,PPXQL) Dwlrqlqsudfwlfh: 7udlqhuv JXLGH
,PPXQL) Dwlrqlqsudfwlfh: 7udlqhuv JXLGH
2ULJLQDO(QJOLVK
'LVWULEXWLRQ*HQHUDO
,PPXQL]DWLRQLQSUDFWLFH
7UDLQHUVªJXLGH
2UGHULQJFRGH:+2(3,75$0
3ULQWHG$SULO
7KLVDQGRWKHU*39GRFXPHQWVDUHDYDLODEOHRQWKH,QWHUQHW
DWWKH*39'RFXPHQW&HQWUHZHEVLWH
KWWSZZZZKRFKJSYGRFXPHQWV
&RSLHVPD\EHUHTXHVWHGIURP
:RUOG+HDOWK2UJDQL]DWLRQ
*OREDO3URJUDPPHIRU9DFFLQHVDQG,PPXQL]DWLRQ
&+*HQHYD6ZLW]HUODQG
)D[B(PDLOJSY#ZKRFK
:RUOG+HDOWK2UJDQL]DWLRQ
7KLV GRFXPHQW LV QRW D IRUPDO SXEOLFDWLRQ RI WKH :RUOG +HDOWK 2UJDQL]DWLRQ
:+2 DQG DOO ULJKWV DUH UHVHUYHG E\ WKH 2UJDQL]DWLRQ 7KH GRFXPHQW PD\
KRZHYHUEHIUHHO\UHYLHZHGDEVWUDFWHGUHSURGXFHGDQGWUDQVODWHGLQSDUWRULQ
ZKROHEXWQRWIRUVDOHQRUIRUXVHLQFRQMXQFWLRQZLWKFRPPHUFLDOSXUSRVHV
7KH YLHZV H[SUHVVHG LQ GRFXPHQWV E\ QDPHG DXWKRUV DUH VROHO\ WKH
UHVSRQVLELOLW\RIWKRVHDXWKRUV
LL ,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
7DEOHRIFRQWHQWV
,QWURGXFWLRQ
3ODQQLQJDWUDLQLQJSURJUDPPHXVLQJ,PPXQL]DWLRQLQ3UDFWLFH
6XJJHVWLRQVIRUVNLOOSUDFWLFH
1RWHVRQH[HUFLVHVLQWKHOHDUQLQJDFWLYLWLHVPDQXDO
6XSSOHPHQWDU\PDWHULDOV
:+2(3,75$0 LLL
,QWURGXFWLRQ
,PPXQL]DWLRQLQ3UDFWLFHLVDVHWRIPDWHULDOVLQWHQGHGWREHXVHGE\DQGIRUKHDOWK
ZRUNHUV ZKR JLYH LPPXQL]DWLRQV 7KH PDWHULDOV FDQ EH XVHG IRU UHIHUHQFH
SXUSRVHVLQWKHILHOGDQGDVDWRRO IRU WUDLQLQJ KHDOWK ZRUNHUV ZKR DUH HQWHULQJ
WKHZRUNIRUFHRUZKRVHVNLOOVQHHGXSGDWLQJ
7KH,PPXQL]DWLRQLQ3UDFWLFHSDFNDJHFRQVLVWVRIPRGXOHVOHDUQLQJDFWLYLWLHVDQG
DWUDLQHUVªJXLGH7KHPRGXOHVGHVFULEH ZKDW KHDOWK ZRUNHUV QHHG WR NQRZ DQG
ZKDWWKH\VKRXOGEHFDSDEOHRILQRUGHUWRSURYLGHLPPXQL]DWLRQVHUYLFHV
)RXUWHFKQLFDOPRGXOHVGHDOZLWK
• (3,WDUJHWGLVHDVHV
• (3,YDFFLQHV
• WKHFROGFKDLQ
• HQVXULQJVDIHLQMHFWLRQV
7KHUHDUHDOVRQLQHPRGXOHVRILQVWUXFWLRQVRQ
• RUJDQL]LQJLPPXQL]DWLRQVHVVLRQV
• UHJLVWHULQJDQGDVVHVVLQJLPPXQL]DWLRQFOLHQWV
• SUHSDULQJYDFFLQHVIRUXVH
• JLYLQJLPPXQL]DWLRQV
• FOHDQLQJXSDIWHUDQLPPXQL]DWLRQVHVVLRQ
• FRPPXQLFDWLQJZLWKSDUHQWVDQGLQYROYLQJFRPPXQLWLHV
• PRQLWRULQJLPPXQL]DWLRQFRYHUDJH
• PRQLWRULQJFDVHVGLVHDVHVXUYHLOODQFH
:+2(3,75$0
7KHVHPDWHULDOVFDQEHXVHGLQZKROHRULQSDUWIRU
• SUHVHUYLFHHGXFDWLRQLQDFDGHPLFLQVWLWXWLRQV
• EDVLFWUDLQLQJIRUQHZO\DSSRLQWHGKHDOWKZRUNHUV
• UHIUHVKHUWUDLQLQJ
• VHOILQVWUXFWLRQ
• RQWKHMREUHIHUHQFH
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
3ODQQLQJDWUDLQLQJ
SURJUDPPH XVLQJ
,PPXQL]DWLRQLQ3UDFWLFH
*HQHUDO SODQQLQJ JXLGHOLQHV DUH JLYHQ LQ :+2 SXEOLFDWLRQV VXFK DV*XLGHOLQHV
IRU SODQQLQJ WUDLQLQJ DFWLYLWLHV IRU LPPXQL]DWLRQ DQG GLVHDVH FRQWURO VHUYLFHV
:+2(3,75$0
6SHFLDO FRQVLGHUDWLRQV IRU SODQQLQJ D FRXUVH XVLQJ ,PPXQL]DWLRQ LQ 3UDFWLFH DUH
GLVFXVVHGEHORZ
:KDWGHFLVLRQVPXVWEHPDGHILUVW"
%HIRUHLGHQWLI\LQJSDUWLFLSDQWVIDFLOLWDWRUVIDFLOLWLHVDQGHTXLSPHQWIRUDWUDLQLQJ
SURJUDPPH VRPHRQH PXVW GHFLGH RQ WKH REMHFWLYHV WKH WRSLFV WR EH LQFOXGHG
WKHOHDUQLQJDFWLYLWLHVWKHPDWHULDOVIURP,PPXQL]DWLRQLQ3UDFWLFH DQG HOVHZKHUH
WREHXVHGDQGWKH PRVW HIIHFWLYH VHTXHQFH RI DFWLYLWLHV $ PDVWHU WUDLQHU LV WKH
SHUVRQEHVWHTXLSSHGWRGRWKLV
:KRLVWREHWUDLQHG"
7KH ,PPXQL]DWLRQ LQ 3UDFWLFH PDWHULDOV FDQ EH XVHG WR PHHW D YDULHW\ RI WUDLQLQJ
QHHGV7KHSDUWLFLSDQWVPD\EH
− KHDOWKZRUNHUVZKRKDYHUHFHQWO\EHHQKLUHGWUDQVIHUUHGRUSURPRWHG
− KHDOWKZRUNHUVZKRQHHGWRLPSOHPHQWQHZSROLFLHVHJWKHRSHQHGYLDO
SROLF\
− KHDOWKZRUNHUVZKRQHHGWRXVHQHZHTXLSPHQWHJYDFFLQHYLDOPRQLWRUV
− KHDOWKZRUNHUVZKRDUHSHUIRUPLQJSRRUO\DVLQGLFDWHGIRUH[DPSOHE\WKH
RFFXUUHQFHRIDEVFHVVHVLQFOLHQWVDIWHULQMHFWLRQVKDYHEHHQJLYHQIDLOXUHWR
VXEPLWURXWLQHUHSRUWVRUIDLOXUHWRUHDFKFRYHUDJHWDUJHWV
− VWXGHQWV
:+2(3,75$0
+RZPDQ\SDUWLFLSDQWVVKRXOGWKHUHEH"
,PPXQL]DWLRQLQ3UDFWLFHFDQEHXVHGE\LQGLYLGXDOVRUE\JURXSVRIYDULRXVVL]HV
)RU WUDLQLQJ LQ EDVLF LPPXQL]DWLRQ VNLOOV ZKLFK UHTXLUHV H[WHQVLYH KDQGVRQ
SUDFWLFHWKHUHVKRXOGQRWEHPRUHWKDQSDUWLFLSDQWV
:KRLVUHVSRQVLEOHIRUZKDW"
$WUDLQLQJSURJUDPPHQHHGVDFRXUVHGLUHFWRUDPDVWHUWUDLQHUIDFLOLWDWRUVDQG
DGPLQLVWUDWLYH DQG VXSSRUW VWDII 7KH IXQFWLRQV RI FRXUVH GLUHFWRU DQG PDVWHU
WUDLQHUPD\EHSHUIRUPHGE\WKHVDPHLQGLYLGXDOLIGHVLJQZRUNLVPLQLPDO
7KHFRXUVHGLUHFWRURUJDQL]HVWKHWUDLQLQJSURJUDPPHDQGFRRUGLQDWHVDFWLYLWLHV
7KH PDVWHU WUDLQHU GHVLJQV WKH FXUULFXOXP ,I ,PPXQL]DWLRQ LQ 3UDFWLFH LV EHLQJ
XVHGIRUWUDLQLQJLQEDVLFLPPXQL]DWLRQ VNLOOV D PDVWHU WUDLQHU ZLOO EH QHHGHG WR
SODQWKHSUDFWLFHFRPSRQHQWDQGLQWHJUDWHLWZLWKWKHRWKHUPDWHULDOV
)DFLOLWDWRUVSURYLGHLQIRUPDWLRQRUJDQL]HOHDUQLQJWDVNVVXSHUYLVHVNLOOSUDFWLFH
HYDOXDWHWKHSURJUHVVRISDUWLFLSDQWVDQGSURYLGHIHHGEDFN
+RZPDQ\IDFLOLWDWRUVDUHQHHGHGDQGZKDWTXDOLILFDWLRQVVKRXOG
WKH\KDYH"
)RUD EDVLF LPPXQL]DWLRQ VNLOOV FRXUVH WKH QXPEHU RI SDUWLFLSDQWV SHU IDFLOLWDWRU
VKRXOG QRW H[FHHG VL[ EHFDXVH GHPRQVWUDWLRQ JXLGDQFH DQG REVHUYDWLRQ E\
IDFLOLWDWRUV DUH VR FULWLFDO GXULQJ SUDFWLFH )HZHU IDFLOLWDWRUV DUH XVXDOO\ QHHGHG
IRUDUHIUHVKHUFRXUVH
)DFLOLWDWRUVVKRXOGNQRZWKHFRQWHQWRI,PPXQL]DWLRQLQ3UDFWLFHDQGEH VNLOOHG LQ
WKH DVSHFWV RI SURYLGLQJ LPPXQL]DWLRQ VHUYLFH ZKLFK WKH\ DUH WHDFKLQJ 7KH\
VKRXOG EH YHUVHG LQ WHDFKLQJ RWKHUV KRZ WR SHUIRUP SV\FKRPRWRU
FRPPXQLFDWLRQDQGRUJDQL]DWLRQDOVNLOOV
+RZORQJVKRXOGWUDLQLQJODVW"
7KLV GHSHQGV RQ WKH SXUSRVH RI WKH FRXUVH DQG WKH H[SHULHQFH RI WKH
SDUWLFLSDQWV $ EDVLF FRXUVH RQ LPPXQL]DWLRQ VNLOOV IRU SHUVRQQHO ZKR DUH
DOUHDG\ ZRUNLQJ WDNHV DSSUR[LPDWHO\ WZR ZHHNV 0RUH WLPH LV QHHGHG LI WKH\
KDYHQHYHUJLYHQLQMHFWLRQV
$UHIUHVKHUFRXUVHWDNHVOHVVWLPH
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
:KDWIDFLOLWLHVDUHQHHGHG"
,I WKH SURJUDPPH LQFOXGHV FOLQLFDO SUDFWLFH WKH WUDLQLQJ FHQWUH VKRXOG EH QHDU
KHDOWKIDFLOLWLHVWRZKLFKWKHSDUWLFLSDQWVKDYHDFFHVV
:KDWPDWHULDOVDQGHTXLSPHQWDUHQHHGHG"
7UDLQLQJDLGV
,IXVLQJRYHUKHDGVDQG RWKHU YLVXDO DLGV \RX ZLOO QHHG DQ RSHUDWLRQDO RYHUKHDG
SURMHFWRUDILOPSURMHFWRU RU D VOLGH SURMHFWRU DQG D SURMHFWLRQ VFUHHQ <RX ZLOO
DOVRQHHGDUHOLDEOHVRXUFHRISRZHU
&RQVXPDEOHV
)RUPRVWWUDLQLQJSURJUDPPHVSDUWLFLSDQWVDQGIDFLOLWDWRUVQHHG
− QHZVSULQWIRUIOLSFKDUWV
− PDUNHUSHQV
− ZULWLQJSDGV
− EDOOSRLQWSHQV
− SHQFLOV
7UDLQLQJHTXLSPHQW
7KH SUDFWLFH HTXLSPHQW \RX QHHG GHSHQGV RQ WKH FRQWHQW RI WKH WUDLQLQJ
SURJUDPPH,WPD\LQFOXGH
− FOHDQLQJDQGVWHULOL]LQJHTXLSPHQW
− LQMHFWLRQHTXLSPHQW
− GLVSRVDOHTXLSPHQW
− YLDOVRIYDFFLQH
− FROGFKDLQHTXLSPHQWHJUHIULJHUDWRUVYDFFLQHFDUULHUVDQGWKHUPRPHWHUV
− LPPXQL]DWLRQFDUGVSDWLHQWUHJLVWHUVWDOO\VKHHWVDQGUHSRUWLQJIRUPV
6HHWKHPRGXOHVIRUH[DFWGHVFULSWLRQVRIZKDWLVQHHGHG,WLVFULWLFDOWRKDYH DOO
WKHQHFHVVDU\HTXLSPHQWEHIRUHEHJLQQLQJDVHVVLRQ
:+2(3,75$0
+RZFDQWUDLQLQJEHHYDOXDWHG"
0HWKRGV IRU HYDOXDWLQJ WKH HIIHFWLYHQHVV RI D FRXUVH VKRXOG EH VHOHFWHG EHIRUH
WKH SURJUDPPH DQG HYDOXDWLRQ IRUPV DUH SUHSDUHG 7KH PRVW FRPPRQO\ XVHG
PHWKRGVLQFOXGH
− UHDFWLRQHYDOXDWLRQ¥WRGHWHUPLQHWKHSDUWLFLSDQWVªVDWLVIDFWLRQZLWKWKH
FRXUVH
− OHDUQLQJHYDOXDWLRQ¥WRGHWHUPLQHKRZPXFKWKHSDUWLFLSDQWVKDYHOHDUQW
GXULQJWKHFRXUVH
− SHUIRUPDQFHHYDOXDWLRQRQWKHMREZKHQWKHFRXUVHKDVEHHQFRPSOHWHGWR
GHWHUPLQHWKHH[WHQWWRZKLFKWKHSDUWLFLSDQWVDUHDEOHWRXVHWKHVNLOOVDQG
NQRZOHGJHLPSDUWHG
7KH LPSDFW RI WUDLQLQJ RQ WKH DWWDLQPHQW RI SURJUDPPH JRDOV FDQ DOVR EH
HYDOXDWHG)RUWKLV\RXQHHGEDVHOLQH GDWD DQG \RX PXVW ZDLW IRU D SHULRG DIWHU
WUDLQLQJIRUWKHLPSDFWWREHIHOW
)RUPRUH LQIRUPDWLRQ VHH 7UDLQLQJ HYDOXDWLRQ D JXLGH WR WKH HYDOXDWLRQ RI WUDLQLQJ
FRXUVHV RQ LPPXQL]DWLRQ DQG RWKHU GLVHDVH FRQWURO DFWLYLWLHV
:+2(3,75$0
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
6XJJHVWLRQVIRUVNLOOSUDFWLFH
,Q RUGHU WR OHDUQ WKH VNLOOV KRZHYHU WKH\ QHHG JXLGDQFH IURP H[SHULHQFHG
SHRSOH0DVWHUWUDLQHUVDQGIDFLOLWDWRUVPXVW RUJDQL]H VNLOOEXLOGLQJ H[SHULHQFHV
GXULQJ WUDLQLQJ GHPRQVWUDWH FRUUHFW SURFHGXUHV DQG REVHUYH DQG SURYLGH
IHHGEDFN WR SDUWLFLSDQWV DV WKH\ SUDFWLVH WKH VNLOOV 6R WKDW WKH SDUWLFLSDQWV FDQ
PDVWHU WKH VNLOOV ZLWKRXW GRLQJ KDUP WKH\ PXVW ILUVW SUDFWLVH LQ VDIH VHWWLQJV
ZKHUH WKH\ FDQ PDNH PLVWDNHV :KHQ \RX DQG WKH\ DUH FRQILGHQW DERXW WKHLU
VNLOOVWKHSDUWLFLSDQWVPXVWSUDFWLVHLQDUHDOFOLQLFDOVHWWLQJVWLOOKRZHYHUFORVHO\
VXSHUYLVHG
%HORZ DUH VXJJHVWLRQV IRU VNLOO SUDFWLFH DFWLYLWLHV WKDW FDQ EH LQFRUSRUDWHG LQWR
,PPXQL]DWLRQLQ3UDFWLFHPRGXOHV
:+2(3,75$0
0RGXOH7KHFROGFKDLQ
3V\FKRPRWRUVNLOOSUDFWLFH
$VN SDUWLFLSDQWV WR ORDG D YDFFLQH FDUULHU RI WKH W\SH IRXQG LQ ORFDO KHDOWK
FHQWUHVZLWKYDFFLQHVGLOXHQWDQGLFHSDFNV
$VN HDFK SDUWLFLSDQW WR SUDFWLVH UHDGLQJ WKH W\SHV RI WKHUPRPHWHUV DQG RWKHU
PRQLWRUV XVHG LQ WKHLU KHDOWK FHQWUHV 3ODFH WKH WKHUPRPHWHUV LQ YDULRXV
ORFDWLRQVLQRUGHUWKDWGLIIHUHQWWHPSHUDWXUHVPD\EHUHDG
$VNHDFKSDUWLFLSDQWWRILOOLQDWHPSHUDWXUHFKDUWXVLQJGDWDWKDW\RXSURYLGH
)UHH]H VRPH '37 77 DQG KHSDWLWLV % YDFFLQHV WKDZ WKHP DQG DVN HDFK
SDUWLFLSDQW WR XVH WKH VKDNH WHVW WR FRPSDUH WKHVH YDFFLQHV ZLWK RQHV IURP WKH
VDPHPDQXIDFWXUHUZKLFKKDYHQHYHUEHHQIUR]HQ
0RGXOH(QVXULQJVDIHLQMHFWLRQV
3V\FKRPRWRUVNLOOSUDFWLFH
$VN HDFK SDUWLFLSDQW WR SUDFWLVH IOXVKLQJ VRDNLQJ FOHDQLQJ DQG FKHFNLQJ
V\ULQJHV DQG QHHGOHV EHIRUH VWHULOL]DWLRQ XVLQJ WKH VDPH HTXLSPHQW DV LV
DYDLODEOH LQ ORFDO KHDOWK FHQWUHV 7KHQ DVN WKH SDUWLFLSDQWV WR ORDG V\ULQJHV DQG
QHHGOHVLQWRDVWHULOL]HUDQGSUHSDUHIRUDQGFDUU\RXWVWHULOL]DWLRQ
*LYHGLVSRVDOHTXLSPHQWWRWKHSDUWLFLSDQWVDQGDVNWKHPWRIROORZWKHVWHSV IRU
GLVSRVLQJRIV\ULQJHVDQGQHHGOHV
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH2UJDQL]LQJLPPXQL]DWLRQVHVVLRQV
2UJDQL]DWLRQDOVNLOOSUDFWLFH
3URYLGH WKH HTXLSPHQW QHHGHG IRU DQ LPPXQL]DWLRQ VHVVLRQ DQG DVN WKH
SDUWLFLSDQWV WR DUUDQJH WKH IXUQLWXUH DQG HTXLSPHQW LQ WKH FODVVURRP WR
UHSUHVHQW D IL[HG RU RXWUHDFK LPPXQL]DWLRQ VLWH 7KH\ VKRXOG ODEHO WKH VWDWLRQV
DQGVKRZKRZWRJXLGHWKHIORZRIFOLHQWV
$OWHUQDWLYHO\DVNWKHSDUWLFLSDQWVWRGUDZPDSVLQGLFDWLQJWKHDUUDQJHPHQWVIRU
LPPXQL]DWLRQ VHVVLRQV LQ WKHLU KHDOWK FHQWUHV WR LGHQWLI\ SUREOHPV DVVRFLDWHG
ZLWKWKHDUUDQJHPHQWVDQGWRVHHNVROXWLRQV
0RGXOH'XULQJDVHVVLRQUHJLVWHULQJDQGDVVHVVLQJFOLHQWV
5HFRUGNHHSLQJVNLOOSUDFWLFH
$VN HDFK SDUWLFLSDQW WR HQWHU GDWD WKDW \RX SURYLGH RUDOO\ RQ EODQN
LPPXQL]DWLRQ FDUGV DQG SDWLHQW UHJLVWHU SDJHV RI WKH NLQG XVHG LQ \RXU
LPPXQL]DWLRQSURJUDPPH
&OLHQWDVVHVVPHQWVNLOOSUDFWLFH¥UROHSOD\
$VNDSDUWLFLSDQWWRSOD\WKHUROHRIDKHDOWKZRUNHUZKRLVVFUHHQLQJDFOLHQWIRU
LPPXQL]DWLRQ$VNDQRWKHUSDUWLFLSDQWWRSOD\WKHUROHRIDFOLHQWRUWKHSDUHQWRI
D FOLHQW DQG SURYLGH KHU RU KLP ZLWK LQIRUPDWLRQ DERXW WKH DJH LPPXQL]DWLRQ
VWDWXVDQGKHDOWKRIWKHFOLHQW7KHKHDOWKZRUNHUKDVWRGHFLGH ZKDW YDFFLQHV
DQGGRVHVWRJLYHWKHFOLHQW
$VNHDFK SDUWLFLSDQW WR SOD\ WKH UROH RI KHDOWK ZRUNHU DQG JLYH GLIIHUHQW FOLHQW
SURILOHV WR GLIIHUHQW KHDOWK ZRUNHUV LQ RUGHU WR GHDO ZLWK DOO WKH DVSHFWV RI
DVVHVVLQJFOLHQWVGLVFXVVHGLQWKHPRGXOH
&RPELQHGFOLHQWDVVHVVPHQWDQGUHFRUGNHHSLQJVNLOOSUDFWLFH
&OLQLFDOSUDFWLFH
:KHQ WKH DVVHVVPHQW DQG UHJLVWUDWLRQ VNLOOV KDYH EHHQ GHYHORSHG HDFK
SDUWLFLSDQW VKRXOG SUDFWLVH WKHP XQGHU VXSHUYLVLRQ ZLWK UHDO FOLHQWV LQ D KHDOWK
FHQWUH
:+2(3,75$0
0RGXOH'XULQJDVHVVLRQSUHSDULQJYDFFLQHV
3V\FKRPRWRUVNLOOSUDFWLFH
$VNHDFKSDUWLFLSDQWWRSUDFWLVHHDFKRIWKHIROORZLQJSURFHGXUHVLQLWLDOO\LQWKH
FODVVURRP DQG WKHQ LQ WKH FOLQLF XQGHU FDUHIXO VXSHUYLVLRQ ZDVKLQJ KDQGV
RSHQLQJDVWHULOL]HUDVVHPEOLQJDVWHULOHV\ULQJHDQGQHHGOHFKHFNLQJYLDOODEHOV
FKHFNLQJ D YDFFLQH YLDO PRQLWRU FOHDQLQJ D FOLHQWªV VNLQ RSHQLQJ D YLDO DQG
DPSRXOH GUDZLQJ YDFFLQH IURP WKH YLDO DQG UHFRQVWLWXWLQJ %&* PHDVOHV DQG
\HOORZIHYHUYDFFLQHV
0RGXOH'XULQJDVHVVLRQJLYLQJLPPXQL]DWLRQV
3V\FKRPRWRUVNLOOSUDFWLFH
$VN HDFK SDUWLFLSDQW WR SUDFWLVH SRVLWLRQLQJ D FOLHQW DQG DGPLQLVWHULQJ HDFK
YDFFLQHLQLWLDOO\LQWKHFODVVURRPDQGWKHQLQWKH FOLQLF XQGHU VXSHUYLVLRQ (DFK
SDUWLFLSDQWVKRXOGSUDFWLVHJLYLQJHYHU\YDFFLQHXQWLOKHRUVKHKDVPDVWHUHGWKH
WHFKQLTXHV
$IWHU VXFFHVVIXOO\ SUDFWLVLQJ RQ SRWDWRHV DQG RUDQJHV DQG EHIRUH SUDFWLVLQJ RQ
FOLHQWV SDUWLFLSDQWV LQ VRPH WUDLQLQJ SURJUDPPHV SUDFWLVH JLYLQJ LQMHFWLRQV WR
HDFKRWKHU
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH&RPPXQLFDWLQJZLWKSDUHQWVDQGLQYROYLQJFRPPXQLWLHV
&RPPXQLFDWLRQVNLOOSUDFWLFH¥UROHSOD\VEHWZHHQLQGLYLGXDOFOLHQWVDQG
KHDOWKZRUNHUV
&RPPXQLFDWLRQ VNLOO SUDFWLFH ¥ UROH SOD\V EHWZHHQ JURXSV RI SHRSOH DQG
KHDOWKZRUNHUV
7KH SDUWLFLSDQWV VKRXOG DOVR SUDFWLVH WHFKQLTXHV IRU SURYLGLQJ KHDOWK HGXFDWLRQ
WRVPDOOJURXSV(DFKSDUWLFLSDQWVKRXOGSUDFWLVH OHDGLQJ GLVFXVVLRQV DV D KHDOWK
ZRUNHU ZKLOH RWKHUV DFW DV PHPEHUV RI D FRPPXQLW\ 7KHQ LQ FOLQLFDO SUDFWLFH
WKH SDUWLFLSDQWV VKRXOG SUDFWLVH WKHLU FRPPXQLFDWLRQ VNLOOV ZLWK JURXSV RI UHDO
FOLHQWV
&RPPXQLFDWLRQVNLOOSUDFWLFH¥UROHSOD\VEHWZHHQFRPPXQLW\OHDGHUVDQG
KHDOWKZRUNHUV
,Q DGGLWLRQ WR UROHSOD\LQJ LQWHUDFWLRQV ZLWK FOLHQWV DQG FRPPXQLW\ JURXSV WKH
SDUWLFLSDQWV VKRXOG SUDFWLVH WHFKQLTXHV IRU ZRUNLQJ ZLWK FRPPXQLW\ OHDGHUV LQ
RUGHU WR VROYH SUREOHPV VXFK DV WKRVH FRQQHFWHG ZLWK FRPPXQLW\ PRELOL]DWLRQ
DQGWKHVFKHGXOLQJRILPPXQL]DWLRQVHVVLRQV
&OLQLFDOSUDFWLFH
8QGHU VXSHUYLVLRQ LQ D KHDOWK FHQWUH WKH SDUWLFLSDQWV VKRXOG SUDFWLVH WKH VNLOOV
DQGDSSO\WKHNQRZOHGJHWKH\KDYHJDLQHGGXULQJWKHFRXUVH
:+2(3,75$0
0RGXOH0RQLWRULQJLPPXQL]DWLRQFRYHUDJH
5HFRUGNHHSLQJVNLOOSUDFWLFH
$VN HDFK SDUWLFLSDQW WR HQWHU GDWD SURYLGHG E\ \RX RQ EODQN WDOO\ VKHHWV
LPPXQL]DWLRQPRQLWRULQJ FKDUWV DQG PRQWKO\ LPPXQL]DWLRQ UHSRUWV RI WKH NLQG
XVHGLQ\RXULPPXQL]DWLRQSURJUDPPH
$QDO\WLFDOVNLOOSUDFWLFH
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
1RWHVRQH[HUFLVHVLQWKH
OHDUQLQJDFWLYLWLHVPDQXDO
0RGXOH(3,YDFFLQHV
([HUFLVH
239PHDVOHVDQG\HOORZIHYHU
6HH0RGXOHSDJH
6HH0RGXOHSDJH
6HH0RGXOHSDJH
([HUFLVH
&DVHV FRXOG KDYH EHHQ SUHYHQWHG E\ LPPXQL]LQJ DOO WKH HOLJLEOH FKLOGUHQ
ZLWKFROGVRUGLDUUKRHDZKRKDGJRQHWRKHDOWKFHQWUHV
7KH IRXU FKLOGUHQ ZKR ZHUH LPPXQL]HG PLJKW KDYH UHFHLYHG LPSRWHQW
YDFFLQH 6LQFH WKH\ DOO DWWHQGHG WKH VDPH KHDOWK FHQWUH WKHUH FRXOG EH D
SUREOHPZLWKWKHFROGFKDLQ
7KHPHGLFDORIILFHUVKRXOGILQGRXWZKDWSROLF\RQFRQWUDLQGLFDWLRQVLVEHLQJ
IROORZHG E\ WKH KHDOWK ZRUNHUV +H VKRXOG PDNH VXUH WKDW WKH SROLF\ LV
FRUUHFWDQGWKDWWKHKHDOWKZRUNHUVDSSO\LW
7KRPDV VKRXOG DOVR FKHFN WKH FROG FKDLQ SUDFWLFHV DW WKH KHDOWK FHQWUH
DWWHQGHGE\WKHIRXULPPXQL]HGFKLOGUHQ
([HUFLVH
5DPHVKPXVWQRWUHFRQVWLWXWHWKHYDFFLQHIURPWKHZLQGRZOHGJHZKLOH WKH
GLOXHQWLVVWLOOZDUPEHFDXVHZDUPGLOXHQWGDPDJHVYDFFLQH
:+2(3,75$0
0RGXOHFRQWLQXHG
([HUFLVH
7KH KHDOWK ZRUNHUV LQ ,EXWRZQ DUH FRUUHFW ,W LV VDIH WR LPPXQL]H ZRPHQ
ZLWKWHWDQXVWR[RLGDWDQ\VWDJHRISUHJQDQF\
1XUVH &HOLD VKRXOG GLVFXVV WKH PDWWHU ZLWK KHU VXSHUYLVRU DQG DVN IRU KLV
DGYLFH+HFRXOGFRQWDFWWKH0LQLVWU\RI+HDOWKWRILQGRXWZKDWWKHQDWLRQDO
SROLF\LV
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH7KHFROGFKDLQ
([HUFLVH
%RWK WKHUPRPHWHUV VKRZ D WHPSHUDWXUH RI DSSUR[LPDWHO\ ° & 7KLV LV D
VDIHWHPSHUDWXUHIRUYDFFLQHVEHFDXVHLWLVEHWZHHQ° &DQG° &
D 7KHOLQH DW WKH WRS RI WKH VDIH WHPSHUDWXUH UDQJH LV DW ° & 7KH OLQH DW
WKH ERWWRP LV DW ° & 9DFFLQHV PXVW EH VWRUHG EHWZHHQ WKHVH
WHPSHUDWXUHV
E 7KHWHPSHUDWXUHVRQWKHPRUQLQJRI GD\ DQG WKH HYHQLQJ RI GD\ DUH
ZLWKLQ WKH VDIH UDQJH 7KH WHPSHUDWXUH RQ WKH PRUQLQJ RI GD\ LV WRR
ORZRQWKHHYHQLQJRIGD\WKHWHPSHUDWXUHLVWRRKLJK
D ,Q RUGHU WR PDLQWDLQ WKH WHPSHUDWXUH RI WKH YDFFLQHV \RX DUH XVLQJ SXW
WKHPRQWKHIRDPSDGRQWRSRIWKHYDFFLQHFDUULHU
E ,Q RUGHU WR NHHS XQRSHQHG YDFFLQHV FROG OHDYH WKHP LQ WKH UHIULJHUDWRU
RUWKHYDFFLQHFDUULHUXQWLO\RXDUHUHDG\WRXVHWKHP
([HUFLVH
2PDU VKRXOG QRW LPPXQL]H FKLOGUHQ ZLWK '37 WKDW KDV EHHQ IUR]HQ ,W KDV
ORVW LWV SRWHQF\ DQG FDQQRW PDNH WKHP LPPXQH 0HOWLQJ IUR]HQ YDFFLQH LQ
KRWZDWHUZLOOQRWPDNHLWSRWHQWDJDLQ
7KHIUR]HQYLDOVVKRXOGEHWKURZQDZD\2PDUVKRXOGFKHFNWKHRWKHU'37
YLDOV LQ WKH UHIULJHUDWRU WR VHH ZKHWKHU DQ\ RI WKHP DUH IUR]HQ +H VKRXOG
PDNH VXUH WKDW QRQH RI WKHP DUH EHLQJ VWRUHG RQ WKH WRS VKHOI +H VKRXOG
DOVR FKHFN WKH WHPSHUDWXUH RI KLV UHIULJHUDWRU ,W LV SUREDEO\ WRR FROG LQ
ZKLFKFDVHKHVKRXOGDGMXVWWKHWKHUPRVWDW
2PDU VKRXOG ILQG WKH FKLOGUHQ KH KDV LPPXQL]HG ZLWK IUR]HQ '37 DQG
LPPXQL]HWKHPDJDLQ
:+2(3,75$0
0RGXOHFRQWLQXHG
([HUFLVH
/L]DPXVWFDQFHOWKHLPPXQL]DWLRQVHVVLRQDQGGLVSRVHRIDOOWKHYDFFLQHVLQ
WKH YDFFLQH FDUULHU 6KH VKRXOG H[SODLQ WKH VLWXDWLRQ WR WKH SHRSOH ZKR DUH
ZDLWLQJDQGDUUDQJHIRUDUHWXUQYLVLWDVVRRQDVSRVVLEOH6KHFRXOG XVH WKH
WLPH WR SURYLGH RWKHU KHDOWK VHUYLFHV WR WKH SHRSOH RU WR WDON ZLWK WKHP
DERXWGLVHDVHSUHYHQWLRQDQGJRRGKHDOWKKDELWV
1H[WWLPH/L]DVKRXOGSXWWKHPHOWHGLFHSDFNVLQWKHIUHH]HUDVVRRQDVVKH
UHWXUQVIURPRXWUHDFK6KHVKRXOGKDYHGRQHWKLVRQWKH7XHVGD\QLJKW7KH
LFHSDFNVKDYHQRWEHHQLQWKHIUHH]HU ORQJ HQRXJK WR IUHH]H FRPSOHWHO\ E\
WKH WLPH VKH WDNHV WKHP RXW RQ WKH 7KXUVGD\ PRUQLQJ ,W WDNHV KRXUV WR
IUHH]HDQLFHSDFN
([HUFLVH
3DN-DFRE FDQFHOV WKH LPPXQL]DWLRQ VHVVLRQ EHFDXVH WKH YDFFLQHV DUH ZDUP
DQGSUREDEO\XVHOHVVDQGEHFDXVHWKHV\ULQJHVDUHFRQWDPLQDWHG
3DN1DQDVKRXOGFOHDQDQGVWHULOL]HWKHHTXLSPHQWDQGNHHSLWLQWKH VWHDP
VWHULOL]HUXQWLO UHDG\ IRU XVH ,I WKH YHKLFOH EUHDNV GRZQ WKH YDFFLQH FDUULHU
VKRXOG EH WDNHQ IURP WKH YHKLFOH DQG SXW LQ WKH VKDGH ,WV OLG VKRXOG EH
FORVHG WLJKWO\ DQG VKRXOG QRW EH UHPRYHG 7KH )DQWD VKRXOG QRW EH SXW LQ
WKHFDUULHU
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH(QVXULQJVDIHLQMHFWLRQV
([HUFLVH
,I \RX XVH XQVWHULOH V\ULQJHV DQG QHHGOHV \RX PD\ FDXVH DQ DEVFHVV DW WKH
LQMHFWLRQ VLWH +HSDWLWLV % RU +,9 PD\ DOVR EH SDVVHG IURP RQH SHUVRQ WR
DQRWKHULQWKLVZD\
,I\RXWRXFKWKHVKDIWRU EHYHO RI D QHHGOH \RX PXVW QRW XVH LW EHFDXVH LW LV
FRQWDPLQDWHG 5HSODFH LW ZLWK D VWHULOH QHHGOH DQG FOHDQ DQG VWHULOL]H WKH
FRQWDPLQDWHGRQHEHIRUHXVH
,I \RX JLYH %&* WRR GHHSO\ EHFDXVH WKH QHHGOH LV EDUEHG WKHUH PD\ EH D
VHYHUHUHDFWLRQWRWKHYDFFLQH
3XW WKH IRUFHSV RQ WKH UDFN OLG VR WKDW \RX FDQ SLFN WKHP XS ZLWKRXW
WRXFKLQJDQ\WKLQJHOVH
0LVVLQJIURPWKHOLVWDUHIRUFHSVVWRYHPDWFKHVDQGIXHO
([HUFLVH
1XUVH 0DUWD FRXOG VHQG DQRWKHU PHVVDJH WR PDNH VXUH WKDW WKH SHRSOH LQ
0DVXNQRZRIKHUDFFLGHQWRUVKH FRXOG YLVLW WKH YLOODJH D IHZ GD\V EHIRUH
KHU QH[W VHVVLRQ $QRWKHU SRVVLELOLW\ PLJKW KDYH EHHQ IRU KHU WR ULGH RQ WR
WKH YLOODJH LQ RUGHU WR WHOO SHRSOH ZKDW KDG KDSSHQHG EHIRUH UHWXUQLQJ WR
WKHKHDOWKFHQWUH
:+2(3,75$0
0RGXOHFRQWLQXHG
([HUFLVH
$UDED KDV IRUJRWWHQ WR SXW ZDWHU LQ WKH VWHULOL]HU ,I WKHUH LV QR ZDWHU RU QRW
HQRXJKWKHVWHULOL]HUDQGWKHWKLQJVLQVLGHLWEHFRPHWRRKRW
([HUFLVH
7KHHTXLSPHQWFDQQRWEHXVHGEHFDXVHLWKDVQRWEHHQVWHULOL]HG,WPXVWEH H[SRVHG WR
VWHDPIRUPLQXWHVLQRUGHUWREHVWHULOL]HG6LVWHU0LWDH[SODLQVWR1XUVH/DP\DWKDWVKH
PXVWZDLWXQWLOVWHDPFRPHVRXWRIWKHSUHVVXUHYDOYHEHIRUHVHWWLQJWKHWLPHU
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH2UJDQL]LQJLPPXQL]DWLRQVHVVLRQV
([HUFLVH
0XOWLSO\[IRUDQQXDOWDUJHW FKLOGUHQ
'LYLGHE\IRUPRQWKO\WDUJHW FKLOGUHQ
0XOWLSO\[IRUQXPEHURIFRQWDFWVPRQWK FRQWDFWV
<RXQHHGILYHGRVHYLDOVRIHDFKYDFFLQHDQGGLOXHQW
0XOWLSO\[IRUDQQXDOWDUJHW FKLOGUHQ
'LYLGHE\IRUPRQWKO\WDUJHW FKLOGUHQ
0XOWLSO\[IRUQXPEHURIFRQWDFWVPRQWK FRQWDFWV
<RX QHHG RQO\ RQH VHVVLRQ SHU PRQWK DW WKLV RXWUHDFK VLWH DOWKRXJK \RX
PD\ KROG WZR D PRQWK LI WKLV LV PRUH FRQYHQLHQW IRU \RX DQG \RXU FOLHQWV
5HPHPEHU\RXDOVRKDYHWRLPPXQL]HZRPHQRIFKLOGEHDULQJDJH
D )RUFKLOGUHQDQGZRPHQ
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
E )RUFKLOGUHQDQGZRPHQ
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
1RWH <RX QHHG WZR VLQJOHUDFN VWHDP VWHULOL]HUV RU RQH GRXEOHUDFN VWHDP
VWHULOL]HUWRVWHULOL]HDOOWKLVHTXLSPHQWIRURQHVHVVLRQ
F )RUFKLOGUHQDQGZRPHQ
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
:+2(3,75$0
0RGXOHFRQWLQXHG
G)RUFKLOGUHQDQGZRPHQ
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
POV\ULQJHV
PPJDXJHQHHGOHV
([HUFLVH
7KHKHDOWKZRUNHUVGRLQJWKHFOHULFDOZRUNKDYHWKHRQO\WDEOHV*LYHRQHWRWKH
KHDOWKZRUNHUVGRLQJLPPXQL]DWLRQV
3XWDFKDLUDWWKHLPPXQL]DWLRQVWDWLRQVRWKDWDSDUHQWFDQVLWGRZQDQGKROG D
FKLOGLQWKHULJKWSRVLWLRQIRULPPXQL]DWLRQ
3URYLGHPRUHOLJKWIRUWKHLPPXQL]DWLRQVWDWLRQIRUH[DPSOHE\PRYLQJWKHVWDWLRQFORVHU
WRWKHGRRUSXWWLQJDODPSLQWKHGDUNSDUWRIWKHURRPRUKDYLQJDZLQGRZFRQVWUXFWHG
)LQG D SODFH ZKHUH SDUHQWV FDQ VLW ZKLOH ZDLWLQJ RXWVLGH WKH URRP LI LW LV WRR
FURZGHG LQVLGH ,I DSSURSULDWH JLYH SDUHQWV D VSHFLILF WLPH ZKHQ WKH\ VKRXOG
DWWHQG
$VVLJQ RQH RI WKH KHDOWK ZRUNHUV GRLQJ FOHULFDO ZRUN WR DQRWKHU WDVN 2QH
SHUVRQFDQKDQGOHERWKUHJLVWUDWLRQDQGFRPPXQLFDWLRQ ZLWK FOLHQWV DV WKH\ DUH
OHDYLQJVLQFHWKHWZRIXQFWLRQVDUHSHUIRUPHGLQWKHVDPHORFDWLRQ
([HUFLVH
+DVVDQVKRXOGHVWLPDWHKRZPDQ\YLDOVKHQHHGVEHIRUHDVHVVLRQDQGSXWWKHP
LQ D YDFFLQH FDUULHU ZLWK LFH SDFNV XQWLO WKHUH LV D FKLOG RU ZRPDQ ZKR QHHGV
WKHP
+HVKRXOGQRWRSHQRUUHFRQVWLWXWHDQ\YDFFLQHXQWLOWKHUHLVDFKLOGRUZRPDQZKRQHHGV
LW
+HVKRXOGXVH D YDFFLQH FDUULHU IRDP SDG UDWKHU WKDQ D FXS RI LFH IRU KROGLQJ RSHQHG
YLDOV
+HPD\UHIULJHUDWHRSHQHGYLDOVRI239'3777DQGKHSDWLWLV%YDFFLQHIRUXVH
LQWKHQH[WVHVVLRQLIKHKDVQRWWDNHQWKHPRXWRIWKHKHDOWKFHQWUH
+HVKRXOGFRQVLGHUUHVFKHGXOLQJWKHLPPXQL]DWLRQVHVVLRQVVRWKDWWKH\DUHKHOG
RQFH RU WZLFH D PRQWK ,I KH GRHV VR KH PXVW PDNH VXUH WKDW HYHU\RQH NQRZV
DERXW WKH FKDQJH 2Q RFFDVLRQV KH PD\ KDYH WR RSHQ D YLDO IRU RQO\ RQH FKLOG
XQWLOSHRSOHEHFRPHDFFXVWRPHGWRWKHQHZVFKHGXOH
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOHFRQWLQXHG
([HUFLVH
,GD FRXOG KDYH WDNHQ WKH VWHDP VWHULOL]HU WR WKH RXWUHDFK VLWH ERUURZHG D
VWRYHDQGVWHULOL]HGWKH HTXLSPHQW WKHUH +DG VKH GRQH WKLV ZLWKRXW WDNLQJ
IXHOZLWKKHUKRZHYHU VKH ZRXOG KDYH ULVNHG QRW ILQGLQJ DQ\ NHURVHQH DW
WKHVLWH
,Q IXWXUH WKHUH VKRXOG EH HQRXJK NHURVHQH LQ WKH KHDOWK FHQWUH WR VWHULOL]H
HTXLSPHQW IRU DW OHDVW WZR VHVVLRQV ,I WKH KHDOWK FHQWUH LV LQ D UHPRWH DUHD
WKHUHVKRXOGEHDODUJHUTXDQWLW\RIVSDUHNHURVHQH
7KH GD\ EHIRUH DQ HDUO\ VWDUW ,GD VKRXOG FKHFN DOO VXSSOLHV LQFOXGLQJ
NHURVHQHDQGIXHOIRUKHUYHKLFOHLIVKHKDVRQH
,GD FRXOG VWHULOL]H KHU HTXLSPHQW WKH GD\ EHIRUH DQ HDUO\ VWDUW VR WKDW LI
VKRUWRINHURVHQHVKHZRXOGKDYHPRUHWLPHWRILQGVRPH
:+2(3,75$0
0RGXOH'XULQJDVHVVLRQUHJLVWHULQJDQGDVVHVVLQJFOLHQWV
([HUFLVH
$Q LPPXQL]DWLRQ FDUG PD\ EH WKH RQO\ UHFRUG D FKLOG RU ZRPDQ KDV RI
SUHYLRXV LPPXQL]DWLRQV :KHQ SHRSOH PRYH WR D QHZ DUHD WKH\ FDQ WDNH
WKHLU FDUGV ZLWK WKHP 3DWLHQW UHJLVWHUV RQ WKH RWKHU KDQG UHPDLQ LQ WKH
KHDOWKFHQWUH
$Q LPPXQL]DWLRQ FDUG DOVR DOORZV KHDOWK ZRUNHUV WR FKHFN TXLFNO\ RQ
LPPXQL]DWLRQVWDWXVDQGLVPRUHUHOLDEOHWKDQDSHUVRQ
VPHPRU\
1HZERUQ%&*DQG239
PRQWKROGFKLOGZKRKDVKDG%&*239'37DQG+%PHDVOHV
DQGZKHUHDSSURSULDWH\HOORZIHYHUYDFFLQH
PRQWKROGFKLOGZKRKDVKDG%&*239'37DQG+%QRQH
ZHHNROGFKLOGZKRKDVKDG%&*DQG239239'37DQG+%
ZHHNROGFKLOGZKRKDVQHYHUEHHQLPPXQL]HG%&*DQG239
\HDUROGZRPDQZKRKDVQHYHU UHFHLYHG D WHWDQXV WR[RLG LPPXQL]DWLRQ
77
ZHHNROGFKLOGZKRUHFHLYHG%&*DWELUWKEXWKDVQRVFDU%&*
:RPDQZKRUHFHLYHG77PRQWKVSUHYLRXVO\77
<RXFDQJLYHWKHIROORZLQJLPPXQL]DWLRQVRQWKHVDPHGD\WRDQPRQWK
ROG ZKR KDV QHYHU EHHQ LPPXQL]HG %&* 239 '37 +% PHDVOHV DQG
\HOORZIHYHU
<HV
([HUFLVH
7KH FKLOGUHQ GLG QRW UHFHLYH PHDVOHV YDFFLQH HYHQ WKRXJK WKHLU FDUGV VDLG
WKH\GLG&DWRVWDPSVLPPXQL]DWLRQFDUGVEHIRUH1LQDJLYHVLPPXQL]DWLRQV
:KHQSDUHQWV OHDYH WKH KHDOWK FHQWUH WKHUH LV QR ZD\ RI FKHFNLQJ ZKHWKHU
LPPXQL]DWLRQVKDYHEHHQJLYHQ
&DWR DQG 1LQD VKRXOG UHDUUDQJH WKHLU V\VWHP VR WKDW WKH SHUVRQ JLYLQJ
LPPXQL]DWLRQVKDVWKHGDWH VWDPS DQG XVHV LW RQO\ DIWHU KH RU VKH JLYHV DQ
LPPXQL]DWLRQ
([HUFLVH
7UHDW WKH FKLOG IRU WKH FROG 5HFRPPHQG WR WKH JUDQGPRWKHU WKDW +LOGD EH
LPPXQL]HG ZLWK 239 DQG +% 'R QRW JLYH '37 EHFDXVH WKH RFFXUUHQFH RI
VKRFNWKUHHGD\VDIWHUWKHHDUOLHULPPXQL]DWLRQVZDVSUREDEO\DUHDFWLRQWR'37
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH'XULQJDVHVVLRQSUHSDULQJYDFFLQHV
([HUFLVH
2QWKHLQVLGHRIWKHVWHULOL]HUOLGZKLFKLVXSVLGHGRZQRQWKHWDEOH
2QWKHVWHULOL]HUUDFNOLG
'R127XVHWKHYDFFLQHGLVSRVHRILW
1RPRUHWKDQKRXUV
([HUFLVH
1XUVH 6DQWLQDªV PLVWDNH LV WR LQMHFW VRPHWKLQJ LQWR D SHUVRQ IURP D YLDO
ZLWKRXWDODEHO
6KH VKRXOG QHYHU JLYH DQ\ PHGLFLQHV RU YDFFLQHV IURP D YLDO RU ERWWOH WKDW
KDV QR ODEHO (YHQ WKRXJK 1XUVH 6DQWLQD IHHOV FHUWDLQ DERXW ZKDW WKH YLDO
FRQWDLQVVKHVKRXOGQRWXVHLWLQWKHDEVHQFHRIDODEHO
,I\RXUUHIULJHUDWRULVZHWNHHSYDFFLQHVLQDSODVWLFEDJXQWLOLWLVUHSDLUHG7KLV
ZLOOXVXDOO\SUHYHQWWKHODEHOVIURPEHFRPLQJZHWDQGIDOOLQJRII
:+2(3,75$0
0RGXOH'XULQJDVHVVLRQJLYLQJLPPXQL]DWLRQV
([HUFLVH
$FKLOGPXVWEHKHOGVHFXUHO\DQGLQWKHULJKWSRVLWLRQE\DQRWKHUSHUVRQVR
WKDW WKH KHDOWK ZRUNHU FDQ FRQFHQWUDWH RQ JLYLQJ WKH LPPXQL]DWLRQ
SURSHUO\,IDFKLOGLVNLFNLQJDQGWU\LQJWRSXVKWKHKHDOWKZRUNHUDZD\WKH
QHHGOHPD\WRXFKVRPHWKLQJDQGEHFRPHFRQWDPLQDWHGRUWKHLQMHFWLRQPD\
EH JLYHQ LQ WKH ZURQJ SODFH RU DW WKH ZURQJ GHSWK 6RPHWLPHV LI D FKLOG
PRYHVWRRPXFKWKHQHHGOHEUHDNVRIILQKHURUKLVDUPRUOHJ
,QWUDGHUPDO LQMHFWLRQV ZLWK %&* DUH JLYHQ LQWR WKH VNLQ QRW XQGHU LW
+ROGLQJ WKH V\ULQJH VR WKDW WKH EHYHO IDFHV XSZDUGV PDNHV LW HDVLHU WR GR
WKLV
D 2SHQHGYLDOV\RXDUHXVLQJSXWWKHPRQWKHIRDPSDGWKDWUHVWVRQWRSRI
WKHYDFFLQHFDUULHU
E 8QRSHQHGYLDOVZKHWKHU\RXDUHRQRXWUHDFKRULQWKHKHDOWKFHQWUHSXW
WKHP LQVLGH WKH YDFFLQH FDUULHU DQG OHDYH WKHP WKHUH XQWLO \RX QHHG
WKHP
,QWUDGHUPDOLQWRWKHVNLQ
,QWUDPXVFXODULQDPXVFOH
6XEFXWDQHRXVXQGHUWKHVNLQ
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOHFRQWLQXHG
([HUFLVH
$ UHG DQG WHQGHU VZHOOLQJ LV DQ DEVFHVV $EVFHVVHV DW LQMHFWLRQ VLWHV DUH
XVXDOO\ FDXVHG E\ XQVWHULOH QHHGOHV RU LQFRUUHFW LQMHFWLRQ WHFKQLTXHV 7KH
QHHGOHVXVHGWRJLYH'37WKHSUHYLRXVZHHNPD\KDYHEHHQ
− XVHGIRUPRUHWKDQRQHLQMHFWLRQ
− LPSURSHUO\VWHULOL]HG
− WRXFKHGE\DKHDOWKZRUNHU
− SODFHGRQDWDEOHWRSRURWKHUXQFOHDQVXUIDFH
3DUHQWVRIRWKHUFKLOGUHQPD\KDYHKHDUGDERXWWKHDEVFHVVHVWKDW RFFXUUHG
IROORZLQJ WKH '37 LQMHFWLRQV DQG PD\ KDYH EHHQ DIUDLG WR EULQJ WKHLU
FKLOGUHQIRULPPXQL]DWLRQV
7HPD VKRXOG WUHDW WKH DEVFHVVHV ZLWK ZDUP FRPSUHVVHV DQG JLYH DQ
DQWLELRWLF ,I WKH VZHOOLQJV GR QRW JR DZD\ LQ D IHZ GD\V LQFLVLRQ DQG
GUDLQDJHPD\EHQHFHVVDU\
+H VKRXOG PDNH VXUH WKDW LQMHFWLRQ HTXLSPHQW LV VWHULOH WKDW HDFK QHHGOH
DQGV\ULQJHLVXVHGIRURQO\RQHLQMHFWLRQDQGWKDW'37LQMHFWLRQVDUHJLYHQ
DWWKHSURSHUGHSWK
([HUFLVH
<HVLWLVWKHKHDOWKHGXFDWRU
VGXW\WRVWRSWKHVHVVLRQEHFDXVH.XG]XFRXOG
KDUPWKHFKLOGUHQDQGZRPHQ KH LV LPPXQL]LQJ 6WRSSLQJ WKH VHVVLRQ PD\
EH HPEDUUDVVLQJ IRU .XG]X DQG PD\ UDLVH FRQFHUQ DPRQJ WKH FOLHQWV EXW
WKHKHDOWKZRUNHU
VILUVWUHVSRQVLELOLW\LVWRSUHYHQWKDUP,PDJLQHWKHPXFK
JUHDWHU HPEDUUDVVPHQW DQG FRQFHUQ LI SHRSOH DFTXLUHG DEVFHVVHV RU
EORRGERUQHGLVHDVHVDIWHU.XG]X
VLPPXQL]DWLRQVHVVLRQ
.XG]XPDNHVWKHIROORZLQJPLVWDNHV
− KHDUULYHVODWH
− KHVPRNHVZKLOHZRUNLQJ
− KHSXWVWKHLPPXQL]DWLRQWDEOHLQDVXQQ\SODFH
− KHWDNHVWZRYLDOVRIHDFKYDFFLQHRXWRIWKHYDFFLQHFDUULHU
− KHUHFRQVWLWXWHVWZRYLDOVRI%&*DQGPHDVOHVYDFFLQHVDWWKHVDPHWLPH
− KHVKDNHVWKHYLDOVWRPL[YDFFLQHDQGGLOXHQW
− KHSLFNVWKLQJVXSZLWKKLVILQJHUVKHRXJKWWRKDYHVSDUHIRUFHSV
− KHWRXFKHVWKHDGDSWRURIWKHV\ULQJH
− KHSXWVDORDGHGV\ULQJHRQDQXQVWHULOHVXUIDFH
− KHXVHVWKHVDPHV\ULQJHDQGQHHGOHIRUPRUHWKDQRQHLQMHFWLRQ
:+2(3,75$0
0RGXOH$IWHUDVHVVLRQ
$VVRRQDVSRVVLEOHDIWHUDVHVVLRQ
D 7KURZRXW
E 7KURZRXW
F .HHS,WFDQEHXVHGXQWLO
G L 7KURZRXW
LL .HHSLWLILWLVQRWGDPDJHGLQDQ\ZD\
H 7KURZHYHU\WKLQJRXW
I L 7KURZHYHU\WKLQJRXW
LL 7KURZHYHU\WKLQJRXW
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH&RPPXQLFDWLQJZLWKSDUHQWVDQGLQYROYLQJFRPPXQLWLHV
([HUFLVH
7KHILYHHVVHQWLDOPHVVDJHV
'DWHDQGWLPHRIQH[WLPPXQL]DWLRQ
3ODFHRIQH[WLPPXQL]DWLRQ
1XPEHU RI YLVLWV WKH FOLHQW VWLOO QHHGV LQ RUGHU WR EH IXOO\ LPPXQL]HG RU
SURWHFWHG
:KDWVLGHHIIHFWVPD\RFFXU
+RZVLGHHIIHFWVFDQEHWUHDWHG
([HUFLVH
0DULD KDV QRW VSHQW WKH WLPH QHHGHG WR ILQG RXW ZKHWKHU SHRSOH LQ WKH
FRPPXQLW\XQGHUVWDQGDERXWLPPXQL]DWLRQV6KHVKRXOGKDYHZRUNHGZLWK
FRPPXQLW\OHDGHUVWRSODQDQLQIRUPDWLRQFDPSDLJQ
6KH VKRXOG PDNH VXUH WKDW WKH GDWH VKH SLFNV LV FRQYHQLHQW ,I LW LV QRW VKH
VKRXOGQHJRWLDWHDQRWKHURQH
6KH VKRXOG EH H[SOLFLW DERXW WKH UHTXLUHPHQWV IRU DQ LPPXQL]DWLRQ VHVVLRQ
DQGVKRXOGGLVFXVVZKDWDUUDQJHPHQWVWKHFRPPXQLW\FDQPDNH
7KHWHDPFDQYLVLWSHRSOHLQWKHFRPPXQLW\DQGWDONZLWKWKHPDERXWKHDOWK
LVVXHVDQGLPPXQL]DWLRQVDQGVKRXOGLPPXQL]HDQ\RQHZKRVRGHVLUHV
([HUFLVH
2QH RI WKH UHDVRQV PD\ EH WKDW SHRSOH LQ WKH WRZQ GR QRW NQRZ DERXW
LPPXQL]DWLRQV DQG KRZ WKH\ FDQ SUHYHQW VRPH GLVHDVHV $EX%DNDU VHHPV
WR PLVV RSSRUWXQLWLHV WR LPPXQL]H ZKHQ SHRSOH FRPH WR KLP IRU WUHDWPHQW
RILOOQHVVHV3HRSOHLQWKHFRPPXQLW\GRQRWVHHPWRNQRZ$EX%DNDU
$EX%DNDU VKRXOG ILQG RXW ZKDW SHRSOH LQ WKH FRPPXQLW\ NQRZ DQG ZKDW
KHDOWKVHUYLFHVWKH\ QHHG 'XULQJ HDFK RXWUHDFK YLVLW KH VKRXOG VSHQG SDUW
RI WKH WLPH YLVLWLQJ SHRSOH
V KRPHV ZRUN SODFHV DQG RWKHU ORFDWLRQV ZKHUH
SHRSOHDVVHPEOHDQGWDONLQJZLWKWKHPDERXWLPPXQL]DWLRQWKHVHUYLFHVKH
FDQSURYLGHDQGWKHVFKHGXOHDQGORFDWLRQRIRXWUHDFKYLVLWV
:+2(3,75$0
0RGXOHFRQWLQXHG
([HUFLVH
7KHUHDOUHDVRQZK\SHRSOHZHUHQRWJRLQJWRWKHKHDOWKFHQWUHZDVSUREDEO\WKDWLWZDV
QRWPHHWLQJWKHLUQHHGV3HRSOHIHOW UXVKHG DQG ZHUH QRW JLYHQ WLPH WR WDON WR &ODXGLD
DERXW WKHLU SUREOHPV $V D UHVXOW WKH\ OHIW WKH FHQWUH IHHOLQJ GLVVDWLVILHG DQG GLG QRW
UHWXUQ
.DVVLPGHPRQVWUDWHVJRRGEHKDYLRXUQRWRQO\ZLWKFOLHQWVEXWDOVRZLWK&ODXGLD
&ODXGLD VHHV WKH HIIHFW RI FRXUWHV\ DQG GHPRQVWUDWLRQV RI LQWHUHVW :KHQ VKH
DGRSWV .DVVLP
V DSSURDFK VKH EHFRPHV PRUH LQWHUHVWHG LQ KHU ZRUN DQG OHVV
WLUHG
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH
0RGXOH0RQLWRULQJLPPXQL]DWLRQFRYHUDJH
+HDOWKZRUNHU
5HFRUGVKHOSZLWK
− NHHSLQJWUDFNRIZKDWWKHKHDOWKFHQWUHKDVGRQH
− FDOFXODWLQJQHHGVIRUYDFFLQHVLQMHFWLRQHTXLSPHQWDQGRWKHUVXSSOLHV
− PRQLWRULQJSURJUHVVWRZDUGWDUJHWV
− LGHQWLI\LQJSUREOHPV
6XSHUYLVRU
5HFRUGVKHOSZLWK
− NHHSLQJWUDFNRIZKDWWKHKHDOWKFHQWUHVIRUZKLFKKHRUVKHLVUHVSRQVLEOH
KDYHGRQH
− FDOFXODWLQJQHHGVIRUYDFFLQHVLQMHFWLRQHTXLSPHQWVXSSOLHVWUDQVSRUWDQG
VWDII
− PRQLWRULQJSURJUHVVWRZDUGWDUJHWV
− LGHQWLI\LQJSUREOHPV
&RPPXQLW\
5HFRUGV KHOS WR PRQLWRU SURJUHVV WRZDUG WDUJHWV DQG FDQ PRWLYDWH SHRSOH WR
ZRUNKDUGHURUWRPDLQWDLQDVXFFHVVIXOHIIRUW
D 1R
E <HV
F 1R
D 0RQWKO\WDUJHWSRSXODWLRQ
E $SSUR[LPDWHO\FKLOGUHQ
F FKLOGUHQ
G $SSUR[LPDWHO\
H '37 DSSUR[LPDWHO\
'37 DSSUR[LPDWHO\
I '37 DSSUR[LPDWHO\
'37 DSSUR[LPDWHO\
'37 DSSUR[LPDWHO\
:+2(3,75$0
6XSSOHPHQWDU\PDWHULDOV
*XLGHOLQHV IRU SODQQLQJ WUDLQLQJ DFWLYLWLHV IRU LPPXQL]DWLRQ DQG GLVHDVH FRQWURO
VHUYLFHV:+2(3,75$0
7UDLQLQJHYDOXDWLRQDJXLGHWRWKHHYDOXDWLRQRIWUDLQLQJFRXUVHVRQLPPXQL]DWLRQDQG
RWKHUGLVHDVHFRQWURODFWLYLWLHV:+2(3,75$0
,PPXQL]DWLRQLQ3UDFWLFH7UDLQHUV¶*XLGH