)RUP 1R 5HY % &&5Z *76X &&5Z *76X 6QRZWKURZHU 0RGHO 1R ³ DQG 8S 0RGHO 1R ³ DQG 8S 0RGHO 1R ³ DQG 8S 0RGHO 1R ³ DQG 8S 2SHUDWRU·V 0DQXDO 'RPHVWLF (QJOLVK (1
&RQWHQWV ,QWURGXFWLRQ 6DIHW\ *HQHUDO 6QRZWKURZHU 6DIHW\ 7RUR 6QRZWKURZHU 6DIHW\ 6DIHW\ DQG ,QVWUXFWLRQ 'HFDOV $VVHPEO\ /RRVH 3DUWV 8QIROGLQJ WKH +DQ
&$87,21 VLJQDOV D KD]DUG WKDW PD\ FDXVH PLQRU RU PRGHUDWH LQMXU\ LI \RX GR QRW IROORZ WKH UHFRPPHQGHG SUHFDXWLRQV ([HUFLVH FDXWLRQ WR DYRLG VOLSSLQJ RU IDOOLQJ HVSHFLDOO\ ZKHQ RSHUDWLQJ LQ UHYHUVH 7KLV PDQXDO XVHV WZR RWKHU ZRUGV WR KLJKOLJKW LQIRUPDWLRQ ,PSRUWDQW FDOOV DWWHQWLRQ WR VSHFLDO PHFKDQLFDO LQIRUPDWLRQ DQG 1RWH HPSKDVL]HV JHQHUDO LQIRUPDWLRQ ZRUWK\ RI VSHFLDO DWWHQWLRQ 3UHSDUDWLRQ 6DIHW\ 'LVHQJDJH DOO FOXWFKHV DQG VKLIW LQWR QHXWUDO EHIRUH VWDUWLQJ WKH HQJLQH 7KLV VQRZWKURZHU PRGH
,I WKH XQLW VKRXOG VWDUW WR YLEUDWH DEQRUPDOO\ VWRS WKH HQJLQH DQG FKHFN LPPHGLDWHO\ IRU WKH FDXVH 9LEUDWLRQ LV JHQHUDOO\ D ZDUQLQJ RI WURXEOH $OZD\V UHIHU WR WKLV RSHUDWRU·V PDQXDO IRU LPSRUWDQW GHWDLOV LI WKH VQRZWKURZHU LV WR EH VWRUHG IRU DQ H[WHQGHG SHULRG 6WRS WKH HQJLQH ZKHQHYHU \RX OHDYH WKH RSHUDWLQJ SRVLWLRQ EHIRUH XQFORJJLQJ WKH DXJHU LPSHOOHU KRXVLQJ RU GLVFKDUJH FKXWH DQG ZKHQ PDNLQJ DQ\ UHSDLUV DGMXVWPHQWV RU LQVSHFWLRQV 0DLQWDLQ RU UHSODFH VDIHW\ DQG LQVWUXFWLRQ ODEHOV ZKH
7R HQVXUH WKH EHVW SHUIRUPDQFH DQG VDIHW\ SXUFKDVH RQO\ JHQXLQH 7RUR UHSODFHPHQW SDUWV DQG DFFHVVRULHV DZD\ IURP WKH SOXJ WR SUHYHQW VRPHRQH IURP DFFLGHQWDOO\ VWDUWLQJ WKH HQJLQH ,I PDMRU UHSDLUV DUH HYHU QHHGHG FRQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 'R QRW FKDQJH WKH JRYHUQRU VHWWLQJV RQ WKH HQJLQH :KHQ VWRULQJ WKH VQRZWKURZHU IRU PRUH WKDQ GD\V GUDLQ WKH JDVROLQH IURP WKH IXHO WDQN WR SUHYHQW D SRWHQWLDO KD]DUG 6WRUH JDVROLQH LQ DQ DSSURYHG IXHO FRQWDLQHU 5HPRYH WKH NH\ IURP WKH LJQLWLR
$VVHPEO\ 1RWH 'HWHUPLQH WKH OHIW DQG ULJKW VLGHV RI WKH VQRZWKURZHU E\ VWDQGLQJ LQ WKH QRUPDO RSHUDWLQJ SRVLWLRQ /RRVH 3DUWV '(6&5,37,21 47< &DUULDJH EROWV /RFNQXWV :DVKHUV 'LVFKDUJH FKXWH 3ODVWLF EXVKLQJ &DS VFUHZV /RFNQXWV &KXWH FUDQN DQG PRXQWLQJ EUDFNHW 86( ,QVWDOOLQJ WKH GLVFKDUJH FKXWH ,QVWDOOLQJ WKH FKXWH FUDQN 0RGHOV DQG RQO\ 8QIROGLQJ WKH +DQGOH &XW WKH WLH WKDW VHFXUHV WKH FRQWURO FDEOH WR WKH KDQGOH /RRVHQ WKH NQREV DQG SXOO RXW WKH KDQG
P )LJXUH 7RS KROH &RQWURO EDU EUDFNHW %RWWRP KROH 6SULQJ FRYHU WR LQFK &RQWURO FDEOH WR PP JDS P )LJXUH )XOO\ LQVHUW WKH KDQGOH ORFNV 7LJKWHQ WKH NQREV XQWLO WKH\ DUH VQXJ (QVXUH WKDW D WR LQFK WR PP JDS H[LVWV EHWZHHQ WKH FRQWURO EDU DQG WKH KDQGOH 5HIHU WR $GMXVWLQJ WKH &RQWURO &DEOH RQ SDJH &DUULDJH EROW &KXWH KDQGOH &KXWH ULQJ :DVKHU 'LVFKDUJH
%HIRUH 6WDUWLQJ ,QVWDOO D FDUULDJH EROW DQG D ORFNQXW WKURXJK WKH FHQWHU KROHV ZLWK WKH ORFNQXW RQ WKH RXWVLGH )LJ 1RWH
1RWH 8VH D IXHO VWDELOL]HU FRQGLWLRQHU IRU DOO 7RUR JDVROLQH SRZHUHG SURGXFWV GXULQJ RSHUDWLRQ DQG VWRUDJH $ IXHO VWDELOL]HU FRQGLWLRQHU FOHDQV WKH HQJLQH GXULQJ RSHUDWLRQ DQG SUHYHQWV JXP OLNH YDUQLVK GHSRVLWV IURP IRUPLQJ LQ WKH HQJLQH GXULQJ VWRUDJH $ IXHO VWDELOL]HU FRQGLWLRQHU ZRUNV EHVW ZKHQ \RX PL[ LW ZLWK IUHVK JDVROLQH ,I \RX XVH 7RUR +HDY\ 'XW\ $OO 6HDVRQ &\FOH (QJLQH 2LO ZLWK )XHO 6WDELOL]HU \RX GR QRW QHHG WR DGG D IXHO VWDELOL]HU FRQGLWLRQHU '$1*(5 327(17,$/ +$=$5' ,Q FHUWDLQ FR
)RU D UHFRLO VWDUWHU +ROG WKH VQRZWKURZHU ZLWK RQH KDQG DQG SXOO WKH UHFRLO VWDUWHU YLJRURXVO\ ZLWK WKH RWKHU KDQG &OHDQ DURXQG WKH IXHO WDQN FDS 5HPRYH WKH IXHO WDQN FDS DQG ILOO WKH IXHO WDQN ZLWK WKH JDVROLQH DQG RLO PL[WXUH WR ZLWKLQ LQFK PP IURP WKH WRS RI WKH WDQN 'R QRW ILOO LQWR WKH ILOOHU QHFN )RU DQ HOHFWULF VWDUWHU $ &RQQHFW WKH SRZHU FRUG WR WKH VQRZWKURZHU DQG WR D VWDQGDUG KRXVHKROG SRZHU RXWOHW ,QVWDOO WKH IXHO WDQN FDS VHFXUHO\ DQG ZLSH XS DQ\ VSLOOHG IXHO &$87
6WRSSLQJ WKH 5RWRU %ODGHV 5HOHDVH WKH FRQWURO EDU WR VWRS WKH URWRU EODGHV 1RWH :KHQ \RX UHOHDVH WKH FRQWURO EDU WKH URWRU EODGHV VWRS EXW WKH HQJLQH FRQWLQXHV WR UXQ $GMXVWLQJ WKH 'LVFKDUJH &KXWH 0RGHOV DQG RQO\ )LJXUH 0RYH WKH FKXWH KDQGOH OHIW DQG ULJKW WR DGMXVW WKH GLUHFWLRQ RI WKH VQRZ VWUHDP )LJ 7KH FKXWH GHIOHFWRU KDQGOH RQ WRS RI WKH GLVFKDUJH FKXWH FRQWUROV WKH KHLJKW RI WKH VQRZ VWUHDP 'R QRW RYHUWLJKWHQ WKH FKXWH GHIOHFWRU PRXQWLQJ ORFNQXWV
$IWHU FOHDULQJ WKH VQRZ OHW WKH HQJLQH UXQ IRU D IHZ PLQXWHV WR SUHYHQW PRYLQJ SDUWV IURP IUHH]LQJ 6KXW RII WKH HQJLQH DQG UHPRYH DOO LFH DQG VQRZ IURP WKH VQRZWKURZHU ,Q VQRZ\ DQG FROG FRQGLWLRQV VRPH FRQWUROV DQG PRYLQJ SDUWV PD\ IUHH]H 'R QRW XVH H[FHVVLYH IRUFH ZKHQ WU\LQJ WR RSHUDWH IUR]HQ FRQWUROV ,I \RX KDYH GLIILFXOW\ RSHUDWLQJ DQ\ FRQWURO RU SDUW VWDUW WKH HQJLQH DQG OHW LW UXQ IRU D IHZ PLQXWHV 2Q PRGHOV DQG 2SHUDWH WKH FKXWH FUDQN VHYHUDO WLPHV WR UHPRYH DQ\ LFH DQG V
&KHFN WKH DGMXVWPHQW UHIHU WR VWHSV DQG DERYH & 8QKRRN WKH = ILWWLQJ IURP WKH FDEOH DGMXVWHU )LJ DQG SRVLWLRQ WKH = ILWWLQJ LQ D KLJKHU RU ORZHU KROH RQ WKH DGMXVWHU WR REWDLQ D SURSHU JDS RI WR LQFK WR PP EHWZHHQ WKH FRQWURO EDU EUDFNHW DQG WKH KDQGOH )LJ $IWHU H[WHQGHG XVH WKH GULYH EHOW PD\ ZHDU DQG ORVH LWV SURSHU EHOW WHQVLRQ ,PSURSHU EHOW WHQVLRQ FDXVHV WKH EHOW WR VOLS DQG GHFUHDVHV WKH SHUIRUPDQFH XQGHU D KHDY\ ORDG %HOW VOLSSDJH PD\ RFFXU DIWHU WZR RU WK
5HPRYH WKH VFUDSHU E\ VOLGLQJ LW WR WKH ULJKW DQG GRZQ ,QVWDOO WKH QHZ VFUDSHU WR WKH KRXVLQJ XVLQJ WKH FDUULDJH EROWV DQG WKH ORFNQXWV &RQQHFW WKH ZLUH WR WKH VSDUN SOXJ ,QVWDOO WKH FRQWURO SDQHO ZLWK WKH VFUHZV ,QVHUW WKH NH\ LQ WKH VZLWFK 5HSODFLQJ WKH 5RWRU %ODGHV )LJXUH &RQWURO SDQHO %HIRUH HDFK VHDVRQ LQVSHFW WKH URWRU EODGHV IRU ZHDU :KHQ D URWRU EODGH HGJH KDV ZRUQ WR WKH ZHDU LQGLFDWRU KROH )LJ UHSODFH ERWK URWRU EODGHV WR HQVXUH SURSHU SHUIR
)LJXUH 5RWRU EODGH 7RU[ VFUHZ +H[ KHDG FDS VFUHZ $XJHU VKDIW DVVHPEO\ 5RWRU KDOI /RFNQXW 6SDFHU +H[ KHDG VFUHZ 5HPRYH WKH WZR KH[ KHDG FDS VFUHZV WZR VSDFHUV DQG WZR ORFNQXWV WKDW VHFXUH WKH FHQWHU RI WKH EODGH WR WKH URWRU KDOYHV )LJ /RRVHQ WKH KH[ KHDG VFUHZ WKDW VHFXUHV WKH URWRU KDOYHV WR WKH DXJHU VKDIW DVVHPEO\ )LJ 6OLGH WKH EODGH RXW IURP EHWZHHQ WKH URWRU KDOYHV )LJ ,QVWDOOLQJ D 1HZ %ODGH ([DPL
5HPRYH WKH WKUHH VFUHZV WKDW VHFXUH WKH FRQWURO SDQHO WR WKH KRXVLQJ )LJ 6HFXUH WKH URWRU EODGH WR WKH URWRU KDOYHV ZLWK WZR KH[ KHDG FDS VFUHZV WZR VSDFHUV DQG WZR ORFNQXWV SRVLWLRQLQJ WKH EROW KHDGV RQ WKH WKLFN VLGH RI WKH EODGH )LJ /LIW RII WKH FRQWURO SDQHO DQG DOORZ LW WR KDQJ RQ WKH UHFRLO URSH &XUYH WKH URWRU EODGH DQG VHFXUH LW ZLWK WKH UHPDLQLQJ WRU[ VFUHZV DQG ORFNQXWV SRVLWLRQLQJ WKH VFUHZ KHDGV RQ WKH WKLFN VLGH RI WKH EODGH )LJ 'LVFRQQHFW WKH ZLUH IURP
,QVWDOO WKH GULYH EHOW FRYHU 7LJKWHQ WKH IDVWHQHUV VHFXUHO\ EXW GR QRW RYHUWLJKWHQ 5HPRYH WKH NH\ IURP WKH VZLWFK 5HPRYH WKH IXHO WDQN FDS DQG XVH D SXPS W\SH V\SKRQ WR GUDLQ WKH IXHO LQWR D FOHDQ JDVROLQH FRQWDLQHU &RQQHFW WKH ZLUH WR WKH VSDUN SOXJ ,QVHUW WKH NH\ LQ WKH VZLWFK 6WDUW WKH HQJLQH DQG DOORZ LW WR UXQ XQWLO LW FRQVXPHV DOO WKH IXHO LQ WKH IXHO WDQN DQG VWRSV UXQQLQJ 5HSHDW WKLV VWHS WZR PRUH WLPHV WR UHPRYH DOO WKH IXHO LQ WKH IXHO WDQN DQG FDUEXUHWRU (PSW\LQJ
352%/(0 (QJLQH UXQV URXJK (QJLQH UXQV EXW WKH VQRZWKURZHU GLVFKDUJHV VQRZ SRRUO\ RU QRW DW DOO 6QRZWKURZHU GRHV QRW SURSHUO\ FOHDU VQRZ RII WKH VXUIDFH 3266,%/( &$86(6 &255(&7,9( $&7,21 7KH FKRNH LV LQ WKH 2Q SRVLWLRQ 0RYH WKH FKRNH WR WKH 2II SRVLWLRQ 7KH IXHO V\VWHP FRQWDLQV VWDOH IXHO 'UDLQ DQG ILOO WKH IXHO WDQN ZLWK D IUHVK JDVROLQH DQG RLO PL[WXUH QRW PRUH WKDQ GD\V ROG ,I WKH SUREOHP SHUVLVWV FRQWDFW \RXU $XWKRUL]HG 6HUYLFH 'HDOHU 7KH VSDUN SOXJ ZLUH LV ORRVH &
352%/(0 3266,%/( &$86(6 6QRZWKURZHU GRHV QRW VHOI SURSHO 7KH IURQW RI WKH VQRZWKURZHU LV QRW GRZQ /LIW XS RQ WKH KDQGOH WR KROG GRZQ WKH IURQW RI WKH VQRZWKURZHU 7KH URWRU EODGHV DUH H[FHVVLYHO\ ZRUQ 5HSODFH WKH URWRU EODGHV 7KH FRQWURO FDEOH LV LPSURSHUO\ DGMXVWHG PRGHOV ZLWK FOXWFK RQO\ $GMXVW WKH FRQWURO FDEOH 5RWRU EODGHV GR QRW VWRS SURSHUO\ &255(&7,9( $&7,21 6WRUDJH 1RWH 'R QRW VWRUH VWDELOL]HG JDVROLQH IRU PRUH WKDQ GD\V ,03257$17 6WRUH WKH VQRZWKURZHU LQ L
)HGHUDO DQG &DOLIRUQLD (PLVVLRQ &RQWURO :DUUDQW\ 6WDWHPHQW $ 7ZR
0LVFHOODQHRXV ,WHPV 8VHG LQ WKH $ERYH 6\VWHPV SDUW LV GHIHFWLYH LI WKH GLDJQRVWLF ZRUN LV SHUIRUPHG DW D ZDUUDQW\ VWDWLRQ 9DFXXP WHPSHUDWXUH DQG WLPH VHQVLWLYH YDOYHV DQG VZLWFKHV (OHFWURQLF FRQWUROV +RVHV FRQQHFWRUV DQG DVVHPEOLHV RI VDPH +RZ WR *HW :DUUDQW\ 6HUYLFH *HQHUDO &RQGLWLRQV 1HLWKHU 7KH 7RUR &RPSDQ\ QRU 7RUR :DUUDQW\ &RPSDQ\ LV OLDEOH IRU LQGLUHFW LQFLGHQWDO RU FRQVHTXHQWLDO GDPDJHV LQ FRQQHFWLRQ ZLWK WKH XVH RI WKH 7RUR 3URGXFWV FRYHUHG E\ WKLV ZDUUDQW\ H[FHSW 6KRXOG \
*DV 3RZHUHG 6QRZ 3URGXFWV 7KH 7RUR 7RWDO &RYHUDJH *XDUDQWHH $ 7ZR