)RUP 1R FP 5HF\FOHUÇ :DON 3RZHU /DZQ 0RZHU 0RGHO 1R DQG 8S 0RGHO 1R DQG 8S 2SHUDWRU·V 0DQXDO 'RPHVWLF (QJOLVK (1
&RQWHQWV ,QWURGXFWLRQ 6DIHW\ *HQHUDO /DZQ 0RZHU 6DIHW\ 6DIHW\ DQG ,QVWUXFWLRQ 'HFDOV $VVHPEO\ 8QSDFNLQJ WKH /DZQ 0RZHU ,QVWDOOLQJ WKH +DQGOH ,QVWDOOLQJ WKH 6WDUWHU 5RSH
.
6WRS WKH HQJLQH $OZD\V EH VXUH RI \RXU IRRWLQJ RQ VORSHV :DON QHYHU UXQ ZKHQHYHU \RX OHDYH WKH PRZHU .
0RZHU EODGHV DUH VKDUS DQG FDQ FXW :UDS WKH EODGH V RU ZHDU JORYHV DQG XVH H[WUD FDXWLRQ ZKHQ VHUYLFLQJ WKHP 6WRS DQG LQVSHFW WKH HTXLSPHQW LI \RX VWULNH DQ REMHFW 5HSDLU LI QHFHVVDU\ EHIRUH UHVWDUWLQJ 1HYHU DWWHPSW WR PDNH ZKHHO KHLJKW DGMXVWPHQWV ZKLOH WKH HQJLQH PRWRU LV UXQQLQJ 'R QRW FKDQJH WKH HQJLQH JRYHUQRU VHWWLQJ RU RYHUVSHHG WKH HQJLQH $OZD\V GLVFRQQHFW HOHFWULF PRZHUV OLYH RSHUDWHG EHIRUH FOHDQLQJ UHSDLULQJ RU DGMXVWLQJ 7R HQVXUH WKH EHVW SHUIRUPDQFH DQG VDIHW\
,QVWDOOLQJ WKH +DQGOH :$51,1* 327(17,$/ +$=$5' )ROGLQJ RU XQIROGLQJ WKH KDQGOH LPSURSHUO\ FDQ SLQFK VWUHWFK RU GDPDJH RQH RU PRUH RI WKH FDEOHV :+$7 &$1 +$33(1 $Q\ SLQFKHG VWUHWFKHG RU GDPDJHG FDEOH PD\ FDXVH DQ RSHUDWLRQDO IDLOXUH WKDW UHVXOWV LQ DQ XQVDIH RSHUDWLQJ FRQGLWLRQ +2: 72 $92,' 7+( +$=$5' 'R QRW SLQFK VWUHWFK RU GDPDJH WKH FDEOHV +DQGOH WKH FDEOHV ZLWK FDUH ZKHQ IROGLQJ RU XQIROGLQJ WKH KDQGOH 'R QRW XVH WKH ODZQ PRZHU LI RQH RU PRUH RI WKH FDEOHV DUH SLQFKHG VW
1RWH 7R LQVHUW WKH FKDQQHOV RQWR WKH JUDVV EDJ IUDPH VWDUW RQ RQH HQG RI WKH FKDQQHO DQG SXVK LW RQWR WKH IUDPH 6QDS WKH ERWWRP IUDPH EDU LQWR WKH IRXU VQDS ILWWLQJV RQ WKH EDJ EDVH DV VKRZQ LQ )LJXUH 1RWH 0DNH VXUH WKH VLGHV RI WKH EDJ EDVH DUH LQVLGH WKH EDJ IUDPH DV VKRZQ LQ )LJXUH P )LJXUH *UDVV EDJ IUDPH %DJ FRYHU %DJ KDQGOH %DJ EDVH *UDVV EDJ 1RWH 0DNH VXUH WKDW WKH EDJ KDQGOH LV RQ WKH RXWVLGH RI WKH EDJ )LJXUH 3RVLWLRQ WKH EDJ
:LSH WKH GLSVWLFN FOHDQ ZLWK D FOHDQ FORWK '$1*(5 )XOO\ LQVHUW WKH GLSVWLFN LQWR WKH ILOOHU QHFN WKHQ UHPRYH LW 327(17,$/ +$=$5' ,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\ IODPPDEOH DQG KLJKO\ H[SORVLYH 1RWH 7R HQVXUH DQ DFFXUDWH RLO OHYHO UHDGLQJ \RX PXVW IXOO\ LQVWDOO WKH GLSVWLFN :+$7 &$1 +$33(1 $ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG RWKHUV DQG FDQ GDPDJH SURSHUW\ 5HDG WKH RLO OHYHO RQ WKH GLSVWLFN )LJ ,I WKH RLO OHYHO UHDGLQJ LV EHORZ WKH $GG PDUN RQ WKH
'$1*(5 327(17,$/ +$=$5' :KHQ IXHOLQJ XQGHU FHUWDLQ FLUFXPVWDQFHV D VWDWLF FKDUJH FDQ GHYHORS LJQLWLQJ WKH JDVROLQH )LJXUH :+$7 &$1 +$33(1 $ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG RWKHUV DQG GDPDJH SURSHUW\ )XHO WDQN FDS 3ULPHU 5HPRYH WKH FDS IURP WKH WDQN +2: 72 $92,' 7+( +$=$5' $OZD\V SODFH JDVROLQH FRQWDLQHUV RQ WKH JURXQG DZD\ IURP \RXU YHKLFOH EHIRUH ILOOLQJ 'R QRW ILOO JDVROLQH FRQWDLQHUV LQVLGH D YHKLFOH RU RQ D WUXFN RU WUDLOHU EHG EHFDXVH LQWHULRU
8VLQJ WKH 6HOI SURSHO 'ULYH 3XVK WKH SULPHU WKUHH WLPHV ZDLWLQJ WZR VHFRQGV EHWZHHQ HDFK SXVK )LJ 6HOI SURSHOOHG 0RGHO RQO\ 7R RSHUDWH WKH VHOI SURSHO GULYH VLPSO\ ZDON IRUZDUG ZLWK \RXU KDQGV RQ WKH XSSHU KDQGOH $V \RX PRYH IRUZDUG WKH XSSHU KDQGOH ZLOO VOLGH WRZDUG WKH ODZQ PRZHU DFWLYDWLQJ WKH VHOI SURSHOOHG GULYH 7KH IDVWHU \RX ZDON WKH IDUWKHU WKH KDQGOH ZLOO VOLGH DQG WKH IDVWHU WKH ODZQ PRZHU ZLOO SURSHO )LJ P )LJXUH 3ULPHU 1RWH ,I WKH WHPSHUDWXUH LV E)
P )LJXUH )LJXUH 6SDUVH QRUPDO JUDVV &XWWLQJ KHLJKW DGMXVWPHQW 5HG EXWWRQ KDQGOH /XVK JUDVV FXWWLQJ VFDOH FXWWLQJ VFDOH 0RYH OLIW XS RU SUHVV GRZQ RQ WKH KDQGOH WR WKH GHVLUHG FXWWLQJ KHLJKW 7RUR UHFRPPHQGV WKH IROORZLQJ &XW WKH JUDVV DW WKH ' ( RU ) VHWWLQJV RU NHHS WKH JUDVV EHWZHHQ WR LQFK WR FP KLJK 'R QRW FXW EHORZ WKH ' VHWWLQJ XQOHVV WKH JUDVV LV VSDUVH RU LW LV ODWH IDOO ZKHQ JUDVV JURZWK EHJLQV WR VORZ GRZQ :KHQ \RX FXW ORQJ
5HPRYH WKH UHF\FOHU SOXJ '$1*(5 ,QVHUW WKH JUDVV EDJ IUDPH KRRN LQWR WKH GHFN VORW DQG RQWR WKH JUDVV EDJ IUDPH VDGGOHV DV VKRZQ LQ )LJXUH 327(17,$/ +$=$5' 7KURZQ REMHFWV PD\ UHVXOW LI WKH UHDU GRRU GRHV QRW FORVH FRPSOHWHO\ :+$7 &$1 +$33(1 7KURZQ REMHFWV FDQ FDXVH VHULRXV SHUVRQDO LQMXU\ RU GHDWK +2: 72 $92,' 7+( +$=$5' ,I \RX FDQQRW FORVH WKH UHDU GRRU EHFDXVH JUDVV FOLSSLQJV FORJ WKH GLVFKDUJH DUHD VWRS WKH HQJLQH ZDLW IRU DOO PRYLQJ SDUWV WR VWRS DQG UHPRYH WKH JUDVV FOLSSLQ
5HDU 'LVFKDUJH :$51,1* 2FFDVLRQDOO\ \RX PD\ QHHG WR FXW WKH ODZQ ZLWKRXW WKH JUDVV EDJ RU WKH UHF\FOHU SOXJ ZKHQ WKH JUDVV LV WRR ORQJ IRU EDJJLQJ 327(17,$/ +$=$5' :HW JUDVV RU OHDYHV FDQ FDXVH \RX WR VOLS DQG FRQWDFW WKH EODGH 7R XVH WKH UHDU GLVFKDUJH IHDWXUH UHPRYH WKH UHF\FOHU SOXJ RU WKH JUDVV EDJ UHIHU WR 5HPRYLQJ WKH *UDVV %DJ RQ SDJH DQG FORVH WKH UHDU GRRU :+$7 &$1 +$33(1 %ODGH FRQWDFW FDQ VHULRXVO\ LQMXUH \RX +2: 72 $92,' 7+( +$=$5' 0RZ RQO\ LQ GU\ FRQGLWLRQV '$1*(5 &OH
:KHQ FXWWLQJ JUDVV RYHU VL[ LQFKHV FP WDOO ILUVW PRZ XVLQJ WKH UHDU GLVFKDUJH DW WKH KLJKHVW FXWWLQJ KHLJKW VHWWLQJ DQG ZDONLQJ VORZHU WKHQ PRZ DJDLQ DW D ORZHU VHWWLQJ IRU EHVW ODZQ DSSHDUDQFH ,I WKH JUDVV LV WRR ORQJ DQG OHDYHV FOXPSV RQ WRS RI WKH ODZQ WKH ODZQ PRZHU PD\ SOXJ XS DQG FDXVH WKH HQJLQH WR VWDOO &XW WKH JUDVV PRUH IUHTXHQWO\ $OWHUQDWH WKH PRZLQJ GLUHFWLRQ 7KLV KHOSV GLVSHUVH FOLSSLQJV RYHU WKH ODZQ IRU HYHQ IHUWLOL]DWLRQ $IWHU FXWWLQJ WKH ODZQ PDNH VXUH WKDW KDOI RI
6HUYLFH ,WHP (DFK 8VH 6HUYLFH 2SHUDWLRQ +RXUV +RXUV +RXUV +RXUV %HOW &RYHU 5HPRYH DQG FOHDQ JUDVV FOLSSLQJV DQG GHEULV IURP XQGHU WKH FRYHU 6SDUN 3OXJ ,QVSHFW DQG FOHDQ WKH VSDUN SOXJ 5HSODFH LW LI QHFHVVDU\ ; &RROLQJ 6\VWHP &OHDQ GHEULV IURP WKH HQJLQH DLU FRROLQJ ILQV DQG VWDUWHU &OHDQ LW PRUH IUHTXHQWO\ LQ GLUW\ RSHUDWLQJ FRQGLWLRQV ; )XHO 7DQN (PSW\ WKH IXHO WDQN EHIRUH FHUWDLQ UHSDLUV DV GLUHFWHG RU EHIRUH VWRUDJH ; &$87,21 327(17,$/ +$=$5' ,I \RX OHDYH WKH ZLUH
:LSH XS DQ\ VSLOOHG RLO :$51,1* &RQQHFW WKH ZLUH RQWR WKH VSDUN SOXJ 327(17,$/ +$=$5' 7KH EODGH LV VKDUS 5HF\FOH WKH XVHG RLO DFFRUGLQJ WR ORFDO FRGHV :+$7 &$1 +$33(1 &RQWDFW ZLWK D VKDUS EODGH FDQ FDXVH VHULRXV SHUVRQDO LQMXU\ &OHDQLQJ WKH 8QGHUVLGH RI WKH /DZQ 0RZHU +RXVLQJ +2: 72 $92,' 7+( +$=$5' :HDU JORYHV RU ZUDS WKH VKDUS HGJHV RI WKH EODGH ZLWK D UDJ .
6WDUW WKH HQJLQH 7XUQ WKH ODZQ PRZHU XSULJKW /HW WKH ODZQ PRZHU UXQ IRU WZR PLQXWHV )LOO WKH IXHO WDQN 6WRS WKH HQJLQH DQG ZDLW IRU DOO PRYLQJ SDUWV WR VWRS &RQQHFW WKH ZLUH WR WKH VSDUN SOXJ 7XUQ WKH ZDWHU RII 6HUYLFLQJ WKH $LU )LOWHU 5HPRYH WKH FRXSOLQJ IURP WKH ZDVKRXW ILWWLQJ 5HSODFH WKH DLU ILOWHU HYHU\ VHDVRQ RU HYHU\ RSHUDWLQJ KRXUV UHSODFH LW PRUH IUHTXHQWO\ XQGHU GXVW\ RSHUDWLQJ FRQGLWLRQV 6WDUW WKH ODZQ PRZHU DQG OHW LW UXQ IRU RQH PLQXWH WR GU\ R
'LVFRQQHFW WKH ZLUH IURP WKH VSDUN SOXJ )LJ '$1*(5 7LS WKH ODZQ PRZHU RQWR LWV OHIW VLGH )LJ ,03257$17 0RYH WKH EODGH DV OLWWOH DV SRVVLEOH WR DYRLG IXWXUH VWDUWLQJ SUREOHPV 327(17,$/ +$=$5' $ ZRUQ RU GDPDJHG EODGH FDQ EUHDN DQG D SLHFH RI WKH EODGH FRXOG EH WKURZQ LQWR WKH RSHUDWRU·V RU E\VWDQGHU·V DUHD :+$7 &$1 +$33(1 $ WKURZQ SLHFH RI WKH EODGH FRXOG FDXVH VHULRXV SHUVRQDO LQMXU\ RU GHDWK WR WKH RSHUDWRU RU E\VWDQGHUV +2: 72 $92,' 7+( +$=$5' ,QVSHFW WKH EODGH SHULRGLFD
%DODQFLQJ WKH %ODGH ,QVWDOO D JUHDVH JXQ RQWR HDFK ILWWLQJ DQG JHQWO\ DSSO\ WZR RU WKUHH SXPSV RI PXOWL SXUSRVH OLWKLXP EDVH JUHDVH &KHFN WKH EDODQFH RI WKH EODGH E\ SODFLQJ WKH FHQWHU KROH RI WKH EODGH RYHU D QDLO RU D VFUHZGULYHU VKDQN FODPSHG KRUL]RQWDOO\ LQ D YLVH )LJ ,03257$17 $SSO\LQJ JUHDVH XVLQJ H[FHVV SUHVVXUH PD\ GDPDJH WKH VHDOV $GMXVWLQJ WKH 6HOI SURSHO 'ULYH &DEOH 6HOI SURSHOOHG 0RGHO RQO\ )LJXUH ,I WKH WRS VSHHG EHJLQV WR VORZ RQ WKH ODZQ PRZHU DGMXVW WKH VHO
5HOHDVH WKH GULYH EUDFNHW ,QVWDOO WKH VSDUN SOXJ DQG WKH JDVNHW VHDO ,QVWDOO WKH EHOW FRYHU 7RUTXH WKH VSDUN SOXJ WR IW OE 1kP &RQQHFW WKH ZLUH WR WKH VSDUN SOXJ &OHDQLQJ XQGHU WKH %HOW &RYHU &OHDQLQJ WKH &RROLQJ 6\VWHP .
352%/(0 (QJLQH J VWDUWV KDUG RU ORVHV S SRZHU &255(&7,9( $&7,21 'UDLQ DQG ILOO WKH IXHO WDQN ZLWK IUHVK JDVROLQH &KHFN WKH JDVROLQH FDS IRU YHQWLODWLRQ LI WKH FDS GRHV QRW YHQW DLU UHSODFH LW &OHDQ WKH DLU ILOWHU &OHDQ WKH ODZQ PRZHU GLVFKDUJH FKXWH &OHDQ WKH XQGHUVLGH RI WKH ODZQ PRZHU GHFN &OHDQ WKH VSDUN SOXJ FKHFN WKH VSDUN SOXJ JDS DQG UHSODFH WKH VSDUN SOXJ LI LW LV GDPDJHG &KHFN WKH HQJLQH RLO (QJLQH J UXQV URXJK J &RQQHFW WKH VSDUN SOXJ ZLUH &OHDQ WKH VSDUN
3UHSDULQJ WKH )XHO 6\VWHP &KHFN WKH FRQGLWLRQ RI WKH EODGH 5HIHU WR 0DLQWDLQLQJ WKH %ODGH RQ SDJH 7LJKWHQ DOO QXWV EROWV DQG VFUHZV :$51,1* /XEULFDWH WKH ZKHHOV 5HIHU WR /XEULFDWLQJ WKH 6HOI SURSHO 'ULYH RQ SDJH 327(17,$/ +$=$5' *DVROLQH FDQ YDSRUL]H LI VWRUHG RYHU ORQJ SHULRGV RI WLPH 7RXFK XS DOO UXVWHG RU FKLSSHG SDLQW VXUIDFHV ZLWK SDLQW DYDLODEOH IURP DQ $XWKRUL]HG 6HUYLFH 'HDOHU :+$7 &$1 +$33(1 9DSRUL]HG IXHO FDQ H[SORGH LI LW FRPHV LQWR FRQWDFW ZLWK RSHQ IODPH )
5HPRYLQJ IURP 6WRUDJH :$51,1* 327(17,$/ +$=$5' )ROGLQJ RU XQIROGLQJ WKH KDQGOH LPSURSHUO\ FDQ SLQFK VWUHWFK RU GDPDJH RQH RU PRUH RI WKH FDEOHV :+$7 &$1 +$33(1 $Q\ SLQFKHG VWUHWFKHG RU GDPDJHG FDEOH PD\ FDXVH DQ RSHUDWLRQDO IDLOXUH WKDW UHVXOWV LQ DQ XQVDIH RSHUDWLQJ FRQGLWLRQ +2: 72 $92,' 7+( +$=$5' 'R QRW SLQFK VWUHWFK RU GDPDJH WKH FDEOHV +DQGOH WKH FDEOHV ZLWK FDUH ZKHQ IROGLQJ RU XQIROGLQJ WKH KDQGOH 'R QRW XVH WKH ODZQ PRZHU LI RQH RU PRUH RI WKH FDEOHV DUH SLQFKHG VWUHWFKHG RU G
7KH 7RUR 7RWDO &RYHUDJH *XDUDQWHH *DV &RUGOHVV $ )XOO :DUUDQW\ /LPLWHG :DUUDQW\ IRU &RPPHUFLDO 8VH (OHFWULF DQG µ &RPPHUFLDO 'XW\ :DON 0RZHUV &RQGLWLRQV DQG 3URGXFWV &RYHUHG 2ZQHU 5HVSRQVLELOLWLHV 7KH 7RUR &RPSDQ\ DQG LWV DIILOLDWH 7RUR :DUUDQW\ &RPSDQ\ SXU