Download Print this page

Advertisement

Quick Links

5HPRYHWKLVFDUGIROGLWDQGSXWLWLQ\RXUZDOOHW

Advertisement

loading
Need help?

Need help?

Do you have a question about the Geo GPRS and is the answer not in the manual?

Questions and answers

Subscribe to Our Youtube Channel

Summary of Contents for Trium Geo GPRS

  • Page 1 5HPRYHWKLVFDUGIROGLWDQGSXWLWLQ\RXUZDOOHW...
  • Page 2 *HQHUDORSHUDWLRQV +ROGLQJUHWULHYLQJDFDOO 3UHVV 9LHZLQJWKHODVWGLDOOHGQXPEHUV 3UHVV DQGSUHVV RU &DOOLQJWKHYRLFHPDLOFHQWUH 3UHVVDQGKROGGRZQ 5HDGLQJDQHZ606PHVVDJH 3UHVV5HDG &KRRVLQJDQRWKHUULQJWRQH 6HOHFW5LQJWRQHIURPWKH6HWWLQJV 7RQHVPHQX3UHVV RU WR FKRRVHWKHULQJWRQHDQGSUHVV 3KRQHERRNRSHUDWLRQV 6WRULQJDQXPEHU 3UHVV VHOHFW3KRQH%RRN VHOHFW6WRUHVHOHFW3KRQHQDPHV RU6,0QDPHVDQGIROORZWKH LQVWUXFWLRQV 'LDOOLQJDVWRUHGQXPEHU 3UHVV VHOHFWWKHHQWU\ SUHVV...
  • Page 3 8VHU*XLGH 86(523(5$7,216 7KLVJXLGHGHVFULEHVWKHRSHUDWLRQRIWKH7ULXP GXDOEDQG*60WHOHSKRQHWKH*(2*356 (GLWLRQ ‹0LWVXELVKL(OHFWULF7HOHFRP(XURSH :KLOVWHYHU\HIIRUWKDVEHHQPDGHWRHQVXUHWKHDFFXUDF\RIWKHLQVWUXFWLRQVFRQWDLQHG LQWKLVJXLGH0LWVXELVKL(OHFWULFUHVHUYHVWKHULJKWWRPDNHLPSURYHPHQWVDQGFKDQJHV WRWKHSURGXFWGHVFULEHGLQWKLVJXLGHDQGRUWRWKHJXLGHLWVHOIZLWKRXWSULRUQRWLFH...
  • Page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
  • Page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
  • Page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
  • Page 7 7DEOHRIFRQWHQWV  8VLQJWKLVJXLGH   ,QFDOORSWLRQV   +ROGLQJDQGUHWULHYLQJDFDOO   *HWWLQJVWDUWHG   &DOOZDLWLQJVZDSSLQJDQG PXOWLSDUW\ 3UHSDULQJWRPDNH\RXU FRQIHUHQFHFDOOV   ILUVWFDOOV  %DVLFRSHUDWLRQV   7KHPHQX 00,   6DIHW\LQIRUPDWLRQ   V\VWHP   9HKLFOHVDIHW\  $FFHVVWRWKHPHQXV  &DUHDQGPDLQWHQDQFH  0HQXPDS  <RXUUHVSRQVLELOLW\ (QWHULQJWH[W  6HFXULW\FRGHV ...
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page 13 (QGLQJDFDOO 3UHVV  &ORVLQJWKHIOLSGRHVQRWHQGDFDOO :DLWLQJDIHZVHFRQGVRUSUHVVLQJWKH([LWVRIWNH\ZLOOUHWXUQWRWKHVWDQGE\GLVSOD\ 7XUQLQJRIIWKHSKRQH 3UHVVDQGKROGGRZQ  $VZLWFKRIIWRQHZLOOVRXQGWRFRQILUP\RXUDFWLRQ'XULQJVZLWFK RIIDGLVSOD\DQLPDWLRQZLOOEHVKRZQ7KHPRELOHZLOOWKHQWXUQRII 'RQRWWXUQRIIWKHSKRQHE\UHPRYLQJWKHEDWWHU\DVGDWDZKLFKPD\QHHGWREHVDYHGLQWKH6,0 ZLOOEHORVW6HHDOVRSDJHIRUPRUH FXVWRPLVLQJ\RXUSKRQH GHWDLOV...
  • Page 14 6DIHW\LQIRUPDWLRQ 9HKLFOHVDIHW\ ‡ 5HVSHFWQDWLRQDOUHJXODWLRQVRQWKHXVHRIPRELOHWHOHSKRQHVLQYHKLFOHV ‡ 5RDGVDIHW\DOZD\VFRPHVILUVW$OZD\VJLYH\RXUIXOODWWHQWLRQWRGULYLQJ ‡ 'RQRWXVHDKDQGKHOGSKRQHZKLOVWGULYLQJ,I\RXGRQ WKDYHDKDQGVIUHH FDUNLWVWRSDQGSDUN\RXUYHKLFOHVDIHO\EHIRUHXVLQJ\RXUSKRQH ‡ ,IHTXLSSHGZLWKDFRUUHFWO\LQVWDOOHGYHKLFOHNLWDOORZLQJKDQGVIUHHRSHU DWLRQDQG\RXQHHGWRPDNHRUUHFHLYHDFDOOHQVXUHWKDWLWLVGRQHVHQVLEO\ DQGVDIHO\8VHSUHSURJUDPPHGQXPEHUVZKHUHSRVVLEOHDQGNHHSFDOOV VKRUWDQGURXWLQH ‡ ,ILQFRUUHFWO\LQVWDOOHGLQDYHKLFOHWKHRSHUDWLRQRIPRELOHWHOHSKRQHV FRXOGLQWHUIHUHZLWKWKHFRUUHFWRSHUDWLRQRIWKHYHKLFOHHOHFWURQLFVVXFK DV$%6DQWLORFNEUDNHVRUDLUEDJV7RDYRLGVXFKSUREOHPVHQVXUHWKDW RQO\TXDOLILHGSHUVRQQHOFDUU\RXWWKHLQVWDOODWLRQ9HULILFDWLRQRIWKHSUR WHFWLRQDQGRSHUDWLRQRIWKHYHKLFOHHOHFWURQLFVVKRXOGIRUPSDUWRIWKH LQVWDOODWLRQ,ILQGRXEWFRQVXOWZLWKWKHPDQXIDFWXUHU ‡ 'RQRWSODFHWKHSKRQHRQWKHSDVVHQJHUVHDWRUZKHUHLWFRXOGEUHDN ORRVHGXULQJVXGGHQEUHDNLQJRUDFROOLVLRQ$OZD\VXVHWKHKROGHU ‡ 7KHXVHRIDQDOHUWGHYLFHWRRSHUDWHDYHKLFOH VOLJKWVRUKRUQRQSXEOLF URDGVLVQRWSHUPLWWHG &DUHDQGPDLQWHQDQFH 7KLVPRELOHWHOHSKRQHLVWKHSURGXFWRIDGYDQFHGHQJLQHHULQJGHVLJQDQG FUDIWVPDQVKLSDQGVKRXOGEHWUHDWHGZLWKFDUH7KHVXJJHVWLRQVEHORZZLOO KHOS\RXWRHQMR\WKLVSURGXFWIRUPDQ\\HDUV ‡ 'RQRWH[SRVHWKHSKRQHWRDQ\H[WUHPHHQYLURQPHQWZKHUHWKHWHPSHUD WXUHRUKXPLGLW\LVKLJK ‡ 'RQRWH[SRVHRUVWRUHLQFROGWHPSHUDWXUHV:KHQWKHSKRQHZDUPVXS DIWHUVZLWFKRQWRLWVQRUPDOWHPSHUDWXUHPRLVWXUHFDQIRUPLQVLGH ZKHUHLWPD\GDPDJHWKHHOHFWULFDOSDUWV ‡ 'RQRWDWWHPSWWRGLVDVVHPEOHWKHSKRQH7KHUHDUHQRXVHUVHUYLFHDEOH SDUWVLQVLGH ‡...
  • Page 15 ‡ 'RQRWFRQQHFWLQFRPSDWLEOHSURGXFWV7KHXVHRIWKLUGSDUW\HTXLSPHQW RUDFFHVVRULHVQRWPDGHRUDXWKRULVHGE\0LWVXELVKL(OHFWULFPD\LQYDOL GDWHWKHZDUUDQW\RI\RXUSKRQHDQGPD\EHDVDIHW\ULVN ‡ 'RQRWUHPRYHWKHODEHOV7KHQXPEHUVRQLWDUHLPSRUWDQWIRUVHUYLFHDQG RWKHUUHODWHGSXUSRVHV ‡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
  • Page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
  • Page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
  • Page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
  • Page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‡ 'RQRWOHDYHEDWWHULHVFRQQHFWHGWRDFKDUJHUORQJHUWKDQQHFHV VDU\RYHUFKDUJLQJZLOOVKRUWHQEDWWHU\OLIH ‡ 'LVFRQQHFWEDWWHU\FKDUJHUVIURPWKHSRZHUVRXUFHZKHQQRWLQ XVH ‡ 'RQRWH[SRVHEDWWHULHVWRKLJKWHPSHUDWXUHVRUKXPLGLW\ ‡ 'RQRWGLVSRVHRIWKHEDWWHULHVLQILUH7KH\PD\H[SORGH ‡ $YRLGSXWWLQJWKHEDWWHULHVLQWRFRQWDFWZLWKPHWDOREMHFWVZKLFK PD\VKRUWFLUFXLWWKHEDWWHU\WHUPLQDOV HJNH\VSDSHUFOLSV FRLQVFKDLQVHWF  ‡ 'RQRWGURSRUVXEMHFWWKHEDWWHULHVWRVWURQJSK\VLFDOVKRFNV ‡ 'RQRWWU\WRGLVDVVHPEOHDQ\RIWKHEDWWHU\SDFNV ‡ 8VHRQO\WKHUHFRPPHQGHGEDWWHU\FKDUJHUV VHHSDJHVDQG ‡ ,IWKHEDWWHU\WHUPLQDOVEHFRPHVRLOHGFOHDQWKHPZLWKDVRIWFORWK ‡ ,WLVQRUPDOIRUEDWWHULHVWREHFRPHZDUPGXULQJFKDUJLQJ ‡ 2OGEDWWHULHVPXVWEHUHWXUQHGWRWKHSODFHRISXUFKDVHRUWRD SODFHZKHUHXVHGEDWWHULHVDUHSURSHUO\GLVSRVHGRI'RQRWGLV SRVHRIROGEDWWHULHVWRJHWKHUZLWKKRXVHKROGZDVWH %DWWHU\GLVSRVDO...
  • Page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
  • Page 21 .H\SDGORFN :KHQDFWLYDWHG WXUQHGRQ NH\SDGORFNSUHYHQWVDFFLGHQWDOFDOOVRU DFWLRQVEHLQJPDGHE\XVHUZKHQWKHSKRQHLVFDUULHGLQDSRFNHW EULHIFDVHRUKDQGEDJ:KHQRQNH\SDGORFNGRHVQRWSUHYHQWFDOOV EHLQJUHFHLYHGZKLFKDUHDQVZHUHGLQWKHQRUPDOZD\2Q FRPSOHWLRQRIDUHFHLYHGFDOONH\SDGORFNLVDXWRPDWLFDOO\UHDFWLYDWHG 7RWXUQNH\SDGORFNRQ 3UHVVDQGKROGGRZQ ZLOOEHGLVSOD\HG 7RWXUQNH\SDGORFNRII 3UHVV8QORFN SOXV ,IWKHULJKWVRIWNH\KDVEHHQSURJUDPPHGZLWKDQRWKHUIXQFWLRQ VHHSDJH KROGLQJWKHNH\ ZLOOORFNXQORFNWKHNH\SDG 6HHSDJHIRUPRUHNH\SDGORFNGHWDLOV ,QWHUQHW 3UHVVLQJ,QWHUQHW LQWKHVWDQGE\GLVSOD\DOORZV\RXDFFHVVWRWKH LQWHUQHWPDLQPHQXIURPZKLFK\RXFDQGLDOWKHKRPHSDJHRIIHUHG E\\RXUQHWZRUNRSHUDWRU3OHDVHUHIHUWRSDJHWROHDUQPRUHDERXW WKLVIHDWXUH 0HVVDJHV 606 3UHVVLQJ606 LQWKHVWDQGE\GLVSOD\DOORZV\RXWRDFFHVVWRWKH VKRUWPHVVDJHVPHQXZLWKWKHVDPHIXQFWLRQVDVZKHQDFFHVVLQJLW IURPWKHPDLQPHQX3OHDVHUHIHUWRSDJHWROHDUQDERXWWKHDYDLO DEOHIXQFWLRQVLQWKLVPHQX %DFNOLJKWRSHUDWLRQ 7KHEDFNOLJKWLVQRUPDOO\RII:KHQDNH\LVSUHVVHGWKHGLVSOD\DQG NH\SDGEDFNOLJKWZLOOFRPHRQIRUVHFRQGV,IDQLQFRPLQJFDOOLV UHFHLYHGWKHEDFNOLJKWZLOOFRPHRQDQGUHPDLQRQIRUVHFRQGV DIWHUWKHFDOOKDVEHHQDQVZHUHG 6HHSDJHVIRUEDFNOLJKWDGMXVWPHQW 7XUQLQJRIIWKHSKRQH 3UHVVDQGKROGGRZQ ...
  • Page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‡ %XV\LQWKHGLVSOD\LQGLFDWHVWKDWWKHFDOOHGSDUW\LVHQJDJHG,I $XWR5HWU\LVRQWKHSKRQHZLOODWWHPSWWRFDOODJDLQ VHHSDJH IRUGHWDLOV  ‡ 1RWDOORZHG IL[HGGLDOOLQJ LQWKHGLVSOD\PHDQVWKDWWKH QXPEHUGLDOOHGLVQRWDXWKRULVHGE\WKH)'1OLVW VHHSDJH IRUGHWDLOV  ‡ ,IWKHGLDOOHGQXPEHUPDWFKHVRQHVWRUHGLQWKHSKRQHERRN WKHQWKHDVVRFLDWHGQDPHRIWKHFDOOHGSHUVRQZLOODSSHDULQ WKHGLVSOD\ ‡ 7KHOLQHLFRQ ZLOODSSHDURQFHWKHFDOOLVHVWDEOLVKHG LI WKLVVHUYLFHLVDFWLYH LQGLFDWLQJWKDWWKHFDOOZDVPDGHXVLQJ WKLVOLQH VHHSDJHIRUGHWDLOV ...
  • Page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‡ ,IWKHFDOOHUVQXPEHULVQRWDYDLODEOH8QNQRZQQXPEHUZLOO EHGLVSOD\HGGXULQJFDOOSUHVHQWDWLRQWKHQ&DOOZLOOEHGLV SOD\HGGXULQJFDOOFRQQHFWLRQ ‡ ,IWKHFDOOHUVQXPEHULVDYDLODEOHEXWGRHVQRWPDWFKRQH VWRUHGLQ\RXUSKRQHERRNLWZLOODSSHDULQWKHGLVSOD\,ILW GRHVPDWFKDVWRUHGQXPEHUWKHQWKHDVVRFLDWHGQDPHZLOO DSSHDULQVWHDG ‡ ,IWKHFDOOHUKDVZLWKKHOGWKHLUQXPEHU:LWKKHOGQXPEHUZLOO EHGLVSOD\HGGXULQJFDOOSUHVHQWDWLRQWKHQ&DOOZLOOEHGLV SOD\HGGXULQJFRQQHFWLRQ ‡ $FDOOWLPHUZLOODOVRDSSHDU ‡ ZLOODSSHDULIWKHFDOOKDVEHHQUHFHLYHGRQ\RXUOLQH QXPEHU VHHSDJHIRUGHWDLOV  7RHQGWKHFDOO 3UHVV  7KHFDOOHU VQXPEHULIDYDLODEOHZLOOEHVWRUHGLQWKHUHFHLYHGFDOOV ORJ VHHSDJHIRUGHWDLOV ...
  • Page 24 FDOOZDVUHFHLYHG3UHVV WRFDOOWKHQXPEHU8QDQVZHUHGFDOOQXPEHUVZLOO EHVWRUHGLQWKHXQDQVZHUHGFDOOVORJ VHHSDJHIRUGHWDLOV  ‡ :KHQ\RXUHFHLYHQRWLILFDWLRQWKDWDYRLFHPHVVDJHKDVEHHQGHSRVLWHGLQ \RXUYRLFHPDLOER[DQDOHUWWRQHZLOOVRXQGDQG ZLOODSSHDULQWKHGLV SOD\3UHVV5HDG WRYLHZWKHPHVVDJHRUSUHVV WRVSHHGGLDO\RXU YRLFHPDLOPHVVDJHFHQWUH VHHSDJHVDQGIRUGHWDLOV  1%,IPRUHWKDQRQHLQGLFDWRULVVKRZQSUHVVLQJ5HDG ZLOOGLVSOD\D PHQXDOORZLQJ\RXWRFKRRVHEHWZHHQGLIIHUHQWLWHPV ‡ :KHQDQHZ606PHVVDJHLVUHFHLYHGDQDOHUWWRQHZLOOVRXQGDQG ZLOO EHGLVSOD\HG3UHVV5HDG WRYLHZWKH606LQER[PHVVDJHV ,I LVIODVKLQJ\RXZLOOKDYHWRGHOHWHDWOHDVWRQHROGUHFHLYHGPHVVDJHWR EHDEOHWRUHFHLYHQHZRQHV VHHSDJHIRUGHWDLOV  7KHGLVSOD\ZLOOVKRZWKHTXDQWLW\DQGW\SHRIPHVVDJHV 3UHVV5HDG WRVHOHFWWKHW\SHRIPHVVDJHWREHUHDG3UHVV6HOHFW RU WRYLHZWKHPHVVDJH :KHQRQHLQGLFDWRULVGLVSOD\HGWKHGDWHLVWHPSRUDULO\FOHDUHG:KHQWZRRUWKUHHLQGLFDWRUVDUH GLVSOD\HGWKHWLPHDQGGDWHDUHWHPSRUDULO\FOHDUHG...
  • Page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
  • Page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
  • Page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
  • Page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
  • Page 29 VLJQDOWRWKHFDOOHU3UHVV WRVZDSEHWZHHQWKHWZRFRQQHFWHGFDOOV 0DNLQJYRLFHFDOOVGXULQJ*356GDWDFDOOV <RXKDYHWRUHOHDVHWKHGDWDFRQQHFWLRQEHIRUHPDNLQJDFDOO 6WDQGDUGPRGH ‡ :$3ŒFDOO <RXKDYHWRFORVHWKH:$3ŒFRQQHFWLRQDQGOHDYHWKH:$3ŒVHV VLRQ VHHSDJH EHIRUHPDNLQJWKHQHZFDOO ‡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ŒFRQQHFWLRQV\RXUHWULHYHWKH:$3ŒFRQ WH[WRIIOLQH7KHILUVWDFFHVVWKDWQHHGVDQHWZRUNDFFHVVZLOOPDNH WKHFRQQHFWLRQDJDLQXVLQJWKHFRQQHFWLRQSDUDPHWHUVXVHGEH IRUH $3&FRQQHFWLRQKDVWREHUHVWDUWHGIURPWKH3& 0RGHPPRGH ,QWKLVPRGH VHHSDJH YRLFHFDOOVFDQQRWEHUHFHLYHGWKH PRELOHEHLQJGHWDFKHGIURPWKH*60VHUYLFHV...
  • Page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
  • Page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‡$SSOLFDWLRQV LQWKH6,0DQG ‡6HUYLFHV WKHSKRQH ‡,QIRUPDWLRQ 9RLFH0DLO ‡&DOO ‡1XPEHU ‡$OHUW 3KRQH%RRN ‡5HFDOO ‡6WRUH ‡5HPDLQLQJ ‡2ZQQXPEHUV ‡)L[HGGLDOOLQJ 0HVVDJHV ‡,QER[ ‡2XWER[ ‡:ULWHQHZ ‡6HWWLQJV...
  • Page 32 *606HUYLFHV ‡&DOOGLYHUWLQJ ‡&DOOZDLWLQJ ‡6HQGLQJP\,' ‡5HFHLYLQJFDOOHU,' ‡0RGHRIRSHUDWLRQ ‡1HWZRUN ‡&DOOEDUULQJ ‡&8* %URDGFDVW ‡2Q2II ‡0HVVDJHW\SHV ‡$OHUW ‡/DQJXDJH 6HWWLQJV ‡.H\SDGORFN ‡/DQJXDJH ‡7RQHV ‡'LVSOD\ ‡.H\V ‡$XWRIHDWXUHV ‡6HFXULW\ ‡7LPH 'DWH ‡'HIDXOWVHWWLQJV 2IILFH7RROV ‡6FUDWFKSDG ‡&XUUHQF\FRQYHUWHU ‡$ODUPFORFN *DPHV ‡5HVKDSH ‡3XVK ‡2SWLRQV ,QWHUQHW ‡+RPHSDJH ‡%RRNPDUNV ‡2WKHUVLWH ‡3URILOHV ‡&OHDUFDFKH ‡6HWWLQJV ,QIUDUHGSRUW ‡2SHQ ‡&ORVH 7KHDYDLODELOLW\DQGDSSHDUDQFHRIWKHVHIHDWXUHVLQWKHPHQXDUHGHSHQGHQWXSRQ...
  • Page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
  • Page 34 ‡ 3UHVV FDVHZLOOEHGLVSOD\HG ,IWKHGLVSOD\HGZRUGLVQRWWKHRQH\RXZDQWSUHVV DVPDQ\ WLPHVDVQHFHVVDU\WRYLHZFDUG ‡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
  • Page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‡ 3UHVV DQGVHOHFW0HVVDJHV ‡ 6HOHFW:ULWH1HZ ‡ 3UHVV  ZLOOGLVDSSHDU ‡ 3UHVVDQGKROG XQWLO LVGLVSOD\HG3UHVV EULHIO\WKUHH WLPHV&ZLOODSSHDULQWKHGLVSOD\ ‡...
  • Page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‡...
  • Page 37 ‡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‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\ (QWHUWKHQXPEHU3UHVV6WRUH  6HOHFW 3KRQHQDPHV $OLVWZLOOEHGLVSOD\HG <RXKDYHWRVHOHFWWKHLWHPFRUUHVSRQGLQJWRWKHQXPEHU...
  • Page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‡...
  • Page 39 (QWHUWKHUHTXHVWHGGDWD&RQILUPHDFKHQWU\E\SUHVVLQJ 2.  <RXZLOOWKHQEHDVNHGLI\RXZDQWWRHQWHUWKHDGGUHVV 6KRXOG\RXVHOHFW<HVWKHIROORZLQJILHOGVZLOOEHGLVSOD\HG )LHOG 3XUSRVH 1U6WUHHW 6WUHHW 3RVWDOFRGH 3RVWDOFRGH /RFDOLW\ /RFDOLW\QDPH 32%R[ 3RVWRIILFHER[ 6WDWH 6WDWH RUSURYLQFH &RXQWU\ &RXQWU\ (QWHUWKHUHTXHVWHGGDWD&RQILUPHDFKHQWU\E\SUHVVLQJ 2.  &RQILUPDWLRQRI\RXUHQWU\DQGWKHUHPDLQLQJORFDWLRQVZLOO EHEULHIO\GLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ ‡ )URPRWKHUVWRUHGORFDWLRQV 1XPEHUVVWRUHGLQWKHODVWGLDOOHGUHFHLYHGXQDQVZHUHGVFUDWFKSDG DQG606PHVVDJHORFDWLRQVFDQDOOEHVWRUHGLQWRWKHSKRQHERRN 'LVSOD\DQXPEHUIURPRQHRIWKHDERYHSUHVV2SWLRQV )ROORZWKHGLVSOD\LQVWUXFWLRQVDVIRUSRLQWLQWKHSUHYLRXV LWHP 'XULQJQXPEHUDQGQDPHHQWU\DVKRUWSUHVVRQ&OHDUZLOOFOHDUWKHODVWFKDUDFWHU$ORQJSUHVVZLOO FOHDUWKHZKROHGLVSOD\ 6,0SKRQHERRN ‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\ (QWHUWKHQXPEHU3UHVV6WRUH  6HOHFW 6,0QDPHV &RQILUPWKHQXPEHUE\SUHVVLQJ2. ...
  • Page 40 SUHVV2. &RQILUPDWLRQRI\RXUHQWU\DQGWKHUHPDLQLQJ ORFDWLRQVZLOOEHEULHIO\GLVSOD\HG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ ‡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‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\ 3UHVV WRGLVSOD\WKHSKRQHERRNOLVW 8VH RU WRVFUROOWRWKHQXPEHUUHTXLUHG...
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page 51 'LYHUWRSWLRQV $FWLRQ $OZD\V 'LYHUWVDOOLQFRPLQJYRLFHFDOOVXQFRQGLWLRQDOO\ :KHQQRW 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHFDQQRWEH UHDFKDEOH UHDFKHGLHRXWRIVHUYLFH 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHGRHVQRW 2QQRUHSO\ DQVZHU :KHQEXV\ 'LYHUWVDOOYRLFHFDOOVZKHQWKHSKRQHLVEXV\ 'LYHUWVDOOYRLFHFDOOVZKHQ1RW5HDFKDEOH1R $OOFRQGLWLRQV 5HSO\DQG:KHQ%XV\ &DQFHODOO &DQFHOVDOOGLYHUWV $OO)$;FDOOV 'LYHUWVXQFRQGLWLRQDOO\DOOLQFRPLQJID[FDOOV $OO'$7$FDOOV 'LYHUWVXQFRQGLWLRQDOO\DOOLQFRPLQJGDWDFDOOV 8VH RU WRVHOHFWWKHGLYHUWFRQGLWLRQDQGYDOLGDWHE\ SUHVVLQJ6HOHFW RU 6HOHFW$FWLYDWH 8VH RU WRFKRRVHEHWZHHQ9RLFH0DLO1DPHVRU 1XPEHU 3UHVV6HOHFW RU WRYDOLGDWH\RXUVHOHFWLRQ 7KHGLVSOD\ZLOOFRQILUP\RXUUHTXHVW 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ ,IWKH 2QQRUHSO\ RSWLRQLVVHOHFWHG\RXZLOOEHUHTXHVWHGWRHQWHUDGHOD\SHULRGRIRU VHFRQGV &DOOGLYHUWVIRUERWK/LQHDQG/LQHPXVWEHVHWIRUHDFKOLQH'XULQJFDOOGLYHUWSURJUDP PLQJRQO\WKHOLQHFXUUHQWO\VHOHFWHGLVDIIHFWHGE\WKHFDOOGLYHUWVHOHFWHG7RFDUU\RXWDFDOO...
  • Page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
  • Page 53 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 0RGHRIRSHUDWLRQ 7KLVVHWWLQJDOORZVPRELOHRSHUDWLRQVWREHWKHIROORZLQJ6WDQGDUG RU0RGHP ‡ 6WDQGDUGPRGH ,QWKLVPRGHWKHPRELOHKDVWKHEHKDYLRXURIDFODVV%PRELOHLWWULHV WRDWWDFKWR*60DQG*356QHWZRUNV,IWKHPRELOHVXFFHHGVDWWDFK LQJD*356QHWZRUN ZLOODSSHDULQWKHVWDQGE\GLVSOD\ ,QWKLVPRGHWKHPRELOHFDQVHQGDQGUHFHLYHYRLFHFDOOVDQGSDFNHW GDWDFDOOV 7RVHWWKHPRGHRIRSHUDWLRQVWR6WDQGDUG 3UHVV 6HOHFW*606HUYLFHV 6HOHFW0RGHRIRSHUDWLRQ 6HOHFW6WDQGDUG 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ ‡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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page 59 7KHUHDUHWZRZD\VWRWXUQNH\SDGORFNRQDQGRII ‡ 'LUHFWO\IURPWKHNH\SDGLQWKHVWDQGE\GLVSOD\ 3UHVVDQGKROGGRZQ WRWXUQNH\SDGORFNRQ 7KHGLVSOD\ZLOOVKRZ  3UHVV8QORFN SOXV WRWXUQNH\SDGORFNRII ‡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
  • Page 60 ‡ 8VLQJWKHPHQX 3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW$OHUWWRQHV 6HOHFW5LQJ9LEUDWH9LEUDWH ULQJRU9LEUDWHWKHQULQJ WRYDOLGDWH\RXUFKRLFH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ ,I5LQJLVVHOHFWHGEXWWKHULQJWRQHYROXPHKDVEHHQVHWWRRIIWKH LFRQZLOODSSHDULQWKHGLV SOD\ 7KHULQJWRQHYROXPHRIIVHWWLQJLVQRWVDYHGZKHQWKHSKRQHLVWXUQHGRII :KHQWKHSKRQHLVFRQQHFWHGWRHLWKHUWKH'HVN7RS&KDUJHU+)NLW&/$RU$&DGDSWRUWKHYLEUDWRU PRGHVHOHFWLRQLVWHPSRUDULO\LQKLELWHGDQGWKHSKRQHZLOOULQJLQVWHDG 5LQJWRQHVHOHFWLRQ <RXFDQFKRRVHWKHVRXQGRIWKHLQFRPLQJULQJWRQHIURPDVHOHFWLRQ RIULQJWRQHPHORGLHVVWRUHGLQWKHSKRQH 7RKHDU\RXUFKRVHQULQJWRQHPHORG\ZDLWVHYHUDOVHFRQGVEHIRUH FRQILUPLQJ\RXUFKRLFH7KHPHORG\ZLOOEHSOD\HG 5LQJWRQHVHOHFWLRQLVPDGHWKURXJKWKH6HWWLQJVPHQX 3UHVV 6HOHFW6HWWLQJV 6HOHFW7RQHV 6HOHFW5LQJWRQH 8VH RU WROLVWHQWRWKHGLIIHUHQWULQJWRQHV3UHVV WR VHOHFWWKHFXUUHQWWRQH 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ 6HSDUDWHWRQHVPXVWEHVHOHFWHGIRU/LQHDQG/LQH 9ROXPHDGMXVWPHQWV 7KHYROXPHOHYHOVRIWKHULQJWRQHNH\WRQHVDODUPWRQHV DODUPFORFN DQGORZEDWWHU\DODUP DQGWKHLQFRPLQJDXGLRFDQDOOEHLQGLYLGXDOO\ DGMXVWHGIURPWKHVWDQGE\GLVSOD\E\SUHVVLQJ RULQWKH6HWWLQJV PHQX 3UHVV...
  • Page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‡ 2QIRUVHFWKHGLVSOD\DQGNH\EDFNOLJKWZLOOVWD\RQIRU  VHFRQGVDIWHUWKHODVWNH\SUHVVRULQFRPLQJFDOO ‡ 2IIWKHEDFNOLJKWZLOOVWD\RII 3UHVV 6HOHFW6HWWLQJV 6HOHFW'LVSOD\ 6HOHFW%DFNOLJKW 6HOHFWHLWKHURIWKHWZRVHWWLQJV3UHVV WRYDOLGDWH...
  • Page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‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\ 3UHVVDQGKROGGRZQ RU  8VH RU WRVFUROOWKURXJKWKHFKRLFHRIVRIWNH\RSWLRQV 3UHVV6HOHFW WRYDOLGDWH\RXUFKRLFH 7KHVFUHHQZLOOFRQILUP\RXUVHOHFWLRQDQGUHWXUQWRWKH VWDQGE\GLVSOD\VKRZLQJ\RXUQHZVRIWNH\IXQFWLRQ...
  • Page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
  • Page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
  • Page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
  • Page 66 6XPPDU\RIFRGHSDVVZRUGHQWU\FKDUW 1XPEHURI ,IEORFNHGRU 3DVVZRUG /HQJWK WULHVDOORZHG IRUJRWWHQ 5HWXUQSKRQHWR 8QORFNFRGH GLJLWV 8QOLPLWHG PDQXIDFWXUHU  8QEORFNHGE\ WULHV GLJLWV XVHRI38.FRGH  8QEORFNHGE\ 3,1 WULHV GLJLWV XVHRI38. &RQWDFW\RXU GLJLWV WULHV VHUYLFHSURYLGHU &RQWDFW\RXU 38. GLJLWV WULHV VHUYLFHSURYLGHU &DOOEDUULQJ 1HWZRUN &RQWDFW\RXU GLJLWV SDVVZRUG GHWHUPLQHG VHUYLFHSURYLGHU 7LPH 'DWHVHWWLQJ 7RVHWHLWKHUWKHFXUUHQWWLPHDQGRUGDWH 3UHVV 6HOHFW6HWWLQJV...
  • Page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
  • Page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…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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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
  • Page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‡ 'LUHFWO\IURPWKHVWDQGE\GLVSOD\ 3UHVV 6HOHFW,QWHUQHW 6HOHFW%RRNPDUNV 3UHVV2SWLRQV VHOHFW0RGLI\DQGHQWHUWKHIROORZLQJ 2SWLRQ $FWLRQ $OLDV 1DPH\RXZLVKWRJLYHWR\RXUERRNPDUN +RPHSDJH +RPHSDJHDGGUHVV LINQRZQ 3UHVV2. WRYDOLGDWHHDFKHQWU\ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ <RXFDQDOVRDFFHVVWKH,QWHUQHWPHQXGLUHFWO\E\SUHVVLQJWKH,QWHUQHWVRIWNH\IURPWKHVWDQGE\ GLVSOD\ SURYLGHG\RXKDYHQ WSHUVRQDOLVHGWKHOHIWVRIWNH\ ,IWKHSKRQHORFNFRGHLVDFWLYHLWZLOO EHUHTXHVWHGZKHQHQWHULQJWKH,QWHUQHWPHQX ‡ 'XULQJDOLYHFRQQHFWLRQZKLOVWYLHZLQJDSDJH 3UHVV WRGLVSOD\WKHRSWLRQVPHQX 6HOHFW$GGERRNPDUNHQWHUWKH$OLDVQDPHDQGSUHVV...
  • Page 75 6HOHFW%RRNPDUNV 6HOHFWWKHERRNPDUNQDPH\RXUHTXLUH <RXFDQDOVRDFFHVVWKH,QWHUQHWPHQXGLUHFWO\E\SUHVVLQJWKH,QWHUQHWVRIWNH\IURPWKHVWDQGE\ GLVSOD\ SURYLGHG\RXKDYHQ WSHUVRQDOLVHGWKHOHIWVRIWNH\ ,IWKHSKRQHORFNFRGHLVDFWLYHLWZLOO EHUHTXHVWHGZKHQHQWHULQJWKH,QWHUQHWPHQX ‡ ZKLOVW\RXDUHEURZVLQJWKH,QWHUQHW 3UHVV WRGLVSOD\WKHRSWLRQVPHQX 6HOHFW*RWRERRNPDUN 6HOHFWWKHERRNPDUNQDPH\RXUHTXLUH 6HOHFWLQJDSURILOH <RXPD\VHOHFWD:$3ŒSURILOHWRFRQQHFWWRDWVWDUWXS 7KHOLVWRISURILOHVLVLQDOLVWWKDWLQFOXGHVDOOSURILOHV ,IRQO\RQHSURILOHLVSUHVHQWWKLVPHQXLWHPLVKLGGHQDQGWKLVSURILOH LVVHOHFWHGE\GHIDXOW,IVHYHUDOSURILOHVDUHGHILQHGWKHILUVWSURILOHRI WKHOLVWLVVHOHFWHGE\GHIDXOWZKHQVWDUWLQJD:$3Œ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
  • Page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
  • Page 77 3UHVV2SWLRQV 6HOHFW6HQGE\,U'$ 7KHLQIUDUHGSRUWZLOOILUVWEHRSHQHG 7KHWUDQVIHUZLOOWKHQEHSHUIRUPHG :KHQWKHWUDQVIHULVFRPSOHWHWKHSKRQHUHWXUQVWRWKH SKRQHERRNFDUGGLVSOD\ 3UHVV([LW RU WRUHWXUQWRWKHVWDQGE\GLVSOD\ *60PDQPDFKLQHLQWHUIDFHFRGHV 7KHSKRQHVXSSRUWVWKHVWDQGDUG*60NH\VHTXHQFHVXVLQJWKH DQGFKDU DFWHUVVHQWGLUHFWO\IURPWKHNH\SDGWRWKHQHWZRUN7KHVHVHTXHQFHVDUHXVHG WRDFWLYDWHDOOWKHVXSSOHPHQWDU\VHUYLFHVSURYLGHGE\WKHQHWZRUN &RQVXOW\RXUVHUYLFHSURYLGHUIRUDFRPSOHWHOLVW...
  • Page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
  • Page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
  • Page 80 6HUYLFH'LDOOLQJ1XPEHU2I\RXURSHUDWRURUVHUYLFHSUR YLGHU 6XEVFULEHU,GHQWLW\0RGXOH6XSSOLHGE\\RXUQHWZRUN VHUYLFHSURYLGHU 6KRUW0HVVDJH6HUYLFH 6HUYLFH3URYLGHU1DPH 6WDWXV5HSRUWUHODWHVWR606PHVVDJHV 6WDQGE\PRGH :KHQWKHSKRQHLVRQUHJLVWHUHGRQWRDQHWZRUNEXWQRW PDNLQJRUUHFHLYLQJDFDOO 8QLIRUP5HVRXUFH/RFDWRU :LUHOHVV$SSOLFDWLRQ(QYLURQPHQW :$3Œ :LUHOHVV$SSOLFDWLRQ3URWRFRO :LUHOHVV'DWDJUDP3URWRFRO :LUHOHVV0DUNXS/DQJXDJH :0/6 :LUHOHVV0DUNXS/DQJXDJH6FULSW :LUHOHVV6HVVLRQ3URWRFRO :7$, :LUHOHVV7HOHSKRQ\$SSOLFDWLRQ,QWHUIDFH :LUHOHVV7UDQVSRUW3URWRFRO...
  • Page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
  • Page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
  • Page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
  • Page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
  • Page 85 ,QGH[ &DOOEDUULQJ  $FFHVVSDUDPHWHUV   3DVVZRUG $FFHVVRULHV  &DOOFRVWV $ODUP 5HVHW  &ORFN   &DOOWLPHU 5HPLQGHU  5HVHW  $OHUWPRGH  &DOOHUOLQHLGHQWLW\ $OHUWWRQH &DOOLQJ 7XUQLQJRQRII   &DOOV 7LPHV $Q\NH\DQVZHU  &DOOFRVWV  $XWR &DOOWLPHUV  $QVZHU   &DOOVORJ  5HWU\  &RVWV ...
  • Page 86 *DPHV  0DNLQJDFDOO  *HQHUDO 0DQDJLQJ606PHVVDJHV  2SHUDWLRQV  0HQX 6DIHW\ 0HQXPDS *HWWLQJVWDUWHG 0HVVDJHWHPSODWHV  *ORVVDU\ 0HVVDJHV *356DFFHVV $OHUW *UDSKLFGLVSOD\LFRQV %URDGFDVW *60PDQPDFKLQHLQWHUIDFHFRGHV   ,Q%R[  *606HUYLFHV  0VJ7HPSODWHV   &DOOEDUULQJ  2XWER[  &DOOGLYHUWLQJ 6HWWLQJV   &8*  :ULWHQHZ  0RGHRIRSHUDWLRQ 0RELOHQXPEHU...
  • Page 87 3,13,1FRGHV  6HQGLQJ 3,1FRGH  6RIWNH\SURJUDPPLQJ 3RUWQXPEHU  6ROXWLRQV 3UHIHUUHGEHDUHU  6ROYLQJSUREOHPV  3UREOHPV  6SHHGGLDOOLQJ  3URILOHQDPH  6WDQGE\GLVSOD\ 3URILOHV   6WRULQJQDPHVDQGQXPEHUV 3URJUDPPDEOH 6RIWNH\V  7WH[WHQWU\  VRIWNH\V   7HJLF 7   7H[WHQWU\ 6SHHGGLDOOLQJ  0XOWLSUHVVPRGH  38.FRGH   0XOWLWDSPRGH  38.38.&RGHV   7LPH GDWH ...
  • Page 88: Declaration Of Compliance

    DECLARATION OF COMPLIANCE Name : Mitsubishi Electric Telecom Europe S.A. RCS Nanterre B 307 593 129 Address : 25, boulevard des Bouvets Town : Nanterre Cedex Postal code : 92741 Identification of the product Nature : Mobile Cell Telephone Type : Dual band GSM 900/DCS 1800 Sales reference : MT-344...
  • Page 89 3DQ(XURSHDQ6HUYLFH ,I\RXUHTXLUHVHUYLFHWKHQLQWKHILUVWLQVWDQFH\RXVKRXOG FRQWDFW\RXUVXSSOLHU 6KRXOG\RXH[SHULHQFHDQ\GLIILFXOW\WKHQSOHDVHFRQWDFW \RXUQHDUHVW0,768%,6+,ORFDWLRQOLVWHGEHORZIRU LQIRUPDWLRQRQRWKHUVHUYLFHFHQWHUV 81,7('.,1*'20 (63$f$ 7HO   7HO   )5$1&( ,7$/,$ 7HO   7HO   '(876&+/$1' ,5(/$1' 7HO   7HO   *606HUYLFH&DUG 7RREWDLQZDUUDQW\6HUYLFH\RXZLOOUHTXLUH\RXURULJLQDO HTXLSPHQWSXUFKDVHLQYRLFHRULUUHIXWDEOHSURRIRI SXUFKDVHSOXVWKLVFDUGSOHDVHILOOLQPLVVLQJLQIRUPDWLRQ 3OHDVHVHHZDUUDQW\WHUPVDQGFRQGLWLRQVIRULQZDUUDQW\ VHUYLFH 'DWHRISXUFKDVH  ,QYRLFHQXPEHU  'HDOHUQDPH  /RFDWLRQ   'HDOHUWHOQXPEHU ...
  • Page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