UNITED STATES OF AMERICA v. WELLS FARGO BANK, N.A. Case 1:12-cv-07527-JMF APPENDIX TO MEMORANDUM OF...

7/28/2019 UNITED STATES OF AMERICA v. WELLS FARGO BANK, N.A. Case 1:12-cv-07527-JMF APPENDIX TO MEMORANDUM O…

http://slidepdf.com/reader/full/united-states-of-america-v-wells-fargo-bank-na-case-112-cv-07527-jmf-appendix 1/99

Mppbkaex

CRA Cmkagddl Bxjbrpts

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib = df 55



CRA Cmkagddl 1???+1 WBV.=Jcmptbr 7

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib 7 df 55



JCM_QBW 7+ NDWQIMIBB M__WDVM@

7.= WD@B DF NDWQIMIBB+ Qcb mutcdrety td pmrtejepmtb ek tcb AerbjtBkadrsbnbkt prdirmn es m preve`bib, irmktba dk tcb gmses dfabndkstrmtba qumèfejmtedks, bxpbrebkjb mka bxpbrtesb+ Qcbpreve`bib es nmektmekba gy rbjdnnbkaeki fdr ndrtimib eksurmkjbbkadrsbnbkt dk`y tcdsb ndrtimibs wcejc nbbt CRA iueabèkbs+ MAerbjt Bkadrsbnbkt ndrtimibb nust jdkaujt ets gusekbssdpbrmtedks ek mjjdramkjb wetc mjjbptba sduka ndrtimib `bkaekiprmjtejbs, btcejs mka stmkamras+

7.7 B@EIEGE@EQU WB]REWBNBKQZ+ Bmjc dffejb df m ndrtimibb #nmekdffejb mka grmkjcbs% nust gb mpprdvba gy tcb CRA FebàDffejb#s% td wcejc et ektbkas td sugnet ndrtimibs fdreksurmkjb+ Qcbrb es dkb bxjbptedk td tces ibkbrm` ru`b+ Mndrtimibb wcejc cms gbbk mpprdvba fdr Aerbjt Bkadrsbnbkt ek mt`bmst dkb CRA Febà Dffejb, nmy prdjbss mka sugnet strbmnèkbrbfekmkjb jmsbs td mky CRA Febà Dffejb mftbr kdtefyeki tcbdffejb df ets ektbktedks+ Ztrbmnèkb rbfekmkjbs mrb absjregba

ek Jcmptbr 1 df CRA Cmkagddl 1=22+=+

Qd gb mpprdvba ms m Aerbjt Bkadrsbnbkt ndrtimibb, mk mppèjmktnust nbbt mka nmektmek tcb fd``dweki rbquerbnbkts8

M+ Nust gb m CRA.mpprdvba ndrtimibb+ Qces ekjùabs supbrvesbandrtimibbs, kdk.supbrvesba ndrtimibbs mka idvbrknbktmèkstetutedks+ Ndrtimibbs mpprdvba gy CRA dk`y ms `dmkjdrrbspdkabkts mrb kdt bèieg`b td gb Aerbjt Bkadrsbnbktndrtimibbs< gut, nmy pmrtejepmtb td tcb ènetba bxtbktabsjregba ek pmrmirmpc 7.=: +

G+ Kdk.supbrvesba ndrtimibbs nust cmvb m kbt wdrtc ek mssbtsmjjbptmg`b td CRA df mt `bmst !72?,???+

J+ Cmvb fevb ybmrs bxpbrebkjb ek tcb dreiekmtedk df seki`bfmne`y ndrtimibs, dr cmvb m prekjepm` dffejbr wetc mnekenun df fevb ybmrs nmkmibrem` bxpbrebkjb ek tcbdreiekmtedk df seki`b fmne`y ndrtimibs+

A+ Cmvb dk stmff mk ukabrwretbr wcd nbbts tcb qumèfejmtedksstmtba ek pmrmirmpc 7.1 df tces jcmptbr mka cmssujjbssfu``y jdnp`btba m Aerbjt Bkadrsbnbkt trmekekiprdirmn+

B+ Cmvb abvb`dpba mka enp`bnbktba m ]umèty Jdktrd` _`mk wcejcmjjdnndamtbs tcb dghbjtevbs stmtba ek pmrmirmpc 7.6 df tces

jcmptbr+

F+ Cmvb smtesfmjtdre`y jdnp`btba tcb prb.j`dseki jmsb rbvebwpcmsb df Aerbjt Bkadrsbnbkt+

5$337.=

TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT7.: WB]REWBA ADJRNBKQZ+ Mky dffejb df m ndrtimibb #nmek dr grmkjc%

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib : df 55



wcejc ektbkas td sugnet ndrtimibs fdr eksurmkjb bkadrsbnbktnust mpp`y fdr mpprdvm` td tcb CRA Febà Dffejb#s% ek tcbhuresaejtedks wcbrb tcby ad gusekbss #sbb bxjbptedk kdtba ekpmrmirmpc 7.7%+ Qcb fd``dweki adjunbkts, ms mppèjmg`b, nustgb sugnettba+

M+ Mppèjmtedk fdr Mpprdvm`+ Qcb ndrtimibb es td jdnp`btbFdrn CRA.21==7, Mppèjmtedk fdr Mpprdvm` Ms AerbjtBkadrsbnbkt Ndrtimibb mka Kdnekmtedk df Rkabrwreteki_brsdkkb` #Mppbkaex =%+ Qcb ferst pmrt jdkjbrks gmsejndrtimibb bèiegeèty, ekjùaeki qumèfyeki stmtus mkaseki`b fmne`y dreiekmtedk bxpbrebkjb+ Ef tcb ndrtimibb#kdt kbjbssmre`y tcb pmrteju`mr grmkjc% cms kdt cma fevbybmrs seki`b fmne`y dreiekmtedk bxpbrebkjb, tcb mppèjmtedknust gb jdnp`btba td scdw sujc bxpbrebkjb gy prekjepm`dffejbrs+

G+ ]umèty Jdktrd` _`mk+ M jdpy df tcb ]umèty Jdktrd` _`mk+

J+ Kdnekmtedk mka Wbsunb df Rkabrwretbr+ Bmjc mppèjmtedk fdr

ndrtimibb mpprdvm` es td ekjùab m kdnekmtedk df tcbekaeveaum`#s% td sbrvb ms tcb ndrtimibb)s ukabrwretbr#s%+

Qcb kdnekmtedk ekjùabs m vbrefejmtedk gy tcb _rbseabkt drVejb _rbseabkt #dr dtcbr mutcdrezba jdrpdrmtb dffejbr% tcmttcb kdnekbb cms tcb mutcdrety td geka tcb jdrpdrmtedk mkatcb kdnekbb cms gbbk fduka td nbbt tcb qumèfejmtedks dfpmrmirmpc 7.1 df tces Jcmptbr+

M rbsunb nust gb sugnettba fdr bmjc ukabrwretbr kdnekmtba+Fdrn CRA.5726:, Mppèjmtedk fdr Fbb _brsdkkb` Abseikmtedk,nmy gb usba ek èbu df m rbsunb+ Ycbtcbr tcb rbsunb dr CRAfdrn es usba, ekfdrnmtedk prdveaba nust j`bmr`y scdw tcmttcb kdnekbb nbbts tcb qumèfejmtedks df pmrmirmpc 7.1 dftces Jcmptbr+

A+ Kdnekmtedks mka Wbsunbs df Qbjckejm` _brsdkkb`+ Ms pmrt dftcb mppèjmtedk, tcb ndrtimibb es td mavesb CRA wcbtcbr drkdt ndrtimibb stmff we`` gb usba td pbrfdrn mpprmesm`s,ekspbjtedks mka ndrtimib jrbaet mkm`ysbs+ Ms wetc tcbukabrwretbr, m rbsunb dr Fdrn CRA.5726: es td gb sugnettbafdr bmjc kdnekbb+ Qcb rbsunb dr tcb Fdrn CRA.5726: nustj`bmr`y scdw tcmt tcb tbjckejemk nbbts tcb mppèjmg`bqumèfejmtedks df pmrmirmpc 7.9 df tces Jcmptbr+ Ycbkuseki m rbsunb, ekjùab tcb ekfdrnmtedk rbquerba dk FdrnCRA.5726:+ Qcmt fdrn es mppbkaba td CRA Cmkagddl 1?7?+=+

B+ Rsb df Fdrn CRA.5726:, Mppèjmtedk fdr Fbb _brsdkkbÀbseikmtedk+ Ycbk useki Fdrn CRA.5726: td qumèfypbrsdkkb`, tcb fdrn nmy gb ndaefeba+ Etbns =1, =2, 77 mka71 nmy gb ab`btba+ Ek etbn 7:, jbrtefejmtedks m, g mka jnmy gb ab`btba+ Ef gbeki usba fdr tcb mpprdvm` df mkukabrwretbr, tcb tdp df tcb fdrn scduà gb sd kdtba+

5$337.7

TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT




1???+1 WBV.=JCI.7

TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT

#7.:%F+ Bveabkjb df _redr CRA Mpprdvm`+ Dkjb dkb dffejb df m ndrtimibb

cms gbbk mpprdvba gy m CRA Febà Dffejb, bveabkjb df tcmtmpprdvm` we`` fmjeètmtb sugsbqubkt mpprdvm` td ad gusekbss ekdtcbr CRA dffejbs+ Zene`mr`y, ef ndrtimibb tbjckejm` stmffektbka td qumèfy wetc ndrb tcmk dkb CRA Febà Dffejb, dkjb tcbferst mpprdvm` cms gbbk dgtmekba, bveabkjb df tcb mpprdvm` we``fmjeètmtb sugsbqubkt mpprdvm`s+ Ef m Aerbjt Bkadrsbnbktukabrwretbr cms m`rbmay gbbk mpprdvba gy dkb CRA Febà Dffejb,tcb Abpmrtnbkt we`` irmkt mutdnmtej mpprdvm` df tcb ukabrwretbrek mky CRA Febà Dffejb wcbrb tcb `bkabr es mpprdvba td adgusekbss+

=% Ndrtimibb Mpprdvm`+ Bmjc sugsbqubkt mppèjmtedk nust

ekjùab mk bxbjutba mppèjmtedk fdrn #Mppbkaex =% ekmaaetedk td m jdpy df tcb mpprdvm` `bttbr frdn mkdtcbr CRAFebà Dffejb+

7% Rkabrwretbr Mpprdvm`+ JCRNZ we`` rbjdikezb mkyukabrwretbr)s mpprdvm` ek m`` CRA dffejbs+ Dkjb mkukabrwretbr cms dgtmekba mpprdvm` mka m JCRNZ eabktefejmtedkkungbr, et we`` gb mutdnmtejm``y rbjdikezba ek bmjc FebàDffejb wcbrb m `bkabr cms gbbk mpprdvba td ad gusekbss+

:% Qbjckejemk Mpprdvm`+ M jdpy df mkdtcbr dffejb)s `bttbrmpprdveki tcb mpprmesbr dr ekspbjtdr scduà gb sugnettbawetc tcb mppèjmtedk fdrn+

7.1 RKABWYWEQBW+ Qcb ndrtimibb nust cmvb dk stmff m fu``.tenb bnp`dybb tdsbrvb ms ukabrwretbr+ Qcb ukabrwretbr nust gb m jdrpdrmtb dffejbrwetc seikmtdry mutcdrety dr dtcbrwesb mutcdrezba td geka tcb ndrtimibbek nmttbrs ekvd`veki tcb dreiekmtedk df ndrtimib `dmks+ Qcbukabrwretbr nmy gb bnp`dyba gy dk`y dkb ndrtimibb, mka tces fukjtedknmy kdt gb jdktrmjtba dut gy tcb dreiekmteki ndrtimibb+ Qcbukabrwretbr nust nbbt tcb qumèfejmtedks mka mssunb tcbrbspdksegeètebs wcejc fd``dw+

M+ ]umèfejmtedks+

=% Ibkbrm`+ Qcb ukabrwretbr nust gb m rbèmg`b mka rbspdkseg`bprdfbssedkm` sle``ba ek ndrtimib bvmùmtedk+ Qcb

ukabrwretbr nust gb mg`b td abndkstrmtb ces dr cbr lkdw`baibmka bxpbrebkjb rbimraeki tcb prekjep`bs df ndrtimibukabrwreteki+


7.:

TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT1???+1 WBV.=




JCI.7


#7.1M+%7% @djmtedk df Rkabrwretbr+ CRA cms kd rbquerbnbkt rbimraeki

tcb `djmtedk df tcb ukabrwretbr #e+b+ nmek dffejb dr grmkjcdffejb%+

:% Bxpbrebkjb+ Qcb ukabrwretbr nust cmvb m nekenun df tcrbbybmrs fu``.tenb rbjbkt bxpbrebkjb #dr bquevm`bkt bxpbrebkjb%rbvebweki gdtc jrbaet mppèjmtedks mka prdpbrty mpprmesm`s+Bxpbrebkjb rb`mtba sd`b`y td ndrtimib jrbaet dr mpprmesm`rbvebw jdukts fdr dkb.cm`f df tcb tdtm` rbquerbnbkt+

Qces bxpbrebkjb scduà cmvb gbbk wetc mk ekstetutedkm` ekvbstdrdreiekmteki fdr ets dwk pdrtfdèd dr purjcmseki tcbsb typbs dfndrtimib `dmks, dr wetc mk dreiekmtdr sb`èki tcbsb typbs dfndrtimib `dmks td ekvbstdrs+ Bxpbrebkjb nmy m`sd ekjùab qumètyjdktrd` rbvebws fdr ekvbstdrs, btj+

Qcb Ndrtimib Gmklbrs Mssdjemtedk df Mnbrejm #NGM% jdursb'Mpprmesm` Qbjckequbs fdr Aerbjt Bkadrsbnbkt Rkabrwretbrs'nmy gb sugstetutba fdr dkb fu`` ybmr df fu``.tenb bxpbrebkjbrbvebweki mpprmesm`s+

Qcb kdnekbb)s rbsunb nust ievb abtme`ba absjreptedks df hdgbxpbrebkjbs tcmt abndkstrmtb lkdw`baib df prekjep`bs,prmjtejbs, mka tbjckequbs df ndrtimib ukabrwreteki,ekjùaeki8 #=% rbm` bstmtb mpprmesm`, #7% ndrtimib jrbaetbvmùmtedks, #:% fmjtdrs mffbjteki prdpbrty vmùbs mka rbm`bstmtb trbkas+

G+ Febà Dffejb Wbvebw df Rkabrwretbr ]umèfejmtedks+ Bmjcukabrwretbr)s jrbabktem`s nust gb mkm`yzba mka tcb ukabrwretbrmpprdvba ek mt `bmst dkb CRA Febà Dffejb wcbrb tcb `bkabr esmpprdvba td ad gusekbss wetc tcb Abpmrtnbkt+ Qcb Febà Dffejbnust abtbrnekb tcmt tcb ukabrwretbr cms tcb bxpbrebkjb mka dtcbrqumèfejmtedks ms rbquerba mgdvb+ Qcb Febà Dffejb nust jdktmjtrbfbrbkjbs, fdrnbr bnp`dybrs, btj+, td abtbrnekb tcb vmèaety dftcb ukabrwretbr)s bxpbrebkjb j`mens+ Ef tcb ukabrwretbr)sbxpbrebkjb ekjùabs mavmkjba baujmtedk, ekjùaeki jd``bib.`bvb`jdursbs dr spbjemèzba trmekeki frdn prdveabrs sujc ms tcbNdrtimib Gmklbrs Mssdjemtedk dr dtcbr CRA Febà Dffejbs, tcbmpprdveki Febà Dffejb nmy rbquerb vbrefejmtedk tcmt tcbukabrwretbr sujjbssfu``y jdnp`btba tcb jdursb#s%+ Qcb FebàDffejb nmy m`sd rbqubst m prb.mpprdvm` nbbteki wetc tcb

ukabrwretbr, bspbjem``y ef tcbrb es mky ukjbrtmekty rbimraekibxpbrebkjb dr bxpbrtesb+


7.1


JCI.7





#7.1G+%Ek maaetedk, tcb CRA Febà Dffejb rbvebwbr nust jcbjl td nmlbsurb tcmt tcb ukabrwretbr cms kdt cma smkjtedks tmlbk mimekst cendr cbr dr dtcbrwesb gb èstba dk CRA)s Zuspbkaba mka Abgmrnbktèst, @enetba Abkem` df _mrtejepmtedk @est, dr mppbmr dk CRA)Jrbaet M`brt Ektbrmjtevb Vdejb Wbspdksb Zystbn+

J+ Wbspdksegeètebs+ CRA `ddls td tcb ukabrwretbr ms tcb fdjm`pdekt df tcb Aerbjt Bkadrsbnbkt prdirmn+ Qcb ukabrwretbr nustmssunb tcb fd``dweki rbspdksegeètebs+

=% Jdnpèmkjb wetc CRA ekstrujtedks, tcb jddraekmtedk df m``pcmsbs df ukabrwreteki, mka tcb qumèty df abjesedks nmabukabr tcb prdirmn+

7% Qcb rbvebw df mpprmesm` rbpdrts, jdnpèmkjb ekspbjtedks mkajrbaet mkm`ysbs pbrfdrnba gy fbb mka stmff pbrsdkkb` td

bksurb rbmsdkmg`b jdkjùsedks, sduka rbpdrts mka jdnpèmkjbwetc CRA rbquerbnbkts+

:% Qcb abjesedks rb`mteki td tcb mjjbptmgeèty df tcbmpprmesm`, tcb ekspbjtedks, tcb guybrs jmpmjety td rbpmy tcbndrtimib mka tcb dvbrm`` mjjbptmgeèty df tcb ndrtimib `dmkfdr CRA eksurmkjb+

1% Qcb ndketdreki mka bvmùmtedk df tcb pbrfdrnmkjb df fbb mkastmff pbrsdkkb` usba fdr tcb Aerbjt Bkadrsbnbkt prdirmn+

2% Mwmrbkbss df tcb wmrkeki seiks tcmt nmy ekaejmtberrbiu`mretebs, mka mk mgeèty td abtbjt frmua, ms wb`` mstcb rbspdksegeèty tcmt ukabrwreteki abjesedks mrb pbrfdrnbawetc aub aeèibkjb ek m pruabkt nmkkbr+

7.2 RKABWYWEQEKI _WDJBARWBZ+ Qcb ukabrwretbr)s rd`b mka rbspdksegeètymrb jretejm` b`bnbkts df tcb Aerbjt Bkadrsbnbkt prdirmn+

Qcb ukabrwretbr bxbjutbs tcb Rkabrwretbr Jbrtefejmtedk wcejc bkmg`bsCRA td bkadrsb tcb ndrtimib `dmk wetcdut m abtme`ba tbjckejmùkabrwreteki rbvebw+ Qcb ukabrwretbr jbrtefebs tcmt cb cms pbrsdkm``yrbvebwba tcb mppèjmtedk adjunbkts mka fekas jdnpèmkjb wetc tcbmppèjmg`b rbquerbnbkts+ Dkb df tcb ukabrwretbr)s rbspdksegeètebs,ms stmtba ek tcb prbvedus pmrmirmpc, es tcb jddraekmtedk df m`` pcmsbsdf tcb ukabrwreteki df tcb ndrtimib `dmk+ Qces rd`b bkmg`bs tcbukabrwretbr td bksurb tcmt pruabkt ukabrwreteki prdjbaurbs mrb

fd``dwba+


7.2


JCI.7




CRA Cmkagddl 1???+1, Mppbkaex :+




M__BKAES :

RKABWYWEQBW JBWQEFEJMQEDK

Qcb ukabrwretbr bxbjuteki fdrn CRA.21==: cms pbrsdkm``y rbvebwbatcb mpprmesm` rbpdrt #ef mppèjmg`b% mka jrbaet mppèjmtedk, ekjùaeki tcbmkm`yses pbrfdrnba dk tcb ndrtimib jrbaet mkm`yses wdrlscbbt, mkajbrtefebs, fdr mka dk gbcm`f df tcb ndrtimibb, tcmt tcb ndrtimib jdnpèbswetc CRA ukabrwreteki rbquerbnbkts ms jdktmekba ek m`` dutstmkaeki CRAcmkagddls mka Ndrtimibb @bttbrs, mka es ek jdnpèmkjb wetc tcb mppèjmg`brbiu`mtedks absjregba gb`dw+ Qcb ndrtimib `dmk es bèieg`b fdr ndrtimibeksurmkjb ukabr tcb Aerbjt Bkadrsbnbkt prdirmn+ Qces ukabrwretbrjbrtefejmtedk es ek maaetedk td mky jbrtefejmtedks rbquerba df tcbndrtimibb, tcb ndrtimidr, dr gdtc dk fdrn CRA.575??.M+ Ef m rbquerbnbktfrdn 71 JFW _mrt 7?: es ekjdrpdrmtba ek m aeffbrbkt rbiu`mtedk gyjrdss.rbfbrbkjb #b+i+, 7?:+1? ek Jbrtefejmtedk = es jrdss.rbfbrbkjba ek77=+=%, m rbfbrbkjb td tcb _mrt 7?: rbquerbnbkt ek m jbrtefejmtedk scm``

m`sd gb abbnba m rbfbrbkjb td bmjc ekstmkjb wcbrb tcb rbquerbnbkt esekjdrpdrmtba gy jrdss.rbfbrbkjb+ Bmjc df tcb gb`dw.èstba jbrtefejmtedks

mpp`y td tcb `dmk sugnettba fdr bkadrsbnbkt, bxjbpt td tcb bxtbkt tcbjbrtefejmtedk etsb`f abfekbs tcb setumtedk td wcejc et mppèbs+

#=% Qcb ndrtimiba prdpbrty es `djmtba ek m jdnnukety wcbrb tcb cdusekistmkamras mka `djmtedk nbbt tcb rbquerbnbkts df 71 JFW 7?:+1? dr7:1+6: #jdkadnekeuns%+

#7% Qcbrb es `djmtba dk tcb ndrtimiba prdpbrty m awb`èki uket abseikbaprekjepm``y fdr rbseabktem` usb fdr kdt ndrb tcmk fdur fmneèbs, msrbquerba gy 71 JFW 7?:+:3, dr fdr b`bvbk fmneèbs ef 77?+7? esmppèjmg`b+

#:% Qcb ndrtimib es bxbjutba gy m ndrtimidr wcd es td djjupy tcb awb`èkims m prekjepm` rbseabkjb #ms absjregba ek 71 JFW 7?:+=3#f%#=% dr7:1+79#b%#=%% dr, ef tcb ndrtimidr es m kdk.djjupmkt, tcb ndrtimidres bèieg`b ukabr 71 JFW 7?:+=3#f%#:%, 7:1+79#b%#:%, dr es purjcmsekitcb awb`èki frdn CRA+

#1% Qcb ndrtimidr)s ndktc`y ndrtimib pmynbkts we`` kdt gb ek bxjbss dfces dr cbr rbmsdkmg`b mgeèty td pmy, ms rbquerba betcbr ukabr 71JFW 7?:+7=, 7?:+12#a% #I_Ns%, 7?:+19#m% #IBNs%, 77?+=, dr7:1+:6 #jdkadnekeuns%+

#2% Qcb ndrtimidr)s ekjdnb es mka we`` gb mabqumtb td nbbt tcb pbredaejpmynbkts rbquerba td mndrtezb tcb ndrtimib sugnettba fdr eksurmkjb,ms rbquerba ukabr 71 JFW 7?:+::, dr 7:1+26 #jdkadnekeuns%+

#6% Qcb ndrtimidr)s ibkbrm` jrbaet stmkaeki es smtesfmjtdry, ms rbquerbaukabr 71 JFW 7?:+:1, dr 7:1+29+

_mib =

=7$57

TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT

#9% Qcb gueàekis dk tcb prdpbrty sbjurba gy tcb ndrtimib jdnp`y wetc




7?:+=9#b% mka prdpbrty stmkamras essuba gy CRA ms rbquerba gy tcbmppèjmg`b prdvesedks df 71 JFW pmrt 7??, sugpmrt Z, fdr prdpdsbajdkstrujtedk, mka 7?:+:5, 7?:+2?#a% #ef m Zbjtedk 7?:#l%ndrtimib%, 77?+=2 #urgmk rbkbwm`%, 7:1+72#a% #ef m jdkadnekeunuket% dr tcb stmkamras sbt fdrtc ek CRA cmkagddl 15?2+= fdrbxesteki jdkstrujtedk ms mppèjmg`b+

#3% Ek jmsbs wcbrb tcb ndrtimiba prdpbrty es sughbjt td m hukedrndrtimib dr èbk, tcb mppèjmg`b rbquerbnbkts df 71 JFW 7?:+:7#g%,#j% dr #a%, dr 7:1+22#g%, #j% dr #a% #jdkadnekeuns%, mrb nbt+

#5% Fdr m jdkadnekeun uket, tcb ndrtimiba prdpbrty es ek m prdhbjt tcmtcms gbbk mpprdvba gy CRA mka m`` dtcbr rbquerbnbkts ukabr 71 JFW7:1+76 mrb nbt+

#=?% Ek tcb jmsb df prdpdsba dr kbw jdkstrujtedk ek m kbw sugaevesedk,tcb prdpbrty jdvbrba gy tcb mppèjmtedk fdr eksurmkjb nbbts tcbrbquerbnbkts df 71 JFW 7?:+=7+

#==% Qcb prdpbrty jdvbrba gy tcb ndrtimib es kdt `djmtba ek mk mrbm tcmt

es prbjùaba frdn rbjbeveki Fbabrm` fekmkjem` mssestmkjb pursumkt tdtcb Jdmstm` Gmrrebr Wbsdurjbs Mjt #_ug+ @+ 59.:15%+

#=7% Ef tcb ndrtimib `dmk es fdr rbcmgeètmtedk ukabr Zbjtedk 7?:#l%,tcb ndrtimib m`sd nbbts tcb rbquerbnbkts df 7?:+2?#j% #awb`èkimt `bmst dkb ybmr dà%, 7?:+2?#a%#7% #nbbts bkbriy jdksbrvmtedkstmkamras%, mka 7?:+2?#b% #es mk mjjbptmg`b resl%+

#=:% Ef tcb prdpbrty es `djmtba ek mk dàbr abjèkeki urgmk mrbm mka estd gb eksurba ukabr Zbjtedk 77:#b% df Kmtedkm` Cduseki Mjt, et m`sdnbbts tcb maaetedkm` rbquerbnbkts df 71 JFW 7?:+1:m+

Z_BJEFEJ JBWQEFEJMQEDKZ FDW ZBJQEDK 7:2#r% NDWQIMIBZ+ Qcbjbrtefejmtedks jdktmekba ek Etbns #=% tcrduic #=:% ad kdt mpp`y tdndrtimibs eksurba ukabr Zbjtedk 7:2#r%+ Qcb jbrtefejmtedks wcejc admpp`y mrb tcb fd``dweki8

#=1% Qcb ndrtimidr nbbts m`` tcb bèiegeèty rbquerbnbkts df 71 JFW7:2+=7?7#g%#6%#e% tcrduic #veee%+

#=2% Qcb ndktc`y pmynbkts df prekjepm` mka ektbrbst mt tcb 7:2#r% ektbrbstrmtb dk tcb ndrtimib sugnettba fdr eksurmkjb mrb `bss tcmk tcbndktc`y pmynbkts df prekjepm` mka ektbrbst dk tcb ndrtimib gbekirbfekmkjba+

#=6% Qcb jdnputmtedk df tcb mndukt df mssestmkjb pmynbkts wcejc tcbZbjrbtmry we`` pmy dk gbcm`f df tcb ndrtimidr wms jdnputba ek

mjjdramkjb wetc tcb fdrnu`m jdktmekba ek 71 JFW 7:2+=7=?#m%+

_mib 7

=7$57

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib =? df 55



CRA Cmkagddl 1?6?+= Wbv.=Jcmptbr 6

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib == df 55



JCM_QBW 6JCMKIBZ ZRGZB]RBKQ QD M__WDVM@

6.= Wbpdrteki Gusekbss Jcmkibs+ M ndrtimibb es rbquerba td kdtefy tcbAbpmrtnbkt wetcek m spbjefeba kungbr df gusekbss amys df mky gusekbssjcmkib tcmt mffbjts ets stmkaeki ms mk mpprdvba ekstetutedk, dr wcejc jcmkibstcb ekfdrnmtedk dk wcejc et wms dreiekm``y mpprdvba+ Ibkbrm``y,kdtefejmtedk jdksests df m `bttbr td FCM, seikba gy mk bxbjutevb dffejbr dftcb ndrtimibb+ Jbrtmek jcmkibs nmy rbquerb maaetedkm` adjunbktmtedk+Qcb kdtejb nust gb sbkt dr fmxba td tcb Aerbjtdr, @bkabr Mpprdvm` mkaWbjbrtefejmtedk Aevesedk+ Fmeùrb td kdtefy CRA nmy `bma td prdjbssekiab`mys dr smkjtedks gy tcb Ndrtimibb Wbvebw Gdmra+

Qypb df JcmkibAmys_mrmirmpcJcmkib df cdnb dffejb `djmtedk dr tb`bpcdkb kungbr=?6&*37?5<7Jcmkib df grmkjc dffejb `djmtedk dr tb`bpcdkb kungbr=?6&*37?5<:Qbrnekmtedk df _rekjepm`. Mutcdrezba Mibkt Wb`mtedkscep=?6&*37?5<1Qbrnekmtedk df @dmk Jdrrbspdkabkt.Zpdksdr Mirbbnbkt=?6&*37?5<2_brnessedk fdr Zupbrvesba @dmk Jdrrbspdkabkt td sbrvejbYcbk Mpprdvm`

Wbquerba6&*37?5<6Jcmkib df Fesjm` Ubmr=?6&*37?5<9Jcmkib df kmnb=?6&*37?5<3Jcmkibs td 'Adeki Gusekbss Ms' #'agm'% kmnb=?6&*37?5<5@dss df AB ukabrwretbrEnnbaemtb6&*37?5<=?Jcmkib df sbkedr dffejbr=?6&*37?5<==Jcmkibs ek m pmrtkbrscepEnnbaemtb6.=7Jcmkib df scmrbcdàbr, dwkbrscep, dr jdktrd`=?6&*37?5<=:Jcmkibs ek jcmrtbr dr Fbabrm` Qmxpmybr EA Kungbr=?6&*37?5<=1Jcmkib ek jcmrmjtbr df gusekbss #prekjepm` mjtevety%=?6&*37?5<=2Jdkvbrsedk df ndrtimibb typbYcbk Mpprdvm` Wbquerba6&*37?5<=6Qypb df JcmkibAmys_mrmirmpcNbribr dr jdksdèamtedk=?6&*37?5<=9Zm`b dr mjquesetedk=?6&*37?5<=3Qbrnekmtedk df Zupbrvesedk=?6&*37?5<=5Qbrnekmtedk df feabèty gdka dr B&D eksurmkjb=?6&*37?5<7?Kbt Ydrtc Abfejebkjy:?6&*37?5<7=@equea Mssbts Abfejebkjy:?6&*37?5<77Dpbrmteki `dss:?6&*37?5<7:Gmklruptjy dr èqueamtedk:?6&*37?5<71Vdùktmry wetcarmwm`k$m6.72M`` dtcbr gusekbss jcmkibs=?6&*37?5<76

6.7 Jcmkib df Cdnb Dffejb @djmtedk dr Qb`bpcdkb Kungbr+ QcbAbpmrtnbkt nmektmeks tcb fd``dweki maarbssbs fdr tcb cdnb dffejb df mndrtimibb8

( Ibdirmpcej Maarbss, Maarbss wcbrb tcb dffejb es pcysejm``y `djmtba<( Nmeèki Maarbss, Maarbss td wcejc CRA jdrrbspdkabkjb es sbkt<( _rbneun Maarbss, Maarbss df tcb dffejb td wcejc prbneuns mrb td gbge``ba<( _mybb Maarbss, Maarbss es usba td nme` Mavejb df _mynbkt `bttbrs<( Jdkaetedkm` mka Fern Jdnnetnbkt #JCRNZ% Maarbss, Maarbss CRAwe`` usb td jdkaujt gusekbss rb`mteki td mppèjmtedks fdr eksurmkjb< mka( Bkadrsbnbkt Maarbss, Maarbss td wcejc tcb jdkfernmtedk we`` gb sbkt dfpmynbkt df tcb ñdkb.tenbö ndrtimib eksurmkjb prbneun+

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib =7 df 55



M+ Maarbss Jcmkibs+ Ndrtimibbs upamtb m`` df tcber maarbssbs vem tcberFCM Jdkkbjtedk mjjdukt+ Cdwbvbr, tcby nmy kdt jcmkib tcb ñZtmtbö pmrtdf tcb Ibdirmpcej Maarbss df tcb cdnb dffejb+ Ef mk dffejb cms rb`djmtba tdm aeffbrbkt Ztmtb, tcb ndrtimibb nust sugnet m rbqubst td tcb @bkabrMpprdvm` mka Wbjbrtefejmtedk Aevesedk td upamtb tcb maarbss+ M ndrtimibbwcdsb maarbss ek ekjdrrbjt fdr abèvbry df ets FCM JdkkbjtedkJddraekmtdrÆs rbiestrmtedk ekfdrnmtedk, scduà sugnet m rbqubst fdrjdrrbjtedk td tcb @bkabr Mpprdvm` mka Wbjbrtefejmtedk Aevesedk+

G+ Qb`bpcdkb mka Fmx Kungbrs mka Bnme` Maarbss+ Gbjmusb FCMdftbk cms m kbba td jdktmjt ndrtimibbs gy tb`bpcdkb dr fmx dr gy bnme`, mndrtimibb nust upamtb tces ekfdrnmtedk tcrduic tcb @bkabr Mpprdvm`fukjtedks df tcb FCM Jdkkbjtedk+ Qcb kungbrs mrb m`sd aesp`myba dksbmrjcmg`b èsts df FCM mpprdvba ndrtimibbs dk CRAÆs wbg setb+

6.: Jcmkib df Grmkjc Dffejb @djmtedk dr Qb`bpcdkb Kungbr+

M+ Yetcek tcb Zmnb Ztmtb+ Qcb ndrtimibb nust upamtb tcb maarbssbsfdr bmjc grmkjc tcrduic tcb @bkabr Mpprdvm` fukjtedks ukabr tcb FCMJdkkbjtedk+

G+ Qd Mkdtcbr Ztmtb+ M ndrtimibb jmkkdt jcmkib tcb ñZtmtbö pmrt dftcb Ibdirmpcej Maarbss df m grmkjc dffejb+ Ef mk dffejb cms rb`djmtba td maeffbrbkt Ztmtb, tcb ndrtimibb nust sugnet m rbqubst td tcb @bkabrMpprdvm` mka Wbjbrtefejmtedk Aevesedk td upamtb tcb maarbss+

6.1 Qbrnekmtedk df _rekjepm`.Mutcdrezba Mibkt Wb`mtedkscep+ Ef m_rekjepm`$Mutcdrezba Mibkt rb`mtedkscep es tbrnekmtba gy betcbr pmrty, tcbkbetcbr pmrty nust m`sd tbrnekmtb tcb rb`mtedkscep ek FCMÆs systbns vem tcb@bkabr Mpprdvm` fukjtedks ukabr tcb FCM Jdkkbjtedk+

6.2 Qbrnekmtedk df @dmk Jdrrbspdkabkt.Zpdksdr Wb`mtedkscep+ Ef m`dmk jdrrbspdkabkt$spdksdr rb`mtedkscep es tbrnekmtba gy betcbr pmrty, tcbkbetcbr pmrty nust m`sd tbrnekmtb tcb rb`mtedkscep ek FCMÆs systbns vem tcb@bkabr Mpprdvm` fukjtedks ukabr tcb FCM Jdkkbjtedk+ Gbjmusb m `dmkjdrrbspdkabkt nust cmvb mt `bmst dkb spdksdr, `dss df m`` spdksdrs esirdukas fdr FCM td wetcarmw tcb `dmk jdrrbspdkabkt)s mpprdvm`+ Ek sujcjmsbs, tcb `dmk jdrrbspdkabkt cms :? amys td bstmgèsc m rb`mtedkscep wetc mt`bmst dkb kbw spdksdr+ Ef tcb `dmk jdrrbspdkabkt fme`s td bstmgèsc m kbwZpdksdr rb`mtedkscep, tcbk ets FCM mpprdvm` we`` gb wetcarmwk+

6.6 _brnessedk fdr Zupbrvesba @dmk Jdrrbspdkabkt td Zbrvejb+ Rpdkmppèjmtedk td tcb Abpmrtnbkt, m supbrvesba `dmk jdrrbspdkabkt nmy gbirmktba pbrnessedk td sbrvejb ets dwk FCM.eksurba ndrtimibs+ Qcbñmppèjmtedkö jdksests df m `bttbr td tcb @bkabr Mpprdvm` mka WbjbrtefejmtedkAevesedk+ Ibkbrm``y, pbrnessedk es irmktba dk`y wcbk tcb ndrtimibb cmsjdkvbrtba frdn m supbrvesba ndrtimibb mka cms mk dutstmkaeki pdrtfdèd df

FCM.eksurba ndrtimibs+

6.9 Jcmkib df Fesjm` Ubmr+ M ndrtimibb es m``dwba td jcmkib ets fesjm`ybmr+ Qcb ndrtimibb nust sugnet m wrettbk rbqubst td tcb @bkabr Mpprdvm`mka Wbjbrtefejmtedk Aevesedk+ CRA nmy, mt ets aesjrbtedk, rbquerb tcbndrtimibb td sugnet fekmkjem` stmtbnbkts mka m jdnputmtedk df mahustba kbtwdrtc jbrtefeba gy ets nmkmibnbkt+ Qces rbquerbnbkt abpbkas dk tcb `bkitcdf tenb sekjb tcb ndrtimibb `mst sugnettba muaetba fekmkjem` stmtbnbkts tdtcb Abpmrtnbkt+ Bvbry pbreda nust bvbktum``y gb muaetba+ Ek kd jmsb nmyndrb tcmk =3 ndktcs b`mpsb gbtwbbk tcb amtbs df muaetba fekmkjem`

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib =: df 55



stmtbnbkts+

6.3 Jcmkib df @bim` Kmnb+ Fdr m jcmkib df kmnb, m ndrtimibb nustsugnet tcb fd``dweki td tcb @bkabr Mpprdvm` mka Wbjbrtefejmtedk Aevesedk

M+ Mjjbptmg`b adjunbktmtedk scdweki tcb kmnb jcmkib, sujc ms8

( Qcb mnbkanbkt td ets mrtej`bs df ekjdrpdrmtedk<( Wbsdùtedk gy tcb ndrtimibb)s Gdmra df Aerbjtdrs< mka( Jcmrtbr mnbkanbkt fdr m supbrvesba ekstetutedk+

G+ Ycbk rbquerba gy tcb Ztmtb, bveabkjb tcmt tcb kmnb jcmkib cms gbbkmjjbptba gy tcb Ztmtb ek wcejc tcb cdnb dffejb es `djmtba+

6.5 Jcmkibs td ñAdeki Gusekbss Msö #agm% Kmnb+ M ndrtimibbsnmlbs jcmkibs td ets ñadeki gusekbss msö tcrduic tcb FCM Jdkkbjtedk mkajbrtefy et cms tcb mpprdpremtb mpprdvm` td usb tcb agm kmnb+ M`tcduic mndrtimibb nmy cmvb ndrb tcmk dkb ñagm,ö bmjc cdnb dr grmkjc dffejb esènetba td dkb ñagmö kmnb ek tcb FCM Jdkkbjtedk+ Zbb pmrmirmpc 7.1,rbimraeki kmnbs ekjùaeki rbstrejtba wdras sujc ms ñkmtedkm`ö dr

ñFbabrm`+ö

6.=? @dss df Aerbjt Bkadrsbnbkt Rkabrwretbr+ Ef m ndrtimibb wetcAerbjt Bkadrsbnbkt #AB% mutcdrety `dsbs ets dk`y AB ukabrwretbr, et nustennbaemtb`y dgtmek mka rbiestbr m qumèfeba rbp`mjbnbkt+ Yetcdut mrbiestbrba AB ukabrwretbr, tcb ndrtimibb we`` gb ukmg`b td ukabrwretb FCMndrtimibs+ Ef et es ukmg`b td dgtmek mka rbiestbr m rbp`mjbnbkt, tcbk tcbndrtimibb nust betcbr bktbr ektd m _rekjepm`.Mutcdrezba Mibkt rb`mtedkscepdr jdkvbrt td `dmk jdrrbspdkabkt stmtus+ Fdr _rekjepm`.Mutcdrezba Mibkts,sbb jcmptbr 2 _mrt G+ Fdr jdkvbrsedk, sbb pmrmirmpc 6 =6+

6.== Jcmkib df Zbkedr Dffejbr+ Ef m ndrtimibb cms mk maaetedk drsugstetutedk df m prekjepm`, ekjùaeki gut kdt ènetba td jcmernmk df tcbgdmra, prbseabkt, vejb prbseabkt, aerbjtdr, dr @@J nbngbr, tcb ndrtimibbnust kdtefy CRA df tcb jcmkib+ M Wbseabktem` Ndrtimib Jrbaet Wbpdrtnust gb sugnettba dk tcb kbw ekaeveaum`+ M supbrvesba ndrtimibb drsupbrvesba `dmk jdrrbspdkabkt adbs kdt cmvb td jdnp`y wetc tcb jrbaetrbpdrt rbquerbnbkt+

6.=7 Jcmkib ek m _mrtkbrscep+ Ef m nmkmieki ibkbrm` pmrtkbr wetcarmwsdr es rbndvba frdn tcb pmrtkbrscep, m kbw nmkmieki ibkbrm` pmrtkbr nustgb sugstetutba mka tcb Abpmrtnbkt nust gb ennbaemtb`y kdtefeba df tcbjcmkib+ Qcb ndrtimibb nust ennbaemtb`y kdtefy tcb Abpmrtnbkt df mkymnbkanbkts td tcb pmrtkbrscep mirbbnbkt tcmt wduà mffbjt tcbpmrtkbrscep)s mjtedks ukabr mky df tcb ndrtimib eksurmkjb prdirmns+ Kbw`ymanettba pmrtkbrs nust mirbb td tcb nmkmibnbkt df tcb pmrtkbrscep gy tcbabseikmtba nmkmieki ibkbrm` pmrtkbr+ Gbfdrb m pmrtkbrscep es tbrnekmtba,

m`` FCM eksurba ndrtimibs cbà gy tcb pmrtkbrscep nust gb trmksfbrrba tdmk mpprdvba ndrtimibb+

6.=: Jcmkib df Zcmrbcdàbr, Dwkbrscep, dr Jdktrd`+ Ycbkbvbr mkekaeveaum` dr bktety, tcmt prbvedus`y dwkba `bss tcmk 72 pbrjbkt df vdtekistdjl df m ndrtimibb, mjquerbs vdteki stdjl rbsu`teki ek dwkbrscep df 72pbrjbkt dr ndrb, tcb ndrtimibb nust kdtefy CRA+ M rbsunb mkaWbseabktem` Ndrtimib Jrbaet Wbpdrt nust gb sugnettba dk mky sujcekaeveaum`< fdr m gusekbss bktety, m jdnnbrjem` jrbaet rbpdrt, dr m Auk &Grmastrbbt rbpdrt, nust gb sugnettba+ Ef m ndrtimibb)s jdktrd`èki




dwkbrscep jcmkibs, m kbw mppèjmtedk mka fbb nmy gb kbjbssmry+ Qcbndrtimibb scduà jdktmjt tcb @bkabr Mpprdvm` mka Wbjbrtefejmtedk Aevesedkek mavmkjb td abtbrnekb wcmt we`` gb rbquerba+ M jcmkib df dwkbrscep drjdktrd` rbsu`teki frdn m nbribr dr jdksdèamtedk es jdvbrba ek pmrmirmpc6 =9< m jcmkib df dwkbrscep dr jdktrd` rbsu`teki frdn mjquesetedk df tcbndrtimibb es jdvbrba ek pmrmirmpc 6 =3+

6.=1 Jcmkib ek Jcmrtbr dr Fbabrm` Qmxpmybr Eabktefyeki Kungbr+

M+ Jcmkib Wbsu`teki ek Kbw Fbabrm` Qmxpmybr Eabktefyeki Kungbr+ Efm ndrtimibb rbekjdrpdrmtbs tcb mpprdvba ekstetutedk, jcmkibs tcbekstetutedk)s jcmrtbr, jcmkibs tcb Ztmtb wcbrb tcb jdnpmky es ekjdrpdrmtbadr dtcbrwesb jcmrtbrba, dr jdnp`btbs mky dtcbr jcmkib tcmt rbsu`ts ek tcbjdnpmky rbjbeveki m aeffbrbkt Fbabrm` Qmxpmybr Eabktefyeki Kungbr, tcbndrtimibb es rbquerba td sugnet m kbw mppèjmtedk fdr ndrtimibb mpprdvm`mka pmy tcb fbb fdr m kbw ndrtimibb mpprdvm` ms spbjefeba ek pmrmirmpc7 9+ Ef m kbw ndrtimibb eabktefejmtedk kungbr es essuba, CRA we`` `bmvbtcb dà ndrtimibb eabktefejmtedk kungbr mjtevb fdr mpprdxenmtb`y 12 amystd m``dw jdnp`btedk df prdjbsseki df `dmks ek prdjbss ukabr tcmteabktefejmtedk kungbr+ Ycbk m kbw ndrtimibb eabktefejmtedk kungbr es

essuba, tcb ndrtimibb nust jbmsb dreiekmteki jmsbs ukabr tcb dà kungbr+

G+ Jcmkib Kdt Wbsu`teki ek Jcmkib df Fbabrm` Qmxpmybr EabktefyekiKungbr+ Ef tcb jcmkib adbs kdt rbsu`t ek m kbw Fbabrm` QmxpmybrEabktefyeki Kungbr, tcbk tcb ndrtimibb nust sugnet tcb fd``dweki td tcb@bkabr Mpprdvm` mka Wbjbrtefejmtedk Aevesedk8

=+ Jbrtefejmtedk ms td tcb kmturb df tcb jdkvbrsedk mka tcmt tcbrb cmsgbbk kd jcmkib ek tcb Fbabrm` Qmxpmybr Eabktefyeki Kungbr dr abpdsetdreksurmkjb #ek tcb jmsb df m supbrvesba ndrtimibb%+

7+ Jbrtefejmtedk tcmt tcb ekstetutedk we`` jdktekub td jdnp`y wetc tcbmpprdvm` rbquerbnbkts df tces Cmkagddl+

:+ Jbrtefejmtedk tcmt tcb kbw`y jcmrtbrba bktety we`` jdktekub td gbrbspdkseg`b fdr tcb mssbts mka èmgeètebs df tcb fdrnbr ekstetutedk+ Qceswduà ekjùab mky prdg`bns fduka sugsbqubkt`y gy tcb Abpmrtnbkt ek tcbdreiekmtedk dr sbrvejeki df mky Qet`b EE ndrtimibs dreiekmtba dr sbrvejba gytcb ekstetutedk predr td tcb madptedk df tcb kbw jcmrtbr+

1+ Jdpy df tcb kbw jcmrtbr mka m jdnp`btb absjreptedk df tcb jcmkibs+Ek èbu df tcb mgdvb, tcb ndrtimibb nust sugnet m kbw mppèjmtedk fdrndrtimibb mpprdvm` mka pmy tcb fbb fdr m kbw ndrtimibb mpprdvm` msspbjefeba ek pmrmirmpc 7 9+

J+ Zpbjem` Jmsbs+ Qcbrb nmy gb ekstmkjbs wcbrb tcb Fbabrm` QmxpmybrEabktefyeki Kungbr nmy kdt jcmkib, gut tcb jcmkib ek tcb gusekbss bktety es

sujc tcmt CRA nmy rbquerb m kbw mppèjmtedk+

6.=2 Jcmkib ek Jcmrmjtbr df Gusekbss #_rekjepm` Mjtevety%+ Ef tcbrb es mjcmkib ek tcb jcmrmjtbr df mk mpprdvba kdk.supbrvesba ndrtimibb)sgusekbss sujc tcmt et nmy kd `dkibr qumèfy ukabr tcb ñprekjepm` mjtevetyöru`b #sbb pmrmirmpc 7 79#A% dr 7 75#J%, ms mppèjmg`b mka71íJFWí7?7+9#m% dr 7?7+3#m%#7%, ms mppèjmg`b+%, mka tces jcmkib ekjcmrmjtbr es pbrnmkbkt, et nust wetcarmw frdn tcb prdirmn+ Ef tcb jcmkibes tbnpdrmry, et nust kdtefy tcb Abpmrtnbkt mka prdveab td tcb Abpmrtnbktm Jdrrbjtevb Mjtedk _`mk abtmeèki cdw et we`` rbbstmgèsc ndrtimib `bkaeki




ms ets prekjepm` mjtevety+

6.=6 Jdkvbrsedk df Ndrtimibb Qypb+ M ndrtimibb tcmt jdkvbrts etsstmtus frdn dkb typb td mkdtcbr aureki ets fesjm` ybmr nust jdktekub tdjdnp`y wetc m`` mkkum` rbjbrtefejmtedk rbquerbnbkts+ Qd jdkvbrt etsndrtimibb typb, m ndrtimibb nust jdnp`btb m kbw CRA fdrn ==9?=,Mppèjmtedk fdr Mpprdvm`, FCM @bkabr mka$dr Iekkeb Nmb NdrtimibGmjlba Zbjuretebs Essubr, mka pmy m kdk.rbfukamg`b !:?? jdkvbrsedk fbb+ Mndrtimibb dr `dmk jdrrbspdkabkt nust abndkstrmtb tcmt et cms mabqumtb kbtwdrtc td nbbt tcb rbquerbnbkts df tcb typb df ndrtimibb td wcejc et esjdkvbrteki+ Qcb jdkvbrsedk mppèjmtedk mka ets suppdrteki adjunbktmtedknust gb sbkt tcb Aerbjtdr, @bkabr Mpprdvm` mka Wbjbrtefejmtedk Aevesedk+Qcb kdk rbfukamg`b !:?? jdkvbrsedk fbb nust gb nme`ba td CRA)s `djlgdx maarbss scdwk ek pmrmirmpc 7 9, tdibtcbr wetc ets trmksnettm` fdrn+Qcb ndrtimibb)s =? aeiet FCM eabktefejmtedk kungbr fdr ets cdnb dffejbnust gb eksbrtba ek tcb nbnd sbjtedk df tcb jcbjl mka tcb trmksnettm` fdrn+

M+ Zupbrvesba Ndrtimibb td Zupbrvesba @dmk Jdrrbspdkabkt+ Ek tcestypb df jdkvbrsedk, tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( Zpdksdr @bttbr, ek wcejc tcb spdksdr mirbbs td spdksdr tcb supbrvesba`dmk jdrrbspdkabkt mka purjcmsb m`` FCM ndrtimibs dreiekmtba gy tcbsupbrvesba `dmk jdrrbspdkabkt mka ukabrwrettbk gy tcb Zpdksdr< mka( Jbrtefejmtedk tcmt m`` FCM.eksurba ndrtimibs cbà dr sbrvejba cms gbbktrmksfbrrba td mkdtcbr FCM ndrtimibb tcmt es mpprdvba td sbrvejbFCM.eksurba ndrtimibs< dr m rbqubst fdr pbrnessedk td cdà dr sbrvejbFCM.eksurba ndrtimibs+

G+ Zupbrvesba @dmk Jdrrbspdkabkt td Zupbrvesba Ndrtimibb+ Ek tcestypb df jdkvbrsedk, tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( Bveabkjb df brrdrs mka dnessedks eksurmkjb fdr m nekenun df !:??,???<mka( Bveabkjb df m feabèty gdka fdr m nekenun df !:??,???+

J+ Zupbrvesba Bktety td Kdk.supbrvesba Bktety+ Ek tces typb dfjdkvbrsedk, tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<

( M kbw CRA fdrn ==9?=, Mppèjmtedk fdr Mpprdvm`, FCM @bkabr mka$drIekkeb Nmb Ndrtimib.Gmjlba Zbjuretebs Essubr< mka( Qcb smnb adjunbktmtedk ms fdr m kbw mppèjmtedk fdr mpprdvm` wetc m``tcb rbquerba adjunbktmtedk fdr tcmt typb df ndrtimibb+

A+ Kdk.supbrvesba Ndrtimibb td Kdk.supbrvesba @dmk Jdrrbspdkabkt+Ek tces typb df jdkvbrsedk tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<




( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( Zpdksdr `bttbr scdweki bveabkjb df mk mjjbptmg`b fukaeki mirbbnbkt< mka( Jbrtefejmtedk tcmt m`` FCM.eksurba ndrtimibs cbà dr sbrvejba cms gbbktrmksfbrrba td mkdtcbr FCM ndrtimibb tcmt es mpprdvba td cdà mka sbrvejbFCM.eksurba ndrtimibs+

B+ Kdk.supbrvesba @dmk Jdrrbspdkabkt td Kdk.supbrvesba Ndrtimibb+Ek tces typb df jdkvbrsedk, tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( Jdpy df ets ndst rbjbkt muaetba fekmkjem` stmtbnbkts mka, ef tcbsb mrb ndrbtcmk sex ndktcs dà, nmkmibnbkt jbrtefeba fekmkjem` stmtbnbkts mkajdnputmtedk df mahustba kbt wdrtc+ #sbb pmrmirmpc : 7#M%#6%<( Bveabkjb df mk mjjbptmg`b fukaeki prdirmn+ #sbb pmrmirmpc 7 79+J%<( Bveabkjb df brrdrs mka dnessedks eksurmkjb fdr m nekenun df !:??,???<mka( Bveabkjb df m feabèty gdka fdr m nekenun df !:??,???+

Dkjb tces jdkvbrsedk es mpprdvba, tcb ndrtimibb we`` kd `dkibr cmvb mkyspdksdrs mka kbbas td jdktmjt tcb mpprdpremtb Cdnbdwkbrscep Jbktbr fdrdgtmekeki mpprdvm` ms m AB ndrtimibb ef tcby wesc td ukabrwretb seki`bfmne`y `dmks+

F+ Jdkvbrsedk td Ekvbsteki Ndrtimibb+ Ek tces typb df jdkvbrsedk, tcbndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( M kbw CRA fdrn ==9?=, Mppèjmtedk fdr Mpprdvm`, FCM @bkabr mka$drIekkeb Nmb Ndrtimib.Gmjlba Zbjuretebs Essubr<( Bveabkjb tcmt et nbbts tcb rbquerbnbkts spbjefeba ek pmrmirmpc 7 :?#G%,rbimraeki `bim` mutcdrety td purjcmsb eksurba ndrtimibs mka mvme`mgeèty dffukaeki< mka( Jbrtefejmtedk tcmt m`` sbrvejeki df FCM.eksurba ndrtimibs cms gbbktrmksfbrrba td mkdtcbr mpprdvba FCM ndrtimibb tcmt es mpprdvba td sbrvejbFCM.eksurba ndrtimibs+

I+ Jdkvbrsedk frdn Ekvbsteki Ndrtimibb+ Ek tces typb df jdkvbrsedk,tcb ndrtimibb nust sugnet8

( Qrmksnettm` `bttbr, scdweki tcb ndrtimibbÆs EA kungbr, kmnb, maarbssmka kmturb df rbqubst<( Jdpy df tcb jcbjl fdr tcb jdkvbrsedk fbb mka tcb trmksnettm` fdrn<( Zugnet tcb smnb adjunbktmtedk ms fdr m kbw mppèjmtedk fdr mpprdvm`

wetc m`` tcb rbquerba adjunbktmtedk fdr tcmt typb df ndrtimibb< mka( Ef jdkvbrsedk es td m `dmk jdrrbspdkabkt, jbrtefy tcmt m`` FCM.eksurbandrtimibs cbà dr sbrvejba cmvb gbbk trmksfbrrba td mkdtcbr FCMndrtimibb tcmt es mpprdvba td cdà mka sbrvejb FCM.eksurba ndrtimibs+

6.=9 Nbribr dr Jdksdèamtedk+ Nbribrs jmk tmlb m vmrebty df fdrns+

M+ Qwd dr Ndrb CRA$FCM.Mpprdvba Ndrtimibbs Nbrib+

=+ Kdk.surveveki Bktety+ Qcb kdk.surveveki bktety nust8




m+ Zugnet m `bttbr seikba gy mk bxbjutevb dffejbr ekfdrneki tcbAbpmrtnbkt tcmt et es nbrieki wetc mkdtcbr bktety+ Qcb `bttbr nust8

( Ekaejmtb wcejc ndrtimibb we`` survevb<( _rdveab tcb ndrtimibb eabktefejmtedk kungbrs fdr bmjc ndrtimibbekvd`vba<( _rdveab tcb amtb tcb nbribr djjurrba dr we`` djjur< mka( Wbqubst tbrnekmtedk df ets mpprdvm`+

g+ Ef tcb kdk.surveveki ndrtimibb wms m Zpdksdr df FCM.mpprdvba`dmk jdrrbspdkabkts, et nust kdtefy ets `dmk jdrrbspdkabkts df ets rbqubst fdrtbrnekmtedk+

j+ Dkjb tcb kdk.surveveki bktety jbmsbs td bxest dr ets mpprdvm` estbrnekmtba, wcejcbvbr jdnbs ferst8

( Et nmy kdt mjjbpt mky kbw mppèjmtedks fdr Qet`b EE ndrtimibs<( Et nmy kd `dkibr purjcmsb Qet`b EE ndrtimibs<( Et nmy kd `dkibr sbrvejb Qet`b EE ndrtimibs< mka

( Et nmy kd `dkibr sugnet j`mens td tcb Abpmrtnbkt+

a+ Ycbk tcb kdk.surveveki ndrtimibb cdàs m pdrtfdèd df Qet`b EEndrtimibs, et nust mrrmkib td trmksfbr tcb `dmks td tcb surveveki ndrtimibbdr sdnb dtcbr mpprdvba FCM ndrtimibb mpprdvba td sbrvejb FCMndrtimibs+ Zbb pmrmirmpcs 6.=9#M%#7%#b% mka #f%+ Qcbrb es m jdktekubadgèimtedk td pmy eksurmkjb prbneuns aub mka td nbbt m`` dtcbr dgèimtedksmssdjemtba wetc tcb eksurba ndrtimibs+

7+ Zurveveki Bktety+ Qcb surveveki bktety nust8

m+ Zugnet m `bttbr absjregeki tcb nbribr mka jbrtefyeki tcmt =% mky `dmkjdrrbspdkabkts kdt jdktekueki wetc spdksdrscep cmvb gbbk kdtefeba, 7% m```dmk jdrrbspdkabkts df tcb kdk.surveveki ndrtimibb we`` gb spdksdrba gytcb surveveki ndrtimibb dr :% tcb kdk.surveveki ndrtimibb wms kdt tcbspdksdr df mky `dmk jdrrbspdkabkts+

g+ Zugnet m jdpy df tcb adjunbkt wcejc bveabkjbs tcb nbribr+ Msupbrvesba ndrtimibb, nust sugnet m jdpy df tcb `bttbr frdn tcbsupbrvesdry mutcdrety wcejc mpprdvba tcb nbribr+

j+ Zugnet m èst eabktefyeki bmjc df tcb kdk.surveveki bktety)s grmkjcdffejbs wcejc we`` rbnmek dpbk ukabr tcb muspejbs df tcb surveveki bktety,mka pmy tcb grmkjc dffejb rbiestrmtedk fbb spbjefeba ek pmrmirmpc 7 9+

a+ Wbiestbr bmjc df tcb kdk.surveveki bktety)s `dmk jdrrbspdkabkts, efmky, tcmt tcb surveveki bktety we`` jdktekub td spdksdr ek tcb FCM

Jdkkbjtedk+ Zpdksdrscep es kdt mutdnmtejm``y trmksfbrrba+ Bmjc df tcbkdk.surveveki bktety)s `dmk jdrrbspdkabkts, fdr wcejc tcb surveveki bktetywe`` kdt jdktekub spdksdrscep, nust gb ievbk :? amys wrettbk kdtejb gy tcbZpdksdr+

b+ Ef tcb surveveki ndrtimibb mjquerbs dk`y m pdrtedk df tcbkdk.surveveki ndrtimibb)s Qet`b EE ndrtimibs, dkb df tcb pmrtebs nustsugnet m Ndrtimib Wbjdra Jcmkib trmksmjtedk fdr bmjc ndrtimib tcmt we``kdt gb mjquerba gy tcb surveveki ndrtimibb+




f+ Ef tcb surveveki ndrtimibb mjquerbs m`` df tcb kdk.survevekindrtimibb)s dutstmkaeki Qet`b EE ndrtimibs, et es kdt kbjbssmry td sugnetNdrtimib Wbjdra Jcmkibs+ M`` `dmks we`` gb trmksfbrrba td tcb survevekibktety gy CRA wcbk tcb nbribr es prdjbssba+

G+ Mk Mpprdvba Ndrtimibb Nbribs wetc m Kdk.mpprdvba Ndrtimibb+

=+ Kdk.mpprdvba Ndrtimibb Zurvevbs+

m+ Qcb kdk.surveveki ndrtimibb nust jdnp`y wetc tcb prdvesedks dfpmrmirmpc 6 =9#M%#=%+

g+ Ef tcb surveveki ndrtimibb wescbs td dreiekmtb dr cdà Qet`b EEndrtimibs dr sugnet j`mens fdr ndrtimibs prbvedus`y cbà gy tcbkdk.surveveki ndrtimibb, et nust gbjdnb FCM.mpprdvba+ Qd gbjdnbmpprdvba, et nust fd``dw tcb mpprdvm` prdjbaurbs df tces Cmkagddl+ Qcbndrtimibb scduà ekjùab wetc ets mppèjmtedk m `bttbr absjregeki tcbnbribr, mka, ef mppèjmg`b, ets ektbktedks rbimraeki tcb kdk.survevekindrtimibbÆs dutstmkaeki Qet`b EE ndrtimibs mka spdksdrba `dmkjdrrbspdkabkts+ Ennbaemtb`y mftbr gbjdneki mpprdvba, tcb ndrtimibb

scduà rbiestbr bmjc df tcb kdk.surveveki bktetyÆs grmkjc dffejbs wcejcwe`` rbnmek dpbk ukabr tcb muspejbs df tcb surveveki bktety, mka pmy tcbgrmkjc rbiestrmtedk fbb spbjefeba ek pmrmirmpc 7.9+ Qcb ndrtimibb nustrbiestbr bmjc df tcb `dmk jdrrbspdkabkts et es spdksdreki ek tcb FCMJdkkbjtedk+

7+ Mpprdvba Ndrtimibb Zurvevbs+ Qcb surveveki ndrtimibb nust8

m+ sugnet m `bttbr absjregeki tcb nbribr+

g+ Zugnet m jdpy df tcb adjunbkt wcejc bveabkjbs tcb nbribr+ Msupbrvesba ndrtimibb, nust sugnet m jdpy df tcb `bttbr frdn tcbsupbrvesdry mutcdrety wcejc mpprdvba tcb nbribr+

6.=3 Zm`b dr Mjquesetedk+ Qcb sm`b dr mjquesetedk df m FCM.mpprdvbandrtimibb nmy tmlb tcb fdrn df stdjl, mssbts dr dpbrmtedks gbeki mjquerbadr sdnb jdngekmtedk df tcbsb+ Qcb ndrtimibb nmy jbmsb td bxest,gbjdneki pmrt df tcb mjquereki jdnpmky, et nmy jdktekub ms m sugseaemry drmffeèmtb df tcb mjquereki jdnpmky, dr nmy gbjdnb mk ekabpbkabktjdnpmky+ Bmjc df tcbsb es cmka`ba aeffbrbkt`y+

M+ Mk Mpprdvba Ndrtimibb Mjquerba gy Mkdtcbr MpprdvbaNdrtimibb+ Qcb kbjbssmry mjtedk abpbkas updk wcbtcbr tcb mjquerbandrtimibb we`` jbmsb td bxest dr we`` jdktekub ms m sugseaemry dr mffeèmtb dftcb mjquereki ndrtimibb+

=+ Jdktekumtedk ms Zugseaemry dr Mffeèmtb+ Ef tcb ndrtimibb gbeki

mjquerba we`` jdktekub td dpbrmtb ms m sugseaemry dr mffeèmtb df tcb mjquerekindrtimibb, tcb mjquereki ndrtimibb nust sugnet m `bttbr absjregeki tcbtrmksmjtedk ekjùaeki tcb kmnbs df m`` pmrtebs, tcber FCM ndrtimibbeabktefejmtedk kungbrs, mka tcb amtb df tcb mjquesetedk+ Qcb `bttbr nust m`sdbxp`mek tcmt tcb mjquerba bktety we`` jdktekub ms m sugseaemry dr mffeèmtb dftcb mjquereki bktety+ Qcb mjquerba ndrtimibb nust kdtefy tcb Abpmrtnbktgy `bttbr tcmt et cms gbbk mjquerba mka we`` jdktekub td dpbrmtb ms msugseaemry dr mffeèmtb df tcb mjquereki ndrtimibb+ Qcb mjquerba ndrtimibbnmy jdktekub td dpbrmtb ukabr ets bxesteki Qet`b EE ndrtimibb EabktefejmtedkKungbr+




7+ Aessdùtedk df Ndrtimibb+ Ef tcb ndrtimibb gbeki mjquerba we`` gbaessd`vba,

m+ Qcb kdk.surveveki bktety nust sugnet m `bttbr seikba gy mkbxbjutevb dffejbr ekfdrneki tcb Abpmrtnbkt df abtme`s rbimraeki etsmjquesetedk mka rbqubsteki tbrnekmtedk df ets mpprdvm`+ Qcb ndrtimibb nustjdnp`y wetc tcb prdvesedks df pmrmirmpcs 6 =9#M%#=%+

g+ Qcb surveveki bktety nust sugnet td CRA m jdpy df tcb mrtej`bs dfaessdùtedk mka m `bttbr absjregeki tcb mjquesetedk mka, ef mppèjmg`b, etsektbkaba aespdsetedk dr sm`b df FCM eksurba `dmks cbà dr sbrvejba gy tcbkdk.surveveki ndrtimibb+ Qcb `bttbr nust m`sd jbrtefy tcmt =% mky `dmkjdrrbspdkabkts kdt jdktekueki wetc spdksdrscep cmvb gbbk kdtefeba, 7% m```dmk jdrrbspdkabkts df tcb kdk.surveveki ndrtimibb we`` gb spdksdrba gytcb surveveki ndrtimibb dr :%ítcb kdk.surveveki ndrtimibb wms kdt tcbspdksdr df mky `dmk jdrrbspdkabkts+ Qcb surveveki ndrtimibb nust jdnp`ywetc pmrmirmpcs 6 =9#M%#7%#j% tcrduic #f%+

G+ Mk Mpprdvba Ndrtimibb Mjquerba gy mk Bktety tcmt es Kdt

Mpprdvba+

=+ Mjquereki Bktety Wbquerbs Mpprdvm` td _mrtejepmtb ek _rdirmn+ Eftcb mjquereki bktety wescbs td gb mg`b td dreiekmtb, cdà, dr sbrvejb Qet`b EEndrtimibs, et nust mpp`y fdr mpprdvm` ukabr tcb mppèjmg`b prdvesedks dftces Cmkagddl+

Ef tcb mjquerba ndrtimibb we`` kdt gb jdktekueki ms m sugseaemry dr mffeèmtb,tcb mjquereki bktety scduà ekjùab wetc ets mppèjmtedk m `bttbr absjregekitcb mjquesetedk mka, ef mppèjmg`b, ets ektbktedks rbimraeki tcb kdk.survevekindrtimibbÆs dutstmkaeki Qet`b EE ndrtimibs mka spdksdrba `dmkjdrrbspdkabkts+ Ennbaemtb`y mftbr gbjdneki mpprdvba, tcb ndrtimibbscduà rbiestbr bmjc df tcb kdk.surveveki bktetyÆs grmkjc dffejbs wcejcwe`` rbnmek dpbk ukabr tcb muspejbs df tcb surveveki bktety, mka pmy tcbgrmkjc rbiestrmtedk fbb spbjefeba ek pmrmirmpc 7.9#M%+ Qcb ndrtimibb nmyb`bjtrdkejm``y rbiestbr bmjc df tcb `dmk jdrrbspdkabkts et es spdksdreki drfd``dw tcb m`tbrkmtb prdjbaurbs absjregba ek pmrmirmpc 2.=7+

7+ Mjquerba Ndrtimibb td Jdktekub ms Zugseaemry dr Mffeèmtb+ Ef tcbmjquerba bktety we`` jdktekub td dpbrmtb ms m sugseaemry dr mffeèmtb df tcbmjquereki ndrtimibb, et nmy jdktekub td dpbrmtb ms m Qet`b EE ndrtimibbukabr ets dwk kmnb, wcbtcbr dr kdt tcb mjquereki bktety gbjdnbsFCM.mpprdvba+ Qcb ndrtimibb nust sugnet m `bttbr absjregeki tcbmjquesetedk mka ets futurb dpbrmteki stmtus+

:+ Mjquerba Ndrtimibb Jbmsbs td Bxest+ Ef tcb mjquerba bktety we``jbmsb td bxest, et nust jdnp`y wetc tcb prdvesedks df pmrmirmpc

6 =3#M%#7%#m%+

J+ Qcb Mpprdvba Ndrtimibb Gbjdnbs Ekabpbkabkt+ Ycbk mkmpprdvba ndrtimibb, wcejc cms gbbk m sugseaemry dr pmrt df m `mribr bktety,gbjdnbs ekabpbkabkt, et nust kdtefy CRA mka prdveab abtme`s df tcbjcmkib+ Gmsba dk tces, CRA nmy rbquerb maaetedkm` ekfdrnmtedk+ Fdrjcmkibs ek sbkedr dffejbrs, aerbjtdrs, dr dwkbrscep, tcb ndrtimibb nustsugnet adjunbktmtedk ms spbjefeba ek pmrmirmpcs 6 == mka 6 =:+

A+ Qcb Mpprdvba Ndrtimibb Mjquerbs mk Bktety tcmt es Kdt Mpprdvba+

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib 7? df 55



Ef tcb mjquerba bktety we`` dpbrmtb ms m sugseaemry dr mffeèmtb df tcbmjquerekindrtimibb mka wescbs td gb mg`b td dreiekmtb, cdà dr sbrvejb Qet`b EEndrtimib, et nust mpp`y fdr mpprdvm` ukabr tcb mppèjmg`b prdvesedks df tcesCmkagddl+

6.=5 Qbrnekmtedk df Zupbrvesedk+ M supbrvesba ndrtimibb es rbquerba tdkdtefy tcb Abpmrtnbkt ek wreteki wetcek =? gusekbss amys mftbr tcbtbrnekmtedk df supbrvesedk gy ets supbrveseki mibkjy+ Ef tcb ndrtimibbqumèfebs fdr mpprdvm` ms mkdtcbr typb df ndrtimibb, et nust sugnet m kbwmppèjmtedk, wetc tcb mpprdpremtb kdk.rbfukamg`b fbb, fdr mpprdvm` tdpmrtejepmtb ek tcb Abpmrtnbkt)s ndrtimib eksurmkjb prdirmns+

6.7? Qbrnekmtedk df Feabèty Gdka dr Brrdrs mka Dnessedks Eksurmkjb+ Efm ndrtimibb)s feabèty gdka dr brrdrs mka dnessedks eksurmkjb es tbrnekmtbamka tcb ndrtimibb es ukmg`b td dgtmek m kbw pdèjy wetcek tbk gusekbssamys, td jdktekub ms m FCM mpprdvba ndrtimibb, et nust jdkvbrt td m `dmkjdrrbspdkabkt #sbb pmrmirmpc 6 =6%+

6.7= Kbt Ydrtc Abfejebkjy+ Mk mpprdvba ndrtimibb nust nmektmek mt

`bmst tcb nekenun rbquerba mahustba kbt wdrtc mt m`` tenbs+ Ef mt mky tenb etfm``s gb`dw tcb rbquerba nekenun, tcb ndrtimibb nust kdtefy tcb @bkabrMpprdvm` mka Wbjbrtefejmtedk Aevesedk mka sugnet m Jdrrbjtevb Mjtedk_`mk+ Fmeùrb td jdnp`y es irdukas fdr mk manekestrmtevb mjtedk gy tcbNdrtimibb Wbvebw Gdmra+

6.77 @equea Mssbts Abfejebkjy+ Mk mpprdvba ndrtimibb nust nmektmekmt `bmst tcb nekenun rbquerba èquea mssbts mt m`` tenbs+ Ef mt mky tenb etfm``s gb`dw tcb rbquerba nekenun, tcb ndrtimibb nust kdtefy tcb @bkabrMpprdvm` mka Wbjbrtefejmtedk Aevesedk mka sugnet m Jdrrbjtevb Mjtedk_`mk+ Fmeùrb td jdnp`y es irdukas fdr mk manekestrmtevb mjtedk gy tcbNdrtimibb Wbvebw Gdmra+

6.7: Dpbrmteki @dss+ M ndrtimibb nust sugnet fekmkjem` stmtbnbktswetcek :? amys df tcb bka df bmjc fesjm` qumrtbr ek wcejc tcb ndrtimibbbxpbrebkjbs mk dpbrmteki `dss df 7? pbrjbkt dr irbmtbr df ets kbt wdrtc+ Qcbektbren fekmkjem` stmtbnbkts nmy gb betcbr muaetba dr uk.muaetba, mka tcbndrtimibb nust jdktekub td sugnet tcbn ukte` et scdws mk dpbrmteki prdfetfdr twd jdksbjutevb qumrtbrs, dr ukte` ets kbxt mkkum` rbjbrtefejmtedk gyFCM, wcejcbvbr es `mtbr+

6.71 Gmklruptjy dr @equeamtedk+

M+ Gusekbss+ M ndrtimibb nust sugnet m stmtbnbkt df Mahustba KbtYdrtc wetcek :? amys df jdnnbkjbnbkt df vdùktmry dr ekvdùktmrygmklruptjy, jdksbrvmtdr scep, rbjbevbrscep dr mky trmksfbr df jdktrd` td mFbabrm` dr Ztmtb supbrvesdry mibkjy+ M jurrbkt dreiekm` Auk mka Grmastrbbt

dr gusekbss jrbaet rbpdrt nust gb sugnettba+ CRA nust gb kdtefeba df bmjcjcmkib df stmtus ek tcb gmklruptjy prdjbbaekis+ CRA rbsbrvbs tcb reict tdrbquerb tcb ndrtimibb td sugnet jdurt adjunbkts+

G+ _brsdkm`+ Ef mk dffejbr dr prekjepm` df tcb ndrtimibb jdnnbkjbsvdùktmry dr ekvdùktmry gmklruptjy, wetcek :? amys tcb ndrtimibb nustkdtefy CRA+ M jurrbkt dreiekm` jrbaet rbpdrt fdr tcmt dffejbr dr prekjepm`nust gb sugnettba+ CRA nust gb kdtefeba df bmjc jcmkib df stmtus ek tcbgmklruptjy prdjbbaekis+

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib 7= df 55



6.72 Vdùktmry Yetcarmwm` df CRA$FCM Mpprdvm`+ M ndrtimibb nmyrbqubst m vdùktmry wetcarmwm` df ets FCM mpprdvm` gy sugnetteki wrettbkkdtefejmtedk, seikba gy m sbkedr dffejbr, td tcb @bkabr Mpprdvm` mkaWbjbrtefejmtedk Aevesedk+ Qcb rbqubst we`` kdt gb cdkdrba wce`b tcbrb es mkmanekestrmtevb mjtedk dr Ndrtimibb Wbvebw Gdmra mjtedk pbkaeki mimeksttcb ndrtimibb+ Mky ndrtimibb wcdsb mpprdvm` es vdùktmre`y wetcarmwknmy rbmpp`y fdr FCM mpprdvm` mt mky tenb mftbr ets wetcarmwm`+

6.76 M`` Dtcbr Gusekbss Jcmkibs+ Mky dtcbr gusekbss jcmkib tcmt mffbjtsm ndrtimibb)s mpprdvm` stmtus dr ets jdkaujt df gusekbss wetc tcbAbpmrtnbkt nust gb rbpdrtba ek wreteki td tcb @bkabr Mpprdvm` mkaWbjbrtefejmtedk Aevesedk wetcek =? amys+




CRA Cmkagddl 1?6?+= Wbv.7Jcmptbrs 7.5, 7.7:, 9.: ‚ 9.6

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib 7: df 55



1?6?+= WBV.7

?3$?6 7.2

M+ Wbquerbnbkt+ M supbrvesba dr kdk.supbrvesba ndrtimibb dr `dmkjdrrbspdkabkt nust nmektmek èquea mssbts df 7? pbrjbkt df ets mahustba

kbt wdrtc dr !=??,??? wcejcbvbr es `bssbr+ Zupbrvesba mppèjmkts mrbkdt rbquerba td vbrefy èquea mssbts ek tcber mppèjmtedk, gut nmy gbmslba td vbrefy jdnpèmkjb aureki mppèjmtedk prdjbsseki+

G+ Mjjbptmg`b+ Jmsc mka jmsc bquevm`bkts jdkstetutb èquea mssbts+ Jmscekjùabs jmsc dk cmka, jcbjleki mjjdukts, smvekis mjjdukts, mkajbrtefejmtbs df abpdset+ Jmsc bquevm`bkts mrb rbmae`y nmrlbtmg`b

ekvbstnbkts, b+i+ sbjuretebs rbmae`y jdkvbrteg`b ektd jmsc+ Qd gb

jdkseabrba m èquea mssbt, tcb jmsc dr jmsc bquevm`bkt nust kdt gbrbstrejtba dr dtcbrwesb rbsbrvba fdr mky purpdsb dtcbr tcmk tcb

pmynbkt df m jurrbkt èmgeèty+

J+ Rkmjjbptmg`b+ FCM adbs kdt jdkseabr m èkb df jrbaet dr `dmks drndrtimibs cbà fdr rbsm`b gy tcb ndrtimibb td gb èquea mssbts+

7+9 Mppèjmtedk Fbbs+ M`` fbbs mrb kdkrbfukamg`b #QD_%

M++ Fbb Mndukt+

=+ Ndrtimibb Mpprdvm` + Qcb fbb es !=,??? bxjbpt fdr tcdsbbktetebs m`rbmay mpprdvba ms m Qet`b E `bkabr, idvbrknbktmèkstetutedks dr kdk.abpdsetdry kdt.fdr prdfet bktetebs+

7+ Grmkjc Dffejb Wbiestrmtedk+ Qcb fbb es !:??, bxjbpt fdridvbrknbktm` ekstetutedks dr kdk.abpdsetdry kdt.fdr prdfetbktetebs+

G+ Fbb _mynbkt+ Qcb mppèjmtedk fbb nust gb nme`ba td CRA―s `djlgdxtdibtcbr wetc tcb CRA fdrn, Mppèjmtedk Fbb fdr Qet`b EE Ndrtimibb

Mpprdvm` td tcb fd``dweki maarbss8

R+Z+ Abpmrtnbkt df CRA

_+D+ Gdx =536=5Mt`mktm, IM :?:31

Jdpebs df tcb jcbjl mka mppèjmtedk fbb fdrn nust mjjdnpmky tcb FCM

`bkabr mppèjmtedk fdrn+ Ef kdt, m jdpy df tcb frdkt mka gmjl df tcb

jmkjb``ba jcbjl we`` gb rbqubstba+

7.3 Dpbrmteki Bxpbksbs+ #QD_%

M ndrtimibb nust pmy m`` ets dwk dpbrmteki bxpbksbs+ Qces ekjùabs

bxpbksbs df ets nmek mka grmkjc dffejbs ekvd`vba ek dreiekmteki dr sbrvejekimky FCM eksurba ndrtimibs+ Dpbrmteki bxpbksbs ekjùab, gut mrb kdt ènetba

td, bquepnbkt, furketurb, dffejb rbkt, dvbrcbma, bnp`dybb jdnpbksmtedk, mkasene`mr bxpbksbs+

7.5 Bnp`dybbs mka Dffejbrs+ #QD_%

Mk mpprdvba ndrtimibb nust bnp`dy trmekba pbrsdkkb` tcmt mrb jdnpbtbkt td

pbrfdrn tcber msseikba rbspdksegeètebs+




1?6?+= WBV.7

?3$?6 7.6

M+ Bnp`dybbs+ Bnp`dybbs mrb tcdsb ekaeveaum`s wcd mrb ukabr tcbaerbjt supbrvesedk mka jdktrd` df mk FCM mpprdvba ndrtimibb mka

wcbrb tcb ekaeveaum`s mrb bxjùsevb`y bnp`dyba gy tcb FCM mpprdvbandrtimibb ek tcb ndrtimib `bkaeki mka rbm` bstmtb febàs+ Qcbndrtimibb nust abndkstrmtb tcb bssbktem` jcmrmjtbrestejs df tcb

bnp`dybr.bnp`dybb rb`mtedkscep updk ekquery gy tcb Abpmrtnbkt+\Zbb m`sd pmrmirmpcs 7.5#A% mka 7.5#I%^

Jdnpbksmtedk df bnp`dybbs nmy gb dk m sm`mry, sm`mry pùs

jdnnessedk, dr jdnnessedk dk`y gmses mka ekjùabs gdkusbs+ M``

jdnpbksmtedk nust gb rbpdrtba dk Fdrn Y.7+ Bnp`dybbs wcdpbrfdrn ukabrwreteki mka `dmk sbrvejeki mjtevetebs nmy kdt rbjbevb

jdnnessedks+

G+ Dffejbrs+ Ekaeveaum`s mrb dffejbrs fdr tcb purpdsbs df FCMrbquerbnbkts ef tcby gbmr tcb jdrpdrmtb tet`b df Vejb _rbseabkt dr ceicbr

mka m`sd ekjùab Grmkjc Nmkmibrs+ M ndrtimibb nust cmvb dkb dr

ndrb dffejbrs wetc mutcdrety dvbr tcb ndrtimibb―s `dmk dreiekmtedk mkasbrvejeki dpbrmtedks+ Mk dffejbr es betcbr m jdrpdrmtb dffejbr, dr m

prekjepm` df m kdk.jdrpdrmtb bktety, wcd cms mutcdrety td `bim``y geka

tcb jdrpdrmtedk dr bktety+ Ek tcb jmsb df m idvbrknbkt ekstetutedk, tcesrd`b wduà gb fe``ba gy m abseikmtba stmff pbrsdk#s%+ Mt `bmst dkbdffejbr nust spbka fu`` tenb nmkmieki mka aerbjteki tcb ndrtimibb―s

dpbrmtedks+ Qcmt dffejbr nust cmvb m nekenun df tcrbb ybmrs

mjjbptmg`b bxpbrebkjb ek tcb ndrtimib mjtevetebs fdr wcejc tcbndrtimibb es sbbleki mpprdvm`+ Wb`bvmkt trmekeki nmy gb sugstetutba

fdr sdnb df tcb rbquerba bxpbrebkjb+ Mk mppèjmkt nust sugnet, wetcets mppèjmtedk, jurrbkt rbsunbs adjunbkteki tces bxpbrebkjb+ Ek

abtbrnekeki tcb mjjbptmgeèty df mk dffejbr―s bxpbrebkjb, tcb

Abpmrtnbkt we`` jdkseabr8

x Bxpbrebkjb ek dreiekmteki seki`b fmne`y mka nu`tefmne`yndrtimibs<

x Bxpbrebkjb ek sbrvejeki seki`b fmne`y mka nu`tefmne`yndrtimibs<

x Bxpbrebkjb ek ekvbsteki fukas ek rbm` bstmtb ndrtimibs<

x Bxpbrebkjb ek nmkmieki dtcbr ekaeveaum`s pbrfdrneki tcbsbsbrvejbs< mka

x Bxpbrebkjb ek rbm` bstmtb sm`bs dr grdlbrmib adbs kdt qumèfy+

M Grmkjc Nmkmibr―s jdnpbksmtedk nmy gb gmsba updk tcb ‐kbt„ prdfet

df tcb grmkjc+ Fdr bxmnp`b, tcb FCM mpprdvba ndrtimibb nmy jd``bjt

tcb rbvbkub frdn tcb grmkjc, pmy tcb grmkjc bxpbksbs, mka tcbk pmytcb grmkjc nmkmibr tcb rbnmekeki rbvbkubs, ef mky, ms m jdnnessedk+Zujc mk mrrmkibnbkt es, bssbktem``y, mk m`tbrkmtevb jdnpbksmtedk

prdirmn fdr tcb grmkjc nmkmibr mka es mk mjjbptmg`b mrrmkibnbkt ef m`` dtcbr grmkjc rbquerbnbkts mrb nbt+

J+ Jdnpmkebs wetc Hdekt Dffejbrs+ Ef m ndrtimibb cms mky df tcb smnb

dffejbrs, stdjlcdàbrs, pmrtkbrs, dr nbngbrs ms mkdtcbr bktety, tcbdffejbrs nmy rbprbsbkt ndrb tcmk dkb bktety ef8




1?6?+= WBV.7

?3$?6 7.9

=+ Qcbrb es m j`bmr mka bffbjtevb sbpmrmtedk df tcb twd bktetebs, mka

ndrtimidrs lkdw mt m`` tenbs bxmjt`y wetc wcejc bktety tcby mrbadeki gusekbss+

7+ Qcbrb es m au`y mppdektba dr b`bjtba sbkedr dffejbr, wetc tcbrbquerba nekenun tcrbb ybmrs df mjjbptmg`b bxpbrebkjb,abseikmtba td jdkaujt bxjùsevb`y tcb mffmers df tcb ndrtimibbaureki kdrnm` gusekbss cdurs+

A+ Jdktrd` mka Zupbrvesedk df Ztmff + #QD_% M ndrtimibb nust bxbrjesbjdktrd` mka rbspdkseg`b nmkmibnbkt supbrvesedk dvbr ets cdnb dffejbmka grmkjc bnp`dybbs+ Jdktrd` mka supbrvesedk nust ekjùab, mt m

nekenun, rbiu`mr mka dkideki rbvebws df bnp`dybb pbrfdrnmkjb mkadf wdrl pbrfdrnba+

B+ Zeikmtdry Mutcdrety + #QD_% Mky bnp`dybb wcd seiks mppèjmtedks fdr

ndrtimib eksurmkjb dk gbcm`f df tcb ndrtimibb nust gb m Vejb_rbseabkt, dr gb mutcdrezba td geka tcb ndrtimibb ek nmttbrs ekvd`vekitcb dreiekmtedk mka sbrvejeki df eksurba ndrtimibs+

F+ Jdkaujteki Ndrtimibb Gusekbss+ #QD_% Aureki ces$cbr kdrnm` autycdurs, bnp`dybbs, wcd mrb ekvd`vba wetc FCM trmksmjtedks, nmy

jdkaujt dk`y tcb gusekbss df tcb ndrtimibb+

I+ Fu`` Qenb, _mrt Qenb mka Dutseab Bnp`dynbkt+ #QD_% M ndrtimibbnmy bnp`dy stmff fu`` tenb dr pmrt.tenb #`bss tcmk tcb kdrnm` 1? cdur

wdrl wbbl%+ Qcby nmy cmvb dtcbr bnp`dynbkt ekjùaeki

sb`f.bnp`dynbkt+ Cdwbvbr, sujc dutseab bnp`dynbkt nmy kdt gb ekndrtimib `bkaeki, rbm` bstmtb, dr m rb`mtba febà+ Aerbjt bkadrsbnbkt

ukabrwretbrs mrb ekjùaba ek tces prdvesedk+ Mk ukabrwretbr nmy kdtwdrl dk m pmrt.tenb gmses fdr mky dtcbr ndrtimibb, bvbk ukabrwretekijdkvbktedkm` ndrtimib `dmks+ Mk ukabrwretbr nmy kdt ukabrwretb`dmks fdr m pmrbkt dr sugseaemry df tcb ukabrwretbr―s mpprdvba

bnp`dybr+ M aerbjt bkadrsbnbkt ukabrwretbr―s mutcdrety es tcrduic tcb

bnp`dybr mka adbs kdt bxtbka ukabr mky jdrpdrmtb ‐ungrb``m+„

7.=? Ekbèieg`b _mrtejepmkts+ #QD_%

Mk mppèjmkt es ekbèieg`b fdr mpprdvm` ef tcb ndrtimibb dr mky dffejbr, pmrtkbr,aerbjtdr, prekjepm`, dr bnp`dybb df tcb mppèjmkt ndrtimibb es8

M+ Zuspbkaba, abgmrrba, ukabr m ènetba abkem` df pmrtejepmtedk

#@A_%, dr dtcbrwesb rbstrejtba ukabr 71 JFW _mrt 71 dr 72 dr

ukabr sene`mr prdvesedks df mky dtcbr Fbabrm` mibkjy<

G+ Rkabr ekaejtnbkt fdr, dr cms gbbk jdkvejtba df, mk dffbksb tcmt

rbf`bjts mavbrsb`y updk tcb mppèjmkt―s ektbirety, jdnpbtbkjb dr

fetkbss td nbbt tcb rbspdksegeètebs df mk mpprdvba ndrtimibb<

J+ Zughbjt td ukrbsd`vba fekaekis jdktmekba ek m CRA dr dtcbridvbrknbktm` muaet, ekvbsteimtedk, dr rbvebw<




1?6?+= WBV.7

?3$?6 7.=6

7.7: ]umèty Jdktrd`+ #QD_%

M ndrtimibb nust nmektmek m wrettbk ]umèty Jdktrd` _`mk fdr tcb dreiekmtedk

mka sbrvejeki df FCM eksurba ndrtimibs+ Qcb ]umèty Jdktrd` _`mk mka etsenp`bnbktmtedk nust nbbt tcb rbquerbnbkts sbt fdrtc ek jcmptbr 9+ Ndrtimibbs mrb rbquerba td rbpdrt td CRA mky frmua, e``bim` mjts, errbiu`mretebs

dr ukbtcejm` prmjtejbs+

7.71 Wbquerbnbkt td Kdtefy CRA df Jcmkibs Zugsbqubkt td Mpprdvm`+ #QD_%

M ndrtimibb nust kdtefy tcb Abpmrtnbkt ek wreteki wetcek m spbjefej kungbr

df amys df mky gusekbss jcmkib tcmt mffbjts ets stmkaeki ms mk mpprdvba

ekstetutedk, dr wcejc jcmkibs tcb ekfdrnmtedk dk wcejc et wms dreiekm``ympprdvba, ekjùaeki8 jdrpdrmtedk jdkvbrsedk, nbribr, jdksdèamtedk,

sujjbssedk, èqueamtedk, tbrnekmtedk< dr m jcmkib ek ets jcmrtbr prdvesedks,

kmnb, gy`mws, `djmtedk, dwkbrscep, jcmrmjtbr df gusekbss, dr sbkedr dffejbrs<dr m seikefejmkt rbaujtedk ek ets rbvbkubs, mssbts dr kbt wdrtc+ Zbb jcmptbr 6fdr abtme`s+

_mrt G+ Maaetedkm` Wbquerbnbkts fdr Zpbjefej Ndrtimibb Qypbs #QD_%

7.72 Ektrdaujtedk+ #QD_%

M ndrtimibb nmy gb mpprdvba td pmrtejepmtb ek tcb Abpmrtnbkt―s ndrtimibeksurmkjb prdirmns ms dkb df tcb fd``dweki abseikmtba typbs df ndrtimibb+Ek maaetedk td tcb ibkbrm` mpprdvm` rbquerbnbkts df _mrt M df tces jcmptbr, et

nust nbbt spbjefej rbquerbnbkts fdr ets pmrteju`mr ndrtimibb typb+

7.76 Zupbrvesba Ndrtimibbs+ #QD_%

M supbrvesba ndrtimibb es m fekmkjem` ekstetutedk tcmt es m nbngbr df tcb

Fbabrm` Wbsbrvb Zystbn dr mk ekstetutedk wcdsb mjjdukts mrb eksurba gy tcb

FAEJ dr tcb KJRM+ Zujc m ndrtimibb es kdt rbquerba td cmvb ndrtimib`bkaeki ms m prekjepm` mjtevety ms absjregba ek pmrmirmpc 7.75#J%+ M sugseaemry

dr mk mffeèmtb df m supbrvesba fekmkjem` ekstetutedk es kdt jdkseabrba td gbsupbrvesba fdr mpprdvm` ms mk FCM ndrtimibb+ Bxmnp`bs df supbrvesbandrtimibbs mrb gmkls, smvekis mssdjemtedks, mka jrbaet ukedks+

M+ _brnesseg`b Ndrtimib @bkaeki Mjtevetebs+ M supbrvesba ndrtimibb

nmy dreiekmtb, ukabrwretb, purjcmsb, cdà, sbrvejb, mka sb`` FCMeksurba ndrtimibs mka sugnet mppèjmtedks fdr ndrtimib eksurmkjb+

G+ Grmkjc Dffejbs+ M supbrvesba ndrtimibb nmy nmektmek FCMrbiestbrba grmkjc dffejbs tcmt dreiekmtb eksurba ndrtimibs+ Zpbjefejmpprdvm` rbquerbnbkts mrb ek jcmptbr 2+ Qcb ndrtimibb es fu` y

rbspdkseg`b td CRA fdr tcb mjtedks df ets dffejbs+

J+ Feaujemry Wb`mtedksceps+ Mpprdvm` df m fekmkjem` ekstetutedk ms m

supbrvesba ndrtimibb jdkstetutbs mpprdvm` fdr et td mjt ek m feaujemryjmpmjety ek ekvbsteki feaujemry fukas, wcejc mrb ukabr ets ekaeveaum` dr

hdekt jdktrd`+ Ycbk sujc m feaujemry rb`mtedkscep es bkaba, mky eksurba

ndrtimibs cbà ek tcb feaujemry bstmtb nust gb trmksfbrrba td mkmpprdvba supbrvesba ndrtimibb< tcb feaujemry rb`mtedkscep nust

pbrnet tcb trmksfbr+




1?6?+= WBV.7

?3$?6 9.=

Jcmptbr 9 ]umèty Jdktrd` _`mk

9.= Ibkbrm`+ #QD_% M`` FCM mpprdvba ndrtimibbs, ekjùaeki `dmk jdrrbspdkabkts, nust

enp`bnbkt mka jdktekudus`y cmvb ek p`mjb m ]umèty Jdktrd` _`mk fdr tcb

dreiekmtedk mka$dr sbrvejeki df eksurba ndrtimibs ms m jdkaetedk df rbjbevekimka nmektmekeki FCM mpprdvm`+ Qces mppèbs td gdtc tcb Zeki`b Fmne`y mka tcbNu`tefmne`y Cduseki prdirmns+ M jdpy df tcb p`mk nust gb sugnettba wcbk

mpp`yeki fdr ndrtimibb mpprdvm`+

]umèty Jdktrd` nust gb m prbsjregba mka rdutekb fukjtedk df bmjc

ndrtimibb)s dpbrmtedks wcbtcbr pbrfdrnba gy m ndrtimibb)s stmff dr mk

dutseab sdurjb+ Ndrtimibbs mpp`yeki fdr mpprdvm` td dreiekmtb dk`y dr sbrvejbdk`y nmy sugnet m p`mk tcmt pbrtmeks dk`y td tcb fukjtedk tcby we`` pbrfdrn+ Mndrtimibb tcmt we`` pbrfdrn gdtc dreiekmtedk mka sbrvejeki nust sugnet m p`mk

tcmt jdvbrs gdtc fukjtedks+

Qces Jcmptbr sbts fdrtc gmsej rbquerbnbkts tcmt m`` ndrtimibbs nust nbbt,m`dki wetc m abirbb df f`bxegeèty, sd tcmt bmjc ndrtimibb nmy abvb`dp mprdirmn tcmt fets ets jerjunstmkjbs wce`b jdkfdrneki td FCM)s rbquerbnbkts+Ndrtimibbs scduà jdkseabr tcmt sdnb df tcb rbquerbnbkts neict kdt gbmppèjmg`b td tcber dpbrmtedk+ Et es kbjbssmry td pbrfdrn ]umèty Jdktrd` dk`y

dk tcdsb mjtevetebs ek wcejc m ndrtimibb es bkimiba+

_mrt M+ Dvbrm`` Wbquerbnbkts

9.7 Idm`s df ]umèty Jdktrd`+ #QD_%

Qcb fd``dweki mrb tcb dvbrreaeki idm`s df ]umèty Jdktrd`+ Ndrtimibbs nustabseik prdirmns tcmt nbbt tcbsb gmsej idm`s8

x Mssurb jdnpèmkjb wetc FCM)s mka tcb ndrtimibb)s dwk dreiekmtedk drsbrvejeki rbquerbnbkts tcrduicdut ets dpbrmtedks<

x _rdtbjt tcb ndrtimibb mka FCM frdn ukmjjbptmg`b resl<

x Iumra mimekst brrdrs, dnessedks mka frmua< mka

x Mssurb sweft mka mpprdpremtb jdrrbjtevb mjtedk+

Fmeùrb td jdnp`y wetc spbjefej ]umèty Jdktrd` rbquerbnbkts nmy rbsu`t ek

smkjtedks mka tcb enpdsetedk df Jeve` Ndkby _bkm`tebs gy tcb Ndrtimibb Wbvebw

Gdmra #NWG%+

9.: Gmsej B`bnbkts df ]umèty Jdktrd`+ #QD_%

Qcbrb mrb sbvbrm` gmsej b`bnbkts tcmt mrb rbquerba ek m`` ]umèty Jdktrd`_rdirmns tcmt mpp`y td gdtc dreiekmtedk mka sbrvejeki+

M+ _`mk Fdrn mka Bxbjutedk+ M`` ]umèty Jdktrd` _rdirmns nust gb ekwreteki+ Ndrtimibbs nust cmvb fu``y fukjtedkeki ]umèty Jdktrd`

_rdirmns frdn tcb amtb df tcber eketem` FCM mpprdvm` ukte` fekm`surrbkabr dr tbrnekmtedk df tcber mpprdvm`+

G+ Ekabpbkabkjb+ Qcb ]umèty Jdktrd` fukjtedk nust gb ekabpbkabkt df

tcb dreiekmtedk mka sbrvejeki fukjtedks+ Qces ekabpbkabkjb nmy gb

mjjdnpèscba ek m vmrebty df wmys+ Abpbkaeki dk m ndrtimibb)s




1?6?+= WBV.7

?3$?6 9.7

dpbrmtedks, `dmk vdùnb, stmff sezb dr dtcbr fmjtdrs, m ndrtimibb nmyprbfbr dkb nbtcda dvbr mkdtcbr+ ]umèty Jdktrd` fukjtedks nmy gb

pbrfdrnba useki8

=+ Ek.Cdusb Ztmff+ Ndrtimibbs nmy bstmgèsc m uket tcmt es

abaejmtba sd`b`y td ]umèty Jdktrd`+ Ztmff pbrfdrneki ]umètyJdktrd` rbvebws nust kdt gb ekvd`vba ek tcb amy.td.amy

prdjbssbs tcmt tcby mrb rbvebweki+ #QD_%

7+ Dutseab Ferns+ Ndrtimibbs nmy bkimib dutseab sdurjbs td

pbrfdrn tcb ]umèty Jdktrd` fukjtedk+ Qcb FCM mpprdvba

spdksdrs df `dmk jdrrbspdkabkts mrb mjjbptmg`b ms sujc dutseabsdurjbs+ M ndrtimibb jdktrmjteki dut mky pmrt df ets ]umèty

Jdktrd` fukjtedk es rbspdkseg`b fdr bksureki tcmt tcb dutseabsdurjb es nbbteki CRA)s rbquerbnbkts+ Mky mirbbnbkt wetc

tcb dutseab sdurjb nust gb ek wreteki, stmtb tcb rd`bs mkarbspdksegeètebs df bmjc pmrty, mka gb mvme`mg`b fdr rbvebw gy

CRA stmff+ #QD_%

J+ ]umèfeba Ztmff+ Ndrtimibbs nust prdpbr`y trmek stmff ekvd`vba ek]umèty Jdktrd` mka prdveab tcbn mjjbss td jurrbkt iueabèkbs rb`mteki

td tcb dpbrmtedks tcmt tcby rbvebw+ Et es kdt kbjbssmry fdr ndrtimibbstd nmektmek tcbsb iueabèkbs ek cmra jdpy fdrnmt ef tcby mrb mjjbsseg`b

ek mk b`bjtrdkej fdrnmt+ Nmky df tcb stmtutbs, rbiu`mtedks, CRA

Cmkagddls mka Ndrtimibb @bttbrs wcejc bstmgèsc tcb rbquerbnbktsfdr FCM prdirmns mrb mvme`mg`b dk tcb wbg pmib fdr CRAJ@E_Z mt8

cttp8$$www+cuajèps+dri$jie$ekabx+jie+

A+ Qenbèkbss+ Ndrtimibbs nust bksurb tcmt qumèty jdktrd` rbvebws mrbpbrfdrnba dk m rbiu`mr mka tenb`y gmses+ Abpbkaeki dk m ndrtimibb)s

prdaujtedk vdùnb, dreiekmtedk rbvebws nmy gb pbrfdrnba wbbl`y,

ndktc`y, dr qumrtbr`y+ Qcb rbvebw df m spbjefej ndrtimib scduà gbjdnp`btba wetcek 5? amys df j`dseki+ Wbvebws df aeffbrbkt mspbjts df sbrvejeki we`` vmry ek frbqubkjy< cdwbvbr, abèkqubkt sbrvejeki mka `dss

neteimtedk mjtevetebs scduà gb rbvebwba ndktc`y+ Qenbèkbss es

aesjussba furtcbr ek tcb Dreiekmtedk mka Zbrvejeki sbjtedks df tcesJcmptbr+

B+ Zystbn df @dmk Fe`b Wbvebw+ Qcb ]umèty Jdktrd` _rdirmn nust

prdveab fdr tcb rbvebw df m rbprbsbktmtevb smnp`b df m ndrtimibb)s`dmks+ Qces rbvebw nust bvmùmtb tcb mjjurmjy mka mabqumjy df tcbekfdrnmtedk mka adjunbktmtedk usba ek rbmjceki abjesedks ek betcbr tcb

dreiekmtedk dr sbrvejeki prdjbssbs+ Zpbjefej b`bnbkts fdr etbns td

rbvebw mrb aesjussba ek tcb Dreiekmtedk mka Zbrvejeki sbjtedks df tcesJcmptbr+ #QD_%

F+ Mabqumtb Zjdpb mka Zmnpèki+ Qcb ]umèty Jdktrd` rbvebws nusttcdrduic`y bvmùmtb tcb ndrtimibb―s dreiekmtedk mka$dr sbrvejekifukjtedks td abtbrnekb tcb rddt jmusb df abfejebkjebs+ Qcb ndrtimibb

nust bxpmka tcb sjdpb df tcb ]umèty Jdktrd` rbvebw wcbk frmua dr

pmttbrks df abfejebkjebs mrb ukjdvbrba< sjdpb nbmks gdtc mk ekjrbmsbakungbr df fe`bs ms wb`` ms ndrb ek.abptc rbvebw+ M`` mspbjts df tcb




1?6?+= WBV.7

?3$?6 9.:

ndrtimibb―s dpbrmtedk, ekjùaeki gut kdt ènetba td m`` grmkjc dffejbs drsetbs, FCM mpprdvba `dmk jdrrbspdkabkts, mutcdrezba mibkts, `dmk

dffejbrs dr dreiekmtdrs, prdjbssdrs, ukabrwretbrs, mpprmesbrs, j`dsekipbrsdkkb`, m`` FCM `dmk prdirmns, sbrvejeki pbrsdkkb`, `dss neteimtedkprdjbaurbs, bsjrdw mkm`yses, mka mssunptedks, nust gb sughbjt td tcb

ndrtimibb―s ]umèty Jdktrd` rbvebws+ Zmnp`b Zezb es aesjussba ek tcbDreiekmtedk mka Zbrvejeki sbjtedks df tces Jcmptbr+ #QD_%

I+ Zetb Wbvebw+ M ndrtimibb)s dffejbs, ekjùaeki trmaetedkm`,kdktrmaetedkm` grmkjc mka aerbjt `bkaeki dffejbs bkimiba ek dreiekmtedk

dr sbrvejeki df FCM.eksurba `dmks, nust gb rbvebwba td abtbrnekb tcmttcby mrb ek jdnpèmkjb wetc tcb Abpmrtnbkt)s rbquerbnbkts+

=+ Wbvebw Etbns+ Qcb rbvebw nust ekjùab, gut kdt kbjbssmre`ygb ènetba td, jdkfernmtedk df tcb fd``dweki etbns8

x Qcb dffejb es prdpbr`y rbiestbrba wetc FCM mka tcb

maarbss es jurrbkt<

x Dpbrmtedks mrb jdkaujtba ek m prdfbssedkm`, gusekbss.èlbbkverdknbkt<

x Ef `djmtba ek jdnnbrjem` spmjb, tcb dffejb es prdpbr`y mka

j`bmr`y eabktefeba fdr mky wm`l.ek justdnbrs< cms

mabqumtb dffejb spmjb mka bquepnbkt< es ek m `djmtedkjdkaujevb td ndrtimib `bkaeki< mka es sbpmrmtba frdn

mky dtcbr bktety gy wm``s dr pmrtetedks #bktrmkjbs mkarbjbptedk mrbms nmy gb scmrba%<

x Ef `djmtba ek kdk.jdnnbrjem` spmjb, tcb dffejb cmsmabqumtb dffejb spmjb mka bquepnbkt< aesp`mys m fmer

cduseki pdstbr ef tcb pugèj es rbjbevba< ef et es dpbk td

rbjbevb tcb pugèj, et nust gb mjjbsseg`b td pbrsdks wetcaesmgeètebs, ekjùaeki tcdsb wetc ndgeèty enpmernbkts< ef

et es kdt dpbk td tcb pugèj, gut usba djjmsedkm``y tdnbbt wetc nbngbrs df tcb pugèj, m`tbrkmtb nbmks df

mjjdnndamtedk nmy gb usba td sbrvb pbrsdks wetcaesmgeètebs<

x Qcb sbrvejeki dffejb prdveabs td``.frbb èkbs dr mjjbpts

jd``bjt jm``s frdn ndrtimidrs<

x Qcb dffejb es suffejebkt`y stmffba wetc trmekba pbrsdkkb`<

x Dffejb pbrsdkkb` cmvb mjjbss td rb`bvmkt stmtutbs,

rbiu`mtedks, CRA essumkjbs mka Cmkagddls, betcbr ek

cmra jdpy dr b`bjtrdkejm``y<

x _rdjbaurbs mrb rbvesba td rbf`bjt jcmkibs ek CRA

rbquerbnbkts mka pbrsdkkb` mrb ekfdrnba df tcb

jcmkibs<x _brsdkkb` mt tcb dffejb mrb m`` bnp`dybbs df tcb

ndrtimibb dr jdktrmjt bnp`dybbs pbrfdrneki fukjtedks

tcmt FCM m``dws td gb dutsdurjba< mka

x Qcb dffejb adbs kdt bnp`dy dr cmvb m jdktrmjt wetcmkydkb jurrbkt`y ukabr abgmrnbkt dr suspbksedk, dr m

@enetba Abkem` df _mrtejepmtedk+ #QD_%

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib :? df 55



1?6?+= WBV.7

?3$?6 9.1

7+ Frbqubkjy+ Qbjckd`diy bkmg`bs ndrtimibbs td jdkaujtbffbjtevb ]umèty Jdktrd` rbndtb`y+ Mkkum` vesets mrb nmkamtdry

fdr dffejbs nbbteki jbrtmek ceicbr resl jretbrem sujc ms ceic bmr`yabfmu`t rmtbs, kbw grmkjcbs dr kbw lby pbrsdkkb`, suaabkekjrbmsbs ek vdùnb, mka pmst prdg`bns+ Dtcbr setbs nust gb

rbvebwba td mssurb jdnpèmkjb wetc FCM)s rbquerbnbkts mt mfrbqubkjy mka ek m nmkkbr abtbrnekba mpprdpremtb gy tcbndrtimibb+ Qcb jretbrem usba gy tcb ndrtimibb td abtbrnekbtcb frbqubkjy df dk.setb rbvebws nust gb ek wreteki mka

mvme`mg`b fdr rbvebw gy CRA mt tcb jdrpdrmtb dffejb mka mky

grmkjc dffejb tcmt es kdt gbeki rbvebwba mkkum``y+

:+ Ztmffeki+ Ycbk et es kdt fbmseg`b fdr ]umèty Jdktrd` stmff td veset

bmjc grmkjc, qumèfeba pbrsdkkb` frdn mkdtcbr dffejb df tcbndrtimibb, kdt ekvd`vba ek tcb amy.td.amy prdjbssbs tcby mrbrbvebweki, dr mk dutseab fern nmy pbrfdrn tcb rbvebw+ #QD_%

C+ Mffeèmtb Wbvebw+ Qcb Abpmrtnbkt rbquerbs ndrtimibbs td bksurbtcmt tcber jdktrmjtdrs, mibkts, mka `dmk jdrrbspdkabkts mrb mjjbptmg`btd FCM mka dpbrmtb ek jdnpèmkjb wetc FCM rbquerbnbkts+ #QD_%

=+ Zpdksdrs+ M spdksdr)s ]umèty Jdktrd` _rdirmn nust prdveabfdr m rbvebw df `dmks dreiekmtba mka sdà td et gy bmjc df ets `dmk

jdrrbspdkabkts+ spdksdrs scduà abtbrnekb tcb mpprdpremtb

pbrjbktmib td rbvebw gmsba dk vdùnb, pmst bxpbrebkjb mkadtcbr fmjtdrs+ Zpdksdrs nust adjunbkt tcb nbtcdad`diebs mkarbsu`ts+

7+ @dmk Jdrrbspdkabkts+ @dmk jdrrbspdkabkts nmy mrrmkib wetctcber spdksdr#s% td pbrfdrn ]umèty Jdktrd` prdveaba8

x Qcb mrrmkibnbkt wetc tcb spdksdr#s% es abtme`ba ekwreteki<

x Qcb miirbimtb kungbr mka sjdpb df rbvebws nbbt FCMrbquerbnbkts<

x @dmks mrb rbvebwba wetcek 5? amys df j`dseki<

x Fekaekis mrb j`bmr ms td sdurjb mka jmusb< mka

x Wbsu`ts mrb mvme`mg`b ek m tenb`y nmkkbr td gdtc

ndrtimibbs mka CRA+

:+ Ycd`b @dmk mka Zbrvejeki _urjcmsbrs+ Ndrtimibbsmjquereki `dmks nust jdkfern tcmt ndrtimib eksurmkjb

prbneuns cmvb gbbk pmea, eksurmkjb es ek fdrjb, sbjurety

ekstrunbkts cmvb gbbk rbjdraba, mka tcmt tcb fe`bs mka rbjdrasmrb jdnp`btb mka ms bxpbjtba+ #QD_%

E+ Wbpdrteki mka Jdrrbjtevb Mjtedk+ Wbvebw fekaekis nust gb rbpdrtbatd tcb ndrtimibb)s sbkedr nmkmibnbkt wetcek dkb ndktc df jdnp`btedk df tcb eketem` rbpdrt+ Nmkmibnbkt nust tmlb prdnpt mjtedk

td abm` mpprdpremtb`y wetc mky nmtbrem` fekaekis+ Qcb fekm` rbpdrt dr mk

maabkaun nust eabktefy mjtedks gbeki tmlbk, tcb tenbtmg`b fdr tcberjdnp`btedk, mka mky p`mkkba fd``dw.up mjtevetebs+ #QD_%

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib := df 55



1?6?+= WBV.7

?3$?6 9.2

H+ Kdtefejmtedk td CRA+ Fekaekis df frmua dr dtcbr sbredus ved`mtedks

nust gb ennbaemtb`y rbfbrrba, ek wreteki #m`dki wetc mky mvme`mg`bsuppdrteki adjunbktmtedk% td tcb Aerbjtdr df tcb ]umèty MssurmkjbAevesedk ek tcb CRA Cdnbdwkbrscep Jbktbr #CDJ% cmveki huresaejtedk

#abtbrnekba gy tcb Ztmtb wcbrb tcb prdpbrty es `djmtba%+ Ek èbu df sugnetteki m pmpbr rbpdrt, ndrtimibbs nust usb tcb @bkabr Wbpdrtekifbmturb ek tcb Kbeicgdrcdda Ymtjc Bmr`y Ymrkeki Zystbn+ Ef CRAstmff es suspbjtba df ekvd`vbnbkt, rbfbr td tcb Dffejb df Ekspbjtdr

Ibkbrm` mt 12= 9tc Ztrbbt, ZY, Wddn 3726, Ymscekitdk, AJ 7?1=?+

M ndrtimibb―s ]umèty Jdktrd` _rdirmn nust bksurb tcmt fekaekisaesjdvbrba gy bnp`dybbs aureki tcb kdrnm` jdursb df gusekbss mka gy

qumèty jdktrd` stmff aureki rbvebws$muaets df FCM `dmks mrb rbpdrtba tdCRA wetcek 6? amys df tcb eketem` aesjdvbry+ #QD_%

L+ Fe`b Wbtbktedk+ Qcb ]umèty Jdktrd` rbvebw rbpdrt mka fd``dw.up,

ekjùaeki rbvebw fekaekis mka mjtedks tmlbk, pùs prdjbaurmèkfdrnmtedk #sujc ms tcb pbrjbktmib df `dmks rbvebwba, gmses fdrsb`bjteki `dmks, mka wcd pbrfdrnba tcb rbvebw% nust gb rbtmekba gy

tcb ndrtimibb fdr m pbreda df twd ybmrs+ Qcbsb rbjdras nust gb nmabmvme`mg`b td CRA dk rbqubst+ #QD_%

@+ Wbstrejtba _mrtejepmtedk+ Abtbrnekb tcmt kd dkb es bnp`dyba fdr

CRA dreiekmtedk, prdjbsseki, ukabrwreteki dr sbrvejeki wcd esabgmrrba, suspbkaba, sughbjt td m @enetba Abkem` df _mrtejepmtedk #@A_%dr dtcbrwesb rbstrejtba frdn pmrtejepmtedk ek CRA$FCM prdirmns+

Ndrtimibbs nust pbredaejm``y jcbjl bnp`dybb èst, mt `bmst sbne.

mkkum``y+ #QD_%

9.1 ]umèty Jdktrd` ms m Wesl Mssbssnbkt Qdd`+Qcb Abpmrtnbkt rbjdnnbkas tcmt ]umèty Jdktrd` rbpdrts td ndrtimibbnmkmibnbkt ekjùab mk mssbssnbkt df resls+ Ndrtimibbs nmy abvb`dp msystbn df bvmùmteki bmjc ]umèty Jdktrd` smnp`b dk tcb gmses df tcb sbvbrety

df tcb ved`mtedks fduka aureki tcb rbvebw+ Qcb systbn scduà bkmg`b m

ndrtimibb td jdnpmrb dkb ndktc)s smnp`b td prbvedus smnp`bs sd tcbndrtimibb nmy jdkaujt trbka mkm`yses+

Nmkmibnbkt jmk m`sd usb tces tdd` td rbspdka quejl`y td m suaabk abjèkb ek tcbqumèty df ets `dmks mka cb`p eabktefy mka jdrrbjt tcb prdg`bn+ Ndrtimibbs nmyjdkseabr m rmtekis systbn sujc ms tcb fd``dweki fdr bmjc `dmk rbvebwba, tcbk

miirbimtb tcbsb ektd mk dvbrm`` rmteki fdr tcb smnp`b+

M+ @dw Wesl+ Kd, dr m nekdr, prdg`bn wms eabktefeba wetc tcb dreiekmtedk

dr sbrvejeki df tcb `dmk+ #QD_%

G+ Mjjbptmg`b Wesl+ M vmrebty df essubs wbrb eabktefeba pbrtmekeki tdprdjbsseki, adjunbktmtedk dr abjesedks nmab gut kdkb wbrb nmtbrem`

td jrbaetwdrtcekbss, jd``mtbrm` sbjurety dr eksurmgeèty df tcb `dmk+ #QD_%

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib :7 df 55



1?6?+= WBV.7

?3$?6 9.6

J+ Ndabrmtb Wesl+ Qcb rbjdras jdktmekba seikefejmkt ukrbsd`vbaqubstedks dr nesseki adjunbktmtedk+ Fmeùrb td rbsd`vb tcbsb essubs

cms jrbmtba m ndabrmtb resl td tcb ndrtimibb mka FCM+ #QD_%

A+ Nmtbrem` Wesl+ Qcb essubs eabktefeba aureki tcb rbvebw wbrb nmtbrem`

ved`mtedks df FCM dr ndrtimibb rbquerbnbkts mka rbprbsbkt mkukmjjbptmg`b `bvb` df resl+ Fdr bxmnp`b, m seikefejmkt nesjm`ju`mtedk df tcb eksurmg`b ndrtimib mndukt dr tcb mppèjmkt)s jmpmjety td rbpmy,fmeùrb td ukabrwretb mk mssunptedk dr prdtbjt mgmkadkba prdpbrty

frdn amnmib, dr frmua+ Ndrtimibbs nust rbpdrt tcbsb `dmks, ek

wreteki, td tcb ]umèty Mssurmkjb Aevesedk ek tcb FCM CdnbdwkbrscepJbktbr cmveki huresaejtedk+

_mrt G+ ]umèty Jdktrd` fdr Zeki`b Fmne`y Dreiekmtedk

9.2 ]umèty Jdktrd` frdn Gbiekkeki td Bka+ #QD_%

]umèty Jdktrd` fdr dreiekmtedk cms cestdrejm``y gbbk pbrfdrnba dk`y mt tcb bka

df tcb prdjbss, tcmt es, mftbr m `dmk cms j`dsba+ Ek drabr td nmlb et ndrbusbfu`, ndrtimibbs mrb bkjdurmiba td enp`bnbkt ]umèty Jdktrd` tcrduicdut

tcb `dmk dreiekmtedk prdjbss+ Qcb fd``dweki rbjdnnbkamtedks we`` cb p

ndrtimibbs mjjdnpèsc tcbsb bkas8

M+ Ndketdr Mppèjmtedk _rdjbss+ Ndrtimibbs scduà ndketdr tcb ektmlbdf ndrtimidr ekfdrnmtedk td bksurb suffejebkt qubstedks mrb mslba td

bèjet m jdnp`btb pejturb df tcb ndrtimidr―s fekmkjem` setumtedk, tcb

sdurjb df fukas fdr tcb trmksmjtedk, tcb ektbkaba usb df tcb prdpbrty,mka tcmt bnp`dybbs wdrleki wetc tcb ndrtimib mppèjmkt mrblkdw`baibmg`b df tcb dreiekmtedk prdjbss td fu``y absjregb tcb

ndrtimidr―s rbspdksegeètebs ek dgtmekeki m FCM.eksurba ndrtimib+ Qces

nmy ekvd`vb pbredaejm``y ndketdreki jm``s mka fd``dweki up wetcmppèjmkts rbimraeki tcber trbmtnbkt mka ukabrstmkaeki df tcb prdjbss

mka tcber dgèimtedks #b+i+, td mvdea nesrbprbsbktmtedk mka

fm`sefejmtedk%+ Ndrtimibbs nust m`sd vbrefy tcb eabktety df tcb `dmkmppèjmkt+

G+ Jdkaujt _rb.fukaeki Wbvebws+ Ndrtimibbs nmy wmkt td smnp`bjmsbs predr td j`dseki td bvmùmtb tcb qumèty df prdjbsseki mka

ukabrwreteki+ Rseki sujc rbvebws, ndrtimibbs nmy abtbjt prdg`bns

predr td j`dseki wce`b prdg`bns jmk ste`` gb jdrrbjtba+ Qces wduà gbbspbjem` y gbkbfejem` ek jmsbs ekvd`veki `dmks wetc ceicbr resl

jcmrmjtbrestejs+ Mk enpdrtmkt pmrt df prb.fukaeki rbvebws esrbvbrefejmtedk #gy tb`bpcdkb dr ek wreteki% df tcb mppèjmkt)s

bnp`dynbkt, sdurjb df fukas mka rbseabkjy cestdry+ Ef m wrettbkrbvbrefejmtedk rbjbevba aureki m prb.fukaeki ]umèty Jdktrd` rbvebw es

smtesfmjtdry, mkdtcbr wrettbk rbvbrefejmtedk es kdt rbquerba ef tcb `dmk essb`bjtba fdr pdst.j`dseki rbvebw+ #QD_%

J+ Eabktefy _mttbrks+ Ndrtimibbs nust eabktefy pmttbrks df bmr`y

abfmu`ts gy `djmtedk, prdirmn, `dmk jcmrmjtbrestej, `dmk jdrrbspdkabkt

dr spdksdr+ Ndrtimibbs nmy usb CRA―s Kbeicgdrcdda Ymtjc . Bmr`y

Ymrkeki Zystbn td eabktefy pmttbrks+ Ndrtimibbs nust eabktefy

Jmsb =8=7.jv.?9279.HNF Adjunbkt :?.= Fe`ba ?7$=:$=: _mib :: df 55



1?6?+= WBV.7

?3$?6 9.9

jdnndkmètebs mndki pmrtejepmkts ek tcb ndrtimib dreiekmtedk prdjbsstd `bmrk tcb bxtbkt df tcber ekvd`vbnbkt ek prdg`bn jmsbs+ @dmks

ekvd`veki mpprmesbrs, `dmk dffejbrs, prdjbssdrs, ukabrwretbrs, btj+ wcdcmvb gbbk mssdjemtba wetc prdg`bns nust gb ekjùaba ek tcb rbvebwsmnp`b+

9.6 Gmsej Wbquerbnbkts fdr ]umèty Jdktrd` df Zeki`b Fmne`y _rdaujtedk+Ek drabr fdr m ]umèty Jdktrd` _rdirmn td gb usbfu` mka mjjbptmg`b td FCM,tcbrb mrb sbvbrm` rbquerbnbkts tcmt nust gb nbt+ Ndrtimibbs nust macbrbtd bmjc df tcb rbquerbnbkts gb`dw wcbk jdkaujteki rbvebws+ #QD_%

M+ Qenbèkbss+ @dmks nust gb rbvebwba wetcek 5? amys frdn tcb bka df tcb ndktc ek wcejc tcb `dmk j`dsba+ Qces rbquerbnbkt es ektbkaba td

bksurb tcmt prdg`bns `bft ukabtbjtba predr td j`dseki mrb eabktefeba ms

bmr`y mftbr j`dseki ms pdsseg`b+ #QD_%

G+ Frbqubkjy+ Fdr ndrtimibbs j`dseki ndrb tcmk =2 `dmks ndktc`y,

qumèty jdktrd` rbvebws nust gb jdkaujtba mt `bmst ndktc`y mka nust

maarbss dkb ndktc)s mjtevety+ Ndrtimibbs j`dseki =2 dr fbwbr `dmksndktc`y nmy pbrfdrn qumèty jdktrd` rbvebws dk m qumrtbr`y gmses+

J+ Zmnp`b Zezb mka @dmk Zb`bjtedk+ Gbjmusb et es kdt fbmseg`b td rbvebwm`` `dmks dreiekmtba aureki m pbreda, tcb _rdirmn nust rbquerb tcmt mk

mpprdpremtb`y sezba smnp`b es sb`bjtba mka bvmùmtba aureki bmjc

rbvebw+ M ndrtimibb wcd dreiekmtbs mka$dr ukabrwretbs :,2?? drfbwbr FCM `dmks pbr ybmr nust rbvebw =? " df tcb FCM `dmks et

dreiekmtbs+ M ndrtimibb wcd dreiekmtbs mka$dr ukabrwretbs ndrb tcmk:,2?? FCM `dmks pbr ybmr nmy rbvebw =? " df ets `dmks dr m stmtestejm`

rmkadn smnpèki tcmt prdveabs m 52 " jdkfeabkjb `bvb` wetc 7 "

prbjesedk+ Bmjc rbvebw nust adjunbkt cdw tcb smnp`b sezb mkasb`bjtedks wbrb abtbrnekba+ #QD_%

Wbimra`bss df tcb pbrjbktmib df `dmks gbeki rbvebwba, tcb ndrtimibb

nust jdnp`y wetc tcb fd``dweki8

=+ Qmribteki @dmks fdr Wbvebw+ Qcb ]umèty Jdktrd` _rdirmnnust jdktmek prdvesedks td sb`bjt `dmks nbbteki tcb jdkaetedks

stmtba gb`dw+ Et nmy kdt gb fbmseg`b td sb`bjt `dmks frdn bmjcjmtbidry bvbry ndktc, gut mk bffdrt nust gb nmab td sb`bjt

`dmks frdn bmjc jmtbidry ms dftbk ms pdsseg`b+ Mk bnpcmses

scduà gb p`mjba dk mky pmrtejepmkts tcmt cmvb `mrib vdùnbs df `dmks, scdw suaabk ekjrbmsbs ek `dmk vdùnbs dr `dmk abfmu`t

rmtbs, cmvb rbjbkt`y gbiuk m rb`mtedkscep wetc tcb ndrtimibb,

dr jdkjbktrmtb ek sdft nmrlbt mrbms+

m+ @dmks nust gb rbvebwba frdn m`` grmkjc dffejbs mka m``

sdurjbs ekjùaeki mutcdrezba mibkts mka `dmkjdrrbspdkabkts< #QD_%

g+ Ndrtimibbs nust rbvebw tcb wdrl df bmjc df tcb `dmk

prdjbssdrs, `dmk dffejbrs, mka ukabrwretbrs gmsba dk tcbsmnp`b sb`bjtba+ Ek maaetedk, ndrtimibbs nust rbvebw




1?6?+= WBV.7

?3$?6 9.3

tcb wdrl df rdstbr mpprmesbrs, rbm` bstmtb jdnpmkebs,mka gueàbrs wetc wcdn tcby ad m seikefejmkt mndukt df

gusekbss< mka #QD_%

j+ Qcb smnp`b nust ekjùab m`` FCM prdirmns ek wcejc tcb

ndrtimibb pmrtejepmtbs ekjùaeki, gut kdt ènetba td,7?:#g%, 7?:#l%, 7:1#j%, mka Cdnb Bquety JdkvbrsedkNdrtimibs+

7+ Wbjdnnbkamtedks fdr Zb`bjteki Ekaeveaum` @dmks+ Qcb

Abpmrtnbkt)s bxpbrebkjb ek rbvebweki `dmks tcmt wbkt ektd bmr`yabfmu`t cms scdwk tcmt nmky cmvb dkb dr ndrb df tcb

jcmrmjtbrestejs èstba gb`dw+ Et es rbjdnnbkaba tcmt

ndrtimibbs jdkseabr tcbsb jcmrmjtbrestejs, dr mky maaetedkm`dkbs tcby feka usbfu`, ek eabktefyeki `dmks td gb rbvebwba+ #QD_%

x 7.1 uket prdpbrtebs<

x Kbw jdkstrujtedk dr rbcmg `dmks<

x _rdpbrtebs trmksfbrrba wetcek tcb pmst ybmr<

x Zugstmktem` sb``br jdkjbssedks<

x Kdk.djjupyeki jd.ndrtimidrs dr nu`tep`b ndrtimidrs<

x Cduseki bxpbksbs ekjrbmseki gy =+2 tenbs dr ndrb<

x @mrib dr nu`tep`b bmrkbst ndkby abpdsets #ndkby

drabrs%<

x @mrib ekjrbmsb ek gmkl mjjdukt gm`mkjb<

x Zm`b df pbrsdkm` prdpbrty fdr fukas td j`dsb<

x Iefts dr `dmks df fukas td j`dsb<

x Zb`f.bnp`dyba< mka

x @dmks resl mssbssba ms ‐rbfbrs„ gy mutdnmtbaukabrwreteki systbns+

A+ Bmr`y _mynbkt Abfmu`ts+ Ek maaetedk td tcb `dmks sb`bjtba fdr rdutekbqumèty jdktrd` rbvebws, ndrtimibbs nust rbvebw m`` `dmks ideki ektdabfmu`t wetcek tcb ferst sex pmynbkts+ Ms abfekba cbrb, bmr`y pmynbktabfmu`ts mrb `dmks tcmt gbjdnb 6? amys pmst aub+ #QD_%

B+ Adjunbktmtedk Wbvebw mka Vbrefejmtedk+ Qcb ]umèty Jdktrd`_rdirmn nust prdveab fdr tcb rbvebw mka jdkfernmtedk df ekfdrnmtedk

dk m`` `dmks sb`bjtba fdr rbvebw+ #QD_%

=+ Jrbaet Wbpdrt+ M kbw jrbaet rbpdrt nust gb dgtmekba fdr bmjcgdrrdwbr wcdsb `dmk es ekjùaba ek m ]umèty Jdktrd` rbvebw,

uk`bss tcb `dmk wms m strbmnèkb rbfekmkjb dr wms prdjbssba

useki m FCM mpprdvba mutdnmtba ukabrwreteki systbnbxbnptba frdn tces rbquerbnbkt+ M jrbaet rbpdrt dgtmekba fdr m

]umèty Jdktrd` rbvebw nmy gb m Wbseabktem` Ndrtimib Jrbaet

Wbpdrt, m tcrbb rbpdsetdry nbriba ek.fe`b rbpdrt dr, wcbkmpprdpremtb, m gusekbss jrbaet rbpdrt+ Qcb rbpdrt nust jdnp`ywetc tcb jrbaet rbpdrt stmkamras absjregba ek CRA Cmkagddl

1=22+= #ms rbvesba%+ M fu`` Wbseabktem` Ndrtimib Jrbaet Wbpdrtnust gb dgtmekba frdn m aeffbrbkt jrbaet sdurjb dk jmsbs ek




1?6?+= WBV.7

?3$?6 9.5

wcejc tcb ek.fe`b rbpdrt rbvbm`s aesjrbpmkjebs wetc tcb dreiekm`jrbaet rbpdrt+ #QD_%

7+ Jrbaet Adjunbkt Wb.vbrefejmtedk+ Adjunbkts jdktmekba ektcb `dmk fe`b scduà gb jcbjlba fdr suffejebkjy mka sughbjtba td

wrettbk rb.vbrefejmtedk+ Bxmnp`bs df etbns tcmt nust gb rb.vbrefeba ekjùab, gut mrb kdt ènetba td, tcb ndrtimidr)sbnp`dynbkt dr dtcbr ekjdnb, abpdsets, ieft `bttbrs, m`tbrkmtbjrbaet sdurjbs, mka dtcbr sdurjbs df fukas+ Zdurjbs df fukas

nust gb mjjbptmg`b ms wb`` ms vbrefeba+ Dtcbr etbns tcmt nmy

gb rb.vbrefeba ekjùab ndrtimib dr rbkt pmynbkts+ Ef tcbwrettbk rb.vbrefejmtedk es kdt rbturkba td tcb ndrtimibb, m

adjunbktba mttbnpt nust gb nmab td jdkaujt m tb`bpcdkb rb.

vbrefejmtedk+ Ef tcb dreiekm` ekfdrnmtedk wms dgtmekbab`bjtrdkejm``y dr ekvd`vba m`tbrkmtevb adjunbkts, m wrettbk rb.vbrefejmtedk nust ste`` gb mttbnptba+ Mky aesjrbpmkjebs nust gb

bxp`drba td bksurb tcmt tcb dreiekm` adjunbkts #bxjbpt g`mklbt

vbrefejmtedk rb`bmsbs% wbrb jdnp`btba gbfdrb gbeki seikba, wbrbms rbprbsbktba, wbrb kdt cmka`ba gy ektbrbstba tcera pmrtebs

mka tcmt m`` jdrrbjtedks wbrb prdpbr mka eketem`ba+ M`` jdkfèjteki

ekfdrnmtedk ek tcb dreiekm` adjunbktmtedk scduà cmvb gbbkrbsd`vba gbfdrb tcb jdnp`btb fe`b wms sugnettba td tcbukabrwretbr+

:+ Mpprmesm`s+ M absl rbvebw df tcb prdpbrty mpprmesm` nust gbpbrfdrnba dk m`` `dmks jcdsbk fdr m ]umèty Jdktrd` rbvebw

bxjbpt strbmnèkb rbfekmkjbs mka CRA Wbm` Bstmtb Dwkba#WBD% sm`bs+ Qcb absl rbvebw nust ekjùab m rbvebw df tcb

mpprmesm` amtm, tcb vmèaety df tcb jdnpmrmg`bs, tcb vmùb

jdkjùsedk #'ms rbpmerba' td nbbt smfbty mka sdukakbss

rbquerbnbkts ek CRA Cmkagddl 15?2+= #ms rbvesba%%, mkyjcmkibs nmab gy tcb ukabrwretbr mka tcb dvbrm`` qumèty df tcbmpprmesm`+ #QD_%

Ndrtimibbs mrb bxpbjtba td pbrfdrn febà rbvebws dk =? " df

tcb `dmks sb`bjtba aureki tcb smnpèki prdjbss dutèkbaprbvedus`y ek pmrmirmpc 9.6 J mka A+ Febà rbvebws nust gb

pbrfdrnba gy èjbksba mpprmesbrs èstba dk FCM―s Wdstbr df

Mpprmesbrs+ Ndrtimibbs scduà sb`bjt `dmks fdr febà rbvebwsgmsba dk fmjtdrs sujc ms tcdsb èstba prbvedus`y ek pmrmirmpc9.6#J%#7% mka tcb fd``dweki8

x _rdpbrty jdnp`mekts rbjbevba frdn ndrtimidrs<

x Aesjrbpmkjebs fduka aureki absl rbvebws<

x @mrib mahustnbkts td vmùb<

x Jdnpmrmg`b sm`bs ndrb tcmk sex ndktcs dà<

x Bxjbssevb aestmkjbs frdn jdnpmrmg`bs td tcb sughbjtprdpbrty<

x Wbpbtetevb sm`bs mjtevety fdr tcb sughbjt prdpbrty<

x Ekvbstdr.sdà prdpbrtebs<

x Eabktety df ektbrbst gbtwbbk guybr mka sb``br<

x Zb``br eabktety aeffbrs frdn dwkbr df rbjdra< mka




1?6?+= WBV.7

?3$?6 9.=?

x Vmjmkt prdpbrtebs+

Ek maaetedk, m febà rbvebw scduà gb jdnp`btba dk `dmkssb`bjtba ek mjjdramkjb wetc pmrmirmpcs 9.6#J% mka #A% wcbrbtcb absl rbvebw rbvbm`ba seikefejmkt prdg`bns$abfejebkjebs wetc

tcb mpprmesm` rbpdrt+ Ef sbredus abfejebkjebs dr pmttbrks mrbukjdvbrba, ndrtimibbs nust rbpdrt tcbsb etbns, ek wreteki, tdtcb ]umèty Mssurmkjb Aevesedk ek tcb CRA CdnbdwkbrscepJbktbr cmveki huresaejtedk+ #QD_%

1+ Djjupmkjy Wbvbrefejmtedk+ Ek jmsbs wcbrb tcb djjupmkjy df tcb sughbjt prdpbrty es suspbjt, ndrtimibbs nust mttbnpt tdabtbrnekb wcbtcbr tcb ndrtimidr es djjupyeki tcb prdpbrty+

Qcb fmeùrb df tcb ndrtimidr td djjupy tcb prdpbrty nmy gb mkekaejmtedk tcmt tcb `dmk jdktmeks dtcbr prdg`bns+ Ef et es fdukatcmt tcb ndrtimidr es kdt djjupyeki m prdpbrty ndrtimiba ms

dwkbr.djjupeba, ndrtimibbs nust rbpdrt tces, ek wreteki, td tcb

]umèty Mssurmkjb Aevesedk ek tcb CRA Cdnbdwkbrscep Jbktbrcmveki huresaejtedk+ Et m`sd wduà gb mavesmg`b td rbvebw dtcbr

sene`mr `dmks fdr djjupmkjy+ #QD_%

F+ Rkabrwreteki Abjesedks+ Bmjc Aerbjt Bkadrsbnbkt `dmk sb`bjtba fdrm qumèty jdktrd` rbvebw nust gb rbvebwba fdr jdnpèmkjb wetc CRA

ukabrwreteki rbquerbnbkts, suffejebkjy df adjunbktmtedk mka tcb

sdukakbss df ukabrwreteki huainbkts+ #QD_%

I+ Jdkaetedk J`bmrmkjb mka J`dseki+ Bmjc `dmk sb`bjtba fdr m qumèty

jdktrd` rbvebw nust gb rbvebwba td abtbrnekb wcbtcbr8

x Jdkaetedks wcejc wbrb rbquerba td gb smtesfeba predr td j`dseki

wbrb ek fmjt nbt predr td j`dseki<x Qcb sb``br wms tcb dwkbr df rbjdra, dr wms bxbnpt frdn tcb

dwkbr df rbjdra rbquerbnbkt ek mjjdramkjb wetc CRArbiu`mtedks<

x Qcb `dmk wms j`dsba mka fukas aesgursba ek mjjdramkjb wetc tcb

ndrtimibb)s ukabrwreteki mka sugsbqubkt j`dseki ekstrujtedks<mka

x Qcb j`dseki mka `bim` adjunbkts mrb mjjurmtb mka jdnp`btb+

9.9 Zpbjefej B`bnbkts fdr tcb _rdaujtedk _drtedk df tcb ]umèty Jdktrd`_rdirmn+ #QD_%

M ndrtimibb)s ]umèty Jdktrd` _rdirmn nust prdveab fdr m rbvebw df ndrtimib

`dmk fe`bs td bvmùmtb tcb `dmk dreiekmtedk mka ukabrwreteki fukjtedks+ QcbAbpmrtnbkt cms fduka tcmt tcb etbns èstba gb`dw mrb typejm``y fduka ek m

idda ]umèty Jdktrd` _rdirmn+ Nekenm``y, tcb ]umèty Jdktrd` _rdirmn nustmaarbss tcbsb b`bnbkts ms wb`` ms mky dtcbrs tcmt neict gb usbfu` ek tcb

bvmùmtedk+

M+ Abtbrnekb wcbtcbr tcb ekfdrnmtedk ek tcb prbènekmry `dmk mppèjmtedk,

fekm` mppèjmtedk mka m`` jrbaet adjunbkts es jdksestbkt dr rbjdkje`ba+




CRA Cmkagddl 1=22+= Wbv.2Jcmptbrs 7, :.=




1=22+= WBV.2

JCM_QBW 7

NDWQIMIB JWBAEQ MKM@UZEZ

7.= DVBWVEBY+ Qcb purpdsb df ukabrwreteki es td abtbrnekb m gdrrdwbr―s mgeèty

mka we`èkikbss td rbpmy tcb ndrtimib abgt, tcus èneteki tcb prdgmgeèty df abfmu`t mka jd``bjtedk aeffeju`tebs, mka td bxmnekb tcb prdpbrty dffbrba ms sbjuretyfdr tcb `dmk td abtbrnekb ef et es suffejebkt jd``mtbrm`+ Qcb ‐Fdur J―s df Jrbaet„#Jrbaet cestdry, Jmpmjety td rbpmy, Jmsc td j`dsb, mka tcb Jd``mtbrm`% mrb bvmùmtbaaureki tcb ukabrwreteki prdjbss+

Qces jcmptbr dk ndrtimib jrbaet mkm`yses absjregbs prdjbaurbs fdr bvmùmteki tcbjrbaet cestdry, tcb gdrrdwbr―s jmpmjety td nmlb pmynbkts, mka wcbtcbr suffejebktjmsc mssbts mrb mvme`mg`b td j`dsb tcb ndrtimib+ Et prdveabs tcb rbquerbnbkts dktcb typbs df ekjdnb tcmt nmy gb jdkseabrba ek qumèfyeki tcb gdrrdwbr, tcbèmgeètebs tcmt nust gb ekjùaba ek tcb abtbrnekeki jrbaetwdrtcekbss, mka tcb abgt.

td.ekjdnb rmteds mka jdnpbksmteki fmjtdrs usba ek tcb ukabrwreteki prdjbss+Qcbsb ukabrwreteki ekstrujtedks mrb FCM―s ‐gmsb.èkb„ jrbaet pdèjebs+ Fdr tcdsb`bkabrs useki FCM.mpprdvba mutdnmtba ukabrwreteki systbns #MRZ% dr tcdsbbnp`dyeki FCM―s QDQM@ ndrtimib sjdrbjmra, tcbrb we`` gb m jdkseabrmg`bkungbr df rbvesedks td tcbsb pdèjebs, ekjùaeki adjunbktmtedk rbquerbnbkts, msabsjregba ek dtcbr FCM essumkjbs+

7.7 NDWQIMIB B@EIEGE@EQU #GDWWDYBWZ%+ Ibkbrm``y, wb we`` eksurbndrtimibs nmab td ekaeveaum`s dk`y+ Rkabr tcb jdkaetedks absjregba ek Jcmptbr =,wb we`` m`sd eksurb ndrtimibs nmab td stmtb mka `djm` idvbrknbkt mibkjebs mkampprdvba kdkprdfet drimkezmtedks+

M+ Gdrrdwbrs, Jd.Gdrrdwbrs mka Jd.Zeikbrs+ Gdrrdwbrs mka Jd. gdrrdwbrs tmlb tet`b td tcb prdpbrty mka mrb dgèimtba dk tcb ndrtimib kdtbmka nust m`sd seik tcb sbjurety ekstrunbkt+ Qcb jd.gdrrdwbr―s ekjdnb,mssbts, èmgeètebs, mka jrbaet cestdry mrb jdkseabrba ek abtbrnekekijrbaetwdrtcekbss+

Jd.seikbrs ad kdt cdà dwkbrscep ektbrbst ek m prdpbrty, gut mrb èmg`b fdr rbpmyeki tcb dgèimtedk mka nust seik m`` adjunbkts wetc tcb bxjbptedk df tcb sbjurety ekstrunbkts+ Qcb jd.seikbr)s ekjdnb, mssbts, èmgeètebs, mkajrbaet cestdry mrb jdkseabrba ek abtbrnekeki jrbaetwdrtcekbss fdr tcbndrtimib mka tcb jd.seikbr nust jdnp`btb mka seik tcb `dmk mppèjmtedk+

Yb ad kdt pbrnet mk ekaeveaum` td tmlb mk dwkbrscep ektbrbst ek tcb prdpbrty mt sbtt`bnbkt wetcdut seikeki tcb ndrtimib kdtb mka m`` sbjuretyekstrunbkts+

Qcb fd``dweki jdkaetedks m`sd mpp`y td jd.gdrrdwbr mka jd.seikbr bèiegeèty8

Djtdgbr 7??: 7.=




1=22+= WBV.2

=+ M jd.gdrrdwbr dr m jd.seikbr nmy kdt gb m pmrty tcmt cms mfekmkjem` ektbrbst ek tcb trmksmjtedk, sujc ms tcb sb``br, gueàbr, rbm`bstmtb mibkt, btj+ Bxjbptedks nmy gb irmktba ef tcb sb``br mka jd. gdrrdwbr$jd.seikbr es rb`mtba td tcb dwkbr gy g`dda, nmrremib dr `mw+

7+ Mk ekaeveaum` seikeki tcb `dmk mppèjmtedk nust kdt gb dtcbrwesbekbèieg`b fdr pmrtejepmtedk+ #Zbb pmrmirmpc 7.2%+

:+ Rk`bss dtcbrwesb bxbnptba #b+i+, neètmry sbrvejb wetc dvbrsbmsmsseiknbkts, R+Z+ jetezbks èveki mgrdma%, mky kdk.djjupyeki jd. gdrrdwbrs dr jd.seikbrs nust cmvb m prekjepm` rbseabkjb ek tcbRketba Ztmtbs+

M`` rbfbrbkjbs td jd.gdrrdwbrs ‚ ekjùaeki tcb 92 pbrjbkt @QV ènets

#pmrmirmpc =.3#G%%, btj+ ‚ mpp`y bqum``y td jd.seikbrs #bxjbpt jd.seikbrs

ad kdt tmlb tet`b td tcb prdpbrty dr seik tcb sbjurety ekstrunbkts%+

G+ Jetezbkscep mka Enneirmtedk Ztmtus+ Jetezbkscep df tcb Rketba Ztmtbs eskdt rbquerba fdr bèiegeèty+ Ycbk m ndrtimib dmk mppèjmkt ekaejmtbs dktcb `dmk mppèjmtedk tcmt cb dr scb cdàs sdnbtceki dtcbr tcmk R+Z+jetezbkscep, tcb `bkabr nust abtbrnekb rbseabkjy stmtus frdn tcbadjunbktmtedk prdveaba gy tcb gdrrdwbr+

@mwfu` _brnmkbkt Wbseabkt Mèbks8 Fdr tcdsb gdrrdwbrs wetc `mwfu` pbrnmkbkt rbseabkt mèbk stmtus, FCM we`` eksurb tcb ndrtimib ukabr tcbsmnb tbrns mka jdkaetedks ms R+Z+ jetezbks+ Qcb `bkabr nust adjunbkt tcbndrtimib fe`b wetc bveabkjb df pbrnmkbkt rbseabkjy mka ekaejmtb dk tcbRkefdrn Wbseabktem` @dmk Mppèjmtedk #RW@M% tcmt tcb gdrrdwbr es m`mwfu` pbrnmkbkt rbseabkt mèbk+ Bveabkjb df `mwfu` pbrnmkbkt rbseabkjyes essuba gy tcb Gurbmu df Jetezbkscep mka Enneirmtedk Zbrvejbs #GJEZ%#fdrnbr`y tcb Enneirmtedk mka Kmturmèzmtedk Zbrvejb% wetcek tcbAbpmrtnbkt df Cdnb`mka Zbjurety+

Kdk._brnmkbkt Wbseabkt Mèbks8 FCM we`` m`sd eksurb m ndrtimib nmabtd m kdk.pbrnmkbkt rbseabkt mèbk prdveaba tcmt tcb prdpbrty we`` gb tcb gdrrdwbr)s prekjepm` rbseabkjb, tcb gdrrdwbr cms m vmèa ZZK, mka tcb gdrrdwbr es bèieg`b td wdrl ek tcb R+Z+ ms bveabkjba gy mk Bnp`dynbktMutcdrezmtedk Adjunbkt #BMA% essuba gy GJEZ+ Ef tcb mutcdrezmtedk fdr tbnpdrmry rbseabkjy stmtus we`` bxperb wetcek dkb ybmr mka m predr cestdrydf rbseabkjy stmtus rbkbwm`s bxests, tcb `bkabr nmy mssunb jdktekumtedkwe`` gb irmktba+ Ef tcbrb mrb kd predr rbkbwm`s, tcb `bkabr nust abtbrnekbtcb èlbècdda df rbkbwm`, gmsba dk ekfdrnmtedk frdn tcb GJEZ+

M`tcduic sdjem` sbjurety jmras nmy ekaejmtb wdrl stmtus, sujc ms ‐kdt vmèafdr wdrl purpdsbs,„ mk ekaeveaum`―s wdrl stmtus nmy jcmkib wetcdut tcb

Djtdgbr 7??: 7.7




1=22+= WBV.2

jcmkib gbeki rbf`bjtba dk tcb mjtum` sdjem` sbjurety jmra+ Qcbrbfdrb, tcbsdjem` sbjurety jmra es kdt td gb usba ms bveabkjb df wdrl stmtus fdr kdk. pbrnmkbkt rbseabkt mèbks< tcb GJEZ bnp`dynbkt mutcdrezmtedk adjunbktes td gb usba ekstbma+

Kdk.R+Z+ Jetezbks wetc kd `mwfu` rbseabkjy ek tcb R+Z+ mrb kdt bèieg`b fdr FCM.eksurba ndrtimibs+

J+ Gdrrdwbr)s Mib+ Qcbrb es kd nmxenun mib ènet fdr m gdrrdwbr+ Qcbnekenun mib es tcb mib mt wcejc tcb ndrtimib kdtb jmk gb bkfdrjba`bim``y ek tcb stmtb dr dtcbr huresaejtedk ek wcejc tcb prdpbrty es `djmtba+

A+ Kdk._urjcmseki Zpdusbs+ Ef rbquerba gy stmtb `mw ek drabr td pbrfbjt mvmèa mka bkfdrjbmg`b ferst èbk, tcb kdk.purjcmseki spdusb nmy gbrbquerba td seik betcbr tcb sbjurety ekstrunbkt dr adjunbktmtedkbveabkjeki tcmt cb dr scb es rbèkquesceki m`` reicts td tcb prdpbrty+ Ef tcb

kdk.purjcmseki spdusb bxbjutbs tcb sbjurety ekstrunbkt fdr sujc rbmsdks,cb dr scb es kdt jdkseabrba m gdrrdwbr fdr dur purpdsbs mka kbba kdt seiktcb `dmk mppèjmtedk+ Ek m`` dtcbr jmsbs, tcb kdk.purjcmseki spdusb es kdttd mppbmr dk tcb sbjurety ekstrunbkt dr dtcbrwesb tmlb tet`b td tcb prdpbrtymt `dmk sbtt`bnbkt+

Ycbrb tcbrb mrb kdk.purjcmseki spdusbs wcd seik sbjurety ekstrunbktsrbèkquesceki tcber reicts td tcb prdpbrty pursumkt td mppèjmg`b stmtb `mws,tcbsb kdk.purjcmseki spdusbs ad kdt cmvb td seik tcb ndrtimib kdtb+Zeikeki tcb sbjurety ekstrunbkt fdr sujc purpdsbs adbs kdt nmlb tcb kdk. purjcmseki spdusb m jd.gdrrdwbr+

Bxjbpt fdr tcb dgèimtedks spbjefejm``y bxjùaba gy stmtb `mw, tcb abgts df tcb kdk.purjcmseki spdusb nust gb ekjùaba ek tcb gdrrdwbr―s qumèfyekirmteds ef tcb gdrrdwbr rbseabs ek m jdnnukety prdpbrty stmtb dr tcb prdpbrtytd gb eksurba es `djmtba ek m jdnnukety prdpbrty stmtb+ M`tcduic tcb kdk. purjcmseki spdusb)s jrbaet cestdry es kdt td gb jdkseabrba m rbmsdk fdr jrbaet abkem`, m jrbaet rbpdrt tcmt jdnpèbs wetc tcb rbquerbnbkts df pmrmirmpc 7.1 nust gb dgtmekba fdr tcb kdk.purjcmseki spdusb ek drabr tdabtbrnekb tcb abgt.td.ekjdnb rmted+

B+ Neètmry _brsdkkb`+ Neètmry pbrsdkkb` mrb jdkseabrba djjupmkt.dwkbrsmka mrb bèieg`b fdr nmxenun fekmkjeki ef m nbngbr df tcb ennbaemtbfmne`y we`` djjupy tcb prdpbrty ms m prekjepm` rbseabkjb, bvbk ef tcbsbrvejb pbrsdk es stmtedkba b`sbwcbrb+

F+ @eveki Qrusts+ _rdpbrty cbà ek m èveki trust es bèieg`b fdr FCMndrtimib eksurmkjb fdr dwkbr.djjupeba prdpbrty, ms `dki ms mk ekaeveaum` gdrrdwbr rbnmeks tcb gbkbfejemry mka djjupebs tcb prdpbrty ms m prekjepm`rbseabkjb+ Qcb `bkabr nust gb smtesfeba tcmt tcb trust prdveabs rbmsdkmg`b

Djtdgbr 7??: 7.:




1=22+= WBV.2

nbmks td mssurb tcmt tcb `bkabr we`` gb kdtefeba df mky sugsbqubkt jcmkibdf djjupmkjy #fdr dwkbr.djjupmkt `dmks dk`y% dr trmksfbr df gbkbfejemèktbrbst+ Qcb trust nust mppbmr dk tcb sbjurety ekstrunbkt #e+b+, ndrtimib,abba df trust, sbjurety abba%+ Qcb ekaeveaum` gdrrdwbr nust mppbmr dk tcbsbjurety ekstrunbkt wcbk rbquerba td jrbmtb m vmèa èbk ukabr stmtb `mw<

dtcbrwesb, tcb ekaeveaum` gdrrdwbr es kdt rbquerba td mppbmr+ Qcb dwkbr.djjupmkt, ef mky, mka dtcbr gdrrdwbr#s%, ef mky, nust mppbmr dk tcb kdtbwetc tcb trust+ Qcb ekaeveaum` gdrrdwbr#s% es kdt rbquerba td mppbmr dk tcb prdpbrty abba dr tet`b+

Djtdgbr 7??: 7.1




1=22+= WBV.2

ZBJQEDK =8 JWBAEQ CEZQDWU

7.: MKM@UXEKI QCB GDWWDYBW―Z JWBAEQ+ _mst jrbaet pbrfdrnmkjb sbrvbsms tcb ndst usbfu` iueab ek abtbrnekeki m gdrrdwbr―s mttetuab tdwmra jrbaetdgèimtedks mka prbaejteki m gdrrdwbr―s futurb mjtedks+ M gdrrdwbr wcd cms nmab

pmynbkts dk prbvedus mka jurrbkt dgèimtedks ek m tenb`y nmkkbr rbprbsbktsrbaujba resl+ Jdkvbrsb`y, ef tcb jrbaet cestdry, abspetb mabqumtb ekjdnb td suppdrtdgèimtedks, rbf`bjts jdktekudus s`dw pmynbkts, huainbkts, mka abèkqubktmjjdukts, strdki jdnpbksmteki fmjtdrs we`` gb kbjbssmry td mpprdvb tcb `dmk+

Ycbk mkm`yzeki m gdrrdwbr)s jrbaet cestdry, bxmnekb tcb dvbrm`` pmttbrk df jrbaet gbcmvedr, rmtcbr tcmk esd`mtba djjurrbkjbs df uksmtesfmjtdry dr s`dw pmynbkts+ M pbreda df fekmkjem` aeffeju`ty ek tcb pmst adbs kdt kbjbssmre`y nmlb tcb resl ukmjjbptmg`b ef tcb gdrrdwbr cms nmektmekba m idda pmynbkt rbjdra fdr mjdkseabrmg`b tenb pbreda sekjb tcb aeffeju`ty+ Ycbk abèkqubkt mjjdukts mrbrbvbm`ba, tcb `bkabr nust adjunbkt tcber mkm`yses ms td wcbtcbr tcb `mtb pmynbkts

wbrb gmsba dk m aesrbimra fdr fekmkjem` dgèimtedks, mk ekmgeèty td nmkmib abgt, dr fmjtdrs gbydka tcb jdktrd` df tcb gdrrdwbr, ekjùaeki ab`myba nme` abèvbry dr aesputbs wetc jrbaetdrs+

Yce`b nekdr abrdimtdry ekfdrnmtedk djjurreki twd dr ndrb ybmrs ek tcb pmst adbskdt rbquerb bxp`mkmtedk, nmhdr ekaejmtedks df abrdimtdry jrbaet‚ekjùaeki huainbkts, jd``bjtedks, mka mky dtcbr rbjbkt jrbaet prdg`bns‚rbquerb suffejebktwrettbk bxp`mkmtedk frdn tcb gdrrdwbr+ Qcb gdrrdwbr)s bxp`mkmtedk nust nmlbsbksb mka gb jdksestbkt wetc dtcbr jrbaet ekfdrnmtedk ek tcb fe`b+

Kbetcbr tcb `mjl df jrbaet cestdry kdr tcb gdrrdwbr)s abjesedk kdt td usb jrbaet nmy gb usba ms m gmses fdr rbhbjteki tcb `dmk mppèjmtedk+ Yb m`sd rbjdikezb tcmt sdnb prdspbjtevb gdrrdwbrs nmy kdt cmvb mk bstmgèscba jrbaet cestdry+ Fdr tcdsb gdrrdwbrs, mka fdr tcdsb wcd ad kdt usb trmaetedkm` jrbaet, tcb `bkabr nustabvb`dp m jrbaet cestdry frdn uteèty pmynbkt rbjdras, rbktm` pmynbkts, mutdndge`beksurmkjb pmynbkts, dr dtcbr nbmks df aerbjt mjjbss frdn tcb jrbaet prdveabr+ Qcb`bkabr nust adjunbkt tcmt tcb prdveabrs df kdk.trmaetedkm` jrbaet ad, ek fmjt, bxestmka vbrefy tcb jrbaet ekfdrnmtedk+ Adjunbkts jdkferneki tcb bxestbkjb df m kdk.trmaetedkm` jrbaet prdveabr nmy ekjùab m pugèj rbjdra frdn tcb stmtb, jdukty, dr jety rbjdras, dr dtcbr nbmks prdveaeki m sene`mr `bvb` df dghbjtevb jdkfernmtedk+Qd vbrefy tcb jrbaet ekfdrnmtedk, `bkabrs nust usb m pugèscba maarbss dr tb`bpcdkb kungbr fdr tcmt jrbaetdr+

Ms mk m`tbrkmtevb, tcb `bkabr nmy b`bjt td usb m kdk.trmaetedkm` ndrtimib jrbaetrbpdrt abvb`dpba gy m jrbaet.rbpdrteki mibkjy, prdveaba tcmt tcb jrbaet rbpdrtekimibkjy cms vbrefeba tcb bxestbkjb df tcb jrbaet prdveabrs mka tcb `bkabr vbrefebstcmt tcb kdk.trmaetedkm` jrbaet wms bxtbkaba td tcb mppèjmkt+ Qcb `bkabr nustvbrefy tcb jrbaet useki m pugèscba maarbss dr tb`bpcdkb kungbr td nmlb tcmtvbrefejmtedk+

Djtdgbr 7??: 7.2




1=22+= WBV.2

Qcb gmsej cebrmrjcy df jrbaet bvmùmtedk es tcb nmkkbr df pmynbkts nmab dk prbvedus cduseki bxpbksbs, ekjùaeki uteètebs, fd``dwba gy tcb pmynbkt cestdry df ekstm``nbkt abgts, mka tcbk rbvd`veki mjjdukts+ Ibkbrm``y, mk ekaeveaum` wetc kd`mtb cduseki dr ekstm``nbkt abgt pmynbkts scduà gb jdkseabrba ms cmveki mkmjjbptmg`b jrbaet cestdry, uk`bss tcbrb es nmhdr abrdimtdry jrbaet dk ces dr cbr

rbvd`veki mjjdukts+

Ycbk rbvebweki tcb gdrrdwbr)s jrbaet mka jrbaet rbpdrt, tcb `bkabr nust pmy pmrteju`mr mttbktedk td tcb fd``dweki8

M+ _rbvedus Wbktm` dr Ndrtimib _mynbkt Cestdry+ Qcb pmynbkt cestdrydf tcb gdrrdwbr)s cduseki dgèimtedks cdàs seikefejmkt enpdrtmkjb ekbvmùmteki jrbaet+ Qcb `bkabr nust abtbrnekb tcb gdrrdwbr)s pmynbktcestdry df cduseki dgèimtedks tcrduic betcbr tcb jrbaet rbpdrt, vbrefejmtedkdf rbkt aerbjt`y frdn tcb `mka`dra #wetc kd eabktety.df.ektbrbst wetc tcb gdrrdwbr% dr vbrefejmtedk df ndrtimib aerbjt`y frdn tcb ndrtimib sbrvejbr,

dr tcrduic jmkjb`ba jcbjls jdvbreki tcb ndst rbjbkt =7.ndktc pbreda+

G+ Wbjbkt mka$dr Rkaesj`dsba Abgts+ Qcb `bkabr nust msjbrtmek tcb purpdsb df mky rbjbkt abgts, ms tcb ekabgtbakbss nmy cmvb gbbk ekjurrbatd dgtmek pmrt df tcb rbquerba jmsc ekvbstnbkt dk tcb prdpbrty gbeki purjcmsba+ Zene`mr`y, tcb gdrrdwbr nust prdveab m smtesfmjtdrybxp`mkmtedk fdr mky seikefejmkt abgt tcmt es scdwk dk tcb jrbaet rbpdrt gutkdt èstba dk tcb `dmk mppèjmtedk+ Qcb gdrrdwbr nust bxp`mek ek wretekim`` ekquerebs scdwk dk tcb jrbaet rbpdrt ek tcb `mst 5? amys+

J+ Jd``bjtedks mka Huainbkts+ Jdurt.drabrba huainbkts nust gb pmea dff gbfdrb tcb ndrtimib `dmk es bèieg`b fdr FCM eksurmkjb bkadrsbnbkt+ #Mkbxjbptedk nmy gb nmab ef tcb gdrrdwbr cms mirbba wetc tcb jrbaetdr tdnmlb rbiu`mr mka tenb`y pmynbkts dk tcb huainbkt mka adjunbktmtedk es prdveaba tcmt tcb pmynbkts cmvb gbbk nmab ek mjjdramkjb wetc tcbmirbbnbkt+% FCM adbs kdt rbquerb tcmt jd``bjtedk mjjdukts gb pmea dff ms mjdkaetedk df ndrtimib mpprdvm`+ Jd``bjtedks mka huainbkts ekaejmtb m gdrrdwbr―s rbimra fdr jrbaet dgèimtedks mka nust gb jdkseabrba ek tcbmkm`yses df jrbaetwdrtcekbss wetc tcb `bkabr adjunbkteki ets rbmsdks fdr mpprdveki m ndrtimib wcbrb tcb gdrrdwbr cms jd``bjtedk mjjdukts dr huainbkts+ Qcb gdrrdwbr nust bxp`mek ek wreteki m`` jd``bjtedks mka huainbkts+

A+ _rbvedus Ndrtimib Fdrbj`dsurb+ M gdrrdwbr wcdsb prbvedus prekjepm`rbseabkjb dr dtcbr rbm` prdpbrty wms fdrbj`dsba dr cms ievbk m abba.ek.èbudf fdrbj`dsurb wetcek tcb prbvedus tcrbb ybmrs es ibkbrm``y kdt bèieg`b fdr mkbw FCM.eksurba ndrtimib+ Cdwbvbr, ef tcb fdrbj`dsurb wms tcb rbsu`t df adjunbktba bxtbkumteki jerjunstmkjbs tcmt wbrb gbydka tcb jdktrd` df tcb gdrrdwbr mka tcb gdrrdwbr cms rb.bstmgèscba idda jrbaet sekjb tcbfdrbj`dsurb, tcb `bkabr nmy irmkt mk bxjbptedk td tcb tcrbb.ybmr

Djtdgbr 7??: 7.6




1=22+= WBV.2

rbquerbnbkt+ Bxtbkumteki jerjunstmkjbs ekjùab sbredus e``kbss dr abmtc df m wmib bmrkbr, gut ad kdt ekjùab tcb ekmgeèty td sb`` tcb cdusb gbjmusb df m hdg trmksfbr dr rb`djmtedk td mkdtcbr mrbm+

B+ Gmklruptjy+ M Jcmptbr 9 gmklruptjy #èqueamtedk% adbs kdt aesqumèfy m

gdrrdwbr frdn dgtmekeki mk FCM.eksurba ndrtimib ef mt `bmst twd ybmrscmvb b`mpsba sekjb tcb amtb df tcb aesjcmrib df tcb gmklruptjy+Maaetedkm``y, tcb gdrrdwbr nust cmvb rb.bstmgèscba idda jrbaet dr jcdsbkkdt td ekjur kbw jrbaet dgèimtedks+ Qcb gdrrdwbr m`sd nust cmvbabndkstrmtba m adjunbktba mgeèty td rbspdkseg`y nmkmib ces dr cbr fekmkjem` mffmers+ Mk b`mpsba pbreda df `bss tcmk twd ybmrs, gut kdt `bsstcmk =7 ndktcs, nmy gb mjjbptmg`b ef tcb gdrrdwbr jmk scdw tcmt tcb gmklruptjy wms jmusba gy bxtbkumteki jerjunstmkjbs gbydka ces dr cbr jdktrd` mka cms sekjb bxcegetba m adjunbktba mgeèty td nmkmib ces dr cbr fekmkjem` mffmers ek m rbspdkseg`b nmkkbr+ Maaetedkm``y, tcb `bkabr nustadjunbkt tcmt tcb gdrrdwbr―s jurrbkt setumtedk ekaejmtbs tcmt tcb bvbkts

tcmt `ba td tcb gmklruptjy mrb kdt èlb`y td rbjur+

M Jcmptbr =: gmklruptjy adbs kdt aesqumèfy m gdrrdwbr frdn dgtmekekimk FCM.eksurba ndrtimib prdveaba tcb `bkabr adjunbkts tcmt dkb ybmr df tcb pmydut pbreda ukabr tcb gmklruptjy cms b`mpsba mka tcb gdrrdwbr―s pmynbkt pbrfdrnmkjb cms gbbk smtesfmjtdry #e+b+, m`` rbquerba pmynbktsnmab dk tenb%+ Ek maaetedk, tcb gdrrdwbr nust rbjbevb pbrnessedk frdntcb jdurt td bktbr ektd tcb ndrtimib trmksmjtedk+

F+ Jdksunbr Jrbaet Jduksbèki _mynbkt _`mks+ _mrtejepmtedk ek mjdksunbr jrbaet jduksbèki pmynbkt prdirmn adbs kdt aesqumèfy m gdrrdwbr frdn dgtmekeki mk FCM.eksurba ndrtimib prdveaba tcb `bkabr adjunbkts tcmt dkb ybmr df tcb pmy.dut pbreda cms b`mpsba ukabr tcb p`mkmka tcb gdrrdwbr―s pmynbkt pbrfdrnmkjb cms gbbk smtesfmjtdry #e+b+, m``rbquerba pmynbkts nmab dk tenb%+ Ek maaetedk, tcb gdrrdwbr nust rbjbevbwrettbk pbrnessedk frdn tcb jduksbèki mibkjy td bktbr ektd tcb ndrtimibtrmksmjtedk+

7.1 JWBAEQ WB_DWQ WB]REWBNBKQZ+

M+ Qrmaetedkm` Jrbaet Wbpdrts+ Jrbaet rbpdrts sugnettba wetc bmjc `dmknust jdktmek m`` jrbaet mvme`mg`b ek tcb mjjbssba rbpdsetdrebs+ Qcby m`sdnust prdveab mk mjjdukt df m`` jrbaet, rbseabkjb cestdry, mka pugèj rbjdrasekfdrnmtedk mvme`mg`b ek tcb jrbaet rbpdsetdrebs df bmjc gdrrdwbr rbspdkseg`b fdr tcb ndrtimib abgt+ Qcb nekenun jrbaet rbpdrt rbquerba gyFCM es m 'tcrbb rbpdsetdry nbriba' jrbaet rbpdrt #QWNJW%+ MWbseabktem` Ndrtimib Jrbaet Wbpdrt #WNJW% frdn mk ekabpbkabktjdksunbr.rbpdrteki mibkjy m`sd nmy gb usba+ Dkb rbpdrt es rbquerba fdr bmjc gdrrdwbr, dr m hdekt rbpdrt nmy gb dgtmekba fdr m nmrreba jdup`b+

Djtdgbr 7??: 7.9




1=22+= WBV.2

Qcb fd``dweki mrb rbquerbnbkts fdr trmaetedkm` jrbaet rbpdrts8

=+ Qcb QWNJW sugnettba nust gb mk dreiekm` rbjbevba b`bjtrdkejm``ymka prektba dk tcb `bkabr)s prektbr dr abèvbrba gy tcb jrbaet.rbpdrteki mibkjy+ Qcb rbpdrt nust kdt cmvb wcetbduts, brmsurbs, dr

m`tbrmtedks+ Et nust ekaejmtb tcb kmnb, maarbss, mka tb`bpcdkbkungbr df tcb jdksunbr.rbpdrteki mibkjy< mka bmjc mjjdukt èstbanust scdw tcb prenmry rbpdsetdry frdn wcejc tcb pmrteju`mr ekfdrnmtedk wms pu``ba+ Qcb kmnb df tcb jdnpmky drabreki tcbrbpdrt nust gb scdwk+

7+ Qcb jrbaet rbpdrt nust ekjùab m`` jrbaet mka `bim` ekfdrnmtedk kdtjdkseabrba dgsd`btb ukabr tcb Fmer Jrbaet Wbpdrteki Mjt, ekjùaeki gmklruptjebs, huainbkts, `mw suets, fdrbj`dsurbs, mka tmx èbks tcmtcmvb djjurrba wetcek tcb `mst sbvbk ybmrs+ M`` ekquerebs nmabwetcek tcb `mst 5? amys nust m`sd gb ekjùaba dk tcb rbpdrt+ Jrbaet

rbpdrts tcmt fme` td scdw gmklruptjebs, huainbkts, `mwsuets,fdrbj`dsurbs mka tmx èbks nust gb supp`bnbktba wetc m jdrrbjtbarbpdrt+ @bkabrs nust rbtmek m`` jdpebs df m`` jrbaet rbpdrts mkaadjunbkt ek wreteki mk mkm`yses df tcb rbmsdks fdr mkyaesjrbpmkjebs gbtwbbk tcb jrbaet rbpdrts+ Ef m `bkabr rbjbevbs mkyekfdrnmtedk ekjdksestbkt wetc tcb ekfdrnmtedk dk tcb jrbaet rbpdrt,tcb `bkabr nust rbjdkje`b tcb ekjdksestbkjy+

:+ Qcb jrbaet rbpdrt nust eabktefy bmjc gdrrdwbr)s kmnb mka sdjem`sbjurety kungbr+ Fdr bmjc abgt èstba, tcb rbpdrt m`sd nust scdwtcb amtb tcb mjjdukt wms dpbkba, tcb ceic jrbaet mndukt, tcbrbquerba pmynbkt, tcb ukpmea gm`mkjb, mka tcb pmynbkt cestdry, msjdktmekba ek tcb jrbaet rbpdsetdrebs+ Qcb rbpdrt nust gb ek mk bmsy.td.rbma mka ukabrstmkamg`b fdrnmt, mka et scduà kdt rbquerb jdabtrmks`mtedks+

1+ Qcb `bkabr nust m`sd abvb`dp jrbaet ekfdrnmtedk sbpmrmtb`y fdr mkydpbk abgt tcmt es èstba dk tcb `dmk mppèjmtedk gut kdt rbfbrbkjbadk tcb jrbaet rbpdrt+ Mjjdukts èstba ms 'rmtb gy nme` dk`y' dr 'kbba wrettbk mutcdrezmtedk' rbquerb sbpmrmtb wrettbk vbrefejmtedk+

2+ Yce`b tcb QWNJW scduà prdvb suffejebkt fdr prdjbsseki ndst`dmk mppèjmtedks, tcb fd``dweki jerjunstmkjbs rbquerb mk WNJW8

m+ Qcb gdrrdwbr#s% aesputbs tcb dwkbrscep df mjjdukts dk tcbQWNJW< dr

g+ Qcb gdrrdwbr#s% j`mens tcmt jd``bjtedks, huainbkts, dr èbksèstba ms dpbk dk tcb QWNJW cmvb gbbk pmea mka jmkkdt prdveab sbpmrmtb adjunbktmtedk suppdrteki tces j`men< dr

Djtdgbr 7??: 7.3




1=22+= WBV.2

j+ Qcb gdrrdwbr j`mens tcmt jbrtmek abgts scdwk dk tcb QWNJW cmvb aeffbrbkt gm`mkjbs mka$dr pmynbkts mka jmkkdt prdveabjurrbkt stmtbnbkts #`bss tcmk :? amys dà% mttbsteki td tcesj`men< dr

a+ Qcb `bkabr)s ukabrwretbr abtbrnekbs tcmt et wduà gb pruabkt td

usb mk WNJW ek èbu df m QWNJW td ukabrwretb tcb `dmk prdpbr`y+

6+ WNJWs nust mjjbss mt `bmst twd kmnba rbpdsetdrebs mka nbbt m``tcb rbquerbnbkts fdr tcb QWNJW, pùs tcb fd``dweki8

m+ _rdveab m abtme`ba mjjdukt df tcb gdrrdwbr)s bnp`dynbktcestdry+

g+ Vbrefy bmjc gdrrdwbr)s jurrbkt bnp`dynbkt mka ekjdnb #ef dgtmekmg`b%+ Et m`sd nust ekjùab m stmtbnbkt mttbsteki tdjbrtefejmtedk df bnp`dynbkt mka amtb vbrefeba+ Ef tces

ekfdrnmtedk es kdt dgtmekba tcrduic mk ektbrvebw wetc tcbbnp`dybr, tcb jrbaet rbpdrteki mibkjy nust stmtb wcy tcesmjtedk wms kdt tmlbk+

j+ Bmjc mjjdukt wetc m gm`mkjb nust cmvb gbbk jcbjlba wetctcb jrbaetdr wetcek 5? amys df tcb jrbaet rbpdrt+

G+ Jrbaet Wbpdrt Wbquerbnbkts #Kdk.Qrmaetedkm`%+ M Kdk.Qrmaetedkm`Ndrtimib Jrbaet Wbpdrt #KQNJW% es abseikba td mssbss tcb jrbaet cestdrydf m gdrrdwbr wetcdut tcb typbs df trmab rbfbrbkjbs kdrnm``y mppbmreki dkm trmaetedkm` jrbaet rbpdrt+ Et jmk gb usba betcbr ms m sugstetutb fdr mQWNJW dr mk WNJW fdr m gdrrdwbr wetcdut m jrbaet cestdry wetctrmaetedkm` jrbaet irmktdrs dr ms m supp`bnbkt td m trmaetedkm` jrbaet rbpdrtcmveki mk eksuffejebkt kungbr df trmab etbns rbpdrtba+ M KQNJW nmykdt, cdwbvbr, gb usba td bkcmkjb tcb jrbaet cestdry df m gdrrdwbr wetc m pddr pmynbkt rbjdra dr td nmkufmjturb m jrbaet rbpdrt fdr m gdrrdwbr wetcdut m vbrefemg`b jrbaet cestdry+ Et m`sd nmy kdt gb usba td dffsbtabrdimtdry rbfbrbkjbs fduka ek tcb gdrrdwbr)s trmaetedkm` jrbaet, sujc msjd``bjtedks mka huainbkts+

Qcb fd``dweki jdkaetedks mpp`y wcbk useki kdk.trmaetedkm` jrbaetrbpdrteki8

=+ Ef tcb ekfdrnmtedk dgtmekba tcrduic tcb stmkamra jrbaet rbpdrt es kdtsuffejebkt fdr tcb `bkabr td nmlb m pruabkt ukabrwreteki abjesedk,tcb `bkabrs nmy usb m KQNJW abvb`dpba gy m jrbaet.rbpdrtekimibkjy tcmt adjunbkts m`` kdk.trmaetedkm` jrbaet rbfbrbkjbs+Dtcbrwesb, tcb `bkabr nust abvb`dp ets dwk kdk.trmaetedkm` jrbaetcestdry tcmt es jdksestbkt wetc tcb rbquerbnbkts fdr jrbaet rbpdrtekimibkjebs absjregba ek pmrmirmpc 7.1+

Djtdgbr 7??: 7.5




1=22+= WBV.2

7+ Qcb jrbaet.rbpdrteki mibkjy scduà jdkseabr dk`y tcb typbs df jrbaet tcmt rbquerb tcb ndrtimib mppèjmkt td nmlb pbredaej pmynbkts dk m rbiu`mr gmses+ Qcbsb typbs df jrbaet ekjùab rbktm`cduseki< uteètebs #ef kdt ekjùaba ek tcb rbktm` pmynbkt%< tb`bpcdkbsbrvejb< jmg`b tb`bvesedk sbrvejb< eksurmkjb pmynbkts #bxjùaeki

tcdsb pmea tcrduic pmyrd`` abaujtedks%, sujc ms nbaejm`,mutdndge`b, èfb, cdusbcdà, mka rbktbr)s eksurmkjb< pmynbkts tdjceà jmrb prdveabrs< sjcdd` tuetedk< pmynbkts td `djm` stdrbs< pmynbkts fdr tcb ukeksurba pdrtedk df mky nbaejm` ge``s< btj+

7.2 B@EIEGE@EQU FDW FBABWM@@U.WB@MQBA JWBAEQ+ M gdrrdwbr nust gb rbhbjtba ef mky df tcb fd``dweki jdkaetedks mpp`y8

M+ CRA @enetba Abkem` df _mrtejepmtedk #@A_% mka tcb R+Z+ Ibkbrm`

Zbrvejbs Manekestrmtedk―s ‐@est df _mrtebs Bxjùaba frdn Fbabrm`

_rdjurbnbkt mka Kdk._rdjurbnbkt _rdirmns„ #IZM @est% M pbrsdk

suspbkaba, abgmrrba, dr dtcbrwesb bxjùaba frdn pmrtejepmtedk ek tcbAbpmrtnbkt―s prdirmns es kdt bèieg`b td pmrtejepmtb ek FCM.eksurbandrtimib trmksmjtedks+ Qcb `bkabr nust bxmnekb CRA―s @A_ est mka tcbidvbrknbkt.weab Ibkbrm` Zbrvejbs Manekestrmtedk―s #IZM% ‐@est df _mrtebs Bxjùaba frdn Fbabrm` _rdjurbnbkt dr Kdkprdjurbnbkt_rdirmns„ mka adjunbkt tces rbvebw dk tcb CRA 575??.YZ$575??._RW+Ef tcb kmnb df tcb gdrrdwbr, sb``br, èsteki dr sb`èki rbm` bstmtb mibkts, dr `dmk dffejbr mppbmrs dk betcbr èst, tcb mppèjmtedk es kdt bèieg`b fdr ndrtimib eksurmkjb+ M `bkabr nmy jcbjl CRA―s @A_ est gy ideki tdwww+cua+idv mka tcb Fbabrm` idvbrknbkt―s èst df bxjùaba pmrtebs gyideki td cttp8$$bp`s+mrkbt+idv+ #Mk bxjbptedk scm`` gb nmab fdr m sb``br dktcb IZM èst wcbk tcb prdpbrty gbeki sdà es tcb sb``br―s prekjepm`rbseabkjb+%

G+ Abèkqubkt Fbabrm` Abgts+ Ef tcb gdrrdwbr, ms rbvbm`ba gy pugèjrbjdras, jrbaet ekfdrnmtedk, dr CRA―s Jrbaet M`brt Ektbrmjtevb VdejbWbspdksb Zystbn #JMEVWZ%, es prbsbkt`y abèkqubkt dk mky Fbabrm` abgt#b+i+, VM.iumrmktbba ndrtimib, Qet`b E `dmk, Fbabrm` stuabkt `dmk, Znm``Gusekbss Manekestrmtedk `dmk, abèkqubkt Fbabrm` tmxbs% dr cms m èbk,ekjùaeki tmxbs, p`mjba mimekst ces dr cbr prdpbrty fdr m abgt dwba td tcbR+Z+, tcb gdrrdwbr es kdt bèieg`b ukte` tcb abèkqubkt mjjdukt es grduictjurrbkt, pmea, dtcbrwesb smtesfeba, dr m smtesfmjtdry rbpmynbkt p`mk es nmab gbtwbbk tcb gdrrdwbr mka tcb Fbabrm` mibkjy dwba mka es vbrefeba ekwreteki+ Qmx èbks nmy rbnmek ukpmea prdveaba tcb ebk cdàbr sugdraekmtbs tcb tmx ebk td tcb FCM.eksurba ndrtimib+ Ef mky rbiu`mr pmynbkts mrb td gb nmab, tcby nust gb ekjùaba ek tcb qumèfyeki rmteds+

Zekjb tcb EWZ rdutekb`y tmlbs m sbjdka èbk pdsetedk wetcdut tcb kbjbssetydf ekabpbkabkt adjunbktmtedk, bèiegeèty fdr FCM ndrtimib eksurmkjbwe`` kdt gb hbdpmraezba gy dutstmkaeki EWZ tmx èbks rbnmekeki dk tcb

Djtdgbr 7??: 7.=?




1=22+= WBV.2

prdpbrty uk`bss tcb `bkabr cms ekfdrnmtedk tcmt tcb EWZ cms abnmkaba mferst.èbk pdsetedk+

M`tcduic bèiegeèty fdr mk FCM.eksurba ndrtimib nmy gb bstmgèscba gy pbrfdrneki tcb mjtedks absjregba mgdvb, tcb dvbrm`` mkm`yses df tcb

jrbaetwdrtcekbss nust ekjùab jdkseabrmtedk df m gdrrdwbr)s prbvedus fmeùrb td nmlb pmynbkts td tcb Fbabrm` mibkjy ek tcb mirbba.td nmkkbr mka nust adjunbkt ets mkm`yses df cdw tcb prbvedus fmeùrb adbs kdt

rbprbsbkt m resl df ndrtimib abfmu`t+

J+ JMEVWZ+ CRA―s JMEVWZ es m Fbabrm` idvbrknbkt.weab rbpdsetdry df ekfdrnmtedk dk tcdsb ekaeveaum`s wetc abèkqubkt dr abfmu`tba Fbabrm` abgtmka dk tcdsb fdr wcdn m pmynbkt df mk eksurmkjb j`men cms djjurrba+@bkabrs nust sjrbbk m`` gdrrdwbrs, ekjùaeki kdkprdfet mibkjebs mjteki msm gdrrdwbr, useki JMEVWZ #bxjbpt dk strbmnèkb rbfekmkjbs%+ Ef JMEVWZekaejmtbs tcb gdrrdwbr es prbsbkt`y abèkqubkt dr cms cma m j`men pmea

wetcek tcb prbvedus tcrbb ybmrs dk m `dmk nmab dr eksurba gy CRA dk cesdr cbr gbcm`f, tcb gdrrdwbr es kdt bèieg`b bxjbpt ms absjregba gb`dw+@bkabrs mjjbss JMEVWZ betcbr tcrduic tcb FCM Jdkkbjtedk dr fukjtedkm`bquevm`bkt dr gy jm`èki :?=.:11.1??? dk m tdujc.tdkb tb`bpcdkb+ @bkabrsnust wretb tcb JMEVWZ mutcdrezmtedk jdab fdr bmjc gdrrdwbr dk tcbCRA.575??.YZ$575??._RW+ Bxjbptedks td tces ru`b nmy gb irmktbaukabr tcb fd``dweki setumtedks8

=+ Mssunptedks+ Ef tcb gdrrdwbr sdà tcb prdpbrty, wetc dr wetcdut mrb`bmsb df èmgeèty, td mk ekaeveaum` wcd sugsbqubkt`y abfmu`tba,tcb gdrrdwbr es bèieg`b, prdveaba cb dr scb jmk prdvb tcb `dmk wmskdt ek abfmu`t mt tcb tenb df mssunptedk+

7+ Aevdrjb+ M gdrrdwbr nmy gb bèieg`b ef tcb aevdrjb abjrbb dr `bim`sbpmrmtedk mirbbnbkt mwmraba tcb prdpbrty mka rbspdksegeèty fdr pmynbkt td tcb fdrnbr spdusb+ Cdwbvbr, ef m j`men wms pmea dk mndrtimib ek abfmu`t predr td tcb aevdrjb, tcb gdrrdwbr es kdtbèieg`b+

:+ Gmklruptjy+ Ycbk tcb prdpbrty wms ekjùaba ek m gmklruptjytcmt wms jmusba gy jerjunstmkjbs gbydka tcb gdrrdwbr)s jdktrd`#sujc ms tcb abmtc df tcb prekjepm` wmib bmrkbr dr sbredus `dki.tbrnukeksurba e``kbss%, tcb gdrrdwbr nmy gb bèieg`b ef tcb gdrrdwbr nbbts tcb rbquerbnbkts ek _mrmirmpc 7.: B+

Yce`b FCM nmy ab`btb brrdkbdus ekfdrnmtedk rbimraeki m gdrrdwbr fm`sb`y ekaejmtba ms cmveki abfmu`tba dk m FCM ndrtimib, sujc msekjdrrbjt sdjem` sbjurety kungbr rbpdrteki, et we`` kdt rbndvb jdrrbjtJMEVWZ ekfdrnmtedk bvbk ef tcb gdrrdwbr es huaiba bèieg`b ukabr tcbjdkaetedks absjregba mgdvb+

Djtdgbr 7??: 7.==




1=22+= WBV.2

@bkabrs nmy kdt rb`y updk m j`bmr JMEVWZ mpprdvm` wcbk ek pdssbssedkdf ekabpbkabkt bveabkjb df abèkqubkt fbabrm` dgèimtedks mka nustadjunbkt tcb rbsdùtedk df mky jdkfèjteki ekfdrnmtedk+ Ef tcb `bkabr cmsrbmsdk td gbèbvb tcb JMEVWZ nbssmib es brrdkbdus dr kbbas td bstmgèsc

tcb amtb df j`men pmynbkt, tcb `bkabr nust jdktmjt tcb mpprdpremtb CDJfdr ekstrujtedks dr adjunbktmtedk td suppdrt tcb gdrrdwbr)s bèiegeèty+Qcb mpprdpremtb CDJ jmk prdveab ekfdrnmtedk wcbk tcb tcrbb.ybmr wmeteki pbreda we`` b`mpsb dr ef tcb sdjem` sbjurety kungbr ek JMEVWZ esbrrdkbdus+ Qcb CDJ we`` m`sd prdveab ekstrujtedks td `bkabrs rbimraeki prdjbsseki rbquerbnbkts fdr dtcbr CRA.rb`mtba abfmu`ts mka j`mens #b+i+,Qet`b E `dmks%+

Yb jmkkdt m`tbr dr ab`btb JMEVWZ ekfdrnmtedk rbpdrtba frdn dtcbr Fbabrm` mibkjebs, sujc ms tcb Abpmrtnbkt df Baujmtedk, Vbtbrmks Mffmers,btj+ Qcb gdrrdwbr mka$dr tcb `bkabr nust jdktmjt tcdsb mibkjebs td jdrrbjt

dr rbndvb brrdkbdus dr dutamtba ekfdrnmtedk+ Yb ad kdt rbquerb m 'j`bmr'JMEVWZ mutcdrezmtedk kungbr ms m jdkaetedk fdr ndrtimib bkadrsbnbkt, gut tcb `bkabr nust adjunbkt mka hustefy ets mpprdvm` gmsba dk tcbbxjbptedks absjregba mgdvb+

Djtdgbr 7??: 7.=7




1=22+= WBV.2

ZBJQEDK 78 BFFBJQEVB EKJDNB

Qcb mktejepmtba mndukt df ekjdnb, mka tcb èlbècdda df ets jdktekumkjb, nust gbbstmgèscba td abtbrnekb m gdrrdwbr)s jmpmjety td rbpmy ndrtimib abgt+ Ekjdnb nmy kdt gb usba ek jm`ju`mteki tcb gdrrdwbr)s ekjdnb rmteds ef et jdnbs frdn mky sdurjb tcmt

jmkkdt gb vbrefeba, es kdt stmg`b, dr we`` kdt jdktekub+ Qces sbjtedk absjregbs mjjbptmg`btypbs df ekjdnb, prdjbaurbs fdr jm`ju`mteki bffbjtevb ekjdnb, mka rbquerbnbkts fdr bstmgèsceki ekjdnb stmgeèty+

7.6 ZQMGE@EQU DF EKJDNB+ Yb ad kdt enpdsb m nekenun `bkitc df tenb m gdrrdwbr nust cmvb cbà m pdsetedk df bnp`dynbkt td gb bèieg`b+ Cdwbvbr, tcb`bkabr nust vbrefy tcb gdrrdwbr)s bnp`dynbkt fdr tcb ndst rbjbkt twd fu`` ybmrs+Ef m gdrrdwbr ekaejmtbs cb dr scb wms ek sjcdd` dr ek tcb neètmry aureki mky df tcestenb, tcb gdrrdwbr nust prdveab bveabkjb suppdrteki tces j`men, sujc ms jd``bibtrmksjrepts dr aesjcmrib pmpbrs+ Qcb gdrrdwbr m`sd nust bxp`mek mky imps ekbnp`dynbkt spmkkeki dkb ndktc dr ndrb+ M``dwmkjbs fdr sbmsdkm` bnp`dynbkt,

sujc ms es typejm` ek tcb gueàeki trmabs, btj+, nmy gb nmab ef adjunbktba gy tcb`bkabr+

Qd mkm`yzb mka adjunbkt tcb prdgmgeèty df jdktekuba bnp`dynbkt, `bkabrs nustbxmnekb tcb gdrrdwbr―s pmst bnp`dynbkt rbjdra, qumèfejmtedks fdr tcb pdsetedk, prbvedus trmekeki mka baujmtedk, mka tcb bnp`dybr)s jdkfernmtedk df jdktekubabnp`dynbkt+ M gdrrdwbr wcd jcmkibs hdgs frbqubkt`y wetcek tcb smnb èkb df wdrl, gut jdktekubs td mavmkjb ek ekjdnb dr gbkbfets, scduà gb jdkseabrbafmvdrmg`y+ Ek tces mkm`yses, ekjdnb stmgeèty tmlbs prbjbabkjb dvbr hdg stmgeèty+

Ek sdnb jmsbs, m gdrrdwbr nmy cmvb rbjbkt`y rbturkba td tcb wdrl fdrjb mftbr mkbxtbkaba mgsbkjb+ Ek tcbsb jerjunstmkjbs, tcb gdrrdwbr)s ekjdnb nmy gbjdkseabrba bffbjtevb mka stmg`b prdveaba tcb fd``dweki jdkaetedks mpp`y8

M+ Qcb gdrrdwbr cms gbbk bnp`dyba ek tcb jurrbkt hdg fdr sex ndktcs dr ndrb, mka

G+ Qcb gdrrdwbr jmk adjunbkt m twd.ybmr wdrl cestdry predr td tcb mgsbkjbfrdn tcb wdrl fdrjb+ Mjjbptmg`b adjunbktmtedk ekjùabs trmaetedkm`bnp`dynbkt vbrefejmtedks, jdpebs df Y.7)s dr pmystugs+

Mk bxmnp`b df mk mjjbptmg`b bnp`dynbkt setumtedk ekjùabs m pbrsdk tcmttddl sbvbrm` ybmrs dff df wdrl td rmesb jceàrbk mka tcbk rbturkba td tcbwdrlfdrjb+ Zetumtedks kdt nbbteki tcb jretbrem estba mgdvb nmy gbjdkseabrba ms jdnpbksmteki fmjtdrs dk`y+

7.9 ZM@MWEBZ, YMIBZ, MKA DQCBW FDWNZ DF BFFBJQEVB EKJDNB+

Qcb ekjdnb df bmjc gdrrdwbr td gb dgèimtba fdr tcb ndrtimib abgt nust gbmkm`yzba td abtbrnekb wcbtcbr et jmk rbmsdkmg`y gb bxpbjtba td jdktekub tcrduicmt `bmst tcb ferst tcrbb ybmrs df tcb ndrtimib dmk+ Ef tcb gdrrdwbr ektbkas td rbterb

Djtdgbr 7??: 7.=:




1=22+= WBV.2

aureki tces pbreda, tcb bffbjtevb ekjdnb nust gb tcb mndukt df adjunbktbarbterbnbkt gbkbfets, sdjem` sbjurety pmynbkts, dr dtcbr pmynbkts bxpbjtba td gbrbjbevba ek rbterbnbkt+ Kd ekquery nmy gb nmab rbimraeki pdsseg`b futurbnmtbrkety `bmvb+

Ek ndst jmsbs, tcb gdrrdwbr―s ekjdnb we`` gb enetba td sm`mrebs dr wmibs+ Ekjdnbfrdn dtcbr sdurjbs jmk gb ekjùaba ms bffbjtevb ekjdnb wetc prdpbr vbrefejmtedk gy tcb `bkabr+ _rdjbaurbs fdr mkm`yzeki dtcbr mjjbptmg`b ekjdnb sdurjbs gbseabssm`mrebs mka wmibs mrb absjregba gb`dw8

M+ Dvbrtenb mka Gdkus Ekjdnb+ Gdtc dvbrtenb mka gdkus ekjdnb nmy gbusba td qumèfy ef tcb gdrrdwbr cms rbjbevba sujc ekjdnb fdr tcb pmst twdybmrs mka et es èlb`y td jdktekub+ Qcb `bkabr nust abvb`dp mk mvbrmib df gdkus dr dvbrtenb ekjdnb fdr tcb pmst twd ybmrs, mka tcb bnp`dynbktvbrefejmtedk nust kdt stmtb tcmt sujc ekjdnb es ukèlb`y td jdktekub+_bredas df `bss tcmk twd ybmrs nmy gb mjjbptmg`b prdveaba tcb `bkabr

hustefebs mka adjunbkts ek wreteki tcb rbmsdk fdr useki tcb ekjdnb fdr qumèfyeki purpdsbs+

Mk bmrkekis trbka m`sd nust gb bstmgèscba mka adjunbktba fdr dvbrtenbmka gdkus ekjdnb+ Ef betcbr typb scdws m jdktekum` abjèkb, tcb `bkabr nust prdveab m sduka rmtedkmèzmtedk ek wreteki fdr ekjùaeki tcb ekjdnbfdr gdrrdwbr qumèfyeki+ Ef gdkus ekjdnb vmrebs seikefejmkt`y frdn ybmr tdybmr, m pbreda df ndrb tcmk twd ybmrs nust gb usba ek jm`ju`mteki tcbmvbrmib ekjdnb+

G+ _mrt.Qenb Ekjdnb+ _mrt.tenb$sbjdka hdg ekjdnb, ekjùaeki bnp`dynbkt eksbmsdkm` wdrl, nmy gb usba ek qumèfyeki ef tcb `bkabr adjunbkts tcmt tcb gdrrdwbr cms wdrlba tcb pmrt.tenb hdg ukektbrruptba fdr tcb pmst twd ybmrsmka we`` jdktekub td ad sd+ Zbmsdkm` bnp`dynbkt #b+i+, unpereki gmsbgm`ìmnbs ek sunnbr, wdrleki mt m abpmrtnbkt stdrb aureki tcb cdèamyscdppeki sbmsdk% es jdkseabrba ukektbrruptba mka nmy gb usba ekqumèfyeki ef tcb `bkabr adjunbkts tcmt tcb gdrrdwbr cms wdrlba tcb smnbtypb df hdg fdr tcb pmst twd ybmrs mka bxpbjts td gb rbcerba aureki tcb kbxtsbmsdk+ Ekjdnb frdn m pmrt.tenb pdsetedk tcmt cms gbbk rbjbevba fdr bsstcmk twd ybmrs nmy gb ekjùaba ms bffbjtevb ekjdnb, prdveaba tcb `bkabr hustefebs mka adjunbkts tcmt tcb ekjdnb)s jdktekumkjb es èlb`y+ Ekjdnbfrdn pmrt.tenb pdsetedks kdt nbbteki tcbsb rbquerbnbkts nmy gbjdkseabrba ms m jdnpbksmteki fmjtdr dk`y+

Fdr qumèfejmtedk purpdsbs, pmrt.tenb ekjdnb rbfbrs td hdgs tmlbk td

supp`bnbkt tcb gdrrdwbr)s ekjdnb frdn rbiu`mr bnp`dynbkt #e+b+, msbjdka hdg ‚ kdt nbmkeki prenmry hdgs df `bss tcmk 1? cdurs pbr wbbl+% Ef m gdrrdwbr)s rbiu`mr bnp`dynbkt ekvd`vbs `bss tcmk m typejm` 1?.cdur wdrlwbbl, tcb stmgeèty df tcmt ekjdnb scduà gb bvmùmtba ms mky dtcbr rbiu`mr, dk.ideki prenmry bnp`dynbkt+ Fdr bxmnp`b, m rbiestbrba kursb

Djtdgbr 7??: 7.=1




1=22+= WBV.2

nmy cmvb wdrlba 71 cdurs pbr wbbl fdr tcb `mst ybmr+ M`tcduic tces hdgrbquerbs `bss tcmk 1? cdurs df wdrl pbr wbbl, et es tcb gdrrdwbr)s prenmrybnp`dynbkt mka es td gb jdkseabrba bffbjtevb ekjdnb+

Yb rbjdikezb tcmt nmky `dw. mka ndabrmtb.ekjdnb fmneèbs rb`y dk pmrt.

tenb mka sbmsdkm` ekjdnb fdr amy.td.amy kbbas+ @bkabrs nust kdt rbstrejttcb jdkseabrmtedk df sujc ekjdnb sdurjbs ek qumèfyeki tcbsb gdrrdwbrs+

J+ Neètmry Ekjdnb+ Ek maaetedk td gmsb pmy, neètmry pbrsdkkb` nmy gbbktet`ba td maaetedkm` fdrns df pmy+ Ekjdnb frdn vmremg`b cdusekim``dwmkjbs, j`dtceki m``dwmkjbs, fèict dr cmzmra pmy, rmtedks, mka prdfejebkjy pmy es mjjbptmg`b, prdveaba ets prdgmgeèty df jdktekumkjb esvbrefeba ek wreteki+ Mk maaetedkm` jdkseabrmtedk nmy gb tcb tmx.bxbnptkmturb df sdnb df tcbsb pmynbkts #sbb pmrmirmpc ] fdr maaetedkmèkfdrnmtedk+%

A+ Jdnnessedk Ekjdnb+ Jdnnessedk ekjdnb nust gb mvbrmiba dvbr tcb prbvedus twd ybmrs+ Qcb gdrrdwbr nust prdveab jdpebs df seikba tmxrbturks fdr tcb `mst twd ybmrs, m`dki wetc tcb ndst rbjbkt pmy stug+#Rkrbengursba gusekbss bxpbksbs nust gb sugtrmjtba frdn irdss ekjdnb+%Ekaeveaum`s wcdsb jdnnessedk ekjdnb scdws m abjrbmsb frdn dkb ybmr tdtcb kbxt rbquerb seikefejmkt jdnpbksmteki fmjtdrs td m``dw fdr `dmkmpprdvm`+ Gdrrdwbrs wetc jdnnessedk ekjdnb rbjbevba fdr ndrb tcmk dkb gut `bss tcmk twd ybmrs nmy gb jdkseabrba fmvdrmg`y prdveaba tcbukabrwretbr es mg`b td nmlb m sduka rmtedkmèzmtedk fdr mjjbptmkjb mka jmkadjunbkt tcb èlbècdda df jdktekumkjb+

Jdnnessedks bmrkba fdr `bss tcmk dkb ybmr mrb kdt jdkseabrba bffbjtevbekjdnb+ Bxjbptedks nmy gb nmab fdr setumtedks ek wcejc tcb gdrrdwbr)sjdnpbksmtedk wms jcmkiba frdn m sm`mry td jdnnessedk wetcek m sene`mr pdsetedk wetc tcb smnb bnp`dybr+ M gdrrdwbr m`sd nmy qumèfy wcbk tcb pdrtedk df bmrkekis kdt mttregutba td jdnnessedks wduà gb suffejebkt tdqumèfy tcb gdrrdwbr fdr tcb ndrtimib+

B+ Wbterbnbkt mka Zdjem` Zbjurety Ekjdnb+ Wbterbnbkt mka sdjem` sbjuretyekjdnb rbquerb vbrefejmtedk frdn tcb sdurjb #fdrnbr bnp`dybr, Zdjem`Zbjurety Manekestrmtedk% dr fbabrm` tmx rbturks+ Ef mky gbkbfets bxperbwetcek tcb ferst fu`` tcrbb ybmrs, tcb ekjdnb sdurjb nmy gb jdkseabrba dk`yms m jdnpbksmteki fmjtdr+

F+ M endky, Jceà Zuppdrt, dr Nmektbkmkjb Ekjdnb+ Ekjdnb ek tcesjmtbidry nmy gb jdkseabrba ms bffbjtevb ef sujc pmynbkts mrb èlb`y td gbjdksestbkt`y rbjbevba fdr tcb ferst tcrbb ybmrs df tcb ndrtimib+ Qcb gdrrdwbr nust prdveab m jdpy df tcb fekm` aevdrjb abjrbb, `bim` sbpmrmtedkmirbbnbkt, dr vdùktmry pmynbkt mirbbnbkt, ms wb`` ms bveabkjb tcmt pmynbkts cmvb gbbk rbjbevba aureki tcb `mst twb`vb ndktcs+ Mjjbptmg`b

Djtdgbr 7??: 7.=2




1=22+= WBV.2

bveabkjb df pmynbkt rbiu`mrety ekjùabs jmkjb``ba jcbjls, abpdset sèps,tmx rbturks, mka jdurt rbjdras+ _bredas `bss tcmk twb`vb ndktcs nmy gbmjjbptmg`b, prdveaba tcb pmybr―s mgeèty mka we`èkikbss td nmlb tenb`y pmynbkts es mabqumtb`y adjunbktba gy tcb `bkabr+

I+ Kdtbs Wbjbevmg`b+ M jdpy df tcb kdtb nust gb prbsbktba td bstmgèsc tcbmndukt mka `bkitc df pmynbkt+ Qcb gdrrdwbr m`sd nust prdveab bveabkjbtcmt tcbsb pmynbkts cmvb gbbk rbjbevba jdksestbkt`y fdr tcb `mst twb`vbndktcs, wcejc nmy ekjùab abpdset sèps, jmkjb``ba jcbjls, dr tmx rbturks+Ef tcb gdrrdwbr es kdt tcb dreiekm` pmybb dk tcb kdtb, tcb `bkabr nust m`sdbstmgèsc tcmt tcb gdrrdwbr es kdw m cdàbr ek aub jdursb mka mg`b tdbkfdrjb tcb kdtb+

C+ Ektbrbst mka Aeveabkas+ Ektbrbst mka aeveabka ekjdnb nmy gb usba, prdveaba tcmt adjunbktmtedk #tmx rbturks dr mjjdukt stmtbnbkts% suppdrts mtwd.ybmr cestdry df rbjbept+ Qces ekjdnb nust gb mvbrmiba dvbr tcb twd

ybmrs+ Mky fukas abrevba frdn tcbsb sdurjbs mka rbquerba fdr tcb jmscekvbstnbkt nust gb sugtrmjtba gbfdrb tcb prdhbjtba ektbrbst dr aeveabkaekjdnb es jm`ju`mtba+

E+ Ndrtimib Jrbaet Jbrtefejmtbs+ Ef m idvbrknbkt bktety sugseaezbs tcbndrtimib pmynbkts, betcbr tcrduic aerbjt pmynbkts dr tcrduic tmx rbgmtbs,tcbsb pmynbkts jmk gb jdkseabrba ms mjjbptmg`b ekjdnb ef vbrefeba ekwreteki+ Betcbr typb df sugseay nmy gb maaba td irdss ekjdnb dr nmy gbusba td aerbjt`y dffsbt tcb ndrtimib pmynbkt gbfdrb jm`ju`mteki tcbqumèfyeki rmteds+

H+ Bnp`dybr Aeffbrbktem` _mynbkts+ Ef tcb bnp`dybr sugseaezbs tcbndrtimib pmynbkts tcrduic aerbjt pmynbkts, tcb mndukt df tcb pmynbktses jdkseabrba irdss ekjdnb< et nmy kdt gb usba td dffsbt tcb ndrtimib pmynbkt aerbjt`y, bvbk ef tcb bnp`dybr pmys tcb sbrvejeki `bkabr aerbjt`y+

L+ VM Gbkbfets+ Aerbjt jdnpbksmtedk, sujc ms fdr m sbrvejb.rb`mtbaaesmgeèty, es mjjbptmg`b, sughbjt td adjunbktmtedk frdn tcb VM+Baujmtedk gbkbfets, usba td dffsbt baujmtedk bxpbksbs, mrb kdt mjjbptmg`b+

@+ Idvbrknbkt Mssestmkjb _rdirmns+ Ekjdnb rbjbevba frdn idvbrknbktmssestmkjb prdirmns es mjjbptmg`b, sughbjt td adjunbktmtedk frdn tcb pmyeki mibkjy, prdveaba tcb ekjdnb es bxpbjtba td jdktekub mt `bmst tcrbbybmrs+ Ef tcb ekjdnb es kdt bxpbjtba td gb rbjbevba fdr mt `bmst tcrbb ybmrs,sujc ekjdnb nmy gb jdkseabrba ms m jdnpbksmteki fmjtdr+#Rkbnp`dynbkt ekjdnb nust gb adjunbktba fdr twd ybmrs+ Wbmsdkmg`bmssurmkjb df ets jdktekumkjb es m`sd rbquerba+ Qces rbquerbnbkt nmy mpp`ytd ekaeveaum`s bnp`dyba dk m sbmsdkm` gmses, sujc ms fmrn wdrlbrs, rbsdrtbnp`dybbs, btj+%

Djtdgbr 7??: 7.=6




1=22+= WBV.2

N+ Wbktm` Ekjdnb+ Wbkt rbjbevba fdr prdpbrtebs dwkba gy tcb gdrrdwbr esmjjbptmg`b ef tcb `bkabr jmk adjunbkt tcmt tcb rbktm` ekjdnb es stmg`b+Bxmnp`bs df stmgeèty nmy ekjùab m jurrbkt `bmsb, mk mirbbnbkt td `bmsb,dr m rbktm` cestdry dvbr tcb prbvedus 71 ndktcs tcmt es frbb df ukbxp`mekbaimps irbmtbr tcmk tcrbb ndktcs+ #Ztuabkt, sbmsdkm`, dr ne etmry rbktbrs, dr

prdpbrty rbcmgeètmtedk wduà prdveab sujc mk bxp`mkmtedk%+ M sbpmrmtbsjcbau`b df rbm` bstmtb es kdt rbquerba fdr rbktm` prdpbrtebs, prdveaba m`` prdpbrtebs mrb scdwk dk tcb RW@M+

Ef tcb gdrrdwbr rbseabs ek dkb dr ndrb ukets df m nu`tep`b.uket prdpbrty mkajcmribs rbkt td tbkmkts df dtcbr ukets, tcmt rbkt nmy gb usba fdr qumèfyeki purpdsbs+ Cdwbvbr, prdhbjtba rbkt df maaetedkm` ukets dk`y mka kdt tcbdwkbr.djjupeba uket#s% nmy gb jdkseabrba irdss ekjdnb dk`y mftbr abaujteki tcb CDJ―s vmjmkjy mka nmektbkmkjb fmjtdr+ Qcby nmy kdt gbusba ms m aerbjt dffsbt td tcb ndrtimib pmynbkts+

Ekjdnb frdn rddnnmtbs ek m seki`b.fmne`y prdpbrty td gb djjupeba ms tcb gdrrdwbr)s prenmry rbseabkjb es kdt mjjbptmg`b+ Wbktm` ekjdnb frdn gdmrabrs es mjjbptmg`b ef tcb gdmrabrs mrb rb`mtba gy g`dda, nmrremib, dr `mw+ Qcb rbktm` ekjdnb nmy gb jdkseabrba bffbjtevb ekjdnb ef scdwk dktcb gdrrdwbr)s tmx rbturks+ Dtcbrwesb, tcb ekjdnb dk`y nmy gb jdkseabrbam jdnpbksmteki fmjtdr mka nust gb adjunbktba mabqumtb`y gy tcb `bkabr+

Qcb fd``dweki es rbquerba td vbrefy m`` rbktm` ekjdnb8

=+ Zjcbau`b B df EWZ Fdrn =?1?+ Abprbjemtedk nmy gb maaba gmjl td tcb kbt ekjdnb dr `dss scdwk dk Zjcbau`b B+ _dsetevb rbktmèkjdnb es jdkseabrba irdss ekjdnb fdr qumèfyeki purpdsbs<kbimtevb rbktm` ekjdnb nust gb trbmtba ms m rbjurreki emgeèty+ Qcb`bkabr nust gb jbrtmek tcmt tcb gdrrdwbr ste`` dwks bmjc prdpbrtyèstba, gy jdnpmreki tcb Zjcbau`b B wetc tcb rbm` bstmtb dwkbasbjtedk df tcb rbseabktem` dmk mppèjmtedk+ #Ef tcb gdrrdwbr ek tcbsmnb ibkbrm` mrbm dwks sex dr ndrb ukets, m nmp aesj`dseki tcb`djmtedks nust gb sugnettba bveabkjeki jdnpèmkjb wetc FCM)ssbvbk.uket ènetmtedk+ Zbb pmrmirmpc 1.3 fdr maaetedkmèkfdrnmtedk+%

7+ Jurrbkt @bmsbs+ Ef m prdpbrty wms mjquerba sekjb tcb `mst ekjdnbtmx feèki mka es kdt scdwk dk Zjcbau`b B, m jurrbkt seikba `bmsb dr dtcbr rbktm` mirbbnbkt nust gb prdveaba+ Qcb irdss rbktm` mnduktnust gb rbaujba fdr vmjmkjebs mka nmektbkmkjb gy 72 pbrjbkt #dr tcb pbrjbktmib abvb`dpba gy tcb huresaejtedkm` CDJ%, gbfdrbsugtrmjteki _EQE mka mky cdnbdwkbrs) mssdjemtedk aubs, btj+, mkampp`yeki tcb rbnmekabr td ekjdnb #dr rbjurreki abgts, ef kbimtevb%+

Djtdgbr 7??: 7.=9




1=22+= WBV.2

K+ Bèieg`b Ekvbstnbkt _rdpbrtebs+ Ef tcb prdpbrty td gb eksurba es mkbèieg`b ekvbstnbkt prdpbrty dr sdà tcrduic FCM)s WBD prdirmn, tcbfd``dweki jm`ju`mtedks df qumèfyeki rmteds mpp`y8

=+ Zugtrmjt tcb ndktc`y pmynbkt #_EQE% frdn tcb ndktc`y kbt rbktm`

ekjdnb df tcb sughbjt prdpbrty #irdss rbkts, nekus tcb 72 pbrjbktrbaujtedk dr CDJ―s pbrjbktmib rbaujtedk fdr vmjmkjebs mkarbpmers%+ Ef tces jm`ju`mtedk yebàs m pdsetevb kungbr, maa tcbkungbr td tcb gdrrdwbr)s ndktc`y irdss ekjdnb+ Ef tcb jm`ju`mtedkrbsu`ts ek m kbimtevb kungbr, jdkseabr et m rbjurreki ndktc`ydgèimtedk< tcbk

7+ Jm`ju`mtb tcb ndrtimib pmynbkt.td.ekjdnb rmted #tdp dr frdkt.bkarmted% gy aeveaeki tcb gdrrdwbr)s jurrbkt cduseki bxpbksb#prekjepm` rbseabkjb% gy tcb ndktc`y irdss ekjdnb+ #Qcb ndktc`yirdss ekjdnb we`` ekjùab mky pdsetevb jmsc f`dw frdn tcb sughbjtekvbstnbkt prdpbrty+%< mka

:+ Jm`ju`mtb tcb tdtm` fexba pmynbkt.td.ekjdnb rmted #gdttdn dr gmjl.bka rmted% gy aeveaeki tcb gdrrdwbr)s tdtm` ndktc`y dgèimtedks,ekjùaeki mky kbt `dss frdn tcb sughbjt ekvbstnbkt prdpbrty, gy tcb gdrrdwbr)s tdtm` ndktc`y irdss ekjdnb+

D+ Mutdndge b M` dwmkjbs mka Bxpbksb Mjjdukt _mynbkts+ Dk`y tcbmndukt gy wcejc tcb gdrrdwbr)s mutdndge`b m``dwmkjb dr bxpbksb mjjdukt pmynbkts bxjbba mjtum` bxpbkaeturbs nmy gb jdkseabrba ekjdnb+ Qcb gdrrdwbr nust prdveab EWZ Fdrn 7=?6, Bnp`dybb Gusekbss Bxpbksbs, fdr tcb prbvedus twd ybmrs td bstmgèsc tcb mndukt df ekjdnb tcmt nmy gbmaaba td irdss ekjdnb+ Qcb gdrrdwbr m`sd nust prdveab vbrefejmtedk frdntcb bnp`dybr tcmt tcbsb pmynbkts we` jdktekub+ #Ef tcbsb jm`ju`mtedksscdw m `dss, tcmt mndukt nust gb trbmtba ms m rbjurreki abgt+ Ef tcb gdrrdwbr usbs tcb stmkamra pbr.ne`b rmtb ek jm`ju`mteki mutdndge`bbxpbksbs, ms dppdsba td tcb mjtum` jdst nbtcda, tcb pdrtedk tcmt tcb EWZjdkseabrs abprbjemtedk nmy gb maaba gmjl td ekjdnb+% Maaetedkm``y, tcb gdrrdwbr)s ndktc`y jmr pmynbkt nust gb trbmtba ms m rbjurreki abgt< etnmy kdt gb dffsbt gy tcb jmr m``dwmkjb+

_+ Qrust Ekjdnb+ Ekjdnb frdn trusts nmy gb usba ef iumrmktbba, jdkstmkt pmynbkts we`` jdktekub fdr mt `bmst tcb ferst tcrbb ybmrs df tcb ndrtimibtbrn+ Adjunbktmtedk es rbquerba mka ekjùabs m jdpy df tcb QrustMirbbnbkt, dr dtcbr trustbb)s stmtbnbkt, jdkferneki mndukt, frbqubkjy df aestregutedk, mka aurmtedk df pmynbkts+ Fukas frdn tcb trust mjjdukt m`sdnmy gb usba fdr tcb rbquerba jmsc ekvbstnbkt wetc mabqumtbadjunbktmtedk+

]+ Kdk.Qmxmg`b Ekjdnb+ Ef m pmrteju`mr sdurjb df rbiu`mr ekjdnb es kdtsughbjt td fbabrm` tmxbs #b+i+, jbrtmek typbs df aesmgeèty mka pugèjmssestmkjb pmynbkts, neètmry m``dwmkjbs%, tcb mndukt df jdktekueki tmx

Djtdgbr 7??: 7.=3




1=22+= WBV.2

smvekis mttregutmg`b td tcb kdk.tmxmg`b ekjdnb sdurjb nmy gb maaba td tcb gdrrdwbr)s irdss ekjdnb+ Qcb pbrjbktmib df ekjdnb tcmt nmy gb maabanmy kdt bxjbba tcb mpprdpremtb tmx rmtb fdr tcmt ekjdnb mndukt, mka kdmaaetedkm` m``dwmkjbs fdr abpbkabkts mrb mjjbptmg`b+ Qcb `bkabr nustadjunbkt mka suppdrt tcb mahustnbkts #tcb mndukt tcb ekjdnb es 'irdssba

up'% nmab fdr mky kdk.tmxmg`b ekjdnb sdurjb+ Jceà suppdrt ekjdnbjmkkdt gb irdssba up+ Qcb `bkabr scduà usb tcb tmx rmtb usba td jm`ju`mtb`mst ybmr)s ekjdnb tmx fdr tcb gdrrdwbr+ Ef tcb gdrrdwbr es kdt rbquerba tdfe`b m fbabrm` ekjdnb tmx rbturk, tcb tmx rmtb td usb es 72 pbrjbkt+

W+ _rdhbjtba Ekjdnb+ _rdhbjtba dr cypdtcbtejm` ekjdnb es kdt mjjbptmg`b fdr qumèfyeki purpdsbs+ Cdwbvbr, bxjbptedks mrb pbrnettba td tces ru`b fdr ekjdnb frdn jdst.df.èveki mahustnbkts, pbrfdrnmkjb rmesbs, gdkusbs, btj+,wcejc mrb gdtc vbrefeba gy tcb bnp`dybr ek wreteki mka sjcbau`ba td gbiekwetcek 6? amys df `dmk j`dseki+

Ef m gdrrdwbr es mgdut td stmrt m kbw hdg mka cms m iumrmktbba, kdk.rbvdjmg`b jdktrmjt fdr bnp`dynbkt tcmt we`` gbiek wetcek 6? amys df `dmkj`dseki, tcb ekjdnb es mjjbptmg`b fdr qumèfyeki purpdsbs+ Qcb `bkabr m`sdnust vbrefy tcmt tcb gdrrdwbr we`` cmvb suffejebkt ekjdnb dr jmsc rbsbrvbstd suppdrt tcb ndrtimib pmynbkts mka mky dtcbr dgèimtedks aureki tcbektbren gbtwbbk `dmk j`dseki mka tcb stmrt df bnp`dynbkt+ #Qces jdkaetedknmy gb mpprdpremtb fdr setumtedks sujc ms tbmjcbrs wcdsb jdktrmjts we`` gbiek wetc tcb kbw sjcdd` ybmr, dr pcysejemks wcd we`` gbiek rbseabkjymftbr tcb `dmk es sjcbau`ba td j`dsb+% Cdwbvbr, ef tcb `dmk we`` j`dsb ndrbtcmk 6? amys gbfdrb tcb gdrrdwbr―s bnp`dynbkt gbieks, tcb `dmk es kdt

bèieg`b fdr bkadrsbnbkt ukte` tcb `bkabr prdveabs m pmy stug dr dtcbr mjjbptmg`b bveabkjb tcmt tcb gdrrdwbr cms gbiuk tcb kbw hdg+

7.3 BN_@DUNBKQ GU [email protected] GRZEKBZZBZ+ Gdrrdwbrsbnp`dyba mt gusekbssbs dwkba gy tcber fmne`y nbngbr#s% mrb rbquerba td prdveabmaaetedkm` ekjdnb adjunbktmtedk+ Qcbsb gdrrdwbrs nust prdveab tcb kdrnm`vbrefejmtedk df bnp`dynbkt, pmy stugs, mka bveabkjb tcmt tcby mrb kdt mk dwkbr df tcb gusekbss+ Qces bveabkjb nmy ekjùab jdpebs df tcb gdrrdwbr)s seikba pbrsdkm`tmx rbturks dr m seikba jdpy df tcb jdrpdrmtb tmx rbturk scdweki dwkbrscep pbrjbktmibs+

7.5 [email protected]_@DUBA GDWWDYBWZ+ M gdrrdwbr wetc m 72 pbrjbkt dr irbmtbr dwkbrscep ektbrbst ek m gusekbss es jdkseabrba sb`f.bnp`dyba fdr FCM ndrtimib`dmk ukabrwreteki purpdsbs+

Qcb fd``dweki jdkaetedks mpp`y td ukabrwreteki sb`f.bnp`dyba gdrrdwbrs8

M+ Nekenun @bkitc df Zb`f.Bnp`dynbkt+ Ekjdnb frdn sb`f.bnp`dynbktes jdkseabrba stmg`b mka bffbjtevb ef tcb gdrrdwbr cms gbbk sb`f.bnp`dybafdr twd dr ndrb ybmrs+ Qcb ceic prdgmgeèty df fmeùrb aureki tcb ferst fbw

Djtdgbr 7??: 7.=5




1=22+= WBV.2

ybmrs df m gusekbss nmlbs tcb fd``dweki rbquerbnbkts kbjbssmry fdr ekaeveaum`s wcd cmvb gbbk sb`f.bnp`dyba `bss tcmk twd ybmrs8

=+ Gbtwbbk Dkb mka Qwd Ubmrs+ Mk ekaeveaum` sb`f.bnp`dyba gbtwbbk dkb mka twd ybmrs nust cmvb mt `bmst twd ybmrs df

adjunbktba prbvedus sujjbssfu` bnp`dynbkt #dr m jdngekmtedk df dkb ybmr df bnp`dynbkt mka fdrnm` baujmtedk dr trmekeki% ek tcbèkb df wdrl ek wcejc tcb gdrrdwbr es sb`f.bnp`dyba dr ek m rb`mtbadjjupmtedk td gb bèieg`b+

7+ @bss tcmk Dkb Ubmr+ Qcb ekjdnb frdn m gdrrdwbr sb`f.bnp`dyba`bss tcmk dkb ybmr nmy kdt gb jdkseabrba bffbjtevb ekjdnb+

G+ Adjunbktmtedk Wbquerbnbkts+ Qcb fd``dweki adjunbkts mrb rbquerbafrdn sb`f.bnp`dyba gdrrdwbrs8

=+ Zeikba mka amtba ekaeveaum` tmx rbturks, pùs m`` mppèjmg`bsjcbau`bs, fdr tcb ndst rbjbkt twd ybmrs+

7+ Zeikba jdpebs df fbabrm` gusekbss ekjdnb tmx rbturks fdr tcb `msttwd ybmrs, wetc m`` mppèjmg`b sjcbau`bs, ef tcb gusekbss es mjdrpdrmtedk, mk 'Z' jdrpdrmtedk, dr m pmrtkbrscep+

:+ M ybmr.td.amtb prdfet.mka.`dss #_&@% stmtbnbkt mka gm`mkjb scbbt+

1+ M gusekbss jrbaet rbpdrt dk jdrpdrmtedks mka 'Z' jdrpdrmtedks+

J+ Mkm`yzeki Ekjdnb+ Qcb `bkabr nust bstmgèsc tcb gdrrdwbr)s bmrkekistrbka dvbr tcb prbvedus twd ybmrs gut nmy mvbrmib tcb ekjdnb dvbr tcrbbybmrs, ef m`` tcrbb ybmrs) tmx rbturks mrb prdveaba+ Ef tcb gdrrdwbr prdveabsqumrtbr`y tmx rbturks, tcb mkm`yses jmk ekjùab ekjdnb tcrduic tcb pbredajdvbrba gy tcb tmx feèkis+ Ef tcb gdrrdwbr es kdt sughbjt td qumrtbr`y tmxfeèkis dr adbs kdt fe`b qumrtbr`y rbturks #Fdrn EWZ =?1? BZ%, tcb ekjdnbscdwk dk tcb _&@ stmtbnbkt nmy gb ekjùaba ek tcb mkm`yses, prdveaba tcb

ekjdnb strbmn gmsba dk tcb _&@ stmtbnbkt es jdksestbkt wetc tcb prbvedus ybmrs) bmrkekis+ Ef tcb _&@ stmtbnbkts sugnettba fdr tcb jurrbkt ybmr scdw mk ekjdnb strbmn jdkseabrmg`y irbmtbr tcmk wcmt es suppdrtba gy tcb prbvedus ybmrs) tmx rbturks, tcb mkm`yses df ekjdnb nust gb prbaejmtbasd`b`y dk tcb ekjdnb vbrefeba tcrduic tcb tmx rbturks+

Qd abtbrnekb ef tcb gusekbss jmk gb bxpbjtba td jdktekub td ibkbrmtbsuffejebkt ekjdnb fdr tcb gdrrdwbr)s kbbas, `bkabrs nust mkm`yzb jmrbfu``ytcb gusekbss)s fekmkjem` strbkitc, tcb sdurjb df ets ekjdnb, mka tcb ibkbrm`bjdkdnej dut`ddl fdr sene`mr gusekbssbs ek tcb mrbm+ Mkkum` bmrkekis tcmtmrb stmg`b dr ekjrbmseki mrb mjjbptmg`b+ Jdkvbrsb`y, m gdrrdwbr wcdsb

Djtdgbr 7??: 7.7?




1=22+= WBV.2

gusekbss scdws m seikefejmkt abjèkb ek ekjdnb dvbr tcb pbreda mkm`yzba eskdt mjjbptmg`b, bvbk ef jurrbkt ekjdnb mka abgt rmteds nbbt dur iueabèkbs+

Qcbrb mrb fdur gmsej typbs df gusekbss strujturbs8 sd`b prdprebtdrsceps,jdrpdrmtedks< ènetba emgeèty #'Z' jdrpdrmtedks%< mka pmrtkbrsceps+ Bmjc

typb rbquerbs sèict`y aeffbrbkt fdrns df mkm`yses+

Qcb fd``dweki prdveabs maaetedkm` ekfdrnmtedk dk mkm`yzeki tmx rbturks8

=+ Ekaeveaum` Qmx Wbturks #EWZ Fdrn =?1?%+ Qcb mndukt scdwkdk tcb EWZ Fdrn =?1? ms 'mahustba irdss ekjdnb' betcbr nust gbekjrbmsba dr abjrbmsba, gmsba dk tcb `bkabr)s mkm`yses df tcbekaeveaum` tmx rbturks mka mky rb`mtba tmx sjcbau`bs+ _mrteju`mr mttbktedk nust gb pmea td tcb fd``dweki8

m+ Ymibs, Zm`mrebs, mka Qeps+ Mk mndukt scdwk ukabr tces

cbmaeki nmy ekaejmtb tcmt tcb ekaeveaum` es m sm`mrebabnp`dybb df m jdrpdrmtedk dr cms dtcbr sdurjbs df ekjdnb+Et m`sd nmy ekaejmtb tcmt tcb spdusb es bnp`dyba, ek wcejcjmsb tcb ekjdnb nust gb sugtrmjtba frdn tcb mahustba irdssekjdnb ek tcb mkm`yses+

g+ Gusekbss Ekjdnb dr @dss #frdn Zjcbau`b J%+ Qcb sd`b prdprebtdrscep ekjdnb jm`ju`mtba dk Zjcbau`b J es gusekbssekjdnb+ Abprbjemtedk dr abp`btedk nmy gb maaba gmjl tdmahustba irdss ekjdnb+

j+ Wbkts, Wdym`tebs, _mrtkbrsceps, Btj+ #frdn Zjcbau`b B%+Mky ekjdnb rbjbevba frdn rbktm` prdpbrtebs dr rdym`tebsnmy gb usba ms ekjdnb mftbr maaeki gmjl mky abprbjemtedkscdwk dk Zjcbau`b B+

a+ Jmpetm` Imek dr @dss #frdn Zjcbau`b A%+ Qces trmksmjtedkibkbrm``y djjurs dk`y dkb tenb, mka et scduà kdt gbjdkseabrba ek abtbrnekeki bffbjtevb ekjdnb+ Cdwbvbr, ef tcb gusekbss cms m jdkstmkt turkdvbr df mssbts rbsu`teki ekimeks dr `dssbs, tcb jmpetm` imek dr `dss nmy gb jdkseabrbaek abtbrnekeki tcb ekjdnb, prdveaba tcb gdrrdwbr cms mt`bmst tcrbb ybmrs) tmx rbturks bveabkjeki jmpetm` imeks+ Mkbxmnp`b ekjùabs mk ekaeveaum` wcd purjcmsbs dà cdusbs,rbndab`s tcbn, mka sb``s tcbn fdr m prdfet+

b+ Ektbrbst mka Aeveabka Ekjdnb #frdn Zjcbau`b G%+ Qcesekjdnb, wcejc es tmxmg`b mka tmx.bxbnpt, nmy gb maaba gmjl td tcb mahustba irdss ekjdnb dk`y ef et cms gbbkrbjbevba fdr tcb pmst twd ybmrs mka es bxpbjtba td jdktekub+

Djtdgbr 7??: 7.7=




1=22+= WBV.2

#Ef tcb ektbrbst.gbmreki mssbt we`` gb èqueamtba ms m sdurjbdf tcb jmsc ekvbstnbkt, tcb `bkabr nust mahust mjjdraeki`y+%

f+ Fmrn Ekjdnb dr @dss #frdn Zjcbau`b F%+ Mky abprbjemtedkscdwk dk Zjcbau`b F nmy gb maaba gmjl td tcb mahustba

irdss ekjdnb+

i+ EWM Aestregutedks, _bksedks, Mkkuetebs, mka Zdjem` ZbjuretyGbkbfets+ Qcb kdk.tmxmg`b pdrtedk df tcbsb etbns nmy gbmaaba gmjl td tcb mahustba irdss ekjdnb, ef tcb ekjdnb esbxpbjtba td jdktekub fdr tcb ferst tcrbb ybmrs df tcbndrtimib+

c+ Mahustnbkts td Ekjdnb+ Jbrtmek mahustnbkts td ekjdnbscdwk dk tcb EWZ Fdrn =?1? nmy gb maaba gmjl td tcbmahustba irdss ekjdnb+ Mndki tcbsb mahustnbkts mrb EWM

mka Lbdic rbterbnbkt abaujtedks, pbkm`tebs dk bmr`ywetcarmwm` df smvekis, cbm`tc eksurmkjb abaujtedks, mkamèndky pmynbkts+

e+ Bnp`dybb Gusekbss Bxpbksbs+ Qcbsb bxpbksbs mrb mjtum`jmsc bxpbksbs tcmt nust gb abaujtba frdn tcb gdrrdwbr)smahustba irdss ekjdnb+

7+ Jdrpdrmtb Qmx Wbturks #EWZ Fdrn ==7?%+ Jdrpdrmtedks mrbstmtb.jcmrtbrba gusekbssbs dwkba gy tcber stdjlcdàbrs+Jdnpbksmtedk td ets dffejbrs, ibkbrm``y ek prdpdrtedk td tcb pbrjbktmib df dwkbrscep, es scdwk dk tcb jdrpdrmtb tmx rbturks mkawe`` mppbmr dk ekaeveaum` tmx rbturks+ Ef tcb gdrrdwbr)s pbrjbktmibdf dwkbrscep es kdt scdwk, et nust gb dgtmekba sbpmrmtb`y frdn tcbjdrpdrmtedk)s mjjduktmkt, wetc bveabkjb tcmt tcb gdrrdwbr cms tcbreict td tcdsb fukas+ Dkjb tcb mahustba gusekbss ekjdnb esabtbrnekba, et scduà gb nu`tepèba gy tcb gdrrdwbr)s pbrjbktmib df dwkbrscep ek tcb gusekbss+

Ek mkm`yzeki tcb jdrpdrmtb tmx rbturks, `bkabrs nust mahust fdr tcbfd``dweki8

m+ Abprbjemtedk mka Abp`btedk+ Qcb jdrpdrmtedk)s abprbjemtedkmka abp`btedk nust gb maaba gmjl td mftbr.tmx ekjdnb+

g+ Qmxmg`b Ekjdnb+ Qmxmg`b ekjdnb es tcb jdrpdrmtedk)s kbtekjdnb gbfdrb fbabrm` tmxbs+ Et nust gb rbaujba gy tcb tmxèmgeèty+

Djtdgbr 7??: 7.77




1=22+= WBV.2

j+ Fesjm` Ubmr vs+ Jm`bkamr Ubmr+ Ef tcb jdrpdrmtedk dpbrmtbsdk m fesjm` ybmr tcmt es aeffbrbkt frdn tcb jm`bkamr ybmr, mkmahustnbkt nust gb nmab gy tcb `bkabr td rb`mtb jdrpdrmtbekjdnb td tcb ekaeveaum` tmx rbturk+

a+ Jmsc Yetcarmwm`s+ Qcb gdrrdwbr)s wetcarmwm` df jmscfrdn tcb jdrpdrmtedk nmy cmvb m sbvbrb kbimtevb enpmjt dktcb jdrpdrmtedk)s mgeèty td jdktekub dpbrmteki+

:+ 'Z' Jdrpdrmtedk Qmx Wbturks+ Mk 'Z' jdrpdrmtedk es ibkbrm``y msnm``, stmrt.up gusekbss, wetc imeks mka `dssbs pmssba dk tdstdjlcdàbrs ek prdpdrtedk td bmjc stdjlcdàbr)s pbrjbktmib df gusekbss dwkbrscep+ Qcb ekjdnb fdr tcb dwkbrs jdnbs frdn Y.7wmibs mka es tmxba mt tcb ekaeveaum` rmtb+

Qcb 'jdnpbksmtedk df dffejbrs' èkb dk tcb EWZ Fdrn ==7?Z es

trmksfbrrba td tcb gdrrdwbr)s EWZ Fdrn =?1?+ Gdtc abprbjemtedkmka abp`btedk nmy gb maaba gmjl td ekjdnb ek prdpdrtedk td tcb gdrrdwbr)s scmrb df ekjdnb+ Cdwbvbr, ekjdnb m`sd nust gbabaujtba prdpdrtedkmtb`y gy tcb tdtm` dgèimtedks pmymg`b gy tcbjdrpdrmtedk ek `bss tcmk dkb ybmr+ Qcb gdrrdwbr)s wetcarmwm` df jmsc frdn tcb jdrpdrmtedk nmy cmvb m sbvbrb kbimtevb enpmjt dktcb jdrpdrmtedk)s mgeèty td jdktekub dpbrmteki mka nust gbjdkseabrba ek tcb mkm`yses+

1+ _mrtkbrscep Qmx Wbturks+ M pmrtkbrscep es fdrnba wcbk twd dr ndrb ekaeveaum`s fdrn m gusekbss mka scmrb ek prdfets, `dssbs, mkarbspdksegeèty fdr rukkeki tcb jdnpmky+ Bmjc pmrtkbr pmys tmxbsdk ces dr cbr prdpdrtedkmtb scmrb df tcb pmrtkbrscep―s kbt ekjdnb+

Gdtc ibkbrm` mka ènetba pmrtkbrsceps rbpdrt ekjdnb dk tcb EWZFdrn =?62< tces fdrn nust gb rbvebwba gy tcb `bkabr td mssbss tcbvemgeèty df tcb gusekbss+ Qcb pmrtkbr)s scmrb df ekjdnb es jmrrebadvbr td Zjcbau`b B df EWZ Fdrn =?1?+ Gdtc abprbjemtedk mkaabp`btedk nmy gb maaba gmjl td ekjdnb ek prdpdrtedk td tcb gdrrdwbr)s scmrb df ekjdnb+ Cdwbvbr, ekjdnb m`sd nust gbabaujtba prdpdrtedkmtb`y gy tcb tdtm` dgèimtedks pmymg`b gy tcb pmrtkbrscep ek `bss tcmk dkb ybmr+ Qcb gdrrdwbr)s wetcarmwm` df jmsc frdn tcb pmrtkbrscep nmy cmvb m sbvbrb kbimtevb enpmjt dktcb pmrtkbrscep)s mgeèty td jdktekub dpbrmteki mka nust gbjdkseabrba ek tcb mkm`yses+

Djtdgbr 7??: 7.7:




1=22+= WBV.2

ZBJQEDK :8 GDWWDYBW)Z JMZC EKVBZQNBKQ EK QCB _WD_BWQU

7.=? FRKAZ QD J@DZB+ Qcb jmsc ekvbstnbkt ek tcb prdpbrty nust bqum` tcbaeffbrbkjb gbtwbbk tcb mndukt df tcb eksurba ndrtimib, bxjùaeki mky upfrdktNE_, mka tcb tdtm` jdst td mjquerb tcb prdpbrty ekjùaeki prbpmea bxpbksbs mka

j`dseki jdsts ms absjregba ek pmrmirmpc =.5+

M`` fukas fdr tcb gdrrdwbr)s ekvbstnbkt ek tcb prdpbrty nust gb vbrefeba mka

adjunbktba + Mjjbptmg`b sdurjbs df tcbsb fukas ekjùab tcb fd``dweki8

M+ Bmrkbst Ndkby Abpdset+ Ef tcb mndukt df tcb bmrkbst ndkby abpdsetbxjbbas 7 pbrjbkt df tcb sm`bs prejb dr mppbmrs bxjbssevb gmsba dk tcb gdrrdwbr)s cestdry df mjjunu`mteki smvekis, tcb `bkabr nust vbrefy wetcadjunbktmtedk tcb abpdset mndukt mka tcb sdurjb df fukas+ Zmtesfmjtdryadjunbktmtedk ekjùabs m jdpy df tcb gdrrdwbr)s jmkjb``ba jcbjl+ Mjbrtefejmtedk frdn tcb abpdset.cdàbr mjlkdw`baieki rbjbept df fukas mka

sbpmrmtb bveabkjb df tcb sdurjb df fukas es m`sd mjjbptmg`b+ Bveabkjb df sdurjb df fukas ekjùabs m vbrefejmtedk df abpdset dr gmkl stmtbnbktscdweki tcmt mt tcb tenb tcb abpdset wms nmab tcb mvbrmib gm`mkjb wmssuffejebkt td jdvbr tcb mndukt df tcb bmrkbst ndkby abpdset+

G+ Zmvekis mka Jcbjleki Mjjdukts+ M vbrefejmtedk df abpdset #VDA%, m`dkiwetc tcb ndst rbjbkt gmkl stmtbnbkt, nmy gb usba td vbrefy smvekis mkajcbjleki mjjdukts+ Ef tcbrb es m `mrib ekjrbmsb ek mk mjjdukt, dr tcbmjjdukt wms dpbkba rbjbkt`y, tcb `bkabr nust dgtmek m jrbaeg`bbxp`mkmtedk df tcb sdurjb df tcdsb fukas+

J+ Ieft Fukas+ Mk dutreict ieft df tcb jmsc ekvbstnbkt es mjjbptmg`b ef tcbadkdr es tcb gdrrdwbr―s rb`mtevb, tcb gdrrdwbr)s bnp`dybr dr `mgdr ukedk, mjcmretmg`b drimkezmtedk, m idvbrknbktm` mibkjy dr pugèj bktety tcmt cms m prdirmn td prdveab cdnbdwkbrscep mssestmkjb td `dw. mka ndabrmtb.ekjdnb fmneèbs dr ferst.tenb cdnbguybrs, dr m j`dsb frebka wetc m j`bmr`yabfekba mka adjunbktba ektbrbst ek tcb gdrrdwbr+ Qcb ieft adkdr nmy kdt gb m pbrsdk dr bktety wetc mk ektbrbst ek tcb sm`b df tcb prdpbrty, sujc ms tcbsb``br, rbm` bstmtb mibkt dr grdlbr, gueàbr, dr mky bktety mssdjemtba wetctcbn+ Iefts frdn tcbsb sdurjbs mrb jdkseabrba ekaujbnbkts td purjcmsbmka nust gb sugtrmjtba frdn tcb sm`bs prejb+ Kd rbpmynbkt df tcb ieft nmy gb bxpbjtba dr enpèba+ #Ms m ru`b, wb mrb kdt jdkjbrkba wetc cdw tcbadkdr dgtmeks tcb ieft fukas prdveaba tcby mrb kdt abrevba ek mky nmkkbr frdn m pmrty td tcb sm`bs trmksmjtedk+ Adkdrs nmy gdrrdw ieft fukas frdnmky dtcbr mjjbptmg`b sdurjb prdveaba tcb ndrtimib gdrrdwbrs mrb kdtdgèidrs td mky kdtb td sbjurb ndkby gdrrdwba td ievb tcb ieft+% Qces ru`bm`sd mppèbs td prdpbrtebs df wcejc tcb sb``br es m idvbrknbkt mibkjysb`èki fdrbj`dsba prdpbrtebs, sujc ms tcb Vbtbrmks Manekestrmtedk dr Wurm`Cduseki Zbrvejbs+ Dk`y fmne`y nbngbrs nmy prdveab bquety jrbaet ms mieft dk m prdpbrty gbeki sdà td dtcbr fmne`y nbngbrs+ Qcbsb rbstrejtedks

Djtdgbr 7??: 7.71




1=22+= WBV.2

dk iefts mka bquety jrbaet nmy gb wmevba gy tcb huresaejtedkm` CDJ prdveaba tcmt tcb sb``br es jdktreguteki td dr dpbrmteki mk mjjbptmg`bmffdramg`b cduseki prdirmn+

FCM abbns tcb pmynbkt df jdksunbr abgt gy tcera pmrtebs td gb mk

ekaujbnbkt td purjcmsb+ Yce`b FCM pbrnets sb``brs mka dtcbr pmrtebs tdnmlb jdktregutedks df up td sex pbrjbkt df tcb sm`bs prejb df m prdpbrtytdwmra m guybr)s mjtum` j`dseki jdsts mka fekmkjeki jdkjbssedks, tces pdèjy mppèbs bxjùsevb`y td tcb prdvesedk df ndrtimib fekmkjeki+ Dtcbr bxpbksbs pmea dk gbcm`f df tcb gdrrdwbr nust rbsu`t ek m ad``mr.fdr.ad``mr rbaujtedk td tcb sm`bs prejb+ Qcb ad``mr.fdr.ad``mr rbaujtedk td tcb sm`bs prejb m`sd mppèbs td ieft fukas kdt nbbteki tcb rbquerbnbkt tcmt tcb ieft gbfdr adwkpmynbkt mssestmkjb mka es prdveaba gy mk mjjbptmg`b sdurjb+Ycbk sdnbdkb dtcbr tcmk m fmne`y nbngbr cms pmea dff abgts, tcb fukasusba td pmy dff tcb abgt nust gb trbmtba ms mk ekaujbnbkt td purjcmsb mkatcb sm`bs prejb nust gb rbaujba gy m ad``mr.fdr.ad``mr mndukt ek

jm`ju`mteki tcb nmxenun eksurmg`b ndrtimib+

Adjunbktmtedk Wbquerbnbkts+ Qcb `bkabr nust adjunbkt tcb ieft fukas gy dgtmekeki m ieft `bttbr, seikba gy tcb adkdr mka gdrrdwbr, tcmt spbjefebstcb ad``mr mndukt df tcb ieft, stmtbs tcmt kd rbpmynbkt es rbquerba, scdwstcb adkdr―s kmnb, maarbss, tb`bpcdkb kungbr mka stmtbs tcb kmturb df tcbadkdr―s rb`mtedkscep td tcb gdrrdwbr+ Ek maaetedk, tcb bkabr nustadjunbkt tcb trmksfbr df fukas frdn tcb adkdr td tcb gdrrdwbr, ms fd``dws8

=+ Ef tcb ieft fukas mrb ek tcb cdnbguybr)s gmkl mjjdukt, tcb `bkabr nust adjunbkt tcb trmksfbr df tcb fukas frdn tcb adkdr td tcbcdnbguybr gy dgtmekeki m jdpy df tcb jmkjb`ba jcbjl dr dtcbr wetcarmwm` adjunbkt scdweki tcmt tcb wetcarmwm` es frdn tcbadkdr)s mjjdukt+ Qcb cdnbguybr)s abpdset sèp mka gmkl stmtbnbkttcmt scdws tcb abpdset es m`sd rbquerba+

7+ Ef tcb ieft fukas mrb td gb prdveaba mt j`dseki8

m+ Ef tcb trmksfbr df tcb ieft fukas es gy jbrtefeba jcbjl nmabdk tcb adkdr)s mjjdukt, tcb `bkabr nust dgtmek m gmkl stmtbnbkt scdweki tcb wetcarmwm` frdn tcb adkdr)smjjdukt, ms wb`` ms m jdpy df tcb jbrtefeba jcbjl+

g+ Ef tcb adkdr purjcmsba m jmscebr)s jcbjl, ndkby drabr,dffejem` jcbjl, dr mky dtcbr typb df gmkl jcbjl ms m nbmksdf trmksfbrreki tcb ieft fukas, tcb adkdr nust prdveab mwetcarmwm` adjunbkt dr jmkjb`ba jcbjl fdr tcb mndukt df tcb ieft, scdweki tcmt tcb fukas jmnb frdn tcb adkdr)s pbrsdkm` mjjdukt+ Ef tcb adkdr gdrrdwba tcb ieft fukas mkajmkkdt prdveab adjunbktmtedk frdn tcb gmkl dr dtcbr

Djtdgbr 7??: 7.72




1=22+= WBV.2

smvekis mjjdukt, tcb adkdr nust prdveab wrettbk bveabkjbtcmt tcdsb fukas wbrb gdrrdwba frdn mk mjjbptmg`b sdurjb,e+b+, kdt frdn m pmrty td tcb trmksmjtedk, ekjùaeki tcb`bkabr+ 'Jmsc dk cmka' es kdt mk mjjbptmg`b sdurjb df tcbadkdr)s ieft fukas+

Wbimra`bss df wcbk tcb ieft fukas mrb nmab mvme`mg`b td tcbcdnbguybr, tcb `bkabr nust gb mg`b td abtbrnekb tcmt tcbieft fukas u`tenmtb`y wbrb kdt prdveaba frdn mkukmjjbptmg`b sdurjb mka wbrb ekabba tcb adkdr)s dwkfukas+ Ycbk tcb trmksfbr djjurs mt j`dseki, tcb `bkabr rbnmeks rbspdkseg`b fdr dgtmekeki vbrefejmtedk tcmt tcbj`dseki mibkt rbjbevba fukas frdn tcb adkdr fdr tcb mnduktdf tcb purpdrtba ieft mka tcmt tcdsb fukas jmnb frdn mkmjjbptmg`b sdurjb+

KDQB8 FCM adbs kdt ‐mpprdvb„ adwk pmynbkt mssestmkjb prdirmns ektcb fdrn df iefts manekestbrba gy jcmretmg`b drimkezmtedks #e+b+,kdkprdfets%+ Ndrtimib `bkabrs mrb rbspdkseg`b fdr mssureki tcmt tcb ieft tdtcb cdnbguybr frdn tcb jcmretmg`b drimkezmtedk nbbts tcb mpprdpremtbFCM rbquerbnbkts mka tcb trmksfbr df fukas es prdpbr`y adjunbktba+ Ekmaaetedk, FCM adbs kdt m``dw kdkprdfet bktetebs td prdveab iefts tdcdnbguybrs fdr tcb purpdsb df pmyeki dff ekstm``nbkt `dmks, jrbaet jmras,jd``bjtedks, huainbkts, mka sene`mr abgts+

A+ Jd``mtbrmèzba @dmks+ Fukas jmk gb gdrrdwba fdr tcb tdtm` rbquerbaekvbstnbkt ms `dki ms smtesfmjtdry bveabkjb es prdveaba tcmt tcb fukas mrbfu``y sbjurba gy ekvbstnbkt mjjdukts dr rbm` prdpbrty+ Zujc mssbts nmyekjùab stdjls, gdkas, rbm` bstmtb #dtcbr tcmk tcb prdpbrty gbeki purjcmsba%, btj+

Ek maaetedk, jbrtmek typbs df `dmks sbjurba mimekst abpdsetba fukas, sujc msseikmturb `dmks, tcb jmsc vmùb df èfb eksurmkjb pdèjebs, `dmks sbjurba gy1?=#l%s, btj+, ek wcejc rbpmynbkt nmy gb dgtmekba tcrduic bxtekiuescekitcb mssbt< ad kdt rbquerb jdkseabrmtedk df m rbpmynbkt fdr qumèfyeki purpdsbs+ Cdwbvbr, ek sujc jerjunstmkjbs, tcb mssbt sbjureki tcb `dmknmy kdt gb ekjùaba ms mssbts td j`dsb dr dtcbrwesb jdkseabrba ms mvme`mg`btd tcb gdrrdwbr+

Mk ekabpbkabkt tcera pmrty nust prdveab tcb gdrrdwba fukas+ Qcb sb``br,rbm` bstmtb mibkt dr grdlbr, `bkabr, dr dtcbr ektbrbstba tcera pmrty nmy kdt prdveab sujc fukas+ Rkmjjbptmg`b gdrrdwba fukas ekjùab seikmturb`dmks, jmsc mavmkjbs dk jrbaet jmras, gdrrdweki mimekst cdusbcdà iddasmka furketurb mka dtcbr sene`mr uksbjurba fekmkjeki+

Djtdgbr 7??: 7.76




1=22+= WBV.2

B+ Zm`bs _rdjbbas+ Qcb kbt prdjbbas frdn mk mrns.`bkitc sm`b df m jurrbkt`ydwkba prdpbrty nmy gb usba fdr tcb jmsc ekvbstnbkt dk m kbw cdusb+ Mfu``y bxbjutba CRA.= Zbtt`bnbkt Ztmtbnbkt nust gb prdveaba mssmtesfmjtdry bveabkjb df tcb jmsc sm`bs prdjbbas mjjrueki td tcb gdrrdwbr+Ef tcb prdpbrty cms kdt sdà gy tcb tenb df ukabrwreteki, `dmk mpprdvm`

nust gb jdkaetedkba updk vbrefyeki tcb mjtum` prdjbbas rbjbevba gy tcb gdrrdwbr+ Qcb `bkabr nust adjunbkt gdtc tcb mjtum` sm`b mka tcbsuffejebkjy df tcb kbt prdjbbas rbquerba fdr sbtt`bnbkt+

F+ Qrmab Bquety+ Qcb gdrrdwbr nmy mirbb td trmab ces dr cbr rbm` prdpbrtytd tcb sb``br ms pmrt df tcb jmsc ekvbstnbkt+ Qcb mndukt df tcb gdrrdwbr)sbquety jdktregutedk es abtbrnekba gy sugtrmjteki m`` èbks mimekst tcb prdpbrty gbeki trmaba #m`dki wetc mky rbm` bstmtb jdnnessedk% frdn tcb`bssbr df tcmt prdpbrty)s mpprmesba vmùb dr sm`bs$trmab prejb+

Vmùb nust gb abtbrnekba gy m rbseabktem` mpprmesm` kd ndrb tcmk sex

ndktcs dà+ Bveabkjb df dwkbrscep m`sd es rbquerba+ Maaetedkm``y, ef tcb prdpbrty gbeki trmaba cms mk FCM.eksurba ndrtimib, mssunptedk prdjbsseki rbquerbnbkts mka rbstrejtedks mpp`y #sbb Jcmptbr 1 fdr maaetedkm` ekfdrnmtedk%+

I+ Zm`b df _brsdkm` _rdpbrty+ Ef tcb gdrrdwbr ektbkas td sb`` pbrsdkm` prdpbrty etbns #jmrs, rbjrbmtedkm` vbcej`bs, stmnps, jdeks, gmsbgm`` jmrajd``bjtedks, btj+% td dgtmek fukas rbquerba fdr j`dseki, tcb gdrrdwbr nust prdveab m smtesfmjtdry bstenmtb df tcber wdrtc, ek maaetedk td jdkjùsevbbveabkjb tcb etbns cmvb gbbk sdà+ Qcb bstenmtba wdrtc df tcb etbns gbeki sdà nmy gb ek tcb fdrn df pugèscba vmùb bstenmtbs, sujc ms tcdsbessuba gy mutdndge`b abm`brs, pce`mtbèj dr kunesnmtej mssdjemtedks, dr msbpmrmtb wrettbk mpprmesm` gy m qumèfeba mpprmesbr wetc kd fekmkjemèktbrbst ek tcb `dmk trmksmjtedk+ Dk`y tcb `bssbr df tces bstenmtb df vmùb dr tcb mjtum` sm`bs prejb es jdkseabrba ms mssbts td j`dsb+

C+ Bnp`dybr)s Iumrmktbb _`mks+ Ef tcb gdrrdwbr―s bnp`dybr iumrmktbbs td purjcmsb tcb gdrrdwbr)s prbvedus rbseabkjb ms tcb rbsu`t df rb`djmtedk, tcb gdrrdwbr nust sugnet bveabkjb df tcb mirbbnbkt mka tcb kbt prdjbbasnust gb iumrmktbba+

E+ Bnp`dybr Mssestmkjb _`mks+ Ef tcb bnp`dybr, td mttrmjt dr rbtmek vmùmg`bbnp`dybbs, pmys tcb bnp`dybb)s j`dseki jdsts, ndrtimib eksurmkjb prbneun, dr mky pdrtedk df tcb jmsc ekvbstnbkt, tces pmynbkt esjdkseabrba bnp`dybb jdnpbksmtedk mka kd mahustnbkt td tcb nmxenunndrtimib mndukt es rbquerba+ Ef tcb bnp`dybr prdveabs tces gbkbfet mftbr `dmk sbtt`bnbkt, tcb gdrrdwbr nust prdveab bveabkjb df suffejebkt jmsc fdr j`dseki+ M sm`mry mavmkjb, cdwbvbr, jmkkdt gb jdkseabrba ms mssbts tdj`dsb sekjb et rbprbsbkts mk uksbjurba `dmk+

Djtdgbr 7??: 7.79




1=22+= WBV.2

H+ Zmvekis Gdkas, Btj+ Idvbrknbkt essuba gdkas mrb jduktba mt dreiekm` purjcmsb prejb, uk`bss bèiegeèty fdr rbabnptedk mka rbabnptedk vmùb mrbjdkfernba+ Mjtum` rbjbept df fukas mt rbabnptedk nust gb vbrefeba+

L+ EWMs, Qcreft Zmvekis _`mks, 1?=#l%s & Lbdic Mjjdukts+ Mssbts sujc ms

EWMs, tcreft smvekis p`mks, mka 1?=#l%s, btj+, nmy gb ekjùaba ek tcbukabrwreteki mkm`yses up td dk`y 6? pbrjbkt df vmùb uk`bss tcb gdrrdwbr prdveabs jdkjùsevb bveabkjb tcmt m ceicbr pbrjbktmib nmy gb wetcarmwkmftbr sugtrmjteki mky fbabrm` ekjdnb tmx mka mky wetcarmwm` pbkm`tebs+Bveabkjb df rbabnptedk es rbquerba+

@+ Ztdjls mka Gdkas+ Qcb ndktc`y dr qumrtbr`y stmtbnbkt prdveaba gy tcbstdjlgrdlbr dr fekmkjem` ekstetutedk nmkmieki tcb pdrtfdèd nmy gb usba tdvbrefy tcb vmùb df tcbsb sbjuretebs+ Mjtum` rbjbept df fukas nust gbvbrefeba mka adjunbktba+

N+ Jmsc Zmvba Mt Cdnb+ Gdrrdwbrs wcd cmvb smvba jmsc mt cdnb mka mrbmg`b td abndkstrmtb mabqumtb`y tcb mgeèty td ad sd mrb pbrnettba td cmvbtces ndkby ekjùaba ms mk mjjbptmg`b sdurjb df fukas td j`dsb tcbndrtimib+ Qd ekjùab sujc fukas ek mssbsseki tcb cdnbguybr)s jmsc mssbtsfdr j`dseki, tcb ndkby nust gb vbrefeba‚wcbtcbr abpdsetba ek m fekmkjemèkstetutedk dr cbà gy tcb bsjrdw$tet`b jdnpmky‚mka tcb gdrrdwbr nust prdveab smtesfmjtdry bveabkjb df tcb mgeèty td mjjunu`mtb sujc smvekis+

Qcb mssbt vbrefejmtedk prdjbss rbquerbs tcb gdrrdwbr td bxp`mek ek wretekicdw sujc fukas wbrb mjjunu`mtba mka tcb mndukt df tenb tmlbk td ad sd+Qcb `bkabr nust abtbrnekb tcb rbmsdkmg`bkbss df tcb mjjunu`mtedk df tcbfukas gmsba dk tcb gdrrdwbr)s ekjdnb strbmn, tcb tenb pbreda aurekiwcejc tcb fukas wbrb smvba, tcb gdrrdwbr―s spbkaeki cmgets, adjunbktbabxpbksbs mka tcb gdrrdwbr―s cestdry df useki fekmkjem` ekstetutedks+ #M``dtcbr fmjtdrs gbeki bqum`, ekaeveaum`s wetc jcbjleki mka$dr smvekismjjdukts mrb `bss èlb`y td smvb ndkby mt cdnb tcmk mk ekaeveaum` wetc kdcestdry df sujc mjjdukts+%

K+ Wbkt Jrbaet+ Qcb junu`mtevb mndukt df tcb rbktm` pmynbkts tcmt bxjbbatcb mpprmesbr)s bstenmtb df fmer nmrlbt rbkt nmy gb jdkseabrbamjjunu`mtedk df tcb gdrrdwbr)s jmsc ekvbstnbkt+ Gdtc tcb rbkt.wetc.dptedk.td.purjcmsb mirbbnbkt mka tcb mpprmesbr)s bstenmtb df nmrlbt rbktnust gb ekjùaba ek tcb bkadrsbnbkt pmjlmib+

Jdkvbrsb`y, ef tcb sm`bs mirbbnbkt rbvbm`s tcmt tcb rbktbr cms gbbk èveki ektcb prdpbrty #dr dkb dwkba gy tcb sb``br% rbkt.frbb, dr tcmt mk mirbbnbktwms nmab m``dweki tcb rbktbr td djjupy mt m rbktm` mndukt jdkseabrmg`y gb`dw fmer nmrlbt vmùb ek mktejepmtedk df bvbktum` purjcmsb df tcb prdpbrty, tces setumtedk nust gb trbmtba ms mk ekaujbnbkt td purjcmsb wetcmk mpprdpremtb rbaujtedk td tcb ndrtimib+ Bxjbptedks nmy gb irmktba ek

Djtdgbr 7??: 7.73




1=22+= WBV.2

setumtedks, sujc ms wcbk m gueàbr fme`s td abèvbr m prdpbrty mt mk mirbba.tdtenb mka tcbk pbrnets tcb gdrrdwbr td djjupy tcmt dr mkdtcbr uket fdr `bss.tcmk.nmrlbt rbkt tbnpdrmre`y ukte` jdkstrujtedk es jdnp`btb+

D+ Zwbmt Bquety+ @mgdr pbrfdrnba dr nmtbrem`s furkescba gy tcb gdrrdwbr

gbfdrb j`dseki, dk tcb prdpbrty gbeki purjcmsba, nmy gb jdkseabrba ms tcbbquevm`bkt df m jmsc ekvbstnbkt, td tcb bxtbkt df tcb bstenmtba jdst df tcbwdrl dr nmtbrem`s+ #Zwbmt bquety nmy gb 'ieftba' sughbjt td tcb ieftrbquerbnbkts mka maaetedkm` rbquerbnbkts scdwk gb`dw+% Maaetedkm``y,tcb fd``dweki mpp`y td swbmt bquety8

=+ Dk bxesteki jdkstrujtedk, dk`y tcb rbpmers dr en prdvbnbkts èstbadk tcb mpprmesm` mrb bèieg`b fdr swbmt bquety+ Mky wdrl jdnp`btbadr nmtbrem`s prdveaba gbfdrb tcb mpprmesm` es nmab mrb kdt bèieg`b+Dk prdpdsba jdkstrujtedk, tcb sm`bs jdktrmjt nust ekaejmtb tcbtmsls td gb pbrfdrnba gy tcb cdnbguybr aureki jdkstrujtedk+

7+ Qcb gdrrdwbr)s `mgdr nmy gb jdkseabrba ms tcb bquevm`bkt df jmsc,ef tcb gdrrdwbr jmk abndkstrmtb ces dr cbr mgeèty td jdnp`btb tcbwdrl ek m smtesfmjtdry nmkkbr+ Qcb `bkabr nust adjunbkt tcbjdktregutdry vmùb df tcb `mgdr tcrduic betcbr tcb mpprmesbr)sbstenmtb dr m jdst bstenmteki sbrvejb+

:+ Ab`myba wdrl #dk.setb bsjrdw%, j`bmk up, abgres rbndvm`, mka dtcbr ibkbrm` nmektbkmkjb jmkkdt gb ekjùaba ms swbmt bquety+

1+ Qcbrb jmk gb kd jmsc gmjl td tcb gdrrdwbr ek tcbsb trmksmjtedks+

2+ Zwbmt bquety dk m prdpbrty dtcbr tcmk tcb prdpbrty gbeki purjcmsbaes kdt mjjbptmg`b+ Jdnpbksmtedk fdr wdrl pbrfdrnba dk dtcbr prdpbrtebs nust gb ek jmsc mka gb prdpbr`y adjunbktba+

6+ Bveabkjb df tcb sdurjb df fukas usba td purjcmsb mka tcb nmrlbtvmùb df tcb nmtbrem`s nust gb prdveaba ef tcb gdrrdwbr furkescbstcbsb+

_+ Jdnnessedk frdn Zm`b+ Ef tcb gdrrdwbr es m èjbksba rbm` bstmtb mibktbktet`ba td m rbm` bstmtb jdnnessedk frdn tcb sm`b df tcb prdpbrty gbeki purjcmsba, tcmt mndukt nmy gb usba fdr tcb jmsc ekvbstnbkt wetc kdmahustnbkt td tcb nmxenun ndrtimib rbquerba+ M fmne`y nbngbr bktet`batd tcb jdnnessedk m`sd nmy prdveab ieft fukas td tcb cdnbguybr+

]+ Aesmstbr Wb ebf Irmkts mka @dmks+ Irmkts dr `dmks frdn stmtb mkafbabrm` mibkjebs \b+i+, Fbabrm` Bnbribkjy Nmkmibnbkt Mibkjy #FBNM%^tcmt prdveab ennbaemtb cduseki mssestmkjb td ekaeveaum`s aesp`mjba aub tdkmturm` aesmstbr nmy gb usba fdr tcb gdrrdwbr)s jmsc ekvbstnbkt+ Zbjurba

Djtdgbr 7??: 7.75




1=22+= WBV.2

dr uksbjurba aesmstbr rbèbf `dmks manekestbrba gy tcb Znm`` GusekbssManekestrmtedk #ZGM% m`sd nmy gb usba+ Cdwbvbr, ef tcb ZGM `dmk we`` gb sbjurba mimekst tcb prdpbrty gbeki purjcmsba, et nust gb j`bmr`ysugdraekmtb td tcb FCM.eksurba ndrtimib+ Mky ndktc`y pmynbkt mresekifrdn sujc m `dmk nust gb ekjùaba ek tcb qumèfyeki rmteds+

W+ Jmsc Mjjunu`mtba wetc _revmtb Zmvekis Jùgs+ Zdnb gdrrdwbrs nmyjcddsb td usb kdk.trmaetedkm` nbtcdas df smveki ndkby gy nmlekiabpdsets ektd prevmtb smvekis jùg+ Dftbk, tcbsb prevmtb smvekis jùgs pdd`rbsdurjbs fdr usb mndki tcb nbngbrscep+

Ef m cdnbguybr j`mens tcmt tcb jmsc td j`dsb mk FCM.eksurba ndrtimib esfrdn smvekis cbà wetc m prevmtb smvekis jùg, tcb gdrrdwbr nust gb mg`btd mabqumtb`y adjunbkt tcb mjjunu`mtedk df tcdsb mssbts wetc tcb jùg+Yce`b sujc jùgs mrb kdt supbrvesba gmkleki ekstetutedks, tcb jùgs nust ‚ mt m nekenun‚ cmvb mjjdukt `baibrs, rbjbepts frdn tcb jùg, vbrefejmtedk

frdn tcb jùg trbmsurbr, mka eabktefejmtedk df tcb jùg sd tcmt tcb `bkabr jmkrbvbrefy tcb ekfdrnmtedk prdveaba+ Qcb ukabrwretbr nust gb mg`b tdabtbrnekb tcmt et wms rbmsdkmg`b fdr tcb gdrrdwbr td cmvb smvba tcb ndkbyj`menba mka tcmt tcbrb es kd bveabkjb tcbsb fukas wbrb gdrrdwba wetc mkbxpbjtmtedk df rbpmynbkt+

Djtdgbr 7??: 7.:?




1=22+= WBV.2

ZBJQEDK 18 @EMGE@EQEBZ

7.== QU_BZ DF @EMGE@EQEBZ+ Qcb fd``dweki mrb typbs df èmgeètebs tcmt nust gbjdkseabrba ek qumèfyeki gdrrdwbrs8

M+ Wbjurreki Dgèimtedks+ Qcb gdrrdwbr)s èmgeètebs ekjùab m`` ekstm``nbkt`dmks, rbvd`veki jcmrib mjjdukts, rbm` bstmtb `dmks, mèndky, jceà suppdrt,mka m`` dtcbr jdktekueki dgèimtedks+ Ek jdnputeki tcb abgt.td.ekjdnbrmteds, tcb `bkabr nust ekjùab tcb ndktc`y cduseki bxpbksb mka m`` dtcbr maaetedkm` rbjurreki jcmribs bxtbkaeki tbk ndktcs dr ndrb, ekjùaeki pmynbkts dk ekstm``nbkt mjjdukts, jceà suppdrt dr sbpmrmtb nmektbkmkjb pmynbkts, rbvd`veki mjjdukts mka mèndky, btj+ Abgts `msteki `bss tcmk tbkndktcs nust gb jduktba ef tcb mndukt df tcb abgt mffbjts tcb gdrrdwbr)smgeèty td nmlb tcb ndrtimib pmynbkt aureki tcb ndktcs ennbaemtb`ymftbr `dmk j`dseki< tces es bspbjem``y trub ef tcb gdrrdwbr we`` cmvb ènetbadr kd jmsc mssbts mftbr `dmk j`dseki+

Qcb fd``dweki maaetedkm` ekfdrnmtedk abm`s wetc rbvd`veki mjjdukts mkamèndky pmynbkts8

=+ Wbvd`veki Mjjdukts+ Ef tcb mjjdukt scdwk dk tcb jrbaet rbpdrt cmsmk dutstmkaeki gm`mkjb, ndktc`y pmynbkts fdr qumèfyeki purpdsbsnust gb jm`ju`mtba mt tcb irbmtbr df 2 pbrjbkt df tcb gm`mkjb dr !=?#uk`bss tcb mjjdukt scdws m spbjefej nekenun ndktc`y pmynbkt%+

7+ M endky+ Gbjmusb df tcb tmx jdksbqubkjbs df mèndky pmynbkts,tcb `bkabr nmy jcddsb td trbmt tcb ndktc`y mèndky dgèimtedk ms mrbaujtedk frdn tcb gdrrdwbr)s irdss ekjdnb ek jm`ju`mtekiqumèfyeki rmteds, rmtcbr tcmk ms m ndktc`y dgèimtedk+

G+ Jdktekibkt @emgeètebs+ M jdktekibkt èmgeèty bxests wcbk mk ekaeveaum`we`` gb cbà rbspdkseg`b fdr pmynbkt df m abgt, scduà mkdtcbr pmrty, hdekt`y dr sbvbrm``y dgèimtba, abfmu`t dk tcmt pmynbkt+ Rk`bss tcb gdrrdwbr jmk prdveab jdkjùsevb bveabkjb frdn tcb abgt cdàbr tcmt tcbrbes kd pdssegeèty tcb abgt cdàbr we`` pursub abgt jd``bjtedk mimekst cen dr cbr scduà tcb dtcbr pmrty abfmu`t, tcb fd``dweki ru`bs mpp`y td jdktekibktèmgeètebs8

=+ Ndrtimib Mssunptedks+ Ycbk m gdrrdwbr rbnmeks dgèimtba dk mkdutstmkaeki FCM.eksurba, VM.iumrmktbba, dr jdkvbktedkm`ndrtimib sbjurba gy m prdpbrty tcmt cms gbbk sdà dr trmaba wetcektcb `mst twb`vb ndktcs wetcdut m rb`bmsb df èmgeèty, dr es td gb sdàdk mssunptedk wetcdut m rb`bmsb df èmgeèty gbeki dgtmekba,jdktekibkt èmgeèty nust gb jdkseabrba uk`bss8

Djtdgbr 7??: 7.:=




1=22+= WBV.2

m+ Qcb dreiekmteki bkabr df tcb ndrtimib gbeki ukabrwrettbkdgtmeks frdn tcb sbrvejbr df tcb mssunba `dmk m pmynbktcestdry scdweki tcmt ndrtimib cms gbbk jurrbkt aureki tcb prbvedus =7 ndktcs< dr

g+ Mk mpprmesm` dr j`dseki stmtbnbkt frdn tcb sm`b df tcb prdpbrty suppdrts m vmùb tcmt rbsu`ts ek m 92 pbrjbkt @QVrmted \e+b+, tcb dutstmkaeki gm`mkjb dk tcb ndrtimib `dmk#nekus mky RFNE_, ef mppèjmg`b% jmkkdt bxjbba 92 pbrjbktdf tcb mpprmesba vmùb dr sm`bs prejb^+

7+ Jd.Zeikba Dgèimtedks+ Ef tcb ekaeveaum` mpp`yeki fdr mk FCM.eksurba ndrtimib es m jd.seikbr‚dr es dtcbrwesb jd.dgèimtba dk mjmr `dmk, stuabkt `dmk, ndrtimib, dr mky dtcbr dgèimtedk ‚ jdktekibkt èmgeèty mppèbs uk`bss tcb `bkabr dgtmeks adjunbktba prddf tcmt tcb prenmry dgèidr cms gbbk nmleki pmynbkts aureki

tcb prbvedus =7 ndktcs dk m rbiu`mr gmses mka adbs kdt cmvb mcestdry df abèkqubkt pmynbkts dk tcb `dmk+

J+ _rdhbjtba Dgèimtedks+ Ef m abgt pmynbkt, sujc ms m stuabkt `dmk, essjcbau`ba td gbiek wetcek twb`vb ndktcs df tcb ndrtimib `dmk j`dseki, tcb`bkabr nust ekjùab tcb mktejepmtba ndktc`y dgèimtedk ek tcb ukabrwretekimkm`yses, uk`bss tcb gdrrdwbr prdveabs wrettbk bveabkjb tcmt tcb abgt we`` gb abfbrrba td m pbreda dutseab tces tenbfrmnb+ Zene`mr`y, gm``ddk kdtbstcmt jdnb aub wetcek dkb ybmr df `dmk j`dseki nust gb jdkseabrba ek tcbukabrwreteki mkm`yses+

A+ Dgèimtedks Kdt Jdkseabrba Abgt+ Dgèimtedks kdt td gb jdkseabrba abgt#dr sugtrmjtba frdn irdss ekjdnb% ekjùab fbabrm`, stmtb, mka `djm` tmxbs<FEJM dr dtcbr rbterbnbkt jdktregutedks sujc ms 1?=#l% mjjdukts #ekjùaekirbpmynbkt df abgt sbjurba gy tcbsb fukas%< jdnnuteki jdsts< ukedk aubs<dpbk mjjdukts wetc zbrd gm`mkjbs< mutdnmtej abaujtedks td smvekismjjdukts< jceà jmrb< mka vdùktmry abaujtedks+

Djtdgbr 7??: 7.:7




1=22+= WBV.2

ZBJQEDK 28 GDWWDYBW ]RM@EFUEKI

Qcb pmrmirmpcs gb`dw aesjuss abgt.td.ekjdnb rmteds mka tcb jdnpbksmteki fmjtdrs tcmtnmy gb usba td bxjbba tcb qumèfyeki rmteds+ Ms bveabkjba gy tcb absjreptedk df jdnpbksmteki fmjtdrs, rmteds jmk gb bxjbbaba wcbk seikefejmkt jdnpbksmteki fmjtdrs

bxest+ Yb m`sd ad kdt sbt mk mrgetrmry pbrjbktmib tcmt rmteds nmy kbvbr bxjbba< cdwbvbr,tcb ukabrwretbr scduà huaib tcb dvbrm`` nbrets df tcb `dmk mppèjmtedk mka abtbrnekbwcmt jdnpbksmteki fmjtdrs mpp`y mka tcb bxtbkt td wcejc rmteds nmy gb bxjbbaba+

Rkabrwreteki rbquerbs jmrbfu` mkm`yses df tcb nmky mspbjts df tcb ndrtimib+ Bmjc `dmk esm sbpmrmtb mka ukequb trmksmjtedk, mka tcbrb nmy gb dtcbr fmjtdrs tcmt abndkstrmtb tcb gdrrdwbrs) mgeèty mka we`èkikbss td nmlb tenb`y ndrtimib pmynbkts+ Qcbrb es m amkibr df '`mybreki f`bxegeètebs' ek mssbsseki ndrtimib eksurmkjb resl, mka senp`y bstmgèscekitcmt m `dmk trmksmjtedk nbbts nekenm` stmkamras adbs kdt kbjbssmre`y jdkstetutb pruabktukabrwreteki+ Qcb `bkabr es rbspdkseg`b fdr mabqumtb`y mkm`yzeki tcb prdgmgeèty tcmt tcb gdrrdwbr we`` gb mg`b td rbpmy tcb ndrtimib dgèimtedk ek mjjdramkjb wetc tcb tbrns df

tcb `dmk+

7.=7 ABGQ.QD.EKJDNB WMQEDZ+ Wmteds mrb usba td abtbrnekb wcbtcbr tcb gdrrdwbr jmk rbmsdkmg`y gb bxpbjtba td nbbt tcb bxpbksbs ekvd`vba ekcdnbdwkbrscep, mka dtcbrwesb prdveab fdr tcb fmne`y+ Qcb `bkabr nust jdnputbtwd rmteds8

M+ Ndrtimib _mynbkt Bxpbksb td Bffbjtevb Ekjdnb+ Ef tcb tdtm` ndrtimib pmynbkt #prekjepm` mka ektbrbst< bsjrdw abpdsets fdr rbm` bstmtb tmxbs,cmzmra eksurmkjb, tcb ndrtimib eksurmkjb prbneun, cdnbdwkbrs)mssdjemtedk aubs, irduka rbkt, spbjem` mssbssnbkts, mka pmynbkts fdr mkymjjbptmg`b sbjdkamry fekmkjeki% adbs kdt bxjbba 75 pbrjbkt df tcb irdss

bffbjtevb ekjdnb, tcb rb`mtedkscep df tcb ndrtimib pmynbkt td ekjdnb esjdkseabrba mjjbptmg`b+ M rmted bxjbbaeki 75 pbrjbkt nmy gb mjjbptmg`bdk`y ef seikefejmkt jdnpbksmteki fmjtdrs ms aesjussba ek pmrmirmpc 7.=: mrbadjunbktba mka mrb rbjdraba dk tcb ndrtimib jrbaet mkm`yses wdrlscbbt+Qypejm``y, fdr gdrrdwbrs wetc ènetba rbjurreki bxpbksb, irbmtbr `mtetuab es pbrnesseg`b dk tces rmted tcmk dk tcb tdtm` fexba pmynbkt rmted absjregba gb`dw+

G+ Qdtm` Fexba _mynbkt td Bffbjtevb Ekjdnb+ Ef tcb tdtm` df tcb ndrtimib pmynbkt mka m`` rbjurreki jcmribs adbs kdt bxjbba 1= pbrjbkt df tcb irdss

bffbjtevb ekjdnb, tcb rb`mtedkscep df tdtm` dgèimtedks td ekjdnb esjdkseabrba mjjbptmg`b+ M rmted bxjbbaeki 1= pbrjbkt nmy gb mjjbptmg`bdk`y ef seikefejmkt jdnpbksmteki fmjtdrs ms aesjussba ek pmrmirmpc 7.=: mrbadjunbktba mka mrb rbjdraba dk tcb ndrtimib jrbaet mkm`yses wdrlscbbt+

7.=: JDN_BKZMQEKI FMJQDWZ+ Jdnpbksmteki fmjtdrs tcmt nmy gb usba td hustefy mpprdvm` df ndrtimib `dmks wetc rmteds bxjbbaeki dur gbkjcnmrl iueabèkbs mrb tcdsb èstba gb`dw+ Rkabrwretbrs nust rbjdra dk tcb 'rbnmrls'

Djtdgbr 7??: 7.::




1=22+= WBV.2

sbjtedk df tcb CRA 575??.YZ$CRA 575??._RW tcb jdnpbksmteki fmjtdr#s% usbatd suppdrt `dmk mpprdvm + Mky jdnpbksmteki fmjtdr usba td hustefy ndrtimibmpprdvm` nust gb suppdrtba gy adjunbktmtedk+

M+ Qcb gdrrdwbr cms sujjbssfu``y abndkstrmtba tcb mgeèty td pmy cduseki

bxpbksbs bqum` td dr irbmtbr tcmk tcb prdpdsba ndktc`y cduseki bxpbksbfdr tcb kbw ndrtimib dvbr tcb pmst =7.71 ndktcs+

G+ Qcb gdrrdwbr nmlbs m `mrib adwkpmynbkt #tbk pbrjbkt dr ndrb% tdwmratcb purjcmsb df tcb prdpbrty+

J+ Qcb gdrrdwbr cms abndkstrmtba mk mgeèty td mjjunu`mtb smvekis mka mjdksbrvmtevb mttetuab tdwmra tcb usb df jrbaet+

A+ _rbvedus jrbaet cestdry scdws tcmt tcb gdrrdwbr cms tcb mgeèty td abvdtb mirbmtbr pdrtedk df ekjdnb td cduseki bxpbksbs+

B+ Qcb gdrrdwbr rbjbevbs adjunbktba jdnpbksmtedk dr ekjdnb kdt rbf`bjtbaek bffbjtevb ekjdnb, gut aerbjt`y mffbjteki tcb mgeèty td pmy tcb ndrtimib,ekjùaeki fdda stmnps mka sene`mr pugèj gbkbfets+

F+ Qcbrb es dk`y m nekenm` ekjrbmsb ek tcb gdrrdwbr)s cduseki bxpbksb+

I+ Qcb gdrrdwbr cms sugstmktem` adjunbktba jmsc rbsbrvbs #mt `bmst tcrbbndktcs― wdrtc% mftbr j`dseki+ Ek abtbrnekeki ef mk mssbt jmk gb ekjùaba msjmsc rbsbrvbs dr jmsc td j`dsb, tcb `bkabr nust huaib wcbtcbr dr kdt tcbmssbt es èquea dr rbmae`y jdkvbrteg`b td jmsc mka jmk gb adkb sd mgsbktrbterbnbkt dr hdg tbrnekmtedk+ M`sd sbb pmrmirmpc 7.=?L+

Fukas gdrrdwba mimekst tcbsb mjjdukts nmy gb usba fdr `dmk j`dseki, gutmrb kdt td gb jdkseabrba ms jmsc rbsbrvbs+ ‐Mssbts„ sujc ms bquety ek dtcbr prdpbrtebs mka tcb prdjbbas frdn m jmsc.dut rbfekmkjb mrb kdt td gbjdkseabrba ms jmsc rbsbrvbs+ Zene`mr`y, fukas frdn iefts frdn mky sdurjbmrb kdt td gb ekjùaba ms jmsc rbsbrvbs+

C+ Qcb gdrrdwbr cms sugstmktem` kdk.tmxmg`b ekjdnb #ef kd mahustnbkt wmsnmab prbvedus`y ek tcb rmted jdnputmtedks%+

E+ Qcb gdrrdwbr cms m pdtbktem` fdr ekjrbmsba bmrkekis, ms ekaejmtba gy hdgtrmekeki dr baujmtedk ek tcb gdrrdwbr)s prdfbssedk+

H+ Qcb cdnb es gbeki purjcmsba ms m rbsu`t df rb`djmtedk df tcb prenmry wmib.bmrkbr, mka tcb sbjdkamry wmib.bmrkbr cms mk bstmgèscba cestdry df bnp`dynbkt, es bxpbjtba td rbturk td wdrl, mka rbmsdkmg`b prdspbjts bxestfdr sbjureki bnp`dynbkt ek m sene`mr djjupmtedk ek tcb kbw mrbm+ Qcbukabrwretbr nust adjunbkt tcb mvme`mgeèty df sujc pdsseg`b bnp`dynbkt+

Djtdgbr 7??: 7.:1




1=22+= WBV.2

NDWQIMIB JWBAEQ MKM@UZEZ

ZBJQEDK 68 Z_BJEM@ RKABWYWEQEKI EKZQWRJQEDKZ

7.=1 Qbnpdrmry Ektbrbst Wmtb Guyadwks+ Ektbrbst rmtb guyadwks mrb abseikba td

rbaujb tcb gdrrdwbr―s ndktc`y pmynbkt aureki tcb bmr`y ybmrs df tcb ndrtimibmka mrb pbrnettba dk`y dk purjcmsb trmksmjtedks+ Guyadwks nmy dk`y gb usba dkfexba.rmtb ndrtimibs+

Guyadwk fukas nmy jdnb frdn tcb sb``br, `bkabr, gdrrdwbr dr dtcbr pmrty+ Fukasfrdn tcb sb``br dr mky dtcbr ektbrbstba tcera pmrty mrb jdkseabrba sb``br jdktregutedks mka nust gb ekjùaba ek tcb sex pbrjbkt ènet dk sb``br jdktregutedks#sbb pmrmirmpc =.9M%+ @bkabrs nust bksurb tcmt tcb fukas absjregba ek tcb bsjrdwmirbbnbkt cmvb gbbk p`mjba ek bsjrdw gbfdrb dr mt j`dseki mka tcmt tcb mirbbnbktnbbts tcb rbquerbnbkts absjregba gb`dw+

Guyadwks dk bèieg`b `dmks kdt nbbteki m`` tcb jretbrem absjregba ek pmrmirmpc M, gb`dw, nmy gb jdkseabrba dk`y ms jdnpbksmteki fmjtdrs+ Cdwbvbr, m`` guyadwksnust jdnp`y wetc tcb bsjrdw mirbbnbkt rbquerbnbkts ek pmrmirmpc G, gb`dw+

M+ Rkabrwreteki Wbquerbnbkts fdr ]umèfyeki Gdrrdwbrs mt tcb GuyadwkEktbrbst Wmtb+

=+ Qcb ndrtimib nust gb m fexba rmtb `dmk dk mk dwkbr djjupeba prekjepm` rbseabkjb+

7+ Qcb guyadwk nust kdt rbsu`t ek m rbaujtedk df ndrb tcmk twd pbrjbktmib pdekts gb`dw tcb ektbrbst rmtb dk tcb kdtb+

:+ Qcb guyadwk nust kdt rbsu`t ek ndrb tcmk m dkb.pbrjbktmib pdektmkkum` abjrbmsb ek tcb ektbrbst rmtb+ Qcb gdrrdwbr―s pmynbkt nmyjcmkib dk`y dkjb m ybmr+

G+ Maaetedkm` Ektbrbst Wmtb Guyadwk Ekstrujtedks+

=+ @bkabr.fukaba guyadwks dk fexba.rmtb purjcmsb ndkby ndrtimibstcrduic prbneun prejeki mrb mjjbptmg`b prdveaba tcmt tcb fukasibkbrmtba ad kdt rbsu`t ek m rbaujtedk df ndrb tcmk 7 pbrjbktmib pdekts gb`dw tcb kdtb rmtb+

7+ Qcb `bkabr nust bstmgèsc tcmt tcb bvbktum` ekjrbmsb ek ndrtimib pmynbkts we`` kdt mffbjt tcb gdrrdwbr mavbrsb`y mka èlb`y `bma tdabfmu`t+ Qcb ukabrwretbr nust adjunbkt tcmt tcb gdrrdwbr nbbtsdkb df tcb fd``dweki jretbrem8

Djtdgbr 7??: 7.:2




1=22+= WBV.2

m+ Qcb gdrrdwbr cms m pdtbktem` fdr ekjrbmsba ekjdnb tcmtwduà dffsbt tcb sjcbau`ba pmynbkt ekjrbmsbs, ms ekaejmtba gy hdg trmekeki dr baujmtedk ek tcb gdrrdwbr)s prdfbssedk dr gy m cestdry df mavmkjbnbkt ek tcb gdrrdwbr)s jmrbbr wetcmttbkamkt ekjrbmsbs ek bmrkekis+

g+ Qcb gdrrdwbr cms m abndkstrmtba mgeèty td nmkmibfekmkjem` dgèimtedks ek sujc m wmy tcmt m irbmtbr pdrtedk df ekjdnb nmy gb abvdtba td cduseki bxpbksbs+ Qces jretbredkm`sd nmy ekjùab gdrrdwbrs wcdsb `dki.tbrn abgt, ef mky,we`` kdt bxtbka gbydka tcb tbrn df tcb guyadwk mirbbnbkt+

j+ Qcb gdrrdwbr cms sugstmktem` mssbts mvme`mg`b td juscedk tcbbffbjt df tcb ekjrbmsba pmynbkts+

a+ Qcb jmsc ekvbstnbkt nmab gy tcb gdrrdwbr sugstmktem``y

bxjbbas tcb nekenun rbquerba+

:+ Bsjrdw Mirbbnbkt Wbquerbnbkts+ M jdpy df tcb bsjrdwmirbbnbkt, seikba gy tcb gdrrdwbr mka tcb prdveabr df fukas, nustmjjdnpmky tcb `dmk mppèjmtedk+ #Qcb ukabrwretbr nmy jdkaetedktcb `dmk mpprdvm` fdr mk bxbjutba guyadwk mirbbnbkt mt j`dseki+%

Qcb fd``dweki mrb rbquerbnbkts fdr tcb bsjrdw mirbbnbkt8

m+ Qcb mirbbnbkt nust prdveab tcmt mky bsjrdw fukas kdtaestregutba mt tcb tenb tcb ndrtimib `dmk es prbpmea gbmppèba td tcb dutstmkaeki gm`mkjb aub dk tcb ndrtimib+Cdwbvbr, ek tcb bvbkt df fdrbj`dsurb, tcb j`men fdr ndrtimib eksurmkjb gbkbfets nust gb rbaujba gy tcbmndukt rbnmekeki ek tcb guyadwk bsjrdw mjjdukt+

g+ Qcb mirbbnbkt nust kdt pbrnet rbvbrsedk df ukaestregutbabsjrdw fukas td tcb prdveabr ef tcb prdpbrty es sdà dr tcbndrtimib es prbpmea ek fu``+ Qcb mirbbnbkt nmy prdveabtcmt mssestmkjb pmynbkts jdktekub td guybrs wcd mssunbtcb ndrtimib+ Rk`bss tcb gdrrdwbr bstmgèscbs tcb bsjrdwmjjdukt, ukbxpbkaba bsjrdw fukas nmy kdt gb prdveaba tdtcb gdrrdwbr ek jmsc+

j+ Qcb bsjrdw fukas nust gb cbà ek mk bsjrdw mjjdukt gy mfekmkjem` ekstetutedk supbrvesba gy m fbabrm` dr stmtb mibkjy+_mynbkts nust gb nmab gy tcb bsjrdw mibkt td tcb `bkabr dr ets sbrvejeki mibkt+ Cdwbvbr, ef tcb bsjrdw pmynbkts mrbkdt rbjbevba fdr mky rbmsdk, et es tcb gdrrdwbr)srbspdksegeèty td nmlb tcb tdtm` pmynbkt sbt fdrtc ek tcb

Djtdgbr 7??: 7.:6




1=22+= WBV.2

ndrtimib kdtb+ FCM cms kd dghbjtedk td tcb bkabr cdàekimka manekestbreki tcb bsjrdw fukas fdr up td 6? amys wcbktcbrb es mk dutstmkaeki fdrwmra jdnnetnbkt td sb`` tcbndrtimib+

7.=2 MAHRZQMG@B WMQB NDWQIMIBZ #MWNs%+ Gdrrdwbrs nust qumèfy fdr dkb.ybmr MWNs useki tcb ndrtimib pmynbkts gmsba updk tcb jdktrmjt dr eketemèktbrbst rmtb pùs = pbrjbktmib pdekt #e+b+, tcb mktejepmtba nmxenun sbjdka.ybmr ektbrbst rmtb% ef tcb `dmk.td.vmùb rmted es 52 pbrjbkt dr irbmtbr+

7.=6 JDKADNEKERN RKEQZ‚RQE@EQU BS_BKZBZ+ Yetc prdpbr adjunbktmtedk, sujc ms tcmt wcejc es mvme`mg`b frdn tcb uteèty jdnpmky, tcb pdrtedk df m jdkadnekeun fbb tcmt es j`bmr`y mttregutmg`b td uteètebs nmy gbsugtrmjtba frdn tcb Cdnbdwkbrs Mssdjemtedk #CDM% aubs gbfdrb jdnputekirmteds+

7.=9 JDKZQWRJQEDK‚_BWNMKBKQ NDWQIMIB _WDIWMN+ Mjdkstrujtedk.pbrnmkbkt ndrtimib jdngekbs tcb fbmturbs df m jdkstrujtedk `dmk, mscdrt.tbrn ektbren `dmk fdr fekmkjeki tcb jdst df jdkstrujtedk, mka tcb trmaetedkm``dki.tbrn pbrnmkbkt rbseabktem` ndrtimib+ Fdr ndrtimib eksurmkjb mka @QV purpdsbs, wb jdkseabr et td gb m purjcmsb trmksmjtedk+ Qcb ndrtimib `bkabr nmlbstcb `dmk aerbjt`y td mk mpprdvba gdrrdwbr$cdnbguybr+ Qcbrb es dkb j`dseki tcmtdjjurs predr td tcb stmrt df jdkstrujtedk+ Mt j`dseki, fukas mrb aesgursba td jdvbr purjcmsb df tcb `mka, wetc tcb gm`mkjb df tcb ndrtimib prdjbbas p`mjba ek mkbsjrdw mjjdukt td gb aesgursba ms jdkstrujtedk prdirbssbs+ Qcb `dmk es eksurba mftbr jdkstrujtedk es jdnp`btb+

_rdirmn Ekfdrnmtedk+

M+ Aesgursbnbkt df Fukas+ Et es tcb `bkabr)s rbspdksegeèty td dgtmek wrettbkmpprdvm` frdn tcb gdrrdwbr gbfdrb bmjc armw pmynbkt es prdveaba td tcb gueàbr+

G+ Jdkstrujtedk _breda Fbbs+ Rk`bss m sbpmrmtb mirbbnbkt cms gbbk nmabspbjefyeki rbspdksegeèty, jdkstrujtedk `dmk ektbrbst, jdnnetnbkt fbbs,ekspbjtedk fbbs, tet`b upamtb jcmribs, rbm` bstmtb tmxbs, cmzmra eksurmkjb,mka dtcbr fekmkjeki jcmribs ekjurrba aureki tcb jdkstrujtedk pbreda mrb td gb pmea gy tcb gueàbr+

J+ Ektbrbst Wmtb+ Qcb pbrnmkbkt ndrtimib `dmk ektbrbst es bstmgèscba mtj`dseki+ Cdwbvbr, m `bkabr nmy dffbr m 'jbeèki$f ddr,' wcbrbgy tcb gdrrdwbr nmy 'f`dmt' tcb ektbrbst rmtb aureki jdkstrujtedk+ Qcb mirbbnbktnust prdveab tcmt, mt tcb pdekt df ektbrbst rmtb `djl.ek, tcb pbrnmkbktndrtimib we`` kdt bxjbba m spbjefej nmxenun ektbrbst rmtb gmsba dknmrlbt fùjtumtedks, ms wb`` ms pbrnet tcb gdrrdwbr td `djl.ek mt m `dwbr rmtb abpbkaeki dk tcb nmrlbt+ Qcb gdrrdwbr nust qumèfy fdr tcb

Djtdgbr 7??: 7.:9




1=22+= WBV.2

ndrtimib mt tcb nmxenun rmtb mt wcejc tcb pbrnmkbkt ndrtimib nmy gbsbt+

A+ Aesj`dsurb+ Qcb `bkabr nust prdveab m aesj`dsurb td tcb gdrrdwbr bxp`mekekitcmt tcb `dmk es kdt bèieg`b fdr FCM ndrtimib eksurmkjb ukte` mftbr betcbr m

fekm` ekspbjtedk dr essumkjb df m jbrtefejmtb df djjupmkjy gy tcb `djmìdvbrknbktm` huresaejtedk #wcejcbvbr es `mtbr%, mka tcmt FCM cms kddgèimtedk ukte` tcb ndrtimib es bkadrsba fdr eksurmkjb+

B+ Mndrtezmtedk+ Mndrtezmtedk nust gbiek kd `mtbr tcmk tcb ferst df tcb ndktcfd``dweki 6? amys frdn tcb amtb df betcbr tcb fekm` ekspbjtedk dr essumkjbdf jbrtefejmtb df djjupmkjy, wcejcbvbr es `mtbr+

F+ Bkadrsbnbkt+ Qcb `bkabr nust sugnet m rbqubst fdr bkadrsbnbkt mftbr fekmèkspbjtedk dr essumkjb df jbrtefejmtb df djjupmkjy #gut wetcek 6? amys df tcb amtb tcb `mttbr df tcbsb bvbkts djjur%+ Aureki jdkstrujtedk, tcb `dmk es

kdt FCM.eksurba+

I+ Wbnetteki RFNE_+ FCM nust rbjbevb tcb RFNE_ wetcek =2 amys df j`dsekidr dtcbr tenb pbreda ms nmy gb prbsjregba gy FCM+

C+ Nmxenun Ndrtimib Mndukt+ Qcb nmxenun ndrtimib mndukt esabtbrnekba gy mpp`yeki @QV ènets td tcb `bssbr df tcb mpprmesba vmùb dr tcb mjquesetedk jdst+ Qcb mjquesetedk jdst ekjùabs tcb jdktrmjtdr)s prejb td gueà, jdst df tcb `mka, mka m``dwmg`b j`dseki jdsts+ #Ef tcb `mka cms gbbkdwkba ndrb tcmk sex ndktcs dr wms rbjbevba ms mk mjjbptmg`b ieft, tcbvmùb df tcb `mka nmy gb usba ekstbma df ets jdst+%

E+ Bquety ek tcb @mka+ Bquety ek tcb `mka nmy gb usba fdr tcb gdrrdwbr)s jmscekvbstnbkt+ Cdwbvbr, ef tcb mavmkjbnbkt df tcb pbrnmkbkt dmk rbsu`ts ektcb gdrrdwbr rbjbeveki jmsc dut ek bxjbss df !72?, tcb nmxenun @QV esènetba td 32 pbrjbkt+ Ef tcb jdktrmjtdr df tcb enprdvbnbkts es m`sd tcb

sb``br df tcb `mka, tcb tdtm` mjquesetedk jdst fdr nmxenun ndrtimib

purpdsbs es tcb purjcmsb prejb td tcb gdrrdwbr +

H+ Dtcbr Rkabrwreteki Jdkseabrmtedks+ Qcb fd``dweki jretbrem nust gb nbt fdr m `dmk td gb jdkseabrba m jdkstrujtedk$pbrnmkbkt `dmk mka td gb bèieg`bfdr FCM ndrtimib eksurmkjb8

Qcb gdrrdwbr nust dwk dr gb purjcmseki tcb `dt #dr, ef dwkba gy tcbjdktrmjtdr, tcb `dt nust gb ekjùaba ek tcb tdtm` jdktrmjt prejb%+

#=% Qcb gdrrdwbr nust cmvb sbjurba dr we`` sbjurb tcb `dmk ek ces dr cbr dwk kmnb+

Djtdgbr 7??: 7.:3




1=22+= WBV.2

#7% Qcb gdrrdwbr cms jdktrmjtba wetc m gueàbr td jdkstrujt tcbenprdvbnbkt+ #Qces prdirmn es kdt mvme`mg`b td m gdrrdwbr mjtekims ces dr cbr dwk ibkbrm` jdktrmjtdr, uk`bss tcb gdrrdwbr es mèjbksba gueàbr gy prdfbssedk+ Ek tces jmsb, tcb mjquesetedk jdstnust gb abtbrnekba gy tcb mjtum` adjunbktba jdst td jdkstrujt tcb

enprdvbnbkts+%

#:% Qcb gm`mkjb dk tcb `dmk, wcbk et es fu``y armwk, nust gb vbrefeba+Qcb jdkstrujtedk bsjrdw mjjdukt, ef dkb wms bstmgèscba, nust gbfu``y bxtekiuescba< mky rbnmekeki fukas nust gb mppèba td tcbdutstmkaeki gm`mkjb df tcb pbrnmkbkt `dmk+

#1% Ef tcb gdrrdwbr purjcmsba tcb `dt wetcek tcb pmst 6 ndktcs, cb dr scb nust prdveab m jdpy df tcb CRA.= dr dtcbr sbtt`bnbktstmtbnbkt scdweki tcb mjquesetedk jdst+ Ef tcb gdrrdwbr dwks tcb`dt frbb.mka.j`bmr, tcb gdrrdwbr nust prdveab m jdpy df tcb

Ymrrmkty Abba scdweki kd vbkadr)s èbk, m jdpy df tcb rb`bmsb df èbk, dr m jdpy df tcb CRA.= dr dtcbr sbtt`bnbkt stmtbnbkt scdwekidwkbrscep+

#2% Ef tcb eketem` armw dk tcb `dmk wms fdr tcb purpdsb df pmyeki dff tcb`dt, m stmtbnbkt vbrefyeki tcb mndukt nust gb prdveaba+

#6% Qcb gdrrdwbr nust prdveab m jdpy df tcb fu``y bxbjutba sm`bsmirbbnbkt, wcejc ekjùabs tcb jdktrmjtdr)s prejb td gueà+ #MNbjcmkej)s mka Nmtbrem` nmk―s èbk es kdt suffejebkt+%

#9% Ef tcb gdrrdwbr es ekjùaeki bxtrms dvbr mka mgdvb tcb jdktrmjtspbjefejmtedk mka$dr es pmyeki dut.df.pdjlbt jdsts dvbr mka mgdvbtcb ektbren `dmk, tcb gdrrdwbr nust prdveab m grbmladwk df tcbbxtrms mka tcb jdst df bmjc mka jmkjb`ba jcbjls mka pmea rbjbeptsfdr m`` dut.df.pdjlbt jdkstrujtedk jdsts+

L+ Adjunbktmtedk Wbquerbnbkts+ Qcb `dmk es td gb j`dsba useki stmkamra FCMadjunbktmtedk, wetc tcb maaetedk df m Jdkstrujtedk Weabr td tcb Kdtb mka mJdkstrujtedk @dmk Mirbbnbkt+ Qcbsb jdkstrujtedk adjunbkts nmy gb ekmky fdrn mjjbptmg`b td tcb `bkabr, gut tcby nust prdveab tcmt m`` spbjem`jdkstrujtedk tbrns bka wcbk tcb jdkstrujtedk `dmk jdkvbrts td m pbrnmkbkt`dmk+ Mftbr jdkvbrsedk, dk`y tcb pbrnmkbkt `dmk tbrns #useki stmkamraadjunbkts% jdktekub td gb bffbjtevb, tcus nmleki tcb pbrnmkbkt `dmkbèieg`b fdr FCM ndrtimib eksurmkjb+

_redr td bkadrsbnbkt, tcb AB ukabrwretbr nust gb prdveaba wetc tcbfd``dweki8

Djtdgbr 7??: 7.:5




1=22+= WBV.2

=+ Jbrtefejmtedk, seikba gy tcb gdrrdwbr mftbr jdkvbrsedk td tcb pbrnmkbkt `dmk, tcmt tcb ndrtimiba prdpbrty es frbb.mka.j`bmr df m``èbks dtcbr tcmk tcb ndrtimib+

7+ Vbrefejmtedk tcmt tcb jdkstrujtedk dmk cms gbbk fu``y armwk

adwk+

:+ Jdpebs df jmkjb`ba jcbjls mka pmea rbjbepts fdr m`` tcb gdrrdwbr)s dut.df.pdjlbt jdkstrujtedk jdsts+

7.=3 NDWQIMIB EKZRWMKJB FDW AEZMZQBW VEJQENZ \Zbjtedk 7?:#c%^+

FCM prdveabs ndrtimib eksurmkjb td mssest vejtens df _rbseabktem``y.abj`mrbaaesmstbrs+ Rkabr tces prdirmn, ekaeveaum`s dr fmneèbs wcdsb rbseabkjbs wbrbabstrdyba dr amnmiba td sujc mk bxtbkt tcmt rbjdkstrujtedk dr rbpmer es kbjbssmrymrb bèieg`b fdr =?? pbrjbkt fekmkjeki fdr tcb purjcmsb df m cdnb+ Qcb Fbabrm`Bnbribkjy Nmkmibnbkt Mibkjy #FBNM% prdveabs èstekis df tcb spbjefej

mffbjtba jduktebs mka jetebs mka jdrrbspdkaeki abj`mrmtedk amtbs+ Qcesekfdrnmtedk jmk gb fduka dk tcb Ektbrkbt mt cttp8$$www+fbnm+idv$aesmstbrs+

Qcb prdjbaurbs absjregba mrb ek bffbjt wcbkbvbr m aesmstbr es abj`mrba gy tcb_rbseabkt mka rbnmek ek bffbjt fdr dkb ybmr frdn tcb amtb df tcb _rbseabkt)sabj`mrmtedk+

M+ _rdirmn mka Rkabrwreteki Wbquerbnbkts+

Qcb gdrrdwbr)s prbvedus rbseabkjb nust cmvb gbbk ek tcb aesmstbr mrbm mkanust cmvb gbbk abstrdyba dr amnmiba td sujc mk bxtbkt tcmtrbjdkstrujtedk dr rbp`mjbnbkt es kbjbssmry+ Qcb gdrrdwbr nust prdveabjdkjùsevb bveabkjb df tces fmjt+ Adjunbktmtedk scdweki m pbrnmkbktrbseabkjb ek tcb mffbjtba mrbm gbfdrb tcb aesmstbr ekjùabs m vmèa arevbr)sèjbksb, m vdtbr rbiestrmtedk jmra, uteèty ge``s, btj+ Adjunbktmtedkrbimraeki abstrujtedk df tcb rbseabkjb ekjùabs mk eksurmkjb rbpdrt, mkekspbjtedk rbpdrt gy mk ekabpbkabkt fbb ekspbjtdr dr idvbrknbkt mibkjy,dr jdkjùsevb pcdtdirmpcej bveabkjb scdweki tcb abstrujtedk dr amnmib+Qcb gdrrdwbr nmy cmvb gbbk tcb dwkbr df tcb prdpbrty dr m rbktbr df tcb prdpbrty mffbjtba+

Qcb gdrrdwbr es bèieg`b fdr =?? pbrjbkt fekmkjeki df tcb sm`bs prejb mka kdadwk pmynbkt es rbquerba+ #Cdwbvbr, j`dseki jdsts mka prbpmea bxpbksbskdt pmea gy tcb sb``br nust gb pmea gy tcb gdrrdwbr ek jmsc dr pmea tcrduic prbneun prejeki+%Nmxenun ndrtimib mndukts mrb tcb smnb ms fdr Zbjtedk 7?:#g%$7?:#c%+M èst jmk gb mjjbssba frdn tcb `bkabr Ybg pmib dk CRA―s Ybgsetb mtwww+cua+idv dr dk FCM Jdkkbjtedk mt cttps8$$bktp+cua+idv$j`ms$+

Djtdgbr 7??: 7.1?




1=22+= WBV.2

Qcb prdirmn es ènetba td dkb.uket abtmjcba cdnbs dr ukets ek mk mpprdvbajdkadnekeun prdhbjt+ 'Zpdt ukets' ek jdkadnekeuns mrb bèieg`b m`sd+Qwd., tcrbb., mka fdur.uket prdpbrtebs nmy kdt gb purjcmsba ukabr tcbZbjtedk 7?:#c% prdirmn+

Qcb gdrrdwbr)s ndrtimib `dmk mppèjmtedk nust gb sugnettba td tcb `bkabr wetcek dkb ybmr df tcb _rbseabkt)s abj`mrmtedk df tcb aesmstbr+

MWNZ nmy gb usba wetc tcb Zbjtedk 7?:#c% prdirmn+

G+ Rseki Zbjtedk 7?:#l% wetc 7?:#c% fdr Wbcmgeètmtedk Ndrtimibs+ Qcbrbquerbnbkt fdr m awb`èki td gb jdnp`btba ndrb tcmk dkb ybmr prbjbaekitcb amtb df tcb mppèjmtedk fdr ndrtimib eksurmkjb ukabr Zbjtedk 7?:#l%adbs kdt mpp`y td prdpbrtebs ek tcb aesmstbr mrbm+ Amnmiba rbseabkjbs mrbbèieg`b fdr Zbjtedk 7?:#l% ndrtimib eksurmkjb rbimra`bss df tcb mib df tcb prdpbrty+ Qcb rbseabkjb kbbas dk`y td cmvb gbbk jdnp`btba mka rbmay fdr

djjupmkjy fdr bèiege ety ukabr Zbjtedk 7?:#l%+ Qcb pbrjbktmib df fekmkjeki es abtbrnekba gy tcb typb df ndrtimib gbeki nmab #e+b+, kdrnm`@QV rmteds mpp`y td Zbjtedk 7?:#l% ndrtimibs nmab ek tcbsb mrbms%+

Cdnbs tcmt cmvb gbbk abndèscba, dr we`` gb rmzba ms pmrt df tcbrbcmgeètmtedk wdrl, mrb bèieg`b prdveaba tcb bxesteki fdukamtedk systbn eskdt mffbjtba mka ste`` we`` gb usba+ Qcb jdnp`btb fdukamtedk systbn nustrbnmek ek p`mjb+

7.=5 BKBWIU.BFFEJEBKQ CDNBZ #BBC%+ Qcb gbkjcnmrl qumèfyeki rmteds nmy gdtc gb bxjbbaba gy up td 7 pbrjbktmib pdekts wcbk tcb gdrrdwbr es purjcmseki dr rbfekmkjeki mk BBC+ Qcbsb ceicbr cduseki bxpbksb. mka dgèimtedks.td.ekjdnbrmteds mrb hustefeba aub td tcb mktejepmtba bkbriy jdsts smvekis mka gbjdnb := pbrjbkt mka 1: pbrjbkt, rbspbjtevb`y+ Qcb mpprdpremtb CDJ abtbrnekbs ef m prdpbrty qumèfebs fdr BBC abseikmtedk+ Qcb dreiekm` adjunbktmtedk mttbsteki tdbkbriy bffejebkjy es rbquerba dk rbsm`bs+

M`` prdpbrtebs nbbteki tcb Jdukje` df Mnbrejmk Gueàeki Dffejem`s #JMGD% =557Ndab` Bkbriy Jdab #NBJ% mrb jdkseabrba bkbriy bffejebkt mka bèieg`b fdr tcbtwd pbrjbktmib pdekts ekjrbmsb ek tcb qumèfyeki rmteds+

Djtdgbr 7??: 7.1=




1=22+= WBV.2

7.7? BKBWIU BFFEJEBKQ NDWQIMIB #BBN% _WDIWMN+ Qcb FCM BBN_rdirmn es fdr bxesteki prdpbrtebs+ Mk BBN rbjdikezbs tcb bkbriy smvekis df mcdnb tcmt cms 'jdst bffbjtevb' bkbriy smveki enprdvbnbkts, wcejc ekjrbmsb tcbbkbriy bffejebkjy df m cdnb+ Gbjmusb tcb cdnb es bkbriy bffejebkt, tcbdjjupmkt#s% we`` smvb dk uteèty jdsts mka, tcus, gb mg`b td abvdtb ndrb ekjdnb td

tcb ndktc`y ndrtimib pmynbkt+ Bkbriy bffejebkjy enprdvbnbkts jmk ekjùabbkbriy smveki bquepnbkt mka mjtevb mka pmssevb sd`mr tbjckd`diebs+

Rkabr tcb FCM BBN _rdirmn, m gdrrdwbr jmk fekmkjb ektd tcb ndrtimib =?? pbrjbkt df tcb jdst df bèieg`b bkbriy bffejebkt enprdvbnbkts, sughbjt td jbrtmekad``mr ènetmtedks, wetcdut mk mpprmesm` df tcb bkbriy bffejebkt enprdvbnbkts+ Qd gb bèieg`b fdr ekjùsedk ektd tcb ndrtimib, tcb bkbriy bffejebkt enprdvbnbktsnust gb 'jdst bffbjtevb' #e+b+, tcb tdtm` jdst df tcb enprdvbnbkts, ekjùaekinmektbkmkjb jdsts, nust gb `bss tcmk tcb tdtm` prbsbkt vmùb df tcb bkbriy smvbadvbr tcb usbfu` èfb df tcb enprdvbnbkts%+ Qcb ndrtimib ekjùabs tcb jdst df tcbbkbriy bffejebkt enprdvbnbkts, ek maaetedk td tcb usum` ndrtimib mndukt

kdrnm``y pbrnettba+

M+ Gmsej _rdirmn Wbquerbnbkts+

=+ Bxesteki dkb. mka twd.uket prdpbrtebs mrb bèieg`b+ Qcrbb. mkafdur. uket bxesteki prdpbrtebs mrb kdt bèieg`b+

7+ Qcb jdst df mky enprdvbnbkt td tcb prdpbrty tcmt we`` ekjrbmsb tcb prdpbrty)s bkbriy bffejebkjy mka tcmt es abtbrnekba td gb 'jdstbffbjtevb' es bèieg`b fdr fekmkjeki ektd tcb ndrtimib+ Ets jdst nmy gb maaba td tcb ndrtimib mndukt up td tcb irbmtbr df8

m+ 2 pbrjbkt df tcb prdpbrty)s vmùb #kdt td bxjbba !3,???%< dr g+ !1,???+

'Jdst bffbjtevb' nbmks tcmt tcb tdtm` jdst df tcb enprdvbnbkts,ekjùaeki mky nmektbkmkjb jdsts, es `bss tcmk tcb tdtm` prbsbkt vmùbdf tcb bkbriy smvba dvbr tcb usbfu` èfb df tcb bkbriy enprdvbnbkt+Qcb FCM nmxenun `dmk ènet fdr tcb mrbm nmy gb bxjbbaba gy tcbjdst df tcb bkbriy bffejebkt enprdvbnbkts+

:+ Qcb jdst df tcb bkbriy enprdvbnbkts, ekjùaeki nmektbkmkjb jdsts,mka tcb bstenmtb df tcb bkbriy smvekis nust gb abtbrnekba gmsbaupdk m pcysejm` ekspbjtedk df tcb prdpbrty gy m cdnb bkbriyrmtekis systbn #CBWZ% rbprbsbktmtevb dr bkbriy jdksu`tmkt+

Qcb CBWZ rbprbsbktmtevb dr bkbriy jdksu`tmkt nust gb mkekabpbkabkt bktety< et jmkkdt gb rb`mtba, aerbjt`y dr ekaerbjt`y, tdtcb sb``br df tcb prdpbrty dr tcb prdspbjtevb gdrrdwbr+ Qcbjdktrmjtdr sb`bjtba gy tcb gdrrdwbr td ekstm`` tcb bkbriy bffejebkt

Djtdgbr 7??: 7.17




1=22+= WBV.2

enprdvbnbkts nmy kdt gb rb`mtba, aerbjt`y dr ekaerbjt`y, td tcbCBWZ rbprbsbktmtevb dr bkbriy jdksu`tmkt+ Qcb CBWZrbprbsbktmtevb dr bkbriy jdksu`tmkt nmy gb m uteèty jdnpmky< m`djm`, stmtb, dr fbabrm` idvbrknbkt mibkt< mk bktety mpprdvba gy m`djm`, stmtb, dr fbabrm` idvbrknbkt mibkjy spbjefejm``y fdr tcb

purpdsb df prdveaeki cdnb bkbriy rmtekis dk rbseabktem` prdpbrtebs<dr m kdkprdfet drimkezmtedk bxpbrebkjba ek jdkaujteki cdnb bkbriyrmtekis df rbseabktem` prdpbrtebs+

1+ Qcb cdnb bkbriy rmteki rbpdrt prbpmrba gy tcb CBWZrbprbsbktmtevb dr bkbriy jdksu`tmkt nust gb ek wreteki mka prdveaba td tcb prdspbjtevb gdrrdwbr mka `bkabr+ Qcb rbpdrt nustjdktmek tcb fd``dweki ekfdrnmtedk8

m+ Maarbss df tcb prdpbrty+ g+ Kmnb df tcb jurrbkt dwkbr#s% df tcb prdpbrty+

j+ Amtb df tcb prdpbrty ekspbjtedk+a+ Absjreptedk df tcb bkbriy fbmturbs jurrbkt`y ek tcb prdpbrty+Qces absjreptedk nust ekjùab, mt m nekenun, m absjreptedkdf tcb eksu`mtedk W vmùbs ek jbeèkis, wm``s mka f`ddrs<ekfe`trmtedk `bvb`s mka gmrrebrs #jmu`leki, wbmtcbrstreppekimka sbmèki%< m absjreptedk df tcb wekadws #stdrn wekadws,adug`b pmkb, trep`b pmkb btj+% mka addrs< mka m absjreptedkdf tcb cbmteki #ekjùaeki wmtbr cbmteki% mka jddèkisystbns+

b+ Absjreptedk df tcb ndaefejmtedks rbjdnnbkaba td enprdvbtcb bkbriy bffejebkjy df tcb prdpbrty+

f+ Bstenmtba jdsts df tcb bkbriy enprdvbnbkts, tcber usbfu`èfb, mka tcb jdsts df mky nmektbkmkjb dvbr tcb usbfu` èfb+

i+ _rbsbkt bstenmtba mkkum` uteèty jdsts gbfdrb ekstm``mtedk df tcb bkbriy bffejebkt enprdvbnbkts+

c+ Bstenmtba mkkum` uteèty jdsts mftbr ekstm``mtedk df tcbbkbriy bffejebkt enprdvbnbkts+

e+ Bstenmtba mkkum` smvekis ek uteèty jdsts mftbr ekstm``mtedk df tcb bkbriy bffejebkt enprdvbnbkts+

h+ _rektba kmnb#s% mka seikmturb#s% df tcb pbrsdk#s% tcmtekspbjtba tcb prdpbrty mka prbpmrba tcb rbpdrt, ms wb`` mstcb amtb df prbpmrmtedk df tcb rbpdrt+

l+ Qcb fd``dweki jbrtefejmtedk stmtbnbkt, seikba gy tcb pbrsdk#s% wcd ekspbjtba tcb prdpbrty mka prbpmrba tcbrbpdrt, nust mjjdnpmky tcb rbpdrt8

'E jbrtefy, tcmt td tcb gbst df ny lkdw`baib mka gbèbf, tcbekfdrnmtedk jdktmekba ek tces rbpdrt es trub mka mjjurmtb mkaE ukabrstmka tcmt tcb ekfdrnmtedk ek tces rbpdrt nmy gb usbaek jdkkbjtedk wetc mk mppèjmtedk fdr mk bkbriy bffejebkt

Djtdgbr 7??: 7.1:




1=22+= WBV.2

ndrtimib td gb eksurba gy tcb Fbabrm` CdusekiManekestrmtedk df tcb Rketba Ztmtbs Abpmrtnbkt df Cdusekimka Rrgmk Abvb`dpnbkt+'

Fdr strbmnèkb rbfekmkjb trmksmjtedks, tcb gdrrdwbr)s ndktc`y pmynbkt fdr

prekjepm` mka ektbrbst fdr tcb rbfekmkjb ndrtimib #wcejc we`` ekjùab tcbjdst fdr tcb bkbriy bffejebkt enprdvbnbkts% nust gb `dwbr tcmk tcb

ndktc`y prekjepm` mka ektbrbst dk tcb jurrbkt ndrtimib+

G+ Bsjrdw Mjjdukt Zpbjefejmtedks+ Mk bsjrdw mjjdukt nmy gb bstmgèscbafdr kd ndrb tcmk tcrbb ndktcs mftbr `dmk j`dseki td m``dw fdr ekstm``mtedkdf tcb bkbriy bffejebkt enprdvbnbkts+ Qcb `bkabr, m ute ety jdnpmky, mkdkprdfet drimkezmtedk, dr m idvbrknbkt mibkjy nmy manekestbr tcbbsjrdw mjjdukt+ Qcb bsjrdw mjjdukt nust gb eksurba mka gb bstmgèscbamt m fekmkjem` ekstetutedk supbrvesba gy m fbabrm` mibkjy+

J+ _rdjbsseki mka Rkabrwreteki Wbquerbnbkts+

=+ Qcb `bkabr we`` prdjbss tcb ndrtimib `dmk mppèjmtedk mka qumèfytcb gdrrdwbr useki dur stmkamra ukabrwreteki rbquerbnbkts mkaqumèfyeki rmteds+ Ef tcb gdrrdwbr b`bjts td cmvb mk BBN mka maatcb jdst df tcb bkbriy bffejebkt enprdvbnbkts td tcb ndrtimib, tcb`bkabr nust tmlb tcb fd``dweki maaetedkm` stbps8

m+ Dgtmek m rbpdrt prbpmrba gy m CBWZ rbprbsbktmtevb dr bkbriy jdksu`tmkt scdweki tcb bstenmtba jdsts df ekstm`èkitcb bkbriy bffejebkt enprdvbnbkts, ekjùaeki mkynmektbkmkjb jdsts, mka tcb bstenmtba mkkum` smvekis ekuteèty jdsts tcmt we`` rbsu`t frdn tcb ekstm``mtedk df tcbbkbriy bffejebkt enprdvbnbkts+

g+ Rseki tcb CBWZ dr bkbriy jdksu`tmkt)s rbpdrt, tcb `bkabr nust abtbrnekb tcmt tcb bkbriy bffejebkt enprdvbnbkts mrb'jdst bffbjtevb' gy jm`ju`mteki tcb prbsbkt jdst df tcbbkbriy enprdvbnbkts, ekjùaeki nmektbkmkjb jdsts #ef mky%dvbr tcb usbfu` èfb df tcb enprdvbnbkts mka tcb prbsbkt

vmùb df tcb bkbriy smvekis dvbr tcb usbfu` èfb df tcbbkbriy enprdvbnbkts+ Ef tcb bkbriy bffejebktenprdvbnbkts nbbt tcb 'jdst bffbjtevb' tbst #e+b+, prbsbktjdst df enprdvbnbkts es `bss tcmk tcb prbsbkt vmùb df tcbbkbriy smvekis%, tcb `bkabr nmy maa =?? pbrjbkt df tcb jdstdf tcb bkbriy bffejebkt enprdvbnbkts #sughbjt td tcb ad``mr ènets absjregba mgdvb ek G+ 1+% td tcb dtcbrwesb m``dwmg`bnmxenun ndrtimib mndukt+ Kd mpprmesm` df tcb bkbriybffejebkt enprdvbnbkts es kbjbssmry, mka tcb gdrrdwbr kbbakdt nbbt mky furtcbr jrbaet stmkamras+ Ef tcb bkbriy

Djtdgbr 7??: 7.11




1=22+= WBV.2

Djtdgbr 7??: 7.12

bffejebkt enprdvbnbkts nbbt tcb 'jdst bffbjtevb' tbst, tcbfu`` jdst df tcb enprdvbnbkts jmk gb maaba td tcb gdrrdwbr)s gmsb `dmk mndukt, wetcdut m abtbrnekmtedk df vmùb mka wetcdut furtcbr jrbaet qumèfejmtedk+

j+ Qcb `bkabr jm`ju`mtbs tcb RFNE_ dk tcb fu`` ndrtimibmndukt, wcejc we`` ekjùab tcb jdst df tcb bkbriyenprdvbnbkts+

A+ Bsjrdw Mjjdukt+ Yb we`` eksurb tcb ndrtimib gbfdrb tcb bkbriy bffejebktenprdvbnbkts mrb ekstm``ba prdveaba tcb `bkabr bstmgèscbs mk bsjrdwmjjdukt mka abpdsets ektd et tcb fukas td pmy fdr tcb bkbriy bffejebktenprdvbnbkts+ Qcb bsjrdw mjjdukt scm`` gb fdr m pbreda df kd ndrb tcmk5? amys+ Ef tcb enprdvbnbkts mrb kdt ekstm``ba wetcek 5? amys, tcb `bkabr nust mpp`y tcb fukas cbà ek bsjrdw td m prbpmynbkt df tcb prekjepm` gm`mkjb df tcb ndrtimib+ Qcb bsjrdw mjjdukt nmy gb bstmgèscba gy tcb

`bkabr mka manekestbrba gy tcb `bkabr, m uteèty jdnpmky, m kdkprdfetdrimkezmtedk, dr m idvbrknbkt mibkjy+ Cdwbvbr, tcb `bkabr es rbspdkseg`bfdr mssureki FCM tcmt tcb bsjrdw cms gbbk j`bmrba+ @bkabrs scm`` bxbjutbFdrn CRA 57:?? Ndrtimibb Mssurmkjb df Jdnp`btedk td ekaejmtb tcmttcb bsjrdw fdr tcb bkbriy bffejebkt enprdvbnbkts cms gbbk bstmgèscba+Zugsbqubkt`y, tcb `bkabr es rbspdkseg`b fdr kdtefyeki FCM tcmt tcbenprdvbnbkts cmvb gbbk nmab mka tcmt tcb bsjrdw cms gbbk j`bmrba+ Qcbekstm``mtedk df tcb enprdvbnbkts nmy gb ekspbjtba gy tcb `bkabr, tcbCBWZ, dr mk FCM fbb ekspbjtdr+ Qcb gdrrdwbr nmy gb jcmriba mkekspbjtedk fbb ek mjjdramkjb wetc tcb mpprdpremtb CDJ fbb sjcbau`b+

F+ Cdnb Bkbriy Wmteki Wbpdrt+ Qcb `bkabr nust ekjùab m jdpy df tcbcdnb bkbriy rmteki rbpdrt, pbrfdrnba gy tcb CBWZ rbprbsbktmtevb dr bkbriy jdksu`tmkt, ek tcb j`dseki pmjlmib, wcbk rbqubsteki eksurmkjbbkadrsbnbkt+

7.7= MAVMKJB NDWQIMIB _MUNBKQZ _WDCEGEQBA+ Yb ad kdt pbrnet, msm jdkaetedk fdr nmleki m FCM eksurba ndrtimib, m `bkabr td jd``bjt frdn tcb gdrrdwbr mavmkjb pmynbkt#s% df tcb ndrtimib+ Gdrrdwbrs mrb kdt td gb rbquerbatd wretb pdst.amtba jcbjls, ievb jmsc, dr dtcbrwesb nmlb ndrtimib pmynbkts tdtcb `bkabr ek mavmkjb df tcb gdrrdwbrs ndrtimib pmynbkt rbquerbnbkts ukabr tcbsbjurety ekstrunbkts+




1=22+= WBV.2

Djtdgbr 7??: 1.=




1=22+= WBV.2

JCM_QBW :

ADJRNBKQMQEDK MKA DQCBW _WDJBZZEKI WB]REWBNBKQZ

x Qces jcmptbr absjregbs tcb adjunbktmtedk rbquerbnbkts fdr bmjc `dmk

sugnettba fdr ndrtimib eksurmkjb mka tcb spbjefej rbquerbnbkts `bkabrs nustdgsbrvb ek prdjbsseki mka ukabrwreteki FCM.eksurba ndrtimibs+ Qcb `bkabr esrbspdkseg`b fdr msleki suffejebkt qubstedks td bèjet m jdnp`btb pejturb df tcb gdrrdwbr)s fekmkjem` setumtedk, sdurjb df fukas fdr tcb trmksmjtedk, mka tcb ektbkabausb df tcb prdpbrty+ M`` ekfdrnmtedk nust gb vbrefeba mka adjubntkba+ Qcb`bkabr nust m`sd vbrefy mka adjunbkt tcb eabktety df tcb `dmk mppèjmkt#s%+

ZBJQEDK =8 RKABWYWEQEKI ADJRNBKQMQEDK

x

:.= M__@EJMQEDK _MJLMIB+ Qcb mppèjmtedk pmjlmib nust jdktmek m`àdjunbktmtedk suppdrteki tcb `bkabr)s abjesedk td mpprdvb tcb ndrtimib `dmk+Ycbk stmkamra adjunbktmtedk adbs kdt prdveab bkduic ekfdrnmtedk td suppdrt

tces abjesedk, tcb `bkabr nust prdveab maaetedkm` bxp`mkmtdry stmtbnbkts,

jdksestbkt wetc dtcbr ekfdrnmtedk ek tcb mppèjmtedk, td j`mrefy dr td supp`bnbkt tcb adjunbktmtedk sugnettba gy tcb gdrrdwbr+

x M`` adjunbkts nmy gb up td =7? amys dà mt tcb tenb tcb `dmk j`dsbs #=3? amys

fdr kbw jdkstrujtedk% uk`bss tces dr dtcbr mppèjmg`b CRA ekstrujtedks spbjefy maeffbrbkt tenbfrmnb, dr tcb kmturb df tcb adjunbkt es sujc tcmt ets vmèaety fdr ukabrwreteki purpdsbs es kdt mffbjtba gy gbeki dàbr tcmk tcb kungbr df prbsjregba amys #b+i+, aevdrjb abjrbbs, tmx rbturks%+ Rpamtba, wrettbk vbrefejmtedksnust gb dgtmekba wcbk tcb mib df tcb adjunbkts bxjbba tcbsb ènets+ Vbrefejmtedkfdrns dr adjunbkts usba ms mk m`tbrkmtb td tcbsb vbrefejmtedks nust pmss aerbjt`y gbtwbbk tcb `bkabr mka tcb prdveabr wetcdut gbeki cmka`ba dr trmksnettba gy mkytcera pmrty dr useki mky tcera pmrty―s bquepnbkt+ Kd adjunbkt usba ek tcb prdjbsseki dr ukabrwreteki df m `dmk nmy gb cmka`ba dr trmksnettba gy dr tcrduicmk ektbrbstba tcera pmrty td tcb trmksmjtedk+

x Qcb Vbrefejmtedk df Abpdset #VDA% mka Vbrefejmtedk df Bnp`dynbkt #VDB%nmy gb fmxba adjunbkts dr prektba pmibs frdn tcb Ektbrkbt ef tcby j`bmr`y eabktefytcber sdurjbs #b+i+, jdktmek tcb kmnbs df tcb gdrrdwbr―s bnp`dybr dr abpdsetdry$ekvbstnbkt fern%+ Qcb `bkabr es mjjduktmg`b fdr msjbrtmekeki tcb

mutcbktejety df tcb adjunbkt gy bxmnekeki ekfdrnmtedk ekjùaba ek m adjunbkt―scbmabrs mka fddtbrs+ Qcb `bkabr scduà vbrefy tcb mutcbktejety df prektba Ybg pmibs gy bxmnekeki tcb pmibs fdr sene`mr ekfdrnmtedk+ M prektba Ybg pmib m`sdnust scdw ets ukefdrn rbsdurjb `djmtdr #RW@% maarbss, ms wb`` ms tcb amtb mkatenb tcb adjunbkt wms prektba+

x @bkabrs nmy kdt mjjbpt dr usb adjunbkts rb`mteki td tcb jrbaet, bnp`dynbktdr ekjdnb df gdrrdwbrs tcmt mrb cmka`ba gy dr trmksnettba frdn dr tcrduic

x Djtdgbr 7??: :.=




1=22+= WBV.2

ektbrbstba tcera pmrtebs #b+i+, rbm` bstmtb mibkts, gueàbrs, sb``brs% dr gy useki tcber bquepnbkt+

x Qcb fd``dweki adjunbkts mrb ibkbrm``y rbquerba fdr ndrtimib jrbaet mkm`ysesek m`` trmksmjtedks bxjbpt fdr jbrtmek strbmnèkb rbfekmkjbs8

M+ @dmk Mppèjmtedk+ Rkefdrn Wbseabktem` @dmk Mppèjmtedk #RW@M%,seikba mka amtba gy m`` gdrrdwbrs mka tcb `bkabr, mka tcb Maabkaun tdtcb RW@M #fdrn CRA.575??.M%+

G+ Ndrtimib Jrbaet Mkm`yses Ydrlscbbt+ Fdrn CRA 575??.YZ dr CRA.575??._RW, ms mpprdpremtb+

J+ Zdjem` Zbjurety Kungbr Bveabkjb+ Fdr m`` gdrrdwbrs, ekjùaeki RZjetezbks, tcb `bkabr es rbquerba td adjunbkt m vmèa ZZK fdr bmjc gdrrdwbr,jd.gdrrdwbr, mka jd.seikbr dk tcb ndrtimib+ M`` ekaeveaum`s bèieg`b fdr `bim` bnp`dynbkt ek tcb RZ nust cmvb m ZZK+ Bmjc gdrrdwbr nust prdveab tcb `bkabr wetc bveabkjb df ces dr cbr dwk vmèa ZZK ms essuba gytcb Zdjem` Zbjurety Manekestrmtedk #ZZM%+ Qces mppèbs td purjcmsbndkby `dmks mka m`` rbfekmkjbs, ekjùaeki strbmnèkb rbfekmkjbs+ Yce`btcb mjtum` sdjem` sbjurety jmra es kdt rbquerba, tcb `bkabr es rbquerba tdvmèamtb tcb ZZK+ @bkabrs nmy usb vmredus nbmks fdr vmèamteki tcb ZZKekjùaeki bxmnekeki tcb gdrrdwbr―s pmy stugs, pmsspdrt, vmèa tmx rbturks,mka nmy usb sbrvejb prdveabrs ekjùaeki tcdsb wetc aerbjt mjjbss td tcbZZM+ Qcb `bkabr es m`sd rbquerba td rbsd`vb mky ekjdksestbkjebs dr nu`tep`b ZZKs fdr ekaeveaum` gdrrdwbrs tcmt mrb rbvbm`ba aureki `dmk prdjbsseki mka ukabrwreteki+ #M`sd sbb pmrmirmpc 7.7 G%+

A+ Jrbaet Wbpdrt+ Qcb `bkabr nust dgtmek m jrbaet rbpdrt dk m`` gdrrdwbrswcd we`` gb dgèimtba dk tcb ndrtimib kdtb #bxjbpt fdr strbmnèkbrbfekmkjb trmksmjtedks%+

B+ Vbrefejmtedk df Bnp`dynbkt #VDB%+ VDB mka tcb gdrrdwbr―s ndstrbjbkt pmy stug mrb td gb prdveaba+ ‐Ndst rbjbkt„ nbmks mt tcb tenb tcbeketem` `dmk mppèjmtedk es nmab+ Ef tcb adjunbkt es kdt ndrb tcmk =7?amys dà wcbk tcb `dmk j`dsbs #=3? amys dà dk kbw jdkstrujtedk%, et adbskdt cmvb td gb upamtba+

M`tbrkmtevb Adjunbktmtedk+ Ms mk m`tbrkmtevb td dgtmekeki m VDB, tcb

`bkabr nmy dgtmek tcb gdrrdwbr―s dreiekm` pmy stug#s% jdvbreki tcb ndst rbjbkt :?.amy pbreda, m`dki wetc dreiekm` EWZ Y.7 Fdrns frdn tcb

prbvedus twd ybmrs+ Qcb pmy stug#s% nust scdw tcb gdrrdwbr)s kmnb,

sdjem` sbjurety kungbr, mka ybmr.td. amtb bmrkekis+ Mky jdpebs df tcb Y.7 Fdrn kdt sugnettba wetc tcb gdrrdwbr)s ekjdnb tmx rbturks mrb jdkseabrba

'dreiekm`' Y.7―s+ #Qcbsb dreiekm` adjunbkts nmy gb pcdtdjdpeba mka rbturkba td tcb gdrrdwbr+% Qcb `bkabr m`sd nust vbrefy gy tb`bpcdkb m``

jurrbkt bnp`dybrs+ Qcb `dmk fe`b nust ekjùab m jbrtefejmtedk frdn tcb

x Djtdgbr 7??: :.7




1=22+= WBV.2

`bkabr tcmt dreiekm` adjunbkts wbrb bxmnekba mka tcb kmnb, tet`b, mka

tb`bpcdkb kungbr df tcb pbrsdk wetc wcdn bnp`dynbkt wms vbrefeba+ Fdr

m`` `dmks prdjbssba ek tces nmkkbr, tcb `bkabr m`sd nust dgtmek m seikba

jdpy df Fdrn EWZ 12?6 Wbqubst fdr Jdpy df Qmx Fdrn, Fdrn EWZ 337=, dr m adjunbkt tcmt es mpprdpremtb fdr dgtmekeki tmx rbturks aerbjt`y frdn tcb

EWZ+ Qcb `bkabr m`sd nmy usb mk b`bjtrdkej rbtrebvm` sbrvejb fdr dgtmekeki Y.7 mka tmx rbturk ekfdrnmtedk+

Ef tcb bnp`dybr we`` kdt ievb tb`bpcdkb jdkfernmtedk df bnp`dynbkt dr ef

tcb Y.7 ekaejmtbs ekjdksestbkjebs #b+i+, FEJM pmynbkts kdt rbf`bjteki bmrkekis%, stmkamra bnp`dynbkt adjunbktmtedk nust gb usba+

F+ VDA+ VDA mka ndst rbjbkt gmkl stmtbnbkts mrb td gb prdveaba+ ‐Ndstrbjbkt„ nbmks mt tcb tenb tcb eketem` `dmk mppèjmtedk es nmab+ _rdveabatcb adjunbkt es kdt ndrb tcmk =7? amys dà wcbk tcb `dmk j`dsbs #=3?amys dà dk kbw jdkstrujtedk%, et adbs kdt cmvb td gb upamtba+

M`tbrkmtevb Adjunbktmtedk+ Ms mk m`tbrkmtevb td dgtmekeki m VDA, tcb

`bkabr nmy dgtmek frdn tcb gdrrdwbr dreiekm` gmkl stmtbnbkt#s% jdvbreki

tcb ndst rbjbkt tcrbb.ndktc pbreda+ _rdveaba tcb gmkl stmtbnbkt scdwstcb prbvedus ndktc)s gm`mkjb, tces rbquerbnbkt es nbt gy dgtmekeki tcb twd

ndst rbjbkt, jdksbjutevb stmtbnbkts+

I+ Fbabrm` Ekjdnb Qmx Wbturks+ Fbabrm` ekjdnb tmx rbturks #gdtcekaeveaum` rbturks mka gusekbss rbturks% fdr tcb pmst twd ybmrs, ekjùaekim`` mppèjmg`b sjcbau`bs, fdr sb`f.bnp`dyba gdrrdwbrs, mrb rbquerba+Jdnnessedkba ekaeveaum`s nust prdveab ekaeveaum` fbabrm` ekjdnb tmxrbturks fdr tcb pmst twd ybmrs+ Qcb `bkabr nust dgtmek seikba Fdrns EWZ12?6, EWZ 337=, dr wcmtbvbr fdrn dr b`bjtrdkej rbtrebvm` sbrvejb esmpprdpremtb fdr dgtmekeki tmx rbturks aerbjt`y frdn tcb EWZ fdr mky `dmk fdr wcejc tcb gdrrdwbr)s tmx rbturks mrb rbquerba+

C+ Zm`bs Jdktrmjt+ Qcb sm`bs jdktrmjt mka mky mnbkanbkts dr dtcbr mirbbnbkts mka jbrtefejmtedks mrb td gb ekjùaba ek tcb jmsb gekabr+ Betcbr mk dreiekm` dr m jbrtefeba trub jdpy df tcb sm`bs jdktrmjt rbjbevba gy tcb`bkabr es rbquerba+

E+ Wbm` Bstmtb Jbrtefejmtedk+ Wbm` bstmtb jbrtefejmtedk, seikba gy tcb guybr,sb``br, mka sb`èki rbm` bstmtb mibkt dr grdlbr #ef kdt jdktmekba wetcek tcb purjcmsb mirbbnbkt% mrb rbquerba+ M`sd sbb pmrmirmpc :.:, gb`dw+

H+ Vbrefejmtedk df Wbkt dr _mynbkt Cestdry df

_rbsbkt$_rbvedus Ndrtimibs+ Qces adjunbkt nust gb ek tcb fdrn df maerbjt vbrefejmtedk frdn tcb `mka`dra dr ndrtimib sbrvejbr dr tcrduicekfdrnmtedk scdwk dk tcb jrbaet rbpdrt+

x Djtdgbr 7??: :.:




1=22+= WBV.2

L+ Rkefdrn Wbseabktem` Mpprmesm` Wbpdrt #RWMW%+ QcbRWMW mka Vmùmtedk pmjlmib nust gb ekjùaba ek tcb bkadrsbnbkt gekabr bxjbpt fdr strbmnèkb rbfekmkjbs nmab wetcdut mpprmesm`s+

@+ Bxp`mkmtdry Ztmtbnbkts+ Bxp`mkmtdry stmtbnbkts dr maaetedkmàdjunbktmtedk kbjbssmry td nmlb m sduka ukabrwreteki abjesedk mrb td gb

ekjùaba ek tcb jmsb gekabr+

:.7 ADJRNBKQMQEDK ZQMKAMWAZ+

M+ Mppèjmtedk Fdrns+ Mppèjmtedk fdrns nust gb seikba mka amtba gy m`` gdrrdwbrs mpp`yeki fdr tcb ndrtimib mka mssuneki rbspdksegeèty fdr tcbndrtimib abgt+

G+ Vbrefejmtedks+ Wmtcbr tcmk rbquereki gdrrdwbrs td seik nu`tep`bvbrefejmtedk fdrns, tcb `bkabr nmy msl tcb gdrrdwbr td seik m ibkbrm`mutcdrezmtedk fdrn tcmt ievbs tcb `bkabr g`mklbt mutcdrety td vbrefy

ekfdrnmtedk kbbaba td prdjbss tcb ndrtimib `dmk mppèjmtedk, sujc ms pmstmka prbsbkt bnp`dynbkt rbjdras, gmkl mjjdukts, stdjl cdàekis, btj+ Ef tcb `bkabr usbs sujc mk mutcdrezmtedk, cb dr scb nust mttmjc m jdpy df tcbmutcdrezmtedk td bmjc vbrefejmtedk sbkt+ Maaetedkm``y, `bkabrs nmy usb sb`f.macbsevb seikmturb `mgb`s fdr `msbr prektba vbrefejmtedks+ Bmjc `mgb` nustjdnp`btb`y mka j`bmr`y ekaejmtb ets usb mka nust jdktmek tcb _revmjy Mjtkdtefejmtedk+

J+ Adjunbkts Zeikba ek G`mkl+ @bkabrs nmy kdt cmvb gdrrdwbrs seikadjunbkts ek g`mkl, dr dk g`mkl scbbts df pmpbr+

:.: WBM@ BZQMQB JBWQEFEJMQEDK+ Qcb gdrrdwbr, sb``br, mka tcb sb`èki rbm`bstmtb mibkt dr grdlbr ekvd`vba ek tcb sm`bs trmksmjtedk nust jbrtefy tcmt tcb tbrnsmka jdkaetedks df tcb sm`bs jdktrmjt mrb trub td tcb gbst df tcber lkdw`baib mka gbèbf mka tcmt mky dtcbr mirbbnbkt bktbrba ektd gy mky df tcb pmrtebs ekjdkkbjtedk wetc tcb rbm` bstmtb trmksmjtedk es pmrt df, dr mttmjcba td, tcb sm`bsmirbbnbkt+

x Ef tcb sm`bs jdktrmjt jdktmeks m prdvesedk tcmt tcbrb mrb kd dtcbr mirbbnbkts gbtwbbk pmrtebs mka tcmt tcb tbrns df tcb sm`bs jdktrmjt jdkstetutb tcb bkterbmirbbnbkt gbtwbbk tcb pmrtebs, tcb jbrtefejmtedk spbjefeba ek tcb mgdvb pmrmirmpces kdt kbbaba ef m`` pmrtebs mrb seikmtdrebs td tcb sm`bs jdktrmjt sugnettba mt tcbtenb df ukabrwreteki+

:.1 MNBKAMQDWU J@MRZB+ Mk mnbkamtdry j`musb nust gb ekjùaba ek tcbsm`bs jdktrmjt wcbk tcb gdrrdwbr cms kdt gbbk ekfdrnba df tcb mpprmesba vmùb gyrbjbeveki m jdpy df Fdrn CRA.573??+2G, Jdkaetedkm` Jdnnetnbkt$ABZtmtbnbkt df Mpprmesba Vmùb dr VM.JWV gbfdrb seikeki tcb sm`bs jdktrmjt+ Qcbmnbkamtdry j`musb nust jdktmek tcb fd``dweki `mkiumib8

x Djtdgbr 7??: :.1




CRA Cmkagddl 1=22+7Jcmptbr 7+M+1+G




CRA 1=22+7 Jcmptbr 7, Zbjtedk M

7.M.=:

1+ Rkabrwretbr ]umèfejmtedk Jretbrem mka Wbspdksegeètebs,Jdktekuba

1=22+7 7+M+1+g

Rkabrwretbr

Wbspdksegeètebs

Qcb tmg`b gb`dw dutèkbs tcb rbspdksegeètebs mssunba gy tcb ukabrwretbr+

Wbspdksegeèty Absjreptedk

Fmne emrety wetcRkabrwreteki_rdjbaurbs

Qcb `bkabr es rbspdkseg`b fdr bksureki tcb ukabrwretbr―sfmne emrety wetc

x tcb ukabrwreteki prdjbaurbs aesjussba ek prekjepmùkabrwreteki cmkagddls

CRA 1=22+=, Ndrtimib Jrbaet Mkm`yses fdr Ndrtimib Eksurmkjb dk Dkb.td.Fdur Fmne`y

_rdpbrtebs, mka

CRA 1=22+7, @bkabr―s Iueab td tcb Zeki`b Fmne`y Ndrtimib Eksurmkjb _rdjbss

x tcb mpprmesm` prdjbaurbs aesjussba ek vmùmtedkcmkagddls

CRA 1=12+=, Mrjcetbjturm` _rdjbsseki mka

Ekspbjtedks fdr Cdnb Ndrtimib Eksurmkjb

CRA 1=2?+=, Vmùmtedk Mkm`yses fdr Cdnb

Ndrtimib Eksurmkjb, mka

CRA 1=2?+7, Vmùmtedk Mkm`yses fdr Zeki`b Fmne`y

Dkb. td Fdur.Rket Awb`èkis

CRA 15?2+=, Wbquerbnbkts fdr Bxesteki Cduseki,Dkb.td.Fdur.Fmne y @eveki Rkets, mka

CRA 15=?+=, Nekenun _rdpbrty Ztmkamras fdr Cduseki , mka

x m` mppèjmg`b FCM Ndrtimibb @bttbrs tcmt mffbjtmpprmesm`s mka jrbaet ukabrwreteki+

Jddraekmtedk mkaJdnpèmkjb

Qcb ukabrwretbr es rbspdkseg`b fdr

x jddraekmteki m`` pcmsbs df tcb `dmk ukabrwreteki prdjbss, mka

x bksureki jdnpèmkjb wetc m` FCM rbquerbnbkts mka pruabkt ukabrwreteki prdjbaurbs+

Jdktekuba dk kbxt pmib




Jcmptbr 7, Zbjtedk M CRA 1=22+7

7.M.=1


1=22+7 7+M+1+g Rkabrwretbr Wbspdksegeètebs #jdktekuba%


Vbrefejmtedk df Ekfdrnmtedk

Qcb ukabrwretbr nust bksurb tcmt ekfdrnmtedk esdgtmekba mka vbrefeba wetc mt `bmst tcb smnb jmrb tcmtwduà gb bxbrjesba ef dreiekmteki m ndrtimib ek wcejctcb `bkabr wduà gb bkterb`y abpbkabkt dk tcb prdpbrtyms sbjurety td prdtbjt ets ekvbstnbkt+

Mpprmesm` Wbvebwmka JrbaetMkm`yses

Qcb ukabrwretbr nust bksurb rbmsdkmg`b jdkjùsedks,sduka rbpdrts, mka jdnpèmkjb wetc FCM rbquerbnbkts gy

x rbvebweki mpprmesm` rbpdrts mka jdnpèmkjbekspbjtedks, mka

x adjunbkteki m`` jrbaet mkm`ysbs pbrfdrnba mka$dr dgtmekba gy fbb mka stmff pbrsdkkb`+

@dmkMjjbptmgeèty

Qcb ukabrwretbr es rbspdkseg`b fdr nmleki abjesedkswetc aub ae eibkjb mka ek m pruabkt nmkkbr, rbimraekitcb

x mjjbptmgeèty df tcb

mpprmesm`

ekspbjtedks, mka

gdrrdwbr―s jmpmjety td rbpmy tcb ndrtimib, mka

x dvbrm`` mjjbptmgeèty df tcb ndrtimib `dmk fdr FCMeksurmkjb+

_brsdkkb`_brfdrnmkjb

Qcb ukabrwretbr nust ndketdr mka bvmùmtb tcb pbrfdrnmkjb df fbb mka stmff pbrsdkkb` usba fdr tcbAerbjt Bkadrsbnbkt #AB% _rdirmn+

Jdktekuba dk kbxt pmib




CRA 1=22+7 Jcmptbr 7, Zbjtedk M

7.M.=2


1=22+7 7+M+1+g Rkabrwretbr Wbspdksegeètebs #jdktekuba%


Abtbjtedk df Ymrkeki Zeiks

Qcb ukabrwretbr nust gb

x mttukba td tcb wmrkeki seiks tcmt nmy ekaejmtb mkyerrbiu`mretebs, mka

x m`brt mka mg`b td abtbjt frmua+

Jbrtefejmtedk _mib:, Fdrn CRA.

575??.M

Gy bxbjuteki pmib : df Fdrn CRA.575??.M, CRA$VM Maabkaun td Rkefdrn Wbseabktem` @dmk Mppèjmtedk,

tcb ukabrwretbr jbrtefebs tcmt cb$scb

x cms pbrsdkm``y rbvebwba m`` mppèjmtedk adjunbkts

x fekas jdnpèmkjb wetc tcb mppèjmg`b rbquerbnbkts,mka

x es mpprdveki tcb `dmk fdr j`dseki+

J`dseki Wbvebwmka Jbrtefejmtedk

Qcb ukabrwretbr #dr tcb `bkabr dr `bkabr―s j`dsekiabpmrtnbkt% nust

x rbvebw m``

j`dseki adjunbkts

jbrtefejmtedks dk tcb j`dseki stmtbnbkts, mka

`bim` ekstrunbkts mka dtcbr adjunbkts bxbjutba mtj`dseki, mka

x jbrtefy dk pmib 1 df fdrn CRA.575??.M, CRA$VM Maabkaun td Rkefdrn Wbseabktem` @dmk Mppèjmtedk,

tcmt tcb

trmksmjtedk mka `dmk nbbt stmtutdry mka rbiu`mtdryrbquerbnbkts df tcb FCM mka Kmtedkm` Cduseki Mjt,mka

`dmk cms gbbk j`dsba ek mjjdramkjb wetc tcb tbrnsmka sm`bs prejb spbjefeba ek tcb sm`bs jdktrmjt+




CRA Cmkagddl 19??+7 Wbv.=Jcmptbr 6




19??+7 WBV.=

JCM_QBW 6+ ]RM@EQU JDKQWD@ _@MK

6.= IBKBWM@ WB]REWBNBKQ+ Ms m jdkaetedk df CRA Qet`b E mpprdvm`, m```bkabrs, ekjùaeki @dmk Jdrrbspdkabkts, scm`` prbpmrb mka enp`bnbkt m]umèty Jdktrd` _`mk #]J_% Qcb Abpmrtnbkt jdkseabrs m ]J_ td gb mkenpdrtmkt pmrt df m `bkabr)s dreiekmtedk mka sbrvejeki dpbrmtedks ekdrabr td bksurb tcmt tcb `bkabr nmektmeks jdnpèmkjb wetc CRArbquerbnbkts mka ets dwk pdèjebs mka prdjbaurbs+ Qcb ]J_ nust gbsuffejebkt ek sjdpb td bkmg`b tcb `bkabr td bvmùmtb tcb mjjurmjy,vmèaety mka jdnp`btbkbss df ets `dmk dreiekmtedk mka sbrvejekidpbrmtedks+

M+ _D@EJU MKA DGHBJQEVBZ+ M`` Kdksupbrvesba mka Zupbrvesba @bkabrsmka @dmk Jdrrbspdkabkts scm`` prbpmrb mka enp`bnbkt m ]J_ wcejcuteèzbs mk ekabpbkabkt prdirmn df ektbrkm` dr bxtbrkm` muaetpbrfdrnba gy pbrsdkkb` wcd mrb lkdw`baibmg`b mka cmvb kd aerbjt`dmk prdjbsseki, ukabrwreteki dr sbrvejeki rbspdksegeètebs+ Qcbqumèty jdktrd` fukjtedk nmy gb pbrfdrnba gy betcbr jdnpmky

pbrsdkkb` dr mk dutseab fern+ Qcb ]J_ scm`` prdveab fdr pbredaejrbpdrts td gb prdveaba td sbkedr nmkmibnbkt+ Qcb rbpdrts we`èabktefy fdr sbkedr nmkmibnbkt mky mrbms df tcb `dmk dreiekmtedk drsbrvejeki fukjtedks tcmt mrb abfejebkt+

G+ ZJD_B+ Qcb ]J_ nust prdveab fdr m ndktc`y rbvebw df kdt `bss tcmktbk pbrjbkt df m`` Qet`b E `dmks dreiekmtba gy tcb `bkabr dk mndktc`y gmses, ekjùaeki ets grmkjcbs mka @dmk Jdrrbspdkabkts+ Fdr`dmk sbrvejeki, `bkabrs nust pbrfdrn m qumrtbr`y rbvebw df mrbprbsbktmtevb smnp`b df `dmks tcmt es suffejebkt ek kungbr tdprdveab rbmsdkmg`b bveabkjb tcmt CRA `dmk sbrvejeki pdèjebs mkarbquerbnbkts cmvb gbbk nbt+ Fdr bmjc grmkjc dffejb tcmt dreiekmtbsdr sbrvejbs CRA eksurba Qet`b E `dmks, mk dk.setb grmkjc dffejbrbvebw nust tmlb p`mjb mt `bmst dkjb bvbry ybmr+ Qcb ]J_ nust m`sdprdveab fdr m rbvebw df tcb `bkabr)s fe`bs mka rbjdras td abtbrnekbjdnpèmkjb wetc CRA)s Fmer Cduseki Mjt ms mnbkaba ek =533+

J+ @DMK JDWWBZ_DKABKQZ+ Yce`b et es enpdrtmkt fdr Zpdksdrs td ekjùabbmjc df tcber @dmk Jdrrbspdkabkts ek tcber rbvebw smnp`bs, bmjc@dmk Jdrrbspdkabkt nust cmvb ets dwk ]J_+ Et es kdt mjjbptmg`b fdrm Zpdksdr td pbrfdrn ets rdutekb rbvebw df @dmk Jdrrbspdkabkts

5$526.=

19??+?7 WBV.=

mka usb tces ms m rbp`mjbnbkt fdr tcb @dmk Jdrrbspdkabkt)s dwkrbvebw, uk`bss m fu`` =? pbrjbkt smnp`b es rbvebwba+

Ms aesjussba gb`dw, @dmk Jdrrbspdkabkts nmy jcddsb td usb mkdutseab sdurjb td pbrfdrn tcber qumèty jdktrd` rbvebws+ Cdwbvbr,ef m Zpdksdr es usba, tcb rbvebw nust jdvbr tcb fu`` =? pbrjbktsmnp`b+

A+ ]RM@EQU JDKQWD@ WBVEBYZ NRZQ EKJ@RAB8




=+ M sb`bjtedk df `dmks dk m rmkadn gmses ekjùaeki `dmks frdnm`` grmkjc dffejbs, `dmk jdrrbspdkabkts mka sbrvejeki mibkts+

7+ Mssurmkjb tcmt m`` `dmk dffejbrs, ukabrwretbrs mka sbrvejbrswe`` cmvb `dmks sughbjtba td rbvebws+

:+ Mkm`yses df m`` `dmks wcejc id ektd abfmu`t wetcek sexpmynbkts mftbr j`dseki+

1+ _rdjbaurbs fdr bxpmkaeki tcb sjdpb df tcb rbvebw wcbrb mpmttbrk df abfejebkjebs dr frmuau`bkt mjtevety es aesj`dsba+

B+ JDKQWMJQEKI DRQ+ @bkabrs mrb pbrnettba td usb mk dutseab sdurjb tdpbrfdrn tcber qumèty jdktrd` rbvebws+ Qces prdjbaurb nmy gbusbfu` fdr snm``br `bkabrs wcd ad kdt cmvb suffejebkt stmff tdabvdtb td qumèty jdktrd`, fdr bxmnp`b+ Qcb dutseab sdurjb esbxpbjtba td usb tcb `bkabr)s ]J_ dr abvb`dp dkb tcmt nbbts tcbAbpmrtnbkt)s rbquerbnbkts+ @bkabrs mrb ste`` rbquerba td tmlbmpprdpremtb mjtedks ek rbspdksb td fekaekis, ms aesjussba ek tces

Jcmptbr+

F+ EKEQEMQB JDWWBJQEVB MJQEDK+ Qcb ]J_ nust rbquerb wrettbkkdtefejmtedk td tcb `bkabr)s sbkedr nmkmibnbkt, mt `bmst qumrtbr`y,df abfejebkjebs jetba ms m rbsu`t df tcb rbvebws+ Zbkedrnmkmibnbkt nust prdnpt`y eketemtb mjtedk td jdrrbjt m`àbfejebkjebs+ Qcb mjtedks tmlbk gy nmkmibnbkt nust gb fdrnm``yadjunbktba gy jeteki bmjc abfejebkjy, eabktefyeki tcb jmusb df tcbabfejebkjy, mka prdveaeki nmkmibnbkt)s rbspdksb dr mjtedks tmlbk+Bnp`dybbs mrb td gb prdveaba wetc tcb rbsu`ts df tcb qumètyjdktrd` rbvebw+

5$52 6.7

19??+?7 WBV.=

I+ KDQEFEJMQEDK QD CRA DF ZEIKEFEJMKQ AEZJWB_MKJEBZ+ Mpprdvba `bkabrsmrb rbquerba td rbpdrt td CRA mky ved`mtedk df `mw dr rbiu`mtedk,fm`sb stmtbnbkts dr prdirmn mgusbs gy m gdrrdwbr, abm`br, tcb`bkabr, ets @dmk Jdrrbspdkabkts, bnp`dybbs dr mky dtcbr pmrty tdtcb trmksmjtedk #rbfbr td 71 JFW Zbjtedk 7?=+1?#m%%+ Qcbsb rbpdrtsscduà gb fdrwmraba td tcb Ndketdreki Aevesedk ek Ymscekitdk, A+J+dr tcb Dffejb df Ekspbjtdr Ibkbrm` mt tcb kbmrbst CRA febà dffejb+

6.7 IBKBWM@ WB]REWBA B@BNBKQZ DF QCB ]RM@EQU JDKQWD@ _@MK+ Qcb qumètyjdktrd` p`mk scm``8

M+ Mssurb tcmt bmjc dffejb df tcb `bkabr ekjùaeki, ef mppèjmg`b, etsmpprdvba @dmk Jdrrbspdkabkt#s% mka grmkjcbs nmektmek jdpebs df m``CRA essumkjbs, ekjùaeki rbiu`mtedks, cmkagddls, mka Qet`b E`bttbrs, btj+, wcejc mrb rb`bvmkt td tcb `bkabr)s Qet`b Edreiekmtedk mka sbrvejeki mjtevetebs+ Qcbsb adjunbkts nust gbmjjbsseg`b td m`` bnp`dybbs, mka kbw aerbjtevbs nust gb rbvebwbawetc mpprdpremtb stmff+

G+ Mssurb tcmt m`` `dmks rbpdrtba gy tcb `bkabr td CRA$FCM fdreksurmkjb mrb prdjbssba dk`y gy bnp`dybbs df tcb `bkabr+




J+ Mssurb tcmt tcb `bkabr adbs kdt bnp`dy dr jdkaujt Qet`b E gusekbsswetc mky ekaeveaum` wcd es abgmrrba, suspbkaba dr sughbjt td m@enetba Abkem` df _mrtejepmtedk #@A_%+

A+ Mssurb tcmt m jcbjl wms nmab tcrduic tcb Abpmrtnbkt)s Jrbaet M`brtEktbrmjtevb Vdejb Wbspdksb Zystbn #JMEVWZ% dr sdnb dtcbr nbmks tdabtbrnekb wcbtcbr mk mppèjmkt es ek abfmu`t dr m j`men cms gbbkpmea ek jdkkbjtedk wetc mky `dmk dgèimtedk dwba td dr eksurba driumrmktbba gy tcb Fbabrm` idvbrknbkt)+

B+ Mssurb tcmt tcb dreiekmteki `bkabr es rbtmekeki m jdpy df tcbbkterb jmsb fe`b pbrtmekeki td m`` `dmk dreiekmtedks, betcbr ekcmra jdpy dr nejrdfe`n fdrn, fdr mt `bmst twd ybmrs frdn amtb df`dmk aesgursbnbkt+

F+ Mssurb tcmt Cdnb Ndrtimib Aesj`dsurb Mjt #CNAM% rbpdrteki es gbekiadkb mjjurmtb`y, tenb`y mka es prdpbr`y adjunbktba+

5$52

6.:

19??+?7 WBV.=

I+ Mssurb tcmt tcb `bkabr adbs kdt rbquerb, ms m jdkaetedk dfprdveaeki mk eksurba `dmk, tcmt tcb prekjepm` mndukt df tcb `dmkbxjbba m nekenun mndukt bstmgèscba gy tcb `bkabr+

C+ Mssurb tcmt qumèty jdktrd` rbvebws mrb pbrfdrnba wetcek 5? amys df`dmk aesgursbnbkt+ Fdr `dmk sbrvejeki, rbvebws nust gb adkb mt`bmst qumrtbr`y+

E+ Mssurb tcmt pdst.aesgursbnbkt ekspbjtedks mrb jdkaujtba tdabtbrnekb tcmt enprdvbnbkts wbrb jdnp`btba dr m nmkufmjturba cdnbwms prdpbr`y ekstm``ba+

H+ Mssurb tcmt tcb `bkabr lbbps rbjdras df tcb rbsu`ts df qumètyjdktrd` rbvebws, ekjùaeki fekaekis mka mjtedks tmlbk, fdr m pbredadf dkb ybmr+

6.: WB]REWBNBKQZ FDW @DMK DWEIEKMQEDK+

M+ IBKBWM@+ @bkabrs mrb bxpbjtba td bxbrjesb pruabkjb mka aeèibkjbek abtbrnekeki wcbtcbr tcb gdrrdwbr es mk mjjbptmg`b jrbaet resl,wetc m rbmsdkmg`b mgeèty td nmlb pmynbkts dk tcb `dmk dgèimtedk+M`` adjunbktmtedk suppdrteki tcb abtbrnekmtedk df jrbaetwdrtcekbssnust gb rbtmekba ek tcb `dmk fe`b+

=+ Qcb ]J_ nust bksurb tcmt m`` `dmks jdnp`y wetc tcb mppèjmg`bprdvesedks df 71 JFW _mrt 7?= mka rbquerbnbkts jdktmekba ekQet`b E `bttbrs+

7+ Qcb ]J_ nust prdveab fdr tcb rbvbrefejmtedk df tcb gdrrdwbr)sbnp`dynbkt mka abpdset gy tb`bpcdkb dr ek wreteki wetc tcbbnp`dybr mka abpdsetdry+ Et nust m`sd prdveab fdr tcbrbvbrefejmtedk df ieft `bttbrs dr dtcbr sdurjbs df fukas+ M``rbvbrefejmtedks nust gb adjunbktba ek tcb `dmk fe`b+




:+ M kbw ek.fe`b jrbaet rbpdrt nust gb dgtmekba mka jdnpmrba tdtcb dreiekm` fdr aesjrbpmkjebs+ M`sd, tcb jrbaet rbpdrt nustgb rbjdkje`ba wetc tcb jrbaet mppèjmtedk td abtbrnekb tcmtm`` èmgeètebs wbrb èstba dr prdpbr`y mahustba mkaadjunbktba+

G+ Z_BJEFEJ WB]REWBNBKQZ8 Qcb ]J_ nust prdveab fdr m rbvebw df tcb`dmk dreiekmtedk mka ukabrwreteki fukjtedks ek drabr td8

5$52 6.1

19??+?7 WBV.=

=+ Abtbrnekb wcbtcbr m`` ekjdnb mka bnp`dynbkt amtm es suppdrtbagy wrettbk vbrefejmtedk dr dtcbr adjunbktmtedk, bspbjem``y fdrsb`f.bnp`dyba mppèjmkts mka tcdsb wetc kdk.bnp`dynbkt ekjdnb+Abtbrnekb wcbtcbr tcb `dmk fe`b jdktmeks m fekmkjem` stmtbnbktdr Fbabrm` ekjdnb tmx rbturk ef tcb gdrrdwbr es sb`f.bnp`dyba+

7+ Abtbrnekb wcbtcbr m jdnp`btb mka jurrbkt jdksunbr jrbaetrbpdrt dk tcb gdrrdwbr mka mky jd.nmlbr dr jd.seikbr wmsdgtmekba, mka mky jrbaet ekquerebs rbpdrtba wetcek tcbprbvedus 5? amys wbrb jcbjlba+ Ef ndrb tcmk dkb jrbaet rbpdrtwms dgtmekba, abtbrnekb wcbtcbr m`` ekfdrnmtedk wms jdkseabrbagy tcb ukabrwretbr mka mky aesjrbpmkjebs wbrb rbsd`vba+

:+ Abtbrnekb wcbtcbr m wrettbk vbrefejmtedk df tcb sdurjb dffukas wms dgtmekba tcrduic vbrefejmtedks df abpdset, gmklstmtbnbkts, ieft `bttbrs dr dtcbr wrettbk adjunbktmtedk, wcbktcb prekjepm` gm`mkjb df tcb `dmk bxjbbas !2,??? mka tcbeketem` pmynbkt bxjbbas fevb pbrjbkt df tcb `dmk mndukt+

1+ Abtbrnekb wcbtcbr tcb gdrrdwbr)s bxpbksb.td.ekjdnb rmteds mrbwetcek tcb m``dwmg`b rmteds bstmgèscba gy CRA$FCM, dr tcmttcbrb mrb mpprdpremtb jdnpbksmteki fmjtdrs tcmt suppdrtmpprdvm` df tcb `dmk+

2+ Abtbrnekb wcbtcbr m`` jdkfèjteki ekfdrnmtedk dr aesjrbpmkjebswbrb rbjdkje`ba mka prdpbr`y adjunbktba ek wreteki+

6+ Abtbrnekb wcbtcbr tcb `bkabr jdnp`btba m fmjb.td.fmjb drtb`bpcdkb ektbrvebw wetc tcb mppèjmkt gbfdrb nmleki m fekmàbtbrnekmtedk df jrbaetwdrtcekbss ek drabr td bksurb tcbmjjurmjy df ekfdrnmtedk ek tcb fe`b+ #Wbfbr td 71 JFW7?=+77#m% #5%%+

9+ Abtbrnekb tcmt prdpbr prdjbaurbs wbrb usba td abtbrnekbgdrrdwbr bèiegeèty mka bvmùmteki wcbtcbr tcb `dmk prdjbbaswbrb ektbkaba td gb usba fdr bèieg`b purpdsbs+ #Wbfbr td 71JFW 7?=+7? dr 7?=+7= ms mpprdpremtb+%

5$526.2

19??+?7 WBV.=




3+ Abtbrnekb wcbtcbr tcb prdpbrty enprdvbnbkt `dmk fe`bs jdktmekm`` rbquerba adjunbkts, ekjùaeki gut kdt ènetba td,jdnp`btedk jbrtefejmtbs mka ekspbjtedks df jdnp`btbaenprdvbnbkts+

5+ Abtbrnekb wcbtcbr bmjc nmkufmjturba cdnb `dmk fe`b jdktmeksm`` rbquerba adjunbkts, ekjùaeki gut kdt ènetba td, mp`mjbnbkt jbrtefejmtb mka m setb.df.p`mjbnbkt ekspbjtedk+

=?+ Ycbrb tcb `bkabr mpprdvbs abm`br `dmks, abtbrnekb tcmt tcb`bkabr supbrvesbs mka ndketdrs bmjc abm`br mka vesets tcbabm`br pbredaejm``y+

m+ Abtbrnekb tcmt bmjc abm`br)s mpprdvm` es adjunbktba dk mCRA.mpprdvba fdrn seikba mka amtba gy gdtc pmrtebs+

g+ Abtbrnekb tcmt bmjc abm`br fe`b jdktmeks tcb abm`br)sjurrbkt fekmkjem` stmtbnbkt, ekjùaeki m abtbrnekmtedktcmt tcb abm`br nbbts tcb nekenun kbt wdrtc rbquerbnbktsdf 71 JFW 7?=+79#m% #=%, mka jrbaet rbpdrts dk tcb

abm`brscep mka ets dwkbrs, prekjepm`s mka dffejbrs+

j+ Abtbrnekb tcmt bmjc fe`b jdktmeks adjunbktmtedk df tcb`bkabr)s bxpbrebkjb wetc tcb abm`br)s Qet`b E `dmks,ekjùaeki ekfdrnmtedk dk gdrrdwbr abfmu`ts mka gdrrdwbrjdnp`mekts mka tcber rbsdùtedk+

a+ Abtbrnekb wcbtcbr tcb `bkabr rbvebws tcb abm`br)smavbrteseki aureki tcb tenb df mkkum` rb.mpprdvm` mkaaureki tcb sbne.mkkum` dk.setb vesets td bksurb et eskdt ekmjjurmtb dr nes`bmaeki rbimraeki tcb Qet`b E_rdirmn+

6.1 WB]REWBNBKQZ FDW @DMK ZBWVEJEKI

M+ IBKBWM@ Qcb `bkabr scm`` sbrvejb `dmks ek mjjdramkjb) wetc mjjbptbaprmjtejbs df pruabkt `bkaeki ekstetutedks+ Et scm`` cmvb mabqumtbfmjeètebs fdr jdktmjteki tcb gdrrdwbr ek tcb bvbkt df abfmu`t, mka

5$52 6.6

19??+?7 WBV.=

scm`` dtcbrwesb bxbrjesb aeèibkjb ek jd``bjteki tcb mndukt aub+Qcb `bkabr scm`` gb rbspdkseg`b fdr prdpbr jd``bjtedk bffdrts, bvbktcduic mjtum` `dmk sbrvejeki mka jd``bjtedk nmy gb pbrfdrnba gy mkmibkt df tcb `bkabr+ Qcb `bkabr scm`` cmvb mk drimkezba nbmks df

eabktefyeki, dk m pbredaej gmses, tcb pmynbkt stmtus df abèkqubkt`dmks td bkmg`b jd``bjtedk pbrsdkkb` td eketemtb mka fd``dw.up dkjd``bjtedk mjtevetebs, mka scm`` adjunbkt ets rbjdras td rbf`bjtets jd``bjtedk mjtevetebs dk abèkqubkt `dmks+

G+ Z_BJEFEJ WB]REWBNBKQZ Qcb ]J_ nust prdveab fdr m rbvebw df tcb `dmksbrvejeki fukjtedk ek drabr td8

=+ Abtbrnekb tcmt `dmk sbrvejeki rbjdras mrb prdnpt`y bstmgèscbamftbr `dmk j`dseki dr mjquesetedk mka tcmt tcb sbrvejeki




rbjdras jdktmek tcb ekfdrnmtedk kbjbssmry td prdpbr`y sbrvejbtcb `dmk+ M`sd, abtbrnekb tcmt tcb gdrrdwbrs cmvb gbbkkdtefeba jdkjbrkeki tcb trmksfbr df sbrvejeki+

7+ Abtbrnekb tcrduic m rbvebw df ekaeveaum` `dmk sbrvejekirbjdras tcmt tcb mndukt df fbbs mka jcmribs enpdsba dk tcbgdrrdwbr ad kdt bxjbba tcdsb pbrnettba gy CRA rbiu`mtedks mt71 JFW 7?=+72+

:+ Abtbrnekb tcmt ekquerebs frdn gdrrdwbrs jdkjbrkeki tcberekaeveaum` `dmk mjjdukts mrb prdnpt`y rbspdkaba td+

1+ Abtbrnekb tcmt mk mkm`yses es pbrfdrnba dk m`` `dmks tcmtabfmu`t bmr`y #`bss tcmk 6 pmynbkts% td abtbrnekb tcb jmusb dftcb abfmu`t mka jdkfern tcmt tcb `dmks wbrb ukabrwrettbkprdpbr`y+

2+ Abtbrnekb tcmt gdrrdwbrs mrb prdveaba bvbry rbmsdkmg`bdppdrtukety td rbnbay m abèkqubkjy dr abfmu`t, ekjùaekindaefejmtedk mirbbnbkts dr ekfdrnm` rbpmynbkt p`mks+

6+ Abtbrnekb tcmt mabqumtb jd``bjtedk mjtevetebs mka mjjurmtbadjunbktmtedk df jd``bjtedk bffdrts mrb rbjdraba+

9+ Abtbrnekb tcmt m fmjb.td.fmjb nbbteki dr tb`bpcdkb

5$526.9

19??+?7 WBV.=

ektbrvebw wetc tcb gdrrdwbr es mttbnptba gbfdrb tcb `bkabrtmlbs mky mjtedk td mjjb`brmtb tcb nmturety df tcb `dmk tdaesjuss tcb rbmsdks fdr `mjl df pmynbkt mka td abtbrnekb tcbkbjbssmry stbps td greki tcb `dmk jurrbkt+

3+ Abtbrnekb wcbtcbr tcb kdtejb df abfmu`t mka mjjb`brmtedk es ekjdnpèmkjb wetc tcb rbiu`mtedks #71 JFW 7?=+2?#g% mka Qet`b E@bttbr QE.1?3%+

5+ Abtbrnekb wcbtcbr tcbrb mrb suffejebkt jdktrd`s td mssurb tcmtm`` mspbjts df tcb j`mens fdr eksurmkjb gbkbfets mrb prbpmrba

e e


UNITED STATES OF AMERICA v. WELLS FARGO BANK, N.A. Case 1:12-cv-07527-JMF APPENDIX TO MEMORANDUM OF...

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Transcript of UNITED STATES OF AMERICA v. WELLS FARGO BANK, N.A. Case 1:12-cv-07527-JMF APPENDIX TO MEMORANDUM OF...