/223%$1'
:HONRPLQGHZHUHOGYDQ7XQWXUL)LWQHVV
+DUWHOLMNGDQNYRRUXZDDQNRRSYDQGLW7XQWXULWRHVWHO7XQWXULELHGWHHQJURWH
YHUVFKHLGHQKHLGDDQSURIHVVLRQHOHWRHVWHOOHQ]RDOVFURVVWUDLQHUVORRSEDQGHQ
ILHWVWUDLQHUVURHLPDFKLQHVHQWULOSODWHQ+HW7XQWXULWRHVWHOLVJHVFKLNWYRRUGHKHOH
IDPLOLHRQDIKDQNHOLMNYDQGHFRQGLWLH0HHULQIRUPDWLHYLQGWXRSGHZHEVLWH
ZZZWXQWXULFRP
9HLOLJKHLGVZDDUVFKXZLQJHQ
:$$56&+8:,1*
ದ /HHVGHYHLOLJKHLGVZDDUVFKXZLQJHQHQGHLQVWUXFWLHV+HWQLHW
RSYROJHQYDQGHYHLOLJKHLGVZDDUVFKXZLQJHQHQGHLQVWUXFWLHVNDQ
SHUVRRQOLMNOHWVHORIEHVFKDGLJLQJYDQKHWWRHVWHOYHURRU]DNHQ
%HZDDUGHYHLOLJKHLGVZDDUVFKXZLQJHQHQLQVWUXFWLHVYRRU
WRHNRPVWLJJHEUXLN
:$$56&+8:,1*
ದ +DUWVODJEHZDNLQJVV\VWHPHQNXQQHQRQQDXZNHXULJ]LMQ2YHUPDWLJ
WUDLQHQNDQOHLGHQWRWHUQVWLJOHWVHORIGHGRRG$OVX]LFKGXL]HOLJ
YRHOWVWRSGDQRQPLGGHOOLMNPHWWUDLQHQ=LHLOOXVWUDWLH'YRRUGH
MXLVWHSRVLWLHRSGHORRSPDW
ႛ +HWWRHVWHOLVXLWVOXLWHQGJHVFKLNWYRRUKXLVKRXGHOLMNHQSURIHVVLRQHHOJHEUXLN
ELMY]LHNHQKXL]HQEUDQGZHHUND]HUQHVKRWHOVVFKROHQHWF+HWPD[LPXP
JHEUXLNLVEHSHUNWWRWXXUSHUGDJ+HWWRHVWHOLVQLHWJHVFKLNWYRRUYROOHGLJ
FRPPHUFLHHOJHEUXLNELMYJURWHVSRUWVFKROHQ
ႛ +HWJHEUXLNYDQGLWWRHVWHOGRRUNLQGHUHQRISHUVRQHQPHWI\VLHNHVHQVRULVFKH
JHHVWHOLMNHRIPRWRULVFKHKDQGLFDSVRIPHWJHEUHNDDQHUYDULQJHQNHQQLVNDQ
JHYDDUYHURRU]DNHQ'HSHUVRQHQGLHYHUDQWZRRUGHOLMN]LMQYRRUKXQYHLOLJKHLG
PRHWHQXLWGUXNNHOLMNHLQVWUXFWLHVJHYHQRIWRH]LFKWKRXGHQRSKHWJHEUXLNYDQKHW
WRHVWHO
ႛ /DDWXZJH]RQGKHLGGRRUHHQDUWVFRQWUROHUHQYRRUGDWXPHWXZWUDLQLQJEHJLQW
ႛ $OVXPLVVHOLMNKHLGGXL]HOLJKHLGRIDQGHUHDEQRUPDOHV\PSWRPHQHUYDDUWVWRS
GDQRQPLGGHOOLMNPHWXZWUDLQLQJHQUDDGSOHHJHHQDUWV
1/
581