The City of Oakland sues Wells Fargo Bank for Mortgage Discrimination/Predatory Lending

8/20/2019 The City of Oakland sues Wells Fargo Bank for Mortgage Discrimination/Predatory Lending

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—Enci‟) bjr ta` ̀ ljcjohl hopnlt jb hts djcgstnckhcg, ucerji`c pjdhly nck prnlthl`

jb st``rhcg ohcjrhty ejrrjw`rs hc Jnidnck hctj ojrtgng` djncs jbb`r`k jc

— pr`kntjry‟ t`ros (k`bhc`k a`r`hc ns t`ros tant anv` ahga`r ljsts nck rhsi b`ntur`s

tanc ojr` bnvjrned` nck d`ss `xp`cshv` djncs bjr wahla ta` ejrrjw`r wns `dhghed`

nck wahla nr` r`gudnrdy hssu`k tj shohdnrdy shtunt`k waht` ejrrjw`rs) nck bjr hts

pjdhly jb r`bushcg tj `xt`ck lr`kht tj ohcjrhty ejrrjw`rs waj k`shr`k tj r`bhcncl`

ta` ojr` ̀ xp`cshv` djncs ta`y pr`vhjusdy r`l`hv`k wa`c sula lr`kht wns ̀ xt`ck`k

tj waht` ejrrjw`rs.

5. [a` nkv`rs` hopnlt tant ta` Enci‘s ojrtgng` d`ckhcg pjdhlh`s nck

prnlthl`s wjudk lnus` hc t`ros jb whk`spr`nk `ljcjohl nck cjc-`ljcjohl

knong`s tarjugajut ta` Lhty w`r` `cthr`dy bjr`s``ned`, hct`r ndhn, tarjuga n

vnrh`ty jb ncndythlnd tjjds nck puedhsa`k r`pjrts nvnhdned` tj ta` Enci.

<. [ahs suht hs erjugat pursunct tj ta` Bnhr Ajushcg Nlt jb >821(—BAN‟), ns no`ck`k, ;5 P.\.L. §§ <2=>, `t s`q., nck ta` Lndhbjrchn Bnhr

@opdjyo`ct nck Ajushcg Nlt (—B@AN‟), Lndhbjrchn Gjv`rco`ct Ljk` (—Gjv‘t

Ljk`‟) §>58==, `t s`q., ey ta` Lhty tj s`ì r`kr`ss bjr hcfurh`s lnus`k ey W`dds

Bnrgj‘s pntt`rc jr prnlthl` jb hdd`gnd nck khslrhohcntjry ojrtgng` d`ckhcg.

\p`lhbhlnddy, Jnidnck s`ìs hcfuclthv` r`dh`b nck knong`s bjr ta` hcfurh`s lnus`k

ey (>) ta` jrhghcnthjc jb ojrtgng` djncs jc pr`kntjry t`ros hc ohcjrhty

c`hgaejrajjks nck tj ohcjrhty ejrrjw`rs tant nr` ta` r`sudt jb W`dds Bnrgj‘s

ucdnwbud nck khslrhohcntjry d`ckhcg prnlthl`s, nck (5) ta` Enci‘s sues`qu`ct

r`busnd tj `xt`ck lr`kht tj ohcjrhty ejrrjw`rs s`ìhcg tj r`bhcncl` pr`vhjusdy

hssu`k ucc`l`ssnrhdy `xp`cshv` djncs. [a` ucdnwbud ljckult ndd`g`k a`r`hc

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ljcshsts jb ejta hct`cthjcnd khslrhohcnthjc nck khspnrnt` hopnlt khslrhohcnthjc.

W`dds Bnrgj‘s pjdhlh`s nck prnlthl`s hk`cthbh`k a`r`hc w`r` cjt fusthbh`k ey eushc`ss

c`l`sshty jr d`ghthont` eushc`ss hct`r`sts. [a`r` w`r` d`ss ljstdy nck taus d`ss

khslrhohcntjry ndt`rcnthv`s nvnhdned` tj W`dds Bnrgj tant wjudk anv` nlah`v`k ta`

sno` eushc`ss gjnds ns w`r` nlah`v`k ey ta`s` pjdhlh`s nck prnlthl`s.

;. Wahd` W`dds ans nknpt`k tj lancghcg onri`t ljckhthjcs c`l`sshtnt`k

ey `cancl`k puedhl slruthcy jb hts ojrtgng` d`ckhcg prnlthl`s, jc` hssu` ans

r`onhc`k ljcstnct shcl` nt d`nst 5==; “ W`dds ans syst`onthlnddy `cgng`k hc n

ljcthcujus pntt`rc nck prnlthl` jb st``rhcg ohcjrhty ejrrjw`rs hc Jnidnck hctj

ojrtgng` djncs whta pr`kntjry t`ros wa`c ojr` bnvjrned` nck d`ss `xp`cshv`djncs w`r` e`hcg jbb`r`k tj shohdnrdy shtunt`k cjc-ohcjrhty ejrrjw`rs. [ahs

ucdnwbud pntt`rc nck prnlthl` ljcthcu`s tarjuga ta` pr`s`ct nck ans cjt t`rohcnt`k.

[a`r`bjr`, ta` jp`rnthv` stntut` jb dhohtnthjcs gjv`rchcg nlthjcs erjugat pursunct

tj ta` BAN nck B@AN ans cjt ljoo`cl`k tj ruc.

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onxhohz` W`dds Bnrgj‘s prjbhts whtajut r`gnrk tj ta` ejrrjw`r‘s e`st hct`r`sts, ta`

ejrrjw`r‘s nehdhty tj r`pny, jr ta` bhcnclhnd a`ndta jb uck`rs`rv`k ohcjrhty

c`hgaejrajjks, r`sudthcg hc nc `xl`sshv`dy ahga cuoe`r jb ojr` `xp`cshv` djncs

hc Jnidnck. Ojr`jv`r, W`dds Bnrgj ans nv`rt`k ncy shgchbhlnct rhsi tj hts`db ey

s`ddhcg ta` vnst onfjrhty jb ojrtgng` djncs ht jrhghcnt`s jr purlans`s jc ta`

s`ljcknry onri`t.

2. [a` pntt`rc nck prnlthl` jb d`ckhcg khslrhohcnthjc `cgng`k hc ey

W`dds Bnrgj ljcshsts jb trnkhthjcnd r`kdhchcg> nck r`v`rs` r`kdhchcg,5 ejta jb wahla

> U`kdhchcg hs ta` prnlthl` jb k`cyhcg lr`kht tj pnrthludnr c`hgaejrajjks ens`k jc rnl`.5 U`v`rs` r`kdhchcg hs ta` prnlthl` jb bdjjkhcg n ohcjrhty ljoouchty whta `xpdjhtnthv` djnc prjkults.

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anv` e``c k``o`k tj vhjdnt` ta` BAN nck B@AN. W`dds Bnrgj `cgng`k hc

r`kdhchcg, nck ljcthcu`s tj ̀ cgng` hc snhk ljckult, ey r`bushcg tj `xt`ck ojrtgng`

lr`kht tj ohcjrhty ejrrjw`rs hc Jnidnck jc `qund t`ros ns tj cjc-ohcjrhty

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ejrrjw`rs hc ohcjrhty c`hgaejrajjks hc Jnidnck jc ta` enshs jb ta` rnl` jr

`tachlhty jb hts r`shk`cts.

7. W`dds Bnrgj‘s khslrhohcntjry ohsljckult ans ndsj lnus`k nc

`xl`sshv` nck khsprjpjrthjcnt`dy ahga cuoe`r jb bjr`ldjsur`s hc ta` ohcjrhty

c`hgaejrajjks jb Jnidnck. [a`s` bjr`ldjsur`s jbt`c jllur wa`c n ohcjrhty ejrrjw`r waj pr`vhjusdy r`l`hv`k n pr`kntjry djnc sjugat tj r`bhcncl` ta` djnc,

jcdy tj khsljv`r tant W`dds Bnrgj r`bus`k tj `xt`ck lr`kht nt ndd, jr jc `qund t`ros

ns r`bhcnclhcg shohdnr djncs hssu`k tj waht` ejrrjw`rs. [a` hc`vhtned` r`sudt jb ta`

ljoehcnthjc jb hssuhcg ucc`l`ssnrhdy `xp`cshv` jr hcnpprjprhnt` djncs, nck ta`c

r`bushcg tj r`bhcncl` ta` djncs, wns bjr`ldjsur`.

1. W`dds Bnrgj wjudk anv` ank ljopnrned` rnt`s jb hssuhcg pr`kntjry

djncs nck r`sudthcg bjr`ldjsur`s hc ohcjrhty nck waht` ljoouchth`s whtahc

Jnidnck hb ta` Enci wns prjp`rdy nck uchbjrody nppdyhcg r`spjcshed`

uck`rwrhthcg prnlthl`s hc ejta ljoouchth`s. W`dds Bnrgj pjss`ss`s sjpahsthlnt`k

uck`rwrhthcg t`lacjdjgy, ncndythl tjjds, kntn, nck nll`ss tj r`pjrts tant nddjw ht tj

bjr`s``nedy pr`khlt whta pr`lhshjc ta` dhi`dhajjk tant ht ank hssu`k nc hoprjp`rdy

ojr` ̀ xp`cshv` djnc, ns w`dd ns ta` dhi`dhajjk ta` djnc wjudk r`sudt hc k`dhcqu`cly,

k`bnudt jr bjr`ldjsur`.< Nck hb tant w`r` cjt subbhlh`ct, ta` Enci ank erncla

< [a` sljp` jb W`dds‘ rhsi ncndyshs pjdhlh`s nck prnlthl`s hs s`t bjrta hc k`tnhdtarjugajut ta` Enci‘s 5=>; Nccund U`pjrt ntattps6//www=1.w d̀dsbnrgjo`khn.ljo/nss`ts/pkb/nejut/hcv`stjr-r`dnthjcs/nccund-r`pjrts/5=>;-nccund-r`pjrt.pkb.

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jbbhl`s djlnt`k hc Jnidnck nck ic`w, jr l`rtnhcdy sajudk anv` icjwc, jb ta`

nkv`rs` ljcs`qu`cl`s jb hts d`ckhcg ohsljckult tj ohcjrhty ejrrjw`rs nck ta` Lhty

r`gnrkd`ss jb wa`ta`r ta` Enci sues`qu`ctdy sjdk ta` djnc jr s`rvhlhcg rhgats tj n

tahrk pnrty. Ljcs`qu`ctdy, ta` Enci‘s hssuncl` jb hoprjp`rdy ojr̀ `xp`cshv`

djncs tj ohcjrhty ejrrjw`rs nck ta` ljcs`qu`ct bjr`ldjsur`s jr jta`r bhcnclhnd

pr`ssur`s tant r`sudt`k hc k`t`rhjrnthjc jb ta` prjp`rty w`r` bjr`s``ned`, `vhk`ct,

nck cjt ta` r`sudt jb rnckjo, sup`rs`khcg `v`cts.

8. Wahd` W`dds purpjrts tj e` n gjjk ljrpjrnt` nck ljoouchty lhthz`c,

ta` r`ndhty hs `xnltdy ta` jppjsht`. [a` Enci wns putthcg hts bhcnclhnd hct`r`sts

na`nk jb hts lustjo`rs nck ta` Lhty jb Jnidnck hc jrk`r tj onxhohz` prjbhts.>=. Nlljrkhcg tj bjro`r B`k`rnd U`s`rv` Lanhronc E`c E`rcnci`,

—bjr`ldjsur`s lnc hcbdhlt `ljcjohl knong` e`yjck ta` p`rsjcnd subb`rhcg nck

khsdjlnthjc tant nlljopncy taò. Bjr`ldjs`k prjp`rth`s tant sht vnlnct bjr ojctas

(jr y`nrs) jbt`c k`t`rhjrnt` brjo c`gd`lt, nkv`rs`dy nbb`lthcg cjt jcdy ta` vndu` jb

ta` hckhvhkund prjp`rty eut ta` vndu`s jb c`nrey ajo`s ns w`dd. Ljcl`ctrnthjcs jb

bjr`ldjsur`s anv` e``c sajwc tj kj s`rhjus knong` tj c`hgaejrajjks nck

ljoouchth`s, r`kulhcg tnx ens`s nck d`nkhcg tj hclr`ns`k vnckndhso nck lrho`.

[aus, ta` jv`rndd `bb`lt jb ta` bjr`ldjsur` wnv`, `sp`lhnddy wa`c ljcl`ctrnt`k hc

djw`r-hcljo` nck ohcjrhty nr`ns, hs erjnk`r tanc hts `bb`lts jc hckhvhkund

ajo`jwc`rs.‟;

>>. [a` khslrhohcntjry d`ckhcg prnlthl`s nt hssu` a`r`hc anv` r`sudt`k hc

want ans e``c k`slrhe`k ns ta` —gr`nt`st djss jb w`ndta bjr p`jpd` jb ljdjr hc

; Uònris ey B`k`rnd U`s`rv` Lanhronc E`c E`rcnci` nt ta` Jp`rnthjc AJ]@ Gdjend BhcnclhndKhgchty \uooht, Ntdnctn, G`jrghn nt pg. ; (Cjvòe`r >0, 5=>5) nvnhdned` ntwww.b`k`rndr`s`rv`.gjv/c`ws`v`cts/sp``la/e`rcnci`5=>5>>>0n.ato.





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ojk`rc P\ ahstjry.‟0 Ht hs w`dd-`stnedhsa`k tant pjv`rty nck ucòpdjyo`ct rnt`s

bjr ohcjrhth`s `xl``k tajs` jb waht`s, nck ta`r`bjr`, ajo` `quhty r`pr`s`cts n

khsprjpjrthjcnt`dy ahga p`rl`ctng` jb ta` jv`rndd w`ndta bjr ohcjrhth`s.2 Ns

E`rcnci` r`l`ctdy `xpdnhc`k, ns n r`sudt jb ta` ajushcg lrhshs, —ojst jr ndd jb ta`

anrk-wjc gnhcs hc ajo`jwc`rsahp onk` ey djw-hcljo` nck ohcjrhty

ljoouchth`s hc ta` pnst >0 y`nrs jr sj anv` e``c r`v`rs`k.‟7 [a` r`sudthcg hopnlt

jb ta`s` prnlthl`s r`pr`s`cts —cjtahcg sajrt jb ta` pr`òhc`ct lhvhd rhgats hssu` jb

jur tho`, ̀ rnshcg, ns ht ans, n g`c`rnthjc jb anrk bjugat w`ndta nlluoudnthjc nojcg

Nbrhlnc-No`rhlncs.‟1

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pursunct tj Nrthld` QH jb ta` Lndhbjrchn Ljcsthtuthjc nck prjvhk`s ta` usund vnrh`ty

jb s`rvhl`s tj hts r`shk`cts nck vhshtjrs ns kj jta`r ouchlhpndhth`s, hcldukhcg pjdhl`

nck bhr` s`rvhl`s.

><. [a` Lhty ndsj ans n djcg ahstjry jb prjojthcg nck s`ìhcg tj onhctnhc

n khv`rs`, stned`, nck hct`grnt`k ljoouchty. [a`s` jef`lthv`s nr` nlah̀ v`k

tarjuga ta` nlthv` hcvjdvò`ct jb ta` Lhty‘s `d`lt`k jbbhlhn ds nck cuo`rjus Lhty

Ng`clh`s nck K`pnrto`cts. Bjr `xnopd`, ta` Jnidnck Ajushcg nck Ljoouchty

K`v`djpo`ct Khvhshjc jb ta` Lhty‘s Ljoouchty nck @ljcjohl K`v`djpo`ct

0 Pcht`k bjr n Bnhr @ljcjoy, Bjr`ldjs`k6 \tnt` jb ta` Kr`no 5==1, nt v (Fnc. >0, 5==1), nvnhdned`nt attp6//www.bnhr`ljcjoy.jrg/bhd`s/\tnt`JbKr`noZ=>Z>2Z=1ZWè.pkb.

2 Uje`rt \lawòo nck F`bbr`y [nr`c, Khslr`thjcnry ]rhlhcg, Ojrtgng` Khslrhohcnthjc, nck ta` Bnhr Ajushcg Nlt , ;0 ANURNUK LHRHD U HGA[\-LHRHD DHE@U[H@\ DNW U @R. <70, <15 (5=>=).

7 E`rcnci`, suprn c.;, nt p. <.1 Lanrd`s Ch`r HHH nck Onur``c \t. Lyr, N Unlhnd Bhcnclhnd Lrhshs6 U`tahcihcg ta` [a`jry jb

U`v`rs` U`kdhchcg tj Ljoent ]r`kntjry D`ckhcg Pck`r ta` Bnhr Ajushcg Nlt , 1< [@O]D@ DNW

U @RH@W 8;>, 8;5 (5=>>).





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Ng`cly prjojt`s nll`ss tj k`l`ct nbbjrkned` ajushcg hc a`ndtay, sustnhcned`

c`hgaejrajjks whta budd nll`ss tj dhb`-`canclhcg s`rvhl`s. Ht wjris whta

pnrthlhpnthcg d`ck`rs tj nsshst djw nck ojk`rnt`-hcljo`, bhrst-tho` ajo`euy`rs

purlans` ajo`s hc Jnidnck tarjuga hts Ojrtgng` Nsshstncl` ]rjgrno (—ON]‟),

hts —\anr`k Nppr`lhnthjc Ojrtgng`‟ prjgrno, nck hts LndAjo` ]rjgrno tj

purlans` ajo`s hc Jnidnck.

>;. W`dds Bnrgj & Ljopncy hs n cnthjcwhk`, khv`rshbh`k, bhcnclhnd

s`rvhl`s ljopncy. Ppjc hcbjronthjc nck e`dh`b, hts ljrpjrnt` a`nkqunrt r̀s nr`

djlnt`k hc \nc Brnclhslj, Lndhbjrchn. Ht hs ta` pnr`ct ljopncy jb W`dds Bnrgj Enci,

C.N.>0. W`dds Bnrgj Enci, C.N. hs jrgnchz`k ns n cnthjcnd encihcg nssjlhnthjc

uck`r ta` dnws jb ta` Pcht`k \tnt`s. Ppjc hcbjronthjc nck e`dh`b, hts ljrpjrnt`

a`nkqunrt`rs nr` hs djlnt`k hc \juta Knijtn. Ht onhctnhcs oudthpd` jbbhl`s hc ta`

\tnt` jb Lndhbjrchn nck ta` Lhty jb Jnidnck bjr ta` purpjs`s jb sjdhlhthcg

nppdhlnthjcs bjr nck onihcg r`shk`cthnd ojrtgng` djncs nck `cgnghcg hc jta`r

eushc`ss nlthvhth`s.

>2. [a` K`b`ckncts hc tahs nlthjc nr`, jr w`r` nt ndd r`d`vnct tho`s, suef`lt

tj Lndhbjrchn stnt` dnws gjv`rchcg bnhr d`ckhcg, hcldukhcg B@AN, wahla prjahehts

bhcnclhnd hcsthtuthjcs brjo khslrhohcnthcg jc ta` enshs jb rnl` nck cnthjcnd jrhghc

hc prjvhkhcg bhcnclhnd nsshstncl` bjr ta` purlans` jb ajushcg, Lndhbjrchn

Gjv`rco`ct Ljk` § >5800(`)9 nck oni`s khslrhohcnthcg jc ta` enshs jb rnl` nck

cnthjcnd jrhghc hc onihcg nvnhdned`, jr hc ta` t`ros nck ljckhthjcs jb, r`shk`cthnd

r`nd `stnt`-r`dnt`k trncsnlthjcs n vhjdnthjc jb Lndhbjrchn Gjv`rco`ct Ljk` §

>5800(h).

>7. [a` K`b`ckncts hc tahs nlthjc nr` jr w`r` eushc`ss`s tant prjvhk`

bhcnclhnd nsshstncl` bjr ta` purlans` jb ajushcg nck `cgng` hc r`shk`cthnd r`nd

`stnt`-r`dnt`k trncsnlthjcs hc ta` Lhty jb Jnidnck whtahc ta` o`nchcg jb B@AN.





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>1. Ens`k jc hcbjronthjc r`pjrt`k pursunct tj ta` Ajo` Ojrtgng`

Khsldjsur` Nlt, hc nkkhthjc tj djncs tant K`b`ckncts jrhghcnt`k khr`ltdy, K`b`ckncts

nr` r`spjcshed` bjr r`shk`cthnd ajo` djncs nlquhr`k brjo, nck/jr sjdk ey jr tarjuga,

W`dds Bnrgj Bhcnclhnd, W`dds Bnrgj Buckhcg, Hcl., Wnlajvhn Ojrtgng`, B\E,

Wnlajvhn Enci, C.N., Wnlajvhn Ojrtgng` Lj., Wjrdk \nvhcgs Enci, B\E,

No`rhlnc Ojrtgng` C`twjri, Hcl., nck Ajo` \`rvhl`s D`ckhcg, DDL.

>8. Ppjc hcbjronthjc nck e`dh`b, ta` Lhty ndd`g`s tant `nla jb ta`

K`b`ckncts wns nck hs nc ng`ct jb ta` jta`r K`b`ckncts. @nla K`b`cknct, hc nlthcg

jr johtthcg tj nlt ns ndd`g`k hc tahs Ljopdnhct, wns nlthcg hc ta` ljurs` nck sljp`

jb hts nltund jr nppnr`ct nutajrhty pursunct tj sula ng`clh`s, nck/jr ta` ndd`g`k nltsjr johsshjcs jb `nla K`b`cknct ns ng`ct w`r` sues`qu`ctdy rnthbh`k nck nkjpt`k

ey `nla ng`ct ns prhclhpnd. @nla K`b`cknct, hc nlthcg jr johtthcg tj nlt ns ndd`g`k

hc tahs Ljopdnhct, wns nlthcg tarjuga hts ng`cts, nck hs dhned` jc ta` enshs jb ta`

nlts nck johsshjcs jb hts ng`cts.

HHH.

FPUH\KHL[HJC NCK R@CP@

5=. [ahs Ljurt ans jrhghcnd furhskhlthjc jv`r ta` Lhty‘s ldnhos e`lnus` ht

hs ens`k jc n b`k`rnd stntut`, BAN. [ahs Ljurt ans suppd`o`ctnd furhskhlthjc jv`r

ta` Gjv‘t Ljk` ldnhos nck jta`r Lndhbjrchn stnt` ldnhos erjugat a`r`hc pursunct tj

51 P.\.L. §><27.

HR.

R@CP@

5>. R`cu` hs prjp`r hc ta` Pcht`k \tnt`s Khstrhlt Ljurt, Cjrta`rc Khstrhltjb Lndhbjrchn, pursunct tj ta` BAN, e`lnus` K`b`ckncts ljckult eushc`ss hc tahs

khstrhlt, e`lnus` ta` Lhty hs djlnt`k hc tahs khstrhlt, nck n suestncthnd pnrt jb ta`

`v`cts nck johsshjcs ghvhcg rhs` tj ta` Lhty‘s ldnhos jllurr`k hc tahs khstrhlt.





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R.

W@DD\ @CGNG@K HC KH\LUHOHCN[JUX D@CKHCG

]UNL[HL@\

N.

\p`lhbhl Pcdnwbud D`ckhcg ]rnlthl`s

55. W`dds Bnrgj `cgng`k hc cuo`rjus khslrhohcntjry d`ckhcg prnlthl`s

kurhcg ta` tho` p`rhjks nt hssu` a`r`hc. N pnrthnd dhst jb ta`s` prnlthl`s hclduk`,

eut hs cjt dhoht`k tj, ta` bjddjwhcg6

n. bnhdhcg tj nk`qunt`dy ojchtjr ta` Enci‘s pjdhlh`s nck prnlthl`s r`gnrkhcg ojrtgng` djncs, hcldukhcg eut cjt dhoht`ktj jrhghcnthjcs, onri`thcg, snd`s, nck rhsi oncngò`ct9

e. r`v`rs` r`kdhchcg9

l. pdnlhcg ejrrjw`rs hc pr`kntjry djncs `v`c tajuga ta`yqundhby bjr prho` djncs jc e`tt`r t`ros9

k. bnhdhcg tj pruk`ctdy uck`rwrht` ayerhk nkfustned`-rntòjrtgng`s (—NUOs‟), sula ns 5/51s nck </57s98

`. bnhdhcg tj pruk`ctdy uck`rwrht` r`bhcncl` djncs, wa`r` ejrrjw`rs suesthtut` ojr` ucnbbjrkned` ojrtgng` djncs bjr`xhsthcg ojrtgng`s tant ta`y nr` w`dd-suht`k bjr nck tant nddjwtaò tj euhdk `quhty9

b. nddjwhcg ojrtgng` erji`rs tj lanrg` —yh`dk spr`nk pròhuos‟ bjr qundhbyhcg n ejrrjw`r bjr nc hct`r`st rnt` tant hsahga`r tanc ta` rnt` ta` ejrrjw`r qundhbh`s bjr nck lnc nltunddynbbjrk9

g. bnhdhcg tj uck`rwrht` djncs ens`k jc trnkhthjcnduck`rwrhthcg lrht`rhn sula ns kèt-tj-hcljo` rnthj, djnc-tj-vndu` rnthj, BHLJ sljr`, nck wjri ahstjry9

8 Hc n 5/51 NUO, ta` —5‟ r`pr`s`cts ta` cuoe`r jb y`nrs ta` ojrtgng` whdd e` bhx`k jv`r ta`t`ro jb ta` djnc, wahd` ta` —51‟ r`pr`s`cts ta` cuoe`r jb y`nrs ta` hct`r`st rnt` pnhk jc taòjrtgng` whdd e` vnrhned`. \hohdnrdy, hc n </57 NUO, ta` hct`r`st rnt` hs bhx`k bjr tar`` y`nrs nckvnrhned` bjr ta` rònhchcg 57-y`nr nojrthznthjc.





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a. r`quhrhcg suestncthnd pr`pnyo`ct p`cndth`s tant pr`v`ct ejrrjw`rs wajs` lr`kht ans hoprjv`k brjo r`bhcnclhcg ta`hrsueprho` djnc tj n prho` djnc9

h. lanrghcg ̀ xl`sshv` pjhcts nck b``s tant nr` cjt nssjlhnt`kwhta ncy hclr`ns`k e`c`bhts bjr ta` ejrrjw`r9

f. lr`nthcg n ljop`csnthjc slaò` hcl`cthvhzhcgòpdjy``s tj st``r ohcjrhty ejrrjw`rs hctj pr`kntjry djncs9nck

i. r`kdhchcg.

E. W`dds Hct`cthjcnddy Khslrhohcnt`k Ngnhcst Ohcjrhty Ejrrjw`rs hcRhjdnthjc jb ta` BAN nck B@AN ns Kòjcstrnt`k ey Bjro`r

Enci @opdjy``s5<. Ljcbhk`cthnd Whtc`ss`s (—LWs‟) nr` bjro`r W`dds Bnrgj òpdjy``s

bnohdhnr whta ta` Enci‘s d`ckhcg nck eushc`ss prnlthl`s p`rthc`ct tj ta` hcstnct

dnwsuht hc ta` gr`nt`r Jnidnck r`ghjc. LWs k`slrhe` ajw W`dds Bnrgj ans tnrg`t`k

ohcjrhth`s nck r`shk`cts jb ohcjrhty c`hgaejrajjks hc nck nrjuck Jnidnck bjr

ojr` ̀ xp`cshv` ojrtgng` djncs.

5;. LW> wjri`k bjr W`dds Bnrgj brjo 5==2 tj 5=>> ns n enci t`dd`r hc

ta` @o`ryvhdd` nck Bruhtvnd` Nv`cu` erncla`s.

50. LW5 wjri`k bjr W`dds Bnrgj brjo npprjxhont`dy Onrla 5=>5 tj

Nugust 5=>; ns n djnc prjl`ssjr nt ta` Enci‘s prjl`sshcg l`ct`r hc \nc D`nckrj ns

w`dd ns hc ta` U@J K`pnrto`ct.

52. LW< wjri`k bjr W`dds Bnrgj brjo npprjxhont`dy Bèrunry 5=>> tj

Bèrunry 5=>5 ns n ojrtgng` ljcsudtnct hc Jnidnck.

h. W`dds Bnrgj tnrg`ts ohcjrhth`s bjr pr`kntjry djnc t`ros

57. LW > snhk tant snd`s qujtns bjr ta` Bruhtvnd` erncla, wahla ank n

pnrthludnrdy ahga cuoe`r jb ohcjrhty lustjo`rs, w`r` s`t ey n ahga`r d`v`d W`dds

Bnrgj Jbbhl`. [a` Bruhtvnd` erncla wns v`ry nggr`sshv` s`ddhcg prjkults tj

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`>= jb <1




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ohcjrhty lustjo`rs, hcldukhcg ojrtgng` djncs. [a` whtc`ss ̀ xpdnhc`k tant sa` wns

trnhc`k tj s`dd ta` e`c`bht jb n prjkult nck cjt khsluss ta` pjt`cthnd rhsis jr

kjwcshk` jb ta` prjkult.

51. LW 5 `xpdnhc`k tant ta` Enci jrhghcnt`k n ahga`r rnt` jb nkfustned`

rnt` djncs tj ohcjrhty ejrrjw`rs tanc waht` ejrrjw`rs, nck v`ry b`w ohcjrhty

ejrrjw`rs r`l`hv`k ljcv`cthjcnd <=-y`nr bhx`k rnt` ojrtgng`s, wahla w`r`

npprjv`k ojstdy bjr cjc-ohcjrhty ejrrjw`rs. [a` whtc`ss v`ry rnr̀ dy snw

ljcv`cthjcnd djncs e`hcg hssu`k tj ejrrjw`rs whta n Ahspnchl cno`. [a` whtc`ss

stnt`k tant ohcjrhty ejrrjw`rs ljopdnhc`k tant ta`y khk cjt uck`rstnck ta` t`ros

jb ta`hr djncs nck tant djnc jbbhl`rs bnhd`k tj buddy ̀ xpdnhc ta` nkv`rs` ljcs`qu`cl`sjb ta` nkfustned` rnt` djncs.

58. LW < stnt`k tant ohcjrhty ejrrjw`rs r`gudnrdy ljopdnhc`k tant ta`y

w`r` d`k tj e`dh`v` ta`y ank jetnhc`k n bhx`k rnt` djnc jcdy tj sues`qu`ctdy

khsljv`r tant ht wns hc r`ndhty nc nkfustned` rnt` djnc. Ohcjrhty ejrrjw`rs waj

w`r` jbt`c cjt ns sjpahsthlnt`k ns waht` ejrrjw`rs w`r` pnrthludnrdy susl`pthed` tj

cjt uck`rstnckhcg ta`hr djnc t`ros.

<=. LW < stnt`k tant W`dds Bnrgj djnc jbbhl`rs bnhd`k tj nk`qunt`dy

`xpdnhc tj ohcjrhty ejrrjw`rs p`rthc`ct k`tnhds r`gnrkhcg nkfustned` rnt` nck

hct`r`st-jcdy djncs, nck tant ta` Enci ndsj bnhd`k tj prjvhk` erjlaur`s nt erncla

djlnthjcs wahla buddy `xpdnhc`k ta`s` djncs. Unta`r, khsldjsur`s w`r̀ s`ct hc ta`

onhd nbt`r n lustjo`r nppdh`k bjr ta` djnc, nck Enci `opdjy``s typhlnddy khk cjt

`xpdnhc ta` k`tnhds jcl` ta` lustjo`r r`l`hv`k n erjlaur`. Nkkhthjcnddy, ta` Enci

r`quhr`k tant djnc jbbhl`rs ta`os`dv`s pny hb ta`y wnct`k tj prjvhk` prjkult

erjlaur`s wrhtt`c hc \pnchsa. [a` whtc`ss `xpdnhc`k tant W`dds Bnrgj o`r`dy

trnhc`k hts djnc jbbhl`rs tj ̀ csur` tant ejrrjw`rs r`l`hv`k khsldjsur`s, eut w`r` cjt

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`>> jb <1




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r`quhr`k tj khsluss ta` khsldjsur`s whta n ejrrjw`r jr `csur` tant ta` ejrrjw`r

uck`rstjjk taò.

<>. LW > snhk tant ohcjrhty ejrrjw`rs khk cjt ndwnys npp`nr tj

uck`rstnck ta` Enci‘s prjkults, hcldukhcg ojrtgng` djncs.

hh. W`dds Bnrgj prjbhd`k Enci lustjo`rs tj s`dd prjkults

<5. LW > snhk tant ta` Enci‘s ljoput`r nck kntn systò prjbhd`k

lustjo`rs nck tnrg`t`k taò whta n vnrh`ty jb prjkults, hcldukhcg ojrtgng` djncs.

[a`s` prjkults jbt`c npp`nr`k ns —pjp-ups‟ jc ta` t`dd`rs slr``c nck ta` t`dd`rs

w`r` r`quhr`k tj jbb`r ta`s` prjkults. [a` cuoe`r jb —pjp-up‟ jbb ̀ rs ta` t`dd`rs

ldhli`k wa`c tndihcg whta n lustjo`r wns n bnltjr ta` enci us`k tj `vndunt` ta`hr

p`rbjroncl`. [a` Enci prjvhk`k t`dd`rs whta hcl`cthv` pny bjr r`b`rrhcg lustjo`rs

waj shgc`k up bjr ta`s` jbb`rs, wahla hclduk`k ojrtgng` djncs.

hhh.

Ohcjrhth`s hc Jnidnck U`l`hv` Ojr` @xp`cshv` Djnc

[`ros brjo W`dds Bnrgj U`gnrkd`ss jb Lr`khtwjrtahc`ss

<<. Ns khsluss`k a`r`hc, n cjc-`xanusthv` dhst jb ta` typ`s jb pr`kntjry

djncs tant W`dds Bnrgj st``r`k ohcjrhth`s hctj wa`c ta`y jta`rwhs` qundhbh`k bjr

d`ss `xp`cshv` nck d`ss rhsiy djncs hclduk` ta` bjddjwhcg6 ahga-ljst djncs (h.`.,

djncs whta nc hct`r`st rnt` tant wns nt d`nst <% nejv` ta` [r`nsury rnt` prhjr tj

5=>= nck >.0% nejv` ta` prho` ojrtgng` rnt` ta`r`nbt`r),>= sueprho` djncs,

hct`r`st-jcdy djncs, enddjjc pnyo`ct djncs, djncs whta pr`pnyo`ct p`cndth`s,

c`gnthv` nojrthznthjc djncs, cj kjluo`ctnthjc djncs, ahga`r ljst gjv`rco`ct

>= [ahs k`bhchthjc nppdh`s tj bhrst dh`c djncs.

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`>5 jb <1




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djncs, hcldukhcg BAN>> nck RN>5 djncs nck A@DJL‘s, nck/jr NUO djncs whta

t`ns`r rnt`s (h.`., dhb`tho` onxhouo rnt` 3 hchthnd rnt` + 2%).

<;. Kntn r`pjrt`k ey ta` Enci nck nvnhdned` tarjuga ejta puedhl nck

prhvnt` kntnens`s sajws tant ohcjrhth`s hc Jnidnck r`l`hv`k ojr` `xp`cshv` djnc

t`ros brjo W`dds Bnrgj ojr` br`qu`ctdy tanc waht` ejrrjw`rs r`gnrkd`ss jb

lr`khtwjrtahc`ss.

<0. N r`gr`sshjc ncndyshs jb tahs kntn ljctrjddhcg bjr ejrrjw`r rnl` nck

jef`lthv` rhsi lanrnlt`rhsthls sula ns lr`kht ahstjry, djnc-tj-vndu` rnthj, nck ta`

rnthj jb djnc nojuct tj hcljo` kòjcstrnt`s tant, brjo 5==;-5=><, nc Nbrhlnc-

No`rhlnc ejrrjw`r hc Jnidnck wns 5.;=< tho`s ojr` dhi`dy tj r`l`hv` n djnc whta pr`kntjry t`ros ns n waht` ejrrjw`r hc Jnidnck pjss`sshcg shohdnr uck`rwrhthcg

nck ejrrjw`r lanrnlt`rhsthls.>< [a` r`gr`sshjc ncndyshs burta`r kòjcstrnt`s tant n

Ahspnchl ejrrjw`r hc Jnidnck wns 5.05= tho`s ojr` dhi`dy tj r`l`hv` n pr`kntjry

djnc ns n waht` ejrrjw`r pjss`sshcg shohdnr uck`rwrhthcg nck ejrrjw`r

lanrnlt`rhsthls. [a`s` jkks rnthjs kòjcstrnt` n pntt`rc jb stnthsthlnddy shgchbhlnct

khbb`r`cl`s e`tw``c Nbrhlnc-No`rhlnc nck waht` ejrrjw`rs nck e`tw``c Ahspnchl

nck waht` ejrrjw`rs. >;

>> BAN djncs nr` hcsur`k ey ta` B`k`rnd Ajushcg Nkohchstrnthjc nck r`quhr` ejrrjw`rs tj pnybjr ojrtgng` hcsurncl` nck ony ̀ ctnhd jta`r ljsts. ]`jpd` whta lr`kht sljr`s uck`r 0== g`c`rnddynr` hc`dhghed` bjr BAN djncs.>5 RN djncs nr` gunrnct``k ey ta` P.\. K`pnrto`ct jb R`t`rncs Nbbnhrs, nvnhdned` tj v`t`rncs jrsurvhvhcg spjus`s waj kj cjt rònrry, nck g`c`rnddy kj cjt r`quhr` n kjwc pnyo`ct jc ta`

prjp`rty.>< Ns ndd`g`k tarjugajut ta` ljopdnhct, ndd r`b`r`cl`s tj ta` knt` rncg` 5==;-5=>< nr` hct`ck`ktj hclduk` ta` tho` p`rhjk up tj nck hcldukhcg K`lòe`r <>, 5=><. W`dds Bnrgj hssu`k ojr``xp`cshv` djncs tj ohcjrhty ejrrjw`rs hc Jnidnck kurhcg tahs tho` p`rhjk.

>; \tnthsthlnd shgchbhlncl` hs n o`nsur` jb prjenehdhty tant nc jes`rv`k jutljo` wjudk cjt anv`jllurr`k ey lancl`. Ns us`k hc tahs Ljopdnhct, nc jutljo` hs stnthsthlnddy shgchbhlnct hb ta` prjenehdhty tant ht ljudk anv` jllurr`k ey lancl` hs d`ss tanc >%.

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`>< jb <1




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<2. [a` r`gr`sshjc ncndyshs ndsj sajws tant ta`s` khspnrhth`s p`rshst wa`c

ljopnrhcg jcdy ejrrjw`rs whta BHLJ sljr`s nejv` 22=. Nc Nbrhlnc-No`rhlnc

ejrrjw`r hc Jnidnck whta n BHLJ sljr` nejv` 22= wns 5.52> tho`s ojr` dhi`dy tj

r`l`hv` n pr`kntjry djnc ns n waht` ejrrjw`r hc Jnidnck whta shohdnr uck`rwrhthcg

nck ejrrjw`r lanrnlt`rhsthls. N Ahspnchl ejrrjw`r hc Jnidnck whta n BHLJ sljr`

nejv` 22= wns 5.<22 tho`s ojr` dhi`dy tj r`l`hv` n pr`kntjry djnc ns n waht`

ejrrjw`r hc Jnidnck whta shohdnr uck`rwrhthcg nck ejrrjw`r lanrnlt`rhsthls. [a`s`

jkks rnthjs kòjcstrnt` n pntt`rc jb stnthsthlnddy shgchbhlnct khbb`r`cl`s e`tw``c

Nbrhlnc-No`rhlnc nck waht` ejrrjw`rs nck e`tw``c Ahspnchl nck waht`

ejrrjw`rs.<7. N shohdnr r`gr`sshjc ncndyshs tnihcg hctj nlljuct ta` rnlhnd oniùp jb

ta` ejrrjw`r‘s c`hgaejrajjk rnta`r tanc ta` hckhvhkund ejrrjw`r‘s rnl` sajws tant

ejrrjw`rs hc a`nvhdy ohcjrhty c`hgaejrajjks hc Jnidnck w`r` ojr` dhi`dy tj

r`l`hv` ojr` `xp`cshv` nck ahga`r rhsi djncs tanc ejrrjw`rs hc a`nvhdy waht`

c`hgaejrajjks. Bjr `xnopd`, n ejrrjw`r hc n ohcjrhty l`csus trnlt (l`csus trnlt

ljcshsthcg jb nt d`nst 0=% Nbrhlnc-No`rhlnc jr Ahspnchl ajusàjdks) wns <.5=7

tho`s ojr` dhi`dy tj r`l`hv` n pr`kntjry djnc ns n ejrrjw`r whta shohdnr

lanrnlt`rhsthls hc n cjc-ohcjrhty c`hgaejrajjk hc Jnidnck (l`csus trnlt whta nt

d`nst 0=% waht` ajusàjdks). [a`s` jkks rnthjs kòjcstrnt` n pntt`rc jb

stnthsthlnddy shgchbhlnct khbb`r`cl`s e`tw``c Nbrhlnc-No`rhlnc nck waht`

ejrrjw`rs nck e`tw``c Ahspnchl nck waht` ejrrjw`rs.

<1. Nkkhthjcnddy, kntn r`pjrt`k ey ta` Enci nck nvnhdned` tarjuga puedhl

kntnens`s sajws tant hc 5==;-5=><, 2.1% jb djncs onk` ey W`dds Bnrgj tj Nbrhlnc-

No`rhlnc nck Ahspnchl lustjo`rs hc Jnidnck w`r` ahga ljst, eut jcdy >.2% jb

djncs onk` tj waht` lustjo`rs hc Jnidnck w`r` ahga ljst. [ahs kntn kòjcstrnt`s

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`>; jb <1




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n pntt`rc jb stnthsthlnddy shgchbhlnct khbb`r`cl`s hc ta` prjkult pdnl`o`ct bjr ahga

ljst djncs e`tw``c ohcjrhty nck waht` ejrrjw`rs.

<8. [aus, ta` khspnrhth`s r`gnrkhcg ta` hssuncl` jb ojr` `xp`cshv` nck

ahga`r rhsi djncs tj ohcjrhty ejrrjw`rs nr` cjt ta` r`sudt jb jr jta`rwhs` ̀ xpdnhc`k

ey d`ghthont` cjc-rnlhnd uck`rwrhthcg lrht`rhn.

hv.

Jnidnck‘ Kntn Ncndyshs hs Ljrrjejrnt`k ey Nkkhthjcnd

\tukh`s/U`pjrts

;=. Nlljrkhcg tj Khslr`thjcnry ]rhlhcg, Ojrtgng` Khslrhohcnthjc, nck

ta` Bnhr Ajushcg Nlt , ;0 ANURNUK LHRHD U HGA[\-LHRHD DHE@U[H@\ DNW U @R. <70,

<81 (5=>=), s`v`rnd stukh`s knthcg enli tj 5=== anv` `stnedhsa`k tant ohcjrhty

ejrrjw`rs w`r` lanrg`k ahga`r hct`r`st rnt`s/b``s tanc shohdnr lr`khtwjrtay waht`

ejrrjw`rs.

;>. Dhi`whs`, nlljrkhcg tj N Unlhnd Bhcnclhnd Lrhshs, 1< [@O]D@ DNW

U @R. 8;>, 8;7, 8;8 (5=>>), jc` stuky ljclduk`k tant —`v`c nbt`r ljctrjddhcg bjr

uck`rwrhthcg vnrhned`s, Nbrhlnc-No`rhlnc ejrrjw`rs w`r` 2.>% tj <;.<% ojr`

dhi`dy tanc waht`s tj r`l`hv` n ahga`r rnt` sueprho` ojrtgng` kurhcg ta` sueprho` ejjo.‟ Nck ncjta`r stuky bjuck tant shgchbhlnct djnc prhlhcg khspnrhty `xhsts

nojcg djw rhsi ejrrjw`rs “ Nbrhlnc-No`rhlnc ejrrjw`rs w`r` 20% ojr` dhi`dy

tj r`l`hv` n sueprho` ajo` purlans` djnc tanc shohdnr lr`khtwjrtay waht`

ejrrjw`rs, nck >5;% ojr` dhi`dy tj r`l`hv` n sueprho` r`bhcncl` djnc.

;5. \hohdnrdy, ta` L`ct`r bjr U`spjcshed` D`ckhcg‘s Cjv`oe`r 5=>>

U`pjrt, Djst Grjuck, 5=>>6 Khspnrhth`s hc Ojrtgng` D`ckhcg nck Bjr`ldjsur`s,

stnt`k tant —rnlhnd nck `tachl khbb`r`cl`s hc bjr`ldjsur` rnt`s p`rshst `v`c nbt`r

nlljucthcg bjr khbb`r`cl`s hc ejrrjw`r hcljo`s.‟ Burta`r, ta` L`ct`r stnt`k ht hs

—pnrthludnrdy trjued`sjo`‟ tant ohcjrhth`s r`l`hv`k rhsih`r djncs —`v`c whtahc

Yshohdnr_ lr`kht rncg`s.‟ Bjr ̀ xnopd`, nojcg ejrrjw`rs anvhcg BHLJ sljr`s nejv`





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22=, ta` hclhk`cl` jb ahga`r rnt` djncs nojcg vnrhjus grjups wns ns bjddjws6

waht`s “ 2.5%9 Nbrhlnc-No`rhlnc “ 5>.;%9 nck Ahspnchl “ >8.<%.

;<. N sòhcnd r`pjrt jc bjr`ldjsur` nlthvhty ey Onri Kukn nck Whddhno

Npgnr kjluo`cts ta` c`gnthv` hopnlt tant rhshcg bjr`ldjsur`s anv` jc djw-hcljo`

nck djw-w`ndta ohcjrhty ljoouchth`s, ushcg Lahlngj ns n lns` stuky. Or. Npgnr

hs n \`chjr \lajdnr nt ta` Fjhct L`ct`r bjr Ajushcg \tukh`s jb Anrvnrk Pchv`rshty,

nck n D`ltur`r jc ]uedhl ]jdhly nt Anrvnrk‘s Fjac B. I`cc`ky \lajjd jb

Gjv`rco`ct. A` pr`vhjusdy s`rv`k ns ta` Nsshstnct \`lr`tnry bjr Ajushcg/B`k`rnd

Ajushcg Ljoohsshjc`r nt ta` P.\. K`pnrto`ct jb Ajushcg nck Prenc

K`v`djpo`ct, nck ndsj Lanhr`k ta` B`k`rnd Ajushcg Bhcncl` Ejnrk. Or. Npgnrajdks n ]a.K. hc @ljcjohls brjo Anrvnrk Pchv`rshty. Or. Kukn hs n U`s`nrla

B`ddjw nt ta` Fjhct L`ct`r bjr Ajushcg \tukh`s. [a` Npgnr-Kukn r`pjrt ans

ljcthcunddy e``c lht`k ey sues`qu`ct gjv`rco`ctnd, puedhl s`ltjr, nck prhvnt`

s`ltjr r`pjrts ku` tj hts ldnrhty nck tajrjugac`ss whta r`sp`lt tj ta` c`gnthv`

hopnlt bjr`ldjsur`s anv` jc djw`r-hcljo` nck ohcjrhty c`hgaejrajjks.>0

;;. [ahs shgchbhlnct r`pjrt ahgadhgats ta` bjr`s``nehdhty jb bjr`ldjsur`s

nrhshcg brjo hssuhcg ojr` ̀ xp`cshv` nck ahga`r rhsi djncs kòjcstrnthcg tant sula

bjr`ldjsur`s hopjs` shgchbhlnct nck pr`khltned` ljsts jc ejrrjw`rs, ouchlhpnd

gjv`rco`cts, nck c`hgaejrhcg ajo`jwc`rs.

;0. Ncjta`r r`pjrt, ey ta` L`ct`r bjr U`spjcshed` D`ckhcg, us`s n

cnthjcnd kntns`t tj sajw tant ta` bjr`ldjsur` rnt` bjr djw- nck ojk`rnt`-hcljo`

Nbrhlnc-No`rhlncs hs npprjxhont`dy >.1 tho`s ahga`r tanc ht hs bjr djw- nck

ojk`rnt`-hcljo` cjc-Ahspnchl waht`s. [a` gnp hs sondd`r bjr Ahspnchls,

`sp`lhnddy nojcg djw-hcljo` ajusàjdks, eut ̀ v`c nojcg djw-hcljo` Ahspnchls

>0 \`` W. Npgnr, O. Kukn & U. Gjr`y, [a` Ouchlhpnd Ljsts jb Bjr`ldjsur`s6 N Lahlngj Lns`

\tuky (5==0) (nvnhdned` nt attp6//www.cw.jrg/c`twjri/c`hgaejrwjris]rjgs/ bjr`ldjsur`sjduthjcs/kjluo`cts/5==0Npgnr-Kukn\tuky- BuddR`rshjc.pkb).


http://www.nw.org/network/neighborworksProgs/






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ta` bjr`ldjsur` rnt` hs >.5 tho`s tant jb djw-hcljo` waht`s. Unlhnd nck `tachl

khspnrhth`s hc bjr`ldjsur` rnt`s lnccjt e` `xpdnhc`k ey hcljo`, shcl` khspnrhth`s

p`rshst `v`c nojcg ahga`r-hcljo` grjups. Bjr ̀ xnopd`6 npprjxhont`dy >= p`rl`ct

jb ahga`r-hcljo` Nbrhlnc-No`rhlnc ejrrjw`rs nck >0 p`rl`ct jb ahga`r-hcljo`

Ahspnchl ejrrjw`rs anv` djst ta`hr ajo` tj bjr`ldjsur`, ljopnr`k whta ;.2 p`rl`ct

jb ahga`r hcljo` cjc-Ahspnchl waht` ejrrjw`rs. Jv`rndd, djw- nck ojk`rnt`-

hcljo` Nbrhlnc-No`rhlncs nck ohkkd`- nck ahga`r-hcljo` Ahspnchls anv`

`xp`rh`cl`k ta` ahga`st bjr`ldjsur` rnt`s.>2

L. W`dds Bnrgj‘s [nrg`thcg jb Ohcjrhth`s waj hc Bnlt U`l`hv`

Ojr` @xp`cshv` Djnc [`ros U`gnrkd`ss jb Lr`khtwjrtahc`ss Lnus`sBjr`ldjsur`s

h.

Kntn sajws tant W`dds Bnrgj‘s bjr`ldjsur`s nr`

khsprjpjrthjcnt`dy djlnt`k hc ohcjrhty c`hgaejrajjks hc

Jnidnck

;2. Hc nkkhthjc tj ta` khsprjpjrthjcnt` khstrheuthjc jb W`dds Bnrgj

bjr`ldjsur`s hc Nbrhlnc-No`rhlnc nck Ahspnchl c`hgaejrajjks, khspnrnt` rnt`s jb

bjr`ldjsur` ens`k jc rnl` burta`r k`ojcstrnt` W`dds Bnrgj‘s bnhdur` tj bjddjw

r`spjcshed` uck`rwrhthcg prnlthl`s hc ohcjrhty c`hgaejrajjks. Wahd` >;.>% jb

W`dds Bnrgj‘s djncs hc c`hgaejrajjks ljcshsthcg jb gr`nt`r tanc 0=% Nbrhlnc-

No`rhlnc jr Ahspnchl c`hgaejrajjks hc Jnidnck r`sudt hc bjr`ldjsur`, ta` sno` hs

tru` bjr jcdy <.<% jb hts djncs hc cjc-ohcjrhty (nt d`nst 0=% waht`) c`hgaejrajjks

hc Jnidnck. Hc jta`r wjrks, n W`dds Bnrgj djnc hc nc Nbrhlnc-No`rhlnc jr

Ahspnchl c`hgaejrajjk hs ;.705 tho`s ojr` dhi`dy tj r`sudt hc bjr`ldjsur` ns n

W`dds Bnrgj djnc hc n cjc-ohcjrhty c`hgaejrajjk. [a`s` jkks rnthjs k`ojcstrnt`

>2 L`ct`r bjr U`spjcshed` D`ckhcg, Djst Grjuck, 5=>>6 Khspnrhth`s hc Ojrtgng` D`ckhcg nck

Bjr`ldjsur`s (5=>>) (nvnhdned` nt www.r`spjcshed`d`ckhcg.jrg/ojrtgng`-d`ckhcg/r`s`nrla--ncndyshs/ Djst-Grjuck-5=>>.pkb).





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n pntt`rc jb stnthsthlnddy shgchbhlnct khbb`r`cl`s e`tw``c Nbrhlnc-No`rhlnc nck

waht` ejrrjw`rs nck e`tw``c Ahspnchl nck waht` ejrrjw`rs.

;7. [aus, W`dds Bnrgj‘s khslr`thjcnry d`ckhcg pjdhlh`s nck pntt`rc jr

prnlthl` jb tnrg`thcg jb ohcjrhth`s, waj hc bnlt r`l`hv` ojr` `xp`cshv` nck

ucbnvjrned` djnc t`ros r`gnrkd`ss jb lr`khtwjrtahc`ss, anv` lnus`k nck ljcthcu`

tj lnus` bjr`ldjsur`s hc Jnidnck.

hh.

Kntn sajws tant W`dds Bnrgj‘s djncs tj ohcjrhth`s r`sudt hc

`sp`lhnddy quhli bjr`ldjsur`s hc Jnidnck

;1. N ljopnrhsjc jb ta` tho` brjo jrhghcnthjc tj bjr`ldjsur` jb W`dds

Bnrgj‘s djncs jrhghcnt`k hc Jnidnck brjo 5==; tj 5=>< sajws n khspnrhty whta

r`sp`lt tj ta` sp``k whta wahla djncs tj Ahspnchls nck waht` ejrrjw`rs ojv` hctj

bjr`ldjsur`. [a` nv`rng` tho` tj bjr`ldjsur` bjr Ahspnchl ejrrjw`rs hc Jnidnck hs

<.;>> y`nrs, nck bjr waht` ejrrjw`rs hc Jnidnck hs <.12> y`nrs. [a`s` stnthsthlnddy

shgchbhlnct khspnrhth`s kòjcstrnt` tant W`dds Bnrgj nggr`sshv`dy ojv`k Ahspnchl

ejrrjw`rs hctj bjr`ldjsur` ns ljopnr`k whta ajw ta` Enci anckd`k bjr`ldjsur`s

bjr waht` ejrrjw`rs.;8. [ahs khspnrhty hc tho` tj bjr`ldjsur` r`pr`s`cts y`t ncjta`r stnthsthlnd

onri`r kòjcstrnthcg tant W`dds Bnrgj `cgng`k hc d`ckhcg prnlthl`s ljcshst`ct

whta r`v`rs` r`kdhchcg. [a` khspnrhty hc tho` tj bjr`ldjsur` kòjcstrnt`s tant W`dds

Bnrgj hs `cgng`k hc hrr`spjcshed` uck`rwrhthcg hc ohcjrhty ljoouchth`s tant kj`s

cjt s`rv` ta` e`st hct`r`sts jb ejrrjw`rs. Hb W`dds Bnrgj w`r` nppdyhcg ta` sno`

uck`rwrhthcg prnlthl`s hc Ahspnchl nck waht` c`hgaejrajjks hc Jnidnck, ta`r`

wjudk cjt e` n shgchbhlnct khbb`r`cl` hc tho` tj bjr`ldjsur`. W`r` W`dds Bnrgj

uck`rwrhthcg ejrrjw`rs hc ejta ljoouchth`s whta `qund lnr` nck ntt`cthjc tj

prjp`r uck`rwrhthcg prnlthl`s, ejrrjw`rs hc Ahspnchl ljoouchth`s wjudk cjt bhck

taòs`dv`s hc bhcnclhnd strnhts shgchbhlnctdy sjjc`r tanc ejrrjw`rs hc waht`





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ljoouchth`s. [a` bnst`r tho` tj bjr`ldjsur` hc Ahspnchl c`hgaejrajjks hs

ljcshst`ct whta uck`rwrhthcg prnlthl`s hc ohcjrhty ljoouchth`s tant nr` d`ss

ljcl`rc`k whta k`t`rohchcg n ejrrjw`r‘s nehdhty tj pny nck qundhbhlnthjcs bjr ta`

djnc tanc ta`y nr` hc onxhohzhcg sajrt-t`ro prjbht.

0=. [a` APK/[r`nsury U`pjrt ljcbhros tant tho` tj bjr`ldjsur` hs nc

hopjrtnct hckhlntjr jb pr`kntjry prnlthl`s6 —Yt_a` sp``k whta wahla ta` sueprho`

djncs hc ta`s` ljoouchth`s anv` gjc` tj bjr`ldjsur` sugg`sts tant sjo` d`ck`rs

ony e` onihcg ojrtgng` djncs tj ejrrjw`rs waj khk cjt anv` ta` nehdhty tj r`pny

tajs` djncs nt ta` tho` jb jrhghcnthjc.‟>7

hhh.

Kntn sajws tant ta` khslrhohcntjry djnc t`ros lnus` ta`

bjr`ldjsur`s hc Jnidnck

0>. \t``rhcg ejrrjw`rs hctj djncs whta pr`kntjry t`ros tant nr` d`ss

nkvnctng`jus tanc ojr` bnvjrned` djncs bjr wahla ta`y qundhby lnc lnus`

bjr`ldjsur`s e`lnus` ta` ejrrjw`rs nr` r`quhr`k tj oni` ahga`r djnc pnyo`cts.

[a` khbb`r`cl` e`tw``c want n ejrrjw`r waj hs st``r`k hctj n ojr` ̀ xp`cshv` djnc

oust pny nck ta` djw`r nojuct bjr wahla ta` ejrrjw`r qundhbh`k lnc lnus` ta` ejrrjw`r tj e` ucned` tj oni` pnyo`cts jc ta` ojrtgng`. Hc sula hcstncl`s, ta`

ejrrjw`r wjudk anv` ljcthcu`k tj oni` pnyo`cts jc ta` ojrtgng` nck r`onhc`k

hc pjss`sshjc jb ta` pr`ohs`s ank W`dds Bnrgj onk` ta` djnc whtajut hoprjp`rdy

st``rhcg ta` ejrrjw`r hctj n ojr` `xp`cshv` djnc. \t``rhcg ejrrjw`rs hc tahs

oncc`r, ta`r`bjr`, lnus`s bjr`ldjsur`s nck vnlnclh`s.

05. Ghvhcg n djnc tj nc nppdhlnct waj kj`s cjt qundhby bjr ta` djnc,

`sp`lhnddy n r`bhcncl` jr ajo` `quhty djnc, lnc ndsj lnus` bjr`ldjsur`s nck

>7 Pcht`k \tnt`s K`pnrto`ct jb Ajushcg & Prenc K`v`djpo`ct nck Pcht`k \tnt`s K`pnrto`ct

jb ta` [r`nsury, Lurehcg ]r`kntjry Ajo` Ojrtgng` D`ckhcg (5===), nt 50 (nvnhdned` nt attp6//www.aukus`r.jrg/]uedhlnthjcs/pkb/tr̀ nsrpt.pkb) (—APK/[r`nsury U`pjrt‟).





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vnlnclh`s. \jo` ajo`jwc`rs dhv` hc prjp`rth`s tant ta`y jwc suef`lt tj cj

ojrtgng`. Jta`r ajo`jwc`rs dhv` hc prjp`rth`s whta ojk`st ojrtgng`s tant ta`y

lnc ljobjrtnedy nbbjrk tj pny. Wa`r` n d`ck`r, sula ns W`dds Bnrgj, sjdhlhts sula

n ajo`jwc`r tj tni` jut n ajo` `quhty djnc jc ta`hr prjp`rty, jr ndt`rcnthv`dy, tj

r`bhcncl` ta`hr ̀ xhsthcg djnc hctj n dnrg`r djnc whtajut prjp`rdy uck`rwrhthcg taò

tj nssur` tant ta`y lnc oni` ta` ojctady pnyo`cts bjr ta` c`w, dnrg`r djnc, ta`

r`sudt hs dhi`dy tj e` tant ta` ejrrjw`r whdd e` ucned` tj oni` pnyo`cts jc ta`

ojrtgng`. [ahs hs pnrthludnrdy tru` wa`r` ta` ejrrjw`r hs r`bhcncl`k brjo n bhx`k-

rnt` djnc hctj nc nkfustned`-rnt` djnc tant ta` d`ck`r icjws ta` ejrrjw`r lnccjt

nbbjrk sajudk hct`r`st rnt`s rhs`. Hc sjo` hcstncl`s ta` d`ck`r ony r`bhcncl` ta` ejrrjw`r hctj n c`w djnc tant ta` d`ck`r icjws ta` ejrrjw`r lnccjt sustnhc ghv`c

ta` ejrrjw`r‘s pr`s`ct kèt jedhgnthjcs nck bhcnclhnd r`sjurl`s. Hc sula

lhrluostncl`s, ta` dhi`dy r`sudt jb sula prnlthl`s hs tj lnus` ajo`jwc`rs waj nr`

jta`rwhs` jllupyhcg prjp`rth`s whtajut n ojrtgng`, jr ljobjrtnedy onihcg

pnyo`cts jc n ojk`st `xhsthcg ojrtgng`, tj e` ucned` tj oni` pnyo`ct jc n c`w,

ucnbbjrkned` djnc. [ahs, hc turc, lnus`s bjr`ldjsur`s nck vnlnclh`s. Hb ta`s`

ucnbbjrkned` r`bhcncl` nck ajo` `quhty djncs ank cjt e``c onk`, ta` suef`lt

prjp`rth`s wjudk cjt anv` e`ljo` vnlnct.

0<. N r`gr`sshjc ncndyshs jb djncs hssu`k ey W`dds Bnrgj hc Jnidnck brjo

5==;-5=>< ljctrjddhcg bjr jef`lthv` rhsi lanrnlt`rhsthls sula ns lr`kht ahstjry, djnc

tj vndu` rnthj, nck ta` rnthj jb djnc nojuct tj hcljo` kòjcstrnt`s tant n pr`kntjry

djnc hs >.70< tho`s ojr` dhi`dy tj r`sudt hc bjr`ldjsur` tanc n cjc-pr`kntjry djnc.

0;. N r`gr`sshjc ncndyshs jb djncs hssu`k ey W`dds Bnrgj hc Jnidnck brjo

5==;-5=>< ljctrjddhcg bjr jef`lthv` rhsi lanrnlt`rhsthls sula ns lr`kht ahstjry, djnc

tj vndu` rnthj, nck ta` rnthj jb djnc nojuct tj hcljo` kòjcstrnt`s tant n pr`kntjry

djnc hssu`k tj nc Nbrhlnc-No`rhlnc ejrrjw`r hs 5.01< tho`s ojr` dhi`dy tj r`sudt

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`5= jb <1




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hc bjr`ldjsur` tanc n ojr` bnvjrned` nck d`ss `xp`cshv` djnc hssu`k tj n waht`

ejrrjw`r hc Jnidnck. [a` r`gr`sshjc burta`r `stnedhsa`s tant n pr`kntjry djnc

hssu`k tj n Ahspnchl ejrrjw`r hs <.<>5 tho`s ojr` dhi`dy tj r`sudt hc bjr`ldjsur`

tanc n ojr` bnvjrned` nck d`ss `xp`cshv` djnc hssu`k tj n waht` ejrrjw`r hc

Jnidnck.

RH.

JNIDNCK AN\ E@@C HCFPU@K EX W@DD\ BNUGJ‘\

KH\LUHOHCN[JUX DJNC ]UNL[HL@\

00. Jnidnck ans subb`r`k ejta cjc-`ljcjohl nck `ljcjohl hcfurh`s ns n

khr`lt r`sudt jb W`dds Bnrgj‘s pntt`rc jr prnlthl` jb hssuhcg pr`kntjry ojrtgng`

djncs hc ohcjrhty c`hgaejrajjks hc Jnidnck, nck ta` Lhty s``is r`kr`ss bjr ta`s`

hcfurh`s. [a` Lhty kj`s cjt s``i r`kr`ss hc tahs nlthjc bjr hcfurh`s r`sudthcg brjo

ojrtgng`s jrhghcnt`k ey d`ck`rs jta`r tanc W`dds Bnrgj.

02. W`dds Bnrgj ljcthcu`s tj `cgng` hc ta` pntt`rc jr prnlthl` k`slrhe`k

a`r`hc whta shohdnr nck ljcthcuhcg k`d`t`rhjus ljcs`qu`cl`s tj ta` Lhty.

07. [arjuga ta` us` jb ̀ xp`rt ̀ vhk`cl` nck ncndythl tjjds sula ns A`kjchl

r`gr`sshjc, Jnidnck hs lnpned` jb `stnedhsahcg tant ta` Enci‘s d`ckhcg prnlthl`sw`r` ta` lnus` jb ta` r`sudthcg hcfurh`s ndd`g`k a`r`hc hc n oncc`r tant `xlduk`s

jta`r pjt`cthnd lnus`s.

N. Cjc-@ljcjohl Hcfurh`s

01. W`dds Bnrgj‘s d`ckhcg prnlthl`s anv` nkv`rs`dy hopnlt`k ta` Lhty‘s

cuo`rjus prjgrnos k`shgc`k tj prjojt` bnhr ajushcg nck n snb`, hct`grnt`k

ljoouchty wa`r` ndd r`shk`cts anv` ta` jppjrtuchty tj prjsp`r. Bjr `xnopd` ta`

Ajushcg nck Ljoouchty K`v`djpo`ct K`pnrto`ct hs lanrg`k whta oncnghcg ta`

Lhty‘s ]uedhl Ajushcg nck APK prjgrnos wahla e`c`bht ohcjrhty ajo`jwc`rs hc

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`5> jb <1




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pnrthludnr.>1 [a` K`pnrto`ct prjvhk`s vnrhjus bjros jb nsshstncl` tj `cned` djw

nck ojk`rnt` hcljo` r`shk`cts tj purlans` ajo`s. Jc` jb ta` K`pnrto`ct‘s

prhonry jef`lthv`s hs tj —hk`cthby nck tawnrt pr`kntjry d`ckhcg prnlthl`s nck

ljddnejrnt` whta r`putned` d`ck`rs.‟ [a` K`pnrto`ct ndsj jp`rnt`s cuo`rjus

Ajushcg U`pnhr nck Uànehdhtnthjc ]rjgrnos k`shgc`k tj nsshst djw nck ojk`rnt`

hcljo` ajo`jwc`rs ljrr`lt a`ndta nck snb`ty vhjdnthjcs, euhdkhcg ljk` vhjdnthjcs,

nent` ljk` k`bhlh`clh`s, nck onfjr systòs hc kncg`r jb bnhdur`.>8 [a` Lhty prjvhk`s

buckhcg tj l`rtnhc cjc-prjbht jrgnchznthjcs tj prjojt` bnhr ajushcg nck `dhohcnt`

ajushcg khslrhohcnthjc jc ta` enshs jb rnl` jr cnthjcnd jrhghc.5= Nkkhthjcnddy, ta`

purpjs` nck ohsshjc jb ta` Lhty‘s Cuhsncl` Nentò`ct ]rjgrno hs tj —prjojt` taà`ndta nck snb`ty jb Jnidnck lhthz`cs ey pr`v`cthcg, hk`cthbyhcg, nck `dhohcnthcg

puedhl cuhsncl`s.‟ [a`s` cuhsncl`s hcvjdv` cuo`rjus nlthvhth`s khr`ltdy dhci`k tj

ta` Enci‘s d`ckhcg prnlthl`s, hcldukhcg, eut cjt dhoht`k tj nenckjc`k jr

k`t`rhjrnt`k prjp`rty, strulturnd nck `d`ltrhlnd anznrks, lrhohcnd nlthvhty, bhr`

anznrks, zjchcg vhjdnthjcs, `xl`ss kèrhs nck trnsa, nck dhtt`r.5>

E.

@ljcjohl Hcfurh`s

08. [a` Lhty ans subb`r`k `ljcjohl hcfury ens`k upjc r`kul`k prjp`rty

tnx r`v`cu`s r`sudthcg brjo (n) ta` k`lr`ns`k vndu` jb ta` vnlnct prjp`rth`s

taòs`dv`s, nck (e) ta` k`lr`ns`k vndu` jb prjp`rth`s surrjuckhcg ta` vnlnct

prjp`rth`s. Hc nkkhthjc, ta` Lhty ans subb`r`k `ljcjohl hcfury r`sudthcg brjo ta`

ljst jb ouchlhpnd s`rvhl`s tant ht prjvhk`k nck sthdd oust prjvhk` tj rò`ky edhgat

>1 attp6//www5.jnidnckc`t.ljo/Gjv`rco`ct/j/alk/n/Eushc`ssGjnds/hck`x.ato>8 attp6//www5.jnidnckc`t.ljo/Gjv`rco`ct/j/alk/s/AjushcgU`pnhrUàne]rjgrnos/KJWK==17>75= attp6//www5.jnidnckc`t.ljo/Gjv`rco`ct/j/alk/s/A\L/KJWK==1205 5> attp6//www5.jnidnckc`t.ljo/Gjv`rco`ct/j/LhtyNkohchstrnthjc/hck`x.ato





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nck ucsnb` nck kncg`rjus ljckhthjcs wahla ̀ xhst nt prjp`rth`s tant w`r` bjr`ldjs`k

ns n r`sudt jb W`dds Bnrgj‘s hdd`gnd d`ckhcg prnlthl`s.

L. Jnidnck ans e``c Hcfur`k ey n U`kulthjc hc ]rjp`rty [nx

U`v`cu`s brjo Bjr`ldjsur`s Lnus`k ey Khslrhohcntjry DjncsHssu`k ey W`dds Bnrgj

2=. Wa`c n ajo` bndds hctj bjr`ldjsur`, ht nbb`lts ta` prjp`rty vndu` jb ta`

bjr`ldjs`k ajo` ns w`dd ns ta` vndu`s jb jta`r ajo`s hc ta` c`hgaejrajjk. [a`s`

k`lr`ns`k prjp`rty vndu`s hc turc r`kul` prjp`rty tnx r`v`cu`s tj ta` Lhty. Ns

prjp`rty vndu`s krjp, Jnidnck ljoouchth`s ljudk djs` oncy ohddhjcs hc prjp`rty

tnx r`v`cu`s brjo ta` k`lr`ns`k vndu` jb ta` bjr`ldjs`k ajo`s ta`os`dv`s nck

tajs` hc ta` surrjuckhcg c`hgaejrajjks.

2>. Rnlnclh`s nck sajrt snd`s ̀ v`c prhjr tj ljopd`thjc jb bjr`ldjsur` ndsj

r`sudt hc khohchsa`k ajo` vndu`s. Hck``k, —Yh_c >5 stnt`s, hcldukhcg Lndhbjrchn,

Bdjrhkn, Nrhzjcn, C`w Xjri nck C`w F`rs`y, pr`-bjr`ldjsur` snd`s nltunddy

jutcuoe`r`k U@J snd`s.‟55 \ula khstr`ss`k snd`s r`kul` prjp`rty vndu`s.5<

25. Ajo`s hc bjr`ldjsur` t`ck tj ̀ xp`rh`cl` n suestncthnd k`ldhc` hc vndu`,

nck ta` r`dnthv` k`ldhc` lnc e` o`nsur`k ey n cuoe`r jb jef`lthv` lrht`rhn,

hcldukhcg ta` w`dd-`stnedhsa`k Lns`-\ahdd`r Ajo` ]rhl` Hck`x. N pjrthjc jb tahs

djst ajo` vndu` hs nttrheutned` tj ajo`s bjr`ldjs`k ns n r`sudt jb W`dds Bnrgj‘s

khslrhohcntjry djnc prnlthl`s.

2<. [a` k`lr`ns`k prjp`rty vndu`s jb bjr`ldjs`k ajo`s hc turc r`kul`

prjp`rty tnx r`v`cu`s tj ta` Lhty nck ljcsthtut` knong`s subb`r`k ey Jnidnck.

55 \`` attp6//www.r`ndtytrnl.ljo/ljct`ct/c`ws-nck-jphchjc/sajrt-snd`s-hclr`nshcg-hc-5=>5--sajrt -snd`-prjl`ss----r`ndtytrnl-75=;.

5< \`` attp6//www.r`ndtytrnl.ljo/ljct`ct/bjr`ldjsur`-onri`t-r`pjrt/us-bjr`ldjsur`-snd`s-nck-sajrt-snd`s-r`pjrt-q>-5=><-77<5.

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`5< jb <1




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]rjp`rty tnx djss`s subb`r`k ey Jnidnck ns n r`sudt jb W`dds Bnrgj‘s bjr`ldjsur`s

nr` buddy lnpned` jb `ophrhlnd quncthbhlnthjc.

2;. Ujuthc`dy onhctnhc`k prjp`rty tnx nck jta`r kntn nddjw bjr ta` pr`lhs`

lndludnthjc jb ta` prjp`rty tnx r`v`cu`s djst ey ta` Lhty ns n khr`lt r`sudt jb

pnrthludnr W`dds Bnrgj bjr̀ ldjsur`s. Pshcg n w`dd-`stnedhsa`k stnthsthlnd r`gr`sshjc

t`lachqu` tant bjlus`s jc ̀ bb`lts jc c`hgaejrhcg prjp`rth`s, ta` Lhty lnc hsjdnt` ta`

djst prjp`rty vndu` nttrheutned` tj W`dds Bnrgj bjr`ldjsur`s brjo djss`s nttrheutned`

tj jta`r lnus`s, sula ns c`hgaejrajjk ljckhthjcs. [ahs t`lachqu`, icjwc ns

A`kjchl r`gr`sshjc, wa`c nppdh`k tj ajushcg onri`ts, hsjdnt`s ta` bnltjrs tant

ljctrheut` tj ta` vndu` jb n prjp`rty ey stukyhcg tajusncks jb ajushcg trncsnlthjcs.[ajs` bnltjrs hclduk` ta` shz` jb n ajo`, ta` cuoe`r jb e`krjjos nck entarjjos,

wa`ta`r ta` c`hgaejrajjk hs snb`, wa`ta`r c`hgaejrhcg prjp`rth`s nr` w`dd-

onhctnhc`k, nck ojr`. A`kjchl ncndyshs k`t`rohc`s ta` ljctrheuthjc jb `nla jb

ta`s` ajus` nck c`hgaejrajjk lanrnlt`rhsthls tj ta` vndu` jb n ajo`.

20. [a` cuoe`r jb bjr̀ ldjsur`s hc n c`hgaejrajjk hs jc` jb ta`

c`hgaejrajjk trnhts tant A`kjchl r`gr`sshjc lnc `xnohc`. A`kjchl r`gr`sshjc

nddjws bjr ta` lndludnthjc jb ta` hopnlt jc n prjp`rty‘s vndu` jb ta` bhrst bjr`ldjsur`

hc ldjs` prjxhohty (`.g., ⅙ jr ´ jb n ohd`), ta` nv`rng` hopnlt jb sues`qu`ct

bjr`ldjsur`s, nck ta` hopnlt jb ta` dnst bjr`ldjsur`.

22. Bjr`ldjsur`s nttrheutned` tj W`dds Bnrgj hc ohcjrhty c`hgaejrajjks

hc Jnidnck lnc e` ncndyz`k tarjuga A`kjchl r`gr`sshjc tj lndludnt` ta` r`sudthcg

djss hc ta` prjp`rty vndu`s jb c`nrey ajo`s. [ahs djss lnc e` khsthcguhsa`k brjo

ncy djss nttrheutned` tj cjc-W`dds Bnrgj bjr`ldjsur`s jr jta`r lnus`s. [a` djss hc

prjp`rty vndu` hc ohcjrhty c`hgaejrajjks hc Jnidnck nttrheutned` tj W d̀ds Bnrgj‘s

ucdnwbud nlts nck ljcs`qu`ct bjr`ldjsur`s lnc e` us`k tj lndludnt` ta` Lhty‘s

ljrr`spjckhcg djss hc prjp`rty tnx r`v`cu`s.

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`5; jb <1




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27. Rnrhjus stukh`s `stnedhsa tant A`kjchl r`gr`sshjc lnc e` us`k bjr tahs

purpjs`. N stuky puedhsa`k ey ta` Bncch` On` Bjucknthjc, ushcg Lahlngj ns nc

`xnopd`, k`t`rohc`k tant ̀ nla bjr`ldjsur` hs r`spjcshed` bjr nc nv`rng` k`ldhc` jb

npprjxhont`dy >.>% hc ta` vndu` jb `nla shcgd`-bnohdy ajo` whtahc nc `hgata jb n

ohd`.5; Nppdhlnthjc jb sula A`kjchl r̀ gr`sshjc o`tajkjdjgy tj kntn r`gudnrdy

onhctnhc`k ey Jnidnck lnc e` us`k tj quncthby pr`lhs`dy ta` prjp`rty tnx hcfury tj

ta` Lhty lnus`k ey W`dds Bnrgj‘s khslrhohcntjry d`ckhcg prnlthl`s nck r`sudthcg

bjr`ldjsur`s hc ohcjrhty c`hgaejrajjks.

21. Jta`r stukh`s anv` bjlus`k jc ta` hopnlt jb nenckjc`k ajo`s jc

surrjuckhcg prjp`rty vndu`s. N stuky hc ]ahdnk`dpahn, bjr ̀ xnopd`, bjuck tant ̀ nlaajo` whtahc >0= b``t jb nc nenckjc`k ajo` k`ldhc`k hc vndu` ey nc nv`rng` jb

$7,2579 ajo`s whtahc >0= tj 588 b``t k`ldhc`k hc vndu` ey $2,1>=9 nck ajo`s

whtahc <== tj ;;8 b``t k`ldhc`k hc vndu` ey $<,0;5.50

28. N Djs Ncg`d`s stuky r`pjrt`k, —Yh_t hs ljcs`rvnthv`dy `sthont`k tant

`nla bjr`ldjs`k prjp`rty whdd lnus` ta` vndu` jb c`hgaejrhcg ajo`s whtahc nc

`hgata jb n ohd` tj krjp =.8%.‟ [aus, —Yh_c Jnidnck, hopnlt`k ajo`jwc`rs ljudk

`xp`rh`cl` prjp`rty k`vndunthjc jb $0< ehddhjc.‟52 [ahs k`lr`ns`k prjp`rty vndu`

jb c`hgaejrhcg ajo`s hc turc r`kul`s prjp`rty tnx r`v`cu`s tj ta` Lhty.

7=. [a` stukh`s lht`k a`r`hc ahgadhgat ta` bjr`s``nehdhty jb tnx r`dnt`k

anro tj ta` Lhty ns ta` r`sudt jb bjr`ldjsur`s nrhshcg brjo hssuhcg ojr` `xp`cshv`

nck ahga`r rhsi djncs tj ohcjrhty ejrrjw`rs waj qundhbh`k bjr ojr` bnvjrned` djncs.

5; \`` Knc Hoo`rgduli & G`jbb \ohta, [a` @xt`rcnd Ljsts jb Bjr`ldjsur`6 [a` Hopnlt jb \hcgd`- Bnohdy Ojrtgng` Bjr`ldjsur`s jc ]rjp`rty Rndu`s, >7 Ajushcg ]jdhly K`ent` 07, 28 (5==2).

50 \`` Ncc` E. \adny & Gjrkjc Wahtonc, U`s`nrla bjr K`ojlrnly6 Dhcihcg Ljoouchty

Jrgnchzhcg nck U`s`nrla tj D`v`rng` Edhgat ]jdhly, nt 5> (5==;).

52 [a` Nddhncl` jb Lndhbjrchncs bjr Ljoouchty @opjw`ro`ct nck ta` Lndhbjrchn U`hcv`sto`ctLjndhthjc, [a` Wndd \tr``t Wr`lihcg Endd6 Want Bjr`ldjsur`s nr` Ljsthcg Djs Ncg`d`s C`hgaejrajjks, nt < (5=>>) (—Ljst tj Djs Ncg`d`s U`pjrt‟).





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K. Jnidnck Hs Hcfur`k E`lnus` Ht ]rjvhk`k nck \thdd Oust ]rjvhk`Ljstdy Ouchlhpnd \`rvhl`s bjr Bjr`ldjsur` ]rjp`rth`s hc OhcjrhtyC`hgaejrajjks ns n Khr`lt U`sudt jb Khslrhohcntjry DjncsJrhghcnt`k jr ]urlans`k ey W`dds Bnrgj

7>. W`dds Bnrgj bjr`ldjsur` prjp`rth`s lnus` khr`lt ljsts tj ta` Lhty

e`lnus` ta` Lhty hs r`quhr`k tj prjvhk` hclr`ns`k ouchlhpnd s`rvhl`s nt ta`s`

prjp`rth`s. @v`c prhjr tj ljopd`thjc jb ta` bjr`ldjsur` prjl`ss, kntn sajws tant

5=% jb ajo`s nr` vnlnt`k.57 [a`s` s`rvhl`s wjudk cjt anv` e``c c`l`ssnry hb ta`

prjp`rth`s ank cjt e``c bjr`ldjs`k upjc. Ojr`jv`r, ta`s` bjr`ldjsur`s r`sudthcg

brjo W`dds Bnrgj‘s ucdnwbud ljckult anv` ljctrheut`k tj ta` c`l`sshty bjr ta` Lhty

tj khv`rt `ss`cthnd ouchlhpnd s`rvhl`s tant wjudk anv` e``c uthdhz`k bjr jta`r

purpjs`s tj prjojt` ta` a`ndta, w`dbnr`, nck snb`ty jb hts r`shk`cts.

75. Bjr `xnopd`, ta` Lhty‘s ]jdhl` nck Bhr` K`pnrto`cts anv` s`ct, nck

whdd ljcthcu` tj s`ck p`rsjcc`d nck pjdhl`/bhr` v`ahld`s tj W`dds Bnrgj bjr`ldjsur`

prjp`rth`s tj r`spjck tj n vnrh`ty jb prjed`os, hcldukhcg hclr`ns`k vngrncly,

lrhohcnd nlthvhty, bhr` anznrks, nck tar`nts tj puedhl a`ndta nck snb`ty tant nrhs` nt

ta`s` prjp`rth`s e`lnus` jb ta`hr bjr`ldjsur` stntus. E`lnus` vhjd`ct lrho` ans

g`c`rnddy e``c bjuck tj hclr`ns` ku` tj bjr`ldjsur`s, ta` Jnidnck ]jdhl` nck Bhr`

K`pnrto`cts oust r`spjck tj lndds r`pjrthcg susphlhjus nlthvhty nt bjr`ldjsur`

prjp`rth`s nck p`rbjro jcgjhcg hcv`sthgnthjcs hcvjdvhcg lrhohcnd nlthvhty,

hcldukhcg gncg nlthvhty, nt ta`s` prjp`rth`s.

7<. [a` Jnidnck Euhdkhcg \`rvhl`s Khvhshjc ans k`vjt`k, nck whdd

ljcthcu` tj k`vjt` p`rsjcc`d tho` nck jut-jb-pjli`t bucks tj p`rbjro n cuoe`r jb

tnsis tant nrhs` nt ta`s` prjp`rth`s e`lnus` jb ta`hr bjr`ldjsur` stntus. [a`s`

hclduk`, eut nr` cjt dhoht`k tj ta` bjddjwhcg6 (n) hcsp`lt nck hssu` vhjdnthjcs hc

ljctrnv`cthjc jb Lndhbjrchn nck djlnd dnw9 (e) uck`rtni` r`nsjcned` pr`lnuthjcs tj

57 \`` attp6//www.r`ndtytrnl.ljo/ljct`ct/bjr`ldjsur`-onri`t-r`pjrt/jwc`r-vnlnt`k-bjr`ldjsur`-upknt`-777>.





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prjt`lt ta` puedhl nt kncg`rjus prjp`rty sht`s, hcldukhcg eut cjt dhoht`k tj `r`lthcg

npprjprhnt` payshlnd enrrh`rs nck ejnrkhcg-up kncg`rjus ljckhthjcs nt ta`

prjp`rth`s9 (l) ljckòc nck kòjdhsa vnlnct strultur`s k`ò`k nc hoohc`ct

anznrk tj puedhl snb`ty.

7;. [a` Lhty br`qu`ctdy ahr`s hck`p`ck`ct ljctrnltjrs tj p`rbjro l`rtnhc

s`rvhl`s, hcldukhcg, eut cjt dhoht`k tj, (h) ròjvhcg `xl`ss v`g`tnthjc nt vnlnct

prjp`rth`s, (hh) anudhcg nwny trnsa nck kèrhs nt vnlnct prjp`rth`s, (hhh) ejnrkhcg

vnlnct prjp`rty brjo lnsund `ctry, (hv) putthcg up b`clhcg tj s`lur` vnlnct

prjp`rth`s, nck (v) pnhcthcg nck ròjvhcg grnbbhth nt vnlnct prjp`rth`s.

70. [a` Jnidnck Lhty Nttjrc`y‘s Jbbhl` ans k`vjt`k, nck whdd ljcthcu` tjk`vjt` p`rsjcc`d tho` nck jut-jb-pjli`t r`sjurl`s p`rbjro n cuoe`r jb tnsis tant

nrhs` nt ta`s` prjp`rth`s e`lnus` jb ta`hr bjr`ldjsur` stntus. [a`s` hclduk`, eut nr`

cjt dhoht`k tj ta` bjddjwhcg6 (n) prjs`luthcg ljk` `cbjrlò`ct lns`s9 nck (e)

pursuhcg ljurt jrk`r`k hcfuclthjcs hcvjdvhcg n oyrhnk jb pjt`cthnd prjedòs nt

bjr`ldjsur` prjp`rth`s.

72. Ns stnt`k ey ta` Ljst tj Djs Ncg`d`s U`pjrt, —Yd_jlnd gjv`rco`ct

ng`clh`s anv` tj sp`ck ojc`y nck stnbb tho` jc edhgat`k bjr`ldjs`k prjp`rth`s,

prjvhkhcg onhct`cncl`, hcsp`lthjcs, trnsa ròjvnd, hclr`ns`k puedhl snb`ty lndds,

nck jta`r ljk` ̀ cbjrlò`ct s`rvhl`s …. U`spjckhcg tj ta`s` c``ks hs n gnrgnctunc

tnsi tant hcvjdv`s oudthpd` ng`clh`s nck oudthpd` d`v`ds jb djlnd gjv`rco`ct.‟51

77. Ojr`jv`r, ta` Npgnr-Kukn r`pjrt uck`rsljr`s ta` bjr`s``nehdhty jb

ouchlhpnd ljsts ns ta` r`sudt jb bjr`ldjsur`s nrhshcg brjo hssuhcg ojr` `xp`cshv`

nck ahga`r rhsi djncs tj ohcjrhty ejrrjw`rs waj qundhbh`k bjr ojr` bnvjrned` djncs.

51 [a` Wndd \tr``t Wr`lihcg Endd6 Want Bjr`ldjsur`s nr` Ljsthcg Djs Ncg`d`s C`hgaejrajjks, suprn, c. 5<.





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RHH.

\NO]D@ ]UJ]@U[H@\ HC [A@ LH[X JB JNIDNCK

N. Bjr`ldjsur`s

71. ]dnhcthbb ans pr`dhohcnrhdy hk`cthbh`k 815 ojr` `xp`cshv` nck ahga`r

rhsi djncs hssu`k tj ohcjrhty ejrrjw`rs ey W`dds Bnrgj hc Jnidnck e`tw``c 5==;-

5=>< tant r`sudt`k hc ljoo`clò`ct jb bjr`ldjsur` prjl``khcgs.58 [a` Lhty ans

ndr`nky hclurr`k, jr whdd hclur hc ta` butur`, knong`s ljrr`spjckhcg tj ̀ nla jb ta`s`

prjp`rth`s. N snopd` jb prjp`rty nkkr`ss`s ljrr`spjckhcg tj ta`s` bjr`ldjsur̀ s hs

s`t bjrta e`djw6

1<2 <>st \tr``t, Jnidnck, LN 8;2=1

55=1 0=ta Nv`cu`, Jnidnck, LN 8;2=>

7157 W`dk \tr``t, Jnidnck, LN 8;25>

521> 78ta Nv`cu`, Jnidnck, LN 8;2=0

E. ]r`kntjry Djncs Hssu`k \ues`qu`ct tj \`ptòe`r 5>, 5=><

78. W`dds Bnrgj ans ljcthcu`k tj hssu` pr`kntjry ojrtgng` djncs tj

ohcjrhth`s hc Jnidnck sues`qu`ct tj \`ptòe`r 5>, 5=><. N snopd` jb prjp`rty

nkkr`ss`s ljrr`spjckhcg tj ta` hssuncl` jb ta`s` djncs hs s`t bjrta e`djw6

5552 ;5ck Nv`cu`, Jnidnck 8;2=> (8/50/><)

>=552 Grnbbhnc \tr``t, Jnidnck 8;2=< (>=/>2/><)

8;== Grncnkn Nv`cu`, Jnidnck 8;2=0 (>5/>5/><)

8775 Nczn Nv`cu`, Jnidnck 8;2=0 (>5/5;/><)

58 ]dnhcthbb ncthlhpnt`s tant ht whdd e` ned` tj hk`cthby ojr` bjr`ldjsur`s r`sudthcg brjo ta` hssuncl`jb ojr` `xp`cshv` nck ahga`r rhsi djncs tj ohcjrhty ejrrjw`rs waj qundhbh`k bjr ojr` bnvjrned`djncs kurhcg tahs tho` p`rhjk whta ta` e`c`bht jb khsljv`ry. [ahs ljcldushjc k`rhv`s brjo ta` bnlttant e`lnus` jb l`rtnhc r`pjrthcg dhohtnthjcs, ta` puedhldy nvnhdned` ojrtgng` djnc kntnens`suthdhz`k ey ]dnhcthbb nr` cjt ns ljoprà`cshv` ns ta` ojrtgng` djnc kntnens`s onhctnhc`k ey nckhc ta` pjss`sshjc jb nc hssuhcg enci.





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RHHH.

LDNHO\ BJU U@DH@B

BHU\[ LDNHO BJU U@DH@B

(Rhjdnthjc jb ta` B`k`rnd Bnhr Ajushcg Nlt, ;5 P.\.L. §§ <2=>, `t s`q.)

1=. [a` Lhty r`p`nts nck hcljrpjrnt`s ey r`b`r`cl` ndd ndd`gnthjcs

ljctnhc`k hc ta` pr`l`khcg pnrngrnpas ns hb buddy s`t bjrta a`r`hc.

1>. [a` BAN‘s stnt`k purpjs` hs tj prjvhk`, —whtahc ljcsthtuthjcnd

dhohtnthjcs, bjr bnhr ajushcg tarjugajut ta` Pcht`k \tnt`s.‟

15. Hc ljctrnv`cthjc jb tant purpjs`, W`dds Bnrgj‘s nlts, pjdhlh`s, nck

prnlthl`s ns k`slrhe`k ljcsthtut` hct`cthjcnd d`ckhcg khslrhohcnthjc jc ta` enshs jb

rnl`. W`dds Bnrgj ans hct`cthjcnddy tnrg`t`k r`shk`cts jb pr`kjohcnctdy Nbrhlnc-

No`rhlnc nck Ahspnchl c`hgaejrajjks hc Jnidnck bjr khbb`r`ct tr`nto`ct tanc

r`shk`cts jb pr`kjohcnctdy waht` c`hgaejrajjks hc Jnidnck whta r`sp`lt tj

ojrtgng` d`ckhcg. W`dds Bnrgj ans hct`cthjcnddy tnrg`t`k r`shk`cts jb ta`s`

c`hgaejrajjks bjr ahga-ljst djncs whtajut r`gnrk tj ta`hr lr`kht qundhbhlnthjcs nck

whtajut r`gnrk tj wa`ta`r ta`y qundhby bjr ojr` nkvnctng`jus djncs, hcldukhcg

prho` djncs. W`dds Bnrgj ans hct`cthjcnddy tnrg`t`k r`shk`cts jb ta`s`c`hgaejrajjks bjr hclr`ns`k hct`r`st rnt`s, pjhcts, nck b``s, nck bjr jta`r

khsnkvnctng`jus djnc t`ros hcldukhcg, eut cjt dhoht`k tj, nkfustned` rnt`s,

pr`pnyo`ct p`cndth`s, nck enddjjc pnyo`cts. W`dds Bnrgj ans hct`cthjcnddy

tnrg`t`k r`shk`cts jb ta`s` c`hgaejrajjks bjr ucbnhr nck k`l`pthv` d`ckhcg

prnlthl`s hc ljcc`lthjc whta onri`thcg nck uck`rwrhthcg ojrtgng` djncs.

1<. W`dds Bnrgj‘s nlts, pjdhlh`s, nck prnlthl`s anv` ank nc nkv`rs` nck

khsprjpjrthjcnt` hopnlt jc Nbrhlnc-No`rhlncs nck Ahspnchls nck r`shk`cts jb

pr`kjohcnctdy Nbrhlnc-No`rhlnc nck Ahspnchl c`hgaejrajjks hc Jnidnck ns

ljopnr`k tj shohdnrdy shtunt`k waht`s nck r`shk`cts jb pr`kjohcnctdy waht`

c`hgaejrajjks hc Jnidnck. [ahs nkv`rs` nck khsprjpjrthjcnt` hopnlt hs ta` khr`lt





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r`sudt jb W`dds Bnrgj‘s pjdhlh`s jb prjvhkhcg khslr`thjc tj djnc jbbhl`rs nck jta`rs

r`spjcshed` bjr ojrtgng` d`ckhcg9 bnhdhcg tj ojchtjr tahs khslr`thjc tj `csur` tant

ejrrjw`rs w`r` e`hcg pdnl`k hc djnc prjkults jc n cjckhslrhohcntjry enshs wa`c

W`dds Bnrgj ank cjthl` jb whk`spr`nk prjkult pdnl`o`ct khspnrhth`s ens`k jc rnl`

nck cnthjcnd jrhghc9 ghvhcg djnc jbbhl`rs nck jta`rs r`spjcshed` bjr ojrtgng`

d`ckhcg dnrg` bhcnclhnd hcl`cthv`s tj hssu` djncs tj Nbrhlnc-No`rhlncs nck

Ahspnchls tant nr` ljstdh`r tanc e`tt`r djncs bjr wahla ta`y qundhby9 jta`rwhs`

`cljurnghcg nck khr`lthcg djnc jbbhl`rs nck jta`rs r`spjcshed` bjr ojrtgng`

d`ckhcg tj st``r ejrrjw`rs hctj ahga-ljst djncs jr djncs whta nkfustned` rnt`s,

pr`pnyo`ct p`cndth`s, jr enddjjc pnyo`cts whtajut r`gnrk bjr wa`ta`r ta`y qundhbybjr e`tt`r djncs, hcldukhcg eut cjt dhoht`k tj prho` djncs9 nck s`tthcg hct`r`st rnt`

lnps. [a`s` pjdhlh`s anv` lnus`k Nbrhlnc-No`rhlncs nck Ahspnchls nck r`shk`cts

jb pr`kjohcnctdy Nbrhlnc-No`rhlnc nck Ahspnchl c`hgaejrajjks hc Jnidnck tj

r`l`hv` ojrtgng` djncs brjo W`dds Bnrgj tant anv` ont`rhnddy d`ss bnvjrned` t`ros

tanc ojrtgng` djncs ghv`c ey W`dds Bnrgj tj shohdnrdy shtunt`k waht`s nck

r`shk`cts jb pr`kjohcnctdy waht` c`hgaejrajjks hc Jnidnck, nck tant nr`

ont`rhnddy ojr` dhi`dy tj r`sudt hc bjr`ldjsur`.

1;. W`dds Bnrgj‘s r`shk`cthnd d`ckhcg-r`dnt`k nlts, pjdhlh`s, nck prnlthl`s

ljcsthtut` r`v`rs` r`kdhchcg nck vhjdnt` ta` Bnhr Ajushcg Nlt ns6

(n) Khslrhohcnthjc jc ta` enshs jb rnl` nck cnthjcnd jrhghc hc

onihcg nvnhdned`, jr hc ta` t`ros nck ljckhthjcs jb, r`shk`cthnd r`nd `stnt`-r`dnt`k

trncsnlthjcs, hc vhjdnthjc jb ;5 P.\.L. § <2=0(n)9 nck

(e) Khslrhohcnthjc jc ta` enshs jb rnl` nck cnthjcnd jrhghc hc

ta` t`ros, ljckhthjcs, jr prhvhd`g`s jb snd` jb n kw`ddhcg, hc vhjdnthjc jb ;5 P.\.L.

§ <2=;(e).

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`<= jb <1




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10. W`dds Bnrgj‘s pjdhlh`s jr prnlthl`s nr` cjt fusthbh`k ey eushc`ss

c`l`sshty jr d`ghthont` eushc`ss hct`r`sts.

12. W`dds Bnrgj‘s pjdhlh`s nck prnlthl`s nr` ljcthcuhcg.

17. [a` Lhty hs nc —nggrh`v`k p`rsjc‟ ns k`bhc`k ey ;5 P.\.L. § <2=5(h)

nck ans subb`r`k knong`s ns n r`sudt jb W`dds Bnrgj‘s ljckult.

11. [a` Lhty‘s knong`s hclduk` djst tnx r`v`cu`s nck ta` c``k tj prjvhk`

hclr`ns`k ouchlhpnd s`rvhl`s. [a` djss jb tnx r`v`cu`s nt sp`lhbhl bjr`ldjsur` sht`s

nck nt ldjs`dy c`hgaejrhcg prjp`rth`s hc pr`kjohcnctdy ohcjrhty c`hgaejrajjks jb

ta` Lhty wns n bjr`s``ned` ljcs`qu`cl` tant wns bnhrdy trnl`ned` tj W`dds Bnrgj‘s

khslrhohcntjry d`ckhcg. Dhi`whs`, ta` c``k tj prjvhk` hclr`ns`k ouchlhpnd s`rvhl`snt edhgat`k bjr`ldjsur` sht`s hc pr`kjohcnctdy ohcjrhty c`hgaejrajjks jb ta` Lhty

wns n bjr`s``ned` ljcs`qu`cl` tant wns bnhrdy trnl`ned` tj W`dds Bnrgj‘s

khslrhohcntjry d`ckhcg.

18. W`dds Bnrgj‘s pjdhlh`s nck prnlthl`s, ns k`slrhe`k a`r`hc, ank ta`

purpjs` nck `bb̀ lt jb khslrhohcnthcg jc ta` enshs jb rnl` jr cnthjcnd jrhghc. [a`s`

pjdhlh`s nck prnlthl`s w`r` hct`cthjcnd, whddbud, jr hopd`o`ct`k whta r`lid`ss

khsr`gnrk bjr ta` rhgats jb Nbrhlnc-No`rhlnc nck Ahspnchl ejrrjw`rs.

8=. [a` Lhty ans suestncthnd hct`r`st hc pr`v`cthcg khslrhohcntjry d`ckhcg

tant lnus`s khsprjpjrthjcnt`dy ohcjrhty ajo` bjr`ldjsur`s whtahc hts ejucknrh`s,

hc pr`v`cthcg s`gr`gnt`k nr`ns wa`r` ohcjrhty djncs nr` ojr` dhi`dy tj bjr`ldjs`,

nck hc ajdkhcg encis nlljuctned` bjr knong`s nrhshcg brjo tant khslrhohcntjry

d`ckhcg. Nlljrkhcgdy, ta` Lhty‘s hct`r`sts hc jetnhchcg hcfuclthv` r`dh`b tj pr ̀ v`ct

sula khslrhohcnthjc nck hc r`o`kyhcg ta` edhgat nck r`ljv`rhcg ta` djst prjp`rty

tnx`s r`sudthcg brjo ta` khsprjpjrthjcnt`dy ohcjrhty ajo` bjr`ldjsur`s hc Jnidnck

nr` khr`ltdy r`dnt`k tj `csurhcg —bnhr ajushcg tarjugajut ta` Pcht`k \tnt`s.‟

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`<> jb <1




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8>. Hc kjhcg ta` nlts a`r`hc ndd`g`k, W`dds Bnrgj nlt`k whta jppr`sshjc,

brnuk, ondhl`, nck hc r`lid`ss jr whddbud khsr`gnrk jb ta` Lhty‘s rhgats, nck Jnidnck

ta`r`bjr` nr` `cthtd`k tj puchthv` knong`s hc nc nojuct nlljrkhcg tj prjjb nt ta`

tho` jb trhnd.

\@LJCKLDNHO BJU U@DH@B

(Rhjdnthjc jb ta` Lndhbjrchn Bnhr @opdjyo`ct nck Ajushcg Nlt

Gjv‘t Ljk` §§ >58==, `t s`q.)

85. [a` Lhty r`p`nts nck hcljrpjrnt`s ey r`b`r`cl` ndd ndd`gnthjcs

ljctnhc`k hc ta` pr`l`khcg pnrngrnpas ns hb buddy s`t bjrta a`r`hc.

8<. B@AN s``is tj prjaheht khslrhohcnthjc jc ta` enshs jb rnl` nck

cnthjcnd jrhghc r`gnrkhcg ta` purlans` jb ajushcg whtahc Lndhbjrchn.

8;. Hc ljctrnv`cthjc jb tant purpjs`, W`dds Bnrgj‘s nlts, pjdhlh`s, nck

prnlthl`s ns k`slrhe`k ljcsthtut` d`ckhcg khslrhohcnthjc jc ta` enshs jb rnl`. W`dds

Bnrgj ans tnrg`t`k r`shk`cts jb pr`kjohcnctdy Nbrhlnc-No`rhlnc nck Ahspnchl

c`hgaejrajjks hc Jnidnck bjr khbb`r`ct tr`nto`ct tanc r`shk`cts jb pr`kjohcnctdy

waht` c`hgaejrajjks hc Jnidnck whta r`sp`lt tj ojrtgng` d`ckhcg. W`dds Bnrgjans tnrg`t`k r`shk`cts jb ta`s` c`hgaejrajjks bjr ahga-ljst djncs whtajut r`gnrk tj

ta`hr lr`kht qundhbhlnthjcs nck whtajut r`gnrk tj wa`ta`r ta`y qundhby bjr ojr`

nkvnctng`jus djncs, hcldukhcg prho` djncs. W`dds Bnrgj ans tnrg`t`k r`shk`cts jb

ta`s` c`hgaejrajjks bjr hclr`ns`k hct`r`st rnt`s, pjhcts, nck b``s, nck bjr jta`r

khsnkvnctng`jus djnc t`ros hcldukhcg, eut cjt dhoht`k tj, nkfustned` rnt`s,

pr`pnyo`ct p`cndth`s, nck enddjjc pnyo`cts. W`dds Bnrgj ans tnrg`t`k r`shk`cts jb

ta`s` c`hgaejrajjks bjr ucbnhr nck k`l`pthv` d`ckhcg prnlthl`s hc ljcc`lthjc whta

onri`thcg nck uck`rwrhthcg ojrtgng` djncs.

80. W`dds Bnrgj‘s nlts, pjdhlh`s, nck prnlthl`s anv` ank nc nkv`rs` nck

khsprjpjrthjcnt` hopnlt jc Nbrhlnc-No`rhlncs nck Ahspnchls nck r`shk`cts jb

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`<5 jb <1




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pr`kjohcnctdy Nbrhlnc-No`rhlnc nck Ahspnchl c`hgaejrajjks hc Jnidnck ns

ljopnr`k tj shohdnrdy shtunt`k waht`s nck r`shk`cts jb pr`kjohcnctdy waht`

c`hgaejrajjks hc Jnidnck. [ahs nkv`rs` nck khsprjpjrthjcnt` hopnlt hs ta` khr`lt

r`sudt jb W`dds Bnrgj‘s pjdhlh`s jb prjvhkhcg khslr`thjc tj djnc jbbhl`rs nck jta`rs

r`spjcshed` bjr ojrtgng` d`ckhcg9 bnhdhcg tj ojchtjr tahs khslr`thjc tj `csur` tant

ohcjrhty ejrrjw`rs w`r` pdnl`k hc d`ss `xp`cshv` djnc prjkults bjr wahla ta`y

w`r` qundhbh`k wa`c W`dds Bnrgj ank cjthl` jb whk`spr`nk prjkult pdnl`o`ct

khspnrhth`s ens`k jc rnl` nck cnthjcnd jrhghc9 ghvhcg djnc jbbhl`rs nck jta`rs

r`spjcshed` bjr ojrtgng` d`ckhcg dnrg` bhcnclhnd hcl`cthv`s tj hssu` djncs tj

Nbrhlnc-No`rhlncs nck Ahspnchls tant nr` ljstdh`r tanc e`tt`r djncs bjr wahla ta`yqundhby9 jta`rwhs` `cljurnghcg nck khr`lthcg djnc jbbhl`rs nck jta`rs r`spjcshed`

bjr ojrtgng` d`ckhcg tj st``r ejrrjw`rs hctj ojr` ̀ xp`cshv` nck ahga`r rhsi djncs

whtajut r`gnrk bjr wa`ta`r ta`y qundhby bjr d`ss ̀ xp`cshv` djncs9 bnhdhcg tj prjp`rdy

uck`rwrht` djncs tj ohcjrhty ejrrjw`rs k`spht` anvhcg `xt`cshv` ncndythlnd tjjds

nck kntn tj p`rbjro tahs tnsi. [ahs cjc-`xanusthv` dhst jb pjdhlh`s anv` lnus`k

Nbrhlnc-No`rhlncs nck Ahspnchls nck r`shk`cts jb pr`kjohcnctdy Nbrhlnc-

No`rhlnc nck Ahspnchl c`hgaejrajjks hc Jnidnck tj r`l`hv` ojrtgng` djncs brjo

W`dds Bnrgj tant nr` ojr` `xp`cshv` nck anv` ahga`r rhsi b`ntur`s tanc ojrtgng`

djncs ghv`c ey W`dds Bnrgj tj shohdnrdy shtunt`k waht`s nck r`shk`cts jb

pr`kjohcnctdy waht` c`hgaejrajjks hc Jnidnck nck nr` ojr` dhi`dy tj r`sudt hc

knong`s tj ta` Lhty.

82. W`dds Bnrgj‘s r`shk`cthnd d`ckhcg-r`dnt`k nlts, pjdhlh`s, nck prnlthl`s

ljcsthtut` r`v`rs` r`kdhchcg nck r`kdhchcg nck vhjdnt` B@AN6

(n) Khslrhohcnthjc jc ta` enshs jb rnl` nck cnthjcnd jrhghc hc

prjvhkhcg bhcnclhnd nsshstncl` bjr ta` purlans` jb ajushcg, hc vhjdnthjc jb

Lndhbjrchn Gjv`rco`ct Ljk` § >5800(`)9 nck

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`<< jb <1




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(e) Khslrhohcnthjc jc ta` enshs jb rnl` nck cnthjcnd jrhghc hc

onihcg nvnhdned`, jr hc ta` t`ros nck ljckhthjcs jb, r`shk`cthnd r`nd `stnt`-r`dnt`k

trncsnlthjcs, hc vhjdnthjc jb Lndhbjrchn Gjv`rco`ct Ljk` § >5800(h).

87. W`dds Bnrgj‘s pjdhlh`s jr prnlthl`s nr` cjt fusthbh`k ey eushc`ss

c`l`sshty jr d`ghthont` eushc`ss hct`r`sts.

81. W`dds Bnrgj‘s pjdhlh`s nck prnlthl`s nr` ljcthcuhcg.

88. [a` Lhty hs nc —nggrh`v`k p`rsjc‟ ns k`bhc`k ey Gjv‘t Ljk` §

>5818.> nck ans subb`r`k knong`s ns n r`sudt jb W`dd Bnrgj‘s ljckult.

>==. [a` Lhty‘s knong`s hclduk` djst tnx r`v`cu`s nck ta` c``k tj prjvhk`

hclr`ns`k ouchlhpnd s`rvhl`s. [a` djss jb tnx r`v`cu`s nt sp`lhbhl bjr`ldjsur` sht`snck nt ldjs`dy c`hgaejrhcg prjp`rth`s hc pr`kjohcnctdy ohcjrhty c`hgaejrajjks jb

ta` Lhty wns n bjr`s``ned` ljcs`qu`cl` tant wns bnhrdy trnl`ned` tj W`dds Bnrgj‘s

khslrhohcntjry d`ckhcg. Dhi`whs`, ta` c``k tj prjvhk` hclr`ns`k ouchlhpnd s`rvhl`s

nt edhgat`k bjr`ldjsur` sht`s hc pr`kjohcnctdy ohcjrhty c`hgaejrajjks jb ta` Lhty

wns n bjr`s``ned` ljcs`qu`cl` tant wns bnhrdy trnl`ned` tj W`dds Bnrgj‘s

khslrhohcntjry d`ckhcg.

>=>. W`dds Bnrgj‘s pjdhlh`s nck prnlthl`s, ns k`slrhe`k a`r`hc, ank ta`

purpjs` nck `bb`lt jb khslrhohcnthcg jc ta` enshs jb rnl` jr cnthjcnd jrhghc. [a`s`

pjdhlh`s nck prnlthl`s w`r` hct`cthjcnd, whddbud, jr hopd`o`ct`k whta r`lid`ss

khsr`gnrk bjr ta` rhgats jb Nbrhlnc-No`rhlnc nck Ahspnchl ejrrjw`rs.

>=5. [a` Lhty ans suestncthnd hct`r`st hc pr`v`cthcg khslrhohcntjry d`ckhcg

tant lnus`s khsprjpjrthjcnt`dy ohcjrhty ajo` bjr`ldjsur`s whtahc hts ejucknrh`s,

hc pr`v`cthcg s`gr`gnt`k nr`ns wa`r` ohcjrhty djncs nr` ojr` dhi`dy tj bjr`ldjs`,

nck hc ajdkhcg encis nlljuctned` bjr knong`s nrhshcg brjo tant khslrhohcntjry

d`ckhcg. Nlljrkhcgdy, ta` Lhty‘s hct`r`sts hc jetnhchcg hcfuclthv` r`dh`b tj pr`v`ct

sula khslrhohcnthjc nck hc r`o`kyhcg ta` edhgat nck r`ljv`rhcg ta` djst prjp`rty

Lns`<6>0-lv-=;<5>-\I Kjluo`ct> Bhd`k=8/5>/>0 ]ng`<; jb <1




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tnx`s r`sudthcg brjo ta` khsprjpjrthjcnt`dy ohcjrhty ajo` bjr`ldjsur`s hc Jnidnck

nr` khr`ltdy r`dnt`k tj `csurhcg —bnhr ajushcg tarjugajut ta` Pcht`k \tnt`s.‟

>=<. Hc kjhcg ta` nlts a`r`hc ndd`g`k, W`dds Bnrgj nlt`k whta jppr`sshjc,

brnuk, ondhl`, nck hc r`lid`ss jr whddbud khsr`gnrk jb ta` Lhty‘s rhgats, nck Jnidnck

ta`r`bjr` nr` `cthtd`k tj puchthv` knong`s hc nc nojuct nlljrkhcg tj prjjb nt ta`

tho` jb trhnd.

[AHUK LDNHO BJU U@DH@B

(Ljoojc Dnw Ldnho Bjr Pcfust @crhlao`ct)

>=;. [a` Lhty r`p`nts nck hcljrpjrnt`s ey r`b`r`cl` ndd pr`l`khcg

pnrngrnpas ns hb buddy s`t bjrta a`r`hc.>=0. W`dds Bnrgj ans r`l`hv`k nck uthdhz`k e`c`bhts k`rhv`k brjo n vnrh`ty

jb ouchlhpnd s`rvhl`s, hcldukhcg pjdhl` prjt`lthjc, ns w`dd ns zjchcg jrkhcncl`s,

tnx dnws, nck jta`r dnws nck s`rvhl`s tant anv` `cned`k K`b`ckncts tj jp`rnt` nck

prjbht whtahc ta` Lhty jb Jnidnck wahd` `cgnghcg hc n d`cgtay pntt`rc nck prnlthl`

jb ucdnwbud nlthvhty. W`dds Bnrgj hs cjt d`gnddy `cthtd`k tj ta` e`c`bhts jb ta`s`

s`rvhl`s tj ta` `xt`ct ta`y w`r` uthdhz`k tj burta`r ta` ucdnwbud ljckult ndd`g`k

a`r`hc.

>=2. K`b`ckncts nr̀ nwnr` jb nck anv` tni`c nkvnctng` jb ta` s`rvhl`s nck

dnws prjvhk`k ey ta` Lhty jb Jnidnck tj burta`r ta`hr ucdnwbud eushc`ss`s prnlthl`s.

>=7. Ns n khr`lt nck prjxhont` r`sudt jb K`b`ckncts‘ pr`kntjry d`ckhcg

prnlthl`s, K`b`ckncts anv` e``c ̀ crhla`k nt ta` Lhty‘s ̀ xp`cs` ey uthdhzhcg e`c`bhts

ljcb`rr`k ey ta` Lhty nck, rnta`r tanc `cgnghcg hc dnwbud d`ckhcg prnlthl`s,

prnlthlhcg ucdnwbud d`ckhcg prnlthl`s tant anv` ejta k`ch`k ta` Lhty r`v`cu`s ht

ank prjp`rdy ̀ xp`lt`k tarjuga prjp`rty nck jta`r tnx pnyo`cts nck ey ljsthcg ta`

Lhty nkkhthjcnd ojch`s bjr s`rvhl`s ht wjudk cjt anv` ank tj prjvhk` hc ta`

c`hgaejrajjks nbb`lt`k ey bjr`ldjsur`s ku` tj pr`kntjry d`ckhcg, nes`ct ta`





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K`b`ckncts‘ ucdnwbud nlthvhth`s. Nkkhthjcnddy, ey bjr`ldjshcg jc ta` prjp`rth`s bjr

wahla W`dds Bnrgj hssu`k pr`kntjry djncs, ta` Lhty `xp`ck`k jta`rwhs`

ucc`l`ssnry `xt`rcndhth`s tj prjt`lt ta` prjp`rth`s nlquhr`k ey K`b`ckncts hc

bjr`ldjsur`, hcldukhcg, nt n ohchouo, hclr`ns`k pjdhl` prjt`lthjc. K`b`ckncts

w`r` sp`lhnddy e`c`bhtt`k ns ta` c`w jwc`rs jb ta`s` prjp`rth`s. K`b`ckncts anv`

bnhd`k tj ròht tajs` wrjcgbuddy jetnhc`k e`c`bhts jr r`hoeurs` ta` Lhty bjr hts ljsts

hoprjp`rdy lnus`k ey K`b`ckncts, nck r`t`cthjc jb ta` e`c`bhts ey K`b`ckncts

wjudk e` ucfust whtajut pnyo`ct.

>=1. Hc nkkhthjc, tj hts k`trho`ct ta` Lhty ans pnhk bjr ta` K`b`ckncts‘

`xt`rcndhth`s jr K`b`ckncts‘ ljsts jb anro lnus`k ey hts ojrtgng` d`ckhcgkhslrhohcnthjc, hc lhrluostncl`s wa`r` K`b`ckncts nr` nck anv` e``c nwnr` jb tahs

jevhjus e`c`bht nck r`t`cthjc jb sula e`c`bht wjudk e` ucfust.

K@ONCK BJU FPUX [UHND

>=8. ]dnhcthbb a`r̀ ey kòncks n trhnd ey fury hc tahs nlthjc jc ndd hssu`s sj

trhned`.

]UNX@U BJU U@DH@B

WA@U@BJU@, ta` Lhty r`sp`ltbuddy prnys tant ta` Ljurt grnct ht ta`

bjddjwhcg r`dh`b6

N. @ct`r n k`ldnrntjry fukgo`ct tant ta` bjr`gjhcg nlts, pjdhlh`s, nck

prnlthl`s jb W`dds Bnrgj vhjdnt` ta` BAN ;5 P.\.L. §§ <2=; nck <2=0 nck

Lndhbjrchn Gjv`rco`ct Ljk` § >58==, `t s`q.9

E. @ct`r n p`ronc`ct hcfuclthjc ̀ cfjhchcg W`dds Bnrgj nck hts khr`ltjrs,

jbbhl`rs, ng`cts, nck òpdjy``s brjo ljcthcuhcg ta` khslrhohcntjry ljckult

k`slrhe`k a`r`hc, nck khr`lthcg W`dds Bnrgj nck hts khr`ltjrs, jbbhl`rs, ng`cts, nck

òpdjy``s tj tni` ndd nbbhronthv` st`ps c`l`ssnry tj rò`ky ta` `bb`lts jb ta`





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khslrhohcntjry ljckult k`slrhe`k a`r`hc, nck tj pr`v`ct nkkhthjcnd hcstncl`s jb

sula ljckult jr shohdnr ljckult brjo jllurrhcg hc ta` butur`, pursunct tj ;5 P.\.L.

§ <2><(l)(>) nck Lndhbjrchn Gjv`rco`ct Ljk` § >5818.59

L. Nwnrk ljop`csntjry knong`s tj ta` Lhty hc nc nojuct tj e`

k`t`rohc`k ey ta` fury tant wjudk buddy ljop`csnt` ta` Lhty jb Jnidnck bjr hts

hcfurh`s lnus`k ey ta` ljckult jb W`dds Bnrgj ndd`g`k a`r`hc, pursunct tj ;5 P.\.L.

§ <2><(l)(>) nck Lndhbjrchn Gjv`rco`ct Ljk` § >5818.59

K. Nwnrk puchthv` knong`s tj ta` Lhty hc nc nojuct tj e` k`t`rohc`k

ey ta` fury tant wjudk puchsa W`dds Bnrgj bjr ta` whddbud, wnctjc, nck r`lid`ss

ljckult ndd`g`k a`r`hc, nck tant wjudk `bb`lthv`dy k`t`r shohdnr ljckult hc ta`butur`, pursunct tj ;5 P.\.L. § <2><(l)(>) nck Lndhbjrchn Gjv`rco`ct Ljk`

§ >5818.59

@. Nwnrk ta` Lhty hts r`nsjcned` nttjrc`ys‘ b``s nck ljsts, pursunct tj

;5 P.\.L. § <2><(l)(5) nck Lndhbjrchn Gjv`rco`ct Ljk` § >5818.59

B. U`quhr` pnyo`ct jb pr`-fukgo`ct hct`r`st jc ojc`tnry knong`s9 nck

G. Jrk`r sula jta`r r`dh`b ns tahs Ljurt k`òs fust nck `quhtned`.

Knt`6 \`ptòe`r 5>, 5=>0 JNIDNCK LH[X N[[JUC@X

Ey6 (-) Enrenrn F. ]nri`r Enrenrn F. ]nri`r

Knt`k6 \`ptòe`r 5>, 5=>0 ]@U@[V & N\\JLHN[@\

Ey6 (-) Xjs`b ]`r`tz Xjs`b ]`r`tz

//////




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Knt`k6 \`pt`oe`r 5>, 5=>0 [UHND & N]]@DDN[@ U@\JPUL@\, ].L.

Ey6 (-) Fj`d Dhe`rsjc Fj`d Dhe`rsjc

Knt`k6 \`pt`oe`r 5>, 5=>0 L@C[@U BJU LJC\[H[P[HJCNDDH[HGN[HJC

Ey6 (-) Uje`rt \. ]`li Uje`rt \. ]`li

( prj anl vhl` p`ckhcg )


The City of Oakland sues Wells Fargo Bank for Mortgage Discrimination/Predatory Lending

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