1

sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhdsf] sfd sf/f]jf/ ug]{

u'/Ff; n3'ljQ ljQLo ;+:yf lnld6]8 GURANS LAGHUBITTA BITTIYA SANSTHA LIMITED g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkq k|fKt ;+:yf -!) lhNnf sfo{If]q ePsf]_ wgs'6f &, x'nfs 6f]n, wgs'6f g]kfn . kmf]g g+=M )@^—%@!&$^, %@)^!$ E-mail : guranslbbs@gmail.com, Website: www.guranslaghubitta.com.np

sf] -lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

ljj/0f–kq

ljj/0f

jf:tljs k|If]lkt cf=a=

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)&&÷)&*k|lt z]o/ g]6jy{ -?=_ 97=99 73=71 92=72 110=65 136=26 168=36k|lt z]o/ cfDbfgL -?=_ -@=)!_ -@%=&&_ 6=75 15=58 25=60 32=10;+lrt gfkmf÷-gf]S;fg_ -?= xhf/df_ -!$*_ -&#^@_ -$^))_ 4,820 20,298 39,701

ljQLo ;+:yfsf] hf/L kF"hL ?=& s/f]8 &% nfvsf] #@=@^% k|ltztn] x'g cfpg] ?=@ s/f]8 %) nfv /sd a/fa/sf] k|lt z]o/ ?=!))÷— c+lst b/sf @,%),))) lsQf ;fwf/0f z]o/ dWo] hf/L k"FhLsf] )=%% cyf{t #,*&% lsQf z]o/ sd{rf/Lx? tyf ;j{;fwf/0fx?nfO{ 5'§ofPsf] dWo]sf] %% cyf{t !@,%)) lsQf z]o/ ;fd'lxs nufgL sf]ifsf] nflu ;'/lIft u/L afFsL /xg] @,##,^@% lsQf ;fwf/0f z]o/x?sf] ;fj{hlgs lgisfzg .

b/vf:t;fy k|lt ;fwf/0f z]o/ ?=!))÷— sf b/n] ztk|ltzt e'QmfgL dfu ul/Psf] .

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg d'Non] ;"lrs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .

g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M @)&%÷!@÷@^ lwtf]kq lgisfzg v'Nnf x'g] ldlt M @)&^÷!÷!^ sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&^÷!÷# lwtf]kq lgisfzg aGb x'g] ldlt -l56f]df_ M @)&^÷!÷@) lwtf]kq lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&^÷@÷!$

lwtf]kq lgisfzg tyf laqmL k|aGws

lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0f M o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[tL k|bfg u/]sf] 5 . o;/L af]8{n] :jLs[tL k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf plNnlvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df sg} k|sf/sf] k|Tofet u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .

2

!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M -s_ æljj/0fkqÆ eGgfn] ;fj{hlgs ?kdf z]o/ lgisfzg ug{ lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g,

@)^# sf] bkmf @# cGtu{t tof/ kf/L k|sflzt lgisfzg sDkgLsf] ;Gbe{df nufgLstf{x?nfO{ hfgsf/L lbgsf] nflu ul/Psf] k|:t't k'l:tsfnfO{ ;Demg' kb{5 .

-v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+nfO{ ;Demg'

kb{5 . -u_ æljQLo ;+:yfÆ eGgfn] lgisfzg stf{ sDkgL u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8nfO{ ;Demg' kb{5 . -3_ æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{

;Demg' kb{5 . -ª_ ælgisfzg a}+sÆ eGgfn] lgisfzg tyf laqmL k|aGws ;Fu ;Demf}tf u/L lwtf]kq lgisfzgsf qmddf cfj]bsaf6 k|fKt

x'g] /sd hDdf ug{ lhDd]jf/L lng] afl0fHo a}+s tyf /fli6«o :t/sf] ljsf; a}+snfO{ ;Demg' kb{5 . -r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 . -5_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgÆ eGgfn] u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8sf ;+:yfks,

;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgnfO{ ;Demg' kb{5 .

-h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 . @= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug{ ;lsg] ;+:yfsf] gfd / 7]ufgf M != PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+ / j]a;fO6 M www.niblcapital.com @= u'/fF; n3'ljQ ljQLo ;+:yf lnld6]8, x'nfs 6f]n, wgs'6f / j]a;fO6 M www.guranslaghubitta.com.np

l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M != g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf ;Dk"0f{ cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx? /

ltgsf tf]lsPsf zfvf sfof{nox? .

3

!= lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ n3'ljQ ljQLo ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; ;+:yfsf] Aoa:yfklso, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[tLsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL P]g @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f}+ .

@= ;+ul7t ;+:yfsf] pb\3f]if0f M -s_ ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? AolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ sL tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;";'lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .

-v_ ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M o; u'/fF; n3'ljQ ljQLo ;+:yf ln=n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0fx? afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]xLtf ;+ul7t ;+:yfdf g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .

-u_ lgodg lgsfosf] lgodg Aoa:yfsf] kfngf ;DaGwL pb\3f]if0f M k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Aoa;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s cfbL_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Aoa:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{ / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ . ;fy} o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfof{nodf cfly{s aif{ @)&$÷)&% ;Ddsf] ljj/0f k]z u/]sf] x'gfn] pQm cfly{s aif{ ;Dddf o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] / ;f] Aoxf]/fsf] hfgsf/L sDkgL /lhi6«f/sf] sfof{nosf] ldlt @)&%÷)*÷!@, r=g+=!^^*(÷)&%÷&^ sf] kqaf6 k|fKt ePsf] 5 .

-3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M != o; ljQLo ;+:yfsf] ;+:yfks, ;+rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ . @= o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L k|d'v

5}gg\ . #= ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 kF"hL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{ x?sf]

lxt ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; n3'ljQ ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v 5}gg\ .

$= lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Aoa;foLsf] cg'dlt vf/]h ePsf] bz aif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v 5}gg\ .

%= o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;+rfns jf sfo{sf/L k|d'v cof]Uo /x]sf 5}gg\ .

4

#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M

-s_ ;+ul7t ;+:yfsf] k[i7e"dL M -s_ ;+:yfsf] gfd M u'/fF; n3'ljQ ljQLo ;+:yf ln= (Gurans Laghubitta Bittiya Sanstha Ltd.) -v_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M o; ljQLo ;+:yf sDkgL P]g, @)^# adf]lhd ldlt @)&#÷@÷@ df g]kfn ;/sf/,

sDkgL /lhi6«f/sf] sfof{nodf klAns sDkgLsf] ?kdf btf{ ePsf] xf] . a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ ldlt @)&#÷&÷@@ df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug{ :jLs[t k|fKt u/L bz lhNnf sfo{If]q ePsf] æ3Æ au{sf] ljQLo ;+:yfsf] x}l;otn] ldlt @)&#÷*÷!# ut]b]lv n3'ljQ sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 .

-u_ ;+:yfsf] /lhi68{ 7]ufgf M o; ljQLo ;+:yfsf] /lhi68{ -k|wfg sfof{no_ sfof{no wgs'6f &, x'nfs 6f]n, wgs'6fdf /x]sf] 5 . -3_ sf/f]jf/ ug]{ d'Vo :yfg M o; ljQLo ;+:yfsf] sf/f]jf/ :yfg wgs'6f, t]x|y'd, ;+v'jf;ef, ef]hk'/, cf]vn9'Ëf, tfKn]h'ª,

kfFry/, Onfd, df]/ª / ;'g;/L u/L !) lhNnf /x]sf] 5 / g]kfn /fi6« a}+ssf] :jLs[t lnO{ cfjZostf cg';f/ zfvf, pkzfvf jf cGo sfof{no vf]ln ljQLo sf/f]af/ ug{ ;Sg]5 . xfn o; ljQLo ;+:yfn] /lhi68{ sfof{nosf] cnfjf b]xfosf :yfgx?df /x]sf] zfvf sfof{nox?af6 cfkm\gf] n3'ljQ sf/f]af/ ub}{ cfO/x]sf] 5 .

qm=;+= sfof{nosf] gfd sfof{no /x]sf] :yfg != zfvf sfof{no wgs'6f wgs'6f g=kf= –&, wgs'6f @= zfvf sfof{no 8f+8fahf/ ;fFu'/Lu9L uf=kf= –!, wgs'6f #= zfvf sfof{no l;w'jf 5y/hf]/kf6L uf=kf=–^, wgs'6f $= zfvf sfof{no c+flv;Nnf Zlxb e'dL uf=kf=–^, wgs'6f %= zfvf sfof{no d'8]zlgZr/] wd{b]jL g=kf–#, ;+v'jf;ef ^= zfvf sfof{no lh/LvLDtL Dofªn'ª g=kf=–^, t]x|y'd &= zfvf sfof{no /f+s] kmfNu'gGb uf=kf=–$, kfFry/ *= zfvf sfof{no hf]/kf]v/L lxlnxfª uf=kf=–$, kfFry/ (= zfvf sfof{no tfKn]h'Ë km'ª\lnª g=kf=–(, tfKn]h'ª !)= zfvf sfof{no gofF ahf/ dfO{hf]udfO{ uf=kf=–!, Onfd !!= zfvf sfof{no k'iknfn rf}s a'l9u+Uff uf=kf=–!, df]/ª !@= zfvf sfof{no b'nf/L ;'Gb/x/}rf g=kf=–$, df]/ª !#= zfvf sfof{no a'4rf}s b'xaL g=kf=–!), ;'g;/L !$= zfvf sfof{no s]/f}g sfg]kf]v/L uf=kf–%, df]/ª !%= zfvf sfof{no x;Gbx ky/L zlgZr/] g=kf=–^, df]/ª !^= zfvf sfof{no s;]gL a]njf/L g=kf= –%, df]/ª !&= zfvf sfof{no d+unaf/] pnf{jf/L g=kf=–#, df]/ª !*= zfvf sfof{no sfnfaGhf/ a/fxf g=kf=–%, ;'g;/L !(= zfvf sfof{no lrd8L ah'{ uf=kf=–^, ;'g;/L @)= zfvf sfof{no Og?jf Og?jf g=kf=–!, ;'g;/L @!= zfvf sfof{no /fdk'/ df]n'ª uf=kf=–@, cf]vn8'Ëf @@= zfvf sfof{no KofpnL c?0f uf=kf=– #, Ef]fhk'/ @#= zfvf sfof{no /+u]nL /+u]nL g=kf=–*, df]/ª

-ª_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn ;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d"Vo p2]Zox? M o; ljQLo ;+:yf sDkgL P]g, @)^# adf]lhd ldlt @)&#÷@÷@ ut] g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns

sDkgLsf] ?kdf btf{ ePsf] xf] . a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ ldlt @)&#÷&÷@@ df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug{ :jLs[t k|fKt u/L wgs'6f, t]x|y'd, ;+v'jf;ef, ef]hk'/, cf]vn9'Ëf, tfKn]h'ª, kfFry/, Onfd, df]/ª / ;'g;/L ;d]t !) lhNnf sfo{If]q ePsf] æ3Æ au{sf] ljQLo ;+:yfsf] x}l;otn] ldlt @)&#÷*÷!# ut] b]lv n3'ljQ sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 . o; ljQLo ;+:yfsf ;+:yfksx?df laleGg a}+s tyf ljQLo ;+:yf, ;xsf/L If]q, aLdf If]q, ;/sf/L, u}/ ;/sf/L, z}lIfs If]q, s[lif pBf]u tyf Aofkf/ If]q Pj+ Aoa:yfkg If]qdf nfdf] ;do b]lv bvn ePsf k|ltli7t JolQmx? /xg' ePsf] 5 .

5

ljQLo ;+:yfsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd g]kfn /fi6« a}+s P]g, @)%*, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] clwgdf /xL n3'ljQ sf/f]af/ ug]{ o; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd x'g]5 M

-s_ ljQLo ;+:yfsf] lgIf]kstf{sf] xs–lxtsf] ;+/If0f / ;Dj4{g ub{} :j:y k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf{] ljQLo dWo:ytf ;]jf pknJw u/fpg],

-v_ s[lif, pBf]u, ;]jf, Aofkf/ tyf cGo Joj;flos ¿kn] ;DefAo b]lvPsf pTkfbgzLn Aoj;fosf] :yfkgf, ljsf;, la:tf/ / Ifdtf Pjd\ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Aofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],

-u_ pknAw >d tyf k'FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/Ld"ns Aoj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|j4{g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Aoj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ¿kdf ;+nUg eO{ ;xof]u k'¥ofpg],

-3_ ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbfl/s/0fdf d2t k'¥ofO{ b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9 agfpg ;xof]u k'¥ofpg] .

-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZjf;lgotf clea[l4 ug{ ;xof]u k'¥ofpg] .

-r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy} To;df ePsf] nufgLsf] c+z -k|ltztdf_ M

;f] gePsf] .

-5_ cGo ljj/0fx? M -!_ ;+ul7t ;+:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df u|fxs ;b:ox?af6 lgIf]k -art_ ;+sng, shf{ k|jfx / lak|]if0f e'QmfgL ;]jf ;d]t

k|bfg ug{ ;lsg] /x]sf]5 . -@_ k|of]u ePsf] jf ul/g] k|ljlw M of] ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jfx? h:t}M u|fxs ;b:ox?af6 lgIf]k -art_

;+sng, shf{ k|jfx, ljdf clestf{ / lak|]if0f e'QmfgL ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg /x]sf] 5 . -#_ s'g} a|f08g]d, k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;+:yf;Fu ;DalGwt af}l4s ;DklQ

xs clwsf/ M ;f] gePsf] . -$_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]qM ldlt @)&#÷&÷@@ ut] ljQLo ;+:yfsf] ?kdf n3'ljQ sf/f]af/ ug{ g]kfn /fi6« a}+saf6 Ohfht k|fKt u/L ldlt @)&#÷*÷!#

ut]b]lv æ3Æ au{sf] !) lhNnf sfo{If]q ePsf] ljQLo ;+:yfsf] x}l;otn] wgs'6f, t]x|y'd, ;+v'jf;ef, ef]hk'/, cf]vn9'Ëf, tfKn]h'ª, kfFry/, Onfd, df]/ª / ;'g;/L l:yt hDdf @# j6f zfvf sfof{nox?af6 cfkm\gf] ;]jf lj:tf/ u/L To; If]qsf sl/j !!,&)) ljkGg au{sf dlxnf tyf k'?if ;b:ox?nfO{ cfkm\gf] n3'ljQ ;]jf k|bfg ub}{ cfO/x]sf] 5 . xfn o; ljQLo ;+:yfn] art ;+sng sl/j ?=* s/f]8 %) nfv tyf shf{ k|jfx sl/a ?=%& s/f]8 k'/\ofpg ;kmn /x]sf]5 .

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M eljiodf cfjZostf cg';f/ n3'ljQ ljQLo sf/f]af/ ;DaGwL gofF of]hgf tyf ;]jfsf] ljsf; u/L ;DefAo u|fxsx?sf]

klxrfg u/]/ cfkm\gf] Aofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 . -^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M ljQLo ;+:yfsf] k|d'v ahf/ xfn wgs'6f, t]x|y'd, ;+v'jf;ef, ef]hk'/, cf]vn9'Ëf, tfKn]h'ª, kfFry/, Onfd, df]/ª / ;'g;/L

u/L hDdf !) lhNnf /x]sf]n] cfkm\gf] sfo{If]q cGtu{tsf zfvf sfof{nox? dfkm{t x/]s au{sf u|fxssf] cfjZostf cg'?k g} ;]jfx? pknAw u/fpFb} n}hfg] ljQLo ;+:yfsf] nIf /x]sf] 5 .

-&_ pTkfbg÷;+rfng Ifdtf / ;f] sf] pkef]u l:ylt M a}+s tyf ljQLo ;+:yfx?df nfdf] cg'ej xfl;n ug'{ ePsf ;~rfns÷Aoa:yfkg bIftfsf] cfwf/df o; ljQLo ;+:yfn]

:yfkgfsf] 5f]6f] ;dodf g} ljQLo ahf/sf] /fd|f] lx:;f cf]u6\g / cfkm\gf ;]jfu|fxLx?nfO{ /fd|f] ;]jf k|bfg ug{ ;kmn /x]sf] b]lvG5 .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] . -(_ u'0f lgoGq0fsf] nflu ul/Psf] Aoa:yf M a}+s tyf ljQLo ;+:yf, z}lIfs If]q, ;/sf/L ;]jf, pBf]u Pj+ Aofkfl/s If]qdf nfdf] cg'ej xfl;n ug'{ ePsf

;~rfns÷Aoa:yfkg ;d"x ;]jfu|fxLx?sf] u'0f:t/Lo ;]jf, ;'ljwf tyf ;Gt'li6sf] nflu tTk/ /x]sf] 5g\ .

6

-!)_ cg';Gwfg tyf ljsf; M g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e'lddf ljQLo ;+:yfn] cg';Gwfg tyf ljsf;nfO{

pRr k|fyldstf lbO{ ;f] sfo{sf] nflu 5'§} clws[t lgo'Qm ul/g]5 . h;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf cfjZos kl/dfh{gx? ug]{, gofF ;]jfx?sf] pko'Qmtfsf] ;DaGwdf Aoa:yfkgnfO{ ;'emfj pknAw u/fpg]5 . ;fy} ljQLo ;+:yfn] u|fxsau{df gofF lgIf]ksf] of]hgfx?, u|fxsd'vL ;/n shf{ ;'ljwf / ljZj;gLo gofF gofF k|ljlwsf] k|of]u u/L cfkm\gf u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf k|bfg ug]{ nIo /fv]sf] 5 .

-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M ;f] gePsf] .

-!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] . -!#_ ahf/ k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:yltM ljQLo sf/f]af/sf] lx;fjn] s]jn sl/j @ aif{ cjlwsf] ljQLo ;+:yf ePtfklg cfkm\gf sfo{If]qdf ;+rflnt cGo ;dfg ljQLo

;+:yfx? aLr o; ljQLo ;+:yfn] cfkm\gf l:yltnfO{ dha'b agfpFb} nu]sf] 5 . ;dfg k|s[ltsf ;+:yfx? aLr k|lt:kwf{ ePtfklg cfkm\gf] 5'§} klxrfg agfpg ;kmn eO{ n3'ljQsf] ahf/df cfkm\gf] :yfg cf]u6\g ;kmn /x]sf]5 .

-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f M

;f] gePsf] . -!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf

Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f M ;f] gePsf] .

-v_ ;DklQsf] ljj/0f M -s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M ljQLo ;+:yfsf] cf=a=)&$÷)&% ;Ddsf] ;DklQsf] cj:yf tn pNn]v u/] adf]lhd /x]sf] 5 .

ljj/0f

;DklQ o; aif{ -?=_ ut jif{ -?=_ kl/jxg

;fwg sDKo'6/ sfof{no

;fdfg cGo

k/ndf]n s= ut jif{sf] df}Hbft – !&$$@(& #^$!!* #(@%%^! ^)##(&% – v= o; jif{ yk $@)()) @*^!(& !%&$&^* @@*!*^% ^)##(&^u= o; jif{ k"gd"{Nof°g÷k'gn]{vg #= o; jif{sf] ljqmL ª= o; jif{sf] ckn]vg s'n k/ndf]n $@)()) @)#)$(% #^$!!* %%))#@( *#!%*$! ^)##(&^x|f;s§L s= ut jif{ ;Ddsf] !$&$%$ $*@*# #&)*!! %^^%$*v= o; jif{sf] #!((@ $%#!@& &@*@$ !)&@*%^ !^#)&(( %^^%$*u= x|f;s§L k"gd{"Nof°g÷k"gn]{vg #= o; jif{sf] ljqmL s"n x|f;s§L #!((@ ^))%*! &@*@$ !)&@*%^ @!(&#$& %^^%$*a"s Eofn" #**()* !$@((!# @$#)!! $)%^^^@ ^!!*$(# %$^&$@*hUuf k"+hLut lgdf{0f nLhxf]N8 ;DklQ

hDdf #**()* !$@((!# @$#)!! $)%^^^@ ^!!*$(# %$^&$@*-v_ aF"bf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt

;d]t pNn]v ug'{ kg]{ _ M pQm a'Fbfdf pNn]lvt ;DklQ ljQLo ;+:yfsf] cfkm\g} :jfldTjsf] xf] . -u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .

7

-3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf ;f] sf] ljj/0fM ljQLo ;+:yfsf] ;Dk"0f{ ;DklQ k'gd"{NofÍg gul/Psf] x'Fbf lstfjL d"No / ahf/ d"No aLr km/s gePsf] . -ª_ ;DklQsf] d"Nof+sg ul/Psf] t/Lsf ;DaGwL ljj/0f M k/ndf]ndf lgodfg';f/ ug'{kg]{ x|f; s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{ ;DklQsf] ?kdf /flvPsf] 5

/ ;f] sf] k'gd"{NofÍg ul/Psf] 5}g\ . -u_ efjL of]hgf tyf /0flgtL M

-s_ Aoa;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLlt M ljQLo ;+:yfn] cfkm\gf] Aoa;fo÷;]jfsf] a[l4sf nflu rflng] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doa4 /0fgLlt lgDgfg';f/ 5g\ . — cfudL lbgx?df zfvf la:tf/df yk hf]8 lbg] . — ljQLo ;+:yfn] cfkm\gf\ zfvf lj:tf/sf] lx;fjn] lgIf]k ;+sng tyf shf{ k|jfx ug]{5 . — eljiodf ;d]t u|fxsx?af6 dfu eP adf]lhdsf ;]jf ;'ljwfx? cfkm\gf u|fxs au{df Nofpg k|oTg/t /xg] 5 . — ;]jfu|fxLx?sf] ;+Vofdf a[l4 ub}{ nlug] 5 . — ;do ;fk]If ?kdf sfo{If]q lj:tf/ u/L ;+:yfsf] bfo/f km/flsnf] agfpFb} nlug] 5 . — ;du| shf{sf] u'0f:t/nfO{ pRr:t/df /fVg] / shf{ tyf ;fk6df k|fKt x'g] k|ltkmnnfO{ pRr /fVg shf{ nufgLdf

ljljlws/0f ug]{ . — eljiodf ;j{;fwf/0fx?df ;fwf/0f z]o/ hf/L u/L o; ljQLo ;+:yfsf] r'Qmf kF"hL ?=& s/f]8 &% nfv k'/\ofpg] 5 . — k|aGwkqsf] bkmf $ df pNn]v eP adf]lhdsf p2]Zox? xfl;n ug{sf nlu n3'ljQ sf/f]af/x? lj:tf/ ub}{ n}hfg] 5 . n3'ljQ sf/f]af/ ug]{ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx?, n3'ljQ ;+:yfn] k|bfg u/]sf] tyf eljiodf k|bfg ul/g] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvd, b]zsf] /fhg}lts kl/l:yltaf6 cfpg ;Sg] hf]lvdx?, b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx?, g]kfn ;/sf/sf] cfly{s gLlt tyf g]kfn /fi6« a}+ssf] ljQLo gLltdf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx?, k"+lhsf] nfut tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx?, k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx?, cGt/f{li6«o ahf/df x'g] dGbLaf6 g]kfnsf] ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx?, b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ gLlt, lgod / lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx?, b]zsf] a}b]lzs gLltdf x'g ;Sg] kl/jt{g tyf ljb]zL d'b|fsf] ljlgdo b/df 36\a9 eO{ pTkGg x'g ;Sg] ;Defljt hf]lvdx? tyf n3'ljQ ;+:yfn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL ubf{ lwtf]kqsf] d"Nodf kl/jt{gsf sf/0f pTkGg x'g;Sg] hf]lvdx? nufot ;Dk"0f{ hf]lvdx?sf] uxg cWoog / ljin]z0f u/L pQm hf]lvdx? Go"lgs/0f ub}{ hfg] /0fgLlt ljQLo ;+:yfn] lnPsf] 5 .

-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] eljio M xfn b]zsf] a}+lsË jftfj/0f cToGt k|lt:kwf{Tds 5 . ljutsf] 5f]6f] cjlwdfg} w]/} n3'ljQ ;]jf k|bfos ;+:yfx? / :yfgLo txdf ;xsf/L ;+:yfx? :yfkgf eO{ ;+rfngdf cfO/x]sf 5g\ . of] kl/l:yltn] ubf{ Psftkm{ b]zsf] a}+lsË jftfj/0f a9L k|lt:kwf{Tds x'g] b]lvG5 eg] csf{] tkm{ ljutsf s]xL ;dootf b]vf k/]sf] /fli6«o tyf cGt/f{li6«o kl/l:yltn] b]zsf] cfly{s l:yltsf] af/]df s]xL lrlGtt x'g'kg{] l:ylt ;d]t /x]sf] 5 . of] cj:yfn] b]zsf] a}+lsË Joj;fonfO{ s]xL xb ;Dd k|efj kfg]{ b]lvPtf klg xfn;Ddsf] o; ljQLo ;+:yfsf] kl/l:yltnfO{ d"NofËsg ubf{ ljQLo ;+:yfsf] cj:yf ;Gtf]ifhgs b]lvG5 . t;y{, b]zsf] n3'ljQ Joj;fo aLrsf] k|lt:k|wf{, ljBdfg cfly{s l:ylt / xfn ;Ddsf lbgx?df ljQLo If]qn] pT;fxhgs ;kmntf kfO{/x]sf] cfwf/df o; ljQLo ;+:yfn] :yfkgfsfn b]lv g} u|fxsx?sf] rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx? k|bfg u/]/ pknJw >f]t / ;fwgsf] clwstd ?kdf kl/rfng u/L pT;fxhgs pknAwL xfl;n u/]sf] 5 . To;sf/0f ljBdfg pknAwLx? Pj+ k|:t't efjL of]hgfx?sf] cfwf/df o; ljQLo ;+:yfsf] eljio ;'9[9 x'g] b]lvG5 .

-3_ ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DjGwL Joj:yf M -s_ ;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL

Aoa:yf M o; ljQLo ;+:yfsf] lgodfjnLsf] lgod @& -@_ df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;+rfnsx? /x]sf] ;+rfns ;ldlt b]xfo adf]lhd u7g x'g]5 . ;+:yfks z]o/wgLx?af6 dgf]lgt÷lgjf{lrt $ hgf;j{;fwf/0f z]o/wgLx?af6 dgf]lgt÷lgjf{lrt @ hgf:jtGq ;+rfns ! hgf

hDdf & hgf

8

o; ljQLo ;+:yfsf] ;+rfns x'gsf] nflu g]kfn /fi6« a}+sn] hf/L u/]sf] æa}+s tyf ljQLo ;+:yfsf ;+rfns / sfo{sf/L k|d'v lgo'QmLsf nflu cfjZos of]Uotf tyf sfo{ cg'ej ;DaGwL ljlgojfnL, @)&$Æ df ePsf] Aoa:yf adf]lhd of]Uo x'g' kg]{5 . o; ljQLo ;+:yfsf] lgodfjnLsf] bkmf @* df Joj:yf eP cg';f/ o; ljQLo ;+:yfsf] ;+rfnssf] kbdf lgo'Qm x'gsf nflu s'g} klg z]o/wgLn] cfkm\gf] gfddf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g' kg]{5 . t/ :jtGq ;+rfns tyf ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;+rfnssf] xsdf of] Aoa:yf nfu' x'g] 5}g . ;+rfnssf] sfo{sfn $ -rf/_ aif{sf] x'g]5.

$= k"FhL ;+/rgf ;DaGwL hfgsf/L M

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M

!= clws[t k"FhLM o; ljQLo ;+:yfsf] clws[t k"FhL ?=!) s/f]8 /x]sf] 5, h;nfO{ k|lt z]o/ ?=!))÷— sf b/n] hDdf !) nfv lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

@= hf/L k"FhLM o; ljQLo ;+:yfsf] hf/L k"FhL ?=& s/f]8 &% nfv /x]sf] 5, h;nfO{ k|lt z]o/ ?=!))÷—sf b/n] hDdf & nfv &% xhf/ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

#= r'Qmf k"FhLM o; ljQLo ;+:yfsf] hf/L ePsf] & nfv &% xhf/ lsQf ;fwf/0f z]o/ dWo] ?=% s/f]8 @% nfv a/fa/sf] ?=!))÷—b/sf] %,@%,))) lsQf ;fwf/0f z]o/ ;+:yfks z]o/wgLx?sf] gfddf afF8kmfF8 eO{ hDdf ?=% s/f]8 @% nfv /sd r'Qmf e'Qmfg eO{;s]sf] 5 . o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] afF8kmfF6 kZrft ljQLo ;+:yfsf] r'Qmf kF"hL ?=& s/f]8 &% nfv x'g]5 .

clws[t,hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M o; ljQLo ;+:yfsf] :yfkgf kZrft kF"hLdf ePsf] kl/jt{g ;DaGwL ljj/0f M

qm=;+= cfly{s aif{ clws[t k"FhL -?=_ hf/L kF"hL -?=_ r'Qmf kF"hL -?=_ != )&#÷)&$ xfn ;Dd kl/jt{g gePsf] . ?=$,)),)),)))÷— ?=@,*),)),)))÷— @= )&$÷)&% xfn ;Dd kl/jt{g gePsf] . ?=^,)),)),)))÷— ?=$,@),)),)))÷— #= )&%÷)&^ xfn ;Dd kl/jt{g gePsf] . ?=&,&%,)),)))÷— ?=%,@%,)),)))÷—

-v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M ;j{;fwf/0fnfO{ z]o/ lgisfzg u/L afF8kmFf6 u/] kZrft x'g] ljQLo ;+:yfsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5M

;d"x Zf]o/wgL z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt s ;+:yfks z]o/wgLx? %,@%,))) ^&=&$% %,@%,)),)))÷— ztk|ltzt v ;j{;fwf/0f z]o/wgLx? -sd{rf/L ;d]t_ @,%),))) #@=@^% @,%),)),)))÷— ztk|ltzt hDdf &,&%,))) !))% &,&%,)),)))÷—

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M lgisfzg ul/g] z]o/ lk|ldoddf geO{ c+lst d'Nodf hf/L ul/g] ePsf]n] z]o/ lk|ldod vftfsf] cfjZostf gePsf] .

%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M -s_ ;+:yfks÷;+rfnssf] k[i7e"dL M

-s_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej, / k|:tfljt Aofkf/÷Aoj;fodf cg'ej M

cfwf/e't z]o/wgLsf] ljj/0f M

l;=g+=

gfd

kb pd]/ -aif{_

/fli6«otf

7]ufgf z]o/

:jfldTjz}lIfsof]Uotf

k|:tfljt Aofkf/÷Aoa;fo

df cg'ej

cGo If]qsf] cg'ej

!= pbogf/fo0f a/fn

cWoIf #( aif{

g]kfnL lj/f6gu/ d=g=kf=

jf8{ g+ $, df]/ª

$!@%) Pd=P= ;+:yfks cWoIf u'/fF; n3'ljQ ljQLo ;+:yf ln= .

;xsf/L If]qdf Joj:yfks tyf cWoIfsf] ?kdf sl/j @) aif{sf] cg'ej .

k|f]k|fO6/ lqzlQm ;Knfo;{ lj/f6gu/ .

cWoIf u'/fF; xjf{:o"l6sN; k|f=ln=

k'a{ cWoIf nfoG; Sna la/f6gu/ u'/fF;

9

@= dbg vltj8f ;+:yfks $$ aif{

g]kfnL lj/f6gu/ d=g=kf= jf8{ g+ %,

df]/ª

$!@%) Pd=la=P;=

;+:yfks u'/fF; n3'ljQ ljQLo ;+:yf ln .

g]kfn OG:of]/]G; sDkgL ln= df zfvf k|aGws ;lxt !^ aif{b]lv sfo{/t .

;~rfns u'/fF; xjf{:o"l6sN; k|f=ln= .

lålto pkfWoIf nfoG; Sna la/f6gu/ u'/fF; .

#= /fh'k|;fb clwsf/L

;+rfns #$ aif{

g]kfnL lj/f6gu/ d=g=kf=

jf8{ g+ $, df]/ª

$!@%) Pd=la=P;=

;+:yfks ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln .

cf}ifwL sDkgLsf] If]lqo k|aGwssf] ?kdf @)^@ xfn;Dd sfo{/t .

;xsf/L If]qdf laleGg ;ldlt ÷pk ;ldltdf !% aif{sf] sfo{ cg'ej .

;~rfns u'/fF; xjf{:o"l6sN; k|f=ln= .

k|yd pkfWoIf nfoG; Sna la/f6gu/ u'/fF; .

$= czf]s uf}td ;+:yfks %^ aif{

g]kfnL lj/f6gu/ d=g=kf=

jf8{ g+ $, df]/ª

$!@%) Pd=lk=P=

;+:yfks u'/fF; n3'ljQ ljQLo ;+:yf ln .

g]kfn ;/sf/ k|zf;g ;]jf n]vf ;d'x, n]vf clws[t ;lxt #^ aif{sf] cg'ej .

;fdflhs ;+:yf nfoG; Snadf cfa4 .

;+rfnsx?sf] ljj/0f M l;=g+= gfd kb pd]/ /fli6«otf 7]ufgf z]o/

:jfldTjz}lIfsof]Uotf

k|:tfljt Aofkf/÷Aoa;fo

df cg'ej

cGo If]qsf] cg'ej

!= pbogf/fo0f a/fn

cWoIf #( aif{

g]kfnL lj/f6gu/ d=g=kf=

jf8{ g+ $, df]/ª

$!@%) Pd=P= ;+:yfks cWoIf u'/fF; n3'ljQ ljQLo ;+:yf ln= .

;xsf/L If]qdf Joj:yfks tyf cWoIfsf] ?kdf sl/j @) aif{sf] cg'ej .

k|f]k|fO6/ lqzlQm ;Knfo;{ lj/f6gu/ .

cWoIf u'/fF; xjf{:o"l6sN; k|f=ln= .

k'a{ cWoIf nfoG; Sna la/f6gu/ u'/fF;

@= s[i0fk|;fb uf}td

;+rfns ^* aif{

g]kfnL lj/f6gu/ d=g=kf= jf8{ g+ #,

df]/ª

!*&%) la=P= ;+:yfks ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln .

s[lif ljsf; a}sdf If]lqo ;xfos k|aGws ;lxt #) aif{sf] sfo{ cg'ej .

#= /fh'k|;fb clwsf/L

;+rfns #$ aif{

g]kfnL lj/f6gu/ d=g=kf=

jf8{ g+ $, df]/ª

$!@%) Pd=la=P;=

;+:yfks ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln .

cf}ifwL sDkgLsf] If]lqo k|aGwssf] ?kdf @)^@ xfn;Dd sfo{/t .

;xsf/L If]qdf laleGg ;ldlt ÷pk ;ldltdf !% aif{sf] sfo{ cg'ej .

;~rfns u'/fF; xjf{:o"l6sN; k|f=ln= .

k|yd pkfWoIf nfoG; Sna la/f6gu/ u'/fF; .

10

$= lu/L/fh kf]v/]n

;+rfns $^ aif{

g]kfnL a'9f lgns07 g= kf= #, sf7df08f}

!*&%) la=P= ;+:yfks ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln=

df5fk'5|]« a}sdf clws[tsf] ?kdf !% aif{sf] sfo{ cg'ej .

%= laho s'df/ bfxfn

;+rfns $# aif{

g]kfnL lj/f6gu/ d=g=kf= jf8{ g+ ^,

df]/ª

!*&%) Pd=P= ;+:yfks ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln .

k|fWofkg k]zfdf !@ jif{b]lv sfo{/t . ;fdflhs ;+:yf nfoG; Snadf cfa4 .

^= k|sfzrGb|

uf}td :jtGq ;+rfns

^# aif{

g]kfnL lj/f6gu/ d=g=kf= jf8{ g+ #,

df]/ª

– la=P= :jtGq ;~rfns u'/fF; n3'ljQ ljQLo ;+:yf ln @)&% >fj0f b]lv .

g]kfn ;/sf/ /fhZj k|zf;gdf s/ clws[t ;lxt #) aif{sf] sfo{ cg'ej .

o; u'/fF; n3'ljQ ljQLo ;+:yf ln= sf] lg= k|d'v sfo{sf/L clws[tsf] ?kdf >L gu]Gb| ld> sfo{/t /xg' ePsf] 5 . lj/f6gu/ dxfgu/kflnsf j8f g+=– *, df]/ª :yfoL a;f]jf; ug'{ ePsf >L gu]Gb| ld>n] :gfts;Ddsf] z}lIfs of]Uotf xfFl;n u/L n3'ljQ If]qsf] pRr Joj:yfklso txdf /lx sl/j @@ jif{sf] sfo{ cg'ej xfFl;n ug'{ ePsf] 5 . -v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm

sDkgL÷;+:yfsf ;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M ;f] gePsf] . -u_ ;+ul7t ;+:yfsf] ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g ;Fu cfj4 eP To:tf] ;+rfns / cfj4 ePsf] ;+:yfsf]

gfd, 7]ufgf M

l;=g+= ;+rfnssf] gfd cfj4 /x]sf] ;+:yfsf] gfd, 7]ufgf != pbogf/fo0f a/fn u'/fF; xjf{:o"l6sN; k|f=ln= lj/f6gu/ # df]/ª . @= s[i0fk|;fb uf}td g/x]sf] . #= /fh'k|;fb clwsf/L u'/fF; xjf{:o"l6sN; k|f=ln= lj/f6gu/ # df]/ª . $= lu/L/fh kf]v/]n g/x]sf] . %= lahos'df/ bfxfn g/x]sf] . ^= k|sfzrGb| uf}td g/x]sf] .

o; ljQLo ;+:yfsf ;+rfnsx?n] æ;"rLs[t ;Ël7t ;+:yfx¿sf] ;+:yfut ;'zf;g ;DaGwL lgb{]lzsf, @)&$Æ sf] Joj:yfx? kfngf ul/Psf] tyf sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ 5 sf] kfngf ul/Psf] ;DaGwdf ljQLo ;+:yf k|lta4 /x]sf] 5 .

-3_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M -s_ g]kfn /fi6« a+}ssf] k"j{ :jLs[lt glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a+}s jf ljQLo ;+:yfnfO{ laqmL jf x:tfGt/0f ul/g]

5}g . -v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfO{g] 5}g . -u_ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk']u;Dd ;f] ;+:yfsf] ;+:yfksn] cfkm\gf] z]o/ laqmL jf lwtf]aGws /fVg

kfpg] 5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg{]5 . o; Joj:yf adf]lhd ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg ljQLo ;+:yfsf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ vl/b ug{ rfx]df gLhn] wf/0f u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+rfns ;ldltsf] lg0f{o adf]lhd cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg]5 .

-3_ s'g} z]o/wgLsf] d[To' ePdf jf k|rlnt sfg"g adf]lhd kfl/jfl/s c+za08f ePdf jf cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu' x'g] 5}g .

11

-ª_ ljQLo ;+:yfsf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf axfn /x+bfsf] jvt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{ x'+b}g . t/ gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltjGw nfu' x'g] 5}g .

-r_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf P]g, @)&#, sDkgL sfg"g, lwtf]kq sf/f]jf/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .

-5_ ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#Æ df ePsf] Aoa:yf cg'?k lwtf]kq ;fj{hlgs lgisfzg ug{ ;Sg] u/L ;+:yflkt ;+ul7t ;+:yfsf ;j{;fwf/0f afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n] lnPsf] z]o/ ;fj{hlgs lgisfzg u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg aif{sf] cjlw k"/f geO{ laqmL ug{ kfOg] 5}g .

-v_ ;+:yfks÷;+rfns;Fusf] sf/f]af/ M

-s_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt tyf d"No / To:tf] ;'ljwf lbP afkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf To; ;DaGwL ljj/0f M ljQLo ;+:yfsf] ;+rfnsx?n] ;+rfns ;ldltsf] a}7s eQf afx]s cGo s'g} klg ;+:yfks÷;+rfnsn] o; ;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf 5}gg\ / ;f] ;DaGwdf ljQLo ;+:yfn] ;+:yfks tyf ;+rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}g\ .

-v_ a'Fbf -s_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] .

^= ;Lldt bfloTj ;DaGwL ljj/0f M of] ljQLo ;+:yf sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj ;Lldt 5 . o; n3'ljQ ljQLo ;+:yfsf z]o/jfnfsf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{ saf]n u/]sf] z]o/sf] clwstd /sd;Dd dfq ;Lldt /xg]5 .

&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] pRr Aoj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] sfd u/]sf] cg'ej tyf ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .

!= gfd M gu]Gb| ld> -lgldQ k|d'v sfo{sf/L clws[t_ of]Uotf M :gfts -Joj:yfkg_ lgo'lQm ePsf] ldlt M @)&%÷)*÷)$ cg'ej M

!= :jfjnDag n3'ljQ ljsf; a}+s ln=df jl/i7 ;xfos / ;xfos k|aGwssf] ?kdf @)%$—@)^$ ;Dd . @= :jfjnDag n3'ljQ ljsf; a}+s ln=df k|jGwss]f ?kdf @)^%—@)&@ ;Dd . #= u'/fF; n3'ljQ ljQLo ;+:yf ln=df k|aGws kbdf @)&# >fj0f !^ b]vL @)&% d+l;/ # ;Dd / @)&% d+l;/ $ b]lv xfn

;Dd lgldQ k|d'v sfo{sf/L clws[t kbdf sfo{/t . ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof M ;f] gePsf] .

cGo ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL eP ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd gePsf] .

@= gfd M huGgfy s'O{s]n -k|aGws_ of]Uotf M :gftsf]Q/ -Joj:yfkg_ lgo'lQm ePsf] ldlt M @)&%÷!@÷)! cg'ej M

!= ;xf/f g]kfndf ;xfos k|aGwssf] ?kdf @)^$÷)$÷)!—@)&)÷!!÷)! ;Dd . @= ;xf/f g]kfndf k|aGwssf] ?kdf @)&)÷!!÷)@—@)&%÷!!÷#) ;Dd . #= u'/fF; n3'ljQ ljQLo ;+:yf ln=df k|aGwssf] ?kdf ldlt @)&%÷!@÷)! b]lv sfo{/t .

12

;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof M ;f] gePsf] . cGo ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL eP ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd gePsf] .

#= gfd M 6+s k|;fb clwsf/L -al/i7 clws[t_ of]Uotf M :gftsf]Q/ -Joj:yfkg_ lgo'lQm ePsf] ldlt M @)&%÷!@÷)! cg'ej M

!= :jfjnDag n3'ljQ ljsf; a}+s ln=df jl/i7 ;xfossf] ?kdf la=;= @)%$—@)^# ;Dd . @= :jfjnDag n3'ljQ ljsf; a}+s ln= ;xfos k|aGwssf] ?kdf la=;=@)^$—@)&@ ;Dd . #= :jfjnDag n3'ljQ ljsf; a}+s ln=df k|jGwssf] ?kdf la=;=@)&#—@)&$ sflt{s ;Dd . $= u'/fF; n3'ljQ ljQLo ;+:yf df al/i7 clws[t kbdf ldlt @)&%÷)@÷)# b]lv sfo{/t . ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof M ;f] gePsf] .

cGo ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL eP ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd gePsf] .

$= gfd M of]u]Gb| k|;fb k|;fO{ -clws[t_ of]Uotf M :gftsf]Q/ -Joj:yfkg_

lgo'lQm ePsf] ldlt M @)&%÷)#÷)# cg'ej M != ;xf/f g]kfndf ;xfos k|aGwssf] ?kdf @)^*÷)*÷!@—@)&%÷)@÷#! ;Dd @= u'/fF; n3'ljQ ljQLo ;+:yf ln=df clws[t kbdf ldlt @)&%÷)#÷)# b]lv sfo{/t . ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof M ;f] gePsf] . cGo ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL eP ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd M gePsf] .

-v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! aif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;+:yfsf] pRr Aoj:yfklso txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{ M

;f] gePsf] .

-u_ sd{rf/Lsf] ;+Vof M :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo -xfn ;Ddsf]_ M

s'n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L k|lzIffyL{ %% — # @# @#

gf]6 M sd{rf/Lx?sf nflu ;'/lIft ul/Psf] z]o/ k|d'v sfo{sf/L clws[t nufot :yfoL ;]jf, ^ dlxgf jf ;f]eGbf jl9 cjlwsf] s/f/ ;]jfdf sfo{/t sd{rf/L / k|lzIf0f cjlw k'/f u/L kl/If0fsflng ;]jfdf sfo{/t sd{rf/Lx?nfO{ dfq afF8kmfF8 ug]{ Aoa:yf ul/Psf] 5 .

-v_ ;+rfns Pj+ pRr Aoa:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M

-s_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf M

;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf ;fwf/0f ;efn] tf]s] cg';f/ b]xfo adf]lhd /x]sf] 5 M

!= b}lgs sfo{ ;+rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ;+rfnsn] dfl;s kfl/>lds tnj ?=$%,)))÷— -cIf?kL k}+tfln; xhf/ dfq_ kfpg]5 / :jb]z tyf ljb]zsf] e|d0f vr{ l6s6 adf]lhdsf] af:tljs vr{ ePsf] /sdsf] cfwf/df e'QmfgL lbg]5 .

@= ;+rfns ;ldltsf] a}7sdf pkl:yt eP afkt cWoIfn] ?=!,%))÷— / cGo ;+rfnsn] kfpg] k|lt a}7s eQf ?=!,)))÷— x'g]5 .

#= ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 . c= :jb]zdf b}lgs eQf — ?=%))÷— cf= ef/tdf b}lgs eQf — ef=?=%))÷— O= ef/t afx]ssf cGo lab]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ !)÷— O{= e|d0f eQf lan adf]lhd .

13

-v_ ;+ul7t ;+:yfsf] pRr Aoa:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s aif{sf] cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M l;=g+= sd{rf/Lsf] gfd kb kfl/>lds /sd -cf=a=)&$÷)&%_ != >L gu]Gb| ld> lgldQ k|d'v sfo{sf/L clws[t ?=*,%$,$))÷—@= >L huGgfy s'O{s]n k|aGws –#= >L 6+s k|;fb clwsf/L al/i7 clws[t ?=*^,&)(÷—

-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .

*= cGtlg{lxt hf]lvd tyf ;f] sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M

cGtlglx{t hf]lvd / ;f] sf] Aoj:yfkgsf] nflu Aoj:yfkgsf] wf/0ff lgDgfg';f/ /x]sf] 5 .

-s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M != shf{ ;fk6L tyf shf{ nufgLsf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? . @= g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? . #= ljQLo >f]tsf] cefjjf6 nufgLsf] bfo/f ;+s'lrt x'g;Sg] hf]vLdx? .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M ;f] gePsf] .

-u_ pTkfbg tyf ;]jfsf] ahf/ l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M != gofF ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? . @= ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? . #= lgIf]k tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (cost overrun) sf] hf]vLd M ;f] gePsf] . -ª_ ljb]zL ljlgdosf] hf]lvd M ;f] gePsf] . -r_ sfg"gL k|s[ofx? tyf O{hfht k|fKt ug'{ kg]{ ;f] af6 kg{ ;Sg] cj/f]wx? M ;f] gePsf] .

-5_ If]qLos/0f / ljZjAofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M != cGt/f{li6«o ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? . @= kF"hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjAofkL ?kdf x'g] gLltut kl/jt{gaf6 x'g] hf]lvdM != g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx? . @= b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt

hf]lvdx? .

[

-em_ ;+rfng Oltxf;sf] cefj M o; ljQLo ;+:yfn] cfkm\gf] sf/f]af/ ldlt @)&# dª\l;/ !# ut]b]lv ;+rfng u/]sf]n] ljQLo ;+:yfsf] ;+rfng Oltxf;

5f]6f] /x]sf] 5 .

-`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]vLdM k|ljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;+rfng tyf sf/f]af/ k|0ffnLdf ck|Toflzt hf]lvd /xg' :jefljs g} xf] . ljQLo ;+:yfn] k|of]u ug]{ ;km\6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd Aoa:yfkgsf] nflu tYofÍx?sf] ;'/Iffy{ Data Backup df laz]if ;ts{tf ckgfO{Psf] 5 / To;af6 hf]lvdnfO{ Go"lgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .

-6_ cGo M != b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? . @= b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 .

ljQLo ;+:yfsf] shf{ tyf nufgL v/fj eO{ x'g ;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{ sf]ifsf] Aoa:yf u/]sf] 5 . To;}u/L C0f ;'/If0f sf]ifsf] Aoa:yf u/L shf{ nufgLdf cfpg ;Sg] ;+efljt hf]lvdnfO{ ;'/lIft tyf Go"lgs/0f ul/Psf] 5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] ;fy} If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hflvdx? Go"lgs/0f ug{sf nflu hgzlQm lasf;df Wofg k'/\ofpg'sf] ;fy} cGo Aoj;flos hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd / k|ltj4 /xsf] 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f

14

k|0ffnL,;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug] ljQLo ;+:yfsf] gLlt /x]sf] 5 .

lwtf]kq d"No kl/jt{g ;DalGw hf]lvd M ?=!))÷—k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/df ptf/ r9fj cfpg ;Sg] ePsf]n] z]o/ d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

(= ljQLo ljj/0f M

-s_ ljQLo ljj/0f / tT;DaGwdf Aoj:yfkgsf] wf/0ff / ljZn]if0f M

-s_ ;+ul7t ;+:yfsf] n]vfkl/If0f ePsf] kl5Nnf] cfly{s aif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fj afF8kmfF6, gub k|jfx ljj/0f M

ljQLo ;+:yfsf] cf=a=@)&$÷)&% sf] n]vfkl/If0f ePsf] tyf ;fwf/0f ;efaf6 kfl/t jf;nft, gfkmf gf]S;fg lx;fj, gf]kmf gf]S;fg afF8kmfF6 lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M

jf;nft -cfiff9 d;fGt, @)&%_ k"FhL tyf bfloTj /sd -?=xhf/df_

!= z]o/ k"FhL 52,500 @= hu]8f tyf sf]ifx? (3,821) #= C0fkq tyf a08 - $= ltg{ afFsL shf{ ;fk6 358,859 %= lgIf]k bfloTj 56,848 ^= e'QmfgL lbg' kg]{ lanx? - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - *= cfos/ bfloTj - (= cGo bfloTj 10,842

s'n k"FhL tyf bfloTj 475,228 ;DklQ /sd -?=xhf/df_

!= gub df}Hbft 55 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft - #= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 39,916 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - %= nufgL - ^= shf{ ;fk6 tyf lan vl/b 425,702 &= l:y/ ;DklQ 6,118 *= u}/ a}+ls+Í ;DklQ - (= cGo ;DklQ 3,436

s'n ;DklQ 475,228

gfkmf gf]S;fg lx;fj ->fj0f !, @)&$ b]lv cfiff9 d;fGt @)&%_ ljj/0f jf:tljs -?=xhf/df_

!= Jofh cfDbfgL 54,272 @= Jofh vr{ 33,949 v'b Aofh cfDbfgL 20,323 $= sldzg tyf cGo ;Grfng cfDbfgL 14,831 %= ;6xL 36a9 cfDbfgL - s'n ;+rfng cfDbfgL 35,153 ^= sd{rf/L vr{ 19,872 &= cGo ;+rfng vr{ 8,493 *= ;6xL 36a9 gf]]S;fg -

15

;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 6,788 (= ;Defljt gf]S;fgL 2,993 ;+rfng d'gfkmf÷-gf]S;fg_ 3,796 !)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - !!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - lgoldt sf/f]jf/af6 ePsf] d'gfkmf 3,796 !@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL - ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 3,796 !#=sd{rf/L af]g; Joj:yf 345 !$=cfos/ Aoa:yf (91) o; jif{sf] - ut jif{sf] - k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ 91 v'b d'gfkmf÷-gf]]S;fg_ 3,542

gfkmf gf]S;fg afF8kmfF8 lx;fj ->fj0f !, @)&$ b]lv cfiff9 d;fGt @)&%_ ljj/0f /sd -?=_

cfDbfgL != ut jif{;Ddsf] ;+lrt d'gfkmf - @= o; jif{sf] d'gfkmf 3,542 #= ;6xL 36a9 sf]if - $= :yug s/ - %= hu]8f sf]if ;dfof]hg - ^= ut ;fnsf] z]o/ lk|ldod -

hDdf 3,542 vr{ != ut jif{;Ddsf] ;+lrt gf]]S;fg 7,362 @= o; jif{sf] gf]]S;fg - #= ;fw/0f hu]8f sf]if 708 $= e}k/L cfpg] hu]8f -k/ ;f/]sf] s/_ - %= ;+:yf ljsf; sf]if - ^= nfe+fz ;dLs/0f sf]if - &= sd{rf/L ;DaGwL hu]]]8fx? - *= k|:tfljt nfef+z - (= k|:tfljt af]g; z]o/ hf/L - !)= ljz]]if hu]]8f sf]if - !!= ;6xL 36a9 sf]if - !@= kF"hL lkmtf{ hu]8f sf]if - !#= kF"hL ;dfof]hg sf]if - !$= cGo -:yug s/ hu]8f_ - !%= nufgL ;dfof]hg sf]if - !%= ut jif{ ;DaGwL ;dfof]hg - !%= ;fdflhs pQ/bfloTj sf]if 35 !^= u|fxs ;+/If0fsf]if 35

hDdf 8,142 ;l~rt d'gfkmf÷-gf]]S;fg_ (4,600)

16

gub k|jfx ljj/0f ->fj0f !, @)&$ b]lv cfiff9 d;fGt @)&%_ ljj/0f /sd -?=_

s_ sf/f]af/ ;~rfngaf6 gub k|jfx (14,896) != gub k|flKt 69,103 !=! Aofh cfDbfgL 54,272 !=@ sldzg tyf l8isfp06 cfDbfgL 14,831 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - !=$ ckn]lvt shf{sf] c;"nL - !=% cGo cfDbfgL - @= gub e'QmfgL 64,003 @=!= Jofh vr{ 33,949 @=@ sd{rf/L vr{ 19,872 @=# sfof{no ;+rfng vr{ 6,935 @=$ cfos/ e'QmfgL (91) @=% cGo vr{ 3,338 sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 5,100 ;~rfng ;DalGw rfn' ;Dkltdf sdL÷-a[l4_ (282,841) != dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - @= cGo cNksfnLg nufgLdf sdL÷-a[l4_ - #= shf{ tyf ljN; v/Lbdf sdL÷-a[l4_ (280,417) $= cGo ;DklQdf sdL÷-a[l4_ (2,425) ;~rfng ;DalGw rfn' bfloTjdf sdL÷-a[l4_ 262,846 != lg5]k bfloTjdf sdL j|l¢ 49,333 @= ;l6{lkms]6 ckm l8kf]lhtdf -sdL_÷a[l4 - #= cNksfnLg ;fk6Ldf -sdL_÷a[l4 205,079 $= cGo bfloTjdf -sdL_÷a[l4 8,434 v_ nufgL sf/f]af/df gub k|jfx (2,837) != bL3{sfnLg nufgLdf sdL÷-a[l4_ - @= z]o/ tyf l8a]~r/ laqmLaf6 k|fKt /sd - #= l:y/ ;Dkltdf sdL÷-a[l4_ (2,837) $= bL3{sfnLg nufgLdf Jofh cfDbfgL - %= nfefz+ cfDbfgL - ^= cGo - u_ ljQLo sf/f]af/af6 gub k|jfx 24,500 != bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df a[l4÷-sdL_ - @= z]o/ kF"hLdf a[l4÷-sdL_ 24,500 #= cGo bfloTjdf a[l4÷-sdL_ - $= nfef+; e'QmfgL - %= dh{/ kl5 z]o/ k'+hL tyf sf]ifdf ePsf] kl/jt{gsf] ;dfof]hg - ^= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ - 3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 6,767 r_ gub tyf a}+sdf /x]sf] z'?sf] df}Hbft 34,014 5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 40,780

17

-v_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng cjlwe/sf] n]vfkl/If0f ePsf] gfkmf gf]S;fg,jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f-;xfos sDkgL eP ;dli6s[t ?kdf_ M

o; ljQLo ;+:yf ldlt @)&#÷@÷@ df g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns sDkgLsf] ?kdf btf{ eO{ cfkm\gf] ljQLo sf/f]af/ ldlt @)&#÷*÷!# ut]b]lv k|f/De u/]sf] xf] . ljQLo ;+:yfsf] ljut aif{x?sf] n]vfkl/Ifsaf6 k|dfl0ft jf;nft / gfkmf gf]S;fg lx;fjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

jf;nft

k"FhL tyf bfloTj jf:tljs -?=xhf/df_

cf=a=)&@÷)&# cf=a=)&#÷)&$ cf=a=)&$÷)&%!= z]o/ k"FhL 7,350 28,000 52,500 @= hu]8f tyf sf]ifx? (148) (7,362) (3,821) #= C0fkq tyf a08 - - - $= ltg{ afFsL shf{ ;fk6 - 153,780 358,859 %= lgIf]k bfloTj - 7,514 56,848 ^= e'QmfgL lbg' kg]{ lanx? - - - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - - - *= cfos/ bfloTj - - - (= cGo bfloTj 20 3,217 10,842

s'n k"FhL tyf bfloTj 7,222 185,149 475,228 ;DklQ cf=a=)&@÷)&# cf=a=)&#÷)&$ cf=a=)&$÷)&%

!= gub df}Hbft 41 - 55 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft 700 - - #= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 6,344 34,014 39,916 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - - - %= nufgL - - - ^= shf{ ;fk6 tyf lan vl/b - 145,285 425,702 &= l:y/ ;DklQ - 4,839 6,118 *= u}/ a}+ls+Í ;DklQ - - - (= cGo ;DklQ 137 1,011 3,436

s'n ;DklQ 7,222 185,149 475,228 gfkmf gf]S;fg lx;fj

ljj/0f jf:tljs -?=xhf/df_

cf=a=)&@÷)&# cf=a=)&#÷)&$ cf=a=)&$÷)&%!= Jofh cfDbfgL 50 7,876 54,272 @= Jofh vr{ - 4,793 33,949 v'b Aofh cfDbfgL 50 3,083 20,323 $= sldzg tyf cGo ;Grfng cfDbfgL - 2,869 14,831 %= ;6xL 36a9 cfDbfgL - - - s'n ;+rfng cfDbfgL 50 5,952 35,153 ^= sd{rf/L vr{ - 7,366 19,872 &= cGo ;+rfng vr{ 261 4,273 8,493 *= ;6xL 36a9 gf]]S;fg - - - ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf (211) (5,688) 6,788 (= ;Defljt gf]S;fgL - 1,468 2,993 ;+rfng d'gfkmf÷-gf]S;fg_ (211) (7,155) 3,796 !)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - - - !!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - - -

18

lgoldt sf/f]jf/af6 ePsf] d'gfkmf (211) (7,155) 3,796 !@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - - - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL - - - ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf (211) (7,155) 3,796 !#=sd{rf/L af]g; Joj:yf - - 345 !$=cfos/ Aoa:yf (63) 60 (91) o; jif{sf] - - - ut jif{sf] - - - k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ 63 (60) 91 v'b d'gfkmf÷-gf]]S;fg_ (148) (7,215) 3,542

-u_ cfly{s aif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[tLsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfkl/Ifs af6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M

ljQLo ;+:yfsf] @)&% >fj0f ! ut] b]lv @)&% kf}if d;fGt;Ddsf] n]vfkl/Ifsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0fx? b]xfo adf]lhd /x]sf] 5 M

jf;nft k"FhL tyf bfloTj /sd -?=xhf/df_

!= z]o/ k"FhL 52,500 @= hu]8f tyf sf]ifx? (102) #= C0fkq tyf a08 - $= ltg{ afFsL shf{ ;fk6 428,514 %= lgIf]k bfloTj 78,746 ^= e'QmfgL lbg' kg]{ lanx? - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - *= cfos/ bfloTj - (= cGo bfloTj 17,189

s'n k"FhL tyf bfloTj 576,848 ;DklQ /sd -?=xhf/df_

!= gub df}Hbft 1,702 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft - #= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 54,072 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - %= nufgL - ^= shf{ ;fk6 tyf lan vl/b 512,472 &= l:y/ ;DklQ 6,927 *= u}/ a}+ls+Í ;DklQ - (= cGo ;DklQ 1,675

s'n ;DklQ 576,848

gfkmf gf]S;fg lx;fj -@)&% >fj0f ! b]lv @)&% kf}if d;fGt ;Ddsf]_ ljj/0f /sd -?=xhf/df_

!= Jofh cfDbfgL 37,518 @= Jofh vr{ 25,236 v'b Aofh cfDbfgL 12,282 $= sldzg tyf cGo ;Grfng cfDbfgL 11,150 %= ;6xL 36a9 cfDbfgL - s'n ;+rfng cfDbfgL 23,432

19

^= sd{rf/L vr{ 13,012 &= cGo ;+rfng vr{ 4,188 *= ;6xL 36a9 gf]]S;fg - ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 6,231 (= ;Defljt gf]S;fgL 2,141 ;+rfng d'gfkmf÷-gf]S;fg_ 4,091 !)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - !!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - lgoldt sf/f]jf/af6 ePsf] d'gfkmf 4,091 !@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL - ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 4,091 !#=sd{rf/L af]g; Joj:yf 372 !$=cfos/ Aoa:yf - o; jif{sf] - ut jif{sf] - k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ - v'b d'gfkmf÷-gf]]S;fg_ 3,719

-3_ cfDbfgL / vr{sf] lx;fjdf s'g} lzif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] .

-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfkl/If0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/df, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;+rfnsx?sf] 3f/0ff M

;f] gePsf] .

-r_ cfly{s aif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[tL x'g] ldlt ;Dddf jf;nftsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{ kg]{ M

;f] gePsf] .

-5_ ljut % aif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O{_ k"gd{"Nof+sgsf] cf}lrTo M

;f] gePsf] .

-h_ cfufdL tLg aif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M ljQLo ;+:yfsf] cfufdL # cfly{s jif{sf nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M

jf;nft

k"FhL tyf bfloTj k|If]lkt -?= xhf/df_

cf=a=)&%÷)&^ cf=a=)&^÷)&& cf=a=)&&÷)&* != z]o/ k"FhL 77,500 77,500 77,500 @= hu]8f tyf sf]ifx? 8,257 28,100 52,975 #= C0fkq tyf a08 - - - $= ltg{ afFsL shf{ ;fk6 578,494 752,042 977,655 %= lgIf]k bfloTj 118,119 177,179 265,769 ^= e'QmfgL lbg' kg]{ lanx? - - - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - - - *= cfos/ bfloTj 3,539 8,504 10,661 (= cGo bfloTj 23,206 26,686 30,689

s'n k"FhL tyf bfloTj 809,114 1,070,011 1,415,249 ;DklQ cf=a=)&%÷)&^ cf=a=)&^÷)&& cf=a=)&&÷)&*

20

!= gub df}Hbft 2,603 6,744 10,511 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft 3,483 4,646 6,217 #= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 70,293 147,616 265,709 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd - - - %= nufgL - - - ^= shf{ ;fk6 tyf lan vl/b 708,294 883,022 1,101,215 &= l:y/ ;DklQ 7,620 8,382 9,220 *= u}/ a}+ls+Í ;DklQ - - - (= cGo ;DklQ 16,821 19,602 22,377

s'n ;DklQ 809,114 1,070,011 1,415,249 gfkmf gf]S;fg lx;fj

ljj/0f k|If]lkt -?=xhf/df_

cf=a=)&%÷)&^ cf=a=)&^÷)&& cf=a=)&&÷)&* != Jofh cfDbfgL 99,770 131,734 166,710 @= Jofh vr{ 65,778 84,991 112,851 v'b Aofh cfDbfgL 33,992 46,742 53,859 $= sldzg tyf cGo ;Grfng cfDbfgL 22,300 26,760 32,112 %= ;6xL 36a9 cfDbfgL - - - s'n ;+rfng cfDbfgL 56,292 73,502 85,971 ^= sd{rf/L vr{ 26,024 31,229 34,352 &= cGo ;+rfng vr{ 9,667 10,348 11,694 *= ;6xL 36a9 gf]]S;fg - - - ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 20,601 31,925 39,925 (= ;Defljt gf]S;fgL 3,424 708 797 ;+rfng d'gfkmf÷-gf]S;fg_ 17,177 31,218 39,128 !)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - - - !!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - (36) (38) lgoldt sf/f]jf/af6 ePsf] d'gfkmf 17,177 31,182 39,090 !@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - - - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL - - - ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 17,177 31,182 39,090 !#=sd{rf/L af]g; Joj:yf 1,562 2,835 3,554 !$=cfos/ Aoa:yf 3,539 8,504 10,661 o; jif{sf] 3,539 8,504 10,661 ut jif{sf] - - - k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ - - - v'b d'gfkmf÷-gf]]S;fg_ 12,077 19,843 24,876

ljQLo k|If]k0fsf cfwf/ tyf tl/sf M ljj/0f cf=a=)&%÷)&^ cf=a=)&^÷)&& cf=a=)&&÷)&*

!= s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 107.78% 50.00% 50.00% @= s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 66.38% 24.67% 24.71% #= s'n shf{ tyf lgIf]k±k"Flhsf]if cg'kft -k|ltztdf_ 91.54% 86.16% 80.84% $= s'n cfodf cf}ift a[l4b/ 76.65% 29.84% 25.44% %= s'n vr{df cf}ift a[l4b/ 60.62% 21.34% 25.47% ^= ;+rfng vr{ tyf s'n cfDbfgL cg'kft 29% 26% 23% &= v'b d'gfkmfdf cf}ift a[l4b/ 241.00% 64.30% 25.36%

21

*= lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 8.00% 8.00% 8.00% (= shf{ tyf ;fk6sf] cf}ift Aofhb/-k|ltztdf_ 16.00% 16.00% 16.00% !)= cfos/ Aoj:yf -k|ltztdf_ 30.00% 30.00% 30.00% !!= lgl:qmo shf{ ;fk6 -k|ltztdf_ 2.49% 2.10% 1.76% !@= nufgL df k|ltkmn 10.50% 0.00% 0.00% !#= cGo ;+rfng vr{sf j[l4b/ 130.80% 7.04% 13.01% !$= sd{rf/L vr{df a[l4b/ 30.96% 20.00% 10.00% % of Provision on Total Gross Loan 1.10% 0.97% 0.85% CRR 5.73% 6.43% 5.72% SLR 11.76% 11.22% 13.28% kF"hLsf]if kof{Kttf (CAR) 11.72% 11.46% 11.23%

dfly pNn]lvt ljQLo k|If]k0fsf cfwf/sf] cf}lrTo k'i6L x'g] ljj/0fx? M

!= shf{ tyf ;fk6 M ;+:yfsf] cf=a=@)&$÷)&% sf] cfiff9 d;fGt ;Dddf c;n shf{df sl/a !**=#( k|ltztsf] a[l4 ePsf] / cf=a=@)&%÷)&^ sf] kf}if ;Dddf sl/a !&=(% k|ltztsf] a[l4 ePsf]df ;+:yfsf] Aoj:yfkgn] ug]{ of]hgf cg';f/ cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* df qmdzM ^^=#*, @$=^& / @$=&! k|ltztn] s'n shf{ a[l4 x'g] k|If]k0f ul/Psf] 5 .

shf{ tyf ;fk6df k|fKt x'g] cf};t Aofh b/ cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu qmdzM !^=)), !^=)) / !^=)) k|ltzt x'g] cg'dfg ul/Psf] 5 .

shf{ tyf ;fk6sf] lgIf]k / k|fylds k+'hLsf] cg'kft (CD Ratio) g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L shf{ tyf ;fk6 k|If]k0f ul/Psf] 5 . h; cg'?k cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu qmdzM (!=%$, *^=!^ / *)=*$ k|ltzt x'g] k|If]k0f ul/Psf] 5 .

shf{ gf]S;fgL Joj:yf cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu s'n shf{ tyf ;fk6sf] qmdzM !=!), )=(& / )=*% k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .

@= lgIf]k M ;+:yfsf] cf=a=@)&#÷)&$ sf] cfiff9 d;fGtaf6 cf=a=@)&$÷)&% sf] cfiff9 d;fGt ;Dddf hDdf lgIf]kdf nueu ^%^=%$ k|ltztsf] a[l4 ePsf] tyf ;+:yfsf] cf=a=@)&%÷)&^ sf] kf}if ;Dddf #*=%@ k|ltztn] a[l4 ePsf] / ;+:yfsf] Aoj:yfkgn] ug]{ of]hgf cg';f/ cf=a=@)&%÷)&^, @)&^÷)&& / / @)&&÷)&* df qmdzM !)&=&*, %)=)) / %)=)) k|ltztn] s'n lgIf]k a[l4 x'g] k|If]k0f ul/Psf] 5 .

lgIf]k bfloTjdf ltg'{kg]{ cf};t Jofhb/ cf=a=@)&%÷)&^, @)&^÷)&& / / @)&&÷)&* sf] nflu qmdzM *=)), *=)) / *=)) k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .

#= t/ntfM g]kfn /fi6« a}+sn] Joj:yf u/]sf] j}wflgs t/ntf cg'kft (Statutory Liquidity Ratio) cf=a=@)&%÷)&^, @)&^÷)&& / / @)&&÷)&* sf] nflu qmdzM !!=&^, !!=@@ / !#=@* k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf] 5 . g]kfn /fi6« a}+sn] Joj:yf u/]sf] clgjfo{ df}Hbft (Cash Reserve Requirement) cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu qmdzM %=&#, ^=$# / %=&@ k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf] 5 .

$= ;+rfng gfkmfsf] !) k|ltzt /sd sd{rf/L af]g; Joj:yfsf] nflu 5'§ofPsf] 5 . %= cfpFbf] jif{x?sf] nflu ljQLo ;+:yfn] cfh{g ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf] nflu Joj:yf ul/Psf] 5 . ^= ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ljQLo ;+:yfsf] Joj:yfkg åf/f ljQLo

ljj/0f k|If]k0f ul/Psf] xf] . &= kF"hL kof{Kttf (Capital Adequacy) sf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f ul/Psf] 5 . h;

cg'?k k"FhLsf]ifsf] cg'kft cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu qmdzM !!=&@, !!=$^ / !!=@# k|ltzt / k|fylds k"FhLsf] cg'kft cf=a=@)&%÷)&^, @)&^÷)&& / @)&&÷)&* sf] nflu qmdzM !!=$*, !!=@# / !!=)) k|ltzt x'g] u/L k|If]k0f ul/Psf] 5 .

22

-v_ ljQLo cg'kft ;DaGwL ljj/0f M -s_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng

cjlwsf] tyf cfufdL # aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt z]o/ g]6jy{ M

ljj/0f

jf:tljs k|If]lkt cf=a=

)&@÷)&#cf=a=

)&#÷)&$ cf=a=

)&$÷)&%cf=a=

)&%÷)&^ cf=a=

)&^÷)&& cf=a=

)&&÷)&*k|lt z]o/ cfDbfgL -?=_ (2.01) (25.77) 6.75 15.58 25.60 32.10 k|lt z]o/ g]6jy{ -?=_ 97.99 73.71 92.72 110.65 136.26 168.36

-v_ ljut # aif{sf] g]6jy{df ePsf] cf};t k|ltkmn M

ljj/0f jf:tljs -?=xhf/df_ k|If]lkt -?=xhf/df_

cf=a= )&@÷)&#

cf=a= )&#÷)&$

cf=a= )&$÷)&%

cf=a= )&%÷)&^

cf=a= )&^÷)&&

cf=a= )&&÷)&*

r'Qmf k'+hL 7,350 28,000 52,500 77,500 77,500 77,500 hu]8f tyf sf]ifx? (148) (7,362) (3,821) 8,257 28,100 52,975 s'n 7,203 20,638 48,679 85,757 105,600 130,475 36fpg] Mckn]vg ug{ afFsL vr{ - - - - - - s'n g]6jy{ 7,203 20,638 48,679 85,757 105,600 130,475 z]o/ ;+Vof -xhf/df_ 74 280 525 775 775 775 k|lt z]o/ g]6jy{ -?=_ 97.99 73.71 92.72 110.65 136.26 168.36 k|lt z]o/ r'Qmf k'+hL 100 100 100 100 100 100 g]6jy{df cf};t k|ltkmn -2.05% -34.96% 7.28% 14.08% 18.79% 19.07% lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg cfjZos Go"gtd k|ltkmn

7.10%

dfly pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{ n3'ljQ ljQLo ;+:yfsf] xfnsf] bIftf / lgisfzgstf{ n3'ljQ ljQLo ;+:yfn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL cf/=s]=P;= P08 P;f]l;P6\;sf rf6{8{ Psfp06]06 >L /fh]z s'df/ zfx4f/f k|dfl0ft u/]sf] xf] .

!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M

-s_ lwtf]kq hf/L ug'{sf] p2]Zo M c_ ljQLo ;+:yfsf] hf/L k"FhL ?=&,&%,)),)))÷—dWo] k|aGwkqdf Aoj:yf eP cg'?k hf/L kF"hLsf] #@=@^% z]o/ ;j{;fwf/0fdf

laqmL ug'{ kg]{ ePsf] sf/0f hf/L k"+hLsf] #@=@^% cyf{t ?=@,%),)),)))÷— /sd a/fa/sf] k|lt z]o/ ?=!))÷—b/sf] @,%),))) lsQf ;fwf/0f z]o/x? ;j{;fwf/0fx?df laqmL ljt/0f u/L ljQLo ;+:yfsf] ;~rfngdf ;j{;fwf/0fx?nfO{ ;d]t ;+nUg u/fpg .

cf_ ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos k"FhL ;+sng ug{ .

O_ ljQLo ;+:yfn] cfkm\gf] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{ cfjZos kg]{ kF"hLsf] Aoj:yf ug{ .

-v_ lwtf]kq lgisfzg u/L k|fKt k"FhLsf] pkof]u M

-s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5, tT;DaGwL ljj/0f M ;fwf/0f z]o/ lgisfzg u/L k|fKt x'g] k"FhL a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, ljQLo ;+:yfsf] k|aGwkq tyf

lgodfjnL / cGo k|rlnt sfg"g adf]lhd æ3Æ ju{sf] ljQLo ;+:yfn] ug{ kfpg] sfo{sf] clwgdf /xL ljQ ljQLo ;+:yfsf] Joj;flos k|of]hgdf pkof]u ul/g]5 . ;fwf/0f z]o/ lgisfzg u/L k|fKt x'g] kF"hL ljQLo ;+:yfsf] lgoldt n3'ljQ sf/f]af/ Pj+ cfly{s sf/f]jf/x? lj:tf/ Pj+ a[l4 ug{ pkof]u ul/g]5, h'g b]xfo cg';f/ pNn]v ul/Psf] 5 .

23

qm=;+= shf{ k|jfx u/Lg] If]qx? sl/a /sd ?= ! kz'kfng tyf s[lif shf{ ?=!,@%,))),)))÷—@ v'b|f Aofkf/ / ;]jf shf{ ?=&%,)),)))÷—# ;fgf tyf 3/]n' shf{ ?=%),)),)))÷—

hDdf ?=@,%),)),)))÷—-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo k|flKt ug{sf] nflu ckgfOg]

a}slNks Aoa:yf M n3'ljQ ljQLo ;+:yfx?sf] z]o/ lgisfzg ubf{ lgisflzt z]o/ eGbf clws dfqfdf cfj]bg k|fKt x'g] u/]sf] b]lvPsf]n] o; ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] wf/f0f ljQLo ;+:yfsf] /x]sf] 5 . sy+sbflrt lgisfzg ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf, k|e' Soflk6n lnld6]8, sdnfbL, sf7df08f}+n] lgisfzg /sdsf] zt\k|ltzt z]o/ vl/b ug]{ k|Tofe"lt ;Demf}tf ul/Psf] 5 .

-u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{ M ;f] gePsf] .

-3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt pNn]v ug'{ kg]{ M ;f] gePsf] . -ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd /

;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M ;f] gePsf] . -r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP

;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf] . -5_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut aif{x?sf] Ifdtf

pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M;f] gePsf]. -h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] . -em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] . -`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0f M

-c_ lgisfzg tyf laqmL k|aGws M o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fnfO{ laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL k|aGwssf] ?kdf

sfo{ ug{ PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+nfO{ ;]jf z'Ns afkt ?=!,)),)))÷—-cIf?kL Ps nfv ?k}+of dfq_ e'QmfgL lbOg]5 .

-cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ M ;f] gePsf] . -O_ k|Tofe"ltstf{ M k|Tofe"ltstf{ k|e' Soflk6n ln=,sdnfbL, sf7df08f}+nfO{ k|Tofe'lt ;]jf k|bfg u/]sf afkt s/ ;lxt ?=(),)))÷— -cIf?kL gAa] xhf/ ?k}+of dfq_ e'QmfgL lbO{g]5 . -O{_ lj1x? M k|If]lkt ljQLo ljj/0f k|dfl0ft ug]{ lj1nfO{ s/ ;lxt ?=@%,)))÷— e'QmfgL ul/Psf] 5 . -p_ n]vfkl/Ifs M ljQLo ;+:yfsf] cf=a=)&$÷)&% sf] n]vfkl/If0f ;DaGwL sfo{ la=lk= P;f]l;P6\;sf rf6{8{ PsfpG6]06 >L k|lj0f a/fnn]

ug'{ ePsf] xf] . pQm n]vfkl/If0fsf] sfo{ ug{sf nflu ;]jf z'Ns afkt s/ afx]s ?=!,)),)))÷— -cIf?kL Ps nfv ?k}+of dfq_ k|bfg u/]sf] 5 .

-pm_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_ M g]kfn lwtf]kq af]8{af6 @)&$÷!!÷!! ut]b]lv l;—cf:jf k|0ffnL sfof{Gjog eO{;s]sf] ;Gbe{df g]kfn lwtf]kq af8{af6

:jLs[t k|fKt l;—cf:jf ;b:o a}+s tyf ljQLo ;+:yf / ltgsf tf]lsPsf zfvf sfof{nox? o; lgisfzgsf] nflu ;+sng s]Gb|sf] ?kdf /xg]5g\ . l;—cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?nfO{ s'g} z'Ns e'QmfgL ug'{ gkg]{ / lghx?n] g]kfn lwtf]kq af]8{n] tf]s] adf]lhdsf] z'Ns lgisfzg tyf laqmL k|aGwsnfO{ e'QmfgL ug]{5g\ . l;—cf:jf k|0ffnL sfof{Gjog ePsf] ;Gbe{df lgisfzg a}+ssf] cfjZostf gx'g] ePtf klg cfjZostf cg';f/ lgisfzg a}+s vf]Ng ;lsg]5 / ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{ clu|d ?kdf u/fOg]5 .

-u_ ;fj{hlgs lgisfzgaf6 k|fKt x'g] /sdnfO{ kl/of]hgfdf k|of]u ug'{ k"j{ cGo s'g} Aoj:yf ug{ nfluPsf] 5 eg] tt\ ;DalGw ljj/0f M ;f] gePsf] .

-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M ;f] gePsf] .

-ª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DalGw Aoa:yf M

24

-s_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of M o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ ;+Vof eGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf] nfuL b/vf:t k|fKt

x'g cfPdf ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ df ePsf] Aoj:yf cg';f/ ;fwf/0f z]o/x? afF8kmFf8 ul/g]5 . olb lgisfzg ul/Psf] z]o/sf] ;+Vof eGbf sd ;+Vofdf ;fwf/0f z]o/ vl/bsf nflu b/vf:t k|fKt x'g cfPdf dfu adf]lhd z]o/ afF8kmfF6 u/L afFsL /x]sf] z]o/ k|Tofe'ltstf{n] k|Tofe'lt ;DaGwL ;Demf}tfdf ePsf] Aoa:yf cg';f/ vl/b ug]{5 .

-v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yf M z]o/ laqmL aGb ePsf] ldltn] g]kfn lwtf]kq af]8{n] tf]s]sf] ;dofjlw leq z]o/ afF8kmfF8 u/L k"0f{ jf cf+lzs ?kdf

:jLs[t÷c:jLs[t ePsf] Joxf]/f pNn]v u/L ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf,@)&#Æ sf] cg';"rL & adf]lhdsf] ljj/0f ;DalGwt cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ pknAw u/fOg]5 / ;f]xL ljj/0f cg'?k cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?n] afF8kmfF6df gk/]sf] z]o/ afktsf] /sd ;DalGwt cfj]bssf] /f]Ssf /x]sf] a}+s vftf km's'jf u/L lkmtf{ ul/lbg]5 .

-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/M ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Aoj:yf nfu'

gx'g] . -3_ lwtf]kq afF8kmfF8 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M

o; ljj/0fkq dfkm{t ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ adf]lhd ;fwf/0f z]o/sf] afF8kmfF6 u/] kZrft g]kfn :6s PS;r]Gh ln= df ;"lrs/0f tyf l;l8P; P08 lSnol/Ë ln= df btf{ eP kZrft cfj]bg kmf/ddf pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF6df k/]sf z]o/ hDdf÷ljt/0f ug]{ Aoa:yf ldnfOg]5 .

-ª_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/ z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DalGw ljj/0f M

;f] gePsf] . -r_ lwtf]kq ;"lrs/0f e}O;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/

;xh v/Lb laqmL jf lalgdo x'g ;Sg] u/fpgsf] nflu ul/g] Aoa:yf ;DaGwL ljj/0f M ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$Æ adf]lhd ;fwf/0f z]o/sf]

afF8kmfF6 u/] kZrft g]kfn :6s PS;r]Gh ln= tyf l;l8P; P08 lSnol/Ë ln= df ;"lrs/0f / btf{ u/fO{ z]o/ vl/b laqmL tyf /fkm;fkmsf] nflu cfjZos Aoa:yf ldnfOg]5 .

-r_ k|Tofe"lt ;DaGwL ljj/0f M

-s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] zt\ k|ltztn] x'g] @,%),))) lsQf ;fwf/0f z]o/sf] nflu ?=@,%),)),)))÷—/sd a/fa/sf] k|e' Soflk6n lnld6]8, sdnfbL, sf7df08f}+4f/f k|Tofe'lt ;]jf k|bfg ul/Psf] 5 .

-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe'ltstf{ ;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx? b]xfo

adf]lhd /x]sf] 5 M != k|Tofe'ltstf{n] @,%),))) lsQf ;fwf/0f z]o/x?sf] nflu k|Tofe'lt ;]jf k|bfg u/]sf] 5 . @= k|Tofe'ltstf{nfO{ k|Tofe'lt ;]jf k|bfg u/] afkt ljQLo ;+:yfn] ?=(),)))÷— e'QmfgL lbOg]5 . #= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x?df k|Tofe'ltstf{sf] bfloTj k|Tofe'ltt lsQf z]o/x?df dfq l;ldt

x'g]5 . $= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL gePdf dfly pNn]lvt k|Tofe'ltt lsQf z]o/x?df

l;ldt x'g] u/L k|Tofe'ltstf{n] vl/b ug]{ ;xdlt hgfPsf] 5 . %= k|Tofe'lt ;Demf}tfkqsf] cjlw k|Tofe'ltstf{sf] bfloTj ;dfKt geP ;Dd x'g]5 . ^= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/x? k"0f{ ?kdf laqmL ePsf] v08df ;Demf}tfkq :jtM vf/]h x'g]5 . &= k|Tofe'lt ;DalGw cGo Joj:yfx? k|rlnt sfg"g tyf k|Tofe'lt ;DaGwL ;Demf}tfdf pNn]v eP adf]lhd x'g]5 .

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-5_ cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M -s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df

kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M lwtf]kqjfnfx?sf] clwsf/ tyf k|ltaGwfTds Aoa:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kq vf/]hL cflb ;DalGwt Aoa:yf k|rlnt sfg"g adf]lhd x'g]5 . ;fy} nfefz+, xsk|b z]o/ cflb ;DaGwL ljj/0f ljQLo ;+:yfn] lgoldt ?kdf cfh{g ug]{ d'gfkmf tyf ljQLo ;+:yfsf] kF"hL of]hgf cg';f/ k|rlnt sfg"g adf]lhd ul/g]5 .

-v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly

lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M != o; ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq ljQLo ;+:yfsf] /lhi68{ sfof{no, wgs'6f–&, wgs'6f

jf lwtf]kq lgisfzg tyf laqmL k|aGws PgcfO{laPn P; Soflk6n lnld6]8sf] sfof{no, nflhDkf6, sf7df08f}+df ;Dks{ /flv x]g{ jf k|fKt ug{ ;lsg]5 .

@= o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu b/vf:t lbFbf b/vf:tjfnfn] sDtLdf !) -bz_ lsQf ;fwf/0f z]o/sf] nflu b/vf:t lbg' kg]{5 . olb s'g} b/vf:tjfnfn] !) -bz_ lsQf eGbf a9L z]o/sf] nflu b/vf:t lbg rfx]df !) -bz_ c+ssf] u'0ffÍdf clwstd %)) -kfFr ;o_ lsQf ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lbg ;Sg]5 .

-u_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M

!= s'g} klg g]kfnL gful/sn] o; ljj/0fkq dfkm{t hf/L ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbg ;Sg]5g . @= cfj]bsn] l;—cf:jf k|0ffnLaf6 cfkm\gf] vftf /x]sf] a}+s tyf ljQLo ;+:yf dfkm{t dfq cfj]bg lbg' kg]{5 . #= cfj]bsn] cfa]bg lbg' k"j{ cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf] ;fj{hlgs

lgisfzgsf] s]lGb|s[t ljB'lto ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$Æ sf] cg';"rL $ adf]lhdsf] l;—cf:jf /lhi6«]zg kmf/d e/L CRN g+= lng' kg]{5 .

$= cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';"rL $ df pNn]v u/]sf] ljj/0f ldNg' kg]{5 . %= cfj]bsn] CRN g+= k|fKt u/]kZrft z]o/ vl/bsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf lwtf]kq

vl/bsf nflu cfj]bg lbg' kg]{5 . ^= cfj]bsn] cfj]bgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= / cGo ljj/0f l;—cf:jf ;km\6j]o/df /x]sf] cfj]bssf] lxtu|fxL

vftf / cGo ljj/0f;Fu ?h' x'g' kg]{5 . &= cfj]bsn] cfj]bg kmf/d a'emfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6 ;Fu cfj]bg kmf/d e/L a'emfpg' kg]{5M s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd . v= cfj]bssf] gfd, y/, 7]ufgf, gful/tf g+=, b/:tvt, ;Dks{ kmf]g g+=, Od]n . u= gfjfns / ljlIfKt AolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf. 3= vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_ . ª= vl/b ug{ rfx]sf] lwtf]kq afktsf] /sd -c+s / cIf/df_ . r= cfj]bssf] vftf /x]sf] a}+s÷ljQLo ;+:yfsf] gfd, 7]ufgf, vftf g+= / vftfsf] lsl;d . 5= cfj]bssf] lxtu|fxL -l8Dof6_ vftf gDa/ . *= cfa]bsn] cfj]bg lbFbf l;—cf:jf ;b:o a}+s÷ljQLo ;+:yfx?df /x]sf] cfj]bg afktsf] /sd /f]Ssf /flvg] vftf cGo

s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o (Dormant) /x]sf] x'gx'Fb}g . (= cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 . !)= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps JolQmsf]

gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 . !!= lwtf]kq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq afktsf] /sd e'QmfgL

gx'Fb} k|rlnt sfg"g adf]lhd clwsf/ k|fKt clwsf/L jf lgosfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf laqmL k|aGwsn] To:tf] b/vf:t kmf/dnfO{ cfb]z adf]lhd ul/g]5 .

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!@= lwtf]kq afF8kmf6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf lgb]{zg k|fKt ePdf ;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgLstf{sf] vftf /f]Ssf u/L To;sf] hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg'kg]{5 .

!#= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fOPsf] æd]/f] z]o/Æ ;km\6j]o/af6 klg cfa]bsn] cfj]bg ug{ ;Sg]5g\ . To;sf nflu cfj]bsn] cfkm\gf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] x'g'kg]{5 / ;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+= lnO{;s]sf] x'g'kg]{5 .

!$= z]o/ afF8kmfF6 u/L ;"lrs/0f eP kZrft afF8kmfF6df k/]sf cfa]bsx?nfO{ afF8kmfF6df k/]sf] z]o/ gLhx?sf] lxtu|fxL vftfdf hDdf ug]{ Aoa:yf ul/g]5 .

!%= o; ljj/0fkq dfkm{t lgisfzg ul/g] z]o/sf nflu Go"gtd !) -bz_ lsQf tyf ;f] eGbf a9Lsf nflu !) -bz_ c+sn] efu hfg] ;+Vofdf clwstd %)) -kfFr ;o_ lsQf ;Ddsf nflu cfj]bg lbg ;lsg]5 .

!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] a:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg AolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf ;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M

-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] AolQm M ;f] gePsf] . -v_ cfwf/e"t z]o/wgL M ;f] gePsf] . -u_ v08 -s_ / -v_ df pNn]lvt s'g} AolQmsf] Psf3/ kl/jf/ ;b:o M ;f] gePsf] . -3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g]

u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] . -ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf gLhsf] Psf3/sf] kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/

jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # aif{ cufl8sf] cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] eP ;f] s'/f M ;f] gePsf] .

-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M ;f] gePsf] .

!@= ljb]zL nufgL / Aoj:yfkg ;DaGwL ljj/0f M ;f] gePsf] .

!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M -s_ ;+ul7t ;+:yfsf] ljut # cfly{s aif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/

ePsf] z]o/ ;+Vof M ;f] gePsf] .

-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kq ;+Vof M ;f] gePsf] .

!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;f] gePsf] .

!%= k/fdz{bftf÷ laz]if1 ;DaGwL ljj/0fM -s_ n]vfkl/Ifs, k|d'v a}+s, lgisfzg sfo{ ;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf]

gfd tyf 7]ufgf M • n]vfkl/Ifs M

o; ljQLo ;+:yfsf] cf=a=)&$÷)&% sf] n]vfkl/If0f lk=la=P08 Pzf]l;o6\;sf rf6{8{ PsfpG6]06 >L k|lj0f a/fnn] ug'{ ePsf] xf] .

• lgisfzg a}+s (Banker to the Issue) M ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Aoa:yf nfu' gx'g] .

• ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ la1 M o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1df ljQLo ;+:yf cfkm} /x]sf] 5 .

27

• ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f l7s 5 egL k|dfl0ft ug]{ la1 M o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ laz]if1df cf/=s]=P;= P08 P;f]l;o6\;sf rf6{8{ PsfpG6]06 >L /fh]z s'df/ zfx /x]sf] 5 .

-v_ dfly v08 -s_ df pNn]lvt ;+:yf jf AolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x? M • n]vfkl/Ifs M ;f] gePsf] .

• lgisfzg a}+s (Banker to the Issue) M ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Aoa:yf nfu' gx'g] .

!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f M ;f] gePsf] .

!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f] ;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Aoj:yfkgsf] wf/0ff M ;f] gePsf].

-v _ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M ;f] gePsf]. -u_ ljut kfFr aif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g}

lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{ kg]{ M ;f] gePsf] .

-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .

!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'efj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg tyf laqmL k|aGws PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+df Pp6f 5'§} sIfsf] Aoa:yf ul/Psf] 5 . s'g} klg nufgLstf{n] o; lgisfzg ;Fu ;DalGwt laifodf s'g} u'gf;f] jf ;'emfjsf nflu ;Dks{ clws[t >L /fd s'df/ dxtnfO{ lghs} sfo{sIfdf jf lghnfO{ sfof{no ;doleq $))%)*) -PS;6]G;g g+= $$$_ df ;Dks{ ug{ ;lsg]5 .

!(= gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] AolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DalGw ljj/0f, lgisfzg ul/Psf] lwtf]kq ;+Vof / b/ ;DalGw ljj/0f M ;f] gePsf] .

@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd ljQLo ;+:yfn] s'g} C0fkq hf/L ul/Psf] 5}g .

@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL Aoa:yf M xfn;Dd ljQLo ;+:yfn] cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .

@@= cGo ;fdfGo hfgsf/L M -s_ ljz]if1sf] s'g} /fo ePdf ;f] sf] ljj/0f M

o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{ ljQLo ;+:yfsf] xfnsf] bIftf / lgisfzgstf{ ljQLo ;+:yfn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL rf6{8{ Psfp06]06 ;+:yf cf/s]P; P08 P;f]lzo6\;, k'tnL;8s, sf7df08f}+sf rf6{8{ Psfp06]06 >L /fh]z s'df/ zfxn] k|dfl0ft u/]sf] 5 .

-v_ ut tLg cfly{s aif{ leqdf s'g} ;+rfns, n]vfkl/Ifs kl/jt{g ePsf] eP, ;f] sf] sf/0f M ut tLg cfly{s aif{ leqdf s'g} ;+rfns kl/jt{g gePsf] t/ cf/= s]=lk= P08 P;f]l;o6\;sf n]vf kl/Ifs rf6{8

PsfpG6]G6; >L CifLs]z kx/Lsf] ;8s b'3{6gfdf kl/ b]xj;fg ePsf]n] lk=la=P08 Pzf]l;o6\;sf rf6{8{ PsfpG6]06 >L k|lj0f a/fnnfO{ lgo'Qm ul/Psf] .

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M lj/f6gu/—*, df]/ª :yfoL a;f]af; /xg' ePsf] Joj:yfkg laifodf :gfts;Ddsf] z}lIfs of]Uotf xfl;n u/L n3'ljQ ljQLo ;+:yfdf @@ jif{sf] sfof{g'ej ePsf] >L gu]Gb| ld>nfO{ o; ljQLo ;+:yfsf] sDkgL ;lrjsf] lhDd]jf/L lbOPsf] 5 .

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-3_ ;fj{hlgs lgisfzg ug{sf] nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M ljQLo ;+:yfsf] ldlt @)&%÷*÷( ut] a;]sf] ;+rfns ;ldltsf] ^@cf}+ a}7saf6 ;j{;fwf/0fx?nfO{ 5'§ofPsf] ?=@ s/f]8 %) nfv /sd a/fa/sf] @,%),))) lsQf ;fwf/0f z]o/ ;j{;fwf/0fx?df lgisfzg ug{sf nflu PgcfO{laPn P; Soflk6n ln= nflhDkf6, sf7df08f}+nfO{ lgisfzg tyf laqmL k|aGws lgo'Qm ug]{ lg0f{o ePsf] 5 . pQm z]o/ lgisfzg ;DaGwL ;Dk"0f{ sfo{ ug{sf nflu ;+:yfsf lgldQ k|d'v sfo{sf/L clws[t >L gu]Gb| ld>nfO{ clVtof/L lbg] lg0f{o ePsf] 5 .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] . -r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s aif{sf] n]vfkl/If0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt

ug{ jf x]g{ ;Sg] 7fpF / ;do M ljQLo ;+:yfsf] kl5Nnf] cfly{s aif{sf] n]vfkl/If0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f sfof{no ;doleq ljQLo ;+:yfsf] /lhi68{ sfo{fno, x'nfs 6f]n, wgs'6f / lwtf]kq lgisfzg tyf laqmL k|jGws PgcfO{laPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+df ;Dks{ /flv k|fKt ug{ jf x]g{ ;lsg]5 .

-5_ af]g; z]o/ ;DaGwL Aoa:yf M xfn ;Dd af]g; z]o/ hf/L ul/Psf] 5}g . eljiodf k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|lrlnt af]g; z]o/ lgisfzg ;DaGwL Aoa:yf cg';f/ af]g; z]o/ hf/L ug{ ;lsg]5 .

-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M o; ljj/0fkq dfkm{t lgisf;g ul/g] k|lt ;fwf/0f z]o/ ?=!))÷—clÍt d"No (Par Value) sf s'n @,%),))) lsQf ;fwf/0f z]o/ dWo] hf/L k"FhLsf] )=%% cyf{t #,*&% lsQf ;fwf/0f z]o/x? ljQLo ;+:yfsf] ;]jfdf /x]sf sd{rf/Lx?sf] nflu tyf ;j{;fwf/0fx?nfO{ 5'§ofPsf] z]o/ dWo]sf] %% cyf{t !@,%)) lsQf ;fwf/0f z]o/x? ;fd'lxs nufgL sf]ifsf] nflu 5'6\ofP/ ;'/lIft ul/Psf] 5 . o;/L 5'6\ofOPsf] z]o/ sd{rf/Lx?sf] xsdf ;+rfns ;ldltn] cf}lrTok"0f{ tj/af6 afF8kmfF6 ug]{]5 tyf ;fd"lxs nufgL sf]ifsf] xsdf ;fd"lxs nufgL sf]if lgodfjnL, @)^& adf]lhd afF8kmfF6 ul/g]5 . sd{rf/L tyf ;fd'lxs nufgL sf]ifx?af6 ;Dk"0f{ z]o/sf] nflu dfu eO{ gcfPsf] cj:yfdf afFsL z]o/x? ;j{;fwf/0fdf afF8kmfF8 ul/g]5 .

-em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cfˆgf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M ljQLo ;+:yfn] sDkgL P]g, @)^# n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] n3'ljQ ljQLo ;+:yfsf] pb\3f]if0f /x]sf] 5 . ;fy} o; ljQLo ;+:yfn] sDkgL /lhi6«f/sf] sfof{nodf cfly{s aif{ @)&$÷)&% ;Ddsf] ljj/0f k]z u/]sf] x'gfn] pQm cfly{s aif{ ;Dddf o; ljQLo ;+:yf sDkgL /lhi6«f/sf] sfof{nodf cBfjlws /x]sf] / ;f] Aoxf]/fsf] hfgsf/L sDkgL /lhi6«f/sf] sfof{nosf] ldlt @)&%÷)*÷!@, r=g+=!^^*(÷)&%÷&^ sf] kqaf6 k|fKt ePsf] 5 .

-`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M o; ljj/0fkq dfkm{t lgisflzt ;fwf/0f z]o/ laqmL ljt/0fsf nflu g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?sf tyf ltgsf tf]lsPsf] zfvf sfof{nox?af6 cfa]bg lbg;Sg] Aoa:yf ul/Psf] 5 .

-6_ qm]l86 /]l6Ë ;DaGwL Aoa:yf M ?=# s/f]8 eGbf sdsf] ;fj{hlgs lgisfzg ePsf]n] qm]l86 /]l6Ë ug'{ kg]{ afWofTds Aoa:yf gePsf]n] xfn qm]l86

/]l6Ë gul/Psf] . -7_ ljj/0fkq tof/ ug]{sf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ejsf] ljj/0f M o; ljj/0fqk tof/ ug]{ Aoj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws PgcfO{laPn P; Soflk6n ln=, nflhDkf6,

sf7df08f}+ /x]sf] 5 . -8_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M

g]kfn :6s PS;r]Gh lnld6]8df ;"lrs/0f u/] kZrft\ z]o/sf] bflvn vf/]h, b:tvt ?h' cflb ;DaGwL sfo{ o; ljQLo ;+:yfsf] sfof{noaf6 jf ljQLo ;+:yfsf] ;+rfns ;ldltn] tf]s] adf]lhd z]o/ /lhi6«f/sf] sfof{noaf6 x'g] u/L Joj:yf ul/g]5 .

-9_ ;sf/fTds kIfx? M !_ n3'ljQ If]qsf cg'ejL tyf bIf AolQmx?åf/f :yflkt ePsf]n] o; n3'ljQ ljQLo ;+:yfsf] Aoa:yfkg ;Ifd tyf

k|efjsf/L ePsf] . @_ :yfgLo ;d'bfodf ljQLo ;+:yfn] agfPsf] cld6 5fk,

29

#_ l56f] 5l/tf] ;]jf Pj+ lg0f{o lbg] jftfj/0f, $_ ljQLo ;+:yfsf] ;~rfns ;ldlt / Aoj:yfkgdf /x]sf] cGt/fli6«o, /fli6«o tyf :yfgLo :t/sf] 1fg / cg'ej, %_ gLltut kf/blz{tf / alnof] ;+:yfut z';f;g, ^_ ;fdflhs lhDd]jf/L / bfloTj

-0f_ ;fwf/0f z]o/sf] ljqmL v'Nnf cjlw M o; ljj/0fkqåf/f ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0fx?df hf/L ul/g] ;fwf/0f z]o/x?sf] nflu cfj]bg lbg] cjlw laqmL v'Nnf ePsf] ldltaf6 slDtdf $ -rf/_ sfo{ lbg / a9Ldf #) lbg ;Dd v'Nnf /xg]5 .

@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{ ?kdf

lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ ;+rfnsx?sf] gfd tyf b:tvt .

l;=g+= ;+rfnsx?sf] gfd Kfb

b:tvt

!= pbo gf/fo0f a/fn cWoIf

@= s[i0f k|;fb uf}td ;+rfns

#= /fh' k|;fb clwsf/L ;+rfns

$= lu/L /fh kf]v/]n ;+rfns

%= laho s'df/ bfxfn ;+rfns

^= k|sfz rGb| uf}td ;+rfns

@$= lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o" 8]lnh]G; ;l6{lkms]6_ sf] k|lt M ;+nUg ul/Psf] .

@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M ;+nUg ul/Psf] .