Toro 72116 User manual

2SHUDWRU·V 0DQXDO
(QJOLVK *%
)RUP 1R
+(
:KHHO +RUVHX/DZQ DQG *DUGHQ 7UDFWRU
0RGHO 1R ³ 8S

$OO 5LJKWV 5HVHUYHG
3ULQWHG LQ WKH 86$
È
E\ 7KH 7RUR &RPSDQ\
/\QGDOH $YHQXH 6RXWK
%ORRPLQJWRQ 01
7KH HQJLQH H[KDXVW IURP WKLV SURGXFW FRQWDLQV
FKHPLFDOV NQRZQ WR WKH 6WDWH RI &DOLIRUQLD WR
FDXVH FDQFHU ELUWK GHIHFWV RU RWKHU UHSURGXFWLYH
KDUP
:DUQLQJ
,PSRUWDQW 7KH HQJLQH LQ WKLV SURGXFW LV QRW HTXLSSHG
ZLWK D VSDUN DUUHVWHU PXIIOHU ,W LV D YLRODWLRQ RI &DOLIRUQLD
3XEOLF 5HVRXUFH &RGH 6HFWLRQ WR XVH RU RSHUDWH WKLV
HQJLQH RQ DQ\ IRUHVWFRYHUHG EUXVKFRYHUHG RU
JUDVVFRYHUHG ODQG DV GHILQHG LQ &35& 2WKHU VWDWHV
RU IHGHUDO DUHDV PD\ KDYH VLPLODU ODZV
7KH HQFORVHG (QJLQH 2ZQHU·V 0DQXDO LV VXSSOLHG IRU
LQIRUPDWLRQ UHJDUGLQJ 7KH 86 (QYLURQPHQWDO
3URWHFWLRQ $JHQF\ (3$ DQG WKH &DOLIRUQLD (PLVVLRQ
&RQWURO 5HJXODWLRQ RI HPLVVLRQ V\VWHPV PDLQWHQDQFH
DQG ZDUUDQW\
.HHS WKLV HQJLQH 2ZQHU·V 0DQXDO ZLWK \RXU XQLW
6KRXOG WKLV HQJLQH 2ZQHU·V 0DQXDO EHFRPH GDPDJHG
RU LOOHJLEOH UHSODFH LPPHGLDWHO\ 5HSODFHPHQWV PD\ EH
RUGHUHG WKURXJK WKH HQJLQH PDQXIDFWXUHU
7KLV VSDUN LJQLWLRQ V\VWHP FRPSOLHV ZLWK &DQDGLDQ
,&(6
&H V\VWqPH G·DOOXPDJH SDU pWLQFHOOH GH YpKLFXOH HVW
FRQIRUPH j OD QRUPH 10% GX &DQDGD
&RQWHQWV
3DJH
6DIHW\
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
6WDELOL]HU&RQGLWLRQHU
)LOOLQJ WKH )XHO 7DQN
&KHFN (QJLQH 2LO /HYHO
2SHUDWLRQ
7KLQN 6DIHW\ )LUVW
3DJH
&RQWUROV
3DUNLQJ %UDNH
6WDUWLQJ DQG 6WRSSLQJ WKH (QJLQH
2SHUDWLQJ WKH 3RZHU 7DNH 2II 372
7KH 6DIHW\ ,QWHUORFN 6\VWHP
,QGLFDWRU &RQWURO 0RGXOH
'ULYLQJ )RUZDUG RU %DFNZDUG
6WRSSLQJ WKH 0DFKLQH
$WWDFKPHQW 3RZHU /LIW
$GMXVWLQJ 'LDO$+HLJKW
3RVLWLRQLQJ WKH 6HDW
+HDGOLJKWV
3RVLWLRQLQJ WKH 7LOW 6WHHULQJ :KHHO
8VLQJ WKH &UXLVH &RQWURO
3XVKLQJ WKH 0DFKLQH E\ +DQG
0DLQWHQDQFH
5HFRPPHQGHG 0DLQWHQDQFH 6FKHGXOH
$LU &OHDQHU
(QJLQH 2LO
6SDUN 3OXJ
*UHDVLQJ DQG /XEULFDWLRQ
7LUH 3UHVVXUH
%UDNH
)XHO 7DQN
)XHO )LOWHU
)URQW :KHHO 7RH,Q
7UDQVD[OH )OXLG
)XVH
+HDGOLJKWV
%DWWHU\
:LULQJ 'LDJUDP
&OHDQLQJ DQG 6WRUDJH
7URXEOHVKRRWLQJ
,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 DW WKH ORFDWLRQ VKRZQ LQ )LJXUH

P
)LJXUH
0RGHO DQG VHULDO QXPEHU SODWH
)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 VWDWHRIWKHDUW 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 'DQJHU
:DUQL QJDQG&DXWLRQ DUH VLJQDO ZRUGV XVHG WR LGHQWLI\
WKH OHYHO RI KD]DUG +RZHYHU UHJDUGOHVV RI WKH KD]DUG EH
H[WUHPHO\ FDUHIXO
'DQJHU VLJQDOV DQ H[WUHPH KD]DUG WKDW ZLOO FDXVH VHULRXV
LQMXU\ RU GHDWK LI WKH UHFRPPHQGHG SUHFDXWLRQV DUH QRW
IROORZHG
:DUQL QJ VLJQDOV D KD]DUG WKDW PD\ FDXVH VHULRXV LQMXU\ RU
GHDWK LI WKH UHFRPPHQGHG SUHFDXWLRQV DUH QRW IROORZHG
&DXWLRQ 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
,PSRUWDQW FDOOV DWWHQWLRQ WR VSHFLDO PHFKDQLFDO
LQIRUPDWLRQ DQG 1RWH HPSKDVL]HV JHQHUDO LQIRUPDWLRQ
ZRUWK\ RI VSHFLDO DWWHQWLRQ
'HWHUPLQH WKH OHIW DQG ULJKW VLGH RI WKH PDFKLQH IURP WKH
QRUPDO RSHUDWLQJ SRVLWLRQ
6DIHW\
6DIH 2SHUDWLRQ 3UDFWLFHV IRU
5LGHRQ 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\
LQVWUXFWLRQµ )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 ULGHRQ PDFKLQHV
FRQWURO RI D ULGHRQ 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
$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 PXOWLEODGHG 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
EZKHQ PRZLQJ RQ VLGH KLOOV
EZKHQ PRZLQJ XSKLOO
EZKHQ 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 FRXQWHUZHLJKWV 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 WDNHRII DQG ORZHU WKH
DWWDFKPHQWV
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 ZLUHV 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 UXQRXW DQG
LI WKH HQJLQH LV SURYLGHG ZLWK D VKXWRII 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 PXOWLEODGHG 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\ 7RURDSSURYHG DWWDFKPHQWV :DUUDQW\ PD\
EH YRLGHG LI XVHG ZLWK XQDSSURYHG DWWDFKPHQWV
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 KDQGDUP YLEUDWLRQ OHYHO RI
PV
DQG ZKROH ERG\ YLEUDWLRQ OHYHO RI PV
EDVHG RQ
PHDVXUHPHQWV RI LGHQWLFDO PDFKLQHV SHU (1 DQG (1


6ORSH &KDUW


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\ VLGHPRXQWHG PRZHU
'LVPHPEHUPHQW0RZHU
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
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

6\PEROV *ORVVDU\
&XWWLQJ HOHPHQW
EDVLF V\PERO
&XWWLQJ HOHPHQW
KHLJKW DGMXVWPHQW
&XWWLQJ XQLWUDLVHG
&XWWLQJ XQLWORZHU
&UXVKLQJ RI ILQJHUV
RU KDQGV)RUFH DSSOLHG
IURP VLGH
.LFNEDFN RU XSZDUG
PRWLRQ6WRUHG HQHUJ\
6KXW RII HQJLQH UHPRYH NH\
EHIRUH SHUIRUPLQJ PDLQWHQDQFH
RU UHSDLU ZRUN
5LGLQJ RQ WKLV PDFKLQH LV DOORZHG
RQO\ RQ D SDVVHQJHU VHDW RQO\
LI WKH GULYHU·V YLHZ LV QRW KLQGHUHG
6HYHULQJ RI KDQG
5RWDWLQJ NQLYHV
6HYHULQJ RI IRRW
5RWDWLQJ NQLYHV
&XWWLQJ RU HQWDQJOHPHQW
RI IRRW5RWDWLQJ 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

6\PEROV *ORVVDU\
)DVW
6ORZ
'HFUHDVLQJ,QFUHDVLQJ
(QJLQH VWDUW
(QJLQH VWRS
&KRNH
&OXWFK
(QJDJH
'LVHQJDJH
%UDNH V\VWHP
3DUNLQJ EUDNH
2Q5XQ
%DWWHU\ FKDUJLQJ FRQGLWLRQ
2II6WRS
(QJLQH
+HDG OLJKWV
0DLQKLJK 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
,PSRUWDQW 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
'DQJHU
,Q FHUWDLQ FRQGLWLRQV JDVROLQH LV H[WUHPHO\
IODPPDEOH DQG KLJKO\ H[SORVLYH $ ILUH RU
H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG RWKHUV
DQG FDQ GDPDJH SURSHUW\
)LOO 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 PP
WR PP WR EHORZWKHERWWRPRIWKH
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
$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 JDVSRZHUHG
HTXLSPHQW IURP WKH WUXFN RU WUDLOHU DQG UHIXHO
WKH HTXLSPHQW ZLWK LWV ZKHHOV RQ WKH JURXQG
,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
6WDELOL]HU&RQGLWLRQHU
8VLQJ D VWDELOL]HUFRQGLWLRQHU LQ WKH PDFKLQH
.HHSV JDVROLQH IUHVK GXULQJ VWRUDJH RI GD\V RU OHVV
)RU ORQJHU VWRUDJH LW LV UHFRPPHQGHG WKDW WKH IXHO WDQN
EH GUDLQHG
&OHDQV WKH HQJLQH ZKLOH LW UXQV
(OLPLQDWHV JXPOLNH YDUQLVK EXLOGXS LQ WKH IXHO
V\VWHP ZKLFK FDXVHV KDUG VWDUWLQJ
,
P
SRUWDQW 1HYHU XVH IXHO DGGLWLYHV FRQWDLQLQJ
PHWKDQRO RU HWKDQRO
$GG WKH FRUUHFW DPRXQW RI JDV VWDELOL]HUFRQGLWLRQHU WR WKH
JDV
1RWH $ IXHO VWDELOL]HUFRQGLWLRQHU 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
PPWRPPWRLQFKEHORZWKHERWWRPRI
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 RQ
SDJHV .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
,JQLWLRQ VZLWFK
%UDNH SHGDO
3DUNLQJ EUDNH OHYHU
*URXQG VSHHG VHOHFWRU
7KURWWOH OHYHU
&KRNH OHYHU
3RZHU WDNH RII 372
&UXLVH FRQWURO VZLWFK
,QGLFDWRU FRQWURO
PRGXOH+RXUPHWHU
$WWDFKPHQW OLIW VZLWFK
7LOW ZKHHO OHYHU
+RRG RSHQLQJ
'LDODKHLJKW NQRE
3DUNLQJ %UDNH
$OZD\V VHW WKH SDUNLQJ EUDNH ZKHQ \RX VWRS WKH PDFKLQH
RU OHDYH LW XQDWWHQGHG
6HWWLQJ WKH 3DUNLQJ %UDNH
3XVK WKH 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 EUDNH SHGDO 7KH EUDNH SHGDO
VKRXOG VWD\ LQ WKH GHSUHVVHG ORFNHG SRVLWLRQ
5HOHDVLQJ WKH 3DUNLQJ %UDNH
3XVK GRZQ RQ WKH EUDNH SHGDO )LJ 7KH SDUNLQJ
EUDNH OHYHU VKRXOG UHOHDVH
*UDGXDOO\ UHOHDVH WKH EUDNH SHGDO
)LJXUH
%UDNH SHGDO 3DUNLQJ EUDNH OHYHU
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 EUDNH SHGDO
3XVK WKH 372 SRZHU WDNH RII WR ´2))µ )LJ
0RYH WKH FKRNH OHYHU WR ´21µ )LJ
1RWH $Q HQJLQH WKDW KDV EHHQ UXQQLQJ DQG LV ZDUP PD\
QRW UHTXLUH VWHS
0RYH WKURWWOH OHYHU WR ´)$67µ )LJ

7XUQ WKH LJQLWLRQ NH\ DQG KROG LW LQ WKH ´67$57µ
SRVLWLRQ )LJ :KHQ WKH HQJLQH VWDUWV UHOHDVH WKH
NH\
,PSRUWDQW ,I WKH HQJLQH GRHV QRW VWDUW DIWHU VHFRQGV
RI FRQWLQXRXV FUDQNLQJ WXUQ WKH LJQLWLRQ NH\ WR ´2))µ
DQG OHW WKH VWDUWHU PRWRU FRRO IRU VHFRQGV UHIHU WR
7URXEOHVKRRWLQJ SDJH
$IWHU WKH HQJLQH VWDUWV PRYH WKH FKRNH OHYHU WR ´2))µ
)LJ ,I WKH HQJLQH VWDOOV RU KHVLWDWHV PRYH WKH
FKRNH OHYHU EDFN WR ´21µ IRU D IHZ VHFRQGV 7KHQ
PRYH WKH WKURWWOH OHYHU WR GHVLUHG VHWWLQJ 5HSHDW WKLV
DV UHTXLUHG
)LJXUH
372³2II
&KRNH2Q
&KRNH2II
)LJXUH
)DVW
6ORZ
)LJXUH
2II
/LJKWV
5XQ
6WDUW
6WRSSLQJ
3XVK WKH 372 SRZHU WDNH RII WR ´2))µ )LJ
0RYH WKH WKURWWOH OHYHU EHWZHHQ KDOI DQG IXOO WKURWWOH
)LJ
7XUQ WKH LJQLWLRQ NH\ WR ´2))µ )LJ
2SHUDWLQJ WKH 3RZHU 7DNH 2II
372
7KH SRZHU WDNH RII 372 HQJDJHV DQG GLVHQJDJHV SRZHU
WR WKH HOHFWULF FOXWFK
:KLOH WKH LJQLWLRQ NH\ LV LQ ´581µ RU ´/,*+76µ SRVLWLRQ
DQG WKH SRZHU WDNH RII 372 LV HQJDJHG ´21µ WKH 372
OLJKW LQ WKH ,QGLFDWRU 0RGXOH ZLOO EH ´21µ :KHQ WKLV
OLJKW LV ´21µ LW LV D UHPLQGHU WKH VWDUWHU ZLOO QRW FUDQN
DQG WR WXUQ WKH RII 372 EHIRUH JHWWLQJ RII
(QJDJLQJ WKH 3RZHU 7DNH 2II 372
'HSUHVV WKH EUDNH SHGDO WR VWRS WKH PDFKLQH
3XOO WKH SRZHU WDNH RII 372 WR ´21µ )LJ
)LJXUH
2II'LVHQJDJHG 2Q(QJDJHG
'LVHQJDJLQJ WKH 3RZHU 7DNH 2II 372
'HSUHVV WKH EUDNH SHGDO WR VWRS WKH PDFKLQH
3XVK WKH SRZHU WDNH RII 372 WR ´2))µ )LJ
7KH 6DIHW\ ,QWHUORFN 6\VWHP
,I VDIHW\ LQWHUORFN VZLWFKHV DUH GLVFRQQHFWHG RU
GDPDJHG WKH PDFKLQH FRXOG RSHUDWH XQH[SHFWHGO\
FDXVLQJ SHUVRQDO LQMXU\
'R QRW WDPSHU ZLWK WKH LQWHUORFN VZLWFKHV
&KHFN WKH RSHUDWLRQ RI WKH LQWHUORFN VZLWFKHV
GDLO\ DQG UHSODFH DQ\ GDPDJHG VZLWFKHV EHIRUH
RSHUDWLQJ WKH PDFKLQH
&DXWLRQ

8QGHUVWDQGLQJ WKH 6DIHW\ ,QWHUORFN
6\VWHP
7KH VDIHW\ LQWHUORFN V\VWHP LV GHVLJQHG WR SUHYHQW WKH
HQJLQH IURP VWDUWLQJ XQOHVV
<RX DUH VLWWLQJ RQ WKH VHDW
7KH EUDNH SHGDO LV GHSUHVVHG
7KH SRZHU WDNH RII 372 LV ´2))µ
7KH K\GUR FRQWURO SHGDO LV LQ WKH QHXWUDO SRVLWLRQ
7KH VDIHW\ LQWHUORFN V\VWHP LV GHVLJQHG WR VWRS WKH HQJLQH
LI
<RX ULVH IURP WKH VHDW ZKHQ WKH EUDNH SHGDO LV UHOHDVHG
<RX ULVH IURP WKH VHDW ZKHQ WKH SRZHU WDNH RII 372
LV ´21µ
<RX PRYH WKH K\GUR FRQWURO SHGDO RXW RI WKH QHXWUDO
SRVLWLRQ ZKHQ WKH SDUNLQJ EUDNH LV HQJDJHG
7KH VDIHW\ LQWHUORFN V\VWHP LV GHVLJQHG WR VWRS WKH SRZHU
WDNH RII 372 LI
<RX VKLIW LQWR UHYHUVH ZLWK WKH SRZHU WDNH RII 372
HQJDJHG
6HWWLQJ WKH .H\&KRLFHÉ6ZLWFK WR
2SHUDWH LQ 5HYHUVH
$Q LQWHUORFN IHDWXUH RQ WKH WUDFWRU SUHYHQWV WKH SRZHU WDNH
RII 372 IURP RSHUDWLQJ ZKHQ EDFNLQJ XS ,I \RX VKLIW
LQWR UHYHUVH ZLWK WKH 372 HQJDJHG LH ZLWK PRZHU
EODGHV RU RWKHU DWWDFKPHQW UXQQLQJ WKH 372 ZLOO
GLVHQJDJH 'R QRW PRZ LQ UHYHUVH XQOHVV DEVROXWHO\
QHFHVVDU\
,I \RX QHHG WR XVH WKH 372 ZKLOH EDFNLQJ XS \RX FDQ WXUQ
RII WKLV LQWHUORFN IHDWXUH XVLQJ WKH .H\&KRLFH VZLWFK
ORFDWHG QHDU WKH VHDW EUDFNHW )LJ
'DQJHU
<RX FRXOG EDFN RYHU D FKLOG RU E\VWDQGHU ZKLOH
WKH PRZHU EODGHV RU RWKHU DWWDFKPHQW LV
HQJDJHG DQG FDXVH VHULRXV LQMXU\ RU GHDWK
'R QRW PRZ LQ UHYHUVH XQOHVV DEVROXWHO\
QHFHVVDU\
'R QRW LQVHUW WKH .H\&KRLFH NH\ XQOHVV LW LV
DEVROXWHO\ QHFHVVDU\
$OZD\V ORRN EDFNZDUG DQG GRZQ EHIRUH
EDFNLQJ XS
8VH WKH .H\&KRLFH VZLWFK RQO\ LI \RX DUH
FHUWDLQ QR FKLOGUHQ RU RWKHU E\VWDQGHUV ZLOO
HQWHU WKH PRZLQJ DUHD
%H YHU\ REVHUYDQW DIWHU GHDFWLYDWLQJ WKH
LQWHUORFN EHFDXVH WKH VRXQG RI WKH HQJLQH PD\
SUHYHQW \RX IURP QRWLFLQJ WKDW D FKLOG RU
E\VWDQGHU KDV HQWHUHG WKH ZRUN DUHD
$OZD\V UHPRYH ERWK WKH LJQLWLRQ DQG
.H\&KRLFH NH\V DQG SXW WKHP LQ D VDIH SODFH
RXW RI WKH UHDFK RI FKLOGUHQ RU XQDXWKRUL]HG
XVHUV ZKHQ OHDYLQJ WKH XQLW XQDWWHQGHG
(QJDJH WKH 372
,QVHUW WKH .H\&KRLFH NH\ LQWR WKH VZLWFK )LJ
P
)LJXUH
.H\&KRLFH VZLWFK
7XUQ WKH .H\&KRLFH NH\
$ UHG OLJKW RQ WKH IURQW FRQVROH )LJ WXUQV RQ
LQGLFDWLQJ WKDW WKH LQWHUORFN LV GLVDEOHG

)LJXUH
2SHUDWLQJLQUHYHUVH OLJKW
6KLIW LQWR UHYHUVH DQG FRPSOHWH \RXU WDVN
6WRS WKH 372 RI WKH HQJLQH WR DFWLYDWH WKH LQWHUORFN
5HPRYH WKH .H\&KRLFH NH\ DQG SXW LW LQ D VDIH SODFH
RXW RI UHDFK RI FKLOGUHQ
7HVWLQJ WKH 6DIHW\ ,QWHUORFN 6\VWHP
7HVW WKH VDIHW\ LQWHUORFN V\VWHP EHIRUH \RX XVH WKH
PDFKLQH HDFK WLPH ,I WKH VDIHW\ V\VWHP GRHV QRW RSHUDWH
DV GHVFULEHG EHORZ KDYH DQ $XWKRUL]HG 6HUYLFH 'HDOHU
UHSDLU WKH VDIHW\ V\VWHP LPPHGLDWHO\
6HW WKH SDUNLQJ EUDNH 0RYH WKH SRZHU WDNH RII 372
WR ´21µ 1RZ WXUQ WKH LJQLWLRQ NH\ WR ´67$57µ WKH
HQJLQH VKRXOG QRW FUDQN
3XVK WKH SRZHU WDNH RII 372 WR ´2))µ DQG UHOHDVH
WKH SDUNLQJ EUDNH 1RZ WXUQ WKH LJQLWLRQ NH\ WR
´67$57µ WKH HQJLQH VKRXOG QRW FUDQN
6HW WKH SDUNLQJ EUDNH PRYH WKH SRZHU WDNH RII 372
WR ´2))µ DQG PRYH WKH K\GUR FRQWURO SHGDO IRUZDUG
IURP WKH QHXWUDO WKH HQJLQH VKRXOG QRW FUDQN
6HW WKH SDUNLQJ EUDNH DQG PRYH WKH SRZHU WDNH RII
372 WR ´2))µ 1RZ VWDUW WKH HQJLQH :KLOH WKH
HQJLQH LV UXQQLQJ UHOHDVH WKH SDUNLQJ EUDNH DQG ULVH
VOLJKWO\ IURP WKH VHDW WKH HQJLQH VKRXOG VWRS
6HW WKH SDUNLQJ EUDNH DQG UHVWDUW WKH HQJLQH :KLOH WKH
HQJLQH LV UXQQLQJ DQG WKH SDUNLQJ EUDNH LV HQJDJHG
PRYH WKH K\GUR SHGDO IRUZDUG WKH HQJLQH VKRXOG VWRS
:LWK WKH SDUNLQJ EUDNH UHOHDVHG WXUQ WKH LJQLWLRQ NH\
WR 581 ZLWKRXW VWDUWLQJ WKH HQJLQH 3XOO WKH 372
VZLWFK WR 21 <RX VKRXOG KHDU DQ DXGLEOH FOLFN
LQGLFDWLQJ WKH 372 LV DFWLYDWHG DQG WKH 372 OLJKW ZLOO
LOOXPLQDWH 0RYH WKH IRRW SHGDO WR UHYHUVH <RX
VKRXOG KHDU DQ DXGLEOH FOLFN LQGLFDWLQJ WKH 372 LV
GHDFWLYDWHG DQG WKH 372 OLJKW VKRXOG WXUQ RII
:LWK WKH SDUNLQJ EUDNH UHOHDVHG WXUQ WKH LJQLWLRQ
VZLWFK WR 581 ZLWKRXW VWDUWLQJ WKH HQJLQH 3XOO WKH
372 VZLWFK WR 21 7XUQ WKH .H\&KRLFH NH\ DQG
UHOHDVH 7KH 2SHUDWLQJLQ5HYHUVH ZDUQLQJ OLJKW
VKRXOG LOOXPLQDWH 0RYH WKH IRRW SHGDO WR UHYHUVH
7KH 372 DQG 372 OLJKW RQ WKH GDVK VKRXOG UHPDLQ RQ
3XVK WKH 372 VZLWFK WR 2)) 7KH 372 OLJKW DQG WKH
2SHUDWLQJLQ5HYHUVH ZDUQLQJ OLJKW VKRXOG WXUQ RII
,QGLFDWRU &RQWURO 0RGXOH
7KH LQGLFDWRU FRQWURO PRGXOH )LJ FRQWDLQV OLJKWV IRU
2SHUDWLQJ LQ UHYHUVH
3RZHU WDNH RII 372
%DWWHU\
+RXUPHWHU
7HPSHUDWXUH
2LO SUHVVXUH
)XHO OHYHO
)LJXUH
3RZHU WDNH RII 372
7HPSHUDWXUH
%DWWHU\
+RXUPHWHU
)XHO OHYHO
2LO
2SHUDWLQJLQ5HYHUVH
)ROORZLQJ DUH WKH FRQGLWLRQV ZKHQ LQGLFDWRU OLJKWV ZLOO EH
´21µ $W RWKHU WLPHV WKH OLJKWV VKRXOG EH RII
2SHUDWLQJ LQ 5HYHUVH
7KH 2SHUDWLQJ²LQ²5HYHUVH OLJKW ZLOO LOOXPLQDWH ZKHQHYHU
WKH .H\&KRLFH VZLWFK LV XVHG WR GHDFWLYDWH WKH
RSHUDWLQJLQUHYHUVH LQWHUORFN ,W LV D UHPLQGHU WKDW WKH
LQWHUORFN V\VWHP LV GHDFWLYDWHG 7KH OLJKW JRHV RXW
ZKHQHYHU WKH SRZHU WDNH RII 372 LV GLVHQJDJHG RU WKH
HQJLQH LV VKXW RII
372 3RZHU 7DNH 2II
7KH 372 SRZHU WDNH RII OLJKW ZLOO EH ´21µ ZKHQ WKH
NH\ LV LQ WKH ´581µ RU ´/,*+76µ SRVLWLRQV DQG WKH 372
SRZHU WDNH RII LV HQJDJHG ´21µ :KHQ WKLV OLJKW LV
´21µ LW LV D UHPLQGHU WKH VWDUWHU ZLOO QRW FUDQN DQG WXUQ
RII WKH 372 EHIRUH JHWWLQJ RII

+RXUPHWHU
7KH KRXUPHWHU UHFRUGV WKH QXPEHU RI KRXUV WKH HQJLQH KDV
RSHUDWHG )LJ ,W LV WXUQHG RQ ZKHQ WKH LJQLWLRQ VZLWFK
LV LQ WKH ´581µ RU ´/,*+76µ SRVLWLRQV 8VH WKH WLPHV IRU
VFKHGXOLQJ UHJXODU PDLQWHQDQFH
%DWWHU\
7KH EDWWHU\ OLJKW ZLOO EH ´21µ ZKHQ WKH NH\ LV LQ WKH
´581µ RU ´/,*+76µ SRVLWLRQV LI WKH EDWWHU\ YROWDJH LV
EHORZ YROWV RU ZKHQ WKH HQJLQH LV UXQQLQJ DQG WKH
DOWHUQDWRU RXWSXW LV DERYH YROWV :KHQ WKLV OLJKW
FRPHV RQ LW LV LPSRUWDQW WR KDYH \RXU EDWWHU\ DQG
HOHFWULFDO V\VWHP FKHFNHG DQG WKH SUREOHP FRUUHFWHG
)XHO /HYHO
7KH IXHO OHYHO OLJKW ZLOO EH ´21µ ZKHQ WKH NH\ LV LQ WKH
´581µ RU ´/,*+76µ SRVLWLRQV DQG WKH IXHO OHYHO LV ORZ
DSSUR[LPDWHO\ RQH SLQW UHPDLQLQJ
2LO
7KH RLO OLJKW ZLOO EH ´21µ ZKHQ WKH NH\ LV LQ WKH ´581µ
RU ´/,*+76µ SRVLWLRQV DQG WKH HQJLQH LV QRW UXQQLQJ
DIWHU WKH HQJLQH LV VWDUWHG WKH OLJKW VKRXOG JR RXW :KHQ
WKH HQJLQH LV UXQQLQJ LI WKH RLO SUHVVXUH GURSV EHORZ D VDIH
RSHUDWLQJ OHYHO WKH OLJKW FRPHV ´21µ :KHQ WKH OLJKW
FRPHV RQ ZKLOH WKH HQJLQH LV UXQQLQJ 6WRS HQJLQH
LPPHGLDWHO\ DQG FRUUHFW WKH FDXVH RI ORZ RLO SUHVVXUH
7HPSHUDWXUH
7KH WHPSHUDWXUH OLJKW ZLOO EH ´21µ ZKHQ WKH NH\ LV LQ WKH
´581µ RU ´/,*+76µ SRVLWLRQV DQG WKH HQJLQH
WHPSHUDWXUH H[FHHGV SURSHU RSHUDWLQJ OLPLWV 6WRS HQJLQH
LPPHGLDWHO\ DQG FRUUHFW WKH FDXVH RI KLJK
WHPSHUDWXUH
'ULYLQJ )RUZDUG RU %DFNZDUG
7KH WKURWWOH FRQWURO UHJXODWHV WKH HQJLQH VSHHG DV
PHDVXUHG LQ USP UHYROXWLRQV SHU PLQXWH 3ODFH WKH
WKURWWOH FRQWURO LQ WKH ´)$67µ SRVLWLRQ IRU EHVW
SHUIRUPDQFH
7R JR IRUZDUG RU EDFNZDUG UHOHDVH WKH SDUNLQJ EUDNH
UHIHU WR 5HOHDVLQJ WKH 3DUNLQJ %UDNH SDJH 3ODFH \RXU
IRRW RQ WKH WUDFWLRQ FRQWURO SHGDO DQG VORZO\ SUHVV RQ WKH
WRS RI WKH WUDFWLRQ FRQWURO SHGDO WR PRYH IRUZDUG RU RQ WKH
ERWWRP RI WKH WUDFWLRQ FRQWURO SHGDO WR PRYH EDFNZDUG
)LJ 7KH IDUWKHU \RX PRYH WKH WUDFWLRQ FRQWURO SHGDO
LQ HLWKHU GLUHFWLRQ WKH IDVWHU WKH PDFKLQH ZLOO PRYH LQ
WKDW GLUHFWLRQ
1RWH )RU UHYHUVH PRWLRQ ZLWK WKH 372 HQJDJHG WKH
RSHUDWLQJLQUHYHUVH LQWHUORFN PXVW EH GHDFWLYDWHG E\ WKH
.H\&KRLFH VZLWFK ORFDWHG RQ WKH VHDW EUDFNHW RQ WKH ULJKW
KDQG VLGH MXVW EHORZ WKH VHDW
7R VORZ GRZQ UHOHDVH WKH SUHVVXUH RQ WKH WUDFWLRQ FRQWURO
SHGDO
,PSRUWDQW 7R DYRLG WUDQVPLVVLRQ GDPDJH DOZD\V
UHOHDVH WKH SDUNLQJ EUDNH EHIRUH PRYLQJ WKH WUDFWLRQ
FRQWURO SHGDO
)LJXUH
)RUZDUG %DFNZDUG
6WRSSLQJ WKH 0DFKLQH
7R VWRS WKH PDFKLQH UHOHDVH WKH WUDFWLRQ FRQWURO SHGDO
GLVHQJDJH WKH SRZHU WDNH RII 372 DQG WXUQ WKH LJQLWLRQ
NH\ WR ´2))µ WR VWRS WKH HQJLQH $OVR VHW WKH SDUNLQJ
EUDNH LI \RX OHDYH WKH PDFKLQH XQDWWHQGHG UHIHU WR
6HWWLQJ WKH 3DUNLQJ %UDNH SDJH 5HPHPEHU WR UHPRYH
WKH NH\ IURP WKH LJQLWLRQ VZLWFK
&KLOGUHQ RU E\VWDQGHUV PD\ EH LQMXUHG LI WKH\
PRYH RU DWWHPSW WR RSHUDWH WKH WUDFWRU ZKLOH LW LV
XQDWWHQGHG
$OZD\V UHPRYH WKH LJQLWLRQ DQG .H\&KRLFH NH\V
DQG VHW WKH SDUNLQJ EUDNH ZKHQ OHDYLQJ WKH
PDFKLQH XQDWWHQGHG HYHQ LI MXVW IRU D IHZ
PLQXWHV
&DXWLRQ
$WWDFKPHQW 3RZHU /LIW
7KH DWWDFKPHQW SRZHU OLIW )LJ LV XVHG WR UDLVH DQG
ORZHU DWWDFKPHQWV
5DLVLQJ $WWDFKPHQWV
7XUQ NH\ WR WKH ´21µ RU ´581µ SRVLWLRQ )LJ

3XVK WKH OLIW VZLWFK LQ WKH ´83µ GLUHFWLRQ WR UDLVH WKH
DWWDFKPHQW OLIW )LJ 7KLV ZLOO OLIW DQG KROG WKH
DWWDFKPHQW LQ WKH XS RU UDLVHG SRVLWLRQ
/RZHULQJ $WWDFKPHQWV
7XUQ NH\ WR WKH ´21µ RU ´581µ SRVLWLRQ )LJ
3XVK WKH OLIW VZLWFK LQ WKH ´'2:1µ GLUHFWLRQ WR ORZHU
WKH DWWDFKPHQW OLIW )LJ 7KLV ZLOO ORZHU WKH
DWWDFKPHQW OLIW
P
)LJXUH
.H\
/LIW VZLWFK 83
/LIW VZLWFK '2:1
'LDO$+HLJKW NQRE
'LDO$+HLJKW LQGLFDWRU
$GMXVWLQJ 'LDO$+HLJKW
7KH 'LDO$+HLJKW FRQWURO )LJ LV XVHG WR OLPLW WKH
GRZQZDUG WUDYHO RI WKH DWWDFKPHQW 7KH 'LDO$+HLJKW
NQRE LV URWDWHG WR FKDQJH WKH ORFDWLRQ RI WKLV VWRS XS RU
GRZQ
5DLVH WKH DWWDFKPHQW OLIW OHYHU UHIHU WR 5DLVLQJ
$WWDFKPHQWV ,Q WKH UDLVHG SRVLWLRQ WKH 'LDO$+HLJKW
NQRE )LJ FDQ EH URWDWHG WR FKDQJH WKH VWRS
ORFDWLRQ 7XUQ FORFNZLVH WR UDLVH DQG FRXQWHUFORFNZLVH
WR ORZHU WKH KHLJKW RI WKH DWWDFKPHQW
7KH 'LDO$+HLJKW LQGLFDWRU )LJ ZLOO VKRZ WKH
FKDQJH KLJK WR ORZ LQ DWWDFKPHQW OLIW KHLJKW DV
DGMXVWPHQW LV PDGH
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 NQREV
)LJ
6OLGH WKH VHDW WR WKH GHVLUHG SRVLWLRQ DQG WLJKWHQ WKH
NQREV
P
)LJXUH
$GMXVWPHQW .QRE
+HDGOLJKWV
7KH KHDGOLJKWV DUH WXUQHG RQ ZLWK D VHSDUDWH SRVLWLRQ
´/,*+76µ RI WKH LJQLWLRQ VZLWFK )LJ 7KH OLJKWV DUH
RQ ZKLOH WKH LJQLWLRQ VZLWFK LV LQ WKH ´/,*+76µ SRVLWLRQ
HYHQ ZLWK WKH HQJLQH RII 5HPRYH WKH NH\ ZKHQ WKH
PDFKLQH LV OHIW XQDWWHQGHG VR OLJKWV FDQ QRW EH WXUQHG RQ
GLVFKDUJLQJ WKH EDWWHU\
)LJXUH
/LJKWV
3RVLWLRQLQJ WKH 7LOW 6WHHULQJ
:KHHO
7KH VWHHULQJ ZKHHO KDV IRXU WLOW ORFDWLRQV 3RVLWLRQ WKH
VWHHULQJ ZKHHO ZKHUH \RX KDYH WKH EHVW FRQWURO RI WKH
PDFKLQH DQG DUH PRVW FRPIRUWDEOH
/LIW WKH WLOW OHYHU WR UHOHDVH WKH ORFN )LJ
0RYH WKH VWHHULQJ ZKHHO WR D FRPIRUWDEOH SRVLWLRQ
WKHQ UHOHDVH WKH OHYHU WR ORFN

E
)LJXUH
7LOW OHYHU 6WHHULQJ ZKHHO
8VLQJ WKH &UXLVH &RQWURO
$ WKUHH SRVLWLRQ VZLWFK ORFDWHG RQ WKH GDVK )LJ ZLWK
WKH IXQFWLRQV RI /RFN6HW VSULQJ ORDGHG 2Q DQG
8QORFN2II FRQWUROV WKH HQJDJHPHQW &UXLVH FRQWURO
PDLQWDLQV WKH WUDFWLRQ FRQWURO SRVLWLRQ ZLWKRXW IRRW
SUHVVXUH &UXLVH FRQWURO LV LQWHQGHG IRU RSHUDWLRQ LQ WKH
IRUZDUG GLUHFWLRQ RQO\ 'R QRW XVH FUXLVH FRQWURO LQ
UHYHUVH
(QJDJLQJ WKH &UXLVH &RQWURO
%HJLQ GULYLQJ WUDFWRU 5HIHU WR 'ULYLQJ )RUZDUG RU
%DFNZDUG 3DJH :KLOH KROGLQJ \RXU IRRW VWHDG\ RQ
WKH WUDFWLRQ FRQWURO SXVK WKH FUXLVH FRQWURO VZLWFK
)LJ WR WKH ´/RFN6HWµ SRVLWLRQ
)LJXUH
/RFN6HW 8QORFN2II
7KLV ORFNV WKH WUDFWLRQ FRQWURO LQ SRVLWLRQ DQG \RXU
IRRW FDQ WKHQ EH UHPRYHG IURP WKH WUDFWLRQ FRQWURO
$ FRQVWDQW JURXQG VSHHG ZLOO EH PDLQWDLQHG
'LVHQJDJLQJ WKH &UXLVH &RQWURO
:KLOH KROGLQJ \RXU IRRW VWHDG\ RQ WKH WUDFWLRQ FRQWURO
PRYH WKH FUXLVH FRQWURO VZLWFK )LJ WR WKH
´8QORFN2IIµ SRVLWLRQ
7KLV XQORFNV WKH WUDFWLRQ FRQWURO DQG \RXU IRRW WKHQ
RSHUDWHV WKH WUDFWLRQ FRQWURO
)RU TXLFN VWRSV MXVW SUHVV RQ WKH EUDNH SHGDO 7KLV
DXWRPDWLFDOO\ GLVHQJDJHV WKH FUXLVH FRQWURO DQG DSSOLHV
WKH EUDNH DW WKH VDPH WLPH
3XVKLQJ WKH 0DFKLQH E\ +DQG
,PSRUWDQW $OZD\V SXVK WKH PDFKLQH E\ KDQG 1HYHU
WRZ WKH PDFKLQH EHFDXVH WUDQVD[OH GDPDJH PD\ RFFXU
7R 3XVK WKH 0DFKLQH
'LVHQJDJH WKH SRZHU WDNH RII 372 DQG WXUQ WKH
LJQLWLRQ NH\ WR ´2))µ WR VWRS WKH HQJLQH
0RYH WKH GULYH FRQWURO URG WR WKH ´386+µ SRVLWLRQ
7KLV GLVHQJDJHV WKH GULYH V\VWHP DQG DOORZV WKH
ZKHHOV WR WXUQ IUHHO\ )LJ
7R 2SHUDWH WKH 0DFKLQH
0RYH WKH GULYH FRQWURO URG WR WKH ´23(5$7(µ
SRVLWLRQ )LJ
1RWH 7KH PDFKLQH ZLOO QRW GULYH XQOHVV WKH GULYH FRQWURO
URG LV LQ WKH ´23(5$7(µ SRVLWLRQ
0
)LJXUH
2SHUDWH SRVLWLRQ
3XVK SRVLWLRQ
'ULYH FRQWURO URG

0DLQWHQDQFH
5HFRPPHQGHG 0DLQWHQDQFH 6FKHGXOH
0DLQWHQDQFH 6HUYLFH
,QWHUYDO 0DLQWHQDQFH 3URFHGXUH
$IWHU )LUVW 8VH &KDQJH RLO
(DFK 8VH
&KHFN RLO OHYHO
&KHFN VDIHW\ V\VWHP
&KHFN EUDNH
&OHDQ RXWVLGH RI HQJLQH
(YHU\ +RXUV &KHFN EDWWHU\ HOHFWURO\WH
(YHU\ +RXUV
6HUYLFH IRDP DLU FOHDQHU
&KHFN VSDUN SOXJV
&KHFN WLUH SUHVVXUH
&KHFN IURQW ZKHHO WRHLQ
(YHU\ +RXUV
*UHDVH FKDVVLV
&KHFN EHOWV IRU ZHDUFUDFNV
(YHU\ +RXUV
&KDQJH RLO
5HSODFH SDSHU DLU FOHDQHU
5HSODFH IXHO ILOWHU
(YHU\ +RXUV &KDQJH RLO ILOWHU
%HIRUH 6WRUDJH
&KDQJH RLO ILOWHU
&KHFN EUDNH
*UHDVH FKDVVLV
6HUYLFH IRDP DLU FOHDQHU
5HSODFH SDSHU DLU FOHDQHU
&KHFN VSDUN SOXJV
&KHFN EHOWV IRU ZHDUFUDFNV
'UDLQ JDVROLQH
&OHDQ RXWVLGH RI HQJLQH
3DLQW FKLSSHG VXUIDFHV
&KHFN EDWWHU\ HOHFWURO\WH
&KDUJH EDWWHU\ DQG GLVFRQQHFW FDEOHV
5HSODFH IXHO ILOWHU
&KHFN WLUH SUHVVXUH
&KHFN IURQW ZKHHO WRHLQ
$IWHU 6WRUDJH
&KHFN VDIHW\ V\VWHP
&KHFN EUDNH
&KHFN VSDUN SOXJV
&KHFN EDWWHU\ HOHFWURO\WH
&KHFN WLUH SUHVVXUH
0RUH RIWHQ LQ GXVW\ GLUW\ FRQGLWLRQV
,PSRUWDQW 5HIHU WR \RXU HQJLQH RSHUDWRU·V PDQXDO IRU DGGLWLRQDO PDLQWHQDQFH SURFHGXUHV
Other manuals for 72116
1
This manual suits for next models
1
Other Toro Lawn Mower manuals

Toro
Toro 04018 Greensmaster Flex 18 User manual

Toro
Toro STRIPE 21621 User manual

Toro
Toro timecutter series Manual

Toro
Toro Recycler 20372 User manual

Toro
Toro 29730 User manual

Toro
Toro 30403 User manual

Toro
Toro 2656 User manual

Toro
Toro 22162 User manual

Toro
Toro 20337 User manual

Toro
Toro 31201 User manual