Icici(a Study on Unit Link Plans of Icici Prudentia)

7/21/2019 Icici(a Study on Unit Link Plans of Icici Prudentia)

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CKPXKPMVG G_XKSWPG EGMPNLND

―M SVWF\ KN WNLV ELNA XEMNS KI LCLCL XPWFGNVLME‒

M xpkjgcv pgxkpv sw`blvvgf vk vog Ylsygstmpmlmo vgconkekdlcmewnlygpslv| ln xmpvlme iweileebgnv ki vog pg}wlpgbgnvs ikp vog

mtmpf ki vog fgdpgg ki

BMSVGP KI @WSLNGSS MFBLNLSVPMVLKN

Pgxkpv Sw`blvvgf @|



CKNVGNVS

CgpvlilcmvgsFgcempmvlkn `| vog SvwfgnvLnfg % Elsv ki Vmègs ) Elsv ki Dpmxos

G_GCWVLYG SWBBMP\

Comxvgp = LNVPKFWCVLKN ==.= Lnfwsvp| Xpkileg 3=.0 Ckbxmn| Xpkileg <=.3 Xpkfwcv Xpkileg =4=.6 Kxgpmvlknme Ckncgxvs 07

Comxvgp 0 4 S BKFGE ) STKV MNME\SLS0.= Mxxelcmvlkn ki 4 S Bkfge 040.0 STKV Mnme|sls 37

Comxvgp 3 FGSLDN KI VOG SVWF\3.= Nggf ki vog svwf| 343.0 Svmvgbgnv ki vog xpkègb 343.3 K`jgcvlygs ki vog Pgsgmpco 34

3.6 Bgvokfkekd| ki vog pgsgmpco 3?3.7 Sckxg ki vog Svwf| 3<3.9 Elblvmvlkns ki vog Svwf| 68

Comxvgp 6 MNME\SLS MNF LNVGPXPGVMVLKN 6=

Comxvgp 7 PGSGMPCO ILNFLNDS 9<

Comxvgp 9 SWDDGSVLKNS MNF CKNCEWSLKNS 48

@L@ELKDPMXO\ 40

MNNG_WPGS= Ilnmnclme Svmvgbgnvs0 ]wgsvlknnmlpg3 Tggae| Pgxkpvs



Cknvgnvs Xmdg nk

KCCWXMVLKN KI VOG PGSXKNFGNVS

BKNVOE\ LNCKBG KI VOG PGSXKNFGNVS

PGSXKNFGNVS MTMPGNGSS VKTMPFS XPLYMVG ELIGLNSWPMNCG CKBXMN\S

CKWSVKBGPS MTMPGNGSS VKTMPFS FLIIGPGNVV\XGS KI LNSWPMNCG CKBXMNLGS

V\XG KI MTMPGNGSS KI VOG LNSWPMNCG CKBXMNLGS@\ VOG PGSXKNFGNVS

PGSXKNFGNVS OMYLND LNSWPMNCG XKELC\

MTMPGNGSS KI WNLV ELNA XPKFWCV KI LCLCLXPWELIGMTMPGNGSS KI FLIIGPGNV WNLV ELNA XPKFWCVS KILCLCL

MTMPGNGSS KI OLDO GMPNLND BMPAGV ELNA XKELC\ LN VOG BMPAGV

BKSV XPGIGPPGF LNSWPMNCG CKBXMNLGS WNLV ELNA XKELC\

CPLVGPLM IKP SGEGCVLND VOG LNSWPMNCG CKBXMN\

MTMPGNGSS BMFG @\ KVOGPS

SGPYLCG XPKYLFGF @\ LCLCL XPWELIG

@GNGILVS PGCLGYGF IPKB VOG XPKFWCVS

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ELSV KI VM@EGS



Cknvgnvs Xmdg nkKCCWXMVLKN KI VOG PGSXKNFGNVS

BKNVOE\ LNCKBG KI VOG PGSXKNFGNVS

PGSXKNFGNVS MTMPGNGSS VKTMPFS XPLYMVG ELIGLNSWPMNCG CKBXMNLGS

CKWSVKBGPS MTMPGNGSS VKTMPFS FLIIGPGNVV\XGS KI LNSWPMNCG CKBXMNLGS

V\XG KI MTMPGNGSS KI VOG LNSWPMNCG CKBXMNLGS@\ VOG PGSXKNFGNVS


MTMPGNGSS KI WNLV ELNA XPKFWCV KI LCLCLXPWELIG

MTMPGNGSS KI WNLV ELNA XPKFWCV KI LCLCLXPWELIG

MTMPGNGSS KI OLDO GMPNLND BMPAGV ELNA XKELC\ LN VOG BMPAGV

BKSV XPGIGPPGF LNSWPMNCG CKBXMNLGS WNLV ELNA XKELC\



SGPYLCG XPKYLFGF @\ LCLCL XPWELIG

@GNGILVS PGCLGYGF IPKB VOG XPKFWCVS

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ELSV KI DPMXOS



G_GCWVLYG SWBBMP\

Vog xpgsgnv svwf| ki vog pgsgmpcogp gnvlvegf% ―Bmpagv Svwf| Ki Wnlv Elnagf Xemn LnLnswpmncg Lnfwsvp| Tlvo Pgigpgncg Vk LCLCL XPWFGNVLME ‒ ls cknfwcvgf mv CKCOLN Clv| ikp m

xgplkf ki 0 bknvos ipkb = sv Jwe| vk Mwdwsv 3=sv 0887.

Ln kpfgp vk imclelvmvg vog ckbxmn| ln mvvmlnlnd vogpg k j̀gcvlygs% smbxeg slzg tms fgvgpblngf `|

cknygnlgncg smbxelnd vgconl}wg. Vogn vog }wgsvlknnmlpg tms xpgxmpgf mnf mfblnlsvpmvgf vk vog

cwsvkbgps tok mpg fgmelnd tlvo vog `mnas. Vog fmvm sk ckeegcvgf tms vm`wemvgf% mnme|zgf mnf lnvgpxpgvgf%

mnf ckncewslkns tgpg fpmtn. Vogn vog pgckbbgnfmvlkns tgpg dlygn vk vog ckbxmn| mcckpflnd vk vog

mnme|sls mnf lnvgpxpgvmvlkn.

LCLCL Xpwfgnvlme Elig Lnswpmncg tms gsvmèlsogf ln 0888 tlvo m ckbblvbgnv vk g xmnf mnf

pgsomxg vog Elig Lnswpmncg Lnfwsvp| ln Lnflm. Vog ckbxmn| tms mbkndsv vog ilpsv xplymvg sgcvkp lnswpmncg

ckbxmnlgs vk `gdln kxgpmvlkns mivgp pgcglylnd mxxpkyme ipkb Lnswpmncg Pgdwemvkp| Fgygekxbgnv

Mwvokplv| /LPFM,% mnf ln vog vlbg slncg% oms vmagn sgygpme svgxs vktmpfs lvs pgmelzlnd lvs dkme.

Vog bmln k`jgcvlyg ki vog svwf| tms vk mssgss vog ymplkws wnlv elna xemns ln vog lnswpmncg

lnfwsvp| mnf vk lfgnvli| vog ymplkws imcvkps vomv lniewgncg vog cwsvkbgp vk `w| vog wnlv elna xkelc|.

Vog smbxeg slzg tms cknslfgpgf vk `g =88 mnf smbxeg vgconl}wg wsgf tms cknygnlgnv smbxelnd.

Fwplnd vog cknfwcv ki vog svwf|% vog bmln elblvmvlkn mscgpvmlngf tms vomv vog svwf| ckygpgf kne| vog wnlv

elna xemn ki lnswpmncg lnfwsvp| ln Ckcoln mnf vlbg cknilngf vk ? tggas

Vog bmln nggf ki vog svwf| tms lfgnvlilgf vk `g ms vk fliigpgnvlmvg vog igmvwpgs ki Wnlv Elna Xemns

ipkb kvogp ckbxgvlvlyg lnswpmncg xpkfwcvs. Vog ckbxmn| igev vomv vogpg ls m nggf vk mnme|zg mnf lfgnvli|

lvs ckbxgvlvlyg xkslvlkn ln vog bmpagv. Vogpg tms mesk m nggf vk ilnf vog xpkfwcv% tolco cwsvkbgps

swddgsvgf bksve|. Ln kpfgp vk gnwnclmvg vols nggf sxgclilc svwf| tms wnfgpvmagn. Seldov fgcelng ln vog

xpkfwcvs ki wnlv elna xemns ikp vog xmsv vopgg bknvos ki LCLCL XPWFGNVLME omyg dlygn sckxg ikp vog

svwf| ki vols xpkjgcv.



ILNFLNDS

⇐ Bmjkplv| ki vog pgsxknfgnv /7?', mpg mtmpg ki bmpagv elnagf oldo gmpnlnd xkelclgs

ln vog bmpagv xekvvgf `| ymplkws lnswpmncg ckbxmn|

⇐ Ipkb vog svwf| <7' ki vog pgsxknfgnv tlee dk ikp m xkelc| li vog| mpg bmfg mtmpg ki

vog nggf ms tgee ms vog `gngilv ki bmpagv elnagf xkelc|

SWDDGSVLKNS

⇐ LCLCL Xpwelig sokwef cpgmvg bkpg mtmpgngss vk vog xgkxeg tok mpg ckblnd vk vog

`mna `| dlylnd bkpg gfwcmvlkn m`kwv vog xpkfwcv tlvo ckncgpn ki vog cwsvkbgp

⇐ Vog bmnmdgbgnv sokwef vmag mxxpkxplmvg svgxs vk cknylncg vog cwsvkbgp m`kwv vog

nggfs mnf `gngilvs ki vog xpkfwcv



LNVPKFWCVLKN

Elig lnswpmncg bmfg lvs fg`wv ln Lnflm tgee kygp =88 |gmps mdk. Lvs smelgnv igmvwpgs mpg nkv ms

tlfge| wnfgpsvkkf ln kwp ckwnvp|% ms vog| kwdov vk `g. Tomv ikeekts ls mn mvvgbxv vk mc}wmlnv pgmfgps

tlvo skbg ki vog ckncgxvs ki elig lnswpmncg% tlvo sxgclme pgigpgncg vk ELC. Lv sokwef% oktgygp% `g cegmpe|

wnfgpsvkkf vomv vog ikeektlnd nmppmvlkn ls `| nk bgmns mn g omwsvlyg fgscplxvlkn ki vog vgpbs mnf

cknflvlkns ki m ELC xkelc| kp lvs `gngilvs kp xplylegdgs. Ikp bkpg fgvmles% xegmsg cknvmcv kwp @pmnco kp

Flylslknme Kiilcg. Mn| ELC Mdgnv tlee `g demf vk ogex |kw cokksg vog elig lnswpmncg xemn vk bggv |kwp nggfs mnf pgnfgp xkelc| sgpylclnd.

Elig Lnswpmncg ls m cknvpmcv ikp xm|bgnv ki m swb ki bkng| vk vog xgpskn msswpgf /kp imlelnd

olb+ogp% vk vog xgpskn gnvlvegf vk pgcglyg vog smbg, kn vog omxxgnlnd ki vog gygnv lnswpgf mdmlnsv.

Wswmee| vog cknvpmcv xpkylfgs ikp vog xm|bgnv ki mn mbkwnv kn vog fmvg ki bmvwplv| kp mv sxgclilgf fmvgs

mv xgplkflc lnvgpymes kp mv wnikpvwnmvg fgmvo% li lv kccwps gmpelgp. Mbknd kvogp volnds% vog cknvpmcv m

xpkylfgs ikp vog xm|bgnv ki xpgblwb xgplkflcmee| vk vog Ckpxkpmvlkn `| vog msswpgf. Elig lnswpmncg ls

wnlygpsmee| mcanktegfdgf vk `g mn lnsvlvwvlkn% tolco gelblnmvgs $plsa$% sw`svlvwvlnd cgpvmlnv| ikp

wncgpvmlnv| mnf ckbgs vk vog vlbge| mlf ki vog imble| ln vog wnikpvwnmvg gygnv ki fgmvo ki vog

`pgmftlnngp. @| mnf empdg% elig lnswpmncg ls clylelzmvlkn“s xmpvlme skewvlkn vk vog xpkègbs cmwsgf `|

fgmvo. Elig lnswpmncg% ln sokpv% ls ckncgpngf tlvo vtk omzmpfs vomv svmnf mcpkss vog elig"xmvo ki gygp|

xgpskn: vomv ki f|lnd xpgbmvwpge| egmylnd m fgxgnfgnv imble| vk ignf ikp lvsgei mnf vomv ki elylnd vk kef

mdg tlvokwv ylslèg bgmns ki swxxkpv

Mn| xgpskn tok oms mvvmlngf bmjkplv| mnf ls geldlèg vk gnvgp lnvk m ymelf cknvpmcv cmn vmag kwv m elig

lnswpmncg xkelc| ikp olbsgei mnf kn voksg ln tokb og oms lnswpmèg lnvgpgsv. Xkelclgs cmn mesk `g vmagn

kwv% sw`jgcv vk cgpvmln cknflvlkns% kn vog elig ki kng$s sxkwsg kp colefpgn. Toleg wnfgptplvlnd xpkxksmes%

imcvkps swco ms vog svmvg ki ogmevo ki vog elig vk `g msswpgf% vog xpkxkngnv$s lnckbg mnf kvogp pgegymnv

imcvkps mpg cknslfgpgf `| vog Ckpxkpmvlkn.



Xplkp vk nmvlknmelzmvlkn /=<79,% bmn| ki vog xplymvg lnswpmncg ckbxmnlgs wsgf vk kiigp

lnswpmncg vk igbmeg elygs tlvo skbg g vpm xpgblwb kp kn pgsvplcvlyg cknflvlkns. Mivgp nmvlknmelzmvlkn ki

elig lnswpmncg% vog vgpbs wnfgp tolco elig lnswpmncg ls dpmnvgf vk igbmeg elygs omyg `ggn pgylgtgf ipkb

vlbg vk vlbg. Mv xpgsgnv% tkbgn tlvo gmpngf lnckbg mpg vpgmvgf kn xmp tlvo bmeg elygs. Ln kvogp cmsgs% m

pgsvplcvlyg cemwsg ls lbxksgf mnf vomv vkk kne| li mdg ki vog igbmeg ls wx vk 38 |gmps mnf li sog fkgs nkv

omyg mn lnckbg mvvpmcvlnd Lnckbg Vm .



=.= LNFWSVP\ XPKILEG

Svmvlsvlcme Fgvmles/Dek`me ) Lnflm"Vk xpkylfg mn lnsldov lnvk vog xkvgnvlmes ,

Vols sgcvlkn dlygs m fgvmlegf svmvlsvlcs m`kwv Lnswpmncg Bmpagv ln Lnflm ms tgee ms vog Dek`me

Lnswpmncg Lnfwsvp|.

Vog dek`me Elig Lnswpmncg bmpagv svmnfs mv & =03=.? `leelkn % Toleg vog Nkn – Elig

Lnswpmncg bmpagv ls xemcgf mv & ?<9.< `leelkn.

Vog Wnlvgf Svmvgs lvsgeimcckwnvs ikp m`kwv kng – volpf ki vog & 0%=0?.4 `leelkn dek`me

lnswpmncg bmpagv mnf Jmxmn svmnfs ng v tlvo 03.=' sompg.Lnflm vmags vog 03pf xkslvlkn tlvo & 4.0 `leelkn mnwmee xpgblwb ckeegcvlkns mnf m bgmdgp

8.36' sompg.

Kwv ki kng ̀ leelkn xgkxeg ln Lnflm% kne| 37 bleelkn xgkxeg mpg ckygpgf ̀ | lnswpmncg.

Lnflm“s Elig Lnswpmncg xpgblwb ms m xgpcgnvmdg ki DFX ls jwsv =.6' .

Lnflmn Lnswpmncg bmpagv ls sgv vk vkwco & 07 `leelkn `| 08=8% kn vog msswbxvlkn ki 9 – ?

' pgme mnnwme ln DFX.

PGSXKNSG KI G_LSVLND XEM\GP / ELC ikp Elig Lnswpmncg Sgcvkp , :

Vog g lsvlnd xem|gp ln Elig Lnswpmncg `wslngss% ylz. ELC oms nkv pgbmlngf slegnv vk mee vogsg

giikpvs ki vog ngte| emwncogf Elig Lnswpmncg ckbxmnlgs. Vog ckpxkpmvlkn oms vmagn m nwb`gp ki

lnlvlmvlygs vk ckwnvgp vog vopgmv xksgf vk lvs olvogpvk wncomeemndgf fkbmln. Skbg ki vogsg bgmswpgs mpg

dlygn `gekt : "

Ckbxwvgplzmvlkn ki mee ELC `pmncogs vk xpkylfg vgconkekdlcme gfdg mnf `gvvgp cwsvkbgp

sgpylcg `| tm| ki imsvgp cemlb xpkcgsslnd

Cpgmvlkn ki Bgvpk Mpgm Ngvtkpa / BMN , mnf elnalnd lv tlvo vog ckbxmn| Tlfg Mpgm

Ngvtkpa / TMN , ikp lnsvmnv mccgss vk xkelclgs mcpkss vog clv|.



Lnvpmcvlyg Yklcg Pgsxknsg S|svgb / LYPS , ln bgvpkxkelvmn clvlgs ikp `gvvgp cwsvkbgp

sgpylcg.

Vlg –wx tlvo LF@L – Xplnclxme ikp emwnco ki m ngt Colefgpn“s Lnswpmncg Scogbg.

Kiigp sxgclme vpgmvbgnv vk xkelc| okefgps omylnd xkelclgs tlvo m swb msswpgf ki Ps = emao

mnf m`kyg. Sgvvlnd wx sgxmpmvg cgees ln 47 – =88 `pmncogs mcpkss vog ckwnvp| vk cmvgp vk

lvs oldo gnf cwsvkbgps.

Sxgclmevpgmvbgnv ikp oldo ymewg mfflnd Mdgnvs vk ckwnvgp xkmcolnd `| xplymvg kxgpmvkps.

Ekkalnd `g|knf vog Lnflmn bmpagvs – Jklnv Ygnvwpg tlvo Ylsome dpkwx ki Ngxme ikp mn

gnvp| lnvk Ngxme bmpagv.

KVOGP LBXKPVMNV GYGNVS :

@mncmsswpmncg :

Kng ki vog bmjkp comndgs vomv omyg `ggn tlvngssgf kygp vog xmsv igt bknvos ls vog lbxgnflnd

empdg – scmeg lnvpkfwcvlkn ki @mncmsswpmncg ln Lnflmn Lnswpmncg bmpagv. Lnflm“s empdgsv `mna S@L om

gnvgpgf lnvk mn meelmncg tlvo Cmpflii S.M ki Ipmncg vk emwnco voglp ktn Elig Lnswpmncg xpkfwcvs. @gslfgs

vomv LCLCL % Y|s|m @mna% LF@L % OFIC omyg glvogp emwncogf voglp Lnswpmncg xpkfwcvs. Mnkvogp pgcgn

gykewvlkn ls m swffgn lncpgmsg ln vog nwb`gp ki Mdgnvs sgeelnd vog lnswpmncg xpkfwcvs. @gslfgs `mnas

%swco flygpsg gnvlvlgs elag ck"kxgpmvlyg skclgvlgs / LIICK ,% Mxxmpge bmnwimcvwpgs / Cpkckfleg , gvc. mpg

ln vog pmcg ki flsvpl`wvlkn ki lnswpmncg xpkfwcvs



LPFM MCV :

Tlvo vog xmssmdg ki vog LPFM Mcv% LPFM oms `gckbg vog pgdwemvkp ki vog lnswpmncg lnfwsvmp|.

Vog LPFM tkwef omyg vog xktgp vk pgxemcg vog bmnmdgbgnv ki vog ckbxmn| li lv fkgs nkv mcv xpkxgpe|mnf li vog pgdwemvkp ls flssmvlsilgf tlvo voglp xgpikpbmncg. Vows% vog bmnmdgbgnv tkwef omyg vk `g ilv

mnf xpkxgp. Vog xwpxksg `golnf vols g gpclsg ls vog nggf vk fgygekx mn gegbgnv ki vpwsv mbknd vog

xkelc|okefgps ikp vog xplymvg sgcvkp lnswpmncg ckbxmnlgs.

Bmn| ngt xplymvg lnswmncg ckbxmnlgs omyg gnvgpgf mnf skbg mpg ln vog wpdg ki gnvgplnd vog lnswpmncg

`wslngss. Sk% lv bm| vmag skbg ikp vog xkelc|okefgp vk fgygekx vpwsv ln vogb. Ogncg % vog jk` ki

fgygekxlnd vog cknilfgncg mbknd vog cknswbgps ckbg fktn vk LPFM . LPFM tlee `g fklnd sk `|

ckncgnvpmvlnd kn vpwsv `wleflnd. Skbg ki vog bgmswpgs vomv bldov `g cknslfgpgf vpwsv `wleflnd lncewfg

blnlbwb cmxlvme ki Ps =88 cpkpg% mwvokplv| vk comndg vog bmnmdgbgnv% xpkbkvgps vk mfogpg vk skeygnc|

bmpdln pg}wlpgbgnv kn fmle| `msls mnf jwsvli|lnd vog xpgblwbkn vog ngt xpkfwcv gvc.

Oktgygp% LPFM tkwef nkv k`jgcv vk vog smbg xpkbkvgps iekmvlndbkpg vomn kng lnswpmncg ckbxmn| ms

eknd ms lv ls swccgssiwe ln iweileelnd mee vog cplvgplm“s elsvgf `| vog LPFM. Vog xpkylslkns ki LPFM tkwef

ogex ln lnflcmvlnd vk vog cwsvkbgp voglp pldovs mnf mesk voglp kèldmvlkns. Vows vog xpkylslkns tkwef nkv

kne| ogex ln cknigfgncg `wleflnd ikp vog cknswbgps `wv tlee mesk ogex vog lnfwsvp| vkiekwplso. Vog xpkylslkn vomv vog ikpgldn g}wlv| ls cmxxgf mv 09 ' bgmns vomv vog BNC gnvpmnvs cmnnkv dk mekng mnf

tlee omyg vk vlg wx tlvo xmpvngps ln vog ikpb ki Lnflmn ckbxmnlgs gnvgplnd lnvk vols sgcvkp. Vols

xpkylslkns gnswpgs vomv vog ikpgldn xem|gps tkwefn“v dgv vog ckbxegvg cknvpke ki vog ilpbs vog| mpg

iekmvlnd. Oktgygp vk egygpmdg kn vog flsvpl`wvlkn ngvtkpa ki skbg ki vog g lsvlnd xem|gps% vog| tkwef

omyg mn|tm| ekkagf mv xmpvngpsolx tlvo skbg ki vog g lsvlnd xem|gps. Ogncg% vols xpkylslkn oms%

giicvvlyge| pgsvplcvgf voglp xktgp ln vog jklnv ygnvwpg. @wv lv fkgsn“v omyg mn| mn| giigcv kn voglp

kxgpmvlkns. Iwpvogp% vog xpkylslkns vomv gygn vog fkbgsvlc xmpvngp tkwef omyg vk flewvg lvs g}wlv| vk 09 '

kygp m vgn |gmp vlbg xgplkf% gnswpgs vomv vogpg ls m tlfg sxpgmf okeflnd mnf vomv vog `gngilvs ki vog

ckbxmn| mpg sxpgmf kygp m tlfgp xkxwemvlkn.



Vog xpkylslkns elag ngv tkpvo vk `g bmlnvmlngf mv Ps =88 cpkpgs tkwef ogex vog ckbxmnlgs ln

m`skp`lnd sokcas. Lv tkwef mesk gnswpg vomv vog cwsvkbgps mpg fgmelnd tlvo xpkigsslknme% eknd vgpb

xem|gps mnf nkv tlvo ie| ̀ | nldov kxgpmvkps .

Iwpvogp% vk smigdwmpf vog cknswbgp“s lnvgpgsv% mn| ngt xpkfwcv vomv vog xpkbkvgps xemn vk

lnvpkfwcg tlee pg}wlpg mxxpkyme ipkb vog LPFM . Nkv kne| vomv% vog lnswpmncg xpkylfgp tlee omyg vk jwsvli|

vog xpgblwb kn gmco ki vog ngt xpkfwcv. Gygn vog kvogp xpkylslkns pgemvgf vk skeygnc| bmpdlns mnf vk

fgxkslvs tkwef `g `gngilclme ikp vog cknswbgps. Swco nkpbs mpg mesk ckbbkn ln mebksv mee ckwnvplgs ln

vog tkpef mnf vog| gnswpg vomv dkkf xem|gps kne| svm| ln vog ilgef. Vols gnswpgs ogmevo| ckbxgvlkn mnf

gelblnmvgs xem|gps mv iplndgs vomv xksg plsa nkv kne| vk vog cknswbgps `wv mesk vk vog s|svgb ms m tokeg

fwg vk vog cknvmdlkn giigcv.

Vog xpkylslkn vomv iwnfs ki vog xkelc|okefgps tkwef nkv `g meektgf vk `g pgxmvplmvgf m`pkm` vlgs

vog omnfs ki vog lnswpmncg ilpbs ln ekkalnd mv dkkf lnygsvbgnv kxxkpvwnlvlgs m`pkmf. Vog| tkwef omyg vk

vmag vols lnvk mcckwnv ln voglp lnygsvbgnv fgclslkns mnf mesk ln voglp plsa bmnmdgbgnv iwncvlkns. Ikp vog

cknswbgps% vols ls `gngilclme `gcmwsg ms eknd ms iwnffs svm| ln Lnflm vogpg ls skbg mbkwnv ki smigv| ms

vog pgdwemvkp cmn svgx ln% ln cmsg ki fliilcwevlgs.

Vog lnygsvbgnv nkpbs mpg m sgv ki xpwfgnvlme nkpbs vomv mn| pgdwemvkp tkwef gnswpg vomv vog

ckbxmnlgs mfogpg vk. Vogsg gnswpg vog el}wlflv| ki vog ckbxmn| mnf mesk vomv vog ckbxmnlgs svm| ylmèg

kygp m xgplkf ki vlbg vk iweilee lvs xpkblsggs vk vog xkelc| okefgps. Oktgygp% vogsg nkpbs bldov xpkyg vk

m `lv pgsvplcvlyg vk vog lnswpmncg ilpbs% ms vog| tkwefnkv `g meektgf vk lnygsv bkpg vomn 07' ln ckpxkpmvg

mnf voglp sgcwplvlgs. Vog `memncg 47' tkwef omyg vk `g lnygsvgf ln dkygpnbgnv sgcwplvlgs mnf kvogp

mxxpkygf sgcwplvlgs. Ms m pgswev% voglp pgvwpns bldov `g }wlvg egss vomn tomv vog| ckwef giigcvlyge| gmpn

kvogptlsg.

Ogncg% vog ngt xem|gps tkwef omyg vk ekka mv voglp ilnmnclme bmnmdgbnv mcckpflnde|.

Vog xpkylslkns ki pwpme lnswpmncg ms m cgpvmln xgpcgnvmdg ki vog vkvme `wlslngss ls slblemp vk tomv

vog xplymvg `mnas omyg vk imcg. Vols xpkylslkn bldov xpkyg vk `g m nwlsmncg% ms tkwef vmag cknslfgpmèg



vlbg ikp vog ngt ckbxmnlgs vk bmvco svpgndvo ki ELC ln vog pwpme sgdbgnv. Oktgygp% ms mepgmf| xklnvgf

kwv ln vols pgxkpv% kng ki vog xplbg pgmskns ikp kxgnlnd wx ki lnswpmncg sgcvkp tms vk lncpgmsg vog

lnswpmncg xgngvpmvlkn ln vog pwpme ms tgee ms wp`mn Lnflm% vog xpkylslkn ls m svgx ln vog pldov flpgcvlkn. @wv

`gcmwsg ki vols xpkylslkn% ikp vog lnlvlme |gmps ki vog pwpme kxgpmvlkn bldov xpkyg vk `g bkpg cksve| vomn

vog `gngilvs vomv cmn `g fgplygf ipkb vogb. Kygpmee% vog xpkylslkns ki vog mcv mpg ygp| slblemp vk voksg

vomv g lsv ln kvogp ckwnvplgs mnf mpg `mslcmee| lnvgnfgf vk fgygekx vog cknswbgps“ vpwsv ln vog ngt

xem|gps.

Pgcgnv Mcvlylvlgs/JYs% Ngt Xem|gps Ln Elig Lnswpmncg,.

Lnflmn Lnswpmncg bmpagv oms sggn ogcvlsc mcvlylvlgs ln vog xmsv igt bknvos. Bmn| ngt jklnv

ygnvwpgs `gvtgggn Lnflmn mnf ixpgldn xmpvngps omyg `gggn sldngf% toleg skbg kef xmpvngps omyg mesk

imeegn `| vog tm|slfg.

@pgma kii @gikpg Vmag kii:

Toleg bksv ki vog pgcgnv gnvpmnvs mnf xpksxgcvlyg iwvwpg gnvpmnvs ln vog Lnflmn lnswpmncg bmpagv%

lfgnvli| lv ms omylnd owdg xkvgnvlme% m igt% xplbmple| voksg tolco omyg pgcgnve| kxvgf kwv ki voglp

pgsxgcvlyg jklnv ygnvwpgs tlvo Lnflmn xmpvngps% mpg g xpgsslnd sgcknf vokwdovs m`kwv vog Lnflmn bmpagv

xkvgnvlme. Skbg ki swco imbkws jklnv ygnvwpgs elag Dgpbmn Lnswpggp Meelmnz MD mnf Mexlc Ilnmncg% WA

lnswpgp CDW mnf @kb`m| F|glnd% WS lnswpgp MeeSvmvg mnf Fm`wp% Sxlc“ Bgvelig% @KL“ Cldnl gvc. omygomf vk `g m`wnfkngf fwg vk mxxpgognslkns ki xmpvngps m`kwv vog lnygsvbgnv cmx mnf bmnmdgbgnv lsswgs.

@wv% vogsg sgv`mcas omyg nkv svkxxgf kvogps vk bkyg mogmf mnf emwnco voglp xpkfwcvs ln vog Lnflmn

bmpagvs. Lnimcv% flygpsg ckbxmnlgs elag Ylfgkckn% Ogpk dpkwx gvc. mpg ln vog xpkcgss ki ikpblnd jklnv

ygnvwpgs vk emwnco voglp ktn lnswpmncg ckbxmnlgs.

Igt Swccgssgs:

Ckbxmnlgs elag LCLCL Xpwfgnvlme omyg mepgmf| mnnkwncgf mn mddpgsslyg xplclnd svpmvgd|% togpg

`| vog| mpg `plndlnd voglp xpkfwcvs mv m xplcg tolco ls 6"7' ektgp vomn vomv compdgf `| ELC. Mee vog

ngt gnvpmnvs ln Lnflmn Lnswpmncg sgcvkp omyg mesk `gggn ygp| mddpgsslyg kn vog ipknv ki pgcpwlvlnd. Mnf

bksv ki vogb omyg xpgiigpgf vk xkmco kn vog kiilcgps ki ELC mnf DLC. Vog g vgnv ki xkmcolnd oms

pgmcogf swco vk mn g vgnv vomv pgcgnve| DLC mnnkwncgf m`kwv cknslfgplnd fkwèlnd ki voglp kiilcgps“

smemplgs.



LCLCL Xpwfgnvlme pgcglygf mn mxxpkyme ikp 6 xkelclgs" 0 gnfktgbgnv xemns mnf 0

fgiiigpgf xgnslkn xkelclgs" slndeg xpgbgwb `knf mnf pgdwemp xpgblwb `knf. Mxmpv ipkb vogsg sw`

xpkfwcvs mpg ikwp ogmevo plfgps" Flssm`lelv|% oksxlvmelsmvlkn% cplvlcme leengss mnf swpdlcme `gngilvs.

OFIC" Svmnfmpf Elig: ―Vog ckbxmn| ls pgmf| tlvo =6 xpkfwcvs ikp tolco xpgblwb

tkwef `g : Bmpdlnmee| cogmxgp vomn vomv ki ELC‒. Vogsg =6 xpkfwcvs cmn `mslcmee| `g cmvgdkplsgf wnfgp

vtk bmln xpkfwcvs: Gnfktgbgnv mnf bkng| `mca xkelclgs% tolco mpg bmpagvgf slncg Jmnwmp| 0883.

Vogsg tkwef omyg ikwp plfgps% tolco ln ckb`lnmvlkn % tlee `g kiigplnd =6 xpkfwcv ymplgvlgs. Vog

gnfktgbgnv mnf bkng| `mca xkelc| dgngpmvg ?8' ki ELC“s `wslngss.



=.0 CKBXMN\ XPKILEG:

LCLCL Xpwfgnvlme Elig Lnswpmncg tms gsvmèlsogf ln 0888 tlvo m ckbblvbgnv vk g xmnf mnf

pgsomxg vog elig lnswpmncg lnfwsvp| ln Lnflm. Vog ckbxmn| tms mbkndsv vog ilpsv xplymvg sgcvkp lnswpmncg


Mwvokplv| /LPFM,% mnf ln vog vlbg slncg% oms vmagn sgygpme svgxs vktmpfs lvs pgmelzlnd lvs dkme. Vog

ckbxmn|$s tlfg pmndg ki xpkfwcvs% flsvpl`wvlkn svpgndvos mnf xktgpiwe `pmnf oms fplygn lvs dpktvo

mcpkss m cpkss"sgcvlkn ki xgkxeg mnf clvlgs. @| blf"Bmpco 0883% vog ckbxmn| cpkssgf vog 388%888 xkelc|

blegsvkng tlvo m xpgblwb lnckbg ki LNP 6.48 `leelkn mnf m vkvme swb msswpgf ln g cgss ki LNP 46

`leelkn. Vkfm|% vog ckbxmn| oms gsvmèlsogf lvsgei ms vog Nk. = xplymvg elig lnswpgp ln vog ckwnvp|.

YLSLKN:

Vk bmag LCLCL Xpwfgnvlme vog fkblnmnv Elig mnf Xgnslkns xem|gp `wlev kn vpwsv `| tkpef"cemss

xgkxeg mnf sgpylcg.

Vols tg okxg vk mcolgyg `|:

† Wnfgpsvmnflnd vognggfs ki cwsvkbgps mnf kiigplnd vogb swxgplkp xpkfwcvs mnf sgpylcg

† Egygpmdlndvgconkekd| vk sgpylcg cwsvkbgps }wlcae|% giilclgnve| mnf cknygnlgnve|

† Fgygekxlnd mnf lbxegbgnvlnd swxgplkp plsa bmnmdgbgnv mnf lnygsvbgnv svpmvgdlgs vk kiigp

swsvmlnmèg mnf svmèg pgvwpns vk kwp xkelc|okefgps

† Xpkylflnd mn gnmèlnd gnylpknbgnv vk iksvgp dpktvo mnf egmpnlnd ikp kwp gbxek|ggs

† Mnf m`kyg mee% `wleflnd vpmnsxmpgnc| ln mee kwp fgmelnds.

Vog swccgss ki vog ckbxmn| tlee `g ikwnfgf ln lvs wnielncolnd ckbblvbgnv vk 7 ckpg ymewgs ""

Lnvgdplv|% Cwsvkbgp Ilpsv% @kwnfmp| egss% Ktngpsolx mnf Xmsslkn. Gmco ki vog ymewgs fgscpl`gs tomv vog

ckbxmn| svmnfs ikp% vog }wmelvlgs ki kwp xgkxeg mnf vog tm| tg tkpa.



Tg fk `gelgyg vomv tg mpg kn vog vopgsokef ki mn g clvlnd ngt kxxkpvwnlv|% togpg tg cmn xem| m

sldnlilcmnv pkeg ln pgfgilnlnd mnf pgsomxlnd vog sgcvkp. Dlygn vog }wmelv| ki kwp xmpgnvmdg mnf vog

ckbblvbgnv ki kwp vgmb% vogpg mpg nk elblvs vk kwp dpktvo.

XMPVNGPS:

LCLCL mnf Xpwfgnvlme cmbg vkdgvogp ln =<<3 vk ikpb Xpwfgnvlme LCLCL Mssgv Bmnmdgbgnv Ckbxmn|%

tolco oms vkfm| gbgpdgf ms kng ki vog egmflnd bwvwme iwnfs ln Lnflm. Vog vtk ckbxmnlgs `plnd vkdgvogp

vtk ki vog svpkndgsv ilnmnclme sgpylcg `pmnfs ln Mslm% anktn ikp voglp xpkigsslknmelsb% g cgeegnv }wmelv|

ki sgpylcg mnf eknd vgpb ckbblvbgnv vk \KW. Plflnd kn vog swccgss ki vols pgemvlknsolx% vog vtk

ckbxmnlgs jklngf omnfs kncg bkpg ln 0888% vk ikpb LCLCL Xpwfgnvlme Elig Lnswpmncg% tlvo m

ckbblvbgnv vk xpkylfg egmflnd"gfdg elig lnswpmncg skewvlkns. LCLCL @mna oms 46' svmag ln vogckbxmn|% mnf Xpwfgnvlme xec oms 09'.

LCLCL @mna

LCLCL @mna /N\SG: L@N, ls vog empdgsv xplymvg sgcvkp `mna ln vog ckwnvp| tlvo mn mssgv `msg ki

kygp LNP =888 `leelkn. Vog @mna kiigps m `pkmf sxgcvpwb ki ilnmnclme sgpylcgs vk lnflylfwmes mnf

ckbxmnlgs lncewflnd fgxkslv mcckwnvs% ckbbgpclme `mnalnd% bkpvdmdgs% cmp ekmns% xgpsknme ekmns%

ckpxkpmvg mnf vpmfg ilnmncg% cpgflv mnf fg`lv cmpfs mnf kvogp `mnalnd sgpylcgs. LCLCL @mna vkfm|

sgpylcgs m dpktlnd cwsvkbgp `msg ki bkpg vomn 7 bleelkn cwsvkbgp mcckwnvs mnf 7 bleelkn `knfokefgp

mcckwnvs mcpkss vog ckwnvp| vopkwdo m bwevl"comnnge mccgss ngvtkpa. Vols lncewfgs kygp 688 `pmncogs

mnf g vgnslkn ckwnvgps% =08 pgvmle cgnvgps% =887 MVBs% cmee cgnvgps mnf Lnvgpngv `mnalnd. Ikp vog |gmp

gnfgf Bmpco 3=% 0880% LCLCL @mna xksvgf m ngv xpkilv ki LNP 0.7? `leelkn.

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Xpwfgnvlme xec

Gsvmèlsogf ln =?6?% xpwfgnvlme xec ls m egmflnd lnvgpnmvlknme ilnmnclme sgpylcgs ckbxmn| ln vog WA%

tlvo mpkwnf WS&049 `leelkn iwnfs wnfgp bmnmdgbgnv mnf bkpg vomn =3 bleelkn cwsvkbgps tkpeftlfg.

Xpwfgnvlme oms `pkwdov vk bmpagv mn lnvgdpmvgf pmndg ki ilnmnclme sgpylcgs xpkfwcvs vomv nkt lncewfgs elig

msswpmncg% xgnslkns% bwvwme iwnfs% `mnalnd% lnygsvbgnv bmnmdgbgnv mnf dgngpme lnswpmncg. Ln Mslm

Xpwfgnvlme ls W A“ s empdgsv elig lnswpmncg ckbxmn| tlvo m ymsv ngvtkpa ki 00 elig mnf bwvwme iwnf

kxgpmvlkns ln vtgeyg ckwnvplgs " Colnm% Oknd Aknd% Lnflm% Lnfkngslm% Jmxmn% Akpgm% Bmem|slm%

Xolelxxlngs% Slndmxkpg% Vmltmn% Vomlemnf mnf Ylgvnmb. Slncg =<03% Xpwfgnvlme oms combxlkngf

cwsvkbgp"cgnvplc xpkfwcvs mnf sgpylcgs% swxxkpvgf `| kygp 98%888 svmii mnf mdgnvs mcpkss vog pgdlkn.

XPKILEG KI LCLCL XPWFGNVLME ELIG LNSWPMNCG

LCLCL Xpwfgnvlme Elig Lnswpmncg tms gsvmèlsogf ln 0888 tlvo m ckbblvbgnv vk g xmnf mnfpgsomxg vog elig lnswpmncg lnfwsvp| L Lnflm. Vog ckbxmn| tms mbkndsv vog ilpsv xplymvg sgcvkp lnswpmncg


Mwvokplv| /LPFM,% mnf ln vog vlbg slncg% oms vmagn sgygpme svgxs vktmpfs lvs pgmelzlnd lvs dkme.

Vog ckbxmn|$s tlfg pmndg ki xpkfwcvs% flsvpl`wvlkn svpgndvos mnf xktgpiwe `pmnf oms fplygn lvs

dpktvo mcpkss m cpkss"sgcvlkn ki xgkxeg mnf clvlgs. @| blf"Bmpco 0883% vog ckbxmn| cpkssgf vog

388%888 xkelc| blegsvkng tlvo m xpgblwb lnckbg ki LNP 6.48 `leelkn mnf m vkvme swb msswpgf ln g cgss

ki LNP 46 `leelkn. Vkfm|% vog ckbxmn| oms gsvmèlsogf lvsgei ms vog Nk. = xplymvg elig lnswpgp ln vog

ckwnvp|.

LCLCL Xpwfgnvlme Elig Lnswpmncg Ckbxmn| Elblvgf tms lnckpxkpmvgf kn Jwe| 08% 0888. Vog

mwvokplzgf cmxlvme ki vog ckbxmn| ls Ps.0388 Bleelkn mnf vog xmlf wx cmxlvme ls Ps. =<88 Bleelkn. Vog

Ckbxmn| ls m jklnv ygnvwpg ki LCLCL @mna /46', mnf xpwfgnvlme xec WA /09',.

Vog Ckbxmn| tms dpmnvgf Cgpvlilcmvg ki Pgdlsvpmvlkn ikp cmpp|lnd kwv Elig Lnswpmncg `wslngss% `| vog Lnswpmncg Pgdwemvkp| mnf Fgygekxbgnv Mwvokplv| kn Nkygb`gp 06% 0888. Lv ckbbgncgf

ckbbgpclme kxgpmvlkns kn Fgcgb`gp =<% 0888% `gckblnd kng ki vog ilpsv igt xplymvg sgcvkp xem|gps vk

gnvgp vog el`gpmelzgf mpgnm.

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Kn Bmpco 3=% 0887 vog Ckbxmn| cpkssgf vog =88%888 xkelclgs blegsvkng% vpmnsemvlnd lnvk m

Xpgblwb Lnckbg ki mpkwnf Ps. =%008 Bleelkn mnf m swb msswpgf ki kygp Ps. 04%888 Bleelkn.

Vog Ckbxmn| pgckdnlzgs vomv vog fplylnd ikpcg ikp dmlnlnd swsvmlnmèg ckbxgvlvlyg mfymnvmdg ln vols

`wslngss ls swxgplkp cwsvkbgp g xgplgncg mnf lnygsvbgnv ̀ golnf vog `pmnf. Vog Ckbxmn| mlbs vk

mcolgyg vols `| svplylnd vk xpkylfg tkpef"cemss sgpylcg egyges vopkwdo cknsvmnv lnnkymvlkn ln xpkfwcvs%

flsvpl`wvlkn comnnges mnf vgconkekd|"`msgf fgelygp|. Vog Ckbxmn| oms mepgmf| vmagn sldnlilcmnv svgxs vk

mcolgyg vols dkme.

Ylslkn mnf Blsslkn:

Kwp ylslkn ls vk bmag LCLCL Xpwfgnvlme Elig Lnswpmncg Ckbxmn|vog fkblnmnv ngt lnswpgp ln vog

elig lnswpmncg lnfwsvp|. Vols tg okxg vk mcolgyg vopkwdo kwp ckbblvbgnv vk g cgeegncg% ikcws kn

sgpylcg% sxggf mnf lnnkymvlkn% mnf egygpmdlnd kwp vgconkekdlcme g xgpvlsg.

Vog swccgss ki vols kpdmnlzmvlkn tlee `g ikwnfgf kn lvs svpknd ikcws kn ymewgs mnf cemplv| ki xwpxksg.

Vogsg lncewfg:

† Wnfgpsvmnflnd vog nggfs ki cwsvkbgps mnf kiigplnd vogb swxgplkp xpkfwcvs mnf sgpylcg

† Egygpmdlndvgconkekd| vk sgpylcg cwsvkbgps }wlcae|% giilclgnve| mnf cknygnlgnve|

† Fgygekxlnd mnf lbxegbgnvlnd swxgplkp plsa bmnmdgbgnv mnf lnygsvbgnv svpmvgdlgs vk kiigp

svmèg pgvwpns vk kwp xkelc|okefgps

† Xpkylflnd mn gnmelnd gnylpknbgnv vk iksvgp dpktvo mnf egmpnlnd ikp kwp gbxek|ggs

Tg fk `gelgyg vomv tg mpg kn vog vopgsokef ki mn g clvlnd ngt kxxkpvwnlv|% togpg tg cmn xem| m

sldnlilcmnv pkeg ln pgfgilnlnd mnf pgsomxlnd vog sgcvkp. Dlygn vog }wmelv| ki kwp xmpgnvmdg mnf vog

ckbblvbgnv ki kwp vgmb% vogpg mpg nk elblvs vk kwp dpktvo.



Sxknskps : LCLCL oms nkt fgygekxgf m tokeg pmndg ki mcvlylvlgs vk `gckbg m Wnlygpsme @mna. Skbg ki

LCLCL“s sxgcvpwb ki mcvlylvlgs lncewfgs:

† Ckbbgpclme @mnalnd " LCLCL @mna% Lnflm$s ilpsv lnvgpngv `mna LCLCL Evf tms gsvmèlsogf ln =<77

`| vog Tkpef @mna% vog Dkygpnbgnv ki Lnflm mnf vog Lnflmn Lnfwsvp|% vk xpkbkvg lnfwsvplmefgygekxbgnv ki Lnflm `| xpkylflnd xpkjgcv mnf ckpxkpmvg ilnmncg vk Lnflmn lnfwsvp|.

Slncg lncgxvlkn% LCLCL oms dpktn ipkb m fgygekxbgnv `mna vk m ilnmnclme ckndekbgpmvg mnf oms

`gckbg kng ki vog empdgsv xwèlc ilnmnclme lnsvlvwvlkns ln Lnflm. LCLCL oms ilnmncgf mee bmjkp

sgcvkps ki vog gcknkb|% ckygplnd 9%?6? ckbxmnlgs mnf =9%?7= xpkjgcvs. Ln vog ilscme |gmp 0888"

088=% LCLCL omf fls`wpsgf m vkvme ki Ps 3=<.97 `leelkn.

† Lnikpbmvlkn Vgconkekd| " LCLCL LnikVgco% vpmnsmcvlkn xpkcgsslnd% skivtmpg fgygekxbgnv

† Lnygsvbgnv @mnalnd " LCLCL Sgcwplvlgs% kng ki vog ag| xem|gps ln vog Lnflmn Cmxlvme Bmpagvs

† Bwvwme Iwnf " Xpwfgnvlme LCLCL MBC% egmflnd xplymvg sgcvkp bwvwme iwnf xem|gp ln Lnflm

† Ygnvwpg Cmxlvme " LCLCL Ygnvwpg% egmflnd xplymvg g}wlv| lnygsvkp tlvo ikcws kn LV mnf

OgmevoCmpg

† Pgvmle Sgpylcgs " LCLCL XIS% Bmpagvlnd mnf Flsvpl`wvlkn ki Pgvmle Mssgv Xpkfwcvs

† Flsvpl`wvlkn " LCLCL Cmxlvme% Flsvpl`wvlkn mnf Sgpylclnd ki Pgvmle Elm`lelv| Xpkfwcvs

LCLCL ls elsvgf kn vog Lnflmn Svkca G comndgs mnf kn vog Ngt \kpa Svkca G comndg /N\SG,. Kn

Sgxvgb`gp 00% =<<<% lv `gcmbg vog ilpsv Lnflmn ckbxmn| vk `g elsvgf kn vog N\SG/s|b`ke: LC mnf

LC.F, . Vols oms `ggn ikeektgf `| vog elsvlnd ki LCLCL @mna kn N\SG /s|b`ke: L@N, kn Bmpco 0?%

0888.

YLSLKN

Vk `g vog fkblnmnv Elig mnf Xgnslkns xem|gp `wlev kn vpwsv `| tkpef"cemss xgkxeg mnf sgpylcg.

Lv okxgs vk mcolgyg vols `|:



Wnfgpsvmnflnd vognggfs ki cwsvkbgps mnf kiigplnd vogb swxgplkp xpkfwcvs mnf sgpylcg

Egygpmdlndvgconkekd| vk sgpylcg cwsvkbgps }wlcae|% giilclgnve| mnf cknygnlgnve|

Fgygekxlnd mnf lbxegbgnvlnd swxgplkp plsa bmnmdgbgnv mnf lnygsvbgnv svpmvgdlgs vk kiigp swsvmlnmèg mnf svmèg pgvwpns vk kwp xkelc|okefgps

Xpkylflnd mn gnmèlnd gnylpknbgnv vk iksvgp dpktvo mnf egmpnlnd ikp kwp gbxek|ggs

Mnf m`kyg mee% lv `gelgygs ln `wleflnd vpmnsxmpgnc| ln mee lvs fgmelnds. Vog swccgss ki vog ckbxmn|

ls ikwnfgf ln lvs wnielncolnd ckbblvbgnv vk 7 ckpg ymewgs "" Lnvgdplv|% Cwsvkbgp Ilpsv% @kwnfmp| egss%

Ktngpsolx mnf Xmsslkn. Gmco ki vog ymewgs fgscpl`gs tomv vog ckbxmn| svmnfs ikp% vog }wmelvlgs ki lvs

xgkxeg mnf vog tm| vog| tkpa.

Vog| fk `gelgyg vomv vog| mpg kn vog vopgsokef ki mn g clvlnd ngt kxxkpvwnlv|% togpg vog| cmn

xem| m sldnlilcmnv pkeg ln pgfgilnlnd mnf pgsomxlnd vog sgcvkp. Dlygn vog }wmelv| ki voglp xmpgnvmdg mnf vog

ckbblvbgnv ki voglp vgmb% vogpg mpg nk elblvs vk voglp dpktvo.

XMPVNGPS

LCLCL mnf Xpwfgnvlme cmbg vkdgvogp ln =<<3 vk ikpb Xpwfgnvlme LCLCL Mssgv Bmnmdgbgnv

Ckbxmn|% tolco oms vkfm| gbgpdgf ms kng ki vog egmflnd bwvwme iwnfs ln Lnflm. Vog vtk ckbxmnlgs

`pkwdov vkdgvogp vtk ki vog svpkndgsv ilnmnclme sgpylcg `pmnfs ln Mslm% anktn ikp voglp xpkigsslknmelsb%

g cgeegnv }wmelv| ki sgpylcg mnf eknd vgpb ckbblvbgnv vk vog cwsvkbgps. Plflnd kn vog swccgss ki vols

pgemvlknsolx% vog vtk ckbxmnlgs jklngf omnfs kncg bkpg ln 0888% vk ikpb LCLCL Xpwfgnvlme Elig

Lnswpmncg% tlvo m ckbblvbgnv vk xpkylfg egmflnd"gfdg elig lnswpmncg skewvlkns. LCLCL @mna oms 46'

svmag ln vog ckbxmn| mnf xpwfgnvlme xec oms 09'.

Xpwfgnvlme xec

Gsvmèlsogf ln =?6?% xpwfgnvlme xec ls m egmflnd lnvgpnmvlknme ilnmnclme sgpylcgs ckbxmn| ln vog WA%

tlvo mpkwnf WS&049 `leelkn iwnfs wnfgp bmnmdgbgnv mnf bkpg vomn =3 bleelkn cwsvkbgps tkpeftlfg.

Xpwfgnvlme oms `pkwdov vk bmpagv mn lnvgdpmvgf pmndg ki ilnmnclme sgpylcgs xpkfwcvs vomv nkt lncewfgs elig





msswpmncg% xgnslkns% bwvwme iwnfs% `mnalnd% lnygsvbgnv bmnmdgbgnv mnf dgngpme lnswpmncg. Ln Mslm

Xpwfgnvlme ls WA$$s empdgsv elig lnswpmncg ckbxmn| tlvo m ymsv ngvtkpa ki 00 elig mnf bwvwme iwnf

kxgpmvlkns ln vtgeyg ckwnvplgs " Colnm% Oknd Aknd% Lnflm% Lnfkngslm% Jmxmn% Akpgm% Bmem|slm%

Xolelxxlngs% Slndmxkpg% Vmltmn% Vomlemnf mnf Ylgvnmb. Slncg =<03% Xpwfgnvlme oms combxlkngf

cwsvkbgp"cgnvplc xpkfwcvs mnf sgpylcgs% swxxkpvgf `| kygp 98%888 svmii mnf mdgnvs mcpkss vog pgdlkn.

LCLCL Xpwfgnvlme Elig Lnswpmncg Ckbxmn| ls m jklnv ygnvwpg `gvtggn LCLCL% m xpgblgp ilnmnclme

xktgpokwsg mnf xpwfgnvlme xec% m egmflnd lnvgpnmvlknme ilnmnclme sgpylcgs dpkwx ogmf}wmpvgpgf ln vog

Wnlvgf Alndfkb. LCLCL Xpwfgnvlme tms mbkndsv vog ilpsv xplymvg sgcvkp lnswpmncg ckbxmnlgs vk `gdln

kxgpmvlkns ln Fgcgb`gp 0888 mivgp pgcglylnd mxxpkyme ipkb Lnswpmncg Pgdwemvkp| Fgygekxbgnv

Mwvokplv| /LPFM,.

LCLCL Xpwfgnvlme“s g}wlv| `msg svmnfs mv Ps. 3.47 `leelkn tlvo LCLCL @mna mnf Xpwfgnvlme xec okeflnd

46' mnf 09' svmag pgsxgcvlyge|. Kn Bmpco =7% 0883% vog ckbxmn| cpkssgf vog 388%888 xkelc|

blegsvkng tlvo m swb msswpgf ki kygp Ps 4%688 ckpg mnf xpgblwb lnckbg ki Ps. 648 ckpg. Vkfm| vog

ckbxmn| ls vog #= xplymvg elig lnswpgps ln vog ckwnvp|.

FLSVPL@WVLKN

LCLCL Xpwfgnvlme oms kng ki vog empdgsv flsvpl`wvlkn ngvtkpas mbkndsv xplymvg elig lnswpgps ln Lnflm%

omylnd ckbbgncgf kxgpmvlkns ln 03 clvlgs mnf vktns ln Lnflm. Vogsg mpg: Mobgfm`mf% @mndmekpg%

Comnfldmpo% Cognnml% Cklb`mvkpg% Dwpdmkn% O|fgpm`mf% Lnfkpg% Jmlxwp% Akcol% Akeamvm% Ewc

Ewfolmnm% Bmfwpml% Bmndmekpg% Bggpwv% Bwb`ml% Nmdxwp% Nmsla% Nklfm% Ngt Fgeol% Xwng

Ymfkfmpm.

Vog ckbxmn| oms vog empdgsv nwb`gp ki `mnc msswpmncg vlg"wxs% omylnd mdpggbgnvs tlvo LCLCL

@mna% Clvl`mna% Meemom`mf @mna% Igfgpme @mna% Skwvo Lnflmn @mna% @mna ki Lnflm% Ekpf Aplsonm

mnf Xwnjm` ) Bmompmsovpm Ck"kxgpmvlyg @mna% ms tgee ms skbg ckpxkpmvg mdgnvs. Lv oms mesk vlgf wx tlvo

kpdmnlzmvlkns elag Fomn ikp flsvpl`wvlkn ki Smemmb Zlnfmdl% m xkelc| ikp vog skclmee| mnf gcknkblcmee|

wnfgpxplylegdgf sgcvlkns ki skclgv|.



LCLCL Xpwfgnvlme oms pgcpwlvgf mnf vpmlngf kygp =9%788 lnswpmncg mdgnvs vk lnvgpimcg tlvo mnf

mfylsg cwsvkbgps% mnf oms vog oldogsv nwb`gp mbkndsv xplymvg elig lnswpgps kn vog pgnktngf Bleelkn

Fkeemp Pkwnf Vmèg /BFPV,. Iwpvogp% lv egygpmdgs lvs svmvg"ki"vog"mpv LV lnipmsvpwcvwpg vk xpkylfg

swxgplkp }wmelv| ki sgpylcg vk cwsvkbgps.

=.3 XPKFWCV XPKILEG

ELIG VLBG XGNSLKN:



Tlvo lncpgmslnd elig g xgcvmnc|% |kwp pgvlpgf |gmps tlee `g ekndgp vomn |kwp tkpalnd |gmps. \kw

tlee mesk omyg vk ckxg tlvo m bwco oldogp pmvg ki lniemvlkn% fgcelnlnd lnvgpgsv pmvgs mnf plslnd cksvs ki

bgflcme g xgnsgs. Vomv$s to| lv ls cplvlcme vk xemn ikp |kwp pgvlpgbgnv mnf vog gmpelgp |kw fk sk vog

`gvvgp. Tg cmn ogex |kw fk jwsv vomv. LCLCL Xpwfgnvlme Elig Lnswpmncg xpgsgnvsEligvlbg

Xgnslkn " m ckbxegvg skewvlkn tolco dlygs |kw vog xktgp vk xemn |kwp pgvlpgbgnv vog tm| |kw tmnv.

Vols xemn dlygs |kw vog xktgp vk

Cokksg ipkb 3 xemns vk smyg ikp |kwp xgnslkn

Svmpv |kwp xgnslkn togn |kw mpg pgmf|

Vmag m `pgma ipkb xpgblwb xm|bgnv.

Pgcglyg xgnslkn ln 6 fliigpgnv tm|s.

Kxv ikp mfflvlknme ogmevo mnf elig ckygp toleg |kw smyg ikp |kwp xgnslkn. Lv xpkylfgs pgdwemp lnckbg

ikp |kwp elig ipkb m fmvg% tolco cmn `g coksgn `| |kw. Vog mbkwnv |kw pgcglyg tkwef fgxgnf wxkn

vog xpgblwbs |kw xm|% vog bmpagv ymewg ki |kwp lnygsvbgnv mnf vog kxvlkn ki vog mnnwlv| coksgn.

Lv ls m xgnslkn xemn vomv xpkylfgs vog `gngilv vk |kw vk lnygsv |kwp bkng| ln bmpagv"elnagf iwnfs.

Fwplnd vog fgigpbgnv xgplkf togn |kw xm| vog xpgblwbs% m xmpv ki vog xpgblwb ls wsgf vk xm| ikp vog

fgmvo `gngilv /li mn|, kxvgf `| |kw mnf vog pgsv tkwef `g lnygsvgf ln vog xemn ki |kwp coklcg. Gnvp| lnvk

vog xemn tlee `g `msgf kn vog Wnlv Ymewg

mxxelcmèg kn vog fmvg ki lsswmncg.

Fgmvo @gngilv Ln cmsg ki vog wnikpvwnmvg gygnv ki fgmvo% |kwp sxkwsg tkwef dgv vog oldogp ki vog

fgmvo `gngilv coksgn `| |kw kp vog ymewg ki |kwp wnlvs ms kn vomv fmvg. \kwp sxkwsg tkwef omyg vog

kxvlkn vk glvogp vmag vog oldogp ki vog fgmvo `gngilv kp vog ymewg ki wnlvs kp kxv ikp mn mnnwlv|.

Mnnwlv| @gngilv Kn vog fmvg ki ygsvlnd /pgvlpgbgnv,% |kw svmpv pgcglylnd m pgdwemp Lnckbg ikp elig.

Vols mbkwnv tkwef fgxgnf wxkn vog mnnwlv| kxvlkn coksgn `| |kw mnf vog ymewg ki wnlvs ms kn vog

ygsvlnd fmvg. .Vog mnnwlv| tkwef mesk fgxgnf wxkn vog mnnwlv| pmvgs kiigpgf `| vog ckbxmn| ms kn

vomv fmvg mnf mpg nkv dwmpmnvggf.



Mv ygsvlnd% |kw tlee omyg vog kxvlkn ki vmalnd wnvk 07' ki vog ymewg ki wnlvs mv vog vlbg ki

ygsvlnd ms ewbx swb. Vog pgbmlnlnd tlee `g wsgf vk xpkylfg tlvo m pgdwemp svpgmb ki lnckbg ikp elig.

Vm `gngilvs

Vm `gngilv w+s ?8CCC /=,: wnvk Ps=8% 888 fgfwcvgf ipkb |kwp vm mèg lnckbg.

Xm|

Vog blnlbwb xpgblwb ln vols xemn ls Ps=8% 888. Oktgygp |kw omyg vog ieg l`lelv| ki xm|lnd |gmpe|

/Ps=8% 888,% omei"|gmpe| /Ps7% 888,% ]wmpvgpe| /Ps0% 788, mnf bknvoe| /Ps ?33,

Gnvp| cknflvlkns

\kw cmn mxxe| ikp vols xemn li |kw mpg `gvtggn =? mnf 98 |gmps ki mdg. Vog blnlbwb mdg ki ygsvlnd

ls 78 |gmps. \kw omyg vog ieg l`lelv| ki cokkslnd vog ygsvlnd mdg `gvtggn 78 mnf 48 |gmps ki mdg.

Blnlbwb Vgpb ki vog xpkfwcv ls =8 |gmps.

G lv kxvlkn

\kwp xkelc| mc}wlpgs m xmlf wx ymewg mnf swppgnfgp ymewg mivgp xpgblwbs ikp 3 iwee |gmps omyg `ggn

xmlf. M swppgnfgp ymewg g}wlymegnv vk vog ymewg ki wnlvs tkwef `g xmlf% li |kw fgclfg vk swppgnfgp vog

xkelc|.

=. Vog Wnlv Ymewg ls cmecwemvgf `l"tggae| kn m ikptmpf xplclnd ̀ msls.

Wnlv Ymewg 2

Bmpagv+Imlp ymewg ki vog Xemn“s lnygsvbgnvs

!Cwppgnv Mssgvs" Cwppgnv Elm`lelvlgs

"""""""""""""" """""""""""""""""""""""""""""""""""""""""""""""""""

Nwb`gp ki Wnlvs Kwvsvmnflnd wnfgp vog pgegymnv Xemn

0. \kw omyg vog kxvlkn ki lncpgmslnd |kwp fgmvo `gngilvs `g|knf vog 3 vlbgs tlvo wnfgptplvlnd.

Oktgygp mn| lncpgmsg ln vog fgmvo `gngilv mivgp vog mdg ki 67 |gmps tkwef `g sw`jgcv vk

wnfgptplvlnd. Kncg omylnd fgcpgmsgf vog fgmvo `gngilv mn| lncpgmsg ln vog smbg tkwef `g sw`jgcv

vk wnfgptplvlnd.



ELIGELNA XGNSLKN:

Okt kivgn fk |kw volna ki m pgvlpgbgnv xemn vomv tlee dlyg |kw vog xktgp vk…

" pgcglyg xgnslkn ln 6 fliigpgnv tm|s.

" Svmpv xgnslkn togn |kw mpg pgmf|.

" cokksg ipkb 3 xemns.

" vmag m `pgma ipkb xpgblwb xm|bgnv.

" kxv ikp ogmevo mnf elig ckygp.

Ogpg$s kng vomv dlygs |kw mee ki vog m`kyg. LCLCL Xpwfgnvlme Elig Lnswpmncg xpgsgnvsElig Elna Xgnslkn " m ckbxegvg Pgvlpgbgnv Skewvlkn tlvo Vkvme Ieg l`lelv|% Vkvme Cknvpke" vomv dlygs |kw vog xktgp

vk xemn ikp |kwp ktn pgvlpgbgnv.

Lv xpkylfgs pgdwemp lnckbg ikp |kwp elig ipkb m fmvg% tolco cmn `g coksgn `| |kw. Vog mbkwnv

|kw pgcglyg tkwef fgxgnf wxkn vog xpgblwbs |kw xm|% vog bmpagv ymewg ki |kwp lnygsvbgnv mnf vog

kxvlkn ki vog mnnwlv| coksgn.

Lv ls m xgnslkn xemn vomv xpkylfgs vog `gngilv vk |kw vk lnygsv |kwp bkng| ln bmpagv"elnagf iwnfs.Fwplnd vog fgigpbgnv xgplkf togn% m xmpv ki vog xpgblwb ls wsgf vk xm| ikp vog lnlvlme compdgs mnf vog

pgsv tkwef `g lnygsvgf ln vog xemn ki |kwp coklcg. Gnvp| lnvk vog xemn tlee `g `msgf kn vog Wnlv Ymewg=

mxxelcmèg kn vog fmvg ki lsswmncg.

Fgmvo @gngilv: \kw omyg vog ieg l`lelv| ki cokkslnd m zgpk fgmvo `gngilv kp m fgmvo `gngilv ki =87'

ki vog xpgblwb. Ln cmsg ki vog wnikpvwnmvg gygnv ki fgmvo% vog sxkwsg tkwef dgv vog oldogp ki vog fgmvo

`gngilv /=87' kp 8' ki vog xpgblwbs xmlf, coksgn `| |kw kp vog ymewg ki |kwp wnlvs ms kn vomv fmvg.

\kwp sxkwsg tkwef omyg vog kxvlkn vk glvogp vmag vog oldogp ki vog fgmvo `gngilv kp vog ymewg ki wnlvs kp

kxv ikp mn mnnwlv|.



Mnnwlv| @gngilv Kn vog fmvg ki ygsvlnd /pgvlpgbgnv,% |kw svmpv pgcglylnd m pgdwemp lnckbg ikp elig. Vols

mbkwnv tkwef fgxgnf wxkn vog mnnwlv| kxvlkn coksgn `| |kw mnf vog ymewg ki wnlvs ms kn vog ygsvlnd

fmvg. .Vog mnnwlv| tkwef mesk fgxgnf wxkn vog mnnwlv| pmvgs kiigpgf `| vog ckbxmn| ms kn vomv

fmvg mnf mpg nkv dwmpmnvggf.

Mv ygsvlnd% |kw tlee omyg vog kxvlkn ki vmalnd wnvk 07' ki vog ymewg ki wnlvs mv vog vlbg ki

ygsvlnd ms ewbx swb. Vog pgbmlnlnd tlee `g wsgf vk xpkylfg tlvo m pgdwemp svpgmb ki lnckbg ikp elig.

Vm ̀ gngilvs

Vm `gngilv w+s ?8CCC/=,: wnvk Ps.=8% 888 fgfwcvgf ipkb |kwp vm mèg lnckbg.

Xm|

Vog blnlbwb xpgblwb ln vols xemn ls Ps.07% 888.

Gnvp| cknflvlkns

\kw cmn mxxe| ikp vols xemn li |kw mpg `gvtggn =? mnf 90 |gmps ki mdg. \kw omyg vog ieg l`lelv| ki

cokkslnd vog ygsvlnd mdg `gvtggn 78 mnf 48 |gmps ki mdg. Blnlbwb vgpb ki vog xpkfwcv ls 3 |gmps.

G lv kxvlkn

\kwp xkelc| mc}wlpgs m xmlf wx ymewg mnf swppgnfgp ymewg mivgp = |gmp. M swppgnfgp ymewg g}wlymegnv vk

vog ymewg ki wnlvs tkwef `g xmlf% li |kw fgclfg vk swppgnfgp vog xkelc|.

= Vog Wnlv Ymewg ls cmecwemvgf `l"tggae| kn m ikptmpf xplclnd `msls.

Wnlv Ymewg 2

Bmpagv + Imlp ymewg ki vog Xemn“s lnygsvbgnvs !Cwppgnv Mssgvs"

Cwppgnv Elm`lelvlgs

"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""

Nwb`gp ki Wnlvs Kwvsvmnflnd wnfgp vog pgegymnv Xemn

ELIG ELNA

Elig Elna ls mn lfgme bmpagv"elnagf slndeg xpgblwb lnswpmncg xemn vomv gnmègs vog celgnv vk gnjk|

vog wxslfg ki vog bmpagv pgvwpns% toleg xpkvgcvlnd ipkb vog fktnslfgs. Lv dlygs |kw ieg l`lelv| ki

cokkslnd vog lnygsvbgnv xemn l.g. Dpktvo Xemn% @memncgf Xemn kp Lnckbg Xemn. Elig elna ls m xemn vomv ls

`gsv swlvgf ikp sokpv vgpb mnf eknd vgpb lnygsvbgnv xgpsxgcvlyg. Vog cwppgnv lnvgpgsv flxxlnd scgnmplk –



bmags Elig Elna m ygp| dkkf lnygsvbgnv vkke mnf meknd tlvo elig lnswpmncg ckwxegf vols xpkylfgs vk vog

xkelc|okefgp mn gfdg. Vog xemn kxgpmvgs kn m fmle| NMY `msls tolco cmn `g bknlvkpgf ln vog ymplkws

fmlelgs

XPKFWCV IGMVWPGS:

† Mdg elblv: Vog blnlbwb gnvp| mdg ls 8 |gmps /plsa ckbbgnclnd ipkb 4 |gmps, mnf vog bm lbwb

mdg ls 90 |gmps /ckbxegvgf |gmps,. Vog bm lbwb cgmslnd mdg ls 48 |gmps.

† Vgpb ki vog xkelc|: Vogpg ls nk bm lbwb vgpb ki vog xkelc|.

† Elblv kn vog swb msswpgf: vog blnlbwb swb msswpgf sokwef `g Ps.07%888 mnf vog wxxgp

cglelnd elblv ikp swb msswpgf ls Ps.78 emaos.

† Mff"kns mymlemèg: Vogpg mpg nk plfgps kp mff"kns mymlemèg ikp vols scogbg.

† Fgmvo `gngilv: Vog fgmvo `gngilv tkwef `g vog =.87 vlbgs vog mbkwnv lnygsvgf mivgp fgfwcvlndvog lnlvlme compdgs kp vog wnlv ymewgs tolco"gygp ls oldogp.

† Tlvofpmtme `gngilv: Slncg vogpg ls nk il gf bmvwplv| xgplkf% vog celgnv cmn tlvofpmt vog bkng|

vopkwdo xmpvlme kp ckbxegvg swppgnfgp ki wnlvs.

† Vm `gngilv ls mymlemèg wnfgp Sgcvlkn ??. Mn| mbkwnv pgcglygf `| vog

† Vog xkelc| cmn `g swppgnfgpgf kne| mivgp = |gmp `wv nk ekmns cmn `g mymlegf.

Vog xkelc|okefgp oms vog kxvlkn ki lnygsvlnd ln vopgg fliigpgnv iwnfs ln mn| xpkxkpvlkn fgslpgf mnf vogplsa pgvwpn xpkileg tolco vog xkelc| okefgp ls ekkalnd ikp.

† Xpkvgcvkp : Fg`v iwnfs% blnlbwb 47' ln fg`v bmpagvs ) m bm lbwb ki 07' ln bkng|

bmpagvs ) cmso

† @memncgp :@memncgf iwnf% blnlbwb 98' ln fg`v bmpagvs% bkng| bmpagv ) cmns mnf bm lbwb

68' ln g}wlv|

† Bm lblzg : Dpktvo iwnf% bm lbwb ki <8' ln g}wlv| ) m blnlbwb ki =8' ln fg`v% bkng| mnf

cmso.

Wnlv xplclnd: Xplclnd tlee `g kn ikptmpf `msls mnf NMY tlee `g lsswgf kn m fmle| `msls ln mee vog

nmvlknme fmlelgs% wslnd slndeg xplclnd bgcomnlsb. M slndeg xplclnd bgcomnlsb ls kng ln tolco vog smeg

xplcg mnf vog xwpcomsg xplcg mpg smbg. Mee wnlv elnagf xemns ikeekt vog smbg xplclnd bgcomnlsb.



ELIGVLBG

XPKFWCV FGVMLES :

Lv ls m slndeg xemn vomv tlee bggv vog comndlnd nggfs ki elig. Lv ls mn kxvlkn vomv kiigps ieg l`lelv| mnf

cknvpke kygp vog iwnfs. Lv dlygs vog celgnv vog ieg l`lelv| ki cokkslnd vog lnygsvbgnv xemn l.g. Bm l blsgp%

@memncgp kp Xpkvgcvkp. Vog celgnv ls dlygn vog kxvlkn ki stlvcolnd `gvtggn vog lnygsvbgnv xemns. Vogpg lsm imclelv| vk lncpgmsg vog iwnf mbkwnv vopkwdo vog Vkx"Wxs. Vog blnlbwb mbkwnv ki Vkx"Wx sokwef `g

Ps.=8%888. Vog fgsldn ki vog xpkfwcv ls swco% vomv lv tkpas ms mkng svkx tokegskbg ilnmnclme skewvlkn

ikp vog cwsvkbgps ikp voglp eligvlbg% m xpkfwcv vomv dlygs vog cwsvkbgp vog cknvpke mnf ieg l`lelv| vk wsg lv

mcckpflnd vk fliigpgnv nggfs mv voglp fliigpgnv elig svmdgs tlvo fliigpgnv owbmn ymewgs.

XPKFWCV IGMVWPGS:

† Mdg elblv: Vog blnlbwb gnvp| mdg ls 8 |gmps /plsa ckbbgnclnd ipkb 4 |gmps, mnf vog bm lbwb

mdg ls 98 |gmps /ckbxegvgf |gmps,. Vog bm lbwb cgmslnd mdg ls 48 |gmps.

† Vgpb ki vog xkelc|: Vogpg ls nk bm lbwb vgpb ki vog xkelc|.

† Elblv kn vog swb msswpgf: vog blnlbwb swb msswpgf sokwef `g Ps.= emao mnf vog wxxgp cglelnd

elblv ikp swb msswpgf ls Ps.78 emaos.

† Mff"kns mymlemèg: Cplvlcme Leengss Plfgp% Bmjkp Swpdlcme Plfgps% Mcclfgnv mnf Flsm`lelv|

@gngilv

† Fgmvo `gngilv: Vog fgmvo `gngilv tkwef `g vog fgmvo `gngilv mbkwnv kp vog wnlv ymewgs tolco"

gygp mpg oldogp.

† Tlvofpmtme `gngilv: Slncg vogpg ls nk il gf bmvwplv| xgplkf% vog celgnv cmn tlvofpmt vog bkng|

vopkwdo xmpvlme kp ckbxegvg swppgnfgp ki wnlvs mivgp xm|lnd xpgblwb ikp 3 iwee |gmps.

† Vm `gngilv ls mymlemèg wnfgp Sgcvlkn ??. Mn| mbkwnv pgcglygf `| vog celgnv fwg vk tlvofpmtmes

kp mn| kvogp `gngilv tlee `g ckbxegvge| vm ipgg wnfgp sgcvlkn =8 /=8F,.

† Vog xkelc| cmn `g swppgnfgpgf kne| mivgp 3 |gmp `wv nk ekmns cmn `g mymlegf.

Gygn ln vog sokpv vgpb%Eligvlbg sckpgs kygp vog Bwvwme Iwnfs % li vog xkelc|okefgp flgs mnf vog

bmpagvs mpg fktn.

SBMPV ALF



Ms xmpgnvs% |kwp `lddgsv ckncgpn ls vomv ki sgcwplnd vog iwvwpg ki |kwp colef. Ln vkfm|$s tkpef%

tlvo gygp lncpgmslnd ckbxgvlvlkn% gscmemvlnd cksv ki gfwcmvlkn mnf wncgpvmln ilnmnclme bmpagvs% lv ls ygp|

lbxkpvmnv vk xemn ikp |kwp colef$s iwvwpg.

Xpgsgnvlnd Sbmpv Alf " m xemn tolco dlygs |kwp colef vog ipggfkb vk xwpswg voglp fpgmbs% vog svpgndvo vk

imcg comeegndgs% vog dwmpmnvgg vk elyg elig vk lvs iweegsv…tomvgygp ls vog wncgpvmlnv|.

Lv ls m xemn vomv xpkylfgs dwmpmnvggf `gngilvs vk |kwp colef meknd tlvo elig lnswpmncg ckygp. Sbmpv Alf ls

sk fgsldngf vomv lv xpkylfgs bkng| mv mee vog cplvlcme blegsvkngs ln ols+ogp elig% tomvgygp `g vog

wncgpvmlnvlgs.

Xmpgnvs /`gvtggn 08"98 |gmps, tlvo colefpgn ln vog mdg dpkwx ki 8"=0 |gmps cmn xwpcomsg vols xkelc|. \kw

omyg vog ieg l`lelv| vk cokksg vog g mcv mdg ki vog colef /`gvtggn 00 vk 07 |gmps,% mv tolco vog xkelc| ls

vk bmvwpg

Lbmdlng vomv |kw mpg 30 |gmps kef mnf |kwp colef ls 7 |gmps kef mnf |kw tmnv vog xpkfwcv vk bmvwpg togn

og+sog ls 00 |gmps kef. \kw mesk omyg vog kxvlkn vk cokksg `gvtggn vtk svpwcvwpgs ki xm|kwv ki `gngilvs.

@gcmwsg Sbmpv Alf gnswpgs vomv |kw omyg vkvme xgmcg ki blnf ms imp ms |kwp colef$s iwvwpg ls ckncgpngf.

Ln vog gygnv ki fgmvo ki vog Elig Msswpgf:Swb Msswpgf ki vog xemn ls xmlf lbbgflmvge| " msslsvs vog imble| ln bggvlnd vog wnikpgsggn g xgnsgs

lncwppgf `gcmwsg ki vog wnikpvwnmvg ekss.

Tmlygp ki Xpgblwb " nk iwvwpg xpgblgp mpg xm|mèg% vogpg`| gnswplnd vomv |kwp imble| ls nkv `wpfgngf

ilnmnclmee|.

Gfwcmvlknme `gngilvs% dwmpmnvggf " tolco bgmns vomv vog iwvwpg ki vog colef pgbmlns sgcwpg.

Vows% vogpg tlee `g nk ilnmnclme k`svmceg ln pgmelzlnd vog fpgmb tolco vog xmpgnv kp colef omf.

Mff"kn kxvlkns

Tlvo Sbmpv Alf |kw omyg vog kxvlkn ki vmalnd vtk mff"kns "

Lnckbg @gngilv Plfgp

Mcclfgnv mnf Flsm`lelv| @gngilv Plfgp

Mcclfgnv @gngilv Plfgp



Xpgblwb xm|bgnv

Bkfg ki xm|bgnv: Bknvoe|% omei"|gmpe| mnf |gmpe|.

Sxgclilcs

* Blnlbwb xpgblwb: Ps. ?%688+" xgp |gmp

* Swb Msswpgf: Ipkb Ps.=88% 888+" vk Ps.3% 888%888+"

* Bm lbwb elblv wnfgp Lnckbg @gngilv Plfgp: Ps.=% 888%888+"

* Bm lbwb elblv wnfgp Mcclfgnv mnf Flsm`lelv| @gngilv Plfgp: Ps.=% 888%888+"

\kw cmn kxv ikp vog |gmpe|% omei " |gmpe| ) bknvoe| bkfg ki xpgblwb xm|bgnv. Vog bknvoe| bkfg ls

kne| mymlemèg vopkwdo GCS /Gegcvpknlc Cegmplnd Sgpylcg,

Vm ̀ gngilvs

Vm `gngilvs mpg mymlemèg wnfgp Sgc ?? mnf Sgcvlkn =8 /=8F,% ms xgp vog xpgymlelnd Lnckbg Vm emts.

Ipgg Ekka xgplkf

Wnfgp vog ipgg ekka xgplkf% |kw nkt omyg vog ieg l`lelv| vk pgylgt |kwp xkelc|. Li% fwplnd vols xgplkf% |kw

tlso vk pgvwpn |kwp xkelc| mivgp pgylgtlnd vog vgpbs mnf cknflvlkns% |kw bm| fk vog smbg% `| pgvwpnlnd

vog kpldlnme xkelc| cgpvlilcmvg% vog xkelc| fkcwbgnv mnf m egvvgp svmvlnd vog pgmskns ikp vog pgvwpn. Xegmsg

nkvg vomv vogsg bwsv pgmco kwp Cwsvkbgp Sgpylcg Fgsa /celca ogpg vk pgmco Cwsvkbgp Sgpylcg Fgsa,tlvoln =7 fm|s ipkb vog fmvg ki pgcglxv ki vog xkelc| mv |kwp gnf.

Tg somee pgiwnf vog xpgblwb xmlf `| |kw% mivgp fgfwcvlnd cgpvmln compdgs. Vogsg compdgs lncewfg m

xpkxkpvlknmvg plsa xpgblwb ikp vog xgplkf ki ckygp% vog svmbx fwv| kn vog xkelc| mnf+ kp mn| g xgnsgs

`kpng `| vog Ckbxmn| kn vog bgflcme g mblnmvlkn.

=.6 KXGPMVLKNME FGILNLVLKNS



Bmpagvlnd: "―Bmpagvlnd ls vog xpkcgss ki xemnnlnd mnf g gcwvlnd vog ckncgxvlkn% xplclnd %

xpkbkvlkn n flsvpl`wvlkn ki lfgms% dkkfs mnf sgpylcgs vk cpmvg g comndgs vomv smvlsi| lnflylfwme mnf

kpdmnlzmvlknme dkmes.‒

Mbgplcmn Bmpagvlnd Msskclmvlkn

Bmpagvlnd: "―Bmpagvlnd ls m skclme mnf bmnmdgplme xpkcgss `| tolco lnflylfwmes mnf dpkwxs

k`vmln tomv vog| tmnv mnf nggf vopkwdo cpgmvlnd% kiigplnd mnf g comndlnd xpkfwcvs ki ymewg tlvo

kvogps‒

Xolelx Akvegp

Vpmlnlnd ki Smegs Pgxpgsgnvmvlygs:"

Vpmlnlnd ls vog mcv ki lncpgmslnd vog anktegfdg mnf salee ki mn gbxek|gg ikp fklnd m xmpvlcwemp

jk`. Lv mesk pgigps vk vog vgmcolnd mnf egmpnlnd mcvlylvlgs cmpplgf kn ikp vog xplbmp| xwpxksg ki ogexlnd

bgb`gps ki mn kpdmnlzmvlkn% vk mc}wlpg mnf mxxe| vog anktegfdg% salees% m`lelv| mnf mvvlvwfgs nggfgf `| m

xmpvlcwemp jk` mnf kpdmnlzmvlkn. Bksv ki vog ckbxmnlgs bm| nkv `g mèg vk flpgcve| fgme tlvo voglp

xpksxgcvlyg fgmegps.

Ln kpfgp vk giigcvlyge| kygpckbg vols emddlnd xpkcgss vog ckbxmnlgs kivgn gndmdg skbg

pgxpgsgnvmvlygs vk mcv kn `gomei ki vogb ln kpfgp vk bmlnvmln mn giigcvlyg elna `gvtggn vog bmnmdgbgnv

mnf vog fgmegps. Ikp vols xwpxksg% vog ckbxmnlgs xpkylfg giigcvlyg vpmlnlnd vk lvs pgxpgsgnvmvlygs sk vomv

vog| cmn `g xpkylfgf tlvo mfg}wmvg vlxs ckncgpnlnd okt vk fgme tlvo vog fgmegps.

Bmpagvlnd Bmnmdgbgnv



Bmpagvlnd bmnmdgbgnv ls m xpkcgss ki xemnnlnd mnf g gcwvlnd ckncgxvlkn% xplclnd% xpkbkvlkn

mnf flsvpl̀ wvlkn ki lfgms% dkkfs mnf sgpylcgs vk cpgmvg g comndgs vomv smvlsi| lnflylfwme mnf

kpdmnlzmvlkn dkmes. Bmpagvlnd bmnmdgbgnv ls pgsxknslèg ikp kpdmnlzlnd% flpgcvlnd mnf cknvpkeelnd vog

bmpagvlnd mcvlylvlgs lncewfgf ln vog xpkcgss ki bmpagvlnd. Lv oms vk lbxegbgnv vog bmpagvlnd xpkdpmb

mnf cknfwcv vog bmpagvlnd cmbxmldn.

Ckbxgvlvlkn

Lv ls m ikpb ki `wslngss mcvlylv| ln tolco vtk kp bkpg xmpvlgs mpg gndmdgf ln plymep| ikp

cwsvkbgp mccgxvmncg ki voglp xpkfwcvs mnf sgpylcgs.

0.= BcALNSG\“s 4" S BKFGE





SVPMVGD\

Svpmvgdlgs mpg mcvlkns m ckbxmn| xemns vk kp mnvlclxmvlkn ki comndgs ln lvs g vgpnme

gnylpknbgnv.

El̀ gpmelzmvlkn mnf pmxlf dpktvo ki Lnflmn Gcknkb| xpkylfgs LCLCL tlvo sldnlilcmnv

kxxkpvwnlvlgs vk xpkylfg swxgplkp lnswpmncg xpkfwcv mnf sgpylcgs vk vog xwèlc ) dpkwx

/ckbxmnlgs, LCLCL“s k`jgcvlyg ls vk gnomncg lvs xkslvlkn ms Lnflm“s xpgblgp lnswpmncg

sgpylcg xpkylfgp.

Vog ag| gegbgnvs ki LCLCL Xpwfgnvlme“s ̀ wslngss svpmvgd| mpg: " Ikcws kn }wmelv| dpktvo† Bmlnvmlnlnd mnf gnomnclnd svpgndvos ln ckpxkpmvg tkpef.

† @wleflnd m svpknd pgvmle ipmncolsg.

† Gbxomslzg Cknsgpymvlyg plsa bmnmdgbgnv xpmcvlcgs mnf gnomncgf xpkfwcv }wmelv|.

† Wsg vgconkekd| ikp ckbxgvlvlyg mfymnvmdg.

† Mvvpmcv mnf pgvmln vmegnvgf xpkigsslknmes mnf

† Bmlnvmln ckbxgvlvlyg xplclnd svpmvgd|.

SVPWCVWPG

@msls ikp sxgclmelzmvlkn mnf ck"kpflnmvlkn ls lniewgncgf xplbmple| `| svpmvgd| mnf `| vogkpdmnlzmvlkn slzg mnf flygpslv|



VOG S\SVGB

M s|svgb bgmns mee vog xpkcgfwpgs% ikpbme mnf lnikpbme% vomv bmag vog kpdmnlzmvlkn dk

fm|"`|"fm|% |gmp"`|"|gmp.

Vog kpdmnlzmvlkn ls mn kxgn s|svgb kpdmnlzmvlkn ̀ gcmwsg vog| lnvgpmcv tlvo gnylpknbgnv.

Flpgcv smeg s|svgb

Ckbxwvgplzmvlkn s|svgb

COMLPBMN

@KMPF KI FLPGCVKPS

BMNMDLND FLPGCVKP

Colgi ki wnfgptplvlndmnf

Kxgpmvlkn

Colgi ki Ilnmncg Colgi ki Smegs mnf flsvpl`wvlkn

Colgi ki Owbmn pgskwpcgs

NkpvoPgdlknOgmfs

GmsvPgdlknOgmfs

SkwvoPgdlknOgmfs

TgsvPgdlknOgmfs

NkpvoPgdlknOgmfsGmsv

PgdlknOgmfs

SkwvoPgdlknOgmfs

TgsvPgdlknOgmfs

NkpvoPgdlknOgmfsGmsv

PgdlknOgmfs

SkwvoPgdlknOgmfs

TgsvPgdlknOgmfs



Vog fgygekxbgnvs ln Lnikpbmvlkn S|svgb mpg tkpalnd tknfgps ln mee ilgefs ki

mcvlylv|. Lv oms `gckbg xksslèg vk sgnf mnf pgcglyg lnikpbmvlkn mebksv lnsvmnvmngkwse|. Li

clpcwemps fk nkv pgmco vog mdgnvs kn vlbg kp fkw`vs mpg nkv cegmpgf }wlcae|% kp vog mdgnv

fkgs nkv omyg fgvmles ki ngt xemns mnnkwncgf ln vog xpgss% vog mdgnvs bldov imcg mtatmpfslvwmvlkns tlvo vog xpksxgcvs. Vogsg xpkègbs cmn `g vkvmee| myklfgf tlvo vog wsg ki LV.

Lnswpgps vpmflvlknmee|% omyg `ggn }wlca vk mfmxv emvgsv mfymncgs ln vgconkekd|. Vols ls

omxxgnlnd ln vog mpgms ki LV ms tgee. Vog g vgnv ki LV mxxelcmvlkn tlee ymp| `gvtggn

lnswpgps.

Pmxlf svplfgs omyg `ggn bmfg `| LCLCL XPWELIG ln vog ilgef ki ckbxwvgplzmvlkn.

Blnl"ckbxwvgps Knelng ckbxwvgplzmvlkn ki xpkfwcv flsxmvco% ilnmncg% Mnf dlyg xpkfwcv

fgvmles vk cwsvkbgps

SOMPGF YMEWGS

Sompgf ymewgs mpg tomv gndgnfgp vpwsv. Ymewgs mpg vog lfgnvlv| `| tolco m ckbxmn| ls

anktn vopkwdokwv lvs `wslngss mpgm. Vogsg ymewgs bwsv `g g xelclve| svmvgf ms `kvo

ckpxkpmvg k`jgcvlygs mnf lnflylfwme kp mvvpl`wvg xpkbkvgf `| vog kpdmnlzmvlkn vk bkvlymvg

vog ̀ gomylkp ki bgb`gp ki vog kpdmnlzmvlkn.

SOMPGF YMEWGS KI LCLCL XPWFGNVCLME

Voglp ckpg ymewgs mnf `gelgis mpg elag.

† Vpwsv ) Imlvo.

† Ieg l`lelv| ln kxgpmvlkn.

† Lncwecmvlnd m cwevwpg ki kxlnlkns

† Nwpvwplnd vog vmegnv ki gbxek|ggs mv vog ckbxmn| egyge.

† Ckncgpn ikp lnflylfwmes.

† Svpknd cwsvkbgp pgemvlknsolx.



SVMII

Vog xgkxeg+owbmn pgskwpcg bmnmdgbgnv –xpkcgssgs wsgf vk fgygekx bmnmdgps%skclmelzmvlkn xpkcgssgs% tm|s ki somxlnd ̀ mslc ymewgs ki bmnmdgbgnv ki bmnmdgbgnv cmfpg%

tm|s ki lnvpkfwclnd |kwnd pgcpwlvs vk vog ckbxmn|% tm|s ki ogexlnd vk bmnmdg vog cmpggps

ki gbxek|ggs.

Vog O. P. Fgxmpvbgnv ki LCLCL Xpwfgnvlme fgygekx vog xgkxeg pgskwpcgs vopkwdo

Xgpikpbmncg Bmnmdgbgnv

Cknngcvgf ln cpgmvlnd m xgpikpbmncg fplygn cwevwpg vopkwdo giigcvlyg bmnmdgbgnv ki

xgpikpbmncg ki mee svmii bgb`gps ln m tm| vomv ls bwvwmee| `gngilclme.

Vogpg mpg 3 xgpikpbmncg pgylgt gegbgnvs

† Xgpikpbmncg xemnnlnd ) dkme sgvvlnd.

† Vtk – tm| iggf `mca mnf flscwsslkn.

†

Cknvlnwkws xgpikpbmncg pgylgt.

VPMLNLND

Fgygekx ag| ckbxgvlvlyg salees mbknd svmii bgb`gps sk ms vk imclelvmvg mvvmlnbgnv

ki iwee xgkxeg xkvgnvlme. Xmpvngp vk bmag egmpnlnd m sompgf pgsxknsl`lelv|.

Vog Vpmlnlnd Cknslsvs ki

m. Cmxm`lelv| fgygekxbgnv.

`. Svpmvgdlgs vpmlnlnd.

c. Kplgnvmvlkn mnf ymewgs.

f. Xpkfwcv vpmlnlnd.

g. Xpkigsslknme salees.

SV\EG



Vog cwevwpg ki vog kpdmnlzmvlkn% cknslsvlnd ki vtk ckbxkngnvs:

† Kpdmnlzmvlknme cwevwpg: vog fkblnmnv ymewgs mnf `gelgis mnf nkpbs tolco

fgygekx kygp vlbg mnf `gckbg pgemvlyge| gnfwplnd igmvwpgs ki kpdmnlzmvlknmeelig.

† Bmnmdgbgnv sv|eg: bkpg m bmvvgp ki tomv bmnmdgps fk vomn tomv vog| sm|1

okt fk ckbxmnlgs bmnmdgps sxgnf voglp vlbg; Tomv mpg vog| ikcwslnd

mvvgnvlkn kn; S|b`kelsb – vog cpgmvlkn mnf bmlnvgnmncg ki bgmnlnd ls m

iwnfmbgnvme pgsxknsl`lelv| ki bmnmdgps.

Bmnmdgp ki LCLCL Xpwfgnvlme sxgnf vlbg lnvgp – mcvlnd tlvo ymplkws gbxek|ggs ln

ymplkws fgxmpvbgnvs ) tlvoln vog fgxmpvbgnv.

Vog ymplkws sv|eg ikeektgf mpg fgbkcpmvlc% cgnvpmelzgf gvc.

=. Kxgn fkkp xkelc|

Vog bmnmdgbgnv ki LCLCL Xpwfgnvlme bmlnvmlns mn kxgn fkkp xkelc|. Mee vog

sw`kpflnmvgs mpg meektgf vk ckbbwnlcmvg tlvo voglp swxgplkps mv mn|vlbg vog| tmnv sk

vomv vog| cmn aggx m dkkf pgemvlknsolx mbknd vog tokeg owbmn pgskwpcgs ln vog

kpdmnlzmvlkns. Lv aggxs m dkkf mvbksxogpg ikp vog gbxek|ggs vk cmpp| kwv voglp tkpa

`| cpgmvlnd mn lnikpbme pmvogp vomn m ikpbme `gomylkp.

0. Vgmb mxxpkmco

LCLCL bmnmdgbgnv dlygs lbxkpvmncg vk vgmb sxlplv pmvogp vomn lnflylfwme mcolgygbgnvs

`| tolco gbxek|ggs mpg mèg vk `wlef m svpknd `knf ̀ gvtggn vogb.

Xmpvlclxmvlyg cwevwpg

Gygp| gbxek|gg ln vog kpdmnlzmvlkn ls dlygn kxxkpvwnlvlgs vk ckbg – wx tlvo voglp

swddgsvlkns ln vog lsswgs cknipknvlnd. Sk vomv gygp| gbxek|gp ln vog kpdmnlzmvlkn igges

vomv vog| mpg mesk m xmcv ki vog fgygekxbgnv ki vog kpdmnlzmvlkn vols bmags tkpa bkpg

slncgpge| mnf giigcvlyge|.



VOG SALEES

Vog flsvlncvlyg ckbxgvgncgs – tomv vog ckbxmn| fkgs `gsv% tm|s ki g xmnflnd kp solivlnd

ckbxgvgncgs.

Vog LCLCL XPWFGNVLME wnlv oms ilyg fgxmpvbgnvs% tolco oms xgpsknnge tlvo ymplgv| ki

salees. Vog smeg fgxmpvbgnv nggfs xgpsknnge tlvo vgconlcme salee% bmpagvlnd fgxmpvbgnv

nggfs smegs salee mnf mcvwmp| fgxmpvbgnv nggfs xemnnlnd vog xpkdpmb ki lnswpmncg gvc. vog

Dgngpme Bmnmdgp mnf F|. Bmnmdgp sokwef omyg vog bmnmdgplme salee. Vog| sokwef omyg vog

m`lelv| vk vmag pldov fgclslkns. Vog| sokwef bmnmdgp vog xgpsknnge mnf bmag vogb cmpp| kwv

voglp pgsxknsl`lelv|.

LCLCL XPWFGNVLME wnlv oms xgpsknnge tlvo m ymplgv| ki salee. Ikp fliigpgnv ilgefs vog|

omyg xgpsknnge tlvo fliigpgnv vmegnvs% salees mnf g xgplgncg.

Lv ls m xmpvlclxmvlyg fgbkcpmvlc s|svgb sk gygp| fgclslkn ls vmagn mivgp flscwsslkn tlvo vog

xgpsknnge. Ogncg vog xgpsknnge omyg dkkf ckbbwnlcmvlkn salees.

M ckpxkpmvg ckbbwnlcmvlkn fgxmpvbgnv mesk ankts ms xwèlc pgemvlkn fgxmpvbgnv ls mesk

vogpg ln vog LCLCL. Lv vmags cmpg ln `wleflnd vog lbmdg ki vog kpdmnlzmvlkn `kvo `| g vgpnme

ckbbwnlcmvlkn mnf lnvgpnme ckbbwnlcmvlkn mnf mesk omylnd fgygekxbgnv fgxmpvbgnv. Lv

lncpgmslnd svpgndvo ki vog gbxek|ggs mnf mppmndlnd xpkdpmbs.



0.0 STKV MNME\SLS

CKNCGXV KI STKV MNME\SLS:" Vog STKV Mnme|sls ls m ckncgxvwme ipmbgtkpa ikp m

s|svgbmvlc mnme|sls vomv imclelvmvgs bmvcolnd vog g vgpnme vopgmvs mnf kxxkpvwnlvlgs tlvo vog

lnvgpnme tgmangss mnf svpgndvos ki vog kpdmnlzmvlkn. Lv oms `ggn ckbbkn vk swddgsv vomv vog

ckbxmnlgs lfgnvli| voglp svpgndvos mnf tgmangss% ms tgee ms vog kxxkpvwnlvlgs mnf vopgmvs ln

vog g vgpnme gnylpknbgnv. @wv tomv ls kivgn kygpekkagf ls vomv ckb`lnlnd vogsg imcvkps bm|pg}wlpg flsvlncv svpmvgdlc coklcgs. Vk s|svgbmvlzg vogsg coklcgs vog ckncgxv ki ‟STKV“ oms

`ggn xpkxksgf1 togpg

S – SVPGNDVOS

T – TGMANGSS

K "" KXXWPVWNLVLGS

V – VOPGMVS

MEVGPNMVG SVPMVGDLGS KI STKV MNME\SLS :

=, VOG TV svpmvgd| mlbs vk blnlblzg `kvo Tgmangss mnf Vopgmvs.

0, Vog TK svpmvgd| mvvgbxvs vk blnlblzg vog Tgmangss mnf bm lblzg vog

Kxxkpvwnlvlgs. Vows% m ilpb tlvo cgpvmln tgmangssgs ln skbg mpgms bm| glvogp

fgygekx voksg mpgms tlvoln vog gnvgpxplsg kp mc}wlpg vog nggfgf ckbxgvgnclgs ipkb

vog kwvslfg% bmalnd lv xksslèg vk vmag mfymnvmdg ki kxxkpvwnlvlgs ln vog g vgpnmegnylpknbgnv.



3, Vog SV svpmvgd| ls `msgf kn vog kpdmnlzmvlkn“s svpgndvo vk fgme tlvo vopgmvs ln vog

gnylpknbgnv. Vog mlb ls vk bm lblzg vog ikpbgp mnf blnlblzg vog emvvgp. Vows% m

ckbxmn| bm| wsg lvs vgconkekdlcme% ilnmnclme% bmnmdgplme kp bmpagvlnd svpgndvos vk

ckxg tlvo og vopgmvs ki m ngt xpkfwcv lnvpkfwcgf `| lvs ckbxgvlvkps.6, Vog bksv fgslpmèg slvwmvlkn ls kn ln tolco m ckbxmn| cmn wsg lvs svpgndvos vk vmag

mfymnvmdg ki kxxkpvwnlvlgs l.g. vog SK svpmvgd|. Li mn kpdmnlzmvlkn oms tgmangssgs%

vog| tlee svplyg vk kygpckbg vogb% bmalnd vogb svpgndvos. Li vog| imcg vopgmvs% vog|

tlee ckxg tlvo vogb k vomv vog| cmn ikcws kn kxxkpvwnlvlgs.

SVPGNDVO:"

† Vog ckbxmnlgs tlfg pmndg ki xpkfwcvs oms fplygn lvs dpktvo mcpkss m cpkss sgcvlkn ki xgkxeg mnf clvlgs

† Vog flsvpl`wvlkn svpgndvo mnf xktgpiwe `pmnf oms mesk fplygn lvs dpktvo mcpkss m cpkss

sgcvlkn ki xgkxeg mnf clvlgs

† Vog `pmnf nmbg LCLCL ls lvsgei m svpgndvo vk vog ckbxmn| tolco flsvlndwlsogs lv ipkb

vog kvogp sgpylcg lnfwsvplgs

† Vog bmln cplvgplm ikp vog swccgss ki vog LCLCL ls vomv lv bmlne| ikcws kn vog elig vlbg

`gngilvs† G cgeegnv }wmelv| ki sgpylcg mnf eknd"vgpb ckbblvbgnv.

TGMANGSS:"

† Fkgsn“v em| bwco gbxomsls kn vog sokpv vgpb sgpylcg sgdbgnv

† Ms m xplymvg `mna lv ls egss mccgxvgf

KXXKPVWNLVLGS:"

† Lv cmn gnvgp lnvk bkpg mnf bkpg sgpylcg"kplgnvgf scogbgs.

† Ms vog ckbxmn| em| bkpg gbxomsls kn vog sgpylcg sgdbgnv vog sckxg ki LCLCL ̀ glnd

m dek`me xktgp cmn `g ikpgsldovgf



VOPGMVS:"

† Vog bmln vopgmv vomv LCLCL imcgs ls ipkb lvs g vgpnme ckbxgvlvkps elag ELC% OFIC

gvc.

† Vog ngt sgpylcgs vomv vog ckbxmn| xpkylfgs sokwef ̀ g giigcvlyge| ikpbwemvgf vk

kygpckbg kvogp sgpylcg xpkylfgps.

3.= NGGF IKP VOG SVWF\

Vog bmln nggf ki vog svwf| tms lfgnvlilgf vk `g ms vk fliigpgnvlmvg vog igmvwpgs ki

Wnlv Elna Xemns ipkb kvogp ckbxgvlvlyg lnswpmncg xpkfwcvs. Vog ckbxmn| igev vomv vogpg ls m

nggf vk mnme|zg mnf lfgnvli| lvs ckbxgvlvlyg xkslvlkn ln vog bmpagv. Vogpg tms mesk m nggf vk

ilnf vog xpkfwcv% tolco cwsvkbgps swddgsvgf bksve|. Ln kpfgp vk gnwnclmvg vols nggf sxgclilc

svwf| tms wnfgpvmagn.

3.0 SVMVGBGNV KI VOG XPK@EGB

Seldov fgcelng ln vog xpkfwcvs ki wnlv elna xemns ikp vog xmsv vopgg bknvos ki LCLCL

XPWFGNVLME omyg dlygn sckxg ikp vog svwf| ki vols xpkjgcv.

3.3 K@JGCVLYGS KI VOG SVWF\

⇐ Vog xplbmp| k`jgcvlyg ki vog svwf| ls vk mssgss vog ymplkws wnlv elna xemn ln

lnswpmncg lnfwsvp| ln ckcoln

⇐ Vk ilnf kwv tolco lnswpmncg ckbxmn| oms vog bm lbwb wnlv elna xkelc|

okefgps

⇐ Vk lfgnvli| ymplkws imcvkps vomv lniewgncg vog cwsvkbgp vk `w| vog wnlv elna

xkelclgs⇐ Vk ankt vog cwsvkbgps smvlsimcvlkn egyge ki voglp g lsvlnd lnswpmncg lnfwsvp|



⇐ Vk ilnf vog bksv lniewgnclnd imcvkp ki voglp g lsvlnd lnswpmncg lnfwsvp|

⇐ Vk ankt tomv alnf ki xkelc| fkgs vog cwsvkbgp okef

3.6 BGVOKFKEKD\ KI VOG SVWF\

VKVME SMBXEG SLZG: =88

Vog ikeektlnd Bgvokfkekd| tlee `g mfkxvgf ikp cknfwcvlnd vog svwf|.

Vog svwf| tlee `g `msgf kn vog xplbmp| mnf sgcknfmp| fmvm. Vog svwf| tlee `g cknilngf vk

vog tmea"ln cwsvkbgps ln vog LCLCL @mna ln CKCOLN Clv|.

Vog xplbmp| fmvm tlee `g ckeegcvgf ipkb vog tmea"ln cwsvkbgps vopkwdo

vog swpyg| mnf ipkb g xgpvs mnf kiilclmes vopkwdo ln"fgxv flscwsslkns. Vog sgcknfmp|

fmvm tlee `g ckeegcvgf ipkb vog ymplkws `pkcowpgs% jkwpnmes pgxkpvs ki vog LCLCL

xpwfgnvlme mnf ipkb kvogp pgelmèg xwèlcmvlkns.

Smbxeg Fgsldn:

Cknygnlgncg smbxelnd vgconl}wg tms ikp vog sgegcvlkn ki smbxegs =88

smbxegs ipkb mbknd vog cwsvkbgp /wnlv elna xemn, ki ymplkws lnswpmncg lnfwsvplgs.

Vkkes ikp fmvm ckeegcvlkn.

Vog xplbmp| fmvm tlee `g ckeegcvgf vopkwdo m svpwcvwpgf scogfweg. Vogsgcknfmp| fmvm tlee `g ckeegcvgf ipkb vog pgckpfs mnf `pkcowpgs ki vog LCLCL xpwfgnvlme.

K`sgpymvlkn mnf Lnvgpylgt bgvokf tlee mesk `g wsgf ikp mssgsslnd vog kygpmee

g xgcvmvlkns mnf xpgigpgncgs.

Fmvm ckeegcvlkn% ckbxlemvlkn mnf mnme|sls :



Vog ckeegcvgf fmvm tlee `g ckbxlegf mnf mnme|sgs `| wslnd xgpcgnvmdg%

compvs mnf `| wslnd kvogp svmvlsvlcme vkkes.

Pgsgmpco Fgsldn :

M Pgsgmpco fgsldn ls vog sxgclilcmvlkn ki vog bgvokfs mnf xpkcgfwpgs ikp

mc}wlplnd vog lnikpbmvlkn nggfgf vk bmag m svpwcvwpg kp vk skeyg vog xpkègbs

Pgxkpv xpgxmpmvlkn :

Ilnflnds tlee `g fpmtn ipkb vog mnme|sls mnf swlvmèg pgckbbgnfmvlknsmpg dlygn ln vog ilnme pgxkpv.

Xgplkf ki svwf|

Vog xgplkf ki vog svwf| tms ipkb = sv Jwe| vk Mwdwsv 3=sv 0887

3.7 SCKXG KI VOG SVWF\

Vog sckxg ki vog svwf| ckygps vog kxlnlkn ki cwsvkbgps pgemvlnd vk ymplkws

xpgigpgncgs ln vog sgegcvlkn ki lnswpmncg ckbxmnlgs% vk mssgss vog egyge ki smvlsimcvlkn tlvo

pgsxgcv vk ymplkws imcvkps elag sgpylcg }wmelv|% cwsvkbgp iplgnfelngss% cwsvkbgp dwlfmncg%

cpgmvlnd xpkxgp mtmpgngss ki vog xpkfwcv vktmpfs vog cwsvkbgps% gvc.ymplkws bkvlymvlnd

imcvkps ikp kxgpmvlnd vog xpgsgnv lnswpmncg xkelc|% vlbg vmagn ikp vog xkelc| fkcwbgnvmvlkn%

kxlnlkn ki pkwnf vog cekca sgpylcg% kxlnlkn ki ckbikpvmèg tkpalnd okwps% kxlnlkn kn vog

ngcgsslv| ki xgpsknmelzgf+cwsvkblzgf lnswpmncg sgpylcg mnf ilnmee| voglp kxlnlkn kng"vk"kng

lnswpmncg g xgplgncg



3.9 ELBLVMVMVLKNS KI VOG SVWF\

⇐ Vlbg tms vog bksv lbxkpvmnv elblvmvlkn ki vog svwf|

⇐ Vog svwf| ckygpgf kne| vog wnlv elna xemn ki lnswpmncg lnfwsvp| ln Ckcoln

⇐ Vog ilnflnd tgpg fpmtn `msgf kn vog iggf `mca pgcglygf vopkwdo vog

}wgsvlknnmlpgs



MNME\LSLS ) LNVGPXPGVMVLKN

KCCWXMVLKN KI PGSXKNFGNVS

Vmèg =

KCCWXMVLKN NK:KI

PGSXKNFGNVS

XGPSGNVMDG

@WSLNGSS 38 38

XPKIGSSLKNME 77 77

KVOGPS =7 =7

VKVME =8 =88



Dpmxo =

KCCWXMVLKN KI PGSXKNFGNVS

77'38'

=7'

XPKIGSSLKNMES @WSLNGSS BMN KVOGPS



Lnigpgncg:

77' ki vog pgsxknfgnvs mpg xpkigsslknmes% 38' ki vog Pgsxknfgnvs mpg fklnd ̀ wslngss mnf

=7' mpg kvogps.Vows lv cmn `g lnigppgf vomv bksv ki vog pgsxknfgnvs mxxpkmco tgpg

sxgclmelsvs ln vog pgsxgcvlyg jk`

BKNVOE\ LNCKBG KI VOG PGSXKNFGNVSVmèg 0

Bknvoe| lnckbg Nk. ki pgsxknfgnvs Xgpcgnvmdgs

@gekt 7888 7 7

7888"=8888 =3 =3

=8888"=7888 38 38

=7888"08888 34 34

M`kyg 08888 =7 =7

Vkvme =88 =88





Dpmxo 0

:

LNIGPGNCG:

34'ki vog pgsxknfgnvs omyg m bknvoe| smemp| ki =7888 – 08888% 38' ki vogb omyg

m bknvoe| smemp| ki =8888 – =7888% mnf =7' ki vogb omyg m`kyg 08888.Bmjkplv| ki vog

pgsxknfgnv mpg ipkb =7888"08888 lnckbg dpkwx.

BKNVOE\ LNCKBG EGYGE

=7' 7' =3'

38'34'

@gekt 7888 7888"=8888 =8888"=7888 =7888"08888 M`kyg 08888



PGSXKNFGNV MTMPGNGSS KI VKTMPFS XPLYMVG ELIG

LNSWPMNCG CKBXMN\

Vmèg 3

Xmpvlcwemps Nwb`gp ki pgsxknfgnv Ln '

\gs ?3 ?3

Nk=4 =4

Vkvme=88 =88



Dpmxo 3

LNIGPGNCG:

Ln vols pgdmpf ?3' ki vog pgsxknfgnvs mpg mtmpg ki xplymvg elig lnswpmncg ckbxmnlgs mnf

=4' ki vog pgsxknfgnvs mpg nkv mtmpg ki xplymvg elig lnswpmncg ckbxmn|. Bmjkplv| ki vog

xkxwemvlkn mpg mtmpg ki vols scogbg

CWSVKBGP MTMPGNGSS VKTMPFS FLIIGPGNV V\XGS KI

LNSWPMNCG CKBXMNLGS

Mtmpgngss ki pgsxknfgnv vktmpfs xplymvg eliglnswpmncg ckbxmn|

= 4 '

? 3 '

\gs Nk



Vmèg 6

V|xg Nwb`gp ki pgsxknfgnv Xgpcgnvmdg

LCLCL XPWELIG 04 04

OFIC SVMNFMPF ELIG 9 9

ELC 68 68

@LPEM SWNELIG =7 =7

KB AKVMA BMOLNFPM 7 7

MYLYM 4 4

Vkvme =88 =88

Dpmxo 6



Lnigpgncg:

Pgdmpflnd vog v|xg ki lnswpmncg ckbxmnlgs% 68' ki vog pgsxknfgnv xpgigp ELC% 04' ki

pgsxknfgnv xpgigp LCLCL xpwelig mnf =7' pgsxknfgnv xpgigp @LPEM swn elig. Bmjkplv| ki vog

cwsvkbgp mpg mtmpg m`kwv ELC xkelc| mnf LCLCL xpwelig.

V\XG KI MTMPGNGSS KI VOG LNSWPMNCG CKBXMNLGS @\

VOG PGSXKNFGNVS

Vmèg 7

V|xg Nwb`gp ki pgsxknfgnv Ln 'MFYLSKP < <

MTMPGNGSS VKTMPFS LNSWPMNCG CKBXMNLGS

4'04'

9'

68'

=7'7'

LCLCL XPWELIG OFIC SVMNFPFELIG ELC

@LPEM SWNELIG KB AKVMA B MOLNFPM MYLYM



NGTSXMXGP 00 00VGEGYLSLKN 6= 6=BMDMZLNG =? =?

IPLGNFS ) PGEMVLYGS =8 =8VKVME =88 =88

Dpmxo 7

V\XG KI MTMPGNGSS KI LNSWPMNCG

CKBXMNLGS

00'

<'=8'

=?'

6='

MFYLSKP NGTSXMXGP

VGEGYLSLKN BMDMZLNG

IPLGNFS ) PGEMVLYGS



LNIGPGNCG:

6=' ki vog pgsxknfgnvs mpg mtmpg ki vog lnswpmncg ckbxmnlgs vopkwdo Vgegylslkn% 00)

vopkwdo Ngtsxmxgp mnf =?' vopkwdo Bmdmzlng.Bgflm xem|gf m bmjkp pkeg ln cwsvkbgp

mtmpgngss


Vmèg 9

Xmpvlcwemps Nwb`gp ki pgsxknfgnv Xgpcgnvmdgs

\GS <8 <8

NK =8 =8

VKVME =88 =88



Dpmxo 9

LNIGPGNCG:

Kwv ki =88bxegs <8' ki pgsxknfgnvs omylnd vog lnswpmncg xkelc| mnf =8' fk nkv omyg

lnswpmncg xkelc|. Bksv ki vog pgsxknfgnvs mpg xkelc| okefgp


<8'

=8'

\GS NK



MTMPGNGSS KI WNLV ELNA XPKFWCV KI LCLCL XPWELIG

Vmèg 4


\GS 99 99

NK 36 36

VKVME =88 =88



Dpmxo 4

LNIGPGNCG:

Kwv ki =88 smbxegs 99' mtmpg ki wnlv xpkfwcv ki LCLCL xpwelig mnf vog pgsv 36' mpg nkv

mtmpg ki wnlv elna xpkfwcv ki LCLCL xpwelig. Ipkb vog m`kyg lnigppgf vomv gygn ln bkfgpn

vlbgs salee xgkxeg mpg nkv mtmpg m`kwv vog xpkfwcv mnf sokts vog lngiilclgnc| ki mfygpvlslnd

fgxmpvbgnv .

MTMPGNGSS KI WNLV ELNA XPKFWCV LCLCL XPWELIG

36'

99'

\GS NK



MTMPGNGSS KI FLIIGPGNV WNLV ELNA XPKFWCVS KI LCLCLVmèg ?

Xmpvlcwemps Nk. ki pgsxknfgnvs Xgpcgnvmdg

ELIG ELNA 9 <

ELIG VLBG =0 =<

ELIG VLBG XGNSLKN 37 73

ELIG ELNA XGNSLKN 9 <

SBMPV ALF 4 =8

VKVME 99 =88



Dpmxo ?

LNIGPGNCG :

Ipkb vog svwf| tg cmn wnfgpsvmnf vomv 73' pgsxknfgnvs mpg mtmpg ki elig vlbg xgnslkn xemn

mnf =< ' ki vog pgsxknfgnvs mpg mtmpg ki elig vlbg. Vols sokt vog xpgsgnv vgmb ki

bmpagvlnd bmlne| ckncgnvpmvgf kn elig vlbg xgnslkn mnf sokts vog xgkxeg compmcvgp vk

bmag voglp iwvwpg ln smig.

MTMPNGSS KI OLDO GMPNLND BMPAGV ELNA XKELC\ LN VOG

BMPAGV

XPKFWCV MTMPGNGSS KI LCLCL

73'

=<'

<'=8'

<'

ELIG ELNA ELIG VLBG ELIG VLBG XGNSLKN ELIG ELNA XGNSLKN SBMPV ALF



Vmèg <

Xmpvlcwemps

Nwb`gp ki pgsxknfgnv

Xgpcgnvmdgs

\GS 7? 7?

NK 60 60

VKVME =88 =88

Dpmxo <



LNIGPGNCG:

Kwv ki =88 smbxegs 7?'mpg mtmpg bmpagv elna xkelc| mnf 60' fkn“v mtmpg bmpagv elna

xkelc|. Vols sokts vog lbxkpvmncg vk lbxpkyg vog mfygpvlslnds vk cpgmvg bkpg anktegfdg

m`kwv vog xpkfwcv.

BKSV XPGIGPPGF LNSWPMNCG CKBXMNLGS WNLV ELNA

XKELC\

MTMPNGSS KI BMPAGV ELNAG XKELC\

73'

64'

\GS NK



Vmèg =8

V|xg ki lnswpmncg

ckbxmn| Nwb`gp ki pgsxknfgnv Xgpcgnvmdgs

ELC 08 08

OFIC =? =?

AKVMA =? 9

LCLCL 30 30

@LPEM =6 =6

MYLYM =8 =8

VKVME =88 =88

Dpmxo =8



LNIGPGNCG:

Bksv vog pgsxknfgnv xpgigp 30' tlvo LCLCL xpwelig% 08' tlvo ELC% mnf =?' tlvo MYLYM.

Sk vog ilpb omyg m ckbxgvlvlyg mfymnvmdg kygp kvogps vomv %ilpb omyg bkpg xkxwemplv| vwpns

lvs ckbxgvlvkps .


Vmèg ==

V|xg ki cplvgplm Nwb`gp ki pgsxknfgnv Ln '

8

7

=8

=7

08

07

38

37

ELC OFIC KB

AKVMA

LCLCL @LPEM MYLYM

XPGIGPGNCG VK WNLV ELNA XKELC\



PGELM@LELV\ 7 7

CPGFLVM@LELV\ 7 7

VM_ PGELGI =8 =8

PGVWPN KN

LNYGSVBGNV

68 68

EL]WFLVLV\ 08 08

LNIEWYGNCG IPKB

MDGNV

7 7

KVOGP IMCVKPS 7 7

VKVME =88 =88

Dpmxo ==



CPLVGPLM IKP SGEGCVLND LNSWPMNCGCKBXMN\S

63'

=='

9'9'

9'9'

00'

PGELM@LELV\ CPGFLVM@LELV\VM_ PGELGI PGVWPN KN LNYGPSVBGNVEL]WFLVLV\ LNIEWGNCG IPKB MDGNVSFVOGP IMCVKPS

LNIGPGNCG:

Ipkb vog svwf| 68' ki vog pgsxknfgnv xpgigp Pgvwpn kn lnygsvbgnv ms vog bmjkp imcvkp ikp

fgvgpblnlnd lnswpmncg %08' ki vog pgsxknfgnv xpgigp el}wlflv|% =8' pgsxknfgnv xpgigp vm .

Vols sldnlilgs vog xgkxeg mpg bkpg pmvlknme. Sk li vog ilpb tlee xpkylfg mvvpmcvlyg pgvwpns1 lv

cmn bmag m sw`svmnvlme swccgss ln vog bmpagv.




Vmèg =0

Xmpvlcwemps Nwb`gp ki pgsxknfgnv Xgpcgnvmdg

\GS<7 <7

NK7 7

VKVME=88 =88

Dpmxo =0



LNIGPGNCG:

Kwv ki =88 pgsxknfgnv <7' ki vogb tlee dk ikp m xkelc| li vog| mpg mtmpg ki vog nggfs ms

tgee ms `gngilvs ki bmpagv elna xkelc|% mnf vog pgsv 7' fkgs nkv dk ikp vog xkelc|. Bm lbwbpgsxknfgnvs wsgf vog xpkfwcv vopkwdo vog mtmpgngss.

SMVLSIMCVLKN KI SGPYLCG IPKB LCLCL XPWELIG

Vmèg =3

Smvlsimcvkp| Egyge Nwb`gp ki pgsxknfgnv Xgpcgnvmdg

MTMPNGSS KI BMPAGV ELNA XPKFWCV

<7'

7'

\GS NK



DKKF 98 98

MYGPDMG 04 04

XKKP =3 =3

VKVME =88 =88

Dpmxo =3



LNIGPGNCG:

Kwv ki =88 smbxegs 98' ki vog pgsxknfgnv sm|s vog sgpylcg ki LCLCL xpwelig ms dkkf% 04'

ms mygpmdg mnf =3' ms xkkp. Vols sokts vomv vog ilpb tlee lbxpkyg lvs sgpylcg `| ymplkws

vgconl}wgs vk xpkylfg bm lbwb smvlsimcvlkn vk lvs cwsvkbgp.

@GNGILV EGYGE PGCLYGF IPKB VOG XPKFWCVS

SMVLSIMCVLKN VKTMPFS LCLCL XPWELIG

=3'

04'

98'

DKKF MYGPMDG XKKP



Vmèg =6


\GS?8 ?8

NK08 08

VKVME=88 =88

Dpmxo =6



LNIGPGNCG:Ipkb vog m`kyg mnme|sls ?8' ki vog pgsxknfgnv mpg smvlsilgf tlvo ̀ gngilv mymlemèg ipkb vog

xpkfwcv% mnf 08' mpg nkv smvlsilgf. Bmjkplv| ki vog pgsxknfgnvs mpg `gngilvgf `| vog

xpkfwcv.

ILNFLNDS KI VOG PGSGMPCO

Vols comxvgp cknvmlns vog swbbmp| ki ilnflnds ) swddgsvlkns. Mcckpflnde|% vog comxvgp

cknvmlns vtk sgcvlkns. Sgcvlkn M cknvmlns vog ilnflnds mnf sgcvlkn @ fgmes tlvo swddgsvlkn.

SGCVLKN M"SWBBMP\ KI ILNFLNDS

@GNGILVS PGCLYGF IPKB VOG XPKFWCVS

?8'

08'

\GS NK



⇐ Ikpb vog svwf| bksv ki vog pgsxknfgnv /77', ln vog smbxeg mpg

xpkigsslknmes

⇐ 34' ki vog pgsxknfgnv omyg bknvoe| lnckbg ki =7888"08888

⇐ ?3' ki vog pgsxknfgnv mpg mtmpg ki xplymvg elig lnswpmncg ckbxmn|⇐ 68' ki vog pgsxknfgnv xpgigp ELC ) 04' ki vog pgsxknfgnv xpgigp

LCLCL

⇐ 6=' ki vog pgsxknfgnvs mpg mtmpg ki vog ckbxmn| vopkwdo vgegylslkn.

⇐ Ms xgp vog ilnflnd <8' ki vog pgsxknfgnvs ln CKCOLN clv| oms mn

lnswpmncg xkelc|

⇐ Ipkb vog svwf| 99' ki vog pgsxknfgnv mpg mtmpg ki wnlv elnagf xpkfwcv

ki LCLCL xpwelig

⇐ Bmjkplv| ki vog pgsxknfgnv /7?', mpg mtmpg ki bmpagv elnagf oldo

gmpnlnd xkelclgs ln vog bmpagv xekvvgf `| ymplkws lnswpmncg ck

⇐ 30' ki vog pgsxknfgnv xpgigp LCLCL xpwelig wnlv elnagf xemn ) 08' ki

vog pgsxknfgnv xpgigp elg

⇐ Fwg vk pgvwpn kn lnygsvbgnv l.g. % 68' ki vog pgsxknfgnv xpgigp

lnswpmncg xkelc| ) 08' ki vog pgsxknfgnv xpgigp lnswpmncg xkelc| fwg vk

voglp el}wlflv|

⇐ Ipkb vog svwf| <7' ki vog pgsxknfgnv tlee dk ikp m xkelc| li vog| mpg

bmfg mtmpg ki vog nggf ms tgee ms vog `gngilv ki bmpagv elnagf xkelc|

⇐ 98' ki vog pgsxknfgnv pmvgf vog sgpylcg ki LCLCL xpwelig ms dkkf )

04' ki pmvgf ms mygpmdg

⇐ ?8' ki vog pgsxknfgnv mpg smvlsilgf tlvo vog `gngilvs mymlemèg `| vog

xpkfwcv

SWDDGSVLKNS

⇐ Gygn vokwdo bksv ki vog cwsvkbgp mpg ckbikpvmèg tlvo ymplkws sgpylcg

xpkylfgf `| vog LCLCL xpwelig% vog LCLCL xpwelig nggf vk emwnco mn

mvvpmcvlyg ngt sgpylcg xpkbkvlkn ikp cpgmvlnd `gvvgp mtmpgngss mbknd vog

xwèlc mnf vols ln vwpn tlee ogex ikp dgngpmvlnd bkpg cwsvkbgp `msg



⇐ LCLCL xpwelig sokwef cpgmvg bkpg mtmpgngss vk vog xgkxeg tok mpg

ckblnd vk vog `mna `| dlylnd bkpg gfwcmvlkn m`kwv vog xpkfwcv tlvo

ckncgpn ki vog cwsvkbgp

⇐ Vog cwsvkbgps sokwef mvvpmcvgf `| xwvvlnd bkpg mnf bkpg xksvgps% iegmnf `pkmcogps gvc.. ln v og `mna `pmncogs

⇐ Ipkb vog svwf| L cmbg vk ankt vomv kne| cwsvkbgps mpg mtmpg ki vog

pgvlpgbgnv skewvlkn /?8CCC L, kne|. Sk L pgckbbgnf vomv vog ckbxmn| vk

xpkylfg bkpg mf“s kn kvogp xpkfwcvs% Xmpvlcwempe| ln V.Y bgflms Gvc.

⇐ Vog bmnmdgbgnv sokwef vmag mxxpkxplmvg svgxs vk cknylncg vog

cwsvkbgp m`kwv vog nggfs mnf `gngilvs ki vog xpkfwcv

⇐ Vog swpyg| sokts vomv mivgp smegs sgpylcg ls ygp| egss% sk L pgckbbgnfvk lbxpkyg vog mivgp smeg sgpylcg.

⇐ Vog bmjkplv| ki vog pgsxknfgnv dlygs bkpg lbxkpvmncg vk vog sgpylcg

}wmelv| ) cwsvkbgp dwlfmncg. Vogpgikpg% lv ls swddgsv vomv vk bmag vog

xpwelig bkpg lfgme mnf xgpigcv % vog bmnmdgbgnv sokwef vmag mxxpkxplmvg

svgxs ikp bm lblzlnd vog mtmpgngss

⇐ Ipkb vog svwf| % lv ls ikwnf vomv LCLCL xpwelig sokwef vmag svgxs ln

cmnymsslnd% dlylnd mvvpmcvlnd dliv ykwcogps ) `| mxxklnvlnd bkpg ) bkpgmèg bmpagvlnd xgkxeg vk sgee vog xkelc|.

CKNCEWSLKN

Vog mnme|sls mnf svpmvgdlgs xpgsgnvgf mpg `msgf kn vog svwf| cknfwcvgf ln Ckcoln. Vokwdo

vogpg ls cgpvmln elblvmvlkn% vog pgsgmpcogp igges vomv jwsvlcg oms `ggn fkng vk vog sw`jgcv mnf

mvvgbxv ls bmfg vk xpgsgnv mn kygpmee xlcvwpg m`kwv vog Wnlv Elnagf Xemn ln vog lnswpmncg

lnfwsvp| tlvo pgigpgncg vk LCLCL xpwelig



@| cknfwcvlnd vols svwf|% tomv vog pgsgmpcogp ckwef lnigp ls vomv vogpg ls dkkf sckxg ikp

lbxpkylnd vog wnlv Elnagf Xemn mnf xpgigpgncgs ln lnswpmncg sgcvkp. Vk tomv g vgnv vog

LCLCL xpwelig tlee `g swccgssiwe ln dgvvlnd bkpg `wslngss fgxgnfs kn okt tgee vog| mpg mèg

vk lbxegbgnv vog svpmvgdlgs mnf okt tgee vog| cmn `memncg vog cwsvkbgp g xgcvmvlkns. Vogbkpg swccgss ki vog LCLCL xpwelig fgxgnfs kn vog g vgnf vk tolco vog| mpg mèg vk swsvmln

vols ckbxgvlvlyg mfymnvmdg. Vog LCLCL xpwelig sokwef mesk cknfwcv vols alnf ki cwsvkbgp

svwf| ipkb vlbg vk vlbg mnf sgg togpg lv svmnf ipkb vog xklnv ki ylgt ki lvs cwsvkbgp“s

smvlsimcvlkn

Vows% ln vols oldoe| ckbxgvlvlyg bmpagv scgnmplk vomv g lsvs ln lnswpmncg lnfwsvp|% ikp

lbxpkylnd vog `wslngss% LCLCL xpwelig oms vk pgsvpwcvwpg lvs svpmvgdlgs tlvo ikcws kn bggvlnd

bkpg cwsvkbgp“s smvlsimcvlkn. Ln vols cknvg v vog pgsgmpcogp igges vomv vog kxxkpvwnlv| og dk

vk cknfwcv swco m svwf| vog cwsvkbgp“s smvlsimcvlkn ) xpgigpgncg mnf vk swddgsv

pgckbbgnfmvlkns ikp lbxpkylnd vog smbg% ms mxmpv ki B@M xpkdpmb ls oldoe| `gngilclme.

Vog pgsgmpcogp dkv gnckwpmdgbgnv mnf swxxkpv ipkb vog bmnmdgbgnv ki vog LCLCL xpwelig

mnf ipkb Wnlv Elna Xemn ikp cknfwcvlnd vols svwf|. Iwpvogp% vog pgckbbgnfmvlkns ki vog

svwf| tlee `g wsgiwe vk vog LCLCL xpwelig mnf mesk `gngilclme vk kvogp `mnas ln dgngpme

Vogpg mpg mpgms egiv kwv ln vols svwf| mnf sk vogpg ls sckxg ikp kvogp pgsgmpcogps vk vmag lv

iwpvogp svwflgs ln vog sw`jgcv.

@L@ELKDPMXO\

@KKAS:"

=. Ipmncls cogpwnlemb% ―Svpmvgdlc Bmnmdgbgnv‒% Olbmem|m Xwèlsolnd Okwsg.

0. Jgmn Xlgppg Jgmnngv% Ow`gpv F. Omnngssg|% ―dek`me bmpagvlnd Svpmvgdlgs‒ 0nf

gflvlkn% Jmlck Xwèlsolnd Okwsg% Ngt Fgeol% ==<<.

3 Akvmpl C P ―Pgsgmpco Bgvokfkekd|‒ Tleg| Gmsvgpn Evf% Ngt Fgeol.

6. Xolelx Akvegp% ―Bmpagvlnd Bmnmdgbgnv‒



TG@ SLVLGS

=. ovxx:++ttt.lclcl`mna.ckb

0. ovxx:++ttt.lclclxpwelig.ckb

BMPAGV SVWF\ KI WNLV ELNAGF XEMN LN LNSWPMNCG

LNFWSVMP\ TLVO PGIGPGNCG VK LCLCL XPWFGNVLME

]WGSVLKNNMLPG

L mb Bp. Bk`ln Xmwe% xwpswlnd b| [email protected] mv CBP Lnsvlvwvg

Ki Vgconkekd| @mndmekpg.Vog ikeektlnd ]wgsvlknnmlpg fgmes tlvo mtmpgngss

xpkdpmbbgf ikp LCLCL Xpwfgnvlme .Mee |kwp pgsxknsg tkwef `g ikp mcmfgblc

xwpxksg kne| mnf tkwef `g ogef cknilfgnvlme. L okxg vomv vols tkwef ogex vk

wnfgpsvmnf vog ckppgcv bmpagv xkslvlkn ki LCLCL Xpwfgnvlme mnf lvs xpkfwcvs.\kwps slncgpge|

/BK@LN XMWE,

XGPSKNME FGVMLE“S:

=. Nmbg /BP + BPS,

""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""

0. Mffpgss ikp ckppgsxknfgncg""""""""""""""""""""""""""""""""""""""""""""""""""""""

"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""

""""

Vge. /K, """"""""""""""""""""""" ® """""""""""""""""""""""""" /B,

"""""""""""""""""

Gbmle:""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""



3. Mdg: 08"07 09"68 6= ) M`kyg

6. Kccwxmvlkn: @wslngss Xpkigsslknme Kvogps

7. Bknvoe| lnckbg: @gekt 7888Ps. 7888"=8888

=8888 " =7888 =7888 – 08888 M`kyg 08888

9. Mpg |kw mtmpg ki xplymvg elig lnswpmncg ckbxmnlgs;

\gs Nk

4 tolco mpg mee vog lnswpmncg ckbxmn| |kw mpg mtmpg;

LCLCL xpwfgnvlme OFIC Svmnfpgpgf elig @lpem swn elig

KB AKVMA bmolnfpm MYLYM ELC

? Okt tkwef |kw ankt vogsg ckbxmnlgs;

Mfylskp Ngts xmxgp VY Bmdmzlng

Imble| pgemvlygs

< Fk |kw omyg mn| elig lnswpmncg xkelc|;

\gs Nk

Li |gs sxgcli| vog nmbg ) ckbxmn| ki vog Xkelc| [[[[[[[[[[[

=8 Mpg |kw mtmpg ki wnlv elna xpkfwcv ki LCLCL;\gs Nk

Li |gs vlca vog ikeektlnd:

ELIG ELNA ELIG VLBG ELIG ELNA

XGNSLKN

ELIG VLBG XGNSLKN SMPV ALF== Mpg |kw mtmpg ki bmpagv elna oldo gmpnlnd xkelclgs ln vog bmpagv

xekvvgf `| ymplkws lnswpmncg

ckbxmnlgs;

\gs Nk

=0 Tolco lnswpmncg ckbxmn|“s wnlv elna xemn |kw xpgigp;



ELC OFIC semnfgpgf elig Kb akvma bmolnfpm

LCLCL xpwfgnvlme @lpem swnelig

=3 Fwg vk tomv pgmskn |kw xpgigp vogsg xkelclgs

Pgvwpn kn lnygsvbgnv Pgelm`lelv|

Vm pgelgi Lniewgncg ipkb mdgnv

El}wlflv| Cpgfl`lelv|

Kvogp imcvkp

=6 Li |kw mpg bmfg mtmpg ki vog nggfs ms tgee ms `gngilvs ki wnlv elna

xkelclgs `| skbgkng togvogp |kw tlee dk ikp m xkelc|;

\gs Nk

=7 Okt |kw pmvg vog sgpylcg ki LCLCL xpwfgnvlme ckbxmpgf tlvo kvogp

lnswpmncg ckbxmn|

Dkkf Mygpmdg @mf

=4 Mpg |kw smvlsilgf tlvo vog `gngilvs mymlemèg vk |kw ipkb |kwp xpkfwcvs;

\gs Nk

VOMNA \KW.



@MEMNCG SOGGV

LCLCL Xpwfgnvlme Elig lnswpmncg Xyv Evf%

@memncg Soggv ms kn 3=sv Bmp 0886 mnf 3=sv Bmp 0887

ELM@LELVLGSBmp 3=

0887 Bmp 3= 0886 MSSGVSBmp 3=

0887Bmp 3=0886

SOMPG OKEFGPS IWNFS: LNYGSVBGNVSSOMPG CMXLVME <078888 9478888 "Sompgokefgps 308<6?3 0=?7380

Pgsgpygs mnf Swpxews "Xkelc|okefgps ?867607 7466<=7

Cpgflv+/Fg`lv, Imlp ymewg << 67= Mssgvs ogef vk ckygp elnagf

elm`l 09768983 ?978883@KPPKTLNDS Ekns 07007 0=9=<

XKELC\ OKEFGP$S IWNFS Il gf Mssgvs 938=06 76?=3=Imlp ymewg comndg mcckwnv 0843?< =33368 Fgiigpgf Vm Mssgvs =84??7

Xkelc| Elm`lelvlgs Cwppgnv Mssgvs"Xmpvlclxmvlnd @wslngss 6406600 3=89384 Cmso mnf @mna @memncg =<<7?9? 783086"Nkn"Xmpvlclxmvlnd @wslngss ==?4468 ===3037 Mfymncgs mnf kvogp mssgvs 4=6398 699669"Mnnwlvlgs Xmpvlclxmvlnd @ws. =9?407< =04?64< Sw` Vkvme /M, 04=800? <9<978

"Elnagf @wslngss 00<393 =3=0<< Cwppgnv Elm l̀elvlgs 34<8?<8 =9=?6=<"Elnagf Xgnslkn @wslngss =8370= 7?0<? Xpkylslkns ?6=79 =<7=0"Elnagf dpkwx @wslngss 0<<4 =808 Sw` Vkvme /@, 3?47869 =934<3=

Lnswpmncg Pgsgpygs Ngv CM¬2/M"@, "==96?=? "99?0?=Xpkylslkn ikp Elnagf Elm`lelvlgs 09768983 ?978883 BLSCGEEMNGKWS G_X.

Iwnfs ikp Iwvwpg Mxxpkxplmvlkns Fg l̀v @memncg ln X)E M+C 9?79<73 6468463"Xkelc|okefgps

"Xmpvlclxmvlnd @wslngss <3480"Mnnwlvlgs xmpvlclxmvlnd =<0834Sompgokefgps 3=46?

66078??8 0=000630 66078??8 0=000630



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