:$51,1*6 $1' ,16758&7,21 0$18$/ :$51,1*6 $1' ,16758& &7,2 21 0$18$/
0& 6$
5($' 7+(6( :$51,1*6 $1' 5($' 7+(6( :$51,1* 1 ,16758&7,216 %()25( 86,1* ,16758&7,216 %()25 2 ( 7+( ),5($50 0
,1'(; <RXU 2ZQHU V 0DQXDO )LUHDUP 6DIHW\ 'LVFODLPHU RI /LDELOLW\ )LUHDUP 6DIHW\ 5XOHV 2YHUYLHZ 7HFKQLFDO 6SHFLILFDWLRQV 2SHUDWLQJ 6\VWHP 8VDJH 3UHSDULQJ WR 6KRRW /RDGLQJ WKH 0DJD]LQH 7\SH RI $PPXQLWLRQ WR EH 8VHG 7DUJHW /LQH /RDGLQJ 6KRRWLQJ 8QORDGLQJ 8QORDGLQJ WKH 0DJD]LQH 0DLQWHQDQFH DQG &OHDQLQJ 'LVDVVHPEO\ &OHDQLQJ WKH 3LVWRO $VVHPEO\ &KDQJLQJ WKH %DFN 6WUDS &KDQJLQJ WKH 0DJD]LQH 5HOHDVH 0DOIXQFWLRQ 5HPHG\ ([SORGHG 9LHZ 0DQXIDFWXUHU V :DUQLQJ :DUUDQW\ 0DQXIDFWXUHU ,PSRUWHU 2
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
:$51,1* 7KHVH SURGXFWV FDQ H[SRVH \RX WR FKHPLFDOV LQFOXGLQJ /($' ZKLFK LV NQRZQ WR WKH 6WDWH RI &DOLIRUQLD WR FDXVH FDQFHU DQG ELUWK GHIHFWV RU RWKHU UHSURGXFWLYH KDUP )RU PRUH LQIRUPDWLRQ JR WR ZZZ 3 :DUQLQJV FD JRY $'9(57(1&,$ (VWH SURGXFWR SXHGH H[SRQHUOH D TXtPLFRV LQFOX\HQGR 3/202 TXH HV FRQRFLGR SRU HO (VWDGR GH &DOLIRUQLD FRPR FDXVDQWH GH FiQFHU \ GHIHFWRV GH QDFLPLHQWR X RWURV GDxRV UHSURGXFWLYRV 3DUD PD\RU LQIRUPDFLyQ YLVLWH ZZZ 3 :DUQLQJV FD JRY
1RWH 7KLV PDQXDO ZDV SUHSDUHG WR LQFOXGH LQVWUXFWLRQV IRU DOO 0& 6$ PRGHOV 3KRWRJUDSKV VKRZQ LQ WKLV PDQXDO PD\ QRW EH IURP WKH H[DFW PRGHO WKDW \RX KDYH EXW WKH LQVWUXFWLRQV ZLOO VWLOO DSSO\
3
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
)2//2:,1* 7+(6( 6$)(7< 58/(6 &$1 6$9( <285 /,)( 25 7+( /,)( 2) 620(21( (/6( *XQV DQG DOFRKRO RU GUXJV GR QRW PL[ 'RQ W WDNH DQ\ DOFRKROLF EHYHUDJHV DQG RU GUXJV EHIRUH RU GXULQJ VKRRWLQJ DFWLYLWLHV 1HYHU SXOO D JXQ WRZDUG \RX E\ WKH PX]]OH 'RQ W FOLPE D WUHH FURVV D GLWFK RU IHQFH ZLWK D ORDGHG JXQ $OZD\V HPSW\ JXQV EHIRUH HQWHULQJ D KRXVH FDU WUXFN ERDW 59 FDPS RU DQ\ EXLOGLQJ :KHQ UHFHLYLQJ D JXQ DOZD\V RSHQ WKH DFWLRQ DQG FKHFN WR PDNH VXUH WKH FKDPEHU LV XQORDGHG 1(9(5 DFFHSW DQ\RQH V ZRUG WKDW D JXQ LV XQORDGHG RU HPSW\ <RX VKRXOG LPPHGLDWHO\ RSHQ WKH DFWLRQ DQG FKHFN WR PDNH VXUH LW LV XQORDGHG %H FDUHIXO ZLWK $// DPPXQLWLRQ (YHQ EODQN FDUWULGJHV DUH GHDGO\ DW FORVH UDQJH GXH WR WKH PX]]OH EODVW 0DNH VXUH \RXU DPPXQLWLRQ LV QHZ DQG LQ JRRG FOHDQ FRQGLWLRQ 'R 127 RLO RU JUHDVH DPPXQLWLRQ DV WKLV PD\ GDPDJH WKH FDUWULGJH SULPHU 'R 127 WDPSHU ZLWK RU DOWHU WKH VWDQGDUG IDFWRU\ DPPXQLWLRQ .HHS ILUHDUPV XQORDGHG ZKHQ QRW LQ XVH /RDG WKH JXQ RQO\ ZKHQ RQ WKH UDQJH SUHSDULQJ WR ILUH DQG XQORDG LW EHIRUH OHDYLQJ WKH UDQJH 1HYHU SXW \RXU KDQG RYHU WKH PX]]OH RI D JXQ $/:$<6
ZHDU
SURWHFWLYH
VKRRWLQJ
JODVVHV
DQG
KHDULQJ
SURWHFWLRQ
ZKHQ
XVLQJ
ILUHDUPV
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³KDQJ ILUH´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± DQ DFFLGHQW LV DOPRVW DOZD\V WKH UHVXOW RI QRW IROORZLQJ EDVLF VDIHW\ UXOHV 86(' ),5($506 ± )LUHDUPV DUH VRPHWLPHV DOWHUHG WR ZRUN LQFRUUHFWO\ RU SDUWV PD\ EH UHPRYHG ORVW RU UHSODFHG ZLWK LQFRUUHFW SDUWV ,I \RX JRW \RXU ($$ &RUS ILUHDUP DV D XVHG JXQ %()25( 86,1* ,7 \RX VKRXOG WDNH LW WR D JRRG JXQVPLWK ZKR NQRZV ($$ &RUS ILUHDUPV DQG KDYH WKHP H[DPLQH LW :ULWH ($$ &RUS FRQFHUQLQJ DQ\ LWHPV RU FLUFXPVWDQFHV ZKLFK \RX GRQ¶W XQGHUVWDQG DQG ZKLFK PLJKW UHODWH WR \RXU VDIHW\ DQG WKH RSHUDWLRQ RI \RXU ILUHDUP DW
8
($$ &RUSRUDWLRQ .LQJ 6WUHHW &RFRD )/ 3+
02'(/ 0& 6$
9
10
d ,E/ > ^W /&/ d/KE^ MODELS &DOLEHU 2SHUDWLQJ 6\VWHP )LULQJ 6\VWHP
0& 6$ PP [ 3DUDEHOOXP 6KRUW UHFRLO VWULNHU 6HPL $XWRPDWLF
/HQJWK
PP
+HLJKW
PP
:LGWK
PP
:HLJKW ZLWKRXW PDJD]LQH
0DJD]LQH &DSDFLW\ (PSW\ 0DJD]LQH :HLJKW %DUUHO /HQJWK 5LIOLQJ 6LJKWLQJ 6\VWHPV /LQH RI 6LJKW
6DIHW\ )HDWXUHV
7ULJJHU $FWLRQ
JU URXQGV Â&#x201C; JU PP 5LJKW KDQGHG JURRYH 'RYHWDLOHG VLJKW GRYHWDLOHG QRWFKHG UHDU VLJKW PP 6WULNHU EORFN FKDPEHU ORDGHG LQGLFDWRU FRFNLQJ LQGLFDWRU WULJJHU VDIHW\ 6LQJOH DFWLRQ
11
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
86$*( 2) 7+( 3,672/ &21752/ %()25( 6+227,1*
12
Í»
0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH SRVLWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\
Í»
0DNH VXUH WKDW WKH FKDPEHU LV IUHH RI GXVW RU DQ\ REVWUXFWLRQ 6HH 3LFWXUH
Í»
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
Í»
7KH FKDPEHU ORDGHG LQGLFDWRU LQGLFDWHV ZKHQ WKH FKDPEHU LV ORDGHG
:$51,1* $OZD\V NHHS \RXU ILQJHU DZD\ IURP WKH WULJJHU XQWLO \RX DUH UHDG\ WR VKRRW :$51,1* /($' (;32685( 'LVFKDUJLQJ ILUHDUPV LQ SRRUO\ YHQWLODWHG DUHDV FOHDQLQJ ILUHDUPV RU KDQGOLQJ DPPXQLWLRQ PD\ UHVXOW LQ H[SRVXUH WR OHDG DQG RWKHU VXEVWDQFHV WKDW PD\ FDXVH ELUWK GHIHFWV UHSURGXFWLYH KDUP DQG RWKHU VHULRXV SK\VLFDO LQMXU\ +DYH DGHTXDWH YHQWLODWLRQ DW DOO WLPHV :DVK \RXU KDQGV WKRURXJKO\ DIWHU H[SRVXUH 6KRRWLQJ RU FOHDQLQJ JXQV PD\ H[SRVH \RX WR OHDG 35(3(5$7,21 )25 6+227,1* Í»
$OZD\V SRLQW WKH SLVWRO LQ D VDIH GLUHFWLRQ
Í»
0DNH VXUH \RXU ILQJHUV DUH DZD\ IURP WKH WULJJHU DQG WKH WULJJHU VDIHW\ LV IXOO\ IRUZDUG
Í»
,I WKHUH LV DQ\ RLO LQ WKH EDUUHO FOHDQ LW ZLWK D VRIW FOHDQLQJ WRRO
Í»
&KHFN WR VHH LI WKH SLVWRO LV UHDG\ DQG ZRUNLQJ SURSHUO\
Í»
&KHFN LI WKH PDJD]LQH LV ILWWHG FRUUHFWO\
/2$',1* 7+( 0$*$=,1( Í»
+ROG WKH PDJD]LQH LQ DQ XSULJKW SRVLWLRQ DQG SXW WKH FDUWULGJHV WR WKH PDJD]LQH
Í»
3XVK WKH FDUWULGJH GRZQZDUGV DQG EDFNZDUG WR WKH HQG RI WKH PDJD]LQH
Í»
&RQWLQXH WR SXW WKH FDUWULGJHV LQWR WKH PDJD]LQH XQWLO LW LV IXOO\ ORDGHG 6HH 3LFWXUH
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
7$5*(7 /,1( 7KH WDUJHW OLQH LV FUHDWHG E\ DUUDQJLQJ DOO WKUHH SRLQWV RQ WKH VDPH OLQH 6HH 3LFWXUH
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
$0081,7,21 &$575,'*(6 127,&( :H VSHFLILFDOO\ GLVFODLP UHVSRQVLELOLW\ IRU DQ\ GDPDJH LQMXU\ RU GHDWK RFFXUULQJ LQ FRQQHFWLRQ ZLWK RU DV WKH UHVXOW RI WKH XVH RI (XURSHDQ $PHULFDQ $UPRU\ &RUS ILUHDUP RI IDXOW\ QRQ VWDQGDUG UHPDQXIDFWXUHG KDQG ORDGHG RU UHORDGHG DPPXQLWLRQ XVHG FDUWULGJHV RU FDUWULGJHV RWKHU WKDQ IDFWRU\ FDUWULGJHV IRU ZKLFK WKH ILUHDUP ZDV RULJLQDOO\ FKDPEHUHG 14
:$51,1* :KHQ VKRRWLQJ IXOO H\H DQG HDU SURWHFWLRQ LV PDQGDWRU\ DW DOO WLPHV 6KRRWHUV DQG VSHFWDWRUV PXVW ZHDU VKRRWLQJ JODVVHV DQG KHDULQJ SURWHFWLRQ WR SUHYHQW H\H LQMXU\ DQG KHDULQJ ORVV 9LVLRQ DQG KHDULQJ LPSDLUPHQW FDQ RFFXU ZLWK RQO\ RQH PRPHQW RI QRQ SURWHFWLRQ
/2$',1* 7+( 3,672/ Í»
0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH SRVLWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\
Í»
3XW WKH ORDGHG PDJD]LQH LQWR WKH SLVWRO FRUUHFWO\ E\ HQJDJLQJ WKH PDJD]LQH UHOHDVH 6HH 3LFWXUH
Í»
3XOO WKH VOLGH EDFN WR WKH HQG DQG UHOHDVH LW FDUHIXOO\ 6HH 3LFWXUH 1RWH 'R QRW IROORZ WKH VOLGH ZLWK \RXU KDQG IRUZDUG 3XOO WKH VOLGH IXOO\ UHDUZDUG DQG UHOHDVH WKH VOLGH DQG WKH UHFRLO VSULQJ ZLOO PRYH WKH VOLGH IRUZDUG
Í»
1RZ WKDW WKH SLVWRO LV ORDGHG DQG UHDG\ WR ILUH WKH FKDPEHU ORDGHG LQGLFDWRU VKRXOG VKRZ WKDW SLVWRO LV ORDGHG 6HH 3LFWXUH
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
:$51,1* $OZD\V NHHS \RXU ILQJHU DZD\ IURP WKH WULJJHU XQWLO \RX DUH UHDG\ WR VKRRW 127( 7KH *ø56$1 0& 6$ SLVWRO KDV D VWULNHU EORFN VDIHW\ WKLV V\VWHP GRHV QRW DOORZ WKH ILULQJ SLQ WR HQJDJH WKH FDUWULGJH ZLWKRXW SXOOLQJ WKH WULJJHU DQG WULJJHU VDIHW\ FRPSOHWHO\ WR WKH UHDU RI WKH SLVWRO
6+227,1* v 0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH GLUHFWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\ XQWLO \RX DUH UHDG\ WR ILUH 6HH 3LFWXUH RQ SDJH v 'R QRW GLUHFW \RXU SLVWRO RII RI WKH WDUJHW XQWLO \RX DUH ILQLVKHG VKRRWLQJ v 2QFH WKH ODVW URXQG LV ILUHG WKH VOLGH ZLOO VWD\ EDFN KHOG E\ WKH VOLGH VWRS RU VOLGH FDWFK 6HH 3LFWXUH v (MHFW WKH PDJD]LQH E\ SUHVVLQJ WKH PDJD]LQH UHOHDVH EXWWRQ v 7R FRQWLQXH VKRRWLQJ WDNH WKH PDJD]LQH RXW DQG ORDG D QHZ PDJD]LQH v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
81/2$',1* Í»
0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH SRVLWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\
Í»
3UHVV WKH PDJD]LQH UHOHDVH EXWWRQ WR WDNH WKH PDJD]LQH RXW 6HH 3LFWXUH $
Í»
3XOO WKH VOLGH EDFN WR UHPRYH DQ\ FDUWULGJH IURP WKH FKDPEHU GR QRW WUXVW \RXU PHPRU\ DOZD\V FKHFN WR PDNH VXUH WKH FKDPEHU LV HPSW\ 6HH 3LFWXUH %
Í»
0DNH VXUH WKH FKDPEHU LV IUHH RI DQ\ FDUWULGJH EHIRUH UHOHDVLQJ WKH VOLGH EDFN WR WKH IURQW
81/2$',1* 7+( 0$*$=,1( Í»
3XVK WKH FDUWULGJH IRUZDUG XQWLO UHOHDVHG IURP WKH PDJD]LQH 6HH 3LFWXUH
Í»
&RQWLQXH H[WUDFWLQJ XQWLO DOO WKH FDUWULGJHV IURP WKH PDJD]LQH DUH RXW
17
:$51,1* /HDG RU OHDG FRPSRXQGV DUH NQRZQ WR WKH 6WDWH RI &DOLIRUQLD WR FDXVH FDQFHU ELUWK GHIHFWV UHSURGXFWLYH WR[LFLW\ DQG RWKHU VHULRXV SK\VLFDO LQMXU\ 7KRVH ZKR FOHDQ ILUHDUPV VKRXOG WDNH SURWHFWLYH PHDVXUHV WR DYRLG FRQWDFW RU H[SRVXUH WR VXFK FKHPLFDOV
0$,17(1$1&( $1' &/($1,1* Í»
0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH SRVLWLRQ \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\ DQG WKH SLVWRO LV XQORDGHG EHIRUH VWDUWLQJ PDLQWHQDQFH
Í»
,I WKH SLVWRO LV ORDGHG IROORZ WKH ³8QORDGLQJ´ LQVWUXFWLRQV EHIRUH FRQWLQXLQJ
Í»
7KH PDLQWHQDQFH RI WKLV SLVWRO PXVW EH GRQH DIWHU HYHU\ VKRRWLQJ
',6$66(0%/< 0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH SRVLWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\ DQG WKH FKDPEHU RI WKH SLVWRO LV HPSW\
18
Í»
(MHFW WKH PDJD]LQH E\ SUHVVLQJ WKH PDJD]LQH UHOHDVH EXWWRQ 6HH 3LFWXUH $ RQ WKH SUHYLRXV SDJH
Í»
3XOO WKH VOLGH EDFN DQG SXVK WKH VOLGH VWRS XS 6HH 3LFWXUH $
Í»
7XUQ WKH WDNH GRZQ OHYHU FORFN ZLVH 6HH 3LFWXUH % RQ WKH QH[W SDJH
Í»
3XVK WKH VOLGH VWRS GRZQ FDUHIXOO\ 6HH 3LFWXUH RQ WKH QH[W SDJH
Í»
3XOO WKH VOLGH IRUZDUG ZLWK RQH KDQG DQG DW WKH VDPH WLPH SXOO WKH WULJJHU 6HH 3LFWXUH DQG RQ WKH QH[W SDJH
Í»
7DNH WKH VOLGH RXW E\ VOLGLQJ LW IRUZDUG 6HH 3LFWXUH RQ WKH QH[W SDJH
Í»
7DNH WKH UHFRLO VSULQJ RXW IURP WKH VOLGH JURXS 6HH 3LFWXUH RQ WKH QH[W SDJH
Í»
7DNH WKH EDUUHO RXW IURP WKH VOLGH 6HH 3LFWXUH RQ WKH QH[W SDJH
19
&/($1,1* 7+( 3,672/ :KHQ FOHDQLQJ DQG RLOLQJ WKH EDUUHO Í»
6SUD\ D OLWWOH ELW RI JXQ RLO RQ WKH EUXVK
Í»
%UXVK WKH LQVLGH RI WKH EDUUHO E\ SXVKLQJ IRUZDUG DQG EDFNZDUG 6HH 3LFWXUH
Í»
'U\ WKH LQVLGH RI WKH EDUUHO ZLWK D FOHDQ DQG GU\ WRRO 7KHVH WRROV DUH LQFOXGHG ZLWK WKH SLVWRO
:KHQ FOHDQLQJ WKH VOLGH DQG RLOLQJ Í»
&OHDQ WKH VOLGH ZLWK WKH RLOHG WRROV 8VH WKH EUXVK DQG RWKHU WRROV
Í»
$SSO\ D VPDOO DPRXQW RI RLO WR WKH VOLGH 6HH 3LFWXUH
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
:$51,1* 7DNH FDUH WR WKH ILULQJ SLQ ZKLOH FOHDQLQJ WKH SLVWRO DQG PDNH VXUH WKDW DOO WKH GXVWV KDV EHHQ FOHDQHG 1HYHU RLO WKH ILULQJ SLQ KROH
:KHQ FOHDQLQJ WKH IUDPH DQG RLOLQJ Í»
&OHDQ DOO WKH VXUIDFHV FDUHIXOO\
Í»
$SSO\ RLO WR WKH UDLOV WULJJHU EDU ± VHDU FRQQHFWLRQ 6HH 3LFWXUH
2LOLQJ DQG FOHDQLQJ WKH 5HFRLO VSULQJ DQG UHFRLO URG Í»
/LJKWO\ RLO WKH UHFRLO VSULQJ DQG UHFRLO URG 6HH 3LFWXUH
:KHQ FOHDQLQJ DQG RLOLQJ WKH PDJD]LQH Í»
0DNH VXUH WKDW WKH PDJD]LQH LV HPSW\
Í»
3XOO WKH PDJD]LQH EXWW SODWH GRZQ DQG WDNH WKH PDJD]LQH EXWW SODWH RXW 6HH 3LFWXUH
Í»
&OHDQ DOO WKH GXVW RII DQG RWKHU WKLQJV IURP LQVLGH WKH PDJD]LQH ZLWK WKH EUXVK
Í»
&OHDQ WKH HQWLUH LQVLGH DQG RXWVLGH RI WKH PDJD]LQH
Í»
7KHQ DVVHPEOH WKH PDJD]LQH E\ DSSO\LQJ WKH UHYHUVH PHWKRG RI GLVDVVHPEO\
21
$66(0%/<
22
ͻ
3ODFH WKH EDUUHO LQVLGH RI WKH VOLGH 6HH 3LFWXUH
ͻ
3ODFH UHFRLO VSULQJ DQG JXLGH URG XQGHUQHDWK WKH EDUUHO DQG LQWR WKH VOLGH DQG EDUUHO QRWFK DV SLFWXUHG 6HH 3LFWXUH
ͻ
3XW WKH VOLGH JURXS LQWR WKH UDLOV RQ WKH IUDPH 6HH 3LFWXUH
ͻ
3XOO WKH VOLGH EDFN WR WKH HQG RI WKH UHFHLYHU DQG SXVK WKH VOLGH VWRS XS XQWLO WKH VOLGH LV FDXJKW
ͻ
7KHQ URWDWH WKH WDNH GRZQ OHYHU FRXQWHU FORFNZLVH 6HH 3LFWXUH
&+$1*,1* 7+( %$&. 675$3 0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH GLUHFWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\ DQG WKH FKDPEHU RI WKH SLVWRO LV HPSW\ )ROORZ WKHVH VWHSV WR FKDQJH WKH EDFN VWUDS LQFOXGHG ZLWK WKLV SLVWRO VPDOO PHGLXP ODUJH Í»
7DNH WKH JULS SLQ RXW 6HH 3LFWXUH
Í»
7DNH WKH EDFN VWUDS RXW IURP WKH JULS 6HH 3LFWXUH
Í»
3ODFH WKH RWKHU EDFN VWUDS RQ WKH JULS DQG LQVHUW WKH JULS SLQ 6HH 3LFWXUH
23
&+$1*,1* 7+( 0$*$=,1( 5(/($6( 5(9(56,%/(
0DNH VXUH WKDW WKH SLVWRO LV SRLQWHG LQ D VDIH GLUHFWLRQ DQG \RXU ILQJHU LV QRW RQ WKH WULJJHU RU WULJJHU VDIHW\ DQG WKH FKDPEHU RI WKH SLVWRO LV HPSW\ /HIW KDQGHG VKRRWHUV FDQ FKDQJH WKH PDJD]LQH UHOHDVH WR WKH RWKHU VLGH E\ IROORZLQJ WKHVH LQVWUXFWLRQV EHORZ Í»
7DNH WKH VOLGH DVVHPEO\ RII WKH IUDPH 6HH 'LVDVVHPEO\
Í»
5HOHDVH WKH PDJD]LQH UHOHDVH VSULQJ IURP WKH PDJD]LQH UHOHDVH 6HH 3LFWXUH
Í»
3XOO WKH PDJD]LQH UHOHDVH RXW IURP WKH IUDPH 6HH 3LFWXUH
Í»
$VVHPEOH WKH PDJD]LQH UHOHDVH IRU OHIW KDQGHG XVDJH E\ IROORZLQJ WKHVH LQVWUXFWLRQV LQ UHYHUVH
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
7528%/( 6+227,1* 3UREOHP
3RVVLEOH 5HDVRQ
6ROXWLRQ
'DPDJHG &DUWULGJH
8VH D 1$72 VWDQGDUG FDUWULGJH &OHDQ WKH ILULQJ SLQ DVVHPEO\
0LVILUH
3UREOHP ZLWK )LULQJ 3LQ
6HQG LW WR WKH DXWKRUL]HG VHUYLFH 2LO WKH VOLGH
7KH VOLGH LV QRW ILWWHG FRUUHFWO\
0DJD]LQH LV QRW ILWWHG FRUUHFWO\
)HHGLQJ 3UREOHP
3XVK WKH PDJD]LQH WR WKH JULS FRUUHFWO\
)DXOW\ 0DJD]LQH
&KDQJH WKH PDJD]LQH
'LUW\ 0DJD]LQH
&OHDQ WKH PDJD]LQH
'LUW\ &KDPEHU
(MHFWLRQ 3UREOHP
6HQG LW WR WKH DXWKRUL]HG VHUYLFH
&OHDQ WKH EDUUHO DQG RLO
(MHFWRU 3UREOHP
6HQG LW WR WKH DXWKRUL]HG VHUYLFH
([WUDFWRU 3UREOHP
6HQG LW WR WKH DXWKRUL]HG VHUYLFH
25
13 42
6
14 44 11
33
(9x19 mm) MC28 V2 EXPLODED DRAWING
31
43
23
5
GİRSAN MAKİNE VE HAF.SLH.SAN.TİC.A.Ş. TEYYAREDÜZÜ MAHALLESİ SUNTA SOKAK NO:25 GİRESUN TEL: 0454 215 39 35 - 0454 215 29 31 FAX: 0454 215 39 28 http://www.girsan.com e-posta: girsan@girsan.com
32
12
10
41
15
4
38
3 22 39 18
41
41 19
16
26
21 9 20 35
26
26
40
27
7 28 8 24
45
36
30 17
29
37 1
25 2
46
34
1) Y028S000100 MAGAZINE RELEASE 2) Y028S010100 MAGAZINE RELEASE SPRING 3) Y028S001500 FRONT SIGHT 4) Y028S150100 FRONT SIGHT SCREW 5) Y028S001600 REAR SIGHT 6) Y028S160100 REAR SIGHT SCREW 7) Y028S002000 SEAR 8) Y028S200100 SEAR SPRING 9) Y028S200200 SEAR PIN 10) Y028S002100 FIRING PIN (STRIKER) 11) Y028S210100 FIRING PIN STRUT 12) Y028S210200 FIRING PIN INDICATION 13) Y028S210300 FIRING PIN GUIDE PIN 14) Y028S002200 FIRING PIN SPRING 15) Y028S220100 FIRING PIN RECOIL SPRING 16) Y028S002400 EJECTOR 17) Y028S002700 TRIGGER SPRING 18) Y028S270100 TRIGGER PIN 19) Y028S002800 TAKE DOWN LEVER 20) Y028S280100 TAKE DOWN LEVER SPRING 21) Y028S003100 BARREL 22) Y028S003200 SLIDE 23) Y028S320100 FIRING PIN STOP 24) Y028S003300 TRIGGER BAR 25) Y028S330100 TRIGGER BAR PIN 26) Y028S035A00 BECK-STREP (SMALL) Y028S035B00 BECK-STREP (MEDIUM) Y028S035C00 BECK-STREP (LARGE) 27) Y028S350100 BECK-STREP PIN 28) Y028S004000 FRAME 29) Y028S004200 TRIGGER 30) Y028S420100 TRIGGER SAFETY 31) Y028S004500 EXTRACTOR SPRING 32) Y028S004700 EXTRACTOR 33) Y028S470100 EXTRACTOR PIN 34) Y028S005000 RECOIL SPRING 35) Y028S005200 SEAR HOUSING BLOCK 36) Y028S005500 RECOIL SPRING GUIDE 37) Y028S550100 RECOIL SPRING GUIDE CAP 38) Y028S005600 SLIDE STOP 39) Y028S005700 SLIDE STOP SPRING 40) Y028S006300 LOCKING BLOCK 41) Y028S006500 PIN 42) Y0001660100 HELIX SPRING 43) Y028S006700 STRIKER BLOCK 44) Y028S670200 STRIKER SPRING HOLDER 45) Y028S007200 SERIAL NUMBER SHEET 46) Y028S050300 MAGAZINE
0$18)$&785(5¶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
27
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