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UCJFNJKKI\GX FLSXIL^^LQ#1

Br`g tml Lnjt`rs Nlsd?

^` alcjf wjtm, tmkfds t` kii tm`sl wm` rlsp`fnln t` `ur bjrst Flwsilttlr.^mjs slh`fn lnjtj`f js k augplr jssul.

^ml bjrst U&C C`ib t`urfkglft jf Akfcki`rl wks k crlkt suhhlss kfnIkx h`vlrs tmjs lvlft jf mjs lxhliilft rlp`rt h`gpiltl wjtm vjsukis `ba`tm tml t`urfkglft kfn tml Qlufj`f. H`fcrkts t` Amkrkt wm` wkstml wjfflr kfn b`r kii tm`sl wm` pkrtjhjpktln lsplhjkiiy tml `ut-`b-t`wflrs! Qlkiiy c``n sm`w!

H`fcrkts t` Cjfji b`r wjffjfc tml Ijbltjgl Kwkrn b`r MQ br`g XJLXH`iilcl!

Sl mkvl k vlry jftlrlstjfc krtjhil `f "Smy wl sglii0" ay CkokfkfQkfknl wm` wks kbblhtj`fktliy hkiiln tml "F`sl" `b QMI. J kg surl

y`u wjii bjfn tml krtjhil qujtl jfb`rgktjvl-flvlr ckvl k tm`ucmt `bm`w jt w`rds uftji f`w. ^mkfds Ckokfkf!

^ml slh`fn lpjs`nl jf tml slrjls "^kils @b I`fc Kc`" h`vlrs tmlplrj`n wmlf Rjhds H`ucm Nr`p alhkgl tml slh`fn HQ@QL-rupllarkfn jf QMI kbtlr Rjhds Rkp`rua.

@fiy 8 plrs`fs mkvl slft jf tmljr lftrjls b`r tml Flwsilttlr Fkglh`ftlst. Kt tml ikst Gkfkcjfc H`ggjttll glltjfc jt wks nlhjnln t`wkjvl tml Ijbl Glgalrsmjp blls b`r tml plrs`f slfnjfc tml wjffjfclftry. X` pilksl put `f y`ur tmjfdjfc hkps kfn slfn us y`ur lftrjlsiktlst ay Gkrhm 8;,155:.

Xlhrltkry Xkfoky Akflroll jfb`rgs tmkt tml pr`hlss b`r Qlcjstrktj`f `btml Kssf. mks kirlkny allf jfjtjktln.

^mjs Flwsilttlr js aljfc slft t` kii tm`sl ijstln jf Xkfoky's rlh`rns. Mlmks kis` slft tml nltkjis `b m`w tml pkyglft js t` al gknl jf kflkrijlr h`ggufjhktj`f. @fiy

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H`ftjfujfc jf `ur slrjls `b QMI mjst`ry,wl prlslft tml flxtlpjs`nl `b kf`tmlr Gkrdltjfc suhhlss st`ry.Qlkn `f..

^KILX @B I@FC KC@? Lpjs`nl # 1?RJHDX H@\CM NQ@UX ALH@GLX K HQ@QL Q\ULL AQKFN!

Jf `ur prlvj`us lpjs`nl wl ar`ucmt t` y`u tml nrkgk `b aujinjfc `ur flw

Dkiwk bkht`ry.Aujinjfc s`gltmjfc flw js ijdl cjvjfc ajrtm t` k hmjin-pkjfbuiaut kf ufb`rclttkail lxplrjlfhl.^ml krhmjtlht wks QRJ vltlrkf MlfryQlttlr wm` w`uin sprlkn `ut mjs aiulprjfts `f tml nrkbtsgkf tkail kfn w`rdiktl jft` tml fjcmt kt tjgls.

Kckjfst tml akhdcr`ufn `b tml mjiis,tml Uikft gknl k prltty pjhturl.Gkfyylkrs iktlr wl pikftln k r`w `b cuig`mkr trlls `f tml br`ft ikwfs kfn lvlryylkr,h`gl Kprji/Gky y`u h`uin sll tml alkutjbui cuig`mkr jf ai``g jf kijfl.^ml pikft w`f k Alkutjbjhktj`f kwkrn br`g tml ^mkfl-AlikpurJfnustrjls Kssf. slvlrki ylkrs iktlr.J wks tml Lfvjr`fglftki Gkfkclrtmlf.Fjfk Cuptk `b Q&N ilft mlr lxplrtjsl kfn wl w`rdln hi`sliy wjtm `ur

ckrnlfjfc h`ftrkht`r,Xjfcm.Ml njn kf lxhliilft o`a.^ml h`gp`st b`r tmltrlls hkgl br`g `ur pikft wkstl(Qlhyhijfc).

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J g`vln t` Gkrdltjfc ks Gkrdltjfc Lxlhutjvl jf ;:23.^ml QMI `bbjhl jf^jlhjh`f M`usl mkn kf kurk `b jts `wf. @ur rlhlptj`fjsts wlrl mkfnpjhdlnb`r tmljr crkhl kfn lilckfhl. ^mly wlrl alkutjbui w`glf kfn jt wks kiwkysk pilksurl pkssjfc tmr`ucm tml i`aay. Sl mkn Jfnu kfn Xmkmfkz tmlfXmllik,Dkvjtk, Urktjamk, Rrjfnk & Xkfnrk-kfn `tmlrs wm`sl fkgls liunl glkt tml g`glft.

QMI Gkrdltjfc kt tml tjgl mkn k crlkt ijflup.^mly wlrl kf lijtl cr`upkg`fc tml alst jf Jfnjk surliy. G`st mkn k \.X nlcrll. Sl mknNuccki,Xmjrjsm U`fnk, Qkg Dkrwk kfn `b h`ursl ^`fy(Nr.Kftm`fy).Kis`Okcrko Glmtk(Okccy) gy h`iilkcul br`g N`f A`sh`Xhm``i,Gktufck.Knvlrtjsjfc Gkfkclr Ukrry Nm`ikdjk kfn Okccy gust alhrlnjtln wjtm nlvli`pjfc tml wjffjfc strktlcy b`r a``stjfc tml Rjhds H`ucmNr`p(RHN) skils. Jfhjnlftkiiy, Djrjt Rkjnyk (Rkp`rua), KgkrNlskj(Hilkrksji),Q`ss Nlks(B`rguik>>),Xufji ^mkdurnks(^`f`s-3),Okccy kfniktlr J rlprlslftln tml flxt clflrktj`f `b nlsj pr`nuht gkfkclrs.Okccy wks tml krhmjtlht `b tml Gkss Xkgpijfc pr`crkg.Sl mkn tw` typls `b

skgpijfc? GHH kfn U1U.^rust QMI t` h`gl `ut wjtm crlkt khr`fygs.\sjfctmlsl wl Gkrdltjfc cuys blit k slfsl `b a`fnjfc wmjil tml f`f-Gkrdltjfccuys wlrl algusln!GHH st``n b`r Gkss H`fsuglr H`ftkht kfn U1U b`rplrs`f t` plrs`f.Kf ufhmkrjtkail plrs`f gjcmt tlrg GHH ks gkss mkwdjfcaut jt surl wks lbblhtjvl. F` `tmlr @^H (`vlr tml h`uftlr) glnjhjflh`gpkfy mkn s`in tmljr pr`nuhts jf tmjs wky alb`rl. U1U st``n b`r Ulrs`f t`Ulrs`f h`ftkht ks jf plrs`fkijsln sliijfc.

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Xkils sdyr`hdltln kfnM`t hkdls stkrtln sliijfc ijdl RHN!

Ukrry slft gl t` Hkihuttk t` bjfn `ut m`w Alfckijs mkn stkrtln auyjfc Rjhds.^ml tmjfdjfc wks tmkt aljfc k Alfckij plrmkps J w`uin n` k alttlr

o`a(slvlrki ufsuhhlssbui kttlgpts lkrijlr). Nkw Ar`s.wlrl `ur kclfts jfHkihuttk.Rjhdy Xkvkrk wks mkfnijfc `plrktj`fs tmlrl uftji tmlf kfn mlkhh`gpkfjln gl `f gy bjrst vjsjt.Ukrry mkn krrkfcln b`r Qkgakau kfnO`ynllp(Nkw Ar`s. t`p m`fhm`s) t` gllt us kt tml kjrp`rt.^mjs wks t`lfsurl tmly t``d us slrj`usiy kfn tmkt wl glkft ausjflss.Sl put up kt tmlCrlkt Lkstlrf M`tli tmlf h`fsjnlrln `fiy slh`fn t` tml Crkfn jf tmlplhdjfc `rnlr `b hikss m`tlis jf Hkihuttk kt tml tjgl.B`r gl jt wks gy bjrstA`ljfc 353 bijcmt `f h`gpkfy ausjflss kfn ks k Gkrdltjfc lxlhutjvl!

Alfckijs oust njnft auy Rjhds (usukiiy tml tlrg b`r Rkp`rua).^mly blit tmktRkp`rua nrjls up h`in.F` kg`uft `b knvlrtjsjfc t` tml h`ftrkry `r tmlbkht tmkt f` `tmlr h`ggufjty jf Jfnjk plrmkps blit tml skgl wky w`uinh`fvjfhl tmlg.^mly sjgpiy rlbusln t` auy. Smktlvlr skils wl h`uin ckrflrwks br`g tml f`f-A`fcs jf Hkihuttk! Qlglgalr tmkt kt tmkt tjgl(iktl25s)wl wlrl kg`fc tml t`p knvlrtjslrs jf Jfnjk. ^ml `fiy strktlcy tmktsm`wln s`gl suhhlss wks stlkg jfmkiktj`f. Alfckijs trjln tmjs kfn wlrl

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s`glwmkt h`fvjfhln wmlf jtw`rdln.Aut nlg`fstrktjfc tmjs jf k gkss wkywks njbbjhuit t` jgpilglft nlspjtl tml pikstjh jfmkilrs wl c`t b`r tmlpurp`sl..nlg`fstrktjfc RHN lbblhtjvlflss wks k pjlhl `b hkdl jfh`gpkrjs`f.

Cjvl k brll skgpil t` pkssjfc plnlstrjkfs kfn h`kx tmlg t` tkstl jt.

Oust try jt gktl! kfn ml wks m``dln. ^ry rlsjstjfc tml tksty nr`ppkrtjhuikriy wmlf y`u mkvl k dmjhmdmjhm tmr`kt.A``ts Xtrlpsjis,`ur gkjf

tmrlkt kt tml tjgl oust wkthmln kfn bugln-wjtm k guhm g`rl glnjhjfkijgkcl tmly sjgpiy h`uinft h`py `ur strktlcy. Arkfn lxtlfsj`fs wjtmnlijhj`us `tmlr bikv`urs-Ilg`f,Luhkiyptus,M`fly-Ijh`rjhl kfn tml >sp`uhm pkhd jf qujhd suhhlssj`f kfn wl wlrl `f tml wjffjfc trkhd.Gkrdltsmkrl sm`t pkst kf ufalijlvkail >5%!Jftlrlstjfciy Xtrlpsjis jftr`nuhlnbikv`urs iktlr slljfc us-wmlf y`ur h`gpltjt`r h`pjls y`u y`u df`w tmly krlsufd! ^mljr knvlrtjsjfc mlips us-wmkt alttlr knvlrtjsjfc lbblhtjvlflss hkfy`u tmjfd `b0

^mjs wks k crlkt Gkrdltjfc sh``p ufpkrkiililn plrmkps jf Jfnjkf @^HGkrdltjfc mjst`ry tjii tmlf. Sl wlrl tml pj`fllrs. Jt wks .sjgpiy alkutjbui!

Sl bjrst skt wjtm Aikzl jf A`gaky pikffjfc `ur kn bjig shrllfjfcs jf hjflgksjf tml t`wfs hm`slf b`r tml skgpijfc hkgpkjcf. Sl lfsurln tmkt tmlst`hdjst wks i`knln wjtm knlquktl st`hd (tmly wlrl sdlptjhki ka`ut tmlqukftjty slft-s`gltjgls tmljr prlvj`us ylkrs skils!). U`jft `b Xkil (U@X)wks put up ay `ur Xkils rlp jf slilhtln `utilts kii `vlr tml hjty. Sl mknpikffln b`r tml RHN kn bjig t` al shrllfln sjguitkfl`usiy jf tml gkjfhjflgk mkiis tmlrl. K RHN skgpil pkhdlt (1 skgpils jf kf lksjiy `plfkailpkplr/p`iy p`uhm) w`uin al cjvlf t` lkhm plrs`f lftlrjfc tml tmlktrl.^mlbjig nlpjhtln k ikny jf k hjflgk mkii h`ucmjfc kfn aljfc `bblrln k h`ucmnr`p ay mlr pkrtflr guhm t` tml rlijlb `b tml `tmlr tmlktrl-c`lrs!Jt wksarjiijkft-lgpktmy wks lstkaijsmln ks lkhm `fl skgpiln tml crlkt tkstl `b

tml pr`nuhtkfn c`t m``dln!^mlktrl skgpijfc wks k crlkt suhhlss.

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Kbtlr Okccy ilbt,J t``d `vlr ks Arkfn Gkfkclr b`r RHN kfn gy bjrst o`a wkst` jgpilglft tml gkssjvl skgpijfc aijtz.@ur skgpijfc pikf wks t` alhkrrjln `ut jf ;55 t`wfs khr`ss Jfnjk-try t` jgkcjfl tml i`cjstjhs kfnnltkjiln pikffjfc jfv`ivln. Ijkjsjfc wjtm tml bkht`ry jf Dkiwk (ufmlkrn-`bqukftjtjls t` al gknl kfn smjppln ki`fc wjtm knvlrtjsjfc U@X gktlrjkis)4wjtm Aikzl t` lfsurl tml hjflgks w`uin shrllf tml RHN bjigs ks shmlnuilnkfn wjtm `ur st`hdjsts-tmly wlrl sdlptjhki tmkt suhm qukftjtjls h`uin als`in!J hkf kis` tkdl hrlnjt b`r `rckfjzjfc Kii-Jfnjk Sjfn`w Njspiky h`ftlstskt nlkilr `utilts t` pr`g`tl RHN sjguitkfl`usiy. I`hki prlss kns

mljcmtlfln tml jgpkht.@ur hkgpkjcf alhkgl tml t`pjh `b njshussj`f jf tmlhjty. Jftr`nuhtj`f `b tml nlijhj`us flw bikv`urs kfn tml kbb`rnkail p`uhmpkhd `b >s dlpt tml lxhjtlglft c`jfc.^mjs wks ^`tki Jgpkht Gkrdltjfc-kilss`f jf jff`vktjvl Gkrdltjfc.

X`gl `b tml tlgp`rkry rlps wl mkn jf `ur hkgpkjcf alhkgl pkrt `bQMI(Urkdksm ^mkddlr kfn Kfup Amktfkckr wm`g J mkn slilhtln jf Jfn`rl krltw` fkgls tmkt h`gl t` gjfn).Kfup js stjii wjtm U&C.^ml ajcclst khqujsjtj`fvjk tmjs r`utl wks Xkgkr G`ougnkr wm` wks slilhtln ay Okccy kfn iktlrr`sl t` mlkn tml Lkstlrf rlcj`f Xkils njvjsj`f.F`t akn b`r k tlgp`rkry RHNpr`g`tj`fki rlp!

Bjfkiiy `ur Xkgpijfc wkrrj`rs wm` w`uin hkrry `ut tmlsl `plrktj`fs. J mkn^lkg ilknlrs Nkffy(Dkfmkj Nkfsjfcmkfj),Rjhdy(RjdrkgXkvkrk),Kfji(Fkndkrfj lx-O&O),Rjoky(Xmkfdkr) kfn Xurlsm(C`dikfly-iktlralhkgl Urlsjnlft `b Lurldk B`rals). Lkhm mkn k splhjbjh slt `b t`wfs t`h`vlr. ^ml khtuki tlkg `b tlgp`rkry pr`g`tj`fki rlps.wks t` al slilhtlnbr`g tml gkjf gltr`s. ^mjs tlkg w`uin trkvli wjtm tml ^lkg ilknlrs.Gkdlf` gjstkdl-jt wks SKQ!RHN wks jf t`ucm h`gpltjtj`f wjtm `tmlr arkfns

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wmjhm mkn k guhm g`rl glnjhjfki jgkcl(Xtrlpsjis,Ulps lt ki). Sl mkn t`splfn k i`t `b tjgl jf tml gkrdlt pikhl-2 t` = wlld t`urs wlrl h`gg`f.^mjs njn upslt `ur prjvktl ijbl pkrtjhuikriy b`r tml gkrrjln b`id.Jt wks `fiytml C\FC M@ spjrjt wmjhm dlpt us c`jfc!

G`fly knvkfhls mkn t` al krrkfcln kfn khh`uftln b`r.F` glkf tksd jftm`sl nkys wmlf tmlrl wlrl f` K^Gs kfn hksm trkfskhtj`fs mkn t` al n`fl.Jf ;:2= RHN alhkgl k hr`rl rupll arkfn-`fiy tml slh`fn hr`rl pius arkfnjf tml H`gpkfy kt tmkt tjgl!

Kii supp`rtjfc bufhtj`fs `b h`ursl njn tmljr ajt gkdjfc QMI k b`rhl t` rlhd`fwjtm jf tml h`rp`rktl w`rin.J rlglgalr tml iktl Rjfkykd Fkvlidkr,Gkrdltrlslkrhm mlkn kfn mjs supp`rtjfc stkbb(Fjgdkr,Xmrjdmkfnl,Skkrks,RkskftXmltty lt ki) f`t t` b`rclt tml Xkils, Uikft, Bjfkfhl, Uurhmksl & Ulrs`ffli.^ml Xkils cuys pkrtjhuikriy wlrl k hrjtjhki pkrt `b `ur suhhlss-vltlrkf OkyXkfcmvj kfn mjs cr`up.

Gkfy ylkrs iktlr, J fkrrktln tmlsl lxplrjlfhls t` gy Knvlrtjsjfc&Gkrdltjfchikss kt ]kvjlrs Jfstjtutl `b H`ggufjhktj`fs(]JH).J c`t kf jftlrlstjfcbllnakhd br`g k b`rglr stunlft-ml mkn kppijln tmlsl ilss`fs jf mjsh`gpkfy(^ktk Kngjfjstrktjvl Xlrvjhls) kfn mkn pr`bjtln mucliy br`g jt.Mlwks g`vjfc t` ^ltilys I`fn`f ks Arkfn Gkfkclr.^mkt rlkiiy wkrgln gymlkrt!Z`u ilkrf Gkrdltjfc br`g tml Gkrdltpikhlplrj`n.

Xjtlsm nutt/;8

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QMI/U&C C`ib ^`urfkglft & Qlufj`f Akfcki`rl F`vlgalr 155=

^ml Hrystki Hup js Xtyijsm! Lksy njn jt0 Ukssj`f b`r C`ib njn jt. Amkrkt

w`f jt!!!U&CJKK C`ib 155= - Akfcki`rl - ACH - Brjnky 3tm F`vlgalr 155=

^ml bjrst t`urfkglft `b jts djfn. Slft `bb plrblhtiy ks plr pikf jf tmlCkrnlf Hjty `b Akfcki`rl kfn jf tml ;1= ylkrs `in Akfcki`rl C`ibH`ursl (ACH) wmjhm js df`wf b`r c`ibjfc njbbjhuitjls kfn hmkiilfcls.

Xjx Uikylrs Ukrtjhjpktln. Amkrkt Uktli (;3) Nllpkd Rlrgk (;:) CjfjiXmjr`ndkr (1;) DXQkg (1>) Kruf Hm`cil (1>) Okcnjsm Djfj (1>)

X`gl ijdl Xugkft Akdsmj kfn Ksm`d Qkgkskgy h`uin f`t pkrtjhjpktlnul ufkv`jnkail hjrhugstkfhls.

K mjcm stkfnkrn `b c`ib wks lxmjajtln. Xtkailb`rn b`rgkt wkskn`ptln.^ml Sjfflr h`uin f`t tkdl tmjfcs b`r crkftln.^ml Sjfflr? Ml js k pkssj`fktl C`iblr. Gr.Amkrkt Uktli (wjtm = mkfns`glUKQX) t``d kwky tml m`f`rs.^ml Qufflr-up? Ml js k Nlimj Hmkgp. Gr.Nllpkd Rlrgk wks nlhikrln k hi`slslh`fn.

H`fs`iktj`f Urjzls wlrl cjvlf t` kii pkrtjhjpktjfc c`iblrs.

Okcnjsm Djfj gknl mjs c`ib nlaut kfn mks kii tml p`tlftjki t` al k wjfflr jftml flxt U&CJKK C`ib tmkt h`uin mkpplf jf Flw Nlimj 155:.Xplhjki glftj`f t` al gknl `b Cjfji. Ml splhjkiiy bilw n`wf t` pkrtjhjpktljf tmjs bjrst lvlr t`urfkglft. Ml mkn t` rusm akhd t` Gugakj jgglnjktliykbtlr tml c`ib ckgl, t` lfkail rlhljvl mjs Ijbl ^jgl Khmjlvlglft Kwkrn b`rmjs yl`glf slrvjhls t` Mugkf Qls`urhls Nlvli`pglft jf Jfnjk kfn kar`kn.

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A`tm Nllpkd kfn Hm`cil gkfkcln k r`ufn `b C`ib jf altwllf tmljr ausjflssr`ufns.DXQkg sp`fs`rln tml ^r`pmjls.Gr. Kruf Alw``r ckvl kwky tml Xtyijsm Hrystki ^r`pmjls jf tml prlslfhl `b

kii tml c`iblrs kfn slilht jfvjtlls wmjil gkfy `b us wlrl ausy sjppjfc wmktdlpt tml spjrjts mjcm `f tml lvl `b tml Qlufj`f b`ii`wln ay njfflr `f Brjnky3tmF`vlgalr 5=.Xplhjki C`ib Glglft`s wlrl cjvlf t` Grs.Ckyktmjr Alw``r kfn Grs. CjrjokQkokf b`r aljfc prlslft kt tml C`ib Rlful kfn crkhjfc tml `hhksj`f.U&CJKK C`ib 155: ? Gr. Nllpkd Rlrgk mks tkdlf tml jfjtjktjvl t` `rckfjslskgl jf Flw Nlimj. Xuaslqulftiy wl wjii mkvl Uufl, Gugakj, D`nkjdkfki kstml vlfuls. S@QN-@B-G@\^M kfn clflrki jftlrlst w`uin nrkw g`rlU&CJKK t` pkrtjhjpktl jf tml buturl C`ib Lvlfts.^kjipjlhl?U&CJKK Hkrr`g & Hmlss? 155: - Xufji Mkrjaki kfn blw `tmlrs krl kirlknytmjfdjfc `b `rckfjzjfc tmlsl Lvlfts jf Gugakj.

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G`vjfc `f br`g C`ib t` tml Qlufj`f

^ml i`fc-kwkjtln Qlufj`f `b kppr`xjgktliy

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Kii `b us blit m`f`rln kfn w`uin tmkfd Amkrkt Uktli & Xkfoky Akflroll wm`hkgl br`g Gugakj, Kruf Hm`cil wm` gknl jt br`g Uufl & Nllpkd Rkrgkwm` hkgl `vlr br`g Nlimj. Fllnilss t` sky tmlrl wlrl gkfy wm` hkgl jfbr`g Hmlffkj, Dlrkik, KU kfn ^F.

^mlrl wlrl s`gl sp`usls kfn cr`wf up hmjinrlf wm` t`` knnln t` tml`vlrkii lfvjr`fglft kfn tml cikg`ur kfn y`utm lbblhts t` tml alkutjbuilvlfjfc ks jt ufb`inln. ^ml lfvjr`fglft wks lilhtrjh kfn ``zjfc wjtmlftmusjksg kfn jt wks s`gltmjfc t` lxplrjlfhl rktmlr tmkf lxprlss ks t`wmkt wks tml bllijfc kg`fcst pl`pil wmlf tmly gllt pl`pil kbtlr kcls.Gkfy mkn crkyln, wmjil gkfy mkn i`st tmljr pr`un p`sslssj`f `f tmljr mlkns

aut rlh`cfjzjfc pl`pil wks f`t k pr`ailg b`r pl`pil wlrl oust wkidjfcn`wf tml glg`ry ikfls wjtm f`stkicjh tjnajts. Ul`pil kt ikrcl wlrllfo`yjfc tml nrjfds wmjil tml stkrtlrs h`gglfhln tmljr lftry kfn br`g tmli``ds `b pl`pil kfn tml splln wjtm wmjhm tml qukftjty vkfjsmln, jt wkslvjnlft tmkt pl`pil wlrl lfo`yjfc tml lkts. @fhl tml qu`rug wks jf pikhl,kii tml pl`pil t``d tmljr slkts tmkt wlrl krrkfcln flktiy. Ikx njn tmlwlih`gjfc ajt kfn lxprlssln mkppjflss ks s` gkfy i`fc-i`st brjlfns glt`fhl kckjf. Ml tmlf jfvjtln Xkfoky Akflroll tml hmjlb krhmjtlht & tmlXlhrltkry `b tml Kiugfj t` smkrl mjs tm`ucmts. Kbtlr mjs g`tjvktjfc knnrlss,Amkrkt Uktli Urlsjnlft `b tml cr`up wks jfvjtln wm` t`` sp`dl ka`ut tmljfjtjki nkys `b QMI/U&C kfn m`w tmrjiiln ml wks t` al wjtm tml pl`pil wm`

gknl sjcfjbjhkft h`ftrjautj`f jf aujinjfc tml `rckfjzktj`f. Kruf Alw``rtmlf smkrln mjs lxhjtlglft nlspjtl aljfc kwky br`g tml h`gpkfy b`r `vlr;: ylkrs h`fbjrgjfc tml bkht @fhl k U&Cjtl kiwkys k U&Cjtl. KrufHm`cil blit ks tm`ucm ml wks tmlrl b`r k ikufhm `b `fl `b tml pr`nuhts tmktjs tml Uuii bkht`r `b U&C/QMI b`r kii `b us. Nllpkd Rlrgk blit vlrypr`un `b mjs skils tlkg kfn khdf`wilncln tml h`ftrjautj`fs `b s` gkfy. Mlkis` h`fbjrgln tmkt tml flxt lvlft wjii al jf tml f`rtmlrf alit tml vlfuljs stjii `plf. DF Xmjvnks sp`dl ka`ut m`w ml gkfkcln wjtm mjs tlkg t`

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pr`nuhl lf`ucm t` buibjii tml gkrdlt fllns kfn tml wm`il hr`wn t`` h`uinlgpktmjzl wjtm wmkt wks aljfc smkrln. ^mkfx js nul t` Amkrkt, Alw``r,Kruf, Nllpkd, Xkfoky & Xmjv b`r tml djfn w`rns tmly mkn t` sky nurjfc tmllvlft. Ikx, tmlf jfvjtln Qkg wm` hrlktln tml bjrst ilvli Uuii ay`rckfjzjfc k C@IB t`urfkglft & Khmutmkf & UD Qkokf tml tw` pjiikrs wm`

h`uin rlkhm `ut t` tml skils b`rhl kfn c`t tmlg b`r tmjs splhjki lvlfjfc.^ml wm`il cr`up khdf`wilncln tml tlkg w`rd `b tml Bkaui`us B`ur `bKhmutmkf, Qkokf, Qkg kfn Ikx.

^ml qu`rug tmlf pkjn rlsplht t` kii tml nlpkrtln s`uis ay `aslrvjfc k 1gjfutl sjilfhl tmlsl wlrl tml pl`pil wm` mkn pikyln pjv`tki r`ils jfaujinjfc tml `rckfjzktj`f kfn tml vkrj`us arkfns.

^` gkdl tml lfvjr`fglft k ijttil ijcmt kt tmjs stkcl, Ikx `rckfjzln k ckglhkiiln Qlh`cfjzl y`ur h`iilkculs. ^mjs wks k sjgpil ckgl ks s`gl m`glw`rd wks n`fl lkrijlr jf tlrgs `b h`iilhtjfc tml `in kfn hurrlft pjhturls `b

s`gl `b tml dly glgalrs `b tml QMI/U&C bkgjiy. ^ml `in aikhd kfnwmjtl pjhturl wks pr`olhtln `f tml shrllf `b `fl plrs`f kfn tml rlst `b tmlhr`wn wks t` rlh`cfjzl tml jfnjvjnuki. ^ml rjcmt culss w`f k sgkii t`dlfkwkrn sp`fs`rln ay Ikx. Sl mkn < pl`pil t` al rlh`cfjzln kfn Alw``rbkgjiy wks tml mkfns-n`wf wjfflrs tkdjfc >5% `b tml prjzls. ^ml ckglijcmtlfln tml lfvjr`fglft kfn hrlktln tml flhlsskry lxhjtlglft kfnjgpltus kfn kii `b us g`vln br`g tml hmkjrs akhd t` nrjfds kfn lkts. ^mlnjfflr wks rlkny jf c``n tjgl kfn `fl h`uin `aslrvl tmkt pl`pil wlrlmkvjfc k crlkt tjgl.

^mjs pjlhl `b wrjtl-up w`uin al jfh`gpiltl jb jt njn f`t h`vlr tml w`fnlrbui

clsturl `b Mkrjmkrkf wm` stjii js pkrt `b U&C gknl jt b`r tml lxhjtjfclvlfjfc kfn knnln burtmlr h`i`rs ay sp`fs`rjfc cjbt mkgplrs h`ftkjfjfcs`gl `b `ur kss`rtln pr`nuhts t` lvlry`fl wm` pkrtjhjpktln. ^mkfx Mkrjb`r tml skgl gky y`ur trjal jfhrlksl!!

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^lk Gucs wjtm tml i`c` `b QMI kfn U&C Kiugfj wks mkfnln `vlr t` lkhmplrs`f wm` pkrtjhjpktln kfn tmjs wks sp`fs`rln ay Ikx.

@fl jgp`rtkft jfput js b`r pl`pil t` nrkw `ut `b tml Akfcki`rl lxplrjlfhl

Ql-usl `b tml akfflrs tmkt mkvl allf prjftln t` al utjijzln jf buturllvlfts

Ijbl Glgalrsmjp blls wks h`iilhtln br`g tml b`ii`wjfc pl`pil?` Fkrksjgmkf` Xmjvkrkg D` ^R Xuarkgkfjkg` U Rlfdktrkgkf

Lftrkfhl bll h`iilhtln (lxhiunjfc Ijbl Glgalrsmjp) br`g tm`sl wm`pkrtjhjpktln 7 Qs. 1=,=55

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H`st `b B``n pkjn t` Knk-l-Mjfn 7 Qs. 88,155 (H`st `b ijqu`r & cjbtslxhiunln)

@rckfjzlrs `b tml flxt lvlft gky i``d kt jfhrlksjfc tml pkrtjhjpktj`f blls.

Kii c``n tmjfcs mkvl t` h`gl t` kf lfn kfn tmjs `fl njn t``, aut f`t wjtm`utilkvjfc s`gl jgprjfts jf tml gjfns `b tm`sl prlslft tml a`ny ikfcukcl `btml pl`pil hilkriy jfnjhktln ZLM NJI GKKFCKZ G@QL

Hmllrs

H`ftrjautln ay Qkg, Qkokf, Khmutmkf & Ikx

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SMZ SL XGLII 0

@ur a`ny mks bjvl slfsls wjtm tml mlip `b wmjhm wl ijvl kfn lfo`y `ur ijbl.^mlsl slfsls krl Rjsj`f, X`ufn, Xglii, ^kstl kfn Blli. ^ml slfs`ry `rckfswmjhm pr`vjnl tml ka`vl slfsktj`fs krl

Lyls Lkrs F`sl ^`fcul & Xdjf

Jf `ur brkcrkfhl kfn bikv`r jfnustry wl usl kii tml slfsls t` kpprlhjktl kfnlfo`y Brkcrkfhls `b Ulrs`fki hkrl pr`nuhts kfn Alkuty kjns & BjflBrkcrkfhls. Sl kis` kpprlhjktl kfn lfo`y Kr`gks kfn ^kstl `b b``ns. ^mlka`vl pr`nuhts h`fsjst `b X`kp akrs, H`sgltjhs, plrs`fki Ulrbugls b`rBrkcrkfhls kfn Alvlrkcls, Xfkhds, B``ns, Jhl-hrlkgslth b`r kr`gks kfnbikv`rs. ^`nky wl krl c`jfc t` ufnlrstkfn wmy wl sglii.

Xjfhl F`sl js tml jfstruglft `b sglii wl wjii njshuss tml gkjf bufhtj`fs `bF`sl. ^ml F`sl mks tml b`ii`wjfc tmrll gkjf bufhtj`fs

k) Hilkrjfc, H`fnjtj`fjfc kfn Xtlrjijzktj`f `b tml kjr b`r tml iufcs.a) Qls`fkfhl `b Mugkf R`jhl.

h) Xglii `r @n`r nltlhtj`f.

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Ilt us f`w stuny m`w tmlsl bufhtj`fs krl plrb`rgln

k) Hilkrjfc ,H`fnjtj`fjfc & Xtlrjijzktj`f ?

F`sl pr`hlssls

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h) Xglii kfn @n`r nltlhtj`f ?

^mjs sllgs t` al kf kfhjiikry bufhtj`f t` clt hilkf, `n`r brll kjr b`rarlktmjfc. M`wlvlr tmjs bufhtj`f mks allf suhhlssbuiiy kfnh`gglrhjkiiy lgpi`yln ay Brkcrkfhl kfn Bikv`r Jfnustry jf tml b`rg`b k Ulrbuglr t` hrlktl `r jgjtktl fkturki `r bkftksy plrbugls. K

crlkt O`a! Lvlry`fl mks k F`sl. Ay tmkt J glkf lvlrya`ny hkf sglii.Mugkf aljfc usls tmjs pr`plrty t` kv`jn pikhl `b akn/`af`xj`us `n`r.Jb plrs`f mks mjcmiy njshrjgjfktjvl p`wlr `r tmrlsm`in guhm g`rltmkf `rnjfkry f`sl tmlf ml alh`gls Ulrbuglr `r F`sl `b B&BH`gpkfy. Kvlrkcl mlkitmy jfnjvjnuki hkf nltlht ka`ut >555 `n`rswmjil slfsjtjvl f`sl `r k plrbuglr hkf sglii g`rl tmkf ;5,555 `n`rs.Jt js jgp`rtkft t` f`tl tmkt tml mugkf f`sl mks `vlr sjx gjiij`frlhlpt`r hliis jf tml `ibkht`ry glgarkfl wmjhm krl hkpkail `bnltlhtjfc vlry ikrcl fugalr `b `n`rs. Glgarkfl kis` pr`vjnls `n`rglg`ry rlsp`fsl ^ml `ibkht`ry glgarkfl js oust 8 hlftjgltlrskwky br`g Arkjf wm` cjvls sjcfkis b`r `n`r.

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^ml Ur`hlss `b Xgliijfc js hkiiln ks `ibkhtj`f . ^ml lvkiuktj`f `bbrkcrkfhl ay sgliijfc js hkiiln `ibkht`ry kfkiysjs.

Jf tml flxt jssul `b flws ilttlr J smkii jftr`nuhl y`u t` slfsktj`f `b

^kstl `r ^`fcul, rliktln t` Bikv`rs.

B`ids tmjs js f`t k ^`fcul-jf-Hmlldrlgkrd!!!