RQWHQWV: (Qjolvk
RQWHQWV: (Qjolvk
&RQWHQWV
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
(QJOLVK
&RQWHQWV
0DNLQJ DQG 5HFHLYLQJ &DOOV 0DNLQJ D &DOO LQ WKH 3UHGLDO 0RGH 5HFHLYLQJ &DOOV 5LQJHU 7\SHV (QTXLU\ &DOO 7UDQVIHUULQJ D &DOO ,GHQWLI\LQJ WKH &DOOHU 0HVVDJH :DLWLQJ ,QGLFDWLRQ IRU 9RLFH 0DLO 5HGLDO /LVW 'HOHWLQJ6WRULQJ DQ (QWU\ LQ 5HGLDO /LVW 3ULYDWH 3KRQHERRN +DQGVHW &RQILJXUDWLRQ 2YHUYLHZ RI WKH &RQILJXUDWLRQ 0HQX 6HWWLQJV 8VLQJ .H\SDG 6KRUWFXWV +DQGVHW 6RXQGV +DQGVHW 6HWWLQJV 3$%; 6HWWLQJV &KDUDFWHU 7DEOH $FFHVVRULHV 0DLQWHQDQFH DQG 7URXEOHVKRRWLQJ
LL
(QJOLVK
'LPHQVLRQV +DQGVHW [ [ PP &KDUJHU [ [ PP 3DFNDJH [ [ PP :HLJKW +DQGVHW JUDPV
,QWURGXFWLRQ
(QJOLVK
3RZHU 6XSSO\
7KLV SURGXFW LV GHVLJQHG IRU 9 VLQJOHSKDVH DOWHUQDWLQJ FXUUHQW DQG LV QRW VXLWDEOH IRU ,7 IDFLOLWLHV DV GHILQHG LQ WKH (1 VWDQGDUG 0DLQV VXSSO\ LV FODVVLILHG DW GDQJHURXV YROWDJH VHFXULW\ OHYHO DV GHILQHG LQ WKH (1 VWDQGDUG
6DIHW\ 3UHFDXWLRQV
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
7KLV SURGXFW FRQWDLQV PDJQHWLF PDWHULDO %H DZDUH WKDW VPDOO PHWDOOLF REMHFWV PD\ VWLFN IRU H[DPSOH WR WKH ORXGVSHDNHU 7KLV PD\ GHWHULRUDWH WKH DXGLR TXDOLW\ DQG FDQ EH KDUPIXO
(QYLURQPHQWDO 3URWHFWLRQ
<RXU WHOHSKRQH KDQGVHW DOVR EHQHILWV IURP WKH 3KLOLSV (FR'HVLJQ SURJUDP ZKLFK WDNHV LQWR DFFRXQW WKH UHODWLRQ EHWZHHQ SURGXFW DQG HQYLURQPHQW GXULQJ LWV HQWLUH VHUYLFH OLIH
,QWURGXFWLRQ
(QJOLVK
5HVHDUFK SURYHV WKDW RSHUDWLRQDO '(&7 SKRQHV FDQ LQIOXHQFH VHQVLWLYH HOHFWURQLF HTXLSPHQW HJ ODERUDWRU\ RU PHGLFDO HTXLSPHQW 7KLV LQFLGHQWDO LQIOXHQFH FDQ DSSHDU ZKHQ '(&7 SKRQHV RSHUDWH LQ VWUDLJKW QHDUQHVV RI VHQVLWLYH HOHFWURQLF HTXLSPHQW 'R QRW SODFH WKH '(&7 SKRQH RQ RU FORVH WR WKLV NLQG RI HTXLSPHQW HYHQ QRW LQ VWDQGE\ PRGH
,QWURGXFWLRQ
(QJOLVK
,QVWDOODWLRQ /RFDWLRQ
3ODFH WKH FKDUJHU RQ D IODW HYHQ VXUIDFH 'R QRW LQVWDOO WKH FKDUJHU KDQGVHW DQG DFFHVVRULHV LQ WKH SUR[LPLW\ RI :DWHU PRLVWXUH RU GDPS DUHDV 6RXUFHV RI KHDW GLUHFW VXQOLJKW RU XQYHQWLODWHG DUHDV 'HYLFHV ZKLFK JHQHUDWH VWURQJ PDJQHWLF ILHOGV HOHFWULFDO DSSOLDQFHV IOXRUHVFHQW ODPSV FRPSXWHUV UDGLRV WHOHYLVLRQ VHWV RU ID[ DQG WHOHSKRQH WHUPLQDOV $UHDV ZKHUH WKH KDQGVHW FDQ EH FRYHUHG LWV YHQWLODWLRQ LV LPSDLUHG DQG OLTXLG FDQ JHW LQVLGH $UHDV ZKHUH WKHUH LV H[FHVVLYH GXVW DQG DUHDV VXEMHFW WR YLEUDWLRQ VKRFN RU H[WUHPH WHPSHUDWXUH IOXFWXDWLRQV 1HDU REVWDFOHV OLNH WKLFN ZDOOV RU PHWDOOLF VWUXFWXUHV ,QVWDOO NHHS WKH KDQGVHW DQG DFFHVVRULHV RXW RI UHDFK RI VPDOO FKLOGUHQ
,QVWDOODWLRQ
(QJOLVK
%DWWHU\ /LIHWLPH
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
1HYHU XVH QRQUHFKDUJHDEOH EDWWHULHV DQG RQO\ XVH YHQGRU UHFRPPHQGHG PRGHOV 7KH PDQXIDFWXUHU GLVFODLPV UHVSRQVLELOLW\ LI WKHVH UHFRPPHQGDWLRQV DUH QRW IROORZHG
,QVWDOODWLRQ
(QJOLVK
&KDUJH 'LVSOD\
7KH EDWWHU\ LFRQ ORFDWHG DW WKH WRS OHIW RI WKH GLVSOD\ ZLOO DSSHDU SHUPDQHQWO\ WR LQGLFDWH WKH EDWWHU\ FKDUJLQJ VWDWXV (DFK EDU RI WKH EDWWHU\ LFRQ UHSUHVHQWV DERXW RI PD[LPXP FKDUJLQJ FDSDFLW\ :KHQ WKH KDQGVHW LV SODFHG LQ WKH FKDUJHU WKH IODVKLQJ VHJPHQWV LQGLFDWH WKH FKDUJLQJ SURFHVV
J J J
7KH FKDUJLQJ VWDWXV LQGLFDWRU LV RQO\ UHOHYDQW DIWHU WKH ILUVW FKDUJLQJ F\FOH KDV EHHQ FRPSOHWHG 6ZLWFKLQJ WKH KDQGVHW 2II2Q RU UHSODFLQJ WKH EDWWHULHV UHVXOWV LQ ORVV RI WKH EDWWHU\ FDSDFLW\ VWDWXV 7KH FKDUJLQJ VWDWXV LQGLFDWRU LV RQO\ UHOHYDQW DIWHU WKH QH[W FKDUJLQJ F\FOH KDV EHHQ FRPSOHWHG $IWHU D FRPSOHWH GLVFKDUJH RI WKH EDWWHULHV WKH V\PERO RQO\ DSSHDUV DIWHU D IHZ PLQXWHV RI FKDUJH
&KDUJH :DUQLQJ
,I WKH WHOHSKRQH EHHSV DQG WKH HPSW\ EDWWHU\ LFRQ LV GLVSOD\HG EDWWHULHV QHHG FKDUJLQJ 'XULQJ D FDOO WKH KDQGVHW VZLWFKHV RII DIWHU D IHZ PLQXWHV
2SHUDWLQJ 7LPHV
7DONLQJ WLPH 6WDQGE\ WLPH XS WR KRXUV XS WR GD\V ZLWK IXOO\ FKDUJHG EDWWHULHV ZLWK IXOO\ FKDUJHG EDWWHULHV
,QVWDOODWLRQ
(QJOLVK
+DQGVHW 5HJLVWUDWLRQ
5HJLVWHU WKH KDQGVHW RQ WKH '(&7 V\VWHP 2EWDLQ D UHJLVWUDWLRQ FRGH IURP \RXU V\VWHP DGPLQLVWUDWRU 3UHVV WKH NH\V 3UHVV WKH 2. NH\ WR FRQILUP &RQILUP WKH PHQX VHOHFWLRQ ZLWK SUHVVLQJ WKH 2. NH\ (QWHU WKH UHJLVWUDWLRQ FRGH DQG SUHVV WKH 2. NH\ $IWHU VRPH WLPH WKH KDQGVHW UHSRUWV WKH UHJLVWUDWLRQ SURFHGXUH KDV EHHQ VXFFHVVIXOO\ FRPSOHWHG :KHQ LW IDLOHG FRQWDFW \RXU V\VWHP DGPLQLVWUDWRU
7KH KDQGVHW LV QRZ VXFFHVVIXOO\ UHJLVWHUHG DQG ORFNHG WR WKH '(&7 V\VWHP 7KH DQWHQQD V\PERO LQ WKH XSSHU ULJKW FRUQHU RI WKH GLVSOD\ LQGLFDWHV WKH KDQGVHW LV ORFNHG WR D '(&7 UDGLR
$IWHU WKH UHJLVWUDWLRQ SURFHGXUH FKDQJH WKH GHIDXOW LGHQWLILFDWLRQ QDPH WR D ORJLFDO QDPH
7KH GHVFULSWLRQ LV VWRUHG DQG VKRZQ RQ WKH VHFRQG WH[W OLQH )RU H[DPSOH -% &RUUHFWLRQV FDQ EH PDGH E\ HQWHULQJ WKH VDPH PHQX DQG XVH WKH &5 NH\ WR UHPRYH FKDUDFWHUV
,QLWLDO 6HWXS
(QJOLVK
7R VLPSOLI\ WKH XVH RI VHYHUDO '(&7 V\VWHPV HQVXUH WKDW WKH\ KDYH GLIIHUHQW QDPHV 7KH GHIDXOW V\VWHP QDPH LV 3KLOLSV 6HH VHFWLRQ (QWHULQJ ,GHQWLILFDWLRQ 1DPH IRU FKDQJLQJ WKH V\VWHP QDPH
,QLWLDO 6HWXS
(QJOLVK
+DQGVHW
9vyh Crhqrprp
6yuhrvp xrhq
Hvpur
'LVSOD\
7KH ILUVW GLVSOD\ OLQH LV XVHG WR VKRZ VHYHUDO LFRQV 7KH VHFRQG WKLUG DQG IRXUWK OLQH DUH XVHG WR VKRZ WH[W 7KH VHFRQG OLQH FDQ VKRZ GDWH DQG WLPH LQ VWDQGE\ PRGH 7KH WKLUG OLQH FDQ VKRZ LGHQWLILFDWLRQ GDWD LQ VWDQGE\ PRGH 7KH ODVW OLQH LV UHODWHG WR WKH DFWXDO IXQFWLRQDOLW\ RI WKH KDQGVHW WKH DUURZ NH\V DQG 2. NH\
@tyvu
.H\V
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
$FWLYDWHVGHDFWLYDWHV WKH NH\ORFN IXQFWLRQ ZKHQ SUHVVHG IRU DW OHDVW VHFRQGV (QDEOHV WKH XVH RI PHQX VKRUWFXWV
@tyvu
,FRQV
%DWWHU\ VWDWXV &KDUJLQJ LQGLFDWLRQ 9RLFH PDLO PHVVDJHZDLWLQJ LQGLFDWLRQ 21 )/$6+,1* 21 )/$6+,1* H[WHUQDO FDOO LQ SURJUHVV H[WHUQDO LQFRPLQJ FDOO LQWHUQDO FDOO LQ SURJUHVV LQWHUQDO LQFRPLQJ FDOO
6LOHQFH PRGH DFWLYDWHG ULQJHU GLVDEOHG /RXGVSHDNHU RQ 21 ORFNHG WR '(&7 UDGLR
7RS RI WKH OLVW LV UHDFKHG 0LGGOH RI WKH OLVW %RWWRP RI WKH OLVW
@tyvu
+DQGVHW 2Q2II
0D\
<RX FDQ VZLWFK WKH KDQGVHW RII E\ SUHVVLQJ WKH NH\ IRU VHFRQGV <RX FDQ VZLWFK WKH KDQGVHW EDFN RQ DJDLQ E\ SUHVVLQJ DQ\ NH\ IRU D VKRUW PRPHQW
$IWHU VHFRQGV WKH KDQGVHW VZLWFKHV RQ DQG GLVSOD\V WKH LGOH PHQX
5HFRPPHQGHG LV WR XVH WKH &5 NH\ RU WKH YROXPH NH\ IRU VZLWFKLQJ WKH VHW RQ DJDLQ ,I \RX XVH RWKHU NH\V IRU WKLV SXUSRVH WKHQ WKHLU IXQFWLRQ ZLOO EH H[HFXWHG LPPHGLDWHO\ DIWHU WKH VHW LV VZLWFKHG RQ ([DPSOH SUHGLDO LV VWDUWHG ZLWK D LQ WKH GLVSOD\ ZKHQ \RX SUHVV IRU VZLWFKLQJ WKH VHW EDFN RQ DJDLQ
.H\ /RFN
<RX FDQ ORFN WKH NH\SDG WR SUHYHQW LQDGYHUWHQW SUHVVLQJ RI NH\V LQ ZD\V 3UHVV WKH
NH\ IRU VHFRQGV RU 3UHVV WKH NH\V 3UHVV WKH 2. NH\ WZLFH WR FRQILUP 7R XQORFN WKH NH\SDG SUHVV WKH 2. NH\ RU
NH\ IRU VHFRQGV :KHQ WKH NH\ ORFN LV DFWLYH \RX FDQ DQVZHU FDOOV DV QRUPDO DQG XVH DOO NH\V GXULQJ WKH FDOO +RZHYHU WKH NH\ ORFN LV WKHQ UHDFWLYDWHG DW WKH HQG RI WKH FDOO
9ROXPH $GMXVWPHQW
'XULQJ D FDOO SUHVVLQJ WKH YROXPH NH\ RQFH LQFUHDVHV WKH YROXPH RI WKH HDUSLHFH RU ORXGVSHDNHU LQ ORXG VSHDNLQJ PRGH 3UHVVLQJ WKH YROXPH NH\ DJDLQ VZLWFKHV EDFN WR WKH QRUPDO OHYHO :KHQ WKH FDOO LV HQGHG WKH YROXPH OHYHO VZLWFKHV EDFN WR WKH GHIDXOW VHWWLQJ
(QJOLVK
<RX FDQ DOVR SUHVV WKH ORXG VSHDNLQJ NH\ WR LQLWLDWH RU DQVZHU D FDOO DQG VLPXOWDQHRXVO\ VZLWFK RQ WKH KDQGVHW ORXGVSHDNHU 7R KDQJ XS SUHVV WKH KRRN NH\
6LOHQW 0RGH
,QWHUFRP 6,/(1&( <RX FDQ VZLWFK RII WKH VLJQDOOLQJ RI WKH KDQGVHW ZLWKRXW DQVZHULQJ WKH FDOO E\ SUHVVLQJ WKH 2. NH\ <RX FDQ VZLWFK RII WKH VLJQDOOLQJ RI WKH KDQGVHW LQ LGOH PRGH E\ (QWHU WKH +DQGVHW 6RXQG PHQX (QWHU WKH 5LQJHU YROXPH PHQX 6HOHFW 6LOHQW DQG SUHVV WKH 2. NH\
<RX FDQ DOVR XVH WKH VKRUWFXW VHH 8VLQJ .H\SDG 6KRUWFXWV 7KH VLJQDOOLQJ RI WKH KDQGVHW FDQ EH VZLWFKHG RQ DJDLQ E\ VHOHFWLQJ DQRWKHU ULQJHU YROXPH DQG SUHVV WKH 2. NH\
7KH VHOHFWHG PHQX LV GLVSOD\HG RQ WKH ODVW OLQH RI WKH VFUHHQ 7R YLHZ RQH RI WKHVH PHQXV SUHVV WKH 2. NH\ WKH LQLWLDO VFUHHQ RI WKH VHOHFWHG PHQX LV GLVSOD\HG 7R JR EDFN WR VWDQGE\ PRGH SUHVV WKH &5 NH\ IRU VHFRQGV
(QJOLVK
3UHVV WKH KRRN NH\ WR LQLWLDWH WKH FDOO 7R FRUUHFW DQ HUURU 0RYH WKH FXUVRU XVLQJ WKH VFUROO DUURZV RU 8VH WKH &5 NH\ WR GHOHWH D FKDUDFWHU LQ IURQW RI WKH FXUVRU RU LQVHUW D PLVVLQJ GLJLW DW WKH FXUVRU ORFDWLRQ 3UHVVLQJ WKH &5 NH\ IRU VHFRQGV GHOHWHV WKH ZKROH OLQH
J J J
,W LV DOVR SRVVLEOH WR PDNH D FDOO E\ SUHVVLQJ WKH KRRN NH\ EHIRUH GLDOOLQJ WKH QXPEHU %RWK RXWJRLQJ FDOOV WR DQ H[WHUQDO QXPEHU DQG RXWJRLQJ FDOOV WR DQ LQWHUQDO QXPEHU DUH VLJQDOOHG DV H[WHUQDO OLQH RQ WKH GLVSOD\ RI WKH =(1,$ $ VWHDG\ KRRN LFRQ LV GLVSOD\HG DV ZHOO ,W LV QRW SRVVLEOH WR XVH WKH NH\ LQ SUHGLDO PRGH ,Q SUHGLDO PRGH WKH NH\ ZLOO DFFHVV WKH VKRUWFXW PHQX
5HFHLYLQJ &DOOV
,QWHUFRP 6,/(1&( ([WHUQDO OLQH 6,/(1&( $Q LQWHUQDO LQFRPLQJ FDOO LV PDUNHG DV ,QWHUFRP ZKHQ WKH FDOO KDV EHHQ DFFHSWHG 7KH LQWHUFRP LFRQ LV GLVSOD\HG DV ZHOO 7KH GHVLUHG ULQJHU VLJQDO FDQ EH VHOHFWHG E\ VKRUWFXW $Q H[WHUQDO LQFRPLQJ FDOO LV PDUNHG DV ([WHUQDO OLQH ZKHQ WKH FDOO KDV EHHQ DFFHSWHG $ VWHDG\ KRRN LFRQ LV GLVSOD\HG DV ZHOO 7KH GHVLUHG ULQJHU VLJQDO FDQ EH VHOHFWHG E\ VKRUWFXW 7KH JUHHQ /(' LV IODVKLQJ WR VLJQDO WKH H[WHUQDO LQFRPLQJ FDOO
(QJOLVK
5LQJHU 7\SHV
5LQJHU W\SH ,QWHUQDO FDOO ULQJHU &/, ULQJHU 7KH =(1,$ DOHUWV WKH PHORG\ VHOHFWHG E\ WKH ULQJHU W\SH ZKHQ KDYLQJ DQ H[WHUQDO LQFRPLQJ FDOO 7KH =(1,$ DOHUWV WKH PHORG\ VHOHFWHG E\ WKH LQWHUQDO FDOO ULQJHU ZKHQ KDYLQJ DQ LQWHUQDO LQFRPLQJ FDOO :KHQ WKH =(1,$ KDV DQ LQWHUQDO RU H[WHUQDO LQFRPLQJ FDOO DQG WKH QXPEHU DQG QDPH RI WKH FDOOHU LV VWRUHG LQ WKH SKRQHERRN WKH ULQJLQJ PHORG\ LV VHOHFWHG E\ WKH &/, ULQJHU <RX FDQ VHOHFW VL[ DYDLODEOH PHORGLHV IRU WKH &/, ULQJHU
(QTXLU\ &DOO
'XULQJ D FRQYHUVDWLRQ LW LV SRVVLEOH WR VHWXS DQ HQTXLU\ FDOO 3UHVV WKH &5 NH\ WR KROG WKH ILUVW FDOO 1RZ GLDO D VHFRQG GHVLUHG WHOHSKRQH QXPEHU 3UHVV WKH &5 NH\ DJDLQ UHWXUQV WR WKH ILUVW FDOO 3UHVVLQJ WKH &5 NH\ UHSHDWHGO\ DOWHUQDWHV EHWZHHQ WKH ILUVW DQG VHFRQG FDOO
$IWHU SUHVVLQJ WKH &5 NH\ \RX FDQ VHOHFW D GHVLUHG WHOHSKRQH QXPEHU IURP WKH UHGLDO OLVW RU WHOHSKRQH OLVW DOVR E\ XVLQJ WKH VFUROO NH\V
7UDQVIHUULQJ D &DOO
'XULQJ D FRQYHUVDWLRQ LW LV SRVVLEOH WR WUDQVIHU WKH FRQQHFWHG OLQH WR DQRWKHU QXPEHU 3UHVV WKH &5 NH\ IROORZHG E\ WKH GHVLUHG WHOHSKRQH QXPEHU <RX FDQ GLVFRQQHFW LPPHGLDWHO\ RU ZDLW IRU WKH WKLUG SDUW\ WR DQVZHU EHIRUH GLVFRQQHFWLQJ
$IWHU SUHVVLQJ WKH &5 NH\ \RX FDQ VHOHFW D GHVLUHG WHOHSKRQH QXPEHU IURP WKH UHGLDO OLVW RU WHOHSKRQH OLVW DOVR E\ XVLQJ WKH VFUROO NH\V
(QJOLVK
:KHQ WKH WDSH UHFRUGHU LFRQ DSSHDUV LQ VWDQGE\ PRGH WKH XVHU KDV D PHVVDJH LQ WKH YRLFH PDLOER[ $IWHU OLVWHQLQJ WR DOO QHZ YRLFH PDLO PHVVDJHV WKH WDSH UHFRUGHU LFRQ ZLOO GLVDSSHDU
,Q FDVH WKH KDQGVHW LV VZLWFKHG RII RU RXW RI FRYHUDJH WKH PHVVDJH ZDLWLQJ LQGLFDWLRQ LV XSGDWHG DIWHU WKH KDQGVHW LV ORFNHG WR WKH '(&7 V\VWHP DJDLQ
5HGLDO /LVW
3XUSRVH 7KH =(1,$ WHOHSKRQH VWRUHV WKH WHOHSKRQH QXPEHUV RI WKH ODVW FDOOV WKDW DUH PDGH <RX FDQ YLHZ WKLV OLVW FDOO EDFN \RXU FDOOHUV GLUHFWO\ IURP WKH OLVW RU \RX FDQ PRGLI\ LW <RX FDQ DOVR VWRUH WKH WHOHSKRQH QXPEHU LQ WKH SULYDWH SKRQHERRN 9LHZLQJ WKH UHGLDO OLVW <RX FDQ YLHZ WKH OLVW RI RXWJRLQJ FDOOV ZKHQ LQ VWDQGE\ PRGH RU GXULQJ DQ H[WHUQDO FDOO )URP VWDQGE\ PRGH SUHVV WKH VFUROO NH\V WR JR WR WKH 5(',$/ PHQX 5HGLDO OLVW
7KH LQGLFDWLRQ 5(',$/ DSSHDUV RQ WKH ODVW OLQH RI WKH GLVSOD\ 9DOLGDWH E\ SUHVVLQJ WKH 2. NH\ 7KH ILUVW HQWU\ LQ WKH UHGLDO OLVW DSSHDUV RQ WKH VFUHHQ 7R VFUROO WKURXJK WKH OLVW SUHVV WKH VFUROO NH\V DV PDQ\ WLPHV DV UHTXLUHG
<RX FDQ GLUHFWO\ GLDO WKH GLVSOD\HG QXPEHU E\ SUHVVLQJ WKH KRRN NH\
(QJOLVK
'HOHWH 'HOHWH $OO $ YDOLGDWLRQ EHHS LV KHDUG DQG WKH 'HOHWHG SURPSW LV GLVSOD\HG 6WRUH 7KH KDQGVHW SURPSWV \RX WR VWRUH WKH WHOHSKRQH QXPEHU LQ WKH SULYDWH SKRQHERRN 9DOLGDWH E\ SUHVVLQJ WKH 2. NH\ 7KH FRQILUPDWLRQ SURPSW 6WRUHG LV GLVSOD\HG 7KH KDQGVHW JRHV EDFN WR WKH UHGLDO OLVW
6HOHFWLQJ WKH RSWLRQ 'HOHWH $OO UHPRYHV DOO SUHVHQW HQWULHV IURP WKH UHGLDO OLVW
3ULYDWH 3KRQHERRN
6WRULQJ WHOHSKRQH QXPEHUV XS WR HQWULHV 3UHGLDO 6725( (QWHU QDPH -DPHV 6725( )URP VWDQGE\ PRGH XVH WKH NH\SDG WR GLDO WKH WHOHSKRQH QXPEHU XS WR GLJLWV WR EH VWRUHG &RQILUP WKH QHZ QXPEHU E\ SUHVVLQJ WKH 2. NH\ 8VH WKH NH\SDG WR HQWHU D QHZ QDPH PD[LPXP FKDUDFWHUV 'HSHQGLQJ RQ WKH FKDUDFWHU \RX ZLVK WR XVH SUHVV WKH DSSURSULDWH NH\ RQFH RU VHYHUDO WLPHV 6HH &KDUDFWHU 7DEOH 8VH WKH &5 NH\ WR GHOHWH WKH FKDUDFWHU LQ IURQW RI WKH FXUVRU 3UHVV WKH 2. NH\ WR FRQILUP WKH QHZ QDPH
(QJOLVK
3ULYDWH 3KRQHERRN
9LHZLQJ D SKRQHERRN HQWU\ 6HDUFK IRU -D 6($5&+ )URP VWDQGE\ PRGH VHOHFW WKH 359 3+21%. PHQX &RQILUP E\ SUHVVLQJ WKH 2. NH\ 7KH ILUVW HQWU\ LQ WKH VHOHFWHG SKRQHERRN LV GLVSOD\HG 7R VFUROO WKURXJK WKH OLVW SUHVV WKH VFUROO NH\V DV PDQ\ WLPHV DV UHTXLUHG 7R GLUHFWO\ DFFHVV DQ HQWU\ W\SH LQ WKH ILUVW OHWWHUV RI WKH QDPH WR EH ORRNHG XS 3UHVV WKH 2. NH\ WR FRQILUP WKH VHDUFK 7KH GLVSOD\ VKRZV WKH ILUVW QDPHV IROORZLQJ WKH FKDUDFWHUV ZKLFK KDYH EHHQ HQWHUHG 5HILQH WKH VHDUFK XVLQJ WKH VFUROO NH\V
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
(QJOLVK
6HWWLQJV
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
+DQGVHW &RQILJXUDWLRQ
(QJOLVK
(DUSLHFH 0HGLXP
6(/(&7
+DQGVHW 6RXQGV
J J J
+DQGVHW VRXQGV ! 5LQJHU W\SH KDV WR EH XVHG IRU H[WHUQDO LQFRPLQJ FDOOV +DQGVHW VRXQGV ! &/, ULQJHU LV XVHG IRU LQFRPLQJ FDOOV WKDW DUH GHILQHG ZLWKLQ WKH SKRQHERRN +DQGVHW VRXQGV ! YLEUDWRU ZKHQ VHW WKH ULQJHU LV GHDFWLYDWHG
+DQGVHW &RQILJXUDWLRQ
(QJOLVK
+DQGVHW 6RXQGV
)XQFWLRQV (DUSLHFH YROXPH /RXGVSHDNHU YROXPH +HDGVHW YROXPH 5LQJHU W\SH 6KRUWFXW 6HWWLQJV /RZ 0HGLXP +LJK /RZ 0HGLXP +LJK /RZ 0HGLXP +LJK 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 6LOHQW /RZ 0HGLXP +LJK 3URJUHVVLYH 9LEUDWRU 2II 2Q %DVV 6WDQGDUG 7UHEOH %DVV 6WDQGDUG 7UHEOH %DVV 6WDQGDUG 7UHEOH 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 'HIDXOW
.H\ WRQHV (DUSLHFH WRQH /RXGVSHDNHU WRQH +HDGVHW WRQH &/, ULQJHU
+DQGVHW &RQILJXUDWLRQ
(QJOLVK
+DQGVHW 6HWWLQJV
)XQFWLRQV /DQJXDJH 6KRUWFXW 6HWWLQJV (QJOLVK 'HXWVFK )UDQFDLV 1HGHUODQGV ,WDOLDQR 'DQVN 6YHQVND 1RUVN 6XRPL 2II 2Q /RZ 0HGLXP +LJK 2II 2Q %DVH %DVH %DVH %DVH 3,1 'HIDXOW
%DFN OLJKW 'LVSOD\ FRQWUDVW .H\SDG ORFN 6HOHFW EDVH
5HJLVWHU
J J
+DQGVHW VHWWLQJV ! 6HOHFW %DVH FDQ RQO\ EH XVHG ZKHQ WKH VHW KDV DOUHDG\ EHHQ UHJLVWHUHG WR PRUH WKHQ RQH EDVH +DQGVHW VHWWLQJV ! 5HJLVWHU VHH +DQGVHW 5HJLVWUDWLRQ HDUOLHU LQ WKLV PDQXDO
+DQGVHW &RQILJXUDWLRQ
(QJOLVK
3$%; 6HWWLQJV
)XQFWLRQV ,QWHUQDO FDOO ULQJHU 6KRUWFXW 6HWWLQJV 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 0HORG\ 1DPH 'HIDXOW
5HQDPH
3KLOLSV
J J
3$%; VHWWLQJV ! ,QWHUQDO FDOO ULQJHU RIIHUV WKH VDPH IXQFWLRQDOLW\ DV +DQGVHW VRXQGV ! 5LQJHU W\SH EXW QRZ IRU LQWHUQDO LQFRPLQJ FDOOV 3$%; VHWWLQJV ! 5HQDPH VHH (QWHULQJ ,GHQWLILFDWLRQ 1DPH HDUOLHU LQ WKLV PDQXDO
&KDUDFWHU 7DEOH
.H\
f 8 A D G S W ` ! " # $ % T ' a & h ( 4 g ) 0 2 1 3 5 h b e d d
6 9 B E H Q U X
7 @ C F I R V Y
J J
5HSHDWHGO\ SUHVVLQJ WKH QXPHULF NH\V ZLOO VFUROO WKURXJK WKLV WDEOH 5HSHDWLQJ WKH FKDUDFWHU OLVW ZLOO FKDQJH OHWWHUV WR FDSLWDOV
+DQGVHW &RQILJXUDWLRQ
(QJOLVK
$FFHVVRULHV
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
8VHU JXLGH
2QO\ XVH HTXLSPHQW DQG DFFHVVRULHV DSSURYHG E\ WKH VXSSOLHU RI \RXU KDQGVHW 7KH XVH RI DQ\ W\SH RWKHU WKDQ WKDW LV DSSURYHG LQYDOLGDWHV \RXU ULJKW WR FODLP XQGHU ZDUUDQW\ <RX FDQ RUGHU DFFHVVRULHV IURP WKH VXSSOLHU RI \RXU KDQGVHW
$FFHVVRULHV
(QJOLVK
352%/(0 %DWWHULHV UHPDLQ ORZ DOWKRXJK WKH KDQGVHW KDV EHHQ FKDUJHG IRU KRXUV &$86( 7KH FKDUJLQJ XQLW LV QRW SURSHUO\ FRQQHFWHG WR WKH HOHFWULFLW\ VRFNHW +DQGVHW EDWWHULHV DUH GHIHFWLYH 62/87,21 &KHFN WKH FRQQHFWLRQ EHWZHHQ FKDUJLQJ XQLW DQG HOHFWULFLW\ VRFNHW 2UGHU DQG LQVHUW QHZ EDWWHULHV
352%/(0 'DWH DQG WLPH DUH QRW GLVSOD\HG &$86( 7KH V\VWHP PLJKW QRW VXSSRUW WKLV 62/87,21 7XUQ KDQGVHW 2)) DQG 21 DJDLQ
(QJOLVK
352%/(0 1R GLDO WRQH &$86( 7KH KDQGVHW LV RXW RI UDQJH RI DQ\ UDGLR RI WKH '(&7 V\VWHP WKH DQWHQQD V\PERO LV QRW GLVSOD\HG 7KH KDQGVHW KDV QRW EHHQ UHJLVWHUHG WKH DQWHQQD V\PERO LV QRW GLVSOD\HG %DWWHULHV DUH ORZ 62/87,21 0RYH FORVHU WR D UDGLR RI WKH '(&7 V\VWHP $VN WKH 623+2 V\VWHP DGPLQLVWUDWRU WR UHJLVWHU WKH KDQGVHW WR WKH '(&7 V\VWHP &KDUJH EDWWHULHV
352%/(0 $Q HUURU EHHS LV KHDUG GXULQJ D FDOO &$86( 7KH KDQGVHW EDWWHULHV DUH ORZ 62/87,21 &KDUJH WKH EDWWHULHV
(QJOLVK
352%/(0 7KH NH\ LQ SUHGLDO PRGH WR LQLWLDWH 623+2 IDFLOLWLHV GRHV QRW ZRUN &$86( 7KH NH\ GRHV DFWLYDWH WKH VKRUWFXW PHQX DQG FDQ QRW EH XVHG LQ SUHGLDO PRGH 62/87,21 3UHVV WKH KRRN NH\ ILUVW EHIRUH SUHVVLQJ WKH NH\ 1RZ WKH NH\ LV XVDEOH WR LQLWLDWH 623+2 IDFLOLWLHV
352%/(0 7KH QDPH LV QRW GLVSOD\HG FRPSOHWHO\ &$86( 2QO\ RQH WH[W OLQH LV XVHG 7KH GLVSOD\ OHQJWK OLPLWV WKH WH[W OLQH VR WKLV OHQJWK FXWV RII WKH QDPH 62/87,21 8VH VKRUW QDPHV
352%/(0 7KH VZLWFK LQ WKH KHDGVHW FRUG GRHV QRW DQVZHU WKH FDOO &$86( <RX FDQ QRW XVH WKH VZLWFK LQ WKH KHDGVHW FRUG WR DQVZHU WKH FDOO 62/87,21
(QJOLVK