You are on page 1of 96

6HUYLFH 5

:RUNVKRS0DQXDO
)$%,$  ©
6',(QJLQH0HFKDQLFV
(GLWLRQ 
(QJLQHFRGH $6<

cardiagn.com

6HUYLFH'HSDUWPHQW7HFKQLFDO,QIRUPDWLRQ 3ULQWHGLQ&]HFK5HSXEOLF
6
5 6HUYLFH

cardiagn.com

7KH:RUNVKRS0DQXDOLVLQWHQGHGRQO\IRUXVHZLWKLQWKH2UJDQLVDWLRQiNRGD 3ULQWHGLQ&]HFK5HSXEOLF
,WLVQRWSHUPLWWHGWRSDVVLWRQWRRWKHUSHUVRQV 6

ƒi.2'$$872DV
)$%,$  © 6',(QJLQH0HFKDQLFV

/LVWRI6XSSOHPHQWVWR:RUNVKRS0DQXDO
)$%,$  ©
6',(QJLQH0HFKDQLFV
(GLWLRQ 

6XSSOH
(GLWLRQ 6XEMHFW $UWLFOH1XPEHU
PHQW
 %DVLF(GLWLRQ 6
  6XSSOHPHQWWR%DVLF(GLWLRQ 6
  0RGLILFDWLRQVLQ5HS*UDQG 6

cardiagn.com

(GLWLRQ /LVWRI6XSSOHPHQWV
6
)$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

/LVWRI6XSSOHPHQWV (GLWLRQ
6
)$%,$  © 6',(QJLQH0HFKDQLFV

7DEOHRI&RQWHQWV

 ± 7HFKQLFDO'DWD
7HFKQLFDOGDWD   SDJH 

 ± 5HPRYLQJDQG,QVWDOOLQJ(QJLQH
5HPRYLQJDQG,QVWDOOLQJ(QJLQH   SDJH 
 5HPRYLQJHQJLQH   SDJH 
 6HFXULQJWKHHQJLQHWRWKHDVVHPEO\VWDQG   SDJH 
 ,QVWDOOLQJWKHHQJLQH   SDJH 
 7LJKWHQLQJWRUTXHV   SDJH 
 $VVHPEO\EUDFNHW   SDJH 

 ± &UDQNJHDU
5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW   SDJH 
 6XPPDU\RIFRPSRQHQWV9HKLFOHVZLWKRXWDLUFRQGLWLRQLQJ   SDJH 
 6XPPDU\RIFRPSRQHQWV9HKLFOHVZLWKDLUFRQGLWLRQLQJ   SDJH 
5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW   SDJH 

cardiagn.com
 6XPPDU\RIFRPSRQHQWV   SDJH 
 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW   SDJH 
 ,QVSHFWLQJWKHVHPLDXWRPDWLFWLPLQJEHOWWHQVLRQLQJSXOOH\   SDJH 
5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO   SDJH 
 5HSODFLQJJDVNHWULQJIRUFUDQNVKDIWRQWKHEHOWSXOOH\VLGH   SDJH 
 5HPRYLQJDQGLQVWDOOLQJWKHIURQWVHDOLQJIODQJH   SDJH 
&UDQNVKDIW3LVWRQDQG&RQURG   SDJH 
 5HPRYLQJDQGLQVWDOOLQJFUDQNVKDIW   SDJH 
 'LVDVVHPEOLQJDQGDVVHPEOLQJSLVWRQDQGFRQURG   SDJH 
 &KHFNLQJSLVWRQSURMHFWLRQLQ7'&   SDJH 

 ± &\OLQGHU+HDG9DOYH*HDU
5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG   SDJH 
 6XPPDU\RIFRPSRQHQWV   SDJH 
 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG   SDJH 
 7HVWLQJFRPSUHVVLRQ   SDJH 
5HSDLULQJ9DOYH*HDU   SDJH 
&DPVKDIW   SDJH 
 7HVWLQJK\GUDXOLFEXFNHWWDSSHWV   SDJH 
 5HPRYLQJDQGLQVWDOOLQJFDPVKDIW   SDJH 
9DOYH6HDWV9DOYHV*XLGH9DOYH6WHP6HDO   SDJH 
 5HZRUNLQJYDOYHVHDWV   SDJH 
 &DOFXODWLQJPD[SHUPLVVLEOHUHZRUNLQJGLPHQVLRQ   SDJH 
 ,QVSHFWLQJYDOYHJXLGHV   SDJH 
 5HSODFLQJYDOYHVWHPVHDOV   SDJH 

 ± /XEULFDWLRQ
5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP   SDJH 
 'LVDVVHPEOLQJDQGDVVHPEOLQJWKHRLOILOWHUKROGHU   SDJH 
5HPRYLQJDQGLQVWDOOLQJRLOSDQ   SDJH 

(GLWLRQ 7DEOHRI&RQWHQWV ,
6
)$%,$  © 6',(QJLQH0HFKDQLFV

7HVWLQJRLOSUHVVXUHDQGRLOSUHVVXUHVZLWFK   SDJH 


 ± &RROLQJ
3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV   SDJH 
 3DUWVRIWKHFRROLQJV\VWHPILWWHGWRERG\   SDJH 
 3DUWVRIFRROLQJV\VWHPHQJLQHVLGH   SDJH 
 &RQQHFWLRQGLDJUDPIRUFRRODQWKRVHV   SDJH 
 'UDLQLQJDQGILOOLQJXSFRRODQW   SDJH 
 &KHFNLQJWKHFRRODQWV\VWHPIRUWLJKWQHVV   SDJH 
5HPRYLQJDQG,QVWDOOLQJ5DGLDWRU&RRODQW3XPS&RRODQW5HJXODWRU   SDJH 
 5HPRYLQJDQGLQVWDOOLQJUDGLDWRU   SDJH 
 5HPRYLQJDQGLQVWDOOLQJFRRODQWSXPS   SDJH 
 5HPRYLQJDQGLQVWDOOLQJFRRODQWUHJXODWRU   SDJH 

 ± )XHO6XSSO\
5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP   SDJH 
 )XHOWDQNZLWKFRPSRQHQWSDUWV6XPPDU\RIFRPSRQHQWV   SDJH 
 6DIHW\SUHFDXWLRQVZKHQZRUNLQJRQWKHIXHOVXSSO\V\VWHP   SDJH 
 &OHDQOLQHVVUXOHV   SDJH 

cardiagn.com
 5HSDLULQJWKHIXHOILOWHU   SDJH 
 5HPRYLQJDQGLQVWDOOLQJWKHIXHOJDXJHVHQGHUXQLW   SDJH 
 5HPRYLQJDQGLQVWDOOLQJWKHIXHOJDXJHVHQGHU   SDJH 
 5HPRYLQJDQGLQVWDOOLQJWKHIXHOWDQN   SDJH 
5HSDLULQJWKHDFFHOHUDWRUFRQWURO   SDJH 
 6XPPDU\RIFRPSRQHQWV   SDJH 

 ± ([KDXVW6\VWHP
5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP   SDJH 
 $OLJQH[KDXVWV\VWHPIUHHRIVWUHVV   SDJH 
 5HSODFLQJIURQWRUUHDUVLOHQFHU   SDJH 
 &KHFNLQJWKHH[KDXVWV\VWHPIRUOHDNV   SDJH 
([KDXVW*DV5HFLUFXODWLRQ6\VWHP   SDJH 
 5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHH[KDXVWJDVUHFLUFXODWLRQV\VWHP   SDJH 
 &RQQHFWLRQGLDJUDPIRUYDFXXPKRVHV   SDJH 
 7HVWLQJPHFKDQLFDOH[KDXVWJDVUHFLUFXODWLRQYDOYH   SDJH 

7DEOHRI&RQWHQWV (GLWLRQ
,, 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± 7HFKQLFDO'DWD

 7HFKQLFDOGDWD
(QJLQHQXPEHU
7KHHQJLQHQXPEHU dHQJLQHLGHQWLILFDWLRQFKDUDFWHUVq
DQGdVHULDOQXPEHUq LVORFDWHGLQWKHIURQWDWWKHHQJLQH
JHDUER[MRLQWDUURZ
,QDGGLWLRQDVWLFNHUZLWKWKHdHQJLQHLGHQWLILFDWLRQFKDU
DFWHUVqDQGdVHULDOQXPEHUqLVDIIL[HGWRWKHWRRWKHGEHOW
JXDUG
7KHHQJLQHLGHQWLILFDWLRQFKDUDFWHUVDUHDOVRLQGLFDWHGRQ
WKHYHKLFOHGDWDVWLFNHU

(QJLQHFKDUDFWHULVWLFV

cardiagn.com
,GHQWLILFDWLRQFKDUDFWHUV $6<
0DQXIDFWXUHG ©
([KDXVWOLPLWVFRQIRUPLQJWR (8
'LVSODFHPHQW O 
3RZHURXWSXW N:DWUSP 
7RUTXH 1PDWUSP 
%RUH ºPP 
6WURNH PP 
&RPSUHVVLRQUDWLR 
)LULQJRUGHU 
&1 PLQ 
&DWDO\WLFFRQYHUWHU \HV
([KDXVWJDVUHFLUFXODWLRQ \HV
7XUERFKDUJLQJ QR
&KDUJHDLUFRROHU QR

(GLWLRQ 7HFKQLFDOGDWD SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

7HFKQLFDOGDWD (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± 5HPRYLQJDQG,QVWDOOLQJ(QJLQH

 5HPRYLQJDQG,QVWDOOLQJ
(QJLQH
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ :RUNVKRSFUDQH HJ9$*  $ 
‰ &DWFKSDQ HJ9$* 
‰ 7RUTXHZUHQFK
‰ (QJLQHJHDUER[MDFN HJ9$*  $ 
‰ 3OLHUVIRUVSULQJVWUDSFOLSV
‰ (QJLQHPRXQW7
‰ 'LVWDQFHVOHHYH7
‰ (QJLQHDQGJHDUER[PRXQW03 
‰ $VVHPEO\VWDQG03 
‰ /LIWLQJGHYLFH03 

cardiagn.com
‰ *UHDVH*  
‰ +RWVFUHZSDVWH*   $
‰ :LUH
‰ $GKHVLYHWDSH
‰ /DGGHU

5HPRYLQJHQJLQH

1RWH
‰ 7KHHQJLQHLVUHPRYHGGRZQZDUGVWRJHWKHUZLWKWKH
JHDUER[
‰ 6XSSRUWLQJSRLQWVRQWKHOLIWSODWIRUPÜ ,QVSHFWLRQ
DQG0DLQWHQDQFH
‰ $OOFDEOHVWUDSVWKDWKDYHWREHORRVHQHGZKHQWKHHQ
JLQHZDVUHPRYHGPXVWEHILWWHGDJDLQLQWKHVDPHOR
FDWLRQ
‰ )XHOOLQHVRQWKHHQJLQHPXVWDOZD\VEHVHFXUHGZLWK
VSULQJW\SHFOLSV7KHXVHRIFODPSW\SHRUVFUHZW\SH
FOLSVLVQRWDOORZHG
‰ 8VHSOLHUVIRUVSULQJVWUDSFOLSVWRILWWKHVSULQJVWUDS
FOLSV
‰ 3D\DWWHQWLRQWRFRUUHFWDVVLJQPHQWRIWKHFRQQHFWRUV
LIQHFHVVDU\PDUN

3URFHGXUH
t 2QPRGHOVILWWHGZLWKDFRGHGUDGLRVHWSD\DWWHQWLRQ
WRWKHFRGLQJGHWHUPLQHLIQHFHVVDU\
t 'LVFRQQHFWWKHHDUWKVWUDSIURPWKHEDWWHU\ZLWKWKHLJ
QLWLRQRII
t 2SHQWKHFDSRIWKHFRRODQWFRPSHQVDWLRQERWWOH
t 5HPRYHQRLVHLQVXODWLRQDUURZV 6

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ(QJLQH SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 5HPRYHGULYHVKDIWWRWKHULJKWÜ 5XQQLQJJHDU
5HS *U 
t 8QVFUHZWKHGULYHVKDIWWRWKHOHIWRIWKHJHDUER[
IODQJH
t 5DLVHGULYHVKDIWRQWKHOHIWDQGVHFXUH
t 5HPRYHIURQWH[KDXVWSLSHZLWKFDWDO\VWÜ &KDSWHU

t 3ODFHGULSWUD\EHORZWKHHQJLQH HJ9$*  
t 7XUQWKHGUDLQSOXJDUURZRQWKHUDGLDWRUWRWKHOHIW
LIQHFHVVDU\ILWDX[LOLDU\KRVHRQWRFRQQHFWLRQ

A10-0118

t ,QDGGLWLRQGHWDFKFRRODQWKRVHDWERWWRPRIRLOFRROHU
DUURZDQGDOORZUHPDLQLQJFRRODQWWRGUDLQ

cardiagn.com
6

t 5HPRYHHQJLQHFRYHU
7RGRVRSXOOWKHIURQWDQGUHDUHQJLQHFRYHUXSZDUGV
ZLWKDVXGGHQPRWLRQDUURZV

6

5HPRYLQJDQG,QVWDOOLQJ(QJLQH (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 5HPRYHDLUILOWHUZLWKLQWDNHKRVHÜ 6',(Q
JLQH)XHO,QMHFWLRQ5HS *U 
t 5HPRYHEDWWHU\DQGEDWWHU\WUD\Ü (OHFWULFDO6\VWHP
5HS *U  
t 8QVFUHZWKHJHQHUDWRUFDEOHVIURPWKHEDWWHU\FRYHU  
DQGUHPRYHWKHZLULQJORRPIURPWKHKROGHU
t 8QSOXJFRQQHFWRUIURPWKHHQJLQHFRQWUROXQLW
t 6HSDUDWHSOXJFRQQHFWLRQVDQG
t 8QFOLSFDEOHFOLSDUURZV 
t 5HPRYHHDUWKFDEOHRQXSSHUVWDUWHUVFUHZ
t 5HPRYHWKHYDFXXPKRVHIURPWKHEUDNHVHUYRXQLW
t 'LVFRQQHFWWKHYDFXXPKRVHWRWKHH[KDXVWJDVUHFLU 6
FXODWLRQYDOYHRQWKHQRQUHWXUQYDOYH

t 5HPRYHFRRODQWKRVHVDQGIURPWKHKHDW
H[FKDQJHUVXSSRUW
t 5HPRYHDOOIXUWKHUFRRODQWKRVHV 
‰ IURPWRSDQGERWWRPRIUDGLDWRU

cardiagn.com
‰ 9HQWLODWLRQKRVHRQWKHFRPSHQVDWLRQERWWOH
‰ ,QOHWKRVHIURPWKHFRPSHQVDWLRQERWWOHRQFRRODQW
SLSH



6

t 'LVFRQQHFWWKH%RZGHQFDEOHVXSSRUWIURPJHDUER[
DUURZV
t 'LVFRQQHFWWKHKRVHOLQH$IURPWKHJHDUER[KROGHU
t 5HPRYHVODYHF\OLQGHU%OD\WRRQHVLGHDQGVHFXUH
ZLWKZLUH'RQRWRSHQOLQHV\VWHP

1RWH
'RQRWGHSUHVVWKHFOXWFKSHGDO

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ(QJLQH SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 5HPRYHVHOHFWRUFDEOH$ZLWKUHOD\OHYHU7RGRVR
UHPRYHWKHFLUFOLSDUURZIURPWKHUHOD\OHYHU
t 5HPRYHWKHVKLIWFDEOH%ZLWKWKHJHDUVKLIWOHYHU7R
GRVRXQVFUHZQXWDUURZ
t 5DLVHFRQWUROFDEOHVDQGDWWDFK

t 5HPRYHIXHOKRVHVIURPLQMHFWLRQSXPSVDUURZV
FORVHZLWKSOXJVDQGOD\WRRQHVLGH
t 'LVFRQQHFWYDFXXPKRVHRQPHFKDQLFDOH[KDXVWJDV
UHFLUFXODWLRQYDOYH

cardiagn.com
6

t 8QSOXJFRQQHFWRUIURPWKHJHQHUDWRUZLULQJORRP
t 'LVFRQQHFWSOXJIURPWKHUHYHUVLQJOLJKWVZLWFK
)

6

5HPRYLQJDQG,QVWDOOLQJ(QJLQH (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 8QEROWWKHSHQGXOXPVXSSRUWDUURZV

9HKLFOHVZLWKDLUFRQGLWLRQLQJ

:DUQLQJ
5HIULJHUDQWFLUFXLWRIWKHDLUFRQGLWLRQLQJV\VWHP
PXVWQRWEHRSHQHG

t 5HPRYLQJWKH9ULEEHGEHOW
2EVHUYHLQVWUXFWLRQVÜ &KDSWHU

t 5HPRYHFRQQHFWRUIURPWKH$&FRPSUHVVRU
t 5HPRYH$&FRPSUHVVRUZLWKFRQQHFWHGUHIULJHUDQW

cardiagn.com
OLQHVOD\WRWKHOHIWDQGDWWDFKWRWKHORFNFDUULHU
t 5HPRYHJHQHUDWRU
t /D\$&FRPSUHVVRUWRWKHULJKWDQGDJDLQDWWDFKWR
ORFNFDUULHU

&RQWLQXHGIRUDOOYHKLFOHV
t ,QVHUWHQJLQHPRXQW7LQWRHQJLQHJHDUER[
MDFN HJ9$*  $ 
t 6FUHZHQJLQHPRXQW7WRWKHF\OLQGHUEORFN
ZLWKIL[LQJQXWVDQGEROWV0WR 1P
t 6OLJKWO\UDLVHWKHHQJLQHDQGJHDUER[ZLWKWKHHQJLQH
JHDUER[MDFN

7
9$*$ 1

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ(QJLQH SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 8QVFUHZWKHHQJLQHPRXQWLQJIURPWKHHQJLQHVXS
SRUWEUDFNHWIURPWKHWRSDUURZV$
$
1RWH $
8VHDODGGHUWRUHPRYHWKHIL[LQJEROWV
$

%
% 6

t 8QVFUHZWKHJHDUER[PRXQWIURPWKHJHDUER[VXSSRUW
EUDFNHWIURPWKHWRSDUURZV
t &DUHIXOO\ORZHUWKHHQJLQHZLWKJHDUER[
:KLOHGRLQJVRSLYRWWKHJHDUER[VOLJKWO\IRUZDUGV

cardiagn.com
1RWH
&DUHIXOO\JXLGHWKHHQJLQHZLWKJHDUER[GXULQJWKHORZHU
LQJRSHUDWLRQ7KHUHPXVWDOZD\VEHDFOHDUDQFHIURPWKH
DGMRLQLQJFRPSRQHQWVHVSHFLDOO\LQWKHDUHDRIWKHLQWDNH
PDQLIROGIODS

6HFXULQJWKHHQJLQHWRWKHDVVHPEO\
VWDQG 6
7RSHUIRUPWKHDVVHPEO\ZRUNWKHHQJLQHPXVWEHVH
FXUHGWRWKHDVVHPEO\VWDQG03 

1RWH
:KHQPHDVXULQJWKHF\OLQGHUERUH Ü &KDSWHU WKH
HQJLQHPXVWQRWEHIL[HGWRWKHDVVHPEO\VWDQG

3URFHGXUH
t 8VHDOLIWLQJGHYLFHWROLIWWKHHQJLQHJHDUER[XQLWRQWR
WKHZRUNEHQFK
t /RZHUWKHHQJLQHJHDUER[XQLWLQVXFKDZD\WKDWWKH
JHDUER[LVSRVLWLRQHGRQWKHVXSSRUW

7 9$*$
1

5HPRYLQJDQG,QVWDOOLQJ(QJLQH (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 5HPRYHFRYHUSODWH
t 8QSOXJWKHFRQQHFWRUIURPWKHVSHHGRPHWHUVHQGHU 
*
t 5HPRYHHQJLQHJHDUER[FRQQHFWLQJVFUHZV
t 3UHVVJHDUER[IURPHQJLQH

6

t +RRNRQOLIWLQJGHYLFH03 DVIROORZVDQGOLIW
RXWRIHQJLQHJHDUER[PRXQWXVLQJWKHZRUNVKRS
FUDQH  03

2QWKHEHOWSXOOH\VLGH

WKKROHRIWKHYHUWLFDOSHUIRUDWHGEDULQSRVLWLRQ

cardiagn.com

2QWKHIO\ZKHHOVLGH 
UGKROHRIWKHYHUWLFDOSHUIRUDWHGEDULQSRVLWLRQ
  

:DUQLQJ
8VHVHFXULQJSLQVRQWKHKRRNVDQGULJSLQV

1RWH 6
‰ 7KHULJSRVLWLRQVRQWKHVXSSRUWLQJEUDFNHWPDUNHG
WRSRLQWWRZDUGVWKHEHOWSXOOH\
‰ 7KHKROHVLQWKHYHUWLFDOSHUIRUDWHGEDUVDUHFRXQWHG
IURPWKHKRRN

t $WWDFKHQJLQHWRWKHDVVHPEO\VWDQG03 ZLWK 03


WKHHQJLQHDQGJHDUER[PRXQW03  DQGWKH
GLVWDQFHVOHHYHV7

,QVWDOOLQJWKHHQJLQH

1RWH
7
‰ $OZD\VUHSODFHWKHVHDOVDQGJDVNHWVGXULQJDVVHP
EO\ZRUN
‰ $OZD\VUHSODFHVHOIORFNLQJQXWV
‰ $SSO\KRWVFUHZSDVWH*   $WRWKHSLQ
VFUHZVRQWKHH[KDXVWPDQLIROG
6
‰ 7LJKWHQLQJWRUTXHVÜ SDJH 
‰ $VVHPEO\EUDFNHWÜ SDJH 

3URFHGXUH
,QVWDOODWLRQLVSHUIRUPHGLQWKHUHYHUVHRUGHU3D\DWWHQ
WLRQWRWKHIROORZLQJSRLQWV

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ(QJLQH SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t &KHFNZKHWKHUWKHGRZHOVOHHYHVIRUFHQWHULQJWKH
HQJLQHJHDUER[DUHSUHVHQWLQWKHF\OLQGHUEORFNLQ
VHUWLIQHFHVVDU\
t &KHFNZKHWKHUWKHLQWHUPHGLDWHSODWHKDVEHHQLQVHUW
HGRQWKHVHDOLQJIODQJHDQGUHVWVRQWKHGRZHO
VOHHYHVDUURZV
t ,IQHFHVVDU\FKHFNWKHFHQWHULQJRIWKHFOXWFKGULYHU
GLVF
t ,QVSHFWFOXWFKUHOHDVHEHDULQJIRUZHDUUHSODFHLIQHF
HVVDU\
t /XEULFDWHWKHGULYHVKDIWVHUUDWLRQOLJKWO\ZLWKJUHDVH
*   
t ,QVWDOOWKHVODYHF\OLQGHURIWKHK\GUDXOLFFOXWFK
Ü 0DQXDO*HDUER[75HS *U 
t $GMXVWWKHJHDUVKLIWPHFKDQLVPDQGFDEOHFRQWURO
Ü 0DQXDO*HDUER[75HS *U  $
t :KHQLQVWDOOLQJWKHHQJLQHJHDUER[XQLWPDNHVXUHDOO
DGMRLQLQJFRPSRQHQWVDUHIUHHWRPRYH
t $OLJQWKHHQJLQHJHDUER[XQLWIUHHRIVWUHVV

cardiagn.com
7LJKWHQLQJWRUTXHVÜ SDJH 

9HKLFOHVZLWKDLUFRQGLWLRQLQJ
t ,QVWDOOWKHDLUFRQGLWLRQLQJFRPSUHVVRUÜ &KDSWHU

t ,QVWDOODOWHUQDWRUÜ (OHFWULFDO6\VWHP5HS *U 
t ,QVWDOOWKH9ULEEHGEHOWÜ &KDSWHU

&RQWLQXHGIRUDOOYHKLFOHV
t ,QVWDOOWKHULJKWGULYHVKDIWDQGVFUHZWKHOHIWGULYH
VKDIWRQWRWKHJHDUER[Ü 5XQQLQJJHDU5HS *U 
t ,QVWDOOIURQWH[KDXVWSLSHZLWKFDWDO\VWÜ &KDSWHU

t (OHFWULFDOFRQQHFWLRQVDQGSURSHUURXWLQJÜ &XUUHQW
)ORZ'LDJUDPV(OHFWULFDO)DXOW)LQGLQJDQG)LWWLQJ/R
FDWLRQV
t ,QVWDOOWKHFRRODQWKRVHVÜ &KDSWHU
t 7RSXSFRRODQWÜ &KDSWHU
t &RQQHFWXSWKHEDWWHU\
t &KHFNRLOOHYHOEHIRUHVWDUWLQJWKHHQJLQH
t ,QWHUURJDWHIDXOWPHPRU\DQGHUDVHÜ 6',(Q
JLQH)XHO,QMHFWLRQ5HS *U 
t 3HUIRUPDWHVWGULYH

5HPRYLQJDQG,QVWDOOLQJ(QJLQH (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

1RWH
‰ 7KHGUDLQHGRIIFRRODQWPXVWRQO\EHUHXVHGLIWKHF\O
LQGHUEORFNF\OLQGHUKHDGUDGLDWRURUKHDWH[FKDQJHU
ZHUHQRWUHSODFHG
‰ ,IWKHEDWWHU\HDUWKVWUDSLVGLVFRQQHFWHGDQGFRQQHFW
HGFDUU\RXWDGGLWLRQDORSHUDWLRQVÜ (OHFWULFDO6\V
WHP5HS *U 

7LJKWHQLQJWRUTXHV
&RPSRQHQW 1P
6FUHZVQXWV 0 
0 
0 
0 
0 
GHYLDWLRQV
(QJLQHPRXQWLQJJHDUER[ Ü$VVHPEO\EUDFNHW

cardiagn.com
PRXQWSHQGXOXPVXSSRUW
2
(QJLQHWRJHDUER[FRQQHFW Ü 0DQXDOJHDUER[
LQJVFUHZV 75HS *U  1
'ULYHVKDIWWRJHDUER[PRXQW Ü &KDVVLV
LQJIODQJH 5HS *U 

$VVHPEO\EUDFNHW
1
1
7LJKWHQLQJWRUTXHV
(QJLQHDVVHPEO\EUDFNHW

  1P WXUQ UHSODFH S10-0124

  1P WXUQ UHSODFH

*HDUER[DVVHPEO\EUDFNHW 2
  1P WXUQ UHSODFH
1
  1P WXUQ UHSODFH
1

1 S10-0125

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ(QJLQH SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

+LQJHGEUDFNHW

1RWH
7LJKWHQVFUHZVLQWKHHORQJDWHGKROHVRIWKHVXSSRUW
LQVXFKDZD\WKDWWKHPD[LPXPSHUPLVVLEOHGLVWDQFHLV
REWDLQHGEHWZHHQWKHJHDUER[DQGWKHDVVHPEO\FDUULHU

  1P WXUQ UHSODFH


  1P WXUQ UHSODFH

2
S10-0126

cardiagn.com

5HPRYLQJDQG,QVWDOOLQJ(QJLQH (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± &UDQNJHDU

 5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW

6XPPDU\RIFRPSRQHQWV9HKLFOHVZLWKRXWDLUFRQGLWLRQLQJ

1RWH
‰ 0DUNWKHURWDWLRQGLUHFWLRQEHIRUHUHPRYLQJWKH9ULEEHGEHOW5HYHUVLQJWKHURWDWLRQGLUHFWLRQRIDQDOUHDG\XVHG
EHOWPD\GHVWUR\LW
‰ 3D\DWWHQWLRQWRWKHFRUUHFWSRVLWLRQRIWKH9ULEEHGEHOWLQWKHEHOWSXOOH\ZKHQLQVWDOOLQJLW

  1PWRUTXHDIXUWKHU
WXUQ 
  9LEUDWLRQGDPSHUEHOWSXOOH\     
q $VVHPEO\RQO\SRVVLEOHLQ
RQHSRVLWLRQKROHVRIIVHW
  1P
  7HQVLRQHUIRU9ULEEHGEHOW

cardiagn.com
  %UDFNHW
q IRULQMHFWLRQSXPSDQGJHQHU
DWRU
q 'RZHOVOHHYHIRUFHQWHULQJ
Ü )LJ LQSDJH 
  1P
  *HQHUDWRU
q WRIDFLOLWDWHWKHSRVLWLRQLQJRI
WKHJHQHUDWRURQWKHKROGHU
GULYHWKHWKUHDGHGEXVKLQJV
RIWKHUHWDLQLQJVFUHZVVOLJKW
O\EDFNZDUGV
  1P
  9ULEEHGEHOW

   

6

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

)LJ  GRZHOVOHHYHIRUFHQWHULQJ

t %HIRUHLQVWDOOLQJWKHEUDFNHWFKHFNZKHWKHUWKHGRZHO
VOHHYHDUURZKDVEHHQILWWHG

6

6XPPDU\RIFRPSRQHQWV9HKLFOHVZLWKDLUFRQGLWLRQLQJ

1RWH

cardiagn.com
‰ 0DUNWKHURWDWLRQGLUHFWLRQEHIRUHUHPRYLQJWKH9ULEEHGEHOW5HYHUVLQJWKHURWDWLRQGLUHFWLRQRIDQDOUHDG\XVHG
EHOWPD\GHVWUR\LW
‰ 3D\DWWHQWLRQWRWKHFRUUHFWSRVLWLRQRIWKH9ULEEHGEHOWLQWKHEHOWSXOOH\ZKHQLQVWDOOLQJLW

  1PWRUTXHDIXUWKHU
WXUQ 
  9LEUDWLRQGDPSHUEHOWSXOOH\
q $VVHPEO\RQO\SRVVLEOHLQ
RQHSRVLWLRQKROHVRIIVHW
  1P
  *HQHUDWRU
q WRIDFLOLWDWHWKHSRVLWLRQLQJRI
WKHJHQHUDWRURQWKHKROGHU
GULYHWKHWKUHDGHGEXVKLQJV
RIWKHUHWDLQLQJVFUHZVVOLJKW
O\EDFNZDUGV
  7HQVLRQHUIRU9ULEEHGEHOW
  %UDFNHW
q IRULQMHFWLRQSXPSJHQHUDWRU
DQG$&FRPSUHVVRU
q 'RZHOVOHHYHIRUFHQWHULQJ
Ü )LJ LQSDJH 
  1P
  $&FRPSUHVVRU
  'RZHOVOHHYHVIRU$&FRP
SUHVVRU
q PXVWEHSUHVHQWLQKROGHU
Ü LWHP 
  9ULEEHGEHOW

5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

5HPRYLQJYHKLFOHVZLWKRXWDLUFRQGLWLRQLQJ
t 0DUNWKHURWDWLRQGLUHFWLRQRIWKH9ULEEHGEHOW
t 7RVODFNHQWKH9ULEEHGEHOWWXUQWKHWHQVLRQLQJGH
YLFHLQWKHGLUHFWLRQRIWKHDUURZ
t 5HPRYLQJWKH9ULEEHGEHOW

6
5HPRYLQJYHKLFOHVZLWKDLUFRQGLWLRQLQJ
t 5HPRYHQRLVHLQVXODWLRQDUURZV
t 0DUNWKHURWDWLRQGLUHFWLRQRIWKH9ULEEHGEHOW

cardiagn.com
6

t 7RVODFNHQWKH9ULEEHGEHOWWXUQWKHWHQVLRQLQJGH
YLFHLQWKHGLUHFWLRQRIWKHDUURZ
t 5HPRYLQJWKH9ULEEHGEHOW

,QVWDOOLQJ

1RWH
‰ &KHFN9ULEEHGEHOWIRUZHDUÜ ,QVSHFWLRQDQG0DLQ
WHQDQFH
‰ %HIRUHILWWLQJWKHULEEHG9EHOWPDNHVXUHWKDWDOODV
VHPEOLHV JHQHUDWRUDQG$&FRPSUHVVRU DUHVHFXUH
O\PRXQWHG
‰ &KHFNVPRRWKRSHUDWLRQRIEHOWSXOOH\DQGWHQVLRQLQJ
SXOOH\

t 7LJKWHQWKHWHQVLRQLQJGHYLFHLQWKHVDPHZD\DV
ZKHQUHPRYLQJDQGILWULEEHG9EHOW

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HPRYLQJDQGLQVWDOOLQJ9ULEEHGEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW
6XPPDU\RIFRPSRQHQWV

1RWH
0DUNWKHURWDWLRQGLUHFWLRQEHIRUHUHPRYLQJWKH9ULEEHGEHOW5HYHUVLQJWKHURWDWLRQGLUHFWLRQRIDQDOUHDG\XVHGEHOW
PD\GHVWUR\LW

  1PWRUTXHDIXUWKHU
        
WXUQ 
q WRUHOHDVHDQGWLJKWHQXVH
FRXQWHUKROGHU7  
SODFHZDVKHUVXQGHU
QHDWK
q UHSODFH
 
q RQO\XVHWKHRULJLQDOVFUHZ 
GRQRWRLORUJUHDVH
  1PWRUTXHDIXUWKHU
WXUQ 
q UHSODFH

cardiagn.com
  1P 
  %RWWRPWRRWKHGEHOWJXDUG 
q UHPRYHIRUWKHUHPRYDORIWKH
 
EHOWSXOOH\YLEUDWLRQGDPSHU
 
  0LGGOHWRRWKHGEHOWJXDUG 
  1P 
q UHSODFH  
  1P

  (QJLQHVXSSRUWEUDFNHW
  7RSWRRWKHGEHOWJXDUG
  7LPLQJEHOW 
q EHIRUHUHPRYLQJPDUNUXQ 
QLQJGLUHFWLRQ

q FKHFNIRUGDPDJH
q GRQRWNLQN

q UHPRYLQJDQGLQVWDOOLQJ 
Ü SDJH  
  )L[LQJEROWVIRUWKHLQMHFWLRQ 6
SXPSJHDU
q SD\DWWHQWLRQWRGLIIHUHQWYHUVLRQV VSDUHSDUWQXPEHU DQGWLJKWHQLQJWRUTXHVÜ )LJ LQSDJH 
  1P
  1P
  1P
q WRUHOHDVHDQGWLJKWHQWKHFRXQWHUKROGHU03 RU7XVH
  &DPVKDIWVSURFNHW
q UHPRYHZLWKWZRDUPH[WUDFWRU7Ü SDJH 
  VHPLDXWRPDWLFWHQVLRQLQJSXOOH\
q FKHFNVHPLDXWRPDWLFWHQVLRQLQJSXOOH\Ü SDJH 
q ILWWLQJSRVLWLRQÜ )LJ LQSDJH 
  *XLGHSXOOH\
  ,QMHFWLRQSXPSJHDU
q SD\DWWHQWLRQWRGLIIHUHQWYHUVLRQVUHODWHGWRWKHIL[LQJEROWV Ü LWHP  Ü )LJ LQSDJH 
q ERWKYHUVLRQVZLWKWKHUHOHYDQWEROWVPD\EHILWWHG

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

  1P
q UHSODFH
  1P
  7LPLQJEHOWJXDUGUHDU
  &RRODQWSXPS
q UHPRYLQJDQGLQVWDOOLQJÜ &KDSWHU
  *XLGHSXOOH\
q XQVFUHZZKHQUHPRYLQJWKHFRRODQWSXPS
  7LPLQJEHOWJHDUFUDQNVKDIW
q WKHUHPXVWQRWEHDQ\RLOSUHVHQWRQFRQWDFWVXUIDFHEHWZHHQWLPLQJEHOWVSURFNHWDQGWKHFUDQNVKDIW
q )LWWLQJSRVLWLRQWKHIODWVRQWKHWLPLQJEHOWJHDUDQGWKHFUDQNVKDIWPXVWFRUUHVSRQG
  1P
  %XVK
  1XW
q LQVHUWLQEXVKÜ LWHP LQSDJH 
  ,QMHFWLRQSXPS
q QHYHUORRVHQWKHFHQWUDOQXW
q UHPRYLQJDQGLQVWDOOLQJÜ 6',HQJLQH)XHO,QMHFWLRQ5HS *U 
  %UDFNHW
q GLIIHUHQWIRUYHKLFOHVZLWKDQGZLWKRXWDLUFRQGLWLRQLQJ

cardiagn.com
  1P

)LJ  9HUVLRQVRIWKHIL[LQJEROWVRIWKHLQMHFWLRQ
SXPSJHDU
9HUVLRQ$)L[LQJEROWVZLWKUHOLHIRQWKHWKUHDG
VWHPDQGWLSDUURZV
$
‰ 6SDUHSDUWQXPEHURIWKHIL[LQJEROWV1   
‰ 7LJKWHQLQJWRUTXH1PWRUTXHDIXUWKHU 
WXUQ
‰ $OZD\VUHSODFHWKHIL[LQJEROWV
‰ 6SDUHSDUWQXPEHURIWKHLQMHFWLRQSXPSJHDU %
   $ YLVLEOHIURPWKHRXVWLGH

1RWH
1
)L[LQJEROW$LVDQDQWLIDWLJXHEROWDQGPXVWDOZD\VEH
UHSODFHG
9HUVLRQ%)L[LQJEROWZLWKRXWUHOLHIRQWKHWKUHDG
VWHPDQGWLS
‰ 6SDUHSDUWQXPEHURIWKHIL[LQJVFUHZV1  
‰ 7LJKWHQLQJWRUTXH1P
‰ 'RQRWUHSODFHWKHIL[LQJEROWV
‰ 6SDUHSDUWQXPEHURIWKHLQMHFWLRQSXPSJHDU
   % YLVLEOHIURPWKHRXVWLGH
)LJ  )LWWLQJSRVLWLRQRIWKHVHPLDXWRPDWLFWHQ
VLRQLQJSXOOH\
+ROGLQJFODZDUURZPXVWORFNLQWRWKHUHFHVVRQWKHUHDU
WLPLQJEHOWFRYHU

$

5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKH
WLPLQJEHOW
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK
‰ 5LJSLQIRUWKHLQMHFWLRQSXPS03 
‰ $GMXVWLQJVWUDLJKWHGJH03 
‰ 6XSSRUWLQJGHYLFH03 
‰ $GMXVWLQJGHYLFHIRU7'&03 
‰ &RXQWHUKROGHU03 RU7 
‰ 7ZRDUPH[WUDFWRU7
‰ :UHQFKIRUWHQVLRQLQJSXOOH\V HJ0DWUD 9 
7+D]HW  RU6WDKOZLOOH 

5HPRYLQJ
t 5HPRYHHQJLQHFRYHU7RGRVRSXOOWKHIURQWDQGUHDU
HQJLQHFRYHUXSZDUGVZLWKDVXGGHQPRWLRQ

cardiagn.com
t 5HPRYHWKH9ULEEHGEHOWÜ &KDSWHU
t 5HPRYHXSSHUWLPLQJEHOWFRYHUDQGF\OLQGHUKHDG 6
FRYHU
t 5HPRYHYDFXXPSXPSIRUEUDNHVHUYRXQLWÜ &KDS

(QJLQHLQVWDOOHGLQWKHYHKLFOH
$ 
t 3RVLWLRQFUDQNVKDIWRQ7'&F\OLQGHU
ˆ
7KHPDUNLQJRQWKHIO\ZKHHOPXVWEHIOXVKZLWKWKH
PDUNLQJRQWKHJHDUER[

+HUHRQHPXVWYLHZIURPWKHPDUNLQJRQWKHIO\ZKHHO
YHUWLFDOO\  WRWKHPLOOHGVXUIDFHRQWKHJHDUER[$ 

1RWH 
7KHYDOYHVRIF\OLQGHUPXVWEHFORVHGDQGWKHYDOYHVRI
F\OLQGHUPXVWRYHUODS
$ 6
:LWKWKHHQJLQHUHPRYHG
t 6FUHZWKHDGMXVWLQJGHYLFH03 LQWRWKH
WKUHDGHGKROHRIWKHWRSVWDUWHUVFUHZ %
t 6HWDGMXVWLQJGHYLFHWRPPDUURZ$7KHOHIW
QRWFKRQWKHYHUQLHULVWKHUHIHUHQFHSRLQW
R
t 5RWDWHFUDQNVKDIWXQWLOWKH7'&PDUNLQJRQWKHIO\
ZKHHOFRUUHVSRQGVZLWKWKHWLSRIWKHDGMXVWLQJGHYLFH
DUURZ%

1RWH $
7KHYDOYHVRIF\OLQGHUPXVWEHFORVHGDQGWKHYDOYHVRI
F\OLQGHUPXVWRYHUODS
03 6

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

&RQWLQXHG
t /RFNWKHFDPVKDIWZLWKWKHDGMXVWLQJVWUDLJKWHGJH
03  

1RWH
7KHYDOYHVRIF\OLQGHUPXVWEHFORVHGDQGWKHYDOYHVRI
F\OLQGHUPXVWRYHUODS

t &HQWUHDGMXVWLQJVWUDLJKWHGJHDVIROORZV
7XUQORFNHGFDPVKDIWLQVXFKDZD\WKDWRQHHQGRI
WKHDGMXVWLQJVWUDLJKWHGJHVWULNHVWKHF\OLQGHUKHDG
0HDVXUHWKHUHVXOWLQJSOD\DWWKHRWKHUHQGRIWKHDG
MXVWLQJVWUDLJKWHGJHZLWKDIHHOHUJDXJH
,QVHUWIHHOHUJDXJHZLWKKDOYHGSOD\GLPHQVLRQEH
WZHHQWKHDGMXVWLQJVWUDLJKWHGJHDQGWKHF\OLQGHU 03 6
KHDG1RZWXUQWKHFDPVKDIWLQVXFKDZD\WKDWWKH
DGMXVWLQJVWUDLJKWHGJHLVSRVLWLRQHGRQWKHIHHOHU
JDXJH
6OLGHLQWKHVHFRQGIHHOHUJDXJHZLWKWKHVDPHGLPHQ
VLRQDWWKHRWKHUHQGEHWZHHQWKHDGMXVWLQJVWUDLJKW
HGJHDQGWKHF\OLQGHUKHDG

cardiagn.com
t /RFNLQMHFWLRQSXPSJHDUZLWKORFNLQJSLQ03  

1RWH
,IWKHLQMHFWLRQSXPSJHDUFDQQRWEHFRUUHFWO\ORFNHGILUVW
VODFNHQWKHWRRWKHGEHOW 03
t 'HWHUPLQHYHUVLRQRIWKHLQMHFWLRQSXPSJHDU
Ü LWHP LQSDJH 

,QMHFWLRQSXPSJHDU$

t 5HOHDVHWKHIL[LQJEROWVRIWKHLQMHFWLRQSXPSJHDU
DQGORRVHO\VFUHZWKHQHZEROWVWRWKHKXE
,QMHFWLRQSXPSJHDU% 6
t /RRVHQIL[LQJEROWVRIWKHLQMHFWLRQSXPSJHDU
3URFHHGDVIROORZVIRUERWKLQMHFWLRQSXPSJHDUV

1RWH
7KHQXWIRUWKHKXEPXVWQHYHUEHORRVHQHG%DVLF
VHWWLQJXSRIWKHLQMHFWLRQSXPSFDQQRWEHXQGHUWDNHQXV
LQJQRUPDOZRUNVKRSWRROV 03
t ,QVWDOOVXSSRUWLQJGHYLFH03 DQGVXSSRUWHQ
JLQHLQILWWLQJSRVLWLRQ

6

5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 5HPRYHHQJLQHPRXQWLQJDUURZV$DQG%
t 5HPRYHWKHQRLVHLQVXODWLRQ $
t 8QVFUHZHQJLQHVXSSRUWEUDFNHWIURPF\OLQGHUEORFN
$
1RWH
$
7KHHQJLQHZLWKWKHVXSSRUWLQJGHYLFHPXVWEHVOLJKWO\
UDLVHGLQRUGHUWRUHPRYHWKHHQJLQHVXSSRUWEUDFNHW
7KHERWWRPEROWUHPDLQVLQWKHVXSSRUW

t 5HPRYHYLEUDWLRQGDPSHUEHOWSXOOH\
t 5HPRYHERWWRPDQGPLGGOHWLPLQJEHOWJXDUG
t 0DUNWKHURWDWLRQGLUHFWLRQRIWKHWLPLQJEHOW %
t 6ODFNHQWHQVLRQLQJSXOOH\ % 6
t 5HPRYLQJWLPLQJEHOW

,QVWDOOLQJ
t &KHFNZKHWKHUWKH7'&PDUNLQJRQWKHIO\ZKHHODQG
WKHUHIHUHQFHPDUNRQWKHJHDUER[FRUUHVSRQG

cardiagn.com
t /RRVHQWKHIL[LQJEROWRQWKHFDPVKDIWWLPLQJJHDUE\
WXUQ

1RWH
'RQRWXVHDGMXVWLQJVWUDLJKWHGJH03 DVDFRXQ
WHUKROGHU7RORRVHQDQGWLJKWHQWKHIL[LQJEROWVDOZD\V
FRXQWHUKROGWKHFDPVKDIWWLPLQJJHDUZLWKFRXQWHUKROGHU
03  RU7
$
t 3RVLWLRQWZRDUPH[WUDFWRU7ZLWKVLQJOHDUP
FODZ$DQGWKHWZRDUPFODZ%LQWKHFHQWUHRIWKH
FDPVKDIWWLPLQJJHDUDQGH[WUDFW 7
&RXQWHUKROGWKHWZRDUPH[WUDFWRUZLWKDQRSHQHQG
ZUHQFK&

t 3ODFHWRRWKHGEHOWRQWRRWKHGEHOWJHDUFUDQNVKDIW %
JXLGHSXOOH\LQMHFWLRQSXPSJHDUFRRODQWSXPSJHDU
DQGWHQVLRQLQJSXOOH\ SD\DWWHQWLRQWRUXQQLQJGLUHF
WLRQ 
& 0
t $OLJQWKHLQMHFWLRQSXPSJHDULQPLGGOHSRVLWLRQLQWKH
HORQJDWHGKROHV
t 3RVLWLRQWKHFDPVKDIWWLPLQJJHDUWRJHWKHUZLWKWKH
WRRWKHGEHOWDQGDWWDFKZLWKIL[LQJEROWV WKHFDPVKDIW
WLPLQJJHDUPXVWVWLOOEHDEOHWRURWDWH 
t 7LJKWHQWKHWRRWKHGEHOW7RWKLVHQGWXUQWKHQXW
ZUHQFKRQWKHHFFHQWULFFORFNZLVHXQWLOWKHQRWFKDQG
WKHOREHDUURZVDUHRSSRVLWHRQHDQRWKHU

1RWH
,IWKHHFFHQWULFKDVEHHQWXUQHGWRRIDUWKHWHQVLRQLQJ
SXOOH\PXVWEHIXOO\VODFNHQHGDQGWLJKWHQHGDJDLQ7KH
HFFHQWULFPXVWQRWMXVWEHWXUQHGEDFNVXIILFLHQWO\WRFRP
SHQVDWHIRUWKHH[FHHGHGGLPHQVLRQ

t 7LJKWHQWKHORFNLQJQXWRQWKHWHQVLRQLQJSXOOH\ $

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

7LJKWHQLQJWRUTXH1P

1RWH
3D\DWWHQWLRQWRFRUUHFWILWWLQJRIWKHWHQVLRQLQJSXOOH\LQ
WKHUHDUWLPLQJEHOWFRYHUDUURZ

t $JDLQFKHFNWKH7'&PDUNLQJRQWKHIO\ZKHHO
t 7LJKWHQWKHIL[LQJEROWIRUWKHFDPVKDIWWLPLQJJHDU
FRXQWHUKROGFDPVKDIWWLPLQJJHDUZLWKFRXQWHUKROGHU
03 RU7  
7LJKWHQLQJWRUTXH1P

$

9HUVLRQ$)L[LQJEROWVZLWKUHOLHIRQWKHWKUHDG
VWHPDQGWLSDUURZV

t 7LJKWHQWKHQHZIL[LQJEROWVRIWKHLQMHFWLRQSXPS
JHDU
$

cardiagn.com
7LJKWHQLQJWRUTXH1P

1RWH
‰ $IWHUDG\QDPLFWHVWRIWKHVWDUWRISXPSGHOLYHU\WLJKW
HQWKHIL[LQJEROWVDIXUWKHUWXUQ  
%
‰ 7KHIL[LQJEROWVPXVWEHXVHGRQFHRQO\DVWKH\DUH
DQWLIDWLJXHEROWV
9HUVLRQ%)L[LQJEROWVZLWKRXWUHOLHIRQWKHWKUHDG
1
VWHPDQGWLS

t 7LJKWHQWKHROGIL[LQJEROWVRIWKHLQMHFWLRQSXPSJHDU
7LJKWHQLQJWRUTXH1P

1RWH
'RQRWUHSODFHWKHIL[LQJEROWV
&RQWLQXHGIRUDOOYHUVLRQV

t 5HPRYHDGMXVWLQJVWUDLJKWHGJH03 IURPWKH
FDPVKDIW
t 3XOORXWWKHULJSLQ03 
t 7XUQFUDQNVKDIWWZRWXUQVIXUWKHULQWKHGLUHFWLRQRI
UXQQLQJRIWKHHQJLQHDQGDJDLQSRVLWLRQRQ7'&IRU
F\OLQGHU
t &KHFNZKHWKHU
WKH7'&PDUNLQJRQWKHIO\ZKHHO
WKHDGMXVWLQJVWUDLJKWHGJHLQWKHFDPVKDIW
WKHULJGULIWLQWKHLQMHFWLRQSXPSJHDU
WKHVHWWLQJRIWKHWHQVLRQLQJSXOOH\ QRWFKOREH ILW

t ,IWKHQRWFKDQGOREHDUHQRWRSSRVLWHRQHDQRWKHU
WLJKWHQWKHWHQVLRQLQJSXOOH\DQGWKHIL[LQJEROWWR
1P

5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 7XUQFUDQNVKDIWWZRWXUQVIXUWKHULQWKHGLUHFWLRQRI
UXQQLQJRIWKHHQJLQHXQWLOWKHFUDQNVKDIWLVDJDLQRQ
7'&IRUF\OLQGHU
t 5HSHDWLQVSHFWLRQ
t )LWHQJLQHVXSSRUWEUDFNHWRQWKHF\OLQGHUEORFN
7LJKWHQLQJWRUTXH1P

t ,QVWDOOHQJLQHPRXQWLQJDUURZV$ UHSODFHIL[LQJ
EROWV  $
7LJKWHQLQJWRUTXH1PWRUTXHDIXUWKHU  $
WXUQ

t 6FUHZHQJLQHPRXQWLQJRQWRHQJLQHVXSSRUWEUDFNHW $
DUURZV% UHSODFHIL[LQJEROWV 

7LJKWHQLQJWRUTXH1PWRUTXHDIXUWKHU 
WXUQ

t ,QVWDOOYDFXXPSXPS
t ,QVWDOOPLGGOHDQGERWWRPWLPLQJEHOWFRYHUYLEUDWLRQ %
GDPSHUEHOWSXOOH\DQGF\OLQGHUKHDGFRYHU % 6

cardiagn.com
t ,QVWDOOWKH9ULEEHGEHOWÜ &KDSWHU
t ,QVWDOOWKHQRLVHLQVXODWLRQ
t 3HUIRUPG\QDPLFWHVWRIWKHVWDUWRISXPSGHOLYHU\RI
WKHLQMHFWLRQSXPSÜ 6',(QJLQH)XHO,QMHF
WLRQ5HS *U 

1RWH
,IWKHVWDUWRISXPSGHOLYHU\GRHVQRWQHHGDGMXVWLQJ
WLJKWHQIL[LQJEROWVYHUVLRQ$Ü )LJ LQSDJH RI
WKHLQMHFWLRQSXPSJHDU WXUQ 

t ,QVWDOOWRSWLPLQJEHOWFRYHUDQGHQJLQHFRYHU

,QVSHFWLQJWKHVHPLDXWRPDWLFWLPLQJ
EHOWWHQVLRQLQJSXOOH\

7HVWFRQGLWLRQV
” 7RRWKHGEHOWILWWHGDQGWLJKWHQHG

7HVWVHTXHQFH
t /RDGWLPLQJEHOWE\ILUPO\SUHVVLQJGRZQZLWKWKXPE
7KHQRWFKDQGOREHDUURZVPXVWVKLIW

t 5HOLHYHWKHWRRWKHGEHOWDJDLQ
7KHWHQVLRQLQJSXOOH\PXVWUHWXUQWRLWVRULJLQDOSRVL
WLRQ QRWFKDQGOREHDUHDJDLQRSSRVLWHRQHDQRWKHU 

6

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HPRYLQJDQGLQVWDOOLQJWLJKWHQLQJWKHWLPLQJEHOW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO

1RWH
‰ 5HSDLULQJWKHFOXWFKÜ *HDUER[75HS *U 
‰ 6HFXUHWKHHQJLQHZLWKHQJLQHPRXQW03 DQGGLVWDQFHVOHHYHV7RQWKHDVVHPEO\VWDQGEHIRUH
SHUIRUPLQJDVVHPEO\ZRUN

  &\OLQGHUEORFN
q UHPRYLQJDQGLQVWDOOLQJ
FUDQNVKDIWÜ &KDSWHU 
q GLVDVVHPEOLQJDQGDVVHP
EOLQJSLVWRQVDQGFRQURG
Ü &KDSWHU 
  1PWRUTXHDIXUWKHU
WXUQ 
q UHSODFH
  )O\ZKHHO
q DVVHPEO\RQO\SRVVLEOHLQ
RQHSRVLWLRQKROHVRIIVHW
q IRUUHPRYLQJDQGLQVWDOOLQJ

cardiagn.com
WKHIO\ZKHHOORFNZLWKWKHGH
YLFH03  Ü )LJ LQ
SDJH  
  ,QWHUPHGLDWHSODWH
q PXVWEHSRVLWLRQHGRQGRZHO
VOHHYHV
q GRQRWGDPDJHEHQGGXULQJ 
DVVHPEO\ZRUN
q LQVHUWHGRQVHDOLQJIODQJH
Ü )LJ LQSDJH 
  1P
  6HDOLQJIODQJHZLWK37)(JDV
NHWULQJ 
q UHPRYHWRUHPRYHDQGLQVWDOO
RLOSDQÜ &KDSWHU
q PXVWEHUHSODFHGFRPSOHWHO\
q RQO\LQVWDOOVHDOLQJIODQJH
ZLWK37)(JDVNHWULQJ SD\
  
DWWHQWLRQWRGLIIHUHQWYHUVLRQV 6
Ü )LJ LQSDJH 
q LQVWDOOJDVNHWULQJGU\WKHFUDQNVKDIWVWXEPXVWEHIUHHRIRLODQGJUHDVH
q ILWQHZVHDOLQJIODQJHZLWKJXLGHEXVKLQJ GRQRWSXOOJXLGHEXVKLQJRXWRIJDVNHWULQJEHIRUHILWWLQJ
  37)(JDVNHWULQJ
q UHSODFHÜ SDJH 
q RQO\LQVWDOO37)(JDVNHWULQJ SD\DWWHQWLRQWRGLIIHUHQWYHUVLRQVÜ )LJ LQSDJH 
  )URQWVHDOLQJIODQJH
q PXVWEHSRVLWLRQHGRQGRZHOVOHHYHV
q UHPRYLQJDQGLQVWDOOLQJÜ SDJH 

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

)LJ  *DVNHWULQJYHUVLRQV
, ,,
, (ODVWRPHUJDVNHWULQJ
VHDOLQJOLSZLWKJDUWHUVSULQJ
,, 37)(JDVNHWULQJ
PXOWLSOHVHDOLQJOLSVZLWKRXWJDUWHUVSULQJ
 

1RWH
'RQRPRLVWHQWKHJDVNHWULQJZLWKRLOEHIRUHLQVHUWLQJ
7KHVKDIWPXVWDOVREHIUHHIURPRLODQGJUHDVH

6

)LJ  /RFNWKHIO\ZKHHO
03
t 3RVLWLRQ03 RQWKHULQJJHDUDQGWXUQWKH
FUDQNVKDIWXQWLOLWUHVWVDJDLQVWGLVWDQFHVOHHYH
 7

cardiagn.com
7
7
03
6

)LJ  ,QVWDOOLQJLQWHUPHGLDWHSODWH

t ,QVHUWLQWHUPHGLDWHSODWHRQVHDOLQJIODQJHDQGSXVK
RQWRWKHGRZHOVOHHYHVDUURZV

5HSODFLQJJDVNHWULQJIRUFUDQNVKDIWRQ
WKHEHOWSXOOH\VLGH

5HPRYLQJ

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK
‰ *DVNHWULQJH[WUDFWRU03  $
‰ 3UHVVXUHEXVKLQJ7
‰ *XLGHEXVKLQJ7
‰ %ROW 0[[ 7
‰ 3UHVVXUHSDG7

t 5HPRYLQJWKHULJKWZKHHOZHOOLQQHUSDQHOÜ %RG\
:RUN5HS *U 
t 5HPRYHWKH9ULEEHGEHOWÜ &KDSWHU
t 5HPRYHWKHWLPLQJEHOWÜ &KDSWHU

5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 5HPRYHFUDQNVKDIWWLPLQJEHOWVSURFNHW7RWKLVHQG
ORFNWKHWRRWKHGEHOWJHDUZLWKFRXQWHUKROGHU
7 7
1RWH
:KHQVFUHZLQJRQWKHFRXQWHUKROGHUSODFHZDVKHUVEH
WZHHQWKHWLPLQJEHOWJHDUDQGWKHFRXQWHUKROGHU

6

t 6FUHZLQWKHFHQWUDOVFUHZE\KDQGLQWKHFUDQNVKDIW
XSWRWKHVWRS
t 8QVFUHZLQQHUSDUWRIWKHJDVNHWULQJH[WUDFWRU
03  QLQHWXUQV DSSUR[PP RXWRIWKHRXW
HUSDUWDQGORFNZLWKNQXUOHGVFUHZ

cardiagn.com
$

t 2LOWKHWKUHDGKHDGRIWKHJDVNHWULQJH[WUDFWRU
03  SRVLWLRQDQGIRUFHIXOO\VFUHZLWLQWRWKH
JDVNHWULQJDVIDUDVSRVVLEOH
t 5HOHDVHNQXUOHGVFUHZDQGWXUQWKHLQQHUVLGHDJDLQVW
WKHFUDQNVKDIWXQWLOWKHJDVNHWULQJLVSXOOHGRXW

,QVWDOOLQJ

1RWH
‰ 2QO\ILW37)(JDVNHWULQJV'RQRWILWHODVWRPHUJDVNHW
ULQJVZLWKDJDUWHUVSULQJ
‰ 7KHVHDOLQJOLSVRIWKH37)(JDVNHWULQJPXVWQHLWKHU
EHRLOHGQRUJUHDVHG
6
03

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 5HPRYHRLOUHVLGXHRQWKHFUDQNVKDIWVWXEZLWKD
FOHDQFORWK
t ,QVHUWJXLGHEXVKLQJ7RQWKHFUDQNVKDIW
VWXE
t 6OLGHJDVNHWULQJRYHUWKHJXLGHEXVKLQJRQWRWKH
FUDQNVKDIWVWXE

7 6

t 3XVKLQJDVNHWULQJZLWKEROW 0[[ 7


 DQGSUHVVXUHEXVKLQJ7XSWRWKHVWRS

cardiagn.com
7

7 6

t ,QVWDOOWRRWKHGEHOWJHDUFUDQNVKDIWDQGORFNZLWK
FRXQWHUKROGHU7
7
1RWH
‰ :KHQVFUHZLQJRQWKHFRXQWHUKROGHUSODFHZDVKHUV
EHWZHHQWKHWLPLQJEHOWJHDUDQGWKHFRXQWHUKROGHU
‰ 5HSODFHFHQWUDOVFUHZIRUWRRWKHGEHOWJHDUFUDQN
VKDIW

t 7LJKWHQQHZFHQWUDOVFUHZIRUWRRWKHGEHOWJHDU
FUDQNVKDIWWR1PDQGWXUQDIXUWKHU WXUQ 
t ,QVWDOOWKHWLPLQJEHOWÜ &KDSWHU
t ,QVWDOOWKH9ULEEHGEHOWÜ &KDSWHU
6

5HPRYLQJDQGLQVWDOOLQJWKHIURQWVHDO
LQJIODQJH
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK
‰ *XLGHEXVKLQJ7
‰ 3UHVVXUHSDG7

5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
‰ +DQGKHOGSRZHUGULOOZLWKSODVWLFEUXVKLQVHUW
‰ )ODWVFUDSHU
‰ 6LOLFRQHVHDODQW'   $

5HPRYLQJ
t 5HPRYLQJWKHULJKWZKHHOZHOOLQQHUSDQHOÜ %RG\
ZRUN5HS *U 
t 5HPRYHWKH9ULEEHGEHOWÜ &KDSWHU 7
t 5HPRYHWKHWLPLQJEHOWÜ &KDSWHU
t 5HPRYHFUDQNVKDIWWLPLQJEHOWVSURFNHW7RWKLVHQG
ORFNWKHWRRWKHGEHOWJHDUZLWKFRXQWHUKROGHU
7

1RWH
:KHQVFUHZLQJRQWKHFRXQWHUKROGHUSODFHZDVKHUVEH
WZHHQWKHWLPLQJEHOWJHDUDQGWKHFRXQWHUKROGHU

t 5HPRYLQJRLOSDQÜ &KDSWHU
6
t 8QVFUHZIURQWVHDOLQJIODQJH

cardiagn.com
t 5HPRYHVHDOLQJIODQJHLIQHFHVVDU\UHOHDVHE\DSSO\
LQJVOLJKWEORZVZLWKDUXEEHUKHDGHGKDPPHU
t 8VHDIODWVFUDSHUWRUHPRYHVHDODQWUHVLGXHVRQWKH
F\OLQGHUEORFN
t 8VHDURWDWLQJSODVWLFEUXVKWRUHPRYHVHDODQWUHVL
GXHVRQWKHVHDOLQJIODQJH ZHDUSURWHFWLYHJRJJOHV 
t &OHDQVHDOLQJVXUIDFHVWKH\PXVWEHIUHHRIRLODQG
JUHDVH

,QVWDOOLQJ

1RWH
‰ 3D\DWWHQWLRQWRWKH
XVHE\GDWH
RQVHDODQW
‰ 7KHVHDOLQJIODQJHPXVWEHLQVWDOOHGZLWKLQPLQXWHV
DIWHUDSSO\LQJWKHVLOLFRQHVHDODQW

t &XWRIIQR]]OHWXEHRIWKHVLOLFRQHVHDODQW
'   $ DWWKHIURQWPDUNLQJ ºRIQR]]OHDS
SUR[PP 

1

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t $SSO\VLOLFRQHVHDODQWEHDGWRWKHFOHDQVHDOLQJVXU
IDFHRIWKHVHDOLQJIODQJHDVVKRZQLQWKHLOOXVWUDWLRQ
7KLFNQHVVRIVHDODQWEHDGDUURZWRPP

1RWH
7KHVHDODQWEHDGPXVWQRWEHWKLFNHUWKDQPPRWKHU
ZLVHH[FHVVVHDODQWPD\JHWLQWRWKHRLOSDQDQGFORJJ
WKHVWUDLQHULQWKHRLOVXFWLRQSLSH

t )LWVHDOLQJIODQJHLPPHGLDWHO\DQGOLJKWO\WLJKWHQDOO
EROWV

$
1RWH
:KHQLQVWDOOLQJWKHVHDOLQJIODQJHZLWKWKHJDVNHWULQJILW
WHGXVHJXLGHVOHHYH7

t 7LJKWHQWKHIL[LQJVFUHZVRIWKHVHDOLQJIODQJHFURVV
ZLVH

cardiagn.com
7LJKWHQLQJWRUTXH1P

t ,QVWDOOLQJRLOSDQÜ &KDSWHU

1RWH
$IWHULQVWDOOLQJDOORZWKHVHDODQWWRGU\IRUDERXWPLQ
XWHV2QO\WKHQPD\HQJLQHRLOEHILOOHGLQ

t ,QVWDOOWKHWLPLQJEHOWÜ &KDSWHU
7 6
t ,QVWDOOWKH9ULEEHGEHOWÜ &KDSWHU

5HPRYLQJDQGLQVWDOOLQJVHDOLQJIODQJHDQGIO\ZKHHO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 &UDQNVKDIW3LVWRQDQG&RQURG
5HPRYLQJDQGLQVWDOOLQJFUDQNVKDIW
  %HDULQJVKHOOVDQG 
    
q IRUEHDULQJFDSZLWKRXWOXEUL
FDWLQJJURRYH
q IRUF\OLQGHUEORFNZLWKOXEUL
FDWLQJJURRYH 

q GRQRWPL[XSXVHGEHDULQJ 

VKHOOV PDUN 
  1PWRUTXHDIXUWKHU
WXUQ 
q UHSODFH
q WLJKWHQWKUHDG
  %HDULQJFDSV
q EHDULQJFDSRQWKHEHOW
SXOOH\VLGH
q EHDULQJFDSZLWKUHFHVVHV
IRUWKUXVWZDVKHUV 


cardiagn.com
q UHWDLQLQJOXJVRIWKHEHDULQJ
VKHOOVRIWKHF\OLQGHUEORFN 
EHDULQJFDSPXVWEHRQWRS 
RIRQHDQRWKHU
  %HDULQJVKHOO 
q IRUEHDULQJFDSZLWKRXWOXEUL 
FDWLQJJURRYH
q IRUF\OLQGHUEORFNZLWKOXEUL
FDWLQJJURRYH
  7KUXVWZDVKHUV
q IRUEHDULQJVKHOO
q SD\DWWHQWLRQWRWKHPDUNLQJ
  5RWRU
q IRUHQJLQHVSHHGVHQGHU
* 1
q UHSODFHLIGDPDJHG
  1PWRUTXHDIXUWKHUWXUQ 
q UHSODFH
  )LWSLQ
q FKHFNLWVSURMHFWLRQRXWRIWKHFUDQNVKDIWÜ )LJ LQSDJH 
  &UDQNVKDIW
q D[LDOSOD\ZKHQQHZWRPP
ZHDUOLPLWPP
q &UDQNVKDIWEHDULQJMRXUQDOºPP
q &RQURGEHDULQJMRXUQDOºPP
  7KUXVWZDVKHUV
q IRUF\OLQGHUEORFNEHDULQJ

(GLWLRQ &UDQNVKDIW3LVWRQDQG&RQURG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

)LJ  &KHFNLQJSURMHFWLRQRIILWSLQIURPFUDQN
VKDIW
  D
3URMHFWLRQRIILWSLQIURPFUDQNVKDIW
D PP

  6

'LVDVVHPEOLQJDQGDVVHPEOLQJSLVWRQDQGFRQURG

1RWH

cardiagn.com
‰ 7KHIROORZLQJFRQURGYHUVLRQVDUHILWWHG
‰ &RQURGVZLWKILWSLQÜ LWHP XVHKHUHFRQURGEROWVZLWKRXWFHQWHULQJ
‰ &RQURGVZLWKRXWILWSLQXVHKHUHFRQURGEROWVZLWKFHQWHULQJ

  3LVWRQULQJV
q RIIVHWMRLQW 
q XVHSLVWRQULQJSOLHUVIRUUH
PRYLQJDQGLQVWDOOLQJ
q PDUNLQJd723qIDFHVXS
q LQVSHFWJDSFOHDUDQFH 
Ü )LJ LQSDJH 
q LQVSHFWHQGFOHDUDQFH 
Ü )LJ LQSDJH 
  3LVWRQ 
q ZLWKFRPEXVWLRQFKDPEHU
q PDUNLQVWDOODWLRQSRVLWLRQDQG
PDWFKLQJF\OLQGHU
q LQVWDOODWLRQSRVLWLRQDQGDV 
VLJQPHQWRISLVWRQF\OLQGHU
Ü )LJ LQSDJH 
q DUURZRQSLVWRQFURZQIDFHV
WRZDUGVWKHEHOWSXOOH\VLGH  % $
q XVHSLVWRQULQJWHQVLRQLQJ
VWUDSIRULQVWDOOLQJ 
q UHSODFHSLVWRQLIWKHUHLVDQ\
VLJQRIFUDFNIRUPDWLRQRQ 
WKHSLVWRQERG\
q FKHFNSLVWRQSRVLWLRQLQ7'&

Ü SDJH 
q º3LVWRQVPP 
  3LVWRQSLQ 
q LIVWLIIKHDWSLVWRQWR&
q XVHGULIW9: $IRUUH 
PRYLQJDQGLQVWDOOLQJ
  &LUFOLS 
1

&UDQNVKDIW3LVWRQDQG&RQURG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
  &RQURG
q SD\DWWHQWLRQWRGLIIHUHQWYHUVLRQ
q UHSODFHDVDVHWRQO\
q PDUNDVVLJQPHQWWRF\OLQGHUUHIHUWR$
q )LWWLQJSRVLWLRQ0DUNLQJV%PXVWEHSRVLWLRQHGRQHDERYHWKHRWKHUDQGSRLQWWRZDUGVWKHEHOWSXOOH\VLGH
  )LWSLQ
q WKHILWSLQVPXVWILWWLJKWO\LQWKHFRQURGQRWLQWKHFDS
  %HDULQJVKHOO
q FKHFNILWWLQJSRVLWLRQ
q GRQRWPL[XSXVHGEHDULQJVKHOOV PDUN
q HQVXUHWLJKWO\ORFDWHGLQUHWDLQLQJOXJV
q D[LDOFOHDUDQFH
ZHDUOLPLWPP
  &\OLQGHUEORFN
q LQVSHFWF\OLQGHUERUHÜ )LJ LQSDJH 
q º&\OLQGHUPP
  &RQURGFDS
q FKHFNILWWLQJSRVLWLRQ
  2LOLQMHFWLRQQR]]OH
q IRUSLVWRQFRROLQJ

cardiagn.com
  1P
q UHSODFHZLWKRXWVHDODQW
  &RQURGEROW1PWRUTXHDIXUWKHUWXUQ 
q UHSODFH
q RLOWKUHDGDQGKHDGFRQWDFWVXUIDFH

)LJ  ,QVSHFWLQJSLVWRQULQJJDSFOHDUDQFH

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ )HHOHUJDXJH

7HVWVHTXHQFH

t 3XVKLQULQJDWULJKWDQJOHVWRWKHF\OLQGHUZDOOIURPWKH
WRSWKURXJKWRWKHERWWRPF\OLQGHURSHQLQJDERXW
PPIURPWKHF\OLQGHUHGJH7RLQVHUWXVHSLVWRQZLWK
RXWULQJV

3LVWRQULQJ QHZ :HDUOLPLW


PP PP
&RPSUHVVLRQULQJ WR 
&RPSUHVVLRQULQJ WR 
2LOVFUDSHUULQJ WR 

(GLWLRQ &UDQNVKDIW3LVWRQDQG&RQURG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

)LJ  ,QVSHFWSLVWRQULQJHQGFOHDUDQFH

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ )HHOHUJDXJH

t &OHDQULQJJURRYHEHIRUHLQVSHFWLQJ

3LVWRQULQJ QHZ :HDUOLPLW


PP PP
&RPSUHVVLRQULQJ WR 
&RPSUHVVLRQULQJ WR 
2LOVFUDSHUULQJ WR 
9

)LJ  ,QVSHFWLQJF\OLQGHUERUH

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ ,QWHUQDOSUHFLVLRQPHDVXULQJLQVWUXPHQWWRPP

cardiagn.com
7HVWVHTXHQFH

t 0HDVXUHDWSRLQWVFURVVZLVHLQDWUDQVYHUVHGLUHF
WLRQ$DQGOHQJWKZLVH%
'HYLDWLRQVIURPVSHFLILHGGLPHQVLRQPD[PP

1RWH
'RQRWPHDVXUHWKHF\OLQGHUERUHLIWKHF\OLQGHUEORFNLV
IL[HGWRWKHDVVHPEO\VWDQGZLWKWKHHQJLQHPRXQW
03  DVWKLVPD\UHVXOWLQLQFRUUHFWPHDVXUH
PHQWV

)LJ  3LVWRQILWWLQJSRVLWLRQDQGDVVLJQPHQWRI
WKHSLVWRQF\OLQGHU

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ HJHOHFWULFVW\OXV

3URFHGXUH 
 
 
 

t 0DUNLQVWDOODWLRQSRVLWLRQDQGDVVLJQPHQWRQLQVLGHRI
SLVWRQ QRWRQSLVWRQFURZQ HJZLWKDQHOHFWULFVW\
OXV
3LVWRQVLQF\OLQGHUVDQG
/DUJHSLVWRQUHOLHIIRULQOHWYDOYHWRIO\ZKHHOVLGHDUURZV
3LVWRQVLQF\OLQGHUVDQG

&UDQNVKDIW3LVWRQDQG&RQURG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
/DUJHSLVWRQUHOLHIIRULQOHWYDOYHWREHOWSXOOH\VLGHDU
URZV

1RWH
‰ )RUQHZSLVWRQVWKHF\OLQGHUDVVLJQPHQWLVFRORXU
FRGHGRQWKHSLVWRQFURZQ
‰ 3LVWRQIRUF\OLQGHUVDQG,GHQWLILFDWLRQ
‰ 3LVWRQIRUF\OLQGHUVDQG,GHQWLILFDWLRQ

&KHFNLQJSLVWRQSURMHFWLRQLQ7'&
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 0HDVXULQJWRROIRUSLVWRQSURMHFWLRQ03 

3URFHGXUH
t :KHQLQVWDOOLQJQHZSLVWRQVRUDVKRUWHQJLQHLQVSHFW
WKHSLVWRQSURMHFWLRQDW7'&'HSHQGLQJRQWKHSLVWRQ
SURMHFWLRQILWWKHUHOHYDQWF\OLQGHUKHDGVHDOLQDFFRUG

cardiagn.com
DQFHZLWKWKHWDEOHEHORZ

3LVWRQSURMHFWLRQRYHUF\OLQ 0DUNLQJRIERUH
GHUEORFNWRSVLGH
PPWRPP 
PPWRPP 
PPWRPP 

,GHQWLILFDWLRQRIWKHF\OLQGHUKHDGVHDO
‰ 6SDUHSDUWV1R DUURZ
‰ &RQWUROFRGH DUURZ LJQRUH
‰ %RUHV DUURZ 

1RWH
,IGLIIHUHQWYDOXHVDUHPHDVXUHGGXULQJWKHSLVWRQSURMHF
WLRQPHDVXUHPHQWWKHJUHDWHVWGLPHQVLRQDSSOLHVIRUWKH
VHDODVVLJQPHQW

(GLWLRQ &UDQNVKDIW3LVWRQDQG&RQURG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

&UDQNVKDIW3LVWRQDQG&RQURG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± &\OLQGHU+HDG9DOYH*HDU

 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG

6XPPDU\RIFRPSRQHQWV
5HPRYLQJDQGLQVWDOOLQJWRRWKHGEHOWÜ &KDS
7HVWLQJFRPSUHVVLRQSUHVVXUHÜ SDJH 

1RWH
‰ :KHQLQVWDOOLQJDUHSODFHPHQWF\OLQGHUKHDGZLWKILWWHGFUDQNVKDIWPRLVWHQWKHFRQWDFWVXUIDFHVEHWZHHQWKHEXFN
HWWDSSHWDQGWKHFDPVOLGHZLWKHQJLQHRLO
‰ )DFWRU\ILWWHGSODVWLFZDVKHUVLQWHQGHGWRSURWHFWWKHRSHQYDOYHVPXVWRQO\EHUHPRYHGVKRUWO\EHIRUHLQVHUWLQJ
WKHF\OLQGHUKHDG
‰ ,IWKHF\OLQGHUKHDGLVUHSODFHGWKHV\VWHPPXVWEHFRPSOHWHO\ILOOHGZLWKIUHVKFRRODQW
‰ 5HZRUNLQJRIF\OLQGHUKHDGVRQGLHVHOHQJLQHVLVQRWDOORZHG

  &\OLQGHUKHDGJDVNHW

cardiagn.com
q UHSODFH    
q 3D\DWWHQWLRQWRPDUNLQJ
Ü )LJ LQSDJH 
  1P
  &\OLQGHUKHDG
q FKHFNIRUGLVWRUWLRQÜ )LJ   
LQSDJH 
q 5HPRYLQJDQGLQVWDOOLQJF\O 
LQGHUKHDGÜ SDJH 
q UHQHZFRRODQWDIWHUUHSODFLQJ

WKHF\OLQGHUKHDG
  /LIWLQJH\H
  %DOONQREVFUHZ1P   
q IRUHQJLQHFRYHU
 
  &\OLQGHUKHDGEROW
q UHSODFH 
q 6HTXHQFHIRUORRVHQLQJDQG
WLJKWHQLQJWKHVFUHZV  
Ü SDJH 
  2LOGHIOHFWRU
  &\OLQGHUKHDGFRYHU 
q ZLWKYXOFDQLVHGVHDO
q LIWKHVHDOKDVEHHQGDP
DJHGUHSODFHF\OLQGHUKHDG

FRYHU 

  6HDOLQJFXS
q UHSODFHLIGDPDJHG

  (QGFRYHU

q UHSODFHVHDOLIGDPDJHG
6
  9HQWLODWLRQWXEH
q WRLQWDNHPDQLIROG
  +RVHFODPS
  3UHVVXUHFRQWUROYDOYH
q WRFUDQNFDVHYHQWLODWLRQ

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

  *DVNHW
q UHSODFHLIGDPDJHG
  1P
  ,QMHFWLRQOLQHV
q WLJKWHQLQJ1P
q XQVFUHZZLWKULQJVSDQQHU
q DOZD\VUHSODFHDVDVHW
q GRQRWFKDQJHEHQGLQJVKDSH
  %UDFNHW
  1P
  9DFXXPSXPS
q IRUEUDNHVHUYRXQLW
  1P
  *DVNHW
q UHSODFH

)LJ  ,QVSHFWLQJF\OLQGHUKHDGIRUGLVWRUWLRQ

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG

cardiagn.com
DX[LOLDU\LWHPVUHTXLUHG
‰ )HHOHUJDXJH
‰ .QLIHHGJHVWUDLJKWHGJH

0D[SHUPLVVLEOHGLVWRUWLRQPP

1RWH
5HZRUNLQJRIF\OLQGHUKHDGVRQGLHVHOHQJLQHVLVQRWDO
ORZHG

9

)LJ  &\OLQGHUKHDGVHDOLGHQWLILFDWLRQ
‰ 6SDUHSDUW1R DUURZ
‰ &RQWUROFRGH DUURZ GLVUHJDUG
‰ 2ULILFHV DUURZ

1RWH
&\OLQGHUKHDGVHDOVRIGLIIHUHQWWKLFNQHVVHVDUHILWWHGGH
SHQGLQJRQWKHSLVWRQSURMHFWLRQIURPWKHF\OLQGHUEORFN
,IRQO\WKHVHDOLVUHSODFHGWKHQHZVHDOPXVWEHDUWKH
VDPHLGHQWLILFDWLRQ

5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ &DWFKSDQ HJ9$*  
‰ /LIWLQJGHYLFH03 
‰ %UDFNHW7
‰ 7ZRDUPH[WUDFWRU7
‰ &RXQWHUKROGHU7RU03 

5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
‰ $GMXVWLQJVWUDLJKWHGJH03 
‰ 3OLHUVIRUVSULQJVWUDSFOLSV
‰ 5LQJVSDQQHUIRULQMHFWLRQOLQHV
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ 7RUTXHZUHQFK1P HJ9$*

5HPRYLQJ
t 2QPRGHOVILWWHGZLWKDFRGHGUDGLRVHWSD\DWWHQWLRQ
WRWKHFRGLQJGHWHUPLQHLIQHFHVVDU\
t 'LVFRQQHFWWKHHDUWKVWUDSIURPWKHEDWWHU\ZLWKWKHLJ
QLWLRQRII
t 5HPRYHQRLVHLQVXODWLRQDUURZV
t 5HPRYHIURQWH[KDXVWSLSHZLWKFDWDO\VWÜ &KDS 6

t 'UDLQFRRODQWÜ &KDS
t 5HPRYHHQJLQHFRYHU
7RGRVRSXOOWKHIURQWDQGUHDUHQJLQHFRYHUXSZDUGV
ZLWKDVXGGHQPRWLRQDUURZV

cardiagn.com
t 5HPRYHLQMHFWLRQOLQHV

1RWH
$OZD\VUHSODFHLQMHFWLRQOLQHVDVDVHW8VHDVSHFLDO
VSDQQHUIRULQMHFWLRQOLQHV

t 3XOORIIUHWXUQIORZOLQHVIURPLQMHFWLRQQR]]OHVLQMHF
WLRQSXPS
t 6HSDUDWHWKHSOXJFRQQHFWLRQRIWKHQHHGOHVWURNH 6
VHQGHUFDEOHDQGUHPRYHSOXJIURPKROGHU
t 5HPRYHJORZSOXJHGJHFRQQHFWRU
t 'LVFRQQHFWSOXJIRULQWDNHPDQLIROGIODS  
t 5HPRYHLQWDNHKRVH  
t 3XOORIISUHVVXUHFRQWUROYDOYHZLWKFRQQHFWHGYHQ
WLODWLRQWXEH
t 5HOHDVHVFUHZV
t 'LVFRQQHFWFRRODQWKRVHIURPWKHWRSFRRODQWSLSH

t 'LVFRQQHFWYDFXXPKRVHRQWKHPHFKDQLFDOH[
KDXVWJDVUHFLUFXODWLRQYDOYH  

6

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 8QVFUHZFRRODQWFRQQHFWLRQILWWLQJVZLWKWKHKRVHV
FRQQHFWHGDUURZV
t 6HSDUDWHFRRODQWKRVHIURPWKHF\OLQGHUKHDGRQ
WKHGLVWULEXWRUSDUW 
t 5HOHDVHWKHWRSVFUHZVIURPUHDUWRRWKHGEHOW
VKLHOG
t 5HPRYHWRSWRRWKHGEHOWVKLHOG
t 5HPRYHF\OLQGHUKHDGFRYHUDQGRLOGHIOHFWRU
t 5HPRYHYDFXXPSXPS


6

t ,QVWDOOVXSSRUWLQJGHYLFH03   $ DQG


$
VXSSRUWWKHHQJLQHDVVKRZQZLWKVSLQGOH%LQILW %
WLQJSRVLWLRQ

1RWH

cardiagn.com
%RWKOLIWLQJH\HVDUHORFDWHGRQWKHF\OLQGHUKHDGWKLVLV
ZK\DQDGGLWLRQDOKROGHUPXVWEHILWWHGRQWKHF\OLQGHU $
EORFNWRVXSSRUWWKHHQJLQH

t 3XWFUDQNVKDIWRQ7'&F\OORFNLQMHFWLRQSXPSJHDU
VFUHZWKHSXPSJHDUORRVHO\WRWKHKXEZLWKQHZ
VFUHZV UHPRYLQJHQJLQHPRXQWLQJDQGHQJLQHVXS
SRUWEUDFNHWÜ &KDS
t 5HPRYHWRRWKHGEHOWIURPWKHFDPVKDIWWLPLQJJHDU
DQGLQMHFWLRQSXPSJHDU 0

1RWH
‰ 9LEUDWLRQGDPSHUEHOWSXOOH\DQGPLGGOHDQGERWWRP
WRRWKHGEHOWVKLHOGPD\UHPDLQILWWHG
‰ 7KHWRRWKHGEHOWUHPDLQVRQWKHWRRWKHGEHOWJHDU
FUDQNVKDIW

t 7XUQFUDQNVKDIWVOLJKWO\EDFN
t /RFNWKHFDPVKDIWZLWKWKHDGMXVWLQJVWUDLJKWHGJH
03 

1RWH
7KHYDOYHVRIF\OLQGHUPXVWEHFORVHGDQGWKHYDOYHVRI
F\OLQGHUPXVWRYHUODS

t &HQWUHDGMXVWLQJVWUDLJKWHGJHDVIROORZV
7XUQORFNHGFDPVKDIWLQVXFKDZD\WKDWRQHHQGRI
WKHDGMXVWLQJVWUDLJKWHGJHVWULNHVWKHF\OLQGHUKHDG
0HDVXUHWKHUHVXOWLQJSOD\DWWKHRWKHUHQGRIWKHDG
MXVWLQJVWUDLJKWHGJHZLWKDIHHOHUJDXJH
,QVHUWIHHOHUJDXJHZLWKKDOYHGSOD\GLPHQVLRQEH
WZHHQWKHDGMXVWLQJVWUDLJKWHGJHDQGWKHF\OLQGHU 03 6
KHDG1RZWXUQWKHFDPVKDIWLQVXFKDZD\WKDWWKH
DGMXVWLQJVWUDLJKWHGJHLVSRVLWLRQHGRQWKHIHHOHU
JDXJH
,QVHUWWKHVHFRQGIHHOHUJDXJHZLWKWKHVDPHGLPHQ

5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
VLRQDWWKHRWKHUHQGEHWZHHQWKHDGMXVWLQJVWUDLJKW
HGJHDQGWKHF\OLQGHUKHDG

t /RRVHQWKHIL[LQJEROWRQWKHFDPVKDIWWLPLQJJHDU
WXUQ:KLOHGRLQJVRFRXQWHUKROGWKHFDPVKDIWWLPLQJ
JHDUZLWKFRXQWHUKROGHU7RU03 
$
t 3RVLWLRQWZRDUPH[WUDFWRU7ZLWKVLQJOHDUP
FODZ$DQGWKHWZRDUPFODZ%LQWKHFHQWUHRIWKH 7
FDPVKDIWWLPLQJJHDUDQGH[WUDFWFDPVKDIWWLPLQJ
JHDU
&RXQWHUKROGWKHH[WUDFWRUZLWKDQRSHQHQGZUHQFK %
&

& 0

t $VVKRZQVFUHZLQWKHEUDFNHW7LQWKHIURQW
$
WKUHDGHGERUHRIWKHUHPRYHGHQJLQHVXSSRUWEUDFNHW %
FORVHWRWKHWRSRIWKHFRRODQWSXPSLQWKHF\OLQGHU
EORFN
t 5DLVHWKHHQJLQHVOLJKWO\ZLWKWKHVHFRQGVSLQGOH$

cardiagn.com
XQWLOVSLQGOH%LVUHOLHYHG
t 3XVKVSLQGOH%DVLGH $
t 5HPRYHWHQVLRQLQJSXOOH\

7 0

t 5HOHDVHWKHF\OLQGHUKHDGEROWVLQWKHJLYHQVHTXHQFH
DQGUHPRYH
t &DUHIXOO\UHPRYHWKHF\OLQGHUKHDGDQGGUDZRXWWKH
WHQVLRQLQJSXOOH\SLQVFUHZIURPWKHWRRWKHGEHOW
VKLHOG

,QVWDOOLQJ

1RWH
‰ $OZD\VUHSODFHWKHF\OLQGHUKHDGEROWV
‰ 7KHUHPXVWEHQRRLORUFRRODQWLQWKHEOLQGKROHVRIWKH
F\OLQGHUKHDGEROWVLQWKHF\OLQGHUEORFN
‰ 5HPRYHWKHQHZF\OLQGHUKHDGVHDOIURPLWVZUDSSLQJ
LPPHGLDWHO\EHIRUHILWWLQJ
‰ ,QWKHHYHQWRIUHSDLUVFDUHIXOO\UHPRYHUHVLGXDOVHDO
DQWIURPWKHF\OLQGHUKHDGDQGF\OLQGHUEORFN0DNH
VXUHWKLVGRHVQRWFDXVHDQ\H[WHQGHGVFRULQJRU
VFUDWFKLQJ:KHQXVLQJHPHU\SDSHUWKHJUDLQPXVW
QRWEHOHVVWKDQ
‰ &DUHIXOO\UHPRYHOXEULFDWLRQDQGJULQGLQJUHVLGXHV
‰ 7UHDWWKHQHZVHDOZLWKWKHXWPRVWFDUH$Q\GDPDJH
ZLOOUHVXOWLQOHDNV

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t %HIRUHILWWLQJWKHF\OLQGHUKHDGSRVLWLRQWKHFUDQNVKDIW
RQ7'&PDUNLQJ
t 7XUQFUDQNVKDIWEDFNDJDLQVWWKHUXQQLQJGLUHFWLRQRI
WKHHQJLQHXQWLODOOSLVWRQVDUHDOPRVWHYHQO\DW7'&
t &KHFNZKHWKHUWKHGRZHOVOHHYHVWKDWJXLGHWKH
F\OLQGHUKHDGDUHORFDWHGLQWKHF\OLQGHUEORFNLIQHF
HVDUU\LQVHUW
t 3RVLWLRQWKHQHZF\OLQGHUKHDGV7KHOHJHQG VSDUH
SDUW1R PXVWEHOHJLEOH
 
t 3RVLWLRQF\OLQGHUKHDGLQVHUWDOOF\OLQGHUKHDGEROWV
DQGWLJKWHQE\KDQG

6

t 6FUHZGRZQWKHF\OLQGHUKHDGLQIRXUVWDJHVLQWKHLQ
GLFDWHGWLJKWHQLQJVHTXHQFH
 3UHWLJKWHQZLWKWRUTXHZUHQFK
6WDJH, 1P
VWDJH,, 1P

cardiagn.com
 7LJKWHQIXUWKHUZLWKDULJLGZUHQFK

6WDJH,,, WXUQ  


6WDJH,9 WXUQ 

7KHIXUWKHUDVVHPEO\LVFDUULHGRXWLQUHYHUVHRUGHUWR
GLVDVVHPEO\

t ,QVWDOOLQJWKHWRRWKHGEHOWWLJKWHQLQJÜ &KDS
t 7RSXSFRRODQWÜ &KDS

7HVWLQJFRPSUHVVLRQ

7HVWFRQGLWLRQ
” (QJLQHRLOWHPSHUDWXUHPLQ&

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ &RPSUHVVLRQSUHVVXUHJDXJH HJ9$* RU
9$* 
‰ $GDSWHU HJ9$*  
‰ )OH[LEOHKHDGZUHQFKIRUJORZSOXJV

7HVWVHTXHQFH
t 5HPRYHHQJLQHFRYHU
7RGRVRSXOOWKHIURQWDQGUHDUHQJLQHFRYHUXSZDUGV
ZLWKDVXGGHQPRWLRQDUURZV

t 6HSDUDWHSLQSOXJFRQQHFWLRQIURPLQMHFWLRQSXPS
t 5HPRYHDOOJORZSOXJVZLWKWKHIOH[LEOHKHDGZUHQFK
6
IRUJORZSOXJV

5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 6FUHZLQDGDSWHULQVWHDGRIWKHJORZSOXJV
t &KHFNFRPSUHVVLRQSUHVVXUHZLWKWKHFRPSUHVVLRQ
JDXJH
9$*
1RWH
=\O EDU
8VHRIWHVWHUÜ 2SHUDWLQJ,QVWUXFWLRQV
=\OLQGHU
t 2SHUDWHVWDUWHUXQWLOWKHWHVWHUQRORQJHULQGLFDWHVD
SUHVVXUHULVH 35,17

 &
&RPSUHVVLRQUHDGLQJV 9$*

QHZHQJLQH :HDUOLPLW 3UHVVXUHGLIIHUHQFH 9$*


EHWZHHQF\OLQGHUV
6
e 03D PD[03D
03D

t 6FUHZLQJORZSOXJVZLWKIOH[LEOHKHDGZUHQFK
7LJKWHQLQJWRUTXH1P

t ,QWHUURJDWHIDXOWPHPRU\DQGHUDVHÜ 6',(Q

cardiagn.com
JLQH)XHO,QMHFWLRQ5HS *U 

1RWH
)DXOWVDUHVWRUHGZKHQWKHSOXJFRQQHFWLRQVDUHVHSDUDW
HGIURPWKHLQMHFWLRQSXPS

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HPRYLQJDQGLQVWDOOLQJF\OLQGHUKHDG (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HSDLULQJ9DOYH*HDU

1RWH
&\OLQGHUKHDGVZLWKFUDFNVEHWZHHQWKHYDOYHVHDWVPD\EHFRQWLQXHWREHXVHGZLWKRXWDQ\UHGXFWLRQLQWKHOLIHWLPH
SURYLGHGWKHFUDFNVDUHVOLJKWDQGPD[PPZLGH

  %HDULQJFDSV
q )LWWLQJSRVLWLRQÜ )LJ LQ 
SDJH 
q )LWWLQJVHTXHQFHÜ &KDS 

q /LJKWO\FRDWKHDGFRQWDFW
VXUIDFHRIEHDULQJFDSV
DQGZLWKVHDODQW
$09    
  1P
  &DPVKDIW
q LQVSHFWLQJD[LDOSOD\ 
Ü )LJ LQSDJH 
q UHPRYLQJDQGLQVWDOOLQJ 
Ü &KDS 

cardiagn.com
q FKHFNUDGLDOFOHDUDQFHZLWK 
SODVWLFJDXJH
‰ :HDUOLPLWPP 
q 6ODFNPD[PP 
q ,GHQWLILFDWLRQWLPLQJ
Ü )LJ LQSDJH 
  %XFNHWWDSSHWV
q GRQRWLQWHUFKDQJH 
q ZLWKK\GUDXOLFYDOYHFOHDU
DQFHFRPSHQVDWLRQ
q LQVSHFWLQJÜ &KDS 
q OD\DVLGHZLWKFRQWDFWVXU
IDFHIDFLQJGRZQ
q EHIRUHLQVWDOOLQJFKHFND[LDO
SOD\RIWKHFDPVKDIWÜ )LJ  
LQSDJH 
q RLOFRQWDFWVXUIDFH 1
  &ROOHWV
  9DOYHVSULQJUHWDLQHU
  9DOYHVSULQJ
q UHPRYLQJDQGLQVWDOOLQJ
‰ &\OLQGHUKHDGUHPRYHGZLWK03 03 03 
‰ &\OLQGHUKHDGILWWHGÜ &KDS
  9DOYHVWHPVHDO
q UHSODFLQJÜ &KDS
  9DOYHJXLGH
q LQVSHFWLQJÜ &KDS
q LIZHDUOLPLWLVH[FHHGHGUHSODFHF\OLQGHUKHDG
  *DVNHWULQJ
q SD\DWWHQWLRQWRGLIIHUHQWYHUVLRQÜ )LJ LQSDJH 
q ILWZLWKHODVWRPHUJDVNHWULQJLID37)(JDVNHWULQJZDVILWWHG
q WRUHPRYHDQGLQVWDOOUHPRYHEHDULQJFDSDQGWRRWKHGEHOWJHDU
q 5HPRYLQJDQGLQVWDOOLQJWRRWKHGEHOWÜ &KDS
q *DVNHWULQJLQ37)(YHUVLRQ

(GLWLRQ 5HSDLULQJ9DOYH*HDU SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

‰ 'RQRWDGGLWLRQDOO\OXEULFDWHRUJUHDVHVHDOLQJOLSVRIWKHJDVNHWULQJ
‰ EHIRUHILWWLQJUHPRYHRLOUHVLGXHVRQWKHFDPVKDIWVWXGVZLWKDFOHDQFORWK
q *DVNHWULQJLQHODVWRPHUYHUVLRQ
‰ /LJKWO\RLOWKHVHDOLQJOLSVRIWKHJDVNHWULQJ
q WRILWFRYHUVORWRQWKHFDPVKDIWFRQHZLWKDGKHVLYHWDSH HJ6FRWFKWDSH 
  &\OLQGHUKHDG
q 3D\DWWHQWLRQWRQRWHÜ SDJH 
  9DOYHV
q YDOYHGLPHQVLRQVÜ )LJ LQSDJH 

)LJ  ,QVSHFWLQJFDPVKDIWD[LDOSOD\

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 8QLYHUVDOGLDOJDXJHKROGHU03 
‰ 'LDOJDXJH

:HDUOLPLWPD[PP
3HUIRUPPHDVXUHPHQWZLWKWKHEXFNHWWDSSHWVUHPRYHG

cardiagn.com
DQGWKHILUVWDQGODVWEHDULQJFDSILWWHG

)LJ  )LWWLQJSRVLWLRQRIWKHFDPVKDIWEHDULQJFDS
3D\DWWHQWLRQWRFHQWUHGLVSODFHPHQW%HIRUHLQVWDOOLQJ
WKHFDPVKDIWILWEHDULQJFDSDQGGHWHUPLQHWKHILWWLQJSR
VLWLRQ

5HSDLULQJ9DOYH*HDU (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
)LJ  *DVNHWULQJYHUVLRQV
, ,,
, (ODVWRPHUJDVNHWULQJ
VHDOLQJOLSZLWKJDUWHUVSULQJ
,, 37)(JDVNHWULQJ
PXOWLSOHVHDOLQJOLSVZLWKRXWJDUWHUVSULQJ
 

1RWH
:KHQLQVWDOOLQJ37)(JDVNHWULQJGRQRWPRLVWHQZLWKRLO
7KHVKDIWPXVWDOVREHIUHHIURPRLODQGJUHDVH

6

)LJ  9DOYHGLPHQVLRQV

1RWH
9DOYHVPXVWQRWEHUHZRUNHG2QO\JULQGLQJLQLVSHUPLV
VLEOH

cardiagn.com
'L ,QOHWYDOYH ([KDXVWYDOYH
PHQ
VLRQ
ºD PP  
ºE PP  
F PP  
a À  

)LJ  &DPVKDIWLGHQWLILFDWLRQ
‰ %DVHFLUFOHRIWKHFDPVD º  PP
‰ ,GHQWLILFDWLRQZLWKGLJLWVDQGFKDUDFWHUVVWDPSHGLQ
EHWZHHQWKHLQOHWDQGRXWOHWFDPV

&\OLQGHU DUURZ$ (


&\OLQGHU DUURZ% '(

7LPLQJXSWRPPYDOYHVWURNH
$ %
,QOHWRSHQVDIWHU7'& 
,QOHWFORVHVDIWHU%'& 
2XWOHWRSHQVEHIRUH%'&  1
2XWOHWFORVHVEHIRUH7'& 

(GLWLRQ 5HSDLULQJ9DOYH*HDU SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HSDLULQJ9DOYH*HDU (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 &DPVKDIW
7HVWLQJK\GUDXOLFEXFNHWWDSSHWV
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ )HHOHUJDXJH
‰ +RO] E]Z .XQVWVWRIINHLO

1RWH
‰ $OZD\VUHSODFHEXFNHWWDSSHWFRPSOHWH FDQQRWEH
DGMXVWHGRUUHSDLUHG 
‰ ,UUHJXODUYDOYHQRLVHVZKHQVWDUWLQJHQJLQHDUHQRU
PDO

7HVWVHTXHQFH
t 6WDUWHQJLQHDQGDOORZWRUXQXQWLOWKHUDGLDWRUIDQKDV
FXWLQRQFH

cardiagn.com
t ,QFUHDVHHQJLQHVSHHGWRDERXWUSPIRUPLQ
XWHV
,IWKHK\GUDXOLFEXFNHWWDSSHWVDUHVWLOOORXGGHWHUPLQHWKH
IDXOW\WDSSHW V DVIROORZV

t 5HPRYHHQJLQHFRYHUDQGF\OLQGHUKHDGFRYHU
t 7XUQWKHFUDQNVKDIWFORFNZLVHXQWLOWKHFDPRIWKH
EXFNHWWDSSHWWREHWHVWHGLVSRVLWLRQHGRQWRS
t 3UHVVWKHEXFNHWWDSSHWGRZQOLJKWO\XVLQJDZRRGHQ
RUSODVWLFZHGJH,IDPPIHHOHUJDXJHFDQEHLQ
VHUWHGEHWZHHQWKHFDPVKDIWDQGWKHEXFNHWWDSSHW
WKHWDSSHWPXVWEHUHSODFHG

1RWH
$IWHUILWWLQJQHZEXFNHWWDSSHWVGRQRWUXQHQJLQHIRUDS
SUR[PLQXWHV7KHK\GUDXOLFFOHDUDQFHFRPSHQVDWLRQ
HOHPHQWVPXVWVHWWOH RWKHUZLVHYDOYHVZRXOGVWULNHWKH
SLVWRQV 

5HPRYLQJDQGLQVWDOOLQJFDPVKDIW
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ $GMXVWLQJVWUDLJKWHGJH03 
‰ &RXQWHUKROGHU03 RU7
‰ 7ZRDUPH[WUDFWRU7
‰ 6HDODQW$09   

5HPRYLQJ
t 5HPRYHHQJLQHFRYHU7RGRVRSXOOWKHIURQWDQGUHDU
HQJLQHFRYHUXSZDUGVZLWKDVXGGHQPRWLRQ
6
t 5HPRYLQJWKHWRRWKHGEHOWÜ &KDS

(GLWLRQ &DPVKDIW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

1RWH
‰ 7KHFDPVKDIWQHHGQRWEHORFNHG
‰ 9LEUDWLRQGDPSHUEHOWSXOOH\DQGPLGGOHDQGERWWRP
WRRWKHGEHOWVKLHOGPD\UHPDLQILWWHG
‰ 7KHWRRWKHGEHOWUHPDLQVRQWKHWRRWKHGEHOWJHDU
FUDQNVKDIW

t /RRVHQWKHIL[LQJEROWRQWKHFDPVKDIWWLPLQJJHDU
WXUQ
&RXQWHUKROGWKHFDPVKDIWWLPLQJJHDUZLWKFRXQWHU
KROGHU03 RU7

t 3RVLWLRQWZRDUPH[WUDFWRU7ZLWKVLQJOHDUP
FODZ$DQGWKHWZRDUPFODZ%LQWKHFHQWUHRIWKH $
FDPVKDIWWLPLQJJHDUDQGH[WUDFW
&RXQWHUKROGWKHWZRDUPH[WUDFWRUZLWKDQRSHQHQG 7
ZUHQFK&

t )LUVWUHPRYHEHDULQJFDSVDQG
t 5HOHDVHDQGUHPRYHEHDULQJFDSVDQGDOWHUQDWHO\ %

cardiagn.com
DQGFURVVZLVH

,QVWDOOLQJ & 0

1RWH
‰ :KHQILWWLQJWKHFDPVKDIWWKHFDPVRIF\OLQGHUPXVW
SRLQWXSZDUGV
‰ :KHQLQVWDOOLQJWKHEHDULQJFDSVSD\DWWHQWLRQWRWKH
FHQWUHGLVSODFHPHQWRIWKHERUHEHIRUHLQVWDOOLQJLQ
VHUWEHDULQJFDSDQGGHWHUPLQHILWWLQJSRVLWLRQ

t 2LOWKHFRQWDFWVXUIDFHVRIWKHFDPVKDIW
t ,QVHUWFDPVKDIW
t 6FUHZLQEHDULQJFDSVDQGDOWHUQDWHO\FURVVZLVH
DQGWLJKWHQWR1P
t /LJKWO\FRDWKHDGFRQWDFWVXUIDFHRIEHDULQJFDSV
DQGZLWKVHDODQW$09   
t ,QVWDOOEHDULQJFDSVDQGDQGDOVRWLJKWHQWR
1P
t $GMXVWEHDULQJFDSE\JHQWO\WDSSLQJWKHHQGIDFHRI
WKHFDPVKDIW
t :LSHRIIDQ\VHDODQWRR]LQJIURPEHDULQJFDSVDQG
7KHUHPXVWQRWEHDQ\VHDODQWRQWKHVHDOLQJVXU
IDFHRIWKHF\OLQGHUKHDGF\OLQGHUKHDGFRYHU
t /RFNWKHFDPVKDIWZLWKWKHDGMXVWLQJVWUDLJKWHGJH
03 

1RWH
7KHYDOYHVRIF\OLQGHUPXVWEHFORVHGDQGWKHYDOYHVRI
F\OLQGHUPXVWRYHUODS

t &HQWUHDGMXVWLQJVWUDLJKWHGJHDVIROORZV
03 6

&DPVKDIW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
7XUQORFNHGFDPVKDIWLQVXFKDZD\WKDWRQHHQGRI
WKHDGMXVWLQJVWUDLJKWHGJHVWULNHVWKHF\OLQGHUKHDG
0HDVXUHWKHUHVXOWLQJSOD\DWWKHRWKHUHQGRIWKHDG
MXVWLQJVWUDLJKWHGJHZLWKDIHHOHUJDXJH
,QVHUWIHHOHUJDXJHZLWKKDOYHGSOD\GLPHQVLRQEH
WZHHQWKHDGMXVWLQJVWUDLJKWHGJHDQGWKHF\OLQGHU
KHDG1RZWXUQWKHFDPVKDIWLQVXFKDZD\WKDWWKH
DGMXVWLQJVWUDLJKWHGJHLVSRVLWLRQHGRQWKHIHHOHU
JDXJH
,QVHUWWKHVHFRQGIHHOHUJDXJHZLWKWKHVDPHGLPHQ
VLRQDWWKHRWKHUHQGEHWZHHQWKHDGMXVWLQJVWUDLJKW
HGJHDQGWKHF\OLQGHUKHDG

t ,QVWDOOLQJWKHWRRWKHGEHOWWLJKWHQLQJÜ &KDS
7KHIXUWKHULQVWDOODWLRQLVFDUULHGRXWLQUHYHUVHRUGHUWR
UHPRYDO

1RWH
‰ $IWHUZRUNLQJRQWKHYDOYHJHDUFDUHIXOO\URWDWHWKHHQ
JLQHDWOHDVWWXUQVWRHQVXUHQRYDOYHVWULNHVZKHQ
WKHHQJLQHLVVWDUWHG
‰ $IWHUILWWLQJQHZEXFNHWWDSSHWVGRQRWUXQHQJLQHIRU

cardiagn.com
DSSUR[PLQXWHV7KHK\GUDXOLFFOHDUDQFHFRPSHQ
VDWLRQHOHPHQWVPXVWVHWWOH RWKHUZLVHYDOYHVZRXOG
VWULNHWKHSLVWRQV 

(GLWLRQ &DPVKDIW SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

&DPVKDIW (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 9DOYH6HDWV9DOYHV*XLGH
9DOYH6WHP6HDO

5HZRUNLQJYDOYHVHDWV

1RWH
‰ 'RQRWUHPLOOYDOYH2QO\JULQGLQJLQRIYDOYHVLVSHU
PLVVLEOH
‰ LQVSHFWLQJYDOYHJXLGHVÜ SDJH ,IWKHZHDU
OLPLWLVH[FHHGHGUHSHDWPHDVXUHPHQWZLWKQHZ
YDOYHV,IWKHZHDUOLPLWLVDJDLQH[FHHGUHSODFHF\OLQ
GHUKHDG
‰ &DOFXODWLQJPD[SHUPLVVLEOHUHZRUNLQJGLPHQVLRQ
Ü SDJH ,IWKHZHDUOLPLWLVH[FHHGHGUHSHDW
PHDVXUHPHQWZLWKQHZYDOYHV,IWKHZHDUOLPLWLV
DJDLQH[FHHGUHSODFHF\OLQGHUKHDG

&DOFXODWLQJPD[SHUPLVVLEOHUHZRUNLQJ
GLPHQVLRQ

cardiagn.com
t ,QVHUWYDOYHDQGSUHVVILUPO\DJDLQVWWKHYDOYHVHDW

1RWH
,IWKHYDOYHLVUHSODFHGZKHQFDUU\LQJRXWUHSDLUZRUNXVH
DQHZYDOYHIRUWKHPHDVXUHPHQW

t 0HDVXUHGLVWDQFHDEHWZHHQWKHHQGRIWKHYDOYH
VWHPDQGWKHXSSHUIDFHRIWKHF\OLQGHUKHDG
t &DOFXODWHPD[SHUPLVVLEOHUHZRUNLQJGLPHQVLRQIURP
WKHGLVWDQFHDPHDVXUHGDQGWKHPLQLPXPGLPHQ
VLRQ
0LQLPXPGLPHQVLRQ
‰ ,QOHWYDOYHPP
‰ ([KDXVWYDOYHPP

0HDVXUHGGLVWDQFHOHVVPLQLPXPGLPHQVLRQ PD[SHU
PLVVLEOHUHZRUNLQJGLPHQVLRQ
([DPSOH

0HDVXUHGGLVWDQFH PP
 0LQLPXPGLPHQVLRQ PP
0D[SHUPLVVLEOHUHZRUNLQJGL PP
PHQVLRQ

1RWH
,IWKHPD[SHUPLVVLEOHUHZRUNLQJGLPHQVLRQLVPPUH
SHDWWKHPHDVXUHPHQWZLWKDQHZYDOYH,IWKHPD[SHU
PLVVLEOHUHZRUNLQJGLPHQVLRQLVRQFHDJDLQPP
UHSODFHF\OLQGHUKHDG

(GLWLRQ 9DOYH6HDWV9DOYHV*XLGH9DOYH6WHP6HDO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

,QVSHFWLQJYDOYHJXLGHV
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 8QLYHUVDOGLDOJDXJHKROGHU03 
‰ 'LDOJDXJH

:RUNVHTXHQFH
t ,QVHUWYDOYHLQWRJXLGH(QGRIYDOYHVWHPPXVWEH
IOXVKZLWKJXLGH
%HFDXVHRIWKHGLIIHUHQWVWHPGLDPHWHUVRQO\XVHLQOHW
YDOYHLQLQOHWJXLGHRURXWOHWYDOYHLQRXWOHWJXLGH
9DOYHURFNPD[PP

1RWH
‰ ,IWKHZHDUOLPLWLVH[FHHGHGUHSHDWPHDVXUHPHQW
ZLWKQHZYDOYHV,IWKHZHDUOLPLWLVDJDLQH[FHHGUH
SODFHF\OLQGHUKHDG

cardiagn.com
‰ ,IWKHYDOYHLVUHSODFHGZKHQFDUU\LQJRXWUHSDLUZRUN
XVHDQHZYDOYHIRUWKHPHDVXUHPHQW

5HSODFLQJYDOYHVWHPVHDOV
” &\OLQGHUKHDGILWWHG

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ $VVHPEO\OHYHUZLWKSUHVVXUHSODWH03 
‰ $VVHPEO\GHYLFH03 
‰ ([WUDFWRU03 
‰ ,QVHUWLRQWRRO03 

5HPRYLQJ
t 5HPRYLQJFDPVKDIWÜ &KDS
t 5HPRYHEXFNHWWDSSHWV GRQRWLQWHUFKDQJH DQGOD\
DVLGHZLWKWKHFRQWDFWVXUIDFHIDFLQJGRZQ
t 3XWWKHSLVWRQRIWKHUHOHYDQWF\OLQGHULQWRSGHDGFHQ
WUH 7'& 
t ,QVHUWDVVHPEO\GHYLFH03 DQGDGMXVWEHDULQJ
WRVWD\EROWKHLJKW
t 5HPRYHYDOYHVSULQJVZLWKDVVHPEO\OHYHUDQGSUHV
VXUHSODWH03 

1RWH
7KHYDOYHVUHVWRQWKHSLVWRQFURZQ

9DOYH6HDWV9DOYHV*XLGH9DOYH6WHP6HDO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 3XOORIIYDOYHVWHPVHDOVZLWK03 
7RGRVRSUHVVEXVKLQJVOLJKWO\GRZQZDUGV

03

6
,QVWDOOLQJ
t 7RDYRLGGDPDJLQJWKHQHZYDOYHVWHPVHDOVLQVHUW
SODVWLFEXVKLQJ$RQWKHYDOYHVWHP
t 2LOYDOYHVWHPVHDO%LQVHUWLQWKHLQVHUWLRQWRRO
03 RLOVHDOLQJOLSDQGFDUHIXOO\SXVKRQWRWKH
YDOYHJXLGH % 03

cardiagn.com
$
1RWH
‰ $IWHUZRUNLQJRQWKHYDOYHJHDUFDUHIXOO\URWDWHWKHHQ
JLQHDWOHDVWWXUQVWRHQVXUHQRYDOYHVWULNHVZKHQ
WKHHQJLQHLVVWDUWHG
‰ $IWHULQVWDOOLQJWKHFDPVKDIWWKHHQJLQHPXVWQRWEH
VWDUWHGIRUDERXWPLQXWHV7KHK\GUDXOLFFOHDUDQFH
FRPSHQVDWLRQHOHPHQWVPXVWVHWWOH RWKHUZLVHYDOYHV
ZRXOGVWULNHWKHSLVWRQV  6

(GLWLRQ 9DOYH6HDWV9DOYHV*XLGH9DOYH6WHP6HDO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

9DOYH6HDWV9DOYHV*XLGH9DOYH6WHP6HDO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± /XEULFDWLRQ

 5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP

1RWH
‰ ,IFRQVLGHUDEOHTXDQWLWLHVRIPHWDOVZDUIRUDEUDVLRQLVIRXQGLQWKHHQJLQHRLOZKHQFDUU\LQJRXWHQJLQHUHSDLUV
FDUHIXOO\FOHDQWKHRLOJDOOHULHVLQRUGHUWRDYRLGFRQVHTXHQWLDOGDPDJHDQGDGGLWLRQDOO\UHSODFHWKHRLOFRROHU
‰ 7HVWLQJRLOSUHVVXUHDQGRLOSUHVVXUHVZLWFKÜ &KDSWHU
‰ 7KHRLOOHYHOPXVWQHYHUH[FHHGWKHdPD[qPDUNLQJULVNRIGDPDJHWRFDWDO\WLFFRQYHUWHU

&KHFNWKHHQJLQHRLOFRQGLWLRQRLOOHYHODQGRLOVSHFLILFDWLRQÜ ,QVSHFWLRQDQG0DLQWHQDQFH

  2LOSXPS
q ZLWKSUHVVXUHUHOLHIYDOYH
 03D  EDU
q EHIRUHLQVWDOOLQJFKHFN
ZKHWKHUERWKGRZHOVOHHYHV
IRUFHQWHULQJRLOSXPSF\OLQ
GHUEORFNDUHSUHVHQW

cardiagn.com
q LIWKHUHLVDQ\VFRULQJRQFRQ
WDFWVXUIDFHVDQGJHDUVUH
SODFH
  2LOSXPSVSURFNHW
q SD\DWWHQWLRQWRFRUUHFWLQ
VWDOODWLRQSRVLWLRQ
q ILWVRQWRRLOSXPSVKDIWLQRQH
SRVLWLRQRQO\
  1P
  2LOSXPSFKDLQ
  6HDOLQJIODQJH
q EHIRUHLQVWDOOLQJFRDWZLWK
VLOLFRQHVHDODQW
'   $ Ü &KDSWHU

q UHSODFLQJFUDQNVKDIWVHDO
Ü &KDSWHU
  1P
  &KDLQWHQVLRQHU1P
q ZKHQLQVWDOOLQJSUHWHQVLRQ
VSULQJDQGDWWDFK
  6SURFNHW
  'LSVWLFN
q WKHRLOOHYHOPXVWQRWEH
DERYHWKHdPD[qPDUNLQJ
q ,QVSHFWHQJLQHRLOOHYHO
Ü ,QVSHFWLRQDQG0DLQWHQDQFH
  )LOOHUIXQQHO
q UHPRYHIRUH[WUDFWLQJRLO
  *XLGHWXEH
  2LOLQMHFWLRQQR]]OH
q IRUSLVWRQFRROLQJ
  3UHVVXUHUHOLHIYDOYH1P
q RSHQVDWDQRYHUSUHVVXUHRIWR03D WREDU 
q UHSODFHZLWKRXWVHDODQW

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

  2ULQJ
q UHSODFH
  6XFWLRQOLQH
q FOHDQVWUDLQHULIGLUW\
  %DIIOH
  2LOSDQ
q EHIRUHLQVWDOOLQJFRDWZLWKVLOLFRQHVHDODQW'   $ Ü &KDSWHU
  2LOGUDLQSOXJ1P
q ZLWKJDVNHW
q UHSODFH

'LVDVVHPEOLQJDQGDVVHPEOLQJWKHRLOILOWHUKROGHU
  6FUHZSOXJ 1P
  *DVNHW
q UHSODFH
  2LOFRROHU
q ZKHQLQVWDOOLQJPRYHXS
     

cardiagn.com
DJDLQVWWKHDQWLWZLVWORFN LQ
GLUHFWLRQRIWLJKWHQLQJ
  *DVNHW
q UHSODFH
q LQVHUWLQWROXJVRQRLOFRROHU
  6FUHZSOXJ 1P
q ZLWKJDVNHW 
q GRQRWVODFNHQRWKHUZLVHUH
SODFH
   03D  EDU RLOSUHV
VXUHVZLWFK )1P  
q EURZQ
q FXWRSHQVHDOLIOHDNLQJDQG
UHSODFH

q LQVSHFWÜ &KDSWHU
  2LOILOWHUKROGHU 
q ZLWKLQWHJUDWHGRYHUSUHVVXUH
YDOYH  03DEDU 
  1PWRUTXHDIXUWKHU 
WXUQ  
q UHSODFH
q EHIRUHWLJKWHQLQJWXUQLQE\ 
KDQGILUVW
  *DVNHW
q UHSODFH
6
  *DVNHW
q UHSODFH
  6FUHZSOXJ 1P
q GRQRWVODFNHQ
  &DS1P
  2ULQJ
q UHSODFH
  2LOILOWHUHOHPHQW
q 5HSODFH2ULQJVÜ LWHP DQGÜ LWHP LIRLOILOWHULVFKDQJHG

5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
  2ULQJ
q UHSODFH

cardiagn.com

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHOXEULFDWLRQV\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HPRYLQJDQGLQVWDOOLQJ
RLOSDQ
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ +LQJHGZUHQFK
‰ 6RFNHWLQVHUW
‰ +DQGKHOGSRZHUGULOOZLWKSODVWLFEUXVKLQVHUW
‰ )ODWVFUDSHU
‰ 7RUTXHZUHQFK
‰ 6LOLFRQHVHDODQW '   $

5HPRYLQJ

t 5HPRYHQRLVHLQVXODWLRQDUURZV
t 'UDLQHQJLQHRLO
t 8QEROWRLOSDQ

1RWH

cardiagn.com
6ODFNHQRLOSDQEROWVDWIO\ZKHHOVLGHZLWKKLQJHGZUHQFK
DQGXQVFUHZZLWKZUHQFKVRFNHW 6

t 5HPRYHRLOSDQLIQHFHVVDU\UHOHDVHE\DSSO\LQJ
VOLJKWEORZVZLWKDUXEEHUKHDGHGKDPPHU
t 8VHDIODWVFUDSHUWRUHPRYHVHDODQWUHVLGXHVRQWKH
F\OLQGHUEORFN
t 8VHDURWDWLQJSODVWLFEUXVKWRUHPRYHVHDODQWUHVL
GXHVRQWKHRLOSDQ ZHDUSURWHFWLYHJRJJOHV 
t &OHDQVHDOLQJVXUIDFHVWKH\PXVWEHIUHHRIRLODQG
JUHDVH
,QVWDOOLQJ

1RWH
‰ 7KHRLOSDQPXVWEHLQVWDOOHGZLWKLQPLQXWHVDIWHUDS
SO\LQJWKHVLOLFRQHVHDODQW
1
‰ 8VHZUHQFKVRFNHWWRLQVHUWWKHRLOSDQEROWVDW
IO\ZKHHOVLGHDQGWLJKWHQZLWKKLQJHGZUHQFK

t &XWRIIQR]]OHWXEHRIWKHVLOLFRQHVHDODQW
'   $DWWKHIURQWPDUNLQJ ºRIQR]]OHDS
SUR[PP 
‰ 7KLFNQHVVRIVHDODQWEHDGWRPP
‰ 7KHVHDODQWEHDGPXVWEHUXQSDVWRQWKHLQVLGHLQWKH
DUHDRIWKHEROWKROHVDUURZV

1RWH
7KHVHDODQWEHDGPXVWQRWEHWKLFNHUWKDQPPRWKHU
ZLVHH[FHVVVHDODQWPD\JHWLQWRWKHRLOSDQDQGFORJJ
WKHVWUDLQHULQWKHRLOVXFWLRQSLSH

1

(GLWLRQ 5HPRYLQJDQGLQVWDOOLQJRLOSDQ SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t $SSO\VLOLFRQHVHDODQWWRWKHFOHDQVHDOLQJVXUIDFHRI
WKHRLOSDQDVVKRZQLQWKHLOOXVWUDWLRQ

1RWH
7DNHSDUWLFXODUFDUHZKHQDSSO\LQJVHDODQWEHDGLQWKH
DUHDRIWKHVHDOLQJIODQJHDWWKHUHDUDUURZV

t )LWRQRLOSDQLPPHGLDWHO\DQGWLJKWHQWKHEROWVDVIRO
ORZV
  7LJKWHQDOOWKHEROWVRIRLOSDQF\OLQGHUEORFNVOLJKWO\
GLDJRQDOO\DFURVV
  7LJKWHQWKHWKUHHEROWVRIRLOSDQF\OLQGHUEORFN
VOLJKWO\
  7LJKWHQDOOWKHEROWVRIRLOSDQF\OLQGHUEORFNVOLJKWO\ 6
GLDJRQDOO\DFURVV
  7LJKWHQWKHWKUHHEROWVRIRLOSDQJHDUER[WR1P
  7LJKWHQDOOWKHEROWVRIRLOSDQF\OLQGHUEORFNGLDJR
QDOO\DFURVVWR1P

1RWH

cardiagn.com
‰ :KHQLQVWDOOLQJWKHRLOSDQZLWKWKHHQJLQHUHPRYHG
HQVXUHWKDWWKHRLOSDQLVIOXVKZLWKWKHF\OLQGHUEORFN
DWWKHIO\ZKHHOVLGH
‰ $IWHULQVWDOOLQJWKHRLOSDQDOORZWKHVHDODQWWRGU\IRU
DERXWPLQXWHV2QO\WKHQPD\HQJLQHRLOEHILOOHG
LQ

5HPRYLQJDQGLQVWDOOLQJRLOSDQ (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 7HVWLQJRLOSUHVVXUHDQG
RLOSUHVVXUHVZLWFK
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 2LOSUHVVXUHPHDVXULQJGHYLFH HJ9$* 
‰ 'LRGHWHVWODPS HJ9$*  %
‰ 0HDVXULQJWRROVHW HJ9$*  $RU
9$*  &
‰ &XUUHQWIORZGLDJUDP

)XQFWLRQRIG\QDPLFRLOSUHVVXUHZDUQLQJV\VWHPLI
RLOSUHVVXUHORZ
7KHRLOSUHVVXUHVZLWFKLVRSHQHGZKHQSUHVVXUHOHVVDQG
FORVHGZKHQWKHVZLWFKLQJSUHVVXUHLVUHDFKHG
7KHRLOSUHVVXUHZDUQLQJLVDFWLYDWHGIRUDERXWVHF
RQGVDIWHUWKHLJQLWLRQLVVZLWFKHGRQ dWHUPLQDORQq 
$FWLYDWLRQGHOD\RIRLOSUHVVXUHZDUQLQJV\VWHPPD[
VHFRQGV'HDFWLYDWLRQGHOD\RIWKHRLOSUHVVXUHZDUQLQJ
V\VWHPPD[VHFRQGV

cardiagn.com
7HVWZDUQLQJOLJKW
$IWHUWKHLJQLWLRQLVVZLWFKHGRQDQGZLWKWKHHQJLQHQRW
UXQQLQJWKHRLOSUHVVXUHZDUQLQJOLJKWLQWKHGDVKSDQHO
LQVHUWPXVWFRPHRQIRUDERXWVHFRQGVDQGWKHQJRRXW
7KHFKHFNLVHQGHGZKHQWKHHQJLQHLVVWDUWHG
:DUQLQJFULWHULD
7KHYLVXDORLOSUHVVXUHZDUQLQJLVVZLWFKHGRQ RLOSUHV
VXUHZDUQLQJOLJKWIODVKHV DQGWKHEX]]HUVRXQGVWLPHV
DVDQDXGLEOHZDUQLQJLIDWOHDVWRQHRIWKHIROORZLQJFRQ
GLWLRQVH[LVWV

” d,JQLWLRQRQqHQJLQHQRWUXQQLQJRLOSUHVVXUHVZLWFK
FORVHG
” (QJLQHVSHHGJUHDWHUWKDQUSPRLOSUHVVXUH
VZLWFKFORVHG

t $WDQHQJLQHVSHHGDERYHUSPWKHRLOSUHVVXUH
ZDUQLQJLVQRWFDQFHOOHGDOVRQRWLIWKHRLOSUHVVXUH
VZLWFKLVFORVHG2LOSUHVVXUHVZLWFKFDQFHOOHGEHORZ
USP
t ,IWKHRLOSUHVVXUHVZLWFKLVRSHQIRURQO\WRVHF
RQGVDWDQHQJLQHVSHHGDERYHUSPWKLVLV
VWRUHGLQWKHFRPELQDWLRQSURFHVVRURIWKHGDVKSDQHO
LQVHUW,IWKLVFRQGLWLRQRFFXUVWLPHVZKHQWKHHQJLQH
LVUXQQLQJWKHRLOSUHVVXUHZDUQLQJLVLPPHGLDWHO\DF
WLYDWHGDQGLVQRWFDQFHOOHGEHORZUSP7KHRLO
SUHVVXUHZDUQLQJLVFDQFHOOHGRQFHWKHRLOSUHVVXUH
VZLWFKLVFORVHGIRUPRUHWKDQVHFRQGVDWDQHQJLQH
VSHHGRIPRUHWKDQUSPRULIWKHdLJQLWLRQLV
VZLWFKHGRIIq
7HVWFRQGLWLRQV

(GLWLRQ 7HVWLQJRLOSUHVVXUHDQGRLOSUHVVXUHVZLWFK SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

” ,QVSHFWHQJLQHRLOOHYHOWRHQVXUHWKDWLWLV2.
Ü ,QVSHFWLRQDQG0DLQWHQDQFH
” 2LOSUHVVXUHZDUQLQJOLJKW . PXVWFRPHRQIRU
DERXWVHFRQGVZKHQLJQLWLRQLVVZLWFKHGRQ
” (QJLQHRLOWHPSHUDWXUHDWOHDVW& UDGLDWRUIDQ
PXVWKDYHUXQDWOHDVWRQFH 

7HVWVHTXHQFH

t 8QSOXJFRQQHFWRUIURPRLOSUHVVXUHVZLWFK
t 8QVFUHZRLOSUHVVXUHVZLWFKDQGVFUHZLQWKHRLOSUHV 9$*
VXUHPHDVXULQJGHYLFH
t 6FUHZRLOSUHVVXUHVZLWFKLQWRWKHWHVWHTXLSPHQW
t &RQQHFWEURZQFDEOHRIWHVWHUWRHDUWK  
t &RQQHFWGLRGHWHVWODPSWRRLOSUHVVXUHVZLWFKDQG
WRWKHEDWWHU\SRVLWLYH  
7KH/('PXVWQRWOLJKWXS
 
t ,IWKH/('OLJKWVXSUHSODFHWKHRLOSUHVVXUHVZLWFK

cardiagn.com

t 6WDUWHQJLQHDQGVORZO\LQFUHDVHHQJLQHVSHHG 
t 7KH/('PXVWFRPHRQDWDQRYHUSUHVVXUHRI
WR03D WREDU 7KHRLOSUHVVXUH $
VZLWFKPXVWEHUHSODFHGLILWGRHVQRWFRPHRQ
t ,QFUHDVHHQJLQHVSHHGIXUWKHU$WUSPDQGDQ
RLOWHPSHUDWXUHRI&WKHRLOSUHVVXUHVKRXOGEHDW
OHDVW03D EDU 
$WKLJKHUHQJLQHVSHHGVWKHRLOSUHVVXUHPXVWQRWEH
JUHDWHUWKDQ03D EDU 5HSODFHRLOILOWHUKROGHUWR
JHWKHUZLWKSUHVVXUHUHOLHIYDOYHLIQHFHVVDU\

7HVWLQJRLOSUHVVXUHDQGRLOSUHVVXUHVZLWFK (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± &RROLQJ

 3DUWVRIFRROLQJV\VWHP
6XPPDU\RIFRPSRQHQWV

1RWH
‰ :KHQWKHHQJLQHLVZDUPWKHFRROLQJV\VWHPLVXQGHU
SUHVVXUH,IQHFHVVDU\UHGXFHSUHVVXUHEHIRUHUH
SDLUV
‰ 7KHKRVHFRQQHFWLRQVDUHVHFXUHGZLWKVSULQJW\SH
FOLSV,QWKHHYHQWRIUHSDLUVRQO\XVHVSULQJW\SHFOLSV
‰ $OZD\VUHSODFHVHDOVDQGJDVNHWULQJV
‰ :KHQLQVWDOOLQJILWWKHFRRODQWKRVHVIUHHRIVWUHVV
ZLWKRXWWKHPWRXFKLQJDQ\RWKHUFRPSRQHQWV SD\DW
WHQWLRQWRWKHPDUNLQJRQWKHFRRODQWFRQQHFWLRQDQG
KRVH 
&RRODQWPL[WXUHGDWDÜ SDJH 

cardiagn.com
3DUWVRIWKHFRROLQJV\VWHPILWWHGWRERG\
  5DGLDWRU
q UHPRYLQJDQGLQVWDOOLQJ
Ü &KDSWHU
  
q DIWHUUHSODFLQJILOOHQWLUHV\V
WHPZLWKIUHVKFRRODQW   
  2ULQJ
q UHSODFH
  
  7RSFRRODQWKRVH
q DWWDFKHGWRUDGLDWRUE\UH 
WDLQLQJFOLSV 
*

q FRQQHFWLRQGLDJUDPIRUFRRO
DQWKRVHVÜ SDJH 
  &RYHUSODWH  
q 3UHVVXUHWHVWÜ  
SDJH 

  &RQQHFWRU
  'RXEOHVFUHZ1P
  $LUGXFWVFRRS  
  1P 
  1P 
  ([SDQVLRQUHVHUYRLU
q FKHFNWKHFRRODQWV\VWHPIRU 
WLJKWQHVVÜ SDJH 

q FRQQHFWLRQGLDJUDPIRUFRRO
DQWKRVHVÜ SDJH  
  5HWDLQLQJFOLS 
q IRUIDQFDEOH
 
q FKHFNWLJKWQHVV
  $X[LOLDU\IDQ
q IRUYHKLFOHVZLWKDLUFRQGL   6
WLRQLQJV\VWHPRUDGGLWLRQDO
HTXLSPHQW

(GLWLRQ 3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

  )DQKROGHU
  )DQIRUUDGLDWRU
  %RWWRPFRRODQWKRVH
q DWWDFKHGWRUDGLDWRUE\UHWDLQLQJFOLSV
q FRQQHFWLRQGLDJUDPIRUFRRODQWKRVHVÜ SDJH 
  %UDFNHW
q IRUIDQFRQQHFWRU
  7KHUPRVZLWFKIRUUDGLDWRUIDQ) 1P
q RUIRUERWKIDQV
q VZLWFKLQJWHPSHUDWXUHV
6WDJH
‰ RQWR&
‰ RIIWR&
6WDJH
‰ RQWR&
‰ RIIWR&
  %RWWRPUDGLDWRUEHDULQJ
q EODFN
  1P
  7RSUDGLDWRUEHDULQJ

cardiagn.com
q ZKLWH

3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
3DUWVRIFRROLQJV\VWHPHQJLQHVLGH
  1P
  &RRODQWSXPS   
q FKHFNVPRRWKRSHUDWLRQ
q FKHFNILWWLQJSRVLWLRQ
q UHPRYLQJDQGLQVWDOOLQJ
Ü &KDSWHU
  2ULQJ 
q UHSODFH
  *DVNHW 
q FKHFNWLJKWQHVV
q UHSODFH 

  &ODPS
q FKHFNWLJKWQHVV  
  6HQGHUIRUWKHFRRODQWWHP

SHUDWXUH* 
q LQVSHFWÜ 6',(QJLQH  
)XHO,QMHFWLRQ5HS *U 
  'LVWULEXWRUSDUW


cardiagn.com
  WRWKHFRPSHQVDWLRQERWWOH
DERYH
q FRQQHFWLRQGLDJUDPIRUFRRO
DQWKRVHVÜ SDJH  

  7RSFRRODQWSLSH 
q EROWHGWRLQWDNHPDQLIROG
  1P


  &RQQHFWLRQILWWLQJV
q IRUKHDWH[FKDQJHU  
  &RQQHFWLRQILWWLQJV
q RQF\OLQGHUKHDG
  'LVWULEXWRUSDUW      6
  7RZDUGVWRSUDGLDWRU
q FRQQHFWLRQGLDJUDPIRUFRRODQWKRVHVÜ SDJH 
  &RRODQWSLSH
  WRERWWRPFRPSHQVDWLRQERWWOH
q &RQQHFWLRQSODQIRUFRRODQWKRVHVÜ SDJH 
  WRERWWRPUDGLDWRU
q FRQQHFWLRQGLDJUDPIRUFRRODQWKRVHVÜ SDJH 
  &RQQHFWLRQILWWLQJV
q IRUFRRODQWUHJXODWRU
  &RRODQWUHJXODWRU
q UHPRYLQJDQGLQVWDOOLQJÜ &KDSWHU
  2LOFRROHU
q UHPRYLQJDQGLQVWDOOLQJÜ &KDSWHU

(GLWLRQ 3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

&RQQHFWLRQGLDJUDPIRUFRRODQWKRVHV
 5DGLDWRU
 2LOFRROHU
 &RRODQWUHJXODWRU
 &RRODQWSXPS     
 &\OLQGHUEORFN
 ([SDQVLRQUHVHUYRLU
 7RSFRRODQWSLSH
 &RQQHFWLRQILWWLQJV
q RQF\OLQGHUKHDG
 +HDWH[FKDQJHUIRUKHDWLQJ
  &RQQHFWLRQILWWLQJV
q IRUKHDWH[FKDQJHU
  &RRODQWSLSH 
  4XLFNFRXSOLQJ


 

cardiagn.com




6

'UDLQLQJDQGILOOLQJXSFRRODQW
&RRODQWFDSDFLW\DSSUR[OLWUHV

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ &DWFKSDQ HJ9$* 
‰ DQWLIUHH]HWHVWHU

'UDLQLQJ

&DXWLRQ
+RWVWHDPPD\HVFDSHZKHQWKHFRPSHQVDWLRQ
ERWWOHLVRSHQHG&RYHUWKHFDSZLWKDFORWKDQG
RSHQFDUHIXOO\

t 2SHQWKHFDSRIWKHFRPSHQVDWLRQERWWOH
t 5HPRYHQRLVHLQVXODWLRQDUURZV 6

3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 3ODFHDFDWFKSDQXQGHUWKHHQJLQH
t 7XUQWKHGUDLQSOXJDUURZRQWKHUDGLDWRUWRWKHOHIW
DQGGUDZEDFNZDUGVLIQHFHVVDU\ILWDX[LOLDU\KRVH
RQWRFRQQHFWLRQ

A10-0118

t $OVRUHPRYHWKHIURQWFRRODQWKRVHRQWKHRLOFRROHU
DUURZDQGGUDLQUHVLGXDOFRRODQW

1RWH
2EVHUYHWKHGLVSRVDOLQVWUXFWLRQVIRUFRRODQW

cardiagn.com
)LOOLQJXS
6HOHFWWKHDSSURSULDWHFRRODQWDGGLWLYHIURPWKHRULJLQDO
VSDUHSDUWVFDWDORJXHi.2'$RUIURPWKHOLVWRIDOORZHG
FRRODQWDGGLWLYHVÜ ,QVSHFWLRQDQG0DLQWHQDQFH
5HFRPPHQGHGPL[WXUHUDWLRV

$QWLIUHH]HSUR $QWLIUHH]HFRQ 'ULQNLQJ 6


WHFWLRQGRZQWR FHQWUDWLRQ  ZDWHU
&  OLWUHV  OLWUHV
&  OLWUHV  OLWUHV
 7KHSURSRUWLRQRIFRRODQWDGGLWLYHPXVWQRWJREHORZGXHWR
FRUURVLRQSURWHFWLRQFRQVLGHUDWLRQVEXWPXVWDOVRQRWH[FHHG
RWKHUZLVHWKHIURVWSURWHFWLRQHIIHFWZLOOEHUHGXFHGDQGWKHFRROLQJ
HIIHFWZRUVHQHG
 7KHFRRODQWDPRXQWPD\GLIIHUDFFRUGLQJWRWKHYHUVLRQRIWKHYHKL
FOH

t )LWFRRODQWKRVHRQWRRLOFRROHU
t ,QVHUWDQGWLJKWHQWKHFRRODQWGUDLQSOXJ
t )LOOXSFRRODQWJUDGXDOO\XSWRWKHdPD[qPDUNLQJRQ
WKHFRPSHQVDWLRQERWWOH
t 6HDOH[SDQVLRQUHVHUYRLU
t 5XQHQJLQHXQWLOIDQVWDUWV


*
&DXWLRQ
+RWVWHDPPD\HVFDSHZKHQWKHFRPSHQVDWLRQ
ERWWOHLVRSHQHG&RYHUWKHFDSZLWKDFORWKDQG
RSHQFDUHIXOO\

t &KHFNFRRODQWOHYHOLIQHFHVVDU\WRSXS,IWKHHQJLQH 6
LVZDUPWKHFRRODQWOHYHOPXVWEHRQWKHdPD[qPDUN

(GLWLRQ 3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

LQJLIWKHHQJLQHLVFROGWKHOHYHOPXVWOLHEHWZHHQWKH
dPLQqDQGdPD[qPDUNLQJ

&KHFNLQJWKHFRRODQWV\VWHPIRUWLJKW
QHVV
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ &RRODQWV\VWHPWHVWHU HJ9$* 
‰ $GDSWHU HJ9$*  
‰ $GDSWHU HJ9$*  

7HVWFRQGLWLRQV
” (QJLQHPXVWEHZDUP

7HVWVHTXHQFH

&DXWLRQ

cardiagn.com
+RWVWHDPPD\HVFDSHZKHQWKHFRPSHQVDWLRQ
ERWWOHLVRSHQHG&RYHUWKHFDSZLWKDFORWKDQG
RSHQFDUHIXOO\

t 2SHQWKHFDSRIWKHFRRODQWH[SDQVLRQERWWOH
t 3RVLWLRQFRRODQWV\VWHPWHVWHU HJ9$*  
ZLWKDGDSWHU HJ9$*  RQWKHFRPSHQVD 9$*
WLRQERWWOH
t 8VLQJWKHKDQGSXPSRIWKHWHVWLQJGHYLFHJHQHUDWH
DQRYHUSUHVVXUHRIDSSUR[03D EDU 
t ,IWKHSUHVVXUHGURSVGHWHUPLQHSRVLWLRQRIWKHOHDN
DQGUHSDLU

7HVWLQJWKHSUHVVXUHUHOLHIYDOYHLQWKHFDS 9$*
t 6FUHZFDSRQWRWHVWHUZLWKDGDSWHU HJ9$* 
  
*

t 8VLQJWKHKDQGSXPSRIWKHWHVWLQJGHYLFHJHQHUDWH 6
DQRYHUSUHVVXUHRIDSSUR[03D EDU 
t 7KHSUHVVXUHUHOLHIYDOYHPXVWRSHQIRUDQRYHUSUHV
VXUHRIWR 03D WREDU 

3DUWVRIFRROLQJV\VWHP6XPPDU\RIFRPSRQHQWV (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HPRYLQJDQG,QVWDOOLQJ
5DGLDWRU&RRODQW3XPS
&RRODQW5HJXODWRU

5HPRYLQJDQGLQVWDOOLQJUDGLDWRU
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG 
DX[LOLDU\LWHPVUHTXLUHG
‰ &DWFKSDQ HJ9$*  
‰ 7RUTXHZUHQFK1P HJ9$*  

5HPRYLQJ
t 'UDLQFRRODQWÜ &KDS
t 5HPRYHFRQQHFWRUIURPWKHUPRVZLWFK)DQG 6
VHSDUDWHSOXJFRQQHFWLRQRQWKHKROGHURIWKHDLU
GXFWVFRRS
7RGRVRSUHVVWKHODWFKFOLSV

cardiagn.com
7KHUHDUHSOXJFRQQHFWLRQVRQYHKLFOHVILWWHGZLWKDLU
FRQGLWLRQLQJ

t 6HSDUDWHWKHFRRODQWKRVHIURPWKHUDGLDWRUDWWKHWRS
DQGERWWRPRIWKHFRQQHFWLRQILWWLQJV
7RGRVRSXOOWKHUHWDLQLQJFOLSXSWRWKHVWRSDQG
UHPRYHWKHTXLFNFRXSOLQJWRZDUGVWKHUHDU

9HKLFOHVZLWKRXWDLUFRQGLWLRQLQJ

t 8QEROWFDEOHFOLSIURPWKHVWDUWHUDUURZ
/D\FDEOHZLWKFOLSWRZDUGVWKHUHDU 6

t 5HPRYLQJIURQWEXPSHUÜ %RG\:RUN5HS *U 


t 8QVFUHZEROWVIRUUDGLDWRUEHDULQJDUURZV
7LJKWHQLQJWRUTXH1P

t 3XOOUDGLDWRUZLWKIDQEDFNZDUGVDQGUHPRYHGRZQ
ZDUGV

9HKLFOHVZLWKDLUFRQGLWLRQLQJ

&DXWLRQ
'RQRWRSHQWKHUHIULJHUDQWFLUFXLWRIWKHDLUFRQGL
WLRQLQJV\VWHP
6

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ5DGLDWRU&RRODQW3XPS&RRODQW SDJH


6 5HJXODWRU
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 8QVFUHZEROWVIRUUDGLDWRUEHDULQJDUURZV
7LJKWHQLQJWRUTXH1P

t 5HPRYLQJWKHORFNFDUULHUZLWKFRPSRQHQWSDUWV
Ü %RG\:RUN5HS *U 
$WWDFKWKHFRQGHQVHUZLWKWKHUDGLDWRUWRWKHHQJLQHRU
VXSSRUW

1RWH
‰ 'RQRWVXVSHQGWKHFRQGHQVHUWRWKHZLUHV
‰ 'RQRWIROGWKHFRQGHQVHUZLUHV

6

t 5HOHDVHWKHEROWVVHFXULQJWKHFRQGHQVHUDUURZV
DQGUHPRYHUDGLDWRUZLWKIDQ
7LJKWHQLQJWRUTXH1P

cardiagn.com
,QVWDOOLQJ
7KHLQVWDOODWLRQRFFXUVLQUHYHUVHRUGHU3D\DWWHQWLRQWR
WKHIROORZLQJ

t 7RSXSFRRODQWÜ &KDS
t 5HDGMXVWKHDGOLJKWVRQYHKLFOHVILWWHGZLWKDLUFRQGL
WLRQLQJ

5HPRYLQJDQGLQVWDOOLQJFRRODQWSXPS 6

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 

5HPRYLQJ
t 5HPRYHQRLVHLQVXODWLRQDUURZV
t 'UDLQLQJFRRODQW
t 5HPRYLQJWKHWRRWKHGEHOWÜ &KDS

1RWH
‰ 7KHFUDQNVKDIWEHOWSXOOH\YLEUDWLRQGDPSHUDQGERW
WRPWRRWKHGEHOWVKLHOGPD\UHPDLQILWWHG
‰ 7KHWRRWKHGEHOWUHPDLQVRQWKHWRRWKHGEHOWJHDURI
WKHFUDQNVKDIW
‰ 2EVHUYHDOOWKHLQVWUXFWLRQVIRUUHPRYLQJDQGLQVWDOOLQJ
WKHWRRWKHGEHOWÜ &KDS
6

5HPRYLQJDQG,QVWDOOLQJ5DGLDWRU&RRODQW3XPS&RRODQW (GLWLRQ
SDJH 5HJXODWRU 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 8QVFUHZJXLGHSXOOH\
t 5HPRYHJXLGHSXOOH\VFUHZDQGSXVKWKHJXLGH
SXOOH\GRZQDSSUR[PP   
t 8QVFUHZFRRODQWSXPS


,QVWDOOLQJ

t &OHDQVHDOLQJVXUIDFHIRU2ULQJLIQHFHVVDU\HYHQ 6
RXW
t 0RLVWHQQHZ2ULQJZLWKFRRODQWIOXLG
t ,QVHUWFRRODQWSXPSLQWKHF\OLQGHUEORFN
)LWWLQJSRVLWLRQ3OXJSRLQWVGRZQZDUGV
  
t 7LJKWHQVFUHZV

cardiagn.com
7LJKWHQLQJWRUTXH1P

t 5HSODFHDQGWLJKWHQVFUHZIRUJXLGHSXOOH\
7LJKWHQLQJWRUTXH1P WXUQ

t ,QVWDOOLQJWKHWRRWKHGEHOWWLJKWHQLQJÜ &KDS 
t 7RSXSFRRODQWÜ &KDS 
6
5HPRYLQJDQGLQVWDOOLQJFRRODQWUHJXOD
WRU
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ &DWFKSDQ HJ9$*  
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ 3OLHUVIRUVSULQJVWUDSFOLSV

5HPRYLQJ

1RWH
$OZD\VUHSODFHVHDOVDQGJDVNHWULQJV

t 5HPRYHHQJLQHFRYHU
7RGRVRSXOOWKHIURQWDQGUHDUHQJLQHFRYHUXSZDUGV
ZLWKDVXGGHQPRWLRQDUURZV

6

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ5DGLDWRU&RRODQW3XPS&RRODQW SDJH


6 5HJXODWRU
 )$%,$  © 6',(QJLQH0HFKDQLFV

t 'UDLQFRRODQWÜ &KDS
t 5HPRYHFRRODQWKRVHIURPFRQQHFWLRQILWWLQJV 
t 5HOHDVHWKHIL[LQJVFUHZVRIWKHFRQQHFWLRQILWWLQJV
DQGUHPRYHFRQQHFWLRQILWWLQJVZLWKFRRODQWUHJX
ODWRU
t 7XUQFRRODQWUHJXODWRUWXUQ  WRWKHOHIWDQG
UHPRYHIURPFRQQHFWLRQILWWLQJV

,QVWDOOLQJ
7KHLQVWDOODWLRQRFFXUVLQUHYHUVHRUGHU3D\DWWHQWLRQWR
WKHIROORZLQJ

   $
t &OHDQVHDOLQJVXUIDFHIRU2ULQJ
t 0RLVWHQQHZ2ULQJZLWKFRRODQWDQGLQVHUWRQFRQ
QHFWLRQILWWLQJ

t )LWFRRODQWUHJXODWRULQWKHFRQQHFWLRQILWWLQJ
DQGWXUQWXUQ  WRWKHULJKW

cardiagn.com
1RWH
7KHFRRODQWUHJXODWRUFODPSVPXVWEHYLUWXDOO\YHUWLFDO

t ,QVHUWWKHFRQQHFWLRQILWWLQJZLWKFRRODQWUHJXODWRU
LQWKHF\OLQGHUEORFN
t 7LJKWHQIL[LQJVFUHZV
7LJKWHQLQJWRUTXH1P

t 7RSXSFRRODQWÜ &KDS    $

5HPRYLQJDQG,QVWDOOLQJ5DGLDWRU&RRODQW3XPS&RRODQW (GLWLRQ
SDJH 5HJXODWRU 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± )XHO6XSSO\

 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP

)XHOWDQNZLWKFRPSRQHQWSDUWV6XPPDU\RIFRPSRQHQWV

1RWH
‰ )XHOOLQHVDUHVHFXUHGE\SOXJFRQQHFWRUV
‰ )XHOKRVHVLQWKHHQJLQHDQGIXHOILOWHUPXVWRQO\EHVHFXUHGZLWKVSULQJVWUDSFODPSV7KHXVHRIFROODUFODPSVRU
VFUHZFODPSVLVQRWDOORZHG
‰ 2EVHUYHVDIHW\PHDVXUHVÜ SDJH 
‰ 2EVHUYHUXOHVIRUFOHDQOLQHVVÜ SDJH 

5HSDLULQJWKHDFFHOHUDWRUFRQWUROÜ &KDS

  (QGFRYHU
 
  1P
  )XHOILOOHUIODSXQLW   

cardiagn.com
q ZLWKUXEEHUERZO 
  *UDYLW\YDOYH
q WRUHPRYHXQFOLSYDOYHDWWRS 
DQGOLIWRXWRIILOOHUQHFN
q LQVSHFWYDOYHIRUEORFNDJH
‰ YDOYHYHUWLFDORSHQ
‰ YDOYHWLOWHGFORVHG 
  (DUWKFRQQHFWLRQ 
  1P 

  9HQWOLQH 
q FOLSSHGLQSODFHRQIXHOWDQN 
  1P 
  )XHOWDQN
q VXSSRUWZLWKHQJLQHJHDUER[
MDFN9$*  $ZKHQ
UHPRYLQJ
q UHPRYLQJDQGLQVWDOOLQJ
Ü SDJH  
  7HQVLRQLQJVWUDS
  6HQGHUXQLWIRUIXHOJDXJHGLV
SOD\ 
q UHPRYLQJDQGLQVWDOOLQJ 
Ü SDJH 
q ZLWKVHQGHUIRUIXHOJDXJH
GLVSOD\ 
‰ UHPRYLQJDQGLQVWDOOLQJ
Ü SDJH 
6
  *DVNHWULQJ
q UHSODFHLIGDPDJHG
q PRLVWHQZLWKIXHOEHIRUHLQVWDOOLQJ
  8QLRQQXW
q XVHZUHQFK03 IRUUHPRYLQJDQGLQVWDOOLQJ
  )HHGOLQH
q WRIXHOILOWHUÜ SDJH 

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

q RQFRQQHFWLRQ9 IODQJH
q EODFN
q WRUHPRYHIURPIODQJHSUHVVUHOHDVHEXWWRQRQWKHFRQQHFWLQJSDUW
q FKHFNWLJKWQHVV
q FOLSSHGLQSODFHRQIXHOWDQN
  5HWXUQIORZOLQH
q IURPIXHOILOWHUÜ SDJH 
q RQFRQQHFWLRQ5 IODQJH
q EOXH
q WRUHPRYHIURPIODQJHSUHVVUHOHDVHEXWWRQRQWKHFRQQHFWLQJSDUW
q FKHFNWLJKWQHVV
q FOLSSHGLQSODFHRQIXHOWDQN
  9HQWYDOYH
q WRUHPRYHXQFOLSYDOYHDWVLGHDQGWDNHRXWRIILOOHUQHFN
q EHIRUHLQVWDOOLQJXQVFUHZFDS
q FKHFNÜ )LJ LQSDJH 
  2ULQJ
q UHSODFH

cardiagn.com
)LJ  )LWWLQJSRVLWLRQRIWKHIODQJHRIWKHIXHO
JDXJHGLVSOD\VHQGHUXQLW
0DUNLQJRQWKHIODQJHPXVWEHDOLJQHGZLWKPDUNLQJRQ
WKHIXHOWDQNDUURZV
%ODFN IHHGOLQHWRFRQQHFWLRQPDUNHG9
5 9
%OXH UHWXUQIORZOLQHWRFRQQHFWLRQPDUNHG5 
1RWH
$IWHULQVWDOOLQJWKHIXHOJDXJHVHQGHUXQLWFKHFNZKHWKHU 
WKHIHHGDQGUHWXUQIORZOLQHVDUHVWLOOFOLSSHGRQWRWKHIXHO
WDQN
6

)LJ  ,QVSHFWLQJYHQWYDOYH
/HYHULQRIISRVLWLRQFORVHG
/HYHUSXVKHGLQGLUHFWLRQRIDUURZRSHQ

1RWH
8QVFUHZFDSRIIXHOWDQNEHIRUHLQVWDOOLQJWKHYHQWYDOYH

6DIHW\SUHFDXWLRQVZKHQZRUNLQJRQWKH
IXHOVXSSO\V\VWHP
:KHQUHPRYLQJDQGLQVWDOOLQJWKHIXHOJDXJHVHQGHUXQLW
IURPDIXOORUSDUWO\ILOOHGIXHOWDQNSD\DWWHQWLRQWRWKHIRO
ORZLQJ
‰ 7KHH[WUDFWLRQKRVHRIDQH[KDXVWH[WUDFWLRQV\VWHP
ZKLFKLVVZLWFKHGRQPXVWEHSRVLWLRQHGFORVHWRWKH
DVVHPEO\RSHQLQJRIWKHIXHOWDQNLQRUGHUWRH[WUDFW
WKHUHOHDVHGIXHOJDVHVHYHQEHIRUHWKHZRUNLVFRP

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
PHQFHG,IQRH[KDXVWH[WUDFWLRQV\VWHPLVDYDLODEOH
DUDGLDOIDQ PRWRUQRWLQDLUIORZRIIDQ ZLWKDGHOLYHU\
YROXPHRIPRUHWKDQPKPXVWEHXVHG
‰ $YRLGVNLQFRQWDFWZLWKIXHO:HDUIXHOUHVLVWDQW
JORYHV

&OHDQOLQHVVUXOHV
&DUHIXOO\REVHUYHWKHIROORZLQJdUXOHVqIRUFOHDQOLQHVV
ZKHQZRUNLQJRQWKHIXHOVXSSO\LQMHFWLRQV\VWHP
‰ 7KRURXJKO\FOHDQWKHFRQQHFWLRQSRLQWVDQGWKHLUVXU
URXQGLQJVEHIRUHUHOHDVLQJ
‰ 3ODFHUHPRYHGSDUWVRQDFOHDQVXUIDFHDQGFRYHU'R
QRWXVHIX]]\FORWKV
‰ &DUHIXOO\FRYHURUFORVHRSHQHGFRPSRQHQWVLIWKHUH
SDLULVQRWFRPSOHWHGLPPHGLDWHO\
‰ 2QO\LQVWDOOFOHDQSDUWV5HPRYHVSDUHSDUWVIURP
WKHLUZUDSSLQJLPPHGLDWHO\EHIRUHILWWLQJ'RQRWXVH
SDUWVZKLFKKDYHEHHQVWRUHGXQZUDSSHG HJLQWRRO
ER[HVDQGWKHOLNH 
‰ :KHQWKHV\VWHPLVRSHQ$YRLGXVLQJFRPSUHVVHG

cardiagn.com
DLU$YRLGPRYLQJWKHYHKLFOH
‰ $OVRPDNHVXUHQRGLHVHOIXHOUXQVRQWRWKHFRRODQW
KRVHV,IWKLVLVWKHFDVHFOHDQWKHKRVHVLPPHGLDWHO\
&RQWDPLQDWHGKRVHVPXVWEHUHSODFHG

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

5HSDLULQJWKHIXHOILOWHU
7KHIORZGLUHFWLRQLVLQGLFDWHGZLWKDUURZVRQWKHIXHOKRVHVWKHSUHKHDWLQJYDOYHDQGRQWKHIXHOILOWHU

  5HWXUQIORZKRVH
q IURPWKHLQMHFWLRQSXPS  
q EOXHPDUNLQJ
  LQWDNHKRVH
q WRWKHLQMHFWLRQSXPS
q ZKLWHPDUNLQJ 

  5HWDLQLQJFOLS
q UHSODFHLIGDPDJHG  
  3UHKHDWLQJYDOYH
q )LWWLQJSRVLWLRQ$UURZGLUHF
WLRQWRWKHIXHOWDQN
q LIWKHILOWHULVUHSODFHGUHPRYH 
UHWDLQLQJFOLSDQGSUHKHDWLQJ
YDOYHZLWKWKHIXHOOLQHVFRQ 
QHFWHG
q DWOHVVWKDQ&DFFHVV
WRILOWHURSHQ
q DERYH&DFFHVVWRILOWHU

cardiagn.com

FORVHG
  5HWXUQIORZKRVH
q WRIXHOWDQN 
q EOXHPDUNLQJ
  LQWDNHKRVH  
q IURPIXHOWDQN
q ZKLWHPDUNLQJ
  )XHOILOWHU 
q ILOOZLWKGLHVHOIXHOEHIRUHILW
WLQJ
q GRQRWLQWHUFKDQJHFRQQHF 
WLRQV
q UHSODFHLIGDPDJHG 6
q UHPRYLQJDQGLQVWDOOLQJ
Ü )LJ LQSDJH 
  *DVNHW
q UHSODFHLIGDPDJHG
  GUDLQSOXJ
q WRYHQWLODWHUHPRYHWKHUHWDLQLQJFOLSRIWKHSUHKHDWLQJYDOYHDQGUHPRYHSUHKHDWLQJYDOYHZLWKWKHIXHOOLQHV
FRQQHFWHG
q UHOHDVHDQGGUDLQDSSUR[OWUIOXLG FDWFK
  1P
  %UDFNHW
  3ODVWLFLQVHUW
q ZLWKKROGHUÜ LWHP DVSDUHSDUW

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
)LJ  5HPRYLQJDQGLQVWDOOLQJIXHOILOWHU

t 5HPRYHWKHSUHKHDWLQJYDOYHZLWKWKHIXHOKRVHVILWWHG
SXOOUHWDLQLQJFOLS 
t 'LVFRQQHFWIXHOLQWDNHKRVHV
t 3XVKWKHUHWDLQLQJOXJVDUURZVRIWKHSODVWLFLQVHUW
RXWZDUGV
t 5HPRYHIXHOILOWHUIURPWKHWRS

1RWH
7KHIXHOILOWHUFDQRQO\EHILWWHGLQRQHSRVLWLRQ

5HPRYLQJDQGLQVWDOOLQJWKHIXHOJDXJH 6
VHQGHUXQLW
2EVHUYHVDIHW\PHDVXUHVÜ SDJH 
2EVHUYHUXOHVIRUFOHDQOLQHVVÜ SDJH 

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG

cardiagn.com
‰ :UHQFKIRUXQLRQQXW03 

5HPRYLQJ
t 2QPRGHOVILWWHGZLWKDFRGHGUDGLRVHWSD\DWWHQWLRQ
WRWKHFRGLQJGHWHUPLQHLIQHFHVVDU\
 
t 'LVFRQQHFWWKHHDUWKVWUDSIURPWKHEDWWHU\ZLWKWKHLJ  
QLWLRQRII
t 3UHVVRIIFRYHU EHORZUHDUVHDW 
7KHUXEEHUJURPPHWPD\UHPDLQILWWHG

t 5HPRYHIHHGOLQH EODFN DQGUHWXUQIORZOLQH



EOXH IURPWKHIODQJHRIWKHVHQGHUXQLW7RGRVR
SUHVVWKHUHOHDVHEXWWRQV 6
t UHOHDVHSLQFRQQHFWRUDQGGLVFRQQHFWIURP
IODQJHRIWKHVHQGHUXQLW
t 8QVFUHZXQLRQQXWZLWKZUHQFK03 
03
t 3XOOWKHIXHOJDXJHVHQGHUXQLWDQGWKHJDVNHWULQJRXW
RIWKHRSHQLQJRIWKHIXHOWDQN

1RWH
,IWKHIXHOJDXJHVHQGHUXQLWLVVWLOOIXOORIIXHOHPSW\LWEH
IRUHUHSODFLQJ

,QVWDOOLQJ
,QVWDOODWLRQRFFXUVLQUHYHUVHRUGHU3D\DWWHQWLRQWRWKH
IROORZLQJ
6

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

1RWH
‰ :KHQLQVHUWLQJWKHIXHOJDXJHVHQGHUPDNHVXUHWKH
IXHOJDXJHVHQGHUXQLWLVQRWEHQW
‰ 0RLVWHQWKHJDVNHWULQJRIWKHIODQJHZLWKIXHOEHIRUH
ILWWLQJ
‰ 0DNHVXUHWKHIXHOOLQHVILWWLJKWO\

&KHFNILWWLQJSRVLWLRQ
‰ 0DUNLQJRQWKHIODQJHPXVWEHDOLJQHGZLWKPDUNLQJ
RQWKHIXHOWDQNDUURZV
5 9
‰ %ODFN IHHGOLQHWRFRQQHFWLRQPDUNHG9 
‰ %OXH UHWXUQIORZOLQHWRFRQQHFWLRQPDUNHG5

5HPRYLQJDQGLQVWDOOLQJWKHIXHOJDXJH 
VHQGHU

5HPRYLQJ 6

t 5HPRYLQJWKHIXHOJDXJHVHQGHUXQLWÜ SDJH 

cardiagn.com
t 8QODWFKDQGGLVFRQQHFWWKHOLQHFRQWDFWVWXGVDQG

t 5DLVHFDWFKHVDQGZLWKDVFUHZGULYHUDQGUH
PRYHWKHIXHOJDXJHVHQGHUIURPWKHERWWRPDUURZ

,QVWDOOLQJ
t ,QVHUWWKHIXHOJDXJHVHQGHULQWKHVHQGHUXQLWJXLGHV
DQGSUHVVXSZDUGVXQWLOWKH\ODWFKLQWRSRVLWLRQ

5HPRYLQJDQGLQVWDOOLQJWKHIXHOWDQN
2EVHUYHVDIHW\PHDVXUHVÜ SDJH 
2EVHUYHUXOHVIRUFOHDQOLQHVVÜ SDJH 

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ (QJLQHJHDUER[MDFN HJ9$*  $
‰ )XHOH[WUDFWLRQGHYLFH HJ9$* $ 

5HPRYLQJ
t 2QPRGHOVILWWHGZLWKDFRGHGUDGLRVHWSD\DWWHQWLRQ
WRWKHFRGLQJGHWHUPLQHLIQHFHVVDU\
 
t 'LVFRQQHFWWKHHDUWKVWUDSIURPWKHEDWWHU\ZLWKWKHLJ 
QLWLRQRII 
t 3UHVVRIIFRYHU EHORZUHDUVHDW 
7KHUXEEHUJURPPHWPD\UHPDLQILWWHG

t UHOHDVHDQGGLVFRQQHFWSLQFRQQHFWRUIURP 
IODQJHRIWKHVHQGHUXQLW
6

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 'UDLQIXHOWDQNXVLQJWKHIXHOH[WUDFWLRQGHYLFH6FUHZ
FDSUHPDLQVRII
t 5HPRYLQJUHDUD[OHÜ 5XQQLQJ*HDU5HS *U 
t 5HPRYLQJIURQWDQGUHDUVLOHQFHUÜ &KDS
t 5HPRYHOHIWKHDWVKLHOGQH[WWRWKHIXHOWDQN
t 5HPRYHUHDUULJKWZKHHOKRXVHOLQHU
t 8QVFUHZEROWVRQILOOHUQHFNDUURZV

6

t 'LVFRQQHFWIHHGOLQH EODFN DQGUHWXUQIORZOLQH


EOXH IURPWKHIXHOWDQN SUHVVUHOHDVHEXWWRQV 
t 3RVLWLRQWKHHQJLQHJHDUER[MDFNXQGHUWKHIXHOWDQN
IRUVXSSRUW

cardiagn.com
 

6

t 5HOHDVHWKHVHFXULQJEROWVRIWKHIXHOWDQNDUURZV
t 'UDZWKHILOOHUQHFNIURPWKHUXEEHUERZORIWKHWDQNOLG
XQLWDQGORZHUIXHOWDQN

,QVWDOOLQJ
,QVWDOODWLRQRFFXUVLQUHYHUVHRUGHU3D\DWWHQWLRQWRWKH
IROORZLQJ

6

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

t &RQQHFWWKHIXHOOLQHVWRWKHIODQJHRIWKHIXHOJDXJH
VHQGHUXQLW
‰ %ODFN IHHGOLQHWRFRQQHFWLRQPDUNHG9
‰ %OXH UHWXUQIORZOLQHWRFRQQHFWLRQPDUNHG5

5 9


6

cardiagn.com

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH)XHO6XSSO\6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 5HSDLULQJWKHDFFHOHUDWRUFRQWURO
6XPPDU\RIFRPSRQHQWV
  %UDFNHW
1 2
q UHPRYLQJDQGLQVWDOOLQJ
Ü 5XQQLQJ*HDU
5HS *U 
  &RQQHFWRU
q EODFNSLQV
  6HQGHUIRUDFFHOHUDWRUSHGDO
SRVLWLRQ*
3
q QRWDGMXVWDEOH
q WKHDFFHOHUDWRUSHGDOVHQGHU
WUDQVPLWVWKHGULYHU
VLQVWUXF
WLRQVWRWKHHQJLQHFRQWURO 4
XQLW
q WRUHPRYHWKHVHQGHUUH
PRYHWKHERWWRPSDUWRIWKH
GDVKSDQHOLQVHUWRQWKHGULY
HU
VVLGH

cardiagn.com
q LQVSHFWLQJÜ 6',(Q
JLQH)XHO,QMHFWLRQ
5HS *U 
  1P

N20-0331

(GLWLRQ 5HSDLULQJWKHDFFHOHUDWRUFRQWURO SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HSDLULQJWKHDFFHOHUDWRUFRQWURO (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ± ([KDXVW6\VWHP

 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP

1RWH
$OZD\VUHSODFHJDVNHWVDQGVHOIORFNLQJQXWV

  *DVNHW
q UHSODFH    
  ([KDXVWPDQLIROG
q ZLWKFRQQHFWLRQIRUH[KDXVW
JDVUHFLUFXODWLRQÜ &KDS

q WRUHPRYHWDNHRIILQWDNH  
PDQLIROGÜ 6',(Q
JLQH)XHO,QMHFWLRQ
5HS *U   
  :DVKHU

cardiagn.com
  1P
q UHSODFH 
q FRDWVWXGEROWVZLWKKRWEROW 
SDVWH*$
 
  )URQWH[KDXVWSLSHZLWKFDWD
O\WLFFRQYHUWHU
  5HWDLQLQJORRS 
q SUHVVRIIIURPFURVVPHPEHU
Ü LWHP WRUHPRYHIURQWH[ 
KDXVWSLSHZLWKFDWDO\WLFFRQ
YHUWHU 
  &URVVPHPEHU
  1P
  'RXEOHFODPS
q DOLJQH[KDXVWV\VWHPIUHHRI
VWUHVVEHIRUHWLJKWHQLQJ
Ü SDJH  
q )LWWLQJSRVLWLRQEROWVDWERW
WRPDQGKRUL]RQWDO     
q WLJKWHQEROWHGFRQQHFWLRQV
6
HYHQO\
  1P
q UHSODFH
  +DQJHU
  +DQJHU
  6HSDUDWLRQSRLQW
q IRUUHSDLUVÜ SDJH 
  )URQWDQGUHDUVLOHQFHU
q UHSODFHLQGLYLGXDOO\ZKHQFDUU\LQJRXWUHSDLUVÜ SDJH 
q DOLJQH[KDXVWV\VWHPIUHHRIVWUHVVÜ SDJH 
  1P
q UHSODFH
q FRDWVWXGEROWVZLWKKRWEROWSDVWH*$

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

$OLJQH[KDXVWV\VWHPIUHHRIVWUHVV
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 

:RUNVHTXHQFH
” 7KHH[KDXVWV\VWHPLVDOLJQHGZKHQFROG
t 6ODFNHQEROWHGFRQQHFWLRQVRIGRXEOHFODPSEHWZHHQ
FDWDO\WLFFRQYHUWHUDQGIURQWVLOHQFHUDQGUHSODFHQXWV
t 3RVLWLRQGRXEOHFODPSDWWKHGLVWDQFHD PPIURP
WKHPDUNLQJRQWKHSLSHRIWKHFDWDO\WLFFRQYHUWHU D
EROWVDWERWWRPDQGKRUL]RQWDO DQGWLJKWHQIURQWEROW 6
HGFRQQHFWLRQVOLJKWO\
t 3XVKIURQWVLOHQFHUVXIILFLHQWO\IDUIRUZDUGLQWRWKH
GRXEOHFODPSXQWLOWKHGLPHQVLRQERIPPLV
DFKLHYHGEHWZHHQKDQJHURIERG\DQGKDQJHURIIURQW 
VLOHQFHU
$UURZSRLQWVLQGLUHFWLRQRIWUDYHO

cardiagn.com
t 7LJKWHQEROWHGFRQQHFWLRQVRIGRXEOHFODPSLQWKLVSR
VLWLRQ
7LJKWHQLQJWRUTXH1P

1RWH
$IWHUWLJKWHQLQJWKHGRXEOHFODPSLQVSHFWGLPHQVLRQE E
DQGDGMXVWLIQHFHVVDU\
6

5HSODFLQJIURQWRUUHDUVLOHQFHU
6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG
DX[LOLDU\LWHPVUHTXLUHG
‰ 7RUTXHZUHQFK1P HJ9$* 
‰ %RG\VDZ HJ9$*  

$VHSDUDWLRQSRLQWLVSURYLGHGIRUUHSDLUSXUSRVHVIRUUH
SODFLQJWKHIURQWVLOHQFHURUUHDUVLOHQFHU

t 6HSDUDWHH[KDXVWSLSHDWULJKWDQJOHVDWWKHVHSDUD
WLRQSRLQWDUURZZLWKERG\VDZ 
t :KHQLQVWDOOLQJGRXEOHFODPSSRVLWLRQRQWKHVLGH
PDUNLQJVDUURZVDQG
t $OLJQH[KDXVWV\VWHPIUHHRIVWUHVVÜ SDJH 
t $OLJQUHDUVLOHQFHUKRUL]RQWDOO\
t 7LJKWHQEROWHGFRQQHFWLRQVRIWKHGRXEOHFODPSHYHQ 
O\WR1P 
,QVWDOODWLRQSRVLWLRQRIGRXEOHFODPSEROWVSRVLWLRQHGYHU
WLFDOO\DWIURQWRIH[KDXVWSLSH

&KHFNLQJWKHH[KDXVWV\VWHPIRUOHDNV 6

t 6WDUWHQJLQHDQGUXQLQLGOH

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 
t 6HDORIIWDLOSLSHIRUWKHGXUDWLRQRIWKHOHDNFKHFN HJ
ZLWKFORWKVRUSOXJ 
t ,QVSHFWFRQQHFWLRQSRLQWVRIF\OLQGHUKHDGH[KDXVW
PDQLIROGH[KDXVWPDQLIROGIURQWH[KDXVWSLSHZLWK
FDWDO\WLFFRQYHUWHUHWFIRUOHDNVE\OLVWHQLQJ
t (OLPLQDWHDQ\OHDNIRXQG

cardiagn.com

(GLWLRQ 5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

cardiagn.com

5HPRYLQJDQG,QVWDOOLQJ3DUWVRIWKH([KDXVW6\VWHP (GLWLRQ
SDJH 6
)$%,$  © 6',(QJLQH0HFKDQLFV 

 ([KDXVW*DV5HFLUFXOD
WLRQ6\VWHP
1RWH
‰ 7KHH[KDXVWJDVUHFLUFXODWLRQV\VWHPLVRSHUDWHGE\
WKHGLHVHOGLUHFWLQMHFWLRQV\VWHPFRQWUROXQLW-
WKURXJKWKH(*5YDOYH1WRWKHPHFKDQLFDOH[
KDXVWJDVUHFLUFXODWLRQYDOYH
‰ ,QVSHFWLQJ(*5YDOYH1Ü 6',(QJLQH
)XHO,QMHFWLRQ6\VWHP5HS *U 
‰ 7KHPHFKDQLFDOH[KDXVWJDVUHFLUFXODWLRQYDOYHZLWK
WKHFRQHVKDSHGYDOYHSOXQJHUPDNHVLWSRVVLEOHWR
DFKLHYHGLIIHUHQWRSHQLQJFURVVVHFWLRQVZLWKGLIIHUHQW
YDOYHVWURNHV
‰ $Q\GHVLUHGYDOYHSRVLWLRQLVSRVVLEOHDVDUHVXOWRIWKH
SXOVHGRSHUDWLRQ
‰ $OZD\VUHSODFHWKHVHOIORFNLQJQXWV

5HPRYLQJDQGLQVWDOOLQJSDUWVRIWKHH[KDXVWJDVUHFLUFXODWLRQV\VWHP

cardiagn.com
  ,QWDNHPDQLIROG
  *DVNHW  
q UHSODFH
  0HFKDQLFDOH[KDXVWJDVUHFLU
FXODWLRQYDOYH
q WHVWLQJÜ SDJH 
q WHVWLQJDFWXDWLRQÜ 
6',(QJLQH)XHO,QMHFWLRQ 
6\VWHP5HS *U 
  1P 
  &ROODUFODPS
  1P
  1P
q UHSODFH

  &RQQHFWLQJSLSH 
  ([KDXVWPDQLIROG



6

(GLWLRQ ([KDXVW*DV5HFLUFXODWLRQ6\VWHP SDJH


6
 )$%,$  © 6',(QJLQH0HFKDQLFV

&RQQHFWLRQGLDJUDPIRUYDFXXPKRVHV

  0HFKDQLFDOH[KDXVWJDVUHFLUFXODWLRQYDOYHWHVWLQJ
Ü SDJH 
  (*5YDOYH1 
  7RDLUILOWHU

  7REUDNHVHUYRXQLW 
  1RQUHWXUQYDOYH
  9DFXXPSXPS 

7HVWLQJPHFKDQLFDOH[KDXVWJDVUHFLUFX
ODWLRQYDOYH

6SHFLDOWRROVWHVWDQGPHDVXULQJHTXLSPHQWDQG 6
DX[LOLDU\LWHPVUHTXLUHG
‰ +DQGYDFXXPSXPS H J9$* 

7HVWSURFHGXUH
t 5HPRYHHQJLQHWULPSDQHO

cardiagn.com
t 'HWDFKYDFXXPKRVHDWPHFKDQLFDOH[KDXVWJDVUH
FLUFXODWLRQYDOYH
t &RQQHFWKDQGYDFXXPSXPSWRYDOYH 9$*
t 2SHUDWHSXPS
'LDSKUDJPPXVWPRYHLQGLUHFWLRQRIYDFXXPFRQQHF
WLRQ GHWHUPLQHE\IHHOLQJIURPEHORZDUURZ 

t 'HWDFKKRVHRIKDQGYDFXXPSXPSIURPH[KDXVWJDV
UHFLUFXODWLRQYDOYH
7KHYDOYHPXVWEHKHDUGWRFORVH GLDSKUDJPPRYHV
LQGLUHFWLRQRIH[KDXVWPDQLIROG 

6

([KDXVW*DV5HFLUFXODWLRQ6\VWHP (GLWLRQ
SDJH 6

You might also like