Defy DGS158 User manual

3DJH
6729('()<*$6
(/(&75,&6

8VHUV0DQXDO
7KHPDQXIDF XUHUV ULYHVIRUFRQ LQXRXVLPSURYHPHQ )RU KLVUHDVRQ KH H[ DQG
LOOXV UD LRQVLQ KLVPDQXDODUHVXEMHF  RFKDQJHZL KRX QR LFH
5HFRUGLQ KHVSDFHEHORZ KHOLV HGLQIRUPD LRQIRUIX XUHUHIHUHQFH


6(5,$/180%(5«««««««««««««««««««««««««««««««

'$7(2)385&+$6(«««««««««««««««««««««««««««««

385&+$6(')520««««««««««««««««««««««««««««««

««««««««««««««««««««««««««««««««««««««««
'*6
3(50,7180%(5
56$$

3DJH
'HDU&XV RPHU

<RXUQHZ'HI\ DSSOLDQFHZDV PDQXIDF XUHGLQDV D HRI KHDU IDFLOL \DQGKDVSDVVHG KH
V ULF HV TXDOL \FRQ UROSURFHGXUHV

3OHDVH UHDG KLV PDQXDO FDUHIXOO\ EHIRUH LQV DOOLQJ DQG XVLQJ \RXU KRE IRU KH ILUV  LPH DQG
KHQV RUHL ZL KLQHDV\UHDFKIRUIX XUHUHIHUHQFH6DIH \LQV UXF LRQVPXV EHV ULF O\IROORZHG

7KLV8VHU0DQXDOPD\DOVREHDSSOLFDEOHIRUVHYHUDOR KHUPRGHOV'LIIHUHQFHVEH ZHHQ
PRGHOVDUHH[SOLFL O\LGHQ LILHGLQ KHPDQXDO

7KLVPDQXDOZLOOSURYLGH\RXZL KLQIRUPD LRQRQKRZ RRSHUD HDQGFDUHIRU\RXUDSSOLDQFH R
JDLQ KHPD[LPXPEHQHIL IURPL 

:H UXV \RXZLOOHQMR\\HDUVRI URXEOHIUHHXVH


(;3/$1$7,212)6<0%2/6
7KURXJKRX  KLV8VHU0DQXDO KHIROORZLQJV\PEROVDUHXVHG



,PSRU DQ LQIRUPD LRQRUXVHIXOKLQ VDERX XVDJH

:DUQLQJIRUKD]DUGRXVVL XD LRQVZL KUHJDUG ROLIHDQGSURSHU \

:DUQLQJIRUHOHF ULFVKRFN

:DUQLQJIRUULVNRIILUH

:DUQLQJIRUKR VXUIDFHV






3/($6(5(*,67(5<285352'8&7$7
ZZZGHI\FR D
'()<$33/,$1&(637</7'
32%2;
-$&2%6
'85%$1

6287+$)5,&$
,PSRUWDQW5HDG KHVHLQV UXF LRQVIRUXVHFDUHIXOO\VRDV RIDPLOLDUL]H\RXUVHOI
ZL K KHDSSOLDQFHEHIRUHFRQQHF LQJL  RL VJDVFRQ DLQHU.HHS KHVHLQV UXF LRQV
IRUIX XUHUHIHUHQFH

3DJH
7DEOHRIFRQWHQWV
*HQHUDOLQIRUPDWLRQ    
2YHUYLHZ       
7HFKQLFDOVSHFLILFD LRQV    
3DFNDJHFRQ HQ V     
,QMHF RU DEOH      

,PSRUWDQWVDIHW\LQVWUXFWLRQV  
*HQHUDOVDIH \      
6DIH \IRUFKLOGUHQ     
6DIH \ZKHQZRUNLQJZL KJDV   
,I\RXVPHOOJDV     
$F LRQ REH DNHQLQHYHQ RIDEXUQEDFN 
,Q HQGHGXVH      
6DIH \ZKHQZRUNLQJZL KHOHF ULFL \  

,QVWDOODWLRQ      
%HIRUHLQV DOOD LRQ     
5RRPYHQ LOD LRQ     
,PSRU DQ LQIRUPD LRQIRU KHLQV DOOHU 
,PSRU DQ LQIRUPD LRQIRU KHXVHU  
(OHF ULFDOFRQQHF LRQ    
*DVFRQQHF LRQ     
/HDNDJHFRQ URO     
)LQDOFKHFN      
*DVFRQYHUVLRQ     

3UHSDUDWLRQ      
7LSVIRUHQHUJ\VDYLQJ    
,QL LDOXVH       
)LUV FOHDQLQJRI KHDSSOLDQFH   
,QL LDOKHD LQJ      
3DFNDJHLQIRUPD LRQ    
)X XUH UDQVSRU D LRQ    
'LVSRVLQJRI KHROGSURGXF    

8VLQJWKHKRE     
*HQHUDOLQIRUPD LRQDERX FRRNLQJ  
8VLQJ KHKREV      
8VLQJKR SOD HV     
+RZWRRSHUDWHWKHRYHQ   
*HQHUDO LQIRUPD LRQ RQ EDNLQJ URDV LQJ DQG
JULOOLQJ       
+RZ RRSHUD H KHHOHF ULFRYHQ  
2SHUD LQJPRGHV     
8VLQJ KHRYHQFORFN    
+RZ RRSHUD H KHJULOO    
&RRNLQJ LPH DEOH     
&RRNLQJ LPH DEOHIRUJULOOLQJ   

0DLQWHQDQFHDQGFDUH    
*HQHUDOLQIRUPD LRQ     
&OHDQLQJ KHKRE     
&OHDQLQJ KHRYHQ     
5HPRYLQJ KHRYHQGRRU    
5HPRYLQJ KHGRRULQQHUJODVV  
5HSODFLQJ KHRYHQODPS    
*DVMH FOHDQLQJSURFHGXUH   

7URXEOHVKRRWLQJ     

6HUYLFH&HQWUHV     

:DUUDQW\      

,QVWDOOHUVGHWDLOV    





3DJH
*HQHUDO,QIRUPDWLRQ
 6SODVKEDFN
 %XUQHUSOD H
 &RQ UROSDQHO
 7UD\
 )URQ GRRU
 KDQGOH
 )RR 
 6 RUDJHFRPSDU PHQ 
 6KHOISRVL LRQV
 :LUHVKHOI

2YHUYLHZ
7KHPDQXIDF XUHUV ULYHVIRUFRQ LQXRXVLPSURYHPHQ )RU KLVUHDVRQ HFKQLFDO
VSHFLILFD LRQV H[ DQGLOOXV UD LRQVLQ KLVPDQXDODUHVXEMHF  RFKDQJHZL KRX 
QR LFH

)LJXUHVLQ KLVPDQXDODUHVFKHPD LFDQGPD\QR PD FK\RXUDSSOLDQFHH[DF O\
 1RUPDOEXUQHU)URQ OHI 
 1RUPDOEXUQHU5HDUOHI 
 :DUQLQJODPS
 +R SOD H0LGGOHIURQ 
 +R SOD H0LGGOHUHDU
 5DSLGEXUQHU5HDUULJK 
 $X[LOLDU\EXUQHU)URQ ULJK 
 7KHUPRV D ODPS
 )XQF LRQNQRE
 7KHUPRV D NQRE
 0HFKDQLFDO LPHU

3DJH
7HFKQLFDOVSHFLILFD LRQVPD\EH
FKDQJHGZL KRX SULRUQR LFH R
LPSURYH KHTXDOL \RI KH
DSSOLDQFH
)LJXUHVLQ KLVPDQXDODUH
VFKHPD LFDQGPD\QR PD FK\RXU
DSSOLDQFHH[DF O\
9DOXHV V D HG RQ KH DSSOLDQFH
ODEHOV RU LQ KH GRFXPHQ D LRQ
DFFRPSDQ\LQJ L  DUH RE DLQHG LQ
ODERUD RU\ FRQGL LRQV LQ
DFFRUGDQFH ZL K UHOHYDQ 
V DQGDUGV 'HSHQGLQJ RQ
RSHUD LRQDO DQG HQYLURQPHQ DO
FRQGL LRQVRI KHDSSOLDQFH KHVH
YDOXHVPD\YDU\
*(1(5$/
([ HUQDOGLPHQVLRQVKHLJK ZLG KGHS K PPPPPP
9RO DJHIUHTXHQF\ 9a+]
7R DOSRZHUFRQVXPS LRQ N:
)XVH PLQ$
&DEOH \SHVHF LRQ +99)*[PP
&DEOHOHQJ K PD[P
*DV \SH/LTXLG3H UROHXP*DV/3*SUHVVXUH *N3D
7R DOJDVFRQVXPS LRQ N:
&RQYHU LQJ KHJDV \SH1D XUDO*DV1*SUHVVXUH *N3D
%851(56
)URQ OHI  1RUPDOEXUQHU
3RZHU :
5HDUOHI  1RUPDOEXUQHU
3RZHU :
0LGGOHIURQ  +RWSODWH
'LPHQVLRQ PP
3RZHU :
0LGGOHUHDU +RWSODWH
'LPHQVLRQ PP
3RZHU :
29(1*5,//
0DLQRYHQ *DVRYHQ
,QQHUODPS ±:
*ULOOSRZHUFRQVXPS LRQ N:
5HDUULJK  5DSLGEXUQHU
3RZHU :
)URQ ULJK  $X[LOLDU\EXUQHU
3RZHU :
7KH DSSOLDQFH LV QR  LQ HQGHG R EH
RSHUD HG E\ PHDQV RI DQ H[ HUQDO
LPHURUVHSDUD HUHPR HFRQ URO
7HFKQLFDOVSHFLILFDWLRQV

3DJH
8VHUPDQXDO
2YHQWUD\
8VHG IRU SDV ULHV IUR]HQ IRRGV DQG ELJ
URDV V
6SODVKEDFNDVVHPEO\
3DFNDJHFRQWHQWV
,QMHFWRUWDEOH
$FFHVVRULHVVXSSOLHGFDQYDU\
GHSHQGLQJRQ KHDSSOLDQFHPRGHO
1R DOODFFHVVRULHVLQ KHXVHU
PDQXDOPD\EHRQ\RXUDSSOLDQFH
,QIRUPD LRQRQ KHHQHUJ\ODEHORIHOHF ULFDORYHQVLVJLYHQLQDFFRUGDQFHZL K KH(1V DQGDUG
7KRVHYDOXHVDUHGH HUPLQHGXQGHUV DQGDUGORDGZL KER RP RSKHD HURUIDQDVVLV HGKHD LQJLI
DQ\IXQF LRQV
3RVLWLRQKRE RQH :
)URQWOHIW
:
5HDUOHIW
:
5HDUULJKW
:
5HDUULJKW
*DVW\SH*DV
SUHVVXUH
*N3D    
*N3D    
:LUHJULOO
8VHGIRUURDV LQJDQGIRUSODFLQJIRRG REH
EDNHG URDV HG RU FRRNHG LQ FDVVHUROH
GLVKHVRQ R KHGHVLUHGUDFN
3ODFLQJ WKH ZLUH JULOO DQG WUD\ RQWR WKH
ZLUHUDFNVSURSHUO\
,  LV LPSRU DQ  R SODFH KH JULOO DQGRU UD\
RQ R KHUDFNSURSHUO\
6OLGH KHJULOORU UD\EH ZHHQ KHUDLOVDQG
PDNH VXUH KD  L  LV SURSHUO\ IL HG EHIRUH
SODFLQJ DQ\ IRRG RQ L  3OHDVH VHH KH
IROORZLQJILJXUH
6SODVKEDFNDVVHPEO\

x 3OHDVH DNHVSODVKEDFNDQGSDFNDJHRI
VFUHZVQX VILOOHUVIURPZDUPHUGUDZHU
x 3ODFHVSODVKEDFNDFFRUGLQJ R KH
GUDZLQJSODFHQX LQVLGHVSODVKEDFNRQ
R KHKROHVFUHZ KHVSODVKEDFN R KH
EXUQHUVSOD HZL KVFUHZIURPXQGHU
EXUQHUSOD H
6SODVKEDFN
6FUHZ
%XUQHUSOD H
1X 

,I\RXGRQ ZDQ  RLQV DOOVSODVKEDFNRQ R
\RXUFRRNHU\RXFDQSODFHILOOHUVLQ KH
KROHV'RQR RYHU LJK HQ KHVFUHZVDV
GDPDJH R KHKRERUVSODVKEDFNFRXOG
RFFXU

3DJH
,PSRUWDQWVDIHW\LQVWUXFWLRQV
7KLVVHF LRQFRQ DLQVVDIH \LQV UXF LRQV KD 
ZLOOKHOS\RXDYRLGULVNRILQMXU\DQGGDPDJH
$OOZDUUDQ LHVZLOOEHFRPHYRLGLI\RXGRQR 
IROORZ KHVHLQV UXF LRQV
*HQHUDOVDIHW\
x 7KLV DSSOLDQFH LV QRW LQWHQGHG IRU XVH
E\ SHUVRQV LQFOXGLQJ  FKLOGUHQ ZLWK
UHGXFHG SK\VLFDO VHQVRU\ RU PHQWDO
FDSDELOLWLHV RU ODFN RI H[SHULHQFH DQG
NQRZOHGJH XQOHVV WKH\ KDYH EHHQ
JLYHQ VXSHUYLVLRQ RU LQVWUXFWLRQ
FRQFHUQLQJWKHXVHRIWKHDSSOLDQFHE\
DSHUVRQUHVSRQVLEOHIRUWKHLUVDIHW\
x &KLOGUHQ VKRXOG EH VXSHUYLVHG WR
HQVXUH WKDW WKH\ GR QRW SOD\ ZLWK WKH
DSSOLDQFH
x &RQQHF  KH DSSOLDQFH R DQ HDU KHG
RX OH OLQH SUR HF HG E\ D IXVH RI VXL DEOH
FDSDFL \+DYH KHHDU KLQV DOOD LRQPDGH
E\ D TXDOLILHG HOHF ULFLDQ 2XU FRPSDQ\
VKDOOQR EHOLDEOHIRUDQ\SUREOHPVDULVLQJ
GXH R KH DSSOLDQFH QR  EHLQJ HDU KHG LQ
DFFRUGDQFHZL K KHORFDOUHJXOD LRQV
x ,I KH VXSSO\ FRUG LV GDPDJHG L  PXV  EH
UHSODFHG E\ KH PDQXIDF XUHU L V VHUYLFH
DJHQ RU VLPLODU TXDOLILHGSHUVRQVLQ RUGHU
RDYRLGDKD]DUG
x 'R QR  RSHUD H KH DSSOLDQFH LI L  LV
GHIHF LYHRUKDVDQ\YLVLEOHGDPDJH
x 'R QR  FDUU\ RX  DQ\ UHSDLUV RU
PRGLILFD LRQV RQ KH DSSOLDQFH +RZHYHU
VRPH LVVXHV PD\ UHPHGLHG KD  GR QR 
UHTXLUH DQ\ UHSDLUV RU PRGLILFD LRQV 6HH
7URXEOHVKRRWLQJ
x 1HYHU ZDVK GRZQ KH DSSOLDQFH ZL K
ZD HU7KHUHLV KHULVNRIHOHF ULFVKRFN
x 1HYHU XVH KH DSSOLDQFH ZKHQ \RXU
MXGJPHQ  RU FRRUGLQD LRQ LV LPSDLUHG E\
KHXVHRIDOFRKRODQGRUGUXJV
x 7KHDSSOLDQFHPXV EHGLVFRQQHF HGIURP
KHPDLQVGXULQJLQV DOOD LRQPDLQ HQDQFH
FOHDQLQJDQGUHSDLUSURFHGXUHV
x %H FDUHIXO ZKHQ XVLQJ DOFRKROLF GULQNV LQ
\RXU GLVKHV $OFRKRO HYDSRUD HV D  KLJK
HPSHUD XUHVDQGPD\FDXVHDILUHVLQFHL 
FDQLJQL HZKHQL FRPHVLQ RFRQ DF ZL K
KR VXUIDFHV
x 'R QR  KHD  FORVHG LQV DQG JODVV MDUV LQ
KH RYHQ 7KH SUHVVXUH KD  ZRXOG EXLOG
XSLQ KH LQMDUPD\FDXVHL  REXUV 
x 'R QR  SODFH DQ\ IODPPDEOH PD HULDOV
FORVH R KH DSSOLDQFH DV KH VLGHV PD\
EHFRPHKR GXULQJXVH
x 'R QR  SODFH EDNLQJ UD\V GLVKHV RU
DOXPLQLXP IRLO GLUHF O\ RQ R KH ER RP RI
KH RYHQ 7KH KHD  DFFXPXOD LRQ PLJK 
GDPDJH KHER RPRI KHRYHQ
x .HHS DOO YHQ LOD LRQ VOR V FOHDU RI
REV UXF LRQV
x 7KH DSSOLDQFH PD\ EH KR  ZKHQ L  LV LQ
XVH 1HYHU RXFK KH KR  EXUQHUV LQQHU
VHF LRQVRI KHRYHQKHD HUVH F
x $OZD\V XVH KHD  UHVLV DQ  RYHQ JORYHV
ZKHQ SX LQJ LQ RU UHPRYLQJ GLVKHV IURP
KHKR RYHQ
x 'R QR  XVH KH DSSOLDQFH ZL K KH IURQ 
GRRUJODVVUHPRYHGRUFUDFNHG
x 7KH UHDU VXUIDFH RI KH RYHQ JH V KR 
ZKHQL LVLQXVH0DNHVXUH KD  KHJDV
HOHF ULFDO FRQQHF LRQ GRHV QR  FRPH LQ R
FRQ DF  ZL K KH UHDU VXUIDFH DV
FRQQHF LRQVPD\JH GDPDJHG
x 'RQR  UDS KHPDLQV FDEOH EH ZHHQ KH
RYHQ GRRU DQG IUDPH DQG GR QR  URX H L 
RYHU KR  VXUIDFHV DV KH FDEOH LQVXOD LRQ
PD\PHO DQGFDXVHDILUHDVDUHVXO RID
VKRU FLUFXL 
x 0DNH VXUH KD  KH IXQF LRQ NQREV DUH
VZL FKHGRIIDI HUHYHU\XVH
x :KHQXVLQJ*DVHQVXUH KD  KHURRPLV
ZHOOYHQ LOD HG
x $OZD\V NHHS FKLOGUHQ DQG LQILUP SHUVRQV
DZD\IURP KHDSSOLDQFHZKHQL LVLQXVH
x 2QO\XVH KHDSSOLDQFHIRUSUHSDULQJIRRG
x 8VH D GHHS SDQ ODUJH HQRXJK R FRYHU
KHDSSURSULD HEXUQHU
x $OZD\VGU\IRRG KRURXJKO\EHIRUHSODFLQJ
L LQKR RLORUID )UR]HQIRRGLQSDU LFXODU
ZLOOVSL DQGVSOD HULIDGGHG RRTXLFNO\
x 1HYHUILOO KHSDQPRUH KDQRQH KLUGIXOO
RIID RURLO
x 1HYHUKHD ID RUIU\ZL KDOLGRQ KHSDQ
x 'R QR  IU\ RR PXFK IRRG D  RQFH 7KLV
ORZHUV KH HPSHUD XUH RI KH RLO RU ID 
DQGUHVXO VLQID \IRRGV
x 'R QR  OHDYH KR  ID  RU RLO XQD HQGHG ,I
RYHUKHD LQJRFFXUV KHVHFRXOGFD FKILUH

3DJH
x 'RQR XVHRUV RUHLQIODPPDEOHSURGXF V
DOFRKRO SH URO EHQ]HQH H F QHDU KH
DSSOLDQFHDV KHVHSRVHDILUHULVN

6DIHW\IRUFKLOGUHQ
x 3DFNDJLQJ PD HULDOV DUH GDQJHURXV R
FKLOGUHQ .HHS SDFNDJLQJ PD HULDOV LQ D
VDIHSODFHRX RIUHDFKRIFKLOGUHQ
x (OHF ULFDO DQGRU JDV SURGXF V DUH
GDQJHURXV R FKLOGUHQ .HHS FKLOGUHQ
DZD\ IURP KH DSSOLDQFH ZKHQ L  LV
RSHUD LQJ DQG GR QR  DOORZ KHP R SOD\
ZL K KHDSSOLDQFH
x $FFHVVLEOH SDU V RI KH DSSOLDQFH ZLOO
EHFRPHKR ZKLOV  KHDSSOLDQFHLVLQXVH
&KLOGUHQ VKRXOG EH NHS  DZD\ XQ LO KH
DSSOLDQFHKDVFRROHGGRZQ
x &$87,21 $FFHVVLEOH SDU V PD\ EH KR 
ZKHQ KH JULOO LV LQ XVH <RXQJ FKLOGUHQ
VKRXOGEHNHS DZD\
x 'R QR  SODFH DQ\ L HPV DERYH KH
DSSOLDQFH KD FKLOGUHQPD\UHDFKIRU
x :KHQ KH GRRU LV RSHQ GR QR  ORDG DQ\
KHDY\ REMHF  RQ L  DQG GR QR  DOORZ
FKLOGUHQ RVL RQL , PD\RYHU XUQRU KH
GRRUKLQJHVPD\EHGDPDJHG
x 7KHSDFNDJLQJPD HULDOVDUHDGDQJHUIRU
FKLOGUHQ .HHS KH SDFNDJLQJ PD HULDOV
DZD\ IURP FKLOGUHQ 3OHDVH HQVXUH KD 
KHSDFNDJLQJPD HULDOLVGLVSRVHGRILQD
UHVSRQVLEOHPDQQHU

6DIHW\ZKHQZRUNLQJZLWKJDV
x $Q\ ZRUN FDUULHG RX  RQ JDV HTXLSPHQ 
DQG V\V HPV PD\ RQO\ EH GRQH E\
DX KRULVHG TXDOLILHG SHUVRQV ZKR DUH
UHJLVWHUHG/3**DVLQVWDOOHUV
x 3ULRU R LQV DOOD LRQ HQVXUH KD  KH ORFDO
GLV ULEX LRQ FRQGL LRQV QD XUH RI KH JDV
DQG JDV SUHVVXUH DQG KH DGMXV PHQ  RI
KHDSSOLDQFHDUHFRPSD LEOH
x 7KLV DSSOLDQFH VKDOO EH LQV DOOHG DQG
FRQQHF HG LQ DFFRUGDQFH ZL K FXUUHQ 
LQV DOOD LRQUHJXOD LRQV
'$1*(5 5LVN RI H[SORVLRQ DQG
SRLVRQLQJ 3X RX DOOQDNHGIODPHV
DQGGRQR VPRNHV ULNHPD FKHVRU
GRDQ\ KLQJ KD FRXOGFDXVHLJQL LRQ
'RQR RSHUD HDQ\HOHF ULFVZL FKHV
HJ OLJK  VZL FK 79 FRPSX HU
FRRNHU RU GRRU EHOO 'R QR  XVH D
HOHSKRQHRUPRELOHSKRQH
x *DV DSSOLDQFHV DQG V\V HPV PXV  EH
UHJXODUO\ FKHFNHG IRU SURSHU IXQF LRQLQJ
7KHUHJXOD RUKRVHDQGL VFODPSPXV EH
FKHFNHG UHJXODUO\ DQG UHSODFHG ZL KLQ KH
SHULRGVUHFRPPHQGHGE\L VPDQXIDF XUHU
RUZKHQQHFHVVDU\
x &OHDQ KH JDV EXUQHUV UHJXODUO\ 7KH
IODPHVVKRXOGEHEOXHDQGEXUQHYHQO\
x *RRG FRPEXV LRQ LV UHTXLUHG LQ JDV
DSSOLDQFHV ,Q FDVH RI LQFRPSOH H
FRPEXV LRQ FDUERQ PRQR[LGH &2 PLJK 
GHYHORS&DUERQPRQR[LGHLVDFRORXUOHVV
RGRXUOHVVDQGYHU\ R[LFJDVZKLFKKDVD
OH KDOHIIHF HYHQLQYHU\VPDOOGRVHV
x 5HTXHV LQIRUPD LRQDERX JDVHPHUJHQF\
HOHSKRQH QXPEHUV DQG VDIH \ PHDVXUHV
IURP \RXU ORFDO JDV SURYLGHU LQ FDVH RI D
JDVVPHOO

,QWKHHYHQWRIDSDQILUH
x 6ZL FKRII KH*DVVXSSO\
x 6PR KHU KH IODPHV ZL K D EODQNH  RU
GDPSFOR K
x %XUQV DQG LQMXULHV DUH XVXDOO\ FDXVHG E\
SLFNLQJ XS KH EXUQLQJ SDQ DQG UXVKLQJ
RX VLGHZL KL 
x 'R 127 XVH ZDWHU WR H[WLQJXLVK DQ RLO
RUIDWILUH
6$9(7+(6(,16758&7,216
 3DU LFXODU D HQ LRQ VKDOO EH JLYHQ R KH
UHOHYDQ  UHTXLUHPHQ V UHJDUGLQJ
YHQ LOD LRQ6HH%HIRUHLQVWDOODWLRQ

&$87,21 7KH XVH RI JDV FRRNLQJ
DSSOLDQFHV UHVXO V LQ KH SURGXF LRQ RI
KHD DQGPRLV XUHLQ KHURRPLQZKLFKL LV
LQV DOOHG (QVXUH KD  KH NL FKHQ LV ZHOO
YHQ LOD HG NHHS QD XUDO YHQ LOD LRQ KROHV
RSHQ RU LQV DOO D PHFKDQLFDO YHQ LOD LRQ
GHYLFH PHFKDQLFDO H[ UDF RU KRRG
3URORQJHG LQ HQVLYH XVH RI KH DSSOLDQFH
PD\ FDOO IRU DGGL LRQDO YHQ LOD LRQ IRU
H[DPSOH LQFUHDVLQJ KH OHYHO RI KH
PHFKDQLFDOYHQ LOD LRQZKHUHSUHVHQ 

3DJH
,I\RXVPHOOJDV
x 7XUQRIIDOOYDOYHVRQJDVDSSOLDQFHVDQG
JDV PH HU D  KH PDLQ FRQ URO YDOYH
XQOHVVL VLQDFRQILQHGVSDFHRUFHOODU
x ([ LQJXLVKDOOQDNHGIODPHV
x 'RQR RSHUD HDQ\HOHF ULFDODSSOLDQFHV
x 9HQ LOD H KH DUHD 2SHQ GRRUV DQG
ZLQGRZV
x &KHFN IRU OHDNV &KHFN DOO XEHV DQG
FRQQHF LRQVIRU LJK QHVV
x ,I RGRXU SHUVLV V FRQ DF   \RXU QHDUHV 
'HI\6HUYLFH&HQ UHIRUDVVLV DQFH
x ,I\RXV LOOVPHOOJDVOHDYH KHSURSHU \
x :DUQ KHQHLJKERUV
x &DOO KH ILUHEULJDGH 8VH D HOHSKRQH
RX VLGH KHKRXVH
x ,I\RXKDYHGRRURUJD HV KD DUHVHFXUHG
E\DQHOHF ULFORFNRUHQ U\SKRQHSOHDVH
RSHQ KHVHPDQXDOO\
x 'RQR UHHQ HU KHSURSHU \XQ LO\RX DUH
ROGL LVVDIH RGRVR

$FWLRQWREHWDNHQLQWKH HYHQWRIDEXUQ
EDFN
x ,Q KH HYHQ  RI D EXUQ EDFN ZKHUH KH
IODPHEXUQVEDFNLQ R KHMH LPPHGLD HO\
XUQRII KHFRQ URO R KHDIIHF HGEXUQHU
x :DL DIHZPLQX HVDQGUHOLJK  KHEXUQHU
LQ KHQRUPDOPDQQHU
x ,I KHEXUQEDFNRFFXUVDJDLQ XUQRII KH
FRQ URO NQRE R KH DIIHF HG EXUQHU DQG
FRQVXO  KH QHDUHV  'HI\ VHUYLFH
HFKQLFLDQZKRZLOODGYLVH\RX

9HQWLODWLRQ
x 5RRP YHQ LOD LRQ LV YL DO IRU KH HIILFLHQ 
SHUIRUPDQFH RI KH DSSOLDQFH DQG IRU KH
VDIH \ RI KH RFFXSDQ V LQ KH URRP LQ
ZKLFK KHDSSOLDQFHLVLQV DOOHG
,QWHQGHGXVH
7KLVDSSOLDQFHLVGHVLJQHGIRUGRPHV LFXVH
&RPPHUFLDOXVHZLOOYRLG KHZDUUDQ HH

&$87,21 7KLV DSSOLDQFH LV IRU FRRNLQJ
SXUSRVHVRQO\, PXV QR EHXVHGIRUR KHU
SXUSRVHV

7KLV DSSOLDQFH VKRXOG QR  EH XVHG IRU
ZDUPLQJSOD HVXQGHU KHJULOOGU\LQJ RZHOV
GLVKFOR KVH FE\KDQJLQJ KHPRQ KHRYHQ
GRRU KDQGOHV 7KLV SURGXF  VKRXOG DOVR QR 
EHXVHGIRUURRPKHD LQJSXUSRVHV

7KHPDQXIDF XUHU VKDOOQR EHOLDEOHIRU DQ\
GDPDJHFDXVHGE\LPSURSHUXVHRUKDQGOLQJ
HUURUV

6DIHW\ZKHQZRUNLQJZLWKHOHFWULFLW\
'HIHF LYH HOHF ULF HTXLSPHQ  LV RQH RI KH
PDMRUFDXVHVRIKRXVHILUHV

x $Q\ ZRUN RQ HOHF ULFDO HTXLSPHQ  DQG
V\V HPV VKRXOG RQO\ EH FDUULHG RX  E\
DX KRUL]HGDQGTXDOLILHGSHUVRQV
x ,Q FDVH RI DQ\ GDPDJH VZL FK RII KH
DSSOLDQFH DQG GLVFRQQHF  L  IURP KH
PDLQV 7R GR KLV XUQ RII KH IXVH D 
KRPH
x (QVXUH KD  KH IXVH UD LQJ LV FRPSD LEOH
ZL K KHDSSOLDQFH
,03257$17
,I KHJDV \SHRI KHDSSOLDQFHLV
FKDQJHG KHQ KH V LFNHU KD  LV
FXUUHQ O\ RQ KH UHDU RI KH
DSSOLDQFH KD  UHDGV ³)DFWRU\
DGMXVWHG IRU /3* JDV´ PXV EH
UHSODFHGE\ KHV LFNHU³$GMXVWHG
IRUQDWXUDOJDV´

7KH QHZ V LFNHU FDQ EH IRXQG LQ
KH JDV MH  NL  VXSSOLHG ZL K KH
DSSOLDQFH
,03257$17
,I KHJDV \SHRI KHDSSOLDQFHLV
FKDQJHG KHQ KH UD LQJ SOD H
KD  VKRZV KH JDV \SH RI KH
XQL PXV DOVREHFKDQJHG

3DJH
,QVWDOODWLRQ
,QV DOOD LRQ LV KH EX\HU¶V UHVSRQVLELOL \ 7KH
PDQXIDF XUHU DFFHS V QR OLDELOL \ IRU KLV
VHUYLFH $Q\ DF LRQ KD  KH PDQXIDF XUHU
KDV R DNH DV D UHVXO  RI DQ HUURQHRXV
LQV DOOD LRQ ZLOO QR  EH FRYHUHG E\ KH
ZDUUDQ \

7KHQHFHVVDU\LQV DOOD LRQLQFOXGLQJJDVDQG
HOHF ULFDO FRQQHF LRQV PXV  EH FDUULHG RX 
E\ TXDOLILHG SHUVRQQHO LQ DFFRUGDQFH ZL K
FXUUHQ  DQG ORFDO UHJXOD LRQV $Q LQV DOOD LRQ
E\ DQ XQTXDOLILHG SHUVRQ PD\ FRQV L X H D
KD]DUG

,QV DOOD LRQV FDUULHG RX  E\ XQDX KRUL]HG
SHUVRQVZLOOYRLG KHZDUUDQ \

7KH PDQXIDFWXUHU VKDOO QRW EH KHOG
UHVSRQVLEOH IRU LQMXU\ WR SHUVRQV RU
GDPDJHVDULVLQJIURPSURFHGXUHVFDUULHG
RXW E\ XQDXWKRUL HG SHUVRQV RU GXH WR
QRQFRPSOLDQFHZLWKWKHVHSURYLVLRQV
3UHSDUD LRQRIORFD LRQHOHF ULFDODQG
JDVLQV DOOD LRQ IRU KHDSSOLDQFHIDOOV
XQGHU KHFXV RPHU¶VUHVSRQVLELOL \
'$1*(5 7KH DSSOLDQFH PXV  EH
LQV DOOHG LQ DFFRUGDQFH ZL K DOO ORFDO
JDVDQGRUHOHF ULFDOUHJXOD LRQV
'$1*(5 3ULRU RLQV DOOD LRQYLVXDOO\
FKHFN LI KH DSSOLDQFH KDV DQ\
GHIHF V RQ L  ,I VR GR QR  KDYH L 
LQV DOOHG 'DPDJHG DSSOLDQFHV DUH D
VDIH \ULVN
x 7KHDSSOLDQFHFDQEH XVHG ZL K FDELQH V
RQ HL KHU VLGH EX  LQ RUGHU R KDYH D
PLQLPXP GLV DQFH RI PP DERYH
KR SOD H OHYHO DOORZ D VLGH FOHDUDQFH RI
PP EH ZHHQ KH DSSOLDQFH DQG DQ\
ZDOOSDU L LRQRU DOOFXSERDUG
x 7KHDSSOLDQFHFDQDOVREHXVHGLQDIUHH
V DQGLQJ SRVL LRQ $OORZ D PLQLPXP
GLV DQFH RI  PP DERYH KH KRE
VXUIDFH
x  ,I D FRRNHU KRRG LV R EH LQV DOOHG
DERYH KH FRRNHU UHIHU R FRRNHU KRRG
PDQXIDF XUHU LQV UXF LRQV UHJDUGLQJ
LQV DOOD LRQKHLJK PLQPP
x 0RYLQJ RI KH DSSOLDQFH LV PRV  HDVLO\
DFKLHYHGE\OLI LQJ KHIURQ DVLQGLFD HGLQ
KH GLDJUDPV RYHUOHDI 2SHQ KH RYHQ
GRRU VXIILFLHQ O\ R DOORZ D FRPIRU DEOH
DQGVDIHJULSRQ KHXQGHUVLGHRI KHRYHQ
URRIDYRLGFDXVLQJDQ\GDPDJH R KHJULOO
HOHPHQ RUDQ\LQ HUQDOSDU VRI KHRYHQ
'R QR  PRYH E\ SXOOLQJ RQ KH GRRU
KDQGOHRUNQREV0RYH KHDSSOLDQFHDEL 
D  D LPH XQ LO SODFHG LQ KH SRVL LRQ
UHTXLUHG
%HIRUHLQVWDOODWLRQ
3OHDVHQR H KHDSSOLDQFHLVSDFNHGZL KRX 
KH IHH  IL HG KHUHIRUH SOHDVH HQVXUH KH
IHH  DUH IL HG DV SHU KH LQV UXF LRQV VHH
,QV DOOD LRQ DQG FRQQHF LRQ SDJH  EHIRUH
KHDSSOLDQFHLVSODFHGLQL VILQDOSRVL LRQ
7R HQVXUH KD  FUL LFDO DLU JDSV DUH
PDLQ DLQHG XQGHU KH DSSOLDQFH ZH
UHFRPPHQG KD  KLV DSSOLDQFH LV PRXQ HG
RQDVROLGEDVHDQG KD  KHIHH GRQR VLQN
LQ RDQ\FDUSH RUVRI IORRULQJ
7KH NL FKHQ IORRU PXV  EH DEOH R FDUU\ KH
ZHLJK  RI KH DSSOLDQFH SOXV KH DGGL LRQDO
ZHLJK RIFRRNZDUHEDNHZDUHDQGIRRG
7KH DSSOLDQFH FRUUHVSRQGV R GHYLFH FODVV
 LH L  PD\ EH SODFHG  ZL K KH UHDU DQG
RQHVLGH RNL FKHQZDOOVNL FKHQIXUQL XUHRU
HTXLSPHQ RIDQ\VL]H7KHNL FKHQIXUQL XUH
RUHTXLSPHQ RQ KHR KHUVLGHPD\RQO\EH
RI KHVDPHVL]HRUVPDOOHU

3DJH
5RRPVL H 9HQWLODWLRQ
RSHQLQJ
6PDOOHU KDQP PLQFP
P RP PLQFP
*UHD HU KDQP QR UHTXLUHG
,Q KHFHOODURUEDVHPHQ  PLQFP
,I KHUH LV QR ZLQGRZ RU GRRU DYDLODEOH IRU
URRP YHQ LOD LRQ H[ UD YHQ LOD LRQ PXV  EH
LQV DOOHG

7KH DSSOLDQFH PD\ EH ORFD HG LQ D NL FKHQ
NL FKHQGLQHURUDEHGVL LQJURRPEX QR LQ
D URRP FRQ DLQLQJ D ED K RU VKRZHU 7KH
DSSOLDQFH PXV  QR  EH LQV DOOHG LQ D EHG
VL LQJURRPRIOHVV KDQP

'RQR LQV DOO KLVDSSOLDQFHLQDURRPEHORZ
JURXQGOHYHOXQOHVVL LVRSHQ RJURXQGOHYHO
RQD OHDV RQHVLGH
$Q\ NL FKHQ IXUQL XUH QH[  R KH DSSOLDQFH
PXV EHKHD UHVLV DQ &PLQ

7KLV DSSOLDQFH XVHV /3* /LTXLG
SHWUROHXPRUERWWOHJDV
6DIHW\FKDLQ
x 7KHDSSOLDQFHPXV EHVHFXUHGDJDLQV 
RYHUEDODQFLQJE\XVLQJ KHVXSSOLHG ZR
VDIH \FKDLQVRQ\RXURYHQ
x )DV HQKRRNE\XVLQJDSURSHUZDOO
PRXQ SOXJLQ KHNL FKHQZDOODQG
FRQQHF VDIH \FKDLQ R KHKRRNYLD
KHORFNLQJPHFKDQLVP
 6 DELOL \KRRN
 /RFNLQJPHFKDQLVP
 6DIH \FKDLQVXSSOLHGDQGPRXQ HG R
RYHQ
 )LUPO\IL[FKDLQ RFRRNHUUHDU
 5HDURIFRRNHU
 .L FKHQZDOO
6WDELOLW\FKDLQWREHDVVKRUWDV
SUDFWLFDEOHWRDYRLGRYHQWLOWLQJ
IRUZDUGDQGGLDJRQDODQGWR
DYRLGRYHQVLGHWLOWLQJ
&RRNHUV DELOL \FKDLQIRUFRRNHUVQR 
GHVLJQHGZL KEUDFNH HQJDJHPHQ VOR 
7KLV DSSOLDQFH UHTXLUHV DQ RSHUDWLQJ
SUHVVXUH RI  N3D $ VXLWDEOH /3*
UHJXODWRU WKDW FRPSOLHV ZLWK WKH
UHTXLUHPHQWV RI 6$16  PXVW EH
XVHG7KHPDQXIDFWXUHUDQGWKHVHOOHUGR
QRWDFFHSWUHVSRQVLELOLW\IRUDQ\GDPDJH
GXH WR LQFRUUHFW LQVWDOODWLRQ RU JDV
FRQQHFWLRQ

*DVER OHV VKRXOGEH ORFD HGRX GRRUVLQD
VXL DEOH YHQ LOD HG ORFNXS 7KH FRQQHF LQJ
KRVHVKRXOGQR H[FHHGFPLQOHQJ K

5RRPYHQWLODWLRQ
$OO URRPV UHTXLUH D ZLQGRZ KD  FDQ EH
RSHQHGRU HTXLYDOHQ  DQGVRPHURRPV ZLOO
UHTXLUHDSHUPDQHQ YHQ LQDGGL LRQ

$LU IRU FRPEXV LRQ LV GUDZQ IURP KH URRP
DQG KH H[KDXV  JDVHV DUH HPL HG GLUHF O\
LQ R KH URRP KHUHIRUH JRRG URRP
YHQ LOD LRQLVHVVHQ LDOIRU KHVDIHRSHUD LRQ
RI\RXUDSSOLDQFH

3DJH
,PSRUWDQWLQIRUPDWLRQIRUWKHLQVWDOOHU

7KLVDSSOLDQFHPD\RQO\EHLQVWDOOHGE\D
UHJLVWHUHG /3* *DV LQVWDOOHU UHJLVWHUHG
ZLWK WKH /LTXHILHG 3HWUROHXP *DV
$VVRFLDWLRQRI6RXWKHUQ$IULFD

7KH DSSOLDQFH PXVW EH LQVWDOOHG LQ
DFFRUGDQFH ZLWK WKH UHTXLUHPHQWV RI
6$16  RU 6$16  DQG DQ\ ILUH
GHSDUWPHQW UHJXODWLRQV DQGRU ORFDO
E\ODZVDSSOLFDEOH WRWKH DUHD,I LQGRXEW
FKHFN ZLWK WKH UHOHYDQW DXWKRULW\ EHIRUH
XQGHUWDNLQJWKHLQVWDOODWLRQ

8SRQ FRPSOH LRQ RI KH LQV DOOD LRQ \RX DUH
UHTXLUHG R IXOO\ H[SODLQ DQG GHPRQV UD H R
KH XVHU KH RSHUD LRQDO GH DLOV DQG VDIH \
SUDF LFHVDSSOLFDEOH R KHDSSOLDQFHDQG KH
LQV DOOD LRQLQFOXGLQJ

D 7KH SRVL LRQ RI KH LVROD LRQ RU VKX RII
YDOYH LQ KH JDV VXSSO\ OLQH R KH
DSSOLDQFH
E7KHUHTXLUHPHQ VIRUVDIHRSHUD LRQRI KH
DSSOLDQFH

1RWH7KLV DSSOLDQFH LV VXSSOLHG H[
IDFWRU\ ZLWK MHWV DQG DLU VHWWLQJV IRU XVH
ZLWK/3*JDVRQO\

6DIHW\FRPSOLDQFHZLWKORFDO
UHTXLUHPHQWV

,QVWDOOHU¶V GHWDLOV DUH WR EH ILOOHG LQ RQ
SDJHRIWKLVERRN

7HPSRUDU\LQVWDOODWLRQ

)OH[LEOH KRVH FRQQHF LRQ IURP KH JDV
DSSOLDQFH R KHF\OLQGHUFDQEHPDGH
(QVXUH KD  SLSH FODPSV DUH LJK HQHG
FRUUHF O\DQGDUHRIDJRRGTXDOL \
x )OH[LEOHKRVH1R VXSSOLHG
$Q\ KRVH KD  LV XVHG R FRQQHF  KH
V RYH R KHJDVV\V HPVKDOOFRPSO\ZL K
6$16RU%6
x *DVF\OLQGHU1R VXSSOLHG
)RU EHV  UHVXO V ZH UHFRPPHQG KD  JDV
F\OLQGHUVZL KDPLQLPXPFDSDFL \RINJ
EHXVHG
x 5HJXODWRU1R VXSSOLHG
$  N3D /3* JDV UHJXOD RU ZKLFK
FRPSOLHVZL K6$16PXV EHXVHG

3HUPDQHQWLQVWDOODWLRQ

,PSRUWDQWLQIRUPDWLRQIRUWKHXVHU

7KLVDSSOLDQFHPD\RQO\EHLQVWDOOHGE\D
UHJLVWHUHG/3*DVLQVWDOOHU$OOUHJLVWHUHG
LQVWDOOHUVDUHLVVXHGZLWKDFDUGFDUU\LQJ
WKHLUUHJLVWUDWLRQQXPEHU

$VN WR EH VKRZQ WKLV FDUG EHIRUH
DOORZLQJ WKH LQVWDOODWLRQ  WR FRPPHQFH
DQG PDNH D QRWH RI WKH LQVWDOOHU 4&&
QXPEHURQSDJHRIWKLVERRN

8SRQ FRPSOH LRQ  RI KH LQV DOOD LRQ KH
LQV DOOHULVUHTXLUHG RH[SODLQ KHRSHUD LRQDO
GH DLOV RI KH DSSOLDQFH RJH KHU ZL K KH
VDIH \LQV UXF LRQV<RXZLOOEHDVNHG RVLJQ
DFFHS DQFH RI KH LQV DOOD LRQ DQG EH
SURYLGHG ZL K D FRPSOH LRQ FHU LILFD H <RX
VKRXOG RQO\ VLJQ IRU DFFHS DQFH ZKHQ KH
LQV DOOD LRQLVFRPSOH HG R\RXUVD LVIDF LRQ

)DLOXUH WR FRPSO\ ZLWK WKH DERYH ZLOO
UHQGHUWKHZDUUDQW\LQYDOLG

1RWH
<RXU LQYRLFH LV UHTXLUHG LQ WKH HYHQW RI
\RXZLVKLQJWRPDNHDZDUUDQW\FODLP
'RQRWLQVWDOOWKHDSSOLDQFHQH[W
WRUHIULJHUDWRUVRUIUHH HUV
7KHKHD HPL HGE\ KHDSSOLDQFH
ZLOOOHDG RDQLQFUHDVHGHQHUJ\
FRQVXPS LRQRIFRROLQJ
DSSOLDQFHV
0DWHULDOGDPDJH7KHGRRUDQG
RUKDQGOHPXV QR EHXVHGIRU
OLI LQJRUPRYLQJ KHDSSOLDQFH

3DJH
,QVWDOODWLRQDQGFRQQHFWLRQ
7KLV DSSOLDQFH FDQ RQO\ EH LQV DOOHG DQG
FRQQHF HG LQ DFFRUGDQFH ZL K KH V D X RU\
LQV DOOD LRQUXOHV&DUU\ KHDSSOLDQFHZL KD 
OHDV  ZR SHUVRQV 7KH DSSOLDQFH PXV  EH
SODFHG GLUHF O\ RQ KH IORRU ,  PXV  QR  EH
SODFHGRQ RDEDVHRUDSHGHV DO
'$1*(55LVNRIHOHFWULFVKRFN
VKRUWFLUFXLWRUILUHE\
XQSURIHVVLRQDOLQVWDOODWLRQ
7KHDSSOLDQFHPD\EHFRQQHF HG R
KH PDLQV VXSSO\ RQO\ E\ DQ
DX KRUL]HG TXDOLILHG SHUVRQ DQG KH
DSSOLDQFH LV RQO\ JXDUDQ HHG DI HU
FRUUHF LQV DOOD LRQ
'$1*(5 5LVN RI HOHFWULF VKRFN
VKRUW FLUFXLW RU ILUH E\ GDPDJH RI
WKH PDLQV OHDG 7KH PDLQV OHDG
PXV  QR  EH FODPSHG EHQ  RU
UDSSHG RU FRPH LQ R FRQ DF  ZL K
KR  SDU V RI KH DSSOLDQFH ,I KH
PDLQV OHDG LV GDPDJHG L  PXV  EH
UHSODFHGE\DTXDOLILHGHOHF ULFLDQ
'$1*(55LVNRIHOHFWULFVKRFN
%HIRUHV DU LQJDQ\ZRUNRQ KH
HOHF ULFDOLQV DOOD LRQSOHDVH
GLVFRQQHF  KHDSSOLDQFHIURP KH
PDLQVVXSSO\
*DVFRQQHFWLRQ
'$1*(55LVNRIH[SORVLRQRU
SRLVRQLQJE\XQSURIHVVLRQDO
LQVWDOODWLRQ7KHDSSOLDQFHPD\
EHFRQQHF HG R KHJDV
GLV ULEX LRQV\V HPRQO\E\D
UHJLV HUHG/3*LQV DOOHU
'$1*(55LVNRIH[SORVLRQ
%HIRUHV DU LQJDQ\ZRUNRQ KH
JDVLQV DOOD LRQSOHDVHVKX RII
KHJDVVXSSO\
<RXUDSSOLDQFHLVDGMXV HGIRU
/3*JDV
x *DVDGMXV PHQ FRQGL LRQVDQGYDOXHVDUH
V D HGRQODEHOVRURQ \SHODEHO
(OHFWULFDOFRQQHFWLRQ
&RQQHF  KHDSSOLDQFH RDJURXQGHGRX OH 
OLQH SUR HF HG E\ D IXVH RI VXL DEOH FDSDFL \
DV V D HG LQ KH 7HFKQLFDO VSHFLILFD LRQV
DEOH +DYH KH JURXQGLQJ LQV DOOD LRQ PDGH
E\ D TXDOLILHG HOHF ULFLDQ ZKLOH XVLQJ KH
SURGXF  ZL K RU ZL KRX  D UDQVIRUPHU 7KH
PDQXIDF XUHU VKDOO QR  EH KHOG UHVSRQVLEOH
IRUGDPDJHVDULVLQJIURPSURFHGXUHVFDUULHG
RX E\XQDX KRUL]HGSHUVRQV
x &RQQHF LRQ PXV  FRPSO\ ZL K QD LRQDO
UHJXOD LRQV
x 7KHPDLQVVXSSO\GD DPXV FRUUHVSRQG R
KHGD DVSHFLILHGRQ KH \SHODEHORI KH
DSSOLDQFH 7KH UD LQJ SOD H LV HL KHU VHHQ
ZKHQ KH GRRU RU KH ORZHU FRYHU LV
RSHQHG RU L  LV ORFD HG D  KH UHDU ZDOO RI
KHXQL GHSHQGLQJRQ KHXQL  \SH
x 7KH SRZHU FDEOH RI \RXU DSSOLDQFH PXV 
FRPSO\ ZL K KH YDOXHV LQ 7HFKQLFDO
VSHFLILFD LRQV DEOH 6LQJOH3KDVH6XSSO\ 7KUHH3KDVH6XSSO\
'RXEOH3KDVH6XSSO\
%ULGJH
&RQQHFWLQJWKHSRZHUFDEOH
,IL LVQR SRVVLEOH RGLVFRQQHF DOOSROHVLQ
KH VXSSO\ SRZHU D GLVFRQQHF LRQ XQL  ZL K
D OHDV  PP FRQ DF FOHDUDQFH IXVHVOLQH
VDIH \ VZL FKHV FRQ DF RUV PXV  EH
FRQQHF HG DQG DOO KH SROHV RI KLV
GLVFRQQHF LRQ XQL  PXV  EH DGMDFHQ  R QR 
DERYH KH SURGXF  LQ DFFRUGDQFH ZL K ,(&
GLUHF LYHV

)DLOXUH R REH\ KLV LQV UXF LRQ PD\ FDXVH
RSHUD LRQDO SUREOHPV DQG LQYDOLGD H KH
SURGXF  ZDUUDQ \ $GGL LRQDO SUR HF LRQ E\ D
UHVLGXDO FXUUHQ  FLUFXL  EUHDNHU LV
UHFRPPHQGHG
)RUVLQJOHSKDVHFRQQHFWLRQFRQQHF DV
LGHQ LILHGEHORZ
%URZQFDEOH /3KDVH
%OXHFDEOH 11HX UDO
*UHHQ\HOORZFDEOH ( *URXQG
,IDFDEOHLVVXSSOLHGZLWKWKHSURGXFW

3DJH
&RQQHFWLQJWKHJDVKRVH
x +DYH \RXU DSSOLDQFH FRQQHF HG VR KD  L 
ZLOO EH FORVH R KH JDV FRQQHF LRQ
(QVXUH KD  KHUHLVQRJDVOHDNDJH
x *DVER OHVVKRXOGEHORFD HGRX GRRUVLQ
DVXL DEOHYHQ LOD HGORFNXS
x 7KHFRQQHF LQJKRVH REHXVHGPXV QR 
EHORQJHU KDQFPLQOHQJ K
x )L  KH FODPS R KH KRVH 6RDN RQH HQG
RI KH KRVH  PP LQQHU GLDPH HU LQ R
KR  ZD HU IRU  VHFRQGV R VRI HQ KHQ
VOLS KH VRI HQHG HQG RI KH KRVH
FRPSOH HO\RQ R KHVKDUS KRVH LSRI KH
DSSOLDQFH
x 6HFXUH KH KRVH E\ LJK HQLQJ KH KRVH
FODPS
x 5HSHD  KH VDPH SURFHGXUH IRU KH R KHU
HQG RI KH KRVH E\ VHFXULQJ L  R KH
UHJXOD RURQ KHJDVER OH RFRPSOH H KH
JDVF\OLQGHUFRQQHF LRQ
x $OZD\V FKHFN IRU JDV OHDNV DI HU
LQV DOOD LRQDQGZKHQHYHUDQHZRUUHILOOHG
JDVER OHLVXVHGIRU KHILUV  LPH
'$1*(55LVNRIH[SORVLRQDQG
VXIIRFDWLRQ/3*ER OHVPXV QR 
EHV RUHGLQ KHKRXVH
/HDNDJHFRQWURODWWKHFRQQHFWLRQSRLQW
x (QVXUH KD  KH FRQ URONQREV RQ KHKRE
DUHLQ KH2))SRVL LRQ
x 2SHQ KHYDOYHRQ KH*DVER OH
x 8VLQJ D VPDOO SDLQ  EUXVK DSSO\ VRPH
VRDS\ZD HU RDOO KHFRQQHF LRQV
x ,I KHUHLVDOHDNEXEEOHVZLOODSSHDU
x ,I KLVRFFXUVFORVH KHJDVER OHYDOYH
x &KHFN DQG LJK HQ KH FRQQHF LRQV
LPPHGLD HO\
x 5HSHD  KHSURFHGXUH RHQVXUH KD  KHUH
DUHQRIXU KHUOHDNV
$GMXVWLQJWKHIHHWRIRYHQ
/HYHO KH DSSOLDQFH R HQVXUH V DELOL \ RI
FRRNLQJYHVVHOVZKLOV FRRNLQJ
)RU \RXU RZQ VDIH \ SOHDVH HQVXUH KH
SURGXF  LV OHYHO E\ DGMXV LQJ KH IRXU IHH  D 
KH ER RP E\ XUQLQJ OHI  RU ULJK  DQG DOLJQ
OHYHOZL K KHZRUN RS
IHH DUHVXSSOLHG RJH KHUZL K\RXURYHQ
(DFK IRR  PXV  EH LQV DOOHG LQ R L V
UHVSHF LYH VOR  ORFD HG D  KH  FRUQHUV
XQGHU KHRYHQ
6FUHZ KH KUHDG RI KH IRR  E\ XUQLQJ LQ
FORFNZLVH
)RU\RXUVDIH \PDNHVXUH KD DOOIHH DUH
OHYHO ZKHQ VFUHZLQJ LQ $Q RYHQ KD  LV QR 
OHYHOZLOOKDYHDQDGYHUVHHIIHF RQFRRNLQJ
+RVH LS/3*
+RVH LS1*
6DIH \KRVH
2ULQJJDVNH 
&ODPS
x 3XVK KHSURGXF  RZDUGV KHNL FKHQZDOO
 )RR 
 )RR VOR 
&DXWLRQ1HYHUXVHDQDNHGIODPH R
FKHFNIRUJDVOHDNV
'$1*(55LVNRIH[SORVLRQE\
GDPDJHRIWKHVDIHW\WXEH
7KHVDIH \ XEHPXV QR EHFODPSHG
EHQ RU UDSSHGRUFRPHLQ RFRQ DF 
ZL KKR SDU VRI KHDSSOLDQFH

3DJH
8QOHVV KHUHLVDQDEQRUPDO
FRQGL LRQGRQR D HPS  RUHPRYH
KHJDVEXUQHU DSV<RXPXV FDOO
DQDX KRULVHGVHUYLFHDJHQ LIL LV
QHFHVVDU\ RFKDQJH KH DSV
1HZLQMHF RUVKDYH KHLUSRVL LRQ
PDUNHGRQ KHLUSDFNLQJRUUHIHU R
KH,QMHF RU DEOH
5HGXFHGJDVIORZUDWHVHWWLQJIRUWDSV
,JQL H KHEXUQHU KD LV REHDGMXV HGDQG
XUQ KHNQRE R KHUHGXFHGSRVL LRQ
5HPRYH KHNQREIURP KHJDV DS
8VHDQDSSURSULD HO\VL]HGVFUHZGULYHU R
DGMXV  KHIORZUD HDGMXV PHQ VFUHZ)RU
/3* %X DQH  3URSDQH XUQ KH VFUHZ
FORFNZLVH )RU QD XUDO JDV \RX VKRXOG
XUQ KH VFUHZ FRXQWHUFORFNZLVH RQFH
7KH QRUPDO OHQJ K RI D V UDLJK  IODPH LQ
KHUHGXFHGSRVL LRQVKRXOGEHPP
,I KH IODPH LV KLJKHU KDQ KH GHVLUHG
SRVL LRQ XUQ KH VFUHZ FORFNZLVH ,I L  LV
VPDOOHU XUQDQ LFORFNZLVH
)RU KH ODV  FRQ URO EULQJ KH EXUQHU R
ER K KHKLJKIODPHDQGUHGXFHGSRVL LRQV
DQGFKHFNZKH KHU KHIODPHLVRQRURII
 'HSHQGLQJRQ KH \SHRIJDV DSXVHGLQ
\RXU DSSOLDQFH KH DGMXV PHQ  VFUHZ
SRVL LRQPD\YDU\
 )ORZUD HDGMXV PHQ VFUHZ
)LQDOFKHFN
2SHQJDVVXSSO\
&KHFNJDVLQV DOOD LRQVIRUVHFXUHIL LQJ
DQG LJK QHVV
,JQL HEXUQHUVDQGFKHFNDSSHDUDQFHRI
KHIODPH
*DVFRQYHUVLRQ
,Q RUGHU R KDYH KH DSSOLDQFHV JDV \SH
FKDQJHG DOO KH LQMHF RUV PXV  EH FKDQJHG
DQG KHIODPHDGMXV PHQ IRUDOOYDOYHVPXV 
EHVH D  KHUHGXFHGIORZUD HSRVL LRQ

&KDQJLQJWKHLQMHFWRUV
7DNHRIIEXUQHUFDSDQGEXUQHUERG\
8QVFUHZLQMHF RUVE\ XUQLQJ KHP
FRXQ HUFORFNZLVH
)L QHZLQMHF RUV
&KHFNDOOFRQQHF LRQVIRUVHFXUHIL LQJ
DQG LJK QHVV
7KH IODPHV VKRXOG EH EOXH DQG
EXUQ VPRR KO\ ,I KH IODPHV
DSSHDU \HOORZLVK FKHFN KD  KH
EXUQHU FDS LV VHD HG FRUUHF O\ RU
FOHDQ KH EXUQHU 6ZL FK RII  KH
JDV DQG OH  EXUQHU FRRO EHIRUH
RXFKLQJL 
'$1*(5 5LVN RI H[SORVLRQ RU
SRLVRQLQJ E\ XQSURIHVVLRQDO
LQVWDOODWLRQ *DV FRQYHUVLRQ
PXV  RQO\ EH FDUULHG RX  E\ D
UHJLV HUHGLQV DOOHU
'$1*(55LVNRIH[SORVLRQ
%HIRUH V DU LQJ DQ\ ZRUN RQ KH
JDV LQV DOOD LRQ VKX  RII KH JDV
VXSSO\ 
 )ODPHIDLOXUHGHYLFHPRGHOGHSHQGHQ 
 6SDUNSOXJ
 ,QMHF RU
 %XUQHU
,I KHJDV \SHRI KHDSSOLDQFHLV
FKDQJHG KHQ KH UD LQJ SOD H
KD  VKRZV KH JDV \SH RI KH
XQL PXV DOVREHFKDQJHG

3DJH
3UHSDUDWLRQ
7LSVIRUHQHUJ\VDYLQJ
7KHIROORZLQJLQIRUPD LRQZLOOKHOS\RX RXVH
\RXU DSSOLDQFH LQ DQ HFRORJLFDO ZD\ DQG R
VDYHHQHUJ\
x 8VH GDUN FRORXUHG RU HQDPHO FRD HG
FRRNZDUH LQ KH RYHQ IRU EH HU KHD 
UDQVPLVVLRQ
x %HIRUH FRRNLQJ \RXU GLVKHV SHUIRUP D
SUHKHD LQJ RSHUD LRQ LI L  LV DGYLVHG LQ
KH XVHU PDQXDO RU FRRNLQJ
LQV UXF LRQV
x 'R QR  RSHQ KH GRRU RI KH RYHQ
IUHTXHQ O\GXULQJFRRNLQJ
x 7U\ R FRRN PRUH KDQ RQH GLVK LQ KH
RYHQ D  KH VDPH LPH ZKHQHYHU
SRVVLEOH 7ZR FRRNLQJ YHVVHOV FDQ EH
SODFHGRQ R KHZLUHVKHOI
x &RRN PRUH KDQ RQH GLVK RQH DI HU
DQR KHU7KHRYHQZLOODOUHDG\EHKR 
x 6ZL FK RII KH RYHQ D IHZ PLQX HV
EHIRUH KHHQGRI KHFRRNLQJ LPH'R
QR RSHQ KHRYHQGRRU
x 'HIURV  IUR]HQ GLVKHV EHIRUH FRRNLQJ
KHP
x 8VH SR V DQG SDQV ZL K FRYHUV IRU
FRRNLQJ ,I KHUH LV QR FRYHU HQHUJ\
FRQVXPS LRQPD\LQFUHDVHE\ LPHV
x 6HOHF  KH EXUQHU ZKLFK LV VXL DEOH IRU
KHER RPVL]H RI KHSR  KD LV REH
XVHG$OZD\VVHOHF  KHFRUUHF SR VL]H
IRU \RXU GLVKHV /DUJHU SR V UHTXLUH
PRUHHQHUJ\
)LUVWFOHDQLQJRIWKHDSSOLDQFH
7KHVXUIDFHRI KHDSSOLDQFHPD\
EH GDPDJHG E\ VRPH GH HUJHQ V
RUFOHDQLQJPD HULDOV 'RQR XVH
DJJUHVVLYH GH HUJHQ V FOHDQLQJ
SRZGHU FUHDP RU DQ\ VKDUS
REMHF V
,QLWLDOXVH
,QLWLDOKHDWLQJ
+HD  XS KH DSSOLDQFH IRU DERX   PLQX HV
DQG KHQVZL FKL RII
7KLVZLOOHQVXUH KD DQ\SURGXF LRQUHVLGXHV
RUOD\HUVZLOOEHEXUQ RIIDQGUHPRYHG
:$51,1*+R VXUIDFHVPD\
FDXVHEXUQV'RQR  RXFK KHKR 
VXUIDFHVRI KHDSSOLDQFH8VH
RYHQJORYHV.HHSFKLOGUHQDZD\
IURP KHDSSOLDQFH
(OHFWULFRYHQ
7DNHDOOEDNLQJ UD\VDQG KHZLUHJULOORX 
RI KHRYHQ
&ORVH KHRYHQGRRU
6HOHF  KHV D LFSRVL LRQ
6HOHF  KHKLJKHV JULOOSRZHU6HH+RZ R
RSHUD H KHHOHF ULFRYHQSDJH
2SHUD H KHRYHQIRUDERX PLQX HV
7XUQ RII \RXU RYHQ 6HH +RZ R RSHUD H
KHHOHF ULFRYHQSDJH
*ULOORYHQ
7DNHDOOEDNLQJ UD\VDQG KHZLUHJULOORX 
RI KHRYHQ
&ORVH KHRYHQGRRU
6HOHF  KHKLJKHV JULOOSRZHUVHH+RZ R
RSHUD H KHJULOOSDJH
2SHUD H KHJULOODERX PLQX HV
7XUQRII\RXUJULOOVHH+RZ RRSHUD H KH
JULOOSDJH
6PHOO DQG VPRNH PD\ HPL 
GXULQJ KH ILUV  KHD LQJ 7KLV LV
QR  D IDXO  DQG LV TXL H QRUPDO
DQG LV GXH R DQ\ SURGXF LRQ
UHVLGXHVRUOD\HUVEHLQJEXUQ RII
DQG UHPRYHG  (QVXUH KD  KH
URRPLVZHOOYHQ LOD HG
5HPRYHDOOSDFNDJLQJPD HULDOV
:LSH KHVXUIDFHVRI KHDSSOLDQFHZL KD
GDPS FOR K RU VSRQJH DQG GU\ ZL K D
FOR K
+RWSODWH
$Q\ SURGXF LRQ UHVLGXHV RU FRQVHUYD LRQ
OD\HUV PXV  EH EXUQ  EHIRUH KH ILUV  XVH
2SHUD H KH KR SOD H D  PLGGOH
HPSHUD XUH OHYHO IRU  PLQX HV ZL KRX 
DQ\ YHVVHO RQ L  1R SR V RU FRQ DLQHUV
VKRXOGEHSODFHGRQ R KHKR SOD HGXULQJ
KLVSURFHGXUH

3DJH
&KHFN KHJHQHUDODSSHDUDQFHRI
\RXUDSSOLDQFHIRUDQ\GDPDJHV KD 
PLJK KDYHRFFXUUHGGXULQJ
UDQVSRU D LRQ
'RQR SODFHR KHUL HPVRQ KH RS
RI KHDSSOLDQFH7KHDSSOLDQFH
PXV EH UDQVSRU HGXSULJK 
'LVSRVLQJRIWKHROGSURGXFW
'LVSRVH RI KH ROG DSSOLDQFH LQ DQ
HQYLURQPHQ DOO\IULHQGO\PDQQHU
5HIHU R \RXU ORFDO GHDOHU RU VROLG ZDV H
FROOHF LRQFHQ UHLQ\RXUDUHD ROHDUQKRZ R
GLVSRVHRI\RXUSURGXF 
%HIRUH GLVSRVLQJ RI KH SURGXF  FX  RII KH
SRZHUFDEOHSOXJDQGPDNH KHGRRUORFNLI
DQ\XQXVDEOH RDYRLGGDQJHURXVFRQGL LRQV
RFKLOGUHQ
3DFNDJHLQIRUPDWLRQ
3DFNDJLQJ PD HULDOV DUH GDQJHURXV R
FKLOGUHQ.HHSSDFNDJLQJPD HULDOVLQDVDIH
SODFHRX RIUHDFKRIFKLOGUHQ
3DFNDJLQJ PD HULDOV RI KH DSSOLDQFH DUH
PDQXIDF XUHGIURPUHF\FODEOHPD HULDOV
'R QR  GLVSRVH RI KH SDFNDJLQJ PD HULDOV
RJH KHU ZL K GRPHV LF RU R KHU ZDV HV
'LVSRVHRI KHPLQDUHVSRQVLEOHPDQQHU

)XWXUH7UDQVSRUWDWLRQ
.HHS KH DSSOLDQFHV RULJLQDO FDU RQ DQG
UDQVSRU  KH DSSOLDQFH LQ L  )ROORZ KH
LQV UXF LRQVRQ KHFDU RQ,I\RXGRQR KDYH
KH RULJLQDO FDU RQ SDFN KH DSSOLDQFH LQ
EXEEOH ZUDS RU KLFN FDUGERDUG DQG DSH L 
VHFXUHO\
7R SUHYHQ  KH ZLUH JULOO DQG UD\ LQVLGH KH
RYHQIURPGDPDJLQJ KHRYHQGRRUSODFHD
V ULSRIFDUGERDUGRQ R KHLQVLGHRI KHRYHQ
GRRU KD  OLQHV XS ZL K KH SRVL LRQ RI KH
UD\V7DSH KHRYHQGRRU R KHVLGHZDOOV
6HFXUH KH FDSV DQG SDQ VXSSRU V ZL K
DGKHVLYH DSH
'RQR XVH KHGRRURUKDQGOH ROLI RUPRYH
KHDSSOLDQFH

3DJH
8VLQJWKHKRE
*HQHUDOLQIRUPDWLRQDERXWFRRNLQJ
'$1*(5
5LVNRIILUHE\RYHUKHDWHGRLO
:KHQKHD LQJRLOGRQR OHDYHL 
XQD HQGHG
1HYHUWU\WRH[WLQJXLVKDILUH
ZLWKZDWHU:KHQRLOKDVFDXJK 
ILUHLPPHGLD HO\FRYHU KHSR RU
SDQZL KDOLG6ZL FKRII KHKRE
LIVDIH RGRVRDQGSKRQH KHILUH
VHUYLFH
x %HIRUHIU\LQJIRRGVDOZD\VGU\ KHPZHOO
DQGJHQ O\SODFHLQ R KHKR RLO(QVXUH
FRPSOH H KDZLQJRIIUR]HQIRRGVEHIRUH
IU\LQJ
x 'RQR FRYHU KHSR RUSDQEHLQJXVHG
ZKHQKHD LQJRLO
x 3ODFH KHSDQVDQGVDXFHSDQVLQD
PDQQHUVR KD  KHLUKDQGOHVDUHQR RYHU
KHKRE RSUHYHQ KHD LQJRI KHKDQGOHV
'RQR SODFHXQEDODQFHGDQGHDVLO\ LO LQJ
FRRNLQJYHVVHOVRQ KHKRE
x 'RQR SODFHHPS \SR VDQGVDXFHSDQV
RQFRRNLQJ]RQHV KD DUHVZL FKHGRQ
7KH\PLJK JH GDPDJHG
x 2SHUD LQJDFRRNLQJ]RQHZL KRX DSR 
SDQRUVDXFHSDQRQL PD\FDXVHGDPDJH
R KHDSSOLDQFH7XUQRII KHFRRNLQJ
]RQHVDI HUFRRNLQJLVFRPSOH H
x $V KHVXUIDFHRI KHDSSOLDQFHFDQEHKR 
GRQR SODFHSODV LFDQGDOXPLQXPYHVVHOV
RQL 
x 3ODV LFDQGDOXPLQXPYHVVHOVVKRXOGQR 
EHXVHG RNHHSIRRGVLQ
x 8VHIOD ER RPHGVDXFHSDQVRUFRRNLQJ
YHVVHOVRQO\
x 3ODFHRQO\ KHDSSURSULD HDPRXQ RIIRRG
LQVDXFHSDQVDQGSDQV'RLQJVRZLOO
DVVLV ZL KUHJDUGV RQR KDYLQJ RGRDQ\
XQQHFHVVDU\FOHDQLQJDV KLVZLOOKHOS
SUHYHQ  KHGLVKHVIURPRYHUIORZLQJ
x 'RQR SX FRYHUVRIVDXFHSDQVRUSDQV
RQ KHFRRNLQJ]RQHV
x 3ODFHVDXFHSDQVVR KD  KH\DUHFHQ HUHG
RQ KHFRRNLQJ]RQH:KHQPRYLQJ KH
VDXFHSDQRQ RDQR KHUFRRNLQJ]RQHOLI 
DQGSODFHL RQ R KHR KHUFRRNLQJ]RQH
LQV HDGRIVOLGLQJL 
*DVFRRNLQJ
x 7KH VL]H RI KH FRRNLQJ YHVVHO DQG KH
IODPHPXV EHVXL HG RHDFKR KHU$GMXV 
KHJDVIODPHVVR KD  KH\GRQR H[ HQG
SDV  KHER RPRI KHFRRNLQJYHVVHODQG
HQVXUH KD  KHFRRNLQJYHVVHOLVFHQ HUHG
RQ KHVDXFHSDQFDUULHU
1RUPDOEXUQHUFP
1RUPDOEXUQHUFP
+R SOD HPP
+R SOD HPP
$X[LOLDU\EXUQHUFP
5DSLGEXUQHUFP
7KH DERYH OLV  GHQR HV KH UHFRPPHQGHG
GLDPH HUV RI SR V R EH XVHG RQ UHOD HG
EXUQHUV

7KHODUJHIODPHV\PEROLQGLFD HV KHKLJKHV 
FRRNLQJ SRZHU DQG VPDOO IODPH V\PERO
LQGLFD HV KH ORZHV  FRRNLQJ SRZHU ,Q KH
XUQHG RII SRVL LRQ  RS JDV LV QR  VXSSOLHG
R KHEXUQHUV

,JQLWLQJWKHJDVEXUQHUV
.HHS KHEXUQHUNQRESUHVVHGLQ
7XUQ KHNQREFRXQ HUFORFNZLVH R KH
ODUJHIODPHV\PERO*DVLVLJQL HGZL K KH
VSDUNFUHD HG
$GMXV  KHNQRE R KHGHVLUHGFRRNLQJ
SRZHU

7XUQLQJRIIWKHJDVEXUQHUV
7XUQ KHNHHSZDUP]RQHNQRE R KHRII
XSSHUSRVL LRQ
8VLQJWKHKREV

3DJH
'$1*(5
5LVNRIGHIODJUDWLRQLQFDVHRI
XQEXUQHGJDV
'RQR SUHVV KHNQREIRUORQJHU
KDQVHFRQGVLI KHUHZDVQR
LJQL LRQ
:DL IRURQHPLQX HDQG KHQ
UHSHD  KHLJQL LRQSURFHVV
8VLQJKRWSODWHV
8VLQJKRWSODWHV
+RE NQREV FDQ EH XUQHG LQ ER K GLUHF LRQV
LQDZD\ KD ZLOOSURYLGH HPSHUD XUHFRQ URO
LQV HSV
*DVVKX 
RIIVDIH \
x 3XVK KHNQRELQZDUGVDQG XUQL FRXQ HU
FORFNZLVH RLJQL H
x $I HU KH JDV LJQL HV NHHS KH NQRE
SUHVVHG IRU  VHFRQGV PRUH R HQJDJH
KHVDIH \V\V HP
x ,I KH JDV GRHV QR  LJQL H DI HU \RX SUHVV
DQG UHOHDVH KH NQRE UHSHD  KH VDPH
SURFHGXUHE\NHHSLQJ KHNQRESUHVVHGLQ
IRUVHFRQGV
$VDFRXQ HUPHDVXUH
DJDLQV EORZRX GXH R
IOXLGRYHUIORZVD EXUQHUV
RUVKRXOG KHIODPH
H[ LQJXLVKIRUZKD HYHU
UHDVRQ KHIORZRIJDV R
KHEXUQHUZLOO
DX RPD LFDOO\EH
HUPLQD HG
*DVVKXWRIIVDIHW\V\VWHPLQPRGHOV
ZLWKWKHUPLFFRPSRQHQW
,I KHKRELVHTXLSSHGZL K
KR SOD HVIHD XULQJ%RRV HU
IXQF LRQUHOHYDQ KR SOD HZLOOEH
PDUNHGZL KDUHGGR 
2YHUKHDWLQJSURWHFWLRQ
+R SOD HV KD  KDYH D SRZHUDERYH  :
DUHHTXLSSHGZL KDQ RYHUKHD LQJSUR HF LRQ
V\V HP 2YHUKHD LQJ SUR HF LRQ GHFUHDVHV
KH SRZHU RI KH KR SOD H LQ KH IROORZLQJ
FDVHV
7KHUH LV QR YHVVHO RU VDXFHSDQ RQ KH
KR SOD H
7KHUH LV DQ HPS \ YHVVHO RU VDXFHSDQ RQ
KHKR SOD H
7KHER RPRI KHYHVVHORUVDXFHSDQLVQR 
IOD 
7XUQLQJRQWKHKRWSODWHV
8VHKR SOD HNQREV RRSHUD H KHKR SOD HV
0RYH KHKR SOD HNQREV R KHUHOHYDQ OHYHO
LQRUGHU RRE DLQ KHGHVLUHGFRRNLQJOHYHO
&RRNLQJ
OHYHO
 ² ²
 ZDUPLQJ V HZLQJ
VLPPHULQJ
FRRNLQJ
URDV LQJ
ERLOLQJ
7XUQLQJRIIWKHKRWSODWHV
7XUQ KH KR SOD H NQRE R 2)) XSSHU
SRVL LRQ

3DJH
:$51,1*
+R VXUIDFHVPD\FDXVHEXUQV
'RQR  RXFK KHKR VXUIDFHVRI
KHDSSOLDQFH8VHRYHQJORYHV
.HHSFKLOGUHQDZD\IURP KH
DSSOLDQFH
7LSVIRUEDNLQJ
x 8VH QRQV LFN\ FRD HG DSSURSULD H PH DO
SOD HV RU DOXPLQXP YHVVHOV RU KHD 
UHVLV DQ VLOLFRQHPRXOGV
x 0DNHEHV XVHRI KHVSDFHRQ KHUDFN
x 3ODFH KH EDNLQJ PRXOG LQ KH PLGGOH RI
KHVKHOI
x 6HOHF  KH FRUUHF  UDFN SRVL LRQ EHIRUH
XUQLQJ KHRYHQRUJULOORQ'RQR FKDQJH
KHUDFNSRVL LRQZKHQ KHRYHQLVKR 
x .HHS KHRYHQGRRUFORVHG

7LSVIRUURDVWLQJ
x 7UHD LQJ ZKROH FKLFNHQ XUNH\ DQG ODUJH
SLHFHV RI PHD  ZL K GUHVVLQJV VXFK DV
OHPRQ MXLFH DQG EODFN SHSSHU EHIRUH
FRRNLQJ ZLOO LQFUHDVH KH FRRNLQJ
SHUIRUPDQFH
x ,  DNHVDERX   R  PLQX HV ORQJHU R
URDV PHD ZL KERQHVZKHQFRPSDUHG R
URDV LQJ KH VDPH VL]H RI PHD  ZL KRX 
ERQHV
x (DFK FHQ LPH HU RI PHD  KLFNQHVV
UHTXLUHV DSSUR[LPD HO\  R  PLQX HV RI
FRRNLQJ LPH
x /H  PHD  UHV  LQ KH RYHQ IRU DERX 
PLQX HVDI HU KHFRRNLQJ LPHLVRYHU
7KHMXLFHLV EH HU GLV ULEX HG DOO RYHU KH
URDV DQGGRHVQR UXQRX ZKHQ KHPHD 
LVFX 
x )LVK VKRXOG EH SODFHG RQ KH PLGGOH RU
ORZHUUDFNLQDKHD UHVLV DQ SOD H
*HQHUDO LQIRUPDWLRQ RQ EDNLQJ URDVWLQJ
DQGJULOOLQJ
7LSVIRUJULOOLQJ
x :KHQ PHD  ILVK DQG SRXO U\ DUH JULOOHG
KH\TXLFNO\JH EURZQDQGGHYHORSDFUXV 
DQG GR QR  HDVLO\ GU\ RX  )OD  FX V RI
PHD  VDXVDJHV DQG PHD  VNHZHUV DUH
SDU LFXODUO\ VXL HG IRU JULOOLQJ DV DUH
YHJH DEOHV ZL K KLJK ZD HU FRQ HQ  VXFK
DV RPD RHVDQGRQLRQV
x 'LV ULEX H KH SLHFHV R EH JULOOHG RQ KH
ZLUH VKHOI RU LQ KH EDNLQJ UD\ LQ VXFK D
ZD\ KD  KH DUHD FRYHUHG GRHV QR 
H[FHHG KHVL]HRI KHKHD HU
x 6OLGH KHZLUHVKHOIRUEDNLQJ UD\LQ R KH
GHVLUHGOHYHOLQ KHRYHQ,I\RXDUHJULOOLQJ
RQ KH ZLUH VKHOI VOLGH KH EDNLQJ UD\ R
KH ORZHU UDFN R FROOHF  ID V $GG VRPH
ZD HULQ KH UD\IRUHDV\FOHDQLQJ
+RZWRRSHUDWHWKHRYHQ
'$1*(5
5LVNRIVFDOGLQJE\KR V HDP
7DNHFDUHZKHQRSHQLQJ KH
RYHQGRRUDVV HDPPD\HVFDSH
)LUHGDQJHUGXHWRIRRGZKLFK
LVXQVXLWDEOHIRUJULOOLQJ
2QO\XVHIRRGIRUJULOOLQJZKLFKLV
VXL DEOHIRULQ HQVLYHJULOOLQJKHD 
'RQR SODFH KHIRRG RRIDULQ
KHEDFNRI KHJULOO7KLVLV KH
KR HV DUHDDQGID IRRGPD\
FD FKILUH
+RZWRRSHUDWHWKHHOHFWULFRYHQ
6HOHFWWHPSHUDWXUHDQGRSHUDWLQJPRGH
7KHUPRV D ODPS
)XQF LRQNQRE
7KHUPRV D NQRE
0LQX HPLQGHU
7KHRSHUD LQJPRGHVRI KHHOHF ULFRYHQDUH
VHOHF HG ZL K KH IXQF LRQ NQRE 7KH
HPSHUD XUH LV DGMXV HG ZL K KH KHUPRV D 
NQRE $OO RYHQ IXQF LRQV DUH XUQHG RII E\
XUQLQJ KH UHOHYDQ  NQRE R RII XSSHU
SRVL LRQ