681 VHULHV $XWRFODYH FODVV %

2SHUDWLRQ 0DQXDO

7KLV PDQXDO DSSOLHV WR 681Ċǃ681Ċǃ681Ċǃ681Ċǃ

681Ċ DXWRFODYH

5(9(
 &RQWHQW
ǃ*HQHUDO ,QWURGXFWLRQ «««««««««««««««

ǃ$SSOLFDWLRQ 6FRSH ««««««««««««««««

ǃ7HFK 3DUDPHWHU«««««««««««««««««

ǃ'LDJUDP 6SHFLILFDWLRQ «««««««««««««««

ǃ,QVWDOODWLRQ «««««««««««««««««««

ǃ&RQWURO 3DQHO««««««««««««««««««

ǃ2SHUDWLRQ ««««««««««««««««««««

ǃ(PHUJHQF\ &RQGLWLRQ«««««««««««««««

ǃ0DLQWHQDQFH DQG 6HUYLFH««««««««««««««

ǃ7UDQVSRUWDWLRQ DQG 6WRUDJH«««««««««««««

ǃ$WWHQWLRQ««««««««««««««««««««

ǃ3DFNLQJ RI DFFHVVRU\«««««««««««««««

ǃ$SSHQGL[«««««««««««««««««««

12 7KH ZRUNLQJ VWDWXV GLVSOD\ WDEOH

12 9DFXXP DQG % ' WHVW PHWKRG

12 &LUFXLW GLDJUDP RI VWHULOL]HU

12 6WHDP ORRS

 681 VHULHV $XWRFODYHFODVV %
ˊ*HQHUDO ,QWURGXFWLRQ
7KLV $XWRFODYH LV D SUHFLVLRQ LQVWUXPHQW VSHFLDOL]LQJ LQ WKH RSHUDWLRQ RFFDVLRQ LQ
QHHG RI VLPSOH IDVW DQG HIILFLHQW VWHULOL]DWLRQ E\ WKH GRFWRU RU KLVKHU DVVLVWDQWV
DQG WKH GRFWRU VKDOO WDNH WKH UHVSRQVLELOLW\ IRU VXFK ZRUN
7KLV $XWRFODYH LV VSHFLDOO\ GHVLJQHG IRU WKH RFFDVLRQV LQ XVH RI IUHTXHQW
VWHULOL]DWLRQV ,W LV HTXLSSHG ZLWK WKH PLFURSURFHVVRU IRU LQWHOOLJHQW FRQWURO DQG
PDQPDFKLQH LQWHUIDFH IRU FRQYHQLHQW RSHUDWLRQ :LWK WKH GLVWLQFWLRQV LQ
GLVSOD\LQJ SDUDPHWHU DQG FRQGLWLRQ DFWLYHO\ HYDOXDWLQJ PDOIXQFWLRQ DXWRPDWLFDOO\
VKXWWLQJ RII IRU VHOISURWHFWLRQ DXWRPDWLFDOO\ LQ FDVH RI H[FHVVLYH WHPSHUDWXUH DQG
SUHVVXUH WKLV W\SH DXWRFODYH LV UHOLDEOH SURGXFW LQ VWHULOL]LQJ

 3RZHU VRXUFH VRFNHW  )XVH

 :DWHU H[LW RI ZDWHU WDQN  :DVWH ZDWHU H[LW

ˊ$SSOLFDWLRQ 6FRSH
7KH DXWRFODYH FRXOG VWHULOL]H ˄  ć RU  ć ˅ WKH WRRWK RSHUDWLRQ GHYLFH
6DQLWDU\ PDWHULDO DQG RWKHU KHDWUHVLVWLQJ DUWLFOHV RI WKH 'HSW OLNH 6WRPDWRORJ\
2SKWKDOPRORJ\ DQG /DE 1RW IRU OLTXLG KHUPHWLFDO GHYLFH¶V VWHULOL]DWLRQ

ˊ7HFK 3DUDPHWHU
&KDPEHU VL]H RI WKH DXWRFODYH 'LDPHWHU ; 'HSWK /««PP;PP
&KDPEHU VL]H RI WKH DXWRFODYH 'LDPHWHU ; 'HSWK /««PP;PP
&KDPEHU VL]H RI WKH DXWRFODYH 'LDPHWHU ; 'HSWK /««PP;PP
&KDPEHU VL]H RI WKH DXWRFODYH 'LDPHWHU ; 'HSWK /««PP;PP
5DWHG 9ROWDJH«««««««««««««««9f9 +]f+]
«««««««««««««««9f9 +]f+]
5DWHG 3RZHU«««««««««««««««9$ 9$
6WHULOL]LQJ 3UHVVXUHWHPS«««««««««««««.3DϨ&
.3DϨ&
%RWK RI DERYH DUH XQGHU 6WDQGDUG $WPRVSKHULF 3UHVVXUH
)XVH0HOWLQJ SLSH««««««««« «« 7$ 7$
&DSDFLW\ RI ZDWHU WDQN«««««««««««««««««««««/
3UREDEOH ZDWHU FRQVXPSWLRQ RI RQH F\FOH «««««««««««  /
(QYLURQPHQW WHPSHUDWXUH RI RSHUDWH««««««««««««««Ϩ&
ˊ'LDJUDP 6SHFLILFDWLRQ

$WWHQWLRQ DQG ZDUQLQJ , 6RUW % PRGHO GHYLFH

3URWHFWLYH *URXQGLQJ

ˊ,QVWDOODWLRQ
7KH FOHDUDQFH EHWZHHQ WKH H[WHULRU VLGH VXUIDFH RI WKH DXWRFODYH DQG WKH DPELHQW
QHLJKERULQJ DUWLFOHV VKDOO EH FP DV UHWDLQHG DQG WKH WRS VXUIDFH VKDOO EH FP
UHWDLQHG

7KH DLUFRROLQJ ZLQGRZ DWWDFKHG WR WKH H[WHULRU VXUIDFH RI WKH DXWRFODYH VKDOO EH
QRQFORJ E\ GXVW RU DUWLFOHV DQG WKH DXWRFODYH VKDOO EH ORFDWHG LQ WKH SURSHU DLU
IORZLQJ HQYLURQPHQW E\ UHFRPPHQGDWLRQ RI WKH VXSSOLHU

$XWRFODYH VKDOO EH LQVWDOOHG RQ WKH KRUL]RQWDO ZRUNLQJ EDVH SFV IURQW IHHW
FDQ EH DGMXVWHG WKH KHLJKW WR HQVXUH WKH IURQW RI PDFKLQH VOLJKWO\ KLJKHU WKDQ
WKH EDFN
 35(3$5$7,21 %()25( 23(5$7,21
%HIRUH RSHUDWLRQ SOHDVH FRQQHFW ZHOO WR WKH SRZHU &RQQHFW WKH SRZHU VRXUFH
KROH XQGHU WKH OHIW EDFN VLGH RI WKH DXWRFODYH E\ WKH DWWDFKHG SOXJ LQVLGH WKH
FKDPEHU WXUQ RQ WKH DXWRFODYH E\ WKH EXWWRQ DW WKH IURQW ULJKW ERWWRP FRUQHU
ZKHQ WKH VZLWFK LQGLFDWRU OLJKW LV RQ LW PHDQV WKDW WKH DXWRFODYH JHW WKURXJK ZLWK
WKH HOHFWULF SRZHU DQG WKH ZLQGRZ ZRXOG GLVSOD\LQJ ³/'´


ˊ&RQWURO 3DQHO

 3UHVVXUH GLVSOD\
'LVSOD\ RQ WLPH WKH DLU SUHVVXUH LQVLGH WKH
FKDPEHU
8QLW.3D

 7HPSHUDWXUH GLVSOD\
'LVSOD\ RQ WLPH WKH WHPSHUDWXUH LQVLGH WKH FDYLW\
8QLW ž&

 6WDWXV (UURU FRGH QXPEHU GLVSOD\

$SSOLHG IRU GLVSOD\LQJ NLQGV RI VWDWXV RI WKH
DXWRFODYH GXULQJ LWV ZRUNLQJ WLPH 6HH PRUH
GHWDLOV LQ ³$SSHQGL[ ZRUNLQJ VWDWXV GLVSOD\ IRUP´
:KHQ DODUP RFFXUV WR WKH DXWRFODYH WKH GLJLWDO
SLSH RI WKH GLVSOD\ ZLOO VKRZ WKH DODUP FRGH
QXPEHU WKH XVHU FDQ ILQG RXW WKH PDOIXQFWLRQ
SDUW2QFH WKH PDOIXQFWLRQ RFFXUULQJ WR WKH
DXWRFODYH SOHDVH FRQWDFW WKH VHUYLFH
FHQWHU RU GLVWULEXWRU LPPHGLDWHO\

ǃ81:5$33(' EXWWRQ
,W¶V XVHG WR WKH VWHULOL]DWLRQ
FKRLFH HVSHFLDOO\ IRU WKH XQZUDSSHG
GHYLFHV 7KH ZRUNLQJ WHPSHUDWXUH
LV ž& RU ž&
$IWHU KDYLQJ EHHQ VHOHFWHG LWV LQGLFDWRU
OLJKW LV RQ

ǃ:5$33(' EXWWRQ
,W¶V XVHG WR EH WKH VWHULOL]DWLRQ FKRLFH HVSHFLDOO\ IRU WKH ZUDSSHG GHYLFHV 7KH
ZRUNLQJ WHPSHUDWXUH LV ž& RU ž&
$IWHU KDYLQJ EHHQ VHOHFWHG LWV LQGLFDWRU OLJKW LV RQ
ǃ&27721 EXWWRQ
,W¶V XVHG WR EH WKH VWHULOL]DWLRQ FKRLFH HVSHFLDOO\ IRU WKH FRWWRQ \DUQ GHYLFHV 7KH
ZRUNLQJ WHPSHUDWXUH LV ž&
$IWHU KDYLQJ EHHQ VHOHFWHG LWV LQGLFDWRU OLJKW LV RQ

ǃ3/$67,& EXWWRQ
,W¶V XVHG WR EH WKH VWHULOL]DWLRQ FKRLFH HVSHFLDOO\ IRU WKH SODVWLF DQG WKH UXEEHU
GHYLFHV 7KH ZRUNLQJ WHPSHUDWXUH LV ž&
$IWHU KDYLQJ EHHQ VHOHFWHG LWV LQGLFDWRU OLJKW LV RQ

ǃ EXWWRQ
,W¶V XVHG WR EH WKH FKRLFH HVSHFLDOO\ IRU WKH ZRUNLQJ WHPSHUDWXUH 7KHUH DUH WZR
ZRUNLQJ WHPSHUDWXUH IRU FKRLFH ž& RU ž& ZKRVH OLJKW ZLOO RQ DIWHU EHLQJ
VHOHFWHGž& FRXOG QRW EH VHOHFWHG IRU &27721 DQG 3/$67,& V\VWHP

ǃ67$576723 EXWWRQ
3UHVV GRZQ WKH 6WDUWLQJ EXWWRQ IRU VWDUWLQJ WKH VWHULOL]LQJ SURFHVV
$IWHU KDYLQJ EHHQ SUHVVHG GRZQ IRU  VHFRQGV RI WKH EXWWRQ LW ZLOO VWRS WKH
VWHULOL]LQJ SURJUDP

ǃ*UHHQ OLJKW LQGLFDWRU

,W¶V WKH OLJKW LQGLFDWRU IRU DODUPLQJ WKH VKRUWDJH RI ZDWHU LQ WKH GLVWLOOHG ZDWHU WDQN
DQG UHPLQGLQJ IRU ILOOLQJ GLVWLOOHG ZDWHU

 *UD\ OLJKW LQGLFDWRU

,W¶V WKH OLJKW LQGLFDWRU IRU DODUPLQJ WKH IXOO RI WKH ZDVWH ZDWHU WDQN DQG UHPLQGLQJ
IRU GUDLQLQJ ZDVWH ZDWHU

 5($'< OLJKW LQGLFDWRU

$IWHU FORVLQJ WKH GRRU WKH 5($'< OLJKWLQJ PHDQV FDQ SUHVV 67$57 WR ZRUNLQJ

ˊ2SHUDWLRQ

%HIRUH RSHUDWLRQ SOHDVH FRQQHFW ZHOO WR WKH SRZHU VRFNHW

3XVK GRZQ WKH PDLQ SRZHU JUHHQ VZLWFK DW WKH ULJKW
ERWWRP FRUQHU RI WKH IURQW VLGH ZKHQ WKH LQGLFDWRU OLJKW
LV RQ LW PHDQV WKDW WKH DXWRFODYH JHW WKURXJK ZLWK WKH
HOHFWULF SRZHU DQG WKH SURFHVV WKHQ LV LQ LQLWLDOL]DWLRQ
VWDWXV ZLWK ³/'´ EHLQJ VKRZQ RQ WKH VFUHHQ 7KH DXWRFODYH
LV QRW KHDWLQJ ZKLOH XQGHU VXFK LQLWLDOL]DWLRQ VWDWXV
3UHVV WKH ³6WDUW6WRS´ EXWWRQ WR VWDUW VWHULOL]LQJ ZRUN
 :DWHU ILOOLQJ
$IWHU WXUQLQJ RQ WKH SRZHU WR WKH DXWRFODYH LI WKH ³*UHHQ´
EORE OLJKW LV IODVKLQJ SOHDVH ILOO PRUH GLVWLOOHG ZDWHU XQWLO
WKH OLJKW LV RII DQG ZLWK D ³GX´ VRXQG )LOO DERXW 
PO GLVWLOOHG ZDWHU FXSV HDFK WLPH

'XULQJ ZRUNLQJ WLPH LI WKH ³*UHHQ´ EORE LQGLFDWRU LV RQ

WKH XVHU VKDOO ILOOLQJ ZDWHU DIWHU WKH DXWRFODYH ILQLVKHG
ZRUNLQJ LQ WLPH DQG VDPH WLPH GUDLQ RXW RI WKH
XVHG ZDWHU LQ WLPH 2U LW ZRXOG KDYH WKH DEQRUPDO YRLFH
WR HIIHFW WKH ZRUNLQJ

&OHDQ WKH FRSSHU ILOWHU LQVLGH WKH FKDPEHU E\ EUXVK RU

XOWUDVRQLF FOHDQHU LQ WLPH RU LW ZRXOG HIIHFW WKH SUHVVXUH
UHOHDVLQJ SOHDVH FOHDQ LW RQH WLPH RQFH  GD\V

1RWH %H VXUH WR ILOO WKH GLVWLOOHG ZDWHU


 7KH DXWRFODYH PXVW FRQQHFWLQJ WKH SRZHU VRFNHW ZHOO DQG WXUQ RQ WKH VZLWFK EHIRUH
ILOOLQJ WKH GLVWLOOHG ZDWHU
 'R QRW ILOO WKH GLVWLOOHG ZDWHU WRR PXFK ZKHQ WKHUH LV D '8 VRXQG SOHDVH VWRS WR ILOOLQJ
PRUH ZDWHU
 ,I WKHUH LV D PDUN RQ WKH ODFN RI VRXUFH GLVWLOOHG ZDWHU SOHDVH ILOO GLVWLOOHG ZDWHU RQO\ DIWHU
WKH DXWRFODYH ILQLVKHG ZRUNLQJ

 :RUNLQJ

6WDUW WKH VWHULOL]LQJ ZRUN ZKHQ WKH WZR EORE LQGLFDWRUV RI ZDWHU WDQN DUH ERWK RII

 $ 6HOHFW WKH SURJUDP DQG WHPSHUDWXUH IRU FRPLQJ VWHULOL]LQJ

 % 3XW WKH FOHDQHG LQVWUXPHQW RQWR WKH PHVK WUD\V LQVLGH WKH FKDPEHU

1RWH WKH REMHFW DSSDUDWXV WR EH VWHULOL]HG VKDOO EH SODFHG RQ WKH GHYLFH WUD\V ZLWK
HQRXJK FOHDUDQFH UHWDLQHG LQ IDYRU RI WKH DLU FLUFXODWLRQ LQVLGH WKH VWHULOL]LQJ URRP 3OHDVH SXW
WKH GHYLFH WUD\V LQWR WKH DXWRFODYH E\ WKH DWWDFKHG KDQGVXSSRUW KROGHU

& &ORVH WKH GRRU DIWHU SXWWLQJ LQ WKH DSSDUDWXV WR EH

VWHULOL]HG DQG UHYROYH WKH KDQGOH WR WKH ULJKW 0$;
SRVLWLRQ
 1RWH 'XH WR WKH KHDW DLU DQG VWHDP LQVLGH WKH DXWRFODYH URRP LW¶V UHDVRQDEOH LI WKHUH
LV UHVLVWDQFH IRUFH IURP WKH GRRU ZKHQ
\RX FORVH LW 3OHDVH KHDYLO\ FORVH WKH GRRU DQG UHYROYH WKH KDQGOH WR DQG SXVK WKH GRRU D OLWWOH
ELW ZKLOH FORVH WKH GRRU

' 3UHVV WKH 67$576723 EXWWRQ WR VWDUW ZRUN:KHQ GLVSOD\ +( LW PHDQV
WKH DXWRFODYH VWDUW LWV DXWRPDWLF VWHULOL]LQJ SURFHVV 'XULQJ WKH SURFHVV \RX FDQ
HQMR\ WKH OHLVXUH E\ LWV DXWRPDWLF IXQFWLRQ RU \RX FDQ SD\ \RXU DWWHQWLRQ WR RWKHU
ZRUN EHFDXVH DXWRFODYH UXQV DXWRPDWLFDOO\ GXULQJ WKH SURFHVV RI KHDWLQJ
VWHULOL]LQJ DQG GU\LQJ DQG GLVSOD\ (' PHDQV ILQLVKHG VWHULOL]LQJ

7KH ZRUNLQJ WLPH RI WKH ZKROH SURFHVV LV GHWHUPLQHG E\ WKH WRWDO TXDQWLW\ RI
DSSDUDWXV LQVLGH WKH VWHULOL]LQJ URRP WKH LQLWLDO WHPSHUDWXUH RI DXWRFODYH DQG WKH
VWHULOL]LQJ SURFHVV WKH XVHU FKRRVHV

1RWH ,I WKH GRRU LV QRW FRPSOHWHO\ FORVHG D ³/'´ LV VKRZLQJ ZKHQ SUHVV GRZQ
³67$576723´ EXWWRQ 3OHDVH FORVH WKH GRRU DJDLQ RWKHUZLVH WKH DXWRFODYH FDQ QRW VWDUW
ZRUN ,I WKH GRRU LV UHOHDVLQJ GXULQJ ZRUNLQJ WKH VWDWXV GLVSOD\ ZLOO VKRZ ³(´DV HUURU DQG
WKH DXWRFODYH ZLOO VWRS ZRUNLQJ \RX QHHG WR WXUQ RII WKH DXWRFODYH ILUVWO\ WKHQ UHVWDUW WKH
PDFKLQH

( :KHQ ³('´ GLVSOD\LQJ DIWHU VWHULOL]LQJ SURFHVV \RX FDQ RSHQ WKH GRRU DQG
WDNH WKH VWHULOL]HG DSSDUDWXV RXW

1RWH 7DNH RXW WKH VWHULOL]HG DSSDUDWXV WRJHWKHU ZLWK WKH GHYLFH WUD\V E\ WKH DWWDFKHG
KDQGVXSSRUW SODWH LQ FDVH RI VFDOG
$IWHU RSHQLQJ WKH GRRU RI DXWRFODYH WKH SURFHVV LV UHVHW DW ³/'´ VWDWH ZKLFK PHDQV WKH
DXWRFODYH LV XQGHU KHDW SUHVHUYDWLRQ VWDWXV DQG ZDLWLQJ IRU DQRWKHU VWHULOL]LQJ SURFHGXUH
%HIRUH VWDUWLQJ WKH QHZ VWHULOL]LQJ SURFHGXUH WKH DXWRFODYH ZLOO DOZD\V NHHS LQ WKH VWDWXV RI
KHDW SUHVHUYDWLRQ

) 3OHDVH WXUQ RII WKH DXWRFODYH E\ WKH VZLWFK ZKHQ WKH DXWRFODYH LV QRW
ZRUNLQJ

:DUQLQJ 3OHDVH GRQ¶W RSHQ WKH GRRU ZKHQ WKH SUHVVXUH QRW UHDFKHV ³´
'XULQJ HDFK WLPH¶V VWHULOL]LQJ SURFHVV ZH UHFRPPHQG \RX SXW WKH VSHFLDO WHVWLQJ SDSHU RU

EDJV LQWR WKH URRP WRJHWKHU ZLWK WKH REMHFW DSSDUDWXV WR HQVXUH WKH OLDELOLW\ RI WKH VWHULOL]LQJ
 ˊ(PHUJHQF\ &RQGLWLRQ

'XULQJ WKH UXQQLQJ WLPH WKH DXWRFODYH ZLOO DXWRPDWLFDOO\ UDLVH WKH DODUP UHOHDVH
SUHVVXUH VWRS KHDWLQJ DQG GLVSOD\ WKH ZDUQLQJ FRGH7KH GHILQLWLRQ RI WKH ZDUQLQJ
FRGH LV DV WKH EHORZ WDEOH PDOIXQFWLRQ FRGH DQG UHVROYLQJ PHWKRG IRU HQVXULQJ
WKH VDIHW\ RI WKH RSHUDWRU LI WKH HPHUJHQFLHV RFFXU
$Q\ HPHUJHQFLHV KDSSHQ SOHDVH FKHFN WKH ZDUQLQJ FRGH WDEOH IRU UHVROYLQJ WKH
DFFRUGLQJ PDOIXQFWLRQV ,I QRW SRVVLEOH WR UHVROYH SOHDVH FRQWDFW WKH GHDOHUV :H
ZLOO WU\ RXU EHVW WR SURYLGH KHOS WR \RX LQ VKRUW WLPH

(UURU FRGH DQG UHVROYLQJ PHDVXUHV

12 &RGH $ODUP 7RQH 0DOIXQFWLRQ FRQWHQW 5HVROYLQJ 0HDVXUHV

GLVSOD\
 ( ORQJ GX )DXOW RI WHPSHUDWXUH ,QVSHFW LI DQ\WKLQJ HIIHFWHG WKH
VHQVRU LQVLGH WKH FKDPEHU VHQVRU RU ZLUH QRW FRQQHFWLQJ ZHOO
RU VHQVRU ZDV EURNHQ
 ( ORQJ GX 3UHVVXUH RYHU  .3D ,QVSHFW SUHVVXUH VHQVRU RU YDFXXP
SXPS ZRUNLQJ
 ( ORQJ GX )DXOW RI WHPSHUDWXUH VHQVRU RXWVLGH ,QVSHFW WKH WHPSHUDWXUH VHQVRU
WKH FKDPEHU RXWVLGH RI WKH FKDPEHU
 ( ORQJ GX 6XSHU KLJK LQQHU WHPSHUDWXUH ZKHQ ,QVSHFW LQVLGH WHPSHUDWXUH VHQVRU
SUHVVXUH ULVLQJ RU SUHVVXUH VHQVRU
 ( ORQJ GX 3UHVVXUH UHOHDVLQJ VORZO\ ,QVSHFW WKH ILOWHU LQVLGH WKH FKDPEHU
NHHS LW FOHDQ DQG QR MDP
 ( ORQJ GX 3UREOHP RI GRRU VZLWFK RU GRRU ,QVSHFW GRRU VZLWFK RU LI GRRU
EHLQJ RSHQHG ZKHQ ZRUNLQJ KDQGOH ZHUH UHYROYHG WR WKH
ULJKW 0$; SRVLWLRQ
 ( ORQJ GX )DXOW RI WHPSHUDWXUH VHQRU RQ VWHDP ,QVSHFWLQJ WKH WHPSHUDWXUH VHQVRU
JHQHUDWRU RQ VWHDP JHQHUDWRU
 ( ORQJ GX )DLO RQ SUHVVXUH ULVLQJ ,QVSHFW ZDWHU IORZLQJ URDG DQG
VWHDP OHDNLQJ
 (+ ORQJ GX 6WHDP JHQHUDWRU QRW KHDWLQJ ,QVSHFW FRQQHFWLQJ ZLUH RU
UHVLVWDQFH RI VWHDP JHQHUDWRU
 () ORQJ GX 3UHVVXUH QRW RYHU WKDQ  .3D ,QVSHFW ZDWHU SXPSVWHDP JHQHUDWRU
 (/ ORQJ GX 3UHVVXUH QRW RYHU WKDQ  .3D ,QVSHFW LI HOHFWULF YDOYH FDXVLQJ
VWHDP OHDN RU UHSODFH ZDWHU SXPS

 (R ORQJ GX 3UHVVXUH QRW RYHU WKDQ  .3D ,QVSHFW LI WKH ZDWHU SXPS ZRUNLQJ
ZHDNO\ 2U UHSODFH LW
 ( ORQJ GX )DLO RQ NHHSLQJ SUHVVXUH DQG ,QVSHFW WKH VWHDP OHDNLQJ
WHPSHUDWXUH
 0DLQWHQDQFH DQG 6HUYLFH
 &OHDQ WKH GLVWLOOHG ZDWHU WDQN E\ PHGLFDO RQFH D PRQWK
 &OHDQ WKH LQWHULRU VXUIDFH RI WKH FKDPEHU E\ DOFRKRO RQFH D PRQWK
 5HSODFH WKH IXVH
 6KXW RII WKH SRZHU
 5HYROYH WKH IXVH EDVH E\ FRXQWHUFORFNZLVH E\ VFUHZGULYHU WR EULQJ RXW WKH
PHOWLQJ IXVH WR EH UHSODFHG
 5HSODFH WKH QHZ IXVH DQG UHVHW WKH IXVH EDVH RQ WKH RULJLQDO SRVLWLRQ WKHQ XVH
WKH VFUHZGULYHU WR IDVWHQ WKH EDVH E\ FORFNZLVH
&KHFN WKH FRUUHFWQHVV RI WKH SDUDPHWHU RI WKH QHZ IXVH UHSODFHG
 &OHDQ WKH VHDOLQJ ULQJ SHULRGLFDOO\
7KH XVHU VKDOO FOHDQ WKH VHDOLQJ ULQJ SHULRGLFDOO\ IRU DYRLGLQJ WKH LQIOXHQFH WR WKH
VHDO FDXVHG E\ WKH GXVWGLUW OHIW GXH WR WKH ORQJ SHULRG XVH 8VH WKH VPRRWK FORWK
ZLWK GLVWLOOHG ZDWHU WR ZLSH WKH VXUIDFH RI WKH VHDOLQJ ULQJ RU VHDOLQJ FDS JHQWO\
7KH XVHU VKDOO GLVFKDUJH WKH VHDOLQJ ULQJ IRU IXUWKHU FOHDQLQJ RU UHSODFHPHQW LI WKH
DLUOHDNLQJ SUREOHP FDQ QRW EH UHVROYHG DIWHU WKH DERYH SURFHVV 7KH XVHU VKDOO
GLVFKDUJH WKH VHDOLQJ ULQJ SHULRGLFDOO\ IRU FOHDQLQJ DQG LQVSHFWLRQ DV
UHFRPPHQGDWLRQ E\ WKH VXSSOLHU

 7KH UHSODFHPHQW ZRUN IRU VHDOLQJ ULQJ

7RRO 2QH IODW VFUHZGULYHU 1R VKDUS HGJH DW WKH KHDG
$ 2QH KDQG FDWFKHV WKH OLS RI WKH VHDOLQJ ULQJ WKH RWKHU KDQG LQVHUW WKH
VFUHZGULYHU LQWR WKH FOHDUDQFH EHWZHHQ WKH VHDOLQJ ULQJ DQG WKH GRRU IRU UDLVH
XS WKH VHDOLQJ ULQJ
% $IWHU UDLVLQJ XS SDUW RI WKH ULQJ \RX FDQ XVH KDQG WR GUDZ WKH ZKROH ULQJ RXW
:DVK LWV JURRYH DIWHU GUDZLQJ RXW WKH ULQJ DQG SD\ DWWHQWLRQ WR VHH ZKHWKHU
LW¶V VSRLOHG RU QRW LQ FRQVLGHUDWLRQ RI WKH QHFHVVLW\ RI UHSODFHPHQW
& 3XW EDFN WKH ULQJ WR WKH RULJLQDO GRRU JURRYH DIWHU FOHDQLQJ 0RVW ,PSRUWDQW
WKH LQVHW ZRUN PXVW EH GRQH HTXDEO\ WR WKH JURRYH 'XULQJ WKH LQVWDOODWLRQ WKH
ODLG IRXU HTXDO SRLQWV RI WKH ULQJ PXVW EH LQVHUWHG WR WKH JURRYH ILUVWO\ ODWHU
IRU WKH VDPH ZRUN IRU WKH UHPDLQLQJ VHJPHQWV RI WKH ULQJ $IWHU ILQLVKLQJ
SUHVV WKH VHDOLQJ ULQJ HTXDOO\ E\ WKH IRUFH RI KDQG
' 1RWH 7KH LQQHU FLUFOH RI WKH ULQJ PD\ EH UDLVHG XS ZKHQ LQVHUW WKH ULQJ LQWR
WKH JURRYH 3OHDVH SUHVV LW WR WKH JURRYH E\ XVLQJ WKH VFUHZGULYHU FDUHIXOO\
6KXW RII WKH SRZHU DQG FRROLQJ WKH DXWRFODYH VXIILFLHQWO\ EHIRUH LQVHUWLQJ WKH ULQJ
IRU DYRLGLQJ VFDOG

 6KXW RII WKH SRZHU EHIRUH VHUYLFH RU FRPSRQHQWV¶ UHSODFHPHQW DQG WKH VHUYLFH
RU UHSODFHPHQW ZRUN VKDOO EH GRQH E\ WKH VXSSOLHU RU KLV GHVLJQDWHG WHFKQLFLDQ
 7UDQVSRUWDWLRQ DQG 6WRUDJH

 7KH SUHSDUDWRU\ ZRUN EHIRUH

WUDQVSRUWDWLRQ DQG VWRUDJH
6KXW RII WKH SRZHU GUDZ RXW WKH SOXJ
DQG FRRO WKH DXWRFODYH GRZQ
 'UDLQLQJ ZDWHU $ %
(PSW\ WKH ZDWHU VWRULQJ WDQN DQG WKH FRROLQJ ZDWHU FROOHFWLQJ WDQN 7KH WHUPLQDO
VLGH RI WKH DWWDFKHG SLSH ZLWK QR FRQQHFWLQJ MRLQW VKDOO EH LQVHUWHG LQWR WKH ZDWHU
H[LWLQJ MRLQW SLSH $V WKH DERYH SLFWXUH VKRZLQJ % LV WKH ZDWHU H[LWLQJ PRXWK IRU
FRROLQJ ZDWHU FROOHFWLQJ WDQN $ LV WKH ZDWHU H[LWLQJ PRXWK RI WKH ZDWHU VWRULQJ
WDQN 5HYROYLQJ WKH ZDWHU H[LW EXWWRQ E\ DQWLFORFNZLVH GLUHFWLRQ VR DV WR UHOHDVH
WKH ZDWHU
 7KH DXWRFODYH VKDOO EH WUDQVIHUUHG DQG VWRUHG ZLWK WKH EHORZ FRQGLWLRQV
$PELDQFH WHPSHUDWXUH ž& ž&
5HODWLYH KXPLGLW\ ˘ 
$WPRVSKHULF SUHVVXUH +3$+3$

1RWH 'RQ
W GUDJ GXULQJ WUDQVSRUWDWLRQKDQGOH LW FDUHIXOO\ DQG QR LQYHUVLRQ

 $WWHQWLRQ

 7KH DXWRFODYH PXVW EH SODFHG RQ WKH KRUL]RQWDO ZRUNLQJ EDVH

 0XVW XVH WKH GLVWLOOHG ZDWHU IRU WKH SXUSRVH RI ODVWLQJ WKH ZRUNLQJ OLIH
 &OHDQ WKH FKDPEHU DQG EUDVV ILOWHU LQ WLPH
 7KH REMHFW DSSDUDWXV WR EH VWHULOL]HG VKDOO EH SXW RQWR WKH WUD\V DQG ZLWK
HQRXJK VSDFH IRU WKH VWHDP IORZLQJ LQVLGH WKH FKDPEHU
 'UDLQ WKH XVHG ZDWHU \ WKH ZDWHU LQVLGH WKH FRROLQJ ZDWHU LQ WLPH 8VXDOO\
GUDLQ WKH XVHG ZDWHU RQFH WKH GLVWLOOHG ZDWHU ZHUH ILQLVK
 &RQILUP WR UHYROYH WKH GRRU KDQGOH WR WKH ULJKW 0$; SRVLWLRQ
 'RQ¶W RSHQ WKH GRRU RQO\ DIWHU WKH SUHVVXUH LQGLFDWRU GLVSOD\LQJ 
 &DXWLRQ VFDOG QRW EH FORVH WR WKH GRRU RI WKH FKDPEHU ZKHQ RSHQ WKH GRRU
 6KXW RII WKH SRZHU EHIRUH GLVFKDUJLQJLQVWDOOLQJ WKH VHDOLQJ ULQJ DQG WKH ZRUN
VKDOO EH FDUULHG RXW DIWHU IXUWKHU VXIILFLHQW FRROLQJ LQ FDVH RI VFDOG
 'RQ¶W GUDJ RU GURS WKH DXWRFODYH KDQGOH LW FDUHIXOO\ DQG QR LQYHUVLRQ
 7KH SURWHFWLQJ JURXQG VKDOO EH UHOLDEOH
 (TXLSPHQW PXVW EH XVHG DZD\ IURP WKH PDJQHWLF ILHOG
 (TXLSPHQW OLIH HQG GHDOLQJ ZLWK WR ORFDO HQYLURQPHQWDO SURWHFWLRQ ODZV DQG
UHJXODWLRQV
  3DFNLQJ RI DFFHVVRU\

 'UDLQLQJ SLSH SF

 6WHULOL]LQJ WUD\V SFV

 3OXJ SF

 6WHULOL]LQJ KROGHU SF

 +DQGOH SF

 )XVH SFV

 0DQXDO SF

 0HDVXULQJ FXS SF

 6HDOLQJ JDVNHW SF

 2 ULQJV RI WDS SFV

 $33(1',;
12 7KH ZRUNLQJ VWDWXV GLVSOD\ WDEOH

1R 'LJLWDO GLVSOD\ :RUNLQJ VWDWXV QDPH :RUNLQJ VWDWXV VSHFLILFDWLRQ


 /G 3UHSDUHSUHKHDWLQJ ,Q WKLV VWDWXV SUHSDUH WR VWDUW ZRUNLQJ
VWDWXV
 +( +HDWLQJ VWDWXV ,Q WKLV VWDWXV WKH SUHVVXUH DQG WHPSHUDWXUH
LQFUHDVLQJ
 'LVSOD\LQJ WKH “ SUHVVXUH GDWD ,Q WKLV VWDWXV WKH FKDPEHU KDYH fSUHVVXUH
ZRUNLQJ SUHVVXUH
 'LVSOD\LQJ WKH 6WHULOL]LQJ VWDWXV ,Q WKLV VWDWXV WKH ZRUNLQJ WLPH DQG WKH FRXQW GRZQ
ZRUNLQJ WLPH ILJXUH DUH GLVSOD\LQJ
 3/ 'U\LQJ VWDWXV ,Q WKLV VWDWXV WKH DXWRFODYH GU\V RQ WKH REMHFW
DSSDUDWXV
 (G :RUNLQJ ILQLVKHG ,Q WKLV VWDWXV WKH SURFHVV LV ILQLVKHG DQG WKH GRRU FDQ
EH RSHQHG
 EG %' 7HVWLQJ %' WHVWLQJ SURJUDP
 (UURU FRGH $Q\ HUURU FRGH 'LVSOD\LQJ WKH HUURU FRGH
 12  9DFXXP WHVW DQG % ' WHVW PHWKRGV

9DFXXP WHVW FRQQHFWLQJ ZHOO WKH SUHVVXUH PHWHULI QHFHVVDU\ IURP WKH EDFNLQJ
WHVW FRQQHFWRU WXUQ RQ WKH SRZHU E\ WKH JUHHQ VZLWFK FORVH WKH GRRU NHHSLQJ
SUHVV WKH WHPSHUDWXUH FKRLFH EXWWRQ DURXQG V WKH ERDUG ZRXOG GLVSOD\LQJ QQ
DQG WKHQ LW ZRXOG VWDUW WKH YDFXXP WHVWLQJ DXWRPDWLFDOO\ $IWHU YDFXXP SXOVH LW
ZRXOG KROGLQJ WKH YDFXXP VWDWXV DQG HQG E\ GLVSOD\LQJ (G

% ' WHVW ZKHQ SXW WKH WHVW PDWHULDO RQWR WKH WUD\ LQVLGH WKH FKDPEHU ILUVWO\ WXUQ
RQ WKH SRZHU E\ WKH JUHHQ VZLWFK FORVH WKH GRRU NHHSLQJ SUHVV WKH
81:5$33(' EXWWRQ DURXQG V :KHQ WKH ERDUG GLVSOD\LQJ EG WKHQ SUHVV
VWDUWVWRS EXWWRQ WKH DXWRFODYH ZRXOG VWDUW WKH %' WHVW DXWRPDWLFDOO\ DQG HQG E\
GLVSOD\LQJ (G

12˖&LUFXLW GLDJUDP RI VWHULOL]HU

1OLQH
1OLQH
/OLQH
)DQ

3RZHURI3ULQWHU 6WHDPJHQHUDWRH
*1'
1&
1OLQH
1OLQH
1OLQH

/LQSXW
1LQSXW
9DFXXPSXPS

1OLQH
1OLQH
1OLQH
:DWHUSXPS

2XWVLGHKHDWLQJ
9
7UDQVIRUPHU
)DQ

LQSXW
7UDQVIRUPHURXWSXW

9$&

9$&

9DFXXPYDOYH

7HPSHUDWXUHVHQVRURI
:DWHUSXPSYDOYH VWHDPJHQHUDWRU
'RRUVZLWFK LQQHUFKDPEHU
,QOHWDLUYDOYH 6RXUFHZDWHUWDQN
RXWHUFKDPEHU
KLJKORZ 3ULQWHU
3UHVVXUH 'LVSOD\LQJERDUG
UHOHDVH
YDOYH
ZDVWHZDWHUWDQNIXOO
 12˖6WHDP /RRS

)LOOLQJ:DWHU

8VHG
:DWHU
RXW

ZDWHU XVHGZDWHU
VWRUDJH VWRUDJHWDQN
WDQN

SUHVVXUHWHVW
FRQQHFWRU
'UDLQLQJ 9GU\YDOYH VDIHW\GRRUORFN
:DWHU
HQWHU
DLU

VDIHYDOYH
SUHVVXUH &KDPEHU
9 VHQVRU
H[KDXVW
YDOYH

Y
SXPS YDFXXP
YDFXXP
YDOYH SXPS

9
LQIDOOYDOYH
VWHDP
FRQGHQVDWRU JHQHUDWRU