Utilize is a type of Change. People can Change. People is related to Guard. Guard is related to Bank. 
Bread is related to Item. Item is a synonym of Object. Whole is a type of Object. 
Utilize --IsA--> Change <--CapableOf-- People <--RelatedTo--> Guard <--RelatedTo--> Bank 
Bread <--RelatedTo--> Item <--Synonym--> Object <--IsA-- Whole 