)RUP 1R 'LQJRÇ 'LQJRÇ &RPSDFW 8WLOLW\ /RDGHU 0RGHO 1R ³ DQG 8S 2SHUDWRU·V 0DQXDO 'RPHVWLF (QJOLVK (1
:DUQLQJ &KHFNLQJ WKH 2LO /HYHO 5HPRYLQJ 'HEULV IURP WKH 7UDFWLRQ 8QLW &KHFNLQJ WKH +\GUDXOLF )OXLG 7LUH SUHVVXUH 2SHUDWLRQ 7UDFWLRQ 8QLW 2YHUYLHZ &RQWUROV 6WDUWLQJ DQG 6WRSSLQJ WKH (QJLQH
&$87,21 :$51,1* RU '$1*(5³´SHUVRQDO VDIHW\ LQVWUXFWLRQ µ )DLOXUH WR FRPSO\ ZLWK WKH LQVWUXFWLRQ PD\ UHVXOW LQ SHUVRQDO LQMXU\ RU GHDWK 6DIH 2SHUDWLQJ 3UDFWLFHV 7KLV SURGXFW LV FDSDEOH RI DPSXWDWLQJ KDQGV DQG IHHW $OZD\V IROORZ DOO VDIHW\ LQVWUXFWLRQV WR DYRLG VHULRXV LQMXU\ RU GHDWK :DUQLQJ (QJLQH H[KDXVW FRQWDLQV FDUERQ PRQR[LGH DQ RGRUOHVV GHDGO\ SRLVRQ WKDW FDQ NLOO \RX P 'R QRW UXQ WKH HQJLQH LQGRRUV RU LQ DQ HQFORVHG DUHD )LJXUH 0RGHO DQG VHULDO QXPEHU SODWH *HQHUDO 2SHUDW
5DLVLQJ WKH ORDGHU DUPV RQ D VORSH ZLOO DIIHFW WKH VWDELOLW\ RI WKH PDFKLQH :KHQHYHU SRVVLEOH NHHS WKH ORDGHU DUPV LQ WKH ORZHUHG SRVLWLRQ ZKHQ RQ VORSHV 'R QRW RYHU ORDG WKH DWWDFKPHQW DQG DOZD\V NHHS WKH ORDG OHYHO ZKHQ UDLVLQJ WKH ORDGHU DUPV /RJV ERDUGV DQG RWKHU LWHPV FRXOG UROO GRZQ WKH ORDGHU DUPV LQMXULQJ \RX 5HPRYLQJ DQ DWWDFKPHQW RQ D VORSH ZLOO PDNH WKH UHDU RI WKH WUDFWLRQ XQLW KHDY\ 5HIHU WR WKH 6WDELOLW\ 'DWD VHFWLRQ SDJH WR GHWHUPLQH ZKHWKHU WKH DWWDFKPHQW FDQ EH VDIHO\
%HIRUH DQG ZKLOH EDFNLQJ ORRN EHKLQG DQG GRZQ IRU VPDOO FKLOGUHQ %DWWHU\ JDVHV FDQ H[SORGH .HHS FLJDUHWWHV VSDUNV DQG IODPHV DZD\ IURP WKH EDWWHU\ 1HYHU FDUU\ FKLOGUHQ 7KH\ PD\ IDOO RII DQG EH VHULRXVO\ LQMXUHG RU LQWHUIHUH ZLWK VDIH WUDFWLRQ XQLW RSHUDWLRQ .
ORSH &KDUW
6DIHW\ DQG ,QVWUXFWLRQ 'HFDOV 6DIHW\ GHFDOV DQG LQVWUXFWLRQV DUH HDVLO\ YLVLEOH WR WKH RSHUDWRU DQG DUH ORFDWHG QHDU DQ\ DUHD RI SRWHQWLDO GDQJHU 5HSODFH DQ\ GHFDO WKDW LV GDPDJHG RU ORVW 2Q WKH /RDGHU $UP &URVV %DU 3DUW 1R 2Q WKH &RQWURO 3DQHO 3DUW 1R 2Q WKH &RQWURO 3DQHO 3DUW 1R 1HDU WKH 2LO )LOO 3DUW 1R 2Q WKH &RQWURO 3DQHO 3DUW 1R 2Q WKH &RQWURO 3DQHO 3DUW 1R 2Q WKH &RQWURO 3DQHO 3DUW 1R ,QVLGH WKH /HIW /RDGHU $
,QVWDOOLQJ WKH 9DOYH /HYHU 7KUHDG WKH OHYHU LQWR WKH VSHHG VHOHFWRU YDOYH )LJ 1RWH 7KH OHYHU VKRXOG EH LQVWDOOHG ZLWK WKH EHQG WRZDUG WKH RSHUDWRU 7LJKWHQ WKH MDP QXW RQ WKH OHYHU WR ORFN LW LQ SRVLWLRQ P )LJXUH P )LJXUH %DWWHU\ 5XEEHU FRYHU %DWWHU\ FODPS 1HJDWLYH FDEOH 3RVLWLYH FDEOH 6SHHG VHOHFWRU OHYHU *HQWO\ SXVK WKH K\GUDXOLF KRVHV DVLGH DQG OLIW WKH EDWWHU\ RXW RI WKH FKDVVLV $FWLYDWLQJ WKH %DWWHU\ 'DQJHU :DUQLQJ
:KHQ WKH EDWWHU\ LV IXOO\ FKDUJHG GLVFRQQHFW WKH FKDUJHU IURP WKH HOHFWULFDO RXWOHW DQG IURP WKH QHJDWLYH DQG SRVLWLYH EDWWHU\ SRVWV )LJ 6ORZO\ SRXU HOHFWURO\WH LQWR HDFK FHOO XQWLO WKH OHYHO LV RQFH DJDLQ XS WR WKH XSSHU OLQH RQ WKH EDWWHU\ FDVH )LJ DQG LQVWDOO FRYHUV ,QVWDOO WKH EDWWHU\ LQWR WKH FKDVVLV )LJ 6HFXUH WKH EDWWHU\ LQ WKH FKDVVLV ZLWK WKH EDWWHU\ FODPS VWULS DQG ZLQJ QXW )LJ )LJXUH )LOOHU FDSV (OHFWURO\WH 8VLQJ WKH E
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
$GGLQJ )XHO )LOOLQJ WKH )XHO 7DQN 3DUN WKH WUDFWLRQ XQLW RQ D OHYHO VXUIDFH ORZHU WKH ORDGHU DUPV DQG VWRS WKH HQJLQH 'DQJHU 5HPRYH WKH NH\ DQG DOORZ WKH HQJLQH WR FRRO ,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\ IODPPDEOH DQG KLJKO\ H[SORVLYH $ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG RWKHUV DQG FDQ GDPDJH SURSHUW\ &OHDQ DURXQG WKH IXHO WDQN FDS DQG UHPRYH LW $GG XQOHDGHG UHJXODU JDVROLQH WKH IXHO WDQN XQWLO WKH OHYHO LV WR LQ WR PP EHORZ WKH ERWWRP RI WKH
&KHFNLQJ WKH +\GUDXOLF )OXLG ,PSRUWDQW 'R QRW RYHUILOO WKH FUDQNFDVH ZLWK RLO EHFDXVH WKH HQJLQH PD\ EH GDPDJHG &KHFN WKH K\GUDXOLF IOXLG OHYHO EHIRUH WKH HQJLQH LV ILUVW VWDUWHG DQG DIWHU HYHU\ RSHUDWLQJ KRXUV 5HSODFH WKH ILOOHU FDS DQG GLSVWLFN +\GUDXOLF 7DQN &DSDFLW\ JDO O +\GUDXOLF )OXLG *URXS ,62 W\SH DQWL ZHDU K\GUDXOLF IOXLGV UHFRPPHQGHG IRU DPELHQW WHPSHUDWXUHV FRQVLVWHQWO\ EHORZ E ) VXFK DV 7RUR +\ 3UR 0RELO )OXLG RU RWKHU HTXLYDOHQW IOXLG
1RWH 8VH D ORZHU WLUH SUHVVXUH SVL ZKHQ RSHUDWLQJ LQ VDQG\ VRLO FRQGLWLRQV WR SURYLGH EHWWHU WUDFWLRQ LQ WKH ORRVH VRLO P )LJXUH 9DOYH VWHP 2SHUDWLRQ 1RWH 'HWHUPLQH WKH OHIW DQG ULJKW VLGH RI WKH PDFKLQH IURP WKH QRUPDO RSHUDWLQJ SRVLWLRQ 7UDFWLRQ 8QLW 2YHUYLHZ )LJXUH FRQWDLQV D IURQW DQG EDFN YLHZ RI WKH WUDFWLRQ XQLW )DPLOLDUL]H \RXUVHOI ZLWK DOO RI WKH WUDFWLRQ XQLW FRPSRQHQWV OLVWHG LQ )LJXUH P )LJXUH 0RXQW SO
&KRNH /HYHU &DXWLRQ %HIRUH VWDUWLQJ D FROG HQJLQH PRYH WKH FKRNH OHYHU IXOO\ IRUZDUG $IWHU WKH HQJLQH VWDUWV UHJXODWH WKH FKRNH WR NHHS WKH HQJLQH UXQQLQJ VPRRWKO\ $V VRRQ DV SRVVLEOH PRYH WKH FKRNH OHYHU UHDUZDUG DV IDU DV SRVVLEOH $ ZDUP HQJLQH UHTXLUHV OLWWOH RU QR FKRNLQJ
0RYH WKH IORZ GLYLGHU FRQWURO EHWZHHQ WKH WZHOYH R·FORFN DQG QLQH R·FORFN SRVLWLRQV WR VORZ WKH WUDFWLRQ XQLW K\GUDXOLFV DQG ILQH WXQH WKH VSHHG 0RYH WKH VSHHG VHOHFWRU OHYHU WR WKH VORZ WXUWOH SRVLWLRQ WR VHW WKH DX[LOLDU\ K\GUDXOLFV WR KLJK VSHHG DQG WKH WUDFWLRQ GULYH ORDGHU DUPV DQG DWWDFKPHQW WLOW WR ORZ VSHHG 8VH D VHWWLQJ LQ WKLV UDQJH ZLWK DWWDFKPHQWV ZLWK K\GUDXOLFV ZKHUH \RX QHHG WR ERWK UXQ WKH DWWDFKPHQW DQG PRYH WKH WUDFWLRQ XQLW K\GUDXOLFV VXFK DV WKH DXJHU ERULQJ XQLW K\GUDXOLF E
6WRSSLQJ WKH (QJLQH &DXWLRQ 0RYH WKH WKURWWOH OHYHU WR WKH VORZ WXUWOH SRVLWLRQ $ FKLOG RU XQWUDLQHG E\VWDQGHU FRXOG DWWHPSW WR RSHUDWH WKH WUDFWLRQ XQLW DQG EH LQMXUHG /RZHU WKH ORDGHU DUPV WR WKH JURXQG 7XUQ WKH LJQLWLRQ NH\ RII 5HPRYH WKH NH\ IURP WKH VZLWFK ZKHQ OHDYLQJ WKH WUDFWLRQ XQLW HYHQ LI MXVW IRU D IHZ VHFRQGV 1RWH ,I WKH HQJLQH KDV EHHQ ZRUNLQJ KDUG RU LV KRW OHW LW LGOH IRU D PLQXWH EHIRUH WXUQLQJ WKH LJQLWLRQ NH\ RII 7KLV KHOSV FRRO WKH HQJLQH EHIRUH LW LV VWRSSHG ,
6WRS WKH HQJLQH 3RVLWLRQ D ORDGHU DUP F\OLQGHU ORFN RYHU HDFK OLIW F\OLQGHU URG )LJ 6HFXUH HDFK ORDGHU DUP F\OLQGHU ORFN ZLWK D FOHYLV SLQ DQG FRWWHU SLQ )LJ P )LJXUH P )LJXUH &\OLQGHU ORFN &OHYLV SLQ /LIW F\OLQGHU /LIW F\OLQGHU URG +DLUSLQ FRWWHU +\GUDXOLF KRVHV +DLUSLQ FRWWHU &\OLQGHU ORFNV &OHYLV SLQ ,QVWDOOLQJ DQG 5HPRYLQJ $WWDFKPHQWV :LWK WKH HQJLQH RII ORZHU WKH ORDGHU DUPV
:DUQLQJ ,I \RX GR QRW IXOO\ VHDW WKH TXLFN DWWDFK SLQV WKURXJK WKH DWWDFKPHQW PRXQW SODWH WKH DWWDFKPHQW FRXOG IDOO RII RI WKH WUDFWLRQ XQLW FUXVKLQJ \RX RU E\VWDQGHUV P )LJXUH 0RXQW SODWH (QVXUH WKDW \RXU TXLFN DWWDFK SLQV DUH IXOO\ VHDWHG LQ WKH DWWDFKPHQW PRXQW SODWH 5HFHLYHU SODWH 3RVLWLRQ WKH DWWDFKPHQW RQ D OHYHO VXUIDFH ZLWK HQRXJK VSDFH EHKLQG LW WR DFFRPPRGDWH WKH WUDFWLRQ XQLW 5DLVH WKH ORDGHU DUPV ZKLOH WLOWLQJ EDFN WKH PRXQW SODWH DW WKH VDPH WLPH 0RY
,I WKH DWWDFKPHQW XVHV K\GUDXOLFV VOLGH WKH FROODU EDFN RQ WKH K\GUDXOLF FRXSOHUV DQG GLVFRQQHFW WKHP &DXWLRQ ,PSRUWDQW &RQQHFW WKH DWWDFKPHQW KRVHV WRJHWKHU WR SUHYHQW K\GUDXOLF V\VWHP FRQWDPLQDWLRQ GXULQJ VWRUDJH +\GUDXOLF FRXSOHUV K\GUDXOLF OLQHV YDOYHV DQG K\GUDXOLF IOXLG PD\ EH KRW ,I \RX FRQWDFW KRW FRPSRQHQWV \RX PD\ EH EXUQHG ,QVWDOO WKH SURWHFWLYH FRYHUV RQWR WKH K\GUDXOLF FRXSOHUV RQ WKH WUDFWLRQ XQLW :HDU JORYHV ZKHQ RSHUDWLQJ WKH K\GUDXOLF FRXSOHUV $OORZ WKH WUDFWLRQ XQLW
0DLQWHQDQFH 6HUYLFH ,QWHUYDO 0DLQWHQDQFH 3URFHGXUH KRXUV KRXUV &KDQJH HQJLQH RLO ILOWHU HYHU\ RWKHU RLO FKDQJH &KHFN HQJLQH VSHHG USP LGOH DQG IXOO WKURWWOH &KHFN VSDUN SOXJV KRXUV &KDQJH K\GUDXOLF ILOWHU ,QVSHFW IXHO OLQHV IRU OHDNV &KDQJH K\GUDXOLF RLO 5HSODFH WKH IXHO ILOWHU 7RXFK XS FKLSSHG SDLQW
P )LJXUH P )LJXUH $LU FOHDQHU FRYHU )RDP HOHPHQW .
&KHFNLQJ WKH 3DSHU (OHPHQW $SSO\ RLO WR QHZO\ H[SRVHG XQOXEHG FKDLQ VSDQV ,QVSHFW WKH HOHPHQW IRU WHDUV DQ RLO\ ILOP GDPDJH WR WKH UXEEHU VHDO H[FHVVLYH GLUW RU RWKHU GDPDJH )LJ ,I DQ\ RI WKHVH FRQGLWLRQV H[LW UHSODFH WKH ILOWHU &KHFNLQJ WKH 7HQVLRQ &KHFN WKH GULYH FKDLQ WHQVLRQ EHIRUH XVLQJ WKH WUDFWLRQ XQLW IRU WKH ILUVW WLPH DQG HYHU\ KRXUV RI XVH WKHUHDIWHU ,PSRUWDQW 'R QRW FOHDQ WKH SDSHU HOHPHQW ZLWK SUHVVXUL]HG DLU RU OLTXLGV VXFK DV VROYHQW JDV RU NHURVHQH 7KH GULYH FKD
/RRVHQ WKH QXWV VHFXULQJ WKH D[OH UHWDLQLQJ EUDFNHW )LJ 2LO 7\SH 'HWHUJHQW RLO $3, VHUYLFH 6* 6+ 6- RU KLJKHU /RRVHQ WKH MDP QXW RQ WKH FKDLQ WHQVLRQLQJ EROW DQG ORRVHQ WKH EROW )LJ &UDQNFDVH &DSDFLW\ Z ILOWHU TW O 9LVFRVLW\ 6HH WDEOH EHORZ 86( 7+(6( 6$( 9,6&26,7< 2,/6 : : : : P )LJXUH $[OH UHWDLQLQJ EUDFNHW &KDLQ WHQVLRQLQJ EROW 1XW -DP QXW ) &
1RWH 'LVSRVH RI WKH XVHG RLO DW D FHUWLILHG UHF\FOLQJ FHQWHU P )LJXUH P )LJXUH 2LO ILOWHU *DVNHW $GDSWHU 2LO GUDLQ YDOYH ,QVWDOO WKH UHSODFHPHQW RLO ILOWHU WR WKH ILOWHU DGDSWHU 7XUQ WKH RLO ILOWHU FORFNZLVH XQWLO WKH UXEEHU JDVNHW FRQWDFWV WKH ILOWHU DGDSWHU WKHQ WLJKWHQ WKH ILOWHU DQ DGGLWLRQDO WXUQ )LJ 5HPRYH WKH RLO ILOO FDS DQG VORZO\ SRXU DSSUR[LPDWHO\ RI WKH VSHFLILHG DPRXQW RI RLO LQ WKURXJK WKH YDOYH FRYHU )LOO WKH
,PSRUWDQW 'R QRW DOORZ WKH HOHFWURO\WH WR JHW EHORZ WKH SODWHV )LJ :DUQLQJ &KDUJLQJ WKH EDWWHU\ SURGXFHV JDVVHV WKDW FDQ H[SORGH 1HYHU VPRNH QHDU WKH EDWWHU\ DQG NHHS VSDUNV DQG IODPHV DZD\ IURP EDWWHU\ 6HUYLFLQJ WKH 6SDUN 3OXJV )LJXUH )LOOHU FDSV /RZHU SDUW RI WXEH &KHFN WKH VSDUN SOXJV DIWHU HYHU\ RSHUDWLQJ KRXUV (QVXUH WKDW WKH DLU JDS EHWZHHQ WKH FHQWHU DQG VLGH HOHFWURGHV LV FRUUHFW EHIRUH LQVWDOOLQJ HDFK VSDUN SOXJ 8VH D VSDUN SOXJ ZUHQFK IRU UHPRYLQJ
,QVWDOO WKH UHSODFHPHQW K\GUDXOLF ILOWHU RQWR WKH ILOWHU DGDSWHU 7LJKWHQ LW FORFNZLVH XQWLO WKH UXEEHU JDVNHW FRQWDFWV WKH ILOWHU DGDSWHU WKHQ WLJKWHQ WKH ILOWHU DQ DGGLWLRQDO WXUQ )LJ &KHFN WKH JDS EHWZHHQ WKH FHQWHU DQG VLGH HOHFWURGHV )LJ %HQG WKH VLGH HOHFWURGH )LJ LI WKH JDS LV QRW FRUUHFW &OHDQ XS DQ\ VSLOOHG IOXLG 6WDUW WKH HQJLQH DQG OHW LW UXQ IRU DERXW WZR PLQXWHV WR SXUJH DLU IURP WKH V\VWHP 6WRS WKH HQJLQH DQG FKHFN IRU OHDNV LQ
1RWH 'LVSRVH RI XVHG RLO DW D FHUWLILHG UHF\FOLQJ FHQWHU 5HPRYH DQG VWRUH WKH F\OLQGHU ORFNV UHIHU WR 8VLQJ WKH &\OLQGHU /RFNV SDJH DQG ORZHU WKH ORDGHU DUPV &KHFNLQJ +\GUDXOLF /LQHV $IWHU HYHU\ RSHUDWLQJ KRXUV FKHFN WKH K\GUDXOLF OLQHV DQG KRVHV IRU OHDNV ORRVH ILWWLQJV NLQNHG OLQHV ORRVH PRXQWLQJ VXSSRUWV ZHDU ZHDWKHU DQG FKHPLFDO GHWHULRUDWLRQ 5HSODFH DOO PRYLQJ K\GUDXOLF KRVHV HYHU\ KRXUV RU \HDUV ZKLFK HYHU FRPHV ILUVW 0DNH QHFHVVDU\ UHSDLUV EHIRUH RSHUDWLQJ P
&KHFN WKH WLUH SUHVVXUH UHIHU WR 7LUH 3UHVVXUH SDJH 1RWH 1RZ LV WKH EHVW WLPH WR LQVWDOO D QHZ IXHO ILOWHU EHFDXVH WKH IXHO WDQN LV HPSW\ ,QVWDOO WKH IXHO OLQH RQWR WKH IXHO ILOWHU &KDUJH WKH EDWWHU\ UHIHU WR 6HUYLFLQJ WKH %DWWHU\ SDJH 6OLGH WKH KRVH FODPS FORVH WR WKH IXHO ILOWHU WR VHFXUH WKH IXHO OLQH )RU VWRUDJH RYHU GD\V SUHSDUH WKH WUDFWLRQ XQLW DV IROORZV $ $GG D SHWUROHXP EDVHG VWDELOL]HU FRQGLWLRQHU WR IXHO LQ WKH WDQN )ROORZ PL[LQJ LQVWUXFWLRQV IURP VWD
352%/(0 (QJLQH J ZLOO QRW VWDUW VWDUWV KDUG RU I LO WWR NNHHS UXQQLQJ IDLOV L 3266,%/( &$86(6 &255(&7,9( $&7,21 )XHO WDQNV DUH HPSW\ )LOO IXHO WDQNV ZLWK JDVROLQH &KRNH LV QRW RQ 0RYH FKRNH OHYHU IXOO\ IRUZDUG $LU FOHDQHU LV GLUW\ &OHDQ RU UHSODFH DLU FOHDQHU HOHPHQW 6SDUN SOXJ ZLUHV DUH ORRVH RU GLVFRQQHFWHG ,QVWDOO ZLUHV RQ VSDUN SOXJV 6SDUN SOXJV DUH SLWWHG IRXOHG RU JDS LV LQFRUUHFW ,QVWDOO QHZ FRUUHFWO\ JDSSHG VSDUN SOXJV 'LUW LQ IXHO ILOW
352%/(0 :KHQ DW UHVW ORDGHU DUPV VHWWOH G GRZQZDUG G µ TXLFNO\ L NO DQG G WK WKHQ VWRS 3266,%/( &$86(6 &255(&7,9( $&7,21 &\OLQGHU VHDOV DUH OHDNLQJ 5HSODFH VHDOV &\OLQGHU UHSKDVH YDOYH LV OHDNLQJ &RQWDFW 6HUYLFH 'HDOHU
7KH 7RUR 'LQJRX 3URGXFW /LQH :DUUDQW\ $ 2QH