1
&RQWHQWV
,QWURGXFWLRQ
)&&/LFHQVLQJ,QIRUPDWLRQ
6DIHW\DQG*HQHUDO,QIRUPDWLRQ
5DGLR&RQWUROV
*HWWLQJ6WDUWHG
,QVWDOOLQJWKH3KRQH%DVH
3ODFHWKH3KRQH%DVH
,QVWDOOLQJWKH6ZLYHO%HOW
+ROVWHU
,QVWDOOLQJWKH5DGLR%DWWHULHV
&KDUJLQJWKH%DWWHU\
8VLQJWKH'URSLQ&KDUJHU
8VLQJWKH0XOWL8QLW
&KDUJHU
7XUQLQJ<RXU5DGLR
2QDQG2II
5HDGLQJWKH5DGLR'LVSOD\
$GMXVWLQJ7ZRZD\9ROXPHDQG$OHUW
7RQH
8VLQJWKH6RIW.H\V
8VLQJWKH1DYLJDWLRQ.H\
7ZR:D\0RGH
%DVLF7ZR:D\5DGLR2SHUDWLRQ
7ZR:D\7DON5DQJH
&RUGOHVV7DON5DQJH
8VLQJWKH0DLQ0HQX
&DOOHU,'/RJ
0RQLWRU$FWLYDWLRQ
6HWWLQJ5LQJ9ROXPH
9LEUD&DOO
6FDQ
92;+DQGV)UHH8VH
3KRQH0RGH
%DVLF3RUWDEOH3KRQH
2SHUDWLRQ
0DNLQJDQG5HFHLYLQJD&DOO
8VLQJWKH6SHDNHUSKRQH
3ODFLQJD&DOORQ+ROG
-RLQLQJD&DOO
8VLQJ5HGLDO
8VLQJ<RXU3KRQHERRN
3KRQH7ZRZD\,QWHUDFWLRQ
)LQGLQJ/RVWRU0LVSODFHG+DQGVHWV
3URJUDPPLQJ0RGH
)DFWRU\'HIDXOW6HWWLQJV
(QWHULQJ([LWLQJWKH3URJUDPPLQJ
0RGH
&ORQLQJ+DQGVHW6HWWLQJV
$GYDQFHG)HDWXUHV
7URXEOHVKRRWLQJ
8VHDQG&DUH
)UHTXHQFLHVDQG%DQGZLGWKV
6SLULW*76HULHV3URJUDPPLQJ
:DUUDQW\
Introduction
2
,QWURGXFWLRQ
7KDQN\RXIRUSXUFKDVLQJD0RWRUROD_6HULHV5DGLR<RXUUDGLRLVWKHUHVXOWRI
0RWRUROD¶VSOXV\HDUVRIH[SHULHQFHDVDZRUOGOHDGHULQGHVLJQLQJDQG
PDQXIDFWXULQJFRPPXQLFDWLRQVHTXLSPHQW7KH&/6FUDGLRSURYLGHVFRVW
HIIHFWLYHFRPPXQLFDWLRQVIRUUHVWDXUDQWVUHWDLOVWRUHVDQGVPDOOEXVLQHVVHV
0RWRURODSURIHVVLRQDOUDGLRVDUHWKHSHUIHFWFRPPXQLFDWLRQVVROXWLRQIRUDOORI
WRGD\¶VIDVWSDFHGLQGXVWULHV
3OHDVHUHDGWKLVJXLGHFDUHIXOO\VR\RXNQRZKRZWRSURSHUO\RSHUDWHWKLVSURGXFW
EHIRUHXVH
3DFNDJH&RQWHQWV
&/66HULHV5DGLR
6ZLYHO%HOW+ROVWHU
/LWKLXP,RQ+DQGVHW%DWWHU\
'URS,Q&KDUJHUZLWK7UDQVIRUPHU
8VHUV*XLGH
$FFHVVRU\%URFKXUH
:DUUDQW\&DUG
3KRQH%DVHZLWK7UDQVIRUPHUQRWLQFOXGHGZLWKDOOPRGHOV
3KRQH&RUGQRWLQFOXGHGZLWKDOOPRGHOV
1L&G%DVH%DWWHU\QRWLQFOXGHGZLWKDOOPRGHOV