
,QVSHFWH[WHQVLRQFRUGVSHULRGLFDOO\DQGUHSODFHLI
GDPDJHG.HHSKDQGOHVGU\FOHDQDQGIUHHIURPRLO
RUJUHDVH
35(6685(:$6+(56$)(7<:$51,1*6
5HDGDOOWKHLQVWUXFWLRQVEHIRUHXVLQJWKHSURGXFW
7RUHGXFHWKHULVNRILQMXU\FORVHVXSHUYLVLRQLV
QHFHVVDU\ZKHQDSURGXFWLVXVHGQHDUFKLOGUHQ
.QRZKRZWRVWRSWKHSURGXFWDQGEOHHGXQLW
SUHVVXUHTXLFNO\%HWKRURXJKO\IDPLOLDUZLWKWKH
FRQWUROV
6WD\DOHUW±ZDWFKZKDW\RXDUHGRLQJ
'RQRWRSHUDWHWKHSURGXFWZKHQIDWLJXHGRUXQGHU
WKHLQIOXHQFHRIDOFRKRORUGUXJV
.HHSRSHUDWLQJDUHDFOHDURIDOOSHUVRQV
'RQRWRYHUUHDFKRUVWDQGRQXQVWDEOHVXSSRUW
.HHSJRRGIRRWLQJDQGEDODQFHDWDOOWLPHV
)ROORZWKHPDLQWHQDQFHLQVWUXFWLRQVVSHFLILHGLQWKH
PDQXDO
7KLVSURGXFWLVSURYLGHGZLWKDJURXQGIDXOW
FLUFXLWLQWHUUXSWHUEXLOWLQWRWKHSRZHUFRUGSOXJ,I
UHSODFHPHQWRIWKHSOXJRUFRUGLVQHHGHGXVHRQO\
LGHQWLFDOUHSODFHPHQWSDUWV
5LVNRILQMHFWLRQRULQMXU\±'RQRWGLUHFWGLVFKDUJH
VWUHDPDWSHUVRQV
.HHSWKHPRWRUDZD\IURPIODPPDEOHVDQGRWKHU
KD]DUGRXVPDWHULDOV
.HHSSURGXFWGU\FOHDQDQGIUHHIURPRLODQG
JUHDVH$OZD\VXVHDFOHDQFORWKZKHQFOHDQLQJ
1HYHUXVHEUDNHIOXLGVJDVROLQHSHWUROHXPEDVHG
SURGXFWVRUDQ\VROYHQWVWRFOHDQSURGXFW
:$51,1*
7RUHGXFHWKHULVNRIHOHFWURFXWLRQNHHSDOO
FRQQHFWLRQVGU\DQGRIIWKHJURXQG'RQRWWRXFK
SOXJZLWKZHWKDQGV
6(59,&,1*2)$'28%/(,168/$7('
$33/,$1&(
:LWKLQDGRXEOHLQVXODWHGSURGXFWWZRV\VWHPVRI
LQVXODWLRQDUHSURYLGHGLQVWHDGRIJURXQGLQJ1R
JURXQGLQJPHDQVLVSURYLGHGRQDGRXEOHLQVXODWHG
SURGXFWQRUVKRXOGDPHDQVIRUJURXQGLQJEH
DGGHGWRWKHSURGXFW6HUYLFLQJDGRXEOHLQVXODWHG
SURGXFWUHTXLUHVH[WUHPHFDUHDQGNQRZOHGJHRI
WKHV\VWHPDQGVKRXOGEHGRQHRQO\E\TXDOLILHG
VHUYLFHSHUVRQQHO5HSODFHPHQWSDUWVIRUDGRXEOH
LQVXODWHGSURGXFWPXVWEHLGHQWLFDOWRWKHSDUWVWKH\
UHSODFH$GRXEOHLQVXODWHGSURGXFWLVPDUNHGZLWK
WKHZRUGV³'28%/(,168/$7,21´RU³'28%/(
,168/$7('´
(;7(16,21&25'6
8VHRQO\H[WHQVLRQFRUGVWKDWDUHLQWHQGHGIRU
RXWGRRUXVH7KHVHH[WHQVLRQFRUGVDUHLGHQWLILHG
E\DPDUNLQJ³$FFHSWDEOHIRUXVHZLWKRXWGRRU
DSSOLDQFHVVWRUHLQGRRUVZKLOHQRWLQXVH´8VH
RQO\H[WHQVLRQFRUGVKDYLQJDQHOHFWULFDOUDWLQJQRW
OHVVWKDQWKHUDWLQJRIWKHSURGXFW'RQRWXVH
GDPDJHGH[WHQVLRQFRUGV([DPLQHH[WHQVLRQFRUG
EHIRUHXVLQJDQGUHSODFHLIGDPDJHG'RQRWDEXVH
H[WHQVLRQFRUGDQGGRQRW\DQNRQDQ\FRUGWR
GLVFRQQHFW.HHSFRUGDZD\IURPKHDWDQGVKDUS
HGJHV$OZD\VGLVFRQQHFWWKHH[WHQVLRQFRUGIURP
WKHUHFHSWDFOHEHIRUHGLVFRQQHFWLQJWKHSURGXFW
IURPWKHH[WHQVLRQFRUG
&+,/'6$)(7<
7UDJLFDFFLGHQWVFDQRFFXULIWKHRSHUDWRULVQRWDZDUH
RIWKHSUHVHQFHRIFKLOGUHQ
.HHSFKLOGUHQRXWRIWKHZRUNLQJDUHDDQGXQGHUWKH
ZDWFKIXOFDUHRIDUHVSRQVLEOHDGXOW
'RQRWDOORZFKLOGUHQXQGHUWKHDJHRIWRRSHUDWH
WKLVPDFKLQH&KLOGUHQZKRDUH\HDUVRIDJH
DQGROGHUPXVWUHDGDQGXQGHUVWDQGWKHRSHUDWLQJ
LQVWUXFWLRQVDQGVDIHW\UXOHVLQWKLVPDQXDODQGPXVW
EHWUDLQHGDQGVXSHUYLVHGE\DSDUHQW
6WD\DOHUWDQGWXUQWKHPDFKLQHRIILIDFKLOGRUDQ\
RWKHUSHUVRQHQWHUVWKHZRUNLQJDUHD
8VHH[WUHPHFDUHZKHQDSSURDFKLQJEOLQGFRUQHUV
GRRUZD\VVKUXEVWUHHVRURWKHUREMHFWVWKDWPD\
REVFXUH\RXUYLHZRIDFKLOGZKRPD\UXQLQWRWKH
SDWKRIWKHPDFKLQH
6<0%2/6217+(352'8&7
6RPHRIWKHIROORZLQJV\PEROVPD\EHXVHGRQWKLV
WRRO3OHDVHVWXG\WKHPDQGOHDUQWKHLUPHDQLQJ
3URSHULQWHUSUHWDWLRQRIWKHVHV\PEROVZLOODOORZ\RX
WRRSHUDWHWKHWRROEHWWHUDQGVDIHU
6\PERO ([SODQDWLRQ
7RUHGXFHWKHULVNRILQMXU\XVHU
PXVWUHDGDQGXQGHUVWDQGRSHU
DWRU¶VPDQXDOEHIRUHXVLQJWKLV
SURGXFW
'RQRWH[SRVHWKHSURGXFWWR
UDLQRUPRLVWFRQGLWLRQV
$OZD\VZHDUVDIHW\JRJJOHVRU
VDIHW\JODVVHVZLWKVLGHVKLHOGV
DQGDVQHFHVVDU\DIXOOIDFH
VKLHOGZKHQRSHUDWLQJWKLVSURG
XFW
7RUHGXFHWKHULVNRILQMHFWLRQ
RULQMXU\QHYHUGLUHFWDZDWHU
VWUHDPWRZDUGVSHRSOHRUSHWV
RUSODFHDQ\ERG\SDUWLQWKH
VWUHDP/HDNLQJKRVHVDQGILW
WLQJVDUHDOVRFDSDEOHRIFDXVLQJ
LQMHFWLRQLQMXU\'RQRWKROGKR
VHVRUILWWLQJV
(QJOLVK (1