You are on page 1of 286

Š

+3 'HVLJQ-HW&&0 /DUJH)RUPDW3ULQWHUV

8VHU«V*XLGH
3ULQWHGLQ(XURSH 4XLFN'UDZŒLVDWUDGHPDUNRI 6DIHW\6\PEROV &$87,21
$SSOH&RPSXWHU,QF
7KH&DXWLRQV\PEROFDOOV

DWWHQWLRQWRDQRSHUDWLQJ
81,;ŠLVDUHJLVWHUHGWUDGHPDUN
SURFHGXUHSUDFWLFHRUWKHOLNH
$OOULJKWVDUHUHVHUYHG1RSDUWRI LQWKH8QLWHG6WDWHVDQGRWKHU
ZKLFKLIQRWFRUUHFWO\SHUIRUPHG
WKLVGRFXPHQWPD\EH
FRXQWULHV,LFHQVHGH[FOXVLYHO\
7KHSURGXFWLVPDUNHGZLWKWKLV RUDGKHUHGWRFRXOGUHVXOWLQ
SKRWRFRSLHGUHSURGXFHGRU
WKURXJK;2SHQ&RPSDQ\ GDPDJHWRRUGHVWUXFWLRQRISDUW
WUDQVODWHGWRDQRWKHUODQJXDJH V\PEROZKHQLWLVQHFHVVDU\IRU
/LPLWHG RUDOORIWKHSURGXFW'RQRW
ZLWKRXWWKHSULRUZULWWHQFRQVHQW \RXWRUHIHUWKHLQVWUXFWLRQ
SURFHHGEH\RQGD&DXWLRQ
RI+HZOHWW3DFNDUG&RPSDQ\
³:LQJ'LQJV
70LQ7UXH7\SHŠ PDQXDOLQRUGHUWRSURWHFWDJDLQVW

GDPDJHWRWKHSURGXFW V\PEROXQWLOWKHLQGLFDWHG
$GREHŒLVDWUDGHPDUNRI$GREH IRUPDWLVDSURGXFWRI0LFURVRIW
FRQGLWLRQVDUHIXOO\XQGHUVWRRG
6\VWHPV,QFRUSRUDWHGZKLFKPD\ &RUSRUDWLRQ:LQJ'LQJVLVD
DQGPHW
EHUHJLVWHUHGLQFHUWDLQ WUDGHPDUNRI0LFURVRIW

MXULVGLFWLRQV &RUSRUDWLRQDQG7UXH7\SHŠLVD

UHJLVWHUHGWUDGHPDUNRI$SSOH
$GREH3DJH0DNHUŒDQG$GREH +D]DUGRXVYROWDJHV\PERO
&RPSXWHU,QF´
3KRWRVKRSŒDUHWUDGHPDUNVRI

$GREH6\VWHPV,QFRUSRUDWHG :$51,1*
1RWLFH
ZKLFKPD\EHUHJLVWHUHGLQ
7KH:DUQLQJV\PEROFDOOV
FHUWDLQMXULVGLFWLRQV
7KHLQIRUPDWLRQFRQWDLQHGLQWKLV DWWHQWLRQWRDSURFHGXUHSUDFWLFH

,(((FRPSDWLEOH+3*/ GRFXPHQWLVVXEMHFWWRFKDQJH RUWKHOLNHZKLFKLIQRWFRUUHFWO\

DQG ZLWKRXWQRWLFHDQGVKRXOGQRWEH SHUIRUPHGRUDGKHUHGWRFRXOG

+3*/DUHWUDGHPDUNVRI FRQVWUXHGDVDFRPPLWPHQWE\ UHVXOWLQSHUVRQDOLQMXU\'RQRW

+HZOHWW3DFNDUG&RPSDQ\ +HZOHWW3DFNDUG&RPSDQ\ SURFHHGEH\RQGD:DUQLQJ

V\PEROXQWLOWKHLQGLFDWHG
0DFLQWRVKLVDSURGXFWRI$SSOH +HZOHWW3DFNDUGDVVXPHVQR
FRQGLWLRQVDUHIXOO\XQGHUVWRRG
&RPSXWHU,QF UHVSRQVLELOLW\IRUDQ\HUURUV
DQGPHW
WKDWPD\DSSHDULQWKLV
0LFURVRIWŠDQG06'26ŠDUH
GRFXPHQWQRUGRHVLWPDNH
UHJLVWHUHGWUDGHPDUNVRI
H[SUHVVHGRULPSOLHGZDUUDQW\
0LFURVRIW&RUSRUDWLRQ
RIDQ\NLQGZLWKUHJDUGWRWKLV
0LFURVRIW:LQGRZVLVD PDWHULDOLQFOXGLQJEXWQRW
UHJLVWHUHGWUDGHPDUNRI0LFURVRIW OLPLWHGWRWKHLPSOLHG
&RUSRUDWLRQ ZDUUDQWLHVRIPHUFKDQWDELOLW\

DQGILWQHVVIRUDSDUWLFXODU
3$1721(ŠDQG3$1721(
SXUSRVH
0$7&+,1*6<67(0ŠDUH

OLFHQVHGWUDGHPDUNVRI3DQWRQH 7KH+HZOHWW3DFNDUG&RPSDQ\
 VKDOOQRWEHOLDEOHIRULQFLGHQWDO
,QF3$1721(Š &RORUV

JHQHUDWHGE\WKH+3'HVLJQ-HW RUFRQVHTXHQWLDOGDPDJHVLQ

&&0SULQWHUVDUHIRXU FRQQHFWLRQZLWKRUDULVLQJRXWRI

FRORUSURFHVVVLPXODWLRQVDQG WKHIXUQLVKLQJSHUIRUPDQFHRU

PD\QRWPDWFK3$1721( XVHRIWKLVGRFXPHQWDQGWKH

LGHQWLILHGVROLGFRORUVWDQGDUGV SURJUDPPDWHULDOZKLFKLW

8VHFXUUHQW3$1721(&RORU GHVFULEHV

5HIHUHQFH0DQXDOVIRUDFFXUDWH

FRORU3$1721(&RORU

VLPXODWLRQVDUHRQO\REWDLQDEOH

RQWKLVSURGXFWZKHQGULYHQE\

TXDOLILHG3DQWRQHOLFHQVHG

VRIWZDUHSDFNDJHV&RQWDFW

3DQWRQH,QFIRUDFXUUHQWOLVWRI

TXDOLILHGOLFHQVHHV

3RVW6FULSWŠLVDUHJLVWHUHG

WUDGHPDUNRI$GREH6\VWHPV

,QFRUSRUDWHG

3DQWRQH,QF¶VFKHFN±

VWDQGDUGWUDGHPDUNIRU

FRORU‹3DQWRQH,QF
&(QJOLVK 

8VHU¶V*XLGH

+3'HVLJQ-HW&3ULQWHU
+3'HVLJQ-HW&03ULQWHU
)LQGLQJ,QIRUPDWLRQ

)LQGLQJ,QIRUPDWLRQ
7KLV8VHU¶V*XLGHFRQWDLQV
n $FRPSUHKHQVLYHH[SODQDWLRQRIDOOWKHSULQWHU¶VIHDWXUHVDQGKRZWRRSHUDWHLW
HIILFLHQWO\
n 6SHFLILFLQIRUPDWLRQGLUHFWO\DVVRFLDWHGZLWKWKH+31R6XSSOLHV

7KH$VVHPEO\,QVWUXFWLRQVFRQWDLQ
6WHSE\VWHSLQVWUXFWLRQVIRUXQSDFNLQJWKHSULQWHUDQGDVVHPEOLQJWKHVWDQG,WDOVR
FRQWDLQVGLVDVVHPEO\LQVWUXFWLRQVDQGUHSDFNLQJLQVWUXFWLRQV

7KH6HWXS*XLGHFRQWDLQV
n 'HWDLOHGLQIRUPDWLRQRQVHWWLQJXS\RXUSULQWHUIRUWKHILUVWWLPHLQFOXGLQJ
± SULPLQJDQGLQLWLDOLQVWDOODWLRQRIWKH+31RVXSSOLHV
± ORDGLQJSDSHU UROODQGVKHHW
± FRQQHFWLQJ\RXUSULQWHUWRDFRPSXWHURUQHWZRUN
± VHWWLQJXSDQGFRQILJXULQJ\RXUSULQWHUVRIWZDUH
± LQVWDOOLQJDGGLWLRQDOPHPRU\H[SDQVLRQPRGXOHV

7KH4XLFN5HIHUHQFH*XLGHFRQWDLQV
n ,QIRUPDWLRQWKDW\RXDUHPRVWOLNHO\WRQHHGIRUSULQWHURSHUDWLRQRQD
GD\±E\±GD\EDVLVVXFKDVORDGLQJSDSHURUUHSODFLQJLQNVXSSOLHV

9LGHR

:KHQWKLVV\PEROLVGLVSOD\HGLWLQGLFDWHVWKDWWKHUHLVYLGHRDYDLODEOHZKLFKJLYHV
\RXPRUHLQIRUPDWLRQRQWKHVXEMHFW7KHRQOLQHYHUVLRQRIWKLVPDQXDOZLOOHQDEOH
\RXWRFOLFNRQWKHILOPLFRQWRJRWRWKHYLGHRVFUHHQ

:HE3DJH

$OVR\RXFDQYLVLWXVRQRXUZHESDJHZZZKSFRPJRGHVLJQMHW

&0 7KURXJKRXWWKLV8VHU¶V*XLGHDQ\LQIRUPDWLRQWKDWLVRQO\UHOHYDQWWRDSDUWLFXODU
PRGHORISULQWHULVVKRZQLQDJUD\ER[OLNHWKLV7KHQDPHRIWKHUHOHYDQWSULQWHU
ZLOOEHLQWKHVLGHKHDGLQJ

LL
:KHUHWRILQGWKHPRVWFRPPRQO\QHHGHGLQIRUPDWLRQ


:KHUHWRILQGWKHPRVWFRPPRQO\QHHGHGLQIRUPDWLRQ
7RILQGKRZWR« *RWR«
&RQQHFWWKHSULQWHUDQGSHUIRUPWKHILUVW 6HWXS*XLGH
WLPHSULPLQJRIWKHLQNV\VWHP
$VVHPEOHWKHSULQWHU $VVHPEO\,QVWUXFWLRQV
8VHWKHIURQWSDQHO &KDSWHU
/RDGUROOSDSHU &KDSWHU
/RDGVKHHWSDSHU &KDSWHU
8VHWKH+31RVXSSOLHV &KDSWHU
,QVWDOOLQNFDUWULGJHV &KDSWHU
,QVWDOOSULQWKHDGV &KDSWHU
,QVWDOOSULQWKHDGFOHDQHUV &KDSWHU
&RQWUROWKHSDJHIRUPDW &KDSWHU
&RQWUROWKHDSSHDUDQFHRIWKHSULQW &KDSWHU
0DQDJHWKHSULQW &KDSWHU
0DQDJHTXHXHLQJDQGQHVWLQJ &KDSWHU
5HFRQILJXUHWKHSULQWHU &KDSWHU
&RQWUROWKHLPDJHTXDOLW\ &KDSWHU
0DLQWDLQWKHSULQWHU &KDSWHU
7URXEOHVKRRWWKHSULQWHU &KDSWHU
7URXEOHVKRRWSULQWTXDOLW\ &KDSWHU
,QWHUSUHWWKHIURQWSDQHOPHVVDJHV &KDSWHU
2UGHUDFFHVVRULHV &KDSWHU
*HQHUDOVSHFLILFDWLRQV &KDSWHU

LLL
7DEOHRI&RQWHQWV

7DEOHRI&RQWHQWV
:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU
<RXU3ULQWHU¶V0DLQ)HDWXUHV
3DSHU
8VHU,QWHUIDFH
&RQQHFWLRQV
0HPRU\
8SJUDGLQJ
6RIWZDUH$SSOLFDWLRQVDQG'ULYHUV
)URQW9LHZRI3ULQWHU
5HDU9LHZRISULQWHU
6WDUWLQJ8S<RXU3ULQWHU
6ZLWFKLQJ2Q
6ZLWFKLQJ2II
3RZHU,VRODWLRQ6ZLWFK

8VLQJWKH)URQW3DQHO
7KH)URQW3DQHO
3ULQWLQJWKH&XUUHQW&RQILJXUDWLRQ
(QWHULQJWKH3ULQWHU6HWXS0HQX6\VWHP
3ULQWLQJWKH)URQW3DQHO0HQX3ULQW
3ULQWLQJ,QWHUQDO3ULQWV
)URQW3DQHO0HQX6WUXFWXUH
1DYLJDWLQJWKH0HQX6\VWHP
1DYLJDWLRQ([DPSOHV
6HOHFWLQJWKH)XOO0HQX0RGH
&KDQJLQJWKH&RORU&DOLEUDWLRQ6HWWLQJLQWKH,PDJH4XDOLW\0HQX 3RVW6FULSW
RQO\ 
&KDQJLQJWKH3DJH6L]H
&KDQJLQJWKH'U\LQJ7LPH

LY
7DEOHRI&RQWHQWV

5HVWRULQJWKH'HIDXOW0HQX
0HQX*UDSKLFV8VHGLQ7KLV0DQXDO

:RUNLQJZLWK3DSHU
&KRRVLQJ3DSHU
6RPH,PSRUWDQW3RLQWVDERXW3DSHU7\SHV
3DSHU7\SHV
6XSSRUWHG3DSHU7\SHV
3K\VLFDO&KDUDFWHULVWLFVRI3DSHU7\SHV
&RPELQDWLRQVRI3DSHU7\SHDQG3ULQW4XDOLW\6HOHFWLRQ
+DQGOLQJ<RXU3DSHU
2EWDLQLQJ5ROO3DSHU,QIRUPDWLRQ
2EWDLQLQJ6KHHW3DSHU,QIRUPDWLRQ
,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU
/RDGLQJ5ROO3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW
8QORDGLQJD5ROOIURPWKH3ULQWHU
6KHHW3DSHU
/RDGLQJ6KHHW3DSHU
8QORDGLQJ6KHHW3DSHU
'U\LQJ7LPH

:RUNLQJZLWK+31R6XSSOLHV
:KDWDUH+31R6XSSOLHV"
,GHQWLI\LQJWKH&RPSRQHQWV
*HQHUDO,QIRUPDWLRQ$ERXW+31R6XSSOLHV
6RPH*HQHUDO3UHFDXWLRQV:KHQ+DQGOLQJ+31R6XSSOLHV
:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"
7KH)URQW3DQHO'LVSOD\V

Y
7DEOHRI&RQWHQWV
,QN&DUWULGJH6WDWXV0HVVDJHV
3ULQWKHDG6WDWXV0HVVDJHV
7KH,QN6\VWHP0HQX6WUXFWXUH
2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ
2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ
,QN&DUWULGJH5HPRYDO
,QN&DUWULGJH,QVWDOODWLRQ
3ULQWKHDG5HPRYDO
3ULQWKHDG,QVWDOODWLRQ
3ULQWKHDG&OHDQHU5HPRYDO
3ULQWKHDG&OHDQHU,QVWDOODWLRQ
$IWHU5HSODFLQJD3ULQWKHDGDQG3ULQWKHDG&OHDQHU

&RQWUROOLQJWKH3DJH)RUPDW
3DJH)RUPDW
'R<RX1HHGWR$GMXVWWKH3DJH6L]HLQWKH)URQW3DQHO"
$GMXVWLQJWKH3DJH6L]HLQWKH)URQW3DQHO
3DJH6L]HDQG&OLSSHG,PDJHV
3DJH6L]HDQG1HVWLQJ 5ROO3DSHU2QO\ 
3DJHDQG,PDJH6L]H$FFXUDF\
$GMXVWLQJ0DUJLQV
5RWDWLQJDQ,PDJH 3RVW6FULSW 
:KDWLV5RWDWHG"
3ULQWLQJD0LUURU,PDJH
&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH

&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
:D\VRI&RQWUROOLQJWKH3ULQW¶V$SSHDUDQFH
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV
7R6HOHFWD3DOHWWH
9LHZLQJ&XUUHQW&RQILJXUDWLRQ6HWWLQJV

YL
7DEOHRI&RQWHQWV

9LHZLQJWKH&RORUV$YDLODEOH)RUD3DOHWWH
7R&KDQJHWKH3DOHWWH6HWWLQJV
&KDQJLQJWKH7UHDWPHQWRI2YHUODSSLQJ/LQHV
0HUJH 
3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH
6ZLWFKLQJ%HWZHHQ&RORUDQG*UD\VFDOH
3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\
3ULQW4XDOLW\6HWWLQJV
&KDQJLQJWKH3ULQW4XDOLW\

0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV&XUUHQWO\EHLQJ3ULQWHGRU'U\LQJ
&DQFHOOLQJD3DJH
&DQFHOOLQJWKH'U\LQJ7LPH
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH 
:KDWLVWKH4XHXH"
6WDUWLQJWR3ULQWD)LOHWKDWLV:DLWLQJIRUD7LPHRXW
,GHQWLI\LQJD-RELQWKH4XHXH
9LHZLQJWKH6L]HRID3DJHLQWKH4XHXH
1RQ3RVWVFULSW 
3ULRULWL]LQJD-RELQWKH4XHXH
'HOHWLQJD-REIURPWKH4XHXH
0DNLQJ&RSLHVRID-RELQWKH4XHXH
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV
$XWRPDWLF5RWDWLRQ
:KLFK3DJHV&DQQRWEH5RWDWHG"
1HVWLQJDQGWKH5RWDWH)HDWXUH
:KHQ'RHVWKH3ULQWHU7U\WR1HVW3DJHV"
:KLFK3DJHV4XDOLI\IRU1HVWLQJ"
7XUQLQJ1HVWLQJ2QRU2IIDQG&KRRVLQJWKH1HVWLQJ0HWKRG
:KDW+DSSHQVWR1HVWLQJLI<RX7XUQ4XHXHLQJ2II"
+RZ/RQJGRHVWKH3ULQWHU:DLWIRU$QRWKHU)LOH"
1HVW6SDFLQJ 6HWWLQJWKHVSDFHLQEHWZHHQQHVWHGSDJHV 

YLL
7DEOHRI&RQWHQWV
5HFRQILJXULQJ<RXU3ULQWHU
+3*/&RQILJXUDWLRQ3ULQW
9LHZLQJWKH&XUUHQW&RQILJXUDWLRQRIWKH)URQW3DQHO6HWWLQJV
7R&KDQJHWKH)URQW3DQHO6HWWLQJV
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\
:KHQWR5HFDOLEUDWHWKH3ULQWHU
7R5HFDOLEUDWHWKH3ULQWHU
7R5HVWRUHWKH)DFWRU\
V&DOLEUDWLRQ
&KDQJLQJWKH*UDSKLFV/DQJXDJH
7R&KDQJHWKH*UDSKLFV/DQJXDJH6HWWLQJ
*UDSKLFV/DQJXDJHDQG1HWZRUNV
&KDQJLQJWKH,QWHUIDFH6HWWLQJV
7R&KDQJHWKH,27LPHRXW6HWWLQJ
8SJUDGLQJ<RXU3ULQWHU
,PSURYLQJ3ULQWHU7KURXJKSXW

&RQWUROOLQJ,PDJH4XDOLW\
6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\ 
,QN/LPLWLQJ
&DOLEUDWLQJWKH&RORU2XWSXW 3RVW6FULSWRQO\ 
+RZWR8VHWKH3ULQW4XDOLW\3ULQW
3ULQWLQJWKH3ULQW4XDOLW\3ULQW
1R]]OH3ULQW7HVW
+RZWRIL[WKH1R]]OH'HIHFWV
&RORU$OLJQPHQW3ULQW7HVW
6ROYLQJWKH3UREOHP
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH
6ROYLQJWKH3UREOHPV
$OLJQLQJWKH3ULQWKHDGV

YLLL
7DEOHRI&RQWHQWV

0DLQWDLQLQJ<RXU3ULQWHU
&OHDQLQJWKH3ULQWHU
&OHDQLQJWKH3ULQWHU([WHULRU
1RUPDO3ULQWHU8VH
6WRULQJDQG0RYLQJ<RXU3ULQWHU

7URXEOHVKRRWLQJ
$1RWH$ERXW7URXEOHVKRRWLQJ
:KHUHWR)LQG+HOSLQ6ROYLQJ3UREOHPV
)LQGLQJWKH6RXUFHRI<RXU3UREOHP
6ROYLQJ,PDJH4XDOLW\3UREOHPV
3UREOHPVZLWKWKH3ULQWHU&RQILJXUDWLRQ
3UREOHPVZLWK6WHSSHG/LQHV
+RZWRVROYHWKHSUREOHPV
3UREOHPVZLWKSULQWLQJOLQHV
+RZWRVROYHWKHSUREOHPV
3UREOHPVZLWK&RORUWR&RORU$OLJQPHQW
+RZWRVROYHWKHSUREOHPV
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ 
+RZWRVROYHWKHSUREOHP
1R3ULQWLQJ'HIHFWV)RXQGLQWKH3ULQW4XDOLW\3ULQW
6ROYLQJ&RORU$FFXUDF\SUREOHPV
&RORU&RQVLVWHQF\SUREOHPV
/RQJ7HUP&RORU%OHHGLQJ *ORVV\3DSHUV 
&RORU$FFXUDF\&RQILJXUDWLRQ
0HGLD
:KHUHWR)LQG$GGLWLRQDO,QIRUPDWLRQ
,I7KHUHDUH6OLJKWO\:DUSHG/LQHV
,I7KHUHDUH%OXUUHG/LQHV ,QN³%OHHGV´IURP/LQHV 
,IWKHUHDUHPDUNVRUVFUDWFKHVRQJORVV\SDSHUDIWHUSULQWLQJ
7KHUHDUH6PHDUVRU6FUDWFKLQJRQ<RXU3ULQWHG0HGLD

L[
7DEOHRI&RQWHQWV
6ROYLQJ0HGLD+DQGOLQJ3UREOHPV
7KH)URQW3DQHO.HHSV,QGLFDWLQJWKDW0HGLD,V0LVDOLJQHGRU,QFRUUHFWO\
3RVLWLRQHG
6ROYLQJ+31R6XSSOLHV3UREOHPV
3UREOHPVUHVHDWLQJWKHSULQWKHDG
<RX&DQQRW,QVHUWWKH,QN&DUWULGJH,QWRWKH3ULQWHU
<RX&DQQRW,QVHUWWKH3ULQWKHDG,QWRWKH3ULQWHU
<RX&DQQRW,QVHUWWKH3ULQWKHDG&OHDQHU,QWRWKH3ULQWHU
&DUULDJH,QWHUFRQQHFW:LSHU
&OHDULQJD0HGLD-DP
6ROYLQJ&RPPXQLFDWLRQ3UREOHPV
,IWKHUHLVD3UREOHP&RPPXQLFDWLQJEHWZHHQ<RXU&RPSXWHUDQGWKH3ULQWHU

6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW
,IWKH3ULQWLV&RPSOHWHO\%ODQN
,IWKH2XWSXW&RQWDLQV2QO\D3DUWLDO3ULQW
,IWKH,PDJHLV&OLSSHG
,ID/RQJ$[LV3ULQW,V&OLSSHG
,IWKH(QWLUH,PDJHLVLQ2QH4XDGUDQWRIWKH&RUUHFW3ULQWLQJ$UHD
,IWKH,PDJH,V8QH[SHFWHGO\5RWDWHG
,IWKH3ULQW,VD0LUURU,PDJHRI<RXU,PDJH
,IWKH3ULQWLV'LVWRUWHGRU8QLQWHOOLJLEOH
,I2QH,PDJH2YHUOD\V$QRWKHURQWKH6DPH6KHHW
,I3HQ6HWWLQJV6HHPWRKDYH1R(IIHFW
,IWKH3ULQWHU3URGXFHVD%ODFNDQG:KLWH3ULQW:KHQ<RX([SHFWHGD&RORU3ULQW

,IWKH3ULQWHUKDV3ULQWHGD'LIIHUHQW3ULQWIURPWKH2QH<RXZHUH([SHFWLQJ
,I3DJH)RUPDWRU5RWDWHGRHVQRW:RUN
6ROYLQJ)URQW3DQHO3UREOHPV
,ID'LVSOD\0HVVDJHLVQRW&OHDU
6\VWHP(UURUV
,IDQ³2XW2I0HPRU\'DWD:DV/RVW´0HVVDJH,V'LVSOD\HG
)LOH6L]HDQG0HPRU\8VDJH

[
7DEOHRI&RQWHQWV

6ROYLQJ0LVFHOODQHRXV3UREOHPV
,IWKH3ULQWHUGRHVQRW3ULQW
,IWKH3ULQWHU6HHPV7RR6ORZ
,IWKH3ULQWHU:DLWV7RR/RQJWR3ULQWD1HVW
*HWWLQJ+HOS
$ERXW+3&XVWRPHU&DUH
:KDWWR'R%HIRUH<RX&DOO

)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV
3ULQWDEOH$UHD
,QWHUIDFH6SHFLILFDWLRQV
5HJXODWRU\1RWLFHV
'HFODUDWLRQRI&RQIRUPLW\
2UGHULQJ$FFHVVRULHV
+3*/DQG+357/3URJUDPPLQJ,QIRUPDWLRQ
+RZWR2UGHU6XSSOLHVDQG$FFHVVRULHV
ZZZKSFRPJRGHVLJQMHW

*ORVVDU\*

,QGH[,

[L


:HOFRPH

$)LYH0LQXWH*XLGH7R<RXU3ULQWHU 
)URQW9LHZRI3ULQWHU 
5HDU9LHZRISULQWHU 


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

<RXU3ULQWHU¶V0DLQ)HDWXUHV
<RXUSULQWHULVDQ($VL]HFRORULQNMHWSULQWHUGHVLJQHGIRUSULQWLQJKLJKTXDOLW\
ODUJHIRUPDWHQJLQHHULQJOLQHGUDZLQJVPDSVDQGLPDJHV6RPHPDMRUIHDWXUHVRI
WKHSULQWHUDUH
n ,WFDQSULQWDQ$'VL]HFRORUOLQHGUDZLQJLQGUDIWPRGHZLWKERQGSDSHULQ
OHVVWKDQPLQXWH7KLVLVVL[WLPHVIDVWHUWKDQWKH+3'HVLJQ-HW&3OXV
n ([WUDZLGHSULQWKHDGVZLWKQR]]OHVZKLFKHQDEOHVZLGHUFRYHUDJHSHUSDVV
n /LQHDQGWH[WVKDUSQHVVLQ%HVWPRGH<RXUSULQWHUSULQWVLQWUXHGSLFRORURU
DGGUHVVDEOHGSLLQJUD\VFDOHOLQHV
n /DUJHFDSDFLW\LQNFDUWULGJHV XSWRPO FRPELQHGZLWKIW P UROOV
DOORZ\RXWRSULQWIRUPXFKORQJHUSHULRGVZLWKRXWUHSODFLQJLQNRUSDSHU
n 7KHQHZGXDOSDSHUIHHGV\VWHPWKDWPDNHVUROODQGFXWVKHHWORDGLQJVLPSOH
n $ZLGHFKRLFHRI+3SDSHUZKLFKLVGHVLJQHGWRSURYLGH\RXZLWKWKHEHVWOLQH
DQGLPDJHTXDOLW\\RXFDQJHW
n $QHDV\WRXVHIURQWSDQHOLQWHUIDFHJLYLQJ\RXDFFHVVWRDFRPSUHKHQVLYHVHWRI
SULQWHUIXQFWLRQV

&0 n %XLOWLQ$GREH3RVW6FULSW5DVWHU,PDJH3URFHVVRU
$XWRPDWLFFRORUFDOLEUDWLRQWRLPSURYHFRORUFRQVLVWHQF\EHWZHHQMREV
,QNHPXODWLRQDOORZLQJWKHSULQWHUWRSULQWMREVLQWHQGHGIRUGHYLFHVXVLQJ
VWDQGDUGSUHSUHVVFRORUJDPXWV
3RVW6FULSWTXHXHLQJDQGQHVWLQJWRUHGXFHSDSHUZDVWH
n 0%RIPHPRU\DQGD*%EXLOWLQKDUGGLVNIRUODUJHILOHSURFHVVLQJDQG
LPSURYHGSULQWLQJDQGQHVWLQJ


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

7KH+31R6XSSOLHV
7KH+31R6XSSOLHVDUHGHVLJQHGWRZRUNWRJHWKHUZLWK\RXU+3'HVLJQ-HW
&0RU&SULQWHU

7KHVXSSOLHVFRPSULVHRIWKUHHFRPSRQHQWVSULQWKHDGVZLWKWKHLUSULQWKHDG
FOHDQHUVDQGWKHLQNFDUWULGJHV7KHSULQWHUXVHVIRXUVHWVRIHDFKUHVSHFWLYHO\

(DFKGSLWKHUPDOLQNMHWSULQWKHDGDSSOLHVLQNGURSOHWVRQWRWKHSDSHU7KH
SULQWHUDXWRPDWLFDOO\UHILOOVWKHSULQWKHDGDVLWSULQWVHQDEOLQJFRQWLQXRXV
XQLQWHUUXSWHGSULQWLQJ7KHLQNLVVXSSOLHGWRHDFKSULQWKHDGIURPDVHSDUDWHODUJH
FDSDFLW\LQNFDUWULGJH

7KHSULQWHUXVHVSULQWKHDGFOHDQHUVWRFOHDQDQGPDLQWDLQWKHSULQWKHDGVWRHQVXUH
EHVWSRVVLEOHLPDJHTXDOLW\DQGWRVHDOWKHSULQWKHDGVZKHQWKH\DUHQRWLQXVHWR
HQVXUHORQJOLIH3ULQWKHDGOLIHLVDQWLFLSDWHGWREHPORUWZHOYHPRQWKVLQWKH
SULQWHUZKLFKHYHURFFXUVILUVWSURYLGHGWKDWWKHSULQWKHDGLVXVHGXQGHUQRUPDO
RSHUDWLQJFRQGLWLRQV XVLQJ+3LQNFDUWULGJHVRQO\ DQGLWV³LQVWDOOEHIRUHGDWH´KDV
QRWODSVHG+RZHYHUUHVXOWVYDU\GHSHQGLQJRQWKHSULQWTXDOLW\VHWWLQJ\RXXVH

7KHUHLVPRUHLQIRUPDWLRQDYDLODEOHLQDSDPSKOHWZKLFKFRPHVZLWKWKHSULQWKHDGV
DQGDOVRRQSDJH:RUNLQJZLWK+31R6XSSOLHV

3ULQW5HVROXWLRQ

<RXFDQFKRRVHEHWZHHQWKUHHOHYHOVRISULQWTXDOLW\%HVW1RUPDORU'UDIWIURP
\RXUVRIWZDUHRUIURPWKHSULQWHU
VIURQWSDQHO

3ULQWUHVROXWLRQIRU%HVWSULQWTXDOLW\LV[GRWVSHULQFKRU[GRWV
SHULQFKIRUPRQROLQHV

3ULQWUHVROXWLRQIRU1RUPDOSULQWTXDOLW\LV[GRWVSHULQFKRU[
GRWVSHULQFKGHSHQGLQJRQZKDWGULYHU\RXXVH7KHGULYHUVVXSSOLHGZLWK\RXU
SULQWHUZLOOGHIDXOWWR[GRWVSHULQFK

3ULQWUHVROXWLRQIRU'UDIWSULQWTXDOLW\LV[

8VH'UDIWWRJHWGUDIWFRSLHVRI\RXUSULQWVDWPD[LPXPWKURXJKSXW1RUPDOLV
RSWLPL]HGVRWKDW\RXJHWWKHEHVWOLQHTXDOLW\ZLWKWKHTXLFNHVWWKURXJKSXW6HOHFW
%HVWLI\RXZDQWWRJHWWKHEHVWTXDOLW\IRULPDJHVDQGUHQGHULQJV


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

3DSHU
<RXFDQSULQWRQUROOSDSHURUVKHHWSDSHUXSWR($VL]H7KHIROORZLQJSDSHU
W\SHVDUHVXSSRUWHGIRU+30RGXODU,QN6XSSOLHV
n 3ODLQSDSHU
n 7UDQVOXFHQWERQG
n %ULJKW:KLWH,QNMHWSDSHU
n 9HOOXP
n &RDWHGSDSHU
n +HDY\ZHLJKWFRDWHGSDSHU
n +LJKJORVVSKRWRSDSHU
n 0DWWHILOP
n &OHDUILOP
n 1DWXUDOWUDFLQJSDSHU
n 7KLQQDWXUDOWUDFLQJSDSHU

)RUGHWDLOHGLQIRUPDWLRQRQ+HZOHWW3DFNDUGSDSHUVHHSDJH6XSSRUWHG3DSHU
7\SHVRIWKLVPDQXDODQGWKH+33ULQWLQJ0DWHULDO*XLGHSURYLGHGZLWK\RXU
SULQWHU

8VHU,QWHUIDFH
7KHSULQWHU
VIURQWSDQHOLQFOXGHVDQHDV\WRXVHLQWHUIDFHZLWKDGLVSOD\JLYLQJ\RX
DFFHVVWRDFRPSUHKHQVLYHVHWRISULQWHUIXQFWLRQVDQGWRDQXPEHURIXVHIXOLQWHUQDO
SULQWV6HH&KDSWHU8VLQJWKH)URQW3DQHOIRUDVKRUWWXWRULDOWRWHDFK\RXKRZ
WRQDYLJDWHWKURXJKWKHPHQXVDQGDGHVFULSWLRQRILQWHUQDOSULQWV

&RQQHFWLRQV
<RXUSULQWHUFRPHVZLWKDQ+3-HW'LUHFW3ULQW6HUYHU)DVWHWKHUQHWEDVH7;
DQHWZRUNLQWHUIDFHFDUG IRU/$1FRQQHFWLRQVDVZHOODVDSDUDOOHOLQWHUIDFHIRUD
GLUHFWFRQQHFWLRQWR\RXUFRPSXWHU6HHWKH6HWXS*XLGHIRULQIRUPDWLRQRQ
FRQQHFWLQJ\RXUSULQWHUWRDFRPSXWHURUQHWZRUN

<RXUSULQWHUKDVD56LQWHUIDFHLWLVWKHUHRQO\IRUWHVWLQJDQGPDQXIDFWXULQJ
SXUSRVHV


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

0HPRU\

&0 7KH&0SULQWHUFRPHVZLWK0%RIPHPRU\<RXFDQH[SDQGWKLVPHPRU\
E\LQVWDOOLQJ0%0%RU0%PHPRU\',006XSWRDPD[LPXPRI
0%)RUSDUWQXPEHUVVHHSDJH0HPRU\0RGXOHV
,QDGGLWLRQWRWKLVPHPRU\WKHSULQWHUKDVDQLQWHUQDOKDUGGLVNGULYHXVHGDV
H[WHQGHGPHPRU\IRU3RVW6FULSWDQG+3*/UHQGHULQJDQGSULQWPDQDJHPHQW

& 7KH&SULQWHUFRPHVZLWK0%RIPHPRU\<RXFDQH[SDQGWKLVPHPRU\
E\LQVWDOOLQJDGGLWLRQDO0%0%RU0%PHPRU\H[SDQVLRQPRGXOHVXS
WRDPD[LPXPRI0%

,I\RXZDQWWRXSJUDGH\RXUSULQWHUZLWKDKDUGGLVNDNLWLVDYDLODEOH)RUSDUW
QXPEHUVVHHSDJH2UGHULQJ$FFHVVRULHV

8SJUDGLQJ

& ,I\RXUSULQWHULVD&DQG\RXZDQWWRXSJUDGH\RXUSULQWHUVRWKDWLWZLOO
SULQW3RVW6FULSWILOHVDQXSJUDGHNLWLVDYDLODEOHVHHSDJH2UGHULQJ
$FFHVVRULHV

6RIWZDUH$SSOLFDWLRQVDQG'ULYHUV
7RPDNHVXUHWKDW\RXUSULQWHUSULQWVH[DFWO\ZKDW\RXZHUHH[SHFWLQJLQWHUPVRI
VL]HSRVLWLRQRULHQWDWLRQFRORUDQGTXDOLW\XVHWKHFRUUHFWGULYHUIRUWKH
FRPELQDWLRQRI\RXUDSSOLFDWLRQVRIWZDUHDQG\RXUSULQWHUDQGPDNHVXUHWKDWLWLV
FRQILJXUHGFRUUHFWO\

0DQ\VRIWZDUHDSSOLFDWLRQVLQFOXGHWKHLURZQGULYHUV$VHWRI6RIWZDUH
$SSOLFDWLRQ1RWHVLVSURYLGHGZLWKWKLVSULQWHUIRUWKHPRVWSRSXODUDSSOLFDWLRQV,I
\RXILQG\RXUDSSOLFDWLRQLQWKHVHQRWHVXVHWKHLQIRUPDWLRQWKH\FRQWDLQDVDJXLGH
WRFRQILJXULQJLWIRUWKLVSULQWHU


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

&0 <RXUSULQWHUFRPHVVXSSOLHGZLWK
n +3'HVLJQ-HW3RVW6FULSWŠGULYHUVIRU0DFLQWRVKŠ 4XLFN'UDZŒ
n +3'HVLJQ-HW3RVW6FULSWŠGULYHUVIRU0LFURVRIWŠ:LQGRZVŒDSSOLFDWLRQV
n :LQGRZVGULYHUV
n $XWR&$'GULYHUVIRU'26DQG:LQGRZV
n +3'HVLJQ-HW7RROER[

& <RXUSULQWHUFRPHVVXSSOLHGZLWK
n :LQGRZVGULYHUV
n $XWR&$'GULYHUVIRU'26DQG:LQGRZV
n +3'HVLJQ-HW7RROER[

6RPHSULQWHUIXQFWLRQVEHKDYHGLIIHUHQWO\ZKHQWKHSULQWHUUHFHLYHVD3RVW6FULSWILOH
DVRSSRVHGWRILOHVIRUPDWWHGLQRWKHUSULQWHUODQJXDJHV +3*/RU57/ 
7KURXJKRXWWKLVPDQXDOUHIHUHQFHVWR³3RVW6FULSWILOHV´PHDQILOHVVHQWWRWKH
SULQWHUXVLQJWKH+3'HVLJQ-HW3RVW6FULSWGULYHUVXSSOLHGZLWKWKHSULQWHUDQG
LQVWDOOHGE\\RXRQ\RXU0DFLQWRVKRU3&

,I$XWR&$'GULYHUVDUHDYDLODEOHIRUWKHVSHFLILF$XWR&$'UHOHDVH\RXDUHXVLQJLW
LVVWURQJO\UHFRPPHQGHGWKDW\RXLQVWDOOWKHPWRSULQWIURP$XWR&$'


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

)URQW9LHZRI3ULQWHU

3ULQWKHDG
3ULQW HDG
& HDQHU

,QN&DUWULGJH

:LQGRZ

2Q2II

3XV EXWWRQ

)URQW3DQHO

'LVSOD

HP DESIG
NJET
1050 C 6HUYLFH 
6WDWLRQ
B
Y
M
C

&DUULDJH

$VVHPEO\

6ORWVIRU

,QN&DUWULGJHV

5HPRYDEOH

D H U W 5ROO3DSHU

QWU\5ROOHU

5ROO3DSHU 6KHHW3DSHU
(QWU\3ODWHQ

3DSHU%LQ 5ROO3DSHU
QWU\

$ HP

+DQGOH

&


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

5HDU9LHZRISULQWHU

+DUG'LVN
1

&0RQO\
3RZHU,VRODWRU6ZLWFK

6ORWVIRU8SJUDGHV
%HKLQG&RYHU 6RFNHWIRU
3RZHU&RUG
1HWZRUN,QWHUIDFH

&


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

6WDUWLQJ8S<RXU3ULQWHU
127(:KHQVWDUWLQJXSWKHSULQWHUIRUWKHILUVWWLPHLWLVLPSRUWDQWWRUHIHUWRWKH
6HWXSJXLGHZKLFKFDPHZLWK\RXUSULQWHUDVWKHUHDUHVSHFLDOSURFHGXUHVWKDW\RX
KDYHWRIROORZ

)RUVDIHW\NHHSREMHFWVVXFKDVKDLUMHZHOU\DQGFORWKLQJDZD\IURPWKHSULQWHU
PHFKDQLVPVDQGHOHFWURQLFV

0DNHVXUHWKDWWKHSRZHUFRUGVXSSOLHGZLWK\RXUSULQWHUPDWFKHV\RXU$& SRZHU
RXWOHWFRQQHFWLRQ8VHRQO\DWKUHHZLUH HDUWKJURXQGHG SRZHUFRUGZLWKWKLV
SULQWHU

6ZLWFKLQJ2Q
7KHSULQWHUKDVWZRSRZHUVZLWFKHV
D $SRZHULVRODWRUVZLWFKORFDWHGDWWKHEDFNRIWKHSULQWHU
E $Q2Q2IISXVKEXWWRQORFDWHGRQWKHIURQWSDQHORIWKHSULQWHU

7RVZLWFKWKHSULQWHURQ\RXPXVWXVHERWKRIWKHVHVZLWFKHV
 6ZLWFKWKHUHDUSRZHULVRODWRUVZLWFKWRWKH2Q , SRVLWLRQ
3RZHU,VRODWRU6ZLWFK
LQWKH21 , SRVLWLRQ
1

&


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU
127(7KH/('RQWKHIURQWSDQHOLOOXPLQDWHVUHGLQGLFDWLQJWKDWWKHSULQWHULVLQ
WKHSRZHUVDYLQJPRGHDQGUHDG\WREHWXUQHGRQ

 3XVKWKH2Q2IISXVKEXWWRQRQWKHIURQWSDQHOWKHIURQWSDQHOGLVSOD\ZLOOWKHQ
LQGLFDWHWKHVWDWXVRIWKHSULQWHU

6WDUWXSIURQWSDQHOPHVVDJH
*UHHQ/('VVKRZ6WDUWXSVHOIWHVW
5HG/('
JRHVRXW
) 25 0 )( ( '
&$ 1&( / $ 1'  &8 7

% $ &.

% ( 67

125 0 $ / &2/ 25

'5$)7 * 5 $< 6 &$ / (


6(/)7(67

3/($6(:$,7
ENTER
48 $ / ,7 < &2/ 25

2Q2II
SXVKEXWWRQ
SXVKHGWR
WXUQSULQWHU
2Q
&

6ZLWFKLQJ2II
 7RWXUQWKHSULQWHURIISUHVVWKH2Q2IISXVKEXWWRQWRWKHRIISRVLWLRQ7KH/('
ZLOOLOOXPLQDWHUHGDJDLQDQGWKHIURQWSDQHOZLOOJREODQNWKLVPD\WDNHDIHZ
VHFRQGVWRFRPSOHWH

1RIURQWSDQHOPHVVDJHV 5HG/('FRPHV2Q
2Q2II
SXVKEXWWRQ
&$ 1&( /
) 25 0 )( ( '

$ 1'  &8 7 SXVKHGWRWXUQ


%(67

125 0 $ / &2/ 25
% $ &.
SULQWHU2II
'5$)7 * 5 $< 6& $ / (
6(/)7(67

3/($6(:$,7
ENTER
48 $ / ,7 < &2/ 25

&


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU

3RZHU,VRODWLRQ6ZLWFK
7KHSRZHULVRODWRUVZLWFKVKRXOGRQO\EHVZLWFKHGRIIIRUSRZHULVRODWLRQ
UHTXLUHPHQWV
D 5HPRYLQJ,QVWDOOLQJPHPRU\H[SDQVLRQPRGXOHV
E 5HPRYLQJ,QVWDOOLQJ-HW'LUHFW3ULQW6HUYHUDQG+DUG'LVN
F &RQQHFWLQJWRDFRPSXWHU
G 7UDQVSRUWDWLRQ
3RZHU,VRODWRU6ZLWFK
LQ2))  SRVLWLRQ
1

&

&$87,21 7KHSRZHULVRODWRUVZLWFKVKRXOGRQO\EHVZLWFKHGWRWKH2II  SRVLWLRQZKLOH


WKH SULQWHU LV LQ WKH SRZHU VDYLQJ PRGH 2Q2II SXVKEXWWRQ LQ WKH 2II
SRVLWLRQ 


:HOFRPH
$)LYH0LQXWH*XLGH7R<RXU3ULQWHU




8VLQJWKH)URQW3DQHO

7KH)URQW3DQHO 
3ULQWLQJWKH&XUUHQW&RQILJXUDWLRQ 
(QWHULQJWKH3ULQWHU6HWXS0HQX6\VWHP 
3ULQWLQJWKH)URQW3DQHO0HQX3ULQW 
3ULQWLQJ,QWHUQDO3ULQWV 
)URQW3DQHO0HQX6WUXFWXUH 
1DYLJDWLQJWKH0HQX6\VWHP 
1DYLJDWLRQ([DPSOHV 


8VLQJWKH)URQW3DQHO
7KH)URQW3DQHO

7KH)URQW3DQHO
7KHIURQWSDQHORIWKHSULQWHULVPDGHXSRIWKHIROORZLQJIXQFWLRQDODUHDV
■ $PHVVDJHGLVSOD\VFUHHQ
■ 'LVSOD\NH\V
■ $FWLRQNH\VDQGDVVRFLDWHG6WDWXV/LJKWVRQWKHOHIW
■ 2QRIIEXWWRQDQGVWDWXVOLJKW

2Q2II
FORM FEED TOP 3RZHU
CANCEL AND CUT
/('
BACK UHGZKHQ
5HDG\
RII
6WDWXV
BEST ,QN
/LJKWV
NORMAL COLOR &<$1 PRINT CURRENT
JUHHQ DRAFT GRAYSCALE 0$*(17$ CONFIGURATION
<(//2:
(PRESS BOTH KEYS
%/$&.

ENTER
&

$FWLRQ.H\V 0HVVDJH'LVSOD\6FUHHQ 2Q2II


'LVSOD\.H\V
3XVKEXWWRQ

7KH'LVSOD\.H\V 7KHGLVSOD\VHFWLRQRIWKHIURQWSDQHOFRQVLVWVRIDGLVSOD\VFUHHQDQGILYHGLVSOD\
NH\V7RS%DFN↑↓DQG(QWHU
7RS
%DFN
0HVVDJH'LVSOD\6FUHHQ


(QWHU

<RXXVHWKHGLVSOD\NH\VWRQDYLJDWHWKURXJKWKHPHQXV\VWHPDQGWRVHOHFWPHQX
LFRQVDQGPHQXVVHHSDJH1DYLJDWLRQ([DPSOHV<RXDOVRXVHWKHGLVSOD\
NH\VWRUHVSRQGWRPHVVDJHVVHHFKDSWHU0HVVDJH'HVFULSWLRQVDQG$FWLRQV
IRUGHWDLOHGGHVFULSWLRQVIRUHUURUDQGVWDWXVPHVVDJHV


8VLQJWKH)URQW3DQHO
 7KH)URQW3DQHO
'LVSOD\6FUHHQ 7KHGLVSOD\FDQVKRZVHYHUDOOLQHVRIWH[WDQGPHQXLFRQV7KH\DUHXVHGIRU
GLVSOD\LQJ
■ ,QIRUPDWLRQRQWKHVWDWXVRIWKH+31R6XSSOLHV

,QIRUPDWLRQRQ ,QIRUPDWLRQRQ
3ULQWKHDGVWDWXV ,QN&DUWULGJHV

5HSODFH3ULQWKHDG 5HSODFHLQNFDUWULGJH

3ULQWKHDG ,QN

CYAN Replace CYAN


0$*(17$ 2. 0$*(17$ /RZ
<(//2: 2. <(//2:
%/$&. 2. %/$&. (PSW\

■ PHVVDJHVDQGPHQXV

5HDG\ *HQHUDO3ULQWHU6WDWXV0HVVDJHV

,QN

CYAN
0$*(17$
<(//2: 0HQX,FRQ
%/$&.

■ PHQXVXVHGWRFRQILJXUHWKHSULQWHU

3ULQWHU6HWXSPHQXV
0HQX7LWOH

,PDJHTXDOLW\ 0HQX
'HYLFHVHWXS

,2VHWXS

8WLOLWLHV

'HPRV

■ LQVWUXFWLRQIRUORDGLQJDQGDOLJQLQJUROOSDSHU

52///2$'

$OLJQUROOHGJH
ZLWKZKLWHOLQH
)HHGUROOXQWLO
SULQWHUEHHSV


8VLQJWKH)URQW3DQHO
7KH)URQW3DQHO
■ LQIRUPDWLRQRQWKH+31RVXSSOLHV

&\DQFDUWLQIR
+31RLQNFDUWULGJH
,QNOHYHO 
&DSDFLW\ PO
3DUWQXPEHU &$
0IJPRQWK 


8VLQJWKH)URQW3DQHO
 7KH)URQW3DQHO
$FWLRQ.H\V 7KHDFWLRQVHFWLRQRIWKHIURQWSDQHOFRQVLVWVRIIRXUDFWLRQNH\V&DQFHO)RUP
)HHGDQG&XW&RORUDQG3ULQW4XDOLW\7KH&RORUDQG3ULQW4XDOLW\VHFWLRQV
KDYHJUHHQVWDWXVOLJKWVQH[WWRWKHVHOHFWHGVHWWLQJ

7KHDFWLRQNH\VOHW\RX
■ FDQFHOWKHIROORZLQJSULQWHURSHUDWLRQVZKLOHWKH\DUHLQSURJUHVV &DQFHO 
± 3ULQWLQJ
± 3DSHUORDGLQJ
■ DGYDQFHDQGFXWSDSHU )RUP)HHGDQG&XW
■ VHOHFWFRORURUJUD\VFDOHSULQWLQJ &RORU
■ VHOHFWWKHSULQWLQJUHVROXWLRQ 3ULQW4XDOLW\'UDIW1RUPDODQG%HVW 6HH
FKDSWHU0DQDJLQJ<RXU3ULQWVIRULQIRUPDWLRQRQWKHXVHRIWKHVHNH\V
FORM FEED
CANCEL AND CUT

&DQFHO.H\ )RUP)HHGDQG&XW.H\
BEST
NORMAL COLOR
DRAFT GRAYSCALE

3ULQW4XDOLW\.H\ &RORU*UD\VFDOH.H\
PRINT QUALITY COLOR
&

6WDWXV/LJKWV 7KHVWDWXVOLJKWVSURYLGHVWDWXVLQIRUPDWLRQDERXWWKHFXUUHQWFRQILJXUDWLRQDQG
VWDWHRIWKHSULQWHU

BEST
6WDWXV
/LJKWV NORMAL COLOR
DRAFT GRAYSCALE

&
PRINT QUALITY COLOR

127( ,Q PRVW FDVHV VHWWLQJV LQ \RXU DSSOLFDWLRQ VRIWZDUH RU SULQWHU GULYHU ZLOO
RYHUULGHDQ\VHWWLQJV\RXPDNHRQWKHIURQWSDQHORIWKHSULQWHU


8VLQJWKH)URQW3DQHO
7KH)URQW3DQHO
3RZHU6HFWLRQ 7KHSRZHUVHFWLRQFRQWDLQVWKH2Q2II3XVK%XWWRQ7KLVLVWKHZD\\RXPXVW
DOZD\VSRZHURIIWKHSULQWHU,WWXUQVWKHSULQWHURIIPDNLQJVXUHWKDWWKHSULQWKHDGV
DUHUHWXUQHGWRWKHSDUWRIWKHSULQWHUZKLFKSUHYHQWVWKHSULQWKHDGVIURPGU\LQJRXW
7KHVWDWXVOLJKWDERYHLVUHGZKHQWKHSULQWHULVWXUQHGRIIFRUUHFWO\
TOP

2Q2II3XVK
BACK
%XWWRQ
PRINT CURRENT
CONFIGURATION
(PRESS BOTH KEYS

ENTER &


8VLQJWKH)URQW3DQHO
3ULQWLQJWKH&XUUHQW&RQILJXUDWLRQ


3ULQWLQJWKH&XUUHQW&RQILJXUDWLRQ
7RUHTXHVWD³&XUUHQW&RQILJXUDWLRQ3ULQW´IURPWKHIURQWSDQHO
 0DNHVXUHWKDWSDSHULVORDGHGHLWKHUUROOSDSHURUVKHHW,ILWLVVKHHWPHGLD
WKHQLWFDQEH$RU86OHWWHUVL]H
 3UHVVWKH7RSEXWWRQWRVHOHFWWKHPDLQPHQXRQWKHIURQWSDQHO
 0DNHVXUHWKDWWKHIURQWSDQHOGLVSOD\VWKH5HDG\PHVVDJH

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↑DQG↓NH\VRQWKHIURQWSDQHOVLPXOWDQHRXVO\WRSULQWWKH&XUUHQW
&RQILJXUDWLRQ3ULQW

TOP

BACK
TOP

BACK
PRINT CURRENT
PRINT CURRENT CONFIGURATION
CONFIGURATION
(PRESS BOTH KEYS (PRESS BOTH KEYS
ENTER
ENTER
&

 7KHIURQWSDQHOGLVSOD\VWKHPHVVDJH5HFHLYLQJZKLOHWKHILOHLVEHLQJ
SURFHVVHGDQGWKHQ3ULQWLQJDVWKHSULQWHUVWDUWVSULQWLQJ
127(3ULQWLQJLVDXWRPDWLFDQGWDNHVDERXWWZRPLQXWHV6DYHWKHSULQWIRU
IXWXUHUHIHUHQFH


8VLQJWKH)URQW3DQHO
(QWHULQJWKH3ULQWHU6HWXS0HQX6\VWHP

(QWHULQJWKH3ULQWHU6HWXS0HQX6\VWHP
 0DNHVXUHDVWDWXVVFUHHQLVGLVSOD\HGVLPLODUWRWKHH[DPSOHVVKRZQEHORZ

5HDG\ 5HDG\

,QN 3ULQWKHDG
CYAN CYAN O.K.
0$*(17$ 0$*(17$ 2.

<(//2: <(//2: 2.

%/$&. %/$&. 2.

 %\SUHVVLQJHLWKHUWKH↑RUWKH↓ NH\\RXZLOOEHDEOHWRVHOHFWDQ\RIWKHSULQWHU¶V
IRXUPHQXV7KHIRXULFRQVFRUUHVSRQGWRWKHIRXUSULQWHUPHQXV

6LQJOH6KHHW

0HQXV

5ROO3DSHU

0HQXV

,QN6\VWHP

0HQXV

3ULQWHU6HWXS

0HQXV


8VLQJWKH)URQW3DQHO
(QWHULQJWKH3ULQWHU6HWXS0HQX6\VWHP

127(7RVHHLQIRUPDWLRQRQWKHUROOSDSHUDQGVLQJOHVKHHWPHQXVVHHSDJHV
DQG7RVHHLQIRUPDWLRQRQWKHLQNV\VWHPPHQXVVHHSDJH7KH,QN6\VWHP
0HQX6WUXFWXUH

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOGLVSOD\VWKHSULQWHUVHWXSPHQXLFRQDV
VKRZQEHORZ

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH(QWHUNH\WRHQWHUWKHSULQWHUVHWXSPHQX7KHIURQWSDQHOZLOOQRZ
GLVSOD\WKHSULQWHUVHWXSPHQXV

3ULQWHUVHWXSPHQXV
4XHXHLQJ QHVWLQJ
3DJHIRUPDW
3HQVHWWLQJV
'HYLFHVHWXS
,2VHWXS 1RWH,IWKHVKRUWPHQXLVVHOHFWHG
WKH,2VHWXSPHQXZLOOQRWEHDYDLODEOH

7RILQGRXWKRZWRFKDQJHIURPWKHIXOOWRWKHVKRUWPHQXVHHSDJH6HOHFWLQJ
WKH)XOO0HQX0RGH

127( <RXPD\QRWEHDEOHWRDFFHVVWKHPHQXV\VWHPLPPHGLDWHO\LIWKHFXUUHQWWDVN
RYHUULGHVLW,IWKLVKDSSHQVZDLWXQWLOWKHWDVNLVFRPSOHWHGDQGWU\DJDLQ


8VLQJWKH)URQW3DQHO
3ULQWLQJWKH)URQW3DQHO0HQX3ULQW

3ULQWLQJWKH)URQW3DQHO0HQX3ULQW
<RXFDQVHHWKHFRPSOHWHPHQXVWUXFWXUHDYDLODEOHRQWKHSULQWHUE\SULQWLQJWKH
)URQW3DQHO0HQXVSULQWRUUHIHUWRSDJH)URQW3DQHO0HQX6WUXFWXUH8VHLW
WRKHOS\RXWRXQGHUVWDQGWKHPHQXVWUXFWXUHDQGLWVQDYLJDWLRQ

127( 7KH0HQXSULQWLVSULQWHGLQWKHVL]HVSHFLILHGLQWKH3DJH)RUPDW→6L]HVHWWLQJV
LQWKHIURQWSDQHO+RZHYHULIVKHHWSDSHULVORDGHGLWZLOODXWRPDWLFDOO\VKULQN
WRILW0DNHVXUHWKLVVHWWLQJVSHFLILHVWKHVL]H\RXZDQWEHIRUHSULQWLQJ

 0DNHVXUHWKDWSDSHULVORDGHG6HHSDJH/RDGLQJ5ROO3DSHUIRUORDGLQJ
LQIRUPDWLRQ
 3UHVVWKH7RSEXWWRQWRVHOHFWWKHPDLQPHQXRQWKHIURQWSDQHO
 0DNHVXUHWKHIURQWSDQHOGLVSOD\VWKH5HDG\PHVVDJH

5HDG\ 5HDG\PHVVDJH

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHU6HWXS,FRQ

 6HOHFWWKH3ULQWHU6HWXS0HQX,FRQRQWKHIURQWSDQHOE\XVLQJWKH↓RU↑ NH\V, WKHQ


SUHVVWKH(QWHUNH\
 7KHIURQWSDQHOZLOOQRZGLVSOD\WKHSULQWHUVHWXSPHQXV
3ULQWHUVHWXSPHQXV

4XHXHLQJ QHVWLQJ

3DJHIRUPDW

+3*/VHWWLQJV

,PDJH4XDOLW\

'HYLFHVHWXS

 3UHVV↓NH\XQWLO³'HPRV´LVVHOHFWHG
3ULQWHUVHWXSPHQXV

,PDJHTXDOLW\

'HYLFHVHWXS

,2VHWXS

8WLOLWLHV

'HPRV

 3UHVVWKH(QWHUNH\


8VLQJWKH)URQW3DQHO
3ULQWLQJWKH)URQW3DQHO0HQX3ULQW

 3UHVV↓RU↑NH\XQWLO³0HQX´LVGLVSOD\HG
'HPRV

3DOHWWH

0HQX

6DPSOHV

 3UHVVWKH(QWHUNH\
 7KHIURQWSDQHOZLOOQRZGLVSOD\WKHPHVVDJH³5HFHLYLQJ´ZKLOHWKHILOHLVEHLQJ
SURFHVVHGDQGWKHQWKHSULQWHUVWDUWVSULQWLQJWKH)URQW3DQHO0HQXVSULQW:KHQ
WKLVSULQWLVFRPSOHWHGWKHSULQWHUGURSVWKHSULQWLQWRPHGLDELQEHORZWKHSULQWHU
7RVHHWKHIURQWSDQHOPHQXSULQWVHHSDJH)URQW3DQHO0HQX6WUXFWXUH/RRN
DWWKH)URQW3DQHO0HQXSULQW,WVKRZVWKHIXOOPHQXVWUXFWXUH


8VLQJWKH)URQW3DQHO
3ULQWLQJ,QWHUQDO3ULQWV

3ULQWLQJ,QWHUQDO3ULQWV
7KHUHDUHVHYHUDOLQWHUQDOSULQWVDYDLODEOHLQWKHSULQWHU7KHSULQWVDUHOLVWHGEHORZ

+3*/&RQILJXUDWLRQ

7KH+3*/&RQILJXUDWLRQSULQWVKRZVWKHFXUUHQWVHWWLQJVIRUDOOWKHSULQWHU¶V
IHDWXUHV6HHSDJH+3*/&RQILJXUDWLRQ3ULQW

3ULQWHU8VDJH,QIRUPDWLRQSULQW

7KH3ULQWHU8VDJH,QIRUPDWLRQSULQWVKRZVWKHVWDWXVRIWKHSULQWHU¶VXVDJH
FRXQWHUV7KLVLQIRUPDWLRQLQFOXGHVWKHWRWDOQXPEHURISULQWVQXPEHURISULQWVE\
SDSHUVL]HQXPEHURISULQWVE\SDSHUW\SHQXPEHURISULQWVSHUSULQWPRGHDQG
WRWDODPRXQWRILQNXVHGSHUFRORU7KHFRXQWVLQWKLVUHSRUWDUHHVWLPDWHV

3ULQW4XDOLW\3ULQW

7KH3ULQW4XDOLW\3ULQWFDQEHXVHGWRKHOSGLDJQRVHZKHWKHUWKHSULQWHUKDVLPDJH
TXDOLW\SUREOHPVDQGLISUREOHPVH[LVWKHOSGHWHUPLQHWKHFDXVHRILPDJHTXDOLW\
SUREOHPVVHH+RZWR8VHWKH3ULQW4XDOLW\3ULQW

6HUYLFH&RQILJXUDWLRQ

7KH6HUYLFH&RQILJXUDWLRQSULQWSURYLGHVLQIRUPDWLRQQHHGHGIRUWKHVHUYLFH
HQJLQHHUVXFKDVWKHLQWHUQDOFXUUHQWFRQILJXUDWLRQRSHUDWLQJFRQGLWLRQV
WHPSHUDWXUHDQGKXPLGLW\ LQNOHYHOVDQGRWKHUVWDWLVWLFVDERXWSULQWHUXVDJH

)URQW3DQHO0HQXV3ULQW

7KH)URQW3DQHO0HQXSULQWVKRZVWKHSULQWHUVHWXSPHQXVWUXFWXUH7KLVLV
DYDLODEOHWRKHOS\RXLQORFDWLQJPHQXVLQWKHIURQWSDQHO6HHSDJH3ULQWLQJ
WKH)URQW3DQHO0HQX3ULQW

+3*/3DOHWWH

7KH+3*/3DOHWWHSULQWVKRZVWKHFRORURUJUD\VFDOHGHILQLWLRQVLQWKHFXUUHQWO\
VHOHFWHGFRORUSDOHWWH6HHSDJH&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW

6DPSOHV

7KHVHDUHSULQWVVKRZLQJWKHFDSDELOLWLHVRIWKHSULQWHU


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH


)URQW3DQHO0HQX6WUXFWXUH
.H\
 7KHLWHPVLQ\HOORZVKDGHGER[HVDOZD\VDSSHDURQWKH)URQW3DQHO
 7KHLWHPVLQWKHZKLWHER[HVDSSHDULQWKH)URQW3DQHORQO\ZKHQWKH8WLOLWLHV
!0HQXPRGHLVVHWWR)XOO)XOOLVWKHGHIDXOW
 7KHLWHPVPDUNHGZLWK # UHTXLUH3RVW6FULSWGULYHUV

 K
W
 J

Q
 H
 /


K
W
 G
L

:

Q
 L
V S H
R P

V F W J
L  D 
H
L
W 
V R
W S
S L
W  
R H
D H W
W Y H 
& 6 O 
R H
0' 


O
D
P
L
I W
 I
S
. 2 I
  I 2

Q 2 U
2 H
2
G
U
R
Q
,

W
Q
H
P
H
J
D
Q H
D X W
H V
H
0 X
J 1
4
Q
L
X
H
X
4

J
Q
L
W
V
H
1


J
Q
L
X
H
X
4


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH







 
$  (  
   ( F
U V +  , $ L
H F 
 $ W
 % % 6   O
L
Y W &     D
 D
2 V 5 6 
 1  2
 P X
 L $ ,  6
 W $  -  $ $ ,  R Q
D       W D
 W W + W W , W $ X
V V % V 6 V 
$ 6 & H  H H 0
 H 2 $
1
U
H % 5 % 6
, % % 6
$ - $ ,
Y
2

F
W #
H
 G
H H
U G
D Q 
H  H
Z  W J
W H I 
I  [ I  D
R ] + , H
L 6 2 ( 2 3
& , 6  
6

V
U - 6  Y  I 
 
, L O I R
 H 5 1  W D 2 Q W

D Y D W
H $ $  2 L
U P 
2  1 U Q  )
$   R
 2 
2 3 1 
G
H < 2
N 2 :
Q
, 7 6

H
O
D
J F
V Q 6

H Q L J W
W L F
H D D Q S
W J L L
] U S U U
L R D F
6 R
6 5  U 6
0 W U W
V L V
H R
0
1 3

W
D
P
U
R
)

H
J
D
3


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH


P
P
 


 
 
 
 

P 
P 






KGW
L: U
R
O
R
&

 
 
 
 
 
 
U U
H H
E E
P P
X X
1
 1

Q Q
H H
3 3


\ %
U H
W
R W
W H
F O 
D D \ Q
$
 % U
) 3
 R 2
 H H W 
W W
H W W F I
U $ H H D I
 O O
D H D D ) 2
W
Z W 3 3
W H
I O
R D
6 3

H
W
W J
H H
WWH
O Q
D L
J
OD S
H
U
H
3 Q
L
I
0
H
'

V
J
Q
L
W
W
H
6



/
*

3
+


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH

O
D
L
F
H
S
6

O
D
P
U
R
1

L
P



Q 



7 



# # #
H

OD

F 
  G

XQ
H /  
6  F F H P
Y I  * L L ]
R L I * W W

D
U W  L
2  / H
 2 3 6 P P

0
  * P P L L
( I   /


1
 I Q + R R R W [
  3 $ W W 1 S
2  V
2 3 2  + & 2
< 2  $ $

2 : 
7 6

# #


 H \
J F
R E P
L L L L
W W  W U
L U 
J J F
& P H Q
 L W Q F
U W D L
P R /
 X
/ \ $

( U
 R N & H
' J
N & ,
, 3

\ S
W
L X
O W
D H
X 6

4 H
 F
H L
J Y
D H
P '
,


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH


G
H U
G D
L
X &

W
X * H
Q  V
H S H
X
0 W
H
5

W 6
F 
H H
U K
L W

' H
W
H H
- 6

V
V Q
H L
U
G V P
 V Q 
H G H R 
U L G
P $ W 
 G D H
D G U F 
3
1 ,
 X Q 
  $
 J D
6 N L Y
O I Q
1 : G L
D Q
W R
' H + $ P
O & 
S 
S 
$

G
' U
, D W
 X
N & R
U 
R N H
U
Z R P
W L
H Z 7

W
1 H 2
1 
,

S
X
W
H
6

2

,


8VLQJWKH)URQW3DQHO
)URQW3DQHO0HQX6WUXFWXUH

 Q
Q U
U H
H W
W W
W D
D S

S H
H U
W X
D V
H D
U
H
&
0

\
U
R H
W W
F D
D U
) E
 L
O
H D
U
R F
W H
V 5
H
5

#
Y Y W
H Y Q 
H H 
5 H J 
 5  5 L J W
W   P I L U \
Q H H W \ I W O
Q G Q Q Q R L O
H G Q F R S O
Z V R JQ D R D X
R R L U H
R H & ) O2 & & X )
U &   D X   5 
' S  W W    4 
   I F  H  W
 N S S GI F F H W U
L L D / L J R
S V
0 L U U 2 $ Q
F F H Y D L K
8 * U V U
$ G
 6 6
K
W  H 6
W W 3
5 G Q 3 8
U V V L 6
D R R U +
3 3 3
+


V 
W G  
V DX X
D HQ X D W Q H
U KH Q HQ V G 
W W H D R W  #V
Q V LQ Q R W
F Q0 G 0 W V L X Q
R L L  PV   U
F W U W H\  D2
 H P

Q R
 V SWH O O D HUIO
S
 X
H V )
\ L  W X S O WE W H 
W U WL IS V Q 0 O W
D
O D HH D S HO H  S S
W O I PV O D2P H  L
S 6 YD H D L D D 7 H U
V R3 6 ' & 0 W P F
L 3 6 W D
F ' H 6
' H O 6 W
D V
5 R
3
3

VRVR
HVWL P P
HH'
OLWL '
8


8VLQJWKH)URQW3DQHO
1DYLJDWLQJWKH0HQX6\VWHP


1DYLJDWLQJWKH0HQX6\VWHP
2QFHLQWKHILUVWOHYHOPHQX\RXFDQQDYLJDWHWKHPHQXV\VWHPXVLQJWKHGLVSOD\
NH\V

3UHVV7RSWRJREDFNWRWKHWRS VW OHYHOZLWKRXWFKDQJLQJ


DQ\PHQXVHOHFWLRQV7KLVZLOOEULQJ\RXWRWKHIRXUPHQXLFRQV

7RS

3UHVV%DFNWRGLVSOD\WKHSUHYLRXVPHQXOHYHO
ZLWKRXWFKDQJLQJDQ\PHQXVHOHFWLRQV HTXLYDOHQW %DFN
WRPRYLQJOHIW>←@ RQHFROXPQLQWKH)URQW3DQHO
0HQXVSULQW 
3UHVV↑WRVFUROOXSRU↓WRVFUROOGRZQ ↑
WKURXJKWKHPHQXVLQDPHQX HTXLYDOHQW
WRPRYLQJXS>↑@RUGRZQ>↓@DFROXPQ
LQWKH)URQW3DQHO0HQXVSULQW  ↓

(QWHU

3UHVV(QWHUWR
D 6HOHFWDPHQXDQGPRYHWRWKHQH[WPHQXOHYHO
ZKHQLQWKHPHQXV\VWHP HTXLYDOHQWWRPRYLQJRQH
FROXPQWRWKHULJKW>→@LQWKH)URQW3DQHO0HQXVSULQW 
E &KDQJHWKHSULQWHU¶VFRQILJXUDWLRQWRWKHKLJKOLJKWHGPHQXLWHP>↵@

7KHDUURZV↑↓← →↵VKRZQLQVTXDUHEUDFNHWVDERYH
DUHXVHGWRUHSUHVHQWSUHVVLQJWKHUHOHYDQWNH\VRQFH
LQWKHIROORZLQJQDYLJDWLRQH[DPSOH

127( 7KHFKDUDFWHUVLQDPHQXER[LQGLFDWHWKDWDQRWKHUOHYHORIPHQXLVDYDLODEOH


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

1DYLJDWLRQ([DPSOHV
8VHWKHIROORZLQJH[DPSOHVWRSUDFWLFHQDYLJDWLQJWKHPHQXV\VWHP$OOH[DPSOHV
DVVXPHWKDW\RXKDYHHQWHUHGWKHPHQXV\VWHPIURPWKHVWDWXVVFUHHQVKRZQEHORZ

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.

6HOHFWLQJWKH)XOO0HQX0RGH
 0DNHVXUHWKHVWDWXV³5HDG\´LVVKRZQRQWKHIURQWSDQHO
5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↓ NH\RQFHWRVHOHFWWKH3ULQWHUVHWXSPHQXLFRQ

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVHWXSPHQXLFRQVHOHFWHG

 3UHVVWKH(QWHUNH\WRHQWHUWKHSULQWHUVHWXSPHQX7KHIURQWSDQHOZLOOQRZ
GLVSOD\WKHSULQWHUVHWXSPHQXV

3ULQWHUVHWXSRSWLRQV
+3*/VHWWLQJV
,PDJHTXDOLW\
'HYLFHVHWXS
8WLOLWLHV
'HPRV


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

 3UHVVWKH↓NH\XQWLO³8WLOLWLHV´LVVHOHFWHG

3ULQWHUVHWXSRSWLRQV
+3*/VHWWLQJV
,PDJHTXDOLW\
'HYLFHVHWXS
8WLOLWLHV
'HPRV

 3UHVVWKH(QWHUNH\
8WLOLWLHV

0HQXPRGH 6KRUW

&KDQJHGLVSOD\FRQWUDVW

 3UHVVWKH(QWHUNH\DJDLQ
0HQXPRGH

6KRUW√
)XOO

 3UHVV↓ NH\.

0HQXPRGH

6KRUW√
)XOO

 3UHVVWKH(QWHUNH\

0HQXPRGH

6KRUW
)XOO√


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV
 3UHVVWKH7RSNH\WRH[LWWKHPHQXV\VWHP7KHPHQXPRGHKDVQRZEHHQFKDQJHG
IURPVKRUWWRIXOO

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

&KDQJLQJWKH&RORU&DOLEUDWLRQ6HWWLQJLQWKH,PDJH
4XDOLW\0HQX 3RVW6FULSWRQO\
,QWKLVH[DPSOH\RXZLOOFKDQJHWKH&RORU&DOLEUDWLRQVHWWLQJLQWKH,PDJH4XDOLW\
RSWLRQ7KHDUURZVRQWKHH[FHUSWIURPWKH)URQW3DQHO0HQXVSULQWRQSDJH
FRUUHVSRQGWRWKHQXPEHUHGLQVWUXFWLRQVJLYHQEHORZ)URPWKHSUHYLRXVH[DPSOH
\RXVKRXOGQRZKDYHWKHVWDWXVVFUHHQGLVSOD\HGRQWKHIURQWSDQHOZLWK)XOO
0HQXVPRGHVHOHFWHG
5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&.

 6HOHFWWKH3ULQWHU6HWXS0HQX,FRQRQWKHIURQWSDQHOE\XVLQJWKH↓RU↑ NH\V, WKHQ


SUHVVWKH(QWHUNH\

5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVHWXSPHQXLFRQVHOHFWHG

 7KHIURQWSDQHOZLOOQRZGLVSOD\WKHSULQWHUVHWXSRSWLRQV
3ULQWHUVHWXSRSWLRQV

+3*/VHWWLQJV

,PDJHTXDOLW\
'HYLFHVHWXS
,2VHWXS
8WLOLWLHV

 3UHVVWKH↓ NH\XQWLO³,PDJHTXDOLW\´LVVHOHFWHG
3ULQWHUVHWXSRSWLRQV

+3*/VHWWLQJV

,PDJHTXDOLW\
'HYLFHVHWXS
,2VHWXS
8WLOLWLHV


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV
 3UHVVWKH(QWHUNH\WRHQWHUWKH³,PDJHTXDOLW\´PHQX7KHIURQWSDQHOZLOOQRZ
GLVSOD\WKHIROORZLQJPHVVDJH
,PDJHTXDOLW\

,QNHPXO 1DWLYH

&RORUFDOLE 2Q

,QN/LPLWLQJ 2Q

 3UHVVWKH↓NH\RQFHWRVHOHFWWKH³&RORUFDOLEUDWLRQ´PHQX
,PDJHTXDOLW\

48$/,7<
&RORUFDOLE 2Q→
,QNHPXO 1DWLYH

&RORUFDOLE 2Q

,QN/LPLWLQJ 2Q

 3UHVVWKH(QWHUNH\WRHQWHUWKH&RORUFDOLEUDWLRQPHQX7KHPHQXFXUUHQWO\
VHOHFWHGLVGLVSOD\HGZLWKD³√´IRUPRUHGHWDLOVRQFRORUFDOLEUDWLRQVHHSDJH
&DOLEUDWLQJWKH&RORU2XWSXW 3RVW6FULSWRQO\ 

&RORUFDOLEUDWLRQ

2II

2Q √

 &KDQJHWKHGLVSOD\HGPHQXE\SUHVVLQJWKH↑NH\

&RORUFDOLEUDWLRQ

2II

2Q √

 3UHVVWKH(QWHUNH\WRVHWWKHQHZGLVSOD\HGVHWWLQJ

&RORUFDOLEUDWLRQ

2II √
2Q

 7RH[LWWKHPHQXV\VWHPSUHVVWKH7RSNH\


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

,I\RXQRZUHHQWHUWKHPHQXV\VWHPDQGUHSHDWVWHSVWR\RXZLOOVHHWKHPHQX
WKDW\RXVHOHFWHGGLVSOD\HGZLWKD³√´

9

4 1DWLYH √
→ ,QNHPXODWLRQ 
6:23

3 (XUR6FDOH

72<2',&

6
...
→ 2II
8
...

,PDJHTXDOLW\ &RORUFDOLEUDWLRQ 
2Q √ 723 9

2II
,QNOLPLWLQJ
2Q √

127( 7KHFKDUDFWHUVLQDPHQXER[LQGLFDWHVWKDWDORZHUOHYHORIPHQXLVDYDLODEOH


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

&KDQJLQJWKH3DJH6L]H
7KLVH[DPSOHVKRZVKRZWRDGMXVWWKHSDJHVL]H

0DNHVXUHWKHVWDWXV³5($'<´LVVKRZQRQWKHIURQWSDQHO
5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↓ NH\RQFHWRVHOHFWWKH3ULQWHUVHWXSPHQXLFRQ

5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVHWXSPHQXLFRQVHOHFWHG

 3UHVVWKH(QWHUNH\WRHQWHUWKHSULQWHUVHWXSPHQX7KHIURQWSDQHOZLOOQRZ
GLVSOD\WKHSULQWHUVHWXSPHQXV

3ULQWHUVHWXSPHQXV

4XHXHLQJ QHVWLQJ

3DJHIRUPDW

+3*/VHWWLQJV

'HYLFHVHWXS

,2VHWXS

 3UHVVWKH↓NH\XQWLO³3DJH)RUPDW´LVVHOHFWHG

3ULQWHUVHWXSPHQXV

4XHXHLQJ QHVWLQJ

3DJHIRUPDW

+3*/VHWWLQJV

'HYLFHVHWXS

,2VHWXS

 3UHVVWKH(QWHUNH\

3DJHIRUPDW

6L]H ,QNHGDUHD

5RWDWH 

0DUJLQV

1HVW6SDFLQJ


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

 3UHVVWKH(QWHUNH\

6L]H

,QNHGDUHD √
2YHUVL]H

$5&+

-,6

$16,

 3UHVVWKH↓NH\RQFHWRGLVSOD\WKH³2YHUVL]H´PHQX

6L]H
3$*()250$7

,QNHGDUHD 

0DUJLQV ([WHQGHG
2YHUVL]H

$5&+

-,6

$16,

 3UHVVWKH(QWHUNH\

2YHUVL]H

2YHU$ √
2YHU$

 8VHWKH↓NH\VWRGLVSOD\WKHDYDLODEOHPHQXVDQGZKHQWKHGHVLUHGPHQXLV
GLVSOD\HGSUHVVWKH(QWHUNH\WRVHOHFWLWDVWKHSDJHVL]HVHWWLQJ
 7RH[LWWKHPHQXV\VWHPSUHVVWKH7RSNH\


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

&KDQJLQJWKH'U\LQJ7LPH
7KLVH[DPSOHDGMXVWVWKHGU\LQJWLPHDVHWWLQJXVHGWRVXLWVSHFLDOSULQWLQJ
FRQGLWLRQV6HHSDJH'U\LQJ7LPHIRUPRUHGHWDLOV

0DNHVXUHWKHVWDWXV³5($'<´LVVKRZQRQWKHIURQWSDQHO
5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↓ NH\RQFHWRVHOHFWWKH3ULQWHUVHWXSPHQXLFRQ

5HDG\
,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVHWXSPHQXLFRQVHOHFWHG

 3UHVVWKH(QWHUNH\WRHQWHUWKHSULQWHUVHWXSPHQX7KHIURQWSDQHOZLOOQRZ
GLVSOD\WKHSULQWHUVHWXSPHQXV

3ULQWHUVHWXSPHQXV

4XHXHLQJ QHVWLQJ

3DJHIRUPDW

+3*/VHWWLQJV

,PDJH4XDOLW\

'HYLFHVHWXS

 3UHVVWKH↓NH\XQWLOWKH³'HYLFHVHWXS´PHQXLVVHOHFWHG

3ULQWHUVHWXSPHQXV

3DJH)RUPDW

+3*/VHWWLQJV

,PDJH4XDOLW\

'HYLFHVHWXS

,2VHWXS


8VLQJWKH)URQW3DQHO
1DYLJDWLRQ([DPSOHV

 3UHVVWKH(QWHUNH\
'HYLFHVHWXS

&XWWHU 2Q
/DQJ +3*/

'U\LQJWLPH $XWRPDWLF

 3UHVVWKH↓NH\WRVHOHFWWKH³'U\LQJWLPH´PHQX

'HYLFHVHWXS

&XWWHU 2Q

/DQJ +3*/

'U\LQJWLPH $XWRPDWLF

 3UHVVWKH(QWHUNH\WRGLVSOD\WKH³'U\LQJWLPH´PHQX

'U\LQJWLPH

$XWRPDWLF √
1RQH

0DQXDO PLQ

 8VHWKH↑DQG↓NH\VWRVHOHFWWKHGHVLUHGPHQXDQGWKHQSUHVVWKH(QWHUNH\WR
VHOHFWLWDVWKHVHWWLQJIRU'U\LQJWLPH
 7RH[LWWKHPHQXV\VWHPSUHVVWKH7RSNH\

,03257$17 <RXKDYHQRZILQLVKHGWKHH[DPSOHVIRUIURQWSDQHOQDYLJDWLRQ,I\RXDUHXQVXUH
DERXWWKHVHWWLQJV\RXKDYHPDGHRULI\RXSUHIHUWRUHVHWWKHSULQWHUV¶GHIDXOW
PHQXFRQWLQXHZLWKWKHIROORZLQJSURFHGXUH

5HVWRULQJWKH'HIDXOW0HQX
)URPWKH³8WLOLWLHV´PHQXFKRRVH³'HIDXOWPHQX´
8WLOLWLHV

'HIDXOWPHQX


8VLQJWKH)URQW3DQHO
0HQX*UDSKLFV8VHGLQ7KLV0DQXDO

0HQX*UDSKLFV8VHGLQ7KLV0DQXDO
$PHQXJUDSKLFLVGLVSOD\HGLQWKHOHIWPDUJLQZKHQ\RXQHHGWRXVHWKHPHQX
V\VWHP7KLVPHQXJUDSKLFJLYHVDFRQFLVHH[SODQDWLRQRIKRZWRQDYLJDWHWRWKH
H[DFWSODFH

7KHJUDSKLFVORRNVLPLODUWRWKLVEXWIXUWKHUOHYHOVPD\EHVKRZQ

,FRQVHOHFWLRQ
6HFRQGOHYHO
5HSUHVHQWVSUHVVLQJ(QWHUNH\ VHOHFWLRQ
)XOOPHQXPRGH
'HIDXOW
0HQXPRGHUHTXLUHG $IIHFWVQH[WILOHVHQW
DQGRWKHUXVHIXOLQIRUPDWLRQ 6WD\VDIWHUSRZHURII
C4704018

&XUUHQWO\VHOHFWHGPHQXVDUHGLVSOD\HGZLWKD³√´LQWKHIURQWSDQHOGLVSOD\




:RUNLQJZLWK3DSHU

&KRRVLQJ3DSHU 
3DSHU7\SHV 
+DQGOLQJ<RXU3DSHU 
2EWDLQLQJ5ROO3DSHU,QIRUPDWLRQ 
2EWDLQLQJ6KHHW3DSHU,QIRUPDWLRQ 
,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU 
/RDGLQJ5ROO3DSHU 
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW 
8QORDGLQJD5ROOIURPWKH3ULQWHU 
6KHHW3DSHU 
8QORDGLQJ6KHHW3DSHU 
'U\LQJ7LPH 


:RUNLQJZLWK3DSHU
&KRRVLQJ3DSHU

&KRRVLQJ3DSHU
<RXUSULQWHUVXSSRUWVVHYHUDOW\SHVRISDSHU&KRRVLQJWKHEHVWSDSHUW\SHIRU\RXU
QHHGVLVDQHVVHQWLDOVWHSLQHQVXULQJJRRGLPDJHTXDOLW\)RUEHVWSULQWLQJUHVXOWV
XVHRQO\JHQXLQH+HZOHWW3DFNDUGSDSHUZKRVHUHOLDELOLW\DQGSHUIRUPDQFHKDYH
EHHQGHYHORSHGDQGWKRURXJKO\WHVWHG$OO+3SULQWLQJFRPSRQHQWV SULQWHULQN
V\VWHPDQGSDSHU KDYHEHHQGHVLJQHGWRZRUNWRJHWKHUWRJLYHWURXEOHIUHH
SHUIRUPDQFHDQGRSWLPDOLPDJHTXDOLW\
)RUGHWDLOHGLQIRUPDWLRQRQ+HZOHWW3DFNDUGSDSHUVHHSDJH3DSHU7\SHVDQG
WKH+33ULQWLQJ0DWHULDOVFDWDORJVXSSOLHGZLWKWKHSULQWHU

6RPH,PSRUWDQW3RLQWVDERXW3DSHU7\SHV
n 7KLVSULQWHUVXSSRUWVPDQ\W\SHVRISDSHU+RZHYHUWKHTXDOLW\RIVRPHLPDJHV
PD\EHUHGXFHGLI\RXGRQRWXVHWKHFRUUHFWSDSHUIRU\RXUDSSOLFDWLRQ)RU
H[DPSOHLPDJHVZLWKODUJHUHJLRQVRILQWHQVHFRORULHZKHUHPDQ\LQNGURSV
DUHQHHGHGWRIXOO\VDWXUDWHWKHFRORUZLOOQRWSULQWZHOORQ+3%ULJKW:KLWH
,QN-HW3DSHU2Q+3&RDWHG3DSHUWKHVDPHLPDJHVPLJKWFDXVHWKHSDSHUWR
ZULQNOHDQGWKHQFRPHLQWRFRQWDFWZLWKWKHSULQWKHDGVVPHDULQJ\RXUSULQWDQG
ULVNLQJGDPDJHWRWKHSULQWKHDG6HHSDJH&RPELQDWLRQVRI3DSHU7\SHDQG
3ULQW4XDOLW\6HOHFWLRQ
n :KHQHYHU\RXORDGDUROORUDVKHHWWKHSULQWHU
VIURQWSDQHOGLVSOD\SURPSWV
\RXWRVSHFLI\WKHSDSHUW\SH\RXDUHORDGLQJ,WLVDEVROXWHO\HVVHQWLDOWRVSHFLI\
WKLVFRUUHFWO\IRUJRRGLPDJHTXDOLW\7KHWDEOHRQSDJH3DSHU7\SHVJLYHV
\RXDOOWKHLQIRUPDWLRQ\RXQHHG,ISDSHULVDOUHDG\ORDGHGDQG\RXDUHXQVXUH
ZKLFKSDSHUW\SHZDVVSHFLILHGJRWRWKHUROORUVKHHWLFRQDQGSUHVV(QWHUUHIHU
WRSDJH2EWDLQLQJ5ROO3DSHU,QIRUPDWLRQ
n 0DNHVXUHWKHDSSURSULDWHSULQWTXDOLW\VHWWLQJ %HVW1RUPDORU'UDIW LV
VHOHFWHG<RXFDQVHWWKHSULQWTXDOLW\HLWKHUIURP\RXUVRIWZDUHRUIURPWKH
SULQWHU
VIURQWSDQHO VRIWZDUHGULYHUVHWWLQJVRYHUULGHDQ\SULQWTXDOLW\VHWWLQJV
PDGHRQWKHIURQWSDQHO 7KHFRPELQDWLRQRISDSHUW\SHDQGSULQWTXDOLW\
VHWWLQJVWHOOVWKHSULQWHUKRZWRSODFHWKHLQNRQWKHSDSHUIRUH[DPSOHWKHLQN
GHQVLW\GLWKHULQJPHWKRGDQGQXPEHURISDVVHVRIWKHSULQWKHDGV)RUPRUH
GHWDLOVVHHWKHWDEOHRQSDJH&RPELQDWLRQVRI3DSHU7\SHDQG3ULQW4XDOLW\
6HOHFWLRQ
n ,QFOXGHGZLWKWKLVSULQWHULVDQ+33ULQWLQJ0DWHULDOVFDWDORJZKLFKJLYHV
RUGHULQJGHWDLOVIRU+HZOHWW3DFNDUGSDSHUVXSSOLHV7RJHWWKHODWHVWYHUVLRQRI
WKLVGRFXPHQWFRQWDFW\RXUORFDO+36DOHVDQG6XSSRUWRIILFH


:RUNLQJZLWK3DSHU
 3DSHU7\SHV

3DSHU7\SHV

6XSSRUWHG3DSHU7\SHV
<RXUSULQWHUVXSSRUWVVHYHUDOW\SHVRISDSHU7KHVXSSRUWHGW\SHVDQGWKHLUPRVW
FRPPRQQDPHVDUHVKRZQLQWKHWDEOHEHORZ

1DPHRQ)URQW 2WKHUQDPHVXVHGIRU $YDLODEOHIURP+3DV &RVW


3DQHO'LVSOD\ WKLVSDSHUW\SH
3ODLQ3DSHU 3ORWWHUSDSHU :KLWHLQNMHWSDSHU /RZ
3ODLQSDSHU IURPWKHIURQWSDQHO
FKRRVHZKLWHLQNMHW
SDSHU
7UDQVOXFHQWERQG +37UDQVOXFHQWERQG /RZ
:KLWHLQNMHWSDSHU &RORUERQGSDSHU +3%ULJKW:KLWH,QNMHW /RZ
&RORU,QNMHWSDSHU 3DSHU
&RDWHGSDSHU 6SHFLDOSDSHU +3&RDWHG3DSHU /RZ
,QNMHWSDSHU 1RWH+36SHFLDO,QNMHW 0LG
&RORU,QNMHWSDSHU 3DSHULVQRWVXSSRUWHG
0DWWHSDSHU
3UHVHQWDWLRQ
+HDY\FRDWHGSDSHU +HDY\ZHLJKWFRDWHG +3+HDY\:HLJKW&RDWHG 0LG
SDSHU 3DSHU
+HDY\ZHLJKWVSHFLDO 1RWH+3+HDY\:HLJKW
SDSHU 6SHFLDO,QNMHW3DSHULV
+HDY\ZHLJKW,QNMHW QRWVXSSRUWHG
SDSHU
+HDY\ZHLJKWPDWWH
SDSHU
+HDY\ZHLJKWFRORU
,QNMHWSDSHU
0DWWHILOP 0DWWHSRO\HVWHU +30DWWHILOP +LJK
3RO\PDWWHILOP
0\ODU
&OHDUILOP 7UDQVOXFHQWILOP +3&OHDUILOP +LJK
&OHDUSRO\HVWHU


:RUNLQJZLWK3DSHU
3DSHU7\SHV

1DPHRQ)URQW 2WKHUQDPHVXVHGIRU $YDLODEOHIURP+3DV &RVW


3DQHO'LVSOD\ WKLVSDSHUW\SH
+LJKJORVVSKRWR +LJKJORVVSKRWRSDSHU +3+LJK*ORVV3KRWR +LJK
+LJKJORVVSDSHU SDSHUIRUWKH+3
'HVLJQ-HW&DQG+3
'HVLJQ-HW&0
9HOOXP +39HOOXP 0LG
1DWWUDFLQJSDSHU 1DWXUDOWUDFLQJSDSHU +31DWXUDO7UDFLQJ3DSHU /RZ
7UDFLQJSDSHU
([WUDWUDQVOXFHQWERQG
7KLQ1DWWUDFLQJ 5LFHSDSHU 1RWDYDLODEOH /RZ
SDSHU -DSDQHVHWUDFLQJSDSHU

2QFH\RXKDYHFKRVHQ\RXUSDSHUDQGORDGHGLWLQWRWKHSULQWHU\RXFDQQRWFKDQJH
WKHVHWWLQJLQWKHIURQWSDQHO7RGRWKLV\RXZLOOKDYHWRXQORDGWKHSDSHUDQGWKHQ
UHORDGLW
$OORIWKHDERYHSDSHUVFDQEHXVHGWRSHUIRUPWKHSULQWKHDGDOLJQPHQWH[FHSWFOHDU
ILOPDQGWKHWZRW\SHVRIWUDFLQJSDSHUOLVWHGDERYHVHHSDJH$OLJQLQJWKH
3ULQWKHDGV
127(7RRUGHUWKHDERYHSDSHUW\SHVVHHWKHSDPSKOHW+33ULQWLQJ0DWHULDOV

)URPWLPHWRWLPHQHZSDSHUW\SHVPD\EHFRPHDYDLODEOH)RUXSWRGDWH
LQIRUPDWLRQSOHDVHFRQWDFW\RXU+3GHDOHUORFDO+36DOHVDQG6XSSRUW2IILFHRU
RXUZHESDJHZZZKSFRPJRGHVLJQMHW


:RUNLQJZLWK3DSHU
 3DSHU7\SHV

3K\VLFDO&KDUDFWHULVWLFVRI3DSHU7\SHV
7KHIROORZLQJWDEOHOLVWVWKHSK\VLFDOFKDUDFWHULVWLFVRIWKHGLIIHUHQWVXSSRUWHGSDSHU
W\SHV6HHDOVRSDJH:KLFKVLGH"

127( 7R RUGHU WKH VXSSRUWHG SDSHU W\SHV VHH SDJH WKH SDPSKOHW+3 3ULQWLQJ
0DWHULDOVWKDWFDPHZLWK\RXUSULQWHU

3DSHU7\SHRQWKH 3K\VLFDO&KDUDFWHULVWLFV
)URQWSDQHO'LVSOD\
2SDFLW\ 0DWWHRU*ORVV\
3ODLQSDSHU 2SDTXH 0DWWH
7UDQVOXFHQWERQG 6HPL2SDTXH 0DWWH
9HOOXP 6HPL2SDTXH 0DWWH
&RDWHGSDSHU 2SDTXH 0DWWH
0DWWHILOP 6HPL2SDTXH 0DWWH
&OHDUILOP &OHDU
+LJKJORVVSKRWR 2SDTXH *ORVV\
+HDY\FRDWHGSDSHU 2SDTXH 0DWWH
:KLWHLQNMHWSDSHU 2SDTXH 0DWWH
1DWWUDFLQJSDSHU 6HPL2SDTXH 0DWWH
7KLQ1DWWUDFLQJSDSHU 6HPL2SDTXH 0DWWH


:RUNLQJZLWK3DSHU
3DSHU7\SHV

&RPELQDWLRQVRI3DSHU7\SHDQG3ULQW4XDOLW\6HOHFWLRQ
8VHWKLVWDEOHWRJXLGH\RXZKHQFKRRVLQJ\RXUSDSHUDQGVHOHFWLQJWKHSULQWTXDOLW\
VHWWLQJ 'UDIW1RUPDO%HVW $VDJXLGHUHPHPEHU
8VH'UDIWWRJHWGUDIWFRSLHVRI\RXUSULQWVDWPD[LPXPWKURXJKSXW
1RUPDOLVRSWLPL]HGVRWKDW\RXJHWWKHEHVWOLQHTXDOLW\ZLWKWKHIDVWHVWWKURXJKSXW
6HOHFW%HVWLI\RXZDQWWRJHWWKHEHVWTXDOLW\IRULPDJHVDQGUHQGHULQJV

$SSOLFDWLRQ 8VDJH 7\SLFDOPHGLD 5HFRPPHQGHG


VHOHFWLRQ 3ULQW4XDOLW\
VHWWLQJ
&$'GUDZLQJV 'UDIWV 3ODLQ3DSHU 'UDIWRU1RUPDO
0212 %ULJKW,QNMHW3DSHU
1DWXUDO7UDFLQJ
3DSHU
7UDQVOXFHQW%RQG
)LQDO9HUVLRQV 3ODLQ3DSHU 1RUPDORU%HVW
%ULJKW,QNMHW3DSHU
1DWXUDO7UDFLQJ
3DSHU
7UDQVOXFHQW%RQG
&RDWHGSDSHU
+HDY\&RDWHG3DSHU
0DWWH)LOP
&OHDUILOP
$UFKLYHV 9HOOXP %HVW
0DWWH)LOP
&OHDU)LOP
'LD]R 7UDQVOXFHQW%RQG 1RUPDORU%HVW
1DWXUDO7UDFLQJ
3DSHU
9HOOXP
0DWWH)LOP


:RUNLQJZLWK3DSHU
 3DSHU7\SHV

&$'GUDZLQJV  'UDIWV 3ODLQ3DSHU 'UDIWRU1RUPDO


*,6 %ULJKW,QNMHW3DSHU
&2/25 /LQHV 1DWXUDO7UDFLQJ
DQGORZGHQVLW\ 3DSHU
7UDQVOXFHQW%RQG
&RDWHG3DSHU
)LQDO9HUVLRQV 3ODLQ3DSHU 1RUPDORU%HVW
%ULJKW,QNMHW3DSHU
&RDWHG3DSHU
+HDY\&RDWHG3DSHU
0DWWH)LOP
&OHDU)LOP
$UFKLYHV 0DWWH)LOP %HVW
&OHDU)LOP 1RUPDORU%HVW
7UDQVSDUHQFLHV &OHDU)LOP 1RUPDORU%HVW
&$'UHQGHULQJ 0DWWH3DSHU +HDY\&RDWHG3DSHU 1RUPDORU%HVW
*,6DQG,PDJHV
&2/25DQG&$' *ORVV\ +LJK*ORVV3KRWR 1RUPDORU%HVW
KLJKLQNGHQVLW\ 3DSHU
7UDQVSDUHQFLHV &OHDU)LOP %HVW

127('R127SULQWLQ%HVWPRGHZLWKKLJKGHQVLW\LQNDUHDVDQGOLJKWZHLJKW
SDSHU VXFK DV +3 %ULJKW :KLWH ,QNMHW SDSHU RU +3 &RDWHG SDSHUV 8QGHU WKHVH
FRQGLWLRQVWKHSDSHUPD\ZULQNOHDQGLWFRXOGFRPHLQWRFRQWDFWZLWKWKHSULQWKHDGV
SRWHQWLDOO\ GDPDJLQJ WKHP $YRLG WKLV SUREOHP E\ XVLQJ +HDY\ &RDWHG 3DSHU RU
ILOP,IWKHVHPHGLDDUHQRWDYDLODEOHVHWWKHPDUJLQVWR([WHQGHG6HHSDJH
$GMXVWLQJ0DUJLQV

+DQGOLQJ<RXU3DSHU
n +DQGOHILOPDQGJORVV\SDSHUE\WKHHGJHVRUZHDUFRWWRQJORYHV6NLQRLOVFDQ
LQWHUDFWZLWKWKHLQNDQGFDXVHLWWRVPHDU
n $OWKRXJKWKHLQNV\VWHPVVXSSOLHGZLWKWKLVSULQWHUKDYHJRRGOLJKWIDVWQHVV
FRORUVZLOOHYHQWXDOO\IDGHRUFKDQJHLIH[SRVHGWRVXQOLJKWRYHUDORQJSHULRGRI
WLPH
n 5HZUDSSDUWLDOO\XVHGUROOVLIWKH\DUHQRWEHLQJXVHGDQGGRQRWVWDFNUROOV
n $OZD\VNHHSXQXVHGUROOVZUDSSHGLQWKHSODVWLFZUDSWRSUHYHQWGLVFRORUDWLRQ


:RUNLQJZLWK3DSHU
2EWDLQLQJ5ROO3DSHU,QIRUPDWLRQ

2EWDLQLQJ5ROO3DSHU,QIRUPDWLRQ
 7RJHWLQIRUPDWLRQRQ\RXUUROORISDSHUSUHVVWKH7RSNH\RQWKHIURQWSDQHOWRJR
WRWKHPDLQPHQX

5HDG\

,QN
CYAN 9HU\/RZ
MAGENTA
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWVWKHUROOSDSHUPHQXLFRQ3UHVV
(QWHU

5HDG\

,QN
5ROO3DSHU0HQX,FRQ
CYAN
0$*(17$
<(//2:
%/$&.

D ,IWKHUHLVQRUROOSDSHUORDGHGLQVWUXFWLRQVDUHGLVSOD\HGRQKRZWRORDGUROOSDSHU
E ,IDUROORISDSHULVORDGHGWKHQWKHIROORZLQJLVGLVSOD\HG
5ROO,QIRUPDWLRQ
3DSHU %ULJKWZKLWHLQNM
:LGWK PP
0D[;< [PP
/LIWKDQGOHVWR
XQORDGUROO
7KHLQIRUPDWLRQVXSSOLHGLV
n 7\SHRISDSHUWKDW\RXKDYHVHOHFWHG
n 7RWDOZLGWKRIWKHUROORISDSHULQPLOOLPHWHUV
n 0D[LPXPSULQWDEOHDUHDWKDWWKHSDSHUKDVWRSULQWRQ
n ,QVWUXFWLRQVRQKRZWRXQORDGWKHSDSHU
)RUGHWDLOHGLQVWUXFWLRQVRQKRZWRORDGDUROORISDSHUVHHSDJH


:RUNLQJZLWK3DSHU
2EWDLQLQJ6KHHW3DSHU,QIRUPDWLRQ


2EWDLQLQJ6KHHW3DSHU,QIRUPDWLRQ
 7RJHWLQIRUPDWLRQRQWKHVKHHWRISDSHU\RXKDYHVHOHFWHGSUHVVWKH7RSNH\RQWKH
IURQWSDQHOWRJRWRWKHPDLQPHQX

5HDG\

,QN
CYAN 9HU\/RZ
MAGENTA
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWVWKHVKHHWSDSHUPHQXLFRQ
3UHVV(QWHU
5HDG\ 6LQJOH6KHHW0HQX,FRQ

,QN
CYAN
0$*(17$
<(//2:
%/$&.

D ,IWKHUHLVQRSDSHUORDGHGLQVWUXFWLRQVDUHGLVSOD\HGRQKRZWRORDGVLQJOHVKHHW
SDSHU
E ,IDVKHHWRISDSHULVORDGHGWKHQWKHIROORZLQJLVGLVSOD\HG
6KHHW,QIRUPDWLRQ
3DSHU %ULJKWZKLWHLQNM
6L]H [PP
0D[;< [PP
35(66)250)(('&87
WRXQORDGVKHHW
7KHLQIRUPDWLRQVXSSOLHGLV
n 7\SHRISDSHUWKDW\RXKDYHVHOHFWHG
n 7RWDOZLGWKRIWKHVKHHWRISDSHULQPLOOLPHWHUV
n 0D[LPXPSULQWDEOHDUHDWKDWWKHSDSHUKDVWRSULQWRQ
n ,QVWUXFWLRQVRQKRZWRXQORDGWKHVLQJOHVKHHWRISDSHU
)RUGHWDLOHGLQVWUXFWLRQVRQORDGLQJDVKHHWRISDSHUVHHSDJH


:RUNLQJZLWK3DSHU
,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU

,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU
 0DNHVXUHWKHSULQWHUZKHHOVDUHORFNHG WKHEUDNHOHYHULVSUHVVHGGRZQ WRSUHYHQW
WKHSULQWHUIURPPRYLQJ
 5HPRYHWKHHPSW\VSLQGOHE\SXOOLQJILUPO\RQHDFKHQG$DQGWKHQ%DVLQGLFDWHG
EHORZ

3
2
1

ET
HP DESIGNJ C
1050

4
3

&

7KHVSLQGOHKDVDVWRSDWHDFKHQGWRNHHSWKHUROOLQSRVLWLRQ7KHVWRSDWWKHOHIW
KDQGHQG FRORUHGEOXH FDQEHUHPRYHGWRPRXQWDQHZUROOLWVOLGHVDORQJWKH
VSLQGOHWRKROGUROOVRIGLIIHUHQWZLGWKV


:RUNLQJZLWK3DSHU
,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU

 5HPRYHWKHEOXHFRORUHGVWRS $ IURPWKHOHIWKDQGHQGRIWKHVSLQGOHDQGVWDQG
WKHVSLQGOHYHUWLFDOO\ZLWKWKHIL[HGVWRS % RQWKHIORRU

% )L[HG

5HPRYDEOH
$

&

 6OLGHWKHQHZUROORISDSHURQWRWKHVSLQGOH0DNHVXUHWKHRULHQWDWLRQRIWKHSDSHU
LVORDGHGH[DFWO\DVVKRZQ,ILWLVQRWUHPRYHWKHUROOWXUQLWWKURXJKGHJUHHV
YHUWLFDOO\DQGVOLGHLWEDFNRQWRWKHVSLQGOH
&RUUHFW ,QFRUUHFW

%
&


:RUNLQJZLWK3DSHU
,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU
 3XWWKHUHPRYDEOHVWRSRQWRWKHXSSHUHQGRIWKHVSLQGOHDQGSXVKLWGRZQDVIDUDV
LWZLOOJR'RQRWXVHH[FHVVLYHIRUFH

&

 :LWKWKHEOXHFRORUHGUROOVWRSRQWKHOHIWVOLGHWKHVSLQGOHLQWRWKHSULQWHUOHIWDQG
WKHQULJKWDVVKRZQE\WKHDUURZV$DQG%7KHSDSHUVKRXOGKDQJGRZQIURPWKH
UROOH[DFWO\DVVKRZQEHORZ
1

P DESIGNJETC
1050

4
3

6SLQGOH
*XLGHV
&

,I\RXDUHDUHJXODUXVHURIGLIIHUHQWW\SHVRISDSHU\RXFDQFKDQJHWKHSDSHURYHU
TXLFNHULI\RXKDYHPRUHWKDQRQHVSLQGOHSHUIRUPWKHIROORZLQJ
D SUHORDGWKHGLIIHUHQWW\SHVRISDSHURQWRWKHVSLQGOHV
E UHPRYHDQGUHSODFHWKHVSLQGOHZLWKWKHQHZW\SHRISDSHU
127(([WUDVSLQGOHVDUHDYDLODEOHIURP+3VHHSDJH


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU


/RDGLQJ5ROO3DSHU
127( 7R VWDUW WKLV SURFHGXUH \RX QHHG WR KDYH D UROO RI SDSHU LQVWDOOHG RQ WR WKH
SULQWHUVSLQGOH6HHSDJH,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU

 &KHFNWKHOHDGLQJHGJHDVLWXQZLQGVIURPWKHVSRRO,ILWLVQRWHYHQO\FXWRULILWLV
VNHZHG QRWSHUSHQGLFXODUWRWKHJXLGHV FRQWLQXHZLWKWKHQH[WSURFHGXUH,IWKH
SDSHULVFXWFRUUHFWO\JRWRVWHS

:$51,1* 7KHNQLIHXVHGLQWKHQH[WVWHSLVVKDUS%HVXUHWKHSULQWHU
VZKHHOVDUHORFNHG
.HHSILQJHUVFOHDURIWKHFXWWLQJSDWK.HHSWKHNQLIHDZD\IURPFKLOGUHQ

 7ULPWKHOHDGLQJHGJHRIWKHSDSHUUROORQO\LILWLVQRWVWUDLJKW
D 3XOOWKHSDSHURYHUWKHWRSRIWKHPDFKLQHDQGOD\LWRYHUWKHFXWWLQJWUDFN
E 8VHWKHNQLIHLQWKHSRFNHWORFDWHGRQWKHEDFNRIWKHSULQWHUWRFXWRIIWKHILUVW
IHZLQFKHVRIWKHSDSHU
F 5HWUDFWWKHEODGHDQGUHWXUQWKHNQLIHWRLWVSRFNHW

JET
HP DESIGN C
1050 &

 3UHVVWKH7RSEXWWRQWRVHOHFWWKHPDLQPHQXRQWKHIURQWSDQHO
 0DNHVXUHWKDWWKHIURQWSDQHOGLVSOD\VWKH5HDG\IRUSDSHUPHVVDJH

5HDG\IRUSDSHU
5ROO3DSHU
,QN 0HQX,FRQ

CYAN
0$*(17$
<(//2:
%/$&.


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU
,QDGGLWLRQWRWKHVHLQVWUXFWLRQVWKHIURQWSDQHOGLVSOD\VVWHSE\VWHSLQVWUXFWLRQV
RQKRZWRORDGUROOSDSHU7KHUHDUHDOVRODEHOVRQWKHSULQWHUZKLFKJLYH\RXD
SLFWRULDOYLHZRIWKHSDSHUORDGLQJSURFHGXUH
 /LIWWKHKDQGOHVVRWKDWWKH\DUHLQWKHXSSRVLWLRQ
3
2
1

ET
P DESIGNJ C
1050

4
3

&

 3XOORXWDSSUR[LPDWHO\FPRISDSHU IW 
1

ET
P DESIGNJ C
1050

4
3

&


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU

 7KHIURQWSDQHOPHVVDJHZLOOWHOO\RXKRZWRORDGWKHUROOSDSHU

52///2$'
$OLJQUROOHGJH
ZLWKZKLWHOLQH
)HHGUROOXQWLO
SULQWHUEHHSV
 ,QVHUWWKHUROOSDSHUHGJHEHORZWKHKDQGOHVDQGDERYHWKHSDSHUHQWU\UROOHU
1

ET
P DESIGNJ C
1050

4
3

:KLWH
/LQH

&

 $OLJQWKHULJKWHGJHRIWKHSDSHUZLWKWKHZKLWHOLQHRQWKHULJKWVLGHRIWKHHQWU\
UROOHU

(QWU\
5ROOHU
:KLWH
/LQH

&

 :KHQWKHSDSHUKDVEHHQLQVHUWHGHQRXJKWKHSULQWHUZLOO³%((3´


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU
 /RZHUWKHKDQGOHV
3
2
1

4
3

/RZHU
+DQGOHV
&

 7KHIURQWSDQHOZLOODVN\RXWRZUDSDQ\H[FHVVSDSHUEDFNRQWRWKHUROODQGSUHVV
(17(5

52///2$'
:UDSDQ\H[FHVV
SDSHURQWRUROO
3UHVV(17(5WR
FRQWLQXH

 &DUHIXOO\ZLQGWKHH[FHVVUROOSDSHUEDFNRQWRWKHVSLQGOH8VHWKHZLQJVRQWKH
EOXHUHPRYDEOHSDSHUVWRSWRWXUQWKHUROOSDSHULQWKHGLUHFWLRQVKRZQEHORZ
127(,WLVLPSRUWDQWWRSHUIRUPWKLVVWHSDVWKHSDSHUZLOOQRWHQWHUWKHSULQWHU
FRUUHFWO\DQGWKHUHZLOOEHDPLVDOLJQPHQW

&

 3UHVVWKH(17(5NH\


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU

 7KHIURQWSDQHOZLOODVNIRUWKHW\SHRIUROOSDSHUORDGHG
6HOHFWLWIURPWKHRSWLRQVGLVSOD\HGRQWKHIURQWSDQHOXVLQJWKH↑DQG↓ NH\VDQG
WKHQSUHVVWKH(17(5NH\

6(/(&73$3(5
7UDQVOXFHQWERQG
9HOOXP
&RDWHGSDSHU
0DWWHILOP
&OHDUILOP

n 7RHQVXUH\RXJHWWKHEHVWLPDJHTXDOLW\LWLVLPSRUWDQWWRVHOHFWWKHFRUUHFWSDSHU
W\SHLI\RXDUHXQVXUHZKDWSDSHUW\SH\RXKDYHVHHSDJH3K\VLFDO
&KDUDFWHULVWLFVRI3DSHU7\SHV
n ,I\RXGRQRWVHOHFWDSDSHUW\SHZLWKLQPLQXWHVWKHSULQWHUZLOOVHOHFWWKH
GHIDXOWSDSHUW\SHDQGDXWRPDWLFDOO\ORDGWKHUROOSDSHU
n 2QFH\RXKDYHILQLVKHGWKLVSURFHGXUH\RXFDQQRWFKDQJHWKHSDSHUW\SH7RGR
WKLV\RXPXVWXQORDGWKHSDSHUDQGWKHQUHORDGLW
 7KHSULQWHUZLOOQRZDXWRPDWLFDOO\
D /RDGFKHFNDQGDOLJQWKHSDSHU
E 7ULPDVWULSRIIWKHOHDGHGJHRIWKHSDSHUWRJLYHDVWUDLJKWHGJH
127( ,I D SUREOHP RFFXUV ZKLOH ORDGLQJ WKH UROO SDSHU LQVWUXFWLRQV ZLOO EH
GLVSOD\HGRQWKHIURQWSDQHO

 ,IWKHSDSHULVZHOODOLJQHGWKHSULQWHUZLOODFFHSWWKHUROOORDGDQGJLYHRQHPRUH
VLQJOH³%((3´
 7KHIURQWSDQHOVKRXOGQRZVD\³5HDG\´DQG\RXFDQEHJLQWRSULQW

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&.

127( ,I\RXKDYHSUREOHPVORDGLQJWKHUROOEHFDXVHRILQFRUUHFWSDSHUDOLJQPHQWWU\
ORDGLQJWKHUROOXVLQJWKHPDQXDODOLJQPHQWSURFHGXUH5HIHUWRSDJH


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW

/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW
127( 7R VWDUW WKLV SURFHGXUH \RX QHHG WR KDYH D UROO RI SDSHU LQVWDOOHG RQ WR WKH
SULQWHUVSLQGOH6HHSDJH,QVWDOOLQJD1HZ5ROOLQWRWKH3ULQWHU

7KLVSURFHGXUHFDQEHXVHGWRORDGUROOSDSHUZLWKRXWXVLQJWKHSULQWHU¶VDXWRPDWLF
ORDGLQJIHDWXUH,I\RXKDYHSUREOHPVDOLJQLQJUROOSDSHUWU\WKLVVLPSOHPDQXDO
DOLJQPHQWSURFHGXUH
 7KHIURQWSDQHOVKRXOGGLVSOD\³5HDG\IRUSDSHU´EHIRUH\RXFDQORDGWKHSDSHU

5HDG\IRUSDSHU

,QN

CYAN
0$*(17$
<(//2:
%/$&.

,03257$17 7KLVPDQXDODOLJQPHQWSURFHGXUHZLOORYHUULGHWKHSULQWHU¶VDXWRPDWLFORDGLQJ
IXQFWLRQ7KHUHIRUHLJQRUHWKHPHVVDJHVGLVSOD\HGRQWKHIURQWSDQHOGXULQJWKH
PDQXDODOLJQPHQW

 /LIWWKHKDQGOHV<RXZLOOKHDUDVLQJOH³%((3´,JQRUHWKHPHVVDJHRQWKHIURQW
SDQHOLQVWUXFWLQJ\RXKRZWRSHUIRUPDQDXWRPDWLFORDG
3
2
1

P DESIGNJET
C
1050

4
3

+DQGOHV
LQUDLVHG
SRVLWLRQ

&


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW

 /LIWWKHZLQGRZ<RXZLOOKHDUVXFFHVVLYH³%((36´,JQRUHWKHPHVVDJHVKRZQ
RQWKHIURQWSDQHO

3
2
1

NJET
HP DESIG

4
3

&F

 3XOORXWDSSUR[LPDWHO\FP IW RISDSHU


4
3

&


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW
 &DUHIXOO\LQVHUWWKHUROOSDSHUHGJHEHORZWKHKDQGOHVDQGDERYHWKHUROOSDSHU
HQWU\UROOHU$WVRPHSRLQW\RXZLOOKHDUDVLQJOH³%((3´

3
2
1

NJET
50 C

4
3

&

 &RQWLQXHLQVHUWLQJWKHUROOSDSHUEHORZWKHKDQGOHVDQGDERYHWKHHQWU\UROOHUXQWLO
LWHPHUJHVIURPWKHVKHHWSDSHUHQWU\SODWHQ

3
2
1

NJET
50 C

4
3

&F


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW

 7DNHKROGRIWKHOHDGLQJHGJHRIWKHSDSHUDQGFDUHIXOO\DOLJQWKHULJKWHGJHZLWK
WKHEOXHGDVKHGOLQHVRQWKHULJKWVLGHRIWKHVKHHWSDSHUHQWU\SODWHQ

3
2
1

NJET

4
3

&E

 :KHQWKHSDSHULVFRUUHFWO\DOLJQHGZLWKWKHEOXHGDVKHGOLQHVRQWKHVKHHWSDSHU
HQWU\SODWHQORZHUWKHKDQGOHVWRKROGWKHSDSHULQSODFH

3
2
1

NJET
050 C

4
3

/RZHU
+DQGOHV

&F


:RUNLQJZLWK3DSHU
/RDGLQJ5ROO3DSHU8VLQJ0DQXDO$OLJQPHQW
 &ORVHWKHZLQGRZDQGWKHSULQWHUZLOOEHJLQWKHUROOSDSHUORDGSURFHVVLQWKHVDPH
ZD\DVIRUDQDXWRPDWLFORDG5HIHUVWHSRQSDJHWRFRQWLQXH

3
2
1

NJET

4
3

&E


:RUNLQJZLWK3DSHU
8QORDGLQJD5ROOIURPWKH3ULQWHU


8QORDGLQJD5ROOIURPWKH3ULQWHU
 /LIWWKHKDQGOHVDQGWXUQWKHUROORISDSHULQWKHGLUHFWLRQLQGLFDWHGE\WKHDUURZ
VKRZQEHORZ

3
2
1

ET
HP DESIGNJ C
1050

4
3

&

 7XUQWKHEOXHUHPRYDEOHSDSHUVWRSE\KDQGXVLQJWKHZLQJVDVVKRZQEHORZXQWLO
WKHSDSHULVUHPRYHGIURPLQVLGHWKHSULQWHU

&


:RUNLQJZLWK3DSHU
8QORDGLQJD5ROOIURPWKH3ULQWHU
127( .HHS WKH SDSHU WLJKWO\ ZRXQG RQ WKH UROO WKURXJKRXW WKH XQORDGLQJ
SURFHGXUH,ILWEHJLQVWRXQZLQGLWZLOOEHFRPHPRUHGLIILFXOWWRKDQGOH

 5HPRYHWKHUROOSDSHUIURPWKHSULQWHUE\SXOOLQJILUVWWKHOHIWVLGHRIWKHUROODQG
WKHQWKHULJKWVLGHDVLQGLFDWHGE\WKHDUURZV$DQG%
1

4
3

&


:RUNLQJZLWK3DSHU
 6KHHW3DSHU

6KHHW3DSHU
'R,KDYHWRUHPRYH :KHQORDGLQJDVLQJOHVKHHWRISDSHULWLVQRWQHFHVVDU\WRUHPRYHWKHUROORISDSHU
WKHUROORISDSHU" WKDW\RXPD\KDYHDOUHDG\ORDGHGLQWRWKHSULQWHU7KHSULQWHUZLOOUHPRYHWKHUROO
RISDSHUWRDVWDQGE\SRVLWLRQ

,03257$17 :KHQORDGLQJDVLQJOHVKHHWRISDSHUDOZD\VHQVXUHWKHKDQGOHVDUHLQWKHGRZQ
SRVLWLRQ

:KLFKVLGH" ,WLVWKHVLGHIDFLQJXSRQZKLFKWKHSULQWHUSULQWV,WLVLPSRUWDQWWRORDGWKHVKHHW
ZLWKWKHFRUUHFWVLGHIDFLQJXS6HHWKHWDEOHEHORZ

3DSHUW\SH 3DSHUORDGLQJWLSV
3ODLQ3DSHU %RWKVLGHVDUHWKHVDPH
,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ
7UDQVOXFHQW%RQG %RWKVLGHVDUHWKHVDPH
,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ
9HOOXP %RWKVLGHVDUHWKHVDPH
,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ
&RDWHGSDSHU /RDGZLWKWKHFRDWHGVLGHXS
0DWWHILOP /RDGZLWKWKHPDWWHVLGHXS
+LJKJORVV3KRWR /RDGZLWKWKHJORVV\VLGHXS
+HDY\&RDWHGSDSHU /RDGZLWKWKHFRDWHGVLGHXS
%ULJKWZKLWHLQNMHW %RWKVLGHVDUHWKHVDPH
SDSHU ,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ
1DWXUDOWUDFLQJSDSHU %RWKVLGHVDUHWKHVDPH
,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ
7KLQ1DWXUDOWUDFLQJ %RWKVLGHVDUHWKHVDPH
SDSHU ,IWKHVKHHWLVFXUOHGORDGZLWKWKHFXUOGRZQ


:RUNLQJZLWK3DSHU
6KHHW3DSHU
:KLFKHGJHILUVW" <RXFDQORDGDVKHHWLQHLWKHUSRUWUDLWRUODQGVFDSHRULHQWDWLRQ8QOHVVXVLQJWKH
5RWDWHRSWLRQ VHHSDJH5RWDWLQJDQ,PDJH 3RVW6FULSW ORDGWKHVKHHWLQWKH
VDPHRULHQWDWLRQDV\RXKDYHVSHFLILHGLQ\RXUVRIWZDUH,ISULQWLQJD3RVW6FULSWILOH
DOZD\VORDGWKHVKHHWZLWKWKHVKRUWHGJHILUVWHYHQLIWKHZLGWKRI\RXULPDJHLV
JUHDWHUWKDQLWVOHQJWK

C4704020
3RUWUDLW VKRUWHGJHILUVW /DQGVFDSH ORQJHGJHILUVW
DOZD\VXVHIRU3RVW6FULSWILOHV

/RDGLQJ6KHHW3DSHU
 2SHQWKHZLQGRZ

3
2
1

NJET
HP DESIG

4
3

&F

 7KHIURQWSDQHOZLOOGLVSOD\WKHIROORZLQJPHVVDJH

6+((7/2$'

3ODFLQJSULQWDEOHVLGHXS
DOLJQLWWREOXHOLQHVDQG
/RZHUZLQGRZWR
FRQWLQXH


:RUNLQJZLWK3DSHU
 6KHHW3DSHU
 3ODFHWKHERWWRPHGJHRIWKHVKHHWSDSHURQWRWKHSULQWHUDVVKRZQEHORZ

127( 0DNHVXUHWKHFRUUHFWVLGHLVIDFLQJXSZDUGVLI\RX¶UHQRWVXUHZKLFKVLGHLV
FRUUHFWVHHSDJH:KLFKVLGH"

 $OLJQWKHHGJHRIWKHSDSHUZLWKWKHEOXHGDVKHGOLQHVRQWKHSULQWHU$LUVXFWLRQ
ZLOOKROGWKHSDSHULQSODFH

3
2
1

&

 &ORVHWKHZLQGRZ
 8VLQJWKH↑ RU↓ NH\VHOHFWWKHW\SHRISDSHU\RXDUHORDGLQJDQGWKHQSUHVVWKH
(17(5NH\

6(/(&73$3(5
7UDQVOXFHQWERQG
9HOOXP
&RDWHGSDSHU
0DWWHILOP
&OHDUILOP

7KHSULQWHUZLOOQRZORDGWKHSDSHUFKHFNLQJWKHDOLJQPHQW
 ,IWKHSDSHULVFRUUHFWO\DOLJQHGWKHSULQWHUZLOODFFHSWWKHVLQJOHVKHHWDQGZLOOJLYH
D³%((3´,ILWLVQRWFRUUHFWO\DOLJQHGWKHIURQWSDQHOZLOOGLVSOD\DQLQVWUXFWLRQ
 7KHIURQWSDQHOZLOOQRZGLVSOD\³5HDG\´DQG\RXFDQQRZEHJLQWRSULQW


:RUNLQJZLWK3DSHU
6KHHW3DSHU

8QORDGLQJ6KHHW3DSHU
7RXQORDGDVLQJOHVKHHWRISDSHUIURPWKHSULQWHUSUHVVWKH)RUP)HHGDQG&XW
DFWLRQNH\ORFDWHGRQWKHIURQWSDQHO
7RJLYHWKHLQNWLPHWRGU\WKHSULQWHUKROGVWKHSDSHUIRUVRPHWLPH 5HIHUWR
'U\LQJ7LPH  ,WLVWKHQUHOHDVHGLQWRWKHSDSHUELQ
FORM FEED
CANCEL AND CUT

)RUP)HHGDQG&XW.H\
BEST
NORMAL COLOR
DRAFT GRAYSCALE

PRINT QUALITY COLOR


&


:RUNLQJZLWK3DSHU
 'U\LQJ7LPH

'U\LQJ7LPH
:LWKVRPHSDSHUW\SHVDQGHQYLURQPHQWDOFRQGLWLRQVWKHLQNQHHGVWLPHWRGU\
'HYLFH6HWXS EHIRUHWKHSDSHULVXQORDGHG7KHSULQWHUKDVWKUHHVHWWLQJVZKLFK\RXFDQFKRRVH
WKURXJKWKHIURQWSDQHOVHHSDJH&KDQJLQJWKH'U\LQJ7LPHIRUPRUHKHOS
'U\LQJWLPH
0DQXDO
'HIDXOW$XWRPDWLF
3DSHUZKLFKKDVDVSHFLILFGU\LQJWLPHZLOOEHKHOGLQSODFHE\WKHSULQWHUDQGD
³GU\LQJWLPHWRJR´FRXQWGRZQZLOOEHGLVSOD\HGRQWKHIURQWSDQHO<RXFDQFKDQJH
WKLVGU\WLPHWRZKDW\RXZDQW

$XWRPDWLF
7KHSULQWHUDXWRPDWLFDOO\GHWHUPLQHVWKHDSSURSULDWHGU\LQJWLPHEDVHGRQWKHW\SH
RISDSHU\RXKDYHVHOHFWHGDQGWKHFXUUHQWWHPSHUDWXUHDQGKXPLGLW\,IWKHUHLVDQ\
GU\LQJWLPHD³GU\LQJWLPHWRJR´FRXQWGRZQZLOOEHGLVSOD\HGRQWKHIURQWSDQHO

1RQH
:LWKWKLVVHWWLQJZKHQWKHSULQWHUKDVILQLVKHGSULQWLQJDQLPDJHWKHSDSHUZLOOIDOO
LQWRWKHSDSHUELQXQGHUWKHSULQWHU

&$87,21 &KDQJLQJWKHGU\LQJWLPHWRVSHHGXSWKHSULQWHUFRXOGUHVXOWLQGDPDJHWR\RXU
SULQWHGLPDJHDQGRUUHGXFHWKHTXDOLW\RI\RXUSULQW

%HORZLVDWDEOHVKRZLQJWKHW\SLFDOGU\LQJWLPHVIRU+3WHVWHGSDSHUDW
DSSUR[LPDWHO\°&ZLWK%UHODWLYHKXPLGLW\

+37HVWHG3DSHUW\SH 'U\LQJ7LPH VHFRQGV


'UDIW 1RUPDO%HVW
3ODLQ3DSHU  
+37UDQVOXFHQW%RQG  
+39HOOXP  
+3&RDWHGSDSHU  
+30DWWHILOP  
+3&OHDUILOP  
+3+LJKJORVV3KRWR  
+3+HDY\FRDWHGSDSHU  


:RUNLQJZLWK3DSHU
'U\LQJ7LPH

+37HVWHG3DSHUW\SH 'U\LQJ7LPH VHFRQGV


'UDIW 1RUPDO%HVW
+3%ULJKWZKLWHLQNMHWSDSHU  
+31DWXUDOWUDFLQJSDSHU  
7KLQ1DWXUDOWUDFLQJSDSHU  

'U\LQJ3URFHGXUH
 7KHSULQWHGLPDJHHPHUJHVIURPEHQHDWKWKHSULQWHUZLQGRZ
D )RUDUROORISDSHUWKHSULQWHUDXWRPDWLFDOO\FXWVWKHSDSHUDQGLVKHOGRQWKH
SODWHQRIWKHSULQWHUE\DYDFXXP
E )RUDVKHHWRISDSHUWKHSULQWHUILQLVKHVSULQWLQJDQGWKHVKHHWLVKHOGE\D
YDFXXP
 7KHIURQWSDQHOGLVSOD\V

,QN'U\LQJ
3OHDVH:DLW 7KHFRXQWGRZQ
WLPHUGLVSOD\V
;;PLQ;;VHF
KRZPXFKGU\LQJ
WLPHLVUHPDLQLQJ

3UHVV(QWHUWRILQLVKGU\LQJ

 <RXFDQSUHVV&DQFHORUWKH(QWHUNH\WRFDQFHOWKHGU\LQJWLPH
 $IWHUWKHGU\LQJWLPHKDVHODSVHGWKHYDFXXPLVWXUQHGRIIDQGWKHSULQWHGLPDJH
IDOOVLQWRWKHELQ




:RUNLQJZLWK+31R
6XSSOLHV


:KDWDUH+31R6XSSOLHV"
*HQHUDO,QIRUPDWLRQ$ERXW+31R6XSSOLHV
6RPH*HQHUDO3UHFDXWLRQV:KHQ+DQGOLQJ+31R6XSSOLHV
:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"
2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ
2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ
,QN&DUWULGJH5HPRYDO
,QN&DUWULGJH,QVWDOODWLRQ
3ULQWKHDG5HPRYDO
3ULQWKHDG,QVWDOODWLRQ
3ULQWKHDG&OHDQHU5HPRYDO
3ULQWKHDG&OHDQHU,QVWDOODWLRQ
$IWHU5HSODFLQJD3ULQWKHDGDQG3ULQWKHDG&OHDQHU


:RUNLQJZLWK+31R6XSSOLHV
:KDWDUH+31R6XSSOLHV"

:KDWDUH+31R6XSSOLHV"
)RUHDFKRIWKHIRXULQNFRORUVXVHGLQWKHSULQWHUWKHUHDUHWKUHHVHSDUDWH
FRPSRQHQWV7KHSULQWKHDGDQGWKHSULQWKHDGFOHDQHUDUHVXSSOLHGWRJHWKHUWKHLQN
FDUWULGJHLVVXSSOLHGVHSDUDWHO\$OORIWKHVHFRPSRQHQWVDUHFDOOHGWKH+31R
6XSSOLHV7KH\DUHFRGHGZLWKDQ+31RVHOHFWLRQQXPEHUWRKHOS\RXUHRUGHU
WKHFRUUHFWUHSODFHPHQWVXSSOLHV
80

aure
ernk
jop
Pojfd

Possibilities
Expanding

80
80
Ironk
ernk aure
Pojfdjop e
ernk Chorm
Pojfdjop
Expand
ing Po
ssibiliti

3ULQWKHDGDQG
es

80
80
3ULQWKHDG&OHDQHU
kheuhg
sfrfefg
kheuhg
sfrfefg
Ink ero
v
Ink ca Caps
rtridge

,QN&DUWULGJH

,QN&DUWULGJHV

7KH+31RLQNFDUWULGJHVIRU\RXUSULQWHUUHTXLUHQRPDLQWHQDQFHRUFOHDQLQJ
$VORQJDVHDFKLQNFDUWULGJHLVLQVHUWHGFRUUHFWO\LQWRLWVVORWWKHLQNZLOOIORZWR
WKHSULQWKHDGV%HFDXVHWKHSULQWKHDGVFRQWUROWKHDPRXQWRILQNWUDQVIHUUHGWRWKH
SDJH\RXZLOOFRQWLQXHWRVHHKLJKTXDOLW\SULQWLQJUHVXOWVHYHQZKHQWKHLQNOHYHOV
DUHJHWWLQJORZ

7KHIURQWSDQHOQRWLILHV\RXZKHQDQLQNFDUWULGJH¶VLQNOHYHOLVORZ<RXFDQDOVR
FKHFNWKHLQNOHYHOVRIDOOWKHLQNFDUWULGJHVWRGHWHUPLQHLIDQLQNFDUWULGJHQHHGVWR
EHUHSODFHGVHHSDJH2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ,IWKHLQN
FDUWULGJHLVHPSW\WKHSULQWHUVWRSVSULQWLQJ6HHSDJH:KHQ6KRXOG<RX
5HSODFHWKH+31R6XSSOLHV"

3ULQWKHDGV

7KH+31RSULQWKHDGVDUHH[WUHPHO\GXUDEOHDQGGRQRWQHHGWREHUHSODFHG
HYHU\WLPHDQLQNFDUWULGJHLVUHSODFHG7KH\DUHLQGHSHQGHQWRIWKHLQNFDUWULGJHV
DQGZLOOFRQWLQXHJLYLQJH[FHOOHQWLPDJHTXDOLW\UHVXOWVHYHQLIWKHLQNFDUWULGJHV
DUHORZLQLQN6HHSDJH:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"

,I\RXQRWLFHDGHFOLQHLQSULQWTXDOLW\VXFKDVOLQHVRUGRWVPLVVLQJIURPWH[WRU
JUDSKLFVJRWRSDJH6ROYLQJ,PDJH4XDOLW\3UREOHPV


:RUNLQJZLWK+31R6XSSOLHV
:KDWDUH+31R6XSSOLHV"

3ULQWKHDG&OHDQHUV

7KH+31RSULQWKHDGFOHDQHUVNHHSWKHSULQWKHDGVLQJRRGFRQGLWLRQDQGWKH\
SUHYHQWWKHPIURPEHLQJGDPDJHGZKHQWKHSULQWHULVQRWDFWLYH7KH\VHUYLFHWKH
SULQWKHDGPDNLQJVXUHLW¶VDOZD\VUHDG\WREHXVHG

,GHQWLI\LQJWKH&RPSRQHQWV
7KHIROORZLQJLOOXVWUDWLRQZLOOKHOS\RXLGHQWLI\WKHFRPSRQHQWVRIWKH+31R
VXSSOLHV
3ULQWKHDG
,QN&DUWULGJH 3ULQWKHDG&OHDQHU

NJET
HP DESIG
1050 C B
Y
M
C

&

7KHVHOHFWLRQQXPEHU+31RRQWKHLQNFDUWULGJHVSULQWKHDGVDQGSULQWKHDG
FOHDQHUVPDNHVLWHDV\IRU\RXWRILQGWKHFRUUHFW+3SULQWLQJVXSSOLHVIRU\RXU
SULQWHU'HWHUPLQHWKHFRORURIWKHSULQWKHDGRULQNFDUWULGJH\RXQHHGWKHQPDNH
VXUH\RXSXUFKDVHRURUGHUDQ+31RSULQWKHDGZLWKSULQWKHDGFOHDQHURULQN
FDUWULGJH(DFKLQNFDUWULGJHDQGSULQWKHDGZLWKSULQWKHDGFOHDQHUFDQEHSXUFKDVHG
VHSDUDWHO\IURP\RXUXVXDO+3UHWDLOHU6HHSDJHV2UGHULQJ$FFHVVRULHVDQG
SDJH:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"


:RUNLQJZLWK+31R6XSSOLHV
:KDWDUH+31R6XSSOLHV"

*HQHUDO,QIRUPDWLRQ$ERXW+31R6XSSOLHV
)RURSWLPXPUHVXOWVIURP\RXUSULQWHUDQGPRGXODULQNGHOLYHU\V\VWHP
DOZD\VIROORZWKHVHJXLGHOLQHVZKHQKDQGOLQJWKH+31RVXSSOLHV
■ $OZD\VLQVWDOOWKHLQNFDUWULGJHVSULQWKHDGVDQGSULQWKHDGFOHDQHUVEHIRUHWKH
H[SLUHGDWHZKLFKLVRQWKHSDFNDJLQJ
■ ,QVWDOODQHZSULQWKHDGFOHDQHUHYHU\WLPH\RXFKDQJHDSULQWKHDG
■ $OORZWKHSULQWHUDQGSULQWKHDGFOHDQHUVWRDXWRPDWLFDOO\FOHDQWKHSULQWKHDGV
■ ,QVWDOOLQNFDUWULGJHVSULQWKHDGVDQGSULQWKHDGFOHDQHUVLQWKHLUFRORUFRGHG
VORWV
■ )ROORZWKHLQVWUXFWLRQVRQWKHIURQWSDQHORIWKHSULQWHUGXULQJLQVWDOODWLRQ
■ $YRLGXQQHFHVVDU\UHPRYDORIWKHLQNFDUWULGJHVDQGSULQWKHDGV
■ :KHQWXUQLQJRII\RXUSULQWHUDOZD\VXVHWKHSRZHURIIEXWWRQRQWKHIURQWSDQHO
7KHSULQWKHDGVDUHWKHQVWRUHGFRUUHFWO\ZKLFKSUHYHQWVWKHPIURPGU\LQJRXW
■ 7KHLQNFDUWULGJHVVKRXOGQHYHUEHUHPRYHGZKLOHWKHSULQWHULVSULQWLQJ7KH\
VKRXOGRQO\EHUHPRYHGZKHQWKHSULQWHULVUHDG\IRU\RXWRUHSODFHWKHP7KH
IURQWSDQHOZLOOJXLGH\RXWKURXJKWKHUHPRYDODQGLQVWDOODWLRQSURFHGXUH6HH
SDJH:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"

&$87,21 :KHQ\RXILUVWUHFHLYHG\RXUSULQWHULWZDVVXSSOLHGZLWKDVHWRIIRXUVHWXS
SULQWKHDGVLQVWDOOHGLQWKHSULQWKHDGFDUULDJH7KHVHVHWXSSULQWKHDGVDUHXVHG
IRUWKHSULPLQJRIWKHWXEHVLQWKHPRGXODULQNGHOLYHU\V\VWHP'RQRWUHPRYH
WKHVHWXSSULQWKHDGVIURPWKHFDUULDJHZLWKRXWIROORZLQJWKHSURFHGXUHVLQWKH
6HWXS*XLGH


:RUNLQJZLWK+31R6XSSOLHV
:KDWDUH+31R6XSSOLHV"

6RPH*HQHUDO3UHFDXWLRQV:KHQ+DQGOLQJ+31R
6XSSOLHV
&$87,21
'RQRWWRXFKZLSHRUDWWHPSWWRFOHDQWKHSULQWKHDGQR]]OHV7KLVFDQGDPDJH
WKHSULQWKHDG

'RQRWWRXFKZLSHRUDWWHPSW
WRFOHDQWKHSULQWKHDGQR]]OHV
7KLVFDQGDPDJHWKHSULQWKHDG &D

+DQGOHWKH+31RVXSSOLHVZLWKFDUH,QSDUWLFXODUWKHSULQWKHDGZKLFKLVDKLJK
SUHFLVLRQGHYLFHDQGPXVWEHKDQGOHGFDUHIXOO\
■ 'RQRWWRXFKWKHSULQWKHDGQR]]OHV
■ 'RQRWSXWWKHSULQWKHDGGRZQRQWKHQR]]OHV
■ 'RQRWEHURXJKZKHQKDQGOLQJWKHSULQWKHDGV$OZD\VVHWWKHPGRZQJHQWO\
■ 'RQRWGURSWKHSULQWKHDGV
■ 3URSHUKDQGOLQJZLOODVVXUHRSWLPXPSHUIRUPDQFHWKURXJKRXWWKHSULQWKHDGOLIH
■ 7KHSULQWKHDGFOHDQHUVKRXOGDOZD\VEHKDQGOHGDQGVWRUHGXSULJKWWRDYRLGD
SRWHQWLDOVSLOODJHRILQN
■ 'RQRWWRXFKWKHHQGRIWKHLQNFDUWULGJHZKLFKLVLQVHUWHGLQWRWKHSULQWHUDV
WKHUHPD\EHDVPDOODPRXQWRILQNRQWKHFRQQHFWLRQ
■ $YRLGVWRULQJSDUWLDOO\XVHGLQNFDUWULGJHVRQWKHLUHQGV


:RUNLQJZLWK+31R6XSSOLHV
:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"

:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"
:KHQWRFKDQJH\RXU+31RVXSSOLHVLVPRVWO\GHWHUPLQHGE\\RXZLWK
JXLGDQFHIURPWKHIURQWSDQHO,QFRQMXQFWLRQZLWKWKHPHVVDJHVGLVSOD\HGLQWKH
IURQWSDQHODQGWKHPHVVDJHH[SODQDWLRQVLQWKLVFKDSWHU\RXZLOOEHDEOHWRFKRRVH
IRU\RXUVHOIZKHQLVWKHULJKWWLPH IRU\RXUSDUWLFXODUFDVH WRFKDQJHWKH+31R
VXSSOLHV

7KHSULQWHUZLOODOVRGLVSOD\WKHLQNOHYHODQGZLOOWHOO\RXZKHQ\RXULQNVXSSO\LV
ORZYHU\ORZRUHPSW\7KLVPHDQV\RXKDYHFRQVWDQWO\XSGDWHGLQIRUPDWLRQDERXW
\RXU+31RVXSSOLHV

3ULQWKHDGOLIHLVDQWLFLSDWHGWREHPORUWZHOYHPRQWKVLQWKHSULQWHUZKLFKHYHU
RFFXUVILUVWSURYLGHGWKDWWKHSULQWKHDGLVXVHGXQGHUQRUPDORSHUDWLQJFRQGLWLRQV
XVLQJ+3LQNFDUWULGJHVRQO\ DQGLWV³LQVWDOOEHIRUHGDWH´KDVQRWODSVHG+RZHYHU
UHVXOWVYDU\GHSHQGLQJRQWKHSULQWTXDOLW\VHWWLQJ\RXXVH


:RUNLQJZLWK+31R6XSSOLHV
:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"

7KH)URQW3DQHO'LVSOD\V
7KHIURQWSDQHOGLVSOD\KDVDGHGLFDWHGDUHDWRUHSRUWWKHVWDWXVRI\RXU+31R
VXSSOLHV7KHUHDUHWZRGLIIHUHQWVFUHHQV
■ 2QHVFUHHQGLVSOD\VLQIRUPDWLRQRQWKHLQNFDUWULGJHV

5HDG\
&\DQVWDWXVEDU
,QN
CYAN %ODFN,QN
0$*(17$ /RZ &DUWULGJHLV
<(//2:
%/$&. 9HU\/RZ 9HU\/RZ

■ 7KHRWKHUVFUHHQGLVSOD\VLQIRUPDWLRQRQWKHSULQWKHDGVDQGWKHSULQWKHDG
FOHDQHUV

3ULQWLQJ 3ULQWLQJ0RQLWRU
0RQLWRU 4XDOLW\
3ULQWKHDG
CYAN Monitor
0$*(17$ 2. 0RQLWRULVGLVSOD\HGDJDLQVWWKHUHOHYDQW
<(//2: 2. SULQWKHDGDVWKHSULQWHULVSULQWLQJ
%/$&. 2.

■ 'XULQJQRUPDORSHUDWLRQWKHIURQWSDQHOGLVSOD\VWKHLQNOHYHOVKRZHYHULIWKHUH
LVDSULQWKHDGVWDWXVPHVVDJHVXFKDVPRQLWRUIRUH[DPSOHVHHSDJH
3ULQWKHDG6WDWXV0HVVDJHVWKHSULQWKHDGPHVVDJHZLOOWDNHSUHFHGHQFH7KLVLV
WKHFDVHXQWLO\RXUHSODFHWKHSULQWKHDG,I\RXQHHGWRVHHWKHLQNOHYHOVZKHQ
WKH\DUHQRWEHLQJGLVSOD\HG\RXFDQXVHWKHLQNV\VWHPVPHQXWRFKHFNWKHP
VHHSDJH2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH6WDWXV0HVVDJHV

,QN&DUWULGJH6WDWXV0HVVDJHV
6WDWXV%DUV

7KHIURQWSDQHOGLVSOD\VIRXUKRUL]RQWDOEDUV7KHVHEDUVUHSUHVHQWKRZPXFKLQNLV
UHPDLQLQJLQWKHLQNFDUWULGJHVDVLQNLVXVHGXSWKHEDUVJHWVKRUWHULQOHQJWK7R
VHHKRZPXFKLQN\RXKDYHUHPDLQLQJJRWRWKHµ,QN&DUWULGJH,QIR¶PHQX6HH
SDJH2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ

/RZ
,QN6\VWHP2SWLRQV

7KH/RZPHVVDJHPHDQVWKDW\RXVKRXOGREWDLQQHZVXSSOLHVRIWKDWSDUWLFXODU
,QN&DUWULGJH,QIR
FRORU,WLVDQHDUO\ZDUQLQJVLJQ7RVHHKRZPXFKLQN\RXKDYHUHPDLQLQJJRWR
WKHµ,QN&DUWULGJH,QIR¶PHQX6HHSDJH2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ

9HU\/RZ

:KHQWKH9HU\/RZPHVVDJHLVGLVSOD\HG\RXVKRXOGQRWDWWHPSWDQ\RYHUQLJKW
SULQWLQJ,WLVVWURQJO\UHFRPPHQGHGWKDW\RXFKDQJHWKHLQNFDUWULGJHWRDYRLG
VWRSSLQJWKHSULQWHUKDOIZD\WKURXJKDSULQW7RVHHKRZPXFKLQN\RXKDYH
UHPDLQLQJJRWRWKHµ,QN&DUWULGJH,QIR¶PHQX6HHSDJH2EWDLQLQJ,QN
&DUWULGJH,QIRUPDWLRQ

(PSW\

7KHSULQWHUZLOOVWRSDQGZLOOQRWEHDEOHWRFRQWLQXHSULQWLQJXQWLODQHZLQN
FDUWULGJHKDVEHHQLQVWDOOHG,IWKLVRFFXUVKDOIZD\WKURXJKSULQWLQJDQLPDJH\RX
VKRXOGFKHFNWKHTXDOLW\RIWKLVLPDJHDVVWRSSLQJPLGSORWFDQDIIHFWWKHSULQW

)DXOW\

7KHLQNFDUWULGJHLVIDXOW\DQGPXVWEHUHSODFHGEHIRUH\RXFDQFRQWLQXHSULQWLQJ

:URQJ0RGHO

7KHLQNFDUWULGJHLVQRWUHFRJQL]HGE\WKHSULQWHUDQGQHHGVWREHUHSODFHGEHIRUH
WKHSULQWHUFDQFRQWLQXH


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG6WDWXV0HVVDJHV


3ULQWKHDG6WDWXV0HVVDJHV
'HWDLOHGEHORZDUHWKHSULQWKHDGVWDWXVPHVVDJHVWKDWPD\FRPHDFURVVZKLOHXVLQJ
WKHSULQWHU
2.

7KHSULQWKHDGLVRSHUDWLQJFRUUHFWO\DQGZLOOSURYLGHDQDFFHSWDEOHOHYHORISULQW
TXDOLW\7RILQGPRUHLQIRUPDWLRQRQ\RXUSULQWKHDGV\RXFDQJRWRµ3ULQWKHDGLQIR¶
LQWKHIURQWSDQHO6HHSDJH2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ

5HDG\5HSODFH

7KHIURQWSDQHOGLVSOD\V5HDG\DQGWKHSULQWKHDGVWDWXVLV5(3/$&(7KHSULQWHULV
JLYLQJDQHDUO\ZDUQLQJWKDWWKHUHPD\EHDGHJUDGDWLRQRISULQWTXDOLW\<RXVKRXOG
EX\DQHZSULQWKHDG'HSHQGLQJRQWKHSULQWPRGH\RXDUHXVLQJ EHVWQRUPDORU
GUDIW \RXPD\VWLOOEHDEOHWRSULQWZLWKDQDFFHSWDEOHSULQWTXDOLW\WKHUHPD\EH
KRZHYHUDVOLJKWORVVLQVSHHG5HIHUWRWKHWDEOHRQSDJHIRUPRUHGHWDLOV

5HDG\ 5HDG\5HSODFH

3ULQWKHDG
CYAN Replace
0$*(17$ 2.
<(//2: 2.
%/$&. 2.

7KHSULQWHUZLOOVWLOORSHUDWHZLWKDSULQWKHDGWKDWQHHGVUHSODFLQJWKHIURQW
SDQHOZLOOGLVSOD\

3ULQWLQJ3ULQWKHDGV 3ULQWLQJ3ULQWKHDGV
/LPLWLQJSHUIRUPDQFH /LPLWLQJSHUIRUPDQFH
3ULQWKHDG
CYAN Replace
0$*(17$ 2.
<(//2: 2. 5HSODFH
%/$&. 2.


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG6WDWXV0HVVDJHV

)URQWSDQHOGLVSOD\V5HDG\5HSODFH
'UDIW 1RUPDO %HVW
3ULQW4XDOLW\LV 3ULQW4XDOLW\LVPDLQWDLQHGEXWXQGHUWKH³QRUPDO´VHWWLQJWKH 3ULQWHUZLOOWU\WR
$IIHFWHG SULQWHUFKDQJHVWKHSULQWLQJSURFHVVWRFRPSHQVDWHIRUDQ FRPSHQVDWHIRU
DJHLQJSULQWKHDG6XEVHTXHQWO\WKHSULQWHUZLOOSULQWVORZHU DQDJHLQJ
SULQWKHDG
6SHHGQRW 6SHHGLVDIIHFWHG 6SHHGQRW
DIIHFWHG DIIHFWHG

5HSODFH3ULQWKHDG

7KHIURQWSDQHOGLVSOD\VDZDUQLQJPHDQLQJWKDWWKHSULQWKHDGKDVTXLWHDIHZ
QR]]OHVRSHUDWLQJLQFRUUHFWO\7KHUHLVDULVNWKDW\RXFRXOGZDVWHPHGLD7KH
SULQWHUZLOOVWRSDWWKHEHJLQQLQJRIHYHU\SULQWMREDQGWKHIURQWSDQHOZLOOGLVSOD\

:DUQLQJ3ULQWKHDG
TXDOLW\GHJUDGLQJVHOHFW
<(6WRUHSODFHIDLOLQJ
SULQWKHDGV
<(6 5HSODFH
12 &RQWLQXH

3UHVVWKH↓RU↑GRZQNH\WRVHOHFW<(6RU123UHVVWKH(QWHUNH\,I\RXVHOHFW
<(6WKHSULQWMREZLOOEHFDQFHOOHGDQGDUHSODFHPHQWZLOOEHVWDUWHG6HHSDJH
3ULQWKHDG5HPRYDO,I\RXVD\12WKHSULQWHUZLOOFRQWLQXHSULQWLQJ

1H[WWLPH\RXSULQWWKHVDPHPHVVDJHZLOODSSHDUXQWLO\RXVHOHFW<(6 5HSODFH 


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG6WDWXV0HVVDJHV

0RQLWRU

:KHQWKLVPHVVDJHLVGLVSOD\HGLWPHDQVWKDWWKHSULQWKHDGKDVUHDFKHGLWVOLIH
,QN6\VWHP2SWLRQV
H[SHFWDQF\
3ULQWKHDG,QIR 127(3ULQWKHDGOLIHLVDQWLFLSDWHGWREHPORUWZHOYHPRQWKVLQWKHSULQWHU
ZKLFKHYHURFFXUVILUVWSURYLGHGWKDWWKHSULQWKHDGLVXVHGXQGHUQRUPDORSHUDWLQJ
FRQGLWLRQV XVLQJ+3LQNFDUWULGJHVRQO\ DQGLWV³LQVWDOOEHIRUHGDWH´KDVQRWODSVHG
+RZHYHUUHVXOWVYDU\GHSHQGLQJRQWKHSULQWTXDOLW\VHWWLQJ\RXXVH7KHSULQWHUZLOO
DWWHPSWWRZDUQ\RXZKHQWKLVVWDJHLVUHDFKHGZLWKWKHPRQLWRUPHVVDJH

7RILQGRXWKRZWRVHHWKHDPRXQWRILQNFRQVXPHGE\WKHSULQWKHDGDQGWKH
XVDJHWLPHJRWRSDJH2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ

(YHQZLWKWKHPRQLWRUPHVVDJHEHLQJGLVSOD\HG\RXPD\VWLOOREWDLQJRRGLPDJH
TXDOLW\EXWLWFRXOGVWDUWGHJUDGLQJ/RRNDWWKHLPDJHV\RXDUHUHFHLYLQJDQG
GHFLGHLIWKH\DUHRIDQDFFHSWDEOHSULQWTXDOLW\

,I\RXZDQWWRHQVXUHRSWLPXPSULQWTXDOLW\ZLWKPD[LPXPXQDWWHQGHGQHVV\RX
VKRXOGFRQVLGHUEX\LQJDQHZSULQWKHDGDQGUHSODFLQJWKHROGSULQWKHDGZLWKDQHZ
RQH

5HVHDW

7KHSULQWKHDGKDVPRYHGVOLJKWO\DQGLVQRWPDNLQJJRRGHOHFWULFDOFRQWDFWZLWKWKH
FDUULDJHDVVHPEO\5HVHDWWKHSULQWKHDGLQWRWKHFRUUHFWSRVLWLRQ7KLVVLWXDWLRQ
PXVWEHFRUUHFWHGEHIRUHWKHSULQWHUZLOORSHUDWH)RUPRUHKHOSVHHSDJH
3ULQWKHDG5HPRYDORUJRWRWURXEOHVKRRWLQJVHHSDJH3UREOHPVUHVHDWLQJ
WKHSULQWKHDG

)DLOHG

7KLVPHVVDJHJHQHUDOO\LQGLFDWHVWKDWWKHSULQWKHDGPXVWEHUHSODFHG+RZHYHUWKLV
SUREOHPPD\EHFRUUHFWHGE\UHVHDWLQJWKHSULQWKHDG6HHSDJH3UREOHPV
UHVHDWLQJWKHSULQWKHDG,IE\UHVHDWLQJWKHSULQWKHDGWKHIDLOHGPHVVDJHGLVDSSHDUV
EXWWKHQUHDSSHDUVODWHUFKDQJHWKHSULQWKHDG7KLVVLWXDWLRQPXVWEHFRUUHFWHG
EHIRUHWKHSULQWHUZLOORSHUDWH

:URQJ0RGHO

7KHSULQWHUGRHVQRWUHFRJQL]HWKHSULQWKHDGRUSULQWKHDGFOHDQHUWKDW\RXKDYH
LQVHUWHGLQWRWKHSULQWHU<RXZLOOKDYHWRUHPRYHLWEHIRUHWKHSULQWHUFDQFRQWLQXH


:RUNLQJZLWK+31R6XSSOLHV
7KH,QN6\VWHP0HQX6WUXFWXUH

7KH,QN6\VWHP0HQX6WUXFWXUH
7KHLQNV\VWHPPHQXKDVLQIRUPDWLRQRQKRZWRUHPRYHDQGUHSODFHWKH+31R
VXSSOLHV,QDGGLWLRQWRWKLVLWDOVRVXSSOLHV\RXPRUHJHQHUDOLQIRUPDWLRQRQWKH+3
1RVXSSOLHV
,QNFDUWULGJHLQIR

5HSODFHSULQWKHDGV

,QNFDUWULGJHLQIR

5HSODFHLQNFDUWULGJHV

,QNFDUWULGJHLQIR

,QNFDUWULGJHLQIR ,QNFDUWULGJHLQIR

3ULQWKHDGLQIR 3ULQWKHDGLQIR

3ULQWKHDGLQIR

3ULQWKHDGLQIR

3ULQWKHDGLQIR


:RUNLQJZLWK+31R6XSSOLHV
2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ


2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ
 7RJHWLQIRUPDWLRQRQ\RXULQNFDUWULGJHVSUHVVWKH7RSNH\RQWKHIURQWSDQHOWRJR
WRWKHPDLQPHQX

5HDG\

,QN
CYAN 9HU\/RZ
MAGENTA
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOGLVSOD\VWKHLQNV\VWHPPHQX3UHVV
(QWHU

5HDG\

,QN
CYAN
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWV³,QN&DUWULGJHLQIR´3UHVVWKH
(QWHUNH\
,QN6\VWHPRSWLRQV

5HSODFHSULQWKHDG
5HSODFH,QNFDUWULGJH
,QNFDUWULGJHLQIR
3ULQWKHDGLQIR


:RUNLQJZLWK+31R6XSSOLHV
2EWDLQLQJ,QN&DUWULGJH,QIRUPDWLRQ
 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWVWKHFRORUWKDW\RXZDQWWRVHH
LQIRUPDWLRQRQ3UHVVWKH(QWHUNH\
,QN6\VWHPRSWLRQV

&\DQFDUWLQIR
0DJHQWDFDUWLQIR
<HOORZFDUWLQIR
%ODFNFDUWLQIR

 7KHIURQWSDQHOGLVSOD\VLQIRUPDWLRQRQWKHVHOHFWHGLQNFDUWULGJH
&\DQFDUWLQIR
+31RLQNFDUWULGJH
,QNOHYHO 
&DSDFLW\ PO
3DUWQXPEHU &$
0IJPRQWK 

7KHLQIRUPDWLRQVXSSOLHGLV
■ 7KHPDNHRIWKHLQNFDUWULGJH +31RDUHUHFRPPHQGHG
■ 7KHSHUFHQWDJHRIKRZPXFKLQNLVUHPDLQLQJ
■ 2ULJLQDOFDSDFLW\RIWKHLQNFDUWULGJHLQPLOOLOLWHUV
■ 5HRUGHUSDUWQXPEHURIWKHLQNFDUWULGJH
■ 7KHPRQWKDQG\HDUWKDWWKHLQNFDUWULGJHZDVPDQXIDFWXUHG


:RUNLQJZLWK+31R6XSSOLHV
2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ


2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ
 7RJHWLQIRUPDWLRQRQ\RXUSULQWKHDGVSUHVVWKH7RSNH\RQWKHIURQWSDQHOWRJRWR
WKHPDLQPHQX

5HDG\

,QN
CYAN 9HU\/RZ
MAGENTA
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOGLVSOD\VWKHLQNV\VWHPPHQX3UHVV
(QWHU

5HDG\

,QN
CYAN ,QN6\VWHP0HQX
0$*(17$
<(//2:
%/$&.

 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWV³3ULQWKHDGLQIR´3UHVVWKH
(QWHUNH\
,QN6\VWHPRSWLRQV

5HSODFHSULQWKHDG
5HSODFH,QNFDUWULGJH
,QNFDUWULGJHLQIR
3ULQWKHDGLQIR


:RUNLQJZLWK+31R6XSSOLHV
2EWDLQLQJ3ULQWKHDG,QIRUPDWLRQ
 3UHVVWKH↑RU↓ NH\XQWLOWKHIURQWSDQHOKLJKOLJKWVWKHFRORUWKDW\RXZDQWWRVHH
LQIRUPDWLRQRQ3UHVVWKH(QWHUNH\
3ULQWKHDGLQIR

&\DQSULQWKHDGLQIR
0DJHQWDSULQWKHDGLQIR
<HOORZSULQWKHDGLQIR
%ODFNSULQWKHDGLQIR

 7KHIURQWSDQHOGLVSOD\VLQIRUPDWLRQRQWKHVHOHFWHGSULQWKHDG
&\DQSULQWKHDGLQIR
+31RSULQWKHDG
6WDWXV 2.
3DUW1XPEHU &$:
8VDJHWLPH K
,QNFRQVXPHG PO
0IJPRQWK 

7KHLQIRUPDWLRQVXSSOLHGLV
■ 7KHPDNHRIWKHSULQWKHDGV +31RDUHUHFRPPHQGHG
■ 7KHFXUUHQWVWDWXVRIWKHSULQWKHDG
■ 5HRUGHUSDUWQXPEHURIWKHSULQWKHDG
■ 7KHWLPHWKDWWKHSULQWKHDGKDVEHHQRSHUDWLQJLQWKHSULQWHU
■ +RZPXFKLQNKDVEHHQFRQVXPHGE\WKHSULQWKHDG1RWH,WLVSRVVLEOHIRUD
SULQWKHDGWRFRQVXPHPRUHWKDQRQHLQNFDUWULGJH
■ 7KH\HDUDQGWKHPRQWKWKDWWKHSULQWKHDGZDVPDQXIDFWXUHG


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH5HPRYDO


,QN&DUWULGJH5HPRYDO
&$87,21 2QO\UHPRYHDQLQNFDUWULGJHLI\RXDUHUHSODFLQJLW6HHSDJH:KHQ6KRXOG
<RX5HSODFHWKH+31R6XSSOLHV"

7KHUHDUHWZRW\SHVRILQNFDUWULGJHUHPRYDO
■ 7KHLQNFDUWULGJHLVHPSW\DQGWKHIURQWSDQHOWHOOV\RXWRUHSODFHWKHLQN
FDUWULGJH*RGLUHFWO\WRVWHSILYH
■ 7KHLQNFDUWULGJHLVYHU\ORZDQG\RXZDQWWRUHSODFHWKHLQNFDUWULGJHEHIRUHLW
EHFRPHVHPSW\*RGLUHFWO\WRVWHSRQH
 3UHVVWKH7RSNH\RQWKHIURQWSDQHOWRJRWRWKHPDLQPHQX

5HDG\

,QN
CYAN 9HU\/RZ
MAGENTA
<(//2:
%/$&.

 6HOHFWWKH,QN6\VWHP0HQXRQWKHIURQWSDQHOE\XVLQJWKH↑DQG↓NH\VDQGWKHQ
SUHVVWKH(17(5NH\

5HDG\

,QN
CYAN 9HU\/RZ ,QN6\VWHP0HQX
MAGENTA
<(//2:
%/$&.


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH5HPRYDO
 3UHVVWKH↑DQG↓NH\VXQWLO³5HSODFH,QNFDUWULGJH´LVVHOHFWHG3UHVV(QWHU

,QN6\VWHPRSWLRQV

5HSODFHSULQWKHDG
5HSODFH,QNFDUWULGJH
,QNFDUWULGJHLQIR
3ULQWKHDGLQIR

 6HOHFW³\HV UHSODFH ´DVVKRZQEHORZDQGSUHVV(QWHU


:DUQLQJ,QNFDUWULGJHV
DUHVWLOOIXQFWLRQDO
,I\RXZDQWWRUHSODFH
DQ\SOHDVHVHOHFW<(6
<HV UHSODFH
1R FRQWLQXH

 7KHIURQWSDQHOGLVSOD\VHLWKHURIWKHPHVVDJHGLVSOD\VVKRZQEHORZGHSHQGLQJRQ
KRZWKHLQNFDUWULGJHUHSODFHPHQWZDVLQLWLDWHGE\WKHSULQWHU EHFDXVHLW¶VHPSW\ 
RUE\\RX

7KLVLVGLVSOD\HGLI\RX 7KLVLVGLVSOD\HGLIWKHSULQWHU
LQLWLDWHGDQLQNFDUWULGJHUHSODFHPHQW LQLWLDWHGDQLQNFDUWULGJHUHSODFHPHQW

5HPRYHLQNFDUWULGJHE\ 5HSODFHLQNFDUWULGJH
SXVKLQJLWLQDQGXS
,QN
CYAN (PSW\
MAGENTA
<(//2:
%/$&.

LQNFDUWULGJHV\PERO


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH5HPRYDO

 5HPRYHWKHFRUUHVSRQGLQJFRORULQNFDUWULGJHE\SXVKLQJWKHGLPSOHGUHFHVVLQWKH
LQNFDUWULGJHLQZDUGDQGXSZDUGDVLQGLFDWHGE\WKHDUURZVKRZQEHORZ7KLV
UHOHDVHVWKHLQNFDUWULGJH\RXFDQWKHQSXOOLWRXWKRUL]RQWDOO\

&

127($YRLGWRXFKLQJWKHHQGRILQNFDUWULGJHZKLFKLVLQVHUWHGLQWRWKHSULQWHUDV
WKHUHPD\EHLQNRQWKHFRQQHFWLRQ

&


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH,QVWDOODWLRQ

,QN&DUWULGJH,QVWDOODWLRQ
127((DFKLQNFDUWULGJHVORWKDVDFRORUHGODEHODERYHLW7KLVVKRXOGPDWFKWKH
FRORUHGODEHORQWKHQHZLQNFDUWULGJH

 3LFNXSWKHQHZLQNFDUWULGJHDQGILQGWKHODEHOLGHQWLI\LQJWKHLQNFRORU+ROGWKH
LQNFDUWULGJHVRWKDW\RXFDQVHHWKHLGHQWLI\LQJFRORUHGODEHODWWKHWRSRIWKHVLGH
IDFLQJ\RX
 ,QVHUWWKHLQNFDUWULGJHLQWRWKHLQNFDUWULGJHVORWODEHOOHGZLWKWKHVDPHFRORU

&RORULGHQWLILHU
DWWKHWRSRIWKH
,QN&DUWULGJH &

127(7KHLQNFDUWULGJHLVGHVLJQHGWRSUHYHQW\RXIURPLQVHUWLQJLWXSVLGHGRZQ
RULQWRWKHZURQJFRORUVORW,I\RXKDYHGLIILFXOW\LQVHUWLQJWKHLQNFDUWULGJHGRQRW
DWWHPSWWRIRUFHLW&KHFNDJDLQWKDWWKHFRORURIWKHLQNFDUWULGJHPDWFKHVWKHFRORU
RIWKHLQNFDUWULGJHVORWDOVRWKDWWKHFRORUHGPDUNHULVDWWKHWRSRIWKHLQNFDUWULGJH

 6OLGHWKHLQNFDUWULGJHLQWRWKHVORWXQWLO\RXIHHOVRPHUHVLVWDQFHDQGVWRS


:RUNLQJZLWK+31R6XSSOLHV
,QN&DUWULGJH,QVWDOODWLRQ

 3UHVVILUPO\ZLWKRQHILQJHUXVLQJWKHGLPSOHGUHFHVVRQWKHIURQWRIWKHLQN
FDUWULGJHLQZDUGVDQGWKHQGRZQZDUGVDVLQGLFDWHGE\WKHDUURZVKRZQEHORZ
XQWLOWKHLQNFDUWULGJHFOLFNVLQWRSODFH

JET
HP DESIGN0 C
105

&

 7KHIURQWSDQHOGLVSOD\V
,1.&$57$&&(66
+31R  ,QN
FDUWULGJHV
VXFFHVVIXOO\,QVWDOOHG
3UHVV(17(5WRFRQWLQXH

 3UHVVWKH(QWHUNH\WRFRQWLQXH
127($YRLGVWRULQJSDUWLDOO\XVHGLQNFDUWULGJHVRQWKHLUHQGV


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG5HPRYDO

3ULQWKHDG5HPRYDO
,IWKHSULQWHUGHWHUPLQHVWKDWDSULQWKHDGZLOOQRORQJHUSURYLGHWKHGHVLUHGSULQW
TXDOLW\DZDUQLQJPHVVDJHZLOOEHGLVSOD\HGDGYLVLQJ\RXWRUHSODFHWKHSULQWKHDG
6HHSDJH0HVVDJH'HVFULSWLRQVDQG$FWLRQVDQGSDJH:KHQ6KRXOG<RX
5HSODFHWKH+31R6XSSOLHV"

5HDG\

3ULQWKHDG
CYAN Replace
0$*(17$ 2.
<(//2: 2.
%/$&. 2.

3ULQWKHDGUHSODFHPHQWPXVWEHSHUIRUPHGZLWKWKHSULQWHUVZLWFKHGRQDWERWKWKH
3RZHU,VRODWLRQ6ZLWFKDQGWKHIURQWSDQHO2Q2IISXVKEXWWRQ
 3UHVVWKH723NH\RQWKHIURQWSDQHOWRJRWRWKHPDLQPHQX
 6HOHFWWKH,QN6\VWHP0HQXRQWKHIURQWSDQHOE\XVLQJWKH↑DQG↓NH\VDQGWKHQ
SUHVVWKH(17(5NH\

5HDG\

3ULQWKHDG
CYAN Replace
0$*(17$ 2. ,QN6\VWHP0HQX

<(//2: 2.
%/$&. 2.

 6HOHFWWKH³5HSODFHSULQWKHDG´RSWLRQDQGSUHVVWKH(17(5NH\
,1.6<67(0237,216

5HSODFHSULQWKHDG
5HSODFHLQNFDUWULGJH
,QNFDUWULGJHLQIR
3ULQWKHDGLQIR


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG5HPRYDO

127(7KHIURQWSDQHOZLOOSURPSW\RXWROLIWWKHZLQGRZDQGDFFHVVSULQWKHDGV
ZLWKD³%((3´DQGDIURQWSDQHOPHVVDJH

 /LIWWKHZLQGRZDQGORFDWHWKH&DUULDJH$VVHPEO\

:LQGRZ

&DUULDJH

3
2
1

T
HP DESIGNJEC
1050

M
C

4
3

&

 3XOOXSDQGUHOHDVHWKHODWFKRQWRSRIWKHFDUULDJHDVVHPEO\ DVLQGLFDWHGE\WKH
DUURZ 

&


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG5HPRYDO
 /LIWXSWKHFRYHU DVLQGLFDWHGE\WKHDUURZ 7KLVZLOOQRZJLYH\RXDFFHVVWRWKH
SULQWKHDGV

B
Y
M
C

&D

 7RUHPRYHDSULQWKHDGOLIWXSWKHEOXHKDQGOH

&D

 3ODFH\RXULQGH[ILQJHUWKURXJKWKHORRSRIWKHEOXHKDQGOH

&F


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG5HPRYDO

 :LWKFRQWUROOHGSUHVVXUHSXOOWKHEOXHKDQGOHXSZDUGXQWLOWKHSULQWKHDGLVUHOHDVHG
IURPWKHFDUULDJHDVVHPEO\

&D

 :KHQ\RXUHPRYHWKHSULQWKHDGFKHFNWKHVORWWKDW\RXUHPRYHGLWIURP,I\RX
QRWLFHWKHHOHFWULFDOFRQWDFWVDUHGLUW\FOHDQWKHPXVLQJWKHSURFHGXUHRQSDJH
&DUULDJH,QWHUFRQQHFW:LSHU
127()RULQIRUPDWLRQRQGLVSRVLQJRIWKHROGSULQWKHDGVHHSDJH


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG,QVWDOODWLRQ

3ULQWKHDG,QVWDOODWLRQ
 5HPRYHWKHEOXHSURWHFWLYHFDSE\SXOOLQJGRZQRQLW
 5HPRYHWKHFOHDUSURWHFWLYHWDSHIURPWKHSULQWKHDG¶VQR]]OHVE\SXOOLQJRQWKH
SDSHUWDE
127(0DNHVXUHWKDWDOOWKHWDSHKDVEHHQUHPRYHG

%OXH
3URWHFWLYH
&DS

&

127(7KHSULQWKHDGLVGHVLJQHGWRSUHYHQW\RXIURPDFFLGHQWDOO\LQVHUWLQJLWLQWR
WKHZURQJSRVLWLRQ&KHFNWKDWWKHFRORUHGODEHORQWKHSULQWKHDGPDWFKHVWKHFRORUHG
ODEHORIWKHFDUULDJHDVVHPEO\SRVLWLRQWKDWWKHSULQWKHDGLVWREHLQVHUWHGLQ

 ,QVHUWWKHQHZSULQWKHDGLQWRWKHFRUUHFWFDUULDJHDVVHPEO\SRVLWLRQ


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG,QVWDOODWLRQ

 3XVKGRZQLQWKHGLUHFWLRQLQGLFDWHGE\WKHDUURZVKRZQEHORZ

&

 :KHQLQVWDOOLQJWKHQHZSULQWKHDGWKHUHPD\EHVRPHUHVLVWDQFHVR\RXQHHGWR
SUHVVLWGRZQILUPO\EXWVPRRWKO\2QO\ZKHQDOOWKHSULQWKHDGVKDYHEHHQLQVHUWHG
FRUUHFWO\DQGDFFHSWHGE\WKHSULQWHUZLOOWKHSULQWHU³%((3´

&


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG,QVWDOODWLRQ
127(,IWKHSULQWHUGRHVQRW³EHHS´ZKHQ\RXLQVHUWWKHSULQWKHDGDQGWKH5HVHDW´
RU ³)DLOHG´ PHVVDJH DSSHDUV RQ WKH IURQW SDQHO WKH SULQWKHDG PD\ QHHG WR EH
UHDVHDWHG IRU PRUH LQIRUPDWLRQ UHIHU WR SDJH  3UREOHPV UHVHDWLQJ WKH
SULQWKHDG

 $IWHUUHSODFLQJWKHSULQWKHDGVVXFFHVVIXOO\WKHIURQWSDQHOZLOOSURPSW\RXWRFORVH
WKHFRYHURQWKHFDUULDJHDQGORZHUWKHZLQGRZ
35,17+($'$&&(66

$OOSULQWKHDGV2.
&ORVHFRYHUDQG
ZLQGRZWRFRQWLQXH

 7KHIURQWSDQHOZLOOQRZSURPSW\RXWRUHSODFHWKHSULQWKHDGFOHDQHU

35,17+($'$&&(66

2SHQULJKWGRRUWR
DFFHVVSULQWKHDG
FOHDQHUV

 1RZUHSODFHWKHROGSULQWKHDGFOHDQHU

&$87,21 /HDYLQJ WKH ROG SULQWKHDG FOHDQHU LQ WKH SULQWHU ZLOO VKRUWHQ WKH QHZ
SULQWKHDG¶VOLIHDQGSRVVLEO\GDPDJHWKHSULQWHU


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG&OHDQHU5HPRYDO


3ULQWKHDG&OHDQHU5HPRYDO
:KHQUHPRYLQJWKHSULQWKHDGFOHDQHUV
■ %HFDUHIXOQRWWRJHWLQNRQ\RXUKDQGV7KHUHPD\EHLQNRQDURXQGDQGLQVLGH
WKHUHSODFHGSULQWKHDGFOHDQHU
■ 'RQRWOD\WKHUHSODFHGSULQWKHDGFOHDQHURQLWVVLGHRUWXUQLWXSVLGHGRZQDV
LQNPD\OHDNRXW
■ $OZD\VKDQGOHDQGVWRUHWKHUHSODFHGSULQWKHDGFOHDQHUXSULJKWWRDYRLGVSLOOLQJ
DQ\LQN
 $IWHUUHSODFLQJDSULQWKHDGWKHIURQWSDQHOZLOOSURPSW\RXWRUHSODFHWKHSULQWKHDG
FOHDQHU

35,17+($'$&&(66

2SHQULJKWGRRUWR
DFFHVVSULQWKHDG
FOHDQHUV

 7KHSULQWKHDGFOHDQHUVDUHORFDWHGLQWKHVORWVEHKLQGWKHVHUYLFHVWDWLRQGRRUDWWKH
IURQWRIWKHSULQWHU

&


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG&OHDQHU5HPRYDO
 2SHQWKHVHUYLFHVWDWLRQGRRUWRDFFHVVWKHSULQWKHDGFOHDQHUV

&

 :KHQWKHGRRUKDVEHHQRSHQHGWKHIURQWSDQHOGLVSOD\V

5HSODFHFOHDQHU
&ORVHGRRUZKHQGRQH
&OHDQHUV
CYAN Replace
0$*(17$ 2.
<(//2: 2.
%/$&. 2.

 (DFKSULQWKHDGFOHDQHUKDVDKDQGOHRQWKHIURQW7RUHPRYHSUHVVLQZDUGDQG
XSZDUGDVLQGLFDWHGE\WKHDUURZVKRZQEHORZXQWLOWKHSULQWKHDGFOHDQHULV
UHOHDVHG

&


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG&OHDQHU5HPRYDO

 /LIWWKHSULQWKHDGFOHDQHUXSWRUHPRYHLWIURPWKHVHUYLFHVWDWLRQDQGVOLGHWKH
SULQWKHDGFOHDQHURXWKRUL]RQWDOO\DVVKRZQEHORZ

&

&$87,21 :KHQ UHSODFLQJ D SULQWKHDG DOZD\V UHSODFH WKH FRUUHVSRQGLQJ SULQWKHDG


FOHDQHU/HDYLQJWKHROGSULQWKHDGFOHDQHULQWKHSULQWHUZLOOVHULRXVO\VKRUWHQ
WKHQHZSULQWKHDG¶VOLIHDQGSRVVLEO\GDPDJHWKHSULQWHU

 7RGLVSRVHRIWKHROGSULQWKHDGDQGWKHROGSULQWKHDGFOHDQHUUHIHUWRWKHQH[WSDJH
3ULQWKHDG&OHDQHU,QVWDOODWLRQ


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG&OHDQHU,QVWDOODWLRQ

3ULQWKHDG&OHDQHU,QVWDOODWLRQ
7KHSODVWLFEDJLQZKLFKWKHQHZSULQWKHDGFOHDQHUFRPHVLQFDQEHXVHGWRGLVSRVH
RIWKHROGSULQWKHDGDQGSULQWKHDGFOHDQHU)ROORZWKHLQVWUXFWLRQVRQWKHEDFNRI
WKHEDJ

1 2 3

&

 ,QVHUWHDFKSULQWKHDGFOHDQHULQWRWKHFRUUHFWFRORUVORWORFDWLRQLQWKHVHUYLFH
VWDWLRQLQWKHGLUHFWLRQLQGLFDWHGE\WKHDUURZVKRZQEHORZ

&


:RUNLQJZLWK+31R6XSSOLHV
3ULQWKHDG&OHDQHU,QVWDOODWLRQ

 :KHQWKHSULQWKHDGFOHDQHUKDVEHHQSXVKHGDOOWKHZD\LQSUHVVLQZDUGVDQG
GRZQZDUGVDVLQGLFDWHGE\WKHDUURZVKRZQEHORZXQWLOLWFOLFNVLQWRSODFH7KH
IURQWSDQHOZLOOQRWUHJLVWHUWKHQHZSULQWKHDGFOHDQHUXQWLOWKHVHUYLFHVWDWLRQGRRU
LVFORVHG

&

 :KHQ\RXKDYHLQVHUWHGWKHSULQWKHDGFOHDQHULQWRWKHVHUYLFHVWDWLRQFORVHWKH
GRRU

&

127(7KHSULQWHUQHHGVDOOWKHSULQWKHDGVDQGSULQWKHDGFOHDQHUVLQVWDOOHGEHIRUH
LWFDQFRQWLQXH

 ,ISDSHULVQRWORDGHGWKHIURQWSDQHOZLOOLQVWUXFW\RXWRORDGWKHSDSHU5HIHUWR
SDJH$IWHU5HSODFLQJD3ULQWKHDGDQG3ULQWKHDG&OHDQHU


:RUNLQJZLWK+31R6XSSOLHV
$IWHU5HSODFLQJD3ULQWKHDGDQG3ULQWKHDG&OHDQHU

$IWHU5HSODFLQJD3ULQWKHDGDQG3ULQWKHDG&OHDQHU
$IWHU\RXUHSODFHDSULQWKHDGDQGSULQWKHDGFOHDQHUWKHSULQWHUZLOO
■ SHUIRUPWHVWVRQWKHSULQWKHDGQR]]OHVWRHQVXUHFRUUHFWRSHUDWLRQ
■ DOLJQWKHSULQWKHDGV

)RUPRUHLQIRUPDWLRQRQWKHSULQWKHDGDOLJQPHQWVHHSDJH$OLJQLQJWKH
3ULQWKHDGV

/RDGSDSHUIROORZLQJWKHGLUHFWLRQVLQFKDSWHU/RDGLQJ5ROO3DSHU7KH
DOLJQPHQWSURFHGXUHUHTXLUHVDQ$RU'VL]HSDSHUZLGWK$Q$RU&VL]HFXW
VKHHWSDSHUFDQRQO\EHDFFHSWHGLIORDGHGLQWKHODQGVFDSHSRVLWLRQ<RXFDQORDG
PRVWRIWKH+3VXSSRUWHGSDSHUVWRSHUIRUPWKHSULQWKHDGDOLJQPHQWSURFHGXUH
KRZHYHUQDWXUDOWUDFLQJSDSHUZLOOQRWZRUN9HOOXPFDQEHXVHGEXWLWLVQRW
UHFRPPHQGHG

:KHQWKHIURQWSDQHOGLVSOD\V5HDG\\RXDUHUHDG\WRSULQW
127(0DNHVXUHWKHSULQWHUZLQGRZDQGWKHULJKWGRRUDUHFORVHGDIWHU\RXUHSODFH
WKH+31RVXSSOLHV7KHSULQWHUZLOOQRWSULQWZKLOHWKHVHDUHRSHQ

127(,IDIWHULQVWDOOLQJWKH+31RVXSSOLHV\RXH[SHULHQFHSUREOHPVVHHSDJH
6ROYLQJ+31R6XSSOLHV3UREOHPV




&RQWUROOLQJWKH3DJH
)RUPDW


3DJH)RUPDW 
3DJHDQG,PDJH6L]H$FFXUDF\ 
$GMXVWLQJ0DUJLQV 
5RWDWLQJDQ,PDJH 3RVW6FULSW 
3ULQWLQJD0LUURU,PDJH 
&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH 


&RQWUROOLQJWKH3DJH)RUPDW
3DJH)RUPDW

3DJH)RUPDW
7KLVFKDSWHUH[SODLQVKRZWRPDNHVXUHWKDWWKHSULQWHUSURGXFHV\RXUSULQWLQWKH
SDJHIRUPDW\RXZDQW

3DJH6L]H

0DUJLQ

3ULQWLQJDUHD

,QNHGDUHD

C4704042

3DJHVL]H 3DJHVL]HFDQEHVSHFLILHGIURPWKHIURQWSDQHORULQWKHVRIWZDUHZKHUHLWPD\EH
FDOOHG³3DJH6L]H´³0HGLD6L]H´³3DSHU6L]H´HWFDQGZKHUHWKHRSWLRQVLQFOXGH
IRUH[DPSOH,62$$16,/HWWHU&XVWRP,I\RXUVRIWZDUHGRHVQRWGHILQHWKH
SDJHVL]HLQWKHSULQWILOHWKHIURQWSDQHOVHWWLQJLVXVHG2WKHUZLVHWKHVRIWZDUH
VHWWLQJRYHUULGHVWKHIURQWSDQHOVHWWLQJ

&0 127(7KHUHLVRQHH[FHSWLRQWRWKHDERYH,IWKHIURQWSDQHOVHWWLQJLV,QNHGDUHD
DQG\RXDUHVHQGLQJD3RVW6FULSWILOHWKHIURQWSDQHOVHWWLQJLVXVHG6HHSDJH


&RQWUROOLQJWKH3DJH)RUPDW
 3DJH)RUPDW
0DUJLQV )RUDUROORISDSHUWKHQRUPDOVHWWLQJIRUVLGHPDUJLQVPP7KHVHFDQEHDGMXVWHG
KRZHYHUWRVXLW\RXUUHTXLUHPHQWV6HHSDJH$GMXVWLQJ0DUJLQV

&$87,21 ,I\RXDUHSULQWLQJLPDJHVZLWKLQWHQVHFRORUWKDWUHTXLUHODUJHDPRXQWVRILQN
LWLVVWURQJO\UHFRPPHQGHGWKDW\RXDYRLGOLJKWZHLJKWSDSHUVVXFKDV+3%ULJKW
ZKLWHLQNMHWRUFRDWHGSDSHUVDQGRULQFUHDVHWKHPDUJLQV/LJKWZHLJKWSDSHUV
DUH QRW GHVLJQHG WR DEVRUE ODUJH DPRXQWV RI LQN DQG PD\ ZULQNOH VHYHUHO\
ULVNLQJFRQWDFWZLWKWKHSULQWKHDGVDQGVRSRWHQWLDOGDPDJHWRWKHP6HHWKH
WDEOHZKLFKVWDUWVRQSDJHWRVHOHFWWKHFRUUHFWSDSHUW\SHDQGVHHSDJH
RQFKDQJLQJWKHPDUJLQVVHWWLQJVWRH[WHQGHGZKLFKDOVRKHOSVWRHOLPLQDWHWKH
ULVNRIWKHSULQWKHDGVFRPLQJLQWRFRQWDFWZLWKWKHSDSHU

3ULQWLQJDUHD 3ULQWLQJDUHDLVWKHSDJHVL]HPLQXVWKHPDUJLQV)RUDWDEOHVKRZLQJWKHSULQWLQJ
DUHDVIRUVWDQGDUGSDSHUVL]HVVHHSDJH3ULQWLQJ$UHD 3DSHU6L]H0LQXV
0DUJLQV 

,QNHGDUHD ,QNHGDUHDLVWKHVPDOOHVWUHFWDQJOHWKDWFRQWDLQVWKHHQWLUHLPDJH

'R<RX1HHGWR$GMXVWWKH3DJH6L]HLQWKH)URQW3DQHO"
7KHDQVZHULVQRUPDOO\QREHFDXVHWKHSDJHVL]H\RXKDYHVHOHFWHGLQ\RXU+3
GULYHURYHUULGHVWKHSDJHVL]HVHOHFWHGLQWKHSULQWHU+RZHYHUVRPHRIWKH
FLUFXPVWDQFHVLQZKLFK\RXPD\ZDQWWRFKDQJHWKHGHIDXOWVHWWLQJDUH

&0 n :KHQ\RXDUHXVLQJWKH366FDOH→)LWWRSDJHIHDWXUH6HHSDJH
&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH
n :KHQ\RXDUHQRWXVLQJRQHRIWKH+3GULYHUVVXSSOLHGZLWK\RXUSULQWHUIRU
H[DPSOHLI\RXDUHVHQGLQJD3RVW6FULSWILOHIURPD81,;DSSOLFDWLRQ
n :KHQ\RXZDQWWRVDYHSDSHUE\SULQWLQJRQO\WKHLQNHGDUHDRI\RXUSULQW
SOXVWKHPDUJLQV,QWKLVFDVHVHW3DJHIRUPDW6L]HWR,QNHGDUHD

'HSHQGLQJRQWKHGULYHU\RXDUHXVLQJ\RXPD\QRWQHHGWRFKDQJHWKHSDJHVL]HLQ
WKHIURQWSDQHO7KHGHIDXOW6L]HVHWWLQJ 6RIWZDUH LQWKH3DJH)RUPDWPHQXFDXVHV
WKHSULQWHUWRORRNIRUWKHSDJHVL]HLQIRUPDWLRQLQWKHSULQWILOHLILWLVWKHUHWKH
SULQWHUXVHVLW

+RZHYHUVRPHRIWKHFLUFXPVWDQFHVLQZKLFK\RXPD\ZDQWWRFKDQJHWKHGHIDXOW
VHWWLQJDUH
n ,I\RXZDQWWRSULQWWKHLQNHGDUHDRQO\EXWWKHGULYHU\RXDUHXVLQJGRHVQRW
VSHFLI\³,QNHGDUHD´


&RQWUROOLQJWKH3DJH)RUPDW
3DJH)RUPDW
,QWKLVFDVHVHWWKH6L]HVHWWLQJLQWKH3DJHIRUPDWPHQXWR,QNHGDUHD

,I\RXFDQVHOHFW,QNHGDUHDIURP\RXUGULYHUDQ\VHOHFWLRQ\RXKDYHPDGHLQWKH
IURQWSDQHOPHQXZLOOEHRYHUULGGHQE\WKHVHWWLQJVLQWKHGULYHU
n :KHQWKHSULQWV\RXDUHFUHDWLQJQHHGWREHRIDVSHFLILFVWDQGDUG IRUH[DPSOH
,62RU$16, EXWWKHDFWXDOVL]HZLWKLQWKDWVWDQGDUGLVQRWLPSRUWDQW)RU
H[DPSOH\RXUSDJHVL]HPD\QHHGWRFRQIRUPWRDVWDQGDUG,62SDJHVL]HEXWLW
GRHVQRWPDWWHUZKHWKHUWKHILQDOSDJHVL]HLV,62$RU,62$
,QWKLVFDVHVHW3DJHIRUPDW6L]HWR,62±!%HVWRU$16,±!%HVWHWF7KH
SULQWHUXVHVWKHVPDOOHVWVWDQGDUGVL]HLQWRZKLFKWKHLQNHGDUHDZLOOILW


&RQWUROOLQJWKH3DJH)RUPDW
 3DJH)RUPDW

$GMXVWLQJWKH3DJH6L]HLQWKH)URQW3DQHO

&0 3RVW6FULSW)LOHV

8QOHVV\RXDUHXVLQJWKHIURQWSDQHO366FDOH→)LWWRSDJHRSWLRQ VHHSDJH
&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH WKHIURQWSDQHOSDJHVL]HVHWWLQJVKDYH
QRHIIHFWRQ3RVW6FULSWILOHVWKDWDOUHDG\FRQWDLQSDJHVL]HLQIRUPDWLRQZKLFK
LQFOXGHVDOO3RVW6FULSWILOHVVHQWXVLQJRQHRIWKH+3'HVLJQ-HW3RVW6FULSWGULYHUV
VXSSOLHGZLWKWKLVSULQWHU

,I\RXDUHXVLQJWKHIURQWSDQHO366FDOH→)LWWRSDJHRSWLRQWKHQWKHSULQWHUXVHV
WKHSDJHVL]HVHWLQWKHSULQWHU
VIURQWSDQHODVIROORZV
n ,IWKHSDJHVL]HLVVHWWRDGLVFUHWHVL]HLWXVHVWKHVSHFLILHGSDJHVL]H
n ,IWKHSDJHVL]HLVVHWWR6RIWZDUHWKHSULQWHUFDOFXODWHVWKHSDJHZLGWKDVWKH
ZLGWKRIWKHORDGHGSDSHUDQGWKHSDJHOHQJWKDVWLPHVWKHZLGWKRIWKH
ORDGHGSDSHU
n ,IWKHSDJHVL]HLVVHWWR,QNHGDUHDWKHSULQWHUFDOFXODWHVWKHSDJHZLGWKDVWKH
ZLGWKRIWKHORDGHGSDSHUDQGWKHSDJHOHQJWKDVWKHKHLJKWRIWKHLQNHGDUHD
SOXVWKHWRSDQGERWWRPPDUJLQVRIWKHSDJH
n ,IWKHSDJHVL]HLVVHWWRD³%HVW«´RSWLRQWKHSULQWHUFDOFXODWHVWKHSDJH
OHQJWKDVWLPHVWKHSDJHZLGWK


&RQWUROOLQJWKH3DJH)RUPDW
3DJH)RUPDW
1RQ3RVW6FULSW)LOHV
3DJHIRUPDW

6L]H
7KH6L]HRSWLRQOHWV\RXVHOHFWWKHSDJHVL]HRI\RXUSULQW7KHRSWLRQVDUHGHVFULEHG
LQWKHIROORZLQJWDEOH,I\RXQHHGWRDGMXVWWKHSDJHVL]HIURPWKHIURQWSDQHOGRVR
$OOPHQXPRGHV EHIRUHVHQGLQJWKHILOHIURP\RXUFRPSXWHU7KHSULQWHUGHWHUPLQHVWKHVL]HRID
'HIDXOW6RIWZDUH SULQWDWWKHWLPHLWLVUHFHLYHGIURP\RXUDSSOLFDWLRQ
127(6HWWLQJVZLOOEHRYHUULGGHQE\\RXUGULYHURUDSSOLFDWLRQ

3DJH &RPPHQWV
IRUPDW
6L]H
,QNHG$UHD 7KHSULQWHGSDJHVL]HLVWKHLQNHG
DUHDSOXVPDUJLQV)RUDGHILQLWLRQRI
³LQNHGDUHD´VHHSDJH
6RIWZDUH 7KHSULQWHUORRNVWRWKHSULQW\RX
KDYHVHQWIRUDSDJHVL]HLQVWUXFWLRQ
,ILWLVSUHVHQWWKHSULQWHUXVHVWKLV,I
QRWWKHSULQWHGSDJHVL]HLVWKHLQNHG
DUHDSOXVPDUJLQV
,62 %HVW,62$ ³%HVW´2SWLRQV
,62$$$$ 7KHSULQWHUFKRRVHVWKHVPDOOHVWSDJH
$ VL]HIURPWKHFRUUHVSRQGLQJGLVFUHWH
$16, %HVW$16, RSWLRQVWKDWZLOOKROGWKHLQNHGDUHD
$16,('&%$ RIWKHSULQW)RUH[DPSOHLI%HVW,62
$LVVHOHFWHGDQGWKHLQNHGDUHDRIWKH
-,6 %HVW-,6% SULQWLVEHWZHHQ$DQG$WKH
-,6%%%% SULQWHUFKRRVHV$DVWKHSDJHVL]H
$5&+ %HVW$5&+ 'LVFUHWH2SWLRQV
$5&+(('& ,62$
%$ $16,('&%$
2YHUVL]H 2YHU$$ -,6%
1R³%HVW´RSWLRQ $5&+(('&%$
2YHU$
7KHSULQWHGSDJHVL]HLVH[DFWO\WKH
VL]H\RXVSHFLI\7KHODUJHVWGLVFUHWH
SDJHVL]H\RXFDQVSHFLI\LV($


&RQWUROOLQJWKH3DJH)RUPDW
 3DJH)RUPDW

3DJH6L]HDQG&OLSSHG,PDJHV
,I\RXVSHFLI\LQ\RXUVRIWZDUHDSDJHVL]HWKDWLVODUJHUWKDQWKHSDSHUVL]HORDGHG
LQWKHSULQWHUWKHSULQWHUZLOOVWLOOSULQWZKDWLWFDQEXWPD\FOLS\RXULPDJH
$SDSHULQSULQWHU

&OLSSHG
$UHD
&

$SDJHVL]HLQVRIWZDUHRUIURQWSDQHO

3DJH6L]HDQG1HVWLQJ 5ROO3DSHU2QO\
1HVWLQJPHDQVSODFLQJWZRRUPRUHSDJHVVLGHE\VLGHRQDUROOWRVDYHSDSHU
7KHUHDUHFHUWDLQFDVHVZKHQ\RXUSULQWVFDQQRWEHQHVWHG)RUDFRPSOHWH
H[SODQDWLRQRIQHVWLQJVHHSDJH$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

,I\RXKDYHTXHXHLQJDQGQHVWLQJVZLWFKHGRQWKHSULQWHUZLOOXVHWKHSDJHVL]HWR
GHWHUPLQHZKLFKSDJHVDUHQHVWHGDQGZKHWKHUWKHSDJHVFDQEHDXWRPDWLFDOO\
URWDWHGZKHQQHVWLQJ6HHSDJH$XWRPDWLF5RWDWLRQIRULQIRUPDWLRQDERXW
ZKLFKSDJHVFDQEHDXWRPDWLFDOO\URWDWHG


&RQWUROOLQJWKH3DJH)RUPDW
3DJHDQG,PDJH6L]H$FFXUDF\

3DJHDQG,PDJH6L]H$FFXUDF\
7KHSULQWHUG\QDPLFDOO\PRGLILHVWKHDGYDQFHRIWKHSDSHU7KLVLVWRDFKLHYHWKH
'HYLFH6HWXS EHVWSRVVLEOHLPDJHTXDOLW\ZLWKRXWVDFULILFLQJDFFXUDF\RIWKHOHQJWKRIWKHLPDJH
RUSDJH7KHZLGWKRIWKHLPDJHZLOODOZD\VEHFRUUHFWEXWWKHRYHUDOODFFXUDF\
3J$FF
DFKLHYHGE\WKHSULQWHUGHSHQGVRQ
'HIDXOW2SWLPL]HG√ n FRQWHQWRIWKHLPDJH LHLQNGHQVLW\DQGFRORU
n VWDWXVRIWKHSULQWKHDGV
n HQYLURQPHQWDOFRQGLWLRQV
n OLIHRIWKHSULQWHU

7KHGHIDXOWVHWWLQJRSWLPL]HVSULQWTXDOLW\DQGSDJHDGYDQFHDFFXUDF\,ISDJH
DGYDQFHDFFXUDF\LV\RXUSULPDU\FRQFHUQWKHQWKH0D[LPXPRSWLRQLVWKHEHVW
VHOHFWLRQIRU\RX

7RFKDQJHWKHSDJHDGYDQFHDFFXUDF\VHWWLQJWKURXJKWKHIURQWSDQHOJRWR'HYLFH
6HWXS3DJH7KHUHDUHWZRVHWWLQJVWRFKRRVHIURP

3DJH$FFXUDF\ 3DJH/HQJWK ,PDJH4XDOLW\


6HOHFWLRQ 2SWLPL]HG 2SWLPL]HG

2SWLPL]HG 1R <HV
0D[LPXP <HV 1R

2SWLPL]HG

<RXVKRXOGFKRRVHWKLVVHWWLQJLIWKH,PDJH4XDOLW\LVPRUHLPSRUWDQWWKDQWKHSDJH
OHQJWKDFFXUDF\&KRRVLQJWKHRSWLPL]HGVHWWLQJZLOOJLYH\RXWKHEHVWSRVVLEOH
LPDJHTXDOLW\ZKLOHQRWDOORZLQJWKHSDJHOHQJWKRULPDJHVL]HWRGLIIHUIURPLWV
RULJLQDOVL]HE\PRUHWKDQ

0D[LPXP

&KRRVHWKLVVHWWLQJLIWKHDFFXUDF\RIWKHSULQWHGLPDJHLVPRUHLPSRUWDQWWKDQWKH
LPDJHTXDOLW\%\FKRRVLQJWKLVVHWWLQJWKHSULQWHUZLOODGYDQFHVWKHSDSHULJQRULQJ
VXFKIDFWRUVDVWKHHQYLURQPHQWDOFRQGLWLRQVSULQWKHDGVWDWXVHWF
127( 7KH 0D[LPXP VHWWLQJ VKRXOG RQO\ EH XVHG ZKHQ HQGSRLQW DFFXUDF\ LV
LPSRUWDQWVXFKDVOLQHGUDZLQJVRUIRUH[DPSOHSRVWHUVZKLFKPXVWPDWFKDQH[DFW
SUHGHILQHGVL]H


&RQWUROOLQJWKH3DJH)RUPDW
$GMXVWLQJ0DUJLQV


$GMXVWLQJ0DUJLQV
7KHGHIDXOWVHWWLQJVIRUPDUJLQVDUHVHWWRHQVXUHWKHPD[LPXPSULQWDEOHDUHDRQ
3DJHIRUPDW \RXUSDSHU7KHWZRVLGHPDUJLQVDUHPP7KHPDUJLQVHWWLQJVIRUWKHWUDLOLQJ
0DUJLQV HGJHVRIWKHSDSHUFKDQJHGHSHQGLQJZKHWKHU\RXDUHXVLQJUROORUVKHHWSDSHUDV
VKRZQLQWKHLOOXVWUDWLRQVEHORZ,WLVLPSRUWDQWZKHQZRUNLQJZLWKLPDJHVZKLFK
)XOOPHQXPRGH GHPDQGDORWRILQNWKDW\RXXVHWKHFRUUHFWSDSHUZLWKWKHFRUUHFWPDUJLQVVHHWKH
'HIDXOW1RUPDO FDXWLRQRQSDJH
$IIHFWVQH[WILOH
+3'ULYHUVZLOORYHUULGH
WKLVVHWWLQJ

3DJH6L]H
5ROO3DSHU
([WHQGHG 3 V 6F LS
PP PP
1RUPDO

7UDLOLQJ(GJH


L

PP PP PP PP PP


PP

PP
PP PP
'L HF L  I

KHSDSH  HDYL J

KHS L H 3ULQWLQJ$UHD
/HDGLQJ(GJH

H H 1RUPDO 3 V 6F LS

3DJH6L]H
 PP PP

7UDLOLQJ(GJH
3ULQWLQJ$UHD

  PP PP PP 

 PP PP

  L

  L

  L HD L J JH

6KHHW3DSHU


&RQWUROOLQJWKH3DJH)RUPDW
5RWDWLQJDQ,PDJH 3RVW6FULSW

5RWDWLQJDQ,PDJH 3RVW6FULSW
5RWDWLQJDMREXVLQJWKH+33RVW6FULSWGULYHUVXSSOLHGZLWKWKH&0

%\GHIDXOWWKHMREVJHQHUDWHGE\DQ\RIWKH3RVW6FULSWGULYHUVSURYLGHGZLWKWKH
&0DUHSULQWHGLQSRUWUDLWHYHQLIWKHLPDJHYLHZHGLQ\RXUDSSOLFDWLRQLVLQ
ODQGVFDSHRULHQWDWLRQ,QRUGHUWRVDYHSDSHU\RXQHHGWRURWDWHWKHMREWKURXJKWKH
3RVWVFULSWGULYHULQWHUIDFH

5RWDWLQJDMRELVFRQWUROOHGE\DVHWWLQJLQWKH3RVW6FULSWGULYHULWFDQEHHQDEOHGRU
GLVDEOHG:KHQ\RXHQDEOHWKHURWDWLRQIHDWXUHERWKWKHSDJHDQGWKHLPDJHDUH
URWDWHGGHJUHHVFRXQWHUFORFNZLVH

1RWHWKDWWKH+3GULYHUZLOORYHUULGHWKHVHWWLQJLQWKHIURQWSDQHO
127(&RQVXOWWKH3RVW6FULSWGULYHUGRFXPHQWDWLRQWRILQGRXWZKHUH\RXVHWWKH
URWDWLRQIHDWXUH

3DJHVL]HDQGWKHURWDWLRQ

1RWHWKDWZKHQ\RXURWDWHDMREWKHSDJHVL]HLVHQODUJHGWRDYRLGFOLSSLQJEHFDXVH
WKHWUDLOLQJDQGOHDGLQJPDUJLQVDUHQRWWKHVDPHVL]HDVWKHVLGHPDUJLQV

:KHQ\RXDUHZRUNLQJZLWKWKHGHIDXOW QRUPDO PDUJLQVVHHSDJH$GMXVWLQJ


0DUJLQVWKHQDUURZPDUJLQVDUHDOZD\VDWWKHOHIWDQGULJKWVLGHVUHJDUGOHVVRIWKH
SK\VLFDORULHQWDWLRQRQWKHUROO:KHQURWDWLQJWKHSDJHVL]HLVHQODUJHGDFURVVWKH
SDSHUGLUHFWLRQWRHQVXUHWKDWWKHGUDZLQJLVQRWFOLSSHG

:KHQ\RXDUHZRUNLQJZLWKH[WHQGHGPDUJLQVVHHSDJH$GMXVWLQJ0DUJLQVWKH
QDUURZPDUJLQVDUHDOZD\VRQWKHERWWRPDQGWRSVLGHVUHJDUGOHVVRIWKHSK\VLFDO
RULHQWDWLRQRQWKHUROO:KHQURWDWLQJWKHSDJHVL]HLVHQODUJHGDFURVVWKHSDSHU
GLUHFWLRQWRHQVXUHWKDWWKHGUDZLQJLVQRWFOLSSHG

5RWDWLQJDMREXVLQJDWKLUGSDUW\3RVW6FULSWGULYHU

,I\RXDUHXVLQJDWKLUGSDUW\3RVW6FULSWGULYHU\RXFDQURWDWHWKHLPDJHXVLQJWKH
3DJHIRUPDW URWDWHVHWWLQJLQWKHIURQWSDQHO 3DJH)RUPDWURWDWH )RUPRUHLQIRUPDWLRQFRQVXOW
WKHGRFXPHQWDWLRQRIWKHWKLUGSDUW\GULYHU
5RWDWH

)XOOPHQXPRGH
'HIDXOW2II


&RQWUROOLQJWKH3DJH)RUPDW
5RWDWLQJDQ,PDJH 3RVW6FULSW

:KDWLV5RWDWHG"
u :LWKUROOSDSHUERWKWKHLPDJHDQGWKHSDJHRULHQWDWLRQDUHURWDWHG
° °

C4704043

1RWLFHWKDWWKHQDUURZPDUJLQVDUHDOZD\VDWWKHOHIWDQGULJKWVLGHVUHJDUGOHVVRI
WKHRULHQWDWLRQ7KHSDJHVL]HLVDGMXVWHGWRPDLQWDLQWKHSULQWLQJDUHDSUHYHQWLQJ
FOLSSLQJ
u :LWKVKHHWSDSHUWKHLPDJHLVURWDWHGEXWWKHSDJHRULHQWDWLRQVSHFLILHGLQ\RXU
VRIWZDUHLVUHWDLQHG <RXVKRXOGDOZD\VORDGVKHHWSDSHULQWKHRULHQWDWLRQ\RX
KDYHVSHFLILHGLQWKHVRIWZDUH
° °

C4704044


&RQWUROOLQJWKH3DJH)RUPDW
5RWDWLQJDQ,PDJH 3RVW6FULSW
)RU1RQ3RVW6FULSW)LOHV
n 7KHSULQWHUDGGVWKHURWDWLRQVHWWLQJWRDQ\URWDWLRQDQJOH\RXVSHFLI\LQ\RXU
VRIWZDUH)RUH[DPSOH
)RUVRIWZDUHDSSOLFDWLRQVZKLFKOLNHWKHSULQWHUURWDWHFRXQWHUFORFNZLVHWKH
UHVXOWLVWKHVXPRIWKHURWDWLRQVHOHFWHGLQWKHSULQWHUDQGWKHURWDWLRQVHOHFWHGLQ
WKHVRIWZDUHDSSOLFDWLRQ)RUH[DPSOHLI\RXUVRIWZDUHVSHFLILHVGHJUHHV
URWDWLRQDQG\RXVHW5RWDWHLQWKHIURQWSDQHOWR\RXULPDJH
VILQDOURWDWLRQ
ZLOOEHGHJUHHV
)RUVRIWZDUHDSSOLFDWLRQVZKLFKURWDWHFORFNZLVHWKHUHVXOWLVWKHGLIIHUHQFH
EHWZHHQWKHURWDWLRQVHOHFWHGLQWKHSULQWHUDQGWKHURWDWLRQVHOHFWHGLQWKH
VRIWZDUHDSSOLFDWLRQ)RUH[DPSOHLI\RXUVRIWZDUHVSHFLILHVGHJUHHV
URWDWLRQDQG\RXVHW5RWDWHLQWKHIURQWSDQHOWRWKHUHZLOOEHQRURWDWLRQ
n 3RVVLELOLW\RI&OLSSHG,PDJHVZLWK5RWDWHG,PDJHV
:LWKHLWKHUUROORUVKHHWSDSHULI\RXURWDWHDQLPDJHWRODQGVFDSHZKRVH
RULJLQDORULHQWDWLRQZDVSRUWUDLWWKHSDSHUPD\QRWEHZLGHHQRXJKIRUWKH
LPDJHDQGLWPD\EHFOLSSHG)RUH[DPSOHURWDWLQJDSRUWUDLW'$VL]HLPDJH
RQ'$VL]HSDSHUE\GHJUHHVZLOOSUREDEO\UHVXOWLQDFOLSSHGLPDJH


&RQWUROOLQJWKH3DJH)RUPDW
3ULQWLQJD0LUURU,PDJH


3ULQWLQJD0LUURU,PDJH
,I\RXDUHXVLQJFOHDULPDJLQJSDSHUVRPHWLPHVFDOOHGEDFNOLW\RXPD\ZDQWWR
3DJHIRUPDW SULQWDPLUURULPDJHRI\RXUSULQWVRWKDWZKHQWKHSDSHULVOLWIURPEHKLQGLWLVLQ
WKHFRUUHFWRULHQWDWLRQ7KLVFDQEHGRQHIURPWKHIURQWSDQHOZLWKRXWFKDQJLQJWKH
0LUURULQJ
LPDJHLQ\RXUVRIWZDUH
)XOOPHQXPRGH
'HIDXOW2II 0LUURU2II 0LUURU2Q
$IIHFWVQH[WSULQW
5HVHWVDIWHUSRZHURII

C4704051


&RQWUROOLQJWKH3DJH)RUPDW
&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH

&KDQJLQJWKH6FDOHRID3ULQWHG,PDJH

&0 :LWKD3RVW6FULSWILOH\RXFDQHQODUJH\RXUSULQWHGLPDJHIURPWKHSULQWHU
VIURQW
SDQHOE\XVLQJWKH36VFDOHRSWLRQDFFHVVHGIURPWKH3DJHIRUPDWPHQX
3DJHIRUPDW

366FDOH 7KH36VFDOHIHDWXUHLVXVHIXO
n ,I\RXUVRIWZDUHGRHVQRWVXSSRUWODUJHIRUPDWV
)XOOPHQXPRGHRQO\
'HIDXOW n ,I\RXUILOHLVWRRODUJHIRUWKHSULQWHU
VPHPRU\DQG\RXUHGXFHWKHSDJHVL]H
LQ\RXUVRIWZDUHDQGWKHQVFDOHLWXSDJDLQXVLQJWKHIURQWSDQHORSWLRQ

7RVFDOH\RXU$16,$3RVW6FULSWILOHWR

$16, $16, $UFK $16, $UFK $UFK $16, $UFK


% & & ' ' ( ( (

8VH        

&0 7RVFDOH\RXU,62$3RVW6FULSWILOHWR

,62 ,62-,6 26 ,62-,6 26 ,62-,6


$ $ $ $ $ $

8VH      

&0 7KH)LWWRSDJHVHWWLQJDGMXVWVWKHLPDJHVL]HWRWKHSDJHVL]HVHOHFWHGIRU\RXU
)LW7R3DJH SULQWHU)RUH[DPSOH,I\RXKDYHVHOHFWHG,62$DVWKHSDJHVL]HDQG\RXSULQW
DQ$VL]HLPDJHLWZLOOEHHQODUJHGWRILWWKH$SDJH,I,62$SDJHVL]HLV
VHOHFWHGWKHSULQWHUZRXOGUHGXFHDODUJHULPDJHWRILWWKH$VL]H


&RQWUROOLQJWKH2YHUDOO
$SSHDUDQFHRID3ULQW


:D\VRI&RQWUROOLQJWKH3ULQW¶V$SSHDUDQFH 
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV 
&KDQJLQJWKH7UHDWPHQWRI2YHUODSSLQJ/LQHV 0HUJH 
3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH 
3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\ 


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
:D\VRI&RQWUROOLQJWKH3ULQW¶V$SSHDUDQFH

:D\VRI&RQWUROOLQJWKH3ULQW¶V$SSHDUDQFH
&0 127(8QOHVV\RXKDYHVSHFLILFDOO\LQGLFDWHGLQ\RXUVRIWZDUHWKDWWKHSULQWHU¶V
IURQWSDQHO VHWWLQJV DUH WR EH XVHG IRU H[DPSOH 3ULQWHU¶V GHIDXOW 6HWWLQJ LQ D
0DFLQWRVK 3ULQW 2SWLRQV ZLQGRZ  WKH VRIWZDUH VHWWLQJV IRU D 3RVW6FULSW ILOH
RYHUULGHWKHSULQWHUIURQWSDQHOVHWWLQJVGHVFULEHGLQWKLVFKDSWHU

7KLVFKDSWHUGLVFXVVHVWKHZD\V\RXFDQFRQWUROWKHRYHUDOODSSHDUDQFHRI\RXU
SULQWVIURPWKHIURQWSDQHOLQWHUPVRI
n SHQZLGWK
n SHQFRORU
n WUHDWPHQWRIRYHUODSSLQJOLQHV
n UHQGHULQJFRORULPDJHVLQJUD\VFDOH
n RYHUDOOSULQWTXDOLW\DQGUHVROXWLRQ

6RPHIURQWSDQHOVHOHFWLRQVDIIHFWWKHQH[WILOH\RXVHQGIURP\RXUFRPSXWHUQRW
SDJHVDOUHDG\LQWKHSULQWHU
VTXHXH,IWKLVLVWKHFDVHLWLVVWDWHGLQWKHUHOHYDQWSDUW
RIWKLVFKDSWHU

6RPHRIWKHFRQWUROVDUHDYDLODEOHXVLQJWKHIURQWSDQHOPHQXV IRUH[DPSOH SHQ


ZLGWKSHQFRORURYHUODSSLQJOLQHV 3ULQWPRGHDQGFRORUJUD\VFDOHSULQWRSWLRQV
DUHFRQWUROOHGIURPWKHIURQWSDQHONH\V

:K\&KDQJHWKH$SSHDUDQFHRIWKH3ULQW8VLQJWKH)URQW3DQHO"

%\GHIDXOWWKHSULQWHUORRNVWR\RXUVRIWZDUHWRSURYLGHLQIRUPDWLRQRQDOOWKH
DERYHDWWULEXWHV+RZHYHU\RXUGULYHURUDSSOLFDWLRQPD\QRWSURYLGHWKHVH
FRQWUROVRU\RXPD\ZDQWWRH[SHULPHQWZLWKYDULRXVHIIHFWVRUWU\DWHPSRUDU\
FKDQJHZLWKRXWWKHQHHGWRFKDQJH\RXULPDJHVRU\RXUGULYHUVHWWLQJV

& 6RPHRIWKHVHVHWWLQJVGRQRWDIIHFWWKHRXWSXWJHQHUDWHGZKHQSULQWLQJIURPPRVW
RIWKHDSSOLFDWLRQVXQGHU:LQGRZVZKHQXVLQJD+3*/GULYHU


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV


&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO
3DOHWWHV
7KH³SHQV´GLVFXVVHGWKURXJKRXWWKLVFKDSWHUDUHWKHFRQFHSWXDOSHQVLQDVRIWZDUH
SDOHWWHUDWKHUWKDQWKHSULQWHU¶VSK\VLFDOSULQWKHDGV

&0 7KHVHVHWWLQJVKDYHQRHIIHFWRQ3RVW6FULSWILOHV

7KHSULQWHUKDVWKUHHSHQSDOHWWHV
n )DFWRU\
n 3DOHWWH$
n 3DOHWWH%

7KHIDFWRU\SDOHWWHFDQQRWEHFKDQJHG<RXFDQKRZHYHUFKDQJHWKHOLQHZLGWKDQG
FRORUVHWWLQJVIRUHDFKSHQLQWKHUHPDLQLQJWZRSDOHWWHV SDOHWWH$DQGSDOHWWH% 
,QLWLDOO\DOOWKUHHSDOHWWHVDUHLGHQWLFDO(DFKSDOHWWHKDVSHQVZKLFKFDQLQFOXGH
SHQVRIGLIIHUHQWZLGWKVDQGDQ\FRPELQDWLRQRIWKHSULQWHU¶VSUHGHILQHGFRORUV


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV

7R6HOHFWD3DOHWWH
7RVHOHFWDSDOHWWHWKURXJKWKHIURQWSDQHOPHQXJRWRWKH'HILQH3DOHWWHVHOHFWLRQ
XQGHU+3*/6(77,1*6DQGFKRRVHWKHSDOHWWH\RXZDQW

7KHIROORZLQJWDEOHGHVFULEHVWKHSDOHWWHFKRLFHV

3DOHWWH &RPPHQWV
+3*/6(77,1*6
6RIWZDUH 7KHSULQWHUORRNVWR\RXUVRIWZDUHIRUSHQVHWWLQJVDQG
LJQRUHVDOOWKUHHLQWHUQDOSDOHWWHV
3DOHWWH
3DOHWWH$ 7KHSULQWHUDVVLJQVWKHDWWULEXWHVGHILQHGLQ3DOHWWH$WRWKH
)XOOPHQXPRGH SHQVGHILQHGLQ\RXUVRIWZDUHDVWKURXJK
'HIDXOW6RIWZDUH
3DOHWWH% 7KHSULQWHUDVVLJQVWKHDWWULEXWHVGHILQHGLQ3DOHWWH%WRWKH
SHQVGHILQHGLQ\RXUVRIWZDUHDVWKURXJK
)DFWRU\ 7KHSULQWHUDVVLJQVWKHDWWULEXWHVGHILQHGLQWKH)DFWRU\
3DOHWWHWRWKHSHQVGHILQHGLQ\RXUVRIWZDUHDVWKURXJK

&0 7KHVHVHWWLQJVKDYHQRHIIHFWRQ3RVW6FULSWILOHV


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV

9LHZLQJ&XUUHQW&RQILJXUDWLRQ6HWWLQJV
 0DNHVXUHHLWKHUDUROORUDVKHHWRISDSHULVORDGHG
 0DNHVXUHWKDWWKHIURQWSDQHO&RORU*UD\VFDOHVZLWFKLVVHWWR&RORU
 3ULQWWKH&XUUHQW&RQILJXUDWLRQ3ULQWE\SUHVVLQJWKH↑DQG↓NH\VVLPXOWDQHRXVO\

TOP

BACK
2Q2II3XVK
%XWWRQ
3UHVV7KHVH7ZR
.H\V6LPXOWDQHRXVO\
PRINT CURRENT
CONFIGURATION
(PRESS BOTH KEYS

ENTER &

 1RWLFHRQWKH&XUUHQW&RQILJXUDWLRQ3ULQWWKDWWKHSHQVDUHQXPEHUHGWKURXJK
DQGWKHFRORUVDUHQXPEHUHGWKURXJK7KHVHFRORUVDUHVSHFLILHGLQWKH
3DOHWWH3ULQWDVH[SODLQHGLQWKHIROORZLQJVHFWLRQV

&0 7KHVHVHWWLQJVKDYHQRHIIHFWRQ3RVW6FULSWILOHV


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV

9LHZLQJWKH&RORUV$YDLODEOH)RUD3DOHWWH
 7RSULQWWKHSDOHWWH'HPRSULQWPDNHVXUHWKDWWKHIURQWSDQHO&RORU*UD\VFDOHNH\
LVVHWWR&RORU
 *RWRWKH'HPRVPHQXDQGFKRRVH3DOHWWH

,QWKH3DOHWWHSULQWWKHUHDUHVTXDUHVQXPEHUHGWKURXJKHDFKVKRZLQJ
'HPRV
RQHRIWKHFRORUVDYDLODEOHIRUVHOHFWLRQLQWKHSULQWHU
VLQWHUQDOSDOHWWHV7KH
3DOHWWH H[DPSOHEHORZLVFRORU PDJHQWD ZKLFKLVDVVLJQHGWRSHQLQWKHIDFWRU\
V
GHIDXOWSDOHWWH
$OOPHQXPRGHV
3HQQXPEHULQIDFWRU\GHIDXOWSDOHWWHDQGLQLWLDOO\ 7
WKHUHIRUHLQDOOWKUHHSDOHWWHVWKURXJK

&RORUQXPEHUWKURXJK 0,255,255

5*%FRPSRVLWLRQVFDOHGWR ,QWKLVH[DPSOH
LWLVUHGJUHHQEOXHZKLFKLVPDJHQWD

C4704021

1RWHWKDW5*%DQG&0<.SOXVZKLWHDUHDVVLJQHGE\GHIDXOWWRSHQVWKURXJK
DQGWKDWHLJKWJUD\VFDOHVDUHLQFOXGHGLQWKHFRORUV

7KHFRORUVVKRZQLQWKH3DOHWWH3ULQWDUHQRWWKHRQO\FRORUV\RXFDQSULQWZLWK
\RXUSULQWHU8VLQJ\RXUVRIWZDUH\RXFDQFUHDWHPDQ\PRUHFRORUVDQGDVORQJDV
\RXDUHXVLQJWKHFRUUHFWGULYHUWKHSULQWHUZLOOUHSURGXFHWKHVHFRORUVE\DQ
DSSURSULDWHPL[RILQNVIURPLW¶V&0<.LQNFDUWULGJHV7KH3DOHWWH3ULQWPHUHO\
VKRZVWKHFRORUVDYDLODEOHIRUXVHLQWKHSULQWHU¶VLQWHUQDOSDOHWWHVVKRXOG\RX
FKRRVHWRXVHWKHP


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV

7R&KDQJHWKH3DOHWWH6HWWLQJV
+3*/6(77,1*6

<RXFDQQRWFKDQJHWKH)DFWRU\SDOHWWHEXW\RXFDQGHILQH3DOHWWHV$DQG%WREH
'HILQHSDOHWWH
ZKDWHYHU\RXFKRRVH
)XOOPHQXPRGH
'HIDXOWV
,WHP $YDLODEOH2SWLRQV
3DOHWWH )DFWRU\
:LGWK PP 3DOHWWHV )DFWRU\$%
&RORU 6HH3DOHWWH
3ULQW 3HQV WKURXJK
:LGWKV PP 
1RWHWKDWPPLVDRQH
SL[HOOLQHZLGWKDWGSLDQGWKUHHSL[HOVOLQHZLGWKDW
GSL
&RORUV WKURXJK
$VVSHFLILHGRQWKH3DOHWWH3ULQW

&0 7KHVHVHWWLQJVKDYHQRHIIHFWRQ3RVW6FULSWILOHV

7KHIROORZLQJVWHSVH[SODLQKRZWRGHILQH3DOHWWH$
 ,QWKHIURQWSDQHOPHQXJRWRWKH'HILQH3DOHWWHVHOHFWLRQDQGFKRRVH
3DOHWWH$
 6FUROOWRWKHSHQQXPEHU\RXZDQWWRFKDQJHDQGSUHVV(QWHU
 7KHFXUUHQWZLGWKDVVLJQHGWRWKLVSHQLVGLVSOD\HGIRUH[DPSOH:LGWK PP,I
\RXZDQWWRFKDQJHLW
D 3UHVV(QWHU
E 6FUROOWRWKHZLGWK\RXZDQW
F 7KHQSUHVV(QWHUDJDLQ
G 3UHVV%DFNWRJHWWRWKHSUHYLRXVPHQX&RORU:LGWK

2WKHUZLVHVFUROOWR&RORU
 7KHFXUUHQWFRORUDVVLJQHGWRWKHSHQLVGLVSOD\HGIRUH[DPSOH&RORU ,I\RX
ZDQWWRFKDQJHLW
D 3UHVV(QWHU
E 6FUROOWRWKHFRORU\RXZDQW
F 7KHQSUHVV(QWHUDJDLQ


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO3DOHWWHV
G 3UHVV%DFNWRJHWWRWKHSUHYLRXVPHQX
 :KHQERWKZLGWKDQGFRORUDUHFRUUHFWSUHVV%DFN
 6FUROOWRWKHQH[WSHQQXPEHU\RXZDQWWRFKDQJHSUHVV(QWHUDQGWKHQUHSHDWVWHSV
WKURXJKDJDLQ
 :KHQDOOSHQGHILQLWLRQVDUHFRUUHFWSUHVV7RSWRH[LWWKHPHQXV

,03257$17 7KHSDOHWWH\RXKDYHMXVWGHILQHGZLOOWDNHHIIHFWRQO\ZKHQ\RXVHOHFWLWWREH
WKHFXUUHQWSDOHWWHDVH[SODLQHGRQSDJH7R6HOHFWD3DOHWWH


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
&KDQJLQJWKH7UHDWPHQWRI2YHUODSSLQJ/LQHV 0HUJH


&KDQJLQJWKH7UHDWPHQWRI2YHUODSSLQJ/LQHV
0HUJH
7KH0HUJHVHWWLQJFRQWUROVKRZRYHUODSSLQJOLQHVDUHWUHDWHG0HUJHKDVWZR
+3*/6HWWLQJV
VHWWLQJV2IIDQG2Q7KHIROORZLQJLOOXVWUDWLRQVKRZVWKHHIIHFWRIHDFKVHWWLQJ
0HUJH 0HUJHRII 0HUJHRQ
$VXEVHTXHQWOLQHKLGHVD 2YHUODSSLQJOLQHVDQGDUHD
)XOOPHQXPRGH SUHYLRXVOLQHZKHUHWKH\ ILOOVDUHPHUJHG
'HIDXOW2II RYHUODS

C4704022

<RXFDQVHWWKHPHUJHVHWWLQJIURP\RXUVRIWZDUHLQVRPHDSSOLFDWLRQV6HWWLQJVLQ
\RXUVRIWZDUHRYHUULGHWKHIURQWSDQHOVHWWLQJV

&0 0HUJHVHWWLQJVKDYHQRHIIHFWRQ3RVW6FULSWILOHV


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH

3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH
7KHUHDUHWLPHVZKHQ\RXPD\ZDQWWRSULQWDFRORULPDJHLQJUD\VFDOHEHFDXVHLWLV
IDVWHU([DPSOHVRIWKLVDUH
n <RXZDQWDGUDIWZKHUHFRORULVQRWLPSRUWDQWIRUH[DPSOHWRFKHFNWKDWWKH
LPDJHLVQRWJRLQJWREHFOLSSHG
n <RXZDQWDYHUVLRQIRUSKRWRFRS\LQJLQEODFNDQGZKLWH

*UD\VFDOHSULQWLQJUHQGHUVFRORUVDVJUD\VFDOHVUDWKHUWKDQDOOFRORUVDVEODFN,I\RX
ZDQWDOOFRORUVWREHSULQWHGDVEODFNWKHQ\RXVKRXOGVHWDOO\RXUFRORUVWREODFNLQ
\RXUVRIWZDUH)RUH[DPSOHLIVXSSRUWHGLQ\RXUVRIWZDUHXVHDSHQQXPEHUWKDWLV
EODFN

$OWHUQDWLYHO\\RXFRXOGPDNHRQHRIWKHSULQWHU
VLQWHUQDOSDOHWWHV $RU% DOO
EODFNDQGWKHQVHOHFWWKLVDVWKHFXUUHQWSDOHWWH VHHSDJHLQWKLVFKDSWHUIRUDQ
H[SODQDWLRQRISDOHWWHV 

&0 127(7KH3DOHWWH6HWWLQJVGRQRWDIIHFW3RVW6FULSWILOHV

n <RXFDQQRWFKDQJHWKHFRORUJUD\VFDOHVHWWLQJIRUSDJHVDOUHDG\LQWKHSULQWHU
V
TXHXH
n +3*/GULYHUVPD\RYHUULGHWKLVVHWWLQJ


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH

6ZLWFKLQJ%HWZHHQ&RORUDQG*UD\VFDOH
 8VHWKHIURQWSDQHONH\VKRZQEHORZWRWRJJOHEHWZHHQFRORUDQGJUD\VFDOH

FORM FEED
CANCEL TOP
AND CUT

BACK

BEST
NORMAL COLOR
PRINT CURRENT
DRAFT GRAYSCALE
CONFIGURATION
(PRSS BOTH KEYS)

ENTER
PRINT QUALITY COLOR

&

 6HQGWKHILOHIURP\RXUFRPSXWHU7KHVHWWLQJ\RXKDYHLQ\RXUGULYHUZLOORYHUULGH
WKHVHWWLQJLQWKHIURQWSDQHO

127( 7KH&RORU*UD\VFDOHVHWWLQJDOVRHIIHFWVPRVWRIWKHSULQWHU
VLQWHUQDOSULQWV
7KH 3ULQW 4XDOLW\ SULQW LV DOZD\V SULQWHG LQ FRORU HYHQ ZKHQ *UD\VFDOH LV
VHOHFWHGLQWKHIURQWSDQHO


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\

3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\
R 
6RPH7\SLFDO3ULQWLQJ7LPHV OLQHGUDZLQJV# &DQG  $16,' $16,(
UHODWLYHKXPLGLW\  VL]H VL]H

3DSHU &RORU*UD\VFDOH 7LPH LQ 7LPH LQ


VHFV VHFV
%ULJKW:KLWH &RORU %HVW  
%ULJKW:KLWH &RORU 1RUPDO  
%ULJKW:KLWH &RORU 'UDIW  
%ULJKW:KLWH *UD\VFDOH %HVW  
%ULJKW:KLWH *UD\VFDOH 1RUPDO  
%ULJKW:KLWH *UD\VFDOH 'UDIW  
&RDWHG3DSHU &RORU %HVW  
&RDWHG3DSHU &RORU 1RUPDO  
&RDWHG3DSHU &RORU 'UDIW  
&RDWHG3DSHU *UD\VFDOH %HVW  
&RDWHG3DSHU *UD\VFDOH 1RUPDO  
&RDWHG3DSHU *UD\VFDOH 'UDIW  
+HDY\&RDWHG3DSHU &RORU %HVW  
+HDY\&RDWHG3DSHU &RORU 1RUPDO  
+HDY\&RDWHG3DSHU &RORU 'UDIW  
+HDY\&RDWHG3DSHU *UD\VFDOH %HVW  
+HDY\&RDWHG3DSHU *UD\VFDOH 1RUPDO  
+HDY\&RDWHG3DSHU *UD\VFDOH 'UDIW  
*ORVV\3DSHU &RORU %HVW  
*ORVV\3DSHU &RORU 1RUPDO  
*ORVV\3DSHU &RORU 'UDIW  
*ORVV\3DSHU *UD\VFDOH %HVW  
*ORVV\3DSHU *UD\VFDOH 1RUPDO  
*ORVV\3DSHU *UD\VFDOH 'UDIW  


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\

3ULQW4XDOLW\6HWWLQJV
<RXFDQVHWWKHRYHUDOOSULQWTXDOLW\IURPWKHIURQWSDQHO,QJHQHUDO
n &KRRVH'UDIWIRUPD[LPXPSURGXFWLYLW\,GHDOIRUFKHFNLQJSULQWVZKHQSULQW
TXDOLW\LVQRWWKHPRVWLPSRUWDQW
n &KRRVH1RUPDOWRJHWDJRRGFRPELQDWLRQRISULQWTXDOLW\DQGSURGXFWLYLW\
,GHDOIRUOLQHGUDZLQJVZLWKJRRGSULQWTXDOLW\DQGDWVSHHG
n &KRRVH%HVWWRJHWWKHKLJKHVWSRVVLEOHLPDJHTXDOLW\

<RXFDQSULQWLPDJHVLQGLIIHUHQWVHWWLQJVWRVHHZKLFKJLYHVWKHEHVWFRPELQDWLRQRI
WKURXJKSXWDQGTXDOLW\IRU\RXUDSSOLFDWLRQ

7KHUHVROXWLRQDWZKLFK\RXUSULQWZLOOEHSULQWHGLVVXPPDUL]HGLQWKHWDEOHEHORZ

3ULQW 5HVROXWLRQLQGSL
TXDOLW\
VHWWLQJ
*UD\VFDOH &RORU
'UDIW [ [
RU[ VHHQRWH
1RUPDO [ [
RU[ VHHQRWH
%HVW [ [
RU[ VHHQRWH

1RWH,I\RXSULQWDQ57/ILOHSURFHVVHGDVGSLWRWKHSULQWHULQ'5$)7RU
1250$/VHWWLQJLWZLOOEHSULQWHGLQ1250$/PRGHEXWZLWKDUHVROXWLRQRI
GSL

1RWH7RHQDEOHWKLVUHVROXWLRQ\RXQHHG\RXUVRIWZDUHWRVXSSRUWLW

1RWH3RVW6FULSWDOZD\VXVHV[LQGUDIWDQG[LQQRUPDODQG
EHVW


&RQWUROOLQJWKH2YHUDOO$SSHDUDQFHRID3ULQW
3ULQWLQJ6SHHGVDQG3ULQW4XDOLW\

&KDQJLQJWKH3ULQW4XDOLW\
8VHWKHIURQWSDQHO3ULQW4XDOLW\NH\WRWRJJOHEHWZHHQWKHWKUHHSULQWTXDOLW\
VHWWLQJV

$Q\VRIWZDUHGULYHUZLOORYHUULGHWKHIURQWSDQHOVHWWLQJ EXWLWZLOOQRWFKDQJHWKH
/(' 8VH\RXUGULYHUIRUVHWWLQJWKHSULQWTXDOLW\RILPDJHVVHQWIURP\RXU
FRPSXWHU8VHWKHIURQWSDQHOWRVHWWKHSULQWTXDOLW\IRULQWHUQDOSULQWV

,I\RXUVRIWZDUHUDVWHULPDJLQJSURFHVVRU 5,3 V\VWHPKDVSULQWTXDOLW\VHWWLQJV


VHOHFW\RXUSULQWPRGHIURPWKH5,3,WVKRXOGRYHUULGHWKHIURQWSDQHOVHWWLQJV

FORM FEED
CANCEL TOP
AND CUT

BACK

BEST
NORMAL COLOR
PRINT CURRENT
DRAFT GRAYSCALE
CONFIGURATION
(PRSS BOTH KEYS)

ENTER
LITY

&

&

6HHSDJH&RPELQDWLRQVRI3DSHU7\SHDQG3ULQW4XDOLW\6HOHFWLRQIRUPRUH
LQIRUPDWLRQDERXWDSSURSULDWHFRPELQDWLRQVRISDSHUW\SHDQGSULQWPRGHV

127( <RXFDQQRWFKDQJHWKHSULQWPRGHVHWWLQJIRUSDJHVEHLQJUHFHLYHGRUDOUHDG\
LQWKHSULQWHU
VLQWHUQDOTXHXH PHPRU\ 




0DQDJLQJ<RXU3ULQWV

0DQDJLQJ3DJHV&XUUHQWO\EHLQJ3ULQWHGRU'U\LQJ 
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH 
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV 


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV&XUUHQWO\EHLQJ3ULQWHGRU'U\LQJ

0DQDJLQJ3DJHV&XUUHQWO\EHLQJ3ULQWHGRU'U\LQJ
,QWKLVFKDSWHUWKHWHUPVMREDQGSDJHDUHXVHGLQWHUFKDQJHDEO\IRUILOHV57/DQG
+3*/MREVDUHVLQJOHSDJHMREV:KHUHZHWDONDERXWWKHSULQWSDSHUWKHWHUP
SDJHPHDQVDVLQJOHRXWSXWSDJH

&0 3RVW6FULSWMREVPD\KDYHPXOWLSOHSDJHV

&DQFHOOLQJD3DJH
 3UHVV&DQFHORQWKHIURQWSDQHO

FORM FEED TOP


CANCEL
AND CUT

BACK

BEST
MEL COLOR PRINT CURRENT
AFT GRAYSCALE CONFIGURATION
(PRESS BOTH KEYS)

ENTER
INT QUALITY COLOR

&

7KHSULQWHUDGYDQFHVWKHSDSHUDVWKRXJKWKHSULQWZHUHILQLVKHG$PXOWLSDJHMRE
RUDELJILOHPD\WDNHORQJHUWRVWRSSULQWLQJWKDQRWKHUILOHV

&0 3RVW6FULSWMREVPD\WDNHORQJHUWRVWRSSULQWLQJ


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV&XUUHQWO\EHLQJ3ULQWHGRU'U\LQJ

&DQFHOOLQJWKH'U\LQJ7LPH
 3UHVVWKH&DQFHORU(QWHUNH\RQWKHIURQWSDQHO

FORM FEED TOP


CANCEL
AND CUT

BACK

BEST
MEL COLOR PRINT CURRENT
AFT GRAYSCALE CONFIGURATION
(PRESS BOTH KEYS)

ENTER
NT QUALITY COLOR

&

 7KHSULQWHUZLOOUHOHDVHWKHSDSHUDQGLWZLOOIDOOLQWRWKHSDSHUELQ

&$87,21 8VH FDXWLRQ ZKHQ SHUIRUPLQJ WKLV SURFHGXUH DV DQ LPDJH ZKLFK KDV KDG
LQVXIILFLHQWWLPHWRGU\FRXOGJHWGDPDJHG


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

:KDWLVWKH4XHXH"
<RXUSULQWHUFDQVWRUHSDJHVLQDTXHXHDWWKHVDPHWLPHDVSULQWLQJWKHFXUUHQWSDJH
,WVWRUHVWKHPSDJHE\SDJH,I\RXVHQGRQO\VLQJOHSDJH\RXFDQUHJDUGWKHVHDV
48(8(,1* 1(67,1*

4XHXH ILOHV

$OOPHQXPRGHV 7KHVL]HRIWKHTXHXHLVOLPLWHGE\QXPEHURIMREV PD[LPXPRIMREVFRQWDLQLQJ


'HIDXOW2II
XSWRSDJHVWRWDO DQGWKHWRWDOPHPRU\DYDLODEOH7KHTXHXHVWRUHVSURFHVVHG
RXWSXWSDJHVQRWWKHLQSXWMREV5HPHPEHUWKDWILOHVL]HDQGPHPRU\XVDJHDUHQRW
WKHVDPHWKLQJDVH[SODLQHGRQSDJH)LOH6L]HDQG0HPRU\8VDJH

&0 127(,I\RXVHQGDYHU\FRPSOH[3RVW6FULSWMREZLWKTXHXHLQJWXUQHGRIIWKH
SULQWHUPD\VWRSGXULQJSULQWLQJRIWKHLPDJHZKLOHLWLVSURFHVVLQJWKHMRE7KLV
PD\UHVXOWLQDQLPDJHTXDOLW\GHIHFW7RDYRLGWKLVDOZD\VSULQWYHU\FRPSOH[
ILOHVZLWKTXHXHLQJWXUQHGRQ

:LWK4XHXHLQJ7XUQHG21
127(:KHQ4XHXHLQJLV2QDQGWKHSULQWHUUHFHLYHVSULQWILOHVWKHILOHVDUHVWRUHG
LQWKHTXHXHLQWKHRUGHUWKH\DUHUHFHLYHG,I1HVWLQJLV2IIWKHILOHVDUHSULQWHGDV
VRRQDVSRVVLEOHLQWKHRUGHUWKH\DUHUHFHLYHG,I 1HVWLQJLV 2QILOHVDUHSULQWHG
ZKHQWKHWLPHRXWSHULRGH[SLUHVRUWKHUHDUHHQRXJKILOHVWRILOODSDJHZLGWK<RX
FDQUHVHQGILOHVZKLFKKDYHDOUHDG\EHHQSULQWHG)RUPRUHLQIRUPDWLRQRQQHVWLQJ
VHHSDJH$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

n <RXFDQVHQGSDJHVWRWKHSULQWHUZLWKRXWZDLWLQJIRUWKHFXUUHQWSDJHWRILQLVK
SULQWLQJ
n 3DJHVDUHVWRUHGLQWKHTXHXHLQWKHRUGHUWKH\DUHUHFHLYHG
n <RXFDQPDQLSXODWHWKHSDJHVLQWKHTXHXHIRUH[DPSOHSULRULWL]LQJWKHPDQG
UHSULQWLQJWKHP
n <RXFDQXVHQHVWLQJWKHSULQWHU
VSDSHUVDYLQJIHDWXUH VHHSDJH$YRLGLQJ
3DSHU:DVWHE\1HVWLQJ3DJHV 
n :KLOHRQHSDJHLVSULQWLQJWKHSULQWHUZLOODFFHSWDQGSURFHVVWKHQH[WILOH


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

:LWK4XHXHLQJ7XUQHG2))

,I4XHXHLQJLV2IIDQGWKHSULQWHUUHFHLYHVSULQWILOHVWKHILOHVDUHSULQWHGDVWKH\DUH
UHFHLYHGDQGDUHQRWVWRUHGLQWKHTXHXH1HVWLQJVHWWLQJVKDYHQRHIIHFWZKHQ
4XHXHLQJLV2II
n )LOHVDUHSULQWHGDVWKH\DUHUHFHLYHGDQGDUHQRWVWRUHGLQWKHTXHXH
n 7KHSULQWHUZLOOQRWDFFHSWDQRWKHUILOHVHQWIURPWKHFRPSXWHUXQWLOWKHFXUUHQW
SDJHKDVILQLVKHGSULQWLQJDQGWKHSULQWHULVUHDG\
n <RXFDQQRWXVHQHVWLQJ

,I\RXWXUQTXHXHLQJRIIZKLOHSDJHVDUHVWLOOLQWKHTXHXHWKH\ZLOOEHSULQWHGDQG
LIQHVWLQJLVRQ QHVWHGXQWLOWKHTXHXHLVHPSW\
127(,IWKHSULQWHULVWXUQHGRIIZLWKXQSULQWHGILOHVLQWKHTXHXHWKHILOHVDUHORVW
DQGPXVWEHUHVHQW


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

6WDUWLQJWR3ULQWD)LOHWKDWLV:DLWLQJIRUD7LPHRXW
,IDOOLVLQRUGHU SDSHUORDGHGDOOLQNFRPSRQHQWVLQVWDOOHGDQGQRILOHHUURUV 
WKHUHDUHVWLOOUHDVRQVZK\DILOH\RXKDYHVHQWIURP\RXUFRPSXWHUPD\QRWVWDUW
SULQWLQJZKHQH[SHFWHG
n 7KHSULQWILOHPD\ODFNDSURSHUILOHWHUPLQDWRUDQGWKHSULQWHULVWKHUHIRUH
ZDLWLQJIRUWKHVSHFLILHG,2WLPHRXWSHULRGEHIRUHDVVXPLQJLWLVFRPSOHWH6HH
SDJH7R&KDQJHWKH,27LPHRXW6HWWLQJ
n 1HVWLQJPD\EHRQDQGWKHSULQWHULVZDLWLQJIRUWKHVSHFLILHGQHVWZDLWWLPHRXW
SHULRGEHIRUHFDOFXODWLQJWKHDSSURSULDWHQHVWV,QWKLVFDVHWKHSULQWHUGLVSOD\
VKRZVWKHUHPDLQLQJWLPHIRUWKHQHVWLQJWLPHRXW6HHSDJH+RZ/RQJ
GRHVWKH3ULQWHU:DLWIRU$QRWKHU)LOH"
n ,I\RXUILOHKDVVHOHFWHGVKHHWRUUROOSDSHUWRSULQWWKHMRERQWREXWWKHVHOHFWHG
SDSHULVQRWORDGHGLQWRWKHSULQWHU
± WKHIURQWSDQHOZLOOSURPSW\RXWRORDGWKHVHOHFWHGSDSHURQFH\RXORDGWKH
SDSHUWKHSULQWHUZLOOSULQWWKHMRE
RU
± 3UHVVWKHFDQFHONH\DQGUHVHQGWKHMREZLWKSDSHUWKDW\RXKDYHDYDLODEOH

,I\RXZDQWWRRYHUULGHWKHWLPHRXWSHULRGDQGVWDUWSULQWLQJ
 3UHVV)RUP)HHGDQG&XWRQWKHIURQWSDQHO

FORM FEED TOP


CANCEL
AND CUT

BACK

BEST
NORM COLOR
PRINT CURRENT
DRA GRAYSCALE CONFIGURATION
(PRESS BOTH KEYS)

ENTER

&


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH


48(8(,1* 1(67,1*
,GHQWLI\LQJD-RELQWKH4XHXH
4XHXHPJPW ,Q4XHXHLQJ1HVWLQJ\RXFDQVFUROOWKURXJKWKHSDJHVLQWKHTXHXH

-RE1DPH (DFKKDVDQLGHQWLILHUFRPSULVLQJ
$OOPHQXPRGHV
SRVLWLRQLQTXHXH!LPDJHQDPH!

3RVLWLRQLQ4XHXH
,IDYDLODEOH
7KHMREFXUUHQWO\EHLQJSULQWHGLVLQSRVLWLRQ7KHQH[WMREWREHSULQWHGLVLQ
SRVLWLRQWKHRQHDIWHULQSRVLWLRQHWF7KHSUHYLRXVMRESULQWHGLVLQSRVLWLRQ
WKHRQHEHIRUHWKDWLQSRVLWLRQHWF
MREV\HWWREHSULQWHG

XSWR
MREV FXUUHQWMRE

MREVDOUHDG\SULQWHG


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

9LHZLQJWKH6L]HRID3DJHLQWKH4XHXH
1RQ3RVWVFULSW
7RYLHZWKHVL]HRIDQ\SDJHLQWKHTXHXHVHOHFWLWDQGFKRRVH6WDWLVWLFV
4XHXHLQJ 1HVWLQJ

4XHXHPJPW
6WDWLVWLF &RPPHQWV
:LGWK 7KHVKRUWHUVLGHRIWKHSDJHLQPLOOLPHWHUV
-REQDPH
/HQJWK 7KHORQJHUVLGHRIWKHSDJHLQPLOOLPHWHUV
6WDWLVWLFV

:LGWK/HQJWK 3ULRULWL]LQJD-RELQWKH4XHXH
7RPDNHDQ\MRELQWKHTXHXHWKHQH[WRQHWREHSULQWHGVHOHFWLWDQGFKRRVH0RYH
4XHXHLQJ 1HVWLQJ
WRWRS
4XHXHPJPW
,IQHVWLQJLVWXUQHGRQ VHHSDJH:KDWLV1HVWLQJ" WKHSULRULWL]HGMREPD\VWLOO
-REQDPH EHQHVWHGZLWKRWKHUV,I\RXUHDOO\ZDQWWKLVMREWREHSULQWHGQH[WDQGRQLWVRZQ
RQWKHUROOWKHQILUVWWXUQQHVWLQJRIIDQGWKHQXVH0RYHWRWRSWRPRYHLWWKHWRSRI
0RYHWRWRS WKHTXHXH
$OOPHQXPRGHV

'HOHWLQJD-REIURPWKH4XHXH
8QGHUQRUPDOFLUFXPVWDQFHVWKHUHLVQRQHHGWRGHOHWHDMREIURPWKHTXHXHDIWHU
4XHXHLQJ 1HVWLQJ
SULQWLQJLWDVLWZLOOMXVW³IDOORIIWKHHQG´RIWKHTXHXHDVPRUHILOHVDUHVHQW
+RZHYHULI\RXKDYHVHQWDILOHLQHUURUDQGZDQWWRDYRLGDQ\FKDQFHRILWEHLQJ
4XHXHPJPW
UHSULQWHG\RXFDQVLPSO\GHOHWHLWE\VHOHFWLQJLWDQGFKRRVLQJ'HOHWH
-REQDPH
7RUHPRYHDMREWKDWKDVQRW\HWEHHQSULQWHGVLPSO\LGHQWLI\LWE\LWVSRVLWLRQLQ
'HOHWH3DJH WKHTXHXH VHHSDJH3RVLWLRQLQ4XHXH DQGGHOHWHLWE\FKRRVLQJ'HOHWH
$OOPHQXPRGHV
,IWKHMRELVFXUUHQWO\EHLQJSULQWHG LWVTXHXHSRVLWLRQLV DQG\RXZDQWERWKWR
FDQFHOWKHMREDQGWRGHOHWHLWILUVWSUHVVWKH&DQFHONH\DQGWKHQGHOHWHLWIURPWKH
TXHXH


0DQDJLQJ<RXU3ULQWV
0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH

0DNLQJ&RSLHVRID-RELQWKH4XHXH

+DVWKHMRE 'R\RXZDQW
DOUHDG\EHHQ RQHFRS\RU
SULQWHG" VHYHUDO" :KDWWRGR
<HV 2QH 8VH0RYHWRWRS VHHSDJH3ULRULWL]LQJD-RE
LQWKH4XHXH 
6HYHUDO 8VH&RSLHV VHHEHORZ DQGWKHQXVH0RYHWRWRS
VHHSDJH3ULRULWL]LQJD-RELQWKH4XHXH 
1R 2QH 8VH&RSLHV VHHEHORZ 
6HYHUDO 8VH&RSLHV VHHEHORZ

,QDOOFDVHVWKHMREPXVWEHVWLOOLQWKHTXHXH

+DYLQJVHOHFWHGWKHMREDQGFKRVHQ&RSLHVXVHWKHVFUROOLQJNH\VWRVSHFLI\WKH
4XHXHLQJ 1HVWLQJ
QXPEHURIFRSLHVUHTXLUHGDQGSUHVV(QWHU7KHQXPEHU\RXHQWHULVWKHDFWXDO
QXPEHURISDJHVWREHSULQWHGIRUH[DPSOHFKRRVLQJIRUDSDJHQRW\HWSULQWHG
4XHXHPJPW
PHDQV\RXZLOOJHWWKHRQHRULJLQDODQGRQHFRS\7KHPD[LPXPLV
-REQDPH
7KHVHWWLQJ\RXVSHFLI\LQWKLVRSWLRQRYHUULGHVDQ\YDOXHVHWE\\RXUVRIWZDUH
&RSLHV
1RWHWKDWLI5RWDWH VHHSDJH5RWDWLQJDQ,PDJH 3RVW6FULSW ZDVRQZKHQ
 \RXVHQWWKHILOHHYHU\FRS\ZLOOEHURWDWHGDOVR
$OOPHQXPRGHV
'HIDXOW


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV
127(1HVWLQJFDQRQO\EHXVHGZLWKUROOSDSHU

:KDWLV1HVWLQJ"

1HVWLQJPHDQVSODFLQJSDJHVVLGHE\VLGHRQWKHSDSHU UDWKHUWKDQRQHDIWHUWKH
RWKHU WRDYRLGZDVWLQJSDSHU

5ROO 'LUHFWLRQRI
SDSHUIORZ

3DSHUVDYHG

1HVWLQJRII

1HVWLQJRQ

&


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

$XWRPDWLF5RWDWLRQ
7KHSULQWHUPD\DXWRPDWLFDOO\URWDWHDSDJHLQQHVWLQJ VHHSDJH7XUQLQJ
1HVWLQJ2QRU2IIDQG&KRRVLQJWKH1HVWLQJ0HWKRG ,WPD\GRWKLVHYHQZLWKD
VLQJOHSDJH

'LUHFWLRQRI
SDSHUIORZ

3DSHUVDYHG 1HVWLQJRQZLWK 1HVWLQJRII


DXWRPDWLFURWDWLRQ

&

1HVWLQJRQ
ZLWKRXWDXWRPDWLFURWDWLRQ

3RVW6FULSW 7KHSULQWHU¶VDXWRPDWLFURWDWLRQGRHVQRWDSSO\WR3RVW6FULSWILOHV3RVW6FULSWILOHV
ZLOOSULQWLQWKHRULHQWDWLRQLQZKLFKWKH\ZHUHVHQWWRWKHSULQWHU


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

:KLFK3DJHV&DQQRWEH5RWDWHG"
$SDUWIURPREYLRXVSK\VLFDOOLPLWDWLRQVRQWKHUROODQ\+3*/SDJHFRQWDLQLQJ
UDVWHUGDWDZLOOQRWEHURWDWHG

& ,I\RXUSULQWHUGRHVQRWKDYHD+DUG'LVNLQVWDOOHGDQGGRHVQRWKDYH3RVW6FULSW
FDSDELOLWLHVWKHQURWDWLRQZLOOQRWZRUN
127(<RXFDQXSJUDGH\RXUSULQWHUZLWKDKDUGGLVNDQG3RVW6FULSWE\RUGHULQJ
DQXSJUDGHNLWVHH+RZWR2UGHU6XSSOLHVDQG$FFHVVRULHV

1HVWLQJDQGWKH5RWDWH)HDWXUH
6LQFHQHVWLQJPD\DXWRPDWLFDOO\URWDWHSDJHVWKH5RWDWHVHWWLQJLQWKH3DJHIRUPDW
PHQXLVLJQRUHGZKLOHQHVWLQJLVRQ

&0 7KHSULQWHU¶VDXWRPDWLFURWDWLRQGRHVQRWDSSO\WR3RVW6FULSWILOHV3RVW6FULSWILOHV
ZLOOSULQWLQWKHRULHQWDWLRQLQZKLFKWKH\ZHUHVHQWWRWKHSULQWHU

:KHQ'RHVWKH3ULQWHU7U\WR1HVW3DJHV"
:KHQDOOWKHIROORZLQJDUHWUXH
n 7KHSULQWHULVORDGHGZLWKUROOSDSHUUDWKHUWKDQVKHHWSDSHU
n ,QWKHIURQWSDQHOPHQXV4XHXHLV21 WKHGHIDXOW 6HHSDJH:KDWLVWKH
4XHXH"
n ,QWKHIURQWSDQHOPHQXV1HVWLV21 WKDWLVVHWWRHLWKHU2SWLPDORU,QRUGHU 
6HHSDJH7XUQLQJ1HVWLQJ2QRU2IIDQG&KRRVLQJWKH1HVWLQJ0HWKRG


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

:KLFK3DJHV4XDOLI\IRU1HVWLQJ"
,QRUGHUWREHLQWKHVDPHQHVWWKHLQGLYLGXDOSDJHVPXVWEHFRPSDWLEOHRQERWKWKH
IROORZLQJFULWHULD
n &RORURUJUH\VFDOH
127((LWKHUDOODUHFRORURUDOODUHJUH\VFDOH*UH\VFDOHPD\LQFOXGHDFRORUSDJH
UHQGHUHGLQJUD\VFDOHVE\XVHRIWKHIURQWSDQHO&RORU*UH\VFDOHNH\VHHSDJH
3ULQWLQJ&RORU,PDJHVLQ*UD\VFDOH

n )LOHVPXVWEHDWWKHVDPHGRWVSHULQFKVHWWLQJ
n $OOSDJHVPXVWKDYHWKHVDPHSULQWTXDOLW\VHWWLQJ %HVW1RUPDO'UDIW 
n 0DUJLQVL]HVPXVWEHWKHVDPHIRUDOOSDJHV QRUPDOH[WHQGHG 
n $OOSDJHVPXVWEH+3*/
n (TXDOSDJHDFFXUDF\VHHSDJH5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\
n (TXDOPLUURUVHWWLQJ


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

7XUQLQJ1HVWLQJ2QRU2IIDQG&KRRVLQJWKH1HVWLQJ
0HWKRG

48(8(,1* 1(67,1* 1HVW6HWWLQJ 3ULQWHU


V5HVSRQVH
6HOHFWHG
1HVW
2II 7KHSULQWHUZLOOQRWQHVWSDJHV
$OOPHQXPRGHV
'HIDXOW2II 2SWLPDO &KRRVHWKLVLI\RXZDQWWRXVHWKHOHDVWDPRXQWRISDSHU
7KHSULQWHUZLOOVHDUFKDOOWKURXJKWKHTXHXHIRUVXLWDEOHSDJHV
,WZLOOQHVWWKHSDJHVDFFRUGLQJWRDQDOJRULWKPWKDWIRUPRVW
FRPELQDWLRQVRISDJHVL]HVVDYHVWKHPRVWSDSHU7KHUHVXOWLQJ
QHVWLQJSDWWHUQPD\VWLOOYDU\GHSHQGLQJRQWKHVL]HRIWKHILUVW
SDJH
,QRUGHU &KRRVHWKLVLIWKHVSHHGZLWKZKLFK\RXUHFHLYH\RXUSULQWVLV
PRVWLPSRUWDQW7KHSULQWHUZLOOWU\WRQHVWSDJHVLQWKHLUTXHXH
VHTXHQFH,ILWFRPHVDFURVVDQLQFRPSDWLEOHSDJHLWZLOOVWRS
VHDUFKLQJDQGSULQWDQ\QHVWLWKDVDOUHDG\FUHDWHG

3RVW6FULSW 7KH2SWLPDOVHWWLQJGRHVQRWDIIHFW3RVW6FULSWILOHV,I2SWLPDOLVVHOHFWHGZKHQ
SULQWLQJD3RVW6FULSWILOH1HVWLQJZLOOIXQFWLRQDVLI,QRUGHULVVHOHFWHG

:KDW+DSSHQVWR1HVWLQJLI<RX7XUQ4XHXHLQJ2II"
7XUQLQJTXHXHLQJRIIGRHVQRWWXUQQHVWLQJRIIIRUSDJHVDOUHDG\LQWKHTXHXH7KH
SULQWHUSULQWVDOOWKHSDJHVLQWKHTXHXHEHIRUHDFFHSWLQJDQ\PRUHILOHV$VVRRQDV
\RXWXUQTXHXHLQJRIIWKHQHVWLQJVHWWLQJDOVRFKDQJHVWRRII:KHQTXHXHLQJLV
WXUQHGRQDJDLQWKHSULQWHUUHVWRUHVQHVWLQJWRLWVSUHYLRXVVHWWLQJ


0DQDJLQJ<RXU3ULQWV
$YRLGLQJ3DSHU:DVWHE\1HVWLQJ3DJHV

+RZ/RQJGRHVWKH3ULQWHU:DLWIRU$QRWKHU)LOH"
6RWKDWWKHSULQWHUFDQPDNHWKHEHVWQHVWSRVVLEOHLWZDLWVDIWHUDILOHKDVEHHQ
48(8(,1* 1(67,1*
UHFHLYHGWRFKHFNLIDVXEVHTXHQWSDJHZLOOQHVWZLWKLWRUZLWKSDJHVDOUHDG\LQWKH
TXHXH7KLVZDLWLQJSHULRGLVWKHQHVWZDLWWLPH7KHIDFWRU\GHIDXOWQHVWZDLWWLPH
1HVW
LVWZRPLQXWHV7KLVPHDQVWKDWWKHSULQWHUZDLWVIRUXSWRWZRPLQXWHVDIWHUWKHODVW
2SWLPDO,QRUGHU ILOHLVUHFHLYHGEHIRUHSULQWLQJWKHILQDOQHVW<RXFDQFKDQJHWKLVZDLWLQJWLPHXVLQJ
WKHIURQWSDQHOPHQX7KHDYDLODEOHUDQJHLVWRPLQXWHV
PLQ
$OOPHQXPRGHV
:KLOHWKHSULQWHULVZDLWLQJIRUQHVWLQJWRWLPHRXWLWGLVSOD\VWKHUHPDLQLQJWLPHLQ
'HIDXOWPLQXWHV WKHIURQWSDQHOGLVSOD\<RXFDQSULQWWKHQHVW FDQFHOWKHQHVWZDLW E\SUHVVLQJWKH
)RUP)HHGDQG&XWNH\ 


0DQDJLQJ<RXU3ULQWV
1HVW6SDFLQJ 6HWWLQJWKHVSDFHLQEHWZHHQQHVWHGSDJHV

1HVW6SDFLQJ 6HWWLQJWKHVSDFHLQEHWZHHQQHVWHGSDJHV
7RJHWWKHPRVWIURP\RXUSDSHULWLVSRVVLEOHWRFKDQJHWKHVSDFHVLQEHWZHHQWKH
LPDJHVRQ\RXUSDSHU7KHUHVXOWRIWKLVLV\RXJHWPRUHLPDJHVRQWRWKHSDSHU
7KHUHDUHWZRVHWWLQJVIRUQHVWVSDFLQJ

$XWRPDWLF

7KHDXWRPDWLFVHWWLQJLVZKHQWKHSULQWHUXVHVPDUJLQVWKDWLWDOUHDG\KDVVHWVHH
SDJH$GMXVWLQJ0DUJLQVIRUGHWDLOVRQKRZWRVHWWKHVHPDUJLQV:KHQXVLQJ
WKHDXWRPDWLFVHWWLQJ\RXDUHJXDUDQWHHGWRNHHSWKHSDJHVL]HDVGHILQHGE\\RXU
GULYHUDQGDSSOLFDWLRQ

0DQXDO

&KRRVHWKHPDQXDOVHWWLQJZKHQLWLVPRUHLPSRUWDQWIRU\RXWREHDEOHWRSULQW
PRUHLPDJHVRQ\RXUSDSHUWKDQNHHSLQJWKHSDJHVL]HFRQVLVWHQW7KHVHWWLQJ
DOORZV\RXWRRYHUULGHWKHSULQWHUV¶PDUJLQVDQGSXWLQDQHVWVSDFHWKDW\RXZDQW
,QWKHH[DPSOHVKRZQEHORZWKHQHVWVSDFLQJLVVHWWRPP
'LUHFWLRQRI
SDSHUIORZ

1HVWVSDFLQJ
PP

%XWE\FKDQJLQJWKHQHVWVSDFLQJWRPP\RXDUHDEOHWRSULQWDOOIRXUSDJHVRQWR
WKHVDPHOLQHDOORZLQJPRUHHIILFLHQWXVHRIWKHPHGLD
'LUHFWLRQRI
SDSHUIORZ
1HVWVSDFLQJ
PP


0DQDJLQJ<RXU3ULQWV
1HVW6SDFLQJ 6HWWLQJWKHVSDFHLQEHWZHHQQHVWHGSDJHV

7RVHWWKHQHVWVSDFLQJJRWR3DJH)RUPDW1HVW6SDFLQJ

3DJH)RUPDW 1HVWVSDFLQJ 3ULQWHU¶VUHVSRQVH


VHWWLQJVHOHFWHG
1HVW6SDFLQJ
)XOOPHQXPRGHV PP 7KHSULQWHUOHDYHVDSSUR[LPDWHO\WKHJDSVHOHFWHGLQ
'HIDXOW$XWRPDWLF PP EHWZHHQSDJHVLQDQHVW7KHSULQWHUURXQGVXSRUGRZQWKH
PP JDSVHOHFWHGZLWKDPD[LPXPHUURURIPP
PP
PP
PP
PP


0DQDJLQJ<RXU3ULQWV
1HVW6SDFLQJ 6HWWLQJWKHVSDFHLQEHWZHHQQHVWHGSDJHV




5HFRQILJXULQJ<RXU
3ULQWHU


+3*/&RQILJXUDWLRQ3ULQW
9LHZLQJWKH&XUUHQW&RQILJXUDWLRQRIWKH)URQW3DQHO6HWWLQJV
9LHZLQJWKH&XUUHQW&RQILJXUDWLRQRIWKH)URQW3DQHO6HWWLQJV
7R&KDQJHWKH)URQW3DQHO6HWWLQJV
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\
&KDQJLQJWKH*UDSKLFV/DQJXDJH
&KDQJLQJWKH,QWHUIDFH6HWWLQJV
7R&KDQJHWKH,27LPHRXW6HWWLQJ
8SJUDGLQJ<RXU3ULQWHU
,PSURYLQJ3ULQWHU7KURXJKSXW


5HFRQILJXULQJ<RXU3ULQWHU
+3*/&RQILJXUDWLRQ3ULQW

+3*/&RQILJXUDWLRQ3ULQW
8WLOLWLHV 7RHQDEOH\RXWRVHHDOORIWKHVHWWLQJVWKDW\RXUSULQWFXUUHQWO\KDV\RXFDQSULQWD
+3*/5HIHUWRSDJH3ULQWLQJWKH&XUUHQW&RQILJXUDWLRQ
7HVW3ULQWV
+3*/&RQILJ ,WHP &RPPHQWV

3DSHU 3DSHU)RUPDW7HOOV\RXLIVKHHWSDSHULVORDGHGRUUROO
3DSHU7HOOV\RXZKDWW\SHRISDSHULVORDGHGVHHSDJH
3DSHU7\SHV
0D[;<'LVSOD\VZKDWWKHPD[LPXPSULQWLQJDUHDLVVHH
SDJH3ULQWDEOH$UHD

,QN6\VWHPV 7KLVJLYHVLQIRUPDWLRQRQWKHVWDWXVRIWKH+3,QN
6\VWHPVKRZPXFKLQNLVOHIWWKHVWDWXVRQWKHSULQWKHDG
HWF

4XHXHLQJ 1HVWLQJ 7KHFXUUHQWTXHXHLQJDQGQHVWLQJVHWWLQJVLQWKHIURQW


SDQHOPHQX
3DJH)RUPDW 7HOOV\RXLQIRUPDWLRQRQWKH0DUJLQVVL]HRISDSHUQHVW
VSDFLQJLIPLUURULQJLVRQRURIIWKHURWDWLRQVHWWLQJV
VFDOLQJ

+3*/VHWWLQJV &XUUHQW3DOHWWHDQG0HUJHVHWWLQJV

6WDWLVWLFV 7KHFRGHUHYLVLRQ'5$0SUHVHQWLQIRUPDWLRQRQWKH
+DUGGLVNLIWKHUHLVRQH3RVW6FULSWFRGHUHY3RVW6FULSW
)RQWUHYZKDWODQJXDJHWKHSULQWHULVVHWWRHJ(QJOLVK

,2VHWXS 1HWZRUNFDUGLQIR LILQVWDOOHG 


n '16QDPH
n $SSOLFDEOHQDPH
n ,3DGGUHVV
n +DUGZDUHDGGUHVV

'HYLFHVHWXS ,QIRUPDWLRQRQWKHJUDSKLFVODQJXDJHVWHUPLQDWRU
VHWWLQJVGU\LQJWLPHVHWWLQJVFXWWHUVHWWLQJVSULQWKHDG
FKHFNVHWWLQJV

,PDJHTXDOLW\ :KDWWKHFXUUHQWVHWWLQJVDUHIRULQNHPXODWLRQFRORU
FDOLEUDWLRQLQNOLPLWLQJ


5HFRQILJXULQJ<RXU3ULQWHU
9LHZLQJWKH&XUUHQW&RQILJXUDWLRQRIWKH)URQW3DQHO6HWWLQJV


9LHZLQJWKH&XUUHQW&RQILJXUDWLRQRIWKH)URQW3DQHO
6HWWLQJV
 0DNHVXUHHLWKHUDUROORUDVKHHWRISDSHULVORDGHG
 3ULQWWKH&XUUHQW&RQILJXUDWLRQ3ULQWE\SUHVVLQJWKH↑DQG↓NH\VVLPXOWDQHRXVO\
TOP

2Q2II3XVK
BACK
%XWWRQ
3UHVV7KHVH7ZR PRINT CURRENT
.H\V6LPXOWDQHRXVO\ CONFIGURATION
(PRESS BOTH KEYS

ENTER &

7KH&XUUHQW&RQILJXUDWLRQ3ULQWOLVWVLQDQHDV\WRUHDGIRUPDWDOOWKHLWHPV
DYDLODEOHLQWKHIURQWSDQHOPHQXVWRJHWKHUZLWKWKHLUFXUUHQWVHWWLQJV LQUHG
LWDOLFV 1RWHWKDWVRPHRIWKHLWHPVGRQ
WDSSHDULQWKHIURQWSDQHOGLVSOD\XQOHVV
\RXKDYHVHW0HQXPRGHVHOHFWLRQWR)XOOLQWKH8WLOLWLHVPHQX WKHGHIDXOWLV)XOO 
6HHWKHOHJHQGDWWKHERWWRPRIWKHSULQWIRUGHWDLOV

+3&32QO\ 127(7KH3RVW6FULSWFRQILJXUDWLRQSULQWLVSULQWHGZKHQ\RXSUHVVWKHNH\VDERYH
7RSULQWWKH+3*/FRQILJXUDWLRQSULQWVHOHFW+3*/FRQILJLQWKH,17(51$/
35,176PHQX

7R&KDQJHWKH)URQW3DQHO6HWWLQJV
3DJH1DYLJDWLQJWKH0HQX6\VWHPH[SODLQVKRZWRXVHWKHIURQWSDQHO
7KHVHJUDSKLFVDUH GLVSOD\LQFOXGLQJKRZWRFKDQJHDQ\RIWKHVHWWLQJV,WDOVRH[SODLQVWKHVPDOOPHQX
H[SODLQHGLQ
JUDSKLFVWKDWDSSHDULQWKHOHIWPDUJLQVRIWKLVPDQXDOZKHQHYHUDSDUWLFXODUPHQX
LWHPLVH[SODLQHG
FKDSWHU
7KHPHDQLQJVRIDOOWKHLWHPVLQWKHIURQWSDQHOPHQXVDUHH[SODLQHGDWWKHUHOHYDQW
SRLQWLQWKLVPDQXDO5HIHUWRWKHLQGH[DWWKHEDFNRIWKHPDQXDOIRUWKHLWHP\RX
ZDQWWRFKDQJH


5HFRQILJXULQJ<RXU3ULQWHU
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\

5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\

:KHQWR5HFDOLEUDWHWKH3ULQWHU
<RXUSULQWHUZDVFDOLEUDWHGDWWKHIDFWRU\WRHQVXUHWKDWLWRSHUDWHVZLWKWKHJUHDWHVW
DFFXUDF\LQQRUPDOHQYLURQPHQWDOFRQGLWLRQV,I\RXDUHRSHUDWLQJXQGHU
87,/,7,(6
VLJQLILFDQWO\GLIIHUHQWFRQGLWLRQV\RXVKRXOGUHFDOLEUDWHWKHSULQWHUDVH[SODLQHG
KHUH7KHSULQWHU
VHQYLURQPHQWDOVSHFLILFDWLRQVDUHJLYHQRQSDJH<RXPD\
&DOLEUDWLRQV DOVRQHHGWRUHFDOLEUDWHWKHSULQWHULI\RXKDYHLPDJHTXDOLW\SUREOHPV%HIRUH
UHFDOLEUDWLQJWKHSULQWHU\RXVKRXOGDOZD\VXVHWKHSULQWTXDOLW\SULQWWRYHULI\WKDW
$FFXUDF\ \RXGRKDYHLPDJHTXDOLW\SUREOHPV,I\RXQHHGWRUHFDOLEUDWHWKHSULQWHU\RXZLOO
EHLQVWUXFWHGLQWKHSULQWTXDOLW\SULQWSURFHGXUH6HHSDJH+RZWR8VHWKH
5HFDOLEUDWH
3ULQW4XDOLW\3ULQWIRUGHWDLOHGLQVWUXFWLRQV
)XOOPHQXPRGH
RQO\
7R5HFDOLEUDWHWKH3ULQWHU
 &KRRVH\RXUSDSHUW\SH)RULQIRUPDWLRQRQSDSHUW\SHVVHHWKH+33DSHU*XLGH
SURYLGHGZLWK\RXUSULQWHU
 *RWR5HFDOLEUDWHLQWKHIURQWSDQHOPHQXVDVVKRZQLQWKHOHIWPDUJLQRIWKLVSDJH
 &KRRVH&UHDWHSDWWHUQ7KHIURQWSDQHOGLVSOD\V

$&&85$&<

&DOLEUDWLQJ

 :KHQSURPSWHGORDG\RXUSDSHUXVLQJWKHSURFHGXUHLQFKDSWHU:RUNLQJZLWK
3DSHU,IXVLQJVKHHWSDSHUORDGLWLQSRUWUDLWRULHQWDWLRQXQOHVV\RXFKRVH'$
VL]HSDSHUIRUDQ($VL]HSULQWHULQZKLFKFDVHORDGLWLQODQGVFDSHRULHQWDWLRQ
 :KHQWKHFDOLEUDWLRQSULQWLVILQLVKHGUHPRYHLW


5HFRQILJXULQJ<RXU3ULQWHU
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\

 :KHQ\RXDUHVXUHWKDWWKHSDSHULVGU\URWDWHWKHVKHHW°FRXQWHUFORFNZLVHDQG
UHORDGLWSULQWHGVLGHIDFLQJXSZDUGVVRWKDWWKHEODFNDUURZVJRLQWRWKHSULQWHU
ILUVW
  

C4704038

 *RWR5HFDOLEUDWHDJDLQDQGFKRRVH0HDVXUHSDWWHUQ

:KHQWKHSULQWHUKDVILQLVKHGPHDVXULQJDQGKDVHMHFWHGWKHVKHHWWKHUHFDOLEUDWLRQ
SURFHGXUHLVILQLVKHG

87,/,7,(6
7R5HVWRUHWKH)DFWRU\
V&DOLEUDWLRQ
&DOLEUDWLRQV ,I\RXQRWLFHWKDWDIWHUWKHFDOLEUDWLRQWKHUHVXOWVDUHZRUVHWKDQEHIRUH\RXFDQ
UHWXUQWKHVHWWLQJEDFNWRWKHRULJLQDOVHWWLQJ
$FFXUDF\
5HVWRUH
IDFWRU\
)XOOPHQXPRGH
RQO\


5HFRQILJXULQJ<RXU3ULQWHU
&KDQJLQJWKH*UDSKLFV/DQJXDJH

&KDQJLQJWKH*UDSKLFV/DQJXDJH
<RXUVRIWZDUHDSSOLFDWLRQFRPPXQLFDWHVZLWKWKHSULQWHUE\DJUDSKLFVODQJXDJH
7KHSULQWHU
VGHIDXOWODQJXDJHVHWWLQJFDOOHG$XWRPDWLFLWZRUNVIRUPRVWVRIWZDUH
DSSOLFDWLRQV,Q$XWRPDWLFPRGHWKHSULQWHUGHWHUPLQHVZKLFKW\SHRIILOHLWLV
UHFHLYLQJLH3RVW6FULSWRU+3*/DQGSULQWVLW8QOHVV\RXDUHWURXEOHVKRRWLQJ
DQ\RIWKHSUREOHPVOLVWHGXQGHU&RPPHQWVLQWKHWDEOHEHORZ\RXVKRXOGQRWQHHG
WRFKDQJHWKLVGHIDXOW
'(9,&(6(783

/DQJ 7R&KDQJHWKH*UDSKLFV/DQJXDJH6HWWLQJ
)XOOPHQXPRGHRQO\
'HIDXOWV
7RFKDQJHWKHJUDSKLFVODQJXDJHVHWWLQJJRWRWKH'HYLFHVHWXS/DQJPHQX7KHUH
&0 $XWRPDWLF DUHILYHVHOHFWLRQVDVIROORZV
& +3*/

/DQJXDJH &RPPHQWV

$XWRPDWLF &KRRVH$XWRPDWLFWROHWWKHSULQWHUGHWHUPLQHZKLFKW\SHRIILOHLWLV
UHFHLYLQJ7KLVVHWWLQJZRUNVIRUPRVWVRIWZDUHDSSOLFDWLRQV

+3*/ &KRRVHWKLVVHWWLQJLI\RXDUHQRWZRUNLQJZLWK3RVW6FULSWILOHVDQG
n \RXKDYHH[SHULHQFHGLPDJHSRVLWLRQSUREOHPV
n \RXKDYHH[SHULHQFHGWLPLQJSUREOHPV

+3*/ &KRRVHWKLVVHWWLQJLI\RXDUHXVLQJDQREVROHWH+3 SHQSORWWHU GULYHU


DQG\RXUSULQWVDUHLQFRPSOHWH
7KLVZRUNVVXFFHVVIXOO\ZLWKPRVW&$'DSSOLFDWLRQV:LWKWKLVJUDSKLFV
ODQJXDJHDQRWKHUVHWWLQJLVDYDLODEOH7HUPLQDWRU7U\FKDQJLQJWKLVVHWWLQJ
IURP³QRUPDO´ WKHGHIDXOW WR³VSHFLDO´

&$/6* &KRRVHWKLVVHWWLQJLI\RXUILOHVDUHLQWKH&$/6*ODQJXDJH7KLVPXVWEH
VHOHFWHGEHFDXVHWKH$XWRPDWLFVHWWLQJLVQRWVXIILFLHQW,I\RXVHOHFWWKH
&$/6*VHWWLQJWRSULQWD&$/6ILOHWKHSULQWHUPXVWEHUHWXUQHGWRWKH
GHIDXOWVHWWLQJDIWHUZDUGVWRHQDEOHSULQWLQJLQRWKHUODQJXDJHV

3RVW6FULSW &KRRVH3RVW6FULSWLI\RXDUHSULQWLQJRQO\3RVW6FULSWILOHVDQG\RXU
3RVW6FULSWMREVGRQRWLQFOXGH3-/ODQJXDJHVZLWFKLQJFRPPDQGV


5HFRQILJXULQJ<RXU3ULQWHU
&KDQJLQJWKH*UDSKLFV/DQJXDJH

*UDSKLFV/DQJXDJHDQG1HWZRUNV
)RUV\VWHPDGPLQLVWUDWRUV

,I\RXDUHXVLQJWKHSULQWHUZLWKDQHWZRUNVSRROHUFRQVLGHUKDYLQJ\RXUV\VWHP
DGPLQLVWUDWRUPRGLI\WKHVSRROHUWRLQVHUWDXWRPDWLFDOO\WKH3-/ODQJXDJH
VZLWFKLQJFRPPDQGVDWWKHEHJLQQLQJDQGHQGRIHDFKILOH7KLVDOORZVWKHSULQWHU
WRVZLWFKDXWRPDWLFDOO\LQWRWKHFRUUHFWJUDSKLFVODQJXDJHIRU\RXUFXUUHQWSULQWDQG
UHWXUQVWKHSULQWHUWRWKHIURQWSDQHOJUDSKLFVODQJXDJHVHWWLQJIRUVXEVHTXHQWSULQWV
)RULQIRUPDWLRQRQRUGHULQJ3-/UHIHUHQFHLQIRUPDWLRQVHHSDJH2UGHULQJ
$FFHVVRULHV

&0 7KH+33RVW6FULSWSULQWHUGULYHUIRU:LQGRZVSURYLGHGZLWK\RXUSULQWHUDGGV
WKH3-/ODQJXDJHVZLWFKLQJFRPPDQGVWR\RXURXWSXWILOHDOORZLQJWKHSULQWHU
WRVZLWFKJUDSKLFVODQJXDJHVDXWRPDWLFDOO\
127(:KHQXVLQJD0DFLQWRVK\RXVKRXOGVHOHFWWKH$XWRPDWLFRU3RVWVFULSW
VHWWLQJRWKHUZLVH\RXZLOOQRWEHDEOHWRFRQQHFWWRWKHSULQWHU

127(,I\RXDUHZRUNLQJZLWKDPXOWLODQJXDJHHQYLURQPHQWVHOHFWDXWRPDWLF


5HFRQILJXULQJ<RXU3ULQWHU
&KDQJLQJWKH,QWHUIDFH6HWWLQJV

&KDQJLQJWKH,QWHUIDFH6HWWLQJV
1HWZRUN
,26(783

1HWZRUN&DUG
:LWKDQHWZRUNLQWHUIDFH VXFKDVWKH+3-HW'LUHFW3ULQW6HUYHU UHIHUWR\RXU
QHWZRUNLQWHUIDFHGRFXPHQWDWLRQIRUDGYLFHRQDQ\IURQWSDQHOFRQILJXUDWLRQ7KH
&RQILJXUDWLRQ IURQWSDQHOPHQXLV,26HWXS1HWZRUN&DUG&RQILJXUDWLRQ
)XOOPHQXPRGHRQO\

7R&KDQJHWKH,27LPHRXW6HWWLQJ
6RPHVRIWZDUHDSSOLFDWLRQVGRQRWZULWHDILOHWHUPLQDWRUDWWKHHQGRIDILOH,QWKLV
,26(783 FDVHWKHSULQWHUGRHVQRWNQRZZKHQWKHILOHLVFRPSOHWHDQGZLOOZDLWIRUPRUH
GDWDXQWLOWKHHQGRIWKH³,27LPHRXW´SHULRG%\GHIDXOWWKLVSHULRGLV
,27LPHRXW
PLQXWHV<RXFDQFKDQJHWKHWLPHRXWVHWWLQJLQWKHIURQWSDQHOPHQXWRDVOLWWOHDV
)XOOPHQXPRGHRQO\ VHFRQGV
'HIDXOWPLQ


5HFRQILJXULQJ<RXU3ULQWHU
8SJUDGLQJ<RXU3ULQWHU


8SJUDGLQJ<RXU3ULQWHU
,QVWDOOLQJDKDUGGULYH
7KHILOHW\SHVWKDWWDNHDGYDQWDJHIURPKDYLQJDKDUGGULYHDUH
n 3XUHUDVWHULPDJHV UHQGHUVVROLGPXUDOV
n FRPSOH[OLQHGUDZLQJV
n FRPSOH[GUDZLQJVPL[LQJOLQHVDQGEDFNJURXQGV
,I\RXDUHXVLQJDQH[WHUQDO5,3\RXGRQRWQHHGDQH[WHUQDOKDUGGLVN
,I\RXDUHXVLQJWKHSRVWVFULSWRSWLRQLQD+3'HVLJQ-HW&LWLVVWURQJO\
UHFRPPHQGHGWKDW\RXXVHWKHKDUGGLVNWRHQKDQFHWKHSHUIRUPDQFH
3ULQWHU+DUGZDUH&RQILJXUDWLRQ
7KHIROORZLQJWDEOHVKRZVWKHGLIIHUHQWXSJUDGHRSWLRQVWKDWDUHDYDLODEOHZLWK
WKHLUDGYDQWDJHVDQGGLVDGYDQWDJHV

&RQILJXUDWLRQ %HQHILW &RPPHQWV


'HVLJQMHW& %DVLFIXQFWLRQDOLW\
'HVLJQMHW&+DUG'LVN 1RWDYDOLG2SWLRQ H[WUDPHPRU\UHTXLUHG
'HVLJQMHW&([WUD0HPRU\ &RPSOH[ILOHSULQWLQJ
'HVLJQMHW&([WUD0HPRU\  )DVWHUSURFHVVLQJDQGYHU\FRPSOH[ILOHSULQWLQJ /LPLWLQJ
+DUG'LVN 5HSULQWRIFRPSOH[ILOHV PD[LPXPSORW
(QKDQFHGTXHXHLQJDQGQHVWLQJ OHQJWK VHH
WDEOHEHORZ
'HVLJQMHW&([WUD0HPRU\  1RWUHFRPPHQGHGEHFDXVH\RXPD\QHHGDDGGLWLRQDO
3RVW6FULSW8SJUDGH.LW KDUGGLVN
'HVLJQMHW&([WUD0HPRU\  )XOO3RVWVFULSWVXSSRUW /LPLWLQJ
3RVW6FULSW8SJUDGH.LW+DUG )DVWHUSURFHVVLQJDQGYHU\FRPSOH[ILOHSULQWLQJ PD[LPXPSORW
'LVN (DV\UHSULQWRIILOHV OHQJWK VHH
4XHXHLQJDQG1HVWLQJ WDEOHEHORZ
'HVLJQMHW&0 )XOO3RVWVFULSWVXSSRUW /LPLWLQJ
)DVWHUSURFHVVLQJDQGYHU\FRPSOH[ILOHSULQWLQJ PD[LPXPSORW
(DV\UHSULQWRIILOHV OHQJWK VHH
4XHXHLQJDQG1HVWLQJ WDEOHEHORZ
'HVLJQMHW&0([WUD )XOO3RVWVFULSWVXSSRUW /LPLWLQJ
0HPRU\ )DVWHUSURFHVVLQJDQGYHU\FRPSOH[ILOHSULQWLQJ PD[LPXPSORW
(DV\UHSULQWRIILOHV OHQJWK VHH
4XHXHLQJDQG1HVWLQJ WDEOHEHORZ
0RGXOHVRI0%0%RU0%XSWRDWRWDORI0%


5HFRQILJXULQJ<RXU3ULQWHU
8SJUDGLQJ<RXU3ULQWHU
8SJUDGLQJ0HPRU\
,I\RXRFFDVLRQDOO\JHW³2XWRIPHPRU\´HUURUPHVVDJHVZKHQSULQWLQJWKLVPD\EH
DQLQGLFDWLRQWKDW\RX\RXUSULQWILOHVUHTXLUHPRUHPHPRU\LQ\RXUSULQWHU$GGLQJ
PHPRU\PD\DOVRVOLJKWO\LPSURYHSHUIRUPDQFHZKHQSULQWLQJVRPHILOHV

/RQJ$[LV3ULQWLQJ/LPLWDWLRQV

7RVWDUWWKHKDUGGLVN\RXUSULQWHUQHHGVDPLQLPXPRI0%RI5$0PHPRU\
:LWKWKLVPLQLPXPDPRXQWRIPHPRU\WKHUHDUHFHUWDLQOLPLWDWLRQVLQSULQWHU
OHQJWK,QVRPHFDVHVDGGLQJH[WUDPHPRU\FDQPLQLPL]HWKHVHOLPLWDWLRQV7KH
ILJXUHVVKRZQEHORZDUHDSSUR[LPDWHDQGPD\GLIIHUGHSHQGLQJRQILOHFRQWHQWV

0E 0E 0E 0E 0E


GSL GSL GSL GSL GSL GSL GSL GSL GSL GSL
1RWXVLQJ
3RVW6FULSW
/LQHV+3*O LQ LQ LQ LQ LQ LQ LQ LQ LQ LQ
P P P P P P P P P P
5DVWHURQO\ LQPDWGSL
ILOHVLQ5*% LQPDWGSL
IRUPDW
5DVWHURQO\ 1RWDIIHFWHGE\KDUGGULYH
ILOHVLQ5*% 8QOLPLWHGSULQWLQJOHQJWK
IRUPDW
3RVW6FULSW
$OOW\SHVRI LQP LQP LQP LQP LQP
FRQWHQWV

&0 7KH&0SULQWHUFRPHVZLWK0%RIPHPRU\<RXFDQH[SDQGWKLVPHPRU\
XSWRDPD[LPXPRI0%E\LQVWDOOLQJ0%0%RU0%PHPRU\
',006,QDGGLWLRQWRWKLVPHPRU\WKHSULQWHUKDVDQLQWHUQDOKDUGGLVNGULYH
XVHGDVH[WHQGHGPHPRU\IRU3RVW6FULSWUHQGHULQJDQGSULQWPDQDJHPHQW

)RUSDUWQXPEHUVVHHSDJH0HPRU\0RGXOHV


5HFRQILJXULQJ<RXU3ULQWHU
8SJUDGLQJ<RXU3ULQWHU


& 7KH&SULQWHUFRPHVZLWK0%RIPHPRU\<RXFDQH[SDQGWKHPHPRU\
XSWRDPD[LPXPRI0%E\LQVWDOOLQJDGGLWLRQDO0%0%DQG0%
PHPRU\H[SDQVLRQPRGXOHV

<RXFDQDOVRXSJUDGH\RXSULQWHUZLWKDKDUGGLVNWKHUHLVDQ+3NLWDYDLODEOHIRU
WKHSDUWQXPEHUVVHHSDJH2UGHULQJ$FFHVVRULHV


5HFRQILJXULQJ<RXU3ULQWHU
,PSURYLQJ3ULQWHU7KURXJKSXW

,PSURYLQJ3ULQWHU7KURXJKSXW
7KHUHDUHPDQ\IDFWRUVWKDWDIIHFWWKHSHUIRUPDQFHRI\RXUSULQWHU6KRZQEHORZDUH
VRPHVHWWLQJVWKDW\RXPD\FKDQJHLQRUGHUWRJHWWKHEHVWSHUIRUPDQFH

3RVW6FULSW2QO\ 4XHXHLQJ

,ITXHXHLQJLVVHWWR21WKHILUVWILOHWREHSULQWHGZLOOWDNHORQJHUWKDQLI
TXHXHLQJLVWXUQHGRIIEXWWKHVXEVHTXHQWMREVZLOOEHIDVWHUZLWKTXHXHLQJ21
EHFDXVHWKHQWKHLQFRPLQJMREVFDQEHSURFHVVHGZKLOHWKHSUHYLRXVRQHLVEHLQJ
SULQWHG7KLVPHDQVWKDWLI\RXVHQGRQO\RQHMREDQG\RXZDQWWRJHWLWSULQWHGDV
IDVWDVSRVVLEOHLWLVEHWWHUWRVHWTXHXHLQJWR2))

6HHSDJH0DQDJLQJ3DJHV1RW<HW3ULQWHG WKH4XHXH 

,QN(PXODWLRQ

8VLQJLQNHPXODWLRQLQFUHDVHVWKHWLPHWRSURFHVVDILOHEHFDXVHDOORIWKHFRORUV
LQWKHILOHDUHFRQYHUWHG

7RLPSURYHVSHHGXVHLQNHPXODWLRQDWWKHVHWWLQJ1DWLYHVHHSDJH6HOHFWLQJ
WKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\ 

)LOHFRGLQJ

0DQ\DSSOLFDWLRQVDOORZ\RXWRXVH%LQDU\RU$6&,,HQFRGLQJWRVHQGWKH
LPDJHV6HOHFW%LQDU\ZKHQHYHUSRVVLEOHVLQFH%LQDU\LVDORWIDVWHUWKDQ$6&,,
LQVHQGLQJWKHLPDJHVWRWKHSULQWHU

0DFLQWRVKRQO\ %DFNJURXQGSULQWLQJ 0DFLQWRVKRQO\

8VLQJEDFNJURXQGSULQWLQJSHQDOL]HVWKHSHUIRUPDQFHRIWKHSULQWHUWKHOHVV
SRZHUIXO\RXU0DFLQWRVKLVWKHORQJHUWKHVHQGLQJWLPHZLOOEH




&RQWUROOLQJ,PDJH
4XDOLW\


6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\ 


&DOLEUDWLQJWKH&RORU2XWSXW 3RVW6FULSWRQO\ 
+RZWR8VHWKH3ULQW4XDOLW\3ULQW 
$OLJQLQJWKH3ULQWKHDGV 


&RQWUROOLQJ,PDJH4XDOLW\
6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\

6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\
<RXUSULQWHUFDQHPXODWHWKHFRORUEHKDYLRURIRIIVHWSULQWLQJSUHVVHVDOORZLQJ\RX
WRXVH\RXUSULQWHUIRUFRORUSURRILQJ7RJHWDFFXUDWHFRORUVIRU\RXUSURRIVHOHFW
WKHFRORUHPXODWLRQPRGHWKDWPDWFKHV\RXURIIVHWSULQWLQJVWDQGDUGV7KH
,0$*(48$/,7<
VHOHFWLRQVDUH
,QNHPXO ■ 1DWLYH1RLQNHPXODWLRQ
■ 6:23866SHFLILFDWLRQIRU:HE2IIVHW3ULQWLQJ
$OOPHQXPRGHV
'HIDXOW(XURVFDOH ■ 72<2-DSDQHVHVWDQGDUGIRURIIVHWSUHVV
■ (XUR6FDOH(XURSHDQVWDQGDUGIRURIIVHWSUHVV

,QN/LPLWLQJ
,0$*(48$/,7<
,I\RXUDSSOLFDWLRQJHQHUDWHV&<0.FRORUYDOXHVDQG\RXVHOHFW1DWLYHLQN
HPXODWLRQ 1RFRORUDGMXVWPHQW WKHSULQWHUPD\DSSO\DQH[FHVVLYHDPRXQWRILQN
,QN/LPLWLQJ ZKLFKPD\FDXVHWKHSDSHUWRZULQNOHRQVRPHW\SHVRISDSHU,QH[WUHPHFDVHV
PRUHWKDQLQNGHQVLW\ FRDWHGSDSHUVPD\EHFRPHVDWXUDWHGUHVXOWLQJLQWKH
$OOPHQXPRGHV SULQWKHDGFRPLQJLQWRFRQWDFWZLWKWKHSDSHUFDXVLQJVHULRXVSULQWKHDGGDPDJH
'HIDXOW2Q

7RDYRLGWKLVSUREOHP\RXFDQVHOHFW,QN/LPLWLQJ7KLVVHWWLQJZLOOOLPLWWKH
DPRXQWRILQNWKDWWKHSULQWKHDGZLOOSULQW


&RQWUROOLQJ,PDJH4XDOLW\
6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\

&DOLEUDWLQJWKH&RORU2XWSXW 3RVW6FULSWRQO\
&RORUFDOLEUDWLRQLPSURYHVFRORUFRQVLVWHQF\EHWZHHQSULQWVDQGIURPRQHSULQWHU
WRDQRWKHU7KHSULQWHUZLOOVHQVHWKHHQYLURQPHQWDQGDQDO\]HWKHSULQWKHDGVWDWXV
ZLWKRXWVWRSSLQJWKHSULQWHU8VLQJWKLVLQIRUPDWLRQDFRORUFDOLEUDWLRQLVSHUIRUPHG
DQGDSSOLHGWRWKHLPDJH7KLVHQDEOHVWKHSULQWHUWRFRPSHQVDWHIRUYDULDWLRQV
EHWZHHQSULQWKHDGVDQGFKDQJHVLQWKHRSHUDWLQJHQYLURQPHQWWKDWDIIHFWFRORU7KH
,0$*(48$/,7<
PHQXVHWWLQJVIRU&RORUFDOLEUDWLRQDUH
&RORUFDOLE
2Q 7KHSULQWHUXVHVWKHFDOLEUDWLRQWKHSULQWHUKDVSHUIRUPHGEHIRUHSULQWLQJD
$OOPHQXPRGHV
'HIDXOW2Q SDJH
2II 7KHSULQWHUGRHVQRWXVHWKHFRORUFDOLEUDWLRQSHUIRUPHG


&RQWUROOLQJ,PDJH4XDOLW\
+RZWR8VHWKH3ULQW4XDOLW\3ULQW

+RZWR8VHWKH3ULQW4XDOLW\3ULQW
127(7KHIROORZLQJSURFHGXUHLVKRZWRXVHWKHSULQWTXDOLW\SULQWIRUDPRUH
GHWDLOHGVWHSE\VWHSWURXEOHVKRRWLQJRIVRPHLPDJHTXDOLW\SUREOHPVVHHSDJH
6ROYLQJ,PDJH4XDOLW\3UREOHPV

:KDWLVWKH3ULQW4XDOLW\3ULQW"
<RXUSULQWHUSURYLGHV\RXZLWKDQLQWHUQDOSULQWTXDOLW\SULQW7KLVJXLGHV\RXWR
GLDJQRVHWKHSRVVLEOHVRXUFHRI\RXUSULQWTXDOLW\GHIHFWV7KHSULQWTXDOLW\SULQWLV
GLYLGHGLQWRWKUHHSDUWV
D 1R]]OHSULQWWHVWGHVLJQHGWRFKHFNLIWKHSULQWKHDGQR]]OHVSULQWFRUUHFWO\
E &RORUDOLJQPHQWWHVWGHVLJQHGWRFKHFNDQ\FRORUWRFRORUPLVDOLJQPHQW\RXU
SULQWHUPD\KDYH
F 2YHUDOOSULQWTXDOLW\LQ%(67PRGHVSHFLILFDOO\GHVLJQHGWRGLDJQRVHEDQGLQJ
SUREOHPVLQKLJKGHQVLW\DUHDV

&RQVLGHUDWLRQVIRU3ULQWLQJWKH3ULQW4XDOLW\3ULQW
 7KHSULQWTXDOLW\SULQWVLQ$DQG%VL]HVVR\RXPXVWKDYHPHGLDORDGHG UROORU
VKHHW WKDWLVWKLVVL]HRUODUJHU
 8VHWKHVDPHW\SHRIPHGLDWKDW\RXZHUHXVLQJZKHQ\RXIRXQGWKHLPDJHTXDOLW\
SUREOHP
 ,I\RXDUHXVLQJQRQ+3PHGLDDQGDIWHUWKH3ULQW4XDOLW\3ULQWWHVW\RXVWLOOKDYH
WKHVDPHTXDOLW\SUREOHPVFKDQJHWRJHQXLQH+3PHGLDDQGUHSHDWWKH3ULQW
4XDOLW\3ULQWWHVW
 ,I\RXGRQRWVHHDQ\SUREOHPVZLWKWKHSULQWTXDOLW\SULQWWKHQWKHSUREOHPPD\
QRWEHZLWKWKHSULQWHULWVHOI7KHSUREOHPPD\EHZLWK\RXU5,3RU\RXUGULYHUIRU
H[DPSOH6HHSDJH1R3ULQWLQJ'HIHFWV)RXQGLQWKH3ULQW4XDOLW\3ULQWIRU
PRUHWURXEOHVKRRWLQJLQIRUPDWLRQ
+RZHYHULI\RXGRVHHSUREOHPVZLWKWKHSULQWTXDOLW\SULQWSDWWHUQWKHQFRQWLQXH
ZLWKWKHIROORZLQJSURFHGXUHVWKH\ZLOOKHOS\RXGLDJQRVHWKHSUREOHP


&RQWUROOLQJ,PDJH4XDOLW\
+RZWR8VHWKH3ULQW4XDOLW\3ULQW

3ULQWLQJWKH3ULQW4XDOLW\3ULQW
 *RWRWKHSULQWHUVXEPHQXDQGSUHVV(QWHU

8WLOLWLHV 5HDG\
7HVW3ULQWV
,QN

CYAN
3ULQW4XDOLW\ 0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 6HOHFW3ULQW4XDOLW\IURPWKH8WLOLWLHV7HVW3ULQWVPHQXWKHQSUHVV(QWHUWRSULQWWKH
WHVW

7KHSULQWHUZLOOSULQWRXWDVHULHVRILPDJHV7KHSULQWTXDOLW\SULQWLVGLVSOD\HGRQ
WKHQH[WSDJH


&RQWUROOLQJ,PDJH4XDOLW\
+RZWR8VHWKH3ULQW4XDOLW\3ULQW

1RWHWR3ULQWHU
6WULSLQ3ULQW4XDOLW\3ULQWVFDQKHUH
DVVKRZQLQSULQWHGVDPSOH


&RQWUROOLQJ,PDJH4XDOLW\
1R]]OH3ULQW7HVW

1R]]OH3ULQW7HVW
7KHQR]]OHSULQWWHVWLVORFDWHGRQWKHSULQWTXDOLW\SULQWLQWKHWRSVHFWLRQ,QWKLV
WHVWWKHQR]]OHVWKDWHDFKSULQWKHDGXVHVWRSULQWZLWKDUHWHVWHG
7KLVLVZKDW\RXZRXOGVHHLIWKHUHDUHQR]]OHVQRWSULQWLQJFRUUHFWO\
3
0LVVLQJ/LQHV 0LVGLUHFWHG/LQHV

&

3DUWLDO3ULQWLQJ 8QHTXDO6SDFLQJ
0LVVLQJ/LQHV &

 ,QWKHWRSSDWWHUQRIWKHSULQWTXDOLW\SULQWWKHUHLVDVHULHVRIVWHSSHGGLDJRQDOOLQHV
LIRQHRUPRUHRIWKHQR]]OHVDUHPDOIXQFWLRQLQJRUPLVSRVLWLRQHG\RXZLOOVHHWKDW
WKHVWHSSHGOLQHVDUHEURNHQRUPLVGLUHFWHGLQRQHRUPRUHSODFHV
 %HORZWKHWRSSDWWHUQRQWKHSULQWTXDOLW\SULQWWKHUHLVDVHULHVRIKRUL]RQWDOVWUDLJKW
OLQHV,IRQHRUPRUHQR]]OHVDUHPLVGLUHFWHGWKHUHZLOOEHXQHTXDOVSDFHVEHWZHHQ
WKHFRUUHVSRQGLQJOLQHV


&RQWUROOLQJ,PDJH4XDOLW\
1R]]OH3ULQW7HVW

+RZWRIL[WKH1R]]OH'HIHFWV
127( ,I\RXUSULQWHUKDVQR]]OHGHIHFWVLWGRHVQRWPHDQWKDW\RXZLOOQRWJHWSHUIHFW
LPDJH TXDOLW\ UHVXOWV 7KH SULQWHU KDV DXWRPDWLF SURFHGXUHV WR KLGH PDQ\
QR]]OHGHIHFWV7KLVW\SHRISUREOHPDIIHFWVPRVWO\1RUPDODQG'UDIWPRGHV

 *RWRWKH3ULQWHUVXEPHQXDQGSUHVV(QWHU
8WLOLWLHV
5HDG\
5HFRYHU
3ULQWKHDGV
$OOF\DQPDJHQWD ,QN

\HOORZEODFN CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 *RWRWKH8WLOLWLHV5HFRYHU3ULQWKHDGV
 6HOHFWWKHSULQWKHDGFRORUWKDWLVUHVSRQVLEOHIRUWKHSUREOHP7KHSULQWHUZLOOWU\WR
µ5HFRYHU¶WKHGHIHFWLYHSULQWKHDG,I\RXDUHQRWVXUHZKLFKSULQWKHDGFRORULV
JLYLQJ\RXWKHSUREOHPVHOHFWDOORIWKHSULQWKHDGV3OHDVHZDLWDVWKHSURFHVVRI
UHFRYHU\WDNHVDIHZPLQXWHV
 5HSULQWWKHSULQWTXDOLW\SULQWDVGHVFULEHGRQSDJH3ULQWLQJWKH3ULQW4XDOLW\
3ULQWWRFKHFNWKHGHIHFWLYHQR]]OHVKDYHEHHQFRUUHFWHG
 ,IWKHHUURULVVWLOOSUHVHQWUHSODFHWKHZRUVWSULQWKHDGVVHHSDJH3ULQWKHDG
5HPRYDO


&RQWUROOLQJ,PDJH4XDOLW\
&RORU$OLJQPHQW3ULQW7HVW


&RORU$OLJQPHQW3ULQW7HVW
7KLVSDUWRIWKHSULQWTXDOLW\SULQWLVGHVLJQHGWRFKHFNWKHFRORUDOLJQPHQW,W
SURGXFHVWZHOYH SDWWHUQVHDFKZLWKWZRGLIIHUHQWSULPDU\FRORUV,QHDFKSDWWHUQ
\RXZLOOVHHDFURVVVXUURXQGHGE\DQRWKHUFRORU,IWKHUHLVPLVDOLJQPHQWEHWZHHQ
WKHFRORUVWKHUHZLOOEHLQFRQVLVWHQWVSDFLQJEHWZHHQWKHFURVVDQGWKHRWKHUFRORU
7KHUHDUHWZRW\SHVRIPLVDOLJQPHQW
■ +RUL]RQWDOZKHQWKHPLVDOLJQPHQWLVLQWKHKRUL]RQWDOD[LV
■ 9HUWLFDOZKHQWKHPLVDOLJQPHQWLVLQWKHYHUWLFDOD[LV
%HORZDUHVKRZQWZRH[DPSOHVRIDOLJQPHQWDQGPLVDOLJQPHQW

&
FRUUHFW ,QFRUUHFW


&RQWUROOLQJ,PDJH4XDOLW\
&RORU$OLJQPHQW3ULQW7HVW

6ROYLQJWKH3UREOHP
 0DNHVXUH\RXKDYHSDSHUORDGHG QRWFOHDUILOPYHOOXPRUWUDFLQJSDSHU 
 *RWRWKHSULQWHUVXEPHQXDQGSUHVV(QWHU

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 3HUIRUPWKH3ULQWKHDG$OLJQPHQW&DOLEUDWLRQ%\JRLQJWR8WLOLWLHV&DOLEUDWLRQ
8WLOLWLHV
3ULQWKHDG$OLJQPHQW3OHDVHZDLWDVWKHSURFHVVRIDOLJQLQJWKHSULQWKHDGVWDNHVD
&DOLEUDWLRQV IHZPLQXWHV
 5HSULQWWKHLPDJH\RXZHUHDWWHPSWLQJWRSULQWEHIRUH LQWKHVDPHPRGH WRVHHLI
WKHSUREOHPVWLOOH[LVWV
3ULQWKHDG$OLJQPHQW

OO G O  ,IWKHUHLVQRLPSURYHPHQWLQWKHTXDOLW\RIWKHLPDJHVHHSDJH*HWWLQJ+HOS


&RQWUROOLQJ,PDJH4XDOLW\
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH


2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH
%OXH*UHHQ5HG%ODFN<HOORZ0DJHQWD&\DQ7HVW
7KLVWHVWSDWWHUQFKHFNVSHUIRUPDQFHIRUEDQGLQJLQ%HVWPRGHRQO\IRUWKHPHGLD
\RXDUHXVLQJ

&

:KDWLV%DQGLQJ"
%DQGLQJLVZKHQ\RXVHHUHSHWLWLYHKRUL]RQWDOEDQGVZLWKLQ\RXUSULQWHGLPDJH
WKHVHPD\DSSHDUDVOLJKWRUGDUNEDQGV 
7KHWHVWSDWWHUQLVSULQWHGZLWKIRXUSULPDU\FRORUVEODFNF\DQPDJHQWDDQG
\HOORZ7KHWKUHHVHFRQGDU\FRORUVSULQWHGDUHUHGEOXHDQGJUHHQDQGWKH\DUH
IRUPHGE\PL[LQJWKHSULPDU\FRORUVDVVKRZQLQWKHWDEOHEHORZ

6HFRQGDU\&RORU 3ULPDU\&RORU&RPSRQHQWV

5HG 5 0DJHQWD 0 DQG<HOORZ <


%OXH % 0DJHQWD 0 DQG&\DQ &

*UHHQ * &\DQ & DQG<HOORZ <


&RQWUROOLQJ,PDJH4XDOLW\
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH

6ROYLQJWKH3UREOHPV
7KHUHPDLQFDXVHVRIEDQGLQJ
■ 3ULQWKHDGSUREOHPV VHHEHORZ 
■ 8VHRI1RQ+3PHGLD
■ ,QFRUUHFWPHGLDW\SHVHOHFWHGLQWKHIURQWSDQHO
■ 0HGLDDGYDQFHSUREOHPVVHHSDJH%DQGLQJ&DXVHGE\0HGLD$GYDQFH
3UREOHPV

%DQGLQJ&DXVHGE\3ULQWKHDG3UREOHPV
,QWKLVFDVH\RXZLOOVHHEDQGLQJLQRQO\DIHZFRORUV
,IWKHWHVWSDWWHUQKDVFOHDURUGDUNKRUL]RQWDOEDQGVLQRQHRUPRUHRIWKHSULPDU\
FRORUFROXPQVWKHQVHYHUDORIWKHVHFRQGDU\FRORUFROXPQVZLOODOVRKDYHWKHVDPH
W\SHRIEDQGVLQWKHVDPHSRVLWLRQ EXWSHUKDSVZLWKOHVVLQWHQVLW\ 
,QWKHIROORZLQJH[DPSOHVHYHUDOQR]]OHVLQWKHPDJHQWDSULQWKHDGDUHQRWSULQWLQJ
7KHUHZLOOEHFOHDUUHSHWLWLYHEDQGV SHUKDSVZKLWH LQWKHPDJHQWDFROXPQ
&RQVHTXHQWO\\RXZLOOVHHORZHULQWHQVLW\EDQGVLQWKHVDPHSULQWSRVLWLRQLQWKH
UHG ZKLFKLV0DJHQWD<HOORZ DQGEOXH ZKLFKLV0DJHQWD&\DQ RIWKH
VHFRQGDU\FRORUFROXPQV
3

&

 7KHEDQGVFRXOGEHFDXVHGE\WKHQR]]OHVQRWSULQWLQJFRUUHFWO\<RXFDQFKHFNWKH
KHDOWKRIWKHQR]]OHVE\IROORZLQJWKHSURFHGXUHRQSDJH1R]]OH3ULQW7HVW


&RQWUROOLQJ,PDJH4XDOLW\
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH

 7KHOLJKWRUGDUNKRUL]RQWDOOLQHVFRXOGDOVREHFDXVHGE\SHUPDQHQWO\GDPDJHG
SULQWKHDGV7KHSRVVLEOHFRPELQDWLRQVZLWKWKLVSUREOHPDUH
■ %DQGLQJLQF\DQEOXHDQGJUHHQFROXPQVRQO\EXWPRUHHYLGHQWLQF\DQ7KLV
PHDQVWKDWWKHF\DQSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
■ %DQGLQJLQPDJHQWDUHGDQGEOXHFROXPQVRQO\EXWPRUHHYLGHQWLQPDJHQWD
7KLVPHDQVWKDWWKHPDJHQWDSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
■ %DQGLQJLQ\HOORZUHGDQGJUHHQFROXPQVRQO\EXWPRUHHYLGHQWLQ\HOORZ
7KLVPHDQVWKDWWKH\HOORZSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
■ %DQGLQJLQEODFNFROXPQRQO\7KLVPHDQVWKDWWKHEODFNSULQWKHDGFRXOGEH
SHUPDQHQWO\GDPDJHG
,I\RXZDQWWKHEHVWKLJKTXDOLW\LPDJHIURP\RXUSULQWHUUHSODFHWKHGDPDJHG
SULQWKHDGZLWKDQHZRQH6HHSDJH3ULQWKHDG5HPRYDO

127( +RZHYHU\RXUSULQWHUFDQVWLOOSURGXFHJRRGTXDOLW\OLQHSULQWV


&RQWUROOLQJ,PDJH4XDOLW\
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH
%DQGLQJ&DXVHGE\0HGLD$GYDQFH3UREOHPV
$QRWKHUW\SHRIEDQGLQJLVFDXVHGE\DQLQDFFXUDWHPHGLDDGYDQFHLQWKLVFDVHWKHUH
ZLOOEHEDQGLQJ KRUL]RQWDOUHSHWLWLYHEDQGVDORQJWKHWHVWSDWWHUQ LQDOOWKHSULPDU\
DQGVHFRQGDU\FRORUFROXPQV
7KHEDQGVFDQDSSHDUDVGDUNEDQGVGXHWRDVKRUWHUDGYDQFHRIWKHUROOHUZKLFK
FDXVHVDQRYHUODSRUOLJKWHUEDQGVGXHWRDORQJHUDGYDQFHFDXVLQJVSDFHV

&

%DQGLQJLQDOORIWKHFRORUV
 (QVXUHWKHSDSHU\RXKDYHVHOHFWHGLQWKHIURQWSDQHOLVWKHSDSHU\RXKDYHORDGHG
 ,WLVSRVVLEOHWKDWWKHEDQGLQJZDVFDXVHGEHFDXVH\RXZHUHXVLQJQRQ+3PHGLD,I
8WLOLWLHV \RXVWLOOZDQWWRXVHQRQ+3PHGLDUHFDOLEUDWHWKHSDSHUDFFXUDF\*RWRSDJH
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\DQGSHUIRUPWKHDFFXUDF\FDOLEUDWLRQ
&DOLEUDWLRQV 3HUIRUPLQJWKLVZLOORYHUZULWHWKHGHIDXOWVHWWLQJIRURQO\WKHSDSHUWKDW\RXKDYH
VHOHFWHG
$FFXUDF\
127(,IODWHU\RXUHORDG+3FHUWLILHGSDSHULQWR\RXUSULQWHU\RXFDQUHVWRUHWKH
5HFDOLEUDWH RSWLPDOVHWWLQJWRZKDWLWZDV*RWR8WLOLWLHV&DOLEUDWLRQ$FFXUDF\5HVWRUH)DFWRU\

 3HUIRUPWKHSULQWKHDGVDOLJQPHQWSURFHGXUHUHIHUWRSDJH$OLJQLQJWKH
3ULQWKHDGV


&RQWUROOLQJ,PDJH4XDOLW\
2YHUDOO3ULQW4XDOLW\7HVWLQ%(67PRGH

 ,I\RXDUHXVLQJ+3FHUWLILHGSDSHUDQG\RXKDYHSHUIRUPHGDOORIWKHVWHSVRQSDJH
3UREOHPVZLWKWKH3ULQWHU&RQILJXUDWLRQFRQWDFWWKH+3VXSSRUWFHQWHUVHH
SDJH*HWWLQJ+HOS


&RQWUROOLQJ,PDJH4XDOLW\
$OLJQLQJWKH3ULQWKHDGV

$OLJQLQJWKH3ULQWKHDGV
7KHSULQWKHDGDOLJQPHQWVHOHFWLRQFDXVHVWKHSULQWHUWRDOLJQWKHSULQWKHDGV
8WLOLWLHV LPPHGLDWHO\RULIDQLPDJHLVEHLQJSULQWHGDVVRRQDVWKHFXUUHQWSULQWMRELV
&DOLEUDWLRQV
ILQLVKHG7KHDOLJQPHQWSURFHGXUHUHTXLUHVDPLQLPXPSDSHUVL]HRI$RU&VL]H

3ULQWKHDG <RXVKRXOGQRWDWWHPSWWRDOLJQWKHSULQWKHDGVZLWKWUDFLQJSDSHUYHOOXPRUFOHDU
$OLJQPHQW
ILOP
)XOOPHQXPRGHRQO\
7KHSULQWHUZLOODXWRPDWLFDOO\SHUIRUPDQDOLJQPHQWZKHQSULQWKHDGVDUHUHSODFHG
<RXFDQXVHWKLVIHDWXUHLIWKHSULQWTXDOLW\SULQWLQGLFDWHVDQDOLJQPHQWHUURU5HIHU
WRSDJH+RZWR8VHWKH3ULQW4XDOLW\3ULQW




0DLQWDLQLQJ<RXU3ULQWHU


&OHDQLQJWKH3ULQWHU 
1RUPDO3ULQWHU8VH 
6WRULQJDQG0RYLQJ<RXU3ULQWHU 


0DLQWDLQLQJ<RXU3ULQWHU
&OHDQLQJWKH3ULQWHU

&OHDQLQJWKH3ULQWHU
:$51,1* 7R DYRLG DQ HOHFWULF VKRFN PDNH VXUH WKDW WKH SULQWHU LV VZLWFKHG 2)) DQG
XQSOXJJHGEHIRUH\RXFOHDQLW'RQRWOHWZDWHUJHWLQVLGHWKHSULQWHU

&$87,21 'RQRWXVHDEUDVLYHFOHDQHUVRQWKHSULQWHU

127( $Q\PDLQWHQDQFHRUUHSDLUVEH\RQGWKRVHGHVFULEHGLQWKLVFKDSWHUVKRXOGEH
GRQHE\DTXDOLILHGVHUYLFHWHFKQLFLDQ

&OHDQLQJWKH3ULQWHU([WHULRU
n &OHDQWKHRXWVLGHRIWKHSULQWHUDVUHTXLUHGZLWKDGDPSVSRQJHRUDVRIWFORWK
DQGDPLOGKRXVHKROGFOHDQHUVXFKDVQRQDEUDVLYHOLTXLGVRDS


0DLQWDLQLQJ<RXU3ULQWHU
1RUPDO3ULQWHU8VH


1RUPDO3ULQWHU8VH
³1RUPDO´SULQWHUXVHLVFRQVLGHUHGDQDYHUDJHRISULQWVSHUGD\RQ$VL]H
SDSHU7KLVFDQYDU\GHSHQGLQJRQZKDWSULQWTXDOLW\VHWWLQJ\RXXVHPRVW
IUHTXHQWO\

,I\RXUSULQWVDUHVPDOOHUWKDQWKLVWKHQXPEHURISDJHVSHUGD\FDQEHKLJKHU

8QGHUQRUPDOXVDJHFRQGLWLRQVLWZLOOEHDSSUR[LPDWHO\\HDUVEHIRUH\RXUSULQWHU
QHHGVPDLQWHQDQFH,I\RXXVHWKHSULQWHUPRUHWKDQWKLVLWZLOOQHHGPDLQWHQDQFH
VHUYLFHPRUHIUHTXHQWO\LI\RXXVHWKHSULQWHUDORWOHVVWKDQWKLVLWLVXQOLNHO\\RX
ZLOOQHHGWRJHWLWVHUYLFHG

7KHSULQWHULWVHOINHHSVDQLQWHUQDOFRXQWRIWKHWRWDORISDJHVDQGWKHWRWDOQXPEHU
RISDVVHVRIWKHSULQWHUFDUULDJH,IWKHSULQWHUGLVSOD\V

3ULQWHU0DLQWHQDQFH 7XEH0DLQWHQDQFH
DGYLVHG DGYLVHG
,QN ,QN

&<$1 &<$1
0$*(17$ 0$*(17$
<(//2: <(//2:
%/$&. %/$&.

7KLVPHDQVWKDWWKHXVHRIWKHSULQWHULVJRLQJWRH[FHHGWKHGHILQHG³QRUPDO´
SULQWHUXVH$WWKLVWLPH\RXVKRXOGFRQWDFW\RXUORFDO+3GHDOHURU+3VXSSRUW<RX
FDQUHIHUWRWKHERRNOHW+3&XVWRPHU&DUHERRNOHWIRUWKHWHOHSKRQHQXPEHUV
$UUDQJHDWLPHZKLFKLVFRQYHQLHQWIRU\RXDQGDVHUYLFHHQJLQHHUZLOOFDOO

7KHEHQHILWVRIDUUDQJLQJDVHUYLFHHQJLQHHUWRYLVLWZKHQWKHIURQWSDQHODGYLVHVD
PDLQWHQDQFHFDOODUHWZRIROG
 7KHSULQWHUGRZQWLPHZLOOEHOLPLWHGWRDWLPHZKLFKLVFRQYHQLHQWIRU\RX
 :KHQWKHVHUYLFHHQJLQHHUFDOOVKHZLOOUHSODFHVHYHUDOSDUWVDWRQHFDOO7KLVZLOO
SUHYHQWWKHQHFHVVLW\RIUHSHDWYLVLWVDQGPRUHSULQWHU³GRZQWLPH´


0DLQWDLQLQJ<RXU3ULQWHU
1RUPDO3ULQWHU8VH
$EQRUPDOSULQWHUFRQGLWLRQV

8QGHUFROGHQYLURQPHQWDOFRQGLWLRQVRXWVLGHLWVRSHUDWLQJUDQJHWKHSULQWHUZLOO
VWRS,WGRHVWKLVWRSURWHFWWKHLQNV\VWHPVLQVLGHWKHSULQWHU,IWKLVVKRXOGKDSSHQ
WKHSULQWHUZLOOGLVSOD\WKHPHVVDJH³3ULQWLQJWHPSHUDWXUHLVRXWRIRSHUDWLQJ
UDQJH´6LPSO\HQVXUHWKHWHPSHUDWXUHLVDERYH°&DQGWXUQWKHSULQWHURIIDQGRQ
DJDLQ)RUGHWDLOVRQWKHRSHUDWLQJWHPSHUDWXUHVHHSDJH(QYLURQPHQWDO
6SHFLILFDWLRQV


0DLQWDLQLQJ<RXU3ULQWHU
6WRULQJDQG0RYLQJ<RXU3ULQWHU


6WRULQJDQG0RYLQJ<RXU3ULQWHU
,I\RXQHHGWRPRYH\RXUSULQWHURUVWRUHLWIRUDQH[WHQGHGSHULRGRIWLPH\RXQHHG
WRSUHSDUH\RXUSULQWHUSURSHUO\WRDYRLGSRVVLEOHGDPDJHWRWKHSULQWHU7RSUHSDUH
\RXUSULQWHUIROORZWKHLQVWUXFWLRQVJLYHQEHORZ

127( ,W LV LPSRUWDQW WKDW \RX GR QRW UHPRYH WKH ,QN &DUWULGJHV 3ULQWKHDGV DQG
3ULQWKHDG&OHDQHUVEHIRUHPRYLQJRUVWRULQJWKHSULQWHU

 6ZLWFKWKHSRZHURIIILUVWDWWKH2Q2IISRZHUVZLWFKRQWKHIURQWSDQHODQGWKHQ
VHFRQGDWWKHSRZHULVRODWRUVZLWFKDWWKHEDFNRIWKHSULQWHU

C6074308

 'LVFRQQHFWDQ\FDEOHVFRQQHFWHGWRWKHSULQWHU
 5HSDFNWKHSULQWHULQLWV¶RULJLQDOSDFNDJLQJ5HIHUWR$VVHPEO\5HSDFNLQJ
,QVWUXFWLRQVERRNOHWVXSSOLHGZLWKWKHSULQWHUIRUGHWDLOV
 ,I\RXKDYHWRPRYH\RXUSULQWHU\RXZLOOQHHGWKHRULJLQDOSDFNDJLQJ,IQHFHVVDU\
\RXFDQRUGHUDNLWRIWKHSDFNDJLQJPDWHULDOV&RQWDFW+3VXSSRUWDQGWKH\ZLOO
VXSSO\LWWR\RX,IQHFHVVDU\WKH\ZLOOUHSDFNDJHWKHSULQWHUIRU\RX


0DLQWDLQLQJ<RXU3ULQWHU
6WRULQJDQG0RYLQJ<RXU3ULQWHU




7URXEOHVKRRWLQJ


$1RWH$ERXW7URXEOHVKRRWLQJ 
:KHUHWR)LQG+HOSLQ6ROYLQJ3UREOHPV 
)LQGLQJWKH6RXUFHRI<RXU3UREOHP 
6ROYLQJ,PDJH4XDOLW\3UREOHPV 
6ROYLQJ0HGLD+DQGOLQJ3UREOHPV 
6ROYLQJ+31R6XSSOLHV3UREOHPV 
&OHDULQJD0HGLD-DP 
6ROYLQJ&RPPXQLFDWLRQ3UREOHPV 
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW 
6ROYLQJ)URQW3DQHO3UREOHPV 
6ROYLQJ0LVFHOODQHRXV3UREOHPV 
*HWWLQJ+HOS 


7URXEOHVKRRWLQJ
$1RWH$ERXW7URXEOHVKRRWLQJ

$1RWH$ERXW7URXEOHVKRRWLQJ
0XFKRIWKHWURXEOHVKRRWLQJLQIRUPDWLRQFRQWDLQHGLQWKLVFKDSWHULVSURYLGHGWR
FRPSOHPHQWWKHSULQWHU¶VRZQLQWHUQDOLPDJHTXDOLW\FKHFNLQJIHDWXUHV
n )DXOW7ROHUDQW3ULQW0RGHV
n ,PDJH4XDOLW\&RQVLVWHQF\
n &RQWLQXRXV3ULQWLQJ
n &RORU(PXODWLRQ
n 2XWRI,QN'HWHFWLRQ
n 3ULQWKHDGHQGRIOLIHHDUO\GHWHFWLRQ

7URXEOHVKRRWLQJVKRXOGEHDQLQWXLWLYHSURFHVVZLWKWKHSULQWHUHLWKHUFRUUHFWLQJLWV
RZQIDXOWVRUFRQYH\LQJDIDXOWPHVVDJHYLDWKHIURQWSDQHOGLVSOD\SURPSWLQJ\RX
WRWDNHFRUUHFWLYHDFWLRQ<RXVKRXOGWKHUHIRUHRQO\QHHGWRUHIHUWRWKHVH
SURFHGXUHVLIWKHSULQWHUGRHVQRWFRUUHFWWKHSUREOHPRULQVWUXFW\RXYLDWKHIURQW
SDQHOGLVSOD\


7URXEOHVKRRWLQJ
:KHUHWR)LQG+HOSLQ6ROYLQJ3UREOHPV


:KHUHWR)LQG+HOSLQ6ROYLQJ3UREOHPV
n 7RILQGWKHPHDQLQJRIIURQWSDQHOPHVVDJHVVHHFKDSWHU)URQW3DQHO
0HVVDJHV
n ,I\RXNQRZWKHSUREOHPLVUHODWHGWRDFHUWDLQWDVNILUVWFKHFNWKHUHOHYDQW
VHFWLRQLQWKLVPDQXDOIRUVWHSE\VWHSSURFHGXUHV8VHWKLVPDQXDO
VLQGH[RU
WDEOHRIFRQWHQWVWRILQGWKHVHFWLRQ)RUH[DPSOHLI\RXDUHKDYLQJGLIILFXOW\
ZLWKSDJHIRUPDWWLQJUHIHUWRFKDSWHU&RQWUROOLQJWKH3DJH)RUPDW
n ,IWKHSUREOHPLVUHODWHGWRWKHTXDOLW\RI\RXUSULQWHGLPDJHVUHIHUILUVWWRWKH
VHFWLRQ6ROYLQJ,PDJH4XDOLW\3UREOHPV 
n 5HIHUWRWKHDSSURSULDWHWRSLFLQWKLVFKDSWHU
± 6ROYLQJ0HGLD+DQGOLQJ3UREOHPV
± 6ROYLQJ+31R6XSSOLHV3UREOHPV
± &OHDULQJD0HGLD-DP
± 6ROYLQJ&RPPXQLFDWLRQ3UREOHPV
± 6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW
± 6ROYLQJ&RORU$FFXUDF\SUREOHPV
± 6ROYLQJ)URQW3DQHO3UREOHPV
± 6ROYLQJ0LVFHOODQHRXV3UREOHPV
n ,IWKHSUREOHPFRXOGEHUHODWHGWR\RXUVRIWZDUHGULYHUDQG\RXDUHXVLQJDQ+3
GULYHUUHIHUWRWKHGULYHU¶VWURXEOHVKRRWLQJGRFXPHQWDWLRQDQGWKHRQOLQHKHOS
LQ\RXUDSSOLFDWLRQVRIWZDUH
n ,IWKHSUREOHPKDVQRREYLRXVFDXVHUHIHUWR)LQGLQJWKH6RXUFHRI<RXU3UREOHP
RQWKHQH[WSDJH
n ,I\RXVWLOOFDQQRWVROYHWKHSUREOHPVHHSDJH*HWWLQJ+HOS


7URXEOHVKRRWLQJ
)LQGLQJWKH6RXUFHRI<RXU3UREOHP

)LQGLQJWKH6RXUFHRI<RXU3UREOHP
 /RRNDWWKHIURQWSDQHOGLVSOD\IRUPHVVDJHV6HHFKDSWHU)URQW3DQHO
0HVVDJHVIRUDQH[SODQDWLRQRIIURQWSDQHOPHVVDJHV
 7HVWWKHSULQWHU
n 6ZLWFKWKHSULQWHURIIDWWKHIURQWSDQHODQGDWWKHSRZHUVZLWFKDWWKHEDFNRIWKH
SULQWHU0DNHVXUHWKDWWKHSRZHUFRUGLVILUPO\LQVHUWHGLQWKHSULQWHUDQG
SOXJJHGLQWRDQRXWOHWWKDW\RXNQRZZRUNV
n 6ZLWFKWKHSULQWHURQ3ULQWDQLQWHUQDOSULQW,IWKHSULQWHUSULQWVWKHLQWHUQDOSULQW
FRUUHFWO\WKHSUREOHPLVSUREDEO\QRWZLWKWKHSULQWHU6HHSDJH3ULQWLQJWKH
&XUUHQW&RQILJXUDWLRQ
 7HVW\RXUFRPSXWHUKDUGZDUHDQGLQWHUIDFH
n 0DNHVXUHWKDW\RXKDYHWKHFRUUHFWLQWHUIDFHFDEOHEHWZHHQWKHFRPSXWHUDQG
WKHSULQWHUDQGWKDWLWLVILUPO\FRQQHFWHGWRWKHFRUUHFWSRUWV VHHWKH6HWXS
*XLGH 
n &KHFNWKDW\RXUSULQWHU
VJUDSKLFVODQJXDJHVHWWLQJ LQ'HYLFHVHWXS/DQJ 
PDWFKHVWKHUHTXLUHPHQWVRI\RXUVRIWZDUH
,I\RXKDYHFKDQJHG\RXULQWHUIDFHVZLWFKWKHSULQWHURIIDQGWKHQRQDJDLQEHIRUH
WU\LQJWRSULQW


7URXEOHVKRRWLQJ
6ROYLQJ,PDJH4XDOLW\3UREOHPV


6ROYLQJ,PDJH4XDOLW\3UREOHPV
3UREOHPVZLWK3ULQWHU&RQILJXUDWLRQ
7KLVLVWKHILUVWSODFH\RXVKRXOGILQGKHOSZKHQ\RXILQGWKDWWKHSULQWTXDOLW\
LVQRWDWDQDFFHSWDEOHOHYHO
3UREOHPVZLWK/LQH3ULQWLQJ
*RWRWKLVSURFHGXUHZKHQ\RXILQG\RXULPDJHKDVWKHIROORZLQJGHIHFWV
n 6WHSSHGOLQHV
n /LQHVDQG7H[WEURNHQDQGRUPLVVLQJ
n /LQHVPLVVLQJ
n /LQHVIDLQWRUWKLQQHUWKDQH[SHFWHG
3UREOHPVZLWK&RORUWR&RORU$OLJQPHQW
*RWRWKLVSURFHGXUHZKHQ\RXILQG\RXULPDJHKDVWKHIROORZLQJGHIHFWV
n 6RPHFRORUOLQHVDSSHDUDVGRXEOHOLQHV
n %RUGHUVRIFRORUHGDUHDVKDYHRWKHUFRORUVLQWKHPZKHUHWKHERUGHUVPHHW
3UREOHPVZLWK/LJKWRU'DUN+RUL]RQWDO/LQHV %DQGLQJ 
*RWRWKLVSURFHGXUHLI\RXULPDJHFRQWDLQVOLJKWDQGGDUNOLQHVJRLQJIURP
OHIWWRULJKWDFURVV\RXULPDJHZKLFKDUHPRVWSURPLQHQWLQDUHDVRIKLJKLQN
GHQVLW\
3UREOHPVZLWKWKH&RORU
*RWRWKLVSURFHGXUHZKHQ\RXILQG\RXULPDJHKDVWKHIROORZLQJGHIHFWV
n &RORULVQRWDVH[SHFWHG
n 7KHFRQVLVWHQF\RIWKHFRORUVLVEDG
3UREOHPVZLWK0HGLD
*RWRWKLVSURFHGXUHZKHQ\RXILQG\RXULPDJHKDVWKHIROORZLQJGHIHFWV
n 6OLJKWO\ZDUSHGOLQHV
n %OXUUHGOLQHV
n 6PHDUV6FUDWFKHV
n 0DUNVRQJORVV\PHGLD
3UREOHPVZLWKWKH3RVLWLRQDQG&RQWHQWRI\RXU,PDJH
*RWRWKLVSURFHGXUHLIWKHSRVLWLRQRIWKHLPDJHRQWKHSDJHLVQRWZKDW\RX
H[SHFWHG
n 7KHRXWSXWFRQWDLQVRQO\DSDUWLDOSULQW
n 7KHLPDJHLVFOLSSHG
+RZWRXVHWKH3ULQW4XDOLW\3ULQW


7URXEOHVKRRWLQJ
3UREOHPVZLWKWKH3ULQWHU&RQILJXUDWLRQ

3UREOHPVZLWKWKH3ULQWHU&RQILJXUDWLRQ
%HIRUHDWWHPSWLQJWKHGLDJQRVWLFSURFHGXUHVFRQWDLQHGLQWKLVVHFWLRQWRVROYHDQ\
SULQWTXDOLW\SUREOHPVWKDW\RXPD\KDYHLWLVLPSRUWDQWWRILUVWFKHFNWKDWWKH
SULQWHULVFRUUHFWO\VHWWRSULQWZKDW\RXZDQW0DQ\SUREOHPVFRQFHUQHGZLWKSULQW
TXDOLW\FDQEHVROYHGE\FRUUHFWLQJWKHZD\WKHSULQWHULVFRQILJXUHG
 7RDFKLHYHWKHEHVWSHUIRUPDQFHIURP\RXUSULQWHURQO\XVHJHQXLQH+3
DFFHVVRULHVDQGVXSSOLHVZKRVHUHOLDELOLW\DQGSHUIRUPDQFHKDYHEHHQWKRURXJKO\
WHVWHGWRJLYHWURXEOHIUHHSHUIRUPDQFHDQGEHVWTXDOLW\SULQWV)RUGHWDLOVRI+3
5($'< PHGLDVHHSDJH3DSHU7\SHVDQGWKH0HGLD*XLGHIRUWKH+3'HVLJQ-HW
&<$1 67$786
2.
5HDG\
0$*(17$ 2. 3ULQWHUVVXSSOLHGZLWKWKHSULQWHU
<(//2: 2.
%/$&. 2.
 0DNHVXUHWKDWWKHW\SHRISDSHUVHOHFWHGLQWKHIURQWSDQHOLVWKHVDPHW\SHRI
SDSHUORDGHGLQWRWKHSULQWHU7RFKHFNWKLVJRWRWKH5ROORU6KHHWPHQXLQWKHIURQW
SDQHODQGSUHVV(QWHU
 7RHQVXUHWKHPD[LPXPSULQWTXDOLW\XVH+3FHUWLILHGPHGLDRQO\)RUGHWDLOVRI
+3PHGLDVHHSDJH3DSHU7\SHVDQGWKH+33ULQWLQJ0DWHULDO*XLGHVXSSOLHG
ZLWKWKLVSULQWHU<RXFDQDOVRORRNDWWKHZHESDJHKWWSZZZKSFRPJR
GHVLJQ-HWIRUWKHPRVWXSWRGDWHLQIRUPDWLRQ
 0DNHVXUHWKDWWKHSULQWPRGHTXDOLW\ EHVWQRUPDOGUDIW XVHGLQ\RXUSULQWHULV
FRUUHFW7KLVLVGHILQHGLQWKHIURQWSDQHODQGLQWKHGULYHUVHOHFWLRQ
 6HOHFW%HVWSULQWPRGHIRUPD[LPXPSULQWTXDOLW\
 )RU1RQ+3GULYHUVVHWPHGLDVHWWLQJVWRPDWFKWKHPHGLDW\SHORDGHGLQWKH
SULQWHU6HHWKHGRFXPHQWDWLRQWKDWFDPHZLWK\RXUVRIWZDUHIRULQIRUPDWLRQ
 ,I\RXULPDJHTXDOLW\SUREOHPLVFRORUDFFXUDF\UHODWHGJRWRSDJH&RORU
$FFXUDF\&RQILJXUDWLRQIRUIXUWKHUFRQILJXUDWLRQKHOS


7URXEOHVKRRWLQJ
3UREOHPVZLWK6WHSSHG/LQHV


3UREOHPVZLWK6WHSSHG/LQHV
'HVFULSWLRQRISUREOHP
:KHQ\RXORRNDWWKHLPDJH\RXKDYHSULQWHGWKHUHDUHµVWHSSHGOLQHV¶LQWKH
ERUGHUVRIDUURZVDQGGLDJRQDOOLQHV7KHOLQHVVKRXOGEHVWUDLJKWZLWKQRVWHSSLQJ
6KRZQEHORZLVDQH[DPSOHRIZKDW\RXPLJKWVHHLI\RXKDYHSUREOHPVZLWK
6WHSSHG/LQHV

&

+RZWRVROYHWKHSUREOHPV
 ,QFUHDVHWKHGSLVHWWLQJE\FKDQJLQJWKHSULQWTXDOLW\WREHVWLQWKHIURQWSDQHODQG
GULYHUVRIWZDUH
 7KHSUREOHPVPD\EHLQKHUHQWLQWKHLPDJH\RXDUHWU\LQJWRSULQW7U\WRLPSURYH
WKHLPDJHZLWKWKHDSSOLFDWLRQWKDWJHQHUDWHGWKHILOH


7URXEOHVKRRWLQJ
3UREOHPVZLWKSULQWLQJOLQHV

3UREOHPVZLWKSULQWLQJOLQHV
'HVFULSWLRQRISUREOHP
:KHQ\RXORRNDWWKHLPDJH\RXKDYHSULQWHGWKHUHDUH
n 0LVVLQJRUIDLQWOLQHV
n 3ULQWHGWH[WKDYLQJPLVVLQJSDUWVWRWKHP
6KRZQEHORZDUHH[DPSOHVRIZKDW\RXPLJKWVHHLI\RXKDYHSUREOHPVZLWK
SULQWLQJOLQHV

0LVVLQJSDUWVRIWH[WWKLVVKRXOG 6WUDLJKWOLQHVKDYHPLVVLQJVHFWLRQV
VD\7(67 & &

+RZWRVROYHWKHSUREOHPV
 *RWRWKHSULQWHUVXEPHQXDQGSUHVV(QWHU
5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 *RWR8WLOLWLHV5HFRYHU3ULQWKHDGV
8WLOLWLHV
 6HOHFWWKHSULQWKHDGFRORUZKLFKKDVWKHSUREOHP7KHSULQWHUZLOOWU\WRµ5HFRYHU¶
5HFRYHU WKHGHIHFWLYHSULQWKHDG,I\RXDUHQRWVXUHZKLFKSULQWKHDGFRORULVJLYLQJ\RXWKH
3ULQWKHDGV SUREOHPVHOHFWDOORIWKHSULQWKHDGV3OHDVHZDLW
$OOF\DQPDJHQWD
\HOORZEODFN  5HSULQWWKHLPDJH\RXZHUHDWWHPSWLQJWRSULQWEHIRUH LQWKHVDPHPRGH WRVHHLI
WKHSUREOHPVWLOOH[LVWV
 ,IWKHSUREOHPVFRQWLQXHUHSULQWWKHLPDJHXVLQJ%HVWPRGH
 ,ISULQWLQJLQ%HVWPRGHLVQRWDFFHSWDEOHUHSODFHWKHRIIHQGLQJSULQWKHDGV,I
\RX¶UHQRWVXUHZKLFKSULQWKHDGLVJLYLQJ\RXWKHSUREOHPSULQWRXWWKH,PDJH
TXDOLW\3ULQW7KLVZLOOKHOS\RXILQGWKHIDXOW\SULQWKHDG)RUPRUHGHWDLOVVHHSDJH
+RZWR8VHWKH3ULQW4XDOLW\3ULQW


7URXEOHVKRRWLQJ
3UREOHPVZLWK&RORUWR&RORU$OLJQPHQW


3UREOHPVZLWK&RORUWR&RORU$OLJQPHQW
'HVFULSWLRQRISUREOHP
:KHQ\RXORRNDWWKHLPDJH\RXKDYHSULQWHG
n 7KHFRORUHGOLQHVDUHSULQWLQJGRXEOHDQGWKH\DUHWKHZURQJFRORUV

C6074286

n 7KHERUGHUVRIFRORUHGEORFNVDUHRYHUODSSHGDQGWKHRYHUODSSLQJDUHDVKDYH
GLIIHUHQWFRORUVLQWKHP

C6074287

n 9HUWLFDOOLQHVDUHPLVDOLJQHGRUIX]]\ QRWVPRRWK

C6074304


7URXEOHVKRRWLQJ
3UREOHPVZLWK&RORUWR&RORU$OLJQPHQW

+RZWRVROYHWKHSUREOHPV
 0DNHVXUH\RXKDYHSDSHUORDGHG QRWFOHDUILOPWUDFLQJSDSHURUYHOOXP 
 *RWRWKH3ULQWHUVXEPHQXDQGSUHVV(QWHU

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 3HUIRUPWKH3ULQWKHDG$OLJQPHQW&DOLEUDWLRQ%\JRLQJWR8WLOLWLHV&DOLEUDWLRQ
8WLOLWLHV 3ULQWKHDG$OLJQPHQW3OHDVHZDLWDVWKHSURFHVVRIDOLJQLQJWKHSULQWKHDGVWDNHVD
IHZPLQXWHV
&DOLEUDWLRQV

3ULQWKHDG$OLJQPHQW

 5HSULQWWKHLPDJH\RXZHUHDWWHPSWLQJWRSULQWEHIRUH LQWKHVDPHPRGH WRVHHLI


WKHSUREOHPVWLOOH[LVWV
 ,IWKHUHLVQRLPSURYHPHQWLQWKHTXDOLW\RIWKHLPDJHVHHSDJH*HWWLQJ
+HOS


7URXEOHVKRRWLQJ
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ


3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ
'HVFULSWLRQRISUREOHP
:KHQ\RXORRNDWWKHLPDJH\RXKDYHSULQWHGWKHUHDUHOLJKWRUGDUNOLQHVRQWKH
LPDJHWKHVHDUHSDUWLFXODUO\KLJKOLJKWHGLQKLJKGHQVLW\LQNDUHDV7KLVSUREOHPLV
NQRZQDVEDQGLQJ

,03257$17 %DQGLQJFDQRFFXUWRDFHUWDLQGHJUHHLQGUDIWDQGQRUPDOPRGHZKHQSULQWLQJ
KLJKGHQVLW\SULQWV7RREWDLQWKHEHVWLPDJHDOZD\VSULQWLQ%HVW0RGH

6KRZQEHORZLVDQH[DPSOHRIZKDW\RXPLJKWVHHLI\RXKDYHSUREOHPVZLWK
EDQGLQJ

80

aure
ernk
jop
Pojfd
s
Possibilitie
Expanding

80
80
Ironk
ernk aure
Pojfdjop me
ernk Chor
Pojfdjop
Expand
ing Po
ssibilit
ies

80
80 kheuhg
kheuhg
sfrfefg
sfrfefg
Ink ero
v
Ink ca Caps
rtridge

&

+RZWRVROYHWKHSUREOHP
127(:KLOHSHUIRUPLQJWKHQH[WSURFHGXUHGXSOLFDWHWKHFRQGLWLRQWKHSULQWHUZDV
LQZKHQ\RXGLVFRYHUHGWKHSUREOHPXVHWKHVDPHPHGLDDQGWKHVDPHSULQWPRGH

 (QVXUHWKDWWKHSDSHU\RXKDYHVHOHFWHGLQWKHIURQWSDQHOLVWKHVDPHSDSHUWKDW\RX
KDYHORDGHG
 3HUIRUPWKH3ULQWKHDG$OLJQPHQW&DOLEUDWLRQ$OLJQLQJWKH3ULQWKHDGV
 5HSULQW\RXULPDJH
 ,I\RXKDYHSULQWHG\RXULPDJHLQ1RUPDORU'UDIWPRGHDQGLWLVQRWDFFHSWDEOHWR
\RXUHSULQWLWLQ%HVWPRGH&KHFNWKHIURQWSDQHODQGGULYHUVHOHFWLRQWRPDNH
VXUHWKDW%HVWPRGHLVVHOHFWHG


7URXEOHVKRRWLQJ
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ
 *RWRWKHSULQWHUVXEPHQXDQGSUHVV(QWHU

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX

 *RWR8WLOLWLHV7HVW3ULQWV3ULQW4XDOLW\DQGSUHVV(QWHU
87,/,7,(6
 7KHSULQWHUZLOOSULQWDGLDJQRVWLFWHVWSULQW7KLVZLOOKHOS\RXILQGWKHVRXUFHRIWKH
7HVW3ULQWV EDQGLQJSUREOHP3OHDVHZDLWDVWKHSURFHVVRISULQWLQJWKHSULQWTXDOLW\SULQWWDNHV
DIHZPLQXWHV
3ULQW4XDOLW\
 /RRNLQWKHWRSVHFWLRQRI\RXUSULQWTXDOLW\WHVWSULQW&KHFNWRVHHLIWKHUHDUHDQ\
)XOOPHQXPRGHRQO\ RIWKHIROORZLQJH[DPSOHVRIGHIHFWVLQWKHSULQW
0LVVLQJOLQHV 0LVGLUHFWHGOLQHV

9HU\REYLRXV
3

XQHTXDOVSDFLQJ

& C607482

0LVVLQJOLQHV

 ,IWKHUHDUHDQ\RIWKHDERYHGHIHFWVYLVLEOHLQWKHWHVWSULQWFRQWLQXHZLWKVWHSD,I
WKHUHDUHQRGHIHFWVLQWKHWRSSDUWRIWKHSULQWWHVWJRWRVWHSDQGPLVVRXWVWHS
DWRI
D *RWRWKHSULQWHUVXEPHQXDQGSUHVV(QWHU

5HDG\

,QN

CYAN
0$*(17$
<(//2:
%/$&. 3ULQWHUVXEPHQX


7URXEOHVKRRWLQJ
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ

E *RWRWKH8WLOLWLHV5HFRYHU3ULQWKHDGVDQGSUHVV(QWHU
87,/,7,(6
F 6HOHFWWKHSULQWKHDGFRORUWKDWGLVSOD\HGWKHGHIHFWVLQWKH3ULQW4XDOLW\7HVW
5HFRYHU 3ULQW,I\RXDUHQRWVXUHZKLFKSULQWKHDGFRORULVJLYLQJ\RXWKHSUREOHPVHOHFW
3ULQWKHDGV
DOORIWKHSULQWKHDGV
)XOOPHQXRQO\
G 3HUIRUPWKHSULQWKHDGDOLJQPHQWSURFHGXUH$OLJQLQJWKH3ULQWKHDGV
H 5HSULQWWKHLPDJH\RXZHUHDWWHPSWLQJWRSULQWEHIRUH LQWKHVDPHPRGH WRVHH
LIWKHSUREOHPVWLOOH[LVWV
I ,IWKHUHLVQRLPSURYHPHQWLQWKHTXDOLW\RI\RXULPDJHSULQWDJDLQWKHSULQW
TXDOLW\WHVWDQGFRQWLQXHWRWKHQH[WVWHS
 &KHFNWKHERWWRPVHFWLRQRI\RXU3ULQW4XDOLW\7HVWSULQW,IWKHUHLVEDQGLQJLQDOO
FRORUVFRQWLQXHZLWKVWHSD,IWKHUHLVEDQGLQJLQRQO\DIHZFRORUVJRWRVWHS

&

&

D,WLVSRVVLEOHWKDWWKHEDQGLQJZDVFDXVHGEHFDXVH\RXZHUHXVLQJQRQ+3
87,/,7,(6 PHGLD,I\RXVWLOOZDQWWRXVHQRQ+3PHGLDUHFDOLEUDWHWKHSDSHUDFFXUDF\*R
WRSDJH5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\DQGSHUIRUPWKHDFFXUDF\
&DOLEUDWLRQV FDOLEUDWLRQ3HUIRUPLQJWKLVZLOORYHUZULWHWKHGHIDXOWVHWWLQJIRURQO\WKHSDSHU
WKDW\RXKDYHVHOHFWHG
$FFXUDF\

5HFDOLEUDWH


7URXEOHVKRRWLQJ
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ
127(,IODWHU\RXUHORDG+3FHUWLILHGSDSHULQWR\RXUSULQWHU\RXFDQUHVWRUHWKH
RSWLPDOVHWWLQJWRZKDWLWZDV*RWR8WLOLWLHV&DOLEUDWLRQ$FFXUDF\5HVWRUH)DFWRU\

E,I\RXDUHXVLQJ+3FHUWLILHGSDSHUDQG\RXKDYHSHUIRUPHGDOORIWKHVWHSVRQ
SDJH3UREOHPVZLWKWKH3ULQWHU&RQILJXUDWLRQFRQWDFWWKH+3VXSSRUW
FHQWHUVHHSDJH*HWWLQJ+HOS
 :KHQ\RXORRNDWWKHLPDJH\RXKDYHSULQWHGWKHUHLVEDQGLQJRQWKHLPDJHEXW
RQO\LQDIHZFRORUVVLPLODUWRWKHH[DPSOHVKRZQEHORZ
8WLOLWLHV 3

5HFRYHU3ULQWKHDG

&

D7KHSRVVLEOHFRPELQDWLRQVZLWKWKLVSUREOHPDUH
n %DQGLQJLQF\DQEOXHDQGJUHHQFROXPQVRQO\EXWPRUHHYLGHQWLQF\DQ7KLV
PHDQVWKDWWKHF\DQSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
n %DQGLQJLQPDJHQWDUHGDQGEOXHFROXPQVRQO\EXWPRUHHYLGHQWLQPDJHQWD
7KLVPHDQVWKDWWKHPDJHQWDSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
n %DQGLQJLQ\HOORZUHGDQGJUHHQFROXPQVRQO\EXWPRUHHYLGHQWLQ\HOORZ
7KLVPHDQVWKDWWKH\HOORZSULQWKHDGFRXOGEHSHUPDQHQWO\GDPDJHG
n %DQGLQJLQEODFNFROXPQRQO\7KLVPHDQVWKDWWKHEODFNSULQWKHDGFRXOGEH
SHUPDQHQWO\GDPDJHG
E,I\RXZDQWRSWLPDOLPDJHTXDOLW\IURP\RXUSULQWHUUHSODFHWKHGDPDJHG
SULQWKHDGZLWKDQHZRQH

127( +RZHYHU\RXUSULQWHUFDQVWLOOSURGXFHJRRGTXDOLW\OLQHSULQWV


7URXEOHVKRRWLQJ
3UREOHPVZLWK+RUL]RQWDO/LQHV %DQGLQJ

1R3ULQWLQJ'HIHFWV)RXQGLQWKH3ULQW4XDOLW\3ULQW
,IDOOWKHWHVWSDWWHUQVIURPWKHSULQWTXDOLW\SULQWDUHFRUUHFWDQG\RXVWLOOH[SHULHQFH
SULQWTXDOLW\SUREOHPVKHUHDUHVRPHRIWKHPRUHOLNHO\FDXVHVWRFKHFN
n 7KHSULQWPRGHXVHGLQ\RXUSULQWHULVQRWULJKWIRUWKHLPDJH\RXDUHSULQWLQJ
WKLVLVGHILQHGE\WKHSULQWHU¶VIURQWSDQHOPHQXVHOHFWLRQV
n 1RQ+3GULYHU
n 7KH5,3 ,I\RXDUHXVLQJRQH
n 7KHVRIWZDUHDSSOLFDWLRQV\RXDUHXVLQJ
8VHWKHIROORZLQJWDEOHWRFRQILJXUH\RXUV\VWHPFRUUHFWO\

:KDWWR&RQILJXUH &RQILJXUDWLRQ6HWWLQJ 2SWLPDO6HWWLQJ


3ULQWHU)URQW3DQHO0HQX 0HGLD 8QORDGWKHFXUUHQWPHGLD
DQGORDGLWDJDLQDIWHU
FKDQJLQJWKHPHGLDW\SHLQ
WKHIURQWSDQHO
'U\WLPH 6HWWR$XWRPDWLF
+3GULYHU :LQGRZV 3ULQWPRGHVHWWLQJ 6HWWR%HVW
$XWR&$'RU0DF

1RQ+3GULYHUV 7KHVHWWLQJVDYDLODEOH ,Q\RXUVRIWZDUH


6RIWZDUH5,3V GHSHQGRQWKHGULYHU7KH DSSOLFDWLRQ
PRVWW\SLFDOVHWWLQJVDUH n 6HW,PDJH4XDOLW\WR
n ,PDJH4XDOLW\6HWWLQJV %HVW
n +DOI7RQH n 8VHQR+DOI7RQH RU
n 0HGLDVHOHFWLRQ SULQWHUGHIDXOW
6HHWKHXVHU¶VJXLGHIRU n 0DNHVXUHWKDWWKH
\RXUDSSOLFDWLRQIRUPRUH PHGLDVHWWLQJPDWFKHV
LQIRUPDWLRQDERXWLWVSULQW WKHPHGLDORDGHGLQ
TXDOLW\VHWWLQJV \RXUSULQWHU


7URXEOHVKRRWLQJ
6ROYLQJ&RORU$FFXUDF\SUREOHPV

6ROYLQJ&RORU$FFXUDF\SUREOHPV
7KHVHDUHWZRDUHDV\RXVKRXOGUHYLHZZKHQWURXEOHVKRRWLQJDFRORUDFFXUDF\
SUREOHP

&RQILJXUDWLRQ 3RVW6FULSWRSWLRQRQO\
&KHFNWKDW\RXDUHXVLQJWKHFRUUHFWGULYHUVHWWLQJDQG&5'LQIRUPDWLRQIRU\RXU
VRIWZDUH&KHFNZKLFKLQNHPXODWLRQPRGHKDVEHHQVHOHFWHGLQWKHIURQWSDQHOVHH
SDJH6HOHFWLQJWKH,QN(PXODWLRQ0RGH 3RVW6FULSW2QO\ 

0HGLD
(QVXUHWKHPHGLDORDGHGLVJHQXLQH+3PHGLDDQGWKHFRUUHFWPHGLDW\SHVHOHFWHG
RQWKHIURQWSDQHODQGLQWKHGULYHU

&RORU&RQVLVWHQF\SUREOHPV
n ,IFRORUFRQVLVWHQF\LVLPSRUWDQWIRU\RXLWLVUHFRPPHQGHGWKDW\RXGRQRWXVH
+3*/WRSULQWZLWK
n 6RPHPHGLDPD\GLVFRORURUFKDQJHZLWKDJH&KHFNWKDW\RXUPHGLDLVIUHVK
DQGKDVEHHQVWRUHGFRUUHFWO\
n ,IWKHHQYLURQPHQWDOFRQGLWLRQV\RXDUHSULQWLQJLQFKDQJHUDSLGO\\RXPD\VHH
FKDQJHVLQWKHFRORUFRQVLVWHQF\%\UHGXFLQJWKHWLPHWKHSULQWVWD\VLQH[WUHPH
HQYLURQPHQWDOFRQGLWLRQVDIWHUEHLQJSULQWHG HVSHFLDOO\YHU\KLJKKXPLGLW\ \RX
FDQUHGXFHWKHFRORUFRQVLVWHQF\SUREOHPV
n ,I\RXQRWLFHWKDWWKHUHDUHFRORUFKDQJHVEHWZHHQGLIIHUHQWSULQWHUVLHEHWZHHQ
WKH&DQGWKLVSULQWHU,WLVQRUPDO7KHUHZLOOEHFRORUGLIIHUHQFHVEHWZHHQ
+3'HVLJQ-HWSULQWHUVEHFDXVHWKHRWKHUSULQWHUVXVHDGLIIHUHQWLQN

/RQJ7HUP&RORU%OHHGLQJ *ORVV\3DSHUV
,I\RXVHHWKHFRORUVDUHEOHHGLQJLQWRWKHSDSHULHWKHFRORULVVRDNLQJLQWRWKH
SDSHUPDNLQJWKHOLQHVIX]]\DQGEOHDU\7KLVZLOOEHEHFDXVHRIWKHKXPLGLW\
FRQGLWLRQVWKDW\RXDUHZRUNLQJXQGHU
n &KDQJHWKHSDSHUWKDW\RXDUHSULQWLQJZLWK
RU
n 5HPRYHWKHSULQWHUIURPWKHKLJKKXPLGLW\FRQGLWLRQV


7URXEOHVKRRWLQJ
6ROYLQJ&RORU$FFXUDF\SUREOHPV

&RORU$FFXUDF\&RQILJXUDWLRQ
7KHFRQILJXUDWLRQVRIWKHSULQWHUWKHGULYHUDQGWKHVRIWZDUH5,3VGHILQHKRZLQN
LVDSSOLHGWRHDFKW\SHRIPHGLD8VHWKHLQIRUPDWLRQLQWKHIROORZLQJWDEOHWR
FRQILJXUH\RXUSULQWHUDQGVRIWZDUHIRUEHVWFRORUDFFXUDF\

/RFDWLRQRI6HWWLQJ 6HWWLQJ'HVFULSWLRQ 6HOHFWLRQ


3ULQWHU)URQW3DQHO0HQX 0HGLD n 6HWWRPDWFKWKHPHGLD
W\SHORDGHGLQWKH
SULQWHU6HHSDJH
3DSHU7\SHV
,QN(PXODWLRQ 36RQO\ n 6HWWKHW\SHRI&0<.
LQNVWKDW\RXUVRIWZDUH
JHQHUDWHV,I\RXXVH+3
GULYHUVXVH³1DWLYH´
,QN/LPLWLQJ 36RQO\ n 6HWWR21
&RORU&DOLEUDWLRQ 36RQO\ n 6HWWR21
+3'ULYHUV 0HGLD n 6HWWRPDWFKWKHPHGLD
W\SHORDGHGLQWKH
SULQWHU6HHSDJH
3DSHU7\SHV
1RQ+3GULYHUV 0HGLDRUHTXLYDOHQWVHWWLQJ n 6HWWRPDWFKWKHPHGLD
6RIWZDUH5,36 W\SHORDGHGLQWKH
SULQWHU6HHWKH
GRFXPHQWDWLRQWKDW
FDPHZLWK\RXUVRIWZDUH
IRULQIRUPDWLRQ
&RORUFRUUHFWLRQRSWLRQRU n 'RWKHFRORUFRUUHFWLRQ
HTXLYDOHQW FDOLEUDWLRQLIRQHLV
DYDLODEOH

0HGLD
$OZD\VPDNHVXUHWKDW\RXDUHXVLQJWKHDSSURSULDWHPHGLDIRU\RXULPDJHDQGWKDW
LWLVFRQVLVWHQWZLWK\RXUVRIWZDUHDSSOLFDWLRQ7RHQVXUHFRORUDFFXUDF\DQGSULQW
TXDOLW\SHUIRUPDQFHRIWKHSULQWHUXVHRQO\PHGLDW\SHVWKDWKDYHEHHQFHUWLILHGIRU
\RXUSULQWHU8VHRIQRQ+3PHGLDRU+3PHGLDQRWFHUWLILHGIRUWKH\RXUSULQWHU
PD\VLJQLILFDQWO\UHGXFHWKHFRORUDQGSULQWTXDOLW\RI\RXULPDJHV)RUGHWDLOVRI
+3PHGLDVHHSDJH3DSHU7\SHVDQGWKH0HGLD*XLGHIRUWKH+3'HVLJQ-HW
3ULQWHUVVXSSOLHGZLWKWKHSULQWHU


7URXEOHVKRRWLQJ
6ROYLQJ&RORU$FFXUDF\SUREOHPV

:KHUHWR)LQG$GGLWLRQDO,QIRUPDWLRQ
7KHPHDQVRIDFFXUDWHO\PDQDJLQJWKHFRORUVSULQWHGE\\RXUSULQWHUYDU\ZLWKWKH
VRIWZDUHDSSOLFDWLRQDQGGULYHUEHLQJXVHG5HIHUWRWKHIROORZLQJGRFXPHQWDWLRQ
n 7KH6RIWZDUH$SSOLFDWLRQ1RWHVIRU\RXUDSSOLFDWLRQLQWKHSDFNDJHVKLSSHG
5($'< ZLWK\RXUSULQWHU
67$786
&<$1
5HDG\ 2.
0$*(17$ 2. n 2QOLQHGRFXPHQWDWLRQLQWKHGULYHUVVKLSSHGZLWK\RXUSULQWHU,I\RXFDQQRW
<(//2: 2.
%/$&. 2. ILQGDQ\UHDVRQIRUWKHGLVFUHSDQF\EHIRUHJHWWLQJKHOSILQGRXWIRUZKLFK
&0<.SULQWHULQNVWKHFRORUVKDYHEHHQVSHFLILHG

1RQ3RVW6FULSW $GGLWLRQDOO\UHPHPEHUWKDWIRU\RXUSULQWHUPD\EHFRQILJXUHGWRXVHRQHRILWV
LQWHUQDOSHQSDOHWWHVLQVWHDGRI\RXUVRIWZDUH
VSDOHWWH ZKLFKLVWKHGHIDXOW 6HHWKH
VHFWLRQVWDUWLQJRQSDJH&KDQJLQJ3HQ:LGWKVDQG&RORUV8VLQJWKH,QWHUQDO
3DOHWWHV

,I7KHUHDUH6OLJKWO\:DUSHG/LQHV
n 7KHPHGLDLWVHOIPD\EHZDUSHG7KLVFDQKDSSHQLILWKDVEHHQXVHGRUVWRUHGLQ
DQH[WUHPHHQYLURQPHQW)RUDOOHQYLURQPHQWDOVSHFLILFDWLRQVVHHSDJH

,I7KHUHDUH%OXUUHG/LQHV ,QN³%OHHGV´IURP/LQHV
n 3HUKDSV\RXKDYHDGMXVWHGWKHGU\LQJWLPHLQWKHIURQWSDQHOPHQXWRVSHHGXS
WKHSULQWHURXWSXW6HW³'U\LQJWLPH´WR³$XWRPDWLF´
)RUGHWDLOVRIGU\LQJWLPHDGMXVWPHQWVVHHSDJH

,IWKHUHDUHPDUNVRUVFUDWFKHVRQJORVV\SDSHUDIWHU
SULQWLQJ
*ORVV\SDSHUPD\EHH[WUHPHO\VHQVLWLYHWRWKHELQRUDQ\WKLQJWKDWLWFRPHVLQWR
FRQWDFWZLWKGLUHFWO\DIWHUSULQWLQJ7KLVZLOOGHSHQGRQWKHDPRXQWRILQNSULQWHG
DQGWKHHQYLURQPHQWDOFRQGLWLRQVWKDWDUHSUHVHQWDWWKHWLPHRISULQWLQJ$YRLGDQ\
FRQWDFWZLWKWKHSDSHUDQGKDQGOHWKHSULQWZLWKFDUHXQWLOTXLWHVRPHWLPHKDV
HODSVHG
,I\RXXVHJORVV\PHGLDDQGWKHUHLVGDPDJHWRWKHSULQWIURPWKHSDSHUELQ\RXFDQ
LQVWDOODFRYHUZKLFKJRHVDURXQGWKHELQDVVHPEO\DQGSURWHFWVWKHJORVV\SDSHU
IURPGDPDJH
127(,QFOXGHGZLWK+3PHGLDLVDERRN³3ULQWHU7LSV´WKDWLQFOXGHVDVHFWLRQRQ
WURXEOHVKRRWLQJSDSHUSUREOHPV


7URXEOHVKRRWLQJ
6ROYLQJ&RORU$FFXUDF\SUREOHPV

7KHUHDUH6PHDUVRU6FUDWFKLQJRQ<RXU3ULQWHG0HGLD
7KLVSUREOHPFDQDSSHDURQSDSHUEDVHGFRDWHGPHGLDLIDORWRILQNSULQWHGTXLFNO\
7KHPHGLDFDQQRWDEVRUEWKHLQNTXLFNO\HQRXJKDQGEHFRPHVGLVWRUWHG$VWKH
SULQWKHDGVPRYHRYHUWKHPHGLDWKHSULQWKHDGVDQGWKHPHGLDFRPHLQWRFRQWDFW
ZLWKHDFKRWKHUDQGWKHSULQWHGLPDJHLVVPHDUHG
 3UHVVWKH&DQFHONH\RQWKHIURQWSDQHOLI\RXFRQWLQXHWRSULQWWKHSDSHUPD\
GDPDJHWKHSULQWKHDGV
 &DQFHOWKHSULQWMREIURP\RXUFRPSXWHUDSSOLFDWLRQ
,QRUGHUWRREWDLQEHWWHUUHVXOWVSHUIRUPWKHIROORZLQJ
n 8VH+3UHFRPPHQGHGPHGLD,IWKHLPDJH\RXDUHSULQWLQJKDVLQWHQVHFRORUXVH
+3+HDY\&RDWHG3DSHU
n 8VHH[WHQGHGPDUJLQVVHHSDJH$GMXVWLQJ0DUJLQVRUWU\WRLQFUHDVHWKH
SULQWPDUJLQVE\UHORFDWLQJWKHLPDJHLQWKHSDJHIURP\RXUVRIWZDUH
DSSOLFDWLRQV
n ,I\RXDUHXVLQJµ0HGLD6DYLQJ2SWLRQV¶IURPWKHDGYDQFHGVHFWLRQRIWKH+3
*/'ULYHUWU\GLVDEOLQJRQHRUERWKWKHRSWLRQVµDXWRURWDWH¶DQGµLQNHGDUHD¶
,IWKHDERYHIDLOVWRVROYHWKHSUREOHPRIVPHDUVDQGVFUDWFKLQJFKDQJHWKHPHGLD
\RXDUHXVLQJWRDQRQSDSHUEDVHGPHGLDVXFKDVJORVV\ILOP

,I\RXXVHJORVV\PHGLDDQGWKHUHLVGDPDJHWRWKHSULQWIURPWKHSDSHUELQ
XQGHUQHDWKWKHSULQWHU\RXFDQLQVWDOODFRYHUZKLFKJRHVDURXQGWKHELQDVVHPEO\
DQGSURWHFWVWKHJORVV\SDSHUIURPGDPDJH


7URXEOHVKRRWLQJ
6ROYLQJ0HGLD+DQGOLQJ3UREOHPV

6ROYLQJ0HGLD+DQGOLQJ3UREOHPV

7KH)URQW3DQHO.HHSV,QGLFDWLQJWKDW0HGLD,V
0LVDOLJQHGRU,QFRUUHFWO\3RVLWLRQHG
5ROOPHGLD n 7KHUROOPD\EHORDGHGWKHZURQJZD\7KHSDSHUVKRXOGORDGRYHUWKHUROO
WRZDUG\RX
n 7KHSDSHUPD\EHORDGHGDWDQDQJOH7KHULJKWKDQGHGJHPXVWEHSDUDOOHOWRWKH
OLQHRQWKHSDSHUHQWU\UROOHU
n (QVXUHWKDWWKHSDSHULVZUDSSHGWLJKWO\RQWKHUROO
n 3HUIRUPWKHPDQXDODOLJQPHQWSURFHGXUHRQSDJH/RDGLQJ5ROO3DSHU
8VLQJ0DQXDO$OLJQPHQW
n &KHFNWKDWWKHSDSHULVFRUUGFWO\ORDGHGRQWRWKHVSDLQGOH

6KHHWPHGLD n ,WPXVWEHORDGHGZLWKWKHULJKWKDQGHGJHDJDLQVWWKHEOXHSHUIRUDWHGOLQHRQWKH
SULQWHU
n 7KHPHGLDPD\EHFUXPSOHGRUZDUSHGRUPD\KDYHLUUHJXODUHGJHV
n ,I\RXDUHXVLQJKDQGFXWPHGLDWKHHGJHVPD\QRWIRUPDULJKWDQJOHRUWKH\
PD\EHURXJK'RQRWXVHKDQGFXWPHGLD8VHRQO\SXUFKDVHGVKHHWPHGLD
n ,IWKHPHGLD\RXDUHWU\LQJWRORDGLVYHU\VOLSSHU\KROGWKHPHGLDZLWKERWK
KDQGVDQGJHQWOHSXVKWKHPHGLDLQWRWKHSULQWHUXQWLOLWEXFNOHVXSZDUGVLQWKH
PLGGOHWKLVZLOOKHOSWKHSULQWHUWRORDGLW


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV


6ROYLQJ+31R6XSSOLHV3UREOHPV
0RVWRIWKHSUREOHPVWKDW\RXFRXOGHQFRXQWHUZKHQZRUNLQJZLWKWKH+31R
VXSSOLHVDUHVROYHGZLWKJXLGDQFHIURPWKHIURQWSDQHO$IXOOOLVWRIIURQWPHVVDJHV
DUHVXSSOLHGRQSDJH0HVVDJH'HVFULSWLRQVDQG$FWLRQV

3UREOHPVUHVHDWLQJWKHSULQWKHDG
,I\RXKDYHLQVHUWHGWKHSULQWKHDGLQWRWKHSULQWKHDGFDUULDJHDVVHPEO\DQGWKH
SULQWHUGRHVQRW³%((3´SHUIRUPWKHIROORZLQJVWHSV
n &KHFNWKDW\RXKDYHUHPRYHGWKHSURWHFWLYHWDSHIURPWKHSULQWKHDG
n ,QVHUWWKHSULQWKHDGLQWRWKHFDUULDJHDVVHPEO\EXWWKLVWLPHFORVHWKHFRYHUXVLQJ
WKHODWFK
n &OHDQWKHHOHFWULFDOFRQWDFWVRQERWKWKHSULQWKHDGVDQGWKHSULQWKHDGFDUULDJH
DVVHPEO\XVLQJWKHFDUULDJHLQWHUFRQQHFWZLSHUSURFHGXUHUHIHUWR
&DUULDJH,QWHUFRQQHFW:LSHU
n 5HSODFHWKHSULQWKHDGZLWKDQHZRQH

<RX&DQQRW,QVHUWWKH,QN&DUWULGJH,QWRWKH3ULQWHU
 (QVXUHWKDW\RXKDYHWKHFRUUHFW+31RLQNFDUWULGJH
 (QVXUHWKDWWKHFDUWULGJHLVWKHFRUUHFWFRORUIRUWKDWVORW
 (QVXUHWKDWWKHFDUWULGJHLVWKHFRUUHFWRULHQWDWLRQZLWKWKHFRORUFRGHGODEHODWWKH
WRS

&$87,21 1HYHUFOHDQLQVLGHWKHLQNFDUWULGJHVORWV

<RX&DQQRW,QVHUWWKH3ULQWKHDG,QWRWKH3ULQWHU
 (QVXUHWKDW\RXKDYHWKHFRUUHFW+31RSULQWKHDG
 (QVXUHWKDWWKHSULQWKHDGLVWKHFRUUHFWFRORUIRUWKDWVORW
 (QVXUHWKDWWKHSULQWKHDGLVWKHFRUUHFWRULHQWDWLRQ
6HHSDJH:RUNLQJZLWK+31R6XSSOLHVIRUGHWDLOV


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV

<RX&DQQRW,QVHUWWKH3ULQWKHDG&OHDQHU,QWRWKH3ULQWHU
 (QVXUHWKDW\RXKDYHWKHFRUUHFW+31RSULQWKHDGFOHDQHU
 (QVXUHWKDWWKHSULQWKHDGFOHDQHULVWKHFRUUHFWFRORUIRUWKDWVORW
 (QVXUHWKDWWKHSULQWKHDGFOHDQHULVWKHFRUUHFWRULHQWDWLRQ
6HHSDJH:RUNLQJZLWK+31R6XSSOLHVIRUGHWDLOV


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV

&DUULDJH,QWHUFRQQHFW:LSHU
:KHQHYHU\RXUHSODFHWKHSULQWKHDGFKHFNWKHHPSW\VORWVWRVHHLIWKH\QHHG
FOHDQLQJ,QH[WUHPHFLUFXPVWDQFHVZKHQDSULQWKHDGLVLQVHUWHGLWLVSRVVLEOHWKDW
WKHSULQWHUZLOOQRWUHFRJQL]HLWGXHWRWKHEXLOGXSRILQNRQWKHHOHFWULFDO
FRQQHFWLRQEHWZHHQWKHSULQWKHDGDQGWKHSULQWKHDGFDUULDJH
,QFOXGHGZLWK\RXU'HVLJQ-HWSULQWHULVD&DUULDJH,QWHUFRQQHFW:LSHU +30RGHO
1R& 7KLVWRROLVSURYLGHGLQDVHSDUDWHSDFNDJH,WDOVRFRQWDLQV
UHSODFHPHQWVSRQJHVDQGDQLQVWUXFWLRQVKHHW7KLVWRROVKRXOGEHXVHGIRUFOHDQLQJ
WKHHOHFWULFDOLQWHUFRQQHFWVRIERWKWKHSULQWKHDGFDUULDJHDQGWKHSULQWKHDG
,IWKHIURQWSDQHOGLVSOD\VWKHPHVVDJH³5HVHDW´RUSRVVLEO\³)DLOHG´QH[WWRWKH
RIIHQGLQJSULQWKHDGWU\SHUIRUPLQJWKHIROORZLQJSURFHGXUH

&

127( 'R QRW WRXFK ZLSH RU DWWHPSW WR FOHDQ WKH SULQWKHDG QR]]OHV 7KLV FDQ
GDPDJHWKHSULQWKHDGDQGUHGXFHSULQWTXDOLW\

 7R&OHDQWKH&DUULDJH(OHFWULFDO,QWHUFRQQHFWUHPRYHDQHZSUHPRLVWHQHG
UHSODFHPHQWVSRQJHIURPLWVSRXFK$VXSSO\RIVSRQJHVLVLQFOXGHGLQWKHER[ZLWK
WKHWRRO,IDOOVSRQJHVKDYHEHHQXVHGPRUHFDQEHREWDLQHGE\FRQWDFWLQJ\RXU+3
FXVWRPHUVHUYLFHUHSUHVHQWDWLYH

&


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV
 2SHQWKHFDUULDJHLQWHUFRQQHFWZLSHU

&

 /RDGWKHVSRQJHLQWRWKHFDUULDJHLQWHUFRQQHFWZLSHUE\SRVLWLRQLQJWKHVSRQJHRQ
WKHIDFHRIWKHFDUULDJHLQWHUFRQQHFWZLSHUZLWKWKHVKRUWHUWDELQWKHORFDWLQJVORW

&


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV

 &ORVHWKHFDUULDJHLQWHUFRQQHFWZLSHUWUDSSLQJWKHVSRQJHLQSODFH

&

 2SHQWKHSULQWKHDGFDUULDJHODWFKDQGH[WUDFWWKHSULQWKHDGWKDWKDVWKHSUREOHPDV
LQGLFDWHGRQWKHIURQWSDQHO8VHWKHSURFHGXUHVRQSDJH3ULQWKHDG5HPRYDO


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV
 ,QVHUWWKHFDUULDJHLQWHUFRQQHFWZLSHULQWRWKHSULQWKHDGVORWDWWKHEDFN:LSHWKH
HOHFWULFDOFRQWDFWVE\LQVHUWLQJWKHWRROEHWZHHQWKHHOHFWULFDOFRQQHFWLRQVDWWKH
EDFNRIWKHVORWDQGWKHVWHHOVSULQJZLWKWKHVSRQJHIDFLQJDZD\IURP\RXWRZDUGV
WKHHOHFWULFDOFRQWDFWV

&

 5XEWKHVSRQJHDJDLQVWWKHFRQWDFWVZLWKDOLJKWIRUFHDORQJWKHHQWLUHGHSWKRIWKH
IOH[FRQQHFWRUDVDOORZHGE\WKHPHFKDQLFDOVWRSRQWKHWRRO

&


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV

 7DNHVSHFLDOFDUHWRWKRURXJKO\FOHDQDOOFRQWDFWVLQFOXGLQJWKHRQHVDWWKHORZHVW
SRLQWRIWKHFRQQHFWRU

&

 8VLQJWKHVDPHVSRQJHFOHDQWKHHOHFWULFDOFRQWDFWVRQWKHSULQWKHDG
&OHDQWKHHOHFWULFDO
FRQWDFWV 'RQRWFOHDQKHUH

&
&

&$87,21 'R QRW WRXFK WKH VXUIDFH RI WKH SULQWKHDG FRQWDLQLQJ WKH QR]]OHV DV LW PD\
GDPDJHWKHP

 $IWHUZDLWLQJDIHZPRPHQWVWRDOORZERWKFRQQHFWRUVWRGU\UHSODFHWKHSULQWKHDG
LQWRWKHSULQWKHDGFDUULDJHDVLQVWUXFWHGE\WKH3ULQWKHDG,QVWDOODWLRQSURFHGXUH


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV
127( ,I WKH SUREOHP VWLOO SHUVLVWV UHSODFH WKH SULQWKHDG RU FDOO \RXU +3
UHSUHVHQWDWLYH

 2QFRPSOHWLRQRIWKHFOHDQLQJSURFHVVRSHQWKHFDUULDJHLQWHUFRQQHFWZLSHUE\
SXOOLQJRQWKHVSRQJHWDE

&

 5HPRYHWKHVRLOHGVSRQJHIURPWKHFDUULDJHLQWHUFRQQHFWZLSHU

&


7URXEOHVKRRWLQJ
6ROYLQJ+31R6XSSOLHV3UREOHPV

 'LVSRVHRIWKHVRLOHGVSRQJHLQDVDIHSODFHWRSUHYHQWWKHWUDQVIHURILQNRQWRKDQGV
DQGFORWKLQJ

&


7URXEOHVKRRWLQJ
&OHDULQJD0HGLD-DP

&OHDULQJD0HGLD-DP
,IWKHIURQWSDQHOGLVSOD\VDQ\RIWKHIROORZLQJ

6ZLWFK3RZHURII 6ZLWFK3RZHURII

&KHFNSULQWKHDGSDWK &KHFNSDSHUSDWK
[[[[[VKXWGRZQ [[[[[VKXWGRZQ

 6ZLWFKWKHSULQWHURIIDWWKHIURQWSDQHORSHQWKHZLQGRZ
 &DUHIXOO\PRYHWKHSULQWKHDGFDUULDJHRXWRIWKHZD\LISRVVLEOHDOOWKHZD\WRWKH
HQFORVHGDUHDRQWKHOHIWRUWKHULJKW:KLFKZD\\RXDUHDEOHWRPRYHLWGHSHQGVRQ
ZKHUHWKHPHGLDLVMDPPHG

&$87,21 :KHQPRYLQJWKHSULQWKHDGFDUULDJHWRXFKRQO\WKHEODFNSODVWLFSDUWV

 &DUHIXOO\UHPRYHDQ\RIWKHMDPPHGPHGLDZKLFK\RXFDQHDVLO\OLIWXSDQGRXW
IURPWKHWRSRIWKHSULQWHU
 &DUHIXOO\SXOOWKHUHVWRIWKHUROORUVKHHWGRZQDQGRXWRIWKHSULQWHU
 /RZHUWKHZLQGRZDQGOLIWXSWKHKDQGOHVDQGVZLWFKRQWKHSULQWHU3UHVVWKH)RUP
)HHGDQG&XWNH\WRHMHFWDQ\SLHFHVRIPHGLDWKDWDUHVWLOOLQWKHPHGLDSDWK
127('HSHQGLQJRQWKHVWDWXVRIWKHSULQWHUZKHQWKHPHGLDMDPRFFXUUHGLWPD\
FKHFN WKH LQN V\VWHP FRPSRQHQWV QRZ VHH FKDSWHU   :RUNLQJ ZLWK +3 1R
6XSSOLHVIRUPRUHLQIRUPDWLRQ

 5HORDGWKHPHGLDDVQRUPDOVHHSDJH/RDGLQJ5ROO3DSHU,I\RXDUHXVLQJUROO
PHGLD\RXPD\QHHGWRWULPWKHHGJHILUVW
 ,I\RXKDYHLPDJHTXDOLW\SUREOHPVDIWHUDSDSHUMDPUHPRYHWKHSULQWKHDGVDQGUH
LQVWDOOWKHPVHHIRUGHWDLOVRQKRZWRGRWKDW
127(,IWKHUHLVVWLOOSDSHUOHIWLQWKHSDSHUSDWKWU\ORDGLQJDVWLIIULJLGSDSHUW\SH
LQWRWKHSULQWHUVXFKDVKHDY\FRDWHGRUPDWWHILOPWKLVZLOOKHOSWRIRUFHRXWDQG
SDSHUMDPPHGLQWKHSDSHUSDWK


7URXEOHVKRRWLQJ
6ROYLQJ&RPPXQLFDWLRQ3UREOHPV


6ROYLQJ&RPPXQLFDWLRQ3UREOHPV

,IWKHUHLVD3UREOHP&RPPXQLFDWLQJEHWZHHQ<RXU
&RPSXWHUDQGWKH3ULQWHU
6RPHV\PSWRPVRIDFRPPXQLFDWLRQSUREOHPDUH
n 7KHIURQWSDQHOGLVSOD\GRHVQRWVKRZ67$7865HFHLYLQJ
n <RXUFRPSXWHUGLVSOD\VDQHUURUPHVVDJHZKHQ\RXDUHWU\LQJWRSULQW
n <RXUFRPSXWHURUSULQWHU³KDQJV´ VWD\VLGOH ZKLOHFRPPXQLFDWLRQLVWDNLQJ
SODFH
n <RXUSULQWHGRXWSXWVKRZVUDQGRPRULQH[SOLFDEOHHUURUV PLVSODFHGOLQHV
SDUWLDOJUDSKLFVHWF

,WHPVWRVWDUWFKHFNLQJDUH
n +DYH\RXVHOHFWHGWKHFRUUHFWLQWHUIDFHSRUWLQ\RXUVRIWZDUH"
n 'RHVWKHSULQWHUZRUNFRUUHFWO\ZKHQUHFHLYLQJILOHVIURPRWKHUVRIWZDUH"
n ,IWKHSULQWHULVFRQQHFWHGWRDQHWZRUNWU\XVLQJLWZKHQFRQQHFWHGGLUHFWO\WR
\RXUFRPSXWHU
n ,I\RXUSULQWHULVFRQQHFWHGWR\RXUFRPSXWHUWKURXJKDQ\RWKHULQWHUPHGLDWH
GHYLFHVVXFKDVVZLWFKER[HVEXIIHUER[HVFDEOHDGDSWHUVFDEOHFRQYHUWHUV
HWFWU\XVLQJLWZKHQFRQQHFWHGGLUHFWO\WR\RXUFRPSXWHU
n 7U\DQRWKHULQWHUIDFHFDEOH)RUGHWDLOVRIVXSSRUWHGFDEOHVVHHSDJH)RU
VSHFLILFDWLRQVRIWKH+3-HW'LUHFW3ULQW6HUYHU 1HWZRUN,QWHUIDFH VHHWKH
-HW'LUHFW3ULQW6HUYHUGRFXPHQWDWLRQVXSSOLHGZLWKWKH3ULQW6HUYHU,QWHUIDFHRU
FRQVXOW\RXUGHDOHU


7URXEOHVKRRWLQJ
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW

6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW
,I\RXGRQ
WILQGWKHVROXWLRQWRWKHSUREOHPKHUHRWKHUVRXUFHVRIKHOSDUH
n 7KHGRFXPHQWDWLRQVXSSOLHGZLWKWKHGULYHUWKDW\RXDUHXVLQJWRPDQDJHWKH
RXWSXWIURP\RXUVRIWZDUHDSSOLFDWLRQWRWKHSULQWHU
)RUH[DPSOHWKHRQOLQHDQGSULQWHGGRFXPHQWDWLRQLQFOXGHGLQWKHIROORZLQJ
GULYHUVVXSSOLHGZLWK\RXUSULQWHU
± +3'HVLJQ-HW3RVW6FULSWŠGULYHUVIRU3RZHU0DFLQWRVKŠDQG0DFLQWRVKŠ
4XLFN'UDZŒ
± +3'HVLJQ-HW3RVW6FULSWŠGULYHUVIRU0LFURVRIWŠ:LQGRZVŒDSSOLFDWLRQV
± +3GULYHUVIRU$XWR&$'Œ XVHUV
± +3*/:LQGRZVGULYHUV
n 7KH+3*/GULYHUGRFXPHQWDWLRQVXSSOLHGZLWK\RXUDSSOLFDWLRQVRIWZDUH

,IWKH3ULQWLV&RPSOHWHO\%ODQN
n ,IWKHIURQWSDQHOJUDSKLFVODQJXDJHVHWWLQJLV$XWRPDWLF WKHGHIDXOW WU\WKH
RWKHUVHWWLQJV 3RVW6FULSWIRUD3RVW6FULSWILOH+3*/IRUDQ+3*/ILOH
HWFDQGVHQGWKHILOHDJDLQ

,IWKH2XWSXW&RQWDLQV2QO\D3DUWLDO3ULQW
n 'LG\RXSUHVV&DQFHORU)RUP)HHGDQG&XWEHIRUHDOOWKHGDWDZDVUHFHLYHG
E\WKHSULQWHU",IVR\RXKDYHHQGHGWKHGDWDWUDQVPLVVLRQDQGZLOOKDYHWRSULQW
WKHSDJHDJDLQ <RXQRUPDOO\GRQ
WQHHGWRSUHVV)RUP)HHGDQG&XWWRXQORDG
WKHSULQW
n 7KH,26HWXS,27LPHRXWVHWWLQJPD\EHWRRVKRUW)URPWKHIURQWSDQHOPHQX
\RXFDQLQFUHDVHWKH,27LPHRXWVHWWLQJWRDORQJHUSHULRGDQGWKHQVHQGWKH
SULQWDJDLQ
n 7KHILOHPD\EHWRRODUJHIRUWKHSULQWHU
VPHPRU\<RXFDQLQVWDOOH[WUDPHPRU\
LQ\RXSULQWHUVHHSDJH8SJUDGLQJ<RXU3ULQWHU6HHWKH6HWXS*XLGHIRU
LQVWDOODWLRQLQIRUPDWLRQ
n 7KHUHPD\EHDFRPPXQLFDWLRQVSUREOHPEHWZHHQ\RXUFRPSXWHUDQGWKH
SULQWHU&KHFN\RXULQWHUIDFHFDEOH
n &KHFNWRPDNHVXUHWKDW\RXUVRIWZDUHVHWWLQJVDUHFRUUHFWIRU\RXUFXUUHQWSDJH
VL]H HJORQJD[LVSULQWV 
n ,I\RXDUHXVLQJQHWZRUNVRIWZDUHPDNHVXUHLWKDVQRWWLPHGRXW


7URXEOHVKRRWLQJ
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW

,IWKH,PDJHLV&OLSSHG
n 7KLVQRUPDOO\LQGLFDWHVDGLVFUHSDQF\EHWZHHQWKHDFWXDOSULQWLQJDUHDRQWKH
ORDGHGPHGLDDQGWKHSULQWLQJDUHDDVXQGHUVWRRGE\\RXUVRIWZDUH)RUJHQHUDO
DGYLFHRQSULQWLQJDUHDVDQGSDJHVL]HVHHFKDSWHU
n &KHFNWKHDFWXDOSULQWLQJDUHDIRUWKHPHGLDVL]H\RXKDYHORDGHGSULQWLQJDUHD
PHGLDVL]HPLQXVPDUJLQV)RUPHGLDVL]HDQGPDUJLQVVHHSDJH
n &KHFNZKDW\RXUVRIWZDUHXQGHUVWDQGVWREHWKHSULQWLQJDUHD ZKLFKLWPD\FDOO
³SULQWDEOHDUHD´RU³LPDJDEOHDUHD´ )RUH[DPSOHVRPHVRIWZDUHDSSOLFDWLRQV
DVVXPHVWDQGDUGSULQWLQJDUHDVWKDWDUHODUJHUWKDQWKRVHXVHGLQWKLVSULQWHU
n &KHFNWKDWWKHRULHQWDWLRQRIWKHPHGLDLVWKHVDPHDVWKDWDVVXPHGE\\RXU
VRIWZDUH7KHIURQWSDQHO3DJHIRUPDW5RWDWHRSWLRQFKDQJHVWKHRULHQWDWLRQRI
DSULQWDQGRQUROOPHGLDWKHRULHQWDWLRQRIWKHSDJH,WLVSRVVLEOHWKDWDURWDWHG
LPDJHRQUROOPHGLDPD\EHVOLJKWO\FOLSSHGLQRUGHUWRUHWDLQWKHFRUUHFWSDJH
VL]HDVH[SODLQHGRQSDJH
n <RXPD\KDYHDVNHGWRURWDWHWKHSDJHIURPSRUWUDLWWRODQGVFDSHRQPHGLDWKDW
LVQRWZLGHHQRXJKIRUH[DPSOHD'$VL]HSDJHURWDWHGRQD'$VL]HUROO
n ,IQHFHVVDU\FKDQJHWKHSULQWLQJDUHDLQ\RXUVRIWZDUH
n 7KHILOHPD\EHWRRODUJHIRUWKHSULQWHU¶VPHPRU\7KLVLVWKHFDVHLIWKHIURQW
SDQHOGLVSOD\V³2XWRIPHPRU\GDWDZDVORVW´6HHSDJH2UGHULQJ
$FFHVVRULHVIRUGHWDLOVRIPHPRU\H[SDQVLRQPRGXOHV

,ID/RQJ$[LV3ULQW,V&OLSSHG
n 'RHV\RXUVRIWZDUHVXSSRUWORQJD[LVSULQWV"
n +DYH\RXVSHFLILHGDQDSSURSULDWHPHGLDVL]HLQ\RXUVRIWZDUH"
n 8QOHVVLWLVD3RVW6FULSWILOHPDNHVXUHWKDWWKHSULQWHU¶V3DJHIRUPDW6L]HLVVHW
WR,QNHGDUHD
n 7KHUHPD\QRWEHVXIILFLHQWPHPRU\6HHSDJH/RQJ$[LV3ULQWLQJ
/LPLWDWLRQV


7URXEOHVKRRWLQJ
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW

,IWKH(QWLUH,PDJHLVLQ2QH4XDGUDQWRIWKH&RUUHFW
3ULQWLQJ$UHD
n ,VWKHSDJHVL]HFRQILJXUHGLQWKHVRIWZDUHWRRVPDOO"
n $UH\RXVXUHWKDW\RXUVRIWZDUHGRHVQ
WEHOLHYHWKHLPDJHWREHLQRQHTXDGUDQW
RIWKHSDJH"
2WKHUZLVHWKLVLQGLFDWHVDQLQFRPSDWLELOLW\EHWZHHQWKHVRIWZDUHDQGWKHSULQWHU
n ,V\RXUVRIWZDUHFRQILJXUHGIRUWKLVSULQWHU")RUJHQHUDODGYLFHVHH6HW8S<RXU
6RIWZDUHLQWKH6HWXS*XLGH)RUDGYLFHVSHFLILFWR\RXUVRIWZDUHVHHHLWKHUWKH
GRFXPHQWDWLRQVXSSOLHGZLWKWKHGULYHURUDQ\6RIWZDUH$SSOLFDWLRQ1RWHV
VXSSOLHGZLWK\RXUSULQWHU
n ,I\RXVWLOOKDYHQ
WIRXQGWKHVROXWLRQWU\FKDQJLQJWKHSULQWHU
V*UDSKLFV
/DQJXDJHVHWWLQJRQWKHIURQWSDQHO 'HYLFHVHWXS/DQJ 

,IWKH,PDJH,V8QH[SHFWHGO\5RWDWHG
n &KHFNWKHIURQWSDQHO3DJHIRUPDW5RWDWHVHWWLQJ
n )RUQRQ3RVW6FULSWILOHV,I4XHXHLQJDQG1HVWLQJDUHERWK21SDJHVPD\EH
DXWRPDWLFDOO\URWDWHGWRVDYHPHGLD6HHSDJH5RWDWLQJDQ,PDJH
3RVW6FULSW
n )RUDQH[SODQDWLRQRIURWDWLRQIRU3RVW6FULSWILOHVVHHSDJH5RWDWLQJDQ
,PDJH 3RVW6FULSW 

,IWKH3ULQW,VD0LUURU,PDJHRI<RXU,PDJH
n &KHFNWKHIURQWSDQHO3DJHIRUPDW0LUURUVHWWLQJ

,IWKH3ULQWLV'LVWRUWHGRU8QLQWHOOLJLEOH
n 7KHLQWHUIDFHFDEOHEHWZHHQ\RXUFRPSXWHUDQGWKHSULQWHUFRXOGEHIDXOW\7U\
DQRWKHUFDEOHWRVHHLIWKHSUREOHPLVFRUUHFWHG
n ,I\RXKDYHFRQQHFWHG\RXUFRPSXWHUWRWKHSDUDOOHOSRUWRQWKHSULQWHUPDNH
VXUH\RXDUHXVLQJDJHQXLQH+3SDUDOOHOLQWHUIDFHFDEOH
n ,IWKHIURQWSDQHOJUDSKLFVODQJXDJHVHWWLQJLV$XWRPDWLF WKHGHIDXOW WU\WKH
RWKHUVHWWLQJV 3RVW6FULSWIRUD3RVW6FULSWILOH+3*/IRUDQ+3*/ILOH
HWF DQGVHQGWKHILOHDJDLQ
n 'HSHQGLQJRQWKHVRIWZDUHGULYHUVDQG5,3V\RXDUHXVLQJZLWK\RXUSULQWHU
WKHUHZLOOEHGLIIHUHQWVROXWLRQVWRVROYLQJWKLVSUREOHP5HIHUWRWKH9HQGRU¶V
8VHU'RFXPHQWDWLRQIRUGHWDLOV


7URXEOHVKRRWLQJ
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW

,I2QH,PDJH2YHUOD\V$QRWKHURQWKH6DPH6KHHW
n 7KH,26HWXS,27LPHRXWVHWWLQJPD\EHWRRORQJ)URPWKHIURQWSDQHOPHQX
GHFUHDVHWKHVHWWLQJDQGSULQWDJDLQ

,I3HQ6HWWLQJV6HHPWRKDYH1R(IIHFW
n (LWKHU\RXKDYHFKDQJHGWKHPLQ3HQVHWWLQJV'HILQHSDOHWWHEXWIRUJRWWHQWR
VHOHFWWKDWSDOHWWHLQ3HQVHWWLQJV3DOHWWH
n 2U\RXH[SHFWHGWKHVRIWZDUHGULYHQSHQVHWWLQJVEXWLQWKHIURQWSDQHO3HQ
VHWWLQJV3DOHWWHLVQRWVHWWR6RIWZDUH
n 2U\RXFKDQJHGWKHVHWWLQJLQWKHIURQWSDQHOEXWWKLVKDVEHHQLJQRUHGE\WKH
SULQWHUEHFDXVHWKHGULYHUVHWWLQJKDVQRWEHHQFKDQJHG

,IWKH3ULQWHU3URGXFHVD%ODFNDQG:KLWH3ULQW:KHQ<RX
([SHFWHGD&RORU3ULQW
n &KHFNWKHIURQWSDQHO&RORU*UD\VFDOHVHWWLQJDQGWKHHTXLYDOHQWVHWWLQJLQ\RXU
VRIWZDUH


7URXEOHVKRRWLQJ
6ROYLQJ3UREOHPVZLWK,PDJH3RVLWLRQRU&RQWHQW

,IWKH3ULQWHUKDV3ULQWHGD'LIIHUHQW3ULQWIURPWKH2QH
<RXZHUH([SHFWLQJ
2QHSRVVLELOLW\LVWKDW\RXKDYHDFFLGHQWDOO\LQLWLDWHGRQHRIWKHSULQWHU
V
LQWHUQDOSULQWV
n 7KHSULQWKHDG$OLJQPHQW3ULQW $VPDOOSDWWHUQRIFRORUHGVTXDUHVZLWKRXW
WH[W 7KLVLVSULQWHGDXWRPDWLFDOO\HYHU\WLPH\RXUHSODFHDSULQWKHDG
n 7KH&XUUHQW&RQILJXUDWLRQ3ULQW7KLVLVSULQWHGE\VLPXOWDQHRXVO\SUHVVLQJWKH
WZRDUURZNH\VRQWKHIURQWSDQHO
n 7KHSULQWTXDOLW\SULQW7KLVLVSULQWHGIURPWKH8WLOLWLHV6HUYLFHWHVWV,PDJH
TXDOLW\SULQWPHQX
n 7KH6HUYLFHSULQW7KLVSURYLGHVLQIRUPDWLRQQHHGHGIRUSULQWHUVHUYLFLQJVXFK
DVWKHFXUUHQWFRQILJXUDWLRQRSHUDWLQJFRQGLWLRQV WHPSHUDWXUHDQGKXPLGLW\ 
LQNOHYHOVDQGRWKHUVWDWLVWLFVDERXWSULQWHUXVDJH

2U\RXPD\KDYHLQLWLDWHGRQHRIWKHIROORZLQJ,QWHUQDOSULQWVZKLFKDUH
n 3RVW6FULSW)RQWVSULQW
n 7KH+3*/&RQILJXUDWLRQSULQW
n 7KHPHQXSULQW
n 7KH3DOHWWHSULQW
n 8VDJH5HSRUW
n 3ULQW4XDOLW\3ULQW
n 6HUYLFH&RQILJXUDWLRQ

,I3DJH)RUPDWRU5RWDWHGRHVQRW:RUN
n 7KHILOHPD\EHWRRODUJHIRUWKHSULQWHU
VPHPRU\7KLVLVWKHFDVHLIWKHIURQW
SDQHOGLVSOD\V³2XWRIPHPRU\GDWDZDVORVW´6HHSDJH2UGHULQJ
$FFHVVRULHVIRUGHWDLOVRIPHPRU\H[SDQVLRQPRGXOHV
n 7KHSULQWHUFDQQRWURWDWHUDVWHULPDJHV H[FHSWIRU3RVW6FULSWILOHV ,I\RXUQRQ
3RVW6FULSWILOHFRQWDLQVUDVWHUGDWD W\SLFDOO\LPDJHVZLWKKHDY\DUHDILOODQG
VKDGLQJWKDW\RXKDYHVFDQQHGLQWR\RXUVRIWZDUH \RXZLOOQRWEHDEOHWRURWDWH
WKHSULQW
n <RXUGULYHUGRHVQRWDOORZWKLVWRKDSSHQ


7URXEOHVKRRWLQJ
6ROYLQJ)URQW3DQHO3UREOHPV


6ROYLQJ)URQW3DQHO3UREOHPV

,ID'LVSOD\0HVVDJHLVQRW&OHDU
n /RRNXSWKHPHVVDJHLQFKDSWHU)URQW3DQHO0HVVDJHV7KHPHVVDJH
GHVFULSWLRQPD\KHOS\RXXQGHUVWDQGDQGUHVROYHWKHSUREOHP
n ,IORRNLQJXSWKHPHVVDJHGLGQRWKHOSSUHVV(QWHU,IWKDWGRHVQRWZRUNWXUQ
WKHSRZHURIIWKHQRQDJDLQ,IWKHPHVVDJHVWLOOGLVSOD\VKDYHWKHSULQWHU
VHUYLFHG,IWKHPHVVDJHVD\V³6\VWHP(UURU´DQGKDVDQDOSKDQXPHULFFRGH
UHIHUWRWKHQH[WH[SODQDWLRQ


7URXEOHVKRRWLQJ
6ROYLQJ)URQW3DQHO3UREOHPV

6\VWHP(UURUV
7KHUHDUHWZRW\SHVRIV\VWHPHUURUPHHVDJH
n &RQWLQXDEOH

6\VWHPHUURU
$)%
&RQWDFW+3UHSUHVHQWDWLYH
3UHVVHQWHUWRFRQWLQXH
,IHYHU\WLPH\RXVZLWFKWKHSULQWHURQLWGLVSOD\VWKLVPHVVDJH\RXPXVWFRQWDFW+3
VXSSRUW$SULQWHUZLWKWKLVPHVVDJHLVVWLOOFDSDEOHRISULQWLQJEXWFKHFNWKHLPDJH
TXDOLW\
n 1RQFRQWLQXDEOH

6\VWHPHUURU
$)%
&RQWDFW+3UHSUHVHQWDWLYH
6ZLWFKSULQWHURII
 7XUQWKHSULQWHURIIWKHQRQDJDLQWRWU\WRFOHDUWKHHUURUPHVVDJH
 &RQWDFW+3VHHSDJH*HWWLQJ+HOSRUUHIHUWRWKH+36XSSRUW6HUYLFHV
ERRNOHW,I\RXKDYHWKHFXUUHQWFRQILJXUDWLRQSULQWZLWK\RXLWZLOOKHOSWKHVHUYLFH
HQJLQHHU

,IDQ³2XW2I0HPRU\'DWD:DV/RVW´0HVVDJH,V
'LVSOD\HG
n 7KHFXUUHQWILOHLVWRRODUJHIRUWKHSULQWHU
VPHPRU\

)LOH6L]HDQG0HPRU\8VDJH
7KHUHLVQRGLUHFWUHODWLRQVKLSEHWZHHQILOHVL]HRQ\RXUFRPSXWHUDQGPHPRU\XVHG
LQWKHSULQWHUWRSULQWWKDWILOH,QIDFWEHFDXVHRIILOHFRPSUHVVLRQ DQGJHQHUDO
FRPSOH[LW\ LWLVRIWHQLPSRVVLEOHWRHVWLPDWHKRZPXFKPHPRU\ZLOOEHXVHG


7URXEOHVKRRWLQJ
6ROYLQJ0LVFHOODQHRXV3UREOHPV


6ROYLQJ0LVFHOODQHRXV3UREOHPV

,IWKH3ULQWHUGRHVQRW3ULQW
n <RXPD\KDYHDSRZHUSUREOHP,IWKHUHLVQRDFWLYLW\DWDOOIURPWKHSULQWHUDQG
QROLJKWVRQWKHIURQWSDQHOFKHFNWKDWWKHSRZHUFDEOHLVFRQQHFWHGFRUUHFWO\
DQGWKDWWKHUHLVSRZHUDYDLODEOHDWWKHVRFNHW
n ,I\RXDUHXVLQJD0DFLQWRVKDQGWKHSULQWMREGRHVQRWSULQWHQVXUHWKHSULQWHU
ODQJXDJHLVVHWWR3RVWVFULSWRU$XWRPDWLF6HHSDJH&KDQJLQJWKH*UDSKLFV
/DQJXDJH
n <RXPD\KDYHDSUREOHPZLWK\RXUDSSOLFDWLRQGULYHU,V\RXUVRIWZDUH
FRQILJXUHGIRUWKLVSULQWHU")RUJHQHUDODGYLFHVHHWKH6HWXS*XLGH)RUDGYLFH
VSHFLILFWR\RXUVRIWZDUHVHHHLWKHUWKHGRFXPHQWDWLRQVXSSOLHGZLWKWKHGULYHU
RUWKH6RIWZDUH$SSOLFDWLRQ1RWHVVXSSOLHGZLWK\RXUSULQWHU
n ,I\RXKDYHFRQQHFWHG\RXUFRPSXWHUWRWKHSULQWHU¶VSDUDOOHOSRUWDQGWULHGWR
SULQWDELQDU\HQFRGHG3RVW6FULSWILOHLWZLOOQRWSULQW7KHSDUDOOHOSRUWZLOORQO\
DFFHSW$6&,,HQFRGHG3RVW6FULSWSULQWILOHV7KHIURQWSDQHOZLOOGLVSOD\WKH
PHVVDJH³(UURUSURFHVVLQJMRE)OXVKLQJUHVWRIMRE´&RQQHFW\RXUFRPSXWHUWR
WKH-HW'LUHFW3ULQW6HUYHUDQGVHQGWKHSULQWILOHDJDLQ
n 7KHILOHPD\EHWRRODUJHIRUWKHSULQWHU¶VPHPRU\7KLVLVWKHFDVHLIWKHIURQW
SDQHOGLVSOD\V³2XWRIPHPRU\GDWDZDVORVW´/RRNRQ\RXUFRPSXWHUVFUHHQ
IRUDQ\HUURUPHVVDJHVRPHGULYHUVDOORZ\RXWRFKRRVHDGLIIHUHQWSULQWLQJ
PRGHDQGWU\WRVHQGWKHILOHDJDLQ
n ,I\RXFRQWLQXHWRKDYHSUREOHPVVHHSDJH*HWWLQJ+HOS


7URXEOHVKRRWLQJ
6ROYLQJ0LVFHOODQHRXV3UREOHPV

,IWKH3ULQWHU6HHPV7RR6ORZ
n 'LG\RXVSHFLI\%HVWSULQWTXDOLW\OHYHORQWKHIURQWSDQHO"%HVWTXDOLW\SULQWV
DUHSURGXFHGPRUHVORZO\
n 'LG\RXVSHFLI\WKHULJKWPHGLDW\SHZKHQORDGLQJWKHPHGLD")RUGHWDLOVRI
IURQWSDQHOPHGLDW\SHVVHHSDJH3DSHU7\SHV7RILQGRXWWKHSULQWHU¶V
FXUUHQWPHGLDW\SHVHWWLQJVHHSDJH
n $UH\RXXVLQJWKHSULQWHUZLWKWKH$SSOHWDONVHULDOSRUWRQ0DFLQWRVK",WLV
QRUPDOIRUWKH$SSOHWDONSRUWWREHVORZ&RQVLGHUXVLQJWKH(WKHUWDONLQWHUIDFH
WRFRQQHFW\RXUSULQWHUWR\RXU0DFLQWRVK
n 7KHSULQWKHDGPD\QHHGUHSODFLQJ6HHSDJH:KHQ6KRXOG<RX5HSODFHWKH
+31R6XSSOLHV"
n 'LG\RXVSHFLI\D0DQXDO'U\7LPHLQWKHIURQWSDQHO&KDQJHWKHGU\WLPHWR
$XWRPDWLFVHHSDJH'U\LQJ7LPH
n ,IWKHSULQWHULVLQ1RUPDOPRGHDQGWKHILOHLWLVSULQWLQJFRQWDLQVKLJKGHQVLW\
LQNHGDUHDVWKHSULQWHUZLOOQHHGWRVORZGRZQWRFRPSHQVDWH

,IWKH3ULQWHU:DLWV7RR/RQJWR3ULQWD1HVW
n &KDQJHWKH1HVWZDLWVHWWLQJ6HHSDJH


7URXEOHVKRRWLQJ
 *HWWLQJ+HOS

*HWWLQJ+HOS

$ERXW+3&XVWRPHU&DUH
$V\RXUVWUDWHJLFVXSSRUWSDUWQHUZHPDNHLWRXUEXVLQHVVWRKHOSNHHS\RXU
EXVLQHVVUXQQLQJVPRRWKO\+3&XVWRPHU&DUHRIIHUVDZDUGZLQQLQJVXSSRUWWR
HQVXUH\RXJHWWKHPRVWIURP\RXU+3'HVLJQ-HW
+3&XVWRPHU&DUHSURYLGHVFRPSUHKHQVLYHSURYHQVXSSRUWH[SHUWLVHDQG
OHYHUDJHVQHZWHFKQRORJLHVWRJLYHFXVWRPHUVXQLTXHHQGWRHQGVXSSRUW6HUYLFHV
LQFOXGHVHWXSDQGLQVWDOODWLRQWURXEOHVKRRWLQJWRROVZDUUDQW\XSJUDGHVUHSDLUDQG
H[FKDQJHVHUYLFHVSKRQHDQG:HEVXSSRUWVRIWZDUHXSGDWHVDQGVHOIPDLQWHQDQFH
VHUYLFHV7RILQGRXWPRUHDERXW+3&XVWRPHU&DUHSOHDVHYLVLWXVDW
ZZZKSFRPJRVXSSRUW

:KDWWR'R%HIRUH<RX&DOO
 5HYLHZWKHWURXEOHVKRRWLQJVXJJHVWLRQVLQWKLVFKDSWHU
n ,QWKHUHOHYDQWGULYHUGRFXPHQWDWLRQVXSSOLHGZLWKWKLVSULQWHU IRUXVHUVVHQGLQJ
3RVW6FULSWILOHVRUWKRVHXVLQJ0LFURVRIW:LQGRZV 
n ,I\RXKDYHLQVWDOOHGWKLUGSDUW\VRIWZDUHGULYHUVDQG5,3VUHIHUWRWKDWXVHU
GRFXPHQWDWLRQ
n ,QDQ\UHOHYDQW6RIWZDUH$SSOLFDWLRQ1RWHVVXSSOLHGZLWKWKLVSULQWHU
 ,IWKHSUREOHPDSSHDUVWREHUHODWHGWR\RXUVRIWZDUHDSSOLFDWLRQILUVWFRQWDFW\RXU
VRIWZDUHYHQGRU
 ,I\RXVWLOOKDYHGLIILFXOW\UHIHUWRWKH+36XSSRUW6HUYLFHVERRNOHWVKLSSHGZLWK
WKLVSULQWHU7KLVGRFXPHQWFRQWDLQVDFRPSUHKHQVLYHOLVWRIYDULRXVVXSSRUW
VHUYLFHVDYDLODEOHWRKHOSVROYHSULQWHUSUREOHPV
 ,I\RXGRFDOORQHRIWKH+HZOHWW3DFNDUGRIILFHVSOHDVHKDYHWKHIROORZLQJ
LQIRUPDWLRQDYDLODEOHWRKHOSXVDQVZHU\RXUTXHVWLRQVPRUHTXLFNO\
n 7KHSULQWHU\RXDUHXVLQJ WKHSURGXFWQXPEHUDQGWKHVHULDOQXPEHUIRXQGRQ
WKHODEHODWWKHEDFNRIWKHSULQWHU 
n 7KHFRPSXWHU\RXDUHXVLQJ
n $Q\VSHFLDOHTXLSPHQWRUVRIWZDUH\RXDUHXVLQJ IRUH[DPSOHVSRROHUV
QHWZRUNVVZLWFKER[HVPRGHPVRUVSHFLDOVRIWZDUHGULYHUV 
n 7KHFDEOH\RXDUHXVLQJ E\SDUWQXPEHU DQGZKHUH\RXSXUFKDVHGLW
n 7KHW\SHRILQWHUIDFHXVHGRQ\RXUSULQWHU SDUDOOHORUQHWZRUN 


7URXEOHVKRRWLQJ
*HWWLQJ+HOS
n 7KHVRIWZDUHQDPHDQGYHUVLRQ\RXDUHFXUUHQWO\XVLQJ
n ,IWKHSUREOHPLVDV\VWHPHUURULWZLOOKDYHDHUURUQXPEHUUHFRUGWKHHUURU
QXPEHUDQGKDYHLWUHDG\6HHSDJH6\VWHP(UURUV
n ,ISRVVLEOHSULQWRXWWKHIROORZLQJUHSRUWV6HHSDJH3ULQWLQJ,QWHUQDO
3ULQWVDQG)$;WKHPWRWKHVXSSRUWFHQWHUKHOSLQJ\RX
± 8VDJHUHSRUW
± 6HUYLFHSULQW
± &XUUHQW&RQILJXUDWLRQ




)URQW3DQHO0HVVDJHV


0HVVDJH'HVFULSWLRQVDQG$FWLRQV 


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH'HVFULSWLRQVDQG$FWLRQV
7KLVLVDOLVWRIWKHPHVVDJHVLQWKHIURQWSDQHOGLVSOD\,IDQDFWLRQLVQHHGHGLWLV
VKRZQLQWKH'HVFULSWLRQDQG$FWLRQFROXPQ7KHPHVVDJHVDUHOLVWHGLQ
DOSKDEHWLFDORUGHU

0HVVDJH 'HVFULSWLRQ$FWLRQ
$FFHVVLQJ,QNFDUWULGJHV 7KHSULQWHULVFKHFNLQJWKHVWDWXVRIWKHLQNFDUWULGJHV7KHIURQW
SDQHOZLOOSURPSW\RXZLWKIXUWKHULQVWUXFWLRQVDIWHULWKDV
SHUIRUPHGWKLVSURFHGXUH
$FFHVVLQJ3ULQWKHDGV 7KHSULQWHULVPRYLQJWKHSULQWKHDGVWRDQDFFHVVLEOHSRVLWLRQ
$FWLRQXQDYDLODEOH 7KHSULQWHULVEXV\SULQWLQJDQLPDJHLWLVQRWSRVVLEOHWRSHUIRUP
3DJHEHLQJSULQWHG WKHUHTXHVWHGWDVN\RXZLOOKDYHWRZDLWXQWLOLWKDVILQLVKHG
$OLJQLQJSULQWKHDGV 7KHSULQWHULVDOLJQLQJWKHSULQWKHDGV7KHWLPHUHPDLQLQJEHIRUH
$SSUR[LPDWHWLPHUHPDLQLQJ FRPSOHWLRQLVGLVSOD\HG\RXFDQQRWWDNHDQ\IXUWKHUDFWLRQXQWLOWKLV
[[PLQ[[VHF LVFRPSOHWHG
$OLJQLQJUROO 7KHSULQWHULVPRYLQJWKHUROOSDSHUEDFNZDUGDQGIRUZDUGLQRUGHU
WRJHWFRUUHFWDOLJQPHQW
$OLJQPHQWFDQFHOOHG 7KHSULQWKHDGDOLJQPHQWKDVEHHQFDQFHOOHGWKLVFDQKDSSHQ
EHFDXVHHLWKHUWKH&DQFHONH\ZDVSUHVVHGRUWKHUHZDVDQLQWHUQDO
HUURU\RXFDQUHVWDUWWKHDOLJQPHQWXVLQJWKHIURQWSDQHOPHQXV
$OLJQUROOHGJHZLWKZKLWHOLQH)HHG ,QVHUWWKHSDSHUEHWZHHQWKHHQWU\UROOHUDQGWKHKDQGOHVDOLJQWKH
UROOXQWLOSULQWHUEHHSV HGJHRIWKHSDSHUZLWKWKHZKLWHOLQHRQWKHHQWU\UROOHURQWKHULJKW
KDQGVLGH:KHQWKHSDSHUKDVEHHQLQVHUWHGVXIILFLHQWO\\RXZLOO
KHDUDµEHHS¶
$OOLQNFDUWULGJHVVXFFHVVIXOO\ 7KHUHPRYDODQGLQVWDOODWLRQRI\RXULQNFDUWULGJHVKDVEHHQ
LQVWDOOHG DFFHSWHGE\WKHSULQWHU
$OOSULQWKHDG&/($1(56DUH2. 7KHSULQWHUKDVFKHFNHGWKDWWKHSULQWKHDGFOHDQHUVDUHLQVWDOOHG
&ORVHULJKWGRRUWRFRQWLQXH FRUUHFWO\
$OOSULQWKHDGV2.&ORVHFRYHUDQG 7KHSULQWHUKDVJRQH³%((3´DQGWKHSULQWHUKDVDFFHSWHGWKHQHZ
ZLQGRZWRFRQWLQXH RUUHVHDWHGSULQWKHDGV
$OUHDG\RQ7RS 7KHIURQWSDQHOLVDOUHDG\VKRZLQJWKH³7RS´PHQXVFUHHQ
&DOLEUDWLQJ 7KHSULQWHULVSHUIRUPLQJWKH$FFXUDF\FDOLEUDWLRQVHHSDJH
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\
&DQFHOOLQJ <RXKDYHVHOHFWHG&DQFHOIURPWKHIURQWSDQHO7KHSULQWHULVLQWKH
SURFHVVRIFDQFHOOLQJWKHFXUUHQWSULQWILOH,IWKHMREWKDW\RXKDYH
FDQFHOOHGLVODUJH\RXPD\KDYHWRZDLWDZKLOH


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
&KHFNLQNFDUWULGJHV 7KHSULQWHUKDVGHWHFWHGPLVVLQJLQNFDUWULGJHVRUWKHUHLVDQ
LQVWDOODWLRQSUREOHPZLWKRQHRUPRUHRIWKHLQNFDUWULGJHV6HOHFW
WKH³,QNV\VWHPRSWLRQV,QNFDUWULGJHLQIR´PHQXRQWKHIURQWSDQHO
WRGHWHUPLQHWKHTXDQWLW\RILQNUHPDLQLQJLQWKHFDUWULGJH,I
QHFHVVDU\UHSODFHDQHPSW\LQNFDUWULGJH
&KHFNSULQWKHDGV 7KHSULQWHUKDVGHWHFWHGPLVVLQJSULQWKHDGRUWKHUHLVDQLQVWDOODWLRQ
SUREOHPZLWKRQHRUPRUHRIWKHSULQWKHDGV6HOHFWWKH³,QNV\VWHP
RSWLRQVSULQWKHDGLQIR´PHQXRQWKHIURQWSDQHOWRGHWHUPLQHWKH
SULQWKHDGSUREOHP,IQHFHVVDU\UHSODFHWKHLQGLFDWHGSULQWKHDG
&KHFNSULQWKHDG&/($1(56 7KHSULQWHUKDVGHWHFWHGPLVVLQJSULQWKHDGFOHDQHURUWKHUHLVDQ
LQVWDOODWLRQSUREOHPZLWKRQHRUPRUHRIWKHSULQWKHDGFOHDQHUV,I
QHFHVVDU\UHSODFHWKHLQGLFDWHGSULQWKHDGFOHDQHU
&KHFNLQJSULQWKHDG&/($1(56 7KHSULQWHULVFKHFNLQJWKHSULQWKHDGFOHDQHUV
&KHFNLQJSDSHU 7KHSULQWHULVLQWKHSURFHVVRIFKHFNLQJWKHDOLJQPHQWRIWKHSDSHU
&ORVHULJKWGRRUWRFRQWLQXH 7KHSULQWHUKDVVHQVHGWKDWWKHULJKWGRRURQWKHLQNVHUYLFHVWDWLRQLV
RSHQDWDQLQFRUUHFWWLPH&KHFNWKHULJKWGRRURQWKHLQNVHUYLFH
VWDWLRQ,ILWLVQRWVHFXUHGPDNHVXUHWKDWLWLVFRUUHFWO\VKXW
&ORVHGRRUZKHQGRQH 7KHSULQWHULVLQIRUPLQJ\RXWKDWEHIRUHLWFDQFRQWLQXHZLWKWKHQH[W
WDVN\RXPXVWFORVHWKHGRRURQWKHULJKWRIWKHSULQWHU
&ORVHULJKWGRRUZKHQILQLVKHGZLWK 7KHSULQWHULVLQIRUPLQJ\RXWKDW\RXPXVWFORVHWKHSULQWKHDG
SULQWKHDG&/($1(56 VHUYLFHVWDWLRQGRRUZKHQ\RXKDYHILQLVKHGUHSODFLQJWKHSULQWKHDG
FOHDQHUV
&RQWDFW+3UHSUHVHQWDWLYH 7KHUHLVDV\VWHPHUURUDQG\RXQHHGWRVZLWFKWKHSULQWHURIIDQG
FDOO\RXU+3VXSSRUWVHHSDJH*HWWLQJ+HOS
&RYHUQRWSURSHUO\FORVHG3OHDVH &KHFNWKHFRYHURQWKHSULQWKHDGFDUULDJH,WLVQRWFRUUHFWO\
FORVHFRYHU VHFXUHG0DNHVXUHWKDWWKHEOXHODWFKRQWRSRIWKHSULQWKHDG
FDUULDJHLVFRUUHFWO\FORVHG
(GJHQRWIRXQG 7KHSULQWHUKDVQRWVHQVHGWKHSDSHUHGJHVRWKHORDGKDVIDLOHG
5HORDGSDSHU 6WDUWWKHORDGSURFHGXUHDJDLQ
(GJHQRWIRXQG 7KHSULQWHUKDVQRWVHQVHGWKHSDSHUHGJHDQGLWFDQQRWUHORDGLWDW
8QORDGSDSHU WKDWPRPHQW8QORDGWKHSDSHUPDQXDOO\
(QGRISDSHUQRWGHWHFWHG 7KHSULQWHUKDVWULHGWRHMHFWWKHSDSHURXWRIWKHSDSHUSDWKDQGLV
5HPRYHSDSHU XQDEOHWRGRVR
7KHSDSHUQHHGVWREHPDQXDOO\UHPRYHG
)DLOHG 7KHUHLVDSUREOHPZLWK\RXUSULQWKHDGRULQNFDUWULGJHVHHSDJH
3ULQWKHDG6WDWXV0HVVDJHVRU,QN&DUWULGJH6WDWXV0HVVDJHV
(UURUSURFHVVLQJDMRE 7KHUHKDVEHHQDQHUURUZKLOHSURFHVVLQJD3RVW6FULSWMREDQG
)OXVKLQJUHVWRIMRE WKHUHIRUHWKHUHVWRIWKHMREZLOOEHLJQRUHG


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
)DXOW\ 7KHUHLVDSUREOHPZLWKWKHSULQWKHDGRULQNFDUWULGJHWKDW\RXDUH
WU\LQJWRLQVWDOO6HHSDJHIRUPRUHGHWDLOV
)XOOLQNFDUWULGJHVQHHGHG 7RSHUIRUPWKHSULPLQJSURFHGXUHFRUUHFWO\\RXQHHGIXOOLQN
FDUWULGJHVUHSODFHWKHLQNFDUWULGJHVZLWKQHZRQHV
+DYHLQNWXEHUHSODFHGRUULVN ,QNWXEHV\VWHPKDVUHDFKHGLWVGHVLJQOLIH<RXQHHGWRKDYHWKHP
SULQWHUGDPDJH&RQWDFW+3 UHSODFHGDVVRRQDVSRVVLEOHRUULVNHGDQXQH[SHFWHGSULQWHU
VWRSSDJH
+3LVQRWUHVSRQVLEOHIRUGDPDJH 7KHIURQWSDQHOLVZDUQLQJ\RXWKDWLWLVYLWDOWRLQVWDOOQHZSULQWKHDG
IURPXVHRI86('&/($1(56 FOHDQHUVZKHQFKDQJLQJWKHSULQWKHDGVVHHSDJH3ULQWKHDG
6HOHFW<(6WRUHSODFH &OHDQHU5HPRYDOIRUGHWDLOVRQKRZWRFKDQJHWKHP
+3LVQRWUHVSRQVLEOHIRUGDPDJH 7RHQVXUHWKDW\RXDOZD\VJHWH[FHOOHQWLPDJHTXDOLW\IURP\RX
IURPXVHRIQRQ+33ULQWKHDGV SULQWHULWLVLPSRUWDQWWKDW\RXXVHJHQXLQH+HZOHWW3DFNDUG
6HOHFW<(6WRUHSODFH FRPSRQHQWV
+3LVQRWUHVSRQVLEOHIRUGDPDJH 7RHQVXUHWKDW\RXDOZD\VJHWH[FHOOHQWLPDJHTXDOLW\IURP\RX
IURPXVHRIQRQ+3LQN SULQWHULWLVLPSRUWDQWWKDW\RXXVHJHQXLQH+HZOHWW3DFNDUG
6HOHFW<(6WRUHSODFH FRPSRQHQWV
+31R,QNFDUWULGJHV 7KHLQNFDUWULGJHVKDYHEHHQDFFHSWHGE\WKHSULQWHU
VXFFHVVIXOO\LQVWDOOHG
,QLWLDOL]LQJSULQWHUSOHDVHZDLW 7KHSULQWHULVEHLQJLQLWLDOL]HGDQG\RXFDQQRWWDNHDQ\IXUWKHU
DFWLRQXQWLOWKLVLVFRPSOHWHG
,QNFDUWULGJHUHSODFHPHQWQRW ,IWKHSULQWHULVEXV\WU\LQJWRSULQWVRPHWKLQJ\RXZLOOQRWEHDEOH
DYDLODEOHQRZ WRUHSODFHDQ\RIWKH+3PRGXODULQNV\VWHP
&DQFHOSULQWMREVEHIRUH
,QNGU\LQJSOHDVHZDLW 7KHSULQWHULVSDXVLQJVRWKDWWKHLQNZLOOGU\7KHDPRXQWRIWLPH
[[PLQ[[VHF OHIWWRGU\LVDOVRGLVSOD\HGRQWKHIURQWSDQHO
127(<RXFDQLQWHUUXSWWKHGU\LQJWLPHIURPWKHIURQWSDQHOE\
SUHVVLQJWKH(17(5NH\RUZDLWXQWLOLWKDVILQLVKHG
,QNOHYHOVDUH2. 7KHLQNOHYHOVLQ\RXUSULQWHUDUHORZRUYHU\ORZWKLVPD\QRWEHD
3UHVV(17(5 DFFHSW SUREOHPVLQFHWKHSULQWHUFDQVWLOOSULQW)RUPRUHGHWDLOHG
LQIRUPDWLRQVHHSDJH:KHQ6KRXOG<RX5HSODFHWKH+31R
6XSSOLHV"
,QNWXEHPDLQWHQDQFHDGYLVHG ,QNWXEHV\VWHPLVDSSURDFKLQJLWVGHVLJQOLIHDQGZLOOQHHGWREH
UHSODFHGVRRQ<RXPXVWFRQWDFW+3WRJHWWKHPVHUYLFHG
,QNWXEHPDLQWHQDQFHUHTXLUHGQRZ ,QNWXEHV\VWHPKDVUHDFKHGLWVGHVLJQOLIH<RXQHHGWRKDYHWKHP
UHSODFHGDVVRRQDVSRVVLEOHRUULVNHGDQXQH[SHFWHGSULQWHU
VWRSSDJH


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
,QVHUWFOHDQHU 7KHSULQWHULVSURPSWLQJ\RXWRLQVHUWDQHZSULQWKHDGFOHDQHULQWR
WKHSULQWKHDGVHUYLFHVWDWLRQZKLFKLVORFDWHGRQWKHULJKWKDQGVLGH
RIWKHSULQWHU
,QVHUW,QNFDUWULGJH 7KHSULQWHULVSURPSWLQJ\RXWRLQVHUWDQLQNFDUWULGJHLQWRWKHVORWV
RQWKHOHIWVLGHRIWKHSULQWHU
,QVHUW,QNFDUWULGJHV 7KHSULQWHULVDERXWWRSHUIRUPWKHSULPLQJSURFHGXUHLWPXVWKDYH
IXOOLQNFDUWULGJHVLQRUGHUWRSULPHWKHSULQWHUFRUUHFWO\
,QVHUWSULQWKHDG 7KHSULQWHULVSURPSWLQJ\RXWRLQVHUWDQHZSULQWKHDGLQWRWKH
SULQWKHDGFDUULDJH
/LIWZLQGRZWRDFFHVVSULQWKHDGV <RXKDYHVHOHFWHGDSULQWKHDGUHSODFHPHQWDQGWKHIURQWSDQHOLV
JRLQJWRJXLGH\RXWKURXJKWKHSURFHGXUH
/LIWZLQGRZWRORDGSULQWHGVKHHW 7KHSULQWHULVDERXWWRUHDGDQDFFXUDF\FDOLEUDWLRQSDWWHUQ\RX
VKRXOGQRZOLIWWKHZLQGRZWRORDGWKHVKHHWZLWKWKHSDWWHUQ:KHQ
\RXKDYHGRQHWKLVWKHSULQWHUZLOOJXLGH\RXIXUWKHU
/LIWZLQGRZWRUHSODFH6(783 7KHSULQWHULVSHUIRUPLQJWKHSULPLQJSURFHGXUHDQGLVSURPSWLQJ
SULQWKHDGV \RXWROLIWXSWKHZLQGRZ6HH\RXU6HWXSJXLGHZKLFKFDPHZLWK
\RXUSULQWHU
/RDGFDQFHOOHG 3DSHUORDGKDVEHHQFDQFHOOHGDQGWKHSDSHUQHHGVWREHUHPRYHG
5HPRYHSDSHU IURPWKHSULQWHUEHIRUHVWDUWLQJWRORDGQHZSDSHU
/RDGSDSHUWRDOLJQSULQWKHDGV <RXKDYHLQLWLDWHGDSULQWKHDGDOLJQPHQWKRZHYHU\RXPXVWKDYH
SDSHUORDGHGLQWKHSULQWHU'RQRWORDGWUDFLQJSDSHURUILOPIRUWKH
DOLJQPHQWSURFHGXUHKRZHYHU
/RDGSDSHUIRUFXUUHQWMRE <RXKDYHVHQWDMREWRWKHSULQWHUEXWWKHUHLVQRSDSHUORDGHG\RX
QHHGWRORDGSDSHUEHIRUH\RXFDQSURFHHGVHHSDJH/RDGLQJ
5ROO3DSHU
/RDGLQJUROO 7KHSULQWHULVLQWKHSURFHVVRIORDGLQJDUROORISDSHU
/RDGLQJVKHHW 7KHSULQWHULVLQWKHSURFHVVRIORDGLQJDVKHHWRISDSHU
/RDGUROOIRUFXUUHQWMRE <RXKDYHVHQWDMREWRWKHSULQWHUWKDWZLOOEHSULQWHGRQDUROOEXW
WKHUHLVQRUROOSDSHUORDGHG\RXQHHGWRORDGWKHUROOSDSHUEHIRUH
\RXFDQSURFHHGVHHSDJH/RDGLQJ5ROO3DSHU
/RDGVKHHWIRUFXUUHQWMRE <RXKDYHVHQWDMREWRWKHSULQWHUWKDWZLOOEHSULQWHGRQDVKHHWEXW
WKHUHLVQRVKHHWORDGHG\RXQHHGWRORDGVKHHWSDSHUEHIRUH\RXFDQ
SURFHHGVHHSDJH6KHHW3DSHU
/RZHUKDQGOHVWRFRQWLQXH 7KHSULQWHUKDVVHQVHGWKDWWKHKDQGOHVRQWKHUROOSDSHUHQWU\VORW
DUHXSDWDQLQFRUUHFWWLPH<RXPXVWORZHUWKHKDQGOHVWRFRQWLQXH
/RZHUZLQGRZWRFRQWLQXH 7KHSULQWHUKDVVHQVHGWKDWWKHZLQGRZFRYHULQJWKHVKHHWHQWU\
SODWHQLVRSHQDWDQLQFRUUHFWWLPH<RXPXVWFORVHWKHZLQGRZWR
FRQWLQXH


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
0HDVXULQJ 7KHSULQWHULVSHUIRUPLQJWKHDFFXUDF\FDOLEUDWLRQSULQWVHHSDJH
5HFDOLEUDWLQJWKH3ULQWHUIRU$FFXUDF\
0RQLWRU 7KLVLVD+31RVXSSOLHVVWDWXVPHVVDJH,WUHIHUVWRWKHVWDWXVRI
WKHSULQWKHDG6HHSDJH3ULQWKHDG6WDWXV0HVVDJHV
2. 7KLVLVD+31RVXSSOLHVVWDWXVPHVVDJH,WUHIHUVWRWKHVWDWXVRI
WKHSULQWKHDG6HHSDJH3ULQWKHDG6WDWXV0HVVDJHV
2SHQULJKWGRRUWRDFFHVVSULQWKHDG <RXKDYHUHTXHVWHGDSULQWKHDGUHSODFHPHQWDQGWKHIURQWSDQHOLV
&/($1(56 JRLQJWRJXLGH\RXWKURXJKWKHSURFHGXUH<RXQRZQHHGWRRSHQWKH
SULQWKHDGVHUYLFHVWDWLRQGRRUORFDWHGRQWKHULJKWVLGHRIWKHSULQWHU
2SHQULJKWGRRUWRLQVHUWSULQWKHDG <RXKDYHUHTXHVWHGDSULQWKHDGUHSODFHPHQWDQGWKHIURQWSDQHOLV
&/($1(56 JRLQJWRJXLGH\RXWKURXJKWKHSURFHGXUH<RXQRZQHHGWRRSHQWKH
SULQWKHDGVHUYLFHVWDWLRQGRRUORFDWHGRQWKHULJKWVLGHRIWKHSULQWHU
2XWRIGLVNVSDFHGDWDZDVORVW 7KHSULQWHUUDQRXWRIGLVNVSDFHZKLOHSURFHVVLQJDSULQWMREEXW
ZLOOFRQWLQXHWRSULQWZKDWUHPDLQVLQPHPRU\
2XWRIPHPRU\ 7KHSULQWHUUDQRXWRIPHPRU\ZKLOHSURFHVVLQJDSULQWMREEXWZLOO
'DWDZDVORVW FRQWLQXHWRSULQWZKDWUHPDLQVLQPHPRU\
3DSHUWRRVPDOO /RDGHGSDSHULVWRRVPDOOIRUSULQWLQJWKHLQFRPLQJSULQWMRE7KH
SULQWMREZLOOEHFOLSSHGWRILWRQWKHSDSHU
3DSHUORDGHGLQFRUUHFWO\ 7KHSDSHUORDGKDVIDLOHGWKHSDSHUQHHGVWREHUHPRYHGEHIRUH
5HPRYHSDSHU SDSHUFDQEHORDGHGDJDLQ
3ODFLQJSULQWDEOHVLGHXSDOLJQ 7KHVKHHWSDSHUQHHGVWREHSODFHGRQWKHVKHHWHQWU\SODWHQ
VKHHWWREOXHOLQHV/RZHUZLQGRZ SULQWDEOHVLGHXSZDUGVDQGDOLJQHGZLWKWKHEOXHGDVKHGOLQHRQWKH
WRFRQWLQXH VKHHWHQWU\SODWHQDLUVXFWLRQZLOOKROGWKHVKHHWSDSHULQSODFHXQWLO
WKHZLQGRZLVFORVHG
3RVW6FULSWUHVRXUFHDUHDLVIXOO 7KHSULQWMREKDVWULHGWRFUHDWHDUHVRXUFHLQWKHUHVRXUFHDUHDRIWKH
XQDEOHWRVDYHWRUHVRXUFH KDUGGLVNDQGWKHUHKDVQRWEHHQHQRXJKVSDFHIRULW
3UHVV(17(5IRULQNV\VWHPPHQX <RXDUHXVLQJWKH↑DQG↓NH\VRQWKHIURQWSDQHOWRVFUROOWKURXJK
WKHIRXUSULQWHUPHQXVVHHSDJH(QWHULQJWKH3ULQWHU6HWXS
0HQX6\VWHP
3UHVV(17(5IRUUROOPHQX <RXDUHXVLQJWKH↑DQG↓NH\VRQWKHIURQWSDQHOWRVFUROOWKURXJK
WKHIRXUSULQWHUPHQXVVHHSDJH(QWHULQJWKH3ULQWHU6HWXS
0HQX6\VWHP
3UHVV(17(5IRUVKHHWPHQX <RXDUHXVLQJWKH↑DQG↓NH\VRQWKHIURQWSDQHOWRVFUROOWKURXJK
WKHIRXUSULQWHUPHQXVVHHSDJH(QWHULQJWKH3ULQWHU6HWXS
0HQX6\VWHP
3UHVV(17(5IRUSULQWHUVHWXS <RXDUHXVLQJWKH↑DQG↓NH\VRQWKHIURQWSDQHOWRVFUROOWKURXJK
PHQX WKHIRXUSULQWHUPHQXVVHHSDJH(QWHULQJWKH3ULQWHU6HWXS
0HQX6\VWHP


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
3UHVV(17(5WRFRQWLQXH 7KHSULQWHUKDVLQIRUPHG\RXDQGQHHGV\RXWRSUHVVWKHHQWHUNH\
RQWKHIURQWSDQHOEHIRUHLWFDQFRQWLQXH
3UHVV(17(5WRILQLVKGU\LQJ 3UHVVLQJWKH(17(5NH\ZLOOFDQFHOWKHGU\LQJWLPHFRXQWGRZQ
3ULQWHUPDLQWHQDQFHDGYLVHG 7KLVPHDQVWKDW\RXUXVHRIWKHSULQWHUKDVH[FHHGHGWKHQRUPDO
SULQWHUXVHDQG\RXVKRXOGFRQWDFW\RXUORFDO+3GHDOHURU+3
VHUYLFHHQJLQHHU$UUDQJHDWLPHZKLFKZRXOGEHFRQYHQLHQWIRU
\RXDQGKHZLOOVHUYLFHWKHSULQWHUVHHSDJH1RUPDO3ULQWHU
8VH
3ULQWHUVWDUWXSKDVILQLVKHG 7KHSULQWHUKDVILQLVKHGWKHSULPLQJSURFHGXUHDQGLVQRZUHDG\
3ULQWHUWHPSHUDWXUHLVRXWRIWKH 8QGHUFROGHQYLURQPHQWDOFRQGLWLRQVRXWVLGHLWVRSHUDWLQJUDQJH
SULQWHU¶VRSHUDWLQJUDQJH3ULQWHU WKHSULQWHUZLOOVWRS,WGRHVWKLVWRSURWHFWWKHLQNV\VWHPVLQVLGH
FDQQRWIXQFWLRQ WKHSULQWHU6LPSO\HQVXUHWKHWHPSHUDWXUHLVDERYH°&DQG
WXUQWKHSULQWHURIIDQGRQDJDLQ
3ULQWLQJ 7KHSULQWHULVLQWKHSURFHVVRISULQWLQJDSULQWILOH
3ULQWLQJ 7KHSULQWHUSUHYLRXVO\FRPSUHVVHGDSULQWILOHZKLOHLWZDVUHFHLYLQJ
/RZ0HPRU\ DQGLWLVQRZH[SDQGLQJWKHILOH3ULQWLQJZLOOFRQWLQXHDIWHU
H[SDQGLQJWKHGDWDEXWLWZLOOEHVORZHUWKDQXVXDO
3ULQWLQJ 7KHSULQWHUKDVGHWHFWHGWKDWRQHRUPRUHRIWKHSULQWKHDGVLVQHDULQJ
0RQLWRUTXDOLW\ WKHHQGRILWVXVHIXOGHVLJQOLIH3ULQWLQJZLOOFRQWLQXHEXW\RXPD\
QRWLFHVRPHGHJUDGDWLRQLQWKHTXDOLW\RI\RXSULQWLQJ5HSODFHWKH
SULQWKHDGVLIWKHLPDJHTXDOLW\LVQRWDFFHSWDEOHVHHSDJH:KHQ
6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"
3ULQWLQJ 7KHSULQWHUKDVGHWHFWHGWKDWWKHSULQWKHDGVDUHOLPLWLQJHLWKHUWKH
3ULQWKHDGVOLPLWLQJSHUIRUPDQFH SULQWTXDOLW\RUWKURXJKSXWSHUIRUPDQFH3ULQWLQJZLOOFRQWLQXHEXW
\RXPD\QRWLFHVRPHGHJUDGDWLRQLQWKHTXDOLW\RI\RXSULQWLQJDQG
WKDWWKHWLPHWDNHQIRUHDFKSULQWZLOOLQFUHDVH5HSODFHWKH
SULQWKHDGVLIWKHLPDJHTXDOLW\LVQRWDFFHSWDEOHVHHSDJH:KHQ
6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"
3ULQWKHDGUHSODFHPHQWQRW ,IWKHSULQWHULVEXV\WU\LQJWRSULQWVRPHWKLQJ\RXZLOOQRWEHDEOH
DYDLODEOHQRZ WRUHSODFHDQ\RIWKH+3PRGXODULQNV\VWHP
&DQFHOSULQWMREVEHIRUH
3URFHVVLQJ 7KHSULQWHUKDVUHFHLYHGDSULQWILOHDQGLVSURFHVVLQJWKH
LQIRUPDWLRQEHIRUHFRPPHQFLQJSULQWLQJ
5HDG\IRUSDSHU 7KHSULQWHULVUHDG\WRDFFHSWSDSHU
5HDG\5HSODFH 7KLVLVD+31RVXSSOLHVVWDWXVPHVVDJH,WUHIHUVWRWKHVWDWXVRI
WKHSULQWKHDG6HHSDJH3ULQWKHDG6WDWXV0HVVDJHV
5HFHLYLQJ 7KHSULQWHULVUHFHLYLQJDSULQWILOH


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
5HFHLYLQJ :KLOHUHFHLYLQJDSULQWILOHWKHSULQWHU¶VPHPRU\KDVEHFRPHORZ
/RZPHPRU\ 7KHSULQWHUZLOOFRPSUHVVWKHILOHZKLOHLWFRQWLQXHVWRUHFHLYHWKH
GDWD
5HILQLQJUROODOLJQPHQW $IWHUDFFHSWLQJDUROOORDGDQGEHIRUHFXWWLQJWKHUROOOHDGLQJHGJH
WKHSULQWHUDGYDQFHVDQDPRXQWRISDSHUDQGPRYHVLWEDFNWR
LPSURYHUROOSDSHUDOLJQPHQW
5HFRYHULQJF\DQPDJHQWD\HOORZ <RXKDYHVHOHFWHGUHFRYHUWKHF\DQSULQWKHDGEHFDXVHRIVRPH
EODFNSULQWKHDG LPDJHTXDOLW\SUREOHPVWKDW\RXKDYHGHWHFWHG:DLWZKLOHWKH
SULQWHUSHUIRUPVWKHSURFHGXUH<RXDOVRKDYHWKHRSWLRQRI
UHFRYHULQJWKHRWKHUSULQWKHDGVLQGLYLGXDOO\RUDOOWRJHWKHU
5HPRYHLQNFDUWULGJHVE\SXVKLQJ 7KHSULQWHULVJXLGLQJ\RXWKURXJKWKHLQNFDUWULGJHUHSODFHPHQW
LWLQDQGXS SURFHGXUHIRUPRUHGHWDLOHGLQIRUPDWLRQVHHSDJH,QN
&DUWULGJH5HPRYDO
5HPRYHSULQWKHDG 7KHSULQWHULVDWWKHVWDJHLQWKHSULQWKHDGUHSODFHPHQWSURFHGXUH
ZKHQLWLVUHDG\IRU\RXWRUHPRYHWKHSULQWKHDGVVHHSDJH
3ULQWKHDG5HPRYDOIRUPRUHGHWDLOHGLQIRUPDWLRQ
5HFRYHULQJSULQWKHDGV <RXKDYHVHOHFWHGUHFRYHUDOOSULQWKHDGVEHFDXVHRIVRPHLPDJH
TXDOLW\SUREOHPVWKDW\RXKDYHGHWHFWHG:DLWZKLOHWKHSULQWHU
SHUIRUPVWKHSURFHGXUH<RXDOVRKDYHWKHRSWLRQRIUHFRYHULQJWKH
RWKHUSULQWKHDGVLQGLYLGXDOO\RUDOOWRJHWKHU
5HSODFH&/($1(56RUULVN ,WLVLPSRUWDQWWKDWZKHQ\RXUHSODFHWKHSULQWKHDG\RXDOVRUHSODFH
SULQWKHDGGDPDJH WKHSULQWKHDGFOHDQHUV,IWKLVQRWGRQH\RXZLOOVKRUWHQWKHOLIHRI
6HOHFW<(6WRUHSODFH \RXUQHZSULQWKHDGDQG\RXFRXOGHYHQGDPDJHWKHSULQWHU)RU
SULQWKHDGFOHDQHUUHSODFHPHQWVHHSDJH3ULQWKHDG&OHDQHU
5HPRYDO
5HSODFHFOHDQHU 7KHSULQWHULVJXLGLQJ\RXWKURXJKWKHUHPRYDORIWKHSULQWKHDG
FOHDQHUDQGLWLVQRZUHDG\IRU\RXWRUHPRYHWKHSULQWKHDGFOHDQHUV
5HSODFHLQNFDUWULGJH 7KHSULQWHULVSURPSWLQJ\RXWRUHSODFHWKHLQNFDUWULGJHORFDWHGRQ
WKHOHIWVLGHRIWKHSULQWHU)RUPRUHGHWDLOHGLQIRUPDWLRQVHHSDJH
,QN&DUWULGJH5HPRYDO
5HSODFH LQVHUW IDLOLQJ PLVVLQJ  $SULQWMREKDVEHHQVHQWWRWKHSULQWHUWKDWWKHSULQWHUFDQQRWSULQW
SULQWKHDGV 6RPHRIWKHSULQWKHDGVDUHHLWKHUPLVVLQJRUIDXOW\DQGQHHGWREH
UHSODFHG
5HSODFHSULQWKHDG 7KHSULQWHULVLQIRUPLQJ\RXWKDWWKHUHLVDSULQWKHDGWKDWQHHGV
UHSODFHPHQW<RXUGHFLVLRQWRFKDQJHWKHSULQWKHDGZLOOGHSHQGRQ
ZKDW\RXDUHSULQWLQJDQGZKDWSULQWTXDOLW\\RXKDYHVHOHFWHG6HH
SDJH:KHQ6KRXOG<RX5HSODFHWKH+31R6XSSOLHV"IRU
PRUHGHWDLOV


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
5HSODFH6(783SULQWKHDGVZLWK 7KHSULQWHULVSURPSWLQJ\RXWRUHPRYHWKHVHWXSSULQWKHDGVVRWKDW
QHZSULQWKHDGV \RXFDQFRQWLQXHZLWKWKHVHWXSSURFHGXUH6HWXSSULQWKHDGVDUH
WHPSRUDU\³GXPP\´SULQWKHDGV\RXFDQQRWSULQWZLWKWKHPDQG
WKH\PXVWEHUHPRYHGZKHQ\RXKDYHSULPHGWKHSULQWHU6HHWKH
6HWXSJXLGHIRUWKHIXOOSURFHGXUH
5HVHDW 7KLVLVD+31RVXSSOLHVVWDWXVPHVVDJH,WUHIHUVWRWKHVWDWXVRI
WKHSULQWKHDG6HHSDJH3ULQWKHDG6WDWXV0HVVDJHV
5ROOPLVDOLJQHG 7KHSULQWHUKDVVHQVHGWKDWWKHSDSHUKDVQRWEHHQORDGHGFRUUHFWO\
5HORDGUROO 7KHUROORISDSHUZLOOEHHMHFWHG5HDOLJQWKHUROOZLWKWKHZKLWH
GDVKHGOLQHVRQWKHUROOSDSHUHQWU\SDWK
5ROOPLVSRVLWLRQHG 7KHUROORISDSHULVQRWDOLJQHGZLWKWKHZKLWHOLQH7KHUHDUHWZR
&KHFNZKLWHOLQH SRVVLEOHFDXVHV(LWKHUWKHUROOHGJHLVQRWDOLJQHGFRUUHFWO\RUWKH
&KHFNVSLQGOH UROOVSLQGOHKDVQRWEHHQSURSHUO\LQVHUWHG
5HORDGUROO 5HORDGWKHUROORISDSHU
5ROOPLVSRVLWLRQHG 7KHUROORISDSHULVQRWDOLJQHGZLWKWKHZKLWHOLQHRQWKH(QWU\
8QORDGUROO 5ROOHUDQGWKHSULQWHUFDQQRWUHORDGWKHUROOSDSHUDWWKDWPRPHQW
/RDGWKHUROORISDSHU
5ROOUHMHFWHGXQORDGUROO 7KHKDQGOHVKDYHEHHQOLIWHGZKHQUROOSDSHUZDVORDGHGWKDWLVDQ
/RZHUKDQGOHVWRFRQWLQXH LQYDOLGDFWLRQWKDWFDXVHVWKHUROOSDSHUWREHUHMHFWHG<RXQHHGWR
ORZHUWKHKDQGOHVEHIRUH\RXORDGQHZUROOSDSHU
6HDUFKLQJUROOHGJH 7KHSULQWHULVVHDUFKLQJIRUWKHVWDUWRIWKHSDSHU
6KHHWPLVDOLJQHG 7KHSULQWHUKDVVHQVHGWKDWWKHSDSHUKDVQRWORDGHGFRUUHFWO\7KH
5HORDGVKHHW VKHHWSDSHUZLOOHMHFWHG5HDOLJQWKHVKHHWZLWKWKHYHUWLFDODQG
KRUL]RQWDOEOXHGDVKHGOLQHVRQWKHVKHHWHQWU\SODWHQ
$OLJQZLWKEOXHOLQHV
6KHHWPLVSRVLWLRQHG 7KHVKHHWORDGKDVIDLOHG7KHVKHHWRISDSHULVQRWDOLJQHGZLWKWKH
5HORDGVKHHW YHUWLFDODQGKRUL]RQWDOEOXHGDVKHGOLQHVRQWKHVKHHWHQWU\SODWHQ
$OLJQZLWKKRUL]RQWDODQGYHUWLFDO 5HORDGWKHVKHHW
EOXHOLQHV
6KHHWUHMHFWHGXQORDGVKHHW 7KHKDQGOHVKDYHEHHQOLIWHGZKHQDVLQJOHVKHHWZDVORDGHGWKDWLV
/RZHUKDQGOHVWRFRQWLQXH DQLQYDOLGDFWLRQWKDWFDXVHVWKHVLQJOHVKHHWWREHUHMHFWHG<RXQHHG
WRUHPRYHWKHVKHHWPDQXDOO\DQGWKHQORZHUWKHKDQGOHV
6WRULQJ3ULQWKHDGV 7KHSULQWHULVPRYLQJWKHSULQWKHDGVWRWKHGHIDXOWSRVLWLRQ
6ZLWFKSRZHURII $IDWDOHUURUKDVRFFXUUHG,WLVFOHDUHGE\WXUQLQJWKHSULQWHUSRZHU
2IIDQGWKHQ2QDJDLQDWWKHIURQWSDQHOSXVKEXWWRQ


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
6ZLWFKSRZHURII 7KHSULQWHUKDVGHWHFWHGDMDPLQWKHLQNVHUYLFHVWDWLRQ6ZLWFKWKH
&KHFNSULQWKHDGFOHDQHUSDWK SRZHURIDQGFKHFNWKDWDOOSULQWKHDGFOHDQHUVDUHLQVWDOOHGFRUUHFWO\
127(7KHIURQWSDQHOZLOOQRWGLVSOD\DQ\PHVVDJHVZKLOHWKH
SULQWHULVVZLWFKHGRII
6ZLWFKSRZHURII 3DSHUKDVMDPPHGLQWKHSDSHUSDWK6ZLWFKWKHSULQWHURIIDQGFOHDU
&KHFNSDSHUSDWK WKHSDSHUSDWK
127(7KHIURQWSDQHOZLOOQRWGLVSOD\DQ\PHVVDJHVZKLOHWKH
SULQWHULVVZLWFKHGRII
6ZLWFKSRZHURII 7KHSDWKRIWKHSULQWKHDGLVEORFNHG6ZLWFKWKHSULQWHURIIDQGFOHDU
&KHFNSULQWKHDGSDWK WKHEORFNDJH
127(7KHIURQWSDQHOZLOOQRWGLVSOD\DQ\PHVVDJHVZKLOHWKH
SULQWHULVVZLWFKHGRII
6ZLWFKSRZHURII 7KHSDWKRIWKHSULQWKHDGLVEORFNHG7KHPRVWOLNHO\UHDVRQLVWKDW
&KHFNSULQWKHDGFRYHU WKHSULQWKHDGFRYHUEOXHODWFKLVQRWVDIHO\FORVHG6ZLWFKWKHSULQWHU
RIIDQGFORVHLW
127(7KHIURQWSDQHOZLOOQRWGLVSOD\DQ\PHVVDJHVZKLOHWKH
SULQWHULVVZLWFKHGRII
6ZLWFKSRZHURII <RXKDYHUHPRYHGWKHLQNFDUWULGJHVDWDQLQFRUUHFWPRPHQWUHSODFH
5HVWDUWSULQWHUVWDUWXSZLWKDOO,QN WKHLQNFDUWULGJHVDQGWXUQWKHSULQWHURIIDQGRQ
FDUWULGJHV
6ZLWFKSRZHURIIDQGSXWDWOHDVW 7KHUHLVQRWHQRXJK5$0PHPRU\LQWKHSULQWHUWRPDQDJHWKHKDUG
0%RI5$0IRUWKHKDUGGLVN GLVNGULYH7KHSULQWHUQHHGVDWOHDVW0%RI5$0WRRSHUDWH7R
LQFUHDVHWKHPHPRU\RIWKHSULQWHUDPHPRU\PRGXOHFDQEHILWWHGDW
WKHUHDURIWKHSULQWHULQWKHPHPRU\SRUW
127(7KHIURQWSDQHOZLOOQRWGLVSOD\DQ\PHVVDJHVZKLOHWKH
SULQWHULVVZLWFKHGRII
6ZLWFKLQJSRZHURII3OHDVHZDLW <RXDUHFRUUHFWO\WXUQLQJWKHSULQWHURII7KHSULQWHULVPRYLQJWKH
SULQWKHDGVWRDSRVLWLRQZKLFKZLOOVWRSWKHPIURPGU\LQJRXW


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
6\VWHPHUURU 7KHUHDUHWZRW\SHVRIV\VWHPHUURU
n $V\VWHPHUURUZKHQ\RXZLOOKDYHWKHRSWLRQRISUHVVLQJ
(QWHUWRFRQWLQXH7KHSULQWHUZLOOFRQWLQXHEXWWKHSUREOHP
ZLOOVWLOOEHWKHUH
n 6ZLWFKSRZHURII 7KHV\VWHPHUURUJHWVFOHDUHGE\VZLWFKLQJ
RIIDQGRQ,IWKLVHUURUSHUVLVWVFRQWDFW\RXU+3
UHSUHVHQWDWLYH
n &RQWDFW\RXU+3UHSUHVHQWDWLYH\RXKDYHDKDUGZDUH
SUREOHP
<RXQHHG\RXWRFRQWDFW\RXU+3VXSSRUWVHHSDJH6\VWHP
(UURUV
7HVWLQJSULQWKHDGV 3ULQWHULVWHVWLQJWKHSULQWKHDGQR]]OHV
7ULPPLQJHGJH 7KHSULQWHULVLQWKHSURFHVVRIWULPPLQJWKHHGJHRIWKHUROOSDSHU
8QFOHDULIORDGLQJUROORUVKHHW 7KHSULQWHULVDVNLQJ\RXWRXVHWKHFRUUHFWSDSHUSDWK
8VHZLQGRZIRUVKHHWV
127(,I\RXDUHORDGLQJVKHHWXVHWKHVLQJOHVKHHWHQWU\SODWHQ
8VHKDQGOHVIRUUROOV
DQGLI\RXDUHORDGLQJUROOSDSHUXVHWKHUROOSDSHUHQWU\VORW
8QNQRZQLQNFDUW3UHVV 7KHSULQWHULVZDUQLQJ\RXWKDWLWGRHVQRWUHFRJQL]HWKHLQN
(17(5 DFFHSW FDUWULGJHVDVJHQXLQH+3FRPSRQHQWV,WLVUHFRPPHQGHGWKDW\RX
DOZD\VXVHJHQXLQH+3FRPSRQHQWVWRHQVXUHWKHFRUUHFWRSHUDWLRQ
RI\RXUSULQWHU
:DLWLQJIRU1HVW 7KHSULQWHULVLQWKHSURFHVVRIQHVWLQJ5HIHUWR&KDSWHUIRUDQ
H[SODQDWLRQRIQHVWLQJ
:DUQLQJ,QNFDUWULGJHVDUHVWLOO <RXKDYHFKRVHQWRLQLWLDWHDQLQNFDUWULGJHUHSODFHPHQWDQGWKH
IXQFWLRQDO,I\RXZDQWWRUHSODFH SULQWHULVFRQILUPLQJWKDW\RXUHDOO\ZDQWWRFRQWLQXHVHHSDJH
DQ\SOHDVHVHOHFW<(6 ,QN&DUWULGJH5HPRYDO
:DUQLQJ3ULQWKHDGIDLOXUH 7KHSULQWHUKDVGHWHFWHGDSUREOHPZLWKWKHSULQWKHDGV\RXPXVW
GHWHFWHG6HOHFW<(6WRUHSODFH UHSODFHWKHPDVVRRQDVSRVVLEOHVHHSDJH:KHQ6KRXOG<RX
IDLOLQJSULQWKHDG V 5HSODFHWKH+31R6XSSOLHV"
:DUQLQJ3ULQWKHDGTXDOLW\ 7KHSULQWHULVZDUQLQJ\RXWKDWWKHSULQWKHDGVZLOOQHHGUHSODFLQJ
GHJUDGLQJ6HOHFW<(6WRUHSODFH IRUPRUHLQIRUPDWLRQDERXWWKLVVHHSDJH:KHQ6KRXOG<RX
IDLOLQJSULQWKHDG V 5HSODFHWKH+31R6XSSOLHV"
:DUQLQJSULQWKHDGVDUHVWLOO <RXKDYHFKRVHQWRLQLWLDWHDSULQWKHDGUHSODFHPHQWIRUPRUHGHWDLOV
IXQFWLRQDO,I\RXZDQWWRUHSODFH RQWKLVVHHSDJH:KHQ6KRXOG<RX5HSODFHWKH+31R
DQ\SOHDVHVHOHFW<(6 6XSSOLHV"DQGSDJH3ULQWKHDG5HPRYDO
:UDSDQ\H[FHVVSDSHU 7KHSULQWHUUHTXLUHVWKDW\RXZUDSDQ\H[FHVVUROOSDSHURQWRWKHUROO
RQWRUROO WRKHOSPDQDJHWKHUROOIHHGV\VWHPDQGHQVXUHDVXFFHVVIXOUROO
SDSHUORDG


)URQW3DQHO0HVVDJHV
0HVVDJH'HVFULSWLRQVDQG$FWLRQV

0HVVDJH 'HVFULSWLRQ$FWLRQ
:URQJ0RGHO 7KHUHLVDSUREOHPZLWKHLWKHU\RXULQNFDUWULGJHRU\RXUSULQWKHDG
VHHSDJH,QN&DUWULGJH6WDWXV0HVVDJHVRU3ULQWKHDG6WDWXV
0HVVDJHV


5HIHUHQFH


3ULQWHU6SHFLILFDWLRQV
3ULQWDEOH$UHD
,QWHUIDFH6SHFLILFDWLRQV
5HJXODWRU\1RWLFHV
'HFODUDWLRQRI&RQIRUPLW\
2UGHULQJ$FFHVVRULHV


5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV

3ULQWHU6SHFLILFDWLRQV
)XQFWLRQDO6SHFLILFDWLRQV
+31R6XSSOLHV )RXUFRORUVF\DQPDJHQWD\HOORZDQGEODFN
3ULQWKHDGV GSL N+] &\DQ0DJHQWD<HOORZ 
N+] %ODFN 
3ULQWKHDG&OHDQHUV &\DQPDJHQWD\HOORZDQGEODFN
,QN&DUWULGJHV &\DQPDJHQWDDQG\HOORZHDFKFRQWDLQLQJFFRUFFRILQN
%ODFNFRQWDLQVFFRILQN
3DSHUVL]HV :LGWK FDUULDJHD[LV /HQJWK SDSHUD[LV
0LQLPXP 0D[LPXP 0LQLPXP 0D[LPXP
5ROO PP PP PP 7KHPD[LPXP
OHQJWKGHSHQGVRQ
WKHDPRXQWRIPHP
RU\WKHSULQWHUKDV
VHHSDJH
8SJUDGLQJ<RXU
3ULQWHU
6KHHW PP ($ PP P
$$ $$
3DSHUW\SHV 3ODLQ3DSHU
+37UDQVOXFHQWERQG
+3%ULJKW:KLWH,QNMHWSDSHU
+39HOOXP
+3&RDWHGSDSHU
+3+HDY\FRDWHGSDSHU
+3+LJKJORVVSKRWRSDSHU
+30DWWHILOP
+3&OHDUILOP
+31DWXUDOWUDFLQJSDSHU
7KLQQDWXUDOWUDFLQJSDSHU JUHDWHUWKDQJP
)URPWLPHWRWLPHQHZSDSHUW\SHVPD\EHFRPHDYDLODEOH)RUXSWRGDWHLQIRUPDWLRQSOHDVHFRQWDFW\RXU+3
GHDOHURURXUZHEVLWHZZZGHVLJQMHWRQOLQHKSFRP
$OVRVHHWKH6XSSOLHV6RXUFHFDWDORJDQG LQ(XURSHDQG86$ +33DSHU*XLGH)RUDOWHUQDWLYHQDPHV+3
FRPPHUFLDOQDPHVDQGSK\VLFDOFKDUDFWHULVWLFVRIWKHVHSDSHUW\SHVVHHFKDSWHU


5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV

)XQFWLRQDO6SHFLILFDWLRQV
3ULQWUHVROXWLRQE\ 'UDIW [GSL
PRGHVHWWLQJ 1RUPDO [GSL
%HVW [GSL &RORUSULQWV
$GGUHVVDEOH[GSL *UD\VFDOHSULQWVLQ%HVW

5ROO QRUPDO 6KHHW QRUPDO 5ROO H[WHQGHG 6KHHW H[WHQGHG


0DUJLQV 6LGH0DUJLQVPP 6LGH0DUJLQVPP 6LGH0DUJLQVPP 6LGH0DUJLQVPP
/HDGLQJHGJH /HDGLQJHGJH /HDGLQJHGJH /HDGLQJHGJH
0DUJLQPP 0DUJLQPP 0DUJLQPP 0DUJLQPP
7UDLOLQJ(GJH 7UDLOLQJ(GJH 7UDLOLQJ(GJH 7UDLOLQJ(GJH
0DUJLQPP 0DUJLQPP 0DUJLQPP 0DUJLQPP
3URJUDPPLQJ &$/6* 7\SH,
ODQJXDJHV +3*/
VXSSRUWHG +3*/ ZLWK.DQML/HYHODQGFKDUDFWHUVHWV
+357/ ZLWKFRORUH[WHQVLRQV
3-/30/
$GREH3RVW6FULSW VXSSRUWV$VLDQODQJXDJHV
9DUH:DUH
$FFXUDF\ RIWKHVSHFLILHGYHFWRUOHQJWKDWR& R) 5HODWLYH+XPLGLW\RQ+3
VSHFLDOSRO\HVWHUILOP

3K\VLFDO6SHFLILFDWLRQV
7\SH :HLJKW /HQJWK 'HSWK +HLJKW
(VL]HSULQWHU NJZLWKRXWVWDQG PP PP PP
NJZLWKVWDQG

0HPRU\6SHFLILFDWLRQV
0HPRU\ 8SWR0E\WH'5$0 [0E *E+DUG'LVN $VVWDQGDUGLQWKH
',00V &0

3ULQWHU3RZHU6SHFLILFDWLRQV
6RXUFH 9DF±DXWRUDQJLQJ
)UHTXHQF\ +]


5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV

3ULQWHU3RZHU6SHFLILFDWLRQV
&XUUHQW DPSPD[LPXP
&RQVXPSWLRQ ZDWWVPD[LPXP
(QHUJ\6WDUUDWLQJ 0D[LPXPSRZHULQLGOHVWDWHZDWWV
86$

(FRORJLFDO6SHFLILFDWLRQV
(QHUJ\HIILFLHQF\ &RPSOLDQWZLWK(QHUJ\6WDU3URJUDP(3$ 86 
0DQXIDFWXULQJ )UHHRIR]RQHGHSOHWLQJFKHPLFDOV 0RQWUHDO3URWRFRO 
SURFHVV
3ODVWLFV )UHHRIEURPLQDWHGIODPHUHWDUGDQWV 3%%DQG3%'( 
$OOKRXVLQJSDUWVPDGHRIWKHVDPHPDWHULDO$%6
3DUWVPDUNHGDFFRUGLQJWR,62VWDQGDUG
0HWDOV (QFORVXUHVPDGHRIHOHFWURJDOYDQL]HGVWHHOVKHHW
3DFNDJLQJ &DUGERDUG QRQFKORULQHEOHDFKHG DQGIRDPDUHUHF\FODEOH
,QNVXVHGIRUSULQWLQJGRQRWFRQWDLQKHDY\PHWDOV
8VHU'RFXPHQWDWLRQ 0DMRULW\FDQEHUHF\FOHGQRWEOHDFKHGZLWKFKORULQHDQGSULQWHGZLWKLQNVWKDWGRQRW
FRQWDLQKHDY\PHWDOV)RUVSHFLILFDWLRQRIWKLV8VHU¶V*XLGHVHHWKHEDFNFRYHU
%DWWHULHV 1RWXVHG
5HF\FODEOLOLW\ 0RGXODUFRQVWUXFWLRQFRQQHFWLQJHOHPHQWVVQDSW\SHFDQEHUHXVHGVFUHZVHDV\WR
ILQGDQGGLVDVVHPEO\GRQHXVLQJXQLYHUVDOWRROV

(QYLURQPHQWDO6SHFLILFDWLRQV
2SHUDWLQJ5DQJH 3ULQWLQJ °&WR°& ° )WR° ) 5+WR
2SWLPDOSULQWTXDOLW\ °&WR°& ° )WR° ) 5+WR
$FFHSWDEOHSULQWTXDOLW\ °&WR°& ° )WR° ) 5+WR
1RQ2SHUDWLQJ5DQJHV 3ULQWHU °&WR°& ° )WR° )
3DFNHGFRQVXPDEOHVDQGV\VWHP °&WR°& ° )WR° )

127(,IWKHSULQWHUWHPSHUDWXUHIDOOVEHORZLWVPLQLPXPRSHUDWLQJWHPSHUDWXUHLW
PD\VWRSWRSURWHFWLWVLQNV\VWHPV6HH$EQRUPDOSULQWHUFRQGLWLRQV

127($WPDOWLWXGHWKHSULQWHUPD\KDYHRSHUDWLRQDOSUREOHPV


5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV

$FRXVWLF6SHFLILFDWLRQV
2SHUDWLQJVRXQGSUHVVXUH G% )URPDRQHPHWHUE\VWDQGHUSRVLWLRQ
,GOHVRXQGSUHVVXUH G% $  )URPDRQHPHWHUE\VWDQGHUSRVLWLRQ
2SHUDWLQJVRXQGSRZHU %HOV $
,GOHVRXQGSRZHU %HOV $ 

(0& (OHFWUR0DJQHWLF&RPSDWLELOLW\ 6SHFLILFDWLRQV


&DQDGD &DQDGLDQ'HSDUWPHQWRI&RPPXQLFDWLRQV5DGLR,QWHUIHUHQFH5HJXODWLRQV
&ODVV%FRPSOLDQW
(XURSHDQ8QLRQ ((&(0&'LUHFWLYHFRPSOLDQW
0HHWV(1&ODVV%HPLVVLRQOLPLWVSU(1
(6'SU(15DGLDWHG,PPXQLW\SU(1
)DVW7UDQVLHQWV
-DSDQ 5HJLVWHUHG9&&,&ODVV%
.RUHD 55/FHUWLILHG
6RXWK$IULFD 6$%6OLFHQVHG
86$ )HGHUDO&RPPXQLFDWLRQV&RPPLVVLRQ
&ODVV%FRPSXWLQJGHYLFH
&)53DUW
$XVWUDOLD 0HHWV$61=6
1HZ=HDODQG
7DLZDQ %&,4FHUWLILHG
3URGXFWH[KLELWV&ODVV$RSHUDWLRQZKHQFRQQHFWHGWR/$1FDEOHVXVLQJ3ULQW6HUYHUDFFHVVRULHV

3ULQWHU6DIHW\6SHFLILFDWLRQV
,QIRUPDWLRQ7HFKQRORJ\(TXLSPHQW ,7( 
0RYDEOH
&ODVV,
3OXJDEOH7\SH$
,QVWDOODWLRQ&DWHJRU\,,
3ROOXWLRQ'HJUHH
)RULQGRRUFRQWUROOHGRIILFHHQYLURQPHQWVXVH
&DQDGD &DQDGLDQ6WDQGDUGV$VVRFLDWLRQ³&HUWLILHG´,7(&6$&1R
(XURSHDQ8QLRQ ((&/RZ9ROWDJH'LUHFWLYHFRPSOLDQW0HHWV(1
0H[LFR '*11206&),FHUWLILHG


5HIHUHQFH
3ULQWHU6SHFLILFDWLRQV

3ULQWHU6DIHW\6SHFLILFDWLRQV
1RUZD\ 1(0.2DSSURYHG
(1(0.276(  '.
86$ 8QGHUZULWHUV
/DERUDWRULHV
³/LVWHG´,7(8/
&KLQD &&,%FHUWLILHG*%VW(G
&]HFK5HSXEOLF (=8,(&FHUWLILHG
6LQJDSRUH 36%66FHUWLILHG
3RODQG 3&%&FHUWLILHG
5XVVLD *267FHUWLILHG


5HIHUHQFH
 3ULQWDEOH$UHD

3ULQWDEOH$UHD
3ULQWLQJ$UHD 3DSHU6L]H0LQXV0DUJLQV
3DSHU6L]H DQG 3ULQWLQJ$UHD :LGWK[+HLJKW E\2ULHQWDWLRQRI,PDJH
2ULHQWDWLRQRI
LQFKHV PLOOLPHWHUV
3DSHU
ODQGVFDSH SRUWUDLW ODQGVFDSH SRUWUDLW
$16,SDSHU $ SRUWUDLW [ [ [ [
$ ODQGVFDSH [ [ [ [
% SRUWUDLW [ [ [ [
% ODQGVFDSH [ [ [ [
& SRUWUDLW [ [ [ [
& ODQGVFDSH [ [ [ [
' SRUWUDLW [ [ [ [
' ODQGVFDSH [ [ [ [
( SRUWUDLW [ [ [ [
$UFKLWHFWXUDO $ SRUWUDLW [ [ [ [
SDSHU $ ODQGVFDSH [ [ [ [
% SRUWUDLW [ [ [ [
% ODQGVFDSH [ [ [ [
& SRUWUDLW [ [ [ [
& ODQGVFDSH [ [ [ [
' SRUWUDLW [ [ [ [
' ODQGVFDSH [ [ [ [
( SRUWUDLW [ [ [ [
( SRUWUDLW [ [ [ [
,62SDSHU $ SRUWUDLW [ [ [ [
$ ODQGVFDSH [ [ [ [
$ SRUWUDLW [ [ [ [
$ ODQGVFDSH [ [ [ [
$ SRUWUDLW [ [ [ [
$ ODQGVFDSH [ [ [ [
$ SRUWUDLW [ [ [ [
$ ODQGVFDSH [ [ [ [
$ SRUWUDLW [ [ [ [
)RUPDUJLQVVHHSDJH7KLVWDEOHLVFDOFXODWHGXVLQJQRUPDOPDUJLQV


5HIHUHQFH
,QWHUIDFH6SHFLILFDWLRQV

,QWHUIDFH6SHFLILFDWLRQV
%HORZDUHWKHSDUDOOHOLQWHUIDFHVSHFLILFDWLRQV

)RUVSHFLILFDWLRQVRIWKH+3-HW'LUHFW3ULQW6HUYHU 1HWZRUN,QWHUIDFH VHHWKH


-HW'LUHFW3ULQW6HUYHUGRFXPHQWDWLRQVXSSOLHGZLWKWKH3ULQW6HUYHU,QWHUIDFHRU
FRQVXOW\RXUGHDOHU

3DUDOOHO ,(((FRPSDWLEOH&HQWURQLFV ,QWHUIDFH


7KHFRQQHFWRURQWKHSULQWHULVSLQ 3LQ :LUH6LJQDO1DPH 6RXUFH
IHPDOH  6WUREH FRPSXWHU
0RVWH[LVWLQJSDUDOOHOFDEOHVVXSSRUW
« '«' GDWD ERWK
,(((FRPSDWLEOHFRPPXQLFDWLRQ
OLQHV
EXWIRUXVHZLWKWKLVSULQWHUWKHFDEOH
PXVWPHHWWKHVSHFLILFDWLRQLQWKLVWDEOH  $FN SULQWHU
 %XV\ SULQWHU
 3(UURU SULQWHU
 6HOHFW 6HOHFW2XW SULQWHU
 $XWR)G FRPSXWHU
 *1'
« *1'
 ,QLW FRPSXWHU
 )DXOW SULQWHU
 6HOHFW,Q FRPSXWHU

7KHIROORZLQJFDEOHLVUHFRPPHQGHGIRURSWLPXPSHUIRUPDQFHDQG
HOHFWURPDJQHWLFFRPSDWLELOLW\

5HFRPPHQGHG&DEOHIRU3&VDQG8QL[6\VWHPV
,QWHUIDFHW\SH &RPSXWHU +3SDUWQXPEHU &DEOHOHQJWK &RQQHFWRUW\SHDW
FRPSXWHUHQGRIFDEOH
,(((FRPSDWLEOH&HQWURQLFV &$ P SLQPDOH
,QWHUIDFH $OO

127( 7KHUH LV D VPDOO VHULDO SRUW DW WKH UHDU RI WKH SULQWHU WKLV LV WKHUH IRU
PDQXIDFWXULQJSXUSRVHVRQO\DQGFDQQRWEHXVHGWRSULQW


5HIHUHQFH
5HJXODWRU\1RWLFHV


5HJXODWRU\1RWLFHV

7R2EWDLQD0DWHULDO6DIHW\'DWD6KHHW 06'6
<RXFDQREWDLQFXUUHQW0DWHULDO6DIHW\'DWD6KHHWVIRUWKHLQNV\VWHPVXVHGLQWKH
SULQWHUE\PDLOLQJDUHTXHVWWRWKLVDGGUHVV+HZOHWW3DFNDUG&XVWRPHU
,QIRUPDWLRQ&HQWHU3UXQHULGJH$YHQXH'HSW06'6&XSHUWLQR&$
86$7KHUHLVDOVRDZHESDJHKWWSZZZKSFRPDERXWKSHQYUQPQW
FRQWHQWVHQYIDFWVKSPVGVKWP

6RXQG
*HUlXVFKHPLVVLRQ /S$G%DP$UEHLWVSODW]LP1RUPDOEHWULHEQDFK',17
*HUPDQ\

(OHFWUR0DJQHWLF&RPSDWLELOLW\ (0&
)&&6WDWHPHQWV 7KH86)HGHUDO&RPPXQLFDWLRQV&RPPLVVLRQ LQFIU KDVVSHFLILHG
86$ WKDWWKHIROORZLQJQRWLFHVEHEURXJKWWRWKHDWWHQWLRQRIXVHUVRIWKLVSURGXFW

3URGXFW,GHQWLILFDWLRQ1XPEHUV

3ULQWHU 'HVLJQ-HW& 'HVLJQ-HW&0


0RGHO &$ &$

7KLVGHYLFHFRPSOLHVZLWKSDUWRIWKH)&&UXOHV2SHUDWLRQLVVXEMHFWWRWKH
IROORZLQJWZRFRQGLWLRQV  7KLVGHYLFHPD\QRWFDXVHKDUPIXOLQWHUIHUHQFHDQG
 WKLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHUHFHLYHGLQFOXGLQJLQWHUIHUHQFHWKDW
PD\FDXVHXQGHVLUHGRSHUDWLRQ

6KLHOGHGFDEOHV

8VHRIDVKLHOGHGGDWDFDEOHVLVUHTXLUHGWRFRPSO\ZLWKWKH&ODVV%OLPLWVRI3DUW
RIWKH)&&5XOHV


5HIHUHQFH
5HJXODWRU\1RWLFHV

&$87,21 3XUVXDQWWR3DUWRIWKH)&&5XOHVDQ\FKDQJHVRUPRGLILFDWLRQVWRWKLV
HTXLSPHQW QRW H[SUHVVO\ DSSURYHG E\ WKH +HZOHWW3DFNDUG &RPSDQ\ PD\
FDXVH KDUPIXO LQWHUIHUHQFH DQG YRLG WKH )&& DXWKRUL]DWLRQ WR RSHUDWH WKLV
HTXLSPHQW

127(7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKHOLPLWVIRUD
&ODVV % GLJLWDO GHYLFH SXUVXDQW WR SDUW  RI WKH )&& 5XOHV 7KHVH OLPLWV DUH
GHVLJQHG WR SURYLGH UHDVRQDEOH SURWHFWLRQ DJDLQVW KDUPIXO LQWHUIHUHQFH LQ D
UHVLGHQWLDO LQVWDOODWLRQ 7KLV HTXLSPHQW JHQHUDWHV XVHV DQG FDQ UDGLDWH UDGLR
IUHTXHQF\HQHUJ\DQGLIQRWLQVWDOOHGDQGXVHGLQDFFRUGDQFHZLWKWKHLQVWUXFWLRQV
PD\ FDXVH KDUPIXO LQWHUIHUHQFH WR UDGLR FRPPXQLFDWLRQV +RZHYHU WKHUH LV QR
JXDUDQWHH WKDW LQWHUIHUHQFH ZLOO QRW RFFXU LQ D SDUWLFXODU LQVWDOODWLRQ ,I WKLV
HTXLSPHQWGRHVFDXVHKDUPIXOLQWHUIHUHQFHWRUDGLRRUWHOHYLVLRQUHFHSWLRQZKLFK
FDQEHGHWHUPLQHGE\WXUQLQJWKHHTXLSPHQWRIIDQGRQWKHXVHULVHQFRXUDJHGWRWU\
DQGFRUUHFWWKHLQWHUIHUHQFHVE\RQHRUPRUHRIWKHIROORZLQJPHDVXUHV

D 5HRULHQWWKHUHFHLYLQJDQWHQQD
E ,QFUHDVHWKHVHSDUDWLRQEHWZHHQWKHHTXLSPHQWDQGWKHUHFHLYHU
F &RQQHFWWKHHTXLSPHQWLQWRDQRXWOHWRQDFLUFXLWGLIIHUHQWIURPWKDWWRZKLFKWKH
UHFHLYHULVFRQQHFWHG
G &RQVXOWWKHGHDOHURUDQH[SHULHQFHGUDGLR79WHFKQLFLDQIRUKHOS

7KHXVHUPD\ILQGXVHIXOWKHIROORZLQJERRNOHWSUHSDUHGE\WKH)&&³+RZWR
,GHQWLI\DQG5HVROYH5DGLR79,QWHUIHUHQFH3UREOHPV´7KLVERRNOHWLVDYDLODEOH
IURPWKH86*RYHUQPHQW3ULQWLQJ2IILFH:DVKLQJWRQ'&
6WRFN1R


5HIHUHQFH
5HJXODWRU\1RWLFHV

:KHQFRQQHFWHGWR 7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKHOLPLWVIRUD&ODVV$
/$1FDEOHVXVLQJ GLJLWDOGHYLFHSXUVXDQWWRSDUWRIWKH)&&5XOHV7KHVHOLPLWVDUHGHVLJQHGWR
SULQWVHUYHU SURYLGHUHDVRQDEOHSURWHFWLRQDJDLQVWKDUPIXOLQWHUIHUHQFHLQDFRPPHUFLDO
DFFHVVRULHV« HQYLURQPHQW7KLVHTXLSPHQWJHQHUDWHVXVHVDQGFDQUDGLDWHUDGLRIUHTXHQF\
HQHUJ\DQGLIQRWLQVWDOOHGDQGXVHGLQDFFRUGDQFHZLWKWKHLQVWUXFWLRQVPD\FDXVH
KDUPIXOLQWHUIHUHQFHWRUDGLRFRPPXQLFDWLRQV2SHUDWLRQRIWKLVHTXLSPHQWLQD
UHVLGHQWLDODUHDLVOLNHO\WRFDXVHKDUPIXOLQWHUIHUHQFHLQZKLFKFDVHWKHXVHUZLOOEH
UHTXLUHGWRFRUUHFWWKHLQWHUIHUHQFHDWWKHLURZQH[SHQVH

1RUPHVGHVpFXULWp /HSUpVHQWDSSDUHLOQXPpULTXHQ
pPHWSDVGHEUXLWVUDGLRpOHFWULTXHVGpSDVVDQWOHV
&DQDGD OLPLWHVDSSOLFDEOHVDX[DSSDUHLOVQXPpULTXHVGH&ODVVH%SUHVFULWHVGDQVOH
UpJOHPHQWVXUOHEURXLOODJHUDGLRpOHFWULTXHpGLFWpSDUOH0LQLVWpUHGHV
&RPPXQLFDWLRQVGX&DQDGD

&RQQHFWpjXQUpVHDXSDUGHVDFFHVVRLUHVGHVHUYHXUO¶DSSDUHLOQ
pPHWSDVGHEUXLWV
UDGLRpOHFWULTXHVGpSDVVDQWOHVOLPLWHVDSSOLFDEOHVDX[DSSDUHLOVQXPpULTXHVGH
&ODVVH$SUHVFULWHVGDQVOHUpJOHPHQWVXUOHEURXLOODJHUDGLRpOHFWULTXHpGLFWpSDUOH
0LQLVWqUHGHV&RPPXQLFDWLRQVGX&DQDGD

'2&VWDWHPHQW 7KLVGLJLWDODSSDUDWXVGRHVQRWH[FHHGWKH&ODVV%OLPLWVIRUUDGLRQRLVHHPLVVLRQV
&DQDGD IURPGLJLWDODSSDUDWXVVHWRXWLQWKH5DGLR,QWHUIHUHQFH5HJXODWLRQVRIWKH&DQDGLDQ
'HSDUWPHQWRI&RPPXQLFDWLRQV

:KHQFRQQHFWHGWR/$1FDEOHVXVLQJSULQWVHUYHUDFFHVVRULHVWKLVGLJLWDODSSDUDWXV
GRHVQRWH[FHHGWKH&ODVV$OLPLWVIRUUDGLRQRLVHHPLVVLRQVIURPGLJLWDODSSDUDWXV
VHWRXWLQWKH5DGLR,QWHUIHUHQFH5HJXODWLRQVRIWKH&DQDGLDQ'HSDUWPHQWRI
&RPPXQLFDWLRQV


5HIHUHQFH
5HJXODWRU\1RWLFHV

9&&,&ODVV$DQG
&ODVV% -DSDQ

.RUHDQ(0,
VWDWHPHQW

7DLZDQHVH(0,
VWDWHPHQW

7HOH 7HOHFRPPXQLFDWLRQV6WDWHPHQW
FRPPXQLFDWLRQV
*HQHUDO$SSURYDO 7KH+3'HVLJQ-HW&DQG&0SULQWHUVPRGHOV&DQG&DUH
8. DSSURYHGXQGHU$SSURYDO1XPEHU16*IRULQGLUHFWFRQQHFWLRQWR
SXEOLFWHOHFRPPXQLFDWLRQV\VWHPVZLWKLQWKH8QLWHG.LQJGRP

$GGUHVV +HZOHWW3DFNDUG&RPSDQ\
0DQDJHURI&RUSRUDWH3URGXFWUHJXODWLRQV
+DQRYHU6WUHHW
3DOR$OWR&$



5HIHUHQFH
'HFODUDWLRQRI&RQIRUPLW\


'HFODUDWLRQRI&RQIRUPLW\
'(&/$5$7,212)&21)250,7<
DFFRUGLQJWR,62,(&*XLGHDQG(1
0DQXIDFWXUHU¶V1DPH +HZOHWW3DFNDUG(VSDxROD6$ +HZOHWW3DFNDUG6LQJDSRUH 37( /WG
0DQXIDFWXUHU¶V$GGUHVV %DUFHORQD'LYLVLRQ $VLD+DUGFRS\0DQXIDFWXULQJ2SHUDWLRQ
$YHQLGD*UDHOOV *XO:D\
6DQW&XJDWGHO9DOOHV 6LQJDSRUH
%DUFHORQD6SDLQ
'HFODUHVWKDWWKHSURGXFW
3URGXFW1DPH +3'HVLJQ-HW&DQG&0,QNMHW3ULQWHUV
0RGHO1XPEHU V  +3&;+3&;
3URGXFW$FFHVVRU\ $OO
&RQIRUPVWRWKHIROORZLQJ3URGXFW6SHFLILFDWLRQ
6DIHW\ ,(&  $$$$(1  $$$$
&6$&1R 
8/ 
1206&),
(0.276(  '.
*% 
,(&  (1  &ODVVIRU/('
(0& &,635(1  &ODVV%  
(1 
,(&SU(1  .9&'.9$'
,(&SU(1  9P
,(&SU(1  .93RZHU/LQHV
.96LJQDO/LQHV
,(&(1 
,(&(1 
)&&3DUW&ODVV%'2&%9&&,%55/$%&,4$
$61=6  *%
6XSSOHPHQWDU\,QIRUPDWLRQ
7KHSURGXFWKHUHZLWKFRPSOLHVZLWKWKHUHTXLUHPHQWVRIWKH/RZ9ROWDJH'LUHFWLYH((&DQGWKH(0&
'LUHFWLYH((&DQGFDUULHVWKH&(PDUNLQJDFFRUGLQJO\
 3URGXFWH[KLELWVFODVV$RSHUDWLRQZKHQFRQQHFWHGWR/$1FDEOHVXVLQJSULQWVHUYHUDFFHVVRULHV
 7KHSURGXFWZDVWHVWHGLQDW\SLFDOV\VWHPZLWKD+HZOHWW3DFNDUG3HUVRQDO&RPSXWHUDQGVHFRQG
SHULSKHUDO$Q$SSOH0DFLQWRVKZDVXVHGIRU/RFDO7DON
6DQW&XJDWGHO9DOOHV %DUFHORQD  6LQJDSRUH
6HSWHPEHUWK 6HSWHPEHUWK
-RUGL%DOGHUDV .XP<HZ&KDQ
4XDOLW\(QJLQHHULQJ0DQDJHU 4XDOLW\0DQDJHU
(XURSHDQ&RQWDFW<RXUORFDO+HZOHWW3DFNDUG6DOHVDQG6HUYLFH2IILFHRU+HZOHWW3DFNDUG*P E+'HSDUWP HQW+475(

+HUUHQEHUJHU6WUDVVH'%RHEO LQJHQ*HUP DQ\ )$;


5HIHUHQFH
2UGHULQJ$FFHVVRULHV

2UGHULQJ$FFHVVRULHV
,WHP +33DUW1XPEHU
&DEOHV 6HHSDJH
+3'HVLJQ-HW&DQG&0 (QJOLVK &
4XLFN5HIHUHQFH*XLGH .RUHDQ &
7DLZDQHVH &
*HUPDQ &
)UHQFK &
6SDQLVK &
,WDOLDQ &
-DSDQHVH &
3RUWXJXHVH &
&KLQHVH &
+3'HVLJQ-HW&DQG&08VHU
V (QJOLVK &
*XLGH .RUHDQ &
7DLZDQHVH &
*HUPDQ &
)UHQFK &
6SDQLVK &
,WDOLDQ &
-DSDQHVH &
3RUWXJXHVH &
&KLQHVH &
&]HFK &
*UHHN &
+XQJDULDQ &
3ROLVK &
5XVVLDQ &
7KDL &
7XUNLVK &
6RIWZDUH$SSOLFDWLRQ1RWHV (QJOLVK &

7KH+3*/DQG+357/5HIHUHQFH*XLGH (QJOLVK 

7KH3URGXFW&RPSDULVRQ*XLGHIRU+3*/ (QJOLVK F


DQG+357/3HULSKHUDOV
3-/7HFKQLFDO5HIHUHQFH0DQXDO (QJOLVK 

3RVW6FULSW8SJUDGH.LW &$


5HIHUHQFH
2UGHULQJ$FFHVVRULHV

,WHP +33DUW1XPEHU

+DUG'LVN &%

0HPRU\ $OOPHPRU\H[SDQVLRQPRGXOHV 0% &$


0RGXOHV DUH 0% &$
RU0%',00SLQ[ 0% &$
('2QDQRVHFRQGV9
-HW'LUHFW(,21HWZRUN&DUGV %DVH7 -$
%DVH7/RFDO7DON -$
7RNHQ5LQJ -$
%DVH7; -$

7RDFKLHYHWKHEHVWSHUIRUPDQFHIURP\RXUSULQWHUZHUHFRPPHQG\RXRQO\XVH
JHQXLQH+HZOHWW3DFNDUGDFFHVVRULHVDQGVXSSOLHVZKRVHUHOLDELOLW\DQG
SHUIRUPDQFHKDYHEHHQWKRURXJKO\WHVWHGWRJLYHWURXEOHIUHHSHUIRUPDQFH)RU
H[DPSOH
D &0 +3GULYHUVDUHGHYHORSHGWRVXSSRUWDOOWKHODWHVWIHDWXUHVDQGWR
RSWLPL]HSULQWTXDOLW\DQG\RXUSULQWHUVSHUIRUPDQFH
E +3PHPRU\H[SDQVLRQPRGXOHVDUHWKRURXJKO\WHVWHGWRJLYH\RXPD[LPXP
SHUIRUPDQFH
F +31RVXSSOLHVDQGSDSHUVXSSOLHVDUHGHYHORSHGIRURSWLPDOSULQWTXDOLW\


5HIHUHQFH
2UGHULQJ$FFHVVRULHV

,WHP +33DUW1XPEHU

'ULYHUV
/DWHVWYHUVLRQVRIWKHIROORZLQJZHUHVKLSSHGZLWKWKH&0
+3'HVLJQ-HW3RVW6FULSW'ULYHUIRU3RZHU0DFLQWRVKDQG0DFLQWRVKD
+3'HVLJQ-HW3RVW6FULSW'ULYHUIRU0LFURVRIW:LQGRZVD
+3*/:LQGRZV'ULYHU
+3'HVLJQ-HW+3*/DQG+357/$XWR&$'GULYHU
127()RUGHWDLOVRIWKHODWHVWYHUVLRQDYDLODEOHSOHDVHYLVLWWKH+HZOHWW3DFNDUGZHEVLWHDW
KWWSZZZKSFRPJRGHVLJQMHWRUFRQVXOW\RXU+3GHDOHURUVDOHVUHSUHVHQWDWLYH
3DSHU6XSSOLHV
7KLVLWHPLVXSGDWHGUHJXODUO\3OHDVHYLVLWWKH+HZOHWW3DFNDUGZHEVLWHDW
KWWSZZZKSFRPJRGHVLJQMHWRUFRQVXOW\RXU+3GHDOHURUVDOHVUHSUHVHQWDWLYH
&RORU PO PO
,QN&DUWULGJHV %ODFN 1$ &$
&\DQ &$ &$
<HOORZ &$ &$
0DJHQWD &$ &$

9DOXH3DFN 3ULQWKHDG %ODFN 1$ &$


3ULQWKHDG&OHDQHUPO,QN &\DQ 1$ &$
&DUWULGJH <HOORZ 1$ &$
0DJHQWD 1$ &$
,WHP &RORU

3ULQWKHDGVDQG3ULQWKHDG&OHDQHUV %ODFN &$


&\DQ &$
<HOORZ &$
0DJHQWD &$
6SLQGOH($VVHPEO\ &$


5HIHUHQFH
2UGHULQJ$FFHVVRULHV

+3*/DQG+357/3URJUDPPLQJ,QIRUPDWLRQ
7KH+3*/DQG+357/5HIHUHQFH*XLGHSURYLGHVFRPSOHWHH[SODQDWLRQVDQG
H[DPSOHVRIWKH+3*/DQG+357/JUDSKLFDQGLQWHUIDFLQJLQVWUXFWLRQV,I\RX
DUHZULWLQJDQ+3*/RU57/GULYHUIRU\RXUSULQWHU\RXZLOOILQGWKLVJXLGHDQ
LQYDOXDEOHVRXUFHRIJHQHUDOLQVWUXFWLRQLQIRUPDWLRQ,WLVSXEOLVKHGE\$GGLVRQ
:HVOH\3XEOLVKLQJ&RPSDQ\DQG\RXFDQRUGHULWWKURXJKPRVWERRNVWRUHV ,6%1
 

)RUVSHFLILFSDUDPHWHULQIRUPDWLRQUHIHUWR7KH3URGXFW&RPSDULVRQ*XLGHIRU+3
/DQJXDJHVRQ+33ORWWHUVDQG/DUJH)RUPDW3ULQWHUVZKLFK\RXFDQRUGHU
WKURXJK\RXU+36DOHVRIILFHSDUWQXPEHU

+RZWR2UGHU6XSSOLHVDQG$FFHVVRULHV
<RXFDQRUGHUVXSSOLHVDQGDFFHVVRULHVLQDQ\RIWKHIROORZLQJZD\V
D &DOO\RXUORFDODXWKRUL]HG+3GHDOHU
E &RQWDFW\RXUORFDO+36DOHVDQG6XSSRUWRIILFH
F 5HIHUWRWKH+HZOHWW3DFNDUG6XSSRUW6HUYLFHVERRNOHWWKDWZDVVXSSOLHGZLWK
\RXUSULQWHU


5HIHUHQFH
ZZZKSFRPJRGHVLJQMHW

ZZZKSFRPJRGHVLJQMHW

Direct access to HP and the information you


want, when you need it. Register now!

+3'HVLJQ-HW2QOLQHLVDIUHHZHEEDVHG³XVHUFOXE´H[FOXVLYHWR+3'HVLJQ-HW
XVHUV+DYLQJUHJLVWHUHGWKHXVHUKDVXQUHVWULFWHGDFFHVVWRDUDQJHRIXVHIXO
VHUYLFHVWKHHPSKDVLVEHLQJRQ³XVHIXO´DVWKLVLVGHILQLWHO\QRWDVDOHVRULHQWHG
VLWH

&RPPXQLFDWLRQIURP+3WRXVHUVLQFOXGHV
n DTXDUWHUO\QHZVOHWWHUIRFXVVLQJRQXVDJHWLSVWHFKQLFDOEULHILQJVDQGH[DPSOHV
RI+3'HVLJQ-HWDSSOLFDWLRQVDURXQGWKHZRUOG
n IXOOLQIRUPDWLRQRQZRUOGZLGH+3&XVWRPHU&DUHFRQWDFWV
n DQRQOLQH+3'HVLJQ-HW'LDJQRVLVWURXEOHVKRRWLQJWRRO
n DFDOHQGDURI+3'HVLJQ-HWUHODWHGHYHQWVDQGSURJUDPV
n RQOLQHDFFHVVWRWUDLQLQJYLGHRVDQGVHOHFWHGXVHUGRFXPHQWV
n DQGLPPHGLDWHLQIRUPDWLRQRQQHZSURGXFWV

&RPPXQLFDWLRQIURPWKHXVHUVWR+3LQFOXGHV
n IHHGEDFNRQ+3'HVLJQ-HWIHDWXUHV
n DXWRPDWLFFRQWDFWZLWK+3&XVWRPHU&DUHIURPWKHWURXEOHVKRRWLQJWRROIRU+3
WRIROORZXS
n DQGWKHFKDQFHWRDVNWHFKQLFDOTXHVWLRQVRQODUJHIRUPDWSULQWLQJWRLQGXVWU\
H[SHUWV

$QGILQDOO\FRPPXQLFDWLRQIURPXVHUWRXVHULQFOXGHVWKHFKDQFHWRZLQSUL]HVE\
VXEPLWWLQJ+3'HVLJQ-HWVXFFHVVVWRULHVDVZHOODVDXVHUWRXVHUGLVFXVVLRQIRUXP
ZKHUHXVHUVFDQVKDUHEHVWSUDFWLFHVDQGDVNIRUDGYLFHIURPWKHLUIHOORZ
SURIHVVLRQDOV

+3'HVLJQ-HW2QOLQHLVDYDLODEOHLQ(QJOLVK*HUPDQ)UHQFK,WDOLDQ6SDQLVKDQG
3RUWXJXHVH


*ORVVDU\


*ORVVDU\ 

DF GHYLFH
$OWHUQDWLQJFXUUHQW $QH[WHUQDOLWHPFRQQHFWHGWRWKHFRPSXWHUSULQWHU
WDSHGULYHHWF<RXU+3'HVLJQ-HWLVDGHYLFH
DGGUHVVDEOH
7KHSULQWHUVLQWHUQDOVRIWZDUHFKDQJHVWKHSODFLQJRI 'LD]R
WKHLQNRQWKHSDSHUWRREWDLQJUHDWHUDFFXUDF\ $SKRWRJUDSK\WHFKQLTXHZKLFKLQYROYHVWKHXVHRID
GLD]RFRDWLQJRQWKHSDSHU
$16,VL]H
$Q$PHULFDQVWDQGDUGSDSHUVL]HHJ'( GSL
'RWVSHULQFKDPHDVXUHRISULQWUHVROXWLRQ
DSSOLFDWLRQ
7KHVRIWZDUH\RXXVHWRFUHDWH\RXUGUDZLQJV GULYHU
7KHVRIWZDUHWKDWFRQWUROVWKHFRPPXQLFDWLRQ
&HQWURQLFV EHWZHHQDFRPSXWHUDQGDGHYLFH
$VWDQGDUGIRUWKHSDUDOOHOLQWHUIDFHEHWZHHQ
FRPSXWHUDQGGHYLFH IURQWSDQHO
7KHFRQWUROSDQHORQWKHULJKWRIWKHSULQWHU
FOLSSLQJ
/RVLQJSDUWRIDGUDZLQJDWWKHHGJHV IURQWSDQHOPHQXV
7KHVWUXFWXUHRIRSWLRQVLQWKHIURQWSDQHOGLVSOD\
&0<.
&\DQPDJHQWD\HOORZDQGEODFN7KHFRORUVRIWKH JUDSKLFVODQJXDJH
SULQWHU
VIRXULQNVDQGDOVRDVWDQGDUGFRORUPRGHO $SURJUDPPLQJODQJXDJHWHOOLQJDSULQWGHYLFHKRZ
WRRXWSXWJUDSKLFGDWD
FRDWHGSDSHU
3DSHUFRDWHGRQRQHVLGHIRULQNMHWSULQWLQJ JUH\VFDOH
6KDGHVRIJUH\WRUHSUHVHQWFRORUV
GHIDXOW
$YDOXHRUFRQGLWLRQWKDWLVDVVXPHGLIQRRWKHUYDOXH KLJKJORVVSKRWR
RUFRQGLWLRQLVVSHFLILHG $JORVV\RSDTXHSKRWRJUDSKLFSDSHU

*
*ORVVDU\

+3*/ WRDYRLGZDVWH
2QHRI+HZOHWW3DFNDUG
VVWDQGDUGJUDSKLFV
QR]]OHV
ODQJXDJHVIRUSORWWHUVDQGSULQWHUV3URGXFHVYHFWRU
GDWD /RFDWHGXQGHUQHDWKWKHSULQWKHDG7KHQR]]OHVGLUHFW
WKHLQNRQWRWKHSDJH
,2,QSXWRXWSXW
SDOHWWH
7KHWUDQVPLVVLRQRIGDWDEHWZHHQDFRPSXWHUDQGD
GHYLFH $VHWRIORJLFDOSHQVGHILQHGE\FRORUDQGZLGWK

LQNFDUWULGJH 3-/
7KHSDUWRIWKH+31RVXSSOLHVZKLFKFRQWDLQVDOO 3ULQWHU-RE/DQJXDJH$SURJUDPPLQJODQJXDJHWKDW
WKHLQNXVHGLQWKHSULQWHU7KH\DUHLQVWDOOHGLQWRWKH FRQWUROVMREVJRLQJWRDSULQWHU
SULQWHURQWKHOHIWVLGH
30/
LQNHGDUHD 3ULQWHU0DQDJHPHQW/DQJXDJH
7KHVPDOOHVWUHFWDQJOHWKDWFRQWDLQVDOOWKHFRQWHQWRI
SDUDOOHOLQWHUIDFH
WKHGUDZLQJZKLOHPDLQWDLQLQJLWVUHODWLYH
GLPHQVLRQV $W\SHRILQWHUIDFHEHWZHHQFRPSXWHUDQGGHYLFH
*HQHUDOO\IDVWHUWKDQDVHULDOLQWHUIDFH
,62VL]H
3$1721(
$QLQWHUQDWLRQDOVWDQGDUGSDSHUVL]HHJ$$
HWF 7KH3$1721(0$7&+,1*6<67(0ŠLVDQ
LQWHUQDWLRQDOVWDQGDUGIRUFRORUFRPPXQLFDWLRQLQ
-,6VL]H WKHJUDSKLFVDUWLQGXVWU\
$-DSDQHVHVWDQGDUGSDSHUVL]H
SHQ
/$1 (YHQWKRXJKWKHSULQWHUKDVQRSK\VLFDOSHQVWKH
/RFDODUHDQHWZRUN OLQHVLWGUDZVPDWFKWKHDWWULEXWHVRIDSHQ

ORQJD[LVSULQWLQJ SODWHQ
3ULQWLQJDSDJHZKHQWKHOHQJWKLVORQJHUWKDQD 7KHH[WHULRUSDUWRIWKHSULQWHURQZKLFKWKHSDSHU
VWDQGDUGSDJHVL]H UHVWVEHIRUHJRLQJLQWRWKHSULQWHU

PDUJLQ SULQWKHDG
7KHVSDFHDURXQGWKHSDJHDGGHGE\WKHSULQWHUWR 7KHSULQWKHDGLVLQVWDOOHGLQWRWKHFDUULDJHDVVHPEO\
VHSDUDWHRQHSDJHIURPDQRWKHUDQGWRDYRLGSULQWLQJ ,WLVWKHSDUWZKLFKSULQWVWKHLQNRQWRWKHSDSHU
ULJKWWRWKHHGJHRIWKHSDSHU
SULQWKHDGFOHDQHU
0,20RGXODULQSXWRXWSXW 3DUWRIWKH+31RVXSSOLHVZKLFKHQVXUHVWKH
5HIHUVWRWKHSULQWHU
VQHWZRUNLQWHUIDFH SULQWKHDGLVUHDG\IRUSULQWLQJDWDOOWLPHVLWPDNHV
VXUHWKHSULQWKHDGVGRQRWGU\RXWZKHQWKH\DUHQRW
QHVWLQJ LQXVH7KHUHLVRQHSULQWKHDGFOHDQHUIRUHDFK
3ODFLQJWZRRUPRUHSDJHVVLGHE\VLGHRQUROOSDSHU SULQWKHDG

*
*ORVVDU\

SULQWLQJDUHD 520',00
3DJHVL]HPLQXVPDUJLQV $SK\VLFDOPRGXOHFRQWDLQLQJUHDGRQO\GDWDWKDW
FDQEHLQVWDOOHGLQWKHEDFNRIWKHSULQWHUWRSURYLGH
3RVW6FULSW XSJUDGHV
$VWDQGDUGSDJHPDUNXSODQJXDJHFRPPRQO\XVHG
E\JUDSKLFVDQGGHVNWRSSXEOLVKLQJVRIWZDUH VSLQGOH
DSSOLFDWLRQV 7KHURGZKLFKKROGVWKHUROORISDSHU

TXHXHLQJ SDSHUD[LV
3ODFLQJHDFKSULQWUHFHLYHGE\WKHGHYLFHLQWR 7KHYHUWLFDOD[LVDV\RXORRNDWWKHSULQWHUIURPWKH
PHPRU\IRUSURFHVVLQJZLWKRWKHUSULQWV IURQWLQZKLFKWKHSDSHUIHHGPRYHV

UDVWHU VFDQD[LV
$PHWKRGIRUGHILQLQJDQLPDJHLQWHUPVRIGRWV 7KHKRUL]RQWDOD[LVDV\RXORRNDWWKHSULQWHUIURP
UDWKHUWKDQOLQHV5DVWHUGDWDW\SLFDOO\QHHGVPRUH WKHIURQWLQZKLFKWKHSULQWFDUULDJHPRYHV
PHPRU\WKDQYHFWRUGDWD
VHUYLFHVWDWLRQ
UHVHDWLQJ 7KHSDUWRIWKHSULQWHUZKLFKVHUYLFHVWKHSULQWKHDGV
7KHDFWLRQRIUHPRYLQJWKHSULQWKHDGIURPWKH ,WNHHSVWKHSULQWKHDGVFOHDQDQGVWRSVWKHPIURP
SULQWKHDGFDUULDJHDQGWKHQLQVHUWLQJLWDJDLQ GU\LQJRXW

5*% VKRUWPHQX
5HGJUHHQDQGEOXH$VWDQGDUGFRORUPRGHO 7KHVHWWLQJLQWKHIURQWSDQHOZKLFKDOORZV\RXWRQRW
GLVSOD\SDUWVRIWKHPHQXVWUXFWXUHZKLFK\RXGRQRW
5,3 ZDQWWRVHH
5DVWHU,PDJH3URFHVVRU
WKURXJKSXW
57/ 5DVWHU7UDQVIHU/DQJXDJH 7KHTXDQWLW\RILQIRUPDWLRQSURFHVVHGE\WKH
2QHRI+HZOHWW3DFNDUG
VVWDQGDUGJUDSKLFV VRIWZDUH
ODQJXDJHVIRUSORWWHUVDQGSULQWHUV3URGXFHVUDVWHU
GDWD

*
*ORVVDU\

*
,QGH[


,QGH[ 

A Cancelling7-3 current configuration


accessories and supplies cancelling a page7-2 printing2-7
how to order13-17 cancelling the drying time7-3 viewing8-3
Accuracy5-8 Carriage Interconnect Wiper11-23 cutting track3-13
accuracy13-3 Choosing Paper  3-2 D
accuracy calibration8-4 cleaning11-26 declaration of conformity13-13
acoustic specifications13-5 cleaning the printer10-2 Disposal
action keys2-5 clipped images5-7 Printhead4-32
additional information, with rotation5-12 distorted prints11-34
configuration11-18 clipped print11-33 Draft6-13
adjusting page size5-4 color alignment drying time3-29
non-PostScript files5-6 troubleshooting9-9 cancelling7-2
PostScript files5-5 color and grayscale E
aligning the printheads9-16 switching between6-11 Ecological Specifications13-4
B color calibration electro-magnetic compatibility
banding9-1111-11 changing2-23 (EMC)13-9
color11-5 Color configuration problems11-17 EMC specifications13-5
media advance9-14 color images empty print11-32
media advance problems9-14 printing in monochrome6-10 environmental specifications13-4
printhead problems9-109-12 color output
F
solving problems9-109-12 calibrating 9-3 factory calibration
test pattern9-11 color quality test 9-9
restoring8-5
troubleshooting9-109-12 colors
features, ink system1-3
Best6-13 internal palettes6-3
fit to page5-14
black and white prints11-35 color-to-color alignment11-5
Front Panel2-2
blank print11-32 Combinations of Paper Type and
front panel2-2
blurred lines11-18 Print Quality Selection 3-6
action keys2-5
computer communication11-31
C obtaining roll paper information
configuration settings11-17
cables 3-8
Connections1-4
interface13-8 obtaining sheet paper
contents of image11-32
calibrating color output9-3 information3-9
controlling image quality9-112-1
calling HP11-41 status lights2-5

,
,QGH[

using2-1 HP-GL/2 configuration print8-2 internal prints


front panel menu structure2-13 HP-GL/2 palette2-12 HP-GL/2 palette2-12
front-panel message problems11-37 HP-GL/2 programming information image quality2-12
front-panel problems11-37 13-17 menu2-12
front-panel settings I service print2-12
changing8-3 I/O time-out setting usage report2-12
G changing8-8 L
getting support11-41 image content11-32 ligning9-16
graphics language image position11-32 line printing11-5
changing8-6 image quality loading a roll3-13
graphics language and networks8-7 controlling9-112-1 loading a sheet
grayscale and color problems11-5 which edge first3-25
switching between6-11 image quality print2-12 which side up3-25
H analyzing9-4 Long Axis Printing8-10
Hard Disk13-15 color alignment test9-9 Long Axis Printing Limitations8-10
hard drive upgrade8-9 overall9-11 long-axis print11-33
hardware interface test11-4 printing9-5 M
help11-41 Important Points about Paper Types maintaining your printer10-1
horizontal misalignment9-9 3-2 managing your prints7-1
How to Use the Print Quality Print9- Improving Throughput8-12 Manual Alignment3-18
4 incorrect printing area11-34 margins5-3
HP No.80 Supplies1-34-2 incorrect prints11-36 adjusting5-9
Information4-15 incorrectly positioned media11-20 marks or scratches on glossy paper
ink cartridge installation4-20 ink bleeds11-18 11-18
ink cartridge removal4-17 ink cartridge removal4-17 material safety data sheet (MSDS)
ink cartridge status messages ink emulation mode 13-9
LQNFDUWULGJHVWDWXVPHVVDJHV selecting9-2 Maximum5-8
4-8 Ink Limiting9-2 media
ink cartridges4-2 Ink system Menu Structure4-12 caring for3-7
Ink System Menu Structure 4- ink system problems11-29 incorrectly positioned11-20
12 inked area5-3 misaligned11-20
printhead cleaner installation4- installing position and content11-5
32 ink cartridge4-20 supported types3-3
printhead cleaner removal4-29 printhead4-26 unused3-7
printhead cleaners4-3 printhead cleaner4-32 media handling problems11-20
printhead installation4-26 roll paper3-10 media jam11-30
printhead removal4-22 Installing a hard drive8-9 media problems11-17
printhead status messages4-9 installing paper3-10 handling11-20
printheads4-2 interface cables13-8 roll11-20
Problems11-21 Interface Specifications13-8 sheet11-20
HP RTL programming information internal palettes6-3 media types
13-17 internal print combinations with print quality
HP support services11-41 HP-GL/2 configuration8-2 3-6
HP-GL/2 Configuration print2-12 internal print files11-36 physical characteristics3-5
Internal Prints2-12

,
,QGH[

supported3-3 Nozzle Defects9-8 Types3-5
memory1-5 Nozzle Print Test9-7 physical specifications13-3
memory problems11-38 O position of image11-32
memory specifications13-3 Optimized5-8 PostScript files
memory upgrades8-9 ordering accessories13-14 adjusting page size5-5
Menu graphics used in the manual2- overlapping lines PostScript scaling5-14
30 changing treatment of6-9 fit to page5-14
menu print2-12 overlaying images11-34 PostScript Upgrade8-9
printing2-10 P PostScript Upgrade Kit13-14
menu system Page Accuracy5-8 power isolation switch1-11
entering2-8 page format11-36 power specifications13-3
navigation examples2-20 inked area5-3 print appearance
merge6-9 margins5-3 controlling6-2
mirror images page size5-2 print clipped11-33
printing5-13 page size5-2 print quality
misaligned media11-20 adjusting5-4 changing6-14
miscellaneous problems11-39 and clipped images5-7 combinations with media types
N and nesting5-7 3-6
navigating the menu system2-19 palettes printing speeds and print quality
navigation examples changing colors6-3 6-12
changing color calibration changing pen width6-3 settings6-13
setting2-23 changing settings6-7 print resolution1-3
menu system2-20 colors available for6-6 print size11-38
nest problems11-40 internal6-3 Printable Area13-7
nesting7-10 selecting6-4 printer
and automatic rotation7-11 viewing current settings 6-4 6- cleaning10-2
and page size5-7 56-76-9 front view1-7
and rotation7-12 Paper1-4 maintaining10-1
choosing the method7-14 installing3-10 rear view1-7
if queueing off7-14 loading a roll of paper using the storing and moving10-5
pages qualifying for7-13 manual alignment printer configuration11-5
pages which cannot be rotated procedure3-18 printer features1-2
7-12 obtaining roll paper information Printer Power Specifications13-3
setting the space7-16 3-8 printer setup menu system2-8
turning on or off7-14 obtaining sheet paper printer specifications13-2
wait time7-15 information3-9 printer speed11-40
when used7-12 sheet paper3-25 printer usagel10-3
nesting pages7-10 Sheet paper loading3-25 Printhead
network interface unloading3-23 Disposal4-32
changing settings8-8 which side?3-25 printhead cleaner disposal4-32
networks and graphics language8-7 partial print11-32 printhead removal4-22
non-PostScript files pen widths printhead status messages4-9
adjusting page size5-6 changing6-3 printheads
Normal6-13 Physical Characteristics of Paper servicing9-16
normal printer use10-3 printing

,
,QGH[

current configuration2-7 reseating problems11-21 stacking media3-7


menu print2-10 roll media problems11-20 Starting up your printer 1-9
mirror images5-13 rotate11-36 status lights2-5
monochrome6-10 rotate print incorrect11-34 storing and moving your printer10-5
printing area5-3 rotating images5-10 supplies and accessories
printing area specifications13-7 interaction with software5-10 how to order13-17
Printing the Current Configuration non-PostScript files5-12 supported media types3-3
2-7 with clipped images5-12 switching between color and
Printing the Menus2-10 S grayscale6-11
prints safety specifications13-5 Switching Off1-10
managing7-1 scaling Switching On1-9
problem solving11-3 fit to page5-14 system error11-38
Problems with Color-to-Color printed images5-14 T
Alignment11-9 service print2-12 test the printer11-4
Problems with printing lines11-8 sheet media problems11-20 The Ink System Menu Structure 4-
Problems with Stepped Lines11-7 software applications1-5 12
problems, miscellaneous11-39 Solving Image-Quality Problems troubleshooting11-5
programming information 11-5 color alignment9-9
HP RTL13-17 specifications13-4 communication problems11-31
HP-GL/213-17 acoustic13-5 ink system problems11-29
PS scale option5-14 EMC13-5 media problems11-20
Q environmental13-4 rotation11-34
queue7-4 functional13-2 U
deleting a job from7-8 margins13-3 unloading paper3-23
identifying a page in7-7 media sizes13-2 unused media3-7
making copies of a page in7-9 media types13-2 upgrading1-5
managing7-4 memory13-3 upgrading memory8-9
page position in7-7 operational13-4 usage report print2-12
printing a waiting file7-6 parallel (Bi-Tronics/Centronics) User Interface1-4
prioritizing a job in7-8 interface13-8 V
viewing the size of a page in7-8 physical13-3 vertical misalignment9-9
R power13-3
W
recalibrating the printer8-4 printer 13-2 warped lines11-18
regulatory notices13-9 printing area13-7
warped media11-18
programming languages
removing What are HP No.80 Supplies?4-2
ink cartridge4-17 supported  13-3
where to find informationiii
printhead4-22 resolution by print quality
printhead cleaner4-29 setting13-3
roll of paper3-23 safety  13-5
sheet paper3-28 Speed and Print Quality6-12

,
,IPDLOLQJWRWKHDGGUHVV
3OHDVH*LYH8V<RXU)HHGEDFN LQWKH86$ VHHRYHU ILOO

RQWKH4XDOLW\RI7KLV'RFXPHQWDWLRQ RXWWKLVVKHHW


1DPH ,IPDLOLQJWRWKHDGGUHVVLQ
6SDLQILOORXWWKHRWKHU
VKHHW
-RE7LWOH

2UJDQL]DWLRQ
$OWHUQDWLYHO\\RXFDQID[WKLV
$GGUHVV IRUPWR
86$  
$WWQ+3'HVLJQ-HW0DUNHWLQJ
'HSWRU
6SDLQ  
3KRQH $WWQ/HDUQLQJ3URGXFWV'HSW

3OHDVHFLUFOHWKHDSSURSULDWHVFRUH 3RRU ([FHOOHQW

2YHUDOOHDVHRIXVH     

8VHRIODQJXDJH     

8VHRIJUDSKLFV     

3OHDVHH[SODLQDQ\ORZVFRUH

$Q\RWKHUFRPPHQWVFRQHUQLQJWKHGRFXPHQWDWLRQDFFRPSDQ\LQJWKLVSURGXFW

&

7KDQN\RX
$Q\FRPPHQWV"

)ROGKHUHDQGWKHQVWDSOHRUWDSHWKHHQGVWRJHWKHU

123267$*(
1(&(66$5<
,)0$,/('
,17+(
81,7('67$7(6

%86,1(665(3/<0$,/
),567&/$660$,/3(50,7126$1',(*2&$

3267$*(:,//%(3$,'%<$''5(66((

+3'HVLJQ-HW0DUNHWLQJ&HQWHU
+HZOHWW3DFNDUG&RPSDQ\
%XLOGLQJ
:HVW%HUQDGR'ULYH
6DQ'LHJR&$
86$


7KDQN\RX
,IPDLOLQJWRWKHDGGUHVV
3OHDVH*LYH8V<RXU)HHGEDFN LQ6SDLQ VHHRYHU ILOO

RQWKH4XDOLW\RI7KLV'RFXPHQWDWLRQ RXWWKLVVKHHW


1DPH ,IPDLOLQJWRWKHDGGUHVVLQ
WKH86$ILOORXWWKHRWKHU
VKHHW
-RE7LWOH

2UJDQL]DWLRQ
$OWHUQDWLYHO\\RXFDQID[WKLV
$GGUHVV IRUPWR
86$  
$WWQ+3'HVLJQ-HW0DUNHWLQJ
'HSWRU
6SDLQ  
3KRQH $WWQ/HDUQLQJ3URGXFWV'HSW

3OHDVHFLUFOHWKHDSSURSULDWHVFRUH 3RRU ([FHOOHQW

2YHUDOOHDVHRIXVH     

8VHRIODQJXDJH     

8VHRIJUDSKLFV     

3OHDVHH[SODLQDQ\ORZVFRUH

$Q\RWKHUFRPPHQWVFRQHUQLQJWKHGRFXPHQWDWLRQDFFRPSDQ\LQJWKLVSURGXFW

&

7KDQN\RX
$Q\FRPPHQWV"

)ROGKHUHDQGWKHQVWDSOHRUWDSHWKHHQGVWRJHWKHU

+HZOHWW3DFNDUG&RPSDQ\
%DUFHORQD'LYLVLRQ
$WWQ/HDUQLQJ3URGXFWV'HSW
$YGD*UDHOOV
6DQW&XJDWGHO9DOOqV
6SDLQ


+HZOHWW3DFNDUG/LPLWHG:DUUDQW\6WDWHPHQW
+33URGXFW ZDUUDQW\SHULRGQRWLFHRID  727+((;7(17 OLPLWDWLRQVRQWKH
'XUDWLRQRI/LPLWHG:DUUDQW\ GHIHFWLQDQ\KDUGZDUHSURGXFW $//2:('%</2&$//$: GXUDWLRQRILPSOLHG
ZKLFKLVFRYHUHGE\+3¶V (;&(37)257+( ZDUUDQWLHV
6RIWZDUH'D\V ZDUUDQW\+3VKDOOHLWKHUUHSDLURU 2%/,*$7,216
UHSODFHWKHGHIHFWLYHSURGXFWDW 63(&,),&$//<6(7)257+  )25&21680(5
,QN&DUWULGJHV'D\V
+3¶VRSWLRQ ,17+,6:$55$17< 75$16$&7,216,1

3ULQWKHDGV'D\V 67$7(0(17,112(9(17 $8675$/,$$1'1(:


 ,I+3LVXQDEOHWRUHSDLURU
6+$//+325,767+,5' =($/$1'7+(7(506,1
UHSODFHDVDSSOLFDEOHDGHIHFWLYH
3ULQWHUDQG5HODWHG+3 3$57<6833/,(56%( 7+,6:$55$17<
SURGXFWZKLFKLVFRYHUHGE\+3¶V
+DUGZDUH<HDU /,$%/()25',5(&7 67$7(0(17(;&(3772
ZDUUDQW\+3VKDOOZLWKLQD
,1',5(&763(&,$/ 7+((;7(17/$:)8//<

$([WHQWRI/LPLWHG
UHDVRQDEOHWLPHDIWHUEHLQJ
,1&,'(17$/25 3(50,77(''2127
QRWLILHGRIWKHGHIHFWUHIXQGWKH
&216(48(17,$/ (;&/8'(5(675,&725

:DUUDQW\ SXUFKDVHSULFHIRUWKHSURGXFW
'$0$*(6:+(7+(5
%$6('21&2175$&7
02',)<$1'$5(,1
$'',7,21727+(
 +3VKDOOKDYHQRREOLJDWLRQWR
UHSDLUUHSODFHRUUHIXQGXQWLOWKH 725725$1<27+(5 0$1'$725<67$78725<
 +HZOHWW3DFNDUG +3 
FXVWRPHUUHWXUQVWKHGHIHFWLYH /(*$/7+(25<$1' 5,*+76$33/,&$%/(72
ZDUUDQWVWRWKHHQGXVHUFXVWRPHU
SURGXFWWR+3 :+(7+(5$'9,6('2)7+( 7+(6$/(2)+3352'8&76
WKDWWKH+3SURGXFWVVSHFLILHG
3266,%,/,7<2)68&+ 7268&+&86720(56
DERYHZLOOEHIUHHIURPGHIHFWVLQ  $Q\UHSODFHPHQWSURGXFWPD\ '$0$*(6 5HYLVLRQ0D\WK
PDWHULDOVDQGZRUNPDQVKLSIRU EHHLWKHUQHZRUOLNHQHZ
WKHGXUDWLRQVSHFLILHGDERYH
ZKLFKGXUDWLRQEHJLQVRQWKHGDWH
SURYLGHGWKDWLWKDVIXQFWLRQDOLW\
DWOHDVWHTXDOWRWKDWRIWKH
'/RFDO/DZ $ERXWWKLVHGLWLRQ
RISXUFKDVHE\WKHFXVWRPHU SURGXFWEHLQJUHSODFHG
&XVWRPHULVUHVSRQVLEOHIRU  7RWKHH[WHQWDOORZHGE\ORFDO
(GLWLRQGDWHVDUHDVIROORZV
PDLQWDLQLQJSURRIRIGDWHRI  +3SURGXFWVPD\FRQWDLQ ODZWKHUHPHGLHVSURYLGHGLQWKLV
SXUFKDVH UHPDQXIDFWXUHGSDUWVRU :DUUDQW\6WDWHPHQWDUHWKH )LUVWHGLWLRQ-XO\
FRPSRQHQWVHTXLYDOHQWWRQHZLQ FXVWRPHU¶VVROHDQGH[FOXVLYH 1HZHGLWLRQVDUHFRPSOHWH
 )RUVRIWZDUHSURGXFWV+3¶V SHUIRUPDQFHRUPD\KDYHEHHQ UHPHGLHV
OLPLWHGZDUUDQW\DSSOLHVRQO\WRD UHYLVLRQVRIWKHPDQXDO&KDQJH
VXEMHFWWRLQFLGHQWDOXVH
IDLOXUHWRH[HFXWHSURJUDPPLQJ  7KLV:DUUDQW\6WDWHPHQWJLYHV VKHHWVZKLFKPD\EHLVVXHG
LQVWUXFWLRQV+3GRHVQRWZDUUDQW  +3¶VOLPLWHGZDUUDQW\LV WKHFXVWRPHUVSHFLILFOHJDOULJKWV EHWZHHQHGLWLRQVFRQWDLQ
WKDWWKHRSHUDWLRQRIDQ\SURGXFW YDOLGLQDQ\FRXQWU\ZKHUHWKH 7KHFXVWRPHUPD\DOVRKDYH DGGLWLRQDOLQIRUPDWLRQ7KHGDWHV
ZLOOEHXQLQWHUUXSWHGRUHUURU FRYHUHG+3SURGXFWLVGLVWULEXWHG RWKHUULJKWVZKLFKYDU\IURPVWDWH
RQWKHWLWOHSDJHFKDQJHRQO\
IUHH E\+3H[FHSWIRUWKH0LGGOH WRVWDWHLQWKH8QLWHG6WDWHVIURP
ZKHQDQHZHGLWLRQLVSXEOLVKHG
(DVW$IULFD$UJHQWLQD%UD]LO SURYLQFHWRSURYLQFHLQ&DQDGD
 +3¶VOLPLWHGZDUUDQW\FRYHUV 0H[LFR9HQH]XHODDQG)UDQFH¶V DQGIURPFRXQWU\WRFRXQWU\ 0LQRUFRUUHFWLRQVWKDWGRQRW
RQO\WKRVHGHIHFWVZKLFKDULVHDV ³'HSDUWPHQWV'¶2XWUH0HU´IRU HOVHZKHUHLQWKHZRUOG DIIHFWWKHIXQFWLRQRIWKHSURGXFW
DUHVXOWRIQRUPDOXVHRIWKH WKRVHH[FHSWHGDUHDVWKH PD\EHPDGHDWUHSULQWZLWKRXWD
SURGXFWDQGGRQRWDSSO\WRDQ\  7RWKHH[WHQWWKDWWKLV
ZDUUDQW\LVYDOLGRQO\LQWKH FKDQJHWRWKHSULQWGDWH
:DUUDQW\6WDWHPHQWLV
D ,PSURSHURULQDGHTXDWH FRXQWU\RISXUFKDVH&RQWUDFWV
LQFRQVLVWHQWZLWKORFDOODZWKLV 0DQ\SURGXFWXSGDWHVDQGIL[HV
PDLQWHQDQFHRU IRUDGGLWLRQDOZDUUDQW\VHUYLFHV
:DUUDQW\6WDWHPHQWVKDOOEH GRQRWUHTXLUHPDQXDOFKDQJHV
PRGLILFDWLRQ VXFKDVRQVLWHVHUYLFHPD\EH
GHHPHGPRGLILHGWREHFRQVLVWHQW DQGFRQYHUVHO\PDQXDO
E 6RIWZDUHLQWHUIDFLQJ DYDLODEOHIRUDQ\DXWKRUL]HG+3
ZLWKVXFKORFDOODZ8QGHUVXFK
VHUYLFHIDFLOLW\ZKHUHWKHOLVWHG FRUUHFWLRQVPD\EHGRQHZLWKRXW
PHGLDSDUWVRUVXSSOLHV ORFDOODZFHUWDLQGLVFODLPHUVDQG
+3SURGXFWLVGLVWULEXWHGE\+3 DFFRPSDQ\LQJSURGXFWFKDQJHV
QRWSURYLGHGRUVXSSRUWHG OLPLWDWLRQVRIWKLV:DUUDQW\
RUDQDXWKRUL]HGLPSRUWHU 7KHUHIRUHGRQRWH[SHFWDRQHWR
E\+3RU 6WDWHPHQWPD\QRWDSSO\WRWKH

F 2SHUDWLRQRXWVLGHWKH %/LPLWDWLRQVRI FXVWRPHU)RUH[DPSOHVRPH


VWDWHVLQWKH8QLWHG6WDWHVDVZHOO
RQHFRUUHVSRQGHQFHEHWZHHQ
SURGXFWXSGDWHVDQGPDQXDO
SURGXFW¶VVSHFLILFDWLRQV
:DUUDQW\ DVVRPHJRYHUQPHQWVRXWVLGHWKH
8QLWHG6WDWHV LQFOXGLQJ
UHYLVLRQV

 )RU+3SULQWHUSURGXFWVWKH
SURYLQFHVLQ&DQDGD PD\
XVHRIDQRQ+3LQNFDUWULGJHRUD  727+((;7(17
UHILOOHGLQNFDUWULGJHGRHVQRW $//2:('%</2&$//$: D 3UHFOXGHWKHGLVFODLPHUV
DIIHFWHLWKHUWKHZDUUDQW\WRWKH 1(,7+(5+3125,767+,5' DQGOLPLWDWLRQVLQWKLV
FXVWRPHURUDQ\+3VXSSRUW 3$57<6833/,(560$.( :DUUDQW\6WDWHPHQWIURP
FRQWUDFWZLWKWKHFXVWRPHU $1<27+(5:$55$17<25 OLPLWLQJWKHVWDWXWRU\
+RZHYHULISULQWHUIDLOXUHRU &21',7,212)$1<.,1' ULJKWVRIDFRQVXPHU HJ
GDPDJHLVDWWULEXWDEOHWRWKHXVH :+(7+(5(;35(6625 WKH8QLWHG.LQJGRP 
RIDQRQ+3RUUHILOOHGLQN ,03/,(':,7+5(63(&772 E 2WKHUZLVHUHVWULFWWKH
FDUWULGJH+3ZLOOFKDUJHLWV 7+(+3352'8&76$1' DELOLW\RIDPDQXIDFWXUHU
VWDQGDUGWLPHDQGPDWHULDOV 63(&,),&$//<',6&/$,0 WRHQIRUFHVXFK
FKDUJHVWRVHUYLFHWKHSULQWHUIRU 7+(,03/,(':$55$17,(6
GLVFODLPHUVRUOLPLWDWLRQV
WKHSDUWLFXODUIDLOXUHRUGDPDJH 25&21',7,2162)
RU
0(5&+$17$%,/,7<
 ,I+3UHFHLYHVGXULQJWKH
6$7,6)$&725<48$/,7< F *UDQWWKHFXVWRPHU
DSSOLFDEOHZDUUDQW\SHULRG
$1'),71(66)25$ DGGLWLRQDOZDUUDQW\
QRWLFHRIDGHIHFWLQDQ\VRIWZDUH
3$57,&8/$5385326( ULJKWVVSHFLI\WKH
PHGLDRULQNFDUWULGJHSURGXFW
ZKLFKLVFRYHUHGE\+3¶V
ZDUUDQW\+3VKDOOUHSODFHWKH
&/LPLWDWLRQVRI GXUDWLRQRILPSOLHG
ZDUUDQWLHVZKLFKWKH
GHIHFWLYHSURGXFW,I+3
UHFHLYHVGXULQJWKHDSSOLFDEOH
/LDELOLW\ PDQXIDFWXUHUFDQQRW
GLVFODLPRUQRWDOORZ

)RUVXSSRUWGHWDLOVVHHWKHVHFWLRQ³*HWWLQJ+HOS´LQFKDSWHU
+HZOHWW3DFNDUG/LPLWHG:DUUDQW\6WDWHPHQW

YL


0DQXDO3DUW1XPEHU&
(GLWLRQ1RYHPEHU
(QJOLVK
3ULQWHGLQ(XURSH

7KLVPDQXDOKDVEHHQSULQWHGRQFKORULQHIUHHSDSHU

You might also like