Kenmore SOFTENERS-275-280 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 XVWRP
HUV VKDOO DOVR EH SURWHFWHG GXULQJ LQVWDOODWLRQ E\ LQ
VXUDQFH UHODWLQJ WR 3URSHUW\ 'DPDJH :RUNPDQ·V
RPSHQVDWLRQ DQG 3XEOLF /LDELOLW\
6($56 ,167$//$7,21 :$55$17<
,Q DGGLWLRQ WR DQ\ ZDUUDQW\ H[WHQGHG WR \RX RQ WKH
6HDUV PHUFKDQGLVH LQYROYHG ZKLFK ZDUUDQW\ EH
FRPHV HIIHFWLYH WKH GDWH WKH PHUFKDQGLVH LV
LQVWDOOHG VKRXOG WKH ZRUNPDQVKLS RI DQ\ 6HDUV DU
UDQJHG LQVWDOODWLRQ SURYH IDXOW\ ZLWKLQ RQH \HDU
6HDUV ZLOO XSRQ QRWLFH IURP \RX FDXVH VXFK IDXOWV
WR EH FRUUHFWHG DW QR DGGLWLRQDO FRVW WR \RX
)$&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
 7KH PRGHOQXPEHU LVRQ WKHUDWLQJ GHFDOORFDWHG RQ WKH ULPXQGHU WKHVDOW KROHFRYHU
VDOW KROH FRYHU
UDWLQJ
GHFDO
:
$
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 
( $GGLQJ 6DOW 7R 7KH 6WRUDJH 7DQN 
6(&7,21  +2: <285 :$7(5 62)7(1(5 :25.6
$ )DFHSODWH 7LPHU )HDWXUHV  WR 
% 6RIW :DWHU 6HUYLFH DQG 5HJHQHUDWLRQ  WR 
6(&7,21  &$5( 2) <285 :$7(5 62)7(1(5
$ 6DOW $GGLQJ 7R 7KH 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 
 &DSDFLW\ WR UHPRYH FOHDU ZDWHU LURQ ZDV WHVWHG LQ WKH
ILHOG E\ WKH PDQXIDFWXUHU
:$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 ,QVWDOOD
WLRQ 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 WWRQ
5(&+$5*( E WWRQ
6(/(&7
5(&+$5*(
35(66 )25
721,*+7
+2/' )25
,00(',$7(
&XVWRPHU $VVLVWDQFH

6$/7
/(9(/
$'-867
6,*1$/
/,*+7
$'-867
6$/7
/(9(/ 6,*1$/ /(9(/
/2:
6$/7
VDOW OHYHO DGM VW
VLJQDO OLJKW DGM VW
ZZZ.HQPRUH:DWHUFRP
:KHQ WKH WUDQVIRUPHU LV SOXJJHG LQ D PRGHO FRGH
DQG D WHVW QXPEHU H[DPSOH - VKRZ LQ WKH IDFH
SODWH GLVSOD\ IRU  VHFRQGV 7KHQ  $0 DQG
35(6(17 7,0( EHJLQ WR IODVK
$0
35(6(17 7,0(
1RWHV
,I65 RUVKRZVLQWKHGLVSOD\SUHVVWKH
83 RU'2:1 EXWWRQ XQWLO 65 VKRZV LQ WKH
GLVSOD\ 7KHQ SUHVV WKH 6(/( 7 EXWWRQ WR VHW DQG
FKDQJH WR WKH IODVKLQJ 35(6(17 7,0( GLVSOD\
7R FKHFN WKH PRGHO FRGH XQSOXJ WKH WUDQVIRUPHU DW
WKH ZDOO RXWOHW DQG SOXJ LQ DJDLQ LI RWKHU WKDQ WKLV
FRGH 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 35(6(17 7,0( GR QRW VKRZ LQ WKH GLV
SOD\ SUHVV WKH 6(/( 7 EXWWRQ ),*  XQWLO WKH\ GR
RU VHH WKH SUHYLRXV QRWHV
Q3UHVV WKH 83 RU '2:1 EXWWRQV WR VHW WKH SUHVHQW
WLPH 3UHVV 83 WR PRYH WKH GLVSOD\ DKHDG SUHVV
'2:1 WR PRYH WKH WLPH EDFNZDUG
,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 RU '2:1 EXWWRQV FKDQJHV
WKH WLPH E\  PLQXWH +ROGLQJ WKH EXWWRQV LQ
FKDQJHV WKH WLPH  PLQXWHV HDFK VHFRQG
30
35(6(17 7,0(
35(6(17 7,0(
$0

:$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 WR GLVSOD\ 
IODVKLQJ DQG +$5'1(66
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 DWHU LV  JSJ KDUG DQG FRQWDLQV 
SSP LURQ $GG  WR WKH KDUGQHVV QXPEHU IRU HDFK  SSP
RI LURQ ,Q WKLV H[DPSOH \RX RXOG XVH  IRU \RXU KDUG
QHVV QXPEHU

J
S
J
KDUGQHVV
 SSP LURQ [   
WLPHV  +$5'1(66 180%(5
Q3UHVV WKH 83 RU '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 RU '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 WR GLVSOD\  $0
IODVKLQJ DQG 5(&+$5*( 7,0(
$WWKH$0UHFKDUJHWLPH
VHWWLQJ WKH VRIWHQHU EHJLQV UH
JHQHUDWLRQ VHH SDJHV  DQG
  DW  $0 7KLV LV D JRRG
WLPH LQ PRVW KRXVHKROGV EHFDXVH ZDWHU LV QRW EHLQJ
XVHG VHH $XWRPDWLF %\SDVVSDJH,IDGLIIHU
HQWUHFKDUJHWLPHVHWWLQJZRXOGEHEHWWHUIRU\RXU
KRXVHKROG GR WKH IROORZLQJ
Q3UHVV WKH 83 RU '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 RU '2:1 EXWWRQV FKDQJHV WKH
GLVSOD\ RQH KRXU +ROGLQJ WKH EXWWRQV LQ FKDQJHV
WKH GLVSOD\ WZLFH HDFK VHFRQG
Q3UHVV WKH 6(/(&7 EXWWRQ RQFH DJDLQ WR FRP
SOHWH LQLWLDO SURJUDPPLQJ DQG WKH FXUUHQW WLPH RI
GD\ VKRZV LQ WKH GLVSOD\
,) <28 1((' +(/3 352*5$00,1* 7+( 7,0(5 $// 72// )5((
180%(5 
6(( 3$*(6   $1'  )25 27+(5 )$&( 3/$7( 7,0(5 )($785(6
+$5'1(66
$0
5(&+$5*(
7,0(

:$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 XS WR  JDOORQV RI ZDWHU
 5HPRYH WKH EULQHZHOO FRYHU ),*  DQG SRXU
DERXW  RXQFH RU  WR  WDEOHVSRRQV RI FRP
PRQ  XQVFHQWHG 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  RU  KRXUV GH
SHQGLQJ RQ WKH VDOW W\SH VHWWLQJ SDJH 
<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
( $'',1* 6$/7 72 7+( 6725$*( 7$1.
%ULQH VDOW GLVVROYHG LQ ZDWHU LV QHHGHG IRU HDFK DQG
HYHU\ UHJHQHUDWLRQ 7KH ZDWHU IRU PDNLQJ EULQH LV PH
WHUHG 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 %H VXUH WR VHW WKH VD W
PRQLWRU V\VWHP VHH SDJH 
1RWH 7KH VDOW PRQLWRU V\VWHP SDJH   LV FDOLEUDWHG
WR WKH GHQVLW\ RI QXJJHW RU SHOOHW ZDWHU VRIWHQHU VDOW
7KH PRQLWRU ZLOO QRW ZRUN DV DFFXUDWHO\ ZLWK RWKHU
W\SHV RI VDOW LQFOXGLQJ URFN DQG VRODU
,I \RX FKRRVH 3RWDVVLXP KORULGH . O DV D UHJHQHU
DQW 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 KXPLGLW\
. 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
 ,I \RXU VRIWHQHU GRHV QRW KDYH D . O VDOW VHWWLQJ \RX
PXVW LQFUHDVH \RXU KDUGQHVV VHWWLQJ E\  WR HQVXUH
FRQWLQXRXV VRIW ZDWHU DV LQ H[DPSOH EHORZ
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 FRQ
WHQW ,W LV UHFRPPHQGHG WR XVH 6HDUV 5HVLQ %HG OHDQ
HU   IRU SHULRGLF WUHDWPHQWV WR NHHS \RXU UHVLQ
EHG FOHDQ 7KLV LV DYDLODEOH DW \RXU ORFDO 6HDUV VWRUH
),* 
VDOW
VWRUDJH
WDQN
EULQHZHOO
FRYHU
EULQHZHOO






6RGLXP LQIRUPDWLRQ :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 VR
GLXP LQWDNH )RU H[DPSOH LI \RXU ZDWHU VXSSO\ LV 
JUDLQV KDUG DQG \RX GUDQN  TXDUWV RI VRIWHQHG ZDWHU
\RX ZRXOG FRQVXPH  PLOOLJUDPV RI VRGLXP 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 VR
GLXP DQG RWKHU GULQNLQJ ZDWHU FRQWDPLQDQWV

+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 XQWLO 5(&+$5*(6HUY
DQG )LOO EHJLQ WR IODVK LQ WKH GLVSOD\ 8SRQ UHDFKLQJ
ILOO WKH ILUVW F\FOH RI UHJHQHUDWLRQ WKH IODVKLQJ 6HUY
JRHV RII DQG )LOO LV RQ VWHDG\ 5(&+$5*( FRQWLQXHV
WR IODVK 7KLV UHJHQHUDWLRQ ZLOO ODVW IRU DERXW 
KRXUV $IWHU WKH  KRXUV \RX ZLOO KDYH VRIW ZDWHU
DJDLQ
1RWH
,I WKH /($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFN
ZDVK &/($1 DQG %N VK RU 5LQVH IODVKHV LQ WKH GLV
SOD\ DORQJ ZLWK WKH PLQXWHV RI WKH FOHDQ F\FOH UH
PDLQLQJ SUHFHGHV WKH UHFKDUJH
5( +$5*( 721,*+7
3UHVV DQG UHOHDVH GR QRW KROG WKH
5( +$5*( EXWWRQ 5(
&+$5*( 721,*+7 IODVKHV LQ WKH GLVSOD\ DQG WKH
VRIWHQHU EHJLQV UHJHQHUDWLRQ DW WKH QH[W SUHVHW UH
FKDUJH WLPH 3UHVV DQG UHOHDVH WKH 5( +$5*( EXW
WRQ RQFH PRUH LI \RX GHFLGH WR FDQFHO WKH UHJHQHUD
WLRQ DQG 5(&+$5*( 721,*+7
6$/7 021,725 6<67(0
7KH IDFH SODWH WLPHU KDV D ORZ VDOW PRQLWRU ZLWK DQ
LQGLFDWRU OLJKW WR UHPLQG \RX WR DGG VDOW WR WKH VWRU
DJH WDQN 7R VHW WKLV PRQLWRU V\VWHP
 /LIW 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  VHH GUDZLQJ EH
ORZ 2EVHUYH WKH QXPEHU WKH OHYHOHG VDOW LV DW
RU FORVHVW WR
 1RZ SUHVV WKH 6$/7 /(9(/ $'-867 EXWWRQ
XQWLO EODFN EDUV GLVSOD\ XS WR WKH VDOW OHYHO QXP
EHU )RU H[DPSOH WKH SLFWXUHV EHORZ VKRZ WKH
VDOW OHYHO DW 
 )LQDOO\ VHW WKH OHYHO \RX ZDQW WKH ORZ VDOW LQGL
FDWRU OLJKW WR FRPH RQ 3UHVV WKH 6,*1$/ /,*+7
$'-867 EXWWRQ XQWLO D 7 VKRZV RSSRVLWH WKLV
QXPEHU ,Q WKH H[DPSOH EHORZ WKH OLJKW ZLOO
FRPH RQ ZKHQ WKH VWRUHG VDOW GURSV WR OHYHO  $W
OHYHO  WKH VWRUDJH WDQN LV DERXW  IXOO 7KLV LV
WKH ORZHVW \RX VKRXOG DOORZ WKH VWRUHG VDOW OHYHO
WR GURS WR VHH QRWH RQ SDJH 
 ,I \RX ZLVK WR WXUQ WKH VDOW PRQLWRU RII SUHVV WKH
6,*1$/ /,*+7 $'-867 EXWWRQ XQWLO 2))
VKRZV DERYH
1RWH
<RXUVDOWPRQLWRULVDQHVWLPDWHRI\RXUVDOWOHYHODF
FXUDF\ GHSHQGV RQ WKH W\SH RI VDOW XVHG DQG RWKHU
UHJHQHUDWLRQ FKDUDFWHULVWLFV








6$/7
/(9(/
EULQHZHOO
GHFDO
VDOW
OHYHO
LQGLFDWRU OLJKW
6$/7
/(9(/ 6,*1$/ /(9(/
EDUV VDOW
OHYHO
5(&+$5*(
35(66 )25
721,*+7
+2/' )25
,00(',$7(
6$/7
/(9(/
$'-867
6,*1$/
/,*+7
$'-867
/2:
6$/7
6
(
&
7
,
2
1

30
5(&+$5*(
:$7(5 )/2:
2)) 







6HUY
)LOO
30
5(&+$5*( 721,*+7
:$7(5 )/2:
2))









+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 )($785(6
237,21$/ 6(77,1*6  6$/7 ()),&,(1&<
&/($1 )($785( &/($1 )($785( 0,187(6
0$;,080 '$<6 %(7:((1 5(*(1(5$
7,216 DQG    +285 &/2&.
 7R VHW DQ\ RI WKH IROORZLQJ RSWLRQV SUHVV DQG KROG
6(/( 7 IRU  VHFRQGV XQWLO  VKRZV LQ WKH GLVSOD\
7KHQ SUHVV RQFH XQWLO WKH 6$/7 ()), ,(1 < GLV
SOD\ VKRZV 8VH WKH 83 RU '2:1 EXWWRQV WR
FKDQJH WKH 21 2)) GLVSOD\V
'6$/7 ()),&,(1&< :KHQ WKLV IHDWXUH LV 21
WKH XQLW ZLOO RSHUDWH DW VDOW HIILFLHQFLHV RI  JUDLQV
RI KDUGQHVV SHU SRXQG RI VDOW RU KLJKHU ZKLFK ZLOO
UHGXFH WKH VRIWHQHUV VDOW XVDJH 0D\ UHFKDUJH PRUH
RIWHQ XVLQJ VPDOOHU VDOW GRVDJH DQG OHVV ZDWHU
:KHQ LQVWDOOLQJ WKLV XQLW LQ WKH 6WDWH RI DOLIRUQLD
WKLV VHWWLQJ 0867 EH 21
 3UHVV 6(/( 7 DJDLQ WR VKRZ WKH /($1 GLVSOD\
'&/($1 7KLV IHDWXUH LV EHQHILFLDO RQ ZDWHU VXS
SOLHV FRQWDLQLQJ LURQ DQGRU KLJK DPRXQWV RI VHGL
PHQWV VDQG VLOW GLUW HWF :KHQ VHW WR 21DEDFN
ZDVK DQG IDVW ULQVH F\FOH ZLOO RFFXU ILUVW SUHFHHGLQJ
WKH QRUPDO UHJHQHUDWLRQ VHTXHQFH VHH SDJH 
7KLV SURYLGHV H[WUD FOHDQLQJ RI WKH UHVLQ EHG EHIRUH
LW LV UHJHQHUDWHG ZLWK WKH VDOW EULQH 7R FRQVHUYH ZD
WHU LI \RXU ZDWHU VXSSO\ GRHV QRW FRQWDLQ LURQ RU
VHGLPHQWV EH VXUH WKLV IHDWXUH LV VHW WR 2)))RU
8OWUD6RIW  WKH GHIDXOW LV 21 IRU 8OWUD6RIW  WKH
GHIDXOW LV 2))
 3UHVV 6(/( 7 DJDLQ XQWLO WKH /($1 7,0( GLV
SOD\ VKRZV
GHIDXOW PLQXWHV H[DPSOH WLPH VHW WR  PLQXWHV
'&/($1 IHDWXUH PLQXWHV ,I \RX DUH XVLQJ WKLV IHD
WXUH WKH OHQJWK RI WKH H[WUD EDFNZDVK F\FOH DXWR
PDWLFDOO\ VHWV WR  PLQXWHV +RZHYHU \RX FDQ DG
MXVW WKLV WLPH IURP  WR  PLQXWHV LQ OHQJWK 7R
FKDQJH WKLV F\FOH WLPH XVH WKH 83 EXWWRQ WR LQFUHDVH
WKH WLPH RU WKH '2:1 EXWWRQ WR VKRUWHQ WKH WLPH
,I QR FKDQJH LV GHVLUHG FRQWLQXH EHORZ
 3UHVV 6(/( 7 DJDLQ WR VKRZ WKH IROORZLQJ 5(
+$5*( GLVSOD\
5(&+$5*(
'$<
GHIDXOW GLVSOD\ H[DPSOH VHW WR  GD\V PD[L
PXP EHWZHHQ UHJHQHUDWLRQV
5(&+$5*(
'$<
'0D[LPXP GD\V EHWZHHQ UHJHQHUDWLRQV 7KH IDFH
SODWH WLPHU DXWRPDWLFDOO\ FRQWUROV UHJHQHUDWLRQ IUH
TXHQF\ VHH SDJH   7KLV SURYLGHV WKH JUHDWHVW
RSHUDWLQJ HIILFLHQF\ DQG XQGHU PRVW FRQGLWLRQV WKLV
IHDWXUH ZLOO EH OHIW LQ LWV GHIDXOW PRGH +RZHYHU
\RX FDQ PRGLI\ WKLV IHDWXUH LI \RX ZDQW WR IRUFH D
UHJHQHUDWLRQ HYHU\ VHW QXPEHU RI GD\V )RU H[DP
SOH LI \RXU ZDWHU VXSSO\ FRQWDLQV LURQ DQG \RX
ZDQW WKH VRIWHQHU WR UHJHQHUDWH DW OHDVW RQFH HYHU\
IHZ GD\V WR NHHS WKH UHVLQ EHG FOHDQ VHW WKH GLVSOD\
DV W\SLFDOO\ VKRZQ DERYH 6HWWLQJ LV DYDLODEOH IURP
 WR  GD\V E\ XVLQJ WKH 83 DQG '2:1 EXWWRQV
 3UHVV 6(/( 7 WR VKRZ WKH  +285 GLVSOD\
' RU  KRXU FORFN $OO WLPH
GLVSOD\V DUH VKRZQ LQ VWDQGDUG
FORFNWLPHWR30DQGWR
 $0 DW WKH  KU GHIDXOW VHW
WLQJ ,I PLOLWDU\ WLPH GLVSOD\V DUH
GHVLUHG VHW WR  KU E\ SUHVVLQJ
WKH 83 EXWWRQ
 3UHVV 6(/( 7 WR UHWXUQ WR WKH SUHVHQW WLPH GLV
SOD\
:$7(5 )/2: 7+528*+ 7+( 62)7(1(5
,I VRIW ZDWHULVLQXVHWKHZDWHU
IORZ EDUV FRQWLQXDOO\ VFUROO
DFURVV WKH GLVSOD\ 7KH EDUV
VFUROO VORZO\ ZKHQ ZDWHU IORZ LV
VORZ DQG PRYH IDVWHU DV ZDWHU
IORZ LQFUHDVHV 7KH IORZ EDUV GR
QRW VKRZ ZKHQ DOO IDXFHWV DQG
ZDWHU XVLQJ DSSOLDQFHV DUH RII
7,0(
$0
30
7,0(
)ORZ EDUV VFUROO ZKHQ
VRIW ZDWHU LV LQ XVH

+2: <285 :$7(5 62)7(1(5 :25.6
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
5(&+$5*( 7,0( 5(0$,1,1* DQG 9$ /9 (
326,7,21 ,1',&$7256
2QH RI WKH YDOYH SRVLWLRQ LQGL
FDWRUV 6HUY )LOO %ULQH
%NZVK 5LQVH LV GLVSOD\HG
ZKLOH WKH VRIWHQHU LV UHFKDUJ
LQJ 6HH 1RWH RQ SDJH   LI
WKH /($1 IHDWXUH LV 21
5( +$5*( IODVKHV LQ WKH
GLVSOD\ DQG EHJLQQLQJ ZLWK %ULQH WKH PLQXWHV RI
UHFKDUJH UHPDLQLQJ EHIRUH UHWXUQ WR VHUYLFH DSSHDUV
LQ SODFH RI WKH SUHVHQW WLPH :KHQ WKH YDOYH LV PRY
LQJ IURP RQH F\FOH WR DQRWKHU ERWK SRVLWLRQ LQGLFD
WRUV DUH IODVKLQJ
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
DQG 5( +$5*( 7,0( QHYHU UHTXLUH UHVHWWLQJ XQ
OHVV 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 UHJHQHUD
WLRQV PD\ RFFXU DW WKH ZURQJ WLPH RI GD\ XQWLO \RX
UHVHW WKH WLPHU WR WKH FRUUHFW WLPH RI GD\ SDJH 
(5525 &2'(
$Q HUURU FRGH FRXOG DSSHDU LQ
WKHIDFHSODWHGLVSOD\LIDSURE
OHP RFFXUV LQ WKH VRIWHQHU HOHF
WURQLFV 7XUQ WR SDJH   XQGHU
´7URXEOHVKRRWLQJµ WR UHVROYH
WKH SUREOHP DQGRU FDOO WKH .HQPRUH :DWHU /LQH
  
.(1025(·6 8/75$ &/($16,1* )($785(
8 WUD6RIW  RQ \
7KH XOWUD FOHDQVLQJ IHDWXUH NHHSV ODUJHU SDUWLFOHV RI
VHGLPHQW IURP HQWHULQJ WKH KRPH·V SOXPELQJ V\V
WHP $V ZDWHU SDVVHV WKURXJK WKH VRIWHQHU WKH ODUJ
HU VHGLPHQW SDUWLFOHV DUH FROOHFWHG LQ WKH LQWHJUDWHG
ILOWHU EDVNHW DQG WKHQ ULQVHG WR WKH GUDLQ EHIRUH HDFK
UHJHQHUDWLRQ 7KH XOWUD FOHDQVLQJ IHDWXUH SURYLGHV
DGGHG SURWHFWLRQ IRU ZDWHU XVLQJ DSSOLDQFHV E\ UH
GXFLQJ WKH FKDQFH RI ODUJHU SDUWLFOHV HQWHULQJ WKH
YDULRXV SURGXFW·V YDOYHV DQG VFUHHQV
$Q H[WUD EDFNZDVK ZLOO EH SUHSURJUDPPHG LQWR
WKH HOHFWURQLFV E\ WKH IDFWRU\ VHH µ OHDQ )HDWXUHµ LQ
6HFWLRQ  µ)DFHSODWH 7LPHU )HDWXUHVµ LQ WKLV PDQX
DO 7KLV H[WUD EDFNZDVK ZLOO KHOS NHHS WKH XOWUD
FOHDQVLQJ IHDWXUH VFUHHQ FOHDQ
,PSRUWDQW 7KH XOWUD FOHDQVLQJ IHDWXUH LV QRW LQ
WHQGHG WR UHSODFH SUHWUHDWPHQW ILOWUDWLRQ )RU SURE
OHP ZDWHU DSSOLFDWLRQV DGGLWLRQDO VHGLPHQW ILOWUD
WLRQ LV UHFRPPHQGHG
6HDUV RIIHUV D IXOO OLQH RI GHGLFDWHG VHGLPHQW ILOWUD
WLRQ SURGXFWV LQFOXGLQJ WKH :KROH +RPH )LOWHU DQG
$XWRPDWLF ODULI\LQJ )LOWHU
XOWUD FOHDQVLQJ VFUHHQ
WRS GLVWULEXWRU
2)) 







6HUY
)LOO
%ULQH
%NZVK
5LQVH
0,1
5(&+$5*(
7,0( 5(0$,1,1*
YDOYH
SRVLWLRQ
LQGLFDWRUV
UHFKDUJH
WLPH
UHPDLQLQJ

+2: <285 :$7(5 62)7(1(5 :25.6
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
% 62)7 :$7(5 6(59,&( DQG 5(*(1(5$7,21
6(59,&(
:KHQ WKH VRIWHQHU LV JLYLQJ \RX VRIW ZDWHU LW LV
FDOOHG ´6HUYLFHµ 'XULQJ VHUYLFH KDUG ZDWHU FRPHV
IURP WKH KRXVH PDLQ ZDWHU SLSH LQWR WKH VRIWHQHU
,QVLGH WKH VRIWHQHU UHVLQ WDQN LV D EHG PDGH XS RI
WKRXVDQGV RI WLQ\ SODVWLF UHVLQ EHDGV ),*  $V
KDUG ZDWHU SDVVHV WKURXJK WKH EHG HDFK EHDG DW
WUDFWV DQG KROGV WKH KDUGQHVV PLQHUDOV 7KLV LV
FDOOHG LRQH[FKDQJLQJ :DWHU ZLWKRXW WKH KDUGQHVV
PLQHUDOV VRIW ZDWHU IORZV RXW RI WKH VRIWHQHU DQG
LQWR WKH KRXVH VRIW ZDWHU SLSHV$IWHU D SHULRG RI
WLPH WKH UHVLQ EHDGV KROG DOO RI WKH KDUGQHVV PLQHU
DOV WKH\ FDQ DQG FOHDQLQJ ZLWK VDOW EULQH LV QHHGHG
7KLV FOHDQLQJ LV FDOOHG UHJHQHUDWLRQ RU UHFKDUJH 5H
JHQHUDWLRQ LV VWDUWHG DW  DP E\ WKH HOHFWURQLF
WLPHU VHH SDJH   ,W WDNHV SODFH LQ  VWDJHV RU
F\FOHV 7KHVH DUH
),//
%5,1,1*
%5,1( 5,16(
%$&.:$6+
)$67 5,16(





1RWH
,I WKH &OHDQ IHDWXUH LV VHW WR 21 DGGLWLRQDO EDFN
ZDVK DQG IDVW ULQVH F\FOHV RFFXU EHIRUH WKH ILOO F\FOH
KDUG ZDWHU
,1
VRIW ZDWHU
287
UHVLQ WDQN
EULQH YDOYH
VDOW VWRUDJH
WDQN VDOW
QRW VKRZQ
UHVLQ EHG
),*  :DWHU ) RZ 7KURXJK
WKH 6RIWHQHU LQ 6HUYLFH
5(*(1(5$7,21
),// 6DOW GLVVROYHG LQ ZDWHU LV FDOOHG EULQH
%ULQH LV QHHGHG WR FOHDQ WKH KDUGQHVV PLQHUDOV IURP
WKH UHVLQ EHDGV 7R PDNH WKH EULQH ZDWHU IORZV LQWR
WKH VDOW VWRUDJH DUHD GXULQJ WKH ILOO VWDJH DV VKRZQ
LQ ),*  )LOO F\FOH OHQJWK GHSHQGV RQ KRZ PXFK
VRIW ZDWHU PDNLQJ FDSDFLW\ \RX KDYH XVHG VLQFH WKH
ODVW UHJHQHUDWLRQ $V \RX XVH PRUH ZDWHU ILOO WLPH
LQFUHDVHV VR PRUH EULQH LV PDGH 7KH JUHDWHU
DPRXQW RI EULQH FOHDQV PRUH KDUGQHVV PLQHUDOV
IURP WKH UHVLQ EHG
KDUG ZDWHU
,1
VRIW ZDWHU
287
EULQH YDOYH
VDOW VWRUDJH
WDQN
ILOO ZDWHU
),*  :DWHU ) RZ 7KURXJK
WKH 6RIWHQHU LQ )L

+2: <285 :$7(5 62)7(1(5 :25.6
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
% 62)7 :$7(5 6(59,&( DQG 5(*(1(5$7,21
%5,1,1* 'XULQJ EULQLQJ WKH EULQH LV PRYHG
IURP WKH VDOW VWRUDJH DUHD LQWR WKH UHVLQ WDQN ,QVLGH
WKH UHVLQ WDQN EULQH FOHDQV KDUGQHVV PLQHUDOV IURP
WKH UHVLQ EHDGV DQG WKH\ DUH GLVFKDUJHG RXW WKH
GUDLQ +RZ PXFK EULQH LV QHHGHG WR FOHDQ WKH UHVLQ
GHSHQGV RQ
 WKH DPRXQW RI VHUYLFH ZDWHU XVHG EHWZHHQ UHJHQ
HUDWLRQV
  WKH DPRXQW RI UHVLQ LQ WKH VRIWHQHU
  KRZ IDVW WKH EULQH JRHV WKURXJK WKH EHG
7KH QR]]OH DQG YHQWXUL ),*  PDNHV VXFWLRQ WR
WDNH EULQH IURP WKH VDOW WDQN DQG SXW LW LQWR WKH UHVLQ
WDQN 7KH\ NHHS WKH EULQH IORZ GRZQ WR D YHU\ VORZ
UDWH WR JHW WKH EHVW UHVLQ FOHDQLQJ ZLWK WKH OHDVW VDOW
%5,1( 5,16( $IWHU DOO RI WKH EULQH LV PRYHG
LQWR WKH UHVLQ WDQN WKH EULQH YDOYH FORVHV :DWHU
NHHSV IORZLQJ WKH VDPH ZD\ LW GLG GXULQJ EULQLQJ
H[FHSW WKH EULQH IORZ KDV VWRSSHG +DUGQHVV PLQHU
DOV DQG EULQH IOXVK IURP WKH UHVLQ WDQN WR WKH GUDLQ
%ULQLQJ DQG EULQH ULQVH WRJHWKHU YDU\ LQ WKH OHQJWK
RI WLPH WKH\ WDNH UHODWLYH WR WKH ILOO F\FOH OHQJWK
),*  :DWHU ) RZ 7KURXJK WKH 6RIWHQHU
LQ %ULQLQJ DQG %ULQH 5LQVH
KDUG ZDWHU
,1
KDUG ZDWHU
E\SDVV 287
EULQH YDOYH
GUDLQ
QR]]OH 
YHQWXUL
EULQH
%$ .:$6+ 'XULQJ EDFNZDVK ZDWHU IORZV
83 WKURXJK WKH UHVLQ WDQN ),*  DW D IDVW UDWH WR
IOXVK LURQ PLQHUDOV GLUW DQG VHGLPHQWV IURP WKH EHG
DQG WR WKH GUDLQ 7KH EHG OLIWV DQG H[SDQGV IRU JRRG
FOHDQLQJ
),* :DWHU ) RZ 7KURXJK WKH
6RIWHQHU LQ %DFNZDVK
KDUG ZDWHU
,1
KDUG ZDWHU
E\SDVV 287
GUDLQ
UHVLQ EHG OLIWHG
DQG H[SDQGHG
)$67 5,16( %DFNZDVK LV IROORZHG E\ D IDVW
IORZ RI ZDWHU GRZQ WKURXJK WKH UHVLQ WDQN 7KH IDVW
IORZ SDFNV WKH UHVLQ EHG DQG JHWV LW UHDG\ IRU UHWXUQ
WR VHUYLFH ),* 
$IWHU IDVW ULQVH WKH VRIWHQHU UHWXUQV WR VHUYLFH +DUG
ZDWHU JRHV LQWR WKH UHVLQ WDQN ZKHUH WKH UHVLQ EHG
DJDLQ WDNHV RXW WKH KDUGQHVV PLQHUDOV 6RIW ZDWHU
JRHV WR WKH KRXVH VRIW ZDWHU SLSHV
),*  :DWHU ) RZ 7KURXJK WKH
6RIWHQHU LQ )DVW 5LQVH
VRIW ZDWHU
287
GUDLQ
KDUG ZDWHU
,1

+2: <285 :$7(5 62)7(1(5 :25.6
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
% 62)7 :$7(5 6(59,&( DQG 5(*(1(5$7,21
$8720$7,& %<3$66
'XULQJ WKH EULQLQJ EULQH ULQVH DQG EDFNZDVK F\FOHV
RI UHJHQHUDWLRQ +$5' ZDWHU JRHV WKURXJK WKH VRIW
HQHU YDOYH DQG WR WKH KRXVH SLSHV ,I D IDXFHW LV
RSHQHG KDUG ZDWHU LV WKHUH IRU \RXU QHHGV +RZHY
HU \RX VKRXOG QRW XVH KRW ZDWHU LI SRVVLEOH EHFDXVH
WKH ZDWHU KHDWHU ZLOO UHILOO ZLWK KDUG ZDWHU 7KH VRIW
HQHU DV IDFWRU\ SURJUDPPHG UHJHQHUDWHV IURP 
$0 WR DERXW  $0 D WLPH ZKHQ QRW PXFK ZDWHU
LV XVHG
,I \RX VWDUW \RXU GD\ SULRU WR  $0 \RX PD\ QHHG
WR FKDQJH WKH UHFKDUJH VWDUWLQJ WLPH 6HW WKH UH
FKDUJH WLPH WR  $0 RU  $0 SDJH  
7KHQ UHJHQHUDWLRQ ZLOO VWDUW DQG HQG WKDW PXFK HDU
OLHU DQG \RXU ZDWHU KHDWHU ZLOO QRW UHILOO ZLWK KDUG
ZDWHU LI D KRW IDXFHW LV RSHQHG
(/(&7521,&6
7ZR PDLQ SDUWV RI WKH VRIWHQHU·V HOHFWURQLFV DUH o
D:$7(50(7(5DQGwD 20387(5
o:$7(5 0(7(5 ³ 7KH ZDWHU PHWHU LV LQ WKH VRIW
HQHU YDOYH RXWOHW $V ZDWHU IORZV WKURXJK WKH PHWHU
LW VHQGV HOHFWULF SXOVHV WR WKH FRPSXWHU 7KH FRP
SXWHU FKDQJHV WKH SXOVHV WR D PHDVXUH LQ JDOORQV RI
ZDWHU
w20387(5 ³ 7KH FRPSXWHU LV SDUW RI WKH IDFH
SODWH WLPHU FLUFXLW ERDUG ,W LV SURJUDPPHG WR NQRZ
WKH VRIWHQHU·V FDSDFLW\ KRZ PDQ\ JUDLQV RI KDUG
QHVV PLQHUDOV LW ZLOO WDNH RXW RI WKH ZDWHU EHIRUH D UH
JHQHUDWLRQ LV QHHGHG :KHQ VWDUWLQJ WKH VRIWHQHU
SDJH   \RX VHW LW IRU WKH JUDLQV SHU JDOORQ JSJ
KDUGQHVV RI WKH ZDWHU
7R ILQG D UHJHQHUDWLRQ SDWWHUQ EHVW IRU \RXU QHHGV
WKH FRPSXWHU XVHV  ZDWHU XVDJH IURP WKH PHWHU
 KDUGQHVV VHWWLQJ  VRIWHQHU FDSDFLW\ DQG 
WLPH VLQFH WKH ODVW UHJHQHUDWLRQ 7KH FRPSXWHU DO
ZD\V DGMXVWV WKLV SDWWHUQ WR \RXU ZDWHU XVLQJ KDE
LWV ,W ZRUNV WRZDUG SURYLGLQJ \RX ZLWK VRIW ZDWHU
IRU WKH ORQJHVW WLPH DQG DW WKH PRVW HIILFLHQW VDOW
XVDJH
6RIWHQLQJ FDSDFLW\ LV XVHG DV KDUG ZDWHU JRHV
WKURXJK WKH VRIWHQHU DQG KDUGQHVV PLQHUDOV DUH UH
PRYHG :KHQ WKH FRPSXWHU GHWHUPLQHV WKDW RQO\
HQRXJK FDSDFLW\ UHPDLQV WR SURYLGH VRIW ZDWHU XS WR
WKH QH[W UHJHQHUDWLRQ VWDUWLQJ WLPH  $0 RU DV
RWKHUZLVH VHW LW ZLOO VFKHGXOH D UHJHQHUDWLRQ :KHQ
WKH UHJHQHUDWLRQ EHJLQV 5(&+$5*( RU 5(
&+$5*( 7,0( 5(0$,1,1* IODVKHV GXULQJ WKH UH
JHQHUDWLRQ
1RWH
,I WKH /($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFN
ZDVK &/($1 DQG %N VK RU 5LQVH IODVKHV LQ WKH GLV
SOD\ DORQJ ZLWK WKH PLQXWHV RI WKH FOHDQ F\FOH UH
PDLQLQJ SUHFHGHV WKH UHFKDUJH

&$5( 2) <285 :$7(5 62)7(1(5
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
$ 6$/7 $'',1* 6$/7 72 6725$*( 7$1. 6$/7 %5,'*(
:+(1 72 $'' 6$/7 7KH 6DOW
0RQLWRU 6\VWHP VHH SDJH  
ZLOO WXUQ WKH ORZ VDOW OLJKW RQ WR
ZDUQ \RX ZKHQ WR UHILOO ZLWK VDOW
KHFN IRU D ORZ VDOW OLJKW D IHZ
ZHHNV DIWHU \RX LQVWDOO WKH VRIWHQ
HU DQG HYHU\ ZHHN DIWHU WKDW $GG
VDOW DW DERXW WKH  VDOW PRQLWRU
OHYHO $W WKLV OHYHO WKH WDQN LV
DERXW  IXOO 1HYHU OHW WKH VRIWHQHU XVH DOO WKH VDOW
EHIRUH UHILOOLQJ :LWKRXW VDOW \RX ZLOO VRRQ KDYH
KDUG ZDWHU $IWHU ILOOLQJ UHVHW WKH 6DOW 0RQLWRU 6\V
WHP SDJH 
1RWH
<RX ZLOO KDYH D ORVV LQ VRIWHQLQJ FDSDFLW\ DQG PD\
JHW SDUWO\ KDUG ZDWHU LIOHVV WKDQ  LQFKHV VDOW PRQ
LWRU OHYHO  RI VDOW LV LQ WKH VWRUDJH WDQN
3/($6( 6(( 3$*(   )25 6$/7 ),//,1* ',5(&7,216
%( 685( 72 5(6(7 7+( 6$/7 021,725 3$*( 
6$/7 %5,'*(
6RPHWLPHV D KDUG FUXVW RU VDOW EULGJH IRUPV LQ WKH
VDOW VWRUDJH WDQN ,W LV XVXDOO\ FDXVHG E\ KLJK KX
PLGLW\ RU WKH ZURQJ NLQG RI VDOW :KHQ WKH VDOW
EULGJHV DQ HPSW\ VSDFH IRUPV EHWZHHQ WKH ZDWHU
DQG VDOW 7KHQ VDOW ZLOO QRW GLVVROYH PHOW LQ WKH ZD
WHU WR PDNH EULQH :LWKRXW EULQH WKH UHVLQ EHG GRHV
QRW UHJHQHUDWH DQG \RX ZLOO KDYH KDUG ZDWHU
,I WKH VWRUDJH WDQN LV IXOO RI VDOW LW LV KDUG WR WHOO LI \RX
KDYH D VDOW EULGJH 6DOW LV ORRVH RQ WRS EXW WKH EULGJH
LV XQGHU LW 7KH IROORZLQJ LV WKH EHVW ZD\ WR FKHFN IRU
D VDOW EULGJH
6DOW VKRXOG EH ORRVH DOO WKH ZD\ WR WKH ERWWRP RI WKH
WDQN +ROG D EURRP KDQGOH RU OLNH WRRO XS WR WKH
VRIWHQHU DV VKRZQ LQ ),*  0DNH D SHQFLO PDUN RQ
WKH KDQGOH sRU sEHORZWKHWRSKHLJKWRIWKHULP
7KHQ FDUHIXOO\ SXVK LW VWUDLJKW GRZQ LQWR WKH VDOW
,I D KDUG REMHFW LV IHOW EHIRUH WKH SHQFLO PDUN JHWV WR
WKH WRS RI WKH WDQN LW·V PRVW OLNHO\ D VDOW EULGJH
DUHIXOO\ SXVK LQWR WKH EULGJH LQ D IHZ SODFHV WR
EUHDN LW 'R QRW WU\ WR EUHDN WKH VD W EULGJH E\
SRXQGLQJ RQ WKH RXWVLGH RI WKH VD W WDQN <RX PD\
GDPDJH WKH WDQN
,I WKH ZURQJ NLQG RI VDOW PDGH WKH EULGJH WDNH LW RXW
7KHQ ILOO WKH WDQN ZLWK QXJJHW RU SHOOHW VDOW RQO\
),*  6D W %ULGJH
EURRP KDQGOH
SXVK WRRO LQWR VDOW
EULGJH WR EUHDN
VDOW
VDOW EULGJH
ZDWHU OHYHO
SHQFLO
PDUN
µ  µ
6
(
&
7
,
2
1


&$5( 2) <285 :$7(5 62)7(1(5
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
% .((3,1* 7+( :$7(5 62)7(1(5 &/($1
12==/(  9(1785,
$ FOHDQ QR]]OH DQG YHQWXUL ),*  LV D PXVW IRU WKH
VRIWHQHU WR ZRUN ULJKW 7KLV VPDOO XQLW PRYHV EULQH
IURP WKH VDOW VWRUDJH WDQN WR WKH UHVLQ WDQN GXULQJ UH
JHQHUDWLRQ ,I LW EHFRPHV SOXJJHG ZLWK VDQG VLOW
GLUW HWF WKH VRIWHQHU ZLOO QRW ZRUN DQG \RX ZLOO JHW
KDUG ZDWHU
7R JHW WR WKH QR]]OH DQG YHQWXULUHPRYH WKH VRIWHQHU
WRS FRYHU %H VXUH WKH VRIWHQHU LV LQ VHUYLFH F\FOH QR
ZDWHU SUHVVXUH DW QR]]OH DQG YHQWXUL
 7XUQ RII WKH FDS IURP WKH QR]]OH DQG YHQWXULKRXV
LQJ
 /LIW RXW WKH VFUHHQ VXSSRUW DQG VFUHHQ GR QRW ORVH
WKH ODUJH RULQJ VHDO
 7KHQ WKH QR]]OH DQG YHQWXUL :DVK DQG ULQVH WKH
SDUWV LQ ZDUP ZDWHU XQWLO FOHDQ ,I QHHGHG XVH D
VPDOO EUXVK WR UHPRYH LURQ RU GLUW $OVR FKHFN DQG
FOHDQ WKH JDVNHW IORZ SOXJV DQG VFUHHQV
DUHIXOO\ UHSODFH DOO SDUWV LQ WKH FRUUHFW RUGHU /X
EULFDWH WKH RULQJ VHDO ZLWK VLOLFRQH JUHDVH RU 9DVH
OLQH DQG SODFH LQ SRVLWLRQ ,QVWDOO DQG WLJKWHQ WKH
FDS E\ KDQG RQ \ 'R QRW RYHUWLJKWHQ DQG EUHDN
WKH FDS RU KRXVLQJ
),*  & HDQLQJ 1R]] H  9HQWXUL
,QVWDOO ZLWK QXPEHUHG VLGH XS FRQFDYH
VLGH GRZQ %H VXUH WKH ODUJHVW IORZ SOXJ LV
ORFDWHG LQ WKH QR]]OH  YHQWXUL KRXVLQJ
&DS
2ULQJ 6HDO
6FUHHQ 6XSSRUW
6FUHHQ
1R]]OH  9HQWXUL
*DVNHW
 )ORZ 3OXJ
+9'&
1R]]OH  9HQWXUL
+RXVLQJ
6FUHHQ
,03257$17 %H VXUH VPDOO
KROHV LQ WKH JDVNHW DUH FHQ
WHUHG GLUHFWO\ RYHU WKH VPDOO
KROHV LQ WKH QR]]OH  YHQWXUL
KRXVLQJ
 )ORZ 3OXJ
,521 )520 5(6,1 %('
<RXU ZDWHU VRIWHQHU WDNHV KDUGQHVV PLQHUDOV FDO
FLXP DQG PDJQHVLXP RXW RI WKH ZDWHU ,W FDQ DOVR
FRQWURO VRPH ´FOHDU ZDWHUµ LURQ 6HH PD[LPXP DO
ORZHG LQ WKH VSHFLILFDWLRQV RQ SDJH   :LWK FOHDU
ZDWHU LURQ ZDWHU IURP D IDXFHW LV FOHDU ZKHQ ILUVW
SXWLQWRDJODVV$IWHUWRPLQXWHVWKHZDWHUEH
JLQV WR FORXG RU WXUQ UXVW FRORUHG $ ZDWHU VRIWHQHU
:,// 127 UHPRYH DQ\ LURQ ZKLFK PDNHV WKH ZDWHU
FORXG\ RU UXVW\ DV LW FRPHV IURP WKH IDXFHW FDOOHG
UHG ZDWHU LURQ 7R WDNH UHG ZDWHU LURQ RXW RI ZDWHU
RU RYHU WKH PD[LPXP RI FOHDU ZDWHU LURQ DQ LURQ ILO
WHU RU RWKHU HTXLSPHQW LV QHHGHG <RXU ORFDO 6HDUV
VWRUH KDV WUDLQHG SHRSOH WR KHOS \RX ZLWK LURQ ZDWHU
SUREOHPV
,I \RXU ZDWHU VXSSO\ KDV FOHDU ZDWHU LURQ HYHQ
WKRXJK OHVV WKDQ WKH PD[LPXP DOORZHG UHJXODU
UHVLQ EHG FOHDQLQJ LV QHHGHG <RXU ORFDO 6HDUV VWRUH
KDV UHVLQ EHG FOHDQHU ,WHP 1R  IRU WKLV
OHDQ WKH EHG DW OHDVW HYHU\  PRQWKV ,I LURQ VKRZV
XS LQ WKH VRIW ZDWHU EHIRUH  PRQWKV FOHDQ PRUH
RIWHQ 3ULQWHG LQVWUXFWLRQV DUH RQ WKH UHVLQ EHG
FOHDQHU ERWWOH

&$5( 2) <285 :$7(5 62)7(1(5
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
& 3527(&7 7+( :$7(5 62)7(1(5 )520 )5((=,1*
,I WKH VRIWHQHU LV LQVWDOOHG ZKHUH LW FRXOG IUHH]H
VXPPHU FDELQ ODNH KRPH HWF \RX PXVW GUDLQ DOO
ZDWHU IURP LW WR VWRS SRVVLEOH IUHH]H GDPDJH 7R
GUDLQ WKH VRIWHQHU
 ORVH WKH VKXWRII YDOYH RQ WKH KRXVH PDLQ ZD
WHU SLSH QHDU WKH ZDWHU PHWHU RU SUHVVXUH WDQN
 2SHQ D IDXFHW LQ WKH VRIW ZDWHU SLSHV WR YHQW
SUHVVXUH LQ WKH VRIWHQHU
 5HIHUWR),*RQSDJH0RYHWKHVWHPLQ
D VLQJOH E\SDVV YDOYH WR E\SDVV ORVH WKH LQOHW
DQG RXWOHW YDOYH LQ D YDOYH E\SDVV V\VWHP DQG
RSHQ WKH E\SDVV YDOYH ,I \RX ZDQW ZDWHU LQ WKH
KRXVH SLSHV DJDLQ UHRSHQ WKH VKXWRII YDOYH RQ
WKH PDLQ ZDWHU SLSH
 8QSOXJ WKH WUDQVIRUPHU DW WKH ZDOO RXWOHW 5H
PRYH WKH VDOW KROH FRYHU DQG WKH PDLQ FRYHU
7DNH RII ERWK GUDLQ KRVHV
 DUHIXOO\ UHPRYH WKH ODUJH KROGLQJ FOLSV DW WKH
VRIWHQHU LQOHW DQG RXWOHW VHH .H\ 1R  RQ SDJH
  6HSDUDWH WKH VRIWHQHU IURP WKH FRSSHU
WXEHV RU IURP WKH E\SDVV YDOYH
 5HPRYH WKH EULQHZHOO FRYHU DQG GLVFRQQHFW WKH
EULQH YDOYH WXELQJ DW WKH QR]]OH DQG YHQWXUL DV
VHPEO\ VHH SDJH   /LIW WKH EULQH YDOYH RXW RI
WKH EULQHZHOO 7LS WKH EULQH YDOYH XSVLGH GRZQ
WR GUDLQ ZDWHU
ZRRG EORFN
IORRU
GUDLQ
),*  'UDLQ$ :DWHU)URP6RIWHQHU
 /RRNLQJ DW ),*  OD\ D SLHFH RI  LQFK WKLFN
ERDUG QHDU WKH IORRU GUDLQ 0RYH WKH VRIWHQHU
FORVH WR WKH GUDLQ 6/2:/< DQG $5()8//<
WLS LW RYHU XQWLO WKH ULP UHVWV RQ WKH ZRRG EORFN
ZLWK WKH LQOHW DQG RXWOHW RYHU WKH GUDLQ 'R QRW
D RZ WKH VRIWHQHU·V ZHLJKW WR UHVW RQ WKH LQ HW
DQG RXW HW ILWWLQJV RU WKH\ ZL EUHDN
 7LS WKH ERWWRP RI WKH VRIWHQHU XS D IHZ LQFKHV
DQG KROG XQWLO DOO ZDWHU KDV GUDLQHG /HDYH WKH
VRIWHQHU OD\LQJ OLNH WKLV XQWLO \RX DUH UHDG\ WR
XVH LW 3OXJ WKH LQOHW DQG RXWOHW ZLWK UDJV WR NHHS
GLUW EXJV HWF RXW

&$5( 2) <285 :$7(5 62)7(1(5
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
' &+(&./,67  72 +(/3 <28 6$9( 021(<
,I \RXU ZDWHU VRIWHQHU IDLOV WR ZRUN PDNH WKH IROORZLQJ HDV\ FKHFNV 2IWHQ \RX ZLOO ILQG ZKDW·V ZURQJ \RXU
VHOI DQG \RX ZRQ·W KDYH WR FDOO DQG ZDLW IRU VHUYLFH ,I \RX GR QRW ILQG DQ\WKLQJ ZURQJ ZKLOH PDNLQJ WKH
FKHFNV DQG \RXU VRIWHQHU VWLOO GRHV QRW ZRUN FDOO \RXU 6HDUV 6HUYLFH 'HSDUWPHQW
1RWH
 $OVR UHDG (5525 2'( SDJH 
 ,I DQ HUURU FRGH LV QRW GLVSOD\HG SUHVV DQG KROG WKH 6(/( 7 EXWWRQ XQWLO WKH GLVSOD\ FKDQJHV 7KHQ SUHVV
WKH 6(/( 7 EXWWRQ DJDLQ DQG KROG XQWLO D IODVKLQJ 65 FRGH DSSHDUV ,W PXVW VKRZ 65 ,I DQ\ RWKHU QXPEHU
VKRZV WKH IDFH SODWH FRPSXWHU LV ZRUNLQJ RQ LQFRUUHFW LQSXW DQG ZRXOG SUREDEO\ EH WKH FDXVH RI WKH SUREOHP
7R VHW 65 SUHVV HLWKHU WKH 83 RU '2:1 EXWWRQ :KHQ FRUUHFW PRGHO FRGH VKRZV SUHVV 6(/( 7 WR
UHWXUQ D IODVKLQJ  $0 GLVSOD\ 5HVHW WKH SUHVHQW WLPH KDUGQHVV QXPEHU HWF SDJHV   DQG  
352%/(0 &$86( &255(&7,21
1R VRIW ZDWHU 1R VDOW RU VDOW EULGJHG LQ WKH VWRUDJH WDQN $GG VDOW RU EUHDN WKH VDOW EULGJH SDJH 
3UHVV 212))+2/' 5(&+$5*( 12:
E WWRQ DQG KROG IRU  VHFRQGV WR VWDUW D
UHJHQHUDWLRQ VHH SDJH 
7UDQVIRUPHU QSO JJHG DW WKH ZDOO R WOHW
RU SRZHU FDEOH OHDGV ORRVH IURP WKH
HOHFWURQLF ERDUG I VH EORZQ FLUF LW
EUHDNHU SRSSHG RU FLUF LW VZLWFKHG RII
&KHFN IRU ORVV RI SRZHU G H WR DQ\ RI WKHVH
DQG FRUUHFW :LWK WKH SRZHU EDFN RQ ORRN DW
WKH WLPH GLVSOD\ DQG UHDG 352*5$0
0(025< SDJH 
0DQ DO E\SDVV YDOYHV LQ E\SDVV SRVLWLRQ /RRN DW ),* RQ SDJH  0RYH WKH VWHP LQ
D VLQJOH YDOYH WR VHUYLFH ,Q D YDOYH E\SDVV
RSHQ WKH LQOHW DQG R WOHW YDOYHV DQG EH V UH WR
I OO\ FORVH WKH E\SDVV YDOYH
'LUW\ SO JJHG RU GDPDJHG QR]]OH 
YHQW UL
7DNH DSDUW DQG FOHDQ RU UHSODFH GDPDJHG
SDUWV VHH SDJH 
9DOYH GUDLQ KRVH SO JJHG 7KH GUDLQ KRVH P VW QRW KDYH NLQNV VKDUS
EHQGV RU EH UDLVHG WRR KLJK DERYH WKH
VRIWHQHU VHH SDJH  LQ \R U LQVWDOODWLRQ
PDQXDO
:DWHU KDUG VRPHWLPHV +DUGQHVV Q PEHU VHWWLQJ WRR ORZ 3UHVV DQG UHOHDVH WKH 6(/(&7 E WWRQ QWLO
+$5'1(66 VKRZV LQ WKH GLVSOD\ 5HDG WKH
KDUGQHVV Q PEHU LQ WKH GLVSOD\ DQG EH V UH
WKH VDPH JUDLQV SHU JDOORQ Q PEHU LV VKRZQ
RQ \R U ZDWHU DQDO\VLV UHSRUW 6HH SDJH  WR
UHVHW 3UHVV DQG UHOHDVH WKH 6(/(&7 E WWRQ
QWLO WKH SUHVHQW WLPH VKRZV LQ WKH GLVSOD\
8VLQJ KRW ZDWHU ZKHQ VRIWHQHU LV
UHJHQHUDWLQJ
$YRLG VLQJ KRW ZDWHU G ULQJ WKLV WLPH EHFD VH
WKH ZDWHU KHDWHU UHILOOV ZLWK KDUG ZDWHU VHH
$ WRPDWLF %\SDVV SDJH 
,QFUHDVH LQ WKH JUDLQV RI KDUGQHVV LQ \R U
ZDWHU V SSO\
$VN \R U 6HDUV UHWDLO VWRUH IRU D QHZ ZDWHU
DQDO\VLV 7KHQ PDNH D QHZ KDUGQHVV Q PEHU
VHWWLQJ SDJH 
%ULQH WDQN IORRGHG 5HVWULFWHG GUDLQ OLQH &KHFN IRU NLQNV EHQGV RU REVWU FWLRQV VHH
SDJH  LQ \R U LQVWDOODWLRQ PDQXDO
3O JJHG RU GLUW\ QR]]OH  YHQW UL 7DNH DSDUW DQG FOHDQ RU UHSODFH GDPDJHG
SDUWV VHH SDJH 
9DOYHURWRU GLVF  VHDOV &KHFN IRU VFUDWFKHV RU JURRYHV UHSODFH LI
QHHGHG

%\SDVV
9DOYH
,QOHW
9DOYH
2XWOHW
9DOYH
)25 6(59,&(
FORVH E\SDVV YDOYH
RSHQ LQOHW  RXWOHW YDOYHV
)25 %<3$66
RSHQ E\SDVV YDOYH
FORVH LQOHW  RXWOHW YDOYHV
%\SDVV YDOYHV VKRXOG DOZD\V UHPDLQ LQ VRIW
ZDWHU VHUYLFH SRVLWLRQ 3RVLWLRQ LQ ´E\SDVVµ RQO\
LI QHHGHG IRU VRIWHQHU UHSDLUV
),* ),*  %<3$66 9$/9(6
  9$/9( %<3$66
6,1*/( %<3$66
$
%
&
'
(
)
.12: $%287 <285 :$7(5 62)7(1(5
6(&7,21 

3URE HPV 4XHVWLRQV" &D   .HQPRUH :DWHU /LQH
$ ',0(16,216  63(&,),&$7,216
,QFKHV &0
$6DOW 7DQN +HLJKW  
%5HVLQ 7DQN 'LDPHWHU
QRPLQDO
 
&5HVLQ 7DQN +HLJKW
QRPLQDO
 
',QOHW2 WOHW +HLJKW  
(2YHUDOO +HLJKW  
)

/HQJWK  
)

:LGWK  
³'LVWDQFH EHWZHHQ LQOHW
R WOHW FHQWHU OLQHV
 
7,0(5 65 &2'( 65
1RWH 3OHDVH VHH WKH UDWLQJ GHFDO IRU RSHUDWLQJ FDSDFLW\ VDOW XVDJH DQG VHUYLFH IORZ UDWHSUHVVXUH ORVV
SHUIRUPDQFH VSHFLILFDWLRQV 3HUIRUPDQFH VSHFLILFDWLRQV DUH YDOLGDWHG E\ WKH :DWHU 4XDOLW\ $VVRFLDWLRQ
:4$ 7KH UDWLQJ GHFDO LV ORFDWHG RQ WKH ULP XQGHU WKH VDOW KROH FRYHU VHH SDJH $ LQVLGH IURQW FRYHU
:$7(5 6833/< 72 :$7(5 62)7(1(5
0LQLPXP ZDWHU V\VWHP IORZ JSP 
0LQLPXP0D[ ZDWHU SUHVVXUH SVL   
0LQLPXP0D[ ZDWHU WHPSHUDWXUH  )   
0D[LPXP ZDWHU KDUGQHVV JSJ 
0D[LPXP ¶¶FOHDU ZDWHU·· LURQ SSP 
6$/7 )25 :$7(5 62)7(1(5
7\SH RI VDOW QHHGHG QXJJHW RU SHOOHW
$OWHUQDWH W\SH RI VDOW SXUH HYDSRUDWHG FRPSDFWHG
ZDWHU VRIWHQHU VDOW
6
(
&
7
,
2
1
