,QWURGXFWLRQ
=HURLQJWKH6HQVRUV
&RQWDFWLQJ%:7HFKQRORQH\ZHOO
6DIHW\,QIRUPDWLRQ5HDG)LUVW
6HQVRU3RLVRQVDQG&RQWDPLQDQWV
*HWWLQJ6WDUWHG
3DUWVRIWKH*DV$OHUW0LFUR&OLS
'LVSOD\(OHPHQWV
3XVKEXWWRQ
$FWLYDWLQJWKH'HWHFWRU
6HOI7HVW
%DWWHU\7HVW
$XGLEOH9LVXDO7HVW
'HWHFWRU9HUVLRQ
6WDUWXS0HVVDJH
$ODUP6HWSRLQWV
6HQVRUDQG3RZHU7HVW
$XWRPDWLF=HURDQG2
&DOLEUDWLRQRSWLRQDO
&DOLEUDWLRQ'XH'DWHRSWLRQDO
/DVW&DOLEUDWLRQ)DLOHGRSWLRQDO
2YHUGXH&DOLEUDWLRQ
&DO,5/RFN
%XPS7HVW
/DVW%XPS7HVW)DLOHG
)RUFH%XPSRSWLRQDO
6HOI7HVW3DVV
6HOI7HVW)DLO
%DWWHU\7HVW
%DFNOLJKW
'HDFWLYDWLQJWKH'HWHFWRU
,QVWDOOLQJ)OHHW0DQDJHU,,
8VLQJ)OHHW0DQDJHU,,WR&RQILJXUHWKH'HWHFWRU
'HWHFWRU,GHQWLILFDWLRQ
6HULDO1XPEHU
+DUGZDUH)LUPZDUH5HYLVLRQ
6WDUWXS0HVVDJH
6HQVRU&RQILJXUDWLRQ
6HQVRU'LVDEOHG
&DOLEUDWLRQ*DV&RQFHQWUDWLRQ
&DOLEUDWLRQ,QWHUYDO
%XPS,QWHUYDO
/RZ$ODUP
+LJK$ODUP
7:$$ODUP
67(/$ODUP
67(/,QWHUYDO
$XWR=HURRQ6WDUWXS
2
$XWR&DOLEUDWLRQRQ6WDUWXS
$XWRPDWLF2
&DOLEUDWLRQ
/(/%\9RO&+
8VHU2SWLRQV
/DWFKLQJ$ODUPV
6DIH0RGH
7DEOHRI&RQWHQWV
www.calcert.com
1.800.544.2843
0
5
10
15
20
25
30