Hdfc Proper Final

8/3/2019 Hdfc Proper Final

http://slidepdf.com/reader/full/hdfc-proper-final 1/62

OBKVPG\ % ;

IHP\A@WOPIAH

• Asg|sigz ac pbg Ihw|khog Ih`wp|y

• V|acidg ac pbg a|jkhi~kpiah

•

V|aldge ac B@CO _DIO• Oaevgpipa| ihca|ekpiah

• _(Z(A(P( Khkdyi

;(; ASG\SIGZ AC PBG IH@W_P\Y ‟ IH_W\KHOG IH@W_P\Y

Pbg ihw|khog gopa| ih Ih ik bk oaeg k cwdd oi|odg c|ae lgihj kh avgh oaevgpipisg

ek|mgp pa hkpiahkdi~kpiah kh` lkom pa k dilg|kdi~g` ek|mgp kjkih( P|koihj pbg

`gsgdaveghp ih pbg Ihìkh ihw|khog gopa| |gsgkd pbg ?36%`gj|gg pw|h ziphgg` asg| k

vg|ia` ac kdeap pza oghpw|ig(

Zipb wob k dk|jg vavwdkpiah kh` pbg whpkvvg` ek|mgp k|gk ac pbi vavwdkpiah Ihw|khog

bkvvgh pa lg k sg|y lij avva|pwhipy ih Ihìk( Pa`ky ip pkh` k k lwihg j|azihj kp

pbg |kpg ac ;7%<6 vg| oghp khhwkddy( Pajgpbg| zipb lkhmihj g|siog$ ip k`` klawp : vg|

oghp pa pbg oawhp|ig J@V (Ih vipg ac kdd pbi j|azpb pbg pkpipio ac pbg vghgp|kpiah ac pbgihw|khog ih pbg oawhp|y i sg|y vaa|( Hgk|dy 26' ac Ihìkh vavwdkpiah k|g zipbawp Dicg

ihw|khog oasg| kh` pbg Bgkdpb ihw|khog( Pbi i kh ihìokpa| pbkp j|azpb vapghpikd ca|

pbg ihw|khog gopa| i ieeghg ih Ihìk( Ip zk `wg pa pbi ieeghg j|azpb pbkp pbg

|gjwdkpiah zg|g ihp|a`wog` ih pbg ihw|khog gopa| kh` ih oahpihwkpiah pbg jasg|heghp ih

;99? pa grkeihg pbg sk|iaw kvgop ac pbg ih`wp|y oahpipwpg` —Ekdbap|k Oaeeippgg―(

];U



Pbg mgy gdgeghp ac pbg |gca|e v|aog zk Vk|pioivkpiah ac asg|gk ihw|khog oaevkhig

zipb <3' okvipkd( O|gkpihj k ea|g gccioighp kh` oaevgpipisg cihkhoikd ypge wipkldg ca|

pbg |g{wi|geghp ac pbg goahaey zk pbg ekih i`gk lgbih` pbi |gca|e(

_ihog pbgh pbg ihw|khog ih`wp|y bk jahg pb|awjb ekhy gk obkhjg (Pbg oaevgpipiah

B@CO pk|pg` ckoihj c|ae pbgg oaevkhig zg|g pb|gkpghihj pa ip gripghog( _ihog pbg

dilg|kdi~kpiah ac pbg ih`wp|y pbg ihw|khog ih`wp|y bk hgsg| daamg` lkom kh` pa`ky

pkh` k pbg ahg ac pbg eap oaevgpipisg kh` grvda|ihj ih`wp|y ih Ihìk( Pbg ghp|y ac pbg

v|iskpg vdkyg| kh` pbg iho|gkg` wg ac pbg hgz ìp|ilwpiah k|g ih pbg diegdijbp pa`ky(

Pbg wg ac hgz ìp|ilwpiah pgobhi{wg kh` pbg IP paad bk iho|gkg` pbg oavg ac pbg

ih`wp|y ih pbg dahjg| |wh(

IH_W\KHOG _GOPA\ \GCA\E_

Ih ;99?$ Ekdbap|k Oaeeippgg$ bgk`g` ly ca|eg| Cihkhog _go|gpk|y kh` \LI Jasg|ha|

\(H( Ekdbap|k$ zk ca|eg` pa gskdwkpg pbg Ihìkh ihw|khog ih`wp|y kh` |goaeegh` ip

cwpw|g ì|gopiah(

Pbg Ekdbap|k oaeeippgg zk gp wv zipb pbg alngopisg ac oaevdgeghpihj pbg |gca|e

ihipikpg` ih pbg cihkhoikd gopa|(

Pbg |gca|e zg|g kieg` kp —o|gkpihj k ea|g gccioighp kh` oaevgpipisg cihkhoikd ypgewipkldg ca| pbg |g{wi|geghp ac pbg goahaey mggvihj ih eih` pbg p|wopw|kd obkhjg

ow||ghpdy wh`g|zky kh` |goajhi~ihj pbkp ihw|khog i kh ieva|pkhp vk|p ac pbg asg|kdd

cihkhoikd ypge zbg|g ip zk hgogk|y pa k``|g pbg hgg` ca| ieidk| |gca|e‣―

Ih ;990$ pbg oaeeippgg wleippg` pbg |gva|p kh` aeg ac pbg mgy |goaeegh`kpiah

Ihodw`g`>

i) _p|wopw|g

• Jasg|heghp pkmg ih pbg ihw|khog Oaevkhig pa lg l|awjbp àzh pa 76'

• Jasg|heghp bawd` pkmg asg| pbg badìhj ac JIO kh` ip wliìk|ig a pbkp

pbgg wliìk|ig okh kop k ih`gvgh`ghp oa|va|kpiah

]<U



• Kdd pbg ihw|khog oaevkhig bawd` lg jisgh j|gkpg| c|ggàe pa avg|kpg

ii) Oaevgpipiah

• V|iskpg Oaevkhig zipb k eihiewe vki` wv okvipkd ac \(;lh bawd` lg kddazg`

pa ghpg| pbg ih`wp|y(

• Ha Oaevkhy bawd` `gkd ih lapb Dicg kh` Jghg|kd Ihw|khog pb|awjb k ihjdg

ghpipy(

• Ca|gijh oaevkhig eky lg kddazg` pa ghpg| pbg ih`wp|y ih oaddkla|kpiah zipb pbg

àegpio oaevkhig(

• Vapkd Dicg Ihw|khog bawd` lg kddazg` pa avg|kpg ih pbg |w|kd ek|mgp(

• Ahdy ahg _pkpg Dgsgd Dicg Ihw|khog Oaevkhy bawd` lg kddazg` pa avg|kpg ih

gkob pkpg(

iii) \gjwdkpa|y La`y

• Pbg Ihw|khog Kop bawd` lg obkhjg`(

• Kh Ihw|khog \gjwdkpa|y la`y bawd` lg gp wv(

• Oahp|addg| ac Ihw|khog "Ow||ghpdy k vk|p c|ae pbg Cihkhog Eihip|y) bawd` lg

ek`g ih`gvgh`ghp(

is) Ihsgpeghp

• Ekh`kpa|y Ihsgpeghp ac DIO Dicg Cwh` ih jasg|heghp gow|ipig pa lg |g`wog`

c|ae :7' pa 76'

• JIO kh` ip wliìk|ig k|g hap pa bad` ea|g pbkh 7' ih khy oaevkhy "Pbg|g

ow||ghp badìhj pa lg l|awjbp àzh pa pbi dgsgd asg| k vg|ia` ac pieg)

s) Owpaeg| _g|siog

• DIO bawd` vky ihpg|gp ah `gdky ih vkyeghp lgyah` ?6 `ky(

• Ihw|khog oaevkhig ewp lg ghoaw|kjg` pa gp wv whip dihmg` vghiah vdkh(

• Oaevwpg|i~kpiah ac avg|kpiah kh` wv`kpihj ac pgobhadajy pa lg ok||ig` awp ih pbg

ihw|khog ih`wp|y(

]?U



Pbg oaeeippgg gevbki~g` pbkp ih a|`g| pa iev|asg pbg owpaeg| g|siog kh` iho|gkg

pbg oasg|kjg ac pbg ihw|khog ih`wp|y= ip bawd` lg avghg` wv pa oaevgpipiah( Lwp kp pbg

keg pieg$ pbg oaeeippgg cgdp pbg hgg` pa grg|oig okwpiah k khy ckidw|g ah pbg vk|p ac

hgz vdkyg| oawd` |wih pbg vwldio oahci`ghog ih pbg ih`wp|y( Bghog$ ip zk `goi`g` pa

kddaz oaevgpipiah ih k dieipg` zky ly pivwdkpihj pbg eihiewe okvipkd |g{wi|geghp ac

\(;66 o|a|g( Pbg oaeeippgg cgdp pbg hgg` pa v|asi`g j|gkpg| kwpahaey pa ihw|khog

oaevkhig ih a|`g| pa iev|asg pbgi| vg|ca|ekhog kh` ghkldg pbge pa kop k ih`gvgh`ghp

oaevkhig zipb goahaeio eapisg( Ca| pbi vw|vag$ ip bk` v|avag` gppihj wv kh

ih`gvgh`ghp |gjwdkpa|y la`y(

Pbg Ihw|khog \gjwdkpa|y kh` @gsgdaveghp Kwpba|ipy

\gca|e ih pbg Ihw|khog gopa| zg|g ihipikpg` zipb pbg vkkjg ac pbg I\@K Lidd ih

Vk|dikeghp ih @gogelg| ;999( Pbg I\@K ihog ip ihoa|va|kpiah k k pkpwpa|y la`y ih

Kv|id <666 bk ckpiìawdy pwom pa ip obg`wdg ac c|keihj |gjwdkpiah kh` |gjipg|ihj

pbg v|iskpg gopa| ihw|khog oaevkhig(

Pbg apbg| `goiiah pkmgh iewdpkhgawdy pa v|asi`g pbg wvva|pihj ypge pa pbg

ihw|khog gopa| kh` ih vk|piowdk| pbg dicg ihw|khog oaevkhig zk pbg dkwhob ac pbg

I\@K’ ahdihg g|siog ca| iwg kh` |ghgzkd ac dioghg pa kjghp(

Pbg kvv|askd ac ihpipwpiah ca| ievk|pihj p|kihihj pa kjghp bk kda ghw|g` pbkp pbgihw|khog oaevkhig zawd` bksg k p|kihg` za|mca|og ac ihw|khog kjghp ih vdkog pa gdd

pbgi| v|a`wop$ zbiob k|g grvgopg` pa lg ihp|a`wog` ly gk|dy hgrp ygk|(

_ihog lgihj gp wv k kh ih`gvgh`ghp pkpwpa|y la`y pbg I\@K bk vwp ih k c|kegza|m ac

jdalkddy oaevkpildg |gjwdkpiah( Ih pbg v|iskpg gopa| ;< dicg ihw|khog kh` 3 jghg|kd

ihw|khog oaevkhig bksg lggh |gjipg|g`(

IEVKOP AC DILG\KDI^KPIAH

Pbg ihp|a`wopiah ac v|iskpg vdkyg| ih pbg ih`wp|y bk k``g` pa pbg oada| ih pbg `wdd

ih`wp|y( Pbg ihipikpisg pkmgh ly pbg v|iskpg vdkyg| k|g sg|y oaevgpipisg kh` bksg jisgh

ieeghg oaevgpipiah pa pbg ah pieg eahavady ac pbg ek|mgp DIO( _ihog pbg k`sghp ac pbg

v|iskpg vdkyg| ih pbg ek|mgp pbg ih`wp|y bk ggh hgz kh` ihhaskpisg pgv pkmgh ly pbg

]0U



vdkyg| ih pbi gopa|( Pbg hgz vdkyg| bksg iev|asg` pbg g|siog {wkdipy ac pbg

ihw|khog( K k |gwdp DIO àzh pbg ygk| bksg ggh pbg `godihihj vbkg ih ip ok|gg|(

OW\\GHP _OGHK\IA AC PBG IH@W_P\Y

IH_W\KHOG EK\MGP IH IH@IK

Ihìk zipb klawp <66 eiddiah ei``dg odk bawgbad` baz k bwjg whpkvvg` vapghpikd ca|

vdkyg| ih pbg ihw|khog ih`wp|y( _kpw|kpiah ac ek|mgp ih ekhy `gsgdavg` goahaeig

bk ek`g pbg Ihìkh ek|mgp gsgh ea|g kpp|kopisg ca| jdalkd ihw|khog ekna|( Pbg

ihw|khog gopa| ih Ihìk bk oaeg pa k vaipiah ac sg|y bijb vapghpikd kh`

oaevgpipisghg ih pbg ek|mgp(

Ihhaskpisg v|a`wop kh` kjj|gisg ìp|ilwpiah bksg lgoaeg pbg ky ac pbg `ky( Ihìkh$bksg kdzky ggh dicg ihw|khog k k pkr ksihj `gsiog$ k|g haz w``ghdy pw|hihj pa pbg

v|iskpg gopa| pbkp k|g v|asiìhj pbge hgz v|a`wop kh` sk|igpy ca| pbgi| obaiog(

Dicg ihw|khog ih`wp|y i zkipihj ca| k lij j|azpb k ekhy Ihìkh kh` ca|gijh oaevkhig

k|g zkipihj ih pbg dihg ca| pbg j|ggh ijhkd pa pk|p pbgi| avg|kpiah( Pbg Ihìkh oahweg|

bawd` lg |gk`y haz lgokwg pbg ek|mgp i jaihj pa jisg pbge kh k||ky ac v|a`wop$

ìccg|ghp ih v|iog$ cgkpw|g kh` lghgcip( Baz pbg owpaeg| i jaihj pa ekmg bi obaiog

zidd `gpg|eihg pbg cwpw|g ac pbg ih`wp|y(

;( OW_PAEG\ _G\SIOG

Oahweg| |gekih pbg eap ieva|pkhp oghp|g ac pbg ihw|khog gopa|( Kcpg| pbg ghp|y ac

pbg ca|gijh vdkyg| pbg ih`wp|y i ggihj k dap ac oaevgpipiah kh` pbw iev|asgeghp ac

pbg owpaeg| g|siog ih pbg ih`wp|y( Oaevwpg|i~kpiah ac avg|kpiah kh` wv`kpihj ac

pgobhadajy bk lgoaeg ievg|kpisg ih pbg ow||ghp oghk|ia( Ca|gijh vdkyg| k|g l|ihjihj ih

ihpg|hkpiahkd lgp v|kopiog ih g|siog pb|awjb wg ac dkpgp pgobhadajig( Pbg ahg pieg

eahavady ac pbg DIO kh` ip kjghp k|g haz jaihj pb|awjb k pb|awjb |gsiiah kh`

p|kihihj v|aj|keeg pa okpob wv zipb pbg apbg| v|iskpg vdkyg|( Pbawjb dap i lgihj àhg

]7U



Ca| pbg iho|gkg` owpaeg| g|siog kh` k`ìhj pgobhadajy pa ip lwp pbg|g i k dahj zky pa

ja kh` sk|iaw owpaeg| w|sgy ihìokpg pbkp pbg pkh`k|` k|g pidd lgdaz owpaeg|

grvgopkpiah dgsgd(

<( @I_P\ILWPIAH OBKHHGD_

Pidd `kpg ihw|khog kjghp pidd |gekih pbg ekih aw|og pb|awjb zbiob ihw|khog v|a`wop

k|g ad`( Pbg oahogvp i sg|y zgdd gpkldibg` ih pbg oawhp|y dimg Ihìk lwp pidd pbg

iho|gkihj wg ac apbg| aw|og i ievg|kpisg( Ip pbg|gca|g ekmg ghg pa daam kp zgdd%

lkdkhog`$ kdpg|hkpisg obkhhgd ac ìp|ilwpiah(

DIO bk kd|gk`y zgdd gpkldibg` kh` bksg kh grpghisg ìp|ilwpiah obkhhgd kh`

V|gghog( Hgz vdkyg| eky cih` ip grvghisg kh` pieg oahweihj pa l|ihj wv k

@ip|ilwpiah hgpza|m pa wob pkh`k|`( Pbg|gca|g pbgy k|g daamihj pa pbg ìsg|g k|gk ac

ìp|ilwpiah obkhhgd pa bksg kh k`skhpkjg( Kp v|gghp pbg ìp|ilwpiah obkhhgd pbkp k|g

kskidkldg ih pbg ek|mgp k|g>

@i|gop gddihj

Oa|va|kpg kjghp

J|awv gddihj

L|amg| kh` oaavg|kpisg aoigpig

Lkho kw|khog

LKHOK_W\KHOG % Ihìk bk kh grpghisg lkhm hgpza|m gpkldibg` asg| pbg ygk|(

Zbkp Ihw|khog oaevkhig bksg pa à i pa nwp pkmg k`skhpkjg ac pbg owpaeg|* dahj%

pkhìhj p|wp kh` |gdkpiahbiv zipb lkhm( Pbi i k ewpwkddy lghgcioikd ipwkpiah k

lkhm okh kda grvkh` pbgi| |khjg ac v|a`wop ah accg| pa owpaeg|$ zbidg pbg ihw|khog

oaevkhy zidd kda gk|h v|acip c|ae pbg grvaw|g( Khapbg| k`skhpkjg i pbkp lkhm$ zipb

pbgi| hgpza|m ih |w|kd k|gk$ bgdv pa cwdcidd |w|kd kh` aoikd aldijkpiah pivwdkpg` ly pbg

Ihw|khog \gjwdkpa|y kh` @gsgdaveghp Kwpba|ipy "I\@K) |goghpdy( Ihw|khog oaevkhig

bawd` gg lkho kw|khog k k paad ca| iho|gkihj pbgi| ek|mgp vghgp|kpiah ih Ihìk( Ip i

kda jaa` ca| pbg ahg zba gg lkho kw|khog ih pg|e ac |g`wog` v|iog$ bijb {wkdipy

v|a`wop kh` `gdisg|y kp àa|pgv( Gsg|yla`y i k zihhg| bg|g( Pbg o|gkpiah ac lkho

]3U



kw|khog avg|kpiah bk ek`g kh ieva|pkhp ievkop ah pbg cihkhoikd g|siog ih`wp|y kp

dk|jg( Pbi i pbawjb k hgz oahogvp lwp ip bk jkihg` k dap ac ieva|pkhog ih pbg ih`wp|y kp

v|gghp kh` bk k j|gkp cwpw|g(

?( V\A@WOP IHHASKPIAH

Pbg|g bk lggh k vdgpba|k ac hgz kh` ihhaskpisg v|a`wop accg|g` ly pbg hgz vdkyg|(

Owpaeg| bksg p|geghàw obaiog c|ae k dk|jg sk|igpy ac v|a`wop c|ae vw|g pg|e "|im)

ihw|khog pa whip%dihmg` ihsgpeghp v|a`wop( Owpaeg| k|g accg|g` whlwh`dg` v|a`wop

zipb k sk|igpy ac lghgcip k |i`g| c|ae zbiob pbgy okh obaag( Ea|g owpaeg| k|g

lwyihj v|a`wop kh` g|siog lkg` ah pbgi| p|wg hgg` kh` hap nwp p|kìpiahkd eahgy%

lkom vadioig$ zbiob i hap oahi`g|g` sg|y kvv|av|ikpg ca| dahj%pg|e v|apgopiah kh`

ksihj( Pbg|g i dap ac ksihj kh` ihsgpeghp vdkh ih pbg ek|mgp( Bazgsg|$ pbg|g k|g

pidd aeg mgy hgz v|a`wop ygp pa lg ihp|a`wog` % g(j( bgkdpb v|a`wop(

0( \W\KD EK\MGPIHJ

\w|kd Ihìk gge pa bksg kh kvvgpipg ca| ealidg vbahg$ oaevwpg|$ kh` ok| kh` pa k``

pa ip zg bksg ihw|khog( Ih Ihìk zipb pbg v|iskpg vdkyg| bksihj ghpg|g` ihpa pbgihw|khog ih`wp|y$ pbg grvgopg` grvdaiah ih nal avva|pwhipig eky hap kopwkddy bkvvgh

lwp ca| pbge pbg okpobeghp k|gk i pbg avva|pwhipig ih pbg |w|kd Ihìk( Ih Ih ik pbg

ihw|khog lwihg okh lg ki` pa lg ,k ek|kpbah$ hap k v|ihp,( Pbi i lgokwg ac pbg

hkpw|g ac pbg lwihg lgihj dahj pg|e( Zipb eg|gdy pza ygk| ac pbg ih`wp|y lgihj

avghg`$ hap w|v|iihjdy$ pbg hgz oaeg| k|g ekmihj dag( Pbg vwldio gopa|

oaevkhig$ hapkldy pbg DIO$ bksg jkihg` ih p|ghjpb$ pbkhm pa pbg `ggvghihj ac pbg

ek|mgp oahg{wghp pa pbg kzk|ghg o|gkpg` ly pbg hgz oaevkhig( Bazgsg| pbi àg

hap `gpg||g` pbg v|iskpg gopa|$ zbiob mhaz mhaz pbkp pbg |kog i k ek|kpbah$ hap k

v|ihp( Bazgsg| ip gge pbkp pbgy ic hap khypbihj$ k|g ahdy iho|gkihj pbgi| vghìhj$

pbawjb ahdy awp ac pbg okvipkd( Pa`ky$ pbg|g k|g ;2 ihw|khog oaevkhig ih Ihìk

grodwìhj pbg V_W’$ zipb ;< ih pbg dicg ihw|khog lwihg kh` pbg |gp ih hah%dicg (K

]:U



Ihw|khog oaevkhig ja ea|g kh` ea|g |w|kd ih gk|ob ac lwihg= pbg|g zidd lg

avva|pwhipig ih pbg |w|kd gopa|( K |ggk|ob oah`wopg` grbilipg` pbkp pbg |w|kd oahweg|

k|g ziddihj pa àdg awp khypbihj lgpzggh \ ?$766 kh` \ <$966 k v|geiwe gkob ygk|( Ih

pbg ihw|khog pbg kzk|ghg dgsgd ca| dicg ihw|khog i pbg bijbgp ih |w|kd Ihìk$ lwp pbg

oahweg| k|g kda kzk|g klawp eapa|$ kooi`ghp kh` okppdg ihw|khog( Ih k pw`y

oah`wopg` ly EK\P pbg |gwdp bazg` pbkp hgk|dy ahg pbi|` ki` pbkp pbgy bk`

vw|obkg` aeg mih` ac ihw|khog zipb pbg ekriewe vghgp|kpiah mgzg` ih cksa| ac dicg

ihw|khog( Pbg pw`y kda vaihpg` awp pbg v|iskpg oaevkhig bksg bwjg pkm pa vdky ih

o|gkpihj kzk|ghg kh` o|gìlidipy keahj pbg |w|kd vavwdkog( Pbg vg|ogisg` lghgcip ac

lwyihj k dicg vadioy |khjg c|ae gow|ipy ac ihoaeg lwdm |gpw|h ih cwpw|g$ `kwjbpg|*

ek||ikjg$ obid`|gh* g`wokpiah kh` jaa` |gpw|h ah ksihj$ ih pbkp a|`g|$ pbg pw`y k``(

\gjwdkpa|y kh` @gsgdaveghp Kwpba|ipy "I\@K) bksg gp picc |w|kd pk|jgp ca| ihw|khog

oaevkhig( Ca| pbg dicg gopa|$ ih pbg ci|p ygk|$ 7 vg| oghp ac pbg papkd vadioig z|ippgh

bawd` oaeg c|ae pbg |w|kd gopa|( Pbi zidd ja wv pa ;7 vg| oghp ih cisg ygk|( _ieidk|dy$

ca| pbg hah%dicg gopa|$ pza vg| oghp ac pbg papkd j|a v|geiwe ihoaeg bawd` oaeg c|ae

pbg |w|kd gopa| jaihj wv pa 7 vg| oghp ih cisg ygk|$ kooa|ìhj pa pbg |gjwdkpiah( Kdd pbgg

easg zidd ekmg pbg ihsgpeghp pbg |w|kd k|gk k lij pk|p(

7( IHCA\EKPIAH PGOBHADAJIG_ KH@ IH_W\KHOG

Ih pbg ihw|khog ih`wp|y pa`ky$ pbg|g i k odgk| p|gh` kzky c|ae gddihj k l|ak` |khjg ac

v|a`wop pa k dk|jg sadweg ac owpaeg| ih k ahg ‟i~g%cip%kdd ekhhg|( Ihpgk` ac

caowihj ah pbgi| ìccg|ghp v|a`wop dihg k ida "i(g($ dicg$ v|avg|py kh` okwkdpy gpo)

ihw|g| k|g daamihj ca| zky pa accg| bijbdy pk|jgpg` ihw|khog v|a`wop pbkp k|g pkida|g`

pa pbg ihìsi`wkd owpaeg| zipb pbg bijbgp v|avghipy pa lwy pbge(

Pbg|g i k gsadwpiahk|y obkhjg ih pbg pgobhadajy pbkp bk |gsadwpiahi~g` pbg ghpi|g

ihw|khog gopa|( Ihw|khog ih`wp|y i k `kpk%|iob ih`wp|y$ kh` pbw$ pbg|g i ì|g hgg` pa

wg pbg `kpk ca| p|gh` khkdyi kh` vg|ahkdi~kpiah(

Zipb iho|gkg` oaevgpipiah keahj ihw|g|$ g|siog bk lgoaeg k mgy iwg( Ea|gasg|$

owpaeg| k|g jgppihj iho|gkihjdy avbipiokpg` kh` pgob%kssy( Vgavdg pa`ky àh’p zkhp

pa koogvp pbg ow||ghp skdwg v|avaipiah$ pbgy zkhp vg|ahkdi~g` ihpg|kopiah kh` pbgy

]2U



daam ca| ea|g kh` ea|g cgkpw|g kh` k`` ahg kh` lgppg| g|siog Pbg ihw|khog

oaevkhig pa`ky ewp eggp pbg hgg` ac pbg baw| ca| ea|g kh` ea|g vg|ahkdi~g`

kvv|akob ca| bkh`dihj pbg owpaeg|( Pa`ky ekhkjihj pbg owpaeg| ihpgddijghpdy i sg|y

o|ipiokd ca| pbg ihw|g| gvgoikddy ih pbg sg|y oaevgpipisg ghsi|aheghp( Oaevkhig hgg` pa

kvvdy ìccg|ghp gp ac |wdg kh` p|gkpeghp p|kpgjig pa ìccg|ghp owpaeg| gjeghp(

Bazgsg|$ pa vg|ahkdi~g ihpg|kopiah$ ihw|g| k|g |g{wi|g` pa okvpw|g owpaeg|

ihca|ekpiah ih kh ihpgj|kpg` ypge(

Zipb pbg grvdaiah ac Zglipg kh` j|gkpg| koog pa ì|gop v|a`wop a| vadioy ihca|ekpiah$

pbg|g i k hgg` pa `gsgdavihj lgppg| pgobhi{wg pa jisg owpaeg| k p|wdy vg|ahkdi~g`

grvg|ighog( Vg|ahkdi~kpiah bgdv a|jkhi~kpiah pa |gkob pbgi| owpaeg| zipb ea|g

ievkop kh` pa jghg|kpg hgz |gsghwg pb|awjb o|a gddihj kh` wv gddihj kopisipig( Pa

ghw|g pbkp pbg owpaeg| k|g |gogisihj vg|ahkdi~g` ihca|ekpiah$ ekhy a|jkhi~kpiah k|g

ihoa|va|kpihj mhazdg`jg `kpklkg%|gvaipa|ig ac oahpghp pbkp pyviokddy ihodw`g k gk|ob

ghjihg kh` dgp pbg owpaeg| daokpg pbg kdd àoweghp kh` ihca|ekpiah |gdkpg` pa pbgi|

{wg|ig ac |g{wgp ca| g|siog( Owpaeg| okh bg|gly wg pbg mhazdg`jg `kpklkg pa

ekhjg pbgi| v|a`wop a| pbg oaevkhy ihca|ekpiah kh` ihsaiog$ odkie |goa|`$ kh`

bipa|ig ac pbg g|siog ih{wi|y( Pbgg v|a`wop kda eky lg kldg pa dgk|h c|ae pbg

owpaeg|’ v|gsiaw mhazdg`jg `kpklkg kh` pa wg pbgi| ihca|ekpiah zbgh `gpg|eihihj

pbg |gdgskhog pa pbg owpaeg| gk|ob |g{wgp( Pbg ihw|khog gopa| |gekih k sg|yoaevgpipisg ek|mgp kh` pbag oaevkhig pbkp k|g kldg pa lgp wpidi~g pbgi| `kpk kh`

v|asi g pbgi| owpaeg| zipb pbg eap vg|ahkdi~g` avpiah zidd bksg pbg ìpihop

oaevgpipisg k`skhpkjg( Pbg ihw|g| pbkp oaeg wv pa pbg pav zidd lg pbag zba dgsg|kjg

pbg kvv|av|ikpg pgobhadajy adwpiah gccgopisgdy ih a|`g| pa capg| owpaeg| daykdpy kpp|kop

hgz owpaeg| kh` iev|asg avg|kpiahkd gccioighoy ly v|asiìhj oaeeah ihca|ekpiah

ko|a pbgi| dihg ac lwihg(

3( EG\JG\_ KH@ KO[WI_IPIAH_

Pbi i kh g|k ac eg|jg| kh` ko{wiipiah( V|iskpg oaevkhig ihodwìhj EHO’ k|g

kekdjkekpihj pbg za|d` asg| pa jgp ea|g oaevgpipisg g`jg( Ow||ghpdy$ pbg jghg|kd

ihw|khog ih`wp|y bk lggh avghg` wv( Pbg {wgpiah bg|g i pbkp ca| asg| pza ygk|$ gijbp

v|iskpg oaevkhig bksg avg|kpg` kh` bk pbg i~g ac pbg okmg grvkh`g`( Pbg ihw|g| k|g

]9U



àihj ghawjb pa |kig pbg dgsgd ac |im kzk|ghg a| k|g pbgy eg|gdy oahpghp pa oaevgpg ih

pbg ek|mgp a|jkhi~g` kh` gpkldibg`( Bazgsg| aahg| a| dkpg| pbg v|iskpg gopa| vdkyg|

zidd bksg pa vwp ih vdkog p|kpgjig kieg` hap kp zihhihj pbg gripihj kooawhp ac pbg

vwldio vdkyg| lwp kp ìsg|icyihj ek|mgp vghgp|kpiah k k zbadg( Pbg v|iskpg vdkyg| ih

pbg cwpw|g zawd` bksg pa pw|h pbgi| kppghpiah pa za|mihj ih pbg wha|jkhi~g` kh` wh`g|

g|sg` ek|mgp(

Zbkp i dimgdy pa bkvvgh i pbkp pbg v|iskpg vdkyg| zawd` oahpihwg pa mie pbg v|acipkldg

gjeghp ac pbg kd|gk`y a|jkhi~g` lwihg ih pbg w|lkh k|gk1 Pbg pieg bk kd|gk`y

oaeg ca| pbg jasg|heghp ac Ihìk pa gskdwkpg pbg vg|ca|ekhog ac v|iskpg oaevkhig’ si%

æ%si pbgi| `godk|g` alngopisg ac avghihj wv pbg ih`wp|y(

Bazgsg| ip i bijb pieg ca| pbg jasg|heghp pa |gkdi~g pbkp ieva|pkhog ac eg|jihj pbg

vwldio gopa| jghg|kd ihw|khog oaevkhig ihpa ihjdg ghpipy( Pbg |gghp oghk|ia okdd ca|

k lgppg| vg|ca|ekhog c|ae vk|p ac gkob ac pbg vwldio gopa| ihw|khog oaevkhig kjkihp

gkob apbg|= a| ih apbg| za|` k oaevgpipiah pa lg pbg lgp( Pbg |gwdp zbkp zg gg i pbg

wh`g|owppihj ac v|geiwe pa |gpkih a| z|gp lwihg kh` {wapihj kh whgoahaeiokd |kpg ac

v|geiwe( Zbidg pbi kddaz ahg ac pbg Vwldio _gopa| Oaevkhy pa zih k lwihg ca|e

khapbg| ih pbi ekhhg|( Pbg apbg| wccg| k da kh` pbg |gwdpkhp gccgop i k

okhhilkdi~kpiah zipb k ckdd ih pbg ksg|kjg v|geiwe ac pbg vwldio gopa| ipgdc( Pbi kp

ekhy pieg l|ihj k`skhpkjg pa pbg v|iskpg vdkyg| zba j|kl pbg lwihg lgokwg ac pbg

Whgpbiokd oaevgpipiah keahj pbg vwldio vdkyg|(Pbg vw|vag ac bksihj caw| oaevkhig kdd wliìk|ig ac Jghg|kd Ihw|khog Oa|va|kpiah

ac Ihìk "JIO)‟ Hkpiahkd Ihw|khog Oaevkhy$ Hgz Ihìk Kw|khog Oaevkhy$ A|ighpkd

Ihw|khog Oaevkhy$ Kh` Pbg Whipg` Ihìk Ihw|khog Oaevkhy= kp pbg pieg ac

hkpiahkdi~kpiah zk pa bksg oaevgpipiah keahj pbgegdsg ‟ih g|siog kh` v|a`wop kp

pbg keg v|iog( Pbg g|siog v|asi`g` ly pbge zk kda g{wkddy jaa` a| lk` `gvghìhj ah

pbg grvg|ighog ac pbg owpaeg|(

Haz zipb |gkd oaevgpipiah oaeihj ih zipb eap ac pbg jdalkd ihw|khog vdkyg| gppihj

caapv|ihp bg|g$ ip i cgdp pbkp pbg pieg ca| eg|jg| bk oaeg kh` pa ghnay pbg lghgcip ic pbg

i~g( Ip i pa lg kpg` pbkp i~g àg ekppg| ih ihw|khog lwihg( Kdd asg| pbg za|d`’

eg|jg| kh` ko{wiipiah ih pbg |im%wh`g|z|ipihj gopa| i oaeeah( Pbg lghgcip ic pbg

caw| ihw|khog oaevkhig eg|jg zidd lg gha|eaw( Pbg eg|jg` ghpipy zidd ghnay bijbg|

wh`g|z|ipihj kh` |im |gpghpiah okvkoipy= iho|gkg ih |gihw|khog v|geiwe$ |g`wopiah ih

];6U



|gihw|khog awpcdaz$ bgkdpby adsghoy ek|jih$ gppihj |ijbp pbg kgp ‟diklidipy eiekpob

kh` |g`wopiah ih oap( Pbg ihw|khog ek|mgp pbw lgoaeg k jkeldihj vdkog( Bk` pbg

vwldio gopa| oaevkhig ek`g ihpa k ihjdg ghpipy$ vg|bkv pbg papkd v|geiwe ac pbg caw|

vwldio gopa| oaevkhig ih pbg ygk| <66?%60 zawd` bksg jahg wv lwp <7 vg|oghp( Lwp pbg

vwldio gopa| kdahg i ca|og` pa wh`g|z|ipg pbg da ekmihj eapa| pbi|` vk|py diklidipy

"PVD) ihw|khog( Pbg vwldio ihw|khog oaevkhig ihw|g` k da ac \ ;90? o|a|g ah pbi

va|pcadia ah nwp ahg ygk| "6?%60)( Pbg owewdkpisg da wh`g| pbi va|pcadia i

kp|ahaeiokd( Pbg da ac v|acipkldg lwihg ih sigz ac wh`gg|sg` oaevgpipiah keahj

pbg vwldio gopa| oaevkhig i bkevg|ihj pbg wliì~kpiah ac aoikd ihw|khog ihodwìhj

pbg eapa| PVD(

Ip i pbw odgk| pbkp ip i jaa` ca| pbg vwldio gopa| oaevkhig pa eg|jg ieegìkpgdy zbgh

pbgy k|g pidd p|ahj$ dgp k eg|jg| lgoaeg ihgsipkldg dkpg| kcpg| pbg ih`gvgh`ghp vwldio

gopa| oaevkhig ckid ahg kcpg| khapbg|( Pbi àg hap li` zgdd ca| pbg vwldio gopa|$ ha|

ca|p bg ihw|ihj vwldio kh` hap ca| pbg goahaeio `gsgdaveghp gipbg|( Ca| k v|aj|g eg

|g{wi|g eg|jg| ac p|ahj vwldio gopa| oaevkhig( Gdg ip zawd` |gh`g| vwldio gopa|

oaevkhig zgkm kh` `gp|ay pbge(

VAPGHPIKD AC IH_W\KHOG IH@W_P\Y IH IH@IK>

• Ahdy AHG awp ac CISG ihw|kldg vavwdkpiah ih Ihìk bksg ihw|khog oasg|kjg(

• Ih pg|e ac Ihw|khog v|geiwe vg| okvipk kh` v|geiwe vg| J@V$ Ihìk |khm k

ahg ac pbg dazgp ih pbg za|d`(

• Dicg ihw|khog v|geiwe oahpipwpg ahdy 9' ac àegpio ksihj(

• Ly <6;6$ bwh`|g` eiddiah gd`g|dy daam pa vdkhhihj ca| ad` kjg vghiah kh`

khhwipig(

• Ea|g pbkh ?<7 eiddiah dkla| ca|og bksg ha aoikd gow|ipy(

Zipb kh khhwkd j|azpb |kpg ac ;7%<6' kh` pbg dk|jgp hwelg| ac dicg ihw|khog vadioig ih

ca|og$ pbg vapghpikd ac pbg Ihìkh ihw|khog ih`wp|y i bwjg( Papkd skdwg ac pbg Ihìkh

ihw|khog ek|mgp "<660%67) i gpiekpg` kp \( 076 liddiah "W_;6 liddiah)( Kooa|ìhj pa

];;U



jasg|heghp aw|og$ pbg ihw|khog kh` lkhmihj g|siog* oahp|ilwpiah pa pbg oawhp|y*

j|a àegpio v|a`wop "J@V) i :' awp ac zbiob pbg j|a v|geiwe oaddgopiah ca|e k

ijhiciokhp vk|p( Pbg cwh` kskidkldg zipb pbg pkpg%azhg` Dicg Ihw|khog Oa|va|kpiah

"DIO) ca| ihsgpeghp k|g 2' ac J@V(

Pidd `kpg$ ahdy <6' ac pbg papkd ihw|kldg vavwdkpiah ac Ihìk i oasg|g` wh`g| sk|iaw dicg

ihw|khog obgeg$ pbg vghgp|kpiah |kpg ac bgkdpb kh` apbg| hah%dicg ihw|khog ih Ihìk i

kda zgdd lgdaz pbg ihpg|hkpiahkd dgsgd( Pbgg ckop ihìokpg pbg ac ieeghg j|azpb

vapghpikd ac pbg ihw|khog gopa|(

Pbg ygk| ;999 kz k |gsadwpiah ih pbg Ihìkh ihw|khog gopa|$ k ekna| p|wopw|kd

obkhjg paam vdkog zipb pbg ghìhj ac jasg|heghp eahavady kh` pbg vkkjg ac pbg

Ihw|khog \gjwdkpa|y kh` @gsgdaveghp Kwpba|ipy "I\@K) Lidd$ dicpihj kdd ghp|y

|gp|iopiah ca| v|iskpg vdkyg| kh` kddazihj ca|gijh vdkyg| pa ghpg| pbg ek|mgp zipb aeg

dieip ah ì|gop ca|gijh azhg|biv(

Pbawjb$ pbg gripihj |wdg ky pbkp k ca|gijh vk|phg| okh bad` <3' g{wipy ih kh ihw|khog

oaevkhy$ k v|avakd pa iho|gkg pbi dieip pa 09' i vghìhj zipb pbg jasg|heghp( _ihog

avghihj wv ac pbg ihw|khog gopa| ih ;999$ ca|gijh ihsgpeghp ac \( 2(: liddiah bksg

vaw|g` ihpa pbg Ihìkh ek|mgp kh` <; v|iskpg oaevkhig bksg lggh j|khpg` dioghg(

Ihhaskpisg v|a`wop$ ek|p ek|mgpihj$ kh` kjj|gisg ìp|ilwpiah bksg ghkldg` cdg`jdihj

v|iskpg ihw|khog oaevkhig pa ijh wv Ihìkh owpaeg| ckpg| pbkh khyahg grvgopg`(

Ihìkh$ zba bk` kdzky ggh dicg ihw|khog k k pkr ksihj `gsiog$ k|g haz w``ghdy

pw|hihj pa pbg v|iskpg gopa| kh` hkvvihj wv pbg hgz ihhaskpisg v|a`wop ah accg|(

Pbg dicg ihw|khog ih`wp|y ih Ihìk j|gz ly kh iev|gisg ?3'$ zipb v|geiwe ihoaeg

c|ae hgz lwihg kp \( <7?(0? liddiah `w|ihj pbg ciokd ygk| <660%<667$ l|ksihj picc

oaevgpipiah c|ae v|iskpg ihw|g|( Pbawjb pbg papkd sadweg ac DIO* lwihg iho|gkg` ih

pbg dkp ciokd ygk| "<660%<667) oaevk|g` pa pbg v|gsiaw ahg$ ip ek|mgp bk|g okeg

àzh c|ae 2:(60 pa :2(6:'( Pbg ;0 v|iskpg ihw|g| iho|gkg` pbgi| ek|mgp bk|g c|ae

klawp ;?' pa klawp <<' ih k ygk|* pieg( Pbg cijw|g ca| pbg ci|p pza eahpb ac pbg ciokd

ygk| <667%63 kda vgkm ac pbg j|azihj bk|g ac pbg v|iskpg ihw|g|( Pbg bk|g ac DIO ca|

];<U



pbi vg|ia` bk cw|pbg| oaeg àzh pa :7 vg|oghp$ zbidg pbg v|iskpg vdkyg| bksg j|kllg`

asg| <0 vg|oghp(

Pbg|g k|g v|gghpdy ;< jghg|kd ihw|khog oaevkhig zipb caw| vwldio gopa| oaevkhig

kh` gijbp v|iskpg ihw|g|( Kooa|ìhj pa gpiekpg$ v|iskpg ihw|khog oaevkhig

oaddgopisgdy bksg k ;6' bk|g ac pbg hah%dicg ihw|khog ek|mgp(

;(< V\ACIDG AC PBG A\JKHI_KPIAH‐B@CO _PKH@K\@ DICG

IH_W\KHOG OA( DP@

B@CO i(g BAW_IHJ @GSGDAVEGHP KH@ BAW_IHJ OA\VA\KPIAH(

B@CO _pkh`k|` Dicg i k naihp sghpw|g lgpzggh B@CO ac Ihìk kh` _pkh`k|` Dicg ac WM(Pbg hgz oaevkhy$ B@CO _pkh`k|` Dicg$ zk ahg ac pbg ci|p pa lg kzk|`g` k dioghg ih

pbg |goghpdy `g|gjwdkpg` Ihìkh ek|mgp kh` ahg ac pbg ci|p pa avgh ip àa| ca| lwihg

kh` iwg vadioig(

Cawh`g` ih ;9::$ B@CO i` Ihìk’ ek|mgp dgk`g| ih bawihj cihkhog$ v|asiìhj cihkhog

ca| ea|g pbkh ;(7eh baeg( Pbgy bksg 2? acciog ih Ihìk$ ahg ihpg|hkpiahkd acciog ih

@wlki kh` pb|gg g|siog kaoikpg ih Mwzkip$ [kpk| kh` pbg _wdpkhkpg ac Aekh(

Dimg _pkh`k|` Dicg$ B@CO i p|ahjdy oaeeippg` pa v|asiìhj {wkdipy v|a`wop kh`

grogddghp owpaeg| g|siog kh` bk zah k hwelg| ac ieva|pkhp kzk|`> ih Nkh <66;

Kikeahgy hkeg` pbge k goah` ‒Lgp ekhkjg` oaevkhy ih Ihìk’(

B@CO i kda cihkhoikddy sg|y p|ahj kh` ca| pbg dkp ir ygk| bk ghnayg` pbg bijbgp

cihkhoikd p|ghjpb |kpihj c|ae Ihìk’ pza dgkìhj |kpihj kjghoig(

Pbg B@CO j|awv ihodw`g>

ª B@CO Lkhm

ª B@CO Kgp Ekhkjgeghp

ª B@CO \gkdpy Dp`(

ª B@CO _gow|ipig Dieipg`

];?U



Asg| pbg vg|ia` ac avg|kpiah$ B@CO j|awv bk lggh cgdioipkpg` zipb sk|iaw |gzk|`(

_aeg ac pbge k|g k caddaz>

ª Whipg` Hkpiah _o|add ac Baha| ‟;99;

ª Ihìk’ lgp ekhkjg` oaevkhy ly Kikeahgy ekjk~ihg ‟ ;997 kh` ;993

ª Eap oaevgpipisg Ihìkh oaevkhy ly Gw|aeahgy ‟;99:

ª Ahg ac pbg 7 lgp Ihìkh Lak|` ly Lwihg Pa`ky ‟ ;99:

ª \kpg` k ahg ac pbg lgp oaevkhig ih Ihìk ca| p|kpgjy # ekhkjgeghp kh`

ihsgpa| |gdkpiah ly Kik eahgy ‟;992(

ª Grogddghog ih g|siog ih`wp|y ly pbg Ihìkh Ihpipwpg ac Ek|mgpihj Ekhkjgeghp

# Pav Ekhkjgeghp Odwl "Vwhg) ‟;992

ª _bigd` ca| pbg lgp v|gghpg` kooawhp ca| lkhm kh` cihkhoikd ihpipwpiah ‟ asg|

;; pieg "dkp 2 ygk| ih k |az)

ª ;999 IEO \kekm|ibhk Lknkn Hkpiahkd [wkdipy Kzk|` ih pbg g|siog okpgja|y(

ª OII%Grie Lkhm Oaeegh`kpiah Og|piciokpg ca| oaeeipeghp pa Papkd [wkdipy

Ekhkjgeghp ‟ <666(

BI_PA\Y AC PBG NAIHP SGHPW\G

@iowiah oaeeghog` %% Nkhwk|y ;997

Naihp Sghpw|g kj|ggeghp ijhg` ‟ Aopalg| ;997

Naihp sghpw|g kj|ggeghp |ghgzg` ‟ Aopalg| ;992Dicg ihw|khog v|angop pgke gpkldibg` ‟ Nkhwk|y <666 "Ewelki)

Oaevkhy accioikddy ihoa|va|kpg` % ;0pb Kwjwp <666

Ci|p V|iskpg _gopa| Dicg Ihw|khog Oaevkhy pa lg j|khpg` k og|piciokpg ac |gjip|kpiah ‟

<?|` Aopalg| <666

_bk|gbadìhj ‟ B@CO 2;(0'

_pkh`k|` Dicg ;2(3'

EI__IAH _PKPGEGHP AC B@CO_DIO>

];0U



s Zg kie pa lg pbg pav hgz dicg ihw|khog oaevkhy ih pbg ek|mgp(

s Pbi àg hap nwp egkh lgihj pbg dk|jgp a| pbg eap v|a`wopisg oaevkhy ih pbg

ek|mgp$ |kpbg| ip i k oaelihkpiah ac gsg|kd pbihj dimg ‟

ª Owspaeg| sg|iog ac pbg bijbgsp a|`g|

ª Skdwg ca| eahgy ca| owspaeg|s

ª V|acgssiahkdise ih ok||yihj awp lwsihgss

ª Ihhakpig v|a`wops pa okpg| pa ìccg|ghp hgg`s ac ìccg|ghp

owspaeg|s

ª Wsg ac pgobhadajy pa iev|ag sg|iog spkh`k|`s

ª Iho|gksihj ek|mgp sbk|g(

SI_IAH _PKPGEGHP

—Pbg easp swoogsscwd kh` kèi|g` dicg ihsw|khog oaevkhy$ zbiob egkh pbkp zg k|g pbg

easp p|wspg` oaevkhy$ pbg gksigsp pa `gkd zipb$ accg| pbg lgsp kdwg ca| eahgy$ kh` sgp pbg

spkh`k|`s ih pbg ih`wsp|y( Ih sba|p$ —pbg easp aliaws obaiog ca| kdd―(

SKDWG_ PBKP ZIDD LG AL_G\SG@ IH B@CO_D>

ô Ihpgj|ipy

ô Ihhaskpiah

ô Owpaeg| Oghp|io

ô Vgavdg Ok|g

ô Pgke Za|m ‟ Ahg ca| kdd # kdd ca| ahg

ô Nay # _ievdioipy

IHPGJ\KPG@ CIHKHOIKD _G\SIOG_

];7U



\GC HA> ;(6

];3U

B@CO|gkdpy(oae

B@CO BAEGDAKH_

B@CO@GVA_IP_

B@CO_DIO

OGHP\G CA\

BAW_IHJCIHKHOG

B@COEWPWKDCWH@_

_GOW\IPI_KPIAH

IHPGDHGP

B@CO OBWLLJGHG\KD

IH_W\KHOG OA(DP@

B@CO

CWPW\G KOPISIPIG_

OILID i(g O\G@IPIHCA\EKPIAH

LW\GKW DP@(

B@CO LKHM

B@CO_GOW\IPIG_

@I_P\ILWPIAH



;(? V\ALDGE_ AC B@CO_DIO

s _ihog B@CO _DIO i k v|iskpg vdkyg| ih pbg ihw|khog ih`wp|y$ ip bk hap ygp

|gkobg` l|gkm%gsgh( Bghog$ ip bk bijb oap `wg pa zbiob ip v|geiwe k|g bijb k

oaevk|g` pa DIO(

s Ip bk pa o|gkpg o|gìlidipy ih pbg vwldio(

s Ip bk pa oaevgpg zipb pbg zi`g |khjg ac v|a`wop pbkp ip oaevgpipa| accg|(

s Ip bk pa caow pazk|` |w|kd gjeghp kda$ zbiob bk k j|gkp oavg ac j|azpb(

s Ip bk pa `goi`g ah pbg p|kpgjig pa lg kàvpg`$ zbiob zidd bgdv pa oawhpg|

oaevgpipiah(

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ip okh oaevgpg zipb DIO(

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lkg okh lg iho|gkg` kh` ea|gasg| owpaeg| kpickopiah okh lg ghw|g`(

];:U



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];2U



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];9U



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]<6U



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g|siog pbg odighp kh` jghg|kpg ihoaeg(

]<?U



PB\GKP_

ô Jasg|heghp |gjwdkpiah ah iwg dimg bgkdpb ok|g$ ead` kh` pg||a|ie okh {wiomdy

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ô Ihpghg oaevgpipiah c|ae DIO(

]<0U



OBKVPG\ % <

ALNGOPISG_ # EGPBA@ADAJY

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bgdv pa mhaz pbg owpaeg| vbyiadajy(

]<7U



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]<3U



• [wgspiahhki|g egpba`

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a Odgk|

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• [wgpiahhki|g

Ek|mgp \gsgk|ob @gsijh

]<:U



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DIEIPKPIAH_

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Obkvpg| % ?

Oahogvpwkd @isowssiah

]<2U



• Ow||ghp Iwg

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ah Kv|id ;0$ <669 |gjk|ìhj hah%|gogivp ac `gkpb odkie(

I\@K bk kda ì|gopg` B@CO Dicg pa vwp ih vdkog gccgopisg odkie gppdgeghp v|aog`w|g

kh` pkmg kdd egkw|g pbkp i `ggeg` cip ca| lapb v|a%kopisg kh` piegdy gppdgeghp ac kdd

pyvg ac odkie zipbih ;7 `ky k pbg dicg ihw|g| ì` hap bksg wob v|aog`w|g(

]<9U



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g|siog v|asi`g| _pkh`k|` Dicg Vdo(

<( B@CO DICG DIMGDY PA CDAKP EKI@GH VWLDIO I__WG KCPG\

NWHG <6;;

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goah` bkdc ac hgrp ygk|$, B@CO Dicg E@ kh` OGA Keipklb Obkw`b|y ki`(

?( B@CO DICG KZK\@G@ JAD@GH VGKOAOM B\ GROGDDGHOG

KZK\@ <6;;

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Cihkhoikd # Ihw|khog _gopa|*

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Cihkhoikd # Ihw|khog _gopa|* kp pbg <<h` IA@ Khhwkd @ky bgd` ih Hgz @gdbi ah Kwjwp

;9$ <6;;( Pbi kzk|` komhazdg`jg B@CO Dicg’ gcca|p pazk|` ihhaskpisg vgavdg

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`yhkeio Ihìkh dicg ihw|khog ih`wp|y(

]?6U



Oaeeghpihj ah pbg kobigsgeghp$ \kngh`|k Jbkj$ Grgowpisg Siog V|gi`ghp$ B\$ B@CO

Dicg ki`$ —Zg k|g baha|g` pa |gogisg pbg Jad`gh Vgkoaom Kzk|` ca| B\ Grogddghog(

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skdi`kpg aw| gcca|p pazk|` ghbkhoihj pbg a|jkhi~kpiah* vgavdg okvklidipy |gwdpihj ih k

bijbdy ghjkjg` kh` gccioighp za|m ca|og(―

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Nwpiog V H Lbkjzkpi$ ca|eg| Obigc Nwpiog ac Ihìk kh` Egelg|$ WH Bwekh \ijbp

Oaeeiiah(

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0( B@CO DICG IH_W\KHOG I_ DIMGDY PA JA VWLDIO IH PBG HGRP

PZA YGK\_$ _KY_ B@CO OBKI\EKH @GGVKM VK\GMB(

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v|gghp(

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lggh avg|kpiah ca| ;6 ygk|( Ca| k dahj pieg$ oaevkhig dimg IOIOI V|w`ghpikd$ _LI Dicg

]?;U



kh` B@CO Dicg Ihw|khog bksg lggh zkipihj ah pbg i`gdihg ca| k ja%kbgk` ca| IVA k

vg| ha|e iwg` ly I\@K(

7( B@CO DICG DGK@_ @AHKPIAH @\ISG IH EIHIHJ OAEEWHIPY IH

NKE_BG@VW\

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ac pbg oawhp|y* daokd eihihj oaeewhipig ih pbg gkpg|h oipy ac Nkebg`vw| k vk|p ac pbg

oaevkhy* oa|va|kpg aoikd |gvahilidipy "O_\) ihipikpisg ‒_zklbiekkh’(

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obid`|gh$ zaegh kh` ad` vgavdg lgdahjihj pa pbg daokd oaeewhipy ih pbg Lw|ek Eihg

|gjiah ih Nkebg`vw|$ pbg ihw|g| ki` ih k pkpgeghp(

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aoigpy$― \kngh`|k Jbkj$ grgowpisg siog v|gi`ghp$ B\ ac B@CO Dicg$ ki` ih pbg

pkpgeghp(

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@gsgdaveghp Cihkhog Oa|va|kpiah Dp` "B@CO)$ kh` pbg Whipg` Mihjàe%lkg` cihkhoikd

g|siog v|asi`g| _pkh`k|` Dicg Vdo(

Pbg oaevkhy bk 766 l|khobg v|gk` ko|a :66 oipig kh` pazh ih pbg oawhp|y(

3( B@CO DICG IHP\A@WOG_ P\K@IPIAHKD IH_W\KHOG VDKH %%

_KEVAA\H _KE\I@BI

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hah%dihmg` ihw|khog vdkh %% _kevaa|h _ke|i`bi %% pbkp accg| lghgcip ac lapb$ kh

ghàzeghp vdkh kh` k zbadg dicg vdkh(

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kh` Obigc Avg|kpihj Acciog| Vk|gb Vk|khi ki` ih k pkpgeghp(

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]?<U



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pbg lkio v|geiwe$ Vk|khi k``g`(

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WM%lkg` cihkhoikd g|siog v|asi`g|(

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ih pbg naihp sghpw|g(

:( B@CO _PKH@K\@ DICG IH_W\KHOG PA IHNGOP \_ ;76 O\A\G

C\G_B OKVIPKD

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vki`%wv okvipkd ac \ <$;:6 o|a|g(

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pbg ci|p ygk|$ lwp k pbg lkomlaam "gripihj owpaeg| lkg) iho|gkg a| ic vgavdg

w||gh`g|$ yaw jghg|kpg okb$― ki` Keipklb Obkw`b|y$ ekhkjihj ì|gopa| kh` OGA$

B@CO _pkh`k|` Dicg(

Bg kda kèip pbkp oaevkhy paam dahj pieg "ca| k`ìhj okvipkd pa pbg lwihg) k

oaevk|g` pa apbg| vdkyg| ih pbg ihw|khog ih`wp|y(

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àegpio ek|mgp kcpg| `g|gjwdkpiah ih ;999( Pbg oaevkhy bk ziphgg` k j|azpb ac ;7%;:' ih hgz lwihg kh` ?:' j|azpb ih |ghgzkd `w|ihj pbg ciokd ygk| <6;6%;;(

]??U



?(< DIPG\KPW\G \GSIGZ

I( —K V|angop \gva|p ah B@CO― ly —Nijk| N _ahi―

Pbg v|angop zk v|gvk|g` ca| pbg caddazihj alngopisg>

Pa mhaz pbg oaevkhy v|acidg

Pa mhaz pbg oaevgpipa| ac B@CO

Pa mhaz pbg Pgobhadajy wg` kh` Pgobhi{wg wg` ih pbg za|mihj ac B@CO

Pa grvdkih pbg |goghp `gsgdaveghp ih pbg lkhm

Pa mhaz pbg _ZAP khkdyi ac pbg oaevkhy

Pa mhaz pbg eg|jg| ac pbg oaevkhy

V|angop grvdkihg` ìccg|ghp `gvk|peghp ac pbg oaevkhy>

;( B\ `gvk|peghp> Pbg Lkhm bk oahipghpdy lgdigsg` pbkp l|ak`g| gevdaygg

azhg|biv ac ip bk|g bk k vaipisg ievkop ah ip vg|ca|ekhog kh` gevdaygg

eapiskpiah( Pbg Lkhm’ gevdaygg paom avpiah obgeg a ck| oasg| k|awh` 9666gevdaygg(

<( Eg|jg| zipb Oghpw|iah Lkhm ac Vwhnkl Dieipg`> Ah Ek|ob <:$ <662$ pbg

bk|gbad`g| ac pbg Lkhm kooa|`g` pbgi| oahghp pa k obgeg ac kekdjkekpiah ac

Oghpw|iah Lkhm ac Vwhnkl Dieipg` zipb B@CO Lkhm Dieipg`( Pbg bk|gbad`g| ac

pbg Lkhm kvv|asg` pbg iwkhog ac ahg g{wipy bk|g ac \(;6!% gkob ac B@CO Lkhm

Dieipg` ca| gsg|y <9 g{wipy bk|g ac \g( ;!% gkob bgd` ih Oghpw|iah Lkhm ac Vwhnkl

Dieipg`( Pbi i wlngop pa |gogivp ac Kvv|askd c|ae pbg \gg|sg Lkhm ac Ihìk$ paom

grobkhjg kh` apbg| |g{wiipg pkpwpa|y kh` |gjwdkpa|y kwpba|ipig( Pbg bk|gbad`g|

kda kooa|`g` pbgi| oahghp pa iwg g{wipy bk|g kh`!a| zk||khp oahsg|pildg ihpa

g{wipy bk|g kp pbg |kpg ac \(;$7?6(;? gkob pa B@CO Dieipg` kh`!a| apbg|

]?0U



v|aeapg| j|awv oaevkhig ah v|gcg|ghpikd lki$ wlngop pa cihkd |gjwdkpa|y

kvv|askd ih pbi |gjk|`( Pbg _bk|gbad`g| ac pbg Lkhm bksg kda kvv|asg` kh

iho|gkg ih pbg kwpba|i~g` okvipkd c|ae \(076 o|a|g pa \(776 o|a|g(

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Pbg lkhm ad` pbgi| v|a`wop pa zbadgkdg| kh` |gpkidg| kh` o|gkpg j|awv p|khkopiah(

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ac pbg p|khkopiah( Pbg |gwdp ac ihp|a`woihj i ih pbg ca|e ac hgz owpaeg|(

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pbge a lkhm okh jap pbg ekriewe lghgcip c|ae ip( Gkob zbadgkdg| bk ea|g pbkh ;7 pa

<6 |gpkidg|$ a ly pbi zky lkhm gdd pbg lwdm v|a`wop(

Lkhm kdzky cih` pbag owpaeg| zba k|g ea|g ihsadsg ih pbg lkhmihj p|khkopiah( Pbipyvg ac j|awv p|khkopiah lgpzggh pbg zbadgkdg| kh` |gpkidg| ekihpkih pbg zgdd kooawhp

ih k lkhm(

II( —OAEVK\KPISG KHKDY_I_ AC B@CO _DIO ZIPB APBG\

IH_W\KHOG OAEVKHY―

ALNGOPISG_ AC PBG _PW@Y

s Pa khkdyi pbg v|a`wop `gpkid ac B@CO _pkh`k|` dicg Ihw|khog Oaevkhy

dieipg` kh` apbg| ihw|khog oaevkhy(

s Pa cih` ‒Vaihp ac Vk|ipy’ kh` ‒Vaihp ac @iccg|ghog’ ac B@CO _pkh`k|` Dicg

Ihw|khog Oaevkhy Dieipg` kh` apbg| ihw|khog oaevkhy(

s Pa cih` awp ckopa| pbkp ihcdwghog owpaeg| pa vw|obkg ihw|khog vadioig kh`

jisg wjjgpiah ca| cw|pbg| iev|asgeghp(Pbg v|angop week|i~g` pbg oaevgpipa| ac B@CO _DIO kh` ip vaipiah ih pbg ih`wp|y(

B@CO _pkh`k|` Dicg ihw|khog i pbg ad`gp dicg ihw|khog oaevkhy ih pbg za|d`( Ip i pbg

dk|jgp ihw|g| ih pbg WM kh` i pbg <2 pb dk|jgp oaevkhy ih pbg za|d`( Ih Ihìk$ pbg

oaevkhy i ek|mgpihj dicg ihw|khog v|a`wop kh` whip dihmg` ihsgpeghp vdkh( C|ae ey

]?7U



|ggk|ob kp B@CO _DIO$ I cawh` pbkp pbg oaevkhy bk k dap ac oaevgpipiah c|ae apbg|

v|iskpg ihw|g| dimg IOIOI$ Ksisk$ Li|dk _wh Dicg kh` Pkpk KIJ( Ip kda ckog oaevgpipiah

c|ae DIO( Pa oaevgpg gccgopisgdy B@CO _DIO oawd` dkwhob obgkvg| kh` ea|g

|gkahkldg v|a`wop zipb ekdd v|geiwe kh` ba|p vadioy pg|e "pbg hwelg| ac ygk|’

v|geiwe i pa lg vki`)( Pbg i`gkd v|geiwe zawd` lg lgpzggh \( 7666 ‟ \( <7666 kh`

kh i`gkd vadioy pg|e zawd` lg ;6 ‟ <6 ygk|(

B@CO ewp k`sg|pig |gjwdk|dy kh` o|gkpg l|kh` skdwg ca| ip v|a`wop kh` g|siog( Eap

ac ip oaevgpipa| dimg Ksisk$ IOIOI$ Ekr$ \gdikhog kh` DIO wg pgdgsiiah

k`sg|pigeghp pa v|aeapg pbgi| v|a`wop( Pbg Ihìkh oahweg| bk k ckdg vg|ogvpiah

klawp ihw|khog ‟ pbgy cggd pbkp ip zawd` hap lghgcip pbge ic pbgy à hap disg pb|awjb pbg

vadioy pg|e( Hazk`ky bazgsg|$ eap vadioig k|g whip dihmg` vdkh zbg|g k owpaeg| i

lghgcipg` gsgh ic pbgi| `gkpb àg hap aoow| `w|ihj pbg vadioy pg|e( Pbi egkjg bawd`

lg oahsgyg` pa vapghpikd owpaeg| a pbkp pbgy |gkìdy ihsgp ih ihw|khog(

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ihw|khog( Avpiewe |gpw|h ac ;3 ‟ <6 ' ewp lg v|asi`g` pa oahweg| pa mggv pbge

ihpg|gpg` ih vw|obkihj ihw|khog(

Ah pbg zbadg B@CO pkh`k|` dicg ihw|khog i k jaa` vdkog pa za|m kp( Gsg|y hgz |go|wip

i v|asi`g` zipb grpghisg p|kihihj ah whip dihmg` cwh`$ cihkhoikd ihp|weghp kh` pbg

v|a`wop ac B@CO( Pbi p|kihihj ghkldg kh k`sia|!kdg ekhkjg| pa ek|mgp pbg vadioig lgppg|( B@CO zk |khmg` ;? ih pbg Lgp Vdkog pa Za|m w|sgy( Pbg oaevkhy bawd` p|y

pa o|gkpg kzk|ghg klawp ipgdc ih Ihìk( Ih pbg jdalkd ek|mgp ip i kd|gk`y sg|y vavwdk|(

Zipb kh iev|asgeghp ih pbg kdg pgobhi{wg wg`$ k cki| lip ac k`sg|piihj kh`

eaìciokpiah pa pbg gripihj v|a`wop va|pcadia$ B@CO zawd` lg kdd gp pa okvpw|g pbg

ihw|khog ek|mgp ih Ihìk k ip bk k|awh` pbg jdalg(

III( —\GO\WIPEGHP KH@ _GDGOPIAH AC CIHKHOIKD

OAH_WDPKHP CA\ B@CO DICG―

% LY SIHA@ V\KNKVKP

]?3U



ALNGOPISG% Pa pw`y pbg vg|cgop ek|mgp ca| B@CO DICG kh` pa kvv|akob vgavdg

pazk|` b`co dicg

O\IPG\IK CA\ \GO\WIPEGHP AC C(O IH B@CO DICG>

• Bg bawd` lg kpdgkp ;<pb vkg`(

• Bg bawd` oaevdgpg bi I\@K p|kihihj(

• Bg bawd` odgk| bi I\@K grke(

• Bg bawd` pb|awjb woogcwddy pbg grke kh` p|kihihj(

• Bg bawd` bksg vg|ahkd oahpkop

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• Bg bawd` lg klasg ;2 ygk|

AVVA\PWHIPIG_>

• Cdgrildg za|m pieihj

• ^g|a ihsgpeghp

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• Kpp|kopisg |gewhg|kpiah

OAHODW_IAH>

• _aeg vgavdg k|g hap kzk|g klawp pbg CO obgeg(

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pbgegdsg zbiob zidd g|sg pbge k k grp|k ihoaeg ca| pbgi| ckeidy(

• Gd`g| vgavdg okh kop k k jaa` aw|og ac l|ihjihj lwihg pa pbg oaevkhy k pbgy

k|g sg|y aoikd( Lgihj aoikd vdky k sipkd |adg ih l|ihjihj lwihg pa pbg

oaevkhy(

_WJJG_PIAH_>

• C|gg dicg oasg| ca| gsg|y CO(

]?:U



• Oaevkhy bawd` a|jkhi~g pbg v|aj|keeg ih aoigpy$ a pbkp vgavdg zidd lg kzk|g

klawp pbg oaevkhy(

• @ioawhpg` |kpg v|geiwe ca| ckeidy egelg| ac CO(

?(? @GSGDAVEGHP_ AC PBG OAEVKHY

OG\PICIOKPG OAW\_G DKWHOBG@ LY B@CO

Ih dihg zipb ip gcca|p pa v|asi`g pbg lgp%ih%odk dgk|hihj$ za|m ghsi|aheghp$ ghkldihj

owdpw|g kh` `gsgdaveghp avva|pwhipig$ B@CO _pkh`k|` Dicg bk dkwhobg` k <%eahpb

Og|piciokpg V|aj|keeg ih Ihw|khog kh` Ekhkjgeghp( Pbg mgy alngopisg ac pbi

v|aj|keeg i pa gdgop$ p|kih$ kh` j|aae pkdghp c|ae ko|a pbg oawhp|y pa ghw|g k |gk`y vaad ac ihw|khog%p|kihg` kdg v|acgiahd ca| pbg oaevkhy(

L|kh`g` k Ci|p K`skhpkjg$ pbi <%eahpb Og|piciokpg V|aj|keeg ih Ihw|khog kh`

Ekhkjgeghp i vgoikddy `gsgdavg` pa okpg| j|k`wkpg zba k|g daamihj ca| k |gzk|ìhj

ok|gg| ih pbg ihw|khog ih`wp|y( Ah woogcwd oaevdgpiah ac pbg v|aj|keeg$ kh` vap

kgeghp$ okhì`kpg zawd` lg kvvaihpg` k _kdg @gsgdaveghp Ekhkjg| kp B@CO

_pkh`k|` Dicg

Pbg gdgopiah v|aog ca| pbg <%eahpb Og|piciokpg V|aj|keeg ah Ihw|khog kh`

Ekhkjgeghp ihodw`g z|ippgh pgp $ j|awv ìowiah kh` ihpg|sigz( Ip ihodw`g ahg

eahpb odk|aae giah kh` ahg eahpb *ah%pbg%nal p|kihihj* kp B@CO DICG

]?2U



<6;; OIA ;66 KZK\@

B@CO Dicg bk lggh kzk|`g` <6;; OIA ;66 "Ihpg|hkpiahkd) Kzk|` ca| ZAH@G\_$ ip

ghpg|v|ig zi`g za|mcdaz ypge( Pbg <6;; OIA ;66 Kzk|` baha| ;66 oaevkhigjdalkddy pbkp grgevdicy pbg p|kpgjio vk|phg|biv ac IP kh` lwihg( Pbg ;66 oaevkhig

gdgopg` ca| pbi ygk|ì₤ℬ OIA ;66 Kzk|` `geahp|kpg` hap ahdy pbkp pbgy zg|g kldg pa

o|gkpg hgz skdwg wihj IP kh` pa grgowpg pbgi| v|angop zgdd$ lwp kda pbkp pbgy ì` a ih

whoaeeah$ ihhaskpisg zky> viahgg|ihj k hgz pgobhadajy$ kvvdyihj k ckeidik|

pgobhadajy pa k hgz vw|vag$ gppihj pbg lk| bijbg| ca| pbgi| oaevgpipa|( B@CO Dicg kda

|gogisg` <6;; OIA ;66 Kzk|` "Ihìk) ca| pbg 7pb oahgowpisg ygk|(

K_IK LG_P GEVDAYG\ L\KH@ KZK\@_ <6;;

B@CO Dicg |gogisg` 7 kzk|` ko|a ìsg|g okpgja|ig ih Kik Lgp Gevdayg| L|kh`

Kzk|` ih pbg OEA Kik Kzk|` ca| Grogddghog ih L|khìhj kh` Ek|mgpihj( Pbg kzk|`

okpgja|ig pbkp B@CO Dicg bk zah k|g> Yawhj B\ V|acgiahkd ac pbg Ygk|$ Pkdghp

Ekhkjgeghp$ Lgp B\ _p|kpgjy ih Dihg zipb Lwihg$ Ihhaskpiah ih \go|wipeghp kh`

L|kh` Dgk`g|biv Kzk|` Ca| Grogddghog ih L|khìhj kh` Ek|mgpihj(

YWSK BG\A KZK\@

B@CO Dicg |gogisg` Ywsk Bg|a Kzk|` c|ae pbg HJA Ywsk Whpavvkldg ca|

oahp|ilwpiah pazk|` wvdicpeghp ac dgg| v|isidgjg` obid`|gh( Ywsk Whpavvkldg i k

v|geig| sadwhpgg| easgeghp zipb k ca|og ac 36$666 yawhj vgavdg ko|a ?6 oipig ac

Ihìk bgdvihj ea|g pbkh ;66$666 mi` ih ewhioivkd obaad ! dwe pb|awjb a|jkhi~kpiahkd

vk|phg|biv zipb obaad$ oaddgjg kh` oa|va|kpg oaevkhig(

PAV 76 LG_P OAEVKHIG_ PA ZA\M CA\ IH IH@IK IH <6;;

B@CO Dicg bk lggh k`nw`jg` ahg ac pbg Lgp Oaevkhig pa Za|m ca| ih Ihìk ih <6;;$

ca| pbg goah` oahgowpisg ygk|( Pbg oaevkhy vk|pioivkpg` ih pbg J|gkp Vdkog pa Za|mÌ¨

pw`y kh` |khmg` ci|p ih pbg ihw|khog okpgja|y( Ip |khmg` 06pb ah pbg Pav 76 Lgp

Oaevkhig pa Za|m ca|$ ih Ihìk <6;; dip( Pbg pw`y bk bazh pbkp B@CO Dicg àg k

]?9U



j|gkp nal ih ip |gzk|` kh` |goajhipiah v|aj|ke zipb hweg|aw gsghp kh` ogdgl|kpiah

pa |goajhi~g gevdaygg oahp|ilwpiah( B@CO Dicg kda v|asi`g sk|iaw gdc `gsgdaveghpkd

kh` v|acgiahkd j|azpb avva|pwhipig ca| kdd gevdaygg( Ea|g pbkh 0:6 oaevkhig

vk|pioivkpg` ih pbg pw`y$ ekmihj ip pbg dk|jgp wob pw`y ih Ih ik( B@CO Dicg

vk|pioivkpg` ih pbi pw`y ca| pbg goah` oahgowpisg pieg(

IH@IKH IH_W\KHOG KZK\@_ <6;;

B@CO Dicg bk zah pbg *Lgp V|a`wop Ihhaskpiah Kzk|` <6;;Ì % Dicg Ihw|khog* ca| pbg

v|a`wop *B@CO _D O|gp* kp pbg Ihìkh Ihw|khog Kzk|` <6;;( B@CO _D O|gp bk lggh

k p|gh`gppihj ihhaskpiah ih pbg ek|mgp zbiob bk ek`g B@CO Dicg pbg zihhg| ac pbg

kzk|`( ,Pbg Ihìkh Ihw|khog Kzk|` <6;;, i kh ihipikpisg ly Ihìk Ihw|khog \gsigz ih

kaoikpiah zipb Ogdghp( Pbg kzk|` zk a|jkhig` pa bahaw| dicg ihw|khog oaevkhig* vg|ca|ekhog$ j|azpb$ v|a`wop kh` ek|mgp ihhaskpiah$ owpaeg| g|siog kh` pgobhadajy

pb|awjbawp pbg ygk|(

OI_A ;66 KZK\@_ <6;;

B@CO Dicg bk lggh kzk|`g` pbg Pav ;66 OI_A Kzk|` <6;;$ ca| `geahp|kpihj

awppkhìhj vg|ca|ekhog ih ip ihca|ekpiah gow|ipy kh` pgobhadajy v|kopiog( B@CODicg* Obigc Ihca|ekpiah _gow|ipy Acciog| "OI_A) % _bk|k` _k`k`gmk|$ zk |goajhi~g`

keahjp pbg Pav ;66 OI_A$ ca| ievdgeghpihj ahg ac pbg lgp Ihca|ekpiah _gow|ipy

v|kopiog keahjp Ihìkh oaevkhig$ kp k jkdk gsghp ih Ewelki( Pbg *Pav ;66 OI_A

Kzk|`* |goajhi~g grgowpisg zba bksg `geahp|kpg` awppkhìhj ihipikpisg ih wihj

ihca|ekpiah gow|ipy v|kopiog kh` pgobhadajy pa gow|g pbgi| lwihg kh` eiiah o|ipiokd

ihca|ekpiah ih pbg eap gccgopisg ekhhg| kh` `gdisg| lwihg skdwg$ ly o|gkpihj

oaevgpipisg k`skhpkjg$ avpiei~ihj lwihg v|aogg kh` iev|asihj |gdkpiahbiv zipb

owpaeg|( Pbg kzk|` i ci|p%ac%ip%mih` kh` kie pa l|ihj pa pbg oghp|g pkjg$ pbg

oahp|ilwpiah gow|ipy acciog| ekmg ih pbg bkvihj kh` gow|ihj pbg ihpgj|ipy ac

lwihgg(

IEO \LH[K % VG\CA\EKHOG GROGDDGHOG P\AVBY <6;6

]06U



B@CO Dicg bk lkjjg` pbg Ihìkh Eg|obkhp* Obkelg| \kem|ibhk Lknkn Hkpiahkd

[wkdipy Kzk|` "IEO \LH[K) <6;6( Pbg oaevkhy bk lggh `godk|g` k zihhg| ac pbg

Vg|ca|ekhog Grogddghog P|avby <6;6 ih pbg g|siog okpgja|y( Pbg oaevkhy vk|pioivkpg`

ih Ihìkh Eg|obkhp Obkelg| \kem|ibhk Lknkn Hkpiahkd [wkdipy Kzk|` "IEO \LH[K)

<669%;6 oyodg ca| pbg ci|p pieg kh` zah pbg kzk|` ih pbg g|siog okpgja|y( Pbg IEO

\kem|ibhk Lknkn Hkpiahkd [wkdipy Kzk|` i ahg ac pbg eap v|gpijiaw [wkdipy Kzk|`

ih pbg oawhp|y( Pbg kzk|` v|aog pk|pg` zipb ekhwckopw|ihj a|jkhi~kpiah kh` haz

oasg| ir okpgja|igÌ % ekhwckopw|ihj$ g|siog$ ekdd lwihg$ asg|gk$ g`wokpiah kh`

bgkdpb ok|g( Ip bk 0 dgsgd ac |goajhipiahÌ % Oaeegh`kpiah Og|piciokpg$ Og|piciokpg ac

Eg|ip$ Vg|ca|ekhog Grogddghog P|avby kh` pbg IEO \LH[K Kzk|`(kh`k|` Dicg acciog(

OBKVPG\ % 0

@KPK KHKDY_I_

• @kpk oaddgopiah ihp|weghp

• @kpk khkdyi

0(; @KPK OADDGOPIAH IH_P\WEGHP

K gei%p|wopw|g` mih` ac {wgpiahhki|g zk `gijhg` zbiob oahpkihg` lapb avgh% gh`g`

kh` ewdpivdg%obaiog {wgpiah(

Pbg {wgpiahhki|g `gijhg` zk pa v|asi`g `wkd ihca|ekpiah bk|ihj pyvg$ ip i g|iawdy

wh`g|pkmgh pbkp khyahg zba i wh`g|jaihj pbg v|aog$ bawd` cih` bi ihpg|gp a| gdg bg

eijbp baz ìihpg|gp pazk|` pbg v|aj|keeg( Pbg {wgpiahhki|g zk g{wkddy ieva|pkhp

lapb pa pbg owpaeg| k zgdd k pa pbg oaevkhy pa `|kz awp ip v|avgop(

Pbg {wgpiahhki|g zk `gijhg` pa eggp kdd pbg alngopisg ac pbg w|sgy cwddy kh` bgdvg`w ih mhazihj pbg hgg` ac pbg owpaeg| kh` pbg ek|mgp skdwg kh` iekjg ac pbg oaevkhy

c|ae pbag zba kd|gk`y bk` kh grvg|ighog zipb pbg EHYD( Ea|gasg|$ ip bgdvg` w pa

jisg wjjgpiah pa pbg oaevkhy a k pa okpg| owpaeg|’ hgg` ih k ewob lgppg| zky kh`

bghog l|ak`gh ip owpaeg| lkg(

Pbgg khkdysgs zg|g àhg ah pbg lki ac caddazihj>

]0;U



• Zbgpbg| pbg vgavdg ihsgp aegzbg|g a| hap1

• Zbgpbg| pbgy bksg ihw|g` pbgi| dicg a| hap1

• Zbkp k|g pbg |gkah ac pbgi| ihsgpeghp ih dicg ihw|khog1

• Zbiob oaevkhy pbgy p|wp ca| dicg ihw|khog1

@a ìccg|ghp p|kpgjig ac dicg Ihw|khog oaevkhig ihcdwghog pbgi| `goiiah pa jgp ihw|g`

c|ae pbkp oaevkhy1 Gpo(

ZBKP I_ YAW\ V\ACG__IAH1

ô 06 |gvah`ghp k|g v|iskpg gevdayggô 76 |gvah`ghp k|g lwihgekh

ô ;6 |gvah`ghp k|g aopa|(

]0<U



ZBKP KJG J\AWV YAW CKDD IHPA1

ô ;6 |gvah`ghp ckdd wh`g| kjg j|awv ac ;2%<7ô ?6 |gvah`ghp ckdd wh`g| kjg j|awv ac <7%?7

ô 06 |gvah`ghp ckdd wh`g| kjg j|awv ac ?7%76

ô <6 |gvah`ghp ckdd wh`g| kjg j|awv ac Klasg 76(

]0?U



ZBIOB IHOAEG J\AWV YAW CKDD IHPA1

ô 7 |gvah`ghp ckdd wh g| ihoaeg j|awv ac dg pbkh ? dkoô <7 |gvah`ghp ckdd wh`g| ihoaeg j|awv ac ?%7 dko

ô 06 |gvah`ghp ckdd wh`g| ihoaeg j|awv ac 7%: dko

ô ?6 |gvah`ghp ckdd wh`g| ihoaeg j|awv ac ea|g pbkh : dko(

]00U



@A YAW MHAZ KLAWP I\@K1

ô 77 |gvah`ghp k|g kzk|g ac I\@K

ô 07 |gvah`ghp k|g hap kzk|g ac I\@K

]07U



@A YAW BKSG IH_W\KHOG VADIOIG_1

s 36' ac pbg vgavdg bksg pkmgh ihw|khog vadioig lgokwg pbgy k|g kzk|g pbkp dicg i

whog|pkih$ kh` ea|gasg| aeg ac pbge bksg pkmgh ihw|khog vadioig pa ksai` pbg

lw|`ghaeg ah pbgi| ckeidy kcpg| khy eibkv(

s 06' ac pbg vgavdg bksg hap pkmgh khy ihw|khog vadioig lgokwg ekna|ipy ac pbge k|g

lwihgekh kh` pbgy ahdy p|gkp pbi k ca| ihsgpeghp vw|vag kh` ihpg|gp ah vadioig

]03U



k|g daz kh` vadioy pghw|g i bijb a pbgy pbihm ihsgpihj ih pbgi| azh lwihg zawd` lg

ea|g v|acipkldg ca| pbge(

ZBIOB IH_W\KHOG OAEVKHIG_ K\G YAW KZK\G AC PBKP

K\G P\W_PG@ LA@IG_1

6

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0

3

2

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Ihsw|khog Oaevkhigs

;7

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B@CO

LKNKN

KSISK

IOIOI

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IHJ

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Eap ac pbg vgavdg pbihm pbkp B@CO zawd` lg k lgppg| avpiah pa ihsgp ih lgokwg ac pbg

jaa`zidd ac B@CO LKHM( Eap ac pbg vgavdg k|g lgh`g` pazk|` pbg jaa`zidd pbkp

B@CO vag ih ek|mgp a pbgy pbihm ip’ k lgppg| avpiah pa ihsgp ih(

]0:U



ZBIOB AC PBG CADDAZIHJ YAW V\GCG\1

s :6 vgavdg v|gcg| pa ja ca| |gjwdk| v|geiwe vadioig k eap ac pbge lgdahj pa ei``dg%

odk ckeidig a pbgy pbihm |gjwdk| v|geiwe vkyihj i pbg lgp kh` pbg eap ypgekpio

avpiah ca| pbg pbge k oaevk|g` pa ahg pieg ihsgpeghp(

s ?6 vgavdg v|gcg| pa ja ca| ihjdg v|geiwe vadioig k pbgy lgdahj pa bijb v|acidg kh` pbg

cwpw|g i whog|pkih a pbgy zkhp pa ihsgp ahg pieg eahgy zbiob zidd |g`wog pbg

lw|`ghaeg ca| ckeidy ih cwpw|g(

]02U



ZBKP I_ YAW\ ALNGOPISG AC IH_W\KHOG1

s ?6 vgavdg ky pbkp pbgy ihsgp ih ksihj vdkh k pbgy zkhp pa o|gkpg k vaad ca| pbgi|

obid`|gh kh` ckeidy ih cwpw|g(

s <6 vgavdg pbihm pbkp dicg i whog|pkih a ip lgppg| pa kcgjwk|` pbgi| ckeidy ly ihsgpihj ih

ihw|khog vadioig(

s ;7 vgavdg v|gcg| ihsgpihj zipb pbg kie ac ksihj pkr( Pbgy lgdahj pa bijbg| odk a pbgy

pbihm ip’ k lgppg| kh` ea|g cgkildg zky ca| pbge pa ksg pkr(s ;6 vgavdg ky pbkp pbgy zidd v|gcg| g`wokpiah vadioig ca| pbg lgppg|eghp ac cwpw|g$ pbgy

vdkh pa o|gkpg k vaad ac eahgy ca| pbgi| g`wokpiah vw|vag ih a|`g| pa ksai` bih`|khog$ ic

khy

s ;6 vgavdg ky pbkp pbgy ihsgp zipb kh alngopisg ac ihsgpeghp zipb dicg oasg|(

s ;6 vgavdg ky pbkp pbgy eky a| eky hap bksg khy alngopisg ac ihsgpeghp(

]09U



s 7 vgavdg pbihm pbkp pbgy bawd` bksg k |gjwdk| ihoaeg zbgh pbgy k|g |gpi|g`( Pbgg k|g

jghg|kddy lwihgekh zba àgh’p bksg khy |gjwdk| vghiah kcpg| |gpi|geghp(

CA\ ZBKP PG\E @A YAW JGHG\KDDY IHSG_P1

ô <7 |gvah`ghp jghg|kddy ihsgp ca| dg pbkh ;6 ygk|

ô 07 |gvah`ghp jghg|kddy ihsgp ca| ;6%;7 ygk|

ô ?6 |gvah`ghp jghg|kddy ihsgp ca| ea|g pbkh ;7 ygk|

]76U



K\G YAW KZK\G AC WHIP DIHMG@ VDKH_1

s :6' ki` pbkp pbgy k|g kzk|g ac pbg whip dihmg` vdkh(

s ?6' àgh’p mhaz pbg ìccg|ghog lgpzggh whip dihmg` vdkh kh` ghàzeghp vdkh

lgokwg ca| pbge lapb g|sg pbg vw|vag ac ihw|khog(

]7;U



ZBKP PYVG AC WHIP DIHMG@ VDKH_ @A YAW IHSG_P IH1

s 76 vgavdg ky pbkp pbgy zidd v|gcg| pa ihsgp ih ghàzeghp vdkh lgokwg pbgy àh’p bksg

|im pkmihj okvkoipy kh` pbgy zkhp pa kobigsg jakd ah vgoicio `kpg(

s ?6 vgavdg ky pbkp pbgy zkhp k |gjwdk| ihoaeg kcpg| |gpi|geghp a pbgy pbihm vghiah vdkh

i pbg lgp avpiah pa ihsgp ih( eap ac pbgg k|g lwihgekh kh` v|acgiahkd(

s <6 vgavdg ky pbkp obid`|gh vdkh i pbg lgp avpiah ca| pbge k pbgy zkhp pa gow|g pbgi|

cwpw|g ly v|asiìhj lgppg| g`wokpiah(

]7<U



ZBKP LGHGCIP_ YAW DAAM CA\ LGCA\G VW\OBK_IHJ

IH_W\KHOG VADIOIG_!VDKH_1

s 06 vgavdg zawd` daam ca| pbg iho!`go ac v|geiwe lgokwg keg v|a`wop i accg|g` ly

ìccg|ghp oaevkhig kp ìccg|ghp v|geiwe a pbg ihsgpa| zawd` daam wvah pbg lgp avpiah

keahj pbg kdpg|hkpisg(

s ?7 vgavdg zawd` daam ca| pbg zipobihj cwh` avpiah lgokwg ic aegzbg|g pbg ihsgpa|

pbihm pbkp bg i hap jgppihj pbg grvgopg` |gpw|h a bg okh bksg pbg avpiah pa zipob

bi!bg| cwh`(

s<7 vgavdg zawd` daam ca| pbg zipb`|kzkd ckoidipy k pbgy okh kskid pbg eahgy$ zbgh|g{wi|g`(

]7?U



BAZ EKHY IH_W\KHOG OASG\_ BKSG YAW PKMGH1

ô <6 |gvah`ghp jghg|kddy bksg ahg ihw|khog oasg|

ô <7 |gvah`ghp jghg|kddy bksg pza ihw|khog oasg|

ô ?7 |gvah`ghp jghg|kddy bksg pb|gg ihw|khog oasg|

ô <6 |gvah`ghp jghg|kddy bksg ea|g pbkh pb|gg ihw|khog oasg|

]70U



Obkvpg| % 7

Cihìhjs # \goaeegh`kpiahs

• Cihìhj• Oahodwiah

• \goaeegh`kpiah

7(; CIH@IHJ_

k) 06' ac pbg vadioybad g| k|g gevdayg` ih vsp( _gopa| kh` 76' k|g gdc%gevdayg`(

Ahdy ;6' ac vadioybad`g| k|g gevdayg` ih jasp( gopa|(

l) 7' ac pbg kevdg vavwdkpiah lgdahj pa pbg ihoaeg l|komgp ac ? dko kh` <7'

lgdahj pa ?%7 dko( Pbg|gca|g v|a`wop wipkldg pa pbi odk ac owpaeg| ewp lg

`gsgdavg`(

o) Ahdy 77' ac pbg kevdg vavwdkpiah i kzk|g ac I\@K( Pbg|gca|g kppgevp bksg pa

lg ek`g pa o|gkpg j|gkpg| kzk|ghg klawp I\@K pbkp bgdv pa iho|gkg pbg

|gdiklidipy(

`) 36' ac pbg vavwdkpiah bk ihw|khog oasg|( Pbi egkh pbg|g i pidd k j|gkpg|

ek|mgp pbkp bk pa pkv(

g) IOIOI V|w`ghpikd i oahi g|g` pa lg pbg eap |gdikldg a|jkhi~kpiah ih pbg eih` ac

kevdg vavwdkpiah caddazg` ly B@CO _DIO kh` pbgh Ae Mapkm( Pbg|gca|g

B@CO _DIO bk pa iho|gkg pbg dgsgd ac |gdiklidipy pa lgkp ip p|ahjgp oaevgpipa|(

c) ?6' ac vavwdkpiah v|gcg| ihjdg v|geiwe oasg|( Pbg|gca|g ea|g ac |gjwdk|

v|geiwe v|a`wop bksg pa lg v|a`wog`(

j) ;7' ac pbg vavwdkpiah vw|obkg ihw|khog v|a`wop pa jgp pkr lghgcip(?6' pa

ihow| ksihj(;6' ca| g`wokpiahkd vw|vag(;6' ca| ihsgpeghp eapisg kh` 7'ca| vghiah(

b) <7' ac pbg vavwdkpiah v|gcg| pa ihsgp ca| k pg|e ac dg pbkh ;6ygk| kh` 07' ac

pbge v|gcg| pa ihsgp ca| k pg|e ac ;6%;7 ygk|(

i) Ahdy :6' ac pbg vavwdkpiah bk pkmgh Whip dihmg` vdkh( Pbi ievdig pbg|g i k

dk|jg ek|mgp pbkp i kskidkldg ca| pbi v|a`wop(

]77U



n) <6' ac pbg vavwdkpiah vw|obkg obid`|gh vdkh$ 76' vw|obkg ghàzeghp kh`

?6' vw|obkg vghiah vdkh(

m) <7' ac pbg vavwdkpiah ggm ca| zipb`|kzkd ckoidipy kh` 06' ggm ca| v|geiwe

cdgrilidipy ah obaaihj ca| ihw|khog v|a`wop(

d) <6' ac pbg vavwdkpiah bk ahdy ahg ihw|khog oasg|$ <7' bksg pza oasg| kh`

ahdy <6' bksg ea|g pbkh pb|gg oasg|(

e) B@CO _DIO bk pa caow ah dazg| obk|jg kh` v|asiìhj j|gkpg| lghgcip pa

o|gkpg k j|gkpg| owpaeg| lkg(

h) IOIOI V|w`ghpikd i pbg lijjgp oaevgpipa| ac B@CO _DIO ih pg|e ac v|a`wop

sk|igpy$ o|gkpihj kzk|ghg$ koogilidipy$ kh` {wkdipy ac g|siog(

C|ae sgoah`k|y saw|ogs

Ek|mgp bk|g ac sk|iaw ihw|khog a|jkhi~kpiah ih Kv|%Nwh’67>

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Date post:	06-Apr-2018
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