6$9(7+(6(,16758&7,216
,03257$176$)(7<,16758&7,216
5($'$//,16758&7,216%()25(86,1*
0DNHVXUHDOOFRRNZDUHXVHGLQ\RXUPLFURZDYHRYHQ
LVVXLWDEOHIRUPLFURZDYLQJ0RVWJODVVFDVVHUROHV
FRRNLQJGLVKHVPHDVXULQJFXSVFXVWDUGFXSV
SRWWHU\RUFKLQDGLQQHUZDUHZKLFKGRHVQRWKDYH
PHWDOOLFWULPRUJOD]HZLWKDPHWDOOLFVKHHQFDQ
EHXVHG6RPHFRRNZDUHLVODEHOHG´VXLWDEOHIRU
PLFURZDYLQJµ
,I\RXDUHQRWVXUHLIDGLVKLVPLFURZDYHVDIHXVHWKLV
WHVW3ODFHLQWKHRYHQERWKWKHGLVK\RXDUHWHVWLQJDQG
DJODVVPHDVXULQJFXSILOOHGZLWKFXSRIZDWHU³VHWWKH
PHDVXULQJFXSHLWKHULQRUQH[WWRWKHGLVK0LFURZDYH
²VHFRQGVDWKLJK,IWKHGLVKKHDWVLWVKRXOGQRWEH
XVHGIRUPLFURZDYLQJ
,IWKHGLVKUHPDLQVFRRODQGRQO\WKHZDWHULQWKHFXS
KHDWVWKHQWKHGLVKLVPLFURZDYHVDIH
,I\RXXVHDPHDWWKHUPRPHWHUZKLOHFRRNLQJPDNHVXUHLW
LVVDIHIRUXVHLQPLFURZDYHRYHQV
'RQRWXVHUHF\FOHGSDSHUSURGXFWV5HF\FOHGSDSHU
WRZHOVQDSNLQVDQGZD[HGSDSHUFDQFRQWDLQPHWDO
IOHFNVZKLFKPD\FDXVHDUFLQJRULJQLWH3DSHUSURGXFWV
FRQWDLQLQJQ\ORQRUQ\ORQILODPHQWVVKRXOGEHDYRLGHG
VLQFHWKH\PD\DOVRLJQLWH
6RPH6W\URIRDPWUD\VOLNHWKRVHWKDWPHDWLVSDFNDJHG
RQKDYHDWKLQVWULSRIPHWDOHPEHGGHGLQWKHERWWRP
:KHQPLFURZDYHGWKHPHWDOFDQEXUQWKHIORRURIWKH
RYHQRULJQLWHDSDSHUWRZHO
1RWDOOSODVWLFZUDSLVVXLWDEOHIRUXVHLQPLFURZDYHRYHQV
&KHFNWKHSDFNDJHIRUSURSHUXVH
3DSHUWRZHOVZD[HGSDSHUDQGSODVWLFZUDSFDQEHXVHG
WRFRYHUGLVKHVLQRUGHUWRUHWDLQPRLVWXUHDQGSUHYHQW
VSDWWHULQJ%HVXUHWRYHQWSODVWLFZUDSVRVWHDPFDQ
HVFDSH
2YHUVL]HGIRRGRURYHUVL]HGPHWDOFRRNZDUHVKRXOGQRW
EHXVHGLQDPLFURZDYHRYHQ(OHFWULFDOVKRFNRUILUHFRXOG
RFFXU
:KLOHSDSHUSODWHVPD\EHXVHGIRUWLPHGFRRNLQJDQG
GHIURVWLQJGRQRWXVHWKHPZLWK$XWR6HQVRUFRRNLQJ8VH
PLFURZDYHVDIHSODWHVRUERZOVIRUUHKHDWLQJ&RYHUZLWK
SODVWLFZUDS
&RRNZDUHPD\EHFRPHKRWEHFDXVHRIKHDWWUDQVIHUUHG
IURPWKHKHDWHGIRRG3RWKROGHUVPD\EHQHHGHGWR
KDQGOHWKHFRRNZDUH
´%RLODEOHµFRRNLQJSRXFKHVDQGWLJKWO\FORVHGSODVWLF
EDJVVKRXOGEHVOLWSLHUFHGRUYHQWHGDVGLUHFWHGE\
SDFNDJH,IWKH\DUHQRWSODVWLFFRXOGEXUVWGXULQJRU
LPPHGLDWHO\DIWHUFRRNLQJSRVVLEO\UHVXOWLQJLQLQMXU\
$OVRSODVWLFVWRUDJHFRQWDLQHUVVKRXOGEHDWOHDVWSDUWLDOO\
XQFRYHUHGEHFDXVHWKH\IRUPDWLJKWVHDO:KHQFRRNLQJ
ZLWKFRQWDLQHUVWLJKWO\FRYHUHGZLWKSODVWLFZUDSUHPRYH
FRYHULQJFDUHIXOO\DQGGLUHFWVWHDPDZD\IURPKDQGVDQG
IDFH
8VHIRLORQO\DVGLUHFWHGLQWKLVPDQXDO79GLQQHUVPD\EH
PLFURZDYHGLQIRLOWUD\VOHVVWKDQµKLJKUHPRYHWKH
WRSIRLOFRYHUDQGUHWXUQWKHWUD\WRWKHER[:KHQXVLQJ
IRLOLQWKHPLFURZDYHRYHQNHHSWKHIRLODWOHDVWLQFK
DZD\IURPWKHVLGHVRIWKHRYHQ
3ODVWLFFRRNZDUH²3ODVWLFFRRNZDUHGHVLJQHGIRU
PLFURZDYHFRRNLQJLVYHU\XVHIXOEXWVKRXOGEHXVHG
FDUHIXOO\(YHQPLFURZDYHVDIHSODVWLFPD\QRWEH
DVWROHUDQWRIRYHUFRRNLQJFRQGLWLRQVDVDUHJODVVRU
FHUDPLFPDWHULDOVDQGPD\VRIWHQRUFKDULIVXEMHFWHG
WRVKRUWSHULRGVRIRYHUFRRNLQJ,QORQJHUH[SRVXUHVWR
RYHUFRRNLQJWKHIRRGDQGFRRNZDUHFRXOGLJQLWH
)ROORZWKHVHJXLGHOLQHV
8VHPLFURZDYHVDIHSODVWLFVRQO\DQGXVHWKHPLQ
VWULFWFRPSOLDQFHZLWKWKHFRRNZDUHPDQXIDFWXUHU·V
UHFRPPHQGDWLRQV
'RQRWPLFURZDYHHPSW\FRQWDLQHUV
'RQRWSHUPLWFKLOGUHQWRXVHSODVWLFFRRNZDUH
ZLWKRXWFRPSOHWHVXSHUYLVLRQ
0,&52:$9(6$)(&22.:$5(
WARNING
0RVWSDFHPDNHUVDUHVKLHOGHGIURPLQWHUIHUHQFHIURPHOHFWURQLFSURGXFWVLQFOXGLQJPLFURZDYHV
+RZHYHUSDWLHQWVZLWKSDFHPDNHUVPD\ZLVKWRFRQVXOWWKHLUSK\VLFLDQVLIWKH\KDYHFRQFHUQV
127,&(³3$&(0$.(56
