Professional Documents
Culture Documents
3XEOLVKDERXWFUHDWHMVS
/RJLQDFFRXQWORJLQ
_ 6LJQ8SDFFRXQWJRSUR"VRXUFHD
KHDGHU VRXUFHD8UO LG$UGXLQR$OOLQ2QH*HWWLQJ6WDUWHG*XLGH"$//67(36
let's make
,QWHO,R7LGLQWHO
)HDWXUHG share what
you make
:RRGZRUNLQJWDJW\SHLGFDWHJRU\ZRUNVKRSFKDQQHOZRRGZRUNLQJ
$ERXW7KLV,QVWUXFWDEOH
KWWSFGQLQVWUXFWDEOHVFRP),'+)4&7/90),'+)4&7/90/$5*(MSJ
YLHZV
/LFHQVH
IDYRULWHV
$QDOOLQRQHWXWRULDOWRJHWWLQJVWDUWHGZLWKWKH$UGXLQRKWWSDUGXLQRFFRSHQ
VRXUFHHOHFWURQLFVSURWRW\SLQJSODWIRUP7KLVJXLGHLVPHDQWIRUWKHEHJLQQHUEXW
VKRXOGEHDOVREHXVHIXOWR\RXLI\RXDOUHDG\WLQNHUZLWKHOHFWURQLFVEXWZDQWWR
JHWVWDUWHGZLWKWKH$UGXLQR,
OOFRYHU
JXQQN
PHPEHUJXQQN
)ROORZ
EUHDGERDUGLQJ/('RXWSXWVIURPWKH$UGXLQR
FUHDWLQJDQGUHDGLQJGLJLWDOLQSXWVWRWKH$UGXLQR
KRZWRSURJUDPWKH$UGXLQRWRWDNHWKHLQSXWDQGDFWRQLWWRPRGLI\WKHRXWSXWV
PHPEHUJXQQN
%LR 0DNHU&RRUGLQDWRUIRU0DNHU)DLUH
1&/LIHLVVKRUW9RLGWKHZDUUDQW\
2XUGHPRQVWUDWLRQSURMHFWZLOOFRQVLVWRIDVHWRIWKUHHEOLQNLQJ/('
VWKDWEOLQN
LQVHTXHQFH<RX
OOFRQWUROWKHVSHHGRIWKHEOLQNVYLDDSXVKEXWWRQFRQWUROOHU
,
YHGHVLJQHGWKLVSURMHFWWREHPRGXODULQQDWXUHZHFDQFUHDWHDIDLUO\FRPSOH[
HIIHFWEXW,
YHZLUHGDQGFRGHGHYHU\WKLQJLQDPRGXODUIDVKLRQWRPDNHLWHDVLHU
WRIROORZ2IFRXUVHWKDWPHDQVWKDWQHLWKHUWKHFLUFXLWVQRUWKHFRGHDUH
QHFHVVDULO\WKHPRVWHIILFLHQWZD\RIGRLQJWKLQJVEXWWKHHPSKDVLVKHUHLVRQ
PDNLQJLWFOHDUDQGXQGHUVWDQGDEOH
7DJV
$FNQRZOHGJHPHQW,
GOLNHWRWKDQN/DG\$GDIRUKHUH[FHOOHQWVHWRIWXWRULDOVRQ
WKH$UGXLQRKWWSZZZODG\DGDQHWOHDUQDUGXLQRLQGH[KWPOZKLFKLVZKHUH,
ILUVWOHDUQHG$UGXLQREDVLFV,FRYHUDORWRIWKHVDPHJURXQGEXWKHUZRUNKDVD
YHU\GLIIHUHQWIODYRUDQGHPSKDVLVLQFOXGLQJDGLIIHUHQWVHWRIFLUFXLWVDQG
SURJUDPV,UHFRPPHQGWKDW\RXSD\KHUWXWRULDOVDYLVLW<RXFDQDOVREX\
$UGXLQRERDUGVDQGDQZLGHYDULHW\RIVKLHOGVDQGDFFHVVRULHVIRUWKH$UGXLQR
IURPKHUFRPSDQ\$GDIUXLW,QGXVWULHVKWWSZZZDGDIUXLWFRPLQGH[SKS
+HUH
VKRZWKHILQLVKHGSURMHFWEHKDYHV
DUGXLQRWDJW\SHLGFDWHJRU\WHFKQRORJ\NH\ZRUGDUGXLQR
WXWRULDOWDJW\SHLGFDWHJRU\WHFKQRORJ\NH\ZRUGWXWRULDO
5HODWHG
+RZWRXVH$UGXLQR0HJD
DV$UGXLQRLVS
LG+RZWRXVH$UGXLQR
0HJDDV$UGXLQR
LVS
:LUHOHVVXSORDGSURJUDP
WR$UGXLQRZLWKRXW86%
FDEOHLG:LUHOHVVXSORDG
SURJUDPWR$UGXLQR
ZLWKRXW86%FDE
&RQWURO$UGXLQR%RDUG
:LUHOHVVO\:LWKL3KRQH
L3DGRUL3RG8VLQJ
L$UGXLQR$SSDQG(WKHU
LG&RQWURO$UGXLQR
&KHFNLQJ\RXZLILVWDWXV
ZLWK$UGXLQR<XQ
LG&KHFNLQJ\RXZLIL
VWDWXVZLWK$UGXLQR<XQ
E\MSRQF]HN
7XUQ<RXU$UGXLQR,QWRDQ
,63LG7XUQ<RXU
6HH0RUHWDJW\SHLG"T
6WHS7HVWLQJ<RXU%RDUG*HWWLQJ6WDUWHG
KWWSFGQLQVWUXFWDEOHVFRP)7%*.)4&7,;+2)7%*.)4&7,;+2/$5*(MSJ
,I\RXKDYHDOUHDG\FRQQHFWHGDQ$UGXLQRWR\RXUFRPSXWHUDQGUXQWKHEDVLF
EOLQNH[DPSOH\RXFDQVNLSWKLVVWHS+RZHYHULIDOO\RX
YHGRQHLVXQER[LW
KHUH
VKRZWRVWDUW
'RZQORDGWKHVRIWZDUH\RX
OOQHHGIURPWKHPDNHUV6RIWZDUH'RZQORDG
KWWSDUGXLQRFFHQ0DLQ6RIWZDUH
,QVWDOOWKHVRIWZDUHDQGFRQQHFW\RXU$UGXLQRWR\RXUFRPSXWHUYLDD86%
FDEOH,WGUDZVSRZHUGLUHFWO\IURPWKH86%SRUWVR\RXGRQ
WQHHGWRFRQQHFWD
SRZHUVXSSO\WRLWDWWKLVSRLQW
,I\RXKDYHDQHZHUERDUG\RX
OOVHHDUHVLVWRUQH[WWRSLQDQGDQ/('QH[W
WRWKDW7KDW/('ZRUNVMXVWDVLILWZHUHFRQQHFWHGEHWZHHQSLQDQGWKH
JURXQG*1'SLQQH[WWRLW,IWKH/('LV127RQ\RXUERDUGMXVWFRQQHFWDQ
/('EHWZHHQDQG*1'<RXGRQ
WQHHGWRGRDQ\WKLQJHOVHVLQFHDUHVLVWRU
LVDOUHDG\EXLOWLQDQGOLPLWVWKHFXUUHQWWKURXJKWKH/('VR\RXGRQ
WSXW\RXU
ERDUGDWULVNRIDVKRUWFLUFXLW127(7KLVUHVLVWRUPD\QRWEHSUHVHQWRQUHDOO\
ROGERDUGV,MXVWGRQ
WNQRZEXW,GRXEW\RXKDYHRQHRIWKRVH
6HW\RXUERDUGW\SHDQGVHULDOSRUWXQGHU7RROVLQWKHVRIWZDUHNLW7KH
FXUUHQWYHUVLRQDWWKHWLPHRIZULWLQJGRHVQRWKDYHDQRSWLRQIRUWKHQHZHVW
'XHPLODQRYHERDUGVEXWFKRRVLQJ'LHFLPLODZRUNVMXVWILQH
2SHQWKHEOLQNH[DPSOHIURPWKHVRIWZDUHNLW,W
VXQGHU)LOH_6NHWFKERRN_
([DPSOHV_'LJLWDO7KHRQERDUG/('RUWKHRQH\RXDGGHGVKRXOGEOLQNRQ
DQGRIIDIWHU\RXXSORDGWKH%OLQNVNHWFKDV$UGXLQRSURMHFWVDUHFDOOHGWRWKH
ERDUG)LOH_8SORDG
:KHQ\RXZULWHSURJUDPVIRU\RXU$UGXLQR\RXZLOOQRUPDOO\GRPXFKRI\RXU
GHEXJJLQJLQWKHVRIWZDUHGHYHORSPHQWNLWE\GRLQJD9HULI\&RPSLOHEHIRUH
XSORDGLQJEXWVLQFHZHMXVWXSORDGLQJDSUHEXLOWWHVWVNHWFK,VNLSSHGWKDWKHUH
6WHS:LULQJWKH%OLQN\/LJKWV
KWWSFGQLQVWUXFWDEOHVFRP)-;)4&7,;,.)-;)4&7,;,./$5*(MSJ
,
YHEURNHQWKHFLUFXLWGRZQLQVXFKDZD\WKDWZHZLOOEHZLULQJXSRXURXWSXW
WKHEOLQN\OLJKWVFRPSOHWHO\VHSDUDWHO\IURPRXULQSXWWKHSXVKEXWWRQVZLWFK
0DNHVLWHDVLHUWRXQGHUVWDQGLI\RX
UHMXVWVWDUWLQJRXW
)LUVWDQRWHDQGZRUGRIFDXWLRQ1HZHU$UGXLQRERDUGVKDYHDQ/('ULJKWRQ
WKHERDUGLWVHOIRUDWOHDVWDUHVLVWRUFRQQHFWHGWRSLQVRWKDW\RXFDQVWLFNDQ
/('ULJKWEHWZHHQSLQDQGJURXQG*1'
7KLVLV127WUXHIRUWKHRWKHUSLQV,I\RXFRQQHFW/('
VRURWKHUFLUFXLWVRQ
RWKHUSLQV\RXPXVWEHFHUWDLQWRSURWHFW\RXUERDUGIURPH[FHVVLYHFXUUHQWVRU
IXOORXWVKRUWFLUFXLWV<RXFDQIU\\RXU$UGXLQR
3HUVRQDOO\,UHFRPPHQGWKDW\RXDOZD\VXVHDUHVLVWRUZKHQH[SHULPHQWLQJ
<RXGRQ
WZDQWWRDFFLGHQWDOO\VKRUWWRJURXQGVRDWOHDVWFRQQHFWDORZYDOXH
UHVLVWRUWRWKHJURXQGSLQ%HWWHUVDIHWKDQVRUU\
,QWKLVFLUFXLWZHDUHXVLQJSLQVDQGDVGLJLWDORXWSXWV9WRSRZHUWKH
/('
V7KHQHJDWLYHSRVWRIHDFK/('FRQQHFWVDFURVVDVLQJOHVKDUHGUHVLVWRU
DQGWKHQWRJURXQG,QP\FLUFXLW,
PXVLQJDRKPUHVLVWRULWZDVMXVWD
FRQYHQLHQWJUDEIURPP\SDUWVELQ<RXFDQXVHRWKHUYDOXHVKHUHMXVWGRQ
W
JRWRRH[WUHPHVRWKDW\RXGRQ
WHLWKHUDNHHSWKH/('IURPOLJKWLQJRUE
SXVKWRRPXFKFXUUHQWWKURXJK\RXU$UGXLQR
,I\RXUXQWKH$UGXLQREOLQNVNHWFKIURPVWHSRQH\RXVKRXOGQRZQRWLFHWKDW
RQHRI\RXU/('
VLVEOLQNLQJ,IQRW\RXVKRXOGFKHFNEDFNRYHU\RXUZLULQJDQG
FRPSRQHQWV$GLDJUDPIRUWKLVYHU\VLPSOHFLUFXLWLVEHORZ
6WHS:LULQJWKH3XVKEXWWRQ6ZLWFK
KWWSFGQLQVWUXFWDEOHVFRP))05;;/)4&7,;,9))05;;/)4&7,;,9/$5*(MSJ
7RNHHSWKLQJVPRGXODUWKHSXVKEXWWRQVZLWFKDOVRFRQQHFWVWR\RXU$UGXLQR
EXWLW
VDYHU\VHSDUDWHFLUFXLW
1RWHWKDWWKHOLWWOHSXVKEXWWRQVZLWFKHVFRPPRQO\DYDLODEOHKDYHIRXUOHJV7KH
SLQVRQHDFKVLGHDUHSHUPDQHQWO\FRQQHFWHGWRRQHDQRWKHUVRWKHEXWWRQ
DFWXDOO\PDNHVDVLQJOHFRQQHFWLRQEHWZHHQWKHWZRVLGHV,I\RX
UHLQGRXEWDV
WRZKLFKSRVWVDUHZKLFKMXVWFKHFNLWZLWK\RXUPXOWLPHWHU
,QWKHFLUFXLWGLDJUDP\RX
UHJRLQJWRQRWLFHWKDWZHDUHXVLQJWZRUHVLVWRUV
$JDLQWKHH[DFWYDOXHVDUHQ
WUHDOO\LPSRUWDQWEXWWKHUHODWLYHYDOXHVDUH,I\RX
DUHQ
WIDPLOLDUZLWKWKHFRQFHSWRISXOOXSSXOOGRZQUHVLVWRUVSOHDVHWDNHD
PLQXWHWRUHDOO\XQGHUVWDQGWKLVFLUFXLW,I\RXGRQ
W\RXZLOOOLNHO\JHWIODN\
UHVXOWVLQIXWXUHSURMHFWVRUZRUVH\HWEXUQRXW\RXU$UGXLQR
:KHQWKHVZLWFKLV23(1WKHFLUFXLWLVVLPSO\DFRQQHFWLRQIURPWKHGLJLWDOLQSXW
SLQLQRXUFDVHWRJURXQGWKURXJKDFRXSOHRIUHVLVWRUV6LQFHZHDUH
FRQQHFWHGWRJURXQGWKHYDOXHDWSLQLV/2:DSSUR[LPDWHO\]HURYROWV,IZH
ZHUHFRQQHFWHGRQO\WRWKHVZLWFKWKHYDOXHZRXOGEHZKDWHYHUQRLVHWKHZLUHV
ZHUHSLFNLQJXS0D\EHLWZRXOGEHFORVHHQRXJKWR]HURWRZRUNEXWPD\EH
QRW:HQHHGWKDWJURXQGFRQQHFWLRQWRPDNHVXUHRXUUHDGLQJLVULJKW
:KHQWKHVZLWFKLV&/26('WKH9VRXUFHLVFRQQHFWHGWRJURXQGDFURVVRXU
NUHVLVWRU7KHRKPUHVLVWRULVQHJOLJLEOHE\FRPSDULVRQVRLWKDVD
PLQLPDOHIIHFWRQWKHYROWDJHRXULQSXWSLQLVUHDGLQJ9DQGWKHGLJLWDOLQSXWLV
+,*+a97KHRKPUHVLVWRUNHHSVXVIURPFUHDWLQJDVKRUWEHWZHHQWKH
SRZHUVRXUFHDQGWKHSLQVRWKDWZHGRQ
WGDPDJHWKH$UGXLQR
$JDLQWKHH[DFWYDOXHVRIWKHVHUHVLVWRUVDUHQRWLPSRUWDQW-XVWPDNHVXUH5
LV08&+ELJJHUWKDQ5DQGWKDW5LVELJHQRXJKWROLPLWWKHFXUUHQWEDFNWR
WKHERDUG0\YDOXHVZHUHVLPSO\SOXFNHGIURPP\SDUWVELQ
&ODULILFDWLRQ7KHUHVLVWRULVDSXOO'2:1UHVLVWRUEHFDXVHLWFRQQHFWVWKHGLJLWDO
LQSXWWRJURXQG$SXOO83UHVLVWRUZRXOGSXOOWKHQRUPDOQREXWWRQSUHVVHG
VWDWHRIWKHLQSXWWR9
6WHS3URJUDPPLQJWKH3URMHFW
1RZWKDWZHKDYHFRPSOHWHGZLULQJXSRXUSURMHFWLWLVWLPHWRZULWHVRPHFRGH
,
PLQFOXGLQJDOOWKHFRGHEHORZEXWZLOOWDONDERXWWKHWKHRU\DOLWWOHILUVW
7KHFRGH,
YHSURYLGHGFRPSLOHVWRE\WHVLQVL]H7KH$UGXLQRKDQGOHV
SURJUDPVXSWRE\WHVLQVL]H7KLVOLWWOHSURMHFWWDNHVXSRYHURIWKH
$UGXLQR
VFDSDFLW\EXWWKLVLV5($//<QRWRSWLPDOFRGH,W
VDWXWRULDOVR,
YH
WULHGWREHFOHDUUDWKHUWKDQHIILFLHQW,ZRXOGQ
WEHDWDOOVXUSULVHGWRILQGLWFRXOG
EHUHZULWWHQLQKDOIWKHVSDFHRUOHVV
(YHU\$UGXLQRVNHWFKKDVWZRPDQGDWRU\DUHDVVHWXSDQGORRS6HWXS
H[HFXWHV21&(DIWHUWKHSURJUDPVWDUWV7KLVDOORZV\RXWRFRQILJXUHWKHLQLWLDO
VWDWHRIWKHERDUGZKLFKSLQVDUHLQSXWVZKLFKDUHRXWSXWVDQGZKHWKHU
RXWSXWVVWDUWRII+,*+RU/2:7KHORRSLVWKHVHFWLRQRIWKHSURJUDP
H[HFXWLYHGUHSHDWHGO\DVVRRQDVVHWXSKDVFRPSOHWHG7KHUHLVQRHQGRU
H[LWWRDQ$UGXLQRSURJUDPWKHUHLVQRZKHUHWRH[LWWR,I\RXKDYH
H[SHULHQFHSURJUDPPLQJ\RX
OOLPPHGLDWHO\UHFRJQL]HWKHODQJXDJHXVHGWR
SURJUDPWKH$UGXLQRLVRXUJRRGROGEXGG\&,IQRW\RXFDQSLFNXSWKHEDVLFV
MXVWE\JRLQJRYHUP\FRGHDQGWKHRWKHUH[DPSOHVLQWKHGHYHORSPHQWNLW0DQ\
JUHDW&WXWRULDOVDUHDOVRDYDLODEOHRQWKHZHE
1RZDVHFWLRQE\VHFWLRQEUHDNGRZQRIWKHVNHWFK
)LUVWZHVWDUWE\GHILQLQJVRPHYDULDEOHV0XFKRIWKLVDUHDLVIRUKXPDQ
FRPSUHKHQVLRQDQGFRXOGEHVNLSSHGIRUWKHVDNHRIHIILFLHQF\)RUH[DPSOH
,
YHGHILQHGDYDULDEOHFDOOHGOHG3LQ5HGDQGVHWLWHTXDOWR,XVHGWKUHH
FRORUVRI/('VWKHUHGRQHLVFRQQHFWHGWRGLJLWDOSLQ,FRXOGKDYHXVHG
GLUHFWO\WKURXJKRXWWKHSURJUDPEXWWKDWPDNHVLWPXFKKDUGHUWR
FRPSUHKHQG7KHFRPPHQWVQH[WWRWKHYDULDEOHVQRWHZKDWHDFKLVIRU
6HWXS+HUH,
YHVHWWKHSLQWRZKLFKWKHSXVKEXWWRQLVDWWDFKHGDVDQLQSXW
SLQ7KH$UGXLQRZLOOEHORRNLQJWRUHFHLYHLQIRUPDWLRQ+,*+RU/2:VLJQDOV
WKHUH,
YHVHWWKH/('FRQQHFWLRQVWREHRXWSXWVZKHUHWKHERDUGZLOOVHWWKH
YROWDJHDV+,*+RU/2:9RU9DVDSSURSULDWH)LQDOO\,WXUQHGRQP\
JUHHQ/('DQGPDGHVXUHWKHRWKHUVZHUHWXUQHG2))
JHW%XWWRQDIXQFWLRQMXVWDFRQWDLQHUIRUFRGHIRUDQ\QRQSURJUDPPHUV
UHDGLQJWKLVWKDWFDQEHFDOOHGIURPWKHPDLQORRSWRILQGRXWLIZH
YHSUHVVHG
WKHEXWWRQ,WNHHSVWUDFNRIWKHFXUUHQWVWDWHRIWKHEXWWRQ$1'WKHSUHYLRXV
VWDWHRIWKHEXWWRQWKHODVWWLPHZHORRNHGDWLW7KLVDOORZVXVWRUHVSRQGRQO\WR
LQGLYLGXDOEXWWRQSUHVVHVKROGLQJGRZQWKHEXWWRQRQO\FRXQWVDV21(SUHVV
7KLVLVLPSRUWDQWZKHQWKHOLJKWVDUHFKDQJLQJYHU\UDSLGO\OHVWLWEHYHU\WRXJK
WRFRQWURO
FKDQJH/LJKWVDQRWKHUIXQFWLRQ7KLVRQHJHWVFDOOHGZKHQHYHUZHQHHGWR
PRYHIURPRQH/('WRWKHQH[W7KHRQHWKDW
VRQJHWVWXUQHGRIIDQGWKHQH[W
RQHLQVHTXHQFHJHWVWXUQHGRQ,WDOVRXSGDWHVWKHFXUUHQW/('YDULDEOHVRZH
FDQNHHSWUDFNRIZKLFK/('LVFXUUHQWO\DFWLYH
ORRS7KHPDLQORRS+HUHZHILUVWPDNHDFDOOWRFKHFNRQWKHEXWWRQ,IZH
ILQGWKHEXWWRQZDVQ
WEHLQJSUHVVHGEXWQRZLWLVZHDGGWRWKHFXUUHQW6SHHG
YDULDEOH,IZH
UHJRLQJUHDOO\IDVWZHUHVHWFXUUHQW6SHHGEDFNWRORRSLQJ
DURXQGVRZHFDQJREDFNWRVORZVSHHGV$IWHUWKDW
ZHOOWKHQZHKLWDQXJO\OLQHWKDWGHWHUPLQHVLILWLVWLPHWRFKDQJHWRWKHQH[W
/('PLOOLVLVDEXLOWLQ$UGXLQRIXQFWLRQWKDWNHHSVWUDFNRIKRZORQJWKHERDUG
KDVEHHQUXQQLQJWKHFXUUHQWSURJUDP$OOZH
UHGRLQJKHUHLVILQGLQJRXWLI
HQRXJKWLPHKDVJRQHE\WKDWZHVKRXOGFKDQJHWRWKHQH[WOLJKW,IVRZHFDOO
WKHFKDQJH/LJKWVIXQFWLRQWRPDNHLWKDSSHQ
)LQDOO\KHUHLVWKHFRGHZDUQLQJLWORVHVDOLWWOHIRUPDWWLQJZKHQSRVWHGKHUH
VRLW
VQRWDVSUHWW\DVLWFRXOGEH
.HYLQ
V$UGXLQR7XWRULDO
7KLVVRIWZDUHLVGHVLJQHGWREHXVHGZLWKP\$UGXLQR$OOLQ2QH*HWWLQJ
6WDUWHG*XLGH
RYHUDWKWWSLQVWUXFWDEOHVFRPKWWSLQVWUXFWDEOHVFRP
1RWHWKDWWKHVHYDULDEOHVDUHDOO*/2%$/LQVFRSHVRWKH\
OOZRUNLQVLGHRXU
IXQFWLRQFDOOV
LQWOHG3LQ5HG 6HWXSGLJLWDORXWSXWVIRU/('V
LQWOHG3LQ<HOORZ
LQWOHG3LQ*UHHQ
LQWVZLWFK3LQ 6HWXSWRUHDGWKHVZLWFKVWDWHIURPGLJLWDOLQSXW
LQWFXUUHQW/(' *UHHQ <HOORZ 5HG
,0DGHLW
)DYRULWH
6WHSV
6KDUH
LQWFXUUHQW6SHHG 'HWHUPLQHVKRZIDVWZHVZLWFKEHWZHHQOLJKWV
LQWEXWWRQ:DV 7KHVWDWHRIWKHVZLWFKSXVKHG QRWSXVKHG ODVW
WLPHZHORRNHG
LQWEXWWRQ,V &XUUHQWVWDWHRIWKHVZLWFK
XQVLJQHGORQJWLPHU $WLPHUWRNHHSWUDFNRIZKHUHZHDUH
YRLGVHWXS5XQVRQFHZKHQWKHSURJUDPVNHWFKVWDUWV
^
SLQ0RGHVZLWFK3LQ,13877HOOVWKH$UGXLQRWRWUHDWWKHVZLWFK3LQDV,1387
SLQ0RGHOHG3LQ5HG2873877HOOVWKH$UGXLQRWKDWWKH5HG/('SLQLVIRU
287387
SLQ0RGHOHG3LQ<HOORZ287387
SLQ0RGHOHG3LQ*UHHQ287387
GLJLWDO:ULWHOHG3LQ*UHHQ+,*+*UHHQ/('LV21DWVWDUW
GLJLWDO:ULWHOHG3LQ5HG/2:5HG/('LV2))DWVWDUW
GLJLWDO:ULWHOHG3LQ<HOORZ/2:<HOORZ/('LV2))DWVWDUW
`
YRLGJHW%XWWRQ^/HW
VVHHZKDWWKHEXWWRQLVGRLQJVKDOOZH"
EXWWRQ:DV EXWWRQ,V6HWWKHROGVWDWHRIWKHEXWWRQWREHWKHFXUUHQWVWDWH
VLQFHZH
UHFUHDWLQJDQHZFXUUHQWVWDWH
EXWWRQ,V GLJLWDO5HDGVZLWFK3LQ5HDGWKHEXWWRQVWDWH
`
YRLGFKDQJH/LJKWV^7XUQ2))WKHFXUUHQWO\OLW/('DQGWXUQ21WKHQH[WRQH
WLPHU PLOOLVUHVHWRXUWLPHUWRWKHFXUUHQWWLPH
LIFXUUHQW/(' ^
GLJLWDO:ULWHOHG3LQ*UHHQ/2:
GLJLWDO:ULWHOHG3LQ<HOORZ+,*+
`
LIFXUUHQW/(' ^
GLJLWDO:ULWHOHG3LQ<HOORZ/2:
GLJLWDO:ULWHOHG3LQ5HG+,*+
`
LIFXUUHQW/(' ^
GLJLWDO:ULWHOHG3LQ*UHHQ+,*+
GLJLWDO:ULWHOHG3LQ5HG/2:
`
FXUUHQW/('$GGRQHWRFXUUHQW/('
LIFXUUHQW/(' ^FXUUHQW/(' `
`
YRLGORRS7KLVLVRXUPDLQORRS$UGXLQRSURJUDPVGRQ
WH[LWQRZKHUHWR
H[LW72
^
JHW%XWWRQ
LIEXWWRQ,V EXWWRQ:DV ^
FXUUHQW6SHHG$GGRQHWRWKHFXUUHQWGHOD\EHFDXVHWKHEXWWRQZDV
SUHVVHG
LIFXUUHQW6SHHG ^FXUUHQW6SHHG `/RRSDURXQGWKLVVHWVXVEDFNWR
DVORZURWDWLRQ
`
LIPLOOLV! WLPHUFXUUHQW6SHHG^7LPHWRFKDQJHWKHOLJKWV
FKDQJH/LJKWV
`
`
.HYLQV$UGXLQR7XWRULDOFSS
ILOHVRULJ)-)0,6)4&7/(7)-)0,6)4&7/(7WPS.%
6WHS:KHUHWR*RIURP+HUH
&RQJUDWXODWLRQV<RX
YHPDGHLWWRWKHHQGRIP\WXWRULDO
,
OOOHDYH\RXZLWKDFRXSOHRIKLQWVSOXVVRPHLGHDVRIZKDW\RXFDQGRXVLQJ
WKLVFLUFXLWDVDEDVLV
0\ELJJHVWKLQWLVWKHXVHRIWKH$UGXLQRVRIWZDUHNLW
VVHULDOPRQLWRU/HDUQWR
ORYHLW:KHQWKH$UGXLQRLVUXQQLQJXVHWKHVHULDOPRQLWRUWRVHHDQ\
LQIRUPDWLRQWKHERDUGLVVHQGLQJWR\RXUFRPSXWHU7KHFRPPDQG
6HULDOEHJLQ
ZLOOWHOOWKH$UGXLQRWRVHQGGDWDWRWKHFRPSXWHU:KDWGDWD"$Q\WKLQJ\RX
ZDQW-XVWXVH
6HULDOSULQW0\YDULDEOHLVQRZ
6HULDOSULQWOQP\9DULDEOH1DPH
1RWLFHWKDWWKRVHOLQHVDUHELWGLIIHUHQW7KHILUVWGRHVQ
WDGGDQHZOLQHRQWKH
HQGZKLOHWKHVHFRQGGRHV
8VH6HULDOSULQWIXQFWLRQV/,%(5$//<ZKHQGHEXJJLQJFRGH<RXFDQGHOHWH
WKHPRQFHHYHU\WKLQJLVZRUNLQJFRUUHFWO\
$OVRQRWHWKDWWKHJUHDWWKLQJDERXWWKH$UGXLQRLVWKDW\RXGRQ
WKDYHWRNHHSLW
KRRNHGWR\RXUFRPSXWHURQFH\RX
YHXSORDGHG\RXUVNHWFK+RZHYHUWKH
ERDUGZLOOQHHGSRZHU$9'&DGDSWHUZLWKDSRVLWLYHWLSLVZKDW\RX
OOQHHG,
NHHSDQDVVRUWPHQWRQKDQGSOXVDFRXSOHRIDGMXVWDEOHSRZHUVXSSOLHV,I\RX
GRQ
WKDYHDVXLWDEOHRQH$GDIUXLW,QGXVWULHVKDVWKHPDQGLQFOXGHVRQHLQWKHLU
$UGXLQRVWDUWHUNLW
6RQRZZKDW"<RXNQRZKRZWRZLUHRXWSXWDQGLQSXWWR\RXU$UGXLQRDQGKDYH
DZRUNLQJFRS\RIP\WXWRULDOSURMHFW+HUH
VDFRXSOHRILGHDVIRU\RXWRWU\
$GGPRUH/('
V,QVWHDGRIORRSLQJIURPWKHODVW/('WRWKHILUVWMXVWUHYHUVH
GLUHFWLRQ7KHEDFNDQGIRUWKVKRXOGPDNHDGHFHQW&\ORQHIIHFW
7U\DGGLQJDVHFRQGEXWWRQRQDQRWKHULQSXWWRVORZGRZQWKHUDWHRIEOLQNLQJ
2UPD\EHFUHDWHHQWLUHO\GLIIHUHQWSDWWHUQVXVLQJ\RXUVHFRQGVZLWFKWKHILUVW
RQHLVVSHHGWKHVHFRQGLVPRGH
,QDQ\FDVHKDYHIXQ7KH$UGXLQRLVDJUHDWSLHFHRIKDUGZDUHZLWKYLUWXDOO\
XQOLPLWHGDSSOLFDWLRQV$OLWWOHSUDFWLFHDQGDELWRILPDJLQDWLRQDQGWKHVN\
VWKH
OLPLW
:HKDYHDEHQLFHFRPPHQWSROLF\
3OHDVHEHSRVLWLYHDQGFRQVWUXFWLYH
,0DGHLW
RI
$GG,PDJHV
0DNH&RPPHQW
1H[WKWWSZZZLQVWUXFWDEOHVFRPLG$UGXLQR$OOLQ2QH*HWWLQJ6WDUWHG*XLGH"
VRUW $&7,9( OLPLW RIIVHW ',6&866
*ULPOLQJPHPEHU*ULPOLQJ
PRQWKVDJR
5HSO\
+LWKDQVNIRUWKHWXWRULDOLWZDVFOHDUDQGLWZRUNVHYHQLKDYHD$UGXLQR
PHPEHU*ULPOLQJ
0HJDHYHU\WKLQJLVILQH,MXVWGRQWJHWWKHODVWELWZLWKWKHVHULDOSULQW
IXQFWLRQ
&RXOG\RXVSHFLI\WKLV":KHUHGRLDGGWKHFRGH",QWRWKHPRQLWRUVHQG"
FGUDJRVJHRUJHPHPEHUFGUDJRVJHRUJH
PHPEHUFGUDJRVJHRUJH
\HDUVDJR
5HSO\
WKLVLVDJUHDWWXWRULDODERXW$UGXLQRDOVR,ZULWHDFRPSUHKHQVLYHWXWRULDO
DERXWKRZWRVWDUWXVLQJ$UGXLQRERDUGVDQGUHVRXUFHV
KWWSZZZLQWRURERWLFVFRPUHVRXUFHVDQGWXWRULDOVWRVWDUWZRUNLQJZLWK
DUGXLQRERDUGV
PYDQGHUGHHQPHPEHUPYDQGHUGHHQ
PHPEHUPYDQGHUGHHQ
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
'RZQORDGWKHILOHDWWKHHQGFDOOHG.HYLQV$UGXLQR7XWRULDOFSS7KDW
V
-867WKHFRGHDQG\RXFDQXVHLWDVLVLQWKH$UGXLQR,'(WKH
PHPEHUJXQQN
SURJUDPHGLWRU,QWKHWH[WRQWKLV,QVWUXFWDEOHVSDJHWKHFRGHVWDUWV
ZLWKWKHOLQH
DQGHQGVZLWKWKHILQDO
`
RQWKHSDJH
'RQ
WZRUU\DERXWVRXQGLQJOLNHDQLGLRW,I\RXDUHQ
WWDFNOLQJQHZ
VXEMHFWVZKHUH\RXGRQ
WNQRZDQ\WKLQJDWDOOWKHQ\RXDUHQ
WUHDFKLQJ
\RXUSRWHQWLDO7KHVPDUWHVWSHRSOH,NQRZDUHWKHOHDVWDIUDLGRI
ORRNLQJOLNHDQLGLRWVRWKH\IHDUOHVVO\DVNGXPETXHVWLRQVDOOWKH
WLPH
PHPEHUPYDQGHUGHHQ
\HDUVDJR
5HSO\
7KDQNVIRUWKHKHOSDQGWKHPRWLYDWLRQJUHDWLQVWUXFWDEOHE\WKHZD\
WRHOOHPHPEHUWRHOOH
\HDUVDJR
5HSO\
-XVWRUGHUHGDQDUGXLQRGXHPLODQRYH '&DQWZDLWWRJHWP\KDQGVRQLW3
PHPEHUWRHOOH
\HDUVDJR
5HSO\
%HFDUHIXOQRWWRURDVW\RXUILUVWRQH6WLFNZLWKXVLQJ86%SRZHUXQWLO
\RX
UHSUR(QMR\
PHPEHUORXZKRSOH\
PHPEHU\DO\
\HDUVDJR
5HSO\
,KDYHDQXQRWKDW,RUGHUHGIURPIXWHOHFWURQLFVFRPDQGEHFDXVH,OLYH
LQ(J\SWLWZDVGHOLYHUHGWRPHIRUWRWDORIHJSWLDQSRXQGVWKDW,
P
DIUDLGWRORVVRUIU\EHFDXVHLWKLQNP\GDGZRQ
WOHWPHEX\DQ\WKLQJ
HOVHIURPWKDWZHEVLWHDVLWZDVGHOLYHUHGDQHPSW\DUGXLQRXQRER[
VHDOHGDQGVHDOHGFDEOHVRWKHLWROGWKHPRQWKHSKRQHWKH\VHQW
DQRWKHURQHZLWKWKHERDUGLQVLGH
\HDUVDJR
5HSO\
7KHUH
VUHDOO\QRWPXFKWKDWFDQJRZURQJZLWKH[WHUQDOSRZHUVXSSO\
-XVWPDNHVXUH\RX
YHJRWWKHULJKWSRODULW\DQGWKDWLWLVQRKLJKHUWKDQ
PHPEHUWRHOOH
9'&DQG\RXVKRXOGEHJRRG
%XWGRQ
WSOD\ZLWKWUDQVLVWRUV3,URDVWHGSLQVRQP\DWPHJD
E\FRQQHFWLQJWUDQVLVWRUVWRLWWKHZURQJZD\EXW,DOUHDG\RUGHUHG
VRPHQHZDWPHJD
V'
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
+DKDKDLURDVWHGP\ZKROH
PHPEHUORXZKRSOH\
,DOVRRUGHUHGDQHZRQH
L
OOWU\WREHFDUHIXOQRWWRURDVWP\
VZKHQLJHWWKHP
:KHUHGR\RXRUGHU\RXUFKLSVIURP"
PHPEHUWRHOOH
$WOHDVWLRQO\URDVWHGSLQVVRIDURQP\VR,FDQVWLOOXVHWKH
RWKHUSLQV
\HDUVDJR
5HSO\
,RUGHUHGP\ILUVW$UGXLQRIURP,WDO\ZKLFKWRRNWRRORQJVRQRZ,DP
RUGHULQJSDUWVIURPWKHRQO\ORFDOVWRUHZHKDYHLQ6RXWK$IULFD
PHPEHUORXZKRSOH\
KWWSZZZQHWUDPFR]D
\HDUVDJR
5HSO\
DZHVRPHL
YHEHHQVWUXJJOLQJZLWKHOHFWURQLFVFRVWKH\GRQ
W
KDYHPXFKQRZLKD]DQHZSODFHWRJHWVP\VWXIIVWKDQNV
PHPEHUGDVWD
\HDUVDJR
5HSO\
2ND\,RUGHUHGP\ILUVWDUGXLQRIURPZZZFRROFRPSRQHQWVFRXNEXW
QRZLPRUGHULQJP\SDUWVIURPVSDUNIXQFRP%HWWHUSULFHVDQGPRUH
PHPEHUWRHOOH
VWXII
\HDUVDJR
5HSO\
LKDYHRIWKHQHZGHXPLODQRYHDWPHJD
VKRSHLGRQWIU\WKHP['
PHPEHUJHFNRPDJH
<HDKLDPRUGHULQJRQHWRR
PHPEHU5H&UHDWH
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
,RUGHUHGWRGD\*HWWLQJ6WDUWHGZLWK$UGXLQRNLWIURP0DNHUVKHG&DQ
W
ZDLWLWWRFRPHDOOWKHZD\WR)LQODQG
PHPEHU-RGH[
\HDUVDJR
5HSO\
:RZ)LQODQG",
PJRQQDJHWPLQHVRRQHYHQWXDOO\;'
PHPEHU5H&UHDWH
\HDUVDJR
5HSO\
0LQHLVJRQQDWDNHDOLLLWOHPRUHWKDQWKHGD\V6RPHRQHJRWRQH
IURP86WR&DQDGDLQDZHHN:HOO,MXVWKRSHWKDW,
GJHWPLQHLQ
PHPEHU-RGH[
DERXWRQHDQGDKDOIZHHN
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
LJRWPLQHQRZ''LG\RX"
PHPEHU5H&UHDWH
$K'/DVWPRQWK"
PHPEHU5H&UHDWH
<HV
PHPEHU-RGH[
:KDWKDYH\RXGRQHZLWKLWVRIDU"
PHPEHU5H&UHDWH
7KH%OLQNLQJ/('RIFRXUVH'7KH(0)GHWHFWRULVDZHVRPH
LQYHQWLRQDQG,DGGHGDSLH]REX]]HUWRPLQH$QG,
YHGRQHVRPH)65
PHPEHU-RGH[
IRUFHVHQVLQJUHVLVWRU/('VDQGNQLJKWULGHUOLJKWVDQGPDQ\RWKHUV
7KHVDPSOHFRGH0HORG\ZDVQLFHWRRDQGRIFRXUVHZLWKP\RZQ
PRGLILFDWLRQ:KDW\RXKDYHGRQH"'R\RXUHFRPPHQGVRPH
SURMHFW",UHFRPPHQGZDUPO\WKH(0)GHWHFWRUE\$DURQ$ODL
\HDUVDJR
5HSO\
7KHEOLQNLQJ/('*HWWLQJUHDGLQJVIURPSRWHQWLRPHWHUV$QGHYHQD
VLUHQEDVHGRQPHORG\FRGH:RXOG\RXOLNHWKHVLUHQFRGH"
PHPEHU5H&UHDWH
\HDUVDJR
5HSO\
+HUH
PHPEHU5H&UHDWH
6LUHQSGH
ILOHVRULJ)(0<)=4*%<)(0<)=4*%<WPS.%
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
,RUGHUHGIURP86$0DNHUVKHG)LQODQGLVRQHRIWKH1RUWKHVW
FRXQWULHVDQG,WDO\SUHWW\PXFKDWWKH6RXWKHVWHQGRI(XURSH6RLW
PHPEHU-RGH[
PLJKWWDNHVRPHWLPHWRJHWRYHUWKHRFHDQDQGKHUH
LMDELPHPEHULMDEL
\HDUVDJR
5HSO\
+L7R$OO
,QHHG\RXUKHOS,KDYH$UGXLQR'XHPLOQRYHEXWQRWKLQJKDSSHQZKHQ,SOXJLW
PHPEHULMDEL
WKURXJK86%7KHILUVWWLPH,SOXJXHGLWLWZHQWWKURXJKWKHLQVWDOODWLRQEXWZKHQ
,SOXJLWQRZWKHFRPSXWHUGRHVQRWGHWHFWLW
DQRWKHUWKLQJ,GRZQORDGHGDOOWKHGULYHUVEXWZKHQ,WU\WRXQ]LSWKHPWKH\
DUHNLQGRIQRQH[HFXWDEOH"ZKDWWRGR\RXUKHOSLVJUHDWO\
DSSUHFLDWHG7KDQNVDJDLQ
,MDEL
URERWPHPEHUURERW
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
DQGLKDYHDDUGXLQRXQR
PHPEHUURERW
URERWPHPEHUURERW
GRLKDYHWRUHVHWP\DUGXLQREHIRUHORGLQJDQRWKHUFRGHRULKDYHWRHUDVHWKH
ROGFRGHRUMXVWSURJUDPPHWKHQHZSURJUDP
PHPEHUURERW
DQGKRZPDQ\SLQVZLWFKGLGXXVHRU
PFPDKDQO\PHPEHUPFPDKDQO\
\HDUVDJR
5HSO\
,
PFRPSOHWHO\QHZZLWKSURJUDPPLQJGRQ
WHYHQNQRZPXFKDERXW
FRPSXWHUV&DQVRPHERG\SOHDVHH[SODLQWRPHZKDWPHDQVZKDWKHUHZK\
PHPEHUPFPDKDQO\
DPLW\SLQJLQWEHIRUHHYHU\WKLQJLVWKHUHVRPHZKHUHLFDQUHIHUHQFHDOORI
WKHVHWHUPV"
\HDUVDJR
5HSO\
,ZRXOGUHFRPPHQG\RXOHDUQDOLWWOHEDVLFSURJUDPPLQJILUVW/RRNIRU
DWXWRULDORQ&DVDVWDUWLQJSRLQWDVWKH$UGXLQRXVHVDELWRI&DQG
PHPEHUJXQQN
&IRULW
VGHYHORSPHQW
7KHLQWEHIRUHWKHYDULDEOHQDPHVGHILQHVZKDWNLQGRILQIRUPDWLRQWKH
YDULDEOHZLOOVWRUH,QWKHFDVHRILQWLWPHDQVWKHYDOXHZLOOEHDQ
LQWHJHU2WKHUFRPPRQYDULDEOHW\SHVDUHIORDWIRUIORDWLQJSRLQW
GHFLPDOQXPEHUVDQGFKDUIRUFKDUDFWHUV7KHUHDUHTXLWHDIHZ
W\SHV7KHIXOOODQJXDJHUHIHUHQFHIRUWKH$UGXLQRLVKHUH
KWWSDUGXLQRFFHQ5HIHUHQFH+RPH3DJH
HNKXUOH\PHPEHUHNKXUOH\
\HDUVDJR
5HSO\
,MXVWERXJKW7KHJHWWLQJVWDUWHGERRNDQGDNLWDQGWKH\NHHSPHQWLRQLQJ
XVLQJDUHVLVWRURQVRPHSLQVEXWQRWRWKHUVWKDQN\RXIRUILQDOO\H[SODLQLQJ
PHPEHUHNKXUOH\
ZK\
'LUW0F*XUWPHPEHU'LUW0F*XUW
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
,
PQHZWRWKLVVWXIIEXWZRXOGQ
WWKDWEHDSXOOGRZQ"
PHPEHU'LUW0F*XUW
&RUUHFW7KDQNVIRUWKHFDWFKRQWKDW,
YHFODULILHGWKHWH[WQRZ3XOO
XS3XOOGRZQUHIHUVWRZKDWKDSSHQVZKHQWKHVZLWFKLV23(1$SXOO
PHPEHUJXQQN
XSUHVLVWRUZRXOGKROG'LJLWDO3LQWR9$SXOOGRZQUHVLVWRUKROGVLW
WRZKHQWKHVZLWFKLVRSHQ:H
UHKROGLQJWR9ZKHQWKHVZLWFKLV
RSHQVRWKLVLVDSXOOGRZQUHVLVWRU
HWQLVPHPEHUHWQLV
\HDUVDJR
5HSO\
,KDYHDVOLJKWO\GLIIHUHQWVHWXSERWKUHVLVWRUVDUHRKP
PHPEHUHWQLV
7KHEXWWRQZKLWHSLQRUDQJH9EOXHJURXQG
7KHGLRGHV$OOZKLWHFDEOHVDUHFRQQHFWHGWRJURXQGRQWKLVSDUWRIWKHEUHDG
ERDUG&RQQHFWJURXQGWRUHVLVWRUDQGWKHQDOOGLRGHVWRWKHRWKHUHQGRIWKH
UHVLVWRU
,DOVRPRGLILHGWKHFRGHWRIL[VRPHEXJVDQGORRNEHWWHULQJHQHUDOLQP\
RSLQLRQKWWSSDVWHELQFRPIDKWWSSDVWHELQFRPID
/DUJHUSLFWXUHVKWWSZZZLQVWUXFWDEOHVFRPILOH)&+*11)65&8"
VL]H 25,*,1$/KWWSZZZLQVWUXFWDEOHVFRPILOH):+)65&8"
VL]H 25,*,1$/KWWSZZZLQVWUXFWDEOHVFRPILOH)3-19.))65&88"
VL]H 25,*,1$/
KWWSFGQLQVWUXFWDEOHVFRP):+)65&8):+)65&8/$5*(MSJ
KWWSFGQLQVWUXFWDEOHVFRP)3-19.))65&88)3-19.))65&88/$5*(MSJ
KWWSFGQLQVWUXFWDEOHVFRP)&+*11)65&8)&+*11)65&8/$5*(MSJ
\HDUVDJR
5HSO\
\HDUVDJR
5HSO\
7KHFRGHGHILQLWHO\ORRNVPXFKFOHDQHU
PHPEHUJXQQN
1RWHWKDWWKHFRGHVD\VLXVH/('VEXWWKHSLFWXUHVRQO\VKRZ
7KLVLVEHFDXVH,XSGDWHGWKHFRGHDIWHU,WRRNWKHSLFWXUHV
PHPEHUHWQLV
RI
1H[WKWWSZZZLQVWUXFWDEOHVFRPLG$UGXLQR$OOLQ2QH*HWWLQJ6WDUWHG*XLGH"
VRUW $&7,9( OLPLW RIIVHW ',6&866
:HKDYHDEHQLFHFRPPHQWSROLF\
3OHDVHEHSRVLWLYHDQGFRQVWUXFWLYH
,0DGHLW
$GG,PDJHV
0DNH&RPPHQW
FEATURED CHANNELS
/LIH+DFNV
WDJW\SH
,QWHO,R7
LGLQWHO
%HDXW\
WDJW\SH
:RRGZRUNLQJ
WDJW\SH
0LQHFUDIW
WDJW\SH
%UHDNIDVW
WDJW\SH
/DVHU&XW
WDJW\SH
2UJDQL]LQJ
WDJW\SH
$UGXLQR
WDJW\SH
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
LGFDWHJRU\
KRPHFKDQQHO KRPHFKDQQHO ZRUNVKRSFKDQQHOSOD\FKDQQHO
IRRGFKDQQHO
ZRUNVKRSFKDQQHOKRPHFKDQQHO WHFKQRORJ\FKDQQHO
OLIHKDFNV
EHDXW\
ZRRGZRUNLQJ PLQHFUDIW EUHDNIDVW ODVHUFXWWLQJ RUJDQL]LQJ
DUGXLQR
1HZVOHWWHU
-RLQPLOOLRQWRUHFHLYHLQVWDQW
LQVSLUDWLRQLQ\RXULQER[
HQWHUHPDLO
,
PLQ
0RELOH
'RZQORDGRXUDSSV
$QGURLGKWWSVSOD\JRRJOHFRPVWRUHDSSVGHWDLOV"LG FRPDGVNLQVWUXFWDEOHV
L26KWWSVLWXQHVDSSOHFRPDSSLQVWUXFWDEOHVLG
:LQGRZVKWWSDSSVPLFURVRIWFRPZLQGRZVHQXVDSSDIFFDGD
$ERXW8V
)LQG8V
:KR:H$UHDERXW
)DFHERRNKWWSZZZIDFHERRNFRPLQVWUXFWDEOHV
$GYHUWLVHDGYHUWLVH
<RXWXEHKWWSZZZ\RXWXEHFRPXVHULQVWUXFWDEOHVWY
&RQWDFWDERXWFRQWDFWMVS
7ZLWWHUKWWSZZZWZLWWHUFRPLQVWUXFWDEOHV
-REVFRPPXQLW\3RVLWLRQVDYDLODEOHDW,QVWUXFWDEOHV
+HOSLGKRZWRZULWHDJUHDWLQVWUXFWDEOH
3LQWHUHVWKWWSZZZSLQWHUHVWFRPLQVWUXFWDEOHV
*RRJOHKWWSVSOXVJRRJOHFRPLQVWUXFWDEOHV
7XPEOUKWWSLQVWUXFWDEOHVWXPEOUFRP
5HVRXUFHV
)RU7HDFKHUVWHDFKHUV
$UWLVWVLQ5HVLGHQFHDLU
*LIW3UR$FFRXQWDFFRXQWJLYH"VRXUFHD IRRWHU
)RUXPVFRPPXQLW\
$QVZHUVWDJW\SHTXHVWLRQ"VRUW 5(&(17
6LWHPDSVLWHPDS