Fo||cy ocumoot - Ie|s arc Ccrc|t|crs cl ]cu| pc||c]

I6I6I Fru uaraotood 8av|ogs Iosuraoco F|ao

ur|cue |cert|l|cat|cr |uue| (u||} a||cttec u] |rsu|arce Reu|atc|] arc Deve|cpert /ut|c||t] (|RD/}
IN: I6I6I Fru uaraotood 8av|ogs Iosuraoco F|ao: 105|111V01
|r t||s cccuert, ]cu c| ]cu| w||| |ele| tc t|e |c||c]|c|ce| |.e. t|e cwre| cl t||s |c||c] arc we, us, cu|, |rsu|e|
c| t|e Ccpar] w||| |ele| tc |C|C| ||ucert|a| l|le |rsu|arce Ccpar] l||tec c| ar] cl |ts successc|s.
Froo|ook For|od: / pe||cc cl 15 ca]s |s ava||au|e tc ]cu tc |ev|ew t|e |c||c]. |l ]cu cc rct l|rc t|e |c||c] su|tau|e, t||s
|c||c] cccuert ust ue |etu|rec tc t|e Ccpar] lc| carce||at|cr w|t||r 15 ca]s l|c t|e cate ]cu |ece|vec |t. 0r
carce||at|cr cl t|e |c||c] cu||r t|e l|ee |cc| pe||cc, we w||| |etu|r t|e p|e|u alte| cecuct|r t|e stap cut] pa|c
urce| t|e |c||c] arc t|e eperses |rcu||ec u] t|e Ccpar] cr ec|ca| ea|rat|cr cl t|e l|le /ssu|ec, |l ar]. I|e
|c||c] s|a|| te||rate cr pa]ert cl t||s acurt arc a|| |||ts, uerel|ts arc |rte|ests urce| t||s |c||c] w||| starc
et|ru|s|ec.
1. oI|o|t|oos: |r t|e |c||c] cccuert, ur|ess t|e ccrtet ct|e|w|se |ecu||es. a} I|Io Assurod |s t|e pe|scr cr
w|cse ||le t|e |c||c] ccrt|act |as ueer |ssuec. b} Fo||cyho|dor |s t|e cwre| cl t|e |c||c] at ar] pc|rt cl t|e.
c} ogu|ator |s t|e aut|c||t] t|at |as |eu|atc|] ju||sc|ct|cr arc pcwe|s cve| t|e Ccpar]. d} |sk
6ommoocomoot ato as s|cwr |r t|e |c||c] Ce|t|l|cate |s t|e cate l|c w||c| t|e ||s| lc| t|e Ccpar] urce|
t||s |c||c] sta|ts. o} 8um Assurod |s t|e su cl p|e|us pa]au|e cu||r t|e te| cl t|e ccrt|act arc s|a||
uecce pa]au|e cr Date cl Vatu||t]. I} ross rodompt|oo y|o|d (} |s t|e arrua||sec ]|e|c tc atu||t] cl a 10
]ea| uerc|a|| C-Sec as |epc|tec u] Reute|s, |curcec ccwr tc t|e |cwe| u|t|p|e cl 0.2. g} ogu|ar Add|t|oo
s|a|| ue ca|cu|atec as a pe|certae cl t|e Su /ssu|ec. I|e Reu|a| /cc|t|cr w||| acc|ue at t|e erc cl eac| pc||c]
]ea|. I||s pe|certae |s ua|arteec tc ue 50 cl t|e arrua||sec |css |ecept|cr ]|e|c (CRY} cl t|e 10-]ea| C-Sec
as cr t|e 'Rev|ew Date' |ec|ate|] p|ecec|r t|e sta|t cl t|at pc||c] ]ea|. h} ov|ow ato lc| t|e pu|pcse cl
t| t|
Reu|a| /cc|t|crs s|a|| ue t|e 7 cl t|e l||st crt| cl eve|] cua|te| cl t|e ca|erca| ]ea|. |r case 7 |s rct a wc|||r
ca], t|e CRY cl t|e ret wc|||r ca] s|a|| ue ccrs|ce|ec lc| t||s pu|pcse.
2. oooI|ts Fayab|o:
2.1 uaraotood Matur|ty oooI|t (M}: 0r su|v|va| cl t|e l|le /ssu|ec t||| t|e cate cl atu||t], t|e
|c||c]|c|ce| w||| ue e|||u|e lc| a Cua|arteec Vatu||t] Berel|t (CVB} w||c| wcu|c ue t|e su cl (a} Su /ssu|ec
(b} Reu|a| /cc|t|crs, acc|uec cr eac| pc||c] arr|ve|sa|] lc| t|e ert||e te| cl t|e pc||c]. I|e Reu|a| /cc|t|cr w|||
acc|ue tc t|e CVB at t|e erc cl eac| pc||c] ]ea| arc |s ua|arteec, crce |t acc|ues. |t w||| ue c|sc|csec at t|e sta|t
cl t|at pc||c] ]ea|.
2.2 Matur|ty Add|t|oos: / atu||t] acc|t|cr a] ue ace tc t|e CVB cr t|e Date cl Vatu||t]. 'Vatu||t]
/cc|t|crs' w||| ue cec|a|ec as a pe|certae cl t|e Su /ssu|ec arc a|e ua|arteec rct tc la|| ue|cw te|c.
2.3 Matur|ty oooI|t: I|e tcta| atu||t] uerel|t s|a|| ccrs|st cl Cua|arteec Vatu||t] Berel|t arc t|e app||cau|e
Vatu||t] /cc|t|crs. 0r pa]ert cl atu||t] uerel|t, t|e |c||c] wcu|c ue te||ratec arc a|| t|e |||ts, uerel|ts arc
|rte|est urce| t|e sa|c |c||c] s|a|| ue et|ru|s|ec.
2.4 uaraotood oath oooI|t (}: |r t|e urlc|turate evert cl ceat| cl t|e l|le /ssu|ec uelc|e t|e Date cl
Vatu||t] arc w|||e t|e |c||c] |s |rlc|ce, t|e Ccpar] s|a|| pa] a|| t|e p|e|us pa|c urce| t|e |c||c] t||| t|e cate cl
ceat| cl t|e l|le /ssu|ec accuu|atec at 5 ccpcurc |rte|est pe| arru. I|e |c||c] s|a|| te||rate cr t|e sa|c
pa]ert. /|| |||ts, uerel|ts arc |rte|ests urce| t||s |c||c] s|a|| starc et|ru|s|ec upcr t||s pa]ert.
2.5 oooI|ts Fayab|o to: I|e uerel|ts urce| t||s |c||c] w||| uecce pa]au|e tc t|e |c||c]|c|ce| c| tc t|e
ass|ree w|e|e a va||c ass|rert |as ueer |ecc|cec (|r accc|carce w|t| Sect|cr 38 cl t|e |rsu|arce /ct, 1938}
c| tc t|e rc|ree(s} w|e|e a va||c rc|rat|cr |as ueer |e|ste|ec u] t|e Ccpar] (|r accc|carce w|t| sect|cr 39
cl t|e |rsu|arce /ct, 1938}, c| tc t|e eecutc|s, ac|r|st|atc|s c| ct|e| |ea| |ep|esertat|ves w|c s|a|| cuta|r
|ep|esertat|cr tc t|e estate c| tc suc| pe|scr(s} as c||ectec u] a ccu|t cl ccpetert ju||sc|ct|cr |r |rc|a, |||tec at
a|| t|es tc t|e cr|es pa]au|e urce| t||s |c||c]. I|e Ccpar] cces |e|eu] a|ee, t|at (|} cr p|ccl tc t|e
sat|slact|cr cl t|e Ccpar] cl t|e uerel|ts |av|r uecce pa]au|e as set cut |r t||s |c||c] arc (||} cl t|e t|t|e cl t|e
sa|c pe|scr c| pe|scrs c|a||r pa]ert arc (|||} cl t|e cc||ectress cl t|e ae cl t|e l|le /ssu|ec statec |r t|e
p|cpcsa| (|l rct p|ev|cus|] ac|ttec} arc (|v} upcr t|e |apper|r cl ar evert upcr w||c| cre c| c|e uerel|ts
uecce pa]au|e urce| t||s |c||c], t|e Su /ssu|ec c| t|e app|cp||ate uerel|t w||| ue pa|c u] t|e Ccpar].
3. Faymoot oI prom|ums: |. ||e|us urce| t|e |c||c] car ue pa|c cr ]ea||], |a|l-]ea||] c| crt||] uas|s as pe| t|e
l|ecuerc] c|cser u] t|e |c||c]|c|ce| arc as ert|crec cr t|e |c||c] ce|t|l|cate. ||. ||e|u as ert|crec cr t|e
|c||c] ce|t|l|cate a|cr w|t| se|v|ce ta arc ecucat|cr cess |s |ecu||ec tc ue pa|c cr t|e p|e|u cue cate. |||. /
|ace pe||cc cl rct c|e t|ar 30 ca]s, w|e|e t|e cce cl pa]ert cl p|e|u |s ct|e| t|ar crt||] arc rct c|e
t|ar 15 ca]s |r t|e case cl crt||] cce |s a||cwec l|c t|e p|e|u cue cate lc| pa]ert cl p|e|us. |v. |l t|e
p|e|u |s rct pa|c w|t||r t|e |ace pe||cc cu||r t|e l||st t||ee pc||c] ]ea|s, t|e pc||c] s|a|| |apse arc rc uerel|ts
wcu|c ue pa]au|e. |l t|e p|e|u |s rct pa|c w|t||r t|e |ace pe||cc ar] t|e alte| t|e l||st t||ee pc||c] ]ea|s, t|e
pc||c] s|a|| uecce a pa|c-up pc||c] arc uerel|ts urce| t|e pc||c] s|a|| uecce pa]au|e cr|] |r accc|carce w|t|
C|ause 1 as statec ue|cw. v. I|e|e w||| ue rc cu||at|cr cr t|e Ccpar] tc rct|l] t|e |c||c]|c|ce| cl t|e p|e|u
cue cates. v|. Ycu a] c|ccse tc pa] p|e|u t||cu| ar] cl t|e lc||cw|r cces. a. Cas|' b. C|ecue c. Dearc
D|alt d. |a] 0|ce| o. Bar|e|'s C|ecue I. |rte|ret g. E|ect|cr|c C|ea||r S]ste h. C|ec|t Ca|c
'/curt arc cca||t|es w||| ue suuject tc cu| |u|es arc |e|evart |e|s|at|cr c| |eu|at|cr. v||. /r] pa]ert ace
tcwa|cs p|e|u s|a|| ue ceeec tc ue |ece|vec u] t|e Ccpar] cr|] w|er t|e sae |as ueer |ece|vec arc
|ea||sec at ar] cl t|e Ccpar]'s cll|ces. v|||. |l t|e p|e|u |s pa|c |r acvarce, t|er t|e sae s|a|| ue app||ec tc
t|e |c||c] cr|] cr t|e cue cate lc| t|e pu|pcse cl ca|cu|at|r t|e ceat| uerel|t. |x. |l t|e |c||c]|c|ce| suspercs
pa]ert cl p|e|u lc| ar] |eascr w|atsceve|, t|e Ccpar] s|a|| rct ue |e|c ||au|e arc t|e uerel|ts, |l ar], s|a||
uecce pa]au|e cr|] |r accc|carce w|t| t|e |c||c] te|s arc ccrc|t|crs.
4. Fa|d-up va|uo: I|e |c||c] accu||es pa|c-up va|ue cr|] alte| ccp|et|cr cl t||ee |c||c] ]ea|s arc suuject tc
pa]ert cl p|e|us lc| t||ee lu|| |c||c] ]ea|s. |a|c-up Su /ssu|ec (|uS/} w||| ue ca|cu|atec as lc||cws. |uS/
~ CVB / (|uue| cl p|e|us pa|c/ |uue| cl p|e|us pa]au|e urce| t|e |c||c]} / pa|c-up pc||c] w||| rct ue
ert|t|ec tc ar] lu|t|e| Reu|a| /cc|t|crs. I|e |uS/ w||| ue pa]au|e cr|] cr su|v|va| tc atu||t]. 0r |ev|va| cl a pa|c-
up pc||c], t|e |uS/ w||| ue |rc|easec tc t|e CVB lc| ar |cert|ca| p|e|u-pa]|r |c||c]. /|| cutstarc|r p|e|us
ust ue pa|c w|t| |rte|est.I|e ccputat|cr cl |rte|est w||| ue at t|e CRY at t|e Rev|ew Date |ec|ate|]
p|ecec|r t|e cate cl |ev|va|, p|us 2 pe| arru. |r t|e evert cl ceat| cl t|e l|le /ssu|ec |r a pa|c-up pc||c], t|e
Ccpar] s|a|| |etu|r a|| t|e p|e|us pa|c urce| t|e |c||c] at 5 ccpcurc |rte|est. I|e |c||c] s|a|| te||rate cr
t||s pa]ert. /|| |||ts, uerel|ts arc |rte|ests urce| t||s |c||c] s|a|| starc et|ru|s|ec upcr t||s pa]ert.
5. uaraotood 8urroodor va|uo (8v}: I|e |c||c] w||| accu||e su||erce| va|ue cr|] alte| ccp|et|cr cl t||ee |c||c]
]ea|s arc suuject tc pa]ert cl p|e|us lc| t||ee lu|| |c||c] ]ea|s. |c uerel|t s|a|| uecce pa]au|e urce| t|e
|c||c] |l p|e|us a|e rct pa|c lc| t||ee pc||c] ]ea|s. I|e ua|arteec su||erce| va|ue |s ecua| tc t|||t] l|ve pe|cert
cl t|e p|e|us pa|c, ec|uc|r a} t|e p|e|us pa|c lc| t|e l||st pc||c] ]ea| arc u} a|| et|a p|e|us pa|c, |l ar],
urce| t||s |c||c]. I|e su||erce| s|a|| et|ru|s| a|| t|e |||ts, uerel|ts arc |rte|ests urce| t|e |c||c].
6. Noo uaraotood 8urroodor va|uo (N8v}: I|e rcr-ua|arteec su||erce| va|ue w||| ue ca|cu|atec as t|e
p|esert va|ue cl t|e |uS/, c|sccurtec at t|e CRY at t|e Rev|ew Date |ec|ate|] p|ecec|r t|e cate cl su||erce|
p|us 2 pe|cert pe| arru. I|e su||erce| s|a|| et|ru|s| a|| t|e |||ts, uerel|ts arc |rte|ests urce| t|e |c||c]. 0r
su||erce|, t|e Ccpar] s|a|| pa] CSV c| |CSV, w||c|eve| |s |||e|.
7. Ioaos: lcars wcu|c ue |artec urce| t||s |c||c] cr|] alte| t|e |c||c] |as accu||ec a su||erce| va|ue arc |t w||| ue
suuject tc t|e ue|cw ert|crec te|s arc ccrc|t|crs. (|} lcars urce| t|e |c||c] car ue |artec up tc a a|u cl
80 cl t|e su||erce| va|ue. (||} lcars a] ue |artec cr p|ccl cl t|t|e tc t|e |c||c]. (|||} I|e |c||c] s|a|| ue ass|rec
ausc|ute|] tc arc ue |e|c u] t|e Ccpar] as secu||t] lc| |epa]ert cl t|e |car arc |rte|est t|e|ecr. (|v} I|e |car
s|a|| ca||] |rte|est at t|e |ate spec|l|ec u] t|e Ccpar] at t|e t|e w|er t|e |car |s acvarcec. (v} I|e |car acurt
a] ue |epa|c at ar] t|e uelc|e a c|a| a||ses. |cweve|, |rte|est s|a|| ue c|a|ec lc| a |r|u pe||cc cl s|
crt|s. (v|} I|e l||st pa]ert cl |rte|est s|a|| la|| cue cr t|e |a|l-]ea||] |c||c] arr|ve|sa|] lc||cw|r t|e cate cr
w||c| t|e |car |s acvarcec arc t|e|ealte| cr eve|] |a|l-]ea||] |c||c] arr|ve|sa|]. (v||} |r case t|e |c||c] |esu|ts |r a
c|a| u] atu||t] c| ct|e|w|se uelc|e t|e |epa]ert cl t|e |car |r lu|| w|t| |rte|est, t|e Ccpar] s|a|| ue ert|t|ec tc
|eccve| t|e cutstarc|r |car arc |rte|est l|c ar] cr|es pa]au|e urce| t|e |c||c]. (v|||} I|e |c||c] w||| ue
lc|ec|csec |r case t|e cutstarc|r pc||c] |car w|t| acc|uec |rte|est eceecs t|e su||erce| va|ue.
8. Forco Majouro: |l t|e pe|lc|arce u] t|e Ccpar] cl ar] cl |ts cu||at|crs |e|e|r s|a|| ue |r ar] wa] p|evertec c|
||rce|ec |r ccrsecuerce cl ar] act cl cc c| state, st|||e, |cc| cut, |e|s|at|cr c| |est||ct|cr cl ar] Ccve|rert c|
ct|e| aut|c||t] c| ar] ct|e| c||custarces ue]crc t|e art|c|pat|cr c| ccrt|c| cl t|e Ccpar], t|e pe|lc|arce cl
t||s ccrt|act s|a|| ue w|c||] c| pa|t|a||] suspercec cu||r t|e ccrt|ruarce cl ar] cl t|e sa|c everts.
9. ooora| Frov|s|oos: W|e|e t|e |c||c] |as ueer |ssuec cr t|e ||le cl a |rc|, t|e |c||c] w||| autcat|ca||] vest cr
|| cr ||s atta|r|r ajc||t]. I|e |c||c] w||| ccrt|rue tc vest cr t|e ||cpcse|, |l t|e |c||c] |s p|cpcsec u] a ||rcu
urc|v|cec |a||] cr t|e ||le cl a |rc|.
ooora| 6ood|t|oos
1. Ago: |r case ]cu |ave rct p|cv|cec p|ccl cl ae cl t|e l|le /ssu|ec w|t| t|e p|cpcsa| lc|, ]cu s|a|| lu|r|s| suc|
p|ccl cl ae cl t|e l|le /ssu|ec as |s acceptau|e tc us arc |ave t|e ae ac|ttec. |l t|e cc||ect ae cl t|e l|le
/ssu|ec a|es || |re|||u|e lc| t||s p|ccuct, we s|a|| clle| a su|tau|e pc||c] as pe| cu| urce|w||t|r rc|s. |l ]cu
cc rct w|s| tc cpt lc| t|e a|te|rat|ve pc||c] c| |l |t |s rct pcss|u|e lc| us tc |art ar] ct|e| pc||c], t|e |c||c] s|a|| starc
carce||ec l|c t|e cate cl |ssuarce arc cr|] t|e su||erce| va|ue, |l ar], s|a|| uecce pa]au|e.
2. ov|va| oI tho Fo||cy: / |c||c], w||c| |as |apsec lc| rcr-pa]ert cl p|e|u, a] ue |ev|vec suuject tc t|e
lc||cw|r ccrc|t|crs. a. I|e app||cat|cr lc| |ev|va| |s ace w|t||r twc ]ea|s l|c t|e cue cate cl t|e l||st urpa|c
p|e|u arc uelc|e t|e Date cl Vatu||t]. Rev|va| w||| ue uasec cr t|e |ev|va| rc|s cl t|e Ccpar] t|er
app||cau|e. b. I|e |c||c]|c|ce| s|a||, at ||s cwr eperse, lu|r|s| sat|slactc|] ev|cerce cl |ea|t| cl t|e l|le /ssu|ec
as a] ue |ecu||ec u] t|e Ccpar]. c. I|e a||ea|s cl p|e|us tcet|e| w|t| |rte|est, at suc| |ate as t|e Ccpar]
a] cec|a|e l|c t|e tc t|e, lc| |ate pa]ert cl p|e|us, a|e pa|c. I|e ccputat|cr cl |rte|est w||| ue at t|e
CRY at t|e Rev|ew Date |ec|ate|] p|ecec|r t|e cate cl |ev|va|, p|us 2 pe| arru. d. I|e |ev|va| cl t|e |c||c]
a] ue cr te|s c|lle|ert l|c t|cse app||cau|e tc t|e |c||c] uelc|e |t |apsec. I|e Ccpar] |ese|ves t|e |||t tc
|eluse tc |ev|ve t|e |c||c]. |r t|at case, cr|] t|e p|e|u pa|c tcwa|cs |ev|va| cl t|e |c||c] s|a|| ue |elurcec w|t|cut
|rte|est. o. I|e |ev|va| w||| ta|e ellect cr|] cr |ts ue|r spec|l|ca||] ccur|catec u] t|e Ccpar] tc t|e
|c||c]|c|ce|.
/r] c|are |r |ev|va| ccrc|t|crs w||| ue suuject tc p||c| app|cva| l|c t|e Reu|atc| arc w||| ue c|sc|csec tc
|c||c]|c|ce|.
3. Ass|gomoot aod oom|oat|oo: a. /r ass|rert cl t||s |c||c] a] ue ace u] ar ercc|seert upcr t|e |c||c]
|tse|l c| u] a sepa|ate |rst|uert s|rec |r e|t|e| case u] t|e ass|rc| spec|l|ca||] stat|r t|e lact cl ass|rert
arc cu|] attestec. I|e l||st ass|rert a] ue cr|] ace u] t|e |c||c]|c|ce|. Suc| ass|rert s|a|| ue ellect|ve,
as aa|rst t|e Ccpar], l|c arc upcr t|e se|v|ce cl a w||tter rct|ce upcr t|e Ccpar] arc t|e Ccpar]
|ecc|c|r t|e ass|rert |r |ts ucc|s. /ss|rert w||| rct ue pe||ttec w|e|e t|e |c||c] |s urce| t|e Va|||ec
Wcer's ||cpe|t] /ct, 1871. Sect|cr 38 cl t|e |rsu|arce /ct a] ue |ele||ec tc lc| t|e ccp|ete p|cv|s|cr |e|at|r
tc t|e ass|rert. b. I|e l|le /ssu|ec, w|e|e |e |s t|e |c|ce| cl t|e |c||c], a], at ar] t|e w|||e t|e |c||c] |s |r
lc|ce, a|e a rc|rat|cr lc| t|e pu|pcse cl pa]ert cl t|e cr|es secu|ec u] t|e |c||c] |r t|e evert cl ||s ceat|.
W|e|e t|e rc|ree |s a |rc|, |e a] a|sc appc|rt a pe|scr tc |ece|ve t|e cre] cu||r t|e |rc||t] cl t|e
rc|ree. |c|rat|cr a] ue ace u] ar ercc|seert cr t|e |c||c] arc u] ccur|cat|r t|e sae |r w||t|r tc
t|e Ccpar]. /r] c|are cl rc|rat|cr, w||c| a] ue ellectec w|||e t|e |c||c] |s |r lc|ce s|a|| a|sc ue
ccur|catec tc t|e Ccpar]. Sect|cr 39 cl t|e |rsu|arce /ct, 1938 a] ue |ele||ec tc lc| t|e ccp|ete
p|cv|s|cr |e|at|r tc rc|rat|cr.
I|e Ccpar] u] |tse|l cces rct ep|ess ar] |espcrs|u|||t] cr t|e |ea||t] c| va||c|t] cl ar ass|rert c| rc|rat|cr.
4. 8u|c|do: |l t|e l|le /ssu|ec w|et|e| sare c| |rsare, cc|ts su|c|ce w|t||r cre ]ea| l|c t|e cate cl |ssue cl t||s
|c||c], t|e |c||c] s|a|| ue vc|c arc rc uerel|ts s|a|| ue pa]au|e. W|e|e t|e |c||c] |s |ev|vec, su||erce| va|ue ,|l ar],
s|a|| ue pa]au|e |l t|e l|le /ssu|ec, w|et|e| sare c| |rsare, cc|ts su|c|ce w|t||r cre ]ea| l|c t|e cate cl
|ev|va| cl t|e |c||c].
5. Iocootostab|||ty: a. Io accordaoco w|th 8oct|oo 45 oI tho Iosuraoco Act, 1938: |c |c||c] cl ||le |rsu|arce
ellectec uelc|e t|e ccerceert cl t||s /ct s|a|| alte| t|e ep||] cl twc ]ea|s l|c t|e cate cl ccerceert
cl t||s /ct arc rc |c||c] cl ||le |rsu|arce s|a|| alte| t|e ep||] cl twc ]ea|s l|c t|e cate cr w||c| |t was ellectec
alte| t|e cc|r |rtc lc|ce cl t||s /ct s|a|| alte| t|e ep||] cl twc ]ea|s l|c t|e cate cr w||c| |t was ellectec, ue
ca||ec |r cuest|cr u] ar |rsu|e| cr t|e |curc t|at a stateert ace |r t|e p|cpcsa| cl |rsu|arce c| ar] |epc|t cl a
ec|ca| cll|ce|, c| a |ele|ee, c| l||erc cl t|e |rsu|ec , c| |r ar] ct|e| cccuert |eac|r tc t|e |ssue cl t|e |c||c], was
|raccu|ate c| la|se, ur|ess t|e |rsu|e| s|cws t|at suc| stateerts we|e cr ate||a| atte| c| supp|essec lacts
w||c| |t was ate||a| tc c|sc|cse arc t|at |t was l|aucu|ert|] ace u] t|e |c||c]|c|ce| arc t|at t|e |c||c]|c|ce|
|rew at t|e t|e cl a||r |t t|at t|e stateert was la|se c| t|at |t supp|essec lacts w||c| |t was ate||a| tc
c|sc|cse. ||cv|cec t|at rct||r |r t|e sect|cr s|a|| p|evert t|e |rsu|e| l|c ca|||r lc| p|ccl cl ae at ar] t|e |l |e |s
ert|t|ec tc cc sc arc rc |c||c] s|a|| ue ceeec tc ue ca||ec |r cuest|cr e|e|] uecause t|e te|s cl t|e |c||c] a|e
acjustec cr suusecuert p|ccl t|at t|e ae cl t|e l|le |rsu|ec was |rcc||ect|] statec |r t|e p|cpcsa|. b. We |e|] upcr
t|e |rlc|at|cr |ver u] ]cu |r t|e p|cpcsa| lc| arc |r ar] ct|e| cccuert(s} suu|ttec |r suppc|t cl t|e p|cpcsa|
lc|. We a|sc |e|] upcr ]cu| ce|t|l|cat|cr t|at t|e cccuert(s} p|cv|cec |r suppc|t cl t|e p|cpcsa| lc| |s c| a|e
eru|re arc ucra l|ce. I|e |c||c] |s suuject tc t|e te|s arc ccrc|t|crs as ert|crec |r t|e |c||c] cccuert arc |s
cve|rec u] t|e |aws cl |rc|a.
6. Not|cos: /r] rct|ce, c||ect|cr c| |rst|uct|cr |ver urce| t||s |c||c] s|a|| ue |r w||t|r arc ce||ve|ec u] |arc, pcst,
lacs|||e c| e-a|| tc. Io caso oI tho Fo||cyho|dor or tho Nom|ooo: /s pe| t|e ceta||s spec|l|ec u] t|e
|c||c]|c|ce| c| t|e rc|ree |r t|e p|cpcsa| lc| c| c|are cl acc|ess |rt|at|cr suu|ttec u] ||. Io caso oI tho
6ompaoy: /cc|ess. Custce| Se|v|ce Des|, |C|C| ||ucert|a| l|le |rsu|arce Ccpar] l||tec, V|rcc S||| V|||s
Ccpcurc, C|a||ava|t|] /s|c| |aa|, /s|c| Rcac, Karc|va|| (East}, Vuua|- 100 101. |acs|||e. 022 o7100803
/ 805. E-a||. ||le||re_|c|c|p|u||le.cc. I|e Ccpar]'s weus|te ust ue c|ec|ec lc| t|e upcatec ccrtact ceta||s.
|ct|ce arc |rst|uct|crs sert u] t|e Ccpar] tc t|e |c||c]|c|ce| w||| ue ceeec se|vec sever ca]s alte| pcst|r c|
|ec|ate|] upcr |ece|pt |r t|e case cl |arc ce||ve|], lacs|||e c| e-a||. I|e |c||c]|c|ce| s|cu|c |ec|ate|]
|rlc| t|e Ccpar] aucut t|e c|are |r t|e acc|ess c| t|e rc|ree pa|t|cu|a|s tc erau|e t|e Ccpar] tc se|v|ce
|| ellect|ve|].
7. Iog|s|at|vo 6haogos: I||s |c||c] |rc|uc|r t|e p|e|us arc t|e uerel|ts urce| t|e |c||c] w||| ue suuject tc t|e
taes arc ct|e| statutc|] |ev|es as a] ue app||cau|e l|c t|e tc t|e. I|e |c||c]|c|ce| s|a|| ue |ecu||ec tc pa]
se|v|ce ta, ecucat|cr cess c| ar] ct|e| lc| cl taes c| c|a|es c| |ev|es as pe| p|eva|||r |aws arc |eu|at|crs,
w|e|eve| app||cau|e as pe| t|e Ccpar]'s pc||c].
8. Faymoot oI 6|a|m: Belc|e pa]ert cl ar] c|a| urce| t|e |c||c], t|e Ccpar] w||| |ecu||e t|e ce||ve|] cl t|e
c|||ra| cl t||s |c||c] cccuert a|cr w|t| w||tter |rt|at|cr arc t|e lc||cw|r cccuerts estau||s||r t|e |||t cl
t|e c|a|art c| c|a|arts tc |ece|ve pa]ert. C|a| pa]erts a|e ace cr|] |r |rc|ar |upees. |. C|a|art's
Stateert ||. Deat| Ce|t|l|cate cl t|e l|le /ssu|ec |ssuec u] t|e |cca| arc ec|ca| aut|c||t] |||. /r] ct|e|
cccuerts c| |rlc|at|cr as a] ue |ecu||ec u] t|e Ccpar] lc| p|ccess|r cl t|e c|a|.
9. E|octroo|c Iraosact|oos: I|e Ccpar] p|cv|ces ce|ta|r lac|||t|es arc a] a|sc p|cv|ce acc|t|cra| lac|||t|es l|c
t|e tc t|e lc| ca||]|r cut t|arsact|crs t||cu| t|e |rte|ret, wc||c w|ce weu, e|ect|cr|c cata |rte|c|are, ca||
cert|es, te|ese|v|ce cpe|at|crs (w|et|e| vc|ce, v|cec, cata c| ccu|rat|cr t|e|ecl} c| u] ears cl e|ect|cr|c,
ccpute|, autcatec ac||res retwc|| c| t||cu| ct|e| ears cl te|eccur|cat|cr. /|| suc| t|arsact|crs
ca|||ec cut u] t|e |c||c]|c|ce| suuject tc t|e |e|evart u|ce||res arc te|s arc ccrc|t|crs as a] ue ace
app||cau|e u] t|e Ccpar] s|a|| ue va||c arc |ea||] u|rc|r cr t|e Ccpar] as we|| as t|e |c||c]|c|ce|. I|e
Ccpar] lu|t|e| |ese|ves t|e sc|e |||t tc te||rate, stcp c| cc awa] w|t| a|| c| ar] cl t|e sa|c lac|||t|es w|t|cut
ar] p||c| |rt|at|cr tc t|e |c||c]|c|ce|.
10.Jur|sd|ct|oo: I|e |c||c] |s suuject tc t|e te|s arc ccrc|t|crs as ert|crec |r t|e |c||c] cccuert arc |s
cve|rec u] t|e |aws cl |rc|a. 0r|] t|e ccu|ts, juc|c|a|, cuas| juc|c|a| arc |eu|atc|] ucc|es c|eatec urce| |aws c|
|eu|at|crs p|eva|||r |r |rc|a lc| t|e t|e ue|r |r lc|ce s|a|| |ave t|e ju||sc|ct|cr tc ccrs|ce| c| acjuc|cate c|spute,
|l ar], urce| t||s |c||c].
11.6ustomor 8orv|co: a. For aoy c|ar|I|cat|oo or ass|staoco, ]cu a] ccrtact cu| acv|sc| c| et |r tcuc| w|t|
ar] cl t|e tcuc| pc|rts as ert|crec cr t|e |eve|se cl t||s ucc||et. /|te|rat|ve|] ]cu a] ccur|cate w|t| us at
t|e custce| se|v|ce ces| acc|ess as statec |r c|ause o. I|e Ccpar]'s weus|te ust ue c|ec|ec lc| t|e upcatec
ccrtact ceta||s. b. r|ovaoco odrossa| 0II|cor: |c| ar] ccp|a|rts c| ||evarces, t|e |c||c]|c|ce| a] et |r
tcuc| w|t| t|e Ccpar]'s ces|ratec C||evarce Rec|essa| 0ll|ce| (CR0}. |c| CR0 ccrtact ceta||s, p|ease |ele| tc
t|e 'C||evarce Rec|essa|' sect|cr cr t|e Ccpar]'s weus|te www.|c|c|p|u||le.cc. c. r|ovaoco odrossa|
6omm|ttoo: |r t|e evert t|at ar] ccp|a|rt c| ||evarce acc|essec tc t|e CR0 |s rct |esc|vec w|t||r 10 ca]s, t|e
|c||c]|c|ce| a] esca|ate t|e sae tc t|e Ccpar]'s C||evarce Rec|essa| Cc|ttee at t|e acc|ess ert|crec
ue|cw. |C|C| ||ucert|a| l|le |rsu|arce Ccpar] l||tec, V|rcc S||| V|||s Ccpcurc, C|a||ava|t|] /s|c| |aa|,
/s|c| Rcac, Karc|va|| (East}, Vuua|- 100 101. I|e Ccpar]'s weus|te ust ue c|ec|ec lc| t|e upcatec ccrtact
ceta||s. d.Iosuraoco 0mbudsmao: (|} I|e Cert|a| Ccve|rert |as estau||s|ec ar cll|ce cl t|e |rsu|arce
0uucsar lc| |ec|essa| cl ||evarces w|t| |espect tc ||le |rsu|arce pc||c|es. (||} /s pe| p|cv|s|cr 13(3} cl t|e
Rec|essa| cl |uu||c C||evarces Ru|es 1998, t|e ccp|a|rt tc t|e 0uucsar car ue ace cr|] |l. I|e ||evarce
|as ueer |ejectec u] t|e C||evarce Rec|essa| Vac||re|] cl t|e |rsu|arce Ccpar] W|t||r a pe||cc cl cre ]ea|
l|c t|e cate cl |eject|cr u] t|e |rsu|arce Ccpar] |l ar] ct|e| Juc|c|a| aut|c||t] |as rct ueer app|cac|ec
(|||} |r case t|e |c||c]|c|ce| |s rct sat|sl|ec w|t| t|e cec|s|cr c| t|e |esc|ut|cr cl t|e Ccpar], t|e |c||c]|c|ce| a]
app|cac| t|e |rsu|arce 0uucsar at t|e acc|ess |ver ue|cw |l t|e ||evarce pe|ta|rs tc. ar] pa|t|a| c| tcta|
|epuc|at|cr cl c|a|s t|e p|e|u pa|c c| pa]au|e |r te|s cl t|e |c||c] ar] c|a| |e|atec c|spute cr t|e |ea|
ccrst|uct|cr cl t|e pc||c|es |r sc la| as suc| c|spute |e|ate tc c|a|s ce|a] |r sett|eert cl c|a|s rcr-|ssue cl
|c||c] cccuert tc custce| alte| |ece|pt cl p|e|us (|v} I|e ccp|a|rt tc t|e cll|ce cl t|e |rsu|arce
0uucsar (ceta||s |ver ue|cw} s|cu|c ue ace |r w||t|r cu|] s|rec u] t|e ccp|a|rart (|c||c]|c|ce|} c| u] ||s
|ea| |e||s w|t| lu|| ceta||s cl t|e ccp|a|rt arc t|e ccrtact |rlc|at|cr cl ccp|a|rart.
1. Ahmodabad: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, 2 l|cc|, /u|ca |cuse, ||.
C.u.S|a| Cc||ee, 5, |av]u Cc|cr], /s||a Rcac, /|VED/B/D 380 011. Jur|sd|ct|oo: State cl Cuja|at, uI cl
Dac|a c |aa| |ave||, Daar arc D|u. Ie|. 079- 2751o139/2751o810, |a. 079-2751o112,
E-a||. |rs.cu_|ec|lla||.cc
rc
2. hopa|: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, Jara| V||a| Ccp|e, 2 l|cc|, 0ppcs|te
/||te| 0ll|ce, Va|v|]a |aa|, B|0|/l. Jur|sd|ct|oo: States cl Vac|]a ||aces| c C||att|sa||.
Ie|. 0755-27o9201/02, |a. 0755-27o9203, E-a||. u|a|c|pa|u|cpa|_a||te|a||.|r
3. hubooshwar: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, o2, |c|est |a||, B|uuares|wa|
751009. Jur|sd|ct|oo: State cl 0|||sa Ie|. 0o71-259o1o1(D||ect}, Sec|eta|] |c. 0o71-259o155,
Ie|e |a. 0o71-259o129, E-a||. |ccuus|_catacre.|r
rc
4. 6haod|garh: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, S.C.0. |c.101, 102 c 103, 2 l|cc|,
Bat|a Bu||c|r, Sectc| 17-D, C|/|D|C/R| 1o0 017. Jur|sd|ct|oo: State cl |urjau, |a|]ara, ||ac|a| ||aces|,
Jau c Kas|| |, uI cl C|arc| a||. Ie| . 0172-270o19o/270o1o8, |a. 0172-2708271,
E-a||. cuc|c_]a|cc.cc.|r
t|
5. 6hoooa|: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, |at|a /||ta| Ccu|t, 1 l|cc|, 153 (c|c
312} /rra Sa|a|, Ie]rapet, C|E||/| o00 018. Jur|sd|ct|oo: State cl Ia|| |acu, uI|crc|c|e||] Icwr arc
Ka|a||a| (w||c| a|e pa|t cl uI cl |crc|c|e||]} Ie|. 011-21333o78/oo8, |a. 011-21333oo1,
E-a||. c|erra||rsu|arcecuucsar_a||.cc
6. Now o|h|: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, 2/2 /, ur|ve|sa| |rsu|arce B|c.,
/sal /|| Rcac, |EW DEl|| 110 002. Jur|sd|ct|oo: States cl De||| c Rajast|ar. Ie|. 011-23239o11/23239o33,
|a. 011-23230858, E-a||. |cuce||aj_|ec|lla||.cc
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7. uwahat|: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar Jeevar ||ves|, 5 l|cc|, ||. |aruata|
0ve|u||ce, |aruata|, S.S. Rcac CuW/|/I| 781 001. Jur|sd|ct|oo: States cl /ssa, Ve|a|a]a, Var|pu|,
V|tc|a, /|urac|a| ||aces|, |aa|arc arc I||pu|a. Ie|. 03o1-2131307/2132201/205, |a.03o1-2732937,
E-a||. cuucsar|]_|ec|lla||.cc
st
8. hydorabad: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, o-2-1o, 1 l|cc|, Vc|r Ccu|t lare,
0pp. Sa|ee |urct|cr |a|ace, /.C.Cua|cs, la|c|-Ka-|cc|, |YDER/B/D 500 001. Jur|sd|ct|oo: States cl /rc||a
||aces|, Ka|rata|a arc uI cl Yara a pa|t cl t|e uI cl |crc|c|e||]. Ie|. 010-o5501123, |a. 010-2337o599,
E-a||. |rscuuc|]c_a||.cc
rc
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9. Eroaku|am: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, 2 ||cc|, CC 27/2o03, |u||rat
Bu||c|r, 0pp. Ccc||r S||p]a|c, V.C. Rcac , ER|/Kul/V o82 015. Jur|sd|ct|oo: State cl Ke|a|a, uI cl (a}
la|s|acweep, (u} Va|e a pa|t cl uI cl |crc|c|e||]. Ie|. 0181-23587591, |a. 0181-235933o,
E-a||. |c|cc||_as|aret|rc|a.cc
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10. ko|kata: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, |c|t| B||t|s| B|c., 29, |.S. Rcac, 3
l|cc|, K0lK/I/ 700 001. Jur|sd|ct|oo: States cl West Bera|, B||a|, J|a|||arc arc uI cl /rcaar c ||ccua|
|s|arcs, S||||. Ie|. 033-221318o9, |a. 033-221318o8, E-a|| . |cu|c|_vsr|.ret
t|
11. Iuckoow: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, Jeevar B|awar, ||ase 2, o l|cc|,
|awa| K|s|c|e Rc. |at|atarj, luCK|0W 22o 001. Jur|sd|ct|oo: State cl utta| ||aces| arc utta|arc|a|.
Ie|. 0522-2201188, |a. 0522-2231310, E-a||. |rscuucsar_|ec|lla||.cc
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12. Mumba|: |rsu|arce 0uucsar 0ll|ce cl t|e |rsu|arce 0uucsar, Jeevar Seva /rree, 3 l|cc|,
S.V.Rcac, Sartac|ut (W}, VuVB/| 100 051. Jur|sd|ct|oo: States cl Va|a|as|t|a, Cca. |B/. 022-2o10o928,
|a. 022-2o10o052, E-a||. cuucsaruua|_a||.cc
Fo||cy 6ort|I|cato, Iorms aod 6ood|t|oos oI tho Fo||cy aod a|| tho oodorsomoots by tho 6ompaoy, |I aoy,
sha|| Iorm |otogra| part oI th|s cootract aod sha|| bo b|od|og oo tho part|os (E05: vor 1}
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