Schwinn none - Manual (Page 48)

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Accessories
If your bike is supplied with a water bottle and cage, attach the
cage to the bicycle using the Allen bolts provided.
Most bikes come equipped with a saddle bag or frame bag.
The saddle bag installs under the seat with the zipper facing
the rear wheel. Undo the straps that wrap around the bag,
thread them through the rails underneath the seat and secure
around the bag. The smaller strap wraps around the seat post.
Frame bags install at the apex of the top and seat tubes.
Secure the straps around each tube.
NOTE: The frame bag straps must not bind the cables. The
straps must go around the frame only.
Other: Some 20” and 24” model bicycles come with a rear
derailleur guard to protect the rear derailleur from damage. To
install, remove the the rear wheel axle nut on the drive side,
install the rear derailleur guard over the axle with the U-shaped
guard pointing down, and retighten the axle nut. The guard will
sit between the frame and the axle nut.
Tighten both rear wheel axle nuts or the
quick release mechanism securely. Failure
to do this may cause the rear wheel to
dislodge from the frame dropouts resulting
in serious damage or injury.
Reflectors
Attach the white reflector to the front reflector bracket and
secure to the fork using the hardware provided. Attach the red
reflector to the rear reflector bracket and secure to the frame
or seat post, depending on the bracket style, with the hardware
provided.
Saddle Bag
Frame Bag
Reflector
Reflector
Reflector
Water bottle and cage