Defy K60328 User manual

3DJH


'$&
'$&
'$&
'$&
'$&
7KHPDQXIDFWXUHUVWULYHVIRUFRQWLQXRXVLPSURYHPHQW
)RUWKLVUHDVRQWKHWH[WDQGLOOXVWUDWLRQVLQWKLVPDQXDO
DUHVX MHFWWRFKDQJHZLWKRXWQRWLFH
3DUWQXPEHU

..5()5,*(5$7256
5HFRUGLQWKHVSDFH HORZWKHOLVWHGLQIRUPDWLRQIRUIXWXUHUHIHUHQFH


6(5,$/180%(5«««««««««««««««««««««««««««««««

'$7(2)385&+$6(«««««««««««««««««««««««««««««

385&+$6(')520««««««««««««««««««««««««««««««

««««««««««««««««««««««««««««««««««««««««
,16758&7,21 $18$/(1
'$&
'$&
'$&
'$&
'$&

3DJH



5HDGWKLVPDQXDOEHIRUHLQLWLDOLQVWDOODWLRQDQGRSHUDWLRQRIWKH
SURGXFW

'HDU&XVWRPHU
<RXUQHZ'HI\UHIULJHUDWRUZDVPDQXIDFWXUHGLQDVWDWHRIWKHDUWIDFLOLW\DQGKDVSDVVHGWKH
VWULFWHVWTXDOLW\FRQWUROSURFHGXUHV
3OHDVHUHDGWKLVPDQXDOFDUHIXOO\ HIRUHXVLQJ\RXUSURGXFWIRUWKHILUVWWLPHDQGWKHQVWRUHLW
ZLWKLQHDV\UHDFKIRUIXWXUHUHIHUHQFH
:HWUXVW\RXZLOOHQMR\\HDUVRIWURX OHIUHHXVH

7KHXVHUPDQXDO
x 7KLVPDQXDOZLOOSURYLGH\RXZLWKLQIRUPDWLRQRQKRZWRVDIHO\RSHUDWHDQGFDUHIRU\RXU
SURGXFWLQRUGHUWKDW\RXJDLQWKHPD[LPXP HQHILWIURPLW
x 3D\SDUWLFXODUDWWHQWLRQWRDQ\VDIHW\LQVWUXFWLRQV
x 3OHDVHUHDGDOODGGLWLRQDOGRFXPHQWVVXSSOLHGZLWK\RXUUHIULJHUDWRU
x 3OHDVHQRWHWKDWWKLVPDQXDOPD\ HXVHGIRUVHYHUDOVLPLODU XWGLIIHUHQWPRGHOV3OHDVH
FKHFNIRUUHOHYDQFHUHJDUGLQJ\RXUSDUWLFXODUPRGHO


([SODQDWLRQRIV\PEROVXVHGLQWKLVPDQXDO

,PSRUWDQW VDIHW\ LQIRUPDWLRQ :DUQLQJ IRU KD]DUGRXV VLWXDWLRQV ZLWK UHJDUG WR OLIH DQG
SURSHUW\

&DXWLRQ:DUQLQJIRUVXSSO\YROWDJH

&DXWLRQ:DUQLQJIRUILUHKD]DUG

&DXWLRQ:DUQLQJIRUKRWVXUIDFHV

5HDGWKHLQVWUXFWLRQV

8VHIXOLQIRUPDWLRQ,PSRUWDQWLQIRUPDWLRQRUXVHIXOKLQWVD RXWXVDJH


8QSDFNLQJ

5HPRYHDOOSDFNDJLQJ
(QVXUHWKDWSDFNLQJPDWHULDOLVGLVSRVHGRILQDUHVSRQVL OHPDQQHUDQGWKDWDQ\SODVWLF DJV
DUHFXWXSWRSUHYHQWFKLOGUHQSOD\LQJZLWKWKHPDQGDFFLGHQWDOO\VXIIRFDWLQJ
,IWKHUHIULJHUDWRULVGDPDJHGLQDQ\ZD\GRQRWXVHLW5HSRUWWKHGDPDJHWR\RXUGHDOHUZKR
ZLOOWDNHWKHQHFHVVDU\FRUUHFWLYHDFWLRQ
7KLVUHIULJHUDWRULVQRWLQWHQGHGIRUXVH \SHUVRQVLQFOXGLQJFKLOGUHQZLWKUHGXFHG
SK\VLFDOVHQVRU\RUPHQWDOFDSD LOLWLHVRUODFNRIH[SHULHQFHDQGNQRZOHGJHXQOHVV
WKH\KDYH HHQJLYHQVXSHUYLVLRQRULQVWUXFWLRQFRQFHUQLQJWKHXVHRIWKH
UHIULJHUDWRU \DSHUVRQUHVSRQVL OHIRUWKHLUVDIHW\

&KLOGUHQVKRXOG HVXSHUYLVHGWRHQVXUHWKDWWKH\GRQRWSOD\ZLWKWKHUHIULJHUDWRU

3DJH


&RQWHQWV
<RXU5HIULJHUDWRU   
,PSRUWDQW6DIHW\,QIRUPDWLRQ 
:DUQLQJV     
&KLOGVDIHW\     
+&$:DUQLQJ    
(QHUJ\VDYLQJWLSV    

3ODFLQJDQG,QVWDOODWLRQ  
7UDQVSRUWDWLRQLQVWUXFWLRQV  
%HIRUHXVLQJWKHUHIULJHUDWRU  
(OHFWULFDOFRQQHFWLRQ   
$GMXVWLQJWKHIHHW    
5HYHUVLQJWKHGRRUV   

8VLQJ\RXUUHIULJHUDWRU  
7HPSHUDWXUHFRQWURODQGDGMXVWPHQW 
'HIURVWLQJ     
7KHIUHH]HUFRPSDUWPHQW  
'HHSIUHH]HLQIRUPDWLRQ   
'HHS)UHH]HSDFNDJLQJLQIRUPDWLRQ 
3ODFLQJIRRGV    

:DWHU'LVSHQVHU   
&OHDQLQJWKHZDWHUWDQN   
 DLQWHQDQFHDQGFOHDQLQJ  
7URXEOH6KRRWLQJ   
5HIULJHUDWRUVSHFLILFDWLRQV  
6HUYLFH&HQWUHV   
:DUUDQW\    

)LJXUHVLQWKLVPDQXDODUHVFKHPDWLFDQGPD\QRWPDWFK\RXUUHIULJHUDWRUH[DFWO\
9DOXHVVWDWHGRQWKHPDFKLQHOD HOVRULQWKHGRFXPHQWDWLRQDFFRPSDQ\LQJLWDUH
R WDLQHGLQOD RUDWRU\FRQGLWLRQVLQDFFRUGDQFHZLWKWKHUHOHYDQWVWDQGDUGV
'HSHQGLQJRQRSHUDWLRQDODQGHQYLURQPHQWDOFRQGLWLRQVRIWKHPDFKLQHWKHVH
YDOXHVPD\YDU\

:DUQLQJ'RQRWSODFHDQ\FRSSHUSRWVRUGLVKHVLQVLGHWKHFD LQHW

3DJH


<RXU5HIULJHUDWRU

7KHPDQXIDFWXUHUVWULYHVIRUFRQWLQXRXVLPSURYHPHQW)RUWKLVUHDVRQWHFKQLFDO
VSHFLILFDWLRQVWH[WDQGLOOXVWUDWLRQVLQWKLVPDQXDODUHVX MHFWWRFKDQJHZLWKRXWQRWLFH
)LJXUHVUHSUHVHQWHGLQWKLVLQVWUXFWLRQPDQXDODUHVFKHPDWLFDQGPD\QRWFRUUHVSRQG
H[DFWO\ZLWK\RXUUHIULJHUDWRU,IWKHSDUWVDUHQRWLQFOXGHGLQWKHUHIULJHUDWRU\RXKDYH
SXUFKDVHGWKH\PD\ HPRGHOVSHFLILFDQGWKHUHIRUHRQO\YDOLGIRUVRPHPRGHOV
 7KHUPRVWDWNQR 
 ,QWHULRUOLJKW
 $GMXVWD OHVKHOYHV
 'HIURVWZDWHUFROOHFWLRQFKDQQHO
 'UDLQWX H
 &ULVSHUFRYHU
 6DODGFULVSHU
 'HSHQGVRQ0RGHO
D )UHH]HUGUDZHUZLWKLFHWUD\
 )UHH]HUGUDZHU
 $GMXVWD OHIURQWIHHW
D 'DLU\VKHOI
 'RRUVKHOI
 %RWWOHVKHOI
 (JJ7UD\
 )ULGJHFRPSDUWPHQW
 )UHH]HUFRPSDUWPHQW
 :DWHUGLVSHQVHUILOOLQJFRQWDLQHU
 :DWHUGLVSHQVHUXSSHUVKHOI
 :DWHUGLVSHQVHUWDQN
 'HSHQGVRQ0RGHO
D


D

3DJH


x 8QSOXJ WKH UHIULJHUDWRU ZKHQ FOHDQLQJ
GXULQJ URXWLQH PDLQWHQDQFH RU LI LW ZLOO QRW
HXVHGIRUDQH[WHQGHGSHULRG
x 7RXQSOXJWKHUHIULJHUDWRUUHPRYHWKHSOXJ
\SXOOLQJRQWKHSOXJDQGQRWWKHFD OH
x ([SRVLQJWKHUHIULJHUDWRUWRUDLQVQRZVXQ
DQGZLQGLVDQHOHFWULFDOVDIHW\ULVN
x 6KRXOG WKH PDLQV OHDG RI WKH UHIULJHUDWRU
HFRPH GDPDJHG RU VKRXOG LW QHHG
UHSODFLQJDW DQ\WLPH LWPXVW HUHSODFHG
\ D VSHFLDO SXUSRVH PDGH PDLQV OHDG
ZKLFK FDQ RQO\ H R WDLQHG IURP D '()<
$XWKRULVHG6HUYLFH$JHQW
x 1HYHU FRQQHFW \RXU UHIULJHUDWRU WR
HOHFWULFLW\ VDYLQJ V\VWHPV DV WKH\ PD\
GDPDJHWKHUHIULJHUDWRU
x 'R QRW VWRUH PHGLFLQH RU DFDGHPLF
UHVHDUFK VDPSOHV ZKLFK UHTXLUH VWULFW
WHPSHUDWXUHFRQWUROLQWKHUHIULJHUDWRU
x 'R QRW VWRUH RU XVH IODPPD OH JDV
HQ]HQHSHWURORUYRODWLOHVX VWDQFHVLQRU
QHDUWKHUHIULJHUDWRU
x 'RQRWVWRUHH[SORVLYHVX VWDQFHVVXFKDV
DHURVRO FDQV ZLWK D IODPPD OH SURSHOODQW
LQWKHUHIULJHUDWRU
x ,Q WKH HYHQW RI D PDOIXQFWLRQ GLVFRQQHFW
WKHUHIULJHUDWRUIURPWKHSRZHUVXSSO\
x 'R QRW RYHUORDG \RXU UHIULJHUDWRU ZLWK
H[FHVVLYHDPRXQWV RIIRRG ,IRYHUORDGHG
WKH IRRG LWHPV PD\ IDOO GRZQ DQG LQMXUH
\RXDQGGDPDJHWKHUHIULJHUDWRUZKHQ\RX
RSHQWKHGRRU1HYHUSODFHR MHFWVRQWRS
RIWKHUHIULJHUDWRUWKH\PD\IDOOGRZQDQG
LQMXUH \RX ZKHQ \RX RSHQ RU FORVH WKH
UHIULJHUDWRUGRRU
x ,I WKHUH LV D OXH OLJKW ILWWHG RQ WKH
UHIULJHUDWRU GR QRW ORRN DW WKH OXH OLJKW
WKURXJKRSWLFV
,PSRUWDQWVDIHW\LQIRUPDWLRQ

3OHDVH UHYLHZ DQG R VHUYH WKH IROORZLQJ
LQIRUPDWLRQ )DLOXUH WR GR VR PD\ UHVXOW LQ
LQMXULHV RU PDWHULDO GDPDJH DQG ZLOO UHQGHU
DQ\ ZDUUDQW\ DQG UHOLD LOLW\ FRPPLWPHQWV
YRLG6SDUHSDUWVIRUWKHUHIULJHUDWRUZLOO H
VWRFNHG IRU  \HDUV WR PHHW DQ\
PDLQWHQDQFHRUVHUYLFHUHTXLUHPHQWV

:DUQLQJV

x +DQGWKLVRZQHUVPDQXDORYHUWRWKHQHZ
RZQHUVKRXOGRZQHUVKLSFKDQJH
x 7KH UHIULJHUDWRU PXVW RQO\ H XVHG IRU LWV
LQWHQGHGSXUSRVHLHWKHVWRULQJRIHGL OH
IRRGVWXII
x 7KH UHIULJHUDWRU LV LQWHQGHG WR H XVHG LQ
KRXVHKROGDQGVLPLODUDSSOLFDWLRQVVXFKDV
VWDII NLWFKHQ DUHDV LQ VKRSV RIILFHV DQG
RWKHU ZRUNLQJ HQYLURQPHQWV IDUP KRXVHV
DQG \ FOLHQWV LQ KRWHOV PRWHOV DQG RWKHU
UHVLGHQWLDO W\SH HQYLURQPHQWV HG DQG
UHDNIDVWW\SHHQYLURQPHQWVFDWHULQJDQG
VLPLODUQRQUHWDLODSSOLFDWLRQV
x &RQVXOWZLWK\RXUDXWKRULVHG'()<VHUYLFH
FHQWUH IRU DOO TXHVWLRQV DQG SUR OHPV
UHODWLQJWRWKHUHIULJHUDWRU2QO\DXWKRULVHG
DJHQWVDUHWRFDUU\RXWUHSDLUV
x 9DSRXU DQG YDSRUL]HG FOHDQLQJ PDWHULDOV
PXVW QHYHU H XVHG LQ WKH FOHDQLQJ DQG
GHIURVWLQJWKHUHIULJHUDWRU7KHYDSRXUPD\
FRPH LQWR FRQWDFW ZLWK WKH HOHFWULFDO SDUWV
DQGFDXVHDVKRUWFLUFXLWRUHOHFWULFVKRFN
x '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
GRRUDVDPHDQVRIVXSSRUWRUVWHS
x 'RQRWXVHHOHFWULFDODSSOLDQFHVLQVLGHWKH
UHIULJHUDWRURUIUHH]HU
x .HHS YHQWLODWLRQ RSHQLQJV LQ WKH
UHIULJHUDWRURULQWKH XLOWLQVWUXFWXUHFOHDU
RIR VWUXFWLRQV

'R QRW RSHUDWH D GDPDJHG
UHIULJHUDWRU &RQVXOW ZLWK \RXU
QHDUHVW '()< VHUYLFH FHQWUH
VKRXOG\RXKDYHDQ\FRQFHUQV
7KH HOHFWULFDO VDIHW\ RI WKH
UHIULJHUDWRU LV RQO\ JXDUDQWHHG LI
WKHHDUWKV\VWHPRI\RXUKRPHLV
FRPSOLDQWWRQDWLRQDOVWDQGDUGV
1HYHU SOXJ WKH UHIULJHUDWRU LQWR
WKH ZDOO VRFNHW GXULQJ
LQVWDOODWLRQ 'HDWK RU VHULRXV
LQMXU\PD\UHVXOW
'R QRW GULOO FXW RU PRGLI\ WKH
UHIULJHUDWRU ,QMXULHV PD\ UHVXOW LI
WKHUHIULJHUDQWFLUFXLWLVGDPDJHG
6HH +&$ ZDUQLQJ 'R QRW
GDPDJHWKHUHIULJHUDQWFLUFXLW
5HSDLUV PXVW H FDUULHG RXW \
DXWKRULVHGSHUVRQVRQO\5HSDLUV
FDUULHG RXW \ LQFRPSHWHQW
SHUVRQVFUHDWHDXVHUULVN

3DJH


x (QVXUH WKDW WKHUH LV VXIILFLHQW VSDFLQJ
HWZHHQ WKH UHIULJHUDWRU DQG VXUURXQGLQJ
ZDOOV
x 8QSOXJ WKH UHIULJHUDWRU IURP WKH PDLQV
ZKHQ\RXFOHDQWKHUHIULJHUDWRU

&KLOGVDIHW\

x ,I WKH GRRU KDV D ORFN WKH NH\ VKRXOG H
NHSWRXWRIUHDFKIURPFKLOGUHQ
x ,I \RX DUH GLVFDUGLQJ DQ ROG UHIULJHUDWRU
ZLWK D ORFN RU ODWFK ILWWHG WR WKH GRRU
GLVD OHWKHORFNODWFKDQGHQVXUHWKDWWKH
UHIULJHUDWRU LV OHIW LQ D VDIH FRQGLWLRQ WR
SUHYHQWFKLOGUHQIURP HLQJWUDSSHGLQVLGH
DQGVXIIRFDWLQJ
x &KLOGUHQ PXVW H VXSHUYLVHG WR SUHYHQW
WKHPIURPWDPSHULQJZLWKWKHUHIULJHUDWRU

+&$:DUQLQJ

5HIULJHUDWRU FRROLQJ V\VWHPV FRQWDLQLQJ
5D
$W '()< WKH FDUH DQG SURWHFWLRQ RI RXU
HQYLURQPHQW LV DQ RQ JRLQJ FRPPLWPHQW
7KLV '()< UHIULJHUDWRU LV SDUWLFXODUO\
HQYLURQPHQWDOO\ IULHQGO\ DQG FRQWDLQV QRQ
&)&+)&QDWXUDOVX VWDQFHVLQWKHFRROLQJ
V\VWHP&DOOHG5DDQGLQWKH LQVXODWLRQ
&DOOHGF\FORSHQWDQH 7KHVHDUH SRWHQWLDOO\
IODPPD OH LI H[SRVHG WR ILUH 7DNH FDUH QRW
WR GDPDJH WKH FRROLQJ FLUFXLW  SLSHV RI WKH
UHIULJHUDWRULQWUDQVSRUWDWLRQDQGLQXVH

,Q FDVH RI GDPDJH GR QRW H[SRVH WKH
UHIULJHUDWRU WR ILUH RU SRWHQWLDO LJQLWLRQ
VRXUFHV DQG LPPHGLDWHO\ YHQWLODWH WKH
URRPZKHUHWKHUHIULJHUDWRULVVLWXDWHG

,JQRUH WKLV ZDUQLQJ LI \RXU UHIULJHUDWRUV
FRROLQJV\VWHPFRQWDLQV5D
x 7KH UHIULJHUDWRU PD\ PRYH LI WKH
DGMXVWD OH OHJV DUH QRW SURSHUO\ OHYHOOHG
RQ WKH IORRU /HYHOOLQJ WKH DGMXVWD OH OHJV
RQ WKH IORRU KHOSV SUHYHQW WKH UHIULJHUDWRU
IURPPRYLQJ
x :KHQFDUU\LQJWKHUHIULJHUDWRUGRQRWKROG
RQWKHGRRUKDQGOHDVWKLVPD\FDXVHWKH
KDQGOHWR UHDN
x :KHQ SODFLQJ \RXU UHIULJHUDWRU QH[W WR
DQRWKHU UHIULJHUDWRU RU IUHH]HU WKH
GLVWDQFH HWZHHQWKHGHYLFHVVKRXOG HDW
OHDVW  PP )DLOXUH WR GR VR PD\ FDXVH
DGMDFHQWZDOOVWRKXPLGLI\
x )RU UHIULJHUDWRUV ZLWK D IUHH]HU
FRPSDUWPHQW 'R QRW SXW RWWOHG DQG
FDQQHG OLTXLG HYHUDJHV LQ WKH IUHH]HU
FRPSDUWPHQWDVWKH\PD\ XUVW
x 'RQRWWRXFKIUR]HQIRRGZLWK\RXUKDQGV
WKH\PD\VWLFNWR\RXUKDQG
x 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
HOHFWULFDOVKRUWLQJ
x )RU PDQXDOO\ FRQWUROOHG UHIULJHUDWRUV ZDLW
DW OHDVW  PLQXWHV HIRUH VWDUWLQJ WKH
UHIULJHUDWRUDIWHUDSRZHUIDLOXUH
x $YRLG DQ\ GDPDJH WR WKH SRZHU FD OH
ZKHQWUDQVSRUWLQJWKHUHIULJHUDWRU
x %HQGLQJWKHFD OHPD\FDXVHDILUH
x 1HYHU SODFH KHDY\ R MHFWV RQ WKH SRZHU
FD OH
x 'RQRWWRXFKWKHSOXJZLWKZHWKDQGV
x 'R QRW SOXJ LQ WKH UHIULJHUDWRU LI WKH ZDOO
VRFNHWLVORRVH
x 2Q GHOLYHU\ FKHFN WR PDNH VXUH WKDW WKH
UHIULJHUDWRULVQRWGDPDJHGDQGWKDWDOOWKH
SDUWV DQG DFFHVVRULHV DUH LQ SHUIHFW
FRQGLWLRQ
x (QVXUH WKDW WKH SOXJ UHPDLQV UHDGLO\
DFFHVVL OH 'R QRW XVH PXOWLSOH DGDSWHU
SOXJVRUDQH[WHQVLRQFD OH
:DUQLQJ 1HYHU GLVSRVH RI WKH
5HIULJHUDWRULQDILUH
'R QRW GLVSRVH RI \RXU
5HIULJHUDWRU DORQJ ZLWK UHJXODU
KRXVHKROGZDVWH
&RQWDFW \RXU ORFDO DXWKRULW\ IRU
GLVSRVDO LQIRUPDWLRQ DQG IDFLOLWLHV
DYDLOD OH
;

3DJH


(QHUJ\VDYLQJWLSV

x (QVXUH \RXU UHIULJHUDWRU LV LQVWDOOHG LQ D
ZHOO YHQWLODWHG DUHD ,I WKH DP LHQW
WHPSHUDWXUH LV ORZ  XW LQ QR FDVH ORZHU
WKDQ& WKHQ WKHHQHUJ\ VDYLQJ ZLOO H
PRUH 'R QRW LQVWDOO \RXU UHIULJHUDWRU
XQGHUGLUHFWVXQOLJKWRUQHDUKHDWHPLWWLQJ
DSSOLDQFHVVXFKDVRYHQVGLVKZDVKHUVRU
UDGLDWRUV.HHSIRRGLQFORVHGFRQWDLQHUV

x (QVXUH WKH WLPH HWZHHQ X\LQJ FKLOOHG
IUR]HQ IRRG DQG SODFLQJ LW LQ WKH
UHIULJHUDWRU LV NHSW DW D PLQLPXP
SDUWLFXODUO\ LQ VXPPHU 8VH D FRROHU DJ
RU D VSHFLDO FDUULHU DJ WR FDUU\ IUR]HQ
IRRG'RQRW SXW KRWIRRG RUGULQNVLQWKH
UHIULJHUDWRU

x 'R QRW OHDYH WKH GRRUV RI WKH
UHIULJHUDWRURSHQIRUORQJDQGHQVXUHWKH\
DUHFORVHGSURSHUO\DIWHUHDFKRSHQLQJ

x 'HIURVW\RXUUHIULJHUDWRUUHJXODUO\

x 'HIURVW IUR]HQ IRRG LQ WKH IULGJH
FRPSDUWPHQWVR WKDWIUR]HQIRRG DFWVDV
DQLFHSDFNWRDVVLVWFRROLQJLQWKHIULGJH
7KLV ZLOO SURYLGH HQHUJ\ VDYLQJ DQG
SUHVHUYHWKHIRRGTXDOLW\

x 'R QRW SXW KRW IRRG RU GULQNV LQ \RXU
UHIULJHUDWRU

x 'R QRW RYHUORDG \RXU UHIULJHUDWRU 7KLV
UHVWULFWV HIIHFWLYH DLU FLUFXODWLRQ LQ WKH
UHIULJHUDWRU

x 3D\DWWHQWLRQWRNHHS\RXU IRRGLQFORVHG
FRQWDLQHUV

3DJH


7UDQVSRUWDWLRQLQVWUXFWLRQV
7KHUHIULJHUDWRUPXVW HWUDQVSRUWHGRQO\LQ
DQ XSULJKW SRVLWLRQ 7KH SDFNLQJ PXVW H
LQWDFWGXULQJWUDQVSRUWDWLRQ
 :KHQ SRVLWLRQLQJ \RXU UHIULJHUDWRU WDNH
FDUH QRW WR GDPDJH IORRULQJ SLSHV ZDOO
FRYHULQJVHWF'RQRWPRYHWKHUHIULJHUDWRU
\SXOOLQJWKHGRRURUKDQGOH
:KHQUHWUDQVSRUWLQJ\RXUUHIULJHUDWRU
x <RXU UHIULJHUDWRU PXVW H HPSWLHG DQG
FOHDQHGSULRUWRDQ\WUDQVSRUWDWLRQ
x 7KHVKHOYHVDFFHVVRULHVFULVSHUHWF
,Q \RXU UHIULJHUDWRU PXVW H IDVWHQHG
VHFXUHO\ ZLWK DGKHVLYH WDSH WR SURWHFW
DJDLQVWDQ\MROWV
x 3DFNDJLQJ PXVW H WLHG ZLWK WKLFN WDSH
DQG VWURQJ URSH DQG WKH WUDQVSRUWDWLRQ
JXLGHOLQHV SULQWHG RQ WKH SDFNDJH PXVW
HIROORZHG
<RXUUHIULJHUDWRUVKRXOG H
LQVWDOOHGDWOHDVWFPDZD\IURP
KHDWVRXUFHVVXFKDVKR V
RYHQVFHQWUDOKHDWHUVDQGVWRYHV
DQGDWOHDVWFPDZD\IURP
HOHFWULFDORYHQVDQGVKRXOGQRW
HORFDWHGXQGHUGLUHFWVXQOLJKW
,IWZRUHIULJHUDWRUVDUHWR H
LQVWDOOHGVLGH \VLGHWKHUH
VKRXOG HDWOHDVWFPGLVWDQFH
HWZHHQWKHP
3ODFLQJDQG,QVWDOODWLRQ

,QVWDOO \RXU UHIULJHUDWRU LQ D SODFH WKDW
DOORZVIRUHDVHRIXVH
.HHS \RXU UHIULJHUDWRU DZD\ IURP KHDW
VRXUFHV VXFK DV VWRYHV JH\VHUV KXPLG
SODFHVDQGGLUHFWVXQOLJKW
7KHUH PXVW H DSSURSULDWH DLU YHQWLODWLRQ
DURXQG\RXUUHIULJHUDWRULQRUGHUWRDFKLHYH
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 DFN RI WKH
DSSOLDQFH6HH'LDJUDP
3ODFH \RXU UHIULJHUDWRU RQ DQ HYHQ IORRU
VXUIDFHWRSUHYHQWMROWV
'R QRW NHHS \RXU UHIULJHUDWRU LQ DP LHQW
WHPSHUDWXUHVXQGHU&
3OHDVH PDNH VXUH WKDW WKH LQWHULRU RI \RXU
UHIULJHUDWRULVFOHDQHGWKRURXJKO\
%HIRUHXVLQJWKHUHIULJHUDWRUFKHFNWKDW

7KH IHHW KDYH HHQ DGMXVWHG IRU SHUIHFW
OHYHOOLQJ
7KHLQWHULRURIWKHUHIULJHUDWRULVFOHDQDQG
GU\
&KHFNWKHUHTXLUHGGLVWDQFH HWZHHQ\RXU
UHIULJHUDWRU DQG WKH ZDOO LQ RUGHU WR DOORZ
IRUIUHHDLUFLUFXODWLRQ
7KH SOXJ KDV HHQ LQVHUWHG LQWR WKH ZDOO
VRFNHW DQG WKH HOHFWULFLW\ LV VZLWFKHG RQ
:KHQ WKH GRRU LV RSHQ WKH LQWHULRU OLJKW
ZLOOFRPHRQ
<RXPD\KHDUDQRLVHDVWKHFRPSUHVVRU
VWDUWV XS 7KH OLTXLG DQG JDVHV VHDOHG
ZLWKLQ WKH UHIULJHUDWLRQ V\VWHP PD\ DOVR
JLYHULVHWRQRLVHHYHQLIWKHFRPSUHVVRU
LVQRWUXQQLQJWKLVLVTXLWHQRUPDO
'R QRW ORDG WKH UHIULJHUDWRU LPPHGLDWHO\
DIWHU LW LV VZLWFKHG RQ :DLW XQWLO WKH
FRUUHFW VWRUDJH WHPSHUDWXUH KDV HHQ
UHDFKHG
(OHFWULFDOFRQQHFWLRQ
&RQQHFW \RXU UHIULJHUDWRU WR D JURXQGHG
VRFNHWZKLFKLVSURWHFWHG \DIXVHZLWKWKH
DSSURSULDWHFDSDFLW\

,PSRUWDQW
7KH FRQQHFWLRQ PXVW H LQ FRPSOLDQFH ZLWK
QDWLRQDOUHJXODWLRQV
7KH SRZHU FD OH SOXJ PXVW H HDVLO\
DFFHVVL OHDIWHULQVWDOODWLRQ
7KHVSHFLILHGYROWDJHPXVW HHTXDOWR\RXU
PDLQVYROWDJH
 ,I WKH IORRU LV FRYHUHG ZLWK D FDUSHW \RXU
UHIULJHUDWRUPXVW HHOHYDWHGPP IURP
WKHIORRU

3DJH


$GMXVWLQJWKHIHHW

7KH UHIULJHUDWRU PD\ PRYH LI WKH DGMXVWD OH
OHJVDUHQRWSURSHUO\OHYHOOHGRQWKHIORRU

/HYHOOLQJWKHDGMXVWDEOHOHJVRQWKHIORRU
/HYHO \RXU UHIULJHUDWRU \ WXUQLQJ WKH IURQW
OHJVDVVKRZQLQWKHLOOXVWUDWLRQ HORZ
7KH FRUQHU ZKHUH WKH OHJV DUH LV ORZHUHG
ZKHQWKHOHJLVWXUQHGLQWKHGLUHFWLRQRIWKH
ODFN DUURZ DQG UDLVHG ZKHQ WXUQHG LQ WKH
RSSRVLWHGLUHFWLRQ

+DYLQJ VRPHRQH WR FDUHIXOO\ DVVLVW LQ WLOWLQJ
WKHUHIULJHUDWRUVOLJKWO\ZLOOKHOSIDFLOLWDWHWKLV
SURFHVV
$GDPDJHGSRZHUFD OHPXVW H
UHSODFHG \DTXDOLILHG
HOHFWULFLDQ
$GDPDJHGUHIULJHUDWRUPXVWQRW
HRSHUDWHG HIRUHLWLVUHSDLUHG
7KHUHLVGDQJHURIDQHOHFWULF
VKRFN
([WHQVLRQFD OHVDQGPXOWLZD\
SOXJVPXVWQRW HXVHGIRU
FRQQHFWLRQ
7KHIURQWHGJHVRIWKH
UHIULJHUDWRUPD\IHHOZDUP7KLV
LVQRUPDO7KHVHDUHDVDUH
GHVLJQHGWR HZDUPLQRUGHUWR
DYRLGFRQGHQVDWLRQ
,PSRUWDQW
&DUHPXVW HWDNHQZKLOH
FOHDQLQJFDUU\LQJWKHUHIULJHUDWRU
QRWWRWRXFKWKH RWWRPRIWKH
FRQGHQVHUPHWDOZLUHVDWWKH
DFNRIWKHUHIULJHUDWRUDVWKLV
FRXOGFDXVHLQMXU\
'()<GHFOLQHVWRDFFHSWDQ\
OLD LOLW\VKRXOGWKHLQVWUXFWLRQV
QRW HIROORZHG
:KHQ RSHUDWLQJ \RXU UHIULJHUDWRU IRU WKH
ILUVW WLPH SOHDVH REVHUYH WKH IROORZLQJ
LQVWUXFWLRQVGXULQJWKHLQLWLDOVL[KRXUV

x 7KH GRRU VKRXOG QRW H RSHQHG
IUHTXHQWO\
x 7KH UHIULJHUDWRU PXVW H RSHUDWHG HPSW\
ZLWKRXWDQ\IRRGLQLW
x 'RQRWXQSOXJ\RXUUHIULJHUDWRU
x 2ULJLQDO SDFNDJLQJ DQG IRDP PDWHULDOV
VKRXOG H NHSW IRU DQ\ IXWXUH
WUDQVSRUWDWLRQRUPRYLQJ

3OHDVH UHPHPEHU WKDW WKH PDQXIDFWXUHU
VKDOO QRW EH KHOG OLDEOH LI WKH LQIRUPDWLRQ
JLYHQ LQ WKH LQVWUXFWLRQ PDQXDO LV QRW
IROORZHG

3DJH


5HYHUVLQJ7KH'RRUV

:H UHFRPPHQG WKDW \RX UHYHUVH GRRUV LI
UHTXLUHG HIRUH VZLWFKLQJ RQ IRU WKH ILUVW
WLPH

7RROVUHTXLUHG

6PDOO DQG PHGLXP VL]H VFUHZGULYHUV DQG D
SDLURISOLHUV

6SDUH3DUWVVXSSOLHGLQWKHSODVWLFEDJ

7KHIROORZLQJSDUWVZKLFKDUHH[FOXVLYHO\IRU
OHIW KDQG VLGH ILWWHG KLQJH RSHUDWLRQ DUH
VXSSOLHGLQDSODVWLF DJZLWKWKHDSSOLDQFH

8SSHUGRRUWRSWULPKLQJHFRYHUV±WKHUHDUH
GLIIHUHQWSDUWVRQHIRUHDFKVLGHRIWKHWRS
WULP
8SSHU GRRU PLGGOH KLQJH XVKLQJ  GRRU
VWRSSHUDVVHP O\

.HHSDOOWKHSDUWVVXSSOLHGLQWKHSODVWLF DJ
DQGSDUWV ZKLFKKDYH HHQUHPRYHG ZKHQ
UHYHUVLQJGRRUVLQDVDIHSODFHIRUSRVVL OH
IXWXUHUHXVH
,PSRUWDQW+DYHVRPH RG\WR
DVVLVW\RXZKHQPRYLQJWKH
UHIULJHUDWRUDQGWRKROGWKHGRRUV
ZKHQUHPRYLQJUHILWWLQJKLQJHV
DQGGRRUVWRDYRLGLQMXU\DQG
GDPDJHWRWKHSURGXFW
3OHDVHUHIHUWRGLDJUDPVVXSSOLHG
8VLQJWKHVFUHZVDQGSODVWLF
SOXJVVXSSOLHGLQWKHLQVWDOODWLRQ
NLWLQVLGHWKHIULGJHILWKDQGOHVWR
WKHGHVLUHGVLGHVHHGLDJUDPIRU
ORFDWLRQV

127('HSHQGVRQPRGHO

6RPHPRGHOVKDYHLQWHJUDWHG
KDQGOHVWKDWDUHXQLYHUVDOWROHIW
DQGULJKWKDQGVLGHVDQGGRQRW
QHHGWR HVZDSSHG
)LJXUHVUHSUHVHQWHGLQWKLV
LQVWUXFWLRQPDQXDODUHVFKHPDWLF
DQGPD\QRWFRUUHVSRQGH[DFWO\
ZLWK\RXUUHIULJHUDWRU

,IWKHSDUWVDUHQRWLQFOXGHGLQWKH
UHIULJHUDWRU\RXKDYHSXUFKDVHG
WKH\PD\ HPRGHOVSHFLILFDQG
WKHUHIRUHRQO\YDOLGIRUVRPH
PRGHOV

3DJH


5HYHUVLQJWKHGRRUV
3URFHHGLQQXPHULFDORUGHU

3DJH


8VLQJ\RXUUHIULJHUDWRU

7HPSHUDWXUHFRQWURODQGDGMXVWPHQW
2SHUDWLQJWHPSHUDWXUHVDUHFRQWUROOHG \WKH
WKHUPRVWDW NQR  VHH GLDJUDP  ORFDWHG RQ
WKH FHLOLQJ RI WKH IULGJH FRPSDUWPHQW
6HWWLQJV PD\ H PDGH IURP  WR   HLQJ
WKHFROGHVWSRVLWLRQ

:KHQ WKH DSSOLDQFH LV VZLWFKHG RQ IRU WKH
ILUVWWLPHWKHWKHUPRVWDWVKRXOG HDGMXVWHG
VR WKDW DIWHU  KRXUV WKH DYHUDJH IULGJH
WHPSHUDWXUHLVQRKLJKHUWKDQ&

6HW WKH WKHUPRVWDW KDOI ZD\ HWZHHQ WKH 
DQG  VHWWLQJ DQG PRQLWRU WR R WDLQ WKH
GHVLUHGWHPSHUDWXUHLHWRZDUGV\RXZLOO
R WDLQDFROGHUIULGJHWHPSHUDWXUHDQGYLFH
YHUVD 6RPH VHFWLRQV RI WKH IULGJH PD\ H
FRROHURUZDUPHUVXFKDVWKHVDODGFULVSHU
DQGWKHWRSSDUWRIWKHFD LQHW7KLVLVTXLWH
QRUPDO

7KH QRUPDO VWRUDJH WHPSHUDWXUH  RI WKH
IUHH]HU VKRXOG H & /RZHU
WHPSHUDWXUHVPD\ HR WDLQHG \DGMXVWLQJ
WKHWKHUPRVWDWNQR WRZDUGVSRVLWLRQ
&KHFN WKH WHPSHUDWXUH  ZLWK DQ DFFXUDWH
WKHUPRPHWHU WR HQVXUH WKDW WKH VWRUDJH
FRPSDUWPHQWV DUH NHSW WR WKH GHVLUHG
WHPSHUDWXUH5HPHP HUWRWDNHWKHUHDGLQJ
YHU\ TXLFNO\ VLQFH WKH WKHUPRPHWHU
WHPSHUDWXUHZLOOULVHYHU\UDSLGO\DIWHU LWKDV
HHQUHPRYHGIURPWKHIUHH]HU

(DFK WLPH WKH GRRU LV RSHQHG  FROG DLU
HVFDSHVDQGWKHLQWHUQDOWHPSHUDWXUHULVHV
7KHUHIRUH QHYHU OHDYH WKH GRRU RSHQ DQG
HQVXUH LW LV FORVHG LPPHGLDWHO\ DIWHU IRRG LV
DGGHGRUUHPRYHG

,Q FDVH  RI D WHPSRUDU\ LFH XLOG XS LQ WKH
IULGJHFRPSDUWPHQWUHGXFHWKHWKHUPRVWDW
VHWWLQJWRPRQLWRULQJDWWKHVDPHWLPHWKDW
WKH IULGJH WHPSHUDWXUH LV PD[LPXP &
2QFH  WKH LFH XLOG XS GLVDSSHDUV DQG  WKH
UHIULJHUDWRU VWDUWV DXWR GHIURVWLQJ DJDLQ  DV
QRUPDO WKHQ \RX PD\ LQFUHDVH WKH
WKHUPRVWDWVHWWLQJLIUHTXLUHG
)LJXUHVUHSUHVHQWHGLQWKLVLQVWUXFWLRQPDQXDODUHVFKHPDWLFDQGPD\QRW
FRUUHVSRQGH[DFWO\ZLWK\RXUUHIULJHUDWRU,IWKHSDUWVDUHQRWLQFOXGHGLQWKH
UHIULJHUDWRU\RXKDYHSXUFKDVHGWKH\PD\ HPRGHOVSHFLILFDQGWKHUHIRUHRQO\
YDOLGIRUVRPHPRGHOV

3DJH


)LJXUHVUHSUHVHQWHGLQWKLVLQVWUXFWLRQPDQXDODUHVFKHPDWLFDQGPD\QRW
FRUUHVSRQGH[DFWO\ZLWK\RXUUHIULJHUDWRU,IWKHSDUWVDUHQRWLQFOXGHGLQWKH
UHIULJHUDWRU\RXKDYHSXUFKDVHGWKH\PD\ HPRGHOVSHFLILFDQGWKHUHIRUHRQO\
YDOLGIRUVRPHPRGHOV
'HIURVWLQJ

)ULGJHFRPSDUWPHQW

7KHIULGJHFRPSDUWPHQWGHIURVWV
DXWRPDWLFDOO\

7KH GHIURVWLQJ ZDWHU UXQV WR WKH GUDLQ WX H
YLD D FROOHFWLRQ FRQWDLQHU DW WKH DFN RI WKH
DSSOLDQFH

6HHGLDJUDP
'XULQJGHIURVWLQJZDWHUGURSOHWVPD\IRUPDW
WKH DFN RI WKH IULGJH FRPSDUWPHQW ZKHUH
WKHFRQFHDOHGHYDSRUDWRULVORFDWHG

6RPH GURSOHWV PD\ UHPDLQ RQ WKH OLQHU DQG
UHIUHH]HZKHQGHIURVWLQJLVFRPSOHWHG

'R QRW XVH SRLQWHG RU VKDUS HGJHG
REMHFWVVXFKDVNQLYHVRUIRUNVWRUHPRYH
WKHGURSOHWVZKLFKKDYHIUR]HQ
,I DW DQ\ WLPH WKH GHIURVW ZDWHU GRHV QRW
GUDLQ IURP WKH FROOHFWLRQ FKDQQHO FKHFN WR
HQVXUH WKDW QR IRRG SDUWLFOHV KDYH ORFNHG
WKHGUDLQWX H

7KH GUDLQ WX H FDQ H FOHDUHG \ SXVKLQJ
WKH VSHFLDO SODVWLF SOXQJHU SURYLGHG GRZQ
WKH GUDLQ WX H  ,I WKH IURVW OD\HU UHDFKHV
D RXW  PP UHGXFH WKH VHWWLQJ LH IURP 
WRWRUHVWDUWDXWRPDWLFGHIURVWLQJ

3DJH


'HIURVWLQJ

)UHH]HUFRPSDUWPHQW

7R VWDUW WKH GHIURVWLQJ SURFHGXUH VZLWFK RII
WKH UHIULJHUDWRU DW WKH ZDOO VRFNHW DQG SXOO
RXWWKHPDLQVSOXJ

$OOIRRGVKRXOG HZUDSSHGLQVHYHUDOOD\HUV
RI QHZVSDSHU DQG VWRUHG LQ D FRRO SODFH
HJIULGJHRUODUGHU

5HPRYH DOO IUHH]HU GUDZHUV &RQWDLQHUV IXOO
RIZDUPZDWHUPD\ HSODFHGFDUHIXOO\LQWKH
IUHH]HUWRVSHHGXSWKHGHIURVWLQJSURFHVV
'R QRW XVH SRLQWHG RU VKDUS HGJHG R MHFWV
VXFKDVNQLYHVRUIRUNVWRUHPRYHWKHIURVW

1HYHU XVH KDLUGU\HUV HOHFWULFDO KHDWHUV DQG
RWKHU VLPLODU HOHFWULFDO DSSOLDQFHV IRU
GHIURVWLQJ

:KHQ GHIURVWLQJ KDV ILQLVKHG VSRQJH RXW
DQ\ GHIURVW ZDWHU ZKLFK FROOHFWV DW WKH
RWWRP RI WKH IUHH]HU DQG GU\ WKH LQWHULRU
WKRURXJKO\
,QVHUW WKH SOXJ LQ WR WKH ZDOO VRFNHW DQG
VZLWFKRQWKHHOHFWULFLW\VXSSO\

3DJH


7KHIUHH]HUFRPSDUWPHQW

'HHSIUHH]HLQIRUPDWLRQ

x )RRG PXVW H IUR]HQ DV UDSLGO\ DV
SRVVL OH ZKHQ SODFHG LQ D IUHH]HU WR
PDLQWDLQLWVTXDOLW\
x ,W LV SRVVL OH WR NHHS IRRG IRU D ORQJ WLPH
SHULRG RQO\ DW WHPSHUDWXUHV RI & RU
ORZHU
x 7KH TXDOLW\ RI IRRG LQ D IUHH]HU FDQ H
PDLQWDLQHG IRU PDQ\ PRQWKV DW
WHPSHUDWXUHVRI&RUORZHU
x 3UHSDFNHG FRPPHUFLDOO\ IUR]HQ IRRG
VKRXOG H VWRUHG LQ DFFRUGDQFH ZLWK WKH
IUR]HQIRRGPDQXIDFWXUHU¶VLQVWUXFWLRQVIRU
D  VWDU IUR]HQ IRRG VWRUDJH
FRPSDUWPHQW
7RHQVXUHWKDWWKHKLJKTXDOLW\DFKLHYHG \
WKHIUR]HQIRRGPDQXIDFWXUHUDQGWKHIRRG
UHWDLOHULVPDLQWDLQHGWKHIROORZLQJVKRXOG
HUHPHP HUHG
 3XW SDFNDJHV LQ WKH IUHH]HU DV TXLFNO\ DV
SRVVL OH DIWHU SXUFKDVH (QVXUH WKDW
FRQWHQWV DUH OD HOOHG DQG GDWHG 'R QRW
H[FHHG³8VH%\´RU³%HVW%HIRUH´GDWHVRQ
WKHSDFNDJLQJ
 ,IWKHUHLVDSRZHUIDLOXUHGRQRWRSHQWKH
IUHH]HU GRRU (YHQ LI WKH SRZHU IDLOXUH
ODVWV XS WR WKH ³7HPSHUDWXUH ULVH WLPH´
IUR]HQ IRRG ZLOO QRW H DIIHFWHG ,Q FDVH
WKH IDLOXUH ODVWV ORQJHU WKH IRRG PXVW H
FKHFNHG DQG ZKHQ QHFHVVDU\ PXVW H
FRQVXPHG LPPHGLDWHO\ RU PXVW H IUR]HQ
DIWHU HLQJFRRNHG
x :UDS DOO IRRG HIRUH VWRUDJH 6HDO DOO
IRRGV RU SODFH LQ DLUWLJKW FRQWDLQHUV WR
SUHYHQWGHK\GUDWLRQ
x (OLPLQDWH DOO WKH DLU SRFNHWV IURP
SDFNDJHVDQGNHHSDLURXW \ILUPVHDOLQJ
x :KHQSDFNDJLQJLQVKHHWPDWHULDOVXFKDV
DOXPLQLXPIRLOSDUFHOWLJKWO\DQGSUHVVRXW
DOO DLU SRFNHWV $OO IROGV VKRXOG H VHDOHG
ZLWKGHHSIUHH]HVHDOLQJWDSH
x 8QZUDSSHG IRRG FRQWDLQLQJ DFLGV RU VDOW
PD\SHUPDQHQWO\VWDLQWKHFD LQHWLQWHULRU
x :KHQ ORDGLQJ XON LQWR WKH IUHH]HU ORDG
RQH TXDUWHU DW D WLPH DQG DOORZ WR IUHH]H
HIRUHORDGLQJWKHQH[WTXDUWHU
x 'LYLGH IRRG LQWR UHDVRQD OH SRUWLRQV
DFFRUGLQJWR\RXUUHTXLUHPHQWV
x $OORZKRWIRRGWRFRRO HIRUHSXWWLQJLWLQWR
WKH IUHH]HU )UHH]H FRRNHG IRRG LQ VPDOO
TXDQWLWLHV7KLVHQVXUHVUDSLGIUHH]LQJDQG
PDLQWDLQVWKHTXDOLW\RIWKHIRRG
x $OZD\V XVH DSSURSULDWH SDFNDJLQJ
PDWHULDO WR DYRLG RGRXU SHQHWUDWLRQ RU
GHJUDGDWLRQRIWKHIRRG
x 7UDQVSRUW SUHIUR]HQ IRRG IURP WKH
VXSHUPDUNHW LQ IRLO OLQHG FRROHU DJV DQG
WUDQVIHU WR WKH KRPH IUHH]HU DV VRRQ DV
SRVVL OH
x 3ODFHIUHVKIRRGWR HIUR]HQQHDUWKHVLGH
ZDOOVRIWKHIUHH]HUWRHQVXUHIDVWIUHH]LQJ
x 1HYHU H[FHHG WKH PD[LPXP IUHH]LQJ
FDSDFLW\RIWKHIUHH]HU
x 'RQRW IUHH]HWRRODUJH DTXDQWLW\ RIIRRG
DWDQ\RQHWLPH7KHTXDOLW\RIWKHIRRGLV
HVW SUHVHUYHG ZKHQ LW LV IUR]HQ ULJKW
WKURXJK WR WKH FHQWUH DV TXLFNO\ DV
SRVVL OH
x 7DNH VSHFLDO FDUH QRW WR PL[ DOUHDG\
IUR]HQIRRGDQGIUHVKIRRG

'R QRW WDNH RXW IUR]HQ IRRG ZLWK
ZHW KDQGV <RXU KDQGV FRXOG
VWLFNWRWKHIUR]HQIRRG
 'R QRW H[FHHG WKH H[SLU\ GDWH
VKRZQRQIRRGSDFNV
)RRG WKDW KDV GHIURVWHG PXVW H
FRQVXPHG ZLWKLQ  KRXUV 2QO\
FRRNHGIRRGFDQ HUHIUR]HQ'R
QRW UHIUHH]H IRRG WKDW KDV
GHIURVWHG
1RWH,I WKHGRRU RIWKHIUHH]HU LV
GLIILFXOW WR RSHQ MXVW DIWHU HLQJ
FORVHGWKLVLVGXHWRWKHSUHVVXUH
GLIIHUHQFHZKLFKZLOOHTXDOL]HDQG
DOORZ IRU WKH GRRU WR H RSHQHG
QRUPDOO\DIWHUDIHZPLQXWHV
'HHS)UHH]HSDFNDJLQJLQIRUPDWLRQ
0DWHULDOV WR H XVHG IRU SDFNDJLQJ PXVW H
WHDUSURRI DQG UHVLVWDQW WR FROG KXPLGLW\
RGRXURLOVDQGDFLGVDQGWKH\PXVWDOVR H
DLUWLJKW 7KH\ PXVW H PDGH IURP PDWHULDOV
WKDWDUHVXLWD OHIRUGHHSIUHH]HXVDJH

DWHULDOVQHFHVVDU\IRUSDFNDJLQJ
&ROG UHVLVWDQW DGKHVLYH WDSH 6HOI DGKHVLYH
OD HOV5X HUULQJVDQGD3HQ

3DJH


3ODFLQJIRRGV
)UHH]HUFRPSDUWPHQW
VKHOYHV
9DULRXVIUR]HQIRRGVXFKDVPHDWILVKLFHFUHDPDQG
YHJHWD OHV
(JJKROGHU (JJV
)ULGJHFRPSDUWPHQW
VKHOYHV
)RRGLQSDQVFRYHUHGSODWHVDQGFORVHGFRQWDLQHUV
)ULGJHFRPSDUWPHQWGRRU
VKHOYHV
6PDOODQGSDFNDJHGIRRGRUGULQNVVXFKDVPLONDQGIUXLW
MXLFH'HOLFDWHVVHQSURGXFWVFKHHVHDQG XWWHU
&ULVSHU 9HJHWD OHVDQGIUXLWV
9DOXHVVWDWHGLQWKHGRFXPHQWDWLRQDUHR WDLQHGLQOD RUDWRU\FRQGLWLRQVLQ
DFFRUGDQFHZLWKWKHUHOHYDQWVWDQGDUGV'HSHQGLQJRQRSHUDWLRQDODQG
HQYLURQPHQWDOFRQGLWLRQVRIWKHUHIULJHUDWRUWKHVHYDOXHVPD\YDU\
,I\RXUUHIULJHUDWRULVQRWJRLQJWR HXVHGIRUDORQJSHULRGRIWLPHXQSOXJWKH
SRZHUFD OHUHPRYHDOOIRRGFOHDQLWDQGOHDYHWKHGRRUDMDU
$UUDQJHPHQW([DPSOHV
6HHGLDJUDP
%DNHGFKLOOHGFRRNHG
IRRGGDLU\SURGXFWV
FDQV
0HDWVDXVDJHVFROG
FXWV
)UXLWYHJHWD OHV
VDODGV
0DNLQJVWRULQJLFH
FX HV
)UR]HQIRRG
)UR]HQIRRGDQG
IUHH]LQJRIIUHVKIRRG
'DLU\
&DQV
(JJV
7DOOODUJH RWWOHV
HYHUDJHV

3DJH


:DWHU'LVSHQVHU

7KHZDWHUGLVSHQVHULVDYHU\XVHIXOIHDWXUH
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\ 
  
8VLQJWKHZDWHUGLVSHQVHU

3XVKLQWKHOHYHURIWKHZDWHUGLVSHQVHUZLWK
\RXUJODVVIRUZDWHUIORZ5HOHDVLQJWKHOHYHU
FXWVRIIWKHZDWHUIORZ

:KHQ RSHUDWLQJ WKH ZDWHU GLVSHQVHU
PD[LPXP IORZ LV DFKLHYHG \ IXOO\
GHSUHVVLQJWKHOHYHU

3OHDVHQRWHKRZPXFKZDWHUIORZVIURPWKH
GLVSHQVHU GHSHQGV RQ KRZ IDU \RX GHSUHVV
WKHOHYHU$VWKHOHYHORIZDWHULQ\RXUFXS
JODVV ULVHV JHQWO\ UHGXFH WKH DPRXQW RI
SUHVVXUHRQWKHOHYHUWRDYRLGRYHUIORZ

,I\RX GHSUHVVWKH OHYHU \ DVPDOO DPRXQW
WKHQ WKH ZDWHU ZLOO RQO\ WULFNOH WKLV LV
SHUIHFWO\QRUPDODQGLVQRWDIDXOW
)LOOLQJWKHZDWHUGLVSHQVHUVWDQN

7KH ZDWHU WDQN ILOOLQJ UHVHUYRLU LV ORFDWHG
LQVLGH WKH GRRU UDFN 2SHQ WKH UHVHUYRLU
FRYHUDQGILOOXSZLWKSXUHDQGFOHDQGULQNLQJ
ZDWHU&ORVHWKHFRYHU

8VHFOHDQDQGSXUHGULQNLQJZDWHURQO\

&DSDFLW\ RI WKH ZDWHU WDQN LV  OLWUHV GR
QRWRYHUILOO

3XVK WKH DUP RI WKH ZDWHU GLVSHQVHU ZLWK D
ULJLG JODVV ,I \RX DUH XVLQJ GLVSRVD OH
SODVWLF JODVVHV SXVK WKH DUP ZLWK \RXU
ILQJHUVIURP HKLQGWKHJODVV
:DUQLQJ

'RQRWILOOWKHZDWHUWDQNZLWKDQ\OLTXLGRWKHU
WKDQGULQNLQJZDWHU HYHUDJHVVXFKDVIUXLW
MXLFH FDU RQDWHG HYHUDJHV DQG DOFRKROLF
GULQNVDUHQRWVXLWD OHIRUXVHZLWKWKHZDWHU
GLVSHQVHU

,IVXFKOLTXLGVDUHXVHGWKHZDWHUGLVSHQVHU
ZLOO PDOIXQFWLRQ DQG PD\ H GDPDJHG
H\RQGUHSDLU7KHZDUUDQW\ GRHV QRW FRYHU
VXFK XVDJH 6RPH RI WKH LQJUHGLHQWV DQG
DGGLWLYHV LQ WKHVH GULQNV  HYHUDJHV PD\
DOVR DWWDFN DQG GDPDJH WKH ZDWHU WDQN
PDWHULDO

3DJH


:DWHUWUD\

$Q\ ZDWHU WKDW GULSV ZKLOVW XVLQJ WKH ZDWHU
GLVSHQVHUDFFXPXODWHVLQWKHVSLOODJHWUD\
5HPRYH WKH SODVWLF VWUDLQHU \ SUHVVLQJ RQ
WKHVLGHDVVKRZQLQWKHILJXUH:LWKDFOHDQ
DQG GU\ FORWK UHPRYH WKH ZDWHU WKDW KDV
DFFXPXODWHG
:$51,1*'RQRWZDVKDQ\RI
WKHZDWHUWDQNSDUWVLQD
GLVKZDVKLQJPDFKLQH
&OHDQLQJWKHZDWHUWDQN

x 5HPRYH WKH ZDWHU ILOOLQJ UHVHUYRLU LQVLGH
WKHGRRUUDFN
0DNHVXUHWKDWWKHSDUWVDQGVHDOVUHPRYHG
LIDQ\DVLOOXVWUDWHGLQWKHH[SORGHGGLDJUDP
HORZ GXULQJ FOHDQLQJ DUH SURSHUO\ UHILWWHG
WRSUHYHQWDQ\ZDWHUOHDNDJH
x 5HPRYH WKH ZDWHU GLVSHQVHU VKHOI \
KROGLQJIURP RWKVLGHV
x *UD  WKH ZDWHU GLVSHQVHU UHVHUYRLU RQ
RWKVLGHVUHPRYHLWDWDQDQJOHRI
x &OHDQWKHUHVHUYRLU \UHPRYLQJLWVOLG

3DJH


3URWHFWLRQRISODVWLFVXUIDFHV
'RQRWSODFHOLTXLGRLOVRURLOFRRNHGPHDOVLQ
\RXU UHIULJHUDWRU LQ XQVHDOHG FRQWDLQHUV DV
WKH\PD\GDPDJHWKHSODVWLFVXUIDFHV
,Q FDVH RI VSLOOLQJ RU VPHDULQJ RLO RQ WKH
SODVWLFVXUIDFHVFOHDQDQGULQVHWKHUHOHYDQW
SDUWRIWKHVXUIDFHDWRQFHZLWKZDUPZDWHU

5HSODFLQJWKHOLJKWEXOE
 6ZLWFK RII DW WKH ZDOO VRFNHW DQG SXOO RXW
WKHPDLQVSOXJ
6KHOYHVPD\ HUHPRYHGIRUHDV\DFFHVV
8VHDIODWWLSSHGVFUHZGULYHUWRUHPRYHWKH
OLJKWGLIIXVHUFRYHU \LQVHUWLQJWKH ODGHLQWR
HDFK RI WKH WZR UHFHVVHV WR SULVH RII HDFK
VLGH
 )LUVW FKHFN WKDW WKH XO  LV QRW ORRVH \
HQVXULQJ LW LV VHFXUHO\ VFUHZHG LQWR WKH
KROGHU 5HILW WKH SOXJ DQG VZLWFK RQ ,I WKH
XO  ZRUNV UHSODFH WKH OLJKW FRYHU \
LQVHUWLQJ WKH UHDU OXJ DQG SXVKLQJ XS WR
ORFDWHWKHIURQWWZROXJV
 ,I WKH OLJKW VWLOO IDLOV WR ZRUN VZLWFK RII DW
WKH ZDOO VRFNHW DQG SXOO RXW WKH PDLQV SOXJ
5HSODFH WKH XO  ZLWK D QHZ  ZDWW PD[
VFUHZFDS6(6 XO 
 &DUHIXOO\ GLVSRVH RI WKH XUQWRXW OLJKW
XO 
$ UHSODFHPHQW OLJKW XO  FDQ H R WDLQHG
IURPDJRRGORFDOHOHFWULFDORU',<VWRUH
DLQWHQDQFHDQG&OHDQLQJ

 $OZD\V GLVFRQQHFW WKH SOXJ IURP WKH
PDLQVVRFNHWEHIRUHFOHDQLQJ
 1HYHU XVH DQ\ VKDUS LQVWUXPHQWV RU
D UDVLYHVX VWDQFHVVRDSKRXVHKROG
FOHDQHUGHWHUJHQWRUZD[SROLVKIRUFOHDQLQJ
 8VHOXNHZDUPZDWHUWRFOHDQWKHFD LQHW
RIWKHUHIULJHUDWRUDQGZLSHLWGU\
 8VHDGDPSFORWKZUXQJRXWLQDVROXWLRQ
RI RQH WHDVSRRQ RI LFDU RQDWH RI VRGD WR
WZR OLWUHV RI ZDWHU WR FOHDQ WKH LQWHULRU DQG
ZLSHLWGU\ZLWKDVRIWFORWK
 0DNH VXUH WKDW QR ZDWHU HQWHUV WKH
WHPSHUDWXUHFRQWURO R[RUODPSKRXVLQJDQG
RWKHUHOHFWULFDOLWHPV
 ,I WKH UHIULJHUDWRULV QRW JRLQJWR H XVHG
IRU D ORQJ SHULRG RI WLPH VZLWFK LW RII DQG
XQSOXJ WKH SRZHU FD OH UHPRYH DOO IRRG
FOHDQLWDQGOHDYHWKHGRRUDMDU
 $Q\ GXVW WKDW JDWKHUVRQ WKH FRQGHQVHU
ZKLFKLVORFDWHGDWWKH DFNRIWKH
UHIULJHUDWRUVKRXOG HUHPRYHGRQFHD \HDU
ZLWKDYDFXXPFOHDQHURUGXVWHGXVLQJDVRIW
ULVWOH UXVK
 &KHFNGRRUVHDOVUHJXODUO\WRHQVXUHWKH\
DUHFOHDQDQGIUHHIURPIRRGSDUWLFOHV
1HYHU
 &OHDQ WKH UHIULJHUDWRU ZLWK XQVXLWD OH
PDWHULDOHJSHWUROHXP DVHGSURGXFWV
6X MHFWLWWRKLJKWHPSHUDWXUHVLQDQ\ZD\
6FRXUUX HWFZLWKD UDVLYHPDWHULDO
 $OZD\V HQVXUH WKDW WKH GHIURVW GUDLQ
ORFDWHG HORZ WKH DFN ZDOO HYDSRUDWRU LQ
WKH UHIULJHUDWRU VHFWLRQ LV FOHDQ DQG IUHH
IURPR VWUXFWLRQV
 6KHOYHV DQG IUHH]HU DVNHWV PD\ H
UHPRYHG IRU FOHDQLQJ SXUSRVHV 5HSODFH
DVNHWV LQ RULJLQDO SRVLWLRQV 7R UHPRYH D
IUHH]HUGUDZHUSXOOLWDVIDUDVSRVVL OHWLOWLW
XSZDUGVDQGWKHQSXOOLWRXWFRPSOHWHO\
 7KHUHLVQRQHHGWRGHIURVWVHPLQRIURVW
PRGHOV WKH IUHH]HU GHIURVWV DXWRPDWLFDOO\
)RUVWDWLFPRGHOVVHHGHIURVWLQJ
:DUQLQJ'RQRWGDPDJHWKH
UHIULJHUDQWFLUFXLW'RQRWXVH
HOHFWULFDODSSOLDQFHVLQVLGHWKH
IRRGVWRUDJHFRPSDUWPHQWVRIWKH
UHIULJHUDWRUXQOHVVWKH\KDYH
HHQUHFRPPHQGHG \WKH
PDQXIDFWXUHU

3DJH


7URXEOH6KRRWLQJ

3OHDVHUHYLHZWKLVOLVW HIRUHFDOOLQJDVHUYLFHFHQWUH,WFRXOGVDYH\RXWLPHDQGPRQH\7KLV
OLVWLQFOXGHVIUHTXHQWFRPSODLQWVWKDWGRQRWDULVHIURPGHIHFWLYHZRUNPDQVKLSRUPDWHULDO
XVDJH6RPHRIWKHIHDWXUHVGHVFUL HGKHUHPD\QRWDSSO\WR\RXUPRGHO
6\PSWRP &KHFN
7KHUHIULJHUDWRUGRHVQRW
RSHUDWH
0DNHVXUHWKHUHIULJHUDWRUSOXJLVVHFXUHO\SOXJJHGLQ
&KHFNIRUD ORZQIXVHRUWULSSHGFLUFXLW UHDNHU
7HVWWKHZDOOVRFNHWIRUSRZHUXVLQJDQRWKHUDSSOLDQFH
,QVSHFWWKHHOHFWULFDOFRUGIRUGDPDJH
(OLPLQDWHWKHXVHRIDQH[WHQVLRQFRUGLIDQ\LV HLQJXVHG
&RQGHQVDWLRQRQWKHVLGH
ZDOORIWKHIULGJH
FRPSDUWPHQW
9HU\FROGDP LHQWFRQGLWLRQV)UHTXHQWRSHQLQJDQGFORVLQJRI
WKH GRRU +LJKO\ KXPLG DP LHQW FRQGLWLRQV 6WRUDJH RI IRRG
FRQWDLQLQJ OLTXLG LQ RSHQ FRQWDLQHUV /HDYLQJ WKH GRRU DMDU
6ZLWFKLQJWKHWKHUPRVWDWWRDFROGHUGHJUHH
'HFUHDVLQJWKHDPRXQWRIWLPHWKHGRRULVOHIWRSHQRUXVLQJLW
OHVVIUHTXHQWO\
 &RYHULQJ WKH IRRG VWRUHG LQ RSHQ FRQWDLQHUV ZLWK D VXLWD OH
PDWHULDO
:LSHWKHFRQGHQVDWLRQXVLQJDGU\FORWKDQGFKHFNLILWSHUVLVWV
&RPSUHVVRULVQRW
UXQQLQJ
 7KH SURWHFWLYH WKHUPDO UHOD\ RI WKH FRPSUHVVRU ZLOO ORZ RXW
GXULQJ VXGGHQ SRZHU IDLOXUHV RU SOXJRXWV DQG SOXJLQV DV WKH
UHIULJHUDQWSUHVVXUHLQWKHFRROLQJV\VWHPRIWKHUHIULJHUDWRUKDV
QRW \HW HHQ DODQFHG <RXU UHIULJHUDWRU ZLOO VWDUW UXQQLQJ
DSSUR[LPDWHO\DIWHUPLQXWHV3OHDVHFDOODVHUYLFHFHQWUHLIWKH
UHIULJHUDWRUGRHVQRWVWDUWXSDWWKHHQGRIWKLVSHULRG
 7KH UHIULJHUDWRU LV LQ GHIURVW F\FOH 7KLV LV QRUPDO IRU DQ
DXWRPDWLF GHIURVWLQJ UHIULJHUDWRU 7KH GHIURVWLQJ F\FOH RFFXUV
SHULRGLFDOO\
<RXUUHIULJHUDWRULVQRWSOXJJHGLQWRWKHZDOOVRFNHW0DNHVXUH
WKDWWKHSOXJLVSURSHUO\ILWWHGLQWRWKHZDOOVRFNHW
+DYHWKHWHPSHUDWXUHDGMXVWPHQWV HHQFRUUHFWO\PDGH"
3RZHUPLJKW HFXWRII
&RQGHQVDWLRQRQWKH
LQQHUZDOOVRIUHIULJHUDWRU
+RWDQGKXPLGZHDWKHULQFUHDVHVLFLQJDQGFRQGHQVDWLRQ,WLV
QRUPDODQGQRWDIDXOW
'RRUVPLJKWKDYH HHQOHIWDMDUHQVXUHWKHGRRUVDUHIXOO\
FORVHG
'RRUVPLJKWKDYH HHQRSHQHGIUHTXHQWO\RUOHIWDMDUIRUDORQJ
WLPHRSHQWKHPOHVVIUHTXHQWO\
)RRGNHSWLQWKHIULGJH
FRPSDUWPHQWGUDZHUVDUH
IUHH]LQJ
7KHIULGJHWHPSHUDWXUHPLJKWKDYH HHQDGMXVWHGWRDYHU\ORZ
WHPSHUDWXUH$GMXVWWKHIULGJHWHPSHUDWXUHWRDZDUPHUGHJUHH
DQGFKHFN
)UHH]HUWHPSHUDWXUHLV
YHU\ORZZKLOHWKHIULGJH
WHPSHUDWXUHLVVXIILFLHQW
7KHIUHH]HUWHPSHUDWXUHLVDGMXVWHGWRDYHU\ORZWHPSHUDWXUH
$GMXVWWKHIUHH]HUWHPSHUDWXUHWRDZDUPHUGHJUHHDQGFKHFN