
1$
3ULPLQJWKHZDWHUFLUFXLW
%HIRUHVWDUWLQJWKHPDFKLQHDIWHUORQJSHULRGV
RILQDFWLYLW\LIWKHZDWHUWDQNKDVEHHQFRPSOHWHO\
HPSWLHGLWLVHVVHQWLDOWRSULPHWKHPDFKLQHFLUFXLW
7KHFLUFXLWPXVWEHDOVRSULPHGHYHU\WLPHWKHGLVSOD\
VKRZV
9(17,/$7(
7RSULPHWKHFLUFXLW
GLUHFWWKHVWHDPVSRXW
RYHUWKHGULSWUD\
3ODFHDFXSRUVXLWDEOH
FRQWDLQHUEHORZWKH
VWHDPVSRXWDQGSUHVV
WKH NH\
:DLWXQWLOWKHZDWHUUXQVVPRRWKO\RXWRIWKHVWHDP
VSRXW7RLQWHUUXSWSUHVVWKH NH\
$IWHUWKHDERYHRSHUDWLRQVKDYHEHHQFRPSOHWHGWKH
PDFKLQHLVUHDG\IRUXVH
7RGLVSHQVHFRIIHHKRWZDWHURUVWHDPDQGIRUSURSHU
XVHRIWKHPDFKLQHFDUHIXOO\IROORZWKHLQVWUXFWLRQV
WKDWDUHSURYLGHG
5HJXODWLQJZDWHUKDUGQHVV
5HJXODWHWKHPDFKLQHWRWKHULJKWGHJUHHRIZDWHU
KDUGQHVVWKDW\RXZLOOXVH
$FFRUGLQJWRWKLVVHWWLQJWKHPDFKLQHDGYLVHVZKHQLW
LVQHFHVVDU\WRUXQDGHVFDOLQJF\FOH
5HDGWKHVHFWLRQVRQ´:DWHUKDUGQHVVµLQ´3URJUDP
PLQJµWRUHJXODWHKDUGQHVV
*ULQGLQJUHJXODWLRQ
7DNHFDUHZKHQURWDWLQJWKHNQREWKDWUHJXODWHV
JULQGLQJZKLFKLVORFDWHGDERYHWKHEUHZLQJXQLW'R
QRWSXWJURXQGDQGRUIUHH]HGULHGFRIIHHLQWKHEHDQ
FRQWDLQHU
'RQRWSXWDQ\PDWHULDORWKHUWKDQFRIIHHEHDQVLQ
WKHFRQWDLQHU
6ZLWFKRIIDWWKHPDLQVEHIRUHFDUU\LQJRXWDQ\W\SHRI
RSHUDWLRQLQVLGHWKHPDFKLQH
7KHTXDOLW\DQGIODYRXURIFRIIHHGHSHQGRQWKH
JULQGLQJOHYHODVZHOODVWKHEOHQGXVHG
7KHPDFKLQHKDVDNQREWRUHJXODWHWKHFRIIHH
JULQGLQJ
7RUHJXODWHWKHJULQGLQJ
WXUQWKHNQRERQH
VHWWLQJDWDWLPH7KH
ILJXUHVLQGLFDWHWKH
ILQHQHVVRIWKHJULQG
7KHPDQXIDFWXUHU
FRQILJXUHVHDFK
DSSOLDQFHRQDQ
LQWHUPHGLDWHJULQGLQJ
VHWWLQJ,IWKHJULQGLV
WRRILQHURWDWHWKHNQREWRDKLJKHUVHWWLQJLIWKHJULQG
LVWRRFRDUVHWXUQWKHNQREWRDORZHUVHWWLQJ
7KHYDULDWLRQLQJULQGZLOORQO\EHVHHQDIWHURQHRUWZR
FRIIHHVKDYHEHHQEUHZHG
8VHFRIIHHEHDQEOHQGVIRUHVSUHVVRPDFKLQHV7U\
QRWWRXVHKLJKJULQGLQJVHWWLQJVHJ8VH
GLIIHUHQWFRIIHHEOHQGVIRUWKHVHVHWWLQJV.HHSWKH
FRIIHHLQDIUHVKSODFHLQDVHDOHGDLUWLJKWFRQWDLQHU
*ULQGLQJPXVWRQO\EHUHJXODWHGLIFRIIHHLVQRWEUHZHG
SURSHUO\
LILWLVEUHZHGWRRIDVWWKLVPHDQVWKDWWKHJULQGLV
WRRFRDUVHWXUQWKHNQREWRDORZHUVHWWLQJ
LILWLVEUHZHGLQGULSVDQGRULQWHUPLWWHQWO\WKLV
PHDQVWKDWWKHJULQGLVWRRILQHWXUQWKHNQREWRD
KLJKHUVHWWLQJ