User manual KENMORE 625.348571

[. . . ] 2:1(5·6 0$18$/ 02'(/ 126 &DXWLRQ 5HDG DQG )ROORZ $OO 6DIHW\ 5XOHV DQG 2SHUDWLQJ , QVWUXFWLRQV %HIRUH )LUVW 8VH RI 7KLV 3URGXFW , I \RX KDYH TXHVWLRQV ZKHQ LQVWDOOLQJ RSHUDWLQJ RU PDLQ WDLQLQJ \RXU VRIWHQHU DQG 'HOX[H 'HPDQG :DWHU $41903078 < :DUUDQW\ < 6WDUW 8S 6HWWLQJ 7LPHU < +RZ , W :RUNV < &DUH 2I < 6SHFLILFDWLRQV < 5HSDLU 3DUWV 8VH SODVWLF EDJ DQG WLH SURYLGHG WR KDQJ PDQXDOV QHDUE\ WKH VRIWHQHU IRU IXWXUH UHIHUHQFH ZKHQ VHWWLQJ WKH WLPHU FDOO WKLV WROOïIUHH QXPEHU ïïï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·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o 6HULDO 1XPEHU 'DWH , QVWDOOHG :DWHU +DUGQHVV , URQ &RQWHQW S+ :DWHU 3UHVVXUH :DWHU )ORZ 5DWH *UDLQV 3HU *DOORQ 3DUWV 3HU 0LOOLRQ 7DVWH $QG2U 2GRU 3RXQGV6TXDUH , QFK *DOORQV 3HU 0LQXWH o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 VHW IRU 6(59, &(" 6HH ), * SDJH RI WKLV PDQX DO , V WKH YDOYH GUDLQ KRVH FRQQHFWHG WKH ULJKW ZD\ DQG ZLWKRXW VKDUS EHQGV RU NLQNV WKDW FRXOG VWRS RU UHGXFH ZDWHU IORZ" 6HH SDJH , V WKH VRIWHQHU SRZHU FDEOH FRQQHFWHG WR WKH WUDQVIRUPHU" , V WKH WUDQVIRUPHU SOXJJHG LQWR DQ LQVLGH 9+] HOHFWULFDO RXWOHW" 6HH SDJH EUDVV ï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ïïï /2: 6$/7 212))ï+2/' EXWWRQ 5HFKDUJH 7RQLJKWï1RZ '2:1 EXWWRQ :KHQ WKH WUDQVIRUPHU LV SOXJJHG LQ WKH PRGHO FRGH65DQGDWHVW QXPEHUH[DPSOH NVKRZ LQ WKH IDFH SODWH GLVSOD\ IRU VHFRQGV 7KHQ $0 DQG 35(6(17 7, 0( EHJLQ WR IODVK $0 35(6(17 7, 0( EXWWRQ )RU H[DPSOH ZKLOH VHWWLQJ WKH KDUGQHVV VWHS  WKH EHHSHU VRXQGV UHSHDWHGO\ ZKHQ WKH GLVSOD\ UHDFKHV XVLQJ WKH '2:1 EXWWRQ RU WKH KLJKHVW KDUGQHVV VHWWLQJ XVLQJ WKH 83 EXWWRQ 6(7 35(6(17 7, 0( 2) '$< 127( , I WKH ZRUGV 35(6(17 7, 0( GR QRW VKRZ LQ WKH GLVSOD\ SUHVV WKH 6(/(&7 EXWWRQ ), *  XQWLO WKH\ GR RU VHH WKH SUHYLRXV QRWHV 127(6 , I 65ï ï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´EHHSHUµ VRXQGV ZKLOH SUHVVLQJEXWWRQV IRUWLPHU VHWXS2QH EHHSVLJQDOV D FKDQJH LQ WKH IDFH SODWH GLVSOD\ 5HSHDWHG EHHSV PHDQ WKH WLPHU ZLOO QRW DFFHSW D FKDQJH IURP WKH EXWWRQ\RXKDYHSUHVVHGWHOOLQJ\RXWRXVHDQRWKHU 6281' ´%((3(5µ VKRZV $0 35(6(17 7, 0( 127( (DFK SUHVV RI WKH 83 '2:1 EXWWRQV FKDQJHV WKH WLPH E\ PLQXWH +ROGLQJ WKH EXWWRQV LQ FKDQJHV WKH WLPH PLQXWHV HDFK VHFRQG 6(&7, 21 & :$7(5 62)7(1(5 67$5783 352*5$0 7+( 7, 0(5 KRXVHKROGV EHFDXVH ZDWHU LV QRW EHLQJ XVHG VHH 6(7 :$7(5 +$5'1(66 180%(5 IODVKLQJ DQG !3UHVV WKH 6(/(&7 EXWWRQ RQFH WR GLVSOD\ +$5'1(66 $XWRPDWLF %\SDVV GR WKH IROORZLQJ SDJH  , I D GLIIHUHQW UHFKDUJH WLPH VHWWLQJ ZRXOG EH EHWWHU IRU \RXU KRXVHKROG 7KH JUDLQV SHU JDOORQ JSJ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 !3UHVV WKH 6(/(&7 EXWWRQ WR GLVSOD\ 2)) IODVKLQJ DQG &/($1 7KLV IHDWXUH LV EHQHILFLDO RQ ZDWHU VXSSOLHV FRQWDLQLQJ LURQ &/($1 DQGRU KLJK DPRXQWV RI VHGL PHQWV VDQG VLOW GLUW HWF :KHQ VHW WR 21 D EDFNZDVK DQG IDVW ULQVH F\FOH ZLOO RFFXU &/($1 ILUVW SUHFHHGLQJ WKH QRUPDO UH JHQHUDWLRQ VHTXHQFH VHH SDJH  7KLV SURYLGHV H[WUD FOHDQ LQJ RI WKH UHVLQ EHG EHIRUH LW LV UHJHQHUDWHG ZLWK WKH VDOW EULQH 7R FRQVHUYH ZDWHU LI \RXU ZDWHU VXSSO\ GRHV QRW FRQWDLQ LURQ RU VHGLPHQWV EH VXUH WKLV IHDWXUH LV VHW WR 2)) 8VH WKH 83 'RZQ EXWWRQV WR FKDQJH WKH 21 2)) GLVSOD\V WKH SUHVHQW WLPH DQG GLVSOD\ JSJ KDUGQHVV SSP LURQ [ WLPHV +$5'1(66 180%(5 !3UHVV WKH 83 '2:1 EXWWRQV WR VHW \RXU ZDWHU KDUGQHVV QXPEHU LQ WKH GLVSOD\ 7KH '2:1 EXWWRQ PRYHV WKH GLVSOD\ WR 7KH 83 EXWWRQ PRYHV WKH GLVSOD\ WR WKH KLJKHVW VHWWLQJ VHH PD[LPXP VHWWLQJ IRU \RXU PRGHO LQ WKH VSHFLILFD WLRQV 127( (DFK SUHVV RI WKH 83 '2:1 EXWWRQ FKDQJHV WKH GLVSOD\ E\ EHWZHHQ DQG %HWZHHQ DQG WKH KLJKHVW QXPEHU WKH GLVSOD\ FKDQJHV DW D WLPH} HWF +ROGLQJ WKH 83 RU '2:1 EXWWRQ LQ FKDQJHV WKH GLVSOD\ WZLFH HDFK VHFRQG !3UHVV WKH 6(/(&7 EXWWRQ RQFH DJDLQ 6(7 5(&+$5*( RU 5(*(1(5$7, 21 7, 0( IODVKLQJ DQG 5(&+$5*( 7, 0( 5(&+$5*( 721, *+7 LQ WKH 30 5(&+$5*( 72 1, *+7 WR UHWXUQ !3UHVV WKH 6(/(&7 EXWWRQ WR GLVSOD\ $0 2)) 6HUY $0 $W WKH $0 UHFKDUJH WLPH 5(&+$5*( VHWWLQJ WKH VRIWHQHU EHJLQV UH 7, 0( JHQHUDWLRQ VHH SDJHV DQG  DW $0 HQGLQJ QR ODWHU WKDQ $0 7KLV LV D JRRG WLPH LQ PRVW :$7(5 )/2: , ) <28 1((' +(/3 352*5$00, 1* 7+( 7, 0(5 &$// 72// )5(( 180%(5 ïïï 6(( 3$*(6 $1' )25 27+(5 )$&( 3/$7( 7, 0(5 )($785(6 6(&7, 21 ' :$7(5 62)7(1(5 67$5783 6$1, 7, =, 1* 7+( :$7(5 62)7(1(5 &DUH LV WDNHQ DW WKH IDFWRU\ WR NHHS \RXU ZDWHU VRIWHQHU 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 LQVWDO OLQJ DQG RSHUDWLQJ EDFWHULD FRXOG JHW LQWR WKH VRIWHQHU )RU WKLV UHDVRQ VDQLWL]LQJ DV IROORZV LV VXJJHVWHGo ZKHQ LQVWDOOLQJ ), * $'' :$7(5 6DOW +ROH &RYHU 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 /LIW WKH VDOW KROH FRYHU DQG XVH D SDLO RU KRVH WR ILOO WKH VDOW VWRUDJH WDQN ZLWK DW OHDVW JDOORQV RI ZDWHU 5HPRYH WKH EULQHZHOO FRYHU ), *  DQG SRXU DERXW RXQFH RI FRPPRQ KRXVHKROG EOHDFK &ORUR[ /LQFR %R3HHS :KLWH 6DLO (DJOH HWF LQ WKH VRIWHQHU EULQHZHOO 3UHVV WKH EXWWRQ DQG KROG IRU VHFRQGV WR VWDUW D UHFKDUJH 7KLV ILUVW UHFKDUJH GRHV VHYHUDO WKLQJV ³ , W GUDZV WKH EOHDFK LQWR DQG WKURXJK WKH VRIWHQHU WR VDQLWL]H LW ³ , W ILOOV WKH VDOW WDQN WR WKH ZDWHU OHYHO QHHG HG ³ , W JHWV DOO WKH DLU RXW RI WKH UHVLQ WDQN ³ , W SUHSDUHV WKH UHVLQ EHG VHH SDJH  IRU VHUYLFH KRVH %ULQHZHOO &RYHU UHPRYH DQG DGG DERXW R] EOHDFK %ULQHZHOO :DWHU $ERXW *DOORQV 212))+2/' 127(6 7KLV UHFKDUJH WDNHV DERXW KRXUV , I WKH &/($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFNZDVK ZLOO RFFXU ILUVW &/($1 DQG %NZVK RU 5LQVH IODVKHV LQ WKH GLVSOD\ EHIRUH WKH VDQLWL] PLQXWHV ZKHQ WKH FOHDQ IHDWXUH LV RQ LQJ UHFKDUJH 5HFKDUJH WDNHV DERXW KRXUV DQG <RX FDQ VDQLWL]H WKH VRIWHQHU ZLWK RU ZLWK o RXW VDOW LQ WKH VWRUDJH WDQN 5HFRPPHQGHG E\ WKH :DWHU 4XDOLW\ $VVRFLDWLRQ 2Q VRPH ZDWHU VXSSOLHV WKH ZDWHU VRIWHQHU PD\ QHHG SH ULRGLF GLVLQIHFWLQJ 6(&7, 21 :$7(5 62)7(1(5 67$5783 ), // 7+( 6725$*( 7$1. 3UHVV WKH 212))+2/' 2)) 6HUY )LOO 30 KRXUV \RX ZLOO KDYH VRIW ZDWHU DJDLQ 127( , I WKH &/($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFNZDVK &/($1 DQG %NZVK RU 5LQVH IODVKHV LQ WKH GLVSOD\ DORQJ ZLWK WKH PLQXWHV RI WKH FOHDQ F\FOH UHPDLQLQJ SUHFHGHV WKH UHFKDUJH 5(&+$5*( 721, *+7 127( )RU DFFXUDWH VDOW PRQLWRU RSHUDWLRQ DOZD\V XVH QXJJHW RU SHOOHW ZDWHU VRIWHQHU VDOW 6HH SDJH 6$/7 /(9(/ 6, *1$/ /(9(/ !3UHVV DQG UHOHDVH GR QRW KROG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 WKH OHQJWK RI WKH H[WUD EDFNZDVK F\FOH DXWRPDWLFDOO\ VHWV WR PLQXWHV +RZHYHU \RX FDQ DGMXVW 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 5(&+$5*( 7, 0( 5(0$, 1, 1* , 3/ 9$/9( 326, 7, 21 , 1', &$7256 YDOYH 2QH RI WKH YDOYH SRVLWLRQ WRUV 6HUY )LOO %ULQH 5LQVH LV GLVSOD\HG LV VRIWHQHU LQGLFD %NZVK SRVLWLRQ LQGLFDWRUV UHFKDUJH WLPH UHPDLQLQJ ZKLOH WKH 6HH 2)) 6HUY )LOO % UHFKDUJLQJ %ULQH RQ SDJH LI WKH &/($1 LV 21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 7KLV SURYLGHV WKH JUHDWHVW RSHUDWLQJ HIILFLHQF\ DQG QRUPDOO\ WKH LV QRW QHHGHG , I \RX ZDQW WR ZLWKLQ D QXPEHU RI GD\V XVH WKLV IHDWXUH )RU H[DPSOH 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 H[DPSOH VHW WR GD\V PD[LPXP EHWZHHQ UHJHQHUDWLRQV 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 SRZHU FRPHV RQ DJDLQ \RX KDYH WR UHVHW WKH SUHVHQW WLPH RQO\ LI WKH GLVSOD\ LV IODVKLQJ 7KH +$5'1(66 DQG 5(&+$5*( 7, 0( QHYHU UHTXLUH UHVHWWLQJ XQOHVV D FKDQJH LV GHVLUHG (YHQ LI WKH WLPHU LV LQFRUUHFW DIWHU D ORQJ SRZHU RXWDJH WKH VRIWHQHU ZRUNV DV LW VKRXOG WR NHHS \RXU ZDWHU VRIW +RZHYHU UHJHQHUDWLRQV PD\ RFFXU DW WKH ZURQJ WLPH RI GD\ XQWLO \RX UHVHW WKH WLPHU WR WKH FRUUHFW WLPH RI GD\ 3UHVV 6(/(&7 WR VKRZ WKH +285 GLVSOD\ GLVSOD\V DUH VKRZQ LQ VWDQGDUG FORFNWLPHWR30DQGWR $0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´6HUYLFHµ 'XULQJ VHUYLFH KDUG ZDWHU IORZV WKURXJK 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 DWWUDFWV DQG KROGV WKH KDUGQHVV PLQHU DOV 7KLV LV FDOOHG LRQH[FKDQJLQJ , W LV PXFK OLNH D PDJQHWDWWUDFWLQJDQGKROGLQJPHWDOV:DWHUZLWK RXW WKH KDUGQHVV PLQHUDOV VRIW ZDWHUIORZV RXWRI WKH VRIWHQHU DQG LQWR WKH KRXVH VRIW ZDWHU SLSHV $IWHU D SHULRG RI WLPH WKH UHVLQ EHDGV EHFRPH FRDWHGZLWKKDUGQHVVPLQHUDOVDQGWKH\KDYHWREH FOHDQHG 7KLV FOHDQLQJ LV FDOOHG UHJHQHUDWLRQ RU UHFKDUJH5HJHQHUDWLRQLVVWDUWHGDWDPE\WKH HOHFWURQLF WLPHU VHH SDJH  , W WDNHV SODFH LQ VWDJHV RU F\FOHV 7KHVH DUH 6(59, &( o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 LV VHW WR 21 DGGLWLRQDO EDFNZDVK DQG IDVW ULQVH F\FOHV RFFXU EHIRUH WKH ILOO F\FOH ), * :$7(5 )/2: 7+528*+ 7+( 62)7(1(5 , 1 6(59, &( VRIW ZDWHU 287 , 1 KDUG ZDWHU ILOO ZDWHU VDOW VWRUDJH WDQN VDOW QRW VKRZQ EULQH YDOYH UHVLQ WDQN UHVLQ EHG 6(&7, 21 'XULQJ EULQLQJ WKH EULQH LV PRYHG IURPWKHVDOWVWRUDJHDUHDLQWRWKHUHVLQWDQN, 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 ïïWKHDPRXQW RI UHVLQ LQ WKH VRIWHQHU ïïKRZIDVW WKH EULQH JRHV WKURXJK WKH EHG 7KH QR]]OH DQG YHQWXUL ), * 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 $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 ZDWHU E\SDVV QR]]OH YHQWXUL KDUG 287 :$7(5 )/2: 7+528*+ 7+( 62)7(1(5 , 1 %5, 1, 1* $1' %5, 1( 5, 16( KDUG ZDWHU , 1 ), * GUDLQ :$7(5 )/2: 7+528*+ 7+( 62)7(1(5 , 1 )$67 5, 16( VRIW ZDWHU 287 KDUG ZDWHU , 1 GUDLQ EULQH YDOYH IORZV G%$&. :$6+ 'XULQJ EDFNZDVK DZDWHUUDWH WR 83 WKURXJK WKH UHVLQ WDQN ), *  DW IDVW IOXVK LURQ PLQHUDOV GLUW DQG VHGLPHQWV IURP WKH EHG DQG WR WKH GUDLQ 7KH EHG OLIWV DQG H[SDQGV IRU JRRG FOHDQLQJ EULQH 6(&7, 21 % +2: <285 :$7(5 62)7(1(5 :25. 6 62)7 :$7(5 6(59, &( $1' 5(*(1(5$7, 21 7ZR PDLQ SDUWV RI WKH VRIWHQHU·V HOHFWURQLFV DUH :$7(5 0(7(5 DQG D &20387(5 'XULQJ WKH EULQLQJ EULQH ULQVH DQG EDFNZDVK F\FOHV RI UHJHQHUDWLRQ KDUG ZDWHU JRHV WKURXJK WKHVRIWHQHUYDOYHDQGWRWKHKRXVHSLSHV, IDIDXFHW LV RSHQHG KDUG ZDWHU LV WKHUH IRU \RXU QHHGV +RZHYHU \RX VKRXOG QRW XVH +27 ZDWHU LI $8720$7, & %<3$66 (/(&7521, &6 SRVVLEOH EHFDXVH WKH ZDWHU KHDWHU ZLOO UHILOO ZLWK KDUGZDWHU 7KHVRIWHQHU UHJHQHUDWHVIURP $0 WR DERXW $0 \RX FDQ VHW DQ\WLPH D WLPH ZKHQ QRW PXFK ZDWHU LV XVHG , I\RXJHWXSHDUO\LQWKHPRUQLQJDQG\RXFDQKHDU WKH VRIWHQHU UHJHQHUDWLQJ FKDQJH WKH WLPH VHWWLQJ 6HWWKHUHFKDUJHWLPHWR$0RU $0SDJH  7KHQ UHJHQHUDWLRQ ZLOO VWDUW DQG HQG WKDW PXFK HDUOLHU DQG \RXU ZDWHU KHDWHU ZLOO QRW UHILOO ZLWK KDUG ZDWHU LI D KRW IDXFHW LV RSHQHG $0 RU DV RWKHUZLVH VHW LW ZLOO VFKHGXOH D UHJHQHUDWLRQ 5(&+$5*( 721, *+7 GLVSOD\V XQ WLO WKH UHJHQHUDWLRQ EHJLQV :KHQ WKH UHJHQHUDWLRQ EHJLQV 721, *+7 JRHV RII DQG 5(&+$5*( RU 5(&+$5*( 7, 0( 5(0$, 1, 1* IODVKHV GXULQJ WKH KRXU UHJHQHUDWLRQ o :$7(5 0(7(5 ³ 7KH ZDWHU PHWHU LV LQ WKH VRIWHQHU YDOYH RXWOHW $V ZDWHU IORZV WKURXJK WKH PHWHU LW VHQGV HOHFWULF SXOVHV WR WKH FRPSXWHU 7KH FRPSXWHU FKDQJHV WKH SXOVHV WR D PHDVXUH LQ JDOORQV RI ZDWHU LV WKH M &20387(5 ³ 7KH FRPSXWHU WR SDUW RI WKH FLUFXLW ERDUG , W LV SURJUDPPHG NQRZ VRIWHQHU·V FDSDFLW\ KRZ PDQ\ JUDLQV RI KDUGQHVV PLQHUDOV LW ZLOO WDNH RXW RI WKH ZDWHU EHIRUH D UHJHQHUDWLRQ LV QHHGHG :KHQ VWDUWLQJ WKH VRIWHQ HU SDJH \RX VHW LW IRU WKH JUDLQV SHU JDOORQ JSJ KDUGQHVV RI WKH ZDWHU 7R ILQG D UHJHQHUDWLRQ SDWWHUQ EHVW IRU \RXU QHHGV WKHFRPSXWHUXVHVZDWHU XVDJHIURP WKHPHWHU  KDUGQHVV VHWWLQJ  VRIWHQHU FDSDFLW\ DQG  WLPH VLQFH WKH ODVW UHJHQHUDWLRQ 7KH FRPSXWHU DOZD\V DGMXVWV WKLV SDWWHUQ WR \RXU ZDWHU XVLQJ KDELWV , W ZRUNV WRZDUG SURYLGLQJ \RX ZLWK VRIW ZDWHU IRU WKH ORQJHVW WLPH DQG WKH PRVW HIILFLHQW VDOW XVDJH 6RIWHQLQJ FDSDFLW\ LV XVHG DV KDUG ZDWHU JRHV WKURXJK WKH VRIWHQHU DQG KDUGQHVV PLQHUDOV DUH UHPRYHG :KHQ WKH FRPSXWHU GHWHUPLQHV WKDW RQO\ HQRXJK FDSDFLW\ UHPDLQV WR SURYLGH VRIW ZDWHU XS WR WKH QH[W UHJHQHUDWLRQ VWDUWLQJ WLPH w oD 127( , I WKH &/($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFNZDVK &/($1 DQG WKH GLVSOD\ DORQJ ZLWK WKH PLQXWHV RI WKH FOHDQ F\FOH UHPDLQLQJ SUHFHGHV WKH UHFKDUJH %NZVK RU 5LQVH IODVKHV LQ 6(&7, 21 $ &$5( 2) <285 62)7(1(5 6$/7}5(), //, 1* 6725$*( 7$1. %5($. , 1* $ 6$/7 %5, '*( VRIWHQHU XVH DOO WKH VDOW EHIRUH UHILOOLQJ :LWKRXW VDOW \RX ZLOO VRRQ KDYH KDUG ZDWHU :+(1 72 5(), // :, 7+ 6$/7 7KH 6DOW 0RQLWRU 6\VWHP VHH SDJH  ZLOO WXUQ RQ WKH ORZ VDOW OLJKW WR ZDUQ \RX ZKHQ WR UHILOO ZLWK VDOW &KHFN IRU D ORZ VDOW OLJKW D IHZ ZHHNV DIWHU \RX LQVWDOO WKH VRIWHQHU DQG HYHU\ ZHHN DIWHU WKDW $OZD\V UHILOO DW DERXW WKH VDOW PRQLWRU OHYHO $W WKLV OHYHO WKH WDQN LV DERXW IXOO 1HYHU OHW WKH 127( <RX ZLOO KDYH D ORVV LQ VRIWHQLQJ FDSDFLW\ DQG PD\ JHW SDUWO\ KDUG ZDWHU LI OHVV WKDQ LQFKHV VDOW PRQLWRU 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 KXPLGLW\ 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 ZDWHU 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 I RU I EHORZ WKH WRS KHLJKW RI WKH ULP 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 VDOW EULGJH E\ SRXQGLQJ RQ WKH RXWVLGH RI WKH VDOW WDQN <RX PD\ GDPDJH LW RXW 7KHQ ILOO WKH WDQN ZLWK QXJJHW RU SHOOHW VDOW RQO\ ), * 6$/7 %5, '*( SXVK WRRO LQWR VDOW EULGJH WR EUHDN µ ï µ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 LV D PXVW IRU WKH VRIWHQHU WR ZRUN ULJKW 7KLV VPDOO XQLW PRYHV EULQH IURP WKH VDOW VWRUDJH WDQN WR WKH UHVLQ WDQN GXULQJ UHJHQHUDWLRQ , 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 WKHQ WXUQ RII WKH FDS IURP WKH QR]]OH DQG YHQWXUL KRXVLQJ 4 349 /LIW RXW WKH VFUHHQ VXSSRUW DQG VFUHHQ WKHQ 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 ORVH WKH ODUJH RULQJ VHDO ), * &/($1, 1* 7+( 12==/( 9(1785, &DS 2ïULQJ 6HDO 6FUHHQ 6XSSRUW 6FUHHQ 1R]]OH 9HQWXUL *DVNHW %H VXUH VPDOO KROHV LQ WKH JDVNHW DUH FHQ WHUHG GLUHFWO\ RYHU WKH VPDOO KROHV LQ WKH QR]]OH YHQWXUL KRXVLQJ , 03257$17 )ORZ 3OXJ ï (3 6FUHHQ &DUHIXOO\ UHSODFH DOO SDUWV LQ WKH FRUUHFW RUGHU /XEULFDWH WKH RULQJ VHDO ZLWK VLOLFRQH JUHDVH RU 9DVHOLQH DQG SODFH LQ SRVLWLRQ , QVWDOO DQG WLJKWHQ WKH FDS E\ KDQG RQO\ 'R QRW RYHUWLJKWHQ DQG EUHDN WKH FDS RU KRXVLQJ )ORZ 3OXJ +9'& 1R]]OH 9HQWXUL +RXVLQJ , QVWDOO %H VXUH WKH ODUJHVW IORZ SOXJ LV ORFDWHG LQ WKH QR]]OH YHQWXUL KRXVLQJ VLGH GRZQ ZLWK QXPEHUHG VLGH XS FRQFDYH <RXU ZDWHU VRIWHQHU WDNHV KDUGQHVV PLQHUDOV FDO FLXP DQG PDJQHVLXP RXW RI WKH ZDWHU $OVR LW FDQ FRQWURO VRPH ´FOHDU ZDWHUµ LURQ 6HH PD[LPXP DOORZHG LQ WKH VSHFLILFDWLRQV RQ SDJH :LWK FOHDU ZDWHU LURQ ZDWHU IURP D IDXFHW LV FOHDU ZKHQ ILUVW SXW LQWR D JODVV $IWHU WR PLQXWHV WKH ZDWHU EHJLQV 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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 \RX PXVW GUDLQ DOO ZDWHU IURP LW WR VWRS SRVVLEOH IUHH]H GDPDJH 7R GUDLQ WKH VRIWHQHU ³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 6HSDUDWH WKH VRIWHQHU IURP WKH DGDS WRUV RU E\SDVV YDOYH 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 DOORZ WKH VRIWHQHU·V ZHLJKW WR UHVWRQ WKHLQOHW DQG RXWOHW ILWWLQJV RU WKH\ ZLOO EUHDN 7LS WKH ERWWRP RI WKH VRIWHQHU XS D IHZ LQFKHV 5HPRYH WKH EULQHZHOO FRYHU DQG GLVFRQQHFW WKH EULQH YDOYH WXELQJ DW WKH QR]]OH DQG YHQWXUL DVVHPEO\ VHH SDJH  /LIW WKH EULQH YDOYH RXW RI WKH EULQHZHOO 7LS WKH EULQH YDOYH XSVLGH GRZQ WR GUDLQ RXW ZDWHU 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 6(&7, 21 ' &$5( 2) <285 62)7(1(5 +(/3)8/ +, 176 &+(&. /, 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 \RXUVHOI DQG \RX ZRQ·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 LQ WKH &255(&7, 21 5HILOO ZLWK VDOW RU EUHDN WKH VDOW EULGJH SDJH  3UHVV 212))+2/' 5(&+$5*( 12: EXWWRQ DQG KROG IRU VHFRQGV WR VWDUW D UHJHQHUDWLRQ VHH SDJH  &KHFN IRU ORVV RI SRZHU GXH WR DQ\ RI WKHVH DQG FRUUHFW :LWK WKH SRZHU EDFN RQ ORRN DW WKH WLPH GLVSOD\ DQG UHDG 352*5$0 0(025< SDJH /RRN DW ), * RQ SDJH 0RYH WKH VWHP LQ D VLQJOH YDOYH WR VHUYLFH , Q D YDOYH E\SDVV RSHQ WKH LQOHW DQG RXWOHW YDOYHV DQG EH VXUH WR IXOO\ FORVH WKH E\SDVV YDOYH VWRUDJH WDQN 7UDQVIRPHU XQSOXJJHG DW WKH ZDOO RXWOHW RU SRZHU FDEOH OHDGV ORRVH IXVH EORZQ FLUFXLW EUHDNHU SRSSHG RU FLUFXLW VZLWFKHG RII 0DQXDO E\SDVV YDOYHV LQ E\SDVV SRVLWLRQ 'LUW\ SOXJJHG RU GDPDJHG QR]]OH YHQWXUL 9DOYH GUDLQ KRVH SOXJJHG 7DNH DSDUW DQG FOHDQ RU UHSODFH GDPDJHG SDUWV VHH SDJH  7KH GUDLQ KRVH PXVW QRW KDYH NLQNV VKDUS EHQGV RU EH UDLVHG WRR KLJK DERYH WKH VRIWHQHU VHH SDJH LQ \RXU LQVWDOODWLRQ PDQXDO :$7(5 +$5' 620(7, 0(6 +DUGQHVV QXPEHU VHWWLQJ WRR ORZ UHVHW 3UHVV DQG UHOHDVH WKH 6(/(&7 EXWWRQ XQWLO WKH SUHVHQW WLPH VKRZV LQ WKH GLVSOD\ 8VLQJ KRW ZDWHU ZKHQ VRIWHQHU LV $YRLG XVLQJ KRW ZDWHU GXULQJ WKLV WLPH EHFDXVH WKH UHJHQHUDWLQJ ZDWHU KHDWHU UHILOOV ZLWK KDUG ZDWHU VHH $XWRPDWLF %\SDVV SDJH  , QFUHDVH LQ WKH JUDLQV RI KDUGQHVV LQ $VN \RXU 6HDUV UHWDLO RU FDWDORJ VWRUH IRU D QHZ ZDWHU \RXU ZDWHU VXSSO\ DQDO\VLV 7KHQ PDNH D QHZ KDUGQHVV QXPEHU VHWWLQJ SDJH  3UHVV DQG UHOHDVH WKH 6(/(&7 EXWWRQ XQWLO +$5'1(66 VKRZV LQ WKH GLVSOD\ 5HDG WKH KDUGQHVV QXPEHU LQ WKH GLVSOD\ DQG EH VXUH WKH VDPH JUDLQV SHU JDOORQ QXPEHU LV VKRZQ RQ \RXU ZDWHU DQDO\VLV UHSRUW 6HH SDJH WR 6(&7, 21 $ ), * %<3$66 9$/9(6 27+(5 7+, 1*6 72 . 12: ', 0(16, 21663(&, ), &$7, 216 $ % & ' ( ) ) 6DOW 7DQN +HLJKW 5HVLQ 7DQN 'LDPHWHU QRPLQDO 5HVLQ 7DQN +HLJKW QRPLQDO , QOHW2XWOHW +HLJKW 2YHUDOO +HLJKW /HQJWK :LGWK , 1&+(6 02'(/ 12 'LVWDQFH EHWZHHQ LQOHWRXWOHW FHQWHU OLQHV &0 $1' 7, 0(5 65 &2'( $# 127( 3OHDVH VHH WKH UDWLQJ GHFDO IRU ZDWHU VRIWHQHU 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  :$7(5 6833/< 72 :$7(5 62)7(1(5 0, 1, 080 :$7(5 6<67(0 )/2: JSP 0, 1, 0800$;, 080 :$7(5 35(6685( SVL 0$;, 080 :$7(5 7(03(5$785( ) 0$;, 080 :$7(5 +$5'1(66 JSJ 0$;080 k&/($5 :$7(5l , 521 SSP 6$/7 )25 :$7(5 62)7(1(5 7<3( 2) 6$/7 1(('(' 1XJJHW3HOOHW $/7(51$7( 7<3( 2) 6$/7 3XUH HYDSRUDWHG FRPSDFWHG ZDWHU VRIWHQHU VDOW 6725$*( &$3$&, 7< SRXQGV 27+(56 ), // 7<3( 2) , 21 (;&+$1*( 0$7(5, $/ UHVLQ $02817 2) 5(6, 1 FXIW %5, 1, 1*%5, 1( 5, 16( %$&. :$6+ )$67 5, 16( 727$/ 5(*(1(5$7, 21 7, 0( JSP JDOORQV SHU PLQXWH JUDLQV SHU JDOORQ +LJK &DSDFLW\ 5(*(1(5$7, 21 5(&+$5*( &<&/( 7, 0( PLQ o SRXQGV SHU VTXDUH SDUWV SHU PLOOLRQ LQFK SVL SSP o JSJ 'RHV QRW LQFOXGH &/($1 IHDWXUH F\FOH WLPHV LI VHW WR 21          !"#$          ! "#                !"# $ "%&    "'"( )*+( , -+*. [. . . ] ?o 1R]]OH 9HQWXUL $VV\ , QFOXGHV . H\ 1RV DQG WKURXJK  3DUWV %DJ 0RGHO 1R , QFOXGHV SDUWV PDUNHG ZLWK D SDJHV  RUGHU PDQX DOV VHSDUDWHO\ LI QHHGHG 3DUWV %DJ 0RGHO 1R LQFO SDUWV PDUNHG ZLWK D SDJHV  RUGHU PDQXDOV VHS DUDWHO\ LI QHHGHG 6HDO . LW , QFOXGHV . H\ 1RV 25LQJ / ? %<3$66 , 167$//$7, 21 9$/9( 02'(/ 12 . (< 3$57 12 180%(5 < 5HWDLQHU 5LQJ %\SDVV %RG\ 25LQJ [ UHT 6WHP 25LQJ [ UHT %\SDVV 9DOYH &RPSOHWH '(6&5, 37, 21 ?o 2:1(5·6 0$18$/ 02'(/ 126 'HOX[H 'HPDQG :DWHU 6RIWHQHUV )RU WKH UHSDLU RU UHSODFHPHQW SDUWV \RX QHHG GHOLYHUHG GLUHFWO\ WR \RXU KRPH &DOO DP ï SP GD\V D ZHHN ï ï ï 3$57 ï ï ï  )RU LQïKRPH PDMRU EUDQG UHSDLU VHUYLFH 7KH PRGHO QXPEHU RI \RXU ZDWHU VRIWHQHU LV &DOO KRXUV D GD\ GD\V D ZHHN ï ï ï 5(3$, 5 ï ï ï  5(3$, 5 6(59, &(6 IRXQG RQ WKH UDWLQJ GH FDO 7KLV GHFDO LV RQ WKH ULP XQGHU WKH VDOW FRYHU )RU WKH ORFDWLRQ RI D 6HDUV 3DUWV DQG 5HSDLU &HQWHU LQ \RXU DUHD :KHQ UHTXHVWLQJ VHUYLFH RU RUGHULQJ SDUWV DOZD\V SURYLGH WKH IROORZLQJ LQ IRUPDWLRQ &DOO KRXUV D GD\ GD\V D ZHHN ï ï ï 5(3$, 5 6(59, &(6 )RU LQIRUPDWLRQ RQ SXUFKDVLQJ D 6HDUV 0DLQWHQDQFH $JUHHPHQW RU WR LQTXLUH DERXW DQ H[LVWLQJ $JUHHPHQW < < < < 3URGXFW 7\SH 0RGHO 1XPEHU 3DUW 1XPEHU 3DUW 'HVFULSWLRQ &DOO DP ï SP 0RQGD\ ï 6DWXUGD\ ï ï ï $PHULFD·V 5HSDLU 6SHFLDOLVWV 6HDUV 5RHEXFN DQG &R +RIIPDQ (VWDWHV , / 86$  [. . . ]