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S H E I L A B E N I N A T I D E S I G N
SHEILA BENINATI
408 Main Street
West Newbury, MA 01985
978.808-7859
creative@beninatidesign.com
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© 2015 SHEIL A BENINATI
EMERSON
® Q&A
QUESTIONS AND
ANSWERS WITH HEEL . . . . . 4-5
® WOMEN’S
HEALTH
BENEFICIAL EFFECTS
OF MACA . . . . . . . . . . . . . . . . 6
HORMONE REPLACEMENT
THERAPY . . . . . . . . . . . . . . . . 7
® CLINICAL
RESEARCH
COMMENTS ON LATEST PUBLISHED,
CONTROLLED CLINICAL STUDIES
BY DR. AUSTIN & DR. GABY . . 8-9
® ELEMENTS OF
EMERSON
ACUPUNCTURE & ORIENTAL
MEDICINE INFORMATION BY
VIVIEN ZHANG . . . . . . . . . 26-27
® EMERSON
SUPPLEMENT
KEEPING YOU UP-TO-DATE
WITH NEWS & FEATURES . . . . . . 2
SPRING ISSUE 2 2009
Welcome to the 2009 Spring
edition of the Emerson Quarterly!
Welcome to the 2009 spring edition of the
Emerson Quarterly. In this edition you will read
about our new enhancements: the Elements of
Emerson section, our New Products Showcase
and The Emerson Supplement.
In addition to new sections of the quarterly we
added new features to emersonecolgics.com
including our Auto Delivery program. There are
two ways to set up an order: through the custom
order form or by selectingan order from your
order history. You can have the same shipment
sent you to or your patients time and tie again;
weekly, or every 15, 30, 60, or 90 days. To start
using auto delivery log-into our website, click on
the products store and select auto delivery.
Discover some of the newest products
available at Emerson Ecologics with our New
Products Showcase. New products include
FemmenessenceProTM
from Natural Health
International, CardioShen®
Tea from Honso®
and Heartburn TX from Vital Nutrients.View
additional new products on page 30 and
throughout the Emerson Quarterly.
Emerson offers educational emails such as the
Clinical Research Email Update, theWomen’s
Health Email Update and now available the
Elements of Emerson email. Look inside for an
excerpt of this monthly email keeping you up to
date with ourAcupuncture and Oriental
Medicine products. Sign up before June 10th
to receive a special offer with the premier
email.Visit emersonecologics.com, login
and click the “Sign Up for Email Updates”
box provided.
The Emerson Update interview features
Heel, the largest manufacturer of combination
homeopathic medicines in the world. In the
interview you will learn the benefits of using
combination homeopathics and how their
products integrate with other herbs and
supplements available at Emerson.
If you have any questions about Heel or any
of the over 16,000 products we carry at
Emerson Ecologics, our in-house Naturopathic
Doctors are available to assist you. Simply
call 1.800.654.4432 and ask to speak with
Professional Services.
To order any of the products featured in
this Emerson Quarterly or any of the over
16,000 products we distribute visit us online at
emersonecologics.com or call our customer
service team in Bedford, NH at 1.800.654.4432
or Redlands, CA at 1.800.824.2434.
Everyone at Emerson Ecologics wishes you
a successful Spring Season.
quarterly
SOLUTIONS FOR
Optimal Patient Health
Key Code: EELQ19
7 Commerce Drive
Bedford, New Hampshire 03110
WEBINARWednesdays
E M E R S O N E C O L O G I C S’
W
Emerson will now be offering webinars
through our online Health & Resource
Center. Webinars will launch the third
Wednesday of each month and will provide
presentations on Product Knowledge, Research,
and Continuing Education topics. Once webinars are posted you will then
have the ability to log in, listen & view them 24/7 directly from www.emersonecologics.com
C
©2009. All Rights Reserved.
Direct Mail
Brochure Design
Trade Advertising
Logo Design
Catalog Design & production
Newsletter Design & production
Web banners
EMERSON
Key Code: NHIV01
www.emersonecologics.com
800.654.4432
ESSENTIALS
Emerson Ecologics is pleased
to feature FemmenessencePRO™
and RevolutionPro by Natural
Health International™
in this
edition of the Emerson Essentials.
M A R C H 2 0 1 0
F E A T U R E D V E N D O R
Natural Health
International™
EMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SONEMER SON
A professional publication from
EE_BS Mailer#3_Multi_030408:Layout 1 3/4/08 3:32 PM Page 1
Women’s Health E-mail Update
Specifically focused on women’s health issues,
the Emerson Women’s Health E-mail Update
is distributed monthly. Exclusively for Emerson
Ecologics, Tori Hudson, ND reviews a topic
related to women’s health and offers in depth
analysis and commentary. Sign up to receive
Women’s Health E-mail Updates at
www.emersonecologics.com.
Clinical Research E-mail Update
Every month leading authorities Alan Gaby, MD
and Steve Austin, ND select, review, summarize
and comment on the latest published clinical
studies. Every update contains several clinical
research reviews that are abstracted by the
doctors and includes commentary on
SUPPORT
The Emerson
Express
each study’s clinical relevance. These monthly
research reviews are provided directly to you
through our Clinical Research E-mail Update.
Visit our newly re-designed website at
www.emersonecologics.com to sign up and
access hundreds of previous studies
The Emerson Supplement
Weekly, Emerson Ecologics sends out
The Emerson Supplement E-mail to help
keep you informed and up-to date with
valuable information regarding new products
we distribute, special offers available and
upcoming professional seminars. Please
visit our newly re-designed website at
www.emersonecologics.com to sign up today!
Once you register, Emerson will provide you with monthly reviews, reports, research and
up-to-date clinical studies as well as product information. Available through email, on our
web site, and through printed media, we make available a variety of information to our
registered professionals.
Emerson Quarterly Newsletter
Once a quarter, Emerson Ecologics sends out
a Newsletter. In each edition you will discover
some of the newest products available at
Emerson Ecologics. As always, we also provide
you with a selection of research articles and
product samples available upon request.
Inside you will find the Emerson Update
Interview. This interview highlights a different
manufacturer each quarter and provides you
with detailed information about their products,
quality standards and much more.
Best Sellers Mailing
Monthly Emerson Ecologics features our best
selling and unique products within a category
for you. Each mailing highlights five individual
products providing you specific product
information.
Emerson Essentials
Each monthly issue of Emerson Essentials
features an in depth look at a manufacturer we
distribute; bringing the information you need
right to your door. Inside you will learn more
about the high quality products from one of
our manufacturers and their products which
have been developed exclusively for today’s
integrative healthcare professional.
14 15
SOLUTIONS FOR Optimal Patient Health
It just makes sense to order from Emerson,
we have everything you need all located in one
place – high quality product selection, ordering
methods, education, research, technical
support and more. Emerson offers everything
for Integrative Healthcare Practitioners to help
you focus on your patients. All in one place, all
from one source, getting everything you need
for your patients’ optimal health.
Emerson Ecologics is your one stop shop
for quality products, education, research,
tools and support for your practice. Emerson
Ecologics adds new products monthly, as well
as new manufacturers throughout the year.
These new manufacturers go through our
internal review process to verify their quality,
safety and regulatory compliance; to ensure
you have the best selection of products
available for your patients’ health.
All products are offered at the same price
as the manufacturers. By placing one order
from one source you save yourself both time
and money.
We not only provide the widest product
selection in the industry, we are also proud
to offer you a multitude of clinical tools
including, product research, our exclusive
clinical and women’s health email updates,
patient handouts, and access to the National
Library of Medicine, Healthnotes®
Newswire,
Herbal Gram, the Journal of the American
Botanical Council, educational seminars
and much more.
We don’t stop there.
In addition to all of our clinical tools, we have
in-house doctors trained in Naturopathy,
Acupuncture/Oriental Medicine and
Nutrition here to help you. Our doctors are
experts on the selection of products we
distribute and are here to help answer your
product questions. Just one more way we
demonstrate our commitment to providing
you with the research and support
you deserve.
Over 14,000 products from over 200 manufacturers
One call, one order
Saves you Time and Money
All the services you need and products you can trust
Technical support from our in-house doctors
Research at your fingertips at
W W W. E M E R S O N E C O L O G I C S . C O M
4 5

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
1-888-860-8009 ¥ www.SENSIBUILT.com
You say you want a revolution.
Would you like that in color?
Exclusive Color Hold Warranty.
The decking industry’s only Color Hold Warranty against fading and chalking. Unmatched
color retention – the color you choose will be the color you enjoy for many years to come.
Superior Stain Resistance.
Normal outdoor living spills don’t even get a chance to become stains. They just wipe clean.
Work Little, Play Big.
Spend time enjoying your deck, not maintaining it.
They’re more than samples.
They’re a look into your future.
MADE IN USA
Visit www.SENSIBUILT.com or call 1-888-860-8009
to locate a Sensibuilt dealer near you.
It’s more than an evolution.
It’s a revolution.
SensibuiltBuildingSolutions
POBox746
Bloomfield,CT06002
Seehowgoodyournextdeckcouldlook–
now,andyearsfromnow.
The Sensibuilt
Limited Lifetime
Performance
Warranty.
The best warranty
you’ll probably
never need.
At Sensibuilt, we’re so confident in our decking
we’ve backed it with our Limited Lifetime
Performance Warranty — one of the best in the
industry, which also includes the decking industry’s
only Color Hold Warranty against fading and
chalking. Unmatched color retention — the color
you choose will be the color you enjoy for many
years to come.
Performance and
Good Looks
• Rich, bold Lumenite colors backed by an
industry exclusive Color Hold Warranty
• Superior stain resistance, thanks to the
impermeable Lumenite surface
• Highly scratch and abrasion resistant surface
• Ultra-low maintenance saves you time and
reduces ownership costs
• Unmatched mold, mildew and rot resistance
• “Chalk-free” performance even after years
in the sun
• The Lumenite surface is infrared reflective,
so decking stays cooler underfoot
• Easy, environmentally-friendly cleaning
and maintenance
• Class-A Flame Spread Rating
Work Little,
Play Big
Everything in life should be this low maintenance.
Sensibuilt’s patented Lumenite surface never
needs staining or treatment. Sensibuilt contains
absolutely no food sources to sustain mold or
mildew. Airborne spores penetrate wood and
composites where they can bloom repeatedly,
but with Sensibuilt, spores never get the chance
to take hold. And Sensibuilt resists stains unlike
anything in the industry today, so it never needs
power washing or harsh chemical cleaning. Just
hose it down, kick back and relax. You’re free.
Mocha Driftwood Redwood Cedar
Colors and finishes may vary from shown. Please use product samples for color selection. Sensibuilt Decking Competitor Decking
Outdoor living spill? Simply hose it down.
True Colors
Everything under the sun
fades. It’s an eternal rule of
nature. But with Sensibuilt Decking,
we’ve changed the rules. Unlike other PVC products,
Sensibuilt shows virtually no fading or discoloration
after 10 years in the sun. Lab tests prove it – our
Lumenite™
powered surface holds its color at least
three times longer than the next leading
product. And if you need more proof,
you’ll find it in our exclusive
warranty against fading
and discoloration.
Color hold technology that
protects like no other.
Lumenite™. NotFadeAway.
TM
lumenite
3.53.5 3.4375 3.373
PO Box 746
Bloomfield, CT 06002
Distributed by:
Designed exclusively for Sensibuilt, the Deck Pilot
(patent-pending) is the fastest and simplest hidden
fastener system on the market today. No clips to buy
or drop, just simple screw fasteners for a sleek, clean
finished look, fast. Available only with Sensibuilt.
Contact your local Sensibuilt dealer for more information.
Easy Installation
Sensibuilt Decking outperforms current decking
materials, yet is installed with the same skills and
tools as natural wood. Easy installation is just
another benefit with Sensibuilt.
• Inherently dimensionally stable planks
mean no board warping or cupping when
properly installed
• Boards are lighter-weight for easier handling
and installation
• The Deck Pilot™ hidden fastening system
delivers the best-looking finish on the market,
in a fraction of the time
• Virtually no temperature-related expansion or
contraction when fastened with the Deck Pilot
system or traditional screws
• No need for pre-drilling, and will not “mushroom”
The Environment
Gets To Take it
Easy, Too
A better deck shouldn’t be at odds with
environmental sustainability. Sensibuilt
Decking was designed to provide both:
• Sensibuilt Decking has a very long
lifecycle as compared to traditional
wood decks
• Sensibuilt Decking emits no harmful
chemicals into the environment and
requires no harsh chemicals for cleaning,
sealing, or treatment
• Sensibuilt is completely recyclable at the
end of its exceptionally long service life
• Absolutely no trees were cut down
to make your decking
© 2008, Sensibuilt Building Solutions. All Rights Reserved.MADE IN USA
The Science of
Sensibuilt
At Sensibuilt, we look at building materials differently.
Our R&D team uses hard science to develop products
that will outperform and outlast current materials.
We design with the toughest customer
needs in mind, and then test under the
most demanding conditions. Along
the way, we’ve developed some
impressive technologies.
Our scientists were
the first to introduce
solid-core, cellular vinyl
technology to decking.
Now we’re the first to bring
Lumenite surface technology
to decking for the highest
performing decks available.
For us, it’s just another day
of delivering more of everything
you want in a deck.
Decking that
shows its
true colors.
3.53.53.43753.373
cover
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Logo Design

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
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Diversified Wire & Cable
6250 15 Mile Road
Sterling Heights, MI 48312
866.392.9473
www.dw-c.com
Scope Out the Ride
Official Contest Rules
and Entry Form
Sponsored by:
First Name
Last Name
Company Name
Street Address 1
Street Address 2
City
State Zip
Phone
e-mail address
Official Entry fOrm
Enter at ridediversified.com
Official contest rules
How To Enter
To enter the “Scope OutThe Ride – Harley Bike Giveaway”,
log on to ridediversified.com to register and receive
updates about all our prizes, as well as complete contest
details. You can also stop in at Diversified and fill out
an official entry form between November 1, 2008 and
March 31, 2009. Complete the form and we’ll enter you
into the promotion.
Every $500 in purchases of CommScope products will
qualify you for one entry ticket into the monthly giveaway
drawings. Entrants whose purchases exceed $25,000
over the duration of the promotion will be eligible for
entry in the drawing for our Grand Prize.
Each new customer who opens an account with Diversified
during the promotional period will receive double entry
tickets on their initial order of CommScope product.
All purchases must be completed by 5:00 pm, Eastern
Standard Time, March 31, 2009.
Prizes
Grand Prize: One (1) Grand Prize to be awarded – a 2008
Harley-Davidson Sportster.
monthly Prizes: A selection of monthly prizes will be
detailed on the promotional website.
Eligibility
Participants must be licensed drivers, eighteen (18) years
of age or older, with proof of license and age required.
CommScope and CommScope retailer or distributor
employees and their immediate family members (an
immediate family member of an employee is a spouse,
child, parent, or sibling of that person) are not eligible to
participate. This promotion is void where prohibited or
restricted by law.
Selection of the Ten Finalists
Ten (10) finalists will be selected by random drawing from
among the total number of eligible entries received. Only
one finalist per individual company is allowed, all other
entries from that company are void. The finalists will be
notified by phone following the drawing, which will take
place on or around April 15, 2009. At the time that each
Finalist receives official status, he or she will be notified
of the time and location of the Grand Prize Giveaway Event
that will be held on or about May 8, 2009. Winners are
responsible for all transportation costs associated with
the Grand Prize Giveaway Event.
Selection of the
Grand Prize Winner
A total of one (1) Grand Prize will be awarded to one of
the Finalists who are present at the Grand Prize Giveaway
Event. Each of the Finalists who are present at the Grand
Prize Giveaway Event will receive a Harley-Davidson
motorcycle key. Each finalist will be asked to insert
their key into the Harley-Davidson Sportster motorcycle,
and holder of the key that starts the motorcycle will be
awarded the Grand Prize.
Monthly Prizes
A total of one (1) prize will be awarded every month,
selected by random drawing from eligible entries
received over that period. The winner of the drawing
will be notified by phone. Prizes will be detailed on the
promotional website.
Taxes and Fees
All federal, state and local taxes, along with all licensing
and other fees associated with any prize are the sole
responsibility of each individual winner and must be
paid for by the individual winner.
Miscellaneous Terms
Harley-Davidson Motor Company is not endorsing,
sponsoring, or otherwise affiliated with this promotion.
Unclaimed prizes (if any) will not be awarded and remain
the property of the sponsor. Sponsor is not responsible
if any prize awarded becomes unavailable due to reasons
beyond the Sponsor’s control. Winners acknowledge
and agree that as a condition of winning Sponsor has
the right to use his or her name and/or voice or likeness
for advertising and/or promotion, without further
approval or consideration (except where prohibited). By
participatinginthispromotion,entrantsagreetoabideby
these Official Contest Rules and terms. Winners release
and hold harmless CommScope, CommScope retailers
and wholesalers, Harley-Davidson, and their respective
member, parent, affiliated or related companies and
their respective advertising and promotional companies
and the officers, directors, agents, representatives, and
employees of each of these companies from any and all
liability and/or claims arising out of the award, use or
misuse of any prize, or while preparing for, participating
in, or traveling to or from any prize-related activity or
any typographical error in these Official Rules or the
announcement of offering of any prize.
Log on to ridediversified.com to register today!

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
70TirrellHillRoad,Bedford,NH03110
Phone:(603)644-1247•Fax:(603)644-0393
Email:info@mcclellanautomation.com
TheWorldiscoming
toMcClellan.Abetteroverallmanufacturing
solution,andamoreprofitable
businessforyou.
Plus,McClellankeepsyouinvolved
intheprocessthroughregularcontactand
throughourconfidentialon-lineCustomerInfoCenter,with:
•Twoweeklook-aheads
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•Scheduleandbudgetstatus
WhenMcClellansolvesyourcustom
automationproblem,wesolveyourentire
problem.Design,manufacturing,process
goals,andreturnoninvestment.The
completescopeofbusinessissuesyouface.
Why?
INDUSTRIESSERVED:medicaldevice,biotechnology,pharmaceutical,
diagnostic,andregulatedindustries
CAPABILITIES:rotaryandlinearhandlers,fluidics,sensors,andvision
SCOPE:highvolumeproductionequipmentandprocesses,
plusprototypeandsemi-automatedmanufacturingsystems
Sound
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Itis.
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DIrect Mail

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
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ADVERTISING
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TRADE SHOW GRAPHICS
Product Sheets and White Papers
231 Shaker Street, PO Box 70, North Sutton, NH 03260
Phone: 603-927-4266 • Fax: 603-927-4694
Email: labsphere@labsphere.com • www.labsphere.com
Benefits of a Sphere
Monitor Photometer
φ
θ Eφ
E0
E0
= πL sin2
θ
Eφ
≈ E0 cos4
φ
Economical solution
for basic monitoring
Compact, self-contained design
Fits standard Labsphere
modular port frame
Specifications
Model Number SM-050-P
Order Number AA-00000-000
Measurement Luminance
Measurement Units Nits (candela/m2
)
Measurement Range 70 to 70,000 nit
Accuracies
Display ±10%
f1' Photopic Correction 4.0%
U, UV Response 0.1%
R, IR Response 0.1%
F3 Non Linearity 0.5%
F4 Readout Error 0.1%
F5 Fatigue 0.5%
Range Selection Auto Range
Detector Photopic; Filtered Silicon
Readout 4-Digit, 2x8 LCD
Calibration NIST Traceable
Mounting Port Diameter 0.5 inch (1.27 cm)
Size 2.5 W x 8.0 H x 3.875 L inches
(6.4 W x 2.0 H x 9.8 L cm)
Weight 0.252 lbs (0.115 kg)
Temperature Range 10 to 40 C
Compliance CE
Luminous Flux*
(lumens)
Sphere Diameter Min Max
2 inch 0.2 2000
3 inch 0.4 4000
4 inch 0.7 7000
6 inch 1.0 10000
* Typical performance of given sphere-detector combination, assuming a
Spectraflect®
-coated sphere with three open or non-reflective ports.
Inexpensive and user-friendly, the SM-050-P is a powerful
photometer that fits in your hand.
Spectraflect is a registered trademark of Labsphere, Inc.
A P P L I C A T I O N S
• Camera Sensitivity Normalization
• Uniform Source Monitor
• Lamp Measurement
F E A T U R E S
• NIST Traceable Calibration
• Spectral Correction
• Auto Ranging
• Auto Zero
• Ratio
• Display/Hold Function
• Automatic Switch Off
• 4-Digit LCD Display
• 1/2-Inch Port Frame Mount
• 9V DC Power Supply
SM-050-P
Sphere Monitor Photometer
The SM-050-P Sphere Monitor Photometer
is an easy-to-use, low-cost photometric
instrument designed for use with Labsphere's
new generation of modular integrating
spheres.The instrument is designed to monitor
the luminance of the sphere wall, and is
calibrated in combination with a particular
sphere in order to provide measurements
of luminance, illuminance, or luminous flux.
The SM-050-P consists of a photopically
filtered silicon detector and an integrated
radiometer, all within a compact, lightweight
enclosure.A built-in microprocessor performs
multiple functions at the touch of a button.The
instrument is designed for easy mounting to a
Labsphere standard modular port frame, and is
powered by an external 9V DC transformer.
Data is instantly displayed on an easy-to-read
4-digit front panel LCD display. Simple push
button controls are easily accessible and clearly
labeled on the front panel.The instrument is
calibrated to display luminance values in nits
(candela/m2
), illuminance in lumens/m2
, or
luminous flux in lumens, with a photometric
range spanning five full decades.A calibration
certificate is included, with calibration
traceable to the National Institute of Standards
and Technology (NIST).
SM-050-P Relative Spectral Responsivity: Firmware permits entry of correction
factors for narrowband light sources

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
www.feinfocus.com
AIM Technology
(Auto Isocentric Motion)
• 360° x 60° Imaging
• ROI (Region of Interest)
constantly in field of
view at any magnification
• Highest magnification with
true anti-collision
FGUI (FEINFOCUS Graphical
User Interface) Version 2.2
• Single-button AVI recording
• Automatic solder joint
inspection
• User-friendly visual basic
programing language
TXI Control
(True X-ray Intensity)
• Immediate and steady X-ray
after autostart
• Long-term stability of X-ray
intensity
• Constant image contrast
and brightness
• Repeatable and reproducible
X-ray images
TIGER X-Ray
Inspection System
With TXI Control
Without TXI With TXI
E vedrai
FEINFOCUS
Guarda dentro la maggior
parte dei sistemi a raggi X
Perché siamo i pionieri dell'ispezione a
raggi X microfocali e nanofocali ad elevata
risoluzione, e continuiamo ad essere il
punto di riferimento dell'industria con:
• Riconoscimento di dettagli fino
a 300 nanometri
• Tubo multifocale (3 in 1) integrato
• Controllo TXI (True X-ray Intensity)
Per ispezioni a raggi X 2D/3D di BGA,
interconnessioni ad alta densità, ibridi
e componenti incapsulati, troverete il
nostro nome dappertutto.
FEINFOCUS Global Headquarters
Im Bahlbrink 11-13
D-30827 Garbsen, Germany
+49-5131-70980
MCF s.r.l.
Via Roma 3
28060 Sozzago (NO), Italy
Phone: +39-0321-700008
Fax: + 39-0321-700010
www.mcfgroup.com
E-mail: mcf@mcfgroup.com
www.feinfocus.com

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
Tube Head Designs
• Transmission Head: for highest magnifications
• Directional Head: for high-power applications
• Scanning Tube: for specific 3D applications
Open Tube Features
• Unlimited lifetime due to open tube design
• Minimum focus-to-object distance (FOD) for
highest magnifications
• Automated system startup and tube conditioning
• Long-term intensity and focus position stability
• Easy target and filament replacement
• Filament lifetime extension
• Intelligent controller software
Tube Types
Microfocus: ideal for feature sizes in the
micrometer range
Nanofocus: ideal for feature sizes of < 1 µm;
operates in the low kV range for the highest
magnifications
High-power: provides increased electron
concentration for the inspection needs
of denser samples
Multifocus: provides all three modes of operation
(microfocus, nanofocus, and high-power)
M I C R O F O C U S
X - R A Y T U B E S
FEINFOCUS is the unrivaled pioneer in X-ray tube development, being the first to develop and
patent a commercially viable open microfocus X-ray tube with a focal spot of < 5 µm. Since then,
FEINFOCUS has been in the forefront of product innovation in X-ray inspection.
Global Headquarters
FEINFOCUS
Im Bahlbrink 11-13
D-30827 Garbsen, Germany
Phone: +49-5131-70980
Fax: +49-5131-709880
The Americas
FEINFOCUS
76 Progress Drive
Stamford, CT 06902 USA
Phone: +1 203-969-2161
Fax: +1 203-969-2162
Internet: www.feinfocus.com
E-mail: info@feinfocus.com
FEINFOCUS toll free
24-Hour Customer Service Hotline:
++800-7098-2000
E-mail: service@feinfocus.com
F E I N F O C U S
An ISO-certified company, FEINFOCUS is an award-winning
global leader in high-resolution X-ray inspection systems and
tubes. Pioneers of microfocus, nanofocus, and multifocus X-ray
inspection technology, the company developed the first patented
open X-ray tube in 1982. Mr. Alfred Reinhold, who was
instrumental in this research and is a respected member of the
X-ray community, is a managing director. FEINFOCUS offers
X-ray sources and radiation-shielded X-ray equipment, as
well as full in-house services, such as failure analysis and
component defect detection. The company also provides
enhanced on-site customer training and system demonstrations,
and is renowned for its global commitment to customer support.
FEINFOCUS is one of the leading international manufacturers
of X-ray inspection equipment, counting over 2,000 system
installations worldwide. The company constantly strives
towards technological advancements, designing powerful, high-
resolution X-ray inspection systems to accommodate growing
market demands. Since 1992, it has enjoyed an export rate
of 90%. In 2000, FEINFOCUS was certified according to
DIN EN ISO 9001. The company has a workforce of approximately
60 employees worldwide.
X - R A Y I N S P E C T I O N
T E C H N O L O G Y
Non-Destructive Testing
PCB Assembly
Semiconductor Packaging
Optoelectronics
Medical Device
MEMS/MOEMS
FEINFOCUS Open X-Ray Tube Design
EINFOCUS FXE X-ray inspection products
consist of a demountable X-ray tube assembly,
vacuum unit, and high-power generator. The
required maximum magnification, sample size, and
material to be inspected determine the radiation
head (transmission or directional) and radiation
power employed. FEINFOCUS tubes are offered
with a wide power range (kV) and with up to
999 programmable focal spot positions.
X-ray radiation is generated within the X-ray target.
FEINFOCUS offers two types of targets: directional
targets, which consist of one material, usually solid
tungsten, and transmission targets, which consist of
two layers of different materials, usually a thin tung-
sten layer sputtered onto a backing material or layer.
Focal spot is a key factor in determining image
resolution of the X-ray tube as well as the overall
quality of the X-ray image. As the focal spot decreases
in size, resolution and the ability to detect detail
are improved — enabling geometric or projection
magnification without peripheral shadowing.
Relationship of focal
spot dimension
and geometrical
unsharpness
FEINFOCUS X-ray tube
FEINFOCUS
Global
Headquarters
F
© 2004 FEINFOCUS SUBJECT TO CHANGE WITHOUT NOTICE
The manipulator provides high-precision x-y-z
positioning and rotating/tilting of samples.
Requirements range from quick overview searches
at low magnification to very low speeds at high
magnification. FEINFOCUS utilizes the highest
precision manipulators allowing speeds from
a few micrometers per second to several millimeters
per second.
Realtime X-ray imaging detector processes
data of X-ray waves in realtime into an image
of light visible to the human eye or by electronic
vision systems. Due to the modular design
of FEINFOCUS systems, various imaging chains can
easily be integrated according to the most current
technology standards and customer requirements –
image intensifiers, cameras as well as direct digital
detectors (CMOS, aSi, aSe, CdTe, etc.).
Microfocus X-ray Inspection Systems
icrofocus X-ray systems feature focal
spot sizes down to 1 µm. They consist
of the highest quality open X-ray source,
sophisticated fixturing for securing and manipulating
the sample, and X-ray imaging detector technology.
In addition, they provide all the relevant data for
process improvement and statistical process control.
Open X-ray tube is used in high-resolution
applications and consists of a stainless steel tube
that can be opened anytime for cleaning and
maintenance. It provides a spatial resolution
of < 1 µm, with geometrical magnifications of as
much as several thousand times. FEINFOCUS has
been the expert in tube technology for over
20 years and continues to establish new
benchmarks for X-ray performance and set
new industry standards.
X - R A Y I N S P E C T I O N
T E C H N O L O G Y
FEINFOCUS is dedicated to providing manufacturers with industry-leading
X-ray inspection systems and tubes to meet the increasing demands
of miniaturization, high throughput, and quality assurance.
Look Inside
Most X-Ray Systems...
And You See FEINFOCUS
FEINFOCUS
Nanofocus X-Ray Inspection
he focal spot of a nanofocus X-ray tube
measures less than 1 µm in diameter, which
enables the level of detail and resolution
needed for the inspection of ultra-small features
and certain low-density structures common in many
of today’s applications.
Nanofocus X-ray technology is the integration of the
most advanced tube technology and sophisticated
software for controlling total X-ray performance,
such as short- and long-term stability, image
contrast, image brightness, and amount of radiation.
As a result, the development of nanofocus X-ray
technology has lead to inspection systems that allow
for a more controlled electron emission, resulting
in fewer aberrations and, ultimately, in cleaner,
sharper images.
Nanofocus X-ray inspection systems are particularly
suited for applications consisting of sub-micron
components, circuitry, and assemblies, such as those
found not only with MEMS and MOEMs, but also
with wafer-level semiconductor packaging.
This technology, however, is also extremely useful in
detecting slight differences in density of the thermal
adhesive that holds a microchip in place. In addition,
Oblique Viewing
Oblique viewing allows the user to inspect a wide
variety of structures that are indiscernible with con-
ventional 2D top-down X-ray approaches. AIM tech-
nology keeps the region of interest (the area being
X-rayed) continuously within the field of view as the
image detector is rotated around the sample, thus
providing a steady realtime glimpse into the third
dimension. AIM is a proprietary FEINFOCUS design
development specific to the TIGER X-ray system.
True X-Ray Intensity Control
True X-Ray Intensity (TXI) Control provides 100%
consistency in X-ray images by controlling the actual
output of the X-ray intensity. TXI provides immediate
and steady X-ray intensity after auto-start, long-term
stability of X-ray intensity (operator to operator
and system to system), and constant contrast and
brightness for recurring inspections.
FEINFOCUS offers a
complete line of X-ray
inspection platforms, from
high productivity systems
to analytical tools.
TIGER
Ideal for inspecting planar devices, such as printed circuit
boards (PCBs) in electronics assembly. An adjustable
ergonomic console and self-teach software make the TIGER
easy to operate and, thus, best-suited for production
environments. System allows for 60° tilt and 360° rotation
of the image detector for complete angle viewing at highest
magnification. Proprietary Auto Isocentric Motion (AIM)
Technology keeps the region of interest continually within
the field of view.
FOX
The industry’s first nanofocus X-ray inspection system with
sub-micron defect detection, the FOX is ideal for ultra-high
magnification analysis. Available with a multifocus tube with
three (3) modes of operation: microfocus, nanofocus, and
high-power. Focal spot size is < 1 µm; geometric magnification
is up to 2400x. Three specialized configurations of the FOX
system are available: µCT-FOX, WBI-FOX, and DDD-FOX.
In addition to TIGER and FOX systems, the well-established
20 and 30 system series are ideal for electronics production
and lab environments, while series 50 and 70 are in broad
use in automotive and metal working industries. The µ-3D
Visualiser provides valuable 2D and 3D insights into overlying
structures in planar electronic components.
Nanofocus has a focal spot of less than 1 µm in
diameter, which enables the level of detail and
resolution needed for the inspection of ultra-small
features and certain low-density structures
common in many of today’s applications. X-Ray Systems
FEINFOCUS Graphical User
Interface (FGUI) makes system
operation fast, easy, and
efficient – enhancing operator
effectiveness.
Microfocus, Nanofocus, and High-Power X-ray images
MOEMS X-ray image MEMS X-ray image
BGA X-ray image using
AIM technology
X-ray images without TXI X-ray images with TXI
Non-Destructive Testing PCB Assembly Semiconductor Packaging Optoelectronics Medical Device MEMS/MOEMS
Tube HeadTube Head Detector
Detector Detector Tube Head
Sample
X-Rays
Sample
X-Rays
Three different ways to achieve oblique viewing
M
T
it is required to verify the amount of silver particles
in electrically conductive adhesives, ensuring that the
material is homogeneous, and loaded with sufficient
particles to achieve the desired conductivity.
With a focal spot < 1 µm, nanofocus X-ray inspection
can also detect sub-micron cracks and flaws in silicon
packaging and fine bonding wires (< 25 µm), as well
as solder "whiskers" that might otherwise be invisible
to a normal X-ray inspection system.

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
G R A P H I C D E S I G N
I L L U S T R AT I O N
C O L L AT E R A L
PAC K AG I N G
L O G O S / I D E N T I T Y
A D V E RT I S I N G
C ATA L O G
7 9 S p e n c e r K n o w l e s
R o w l e y, M A 0 1 9 6 9
( 9 7 8 ) 9 4 8 - 7 6 9 9
f a x ( 9 7 8 ) 9 4 8 - 7 7 2 9
b e n i n a t i d e s i g n @ c o m c a s t . n e t
© 2 0 0 4 S H E I L A B E N I N A T I
CLIENT: CREATE-A-STIR
IDENTITY
PACKAGING
PHOTOSHOP & ILLUSTRATOR
CA
FFEINE FR
EE
CA
FFEI N E F R
EE
W
here You Make Sens
e
Create-a-Stir’s “Reason for Being”
At Create-a-Stir™, we want to heighten your enjoyment of everyday
life, every day. That’s why we offer you fabulous flavors, stimulating
scents, arrays of colors and multitudes of shapes and sizes… to stir
your creative senses! From our carefully selected, tasteful teas to our
unique custom candles and gifts, Create-A-Stir helps you go with the
flow of your day…and “enjoy the moment” along the way.
Let’s face it…times change, moods change, even people
change…and only you can make sense of it. So stir up some fun,
some excitement, even some passion if you feel the urge. Because
only you know how to create-a-stir that’s just right for you!
Visit us at www.create-a-stir.com
Create-A-Stir, Inc.
Newburyport, MA 01950
1-978-499-STIR
BREWING INSTRUCTIONS:
1. Place one tea bag into a quart container;
2. Boil a cup of water and pour over tea bag in container;
3. Steep for 15 minutes and then fill with 3 cups of cold water;
4. Remove tea bag and gently squeeze it over the container;
5. Garnish with an orange slice, a chocolate bar and a high-five!
All teas mixed and packaged for Create-A-Stir by
Harney & Sons, 5723 Route 22, Millerton, NY 12546. 10 - Quart
Tea Bags
Fresh Brew
Iced Tea
Red Rover,
Red Rover
2 OZ.
Raspberry
Herbal Tea
The
Sense-sational
Blend:
We should all have as many friends to ”call over“
as this Herbal tea has ingredients. With a blend of
hibiscus flowers, rosehip berries, apple granules,
raspberry leaves, orange & lemon peels, red poppy
flowers, spearmint & peppermint leaves, and
natural raspberry flavors, this tea is sure to please
all the kids in the neighborhood.
We hope you enjoy it with all your
senses ... and all your best
friends of course!
Spice Up
Your
Life
4 OZ.
(Hot Cinnamon Spice)
The Blend:
Black teas, three types of cinnamon,
orange peel and sweet cloves
The Sense Appeal:
Invigorating & assertive
Making Sense of Tea
To help you decide what tea is just right for you,
Create-a-Stir has developed the Sense-o-meter.
Here’s the key to using it…
Pucker Power ~ Does the tea grab your mouth?
Bodily Charm ~ Will the tea fill your mouth…feel
heavy on your palette?
Scent-sation ~ Does the tea have a robust aroma?
Pucker Power
Bodily Charm
Scent-sation
BREWING TIPS:
Good tea starts with good water…so always use chlorine-free
and sulpher-free water when you are brewing your favorite teas.
Black Teas, Black Flavored Teas, Herbal & Fruit Teas
Place a teaspoon of tea per desired cup into a teapot and pour boiling
water over the tea. Brew for 4-5 minutes. Strain and remove tea leaves.
For brewing one cup at a time, try an infuser. Fill it with one teaspoon
of tea and rest it in your cup. Pour the boiling water over it into the cup
and let brew 4-5 minutes. Remove the infuser with the tea leaves in it,
discard the contents and you are ready to go.
Green Teas and White Teas
Use less hot water and brew time. Place a teaspoon of tea per desired
cup into the teapot and pour less than boiling water (180°) over the
tea. Brew for 3 minutes if your Green tea is Chinese, 1 minute if it is
Japanese. Strain & remove the tea leaves.
...and enjoy with all your senses!
Harney & Sons, 5723 Route 22, Millerton, NY 12546.
Rating: 0 1 2 3 4 5 (highest)
At Create-a-Stir™, we want to heighten your enjoyment of
everyday life, every day. That’s why we offer you fabulous
flavors, stimulating scents, arrays of colors and multitudes
of shapes and sizes… to stir your creative senses! From our
carefully selected, tasteful teas to our unique custom
candles and gifts, Create-A-Stir helps you go with the flow
of your day…and “enjoy the moment” along the way.
change…and only you can make sense of it. So stir up
some fun, some excitement, even some passion if you feel
the urge. Because only you know how to create-a-stir that’s
just right for you!
Create-A-Stir, Inc.
1-978-499-STIR
Masterfully
Blended
Black
Tea
W
here You Make Sens
e
Making Sense of Tea
To help you decide what tea is just right for you,
Create-a-Stir has developed the Sense-o-meter.
Here’s the key to using it…
Pucker Power ~ Does the tea grab your mouth?
Bodily Charm ~ Will the tea fill your mouth…feel
heavy on your palette?
Scent-sation ~ Does the tea have a robust aroma?
Pucker Power
Bodily Charm
Scent-sation
BREWING TIPS:
Good tea starts with good water…so always use chlorine-free
and sulpher-free water when you are brewing your favorite teas.
Black Teas, Black Flavored Teas, Herbal & Fruit Teas
Place a teaspoon of tea per desired cup into a teapot and pour boiling
water over the tea. Brew for 4-5 minutes. Strain and remove tea leaves.
For brewing one cup at a time, try an infuser. Fill it with one teaspoon
of tea and rest it in your cup. Pour the boiling water over it into the cup
and let brew 4-5 minutes. Remove the infuser with the tea leaves in it,
discard the contents and you are ready to go.
Green Teas and White Teas
Use less hot water and brew time. Place a teaspoon of tea per desired
cup into the teapot and pour less than boiling water (180°) over the
tea. Brew for 3 minutes if your Green tea is Chinese, 1 minute if it is
Japanese. Strain & remove the tea leaves.
...and enjoy with all your senses!
Harney & Sons, 5723 Route 22, Millerton, NY 12546.
Rating: 0 1 2 3 4 5 (highest)
At Create-a-Stir™, we want to heighten your enjoyment of
everyday life, every day. That’s why we offer you fabulous
flavors, stimulating scents, arrays of colors and multitudes
of shapes and sizes… to stir your creative senses! From our
carefully selected, tasteful teas to our unique custom
candles and gifts, Create-A-Stir helps you go with the flow
of your day…and “enjoy the moment” along the way.
change…and only you can make sense of it. So stir up
some fun, some excitement, even some passion if you feel
the urge. Because only you know how to create-a-stir that’s
just right for you!
Create-A-Stir, Inc.
1-978-499-STIR
W
here You Make Sens
e
Independently
Healthy
4 OZ.
(Sencha)
The Blend:
Japanese
Green Tea
The Sense Appeal:
Guilt-free pleasure
Masterfully
Blended
Green
Tea
ake
T5
SE
C
R E T G A R D
E
N
Green tea, flowers & citrus flavors
C
R E A T E A S T IR
™
Net
Wt
.27 oz
S
e n s e - s a t i o n a l T e a s
Create-A-Stir™
Take5 tins include five
silken sachets filled with hand
picked, full-leaf, loose teas.
Create-A-S
tir, Inc. • Newburyport, MA 01950 •
1-9
78-499-STIR
Serving size:
2 cups per sachet
Press middle of tin to open;
before closing, pop center back
in place by squeezing sides.
All teas mixed & packaged for
Create-A-Stir by Harney & Sons,
5723 Route 22, Millerton, NY 12546.
Identity
Logo Design / Custom type
Packaging
ake
T5
ake
T5
ake
T5
ake
T5
BR
I
SK
W I N D Y
D
A
Y
Peppermint leaves
S
ake
T5
S N O W D A Y
M
utan W
hite tea & lemony Bergamot blen
d
S
ake
T5
SPIC
E
U P Y O U R
L
IFE
Blac
k
teas, cinnamon, orange peel & sweet cl
oves
S
CREATE A STIR ™CREATE A STIR ™CREATE A STIR ™
PMS 158 + black PMS 137 + black PMS 383 + black
PMS 258 PMS 2726 PMS 484
Net
Wt
.4 oz
Net
Wt
.27 oz
Net
Wt
.4 oz
Date: 07/13/04
CYAN 158 383 258 484 137 2726 LINE
Client:
Prepress:
Printer:
Wrap Size:
Die #:
Image:
OK as is:
NEED NEW PROOF
79 Spencer Knowles Road
w/Changes:
B&W Color Approval
CLIENT APPROVAL
Create-A-Stir 6 -2.75 diameter & 1 - 2.25 diameter
CAS Logo_71204.eps
NYLabel
NYLabel
Universal Back
One color: Black
2.25 diameter
dotted lines for die cut only
DO NOT PRINT
3 Front Tin Labels: 2 color PMS plus Line Black to overprint
3 Front Tin Labels: 1 color PMS with knock out text
R
ooibus, orange & cranberry blend
CREATE A STIR ™
D
arjeeling tea, lemon & caramel blend
SE
C
R E T G A R D
E
N
CREATE A STIR ™ CREATE A STIR ™
Net
Wt
.4 oz
Net
Wt
.4 oz
Net
Wt
.27 oz
F
A
L L F O L I A G
E
S
IN
D
I A N S U N R IS
E
S
S
Create-A-Stir™
Take5 tins include five
silken sachets filled with hand picked,
full-leaf, loose teas.
Create-A-
Stir,Inc. • Newburyport, MA 01950 • 1-97
8-499-STIR
Serving size:
2 cups per sachet
Press middle of tin to open;
before closing, pop center back
in place by squeezing sides.
All teas mixed & packaged for
Create-A-Stir by Harney & Sons,
5723 Route 22, Millerton, NY 12546.
ake
T5
ake
T5
ake
T5
ake
T5
BR
I
SK
W I N D Y
D
A
Y
Peppermint leaves
S
ake
T5
S N O W D A Y
M
utan W
hite tea & lemony Bergamot blen
d
S
ake
T5
SPIC
E
U P Y O U R
L
IFE
Blac
k
teas, cinnamon, orange peel & sweet cl
oves
S
CREATE A STIR ™CREATE A STIR ™CREATE A STIR ™
PMS 158 + black PMS 137 + black PMS 383 + black
PMS 258 PMS 2726 PMS 484
Net
Wt
.4 oz
Net
Wt
.27 oz
Net
Wt
.4 oz
Date: 07/13/04
CYAN 158 383 258 484 137 2726 LINE
Client:
Prepress:
Printer:
Colors:
Wrap Size:
Die #:
Image:
OK as is:
NEED NEW PROOF
1st B&W 2nd B&W
79 Spencer Knowles Road
Rowley, Massachusetts 01969
978.948.7699 3rd B&W 1st Color 2nd Color 3rd Color Other
w/Changes:
B&W Color Approval
Send to prepress house for final proof
CLIENT APPROVAL
Create-A-Stir 6 -2.75 diameter & 1 - 2.25 diameter
3- 2 color labels & 4 - one color labels
CAS Logo_71204.eps
NYLabel
NYLabel
U
O
2
d
D
3 Front Tin Labels: 2 color PMS plus Line Black to overprint
3 Front Tin Labels: 1 color PMS with knock out text
R
ooibus, orange & cranberry blend
CREATE A STIR ™
D
arjeeling tea, lemon & caramel blend
SE
C
R E T G A R D
E
N
CREATE A STIR ™ CREATE A STIR ™
Net
Wt
.4 oz
Net
Wt
.4 oz
Net
Wt
.27 oz
F
A
L L F O L I A G
E
S
IN
D
I A N S U N R IS
E
S
S
C

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
Located at The Shoppes at Hamilton Crossings
15 Walnut Road, South Hamilton, Massachusetts 01982
tel: 978.468.4660 fax: 978.468.4662
amy@hayfieldsgifts.com
www.hayfieldsgifts.com
Amy Camerlin
PROPRIETOR Gifts for Mothers Day,
Fathers Day, Gradutation,
Hostess Gifts, Weddings,
Babies, Children, Birthdays,
Graduation and more.
ç
Located at The Shoppes at Hamilton Crossings
15 Walnut Road, South Hamilton, Massachusetts 01982
tel: 978.468.4660 fax: 978.468.4662
amy@hayfieldsgifts.com
www.hayfieldsgifts.com
Amy Camerlin
PROPRIETOR
Give
withStyle, with Joy, with
Love.
15W
aln
ut
Road, South Hamilton, M
A
01982
HAY_Circle Sticker_061711.indd 1 6/17/11 12:37:39 PM
Identity
Logo Design / Custom type
Square Business Card
Store Signage
Packaging Seal

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
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PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
POP - Health & Beauty
Custom Acrylic Counter Displays
Show front and back. Inset square-up swivels.
Multiple layered acrylic. Purpose to show specialty cutting capabilities and
transparent effects.

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
by Stephen Springer
Senior Director, User Interface Design
Nuance
The Five Guiding
Principles of Phone
Service Etiquette
...or Press
Zero for
Operator
Software Packaging
Box w/CD Jewel case slip cover

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
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ADVERTISING
CATALOG
Would you like to increase productivity
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How about “speeding” call center agents’
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781 565 5000
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This certificate entitles you to:
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To redeem this certificate, reserve a date now at
www.nuance.com/lunch
or contact Patrick Donnelly at patrick.donnelly@nuance.com
or 781 565 5000
Promo Packaging
Label, Brochure & Certiﬁcate

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
M A T E R I A L T R A C K I N G F O R E L E C T R O N I C S M A N U F A C T U R I N G
Cogiscan is focused on automating material control for
electronics manufacturing. Cogiscan solutions are unique,
innovative, and based on a real-life understanding of the
electronics industry. The management team has a combined
experience of more than 40 years in semiconductor packaging,
PCB assembly, and related automation equipment.
Industry experts have clearly recognized the value of the
products and services provided by Cogiscan. With the
introduction of Moisture Sensitive Device (MSD) control,
Cogiscan was the first company ever to receive three Vision
awards in two years. Through their participation in the
IPC/JEDEC committee for MSD standards, Cogiscan has
also contributed to creating improved guidelines for the
electronics industry.
Cogiscan is dedicated to establishing a global standard for
material tracking by participating in strategic product and
market development and by offering outstanding value in
its products and services.
PROVIDE REAL-TIME VISIBILITY OF MANUFACTURING MATERIALS
IMPROVE QUALITY AND PRODUCTIVITY
REDUCE MATERIAL COST
Cogiscan, Inc.
50 De Gaspé, Suite A5
Bromont, Quebec, Canada J2L 2N8
P: 450.534.2644
F: 450.534.0092
E-mail: info@cogiscan.com
www.cogiscan.com
Cogiscan is an active
member of the JEDEC
JC-14 Committee on
Quality and Reliability
of Solid State Products.
Cogiscan offers an automated control system
that is simple-to-use and insures a very high
level of control. Automating the control of MSDs
yields significant savings in terms of quality,
productivity, and material cost, which leads to
a very straightforward financial justification.
Increased customer satisfaction and confidence
are additional benefits of our relationship
with Cogiscan.
Jean-Francois Rouleau
Engineering Manager
Solectron Corporation
Corporate Headquarters, Bromont, Quebec, Canada
Proper care and handling of MSDs can be a logistical
nightmare. This system makes J-STD-033 usable
with an easy to operate and economical system.
It reduces human error including unnecessary
bake out, which impedes component solderability
as well as bogs down the material flow.
Phil Zarrow
Columnist
Circuits Assembly Magazine
Components Assembly
Tools
Components
The Industry Standard
for MSD Control
For more information on MSDs,
consult the MSD Knowledge
Base at www.cogiscan.com.
LCU
TAGS
SOFTWARE
Flexible Material
Identification
The second element of the Cogiscan
platform is the controller to read
and write information to the tags
and to provide the user-interface
for the production operator. The
Local Control Unit (LCU) features
a built-in RF antenna such that
operators only need to scan the
materials on-the-fly as they move
them from one location to another.
The touch-screen interface will
provide all relevant instructions
and warnings, including real-time
location and status of all material
being monitored. One or more
LCUs can be installed in a stand-
alone configuration, using the RF
tags as portable databases, or they
can be networked to a central
server with a complete database
of all materials being tracked in
the factory.
The Cogiscan Platform
Cogiscan provides a simple and robust solution to automate all aspects of material
control in electronics assembly. Combining advanced identification technologies with
modular hardware and software applications, it addresses a wide range of problems
with a common infrastructure. This solution consists of three distinctive elements.
Real-Time
Material Status
Material Tracking
and Control
The third element of the Cogiscan platform is the application software used
to process the real-time material information. The user-interface is designed
with the production operator in mind. All
of the complex process verifications are
automatically performed in the background
while the operator is given simple instructions
to follow. Everything is made as simple and
robust as possible such that critical process
and quality control no longer depend on
operator skills and training level.
APPLICATIONS
Each application module addresses a specific
production challenge. The Cogiscan software is
modular and scalable with an open architecture for easy integration. Each LCU
can host multiple application modules through the same user-interface.
Moisture Sensitive Device (MSD) Control:
This is widely recognized as the most critical material tracking application,
since it has a direct impact on the reliability of the finished product.
Cogiscan offers the only comprehensive system that provides real-time
tracking of all MSDs, from the time they are removed from their protective
dry bags, until final reflow. The Cogiscan system insures and demonstrates
that all applicable rules from the joint IPC/JEDEC J-STD-033 are being
followed in order to prevent costly field failures. The Cogiscan MSD
control system is recognized by leading electronics OEMs and CEMs
as a benchmark in material quality and process control.
Line Setup Validation:
A complete solution that speeds up product changeover and eliminates the
most common setup errors. This includes product recipe management and
the associated tooling, components, chemicals, programs, etc., for all
machine types, from the screen printer to the bake oven.
Traceability:
Keeps track of all materials, components, and operators involved in building
a specific production unit or batch.
Inventory Control:
Uses the real-time information provided by the Cogiscan platform to keep
track of the physical location of all inventory on the production floor,
including remaining quantity in partial trays, reels, and tubes.
Additional modules may be developed to address specific customer needs.
INTEGRATION
The Cogiscan platform can be seamlessly integrated with external systems to
further automate process control and eliminate redundant operations. For
example, it can be very beneficial to integrate the MSD tracking module with
an existing closed-loop feeder verification system. The Cogiscan platform is
equipment-independent and can work with any OEM and third-party smart
feeder solution.
1
3
KITTING
ROOM STENCIL PRINTER
PICK & PLACE
MACHINE
LINE
RETURNS
AREA
COGISCAN
CENTRAL SERVER
(MULTIPLE LINES)
REFLOW OVEN
Small-footprint LCU (with RF
antenna below the keyboard)
updates tags and provides
real-time information display.
2
Material tracking in the production line
requires LCUs networked throughout a factory,
collecting real-time material information through
a standard network. Each LCU can interface
directly with production equipment; as the
material is scanned in and out of each
process, relevant data is automatically
transferred and updated.
Data collected at each LCU
is stored in a central database
on the Cogiscan server, which
can interface with external
systems, such as ERP, MRP,
MES, etc. Thus, the Cogiscan
platform facilitates automated
acquisition for high quality,
real-time material data.
The first element of the Cogiscan platform
consists of a unique and highly flexible
material identification. A re-usable
RF tag (SmartClip or SmartDisk) is directly
attached to the material or its container
throughout the manufacturing process.
Each RF tag contains a unique identification
number and can be programmed with all relevant
material identification and process information.
This technology is very practical and cost-effective
in a closed-loop environment since the tags can
be re-programmed multiple times. The same
RF tags can be used to transfer material information
throughout the supply chain. The SmartClip is the first and only practical
identification solution available for the commonly used JEDEC matrix trays
and, as such, it is quickly becoming the industry de facto standard for this
type of container.
SmartClips and SmartDisks
are easily programmed with
all important component
information, such as part
number, lot number, moisture
sensitivity level, and remaining
floor life and quantity.
The operator interface provides
all relevant instructions and
warnings, including real-time
location and status of all material
being monitored.
Part#
Physical Location
Real-time Status
Warning and Alarms
Lot#
Collateral Design
Illustration

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
Powder Pink Powder Blue Midnight Honey Coffee Brown
Children can choose from six colors.
What’s in the Box?
A 13" Teddy Bear in a choice of 6 colors!
A fully illustrated, full-color, 32-page
My Storytime Friends™
hardcover book!
A FREE membership to receive a new storybookFREE membership to receive a new storybookFREE
online every month!
What’s Included
Online?
Monthly narrated Flip Book Stories
A downloadable PDF of each Book-of-the-Month
plus a black and white coloring book version
Downloadable MP3 files along with iPhoneDownloadable MP3 files along with iPhone
versions of the books
What Else?
A hardcover Book-of-the-Month
shipped directly to the child’s home
(small shipping and handling charges apply)(small shipping and handling charges apply)
Clothing accessories for your
Storytime Friends
The beautiful storybook A Winning Dream is the
first in a series of heartwarming tales about
characters, by an award™
characters, by an award™
winning author and a world renowned illustrator.
combines the things children love - books,
animals, and fun - to help them see what’s possible in life. Little ones
love to think about “What I want to be when I grow up.” Important
messages of empowerment over adversity, attaining dreams and
aspiring for the future are made easy for children to understand. Our
stories bring it all to life with cheerful characters, rich illustrations,
and realistic dialogue that families can enjoy together.
A friend at
story time—
and all the time
Each soft, huggable teddy
bear stands 13" tall—the perfectbear stands 13" tall—the perfect
size for small arms to hug. It’s asize for small arms to hug. It’s a
wonderful companion all day and all night.wonderful companion all day and all night.
From cuddly toys to uplifting stories,
brings parents and children together for ongoing
fun. Customers will use a code, included in each kit purchase, to
register on our website for access to interactive reading experiences,
including virtual page-flip technology. They can also download various
audio narration and printable files, including a coloring book based
on the story they just read. There’s even a shop for buying clothes and
accessories for all the Storytime Friends.
Free Online Membership
No monthly access charge for
online membership!
From low entry cost and great marginsto a unique residual
income program that can provide continuous store revenue,income program that can provide continuous store revenue, My Storytime Friends is a new
integrated children’s product that will drive consumers to your retail location.integrated children’s product that will drive consumers to your retail location.integrated children’s product that will drive consumers to your retail location.
We supply the POS tools along with a high quality product that offers outstandingWe supply the POS tools along with a high quality product that offers outstandingWe supply the POS tools along with a high quality product that offers outstanding
value to your customers while promoting a positive family experience. Our productvalue to your customers while promoting a positive family experience. Our productvalue to your customers while promoting a positive family experience. Our product
appeals to all consumers, including parents, grandparents, and good friends who areappeals to all consumers, including parents, grandparents, and good friends who areappeals to all consumers, including parents, grandparents, and good friends who areappeals to all consumers, including parents, grandparents, and good friends who are
seeking a gift with a twist that kids will love and find empowering. Additionally,seeking a gift with a twist that kids will love and find empowering. Additionally,seeking a gift with a twist that kids will love and find empowering. Additionally,seeking a gift with a twist that kids will love and find empowering. Additionally,
we donate a portion of every sale to charities dedicated to children’s literacy.we donate a portion of every sale to charities dedicated to children’s literacy.we donate a portion of every sale to charities dedicated to children’s literacy.we donate a portion of every sale to charities dedicated to children’s literacy.
For more information, please refer to the back panel.For more information, please refer to the back panel.For more information, please refer to the back panel.
A new storybook online every month!
A value-added, comprehensive
program for retailers
New Products! African Wildlife & Australian Marsupials Coming Soon!
VALUE:
Bear $ 19.95
Book $ 15.95
Downloads $ 119.00
_______________________
Total Value $ 155.00
MSRP $ 39.95
*Offer expires 09/30/09. Please mention Promotional Code: MSF2222 when calling.
The de Sales Group, LLC
444 Bay Vista Avenue
Osprey, FL 34229
Announcing
the arrival of...
Enter the world of My Storytime Friends™
For a limited time only we’re offering special
introductory pricing for select retailers.*
Call now! 800-528-8886
The New Integrated children’s
product...guaranteed to drive
store traffic this year!www.mystorytimefriends.com/promo
What’s in the Box?
A cuddly friend, a hardcover book and a membership
to receive new stories online every month.
VALUE:
Bear $ 19.95
Book $ 15.95
Downloads $ 119.00
_______________________
Total Value $ 155.00
MSRP $ 39.95
www.mystorytimefriends.com/promowww.mystorytimefriends.com/promo
The beautiful storybook A Winning Dream is the first in a series of heartwarming
tales about My Storytime Friends™
characters, by an award winning author
and a world renowned illustrator.
Increase your store
traffic and profits!
Low entry cost and low
minimum reordering
5% residual income from
accessories sold at My Storytime
Friends online store tracked
automatically to your account
Volume discount pricing
Free merchandising items:
signage, window cling,
collateral materials
ASTM, CE child safety
compliant products; meeting
all U.S. and European child
safety standards
A retail accessories program and
regular new product releases
A great gift idea for parents,
grandparents, and good friends...
Generating traffic
and profits to your store
brings parents and children together for
ongoing fun. Customers will use a code, included in each kit
purchase, to register on our website for access to interactive
reading experiences, including virtual page-flip technology. They
can also download various audio narration and printable
files, including a coloring book based on the story they
just read. There’s even a shop for buying clothes and
accessories for all the Storytime Friends.
Free Online Membership
No monthly access
charge for online membership!
Contact our sales staff at 800-528-8886
to learn more today!
Retail Price
$Enter the world of My Storytime Friends™
What’s Online?
Log in to the Free Membership and get access to:
Monthly narrated Flip Book Stories
A downloadable PDF of each
new Book-of-the-Month plus
a black & white coloring book
Downloadable MP3 files along
with iPhone versions of the booksWhat Else?A hardcover Book-of-the-Month shipped
directly to the child’s home (small shipping and handling charges apply)
Clothing accessories for your Storytime Friends
Visit us online www.mystorytimefriends.com
A cuddly friend, inspiring stories
& a lifetime of memories
* Based on the value of Book-of-the-Month Club downloads for the intended age group of children 3 - 8 years old.
Total Estimated Retail Value $ 155.00
My Storytime Friends™™
13-inch plush toy
Estimated Retail Value $ 19.95A 32-page fully illustrated, full-color
A 32-page fully illustrated, full-color
My Storytime Friends
hardcover book
Estimated Retail Value $ 15.95A FREE membership to receive
membership to receive
a new storybook online every month
* Estimated Retail Value $ 119.00
For ages3-8 years old
Direct Mail
Brochure Design
SHelf Talker

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
MortgageLoans
CLM-639 04/09
Telephone
Connecting all offices:
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
available in all locations
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
81 Shrewsbury Street
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
231 West Boylston Street
508-835-9944
*Safe Deposit Boxes Available
†Night Depository
Additional ATM and
cash machine locations
Pam’s Place
382 Water Street
Clinton,MA
O’Malley’s Gas Station
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Cyprian Keyes Golf Club
284 EastTemple Drive
Boylston,MA
Berlin General Store
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
or Bank by Phone 978-365-3713
VehicleLoans
CLM-649 08/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
HomeEquityLoans
CLM-638 04/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
CLM-645 10/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
A program to help young adults manage
their independence and financial freedom
Get Real CommercialBanking
CLM-604 08/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
Checking and Savings
CLM-637 10/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com
24 HourBanking
CLM-644 08/09
Telephone
978-365-3700
888-744-4272 (4CSB)
Office Locations
24 Hour ATM service
Berlin
35 Central Street
978-838-2286
Bolton
563 Main Street
978-779-2857
Boylston*†
508-869-3122
Clinton*†
200 Church Street
978-365-3700
Sterling*†
1 Main Street
978-422-8133
West Boylston†
508-835-9944
†Night Depository
Additional ATM and
Pam’s Place
382 Water Street
Clinton,MA
531 Main Street
Clinton,MA
Bolton Orchards
Full Service ATM
Rts.110 & 117
Bolton,MA
Boylston,MA
19 Central Street
Berlin,MA
Clinton Hospital-
UMASS Memorial
201 Highland Street
Clinton,MA
24 Hour Banking:
Visit our Website
clintonsavings.com

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
978-365-3700
888-744-4272 (4CSB)
clintonsavings.com
CLM-662 07/10
Checking Benefits
78-365-3700
44-4272 (4CSB)
fice Locations
our ATM service
le in all locations
Berlin
Central Street
78-838-2286
Bolton
3 Main Street
78-779-2857
Boylston*†
rewsbury Street
08-869-3122
Clinton*†
Church Street
78-365-3700
Sterling*†
Main Street
78-422-8133
est Boylston†
st Boylston Street
08-835-9944
osit Boxes Available
ght Depository
nd cash machine locations
Pam’s Place
2 Water Street
Clinton,MA
ley’s Gas Station
1 Main Street
Clinton,MA
ton Orchards
l Service ATM
s.110 & 117
Bolton,MA
n Keyes Golf Club
astTemple Drive
oylston,MA
n General Store
Central Street
Berlin,MA
pital - UMASS Memorial
Highland Street
Clinton,MA
Hour Banking:
t our Website
onsavings.com
Phone 978-365-3713
978-365-3700
888-744-4272 (4CSB)
clintonsavings.com
CLF-270 04/09
Mortgage Pre-Qualification
Information for Government
Monitoring Purposes
The following information is requested by the Federal Government
for certain types of loans related to a dwelling in order to monitor
the lender’s compliance with equal credit opportunity,fair housing
and home mortgage disclosure laws. You are not required to furnish
this information,but are encouraged to do so. The law provides that
a lender discriminate neither on the basis of this information,nor
on whether you choose to furnish it. If you furnish this information,
please provide both ethnicity and race. For race,you may check more
than one designation. If you do not wish to furnish ethnicity,race,or
sex,under Federal regulations,this lender is required to note the in-
formation on the basis of visual observation or surname. If you do not
wish to furnish the information,please check the box below. (Lender
must review the above material to assure that the disclosures satisfy all
requirements to which the lender is subject under applicable state law
for the particular type of loan applied for.)
Borrower:
I do not wish to furnish this information.
Ethnicity: Hispanic or Latino Not Hispanic or Latino
Race: American Indian or Alaska Native Asian
Black or African American White
Native Hawaiian or Other Pacific Islander
Sex: Female Male
Co-Borrower:
To be Completed by Interviewer
I do not wish to furnish this information.
Ethnicity: Hispanic or Latino Not Hispanic or Latino
Race: American Indian or Alaska Native Asian
Black or African American White
Native Hawaiian or Other Pacific Islander
Sex: Female Male
This application was taken by:
Face-to-face interview Mail Telephone Internet
Interviewer’s Name (print or type)
Interviewer’s Signature Date
Interviewer’s Phone Number (incl.area code)
Name and Address of Interviewer’s Employer
Clinton Savings Bank Mortgage Pre-Qualification
B=Borrower
Name
StreetAddress
Home Phone
Employer
Previous Street Address (if less than 2 years)City
Email
Employer’s Address
State
Nearest Relative not living with you
Business Phone
YearsThere
Zip Code
Address
YearsThere
Other Income
YearsThere
Phone Number
Gross Monthly Income
Social Security # Marital Status: Married Separated
Unmarried (incl.single,divorced,widowed)
Date of Birth Age of Dependents
You need not disclose income from alimony,child
support,or separate maintenance if you do not choose
to have it considered as a basis for repaying this loan.
Are you obligated to pay alimony,child support,or separate maintenance?
Yes No If yes, Amount:$ Per week
C=Co-Borrower
Name
StreetAddress
Home Phone
Employer
Previous Street Address (if less than 2 years)
Previous Employer (if less than 2 years)
City
Email
State
Nearest Relative not living with you
Business Phone
YearsThere
Zip Code
Address
YearsThere
Other Income
YearsThere
Phone Number
Gross Monthly Income
Social Security # Marital Status: Married Separated
Unmarried (incl.single,divorced,widowed)
Date of Birth Age of Dependents
You need not disclose income from alimony,child
support,or separate maintenance if you do not choose
to have it considered as a basis for repaying this loan.
Are you obligated to pay alimony,child support,or separate maintenance?
Yes No If yes, Amount:$ Per week
Debit & Credit References
Pre-Qualification Purpose
Loan Amount Applied for Term
Purchase Price
$
Address of Property
Proposed Condo Fee Funds AvailableProposedTaxes Source of Down Payment
Market Value
$ $
Monthly Obligations
Landlord/MTG Amount Owed Monthly Payment
Creditor Amount Owed Monthly Payment
Applicant(s) Signature(s)
I/We,the undersigned,hereby authorize Clinton Savings Bank to obtain a copy of my/our credit report for the purpose of a pre-qualification for a mortgage.
7 7
Borrower Signature Date Co-Borrower Signature Date
Purchase Refinance
978-365-3700 • 888-744-4272 (4CSB)
clintonsavings.com
Clinton • Berlin • Bolton • Boylston • Sterling • West Boylston
Previous Employer (if less than 2 years)
Updated 7/10
Benefit Get Real Checking Basic Checking Dividend Checking Total Access Checking Preferred Checking
Minimum Balance $0 $0 $800 $0 $15,000
to Waive Monthly Fee (total combined relationship)
Monthly Fee $0 $5 $10 $0 $15
(if minimum balance not met) (also waived w/payroll direct deposit)
Free Savings Account no no no no yes
Interest-bearing Checking no no yes yes yes
Per Check Charges no no no no no
ATM Accessible yes yes yes yes yes
Foreign ATM Charge* Free $1 (4 free w/direct deposit) Free Free** Free
ATM Card Daily
Withdrawal Limit
$300 $300 $300 $500 $1,000
Debit Card Daily
Withdrawal Limit $1,000 $1,000 $1,000 $3,000 $3,000
Moneyline Rate Discount none none none none 2%
Safe Deposit Box
none none none none 35%Discount (with automatic payment)
Money Orders Fee $3 (one free if $3 (one free if $3 (one free if $3 (one free if
Freewithdrawn from CSB account) withdrawn from CSB account) withdrawn from CSB account) withdrawn from CSB account)
Treasurer’s Checks Fee
$5 (one free if $5 (one free if $5 (one free if $5 (one free if
Freewithdrawn from CSB account) withdrawn from CSB account) withdrawn from CSB account) withdrawn from CSB account)
Traveler’s Checks Fee Free refer to fee schedule refer to fee schedule refer to fee schedule Free
IRA Annual Fee $10 $10 $10 $10 Free
Online Banking Fee Free Free Free Free Free
Online Bill Payment &
Presentment Monthly Fee
Free $4.95 $4.95 Free Free
Bounce Protection Limit N/A $300 $500 $500 $500
*The owner of the ATM may charge additional fees. **Total Access accounts that meet the monthly qualification requirements will be refunded all ATM fees at the end of the statement cycle.

SHEILA BENINATI
408 Main Street
978.808-7859
GRAPHIC DESIGN
ILLUSTRATION
COLLATERAL
PACKAGING
LOGOS /IDENTITY
ADVERTISING
CATALOG
Why is it called
a reverse mortgage?
With a reverse mortgage you don’t make monthly
payments – you receive them. This type of loan is not due
or payable** as long as you occupy your home as your
primary residence. You are required to pay your property
taxes and maintain home owner’s insurance.
How do I qualify for a reverse
mortgage?
You and your co-borrower (if any) must be at least
62 years of age and occupy a home that is your primary
residence. A reverse mortgage is available to you
regardless of your current income, health, credit score
or debt to income ratios.
How do I know if a reverse
mortgage is right for me?
Before applying for a reverse mortgage, you are required
to participate in an informational counseling session
conducted by an independent non-profit agency. The
counselor reviews alternate financing options, offers a
benefits checkup and verifies your understanding of
how a mortgage works. We encourage you to include
your financial advisor or family members in approved
counseling sessions.
How is the amount calculated?
The loan amount is based on three factors:
•Appraised value of home***
•Age of youngest borrower
•Current interest rate
What are the benefits of
a reverse mortgage?
Some benefits are:
• Tax free* source of cash
• Allows you financial flexibility
• You retain ownership of your home
• You continue to occupy your home
• You can continue to maintain your independence
• Flexible payout options let you choose the
payout plan that is right for you
What is the interest rate on
a reverse mortgage?
Mortgage interest rates depend on current market
conditions as do reverse mortgage interest rates. Typically
reverse mortgage interest rates are competitive with
other mortgage product interest rates. Fixed and monthly
adjustable interest rates are available.
What are the costs involved with
a reverse mortgage?
Costs are similar to other types of mortgages, such as:
• Required property appraisal
• Attorney fees
• Title insurance
• Loan origination fees
• Recording fees
• Monthly servicing fee may be assessed by
the lender
These expenses do not need to be paid out-of-pocket;
they can be deducted from the proceeds of the loan.
Certain programs may require a mortgage insurance
premium. Our Reverse Mortgage Loan Officer can provide
you with all the details.
How can I receive the money
once I qualify?
Based on your individual needs you may choose from the
following payment options:
• Line of credit – draw up to a maximum amount
of your credit line any time you choose and for the
amount you choose.
• Tenure – receive equal monthly payments for
life as long as you occupy your home as your
primary residence.
• Modified tenure – monthly payments combined
with a line of credit.
• Term – receive equal monthly payments for a fixed
period of time you select.
• Modified term – term payment combined with
a line of credit.
• Lump sum – receive a partial or full lump sum
payment at closing.
You may also choose to combine some of these options.
You may also switch between payment options allowing
for flexible financial planning. A borrower opts to have a
line of credit can later change to a tenure option. A small
fee is charged to change payment options.
What about my heirs?
At the time your home is passed to your heirs, the balance
owed on the reverse mortgage comes due. Your heirs
have the option to sell the property and use the proceeds
to pay off the reverse mortgage. Your heirs retain any
excess sales proceeds. Or, the heirs can keep the home
and pay the balance owed on the reverse mortgage from
other resources or assets.
With a reverse mortgage, home owners age 62 or older can convert equity in their home into cash. A special type of equity loan, a reverse mortgage,
can provide a tax free* source of cash without a monthly repayment schedule.
REVERSE
MORTGAGES
P e r s o n a l
B a n k i n g
For Homeowners
Age 62 and Older
Can I purchase a home using a
reverse mortgage?
Yes, a reverse mortgage can be used to purchase a
primary residence.
• Can purchase existing 1 to 4 unit property
• Must occupy property within 60 days
• Borrower provides monetary investment at closing
from allowable funding source such as savings,
sale of home or other assets
For more information about reverse mortgages
contact our reverse mortgage specialists by calling
877- 431-7431 and ask for Joyce Kuhn at EXT. 7540
or Sandra Tajmajer at EXT. 7688. You may also e-mail
us at info@fairfieldcountybank.com. If you e-mail
us please do not include any financial information,
account numbers or tax identification numbers. We
respect your privacy. Customer Connections
Customer Care Center
203-431-7431
1-877-431-7431
www.fairfieldcountybank.com
24 Offices in Fairfield County to serve you
* The money is exempt from taxation as the funds from a Reverse
Mortgage are considered loan proceeds rather than income.
Contact your tax advisor for details.
** The reverse mortgage must be repaid when the borrower leaves
the residence or sells the property. In the event the borrower
predeceases the repayment of the reverse mortgage his/her
estate may refinance the loan with a conventional mortgage
(all credit and eligibility requirements must be met) or sell the
house using the proceeds to payoff the reverse mortgage loan.
A monthly servicing fee may be assessed by the lender.
*** Not to exceed maximum claim amount set by FHA.
FCBM-6121 (6/10)
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Welcome to
Benefit Banking
Today everyone is concerned about
managing their finances, finding a bank that
suits them and saving time while they do it.
At Fairfield County Bank, we have the answer
for both Employers and Employees, an answer
that allows an Employer the opportunity to
provide unique value to his or her employee
group with a package of financial benefits and
expanded access to financial services through
Fairfield County Bank.
With benefits like these, it is easy to
switch and hard to resist:
Choice Checking with Direct
Deposit will waive your monthly
service charge.
Direct Deposit is when you have a recurring electronic
deposit to your checking account during each statement
cycle; examples are payroll, social security or other
retirement benefit payments.
When no monthly direct deposit is received; a minimum
average daily balance of $ 500 is required to waive the
monthly service charges, otherwise a monthly service
charge will be applied. Please refer to our current Schedule
of Charges.
• Free Online Banking and Bill Pay
• Free Telephone Banking
• No Monthly Fee VISA® CHECK CARD
• Fee free transfers for transfers from your checking
account to an IRA or savings account at Fairfield
County Bank
• 1/4 % discount on loan interest rate on consumer
loans of $25,000 or more
• 1/4 % interest rate increase on new money
Certificate of Deposit with a term of less than 24
months and an opening deposit of $25,000 or more
• Health Savings Account service charge waived for
the first year
Earn 200 Fairfield County Bank
Rewards Points when you apply
for a Fairfield County Bank VISA®
Check Card.
The certificate for the 200 point award will be given to
you at the time of application or sent to you by mail.
You may also earn reward points when you use your
Fairfield County VISA® Check Card. Points for card
usage are earned at the rate of 1 point for every $100
spent for signature based point of sale (POS) transactions
and ½ a point for every $100 spent for POS PIN
transactions. Points accumulate and a certificate for
points earned is mailed to you quarterly.
The certificate(s) you receive for any points awarded,
either for a one time award such as the award for the
VISA® Check Card or for use of the VISA® Check Card at
POS as previously described will provide a registration
number, the number of points awarded and the certificate
expirations date. Point certificates expire two years from
the issue date.
For more information, please refer Fairfield County Bank
Rewards Terms and Conditions pamphlet or visit us at
www.fairfieldcountybankrewards.com.
Effortless Enrollment
We make the process simple for
employer and employee alike:
We prepare an information letter to company employees
highlighting the benefits of the program, the convenience
of banking with us online or at any of our many locations
in Fairfield County. Included in the letter are our contact
information and a response form. Employees who express
an interest will receive by mail all the forms needed to
make a quick and easy transition to Fairfield County Bank,
including Direct Deposit enrollment forms. A banking
representative will follow up with a call and schedule an
appointment if you would prefer not to use mail or online
for documentation or form delivery.
To maintain confidentiality we provide the letters to the
employer to give to company employees.
We work closely with an interested employer to set up
employee meetings and information sessions.
Once an employee becomes a Fairfield County Bank
customer, our customer care specialists will follow up with
each employee to help them take advantage of all the
benefits of banking at Fairfield County Bank.
Setting your goals and
making them happen.
Investment and
Insurance Services
Insurance products are offered through Fairfield
County Bank Insurance Services, LLC,1
a wholly owned
subsidiary of Fairfield County Bank providing the best
insurance at the best price to residents and businesses
throughout Fairfield County since 1928. To find out more
ask a banking representative or call 1-877-431-7431.
www.fairfieldcountybankinsuranceservices.com
We offer access to investment2
services through INFINEX
INVESTMENTS, INC. When you are considering your
options for investments, whether stocks, bonds or mutual
funds, consider Fairfield County Financial Services. We
offer all the services of a Wall Street firm locally, right here
in Fairfield County where you live. To find out more ask a
banking representative or call 1-877-431-7431.
Customer Connections
Customer Care Center
203-431-7431
1-877-431-7431
www.fairfieldcountybank.com
Locations throughout Fairfield County to serve you.
FCBM-6701 (9/10)
1. Insurance products offered through Fairfield County
Bank Insurances Services, LLC are: NOT A DEPOSIT,
NOT FDIC-INSURED; NOT INSURED BY ANY FEDERAL
GOVERNMENT AGENCY; and NOT GUARANTEED BY
THE BANK and are subject to investment risk, including
the potential loss of principal invested.
2. Investment and insurance products and services are
offered through INFINEX INVESTMENTS, INC. Member
FINRA/SIPC. In Massachusetts, insurance products
are offered through Infinex Insurance Agency of
Massachusetts, Inc. Fairfield County Financial Services
is a trade name of Fairfield County Bank. Infinex
and the bank are not affiliated. Products and services
made available through Infinex are not insured by the
FDIC or any other agency of the United States and are
not deposits or obligations of nor guaranteed or insured
by any bank or bank affiliate. These products are subject
to investment risk, including the possible loss of value.
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B e n e f i t
B a n k i n g
REAL VALUE FOR EMPLOYERS
AND THEIR EMPLOYEES

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