*(1(5$/6$)(7<58/(6
6WD\DOHUWZDWFKZKDW\RXDUHGRLQJDQGXVHFRPPRQVHQVH
ZKHQRSHUDWLQJDSRZHUWRRO'RQRWXVHDSRZHUWRROZKLOH
\RXDUHWLUHGRUXQGHUWKHLQIOXHQFHRIGUXJVDOFRKRORU
PHGLFDWLRQ$PRPHQWRILQDWWHQWLRQZKLOHRSHUDWLQJSRZHU
WRROVPD\UHVXOWLQVHULRXVSHUVRQDOLQMXU\
8VHVDIHW\HTXLSPHQW$OZD\VZHDUH\HSURWHFWLRQ6DIHW\
HTXLSPHQWVXFKDVGXVWPDVNQRQVNLGVDIHW\VKRHVKDUG
KDWRUKHDULQJSURWHFWLRQEHXVHGIRUDSSURSULDWHFRQGLWLRQV
ZLOOUHGXFHSHUVRQDOLQMXULHV
$YRLGDFFLGHQWDOVWDUWLQJ(QVXUHWKHVZLWFKLVLQWKHRIISRVLWLRQ
EHIRUHSOXJJLQJLQ&DUU\LQJSRZHUWRROVZLWK\RXUILQJHURQ
WKHVZLWFKRUWRSOXJLQSRZHUWRROVWKDWKDYHWKHVZLWFKWR21
SRVLWLRQ FDQFDXVHDFFLGHQWV
5HPRYHDQ\DGMXVWLQJNH\RUZUHQFKEHIRUHWXUQLQJWKHSRZHU
WRRORQ$ZUHQFKRUDNH\OHIWDWWDFKHGWRDURWDWLQJSDUWRI
WKHSRZHUWRROPD\UHVXOWLQSHUVRQDOLQMXU\
'RQRWRYHUUHDFK.HHSSURSHUIRRWLQJDQGEDODQFHDWDOOWLPHV
7KLVHQDEOHVEHWWHUFRQWURORIWKHSRZHUWRROLQXQH[SHFWHG
VLWXDWLRQV
'UHVVSURSHUO\'RQRWZHDUORRVHFORWKLQJRUMHZHOOHU\.HHS
\RXUKDLUFORWKLQJDQGJORYHVDZD\IURPPRYLQJSDUWV/RRVH
FORWKHVMHZHOOHU\RUORQJKDLUFDQEHFDXJKWLQPRYLQJSDUWV
,IGHYLFHVDUHSURYLGHGIRUWKHFRQQHFWLRQRIGXVWH[WUDFWLRQ
DQGFROOHFWLRQIDFLOLWLHVHQVXUHWKHVHDUHFRQQHFWHGDQG
SURSHUO\XVHG8VHRIWKHVHGHYLFHVFDQUHGXFHGXVWUHODWHG
KD]DUGV
32:(5722/86($1'&$5(
3(5621$/6$)(7<
'RQRWIRUFHWKHSRZHUWRRO8VHWKHFRUUHFWSRZHUWRROIRU
\RXUDSSOLFDWLRQ7KHFRUUHFWSRZHUWRROZLOOGRWKHMREEHWWHU
DQGVDIHUDWWKHUDWHIRUZKLFKLWLVGHVLJQHG
'RQRWXVHWKHSRZHUWRROLIWKHVZLWFKGRHVQRWWXUQLWRQDQG
RII$Q\SRZHUWRROWKDWFDQQRWEHFRQWUROOHGZLWKWKHVZLWFK
LVGDQJHURXVDQGPXVWEHUHSDLUHG
'LVFRQQHFWWKHSOXJIURPWKHSRZHUVRXUFHEHIRUHPDNLQJDQ\
DGMXVWPHQWVFKDQJLQJDFFHVVRULHVRUVWRULQJWKHSRZHUWRROV
6XFKSUHYHQWLYHVDIHW\PHDVXUHVUHGXFHWKHULVNRIVWDUWLQJ
WKHSRZHUWRRODFFLGHQWDOO\
6WRUHLGOHSRZHUWRROVRXWRIUHDFKRIFKLOGUHQDQGGRQRWDOORZ
SHUVRQVXQIDPLOLDUZLWKWKHSRZHUWRRORUWKHVHLQVWUXFWLRQVWR
RSHUDWHWKHSRZHUWRRO3RZHUWRROVDUHGDQJHURXVLQWKH
KDQGVRIXQWUDLQHGXVHUV
0DLQWDLQSRZHUWRROV&KHFNIRUPLVDOLJQPHQWRUELQGLQJRI
PRYLQJSDUWVEUHDNDJHRISDUWVDQGDQ\RWKHUFRQGLWLRQWKDW
PD\DIIHFWWKHSRZHUWRROVRSHUDWLRQ,IGDPDJHGKDYHWKH
SRZHUWRROUHSDLUHGEHIRUHXVH0DQ\DFFLGHQWVDUHFDXVHG
E\SRRUO\PDLQWDLQHGSRZHUWRROV
.HHSFXWWLQJWRROVVKDUSDQGFOHDQ3URSHUO\PDLQWDLQHGWRROV
ZLWKVKDUSFXWWLQJHGJHVDUHOHVVOLNHO\WRELQGDQGDUHHDVLHU
WRFRQWURO
8VHWKHSRZHUWRRODFFHVVRULHVDQGWRROELWVHWFLQDFFRUGDQFH
ZLWKWKHVHLQVWUXFWLRQVDQGLQWKHPDQQHULQWHQGHGIRUWKH
SDULFXODUW\SHRISRZHUWRROWDNLQJLQWRDFFRXQWWKHZRUNLQJ
FRQGLWLRQVDQGWKHZRUNWREHSHUIRUPHG8VHRIWKHSRZHU
WRROIRURSHUDWLRQVGLIIHUHQWIURPLQWHQGHGFRXOGUHVXOWLQD
KD]DUGRXVVLWXDWLRQ
6(59,&(
+DYH\RXUSRZHUWRROVHUYLFHGE\DTXDOLILHGUHSDLUSHUVRQ
XVLQJRQO\LGHQWLFDOUHSODFHPHQWSDUWV7KLVZLOOHQVXUHWKDW
WKHVDIHW\RIWKHSRZHUWRROLVPDLQWDLQHG
6$)(7<$/(576<0%2/ ,QGLFDWHVFDXWLRQ
RUZDUQLQJ0D\EHXVHGLQFRQMXQFWLRQZLWK
RWKHUV\PEROVRUSLFWXUHV
JODVVHVZLWKVLGHVKLHOGV
:$51,1* )DLOXUHWRREH\DVDIHW\ZDUQLQJFDQ
UHVXOWLQVHULRXVLQMXU\WR\RXUVHOIRUWRRWKHUV
$OZD\VIROORZWKHVDIHW\SUHFDXWLRQVWRUHGXFH
WKHULVNRIILUHHOHFWULFVKRFNDQGSHUVRQDOLQMXU\
:$51,1*'RQRWDWWHPSWWRRSHUDWHWKLVWRRO
XQWLO\RXKDYHUHDGWKRURXJKO\DQGXQGHUVWRRG
FRPSOHWHO\VDIHW\UXOHVHWFFRQWDLQHGLQWKLV
PDQXDO )DLOXUH WR FRPSO\ FDQ UHVXOW LQ
DFFLGHQWVLQYROYLQJILUHHOHFWULFVKRFNRUVHULRXV
SHUVRQDOLQMXU\ 6DYH RZQHUV PDQXDO DQG
UHYLHZIUHTXHQWO\IRUFRQWLQXLQJVDIHRSHUDWLRQ
DQGLQVWUXFWLQJRWKHUVZKRPD\XVHWKLVWRRO
7KHRSHUDWLRQRIDQ\WRROFDQ
UHVXOWLQIRUHLJQREMHFWVEHLQJ
WKURZQLQWR\RXUH\HVZKLFKFDQ
UHVXOWLQVHYHUHH\H GDPDJH
%HIRUH EHJLQQLQJ SRZHU WRRO
RSHUDWLRQDOZD\V ZHDUVDIHW\
JRJJOHVRUVDIHW\JODVVHVZLWKVLGHVKLHOGVDQGDIXOO
IDFHVKLHOGZKHQQHHGHG:HUHFRPPHQG:LGH9LVLRQ
6DIHW\0DVNIRUXVHRYHUH\HJODVVHVRUVWDQGDUGVDIHW\
:$51,1*5HDGDOOLQVWUXFWLRQV)DLOXUHWRIROORZDOOLQVWUXFWLRQV
OLVWHGEHORZPD\UHVXOWLQHOHFWULFVKRFNILUHDQGRUVHULRXV
LQMXU\ 7KHWHUP3RZHU 7RROLQDOORIWKHZDUQLQJVOLVWHGEHORZ
UHIHUVWR\RXUPDLQVRSHUDWHGFRUGHGSRZHUWRRORUEDWWHU\
RSHUDWHGFRUGOHVVSRZHUWRRO
:25.$5($
.HHSZRUNDUHDFOHDQDQGZHOOOLW&OXWWHUHGDQGGDUNDUHDV
LQYLWHDFFLGHQWV
'RQRWRSHUDWHSRZHUWRROVLQH[SORVLYHDWPRVSKHUHVVXFK
DVLQWKHSUHVHQFHRIIODPPDEOHOLTXLGVJDVHVRUGXVW3RZHU
WRROVFUHDWHVSDUNVZKLFKPD\LJQLWHWKHGXVWRUIXPHV
.HHSFKLOGUHQDQGE\VWDQGHUVDZD\ZKLOHRSHUDWLQJDSRZHU
WRRO'LVWUDFWLRQVFDQFDXVH\RXWRORVHFRQWURO
(/(&75,&$/6$)(7<
3RZHUWRROSOXJVPXVWPDWFKWKHRXWOHW1HYHUPRGLI\WKHSOXJ
LQDQ\ZD\'RQRWXVHDQ\DGDSWHUSOXJVZLWK
HDUWKHGJURXQGHGSRZHUWRROV8QPRGLILHGSOXJVDQGPDWFKLQJ
RXWOHWVZLOOUHGXFHULVNRIHOHFWULFVKRFN
$YRLGERG\FRQWDFWZLWKHDUWKHGRUJURXQGHGVXUIDFHVVXFK
DVSLSHVUDGLDWRUVUDQJHVDQGUHIULJHUDWRUV7KHUHLVDQ
LQFUHDVHGULVNRIHOHFWULFVKRFNLI\RXUERG\LVHDUWKHGRU
JURXQGHG
'RQRWH[SRVHSRZHUWRROVWRUDLQRUZHWFRQGLWLRQV:DWHU
HQWHULQJDSRZHUWRROZLOOLQFUHDVHWKHULVNRIHOHFWULFVKRFN
'RQRWDEXVHWKHFRUG1HYHUXVHWKHFRUGIRUFDUU\LQJSXOOLQJ
RUXQSOXJJLQJWKHSRZHU WRRO.HHSFRUGDZD\IURP
KHDWRLOVKDUSHGJHVRUPRYLQJSDUWV'DPDJHGRUHQWDQJOHG
FRUGVLQFUHDVHWKHULVNRIHOHFWULFVKRFN
:KHQRSHUDWLQJDSRZHUWRRORXWGRRUVXVHDQH[WHQVLRQFRUG
VXLWDEOHIRURXWGRRUXVH8VHRIDFRUGVXLWDEOHIRURXWGRRUXVH
UHGXFHVWKHULVNRIHOHFWULFVKRFN
*(1(5$/ 6$)(7< 58/(6
6$9(7+(6(,16758&7,216