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I3 oJc66J$ o6elofl moSailor orom3clrcr:olgcoco ao3 *::3.1O "o**6 op nccgcoc6lao-

poaoernond oroog*'to t'-ltt t.,-l1fic0'ac'a 9.''lctc'l!-""fr'6tntnila'dlao;aecorc ea'c"Jl

o-olqlJ6ca)c o-e-19u6'

1 4. pr oocruBlomccoc oom.: gocoll aemqi ol q; om6ll OaoSao gcco'rc olsqo sAorole

15. 610668gos Pcfr1o-oclngo-o6/ omg- cl6aeilcn" roconcc6 aClo)coro ojltlorollcd celco]j

' " - --;#r*?'fl oooita;ggngoroeia3o 1n-rol0omlcno cnsorole'

16 oocruBlrd coceru65-- o66-asouc0 iiY:i-1 ;,Jffi "#3#ffi' ffiffi#5o-rj1o o o.l cru3o c g: c crucn-o'6 oo-l cor coc o3dlcmc gct-

,.'pog=3'''0':3*:y::.18?=#f Hfl ffi :y'J-*Bfu ocf, ecoireol06l{;*<usrcmicor

17. 61D66Bgos oom)BlelJo

oooor-ro1a6 cl;c*r.r,ia#Jr3*:*o[*lnn o"6,"t'.ar*r,r3*gr*E, o6 oLrc6collcac a6lofloo

acernlaoSa raraoS3*lrot *;-s;;to*6r?' m*'[1os til"c,nl"'1o'tlafl a6loioo a'ceniao3a'

18. qlolocollen..tmloggc<oc ranojld crilcm-gosorolercrooJocGtolc r-610col GmrcrlmenrgcA' ojlolosrBCA

-c rrrcn-oi3-o c,l co' A "61mlt

cl oJaao3o

r g. q:"c oocru8loca cru"c&oJ5rBgo (.rDc.rq(Irt^$:^ 9o-lcolccnergs3orojl o4soromialo cnlcoroolo3arr

1.,.t-o5onil roroogal)'t '6gg9i-ffiu *t'.''*i**''og u*dlao3cm tn-lcl6orom6-6Bcrd cnsorole'

20. pc 9s0-xdlccolc oc6oroalla3o MAFIL gsmldlccorc mcorcoc eto"eIlaoJa'

2 1. 6lr'r6ccorGcoc el)oJoBsorocroc oa41e'r-rnigilao3cmcloc oroco oJl<r.toe'orad mota3a''

22. oocrud 2olecorccr5lao3cm o6 cl;aonagos mlcmlorojlaoccor oJlruoeors(A gcAogostollBg

cr;amflrooccor ,rn()],i'#0a," p.fr.t ,i." anrr366cl cnl ro?ao5crn1g. emscmccoll oocro6

gn-lcoccrjlao3a'

23.CruocolJoc(o,ro$g-nlerra.o6miMAFILm;ccolobcol;oeoJ(6)J.mn.oerre-9n.lcco,rcc.d1osd4cde,cil6c-o;adool94a'

24, MAFIL, 5]0l oJrmco aa'ril raoogeird alcscd og;rrrio]oJoscocot o-]ocojlad' ro6aoonc6'

cllcoCcruagari, -cscfupd 6 3ao]eca, n-olml", -oon-om3a6,

njsaca "Ocn'cx

olo3oru5lclgga'corc

recoJolkd cloccrlSrm cJltuonilcelc erruc!merBca polcotccdlao3a'

25. MAFIL orooga!]cfi og3ocool}er3o c..,"lol"oocfr acaoLj om6.cl6ao., co.lcol"oocfr ac6o.l" om6icl6ao",--

*olco)""r.6'*Ia"r) ",id8..1".e u3.3t*-''o *^ogasld c()-lor"oocfr oc6o'd om6icr:6ao" oJgesos

ao.ocno o6rm'a.3ar,3cm oloror,nrd ecruclmanc0 90-lcotcUilao;a'

26. MAFIL ocfi Gm)otcnBcosaoglld crlccrnc oseleocmflc&crilecmc cn.lcor"ooofr e1o-rccrucpaocold*-,rfl".r. ,6" nlgJcor6oc.jld d*.fi, 9gg og,orooiaSo rooonila3gg Gm)olcno meoceJo crJluro 999

1.-l o4omila$ afr o66o9s3a.

27, MAFIL d crilcmJo o3c6a3$ Cru(D(Do o]c5.6Bcoro og3o<oeila;o roooroiler3gg ace5cco6cr-l)-

oroco-ia,saca ooolfl o@ mllgomlcel66)a)6oJe

14. do-o6fB" m@r6UBcA

cfl4c6d oJlgm o6X3co rorocroioocnoJkdao3o o'lonc6rlBc oo6oc8coc Gnmlolrjleolcm.d)B nilorsca

cfl-gcdd l6e4nu- oo-lE4cm DTH oroaoc-ond mrrrl6 ooogmjl'd oocoo6ni(flmmJA p-o:91 cnlerncO

;;;;.-.#ao,.Ufrao3.. o16.. or.ooeruot oiorA oroogolnfl DTH cn6o|c6re" mrnrA

p.lole;*o" n_jaeolcrd ".j%"! ralcad MAFIL goroocrtcr:1)rorccollrriao3aoflg. o:oa,v, rocaca

oocrl61afl mscom1o ,r.tr paJrd.t, J.rno ,r,.aglos ac6o,11afi oromclc eocmi rsmaoeerr4cetao"

orc6d o-algogr3*.p ps"-lcd *t*i iq o ernl ao3cn m3ggilot o1o1c6e ercueJlcld

o-qog=ro(o.-(0fr1.3.rr.a, #*ugo. cacerosc€l" rarornj ca4lnfr oacs3o'roio1)ao3crn 6To66Bgos

*ffia-*a.n*Y p-"o.colfh olerfiio-nloa **u6ro" g-oooflotr .ocogf crflc''roo orociltol]aoco

p-oocolleJlnft rocos uoeioruflolaorm o{lo]o9r:-ri gca5)(.gs3omco I 1':::?q^cnmra (DTH

rarddor6re'mrrua; ocgcol"l"t *Lt:, cfl-qc6d o3er]o' frsucd mscm oilco'rofl ' acdoo6 mm,t6'

MAF|LprcmlorecuorollrfiGl0ccnlo.g6moms(6,roJ6(oJocrllerBgosacOo-rjlcelaeioroao.cend]celao"corLocaccroomilaft or6mo -orc6; oilqoggo.,r,.i3o cll4cad ooleftocll msrntl$g oormJo 66flBccft

criongos p-ooroild ^atl it-t-til.rf a**rr?""Jgdl.? crjlen:c6asi ol6rDo r9on6flB" cro*)l

adlaogo. n66, ot.nufla3afro cr5longos omoil^ €$bc(rl)"od MAKash clcafr)caao' o1aot5l6

or..lcoloo.lslo. nlledBgAos '-.1bO"pgi'erno ofkdlai clcrucorr$lcaao" tsccftcru-on6 oolgcmcoll

crflangos MAKash ,,1.",6.f ,nf*'aeo' 6roJ GIaGoJa)s ldlod o-c.lgco alcallocf, mo)66r:(A

*.3fini41o-L*o nfleo'ngos erucaiomaoT errdnfr ac6nUdocc6 3-21 cJlcr:auo o4;s3ao3o

t S. oncr.raucnilgflao<d ; gsmtdl oo"€lm66Bd

MAFIL,rorooilocflmlcoocrjlccrl-c'trnc<dlacoopleorcuJl4iog3ocoriletSo-&co6rDooacG6iEcc,ogcocoea)c ojllP aSscoco(6)ocm (U)c$)gos rcn6o"cefi3" (Oraogollnfl orooflocfr o63Orooio3o reccno)

crum:otc6crl- o-argjeccoc os6o1cm6? olrg36,qqo)c o'r gco .)O""" 1t11- 1umoilao3rm3orooet ejld ocac6 ,ilaol,tu g.-jco]ccrflao3nnari auau:oo-Lc6nri o-c-l94aGa)c osaojlGmFJ o-oigleo)3o

ffif#; ;;;#r.A ;O"rrjterJo rec,,co^c _ o3v3crcnccolt roo.n)ccuc, rocagos cor3nud

o1n:c6"on-0nfr. .csgos Aorl.lcorc6' erto-tcooo-oafl n,cn1c! o43ad cruoo.roo3o crileoo o-clglJe'c.,c

ov'lclcao3aecor c o-olgogsco- cl'6) rrnJo rocad au ao n'jl eoJcrni - MAFIL crulfioo

crjlccrJ-lmcujlacotot&coor o€loJ(ruoo)6'IDJo G$DOlmo oJ\PSOlmcG(a)c mmoflocft ao3 reccncac ogcfuo36

o,or;tcoltcgcs a3dlctorc *g,*i-b'^ goSonlcuElco orcoroco3 o3c6a36 orocilolgSo 90JUco(r) (oocm

rocogos o6oJlno *o6ftomogaJlcft nim,gos oroaolcena",ooogellnft oooflorQ elo3 racoo o6;mflcr't

r.a,-*.6 o-913.r.1* roca-d nuooolaoScrnJ 'eJsco., t'o'o'o os6o1cm61d MAFIL cri

(U)c6:cgcesc r3*.o -Jlt'"tt *"(l);t'" 9t""t*-na*"3t-'g rruoc/ocoaooc(oJl o{;oroaio3o

rooorollo3gg ol6lqlm €JoJo-lGcorccoo, crjlcoroomllocooJ]ocor 1o--tcl6oromo o4lmicr:acern3cmolano'

GooJ, crro)oo mstlacdoJrm g-cjl(Doca, G'ooilecdleog (6locJlordoco+cm(Dc6m'. o€lo@ejlejJoeco6morocc6 MAFIL ers6olcmovc6 msorogaco;coernmjlrd cmrotmonri go-tcco.rccrj)ao3rmro'gscndlcril6nmgerorm'rococ6 crumoiao3rrn3.

16. 6n.lcrrDJro, Ga,sjolcsja,oO o6;miloJco,Jos oJroilo'loil6ioA

a. MAFIL, orooioc@, cacenilscqOocd, o6*cfuoc6, ooermc6cru6oc6, orc6dem6oc6 o6nrilo-r6ao'a)co(6)coJ ru c ocr_c.t o; omfl a3o coco,6ao" totc('J6, cLtGocelgoca)j ooJcssffnorna)Jggoocmflooflocoreiel3o olrdl6rn(Do-oeroc(o)JsrreceJor, crria,rc6oooccor, crllcopmuo orom3aoemlo,.o.O.rr'loi$t co6ocoJdrac6o4cm (pcr.rconafl m€oESJcoJcor ennmAmcp orocr: mr o e-onc6,mogoHSCroJoJmo, to-]eo1a,{14!o3cm ercernro!nft oro3rm cDogo, n6ororiJl-a3" rooromiler3ggcrocm:onflaboc romgco(6)eo)c ggg cnogo cooBBjld o{!oromier3o cooomla3gg roaocd o6rrrilcr.lcor3ogoilo? ot ol un collo? ootsc(rro(DJo pca6rHos) (DJo p cnl ot o co3cm aco;ern$nfl cnlnnppo3oroioleomcroc omocor3ocoll 6DrmxoH5Gcoc rupo aco;ern$ccoafl nior:egcs' ocococo36' crrDJrooleo genecollolaeilg (l) pt Ascrudl cmrcrrnond, (ii) oonu5f ramogeiafl ogsoroeJler3oooooocond oonu6 ooogeoiro? (iii) emorcne-cnot, oocru6 (o6ororia3eoc ruraogallafr o41gcecoJ5rBgcoc) otoogrJlnfl og3oromlla3o ooonocAcrd oocrugaca o6crrilcr.rcor3ers go-]ca)c(/)Gocrcnogrild goJcorcuraocca Groaco(o oloJoDccoc (MAFllra.oogoJko? MAFllomocnlayo(.or cdilcDl uJ.]6 d do" 161a(u-r0r00 (DaocoJegl6rysc6cmJgg ffucaDJ(oaogdoJcnoj a3cmcnollgmrdalicoil goeneailafl co:ca3o)

b. pollnft .Jo6r61D aco;cor:dao" oJlro3olocoernmlle{o o)co(,coJ 6co6.motc/bcetJo MAFIL rcnogajicftGnrrto€ cacer61scq6oc6, curcoroq6oc6, GBcafldoca cnogmjlol o{]ecfuocA o4.;nrl'1ru6 mcovoloa)Jmn aco;onc6o3eto cr]oJ{'rnc(6)c cloota}occo, 6nlm_!o Sccoc rc.|oor roaoco3ac6,eocnr.Uoact, coogonoa oornflclgiocacacdorcococoJ 6 ccDJ(o)coJo p6rBcaldldosrmrog. (l) grpsrrudl (ii) cnuo.rm6^6nca, oocru6 (o4looeoia3eoc GraoBeoil(tfr o{Bo oogldlarer8ageoc oroogaiaflo€Joco$jlaJo ooonoc6nd ooo6 nflonca go.rcco.rccrJlaer3rmcroc raroogaid go:coccr5laocr0adlcorcoroccoc cooBeld Makash occot3gg oo6cmie{o psootsoJari clcm3c-o:arrncnfl ruocr]

Qscrudarrd poerreaia3o @c.t)6oJooi eco6rDo oroJoD crilcoroao.€tmo, cuco5ndl genecollniao3arooo&sJcfl DRc{rildlaoJa n4.;crnlot, 1o-to5omflao" aco6rnoc@r Gcrucrlmordilocfl ccrno rdmoga$1cfloonu6 go-tccorco:roroilcri rocaca cES4 (oJa eJsJ(oaca, curdla oroogeicd (glogcoiloo o3n.: lsooo;o6lcocc6mc aJooicraco:.

c. MAFIL roooioc@ gg.mo GcrDotm6r'Bgo m16rBddo" rooJnnroJo ola crilcrocolloo3.rn@Jo pTpscudlcollc0 o6ruroic4o3cmro3o olco6ndl nflcovulomfla3o pc os o-Loemmflolao3rm 6flcct{cocorlosolo1o1ofla$a3o crllolcruodgf 43oacenec6m". crrco6rrdl crflcororumfla3os polos oloeroruiiaiao3cm5nlcel)to6sos o-:o1oloflago rocsgo MAFIL a3o romfla3gg mJcarocco)coJo cnloflo..t3dqgcrt3occorcicgl"ai crJlorforo, 1o:olo-oeflgflao3rm3erre" 6Jscoc6) orco6rrd cdlcovn-ro, goJlos o:oarmflolao3rm6nr3aDJ0regJos oto1o1oflaca no.rnlc!, (0369;0 MAFIL go <ooa'1a3gg gsruslorSosr6ocrJcroceoJeglroocoj rsrddlcrunccoocem:. p"c o-rdlo1ofleca t ecoro MAFIL m" m:cmrorojle,acor'lro;corocor criloEl <oco,cdao"emrcumeuno0 mafl a,c16 a,floi1g.

17. rnogololoocoooocrug romogeilo? cmtcr:moecB go-tcorccr5loo3rmoi roraogallcd o3o3n-jccorccClaogcmoi nuoeumJl4y",p"c pscrud <ocea,ch aoneJ}ao3.rnotdrso, oraogaird rocnd o4;oroaia3o oo1otcrucrflovc6,oJcocre'l6ocA n6nrjloJ e.to o€Jl6oJ6 ngnril oJ g6nsocolcnfl (ocercA, MAFIL, crooll orflcraonlellGnolgad, cacen01scq6oc6, egcellao36, aco-o1m;6ac6, cr_lcoroq6oc6, o6le0fuoc0,oJrm3o orcAf mgJa)AocA, ooetmtcf,m;aaca, oJcas"5rD6ocA o6crn1cl0oo" mogojoloocoomrda3acolo r6rooroo ffDooa,dlaoJacolJo ellonfl o-o1cru", ojan:3ari o4lmflororsooo3gg oormcnfl

GrooroJl(lft roooJm)ccrildocorD o€)flc odbcoroJagllnfl crilrm3o, mogeungllnfl crirm3o encaqnra,glrdcdcrn3o -cJ1ero3a$nfl nilrm3o cruooa,tilaoSoocm3o rocacO moooioo3rm3. MAFIL om mogoJoloocoomnflocc0 nflerrsc6 rsro(cnorjlao3am Grdorm)oonpilnfl, crflongos -oJleioJlnfl r6nr6roroo 6coJ66BEild

1o:oflcocoo ofl6aocmJo 6coJdb'B(A crrlorlcroilaocm3o, o-.lo6rtrD"o(D]docmJo MAFIL crironojlacoo3erni.

MAFIL rnsoro3rm to-rcrcoocl.lo{acarl rruooeolaoccd rrrcsd cruoooilaoJanolJo o&c0rolac6 orn:61doo]gcc0 cruoaoilaerSacor3o odgrmJ. pc oro6lfio cncgo:nflor;coororo cor3s6rm" oJnnco e6dlmsooJnn o43orooia3o o6coilo, oroa,vrft, mso:dlad o6micrrocorao3ciaf rcocilemocafr MAFILoraoi cdleonog crocJlcoJlaoccfr rnJcoocco 6gooreot msoro3cmrocerni. pc Asodl rcroclmtcnil4cagog|c 6! 6rru, e dl a nfl rdaoJrmorc em:.

18. mil€os(r)o; c! coetreloi gcrfleroJla3gg erucd)aoce) niotoraroicri o-r366moccolJo ccmcn3oterrflco;ocor oJlonroilnfl MAFIL rcmo5loc@

oJnnco orc65 orcas"emdoca, e":oacruc6nu6oc6, mlg3co,6ocd o6micl6 cd]coroo.]oocco)to;o

[o-]&soccoJs o]cocagacaJGcoc croco o{)flc cr:coerr4ago olGoce,soco) oA-c;cf,af elfrl olco6ndl,

6loJ (o-lcroJ6 gcgroomilm3gg o-016"cru", gsam:ncoracc/o cnlloroerncO rc6ro"dldoctordlooo? ogrniclpdogos, o6ycmcnfl pcroJlnfl octroo 6loJ6w, nflnftao;crr5)g, cdeoslc.dao3rrn3. crlcaocoac@c

o6yv3oicor oJoJomrcelc MAFIL o? crilcrn;o coorrnoroflcrflscollcfl adl-c;ecoc oomr61nfl crllcrn" adlo;calcGrgq0l golcGc/ococ ollcuococ gojos iotasocojl n-]oenrujlnjlaoJo lo-l6coo clcoendlcorcco,l

e6rnaocsooHsJ.rrilg po ocrua,vcnlrd ol o eroro (ol&coo MAFIL og cm o.l r:orojl nft

" MAF lL"aco-o1cru6oc6, oloroq6oc6, e'lotmaoc6, oolcor0 eoocdru.l6oc6, r:434r&/oc6,

ooercruc6au6oc6, mea"cacenllscqOocO, roron-dleflctor6 o-oq amlcrtlad o6cnilcl6 Bc6ogs3cm3MAFIL, oocoo6'oJeJlo? cll4c6e.e3agos cionugd {6@o6IDrmJo co6gac6, pgg nflelcr.tcoo ooggc6CoJ6rBgo ooCnio,rcoilol o4]ocomiaJo osejlca,co oeu"ootcpeuaacacaoc rangcomco)c 2ggo€loocoJ oJcmco olcagf (oseJlcaccru" & cru6cor6ocd) crucaDJ(DaSo poHrmJo (Dcsdomrp$acao;cm3.ccrucrmeon16, oocru6 o6nrilolcoJos golccoccDoi rocegJos crularo o

olcru"asjleicoemrm" ocad lotasoccoJo cruoocotldoJrm3. oocruflcac pc@6om61rd oolcro3cr"flcac

maflaJ'lcollniaoScm oggccrllo gotcr:ooe'ond, oordlto-lccoreuoc6, Gcruolcnc6BcA, o.Loao3ac6, o6oJ'lcrloerBd o6cnflcr"tcot3os gn-tcotccooroilorf, a6ro;an, r 369ro oprrrllcl oJacolloscoroenecoi

tr'rcesos Acoroocrcrileopcemi. cmtcr:meosr6 roscgolgcomrocoamccmc oorgaglgcontroc6'mccrnc?ocrea"oonu6loa rosoco3ac6 molcorcaoogs3ooennc pgg pog emancO mo?a3rrn1g.

Gm)orm5rBgo oocruB', oocrS(ooo o!c8o{o, oJ}olo5oBri, agrmco o-]c6$ cnr.lcooi3'ocr.rol6, ooo-oocfr$d

oocrugacD, cmrclmonc0 romogainfl cm)cL.lrn66Bgo oom)Ro cl{l omergaid csroolccocosc$o

etre;ocodlco ccrucn-o"6"oocor6, n-OantloJ "omccoodl"co.r3o "eJGJocaJnn@JGlcoa"co.:3o "n61gc

roeocoJacgcsJo" a3dlo2o colcorocoJ ocoerr4co;c cocorocoJ o:ooro1a3o3gg, lolo;a,lotuila3ggm3oJlgl6eloggccoc oroor cr:ccrir:lcmduBGgc go8coro mrdaogs3o. MAFIL, oroolocrt o3rmco o:c6$crJlanoemaoc6 ooam:c6o16oc6, olc6s'ern6ocO ognrtlcLlA o-Dc6c, Gm)o.JCneonc6, oom:gac6onogeJln0 ooonoc6crd oocruga,cd o6cnilcrcoflo? raraogairo? pcrt cl91 etdlaogcrn ruc6c MAFILc cruc ol-6"o cr.r co-r6, o-ooco"os mJec6, ac6ororJla3o oJol oeur:c0 nO arrjl oi osqo'lgcoorol]ooor63o$gcorocolJo oocLJocruJeSo osJcBcos6oocar "elsasrnglgcorocor3o mafia3nri1g.GCrua:Jm5'6rJ6, ooffD8". o{]o(DeJla3o ooo-oon?cru" oocru63aca o4; rrrfl cr.l orSos 9o-lG(o)c(/)o,goic(0)c(/)onejo nocn (x mroerucruJl " rJ a#o;ro, aenilcraro, cr.lloopcru;ro, oo6ocmrejla;o o3emonc6

pcrrooaogcilgi MAFIL, orooflocrfl o3cmco aadl mgJol6ocA, ooelmlc6m:6oc6, o--tcds"on6ocd

nonr,lol o)cococoJ olcU)"cDgmcdBegc gocgc mo?a3crrflg. coco<i cm;clm6'dnd, oocru6",

o4]erroalla3o ooooocaffd oocrugaca nocnUcLr ctulcroo ojlec!-1lmcuJla,coc!3o cicru'ao3o (ol6coognjcorccr5lao3aogo ojlcr.loernca, oo5ilo1oo3ec6, crlc6 oonrio o-r.:tena caco.tj o-dqla(olJo /co6"cr$ oir g4amrgo o6 aco;en:d o-otg4aa)3o o-oJqlJcmJo6necm" rocad omc$lacaoJe@Joc.omoilao3aco.r3o 6-o-iEUrmJ. (Dcssos ffulrdrdilrnJ6'flece]rrn o{JorocoJ (d)oo coeoccJlmJo (acrug56milp.;cr.:3o ollloocrcrugo gdogos), porooo o.JJcB ru;"centcacrui o-oJglJrmorlegos croogdld

gdrco)-csjldoecmoilarS0s croSrm alc6c mco .o.rrrc,Jsl rocac,a oc1oloco.iloldoJo g6yoocLrcrjr.6o)66B0ado" G.!6n81 cocd)coooJ cr.flcuonlla3ogggcrcoerrd mrdacoa **r,a *o".oorJ. oonndalsg,ry6r,.? l0rapcormaca 0rcsc6 cJr,olmlrao3amaoo30r". p"c ascrudr o6ccorcnfl ..ria3" g.c aGmi&nilacriko?ao3o. rocr,dao" oocruSpoJecorcurdocca agorcoro,o3o3aog6[sc6Jm m)coo_oroJ oJoooao,o.]o'lenJlcaro-oero oueJoJ6lBc6Jnn, .Jeocarsocco oraoco3ac6Jo-" 1 Lc,em"g", ennmlmcpl o,scp",c(orc(oco rcmogriaB ojlc! orurgd TngoHscfl GotcerJoJggo.roJcAJgos,

"61o}r"ccO $coroe1rrocr-rojlafl raroseurjlcoJldlaocororoso gc6ogoE) gororocr.rccilcorccorol"elg "

1 9. gsofiUOccua,ccroo ; gsocuocOJdrcsoo fiuo6yu(Ltil4g Omcue,ccoeun<6

MAFIL a3scoor/ cmogaiafl o3cmco aadl ooeimrcflmrdococsrn' cm)clm6dBgoscor3o oono6ilocflpsoago rcnor 1o-rcr6omlgfldoJ.rntuoJo. MAFIL mda3rm oJlovlafl peaeonnu3ati t r.nm1oljloonur6, aoomrcaogc6, ojlcroonc6, gro.lsa caccu.r', cmrc.l-nd **.'ou3"

"oir"*q **r*jo

nnsaoo), pgcmoncO, cnucol6"ocr.lolo3ad, cmtotmroncB, corcrmango" oo6gc oerse66Bgooom)Bo .omil? pao5c6 cacgf ooo6-, clsn-r,i oo1n"ucg, c"-l6nf,, c1scu.r"o.dJo nitor.eunca,GnclDsoc[o3 aer6oclc6ovm3ac6, eacotaoc<ol oonBc en]lcar-tta, gsocmoc<r.lacca rnllco-roorsca,eucoaocco cilco;oe'dnri og;rrrflcl (.'l6coo cruooadldoogsflolaoJo. MAFIL m3o rocac6ao3o1scoiin6oonu6ila3pg o61gc oo6ilolcora36go GtscrD" ocadoeaso-.rDaoJlmi oc6ao3afuo c(scu)" ,Jr*gooocnicroorgco MAFIL ocrfl eJsoo,, i oraogellafl o3cmco oa l ooerauc6rru6oc6 7 augJor6oi6og;nrilclro3oscrolororcern". MIFIL crolocrlc ocBocoeoia;o oecmco aadlcorgos .,.La6gcr:accoo,cor6nfl,^ctso-r"ocaqo o-mogoitnfl asom)ncc!6oco o3rmcncolg

"orrrflo .dClq o3..r'6roiler3ggoioaogaiafl roroseor{loJlol}ao3rmrif onogminfr cmrormru.mfler3o-s aaao3rmo ,frl;)o " ,-g.*..oeon^cer cflgf aocc.Dc ocBccmc

-,cra,o1ao3rm roog rm" cocac0 au oo co.i1ao3rm3 1o:asoccoll

oroullocoogs3nrocorD o-r6:so, oo6lolcorer3agos orflm, ooacrur6ml, crlrooemt, c,oc6f oorgn0,erergcrc6ii ruo3omtaft, oo.]cro3 to:r:6cromo rnsr6rDc0, [toclua*emo o_atgcd, -"d# o-frat,oc6eonco cr.ro3oord. nucoo-c-:o;anc6aom3crunigi c4ro;ccruonc6 cr_ro;orocca og,mjcm csce1a66cnsorord, oromola6roocco.r goJco)c(,oloil€el6ogsafi nocrrilo.l

- cnsoro3r6roogrm- ocsd

cruoo olao3rm;.

20. ooujla cn'loam,trma,go cr{cumna,go

a. MAFIL onfl o6ooreier3o ecruormor,ila3os oo3 oaqcfr oogpcenJlov"oocf,lafr crilrm3o rocacamrccumoncO, ccruco-06'oclo16, o63ororJ1a3o oroordia3gg ccrucr"rmeur:d ,ii..nt., ccns3ccrucc6,.,csgo o6o2ofr ooggcenJlov"oocfuo roaoia3gg gs.,dlcoilnfl ao3 o.rc6$

-ong o6rrn'- corcaca

ocng$acao3aaor3o nDmoreo36aoJo o-o-rq.iJffnJ. oonugoccoJl 6l}]mxog5 naArL n6oorm;te4.oJoml*'cooG.,c o6-c;cf,lcmccorc ,o30,:c6co orrqJslg cocaca g,icorccrnaoSrm o64cfl.o6gceglnl"oocfr Gcruolcno crjlolasilaoccfl MAFIL m" co)oorocoJ enlcr:r-5rocor3o1g. cr.rcoendloc6coogaio? <n^;coendlad o6mio.rcor3c6oggs (ptu oc(oro&; cacfo1scq|il3 *i{H -.3.- n46.asgcs3ar6ao30 06a1cfl o6g1.;c enl or"oa cQ oclrooccoflo'16o,30- g(orDoorca.

- oa.jcfl

o6ygl.pegf ov"oorfuocoll cro]rm o43oorio3o roaaoeoBca ra,oogeinfl oocolLca, agooSo oa!c!'o6g]cqglou-oocfuo rom'lif, cmo15i oflacaoenero'. MAKash ruco6 g*rcorcc,olg

"-rac4nu" oorggH

mrcr.umonc6 a,Jsco{o/ Groloo]c em)olmeuBcA oganjloiarrd <r:o3rm cn-tcoccolbac6 gorooclcr5co,c6nlceDJm)oeoc t0toerecmtoo$rm" o-r;arooceolcojlaggrocern". erlo_rccocovrncfr cp1o1m3a1glo?ae;ocaeicollggg mrctrmeosd 6Jsco(n.)/ Gramorc Gm)crcDoncaao3o r.rca,rr;(Dcoi,to .l*agga$lcr:caonfl eaccuaocern". o6oroeJlo3o mrccumeor:U1 eJsco{o 1 oroogeiot cmrcr]m6.undcrcongrmojlcn] o3mrcoll o3erncrilon.lcoo, cogo_f ro3ssur:1coro.r ocml-ca nuloro cmcaeil(Dilo,'locc65necocoemrm"roociojlgf niao3rrn3 .

b. aggo6, om6ccol) o43ommila3o oaoJcfr' o6lgpcegflov"oorifllcri lsco?nu"oa6 o_cJqJ a]6mo, (orco(DcoJ

6Jo6mort.ace{o MAFI L, ag;}o6atioflol4gelacs;ao3rm<og.

c. MAFIL oo.DFiloa cro6o.d - orcA€| oocrugleolaolgg oclenr"ela", clo oot6'ilhllolmJggco3o.]c6oocor53. Gnorooo ocrea" eila3aca go-jcco)ccr5lao3errucc6, rocmca 5]ccoc ooleru" ellejlocflo3ocrilenLm.umac6aogo o.lo..r cruna(i6oJo oflecucomcollniao3o.

d. o6ocmeia3o oaaoo3enaca3aorcoernrjlafl MAKash clco6let3os msffn psoJcsJagosromcroiloocco orogilcr.rccoll crfl a cnlnftao3cmoi MAF lL coor.rari rorg:cofldlao3o.

e. MAFIL, o6yXc ap.;od ann8enflcaoovm3o SMS aJscoco / croogs{lo? p-oocofkoi clSlcrocorEgcmcocern" oocoo6Do? eoncera o:cgco6o3os oraoo? ocruello-]ciaoccoll cruoOgf doogs SMS

, cocac-dao" er rdl " reorr.lrrn"ao3roJonoc6ni.

f. lscoiauca,gmrifr nuccnroeoncb gcAoHos MAFIL cn cdcm3o o46c aeo6oqo? ffDc(Boo6dBgo

ardlao3rmoS'lnirocacd m;mroo mcda3cm3.

21. m16rucrDmd,glos eenvroil, rgcg coocoo

a. rn'len]mrma,c6, oonu6 cr?oB 8"'l(.0? qJcB Go-ocoo / om8 crAao" o€) nril or rrulcroo

oJlccr.r-olcncuJlacooruliafl ogyo3nuo(oooJo oc6cmJo GeGCDc6i1 orro3orocmJo o{rolJccruogsJorDcm3o

o3$c-ol6aocm3o oroorcruccrilklaoomJoJgg r6root&o(oo MAFIL m3ene". cn'locrorooccor rocegosooau$ oroLocrrc gSc8"co!coo / om6'cr6ao"go".rerolc(ro, (61016,ooo o0866'Bc/i o.)cB,ca caosrerilao3nn3oonn(osorl e6rnaocdooHsJo. og]8o..Uo o.l3o1lcor ccl6ovm3octoll rocaca oldl-oJa)oHSJffDJoocmJoHceocmccoll psEisEl prc cr.Uclcrunaca ocsri cmcaoemoocm"got+o.loJoro36.

b. eucrlaoccor ro'ou51aco1acO/ oocn3eac6v"crd oroJoroJon (croeJcroo mcoeonri, nilcooe'onc6,

etotn3caovrn3a,c6, craJg3ari og;r-ni1orolloa oc6ernri oJero o{](oJcruo(o)oroJo ol(66JaorocioJlgflgcerro roocm MAKash cr:ca5 . crumio"-rr6cr-u- oo.rgccmc os6o1cm6 oorqccmc creocoofl

cr.ro3oro3crccmc MAF I L mca3o.

c. prc rn1erum.r:mog!a3o cr-:;clmno$a3o eo:cshd cu o3orocmc 1o:oo1oo3rm crer:coroflarirurdoocfioaa!"oo(flmt" c.,-ocoo otul o6v3ol1 roroclco.llaoSaco.r3o omoi MAFIL crulonflaoSacorSo

oorqii$ogrid luceaa;n.mllafl cxoJcmrog. p"c cgcmllmS a3{laft cr-ro3nro3cm ereoooflac0 gtcrierumlmaca, cr;crmoari pcrjcor3os recooccoJl aemeocdoogsJa(o)so o{]o(?'sjlelo ooomia3ggooruoJaDJo moreoJlao3rm o.la,go rdraoo(Acu"oor0o"d eo-ocoo nielcrllaflao3acor3o orlgBo. prc

cnleomr.rmag]o orJomDaglo acaacaeungilafl RBI poaoSrm cJl4"610 c oJ cn 6613 cA /ocdr4cril6c grneur:dao" oJlcu,rcoroccoll aiao3o.

22. cD:lco,o JcelmoRBI crfldcqooong!oa poslgcr.rc6ad rarorfr acgcoorc6 acn-o' 1"Jl-oo-rcor"ru-:' co-tco;:oacfr prdlrrg3oocfrad

pc6 pcmJ (cilau6cl'erucs) cnl6cgooerac0, 2oog (ecacecaeun$cfl areeo:ojl oriqlroJoa3$c-q6aooggor3o) co" oJcu.rcoroccolloloo3o MAKash n.lca6:. cicu.rooJouc6, olco-rco-r'oorfr

OoJccoccllo o6rrrtol ffl)o5omdl+i poaoJrrn RBI cril6cgcraorc6oo" crJleutcotcr.tsoctoilnioo;o.'erucoaocco, rnlco.roo, oocn3caovca onogminfl ocargn Ocqco66Bcb oocnflcl rocs0a elo"€JlaoJrm

.otanuo MAFIL cri gorooclcrSlroleoc 6 ca%coccorc. peireccoflolaeflg. RBI accnocaeon$cftn-t3oruroioeo3rm rdlaoclcdlagccor cr":;aoI1a'gos / crDodelsma:gos cruoatilql o.l$aollaft rocmlgos

cn-.lrdcr.ro3nrilo;3rm'rocad potlcncnft pcrpcoJlao3cm3

23. fiDJ6,coJ(6)

RBt cnote,Jam crua$o-o1ao6i eico-o' acroooocmrogcttloeJ cl;cr:mroad, RBI crJlernnco:mernd/

cril6cquaond n6.rrJl.r*lJ oJlctlcoroccoll5ccolla5lao3o rapooot oJlcrllocororol)oc@ m).lecoJro. MAKash

clcafoa crL;otcruoar,a otceJlaocmcoll o6]oroalo3o niloron-.tooccocotc rsroJucoYDcroc Groal

rcra o1ilcO 6 aei rocmrog 0Io6nJcmrg ojloi o6TrscA ocr:$ogs3coroorclcr.loJoorm' rocmcB

cruaoo5lao3rm3.

24. (Urg(l)cA, oJc(6 rfigu)col(o KYC lo.rcocern;o/ rooocrrlercoo

1. RBI oocn3caovm3agld crilov"ooao{laf niao3o oJltlo KYC orqcr r.o;eue caao" pn-l co.rccrjlaocmccoil

"o**qo)ri)r1dl*o"- acrocfllcaonvco go-rccorc<rll4", amcruo6luc otoocco ojlcriroeorscA or3enflao"

ooglcucfrln-olcaoovrft c,aecoccilfl acnri pcro6 (UlDAl) orcfl crirm' ccnalolao3cm3. emrcc6 o0ocfl

cruooroo MAFIL cripollmccft mola3nnJ. 4cnm)o6xJcoJoocco-r olcloern$ot co.lo", DOB, elooo, Go(fl

crJlercm:o, cn-occgclocnri n6nrtc! pc6ogs3rm3 aggaolos go-lccorcoOnilcncofl aco ru..rc6

gntcorcuil4i cacenacqi cnmto3o p-oooi1nfl lD cor3o gchogoso3gg crucrudao oJlcr"loeoBcA cmril,

MAFIL PPI clca6 gerecaocc6 aurcc6 MAFIL om orom3cldlao3rm3

2. RBI oocr:3cetotcrikd crlov"a6od4f nildo]rm(6)J loracoo KYC orocuoa;orac,aao3oJc(arcsraocca

crlor:gos PAN o,lcr:oen:c6 clceun3clcm3o rsmrri o-trdlco?curaocmJo crr5uBd paormccd MAFIL m"

oromSclcr:o mnfta3cm3.

3. MAFIL PPI clcafrlcriroracotadldocmJgg GcocoJco emsccnccofl, rocs5ca 18 crlcorq$m3 o3agla3ggro3o

pcro6col)rd orcocoo3ggro3o prmScd corololocnuo3ggro]occor crr;aoloccollolaoerno.

+. n63ootr;lo3o omacoJm)acoJmomikd o6oroaieSo (6lador6rrB" (u)Joaocmccoil OTP rorococrolro"r roraoca

(e-KYC)orolcooccum oce,d guecorccr5lgfl$ogrm"poilmcrd rocad gog4mcda;rm3'

b. UIDAI rsro<lcnjko OTP coilet3oscorceni ocgena o-ljqlocomird roooi ao3 eKYC rsmaoteneccoil

otniokorocaOogs3o. poflnfi 1 elerao o3o.jcoflaujlao (oDoBa51d m)oorom)ocofdBdlo? RBI

crilogc"6Ao.dlaolo-to-laoroo to3soa6o"o1aoIl6 erl.lcac0adpeneccollolaooSto'.

6. crlcsasos oggcljosJonD MAFIL c,acd crum6ool4i rcOu-rc6 /UlDAl SMS OTP orgu-lcnilrrl eKYC

*roi'.*" .jiicm rz ocnuomilrn3gglco? tocergos en.Lco;cooldlao' oJlcloeur:ti mrdaioaocene"

mcad romgos o-t36epoccor KYC ol3domllaolaocoarm"maaol)ao3rm3.

7. 12 occruGlTilmJEElrtfi ogv3clca KYC co-r3o o]36orolordlaocc6 ol6coro "la,so, MAFIL, mcs'Jgos

rcroao,rern" c6cnd o-c.Lg4oorm" crieond crucooi'lao;cm3. KYC o-l36epoccolJo,oJ9do]mc66ror croosco

coc55cbado-oerre'oJotclelaocc6 i psnlcs3a,c6aoccoJl roroao"cene" gn-lccorccrllaocci o-JRaarJBg

8. Gmdo.c6rB- o-t3aepoccor3o oooJ)gflaooggcrfl oroorooo -ocuegcml)6gogos

l.Jlotmllg[]4fl (d)Ja(o)Jo

readg2dt4 -i"iiri.3" lgoererJlo?) roc-m"caao- o3v3orcd co.r3o "-t36n,ollaolqoim3

cc,a"vco elrdlao3

.16){-rn aooJo cocsc6 cruoaoflao3cm3.

9. (oa r6-rD o o oo ao"c ene' MAFIL orfl a6rotracoi nu"1a351m1ao3o m',lo"lao em oroT m3o

oJlccucorocco|n5laogoorm3o MAFIL cri nu.pmro oJlccrl-lmcuJlaco[ol&coo roraolooo Gro6o,r6rEJ€.(A

o-j36e6goccor3o oocilg1ao3cm3/ ocuail6 ooc)]lglaocc6 / cgcrru" o-o-Lqccfr

"-r36e6gc<.rJlacoo3oeirecrnSo <ocar.O amrffl acao3rm3

f O. otcmca ogoroeia3o acoerncr.tcacro? o-136qgoccor KYC maftacca olocBorogscd Goari}oarra"cgcad

o-g.-3gg oro<dlacoo MAFIL rn3oenamieto GoorDoo <rucnoolo;angllcd RBI rno)r-oBda

eoccuaocoioloo3oonDJo cocecA omg$elceo3a,corSo mooGjlaoJac04o oelgBcrnJ'

11: (oos,$os acer6- cenlcdnrJlotri 3r-liailco oj3aegocoilogoi(.d roc8)caaei MAFIL mdo3rm

cm>cll coereri cro ooyJl ao cmcai63.

12. MAFIL cri paatlscerd)ao" o3oto-rdtl(?fl adlaogcm "66i7 o6an' olcuo6rB$g, orgcroco.tollnllao,)5'dngo

oJlcn r:coc,o#: go ojlcrolcmonjloer sJdoco o nnJo Gmorooo oroc/o@ojlcril o @o-orac6, oJlclo6uncb'

oJloo6cocoond o6lcni1il njlo.ron-tooccofl ' rocariao" 6rrtcoaococmrrnJo ocm:ri poflmcd

1o:npcoJlao3acor3o po*sm(tfleJo(o)Jo orl glJrmJ.

oflogoccnlaop nn'lo3ocmo, rnrerolla3gg nJroroanc6 (o-r6coo ronorilocrgo po3aa,riia,gos@Bo con6m'l am1 nfl ao3rm,,Jo .nro.,r or 603o. ro1 o3o c cno, elorc ,,Jo c., o,6Joi cais co'1 o1 agomsgf ocaoccr.r3rmrocern".

28. oo-JcoJcuc(oroJ

oadlac6, mlrolno cacen lscq6ococem" pr o{otmn6c6 otoeroruflolao3.ro 5.l.rnJo (DoffDo€la0?o1r, orilcckd 6rr..rcruJo, lmcoooornu6 - 1n-ocooerormfleu*ro, *3gcrro-.oreo, o_.r-6,,c$oroono.n ot genecaoJrmroccoil a6meoJaooHs3nrilB. p, cl;cr.imoac6, p.c uoorm crflnso]ooroauoeacnrllqi roceso 6To66Bso roaola3gg oJv3clcri gscrudloco.rcor3o p<6oaocagrm3 poilm3 o3cru3oprccojlosco.rccor3o po3aa,slac0ao3o pscollaf, ggg cr.rco"oocglco,ccco,c crooac66rr*r[*o oj;c0;"nuoalcrulgi pscrudla,ca, cr.rcoernaci .Onric,J$l ogagilaccoll nlnflaoJsorJo 6)_oJgll.mJ. p.unilerum.umoiloa og3oroalelSo cLi;clmrnaca msgfacaoccB o-JgcoyocrdD .rn..uJcojc .,gcorlrucmce.to cnleumrrmcojloa o6i cl:;clmoac6 .46emocor3o 1o:ceaa;roruJla3eneca3o. MAKash ocf,o4;v3o! togcocaellco cru@cto eldldocoo ocasc6aei nJlenlmr.rma<,0 rsndlcqrdgf aoccrnc 66c5ogosesgcs3ec6 ognflgfaocemc roloailg og3co&o.lcu;rrmlcofloocor3o pr nilerum.lmEgoccoit enrmlo3ggnllaoflaSgg aa,{I, crflaoJlellgcoro aad)cojln6 ml.rnJo rararoJ cruoearuJt4 .;.,or6cco, elod

"o1o!]ojlacl:", ojlooerno o-cJq o_l6rno no.rrj'loi oJloenesgaocca rooaooocein.

29. ogcuacoilo,@ cenrccrilgpaocm3gg clcoo'lmr6

nncriao" adlao3rm ccrucr:rnomlko? ro;qonologojlnfl raraogaJlnfl o6lgcd/ gBcon'ocoll psoo-rs3crucc6GrDcXoJOS oCmcrcccrrI'rdr(fl co-tcoccor"oad acsm3cmrcd noogeJld o..rcs)'anrcmo o-o.tql cm)olmcrflacr.lcocr.t3o MAFIL mo?a3rm co)roc6co'ro cm:cr:m rnlletcr.tcoclJo (Daold oJlscr.t3ad acem3cm.]ccacorocfl

^ o-tocoflac0 odle]6 o_a]gcmJgC ,c.mcl ac cro o3ene". prc m.)ooJlu-rcmo, &gl.)oo3os

olocollolol)oocoo, rL.loco5lad cac6aoccn3o orgcr.lacoilac0 cru;laailaoccn3occoil 16,-1cci:jao6colcrDoojl(l)cmo o-c.tqrocein".

a. o--rocofl adlo; psom MAFIL, orocraco5l ail$to-rroccoJl coorogsJorolae4o ro?cruc11co6moceo;cocru3a$cft o..rooccruil ecejo€r5oca) s opv"oao3ggllon Locojla,ca oroloooloocmcoJl1o-rcr6oromo orgoordlao3acor3o ootqqo.

b. o{ls3oro msordlac0, roooreJcco,laol o..:ollooolao3rmoiler3gg o-r3cocooil, orolo-r:olaocm3ggorcom:omilocf, acoerna'onc0 o6rrr5.lcr.roor cr:61 aggooo raacllollaoJaa{o o_ol guo.

c. p-,oooJkd cr:91 adlao3rm o-locoilad gsmdl, mllggo emco6" o_e..tglJrm loloflooerno 6rogalloloclcor3crnlro cr.r;ami'lcnor p-oocoflergaco o6micucor3os o3uoom, a.lgo<occoll roncicoJlaoogsgo.

d. onororoo o-Locoilsgos aco;oruird oosJ6ro Go-occgc rarog4ad p-oocoild o:$l og.;ooonrcicollao3o.

30. roociloilg[

nfl5.6r:tiao" cmc$mr3aca, p-oacoIlnfl cruccncoernc6, m)ccDco6m roolcnfl, oocru61et3gg cotcg$oo", o6mJc(orosco acdcAettzul norrrflor cno?ailcoraoco. poflo? o-.J o emrul olao3cm-1n]ac ooB c(0rocmc$cru3a,d MAFIL cri oaccllco-r6, ooogoird odlclago-riooollnfl ogl oemggoo cdlmc16mienol6ou"lV.l 470 (old) W638A (New),.oemq4oo or),crD-, clasc,.Jcs-, ro6oo36, caog - 680 567 o€)rmojlercooruilnfl oocorcaoeirerocem".

31. oilrucaord

13. tocsgos ooJoo6flcfl mcolA, oJloDcoJloroddBcd roooZceloscra criosl-aaosfJaer3cm [oJ6coo *(I)r99^t-' gorydlJ" crl]ooroo-Joocoor RBI

onuJracrdado,.rriloo3occolro-:ee,,-g..a.r*,anrir?i#-flff1:irJ.ffir.i'*ercdoJon

25. getd,'c(sc5ril6cl-rcrooo@oilm,laol6rBgJo gsoJcsl6,So

coc ov oacs3nrol rol ao3rm oo m-r$ Bo-t ccorccCl do.lcm rur,crlrm3o p-oocoloa -o *"g#.r';;;i#;$#'['"9:YgBt o-r-rgsrmolia3os, ercroragld*o o co, oi cn1 o o, u* oa, * q*n ea E a,

"ri.,.H ;:'SAi::r": "rffi;,:,ff;

.U*mscrdr,ccncaoJo .,cad rruoooflao)&r3 **g* *.*ootr l0racoo3pg p-oocoilnfl oJrercolnnfloil /oocooeuoi mmrcirnfi sgera'clscenilaci *oil'.,,.u,rnrr*rd roracorEsccrucc^ ro.oogm5ro? MAF,Loocru6rn0 paa,"clscen,aoa .,orurnLrJ.*,#,i'il;;- o-%*mrcri cocsc.ao" paatlscenirao"o@cooroJlcrflocoreund ardlgrocco! MAFIL aerna,ocatljrors,ooroJrcrfloco,oncaoocnirrcrE4ccLrr*;r;ff;;#;#ffi;A:g;rscarao" pso-Lcs3ad,

' .L'frflT,ru3fl:mlffi:** oorea", rooillcaoosurnSac. ogrrricuor3o m)coJclca) ,-ooco)rafib. ocac6ao" MAFIL occoil r

oroa&Gor,rooor"*ffi,H?ffi U;##ffi"HIH:;$f#,S*fl ffi:eoronc^aocem". roce,d.ruooroo oio?*"1"rgffi"^r-# ,3.r" p".,*"*1..&irr"..2l*..it d a,4o43oroaier3o roorororia3gp rumcicoirg-. t-.pr-,i,, ".,!j"g**%"*=ffir";'ffi;rfi,_.sc. cocmriao" p-oocorlnf, oJ]elcri_,o,Jroel *1.m

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