HP PhotoSmart p1100 InkJet Printer

+33KRWR6PDUW
333ULQWHU
8VHU¬V*XLGH
‹&RS\ULJKW+HZOHWW3DFNDUG&RPSDQ\
$OOULJKWVDUHUHVHUYHG1RSDUWRIWKLVGRFXPHQWPD\EHSKRWRFRSLHG
UHSURGXFHGRUWUDQVODWHGWRDQRWKHUODQJXDJHZLWKRXWWKHSULRU
ZULWWHQFRQVHQWRI+HZOHWW3DFNDUG&RPSDQ\
7KHLQIRUPDWLRQFRQWDLQHGLQWKLVGRFXPHQWLVVXEMHFWWRFKDQJH
ZLWKRXWQRWLFH+HZOHWW3DFNDUGVKDOOQRWEHOLDEOHIRUHUURUVFRQWDLQHG
KHUHLQRUIRUFRQVHTXHQWLDOGDPDJHVLQFRQQHFWLRQZLWKWKHIXUQLVKLQJ
SHUIRUPDQFHRUXVHRIWKLVPDWHULDO
+3WKH+3ORJR-HW6HQGWKH-HW6HQGORJR3KRWR6PDUWDQGWKH
3KRWR6PDUWORJRDUHSURSHUW\RI+HZOHWW3DFNDUG&RPSDQ\
0LFURVRIWDQG:LQGRZVDUHUHJLVWHUHGWUDGHPDUNVRI0LFURVRIW
&RUSRUDWLRQ
2WKHUEUDQGVDQGWKHLUSURGXFWVDUHWUDGHPDUNVRUUHJLVWHUHG
WUDGHPDUNVRIWKHLUUHVSHFWLYHKROGHUV
&RQWHQWV
&KDSWHU*HWWLQJ6WDUWHG 2YHUYLHZ 6SHFLDOIHDWXUHV 6HWWLQJXS\RXU+33KRWR6PDUWSULQWHU 8QSDFNLQJWKHSULQWHU 2WKHULWHPV\RXZLOOQHHG
*HWWLQJWRNQRZ\RXU+33KRWR6PDUWSULQWHU 7XUQLQJWKHSULQWHU21DQG2))
8VLQJWKHIURQWSDQHO
+DQGOLQJSULQWHUVWDWXVPHVVDJHV 5HDGLQJWKHLQGLFDWRUOLJKWV
8VLQJWKH+33KRWR6PDUWSULQWHUWRROV 3ULQWLQJDWHVWSDJH &OHDQLQJWKHSULQWFDUWULGJHV 6HOHFWLQJWKHGHIDXOWSDSHUW\SHDQGVL]H 6HOHFWLQJWKHSDJHOD\RXW 3KRWR$OEXP 3DSHU6DYHU $GMXVWLQJWKHSKRWREULJKWQHVV
8VLQJWKHIDFWRU\VHWWLQJV
L
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&KDSWHU8VLQJ3ULQW&DUWULGJHVDQG3DSHU 8VLQJSULQWFDUWULGJHV 6HOHFWLQJWKHFRUUHFWSULQWFDUWULGJHV
'HWHUPLQLQJLIDSULQWFDUWULGJHLVORZRQLQN
5HSODFLQJSULQWFDUWULGJHV /RDGLQJSDSHU /RDGLQJDVWDFNRISDSHU /RDGLQJSDSHULQWKHSKRWRWUD\
/RDGLQJHQYHORSHV 3ULQWLQJDVLQJOHHQYHORSH 3ULQWLQJDVWDFNRIHQYHORSHV 8VLQJ+3FXVWRPSDSHUV &KDSWHU&RQQHFWLQJWKH3ULQWHUWRD&RPSXWHU 6\VWHPUHTXLUHPHQWV &RQQHFWLQJWKHSULQWHU
8VLQJDSDUDOOHOSRUW 8VLQJD86%SRUW &KDSWHU8VLQJWKH3ULQWHUZLWKD&RPSXWHU 3ULQWLQJ
3ULQWHU3URSHUWLHV 6HWXS
)HDWXUHV $GYDQFHG 6HUYLFHV LL
&RQWHQWV
7ZRVLGHGSULQWLQJ 0DQXDOO\UHORDGLQJSDSHUWRSULQWWKHVHFRQGVLGH 8VLQJPHPRU\FDUGILOHV 6DYLQJSKRWRV 8VLQJWKH+33KRWR6PDUWSULQWHU7RROER[
2SHQLQJWKH7RROER[ 3ULQWHU6HUYLFHV (VWLPDWHG,QN/HYHO &RQILJXUDWLRQ &KDSWHU8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG
8QGHUVWDQGLQJPHPRU\FDUGV ,QVHUWLQJDPHPRU\FDUG 3ULQWLQJDQLQGH[SDJH
6HOHFWLQJSKRWRV 8VLQJWKHIURQWSDQHO
8VLQJ'LJLWDO3ULQW2UGHU)RUPDW'32)ILOHV
3ULQWLQJSKRWRV &KDSWHU8VLQJWKH3ULQWHUZLWK+3-HW6HQG 8VLQJ+3-HW6HQGWRSULQWRUVDYHSKRWRV 7LSVIRUXVLQJ+3-HW6HQG &KDSWHU7URXEOHVKRRWLQJDQG0DLQWHQDQFH
8VLQJWKHFRPSXWHU 7KH+33KRWR6PDUW7RROER[ &RPPXQLFDWLRQVWURXEOHVKRRWLQJ 8VLQJDGLJLWDOFDPHUD LLL
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&OHDULQJDSDSHUMDP &RPPRQTXHVWLRQVDQGDQVZHUV )UHTXHQWO\DVNHGTXHVWLRQV 7URXEOHVKRRWLQJ *HWWLQJDVVLVWDQFH +33KRWR6PDUWRQWKH,QWHUQHW
+3FRPPXQLW\IRUXP 9LHZLQJRQOLQH+HOS &RQWDFWLQJ+3&XVWRPHU&DUH
0DLQWHQDQFHIXQFWLRQV 0DWHULDOV\RXZLOOQHHG
&OHDQLQJWKHSULQWFDUWLGJHKROGHUV
&OHDQLQJWKHSULQWFDUWULGJHV &OHDQLQJWKHSULQWHU LY
&KDSWHU
*HWWLQJ6WDUWHG
2YHUYLHZ
<RXU+33KRWR6PDUW33SULQWHUSULQWVHYHU\WKLQJIURPEODFNDQGZKLWH
WH[WGRFXPHQWVWRFRORUSKRWRV<RXFDQSULQWKLJKTXDOLW\GRFXPHQWVDQGSURMHFWV
VXFKDVDSKRWRDOEXPSDJHVJUHHWLQJFDUGVRUQHZVOHWWHUVWKDW\RXKDYHFUHDWHG
XVLQJ\RXUFRPSXWHU<RXFDQXVHWKH+33KRWR6PDUWSULQWHUWRSULQWFRSLHVRI
SKRWRVIURP\RXUGLJLWDOFDPHUD«VPHPRU\FDUG,I\RXUGLJLWDOFDPHUDKDV+3
-HW6HQGLQIUDUHGFDSDELOLW\\RXFDQXVHLQIUDUHGIRUZLUHOHVVSULQWLQJ
6SHFLDOIHDWXUHV
<RXU+33KRWR6PDUWSULQWHULVDXQLTXHSULQWHUZLWKVSHFLDOIHDWXUHVWRKHOS\RX
‡
SULQWRUVDYHSKRWRVIURPGLJLWDOFDPHUDPHPRU\FDUGV
‡
XVH\RXUGLJLWDOFDPHUD«VPHPRU\FDUGDVDVHSDUDWHGLVNGULYH
‡
SULQWRUVDYHSKRWRVXVLQJ+3-HW6HQGLQIUDUHGWHFKQRORJ\
‡
FUHDWHODVHUOLNHTXDOLW\WH[WDQGEULOOLDQWSKRWRTXDOLW\FRORU
‡
HQMR\FOHDUQDWXUDOORRNLQJUHVXOWVRQDQ\SDSHU
‡
FRQQHFWWKHSULQWHUWR\RXUFRPSXWHUXVLQJD86%RUSDUDOOHOSRUW
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
+RZ\RXZLOOXVH\RXUSULQWHUGHSHQGVRQ\RXUVRXUFH
,I\RXUVRXUFHLV
<RXFDQ
DFRPSXWHU
‡ SULQWIURPDZLGHUDQJHRIVRIWZDUHDSSOLFDWLRQV
‡ VDYHSKRWRVWR\RXUFRPSXWHU«VKDUGGULYH
DPHPRU\FDUG
‡ SULQWDQLQGH[SDJHVKRZLQJWKXPEQDLOVPLQL
UHSUHVHQWDWLRQVRIDOOSKRWRV
‡ SULQWDOORUVHOHFWHGSKRWRV
‡ SULQWPXOWLSOHFRSLHVRISKRWRV
‡ VDYHDOORUVHOHFWHGSKRWRVWR\RXUFRPSXWHU«VKDUG
GULYH
‡ XVHDVRIWZDUHDSSOLFDWLRQWRRSHQYLHZDSKRWR
IURPWKHPHPRU\FDUG
DGLJLWDOFDPHUDXVLQJ+3 ‡ SULQWDQLQGH[SDJHVKRZLQJWKXPEQDLOVPLQL
-HW6HQGLQIUDUHG
UHSUHVHQWDWLRQVRIDOOSKRWRV
‡ SULQWDOORUVHOHFWHGSKRWRV
‡ SULQWPXOWLSOHFRSLHVRISKRWRV
‡ VDYHDOORUVHOHFWHGSKRWRVIURPWKHGLJLWDO
FDPHUD
*HWWLQJ6WDUWHG
6HWWLQJXS\RXU+33KRWR6PDUWSULQWHU
8QSDFNLQJWKHSULQWHU
7RXQSDFNWKHSULQWHU
5HPRYHDOOLWHPVIURPWKHER[
'HWDFKWKHSDFNDJLQJIURPWKH3KRWR6PDUWSULQWHU
6DYHWKHSDFNDJLQJLQFDVH\RXHYHUZDQWWRWUDQVSRUWRUVWRUH\RXUSULQWHU
%HIRUH\RXEHJLQFKHFNWREHVXUH\RXKDYHWKHIROORZLQJ
‡ +33KRWR6PDUWSULQWHU
‡ 8VHU«V*XLGH
‡ 3RZHUFRUG
‡ 4XLFN6XFFHVVSRVWHU
‡ 3ULQWFDUWULGJHV
‡ 6RIWZDUHLQVWDOODWLRQLQVWUXFWLRQV
‡ 6RIWZDUHRQ&'520
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
2WKHULWHPV\RXZLOOQHHG
'HSHQGLQJRQKRZ\RXDUHXVLQJWKH+33KRWR6PDUWSULQWHU\RXZLOOQHHG
DGGLWLRQDOLWHPVOLVWHGEHORZ
‡
&DEOHV7RFRQQHFWWKH+33KRWR6PDUWSULQWHUWR\RXUFRPSXWHU\RXZLOO
QHHGDELGLUHFWLRQDO,(((FRPSOLDQWSDUDOOHOFDEOHRUD86%FDEOH
DYDLODEOHDWPRVWFRPSXWHUVWRUHV
1RWH )RUPRUHLQIRUPDWLRQDERXWKRZWRFRQQHFWWKH+33KRWR6PDUWSULQWHU
WRDFRPSXWHUVHH¨&KDSWHU&RQQHFWLQJWKH3ULQWHUWRD&RPSXWHU©
RQSDJH
‡
+3SDSHU)RUWKHEHVWRXWSXWTXDOLW\ZHUHFRPPHQGXVLQJ+3SDSHU+3
SDSHULVDYDLODEOHDWPRVWFRPSXWHUDQGRIILFHVXSSO\VWRUHVRURQWKH:HEDW
+3«V6KRSSLQJ9LOODJH
KWWSZZZVKRSSLQJKSFRP
1RWH )RUPRUHLQIRUPDWLRQDERXWKRZSDSHUDIIHFWVSULQWTXDOLW\VHHWKH+3
3KRWR6PDUWRQOLQH+HOS
‡
0HPRU\FDUGV,I\RXXVH\RXUGLJLWDOFDPHUD«VPHPRU\FDUGZLWKWKHSULQWHU
PDNHVXUHWKHPHPRU\FDUGLVD&RPSDFW)ODVK7\SH,RU,,RU6PDUW0HGLD
PHPRU\FDUG6HH¨&KDSWHU8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG©RQSDJH
IRUPRUHLQIRUPDWLRQ
*HWWLQJ6WDUWHG
*HWWLQJWRNQRZ\RXU+33KRWR6PDUWSULQWHU
/&'
WRSFRYHU
RXWSXWWUD\
PHPRU\FDUG
VORWV
VLGHSDSHU
JXLGH
3RZHUEXWWRQ
SKRWRWUD\
SDSHUWUD\
IURQWSDSHUJXLGH
‡ 7RSFRYHURSHQWKLVFRYHUWR
FKDQJHSULQWFDUWULGJHVRUFOHDUD
SDSHUMDP
‡ 2XWSXWWUD\FDWFKHV\RXUSULQWHG
SKRWRVRUGRFXPHQWV
‡ 3DSHUWUD\SODFHSDSHURU
HQYHORSHVLQWKLVWUD\IRUSULQWLQJ
‡ /LTXLG&U\VWDO'LVSOD\/&'
UHDGWKLVZLQGRZIRULQIRUPDWLRQ
DERXWWKHVWDWXVRI\RXUSULQWHU
‡ 3DSHUJXLGHVIURQWDQGVLGH
‡ 0HPRU\FDUGVORWV6PDUW0HGLD
DGMXVWWKHVHJXLGHVWRWKHHGJHVRI
DQG&RPSDFW)ODVKSODFHD
WKHSDSHULQWKHSDSHUWUD\WRHQVXUH
PHPRU\FDUGLQWRWKHFRUUHFWVORWWR
WKHSDSHUIHHGVLQWRWKHSULQWHU
EHJLQSULQWLQJRUVDYLQJ
FRUUHFWO\
‡ 3RZHUEXWWRQSUHVVWKLVEXWWRQWR
‡ 3KRWRWUD\SODFH[LQFK[
WXUQWKHSULQWHURQDQGRII
PPSKRWRSDSHULQWKLVWUD\IRU
SULQWLQJ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
7XUQLQJWKHSULQWHU21DQG2))
7RWXUQWKHSULQWHURQDQGRII
%HVXUHWKHWRSFRYHULVFORVHG
3UHVVWKH3RZHUEXWWRQWRWXUQWKHSULQWHU21DQG2))
1RWH 7RJHWPD[LPXPXVHIURP\RXUSULQWFDUWULGJHVGRQRWXQSOXJWKHSULQWHU
RUWXUQRIIWKHSRZHUVRXUFHVXFKDVDSRZHUVWULSXQWLOWKH3RZHUOLJKWLV
RII
8VLQJWKHIURQWSDQHO
7KHSULQWHU«VIURQWSDQHODOORZV\RXWRSULQWGLUHFWO\IURP\RXUGLJLWDOFDPHUD
ZLWKRXWXVLQJ\RXUFRPSXWHU7KHIURQWSDQHODOVRKDVDQ/&'ZKLFKVKRZV
LQIRUPDWLRQDERXW\RXUSULQWHU8VHWKHIURQWSDQHO/&'DQGEXWWRQVWRSULQW
SKRWRVRUVDYHWKHPWR\RXUFRPSXWHU«VKDUGGULYH0DQ\EXWWRQV¨UHPHPEHU©
ZKDW\RXUODVWVHOHFWLRQZDVVRWKDW\RXGRQRWKDYHWRPDNH\RXUVHOHFWLRQVDJDLQ
&RSLHV
3KRWR6L]H
&KRRVH3KRWRV
2.<HV
&DQFHO1R
3ULQW
6DYH
3RZHU
7RROV
,QIUDUHGSRUW
*HWWLQJ6WDUWHG
7KHIROORZLQJLVDJHQHUDOGHVFULSWLRQRIWKHIURQWSDQHOEXWWRQV7KHGHWDLOVRQ
KRZWRXVHHDFKEXWWRQDUHLQFOXGHGWKURXJKRXWWKLVJXLGH
‡ &RSLHVXVHWKLVEXWWRQWRVHOHFWWKH ‡ 6DYHSUHVVWKLVEXWWRQWRVWDUW
QXPEHURIFRSLHV\RXZDQWWRSULQW
VDYLQJWKHVHOHFWHGSKRWRVWRWKH
FRPSXWHU
‡ &KRRVH3KRWRVXVHWKLVEXWWRQWR
FKRRVHZKLFKSKRWRV\RXZDQWWR
‡ 3ULQWSUHVVWKLVEXWWRQWRVWDUW
SULQWRUVDYH
SULQWLQJWKHVHOHFWHGSKRWRV
‡ 3KRWR6L]HXVHWKLVEXWWRQWR
FKRRVHWKHSULQWHGVL]HIRUDOO
VHOHFWHGSKRWRV
‡ &DQFHO1RSUHVVWKLVEXWWRQWR
VWRSSULQWLQJFDQFHODVHOHFWLRQRU
DQVZHUQRWRDTXHVWLRQRQWKH/&'
‡ 7RROVXVHWKLVEXWWRQWRFKDQJH
SULQWHUVHWWLQJV
‡ ,QIUDUHG,5SRUWDLP\RXUGLJLWDO
FDPHUDWRZDUGWKLVSRUWZKHQ
WUDQVIHUULQJSKRWRVWRWKHSULQWHU
XVLQJ+3-HW6HQGLQIUDUHG
WHFKQRORJ\
‡ 2.<HVSUHVVWKLVEXWWRQWRPDNHD
VHOHFWLRQRUDQVZHU\HVWRDTXHVWLRQ ‡ 3RZHUSUHVVWKLVEXWWRQWRWXUQWKH
RQWKH/&'
SULQWHURQDQGRII
3UHVVWKHULJKWDQGOHIWVLGHVRIWKHIROORZLQJEXWWRQVWRYLHZPRYHWKURXJKWKH
DYDLODEOHVHOHFWLRQV
‡ &KRRVH3KRWRV
‡ 3KRWR6L]H
‡ &RSLHV
‡ 7RROV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
+DQGOLQJSULQWHUVWDWXVPHVVDJHV
7KH/&'GLVSOD\VLQIRUPDWLRQDERXWWKHVWDWXVRI\RXUSULQWHUDQGSURPSWV\RXIRU
LQIRUPDWLRQDERXWWKHFXUUHQWMRE:KHQ\RXVHHDPHVVDJHRQWKH/&'\RXFDQ
‡
)ROORZWKHLQVWUXFWLRQVRQWKH/&'
25
‡
3UHVVWKH&DQFHOEXWWRQWRVWRSSULQWLQJRUVDYLQJ,I\RXGRWKLV\RXZLOOQHHG
WRUHVWDUWWKHMRE
1RWH ,I\RXQHHGDGGLWLRQDOLQIRUPDWLRQDIWHUIROORZLQJWKHLQVWUXFWLRQVRQWKH
/&'VHH¨&KDSWHU7URXEOHVKRRWLQJDQG0DLQWHQDQFH©RQSDJH
5HDGLQJWKHLQGLFDWRUOLJKWV
7KH+33KRWR6PDUWSULQWHUKDVIRXULQGLFDWRUOLJKWV7ZRDUHORFDWHGQH[WWRWKH
PHPRU\FDUGVORWVDQGWZRDUHORFDWHGRQWKHIURQWSDQHO
&DUG6ORWOLJKWV
3RZHUOLJKW
‡
$WWHQWLRQOLJKW
,IWKH3RZHUOLJKWLV
‡
RQWKHSULQWHUSRZHULVRQ
‡
EOLQNLQJWKHSULQWHULVEXV\IRUH[DPSOHSULQWLQJRUVDYLQJ
‡
RIIWKHSULQWHUSRZHULVRII
*HWWLQJ6WDUWHG
‡
,ID&DUG6ORWOLJKWWKHUHDUHWZRRIWKHP§RQHIRUHDFKFDUGVORWLV
‡
RQWKHPHPRU\FDUGLVLQVHUWHGFRUUHFWO\
‡
EOLQNLQJWKHPHPRU\FDUGLQWKHFDUGVORWLVEHLQJDFFHVVHG
&DXWLRQ
‡
'RQRWUHPRYHWKHPHPRU\FDUGZKLOHWKHLQGLFDWRUOLJKW
LVEOLQNLQJ5HPRYLQJDPHPRU\FDUGZKLOHLWLVLQXVH
PD\GDPDJHWKHFDUG
RIIWKHUHLVQRPHPRU\FDUGLQVHUWHGWKHPHPRU\FDUGLVQRWLQVHUWHG
FRUUHFWO\RUWKHRWKHUPHPRU\FDUGVORWLVLQXVH
1RWH <RXFDQRQO\XVHRQHPHPRU\FDUGVORWDWDWLPH)RUPRUH
LQIRUPDWLRQDERXWXVLQJPHPRU\FDUGVZLWKWKH+33KRWR6PDUW
SULQWHUVHH¨&KDSWHU8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG©RQSDJH
‡
,IWKH$WWHQWLRQOLJKWLVEOLQNLQJUHDGWKH/&'IRULQVWUXFWLRQV
8VLQJWKH+33KRWR6PDUWSULQWHUWRROV
<RXFDQXVHWKH7RROVEXWWRQRQWKHSULQWHU«VIURQWSDQHOWR
‡
SULQWDWHVWSDJH
‡
FOHDQWKHSULQWFDUWULGJHV
‡
VHOHFWWKHGHIDXOWSDSHUW\SHDQGVL]H
‡
VHOHFWWKHGHIDXOWSDJHOD\RXW
‡
DGMXVWWKHSKRWREULJKWQHVV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
3ULQWLQJDWHVWSDJH
,I\RXWKLQN\RXUSULQWFDUWULGJHVPD\EHORZRQLQNSULQWDWHVWSDJH
7RSULQWDWHVWSDJH
0DNHVXUHSODLQSDSHULVORDGHGLQWKHSDSHUWUD\6HH¨/RDGLQJSDSHU©RQ
SDJHIRUGHWDLOV
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNVLI\RXZDQWWRSULQWDWHVWSDJHWKHQ
SUHVVWKH2.<HVEXWWRQ
7KHSULQWHUEHJLQVSULQWLQJDWHVWSDJH
&OHDQLQJWKHSULQWFDUWULGJHV
,I\RXQRWLFHZKLWHOLQHVRUVLQJOHFRORUVWUHDNVRQ\RXUSULQWVWKHSULQWFDUWULGJHV
PD\QHHGWREHFOHDQHG
1RWH <RXFDQDOVRFOHDQWKHSULQWFDUWULGJHVXVLQJWKH+33KRWR6PDUW7RROER[
RU\RXFDQFOHDQWKHPPDQXDOO\6HH¨&OHDQLQJWKHSULQWFDUWULGJHV©RQ
SDJHIRUGHWDLOV
7RFOHDQWKHSULQWFDUWULGJHV
0DNHVXUHSODLQSDSHULVORDGHGLQWKHSDSHUWUD\6HH¨/RDGLQJSDSHU©RQ
SDJHIRUGHWDLOV
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNVLI\RXZDQWWRFOHDQWKHSULQW
FDUWULGJHVWKHQSUHVVWKH2.<HVEXWWRQ
:KHQWKH/&'DVNV\RXWRORDGSODLQSDSHUSUHVVWKH2.<HVEXWWRQ
7KHSULQWHUEHJLQVFOHDQLQJWKHSULQWFDUWULGJHV7KH3RZHUOLJKWEHJLQV
EOLQNLQJ:KHQWKHSULQWHUVWRSVPDNLQJQRLVHV$1'WKH3RZHUOLJKWLVQR
ORQJHUEOLQNLQJWKHSULQWHULVILQLVKHGFOHDQLQJWKHSULQWFDUWULGJHV7KHSULQWHU
WKHQEHJLQVSULQWLQJDWHVWSDJH,IWKHWHVWSDJHKDVZKLWHVWUHDNVRUPLVVLQJ
FRORUV\RXFDQFOHDQWKHSULQWFDUWULGJHVDJDLQ6HH¨&OHDQLQJWKHSULQW
FDUWULGJHV©RQSDJHIRUGHWDLOV
*HWWLQJ6WDUWHG
6HOHFWLQJWKHGHIDXOWSDSHUW\SHDQGVL]H
,I\RXXVXDOO\SULQWRQRQHW\SHDQGVL]HRISDSHUVHWWKHSDSHUW\SHDQGVL]H
GHIDXOWVHWWLQJV<RXUVHWWLQJVZLOOEHWKHQHZGHIDXOWVIRUHDFKSULQWMRE<RXZLOO
VWLOOKDYHWKHRSWLRQWRFKDQJHWKHSDSHUW\SHDQGVL]HIRUDVSHFLILFSULQWMRE
7RVHOHFWWKHGHIDXOWSDSHUW\SHDQGVL]H
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNV\RXLI\RXZDQWWR
‡
6HOHFWWKHGHIDXOWSDSHUW\SH"
25
‡
6HOHFWWKHGHIDXOWSDSHUVL]H"
3UHVVWKH2.<HVEXWWRQ
7KH/&'GLVSOD\VWKHFXUUHQWVHWWLQJ
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'GLVSOD\VWKHFRUUHFWW\SHRUVL]HRU1R
'HIDXOWLI\RXZDQWWRVHOHFWWKHSDSHUW\SHDQGVL]HHYHU\WLPH\RXSULQWXVLQJ
WKHIURQWSDQHO
3UHVVWKH2.<HVEXWWRQ
6HOHFWLQJWKHSDJHOD\RXW
7KHSDJHOD\RXWVSHFLILHVKRZWKHSULQWHUSRVLWLRQVSKRWRVRQWKHSDJH
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNVLI\RXZDQWWRVHOHFWWKHSDJHOD\RXW
WKHQSUHVVWKH2.<HVEXWWRQ
3UHVVWKH7RROVEXWWRQDJDLQWRVHOHFW3KRWR$OEXPRU3DSHU6DYHU6HH
EHORZIRUPRUHLQIRUPDWLRQDERXWWKHVHVHOHFWLRQV
3UHVVWKH2.<HVEXWWRQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
3KRWR$OEXP
6HOHFWWKLVRSWLRQLI\RXZDQWWRSULQWSKRWRVXVLQJWKHRULHQWDWLRQVHWWLQJIURPWKH
GLJLWDOFDPHUD7KHSULQWHURULHQWVWKHSDJHWRILWDVPDQ\SKRWRVDVSRVVLEOH)RU
H[DPSOHLI\RXUSKRWRVDUHDOOODQGVFDSHWKHSDJHZLOOSULQWODQGVFDSH7KH
SULQWHUXVHVWKHSKRWRRULHQWDWLRQVHWWLQJIURPWKHFDPHUDWRGHWHUPLQHKRZWR
SODFHWKHSKRWRRQWKHSDJH
3DSHU6DYHU
6HOHFWWKLVRSWLRQLI\RXZDQWWRILWDVPDQ\SKRWRVDVSRVVLEOHRQHDFKVKHHWRI
SDSHU6RPHSKRWRVPD\EHWXUQHGVLGHZD\VWRILWRQWKHSDJH§WKH\PD\QRW
SULQWULJKWVLGHXS
*HWWLQJ6WDUWHG
$GMXVWLQJWKHSKRWREULJKWQHVV
,I\RXZDQW\RXUSKRWRVWRSULQWOLJKWHURUGDUNHUWKDQWKHRULJLQDOVDGMXVWWKH
SKRWREULJKWQHVV
7RDGMXVWWKHSKRWREULJKWQHVV
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNVLI\RXZDQWWRDGMXVWWKHSKRWR
EULJKWQHVVWKHQSUHVVWKH2.<HVEXWWRQ
3UHVVWKHULJKWVLGHRIWKH7RROVEXWWRQWROLJKWHQ\RXUSKRWRVRUWKHOHIWVLGH
RIWKH7RROVEXWWRQWRGDUNHQ\RXUSKRWRV
3UHVVWKH2.<HVEXWWRQ
8VLQJWKHIDFWRU\VHWWLQJV
<RXFDQUHVHWWKHSULQWHUWRWKHRULJLQDOIDFWRU\VHWWLQJVXVLQJWKH7RROVEXWWRQ
7RXVHWKHIDFWRU\VHWWLQJV
‡
3UHVVWKH7RROVEXWWRQXQWLOWKH/&'DVNVLI\RXZDQWWRUHVHWDOOWRROVVHWWLQJV
WKHQSUHVVWKH2.<HVEXWWRQ
7KHIDFWRU\VHWWLQJVDUHDVIROORZV
‡
1RGHIDXOWSDSHUW\SHRUVL]HWKHSULQWHUZLOODVN\RXWKHVHVHWWLQJVHYHU\WLPH
\RXSULQWSKRWRVXVLQJWKHIURQWSDQHO
‡
3KRWR$OEXPSDJHOD\RXW
‡
0LGGOH%ULJKWQHVVVHWWLQJ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&KDSWHU
8VLQJ3ULQW&DUWULGJHVDQG3DSHU
8VLQJSULQWFDUWULGJHV
7RJHWWKHEHVWSHUIRUPDQFHIURP\RXU+33KRWR6PDUWSULQWHUZHUHFRPPHQG
XVLQJRQO\JHQXLQH+3VXSSOLHVLQFOXGLQJJHQXLQH+3IDFWRU\ILOOHGSULQW
FDUWULGJHV
1RWH 'RQRWUHILOOSULQWFDUWULGJHV\RXUVHOI'DPDJHUHVXOWLQJIURPWKH
PRGLILFDWLRQRUUHILOOLQJRI+3SULQWFDUWULGJHVLVVSHFLILFDOO\H[FOXGHGIURP
+3SULQWHUZDUUDQW\FRYHUDJH
6HOHFWLQJWKHFRUUHFWSULQWFDUWULGJHV
8VHRQO\+3SULQWFDUWULGJHVZLWK\RXU+33KRWR6PDUWSULQWHU7KHSDUWQXPEHUV
DUH
‡
&RORUFDUWULGJH+3&VHULHV
‡
%ODFNFDUWULGJH+3VHULHV
'HWHUPLQLQJLIDSULQWFDUWULGJHLVORZRQLQN
:KHQDSULQWFDUWULGJHLVORZRQLQN\RXZLOOSUREDEO\QRWLFHLWLQWKHSULQWTXDOLW\
<RXPD\VWDUWVHHLQJWRRPXFKRIRQHFRORULQDSULQWDFRORUPD\EHPLVVLQJRU
\RXPD\VHHVWUHDNVLQ\RXUSULQW,I\RXWKLQN\RXUSULQWFDUWULGJHVPD\EHORZRQ
LQNSULQWDWHVWSDJH6HH¨8VLQJWKH+33KRWR6PDUWSULQWHUWRROV©RQSDJHIRU
GHWDLOV,I\RXDUHFRQQHFWHGWRDFRPSXWHU\RXFDQXVHWKH+33KRWR6PDUW
7RROER[6HH¨8VLQJWKH+33KRWR6PDUWSULQWHU7RROER[©RQSDJHIRUPRUH
LQIRUPDWLRQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
5HSODFLQJSULQWFDUWULGJHV
7RUHSODFHSULQWFDUWULGJHV
7XUQWKHSULQWHURQ6HH¨7XUQLQJWKHSULQWHU21DQG2))©RQSDJHIRUPRUH
LQIRUPDWLRQ
2SHQWKHWRSFRYHU
7KHSULQWFDUWULGJHKROGHUPRYHVWRWKHFHQWHURIWKHSULQWHU
/LIWWKHSULQWFDUWULGJHKROGHUFRYHUIRUWKHSULQWFDUWULGJH\RXZDQWWRUHSODFH
DQGUHPRYHWKHSULQWFDUWULGJH
5HPRYHWKHWDSHIURPWKHQHZSULQWFDUWULGJH
‡
7DNHWKHSULQWFDUWULGJHRXWRILWVSDFNDJH
‡
*UDVSWKHWDEDQGSHHORIIWKHWDSH
1RWH %HFDUHIXOQRWWRWRXFKWKHLQNQR]]OHVRUWKH
FRSSHUFRQWDFWV7RXFKLQJWKHVHSDUWVPD\
FDXVHSULQWFDUWULGJHIDLOXUH
,QVHUWWKHSULQWFDUWULGJH
‡
,QVHUWWKHERWWRPRIWKHSULQWFDUWULGJHLQWRWKH
KROGHU
‡
3XVKWKHWRSRIWKHFDUWULGJHWRZDUGWKHEDFNRIWKH
SULQWHUXQWLO\RXIHHOLW¨ORFN©LQWRSODFH
‡
&ORVHWKHSULQWFDUWULGJHKROGHUFRYHU
&ORVHWKHWRSFRYHU
7KH/&'SURPSWV\RXWRORDGSODLQSDSHULQWKHSDSHUWUD\
8VLQJ3ULQW&DUWULGJHVDQG3DSHU
0DNHVXUHSODLQSDSHULVORDGHGLQWKHSDSHUWUD\6HH¨/RDGLQJDVWDFNRI
SDSHU©RQSDJHIRUPRUHLQIRUPDWLRQDERXWORDGLQJSDSHU
2QWKHIURQWSDQHOSUHVVWKH2.<HVEXWWRQ
7KHSULQWHUEHJLQVSULQWLQJDFDOLEUDWLRQSDJH
/RDGLQJSDSHU
:KHQ\RXDUHORDGLQJSDSHULQWRWKHSDSHUWUD\NHHSLQPLQGWKHIROORZLQJ
JXLGHOLQHV
‡
7KHSULQWHUSULQWVRQWKHIDFHGRZQVLGHRIWKHSDJHLQWKHSDSHUWUD\WKH
SULQWHGGRFXPHQWIDFHVXSLQWKHRXWSXWWUD\
‡
3ODFHSDSHULQWRWKHSDSHUWUD\ZLWKDOOVKHHWVIDFLQJWKHVDPHGLUHFWLRQIRU
H[DPSOHJORVV\VLGHGRZQ*ORVV\VLGHVVKRXOGQRWEHIDFLQJHDFKRWKHU
‡
6RPHRIWKH+3SDSHUVKDYHWKH+3ORJRRQWKHPWRKHOS\RXGHWHUPLQHZKLFK
ZD\WRLQVHUWWKHSDSHU6HHWKHLQVWUXFWLRQVLQWKHSDSHUSDFNDJHIRUGHWDLOV
‡
'RQRWSUHVVWKHVWDFNRISDSHUGRZQWRLQFUHDVHWKHDPRXQWRISDSHU\RXFDQ
SODFHLQWKHSDSHUWUD\/RDGLQJWRRPXFKSDSHULQWKHSDSHUWUD\FDQFDXVH
SDSHUMDPV
‡
)HHGRUSODFHWDEEHGSDSHULQWRWKHSULQWHUVRWKDWWKHWDEIHHGVLQODVW
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
/RDGLQJDVWDFNRISDSHU
7KHDPRXQWRISDSHU\RXFDQORDGLQWKHSDSHUWUD\GHSHQGVRQWKHW\SHRISDSHU
\RXDUHXVLQJ)RUPRUHLQIRUPDWLRQRQSDSHUVVHHWKH+33KRWR6PDUWRQOLQH
+HOS
7RORDGDVWDFNRISDSHULQWKHSDSHUWUD\
3XOORXWWKHIURQWSDSHUJXLGHRQWKHSDSHUWUD\
3ODFHDVWDFNRISDSHULQWRWKHSDSHUWUD\
‡
/RDGWKHSDSHUSULQWVLGHGRZQ
‡
$OZD\VORDGSDSHULQWKHSRUWUDLWGLUHFWLRQZLWKWKHORQJHGJHDJDLQVWWKH
ORQJHGJHRIWKHSDSHUWUD\
‡
%HFDUHIXOQRWWRXVHWRRPXFKSDSHU7KHVWDFNVKRXOGEHEHORZWKHIURQW
SDSHUJXLGH
‡
8VHRQHNLQGDQGVL]HRISDSHUDWDWLPH'RQRWPL[SDSHUW\SHVRUVL]HVLQ
WKHSDSHUWUD\
0DNHVXUHWKHSKRWRWUD\LVGLVHQJDJHG
‡
2QWKHRXWSXWWUD\PRYHWKHVOLGHUYLVLEOHWKURXJKWKHRXWSXWWUD\WRZDUG
\RXDZD\IURPWKHLQVLGHRIWKHSULQWHUXQWLOLWVWRSV
$GMXVWWKHVLGHDQGIURQWSDSHUJXLGHVWRILWFORVHWRWKHHGJHVRIWKHSDSHU
ZLWKRXWEHQGLQJWKHSDSHU7KLVKHOSVWKHSDSHUIHHGLQWRWKHSULQWHUVWUDLJKW
8VLQJ3ULQW&DUWULGJHVDQG3DSHU
/RDGLQJSDSHULQWKHSKRWRWUD\
8VHWKHSULQWHU«VSKRWRWUD\WRSULQWRQ[LQFK[PPSKRWRSDSHU:KHQ
\RXXVHWKHSKRWRWUD\\RXFDQOHDYH\RXUUHJXODUSDSHULQWKHSDSHUWUD\
7RORDGSDSHULQWKHSKRWRWUD\
2QWKHRXWSXWWUD\PRYHWKHVOLGHUYLVLEOHWKURXJKWKHRXWSXWWUD\WRZDUG
\RXDZD\IURPWKHLQVLGHRIWKHSULQWHUXQWLOLWVWRSV7KLVGLVHQJDJHVWKH
SKRWRWUD\
/LIWWKHRXWSXWWUD\
/RDGSDSHULQWKHSKRWRWUD\ZLWKWKHSULQWVLGHGRZQ,I\RXDUHXVLQJWDEEHG
SDSHUIHHGRUSODFHWKHWDEEHGSDSHULQWRWKHSULQWHUVRWKDWWKHWDEIHHGVLQ
ODVW
/RZHUWKHRXWSXWWUD\WRLWVRULJLQDOSRVLWLRQ
2QWKHRXWSXWWUD\PRYHWKHVOLGHUDZD\IURP\RXWRZDUGWKHLQVLGHRIWKH
SULQWHUXQWLOLWVWRSVDJDLQVWWKHHGJHRIWKHSDSHU7KLVHQJDJHVWKHSKRWR
WUD\
:KHQ\RXDUHGRQHXVLQJWKHSKRWRWUD\GLVHQJDJHLWVRWKDWWKHSULQWHUZLOO
XVHWKHSDSHULQWKHSDSHUWUD\
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
/RDGLQJHQYHORSHV
<RXFDQSULQWRQHHQYHORSHDWDWLPHXVLQJWKHVLQJOHHQYHORSHVORWRU\RXFDQ
SULQWPXOWLSOHHQYHORSHVXVLQJWKHSDSHUWUD\
3ULQWLQJDVLQJOHHQYHORSH
‡
/RDGWKHHQYHORSHLQWRWKHVLQJOHHQYHORSHVORWZLWKWKHDGGUHVVVLGHGRZQ
DQGWKHIODSRQWKHOHIW6OLGHWKHHQYHORSHLQXQWLOLWVWRSV
7LS
6HHWKHSLFWXUHRQWKHSULQWHU
3ULQWLQJDVWDFNRIHQYHORSHV
3XOORXWWKHIURQWSDSHUJXLGHRQWKHSDSHUWUD\DQGVOLGHWKHVLGHSDSHUJXLGH
DVIDUWRWKHOHIWDVLWZLOOJR
3ODFHDVWDFNRIHQYHORSHVLQWRWKHSDSHU
WUD\
‡
/RDGWKHHQYHORSHVDJDLQVWWKHULJKW
VLGHRIWKHSDSHUWUD\
‡
/RDGWKHHQYHORSHVDGGUHVVVLGHGRZQ
ZLWKWKHIODSVRQWKHOHIW
‡
%HFDUHIXOQRWWRXVHWRRPDQ\HQYHORSHV7KHVWDFNVKRXOGILWEHORZWKH
IURQWSDSHUJXLGH
8VLQJ3ULQW&DUWULGJHVDQG3DSHU
‡
8VHRQHNLQGDQGVL]HRIHQYHORSHDWDWLPH'RQRWPL[HQYHORSHW\SHVRU
VL]HVLQWKHSDSHUWUD\
$GMXVWWKHVLGHDQGIURQWSDSHUJXLGHVWRILWFORVHWRWKHHGJHVRIWKH
HQYHORSHVZLWKRXWEHQGLQJWKHP7KLVKHOSVWKHHQYHORSHVIHHGLQWRWKH
SULQWHUFRUUHFWO\
8VLQJ+3FXVWRPSDSHUV
7KHW\SHVRISDSHU\RXFDQXVHZLWKWKH+33KRWR6PDUWSULQWHUGHSHQGRQKRZ
\RXDUHXVLQJWKHSULQWHU,I\RXDUHSULQWLQJIURP\RXUFRPSXWHU\RXKDYHPRUH
SDSHUFKRLFHVWKDQLI\RXDUHSULQWLQJIURPWKHIURQWSDQHO
<RXFDQSULQWRQPDQ\GLIIHUHQWW\SHVDQGVL]HVRISDSHU:HUHFRPPHQGXVLQJ+3
FXVWRPSDSHUVIRUWKHEHVWRXWSXWTXDOLW\)RUH[DPSOHLI\RXDUHSULQWLQJDSKRWR
EHVXUHWRSULQWRQ+3SKRWRSDSHUIRUSKRWRTXDOLW\UHVXOWV
+3SDSHUVFDQEHIRXQGDWPRVWFRPSXWHUDQGRIILFHVXSSO\VWRUHVRU\RXFDQ
RUGHUWKHPRQOLQHDW+3«V6KRSSLQJ9LOODJH
KWWSZZZVKRSSLQJKSFRP
7KHPD[LPXPDPRXQWRISDSHU\RXFDQORDGLQWKHSDSHUWUD\RUSKRWRWUD\
GHSHQGVRQWKHW\SHRISDSHU\RXDUHXVLQJ6HHWKH+33KRWR6PDUWRQOLQH+HOS
IRUPRUHLQIRUPDWLRQ
1RWH :KHQ\RXFKDQJHSDSHUVUHPHPEHUWRVHOHFWWKHFRUUHFWSDSHUW\SHDQG
VL]H,I\RXDUHSULQWLQJIURPWKHIURQWSDQHORULI\RXDUHXVLQJLQIUDUHG
XVHWKH+33KRWR6PDUWIURQWSDQHOWRPDNHWKHVHVHOHFWLRQV,I\RXDUH
SULQWLQJIURPWKHFRPSXWHUPDNHWKHVHVHOHFWLRQVLQWKHSULQWHU3URSHUWLHV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&KDSWHU
&RQQHFWLQJWKH3ULQWHUWRD&RPSXWHU
6\VWHPUHTXLUHPHQWV
,I\RXZDQWWRXVHWKH+33KRWR6PDUWSULQWHUZLWKDFRPSXWHUWKHFRPSXWHUV\VWHP
PXVWPHHWWKHIROORZLQJUHTXLUHPHQWV
&RPSRQHQW
0LQLPXP
5HFRPPHQGHG
3URFHVVRU
3HQWLXP0+]
3HQWLXP,,0+]RUEHWWHU
5$0
0%0%IRU
:LQGRZV17
0%RUPRUH
)UHHKDUGGLVNVSDFH
0%
0%RUPRUH
6RXQGFDUG
QRWUHTXLUHG
ELW6RXQG%ODVWHURU
HTXLYDOHQW
&'520
[RUEHWWHU
[RUEHWWHU
&RQQHFWLQJWKHSULQWHU
<RXFDQFRQQHFWWKH+33KRWR6PDUWSULQWHUWR\RXUFRPSXWHU«VSDUDOOHOSRUWRU
86%SRUW
8VLQJDSDUDOOHOSRUW
1RWH <RXZLOOQHHGDELGLUHFWLRQDO,(((FRPSOLDQWSULQWHUFDEOHWRFRQQHFW
WKH+33KRWR6PDUWSULQWHUWR\RXUFRPSXWHU«VSDUDOOHOSRUW7KLVFDEOH
PXVWEHSXUFKDVHGVHSDUDWHO\
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
6KXWGRZQ:LQGRZVDQGWXUQWKHFRPSXWHURII
&RQQHFWWKHSULQWHUWRWKHFRPSXWHU
XVLQJDSDUDOOHOFDEOH
3OXJLQWKHSULQWHUXVLQJWKHSRZHUFRUG
WKDWFDPHLQWKHSDFNDJH
2QWKHSULQWHUIURQWSDQHOSUHVVWKH
3RZHUEXWWRQWRWXUQWKHSULQWHURQ
7XUQRQWKHFRPSXWHU
,QVWDOOWKHSULQWHUVRIWZDUH6HHWKHVRIWZDUHLQVWDOODWLRQLQVWUXFWLRQVLQFOXGHG
VHSDUDWHO\IRUGHWDLOV
8VLQJD86%SRUW
,I\RXDUHXVLQJ:LQGRZVDQG\RXUFRPSXWHUKDVD86%SRUW\RXFDQFRQQHFW
WKHSULQWHUWRWKHFRPSXWHUXVLQJ86%
1RWH <RXZLOOQHHGD86%FDEOHWRFRQQHFWWKH+33KRWR6PDUWSULQWHUWR\RXU
FRPSXWHU«V86%SRUW7KLVFDEOHPXVWEHSXUFKDVHGVHSDUDWHO\
&RQQHFWWKHSULQWHUWRWKHFRPSXWHU
XVLQJD86%FDEOH
3OXJLQWKHSULQWHUXVLQJWKHSRZHUFRUG
WKDWFDPHLQWKHSDFNDJH
2QWKHSULQWHUIURQWSDQHOSUHVVWKH
3RZHUEXWWRQWRWXUQWKHSULQWHURQ
,QVWDOOWKHSULQWHUVRIWZDUH6HHWKHVRIWZDUHLQVWDOODWLRQLQVWUXFWLRQVLQFOXGHG
VHSDUDWHO\IRUGHWDLOV
&KDSWHU
8VLQJWKH3ULQWHUZLWKD&RPSXWHU
<RXU+33KRWR6PDUW33SULQWHUSULQWVDQ\NLQGRIGRFXPHQW\RXKDYH
FUHDWHGXVLQJ\RXUFRPSXWHU<RXFDQSULQWDQ\WKLQJIURPDQHZVOHWWHUFRQWDLQLQJ
WH[WDQGJUDSKLFVWRDFDOHQGDUFRQWDLQLQJSKRWRV\RX«YHWDNHQZLWKDGLJLWDO
FDPHUD
3ULQWLQJ
%HVXUHWRVHOHFWWKHFRUUHFWSULQWVHWWLQJVVRWKDW\RXUSULQWHGGRFXPHQWZLOOORRN
LWVEHVW
7RSULQWIURPDVRIWZDUHDSSOLFDWLRQ
)URP\RXUVRIWZDUHDSSOLFDWLRQ«V)LOHPHQXVHOHFW3ULQW
<RXUVRIWZDUHDSSOLFDWLRQ«V3ULQWGLDORJER[GLVSOD\V
1RWH 7KH3ULQWGLDORJER[LVGLIIHUHQWIRUHDFKVRIWZDUHDSSOLFDWLRQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
6HOHFWWKHSULQWVHWWLQJV
‡
0DNHVXUHWKH+33KRWR6PDUW3RU3SULQWHULVWKHVHOHFWHG
SULQWHU
‡
6HOHFWWKHSDJHV\RXZDQWWRSULQW
‡
6HOHFWWKHQXPEHURIFRSLHV
1RWH :KHUH\RXILQGWKHVHVHOHFWLRQVGHSHQGVRQWKHVRIWZDUHDSSOLFDWLRQ
\RXDUHXVLQJ<RXPD\QHHGWRFOLFND6HWXSEXWWRQ
&OLFNWKH3URSHUWLHVEXWWRQ
7KH+33KRWR6PDUWSULQWHU3URSHUWLHVGLDORJER[GLVSOD\V
6HOHFWWKH3URSHUWLHVDVDSSURSULDWHIRU\RXUSURMHFWVHHGHWDLOVEHORZ
3ULQWHU3URSHUWLHV
8VHWKHSULQWHU3URSHUWLHVWRFUHDWHFXVWRPL]HGKLJKTXDOLW\SULQWV6HHWKH+3
3KRWR6PDUWRQOLQH+HOSIRUFRPSOHWHLQIRUPDWLRQDERXWWKHSULQWHU3URSHUWLHV
1RWH (DFKWDELQWKHSULQWHU3URSHUWLHVFRQWDLQVD)DFWRU\VHWWLQJVEXWWRQ&OLFN
WKLVEXWWRQWRUHWXUQDOORIWKHWDEVHWWLQJVWRWKHIDFWRU\GHIDXOWV
6HWXS
8VHWKH6HWXSWDEWRFKDQJHSDJHVHWWLQJVVXFKDVSDSHUW\SHSDSHUVL]HDQGSULQW
TXDOLW\
)HDWXUHV
8VHWKH)HDWXUHVWDEWRVSHFLI\VHWWLQJVVXFKDVSDSHURULHQWDWLRQWKHSULQWLQJ
VHTXHQFHDQGWKHQXPEHURIFRSLHVWRSULQW
$GYDQFHG
8VHWKH$GYDQFHGWDEWRDGMXVWVHWWLQJVVXFKDVFRORU
8VLQJWKH3ULQWHUZLWKD&RPSXWHU
6HUYLFHV
8VHWKH6HUYLFHVWDEWRDFFHVVSULQWHUPDLQWHQDQFHIXQFWLRQVDQGDGGLWLRQDO
UHVRXUFHVVXFKDVWKH7RROER[
7ZRVLGHGSULQWLQJ
:KHQ\RXDUHSULQWLQJIURP\RXUFRPSXWHUDQG\RXZDQWWRSULQWRQERWKVLGHVRI
DVKHHWRISDSHUXVHWKH7ZR6LGHGSULQWLQJIHDWXUH
7RSULQWRQERWKVLGHVRIDSLHFHRISDSHU
,I\RXDUHXVLQJWKH+33KRWR6PDUW3SULQWHU
‡
2SHQWKH+33KRWR6PDUW7RROER[6HH¨2SHQLQJWKH7RROER[©RQSDJH
IRUGHWDLOV
‡
)URPWKH&RQILJXUDWLRQWDEVHOHFW$XWRPDWLF7ZR6LGHG3ULQWLQJ
0RGXOHDQGFOLFN$SSO\
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
6HOHFWWKHSULQWHU3URSHUWLHVXVLQJ\RXUVRIWZDUHDSSOLFDWLRQ6HH¨3ULQWLQJ©RQ
SDJHIRUGHWDLOV
2QWKH)HDWXUHVWDEVHOHFW7ZRVLGHGSULQWLQJ
6HOHFWDELQGLQJRSWLRQ
‡
%RRNLI\RXZDQWWRELQG\RXUGRFXPHQWRQWKHOHIWVXFKDVWKLVERRN
25
‡
7DEOHWLI\RXZDQWWRELQG\RXUGRFXPHQWDORQJWKHWRSVXFKDVD
FDOHQGDU
%RRNELQGLQJ
7DEOHWELQGLQJ
,I\RXKDYHWKH+33KRWR6PDUW3SULQWHUDQG\RXDUHSULQWLQJRQSODLQ
SDSHUVHOHFW$XWRPDWLFWRKDYHWKHSULQWHUDXWRPDWLFDOO\SULQWWKHVHFRQG
VLGH
1RWH 7KLVRSWLRQLVDYDLODEOHRQO\LI\RXKDYHWKH+33KRWR6PDUW3
SULQWHU,I\RXGRQRWVHHWKLVRSWLRQ\RXFDQPDQXDOO\UHORDGWKH
SDSHUWRSULQWWKHVHFRQGVLGH6HHEHORZIRUGHWDLOV
&OLFN2.WRFORVHWKH3URSHUWLHVGLDORJER[
&OLFN2.WREHJLQSULQWLQJWKHILUVWVLGHRI\RXUGRFXPHQW
8VLQJWKH3ULQWHUZLWKD&RPSXWHU
0DQXDOO\UHORDGLQJSDSHUWRSULQWWKHVHFRQGVLGH
:KHQWKHILUVWVLGHRI\RXUGRFXPHQWILQLVKHVSULQWLQJUHPRYHWKHSDSHUIURP
WKHRXWSXWWUD\
3ODFHWKHSDSHUEDFNLQWRWKHSDSHUWUD\
1RWH )ROORZWKHLQVWUXFWLRQVRQWKHVFUHHQWRGHWHUPLQHKRZWRSODFHWKH
SDSHULQWRWKHSDSHUWUD\
2Q\RXUFRPSXWHUVFUHHQFOLFN&RQWLQXH
8VLQJPHPRU\FDUGILOHV
,I\RXU+33KRWR6PDUWSULQWHULVFRQQHFWHGWRDFRPSXWHU\RXFDQXVH\RXUGLJLWDO
FDPHUD«VPHPRU\FDUGDVDQDGGLWLRQDOGLVNGULYH<RXFDQXVHWKHILOHVMXVWDV\RX
ZRXOGXVHILOHVVDYHGRQ\RXUFRPSXWHU«VKDUGGLVN)RUH[DPSOH\RXFDQPRYHRU
GHOHWHPHPRU\FDUGILOHVXVLQJ:LQGRZV([SORUHUDQG\RXFDQRSHQPHPRU\FDUG
ILOHVIURPZLWKLQVRIWZDUHDSSOLFDWLRQV
7RDFFHVVWKHPHPRU\FDUG
,QVHUWWKHPHPRU\FDUGLQWRWKHDSSURSULDWH+33KRWR6PDUWSULQWHUFDUGVORW
&DXWLRQ
%HVXUHWRLQVHUWWKHPHPRU\FDUGFRUUHFWO\RU\RXFRXOG
GDPDJHWKHSULQWHUDQGPHPRU\FDUG6HH¨,QVHUWLQJD
PHPRU\FDUG©RQSDJHIRUGHWDLOV
1DYLJDWHWR+33KRWR6PDUW3ULQWHU0HPRU\&DUG7KLVGHYLFHDSSHDUVDVDQ
LFRQLQWKHILOHOLVWWKDW\RXVHHZKHQ\RXFKRRVHWRRSHQDILOHIURPDQ\RIWKH
IROORZLQJ
‡
:LWKLQ\RXUVRIWZDUHDSSOLFDWLRQ
‡
:LQGRZV([SORUHU
‡
0\&RPSXWHU
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
+33KRWR6PDUW3ULQWHU0HPRU\&DUGLVDWWKHVDPHOHYHODV\RXU&GULYH
)URP+33KRWR6PDUW3ULQWHU0HPRU\&DUG\RXFDQXVHILOHVRQWKHPHPRU\
FDUGDV\RXZRXOGILOHVRQ\RXUFRPSXWHU«VKDUGGULYH)RUH[DPSOH\RXFDQ
VDYHPRYHFRS\GHOHWHRUUHQDPHWKHILOHVVWRUHGRQWKHPHPRU\FDUG)RU
PRUHLQIRUPDWLRQDERXWVDYLQJVHHEHORZ
6DYLQJSKRWRV
,I\RXDUHFRQQHFWHGWRDFRPSXWHU\RXFDQVDYHSKRWRVIURPDPHPRU\FDUGWR
\RXUFRPSXWHU«VKDUGGULYHRURWKHUVWRUDJHGHYLFHXVLQJWKHIURQWSDQHO
7RVDYHSKRWRILOHV
6HOHFWWKHSKRWRV\RXZDQWWRVDYH6HH¨6HOHFWLQJSKRWRV©RQSDJHIRU
GHWDLOV
1RWH ,I\RXVHOHFWHGWRVDYH$//3+2726\RXZLOODXWRPDWLFDOO\VDYHDOO
ILOHVRQWKHPHPRU\FDUGLQFOXGLQJQRQSKRWRVXFKDVDXGLRILOHV
2QWKHIURQWSDQHOSUHVVWKH6DYHEXWWRQ
$QHZVXEIROGHULVDXWRPDWLFDOO\FUHDWHGXVLQJWKHFXUUHQWGDWHDQGWLPHIRU
LWVQDPH7KLVVXEIROGHULVORFDWHGLQ&?0\3KRWRV
8VLQJWKH3ULQWHUZLWKD&RPSXWHU
,I\RXZDQWWRVDYH\RXUSKRWRVLQDGLIIHUHQWORFDWLRQ
‡
&OLFN
DQGVHOHFWWKHORFDWLRQ
‡
'HVHOHFW,QQHZVXEIROGHULI\RXGRQRWZDQWWRFUHDWHDVXEIROGHU,I
\RXOHDYHWKLVRSWLRQVHOHFWHGDQHZIROGHUZLOOEHFUHDWHGZLWKLQWKH
IROGHU\RXFKRVHLQWKH6DYHP\SKRWRVWRILHOG
1RWH 7KHPHVVDJHDWWKHERWWRPRIWKHZLQGRZVKRZVZKHUHWKHSKRWRVZLOO
EHVWRUHG
&OLFN6WDUW
1RWH ,I\RXGRQRWPDNHDQ\VHOHFWLRQVZLWKLQRQHPLQXWHWKH6DYHGLDORJ
ER[FORVHVDQGWKHSKRWRVDUHVDYHGWRWKHVSHFLILHGORFDWLRQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
7RVDYHQRQSKRWRILOHV
‡
,I\RXZDQWWRVDYHDOOILOHVLQFOXGLQJQRQSKRWRVXFKDVDXGLRILOHVIURPD
PHPRU\FDUGXVLQJWKHIURQWSDQHOFKRRVH$//3+2726ZKHQ\RXDUH
VHOHFWLQJWKHSKRWRV\RXZDQWWRVDYH7KHQRQSKRWRILOHVDUHDXWRPDWLFDOO\
VDYHGDORQJZLWKWKHSKRWRILOHV6HH¨6HOHFWLQJSKRWRV©RQSDJHIRUGHWDLOV
RQKRZWRVHOHFWSKRWRVXVLQJWKHIURQWSDQHO
‡
,I\RXRQO\ZDQWWRVDYHVSHFLILFILOHVVXFKDVRQHSKRWRDQGRQHQRQSKRWR
ILOHDFFHVVWKHPHPRU\FDUGGLUHFWO\XVLQJ:LQGRZV([SORUHURU0\FRPSXWHU
6HH¨8VLQJPHPRU\FDUGILOHV©RQSDJHIRULQIRUPDWLRQ
8VLQJWKH+33KRWR6PDUWSULQWHU7RROER[
<RXFDQXVHWKH+33KRWR6PDUWSULQWHU7RROER[WR
‡ YLHZWKHRQOLQHYHUVLRQRIWKLV8VHU«V ‡ FRQQHFWWRWKH+33KRWR6PDUW:HE
*XLGH
VLWH
‡ FDOLEUDWHWKHSULQWHUDQGSKRWRWUD\
‡ FOHDQWKHSULQWFDUWULGJHV
‡ SULQWDWHVWSDJH
‡ YLHZHVWLPDWHGSULQWFDUWULGJHLQN
OHYHOV
‡ YLHZSULQWFDUWULGJHRUGHULQJ
LQIRUPDWLRQVXFKDVSDUWQXPEHUV
2SHQLQJWKH7RROER[
7KHUHDUHWZRZD\VWRDFFHVVWKH+33KRWR6PDUWSULQWHU7RROER[
7RRSHQWKH7RROER[
‡
)URPWKH6WDUWPHQXVHOHFW3URJUDPV+33KRWR6PDUW33
3ULQWHU7RROER[
25
‡
)URP\RXUVRIWZDUHDSSOLFDWLRQ«VSULQWHU3URSHUWLHVVHOHFWWKH6HUYLFHVWDE
WKHQFKRRVH2SHQWKH+33KRWR6PDUW7RROER[
8VLQJWKH3ULQWHUZLWKD&RPSXWHU
3ULQWHU6HUYLFHV
7RXVHWKH3ULQWHU6HUYLFHV
‡
)URPWKH3ULQWHU6HUYLFHVWDEFOLFNRQWKHEXWWRQFRUUHVSRQGLQJWRWKHWDVN
\RXZDQWWRDFFRPSOLVKDQGIROORZWKHGLUHFWLRQVRQ\RXUFRPSXWHUVFUHHQ,I
\RXQHHGDGGLWLRQDOLQIRUPDWLRQVHHWKH+33KRWR6PDUWRQOLQH+HOS
(VWLPDWHG,QN/HYHO
<RXFDQXVHWKH+33KRWR6PDUWSULQWHU7RROER[WRFKHFNWKHSULQWFDUWULGJHLQN
OHYHO
7RXVHWKH(VWLPDWHG,QN/HYHOWDE
‡
)URPWKH(VWLPDWHG,QN/HYHOWDE\RXFDQYLHZWKHHVWLPDWHGOHYHORILQNDQG
WKHSDUWQXPEHUIRUHDFKSULQWFDUWULGJH
‡
&OLFN2UGHULQJ,QIRUPDWLRQWRYLHZSULQWFDUWULGJHRUGHULQJLQIRUPDWLRQDQG
RUGHU+3VXSSOLHVRQWKH:HE
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&RQILJXUDWLRQ
<RXFDQXVHWKH&RQILJXUDWLRQWDEWRPDNHDGGLWLRQDOVHOHFWLRQVIRU\RXUSULQWMRE
6HHWKH+33KRWR6PDUWRQOLQH+HOSIRUGHWDLOV
&KDSWHU
8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG
,I\RXUGLJLWDOFDPHUDXVHVDPHPRU\FDUGWRVWRUHSKRWRV\RXFDQLQVHUWWKH
PHPRU\FDUGLQWRWKH+33KRWR6PDUWSULQWHUWRSULQW\RXUSKRWRV7KH+3
3KRWR6PDUWSULQWHUVWHSV\RXWKURXJKWKHSURFHVV
8QGHUVWDQGLQJPHPRU\FDUGV
7KH+33KRWR6PDUWSULQWHUFDQUHDGWZRGLIIHUHQWW\SHVRIPHPRU\FDUGV
&RPSDFW)ODVK7\SH,,,
6PDUW0HGLD
8VHRQO\&RPSDFW)ODVK$VVRFLDWLRQ&)$FHUWLILHG7\SH,,,RU6PDUW0HGLD
PHPRU\FDUGVZLWKWKH+33KRWR6PDUWSULQWHU7KHVHFDUGVDUHPDQXIDFWXUHGE\
VHYHUDOYHQGRUVDQGDUHDYDLODEOHLQDYDULHW\RIVWRUDJHFDSDFLWLHV
1RWH 2WKHUW\SHVRIPHPRU\FDUGVPD\GDPDJHWKH+33KRWR6PDUW3
3SULQWHU
,QVHUWLQJDPHPRU\FDUG
2QFH\RXKDYHWDNHQSKRWRVZLWK\RXUGLJLWDOFDPHUD\RXFDQSULQWWKHP
LPPHGLDWHO\RUVDYHWKHPWR\RXUFRPSXWHUXVLQJWKH+33KRWR6PDUW3
3SULQWHU%HIRUH\RXLQVHUWDPHPRU\FDUGEHVXUHWKHSULQWHULVWXUQHG21
1RWH 7KHSULQWHUFDQRQO\DFFHVVRQHPHPRU\FDUGVORWDWDWLPH
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
7RLQVHUWDPHPRU\FDUG
‡
,QVHUWWKHPHPRU\FDUGLQWRWKHDSSURSULDWHFDUGVORW
&RPSDFW)ODVKLQVHUWWKHPHPRU\FDUGLQWRWKHERWWRPFDUGVORWVRWKDWWKH
IURQWRIWKHFDUGIDFHVDZD\IURP\RXDQGWKHHGJHZLWKSLQKROHVLVSODFHG
LQWRWKHSULQWHUILUVW
&DXWLRQ
,I\RXGRQRWLQVHUWWKHVLGHZLWKSLQKROHVLQWRWKHSULQWHU
ILUVW\RXFDQGDPDJHWKHPHPRU\FDUGWKHSULQWHURUERWK
6PDUW0HGLDLQVHUWWKHPHPRU\FDUGLQWRWKHWRSFDUGVORWVRWKDWWKHIURQWRI
WKHFDUGWKHJROGVLGHIDFHVWRZDUG\RXDQGWKHWRSRIWKHFDUGWKHHGJHZLWK
WKHQRWFKLVSODFHGLQWRWKHSULQWHUILUVW
8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG
:KHQWKHPHPRU\FDUGLVLQVHUWHGFRUUHFWO\WKHFDUGVORWLQGLFDWRUOLJKW
LOOXPLQDWHV7KH/&'VFUHHQGLVSOD\V5HDGLQJIRUDPRPHQWVKRZVWKH
QXPEHURISKRWRVIRXQGRQWKHPHPRU\FDUGWKHQGLVSOD\V$//3+2726
FRS\,QGH[
&DXWLRQ
'RQRWSXOORXWWKHPHPRU\FDUGZKLOHWKH/&'VFUHHQVD\V
5HDGLQJRUZKLOHWKHOLJKWLVEOLQNLQJ7KLVPD\GDPDJHWKH
SULQWHUWKHPHPRU\FDUGRUWKHLQIRUPDWLRQRQWKHPHPRU\
FDUG
3ULQWLQJDQLQGH[SDJH
7KHLQGH[SDJHLQFOXGHVDWKXPEQDLOGDWHILOHQDPHDQGQXPEHUIRUHDFKSKRWR
RQWKHPHPRU\FDUG,I\RX«UHSULQWLQJDQLQGH[SDJHXVLQJ+3-HW6HQGWKHLQGH[
SDJHRQO\VKRZVWKHWKXPEQDLODQGWKHSKRWRGDWH<RXFDQXVHWKHLQGH[SDJHWR
GHWHUPLQHZKLFKSKRWRV\RXZDQWWRSULQWRUVDYH<RXFDQDOVRNHHSDSULQWRXWRI
WKHLQGH[SDJHZLWK\RXUPHPRU\FDUGVRWKDW\RX«OODOZD\VEHDEOHWRVHHDWD
JODQFHZKDWLVRQWKHPHPRU\FDUG1RWHWKDWWKHLQGH[¨SDJH©PD\EHVHYHUDO
SDJHVLI\RXKDYHDORWRISKRWRVRQ\RXUPHPRU\FDUG
7RSULQWDQLQGH[SDJH
,QVHUWWKHPHPRU\FDUGLQWRWKHSULQWHU6HH¨,QVHUWLQJDPHPRU\FDUG©RQSDJH
IRUGHWDLOV
6HWWKHSULQWHUWRSULQW$//3+2726FRS\,QGH[,IWKLVLVQRWWKHVHWWLQJ
VKRZQRQWKH/&'SUHVV&DQFHO1RWRJHWWRWKLVVHWWLQJ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
3UHVVWKH3ULQWEXWWRQ
,I\RXDUHDVNHGDERXWWKHW\SHRISDSHU\RXDUHXVLQJSUHVVWKH&DQFHO1R
EXWWRQXQWLOWKH/&'GLVSOD\VWKHW\SHRISDSHU\RXDUHSULQWLQJRQDQGWKHQ
SUHVVWKH2.<HVEXWWRQ
,I\RXDUHDVNHGDERXWWKHVL]HRISDSHU\RXDUHXVLQJSUHVVWKH&DQFHO1R
EXWWRQXQWLOWKH/&'GLVSOD\VWKHVL]HRISDSHU\RXDUHSULQWLQJRQDQGWKHQ
SUHVVWKH2.<HVEXWWRQ
7KHSULQWHUEHJLQVSULQWLQJDQLQGH[SDJH
:KHQWKHLQGH[SDJHILQLVKHVSULQWLQJUHYLHZWKHWKXPEQDLOVRIHDFKSKRWRWR
GHFLGHZKLFKSKRWRV\RXZDQWWRSULQWRUVDYH8VHWKHQXPEHUEHORZHDFK
WKXPEQDLODVWKHSKRWRQXPEHU\RXVHOHFWZKHQSULQWLQJRUVDYLQJSKRWRV
1RWH 7KLVQXPEHUPD\EHGLIIHUHQWWKDQWKHQXPEHUDVVRFLDWHGZLWKWKH
SKRWRRQ\RXUGLJLWDOFDPHUD,I\RXDGGSKRWRVWRRUGHOHWHSKRWRV
IURP\RXUPHPRU\FDUG\RXZLOOQHHGWRUHSULQWWKHLQGH[SDJHWRVHH
WKHQHZLQGH[QXPEHUV
6HOHFWLQJSKRWRV
%HIRUHVHOHFWLQJWKHSKRWRVWRSULQWRUVDYHGHFLGHZKLFKSKRWRV\RXZDQWWRXVH
8VHDQLQGH[SDJHVHH¨3ULQWLQJDQLQGH[SDJH©RQSDJHRUXVH\RXUGLJLWDO
FDPHUDVHH\RXUGLJLWDOFDPHUD«VGRFXPHQWDWLRQWRYLHZSKRWRWKXPEQDLOVVRWKDW
\RXFDQGHFLGHZKLFKSKRWRVWRSULQWRUVDYH
8VLQJWKHIURQWSDQHO
7RVHOHFWSKRWRVXVLQJWKHIURQWSDQHO
0DNHVXUHWKHPHPRU\FDUGLVLQWKHSULQWHU6HH¨,QVHUWLQJDPHPRU\FDUG©RQ
SDJHIRUGHWDLOV
3UHVVWKH&KRRVH3KRWRVEXWWRQXQWLOWKH/&'GLVSOD\VWKHQXPEHURIDSKRWR
\RXZDQWWRVHOHFWRU$//LI\RXZDQWWRVHOHFWHYHU\SKRWRRQWKHPHPRU\
FDUG
8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG
3UHVVWKH2.<HVEXWWRQ
,I\RXGLGQRWVHOHFW$//WKH/&'GLVSOD\VDVSDFHZKHUH\RXFDQVHOHFW
DQRWKHUSKRWR
# 3, 6, _
‡
,I\RXZDQWWRVHOHFWDGGLWLRQDOSKRWRVSUHVVWKH&KRRVH3KRWRVEXWWRQ
XQWLOWKH/&'GLVSOD\VWKHQXPEHURIDSKRWR\RXZDQWWRVHOHFWWKHQ
SUHVVWKH2.<HVEXWWRQ5HSHDWWKLVVWHSWRFRQWLQXHVHOHFWLQJDGGLWLRQDO
SKRWRV
1RWH ,I\RXZDQWWRSULQWPXOWLSOHFRSLHVRIWKHVDPHSKRWR\RXFDQVHOHFW
WKHVDPHQXPEHUPRUHWKDQRQFH)RUH[DPSOHVHOHFWLQJ
ZLOOSULQWWZRFRSLHVRISKRWRQXPEHUWKUHHWZRFRSLHVRISKRWR
QXPEHUVL[DQGRQHFRS\RISKRWRQXPEHUQLQH
:KHQ\RXKDYHILQLVKHGVHOHFWLQJSKRWRVSUHVVWKH2.<HVEXWWRQ
7RVHOHFWDFRQWLQXRXVUDQJHRISKRWRV
‡
3UHVVDQGKROGGRZQWKH2.<HVEXWWRQIRUDERXWWKUHHVHFRQGV
)RUH[DPSOHLI\RXZDQWWRVHOHFWSKRWRVDQG
3UHVVWKH&KRRVH3KRWRVEXWWRQXQWLOWKH/&'GLVSOD\VWKHSKRWRQXPEHU
3UHVVDQGKROGGRZQWKH2.<HVEXWWRQXQWLODGDVKDSSHDUVRQWKH/&'
3UHVVWKH&KRRVH3KRWRVEXWWRQXQWLOWKHSKRWRQXPEHUDSSHDUVRQWKH
/&'DIWHUWKHGDVK
3UHVVWKH2.<HVEXWWRQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
8VLQJ'LJLWDO3ULQW2UGHU)RUPDW'32)ILOHV
'32)ILOHVDUHILOHVWKDW\RXFUHDWHXVLQJ\RXUGLJLWDOFDPHUD7KH\DUHVWRUHGRQ
WKHPHPRU\FDUGDQGFRQWDLQLQIRUPDWLRQVXFKDVZKLFKSKRWRVDUHVHOHFWHGDQG
KRZPDQ\RIHDFKSKRWRLVWREHSULQWHGRUVDYHG7KHSULQWHUFDQUHDGD'32)ILOH
IURPDPHPRU\FDUGVRWKDW\RXGRQ«WKDYHWRUHVHOHFWWKHSKRWRVWRSULQWRUVDYH
7RXVHD'32)ILOHZLWK\RXU+33KRWR6PDUWSULQWHU
6HOHFWWKHSKRWRV\RXZDQWWRXVHE\FUHDWLQJD'32)ILOHRQ\RXUGLJLWDO
FDPHUD7KHVHWWLQJV\RXFDQVSHFLI\VXFKDVQXPEHURIFRSLHVDUHVSHFLILFWR
\RXUFDPHUD6HH\RXUGLJLWDOFDPHUD«VGRFXPHQWDWLRQIRUGHWDLOVRQKRZWR
FUHDWHD'32)ILOH
,QVHUWWKHPHPRU\FDUGLQWRWKHSULQWHU
7KHSULQWHUDXWRPDWLFDOO\UHFRJQL]HVWKH'32)ILOHRQWKHPHPRU\FDUGDQG
DVNVLI\RXZDQWWRXVHWKHILOH
3UHVV2.<HV7KH/&'UHDGV
- - &RQWLQXHSULQWLQJDVGHVFULEHGEHORZ
8VLQJWKH3ULQWHUZLWKD0HPRU\&DUG
3ULQWLQJSKRWRV
8VHWKHSULQWHU«VIURQWSDQHOWRSULQWSKRWRVIURPDPHPRU\FDUG1RWHWKDWWKH
OD\RXWRI\RXUSKRWRVKRZWKH\DUHSODFHGRQWKHSDJHGHSHQGVRQVHYHUDO
IDFWRUV
‡
3KRWRVL]H
‡
2ULHQWDWLRQFKRVHQRQ\RXUGLJLWDOFDPHUD
‡
2UGHULQZKLFK\RXVHOHFWWKHSKRWRV
‡
3KRWR$OEXPYV3DSHU6DYHUVHWWLQJLQ3URSHUWLHVVHH¨6HOHFWLQJWKHSDJH
OD\RXW©RQSDJHIRUGHWDLOV
7RSULQWSKRWRVIURPDPHPRU\FDUG
6HOHFWWKHSKRWRV\RXZDQWWRSULQW6HH¨6HOHFWLQJSKRWRV©RQSDJHIRU
GHWDLOV
6HOHFWWKHSKRWRVL]HSUHVVWKH3KRWR6L]HEXWWRQXQWLOWKH/&'GLVSOD\VWKH
FRUUHFWSKRWRVL]H
6HOHFWWKHQXPEHURIFRSLHVSUHVVWKH&RSLHVEXWWRQXQWLOWKH/&'VFUHHQ
GLVSOD\VWKHQXPEHURIFRSLHV\RXZDQWWRSULQW
:KHQ\RXFKRRVHWRSULQWPRUHWKDQRQHFRS\WKHSKRWRZLOOSULQWDVIROORZV
LI\RXVHOHFWWZRFRSLHVRISKRWRVDQGWKHSKRWRVZLOOSULQWLQWKHRUGHU
1RWH ,I\RXDUHXVLQJD'32)ILOHWKHSULQWHUZLOOSULQWWKHTXDQWLW\
GHVLJQDWHGLQWKH'32)ILOH
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
3UHVVWKH3ULQWEXWWRQ
,I\RXDUHDVNHGDERXWWKHW\SHRISDSHU\RXDUHXVLQJSUHVVWKH&DQFHO1R
EXWWRQXQWLOWKH/&'GLVSOD\VWKHW\SHRISDSHU\RXDUHSULQWLQJRQDQGWKHQ
SUHVVWKH2.<HVEXWWRQ
7LS
,I\RXDUHSULQWLQJDSKRWRXVH+3SKRWRSDSHUIRUEHVWUHVXOWV
,I\RXDUHDVNHGDERXWWKHVL]HRISDSHU\RXDUHXVLQJSUHVVWKH&DQFHO1R
EXWWRQXQWLOWKH/&'GLVSOD\VWKHVL]HRISDSHU\RXDUHSULQWLQJRQDQGWKHQ
SUHVVWKH2.<HVEXWWRQ
1RWH <RXFDQVHWWKHGHIDXOWSDSHUW\SHDQGVL]HXVLQJWKH7RROVEXWWRQ6HH
¨8VLQJWKH+33KRWR6PDUWSULQWHUWRROV©RQSDJHIRUPRUH
LQIRUPDWLRQ7KLVKHOSV\RXDYRLGKDYLQJWRVHOHFWWKHVHWZRVHWWLQJV
HYHU\WLPH\RXSULQWXVLQJWKHIURQWSDQHO
$IWHUSULQWLQJ\RXFDQ
‡
3ULQWDQRWKHUFRS\XVLQJWKHVDPHVHWWLQJV E\SUHVVLQJWKH3ULQWEXWWRQ
‡
6DYHWKHVHOHFWHGSKRWRV WRWKHFRPSXWHUE\SUHVVLQJWKH6DYHEXWWRQ1RWH
WKDW\RXUFRPSXWHUPXVWEHFRQQHFWHGWRWKHSULQWHUDQGWXUQHGRQ
‡
6HWXSDQRWKHUSULQWMREE\SUHVVLQJWKH&DQFHO1REXWWRQWRFOHDUWKHFXUUHQW
VHWWLQJV7KLVUHVHWVWKH/&'WR$//3+2726FRS\,QGH[
&KDSWHU
8VLQJWKH3ULQWHUZLWK+3-HW6HQG
,I\RXUGLJLWDOFDPHUDKDV+3-HW6HQGLQIUDUHGFDSDELOLW\\RXFDQWUDQVIHU\RXU
SKRWRVGLUHFWO\IURP\RXUGLJLWDOFDPHUDWRWKH+33KRWR6PDUWSULQWHUIRUIDVW
ZLUHOHVVSULQWLQJ$IWHU\RXWUDQVIHUWKHSKRWRV\RXFDQSULQWWKHPLPPHGLDWHO\RU
VDYHWKHPWR\RXUFRPSXWHU
1RWH <RXUGLJLWDOFDPHUDPXVWXVH+3-HW6HQGWRWUDQVIHULQIRUPDWLRQYLD
LQIUDUHG5HIHUWR\RXUGLJLWDOFDPHUD«VGRFXPHQWDWLRQWRVHHLI\RXUGLJLWDO
FDPHUDXVHV+3-HW6HQG
8VLQJ+3-HW6HQGWRSULQWRUVDYHSKRWRV
:KHQ\RXXVHLQIUDUHGWRWUDQVIHUSKRWRV\RXUFDPHUDDQGSULQWHUPXVW
FRPPXQLFDWHGXULQJWKHHQWLUHSURFHVV3RLQWWKHFDPHUDWRZDUGWKHSULQWHUDQG
OHDYHLWWKHUHXQWLOWKHSURFHVVLVFRPSOHWH
7RVHQGSKRWRVWRWKHSULQWHUXVLQJLQIUDUHG
,I\RXDUHJRLQJWRXVHWKHIURQWSDQHOWRSULQWWKHSKRWRV\RXDUHWUDQVIHUULQJ
VHOHFWWKHSKRWRVL]HSDSHUW\SHDQGSDSHUVL]H6HH¨3ULQWLQJSKRWRV©RQSDJH
IRUGHWDLOV
1RWH ,I\RXGRQRWVHOHFWWKHVHRSWLRQVWKH+33KRWR6PDUWSULQWHUXVHVWKH
PRVWUHFHQWVHWWLQJV
8VLQJ\RXUGLJLWDOFDPHUDVHOHFWWKHSKRWRV\RXZDQWWRWUDQVIHU6HH\RXU
GLJLWDOFDPHUD«VGRFXPHQWDWLRQIRUGHWDLOVRQVHOHFWLQJSKRWRV
$LP\RXUGLJLWDOFDPHUD«VLQIUDUHGSRUWWRZDUGWKHLQIUDUHGSRUWRQWKH+3
3KRWR6PDUWSULQWHUDQGVHQGWKHSKRWRV
1RWH +RZ\RXVHQGWKHSKRWRGHSHQGVRQ\RXUGLJLWDOFDPHUD6HH\RXU
GLJLWDOFDPHUD«VGRFXPHQWDWLRQIRUGHWDLOV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
LQIUDUHGSRUW
DLP\RXUGLJLWDO
FDPHUDKHUH
7KHSULQWHU«V/&'GLVSOD\V&RQQHFWLQJZKHQLWVWDUWVFRPPXQLFDWLQJZLWK
WKHGLJLWDOFDPHUD&RQWLQXHWRNHHSWKHGLJLWDOFDPHUDDLPHGDWWKHSULQWHU«V
LQIUDUHGSRUWZKLOHWKH/&'GLVSOD\V5HFHLYLQJ
:KHQWKHSULQWHU/&'DVNVZKHWKHU\RXZDQWWRSULQWRUVDYHSUHVVRQHRIWKH
IROORZLQJEXWWRQVRQWKHSULQWHU«VIURQWSDQHO
‡
3ULQWLI\RXZDQWWRSULQWWKHSKRWRV
25
‡
6DYHLI\RXZDQWWRVDYHWKHSKRWRV
:KHQWKHSULQWHU/&'DVNVLI\RXZDQWWRVHQGPRUHSKRWRVIURPWKHGLJLWDO
FDPHUDWRWKHSULQWHUXVLQJLQIUDUHG
‡
2QWKHIURQWSDQHOSUHVVWKH2.<HVEXWWRQWREHJLQSULQWLQJRUVDYLQJ
25
‡
)URPWKHGLJLWDOFDPHUDVHQGPRUHSKRWRV
7KHSULQWHUEHJLQVSULQWLQJRUVDYLQJ\RXUSKRWRV
8VLQJWKH3ULQWHUZLWK+3-HW6HQG
7LSVIRUXVLQJ+3-HW6HQG
‡
:KHQSRVLWLRQLQJWKHGLJLWDOFDPHUDIRUVHQGLQJSKRWRVEHVXUHWKHUHLVDFOHDU
OLQHRIVLJKWEHWZHHQWKHGLJLWDOFDPHUDDQGWKHSULQWHULQIUDUHGSRUW,I
VRPHWKLQJLVEORFNLQJWKHZD\WKHGLJLWDOFDPHUDDQGSULQWHUZLOOQRWEHDEOH
WRFRPPXQLFDWHDQGSKRWRVZLOOQRWEHWUDQVIHUUHG
‡
,WPD\KHOSWRSODFHWKHGLJLWDOFDPHUDRQDWDEOHDQGWKHQDLPLWWRZDUGWKH
SULQWHUVRLWLVVWDWLRQDU\GXULQJWKHHQWLUHWUDQVIHUSURFHVV7KLVKHOSVWRDYRLG
DQ\LQWHUUXSWLRQVLQFRPPXQLFDWLRQEHWZHHQWKHSULQWHUDQGGLJLWDOFDPHUD
‡
<RXUGLJLWDOFDPHUDPD\KDYHD6HQGEXWWRQIRULQIUDUHG,ILWGRHVDLPWKH
GLJLWDOFDPHUDWRZDUGVWKH+33KRWR6PDUWSULQWHULQIUDUHGSRUWDQGSUHVVWKH
6HQGEXWWRQ
‡
,IWKHSULQWHUGRHVQRWUHFHLYHWKHSKRWRVWU\DGMXVWLQJWKHGLVWDQFHEHWZHHQ
WKHGLJLWDOFDPHUDDQGWKHSULQWHU6RPHWLPHVPRYLQJFORVHURUIDUWKHUDZD\
FDQKHOS\RXVXFFHVVIXOO\WUDQVIHUWKHSKRWRV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&KDSWHU
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
7KH+33KRWR6PDUWSULQWHULVGHVLJQHGWREHUHOLDEOHDQGHDV\WRXVH,I\RXKDYH
TXHVWLRQVWKHUHDUHVHYHUDOUHVRXUFHVIRUILQGLQJDQVZHUV
8VLQJWKHFRPSXWHU
7KH+33KRWR6PDUWSULQWHUVRIWZDUHLQFOXGHVIHDWXUHVWRDVVLVW\RXLQ
WURXEOHVKRRWLQJ,I\RXUSULQWHULVFRQQHFWHGWR\RXUFRPSXWHU\RXFDQXVHWKH
IROORZLQJUHVRXUFHV
7KH+33KRWR6PDUW7RROER[
7KH+33KRWR6PDUW7RROER[FRQWDLQVWRROVDQGLQIRUPDWLRQWRKHOS\RX
WURXEOHVKRRWVLWXDWLRQV)RUGHWDLOVVHH¨8VLQJWKH+33KRWR6PDUWSULQWHU7RROER[©
RQSDJH
&RPPXQLFDWLRQVWURXEOHVKRRWLQJ
,I\RXDUHXQDEOHWRHVWDEOLVKWZRZD\FRPPXQLFDWLRQEHWZHHQWKHSULQWHUDQGWKH
FRPSXWHUWU\WKHIROORZLQJ
,I\RXDUHXVLQJDSDUDOOHOSRUW
‡
0DNHVXUH\RXDUHXVLQJDELGLUHFWLRQDO,(((FRPSOLDQWSDUDOOHOLQWHUIDFH
FDEOHDQGWKDWWKHFDEOHLVSOXJJHGLQWLJKWO\WRWKHFRPSXWHUDQGWKHSULQWHU
‡
,I\RXDUHXVLQJDVZLWFKER[WU\FRQQHFWLQJWKHSULQWHUGLUHFWO\WRWKH
FRPSXWHU
,I\RXDUHXVLQJD86%SRUW
‡
0DNHVXUHWKHFRPSXWHU«V86%SRUWLVHQDEOHGDQGSURSHUO\FRQILJXUHGDQG
WKDWWKHFDEOHLVSOXJJHGLQWLJKWO\WRWKHFRPSXWHUDQGWKHSULQWHU
‡
,I\RXDUHVWLOOXQDEOHWRHVWDEOLVKWZRZD\FRPPXQLFDWLRQXVLQJWKH86%SRUW
\RXFDQWU\FRQQHFWLQJWKHSULQWHUWRWKHFRPSXWHUXVLQJWKHSDUDOOHOSRUW
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
‡
6HHWKH+33KRWR6PDUW:HEVLWHIRUPRUHLQIRUPDWLRQDERXW86%SRUWVHWXS
KWWSZZZSKRWRVPDUWFRP
8VLQJDGLJLWDOFDPHUD
,I\RXDUHXVLQJDGLJLWDOFDPHUDZLWKWKH+33KRWR6PDUWSULQWHUDQG\RXKDYH
SUREOHPVRUTXHVWLRQVFKHFN\RXUGLJLWDOFDPHUD«VGRFXPHQWDWLRQIRUVROXWLRQV
&OHDULQJDSDSHUMDP
,IWKHSDSHUMDPVLQWKHSULQWHU
3XOOWKHSDSHURXWRIWKHSDSHUWUD\RURXWSXWWUD\
3UHVVWKH&DQFHO1REXWWRQRQWKHSULQWHU«VIURQWSDQHOWRFOHDUWKHSDSHUMDP
PHVVDJH
,IWKHSDSHUMDPPHVVDJHFOHDUHGSULQW\RXUGRFXPHQWDJDLQ,IWKHSDSHUMDP
PHVVDJHGLGQRWFOHDUDQG\RXFDQQRWUHPRYHWKHSDSHUIURPWKHSDSHUWUD\
RURXWSXWWUD\VHHEHORZ
,IWKHSDSHUMDPVLQWKHEDFNRIWKHSULQWHU3
5HPRYHWKH+33KRWR6PDUWSULQWHUUHDUDFFHVVGRRUWXUQWKHNQRERQWKHGRRU
FRXQWHUFORFNZLVHWXUQDQGUHPRYHWKHGRRU
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
&DUHIXOO\SXOOWKHMDPPHGSDSHURXWRIWKHSULQWHU
5HSODFHWKHUHDUDFFHVVGRRU%HVXUHWRORFNWKHUHDUDFFHVVGRRUE\WXUQLQJ
WKHNQREFORFNZLVHWRWKHORFNHGSRVLWLRQ
3UHVVWKH&DQFHO1REXWWRQRQWKHSULQWHU«VIURQWSDQHOWRFOHDUWKHSDSHUMDP
PHVVDJH
3ULQW\RXUGRFXPHQWDJDLQ
,IWKHSDSHUMDPVLQWKHEDFNRIWKHSULQWHU3
&KHFNWKHIROORZLQJDUHDV
‡
$XWRPDWLFWZRVLGHGSULQWLQJPRGXOHWKLVPRGXOHLVDWWDFKHGWRWKHEDFN
RIWKHSULQWHURSHQWKHGRRUSUHVVWKHEXWWRQRQWKHWRSRIWKHPRGXOH
SXOOWKHMDPPHGSDSHURXWDQGFORVHWKHGRRU
‡
%DFNRIWKHSULQWHU5HPRYHWKHWZRVLGHGSULQWLQJPRGXOHSUHVVWKH
EXWWRQVRQWKHVLGHVRIWKHPRGXOHDQGUHPRYHWKHPRGXOHIURPWKH
SULQWHUSXOOWKHMDPPHGSDSHURXWRIWKHEDFNRIWKHSULQWHUDQGUHSODFH
WKHWZRVLGHGSULQWLQJPRGXOH
3UHVVWKH&DQFHO1REXWWRQRQWKHSULQWHU«VIURQWSDQHOWRFOHDUWKHSDSHUMDP
PHVVDJH
3ULQW\RXUGRFXPHQWDJDLQ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
&RPPRQTXHVWLRQVDQGDQVZHUV
)UHTXHQWO\DVNHGTXHVWLRQV
4XHVWLRQ
$QVZHU
+RZFDQ,SULQWWZR
‡ 0RVWSKRWRLPDJLQJVRIWZDUHDSSOLFDWLRQVDOORZ\RXWR
GLIIHUHQWVL]HVRISKRWRV VHWXSWKHSDJH\RXDUHJRLQJWRSULQWVRWKDW\RXFDQ
RQWKHVDPHSDJH"
SULQWWZRGLIIHUHQWVL]HVRISKRWRVRQRQHSDJH6HH
\RXUVRIWZDUH«VGRFXPHQWDWLRQIRUGHWDLOV
1RWH :KHQSULQWLQJIURPDPHPRU\FDUGRUXVLQJ+3
-HW6HQGDOOSKRWRVLQDSULQWMREZLOOEHWKH
VDPHVL]H
+RZGR,SULQWDSKRWR ‡ 7KHUHDUHWZRGLIIHUHQWPHWKRGV<RXFDQSULQWPXOWLSOH
PXOWLSOHWLPHVRQRQH
FRSLHVRIVHOHFWHGSKRWRV6HH¨3ULQWLQJSKRWRV©RQ
VKHHWRISDSHU"
SDJHIRUGHWDLOV<RXFDQDOVRVHOHFWWKHSKRWR
QXPEHUPXOWLSOHWLPHVXVLQJWKHIURQWSDQHO6HH
¨6HOHFWLQJSKRWRV©RQSDJHIRUPRUHLQIRUPDWLRQ
7URXEOHVKRRWLQJ
3UREOHP
6ROXWLRQ
7KHPHPRU\FDUGLVLQ ‡ 0DNHVXUHWKHPHPRU\FDUGLVLQVHUWHGFRUUHFWO\6HH
WKHFDUGVORWEXW
¨,QVHUWLQJDPHPRU\FDUG©RQSDJHIRUPRUH
QRWKLQJLVKDSSHQLQJ
LQIRUPDWLRQ
1RSDJHFDPHRXWRI
WKHSULQWHU
‡ 0DNHVXUHWKH3RZHUOLJKWLVRQDQGDOOFRQQHFWLRQVDUH
VHFXUH
‡ ,IWKH3RZHUOLJKWLVEOLQNLQJWKHSULQWHULVSURFHVVLQJ
LQIRUPDWLRQ%HSDWLHQW
‡ &KHFNWRVHHLIWKH$WWHQWLRQOLJKWLVEOLQNLQJ,ILWLV
UHDGWKH/&'PHVVDJH
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
3ULQWHUVRIWZDUHGRHV
QRWLQVWDOO
‡ 0DNHVXUHWKH&'520GULYHLQ\RXUFRPSXWHULV
ZRUNLQJ
‡ 0DNHVXUHWKH&'LVSURSHUO\ORDGHGLQ\RXU&'520
GULYH
‡ ,I\RXVXVSHFWWKH&'LVIODZHGFRQWDFW+3&XVWRPHU
&DUH6HH¨&RQWDFWLQJ+3&XVWRPHU&DUH©RQSDJH
IRUPRUHLQIRUPDWLRQ
$EODQNSDJHFDPHRXW ‡ 0DNHVXUH\RXKDYHUHPRYHGWKHSURWHFWLYHSLHFHVRI
RIWKHSULQWHU
WDSHRQWKHSULQWFDUWULGJHV6HH¨5HSODFLQJSULQW
FDUWULGJHV©RQSDJHIRUPRUHLQIRUPDWLRQ
‡ 0DNHVXUH\RXDUHQRWRXWRILQN6HH¨3ULQWLQJDWHVW
SDJH©RQSDJHIRUPRUHLQIRUPDWLRQ
7H[WRUJUDSKLFVDUHLQ ‡ 0DNHVXUH\RXKDYHVHOHFWHGWKHFRUUHFWRULHQWDWLRQ
WKHZURQJSODFH
SRUWUDLWRUODQGVFDSH6HHWKH+33KRWR6PDUWRQOLQH
+HOSIRUGHWDLOVDERXWVHOHFWLQJWKHSDSHURULHQWDWLRQ
3KRWROD\RXWLVQ«WZKDW, ‡ ,ISKRWRVDUHRULHQWHGLQFRUUHFWO\LWPD\EHWKDW\RXU
H[SHFWHG
FDPHUDGRHVQ«WVWRUHWKHSKRWRRULHQWDWLRQLQIRUPDWLRQ
,IWKHSULQWHUGRHVQ«WJHWWKLVLQIRUPDWLRQLWILWVDVPDQ\
SKRWRVDVSRVVLEOHRQWKHSDJH
7H[WLVUXQQLQJRIIWKH ‡ 0DNHVXUH\RXKDYHVHOHFWHGWKHFRUUHFWSDSHUVL]HLQ
HGJHRIWKHSDJH
WKHSULQWHU3URSHUWLHVLI\RXDUHXVLQJDFRPSXWHURU
RQWKHIURQWSDQHO
‡ 0DNHVXUHWKHPDUJLQVDUHVHWFRUUHFWO\LQ\RXU
VRIWZDUHSURJUDP
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
7KHSULQWTXDOLW\LV
SRRU
‡ 0DNHVXUH\RXDUHXVLQJWKHFRUUHFWW\SHRISDSHU6HH
WKHRQOLQH+HOSIRUPRUHLQIRUPDWLRQDERXWSDSHU
W\SHV
‡ 0DNHVXUHWKHFRUUHFWSDSHUW\SHLVVHOHFWHGRQWKH
IURQWSDQHORULQWKH+33KRWR6PDUWSULQWHU3URSHUWLHV
‡ 0DNHVXUHWKHSDSHULVORDGHGSULQWVLGHGRZQLQWKH
SDSHUWUD\
‡ ,IWKHSULQWLQJDSSHDUVIDGHGRUGXOOVHOHFW1RUPDORU
%HVWLQVWHDGRI'UDIWDVWKHSULQWTXDOLW\RQWKH6HWXS
WDELQWKHSULQWHU3URSHUWLHV
‡ ,IWKHFRORUVEOHHGRUWKHLQNVPHDUVVHOHFW'UDIWRU
1RUPDOLQVWHDGRI%HVWDVWKHSULQWTXDOLW\RQWKH6HWXS
WDELQWKHSULQWHU3URSHUWLHV0DNHVXUHWKHFRUUHFW
SDSHUW\SHLVVHOHFWHG
‡ 0DNHVXUH\RXDUHQRWORZRQLQN6HH¨'HWHUPLQLQJLID
SULQWFDUWULGJHLVORZRQLQN©RQSDJHIRUPRUH
LQIRUPDWLRQ
‡ <RXPD\QHHGWRFOHDQWKHSULQWFDUWULGJHV6HH
¨&OHDQLQJWKHSULQWFDUWULGJHV©RQSDJHIRUPRUH
LQIRUPDWLRQ
‡ <RXPD\QHHGWRFDOLEUDWHWKHSULQWHU6HH¨8VLQJWKH
+33KRWR6PDUWSULQWHU7RROER[©RQSDJHIRUPRUH
LQIRUPDWLRQ
‡ ,I\RXDUHXVLQJD86%FRQQHFWLRQDYRLGXVLQJRWKHU
86%GHYLFHVVXFKDVVFDQQHUVRUGLJLWDOFDPHUDVZKLOH
SULQWLQJ
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
6RPHWKLQJLVPLVVLQJ
IURPWKHSDJH
‡ 0DNHVXUHWKHPDUJLQVDUHVHWFRUUHFWO\LQ\RXU
VRIWZDUHSURJUDP
‡ 0DNHVXUH\RXKDYHVHOHFWHGWKHFRUUHFWSDSHUVL]H
&RORUVDUHZURQJRU
PLVVLQJ
‡ 0DNHVXUH\RXGLGQRWVHOHFW3ULQWLQ*UD\VFDOHRQWKH
$GYDQFHGWDELQWKHSULQWHU3URSHUWLHV
‡ <RXPD\QHHGWRFOHDQWKHSULQWFDUWULGJHV6HH
¨&OHDQLQJWKHSULQWFDUWULGJHV©RQSDJHIRUPRUH
LQIRUPDWLRQ
‡ <RXPD\QHHGWRUHSODFHRQHRUERWKRIWKHSULQW
FDUWULGJHV6HH¨5HSODFLQJSULQWFDUWULGJHV©RQSDJH
IRUPRUHLQIRUPDWLRQ
0\SKRWRVDUHQRW
WUDQVIHUULQJXVLQJ
LQIUDUHG
‡ 7U\DGMXVWLQJWKHGLVWDQFHEHWZHHQWKHGLJLWDOFDPHUD
DQGWKHSULQWHU6RPHWLPHVPRYLQJFORVHURUIDUWKHU
DZD\FDQKHOS\RXVXFFHVVIXOO\WUDQVIHUWKHSKRWRV
6HH¨7LSVIRUXVLQJ+3-HW6HQG©RQSDJHIRUPRUH
+3-HW6HQGWLSV
*HWWLQJDVVLVWDQFH
+33KRWR6PDUWRQWKH,QWHUQHW
<RXFDQJHWSURMHFWLGHDVWURXEOHVKRRWLQJDVVLVWDQFHDQGXSGDWHGVRIWZDUHIURP
+3«V3KRWR6PDUW:HEVLWH)RUXSWRGDWHLQIRUPDWLRQFKHFNKHUHILUVWZKHQHYHU
\RXKDYHDTXHVWLRQDERXW\RXU+33KRWR6PDUWSULQWHURUVRIWZDUH7KHDGGUHVVLV
KWWSZZZSKRWRVPDUWFRP
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
+3FRPPXQLW\IRUXP
+3XVHUFRPPXQLWLHVDUHSODFHVZKHUH\RXFDQSRVWPHVVDJHVDQGUHFHLYHKHOSIXO
VXSSRUWDQGWLSV7KH3KRWR6PDUWIRUXPLVKRVWHGE\+3IRUXVHUVRI+3
3KRWR6PDUWSURGXFWV,WFDQEHDFFHVVHGIURPWKH+33KRWR6PDUWVXSSRUW:HEVLWH
JRWRKWWSZZZSKRWRVPDUWFRPDQGVHOHFW6XSSRUW
9LHZLQJRQOLQH+HOS
,I\RXDUHXVLQJWKHSULQWHUZLWK\RXUFRPSXWHU\RXFDQDFFHVVWKH+33KRWR6PDUW
SULQWHURQOLQH+HOS7KLVRQOLQH+HOSFRQWDLQV¨KRZWR©LQIRUPDWLRQDVZHOODV
WURXEOHVKRRWLQJVXJJHVWLRQV
7RYLHZRQOLQH+HOS
‡
)URPWKH:LQGRZV6WDUWPHQXVHOHFW3URJUDPV+33KRWR6PDUW3
33ULQWHU+HOS
&RQWDFWLQJ+3&XVWRPHU&DUH
+3&XVWRPHU&DUH2QOLQH
&OLFN\RXUZD\WRDJUHDWVROXWLRQ7KH+33KRWR6PDUW:HEVLWH
KWWSZZZSKRWRVPDUWFRPLVDJUHDWSODFHWRVWDUWIRUDQVZHUVWRTXHVWLRQV
DERXW\RXU+3SURGXFWV<RX«OOJHWLQVWDQWDFFHVVWRKHOSIXOWLSVDQGWULFNV
GRZQORDGDEOHGULYHUVDQGWKHODWHVWSURGXFWDQGVRIWZDUHXSGDWHV§KRXUVD
GD\GD\VDZHHN$OODWQRFKDUJHWR\RX
+3&XVWRPHU&DUHE\3KRQH
:KHQ\RXZDQWWRWDONWRXVGLUHFWO\+3&XVWRPHU&DUH&HQWHUDJHQWVDUHUHDG\WR
WDNH\RXUFDOO<RX«OOEHFRQQHFWHGZLWKDVHUYLFHWHFKQLFLDQZKRVSHFLDOL]HVLQ\RXU
SURGXFWDQGZKRFDQW\SLFDOO\DQVZHU\RXUTXHVWLRQVLQRQHSKRQHFDOO,QDQ
LQGXVWU\WKDW«VNQRZQWRNHHSFXVWRPHUVZDLWLQJZH«UHSURXGRIRXUTXLFNUHVSRQVH
WLPH§RIRXUFDOOVDUHFRQQHFWHGLQXQGHUWKUHHPLQXWHV
<RXFDQILQGPRUHLQIRUPDWLRQDERXW+3«V&XVWRPHU&DUHLQWKH+33KRWR6PDUW
33SULQWHURQOLQH+HOS
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
0DLQWHQDQFHIXQFWLRQV
7KH+33KRWR6PDUWSULQWHUUHTXLUHVYHU\OLWWOHPDLQWHQDQFH%HVXUHWRNHHSWKH
SULQWFDUWULGJHVIUHVKGRQ«WOHWWKHPVLWXQXVHGIRUORQJSHULRGVRIWLPHDQGNHHS
WKHSULQWHUFOHDQDQGLQJRRGFRQGLWLRQWRDYRLGDQ\SUREOHPV
0DWHULDOV\RXZLOOQHHG
%HIRUH\RXEHJLQPDNHVXUH\RXKDYHWKHIROORZLQJ
‡
FRWWRQVZDEVRUDQ\VRIWPDWHULDOWKDWZLOOQRWOHDYHILEHUV
‡
GLVWLOOHGILOWHUHGRUERWWOHGZDWHU
‡
SDSHUWRVHWWKHSULQWFDUWULGJHVRQZKLOH\RXDUHFOHDQLQJ
&OHDQLQJWKHSULQWFDUWLGJHKROGHUV
,I\RXQRWLFHYHUWLFDOVWUHDNVRUOLQHVRQ\RXUSULQWVWKHSULQWFDUWULGJHKROGHUVPD\
QHHGWREHFOHDQHG
1RWH %HFDUHIXOQRWWRJHWLQNRQ\RXUKDQGVRUFORWKLQJ
7RFOHDQWKHSULQWFDUWULGJHKROGHUV
5HPRYHWKHSULQWFDUWULGJHV6HH¨5HSODFLQJSULQWFDUWULGJHV©RQSDJHIRU
LQVWUXFWLRQV
3ODFHWKHSULQWFDUWULGJHVZLGHVLGHGRZQRQDSLHFHRISDSHUWRSUHYHQW
VWDLQLQJDQ\VXUIDFHV%HFDUHIXOQRWWRWRXFKRUFRYHUWKHSULQWFDUWULGJH
QR]]OHVRQWKHERWWRPRIWKHFDUWULGJH
1RWH 7RSUHVHUYHWKHSULQWFDUWULGJHVPDNHVXUH\RXUHSODFHWKHSULQW
FDUWULGJHVLQWKHSULQWHUEHIRUHWKLUW\PLQXWHVKDVSDVVHG
2QWKHSULQWHU«VIURQWSDQHOSUHVVWKH3RZHUEXWWRQWRWXUQWKHSULQWHUSRZHU
RII
8QSOXJWKHSRZHUFRUGIURPWKHEDFNRIWKHSULQWHU
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
3RVLWLRQ\RXUVHOIVR\RXFDQVHHWKHXQGHUVLGHRIWKHSULQWFDUWULGJHKROGHU
8VLQJFOHDQOLJKWO\PRLVWHQHGFRWWRQVZDEVJHQWO\ZLSHWKHXQGHUVLGHRIWKH
SULQWFDUWULGJHKROGHUZKHUHSDSHUILEHUVGXVWDQGLQNPD\FROOHFWDQGFRPH
LQFRQWDFWZLWKWKHSDSHU5HSHDWWKLVSURFHVVXQWLO\RXQRORQJHUVHHDQ\LQN
UHVLGXHRQDFOHDQFRWWRQVZDE
5HSODFHWKHSULQWFDUWULGJHVLQWKHSULQWFDUWULGJHKROGHU6HH¨5HSODFLQJSULQW
FDUWULGJHV©RQSDJHIRUGHWDLOV
&OHDQLQJWKHSULQWFDUWULGJHV
,I\RXQRWLFHZKLWHOLQHVRUVLQJOHFRORUVWUHDNVRQ\RXUSULQWVWKHSULQWFDUWULGJHV
PD\QHHGWREHFOHDQHG<RXFDQFOHDQWKHSULQWFDUWULGJHVXVLQJGLIIHUHQW
PHWKRGV,I\RXU+33KRWR6PDUWSULQWHULVFRQQHFWHGWRDFRPSXWHU\RXFDQFOHDQ
WKHSULQWFDUWULGJHVXVLQJWKH+33KRWR6PDUWSULQWHU7RROER[,IQRW\RXFDQFOHDQ
WKHSULQWFDUWULGJHVPDQXDOO\VHHEHORZRU\RXFDQXVHWKH7RROVEXWWRQ6HH
¨&OHDQLQJWKHSULQWFDUWULGJHV©RQSDJHIRUPRUHGHWDLOVDERXWXVLQJWKH7RROV
EXWWRQ
7RFOHDQWKHSULQWFDUWULGJHVXVLQJWKH7RROER[
2SHQWKHSULQWHU7RROER[)RUPRUHLQIRUPDWLRQVHH¨2SHQLQJWKH7RROER[©RQ
SDJH
)URPWKH3ULQWHU6HUYLFHVWDEFOLFN&OHDQWKH3ULQW&DUWULGJHV
7URXEOHVKRRWLQJDQG0DLQWHQDQFH
&OLFN&OHDQ
)ROORZWKHLQVWUXFWLRQVRQWKHFRPSXWHUVFUHHQ
7RFOHDQDSULQWFDUWULGJHPDQXDOO\
5HPRYHWKHSULQWFDUWULGJHV6HH¨5HSODFLQJSULQWFDUWULGJHV©RQSDJHIRU
LQVWUXFWLRQV
1RWH 7RNHHSWKHLQNIURPGU\LQJRXWPDNHVXUH\RXUHSODFHWKHSULQW
FDUWULGJHVLQWKHSULQWHUEHIRUHWKLUW\PLQXWHVKDVSDVVHG
*UDVSRQHRIWKHSULQWFDUWULGJHVE\WKHWRS
1RWH %HFDUHIXOQRWWRJHWLQNRQ\RXUKDQGVRUFORWKLQJ
'LSDFOHDQFRWWRQVZDELQWRGLVWLOOHGZDWHUDQGVTXHH]HDQ\H[FHVVZDWHUIURP
WKHVZDE
&OHDQWKHIDFHDQGHGJHVRIWKHSULQWFDUWULGJH'2127ZLSHWKHQR]]OHSODWH
5HSODFHWKHSULQWFDUWULGJHLQWKHSULQWFDUWULGJHKROGHU6HH¨5HSODFLQJSULQW
FDUWULGJHV©RQSDJHIRUGHWDLOV
5HSHDWWKHVHVWHSVWRFOHDQWKHRWKHUSULQWFDUWULGJH
&OHDQLQJWKHSULQWHU
7RFOHDQWKHRXWVLGHRIWKHSULQWHUXVHDFORWKWKDWKDVEHHQOLJKWO\PRLVWHQHGZLWK
ZDWHU'RQRWXVHDQ\RWKHUW\SHRIFOHDQHUDVFOHDQVHUVPD\GDPDJHWKHSULQWHU«V
ILQLVK
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
,QGH[
$
$GGLQJGU\WLPH
$GMXVWLQJ
%ULJKWQHVV
&RORU
$GYDQFHGWDE
$WWHQWLRQOLJKW
%
%DQQHUSULQWLQJ
%ODFNSULQWFDUWULGJH
3DUWQXPEHU
%ULJKWQHVV
$GMXVWLQJ
%XWWRQV
&DQFHO1R
&KRRVH3KRWRV
&RSLHV
2.<HV
3KRWR6L]H
3RZHU
3ULQW
6DYH
7RROV
&
&DQFHO1REXWWRQ
&DUGVORW
,QVHUWLQJDPHPRU\FDUG
/LJKW
&KRRVH3KRWRVEXWWRQ
&OHDQLQJ
SULQWFDUWULGJHV
PDQXDOO\
XVLQJWKH7RROER[
XVLQJWKH7RROVEXWWRQ
SULQWHU
&OHDULQJDSDSHUMDP
&RORU
$GMXVWLQJ
&RORUSULQWFDUWULGJH
3DUWQXPEHU
&RPPXQLFDWLRQVWURXEOHVKRRWLQJ
&RPSDFW)ODVKPHPRU\FDUG
&RPSXWHU
3ULQWLQJIURP
6DYLQJSKRWRVWR
6\VWHPUHTXLUHPHQWV
&RQILJXUDWLRQWDE
&RQQHFWLQJWKHSULQWHU
&RQWUROV
&RSLHVEXWWRQ
'
'RXEOHVLGHGSULQWLQJ
'32)
'U\WLPH
(
(QYHORSHV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
)
)DFWRU\VHWWLQJV
)HDWXUHV
3ULQWHU
)HDWXUHVWDE
)UHTXHQWO\DVNHGTXHVWLRQV
)URQWSDQHO
,OOXVWUDWLRQ
6HOHFWLQJSKRWRV
*
*UD\VFDOH
+
+HOS
+3FXVWRPSDSHUV
+3&XVWRPHU&DUH
+3-HW6HQG
3RUW
+33KRWR6PDUW
7RROER[
:HEVLWHDGGUHVV
,
,QGH[SDJH
,QGLFDWRUOLJKWV
,QIUDUHG
3RUW
3ULQWLQJ
6DYLQJ
,QN
/HYHO
6HH3ULQWFDUWULGJHV
9ROXPH
,QVHUWLQJ
0HPRU\FDUGV
3ULQWFDUWULGJHV
,QWHUQHW
+33KRWR6PDUW:HEVLWH
-
-HW6HQG
3RUW
/
/&'
/RFDWLRQ
0HVVDJHV
/LJKWV
/RDGLQJ
(QYHORSHV
3DSHU
3DSHULQWKHSDSHUWUD\
3DSHULQWKHSKRWRWUD\
0
0DLQWHQDQFH
&OHDQLQJ
3ULQWFDUWULGJHV
0DWHULDOV
0HPRU\FDUG
,OOXVWUDWLRQ
,QVHUWLQJ
2YHUYLHZ
3ULQWLQJ
6DYLQJSKRWRV
7\SHV
8VLQJDVDGLVNGULYH
,QGH[
2
2.<HVEXWWRQ
2UGHURISULQWLQJVHOHFWLQJ
2ULHQWDWLRQ
2XWSXWWUD\
3
3DJHOD\RXW
6HWWLQJ
3DSHU
/RDGLQJLQWRWKHSULQWHU
6HWWLQJWKHGHIDXOW
SDJHOD\RXW
6HWWLQJWKHGHIDXOWW\SHDQGVL]H
7\SHV
3DSHUJXLGHV
$GMXVWLQJLQWKHSDSHUWUD\
3DSHUMDP
&OHDULQJ
3DSHUWUD\
$GMXVWLQJWKHSDSHUJXLGHV
/RDGLQJSDSHU
3DSHUW\SH
3DUDOOHOSRUW
&RQQHFWLQJWR
7URXEOHVKRRWLQJ
3DUWQXPEHUV
3DUWV
,OOXVWUDWLRQ
3&
&RQQHFWLQJWKHSULQWHUWR
3ULQWLQJ
6DYLQJIURPDPHPRU\FDUG
6\VWHPUHTXLUHPHQWV
3KRWR6L]HEXWWRQ
3KRWRWUD\
/RDGLQJSDSHU
3KRWRV
$GMXVWLQJWKHEULJKWQHVV
3ULQWLQJIURPDPHPRU\FDUG
6DYLQJIURPDPHPRU\FDUG
6HOHFWLQJXVLQJDQ,QGH[SDJH
6L]HV
8VLQJ'32)
3RVWHUSULQWLQJ
3RZHU
%XWWRQ
/LJKW
3UHYLHZLQJ\RXUGRFXPHQW
3ULQWEXWWRQ
3ULQWFDUWULGJHV
&OHDQLQJ
,QNOHYHO
,QVHUWLQJ
2YHUYLHZ
5HPRYLQJ
IURPWKHSULQWHU
WDSH
5HSODFLQJ
6HOHFWLQJ
9LHZLQJWKHLQNOHYHO
3ULQWTXDOLW\
3ULQWHU
%XWWRQV
&OHDQLQJ
&RQQHFWLQJ
)HDWXUHV
/LJKWV
0DLQWHQDQFH
3DUWV
3URSHUWLHV
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH
6HWXS
7RROV
3ULQWLQJ
$WHVWSDJH
8VLQJWKH7RROER[
8VLQJWKH7RROVEXWWRQ
$GMXVWLQJ
WKHFRORUVHWWLQJV
WKHSKRWREULJKWQHVV
DQ,QGH[SDJH
%DQQHUV
'RXEOHVLGHG
'U\WLPH
)URPDPHPRU\FDUG
)URPDVRIWZDUHDSSOLFDWLRQ
*UD\VFDOH
1XPEHURIFRSLHV
2UGHU
2YHUYLHZ
3RVWHUV
3UHYLHZLQJ\RXUGRFXPHQW
6FDOHWRILW
6HOHFWLQJSKRWRV
7ZRVLGHGGRFXPHQWV
8VLQJ
DFRPSXWHU
,QIUDUHG
3URSHUWLHV
4
4XDOLW\
5
5HPRYLQJSULQWFDUWULGJHV
5HSODFLQJSULQWFDUWULGJHV
6
6DYHEXWWRQ
6DYLQJ
2YHUYLHZ
3KRWRVXVLQJDPHPRU\FDUG
8VLQJLQIUDUHG
6FDOHWRILW
6HOHFWLQJ
'HIDXOW
SDJHOD\RXW
SDSHUW\SHDQGVL]H
)DFWRU\VHWWLQJV
3DSHURULHQWDWLRQ
3DSHUVL]H
3DSHUW\SH
3KRWRVXVLQJDQ,QGH[SDJH
3KRWRVXVLQJ'32)
3KRWRVXVLQJWKHIURQWSDQHO
3ULQWRUGHU
7ZRVLGHGSULQWLQJ
6HOHFWLQJSKRWRV
6HUYLFHVWDE
6HWWLQJ
'HIDXOWSDJHOD\RXW
'HIDXOWSDSHUW\SHDQGVL]H
6HWXSWDE
6L]H
3KRWR
6PDUW0HGLDPHPRU\FDUG
6\VWHPUHTXLUHPHQWV
7
7HVWSDJHSULQWLQJ
8VLQJWKH7RROER[
8VLQJWKH7RROVEXWWRQ
,QGH[
7KXPEQDLOVRISKRWRV
7RROER[
&RQILJXUDWLRQWDE
2SHQLQJ
9LHZLQJWKHLQNOHYHO
7RROVEXWWRQ
$GMXVWLQJWKHEULJKWQHVV
)DFWRU\VHWWLQJV
2QWKHIURQWSDQHO
2YHUYLHZ
3ULQWLQJDWHVWSDJH
6HWWLQJWKHGHIDXOW
SDJHOD\RXW
SDSHUW\SHDQGVL]H
7URXEOHVKRRWLQJ
&OHDULQJDSDSHUMDP
&RPPRQTXHVWLRQVDQGDQVZHUV
&RPPXQLFDWLRQVSUREOHPV
&RQWDFWLQJ+3&XVWRPHU&DUH
)LQGLQJDGGLWLRQDODVVLVWDQFH
*HWWLQJKHOSRQWKH,QWHUQHW
2QOLQH+HOS
3DUDOOHOSRUW
86%SRUW
8VLQJWKH7RROER[
7ZRVLGHGSULQWLQJ
9
9LHZLQJ
)LOHVRQWKHPHPRU\FDUG
,QNYROXPH
2QOLQH+HOS
:
:HEVLWHDGGUHVV
8
86%
&RQQHFWLQJXVLQJ
3RUW
7URXEOHVKRRWLQJ
+33KRWR6PDUW3ULQWHU8VHU«V*XLGH

* Your assessment is very important for improving the workof artificial intelligence, which forms the content of this project