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UMBCFS APCGJM^ WH QM^KUBIF

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8112019 FREE HR Kit Workplace Policies

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Itt dgidf`

Fmlput`r Ps`

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Grua + Ibfmhmb Ps`W`stcda

licb Umbcfy

lpbmyl`dt it Qcbb

A`d`rib Vij`ty Umbcfy

A`d`rib Qmrk ^ub`s

Arc`vidf` Umbcfy

L`gci `bitcmds

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Vlmkcda

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FMDWDWV

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INVDF UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Is id `lpbmy`` ymu wcbb n` tr`it`g is i prmj`sscmdib whcfh l`ids thit ymu wcbb n``xp`ft`g tm fmlpb`t` ymur wmrk md tcl` idg it th` `xp`ft`g b`v`b mj quibcty Cj `xtrihmurs ir` d``g`g tm fmlpb`t` ymur wmrk ymu wcbb n` `xp`ft`g tm put cd thms` `xtrihmurs Cj md th` mth`r hidg ymu ir` inb` tm fmlpb`t` ymur wmrk cd b`ss thid i stidgirgwmrkw``k ymu ir` jr`` tm us` thms` xtri hmurs is ymu s`` t Cd r`turd jmr n`cda tr`it`gis i prmj`sscmdib w` `xp`ft ymu tm n`hiv` is md` idg dmt tm inus` th`s` prcvb`ga`s

v`d thmuah ymu wcb n` tr`it`g is i prmj`sscmdib idg wcbb pr`sulinby n`hiv` is md`a`d`rib ins`ds` aucg`bcd`s ir` d`v`rth`b`ss d`f`ssiry tm `dsur` thit w` ir` inb` tmfmdguft nuscd`ss cd i pr`gcftinb` lidd`r Ibthmuah w` ir` dmt cdt`r`st`g cd lmdctmrcdaymur fmlcdas idg amcdas w` d``g tm kdmw cd igvidf` wh`r` pmsscnb` wh`d ymu wcbb n`ins`dt jrml wmrk H`r` ir` thms` aucg`bcd`s

INVDFV

lpbmy``s ir` xp`ft`g tm n` it wmrk idg tm wmrk i jubb wmrkw``k xf`pt jmr iuthmrcz`gins`df`s Iuthmrcz`g ins`sdf`s cdfbug` th` jmbbmwcda

Zifitcmd tcl` sfh`gub`g cd igvidf`Vcfk B`iv`Wcl` mjj jmr i Qmrk`rsndash Fmlp`dsitcmd CdouryI G`ith cd Smur JilcbyOury GutyWcl` Mjj tm Zmt`Lcbctiry B`iv`l`ra`dfy Vctuitcmds N`ymdg Smur Fmdtrmb

DMWCJCFIWCMD U^MFGP^

Wm mnticd id iuthmrcz`g ins`df` fibb cd wh`r` pmsscnb` idg b`t th` ipprmprcit` p`rsmdkdmw thit ymu ir` udinb` tm fml` tm wmrk Wh` fibb shmubg n` lig` cj pmsscnb` dm bit`rthid ymur r`aubir stirtcda tcl`

Is jmr dmtcjycda sml`md` thit ymu wcbb n` bit` tm wmrk mr wcbb n` b`ivcda irby cd th` `v`dtymur wmrk his n``d fmlpb`t`g w` isk thit ymu us` ymur n`st ougal`dt Cj ymu kdmwsml`md` cs bck`by tm d``g tm kdmw thit ymu wcbb n` fmlcda cd bit` mr b`ivcda `irby ymushmubg fibb thit p`rsmd idg b`t hcl mr h`r kdmw

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VMP^FV | UMBCFS

JICBP^ WM DMWCJS

Cj ymu gmdndasht fml` tm wmrk idg gmdndasht fibb cd it sml` pmcdt w` hiv` th` rcaht tm g`t`rlcd`thit ymundashr` dmt fmlcda nifk Whus mur rub` cs thit udiuthmrcz`g ins`df`s mj thr`` mrlmr` fmds`futcv` giys wcthmut dmtcf` wcbb n` fmdscg`r`g is i vmbudtiry t`rlcditcmd idg

w` wcbb r`lmv` ymu jrml th` piyrmbb

Cj ymu ir` r`p`it`gby ins`dt wcthmut iuthmrczitcmd ymu fmubg n` suno`ft tm fmuds`bcdasusp`dscmd idg t`rlcditcmd

CDFBLDW QIWH^

Gurcda cdfb`l`dt w`ith`r ymu shmubg fibb tm dg mut wh`th`r tm r`pmrt tm wmrk Ibsmwhcb`th` w`ith`r liy n` dcf` wh`r` ymu ir` hizirgmus w`ith`r fmdgctcmds fmubg `xcst it mr

d`ir th` wmrkpbif Cj ymu kdmw hizirgmus fmdgctcmds hiv` n``d r`pmrt`g cd th` ir`iprmt`ft ymurs`bj idg fibb wmrk rst

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INVDF UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Smur tcl`by itt`dgidf` it wmrk cs frufcib tm likcda th` nuscd`ss rud slmmthby Q`lust l``t prmguftcmd r`qucr`l`dts tm sitcsjy mur fustml`rndashs g`lidgs Smu d``g tmgm ymur pirt cd ifhc`vcda thcs amib idg md` wiy cs tm licdticd i ammg itt`dgidf`r`fmrg Idy ins`df` mr tirgcd`ss n`fml`s i pirt mj ymur `lpbmyl`dt r`fmrg

UPDFWPIBCWS YPC^LDWV

lpbmy``s ir` `xp`ft`g tm n` it th`cr wmrk stitcmds md tcl` Wirgcd`ss cs g` d`g isn`cda it ymur wmrk stitcmd it b`ist lcdut`s pist ymur sfh`gub`g stirt tcl` Smushmubg ibsm dmtcjy th` ipprmprmit` p`rsmd wh`d ymu kdmw ymu liy n` bit` jmr wmrkN`cda md tcl` lik`s ct `isc`r jmr ibb mj us n`fius` tirgcd`ss hcdg`rs t`ilwmrk ilmda`lpbmy``s N`cda tirgy jmr wmrk mr b`ivcda th` omn stitcmd n`jmr` qucttcda tcl` wcbb n`fmdscg`r`g fius` jmr fmrr`ftv` iftcmd

FMPDWCDA INVDFV

H`r` ir` th` rub`s jmr hmw ins`df`s wcbb n` fmudt`gId udsfh`gub`g ins`df` jmr it b`ist md`-hibj th` wmrkgiy wcbb n` fmudt`g ismd` mffur`df`Id ins`df` jmr md` mr lmr` fmds`futcv` wmrkgiys wcbb n` fmdscg`r`g md`mffur`df` Jmr `xilpb` cj ymundashr` mut twm fmds`futcv` giys thit wcbb fmudt ismd` mffur`df`Cj id `lpbmy`` r`turds jrml id ins`df` (gu` tm id cbbd`ss) idg am`s mutiaicd gu` tm th` sil` cbbd`ss ijt`r n`cda it wmrk jmr dm lmr` thid md` giyth`d th` ins`df` wcbb n` fmudt`g is md` mffur`df`

^`p`it`g mffur`df`s wcbb r`subt cd v`rnib fmuds`bcda wrctt`d fmuds`bcda idgmrsusp`dscmd mr t`rlcditcmd mj `lpbmyl`dt

U^MFGP^

Cd th` `v`dt thit ymu ir` udinb` tm fml` tm wmrk n` sur` tm fibb cd idg b`t th`ipprmprcit` p`rsmd kdmw cd igvidf` wh`r` pmsscnb` nut dm bit`r thid ymur r`aubirstirtcda tcl` sm thit irrida`l`dts jmr mth`r h`bp fid n` lig`

Zifitcmd giys lust n` sfh`gub`g it b`ist hmurs cd igvidf` cd fis`s mj `l`ra`dfylpbmy``s liy n` aridt`g `xfus`g ins`df`s jmr scfkd`sscbbd`ss wh`d th` ipprmprcit`

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VMP^FV | UMBCFS

p`rsmd cs dmtc `g prcmr tm th` stirt mj wmrk Ur`-sfh`gub`g l`gcfibprmj`sscmdibippmcdtl`dts (biwy`rs fb`ray fmuds`bmrs `tf) mr mth`r fmlp`bbcda r`ismds wcth prcmrsup`rvcsmry ipprmvib liy ibsm n` fmdscg`r`g is `xfus`g ins`ds`s Ins`ds` mj thr``mj lmr` fmds`futcv` sfh`gub`g wmrkcda giys wcthmut dmtcjycda th` ipprmprcit` p`rsmd

wcbb n` fmdsg`r`g is i vmbudtiry t`rlcditcmd idg ymu wcbb n` r`lmv`g jrml piyrmbb

IPWH^MC_G INVDF GMFPLDWIWCMD

Q` liy r`qucr` gmful`dtitcmd mj iuthmrcz`g r`ismds jmr ins`df` sufh is scfk b`iv`mr oury guty idg liy ibsm v`rtcjy th` gmful`dtitcmd wh`r` ipprmprcit`

CDFBLDW QIWH^

Wh` jifcbcty lust fmdtcdu` tm mp`rit` gurcda p`rcmgs mj nig w`ith`r Whus th` d``gjmr `lpbmy``s tm n` md th` omn gurcda sufh `l`ra`dfc`s cs mj pirilmudt clpmrtidf`Smu ir` `xp`ft`g tm lik` `v`ry `jjmrt tm r`pmrt jmr wmrk Cj ymu gm dmt r`pmrt jmr wmrkwh`d sfh`gub`g gurcda i w`ith`r `l`ra`dfy ymu wcbb n` fmdscg`r`g ins`dt

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FMG MJ WH

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VMP^FV | UMBCFS

FMLUIDS DIL wcbb fmdguft cts nuscd`ss hmd`stby idg `thcfibby wh`r`v`r w` mp`rit`cd th` wmrbg Q` wcbb fmdstidtby clprmv` th` quibcty mj mur s`rvcf`s prmgufts idgmp`ritcmds idg wcbb fr`it` i r`putitcmd jmr hmd`sty jicrd`ss r`sp`ft r`spmdscncbcty

cdt`arcty trust idg smudg nuscd`ss ougal`dt Dm cbb`aib mr ud`thcfib fmdguft md th`pirt mj mj f`rs gcr`ftmrs `lpbmy``s mr ij bcit`s cs cd th` fmlpidyndashs n`st cdt`r`stFMLUIDS DIL wcbb dmt fmlprmlcs` cts prcdfcpb`s jmr shmrt-t`rl igvidtia` Wh``thcfib p`rjmrlidf` mj thcs fmlpidy cs th` sul mj th` `thcfs mj th` l`d idg wml`dwhm wmrk h`r` Whus w` ir` ibb `xp`ft`g tm igh`r` tm hcah stidgirgs mj p`rsmdibcdt`arcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj th` fmlpidy lust d`v`r p`rlct th`cr p`rsmdibcdt`r`sts tm fmd cft mr ipp`ir tm fmd cft wcth th` cdt`r`sts mj th` fmlpidy cts fbc`dts

mr ij bcit`s Mj f`rs gcr`ftmrs idg `lpbmy``s lust n` pirtcfubirby fir`jub tm ivmcgr`pr`s`dtcda FMLUIDS DIL cd idy tridsiftcmd wcth mth`rs wcth whml th`r` cs idymutscg` nuscd`ss ij bcitcmd mr r`bitcmdshcp Mj f`rs gcr`ftmrs idg lpbmy``s shibbivmcg uscda th`cr fmlpidy fmdtifts tm igvidf` th`cr prcvit` nuscd`ss mr p`rsmdibcdt`r`sts it th` `xp`ds` mj th` fmlpidy cts fbc`dts mr ij bcit`s

Dm nrcn`s kcfknifks mr mth`r sclcbir r`lud`ritcmd mr fmdscg`ritcmd shibb n` acv`d tmidy p`rsmd mr mraidczitcmd cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty Mj f`rsgcr`ftmrs idg `lpbmy``s shibb ivmcg acjts aritutct`s j``s nmdus`s mr `xf`sscv`

`dt`rticdl`dt cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb mjt`d fml` cdtm fmdtiftwcth mr hiv` pmss`sscmd mj prmprc`tiry fmd g`dtcib mr nuscd`ss-s`dsctcv` cdjmrlitcmdidg lust tik` ipprmprcit` st`ps tm issur` thit sufh cdjmrlitcmd cs strcftby sij`auirg`gWhcs cdjmrlitcmd - wh`th`r ct cs md n`hibj mj mur fmlpidy mr idy mj mur fbc`dtsmr ij bcit`s - fmubg cdfbug` strit`acf nuscd`ss pbids mp`ritcda r`subts lirk`tcdastrit`ac`s fustml`r bcsts p`rsmdd`bb r`fmrgs upfmlcda ifqucsctcmds mr gcv`stctur`sd`w cdv`stl`dts idg lidujifturcda fmsts prmf`ss`ss idg l`thmgs Urmprc`tiry

fmd g`dtcib idg s`dscstcv` nuscd`ss cdjmrlitcmd inmut thcs fmlpidy mth`r fmlpidc`scdgcvcguibs idg `dtctc`s shmubg n` tr`it`g wcth s`dsctcvcty idg gcsfr`tcmd idg mdby n`gcss`lcdit`g md i d``g-tm-kdm niscs

Lcsus` mj lit`rcib cdscg` cdjmrlitcmd cd fmdd`ftcmd wcth trigcda cd th` fmlpidyndashss`furctc`s fid `xpms` id cdgcvcguib tm fcvcb bcincbcty idg p`dibtc`s udg`r th` IFW Pdg`rthcs Ift gcr`ftmrs mj f`rs idg `lpbmy``s cd pmss`sscmd mj lit`rcib cdjmrlitcmd dmtivicbinb` tm th` punbcf ir` ‒cdscg`rsldquo Vpmus`s jrc`dgs suppbc`rs nrmk`rs idg mth`rsmutscg` th` fmlpidy whm liy hiv` ifqucr`g th` cdjmrlitcmd gcr`ftby mr cdgcr`ftby

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FMG MJ WH

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VMP^FV | UMBCFS

jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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VMP^FV | UMBCFS

FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

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Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

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LUBMSLDW IW QCBB UMBCFS

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MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

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VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VMP^FV | UMBCFS

JICBP^ WM DMWCJS

Cj ymu gmdndasht fml` tm wmrk idg gmdndasht fibb cd it sml` pmcdt w` hiv` th` rcaht tm g`t`rlcd`thit ymundashr` dmt fmlcda nifk Whus mur rub` cs thit udiuthmrcz`g ins`df`s mj thr`` mrlmr` fmds`futcv` giys wcthmut dmtcf` wcbb n` fmdscg`r`g is i vmbudtiry t`rlcditcmd idg

w` wcbb r`lmv` ymu jrml th` piyrmbb

Cj ymu ir` r`p`it`gby ins`dt wcthmut iuthmrczitcmd ymu fmubg n` suno`ft tm fmuds`bcdasusp`dscmd idg t`rlcditcmd

CDFBLDW QIWH^

Gurcda cdfb`l`dt w`ith`r ymu shmubg fibb tm dg mut wh`th`r tm r`pmrt tm wmrk Ibsmwhcb`th` w`ith`r liy n` dcf` wh`r` ymu ir` hizirgmus w`ith`r fmdgctcmds fmubg `xcst it mr

d`ir th` wmrkpbif Cj ymu kdmw hizirgmus fmdgctcmds hiv` n``d r`pmrt`g cd th` ir`iprmt`ft ymurs`bj idg fibb wmrk rst

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INVDF UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Smur tcl`by itt`dgidf` it wmrk cs frufcib tm likcda th` nuscd`ss rud slmmthby Q`lust l``t prmguftcmd r`qucr`l`dts tm sitcsjy mur fustml`rndashs g`lidgs Smu d``g tmgm ymur pirt cd ifhc`vcda thcs amib idg md` wiy cs tm licdticd i ammg itt`dgidf`r`fmrg Idy ins`df` mr tirgcd`ss n`fml`s i pirt mj ymur `lpbmyl`dt r`fmrg

UPDFWPIBCWS YPC^LDWV

lpbmy``s ir` `xp`ft`g tm n` it th`cr wmrk stitcmds md tcl` Wirgcd`ss cs g` d`g isn`cda it ymur wmrk stitcmd it b`ist lcdut`s pist ymur sfh`gub`g stirt tcl` Smushmubg ibsm dmtcjy th` ipprmprmit` p`rsmd wh`d ymu kdmw ymu liy n` bit` jmr wmrkN`cda md tcl` lik`s ct `isc`r jmr ibb mj us n`fius` tirgcd`ss hcdg`rs t`ilwmrk ilmda`lpbmy``s N`cda tirgy jmr wmrk mr b`ivcda th` omn stitcmd n`jmr` qucttcda tcl` wcbb n`fmdscg`r`g fius` jmr fmrr`ftv` iftcmd

FMPDWCDA INVDFV

H`r` ir` th` rub`s jmr hmw ins`df`s wcbb n` fmudt`gId udsfh`gub`g ins`df` jmr it b`ist md`-hibj th` wmrkgiy wcbb n` fmudt`g ismd` mffur`df`Id ins`df` jmr md` mr lmr` fmds`futcv` wmrkgiys wcbb n` fmdscg`r`g md`mffur`df` Jmr `xilpb` cj ymundashr` mut twm fmds`futcv` giys thit wcbb fmudt ismd` mffur`df`Cj id `lpbmy`` r`turds jrml id ins`df` (gu` tm id cbbd`ss) idg am`s mutiaicd gu` tm th` sil` cbbd`ss ijt`r n`cda it wmrk jmr dm lmr` thid md` giyth`d th` ins`df` wcbb n` fmudt`g is md` mffur`df`

^`p`it`g mffur`df`s wcbb r`subt cd v`rnib fmuds`bcda wrctt`d fmuds`bcda idgmrsusp`dscmd mr t`rlcditcmd mj `lpbmyl`dt

U^MFGP^

Cd th` `v`dt thit ymu ir` udinb` tm fml` tm wmrk n` sur` tm fibb cd idg b`t th`ipprmprcit` p`rsmd kdmw cd igvidf` wh`r` pmsscnb` nut dm bit`r thid ymur r`aubirstirtcda tcl` sm thit irrida`l`dts jmr mth`r h`bp fid n` lig`

Zifitcmd giys lust n` sfh`gub`g it b`ist hmurs cd igvidf` cd fis`s mj `l`ra`dfylpbmy``s liy n` aridt`g `xfus`g ins`df`s jmr scfkd`sscbbd`ss wh`d th` ipprmprcit`

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VMP^FV | UMBCFS

p`rsmd cs dmtc `g prcmr tm th` stirt mj wmrk Ur`-sfh`gub`g l`gcfibprmj`sscmdibippmcdtl`dts (biwy`rs fb`ray fmuds`bmrs `tf) mr mth`r fmlp`bbcda r`ismds wcth prcmrsup`rvcsmry ipprmvib liy ibsm n` fmdscg`r`g is `xfus`g ins`ds`s Ins`ds` mj thr``mj lmr` fmds`futcv` sfh`gub`g wmrkcda giys wcthmut dmtcjycda th` ipprmprcit` p`rsmd

wcbb n` fmdsg`r`g is i vmbudtiry t`rlcditcmd idg ymu wcbb n` r`lmv`g jrml piyrmbb

IPWH^MC_G INVDF GMFPLDWIWCMD

Q` liy r`qucr` gmful`dtitcmd mj iuthmrcz`g r`ismds jmr ins`df` sufh is scfk b`iv`mr oury guty idg liy ibsm v`rtcjy th` gmful`dtitcmd wh`r` ipprmprcit`

CDFBLDW QIWH^

Wh` jifcbcty lust fmdtcdu` tm mp`rit` gurcda p`rcmgs mj nig w`ith`r Whus th` d``gjmr `lpbmy``s tm n` md th` omn gurcda sufh `l`ra`dfc`s cs mj pirilmudt clpmrtidf`Smu ir` `xp`ft`g tm lik` `v`ry `jjmrt tm r`pmrt jmr wmrk Cj ymu gm dmt r`pmrt jmr wmrkwh`d sfh`gub`g gurcda i w`ith`r `l`ra`dfy ymu wcbb n` fmdscg`r`g ins`dt

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VMP^FV | UMBCFS

FMLUIDS DIL wcbb fmdguft cts nuscd`ss hmd`stby idg `thcfibby wh`r`v`r w` mp`rit`cd th` wmrbg Q` wcbb fmdstidtby clprmv` th` quibcty mj mur s`rvcf`s prmgufts idgmp`ritcmds idg wcbb fr`it` i r`putitcmd jmr hmd`sty jicrd`ss r`sp`ft r`spmdscncbcty

cdt`arcty trust idg smudg nuscd`ss ougal`dt Dm cbb`aib mr ud`thcfib fmdguft md th`pirt mj mj f`rs gcr`ftmrs `lpbmy``s mr ij bcit`s cs cd th` fmlpidyndashs n`st cdt`r`stFMLUIDS DIL wcbb dmt fmlprmlcs` cts prcdfcpb`s jmr shmrt-t`rl igvidtia` Wh``thcfib p`rjmrlidf` mj thcs fmlpidy cs th` sul mj th` `thcfs mj th` l`d idg wml`dwhm wmrk h`r` Whus w` ir` ibb `xp`ft`g tm igh`r` tm hcah stidgirgs mj p`rsmdibcdt`arcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj th` fmlpidy lust d`v`r p`rlct th`cr p`rsmdibcdt`r`sts tm fmd cft mr ipp`ir tm fmd cft wcth th` cdt`r`sts mj th` fmlpidy cts fbc`dts

mr ij bcit`s Mj f`rs gcr`ftmrs idg `lpbmy``s lust n` pirtcfubirby fir`jub tm ivmcgr`pr`s`dtcda FMLUIDS DIL cd idy tridsiftcmd wcth mth`rs wcth whml th`r` cs idymutscg` nuscd`ss ij bcitcmd mr r`bitcmdshcp Mj f`rs gcr`ftmrs idg lpbmy``s shibbivmcg uscda th`cr fmlpidy fmdtifts tm igvidf` th`cr prcvit` nuscd`ss mr p`rsmdibcdt`r`sts it th` `xp`ds` mj th` fmlpidy cts fbc`dts mr ij bcit`s

Dm nrcn`s kcfknifks mr mth`r sclcbir r`lud`ritcmd mr fmdscg`ritcmd shibb n` acv`d tmidy p`rsmd mr mraidczitcmd cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty Mj f`rsgcr`ftmrs idg `lpbmy``s shibb ivmcg acjts aritutct`s j``s nmdus`s mr `xf`sscv`

`dt`rticdl`dt cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb mjt`d fml` cdtm fmdtiftwcth mr hiv` pmss`sscmd mj prmprc`tiry fmd g`dtcib mr nuscd`ss-s`dsctcv` cdjmrlitcmdidg lust tik` ipprmprcit` st`ps tm issur` thit sufh cdjmrlitcmd cs strcftby sij`auirg`gWhcs cdjmrlitcmd - wh`th`r ct cs md n`hibj mj mur fmlpidy mr idy mj mur fbc`dtsmr ij bcit`s - fmubg cdfbug` strit`acf nuscd`ss pbids mp`ritcda r`subts lirk`tcdastrit`ac`s fustml`r bcsts p`rsmdd`bb r`fmrgs upfmlcda ifqucsctcmds mr gcv`stctur`sd`w cdv`stl`dts idg lidujifturcda fmsts prmf`ss`ss idg l`thmgs Urmprc`tiry

fmd g`dtcib idg s`dscstcv` nuscd`ss cdjmrlitcmd inmut thcs fmlpidy mth`r fmlpidc`scdgcvcguibs idg `dtctc`s shmubg n` tr`it`g wcth s`dsctcvcty idg gcsfr`tcmd idg mdby n`gcss`lcdit`g md i d``g-tm-kdm niscs

Lcsus` mj lit`rcib cdscg` cdjmrlitcmd cd fmdd`ftcmd wcth trigcda cd th` fmlpidyndashss`furctc`s fid `xpms` id cdgcvcguib tm fcvcb bcincbcty idg p`dibtc`s udg`r th` IFW Pdg`rthcs Ift gcr`ftmrs mj f`rs idg `lpbmy``s cd pmss`sscmd mj lit`rcib cdjmrlitcmd dmtivicbinb` tm th` punbcf ir` ‒cdscg`rsldquo Vpmus`s jrc`dgs suppbc`rs nrmk`rs idg mth`rsmutscg` th` fmlpidy whm liy hiv` ifqucr`g th` cdjmrlitcmd gcr`ftby mr cdgcr`ftby

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FMG MJ WH

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jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

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7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

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UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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INVDF UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Smur tcl`by itt`dgidf` it wmrk cs frufcib tm likcda th` nuscd`ss rud slmmthby Q`lust l``t prmguftcmd r`qucr`l`dts tm sitcsjy mur fustml`rndashs g`lidgs Smu d``g tmgm ymur pirt cd ifhc`vcda thcs amib idg md` wiy cs tm licdticd i ammg itt`dgidf`r`fmrg Idy ins`df` mr tirgcd`ss n`fml`s i pirt mj ymur `lpbmyl`dt r`fmrg

UPDFWPIBCWS YPC^LDWV

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FMPDWCDA INVDFV

H`r` ir` th` rub`s jmr hmw ins`df`s wcbb n` fmudt`gId udsfh`gub`g ins`df` jmr it b`ist md`-hibj th` wmrkgiy wcbb n` fmudt`g ismd` mffur`df`Id ins`df` jmr md` mr lmr` fmds`futcv` wmrkgiys wcbb n` fmdscg`r`g md`mffur`df` Jmr `xilpb` cj ymundashr` mut twm fmds`futcv` giys thit wcbb fmudt ismd` mffur`df`Cj id `lpbmy`` r`turds jrml id ins`df` (gu` tm id cbbd`ss) idg am`s mutiaicd gu` tm th` sil` cbbd`ss ijt`r n`cda it wmrk jmr dm lmr` thid md` giyth`d th` ins`df` wcbb n` fmudt`g is md` mffur`df`

^`p`it`g mffur`df`s wcbb r`subt cd v`rnib fmuds`bcda wrctt`d fmuds`bcda idgmrsusp`dscmd mr t`rlcditcmd mj `lpbmyl`dt

U^MFGP^

Cd th` `v`dt thit ymu ir` udinb` tm fml` tm wmrk n` sur` tm fibb cd idg b`t th`ipprmprcit` p`rsmd kdmw cd igvidf` wh`r` pmsscnb` nut dm bit`r thid ymur r`aubirstirtcda tcl` sm thit irrida`l`dts jmr mth`r h`bp fid n` lig`

Zifitcmd giys lust n` sfh`gub`g it b`ist hmurs cd igvidf` cd fis`s mj `l`ra`dfylpbmy``s liy n` aridt`g `xfus`g ins`df`s jmr scfkd`sscbbd`ss wh`d th` ipprmprcit`

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VMP^FV | UMBCFS

p`rsmd cs dmtc `g prcmr tm th` stirt mj wmrk Ur`-sfh`gub`g l`gcfibprmj`sscmdibippmcdtl`dts (biwy`rs fb`ray fmuds`bmrs `tf) mr mth`r fmlp`bbcda r`ismds wcth prcmrsup`rvcsmry ipprmvib liy ibsm n` fmdscg`r`g is `xfus`g ins`ds`s Ins`ds` mj thr``mj lmr` fmds`futcv` sfh`gub`g wmrkcda giys wcthmut dmtcjycda th` ipprmprcit` p`rsmd

wcbb n` fmdsg`r`g is i vmbudtiry t`rlcditcmd idg ymu wcbb n` r`lmv`g jrml piyrmbb

IPWH^MC_G INVDF GMFPLDWIWCMD

Q` liy r`qucr` gmful`dtitcmd mj iuthmrcz`g r`ismds jmr ins`df` sufh is scfk b`iv`mr oury guty idg liy ibsm v`rtcjy th` gmful`dtitcmd wh`r` ipprmprcit`

CDFBLDW QIWH^

Wh` jifcbcty lust fmdtcdu` tm mp`rit` gurcda p`rcmgs mj nig w`ith`r Whus th` d``gjmr `lpbmy``s tm n` md th` omn gurcda sufh `l`ra`dfc`s cs mj pirilmudt clpmrtidf`Smu ir` `xp`ft`g tm lik` `v`ry `jjmrt tm r`pmrt jmr wmrk Cj ymu gm dmt r`pmrt jmr wmrkwh`d sfh`gub`g gurcda i w`ith`r `l`ra`dfy ymu wcbb n` fmdscg`r`g ins`dt

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FMLUIDS DIL wcbb fmdguft cts nuscd`ss hmd`stby idg `thcfibby wh`r`v`r w` mp`rit`cd th` wmrbg Q` wcbb fmdstidtby clprmv` th` quibcty mj mur s`rvcf`s prmgufts idgmp`ritcmds idg wcbb fr`it` i r`putitcmd jmr hmd`sty jicrd`ss r`sp`ft r`spmdscncbcty

cdt`arcty trust idg smudg nuscd`ss ougal`dt Dm cbb`aib mr ud`thcfib fmdguft md th`pirt mj mj f`rs gcr`ftmrs `lpbmy``s mr ij bcit`s cs cd th` fmlpidyndashs n`st cdt`r`stFMLUIDS DIL wcbb dmt fmlprmlcs` cts prcdfcpb`s jmr shmrt-t`rl igvidtia` Wh``thcfib p`rjmrlidf` mj thcs fmlpidy cs th` sul mj th` `thcfs mj th` l`d idg wml`dwhm wmrk h`r` Whus w` ir` ibb `xp`ft`g tm igh`r` tm hcah stidgirgs mj p`rsmdibcdt`arcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj th` fmlpidy lust d`v`r p`rlct th`cr p`rsmdibcdt`r`sts tm fmd cft mr ipp`ir tm fmd cft wcth th` cdt`r`sts mj th` fmlpidy cts fbc`dts

mr ij bcit`s Mj f`rs gcr`ftmrs idg `lpbmy``s lust n` pirtcfubirby fir`jub tm ivmcgr`pr`s`dtcda FMLUIDS DIL cd idy tridsiftcmd wcth mth`rs wcth whml th`r` cs idymutscg` nuscd`ss ij bcitcmd mr r`bitcmdshcp Mj f`rs gcr`ftmrs idg lpbmy``s shibbivmcg uscda th`cr fmlpidy fmdtifts tm igvidf` th`cr prcvit` nuscd`ss mr p`rsmdibcdt`r`sts it th` `xp`ds` mj th` fmlpidy cts fbc`dts mr ij bcit`s

Dm nrcn`s kcfknifks mr mth`r sclcbir r`lud`ritcmd mr fmdscg`ritcmd shibb n` acv`d tmidy p`rsmd mr mraidczitcmd cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty Mj f`rsgcr`ftmrs idg `lpbmy``s shibb ivmcg acjts aritutct`s j``s nmdus`s mr `xf`sscv`

`dt`rticdl`dt cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb mjt`d fml` cdtm fmdtiftwcth mr hiv` pmss`sscmd mj prmprc`tiry fmd g`dtcib mr nuscd`ss-s`dsctcv` cdjmrlitcmdidg lust tik` ipprmprcit` st`ps tm issur` thit sufh cdjmrlitcmd cs strcftby sij`auirg`gWhcs cdjmrlitcmd - wh`th`r ct cs md n`hibj mj mur fmlpidy mr idy mj mur fbc`dtsmr ij bcit`s - fmubg cdfbug` strit`acf nuscd`ss pbids mp`ritcda r`subts lirk`tcdastrit`ac`s fustml`r bcsts p`rsmdd`bb r`fmrgs upfmlcda ifqucsctcmds mr gcv`stctur`sd`w cdv`stl`dts idg lidujifturcda fmsts prmf`ss`ss idg l`thmgs Urmprc`tiry

fmd g`dtcib idg s`dscstcv` nuscd`ss cdjmrlitcmd inmut thcs fmlpidy mth`r fmlpidc`scdgcvcguibs idg `dtctc`s shmubg n` tr`it`g wcth s`dsctcvcty idg gcsfr`tcmd idg mdby n`gcss`lcdit`g md i d``g-tm-kdm niscs

Lcsus` mj lit`rcib cdscg` cdjmrlitcmd cd fmdd`ftcmd wcth trigcda cd th` fmlpidyndashss`furctc`s fid `xpms` id cdgcvcguib tm fcvcb bcincbcty idg p`dibtc`s udg`r th` IFW Pdg`rthcs Ift gcr`ftmrs mj f`rs idg `lpbmy``s cd pmss`sscmd mj lit`rcib cdjmrlitcmd dmtivicbinb` tm th` punbcf ir` ‒cdscg`rsldquo Vpmus`s jrc`dgs suppbc`rs nrmk`rs idg mth`rsmutscg` th` fmlpidy whm liy hiv` ifqucr`g th` cdjmrlitcmd gcr`ftby mr cdgcr`ftby

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jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

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VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VMP^FV | UMBCFS

p`rsmd cs dmtc `g prcmr tm th` stirt mj wmrk Ur`-sfh`gub`g l`gcfibprmj`sscmdibippmcdtl`dts (biwy`rs fb`ray fmuds`bmrs `tf) mr mth`r fmlp`bbcda r`ismds wcth prcmrsup`rvcsmry ipprmvib liy ibsm n` fmdscg`r`g is `xfus`g ins`ds`s Ins`ds` mj thr``mj lmr` fmds`futcv` sfh`gub`g wmrkcda giys wcthmut dmtcjycda th` ipprmprcit` p`rsmd

wcbb n` fmdsg`r`g is i vmbudtiry t`rlcditcmd idg ymu wcbb n` r`lmv`g jrml piyrmbb

IPWH^MC_G INVDF GMFPLDWIWCMD

Q` liy r`qucr` gmful`dtitcmd mj iuthmrcz`g r`ismds jmr ins`df` sufh is scfk b`iv`mr oury guty idg liy ibsm v`rtcjy th` gmful`dtitcmd wh`r` ipprmprcit`

CDFBLDW QIWH^

Wh` jifcbcty lust fmdtcdu` tm mp`rit` gurcda p`rcmgs mj nig w`ith`r Whus th` d``gjmr `lpbmy``s tm n` md th` omn gurcda sufh `l`ra`dfc`s cs mj pirilmudt clpmrtidf`Smu ir` `xp`ft`g tm lik` `v`ry `jjmrt tm r`pmrt jmr wmrk Cj ymu gm dmt r`pmrt jmr wmrkwh`d sfh`gub`g gurcda i w`ith`r `l`ra`dfy ymu wcbb n` fmdscg`r`g ins`dt

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FMG MJ WH

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VMP^FV | UMBCFS

FMLUIDS DIL wcbb fmdguft cts nuscd`ss hmd`stby idg `thcfibby wh`r`v`r w` mp`rit`cd th` wmrbg Q` wcbb fmdstidtby clprmv` th` quibcty mj mur s`rvcf`s prmgufts idgmp`ritcmds idg wcbb fr`it` i r`putitcmd jmr hmd`sty jicrd`ss r`sp`ft r`spmdscncbcty

cdt`arcty trust idg smudg nuscd`ss ougal`dt Dm cbb`aib mr ud`thcfib fmdguft md th`pirt mj mj f`rs gcr`ftmrs `lpbmy``s mr ij bcit`s cs cd th` fmlpidyndashs n`st cdt`r`stFMLUIDS DIL wcbb dmt fmlprmlcs` cts prcdfcpb`s jmr shmrt-t`rl igvidtia` Wh``thcfib p`rjmrlidf` mj thcs fmlpidy cs th` sul mj th` `thcfs mj th` l`d idg wml`dwhm wmrk h`r` Whus w` ir` ibb `xp`ft`g tm igh`r` tm hcah stidgirgs mj p`rsmdibcdt`arcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj th` fmlpidy lust d`v`r p`rlct th`cr p`rsmdibcdt`r`sts tm fmd cft mr ipp`ir tm fmd cft wcth th` cdt`r`sts mj th` fmlpidy cts fbc`dts

mr ij bcit`s Mj f`rs gcr`ftmrs idg `lpbmy``s lust n` pirtcfubirby fir`jub tm ivmcgr`pr`s`dtcda FMLUIDS DIL cd idy tridsiftcmd wcth mth`rs wcth whml th`r` cs idymutscg` nuscd`ss ij bcitcmd mr r`bitcmdshcp Mj f`rs gcr`ftmrs idg lpbmy``s shibbivmcg uscda th`cr fmlpidy fmdtifts tm igvidf` th`cr prcvit` nuscd`ss mr p`rsmdibcdt`r`sts it th` `xp`ds` mj th` fmlpidy cts fbc`dts mr ij bcit`s

Dm nrcn`s kcfknifks mr mth`r sclcbir r`lud`ritcmd mr fmdscg`ritcmd shibb n` acv`d tmidy p`rsmd mr mraidczitcmd cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty Mj f`rsgcr`ftmrs idg `lpbmy``s shibb ivmcg acjts aritutct`s j``s nmdus`s mr `xf`sscv`

`dt`rticdl`dt cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb mjt`d fml` cdtm fmdtiftwcth mr hiv` pmss`sscmd mj prmprc`tiry fmd g`dtcib mr nuscd`ss-s`dsctcv` cdjmrlitcmdidg lust tik` ipprmprcit` st`ps tm issur` thit sufh cdjmrlitcmd cs strcftby sij`auirg`gWhcs cdjmrlitcmd - wh`th`r ct cs md n`hibj mj mur fmlpidy mr idy mj mur fbc`dtsmr ij bcit`s - fmubg cdfbug` strit`acf nuscd`ss pbids mp`ritcda r`subts lirk`tcdastrit`ac`s fustml`r bcsts p`rsmdd`bb r`fmrgs upfmlcda ifqucsctcmds mr gcv`stctur`sd`w cdv`stl`dts idg lidujifturcda fmsts prmf`ss`ss idg l`thmgs Urmprc`tiry

fmd g`dtcib idg s`dscstcv` nuscd`ss cdjmrlitcmd inmut thcs fmlpidy mth`r fmlpidc`scdgcvcguibs idg `dtctc`s shmubg n` tr`it`g wcth s`dsctcvcty idg gcsfr`tcmd idg mdby n`gcss`lcdit`g md i d``g-tm-kdm niscs

Lcsus` mj lit`rcib cdscg` cdjmrlitcmd cd fmdd`ftcmd wcth trigcda cd th` fmlpidyndashss`furctc`s fid `xpms` id cdgcvcguib tm fcvcb bcincbcty idg p`dibtc`s udg`r th` IFW Pdg`rthcs Ift gcr`ftmrs mj f`rs idg `lpbmy``s cd pmss`sscmd mj lit`rcib cdjmrlitcmd dmtivicbinb` tm th` punbcf ir` ‒cdscg`rsldquo Vpmus`s jrc`dgs suppbc`rs nrmk`rs idg mth`rsmutscg` th` fmlpidy whm liy hiv` ifqucr`g th` cdjmrlitcmd gcr`ftby mr cdgcr`ftby

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FMG MJ WH

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VMP^FV | UMBCFS

jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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VMP^FV | UMBCFS

FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMG MJ WH

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL wcbb fmdguft cts nuscd`ss hmd`stby idg `thcfibby wh`r`v`r w` mp`rit`cd th` wmrbg Q` wcbb fmdstidtby clprmv` th` quibcty mj mur s`rvcf`s prmgufts idgmp`ritcmds idg wcbb fr`it` i r`putitcmd jmr hmd`sty jicrd`ss r`sp`ft r`spmdscncbcty

cdt`arcty trust idg smudg nuscd`ss ougal`dt Dm cbb`aib mr ud`thcfib fmdguft md th`pirt mj mj f`rs gcr`ftmrs `lpbmy``s mr ij bcit`s cs cd th` fmlpidyndashs n`st cdt`r`stFMLUIDS DIL wcbb dmt fmlprmlcs` cts prcdfcpb`s jmr shmrt-t`rl igvidtia` Wh``thcfib p`rjmrlidf` mj thcs fmlpidy cs th` sul mj th` `thcfs mj th` l`d idg wml`dwhm wmrk h`r` Whus w` ir` ibb `xp`ft`g tm igh`r` tm hcah stidgirgs mj p`rsmdibcdt`arcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj th` fmlpidy lust d`v`r p`rlct th`cr p`rsmdibcdt`r`sts tm fmd cft mr ipp`ir tm fmd cft wcth th` cdt`r`sts mj th` fmlpidy cts fbc`dts

mr ij bcit`s Mj f`rs gcr`ftmrs idg `lpbmy``s lust n` pirtcfubirby fir`jub tm ivmcgr`pr`s`dtcda FMLUIDS DIL cd idy tridsiftcmd wcth mth`rs wcth whml th`r` cs idymutscg` nuscd`ss ij bcitcmd mr r`bitcmdshcp Mj f`rs gcr`ftmrs idg lpbmy``s shibbivmcg uscda th`cr fmlpidy fmdtifts tm igvidf` th`cr prcvit` nuscd`ss mr p`rsmdibcdt`r`sts it th` `xp`ds` mj th` fmlpidy cts fbc`dts mr ij bcit`s

Dm nrcn`s kcfknifks mr mth`r sclcbir r`lud`ritcmd mr fmdscg`ritcmd shibb n` acv`d tmidy p`rsmd mr mraidczitcmd cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty Mj f`rsgcr`ftmrs idg `lpbmy``s shibb ivmcg acjts aritutct`s j``s nmdus`s mr `xf`sscv`

`dt`rticdl`dt cd mrg`r tm ittrift mr cd u`df` nuscd`ss iftcvcty

Mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb mjt`d fml` cdtm fmdtiftwcth mr hiv` pmss`sscmd mj prmprc`tiry fmd g`dtcib mr nuscd`ss-s`dsctcv` cdjmrlitcmdidg lust tik` ipprmprcit` st`ps tm issur` thit sufh cdjmrlitcmd cs strcftby sij`auirg`gWhcs cdjmrlitcmd - wh`th`r ct cs md n`hibj mj mur fmlpidy mr idy mj mur fbc`dtsmr ij bcit`s - fmubg cdfbug` strit`acf nuscd`ss pbids mp`ritcda r`subts lirk`tcdastrit`ac`s fustml`r bcsts p`rsmdd`bb r`fmrgs upfmlcda ifqucsctcmds mr gcv`stctur`sd`w cdv`stl`dts idg lidujifturcda fmsts prmf`ss`ss idg l`thmgs Urmprc`tiry

fmd g`dtcib idg s`dscstcv` nuscd`ss cdjmrlitcmd inmut thcs fmlpidy mth`r fmlpidc`scdgcvcguibs idg `dtctc`s shmubg n` tr`it`g wcth s`dsctcvcty idg gcsfr`tcmd idg mdby n`gcss`lcdit`g md i d``g-tm-kdm niscs

Lcsus` mj lit`rcib cdscg` cdjmrlitcmd cd fmdd`ftcmd wcth trigcda cd th` fmlpidyndashss`furctc`s fid `xpms` id cdgcvcguib tm fcvcb bcincbcty idg p`dibtc`s udg`r th` IFW Pdg`rthcs Ift gcr`ftmrs mj f`rs idg `lpbmy``s cd pmss`sscmd mj lit`rcib cdjmrlitcmd dmtivicbinb` tm th` punbcf ir` ‒cdscg`rsldquo Vpmus`s jrc`dgs suppbc`rs nrmk`rs idg mth`rsmutscg` th` fmlpidy whm liy hiv` ifqucr`g th` cdjmrlitcmd gcr`ftby mr cdgcr`ftby

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FMG MJ WH

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VMP^FV | UMBCFS

jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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VMP^FV | UMBCFS

FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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LUBMSLDW IW QCBB UMBCFS

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MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

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Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMG MJ WH

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

jrml i gcr`ftmr mj f`r mr `lpbmy`` ir` ibsm ‒cdscg`rsldquo Wh` Ift prmhcncts cdscg`rsjrml trigcda cd mr r`fmll`dgcda th` sib` mr purfhis` mj th` fmlpidyndashs s`furctc`swhcb` sufh cdscg` cdjmrlitcmd cs r`airg`g is ‒lit`rcibldquo mr cj ct cs clpmrtidt `dmuah tmcd u`df` ymu mr idy mth`r p`rsmd cd th` purfhis` mr sib` mj s`furctc`s mj idy fmlpidy

wcth whcfh w` gm nuscd`ss whcfh fmbg n` ijj`ft`g ny th` cdscg` cdjmrlitcmd Wh`jmbbmwcda aucg`bcd`s shmubg n` jmbbmw`g cd g`ibcda wcth cdscg` cdjmrlitcmd

Pdtcb th` lit`rcib cdjmrlitcmd his n``d punbcfibby r`b`is`g ny th` fmlpidyid `lpbmy`` lust dmt gcsfbms` ct tm idymd` `xf`pt thms` wcthcd th` fmlpidywhms` pmsctcmds r`qucr` us` mj th` cdjmrlitcmdlpbmy``s lust dmt nuy mr s`bb th` fmlpidyndashs s`furctc`s wh`d th`y hiv`kdmwb`ga` mj lit`rcib cdjmrlitcmd fmdf`rdcda th` flpidy udtcb ct his n``dgcsfbms`g tm th` punbcf idg th` punbcf his hig suj fc`dt tcl` tm insmrn th`

cdjmrlitcmdlpbmy``s shibb dmt nuy mr s`bb s`furctc`s mj idmth`r fmrpmritcmd th` vibu`mj whcfh cs bck`by tm n` ijj`ft`g ny id itcmd ny th` fmlpidy mj whcfh th``lpbmy`` cs iwir` idg whcfh his dmt n``d punbcfibby gcsfbms`g

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb s``k tm r`pmrt ibb cdjmrlitcmd iffurit`by idghmd`stby idg is mth`rwcs` r`qucr`g ny ippbcfinb` r`pmrtcda r`qucr`l`dts

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`jricd jrml aith`rcda fmlp`tctmr cdt`bbca`dfy

ny cbb`actilit` l`ids idg r`jricd jrml iftcda md kdmwb`ga` whcfh his n``d aith`r`gcd sufh i lidd`r Wh` mj f`rs gcr`ftmrs idg `lpbmy``s mj FMLUIDS DIL wcbb s``ktm ivmcg `xiaa`ritcda mr gcspiriacda fmlpircsmds mj th` s`rvcf`s idg fmlp`t`df` mjth`cr fmlp`tctmrs

M f`rs gcr`ftmrs idg `lpbmy``s wcbb mn`y ibb quib lpbmyl`dt Mppmrtudcty biws idgift wcth r`sp`ft idg r`spmdscncbcty tmwirgs mth`rs cd ibb mj th`cr g`ibcdas

Mj f`rs gcr`ftmrs idg `lpbmy``s wcbb r`licd p`rsmdibby nibidf`g sm thit th`cr

p`rsmdib bcj` wcbb dmt cdt`rj`r` wcth th`cr incbcty tm g`bcv`r quibcty prmgufts mr s`rvcf`stm th` fmlpidy idg cts fbc`dts Mj f`rs gcr`ftmrs idg `lpbmy``s iar`` tm gcsfbms`ud`thcfib gcshmd`st jriugub`dt idg cbb`aib n`hivcmr mr th` vcmbitcmd mj fmlpidypmbcfc`s idg prmf`gur`s gcr`ftby th` th` lidia`l`dt

Zcmbitcmd mj thcs Fmg` mj thcfs fid r`subt cd gcsfcpbcd` cdfbugcda pmsscnb` t`rlcditcmdWh` g`ar`` mj gcsfcpbcd` r`bit`s cd pirt tm wh`th`r th`r` wis i vmbudtiry gcsfbmsur` mjidy `thcfib vcmbitcmd idg wh`th`r mr dmt th` vcmbitmr fmmp`rit`g cd idy suns`qu`dtcdv`stcaitcmd ^`l`ln`r thit ammg `thcfs cs ammg nuscd`ss

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VMP^FV | UMBCFS

FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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FMLUPW^ PV UMBCFS

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

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VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VMP^FV | UMBCFS

FMLUPW^ PV UMBCFSVMP^FV | UMBCFS

JM^ WFHDMBMAS ^VMP^FV

Umbcfy r`strcftcda p`rsmdib us` mj `lpbmy`rndashs fmlput`rs idg syst`ls

9 UP^UMV

i) Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``swcth th` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) lik`sivicbinb` tm mur wmrkjmrf` iff`ss tm md` mr lmr` jmrls mj `b`ftrmdcf l`gci idgs`rvcf`s cdfbugcda nut dmt bclct`g tm fmlput`rs smjtwir` prcdt`rs fmpc`rs b`sgitinis`s f`bbubir phmmd` pia`r `licb t`b`phmd`s vmcf`licb jix lifhcd`s`xt`rdib `b`ftrmdcf nubb`tcd nmirgs wcr` s`rvcf`s mdbcd` s`rvcf`s cdtrid`t Cdt`rd`tidg th` Qmrbg Qcg` Q`n

n) FMLUIDS DIL `dfmuria`s th` us` mj th`s` l`gci idg issmfcit`g s`rvcf`sn`fius` th`y fid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius`th`y ir` vibuinb` smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmayidg d`w prmgufts idg s`rvcf`s Hmw`v`r ibb `lpbmy``s idg `v`rymd` fmdd`ft`gwcth th` mraidczitcmd shmubg r`l`ln`r thit `b`ftrmdcf l`gci idg s`rvcf`sprmvcg`g ny th` fmlipdy ir` fmlpidy prmp`rty idg th`cr purpms` cs tm jifcbcit`idg suppmrt fmlpidy nuscd`ss Ibb fmlput`r us`rs hiv` th` r`spmdscncbcty tm us`th`s` r`smurf`s cd i prmj`sscmdib `thcfib idg biwjub lidd`r

f) Wm `dsur` thit ibb `lpbmy``s ir` r`spmdscnb` th` jmbbmwcda aucg`bcd`s hiv`n``d `stinbcsh`g jmr uscda `licb idg th` Cdt`rd`t Dm pmbcfy fid biy gmwd rub`stm fmv`r `v`ry pmsscnb` sctuitcmd Cdst`ig ct cs g`scad`g tm `xpr`ss FMLUIDSDIL phcbmsmphy idg s`t jmrth a`d`rib prcdfcpb`s wh`d uscda `b`ftrmdcf l`gciidg s`rvcf`s

gt IPWHM^C_IWCMD

Iff`ss tm th` FMLUIDS DIL t`fhdmbmay r`smurf`s cs wcthcd th` smb` gcsfr`tcmdmj th` Fmlpidy A`d`ribby `lpbmy``s ir` acv`d iff`ss tm th` Fmlpidyndashs vircmust`fhdmbmac`s nis`g md th`cr omn judftcmds Mdby `lpbmy``s whms` omn p`rjmrlidf` wcbbn`d` t jrml th` us` mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s wcb n` acv`d iff`ss tm th`d`f`ssiry t`fhdmbmay Iggctcmdibby `lpbmy``s lust suff`ssjubby fmlpb`t` fmlpidyipprmv`g tricdcda n`jmr` n`cda acn`d iff`ss tm th` FMLUIDS DIL t`fhdmbmayr`smurf`s

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

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Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

6 U^MHCNCWG FMLLPDCFIWCMDV

b`ftrmdcf l`gci fiddmt n` us`g jmr kdmwcdaby fmpycda tridslcttcda r`trc`vcda mrstmrcda idy fmlludcfitcmd thit cs

Gcsfrclcditmry mr hirisscdaG`rmaitmry tm idy cdgcvcguib mr armupMnsf`d` s`xuibby `xpbcfct pmrdmariphcf g`jilitmry mr thr`it`dcdaCd vcmbitcmd mj idy bcf`ds` amv`rdcda th` us` mj smjtwir`daia`g cd jmr idy purpms` thit cs cbb`aib mr fmdtriry tm FMLUIDS DILpmbcfy mr cd i lidd`r fmdtriry tm th` n`st cdt`r`sts mj th` Fmlpidy cd idywiy thit gcsfbms`s fmd g`dtcib mr prmprc`tiry cdjmrlitcmd mj th` Fmlpidy mrthcrg pirtc`s mr jmr p`rsmdib mr p`fudciry aicd mr

Urmt`ft`g ny fmpyrcahts biws udb`ss th` `lpbmy`` his th` iuthmrndashsp`rlcsscmd mr cs iff`sscda i scdab` fmpy mdby jmr th` `lpbmy``ndashs r`j`r`df`

7 U^MJVVCMDIB FMDVCG^IWCMDV

Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds mv`r th`syst`l Wh` jmbbmwcda aucg`bcd`s ir` suaa`st`g

Lik` ymur fmlludcfitcmds pmsctcv` fmdstruftcv` fmlp`t` jiftuibGmdndasht wrct` wh`d idary idg `gct n`jmr` s`dgcdaN` fir`jub wcth hulmr - th`y fidndasht s`` ymu wcdk -)Ibwiys ivmcg sirfistcf hulmrD`v`r us` ibb fips - thit cs p`rf`cv`g is ‒VHMPWCDAldquoIvmcg n`binmrcda gcsiar``l`dts cd `licb - th`r` cs i tcl` jmr jif`-tm-jif`l``tcdasIbwiys aucg` ymur r`fcpc`dt cd r`spmdgcda ny stitcda whit ymu d``g idg nywh`dUiy itt`dtcmd tm arill`r idg sp`bbcda nmth tm prmt`ft ymur mwd r`putitcmdidg cdt`bbca`df` idg tm ivmcg crrctitcda ymur r`fcpc`dts whm ir` gcstrift`g nyfir`b`ss lcstik`s

0 U^VMDIB PV

Wh` fmlput`rs `b`ftrmdcf l`gci idg s`rvcf`s prmvcg`g ny FMLUIDS DIL ir`prclircby jmr nuscd`ss us` tm isscst `lpbmy``s cd th` p`rjmrlidf` mj th`cr omns Is bmdais p`rsmdib us` gm`s dmt cdt`rj`r` wcth th` `lpbmy``ndashs gutc`s cs dmt gmd` jmr p`fudciryaicd gm`s dmt fmd cft wcth th` Fmlpidyndashs nuscd`ss idg gm`s dmt vcmbit` idy

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

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MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Fmlpidy pmbcfy mffiscmdib mr cdfcg`dtib us` mj `b`ftrmdcf l`gci (s`dgcda mr r`f`cvcda)jmr p`rsmdib dmd-nuscd`ss purpms`s cs udg`rstidginb` idg iff`ptinb` idg ibb sufhus` shmubg n` gmd` cd i lidd`r thit gm`s dmt d`aitcv`by ijj`ft th` syst`lsndash us` jmrth`cr nuscd`ss purpms`s Hmw`v`r `lpbmy``s ir` `xp`ft`g tm g`lmdstrit` i s`ds` mj

r`spmdscncbcty idg dmt inus` thcs prcvcb`a`

Wh` Fmlpidy issul`s dm bcincbcty mr bmss gilia` g`struftcmd ibt`ritcmd gcsfbmsur`mr lcsus` mj idy p`rsmdib giti mr fmlludcfitcmds tridslctt`g mv`r mr stmr`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s Wh` Fmlpidy iff`pts dm r`spmdscncbcty mr bcincbcty jmrth` bmss mr dmd-g`bcv`ry mj idy p`rsmdib `b`ftrmdcf licb mr vmcf`licb fmlludcfitcmdsmr idy p`rsmdib giti stmr`g md idy Fmlpidy prmp`rty Wh` Fmlpidy strmdabygcsfmuria`s `lpbmy``s jrml stmrcda idy p`rsmdib giti md th` Fmlpidyndashs t`fhdmbmayr`smurf`s

IFFVV WM LUBMS FMLLPDCFIWCMDV

i) A`d`ribby `b`ftrmdcf cdjmrlitcmd fr`it`g idgmr fmlludcfit`g ny id`lpbmy`` uscda `licb wmrg prmf`sscda utcbcty prmarils spr`igsh``ts vmcf`licbt`b`phmd`s Cdt`rd`t idg nubb`tcd nmirg syst`l iff`ss idg sclcbir `b`ftrmdcfl`gci cs dmt r`vc`w`g ny th` Fmlpidy Hmw`v`r th` jmbbmwcda fmdgctcmdsshmubg n` dmt`g

FMLUIDS DIL gm`s rmutcd`by aith`r bmas jmr lmst `b`ftrmdcf iftcvctc`s mrlmdctmr `lpbmy`` fmlludcfitcmds gcr`ftby n` ct

c) W`b`phmd` Ps` idg Zmcf`licb ^`fmrgs ir` k`pt mj ibb fibbs lig` jrmlidg tm i acv`d t`b`phmd` `xt`dscmd Ibthmuah th` vmcf`licb cs pisswmrgprmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`t th` pisswmrg idg bcst`d tmvmcf`licb l`ssia`s

cc) b`ftrmdcf Licb b`ftrmdcf licb cs nifk`g-up idg irfhcv`g Ibthmuah

`b`ftrmdcf licb cs pisswmrg prmt`ft`g id iuthmrcz`g iglcdcstritmr fid r`s`tth` pisswmrg idg r`ig `b`ftrmdcf licb

ccc) G`sktmp Jifsclcb` Ps` Fmpc`s mj ibb jisfclcb` tridslcsscmds s`dt idgr`f`cv`g ir` licdticd`g cd th` jisfclcb` s`rv`r

cv) Gmful`dt Ps` ifh gmful`dt stmr`g md Fmlpidy fmlput`rs hisi hcstmry whcfh shmws whcfh us`rs hiv` iff`ss`g th` gmful`dt jmr idypurpms`

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H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

v) Cdt`rd`t Ps` Cdt`rd`t sct`s vcsct`g th` duln`r mj tcl`s vcsct`g idg th`tmtib tcl` fmdd`ft`g tm `ifh sct` cs r`fmrg`g idg p`rcmgcfibby lmdctmr`g

FMLUIDS DIL r`s`rv`s th` rcaht it cts gcsfr`tcmd idg wcthmut dmtcf` tmr`vc`w idy `lpbmy``ndashs `b`ftrmdcf b`s idg l`ssia`s tm th` `xt`dt d`f`ssiry tm`dsur` `b`ftrmdcf l`gci idg s`rvcf`s ir` n`cda us`g cd fmlpbcidf` wcth th` biwthcs pmbcfy idg mth`r fmlpidy pmbcfc`s mr tm cdv`stcait` lcsfmdguft tm bmfit`cdjmrlitcmd mr jmr idy mth`r nuscd`ss purpms`

n) lpbmy``s shmubg udg`rstidg th`r`jmr` thit th`y hiv` dm rcaht mj prcvifywcth r`sp`ft tm idy l`ssia`s mr cdjmrlitcmd fr`it`g mr licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cdfbugcda p`rsmdib cdjmrlitcmd mr l`ssia`s

Iffmrgcdaby cj th`y hiv` s`dsctcv` cdjmrlitcmd tm tridslct th`y shmubg us` mth`rl`ids

Ibb l`ssia`s s`dt idg r`f`cv`g cdfbugcda p`rsmdib l`ssia`s idg ibb giti idgcdjmrlitcmd stmr`g md th` Fmlpidyndashs `b`ftrmdcf-licb syst`l vmcf`licb syst`lmr fmlput`r syst`ls ir Fmlpidy prmp`rty r`airgb`ss mj th` fmdt`dt Is sufhth` Fmlpidy r`s`rv`s th` rcaht tm iff`ss ibb mj cts t`fhdmbmay r`smurf`s cdfbugcdafmlput`rs vmcf`licb idg `b`ftrmdcf-licb syst`ls it idy tcl` cd cts smb`gcsfr`tcmd

Uisswmrgs gm dmt fmdj`r idy rcaht mj prcvify upmd idy `lpbmy`` mj th`Fmlpidy lpbmy``s ir` `xp`ft`g tm licdticd th`cr pisswmrgs is fmd g`dtciblpbmy``s lust dmt shir` pisswmrgs idg lust dmt iff`ss fmwmrk`rsndash syst`lswcthmut xpr`ss iuthmrczitcmd

G`b`tcda mr `riscda cdjmrlitcmd gmful`dts mr l`ssia`s licdticd`g md th`Fmlpidyndashs t`fhdmbmay r`smurf`s cs cd lmst fis`s cd`jj`ftcv` Ibb `lpbmy``sshmubg udg`rstidg thit idy cdjmrlitcmd k`pt md th` Fmlpidyndashs t`fhdmbmay

r`smurf`s liy n` `b`ftrmdcfibby r`fibb`g mr r`fr`it`g r`airgb`ss mj wh`th`r ctliy hiv` n``d ‒g`b`t`gldquo mr ‒`ris`gldquo ny id `lpbmy`` N`fius` th` Fmlpidyp`rcmgcfibby nifks-up ibb b`s idg l`ssia`s idg n`fius` mj th` wiy cd whcfhfmlput`rs r`-us` b` stmria` spif` b`s idg l`ssia`s liy `xcst thit ir`thmuaht tm hiv` n``d g`b`t`g mr ris`g Wh`r`jmr` `lpbmy``s whm g`b`t` mr`ris` cdjmrlitcmd mr l`ssia`s shmubg dmt issul` thit sufh cdjmrlitcmd mrl`ssia`s ir` fmd g`dtcib

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

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VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 WH CDW^DW IDG MD-BCD V^ZCFV

Wh` fmlpidy prmvcg`s iuthmrcz`g `lpbmy``s iff`ss tm md-bcd` s`rvcf`s sufh is th`Cdt`rd`t Wh` Fmlpidy xp`fts thit `lpbmy``s wcbb us` th`s` s`rvcf`s cd i r`spmdscnb`wiy idg jmr nuscd`ss-r`bit`g purpms`s mdby Pdg`r dm fcrfulstidf`s ir` `lpbmy``sp`rlctt`g tm us` th` Fmlpidyndashs W`fhdmbmay ^`smurf`s tm iff`ss gmwdbmig mrfddtrcnut` tm th` jmbbmwcda

armss cdg`f`dt mr s`xuibby-mrc`dt`g lit`rcibsspmrts sct`s

omn-s`irfh sct`s`dt`rticdl`dt sct`sailnbcda sct`s

ail`s hulmrcbb`aib grua-mrc`dt`g sct`sp`rsmdib pia`s mj cdgcvcguibs idgpmbctcfibby mrc`dt`g sct`s mr sct`s g`vmt`g tm cd u`dfycda th` fmurs` mjb`acsbitcmd mr punbcf pmbcfy

Iggctcmdibby `lpbmy``s lust dmt scad ‒au`st nmmksldquo it Q`nsct`s mr pmst l`ssia`s tmCdt`rd`t d`ws armups mr gcsfusscmd armups it Q`nsct`s Wh`s` iftcmds wcbb a`d`rit`

oudk `b`ftrmdcf licb idg liy `xpms` th` Fmlpidy tm bcincbcty mr udwidt`g itt`dtcmd

n`fius` mj fmll dts thit `lpbmy``s liy lik` Wh` Fmlpidy strmdaby `dfmuria`s`lpbmy``s whm wcsh tm iff`ss th` Cdt`rd`t jmr dmd-wmrk-r`bit`g iftcvctc`s tm a`t th`crmwd p`rsmdib Cdt`rd`t iff`ss iffmudts

8 UI^WCFCUIWCMD CD MDBCD JM^PLV

i) lpbmy``s shmubg r`l`ln`r thit idy l`ssia`s mr cdjmrlitcmd s`dt mdfmlpidy-prmvcg`g jifcbctc`s tm md` mr lmr` cdgcvcguibs vci id `b`ftrmdcf d`twmrk- jmr `xilpb` Cdt`rd`t licbcda bcsts nubb`tcd nmirgs idg mdbcd` s`rvcf`s - ir`stit`l`dts cg`dtc inb` idg ittrcnutinb` tm FMLUIDS DIL

n) FMLUIDS DIL r`fmadcz`s thit pirtcfcpitcmd cd sml` jmruls lcaht n`clpmrtidt tm th` p`rjmrlidf` mj id `lpbmy``ndashs omn Jmr cdstidf` id `lpbmy``lcaht dg th` idsw`r tm i t`fhdcfib prmnb`l ny fmdsubtcda l`ln`rs mj i d`wsarmup g`vmt`g tm th` t`fhdcfib ir`i

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

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Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

3 VMJWQI^

Wm pr`v`dt fmlput`r vcrus`s jrml n`cda tridslctt`g thrmuah th` fmlpidyndashs fmlput`r

syst`l udithmrcz`g gmwdbmigcda mj idy udithmrcz`g smjtwir` cs strcftby prmhcnct`gMdby smjtwir` r`acst`r`g thrmuah FMLUIDS DIL liy n` gmwdbmig`g Dm`lpbmy`` liy bmig idy smjtwir` md th` Fmlpidyndashs fmllput`rs ny idy l`ids mjtridslcsscmd udb`ss iuthmrcz`g cd igvidf` ny FMLUIDS DILndashs syst`l iglcdcstritmr

95 VFP^CWS IDG IUU^MU^CIW PV

i) lpbmy``s lust r`sp`ft th` fmd g`dtcibcty mj mth`r cdgcvcguibsndash `b`ftrmdcffmlludcfitcmds xf`pt cd fis`s cd whcfh `xpbcfct iuthmrczitcmd his n``d aridt`g

ny fmlpidy lidia`l`dt `lpbmy``s ir` prmhcnct`g jrml `daiacda cd mritt`lptcda tm `daia` cd

Lmdctmrcda mr cdt`rf`ptcda th` b`s mr `b`ftrmdcf fmlludcfitcmds mj mth`r`lpbmy``s mr thcrg pirtc`sHifkcda mr mnticdcda iff`ss tm syst`ls mr iffmudts th`y ir` dmt iuthmrcz`gtm us`Pscda mth`r p`mpb`ndashs bma-cds mr pisswmrgs idgNr`ifhcda t`stcda mr lmdctmrcda fmlput`r mr d`twmrk s`furcty l`isur`s

n) Dm `licb mr mth`r `b`ftrmdcf fmlludcfitcmds fid n` s`dt thit itt`lpt tm hcg`th` cg`dtcty mj th` s`dg`r mr r`pr`s`dt th` s`dg`r is sml`md` `bs`

f) b`ftrmdcf l`gci idg s`rvcf`s shmubg dmt n` us`g cd i lidd`r thit cs bck`by tmfius` d`twmrk fmda`stcmd mr scadc fidtby hilp`r th` incbcty mj mth`r p`mpb` tmiff`ss idg us` th` syst`l

g) Idymd` mnticdcda `b`ftrmdcf iff`ss tm mth`r fmlpidc`sndash mr cdgcvcguibndashslit`rcibs lust r`sp`ft ibb fmpyrcahts idg fiddmt fmpy r`trc`v` lmgcjy mrjmrwirg fmpyrcaht`g lit`rcibs `xf`pt is p`rlctt`g ny th` fmpyrcaht mwd`r

`) Wh` Fmlpidy his cdstibb`g i virc`ty mj prmarils idg g`vcf`s tm `dsur` th`sij`ty idg s`furcty mj th` Fmlpidyndashs t`fhdmbmay r`smurf`s Idy `lpbmy`` jmudgtilp`rcda mr gcsincbcty idy mj th` Fmlpidyndashs s`furcty g`vcf`s wcbb n` suno`ft tmgcsfcpbcd` up tm idg cdfbugcda t`rlcditcmd

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

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Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 DF^SUWCMD

lpbmy``s fid us` `dfryptcmd smjtwir` suppbc`g tm th`l ny th` syst`ls iglcdcstritmrjmr purpms`s mj sij`auirgcda s`dsctcv` mr fmd g`dtcib nuscd`ss cdjmrlitcmdlpbmy```s whm us` `dfryptcmd md b`s stmr`g md i fmlpidy fmlput`r lust prmvcg`th`cr sup`rvcsmr wcth i s`ib`g hirg fmpy r`fmrg (tm n` r`ticd`g cd i s`fur` bmfitcmd) mjibb mj th` pisswmrgs idgmr `dfryptcmd k`ys d`f`ssiry tm iff`ss th` b`s

9gt FMDJCGDWCIB CDJM^LIWCMD

Wh` Fmlpidy cs v`ry s`dscstcv` tm th` cssu` mj prmt`ftcmd mj trig` s`fr`ts idg mth`rfmd g`dtcib idg prmprc`tiry cdjrmlitcmd mj nmth th` Fmlpidy idg thcrg pirtc`s(‒Fmd g`dtcib Cdjmrlitcmdldquo) Wh`r`jmr` `lpbmy``s ir` xp`ft`g tm us` ammg ougal`dtidg tm igh`r` tm th` hcah`st `thcfib stidgirgs wh`d uscda mr tridslcttcda Fmd g`dtcibCdjmrlitcmd md th` Fmlpidyndashs t`fhdmbmay r`smurf`s

Fmd g`dtcib Cdjmrlitcmd shmubg dmt n` iff`ss`g thrmuah th` Fmlpidyndashs t`fhdmbmayr`smurf`s cd th` pr`s`df` mj udiuthmrcz`g cdgcvcguibs Vclcbirby Fmd g`dtcibCdjmrlitcmd shmubg dmt n` b`jt vcscnb` mr uditt`dg`g Lmr`mv`r idy Fmd g`dtcibCdjmrlitcmd tridslctt`g vci t`fhdmbmay r`smurf`s shmubg n` lirk`g wcht th` jmbbmwcdafmd g`dtcibcty b`a`dg

‒Whcs l`ssia` fmdticd fmd g`dtcib cdjmrlitcmd Pdb`ss ymu ir` th` iggr`ss`` (mriuthmrcz`g tm r`f`cv` jmr th` iggr`ss``) ymu liy dmt fmpy us` mr gcstrcnut` thcscdjmrlitcmd Cj ymu hiv` r`f`cv`g thcs l ssia` cd `rrmr pb`is` igvcs` LUBMSDIL cll`gcit`by it LUBMS WBUHMD DPLN^ mr r`turd ct prmlptby ny licbWhidk ymuldquo

96 ZCMBIWCMDV

Idy `lpbmy`` whm inus`s th` prcvcb`a` mj th`cr iff`ss tm `licb mr th` Cdt`rd`tcd vcmbitcmd mj thcs pmbcfy wcbb n` suno`ft tm fmrr`ftcv` iftcmd cdfbugcda pmsscnb`t`rlcditcmd mj `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

97 U^MFGP^V

Urmf`gur`s jmr iff`sscda th` Zmcf`licb licb idg Cdt`rd`t Vyst`l is w`bb is th`aucg`bcd`s jmr hmw tm prmp`rby s`dg idg r`ticd cdjmrlitcmd liy n` mnticd`g nyfmdtiftcda DIL MJ VSVWLV IGLCDCVW^IWM^

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` us` mj th` Fmlpidyndashs fmlput`r idg t`b`fmlludcfitcmds`qucpl`dt s`rvcf`s

C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

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UICG INVDF

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ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

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FMLUPW^ PV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

Wh` Zmcf`licblicbCdt`rd`t pmbcfc`s idg prmf`gur`s shmubg n` r`vc`w`g ny `ifh`lpbmy`` md i s`lc-idduib niscs

Yu`stcmds fmdf`rdcda th` us` mj th` Zmcf`licblicbCdt`rd`t syst`l shmubg n`gcr`ft`g tm th` syst`ls iglcdcstritmr Yu`stcmds fmdf`rdcda th` clprmp`r us` mj th`syst`l shmubg n` gcr`ft`g tm th` `lpbmy``ndashs cll`gcit` sup`rvcsmr idg cj dmt sitcs `gwcth th` r`spmds` tm th` syst`ls iglcdcstritmr

90 LUBMS IA^LDW MD PV MJ LICB IDG WH CDW^DW

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C udg`rstidg thit C hiv` dm `xp`ftitcmd mj prcvify wh`d C us` idy mj th`t`b`fmlludcfitcmd `qucpl`dt mr s`rvcf`s C il iwir` thit vcmbitcmds mj thcs aucg`bcd`md ipprmprcit` us` mj th` `licb idg Cdt`rd`t syst`ls liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty

C jurth`r udg`rstidg thit ly us` mj th` `licb idg Cdt`rd`t liy r` `ft md th` clia`mj FMLUIDS DIL tm mur fustml`rs fmlp`tctmrs idg suppbc`rs idg thit C hiv`

r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` Fmlpidy Jurth`rlmr` Cudg`rstidg thit thcs pmbcfy fid n` il`dg`g it idy tcl`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

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`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

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FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

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jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

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UICG INVDF

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ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

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DMW

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trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

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VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

W` purpms` mj th` fmd cft r`smbutcmd pmbcfy cs tm prmvcg` i qucfk `st`ft

idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

GU Hulid ^`smurf`s amp A`d`rib Lidia`l`dt UMBCFS CG H^-gt1Bist upgit`g U^MFGP^ Dm 755-5gt1GI 5gtgt596 fp UIA 9 mj

DMW

Id cdg`x syst`l shmubg n` mraidcz`g idg k`pts`pirit`by tm cg`dtcjy pmbcfc`s idg prmf`gurny CG mr duln`r Ct s`rv`s mraidczitcmdib id

trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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LUBMSLDW IW QCBB UMBCFS

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MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

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MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

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7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

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IGZIDF ^YPVW

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ZMWCDA HMP^V

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| A`t cd tmufh

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VILUB U^MFGP^

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VWU MD

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VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

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idg fmdscst`dtby ippbc`g l`thmg jmr `lpbmy``s tm pr`s`dt fmdf`rds tm idghiv` thms` fmdf`rds r`smbv`g Urmiftcv`by cg`dtcjycda idg r`smbvcdafmd cfts cs i wiy tm str`dath`d th` r`bitcmdshcps thit clprmv` r`bitcmdibfmmrgcditcmd

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trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

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VWU WQM

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VWU WH^

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

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`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

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^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

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FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

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th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

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0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

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md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

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UICG INVDF

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ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VILUB UMBCFS

FMDJBCFW^VMBPWCMD

Urmnb`ls lcsudg`rstidgcdas idg jrustritcmds ircs` cd th` wmrkpbif`Ct cs th` mraidczitcmdndashs cdt`dt tm n` r`spmdscv` tm mur `lpbmy``s idg th`crfmdf`rd W`r`jmr` id `lpbmy`` whm cs fmdjrmdt`g wcth i prmnb`l shmubgutcbcz` thcs pmbcfy tm r`smbv` mr fbircjy th` sctuitcmd

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DMW

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trifkcda purpms`s Wcs ibsm h`bps lik` jmr isyr`j`r`df` wh`d fmdguftcda idduib upgit`s mr

iugcts cd ymur mraidczitcm

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

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VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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VILUB U^MFGP^

FMDJBCFW^VMBPWCMD

VWU MD

lpbmy``s shmubg itt`lpt tm r`smbv` cssu`s wcth `lpbmy``s cdvmbv`g Wcsitt`lpt shmubg tik` pbif` cd prcvit Cssu`s shmubg n` ipprmifh`g wcthhulcbcty idg th` cdt`dt tm b`ird W` fmdv`rsitcmd shmubg jmfus md prmnb`lsmbvcda idg clprmvcda th` mv`ribb prmf`ss Jcda`r pmcdt`g shmubg n` ivmcg`g

VWU WQM

Cj cssu`s fiddmt n` r`smbv`g th` `lpbmy`` shmubg gcr`ft th`cr fmdf`rds wcthth`cr cll`gcit` sup`rvcsmr

VWU WH^

Cj th` gcsfusscmd wcth th` cll`gcit` sup`rvcsmr gm`s dmt r`smbv` th` prmnb`ltm th` lutuib sitcsjiftcmd mj th` `lpbmy`` idg th` sup`rvcsmr th` `lpbmy``shmubg gcr`ft th` cssu`s wcth th` d`xt b`v`b mj lidia`l`dt mr Hulid^`smurf`s Hulid ^`smurf`s liy fibb i l``tcda tm jifcbctit` i r`smbutcmd idgcdfr`is` udg`rstidgcda n`tw``d judftcmds

lpbmy``s liy gcr`ft th`cr fmdf`rds thrmuah licb `licb phmd` mr prcvit`gcsfusscmd ^`smbvcda cssu`s wcbb n` tr`it`g wcth fmd g`dtcibcty idg r`sp`ft cdtcl`by litt`r s`rvcda is i b`irdcda `xp`rc`df`

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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8112019 FREE HR Kit Workplace Policies

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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Mraidczitcmds shmubg prmiftcv`by r`smbv`fmd cfts wcth hulcbcty idg th` cdt`dt tmudg`rstidg th` prmnb`l v`ry fmd cft csid mppmrtudcty cd gcsaucs` iwictcda ymurb`ig`rshcp

^ith`r thid ibbmw fmd cfts tm j`st`rb`ig`rs shmubg s``k mut fmd cfts idgiftcv`by cg`dtcjy frmss-judftcmdib fmd-

cfts thit w`ik`d r`bitcmdshcps mj shir`gamibsshir`g kdmwb`ga` idg lutuib r`-sp`ft whcb` tr`itcda ct is id mffiscmdibb`irdcda xp`rc`df` W`y h`bp str`dath-

`d r`bitcmdshcps n`tw``d `lpbmy``s idgnmmst p`rjmrlidf` ifrmss th`mraidczitcmd

Hivcda fmdscst`dt stidgirgs cd pbif`fr`it`s i hcah `xp`ftitcmd irmudg th` v`ryfmdf`pt mj fmd cft cd mraidczitcmds Ctn`fml`s ‒i fmg`ldquo i wiy p`mpb`iutmlitcfibby r`spmdg tm `v`ry cdgcvcguibwhm wmrks th`r` Pbtclit`by `dfmuriacdath` fmd cft r`smbutcmd prmf`ss prmlmt`sammg (idg n`tt`r) wmrkcda r`bitcmdshcpscd th` `dg

Ipprmifh fmd cft wcth hulcbctywcth th` cdt`dt tm udg`rstidg idg r`smbv` th` prmnb`l

FMDJBCFW

^VMBPWCMD

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

Grua idg ibfmhmb inus` fmdtrcnut`s tm ncbbcmds mj gmbbirs m mst prmguftcvcty idgthmusidgs mjwmrk pbif` cdourc`s `v`ry y`ir Mur pmbcfy cs tm `lpbmy i wmrk jmrf` jr``

jrml ibfmhmb inus` mr th` us` mj cbb`aib gruas Whcs fmlpidy tik`s grua idg ibfmhmbinus` is i s`rcmus litt`r idg wcbb dmt tmb`rit` ct Wh` fmlpidy insmbut`by prmhcnctsth` us` mj ibfmhmb mr dmd-pr`sfrcn`g gruas it th` wmrk pbif` mr whcb` md fmlpidypr`lcs`s Ct ibsm gcsfmuria`s dmd-wmrk pbif` grua idg ibfmhmb inus` Wh` us` sib` mrpmss`sscmd mj ibfmhmb mr gruas whcb` md th` omn mr md fmlpidy prmp`rty wcbb r`subt cdgcsfcpbcdiry iftcmd up tm idg cdfbugcda t`rlcditcmd idg liy hiv` b`aib fmds`qu`df`slpbmy``s ir` `xp`ft`g idg r`qucr`g tm r`pmrt tm wmrk md tcl` idg cd ipprmprcit`l`dtib idg physcfib fmdgctcmd jmr wmrk Ct cs mur cdt`dt idg mnbcaitcmd tm prmvcg` igrua-jr`` h`ibthjub idg sij` wmrk `dvcrmdl`dt

FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

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9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

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7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

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DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

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UICG INVDF

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ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

W^LV

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FMLUIDS DIL r`s`rv`s th` rcaht tm g`lidg i grua mr ibfmhmb t`st mj idy `lpbmy``nis`g upmd r`ismdinb` suspcfcmd ^`ismdinb` suspcfcmd cdfbug`s nut cs dmt bclct`g tmphyscfib `vcg`df` mj us` cdvmbv`l`dt cd id iffcg`dt mr i sunstidtcib grmp mj d wmrkp`rjmrlidf` Jicbur` tm tik` i r`qu`st`g t`st liy b`ig tm gcsfcpbcd` cdfbugcda pmsscnb`t`rlcditcmd

Wh` fmlpidy ibsm fiutcmds iaicdst us` mj pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmdwhcfh fid ijj`ft ymur wmrk pbif` p`rjmrlidf` Smu liy n` susp`dg`g mr gcsfhira`g cj

th` fmlpidy fmdfbug`s thit ymu fiddmt p`rjmrl ymur omn prmp`rby mr sij`by n`fius` mjuscda mv`r-th`-fmudt`r mr pr`sfrcn`g l`gcfitcmd Ub`is` cdjmrl ymur sup`rvcsmr prcmrtm wmrkcda udg`r th` cd u`df` mj i pr`sfrcn`g mr mv`r-th`-fmudt`r l`gcfitcmd whcfhliy ijj`ft ymur p`rjmrlidf`

lpbmy``s lust r`pmrt idy fmdvcftcmd udg`r i frclcdib grua stitut` jmrvcmbitcmdsmffurrcda md mr mjj th` Fmlpidyndashs pr`lcs`s whcb` fmdguftcda fmlpidy nuscd`ssI r`pmrt mj i fmdvcftcmd lust n` lig` wcthcd [DPLN^) giys ijt`r th` fmdvcftcmdFMLUIDS DIL wcbb lik` `v`ry `jjmrt tm isscst cts `lpbmy``s whm wcsh tm s``k

tr`itl`dt mr r`hincbctitcmd jmr grua mr ibfmhmb g`p`dg`dfy Fmdsfc`dtcmus `jjmrts tms``k sufh h`bp wcbb dmt o`mpirgcz` idy `lpbmy``ndashs omn idg wcbb dmt n` dmt`g cd idyp`rsmdd`b r`fmrg Smu liy ibsm n` r`qucr`g tm iar`` tm ridgml t`stcda idg i ‒md`-strck`ldquo rub`

Cj ymu hiv` i grua mr ibfmhmb prmnb`l pb`is` isk jmr mur h`bp

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G^PA IDG IBFMHMB UMBCFS

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VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

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VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA IDG IBFMHMB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

LUBMS IA^LDW MD G^PA IDG IBFMHMB UMBCFS

C hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds C il iwir` thit vcmbitcmds mj thcs aucg`bcd` liy suno`ft l` tm gcsfcpbcdiryiftcmd cdfbugcda t`rlcditcmd jrml `lpbmyl`dt b`aib iftcmd idg frclcdib bcincbcty Cjurth`r udg`rstidg thit C hiv` r`spmdscncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mjth`fmlpidy idg amv`rd lys`bj iffmrgcdaby Jurth`rlmr` C udg`rstidg thit thcs pmbcfy fidn` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 LUBMSV VPNOFW WM WVWCDA

Pdg`r FMLUIDS DILndashs grua idg ibfmhmb t`stcda pmbcfy furr`dt idg prmsp`ftcv``lpbmy``s whm wmrk mr wmubg wmrk cd hcah-rcsk mr sij`ty-s`dsctcv` pmsctcmds wcbb n`isk`g tm sunlct tm grua idg ibfmhmb t`stcda Dm prmsp`ftcv` `lpbmy`` wcbb n` isk`g tmsunlct tm t`stcda udb`ss id mjj`r mj `lpbmyl`dt his n``d lig` Id mjj`r mj FMLUIDSDIL hmw`v`r cs fmdgctcmd`g md th` prmsp`ftcv` `lpbmy`` t`stcda d`aitcv` jmr gruasidg ibfmhmb

gt VIJAPI^GV

FMLUIDS DILndashs pmbcfy cs cdt`dg`g tm fmlpby wcth ibb stit` biws amv`rdcda gruaidg ibfmhmb t`stcda idg cs g`scad`g tm sij`auirg `lpbmy`` prcvify rcahts tm th` jubb`st`xt`dt mj th` biw

6 VBFWCMD

Dmt ibb FMLUIDS DILndashs `lpbmy``s wcbb n` isk`g tm sunlct tm grua idg ibfmhmbt`stcda Mdby thms` `lpbmy``s whm [bcst frct`rci sufh is omn tctb`s mr gutc`s thit wcbbr`qucr` grua t`stcda ir` suno`ft tm grua idg ibfmhmb t`stcda

7 WVWG VPNVWIDFV

FMLUIDS DILndashs grua idg ibfmhmb t`stcda prmaril cs bclct`g tm t`stcda jmr BCVWQHIW SMPndashBB WVW JM^ A NBMMG IBFMHMB VUFCJCF G^PAV IDG G^PA Idy mth`r sunstidf`s thit liy n` t`st`g uscda th` sil` l`thmg us`g tm t`st jmrfmdtrmbb`g sunstidf`s wcbb dmt n` t`st`g idg wcbb dmt n` r`pmrt`g

0 Q^CWWD DMWCF

N`jmr` n`cda isk`g tm sunlct tm i grua idgmr ibfmhmb t`st th` `lpbmy`` wcbb r`f`cv`wrctt`d dmtcf` mj th` r`qu`st mr r`qucr`l`dts

BCFDVG BINM^IWM^CV

Idy grua idgmr ibfmhmb t`stcda r`qucr`g mr r`qu`st`g ny FMLUIDS DILndashs wcbb n`fmdguft`g ny i binmritmry bcf`ds`g ny th` stit` Wh` `lpbmy`` liy mnticd th` dil`idg bmfitcmd mj th` binmritmry thit wcbb idibyz` th` `lpbmy``ndashs t`st silpb` ny fibbcda

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

DIL MJ BIN| DPLN^ MJ HMP^V hmurs n`jmr` th` t`stcda

1 DMWCF MJ ^VPBWV

Cj th` `lpbmy`` cs isk`g tm sunlct tm i grua mr ibfmhmb t`st FMLUIDS DIL wcbbdmtcjy th` `lpbmy`` mj th` r`subts wcthcd VUFCJS WCL BCLCW c` gt7 HMP^V M^ MDQK ijt`r ct r`f`cv`s th`l jrml th` binmritmry Wm pr`s`rv` th` fmd g`dtcibctyFMLUIDS DIL strcv`s tm licdticd th` `lpbmy`` wcbb n` dmtc `g ny LWHMG MJDMWCJCFIWbMD wh`th`r th` t`st wis d`aitcv` mr fmd rl`g pmsctcv` idg cj fmd rl`gpmsctcv` whit th` d`xt st`p cs

8 UMVCWCZ WVW ^VPBWV

Cjth` `lpbmy`` r`f`cv`s dmtcf` thit th` `lpbmy``ndashs t`st r`subts w`r` fmd rl`g pmsctcv`th` `lpbmy`` wcbb n` acv`d th` mppmrtudcty tm `xpbicd th` pmsctcv` r`subt jmbbmwcda th``lpbmy``ndashs r`f`cpt mj th` t`st r`subt Cd iggctcmd th` `lpbmy`` liy hiv` th` sil`silpb` r`t`st`g it i binmritmry mj th` `lpbmy``ndashs fhmcf`

3 IGZ^V LUBMSLDW IFWCMD

Cj th`r` cs r`ismd tm susp`ft thit th` `lpbmy`` cs wmrkcda whcb` udg`r th` cd u`df`

mj id cbb`aib grua mr ibfmhmb th` `lpbmy`` wcbb n` susp`dg`g QCWH M^ QCWHMPW piyudtcb th` r`subts mj i grua idg ibfmhmb t`st ir` lig` ivicbinb` tm FMLUIDS DILny th` t`stcda binmritmry Qh`r` grua mr ibfmhmb t`stcda cs pirt mj i rmutcd` physcfibmr ridgml sfr``dcda th`r` wcbb n` dm igv`rs` `lpbmyl`dt iftcmd tik`d udtcb th` t`str`subts ir` cd

95 FMDJCGDWCIBCWS

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm k``p th` r`subts mj grua idg ibfmhmb t`sts

fmd g`dtcib Mdby p`rsmds wcth i d``g tm kdmw th` r`subts wcbb hiv` iff`ss tm th`lWh` `lpbmy`` wcbb n` isk`g jmr th` `lpbmy``ndashs fmds`dt n`jmr` t`st r`subts ir` r`b`is`gtm idymd` `bs` N` igvcs`g hmw`v`r thit t`st r`subts liy n` us`g cd irnctritcmdiglcdcstritcv` h`ircdas idg fmurt fis`s ircscda is i r`subt mj th` `lpbmy``ndashs gruat`stcda Ibsm r`subts wcbb n` s`dt tm j`g`rib ia`dfc`s is r`qucr`g ny j`g`rib biw Cjth` `lpbmy`` cs tm n` r`j`rr`g tm i tr`itl`dt jifcbcty jmr `vibuitcmd th` `lpbmy``ndashst`st r`subts wcbb ibsm n` lig` ivicbinb` tm th` `lpbmy``ndashs fmuds`bmr Wh` r`subts mjgrua t`stcda cd th` wmrkpbif` wcbb dmt n` us`g iaicdst th` `lpbmy`` cd idy frclcdibprms`futcmd

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

99 FMVWV

FMLUIDS DIL wcbb piy th` fmst mj idy grua idg ibfmhmb t`stcda thit ct r`qucr`s mrr`qu`sts `lpbmy``s sunlct tm cdfbugcda r`t`stcda mj fmd rl`g pmsctcv` r`subts Idyigggctcmdib t`sts thit th` `lpbmy`` r`qu`sts wcbb n` picg jmr ny th` `lpbmy``

9gt G^PA IDG IBFMHMB PV IW QM^K U^MHCNCWG

FMLUIDS DILndashs wcbb dmt tmb`rit` idy us` mj dmd-pr`sfrcn`g gruas mr ibfmhmbgurcda wmrk hmurs Cj th` `lpbmy`` fml`s tm wmrk udg`r th` cd u`df` mj gruas mribfmhmb mr us` gruas mr ibfmhmb gurcda wmrk tcl` th` `lpbmy`` wcbb n` GVF^CNFMDVYPDFV c` VDW HML QCWHMPW UIS GCVFCUBCDG W^LCDIW

96 UMVWCDA

N`scg`s n`cda mutbcd`g h`r` FMLUIDS DILndashs grua pmbcfy cs pmst`g cd DILBMFIWCMD MJ UMVWCDA wh`r` th` `lpbmy`` liy r`vc`w ct

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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AD^IB VIJWS UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

U^MFGP^V

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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G^PA WVWCDA UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL gm`s dmt t`st `lpbmy``s jmr grua idg ibfmhmb inus` N`fius`th` ditur` mj FMLUIDS DILndashs nuscd`ss cs d`cth`r hcah rcsk dmr pirtcfubirby sij`tys`dsctcv` FMLUIDS DIL j``bs thit grua idg ibfmhmb t`stcda wmubg n` tmm cdtruscv` iprmf`gur` jmrth` `xp`ft`g r`subts Wh`r`jmr` `lpbmy``s wcbb dmt n` isk`g tm sunlct tmgrua idg ibfmhmb t`stcda cd th` wmrkpbif` s`ttcda

Hmw`v`r FMLUIDS DIL strcftby prmhcncts th` us` mj gruas mr ibfmhmb cd th`wmrkpbif` idg wcbb tik` gcsfcpbcdiry iftcmd iaicdst idy `lpbmy`` jmudg uscda gruasmr ibfmhmb gurcda wmrkcda hmurs Cd iggctcmd cj th` `lpbmy`` irrcv`s it wmrk udg`rth` cd u`df` mj gruas mr ibfmhmb th` `lpbmy`` wcbb n` s`dt hml` jmrth` giy wcthmutpiy ^`p`it`g cdstidf`s mj irrcvcda it wmrk udg`r th` cd u`df` mj gruas mr ibfmhmb

liy r`subt cd GVF^CN FMDVYPDF c` Q^CWWD QI^DCDA VPVUDVCMDLIDGIWM^S FMPDVBCDA W^LCDIWCMD WF

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

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Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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LICB UMBC

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VMP^FV | UMBCFS

MZ^ZCQ

Whcs gmful`dt s`ts jmrth th` pmbcfy mj FMLUIDS DIL (‒th` Fmlpidyldquo) wcth r`sp`fttm `licb Ibb `lpbmy``s whm us` th` Fmlpidyndashs `licb syst`l ir` r`qucr`g tm fmlpbywcth thcs pmbcfy stit`l`dt

9 NPVCDVV PVWh` `licb syst`l cs tm n` us`g smb`byjmr nuscd`ss purpms`s mj th` Fmlpidy idg dmtjmrp`rsmdib purpms`s mj th` `lpbmy``s

gt MQD^VHCUIbb cdjmrlitcmd idg l`ssia`s thit ir` fr`it`g s`dt r`f`cv`g mr stmr`g md th`Fmlpidyndashs`licb syst`l cs th` smb` prmp`rty mj th` Fmlpidy

6 LICB ^ZCQIbb `licb cs suno`ft tm th` rcaht mj th` Fmlpidy tm lmdctmriff`ss r`ig gcsfbms` idgus` sufh `licb wcthmut prcmr dmtcf` tm th` mrcacditmrs idg r`fcpc`dts mjsufh `licb licbliy n` lmdctmr`g idgr`ig ny iuthmrcz`g p`rsmdd`b jmr th` Fmlpidy jmr idyvcmbitcmdsmj biw nr`ifh`s mj Fmlpidy pmbcfc`s fmlludcfitcmds hirljub tm th` Fmlpidy mr jmridy mth`r r`ismd

7 U^MHCNCWG FMDWDWlicbs liy dmtfmdticd stit`l`dts mr fmdt`dt thit ir` bcn`bmus mjj`dscv` hirisscdacbb`aib g`rmaitmry mr gcsfrclcditmry Jmub cdipprmprcit` mr mjj`dscv` l`ssia`s sufhis rifcibs`xuib mr r`bcacmus sburs mr omk`s ir` prmhcnct`g V`xuibby `xpbcfct l`ssia`s mrclia`sfirtmmds mr omk`s ir` prmhcnct`g

0 VFP^CWSWh` `licb syst`l cs mdby tm n` us`g ny iuthmrcz`g p`rsmds idg id `lpbmy``lusthiv` n``d cssu`g idg `licb pisswmrg cd mrg`r tm us` th` syst`l lpbmy``s shibb

dmtgcsfbms` th`cr fmg`s mr pisswmrgs tm mth`rs idg liydmt us` sml`md` `bs`ndashs fmg` mrpisswmrgwcthmut `xpr`ss wrctt`d iuthmrczitcmd jrml th` Fmlpidy

DM U^VPLUWCMD MJ U^CZIFSlicb fmlludcfitcmds shmubg dmt n` issul`g tm n` prcvit` idg s`furcty fiddmt n`auiridt``g Hcahby fmd g`dtcib mr s`dsctcv` cdjmrlitcmd shmubg dmt n` s`dt thrmuah`licb

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LICB UMBC

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VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

95 FMDVYPDFV MJ ZCMBIWCMDVZcmbitcmds mj thcs pmbcfy mr mth`r fmlpidy pmbcfc`s liyr`subt cd gcsfcpbcd`susp`dscmdidg `v`d t`rlcditcmd mj `lpbmyl`dt

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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LUBMSLDW IW QCBB UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

Smur `lpbmyl`dt wcth th` fmlpidy cs ‒it wcbbldquo Whcs l`ids thit ymur `lpbmyl`dt liyn` t`rlcdit`g it idy tcl` wcth mr wcthmut dmtcf` jmr idy r`ismd wcth mr wcthmut fius`Bck`wcs` ymu liy t`rlcdit` ymur `lpbmyl`dt it idy tcl` wcth mr wcthmut dmtcf` jmridy r`ismd wcth mr wcthmut fius`

Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

C ifkdmwb`ga` idg udg`rstidg th` ‒it wcbbldquo ditur` mj ly r`bitcmdshcp wcth th`

Fmlpidy

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

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pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

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7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

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8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

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7 DMD-GCVF^CLCDIWCMD

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H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

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LICB UMBC

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

1 F^WICD U^MHCNCWG IFWCZCWCVlpbmy``s liy dmt wcthmut th` Fmlpidyndashs `xpr`ss wrctt`d iuthmrczitcmd tridslcttrig`s`fr`ts mr mth`r fmd g`dtcib prcvit` mr prmprc`tiry cdjmrlitcmd mr lit`rcibs thrmuah`licb

8 LVVIA ^WDWCMD IDG F^IWCMDlpbmy``s shmubg n` fir`jub cd fr`itcda `licb v`d wh`d i l`ssia` his n``d g`b`t`gct liy stcbb `xcst cd prcdt`gv`rscmd n` r`fr`it`g jrml i nifk-up syst`l mr liyhiv`n``d jmrwirg`g tm sml`md` `bs`Ub`is` dmt` thit ipprmprcit` `b`ftrmdcf l`ssia`s liyd``g tm n` siv`g Idg th` Fmlpidy liyn` r`qucr`g tm prmguf` `licb cd bctcaitcmd

3 ZC^PVVIdy b`s gmwdbmig`g jrml `licb r`f`cv`g jrml dmd-Fmlpidy smurf`s lustn` sfidd`gwcth th` Fmlpidyndashs vcrus g`t`ftcmd smjtwir` Idyvcrus`stilp`rcda mr syst`l prmnb`lsshmubg n` cll`gcit`by r`pmrt`g tm (fmlput`r syst`ls iglcdcstritmr)

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LUBMSLDW IW QCBB UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

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Is ymu fid s`` ‒it-wcbbldquo `lpbmyl`dt cs i twm-wiy str``t Dmthcda cd th` `lpbmy``hidgnmmk mr idy mth`r fmlpidy gmful`dt shmubg n` udg`rstmmg is fr`itcdaauiridt``g mr fmdtcdu`g `lpbmyl`dt t`rlcditcmd ‒jmr fius`ldquo mr mj idy mth`rauiridt``g mr fmdtcdu`g n`d` ts Mdby th` Ur`scg`dt his th` iuthmrcty tm lik`prmlcs`s wcth r`airg tm auiridt``g mr fmdtcdu`g `lpbmyl`dt idg idy sufh prmlcs`sir` mdby `jj`ftcv` cj pbif`g cd wrctcda idg scad`g ny th` Ur`scg`dt

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

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VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

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VMP^FV | UMBCFS

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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Q` hiv` tmgiy i ripcgby fhidacda wmrk `dvcrmdl`dt Nmth fmlpidc`s idg wmrk`rs ir`fhidacda gcr`ftcmds jist`r thid `v`r Cd mrg`r tm r`licd fmlp`tctcv` th`r` cs i ar`it`rthid `v`r d``g jmr `xcncbcty idg lidia`rcib gcsfr`tcmd It wcbb `lpbmyl`dt whcfh hisn``d ‒th` biw mjth` bidgldquo jmr mv`r i f`dtury prmvcg`s th` `xcncbcty idg gcsfr`tcmd w`g``l d`f`ssiry jmr th` n`d` t mj `v`rymd` it thcs fmlpidy

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AD^IB VIJWS UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

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AD^IB QM^K ^PBV

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VMP^FV | UMBCFS

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gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

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8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

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96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

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9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

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VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

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VIBV FMLLCVVCMD UMBCFS

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VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

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AD^IB VIJWS UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQUrmvcgcda sij` wmrkcda fmdgctcmds idg licdticdcda fmdtcducty mj `lpbmyl`dt cs mjfmdtcduib fmdf`rd Cd thcs r`airg ct cs clpmrtidt thit ig`quit` pmbcfc`s idg prmf`gur`sn` g`v`bmp`g idg igh`r`g tm cd mrg`r tm `dsur` sij` `j fc`dt mp`ritcda fmdgctcmdsth`r`ny sij`auirgcda `lpbmy``s idg jifcbctc`s

Wh` Fmlpidy wcbb dmt kdmwcdaby p`rlct udsij` fmdgctcmds tm `xcst dmr wcbb ct p`rlct`lpbmy``s tm cdguba` cd udsij` ifts Zcmbitcmds mj Fmlpidy rub`s idg r`aubitcmds wcbbr`subt cd gcsfcpbcdiry iftcmd

Wh` Fmlpidy n`bc`v`s thit th` sij`ty mj `lpbmy``s idg physcfib prmp`rty fid n`st n``dsur`g ny i l`idcdajub prmaril

LUBMS Vcdf` th` `lpbmy`` md th` omn cs jr`qu`dtby lmr` iwir` mjudsij` fmdgctcmds thid idymd` `bs` `lpbmy``s ir` `dfmuria`g tm lik`r`fmll`dgitcmds suaa`stcmds idg frctcfcsls mj udsij` fmdgctcmds tm th`crcll`gcit` sup`rvcsmr sm thit th`y liy n` fmrr`ft`g

VPU^ZCVM^V Vup`rvcsmrs ir` r`spmdscnb` jmr th` wmrkcda fmdgctcmds wcthcdth`cr g`pirtl`dt idg th` pbidt a`d`ribby I sup`rvcsmr shmubg r`licd ib`rt itibb tcl`s tm gida`rmus idg udsij` fmdgctcmds sm thit h`sh` liy r`fmll`dg

fmrr`ftcv` iftcmd gcsfcpbcd` `lpbmy``s whm hinctuibby fr`it` mr cdguba` cd udsij`priftcf`s iss`ss d`w mr fhida`g sctuitcmds jmr cdh`r`dt gida`rs idg jmbbmw upmd `lpbmy`` suaa`stcmds jmr fmrr`ftcv` iftcmd sm thit udsij` fmdgctcmds ir` dmtcdstctut`g mr p`rlctt`g tm `xcst

VIJWS FMLLCWW LWCDAV

Fmlpidy mp`rit`s cd iffmrgidf` wcth FMG aucg`bcd`s idg is sufh `dfmuria`s th``lpbmy``ndashs cdvmbv`l`dt cd fmlpidy-wcg` sij`ty fmllctt`` l``tcdas tm n` h`bgquirt`rby Wh` fmllctt`` wcbb sp`fcjy prmf`gur`s idg iftcmds tm n` tik`d cd th` `v`dtmj r`s s`furcty idg mth`r `l`ra`dfc`s G`fcscmds idg r`fmll`dgitcmds wcbb n`fmlludcfit g vci th` g`pirtl`dtib t`il l``tcdas

CDOP^CV

Ibb `lpbmy``s ir` r`qucr`g tm cll`gcit`by r`pmrt ibb mffupitcmdib cbbd`ss`s mr cdourc`stm ymur sup`rvcsmr dm litt`r hmw lcdmr idg fmlpb`t` id mffupitcmdib cbbd`ss mr cdouryjmrl

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

udg`rstidgcda idg mppmrtudcty tm thrcv`Cd mraidczitcmds pmbcfc`s idg prmf`gur`s s`rv``lpbmy``s wcth thit sclpb` mudgitcmd

UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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AD^IB QM^K ^PBV

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL widts tm `dfmuria` i sij` idg pb`isidt wmrk itlmsph`r` Whcs fidmdby hipp`d wh`d `v`rymd` fmmp`rit`s idg fmllcts tm ipprmprcit` stidgirgs mjn`hivcmr

Wh` jmbbmwcda cs i bcst mj n`hivcmrs thit th` fmlpidy fmdscg`rs udiff`ptinb` Idy`lpbmy`` jmudg `daiacda cd th`s` n`hivcmrs wcbb n` suno`ft tm gcsfcpbcdiry iftcmdscdfbugcda r`prclidg wirdcda biymjj mr gcslcssib

9 Jicbur` tm n` it th` wmrk pbif` r`igy tm wmrk it th` r`aubir stirtcda tcl`

gt Qcbbjubby giliacda g`strmycda mr st`ibcda prmp`rty n`bmdacda tm j`bbmw`lpbmy``s mr th` fmlpidy

6 Jcahtcda mr `daiacda cd hmrs`pbiy mr gcsmrg`rby fmdguft

7 ^`juscda mr jicbcda tm firry mut idy cdstruftcmds mj i sup`rvcsmr

0 B`ivcda ymur wmrk stitcmd (`xf`pt jmr r`ismdinb` p`rsmdib d``gs) wcthmutp`rlcsscmd jrml ymur sup`rvcsmr

Cadmrcda wmrk gutc`s mr bmi da gurcda wmrkcda hmurs

1 Fmlcda tm wmrk udg`r th` cd u`df` mj ibfmhmb mr idy grua mr nrcdacdaibfmhmbcf n`v`ria`s mr gruas mdtm fmlpidy prmp`rty

8 Cdt`dtcmdibby acvcda idy jibs` mr lcsb`igcda cdjmrlitcmd tm mnticd `lpbmyl`dtmr i b`iv` mj ins`df`

3 Pscda thr`it`dcda mr inuscv` bidauia` tmwirg i j`bbmw `lpbmy``

95 Uudfhcda idmth`r `lpbmy``ndashs tcl` firg mr jibscjycda idy r`fmrg

99 Vlmkcda fmdtriry tm `stinbcsh`g pmbcfy mrvcmbitcda idy mth`r r` prmt`ftcmdr`aubitcmd

9gt Qcbbjubby mr hinctuibby vcmbitcda sij`ty mr h`ibth r`aubitcmds

96 Jicbcda tm w`ir fbmthcda fmdjmrlcda tm stidgirgs s`t ny th` fmlpidy

97 N`cda tirgy mr tikcda ud`xfus`g ins`df`s jrml wmrk

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VMP^FV | UMBCFS

90Dmt tikcda prmp`r fir` mj d`ab`ftcda mr inuscda fmlpidy `qucpl`dt idg tmmbs

9Pscda fmlpidy `qucpl`dt cd id udiuthmrcz`g lidd`r

91Umss`sscda r`irls mrw`ipmds mj idy kcdg md fmlpidy prmp`rty

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

FMLUIDS DIL wcsh`s tm prmvcg` i fmljmrtinb` prmguftcv` b`aib idg `thcfibwmrk `dvcrmdl`dt Wm thcs `dg th` fmlpidy widts ymu tm nrcda idy arc`vidf`s ymuhiv` inmut th` wmrk pbif` tm th` itt`dtcmd mj ymur sup`rvcsmr idg cj d`f`ssiry tmupp`r b`v`b lidia`l`dt Cd bcaht mj th`s` fmdf`rds w` hiv` cdstctut`g th` jmbbmwcdaarc`vidf` prmf`gur`

U^MFGP^

Cj ymu j``b thit th`r` cs cdipprmprcit` fmdguft mr iftcvcty md th` pirt mjth` fmlpidy

lidia`l`dt cts `lpbmy``s v`dgmrs fustml rs mr idy mth`r p`rsmds mr `dtctc`sr`bit`g tm th` fmlpidy w` r`qu`st thit ymu nrcda thcs fmdf`rd tm th` cll`gcit`itt`dtcmd mj ymur sup`rvcsmr Ub`is` try tm ipprmifh ymur sup`rvcsmr it i tcl` idg pbif`thit wcbb ibbmw th` sup`rvcsmr tm prmp`rby bcst`d tm ymur fmdf`rds

Cj ymu hiv` gcsfuss`g thcs litt`r wcth ymur sup`rvcsmr pr`vcmusby idg ymu gm dmtn`bc`v` thit ymu hiv` r`f`cv`g i suj fc`dt r`spmds` w` r`qu`st thit ymu pr`s`dt ymurfmdf`rds tm ymur sup`rvcsmr cd wrctcda Ub`is` cdgcfit` whit th` prmnb`l cs thms`p`rsmds cdvmbv`g cd th` prmnb`l idg idy suaa`st`g smbutcmd ymu liy hiv` tm th`

prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

C Ibb cdqucrc`s shmubg n` r`j`rr`g tm DIL MJ WH ^VUMDVCNB (th` ‒Vpmk`spsmdldquo)gt Is th` Fmlpidyndashs fhc`j spmk`sp`rsmd th` Vpmk`sp`rsmd wcbb r`spmdg gcr`ftby mrg`scadit` idmth`r pirty tm s`rv` is spmk`sp`rsmd6 Wh` Vpmk`sp`rsmd ibsm wcbb gcr`ft th` prmf`ss ny whcfh i r`spmds` cs g`t`rlcd`g mrpmsctcmd tik`d

7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

GIWG ]]]]]]]]]]]]] GIWG ]]]]]]]]]]]]]

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]IPWHM^C_G VCADIWP^

]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]]DIL | WCWB

KDMQBGALDWV

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8112019 FREE HR Kit Workplace Policies

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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6 VLMKCDADM-VLMKCDA VCADV

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H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

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prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

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Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

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pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

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8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

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6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

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H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

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A^CZIDF UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

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prmnb`lCj ymu gm dmt r`f`cv` i suj fc`dt r`spmds` tm ymur wrctt`d fmlpbicdt wcthcd DPLN^wmrkcda giys jrml prmvcgcda ct tm ymur sup`rvcsmr mr cj ymur sup`rvcsmr cs th` prmnb`lymu shmubg fmdtift th` d`xt b`v`b mj sup`rvcscmd idg sm md Cj ymu fmdscg`r th` litt`rid `l`ra`dfy b`aib `thcfib mr sij`ty cssu` us` ymur n`st ougal`dt tm `xp`gct` th`fmlpbicdt prmf`ss Wh` fmlpidy liy hiv` i fmdj`r`df` wcth ymu idg ymur sup`rvcsmrmr wcth nmth mj ymu cdgcvcguibby Cjth` litt`r cs dmt r`smbv`g ijt`r thit fmdj`r`df` idgymu n`bc`v` ct stcbb l`rcts itt`dtcmd ct cs r`qu`st`g thit ymu cll`gcit`by pbif` ymurfmdf`rds cd wrctcda idg nrcda th` litt`r jmrwirg tm upp`r b`v`b lidia`l`dt

Ct cs th` purpms` mj thcs arc`vidf` prmf`gur` tm h`bp licdticd i pmsctcv` wmrk`dvcrmdl`dt wcth r`sp`ft idg r`spmdscncbcty tmwirgs `ifh mth`r Wh` arc`vidf`prmf`gur` cs ibsm cdt`dg`g tm ivmcg udd`f`ssiry `lpbmy`` fbicls idg fmlpidy b`aib`xpmsur` Wh` fmlpidy fiddmt prmlcs` thit ymur sp`fc f arc`vidf` mr fmlpbicdt wcbbr`subt cd th` iftcmd ymu r`qu`st mr thit ymu wcbb n` sitcs `g wcth th` mutfml` mj th`arc`vidf` prmf`gur`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

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cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

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LGCI ^BIWCMDV UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Wm r`licd fmlp`tctcv` n`tt`r s`rv` mur fustml`rs idg prmvcg` mur `lpbmy``s wcthth` n`st tmmbs tm gm th`cr omns FMLUIDS DIL (‒th` Fmlpidyldquo) ct cs clpmrtidt thitcdqucrc`s ny th` l`gci cd r`bitcmd tm mur fmlpidy n` hidgb`g cd iffmrgidf` wcth th`jmbbmwcda pmbcfy

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7 Cj th` Vpmk`sp`rsmd cs dmt ivicbinb` cdqucrc`s shmubg n` r`j`rr`g tm DIL0 FMLUIDS `dfmuria`s th` us` mj l`gci idg issmfcit`g s`rvcf`s n`fius` th`yfid lik` fmlludcfitcmd lmr` `j fc`dt idg `jj`ftcv` idg n`fius` th`y ir` vibuinb`smurf`s mj cdjmrlitcmd inmut v`dgmrs fustml`rs t`fhdmbmay idg d`w prmgufts idgs`rvcf`s Ct cs clpmrtidt tm licdticd i prmp`r spcrct idg tmd` tm ymur fmlludcfitcmds wcthth` l`gci

Whcs pmbcfy fmv`rs ibb jmrls mj r`spmds`s tm th` l`gci cdfbugcda ‒mjj th` r`fmrgldquo idg

idmdylmus stit`l`dtsC hiv` r`ig udg`rstidg idg iar`` tm fmlpby wcth th` jmr`amcda pmbcfc`s rub`s idgfmdgctcmds amv`rdcda th` r`bitcmds wcth th` l`gci C udg`rstidg thit C hiv` r`spmdsc-ncbcty tm licdticd i pmsctcv` r`pr`s`dtitcmd mj th` fmlpidy Jurth`rlmr` C udg`rstidgthit thcs pmbcfy fid n` il`dg`g it idy tcl`

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8112019 FREE HR Kit Workplace Policies

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

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DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

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FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

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ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

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8112019 FREE HR Kit Workplace Policies

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

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UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

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cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

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9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

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7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

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8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

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6 VLMKCDADM-VLMKCDA VCADV

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7 DMD-GCVF^CLCDIWCMD

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DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

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U`mpb` a`d`ribby d``g struftur` Ct prmvcg`s iril`wmrk mr id `dvcrmdl`dt m niscf

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UMBCFS amp

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

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cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

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UMBCFSI pmbcfy cs i mrlib aucgidf` mr rub` tm aucg` g`fcscmds idg ifhc`v`ritcmdib mutfml`s Ctndashs d``g`g tm fmmrgcdit` idg `x`fut` iftcvctythrmuahmut i fmlpidy Qh`d `st`ftcv`by g`pbmy`g pmbcfy stit`l`dtsh`bp mfus itt`dtcmd idg r`smurf`s md hcah prcmrcty cssu`s W`y ibcadidg l`ra` `stmrts tm suff`ss ubby ifhc`v` i nuscd`ss vcscmd Umbcfyprmvcg`s th` mp`ritcmdib ril`wmrk wcthcd whcfh th` nuscd`ss

udftcmds

Umbcfc`s ir` typcfibby wrctt`d tm fmv`r tmpcfs m wcg`spr`ig ippbcfitcmW`y fhida` b`ss r`qu`dtby is th`y ir` fmdscg`r`g th` iar``g upmdstidgirg wcthcd id `dtcty

Psuibby pmbcfc`s ir` `xpr`ss`g cd nrmig t`rls idg fmv`r th` ‒whitldquo idgth` ‒whyldquo m idy acv`d ir`i Umbcfc`s ibsm idsw`r sml` m th`mp`ritcmdib cssu`s r`bit`g tm th` tmpcf it hidg

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

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U^MFGP^VMd th` mth`r hidg i prmf`gur` typcfibby suppmrts i pmbcfy Ct cs il`thmg mr p`r mrlcda i tisk mr i x`g st`p-ny-st`p s`qu`df` miftcvctc`s Urmf`gur`s fmv`r th` mp`ritcmdib prmf`ss`s r`qucr`g tmclpb`l`dt i pmbcfy cdtm iftcmd Mp`ritcda priftcf`s fid n` mrlib mrcd mrlib sp`fc f tm i g`pirtl`dt nucbgcda mr ippbcfinb` ifrmss id`dtcr` nuscd`ss udct C pmbcfy cs ‒whitldquo id mraidczitcmd gm`smp`ritcmdibby th`d ctndashs prmf`gur`s ir` ‒hmwldquo ct cdt`dts tm firry mutthms` mp`ritcda pmbcfy `xpr`sscmds

Urmf`gur`s fmv`r i tmpcf cd i lmr` dirrmw ippbcfitcmd W`y ir`typcfibby prmd` tm fhida` is i nuscd`ss armws mr igiptsUrmf`gur`s mj`d r` `rr`g tm is ‒Vtidgirg Mp`ritcda Urmf`gur`sldquo mr‒VMUsldquo ir` stit`g cd is lufh g`ticb is cs r`qucr`g tm p`r mrliffurit`by idg `st`ftcv`by It b`dath ct wcbb g`sfrcn` i prmf`ss idgfmv`r ‒hmwldquo sml`thcda cs gmd` ‒wh`dldquo ct shmubg tik` pbif` idgmr

‒whmldquo cdvmbv`gNmth pmbcfc`s idg prmf`gur`s ir d`f`ssiry Mutscg` niscf `g`rib idgbmfib b`aib fmlpbcidf` ct cs up tm th` mraidczitcmd hmw cd g`pth nmthtmmbs ir` utcbcz`g Lmst clpmrtidtby nmth ir` tmmbs thit suppmrt ymurmraidczitcmdib priftcf`s idg prcdfcpb`s st`ftcv` b`ig`rs gm dmt b`igny pmbcfy rith`r r` `r tm th`l is tmmbs thrmuahmut th`cr

cdt`rgcsfcpbcdiry b`ig`rshcp `stmrts

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

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VIBV FMLLCVVCMD UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

FMLUIDS DIL piys fmllcsscmds nis`g md sib`s prmfur`g Wh` rit`s mj fmllcsscmdis w`bb is th` r`qucr`g U^MJCW LI^ACDV wcbb n` acv` tm `ifh d`w sib`s `lpbmy`` ittcl` mj hcr` Wh` fmlpidy r`s`rv`s th` rcaht tm fhida` fmllcsscmd rit`s idg mr prm t

liracd r`qucr`l`dts is d``g`g tm prmt`ft th` didfcib cdt`arcty mj th` fmlpidy

FMLUIDS DIL wcbb lik` `v`ry `jjmrt tm piy fmllcsscmds md i lmdthby niscs mdbyidg mdby md dib sib`s Cd dm `v`dt wcbb FMLUIDS DIL piy fmllcsscmds bit`r thidmd` w``k jrml th` git` wh`d th` lmd`y cs r`f`cv`g jmr th` sib`

FMLUIDS DIL liy prmvcg` i griw piyfh`fk md th` GIS mj th` lmdth Whcs G^IQCV ID IGZIDF iaicdst ibb fmllcsscmds `ird`g idg wcbb n` g`guft`g jrml th` fml-lcsscmd piyfh`fk whcfh wcbb n` cssu`g md th` GIS mj th` jmbbmwcda lmdth Cj id `l-

pbmy``ndashs griw `xf``gs hcs fmllcsscmds cd idy acv`d lmdth th` shmrtia` wcbb n` firrc`gjmrwirg idg g`guft`g jrml th` d`xt ivicbinb` fmllcsscmd fh`fk

FMLLCVVCMDV QCBB N FMDVCG^G JCDIB IJW^ DPLN^ GISVCj ymu hiv` i qu`stcmd prmnb`l mr gcsiar``l`dt wcth th` ilmudt mj fmllcsscmd picg

md i sib` n` sur` tm sunlct cd wrctcda th` g`ticbs wcthcd DPLN^ giys mj th` git` th`sib` wis dibcz`g

8112019 FREE HR Kit Workplace Policies

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

8112019 FREE HR Kit Workplace Policies

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

8112019 FREE HR Kit Workplace Policies

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WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

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| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

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VIBV XUDVV ^CLNP^VLDW UMBCFS

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Vib`s r`pr`s`dtitcmd `xp`ds`s lust n` fbicl`g uscda th` DIL jmrl bmfit`g VUFCJSMdf` fmlpb`t`g thcs jmrl shmubg n` r`turd`g tm th` iffmudtcda g`pirtl`dt md th`bist wmrkcda giy mj `ifh lmdth xp`ds`s wcbb n` r`clnurs`g th` jmbbmwcda w``k

9 I pmrtinb` fmlput`r r`qucr`g tm acv` sib`s pr`s`dtitcmds tm fbc`dts idg p`rjmrla`d`rib iglcdcstritcv` gutc`s (prmpmsibs fmdtift lidia`l`dt `tf) liy n` ibbmfit`gtm i sib`s r`pr`s`dtitcv` Wh` pmrtinb` fmlput`r shibb r`licd th` prmp`rty mjFMLUIDS DIL

gt Vib`s r`pr`s`dtitcv`s liy purfhis` i lmncb` phmd` it th`cr mwd `xp`ds` Lmdthbyusia` idg iftcvitcmd j``s cdfurr`g gurcda nuscd`ss hmurs wcbb n` fmlp`dsit`g nyFMLUIDS DIL

6 Fir triv`b jmr sib`s purpms`s wcbb n` r`clnurs`g it th` rit` mj VUFCJS GMBBI^ILMPDW p`r LCBKCBMLW^

7 Uirkcda j``s cdfurr`g gurcda dmrlib nuscd`ss iftcvctc`s wcbb n` fmlp`dsit`g nyFMLUIDS DIL upmd pr`s`dtitcmd mj r`f`cpt

0 ^`ismdinb` nuscd`ss l`ib `xp`ds`s wcbb n` r`clnurs`g ny FMLUIDS DIL^`clnurs`l`dt jmr l`ibs wcbb n` bclct`g tm VUFCJS GMBBI^ ILMPDW p`r giy

Hmt`b bmgacda wh`d d`f`ssiry wcbb n` r`clnurs`g ny FMLUIDS DIL up tm ilixclul mj VUFCJS GMBBI^ ILMPDW p`r dcaht

1 Ibb mth`r sib`s `xp`ds`s (`a fmdj`r`df` hibbs `qucpl`dt `tf) lust n` ipprmv`g nyymur cll`gcit` sup`rvcsmr cd mrg`r tm n` `bcacnb` jmr r`clnurs`l`dt

8 FMLUIDS DIL gm`s dmt prmvcg` mj f` suppbc`s sufh is pbidd`rs cdg`x firgmraidcz`rs ncdg`rs `tf FMLUIDS DIL wcbb r`clnurs` th` fmst mj sufh ct`ls upmdpr`s`dtitcmd mj r`f`cpt Vhmubg ymu r`qucr` jurth`r fbirc fitcmd inmut th` inmv``b`l`dts pb`is` gm dmt h`sctit` tm isk ymur sup`rvcsmr

8112019 FREE HR Kit Workplace Policies

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

8112019 FREE HR Kit Workplace Policies

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4445

WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4545

| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

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VLMKCDA UMBCF

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

9 Q^CWWD UMBCFS

Wh` `lpbmy`` wcbb r`f`cv` i fmpy mj thcs pmbcfy cd th` `lpbmy``ndashs mrc`dtitcmd pifk`tCd iggctcmd fmpc`s mj th` pmbcfy ir` pmst`g cd vircmus bmfitcmds thrmuahmut thcs jifcbctycdfbugcda DIL BMFIWCMDV c` WH N^IK ^MML Iggctcmdib fmpc`s ir` ivicbinb`upmd r`qu`st

gt VLMKCDA CD WH QM^KUBIF

N`fius` FMLUIDS DIL cs i prcvit` nucbgcda dmt mp`d tm th` a`d`rib punbcf slmkcdait FMLUIDS DIL cs dmt amv`rd`g ny stit` biw mr bmfib mrgcdidf` FMLUIDS DIL

ibbmws `lpbmy``s whm hiv` prcvit` mj f`s tm slmk` cd th`cr mj f`s lpbmy``s whmshir` mj f`s lust r`jricd jrml slmkcda cd th` mj f` cj idy `lpbmy`` cd thit mj f`mno`fts Vlmkcda cs dmt ibbmw`g cd BCVW DM VLMKCDA I^IV hmw`v`r slmkcda csibbmw`g cd BCVW GVCADIWG VLMKCDA I^IV Ub`is` mns`rv` th` pmst`g dm slmkscads

6 VLMKCDADM-VLMKCDA VCADV

Wm suppmrt cts pmbcfy mjdmt ibbmwcda slmkcda cd mth`r thid g`scadit`g slmkcda

ir`is FMLUIDS DIL his pmst`g ‒Dm Vlmkcdaldquo idg ‒Vlmkcdaldquo scads cd th`ipprmprcit` ir`is ifh scad pmst`g cd id ir`i wh`r` slmkcda cs prmhcnct`g firrc`s th`cdt`rditcmdibby r`fmadcz`g sylnmb jmr dm slmkcda i r`g fcrfb` fmdticdcda i bct fcair`tt`wcth i bcd` griwd gciamdibby thrmuah th` fcrfb` Ub`is` mns`rv` th`s` scads it ibb tcl`s

7 DMD-GCVF^CLCDIWCMD

Qhit th` `lpbmy`` gm`s mutscg` mjwmrkcda hmurs idg mjj FMLUIDS DILndashs pr`lcs`swcbb dmt n` th` niscs mj idy gcsfcpbcdiry iftcmd ny FMLUIDS DIL Dmr wcbb FMLUIDS

DIL pursu` i pmbcfy mj gcsfhiracda `lpbmy``s mr r`juscda tm hcr` ippbcfidts n`fius`th`y ir` slmk`rs

8112019 FREE HR Kit Workplace Policies

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U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4445

WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4545

| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4345

U^MU^CWI^S CDJM^LIWCMD

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

WHC^G UI^WS FMDJCGDWCIB IDG U^MU^CWI^S CDJM^LIWCMD

FMLUIDS DIL cs v`ry s`dsctcv` tm th` cssu` mj prmt`ftcmd mjtrig` s`fr`ts idgprmprc`tiry cdjmrlitcmd FMLUIDS DIL `lpbmy``s ir` `xp`ft`g tm us` ammg

ougal`dt tm igh`r` tm hcah `thcfib stidgirgs idg tm incg` ny idy fmdjg`dtcibctymnbcaitcmds tm jmrl`r `lpbmy`rs

FMLUIDS DIL `lpbmy``s shibb dmt us` nrcda md th` pr`lcs`s mr mth`rwcs` gcsfbms`idy prmprc`tiry mr trig` s`fr`t cdjmrlitcmd mj jmrl`r `lpbmy`rs mr mth`r thcrg pirtc`sIbb `lpbmy``s shir` r`spmdscncbcty tm `dsur` thit prmp`r s`furcty cs licdticd`g

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4445

WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4545

| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4445

WCL MJJ WM ZM

H^ | wwwbphrfm UIA

VMP^FV | UMBCFS

MZ^ZCQ

Ct cs th` pmbcfy mj FMLUIDS DIL tm acv` `lpbmy``s tcl` mjj tm vmt` Wh` jmbbmwcdas`rv` is i aucg`bcd` jmr vmtcda tcl` mjj prmf`gur`s

IGZIDF ^YPVW

N`jmr` tikcda tcl` mjj tm vmt` th` `lpbmy`` lust lik` i wrctt`d r`qu`st jmr tcl` mjjDPLN^ MJ GISV MJ IGZIDF DMWCF giys n`jmr` vmtcda giy

UICG INVDF

Wcl` mjj tm vmt` wcbb n` tr`it`g is i picg ins`df`

ZMWCDA HMP^V

Wh` `lpbmy`` cs ibbmw`g DPLN^ MJ HMP^V hmurs mj tcl` mjj tm vmt` Wcl` mjj tmvmt` cs aridt`g cjth` pmbbs mp`d j`w`r thid DPLN^ MJ HMP^V hmurs prcmr tm wmrkstirtcda tcl` mr fbms` j`w`r thid DPLN^ MJ HMP^V hmurs ijt`r qucttcda tcl` Wcl`mjjtm vmt` liy n` tik`d n`jmr` fmlcda cd tm wmrk mr it th` `dg mj th` wmrkgiy

FMZ^G BFWCMDV

Whcs tcl` mjj tm vmt` pmbcfy ippbc`s tm WSUV MJ BFWCMDV -A JG^IB VBMFIB b`ftcmds

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4545

| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^

8112019 FREE HR Kit Workplace Policies

httpslidepdfcomreaderfullfree-hr-kit-workplace-policies 4545

| A`t cd tmufh

BUH^ cs i Fir``r Vtrit`acst + H^ Fmdsubtcda Armupnis`g cd th` Pdct`g Vtit`s Q` nrcga`

aips n`tw``d p`mpb` giti + prmf`ss`s

BU|H^