Operator's Manual


)LOOLQJ WKH )XHO 7DQN ZLWK
*DVROLQH
)RU EHVW UHVXOWV XVH FOHDQ IUHVK OHDGIUHH JDVROLQH
LQFOXGLQJ R[\JHQDWHG RU UHIRUPXODWHG JDVROLQH ZLWK DQ
RFWDQH UDWLQJ RI  RU KLJKHU 7R HQVXUH IUHVKQHVV
SXUFKDVH RQO\ WKH TXDQWLW\ RI JDVROLQH WKDW \RX H[SHFW WR
XVH LQ  GD\V 8VLQJ XQOHDGHG JDVROLQH UHVXOWV LQ IHZHU
FRPEXVWLRQ GHSRVLWV DQG ORQJH U VSDUN SOXJ OLIH <RX PD\
XVH OHDGHG JDVROLQH LI XQOH DGHG JDVROLQH LV QRW DYD LODEOH
,PSRUWDQW 'R QRW DGG RLO WR WKH JDVROLQH
,PSRUWDQW 'R QRW XVH PHWKDQRO JDVROLQH FRQWDLQLQJ
PHWKDQRO JDVRKRO FRQWDLQLQJ PRUH WKDQ  HWKDQRO
SUHPLXP JDVROLQH RU ZKLWH JDV 8VLQJ WKHVH IXHOV FDQ
GDPDJH WKH HQJLQH·V IXHO V\VWHP
,PSRUWDQW 'R QRW XVH JDVROLQH WKDW LV PRUH WKDQ 
GD\V ROG
'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 DQG
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  WR
 LQ  WR  PP EHORZ WKH ERWWRP RI WKH
ILOOHU QHFN 7KLV HPSW\ VSDFH LQ WKH WDQN DOORZV
WKH JDVROLQH WR H[SDQG
 1HYHU VPRNH ZKHQ KDQGOLQJ JDVROLQH DQG VWD\
DZD\ IURP DQ RSHQ IODPH RU ZKHUH D VSDUN PD\
LJQLWH WKH JDVROLQH IXPHV
 6WRUH JDVROLQH LQ DQ DSSURYHG IXHO FRQWDLQHU
DQG NHHS LW RXW RI WKH UHDFK RI FKLOGUHQ
 1HYHU EX\ PRUH WKDQ D GD\ VXSSO\ RI
JDVROLQH
'DQJHU
:KHQ IXHOLQJ XQGHU FHUWDLQ FLUFXPVWDQFHV D
VWDWLF FKDUJH FDQ GHYHORS LJQLWLQJ WKH JDVROLQH $
ILUH RU H[SORVLRQ IURP JDVROLQH FDQ EXUQ \RX DQG
RWKHUV DQG GDPDJH SURSHUW\
 $OZD\V SODFH JDVROLQH FRQWDLQHUV RQ WKH JURXQG
DQG 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 JDVROLQH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 QRW IURP D JDVROLQH GLVSHQVHU QR]]OH
 ,I \RX PXVW XVH D JDVROLQH GLVSHQVHU QR]]OH
NHHS WKH QR]]OH LQ FRQWDFW ZLWK WKH ULP RI WKH
IXHO WDQN RU FRQWDLQHU RSHQLQJ DW DOO WLPHV XQWLO
IXHOLQJ LV FRPSOHWH
8VH D IXHO VWDELOL]HUFRQGLWLRQHU UHJXODUO\ GXULQJ
RSHUDWLRQ DQG VWRUDJH $ VWDELOL]HUFRQGLWLRQHU FOHDQV WKH
HQJLQH GXULQJ RSHUDWLRQ DQG SUHYHQWV JXPOLNH YDUQLVK
GHSRVLWV IURP IRUPLQJ LQ WKH HQJLQH GXULQJ SHULRGV RI
VWRUDJH
,PSRUWDQW 'R QRW XVH IXHO DGGLWLYHV RWKHU WKDQ D IXHO
VWDELOL]HUFRQGLWLRQHU 'R QRW XVH IXHO VWDELOL]HUV ZLWK DQ
DOFRKRO EDVH VXFK DV HWKDQRO PHWKDQRO RU LVRSURSDQRO
 &OHDQ DURXQG WKH IXHO WDQN FDS )LJ 


)LJXUH 
 5HPRYH WKH IXHO WDQN FDS )LJ 
 )LOO WKH IXHO WDQN ZLWK XQOHDGHG JDVROLQH WR ZLWKLQ 
WR  LQ  WR  PP  IURP WKH WRS RI WKH WDQN 'R
QRW ILOO LQWR WKH ILOOHU QHFN
 ,QVWDOO WKH IXHO WDQN FDS DQG ZLSH XS DQ\ VSLOOHG
JDVROLQH