.XPSXODQ6RDO6RDO%DKDVD,QJJULV.

HODV,;

'LVXVXQ2OHK:LZLN:LGL\DWL


*5$00$5&251(5


0(0,17$,=,1$6.,1*3(50,66,21'$1/$5$1*$1352+,%,7,21



%HULNXW DGDODK EHEHUDSD IUDVH GDQ FRQWRK NDOLPDW \DQJ ELVD GLJXQDNDQ
XQWXNPHPLQWD L]LQ NHSDGD RUDQJ ODLQ DVNLQJSHUPLVVLRQ GDQODUDQJDQ
SURKLELWLRQ

$$VNLQJ3HUPLVVLRQ0HPLQWDL]LQ


 0HQJJXQDNDQ1RXQV3HUPLVVLRQ0LQWDL]LQ


&RQWRK.DOLPDW
,EHJ\RXSHUPLVVLRQWRHQWHUWKHURRP
$UWLQ\D6D\DPLQWDL]LQDQGDXQWXNPHPDVXNLUXDQJDQ
7KHWHDFKHUJLYHVPHSHUPLVVLRQWRJRRXW
$UWLQ\D*XUXPHPEHULVD\DL]LQXQWXNNHOXDU
(WF

 0HQJJXQDNDQ9HUEV3HUPLWOHWDOORZ,]LQPHPELDUNDQ

&RQWRK.DOLPDW
0\PRWKHUSHUPLWVPHWRVWD\DWKRPHDORQH
$UWLQ\D,EXNXPHQJL]LQNDQNXXQWXNWLQJJDOGLUXPDKVHQGLUL
$OORZPHWRSLFN\RXXS
$UWLQ\D,]LQNDQVD\DPHQMHPSXWPX
(WF

0D\,%ROHKNDKVD\D

&RQWRK.DOLPDW
0D\,ERUURZ\RXUSKRQHSOHDVH"
$UWLQ\D%ROHKNDKVD\DPHPLQMDPWHOHSRQNDPX"
0D\,VLWGRZQ"
$UWLQ\D%ROHKNDKVD\DGXGXN"
(WF


6031HJHUL&HSX



.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;


'LVXVXQ2OHK:LZLN:LGL\DWL

'R\RXPLQG*HUXQG$SDNDKNDPXNHEHUDWDQ
&RQWRK.DOLPDW
'R\RXPLQGDFFHSWLQJP\LGHD"
$UWLQ\D$SDNDKNDPXNHEHUDWDQPHQHULPDJDJDVDQNX"
'R\RXPLQGVWD\LQJKHUHRQHQLJKW"
$UWLQ\D$SDNDKNDPXNHEHUDWDQXQWXNWLQJJDOGLVLQLVHPDODP"
(WF

%3URKLELWLRQ/DUDQJDQ

 0HQJJXQDNDQ9HUEV3URKLELWIRUELG0HODUDQJ

&RQWRK.DOLPDW
0\PRWKHUSURKLELWVPHWRJRZLWK\RX
$UWLQ\D,EXNXPHODUDQJNXSHUJLGHQJDQPX
0\IDWKHUIRUELGVP\VLVWHUWRWDNHDZDONZLWKKHUIULHQGV
$UWLQ\D$\DKNXPHODUDQJDGLNNXMDODQMDODQGHQJDQWHPDQWHPDQQ\D
6PRNLQJLVIRUELGGHQ
$UWLQ\D0HURNRNLWXGLODUDQJ
(WF

 'RQW9HUE-DQJDQ

&RQWRK.DOLPDW
'RQWFORVHWKHGRRU$UWLQ\D-DQJDQWXWXSSLQWXQ\D
'RQWGLVWXUEPH$UWLQ\D-DQJDQPHQJJDQJJXNX
(WF

 'RQWEH$GMHFWLYHV-DQJDQ

&RQWRK.DOLPDW
'RQWEHQRLV\$UWLQ\D-DQJDQEHULVLNULEXW
'RQWEHOD]\$UWLQ\D-DQJDQPDODV
'RQWEHVK\$UWLQ\D-DQJDQPDOX




6031HJHUL&HSX

.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;

'LVXVXQ2OHK:LZLN:LGL\DWL

 'RQWEH$GYHUEV-DQJDQ


&RQWRK.DOLPDW
'RQWEHKHUH$UWLQ\D-DQJDQGLVLQL
'RQWEHRQ0RQGD\$UWLQ\D-DQJDQKDUL6HQLQ
(WF

1R*HUXQG'LODUDQJ

&RQWRK.DOLPDW
1RVPRNLQJ$UWLQ\D'LODUDQJPHURNRN
1RVZLPPLQJ$UWLQ\D'LODUDQJEHUHQDQJ
(WF

 0XVWQRW7LGDNEROHK

&RQWRK.DOLPDW
<RXPXVWQRWSOD\KHUH$UWLQ\DNDPXWLGDNEROHKEHUPDLQGLVLQL
<RXPXVWQRWFRPHODWH$UWLQ\D.DPXWLGDNEROHKGDWDQJWHODW
(WF


(OOLSWLFDO&RQVWUXFWLRQV

(OOLSWLFDO&RQVWUXFWLRQVDGDODKVXVXQDQNDOLPDW\DQJELVDGLJXQDNDQXQWXN
PHQJLQGLNDVLNDQ PHQXQMXNNDQ EDKZD VHVHRUDQJ EHQGD DWDX ELQDWDQJ
PHODNXNDQ WLGDN PHODNXNDQ VHVXDWX GDQ NHPXGLDQ PHQDPEDKNDQ
VHVHRUDQJ EHQGD DWDX ELQDWDQJ ODLQQ\D MXJD PHQJDODPL KDO \DQJ VDPD
)XQJVLGDUL(OOLSWLFDO&RQVWUXFWLRQVDGDODKXQWXNPHQJKLQGDULSHQJXODQJDQ
NDWD \DQJ WLGDN GLEXWXKNDQ WLGDN SHQWLQJ GDODP VXDWX NDOLPDW 8QWXN OHELK
MHODVQ\DVLODKNDQSHUKDWLNDQFRQWRKNDOLPDWGLEDZDKLQL

&RQWRK.DOLPDW(OOLSWLFDO&RQVWUXFWLRQV

,DPKDSS\DQG\RXDUHWRR
6D\DVHQDQJGDQNDPXMXJD

7KH\ZLOOZRUNLQWKHODEWRPRUURZDQGVRZLOO\RX
0HUHNDDNDQEHNHUMDGLODERUDWRULXPEHVRNGDQNDPXMXJD



6031HJHUL&HSX



.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;


'LVXVXQ2OHK:LZLN:LGL\DWL

,GLGQWJRWRVFKRROWKLVPRUQLQJDQG-RKQGLGQWHLWKHU
6D\DWLGDNSHUJLNHVHNRODKSDJLLQLGDQ-RKQMXJDWLGDN

,GLGQWJRWRVFKRROWKLVPRUQLQJDQGQHLWKHUGLG-RKQ
6D\DWLGDNSHUJLNHVHNRODKSDJLLQLGDQ-RKQMXJDWLGDN

%HUGDVDUNDQ FRQWRK NDOLPDW GL DWDV VHPRJD ELVD GL SDKDPL PHQJHQDL
SHQJJXQDDQ GDUL HOOLSWLFDO FRQVWUXFWLRQVLQL 3DGD FRQWRK NDOLPDW SHUWDPD
XQWXN PHQJKLQGDUL SHQJXODQJDQ NDWD GLPDQD DGD  RUDQJ \DQJ PHUDVD
EDKDJLDKDSS\ PDND NLWD PHQJJXQDNDQHOOLSWLFDO FRQVWUXFWLRQVXQWXN
PHQJKLQGDULSHQJXODQJDQWHUVHEXWGHQJDQPHQJJXQDNDQNDWDWRR$WXUDQ
\DQJVDPDMXJDEHUODNXXQWXNFRQWRKNDOLPDWODLQQ\D

%HQWXN'DUL(OOLSWLFDO&RQVWUXFWLRQV

$IILUPDWLYH$JUHHPHQW
1HJDWLYH$JUHHPHQW

$IILUPDWLYH$JUHHPHQW

8QWXN PHQJKLODQJNDQ SHQJXODQJDQ NDWD SDGD VXDWX NDOLPDW NLWD ELVD
PHQJJXQDNDQ NDWDVR DWDXWRR $GD SHUEHGDDQ SDGD VXVXQDQ
NDOLPDWQ\D NHWLND PHQJJXQDDQ NDWDVRGDQWRR 6LODKNDQ SHUKDWLNDQ
UXPXVEHULNXW

.HWLND KDQ\D DGDWR EHSDGD NODXVD XWDPD PDLQ FODXVH
PDNDWHQVHV\DQJVDPDGDULWREHGLJXQDNDQSDGDNODXVDNHGXDVHFRQG
FODXVH&RQWRKQ\D
,DPKXQJU\ ,DPKXQJU\DQG\RXDUHWRR
<RXDUHKXQJU\ ,DPKXQJU\DQGVRDUH\RX

$IILUPDWLYH VWDWHPHQW WR EH  6XEMHFWWREHWRR
DQG
6RWREHVXEMHFW

&RQWRKNDOLPDWODLQQ\D
7KHLUSODQHLVDUULYLQJDWRFORFNDQGVRLVPLQH
,DPVLFNDQG+HLVWRR
2XUFODVVLVFOHDQDQGVRDUHWKHLUV
%HOODLVEHDXWLIXODQGKHUVLVWHULVWRR
0\KDQGZULWLQJLVEDGDQGVRDUH\RX




6031HJHUL&HSX

.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;

'LVXVXQ2OHK:LZLN:LGL\DWL


.HWLND KDQ\D DGD NDWD NHUMD EDQWX DX[LOLDU\ YHUE FRQWRKQ\D ZLOO VKRXOG
KDVKDYHPXVWHWFSDGDNODXVDXWDPDPDLQFODXVHNDWDNHUMDEDQWXQ\D
DX[LOLDU\ YHUE MXJD GLJXQDNDQ SDGD NODXVD NHGXD VHFRQG FODXVH
&RQWRKQ\D

+HKDVVHHQKHUSOD\V +HKDVVHHQKHUSOD\VDQGWKHJLUOVKDYHWRR
7KH JLUOVKDYH VHHQKHU SOD\V  +HKDV VHHQKHU SOD\V DQGVR KDYH WKH
JLUOV

$IILUPDWLYHVWDWHPHQWDQG
6XEMHFWDX[LOLDU\YHUERQO\WRR
DX[LOLDU\YHUE
6RDX[LOLDU\YHUERQO\VXEMHFW

&RQWRKNDOLPDWODLQQ\D
7KH\ZLOOJRDWQRRQDQGVKHZLOOWRR
+HKDVDQHDUO\DSSRLQWPHQWDQGVRKDYH,
7KH\KDYHZULWWHQWKHLUO\ULFVDQGVRKDYHZH
5LFKDUGKDVOLYHGLQ&XEDIRUILYH\HDUVDQGWKH\KDYHWRR
,VKRXOGILQLVKWKHUHSRUWDQGVKHVKRXOGWRR

.HWLND KDQ\D DGD NDWD NHUMD YHUE WDQSDDX[LOLDU\ YHUESDGD NODXVD XWDPD
PDLQ FODXVH NDWD NHUMD EDQWXGRGRHV DWDXGLGGLJXQDNDQ SDGD NODXVD
NHGXDVHFRQGFODXVHGDQWHQVHVQ\DKDUXVVDPD&RQWRKQ\D
:HJRWRVFKRRO :HJRWRVFKRRODQGP\EURWKHUGRHVWRR
0\EURWKHUJRHVWRVFKRRO :HJRWRVFKRRODQGVRGRHVP\EURWKHU

$IILUPDWLYH VWDWHPHQW  6XEMHFW  GR GRHV GLG
DQG
WRR
VLQJOH YHUE H[FHSW WR 6RGR GRHV GLG
EH
VXEMHFW

&RQWRKNDOLPDWODLQQ\D
:HZDQWWREX\DIRXQWDLQDQGVKHGRHVWRR
0\PRWKHUOLNHVWUDYHOLQJDQGVRGRWKHLUPRWKHU
0\EURWKHULQYLWHVKLPWRWKHSDUW\DQGP\VLVWHUGRHVWRR
7KH\ZURWHDJRRGSRHPDQGVRGLGKH
)UHGFRRNHGIULHGULFHIRUKLVEUHDNIDVWDQG7LQDGLGWRR

1HJDWLYH$JUHHPHQW

(LWKHUGDQQHLWKHUPHPLOLNLIXQJVL\DQJVDPDVHSHUWLNDWDWRRGDQVR
SDGD NODXVD NHGXD VHFRQG FODXVH GDODP NDOLPDW SRVLWLI DIILUPDWLYH
VHQWHQFH DJUHHPHQW .DWD(LWKHUGDQQHLWKHULQL GLJXQDNDQ XQWXN
PHQJLQGLNDVLNDQ NDOLPDW QHJDWLYH QHJDWLYH VHQWHQFH DJUHHPHQW $WXUDQ


6031HJHUL&HSX



.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;


'LVXVXQ2OHK:LZLN:LGL\DWL

\DQJVDPDMXJDEHUODNXXQWXNSHQJJXQDDQWREHDX[LOLDU\YHUENDWDNHUMD
EDQWXGDQYHUENDWDNHUMD&RQWRKQ\D

,GLGQWJRWRWKHPRVTXH\HVWHUGD\DQG$OLGLGQWHLWKHU
,GLGQWJRWRWKHPRVTXH\HVWHUGD\DQGQHLWKHUGLG$OL

1HJDWLYHVWDWHPHQWDQG 6XEMHFW  QHJDWLYH DX[LOLDU\ RU WR EH
HLWKHU
1HLWKHUSRVLWLYH DX[LOLDU\ RU WR EH
VXEMHFW

&RQWRKNDOLPDWODLQQ\D

7KHPDQDJHULVQWWRRKDSS\ZLWKWKHSURMHFWDQGQHLWKHULVKLVDVVLVWDQW
:HFDQWVWXG\LQWKHOLEUDU\DQGKHFDQWHLWKHU
<RXGLGQWSD\WKHWD[HVDQGWKH\GLGQWHLWKHU
0\EURWKHUZRQWDFFHSWP\IDWKHUVGHFLVLRQDQGP\VLVWHUZRQWHLWKHU
+HGRHVQWNQRZWKHDQVZHUDQGQHLWKHUGRHVVKH






6031HJHUL&HSX

.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;

'LVXVXQ2OHK:LZLN:LGL\DWL

%27+$1''$112721/<%87$/62

3HUKDWLNDQ FRQWRK SHQJJXQDDQ%RWK  $QGGDQ1RW 2QO\  %XW DOVR SDGD
WDEHO GL EDZDK LQL%RWK  $QGGDQ1RW 2QO\  %XW DOVRDGDODK SDLUHG
FRQMXQFWLRQVNRQMXQJVLEHUSDVDQJDQ

%RWKP\ PRWKHUDQGP\ VLVWHU 'XDVXEMHFW\DQJ GLKXEXQJNDQ GHQJDQ ERWK 
DUHKHUH
DQGGLLNXWLROHKNDWDNHUMDYHUEWREHGDODP
$UWLQ\D .HGXDQ\D EDLN LEX EHQWXNMDPDN
VD\D GDQ VDXGDUD SHUHPSXDQ 
6LODKNDQ OLKDW FRQWRK GL VDPSLQJ %RWKP\
VD\DDGDGLVLQL
PRWKHUDQGP\ VLVWHUDUH KHUH 3DGD NDOLPDW

LQL VHWHODK SHQJJXQDDQERWK  DQG GLLNXWL ROHK
WREHEHQWXNMDPDN \DNQLDUHXQWXNPHZDNLOL
GXD VXEMHFW  \DQJ DGD \DNQL P\
PRWKHUGDQP\VLVWHU
1RWRQO\P\PRWKHUEXWDOVRP\ .HWLND GXDVXEMHFWGLKXEXQJNDQ GHQJDQ QRW
VLVWHULVKHUH
RQO\  EXW DOVRVXEMHFW \DQJ WHUGHNDW GHQJDQ
$UWLQ\D 7LGDN KDQ\D LEX VD\D NDWD NHUMD YHUEDWDXWR EH\DQJ PHQHQWXNDQ
WHWDSL MXJD VDXGDUD SHUHPSXDQ DSDNDKGDODPEHQWXNWXQJJDODWDXMDPDN
VD\DDGDGLVLQL

3HUKDWLNDQ FRQWRK GL VDPSLQJ1RW RQO\P\

1RW RQO\P\ VLVWHUEXW DOVRP\ PRWKHUEXW DOVRP\ VLVWHULV KHUH 3DGD
SDUHQWVDUHKHUH
NDOLPDW LQL VHWHODK SHQJJXQDDQQRW RQO\  EXW
$UWLQ\D 7LGDN KDQ\D VDXGDUD DOVRGLLNXWLROHKWREHEHQWXNWXQJJDOLVXQWXN
SHUHPSXDQ VD\D WHWDSL MXJD PHZDNLOLP\ VLVWHU VHEDJDLVXEMHFW WHUDNKLU 
RUDQJWXDVD\DDGDGLVLQL
WHUGHNDW

%HJLWX MXJD GHQJDQ FRQWRK NDOLPDW 1RW
RQO\P\ VLVWHUEXW DOVRP\ SDUHQWVDUHKHUH
6HWHODKSHQJJXQDDQQRWRQO\EXWDOVRGLLNXWL
ROHK WR EH EHQWXN MDPDN DUH XQWXN PHZDNLOL
P\SDUHQWVVHEDJDLVXEMHFWWHUDNKLUWHUGHNDW
7KH UHVHDUFK SURMHFW ZLOO 3HUKDWLNDQ VWUXNWXU VHUXSD SDGD FRQWRK GL
WDNHERWKWLPHDQGPRQH\
VDPSLQJ %HQWXN WDWD EDKDVD \DQJ ELVD
$UWLQ\D 3HQHOLWLDQ LQL DNDQ GLJXQDNDQ VHKDUXVQ\D MXJD VHVXDL GHQJDQ
PHPHUOXNDQ NHGXDQ\D EDLN SDVDQJDQNDWDQ\DPDVLQJPDVLQJ

ZDNWXGDQXDQJ
%RWKQRXQDQGQRXQ

<HVWHUGD\ LWQRW RQO\UDLQHGEXW 1RWRQO\YHUEEXWDOVRYHUE
DOVRVQRZHG
$UWLQ\D .HPDULQ EXNDQ KDQ\D
KXMDQ
WHWDSL
MXJD
WXUXQ
VDOMXEHUVDOMX
&$7$7$1
3DLUHG FRQMXQFWLRQVNRQMXQJVL EHUSDVDQJDQ MXJD GLVHEXW GHQJDQ FRUUHODWLYH
FRQMXQFWLRQV


6031HJHUL&HSX



.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;


'LVXVXQ2OHK:LZLN:LGL\DWL

(,7+(525'$11(,7+(5125

3HUKDWLNDQ FRQWRK SHQJJXQDDQ(LWKHU  2UGDQ1HLWKHU  1RUSDGD WDEHO GL
EDZDK
LQL(LWKHU

2UGDQ1HLWKHU

1RUDGDODKSDLUHG
FRQMXQFWLRQVNRQMXQJVLEHUSDVDQJDQ

(LWKHUP\ PRWKHURUP\ VLVWHU LV .HWLND GXD VXEMHFW GLKXEXQJNDQ GHQJDQ
KHUH
HLWKHU  RUGDQQHLWKHU  QRU VXEMHFW\DQJ
$UWLQ\D%DLNLEXVD\DDWDXVDXGDUD WHUGHNDW GHQJDQ NDWD NHUMD YHUE DWDX WR
SHUHPSXDQVD\DDGDGLVLQL
EH\DQJPHQHQWXNDQDSDNDKGDODPEHQWXN

WXQJJDODWDXMDPDN

3HUKDWLNDQ FRQWRK GL VDPSLQJ (LWKHU P\

PRWKHURUP\ VLVWHU LVKHUH 3DGD NDOLPDW
1HLWKHUP\
VLVWHUQRUP\ LQL VHWHODK SHQJJXQDDQHLWKHU  RUGLLNXWL
ROHKWR EHEHQWXN WXQJJDO LV XQWXN
SDUHQWVDUHKHUH
$UWLQ\D 7LGDN MXJD VDXGDUD PHZDNLOLP\ VLVWHU VHEDJDL VXEMHFW
SHUHPSXDQ VD\D DWDX RUDQJ WXD WHUDNKLUWHUGHNDW
VD\DDGDGLVLQL


%HJLWX MXJD GHQJDQ FRQWRK NDOLPDW
&$7$7$1
1HLWKHUP\ VLVWHUQRUP\ SDUHQWV DUH
(LWKHURUEHUPDNQDSRVLWLI
KHUH VHWHODK SHQJJXQDDQ QHLWKHU
VHGDQJNDQ1HLWKHUQRUEHUPDNQD QRUGLLNXWL ROHKWR EH EHQWXN MDPDN DUH
XQWXN PHZDNLOLP\ SDUHQWV VHEDJDL
QHJDWLI
VXEMHFWWHUDNKLUWHUGHNDW
,OO WDNH HLWKHU FKHPLVWU\ RU SK\VLFV %HUGDVDUNDQ VWUXNWXU VHUXSD SDGD FRQWRK
QH[WTXDUWHU
GL VDPSLQJ %HQWXN WDWD EDKDVD \DQJ ELVD
$UWLQ\D 6D\D DNDQ PHQJDPELO EDLN GLJXQDNDQVHKDUXVQ\DMXJDVHVXDLGHQJDQ
NLPLD DWDX ILVLND SDGD VHPHVWHU SDVDQJDQNDWDQ\DPDVLQJPDVLQJ
GHSDQ

(LWKHUQRXQRUQRXQ

7KDW ERRN LV QHLWKHU LQWHUHVWLQJ 1HLWKHUDGMHFWLYHQRUDGMHFWLYH
QRUDFFXUDWH
$UWLQ\D %XNX LWX WLGDN MXJD PHQDULN
DWDXSXQDNXUDW

&$7$7$1
3DLUHG FRQMXQFWLRQVNRQMXQJVL EHUSDVDQJDQ MXJD GLVHEXW GHQJDQFRUUHODWLYH
FRQMXQFWLRQV






6031HJHUL&HSX

.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;

'LVXVXQ2OHK:LZLN:LGL\DWL

4XHVWLRQ7DJV3HUWDQ\DDQ3HQHJDV

4XHVWLRQ 7DJV3HUWDQ\DDQ 7HJDV DGDODK VXDWX SHUWDQ\DDQ SHQGHN GL
DNKLU NDOLPDW SHUQ\DWDDQ \DQJ EHUIXQJVL XQWXN PHPSHUWHJDV SHUQ\DWDDQ
\DQJEHUVDQJNXWDQ

)XQJVL4XHVWLRQ7DJV3HUWDQ\DDQ3HQHJDV

3DGD XPXPQ\D 4XHVWLRQ 7DJVEHUIXQJVL XQWXN PHPLQWD SHQHJDVDQ GDUL
SHQGHQJDU WHQWDQJ VHVXDWX \DQJ EHOXP EHJLWX PH\DNLQNDQ SHPELFDUD DWDX
GDSDWGLNDWDNDQXQWXNPHPLQWDSHUVHWXMXDQGDULSHQGHQJDUDWDVSHUQ\DWDDQ
\DQJGLXFDSDNDQ

&RQWRK
+HLVDGRFWRULVQWKH"$UWLQ\D'LDVHRUDQJGRNWHUEXNDQ"

+H LV D GRFWRUGLD VHRUDQJ GRNWHU  PHUXSDNDQ NDOLPDW
SHUQ\DWDDQ 6WDWHPHQW \DQJ GLDMXNDQ VHGDQJNDQLVQW
KH"EXNDQ PHUXSDNDQ SHUWDQ\DDQ WHJDVQ\D4XHVWLRQ
7DJV

&$7$7$1
4XHVWLRQ 7DJV3HUWDQ\DDQ 7HJDV GLEHQWXN GDULWR EHPRGDO DX[LOLDULHV
GDQ$X[LOLDU\9HUEODLQQ\DLVDPDUHGRHVGRGLGFDQKDYHPD\PXVW
ZLOO VKDOO HWF\DQJ GLNRPELQDVLNDQ GHQJDQ3HUVRQDO 3URQRXQ.DWD *DQWL
2UDQJ\DLWX,ZH\RXWKH\KHVKHLW

&DUD0HPEXDWGDQ&RQWRK4XHVWLRQ7DJV

$GD EHEHUDSD DWXUDQ \DQJ KDUXV GLSHUKDWLNDQ SDGD VDDW
PHPEHQWXN4XHVWLRQ7DJV3HUWDQ\DDQ7HJDV\DLWX

$SDELOD 3HUQ\DWDDQQ\D6WDWHPHQWPHUXSDNDQ .DOLPDW 3RVLWLI  PDND
SHUWDQ\DDQWHJDVQ\D1HJDWLIFRQWRKQ\D

+HLVDGRFWRULVQWKH"$UWLQ\D'LDVHRUDQJGRNWHUEXNDQ"
6HEDOLNQ\D DSDELOD 3HUQ\DWDDQQ\D6WDWHPHQWPHUXSDNDQ .DOLPDW 1HJDWLI
PDNDSHUWDQ\DDQSHQHJDVQ\D3RVLWLIFRQWRKQ\D

<RXDUHQRWKDSS\DUH\RX"$UWLQ\D.DPXWLGDNVHQDQJEXNDQ"
0DU\LVQWKHUHLVVKH"$UWLQ\D0DU\WLGDNGLVLQLEXNDQNDQ"

6XEMHFWGDODP
3HUWDQ\DDQ
3HQHJDVQ\D7DJQ\D
KDUXV
VHODOX
EHUEHQWXN3HUVRQDO3URQRXQV.DWD*DQWL2UDQJ2UDQJFRQWRKQ\D


6031HJHUL&HSX



.XPSXODQ6RDO6RDO%DKDVD,QJJULV.HODV,;


'LVXVXQ2OHK:LZLN:LGL\DWL

*HRUJHJRHVWRVFKRROE\ELF\FOHGRHVQWKH"
$UWLQ\D*HRUJHSHUJLNHVHNRODKQDLNVHSHGDEXNDQ"
<RX/LNH7HDGRQW\RX"
$UWLQ\D.DPXVXNDWHKEXNDQ"

$SDELOD GDODP NDOLPDW SHUQ\DWDDQ PHQJJXQDNDQ7R %H .DWD .HUMD
%DQWX7R %H \DLWXLV DP DUH ZDV ZHUH PDNDWR EHWHUVHEXW KDUXV
GLXODQJ GDODP 3HUWDQ\DDQ 3HQHJDV7DJGHQJDQ EHQWXN \DQJ EHUODZDQDQ
FRQWRKQ\D


<RXDUHQRWDSROLFHPDQDUH\RX"$UWLQ\D.DPXEXNDQSROLVLEXNDQNDQ"
VDPDVHSHUWLFRQWRKFDUDPHPEHQWXNTXHVWLRQWDJQRPRU GLDWDV


3(5.(&8$/,$1
$SDELOD GDODP NDOLPDW SHUQ\DWDDQ SRVLWLI WHUGDSDWWR EHDP\DQJ
EHUSDVDQJDQ GHQJDQ VXE\HN, , DP PDND GDODP SHUWDQ\DDQ SHQHJDVWR
EHKDUXVGLJDQWLGHQJDQDUHFRQWRKQ\D


,DPDVWXGHQWDUHQW,"$UWLQ\D6D\DVHRUDQJSHODMDUEXNDQ"


6HGDQJNDQ DSDELOD NDOLPDW \DQJ PHQJJXQDNDQ VXE\HN, DPEHUEHQWXN

QHJDWLI PDND GDODP SHUWDQ\DDQ SHQHJDVQ\DWR EHDPWLGDN PHQJDODPL
SHUXEDKDQFRQWRKQ\D

,DPQRWDVHUYDQWDP,"$UWLQ\D6D\DEXNDQSHOD\DQEXNDQ"

$SDELOD GDODP NDOLPDW SHUQ\DWDDDQ PHQJJXQDNDQ .DWD .HUMD
%DQWX$X[LOLDU\ 9HUE\DLWXFDQ PD\ VKRXOG ZRXOG ZLOO VKDOO KDV KDG
VHODLQWR EH PDND .DWD .HUMD %DQWX WHUVHEXW KDUXV GLXODQJ GL GDODP
3HUWDQ\DDQ3HQHJDVQ\D7DJGHQJDQEHQWXN\DQJEHUODZDQDQFRQWRKQ\D

6KHZLOOLQYLWHXVZRQWVKH"$UWLQ\D'LDDNDQPHQJXQGDQJNLWDEXNDQ"

$SDELOD GDODP NDOLPDW SHUQ\DWDDQ\D WLGDN PHQJJXQDNDQ .DWD .HUMD
%DQWX$X[LOLDU\ 9HUEDWDX KDQ\D EHUXSD .DWD .HUMD9HUE PDND GDODP
SHUWDQ\DDQ SHQHJDVQ\D7DJKDUXV PHQJJXQDNDQGR GRHV DWDX GLG
WHUJDQWXQJ7HQVHV\DQJGLJXQDNDQFRQWRKQ\D

3DWULFLDORRNVSDOHGRHVQWVKH"$UWLQ\D3DWULFLDNHOLKDWDQSXFDWEXNDQ"

6HGDQJNDQ XQWXN NDOLPDW SHULQWDK DWDX DMDNDQ PDND 3HUWDQ\DDQ
3HQHJDV4XHVWLRQ
7DJ
GLEHQWXN
GHQJDQ
PHQJJXQDNDQZLOO
\RXGDQVKDOOZHFRQWRKQ\D

6WRSWKHQRLVHZLOO\RX"


6031HJHUL&HSX