWIRUPDWHWF
&KHFN6,0
&8*FDOOIDLOHG
<RXWULHGWRPDNHDFDOOLQD&8*&ORVHGXVHUJURXS
DQGWKHFDOOLVUHMHFWHGE\WKHQHWZRUNEHFDXVHWKHQHW
ZRUNGRHVQRWUHFRJQLVHWKH&8*SDUDPHWHUVRU
WKHFDOOHGXVHULVQRWLQWKHVDPH&8*RU
WKHFDOOHGXVHUKDVQR&8*DVVRFLDWLRQ
(UURU
7KHQHWZRUNFDQQRWSHUIRUP\RXUUHTXHVWDQGJHQHU
DWHVDQHUURUUHVXOW
)DLOHG
$Q606VHQGLQJSURFHVVIDLOHGWKHVKRUWPHVVDJHFDQ
QRWEHVHQW
,QFRUUHFWHQWU\
<RXHQWHUHGDFKDUDFWHUVWULQJZLWKDV\QWD[HUURU
,QYDOLGQXPEHU
<RXWULHGWRPDNHDFDOODQGWKHFDOOLVUHMHFWHGE\WKH
QHWZRUNEHFDXVHWKHQHWZRUNGRHVQRWUHFRJQLVHWKH
SKRQHQXPEHUVWUXFWXUHRU
\RXWULHGWRVWRUHDSKRQHQXPEHUWKDWLVWRRORQJWREH
VWRUHGLQWKHVHOHFWHGORFDWLRQRU
\RXWULHGWRPRYHDSKRQHHQWU\WRDORFDWLRQWKDWLVXQ
DEOHWRUHFHLYHWKHSKRQHQXPEHUSKRQHQXPEHUWRR
ORQJ
.H\SDGORFNHG
8QORFNWRXQORFN
$SUHVVRQDQ\NH\LVPDGHZLWKNH\SDGORFNHG
/RZEDWWHU\
7KLVWH[WLVGLVSOD\HGZKHQWKHEDWWHU\EHFRPHVWRRORZ
DQGWKHPRELOHZLOOVRRQEHVZLWFKHGRIIDXWRPDWLFDOO\
1HWZRUNEXV\
<RXWULHGWRPDNHDFDOO7KHFDOOLVUHMHFWHGE\WKHQHW
ZRUNGXHWRFRQJHVWLRQSUREOHPV
1HWZRUNQRWDOORZHG
:KHQVHOHFWLQJQHWZRUNPDQXDOVHDUFK\RXKDYHVH
OHFWHGDQHWZRUNWKDWUHMHFWVWKHFRQQHFWLRQ
1HZ3,1LQFRUUHFW7U\ &KDQJLQJ3,1WKHQHZ3,1FRGHYDOXHVGLIIHUYDOXH
DJDLQ
FRQWURO
1HZ3,1LQFRUUHFW
7U\DJDLQ
&KDQJLQJ3,1WKHQHZ3,1FRGHYDOXHVGLIIHUYDOXH
FRQWURO
1RDFWLRQSHUIRUPHG
:KHQDFRS\PRYHRSHUDWLRQLVPDGHRQPHPRULHVEXW
QRFRQGLWLRQVKDYHEHHQFKDQJHGVDPHPHPRU\
QXPEHUDQGQDPH
1RUHVSRQVH
<RXPDGHDFDOOWRDUHPRWHXVHUDQGQRUHVSRQVHKDV
EHHQUHFHLYHG
1RWDOORZHG
<RXUQXPEHUFKDUDFWHUHQWU\LVQRWDOORZHG
1RWDOORZHGIL[HGGL $FDOOLVWULHGEXWFDQFHOOHGGXHWRIL[HGGLDOOLQJFRQWURO
DOOLQJ
WKHQXPEHUGLDOOHGGRHVQRWPDWFKZLWKRQHRIWKH
IL[HGGLDOOLQJQXPEHUVLQPHPRU\
1RW$YDLODEOH
7KHUHLVQRPRUH6,0VWRUDJH
1XPEHUFKDQJHG
7KHFDOOHGQXPEHUKDVFKDQJHG
3,1EORFNHG
$ZURQJ3,1FRGHKDVEHHQHQWHUHGWLPHV
3,1EORFNHG
$ZURQJ3,1FRGHKDVEHHQHQWHUHGWLPHV
38.EORFNHG
$ZURQJ38.FRGHKDVEHHQHQWHUHGWLPHV
7KH6,0VHUYLFHVSURWHFWHGE\WKH3,1FRGHKDYHQRZ
EHHQSHUPDQHQWO\GLVDEOHG
5HDFKLQJDOORZHG
FUHGLW
7KHFRVWOLPLWLVDERXWWREHUHDFKHG7KHFRQQHFWHGFDOO
ZLOOHQGDXWRPDWLFDOO\ZKHQWKHOLPLWLVUHDFKHG
5LQJYROXPH2II
7KHULQJYROXPHLVVHWWRQRYROXPH
6HUYLFHQRWDYDLODEOH
$FWLYDWLQJVRPH*60VHUYLFHVWKDWDUHQRWDYDLODEOHRQ
WKHQHWZRUN
6,0EORFNHG&RQWDFW $ZURQJ38.KDVEHHQHQWHUHGWLPHV
SURYLGHU
7KH6,0FDUGKDVEHHQSHUPDQHQWO\GLVDEOHGDQGQHHGV
WREHUHSODFHGE\DQHZRQH
6,0EORFNHG(QWHU
38.
$ZURQJ3,1FRGHKDVEHHQHQWHUHGWLPHV
(QWHUWKH38.FRGHWRXQEORFNWKH6,0FDUG
6,0IL[HGIXOO
6,0QDPHVIXOO
3KRQHQDPHVIXOO
7KHFRUUHVSRQGLQJPHPRU\LVIXOO
606PHPRU\ORFDWLRQV 7KHVWRUDJHRIQHZPHVVDJHVZKHQZULWLQJDQHZ606
DUHIXOO
LVLPSRVVLEOH
:URQJFRGH7U\DJDLQ $ZURQJSKRQHORFNFRGHKDVEHHQHQWHUHG
:URQJQHZFRGH7U\ 7KHQHZSKRQHORFNFRGHVGRQRWPDWFKYDOXHFRQWURO
DJDLQ
$SSHQGL[
:URQJ3,1WU\DJDLQ 7KHZURQJFRGHKDVEHHQHQWHUHG
:URQJ3,1WU\DJDLQ
:URQJ38.WU\DJDLQ
:URQJ38.WU\DJDLQ
,QGH[
$
$FFHVVRULHV $OHUWPRGH $OHUWWRQH
7XUQLQJRQRII $Q\NH\DQVZHU $XWR
DQVZHU UHWU\ $XWRPDWLFVHDUFK %
%DFNOLJKW %DODQFH,QIR %DODQFHLQIRUPDWLRQ %DUULQJSDVVZRUG
&DOO %DVLFRSHUDWLRQV &DOOLQJ 0DNLQJDFDOO 5HFHLYLQJDFDOO 606 8QDQVZHUHGFDOO 9RLFH0DLO %DWWHU\ &KDUJLQJ 'LVSRVDO )LWWLQJ /RZEDWWHU\ZDUQLQJ 5HPRYLQJ 6DIHW\LQIRUPDWLRQ 8VH %URDGFDVW /DQJXDJH 0HVVDJHW\SHV 2Q2II &
&DOO
&RQIHUHQFH +ROGLQJ 0XOWLSDUW\ 5HWULHYLQJ &DOOEDUULQJ 3DVVZRUG &DOOFRVWV
5HVHW &DOOWLPHU
5HVHW &DOOWLPHV &DOOZDLWLQJ &DOOHUOLQHLGHQWLW\ &DOOLQJ &DOOV7LPHV &DOOFRVWV &DOO7LPHUV &DOOV/RJ &RVWV 7LPHUV &DOOV/RJ &DUHDQGPDLQWHQDQFH &% &%PHVVDJHV
'HOHWLQJ (GLWLQJ 5HDGLQJ &HOOEURDGFDVW &/, &ORVHGXVHUJURXS &RQIHUHQFHFDOO &RVWPDQDJHPHQW &UHGLWOLPLW &8* &XUUHQF\FRQYHUWHU '
'LDOOLQJ
&DOOV/RJPHPRU\ /DVWGLDOOHGQXPEHUV 3KRQHERRN 'LDOOLQJIURPPHPRU\ 'LVSOD\FRQWUDVW 'LYHUWLQJ '70)WRQHV (PHUJHQF\FDOOV (QGLQJDFDOO (QWHULQJWH[W (UURUPHVVDJHV )
)DFWRU\VHWWLQJV )'1 )L[HGGLDOOLQJQXPEHUV
*
*HQHUDO
RSHUDWLRQV VDIHW\ *HWWLQJVWDUWHG *ORVVDU\ *UDSKLFGLVSOD\LFRQV *60
PDQPDFKLQHLQWHUIDFH
FRGHV 6HUYLFHV +
+ROGLQJDFDOO
,
,FRQV ,QFDOORSWLRQV
,QFRPLQJ&DOOV
'LYHUWLQJ ,QIRUPDWLRQQXPEHUV
.
.H\SDG ORFN .H\V /
/DQJXDJHVHOHFWLRQ 0
0DNLQJDFDOO 0DQDJLQJ606PHVVDJHV 0HQX 0HQXPDS 0HVVDJHWHPSODWHV 0HVVDJHV $OHUW %URDGFDVW ,Q%R[ 0VJ7HPSODWHV 2XWER[ 6HWWLQJV :ULWH1HZ 0RELOHQXPEHU
+LGLQJ 6KRZLQJ 0XOWLSDUW\FDOO 0XWLQJ 1
1HWZRUN 1HWZRUN6HUY 1HWZRUNVHUYLFHV 2
2IILFH7RROV
&XUUHQF\FRQYHUWHU 6FUDWFKSDG 2IILFHWRROV 2XWER[ 3
3DXVHIHDWXUH 3KRQH
FXVWRPLVLQJ GLDJUDP ORFN ORFNFRGH VHWWLQJV 3KRQHERRN &DOOLQJQXPEHUV )L[HG'LDOOLQJ )UHHVSDFH 2ZQ1XPEHUV 5HFDOO 5HPDLQLQJ 6WRUH 9LHZLQJQXPEHUV 3,1FRGH ,QGH[
(
3,1FRGH 3UREOHPV 38.FRGH 38.FRGH 5
5DPSLQJ 5HDGLQJDQ606PHVVDJH 5HFHLYLQJDFDOO 5HVSRQVLELOLW\ 5HWULHYLQJDFDOO 5LQJWRQH 6
6DIHW\LQIRUPDWLRQ %DWWHU\ &DUHDQGPDLQWHQDQFH (PHUJHQF\FDOOV 5HVSRQVLELOLW\ 6HFXULW\FRGHV 9HKLFOHVDIHW\ 6FUDWFKSDG 6'1QXPEHUV 6HFRQGFDOO 6HFXULW\ FRGHV IHDWXUHV 6HQGLQJDQ606PHVVDJH 6HUYLFHV
&DOO%DUULQJ &DOOGLYHUWLQJ &8* 1HWZRUN 5HFHLYLQJ,' 6HQG,' 6HWWLQJV $XWRIHDWXUHV 'LVSOD\ .H\SDGORFN .H\V /DQJXDJH 6HFXULW\ 7RQHV 6KRZFRVWV 6LOHQWDOHUWPRGH 6,0
DSSOLFDWLRQWRRONLW FDUG 606 606PHVVDJHV
0DQDJLQJ 3UHSDULQJ\RXUSKRQH 5HDGLQJ 6HQGLQJ 6ROXWLRQV 6ROYLQJSUREOHPV 6SHHGGLDOOLQJ 6WDQGE\GLVSOD\ 6WRULQJQDPHVDQGQXPEHUV 7
7URXEOHVKRRWLQJ 7XUQLQJ
RII RQ 9
9HKLFOHVDIHW\ 9RLFH0DLO
$OHUW7RQH &DOO 1XPEHU 9RLFHPDLO 9ROXPH DGMXVWPHQW )$0%
3DQ(XURSHDQ6HUYLFH
,I\RXUHTXLUHVHUYLFHWKHQLQWKHILUVWLQVWDQFH\RXVKRXOG
FRQWDFW\RXUVXSSOLHU
6KRXOG\RXH[SHULHQFHDQ\GLIILFXOW\WKHQSOHDVHFRQWDFW\RXU
QHDUHVW0,768%,6+,ORFDWLRQOLVWHGEHORZIRULQIRUPDWLRQRQ
RWKHUVHUYLFHFHQWHUV
81,7('.,1*'20
7HO
69(5,*(
7HO
)D[
)5$1&(
7pO
'(876&+/$1'
7HO
63$,1
7HO
)D[
,7$/,$
7HO
)D[
,5(/$1'
7HO
)D[
*606HUYLFH&DUG
7RREWDLQZDUUDQW\6HUYLFH\RXZLOOUHTXLUH\RXURULJLQDO
HTXLSPHQWSXUFKDVHLQYRLFHRULUUHIXWDEOHSURRIRISXUFKDVH
SOXVWKLVFDUGSOHDVHILOOLQPLVVLQJLQIRUPDWLRQ
3OHDVHVHHZDUUDQW\WHUPVDQGFRQGLWLRQVIRULQZDUUDQW\
VHUYLFH
'DWHRISXUFKDVH
,QYRLFHQXPEHU
'HDOHUQDPH
/RFDWLRQ
'HDOHUWHOQXPEHU
3DQHXURSHDQ*60(QGXVHU*XDUDQWHH&RQGLWLRQV
<RXFDQEHQHILWIURPWKLVJXDUDQWHHRQO\LI\RXDUHWKHRULJLQDOHQG
XVHUSXUFKDVHU
0,768%,6+,JXDUDQWHHVWKDWIRUDSHULRGRIWZHOYHPRQWKVIURP
WKHGDWHRISXUFKDVHIURP\RXUGHDOHUWKH3URGXFWVKDOOEHIUHHIURP
GHIHFWVLQPDWHULDOVDQGZRUNPDQVKLS6XEMHFWWRWKHFRQGLWLRQVEH
ORZ0LWVXELVKLZLOOLQGHPQLI\\RXDJDLQVWDOOFRVWRISDUWVDQGOD
ERXUIRUUHSDLUVWRRUUHSODFHPHQWRIWKHSURGXFWRUSDUWVZKLFK
PD\LQFOXGHHTXLSPHQWRIVLPLODUW\SHZKHUHFRQGXFWHGE\DQDX
WKRULVHG0,768%,6+,*60VHUYLFHFHQWUH0,768%,6+,VKDOOEHHQWL
WOHGWRUHWDLQSURGXFWZKLFKKDVEHHQUHSODFHG
$Q\FODLPVPXVWEHPDGHWRDQDXWKRULVHG0,768%,6+,*60VHUYLFH
FHQWUHLQWKHFRXQWULHVPHQWLRQHGLQWKHVHUYLFHFDUGHQFORVHGZLWK
WKHSURGXFW,QFDVHRIGLIILFXOW\\RXFDQFRQWDFWWKH0LWVXELVKLFRP
SDQLHVOLVWHGLQWKHVHUYLFHFDUGWRREWDLQGHWDLOVRI\RXUQHDUHVWDX
WKRULVHG0,768%,6+,*60VHUYLFHFHQWUH$VDFRQGLWLRQRIWKLV
JXDUDQWHHWKHGDWHRI\RXUSXUFKDVHPXVWEHFRQILUPHGE\SURGXF
LQJ\RXURULJLQDOLQYRLFHIURP\RXUVXSSOLHURU\RXUVDOHVUHFHLSW
VKRZLQJWKHVHULDOQXPEHUWRJHWKHUZLWKWKHVHUYLFHFDUG)LQDOGH
WHUPLQDWLRQRIJXDUDQWHHFODLPHOLJLELOLW\VKDOOEHPDGHE\0,768%,
6+,0,768%,6+,VKDOOQRWEHOLDEOHIRUVKLSPHQWFRVWVWRDQGIURP
DQDXWKRULVHG*600,768%,6+,VHUYLFHFHQWUHDQGWKHSURGXFWWUDY
HOVDW\RXUULVN
7KLVJXDUDQWHHGRHVQRWFRYHU
D EDWWHU\GHIHFWVRIDQ\QDWXUH
E QRQFRPSOLDQFHZLWKGLUHFWLRQVIRUXVH
F LQVWDOODWLRQRUUHPRYDOFKDUJHVZKHUHWKHSURGXFWLVLQVWDOOHGLQD
YHKLFOH
G GHIHFWVRUIDLOXUHVFDXVHGE\DFFLGHQWPLVXVHLPSURSHULQVWDOOD
WLRQRULPSURSHUUHSDLUE\DQXQDXWKRUL]HGUHSDLUHUDOWHUDWLRQRU
PRGLILFDWLRQQHJOHFWIDLOXUHWRXVHIRUQRUPDOSXUSRVH$FWVRI
*RGZDWHULQJUHVVXVHLQDGYHUVHHQYLURQPHQWDOFRQGLWLRQVKX
PLGLW\RUWHPSHUDWXUH
H FRVWRIRUSHUIRUPDQFHRIPRGLILFDWLRQVWRSURGXFWWRDGDSWRU
DGMXVWWRFRQIRUPWRQDWLRQDORUORFDOVDIHW\ODZVZKHUHVXFK
VDIHW\ODZVJREH\RQGKDUPRQLVHG(XURSHDQ8QLRQVWDQGDUGV
I ORVVRIXVHRIWKHSURGXFWRUFRQVHTXHQWLDOORVVRIDQ\QDWXUH
J ORVVRIXVHRIDLUWLPHORVVRIXVHRIDQ\ORDQHGHTXLSPHQWRUDQ
FLOODU\HTXLSPHQW
K SURYLVLRQRILQFRUUHFWRULQVXIILFLHQWVLJQDORQDLUWLPHQHWZRUN
XSJUDGLQJRISURGXFWVRIWZDUHWRFKDQJHVLQQHWZRUNRSHUDWLQJ
SDUDPHWHUVPDLQVVXSSO\YROWDJHIOXFWXDWLRQVLQFRUUHFW6,0FDUG
PHPRU\FDUGSDUDPHWHUVIRUFRQQHFWLRQWRDLUWLPHUHWDLOHU
L GDPDJHFDXVHGE\QRQ0,768%,6+,DFFHVVRULHV
$Q\JXDUDQWHHFODLPRUVHUYLFHGRHVQRWH[WHQGWKHRULJLQDOJXDUDQ
WHHSHULRGXQOHVVVRUHTXLUHGE\SUHYDLOLQJQDWLRQDOODZ
7KLVJXDUDQWHHLVYDOLGRQO\LIWKHSURGXFWLVSXUFKDVHGDQGXVHGLQ
WKH(XURSHDQ8QLRQ1RUZD\,FHODQGRU6ZLW]HUODQG
7+,6*8$5$17(('2(6127$))(&7<28567$78725<5,*+76