)RUP 1R 'LQJRÇ ' 'LQJRÇ &RPSDFW 8WLOLW\ /RDGHU 0RGHO 1R ³ DQG 8S 2SHUDWRU·V 0DQXDO 'RPHVWLF (QJOLVK (1
:DUQLQJ 6SHFLILFDWLRQV $WWDFKPHQWV 6WDELOLW\ 'DWD %HIRUH 2SHUDWLQJ $GGLQJ )XHO 'UDLQLQJ :DWHU IURP WKH )XHO )LOWHU &KHFNLQJ WKH 2LO /HYHO &KHFNLQJ WKH &RROLQJ 6\
6DIHW\ RU 6HUYLFH 5HSUHVHQWDWLYH SURYLGH H[DFW LQIRUPDWLRQ DERXW \RXU VSHFLILF SURGXFW
'R QRW H[FHHG WKH UDWHG RSHUDWLQJ FDSDFLW\ DV WKH WUDFWLRQ XQLW PD\ EHFRPH XQVWDEOH ZKLFK PD\ UHVXOW LQ ORVV RI FRQWURO 5DLVLQJ WKH ORDGHU DUPV RQ D VORSH ZLOO DIIHFW WKH VWDELOLW\ RI WKH PDFKLQH :KHQHYHU SRVVLEOH NHHS WKH ORDGHU DUPV LQ WKH ORZHUHG SRVLWLRQ ZKHQ RQ VORSHV 'R QRW FDUU\ D ORDG ZLWK WKH DUPV UDLVHG $OZD\V FDUU\ ORDGV FORVH WR WKH JURXQG 'R QRW VWHS RII RI WKH SODWIRUP ZLWK WKH ORDG UDLVHG 5HPRYLQJ DQ DWWDFKPHQW RQ D VORSH ZLOO PDNH WKH UHDU RI WKH WUDFWLRQ XQLW KHDY\ 5HIHU
%HIRUH DQG ZKLOH EDFNLQJ ORRN EHKLQG DQG GRZQ IRU VPDOO FKLOGUHQ %DWWHU\ JDVHV FDQ H[SORGH .HHS FLJDUHWWHV VSDUNV DQG IODPHV DZD\ IURP WKH EDWWHU\ 1HYHU FDUU\ FKLOGUHQ 7KH\ PD\ IDOO RII DQG EH VHULRXVO\ LQMXUHG RU LQWHUIHUH ZLWK VDIH WUDFWLRQ XQLW RSHUDWLRQ .
ORSH &KDUW
6DIHW\ DQG ,QVWUXFWLRQ 'HFDOV 6DIHW\ GHFDOV DQG LQVWUXFWLRQV DUH HDVLO\ YLVLEOH WR WKH RSHUDWRU DQG DUH ORFDWHG QHDU DQ\ DUHD RI SRWHQWLDO GDQJHU 5HSODFH DQ\ GHFDO WKDW LV GDPDJHG RU ORVW 8VH RQO\ GLHVHO IXHO &XWWLQJ KD]DUG³VWD\ DZD\ IURP WKH PRYLQJ IDQ
(QWDQJOHPHQW KD]DUG³VWD\ DZD\ IURP PRYLQJ SDUWV )DVW (QJLQH VSHHG WKURWWOH 6ORZ /LIW SRLQW 7LH GRZQ SRLQW )DVW 7UDFWLRQ GULYH 6ORZ $VVHPEO\ 1RWH 'HWHUPLQH WKH OHIW DQG ULJKW VLGH RI WKH PDFKLQH IURP WKH QRUPDO RSHUDWLQJ SRVLWLRQ /RRVH 3DUWV 1RWH 8VH WKH FKDUW EHORZ WR YHULI\ WKDW DOO SDUWV KDYH EHHQ VKLSSHG '(6&5,37,21 47< 86( 7UDFWLRQ 8QLW 9DOYH /HYHU .
'DQJHU %DWWHU\ HOHFWURO\WH FRQWDLQV VXOIXULF DFLG ZKLFK LV D GHDGO\ SRLVRQ DQG FDXVHV VHYHUH EXUQV 'R QRW GULQN HOHFWURO\WH DQG DYRLG FRQWDFW ZLWK VNLQ H\HV RU FORWKLQJ :HDU VDIHW\ JODVVHV WR VKLHOG \RXU H\HV DQG UREEHU JORYHV WR SURWHFW \RXU KDQGV )LOO WKH EDWWHU\ ZKHUH FOHDQ ZDWHU LV DOZD\V DYDLODEOH IRU IOXVKLQJ WKH VNLQ P )LJXUH 5HPRYH WKH ILOOHU FDSV IURP WKH EDWWHU\ 6SHHG VHOHFWRU OHYHU 6ORZO\ SRXU HOHFWURO\WH LQWR HDFK FHOO XQWLO WKH HOHFWURO\WH OHYHO LV XS WR WKH O
1RWH (QVXUH WKDW WKH EDWWHU\ FDEOHV GR QRW FRQWDFW DQ\ VKDUS HGJHV RU HDFK RWKHU ,QVWDOO WKH EDWWHU\ FRYHU )LJ 6SHFLILFDWLRQV 2YHUDOO ZLGWK LQ FP 2YHUDOO OHQJWK LQ FP 2YHUDOO KHLJKW LQ FP :HLJKW )LJXUH 3RVLWLYH SRVW &KDUJHU UHG ZLUH 1HJDWLYH SRVW &KDUJHU EODFN ZLUH OE NJ 5DWHG RSHUDWLQJ FDSDFLW\ ZLWK OE RSHUDWRU DQG VWG EXFNHW OE NJ 7LSSLQJ FDSDFLW\ ZLWK OE RSHUDWRU DQG V
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
$GGLQJ )XHO 'UDLQLQJ :DWHU IURP WKH )XHO )LOWHU 'DQJHU 'UDLQ ZDWHU RU RWKHU FRQWDPLQDQWV IURP WKH IXHO ILOWHU GDLO\ ,Q FHUWDLQ FRQGLWLRQV IXHO LV IODPPDEOH DQG H[SORVLYH $ ILUH RU H[SORVLRQ FDQ EXUQ \RX DQG RWKHUV DQG FDQ GDPDJH SURSHUW\ 6WRS WKH HQJLQH DQG UHPRYH WKH NH\ 2SHQ WKH UHDU DFFHVV FRYHU UHIHU WR 2SHQLQJ WKH 5HDU $FFHVV &RYHU SDJH )LOO WKH IXHO WDQN RXWGRRUV LQ DQ RSHQ DUHD ZKHQ WKH HQJLQH LV FROG :LSH XS DQ\ IXHO WKDW VSLOOV 'R QRW ILOO WKH IXHO WDQN FRPSOHWHO\ IXO
5HSODFH WKH ILOOHU FDS DQG GLSVWLFN P )LJXUH P )LOOHU &DS P 5HPRYLQJ 'HEULV IURP WKH 7UDFWLRQ 8QLW )LJXUH 2LO GLSVWLFN 9DOYH FRYHU )LOOHU FDS 0HWDO HQG ,PSRUWDQW 2SHUDWLQJ WKH HQJLQH ZLWK D EORFNHG UDGLDWRU PD\ UHVXOW LQ HQJLQH GDPDJH IURP RYHUKHDWLQJ &ORVH WKH UHDU DFFHVV FRYHU 3DUN WKH WUDFWLRQ XQLW RQ D OHYHO VXUIDFH UDLVH WKH ORDGHU DUPV DQG LQVWDOO WKH F\OLQGHU ORFNV UHIHU WR 8VLQJ WKH &\OLQGHU /RFNV SDJH &KHFNLQ
8VH RQO\ *URXS ,62 W\SH DQWL ZHDU K\GUDXOLF IOXLGV UHFRPPHQGHG IRU DPELHQW WHPSHUDWXUHV FRQVLVWHQWO\ EHORZ E) E& VXFK DV 7RUR +\ 3UR 0RELO )OXLG RU RWKHU HTXLYDOHQW IOXLG ,I WKH OHYHO LV ORZ DGG HQRXJK IOXLG WR UDLVH LW WR WKH SURSHU OHYHO ,QVWDOO WKH FDS RQ WKH ILOOHU QHFN ,QVWDOO WKH IURQW DFFHVV FRYHU ,PSRUWDQW 8VH RQO\ WKH JURXS ,62 W\SH DQWL ZHDU K\GUDXOLF IOXLGV 2WKHU IOXLGV FRXOG FDXVH V\VWHP GDPDJH 'R QRW XVH DXWRPRWLYH WUDQVPLVVLRQ IOXLG 7UDQVPLVVLR
P P )LJXUH 0RXQW SODWH )XHO WDQN (QJLQH +DQGOH 7LOW F\OLQGHU :KHHO $LU ILOWHU %DWWHU\ $X[LOLDU\ K\GUDXOLF FRXSOHUV /LIW F\OLQGHU &RQWURO SDQHO ,QGLFDWRU OLJKWV /RDGHU DUPV 2SHUDWRU SODWIRUP /LIW SRLQWV 7RZ YDOYHV )URQW DFFHVV FRYHU 5HDU DFFHVV FRYHU RSHQ &RQWUROV &DXWLRQ %HFRPH IDPLOLDU ZLWK DOO WKH FRQWUROV )LJ EHIRUH \RX VWDU
7KURWWOH /HYHU 0RYH WKH VSHHG VHOHFWRU OHYHU WR WKH VORZ WXUWOH SRVLWLRQ WR VHW WKH DX[LOLDU\ K\GUDXOLFV WR KLJK VSHHG DQG WKH WUDFWLRQ GULYH ORDGHU DUPV DQG DWWDFKPHQW WLOW WR ORZ VSHHG 0RYH WKH FRQWURO IRUZDUG WR LQFUHDVH WKH HQJLQH VSHHG DQG UHDUZDUG WR GHFUHDVH VSHHG :DUQLQJ 7UDFWLRQ &RQWURO /HYHUV 7R PRYH IRUZDUG PRYH WKH WUDFWLRQ FRQWURO OHYHUV IRUZDUG 7R PRYH UHDUZDUG PRYH WKH WUDFWLRQ FRQWURO OHYHUV UHDUZDUG ,I \RX PRYH WKH VSHHG VHOHFWRU OHYHU ZKLOH WKH WUDFWLRQ XQLW LV LQ PRWLRQ WK
P )LJXUH )ORZ GLYLGHU FRQWURO WR R·FORFN SRVLWLRQ .
6WDUWLQJ DQG 6WRSSLQJ WKH (QJLQH 'ULYLQJ )RUZDUG RU %DFNZDUG 7KH WKURWWOH FRQWURO UHJXODWHV WKH HQJLQH VSHHG 3ODFH WKH WKURWWOH OHYHU LQ WKH IDVW UDEELW SRVLWLRQ IRU EHVW SHUIRUPDQFH 6WDUWLQJ WKH (QJLQH 6WDQG RQ WKH SODWIRUP 0RYH WKH DX[LOLDU\ K\GUDXOLFV YDOYH OHYHU WR QHXWUDO 1RWH 7KURWWOH SRVLWLRQ FDQ EH XWLOL]HG WR RSHUDWH DW VORZHU VSHHGV 0RYH WKH WKURWWOH OHYHU PLGZD\ EHWZHHQ VORZ WXUWOH DQG IDVW UDEELW SRVLWLRQV 7R GULYH WKH WUDFWLRQ XQLW FRPSOHWH WKH IROORZLQJ DFWLRQV DV Q
6WRS WKH HQJLQH 6WRS WKH HQJLQH 5HPRYH WKH SOXJ FRYHULQJ HDFK WRZ YDOYH )LJ 3RVLWLRQ D ORDGHU DUP F\OLQGHU ORFN RYHU HDFK OLIW F\OLQGHU URG )LJ 6HFXUH HDFK ORDGHU DUP F\OLQGHU ORFN ZLWK D FOHYLV SLQ DQG FRWWHU SLQ )LJ P )LJXUH P 7RZ YDOYH &\OLQGHU ORFN &OHYLV SLQ /LIW F\OLQGHU /LIW F\OLQGHU URG +DLUSLQ FRWWHU :LWK WKH HQJLQH RII ORZHU WKH ORDGHU DUPV )LJXUH 3OXJ 5HPRYLQJ 6WRULQJ WKH &\OL
,QVWDOOLQJ DQG 5HPRYLQJ $WWDFKPHQWV &RQQHFWLQJ DQ $WWDFKPHQW ,PSRUWDQW 8VH RQO\ 7RUR DSSURYHG DWWDFKPHQWV $WWDFKPHQWV FDQ FKDQJH WKH VWDELOLW\ DQG WKH RSHUDWLQJ FKDUDFWHULVWLFV RI WKH WUDFWLRQ XQLW 7KH ZDUUDQW\ RI WKH WUDFWLRQ XQLW PD\ EH YRLGHG LI XVHG ZLWK XQDSSURYHG DWWDFKPHQWV ,PSRUWDQW %HIRUH LQVWDOOLQJ WKH DWWDFKPHQW HQVXUH WKDW WKH PRXQW SODWHV DUH IUHH RI DQ\ GLUW RU GHEULV DQG WKDW WKH SLQV URWDWH IUHHO\ ,I WKH SLQV GR QRW URWDWH IUHHO\ JUHDVH WKHP UHIHU WR *UHDVLQJ WKH 7UDFWLRQ 8QLW
3XVK WKH DX[LOLDU\ K\GUDXOLFV OHYHU IRUZDUG LQWR WKH GHWHQW SRVLWLRQ &RQILUP WKDW WKH FRQQHFWLRQ LV VHFXUH E\ SXOOLQJ RQ WKH KRVHV 5HPRYH WKH SURWHFWLYH FRYHUV IURP WKH K\GUDXOLF FRXSOHUV RQ WKH WUDFWLRQ XQLW 0RYH WKH DX[LOLDU\ K\GUDXOLFV OHYHU WR QHXWUDO (QVXUH WKDW DOO IRUHLJQ PDWWHU LV FOHDQHG IURP WKH K\GUDXOLF FRQQHFWRUV 5HPRYLQJ DQ $WWDFKPHQW /RZHU WKH DWWDFKPHQW WR WKH JURXQG 3XVK WKH DWWDFKPHQW PDOH FRQQHFWRU LQWR WKH IHPDOH FRQQHFWRU RQ WKH WUDFWLRQ XQLW 6WRS WK
5HFRPPHQGHG 0DLQWHQDQFH 6FKHGXOH 0DLQWHQDQFH 6HUYLFH ,QWHUYDO 0DLQWHQDQFH 3URFHGXUH KRXUV KRXUV &OHDQ SULPDU\ DLU ILOWHU &KHFN K\GUDXOLF RLO OHYHO ,QVSHFW K\GUDXOLF OLQHV IRU OHDNV KRXUV KRXUV &KDQJH HQJLQH RLO ILOWHU HYHU\ RWKHU RLO FKDQJH &KHFN HQJLQH VSHHG USP LGOH DQG IXOO WKURWWOH &KHFN WKH IDQ EHOW DQG DOWHUQDWRU EHOW WHQVLRQ KRXUV &KDQJH K\GUDXOLF ILOWHU ,QVSHFW IXHO OLQHV IRU OHDNV
2SHQLQJ WKH $FFHVV &RYHUV 5HPRYLQJ WKH )URQW $FFHVV &RYHU 5DLVH WKH ORDGHU DUPV DQG LQVWDOO WKH F\OLQGHU ORFNV UHIHU WR 8VLQJ WKH &\OLQGHU /RFNV SDJH 1RWH ,Q WKH FDVH WKDW \RX QHHG WR UHPRYH WKH IURQW DFFHVV FRYHU ZLWKRXW UDLVLQJ WKH ORDGHU DUPV EH YHU\ FDUHIXO QRW WR GDPDJH WKH FRYHU RU K\GUDXOLF KRVHV DV \RX PDQHXYHU WKH FRYHU RXW IURP XQGHU WKH DUPV 6WRS WKH HQJLQH DQG UHPRYH WKH NH\ 5HOHDVH WKH WZR ORFNLQJ WDEV )LJ P 3XOO WKH FRYHU RII RI WKH WUDFWLRQ XQLW )LJ
*HQWO\ VOLGH WKH SULPDU\ ILOWHU RXW RI WKH DLU FOHDQHU ERG\ )LJ $YRLG NQRFNLQJ WKH ILOWHU LQWR WKH VLGH RI WKH ERG\ 'R QRW UHPRYH WKH VDIHW\ ILOWHU XQOHVV \RX LQWHQG WR UHSODFH LW DV ZHOO ,QVSHFW WKH SULPDU\ ILOWHU IRU GDPDJH E\ ORRNLQJ LQWR WKH ILOWHU ZKLOH VKLQLQJ D EULJKW OLJKW RQ WKH RXWVLGH RI WKH ILOWHU +ROHV LQ WKH ILOWHU ZLOO DSSHDU DV EULJKW VSRWV ,I WKH ILOWHU LV GDPDJHG GLVFDUG LW RWKHUZLVH FOHDQ LW ,PSRUWDQW 1HYHU DWWHPSW WR FOHDQ WKH VDIHW\ ILOWHU ,I WKH VDIHW\ ILOWHU LV
&ORVH WKH UHDU DFFHVV FRYHU :KHQ WKH RLO KDV GUDLQHG FRPSOHWHO\ UHSODFH WKH SOXJ DQG WLJKWHQ WKH FODPS 6HUYLFLQJ WKH (QJLQH 2LO 1RWH 'LVSRVH RI WKH XVHG RLO DW D FHUWLILHG UHF\FOLQJ FHQWHU &KDQJH RLO DIWHU WKH ILUVW RSHUDWLQJ KRXUV DQG WKHQ HYHU\ RSHUDWLQJ KRXUV WKHUHDIWHU 1RWH &KDQJH RLO PRUH IUHTXHQWO\ ZKHQ RSHUDWLQJ FRQGLWLRQV DUH H[WUHPHO\ GXVW\ RU VDQG\ 2LO 7\SH 0,/ / & $3, VHUYLFH &' RU KLJKHU &UDQNFDVH &DSDFLW\ Z ILOWHU JDO O 9LVFRVLW\ 6HH WDEOH EHO
)LJXUH 2LO ILOWHU *DVNHW )LOOHU FDSV /RZHU SDUW RI WXEH 3ODWHV P )LJXUH ,I WKH HOHFWURO\WH LV ORZ DGG WKH UHTXLUHG DPRXQW RI GLVWLOOHG ZDWHU UHIHU WR $GGLQJ :DWHU WR WKH %DWWHU\ EHORZ $GDSWHU ,QVWDOO WKH UHSODFHPHQW RLO ILOWHU WR WKH ILOWHU DGDSWHU 7XUQ WKH RLO ILOWHU FORFNZLVH XQWLO WKH UXEEHU JDVNHW FRQWDFWV WKH ILOWHU DGDSWHU WKHQ WLJKWHQ WKH ILOWHU DQ DGGLWLRQDO WXUQ )LJ $GGLQJ :DWHU WR WKH %DWWHU\ )LOO WKH FU
5HSODFH WKH EDWWHU\ FRYHU 6HUYLFLQJ WKH +\GUDXOLF 6\VWHP 5HSODFLQJ WKH +\GUDXOLF )LOWHU &KDQJH WKH K\GUDXOLF ILOWHU $IWHU WKH ILUVW RSHUDWLQJ KRXUV )LJXUH $IWHU HYHU\ RSHUDWLQJ KRXUV 3RVLWLRQ WUDFWLRQ XQLW RQ D OHYHO VXUIDFH 5DLVH WKH ORDGHU DUPV DQG LQVWDOO WKH F\OLQGHU ORFNV UHIHU WR 8VLQJ WKH &\OLQGHU /RFNV SDJH +\GUDXOLF ILOWHU *DVNHW $GDSWHU ,QVWDOO WKH IURQW DFFHVV FRYHU 5HPRYH DQG VWRUH WKH F\OLQGHU ORFNV UHIHU WR 8VLQJ WKH &\OL
&KHFNLQJ +\GUDXOLF /LQHV &OHDQ WKH PRXQWLQJ VXUIDFH $IWHU HYHU\ RSHUDWLQJ KRXUV FKHFN WKH K\GUDXOLF OLQHV DQG KRVHV IRU OHDNV ORRVH ILWWLQJV NLQNHG OLQHV ORRVH PRXQWLQJ VXSSRUWV ZHDU ZHDWKHU DQG FKHPLFDO GHWHULRUDWLRQ 5HSODFH DOO PRYLQJ K\GUDXOLF KRVHV HYHU\ KRXUV RU \HDUV ZKLFK HYHU FRPHV ILUVW 0DNH QHFHVVDU\ UHSDLUV EHIRUH RSHUDWLQJ /XEULFDWH WKH JDVNHW RQ WKH QHZ ILOWHU ZLWK FOHDQ HQJLQH RLO 6FUHZ RQ WKH QHZ ILOWHU E\ KDQG XQWLO WKH JDVNHW FRQWDFWV WKH KRXVLQJ 7KHQ WLJKWH
,QVWDOO WKH IXHO OLQH RQWR WKH IXHO ILOWHU &ORVH WKH UHDU DFFHVV FRYHU 6OLGH WKH KRVH FODPS FORVH WR WKH IXHO ILOWHU WR VHFXUH WKH IXHO OLQH 'UDLQLQJ WKH )XHO 7DQN &ORVH WKH UHDU DFFHVV FRYHU 'DQJHU 2SHQ WKH IXHO YDOYH RQ WKH ERWWRP RI WKH IXHO WDQN ,Q FHUWDLQ FRQGLWLRQV IXHO LV H[WUHPHO\ IODPPDEOH DQG KLJKO\ H[SORVLYH $ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG RWKHUV DQG FDQ GDPDJH SURSHUW\ &OHDQLQJ DQG 6WRUDJH 'UDLQ IXHO IURP WKH IXHO WDQN ZKHQ WKH HQJLQH LV FROG
7URXEOHVKRRWLQJ 352%/(0 7KH VWDUWHU GRHV QRW FUDQN 7KH HQJLQH FUDQNV EXW ZLOO QRW VWDUW 3266,%/( &$86(6 &255(&7,9( $&7,21 7KH HOHFWULFDO FRQQHFWLRQV DUH FRUURGHG RU ORRVH &KHFN WKH HOHFWULFDO FRQQHFWLRQV IRU JRRG FRQWDFW $ IXVH LV EORZQ RU ORRVH &RUUHFW RU UHSODFH WKH IXVH 7KH UHOD\ RU VZLWFK LV GDPDJHG &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH EDWWHU\ LV GLVFKDUJHG &KDUJH WKH EDWWHU\ RU UHSODFH LW $ GDPDJHG VWDUWHU RU VWDUWHU VROHQRLG &RQWDFW \RXU $XW
352%/(0 7KH HQJLQH FUDQNV EXW ZLOO QRW VWDUW FRQWLQXHG 7KH HQJLQH VWDUWV EXW GRHV QRW NHHS UXQQLQJ 3266,%/( &$86(6 &255(&7,9( $&7,21 6ORZ FUDQNLQJ VSHHG &KHFN WKH EDWWHU\ RLO YLVFRVLW\ DQG VWDUWLQJ PRWRU FRQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH DLU FOHDQHU HOHPHQW LV GLUW\ &OHDQ RU UHSODFH /RZ FRPSUHVVLRQ &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH LQMHFWLRQ QR]]OHV DUH GDPDJHG &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH IXHO ILOWHU LV FORJJHG 5
352%/(0 7KH HQJLQH UXQV EXW NQRFNV RU PLVVHV 7KH HQJLQH ZLOO QRW LGOH 3266,%/( &$86(6 &255(&7,9( $&7,21 'LUW ZDWHU VWDOH IXHO RU LQFRUUHFW IXHO LV LQ WKH IXHO V\VWHP 'UDLQ DQG IOXVK WKH IXHO V\VWHP DGG IUHVK IXHO (QJLQH RYHUKHDWLQJ 5HIHU WR (QJLQH 2YHUKHDWV 7KHUH LV DLU LQ WKH IXHO %OHHG QR]]OHV DQG FKHFN IRU DLU OHDNV DW WKH IXHO KRVH FRQQHFWLRQV DQG ILWWLQJV EHWZHHQ WKH IXHO WDQN DQG HQJLQH 7KH LQMHFWLRQ QR]]OHV DUH GDPDJHG &RQWDFW \RXU $XWKRUL]HG 6HUYLFH '
352%/(0 7KH HQJLQH J RYHUKHDWV 7KH HQJLQH ORVHV SRZHU 3266,%/( &$86(6 &255(&7,9( $&7,21 0RUH FRRODQW LV QHHGHG &KHFN DQG DGG FRRODQW 5HVWULFWHG DLU IORZ WR WKH UDGLDWRU ,QVSHFW DQG FOHDQ WKH UDGLDWRU VFUHHQ ZLWK HYHU\ XVH 7KH FUDQNFDVH RLO OHYHO LV LQFRUUHFW )LOO RU GUDLQ WR WKH IXOO PDUN ([FHVVLYH ORDGLQJ 5HGXFH ORDG XVH ORZHU JURXQG VSHHG 7KH WKHUPRVWDW LV GDPDJHG &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH IDQ EHOW LV ORRVH RU EURNHQ &RQWDFW
352%/(0 ([FHVVLYH EODFN VPRNH IURP H[KDXVW K W ([FHVVLYH ZKLWH VPRNH IURP H[KDXVW 7UDFWLRQ XQLW GRHV QRW GULYH 3266,%/( &$86(6 &255(&7,9( $&7,21 7KH DLU FOHDQHU HOHPHQW LV GLUW\ &OHDQ RU UHSODFH 7KH LQMHFWLRQ SXPS WLPLQJ LV LQFRUUHFW &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU ,QFRUUHFW IXHO LV LQ WKH IXHO V\VWHP 'UDLQ WKH IXHO V\VWHP DQG UHILOO ZLWK VSHFLILHG IXHO 7KH LQMHFWLRQ QR]]OHV DUH GDPDJHG &RQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH LQMHFWLRQ SXPS LV GDP
7KH 7RUR 'LQJRX 3URGXFW /LQH :DUUDQW\ $ 2QH
