%HQWGXFWVDQGSLSHV
,QFRUUHFW
&RUUHFW
$EHQWLQIORZGLVWDQFH
UHVXOWVLQSRZHUORVVHV
DQGLQFUHDVHVWKHQRLVH
OHYHO
,QVWDOOEDIIOHSODWHV
)UHHLQIORZ
,QFRUUHFW
&RUUHFW
$IUHHLQIORZUHVXOWVLQ
SRZHUORVVHVDQG
LQFUHDVHVWKHQRLVHOHYHO
,QVWDOODQRSWLPLVHGLQWDNH
QR]]OH
'$1*(5
5LVNRILQMXU\GXHWR
URWDWLQJSDUWV
5RWDWLQJSDUWVLQWKHIDQ
FDQFDXVHVHULRXVLQMXULHV
7KLVLVZK\DFRYHUJULOOH
PXVWEHILWWHGEHIRUHWKH
LQWDNHQR]]OHRQDIUHH
LQIORZ
$LURXWOHW
$QRSWLPXPDLURXWOHWZLWKPLQLPDOLPSDFWORVVHVPXVW
EHJXDUDQWHHGWRSUHYHQWSRZHUORVVHVWXUEXOHQFHV
DQGH[FHVVLYHQRLVHGHYHORSPHQW
)UHHRXWOHW0D[LPXP
LPSDFWORVV
GXHWRWKH
G\QDPLFSUHVVXUHRQWKH
IDQ¶VULQJVXUIDFH
5HFWLILHGIORZOHVV
LPSDFWORVV
IROORZLQJ
LQVWDOODWLRQRIDQRXWIORZ
SLSHZLWKDQLGHDOOHQJWK
RI[IDQGLDPHWHU
:LWKGLIIXVRUOHVV
LPSDFWORVV
$FRXVWLFDQGWKHUPDOLQVXODWLRQ
RSWLRQDO
7KHDFRXVWLFLQVXODWLRQFRQVLVWVRIPLQHUDOZRROLQVXOD
WLRQWKDWUHGXFHVWKHFDVLQJ¶VDFRXVWLFHPLVVLRQV
7KHWKHUPDOLQVXODWLRQRQVPRNHH[KDXVWIDQVLV
GHVLJQHGWROLPLWWKHDPRXQWRIKHDWHPLWWHGWRWKHVXU
URXQGLQJDUHD,QDFFRUGDQFHZLWK(1LWDOVR
SUHYHQWVWKHH[WHUQDOVXUIDFHWHPSHUDWXUHRIDWKHUPDOO\
LQVXODWHGXQLWIURPLQFUHDVLQJE\PRUHWKDQ&IRU
HDFKLQGLYLGXDOYDOXH
127,&(
7KHUPDOLQVXODWLRQPXVWEHSURYLGHGRQVPRNH
H[KDXVWIDQVWKDWDUHLQVWDOOHGLQVLGHWKHEXLOGLQJDQG
RXWVLGHRIWKHILUHDUHD
,IWKHWKHUPDOLQVXODWLRQLVSURYLGHGE\RWKHUVLWPXVWEH
FRPSOHWHGXVLQJPLQHUDOZRROZLUHQHWWLQJPDWV
PPDQGZLWKDGHQVLW\RINJP7KLVDOVRDSSOLHV
WRDOOFRQQHFWLQJSDUWVSLSHVGXFWVHWF
,QVWDOODWLRQDQGDVVHPEO\UHFRPPHQGDWLRQVI
$FRXVWLFDQGWKHUPDOLQVXODWLRQRSWLRQDO
$[LDOIDQV$;2%9$;2$;1%9$;1=$;1%9=$;1