for household use only

23(5$7,1*,16758&7,216
5HDGWKHVHRSHUDWLQJLQVWUXFWLRQVFDUHIXOO\EHIRUHXVLQJWKHPDFKLQH
7<3(6835
)25+286(+2/'86(21/<
,03257$176$)(*8$5'6
&$87,21
:KHQ XVLQJ HOHFWULFDO DSSOLDQFHV EDVLF VDIHW\ SUHFDXWLRQV VKRXOG DOZD\V EH
IROORZHGWRUHGXFHWKHULVNRIILUHHOHFWULFVKRFNDQGRULQMXU\WRSHUVRQVLQFOXGLQJ
WKHIROORZLQJ
5HDG DOO LQVWUXFWLRQV DQG LQIRUPDWLRQ LQ WKLV LQVWUXFWLRQ ERRN DQG DQ\ RWKHU
OLWHUDWXUHLQFOXGHGLQWKLVFDUWRQUHIHUULQJWRWKLVSURGXFWEHIRUHRSHUDWLQJRUXVLQJ
WKLVDSSOLDQFH
'RQRWWRXFKKRWVXUIDFHV8VHKDQGOHVRUNQREV
7RSURWHFWDJDLQVWILUHHOHFWULFVKRFNDQGSHUVRQDOLQMXU\GRQRWLPPHUVHFRUG
SOXJVRUDSSOLDQFHLQZDWHURURWKHUOLTXLG
&ORVHVXSHUYLVLRQLVQHFHVVDU\ZKHQDQ\DSSOLDQFHLVXVHGE\RUQHDUFKLOGUHQ
8QSOXJIURPRXWOHWZKHQQRWLQXVHDQGEHIRUHFOHDQLQJ$OORZWRFRROEHIRUH
SXWWLQJRQRUWDNLQJRIISDUWVDQGEHIRUHFOHDQLQJWKHDSSOLDQFH
'RQRWRSHUDWHDQ\DSSOLDQFHZLWKDGDPDJHGFRUGRUSOXJRUDIWHUWKHDSSOLDQFH
PDOIXQFWLRQVRUKDVEHHQGDPDJHGLQDQ\ZD\5HWXUQDSSOLDQFHWRWKHQHDUHVW
DXWKRUL]HGVHUYLFHFHQWUHIRUH[DPLQDWLRQUHSDLURUDGMXVWPHQW
7KHXVHRIDFFHVVRU\DWWDFKPHQWVQRWUHFRPPHQGHGE\WKHDSSOLDQFHPDQXIDFWXUHU
PD\UHVXOWLQILUHHOHFWULFVKRFNRUSHUVRQDOLQMXU\
'RQRWXVHRXWGRRUV
'RQRWOHWFRUGKDQJRYHUHGJHRIWDEOHRUFRXQWHURUWRXFKKRWVXUIDFHV
'RQRWSODFHRQRUQHDUDKRWJDVRUHOHFWULFEXUQHURULQDKHDWHGRYHQ
$OZD\VWXUQDSSOLDQFH´2))µWKHQSOXJFRUGLQWRWKHZDOORXWOHW7RGLVFRQQHFW
WXUQVZLWFKWR´2))µWKHQUHPRYHSOXJIURPZDOORXWOHW
'RQRWXVHDSSOLDQFHIRURWKHUWKHQLQWHQGHGKRXVHKROGXVH
8VHH[WUHPHFDXWLRQZKHQXVLQJKRWVWHDP
7KLV DSSOLDQFH LV IRU KRXVHKROG XVH $Q\ VHUYLFLQJ RWKHU WKDQ FOHDQLQJ DQG XVHU
PDLQWHQDQFHVKRXOGEHSHUIRUPHGE\DQDXWKRUL]HGVHUYLFHFHQWUH'RQRWLPPHUVH
EDVHLQZDWHU7RUHGXFHWKHULVNRIILUHRUHOHFWULFVKRFNGRQRWGLVDVVHPEOHWKHEDVH
7KHUHDUHQRXVHUVHUYLFHDEOHSDUWVLQVLGH5HSDLUVKRXOGEHGRQHE\DXWKRUL]HGVHUYLFH
SHUVRQQHORQO\
6$9(7+(6(,16758&7,216
&KHFNYROWDJHWREHVXUHWKDWWKHYROWDJHLQGLFDWHGRQWKHQDPHSODWHDJUHHVZLWK
\RXUYROWDJH
1HYHUXVHZDUPRUKRWZDWHUWRILOOWKHZDWHUWDQN8VHFROGZDWHURQO\
.HHS \RXU KDQGV DQG WKH FRUG DZD\ IURP KRW SDUWV RI WKH DSSOLDQFH GXULQJ
RSHUDWLRQ
1HYHUFOHDQZLWKVFRXULQJSRZGHUVRUKDUGLPSOHPHQWV6LPSO\XVHDVRIWFORWK
GDPSHQHGZLWKZDWHU
7RDYRLG\RXUFRIIHHPDNHUVFDOLQJXSXVHSXULILHGRUERWWOHGZDWHU
,16758&7,216)257+(32:(56833/<&25'
$ $ VKRUW SRZHUVXSSO\ FRUG LV SURYLGHG WR UHGXFH ULVNV RI JHWWLQJ WDQJOHG XS RU
WULSSLQJRYHUDORQJHUFRUG
% /RQJHUH[WHQVLRQFRUGVDUHDYDLODEOHDQGPD\EHXVHGLIFDUHLVH[HUFLVHGLQWKHLUXVH
& ,IDORQJH[WHQVLRQFRUGLVXVHG
WKHPDUNHGHOHFWULFDOUDWLQJRIWKHH[WHQVLRQFRUGVKRXOGEHDWOHDVWDVJUHDWDV
WKHHOHFWULFDOUDWLQJRIWKHDSSOLDQFH
LI WKH DSSOLDQFH LV RI WKH JURXQGHG W\SH WKH H[WHQVLRQ FRUG VKRXOG EH D
JURXQGLQJW\SH
WKHFDEOHGRHVQRWKDQJIURPWKHWDEOHWRDYRLGWKHULVNRIJHWWLQJFDXJKWXSLQLW
*(1(5$/,1)250$7,21
7(&+1,&$/63(&,),&$7,216
7KLVFRIIHHPDFKLQHLVLGHDOIRUSUHSDULQJHVSUHVVRFRIIHHHLWKHUZLWKFRIIHHEHDQV
RUSUHJURXQGFRIIHHDQGDOVRIHDWXUHVDGHYLFHIRUGLVSHQVLQJVWHDPDQGKRWZDWHU
7KLVHOHJDQWO\VW\OHGPDFKLQHLVGHVLJQHGIRUKRXVHKROGXVHRQO\,WLVQRWVXLWDEOH
IRUFRQWLQXRXVSURIHVVLRQDOW\SHXVH
‡9ROWDJHUDWLQJ
:DUQLQJ 7KH PDQXIDFWXUHU VKDOO DFFHSW QR OLDELOLW\ IRU GDPDJH RU LQMXU\
FDXVHGE\
‡ LPSURSHUXVHRUXVHIRURWKHUWKDQWKHLQWHQGHGSXUSRVHV
‡ UHSDLUVFDUULHGRXWE\DQ\RQHRWKHUWKDQDQDXWKRULVHGVHUYLFHFHQWUH
‡ WDPSHULQJZLWKWKHSRZHUFRUG
‡ WDPSHULQJZLWKDQ\PDFKLQHFRPSRQHQW
‡ XVH RI VSDUH SDUWV DQG DFFHVVRULHV RWKHU WKDQ WKRVH VXSSOLHG E\ WKH
PDQXIDFWXUHU
7KHZDUUDQW\ZLOOEHLQYDOLGDWHGLQVXFKFDVHV
72)$&,/,7$7(,17(535(7$7,21
$ZDUQLQJWULDQJOHGUDZVDWWHQWLRQWRWKHLQVWUXFWLRQVWKDWDUHLPSRU
WDQWIRUXVHUVDIHW\3OHDVHFDUHIXOO\DELGHE\WKHVHLQVWUXFWLRQVWR
DYRLGVHULRXVLQMXU\
+2:7286(7+(6(23(5$7,1*,16758&7,216
.HHS WKHVH RSHUDWLQJ LQVWUXFWLRQV LQ D VDIH SODFH DQG PDNH WKHP DYDLODEOH WR
DQ\RQHHOVHZKRVKRXOGXVHWKHFRIIHHPDFKLQH)RUIXUWKHULQIRUPDWLRQRUDQ
H[SODQDWLRQRISUREOHPVQRWFRPSOHWHO\RUVXI¿FLHQWO\DGGUHVVHGLQWKHVHLQVWUXF
WLRQVFRQWDFWDQDXWKRULVHGVHUYLFHFHQWUH
6HHUDWLQJSODWHRQDSSOLDQFH
‡3RZHUUDWLQJ
6HHUDWLQJSODWHRQDSSOLDQFH
‡&DVLQJPDWHULDO
0HWDO
‡6L]HZ[K[GPP
[[9HUVLRQ6LOYHU
[[9HUVLRQ%ODFN
‡:HLJKW.J
‡&RUGOHQJWKPP
‡&RQWUROSDQHO
)URQW'LJLWDO
‡:DWHUWDQNOLW
([WUDFWLEOH
‡3RZHUVXSSO\
6HHUDWLQJSODWHRQDSSOLDQFH
‡&RIIHHFRQWDLQHUFDSDFLW\J
RIFRIIHHEHDQV
‡3XPSSUHVVXUHEDUV
‡%RLOHU
6WDLQOHVVVWHHO
‡6DIHW\GHYLFHV
%RLOHUSUHVVXUHVDIHW\YDOYH
VDIHW\WKHUPRVWDW
6XEMHFWWRHQJLQHHULQJDQGPDQXIDFWXULQJFKDQJHVDVZDUUDQWHGE\WHFKQRORJLFDO
GHYHORSPHQWV
0DFKLQH LQ FRQIRUPLW\ ZLWK (XURSHDQ 'LUHFWLYH ((& ,WDOLDQ /HJLVODWLYH
'HFUHHRIFRQFHUQLQJHOHFWURPDJQHWLFFRPSDWLELOLW\
(1*/,6+
6$)(7<58/(6
,17+((9(172)$1(0(5*(1&<
+$=$5'6
,PPHGLDWHO\XQSOXJWKHDSSOLDQFH
7KHDSSOLDQFHPXVWQRWEHXVHGE\FKLOGUHQRUE\LQGLYLGXDOVXQDFTXDLQWHGZLWK
WKHRSHUDWLQJLQVWUXFWLRQV
7KH DSSOLDQFH LV GDQJHURXV IRU FKLOGUHQ ,I OHIW XQDWWHQGHG LW PXVW EH
VZLWFKHGRII
'RQRWOHDYHWKHPDWHULDOVXVHGWRSDFNWKHDSSOLDQFHZLWKLQFKLOGUHQ¶VUHDFK
'R QRW GLUHFW D MHW RI KRW VWHDP DQGRU KRW ZDWHU WRZDUG \RXUVHOI RU RWKHUV
GDQJHURIVFDOGLQJ
'RQRWLQWURGXFHDQ\REMHFWVWKURXJKWKHRSHQLQJVLQWKHDSSOLDQFH(OHFWULFDO
KD]DUG
'R QRW WRXFK WKH SOXJ ZKHQ \RXU KDQGV RU IHHW DUH ZHW 'R QRW XQSOXJ WKH
DSSOLDQFHE\\DQNLQJDWWKHSRZHUFRUG
:DUQLQJ FRQWDFW ZLWK KRW ZDWHU VWHDP RU DQG KRW ZDWHUVWHDP QR]]OH PD\
FDXVHEXUQV
7+($33/,$1&(0$<21/<%(86('
,QDFORVHGSODFH
7R SUHSDUH FRIIHH GLVSHQVH KRW ZDWHU IURWK PLON RU KHDW EHYHUDJHV XVLQJ
VWHDP
)RUKRXVHKROGXVH
%\DGXOWVLQIXOOSRVVHVVLRQRIWKHLUSK\VLFDODQGPHQWDOFDSDFLWLHV
1(9(586(7+($33/,$1&(
IRU SXUSRVHV RWKHU WKDQ WKRVH LQGLFDWHG DERYH WR DYRLG KD]DUGV 1HYHU SODFH
DQ\ VXEVWDQFHV LQ WKH FRQWDLQHUV RWKHU WKDQ WKRVH VSHFL¿HG LQ WKH LQVWUXFWLRQ
PDQXDO:KHQ\RX¿OODFRQWDLQHUPDNHVXUHDOOQHDUE\FRQWDLQHUVDUHFORVHG
)LOOWKHZDWHUWDQNRQO\ZLWKIUHVKGULQNLQJZDWHUKRWZDWHUDQGRURWKHUOLTXLGV
PD\GDPDJHWKHPDFKLQH'RQRWXVHFDUERQDWHGZDWHU7KHFRIIHHJULQGHUPD\
EHDGMXVWHGRQO\ZKLOHLWLVUXQQLQJ'RQRWLQWURGXFH\RXU¿QJHUVRUDQ\PDWHULDO
RWKHUWKDQFRIIHHEHDQVLQWRWKHFRIIHHJULQGHU%HIRUHDWWHPSWLQJWRDFFHVVWKH
LQVLGHRIWKHFRIIHHJULQGHUVZLWFK2))WKHPDFKLQHDQGUHPRYHWKHSOXJIURP
WKHHOHFWULFVRFNHW'RQRWSXWFRIIHHEHDQVRULQVWDQWFRIIHHLQWRWKHJURXQGFRIIHH
FRQWDLQHU
0$,16&211(&7,21
&RQQHFWWKHFRIIHHPDFKLQHWRDVXLWDEOHHOHFWULFVRFNHW7KHYROWDJHPXVWPDWFK
WKHYROWDJHVSHFL¿HGRQWKHDSSOLDQFHUDWLQJSODWH
,167$//$7,21
&KRRVHDSHUIHFWO\OHYHOVXSSRUWLQJVXUIDFH'RQRWSODFHRQDKRWVXUIDFH
0DLQWDLQDGLVWDQFHRIFPIURPZDOOVDQGHOHFWULFRUJDVEXUQHUV
'RQRWNHHSDWWHPSHUDWXUHVEHORZƒ&WKHDSSOLDQFHPD\EHGDPDJHGE\
IUHH]LQJ
7KHHOHFWULFVRFNHWPXVWEHDFFHVVLEOHDWDOOWLPHV
7KHSRZHUFRUGPXVWQRWEHGDPDJHGVHFXUHGZLWKFODPSVSODFHGRQYHU\KRW
VXUIDFHVHWF
'R QRW OHW WKH SRZHU FRUG KDQJ ORRVHO\ :DUQLQJ GDQJHU RI WULSSLQJ RU RI
FDXVLQJWKHDSSOLDQFHWRIDOO
'RQRWXVHWKHSRZHUFRUGWRFDUU\RUSXOOWKHFRIIHHPDFKLQH
)$8/76
'R QRW XVH WKH DSSOLDQFH LI LW PDOIXQFWLRQV RU \RX VXVSHFW GDPDJH HJ
DIWHUDIDOO
5HSDLUVPXVWEHSHUIRUPHGE\DQDXWKRULVHGVHUYLFHFHQWUH
'RQRWXVHDQDSSOLDQFHZLWKDGHIHFWLYHSRZHUFRUG7KHFRUGPD\EHUHSODFHG
H[FOXVLYHO\E\DVHUYLFHFHQWUH(OHFWULFDOKD]DUG
6ZLWFKRIIWKHDSSOLDQFHEHIRUHRSHQLQJWKHVHUYLFHGRRU'DQJHURIEXUQV
&/($1,1*'(6&$/,1*
%HIRUHFOHDQLQJWKHDSSOLDQFHXQSOXJLWDQGDOORZLWWRFRROGRZQ
$YRLGH[SRVLQJWKHDSSOLDQFHWRVSODVKHVRIZDWHU'RQRWLPPHUJHLWLQZDWHU
'RQRWGU\PDFKLQHFRPSRQHQWVLQDFRQYHQWLRQDORUPLFURZDYHRYHQ
63$5(3$576
7RJXDUDQWHHVDIHW\\RXVKRXOGXVHRQO\RULJLQDOVSDUHSDUWVDQGDFFHVVRULHV
',6326$/
7KHSDFNLQJPDWHULDOVFDQEHUHF\FOHG
$SSOLDQFHXQSOXJWKHDSSOLDQFHDQGFXWWKHSRZHUFRUG
'HOLYHU WKH DSSOLDQFH DQG SRZHU FRUG WR D VHUYLFH FHQWUH RU SXEOLF ZDVWH
GLVSRVDOIDFLOLW\
3UHJURXQGFRIIHHGLVSHQVHUOLG
&RIIHHEHDQFRQWDLQHUOLG
&XSKHDWHUSODWH
3UHJURXQGFRIIHH
PHDVXUH
:DWHUKDUGQHVVWHVW
&RIIHHEHDQFRQWDLQHU
6WHDPNQRE
*ULQG DGMXVWPHQW
OHYHU
&RQWUROSDQHO
+RWZDWHU
VWHDPWXEH
&OHDQLQJEUXVK
%UHZJURXSNH\
6HUYLFHGRRU
'UHJVGUDZHU
+HLJKWDGMXVWDEOH
EUHZXQLW
%UHZXQLWLQGLFDWRUOLJKW
'HVFDOLQJLQGLFDWRUOLJKW
&RIIHHFRQWDLQHULQGLFDWRUOLJKW
212))VZLWFK
:DWHUWDQNLQGLFDWRUOLJKW
7HPSHUDWXUHLQGLFDWRUOLJKW
7UD\IXOOLQGLFDWRU
'UHJVFRQWDLQHULQGLFDWRUOLJKW
'ULSWUD\JULOO
'RVH DGMXVWPHQW
OHYHU
%UHZJURXS
&RIIHH JULQGV
GUDZHU
/DUJHFRIIHHEXWWRQ
3XVKEXWWRQIRUVZLWFKLQJWKHFXS
KHDWHUSODWHRQRURII
&RIIHHEXWWRQ
3UHJURXQGFRIIHHVHOHFWRUEXWWRQ
6PDOOFRIIHHEXWWRQ
(QHUJ\VDYLQJEXWWRQ
6WHDPEXWWRQ
(1*/,6+
:DWHUWDQNOLG
:DWHUWDQN
,167$//$7,21
6HHUDWLQJSODWH
,I QHFHVVDU\ UHPRYH
WKH VZLYHO ULQJ IURP WKH
SDFNLQJ FRQWDLQHU DQG ¿W
LWLQWRWKHPDFKLQH
0RYHWKH212))VZLWFKWR
³,´WRWXUQRQWKHPDFKLQH
5HPRYHWKHGULSWUD\IURP
WKH SDFNLQJ FRQWDLQHU DQG
¿WLWLQWRWKHPDFKLQH
7KH PDFKLQH LV ZDUPLQJ
XSWKHOLJKWUHPDLQVRII
)LOOWKHFRIIHHEHDQFRQWDLQHU
ZLWKFRIIHHEHDQV
3ODFHDFRQWDLQHUEHQHDWK
WKHVWHDPWXEH
)LOOWKHWDQNZLWKIUHVKGULQ
NLQJZDWHU
,QVHUW WKH SOXJ LQWR D VXL
WDEOHHOHFWULFVRFNHW
7XUQWKHNQREFRXQWHUFORF
NZLVH WR VWDUW ORDGLQJ WKH
FLUFXLW
:DLWXQWLODVWHDG\VWUHDP
RIZDWHUÀRZVRXWIURPWKH
QR]]OH
1RWH <RX PXVW ORDG WKH FLUFXLW EHIRUH VWDUWLQJ XS WKH
PDFKLQHIRUWKHILUVWWLPHLILWKDVEHHQLQRSHUDWLYHIRUD
OHQJWK\SHULRGRULIWKHZDWHUWDQNKDVEHHQFRPSOHWHO\
HPSWLHG0RUHRYHUWKHFLUFXLWPXVWEHORDGHGZKHQ
HYHUWKHLQGLFDWRUOLJKWIODVKHV
7XUQ WKH NQRE FORFNZLVH
WR WHUPLQDWH WKH FLUFXLW
ORDGLQJSURFHVV
5HPRYHWKHFRQWDLQHU
:KHQ WKH OLJKW JRHV RQ
WKH PDFKLQH LV UHDG\ IRU
XVH
$'-8670(17
&2))((*5,1'(5
$GMXVWPHQW PD\ EH PDGH RQO\ ZKLOH WKH FRIIHH
JULQGHULVRSHUDWLQJ
8VH FRIIHH EHDQ EOHQGV IRU HVSUHVVR FRIIHH PDNHUV ,I \RX
GR QRW REWDLQ WKH GHVLUHG UHVXOW WU\ XVLQJ GLIIHUHQW FRIIHH
EOHQGV6WRUHFRIIHHLQDFRROSODFHLQDKHUPHWLFDOO\VHDOHG
FRQWDLQHU
<RXZLOOQRWHDFKDQJHDIWHUGLVSHQVLQJ±FRIIHHV
7KH ¿QHQHVV RI WKH JULQG
PD\ EH DGMXVWHG XVLQJ
WKHOHYHU
&RIIHH ÀRZV RXW PRUH
VORZO\
&RIIHH ÀRZV RXW PRUH
TXLFNO\
$'-8670(17
&2))(('26(
<RX PXVW DGMXVW WKH GRVH EHIRUH
GLVSHQVLQJFRIIHH
7KLV DGMXVWPHQW ZLOO KDYH DQ
LPPHGLDWH HIIHFW RQ WKH FRIIHH
EUHZHG
&2))((,1&836
<RXFDQDGMXVWWKHTXDQWLW\
RI FRIIHH WR EH JURXQG
2SHQWKHGRRU
6WURQJHUFRIIHH
:HDNHUFRIIHH
7RDGMXVWWKHTXDQWLW\RIFRIIHHGLVSHQVHGWRWKHVL]HRI\RXU
FXSV SODFH D FXS EHQHDWK WKH EUHZ XQLW SUHVV WKH EXWWRQ
FRUUHVSRQGLQJ WR WKH W\SH RI FRIIHH GHVLUHG DQG NHHS LW
SUHVVHGZKLOHFRIIHHLVEHLQJGLVSHQVHG
2U
:KHQWKHFXSKDV¿OOHGWRWKHGHVLUHGOHYHOUHOHDVHWKHEXWWRQ
WKH PDFKLQH LV QRZ SURJUDPPHG WR GLVSHQVH WKH TXDQWLW\ RI
FRIIHH\RXKDYHFKRVHQ
2Q FRPSOHWLQJ WKH DGMX
VWPHQWFORVHWKHGRRU
(1*/,6+
$'-8670(176 &2))((%($16
0$&+,1(23(5$7,21
2U
3RVLWLRQ D ZDUP FRIIHH
FXS RU FXSV EHQHDWK WKH
EUHZXQLW
3UHVV WKH EXWWRQ RI WKH
W\SHRIFRIIHHGHVLUHG
2QFHIRUFRIIHH
35(*5281'&2))((
0DNH VXUH WKDW WKH PD
FKLQHLVUHDG\
2U
7ZLFHIRUFRIIHHV
:KHQ WKH PDFKLQH VWRSV
PDNLQJWKHFRIIHHUHPRYH
WKHFXSRUFXSV
2U
6HOHFW
WKH
SURGXFW
³3UHJURXQGFRIIHH´
,QWURGXFH JURXQG FRIIHH
XVLQJWKHFRIIHHPHDVXUH
0$;0($685(
3UHVV WKH EXWWRQ RI WKH
W\SHRIFRIIHHGHVLUHG
:KHQ WKH PDFKLQH VWRSV
PDNLQJWKHFRIIHHUHPRYH
WKHFXS
3ODFHDFRQWDLQHUEHQHDWK
WKHVWHDPWXEH
7XUQ WKH NQRE FRXQWHU
FORFNZLVH WR VWDUW GLVSHQ
VLQJZDWHU
:DLW
:KHQ \RX UHDFK WKH
GHVLUHG DPRXQW FORVH WKH
NQRE
5HPRYHWKHFRQWDLQHU
+27:$7(5
3RVLWLRQDZDUPFRIIHHFXS
EHQHDWKWKHEUHZXQLW
&$338&&,12 &$338&&,12
(1*/,6+
:DUQLQJKRWZDWHUDQGVWHDPFDQFDXVHEXUQV
)LOO D FXS WR ZLWK FROG
PLON
3UHVV WKH EXWWRQ WR VHOHFW
WKHIXQFWLRQ7KHPDFKLQH
ZLOOZDUPXS
:KHQ WKH OLJKW JRHV RQ
WKH PDFKLQH ZLOO EH UHDG\
WRGLVSHQVHVWHDP
2SHQWKHNQREWRGLVFKDUJH
DQ\UHVLGXDOZDWHU
:KHQ RQO\ VWHDP FRPHV
RXWFORVHWKHNQRE
3RVLWLRQWKHFXSFRQWDLQLQJ
PLON EHQHDWK WKH VWHDP
WXEH
2SHQ WKH NQRE WR UHOHDVH
VWHDP
0RYHWKHFXSLQDFLUFXODU
IDVKLRQ WR KHDW WKH PLON
HYHQO\
$IWHU IURWKLQJ WKH PLON
FORVHWKHNQRE
5HPRYHWKHFXS
3UHVV WKH FRIIHH EXWWRQ
7KHOLJKWZLOOÀDVK
3ODFHDFRQWDLQHUEHQHDWK
WKHVWHDPWXEH
2SHQ WKH NQRE DQG GL
VSHQVHKRWZDWHU
:KHQ WKH OLJKW UHPDLQV
VWHDGLO\ OLW FORVH WKH NQRE
DQGUHPRYHWKHFRQWDLQHU
'LVSHQVH FRIIHH LQWR WKH
FXSWRSUHSDUHDGHOLFLRXV
FDSSXFFLQR
67($0
67($0
:DUQLQJKRWZDWHUDQGVWHDPFDQFDXVHEXUQV
&KHFNWKHPDFKLQHVWDWXV
3UHVV WKH EXWWRQ WR VHOHFW
WKH IXQFWLRQ7KH PDFKLQH
ZLOOVWDUWZDUPLQJXS
:KHQ WKH OLJKW JRHV RQ
WKH PDFKLQH ZLOO EH UHDG\
WRGLVSHQVHVWHDP
2SHQWKHNQREWRHOLPLQDWH
DQ\UHVLGXDOZDWHU
:KHQ RQO\ VWHDP FRPHV
RXWFORVHWKHNQRE
7DNH WKH FRQWDLQHU DQG
SRVLWLRQ LW XQGHU WKH KRW
ZDWHUVWHDPWXEH
2SHQ WKH NQRE WR UHOHDVH
VWHDP
0RYH WKH FRQWDLQHU LQ D
FLUFXODU IDVKLRQ WR KHDW
HYHQO\
$IWHU \RX KDYH ¿QLVKHG
FORVHWKHNQRE
5HPRYHWKHFRQWDLQHU
3UHVVWKHEXWWRQWRUHVWRUH
WKHPDFKLQHWRQRUPDORSH
UDWLRQ7KHOLJKWZLOOÀDVK
3ODFHDFRQWDLQHUEHQHDWK
WKHVWHDPWXEH
2SHQ WKH NQRE DQG GL
VSHQVHKRWZDWHU
:KHQ WKH OLJKW UHPDLQV
VWHDGLO\OLWFORVHWKHNQRE
DQGUHPRYHWKHFRQWDLQHU
7KH PDFKLQH LV UHDG\ WR
GLVSHQVHFRIIHH
:DUQLQJ1HYHUXVHYLQHJDUDVDGHVFDOLQJDJHQW<RXFDQXVHDQ\FRPPHUFLDOO\
DYDLODEOH QRQWR[LF QRQKDUPIXO GHVFDOLQJ SURGXFW IRU FRIIHH PDFKLQHV :H
UHFRPPHQGXVLQJD6DHFRGHVFDOLQJDJHQW
:KHQ WKH PDFKLQH QHHGV 6ZLWFKRIIWKHPDFKLQH
GHVFDOLQJ WKH LQGLFDWRU
JRHVRQ
7KHPDFKLQHPXVWEHGHVFDOHGHYHU\PRQWKVZKHQ\RXREVHUYHDGLPLQLVKHGÀRZ
RIZDWHURUZKHQWKHPDFKLQHVLJQDOVWKDWGHVFDOLQJLVQHFHVVDU\7KHPDFKLQHPXVW
EHRQLWDXWRPDWLFDOO\FRQWUROVWKHGLVWULEXWLRQRIWKHGHVFDOLQJVROXWLRQ
)LOOWKHZDWHUWDQNZLWKWKH 3ODFH D ODUJH UHFHSWDFOH 6ZLWFKRQWKHPDFKLQH
GHVFDOLQJVROXWLRQ
EHQHDWKWKHVWHDP
WXEH
7XUQWKHNQREWRRSHQWKH
YDOYH 7KH PDFKLQH ZLOO
VWDUWGHVFDOLQJ
:KHWKHUWKHUHLV
GHVFDOLQJVROXWLRQ
LQWKHWDQN
&KHFN
:KHWKHUWKHWDQNLV
HPSW\
'LVSHQVH WKH GHVFDOLQJ $IWHU DERXW VHFRQGV 6ZLWFKRIIWKHPDFKLQHDQG
VROXWLRQ LQWR WKH UHFHSWD FORVHWKHYDOYH
UHPRYHWKHUHFHSWDFOH
FOH
$IWHUPLQXWHV
6ZLWFKRQWKHPDFKLQH
5LQVHRXWWKHWDQNDQG¿OOLW
ZLWKIUHVKGULQNLQJZDWHU
,I WKH GHVFD
OLQJ F\FOH LV
LQWHUUXSWHG WKH
ZDWHU WDQN DQG LQWHUQDO
PDFKLQH FLUFXLWV PXVW
EHULQVHG
3ODFH D ODUJH UHFHSWDFOH 2SHQWKHYDOYHWRULQVH
EHQHDWKWKHVWHDPWXEH
,I WKH UHFHSWDFOH ¿OOV :KHQ QR ZDWHU LV OHIW WXUQ 3UHVV WKH EXWWRQ IRU WKHNQREWRFORVHWKHYDOYH VHFRQGV 7KH LQGLFDWRU
HPSW\LW
5HPRYHWKHFRQWDLQHU
ZLOOJRRII
$IWHU GHVFDOLQJ WKH
PDFKLQH UHORDG WKH
PDFKLQHFLUFXLW
(1*/,6+
'(6&$/,1* &/($1,1*$1'0$,17(1$1&(
'R QRW LPPHUJH WKH PDFKLQH LQ ZDWHU DQG GR QRW SODFH DQ\ RI LWV
FRPSRQHQWVLQDGLVKZDVKHU
%$6,&
&/($1,1*
'RQRWGU\WKHPDFKLQHDQGRULWVFRPSRQHQWVLQDPLFURZDYHDQGRU
FRQYHQWLRQDORYHQ
:DVKWKHZDWHUWDQN
:DVKWKH¿OWHULQVLGHLW
8QVFUHZ WKH ³SDQQDUHOOR´
VWHDP WXEH DWWDFKPHQW
DQGFOHDQLW
5HPRYHWKHFRIIHHJURXQGV
GUDZHU
2SHQWKHVLGHGRRU
3UHVVWKH35(66EXWWRQWR
UHOHDVHWKHEUHZJURXS
8VHWKHEUXVKWRFOHDQWKH
JURXQGFRIIHHGLVSHQVHU
5HPRYHWKHGULSWUD\HP
SW\LWRXWDQGZDVKLW
5HPRYHWKHGUHJVGUDZHU
HPSW\LWRXWDQGZDVKLW
%5(:
*5283
7XUQWKHPDFKLQHRII
8QSOXJWKHPDFKLQH
5HPRYHWKHGULSWUD\
8QVFUHZ WKH XSSHU ¿OWHU
DQG ZDVK LW )LW LW EDFN LQ
SODFHZKHQFOHDQ
:DVK WKH XQLW GU\ LW DQG
¿WLWEDFNLQSODFH'RQRW
SUHVVWKH³35(66´EXWWRQ
5HPRYHWKHGUHJVGUDZHU
6HWDOOPDFKLQHFRPSRQHQWV
EDFNLQSRVLWLRQ
&ORVHWKHGRRU
352*5$00,1*0$&+,1()81&7,216 352*5$00,1*
67$57
(1*/,6+
7KHXVHUFDQFKDQJHVRPHPDFKLQHRSHUDWLQJSDUDPHWHUVWRVXLWKLVKHUSHUVRQDOQHHGV
35(*5,1',1*
35(%5(:,1*
6ZLWFK RII WKH PDFKLQH WR
DFFHVV WKH SURJUDPPLQJ
PRGH
3UHVVWKHEXWWRQVWRJHWKHU
:KLOHWKHEXWWRQVDUHSUHVVHG
VZLWFKRQWKHPDFKLQH
2Q WKH FRQWURO SDQHO WKH
LQGLFDWRU OLJKWV FRUUHV
SRQGLQJ WR WKH IXQFWLRQV
DFWLYDWHGZLOOOLJKWXS
,I \RX ZLVK WR H[LW VZLWFK
WKH PDFKLQH RII DQG WKHQ
RQDJDLQ
7KHIXQFWLRQLVHQDEOHGE\
SUHVVLQJWKHEXWWRQ
/LJKWRQ
3UHEUHZLQJ 2Q
/LJKWRII
3UHEUHZLQJ 2II
7KHIXQFWLRQLVHQDEOHGE\
SUHVVLQJWKHEXWWRQ
/LJKWRQ
3UHJULQGLQJ 2Q
/LJKWRII
3UHJULQGLQJ 2II
:LWK WKH SUHEUHZLQJ SURFHVV WKH FRIIHH LV VOLJKWO\
PRLVWHQHG EHIRUH DFWXDO EUHZLQJ 7KLV EULQJV RXW WKH IXOO
DURPDRIWKHFRIIHHDQGOHQGVLWDQH[FHOOHQWÀDYRXU,WLV
SRVVLEOHWRFKRRVHHLWKHU³HQDEOHG´RU³GLVDEOHG´
:LWKWKHSUHJULQGLQJSURFHVVWKHPDFKLQHJULQGVWZLFHWKH
¿UVWWLPHIRUWKHW\SHRIFRIIHHVHOHFWHGDQGWKHVHFRQGWLPH
IRUWKHVXEVHTXHQWFRIIHHQRW\HWVHOHFWHG
7KLVIXQFWLRQLVXVHIXOZKHQ\RXZDQWWRUHGXFHWKHWLPH
QHFHVVDU\IRUGLVSHQVLQJVHYHUDOFRIIHHVLQVHTXHQFHHJ
ZKLOHHQWHUWDLQLQJJXHVWVRUGXULQJDSDUW\
:$7(5+$5'1(66
352*5$00,1*0$&+,1()81&7,216
7KHKDUGQHVVRIWDSZDWHUPD\YDU\GHSHQGLQJRQWKHUHJLRQ)RUWKLVUHDVRQWKHDSSOLDQFH
FDQEHVHWDFFRUGLQJWRWKHZDWHUKDUGQHVVLQWKHSODFHZKHUHLWLVWREHXVHGH[SUHVVHG
RQDVFDOHRIWR
7KHDSSOLDQFHLVIDFWRU\VHWRQDKDUGQHVVYDOXHRI7KHVHWWLQJVKRXOGEHDGMXVWHGDFFRUGLQJ
WRWKHOHYHORIZDWHUKDUGQHVVLQWKHORFDODUHD
3UHVVWKHEXWWRQWRVHWWKH
KDUGQHVV PHDVXUHG ZLWK
WKHVWULS
,IVTXDUHFKDQJHGFRORXU
VHW
,I VTXDUHV FKDQJHG
FRORXUVHW
'LS WKH VWULS LQ ZDWHU IRU VHFRQG
&KHFN KRZ PDQ\ VTXDUHV
FKDQJHFRORXU
,I VTXDUHV FKDQJHG
FRORXUVHW
,I VTXDUHV FKDQJHG
FRORXUVHW
',63/$<0(66$*(6 7KHFRQWUROSDQHOGLVSOD\JXLGHVXVHUVDQGKHOSVWKHPWRXVHWKHPDFKLQHFRUUHFWO\
)LWWKHEUHZXQLWSURSHUO\LQSODFH
)ODVKLQJ
%UHZ XQLW MDPPHG FRQWDFW DQ DXWKRULVHG
VHUYLFHFHQWUH
OLW
6WHDGLO\
'HVFDOHWKHPDFKLQH
5HPRYHWKHGUHJVGUDZHUDQGHPSW\RXWWKH
GUHJVLQWRDVXLWDEOHFRQWDLQHU
,PSRUWDQW QRWH WKH GUHJV GUDZHU PD\
EHHPSWLHGRQO\ZKHQWKHPDFKLQHLVRQ7KHGUDZHUPXVWEHUHPRYHGIRUDW
OHDVWVHFRQGV,I\RXHPSW\WKHGUDZHUZLWKWKHPDFKLQHRII\RXZLOOQRWEH
DEOHWRGLVSHQVHFRIIHHWKHQH[WWLPH\RXVZLWFKWKHPDFKLQHRQ
OLW
6WHDGLO\
352%/(06
&$86(6
5(0(',(6
7KHPDFKLQHGRHVQRW 7KH PDFKLQH LV QRW 0RYHWKHPDLQVZLWFKWR21
WXUQRQ
FRQQHFWHG WR WKH SRZHU
&KHFN WKH SOXJ DQG WKH
VXSSO\
FRQQHFWLRQ
7KH FRIIHH LV QRW KRW 7KHFXSVDUHFROG
HQRXJK
:DUPXSWKHFXSV
2QO\ ZDWHU LV GLVSHQ 1R SUHJURXQG FRIIHH KDV 'LVSHQVH
DJDLQ
DIWHU
VHG ZKHQ \RX VHOHFW EHHQLQWURGXFHG
LQWURGXFLQJSUHJURXQGFRIIHH
³SUHJURXQGFRIIHH´
1RKRWZDWHURUVWHDP 7KH WXEH QR]]OH LV &OHDQ WKH QR]]OH RSHQLQJ
LVGLVSHQVHG
FORJJHG
ZLWKDQHHGOH
)ODVKLQJ
)LW WKH GULS WUD\ DQG GUHJV GUDZHU SURSHUO\
LQSODFH
OLW
6WHDGLO\
)LOO WKH FRIIHH EHDQ FRQWDLQHU ZLWK FRIIHH
EHDQVDQGVWDUWWKHFRIIHHEUHZLQJF\FOH
)ODVKLQJ
&RIIHH JULQGHU MDPPHG FRQWDFW DQ DXWKR
ULVHGVHUYLFHFHQWUH
7KH PDFKLQH WDNHV D ([FHVVLYH
ORQJWLPHWRZDUPXS EXLOWXS
6WHDGLO\
)LOO WKH ZDWHU WDQN ZLWK IUHVK GULQNLQJ
ZDWHU
)ODVKLQJ
3ODFH D FRQWDLQHU EHQHDWK WKH VWHDP WXEH
DQGORDGWKHFLUFXLWDVGLUHFWHGRQSDJH
7KH EUHZ XQLW FDQQRW 7KH XQLW KDV VWRSSHG LQ &ORVHWKHGRRUDQGVZLWFKRQ
EHUHPRYHG
WKHZURQJSRVLWLRQ
WKH PDFKLQH WKH EUHZ XQLW
ZLOOPRYHEDFNLQWRSRVLWLRQ
OLW
0DFKLQHWHPSHUDWXUHORZ
2II
)ODVKLQJ
OLW
6WHDGLO\
)ODVKLQJ
%RLOHUWHPSHUDWXUHWRRKLJKORDGWKHFLUFXLW
DVGLUHFWHGRQSDJH
3RZHURQ
0DFKLQHLQ6WDQG%\PRGH
'XULQJ WKLV RSH
UDWLRQWKHNQREPXVW
EHFORVHGDQGWKHPDFKLQH
PXVWEHRII
VFDOH
KDV 'HVFDOHWKHPDFKLQH
(1*/,6+
OLW
6WHDGLO\
&RG5HYGHO
6DHFR,QWHUQDWLRQDO*URXS6S$9LD3DQLJDOL
*DJJLR0RQWDQR%RORJQD,WDO\
7HO)D[KWWSZZZVDHFRFRP