Download RITCHEY User Manual Introduction Before Your First Ride ² Deter

5,7&+(<8VHU0DQXDO
,QWURGXFWLRQ
3HGDOVFUDQNVHWV
&RQJUDWXODWLRQVRQ\RXUSXUFKDVHRID5,7&+(<FRPSRQHQW\RX
KDYHPDGHDQH[FHOOHQWFKRLFH$W5,7&+(<ZHGHYHORSWHVWDQG
PDQXIDFWXUHRXUSURGXFWVZLWKGHGLFDWLRQDQGVWULYHWRXSKROGWKH
KLJKHVWVWDQGDUGVRITXDOLW\/LNHDOOKLJKTXDOLW\VSRUWVHTXLSPHQW
5,7&+(<FRPSRQHQWVUHTXLUHFDUHIXOLQVWDOODWLRQLQRUGHUWRIXQF
WLRQSURSHUO\DQGSURYLGHORQJWHUPGHSHQGDELOLW\:HUHFRPPHQG
WKDW\RXVHHNWKHDVVLVWDQFHRIDTXDOLÀHGPHFKDQLFDW\RXUORFDO
DXWKRUL]HG 5,7&+(< UHWDLO VKRS:H DOVR UHFRPPHQG XVLQJ DOO
5,7&+(<FRPSRQHQWVWRHQVXUHRSWLPDOSHUIRUPDQFHDQGGXUDELO
LW\2XUSUHFLVHWROHUDQFHVDUHLQWHQGHGWRHQVXUHFRPSRQHQWFRP
SDWLELOLW\DQGDUHFDUHIXOO\PRQLWRUHGGXULQJSURGXFWLRQDQGTXDOLW\
FRQWUROVRWKDWLQVWDOODWLRQZLOOEHHDV\DQGWURXEOHIUHH
,PSRUWDQWLQIRUPDWLRQDERXWXVHFDUHPDLQWHQDQFHDQGLQVWDOODWLRQ
&RQWHQWV
1RWHV$ERXWWKLV8VHU0DQXDO
,QWURGXFWLRQ
%HIRUH<RXU)LUVW5LGH²'HWHUPLQHG8VH
8VHKDQGOLQJRISHGDOVRQWKHELNH
*HQHUDO1RWHVRQ,QVWDOODWLRQ
8VLQJDWRUTXHZUHQFK
,QVWDOODWLRQRIFUDQNVHWVDQGFKDLQULQJV
,QVWDOODWLRQRISHGDOV
$GMXVWPHQWRIVSULQJWHQVLRQRISHGDOV
$WWDFKLQJWKHSHGDOFOHDWVWRWKHVKRHV
0DLQWHQDQFHFOHDQLQJDQGFDUHRISHGDOV
0DLQWHQDQFHFOHDQLQJDQGFDUHRIFUDQNVHWV
:DUUDQW\7HUPV
$1RWHRQ:HDU
0DQXIDFWXUHU·V*XDUDQWHH
1RWHV$ERXWWKLV8VHU0DQXDO
3D\SDUWLFXODUDWWHQWLRQWRWKHIROORZLQJV\PEROV
7KLV V\PERO PHDQV WKDW \RXU OLIH RU KHDOWK PD\ EH LQ
GDQJHUXQOHVV\RXFRPSO\ZLWKSURYLGHGLQVWUXFWLRQVRU
FDUU\RXWSUHVFULEHGPHDVXUHV
7KLVV\PEROZDUQV\RXDERXWDFWLRQVWKDWFRXOGOHDGWR
GDPDJHRISURSHUW\RUWKHHQYLURQPHQW
7KLVV\PEROLQGLFDWHVWKHUHLVVSHFLDOLQIRUPDWLRQRQKRZ
L
WRKDQGOHWKHSURGXFWDQGPD\UHIHU\RXWRDVSHFLÀFSDV
VDJHLQWKLVPDQXDOUHTXLULQJ\RXUVSHFLDODWWHQWLRQ
7KHSRVVLEOHFRQVHTXHQFHVGHVFULEHGDERYHDUHQRWUHSHDWHGHYHU\
WLPHRQHRIWKHV\PEROVDSSHDUV
D
7KLVPDQXDOFRQWDLQVLPSRUWDQWQRWHVDERXWXVHFDUHPDLQWHQDQFH
DQGLQVWDOODWLRQ
3OHDVH UHDG WKLV PDQXDO LQ LWV HQWLUHW\ EHJLQQLQJ ZLWK WKH JHQHUDO
LQIRUPDWLRQ7KHQ\RXFDQFDUHIXOO\UHYLHZLQGLYLGXDOFKDSWHUVVSH
FLÀFWRHDFKFRPSRQHQW\RXKDYHSXUFKDVHGRULQWHQGWRXVH'RLQJ
VRZLOOKHOSHQVXUHVPRRWKLQVWDOODWLRQDQGWURXEOHIUHHXVHRIWKH
SURGXFW
5HWDLQ WKLV XVHU PDQXDO IRU \RXU UHFRUGV DQG IXWXUH UHIHUHQFH ,I
\RX VHOO RU ORDQ \RXU FRPSRQHQW RU ELNH SURYLGH WKLV PDQXDO WR
WKHQHZXVHU
:LWK 5,7&+(< FRPSRQHQWV DV LV WKH FDVH ZLWK DOO OLJKWZHLJKW
ELF\FOHSURGXFWVVSHFLDOFDUHDQGDWWHQWLRQDUHUHTXLUHGIRUSURSHU
LQVWDOODWLRQDQGXVH0DWHULDOVXVHGE\5,7&+(<LQWKHPDQXIDFWXUH
RI LWV FRPSRQHQWV DUH H[WUHPHO\ VWURQJ DQG GXUDEOH \HW ORZ LQ
ZHLJKWPDNLQJWKHPSHUIHFWIRUKLJKSHUIRUPDQFHELNHULGLQJ,WLV
LPSRUWDQWWRQRWHKRZHYHUWKDWDOOPDWHULDOVQRPDWWHUKRZVWURQJ
DW WKH RXWVHW DUH VXVFHSWLEOH WR ZHDU WHDU DQG IDWLJXH RYHU WLPH
SRWHQWLDOO\ EHFRPLQJ EULWWOH GXH WR H[WHQVLYH H[SRVXUH WR YLEUD
WLRQVRULPSDFWV,QWKHHYHQWRIDFUDVKVLJQLÀFDQWLPSDFWRUXQGXH
VWUHVVRIDQ\NLQGWKHFRPSRQHQWPD\QRWVKRZREYLRXVRUYLVLEOH
VLJQV RI GDPDJH +RZHYHU VLQFH WKH PDWHULDO PD\ KDYH VXVWDLQHG
XQGHWHFWDEOH H[WHUQDO RU LQWHUQDO GDPDJH LW LV YHU\ GDQJHURXV WR
FRQWLQXH XVLQJ D FRPSRQHQW DIWHU XQGXH VWUHVV RU D VLJQLÀFDQW
LPSDFWEHFDXVHWKHFRPSRQHQWFRXOGHYHQWXDOO\IDLODVDUHVXOWZLWK
XQIRUHVHHDEOHFRQVHTXHQFHVWR\RXUKHDOWKRUZHOOEHLQJ$IWHUDQ\
VXFKRFFXUUHQFHFRQVXOW\RXUORFDO5,7&+(<GHDOHUWRJHWDSUR
IHVVLRQDOH[DPLQDWLRQDQGHYDOXDWLRQRIWKHSURGXFW
E
%HIRUH<RXU)LUVW5LGH²'HWHU
PLQHG8VH
8VHDQGKDQGOLQJRISHGDOVRQ
WKHELNH
5,7&+(<URDGSHGDOVDQGFUDQNVHWVDDUHGHVLJQHGIRUW\SLFDOXVH
RQURDGDQGWULDWKORQELNHV
7KHSHGDOVPDNHWKHFRQQHFWLRQEHWZHHQ\RXDQG\RXUELNH·VGULYH
WUDLQ7KHUHIRUHEHVXUHWRDOZD\VZHDUVXLWDEOHVKRHVLHELNHVKRHV
ZLWKPDWFKLQJFOHDWV
0RXQWDLQ ELNH SHGDOV E DQG FUDQNVHWV DUH GHVLJQHG IRU W\SLFDO
XVHRQF\FORFURVVWUHNNLQJDQGPRXQWDLQELNHV7KH\DUHKRZHYHU
QRWEXLOWIRUIUHHULGLQJGXDOVODORPGRZQKLOOMXPSVDQGFRPSDUDEOH
XVHV
7KH SHGDOV PXVW QRW EH XVHG ZLWK VWDWLRQDU\ VSLQQLQJELNHV RU
HUJRPHWHUV
7KHSHGDOVDQGFUDQNVHWVDUHGHVLJQHGWRFDUU\DPD[LPXPULGHU·V
ZHLJKWRINLORJUDPV²OXJJDJHHJEDFNSDFNLQFOXGHG
)RUDQ\5,7&+(<FOLSOHVVSHGDOLHSHGDOV\VWHP\RXQHHGVSHFLDO
F\FOLQJ VKRHV WKDW DOORZ IRU D FOHDW WR EH PRXQWHG WR WKHLU VROH
0RXQWDLQELNHDQGURDGELNHVKRHVGLIIHULQWKHZD\WKHFOHDWVDUH
LQVWDOOHG6KRHVGHVLJQHGIRUURDGELNHSHGDOVFDQQRWEHPRXQWHGWR
PRXQWDLQELNHVKRHVDQGYLFHYHUVD
0DNHVXUHWRJHWH[SHUWDGYLFHZKHQFKRRVLQJVKRHVVRWKDWWKH\
VXLWWKHXVH\RXLQWHQGIRUWKHP
5,7&+(<PRXQWDLQELNHSHGDOVDUHDOZD\VGHVLJQHGIRUWKHFOHDWV
WREHSUHVVHGLQRQERWKVLGHV:LWK5,7&+(<URDGSHGDOV\VWHPV
WKHHQJDJHPHQWPHFKDQLVPLVDSSOLHGRQO\WRRQHVLGHEHFDXVHRI
DVSHFLDOZHLJKWGLVWULEXWLRQWKHSHGDOKRZHYHUDOZD\VIDOOVEDFNWR
DSRVLWLRQDOORZLQJIRUWKHFOHDWWRHQJDJHZLWKLWDQG\RXMXVWKDYH
WRSUHVVLWLQ
3LFNXSWKHSHGDOZLWKWKHFOHDW·VWLSÀUVWDQGWKHQMXVWVWHSRQWRWKH
KRUL]RQWDOO\VWDQGLQJSHGDOERG\7KHVKRHZLOOHQJDJHZLWKWKHFOHDW
ZLWKDFOHDUO\DXGLEOHDQGQRWLFHDEOHFOLFNF
7KH HDVLHVW ZD\ RI HQJDJLQJ WKH FOHDW ZLWK WKH SHGDO LV ZKHQ WKH
SHGDOFUDQNDUPLVLQWKHORZHVWSRVLWLRQSRVVLEOHG
:LWK 5,7&+(< SHGDOV WKH FRQQHFWLRQ LV UHOHDVHG E\ WZLVWLQJ WKH
KHHORXWZDUGH
1HYHU PRGLI\ RU FKDQJH \RXU SHGDO RU FUDQNVHW 'R QRW ÀOH RU
GULOOKROHVLQDQ\FRPSRQHQWDVLWZLOOFRPSURPLVHWKHLUVWUXFWXUDO
LQWHJULW\DQGYRLG\RXUZDUUDQW\
%HVXUHWRDOZD\VDGMXVWWKHSHGDOVLQVXFKDZD\WKDWWKH\ÀUPO\
HQJDJHZLWKWKHVKRHVEXWDOORZIRUWKHPWREHUHOHDVHGTXLFNO\DW
DQ\WLPH,IWKH\VKRZVLJQVRIZHDUDQGWHDUFRQWDFW\RXUVSHFLDO
LVWELNHGHDOHUDQGGRQRWXVHWKHSHGDOVDQGFOHDWVXQWLOWKH\KDYH
EHHQDSSURYHGIRUXVHRUUHSODFHG
L
G
,I\RXKDYHDQ\TXHVWLRQVRUFRQFHUQVFRQWDFW\RXUORFDO
5,7&+(<UHWDLOHU
,I\RXUSHGDOVRUFUDQNVPDNHDQ\´FUHDNLQJµ´FUDFNOLQJµ
RU´FUDFNLQJµQRLVHVRULIWKHUHLVYLVLEOHGDPDJHVXFKDV
QRWFKHVWHDUVGHQWVGLVFRORUDWLRQVHWFGRQRWXVHWKHELF\FOH
XQWLO \RX KDYH FRQVXOWHG \RXU ORFDO 5,7&+(< GHDOHU ZKR FDQ
FKHFNWKHSDUWFDUHIXOO\DQGDGYLVHZKHWKHUUHSODFHPHQWLVQHFHV
VDU\
F
H
%HFDXVH RI WKH À[HG FRQQHFWLRQ ZKHQ HQJDJHG WKH SHGDO FDQ EH
SXVKHGDQGSXOOHGE\WKHÀ[HGIRRW7KLVPDNHVLWHDVLHUWRSHGDO
VPRRWKO\DQGFRQVLGHUDEO\LPSURYHVWKHWUDQVPLVVLRQRISRZHULQ
FRPSDULVRQZLWKRSHQER[FOLSSHGDOV8QOLNHZLWKSHGDOVXWLOL]LQJ
WRHFOLSVDQGVWUDSV\RXFDQDOZD\VUHOHDVHWKHVKRHIURPWKHSHGDO
E\VLPSO\WZLVWLQJ\RXUKHHORXWZDUG²WKLVHQKDQFHVVDIHW\HVSH
FLDOO\LQGDQJHURXVVLWXDWLRQVD
*HQHUDO1RWHVRQ,QVWDOODWLRQ
&UDQNVHWDQGSHGDOLQVWDOODWLRQVDUHMREVIRUDTXDOLÀHGPHFKDQLF
)RU\RXURZQVDIHW\KDYH\RXUORFDO5,7&+(<GHDOHUSHUIRUPWKH
LQVWDOODWLRQ DQG PDLQWHQDQFH MREV RXWOLQHG LQ WKLV PDQXDO (DFK RI
WKH IROORZLQJ LQVWUXFWLRQV PXVW EH IROORZHG SUHFLVHO\ )DLOXUH WR
REVHUYH WKHVH JXLGHOLQHV FDQ FDXVH D FRPSRQHQW WR IDLO UHVXOWLQJ
LQDFUDVKDQGRULQMXU\
7KHVSULQJWHQVLRQRIWKHSHGDOVFDQEHDGMXVWHG3OHDVH
L
UHDG WKH FKDSWHU WLWOHG ´$GMXVWPHQW RI VSULQJ WHQ
VLRQ´
,QVWDOODWLRQ RI SDUWV ZLWK GLIIHULQJ WROHUDQFHV FDQ FDXVH SUREOHPV
GXHWRLQFRPSDWLELOLW\RUSRRUÀWDQGFDQOHDGWRFRPSRQHQWIDLO
XUHDVZHOODVDFFLGHQWRULQMXU\
)LUVWSUDFWLVHSLFNLQJXSWKHSHGDOVDVZHOODVHQJDJLQJDQGUHOHDV
LQJWKHFOHDWIURPWKHSHGDOE\WZLVWLQJWKHIRRWRXWZDUGZKHQ
VWDQGLQJVWLOOEHIRUHUHÀQLQJWKHWHFKQLTXHRQDWUDIÀFIUHHVSDFH
RQWKHVWUHHW,WLVDGYLVDEOHWROHDQDJDLQVWDZDOORUVRPHWKLQJ
VLPLODUZKHQOHDUQLQJWKHVHPRWLRQVIRUWKHÀUVWWLPH
:HUHFRPPHQGXVLQJ5,7&+(<SHGDOVZLWKD5,7&+(<FUDQNVHW
DQGYLFHYHUVDEHFDXVHWKH\DUHGHVLJQHGWRÀWDQGIXQFWLRQDVDQ
LQWHJUDWHGZKROH,I\RXFKRRVHWRXVHDSDUWIURPDQRWKHUPDQX
IDFWXUHUFRQVXOWWKHLUSURGXFWGRFXPHQWDWLRQWRHQVXUHSURSHUÀW
DQGXVDELOLW\ZLWKD5,7&+(<FRPSRQHQW
2Q\RXUÀUVWWHVWULGHVRUDIWHUORQJHUULGHVZLWK\RXUQHZSHGDOV
WKHPRYHPHQWWRUHOHDVHWKHFOHDWLVQRW\HWIDPLOLDUDQGWKHUHIRUH
PD\QRWFRPHDXWRPDWLFDOO\$SRVVLEOHFRQVHTXHQFHRIWKLVLVWKH
ULGHUIDOOLQJWRWKHJURXQGIURPDVWDQGLQJSRVLWLRQZKLFKFDQOHDG
WRGDQJHURXVFROOLVLRQVZLWKRWKHUURDGXVHUV,QRUGHUWRSUHYHQW
WKLV IURP KDSSHQLQJ IRFXV RQ UHOHDVLQJ WKH FOHDW IURP WKH SHGDO
EHIRUH VWRSSLQJ ZKLOH \RX DUH OHDUQLQJ KRZ WR XVH \RXU FOLSOHVV
SHGDOV
5,7&+(<DVVXPHVQRUHVSRQVLELOLW\IRUSUREOHPVUHVXOWLQJIURPD
5,7&+(<FRPSRQHQWEHLQJXVHGZLWKDSDUWIURPDQRWKHUPDQX
IDFWXUHU
,I\RXDUHXQVXUHDERXWD5,7&+(<RUDQRQ5,7&+(<FRPSRQHQW
KDYH\RXUORFDO5,7&+(<GHDOHUH[DPLQHWKHSUREOHPLQRUGHUWR
VHHZKHWKHUWKHLVVXHFDQEHUHPHGLHGDQGKRZ
0DNHVXUHSHGDODQGVROHDUHDOZD\VIUHHRIGLUWDQGRWKHU
IRUHLJQREMHFWV2WKHUZLVHVDIHHQJDJHPHQWDQGUHOHDVH
FDQQRWEHJXDUDQWHHGOHDGLQJWRWKHGDQJHURIDFUDVK
2QFH LW LV GHWHUPLQHG WKDW D FRPSRQHQW LV GDPDJHG LW
VKRXOGQRWEHXVHGXQGHUDQ\FLUFXPVWDQFHV
*UHDVH DQG PRXQW WKH EROWV H DQG KROORZ EROWV E\ KDQG DQG
HQVXUHWKDWWKHFKDLQULQJVDUHURXQG7KHQWLJKWHQWKHEROWVWRWKH
UHFRPPHQGHGWRUTXHRI1P,QOEI
$VN\RXUELNHGHDOHUIRUVXSSRUWZKHQDGMXVWLQJDQGPRXQWLQJ\RXU
FUDQNVHWIRUWKHÀUVWWLPH,I\RXZDQWWRWU\LW\RXUVHOISOHDVHUHDG
WKHIROORZLQJFKDSWHUVFDUHIXOO\
1RWH WKDW 5,7&+(< FUDQNV DUH SURYLGHG IRU 6KLPDQR RFWDOLQN
ERWWRPEUDFNHWV*UHDVHWKHVSLQGOHRIWKHERWWRPEUDFNHWFDQG
WKHFUDQNEROWV0RXQWWKHFUDQNVDWWKHVSLQGOHFDUHIXOO\DQGWDNH
FDUHWKDWWKHWHHWKÀWWRJHWKHUSURSHUO\
1HYHU H[FHHG WKH WRUTXH LQGLFDWHG &KHFN WKH WRUTXH
DIWHUWKHÀUVWWRNLORPHWHUVPLOHVDQG
WKHQHYHU\NLORPHWHUVPLOHV/RRVHEROWVRUSHGDO
D[OHVFDQFDXVHDFFLGHQWVDQGLQMXU\
7HFKQLFDOGDWD
7LJKWHQWKHFUDQNVFUHZVRQO\DIWHUERWKSDUWVÀWWRJHWKHUVHFXUHO\
$OVR WDNH VSHFLDO QRWH RI WKH ERWWRP EUDFNHW PDQXIDFWXUHU·V
LQVWUXFWLRQV
%ROWFLUFOHURDG
$IWHU PRXQWLQJ WKH FUDQNV DQG WLJKWHQLQJ WKH FUDQN EROWV WR WKH
FRUUHFW EROW WRUTXH ZLWK D WRUTXH ZUHQFK FKHFN WKDW ERWK WKH
FUDQNHQGVDQGWKHFKDLQULQJVKDYHHQRXJKFOHDUDQFHLQUHODWLRQWR
WKHFKDLQVWD\VG
5HFRPPHQGHGFKDLQOLQHPRXQWDLQ
5,7&+(<FUDQNVDOZD\VFRPHZLWKFKDLQULQJVPRXQWHGDQGUHDG\
WREHLQVWDOOHGWRWKHELNH,I\RXZDQWWRPRXQWQHZFKDLQULQJVZH
VWURQJO\UHFRPPHQG\RXXVH5,7&+(<RULJLQDOVSDUHSDUWV
&KDLQZKHHOEROWV
3D\DWWHQWLRQWRWKHFRUUHFWSRVLWLRQRIWKHFKDLQULQJVGXULQJLQVWDO
ODWLRQ7KHSLQRIWKHELJFKDLQULQJPXVWEHEHKLQGWKHFUDQNDUP
7DNH FDUH WKDW WKH VPDOOHU ULQJV DUH SRVLWLRQHG VR WKDW WKH FKDLQ
FDQQRWZHGJHLQEHWZHHQWKHPDQGWKHLQVLGHRIWKHFUDQNDUP
3HGDOFOHDWVRQVROH
RUPP
%ROWFLUFOHPRXQWDLQ
PP
5HFRPPHQGHGFKDLQOLQHURDG
PP
PP
3HGDOWKUHDG
´[73,
5HFRPPHQGHGWRUTXHV
1P,QOE
&UDQNEROWV
1P,QOE
3HGDOVVSLQGOHV
1P,QOE
1P,QOE
$OO WRUTXHV DUH JXLGH YDOXHV RQO\$OVR REVHUYH WKH LQ
L
VWUXFWLRQV SURYLGHG E\ RWKHU FRPSRQHQWV PDQXIDFWXU
HUV,I\RXKDYHDQ\TXHVWLRQVSOHDVHDVN\RXU5,7&+(<GHDOHU
6WRSXVLQJWKHELF\FOHXQWLOWKHSDUWKDVEHHQUHSODFHG,I
WKHUHLVDQ\GRXEWZHUHFRPPHQGUHSODFLQJWKHSDUW
8VLQJDWRUTXHZUHQFK
7
F
7
)DPLOLDUL]H \RXUVHOI ZLWK WKH PHFKDQLVP RI \RXU SHGDO
EHIRUHJRLQJRQ\RXUÀUVWULGHE\SUDFWLVLQJLWZLWKRQH
IRRWRQWKHJURXQGDQGWKHRWKHURQHHQJDJLQJDQGUHOHDVLQJWKH
FOHDWIURPWKHSHGDO7KHQNHHSSUDFWLVLQJLQDWUDIÀFIUHHVSDFH
SUHIHUDEO\ZLWKVRIWJURXQG
,QVWDOODWLRQRIFUDQNVHWVDQG
FKDLQULQJV
H
7R DFKLHYH ORQJ ODVWLQJ DQG SUREOHP IUHH FODPSLQJ RI SDUWV
5,7&+(< FRQVLGHUV WKH XVH RI D WRUTXH ZUHQFK E DEVROXWHO\
QHFHVVDU\
/RRVH RU RYHUO\ WLJKWHQHG EROWV FDQ OHDG WR IDLOXUH DQG
WKHUHIRUH WR DQ DFFLGHQW $GKHUH WR WRUTXH VSHFLÀFD
WLRQVFDUHIXOO\,I\RXGRQRWKDYHDFFHVVWRDKLJKTXDOLW\WRUTXH
ZUHQFKVHH\RXUORFDO5,7&+(<GHDOHU
D
E
G
I
7
7
,QVWDOODWLRQRISHGDOV
$OZD\VDVN\RXUELNHGHDOHUIRUVXSSRUWZKHQDGMXVWLQJDQGPRXQW
LQJ\RXUSHGDOVIRUWKHÀUVWWLPH,I\RXZDQWWRDGMXVWRUPRXQW
\RXUSHGDOV\RXUVHOISOHDVHUHDGWKHIROORZLQJFKDSWHUVFDUHIXOO\
%HIRUH LQVWDOOLQJ WKH SHGDOV PDNH VXUH WKH SHGDO WKUHDG PDWFKHV
WKHFUDQN2OGHUELNHVEXWDOVR%0;ELNHVGRQRWKDYHWKHXVXDO
VWDQGDUGWKUHDG´[73,,QFDVHRIGRXEWDVN\RXU5,7&+(<
GHDOHUIRUDGYLFH
*UHDVHWKHFUDQNDQGSHGDOWKUHDGVDVZHOODVWKHSHGDOD[OHFRQWDFW
IDFHVZLWKÀWWLQJOXEULFDQWD
3RVLWLRQWKHD[OHRIWKHULJKWSHGDOZLWK\RXUÀQJHUVDQGVFUHZLWLQ
VHYHUDOWXUQVFORFNZLVHEHIRUHWLJKWHQLQJLWZLWKDSHGDOZUHQFKLH
DPPRSHQMDZZUHQFKE
7KH OHIW SHGDO KDV D OHIWKDQG WKUHDG 3RVLWLRQ WKH D[OH ZLWK \RXU
ÀQJHUVDQGVFUHZLWLQFRXQWHUFORFNZLVH7LJKWHQWKHSHGDOZLWKD
SHGDOZUHQFKF
$GMXVWPHQWRISHGDOVSULQJ
WHQVLRQ
$WWDFKLQJWKHSHGDOFOHDWVWR
WKHVKRHV
7KHWRUTXHUHFRPPHQGHGLVEHWZHHQ1P,QOE
7KHVSULQJWHQVLRQRI5,7&+(<SHGDOV\VWHPVFDQEHDGMXVWHGZLWK
DQ$OOHQNH\
)LUVWRIDOOFKHFNZKHWKHUWKHKROHVRQWKHERG\RIWKHFOHDWDUH
FRPSDWLEOHZLWKWKHGULOOHGKROHVLQWKHVROHRI\RXUELNHVKRH,W
LVUHFRPPHQGHGWRKDYH\RXUFOHDWVÀWE\\RXU5,7&+(<GHDOHULI
\RXDUHGRLQJWKLVIRUWKHÀUVWWLPH
6RPHFUDQNPDQXIDFWXUHUVDWWDFKZDVKHUVWRWKHLUFUDQNV
L
8VHWKHVHDFFRUGLQJWRWKHPDQXIDFWXUHU·VLQVWUXFWLRQVLI
QHFHVVDU\
1HYHU H[FHHG WKH WRUTXH LQGLFDWHG &KHFN WKH WRUTXH
DIWHUWKHÀUVWWRNLORPHWHUVPLOHVDQG
WKHQHYHU\NLORPHWHUVPLOHV/RRVHSHGDOD[OHVFDQ
FDXVHDFFLGHQWVDQGLQMXU\
$GMXVW WKH VSULQJ WHQVLRQ RI URDG SHGDOV ZLWK WKH EROW RQ WKH
ERWWRPRIWKHSHGDOG
$GMXVWWKHVSULQJWHQVLRQRIPRXQWDLQELNHSHGDOVZLWKWKHEROWLQ
WKHUHDURIWKHSHGDOH
$GMXVWWKHVSULQJWHQVLRQVRWKDW\RXFDQDOZD\VUHOHDVHWKHFOHDW
IURP WKH SHGDO$W WKH EHJLQQLQJ LW LV DGYLVDEOH WR FKRRVH D OLJKW
VSULQJWHQVLRQXQWLO\RXDUHPRUHIDPLOLDUZLWKWKHUHOHDVHPHFK
DQLVP $IWHU JHWWLQJ XVHG WR WKH V\VWHP D WLJKWHU VSULQJ WHQVLRQ
RIIHUVWKHDGYDQWDJHRIPRUHVHFXULW\7U\WLJKWHQLQJWKHWHQVLRQLQ
VPDOOLQFUHPHQWVDQGSUDFWLVHHQJDJLQJDQGUHOHDVLQJIURPWKHSHGDO
DVGHVFULEHGDERYHDIWHUHYHU\DGMXVWPHQW
D
F
E
*HQHUDOO\ VSHDNLQJ WKH WULDQJXODU LH SRLQWHG SDUW RI WKH FOHDW
VKRXOGDOZD\VSRLQWWRWKHWLSRIWKHVKRHI&OHDWVDQGVROHVKDYH
D FHUWDLQ DGMXVWPHQW UDQJH7KH FOHDWV· SRVLWLRQ WKHUHIRUH FDQ EH
DGMXVWHGWRVXLW\RXUSURSRUWLRQVDQGÀWQHHGV
$WWDFKWKHFOHDWVWRWKHVKRHVRWKDWWKHEDOORIWKHIRRWLVSRVL
WLRQHGRYHUWKHSHGDOD[OHJ
$ WRR WLJKW VSULQJ WHQVLRQ FDQ OHDG WR WKH HQJDJHPHQW
PHFKDQLVPQRWUHOHDVLQJWKHVKRHDQ\PRUH²EHDZDUH
G
I
H
J
7KHIRRWVKRXOGEHLQLWVQDWXUDOSRVLWLRQZKHQSHGDOOLQJ:LWKPRVW
SHRSOHWKHKHHOWKHQSRLQWVVOLJKWO\LQZDUGVD
'HWHUPLQHWKHFOHDWSRVLWLRQWKDWVXLWV\RXEHVWE\ORRVHQLQJDQG
VKLIWLQJWKHFOHDWRQWKHVKRHVHYHUDOWLPHVLIQHFHVVDU\
)LQDOO\WLJKWHQWKHFOHDWV·EROWVZLWKDWRUTXHZUHQFKWRDWRUTXHRI
WR1PWR,QOEE
%HVXUHWRDOVRUHDGWKHVKRHPDQXIDFWXUHU·VPDQXDOIRU
DGGLWLRQDOFOHDWPRXQWLQJÀWWLQJLQVWUXFWLRQV
%H VXUH WKH VKRH \RX FKRRVH LV FRPSDWLEOH ZLWK \RXU
5,7&+(<SHGDOV1RWDOOVKRHVDQGSHGDOVZRUNSHUIHFWO\
WRJHWKHU 6SHFLÀFDOO\ WKHUH DUH NH\ GLIIHUHQFHV EHWZHHQ PRXQ
WDLQELNHDQGURDGELNHVKRHV,ILQGRXEWVHHNDGYLFHIURP\RXU
5,7&+(<GHDOHU
2QO\ XVH SHGDO V\VWHPV ZKLFK HQJDJH DQG UHOHDVH
VPRRWKO\,IWKHSHGDOGRHVQRWZRUNSURSHUO\RULIWKH
FOHDWLVKHDYLO\ZRUQWKHUHLVWKHGDQJHURIIDOOLQJDVWKHVKRHPD\
UHOHDVH IURP WKH SHGDO LQDGYHUWHQWO\ ,Q VRPH FDVHV LW DOVR PD\
KDSSHQWKDWWKHVKRHFDQQRWSURSHUO\UHOHDVHDQ\PRUHRURQO\
ZLWKVRPHGLIÀFXOW\
0DLQWHQDQFHFOHDQLQJDQGFDUH
RISHGDOV
7KHSHGDOVDUHGHOLYHUHGUHDG\WRPRXQWH[FHSWIRUWKHLQGLYLGXDO
DGMXVWPHQWRIVSULQJWHQVLRQ7KHSHGDOV·EHDULQJVDUHJUHDVHGDQG
DGMXVWHG DQG UHTXLUH YHU\ OLWWOH PDLQWHQDQFH 'R QRW FOHDQ WKH
SHGDOVZLWKDVWURQJMHWRIZDWHUDVWKLVGDPDJHVWKHLQQHUJUHDVH
ÀOO DQG PD\ FRQWDPLQDWH WKH EHDULQJV 5HJXODUO\ FKHFN WKH SHGDOV
IRUSOD\LQWKHEHDULQJVRULIWKH\URWDWHZLWKGLIÀFXOW\,IWKLVLVWKH
FDVHSOHDVHFRQWDFW\RXU5,7&+(<GHDOHUIRUSURSHUDGMXVWPHQW
&OHDQ\RXUSHGDOVZLWKZDWHUDQGDVRIWFORWK,IQHFHVVDU\XVHD
QRQDEUDVLYHVRDSWRUHPRYHJULPH5HJXODUO\FOHDQWKHHQJDJHPHQW
PHFKDQLVPLHEHIRUHHYHU\ULGHLIQHFHVVDU\VRWKDWLWLVIUHHRIGLUW
DQGPXG*UHDVHWKHH[SRVHGVSULQJVDQGEHDULQJSRLQWVRIPRELOH
SDUWVZLWKRLOLHRQFHDPRQWKF
2QO\XVHJDVROLQHEDVHGVROYHQWVIRUFOHDQLQJWRXJKVWDLQVOLNHRLO
RUJUHDVHIURPKDUGVXUIDFHV'RQRWXVHGHJUHDVLQJDJHQWVZKLFK
FRQWDLQRUJDQLFVROYHQWVLHDFHWRQHWULFKORURHWK\OHQHPHWK\OHQH
HWF&KHPLFDOVRIWKLVVRUWPD\GDPDJHWKHÀQLVKRUVXEVWUXFWXUH
RIWKHPDWHULDO
$IWHU GU\LQJ \RXU ELNH \RX FDQ DSSO\ D ZD[ EDVHG SROLVK I WR
SDLQWHGFDUERQDQGPHWDOVXUIDFHV$IWHUWKHZD[KDVGULHGSROLVK
WKHSDUWV:LWKWKLVWUHDWPHQW\RXUSHGDOVZLOONHHSWKHLUQLFHÀQLVK
IRU\HDUV
D
F
:KLOHFOHDQLQJORRNIRUFUDFNVVFUDWFKHVGHQWVDVZHOODV
EHQWRUGLVFRORXUHGPDWHULDO,I\RXWKLQNWKHUHPD\EHD
SUREOHPVHH\RXUORFDO5,7&+(<GHDOHU+DYHGDPDJHGRUGHIHF
WLYHFRPSRQHQWVUHSODFHGLPPHGLDWHO\WRHQVXUHVDIHXVH
%HVXUHWKHEROWVIRUWKHFOHDWVDUHDOZD\VWLJKWHQHGWR
SURSHU WRUTXH WHQVLRQ 'LVHQJDJLQJ IURP WKH SHGDO LV
DOPRVWLPSRVVLEOHZLWKDORRVHFOHDW²SXWWLQJWKHULGHULQGDQJHU
RIFUDVKLQJ
&KHFN WKH WRUTXH RI WKH FOHDW EROWV DQG SHGDO
D[OHV LQ WKH FUDQNV DIWHU WKH ÀUVW WR NLORP
HWHUV PLOHV DQG WKHQ HYHU\ NLORPHWHUV PLOHV /RRVH SHGDO D[OHV DQG FOHDWV FDQ FDXVH DFFLGHQWV
&UHDNLQJ DQG VTXHDNLQJ RI FOHDWV FDQ EH À[HG E\ DSSO\LQJ VRPH
JUHDVHWRWKHFRQWDFWSRLQWVEHWZHHQFOHDWDQGSHGDOG
&OHDWVLQXVHDUHVXEMHFWWRZHDU,IWKH\GRQRWHQJDJHRUUHOHDVH
RULIWKH\RQO\HQJDJHRUUHOHDVHZLWKHDVHRUZLWKPXFKGLIÀFXOW\
WKH\ZLOOKDYHWREHUHSODFHG
6\QWKHWLFFOHDWVQHHGWREHLQVSHFWHGIRUZHDUUHJXODUO\,IWKHFOHDWV
DUH JHWWLQJ YHU\ WKLQ LQ WKH IURQW RU EDFN DQG DSSHDU WR KDYH D
FUHVFHQWVKDSHGWDSHUWKH\ZLOOKDYHWREHUHSODFHGLPPHGLDWHO\WR
HQVXUHVDIHW\$ZREEO\IHHOLQJRIWKHFOHDWZKHUHLWPHHWVWKHSHGDO
KLQWVWKDWWKHFOHDWRUVKRHVROHLVZRUQH
5HSODFHWKHFOHDWVRQO\ZLWKRULJLQDO5,7&+(<VSDUHSDUWV&OHDWV
IURP RWKHU PDQXIDFWXUHUV FDQ OHDG WR LPSURSHU ZRUNLQJ RI WKH
PHFKDQLVPSUHYHQWLQJWKHFOHDWIURPSURSHUUHOHDVH²DQGOHDGLQJ
WRWKHGDQJHURIDFUDVK
%HVXUHWRFKHFNWKHVSULQJWHQVLRQDIWHUFKDQJLQJWKHFOHDWVDQG
DGMXVWWKHPDQHZLIQHFHVVDU\
0DLQWHQDQFHFOHDQLQJDQGFDUH
RIFUDQNVHWV
7KH FUDQNVHWV DUH GHOLYHUHG UHDG\ WR PRXQW 'R QRW FOHDQ WKH
FUDQNVZLWKDVWURQJMHWRIZDWHUDVWKLVGDPDJHVWKHLQQHUJUHDVH
ÀOORIWKHERWWRPEUDFNHWEHDULQJV5HJXODUO\PRQLWRUWKHFKDLQULQJ
EROWVDQGFUDQNEROWVWRHQVXUHWKH\DUHWLJKWHQHGWRWKHUHFRP
PHQGHGWRUTXH
&KHFNWKHFKDLQULQJVIRUZHDULI\RXLQVWDOODQHZFKDLQ$QHZFKDLQ
PLJKWRWKHUZLVHVOLSDWWKHIUHHKXEWHHWKHQJDJHPHQWSRLQWUHVXOW
LQJLQDFUDVKRUDFFLGHQW
&KHFN WKH WLJKWHQLQJ WRUTXH RI WKH FKDLQULQJ EROWV DQG
FUDQN EROWV DIWHU WKH ÀUVW WR NLORPHWHUV PLOHVDQGWKHQHYHU\NLORPHWHUVPLOHV/RRVH
FKDLQULQJEROWVDQGFUDQNEROWVFDQFDXVHDFFLGHQWV
&OHDQ\RXUFUDQNVHWZLWKZDWHUDQGDVRIWFORWK,IQHFHVVDU\XVH
DQRQDEUDVLYHVRDSWRUHPRYHJULPH2QO\XVHJDVROLQHEDVHGVRO
YHQWVIRUFOHDQLQJWRXJKVWDLQVOLNHRLORUJUHDVHIURPKDUGVXUIDFHV
'R QRW XVH GHJUHDVLQJ DJHQWV ZKLFK FRQWDLQ RUJDQLF VROYHQWV LH
DFHWRQHWULFKORURHWK\OHQHPHWK\OHQHHWF&KHPLFDOVRIWKLVVRUW
PD\GDPDJHWKHÀQLVKRUVXEVWUXFWXUHRIWKHPDWHULDO
$IWHUGU\LQJ\RXUELNH\RXFDQDSSO\DZD[EDVHGSROLVKWRSDLQWHG
FDUERQDQGPHWDOVXUIDFHV$IWHUWKHZD[KDVGULHGSROLVKWKHSDUWV
:LWKWKLVWUHDWPHQW\RXUFUDQNVHWZLOONHHSLWVQLFHÀQLVKIRU\HDUV
I
:KLOHFOHDQLQJORRNIRUFUDFNVVFUDWFKHVGHQWVDVZHOODV
EHQWRUGLVFRORXUHGPDWHULDO,I\RXWKLQNWKHUHPD\EHD
SUREOHPVHH\RXUORFDO5,7&+(<GHDOHU+DYHGDPDJHGRUGHIHF
WLYHFRPSRQHQWVUHSODFHGLPPHGLDWHO\
D QRLVH RFFXUV IURP VRPHZKHUH DURXQG WKH SHGDOV
,I
JUHDVH WKH FRQWDFW SRLQWV EHWZHHQ FOHDWV DQG SHGDOV ,I
WKLVGRHVQRWVROYHWKHSUREOHPLWPD\EHDVLJQRIZHDU
'R QRW ULGH ZLWK ZRUQ FOHDWV WKH VKRH PLJKW UHOHDVH
XQH[SHFWHGO\
%HVXUHWKDWSHGDOVDQGVROHVDUHDOZD\VIUHHRIGLUWRU
RWKHUIRUHLJQREMHFWVNHHSWKHFOHDQDQGUHJXODUO\JUHDVH
WKHHQJDJHPHQWPHFKDQLVPZLWKRLO
E
H
G
I
PLQPP
:DUUDQW\7HUPV
8QGHU (XURSHDQ FRQVXPHU ODZ WKH SXUFKDVHU KDV IXOO VWDWXWRU\
ZDUUDQW\ULJKWVZLWKLQWKHÀUVWWZR\HDUVIURPGDWHRISXUFKDVH,Q
1RUWK$PHULFDWKHVHULJKWVDSSO\WRWKHÀUVW\HDUIURPWKHGDWHRI
SXUFKDVH$FFRUGLQJWRWKHVHODZV\RXU5,7&+(<GHDOHULVUHVSRQ
VLEOH IRU HQVXULQJ WKH SURGXFW LV IUHH RI GHIHFWV WKDW FRXOG FDXVH
SUHPDWXUHZHDUIURPQRUPDOXVH
$1RWHRQ:HDU
0DQXIDFWXUHU·V*XDUDQWHH
%LF\FOHFRPSRQHQWVDUHVXEMHFWWRZHDUGXHWRQRUPDODQGSURSHU
XVH7KH UDWH RI ZHDU ZLOO GHSHQG RQ FDUH DQG PDLQWHQDQFH WKH
ELNH·VXVDJHDQGWKHHQYLURQPHQWLWLVH[SRVHGWRVXFKDVUDLQPXG
GXVWDQGVDQG6RPHFRPSRQHQWVUHTXLUHUHJXODUFDUHDQGPDLQWH
QDQFHEXWGHVSLWHWKHEHVWPDLQWHQDQFHSURJUDPDOOFRPSRQHQWV
ZLOOHYHQWXDOO\UHDFKWKHHQGRIWKHLUVHUYLFHDEOHOLIHGHSHQGLQJRQ
FRQGLWLRQVDQGLQWHQVLW\RIXVH
5,7&+(< SURGXFWV KDYH EHHQ GHYHORSHG DQG PDQXIDFWXUHG ZLWK
JUHDWFDUHDQGKDYHJRQHWKURXJKQXPHURXVWHVWLQJFRQWUROV2XU
SURGXFWVDUHH[DPLQHGDVSDUWRIRXULQWHUQDOTXDOLW\FRQWUROSURF
HVV WR PHHW VWULFW VWDQGDUGV DV ZHOO DV E\ H[WHUQDO QHXWUDO WHVW
ODERUDWRULHV
7KH WZR \HDU ZDUUDQW\ ODZ LV RQO\ YDOLG LQ FRXQWULHV
L
ZKHUH(XURSHDQ(8UHJXODWLRQVDSSO\3OHDVHDVN\RXU
ELF\FOHGHDOHUDERXWWKHUHJXODWLRQVLQ\RXUFRXQWU\
7KHIROORZLQJ5,7&+(<SDUWLVHVSHFLDOO\VXEMHFWWRZHDUGXHWR
WKHQDWXUHRILWVLQWHQGHGXVHDQGQRWFRYHUHGIRUZHDUXQGHUWKLV
ZDUUDQW\
:DUUDQW\FODLPVZLOORQO\EHDFFHSWHGLIWKHELF\FOHKDVEHHQXVHG
VROHO\IRULWVLQWHQGHGSXUSRVHVHHVHFWLRQ´%HIRUH\RXUÀUVWULGHµ
7KHFOHDWVRISHGDOVDUHVXEMHFWWRZHDUIURPWKHOXEULFDQWVLQWKH
EHDULQJV RI SHGDOV DQG WKH FKDLQULQJV RI FUDQNVHWV DUH VXEMHFW WR
DEUDVLRQIURPWKHFKDLQDQGURDGJULW
,WGRHVQRWFRYHUGDPDJHUHVXOWLQJIURPZHDUQHJOHFWLQVXIÀFLHQW
FDUHDQGPDLQWHQDQFHDFFLGHQWVRYHUVWUHVVFDXVHGE\RYHUWLJKW
HQLQJ LQFRUUHFW LQVWDOODWLRQ LPSURSHU WUHDWPHQW RU DV D UHVXOW RI
PRGLÀFDWLRQVPDGHWRWKHFRPSRQHQW
)RU WKH (8 PDUNHW ZH JUDQW LQGHSHQGHQW RI OHJDO UHJXODWLRQV D
YROXQWDU\JXDUDQWHHWKDW\RXU5,7&+(<SURGXFWLVIUHHRIPDQX
IDFWXULQJDQGZRUNPDQVKLSGHIHFWVIRUWZR\HDUVIURPWKHGDWHRI
SXUFKDVH
)RU WKH 1RUWK$PHULFDQ 0DUNHW ZH JUDQW LQGHSHQGHQW RI OHJDO
UHJXODWLRQVDYROXQWDULO\JXDUDQWHHWKDW\RXU5,7&+(<SURGXFWLV
IUHHRIPDQXIDFWXULQJDQGZRUNPDQVKLSGHIHFWVIRURQH\HDUIURP
GDWHRISXUFKDVH
7KLVPDQXIDFWXUHU·VJXDUDQWHHRQO\DSSOLHVWRFODLPVPDGHE\WKH
LQLWLDO EX\HU ZKR PXVW SUHVHQW WKH SXUFKDVH UHFHLSW ZLWK GDWH RI
SXUFKDVHGHDOHUDGGUHVVDQGPRGHOQXPEHU*XDUDQWHHFODLPVZLOO
RQO\EHDFFHSWHGLIWKHELF\FOHKDVEHHQXVHGLQDFFRUGDQFHZLWKWKH
LQWHQGHGXVHRI5,7&+(<SURGXFWV
%H VXUH WR VWULFWO\ IROORZ DOO DVVHPEO\ LQVWUXFWLRQV LQ WKLV PDQXDO
SUHFLVHO\DVZHOODVDOODGGLWLRQDOLQVWUXFWLRQVSURYLGHGE\WKHPDQX
IDFWXUHUVRISURGXFWVXVHGLQFRQMXQFWLRQZLWK5,7&+(<SURGXFWV
HVSHFLDOO\ EROW WRUTXH VSHFLÀFDWLRQV DQG SUHVFULEHG PDLQWHQDQFH
2EVHUYHDOOLQVWUXFWLRQVZLWKUHJDUGWRSURFHGXUHVDQGYHULÀFDWLRQ
SURFHVVHVOLVWHGLQWKLVPDQXDODVZHOODVDQ\RWKHULQVWUXFWLRQVWKDW
PD\EHLQFOXGHGLQWKHGHOLYHU\RI5,7&+(<SURGXFWV$OVRDGKHUH
VWULFWO\WRDQ\DQGDOOLQVWUXFWLRQVSHUWDLQLQJWRWKHUHSODFHPHQWRI
VDIHW\UHOHYDQWFRPSRQHQWVVXFKDVVHDWSRVWVVWHPVHWF
7KH LQVWUXFWLRQV LQ WKLV DQG DOO 5,7&+(< PDQXDOV DUH
L
FDUHIXOO\ GHVLJQHG WR PD[LPL]H WKH OLIH RI 5,7&+(<
SURGXFWV$Q\JXDUDQWHHVDUHYRLGLILQVWDOODWLRQLQVWUXFWLRQVDUH
LJQRUHGDQGRULIUHJXODULQVSHFWLRQDQGPDLQWHQDQFHLQWHUYDOVDUH
QHJOHFWHG
,Q WKH FDVH RI D ZDUUDQW\ FODLP 5,7&+(< UHVHUYHV WKH ULJKW WR
SURYLGHDOORUSDUWRIWKHFXUUHQWVXFFHVVRUPRGHOLQDQDYDLODEOH
FRORXU²RULIVXFKSDUWLVQRWDYDLODEOHDKLJKHUJUDGHPRGHO²WR
UHPHG\WKHFODLP7KHJXDUDQWHHGRHVQRWFRYHUDVVHPEO\UHÀWWLQJ
FRVWV RU DQ\ QHZ DFFHVVRULHV WKDW PD\ EH UHTXLUHG LH GLIIHUHQW
GLPHQVLRQSDUWV
7KHJXDUDQWHHGRHVQRWFRYHUODERUDQGWUDQVSRUWFRVWVQRUGRHV
LWFRYHUIROORZXSFRVWVUHVXOWLQJIURPGHIHFWV
<RXUGLUHFWFRQWDFWIRUDQ\LVVXHVKRXOGEH\RXU5,7&+(<GHDOHU
UHVHOOHUZKRLVDXWKRUL]HGWRUHVSRQGWR\RXULQTXLULHV
)LQGFRQWDFWLQIRUPDWLRQIRU\RXUUHVHOOHURUQDWLRQDOGLVWULEXWRUDW
ZZZULWFKH\ORJLFFRP
7KLVJXDUDQWHHGRHVQRWFRYHUGDPDJHUHVXOWLQJIURP
<RXUGLUHFWFRQWDFWZLWKUHJDUGWRDOOLVVXHVRXWOLQHGLQWKLVPDQXDO
DQGFRUUHVSRQGLQJLQVWUXFWLRQLV\RXUORFDO5,7&+(<GHDOHUZKR
VKRXOG EH TXDOLÀHG WR DQVZHU \RXU TXHVWLRQV ,Q RUGHU WR REWDLQ
DVVLVWDQFHIURPD5,7&+(<GHDOHU\RXPD\EHUHTXLUHGWRVKRZ
\RXUUHFHLSW
‡
ZHDU
‡
QHJOHFWLQVXIÀFLHQWFDUHDQGPDLQWHQDQFH
‡
DFFLGHQWV
‡
RYHUVWUHVVFDXVHGE\RYHUWLJKWHQLQJ
‡
LQFRUUHFWLQVWDOODWLRQRULPSURSHUWUHDWPHQW
‡
FKDQJHVRUPRGLÀFDWLRQVWRWKHFRPSRQHQW
<RXPXVWFRQWDFW\RXUUHVHOOHULI\RXKDYHDZDUUDQW\LVVXH
RUFRQFHUQLHWKH5,7&+(<GHDOHUZKRVROG\RXWKHELF\
FOHFRPSRQHQWLQTXHVWLRQ5,7&+(<KDVH[FOXVLYHDJUHHPHQWV
ZLWK DOO RI LWV UHVHOOHU SDUWQHUV WR VHUYLFH SRWHQWLDO ZDUUDQWLHV ,I
\RX SXUFKDVH D 5,7&+(< SURGXFW IURP DQ XQDXWKRUL]HG UHVHOOHU
HJDQDXFWLRQVLWHRQWKHLQWHUQHW\RXKDYHQRUHFRXUVHWKURXJK
5,7&+(<RUDQ\RILWVDXWKRUL]HGUHVHOOHUVVR\RXPXVWVHHNVXS
SRUWIURPWKHUHVHOOHUZKRVROG\RXWKHSURGXFW
5,7&+(<,QWHUQDWLRQDO
9LD&DQWRQDOH
&+*UDQFLD/XJDQR
5,7&+(<&RUSRUDWH+4·V
6SLFH,VODQG'ULYH
6SDUNV19
(XURSHDQ$XWKRUL]HG5HSUHVHQWDWLYH
2EHOLVVD
%G*pQpUDO:DKLV
%UXVVHOV%(/*,80
5,7&+(<'HVLJQ,QF
6DOHV:DUUDQW\2IÀFH
2OG&RXQW\5RDG
6DQ&DUORV&$
5,7&+(<'HVLJQ,QF7DLZDQ%UDQFK
&KXQJDQJ5G6HF
7DLFKXQJ
7DLZDQ52&
7HFKQLFDOGHWDLOVLQWKHWH[WDQGLOOXVWUDWLRQVRIWKLVPDQXDODUH
VXEMHFWWRFKDQJH
‹ 1R SDUW RI WKLV SXEOLFDWLRQ PD\ EH UHSULQWHG FRSLHG
RU WUDQVPLWWHG E\ KDQG RU ZLWK PHFKDQLFDO RU HOHFWURQLF
V\VWHPVRUXVHGIRUDQDQRWKHUEXVLQHVVSXUSRVHZLWKRXWSULRU
ZULWWHQSHUPLVVLRQ
&RQFHSWDQGWH[W
=HGOHU ² ,QVWLWXW IU )DKUUDGWHFKQLN XQG 6LFKHUKHLW *PE+
ZZZ]HGOHUGH
,I\RXKDYHDQ\TXHVWLRQSOHDVHDVN\RXUQDWLRQDOGLVWULEXWRU<RXZLOOÀQGDGLVWULEXWRUVOLVWDWZZZULWFKH\ORJLFFRP
(GLWLRQ2FWREHU