Download DEFY Refrigerator K60363NE User's Manual

Transcript
'$&
.16
(1
,16758&7,210$18$/
.1(5()5,*(5$725
5HFRUGLQWKHVSDFHEHORZWKHOLVWHGLQIRUPDWLRQIRUIXWXUHUHIHUHQFH
6(5,$/180%(5«««««««««««««««««««««««««««««««
'$7(2)385&+$6(«««««««««««««««««««««««««««««
385&+$6(')520««««««««««««««««««««««««««««««
««««««««««««««««««««««««««««««««««««««««
7KHPDQXIDFWXUHUVWULYHVIRUFRQWLQXRXVLPSURYHPHQW
)RUWKLVUHDVRQWKHWH[WDQGLOOXVWUDWLRQVLQWKLVPDQXDO
DUHVXEMHFWWRFKDQJHZLWKRXWQRWLFH
3DJH
3DUWQXPEHU
5HDGWKLVPDQXDOEHIRUHLQLWLDOLQVWDOODWLRQDQGRSHUDWLRQRIWKH
SURGXFW
'HDU&XVWRPHU
<RXUQHZ'HI\UHIULJHUDWRUZDVPDQXIDFWXUHGLQDVWDWHRIWKHDUWIDFLOLW\DQGKDVSDVVHGWKH
VWULFWHVWTXDOLW\FRQWUROSURFHGXUHV
3OHDVHUHDGWKLVPDQXDOFDUHIXOO\EHIRUHXVLQJ\RXUSURGXFWIRUWKHILUVWWLPHDQGWKHQVWRUHLW
ZLWKLQHDV\UHDFKIRUIXWXUHUHIHUHQFH
:HWUXVW\RXZLOOHQMR\\HDUVRIWURXEOHIUHHXVH
7KHXVHUPDQXDO
x
7KLVPDQXDOZLOOSURYLGH\RXZLWKLQIRUPDWLRQRQKRZWRVDIHO\RSHUDWHDQGFDUHIRU\RXU
SURGXFWLQRUGHUWKDW\RXJDLQWKHPD[LPXPEHQHILWIURPLW
x
3D\SDUWLFXODUDWWHQWLRQWRDQ\VDIHW\LQVWUXFWLRQV
x
3OHDVHUHDGDOODGGLWLRQDOGRFXPHQWVVXSSOLHGZLWK\RXUSURGXFW
x
3OHDVHQRWHWKDWWKLVPDQXDOPD\EHXVHGIRUVHYHUDOVLPLODUEXWGLIIHUHQWPRGHOV3OHDVH
FKHFNIRUUHOHYDQFHUHJDUGLQJ\RXUSDUWLFXODUPRGHO
([SODQDWLRQRIV\PEROVXVHGLQWKLVPDQXDO
,PSRUWDQW VDIHW\ LQIRUPDWLRQ :DUQLQJ IRU KD]DUGRXV VLWXDWLRQV ZLWK UHJDUG WR OLIH DQG
SURSHUW\
&DXWLRQ:DUQLQJIRUVXSSO\YROWDJH
&DXWLRQ:DUQLQJIRUILUHKD]DUG
&DXWLRQ:DUQLQJIRUKRWVXUIDFHV
5HDGWKHLQVWUXFWLRQV
8VHIXOLQIRUPDWLRQ,PSRUWDQWLQIRUPDWLRQRUXVHIXOKLQWVDERXWXVDJH
8QSDFNLQJ
5HPRYHDOOSDFNDJLQJ
(QVXUHWKDWSDFNLQJPDWHULDOLVGLVSRVHGRILQDUHVSRQVLEOHPDQQHUDQGWKDWDQ\SODVWLFEDJV
DUHFXWXSWRSUHYHQWFKLOGUHQSOD\LQJZLWKWKHPDQGDFFLGHQWDOO\VXIIRFDWLQJ
,IWKHUHIULJHUDWRULVGDPDJHGLQDQ\ZD\GRQRWXVHLW5HSRUWWKHGDPDJHWR\RXUGHDOHUZKR
ZLOOWDNHWKHQHFHVVDU\FRUUHFWLYHDFWLRQ
7KLVUHIULJHUDWRULVQRWLQWHQGHGIRUXVHE\SHUVRQVLQFOXGLQJFKLOGUHQZLWKUHGXFHG
SK\VLFDOVHQVRU\RUPHQWDOFDSDELOLWLHVRUODFNRIH[SHULHQFHDQGNQRZOHGJHXQOHVV
WKH\KDYHEHHQJLYHQVXSHUYLVLRQRULQVWUXFWLRQFRQFHUQLQJWKHXVHRIWKH
UHIULJHUDWRUE\DSHUVRQUHVSRQVLEOHIRUWKHLUVDIHW\
&KLOGUHQVKRXOGEHVXSHUYLVHGWRHQVXUHWKDWWKH\GRQRWSOD\ZLWKWKHUHIULJHUDWRU
3DJH
&RQWHQWV
<RXU5HIULJHUDWRU
,PSRUWDQW6DIHW\,QIRUPDWLRQ
:DUQLQJV
&KLOGVDIHW\ +&$:DUQLQJ
(QHUJ\VDYLQJWLSV $QWLEDFWHULDOVWULS 5HFRPPHQGDWLRQVIRUIUHVKIRRG
FRPSDUWPHQW
3ODFLQJDQG,QVWDOODWLRQ
7UDQVSRUWDWLRQLQVWUXFWLRQV
%HIRUHXVLQJWKHUHIULJHUDWRU
(OHFWULFDOFRQQHFWLRQ
$GMXVWLQJWKHIHHW 5HYHUVLQJWKHGRRUV
8VLQJ\RXUUHIULJHUDWRU
,QGLFDWRU3DQHO
,QGLFDWRUVEXWWRQIXQFWLRQV
7KHIUHH]HUFRPSDUWPHQW 'HHS)UHH]HSDFNDJLQJLQIRUPDWLRQ
)UHH]HUFRPSDUWPHQWVHWWLQJV 3ODFLQJWKHIRRG :DWHU'LVSHQVHU
&OHDQLQJWKHZDWHUWDQN ,FHPDWLFDQGLFHVWRUDJHFRQWDLQHU
0DLQWHQDQFHDQGFOHDQLQJ 7URXEOH6KRRWLQJ
5HIULJHUDWRUVSHFLILFDWLRQV 6HUYLFH&HQWUHV
:DUUDQW\
:DUQLQJ'RQRWSODFHDQ\FRSSHUSRWVRUGLVKHVLQVLGHWKHFDELQHW
)LJXUHVLQWKLVPDQXDODUHVFKHPDWLFDQGPD\QRWPDWFK\RXUUHIULJHUDWRUH[DFWO\
9DOXHVVWDWHGRQWKHPDFKLQHODEHOVRULQWKHGRFXPHQWDWLRQDFFRPSDQ\LQJLWDUH
REWDLQHGLQODERUDWRU\FRQGLWLRQVLQDFFRUGDQFHZLWKWKHUHOHYDQWVWDQGDUGV
'HSHQGLQJRQRSHUDWLRQDODQGHQYLURQPHQWDOFRQGLWLRQVRIWKHPDFKLQHWKHVH
YDOXHVPD\YDU\
3DJH
<RXU5HIULJHUDWRU
E
)DQ
$GMXVWDEOHVKHOYHV
%RWWOHUDFN
'HIURVWZDWHUFROOHFWLRQFKDQQHO
'UDLQWXEH
&ULVSHUFRYHU
6DODGFULVSHUZLWKVHSDUDWRU
D %OXHOLJKW
D )UHH]HUGUDZHUZLWKLFHWUD\
E )UHH]HUGUDZHUZLWK,FHPDWLF
DQGLFHVWRUDJHFRQWDLQHU
)UHH]HUGUDZHU
$GMXVWDEOHIURQWIHHW
'DLU\VKHOI
6LGHLOOXPLQDWLRQ
)ULGJHFRPSDUWPHQW
)UHH]HUFRPSDUWPHQW
'RRUVKHOI
(JJWUD\
:DWHUGLVSHQVHUILOOLQJFRQWDLQHU
:DWHUGLVSHQVHUXSSHUVKHOI
:DWHUGLVSHQVHUWDQN
%RWWOHVKHOI
'HSHQGVRQ0RGHO
7KHPDQXIDFWXUHUVWULYHVIRUFRQWLQXRXVLPSURYHPHQW)RUWKLVUHDVRQWHFKQLFDO
VSHFLILFDWLRQVWH[WDQGLOOXVWUDWLRQVLQWKLVPDQXDODUHVXEMHFWWRFKDQJHZLWKRXWQRWLFH
)LJXUHVUHSUHVHQWHGLQWKLVLQVWUXFWLRQPDQXDODUHVFKHPDWLFDQGPD\QRWFRUUHVSRQG
H[DFWO\ZLWK\RXUUHIULJHUDWRU,IWKHSDUWVDUHQRWLQFOXGHGLQWKHUHIULJHUDWRU\RXKDYH
SXUFKDVHGWKH\PD\EHPRGHOVSHFLILFDQGWKHUHIRUHRQO\YDOLGIRUVRPHPRGHOV
3DJH
,PSRUWDQWVDIHW\LQIRUPDWLRQ
3OHDVH UHYLHZ DQG REVHUYH WKH IROORZLQJ
LQIRUPDWLRQ )DLOXUH WR GR VR PD\ UHVXOW LQ
LQMXULHV RU PDWHULDO GDPDJH DQG ZLOO UHQGHU
DQ\ ZDUUDQW\ DQG UHOLDELOLW\ FRPPLWPHQWV
YRLG 6SDUH SDUWV IRUWKH UHIULJHUDWRU ZLOO EH
VWRFNHG IRU \HDUV WR PHHW DQ\
PDLQWHQDQFHRUVHUYLFHUHTXLUHPHQWV
x 8QSOXJ WKH UHIULJHUDWRU ZKHQ FOHDQLQJ
x
x
x
:DUQLQJV
x +DQGWKLVRZQHUVPDQXDORYHUWRWKHQHZ
RZQHUVKRXOGRZQHUVKLSFKDQJH
x 7KH UHIULJHUDWRU PXVW RQO\ EH XVHG IRU LWV
x
x
x
x
x
x
LQWHQGHGSXUSRVHLHWKHVWRULQJRIHGLEOH
IRRGVWXII
7KH UHIULJHUDWRU LV LQWHQGHG WR EH XVHG LQ
KRXVHKROGDQGVLPLODUDSSOLFDWLRQVVXFKDV
VWDII NLWFKHQ DUHDV LQ VKRSV RIILFHV DQG
RWKHU ZRUNLQJ HQYLURQPHQWV IDUP KRXVHV
DQG E\ FOLHQWV LQ KRWHOV PRWHOV DQG RWKHU
UHVLGHQWLDO W\SH HQYLURQPHQWV EHG DQG
EUHDNIDVWW\SH HQYLURQPHQWV FDWHULQJ DQG
VLPLODUQRQUHWDLODSSOLFDWLRQV
&RQVXOWZLWK\RXUDXWKRULVHG'()<VHUYLFH
FHQWUH IRU DOO TXHVWLRQV DQG SUREOHPV
UHODWLQJWRWKHUHIULJHUDWRU2QO\DXWKRULVHG
DJHQWVDUHWRFDUU\RXWUHSDLUV
9DSRXU DQG YDSRUL]HG FOHDQLQJ PDWHULDOV
PXVW QHYHU EH XVHG LQ WKH FOHDQLQJ DQG
GHIURVWLQJWKHUHIULJHUDWRU7KHYDSRXUPD\
FRPH LQWR FRQWDFW ZLWK WKH HOHFWULFDO SDUWV
DQGFDXVHDVKRUWFLUFXLWRUHOHFWULFVKRFN
'R QRW DOORZ FKLOGUHQ WR KDQJ RQ WKH
UHIULJHUDWRU GRRU DV WKH XQLW FRXOG WRSSOH
IRUZDUG ULVNLQJ SHUVRQDO LQMXU\ 1HYHU XVH
WKH SDUWV RQ \RXU UHIULJHUDWRU VXFK DV WKH
GRRUDVDPHDQVRIVXSSRUWRUVWHS
'RQRWXVHHOHFWULFDODSSOLDQFHVLQVLGHWKH
UHIULJHUDWRURUIUHH]HU
.HHS YHQWLODWLRQ RSHQLQJV LQ WKH
UHIULJHUDWRURULQWKHEXLOWLQVWUXFWXUHFOHDU
RIREVWUXFWLRQV
'R QRW GULOO FXW RU PRGLI\ WKH
UHIULJHUDWRU ,QMXULHV PD\ UHVXOW LI
WKHUHIULJHUDQWFLUFXLWLVGDPDJHG
6HH +&$ ZDUQLQJ 'R QRW
GDPDJHWKHUHIULJHUDQWFLUFXLW
5HSDLUV PXVW EH FDUULHG RXW E\
DXWKRULVHGSHUVRQVRQO\5HSDLUV
FDUULHG RXW E\ LQFRPSHWHQW
SHUVRQVFUHDWHDXVHUULVN
x
x
x
x
x
x
x
'R QRW RSHUDWH D GDPDJHG
UHIULJHUDWRU &RQVXOW ZLWK \RXU
QHDUHVW '()< VHUYLFH FHQWUH
VKRXOG\RXKDYHDQ\FRQFHUQV
7KH HOHFWULFDO VDIHW\ RI WKH
UHIULJHUDWRU LV RQO\ JXDUDQWHHG LI
WKHHDUWKV\VWHPRI\RXUKRPHLV
FRPSOLDQWWRQDWLRQDOVWDQGDUGV
1HYHU SOXJ WKH UHIULJHUDWRU LQWR
WKH
ZDOO
VRFNHW
GXULQJ
LQVWDOODWLRQ 'HDWK RU VHULRXV
LQMXU\PD\UHVXOW
3DJH
GXULQJ URXWLQH PDLQWHQDQFH RU LI LW ZLOO QRW
EHXVHGIRUDQH[WHQGHGSHULRG
7RXQSOXJWKHUHIULJHUDWRUUHPRYHWKHSOXJ
E\SXOOLQJRQWKHSOXJDQGQRWWKHFDEOH
([SRVLQJWKHUHIULJHUDWRUWRUDLQVQRZVXQ
DQGZLQGLVDQHOHFWULFDOVDIHW\ULVN
6KRXOG WKH PDLQV OHDG RI WKH UHIULJHUDWRU
EHFRPH GDPDJHG RU VKRXOG LW QHHG
UHSODFLQJ DW DQ\ WLPH LW PXVW EH UHSODFHG
E\ D VSHFLDO SXUSRVH PDGH PDLQV OHDG
ZKLFK FDQ RQO\ EH REWDLQHG IURP D '()<
$XWKRULVHG6HUYLFH$JHQW
1HYHU FRQQHFW \RXU UHIULJHUDWRU WR
HOHFWULFLW\ VDYLQJ V\VWHPV DV WKH\ PD\
GDPDJHWKHUHIULJHUDWRU
'R QRW VWRUH PHGLFLQH RU DFDGHPLF
UHVHDUFK VDPSOHV ZKLFK UHTXLUH VWULFW
WHPSHUDWXUHFRQWUROLQWKHUHIULJHUDWRU
'R QRW VWRUH RU XVH IODPPDEOH JDV
EHQ]HQHSHWURORUYRODWLOHVXEVWDQFHVLQRU
QHDUWKHUHIULJHUDWRU
'RQRWVWRUHH[SORVLYHVXEVWDQFHVVXFKDV
DHURVRO FDQV ZLWK D IODPPDEOH SURSHOODQW
LQWKHUHIULJHUDWRU
,Q WKH HYHQW RI D PDOIXQFWLRQ GLVFRQQHFW
WKHUHIULJHUDWRUIURPWKHSRZHUVXSSO\
'R QRW RYHUORDG \RXU UHIULJHUDWRU ZLWK
H[FHVVLYH DPRXQWV RI IRRG ,I RYHUORDGHG
WKH IRRG LWHPV PD\ IDOO GRZQ DQG LQMXUH
\RXDQGGDPDJHWKHUHIULJHUDWRUZKHQ\RX
RSHQWKHGRRU1HYHUSODFHREMHFWVRQWRS
RIWKHUHIULJHUDWRUWKH\PD\IDOOGRZQDQG
LQMXUH \RX ZKHQ \RX RSHQ RU FORVH WKH
UHIULJHUDWRUGRRU
,I WKHUH LV D EOXH OLJKW ILWWHG RQ WKH
UHIULJHUDWRU GR QRW ORRN DW WKH EOXH OLJKW
WKURXJKRSWLFV
x 7KH
x
x
x
x
x
x
x
UHIULJHUDWRU PD\ PRYH LI WKH
DGMXVWDEOH OHJV DUH QRW SURSHUO\ OHYHOOHG
RQ WKH IORRU /HYHOOLQJ WKH DGMXVWDEOH OHJV
RQ WKH IORRU KHOSV SUHYHQW WKH UHIULJHUDWRU
IURPPRYLQJ
:KHQFDUU\LQJWKHUHIULJHUDWRUGRQRWKROG
RQWKHGRRUKDQGOHDVWKLVPD\FDXVHWKH
KDQGOHWREUHDN
:KHQ SODFLQJ \RXU UHIULJHUDWRU QH[W WR
DQRWKHU UHIULJHUDWRU RU IUHH]HU WKH
GLVWDQFHEHWZHHQWKHGHYLFHVVKRXOGEHDW
OHDVW PP )DLOXUH WR GR VR PD\ FDXVH
DGMDFHQWZDOOVWRKXPLGLI\
)RU UHIULJHUDWRUV ZLWK D IUHH]HU
FRPSDUWPHQW 'R QRW SXW ERWWOHG DQG
FDQQHG OLTXLG EHYHUDJHV LQ WKH IUHH]HU
FRPSDUWPHQWDVWKH\PD\EXUVW
'RQRWWRXFKIUR]HQIRRGZLWK\RXUKDQGV
WKH\PD\VWLFNWR\RXUKDQG
1HYHU SRXU RU VSUD\ ZDWHU LQWR RU RQ WKH
UHIULJHUDWRU DQG GR QRW VWRUH OLTXLGV SRW
SODQWV RU RSHQ FRQWDLQHUV RQ WRS RI WKH
UHIULJHUDWRU DV WKHVH PLJKW VSLOO FDXVLQJ
HOHFWULFDOVKRUWLQJ
)RU PDQXDOO\ FRQWUROOHG UHIULJHUDWRUV ZDLW
DW OHDVW PLQXWHV EHIRUH VWDUWLQJ WKH
UHIULJHUDWRUDIWHUDSRZHUIDLOXUH
$YRLG DQ\ GDPDJH WR WKH SRZHU FDEOH
ZKHQWUDQVSRUWLQJWKHUHIULJHUDWRU
;
x (QVXUH WKDW WKHUH LV VXIILFLHQW VSDFLQJ
EHWZHHQ WKH UHIULJHUDWRU DQG VXUURXQGLQJ
ZDOOV
x 8QSOXJ WKH UHIULJHUDWRU IURP WKH PDLQV
ZKHQ\RXFOHDQWKHUHIULJHUDWRU
&KLOGVDIHW\
x ,I WKH GRRU KDV D ORFN WKH NH\ VKRXOG EH
NHSWRXWRIUHDFKIURPFKLOGUHQ
x ,I \RX DUH GLVFDUGLQJ DQ ROG UHIULJHUDWRU
ZLWK D ORFN RU ODWFK ILWWHG WR WKH GRRU
GLVDEOHWKHORFNODWFKDQGHQVXUHWKDWWKH
UHIULJHUDWRU LV OHIW LQ D VDIH FRQGLWLRQ WR
SUHYHQWFKLOGUHQIURPEHLQJWUDSSHGLQVLGH
DQGVXIIRFDWLQJ
x &KLOGUHQ PXVW EH VXSHUYLVHG WR SUHYHQW
WKHPIURPWDPSHULQJZLWKWKHUHIULJHUDWRU
+&$:DUQLQJ
5HIULJHUDWRU FRROLQJ V\VWHPV FRQWDLQLQJ
5D
$W '()< WKH FDUH DQG SURWHFWLRQ RI RXU
HQYLURQPHQW LV DQ RQ JRLQJ FRPPLWPHQW
7KLV '()< UHIULJHUDWRU LV SDUWLFXODUO\
HQYLURQPHQWDOO\ IULHQGO\ DQG FRQWDLQV QRQ
&)&+)&QDWXUDOVXEVWDQFHVLQWKHFRROLQJ
V\VWHP &DOOHG 5D DQG LQ WKH LQVXODWLRQ
&DOOHG F\FORSHQWDQH 7KHVH DUH SRWHQWLDOO\
IODPPDEOH LI H[SRVHG WR ILUH 7DNH FDUH QRW
WR GDPDJH WKH FRROLQJ FLUFXLW SLSHV RI WKH
UHIULJHUDWRULQWUDQVSRUWDWLRQDQGLQXVH
,Q FDVH RI GDPDJH GR QRW H[SRVH WKH
UHIULJHUDWRU WR ILUH RU SRWHQWLDO LJQLWLRQ
VRXUFHV DQG LPPHGLDWHO\ YHQWLODWH WKH
URRPZKHUHWKHUHIULJHUDWRULVVLWXDWHG
,JQRUH WKLV ZDUQLQJ LI \RXU UHIULJHUDWRUV
FRROLQJV\VWHPFRQWDLQV5D
x %HQGLQJWKHFDEOHPD\FDXVHDILUH
x 1HYHU SODFH KHDY\ REMHFWV RQ WKH SRZHU
FDEOH
x 'RQRWWRXFKWKHSOXJZLWKZHWKDQGV
x 'R QRW SOXJ LQ WKH UHIULJHUDWRU LI WKH ZDOO
VRFNHWLVORRVH
:DUQLQJ 1HYHU GLVSRVH RI WKH
5HIULJHUDWRULQDILUH
'RQRWGLVSRVHRI\RXU5HIULJHUDWRU
DORQJ ZLWK UHJXODU KRXVHKROG
ZDVWH
&RQWDFW \RXU ORFDO DXWKRULW\ IRU
GLVSRVDO LQIRUPDWLRQ DQG IDFLOLWLHV
DYDLODEOH
x 2Q GHOLYHU\ FKHFN WR PDNH VXUH WKDW WKH
UHIULJHUDWRULVQRWGDPDJHGDQGWKDWDOOWKH
SDUWV DQG DFFHVVRULHV DUH LQ SHUIHFW
FRQGLWLRQ
x (QVXUH WKDW WKH SOXJ UHPDLQV UHDGLO\
DFFHVVLEOH 'R QRW XVH PXOWLSOH DGDSWHU
SOXJVRUDQH[WHQVLRQFDEOH
3DJH
(QHUJ\VDYLQJWLSV
x (QVXUH \RXU UHIULJHUDWRU LV LQVWDOOHG LQ D
x
x
x
x
x
x
ZHOO YHQWLODWHG DUHD ,I WKH DPELHQW
WHPSHUDWXUH LV ORZ EXW LQ QR FDVH ORZHU
WKDQ ƒ& WKHQ WKH HQHUJ\ VDYLQJ ZLOO EH
PRUH'RQRWLQVWDOO\RXUUHIULJHUDWRUXQGHU
GLUHFW VXQOLJKW RU QHDU KHDW HPLWWLQJ
DSSOLDQFHVVXFKDVRYHQVGLVKZDVKHUVRU
UDGLDWRUV
(QVXUH WKH WLPH EHWZHHQ EX\LQJ FKLOOHG
IUR]HQ IRRG DQG SODFLQJ LW LQ WKH
UHIULJHUDWRU LV NHSW DW D PLQLPXP
SDUWLFXODUO\ LQ VXPPHU 8VH D FRROHU EDJ
RU D VSHFLDO FDUULHU EDJ WR FDUU\ IUR]HQ
IRRG 'R QRW SXW KRW IRRG RU GULQNV LQ WKH
UHIULJHUDWRU
'R QRW OHDYH WKH GRRUV RI \RXU
UHIULJHUDWRU RSHQ IRU ORQJ SHULRGV RI WLPH
DQG HQVXUH WKH\ DUH FORVHG SURSHUO\ DIWHU
HDFKRSHQLQJ
'HIURVW IUR]HQ IRRG LQ WKH IULGJH
FRPSDUWPHQW VR WKDW IUR]HQ IRRG DFWV DV
DQLFHSDFNWRDVVLVWFRROLQJLQWKHIULGJH
7KLV ZLOO SURYLGH HQHUJ\ VDYLQJ DQG
SUHVHUYHWKHIRRGTXDOLW\
'R QRW SXW KRW IRRG RU GULQNV LQ \RXU
UHIULJHUDWRU
'R QRW RYHUORDG \RXU UHIULJHUDWRU 7KLV
UHVWULFWV HIIHFWLYH DLU FLUFXODWLRQ LQ WKH
UHIULJHUDWRU
.HHSIRRGLQFORVHGFRQWDLQHUV
$QWLEDFWHULDOVWULS&DUERQVWULS
7KH DQWL EDFWHULDO VWULS SUHYHQWV XQSOHDVDQW
RGRXUEXLOGXSLQWKHUHIULJHUDWRU
7RFOHDQWKHVWULSRSHQWKHVWULSFRYHUZLWKD
WKLQ VFUHZGULYHU DQG WKHQ SXOO WKH FRYHU
GRZQZDUGV DQG UHPRYH WKH FRYHU 5HPRYH
WKH VWULS DV SHU WKH GLDJUDP 7R FOHDQ WKH
VWULSOHDYHLWLQWKHVXQIRURQHGD\5HILWWKH
VWULS&OHDQWKHVWULSRQFHD\HDU
5HFRPPHQGDWLRQVIRUIUHVKIRRG
FRPSDUWPHQW
‡ 3OHDVH GR QRW OHW DQ\ IRRGV FRPH LQWR
FRQWDFWZLWKWKHWHPSHUDWXUHVHQVRULQWKH
IUHVK IRRG FRPSDUWPHQW ,Q RUGHU WR
PDLQWDLQ WKH IUHVK IRRG FRPSDUWPHQW DW
WKH LGHDO VWRUDJH WHPSHUDWXUH WKH VHQVRU
PXVWQRWEHLQWHUIHUHGZLWKE\DQ\IRRGV
‡'RQRWSODFHKRWIRRGVLQ\RXUUHIULJHUDWRU
3DJH
3ODFLQJDQG,QVWDOODWLRQ
7UDQVSRUWDWLRQLQVWUXFWLRQV
7KHUHIULJHUDWRUPXVWEHWUDQVSRUWHGRQO\LQ
DQ XSULJKW SRVLWLRQ 7KH SDFNLQJ PXVW EH
LQWDFWGXULQJWUDQVSRUWDWLRQ
:KHQ SRVLWLRQLQJ \RXU UHIULJHUDWRU WDNH
FDUH QRW WR GDPDJH IORRULQJ SLSHV ZDOO
FRYHULQJVHWF'RQRWPRYHWKHUHIULJHUDWRU
E\SXOOLQJWKHGRRURUKDQGOH
:KHQUHWUDQVSRUWLQJ\RXUUHIULJHUDWRU
x <RXU UHIULJHUDWRU PXVW EH HPSWLHG DQG
FOHDQHGSULRUWRDQ\WUDQVSRUWDWLRQ
x 7KHVKHOYHVDFFHVVRULHVFULVSHUHWF
,Q \RXU UHIULJHUDWRU PXVW EH IDVWHQHG
VHFXUHO\ ZLWK DGKHVLYH WDSH WR SURWHFW
DJDLQVWDQ\MROWV
x 3DFNDJLQJ PXVW EH WLHG ZLWK WKLFN WDSH
DQG VWURQJ URSH DQG WKH WUDQVSRUWDWLRQ
JXLGHOLQHV SULQWHG RQ WKH SDFNDJH PXVW
EHIROORZHG
,QVWDOO \RXU UHIULJHUDWRU LQ D SODFH WKDW
DOORZVIRUHDVHRIXVH
.HHS \RXU UHIULJHUDWRU DZD\ IURP KHDW
VRXUFHV VXFK DV VWRYHV JH\VHUV KXPLG
SODFHVDQGGLUHFWVXQOLJKW
7KHUH PXVW EH DSSURSULDWH DLU YHQWLODWLRQ
DURXQG\RXUUHIULJHUDWRULQRUGHUWRDFKLHYH
HIILFLHQW RSHUDWLRQ 7KH UHIULJHUDWRU LV WR
KDYH DW OHDVW D PP VSDFH IURP WKH
FHLOLQJ DQG DW OHDVW D PP VSDFH IURP
WKH ZDOO )LW WKH 7ZR SODVWLF ZDOO VSDFHUV
VXSSOLHG ZLWK WKH DSSOLDQFH URWDWLQJ WXUQ WR WKH FRQGHQVHU DW WKH EDFN RI WKH
DSSOLDQFH6HH'LDJUDP
,I WKH IORRU LV FRYHUHG ZLWK D FDUSHW \RXU
UHIULJHUDWRU PXVW EH HOHYDWHG PP IURP
WKHIORRU
3DJH
3ODFH \RXU UHIULJHUDWRU RQ DQ HYHQ IORRU
VXUIDFHWRSUHYHQWMROWV
'R QRW NHHS \RXU UHIULJHUDWRU LQ DPELHQW
WHPSHUDWXUHVXQGHUƒ&
3OHDVH PDNH VXUH WKDW WKH LQWHULRU RI \RXU
UHIULJHUDWRULVFOHDQHGWKRURXJKO\
<RXUUHIULJHUDWRUVKRXOGEH
LQVWDOOHGDWOHDVWFPDZD\IURP
KHDWVRXUFHVVXFKDVKREV
RYHQVFHQWUDOKHDWHUVDQGVWRYHV
DQGDWOHDVWFPDZD\IURP
HOHFWULFDORYHQVDQGVKRXOGQRW
EHORFDWHGXQGHUGLUHFWVXQOLJKW
,IWZRUHIULJHUDWRUVDUHWREH
LQVWDOOHGVLGHE\VLGHWKHUH
VKRXOGEHDWOHDVWFPGLVWDQFH
EHWZHHQWKHP
%HIRUHXVLQJWKHUHIULJHUDWRUFKHFNWKDW
7KH IHHW KDYH EHHQ DGMXVWHG IRU SHUIHFW
OHYHOOLQJ
7KHLQWHULRURIWKHUHIULJHUDWRULVFOHDQDQG
GU\
&KHFNWKHUHTXLUHGGLVWDQFHEHWZHHQ\RXU
UHIULJHUDWRU DQG WKH ZDOO LQ RUGHU WR DOORZ
IRUIUHHDLUFLUFXODWLRQ
7KH SOXJ KDV EHHQ LQVHUWHG LQWR WKH ZDOO
VRFNHW DQG WKH HOHFWULFLW\ LV VZLWFKHG RQ
:KHQ WKH GRRU LV RSHQ WKH LQWHULRU OLJKW
ZLOOFRPHRQ
<RXPD\KHDUDQRLVHDVWKHFRPSUHVVRU
VWDUWV XS 7KH OLTXLG DQG JDVHV VHDOHG
ZLWKLQ WKH UHIULJHUDWLRQ V\VWHP PD\ DOVR
JLYHULVHWRQRLVHHYHQLIWKHFRPSUHVVRU
LVQRWUXQQLQJWKLVLVTXLWHQRUPDO
'R QRW ORDG WKH UHIULJHUDWRU LPPHGLDWHO\
DIWHU LW LV VZLWFKHG RQ :DLW XQWLO WKH
FRUUHFW VWRUDJH WHPSHUDWXUH KDV EHHQ
UHDFKHG
(OHFWULFDOFRQQHFWLRQ
&RQQHFW \RXU UHIULJHUDWRU WR D JURXQGHG
VRFNHWZKLFKLVSURWHFWHGE\DIXVHZLWKWKH
DSSURSULDWHFDSDFLW\
,PSRUWDQW
7KH FRQQHFWLRQ PXVW EH LQ FRPSOLDQFH ZLWK
QDWLRQDOUHJXODWLRQV
7KH SRZHU FDEOH SOXJ PXVW EH HDVLO\
DFFHVVLEOHDIWHULQVWDOODWLRQ
7KHVSHFLILHGYROWDJHPXVWEHHTXDOWR\RXU
PDLQVYROWDJH
:KHQ RSHUDWLQJ \RXU UHIULJHUDWRU IRU WKH
ILUVW WLPH SOHDVH REVHUYH WKH IROORZLQJ
LQVWUXFWLRQVGXULQJWKHLQLWLDOVL[KRXUV
x 7KH GRRU VKRXOG QRW EH RSHQHG
IUHTXHQWO\
x 7KH UHIULJHUDWRU PXVW EH RSHUDWHG HPSW\
ZLWKRXWDQ\IRRGLQLW
x 'RQRWXQSOXJ\RXUUHIULJHUDWRU
x 2ULJLQDO SDFNDJLQJ DQG IRDP PDWHULDOV
VKRXOG EH NHSW IRU DQ\ IXWXUH
WUDQVSRUWDWLRQRUPRYLQJ
3OHDVH UHPHPEHU WKDW WKH PDQXIDFWXUHU
VKDOO QRW EH KHOG OLDEOH LI WKH LQIRUPDWLRQ
JLYHQ LQ WKH LQVWUXFWLRQ PDQXDO LV QRW
IROORZHG
7KHIURQWHGJHVRIWKH
UHIULJHUDWRUPD\IHHOZDUP7KLV
LVQRUPDO7KHVHDUHDVDUH
GHVLJQHGWREHZDUPLQRUGHUWR
DYRLGFRQGHQVDWLRQ
$GDPDJHGSRZHUFDEOHPXVWEH
UHSODFHGE\DTXDOLILHG
HOHFWULFLDQ
([WHQVLRQFDEOHVDQGPXOWLZD\
SOXJVPXVWQRWEHXVHGIRU
FRQQHFWLRQ
$GDPDJHGUHIULJHUDWRUPXVWQRW
EHRSHUDWHGEHIRUHLWLVUHSDLUHG
7KHUHLVGDQJHURIDQHOHFWULF
VKRFN
,PSRUWDQW
&DUHPXVWEHWDNHQZKLOH
FOHDQLQJFDUU\LQJWKHUHIULJHUDWRU
QRWWRWRXFKWKHERWWRPRIWKH
FRQGHQVHUPHWDOZLUHVDWWKH
EDFNRIWKHUHIULJHUDWRUDVWKLV
FRXOGFDXVHLQMXU\
'()<GHFOLQHVWRDFFHSWDQ\
OLDELOLW\VKRXOGWKHLQVWUXFWLRQV
QRWEHIROORZHG
$GMXVWLQJWKHIHHW
7KH UHIULJHUDWRU PD\ PRYH LI WKH DGMXVWDEOH
OHJVDUHQRWSURSHUO\OHYHOOHGRQWKHIORRU
/HYHOOLQJWKHDGMXVWDEOHOHJVRQWKHIORRU
/HYHO \RXU UHIULJHUDWRU E\ WXUQLQJ WKH IURQW
OHJVDVVKRZQLQWKHLOOXVWUDWLRQEHORZ
7KH FRUQHU ZKHUH WKH OHJV DUH LV ORZHUHG
ZKHQWKHOHJLVWXUQHGLQWKHGLUHFWLRQRIWKH
EODFN DUURZ DQG UDLVHG ZKHQ WXUQHG LQ WKH
RSSRVLWHGLUHFWLRQ
+DYLQJ VRPHRQH WR FDUHIXOO\ DVVLVW LQ WLOWLQJ
WKHUHIULJHUDWRUVOLJKWO\ZLOOKHOSIDFLOLWDWHWKLV
SURFHVV
3DJH
5HYHUVLQJ7KH'RRUV
:H UHFRPPHQG WKDW \RX UHYHUVH GRRUV LI
UHTXLUHG EHIRUH VZLWFKLQJ RQ IRU WKH ILUVW
WLPH
7RROVUHTXLUHG
6PDOO DQG PHGLXP VL]H VFUHZGULYHUV DQG D
SDLURISOLHUV
6SDUH3DUWVVXSSOLHGLQWKHSODVWLFEDJ
7KHIROORZLQJSDUWVZKLFKDUHH[FOXVLYHO\IRU
OHIW KDQG VLGH ILWWHG KLQJH RSHUDWLRQ DUH
VXSSOLHGLQDSODVWLFEDJZLWKWKHDSSOLDQFH
8SSHUGRRUWRSWULPKLQJHFRYHUV±WKHUHDUH
GLIIHUHQWSDUWVRQHIRUHDFKVLGHRIWKHWRS
WULP
8SSHU GRRU PLGGOH KLQJH EXVKLQJ GRRU
VWRSSHUDVVHPEO\
.HHSDOOWKHSDUWVVXSSOLHGLQWKHSODVWLFEDJ
DQG SDUWV ZKLFK KDYH EHHQ UHPRYHG ZKHQ
UHYHUVLQJGRRUVLQDVDIHSODFHIRUSRVVLEOH
IXWXUHUHXVH
,PSRUWDQW+DYHVRPHERG\WR
DVVLVW\RXZKHQPRYLQJWKH
UHIULJHUDWRUDQGWRKROGWKHGRRUV
ZKHQUHPRYLQJUHILWWLQJKLQJHV
DQGGRRUVWRDYRLGLQMXU\DQG
GDPDJHWRWKHSURGXFW
3OHDVHUHIHUWRGLDJUDPVVXSSOLHG
8VLQJWKHVFUHZVDQGSODVWLF
SOXJVVXSSOLHGLQWKHLQVWDOODWLRQ
NLWLQVLGHWKHIULGJHILWKDQGOHVWR
WKHGHVLUHGVLGHVHHGLDJUDPIRU
ORFDWLRQV
127('HSHQGVRQPRGHO
6RPHPRGHOVKDYHLQWHJUDWHG
KDQGOHVWKDWDUHXQLYHUVDOWROHIW
DQGULJKWKDQGVLGHVDQGGRQRW
QHHGWREHVZDSSHG
3DJH
)LJXUHVUHSUHVHQWHGLQWKLV
LQVWUXFWLRQPDQXDODUHVFKHPDWLF
DQGPD\QRWFRUUHVSRQGH[DFWO\
ZLWK\RXUUHIULJHUDWRU
,IWKHSDUWVDUHQRWLQFOXGHGLQWKH
UHIULJHUDWRU\RXKDYHSXUFKDVHG
WKH\PD\EHPRGHOVSHFLILFDQG
WKHUHIRUHRQO\YDOLGIRUVRPH
PRGHOV
5HYHUVLQJWKHGRRUV
3URFHHGLQQXPHULFDORUGHU
3DJH
8VLQJ\RXUUHIULJHUDWRU
,QGLFDWRU3DQHO
,QGLFDWRUV
EXWWRQIXQFWLRQV
)DVW)UHH]H)XQFWLRQ
7KH)DVW)UHH]HLQGLFDWRUWXUQVRQZKHQWKH
4XLFN)UHH]HIXQFWLRQLVRQ
7RFDQFHOWKLVIXQFWLRQSUHVVWKH)DVW)UHH]H
EXWWRQ DJDLQ 7KH )DVW )UHH]H LQGLFDWRU ZLOO
WXUQRIIDQGUHWXUQWRLWVQRUPDOVHWWLQJV
,I\RXGRQRWFDQFHOWKH)DVW)UHH]HIXQFWLRQ
LWZLOODXWRPDWLFDOO\FDQFHOLWVHOIDIWHUKRXUV
RU ZKHQ WKH IUHH]HU FRPSDUWPHQW UHDFKHV
WKHUHTXLUHGWHPSHUDWXUH
,I\RXUHTXLUHODUJHDPRXQWVRIIUHVKIRRGWR
EH IUR]HQ SUHVV WKH )DVW )UHH]H EXWWRQ
EHIRUH SODFLQJ WKH IRRG LQWR WKH IUHH]HU
FRPSDUWPHQW
,I \RX SUHVV WKH )DVW )UHH]H EXWWRQ
UHSHDWHGO\ DQG DW VKRUW LQWHUYDOV WKH
HOHFWURQLF FLUFXLW SURWHFWLRQ ZLOO EH DFWLYDWHG
DQG WKH FRPSUHVVRU ZLOO QRW VWDUW XS
LPPHGLDWHO\
3OHDVH 1RWH 7KLV IXQFWLRQ LV QRW UHFDOOHG
ZKHQSRZHUUHVWRUHVDIWHUDSRZHUIDLOXUH
4XLFN)UHH]H,QGLFDWRU
7KLVLFRQIODVKHVLQDQDQLPDWHGVW\OHZKHQ
WKH4XLFN)UHH]HIXQFWLRQLVDFWLYH
)UHH]HU6HW)XQFWLRQ
7KLV IXQFWLRQ DOORZV \RX WR VHW WKH IUHH]HU
FRPSDUWPHQW WHPSHUDWXUH 3UHVV WKLV EXWWRQ
WR VHW WKH WHPSHUDWXUH RI WKH IUHH]HU
FRPSDUWPHQW WR ƒ& ƒ& ƒ& DQG ƒ&UHVSHFWLYHO\
3DJH
)UHH]HU &RPSDUWPHQW 7HPSHUDWXUH
6HWWLQJ,QGLFDWRU
,QGLFDWHVWKHWHPSHUDWXUHVHWIRUWKH)UHH]HU
&RPSDUWPHQW
)UHH]HU &RPSDUWPHQW 7HPSHUDWXUH
,QGLFDWRU
ƒ& ƒ& ƒ& ƒ& LQGLFDWRUV OLJKW
XSFRQWLQXRXVO\
)ULGJH6HW)XQFWLRQ
7KLV IXQFWLRQ DOORZV \RX WR VHW WKH IULGJH
FRPSDUWPHQWWHPSHUDWXUH
3UHVV WKLV EXWWRQ WR VHW WKH WHPSHUDWXUH RI
WKHIULGJHFRPSDUWPHQWWRƒ&ƒ&ƒ&ƒ
&UHVSHFWLYHO\
)ULGJH &RPSDUWPHQW 7HPSHUDWXUH
6HWWLQJ,QGLFDWRU
,QGLFDWHV WKH WHPSHUDWXUH VHW IRU WKH )ULGJH
&RPSDUWPHQW
)ULGJH &RPSDUWPHQW 7HPSHUDWXUH
,QGLFDWRU
ƒ& ƒ& ƒ& DQG ƒ& LQGLFDWRUV OLJKW XS
FRQWLQXRXVO\
4XLFN)ULGJH)XQFWLRQ
:KHQ WKH 4XLFN )ULGJH EXWWRQ LV SUHVVHG
WKH WHPSHUDWXUH RI WKH FRPSDUWPHQW ZLOO
EHFRPHFROGHUWKDQWKHVHWYDOXHV
7KLV IXQFWLRQ FDQ EH XVHG WR UDSLGO\ FRRO
IRRGSODFHGLQWKHIULGJHFRPSDUWPHQW,I\RX
ZDQWWRFRROODUJHDPRXQWVRIIUHVKIRRGLWLV
UHFRPPHQGHG WKDW \RX DFWLYDWH WKLV IHDWXUH
EHIRUHSODFLQJWKHIRRGLQWRWKHIULGJH
7KH 4XLFN )ULGJH LQGLFDWRU ZLOO UHPDLQ OLW
ZKHQ WKH 4XLFN )ULGJH IXQFWLRQ LV HQDEOHG
7R FDQFHO WKLV IXQFWLRQ SUHVV WKH 4XLFN
)ULGJHEXWWRQDJDLQ
7KH 4XLFN )ULGJH LQGLFDWRU ZLOO WXUQ RII DQG
VHWWLQJVZLOOUHWXUQWRQRUPDO
,I\RXGRQRWFDQFHO4XLFN)ULGJHWKHQLWZLOO
DXWRPDWLFDOO\ FDQFHO LWVHOI DIWHU KRXUV RU
ZKHQ WKH IULGJH FRPSDUWPHQW UHDFKHV WKH
UHTXLUHGWHPSHUDWXUH
3OHDVH1RWH7KLV IXQFWLRQ LV QRW UHFDOOHG
ZKHQSRZHUUHVWRUHVDIWHUDSRZHUIDLOXUH
4XLFN)ULGJH,QGLFDWRU
7KLV LFRQ IODVKHV LQ DQ DQLPDWHG PDQQHU
ZKHQWKH4XLFN)ULGJHIXQFWLRQLVDFWLYH
(FR)X]]\6SHFLDO(FRQRPLF8VDJH
)XQFWLRQ
3UHVV WKH 4XLFN )UHH]H EXWWRQ IRU VHFRQGVWRDFWLYDWHWKH(FR)X]]\)XQFWLRQ
7KH 5HIULJHUDWRU ZLOO VWDUW RSHUDWLQJ LQ WKH
PRVW HFRQRPLF PRGH DW OHDVW KRXUV ODWHU
DQG WKH HFRQRPLF XVDJH LQGLFDWRU ZLOO WXUQ
RQZKHQWKHIXQFWLRQLVDFWLYH
3UHVV WKH 4XLFN )UHH]H EXWWRQ IRU VHFRQGV WR GHDFWLYDWH WKH (FR )X]]\
)XQFWLRQ
+LJK 7HPSHUDWXUH (UURU :DUQLQJ
,QGLFDWRU
7KLVOLJKWFRPHVRQGXULQJKLJKWHPSHUDWXUH
IDLOXUHVDQGHUURUZDUQLQJV
(FRQRPLF8VDJH,QGLFDWRU
,QGLFDWHV WKDW WKH UHIULJHUDWRU LV UXQQLQJ LQ
HQHUJ\HIILFLHQWPRGH7KLVLQGLFDWRUZLOOEH
DFWLYH LI WKH )UHH]HU &RPSDUWPHQW
WHPSHUDWXUH LV VHW WR ƒ& 7KH (FRQRPLF
8VDJH ,QGLFDWRU WXUQV RII ZKHQ WKH 4XLFN
)ULGJHRU4XLFN)UHH]HIXQFWLRQLVVHOHFWHG
,RQL]HU ,QGLFDWRU /LJKW 'HSHQGV RQ
0RGHO
,QGLFDWRU OLJKW OLJKWV XS FRQWLQXRXVO\ 7KLV
OLJKW LQGLFDWHV WKDW \RXU UHIULJHUDWRU LV
SURWHFWHGDJDLQVWEDFWHULD
3DJH
(QHUJ\6DYLQJ)XQFWLRQ
:KHQ \RX SUHVV WKLV EXWWRQ WKH (QHUJ\
VDYLQJ LFRQ ZLOO OLJKW XS DQG WKH (QHUJ\
6DYLQJ)XQFWLRQZLOOEHDFWLYDWHG
,I WKH (QHUJ\ VDYLQJ IXQFWLRQ LV DFWLYH DOO
LFRQV RQ WKH GLVSOD\ RWKHU WKDQ WKH (QHUJ\
VDYLQJLFRQZLOOWXUQRII
,I DQ\ RWKHU EXWWRQ LV SUHVVHG RU WKH GRRU LV
RSHQHGZKHQWKH(QHUJ\6DYLQJ)XQFWLRQLV
DFWLYH WKH (QHUJ\ 6DYLQJ )XQFWLRQ ZLOO EH
GHDFWLYDWHGDQGWKHLFRQVRQWKHGLVSOD\ZLOO
UHWXUQWRQRUPDO
,I \RX SUHVV WKLV EXWWRQ DJDLQ WKH (QHUJ\
6DYLQJ LFRQ ZLOO WXUQ RII DQG WKH (QHUJ\
6DYLQJ)XQFWLRQZLOOQRORQJHUEHDFWLYH
.H\/RFN0RGH
3UHVV WKH 4XLFN )UHH]H DQG )5= 6HW
EXWWRQVFRQFXUUHQWO\IRUVHFRQGV7KH.H\
ORFNLFRQZLOOOLJKWXSDQGWKHNH\ORFNPRGH
ZLOOEHDFWLYDWHG
%XWWRQV ZLOO QRW IXQFWLRQ LI WKH .H\ /RFN
PRGHLVDFWLYH3UHVV4XLFN)UHH]HDQG)5=
6HW EXWWRQV FRQFXUUHQWO\ IRU VHFRQGV
DJDLQ
7KH .H\ ORFN LFRQ ZLOO WXUQ RII DQG WKH NH\
ORFNPRGHZLOOEHGHDFWLYDWHG
'RRU2SHQ:DUQLQJ
$Q DXGLR ZDUQLQJ ZLOO EH JLYHQ ZKHQ WKH
IULGJH FRPSDUWPHQW GRRU RI \RXU UHIULJHUDWRU
LVOHIWRSHQIRUDFHUWDLQSHULRGRIWLPH
7KH DXGLR ZDUQLQJ VLJQDO ZLOO PXWH ZKHQ
SUHVVLQJDQ\EXWWRQRQWKHLQGLFDWRURUZKHQ
WKHGRRULVFORVHG
'XDOFRROLQJV\VWHP
<RXU UHIULJHUDWRU LV HTXLSSHG ZLWK WZR
VHSDUDWH FRROLQJ V\VWHPV WR FRRO WKH IUHVK
IRRGFRPSDUWPHQWDQGIUHH]HUFRPSDUWPHQW
7KXVDLULQWKHIUHVKIRRGFRPSDUWPHQWDQG
IUHH]HU FRPSDUWPHQW GR QRW JHW PL[HG
7KDQNV WR WKHVH WZR VHSDUDWH FRROLQJ
V\VWHPVFRROLQJVSHHGLVPXFKKLJKHUWKDQ
RWKHUUHIULJHUDWRUV
2GRXU
V LQ WKH FRPSDUWPHQWV GR QRW JHW
PL[HG
$GGLWLRQDO SRZHU VDYLQJ LV DOVR DFKLHYHG
VLQFH WKH GHIURVWLQJ LV SHUIRUPHG
LQGLYLGXDOO\
(JJWUD\
<RXFDQLQVWDOOWKHHJJKROGHUWRWKHGHVLUHG
GRRURUERG\VKHOI
1HYHU VWRUH WKH HJJ KROGHU LQ WKH IUHH]HU
FRPSDUWPHQW
,RQL]HU
7KH,RQL]HUZKLFKLVLQWKHDLUFKDQQHORIWKH
UHIULJHUDWRU LRQL]HV WKH DLU 7KLV V\VWHP
HQVXUHV WKDW DLUERUQH EDFWHULD DQG EDG
VPHOOVWKDWRULJLQDWHIURPWKHEDFWHULDZLOOEH
UHGXFHG
%OXHOLJKW'HSHQGVRQ0RGHO
)RRG VWRUHG LQ WKH FULVSHUV WKDW DUH
LOOXPLQDWHG ZLWK D EOXH OLJKW FRQWLQXH WKHLU
SKRWRV\QWKHVLV E\ PHDQV RI WKH ZDYHOHQJWK
HIIHFW RI EOXH OLJKW DQG WKXV SUHVHUYH WKHLU
IUHVKQHVVDQGLQFUHDVHWKHLUYLWDPLQFRQWHQW
3DJH
7KHIUHH]HUFRPSDUWPHQW
'HHSIUHH]HLQIRUPDWLRQ
x )RRG PXVW EH IUR]HQ DV UDSLGO\ DV
SRVVLEOH ZKHQ SODFHG LQ D IUHH]HU WR
PDLQWDLQLWVTXDOLW\
x ,W LV SRVVLEOH WR NHHS IRRG IRU D ORQJ WLPH
SHULRG RQO\ DW WHPSHUDWXUHV RI ƒ& RU
ORZHU
x 7KH TXDOLW\ RI IRRG LQ D IUHH]HU FDQ EH
PDLQWDLQHG IRU PDQ\ PRQWKV DW
WHPSHUDWXUHVRIƒ&RUORZHU
x 3UHSDFNHG FRPPHUFLDOO\ IUR]HQ IRRG
VKRXOG EH VWRUHG LQ DFFRUGDQFH ZLWK WKH
IUR]HQIRRGPDQXIDFWXUHU¶VLQVWUXFWLRQVIRU
D VWDU IUR]HQ IRRG VWRUDJH
FRPSDUWPHQW
‡7RHQVXUHWKDWWKHKLJKTXDOLW\DFKLHYHGE\
WKHIUR]HQIRRGPDQXIDFWXUHUDQGWKHIRRG
UHWDLOHULVPDLQWDLQHGWKHIROORZLQJVKRXOG
EHUHPHPEHUHG
3XW SDFNDJHV LQ WKH IUHH]HU DV TXLFNO\ DV
SRVVLEOH DIWHU SXUFKDVH (QVXUH WKDW
FRQWHQWV DUH ODEHOOHG DQG GDWHG 'R QRW
H[FHHG³8VH%\´RU³%HVW%HIRUH´GDWHVRQ
WKHSDFNDJLQJ
,IWKHUHLVDSRZHUIDLOXUHGRQRWRSHQWKH
IUHH]HU GRRU (YHQ LI WKH SRZHU IDLOXUH
ODVWV XS WR WKH ³7HPSHUDWXUH ULVH WLPH´
IUR]HQ IRRG ZLOO QRW EH DIIHFWHG ,Q FDVH
WKH IDLOXUH ODVWV ORQJHU WKH IRRG PXVW EH
FKHFNHG DQG ZKHQ QHFHVVDU\ PXVW EH
FRQVXPHG LPPHGLDWHO\ RU PXVW EH IUR]HQ
DIWHUEHLQJFRRNHG
x :UDS DOO IRRG EHIRUH VWRUDJH 6HDO DOO
IRRGV RU SODFH LQ DLUWLJKW FRQWDLQHUV WR
SUHYHQWGHK\GUDWLRQ
x (OLPLQDWH DOO WKH DLU SRFNHWV IURP
SDFNDJHVDQGNHHSDLURXWE\ILUPVHDOLQJ
x :KHQSDFNDJLQJLQVKHHWPDWHULDOVXFKDV
DOXPLQLXPIRLOSDUFHOWLJKWO\DQGSUHVVRXW
DOO DLU SRFNHWV $OO IROGV VKRXOG EH VHDOHG
ZLWKGHHSIUHH]HVHDOLQJWDSH
x 8QZUDSSHG IRRG FRQWDLQLQJ DFLGV RU VDOW
PD\SHUPDQHQWO\VWDLQWKHFDELQHWLQWHULRU
x :KHQ ORDGLQJ EXON LQWR WKH IUHH]HU ORDG
x
x
x
x
x
x
x
x
x
'HIURVWLQJ
7KHIULGJHDQGIUHH]HUFRPSDUWPHQWVGHIURVW
DXWRPDWLFDOO\
3DJH
RQH TXDUWHU DW D WLPH DQG DOORZ WR IUHH]H
EHIRUHORDGLQJWKHQH[WTXDUWHU
'LYLGH IRRG LQWR UHDVRQDEOH SRUWLRQV
DFFRUGLQJWR\RXUUHTXLUHPHQWV
$OORZKRWIRRGWRFRROEHIRUHSXWWLQJLWLQWR
WKH IUHH]HU )UHH]H FRRNHG IRRG LQ VPDOO
TXDQWLWLHV7KLVHQVXUHVUDSLGIUHH]LQJDQG
PDLQWDLQVWKHTXDOLW\RIWKHIRRG
)RRG WKDW KDV GHIURVWHG PXVW EH
FRQVXPHG ZLWKLQ KRXUV 2QO\ FRRNHG
IRRG FDQ EH UHIUR]HQ 'R QRW UHIUHH]H
IRRGWKDWKDVGHIURVWHG
'R QRW H[FHHG WKH H[SLU\ GDWH VKRZQ RQ
IRRGSDFNV
'R QRW WDNH RXW IUR]HQ IRRG ZLWK ZHW
KDQGV <RXU KDQGV FRXOG VWLFN WR WKH
IUR]HQIRRG
$OZD\V XVH DSSURSULDWH SDFNDJLQJ
PDWHULDO WR DYRLG RGRXU SHQHWUDWLRQ RU
GHJUDGDWLRQRIWKHIRRG
7UDQVSRUW SUHIUR]HQ IRRG IURP WKH
VXSHUPDUNHW LQ IRLO OLQHG FRROHU EDJV DQG
WUDQVIHU WR WKH KRPH IUHH]HU DV VRRQ DV
SRVVLEOH
3ODFHIUHVKIRRGWREHIUR]HQQHDUWKHVLGH
ZDOOVRIWKHIUHH]HUWRHQVXUHIDVWIUHH]LQJ
1HYHU H[FHHG WKH PD[LPXP IUHH]LQJ
FDSDFLW\RIWKHIUHH]HU,I\RXDUHJRLQJWR
IUHH]H IUHVK IRRG LQ H[FHVV RI NJ WXUQ
WKH 4XLFN )UHH]H IXQFWLRQ RQ DQG ZDLW IRU
DW OHDVW WKUHH KRXUV EHIRUH SODFLQJ WKH
IUHVKIRRGLQWKHIUHH]HU'RQRWIUHH]HWRR
ODUJH D TXDQWLW\ RI IRRG DW DQ\ RQH WLPH
7KH TXDOLW\ RI WKH IRRG LV EHVW SUHVHUYHG
ZKHQLWLVIUR]HQULJKWWKURXJKWRWKHFHQWUH
DV TXLFNO\ DV SRVVLEOH 7DNH VSHFLDO FDUH
QRW WR PL[ DOUHDG\ IUR]HQ IRRG DQG IUHVK
IRRG
1RWH ,I\RXILQGWKDWWKHGRRURIWKHIUHH]HULVGLIILFXOWWRRSHQMXVWDIWHU\RXKDYHFORVHGLWWKLV
LV GXH WR WKH SUHVVXUH GLIIHUHQFH ZKLFK ZLOO HTXDOL]H DQG DOORZ IRU WKH GRRU WR EH RSHQHG
QRUPDOO\DIWHUDIHZPLQXWHV
'HHS)UHH]HSDFNDJLQJLQIRUPDWLRQ
0DWHULDOVWREHXVHGIRUSDFNDJLQJPXVWEHWHDUSURRIDQGUHVLVWDQWWRFROGKXPLGLW\RGRXU
RLOV DQG DFLGV DQG WKH\ PXVW DOVR EH DLUWLJKW 7KH\ PXVW EH PDGH IURP PDWHULDOV WKDW DUH
VXLWDEOHIRUGHHSIUHH]HXVDJH
0DWHULDOVQHFHVVDU\IRUSDFNDJLQJ
&ROGUHVLVWDQWDGKHVLYHWDSH6HOIDGKHVLYHODEHOV5XEEHUULQJVDQGD3HQ
)UHH]HUFRPSDUWPHQWVHWWLQJV
)UHH]HUFRPSDUWPHQWVHWWLQJV
)UHH]HU&RPSDUWPHQW
6HWWLQJ
)ULGJH&RPSDUWPHQW
6HWWLQJ
([SODQDWLRQV
ƒ&
ƒ&
7KLVLVWKHQRUPDOUHFRPPHQGHGVHWWLQJ
RUƒ&
ƒ&
7KHVHVHWWLQJVDUHUHFRPPHQGHGZKHQWKHDPELHQW
WHPSHUDWXUHH[FHHGVƒ&
4XLFN)UHH]H
ƒ&
8VHZKHQ\RXZLVKWRIUHH]H\RXUIRRGLQDVKRUW
WLPH<RXUUHIULJHUDWRUZLOOUHWXUQWRLWVSUHYLRXV
PRGHZKHQWKHSURFHVVLVRYHU
ƒ&RUFROGHU
ƒ&
,I\RXWKLQNWKDW\RXUIULGJHFRPSDUWPHQWLVQRWFROG
HQRXJKEHFDXVHRIWKHKRWFRQGLWLRQVRUIUHTXHQW
RSHQLQJDQGFORVLQJRIWKHGRRU
ƒ&RUFROGHU
4XLFN)ULGJH
<RXFDQXVHLWZKHQ\RXUIULGJHFRPSDUWPHQWLV
RYHUORDGHGRULI\RXZLVKWRFRROGRZQ\RXUIRRG
UDSLGO\,WLVUHFRPPHQGHGWKDW\RXDFWLYDWHTXLFN
IULGJHIXQFWLRQKRXUVEHIRUHSODFLQJWKHIRRG
3ODFLQJWKHIRRG
3ODFLQJIRRGV
)UHH]HUFRPSDUWPHQW
VKHOYHV
9DULRXVIUR]HQIRRGVXFKDVPHDWILVKLFHFUHDPDQG
YHJHWDEOHV
(JJKROGHU
(JJV
)ULGJHFRPSDUWPHQW
VKHOYHV
)RRGLQSDQVFRYHUHGSODWHVDQGFORVHGFRQWDLQHUV
)ULGJHFRPSDUWPHQWGRRU
VKHOYHV
6PDOODQGSDFNDJHGIRRGRUGULQNVVXFKDVPLONDQGIUXLW
MXLFH'HOLFDWHVVHQSURGXFWVFKHHVHDQGEXWWHU
&ULVSHU
9HJHWDEOHVDQGIUXLWV
3DJH
:DWHU'LVSHQVHU
7KHZDWHUGLVSHQVHULVDYHU\XVHIXOIHDWXUH
ZLWK UHJDUGV WR DFFHVVLQJ FKLOOHG ZDWHU
ZLWKRXW KDYLQJ WR RSHQ WKH GRRU RI \RXU
IULGJH
6LQFH \RX GR QRW KDYH WR RSHQ WKH GRRU RI
\RXU IULGJH IUHTXHQWO\ \RX DOVR VDYH RQ
HOHFWULFLW\ 8VLQJWKHZDWHUGLVSHQVHU
3XVKLQWKHOHYHURIWKHZDWHUGLVSHQVHUZLWK
\RXUJODVVIRUZDWHUIORZ5HOHDVLQJWKHOHYHU
FXWVRIIWKHZDWHUIORZ
:KHQ RSHUDWLQJ WKH ZDWHU GLVSHQVHU
PD[LPXP IORZ LV DFKLHYHG E\ IXOO\
GHSUHVVLQJWKHOHYHU
3OHDVHQRWHKRZPXFKZDWHUIORZVIURPWKH
GLVSHQVHU GHSHQGV RQ KRZ IDU \RX GHSUHVV
WKHOHYHU$VWKHOHYHORIZDWHULQ\RXUFXS
JODVV ULVHV JHQWO\ UHGXFH WKH DPRXQW RI
SUHVVXUHRQWKHOHYHUWRDYRLGRYHUIORZ
,I \RX GHSUHVV WKH OHYHU E\ D VPDOO DPRXQW
WKHQ WKH ZDWHU ZLOO RQO\ WULFNOH WKLV LV
SHUIHFWO\QRUPDODQGLVQRWDIDXOW
)LOOLQJWKHZDWHUGLVSHQVHU
VWDQN
7KH ZDWHU WDQN ILOOLQJ UHVHUYRLU LV ORFDWHG
LQVLGH WKH GRRU UDFN 2SHQ WKH UHVHUYRLU
FRYHUDQGILOOXSZLWKSXUHDQGFOHDQGULQNLQJ
ZDWHU&ORVHWKHFRYHU
:DUQLQJ
'RQRWILOOWKHZDWHUWDQNZLWKDQ\OLTXLGRWKHU
WKDQ GULQNLQJ ZDWHU EHYHUDJHV VXFK DV IUXLW
MXLFH FDUERQDWHG EHYHUDJHV DQG DOFRKROLF
GULQNVDUHQRWVXLWDEOHIRUXVHZLWKWKHZDWHU
GLVSHQVHU
,IVXFKOLTXLGVDUHXVHGWKHZDWHUGLVSHQVHU
ZLOO PDOIXQFWLRQ DQG PD\ EH GDPDJHG
EH\RQG UHSDLU 7KH ZDUUDQW\ GRHV QRW FRYHU
VXFK XVDJH 6RPH RI WKH LQJUHGLHQWV DQG
DGGLWLYHV LQ WKHVH GULQNV EHYHUDJHV PD\
DOVR DWWDFN DQG GDPDJH WKH ZDWHU WDQN
PDWHULDO
8VHFOHDQDQGSXUHGULQNLQJZDWHURQO\
&DSDFLW\ RI WKH ZDWHU WDQN LV OLWUHV GR
QRWRYHUILOO
3XVK WKH DUP RI WKH ZDWHU GLVSHQVHU ZLWK D
ULJLG JODVV ,I \RX DUH XVLQJ GLVSRVDEOH
SODVWLF JODVVHV SXVK WKH DUP ZLWK \RXU
ILQJHUVIURPEHKLQGWKHJODVV
3DJH
&OHDQLQJWKHZDWHUWDQN
x 5HPRYH WKH ZDWHU ILOOLQJ UHVHUYRLU LQVLGH
WKHGRRUUDFN
0DNHVXUHWKDWWKHSDUWVDQGVHDOVUHPRYHG
LIDQ\DVLOOXVWUDWHGLQWKHH[SORGHGGLDJUDP
EHORZ GXULQJ FOHDQLQJ DUH SURSHUO\ UHILWWHG
WRSUHYHQWDQ\ZDWHUOHDNDJH
x 5HPRYH WKH ZDWHU GLVSHQVHU VKHOI E\
KROGLQJIURPERWKVLGHV
x *UDE WKH ZDWHU GLVSHQVHU UHVHUYRLU RQ
ERWKVLGHVUHPRYHLWDWDQDQJOHRIƒ
:DWHUWUD\
$Q\ ZDWHU WKDW GULSV ZKLOVW XVLQJ WKH ZDWHU
GLVSHQVHUDFFXPXODWHVLQWKHVSLOODJHWUD\
5HPRYH WKH SODVWLF VWUDLQHU E\ SUHVVLQJ RQ
WKHVLGHDVVKRZQLQWKHILJXUH:LWKDFOHDQ
DQG GU\ FORWK UHPRYH WKH ZDWHU WKDW KDV
DFFXPXODWHG
x &OHDQWKHUHVHUYRLUE\UHPRYLQJLWVOLG
3DJH
:$51,1*'RQRWZDVKDQ\RI
WKHZDWHUWDQNSDUWVLQD
GLVKZDVKLQJPDFKLQH
,FHPDWLFDQG,FHVWRUDJHFRQWDLQHU
RSWLRQDO
8VLQJWKH,FHPDWLF
)LOO WKH ,FHPDWLF ZLWK ZDWHU DQG SODFH LW LQWR
LWV VHDW <RXU LFH ZLOO EH UHDG\ LQ
DSSUR[LPDWHO\WZRKRXUV'RQRWUHPRYHWKH
,FHPDWLFIURPLWVVHDWLQJWRWDNHLFH
7XUQ WKH NQREV RQ WKH LFH UHVHUYRLUV
FORFNZLVH E\ GHJUHHV ,FH FXEHV LQ WKH
UHVHUYRLUV ZLOO IDOO GRZQ LQWR WKH LFH VWRUDJH
FRQWDLQHUEHORZ
<RX PD\ WDNH RXW WKH LFH VWRUDJH FRQWDLQHU
DQG VHUYH WKH LFH FXEHV ,I \RX ZLVK \RX
PD\ NHHS WKH LFH FXEHV LQ WKH LFH VWRUDJH
FRQWDLQHU
,FHVWRUDJHFRQWDLQHU
7KHLFHVWRUDJHFRQWDLQHULVRQO\LQWHQGHGIRU
DFFXPXODWLQJLFHFXEHV'RQRWSXWZDWHULQLW
DVWKLVZLOOFDXVHLWWREUHDN
x $OZD\V GLVFRQQHFW WKH SOXJ IURP WKH
PDLQVVRFNHWEHIRUHFOHDQLQJ
x 1RWHWKDWWXUQLQJWKHWKHUPRVWDWWRµ¶GRHV
QRWVZLWFKWKHSRZHURIIWRWKHUHIULJHUDWRU
x &OHDQ WKH LQVLGH RI WKH UHIULJHUDWRU ZKHQ
x
x
x
x
x
x
x
x
x
x
:DUQLQJ 5HSDLUV PXVW EH FDUULHG
RXW E\ DXWKRULVHG SHUVRQV RQO\
5HSDLUV FDUULHG RXW E\ LQFRPSHWHQW
SHUVRQVFUHDWHDXVHUULVN
8QSOXJ WKH UHIULJHUDWRU IURP WKH
ZDOO VRFNHW ZKHQ \RX FOHDQ WKH
UHIULJHUDWRU
,PSRUWDQW 5HPRYH WKH ERWWRP
GRRU VKHOI LQ RUGHU WR UHPRYH WKH
FULVSHU
QHFHVVDU\E\XVLQJDVROXWLRQRIRQHWDEOH
VSRRQRI%LFDUERQDWHRI6RGDWRWZROLWUHV
RIZDUPZDWHU
'U\ZLWKDVRIWFORWK
'R QRW XVH SRW VFRUHUV RU DEUDVLYH
SRZGHUVWRFOHDQWKHUHIULJHUDWRU
6SLOODJHV HVSHFLDOO\ FLWULF DQG DFLGLF
MXLFHV PXVW EH ZLSHG XS LPPHGLDWHO\ DV
WKH\ FRXOG VWDLQ WKH LQWHULRU RI WKH
UHIULJHUDWRU
6KHOYHVDQGIUHH]HUEDVNHWVZKHUHILWWHG
PD\EHUHPRYHGIRUFOHDQLQJSXUSRVHV
7KH EDFN RI WKH UHIULJHUDWRU PD\ EH
YDFXXPHG RU GXVWHG XVLQJ D VRIW EULVWOH
EUXVK
$PLOGIXUQLWXUHSROLVKPD\EHXVHGRQWKH
H[WHULRU FDELQHW WR DGG OXVWUH DQG SURWHFW
DJDLQVWILQJHUPDUNV
0DNHVXUHWKDWQRZDWHUHQWHUVWKHODPS
KRXVLQJDQGRWKHUHOHFWULFDOLWHPV
,I\RXUUHIULJHUDWRULVQRWJRLQJWREHXVHG
IRUDORQJSHULRGRIWLPHXQSOXJWKHSRZHU
FDEOHUHPRYHDOOIRRGFOHDQLWDQGOHDYH
WKHGRRUDMDU
&KHFNGRRUVHDOVUHJXODUO\WRHQVXUHWKH\
DUHFOHDQDQGIUHHIURPIRRGSDUWLFOHV
7RUHPRYHGRRUUDFNVUHPRYHDOOWKH
FRQWHQWVDQGWKHQVLPSO\SXVKWKHGRRU
UDFNXSZDUGVIURPWKHEDVH
3URWHFWLRQRISODVWLFVXUIDFHV
'RQRWSODFHOLTXLGRLOVRURLOFRRNHGPHDOVLQ
\RXU UHIULJHUDWRU LQ XQVHDOHG FRQWDLQHUV DV
WKH\ PD\ GDPDJH WKH SODVWLF VXUIDFHV ,Q
FDVHRIVSLOOLQJRUVPHDULQJRLORQWKHSODVWLF
VXUIDFHVFOHDQDQGULQVHWKHUHOHYDQWSDUWRI
WKHVXUIDFHDWRQFHZLWKZDUPZDWHU
5HSODFLQJWKHLOOXPLQDWLRQODPS
7RFKDQJHWKHODPSXVHGIRULOOXPLQDWLRQRI
\RXUUHIULJHUDWRUSOHDVHFDOO\RXU$XWKRUL]HG
6HUYLFH
3DJH
0DLQWHQDQFHDQG&OHDQLQJ
7URXEOH6KRRWLQJ
3OHDVHUHYLHZWKLVOLVWEHIRUHFDOOLQJDVHUYLFHFHQWUH,WFRXOGVDYH\RXWLPHDQGPRQH\7KLV
OLVWLQFOXGHVIUHTXHQWFRPSODLQWVWKDWGRQRWDULVHIURPGHIHFWLYHZRUNPDQVKLSRUPDWHULDO
XVDJH6RPHRIWKHIHDWXUHVGHVFULEHGKHUHPD\QRWDSSO\WR\RXUPRGHO
6\PSWRP
&KHFN
7KHUHIULJHUDWRUGRHVQRW
RSHUDWH
‡0DNHVXUHWKHUHIULJHUDWRUSOXJLVVHFXUHO\SOXJJHGLQ
‡&KHFNIRUDEORZQIXVHRUWULSSHGFLUFXLWEUHDNHU
‡7HVWWKHZDOOVRFNHWIRUSRZHUXVLQJDQRWKHUDSSOLDQFH
‡,QVSHFWWKHHOHFWULFDOFRUGIRUGDPDJH
‡(OLPLQDWHWKHXVHRIDQH[WHQVLRQFRUGLIDQ\LVEHLQJXVHG
&RQGHQVDWLRQRQWKHVLGH ‡9HU\FROGDPELHQWFRQGLWLRQV)UHTXHQWRSHQLQJDQGFORVLQJRI
ZDOORIWKHIULGJH
WKH GRRU +LJKO\ KXPLG DPELHQW FRQGLWLRQV 6WRUDJH RI IRRG
FRPSDUWPHQW
FRQWDLQLQJ OLTXLG LQ RSHQ FRQWDLQHUV /HDYLQJ WKH GRRU DMDU
6ZLWFKLQJWKHWKHUPRVWDWWRDFROGHUGHJUHH
‡'HFUHDVLQJWKHDPRXQWRIWLPHWKHGRRULVOHIWRSHQRUXVLQJLW
OHVVIUHTXHQWO\
‡ &RYHULQJ WKH IRRG VWRUHG LQ RSHQ FRQWDLQHUV ZLWK D VXLWDEOH
PDWHULDO
‡:LSHWKHFRQGHQVDWLRQXVLQJDGU\FORWKDQGFKHFNLILWSHUVLVWV
&RPSUHVVRULVQRW
UXQQLQJ
‡ 7KH SURWHFWLYH WKHUPDO UHOD\ RI WKH FRPSUHVVRU ZLOO EORZ RXW
GXULQJ VXGGHQ SRZHU IDLOXUHV RU SOXJRXWV DQG SOXJLQV DV WKH
UHIULJHUDQWSUHVVXUHLQWKHFRROLQJV\VWHPRIWKHUHIULJHUDWRUKDV
QRW \HW EHHQ EDODQFHG <RXU UHIULJHUDWRU ZLOO VWDUW UXQQLQJ
DSSUR[LPDWHO\DIWHUPLQXWHV3OHDVHFDOODVHUYLFHFHQWUHLIWKH
UHIULJHUDWRUGRHVQRWVWDUWXSDWWKHHQGRIWKLVSHULRG
‡ 7KH UHIULJHUDWRU LV LQ GHIURVW F\FOH 7KLV LV QRUPDO IRU DQ
DXWRPDWLF GHIURVWLQJ UHIULJHUDWRU 7KH GHIURVWLQJ F\FOH RFFXUV
SHULRGLFDOO\
‡<RXUUHIULJHUDWRULVQRWSOXJJHGLQWRWKHZDOOVRFNHW0DNHVXUH
WKDWWKHSOXJLVSURSHUO\ILWWHGLQWRWKHZDOOVRFNHW
‡+DYHWKHWHPSHUDWXUHDGMXVWPHQWVEHHQFRUUHFWO\PDGH"
‡3RZHUPLJKWEHFXWRII
&RQGHQVDWLRQRQWKH
‡+RWDQGKXPLGZHDWKHULQFUHDVHVLFLQJDQGFRQGHQVDWLRQ,WLV
LQQHUZDOOVRIUHIULJHUDWRU QRUPDODQGQRWDIDXOW
‡'RRUVPLJKWKDYHEHHQOHIWDMDUHQVXUHWKHGRRUVDUHIXOO\
FORVHG
‡'RRUVPLJKWKDYHEHHQRSHQHGIUHTXHQWO\RUOHIWDMDUIRUDORQJ
WLPHRSHQWKHPOHVVIUHTXHQWO\
)RRGNHSWLQWKHIULGJH
‡7KHIULGJHWHPSHUDWXUHPLJKWKDYHEHHQDGMXVWHGWRDYHU\ORZ
FRPSDUWPHQWGUDZHUVDUH WHPSHUDWXUH$GMXVWWKHIULGJHWHPSHUDWXUHWRDZDUPHUGHJUHH
DQGFKHFN
IUHH]LQJ
)UHH]HUWHPSHUDWXUHLV
YHU\ORZZKLOHWKHIULGJH
WHPSHUDWXUHLVVXIILFLHQW
‡7KHIUHH]HUWHPSHUDWXUHLVDGMXVWHGWRDYHU\ORZWHPSHUDWXUH
$GMXVWWKHIUHH]HUWHPSHUDWXUHWRDZDUPHUGHJUHHDQGFKHFN
3DJH
6\PSWRP
&KHFN
)ULGJHWHPSHUDWXUHLV
‡7KHIULGJHWHPSHUDWXUHPLJKWKDYHEHHQDGMXVWHGWRDYHU\ORZ
YHU\ORZZKLOHWKHIUHH]HU WHPSHUDWXUH$GMXVWWKHIULGJHWHPSHUDWXUHWRDZDUPHUGHJUHH
WHPSHUDWXUHLVVXIILFLHQW DQGFKHFN
7HPSHUDWXUHLQWKHIULGJH
RUIUHH]HULVYHU\KLJK
‡7KHIULGJHWHPSHUDWXUHPLJKWKDYHEHHQDGMXVWHGWRDYHU\KLJK
GHJUHH)ULGJHDGMXVWPHQWKDVDQHIIHFWRQWKHWHPSHUDWXUHRI
WKHIUHH]HU&KDQJHWKHWHPSHUDWXUHRIWKHIULGJHRUIUHH]HUXQWLO
WKHIULGJHRUIUHH]HUWHPSHUDWXUHUHDFKHVDVXIILFLHQWOHYHO
‡'RRUVPLJKWKDYHEHHQRSHQHGIUHTXHQWO\RUOHIWDMDUIRUDORQJ
WLPHRSHQWKHPOHVVIUHTXHQWO\
‡'RRUPLJKWKDYHEHHQOHIWDMDUFORVHWKHGRRUFRPSOHWHO\
‡/DUJHDPRXQWRIKRWIRRGPLJKWKDYHEHHQSXWLQWKH
UHIULJHUDWRUUHFHQWO\:DLWXQWLOWKHIULGJHRUIUHH]HUUHDFKHVWKH
GHVLUHGWHPSHUDWXUH
‡7KHUHIULJHUDWRUPLJKWKDYHEHHQSOXJJHGLQUHFHQWO\&RPSOHWH
FRROLQJGRZQRIWKHUHIULJHUDWRUWDNHVWLPH
7KHIULGJHLVUXQQLQJ
FRQWLQXRXVO\RUIRUDORQJ
WLPH
‡<RXUQHZUHIULJHUDWRUPD\EHZLGHUWKDQWKHSUHYLRXVRQH7KLV
LVTXLWHQRUPDO/DUJHUHIULJHUDWRUVRSHUDWHIRUDORQJHUSHULRGRI
WLPH
‡ 7KH DPELHQW URRP WHPSHUDWXUH PD\ EH KLJK 7KLV LV TXLWH
QRUPDO
‡ 7KH UHIULJHUDWRU PLJKW KDYH EHHQ SOXJJHG LQ UHFHQWO\ RU PLJKW
KDYH EHHQ ORDGHG ZLWK IRRG &RROLQJ GRZQ RI WKH UHIULJHUDWRU
FRPSOHWHO\PD\ODVWIRUDFRXSOHRIKRXUVORQJHU
‡ /DUJH DPRXQWV RI KRW IRRG PLJKW KDYH EHHQ SXW LQ WKH
UHIULJHUDWRU UHFHQWO\ +RW IRRG FDXVHV ORQJHU UXQQLQJ RI WKH
UHIULJHUDWRUXQWLOWKHIRRGKDVFRROHGGRZQ
‡'RRUVPLJKWKDYHEHHQRSHQHGIUHTXHQWO\RUOHIWDMDUIRUDORQJ
WLPH 7KHZDUP DLUWKDW KDV HQWHUHG LQWRWKH UHIULJHUDWRU FDXVHV
WKH UHIULJHUDWRU WR UXQ IRU ORQJHU SHULRGV 2SHQ WKH GRRUV OHVV
IUHTXHQWO\
‡ 7KH IUHH]HU RU IULGJH FRPSDUWPHQW GRRU PLJKW KDYH EHHQ OHIW
DMDU&KHFNWKDWWKHGRRUVDUHWLJKWO\FORVHG
‡ 7KH UHIULJHUDWRU LV DGMXVWHG WR D YHU\ ORZ WHPSHUDWXUH $GMXVW
WKH UHIULJHUDWRU WHPSHUDWXUH WR D ZDUPHU GHJUHH DQG ZDLW XQWLO
WKHWHPSHUDWXUHLVDFKLHYHG
‡7KHGRRUVHDORIWKHIULGJHRUIUHH]HUPD\EHVRLOHGZRUQRXW
EURNHQ RU QRW SURSHUO\ VHDWHG &OHDQ RU UHSODFH WKH VHDO $
GDPDJHGEURNHQVHDO FDXVHVWKHUHIULJHUDWRUWRUXQIRUDORQJHU
SHULRGRIWLPHLQRUGHUWRPDLQWDLQWKHFXUUHQWWHPSHUDWXUH
+XPLGLW\RFFXUVRQWKH
RXWVLGHRIWKHUHIULJHUDWRU
RUEHWZHHQWKHGRRUV
‡7KHUHPLJKWEHKXPLGLW\LQWKHDLUWKLVLVTXLWHQRUPDOLQKXPLG
ZHDWKHU:KHQWKHKXPLGLW\LVOHVVFRQGHQVDWLRQZLOOGLVDSSHDU
%DGRGRXULQVLGHWKH
UHIULJHUDWRU
‡7KHLQVLGHRIWKHUHIULJHUDWRUPXVWEHFOHDQHG&OHDQWKHLQVLGH
RIWKHUHIULJHUDWRUZLWKDVSRQJHOXNHZDUPZDWHURUFDUERQDWHG
ZDWHU
‡6RPHFRQWDLQHUVRUSDFNDJHPDWHULDOVPLJKWFDXVHWKHVPHOO
8VHDGLIIHUHQWFRQWDLQHURUGLIIHUHQWEUDQGRISDFNDJLQJPDWHULDO
3DJH
6\PSWRP
&KHFN
&ULVSHUVDUHVWXFN
‡7KHIRRGPLJKWEHWRXFKLQJWKHFHLOLQJRIWKHGUDZHU5HDUUDQJH
WKHIRRGLQWKHGUDZHU
7KHGRRULVQRWFORVLQJ
‡)RRGSDFNDJHVPD\SUHYHQWWKHGRRU
VFORVLQJ5HSDFNWKH
SDFNDJHVWKDWDUHREVWUXFWLQJWKHGRRU
‡7KHUHIULJHUDWRULVQRWFRPSOHWHO\OHYHORQWKHIORRUDQGURFNV
ZKHQVOLJKWO\PRYHG$GMXVWWKHHOHYDWLRQVFUHZV
‡7KHIORRULVQRWOHYHORUVWURQJ0DNHVXUHWKDWWKHIORRULVOHYHO
DQGFDSDEOHRIFDUU\LQJWKHZHLJKWRIWKHUHIULJHUDWRU
1RLVHOLNHZLQGEORZLQJ
‡)DQVDUHXVHGWRFRROWKHUHIULJHUDWRU,WLVQRUPDODQGQRWD
IDXOW
:DUQLQJ5HSDLUVPXVWEHFDUULHG
RXWE\DXWKRULVHGSHUVRQVRQO\
5HSDLUVFDUULHGRXWE\
LQFRPSHWHQWSHUVRQVFUHDWHD
XVHUULVN
'$1*(5$OZD\VGLVFRQQHFWWKH
SOXJIURPWKHZDOOVRFNHWEHIRUH
DQ\PDLQWHQDQFHRUFOHDQLQJ
2ZQHU¶VUHVSRQVLELOLW\
'RQRWGDPDJHWKHUHIULJHUDQWFLUFXLW
'RQRWXVHHOHFWULFDODSSOLDQFHVLQVLGHWKHIRRGVWRUDJHFRPSDUWPHQWVRIWKHDSSOLDQFH
XQOHVVWKH\KDYHEHHQUHFRPPHQGHGE\WKHPDQXIDFWXUHU
6LQFHWKHIROORZLQJDUHQRWIDFWRU\IDXOWVWKH\DUHWKHRZQHUVUHVSRQVLELOLW\
x 'DPDJHWRWKHH[WHULRUILQLVK
x %UHDNDJHRIJODVVDQGRWKHUFRPSRQHQWV
x 5HSODFHPHQWRIOLJKWEXOEV
x 'DPDJHFDXVHGWKURXJKLPSURSHUXVHRIWKHDSSOLDQFH
x 'DPDJHFDXVHGE\PRYLQJWKHDSSOLDQFH
5HIULJHUDWRUVSHFLILFDWLRQV
'$&
.16
.1(
&2'(
02'(/
$33/,$1&(7<3(
7RWDOJURVVYROXPHO
1HWYROXPHO
'LPHQVLRQV+[:['PP
)5,'*(
[[
(QHUJ\HIILFLHQF\FODVV
&OLPDWHFODVV
5HIULJHUDQW
$
617
5D
(QHUJ\FODVVHV$*$ HFRQRPLFDO* OHVVHFRQRPLFDO
3DJH
6HUYLFH&HQWUHV
,I\RXKDYHIROORZHGWKHLQVWUXFWLRQVDQGVWLOOKDYHDSUREOHPFRQWDFWWKHQHDUHVW
'HI\6HUYLFH&HQWUH7KH\ZLOOEHDEOHWRDGYLVH\RXRQDQ\DVSHFWRIWKHSURGXFW
RUVHQGDTXDOLILHGWHFKQLFLDQWRUHSDLULW
6RXWK$IULFDQ6HUYLFH$JHQWV
%/2(0)217(,1
/RQJ6WUHHW+LOWRQ%ORHPIRQWHLQ
7HO
%ORHPIRQWHLQ6HUYLFH#GHI\FR]D
&$3(72:1
$0DUFRQL5G0RQWDJXH*DUGHQV
7HO
&DSH7RZQ6HUYLFH#GHI\FR]D
'85%$1
,QWHUVLWH$YHQXH8PJHQL%XVLQHVV3DUN
'XUEDQ
7HO
'XUEDQ6HUYLFH#GHI\FR]D
($67/21'21
%RZOV5G$UFDGLD(DVW/RQGRQ
7HO
(DVW/RQGRQ6HUYLFH#GHI\FR]D
-2+$11(6%85*
&QU0LPHWHV.UXJHU6WV'HQYHUH[W
-RKDQQHVEXUJ
7HORU
*DXWHQJ6HUYLFH#GHI\FR]D
32/2.:$1(
1HOVRQ0DQGHOD'ULYH6XSHUELD
7HO
3RORNZDQH6HUYLFH#GHI\FR]D
3257(/,=$%(7+
3DWWHUVRQ5RDG1RUWK(QG3RUW(OL]DEHWK
7HO
3RUW(OL]DEHWK6HUYLFH#GHI\FR]D
35(725,$
%ORFN$2OG0XWXDO,QGXVWULDO3DUN
&QU')0DODQ'ULYH0RRW6WU+HUPDQVWDG
7HO
3UHWRULD6HUYLFH#GHI\FR]D
6XE6DKDUDQ$IULFD6HUYLFH$JHQWV
=$0%,$6287+*$7(,19(670(176/7'
3ORW6KHNL6KHNL5RDG
32%R[
/XVDND=DPELD
7HO
)D[
VJLVHUYLFHFHQWUH#PLFUROLQN]P
1$0,%,$$7/$17,&',675,%8725637</7'
7LHQLH/RXZ6WUHHW1RUWKHUQ,QGXVWULDO$UHD
32%R[:LQGKRHN1DPLELD
7HO
)D[
DWODQWLF#PZHEFRPQD
=,0%$%:(75$'(&20$)5,&$
7UDGH&RP$IULFD/RUHOH\&UHVFHQW
0VDVD+DUDUH=LPEDEZH
7HO
&HOO
&HOO
%276:$1$5$<025*$1$*(1&,(6
50$6HUYLFH&HQWUH3ORW(DVW*DWH
*DERURQH,QWHUQDWLRQDO&RPPHUFH3DUN
.JDOH9LHZ*DERURQH
%RWVZDQD
7HO
)D[
&HOO
VHUYLFH#UPDFREZUDMD#UPDFREZ
6:$=,/$1'/<1'6',675,%87256
32%R[0EDEDQH6ZD]LODQG+
7HO
)D[
02=$0%,48(&22/:25/'/'$
5XDGD5HVLVWHQFLD1R%5&
&HOO
FRROZRUOGOGD#KRWPDLOFRP
1RVVR6KRZ5RRP
$YGD,QGXVWULDV3DUFHOD1R$
0DFKDYD0DSXWR
3OHDVHUHJLVWHU\RXUSURGXFWDW
ZZZGHI\FR]D
'()<$33/,$1&(637</7'
32%2;
-$&2%6
'85%$1
6287+$)5,&$
27+(5$5($6$5(6(59,&('%<29(5
$87+25,6('6(59,&($*(176
3/($6(&2168/77+(1($5(675(*,21$/
'()<6(59,&(&(175()25'(7$,/6
3DJH
:DUUDQW\
7KLV FHUWLILFDWH LV LVVXHG E\ '()< $33/,$1&(6 /,0,7(' PDQXIDFWXUHUV RI 'HI\ DQG
2FHDQSURGXFWVKHUHLQDIWHUWKH&RPSDQ\WRWKHRULJLQDOSXUFKDVHURQO\RIWKHDSSOLDQFH
GHVFULEHG RQ WKH FHUWLILFDWH DQG VKDOO FRQVWLWXWH WKH RQO\ ZDUUDQW\ JLYHQ LQ UHVSHFW RI WKLV
DSSOLDQFH
7KH &RPSDQ\ ZDUUDQWV WR WKH RULJLQDO SXUFKDVHU WKDW IRU D SHULRG RI 7:2 <($56 IURP
GDWH RI SXUFKDVH WKH DSSOLDQFH LV IUHH IURP GHIHFW XQGHU QRUPDO GRPHVWLF XVH ERWK LQ
ZRUNPDQVKLSDQGPDWHULDOVXEMHFWWRWKHIROORZLQJFRQGLWLRQV
5HSDLU RU UHSODFHPHQW RI DQ\ SDUW RI WKLV DSSOLDQFH IRXQG E\ WKH &RPSDQ\ WR EH
GHIHFWLYH VKDOO EH DW WKH HOHFWLRQ RI WKH &RPSDQ\ 7KH &RPSDQ\ UHVHUYHV WKH ULJKW WR
HIIHFW VXFK VHUYLFH WKURXJK DQ\ RI LWV 6HUYLFH 'LYLVLRQV RU $XWKRULVHG 6HUYLFH 'HDOHUV
7KH FRVW RI VXFK VHUYLFH VKDOO EH ERUQH E\ WKH &RPSDQ\ LQ IXOO SURYLGHG WKDW WKH
DSSOLDQFH LV ORFDWHG QR IXUWKHU WKDQ NP IURP D &RPSDQ\ 6HUYLFH &HQWUH RU DQ
$XWKRULVHG6HUYLFH'HDOHU:KHUHWKHDSSOLDQFHLVORFDWHGEH\RQGWKHNPUDGLXVWKH
SXUFKDVHU VKDOO EH OLDEOH IRU WKH VWDQGDUG WUDYHOOLQJ FKDUJHV DV GHWHUPLQHG E\ WKH
&RPSDQ\
9LWUHRXVHQDPHOZDUHIXVHVDQGODPSVDUHVSHFLILFDOO\H[FOXGHGIURPWKHVHZDUUDQWLHV,W
LV DQ H[SUHVV FRQGLWLRQ RI WKHVH ZDUUDQWLHV WKDW WKH SXUFKDVHU WDNHV GXH FDUH DQG
DWWHQWLRQ LQ WKH XVH DQG PDLQWHQDQFH RI WKH DSSOLDQFH $EXVH PLVXVH LQ FRQIOLFW ZLWK
RSHUDWLQJLQVWUXFWLRQVFRQQHFWLRQWRLQFRUUHFWYROWDJHVDQGVXEMHFWLRQWRFRPPHUFLDOXVH
VKDOOUHOHDVHWKH&RPSDQ\IURPLWVREOLJDWLRQV
7KLVZDUUDQW\VKDOOEHFRPHYRLGDQGFHDVHWRRSHUDWHLIWKHDSSOLDQFHLVGLVPDQWOHGE\
RU DQ\ UHSDLUV WR WKH DSSOLDQFH DUH HIIHFWHG E\ DQ\ SHUVRQV QRW GXO\ DXWKRULVHG E\ WKH
&RPSDQ\RULIVXEVWLWXWHSDUWVQRWDSSURYHGE\WKH&RPSDQ\DUHXVHGLQWKHDSSOLDQFH
RULIWKHVHULDOQXPEHURIWKHDSSOLDQFHLVUHPRYHG
7KH &RPSDQ\ VKDOO QRW EH UHVSRQVLEOH IRU GDPDJHV UHVXOWLQJ IURP ILUH IORRG FLYLO
GLVWXUEDQFHVRUDQ\$FWRI*RG7KH&RPSDQ\VKDOOQRWLQWHUPVRIWKHVHZDUUDQWLHVEH
UHVSRQVLEOHQRUKHOGOLDEOHIRUDQ\FRQVHTXHQWLDOORVVRUGDPDJHRIDQ\NLQGFDXVHGE\RU
GXHWRWKHIDLOXUHRUPDOIXQFWLRQRIWKHDSSOLDQFH
7KH&RPSDQ\VKDOOQRWEHUHVSRQVLEOHIRUWUDQVSRUWDWLRQRURWKHUFRVWVRWKHUWKDQWKRVH
LQFXUUHGZLWKLQWKHSURYLVLRQVRI3RLQWRIWKLV&HUWLILFDWH
)RU ZDUUDQWLHV LQ WKH 5HSXEOLF RI 6RXWK $IULFD DQG 6XE6DKDUDQ $IULFD SOHDVH
FRQWDFW \RXU QHDUHVW 'HI\ RIILFH 3OHDVH UHIHU WR SDJH IRU UHVSHFWLYH 6RXWK
$IULFDQVHUYLFHDJHQWVDQG6XE6DKDUDQ$IULFDVHUYLFHDJHQWV
:KHUH VHUYLFH LV UHTXHVWHG XQGHU ZDUUDQW\ DQG QR IDXOW RU GHIHFW FDQ EH IRXQG E\ WKH
&RPSDQ\DOOFRVWVLQFXUUHGZLOOEHIRUWKHSXUFKDVHU
VDFFRXQW
7KLV&HUWLILFDWHDVZHOODV\RXULQYRLFHZLOOVHUYHDVSURRIRISXUFKDVH)RUWKHSXUSRVH
RIZDUUDQW\LWZLOOEHHVVHQWLDOWRSURGXFHWKLV&HUWLILFDWHDQGLQYRLFH)DLOXUHWRGRVRZLOO
UHQGHUWKHSXUFKDVHUOLDEOHIRUVHUYLFHFRVWV
.((37+,6&(57,),&$7($1'6$/(6,192,&($63522)2)
385&+$6()25:$55$17<385326(6
3DJH