Page 5 - KHSKRQHDWJODQFH
7KHSKRQHDWJODQFH /(' &DOODQG EDWWHU\FKDUJH LQGLFDWRU 5HWUDFWDEOH DQWHQQD ([WHQGWKH DQWHQQDIXOO\ ZKHQPDNLQJ RUUHFHLYLQJD FDOO (DUSLHFH *UDSKLFGLVSOD\ 7HOHSKRQH QXPEHUVPHQXV PHVVDJHVHWFDUH GLVSOD\HGKHUH /HIWVRIWNH\ 5LJKWVRIWNH\ 0XOWL IXQFWLRQ NH\ &DOO6(1'NH\ 'LDOVGLVSOD\HG QXPEHURUQDPH DQGDQVZ...
Page 7 - DEOHRIFRQWHQWV
8VLQJWKLVJXLGH *HWWLQJVWDUWHG 3UHSDULQJWRPDNH\RXU ILUVWFDOOV %DVLFRSHUDWLRQV 6DIHW\LQIRUPDWLRQ 9HKLFOHVDIHW\ &DUHDQGPDLQWHQDQFH <RXUUHVSRQVLELOLW\ 6HFXULW\FRGHV &RGHVXSSOLHGE\WKH DLUWLPHVHUYLFHSURYLGHU &RGHVXSSOLHGE\WKH PDQXIDFWXUHU (PHUJHQF\FDOOV 'LVSRVLQJRIZDVWH SDFNDJLQJ 3UHSDULQJW...
Page 8 - VLQJWKLVJXLGH; IHDWXUHVSOHDVHFRQVXOWZLWK\RXUVHUYLFHSURYLGHU; VLQJWKHNH\VWRIROORZWKHDFWLRQVGHVFULEHGLQWKLVJXLGH; FKDUDFWHUVSOXVRQHURZRIVSHFLDOGLVSOD\LQGLFDWRUVRULFRQV
8VLQJWKLVJXLGH 3OHDVHWDNHWLPHWRUHDGWKLVXVHUJXLGH,WFRQWDLQVDORWRIXVHIXOLQIRUPDWLRQ DERXW\RXUSKRQHDQGWKHZD\WKDWLWRSHUDWHVRQWKHQHWZRUN7KH*60QHW ZRUNLVQRZZRUOGZLGHDQGDOORZV\RXWRPDNHDQGUHFHLYHFDOOVWRDQGIURP RWKHUFRXQWULHVFDOOHGURDPLQJDVLI\RXZHUHLQ\RXUKRPHFRXQWU\6RPH IHDWXUHVLQFOXGHGLQWKLVJXLGHDUHFDOOHGQH...
Page 10 - VWHSV; UHSDULQJWRPDNH\RXUILUVWFDOOV; QSDFNWKHSKRQHDQGLQVHUWWKH6,0FDUGLQWRWKHKROGHU
*HWWLQJVWDUWHG ,QRUGHUWREHFRPHIDPLOLDUZLWKWKHSKRQHVWUDLJKWDZD\IROORZWKHVHVLPSOH VWHSV 3UHSDULQJWRPDNH\RXUILUVWFDOOV ,QVHUWLQJWKH6,0FDUG 8QSDFNWKHSKRQHDQGLQVHUWWKH6,0FDUGLQWRWKHKROGHU ,IWKH6,0FDUGKDVEHHQLQVHUWHGWKHZURQJZD\URXQGRULVGDPDJHG &KHFN 6,0 ZLOOEHGLVSOD\HG5HPRYHWKH6,0FDUGFKHFNWKDWLWLVWKHU...
Page 11 - XUQLQJRQWKHSKRQH
)LWWLQJWKHEDWWHU\ &RQQHFWWKHEDWWHU\DVVKRZQEHORZ %DVLFRSHUDWLRQV 7XUQLQJRQWKHSKRQH $QDQLPDWHGSRZHURQVFUHHQLFRQZLOOEHGLVSOD\HG 6WDQGE\GLVSOD\ 7KLVLVIROORZHGE\DUHJLVWUDWLRQWRQHDIWHUZKLFKWKHQDPHRIWKH QHWZRUNDQGRUVHUYLFHSURYLGHUZLOOEHGLVSOD\HGWRJHWKHUZLWKWKH WLPHDQGGDWHVLJQDODQGEDWWHU\OHYHOLQGLFDWRUV...
Page 12 - HWWLQJV
7KLVLVWKHQRUPDOVWDQGE\GLVSOD\ 0DNLQJDFDOO :KHQWKHFDOOLVFRQQHFWHGWKHFRQYHUVDWLRQZLOOEHKHDUGLQWKHHDU SLHFHDQGDFDOOWLPHUZLOOEHGLVSOD\HG ([WHQGLQJWKHDQWHQQD 3XOOXSWKHDQWHQQD XQWLO\RXKHDUD FOLFN )RUEHVWUHVXOWVXVH WKHDQWHQQDIXOO\ H[WHQGHGZKHQ PDNLQJRUUHFHLYLQJ FDOOV 5HFHLYLQJDFDOO :KHQDFDOOLVUHFHLYHGWKHSK...
Page 16 - 'LVSRVLQJRIZDVWHSDFNDJLQJ
7KH38.FRGHLVUHTXLUHGWRXQEORFNWKH3,1FRGH &RGHVXSSOLHGE\WKHDLUWLPHVHUYLFHSURYLGHU &DOOEDUULQJSDVVZRUGGLJLWV 7KLVSDVVZRUGLVXVHGWREDUYDULRXVW\SHVRIFDOOVPDGHRUUHFHLYHG IURPWKHSKRQH6HHSDJHIRUPRUHGHWDLOV &RGHVXSSOLHGE\WKHPDQXIDFWXUHU 3KRQHORFNFRGHGLJLWV 7KLVFRGHLVVHWWRDOO]HURVRQGHOLYHU\DQGLVXVH...
Page 17 - UHSDULQJWKHSKRQHIRURSHUDWLRQ; FDUGKROGHU; HPRYLQJ; HSDULQJWKHSKRQHIRURSHUDWLRQ
3UHSDULQJWKHSKRQHIRURSHUDWLRQ 6,0FDUG %HIRUH\RXFDQXVH\RXUSKRQHDYDOLG6,0FDUGPXVWEHLQVHUWHGLQWRWKH6,0 FDUGKROGHU ,ID6,0FDUGLVQRWLQVHUWHGRULQVHUWHGLQFRUUHFWO\ &KHFN6,0 ZLOOEHGLV SOD\HGZKHQWKHSKRQHLVWXUQHGRQ )LWWLQJ 6HH´,QVHUWLQJWKH6,0FDUG µSDJH 5HPRYLQJ 7XUQRIIWKHSKRQH2SHQWKHSURWHFWLYHUXEEHUFDS3XVK...
Page 18 - XQWLOWKHEDWWHU\FDWFKFOLFNVVKXW; WKHSKRQH5HOHDVHWKHFDWFK
%DWWHU\ )LWWLQJ &RQQHFWWKHEDWWHU\DVVKRZQEHORZ 5HPRYLQJ 3RVLWLRQWKHEDWWHU\RQWRWKHSKRQHDVVKRZQ3XVKGRZQWKHRSSRVLWHHQGRIWKHEDWWHU\RQWRWKHSKRQH XQWLOWKHEDWWHU\FDWFKFOLFNVVKXW &KHFNWKHEDWWHU\LVVHFXUHO\LQSODFH ,IWKHUHLVQRWHQRXJKFKDUJHLQWKHEDWWHU\WRSRZHUWKHSKRQHIROORZWKHLQVWUXFWLRQVIRUEDWWHU\ FKDUJL...
Page 22 - DQGWXUQLQJRIIWKHSKRQH
%DVLFRSHUDWLRQV 7XUQLQJRQWKHSKRQHWKHVWDQGE\GLVSOD\ DQGWXUQLQJRIIWKHSKRQH 7XUQLQJRQWKHSKRQH $GLVSOD\SRZHURQDQLPDWLRQZLOOEHEULHIO\VKRZQ7KLVLV IROORZHGE\DUHJLVWUDWLRQWRQHDIWHUZKLFKWKHQDPHRIWKH QHWZRUNDQGRUVHUYLFHSURYLGHUZLOOEHGLVSOD\HGWRJHWKHUZLWK WKHWLPHDQGGDWHVLJQDODQGEDWWHU\OHYHOLQGLFDWRUVDQGWKH 1DP...
Page 23 - XUQLQJRIIWKHSKRQH; DNLQJDQGUHFHLYLQJFDOOV; DNLQJFDOOV
1DPHV 3UHVVLQJ 1DPHV LQWKHVWDQGE\GLVSOD\JLYHV\RXGLUHFWDFFHVVWR DOO\RXUVWRUHGSKRQHERRNHQWULHVZLWKDOOWKHVDPHIXQFWLRQVDV ZKHQDFFHVVLQJWKH3KRQH%RRNIURPWKHPDLQPHQX .H\SDGORFN :KHQDFWLYDWHGWXUQHGRQNH\SDGORFNSUHYHQWVDFFLGHQWDOFDOOVRU DFWLRQVEHLQJPDGHE\XVHUZKHQWKHSKRQHLVFDUULHGLQDSRFNHW EULHIFDVHRUKDQGEDJ:K...
Page 24 - RWDOORZHGIL[HGGLDOOLQJ; ,QWHUQDWLRQDOGLDOOLQJFRGHV
,QWHUQDWLRQDOFDOOVPXVWEHSUHIL[HGZLWKHLWKHURUWKH V\PERODQGWKHFRXQWU\FRGHIROORZHGE\WKHQXPEHU7RHQWHU WKHV\PEROEHIRUHDQXPEHUSUHVVDQGKROGGRZQ 6HH´,QWHUQDWLRQDOGLDOOLQJFRGHV µEHORZLI\RXGRQWNQRZWKH FRGHIRUWKHFRXQWU\\RXZLVKWRFDOO $PD[LPXPRIGLJLWVFDQEHHQWHUHG&RUUHFWDQ\PLVWDNHVE\ SUHVVLQJ &OHDU +ROGLQ...
Page 25 - HFHLYLQJFDOOV; WKH9LEUDWHRSWLRQVQRDXGLEOHVRXQGZLOOEHKHDUGVHHSDJHRQ
7KHFDOOWLPHUZLOOVWRSDQG ZLOOGLVDSSHDU:DLWLQJDIHZ VHFRQGVRUSUHVVLQJ ([LW ZLOOUHWXUQWRWKHVWDQGE\GLVSOD\ 1%FORVLQJWKHIOLSGRHVQRWHQGDFDOO 5HFHLYLQJFDOOV :KHQDFDOOLVUHFHLYHGWKHSKRQHZLOOULQJ7KH/('RQWKHWRSRIWKH SKRQHZLOOIODVKJUHHQWKHEDFNOLJKWZLOOFRPHRQDQGWKHIODVKLQJ ZLOOEHVKRZQ,IWKHULQJWRQHYROXPHLVVHWWR]HU...
Page 26 - HVVDJHV
8QDQVZHUHGFDOOYRLFHPDLODQGQHZ606 PHVVDJHLQGLFDWRUV ,IDQ\UHFHLYHGFDOOVUHPDLQXQDQVZHUHG ZLOOEHGLVSOD\HG3UHVV 5HDG WRYLHZWKHFDOOHUV QXPEHUVLIDYDLODEOHDQGWKHGDWHDQGWLPHWKH FDOOZDVUHFHLYHG3UHVV WRFDOOWKHQXPEHU8QDQVZHUHGFDOOQXPEHUV ZLOOEHVWRUHGLQWKHXQDQVZHUHGFDOOVORJVHHSDJHIRUGHWDLOV :KHQ\RXUHFHLYHQRW...
Page 27 - QDQVZHUHG
*HQHUDORSHUDWLRQV 'LDOOLQJIURPPHPRU\ $Q\QXPEHUVWRUHGLQWKH6,0RUWKHSKRQHPHPRU\ZKLFKFDQEHUHFDOOHG WRWKHGLVSOD\FDQEHGLDOOHG IURPWKHSKRQHERRN IURPWKHODVWGLDOOHGQXPEHUVOLVW 7KHODVWQXPEHUVGLDOOHGDUHVWRUHGLQWKHSKRQH IURPWKHFDOOVORJPHPRU\OLVW 7KHODVWQXPEHUVGLDOOHGWKHODVWXQDQVZHUHGFDOOQXPEHUVLI DYDLODEOHDQGWK...
Page 28 - XUQLQJRQ; LEUDWH
6SHHGGLDOOLQJ $Q\QXPEHUVWRUHGLQWKH6,0FDQEHDOORFDWHGWRWKHVSHHGGLDOOLQJNH\VRI %\GHIDXOW LVDOZD\VDOORFDWHGWRWKHYRLFHPDLOQXPEHU6HH SDJHRQKRZWRDOORFDWHQXPEHUVWRWKHVSHHGGLDOOLQJNH\V 9LEUDWHDOHUWPRGH 7RDYRLGGLVWXUELQJRWKHUV\RXFDQVLOHQFHWKHLQFRPLQJULQJDQGDOHUWWRQHV 7XUQLQJRQ LVVKRZQLQWKHGLVSOD\ZKHQWKLVIHDWX...
Page 30 - +ROGLQJDQGUHWULHYLQJDFDOO; KHDOWHUQDWLYHZD\WRKROGUHWULHYHDQGPDNHDVHFRQGFDOOGXULQJ; FRQIHUHQFHFDOOV; $FWLRQZKHQUHFHLYLQJDVHFRQGFDOO
,QFDOORSWLRQV +ROGLQJDQGUHWULHYLQJDFDOO 7RSXWDFDOORQKROGGXULQJFRQYHUVDWLRQ 7RUHWULHYHDFDOO 7RPDNHDVHFRQGFDOOZKHQRQHFDOOLVRQKROG 7KHDOWHUQDWLYHZD\WRKROGUHWULHYHDQGPDNHDVHFRQGFDOOGXULQJ FRQYHUVDWLRQLVWRXVH WRGLVSOD\DPHQXRIWKHIHDWXUHV GHVFULEHGDERYH6FUROOWRWKHUHTXLUHGIHDWXUHDQGSUHVV 6HOHFW VHHDOVR0XOWL...
Page 31 - XOWLSDUW\RUFRQIHUHQFHFDOOV; ULYDWHZLWK
FDOORQKROGRUSUHVV 5HMHFW WRUHMHFWWKHFDOODQGUHWXUQDEXV\ VLJQDOWRWKHFDOOHU3UHVV WRVZDSEHWZHHQWKHWZRFDOOV8VH DQG WRHQGRQHRUERWKRIWKHFDOOVDVGHVFULEHGDERYH 0XOWLSDUW\RUFRQIHUHQFHFDOOV 7KLVQHWZRUNGHSHQGHQWIHDWXUHJLYHV\RXWKHDELOLW\WRPDNHRUUH FHLYHEHWZHHQWRFDOOVDWWKHVDPHWLPHZLWKDOOSDUWLHVEHLQJDEOH WRKHDUDQG...
Page 32 - HQXPDS
7KHPHQX00,V\VWHP 7KHSKRQHFRQWDLQVPDQ\IXQFWLRQVDQGIHDWXUHVWKDWFDQEHHQVHHQDQG HQWHUHGWKURXJKWKHHDV\WRXVHPHQXV\VWHP 7KURXJK\RXU6,0FDUGWKHSKRQHLVDOVRDEOHWRGHWHFWDQGGLVSOD\LQWKH PHQXIHDWXUHVWKDWKDYHEHHQUHTXHVWHGIURP\RXUVHUYLFHSURYLGHUDVZHOO DVVXSSUHVVRQHVWKDWKDYHQRWEHHQVXEVFULEHGWRR $FFHVVWRWKHPHQXV )URP...
Page 33 - KHPHQX
7KHDYDLODELOLW\DQGDSSHDUDQFHRIWKHVHIHDWXUHVLQWKHPHQXDUHGHSHQGHQW XSRQ\RXUVXEVFULSWLRQDQGWKHVHUYLFHVSURYLGHGE\\RXUQHWZRUNRSHUDWRU *606HUYLFHV &DOOGLYHUWLQJ &DOOZDLWLQJ 6HQGLQJP\,' 5HFHLYLQJFDOOHU,' RU 1HWZRUN &DOOEDUULQJ &8* %URDGFDVW 2Q2II 0HVVDJHW\SHV $OHUW /DQJXDJH 6HWWL...
Page 35 - KH0XOWLWDS0XOWLSUHVVPHWKRG
7KH0XOWLWDS0XOWLSUHVVPHWKRG 7KLVLVWKHGHIDXOWPHWKRG $EULHISUHVVRQDQ\NH\ZLOOGLVSOD\WKHILUVWFKDUDFWHUDVVRFLDWHGZLWK WKDWNH\DVZHOODVVKRZDOOWKHRWKHUDYDLODEOHFKDUDFWHUVDWWKHWRS RIWKHGLVSOD\ 7RHQWHUWH[WRUDQXPEHUGLJLWSUHVVWKHNH\ZLWKWKHUHTXLUHG FKDUDFWHUUHSHDWHGO\XQWLOLWDSSHDUVLQWKHGLVSOD\ $ORQJSUHVVRQDQ\NH\...
Page 37 - HWZRUNVHUYLFHV; ,0DSSOLFDWLRQWRRONLW; HUYLFHV; RLFHPDLO; WRULQJDYRLFHPDLOFHQWUHQXPEHU
'HVFULSWLRQRIPHQXIXQFWLRQV IHDWXUHV 1HWZRUNVHUYLFHV <RXUQHWZRUNRSHUDWRUPD\SURYLGHYDOXHDGGHGVHUYLFHVDQGFRQWDFWSKRQH QXPEHUV7KHVHVHUYLFHVDQGSKRQHQXPEHUVZLOOEHVWRUHGLQ\RXU6,0DQG LIDYDLODEOHZLOOPRGLI\WKHPHQXRIWKHSKRQHWREHLQFOXGHGXQGHUWKHLWHP 1HWZRUN6HUY DWWKHEHJLQQLQJRIWKHPHQXFRQWDFW\RXUVHUYLFHSURYLG...
Page 38 - ,WLVDGYLVDEOHWRVWRUHQXPEHUVLQLQWHUQDWLRQDOIRUPDWXVLQJWKH
7XUQLQJRQRIIWKHYRLFHPDLODOHUWWRQH ,I\RXZLVKDWRQHWRVRXQGDOHUWLQJ\RXRIWKHUHFHLSWRIDYRLFHPDLO PHVVDJH &DOOLQJWKHYRLFHPDLOFHQWUHWRFKHFNIRUPHVVDJHV 7KHUHDUHWZRZD\V 7RGLDOWKHYRLFHPDLOFHQWUHGLUHFWO\DIWHUWKHUHFHLSWRIDPHVVDJH $OWHUQDWLYHO\ 'LDOOLQJZLOOSURFHHGDVIRUDQRUPDOFDOO 3KRQH%RRN 7KH6,0DQGWKHSKRQ...
Page 39 - KRQHQDPHV
'LUHFWO\IURPWKHVWDQGE\GLVSOD\ 8VLQJWKHPHQX )URPRWKHUVWRUHGORFDWLRQV 1XPEHUVVWRUHGLQWKHODVWGLDOOHGUHFHLYHGXQDQVZHUHGVFUDWFKSDG DQG606PHVVDJHORFDWLRQVFDQDOOEHVWRUHGLQWRWKHSKRQHERRN 7KHFKDUDFWHUV3SDXVHDQGBFDQEHVWRUHGWRJHWKHUZLWK QXPEHUV,IWKH6,0RUSKRQHVPHPRU\LVIXOODZDUQLQJPHVVDJHZLOO EHGLVSOD\HGZK...
Page 40 - ZQQXPEHUV
'LUHFWO\IURPWKHVWDQGE\GLVSOD\ 8VLQJWKHPHQX ,IQRLQLWLDOZDVHQWHUHGWKHGLVSOD\ZLOOVKRZWKHILUVWDOSKDEHW HQWU\LQWKHSKRQHERRN7KHOLVWRISKRQHERRNHQWULHVZLOOEHGLV SOD\HGLQDOSKDEHWLFDORUGHUWRJHWKHUZLWKWKHWHOHSKRQHQXPEHU DQGZKHWKHUVWRUHGLQWKH6,0RUWKHSKRQHPHPRU\ 3UHVVLQJ RU DQG ZLOOVFUROOWKURXJKWKHSKRQHERRN ...
Page 41 - KRQHERRNWRQHV
)L[HGGLDOOLQJQXPEHUV)'1 )L[HGGLDOOLQJLVDIHDWXUHWKDWUHVWULFWVRXWJRLQJFDOOVWRIL[HGQXP EHUVRUSUHIL[HVFRQWDLQHGLQ6,0VWKDWVXSSRUWWKLVIHDWXUH:KHQ WXUQHGRQGLDOOLQJQXPEHUVQRWLQWKH)'1OLVWZLOOQRWEHDOORZHG 7KHPD[LPXPQXPEHURI)'1QXPEHUVWKDWFDQEHVWRUHGLVGHSHQG HQWXSRQWKHFDSDFLW\RIWKH6,0&DOOGLYHUWLQJDQGVHQGLQJ...
Page 47 - %DODQFHLQIRUPDWLRQVXEVFULSWLRQVHUYLFHRQO\; QXPEHU
&DOOWLPHV 7KHGXUDWLRQWLPHRIWKHODVWFDOOWRWDODFFXPXODWHGWLPHRIDOOFDOOV DQGWRWDOWLPHIRU/LQHDQG/LQHDUHVWRUHG 7LPHVIRUFDOOVPDGHDQGUHFHLYHGWKURXJKWKHKRPHVXEVFULSWLRQ QHWZRUNDQGWKURXJKRWKHUQDWLRQDODQGLQWHUQDWLRQDOQHWZRUNVDUH GLVSOD\HGXQGHUWKH 'HWDLOV VXEPHQX 7KHFDOOW\SHDQGWKHDFFXPXODWHGWLPHVRIRXWJRLQJD...
Page 48 - &DOOFRVWVPDQDJHPHQWVXEVFULSWLRQVHUYLFHRQO\; HPLQGHU
5HPLQGHU&DOOGXUDWLRQ $FDOOGXUDWLRQUHPLQGHUEHHSVWRUHPLQG\RXRIWKHGXUDWLRQRIDFDOO ,WFDQEHVHWLQPXOWLSOHVRIPLQXWHPLQVLQWHUYDOV &DOOWLPHUUHVHW 7KLVIHDWXUHHQDEOHV\RXWRUHVHWDOOWKHFDOOWLPHUV<RXZLOOQHHGWKH GLJLWORFNFRGHWRRSHUDWHWKLVIHDWXUH &DOOFRVWVPDQDJHPHQWVXEVFULSWLRQVHUYLFHRQO\ 6RPHQHWZRUNV...
Page 49 - FDOOV
7RVHWFDOOFRVWW\SHWRXQLWV 6HWWLQJWKHFUHGLWOLPLWLQXQLWVRUFXUUHQF\ $IWHUVHWWLQJWKHFXUUHQF\DQGFRVWSHUXQLWLIUHTXLUHGDQGDYDLODEOHRQ \RXUVXEVFULSWLRQ\RXDUHDOVRDEOHWRVHWDFUHGLWOLPLWLQXQLWVRUDQ DPRXQWLQWKHFXUUHQF\RI\RXUFKRLFH:KHQWKHFUHGLWOLPLWLVUHDFKHG WKHSKRQHZLOOEHSUHYHQWHGIURPPDNLQJDQGUHFHLYLQJDOOFKDUJHDE...
Page 50 - UHDFKDEOH
/LQHVHOHFWLRQ$OWHUQDWHOLQHVHUYLFHVHOHFWLQJOLQHVXE VFULSWLRQVHUYLFH 6RPH*60RSHUDWRUVVXSSRUWWKHXVHRIDVHFRQGOLQHZKLFK FDQEHPDGHDYDLODEOHWRH[LVWLQJXVHUV7KLVLVQRUPDOO\DVXEVFULS WLRQVHUYLFHDQGDOORZVIRUH[DPSOHWKHVHSDUDWLRQRILQFRPLQJDQG RXWJRLQJFDOOVIRUEXVLQHVVRUSULYDWHXVH7KHVHFRQGOLQHZLOOKDYH LWVRZQPRELOHQ...
Page 51 - HTXHVWLQJ
7RWXUQRIIRUFKHFNWKHVWDWXVRILQGLYLGXDOFDOOGLYHUWV 7RFDQFHODOOPXOWLSOHGLYHUWV &DOOHU/LQH,GHQWLW\VKRZLQJKLGLQJ\RXUPRELOHQXPEHU 0RVWQHWZRUNVDOORZWKH&DOOHU/LQH,GHQWLW\IHDWXUH&/,LHWKHIHD WXUHZKLFKVKRZVWKHLQFRPLQJQXPEHU,'ZKLOHUHFHLYLQJDFDOO6H OHFWLQJ 5HFHLYLQJFDOOHU,' ZLOODOORZ\RXWRFKHFNWKHDYDL...
Page 52 - WDQGDUGQHWZRUNVHWWLQJ; (GLWLQJWKHSUHIHUUHGOLVW; HWZRUN
FDVHLI\RXZLVKWRUHYHDO\RXUQXPEHURQDFDOOE\FDOOEDVLV\RXFDQ GRVRE\DGGLQJEHIRUHWKHQXPEHU\RXZLVKWRFDOO 6WDQGDUGQHWZRUNVHWWLQJ 7RUHVHWWKHVWDQGDUGQHWZRUNVHWWLQJIRUVHQGLQJ\RXUPRELOH,' +LGLQJRUVKRZLQJ\RXUQXPEHU )LQGLQJRXW\RXUFXUUHQW,'VHWWLQJ 1HWZRUN :KHQWKHSKRQHLVWXUQHGRQLWDXWRPDWLFDOO\VHDUFKHVIRUWKHODVW QHWZ...
Page 53 - HOHFWLQJPDQXDOVHDUFK; HOHFWLQJDXWRPDWLFVHDUFKQRUPDOGHIDXOWVHWWLQJ
<RXU6,0PD\FRQWDLQDIRUELGGHQOLVWRIQHWZRUNVZKLFKFDQQRWEH XVHG7RYLHZWKHIRUELGGHQOLVWRUVKRZWKHKRPHQHWZRUN 6HOHFWLQJPDQXDOVHDUFK 7KHUHPD\EHRFFDVLRQVZKHQ\RXZLVKWRVHOHFWDVSHFLILFQHWZRUN ZKLFKKDVEHWWHUFRYHUDJHLQ\RXUFXUUHQWORFDWLRQIRUH[DPSOH 6HOHFWLQJDXWRPDWLFVHDUFKQRUPDOGHIDXOWVHWWLQJ 7RSHUIRUPDQDXWRPDWL...
Page 54 - &DOOEDUULQJQHWZRUNVHUYLFH; XWJRLQJFDOOV
&DOOEDUULQJQHWZRUNVHUYLFH 7KLVLVDQHWZRUNVHUYLFHZKLFKDOORZV\RXWRVWRSGLIIHUHQWW\SHVRI FDOOVEHLQJPDGHDQGUHFHLYHGRQWKHSKRQH ,WUHTXLUHVWKHXVHRIDQHWZRUNEDUULQJSDVVZRUGDYDLODEOHRQO\IURP \RXUVHUYLFHSURYLGHU 7RSXWRQDFDOOEDU 7RWDNHRIIRUFKHFNWKHVWDWXVRIDFDOOEDU 7RFKDQJHWKHSDVVZRUG $QDXWRPDWLFVHDUFKZLOOEHSH...
Page 56 - SWLRQVGXULQJPHVVDJHGLVSOD\; XPEHUV
%HIRUH\RXFDQWXUQRQWKHEURDGFDVWVHUYLFH\RXKDYHWRSXWDWOHDVWRQH PHVVDJHW\SHLQWKH6HOHFWHGW\SHVOLVW 7RHQWHUDPHVVDJHW\SHLQWKH6HOHFWW\SHVOLVW 8SWRPHVVDJHW\SHVFDQEHHQWHUHGLQWRWKHVHOHFWLRQOLVW 7RWXUQRQRURIIWKHEURDGFDVWVHUYLFH 5HDGLQJEURDGFDVWPHVVDJHV %URDGFDVWPHVVDJHVDUHVKRZQLQWKHVWDQGE\GLVSOD\RQO\DQGDUH VXSS...
Page 57 - KRQHVHWWLQJVFXVWRPLVLQJ\RXUSKRQH
7RWXUQRQRURIIWKHDOHUWWRQH ,IUHTXLUHGDQDOHUWWRQHFDQEHWXUQHGRQWREHHSHYHU\WLPHDQHZ RUXSGDWHGEURDGFDVWPHVVDJHLVUHFHLYHG 7RGHOHWHRUFKDQJHDPHVVDJHW\SHLQWKH6HOHFWHGW\SHV OLVWE\QDPHRUFRGH 0HVVDJHW\SHVSXWLQWRWKH6HOHFWHGW\SHVOLVWFDQEHGHOHWHGRUPRG LILHGXVLQJWKHQDPHGPHVVDJHW\SHVRUE\XVLQJFRGHV %URDGFDVWODQJXDJH ...
Page 60 - DPSLQJ; QIRUVHF
'XULQJDFDOO\RXFDQDGMXVWWKHHDUSLHFHYROXPHE\SUHVVLQJ DQG SUHVVLQJ 9RO DQG 9RO 5DPSLQJ 5DPSLQJLVDIHDWXUHWKDWZKHQWXUQHGRQZLOOFDXVHWKHLQFRPLQJ ULQJWRQHWRJUDGXDOO\LQFUHDVHWRWKHPD[LPXPYROXPHOHYHOLIWKH FDOOLVQRWDQVZHUHGDIWHUWKHILUVWULQJ (GLWLRQ 7KLVIHDWXUHZKLFKLVQHWZRUN6,0DQGODQJXDJHGHSHQGHQW FKDQJHVWKHDFFH...
Page 62 - KRQHORFNFRGH
$XWRUHWU\ 7KLVIHDWXUHHQDEOHVWKHSKRQHWRDXWRPDWLFDOO\UHGLDOWKHQXPEHURI DIDLOHGFDOOGXHWRDV\VWHPEXV\RUXQDYDLODEOHVLJQDOIURPWKHQHW ZRUNIRUXSWRWLPHVDIWHUZKLFKLWZLOOVWRS :KHQDFWLYDWHG $XWRUHWU\ DQGDFRXQWGRZQWLPHUWRWKHQH[WFDOO DWWHPSWZLOODSSHDULQWKHGLVSOD\$QDXWRUHWU\ZDUQLQJWRQHZLOO VRXQGHDFKWLPHDQHZFDOODWWH...
Page 66 - VLQJWKHRIILFHWRROV; FUDWFKSDG; ROXPHV
7KHIROORZLQJDUHWKHIDFWRU\GHIDXOWVHWWLQJV 8VLQJWKHRIILFHWRROV 7KH 2IILFH7RROV PHQXFRQWDLQVDVFUDWFKSDGDFXUUHQF\FRQYHUWHU FDOFXODWRUDQDODUPFORFNDQGDQDXWRVZLWFKRQRIIIHDWXUH 6FUDWFKSDG 8SWRVHSDUDWHHQWULHVFRQWDLQLQJFKDUDFWHUVFDQEHVWRUHGLQ WKHVFUDWFKSDG 3UHVVLQJ ZKHQUHDGLQJHQWULHVZLOOJLYHDFFHVVWRWKHIROORZL...
Page 69 - ZLWFKRIILQ
$XWR6ZLWFK2Q2II 7KLVIHDWXUHHQDEOHVWKHXVHUWRDXWRPDWLFDOO\SURJUDPWKHSKRQHWR VZLWFK2QRU2IIDWSUHGHWHUPLQHGWLPHV 7RVHWD6ZLWFK2QRU2IIWLPH $WWKHVZLWFKRQWLPHWKHSKRQHFRPHVRQLQWKHQRUPDOZD\(QWHU WKHORFNRU3,1FRGHLIUHTXLUHG ,IWKHSKRQHLVDOUHDG\RQDWWKHVZLWFKRQWLPHQRDFWLRQRFFXUV ,IWKHSKRQHLVVHWWRVZLWFKRIIPLQXWHEHIR...
Page 70 - RGHOHWHDQGRUHGLWHQWULHV; HZHYHQW
(QWULHVFDQEHYLHZHGLQGLYLGXDOO\RURQDVFUROOLQJZHHNO\EDVLV 7RHQWHUDGLDU\HYHQW 3UHVV ([LW WRDFNQRZOHGJHWKHDODUP ,IWKHGLDU\HQWU\FRQWDLQVDWHOHSKRQHQXPEHUSUHVVLQJ DFNQRZOHGJHVWKHDODUPDQGLQLWLDWHVDFDOOWRWKDWQXPEHU ,IWKHDODUPLVQRWLPPHGLDWHO\DFNQRZOHGJHGWKHGLDU\HQWU\ZLOO UHPDLQLQWKHGLVSOD\DQGWKHUHPLQGHUDODUPZ...
Page 71 - RGHOHWHROGHYHQWV
7RGHOHWHROGHYHQWV 8VLQJWKH&DOHQGDU 7KHFDOHQGDULWHPLQWKHGLDU\PHQXFDQEHXVHGWR YLHZHQWULHVRQDZHHNO\EDVLV HQWHUQHZHYHQWV UHDGHGLWDQGGHOHWHHYHQWV 7KHFXUUHQWFDOHQGDUZHHNZLOOEHVKRZQ 7KHFXUUHQWGDWHZLOOEHKLJKOLJKWHG,IDQ\HYHQWVKDYHEHHQ VFKHGXOHGIRUWKDWZHHNWKH\ZLOOEHVKRZQLQWKHGLVSOD\DV 7R YLHZDQHYHQWGLUHFW...
Page 74 - WRULQJHGLWLQJ WKH FRQQHFWLRQ VHWWLQJV REWDLQDEOH IURP; HUVRQDOLVLQJ\RXUFRQQHFWLRQVHWWLQJV
6WRULQJHGLWLQJ WKH FRQQHFWLRQ VHWWLQJV REWDLQDEOH IURP \RXUQHWZRUNRSHUDWRU %HIRUHSURFHHGLQJDQGLI\RXKDYHQRWDOUHDG\GRQHVRSOHDVH HQWHUWKHFXUUHQWWLPHDQGGDWHDVGHVFULEHGRQSDJH 7RHQWHUDQGVWRUHWKH333$FFHVVDQG3UR[\GHWDLOV 3HUVRQDOLVLQJ\RXUFRQQHFWLRQVHWWLQJV 7KHIROORZLQJXVHUVHWWLQJVDUHDYDLODEOHHQDEOLQJ\RXWRRS...
Page 75 - *RLQJRQOLQHDQGRQWRWKH1HW; SLFWXUHV
*RLQJRQOLQHDQGRQWRWKH1HW 7RJDLQDFFHVVWRWKHRQOLQHVHUYLFHVRIIHUHGE\\RXUQHWZRUNRSHUDWRU 2QFHFRQQHFWHG\RXZLOOEHSUHVHQWHGZLWK\RXULQWHUQHWRURSHUD WRUVFKRLFHRIPHQXRSWLRQV7KH LFRQDWWKHERWWRPRIWKHGLVSOD\ LQGLFDWHVDOLYHFRQQHFWLRQ 8VH RU DQG DQGRUWKHVRIWNH\VWRPRYHXSDQGGRZQWKH PHQXWRPDNHVHOHFWLRQVDVZHOODVPRYHED...
Page 76 - VHRI ZKLOVWRQOLQH; VHUSUHIHUHQFHV; (QGLQJWKHRQOLQHFRQQHFWLRQ; ERRNPDUNV; SWLRQV
8VHRI ZKLOVWRQOLQH 3UHVVLQJ GXULQJDOLYHFRQQHFWLRQZLOOSUHVHQWDQRSWLRQVPHQXDV IROORZV 7KHDSSHDUDQFHRIWKHVHLWHPVLQWKHDERYHRSWLRQVPHQXPD\EH RSHUDWRUGHSHQGHQWDQGRUWKHVHWWLQJVLQWKH 8VHUSUHIHUHQFHV PHQX (QGLQJWKHRQOLQHFRQQHFWLRQ 7RHQGWKHLQWHUQHWFRQQHFWLRQ &UHDWLQJERRNPDUNV 7KHUHPD\EHVRPHVHUYLFHVWKDW\RX...
Page 77 - *60PDQPDFKLQHLQWHUIDFHFRGHV
'XULQJDOLYHFRQQHFWLRQZKLOVWYLHZLQJDSDJH 8VLQJERRNPDUNV %RRNPDUNVFDQEHXVHG GLUHFWO\IURPVWDQGE\GLVSOD\ ZKLOVW\RXDUHEURZVLQJWKHLQWHUQHW 2WKHUVLWH 8VHRIWKLVRSWLRQZLWKLQWKH ,QWHUQHW PHQXDOORZVWKHXVHUWRHQWHU DNQRZQLQWHUQHWDGGUHVVVLWHDQGWRJRWRWKLVVLWHGLUHFWO\IURPGLDO XS+RZHYHUXQOLNHWKH%RRNPDUNIHDWXUH...
Page 80 - URXEOHVKRRWLQJ; UREOHP
7URXEOHVKRRWLQJ 3UREOHP 3RVVLEOHFDXVHDQGVROXWLRQ 3KRQHZLOOQRWVZLWFK RQ &KHFNWKDWWKHEDWWHU\LVIXOO\FKDUJHGDQGFRUUHFWO\ FRQQHFWHGWRWKHSKRQH &KDUJLQJ/('QRWOLW UHGDQGQRIODVKLQJ EDWWHU\,FRQ 7KHUHPD\EHQRPDLQVVXSSO\&KHFNPDLQVVXSSO\ 7KH$&'&FKDUJHUPD\EHIDXOW\5HWXUQWR\RXUGHDOHU DQGWU\VXEVWL...