%()25(86,1*7+($33/,$1&(
<RXUQHZIULGJHLVGHVLJQHGH[FOXVLYHO\IRUXVH
LQWKHKRPH
7KHORZWHPSHUDWXUHFRPSDUWPHQWPD\EH
XVHG
WRPDNHLFHFXEHVDQGVWRUHERWKGHHS
IUR]HQDQGIUR]HQSURGXFWV7KHORZ
WHPSHUDWXUHFRPSDUWPHQWLVGHIURVWHG
PDQXDOO\
7KHUHIULJHUDWRUFRPSDUWPHQW
GHIURVWVDXWRPDWLFDOO\
DQGLVXVHGWRVWRUH
IUHVKIRRGDQGGULQNV
)RUPD[LPXPVDWLVIDFWLRQIURP\RXU
DSSOLDQFHFDUHIXOO\UHDGWKHVHXVHU
LQVWUXFWLRQVZKLFKFRQWDLQDGHVFULSWLRQRI
\RXUDSSOLDQFHDQGXVHIXOIRRGVWRUDJHWLSV
.HHSWKLVERRNOHWLQDVDIHSODFHIRUIXWXUH
FRQVXOWDWLRQ
$IWHUXQSDFNLQJPDNHVXUHWKHDSSOLDQFHLV
XQGDPDJHGDQGWKDWWKHGRRUFORVHVFRUUHFWO\
$Q\GDPDJHPXVWEHFRPPXQLFDWHGWR\RXU
UHWDLOHUZLWKLQKRXUVRIGHOLYHU\
:DLWDWOHDVWKRXUVEHIRUHFRQQHFWLQJ
WKHDSSOLDQFHWRWKHSRZHUVXSSO\
0DNHVXUHDSSOLDQFHLQVWDOODWLRQDQGHOHFWULFDO
FRQQHFWLRQVDUHPDGHE\DTXDOLILHGWHFKQLFLDQ
LQFRPSOLDQFHZLWKWKHPDQXIDFWXUHU·V
LQVWUXFWLRQVDQGFXUUHQWORFDOVDIHW\U HJXODWLRQV
3527(&7,1*7+((19,5210(17
3DFNLQJ
7KHSDFNLQJER[PD\EHIXOO\UHF\FOHGDV
FRQILUPHGE\WKHUHF\FOLQJV\PERO)ROORZORFDO
GLVSRVDOUHJXODWLRQV.HHSSRWHQWLDOO\
KD]DUGRXVSDFNDJLQJSODVWLFEDJVSRO\VW\UHQH
HWFRXWRIWKHUHDFKRIFKLOGUHQ
$SSOLDQFH
7KHDSSOLDQFHLVEXLOWIURPUHXVDEOHPDWHULDOV
,I\RXGHFLGHWR VFUDS WKH UHI ULJHUDW RULWPXVWEH
GLVSRVHGRILQFRPSOLDQFHZLWKORFDOZDVWH
GLVSRVDOODZV%HIRUHVFUDSSLQJFXWRIIWKH
SRZHUFDEOHVRWKDWWKHDSSOLDQFHFDQQRWEH
FRQQHFWHGWRWKHPDLQV'LVSRVHRIWKHDSSOLDQFH
DW DQDXWKRULVHGFROOHFWLRQFHQWUHIRUUHIULJHUDQW
,QIRUPDWLRQ
7KLVDSSOLDQFHLVIUHHRI&)&·VUHIULJHUDQWFLUFXLW
FRQWDLQV5DRUIUHHRI+)&·VUHIULJHUDQWFLUFXLW
FRQWDLQV5D²,VREXWDQH)RUPRUHGHWDLOV
SOHDVHUHIHUWRWKHUDWLQJSODWHRQWKHDSSOLDQFH
35(&$87,216$1'*(1(5$/
68**(67,216
2QO\XVHWKH
UHIULJHUDWRUFRPSDUWPHQW
WRVWRUH
IUHVKIRRG DQG WKH ORZ WHPSHUDWXUHF RPSDUWPHQW
WRVWRUHIUR]HQIRRGDQGPDNHLFHFXEHV
'RQRWFRYHURUFORVHWKHDLUYHQWV
'RQRWVWRUHOLTXLGVLQJODVVFRQWDLQHUVLQWKH
ORZWHPSHUDWXUHFRPSDUWPHQWVLQFHWKH\ PD\
H[SORGH
'RQRWHDWLFHFXEHVRULFHOROOLHVLPPHGLDWHO\
DIWHUWDNLQJWKHPRXWRIWKHORZWHPSHUDWXUH
VLQFHWKH\PD\FDXVH´FROGµEXUQV
'RQRWDOORZFKLOGUHQWRSOD\RUKLGHLQWKH
UHIULJHUDWRUWRSUHYHQWWKHULVNRIWUDSSLQJDQG
VXIIRFDWLRQ
%HIRUHFOHDQLQJRUVHUYLFLQJWKHDSSOLDQFH
DOZD\VXQSOXJLWRUVZLWFKRIIWKHPDLQV
SRZHUVXSSO\
7KHPDLQVSRZHUFDEOHPD\EHUHSODFHGRQO\
E\DWUDLQHGVHUYLFHWHFKQLFLDQ
'HFODUDWLRQRIFRQIRUPLW\
7KLVDSSOLDQFHLVGHVLJQHGWRVWRUHIRRGSURGXFWV
DQGFRPSOLHVZLWK(&'LUHFWLYH
7KLVDSSOLDQFHKDVEHHQGHVLJQHGEXLOWDQG
PDUNHWHGLQFRPSOLDQFHZLWK
WKHVDIHW\WDUJHWVRIWKH´/RZ9ROWDJHµ
((&'LUHFWLYH
WKHSURWHFWLRQUHTXLUHPHQWVRIWKH´(0&µ
((&'LUHFWLYHDPHQGHGE\((&
'LUHFWLYH
)RUDSSOLDQFHVZLWK,VREXWDQH5D
7KHUHIULJHUDQW,VREXWDQHLVDQDWXUDOJDVRIKLJK
HQYLURQPHQWDOFRPSDWLELOLW\EXWZKLFKLVLQIODPPDEO H
7KHUHIRUHLWLVHVVHQWLDOWRHQVXUHWKDWWKHGXFWVRI
WKHUHIULJHUDQWFLUFXLWGRQRWJHWGDPDJHG
6gb33028.fm Page 5 Friday, June 27, 2003 3:13 PM