The role of colloid deposition on the performance of a salt-rejecting NF membrane was evaluated by modeling salt transport using a two-layer transport model, which quantified the relative contributions of advection and diffusion in the cake and the membrane layers, and the effects of flux on the membrane sieving coefficient. The model was able to accurately describe how the measured permeate concentration, rejection, osmotic pressure, and flux decline varied with time. The two-layer model confirmed that the Peclet number in the cake layer was about an order of magnitude higher than that in the membrane layer, leading to significant concentration polarization at the membrane surface, as shown by others. However, the cake layer also increased overall resistance, which resulted in flux decline during constant pressure operation. Flux decline caused an increase in the actual sieving coefficient, leading to higher solute flux, lower observed rejection, and thus lower the bulk concentration. These coupled phenomena tended to mitigate the increase in concentration polarization caused by the cake. Therefore, as predicted by the model and verified by experiment, the osmotic pressure does not increase monotonically as the cake grows, and in fact can decrease when the cake layer is thick and the flux decline is significant. In our experimental system, the pressure drop across the cake layer, which was proportional to the cake thickness, was significant under the conditions studied. The effects of cake-enhanced osmotic pressure analyzed here are lower than those observed in previous studies, possibly because the transport model employed explicitly accounts for the effect of flux decline due to cake growth on the membrane sieving coefficient, and possibly because we used a somewhat different methodology to estimate cake porosity. (C) 2009 Elsevier B.V. All rights reserved.