User manual KENMORE 625.388460

[. . . ] 2:1(5·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 SHU PLQXWH ZDWHU IORZ UDWH WKURXJK WKH VRIWHQHU LI QRW DOUHDG\ GLVSOD\HG SUHVV WKH 6(/(&7 EXWWRQ , I VRIW ZDWHU LV EHLQJ XVHG WKH IORZ UDWH WR WKH FORVHVW JDOORQ RU OL WHUV VKRZV , I DOO IDXFHWV DQG ZDWHU XVLQJ DS SOLDQFHV DUH RII WKH GLVSOD\ ZLOO VKRZ IORZ 6$/76, *1$/ /(9(//(9(/ 326, 7, 21 , 1', &$7256 2QH RI WKH YDOYH SRVLWLRQ LQGLFDWRUV 6HUY )LOO %ULQH %NZVK 5LQVH LV GLVSOD\HG ZKLOH WKH VRIWHQHU LV UH FKDUJLQJ 6HH 1RWH RQ SDJH LI WKH &/($1 IHD WXUH LV 21 5(&+$5*( IODVKHV LQ WKH GLVSOD\ DQG EHJLQQLQJ ZLWK %ULQH WKH PLQXWHV RI UHFKDUJH UH PDLQLQJ EHIRUH UHWXUQ WR VHUYLFH DSSHDUV LQ SODFH RI WKH SUHVHQW WLPH :KHQ WKH YDOYH LV PRYLQJ IURP RQH F\FOH WR DQRWKHU ERWK SRVLWLRQ LQGLFDWRUV DUH IODVKLQJ YDOYH SRVLWLRQ LQGLFDWRUV 6$/76, *1$/ /(9(//(9(/ 6HUY )LOO %NZVK 5LQVH %ULQH 0, 1 5(&+$5*( 7, 0( 5(0$, 1, 1* UHFKDUJH WLPH UHPDLQLQJ 30 352*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 UHVHW WLQJ 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 +RZHY HU UHJHQHUDWLRQV PD\ RFFXU DW WKH ZURQJ WLPH RI GD\ XQWLO \RX UHVHW WKH WLPHU WR WKH FRUUHFW WLPH RI GD\ *30 )/2: 5$7( $9(5$*( '$, /< *$//216 RU /, 7(56 3UHVV WKH 6(/(&7 EXWWRQ DJDLQ WR VKRZ WKH DYHU DJH QXPEHU RI JDOORQV RU OLWHUV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·6 8/75$ &/($16, 1* )($785( 8OWUD6RIW RQO\ 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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´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 ), *  $V KDUG ZDWHU SDVVHV WKURXJK WKH EHG HDFK EHDG DW WUDFWV DQG KROGV WKH KDUGQHVV PLQHUDOV 7KLV LV FDOOHG LRQH[FKDQJLQJ , W LV PXFK OLNH D PDJQHW DW WUDFWLQJ DQG KROGLQJ PHWDOV :DWHU ZLWKRXW WKH KDUGQHVV PLQHUDOV VRIW ZDWHU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hr ih 287 uhq hr , 1 ), * :DWHU )ORZ 7KURXJK WKH 6RIWHQHU LQ )LOO s hr 287 yr É rv qhv uhq hr , 1 ivr hyr hy htr hx ivr hyr ivr %$&. :$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 ), * svyy hr KDUG hr ih 287 :DWHU )ORZ 7KURXJK WKH 6RIWHQHU LQ %DFNZDVK uhq hr , 1 %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 UHVLQ LQ WKH VRIWHQHU KRZ IDVW WKH EULQH JRHV WKURXJK WKH EHG 7KH QR]]OH DQG YHQWXUL ), *  PDNH 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 qhv rv irq yvsrq hq rhqrq 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 +2: <285 :$7(5 62)7(1(5 :25. 6 (/(&7521, &6 7ZR PDLQ SDUWV RI WKH VRIWHQHU·V HOHFWURQLFV DUH o D :$7(5 0(7(5 DQG w D &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 w &20387(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 KRXU UHJHQHUDWLRQ 1RWH , I WKH &/($1 IHDWXUH LV VHW WR 21 D FOHDQLQJ EDFN ZDVK &/($1 DQG %NZVK RU 5LQVH IODVKHV LQ WKH GLV SOD\ DORQJ ZLWK WKH PLQXWHV RI WKH FOHDQ F\FOH UH PDLQLQJ SUHFHGHV WKH UHFKDUJH % 62)7 :$7(5 6(59, &( DQG 5(*(1(5$7, 21 IORZ RI ZDWHU GRZQ WKURXJK WKH UHVLQ WDQN 7KH IDVW IORZ SDFNV WKH UHVLQ EHG DQG JHWV LW UHDG\ IRU UHWXUQ WR VHUYLFH ), * 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 7KHQ UHJHQHUDWLRQ ZLOO VWDUW DQG HQG WKDW PXFK HDUOLHU DQG \RXU ZDWHU KHDWHU ZLOO QRW UH ILOO ZLWK KDUG ZDWHU LI D KRW IDXFHW LV RSHQHG 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 &$5( 2) <285 :$7(5 62)7(1(5 WDQN LV DERXW IXOO VHH QRWH RQ SDJH  1HYHU OHW WKH VRIWHQHU XVH DOO WKH VDOW EHIRUH UHILOOLQJ :LWK RXW VDOW \RX ZLOO VRRQ KDYH KDUG ZDWHU $IWHU ILOOLQJ UHVHW WKH 6DOW 0RQLWRU 6\VWHP SDJH 1RWH <RX ZLOO KDYH D ORVV LQ VRIWHQLQJ FDSDFLW\ DQG PD\ JHW SDUWO\ KDUG ZDWHU LI OHVV WKDQ LQFKHV VDOW PRQ LWRU OHYHO  RI VDOW LV LQ WKH VWRUDJH WDQN $ 6$/7 $'', 1* 6$/7 72 6725$*( 7$1. 6$/7 %5, '*( 6 ( & 7 , 2 1 :+(1 72 $'' 6$/7 7KH 6DOW 0RQLWRU 6\VWHP VHH SDJH 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 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 s RU s 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 'R QRW WU\ WR EUHDN WKH VDOW EULGJH E\ SRXQGLQJ RQ WKH RXWVLGH RI WKH VDOW 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\ µ µ 6DOW %ULGJH SHQFLO PDUN EURRP KDQGOH VDOW VDOW EULGJH ZDWHU OHYHO 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 &$5( 2) <285 :$7(5 62)7(1(5 % . ((3, 1* 7+( :$7(5 62)7(1(5 &/($1 12==/( 9(1785, ), * &OHDQLQJ 1R]]OH 8h 9HQWXUL $ 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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vt Trhy Tprr T Tprr Iyr É Wrv Bhxr 7r r hyy uyr v ur thxr hr FHQ WHUHG GLUHFWO\ RYHU ur hyy uyr v ur yr É rv uvt , 03257$17 Ay Qyt Tprr Ay Qyt CW98 Iyr É Wrv Cvt , QVWDOO ZLWK QXPEHUHG VLGH XS FRQFDYH VLGH GRZQ 7r r ur yhtr sy yt vu ur yhtr uyr v yphrq v ur yr É rv uvt , 521 )520 5(6, 1 %(' <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 DO ORZHG 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 EH 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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 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 IORRU GUDLQ ZRRG EORFN /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 DOORZ WKH VRIWHQHU·V ZHLJKW WR UHVW RQ WKH LQOHW DQG RXWOHW ILWWLQJV RU WKH\ ZLOO 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 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 &$5( 2) <285 :$7(5 62)7(1(5 ' &+(&. /, 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·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b RU '2:1 d EXWWRQ :KHQ +) VKRZV SUHVV 6(/(&7 WR UHWXUQ D IODVK LQJ $0 GLVSOD\ 5HVHW WKH SUHVHQW WLPH KDUGQHVV QXPEHU HWF SDJHV DQG 352%/(0 1R VRIW ZDWHU &$86( &255(&7, 21 :DWHU KDUG VRPHWLPHV 1R VDOW RU VDOW EULGJHG LQ WKH VWRUDJH WDQN $GG VDOW RU EUHDN WKH VDOW EULGJH SDJH  3UHVV 212))+2/' 5(&+$5*( 12: EXWWRQ DQG KROG IRU VHFRQGV WR VWDUW D UHJHQHUDWLRQ VHH SDJH  7UDQVIRUPHU XQSOXJJHG DW WKH ZDOO RXWOHW &KHFN IRU ORVV RI SRZHU GXH WR DQ\ RI WKHVH RU SRZHU FDEOH OHDGV ORRVH IURP WKH DQG FRUUHFW :LWK WKH SRZHU EDFN RQ ORRN DW HOHFWURQLF ERDUG IXVH EORZQ FLUFXLW WKH WLPH GLVSOD\ DQG UHDG 352*5$0 EUHDNHU SRSSHG RU FLUFXLW VZLWFKHG RII 0(025< SDJH 0DQXDO E\SDVV YDOYHV 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 RXWOHW YDOYHV DQG EH VXUH WR IXOO\ FORVH WKH E\SDVV YDOYH 'LUW\ SOXJJHG RU GDPDJHG QR]]OH 7DNH DSDUW DQG FOHDQ RU UHSODFH GDPDJHG YHQWXUL SDUWV VHH SDJH  9DOYH GUDLQ KRVH SOXJJHG 7KH GUDLQ KRVH PXVW QRW KDYH NLQNV VKDUS EHQGV RU EH UDLVHG WRR KLJK DERYH WKH VRIWHQHU VHH SDJH LQ \RXU LQVWDOODWLRQ PDQXDO +DUGQHVV QXPEHU VHWWLQJ WRR ORZ 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 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 UHJHQHUDWLQJ WKH ZDWHU KHDWHU UHILOOV ZLWK KDUG ZDWHU VHH $XWRPDWLF %\SDVV SDJH  , QFUHDVH LQ WKH JUDLQV RI KDUGQHVV LQ \RXU $VN \RXU 6HDUV UHWDLO VWRUH IRU D QHZ ZDWHU ZDWHU VXSSO\ DQDO\VLV 7KHQ PDNH D QHZ KDUGQHVV QXPEHU VHWWLQJ SDJH  3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 . 12: $%287 <285 :$7(5 62)7(1(5 $ ', 0(16, 216 63(&, ), &$7, 216 %<3$66 9$/9(6 6 ( & 7 , 2 1 ), * ) ), * %\SDVV YDOYHV VKRXOG DOZD\V UHPDLQ LQ VRIW ZDWHU VHUYLFH SRVLWLRQ 3RVLWLRQ LQ ´E\SDVVµ RQO\ LI QHHGHG IRU VRIWHQHU UHSDLUV 6, 1*/( %<3$66 % $ & ' ( QVGG 287 s VHUYLFH QVTC , 1 s E\SDVV $ % & ' ( ) ) ³ 6DOW 7DQN +HLJKW 5HVLQ 7DQN 'LDPHWHU QRPLQDO 5HVLQ 7DQN +HLJKW QRPLQDO , QOHW2XWOHW +HLJKW 2YHUDOO +HLJKW /HQJWK :LGWK 'LVWDQFH EHWZHHQ LQOHW RXWOHW FHQWHU OLQHV , QFKHV &0 9$/9( %<3$66 pyr ih hyr r vyr É yr hyr r ih hyr pyr vyr É yr hyr )25 %<3$66 )25 6(59, &( 7h Whyr Dyr Whyr Pyr Whyr 02'(/ 126 7, 0(5 +) &2'( +) 1RWH 3OHDVH VHH WKH UDWLQJ GHFDO IRU RSHUDWLQJ FDSDFLW\ VDOW XVDJH DQG VHUYLFH IORZ UDWHSUHVVXUH 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 :$7(5 62)7(1(5 Hvv hr r sy t HvvHh hr rr v HvvHh hr rrhr ) Hhv hr uhqr tt Hhv ¶¶pyrh hr·· v " ! ttr ryyr r rhhrq p hprq hr srr hy 6$/7 )25 :$7(5 62)7(1(5 Ur s hy rrqrq 6yrhr r s hy 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 6(&7, 21 . 12: $%287 <285 :$7(5 62)7(1(5 $ ', 0(16, 216 63(&, ), &$7, 216 JSP # SVL 27+(5 63(&, ), &$7, 216 7\SH RI LRQ H[FKDQJH PDWHULDO UHVLQ $PRXQW RI UHVLQ FX IW (IILFLHQF\ 5DWLQJ JUOE DW OE VDOW GRVH 0D[ 'UDLQ )ORZ 5DWH JSP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 , I DQ HUURU FRGH ([DPSOH (UU VKRZV LQ WKH IDFHSODWH GLVSOD\ JR WR $8720$7, & (/(& 7521, & ', $*1267, &6 SDJH  3OXPELQJ E\SDVV YDOYHV PXVW EH IXOO\ LQ VHU YLFH SRVLWLRQ 7KH LQOHW DQG RXWOHW SLSHV PXVW FRQQHFW WR WKH VRIWHQHU LQOHW DQG RXWOHW UHVSHFWLYHO\ , V WKH WUDQVIRUPHU SOXJJHG LQWR D ´OLYHµ JURXQGHG ZDOO RXWOHW DQG WKH SRZHU FDEOH IDV WHQHG VHFXUHO\ WR WKH FRQWUROOHU" 7KH YDOYH GUDLQ KRVH PXVW EH IUHH RI NLQNV DQG VKDUS EHQGV DQG QRW HOHYDWHG RYHU IW DERYH WKH IORRU 5HPRYH WKH WRS FRYHU DQG VDOW WDQN FRYHU , V WKHUH VDOW LQ WKH VWRUDJH WDQN" , V WKH EULQH WXELQJ FRQQHFWHG" 6HH ZDWHU IORZ GLDJUDPV SDJH  , V WKH EULQH YDOYH IORDW VHW ULJKW" 6HH SDJH  3UHVV WKH 6(/(&7 EXWWRQ WZR WLPHV WR GLVSOD\ WKH KDUGQHVV VHWWLQJ %H VXUH LW LV WKH FRUUHFW VHW WLQJ IRU WKH KRXVHKROG·V ZDWHU VXSSO\ 0DNH D KDUGQHVV WHVW RI WKH UDZ ZDWHU DQG FRPSDUH ZLWK WKH KDUGQHVV VHWWLQJ $OVR WHVW D VRIW ZDWHU VDP SOH WR YHULI\ LI D SUREOHP H[LVWV 3UHVV WKH 6( /(&7 EXWWRQ WZLFH PRUH WR UHWXUQ WR SUHVHQW WLPH LQ WKH GLVSOD\ , I \RX GR QRW ILQG WKH SUREOHP DIWHU PDNLQJ LQLWLDO FKHFNV GR WKH 0$18$/ , 1, 7, $7(' (/(& 7521, & ', $*1267, &6 DQG WKH 0$18$/ $' 9$1&( 5(*(1(5$7, 21 &+(&. [. . . ] - , QFOXGHV IRO ORZLQJ SDUWV 6WHP 2ULQJ , ' [ 2'  %\SDVV %RG\ &ULQJ 3UREOHPV 4XHVWLRQV" &DOO . HQPRUH :DWHU /LQH 2:1(5·6 0$18$/ 02'(/ 12V 8OWUD6RIW 8OWUD6RIW :DWHU 6RIWHQHUV )RU WKH UHSDLU RU UHSODFHPHQW SDUWV \RX QHHG GHOLYHUHG GLUHFWO\ WR \RXU KRPH &DOO DP SP GD\V D ZHHN 3$57  )RU LQ KRPH PDMRU EUDQG UHSDLU VHUYLFH &DOO KRXUV D GD\ GD\V D ZHHN 7KH PRGHO QXPEHU RI \RXU ZDWHU VRIWHQHU LV IRXQG RQ WKH UDWLQJ GH FDO 7KLV GHFDO LV RQ WKH ULP XQGHU WKH VDOW FRYHU :KHQ UHTXHVWLQJ VHUYLFH RU RUGHULQJ SDUWV DOZD\V SURYLGH WKH IROORZLQJ LQ IRUPDWLRQ 5(3$, 5  5(3$, 5 6(59, &(6 )RU WKH ORFDWLRQ RI D 6HDUV 3DUWV DQG 5HSDLU &HQWHU LQ \RXU DUHD &DOO KRXUV D GD\ GD\V D ZHHN 5(3$, 5 6(59, &(6 ` ` ` ` 3URGXFW 7\SH 0RGHO 1XPEHU 3DUW 1XPEHU 3DUW 'HVFULSWLRQ )RU LQIRUPDWLRQ RQ SXUFKDVLQJ D 6HDUV 0DLQWHQDQFH $JUHHPHQW RU WR LQTXLUH DERXW DQ H[LVWLQJ $JUHHPHQW &DOO DP SP 0RQGD\ 6DWXUGD\ ZZZ. HQPRUH:DWHUFRP $PHULFD·V 5HSDLU 6SHFLDOLVWV 6HDUV 5RHEXFN DQG &R +RIIPDQ (VWDWHV , / 86$ [. . . ]