Toro 71300 Wheel Horse 12-32 XLE User manual

2SHUDWRU·V 0DQXDO
,QWHUQDWLRQDO (QJOLVK *%
)RUP 1R 
:KHHO +RUVHÇ
 ;/( /DZQ 7UDFWRU
³ DQG 8S

È7KH 7RUR &RPSDQ\  
3ULQWHG LQ 86$
$OO 5LJKWV 5HVHUYHG
,QWURGXFWLRQ
7KDQN \RX IRU SXUFKDVLQJ D 7RUR SURGXFW
$OO RI XV DW 7RUR ZDQW \RX WR EH FRPSOHWHO\ VDWLVILHG
ZLWK \RXU QHZ SURGXFW VR IHHO IUHH WR FRQWDFW \RXU
ORFDO $XWKRUL]HG 6HUYLFH 'HDOHU IRU KHOS ZLWK VHUYLFH
JHQXLQH UHSODFHPHQW SDUWV RU RWKHU LQIRUPDWLRQ \RX
PD\ UHTXLUH
:KHQHYHU \RX FRQWDFW \RXU $XWKRUL]HG 6HUYLFH
'HDOHU RU WKH IDFWRU\ DOZD\V NQRZ WKH PRGHO DQG
VHULDO QXPEHUV RI \RXU SURGXFW 7KHVH QXPEHUV ZLOO
KHOS WKH 6HUYLFH 'HDOHU RU 6HUYLFH 5HSUHVHQWDWLYH
SURYLGH H[DFW LQIRUPDWLRQ DERXW \RXU VSHFLILF
SURGXFW <RX ZLOO ILQG WKH PRGHO DQG VHULDO QXPEHU
SODWH ORFDWHG LQ D XQLTXH SODFH RQ WKH SURGXFW DV
VKRZQ EHORZ
P

 0RGHO DQG 6HULDO 1XPEHU
3ODWH XQGHU WKH VHDW
)RU \RXU FRQYHQLHQFH ZULWH WKH SURGXFW PRGHO DQG
VHULDO QXPEHUV LQ WKH VSDFH EHORZ
0RGHO 1R
6HULDO 1R
5HDG WKLV PDQXDO FDUHIXOO\ WR OHDUQ KRZ WR RSHUDWH
DQG PDLQWDLQ \RXU SURGXFW FRUUHFWO\ 5HDGLQJ WKLV
PDQXDO ZLOO KHOS \RX DQG RWKHUV DYRLG SHUVRQDO LQMXU\
DQG GDPDJH WR WKH SURGXFW $OWKRXJK ZH GHVLJQ
SURGXFH DQG PDUNHW VDIH VWDWHRIWKHDUW SURGXFWV
\RX DUH UHVSRQVLEOH IRU XVLQJ WKH SURGXFW SURSHUO\
DQG VDIHO\ <RX DUH DOVR UHVSRQVLEOH IRU WUDLQLQJ
SHUVRQV ZKR \RX DOORZ WR XVH WKH SURGXFW DERXW VDIH
RSHUDWLRQ
7KH ZDUQLQJ V\VWHP LQ WKLV PDQXDO LGHQWLILHV
SRWHQWLDO KD]DUGV DQG KDV VSHFLDO VDIHW\ PHVVDJHV WKDW
KHOS \RX DQG RWKHUV DYRLG SHUVRQDO LQMXU\ HYHQ GHDWK
'$1*(5 :$51,1* DQG &$87,21 DUH VLJQDO
ZRUGV XVHG WR LGHQWLI\ WKH OHYHO RI KD]DUG +RZHYHU
UHJDUGOHVV RI WKH KD]DUG EH H[WUHPHO\ FDUHIXO
'$1*(5 VLJQDOV DQ H[WUHPH KD]DUG WKDW ZLOO FDXVH
VHULRXV LQMXU\ RU GHDWK LI WKH UHFRPPHQGHG
SUHFDXWLRQV DUH QRW IROORZHG
:$51,1* VLJQDOV D KD]DUG WKDW PD\ FDXVH VHULRXV
LQMXU\ RU GHDWK LI WKH UHFRPPHQGHG SUHFDXWLRQV DUH
QRW IROORZHG
&$87,21 VLJQDOV D KD]DUG WKDW PD\ FDXVH PLQRU RU
PRGHUDWH LQMXU\ LI WKH UHFRPPHQGHG SUHFDXWLRQV DUH
QRW IROORZHG
7ZR RWKHU ZRUGV DUH DOVR XVHG WR KLJKOLJKW
LQIRUPDWLRQ ´,PSRUWDQWµ FDOOV DWWHQWLRQ WR VSHFLDO
PHFKDQLFDO LQIRUPDWLRQ DQG ´1RWHµ HPSKDVL]HV
JHQHUDO LQIRUPDWLRQ ZRUWK\ RI VSHFLDO DWWHQWLRQ
7KH OHIW DQG ULJKW VLGH RI WKH PDFKLQH LV GHWHUPLQHG
E\ VLWWLQJ RQ WKH VHDW LQ WKH QRUPDO RSHUDWRU·V
SRVLWLRQ


&RQWHQWV
3DJH
6DIHW\ 
6DIH 2SHUDWLRQ 3UDFWLFHV IRU 5LGHRQ ULGLQJ
5RWDU\ /DZQPRZHU 0DFKLQHV 
6DIH 2SHUDWLQJ 3UDFWLFHV 
7RUR 5LGLQJ 0RZHU 6DIHW\ 
6RXQG 3UHVVXUH /HYHO 
6RXQG 3RZHU /HYHO 
9LEUDWLRQ /HYHO 
6ORSH &KDUW 
6\PEROV *ORVVDU\ 
6\PEROV *ORVVDU\ 
6\PEROV *ORVVDU\ 
*DVROLQH DQG 2LO 
5HFRPPHQGHG *DVROLQH 
8VLQJ 6WDELOL]HU&RQGLWLRQHU 
)LOOLQJ WKH )XHO 7DQN 
&KHFN (QJLQH 2LO /HYHO 
2SHUDWLRQ 
7KLQN 6DIHW\ )LUVW 
&RQWUROV 
3DUNLQJ %UDNH 
3RVLWLRQLQJ WKH 6HDW 
+HDGOLJKWV 
8VLQJ WKH %ODGH &RQWURO 372 
6HWWLQJ WKH +HLJKWRI&XW 
6WDUWLQJ DQG 6WRSSLQJ WKH (QJLQH 
7KH 6DIHW\ 6\VWHP 
2SHUDWLQJLQ5HYHUVH 
7HVWLQJ WKH 6DIHW\ 6\VWHP 
3DJH
'ULYLQJ )RUZDUG RU %DFNZDUG 
6HOHFWLQJ *URXQG 6SHHGV 
6WRSSLQJ WKH 0DFKLQH 
6LGH 'LVFKDUJH RU 0XOFK *UDVV 
,QVWDOOLQJ WKH 'LVFKDUJH &RYHU 
7LSV IRU 0RZLQJ *UDVV 
0DLQWHQDQFH 
6HUYLFH ,QWHUYDO &KDUW 
*UHDVLQJ DQG /XEULFDWLRQ 
7LUH 3UHVVXUH 
%UDNH 
:LULQJ 'LDJUDP 
)XVH 
+HDGOLJKWV 
%DWWHU\ 
6SDUN 3OXJ 
)XHO 7DQN 
)XHO )LOWHU 
$LU &OHDQHU 
(QJLQH 2LO 
&XWWLQJ %ODGH 
5HPRYLQJ WKH 0RZHU 
,QVWDOOLQJ WKH 0RZHU 
%ODGH 'ULYH %HOW 
6LGHWR6LGH 0RZHU /HYHOLQJ 
)URQWWR5HDU %ODGH 6ORSH 
:DVKLQJ 8QGHUVLGH RI 0RZHU 
&OHDQLQJ DQG 6WRUDJH 
7URXEOHVKRRWLQJ 


6DIHW\
6DIH 2SHUDWLRQ 3UDFWLFHV IRU
5LGHRQ ULGLQJ 5RWDU\
/DZQPRZHU 0DFKLQHV
7KLV PDFKLQH PHHWV RU H[FHHGV (XURSHDQ
6WDQGDUGV LQ HIIHFW DW WKH WLPH RI SURGXFWLRQ
+RZHYHU LPSURSHU XVH RU PDLQWHQDQFH E\ WKH
RSHUDWRU RU RZQHU FDQ UHVXOW LQ LQMXU\ 7R UHGXFH
WKH SRWHQWLDO IRU LQMXU\ FRPSO\ ZLWK WKHVH VDIHW\
LQVWUXFWLRQV DQG DOZD\V SD\ DWWHQWLRQ WR WKH VDIHW\
DOHUW V\PERO ZKLFK PHDQV &$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
7KH IROORZLQJ LQVWUXFWLRQV DUH IURP WKH &(1 VWDQGDUG
(1 
7KLV SURGXFW LV FDSDEOH RI DPSXWDWLQJ KDQGV DQG IHHW
DQG WKURZLQJ REMHFWV $OZD\V IROORZ DOO VDIHW\
LQVWUXFWLRQV WR DYRLG VHULRXV LQMXU\ RU GHDWK
7UDLQLQJ
5HDG WKH LQVWUXFWLRQV FDUHIXOO\ %H IDPLOLDU ZLWK
WKH FRQWUROV DQG WKH SURSHU XVH RI WKH HTXLSPHQW
1HYHU DOORZ FKLOGUHQ RU SHRSOH XQIDPLOLDU ZLWK
WKHVH LQVWUXFWLRQV WR XVH WKH ODZQPRZHU /RFDO
UHJXODWLRQV FDQ UHVWULFW WKH DJH RI WKH RSHUDWRU
1HYHU PRZ ZKLOH SHRSOH HVSHFLDOO\ FKLOGUHQ RU
SHWV DUH QHDUE\
.HHS LQ PLQG WKDW WKH RSHUDWRU RU XVHU LV
UHVSRQVLEOH IRU DFFLGHQWV RU KD]DUGV RFFXUULQJ WR
RWKHU SHRSOH RU WKHLU SURSHUW\
'R QRW FDUU\ SDVVHQJHUV
$OO GULYHUV VKRXOG VHHN DQG REWDLQ SURIHVVLRQDO
DQG SUDFWLFDO LQVWUXFWLRQ 6XFK LQVWUXFWLRQ VKRXOG
HPSKDVL]H
WKH QHHG IRU FDUH DQG FRQFHQWUDWLRQ ZKHQ
ZRUNLQJ ZLWK ULGHRQ PDFKLQHV
FRQWURO RI D ULGHRQ PDFKLQH VOLGLQJ RQ D
VORSH ZLOO QRW EH UHJDLQHG E\ WKH DSSOLFDWLRQ
RI WKH EUDNH 7KH PDLQ UHDVRQV IRU ORVV RI
FRQWURO DUH
LQVXIILFLHQW ZKHHO JULS
EHLQJ GULYHQ WRR IDVW
LQDGHTXDWH EUDNLQJ
WKH W\SH RI PDFKLQH LV XQVXLWDEOH IRU
LWV WDVN
ODFN RI DZDUHQHVV RI WKH HIIHFW RI
JURXQG FRQGLWLRQV HVSHFLDOO\ VORSHV
LQFRUUHFW KLWFKLQJ DQG ORDG
GLVWULEXWLRQ
3UHSDUDWLRQ
:KLOH PRZLQJ DOZD\V ZHDU VXEVWDQWLDO
IRRWZHDU DQG ORQJ WURXVHUV 'R QRW RSHUDWH WKH
HTXLSPHQW ZKHQ EDUHIRRW RU ZHDULQJ RSHQ
VDQGDOV
7KRURXJKO\ LQVSHFW WKH DUHD ZKHUH WKH
HTXLSPHQW LV WR EH XVHG DQG UHPRYH DOO REMHFWV
ZKLFK PD\ EH WKURZQ E\ WKH PDFKLQH
:$51,1*  )XHO LV KLJKO\ IODPPDEOH
6WRUH IXHO LQ FRQWDLQHUV VSHFLILFDOO\
GHVLJQHG IRU WKLV SXUSRVH
5HIXHO RXWGRRUV RQO\ DQG GR QRW VPRNH
ZKLOH UHIXHOOLQJ

6DIHW\

$GG IXHO EHIRUH VWDUWLQJ WKH HQJLQH 1HYHU
UHPRYH WKH FDS RI WKH IXHO WDQN RU DGG IXHO
ZKLOH WKH HQJLQH LV UXQQLQJ RU ZKHQ WKH
HQJLQH LV KRW
,I IXHO LV VSLOOHG GR QRW DWWHPSW WR VWDUW WKH
HQJLQH EXW PRYH WKH PDFKLQH DZD\ IURP
WKH DUHD RI VSLOODJH DQG DYRLG FUHDWLQJ DQ\
VRXUFH RI LJQLWLRQ XQWLO IXHO YDSRUV KDYH
GLVVLSDWHG
5HSODFH DOO IXHO WDQNV DQG FRQWDLQHU FDSV
VHFXUHO\
5HSODFH IDXOW\ VLOHQFHUV
%HIRUH XVLQJ DOZD\V YLVXDOO\ LQVSHFW WR VHH WKDW
WKH EODGHV EODGH EROWV DQG FXWWHU DVVHPEO\ DUH
QRW ZRUQ RU GDPDJHG 5HSODFH ZRUQ RU GDPDJHG
EODGHV DQG EROWV LQ VHWV WR SUHVHUYH EDODQFH
2Q PXOWLEODGHG PDFKLQHV WDNH FDUH DV URWDWLQJ
RQH EODGH FDQ FDXVH RWKHU EODGHV WR URWDWH
2SHUDWLRQ
'R QRW RSHUDWH WKH HQJLQH LQ D FRQILQHG VSDFH
ZKHUH GDQJHURXV FDUERQ PRQR[LGH IXPHV FDQ
FROOHFW
0RZ RQO\ LQ GD\OLJKW RU LQ JRRG DUWLILFLDO OLJKW
%HIRUH DWWHPSWLQJ WR VWDUW WKH HQJLQH GLVHQJDJH
DOO EODGH DWWDFKPHQW FOXWFKHV DQG VKLIW LQWR
QHXWUDO
'R QRW XVH RQ VORSHV RI PRUH WKDQ
ZKHQ PRZLQJ RQ VLGH KLOOV
ZKHQ PRZLQJ XSKLOO
ZKHQ PRZLQJ GRZQKLOO
5HPHPEHU WKHUH LV QR VXFK WKLQJ DV D ´VDIHµ
VORSH 7UDYHO RQ JUDVV VORSHV UHTXLUHV SDUWLFXODU
FDUH 7R JXDUG DJDLQVW RYHUWXUQLQJ
GR QRW VWRS RU VWDUW VXGGHQO\ ZKHQ JRLQJ XS
RU GRZQKLOO
HQJDJH FOXWFK VORZO\ DOZD\V NHHS PDFKLQH
LQ JHDU HVSHFLDOO\ ZKHQ WUDYHOOLQJ
GRZQKLOO
PDFKLQH VSHHGV VKRXOG EH NHSW ORZ RQ
VORSHV DQG GXULQJ WLJKW WXUQV
VWD\ DOHUW IRU KXPSV DQG KROORZV DQG RWKHU
KLGGHQ KD]DUGV
QHYHU PRZ DFURVV WKH IDFH RI WKH VORSH
XQOHVV WKH ODZQPRZHU LV GHVLJQHG IRU WKLV
SXUSRVH
8VH FDUH ZKHQ SXOOLQJ ORDGV RU XVLQJ KHDY\
HTXLSPHQW
8VH RQO\ DSSURYHG GUDZEDU KLWFK SRLQWV
/LPLW ORDGV WR WKRVH \RX FDQ VDIHO\ FRQWURO
'R QRW WXUQ VKDUSO\ 8VH FDUH ZKHQ
UHYHUVLQJ
8VH FRXQWHUZHLJKWV RU ZKHHO ZHLJKWV
ZKHQ VXJJHVWHG LQ WKH LQVWUXFWLRQ
KDQGERRN
:DWFK RXW IRU WUDIILF ZKHQ FURVVLQJ RU QHDU
URDGZD\V
6WRS WKH EODGHV URWDWLQJ EHIRUH FURVVLQJ VXUIDFHV
RWKHU WKDQ JUDVV
:KHQ XVLQJ DQ\ DWWDFKPHQWV QHYHU GLUHFW
GLVFKDUJH RI PDWHULDO WRZDUG E\VWDQGHUV QRU
DOORZ DQ\RQH QHDU WKH PDFKLQH ZKLOH LQ
RSHUDWLRQ
1HYHU RSHUDWH WKH PDFKLQH ZLWK GHIHFWLYH JXDUGV
RU ZLWKRXW VDIHW\ SURWHFWLYH GHYLFHV LQ SODFH
'R QRW FKDQJH WKH HQJLQH JRYHUQRU VHWWLQJV RU
RYHUVSHHG WKH HQJLQH 2SHUDWLQJ WKH HQJLQH DW
H[FHVVLYH VSHHG FDQ LQFUHDVH WKH KD]DUG RI
SHUVRQDO LQMXU\
%HIRUH OHDYLQJ WKH RSHUDWRU·V SRVLWLRQ
GLVHQJDJH WKH SRZHU WDNHRII DQG ORZHU WKH
DWWDFKPHQWV

6DIHW\

FKDQJH LQWR QHXWUDO DQG VHW WKH SDUNLQJ
EUDNH
VWRS WKH HQJLQH DQG UHPRYH WKH NH\
'LVHQJDJH GULYH WR DWWDFKPHQWV VWRS WKH HQJLQH
DQG GLVFRQQHFW WKH VSDUN SOXJ ZLUHV RU UHPRYH
WKH LJQLWLRQ NH\
EHIRUH FOHDULQJ EORFNDJHV RU XQFORJJLQJ
FKXWH
EHIRUH FKHFNLQJ FOHDQLQJ RU ZRUNLQJ RQ WKH
ODZQPRZHU
DIWHU VWULNLQJ D IRUHLJQ REMHFW ,QVSHFW WKH
ODZQPRZHU IRU GDPDJH DQG PDNH UHSDLUV
EHIRUH UHVWDUWLQJ DQG RSHUDWLQJ WKH
HTXLSPHQW
LI WKH PDFKLQH VWDUWV WR YLEUDWH DEQRUPDOO\
FKHFN LPPHGLDWHO\
'LVHQJDJH GULYH WR DWWDFKPHQWV ZKHQ
WUDQVSRUWLQJ RU QRW LQ XVH
6WRS WKH HQJLQH DQG GLVHQJDJH GULYH WR
DWWDFKPHQW
EHIRUH UHIXHOOLQJ
EHIRUH UHPRYLQJ WKH JUDVV FDWFKHU
EHIRUH PDNLQJ KHLJKW DGMXVWPHQW XQOHVV
DGMXVWPHQW FDQ EH PDGH IURP WKH RSHUDWRU·V
SRVLWLRQ
5HGXFH WKH WKURWWOH VHWWLQJ GXULQJ HQJLQH UXQRXW
DQG LI WKH HQJLQH LV SURYLGHG ZLWK D VKXWRII
YDOYH WXUQ WKH IXHO RII DW WKH FRQFOXVLRQ RI
PRZLQJ
0DLQWHQDQFH DQG 6WRUDJH
.HHS DOO QXWV EROWV DQG VFUHZV WLJKW WR EH VXUH
WKH HTXLSPHQW LV LQ VDIH ZRUNLQJ FRQGLWLRQ
1HYHU VWRUH WKH HTXLSPHQW ZLWK IXHO LQ WKH WDQN
LQVLGH D EXLOGLQJ ZKHUH IXPHV FDQ UHDFK DQ RSHQ
IODPH RU VSDUN
$OORZ WKH HQJLQH WR FRRO EHIRUH VWRULQJ LQ DQ\
HQFORVXUH
7R UHGXFH WKH ILUH KD]DUG NHHS WKH HQJLQH
VLOHQFHU EDWWHU\ FRPSDUWPHQW DQG IXHO VWRUDJH
DUHD IUHH RI JUDVV OHDYHV RU H[FHVVLYH JUHDVH
&KHFN WKH JUDVV FDWFKHU IUHTXHQWO\ IRU ZHDU RU
GHWHULRUDWLRQ
5HSODFH ZRUQ RU GDPDJHG SDUWV IRU VDIHW\
,I WKH IXHO WDQN KDV WR EH GUDLQHG WKLV VKRXOG EH
GRQH RXWGRRUV
2Q PXOWLEODGHG PDFKLQHV WDNH FDUH DV URWDWLQJ
RQH EODGH FDQ FDXVH RWKHU EODGHV WR URWDWH
:KHQ PDFKLQH LV WR EH SDUNHG VWRUHG RU OHIW
XQDWWHQGHG ORZHU WKH FXWWLQJ PHDQV XQOHVV D
SRVLWLYH PHFKDQLFDO ORFN LV XVHG
7RUR 5LGLQJ 0RZHU 6DIHW\
7KH IROORZLQJ OLVW FRQWDLQV VDIHW\ LQIRUPDWLRQ
VSHFLILF WR 7RUR SURGXFWV RU RWKHU VDIHW\ LQIRUPDWLRQ
WKDW \RX PXVW NQRZ WKDW LV QRW LQFOXGHG LQ WKH &(1
VWDQGDUG
8VH RQO\ 7RURDSSURYHG DWWDFKPHQWV :DUUDQW\
PD\ EH YRLGHG LI XVHG ZLWK XQDSSURYHG
DWWDFKPHQWV

6DIHW\

6RXQG 3UHVVXUH /HYHO
7KLV XQLW KDV DQ HTXLYDOHQW FRQWLQXRXV $ZHLJKWHG
VRXQG SUHVVXUH DW WKH RSHUDWRU HDU RI  G%$
EDVHG RQ PHDVXUHPHQWV RI LGHQWLFDO PDFKLQHV SHU
SURFHGXUHV RXWOLQHG LQ 'LUHFWLYH ((& DQG
DPHQGPHQWV
6RXQG 3RZHU /HYHO
7KLV XQLW KDV D VRXQG SRZHU OHYHO RI  /ZD EDVHG
RQ PHDVXUHPHQWV RI LGHQWLFDO PDFKLQHV SHU
SURFHGXUHV RXWOLQHG LQ 'LUHFWLYH ((& DQG
DPHQGPHQWV
9LEUDWLRQ /HYHO
7KLV XQLW KDV D PD[LPXP KDQGDUP YLEUDWLRQ OHYHO RI
 PV

DQG ZKROH ERG\ YLEUDWLRQ OHYHO RI
 PV

 EDVHG RQ PHDVXUHPHQWV RI LGHQWLFDO
PDFKLQHV SHU (1  DQG (1 

6DIHW\


6DIHW\

6ORSH &KDUW
5HDG DOO VDIHW\ LQVWUXFWLRQV RQ SDJHV 



6DIHW\

6\PEROV *ORVVDU\
5HDG RSHUDWRU·V PDQXDO
5RWDWLQJ EODGH FDQ FXW RII
WRHV RU ILQJHUV 6WD\ FOHDU
7KURZQ RU IO\LQJ REMHFWV
:KROH ERG\ H[SRVXUH
7KURZQ RU IO\LQJ REMHFWV
5RWDU\ VLGHPRXQWHG PRZHU
'LVPHPEHUPHQW0RZHU
LQ UHDUZDUG PRWLRQ
'R QRW RSHQ RU
UHPRYH VDIHW\ VKLHOGV
ZKLOH HQJLQH LV UXQQLQJ
6WD\ D VDIH GLVWDQFH
IURP WKH PDFKLQH
0DFKLQH UROORYHU
0DFKLQH UROORYHU
0DFKLQH UROORYHU
VLGH KLOO
XS KLOO
GRZQ KLOO
6WD\ D VDIH GLVWDQFH
IURP WKH PRZHU
0DFKLQH UROORYHU
5236
6DIHW\ DOHUW V\PERO
RI EODGH DV ORQJ DV HQJLQH
LV UXQQLQJ
.HHS GHIOHFWRU VKLHOG LQ SODFH
&RQVXOW 7HFKQLFDO 0DQXDO IRU
SURSHU VHUYLFH SURFHGXUHV
6DIHW\ DOHUW V\PERO
.HHS FKLOGUHQ D VDIH GLVWDQFH
IURP PDFKLQH
6HYHULQJ WRHV RU IRRW
PRZHU EODGH
6HYHULQJ ILQJHUV RU KDQG
PRZHU EODGH
2SHUDWLQJ LQ UHYHUVH QRW
DOORZHG XQOHVV GHDFWLYDWHG
E\ .H\ &KRLFH VZLWFK

6DIHW\

6\PEROV *ORVVDU\
&XWWLQJ HOHPHQW
EDVLF V\PERO
&XWWLQJ HOHPHQW
KHLJKW DGMXVWPHQW
&XWWLQJ XQLWUDLVHG
&XWWLQJ XQLWORZHU
&UXVKLQJ RI ILQJHUV
RU KDQGV)RUFH DSSOLHG
IURP VLGH
.LFNEDFN RU XSZDUG
PRWLRQ6WRUHG HQHUJ\
6KXW RII HQJLQH  UHPRYH NH\
EHIRUH SHUIRUPLQJ PDLQWHQDQFH
RU UHSDLU ZRUN
5LGLQJ RQ WKLV PDFKLQH LV DOORZHG
RQO\ RQ D SDVVHQJHU VHDW  RQO\
LIWKHGULYHU·VYLHZLVQRWKLQGHUHG
6HYHULQJ RI KDQG
5RWDWLQJ NQLYHV
6HYHULQJ RI IRRW
5RWDWLQJ NQLYHV
&XWWLQJ RU HQWDQJOHPHQW
RI IRRW5RWDWLQJ DXJHU
6HYHULQJ RI ILQJHUV RU KDQG
LPSHOOHU EODGH
6WD\ D VDIH GLVWDQFH
IURP WKH VQRZWKURZHU
.HHS D VDIH GLVWDQFH IURP
VQRZWKURZHU
7UDFWRUV PXVW EH HTXLSSHG
ZLWK NJ UHDU ZKHHO ZHLJKW
ZLWK WKLV DWWDFKPHQW LQVWDOOHG
0DFKLQH UROORYHU
5236 VQRZWKURZHU 1HXWUDO
)LUVW JHDU
6HFRQG JHDU
7KLUG JHDU XS WR
5HYHUVH
PD[LPXP  RI
IRUZDUG JHDUV
+LJK
/RZ
0DFKLQH WUDYHO GLUHFWLRQ
FRPELQHG

6DIHW\

6\PEROV *ORVVDU\
)DVW
6ORZ
'HFUHDVLQJ,QFUHDVLQJ
(QJLQH VWDUW
(QJLQH VWRS
&KRNH
&OXWFK
(QJDJH
'LVHQJDJH
%UDNH V\VWHP
3DUNLQJ EUDNH
2Q5XQ
%DWWHU\ FKDUJLQJ FRQGLWLQ
2II6WRS
(QJLQH
+HDG OLJKWV
0DLQKLJK EHDP
)XHO
(QJLQH OXEULFDWLQJ
RLO SUHVVXUH
372 3RZHU 7DNH 2II
8QORFN
/RFN
(QJLQH OXEULFDWLQJ RLO OHYHO
(QJLQH WHPSHUDWXUH
)XHO OHYHO
9ROXPH HPSW\
9ROXPH IXOO
.H\ &KRLFH 6ZLWFK


*DVROLQH DQG 2LO
5HFRPPHQGHG *DVROLQH
8VH 81/($'(' 5HJXODU *DVROLQH VXLWDEOH IRU
DXWRPRWLYH XVH  SXPS RFWDQH PLQLPXP /HDGHG
UHJXODU JDVROLQH PD\ EH XVHG LI XQOHDGHG UHJXODU LV
QRW DYDLODEOH
,03257$17 1HYHU XVH PHWKDQRO JDVROLQH
FRQWDLQLQJ PHWKDQRO RU JDVRKRO FRQWDLQLQJ
PRUH WKDQ  HWKDQRO EHFDXVH WKH IXHO
V\VWHP FRXOG EH GDPDJHG 'R QRW PL[ RLO ZLWK
JDVROLQH
327(17,$/ +$=$5'
,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\
IODPPDEOH DQG KLJKO\ H[SORVLYH
:+$7 &$1 +$33(1
$ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ
\RX RWKHUV DQG FDXVH SURSHUW\ GDPDJH
+2: 72 $92,' 7+( +$=$5'
8VH D IXQQHO DQG ILOO WKH IXHO WDQN RXWGRRUV
LQ DQ RSHQ DUHD ZKHQ WKH HQJLQH LV FROG
:LSH XS DQ\ JDVROLQH WKDW VSLOOV
'R QRW ILOO WKH IXHO WDQN FRPSOHWHO\ IXOO
$GG JDVROLQH WR WKH IXHO WDQN XQWLO WKH OHYHO
LV µ WR µ  PP WR  PP EHORZ WKH
ERWWRP RI WKH ILOOHU QHFN 7KLV HPSW\ VSDFH
LQ WKH WDQN DOORZV JDVROLQH WR H[SDQG
1HYHU VPRNH ZKHQ KDQGOLQJ JDVROLQH DQG
VWD\ DZD\ IURP DQ RSHQ IODPH RU ZKHUH
JDVROLQH IXPHV PD\ EH LJQLWHG E\ D VSDUN
6WRUH JDVROLQH LQ DQ DSSURYHG FRQWDLQHU
DQG NHHS LW RXW RI WKH UHDFK RI FKLOGUHQ
1HYHU EX\ PRUH WKDQ D GD\ VXSSO\ RI
JDVROLQH
327(17,$/ +$=$5'
,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\
IODPPDEOH DQG KLJKO\ H[SORVLYH
:+$7 &$1 +$33(1
$ ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ
\RX RWKHUV DQG FDXVH SURSHUW\ GDPDJH
+2: 72 $92,' 7+( +$=$5'
$OZD\V SODFH JDVROLQH FRQWDLQHUV RQ WKH
JURXQG DZD\ IURP \RXU YHKLFOH EHIRUH
ILOOLQJ
'R QRW ILOO JDVROLQH FRQWDLQHUV LQVLGH D
YHKLFOH RU RQ D WUXFN RU WUDLOHU EHG EHFDXVH
LQWHULRU FDUSHWV RU SODVWLF WUXFN EHG OLQHUV
PD\ LQVXODWH WKH FRQWDLQHU DQG VORZ WKH
ORVV RI DQ\ VWDWLF FKDUJH
:KHQ SUDFWLFDO UHPRYH JDVSRZHUHG
HTXLSPHQW IURP WKH WUXFN RU WUDLOHU DQG
UHIXHO WKH HTXLSPHQW ZLWK LWV ZKHHOV RQ WKH
URXQG
,I WKLV LV QRW SRVVLEOH WKHQ UHIXHO VXFK
HTXLSPHQW RQ D WUXFN RU WUDLOHU IURP D
SRUWDEOH FRQWDLQHU UDWKHU WKDQ IURP D
JDVROLQH GLVSHQVHU QR]]OH
,I D JDVROLQH GLVSHQVHU QR]]OH PXVW EH XVHG
NHHS WKH QR]]OH LQ FRQWDFW ZLWK WKH ULP RI
WKH IXHO WDQN RU FRQWDLQHU RSHQLQJ DW DOO
WLPHV XQWLO IXHOLQJ LV FRPSOHWH

*DVROLQH DQG 2LO

8VLQJ 6WDELOL]HU&RQGLWLRQHU
8VH D IXHO VWDELOL]HUFRQGLWLRQHU LQ WKH PDFKLQH WR
SURYLGH WKH IROORZLQJ EHQHILWV
.HHSV JDVROLQH IUHVK GXULQJ VWRUDJH RI  GD\V
RU OHVV )RU ORQJHU VWRUDJH GUDLQ WKH IXHO WDQN
&OHDQV WKH HQJLQH ZKLOH LW UXQV
(OLPLQDWHV JXPOLNH YDUQLVK EXLOGXS LQ WKH IXHO
V\VWHP ZKLFK FDXVHV KDUG VWDUWLQJ
,03257$17 'R QRW XVH IXHO DGGLWLYHV
FRQWDLQLQJ PHWKDQRO RU HWKDQRO
$GG WKH FRUUHFW DPRXQW RI JDV VWDELOL]HUFRQGLWLRQHU
WR WKH JDV
1RWH $ IXHO VWDELOL]HUFRQGLWLRQHU LV PRVW
HIIHFWLYH ZKHQ PL[HG ZLWK IUHVK
JDVROLQH 7R PLQLPL]H WKH FKDQFH RI
YDUQLVK GHSRVLWV LQ WKH IXHO V\VWHP XVH
IXHO VWDELOL]HU DW DOO WLPHV
)LOOLQJ WKH )XHO 7DQN
 6KXW WKH HQJLQH RII DQG VHW WKH SDUNLQJ EUDNH
 &OHDQ DURXQG IXHO WDQN FDS DQG UHPRYH WKH FDS
$GG XQOHDGHG UHJXODU JDVROLQH WR IXHO WDQN XQWLO
WKH OHYHO LV  WR  LQFK  PP WR  PP
EHORZ WKH ERWWRP RI WKH ILOOHU QHFN 7KLV VSDFH LQ
WKH WDQN DOORZV JDVROLQH WR H[SDQG 'R QRW ILOO
WKH IXHO WDQN FRPSOHWHO\ IXOO
 ,QVWDOO IXHO WDQN FDS VHFXUHO\ :LSH XS DQ\
JDVROLQH WKDW PD\ KDYH VSLOOHG
&KHFN (QJLQH 2LO /HYHO
%HIRUH \RX VWDUW WKH HQJLQH DQG XVH WKH PDFKLQH
FKHFN WKH RLO OHYHO LQ WKH HQJLQH FUDQNFDVH UHIHU WR
&KHFNLQJ 2LO /HYHO SDJH 


2SHUDWLRQ
7KLQN 6DIHW\ )LUVW
3OHDVH FDUHIXOO\ UHDG DOO WKH VDIHW\ LQVWUXFWLRQV DQG
V\PEROV LQ WKH VDIHW\ VHFWLRQ .QRZLQJ WKLV
LQIRUPDWLRQ FRXOG KHOS \RX \RXU IDPLO\ SHWV RU
E\VWDQGHUV DYRLG LQMXU\
&RQWUROV
%HFRPH IDPLOLDU ZLWK DOO WKH FRQWUROV )LJ  EHIRUH
\RX VWDUW WKH HQJLQH DQG RSHUDWH WKH PDFKLQH












)LJXUH 
 6WHHULQJ ZKHHO
 /LJKW VZLWFK³RQRII
VHOHFWHG PRGHOV
 ,JQLWLRQ VZLWFK
 &OXWFKEUDNH SHGDO
 %ODGH FRQWURO 372
 *URXQG VSHHG VHOHFWRU
 +HLJKWRIFXW OHYHU
GHFN OLIW
 3DUNLQJ EUDNH OHYHU
 7KURWWOH OHYHU
 +RRG RSHQLQJ
 2SHUDWLQJLQ5HYHUVH OLJKW
 .H\ &KRLFH É VZLWFK
3DUNLQJ %UDNH
$OZD\V VHW WKH SDUNLQJ EUDNH ZKHQ \RX VWRS WKH
PDFKLQH RU OHDYH LW XQDWWHQGHG
6HWWLQJ WKH 3DUNLQJ %UDNH
 3XVK WKH FOXWFKEUDNH SHGDO )LJ  GRZQ DQG
KROG LW LQ WKH GHSUHVVHG SRVLWLRQ
 /LIW WKH SDUNLQJ EUDNH OHYHU )LJ  XS DQG
JUDGXDOO\ WDNH \RXU IRRW RII WKH FOXWFKEUDNH
SHGDO 7KH FOXWFKEUDNH SHGDO VKRXOG VWD\ LQ WKH
GHSUHVVHG ORFNHG SRVLWLRQ
5HOHDVLQJ WKH 3DUNLQJ %UDNH
 3XVK GRZQ RQ WKH FOXWFKEUDNH SHGDO )LJ 
7KH SDUNLQJ EUDNH OHYHU VKRXOG UHOHDVH
 *UDGXDOO\ UHOHDVH WKH FOXWFKEUDNH SHGDO
P


)LJXUH 
 &OXWFKEUDNH SHGDO  3DUNLQJ EUDNH OHYHU

2SHUDWLRQ

3RVLWLRQLQJ WKH 6HDW
7KH VHDW FDQ PRYH IRUZDUG DQG EDFNZDUG 3RVLWLRQ
WKH VHDW ZKHUH \RX KDYH WKH EHVW FRQWURO RI WKH
PDFKLQH DQG DUH PRVW FRPIRUWDEOH
 5DLVH WKH VHDW DQG ORRVHQ WKH DGMXVWPHQW NQRE
)LJ 
 0RYH WKH VHDW WR WKH GHVLUHG SRVLWLRQ DQG WLJKWHQ
WKH NQRE
P

)LJXUH 
 $GMXVWPHQW NQRE
+HDGOLJKWV
+HDGOLJKWV DUH RSWLRQDO RQ VRPH PRGHOV $
GDVKPRXQWHG ´212))µ VZLWFK )LJ  FRQWUROV WKH
KHDGOLJKWV 7KH OLJKWV RQO\ VKLQH ZKLOH WKH HQJLQH LV
UXQQLQJ DQG WKH VZLWFK LV ´21µ
8VLQJ WKH %ODGH &RQWURO 372
7KH EODGH FRQWURO 372 HQJDJHV DQG GLVHQJDJHV
SRZHU WR WKH EODGHV
(QJDJLQJ WKH %ODGHV
 'HSUHVV WKH FOXWFKEUDNH SHGDO WR VWRS WKH
PDFKLQH
 0RYH WKH EODGH FRQWURO 372 WR ´(1*$*('µ
)LJ 
P



)LJXUH 
 'LVHQJDJHG
 (QJDJHG
 %ODGH FRQWURO 372
'LVHQJDJLQJ WKH %ODGHV
 'HSUHVV WKH FOXWFKEUDNH SHGDO WR VWRS WKH
PDFKLQH
 0RYH WKH EODGH FRQWURO 372 WR
´',6(1*$*('µ )LJ 

2SHUDWLRQ

6HWWLQJ WKH +HLJKWRI&XW
7KH KHLJKWRIFXW OHYHU GHFN OLIW LV XVHG WR UDLVH DQG
ORZHU WKH PRZHU WR WKH GHVLUHG FXWWLQJ KHLJKW
 7KH FXWWLQJ KHLJKW PD\ EH VHW LQ RQH RI VHYHQ
SRVLWLRQV IURP DSSUR[LPDWHO\  WR  LQFKHV
 WR  PP
 3XOO RQ WKH KHLJKWRIFXW OHYHU GHFN OLIW DQG
PRYH LW WR WKH GHVLUHG SRVLWLRQ )LJ 
P

µ  PP
µ  PP
µ  PP
µ  PP
µ  PP
µ  PP
µ  PP
)LJXUH 
 +HLJKWRIFXW OHYHU GHFN
OLIW
6WDUWLQJ DQG 6WRSSLQJ WKH
(QJLQH
6WDUWLQJ
 6LW GRZQ RQ WKH VHDW
 6HW WKH SDUNLQJ EUDNH UHIHU WR 6HWWLQJ WKH
3DUNLQJ %UDNH SDJH 
1RWH 7KH HQJLQH ZLOO QRW VWDUW XQOHVV \RX VHW
WKH SDUNLQJ EUDNH RU IXOO\ GHSUHVV WKH
FOXWFKEUDNH SHGDO
 0RYH WKH JURXQG VSHHG VHOHFWRU LQWR QHXWUDO ´1µ
)LJ 
 0RYH WKH EODGH FRQWURO 372 WR
´',6(1*$*('µ )LJ 
 0RYH WKH WKURWWOH OHYHU WR ´&+2.(µ )LJ 
1RWH $Q HQJLQH WKDW KDV EHHQ UXQQLQJ DQG LV
ZDUP PD\ QRW UHTXLUH VWHS 
 7XUQ WKH LJQLWLRQ NH\ FORFNZLVH DQG KROG LW LQ
WKH ´67$57µ SRVLWLRQ )LJ  :KHQ WKH HQJLQH
VWDUWV UHOHDVH WKH NH\
,03257$17 ,I WKH HQJLQH GRHV QRW VWDUW
DIWHU  VHFRQGV RI FRQWLQXRXV FUDQNLQJ WXUQ
WKH LJQLWLRQ NH\ WR ´2))µ DQG OHW WKH VWDUWHU
PRWRU FRRO UHIHU WR 7URXEOHVKRRWLQJ SDJH 

2SHUDWLRQ

 $IWHU WKH HQJLQH VWDUWV VORZO\ PRYH WKH WKURWWOH
OHYHU WR ´)$67µ )LJ  ,I WKH HQJLQH VWDOOV RU
KHVLWDWHV PRYH WKH WKURWWOH OHYHU EDFN WR
´&+2.(µ IRU D IHZ VHFRQGV 7KHQ PRYH WKH
WKURWWOH OHYHU WR ´)$67µ 5HSHDW WKLV DV UHTXLUHG
P
)LJXUH 
 *URXQG VSHHG
VHOHFWRU
)LJXUH 
 'LVHQJDJHG
 (QJDJHG
 %ODGH FRQWURO 372
)LJXUH 
 &KRNH
 )DVW
 6ORZ
)LJXUH 
 6WDUW
 2Q
 2II


P
P







6WRSSLQJ
 0RYH WKH WKURWWOH OHYHU WR ´6/2:µ )LJ 
 7XUQ WKH LJQLWLRQ NH\ WR ´2))µ )LJ 
1RWH ,I WKH HQJLQH KDV EHHQ ZRUNLQJ KDUG RU
LV KRW OHW LW LGOH IRU D PLQXWH EHIRUH
WXUQLQJ WKH LJQLWLRQ NH\ ´2))µ 7KLV
KHOSV FRRO WKH HQJLQH EHIRUH LW LV
VWRSSHG ,Q DQ HPHUJHQF\ WKH HQJLQH
PD\ EH VWRSSHG E\ WXUQLQJ WKH LJQLWLRQ
NH\WR´2))µ

2SHUDWLRQ

7KH 6DIHW\ 6\VWHP
8QGHUVWDQGLQJ WKH 6DIHW\ 6\VWHP
7KH VDIHW\ V\VWHP LV GHVLJQHG WR SUHYHQW WKH HQJLQH
IURP VWDUWLQJ XQOHVV
7KH FOXWFKEUDNH SHGDO LV GHSUHVVHG
7KH EODGH FRQWURO 372 LV ´',6(1*$*('µ
7KH VDIHW\ V\VWHP LV GHVLJQHG WR VWRS WKH HQJLQH LI
\RX ULVH IURP WKH VHDW ZKHQ WKH FOXWFKEUDNH SHGDO LV
UHOHDVHG RU WKH EODGH LV ´(1*$*('µ
2SHUDWLQJLQ5HYHUVH
$Q LQWHUORFN IHDWXUH LV SURYLGHG WKDW SUHYHQWV WKH
3RZHU 7DNH 2II 372 IURP RSHUDWLQJ ZKLOH WKH
WUDFWRU LV WUDYHOLQJ LQ UHYHUVH ,I WKH XQLW LV VKLIWHG LQWR
UHYHUVH ZKLOH WKH PRZHU EODGH RU RWKHU 372 GULYHQ
DWWDFKPHQW LV HQJDJHG WKH HQJLQH ZLOO VWRS
'R QRW PRZ ZKLOH EDFNLQJ XS XQOHVV LW LV
DEVROXWHO\ QHFHVVDU\ ,I \RX QHHG WR PRZ ZKLOH LQ
UHYHUVH JHDU RU XVH RWKHU 372 GULYHQ DWWDFKPHQWV
VXFK DV D VQRZWKURZHU RU WLOOHU WKLV QR
RSHUDWLQJLQUHYHUVH LQWHUORFN PD\ EH WHPSRUDULO\
GHDFWLYDWHG
%HIRUH GHDFWLYDWLQJ WKLV LQWHUORFN EH VXUH WKHUH DUH QR
FKLOGUHQ SUHVHQW RQ RU QHDU WKH SURSHUW\ ZKHUH \RX DUH
XVLQJ WKH WUDFWRU DQG WKDW QRQH DUH OLNHO\ WR DSSHDU
ZKLOH \RX DUH PRZLQJ RU RSHUDWLQJ DQ DWWDFKPHQW %H
H[WUD REVHUYDQW DIWHU \RX KDYH FKRVHQ WR GHDFWLYDWH
WKH LQWHUORFN EHFDXVH WKH VRXQG RI WKH WUDFWRU·V HQJLQH
PLJKW SUHYHQW \RX IURP EHLQJ DZDUH WKDW D FKLOG RU D
E\VWDQGHU KDV HQWHUHG WKH DUHD ZKHUH \RX DUH
RSHUDWLQJ WKH WUDFWRU
,I \RX DUH FHUWDLQ WKDW \RX FDQ VDIHO\ PRZ LQ UHYHUVH
RU RSHUDWH DQ DWWDFKPHQW GHDFWLYDWH WKH QR
RSHUDWLQJLQUHYHUVH LQWHUORFN E\ WXUQLQJ WKH .H\
&KRLFHÉVZLWFK )LJ  ORFDWHG RQ WKH IURQW RI WKH
VHDW EUDFNHW MXVW EHORZ WKH VHDW DIWHU HQJDJLQJ WKH
EODGH 372 $ UHG OLJKW RQ WKH IURQW FRQVROH
)LJ  ZLOO WXUQ RQ DV D UHPLQGHU WKDW WKH QR
RSHUDWLQJLQUHYHUVH LQWHUORFN KDV EHHQ GHDFWLYDWHG
2QFH WKH LQWHUORFN LV GHDFWLYDWHG LW VWD\V LQ WKLV
PRGH³ZLWK \RXU PRZHU EODGH RU 372GULYHQ
DWWDFKPHQW RSHUDWLQJ ZKHQHYHU \RX EDFN XS³DQG WKH
FRQVROH OLJKW VWD\V RQ XQWLO HLWKHU WKH EODGH 372 LV
GLVHQJDJHG RU WKH HQJLQH LV WXUQHG RII
1RWH 'R QRW LQVHUW WKH ´.H\ &KRLFHµ NH\
XQOHVV LW LV DEVROXWHO\ QHFHVVDU\ WR
PRZ LQ UHYHUVH RU RSHUDWH DQ
DWWDFKPHQW 7KH ´.H\ &KRLFHµ NH\
VKRXOG DOVR EH UHPRYHG IURP WKH XQLW
LI LW ZLOO EH RSHUDWHG E\ VRPHRQH RWKHU
WKDQ D UHVSRQVLEOH H[SHULHQFHG
RSHUDWRU 7KLV ZLOO SUHYHQW WKH XQLW
IURP RSHUDWLQJ LQ UHYHUVH ZLWK WKH
PRZHU EODGH RU RWKHU 372 DWWDFKPHQW
HQJDJHG $OZD\V UHPRYH ERWK WKH
LJQLWLRQ DQG WKH ´.H\ &KRLFHµ NH\V
DQG SXW WKHP LQ D VDIH SODFH RXW RI WKH
UHDFK RI FKLOGUHQ ZKHQ OHDYLQJ WKH XQLW
XQDWWHQGHG