&DOO 1XPEHU $OHUW 5HFDOO 6WRUH 5HPDLQLQJ 2ZQ QXPEHUV )L[HG GLDOOLQJ 3KRQH ERRN WRQHV ,QER[ 2XWER[ :ULWH QHZ 6HWWLQJV $OHUW &DOOV ORJ &DOO WLPHUV &DOO FRVWV /LQH VHOHFWLRQ &DOO GLYHUWLQJ &DOO ZDLWLQJ 6HQGLQJ P\ ,' 5HFHLYLQJ FDOOHU ,' 1HWZRUN &DOO EDUULQJ &8* 9RLFH 0DLO 3KRQH %RRN 0HVVDJHV &DOOV 7LPHV *60 6HUYLFHV 6FUDWFKSDG &XUUHQF\ FRQYHUWHU $ODUP FORFN $XWR VZLWFK 2IILFH 7RROV (1*/,6+ $5,$ # ,QWHUQHW *DPHV &DOFXODWRU 5HVKDSH 3XVK 2SW
7XUQLQJ \RXU SKRQH RQ RU RII 0DNLQJ D FDOO $QVZHULQJ D FDOO (QGLQJ D FDOO $GMXVWLQJ WKH HDUSLHFH YROXPH 0XWLQJ WKH LQFRPLQJ ULQJ WRQH 7XUQLQJ NH\ORFN RQ RII 7XUQLQJ WKH PLFURSKRQH RQ RII 3UHVV DQG KROG GRZQ (QWHU WKH QXPEHU DQG SUHVV 3UHVV 3UHVV 3UHVV 3UHVV 1R ULQJ 3UHVV SOXV 3UHVV DQG KROG GRZQ %DVLF RSHUDWLRQV $LGH PpPRLUH *HQHUDO RSHUDWLRQV +ROGLQJ UHWULHYLQJ D FDOO 9LHZLQJ WKH ODVW GLDOOHG QXPEHUV &DOOLQJ WKH YRLFH PDLO FHQWUH 5HDGLQJ D QHZ 606 PHVVDJH &KRRVLQJ DQRWKHU ULQJ WRQH 3KRQHERRN
8VHU *XLGH 86(5 23(5$7,216 7KLV JXLGH GHVFULEHV WKH RSHUDWLRQ RI WKH 7ULXP GXDO EDQG *60 WHOHSKRQH WKH $5,$ # (GLWLRQ 0LWVXELVKL (OHFWULF 7HOHFRP (XURSH :KLOVW HYHU\ HIIRUW KDV EHHQ PDGH WR HQVXUH WKH DFFXUDF\ RI WKH LQVWUXFWLRQV FRQWDLQHG LQ WKLV JXLGH 0LWVXELVKL (OHFWULF UHVHUYHV WKH ULJKW WR PDNH LPSURYHPHQWV DQG FKDQJHV WR WKH SURGXFW GHVFULEHG LQ WKLV JXLGH DQG RU WR WKH JXLGH LWVHOI ZLWKRXW SULRU QRWLFH
,QWURGXFWLRQ 7KDQN \RX IRU SXUFKDVLQJ WKH 7ULXP $ULD # GXDO EDQG PRELOH WHOHSKRQH 7KH PRELOH WHOHSKRQH GHVFULEHG LQ WKLV JXLGH LV DSSURYHG IRU XVH RQ ERWK WKH *60 DQG QHWZRUNV 6HUYLFHV DQG GLVSOD\ PHVVDJHV PD\ EH GLIIHUHQW GHSHQGDQW XSRQ \RXU RSHUDWRUV LPSOHPHQWDWLRQ $V ZLWK DOO W\SHV RI UDGLR WUDQVFHLYHUV WKLV PRELOH WHOHSKRQH HPLWV HOHFWURPDJQHWLF ZDYHV DQG FRQIRUPV WR LQWHUQDWLRQDO UHJXODWLRQV LQ VR IDU DV LW LV XVHG XQGHU QRUPDO FRQGLWLRQV DQG LQ DFFRUGDQFH ZLWK WKH VDIHW\ DQG ZDUQLQJ
7KH SKRQH DW JODQFH /(' &DOO DQG 5HWUDFWDEOH DQWHQQD 6,0 FDUG KROGHU ([WHQG WKH DQWHQQD IXOO\ ZKHQ PDNLQJ RU UHFHLYLQJ D FDOO *UDSKLF GLVSOD\ (DUSLHFH EDWWHU\ FKDUJH LQGLFDWRU 7HOHSKRQH QXPEHUV PHQXV PHVVDJHV HWF DUH GLVSOD\HG KHUH +HDGVHW VRFNHW /HIW VRIWNH\ &DOO 6(1' NH\ 'LDOV GLVSOD\HG QXPEHU RU QDPH DQG DQVZHUV FDOOV 5LJKW VRIWNH\ (1' NH\ 3UHVV WR HQG D FDOO RU UHWXUQ WR VWDQGE\ GLVSOD\ 0XOWL IXQFWLRQ NH\ 2Q 2II NH\ +ROG GRZQ WR WXUQ RQ RU RII WKH SKRQH 2SWLRQV NH\ 0LFURSK
.H\SDG OD\RXW /LVW RI NH\V 6RIWNH\V RU VHOHFWLRQ NH\V 3HUIRUP WKH IXQFWLRQV LQGLFDWHG E\ WKH WH[W DERYH LW (QG NH\ 3UHVV WR HQG RU UHMHFW D FDOO 6KRUW SUHVV GXULQJ D PHQX RSHUDWLRQ ZLOO H[LW WR WKH VWDQGE\ GLVSOD\ 6HQG NH\ 3UHVV WR PDNH RU DQVZHU D FDOO 3UHVV LQ VWDQGE\ GLVSOD\ UHFDOOV ODVW GLDOOHG QXPEHUV 0XOWL IXQWLRQ NH\ ,Q WKH VWDQGE\ PRGH VHOHFWV WKH 5LQJ WRQH VHWWLQJ 'XULQJ PHQX RSHUDWLRQ XVHG IRU VFUROOLQJ GRZQ DQG OHYHO DGMXVWPHQW 6KRUW SUHVV IRU VWHS E\ VWHS VFUROOLQJ RU OHYHO DGMXV
DEOH RI FRQWHQWV 8VLQJ WKLV JXLGH *HWWLQJ VWDUWHG 3UHSDULQJ WR PDNH \RXU ILUVW FDOOV %DVLF RSHUDWLRQV 6DIHW\ LQIRUPDWLRQ 9HKLFOH VDIHW\ &DUH DQG PDLQWHQDQFH
VLQJ WKLV JXLGH 3OHDVH WDNH WLPH WR UHDG WKLV XVHU JXLGH ,W FRQWDLQV D ORW RI XVHIXO LQIRUPDWLRQ DERXW \RXU SKRQH DQG WKH ZD\ WKDW LW RSHUDWHV RQ WKH QHWZRUN 7KH *60 QHW ZRUN LV QRZ ZRUOGZLGH DQG DOORZV \RX WR PDNH DQG UHFHLYH FDOOV WR DQG IURP RWKHU FRXQWULHV FDOOHG URDPLQJ DV LI \RX ZHUH LQ \RXU KRPH FRXQWU\ 6RPH IHDWXUHV LQFOXGHG LQ WKLV JXLGH DUH FDOOHG QHWZRUN IHDWXUHV DQG DUH VXSSOLHG E\ VHUYLFH SURYLGHUV +RZHYHU EHIRUH \RX FDQ WDNH DGYDQWDJH RU HYHQ DFWL YDWH PDQ\ RI WKH QHWZRUN IHDWXU
7KH GLVSOD\ DOVR VKRZV DOSKDEHW FKDUDFWHUV DQG QXPEHUV DV ZHOO DV WKH SKRQHV PHQX OLVW DQG LQVWUXFWLRQV WR WKH XVHU 7KH VSHFLDO LFRQV ZKLFK DSSHDU LQ WKH GLVSOD\ GXULQJ RSHUDWLRQ KDYH WKH IROORZLQJ PHDQLQJ 6,0 PHPRU\ LQ XVH 3KRQH PHPRU\ LQ XVH 5RDPLQJ ,V GLVSOD\HG ZKHQ WKH SKRQH LV ORJJHG RQ WR D QHWZRUN GLIIHUHQW IURP LWV KRPH QHWZRUN 6KRUW PHVVDJH VHUYLFH 606 ,V GLVSOD\HG ZKHQ RQH RU PDQ\ VKRUW PHVVDJHV KDYH EHHQ UHFHLYHG DQG KDYH QRW EHHQ UHDG ,W IODVKHV ZKHQ WKH 606 PHVVDJH EDQN LV IXOO D
*HWWLQJ VWDUWHG ,Q RUGHU WR EHFRPH IDPLOLDU ZLWK WKH SKRQH VWUDLJKWDZD\ IROORZ WKHVH VLPSOH VWHSV 3UHSDULQJ WR PDNH \RXU ILUVW FDOOV ,QVHUWLQJ WKH 6,0 FDUG 8QSDFN WKH SKRQH DQG LQVHUW WKH 6,0 FDUG LQWR WKH KROGHU 3XOO RSHQ WKH SURWHFWLYH UXEEHU FDS FRYHULQJ WKH 6,0 FDUG KROGHU ,QVHUW WKH 6,0 FDUG JHQWO\ DV VKRZQ JROG FRQWDFWV IDFLQJ GRZQ ZLWK WKH EHYHOOHG FRUQHU RI WKH FDUG DW WKH WRS ULJKW 3XVK WKH 6,0 FDUG IXOO\ KRPH ZLWK \RXU ILQJHUWLS WKH FDUG VKRXOG SXVK WKH 6,0 HMHFWRU NQRE DO
)LWWLQJ WKH EDWWHU\ 3RVLWLRQ WKH EDWWHU\ RQWR WKH SKRQH DV VKRZQ 3XVK GRZQ WKH RSSRVLWH HQG RI WKH EDWWHU\ RQWR WKH SKRQH XQWLO WKH EDWWHU\ FDWFK FOLFNV VKXW &KHFN WKH EDWWHU\ LV VHFXUHO\ LQ SODFH %DWWHU\ FDWFK *HWWLQJ VWDUWHG &RQQHFW WKH EDWWHU\ DV VKRZQ EHORZ ,I WKHUH LV QRW HQRXJK FKDUJH LQ WKH EDWWHU\ WR SRZHU WKH SKRQH IROORZ WKH LQVWUXFWLRQV IRU EDWWHU\ FKDUJLQJ RQ SDJH %DVLF RSHUDWLRQV
7KLV LV WKH QRUPDO VWDQGE\ GLVSOD\ 0DNLQJ D FDOO (QWHU WKH GHVLUHG WHOHSKRQH QXPEHU XVLQJ WKH QXPHULF NH\V DQG $ PD[LPXP RI GLJLWV FDQ EH HQWHUHG &RUUHFW DQ\ PLV WDNHV E\ SUHVVLQJ &OHDU +ROGLQJ GRZQ WKLV NH\ ZLOO FOHDU WKH ZKROH GLVSOD\ 7R GLDO VHQG WKH QXPEHU SUHVV :KHQ WKH FDOO LV FRQQHFWHG WKH FRQYHUVDWLRQ ZLOO EH KHDUG LQ WKH HDU SLHFH DQG D FDOO WLPHU ZLOO EH GLVSOD\HG ([WHQGLQJ WKH DQWHQQD 3XOO XS WKH DQWHQQD XQWLO \RX KHDU D FOLFN )RU EHVW UHVXOWV XVH WKH DQW
SDJH DQG IODVK LI WKH ULQJ WRQH YROXPH LV VHW WR ]HUR 7R DFFHSW DQVZHU WKH FDOO 3UHVV EOH VRXQG ZLOO EH KHDUG 7R UHMHFW DQG UHWXUQ WKH EXV\ VLJQDO WR WKH FDOOHU 3UHVV (QGLQJ D FDOO 3UHVV &ORVLQJ WKH IOLS GRHV QRW HQG D FDOO :DLWLQJ D IHZ VHFRQGV RU SUHVVLQJ WKH ([LW VRIWNH\ ZLOO UHWXUQ WR WKH VWDQGE\ GLVSOD\ *HWWLQJ VWDUWHG ,I WKH ULQJ WRQH YROXPH LV VHW WR ]HUR RII RU LI WKH SKRQH KDV EHHQ VHW WR 9LEUDWH PRGH QR DXGL 5HSODFLQJ WKH DQWHQQD +ROG WKH DQWHQQD QHDU WK
6DIHW\ LQIRUPDWLRQ 9HKLFOH VDIHW\ 5HVSHFW QDWLRQDO UHJXODWLRQV RQ WKH XVH RI PRELOH WHOHSKRQHV LQ YHKLFOHV 5RDG VDIHW\ DOZD\V FRPHV ILUVW $OZD\V JLYH \RXU IXOO DWWHQWLRQ WR GULYLQJ 'R QRW XVH D KDQGKHOG SKRQH ZKLOVW GULYLQJ ,I \RX GRQ W KDYH D KDQGVIUHH FDU NLW VWRS DQG SDUN \RXU YHKLFOH VDIHO\ EHIRUH XVLQJ \RXU SKRQH ,I HTXLSSHG ZLWK D FRUUHFWO\ LQVWDOOHG YHKLFOH NLW DOORZLQJ KDQGV IUHH RSHU DWLRQ DQG \RX QHHG WR PDNH RU UHFHLYH D FDOO HQVXUH WKDW LW LV GRQH VHQVLEO\ DQG VDIHO\ 8VH SUH
7KH 38.
6,0 FDUG %HIRUH \RX FDQ XVH \RXU SKRQH D YDOLG 6,0 FDUG PXVW EH LQVHUWHG LQWR WKH 6,0 FDUG KROGHU ,I D 6,0 FDUG LV QRW LQVHUWHG RU LQVHUWHG LQFRUUHFWO\ &KHFN 6,0 ZLOO EH GLV SOD\HG ZKHQ WKH SKRQH LV WXUQHG RQ )LWWLQJ 6HH ´,QVHUWLQJ WKH 6,0 FDUGµ SDJH 5HPRYLQJ 7XUQ RII WKH SKRQH 2SHQ WKH SURWHFWLYH UXEEHU FDS 3XVK WKH 6,0 HMHFWRU NQRE WR WKH ULJKW DQG SXOO RXW WKH FDUG 3XVK WKH SURWHFWLYH UXEEHU FDS EDFN LQWR SRVLWLRQ 3UHSDULQJ WKH SKRQH IRU RSHUDWLRQ 3UHSDULQJ WKH SKRQH IRU RS
%DWWHU\ )LWWLQJ &RQQHFW WKH EDWWHU\ DV VKRZQ EHORZ 3RVLWLRQ WKH EDWWHU\ RQWR WKH SKRQH DV VKRZQ 3XVK GRZQ WKH RSSRVLWH HQG RI WKH EDWWHU\ RQWR WKH SKRQH XQWLO WKH EDWWHU\ FDWFK FOLFNV VKXW &KHFN WKH EDWWHU\ LV VHFXUHO\ LQ SODFH %DWWHU\ FDWFK ,I WKHUH LV QRW HQRXJK FKDUJH LQ WKH EDWWHU\ WR SRZHU WKH SKRQH IROORZ WKH LQVWUXFWLRQV IRU EDWWHU\ FKDUJLQJ RQ SDJH 5HPRYLQJ 3XVK XS DQG KROG WKH EDWWHU\ FDWFK /LIW WKH HQG RI WKH EDWWHU\ XS DQG DZD\ IURP WKH FDWFK DQG WKH SKRQH 5HOH
:KHQ WKH EDWWHU\ SRZHU IDOOV WR LWV ORZHVW OHYHO WKH PHVVDJH /RZ %DWWHU\ ZLOO EH GLVSOD\HG DQG D ORZ EDWWHU\ ZDUQLQJ WRQH ZLOO VRXQG ,I \RX DUH RQ D FDOO WHUPLQDWH WKH FDOO DQG WXUQ RII WKH SKRQH E\ SUHVV LQJ DQG KROGLQJ GRZQ 5HFKDUJH WKH EDWWHU\ DV VKRZQ EHORZ RU VZDS LW IRU D FKDUJHG RQH 'R QRW WXUQ RII WKH SKRQH E\ UHPRYLQJ WKH EDWWHU\ 'DWD WKDW QHHGV WR EH VDYHG E\ WKH 6,0 PD\ EH ORVW &KDUJLQJ 7R HQVXUH D ORQJ OLIH IRU \RXU EDWWHU\ UH FKDUJH LW RQO\ ZKHQ WKH /RZ %DWWHU\ ZDUQLQJ LV G
&KDUJLQJ LQGLFDWRUV ZKHQ WKH PRELOH LV RII 'XULQJ FKDUJLQJ &KDUJLQJ ZLOO EH GLVSOD\HG 7KH /(' ZLOO EH UHG :KHQ FKDUJLQJ LV ILQLVKHG %DWWHU\ IXOO ZLOO EH GLVSOD\HG DQG WKH /(' ZLOO FKDQJH WR JUHHQ &KDUJLQJ LQGLFDWRUV ZKHQ WKH PRELOH LV RQ 'XULQJ FKDUJLQJ WKH WKUHH VHFWLRQ EDWWHU\ LFRQ ZLOO IODVK EDUV FRQWLQXRXVO\ :KHQ FKDUJLQJ LV FRPSOHWHG WKH EDWWHU\ LQGLFDWRU ZLOO VKRZ WKUHH VROLG EDUV 7KH /(' LV QRW XVHG DV D FKDUJLQJ LQGLFDWRU ZKHQ WKH PRELOH LV RQ ,I D FDOO LV UHFHLYHG GXULQJ FKD
%DWWHU\ GLVSRVDO 3OHDVH GLVSRVH RI \RXU ROG EDWWHULHV LQ DFFRUGDQFH ZLWK \RXU QDWLRQDO OHJLVWODWLRQ RQ WKH SURWHFWLRQ RI WKH HQYLURQPHQW ,I LQ GRXEW SOHDVH FRQVXOW ZLWK \RXU ORFDO DXWKRULWLHV HQYLURQPHQWDO GHSDUWPHQW ZKR ZLOO EH DEOH WR RIIHU \RX DGYLFH RQ GLVSRVDO 3UHSDULQJ WKH SKRQH IRU RSHUDWLRQ PD\ VKRUW FLUFXLW WKH EDWWHU\ WHUPLQDOV H J NH\V SDSHU FOLSV FRLQV FKDLQV HWF 'R QRW GURS RU VXEMHFW WKH EDWWHULHV WR VWURQJ SK\VLFDO VKRFNV 'R QRW WU\ WR GLVDVVHPEOH DQ\ RI WKH EDWWHU\ SDFN
%DVLF RSHUDWLRQV 7XUQLQJ RQ WKH SKRQH WKH VWDQGE\ GLVSOD\ DQG WXUQLQJ RII WKH SKRQH 7XUQLQJ RQ WKH SKRQH 3UHVV DQG KROG GRZQ $ VZLWFK RQ WRQH ZLOO EH KHDUG ,I WKH PRELOH LV ORFNHG (QWHU ORFN FRGH ZLOO EH GLVSOD\HG (QWHU WKH GLJLW SKRQHORFN FRGH DQG SUHVV HLWKHU 2. RU ,I \RXU 6,0 LV 3,1 SURWHFWHG (QWHU 3,1 ZLOO EH GLVSOD\HG (QWHU WKH 3,1 FRGH DQG SUHVV HLWKHU 2.
1DPHV 3UHVVLQJ 1DPHV LQ WKH VWDQGE\ GLVSOD\ JLYHV \RX GLUHFW DFFHVV WR DOO \RXU VWRUHG SKRQHERRN HQWULHV ZLWK DOO WKH VDPH IXQFWLRQV DV ZKHQ DFFHVVLQJ WKH 3KRQH %RRN IURP WKH PDLQ PHQX .
,QWHUQDWLRQDO FDOOV PXVW EH SUHIL[HG ZLWK HLWKHU RU WKH V\PERO DQG WKH FRXQWU\ FRGH IROORZHG E\ WKH QXPEHU 7R HQWHU WKH V\PERO EHIRUH D QXPEHU SUHVV DQG KROG GRZQ 6HH ´,QWHUQDWLRQDO GLDOOLQJ FRGHVµ EHORZ LI \RX GRQ W NQRZ WKH FRGH IRU WKH FRXQWU\ \RX ZLVK WR FDOO $ PD[LPXP RI GLJLWV FDQ EH HQWHUHG &RUUHFW DQ\ PLVWDNHV E\ SUHVVLQJ &OHDU +ROGLQJ GRZQ WKLV NH\ ZLOO FOHDU WKH ZKROH GLVSOD\ 3UHVV WR GLDO VHQG WKH QXPEHU 7KH GLDOOHG QXPEHU WRJHWKHU ZLWK WKH DQLPDWHG LFRQ ZLOO E
7KH FDOO WLPHU ZLOO VWRS DQG ZLOO GLVDSSHDU :DLWLQJ D IHZ VHFRQGV RU SUHVVLQJ ([LW ZLOO UHWXUQ WR WKH VWDQGE\ GLVSOD\ 1% FORVLQJ WKH IOLS GRHV QRW HQG D FDOO 5HFHLYLQJ FDOOV 3UHVV 3UHVVLQJ WKH 1R ULQJ VRIWNH\ ZLOO VWRS WKH VRXQG RI WKH ULQJ WRQH DOORZLQJ \RX WR VLOHQFH WKH SKRQH DQG JR RXW RI D URRP EH IRUH SUHVVLQJ 1% RSHQLQJ WKH IOLS GRHV QRW DQVZHU D FDOO 7R UHMHFW DQG UHWXUQ WKH EXV\ VLJQDO WR WKH FDOOHU 3UHVV ,I DFFHSWHG ZLOO EH GLVSOD\HG 3URFHHG ZLWK WKH FDOO LQ WKH QRU
8QDQVZHUHG FDOO YRLFH PDLO DQG QHZ 606 PHVVDJH LQGLFDWRUV ,I DQ\ UHFHLYHG FDOOV UHPDLQ XQDQVZHUHG ZLOO EH GLVSOD\HG 3UHVV 5HDG WR YLHZ WKH FDOOHUV QXPEHUV LI DYDLODEOH DQG WKH GDWH DQG WLPH WKH FDOO ZDV UHFHLYHG 3UHVV WR FDOO WKH QXPEHU 8QDQVZHUHG FDOO QXPEHUV ZLOO EH VWRUHG LQ WKH XQDQVZHUHG FDOOV ORJ VHH SDJH IRU GHWDLOV :KHQ \RX UHFHLYH QRWLILFDWLRQ WKDW D YRLFH PHVVDJH KDV EHHQ GHSRVLWHG LQ \RXU YRLFH PDLO ER[ DQ DOHUW WRQH ZLOO VRXQG DQG ZLOO DSSHDU LQ WKH GLV SOD\ 3UHVV 5H
*HQHUDO RSHUDWLRQV 'LDOOLQJ IURP PHPRU\ $Q\ QXPEHU VWRUHG LQ WKH 6,0 RU WKH SKRQH PHPRU\ ZKLFK FDQ EH UHFDOOHG WR WKH GLVSOD\ FDQ EH GLDOOHG IURP WKH SKRQHERRN 3UHVV 1DPHV WR HQWHU WKH SKRQHERRN OLVW 8VH RU DQG WR VFUROO WR WKH QXPEHU UHTXLUHG 3UHVV WR GLDO WKH QXPEHU 6HH ´3KRQH %RRNµ SDJH IURP WKH ODVW GLDOOHG QXPEHUV OLVW 3UHVV WR GLVSOD\ WKH ODVW QXPEHUV GLDOOHG 8VH RU DQG WR VFUROO WR WKH QXPEHU UHTXLUHG 3UHVV WR GLDO WKH QXPEHU IURP WKH FDOO
6SHHG GLDOOLQJ $Q\ QXPEHU VWRUHG LQ WKH 6,0 FDQ EH DOORFDWHG WR WKH VSHHG GLDOOLQJ NH\V RI 3UHVV DQG KROG GRZQ WKH UHTXLUHG NH\ WR 7KH QXPEHU ZLOO EH UHFDOOHG WR WKH GLVSOD\ DQG EH GLDOOHG LQ WKH QRUPDO ZD\ %\ GHIDXOW LV DOZD\V DOORFDWHG WR WKH YRLFH PDLO QXPEHU 6HH SDJH RQ KRZ WR DOORFDWH QXPEHUV WR WKH VSHHG GLDOOLQJ NH\V 9LEUDWH DOHUW PRGH 7R DYRLG GLVWXUELQJ RWKHUV \RX FDQ VLOHQFH WKH LQFRPLQJ ULQJ DQG DOHUW WRQHV 7XUQLQJ RQ 3UHVV 6HOHFW 9LEUDWH 9LEUDWH ULQJ RU 9LE
9ROXPH DGMXVWPHQW 7R DGMXVW WKH UHFHLYHG DXGLR OHYHO GXULQJ FRQYHUVDWLRQ 3UHVV DQG XVH HLWKHU 9RO RU 9RO RU DQG WR LQFUHDVH RU GHFUHDVH WKH YROXPH WKURXJK WKH HLJKW OHYHOV DV VKRZQ LQ WKH GLVSOD\ :DLW VHFRQGV WR UHWXUQ EDFN WR WKH SUHYLRXV GLVSOD\ 6HH DOVR ´9ROXPH DGMXVWPHQWVµ SDJH 6HQGLQJ '70) WRQHV '70) WRQHV DUH XVHG WR DFFHVV DQVZHU SKRQHV YRLFH PDLO ER[HV DQG FRPSXWRULVHG KRPH EDQNLQJ HWF 7KHVH WRQHV DUH D PHWKRG WR FRPPXQLFDWH SDVVZRUGV DQG FDOOEDFN QXPEHUV
,Q FDOO RSWLRQV +ROGLQJ DQG UHWULHYLQJ D FDOO 7R SXW D FDOO RQ KROG GXULQJ FRQYHUVDWLRQ 3UHVV 7R UHWULHYH D FDOO 3UHVV 7R PDNH D VHFRQG FDOO ZKHQ RQH FDOO LV RQ KROG (QWHU D QXPEHU LQ WKH GLVSOD\ 3UHVV WR GLDO WKH QXPEHU $IWHU WKH VHFRQG FDOO KDV EHHQ HVWDEOLVKHG SUHVV WR VZDS EHWZHHQ WKH WZR FDOOV 7R HQG HLWKHU WKH FXUUHQW FDOO RU WKH KHOG FDOO SUHVV DQG VHOHFW HLWKHU (QG KHOG RU (QG DFWLYH IURP WKH PHQX 7KH UHPDLQLQJ FDOO LV DXWRPDWLFDOO\ UHWULHYHG 3UHVV WR HQG WKH UH
FDOO RQ KROG RU SUHVV 5HMHFW WR UHMHFW WKH FDOO DQG UHWXUQ D EXV\ VLJQDO WR WKH FDOOHU 3UHVV WR VZDS EHWZHHQ WKH WZR FDOOV 8VH DQG WR HQG RQH RU ERWK RI WKH FDOOV DV GHVFULEHG DERYH 0XOWL SDUW\ RU FRQIHUHQFH FDOOV 7KLV QHWZRUN GHSHQGHQW IHDWXUH JLYHV \RX WKH DELOLW\ WR PDNH RU UH FHLYH EHWZHHQ WR FDOOV DW WKH VDPH WLPH ZLWK DOO SDUWLHV EHLQJ DEOH WR KHDU DQG WDON ZLWK HDFK RWKHU 0DNH DQG HVWDEOLVK D FDOO LQ WKH QRUPDO ZD\ DQG SUHVV (QWHU DQRWKHU QXPEHU LQWR WKH GLVSOD\ DQG S
7KH PHQX 00, V\VWHP 7KH SKRQH FRQWDLQV PDQ\ IXQFWLRQV DQG IHDWXUHV WKDW FDQ EHHQ VHHQ DQG HQWHUHG WKURXJK WKH HDV\ WR XVH PHQX V\VWHP 7KURXJK \RXU 6,0 FDUG WKH SKRQH LV DOVR DEOH WR GHWHFW DQG GLVSOD\ LQ WKH PHQX IHDWXUHV WKDW KDYH EHHQ UHTXHVWHG IURP \RXU VHUYLFH SURYLGHU DV ZHOO DV VXSSUHVV RQHV WKDW KDYH QRW EHHQ VXEVFULEHG WRR $FFHVV WR WKH PHQXV )URP WKH VWDQGE\ GLVSOD\ DQG IRU FRQYHQLHQFH DOO VWRUHG WHOHSKRQH QXPEHUV LQ WKH SKRQHERRN FDQ EH YLHZHG LPPHGLDWHO\ E\ SUHVVLQJ 1DPHV 7R HQWHU
RU %URDGFDVW RU 6HWWLQJV RU 2IILFH 7RROV RU 'LDU\ RU &DOFXODWRU RU *DPHV RU ,QWHUQHW &DOO GLYHUWLQJ &DOO ZDLWLQJ 6HQGLQJ P\ ,' 5HFHLYLQJ FDOOHU ,' 1HWZRUN &DOO EDUULQJ &8* 2Q 2II 0HVVDJH W\SHV $OHUW /DQJXDJH .H\SDG ORFN /DQJXDJH (GLWLRQ 7RQHV 'LVSOD\ .
(QWHULQJ WH[W 6RPH IHDWXUHV DQG IXQFWLRQV H J VWRUDJH RI QDPHV LQWR PHPRU\ RU VHQGLQJ 606 WH[W PHVVDJHV UHTXLUH \RX WR NQRZ KRZ WR HQWHU DQG HGLW WH[W LQ WKH GLVSOD\ ,Q WKH GLVSOD\ WKLV ZLOO EH LQGLFDWHG E\ LQ ORZHU FDVH PRGH DQG E\ LQ XSSHU FDVH PRGH 7H[W DQG DOSKDEHW FKDUDFWHUV FDQ WKHQ EH HQWHUHG RU HGLWHG GLUHFWO\ IURP WKH NH\SDG 7KH FKDUDFWHUV DYDLODEOH ZKLFK DUH ODQJXDJH GHSHQGHQW DUH VKRZQ EHORZ .
7KH 0XOWLWDS 0XOWLSUHVV PHWKRG 7R VHOHFW DQG LQVHUW D FKDUDFWHU LQWR WKH WH[W 7KH FKDUDFWHUV DUH DUUDQJHG DV WKH FKDUDFWHUV RI WKH NH\SDG ,Q WKLV H[DPSOH SUHVVLQJ ZRXOG VHOHFW DQG LQVHUW LW GLUHFWO\ LQWR WKH WH[W 8VH RU WR VFUROO WR WKH QH[W SDJH ([DPSOH 7R HQWHU &DUG LQ WKH GLVSOD\ 3UHVV 0HQX DQG VHOHFW 0HVVDJHV 6HOHFW :ULWH QHZ 6HOHFW 0HVVDJH LV GLVSOD\HG 3UHVV EULHIO\ WKUHH 3UHVV DQG KROG XQWLO WLPHV & ZLOO DSSHDU LQ WKH GLVSOD\ :DLW IRU WKH DYDLODEOH F
7 WH[W HQWU\ $ SUHVV RQ ZLOO VZDS EHWZHHQ 7 WH[W HQWU\ DQG WKH 0XOWLWDS PHWKRG 2SHUDWLRQ ZKHQ LQ 7 PRGH WH[W HQWU\ 3UHVV WKH NH\ ZLWK WKH UHTXLUHG OHWWHU RQO\ RQFH 'R QRW EH SXW RII LI WKH FKDUDFWHU \RX ZDQW LV QRW LPPHGLDWHO\ GLVSOD\HG 7KH DFWLYH ZRUG FKDQJHV DV \RX W\SH VR W\SH WR WKH HQG RI WKH ZRUG ,I \RXU ZRUG LV QRW GLVSOD\HG SUHVV IRU RWKHU PDWFKLQJ ZRUGV ,I \RXU ZRUG LV QRW UHFRJQLVHG SUHVV WR VZDS WR WKH PXOWLWDS PHWKRG WR FRPSOHWH WKH ZRUG 8VH WR ORFDWH
'HVFULSWLRQ RI PHQX IXQFWLRQV IHDWXUHV 1HWZRUN VHUYLFHV
7XUQLQJ RQ RII WKH YRLFH PDLO DOHUW WRQH ,I \RX ZLVK D WRQH WR VRXQG DOHUWLQJ \RX RI WKH UHFHLSW RI D YRLFH PDLO PHVVDJH 3UHVV 0HQX 6HOHFW 9RLFH 0DLO 6HOHFW $OHUW 6HOHFW 2Q RU 2II 3UHVV ([LW WR UHWXUQ WR D SUHYLRXV GLVSOD\ RU WR WKH VWDQGE\ GLVSOD\ WR UHWXUQ &DOOLQJ WKH YRLFH PDLO FHQWUH WR FKHFN IRU PHVVDJHV 7KHUH DUH WZR ZD\V 7R GLDO WKH YRLFH PDLO FHQWUH GLUHFWO\ DIWHU WKH UHFHLSW RI D PHVVDJH 3UHVV DQG KROG GRZQ $OWHUQDWLYHO\ 3UHVV 0HQX 6HOHFW 9RLFH 0DLO
'LUHFWO\ IURP WKH VWDQGE\ GLVSOD\ (QWHU WKH QXPEHU 3UHVV 6WRUH 6HOHFW 3KRQH QDPHV RU 6,0 QDPHV &RQILUP WKH QXPEHU E\ SUHVVLQJ 2. (QWHU WKH QDPH LI UHTXLUHG DQG SUHVV 2. &RQILUPDWLRQ RI \RXU HQWU\ DQG WKH UHPDLQLQJ ORFDWLRQV ZLOO EH EULHIO\ GLV SOD\HG 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 8VLQJ WKH PHQX 3UHVV 0HQX 6HOHFW 3KRQH %RRN 6HOHFW 6WRUH 6HOHFW 3KRQH QDPHV RU 6,0 QDPHV (QWHU WKH QXPEHU DQG SUHVV 2. (QWHU WKH QDPH DQG SUHVV 2.
'LUHFWO\ IURP WKH VWDQGE\ GLVSOD\ 3UHVV 1DPHV WR GLVSOD\ WKH SKRQHERRN OLVW 8VH RU DQG WR VFUROO WKURXJK WKH OLVW 8VLQJ WKH PHQX 3UHVV 0HQX DQG VHOHFW 3KRQH %RRN 6HOHFW 5HFDOO (LWKHU SUHVV 2. RU HQWHU XS WR WKH ILUVW LQLWLDOV RI WKH QDPH UHTXLUHG DQG WKHQ SUHVV 2.
7R DGG RU HGLW D QDPH RU QXPEHU SUHVV (GLW 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ )L[HG GLDOOLQJ QXPEHUV )'1 )L[HG GLDOOLQJ LV D IHDWXUH WKDW UHVWULFWV RXWJRLQJ FDOOV WR IL[HG QXP EHUV RU SUHIL[HV FRQWDLQHG LQ 6,0V WKDW VXSSRUW WKLV IHDWXUH :KHQ WXUQHG RQ GLDOOLQJ QXPEHUV QRW LQ WKH )'1 OLVW ZLOO QRW EH DOORZHG 7KH PD[LPXP QXPEHU RI )'1 QXPEHUV WKDW FDQ EH VWRUHG LV GHSHQG HQW XSRQ WKH FDSDFLW\ RI WKH 6,0 &DOO GLYHUWLQJ DQG VHQGLQJ 606 PHVVDJHV WR QXPEHUV QRW LQ WKH )'1
WRQH EHIRUH VHOHFWLRQ 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 6SHHG GLDOOLQJ 3KRQHERRN QXPEHUV FDQ EH DVVLJQHG WR NH\V ZKLFK ZKHQ SUHVVHG DQG KHOG GRZQ ZLOO GLDO VSHHG GLDO WKRVH QXPEHUV GLUHFWO\ IURP PHPRU\ LV UHVHUYHG H[FOXVLYHO\ IRU WKH YRLFH PDLO QXPEHU DQG LV DVVLJQHG DXWRPDWLFDOO\ ZKHQ WKH YRLFH PDLO QXPEHU LV VWRUHG VHH ´9RLFH PDLOµ SDJH 1XPEHUV VWRUHG LQ WKH 6,0 DQG LQ WKH SKRQH IL[HG GLDOOLQJ QXPEHUV H[FHSWHG FDQ EH VHOHFWHG 7R DVVLJQ SKRQHERRN QXPEHUV
3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 5HDGLQJ VWRUHG 606 H PDLO PHVVDJHV 3UHVV 0HQX 6HOHFW 0HVVDJHV 6HOHFW ,QER[ WR GLVSOD\ WKH ILUVW PHVVDJH KHDGHU 3UHVV 7H[W WR UHDG WKH PHVVDJH WH[WV ,W LV QRZ SRVVLEOH WR UHDG DOO VWRUHG PHVVDJHV 8VH RU WR VFUROO EHWZHHQ SDJHV RU EHWZHHQ PHVVDJHV 8QUHDG PHVVDJHV DUH LQGLFDWHG E\ SUHYLRXVO\ UHDG PHVVDJHV DUH VKRZQ E\ 0DQDJLQJ UHFHLYHG DQG VWRUHG 606 H PDLO PHVVDJHV $IWHU UHDGLQJ WKH 606 PHVVDJH SUHVV 1XPEHUV IRU WKH IROO
,I HPSW\ HQWHU WKH QXPEHU PDQXDOO\ LQ LQWHUQDWLRQDO IRUPDW RU IURP D VWRUHG PHPRU\ DQG SUHVV 2. ,I D QXPEHU DSSHDUV LW PHDQV WKDW LW ZDV WDNHQ GLUHFWO\ IURP WKH LQIRUPDWLRQ VWRUHG LQ \RXU 6,0 SUHVV 2. 6HOHFW *DWHZD\ DGGUHVV ,I DQ DGGUHVV XVXDOO\ D WHOHSKRQH QXPEHU DSSHDUV SUHVV 2. ,I QRW HQWHU WKH QXPEHU DQG WKHQ SUHVV 2.
0HVVDJHV LQ WKH RXWER[ 7KH RXWER[ FRQWDLQV XQVHQW GUDIW PHVVDJHV VWRUHG VHQW PHVVDJHV DV ZHOO DV VHQW EXW XQGHOLYHUHG PHVVDJHV LGHQWLILHG E\ WKHLU KHDGHUV 7KHVH PHVVDJHV FDQ EH VHOHFWHG IURP WKH RXWER[ PHQX DQG FDQ EH PRGLILHG DQG UHVHQW DV QHZ 606 PHVVDJHV LQ WKH QRUPDO ZD\ 7R VHOHFW DQ RXWER[ PHVVDJH 3UHVV 0HQX 6HOHFW 0HVVDJHV 6HOHFW 2XWER[ DQG XVH RU DQG WR VFUROO WR WKH GHVLUHG PHVVDJH 0HVVDJHV ZLOO EH PDUNHG HLWKHU WUDQVPLWWHG RU WR EH VHQW 3UHVV WR UH
6HOHFW 0VJ WHPSODWHV &KRRVH DQ\ EODQN > @ WHPSODWH DQG SUHVV (GLW 7KH GLVSOD\ ZLOO SURPSW \RX WR HQWHU WKH WHPSODWH 1DPH 0VJ &HQWUH QXPEHU 9DOLGLW\ SHULRG DQG )RUPDW 'HIDXOW VHWWLQJV IRU SD\ UHSO\ DQG VWDWXV DUH DVVXPHG RII XQOHVV VHW ,I RQO\ RQH WHPSODWH LV VHW LW LV DXWRPDWLFDOO\ XVHG E\ GHIDXOW ,I PRUH WKDQ RQH WHPSODWH LV SURJUDPPHG DQ\ RQH FDQ EH VHOHFWHG IRU XVH ZKHQ ZULWLQJ QHZ PHVVDJHV &DOOV 7LPHV 'HWDLOV RI WKH LQFRPLQJ DQG RXWJRLQJ FDOOV DV ZHOO DV WKH WLPH GXUDWLRQ RI
&DOO WLPHV 7KH GXUDWLRQ WLPH RI WKH ODVW FDOO WRWDO DFFXPXODWHG WLPH RI DOO FDOOV DQG WRWDO WLPH IRU /LQH DQG /LQH DUH VWRUHG 7LPHV IRU FDOOV PDGH DQG UHFHLYHG WKURXJK WKH KRPH VXEVFULSWLRQ QHWZRUN DQG WKURXJK RWKHU QDWLRQDO DQG LQWHUQDWLRQDO QHWZRUNV DUH GLVSOD\HG XQGHU WKH 'HWDLOV VXE PHQX 3UHVV 0HQX 6HOHFW &DOOV 7LPHV 6HOHFW &DOO WLPHUV 6HOHFW 6KRZ 8VH RU DQG WR YLHZ DOO WKH WLPHU LQIRUPDWLRQ 7KH FDOO W\SH DQG WKH DFFXPXODWHG WLPHV RI RXWJRLQJ DQG LQFRP LQJ FDOOV ZLOO EH GL
5HPLQGHU &DOO GXUDWLRQ $ FDOO GXUDWLRQ UHPLQGHU EHHSV WR UHPLQG \RX RI WKH GXUDWLRQ RI D FDOO ,W FDQ EH VHW LQ PXOWLSOHV RI PLQXWH PLQV LQWHUYDOV 3UHVV 0HQX 6HOHFW &DOOV 7LPHV 6HOHFW &DOO WLPHUV 6HOHFW 5HPLQGHU 6HOHFW 2Q RU 2II 6HOHFW WKH SHULRG EHWZHHQ DQG PLQV 3UHVV 2.
7R VHW FDOO FRVW W\SH WR XQLWV 3UHVV 0HQX 6HOHFW &DOOV 7LPHV 6HOHFW &DOO FRVWV 6HOHFW 'LVSOD\ FRVW W\SH 6HOHFW 8QLWV 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ :KHQ WKH FRVW W\SH LV VHW WR XQLWV WKH FUHGLW OLPLW DQG WKH UHPDLQLQJ FUHGLW DUH VKRZQ LQ XQLWV $IWHU VHWWLQJ WKH FXUUHQF\ DQG FRVW SHU XQLW LI UHTXLUHG DQG DYDLODEOH RQ \RXU VXEVFULSWLRQ \RX DUH DOVR DEOH WR VHW D FUHGLW OLPLW LQ XQLWV RU DQ DPRXQW LQ WKH FXUUHQF\ RI \RXU FKRLFH :KHQ WKH FUHGLW OLPLW LV UHDFKHG
/LQH VHOHFWLRQ $OWHUQDWH OLQH VHUYLFH VHOHFWLQJ OLQH VXE VFULSWLRQ VHUYLFH 6RPH *60 RSHUDWRUV VXSSRUW WKH XVH RI D VHFRQG OLQH ZKLFK FDQ EH PDGH DYDLODEOH WR H[LVWLQJ XVHUV 7KLV LV QRUPDOO\ D VXEVFULS WLRQ VHUYLFH DQG DOORZV IRU H[DPSOH WKH VHSDUDWLRQ RI LQFRPLQJ DQG RXWJRLQJ FDOOV IRU EXVLQHVV RU SULYDWH XVH 7KH VHFRQG OLQH ZLOO KDYH LWV RZQ PRELOH QXPEHU 7R VHOHFW WKH OLQH IRU RXWJRLQJ FDOOV 3UHVV 0HQX 6HOHFW &DOOV 7LPHV 6HOHFW /LQH VHOHFWLRQ 8VH RU DQG WR VFUROO
3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ ,I WKH 2Q 1R 5HSO\ RSWLRQ LV VHOHFWHG \RX ZLOO EH UHTXHVWHG WR HQWHU D GHOD\ SHULRG RI RU 7R WXUQ RII RU FKHFN WKH VWDWXV RI LQGLYLGXDO FDOO GLYHUWV 3UHVV 0HQX 6HOHFW *60 6HUYLFHV 6HOHFW &DOO GLYHUWLQJ 6HOHFW 9RLFH )D[ RU 'DWD 8VH RU DQG WR VHOHFW WKH GLYHUW FRQGLWLRQ DQG YDOL GDWH E\ SUHVVLQJ 6HOHFW 6HOHFW &DQFHO RU 6WDWXV
FDVH LI \RX ZLVK WR UHYHDO \RXU QXPEHU RQ D FDOO E\ FDOO EDVLV \RX FDQ GR VR E\ DGGLQJ EHIRUH WKH QXPEHU \RX ZLVK WR FDOO 6WDQGDUG QHWZRUN VHWWLQJ 7R UHVHW WKH VWDQGDUG QHWZRUN VHWWLQJ IRU VHQGLQJ \RXU PRELOH ,' 3UHVV 0HQX 6HOHFW *60 6HUYLFHV 6HOHFW 6HQGLQJ P\ ,' 6HOHFW 0\ VHWWLQJV 6HOHFW 3UHVHW 7KH SKRQH ZLOO UHVHW WR WKH QHWZRUN VHWWLQJ DJUHHG ZLWK \RXU VHUYLFH SURYLGHU 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ +LGLQJ RU VKRZLQJ \RXU QXPEHU 3UHVV 0HQX
3UHVV WR FKDQJH LW 7KH IROORZLQJ LWHPV DUH GLVSOD\HG 2SWLRQ 0RGLI\ E\ OLVW 0RGLI\ E\ FRGH 'HOHWH 'HVFULSWLRQ 'LVSOD\V WKH JHQHUDO OLVW RI DOO NQRZQ QHWZRUNV FRQWDLQHG LQ WKH SKRQH LQ DOSKDEHWLFDO RUGHU (GLWV RU HQWHUV D QHWZRUN QXPEHU 0&& 01& LI \RX NQRZ WKLV LQIRUPDWLRQ 'HOHWHV DQ HQWU\ 3UHVV 6HOHFW WR FRQILUP WKH VHOHFWLRQ 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\
$Q DXWRPDWLF VHDUFK ZLOO EH SHUIRUPHG 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ &DOO EDUULQJ QHWZRUN VHUYLFH 7KLV LV D QHWZRUN VHUYLFH ZKLFK DOORZV \RX WR VWRS GLIIHUHQW W\SHV RI FDOOV EHLQJ PDGH DQG UHFHLYHG RQ WKH SKRQH ,W UHTXLUHV WKH XVH RI D QHWZRUN EDUULQJ SDVVZRUG DYDLODEOH RQO\ IURP \RXU VHUYLFH SURYLGHU 7R SXW RQ D FDOO EDU 3UHVV 0HQX 6HOHFW *60 6HUYLFHV 6HOHFW &DOO EDUULQJ 6HOHFW 2XWJRLQJ FDOOV RU ,QFRPLQJ FDOOV 7KH IROORZLQJ RSWLRQV ZLOO EH GLVSOD\HG 6HOHFW 2
6HOHFW &KDQJH SDVVZRUG 7KH ROG SDVVZRUG ZLOO EH UHTXHVWHG IROORZHG E\ WZR UHTXHVWV WR HQWHU WKH QHZ SDVVZRUG &RQILUPDWLRQ ZLOO EH GLVSOD\HG 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ &ORVHG XVHU JURXS &8* VXEVFULSWLRQ VHUYLFH RQO\ 7KLV LV D QHWZRUN VHUYLFH IHDWXUH DQG DOORZV WKH SKRQH WR PDNH RU UH FHLYH FDOOV RQO\ IURP VHOHFWHG JURXSV RI SHRSOH 7KH JURXSV OHYHO RI DFFHVV DQG ZKHWKHU RQH RI WKH JURXSV KDV SUHIHUHQWLDO FDOOLQJ DFFHVV LV VHW XS DW WKH WLPH RI VXEVFULSWLRQ 7KLV
%HIRUH \RX FDQ WXUQ RQ WKH EURDGFDVW VHUYLFH \RX KDYH WR SXW DW OHDVW RQH PHVVDJH W\SH LQ WKH 6HOHFWHG W\SHV OLVW 7R HQWHU D PHVVDJH W\SH LQ WKH 6HOHFW W\SHV OLVW 8S WR PHVVDJH W\SHV FDQ EH HQWHUHG LQWR WKH VHOHFWLRQ OLVW 3UHVV 0HQX 6HOHFW %URDGFDVW 6HOHFW 0HVVDJH W\SHV 3UHVV (GLW DQG XVH RU DQG WR VFUROO WR DQ\ RQH RI WKH PHVVDJH W\SHV DQG SUHVV 6HOHFW WR FRQILUP \RXU FKRLFH $OWHUQDWLYHO\ SUHVV WR HQWHU D PHVVDJH W\SH E\ FRGH QXPEHU LI NQRZQ 3UHVV (GLW DJDLQ WR
7R WXUQ RQ RU RII WKH DOHUW WRQH ,I UHTXLUHG DQ DOHUW WRQH FDQ EH WXUQHG RQ WR EHHS HYHU\ WLPH D QHZ RU XSGDWHG EURDGFDVW PHVVDJH LV UHFHLYHG 3UHVV 0HQX 6HOHFW %URDGFDVW 6HOHFW $OHUW 6HOHFW 2Q RU 2II 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 7R GHOHWH RU FKDQJH D PHVVDJH W\SH LQ WKH 6HOHFWHG W\SHV OLVW E\ QDPH RU FRGH %URDGFDVW ODQJXDJH $OO WKH EURDGFDVW PHVVDJHV FDQ EH VKRZQ LQ VHYHUDO ODQJXDJHV 7R VHOHFW WKH ODQJXDJH RI \RXU FKRLFH 3UHVV 0HQX 6HOHFW %URDGFDVW 6HO
3UHVV HLWKHU RU 8QORFN SOXV WR WXUQ NH\SDG ORFN RII 8VLQJ WKH PHQX 3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW .H\SDG ORFN WR WXUQ NH\SDG ORFN RQ 3UHVV HLWKHU RU 8QORFN SOXV WR WXUQ NH\SDG ORFN RII .
6HOHFW 5LQJ 9LEUDWH 9LEUDWH ULQJ RU 9LEUDWH WKHQ ULQJ WR YDOLGDWH \RXU FKRLFH 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ ,I 5LQJ LV VHOHFWHG EXW WKH ULQJ WRQH YROXPH KDV EHHQ VHW WR RII WKH LFRQ ZLOO DSSHDU LQ WKH GLVSOD\ $ ZDUQLQJ WKDW WKH ULQJ WRQH YROXPH LV RII ZLOO DOVR EH GLVSOD\HG ZKHQ WKH PRELOH LV VZLWFKHG RQ :KHQ WKH SKRQH LV FRQQHFWHG WR HLWKHU WKH 'HVN 7RS &KDUJHU +) NLW &/$ RU $& DGDSWRU WKH YLEUDWRU PRGH VHOHFWLRQ LV WHPSRUDULO\ LQKLELWHG DQG WKH SKRQH ZLOO UL
'XULQJ D FDOO \RX FDQ DGMXVW WKH HDUSLHFH YROXPH E\ SUHVVLQJ SUHVVLQJ 9RO DQG 9RO DQG ,I WKH ULQJ WRQH YROXPH OHYHO LV VHW WR 2II WKH ZDUQLQJ LFRQ ZLOO DSSHDU LQ WKH GLVSOD\ $ ZDUQLQJ ZLOO DOVR EH GLVSOD\HG ZKHQ WKH PRELOH LV VZLWFKHG RQ 5DPSLQJ 5DPSLQJ LV D IHDWXUH WKDW ZKHQ WXUQHG RQ ZLOO FDXVH WKH LQFRPLQJ ULQJ WRQH WR JUDGXDOO\ LQFUHDVH WR WKH PD[LPXP YROXPH OHYHO LI WKH FDOO LV QRW DQVZHUHG DIWHU WKH ILUVW ULQJ 3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW 7RQHV 6HOHFW 9ROXPH
6HOHFW 'LVSOD\ 6HOHFW &RQWUDVW $GMXVW WKH FRQWUDVW XVLQJ RU 3UHVV 2.
3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW $XWR IHDWXUHV 6HOHFW $XWR DQVZHU 6HOHFW 2Q RU 2II 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ $XWR UHWU\ 7KLV IHDWXUH HQDEOHV WKH SKRQH WR DXWRPDWLFDOO\ UHGLDO WKH QXPEHU RI D IDLOHG FDOO GXH WR D V\VWHP EXV\ RU XQDYDLODEOH VLJQDO IURP WKH QHW ZRUN IRU XS WR WLPHV DIWHU ZKLFK LW ZLOO VWRS 3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW $XWR IHDWXUHV 6HOHFW $XWR UHWU\ 6HOHFW 2Q RU 2II 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\
7R FKDQJH WKH SKRQH ORFN FRGH 3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW 6HFXULW\ 6HOHFW 3KRQH ORFN 6HOHFW &KDQJH &RGH DQG IROORZ WKH GLVSOD\ SURPSWV 3UHVV 2.
3,1 FRGH 7KH 3,1 FRGH SUHYHQWV XQDXWKRULVHG DFFHVV WR VRPH IHDWXUHV RI WKH SKRQH VXFK DV WXUQLQJ RQ RU RII )'1 RSHUDWLRQV PRGLI\LQJ WKH )'1 SKRQHERRN VHWWLQJ FDOOV FRVWV WR ]HUR PRGLI\LQJ WKH FRVWV GLVSOD\ IHDWXUHV ,W FDQ EH FKDQJHG EXW QRW WXUQHG RQ RU RII 7R FKDQJH WKH 3,1 FRGH 3UHVV 0HQX 6HOHFW 6HWWLQJV 6HOHFW 6HFXULW\ 6HOHFW 3,1 FKDQJH DQG IROORZ WKH GLVSOD\ SURPSWV 3UHVV 2. WR YDOLGDWH \RXU QHZ 3,1 FRGH 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 38.
6XPPDU\ RI FRGH SDVVZRUG HQWU\ FKDUW 3DVVZRUG /HQJWK 1XPEHU RI WULHV DOORZHG 8QORFN FRGH GLJLWV 8QOLPLWHG GLJLWV GLJLWV 3,1 3,1 WULHV WULHV 38. GLJLWV WULHV 38. GLJLWV WULHV &DOO EDUULQJ SDVVZRUG GLJLWV 1HWZRUN GHWHUPLQHG ,I EORFNHG RU IRUJRWWHQ 5HWXUQ SKRQH WR PDQXIDFWXUHU 8QEORFNHG E\ XVH RI 38. FRGH 8QEORFNHG E\ XVH RI 38.
7KH IROORZLQJ DUH WKH IDFWRU\ GHIDXOW VHWWLQJV )HDWXUH $OHUW 7RQHV 5LQJ 7RQHV 9ROXPHV 5LQJ .H\ 6SHHFK DQG $ODUP %DFNOLJKW DQG &RQWUDVW $Q\ .
6HOHFW 6HWWLQJV (QWHU WKH ILUVW FXUUHQF\ QDPH H J 'ROODU 3UHVV 2. (QWHU WKH VHFRQG FXUUHQF\ QDPH H J
:KHQ WKH DODUP WLPH LV UHDFKHG DQ DXGLEOH DOHUW VRXQGV IRU XS WR PLQXWH DQG WKH /(' ZLOO IODVK UHG $ODUP FORFN DQG D YLEUDWLQJ EHOO V\PERO ZLOO DSSHDU LQ WKH GLVSOD\ WRJHWKHU ZLWK WKH FXUUHQW WLPH DQG WKH VRIWNH\V 9DOLG DQG 1R ULQJ ,I WKH SKRQH LV RII DW WKH WLPH RI WKH DODUP WKH SKRQH ZLOO DXWRPDWL FDOO\ SRZHU RQ DQG RSHUDWH WKH DXGLEOH DQG YLVXDO DOHUWV GHVFULEHG DERYH 7R XVH DV D 5HPLQGHU RU 6QRR]H $ODUP 3UHVV 1R ULQJ RU DQ\ RWKHU NH\ H[FHSW 9DOLG WR VWRS WKH DODUP 7KH DODUP
&DXWLRQ 3OHDVH UHPHPEHU WR WXUQ RII WKH DODUP IHDWXUH ZKHQ ERDUGLQJ DQ DLUFUDIW ZKHUH WKH XVH RI D PRELOH SKRQH LV QRW SHUPLWWHG DQG LV LOOHJDO $OWHUQDWLYHO\ \RX FDQ UHPRYH WKH EDWWHU\ DIWHU WXUQLQJ RII WKH SKRQH 6HH WKH *HQHUDO VDIHW\ ZDUQLQJV RQ SDJH $XWR 6ZLWFK 2Q 2II 7KLV IHDWXUH HQDEOHV WKH XVHU WR DXWRPDWLFDOO\ SURJUDP WKH SKRQH WR VZLWFK 2Q RU 2II DW SUH GHWHUPLQHG WLPHV 7R VHW D 6ZLWFK 2Q RU 2II WLPH 3UHVV 0HQX 6HOHFW 2IILFH 7RROV 6HOHFW $XWR VZLWFK 6HOHFW $XWR VZLWFK RII
(QWULHV FDQ EH YLHZHG LQGLYLGXDOO\ RU RQ D VFUROOLQJ ZHHNO\ EDVLV 7R HQWHU D GLDU\ HYHQW 3UHVV 0HQX 6HOHFW 'LDU\ 6HOHFW 1HZ HYHQW 6HOHFW 2QFH 'DLO\ RU :HHNO\ (QWHU WKH GDWH DQG SUHVV 2. (QWHU WKH WLPH DQG SUHVV 2. (QWHU WKH WH[W DQG SUHVV 2.
6FUROO WR WKH GLDU\ HQWU\ \RX ZLVK WR GHOHWH RU HGLW DQG SUHVV 6HOHFW 5HDG WH[W (GLW RU 'HOHWH 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 7R GHOHWH ROG HYHQWV 3UHVV 0HQX 6HOHFW 'LDU\ 6HOHFW 'HOHWH ROG HYHQWV $OO SDVW HQWULHV ZLOO DXWRPDWLFDOO\ EH GHOHWHG 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\ 8VLQJ WKH &DOHQGDU 7KH FDOHQGDU LWHP LQ WKH GLDU\ PHQX FDQ EH XVHG WR YLHZ HQWULHV RQ D ZHHNO\ EDVLV HQWHU QHZ HYHQWV UHDG HGLW DQG GHOHWH HYHQWV 3UHVV
&DXWLRQ 3OHDVH UHPHPEHU WR WXUQ RII WKH 6ZLWFK RQ DODUP IHDWXUH ZKHQ ERDUGLQJ DQ DLUFUDIW ZKHUH WKH XVH RI PRELOH SKRQHV LV QRW SHUPLWWHG DQG LV LOOHJDO $OWHUQDWLYHO\ \RX FDQ UHPRYH WKH EDWWHU\ DIWHU WXUQLQJ RII WKH SKRQH 6HH WKH *HQHUDO VDIHW\ ZDUQLQJV RQ SDJH &DOFXODWRU 7KLV IHDWXUH HQDEOHV \RX WR PDNH VLPSOH FDOFXODWLRQV XVLQJ SOXV PLQXV PXOWLSOLFDWLRQ GLYLVLRQ DQG SHUFHQWDJH IXQFWLRQV 7R XVH WKH FDOFXODWRU 3UHVV 0HQX 6HOHFW &DOFXODWRU 7KH FDOFXODWRU LFRQ DQG Z
7KHUH DUH WZR JDPHV LQ WKH SKRQH 5HVKDSH DQG 3XVK 7KH LQVWUXFWLRQV WR SOD\ HDFK JDPH LV VKRZQ ZKHQ WKH JDPH VHOHFWLRQ LV PDGH 7KH 2SWLRQV LWHP LQ WKH PHQX HQDEOHV \RX WR VHOHFW WKH VRXQG HIIHFWV QR VRXQG PXVLF RU HOHFWURQLF VRXQG HIIHFWV 7R VHOHFW D JDPH 3UHVV 0HQX 6HOHFW *DPHV &KRRVH WKH JDPH \RX ZLVK WR SOD\ DQG SUHVV 6HOHFW 6HOHFW +HOS IRU LQVWUXFWLRQV RQ KRZ WR SOD\ WKH JDPH DQG WKH FRQWUROV WR EH XVHG 6HOHFW &RGH WR HQWHU DQG SOD\ WKH JDPH DW \RXU VNLOO OHYHO 6HOHFW 3OD
6WRULQJ HGLWLQJ WKH FRQQHFWLRQ VHWWLQJV REWDLQDEOH IURP \RXU QHWZRUN RSHUDWRU %HIRUH SURFHHGLQJ DQG LI \RX KDYH QRW DOUHDG\ GRQH VR SOHDVH HQWHU WKH FXUUHQW WLPH DQG GDWH DV GHVFULEHG RQ SDJH 7R HQWHU DQG VWRUH WKH 333 $FFHVV DQG 3UR[\ GHWDLOV 3UHVV 0HQX 6HOHFW ,QWHUQHW 6HOHFW 6HWWLQJV 6HOHFW $FFHVV SDUDPHWHUV DQG LI DFWLYH HQWHU WKH GLJLW ORFN FRGH GHIDXOW FRGH DQG SUHVV 2. 6HOHFW 333 $FFHVV DQG VHOHFW 3KRQH QXPEHU (QWHU WKH QXPEHU DQG SUHVV 2.
$FWLRQ &OHDU FDFKH 'XULQJ DQ OLYH LQWHUQHW VHVVLRQ VRPH RI WKH LQIRUPDWLRQ DQG VHUYLFHV \RX KDYH DFFHVVHG KDYH EHHQ VWRUHG LQ DQ DUHD RI PHPRU\ FDOOHG WKH FDFKH 7R FOHDU WKLV PHPRU\ SUHVV DQG VHOHFW WKH
8VH RI ZKLOVW RQOLQH 3UHVVLQJ GXULQJ D OLYH FRQQHFWLRQ ZLOO SUHVHQW DQ RSWLRQV PHQX DV IROORZV ,WHP $FWLRQ %DFN =RRP 5HWXUQV WR WKH SUHYLRXV SDJH RU FDUG ,QFUHDVHV RU GHFUHDVHV WKH GLVSOD\HG WH[W VL]H 'LVFRQQHFW 'LVFRQQHFWV WKH EURZVHU IURP WKH QHWZRUN EXW OHDYHV WKH FXUUHQW SDJH ORFDOO\ DFWLYH ZLWK WKH SKRQH EURZVHU &OHDU FDFKH $GG ERRNPDUN *R WR ERRNPDUNV +RPH SDJH 5HORDG &ORVH VHVVLRQ &OHDUV WKH FDFKH PHPRU\ $GGV D FXUUHQW FDUG RU SDJH WR WKH OLVW RI ERRNPDUNV *RHV WR D SUHYLRXVO
3UHVV 2. WR YDOLGDWH HDFK HQWU\ 3UHVV ([LW RU WR UHWXUQ WR WKH VWDQGE\ GLVSOD\
$SSHQGL[ $FFHVVRULHV OLVW 7KH IROORZLQJ DUH WKH PDLQ DFFHVVRULHV DYDLODEOH IRU WKH SKRQH 9HKLFOH NLWV 3DUW QXPEHUV &/$ FDU DGDSWRU )=$ $ +HDGVHW )=$ $ 6LPSOH KROGHU )=$ $ 6LPSOH KDQGVIUHH DGDSWRU )=$ $ )XOO KDQGVIUHH DGDSWRU )=$ $ &KDUJHUV DQG EDWWHULHV 3DUW QXPEHUV $& DGDSWRU 8.
&LJDUHWWH /LJKWHU $GDSWRU &/, &DOOHU /LQH ,GHQWLW\ GLVSOD\V FDOOHUV WHOHSKRQH QXPEHU &RQYHUVDWLRQ PRGH :KHQ WKH SKRQH LV PDNLQJ RU UHFHLYLQJ D FDOO &8* &ORVHG 8VHU *URXS UHTXLUHV QHWZRUN VXSSRUW 'LYHUWLQJ 'LYHUWV LQFRPLQJ FDOOV WR WKH SKRQH WR DQRWKHU QXPEHU '7& 'HVN 7RS &KDUJHU '70) 'XDO 7RQH 0XOWLIUHTXHQF\ 7RQHV )'1 )L[HG 'LDOOLQJ 1XPEHU *60 *OREDO 6\VWHP IRU 0RELOH FRPPXQLFDWLRQV +) +DQGVIUHH &DU .
7URXEOH VKRRWLQJ 3UREOHP 3RVVLEOH FDXVH DQG VROXWLRQ 3KRQH ZLOO QRW VZLWFK RQ &KHFN WKDW WKH EDWWHU\ LV IXOO\ FKDUJHG DQG FRUUHFWO\ FRQQHFWHG WR WKH SKRQH &KDUJLQJ /(' QRW OLW UHG DQG QR IODVKLQJ EDWWHU\ ,FRQ 7KHUH PD\ EH QR PDLQV VXSSO\ &KHFN PDLQV VXSSO\ 7KH $& '& FKDUJHU PD\ EH IDXOW\ 5HWXUQ WR \RXU GHDOHU DQG WU\ VXEVWLWXWLRQ ZLWK DQRWKHU 0LWVXELVKL DGDSWRU ,I IDXOW\ FRQWDFW \RXU GHDOHU 6KRUW VWDQGE\ DQG WDON &HOO EURDGFDVW LV SHUPDQHQWO\ RQ XVLQJ PRUH EDWWHU\ WLPHV SRZHU 3KRQH LV
(UURU PHVVDJHV 3UREOHP 3RVVLEOH FDXVH DQG VROXWLRQ $OORZHG FUHGLW UHDFKHG
&8* FDOO IDLOHG
3,1 EORFNHG $ ZURQJ 3,1 FRGH KDV EHHQ HQWHUHG WLPHV 3,1 EORFNHG $ ZURQJ 3,1 FRGH KDV EHHQ HQWHUHG WLPHV 38. EORFNHG $ ZURQJ 38.
,QGH[ $ $FFHVV SDUDPHWHUV $FFHVVRULHV $ODUP FORFN $OHUW PRGH $OHUW WRQH 7XUQLQJ RQ RII $Q\ NH\ DQVZHU $XWR DQVZHU $XWR UHWU\ $XWR 6ZLWFK 2Q 2II $XWRPDWLF VHDUFK % %DFNOLJKW
' 'HIDXOW VHWWLQJV 'HOHWLQJ SKRQHERRN QXPEHUV 'LDOOLQJ &DOOV /RJ PHPRU\ /DVW GLDOOHG QXPEHUV 3KRQHERRN 'LDOOLQJ IURP PHPRU\ 'LDU\ &DOHQGDU 'HOHWH ROG HYHQWV 1HZ HYHQW 9LHZ HYHQWV 'LDU\ HQWULHV 'HOHWLQJ
. .H\SDG .H\SDG ORFN .
5 5DPSLQJ 5HDGLQJ DQ 606 H PDLO PHVVDJH 5HDGLQJ DQ 606 PHVVDJH 5HFHLYLQJ D FDOO 5HPLQGHU FDOO WLPH 5HSODFLQJ WKH DQWHQQD 5HVKDSH 5HVSRQVLELOLW\ 5HWULHYLQJ D FDOO 5LQJ WRQH 6 6DIHW\ LQIRUPDWLRQ %DWWHU\
9 9HKLFOH VDIHW\ 9LEUDWH 9LEUDWH ULQJ 9LEUDWH DOHUW PRGH 9LEUDWH WKHQ ULQJ 9LEUDWRU 9RLFH 0DLO $OHUW 7RQH &DOO 1XPEHU 9RLFH PDLO 9ROXPH DOHUW PRGH
3DQ (XURSHDQ 6HUYLFH ,I \RX UHTXLUH VHUYLFH WKHQ LQ WKH ILUVW LQVWDQFH \RX VKRXOG FRQWDFW \RXU VXSSOLHU 6KRXOG \RX H[SHULHQFH DQ\ GLIILFXOW\ WKHQ SOHDVH FRQWDFW \RXU QHDUHVW 0,768%,6+, ORFDWLRQ OLVWHG EHORZ IRU LQIRUPDWLRQ RQ RWKHU VHUYLFH FHQWHUV 81,7(' .
3DQ HXURSHDQ *60 (QG XVHU *XDUDQWHH &RQGLWLRQV
