Users Manual

)&&VWDWHPHQW
7KLVGHYLFHFRPSOLHVZLWK3DUWRIWKH)&&5XOHV2SHUDWLRQLVVXEMHFWWRWKHIROORZLQJWZRFRQGLWLRQVWKLV
GHYLFHPD\QRWFDXVHKDUPIXOLQWHUIHUHQFHDQGWKLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHUHFHLYHGLQFOXGLQJ
LQWHUIHUHQFHWKDWPD\FDXVHXQGHVLUHGRSHUDWLRQ
&KDQJHVRUPRGLILFDWLRQVWRWKLVXQLWQRWH[SUHVVO\DSSURYHGE\WKHSDUW\UHVSRQVLEOHIRUFRPSOLDQFHFRXOGYRLG
WKHXVHU¶VDXWKRULW\WRRSHUDWHWKHHTXLSPHQW
127(7KLVHTXLSPHQWKDVEHHQWHVWHGDQGIRXQGWRFRPSO\ZLWKWKHOLPLWVIRUD
&ODVV%GLJLWDOGHYLFHSXUVXDQWWR3DUWRIWKH)&&5XOHV7KHVHOLPLWVDUHGHVLJQHGWRSURYLGHUHDVRQDEOH
SURWHFWLRQDJDLQVWKDUPIXOLQWHUIHUHQFHLQDUHVLGHQWLDOLQVWDOODWLRQ7KLVHTXLSPHQWJHQHUDWHVXVHVDQGFDQ
UDGLDWHUDGLRIUHTXHQF\HQHUJ\DQGLIQRWLQVWDOOHGDQGXVHGLQDFFRUGDQFHZLWKWKHLQVWUXFWLRQVPD\FDXVH
KDUPIXOLQWHUIHUHQFHWRUDGLRFRPPXQLFDWLRQV+RZHYHUWKHUHLVQRJXDUDQWHHWKDWLQWHUIHUHQFHZLOOQRWRFFXULQ
DSDUWLFXODULQVWDOODWLRQ
,IWKLVHTXLSPHQWGRHVFDXVHKDUPIXOLQWHUIHUHQFHWRUDGLRRUWHOHYLVLRQUHFHSWLRQZKLFKFDQEHGHWHUPLQHGE\
WXUQLQJWKHHTXLSPHQWRIIDQGRQWKHXVHULVHQFRXUDJHGWRWU\WRFRUUHFWWKHLQWHUIHUHQFHE\RQHRUPRUHRIWKH
IROORZLQJPHDVXUHV
5HRULHQWRUUHORFDWHWKHUHFHLYLQJDQWHQQD
,QFUHDVHWKHVHSDUDWLRQEHWZHHQWKHHTXLSPHQWDQGUHFHLYHU
&RQQHFWWKHHTXLSPHQWLQWRDQRXWOHWRQDFLUFXLWGLIIHUHQWIURPWKDWWR
ZKLFKWKHUHFHLYHULVFRQQHFWHG
&RQVXOWWKHGHDOHURUDQH[SHULHQFHGUDGLR79WHFKQLFLDQIRUKHOS
7KLVGHYLFHDQGLWVDQWHQQDVPXVWQRWEHFRORFDWHGRURSHUDWLRQLQFRQMXQFWLRQZLWKDQ\RWKHUDQWHQQDRU
WUDQVPLWWHU
5DGLDWLRQ([SRVXUH6WDWHPHQW
7KHGHYLFHKDVEHHQHYDOXDWHGWRPHHWJHQHUDO5)H[SRVXUHUHTXLUHPHQWLQSRUWDEOHH[SRVXUHFRQGLWLRQZLWKRXW
UHVWULFWLRQ
'pFODUDWLRQG¶H[SRVLWLRQDX[UD\RQQHPHQWV
/¶DSSDUHLODpWppYDOXpSRXUUpSRQGUHDX[H[LJHQFHVJpQpUDOHVG¶H[SRVLWLRQDX[5)GDQVGHVFRQGLWLRQV
G¶H[SRVLWLRQSRUWDWLYHVVDQVUHVWULFWLRQ
௑
,6('VWDWHPHQW
(QJOLVK
7KLVGHYLFHFRQWDLQVOLFHQFHH[HPSWWUDQVPLWWHUVUHFHLYHUVWKDWFRPSO\ZLWK,QQRYDWLRQ6FLHQFHDQG
(FRQRPLF'HYHORSPHQW&DQDGD¶VOLFHQFHH[HPSW566V2SHUDWLRQLVVXEMHFWWRWKHIROORZLQJWZRFRQGLWLRQV
7KLVGHYLFHPD\QRWFDXVHLQWHUIHUHQFH7KLVGHYLFHPXVWDFFHSWDQ\LQWHUIHUHQFHLQFOXGLQJLQWHUIHUHQFH
WKDWPD\FDXVHXQGHVLUHGRSHUDWLRQRIWKHGHYLFH
)UHQFK&HWDSSDUHLOFRQWLHQWGHVpPHWWHXUVUpFHSWHXUVH[HPSWVGHOLFHQFHTXLVRQWFRQIRUPHVDX[566
H[HPSWpVGHOLFHQFHG,QQRYDWLRQ6FLHQFHVHW'pYHORSSHPHQWpFRQRPLTXH&DQDGD/H[SORLWDWLRQHVWVRXPLVH
DX[GHX[FRQGLWLRQVVXLYDQWHV&HWDSSDUHLOQHGRLWSDVSURYRTXHUGLQWHUIpUHQFHV&HWDSSDUHLOGRLW
DFFHSWHUWRXWHLQWHUIpUHQFH\FRPSULVOHVLQWHUIpUHQFHVVXVFHSWLEOHVGHSURYRTXHUXQIRQFWLRQQHPHQW
LQGpVLUDEOHGHODSSDUHLO
7KLVGHYLFHPHHWVWKHH[HPSWLRQIURPWKHURXWLQHHYDOXDWLRQOLPLWVLQVHFWLRQRI566DQGFRPSOLDQFH
ZLWK5665)H[SRVXUHXVHUVFDQREWDLQ&DQDGLDQLQIRUPDWLRQRQ5)H[SRVXUHDQGFRPSOLDQFH
FHWDSSDUHLOHVWFRQIRUPHjOH[HPSWLRQGHVOLPLWHVGpYDOXDWLRQFRXUDQWHGDQVODVHFWLRQGXFQUHW
FRQIRUPLWpDYHFUVVGHOH[SRVLWLRQDX[UIOHVXWLOLVDWHXUVSHXYHQWREWHQLUGHVGRQQpHVFDQDGLHQQHVVXU
OH[SRVLWLRQDX[FKDPSVUIHWODFRQIRUPLWp
7KLVHTXLSPHQWFRPSOLHVZLWK&DQDGDUDGLDWLRQH[SRVXUHOLPLWVVHWIRUWKIRUDQXQFRQWUROOHGHQYLURQPHQW
&HWpTXLSHPHQWHVWFRQIRUPHDX[OLPLWHVGH[SRVLWLRQDX[UD\RQQHPHQWVGX&DQDGDpWDEOLHVSRXUXQ
HQYLURQQHPHQWQRQFRQWU{Op
7KHGHYLFHKDVEHHQHYDOXDWHGWRPHHWJHQHUDO5)H[SRVXUHUHTXLUHPHQW7KLVHTXLSPHQWVKRXOGEHLQVWDOOHG
DQGRSHUDWHGZLWKPLQLPXPGLVWDQFHPPEHWZHHQWKHUDGLDWRU\RXUERG\/DSSDUHLODpWppYDOXpSRXU
UpSRQGUHDX[H[LJHQFHVJpQpUDOHVGH[SRVLWLRQDX[5)&HWpTXLSHPHQWGRLWrWUHLQVWDOOpHWXWLOLVpDYHFXQH
GLVWDQFHPLQLPDOHGHPPHQWUHOHUDGLDWHXUHWYRWUHFRUSV