Kenmore SOFTENERS-175-180 User manual

6$9( 7+,6 0$18$/
8VH WKH SODVWLF EDJ DQG WLH SURYLGHG WR KDQJ PDQXDOV
QHDUE\ WKH VRIWHQHU IRU IXWXUH UHIHUHQFH
:DWHU 6RIWHQHUV
X:DUUDQW\
X6WDUW 8S  6HWWLQJ 7LPHU
X+RZ ,W :RUNV
X&DUH 2I
X6SHFLILFDWLRQV
X5HSDLU 3DUWV
6HDUV 5RHEXFN DQG &R  %HYHUO\ 5RDG +RIIPDQ (VWDWHV ,/   86$
2:1(5·6
0$18$/
02'(/ 126
8OWUD6RIW 
 
8OWUD6RIW 
 
&DXWLRQ
5HDG DQG )ROORZ
$OO 6DIHW\ 5 OHV DQG
2SHUDWLQJ ,QVWU FWLRQV
%HIRUH )LUVW 8VH RI
7KLV 3URG FW
,I \R KDYH T HVWLRQV ZKHQ
LQVWDOOLQJ RSHUDWLQJ RU PDLQ
WDLQLQJ \R U VRIWHQHU DQG
ZKHQ VHWWLQJ WKH WLPHU FDOO
WKLV WROOIUHH Q PEHU
35,17(' ,1 86$
 
ZZZ.HQPRUH:DWHUFRP
ZLWK 'HOX[H 9DOYH
 5HY $  
)RU UHSDLU RU UHSODFHPHQW
SDUWV FDOO WKLV WROOIUHH Q P
EHU
 
0  )  DP   SP &67
6HH EDFN FRYHU IRU RWKHU
6HDUV VHUYLFH Q PEHUV

6($56 5(6,'(17,$/ :$7(5 62)7(1(5
)8// 21( <($5 :$55$17< 21 :$7(5 62)7(1(5
)RU RQH \HDU IURP WKH GDWH RI S UFKDVH ZKHQ WKLV ZDWHU VRIWHQHU LV LQVWDOOHG DQG
PDLQWDLQHG LQ DFFRUGDQFH ZLWK R U LQVWU FWLRQV 6HDUV ZLOO UHSDLU IUHH RI FKDUJH
GHIHFWV LQ PDWHULDO RU ZRUNPDQVKLS LQ WKLV ZDWHU VRIWHQHU
)8// 7(1 <($5 :$55$17< $*$,167 /($.6
)RU WHQ \HDUV IURP WKH GDWH RI S UFKDVH 6HDUV ZLOO I UQLVK DQG LQVWDOO D QHZ F UUHQW
PRGHO ZDWHU VRIWHQHU WDQN RU VDOW VWRUDJH GU P IUHH RI FKDUJH LI HLWKHU WKH WDQN
RU GU P GHYHORS D OHDN
72 2%7$,1 :$55$17< 6(59,&( 6,03/< &217$&7 7+( 1($5(67 6($56
6(59,&( &(17(5 7+528*+287 7+( 81,7(' 67$7(6 7KLV ZDUUDQW\ DS
SOLHV RQO\ ZKLOH WKLV SURG FW LV LQ VH LQ WKH 8QLWHG 6WDWHV
7KLV ZDUUDQW\ JLYHV \R VSHFLILF OHJDO ULJKWV DQG \R PD\ KDYH RWKHU ULJKWV ZKLFK
YDU\ IURP VWDWH WR VWDWH
6HDUV 5RHE FN DQG &R ' :$ +RIIPDQ (VWDWHV ,/ 
:$55$17<
$
,I \RX ZDQW \RXU ZDWHU VRIWHQHU SURIHVVLRQDOO\ LQVWDOOHG WDON WR \RXU 6HDUV 6DOHVPDQ +H ZLOO DUUDQJH IRU D
SURPSW TXDOLW\ LQVWDOODWLRQ E\ 6HDUV $XWKRUL]HG ,QVWDOOHUV
6($56 ,167$//$7,21 32/,&<
$OO LQVWDOODWLRQ ODERU DUUDQJHG E\ 6HDUV VKDOO EH SHU
IRUPHG LQ D QHDW ZRUNPDQOLNH PDQQHU LQ DFFRU
GDQFH ZLWK JHQHUDOO\ DFFHSWHG WUDGH SUDFWLFHV )XU
WKHU DOO LQVWDOODWLRQV VKDOO FRPSO\ ZLWK DOO ORFDO
ODZV FRGHV UHJXODWLRQV DQG RUGLQDQFHV XVWRPHU
VKDOO DOVR EH SURWHFWHG GXULQJ LQVWDOODWLRQ E\ LQVXU
DQFH UHODWLQJ WR 3URSHUW\ 'DPDJH :RUNPDQ·V
RPSHQVDWLRQ DQG 3XEOLF /LDELOLW\
6($56 ,167$//$7,21 :$55$17<
,Q DGGLWLRQ WR DQ\ ZDUUDQW\ H[WHQGHG WR \RX RQ WKH
6HDUV PHUFKDQGLVH LQYROYHG ZKLFK ZDUUDQW\ EH
FRPHV HIIHFWLYH WKH GDWH WKH PHUFKDQGLVH LQ
LQVWDOOHG VKRXOG WKH ZRUNPDQVKLS RI DQ\ 6HDUV DU
UDQJHG LQVWDOODWLRQ SURYH IDXOW\ ZLWKLQ RQH \HDU
6HDUV ZLOO XSRQ QRWLFH IURP \RX FDXVH VXFK IDXOWV
WR EH FRUUHFWHG DW QR DGGLWLRQDO FRVW WR \RX
)$&76 $1' ),*85(6 72 .((3
)LOO LQ WKH EODQNV EHORZ DQG NHHS WKLV ERRN LQ D VDIH SODFH VR \RX DOZD\V KDYH
WKHVH IDFWV
:DWHU 6RIWHQHU 0RGHO 1R
6HULDO 1XPEHU
'DWH ,QVWDOOHG
:DWHU +DUGQHVV *UDLQV 3HU *DOORQ
,URQ RQWHQW 3DUWV 3HU 0LOOLRQ
S+ 7DVWH $QG2U 2GRU
:DWHU 3UHVVXUH 3RXQGV6TXDUH ,QFK
:DWHU )ORZ 5DWH *DOORQV 3HU 0LQXWH
UDWLQJ GHFDO
VDOW KROH FRYHU
 7KH PRGHOQXPEHU LVRQ WKHUDWLQJ GHFDOORFDWHG RQWKH ULPXQGHU WKHVDOW KROHFRYHU
:
$
5
5
$
1
7
<

7$%/( 2) &217(176
%
6(&7,21  :$7(5 62)7(1(5 67$57 83 3$*( 12
$ 6DIHW\ *XLGHV 
% KHFN /LVW RI 6WHS%\6WHS *XLGHV 7R ,QVWDOO 
3URJUDP7KH7LPHU  
' 6DQLWL]LQJ 7KH :DWHU 6RIWHQHU 
( $GG 6DOW WR WKH 6WRUDJH 7DQN 
6(&7,21  +2: <285 :$7(5 62)7(1(5 :25.6
$ )DFHSODWH 7LPHU )HDWXUHV 
% 6RIW :DWHU 6HUYLFH DQG 5HJHQHUDWLRQ  WR 
6(&7,21  &$5( 2) <285 :$7(5 62)7(1(5
$ 6DOW $GGLQJ WR 6WRUDJH 7DQN  6DOW %ULGJH 
% .HHSLQJ 7KH :DWHU 6RIWHQHU OHDQ 
 3URWHFW 7KH :DWHU 6RIWHQHU )URP )UHH]LQJ 
' KHFNOLVW 1RW *HWWLQJ 6RIW :DWHU 
6(&7,21  $%287 <285 :$7(5 62)7(1(5
$ 'LPHQVLRQV  6SHFLILFDWLRQV  
6(&7,21  6(59,&( 7(&+ ,1)250$7,21
$ 7URXEOHVKRRWLQJ  WR 
% 5RWDU\ 9DOYH 6HUYLFH 
 :DWHU )ORZ 7KURXJK 7KH 6RIWHQHU 9DOYH  WR 
6(&7,21  5(3$,5 3$576 )25 :$7(5 62)7(1(5
$ :DWHU 6RIWHQHU RPSOHWH 
% %ULQH 9DOYH $VVHPEO\ 
 9DOYH $VVHPEO\  
7
$
%
/
(
2
)
&
2
1
7
(
1
7
6

&$87,216
3/($6( 5($' $1' &203/< :,7+ 7+( )2//2:,1*
*8,'(6 72 35(9(17 '$0$*( 72 7+( 62)7(1(5
25 27+(5 3523(57< 3(5621$/ ,1-85< 25 326
6,%/( )$7$/ 6+2&.
V7+,6 62)7(1(5 :25.6 21  92/76 21/< %(
685( 72 86( 21/< 7+( 75$16)250(5 ,1&/8'('
$1' 3/8* ,7 ,172 $ 120,1$/ 9  &<&/(
+286(+2/' 287/(7 7+$7 ,6 *5281'(' $1'
3523(5/< 3527(&7(' %< $1 29(5&855(17 '(
9,&( 68&+ $6 $ &,5&8,7 %5($.(5 25 )86( ,)
75$16)250(5 ,6 5(3/$&(' 86( 21/< 7+( $8
7+25,=(' 6(59,&( &/$66 ,,  92/7  9$
75$16)250(5
V8QSOXJ WKH WUDQVIRUPHU ULJKW DZD\ LI WKH SRZHU
FDEOH VKRXOG EHFRPH GDPDJHG RU IUD\HG 0DNH UH
SDLUV RU UHSODFH WUDQVIRUPHU EHIRUH SOXJJLQJ EDFN
LQWR WKH SRZHU RXWOHW
V$OZD\V XQSOXJ WKH VRIWHQHU IURP HOHFWULFDO SRZHU
EHIRUH UHPRYLQJ RXWHU YDOYH FRYHUV
V7KLV V\VWHP LV QRW LQWHQGHG WR EH XVHG IRU WUHDWLQJ
ZDWHU WKDW LV PLFURELRORJLFDOO\ XQVDIH RU RI XQNQRZQ
TXDOLW\ ZLWKRXW DGHTXDWH GLVLQIHFWLRQ EHIRUH RU DIWHU
WKH V\VWHP
V5HDG DOO VWHSV JXLGHV DQG UXOHV FDUHIXOO\ EHIRUH
LQVWDOOLQJ DQG XVLQJ \RXU QHZ ZDWHU VRIWHQHU )ROORZ
DOO VWHSV H[DFWO\ WR FRUUHFWO\ LQVWDOO )DLOXUH WR IROORZ
WKHP FRXOG FDXVH SHUVRQDO LQMXU\ RU SURSHUW\ GDPDJH
5HDGLQJ WKLV ERRN ZLOO DOVR KHOS \RX WR JHW DOO RI WKH
EHQHILWV IURP \RXU ZDWHU VRIWHQHU
V<RXU ZDWHU VRIWHQHU ZLOO UHPRYH KDUGQHVV PLQHUDOV
DQG ´FOHDU ZDWHUµ LURQ IURP ZDWHU XS WR WKH OLPLWV
VKRZQ RQ SDJH  ,W ZLOO QRW UHPRYH RWKHU W\SHV RI
LURQ DFLGV WDVWHV DQG RGRUV HWF ,W ZLOO QRW SXULI\ SRO
OXWHG ZDWHU RU PDNH LW VDIH WR GULQN
V3URWHFW WKH VRIWHQHU DQG SLSLQJ IURP IUHH]LQJ 'DP
DJH IURP IUHH]LQJ YRLGV WKH VRIWHQHU ZDUUDQW\ 6HH
SDJH  
:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
$ 6$)(7< *8,'(6
6
(
&
7
,
2
1


:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
% &+(&. /,67 2) 67(3%<67(3 *8,'(6 72 ,167$//
7REHVXUH\RXKDYHGRQHDOOWKHVWHSVWRLQVWDOOWKH
VRIWHQHU UHDG WKH IROORZLQJ OLVW 5HIHU WR WKH ,QVWDO
ODWLRQ 0DQXDO SDUW QR  IRU VWHSE\VWHS
JXLGHV
3DJH QXPEHUV UHIHUUHG WR DUH LQ WKH ,QVWDOODWLRQ
0DQXDO XQ HVV RWKHUZLVH QRWHG
T,V WKH KRXVH ZDWHU IORZ JRLQJ ,172 WKH VRIWHQHU
YDOYH ,1/(7" 7UDFH SLSLQJ WR EH VXUH6HH SDJHV
 DQG 
T,V WKH SOXPELQJ E\SDVV YDOYH RU  YDOYHV VHW IRU
6(59, (" %\SDVV YDOYHV VKRXOG DOZD\V UH
PDLQ LQ VRIW ZDWHU VHUYLFH SRVLWLRQ 3RVLWLRQ LQ
´E\SDVVµ RQO\ LI QHHGHG IRU VRIWHQHU UHSDLUV 6HH
),*  SDJH   RI WKLV PDQXDO
T,V WKH YDOYH GUDLQ KRVH FRQQHFWHG WKH ULJKW ZD\
DQG ZLWKRXW VKDUS EHQGV RU NLQNV WKDW FRXOG
VWRS RU UHGXFH ZDWHU IORZ" 6HH SDJH  LQ WKH
LQVWDOODWLRQ PDQXDO
3DJH QXPEHUV UHIHUUHG WR DUH LQ WKH ,QVWDOODWLRQ
0DQXDO XQ HVV RWKHUZLVH QRWHG
T,V WKH WUDQVIRUPHU SOXJJHG LQWR DQ LQVLGH DO
ZD\V OLYH JURXQGHG 9+] HOHFWULFDO RXW
OHW" 6HH SDJHV   DQG   LQ WKH LQVWDOODWLRQ
PDQXDO DQG WKH ZLULQJ VFKHPDWLF RQ SDJH   RI
WKLV PDQXDO
T%H VXUH WRUHVWDUW WKH ZDWHU KHDWHU 6HH SDJH
&D LIRUQLD (IILFLHQF\ 5HTXLUHPHQW
<RXU .HQPRUH :DWHU 6RIWHQHU KDV D ´+LJK (IIL
FLHQF\µ IHDWXUH ZLWK DQ ´21µ RU ´2))µ VHWWLQJ
7KLV VRIWHQHU VHWWLQJ LV VKLSSHG LQ WKH ´2))µ
SRVLWLRQ ZKLFK XWLOL]HV WKH PD[LPXP UDWHG FD
SDFLW\ ZKLOH PRVW RIWHQ DFKLHYLQJ PD[LPXP VDOW
HIILFLHQFLHV :KHQ LQVWDOOLQJ WKLV XQLW LQ WKH 6WDWH
RI DOLIRUQLD \RX 0867 WXUQ WKLV VHWWLQJ WR WKH
´21µ SRVLWLRQ ZKLFK PD\ LQLWLDWH PRUH IUHTXHQW
UHFKDUJHV KRZHYHU LW ZLOO RSHUDWH DW  JUDLQV
SHU SRXQG RI VDOW RU KLJKHU
,I \RX ZLVK WR WXUQ WKH 6DOW (IILFLHQF\ IHDWXUH
´21µ  LFRQ ZLOO VKRZ LQ GLVSOD\ IROORZ WKH
LQVWUXFWLRQV LQ WKH )DFHSODWH 7LPHU )HDWXUHV 6HF
WLRQ  RI WKLV PDQXDO 
127( &RGHV LQ WKH VWDWH RI 0DVVDFKXVHWWV UHTXLUH LQVWDOODWLRQ
E\ D OLFHQVHG SOXPEHU )RU LQVWDOODWLRQ XVH SOXPELQJ FRGH
 &05 RI WKH &RPPRQZHDOWK RI 0DVVDFKXVHWWV
9$/9(
,1/(7
SODVWLF
YDOYH
%\SDVV 9DOYHV
),* 

:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
& 352*5$0 7+( 7,0(5
),* 
'2:1 E WWRQ
83 E WWRQ
GLVSOD\
6(/(&7 E WWRQ5(&+$5*( E WWRQ
&XVWRPHU $VVLVWDQFH

+2/' )25
,00(',$7(
6(/(&7
5(&+$5*(
35(66 )25
721,*+7
/2:
6$/7
:KHQ WKH WUDQVIRUPHU LV SOXJJHG LQ D PRGHO FRGH
DQG D WHVW QXPEHU H[DPSOH - VKRZ LQ WKH IDFH
SODWH GLVSOD\ IRU  VHFRQGV 7KHQ WKH ZRUGV 6(7
7,0( VKRZ LQ WKH GLVSOD\ DORQJ ZLWK D IODVKLQJ
 30
8OWUD6RIW  
8OWUD6RIW 
1RWHV
,I  VKRZV LQ WKH GLVSOD\ SUHVV WKH 83 RU
'2:1 EXWWRQ XQWLO 65 RU 65 VKRZV 7KHQ
SUHVV WKH 6(/( 7 EXWWRQ WR VHW DQG FKDQJH WR WKH
IODVKLQJ 6(7 7,0( GLVSOD\
7R FKHFN WKH PRGHO FRGH XQSOXJ WKH WUDQVIRUPHU DW
WKH ZDOO RXWOHW DQG SOXJ LQ DJDLQ LI RWKHU WKDQ 65
RU 65 VKRZV VHH SDJH  WR UHVHW
6281' ´%((3(5µ $ ´EHHSHUµ VRXQGV ZKLOH
SUHVVLQJ EXWWRQV IRU WLPHU VHWXS 2QH EHHS VLJQDOV
D FKDQJH LQ WKH IDFH SODWH GLVSOD\ 5HSHDWHG EHHSV
PHDQ WKH WLPHU ZLOO QRW DFFHSW D FKDQJH IURP WKH
EXWWRQ \RX KDYH SUHVVHG WHOOLQJ \RX WR XVH DQRWKHU
EXWWRQ )RU H[DPSOH ZKLOH VHWWLQJ WKH KDUGQHVV
VWHS  WKH EHHSHU VRXQGV UHSHDWHGO\ ZKHQ WKH GLV
SOD\ UHDFKHV  XVLQJ WKH '2:1 EXWWRQ RU WKH KLJK
HVW KDUGQHVV VHWWLQJ XVLQJ WKH 83 EXWWRQ
 6(7 35(6(17 7,0( 2) '$<
,I WKH ZRUGV 6(7 7,0( GR QRW VKRZ LQ WKH GLVSOD\
SUHVV WKH 6(/( 7 EXWWRQ ),*  XQWLO WKH\ GR RU
VHH WKH SUHYLRXV QRWHV
Q3UHVV WKH 83  '2:1 EXWWRQV WR VHW WKH SUHVHQW
WLPH 3UHVV 83 WR PRYH WKH GLVSOD\ DKHDG SUHVV
'2:1 WR 6(7 WKH WLPH EDFN
,I WKH SUHVHQW WLPH LV EHWZHHQ
QRRQ DQG PLGQLJKW EH VXUH 30
VKRZV
,I WKH SUHVHQW WLPH LV EHWZHHQ
PLGQLJKW DQG QRRQ EH VXUH $0
VKRZV
(DFK SUHVV RI WKH 83 '2:1 EXWWRQV FKDQJHV
WKH WLPH E\ RQH PLQXWH +ROGLQJ WKH EXWWRQV LQ
FKDQJHV WKH WLPH UDSLGO\

:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
& 352*5$0 7+( 7,0(5
 6(7 :$7(5 +$5'1(66 180%(5
Q3UHVV WKH 6(/( 7 EXWWRQ RQFH DJDLQ WR GLVSOD\
WKH ZRUGV 6(7 +$5'1(66 DQG D IODVKLQJ 
7KH JUDLQV SHU JDOORQ JSJ KDUG
QHVV RI \RXU ZDWHU VXSSO\ LV RQ
\RXU ZDWHU DQDO\VLV UHSRUW %H
VXUH WR HQWHU ZDWHU WHVW UHVXOWV RQ
SDJH $ IRU IXWXUH UHIHUHQFH
,I \RXU ZDWHU VXSSO\ FRQWDLQV LURQ FRPSHQVDWH IRU
LW E\ DGGLQJ WR WKH ZDWHU KDUGQHVV QXPEHU )RU H[
DPSOH DVVXPH \RXU ZD HU LV  JSJ KDUG DQG FRQ DLQV 
SSP LURQ $GG  R KH KDUGQHVV QXPEHU IRU HDFK  SSP
RI LURQ ,Q KLV H[DPSOH \RX ZRXOG XVH  IRU \RXU KDUG
QHVV QXPEHU

J
S
J
KDUGQHVV
 SSP LURQ [   
WLPHV  +$5'1(66 180%(5
Q3UHVV WKH 83  '2:1 EXWWRQV WR VHW \RXU ZDWHU
KDUGQHVV QXPEHU LQ WKH GLVSOD\ 7KH '2:1 EXWWRQ
PRYHV WKH GLVSOD\ WR  7KH 83 EXWWRQ PRYHV WKH
GLVSOD\ WR WKH KLJKHVW VHWWLQJ VHH PD[LPXP VHWWLQJ
IRU \RXU PRGHO LQ WKH VSHFLILFDWLRQV
1RWH
(DFK SUHVV RI WKH 83  '2:1 EXWWRQ FKDQJHV WKH
GLVSOD\ E\  EHWZHHQ  DQG  %HWZHHQ  DQG WKH
KLJKHVW QXPEHU WKH GLVSOD\ FKDQJHV  DW D
WLPH}   HWF +ROGLQJ WKH 83 RU '2:1 EXW
WRQ LQ FKDQJHV WKH GLVSOD\ WZLFH HDFK VHFRQG
 6(7 5(&+$5*( 5(*(1(5$7,21 7,0(
Q3UHVV WKH 6(/( 7 EXWWRQ RQFH DJDLQ WR GLVSOD\
WKH ZRUGV 6(7 5(&+$5*( 7,0( DQG D IODVKLQJ
 $0
$WWKH$0UHFKDUJHWLPHVHW
WLQJ WKH VRIWHQHU EHJLQV UHJHQHUD
WLRQ VHH SDJHV  DQG  DW
 $0 HQGLQJ QR ODWHU WKDQ 
$0 7KLV LV D JRRG WLPH LQ PRVW KRXVHKROGV EHFDXVH
ZDWHU LV QRW EHLQJ XVHG VHH $XWRPDWLF %\SDVV
SDJH  ,I D GLIIHUHQW UHFKDUJH WLPH VHWWLQJ ZRXOG
EH EHWWHU IRU \RXU KRXVHKROG GR WKH IROORZLQJ
Q3UHVV WKH 83  '2:1 EXWWRQV WR VHW WKH GHVLUHG
UHFKDUJH VWDUWLQJ KRXU %H VXUH WR REVHUYH WKH $0
30 DV \RX GLG ZKHQ VHWWLQJ WKH SUHVHQW WLPH RI GD\
1RWH
(DFK SUHVV RI WKH 83  '2:1 EXWWRQV FKDQJHV WKH
GLVSOD\  KRXU +ROGLQJ WKH EXWWRQV LQ FKDQJHV WKH
GLVSOD\ WZLFH HDFK VHFRQG
 6(7 6$/7 /(9(/
Q3UHVV WKH 6(/( 7 EXWWRQ RQFH DJDLQ WR GLVSOD\
6(76$/7/(9(/DQG D IODVKLQJ ]HUR 6HH 6WHS (
SDJH  IRU LQVWUXFWLRQV RQ DGGLQJ VDOW WR WKH VDOW
VWRUDJH WDQN
7KH IDFH SODWH WLPHU KDV D VDOW
PRQLWRU ZLWK DQ LQGLFDWRU OLJKW WR
UHPLQG \RX WR DGG VDOW WR WKH VWRU
DJH WDQN
1RWH
<RX PXVW VHW VDOW OHYHO HDFK WLPH VDOW LV DGGHG WR WKH
ZDWHU VRIWHQHU
Q7R VHW WKLV PRQLWRU V\VWHP OLIW WKH VDOW KROH FRYHU
DQG OHYHO WKH VDOW LQ WKH VWRUDJH WDQN 7KH VDOW OHYHO
GHFDO RQ WKH EULQHZHOO LQVLGH WKH WDQN KDV QXPEHUV
IURP  WR  2EVHUYH WKH KLJKHVW QXPEHU WKH OHYHOHG
VDOW LV DW RU FORVHVW WR 3UHVV WKH 83  '2:1 EXW
WRQV XQWLO WKH QXPEHU FRUUHVSRQGV ZLWK WKH VDOW OHY
HO QXPEHU $W OHYHO  RU EHORZ WKH LQGLFDWRU /('
ZLOO IODVK ,I \RX ZLVK WR WXUQ WKLV IHDWXUH RII SUHVV
WKH '2:1 EXWWRQ SDVW  DQG WKH ZRUG ´2))µ
IODVKHV LQ WKH GLVSOD\
Q3UHVV WKH 6(/(&7 EXWWRQ RQFH
DJDLQ WR FRPSOHWH LQLWLDO SUR
JUDPPLQJ DQG WKH FXUUHFW WLPH RI
GD\ ZLOO VKRZ LQ WKH GLVSOD\
,) <28 1((' +(/3 352*5$00,1* 7+( 7,0(5 $// 72// )5((
180%(5 
6(( 3$*(  )25 27+(5 )$&( 3/$7( 7,0(5 )($785(6

:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
' 6$1,7,=( 7+( :$7(5 62)7(1(5
DUH LV WDNHQ DW WKH IDFWRU\ WR NHHS \RXU ZDWHU VRIW
HQHU FOHDQ DQG VDQLWDU\ 0DWHULDOV XVHG WR PDNH WKH
VRIWHQHU ZLOO QRW LQIHFW RU FRQWDPLQDWH \RXU ZDWHU
VXSSO\ DQG ZLOO QRW FDXVH EDFWHULD WR IRUP RU JURZ
+RZHYHU GXULQJ VKLSSLQJ VWRUDJH LQVWDOOLQJ DQG
RSHUDWLQJ EDFWHULD FRXOG JHW LQWR WKH VRIWHQHU )RU
WKLV UHDVRQ VDQLWL]LQJ DV IROORZV LV VXJJHVWHG
{
ZKHQ LQVWDOOLQJ
 7KH ILUVW WLPH \RX VDQLWL]H \RXU VRIWHQHU EH VXUH
WR GR DOO VWHSV LQ WKH LQVWDOODWLRQ PDQXDO DQG RQ
SDJHV   DQG  RI WKLV PDQXDO ILUVW
1RWH %H FHUWDLQ WKH E\SDVV YDOYH LV SXOOHG RXW
WR ´VHUYLFHµ SRVLWLRQ
 /LIW WKH VDOW KROH FRYHU DQG XVH D SDLO WR ILOO WKH
VDOW VWRUDJH WDQN ZLWK  JDOORQV RI ZDWHU
 5HPRYH WKH EULQHZHOO FRYHU ),*  DQG SRXU
DERXW  RXQFH RU  WR  WDEOHVSRRQV RI FRP
PRQ  XQVFHQ HG KRXVHKROG EOHDFK  OR
UR[ /LQFR %R3HHS :KLWH 6DLO (DJOH HWF LQ WKH
VRIWHQHU EULQHZHOO 5HSODFH WKH EULQHZHOO FRYHU
 3UHVV WKH 5(&+$5*( EXWWRQ DQG KROG IRU  VH
FRQGV WR VWDUW D UHFKDUJH 7KLV ILUVW UHFKDUJH GRHV
VHYHUDO WKLQJV
:,W GUDZV WKH EOHDFK LQWR DQG WKURXJK WKH VRIWHQHU
WR VDQLWL]H LW
:,W ILOOV WKH VDOW WDQN WR WKH ZDWHU OHYHO QHHGHG
:,W JHWV DOO WKH DLU RXW RI WKH UHVLQ WDQN
:,W SUHSDUHV WKH UHVLQ EHG VHH SDJH  IRU VHU
YLFH DQG IOXVKHV UHVLGXDO FKORULQH IURP WKH VRIWHQ
HU
1RWHV
7KLV UHFKDUJH WDNHV DERXW   KRXUV
<RX FDQ VDQLWL]H WKH VRIWHQHU ZLWK RU ZLWKRXW VD W
LQ WKH VWRUDJH WDQN
{
5HFRPPHQGHG E\ WKH :DWHU 4XDOLW\ $VVRFLDWLRQ 2Q VRPH
ZDWHU VXSSOLHV WKH ZDWHU VRIWHQHU PD\ QHHG SHULRGLF
GLVLQIHFWLQJ
ZDWHU
DERXW  JDOORQV
EULQHZHOO
FRYHU
UHPRYH DQG DGG
DERXW  R] EOHDFK
EULQHZHOO
VDOW KROH
FRYHU
),*

:$7(5 62)7(1(5 67$57 83
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
( $'' 6$/7 72 7+( 6725$*( 7$1.
%ULQH VDOW GLVVROYHG LQ ZDWHU LV QHHGHG IRU HDFK
DQG HYHU\ UHJHQHUDWLRQ 7KH ZDWHU IRU PDNLQJ EULQH
LV PHWHUHG LQWR WKH VDOW VWRUDJH WDQN E\ WKH VRIWHQHU
<RX PXVW NHHS VDOW LQ WKH WDQN EXW EHFDXVH WKH ZD
WHU VRIWHQHU LV YHU\ HIILFLHQW LW LV QRW QHFHVVDU\ WR
NHHS LW IXOO (VSHFLD \ LQ KXPLG DUHDV LW LV EHVW WR
ILOO WKH VWRUDJH WDQN RQH TXDUWHU WR RQH KDOI IXOO DQG
WR UHILOO LW PRUH RIWHQ 6DOW EULGJLQJ VHH SDJH   RF
FXUV PRUH RIWHQ ZKHQ FRQGLWLRQV DUH KXPLG
8VH 18**(7 RU 3(//(7 ZDWHU VRIWHQHU VDOW '2
127 XVH URFN VDOWV DV WKH\ KDYH GLUW DQG VHGLPHQWV
WKDW ZLOO VWRS WKH VRIWHQHU IURP ZRUNLQJ
%HIRUH DGGLQJ VDOW EH VXUH WKH EULQHZHOO FRYHU LV LQ
SODFH RQ WKH WRS RI WKH EULQHZHOO
,I \RX FKRRVH 3RWDVVLXP KORULGH . O DV D UHJHQ
HUDQW IROORZLQJ WKHVH VXJJHVWLRQV ZLOO KHOS JLYH
\RX \HDUV RI PDLQWHQDQFH IUHH VHUYLFH
 3ODFH RQO\ RQH EDJ RI . O LQ \RXU VRIWHQHU DW D
WLPH WKH VDOW VWRUDJH WDQN VKRXOG FRQWDLQ QR PRUH
WKDQ  SRXQGV RI . O DW DQ\ RQH WLPH
 $ VRIWHQHU XVLQJ . O VKRXOG QRW EH SODFHG LQ
DUHDV ZLWK WHPSHUDWXUH IOXFWXDWLRQV DQG KLJK KX
PLGLW\ . O ZLOO KDUGHQ LQ WKHVH HQYLURQPHQWV DQG
PD\ PDNH WKH VRIWHQHU LQRSHUDEOH
 KHFN WKH EULQH WDQN DQG EULQH ZHOO EODFN WXEH LQ
VDOW VWRUDJH WDQN PRQWKO\ ,I KDUGHQLQJ LV SUHVHQW
SRXU VPDOO DPRXQWV RI ZDUP ZDWHU RQ KDUGHQHG
DUHDV XQWLO WKH\ ORRVHQ
 <RX PXVW LQFUHDVH \RXU KDUGQHVV VHWWLQJ E\ 
WR HQVXUH FRQWLQXRXV VRIW ZDWHU DV LQ H[DPSOH EH
ORZ
5DZ :DWHU +DUGHQVV
JUDLQV SHU JDOORQ 6RIWHQHU VHWWLQJ ZKHQ XVLQJ .&O
JSJ JSJ
 JSJ  JSJ
 JSJ  JSJ
 JSJ



 JSJ
 JSJ 

  JSJ
 JSJ  JSJ
 JSJ  JSJ
 JSJ  JSJ
:$7(5 62)7(1,1* 6$/7 :,7+ ,521 5(029
,1* $'',7,9(6 ³6RPH VDOWV KDYH DQ DGGLWLYH WR
KHOS WKH VRIWHQHU KDQGOH LURQ LQ WKH ZDWHU VXSSO\
7KHVH VDOWV PD\ EH XVHG LI \RXU ZDWHU VXSSO\ KDV D
KLJK LURQ FRQWHQW ,W LV UHFRPPHQGHG WR XVH 6HDUV
5HVLQ %HG OHDQHU  IRU SHULRGLF WUHDWPHQWV
WR NHHS \RXU UHVLQ EHG FOHDQ 7KLV LV DYDLODEOH DW
\RXU ORFDO 6HDUV VWRUH
),* 
VDOW
VWRUDJH
WDQN
EULQHZHOO
FRYHU
EULQHZHOO
6RGLXP LQIRUPD LRQ :DWHU VRIWHQHUV XVLQJ VRGLXP
FKORULGH IRU UHJHQHUDWLRQ DGG VRGLXP WR WKH ZDWHU
3HUVRQV ZKR DUH RQ VRGLXP UHVWULFWHG GLHWV VKRXOG
FRQVLGHU WKH DGGHG VRGLXP DV SDUW RI WKHLU RYHUDOO
VRGLXP LQWDNH )RU H[DPSOH LI \RXU ZDWHU VXSSO\ LV
 JUDLQV KDUG DQG \RX GUDQN  TXDUWV RI VRIWHQHG
ZDWHU \RX ZRXOG FRQVXPH  PLOOLJUDPV RI VR
GLXP 7KDW LV HTXLYDOHQW WR HDWLQJ  VOLFHV RI
ZKLWH EUHDG
3HUVRQV ZKR DUH FRQFHUQHG DERXW WKHLU GULQNLQJ
ZDWHU VKRXOG FRQVLGHU D .HQPRUH 'ULQNLQJ :DWHU
6\VWHP WKDW ZLOO UHPRYH RU UHGXFH LQ H[FHVV RI 
RI WKH VRGLXP DQG RWKHU GULQNLQJ ZDWHU FRQWDPL
QDQWV

+2: <285 :$7(5 62)7(1(5 :25.6
6(&7,21 

3URE HPV 4XHVWLRQV" &D    .HQPRUH :DWHU /LQH
$ )$&(3/$7( 7,0(5 )($785(6
(;75$ 5(&+$5*(
6RPHWLPHV D PDQXDOO\ VWDUWHG
UHJHQHUDWLRQ UHFKDUJH PD\ EH
GHVLUHG RU QHHGHG 7ZR H[DP
SOHV DUH
 <RX KDYH XVHG PRUH ZDWHU WKDQ
XVXDO JXHVWV YLVLWLQJ DQG \RX
PD\ UXQ RXW RI VRIW ZDWHU EHIRUH
WKH QH[W WLPHU VWDUWHG UHJHQHUD
WLRQ
 <RX GLG QRW UHILOO WKH VRIWHQHU
ZLWK VDOW EHIRUH LW ZDV JRQH $IWHU
\RX UHILOO ZLWK VDOW
<RX FDQ VWDUW D UHJHQHUDWLRQ ULJKW
DZD\ RU \RX FDQ VHW WKH WLPHU WR
UHJHQHUDWH DW WKH QH[W  $0 RU
RWKHU SUHVHW UHFKDUJH WLPH 'R
WKH IROORZLQJ
5( +$5*( 12:
3UHVV WKH 5( +$5*( EXWWRQ DQG
KROG IRU  VHFRQGV 7KH ZRUGV 5(
+$5*( 12: EHJLQ WR IODVK LQ
WKH GLVSOD\ DQG WKH VRIWHQHU HQ
WHUV WKH ILOO F\FOH RI UHJHQHUDWLRQ ULJKW DZD\ 7KLV UH
JHQHUDWLRQ ZLOO ODVW IRU DERXW  KRXUV 7KHQ \RX ZLOO
KDYH VRIW ZDWHU DJDLQ
5( +$5*( 721,*+7
3UHVV DQG UHOHDVH GR QR KROG WKH
5( +$5*( EXWWRQ 5(&+$5*(
721,*+7 IODVKHV LQ WKH GLVSOD\
DQG WKH VRIWHQHU EHJLQV UHJHQHUD
WLRQ DW WKH QH[W SUHVHW UHFKDUJH WLPH 3UHVV DQG UH
OHDVH WKH 5( +$5*( EXWWRQ RQFH PRUH LI \RX GH
FLGH WR FDQFHO WKH UHJHQHUDWLRQ DQG 5(&+$5*(
721,*+7
6(7 6$/7 /(9(/
7R VHW WKLV PRQLWRU V\VWHP OLIW WKH
VDOW KROH FRYHU DQG OHYHO WKH VDOW LQ
WKH VWRUDJH WDQN 7KH VDOW OHYHO GH
FDO RQ WKH EULQHZHOO LQVLGH WKH
WDQN KDV QXPEHUV IURP  WR 
2EVHUYH WKH KLJKHVW QXPEHU WKH OHYHOHG VDOW LV DW RU
FORVHVW WR 1RZ SUHVV WKH 83 RU '2:1 EXWWRQV XQ
WLO WKH QXPEHU FRUUHVSRQGV ZLWK WKH VDOW OHYHO QXP
EHU $W OHYHO  RU EHORZ WKH LQGLFDWRU /(' ZLOO IODVK
,I\RXZLVKWRWXUQWKLVIHDWXUHRIISUHVVWKH'2:1
EXWWRQ SDVW  DQG WKH ZRUG ´2))µ IODVKHV LQ WKH GLV
SOD\ 1RWH <RX PXVW VHW VDOW OHYHO HDFK WLPH VDOW LV
DGGHG WR WKH ZDWHU VRIWHQHU
352*5$0 0(025<
,I HOHFWULFDO SRZHU WR WKH VRIWHQHU JRHV RII WKH WLPH
GLVSOD\ LV EODQN EXW WKH IDFH SODWH WLPHU NHHSV WKH
FRUUHFW WLPH IRU DERXW  KRXUV :KHQ HOHFWULFDO SRZ
HU FRPHV RQ DJDLQ \RX KDYH WR UHVHW WKH SUHVHQW
WLPH RQ \ LI WKH GLVSOD\ LV IODVKLQJ 7KH +$5'
1(66 5( +$5*( 7,0( DQG 6$/7 /(9(/ QHYHU
UHTXLUH UHVHWWLQJ XQOHVV D FKDQJH LV GHVLUHG (YHQ LI
WKH WLPHU LV LQFRUUHFW DIWHU D ORQJ SRZHU RXWDJH WKH
VRIWHQHU ZRUNV DV LW VKRXOG WR NHHS \RXU ZDWHU VRIW
+RZHYHU UHJHQHUDWLRQV PD\ RFFXU DW WKH ZURQJ
WLPH RI GD\ XQWLO \RX UHVHW WKH WLPHU WR WKH FRUUHFW
WLPH RI GD\
()),&,(1&< 02'(
:KHQ WKLV IHDWXUH LV 21 WKH ZD
WHU VRIWHQHU ZLOO RSHUDWH DW VDOW HI
ILFLHQFLHV RI  JUDLQV RI KDUG
QHVV SHU SRXQG RI VDOW RU KLJKHU
0D\ UHFKDUJH PRUH RIWHQ XVLQJ
VPDOOHU VDOW GRVDJH DQG OHVV ZD
WHU ,QVWD DWLRQV LQ WKH VWDWH RI
&D LIRUQLD UHTXLUH WKLV VHWWLQJ WR
EH WXUQHG 21 7KLV VRIWHQHU LV VKLSSHG LQ WKH 2))
VHWWLQJ 7R WXUQ WKLV VHWWLQJ WR 21 SUHVV DQG KROG WKH
6(/( 7 EXWWRQ XQWLO WKH GLVSOD\ VKRZV    7KHQ
SUHVV GR QR KROG WKH 6(/( 7 EXWWRQ DJDLQ 8VH WKH
83 DUURZ WR WXUQ 21 3UHVV 6(/( 7 WR HQWHU DQG UH
WXUQ WR QRUPDO UXQQLQJ VFUHHQ 7KH HIILFLHQF\ LFRQ
ZLOO RQO\ EH GLVSOD\HG ZKHQ WKLV IHDWXUH LV 21
(5525 &2'(
$Q HUURU FRGH FRXOG DSSHDU LQ WKH
IDFH SODWH GLVSOD\ LI D SUREOHP RF
FXUV LQ WKH VRIWHQHU HOHFWURQLFV ,I
\RX VHH DQ HUURU FRGH LQVWHDG RI
WKH SUHVHQW WLPH RI GD\ WXUQ WR SDJH  XQGHU
´7URXEOHVKRRWLQJµ WR UHVROYH WKH SUREOHP
,) <28 1((' +(/3 352*5$00,1* 7+( 7,0(5 $// 72// )5((
180%(5 
6
(
&
7
,
2
1
