Ordlcs 4 th 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` DEB 44

LDM@] @CYYHF @HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss Bdtg
\cdigmfo Ldtcs dfl \mbc Tudrtcr Nmrst/Ycihfl
iio

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs fcicssdry prhiclurcs bust ec nh``hwcl dfl mn
M. HEACI\M^CY fcclcl, dllmtmhfd` `csshfs, cxcrimscs, dfl rcbclmd` ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo
Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf
`cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl mf tgc iurrmiu`ub oumlcs.
\gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn1
 D. Ihftcft Ytdfldrls 4. nrditmhfs
 5. lcimbd`s dfl pcricftdoc
\gc `cdrfcrs drc de`c th1
E. [crnhr
[crnhrbdfi
bdficc Y
Ytdfl
tdfldrl
drlss 4. [crnhrb hpcrdtmhfs1 dllmtmhf, suetrditmhf, bu`tmp`midtmhf dfl lmvmsmhf diiurdtc`y
5. Yh`vc prhe`cbs mfvh`vmfo nrditmhfs, lcimbd`s dfl pcricft rc`dtcl th eusmfcss
I. @cdrfmf
@cdrfmfoo Ihbpctcf
Ihbpctcfimc
imcs/
s/ \gc `cdrfcrs pcrnhrb nufldbcftd` hpcrdtmhfs hf nrditmhfs dfl lcimbd`s \gc `cdrfcrs cxprcss nrditmhfs th
DEBXEB44NH-Md-4 lcimbd`s
Heacitmvcs
_rmtc tgc @I ihlc nhr cdig vmic vcrsddfl pcricft nhrbs dfl
DEBXEB44NH-Md5
Nrditmhf dfl Mts Jmfls Dllmtmhf dfl Yuetrditmhf Nrditmhf Bu`tmp`midtmhf dfl Lmvmsmhf hn [crnhrb Nufldbcftd` Hpcrdtmhfs
MM. IHF\CF\ Nrditmhf hf Lcimbd`s

MMM
MMM.. @CDUFMFO UCYHSUICY
 D. Ucncrcfics
4. \cdigc
\cdigcr”s
r”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd`s pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb @cdrfmfo Eus
Eusm fc
fc ss
ss B
Bdd tg
tg cb
cb dt
dt mi s,
s, pppp . 4 -<
-< Eus
Eus mf cs
cs s B dt
dtg cb
cbd tmtm iiss, pp
pp. 77-- 4=
4= Eus
Eus mf cs
cs s B dt
dt gc
gc bd
bd tmtm iiss , pp . 55 -9
-9 < Eus
Eus mf cs
css B
Bdd ttgg cb
cb dt
dt mi s,
s, pppp. 99== -<
-<5
Ucshuric (@U) phrtd`
E. Htg
Htgcr
cr @cdrf
@cdrfmfo
mfo Ucsh
Ucshuri
urics
cs

\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt stulcfts wm`` `c
`cdrf
drf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn
M^. [UHIC SUCY
`cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th
`cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs, dfl lrdw ihfi`usmhfs dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl
prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
Lmvmsmhf hn [dbpdfod
4
 

 D. Ucvmcwmfo prcvmhus `csshf hr Ghw lh yhu uflcrstdfl nrditmhfs8 Ucvmcw tgc pdst `csshf ey cxprcssmfo Ucidp tgc prcvmhus `csshf ey [rcscft d fcw `csshf dehut ’
prcscftmfo tgc fcw `csshf Lmrcitmhfs1 tgc ufmts mfth nrditmhf dfl mlcftmny wgdt dsjmfo tgc stulcfts th sh`vc tgc Igdfomfo Nrditmhf th Lcimbd` dfl
M. \g c `cdrfcrs wm`` ec dsjcl jmfl hn nrditmhf drc tgc nh``hwmfo1 nh``hwmfo prhe`cbs hf tgc ehdrl. [cricft dfl ^mic ^crsd
ghw nrditmhfs wcrc 4. >/4
>/4 + 5/4
5/4;; + 3/=
3/= 2
mftrhluicl mf tgcmr prcvmhus 4. > ddss pdr
pdrtt hn d llhz
hzcf
cf 5. 4 ¶ + 7 3/> 2
ordlc `cvc`s. 5. 47 wccj
wccjss ds pdrt
pdrt hn d yc
ycdr 
dr  9. ? ==/4
/4;; + 9 ° + 3 5/9
5/9 2
MM. \g cf
cf, ddssj sh
shbc ``ccdrfcrs tthh 9. 53 ycdr
ycdrss ds pdrt
pdrt hn d icftu
icftury
ry <. 73 ’ 4< 4< 45/
45/49
4922
omvc cxdbp`cs hn nrditmhfs <. 5 scih
scihflflss mf hhfc
fc bmf
bmfut
utcc 3. < = ’ 5533 4/
4/7 2
dfl lrdw ihrrcsphflmfo 3. ? ldys
ldys ddss pdrt
pdrt hn
hn tg
tgcc wc
wccj
cj
vmsud` rcprcscftdtmhfs.  Dfswcrs1
Dfswcrs1
4.
4. ²
5. =/5>
9. °
<. 4/9;
3. 4

E. Cst
Cstde`
de`msg
msgmfo
mfo d purphs
purphscc nhr tgc
tgc Dsj  \gc tcdigcr wm`` strcss tgc usc hn Igcij `mst1 @ct tgc `cdrfcrs rcd`mzc tgc
`csshf   Ms tgcrc dfy mfstdfic mf yhur `mnc tgdt dllmtmhf dfl suetrditmhf hn nrditmhf mf   Lmrcitmhfs1 Mf d ² irhsswmsc, tgc mbphrtdfic hn igdfomfo nrditmhf th
yhu dpp`y yhur `cdrfmfos mf nrditmhf8 Ytdtc ldm`y `mnc pdrtmiu`dr`y mf eusmfcss. `cdrfcrs wm`` ec dsjcl th `mst lhwf lcimbd` dfl pcricft dfl vmic
yhur cxpcrmcfic. tgc mftdfics mf wgmig tgcy dpp`y vcrsd.
bu`tmp`midtmhf dfl lmvmsmhf mf tgcmr
`mvcs.

I. [rcscf
[rcscftmfo
tmfo cxdbp`cs/mfstdfics
cs/mfstdfics hn Ihfstruitmhf _hrjcrs Mf eusmfcss, wc usc dllmtmhf dfl Ydbc tgmfo wmtg dllmtmhf dfl \h ndim`mtdtc ihbputdtmhf mf
tgc fcw `csshf suetrditmhf, hn nrditmhf. @mjc nhr suetrditmhf hn nrditmhf, eusmfcss, wc usud``y ihfvcrt
  Ihfstruitmhf whrjcrs uscl nrditmhf mf cxdbp`c, Ddrhf dfl Ecrfdrl drc bu`tmp`midtmhf dfl lmvmsmhf hn nrditmhf th lcimbd`, nrditmhf th
bmxmfo hn ihfirctc. \gcy gdvc th jfhw pdrtfcrs mf d eusmfcss. _c dllcl tgc nrditmhfs drc d`sh uscl mf eusmfcss. pcricft, lcimbd` th nrditmhf hr
wgdt pdrt sghu`l ec tgc ordvc`, wgdt pdrt sgdrcs hn tgc pdrtfcrs th oct hfc Nhr pdrfcrsgmps, tgc nrditmhfd` pcricft th nrditmhf.
sghu`l ec tgc sdfl dfl wgdt pdrt sghu`l wgh`c rcprcscftmfo tgc cftmrc prhnmt hr sgdrc hn d pdrtfcr ms bu`tmp`mcl ey Nhr cxdbp`c, mn tgc fct prhnmt hn d

ec tgc icbcft
wmtgstdfl. th cfsurc
[crgdps, tgdthndicbcft
4 edo ncfic wm``
wm`` `hss hn tgc pdrtfcrsgmp (4/< +9/< 2 4). tgc prhnmt dfl
diihuftmfo `hss cdrfcl
pcrmhl nhr dfgms
th lctcrbmfc pdrtfcrsgmp
ds d pdrtfcr,mssgdrc
[<;,;;;
53%dfl yhu,
mf sdml
fccl 3 euijcts hn sdfl, 9 euijcts hn hr gcr sgdrc mf tgc prhnmts dfl prhnmt, mt whu`l ec cdsmcr th
ordvc` dfl 9 euijcts hn wdtcr. `hsscs1 4/7 th Lcxtcr, ° th igdfoc tgc 53% th d nrditmhf
Cludrlh, dfl 3/7 th Ncrfdflh. ecidusc 53% ms ° dfl ° hn
\gcrcnhrc, mn wc tdjc tgc ihbemfdtmhf hn [<;,;;; ms [4;,;;;.
sdfl, ordvc` dfl wdtcr ds hfc, wc idf \h nmfl tgc sgdrc hn cdig hn tgc
sdy tgdt XXX ms sdfl, XXX ms ordvc` dfl pdrtfcrs mf d fct prhnmt hn [5< 3;;1
 XXXms wdtcr. Lcxtcr”s sgdrc 2 4/7 x 5<,3;; 2
 XXXXXX
Dfswcr1 3/44 sdfl, 9/44 ms ordvc`, 9/44 ms Cludrlh”s sgdrc 2 ° x 5<,3;; 2
wdtcr   XXXXX
Lmvmsmhf hn [dbpdfod
5
 

Ncrfdflh”s sgdrc 2 3/7 x 5<,3;; 2

 XXXXX

Dfswcrs1 Lcxtcr 2 9,;>5.3;,
Cludrlh 2 >,453 dfl Ncrfdflh 2
43,945.3;
L. Lmsius
Lmsiussmf
smfoo fcw ihficp
ihficptsts dfl _gdt ms nrditmhf8 Uu`cs mf Dllmtmhf dfl Yuetrditmhf hn Uu`cs mf Bu`tmp`midtmhf dfl Lmvmsmhf Ihfvcrtmfo Nrditmhf th cimbd`
prditmimfo fcw sjm``s #4 Oumlc Tucstmhf/s1 Nrditmhf1 hn Nrditmhf1 \gc `mfc scpdrdtmfo tgc fubcrdthr 
  Nrhb tgc dehvc cxdbp`c, wc idf dfl tgc lcfhbmfdthr hn d nrditmhf
lcnmfc nrditmhf ds wgdt8 4. Ym
Ymbm
bm`d
`drr NNrd
rdit
itmhmhfs
fs mflmidtcs lmvmsmhf. \gc
5. Lm
Lmss
ssmb
mbm`m`dr
dr Nrditm
Nrditmhf hfss lcfhbmfdthr ms tgc lmvmshr dfl tgc
Dfswcr1 D nrditmhf rcprcscfts d pdrt hn d 9. Bm
Bmxc
xcll Nr
Nrdi
ditmtmhf
hfss fubcrdthr ms tgc lmvmlcfl. \h
wgh`c. rcluic nrdirmhfs mfth lcimbd`,
smbp`y pcrnhrb lmvmsmhf.
Cxdbp`c1 9 ÿ < 2 .?3

Ihfvcrtmfo Nrditmhf th [ [cricft

cricft
\h ihfvcrt nrditmhfs th pcricft,
igdfoc tgc nrditmhf mfth lcimbd`
dfl bhvc tgc lcimbd` phmft twh
p`dics th tgc rmogt, tgcf dnnmx tgc
pcricft sybeh`.
Cxdbp`c1 ² 2 4 ÿ 5 2 3;%

Ihfvcrt cimbd` th Nrditmhf

\h igdfoc lcimbd` th nrditmhf ,
ihfvcrt d lcimbd` th d nrditmhf
wmtg d lcfhbmfdthr mf bu`tmp`cs hn
4; dfl rcluic tgc sdml nrditmhf th
`hwcst tcrbs.
Cxdbp`c ;.?3 2 ?3/4;; 2 ¶

C. Lmsius
Lmsiussmf
smfoo fcw ihfic
ihficpts
pts dfl
dfl Nrditmhf dfl mts jmfls
prditmimfo fcw sjm``s #5
4. _gdt drc tgc lmnncrcft jmfls hn
nrditmhfs8
5. Lmnncrcftmdtc prhpcr dfl mbprhpcr
nditmhf.. Imtc cxdbp`cs
<. _gdt ms d bmxcl nrditmhf8

N. Lcv
Lcvc`h
c`hpmf
pmfoo bdstcry
bdstcry (`cd
(`cdls
ls th Ditmvmty SbDU\C \dyh! Ditmvmty Ditmvmty
Nhrbdtmvc Dsscssbcft 9) Lmrcitmhfs1 Mlcftmny wgctgcr tgc nh``hwmfo Lmrcitmhfs1 Lmrcitmhfs1 Mf scftcfic nhrb, Lmrcitmhfs1 Lmnncftmdtc tgc ru`cs mf

Lmvmsmhf hn [dbpdfod
9
 

nrditmhfs drc prhpcr ([), mbprhpcr (M), dfl M. \gc `cdrfcrs wm`` ec cxp`dmf tgc ru`cs mf bu`tmp`ymfo dfl igdfomfo nrditmhf th lcimbd` dfl
bmxcl nrditmhf (B). lmvmlcl mfth nmvc. lmvmlmfo nrditmhfs. pcricft dfl vmic vcrsd.
4. ° MM. Cdig orhup bust
5. 9/> prcpdrc d rh`c p`dy,
9. 4 4/9 mfihrphrdtmfo tgc ru`cs
<. 3/7 hn dllmtmhf dfl
3. 44/> suetrditmhf hn nrditmhf.
>. 3 ¶
?. 7°
7. 44/45
=. 5/9
4 ;.
;. 7 4 /<
/<

Dfswcrs1
[, [, B, [, M, B, B, [, [,B
O. Nmflmfo
fo prditmid
prditmid`` dpp`midt
dpp`midtmhfs
mhfs hn @ct”s sgdrc mlcds1 @ct”s sh`vc tgms1 [rhe`cb Yh`vmfo1 Yh`vc tgc [rditmic yhur sjm``s.
ihficpts dfl sjm``s mf ldm`y `mvmfo 4.\gcrc drc twh cbp`hyccs mf d nh``hwmfo wmtg ihbp`ctc sh`utmhf.
  _rmtc d `mst hn tgmfos dt ghbc tgdt gdrlwdrc, Udbhf dfl Udu`. Udbhf 4. Mn yhu cdrf [47;,;;; d ycdr. Mn 4. ]hur bhtgcr fccls =3
drc scpdrdtcl mfth nrditmhfs. Ihbpdrc whrjcl mf tgc gdrlwdrc sthrc nhr ? ² yhu spcfl 4/3 nhr nhhl, 4/7 nhr rcft, jm`hordbs hn phtdthcs. Ygc euys
yhur `mst wmtg yhur i`dssbdtcs. ghurs wgm`c Udu` whrjcl 7 ¶ ghurs. 4/4; nhr i`htgmfo dfl 4/5; nhr 45 edos hn phtdthcs, wgmig
Ghw bdfy thtd` ghurs lml tgc twh rcircdtmhf. mfi`ulc tgrcc 3-jm`hordb edos.
whrj8 Cxprcss yhur dfswcr ds df d. Ghw buig lh yhu spcfl nhr \gc rcst drc 4;-jm`hordb edos.
mbprhpcr nrditmhf. cdig8 Ghw bdfy 4;-jm`hordb edos drc
e. Ghw buig ms yhur thtd` tgcrc8 _gdt pdrt hn tgc thtd` edos
Dfswcr1 cxpcfscs8 ms tgc 3-jm`hordb edos8 \gc 4;-
? ² + 7 ¶ 2 9;/< + 93/< 2 >3/< i. Ghw buig lh yhu sdvc8 jm`hordb edos8 Cxprcss tgcb mf
l. _gdt nrditmhfd` pdrt hn yhur lcimbd`.
cdrfmfos ms yhur scrvmfo8

G. Bdj
Bdjmfo
mfo ocfcrd
ocfcrd`mz
`mzdtm
dtmhfs
h fs dfl @ct tgc `cdrfcrs bdjc d subbdry hn @ct tgc `cdrfcrs rc-cbpgdsmzc dfl rc- @ct tgc `cdrfcrs subbdrmzc thldy”s @ct tgc `cdrfcrs subbdrmzc
destrditmhfs dehut tgc `csshf thldy”s thpmi ey ihbp`ctmfo tgc stdtcbcft lmsiuss tgc ru`cs hn dllmfo dfl `csshf ey dsjmfo tgc ru`cs mf thldy”s `csshf ey dfswcrmfo tgc
ec`hw1 suetrditmfo nrditmhfs ey dfswcrmfo tgc bu`tmp`midtmhf dfl lmvmsmhf tgrhuog nh``hwmfo qucstmhfs1
qucstmhf ds nh``hws1 rcimtdtmhf. 4. Ghw
Ghw drc
drc nrdi
nrditmtmhf
hfss dfl
dfl
M fdbc nrditmhf ey 4. _rmtc mf scftcfic nhrb ghw yhu dll Oumlc Tucstmhf/s1 lcimbd`s tgc sdbc8
 XXXXXXXXXXXXXXXXXXXXX. dfl suetrdit twh nrditmhfs. _gdt 4. _g _gdtdt drc
drc tgc
tgc ru`
ru`cs
cs mf Ghw tgcy drc lmnncrcft8
M lmnncrcftmdtc nrditmhfs pdttcrf lh yhur scc mf tgc bu`tmpymfo nrditmhfs8 5. _gcf
_gcf tgc llcfcfhb hbmfmfdth
dthrs
rs
eyXXXXXXXXXXXXXXX. lcfhbmfdthrs8 Mf tgc fubcrdthrs8 5. Ypci
Ypcimnmnyy tgc
tgc ru`c
ru`css mf hn twh nrditmhfs drc tgc
lmvmsmhf hn nrditmhf. sdbc, ghw lh yhu
lctcrbmfc wgmig
nrditmhf ms orcdtcr8
9. _gcf
_gcf tgtgcc fubc
fubcrd rdth
thrs
rs hhn 
n 
twh nrditmhfs drc tgc
sdbc, ghw lh yhu

Lmvmsmhf hn [dbpdfod
<
 

lctcrbmfc wgmig
nrditmhf ms sbd``cr8
M. Cv
Cvd`
d`ud
udtmtmfo
fo `cdr
`cdrfm
fmfo
fo \ruc hr Nd`sc [crnhrb tgc mflmidtcl hpcrdtmhfs1 [rditmic yhur sjm``s1 I`dssrhhb cxcrimsc
Lmrcitmhfs1 _rmtc \ruc mn tgc stdtcbcft ms 4 . > /4
/4 + 5/
5/ 4;
4; 2 4. \gc dorccl
dorccl idpmtd
idpmtd`mz
`mzdtm
dtmhf
hf  D. Igdfoc tgc nh``hwmfo
ihrrcit: mn nd`sc, ihrrcit tgc stdtcbcft. 5 . 4 ¶ + 7 3 /> /> 2 hn tgc pdrtfcrsgmp hn nrditmhfs th lcimbd`.
4. D wgh wgh`c
`c ms
ms d`wdy
d`wdyss emooc
emoocrr tgd
tgdff 9 . ? =/
=/ 4;
4; + 9 ° 2 Odermc``c, Ghfcsth dfl 4. </=
mts pdrts < . 7 ; ° - 4 < 3 />/> 2 M`ustrc wds 4;;,;;;. \gcy 5. 44/45
5. D nrd nrditm
itmhf
hf mmss d`w
d`wdys
dys cqud
cqud`` th d 3 . 5 < 5 /9
/9 ’ 4 ? 2 dorccl tgdt Odermc``c wm`` E. Igd
Igdfoc
foc tgc nh`
nh``hw
`hwmfo
mfo
nrditmhf hn dfhtgcr shbctgmfo. ihftrmeutc ² hn tgc lcimbd`s th nrditmhf
idpmtd`: Ghfcsth, 4/7: dfl 9. ;.?
M`ustrc tgc rcbdmflcr. <. ;.93
_gdt w`m`` ec tgc idpmtd` I. Igd
Igdfoc
foc tgc nh`
nh``hw
`hwmfo
mfo
ihftrmeutmhf hn cdig nrditmhfs th pcricft.
pdrtfcr8 3. > 4/9
5. D trdit
trdit hn `ddfl
fl ihftdm
ihftdmfmf
fmfoo >. 4/9
>5 ² dircs wds lmvmlcl  
mfth sbd``cr `hts hn 4 °
dircs cdig. Mfth ghw
bdfy sbd``cr `hts wds
tgc trdit hn `dfl lmvmlcl8
A. Dllmtm
Dllmtmhfd
hfd`` ditmvmtmcs
t mcs nhr dpp
dpp`mi
`midtmhf Bdjc df dlvdfic rcdlmfo dehut tgc
dtmhf
hr rcbclmdtmhf nufldbcftd` hpcrdtmhfs hn nrditmhfs.
Ucncrcfic1 Eusmfcss Bdtgcbdtmis
Fhrbd L. @hpcz-Bdrmdfh, pp. 7- 
4= 
^. UCBDUJY

^M. UCN@CI\MHF

 D. Fh. hn `cdrfcrs wgh cdrfcl 7;% mf

tgc cvd`udtmhf
E. Fh. hhnn `cdrfc
`cdrfcrs
rs wgh
wgh rcqumr
rcqumrcc
dllmtmhfd` ditmvmtmcs nhr rcbclmdtmhf
I. Lml tgc rcbclmd` d` `ccsshfs
sshfs wh
whrj8
rj8
Fh. hn `cdrfcrs wgh gdvc iduogt
up wmtg tgc `csshf
L. Fh. hhnn `cdrfcrs
`cdrfcrs wgh ihftmf
ihftmfuc
uc th
rcqumrc rcbclmdtmhf
C. _gmig
_gmig hn by tcdig
tcdigmfomfo strdt
strdtcom
comcs
cs
whrjcl wc``8 _gy lml tgcsc whrj8
Lmvmsmhf hn [dbpdfod
3
 

N. _gdt lmnnnmnmiiu`tmc
u`tmcss lml M cfihuftc
cfihuftcrr
wgmig by prmfimpd` hr supcrvmshr
idf gc`p bc sh`vc8
O. _gdt mffhvdtmhf
mffhvdtmhf hr `hid`mmzcl zcl
bdtcrmd`s lml M usc/lmsihvcr wgmig
M wmsg th sgdrc wmtg htgcr
tcdigcrs8

Ordlcs 4 th 45 Yighh` Ordlc @cvc` 44

LDM@] @CYYHF @HO \cdigcr @cdrfmfo Drcd Eusmfcss Bdtg
\cdigmfo Ldtcs dfl \mbc Au`y ;9-;?, 5;4? Tudrtcr  Nmrst Tudrtcr 

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs fcicssdry prhiclurcs bust ec
M. HEACI\M^CY  nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs, dfl rcbclmd` ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl
ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl
ihbpctcfimcs dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl mf tgc iurrmiu`ub
oumlcs.

L. Ih
Ihft
ftcf
cftt Ytd
Ytdfl
fldr
drls
ls \gc
\gc `cd
`cdrf
rfcr
crs
sllcb
cbhf
hfst
strd
rdtc
tc df uflc
uflcrs
rstd
tdfl
flmf
mfo
ohhnn nnrd
rdit
itmh
mhfs
fs,, l
lci
cimb
mbd`
d`s
sddfl
fl pcri
pcricf
cftd
tdoc
oc

\gc `cdrfcrs drc de`c th1

C. [crnhr
[crnhrbdf
bdfic
ic Ytdfldr
Ytdfldrls
ls 4. [crnhrb hpcrdtmhfs1 dllmtmhf, suetrditmhf, bu`tmp`midtmhf
bu`tmp`midtmhf dfl lmvmsmhf diiurdtc`y
5. Yh`vc prhe`
prhe`cbs
cbs mfvh`vmfo nrditmhfs, l
lcimbd`s
cimbd`s dfl pcricft rc`d
rc`dtcl
tcl th eusmfcss

Lmvmsmhf hn [dbpdfod
>
 

N. @cd
@cdrfm
rfmfo
fo Ihbp
Ihbpctc
ctcfim
fimcs/
cs/
Heacitmvcs M``ustrdtc ghw lcimbd`s dfl nrditmhfs idf ec wrmttcf mf tcrbs hn pcricft.
_rmtc tgc @I ihlc nhr cdig DEBXEB44NH-Me-9

Nufldbcftd` Hpcrdtmhfs hf1

MM. IHF\CF\ 

Nrditmhfs, Lcimbd`s dfl [cricftdoc

MMM. @CDUFMFO UCYHSUICY 

I. Ucnc
Ucncrc
rcfi
fics
cs
5. \cdig
\cdigcr”s
cr”s Oumlc
Oumlc pdo
pdocs
cs
5. @cdrfcr”s Bdtcrmd`s pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric (@U) phrtd`
L. Ht
Htgc
gcrr @cdr
@cdrfm
fmfo
fo Uc
Ucsh
shur
uric
ics
s [rc-
[rc-D`
D`oc
ocer
erd
d ([
([rc
rcft
ftmi
mic
c Gd
Gd``
`` [rc-D`ocerd ([rcftmic Gd`` [rc-D`ocerd ([rcftmic Gd`` [rc-D`ocerd ([rcftmic Gd``
Bdtgcbdtmis): Fcw Bdtgcbdtmis Bdtgcbdtmis): Fcw Bdtgcbdtmis): Fcw Bdtgcbdtmis): Fcw
Ihufts (Bdrsgd`` Idvcflmsg Bdtgcbdtmis Ihufts (Bdrsgd`` Bdtgcbdtmis Ihufts (Bdrsgd`` Bdtgcbdtmis Ihufts (Bdrsgd``
Cluidtmhf): mftcrfct diicss: Idvcflmsg Cluidtmhf): mftcrfct Idvcflmsg Cluidtmhf): mftcrfct Idvcflmsg Cluidtmhf): mftcrfct
Eusmfcss Bdtgcbdtmis ey diicss: Eusmfcss Bdtgcbdtmis diicss: Eusmfcss Bdtgcbdtmis diicss: Eusmfcss Bdtgcbdtmis
Bdrmdfh, Fhrbd @. 73-7? ey Bdrmdfh, Fhrbd @. 73-7? ey Bdrmdfh, Fhrbd @. 73-7? ey Bdrmdfh, Fhrbd @. 73-7?

M^. [UHICLSUCY  Lmsiussmhf hn tgc tgchrmcs hn tgc `csshf, prhvmlmfo cxdbp`cs dfl rcd` `mnc dpp`midtmhfs.

J. Ucvmc
Ucvmcwmfo
wmfo prcvmhus
prcvmhus ``csshf
csshf hr Ucvmcw tgc stulcfts hn tgc
Ucvmcw tgc stulcfts hn tgc Ucvmcw tgc stulcfts hn tgc
prcscftmfo tgc fcw `csshf Ucvmcw tgc stulcfts hn tgc prcvmhus `csshf
prcvmhus `csshf prcvmhus `csshf
prcvmhus `csshf Ihfvcrtmfo nrditmhf th
Ihfvcrtmfo lcimbd` th nrditmhf Ihfvcrtmfo lcimbd` th nrditmhf
Ihfvcrtmfo nrditmhf th pcricft lcimbd`
Cxdbp`c ;.?3 2 ¶, ;.9?3 2 9/7, Cxdbp`c ;.?3 2 ¶, ;.9?3 2 9/7,
;.;57> 2 4<9/3;;; Cxdbp`c 5/3 2 <;%, 4/3 2 5;% ;.;57> 2 4<9/3;;; Cxdbp`c 9;% 2 ;.9;, ?3% 2
;.?3
@. Cstd
Cstde`msg
e`msgmfo
mfo d purphsc
purphsc nhr tgc Cbpgdsmzc tgc drcd hn eusmfcss Cbpgdsmzc tgc drcd hn
Cbpgdsmzc tgc drcd hn eusmfcss Cbpgdsmzc tgc drcd hn eusmfcss
`csshf wgcrc jcy ihficpts hn lcimbd` eusmfcss wgcrc jcy ihficpts
wgcrc jcy ihficpts
ihficpts hn nrditmhf wgcrc jcy ihficpts hn lcimbd`
nrditmhf dfl pcricftdoc drc hn lcimbd` nrditmhf dfl
dfl pcricftdoc drc fcclcl dfl pcricftdoc drc fcclcl
fcclcl pcricftdoc drc fcclcl
B. [rcsc
[rcscftmf
ftmfo
o cxdbp`cs/mfstd
cxdbp`cs/mfstdfics
fics Ihfvcrtmfo nrditmhf th pcricft Ihfvcrtmfo pcricft th nrditmhf Ihfvcrtmfo lcimbd` th pcricft Ihfvcrtmfo pcricft th
hn tgc fcw `csshf Cxdbp`cs1 Cxdbp`cs14) Cxdbp`cs1 4. ;.?3 2 ?3% lcimbd`
9/< 2 ?3% 53 5. 4.53 2 453% Cxdbp`c1 4. <3% 2 .<3
4 4/< 2 453%   53 % 2
5. 9% 2 ;.;9
4;;

Lmvmsmhf hn [dbpdfod
?
 

77
  7% 2  
4;;
9
9 %2
4;;
F. Lmsiu
Lmsiussmfo
ssmfo fcw ihficpts
ihficpts dfl Lmsius prhpcr `csshf Lmsiuss ghw th ihfvcrt pcricft Lmsiuss ghw th ihfvcrt lcimbd` Lmsiuss ghw th ihfvcrt
prditmimfo fcw sjm``s #4  D pcricft bcdfs
bcdfs ‗pcr guflrcl‒ ms th nrditmhf th pcricft pcricft th lcimbd`
d rcprcscftdtmhf hn nrditmhf wghsc Uu`c1 ihfvcrt nmrst tgc pcricft th Uu`c1 Bu`tmp`y tgc lcimbd` ey Uu`c1 Lmvmlc tgc pcricft ey
lcfhbmfdthr ms 4;;. \gus, lcimbd` ey bhvmfo lcimbd` phmft 4;;% tgms ms cqumvd`cft th 4;;% tgms ms cqumvd`cft th
cxprcssmfo d fubecr mf pcricft ms twh p`dics th tgc rmogt, tgcf bhvmfo tgc lcimbd` phmft twh bhvmfo tgc lcimbd` phmft twh
`mjc ihbpdrmfo mt wmtg 4;;. ihfvcrt tgc lcimbd` th pcricft ey p`dics th tgc rmogt dfl p`dics th tgc `cnt dfl
ghw th ihfvcrt nrditmhf th pcricft dpp`ymfo L4. dppcflmfo tgc % smof. lrhppmfo hnn tgc % smof.
Uu`c1 ihfvcrt nmrst tgc nrditmhf th Cxdbp`cs 4) 3;% 2 ² Cxdbp`cs1 4) ;.93 2 93% Cxdbp`c1 4)?3% 2 .?3
lcimbd` ey dpp`ymfo I4, tgcf   5) 3?% 2 3?/4;;   5) ;.4?3 2 4?.3%   5)4.<>7% 2 .;4<>7
ihfvcrt tgc lcimbd` th pcricft ey   9) 57=% 2 5 7=/4;;   9) 4.5 2 45;%   9)59=% 2 5.9=
dpp`ymfo L4.
Cxdbp`cs1 4) ² 2 ;.3 2 3;%
  5) ?/3; 2 ;.4< 2 4<%
  9) 9>/3 2 ?.5 2 ?5;%
H. Lmsiu
Lmsiussmfo
ssmfo fcw ihficpts
ihficpts dfl
dfl
prditmimfo fcw sjm``s #5
[. Lcvc`
Lcvc`hpmfo
hpmfo bdstc
bdstcryry (`cdls
(`cdls th  Dsj tgc stulcfts ghw drc  Dsj tgc stulcfts ghwghw drc
Nhrbdtmvc Dsscssbcft 9) nrditmhfs dfl pcricftdoc tgc lcimbd` dfl pcricftdoc tgc
sdbc8 Ghw drc tgcy lmnncrcft8 sdbc8 Ghw drc tgcy lmnncrcft8
T. Nmflm
Nmflmfo
fo prditmid`
prditmid` dpp`midt
dpp`midtmhfs
mhfs hn Cxdbp`c 41 Audf lrhvc gms idr th tgc ods Mn tgc h`l prmic hn d prhluit ms
ihficpts dfl sjm``s mf ldm`y Cxdbp`c 41 Ihfvcrtmfo lcimbd` th pcricft stdtmhf nhr rcnuc``mfo. Mn tgc prmic [G[4;; dfl tgc fcw prmic ms
`mvmfo Ihfvcrtmfo pcricft th nrditmhf 4. ;.45 hn tgc odsh`mfc ms [G[3;;, wgdt ms tgc
4. (453%) 2 5. ;.59 [G[97.94 pcr `mtcr dfl gc pdml pcricftdoc mfircdsc mf tgc
5. (3;%) 2 9. 3.7= [G[4;;; nhr ods purigdsc, ghw prmic8
9. (;.9?3%) 2 4 . ; .4
.4 5 2 4
45
5% bdfy `mtcrs hn odsh`mfc wcrc
4. 453%
453% 2 4.
4.53
53 2 453/
453/4;;
4;; 2 5 . ; .5
.5 9 2 5
59
9% pubpcl mfth gms idr8
idr8 Uhufl hnn  Yh`utmhf11 \gc nhrbu`d ms
Yh`utmhf
∕
3/< 24 ° 9. 3.
3.7=
7= 2 37=%
37=% dfswcr th tgc fcdrcst fcw prmic h`l prmic    4;;
5. 3;% 2 ;.3;
;.3; 2 3;/4;;
3;/4;; 2 ² tghusdfltgs (hr tgrcc lcimbd` h`l prmic
9. ;.
;.9?
9?3%
3% 2 .;
.;;9
;9?3?3 2 p`dics).
2 % mfircdsc.
9?3/4;;;;; 2 Yh`utmhf11 4;;; ÿ 97.94 2
Yh`utmhf
  Ymfic
?3/5;;;;29/7; 5>.4;9 `mtcrs hn odsh`mfc
3;;∕4;;
  2 <, tgcf tgc
4;;
mfircdsc ms <;;%
U. Bdjmf
Bdjmfoo ocfcrd`
ocfcrd`mzdtm
mzdtmhfs
hfs dfl
dfl rc lmsiuss tgc ihficpts mf rc lmsiuss tgc ihficpts mf rc lmsiuss tgc ihficpts mf rc lmsiuss tgc ihficpts mf
destrditmhfs dehut tgc `csshf ihfvcrsmhf hn nrditmhf mfth ihfvcrsmhf hn lcimbd` mft
mfth
h ihfvcrsmhf hn lcimbd` mft
mfth
h ihfvcrsmhf hn lcimbd` mft
mfth
h
pcricftdoc pcricftdoc pcricftdoc pcricftdoc

Lmvmsmhf hn [dbpdfod
7
 

Y. Cvd`udtmfo `c
`cdrfmfo Lrm`` eh
ehdrl tth
h sh
sh`vc tg
tgc pr
prhe`cbs Yct whrj prhe`cb sh`vmfo Ordlcl rcimtdtmhf Tumz sh`vmfo whrl prhe`cbs
mfvh`vmfo nrditmhfs dfl pcricft ihfvcrtmfo pcricftdoc th nrditmhf Bdrmd wds dsjcl th oh th tgc
4. ² 4. >;% 4
5. 4 ¶ 5. 53;% bdrjct th euy 5
bdrjct   jm`hs hn 
5
9. </3 9. 7=%
4
<. 5/9/3 <. 4=4% phrj,   jm`h
jm`h hn odr`m
odr`mi,
i, dfl
3. ?/4; 3. 59% <
 Dfswcr   Dfswcr  > p
pmcics
mcics hn sded. Hfc jm`h
4. ² 2 3;% 4. > ;%
;% 2 9 /3
/3 hn phrj ihsts [G[543, 4 jm`h
5. 4 ¶2 4 4?
?3% 5. 5 3;
3;% 2 5 ² hn odr`mi ihsts [G[4;3, dfl
9. </3 2 7;% 9. 7=%
7=% 2 7=/4
7=/4;;
;; hf
hfcc pmci
pmcicc hn sded
sded ihst
ihstss
<. 5 9/
9/3
3 2 5>;%
5>;% <. 4=
4=4%
4% 2 4 =4
=4/4
/4;;
;; [G[5.9;.
3. ?/4 ; 2 ?
?;
;% 3. 59%
59% 2 59/4
59/4;;
;;
Mn Bdrmd ms omvcf [G[?;;, wm``
sgc ec de`c th euy cvcrytgmfo
sgc wds dsjcl th euy8 Mn ycs,
ghw buig igdfoc ms `cnt (mn
tgcrc ms dfy)8
Yh`utmhf11 Nhr phrj1 5
Yh`utmhf
4
2 2

5 543
( ) 5.3 543
( ) 39?.3; 
4
Nhr odr`mi1  (4;3) 2
<
;.53(4;3) 2 5>.53
Nhr sded1 >(5.9;) 2 49.7;
39?.3; + 5>.53 + 49.7; 2
3??.33
\. Dllmtmhfd` ditmvmtmcs nhr   \djc ghbc ditmvmtmcs/ dssmofbcft  Dlvdfic rcdlmfo nhrnhr ihfvcrtmfo [clrh fccls th id`` gms  Dlvdfic rcdlmfo nhr
nhr rdtmhs
dpp`midtmhf hr rcbclmdtmhf Ihfvcrt tgc nh``hwmfo thh pcricft lcimbd` th nrditmhf i`dssbdtcs dfl omvc tgcb nmfd` dfl prhphrtmhf
(;.>;), (;.59), (4.=;), (;.99), mfstruitmhfs dehut tgcmr i`dss
(5.<3) prhacit. Gc tgmfjs gc wm`` fccl
 Dfswcr  dehut 5 bmfutcs th td`j th cdig
4. ;.> ; 2 > >;
;% hfc hn tgcb. Mn gms ic``u`dr
5. ;.5 9 2 5 59
9% pghfc gds d iurrcft `hdl whrtg
9. 4.4.=;
=; 2 4=;
4=;%% [G[<53 dfl d id`` whu`l ihst
<. ;.9 9 2 9 99
9% gmb [G[>.43 pcr bmfutc, ghw
3. 5.5.<3
<3 2 55<3
<3%% bdfy hn gms i`dssbdtcs wm`` gc
ec de`c th td`j th8
Yh`utmhf11 5(>.43) 2 45.9;, tgus,
Yh`utmhf
tgc thtd` ihst hn d 5-bmfutc id``
ms [G[45.9;.
  Ymfic <53 ÿ 45.9; ≇ 

Lmvmsmhf hn [dbpdfod
=
 

9<.33, [clrh wm`` ec de`c th td`j

th 9< hn gms i`dssbdtcs.

^. UCBDUJY 

^M. UCN@CI\MHF 

G. Fh. h
hnn `c
`cdrfcrs
drfcrs wgh cdrfcl
cdrfcl

M. 7;%hnmf`cd
Fh. tgcrfcrs
cvd`udtmhf
`cdrfc rs w
wgh
gh rrcqu
cqumrc
mrc
dllmtmhfd` ditmvmtmcs nhr
rcbclmdtmhf
A. Lml ttgc
gc rcb
rcbclm
clmd`
d` `c
`cssh
sshfs
fs whrj8
whrj8
Fh. hn `cdrfcrs wgh gdvc
iduogt up wmtg tgc `csshf
J. Fh. hhnn `cd
`cdrfcrs
rfcrs wgh ihftmf
ihftmfucuc th
rcqumrc rcbclmdtmhf
@. _gmig hn by by tc
tcdigmf
digmfoo st
strdtc
rdtcomcs
omcs
whrjcl wc``8 _gy lml tgcsc
whrj8
B. _gdt lm
lmnnmiu
nnmiu`tmc
`tmcs
s lml M cfihuf
cfihuftcr
tcr
wgmig by prmfimpd` hr supcrvmshr 
idf gc`p bc sh`vc8
F. _gdt mffhvdtmh
mffhvdtmhf f hr `hid`
`hid`mzcl
mzcl
bdtcrmd`s lml M usc/lmsihvcr
wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

Ordlcs 4 th 45 Yighh` Ordlc @cvc` 44

LDM@] @CYYHF @HO Ycssmh\fcd4igcr Ycssmhf 5 @cdrfmfo Drcd YcEusmfcss
ssmhf 9 Bdtg Ycssmhf <
Heacitmvcs bust ec bct
\cdigmfo Ldtcs dfl \mbchvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs fcicssdry prhiclurcs bust
Tudrtcr Nmrst Tudrtcr ec nh``hwcl dfl mn fcclcl,
M. HEACI\M^CY
dllmtmhfd` `csshfs,
 Dsscssbcft cxcrimscs,
strdtcomcs. dfl
^d`umfo rcbclmd`supphrt
heacitmvcs ditmvmtmcstgc
bdy ec lhfc
`cdrfmfo nhrftcft
lcvc`hpmfo
hn ihftcft
ih ihftcft jfhw`cloc
dfl ihbpctcfimcs dfl igm`lrcf
dfl cfde`c ihbpctcfimcs. \gcsc drccdsscsscl
th nmfl smofmnmidfi
smofmnmidfic dfl ahy mfusmfo Nhrbdtmvc
`cdrfmfo tgc `csshfs.
_ccj`y heacitmvcs sgd`` ec lcrmvcl mf tgc iurrmiu`ub oumlcs.

O. Ihf
Ihftcf
tcftt Ytdfldr
Ytdfldrls
ls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn nrditmhfs, lcimbd`s, dfl pcricft.

\gc `cdrfcrs drc de`c th1

G. [crnhr
[crnhrbdfi
bdficc Ytdfld
Ytdfldrls
rls 4. [crnhr
[crnhrb
b hpcrdtmhfs1
hpcrdtmhfs1 dllmtmh
dllmtmhf,
f, suetrdi
suetrditmhf,
tmhf, bu`tmp`mi
bu`tmp`midtmhf
dtmhf dfl lmvmsmhf
lmvmsmhf diiurdtc`y
diiurdtc`y
5. Yh`vc prhe
prhe`cbs
`cbs mfv
mfvh`vmfo
h`vmfo nr
nrditmhf
ditmhfs,
s, lcimbd`s
lcimbd`s dfl pcricf
pcricftt rc`dtcl th eusmfcss
fcss

Lmvmsmhf hn [dbpdfod
4;
 

M. @c
@cdr
drfm
fmfo
fo Ihbp
Ihbpct
ctcf
cfim
imcs
cs//
4. Omvc rcd`- `mnc smtudt
smtudtmhfs
mhfs th m``ustrdtc
m``ustrdtc nrd
nrditmhf
itmhfs,
s, lcimbd`s,
lcimbd`s, dfl pcricftdoc DEBXEB44NH-Mi-< 
pcricftdoc
Heacitmvcs 5. Yh`vc pr
prhe`cbs
he`cbs mffvh`vmfo
vh`vmfo nrdi
nrditmhf,
tmhf, lc
lcimbd`
imbd`s dfl pcr icft DEBXEB44U[-Ml-3
pcricft
_rmtc tgc @I ihlc nhr cdig
Nufldbcftd` Hpcrdtmhfs hf1
MM. IHF\CF\ Nrditmhf
Lcimbd`
[cricftdoc
MMM
MMM.. @CDUFMFO UCYHSUICY
C. Ucnc
Ucncrc
rcfi
fics
cs
9. \cdigc
\cdigcr”s
r”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd`s pdocs
9. \cxtehhj pdocs Eusmfcss Bdtgcbdtmis ey Bdrmdfh, Eusmfc
Eusmfcss
ss Bdt
Bdtgcb
gcbdtm
dtmis
is ey Bdr
Bdrmdf
mdfh,
h, Fhr
Fhrbd,
bd, @. Eusmfc
Eusmfcss
ss Bdt
Bdtgcb
gcbdtm
dtmis
is ey
Fhrbd @. <= - 34 Bdrmdfh, Fhrbd, @.
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric (@U)
phrtd`
N. Htg
Htgcr
cr @@cdr
cdrfmf
fmfoo Uc
Ucshu
shuric
ricss gttps1//www.tgmfjtgrhuogbdtg.ihb/bdtg-
rcd`-`mnc-cxdbp`cs/ gttp1//www.bdtgohhlmcs.ihb/`csshfs/pcri
cft/sd`cXprmic.gtb`

M^. [UHIC SUCY Lmsiussmhf hn tgc tgchrmcs hn tgc `csshf, prhvmlmfo cxdbp`cs dfl rcd` `mnc dpp`midtmhfs.
S. Ucv
Ucvmcw
mcwmfo
mfo prcvmh
prcvmhus
us `cs
`csshf
shf Ucvmcw tgc prcvmhus `csshf Ucvmcw tgc prcvmhus `csshf mfvh`vmfo  Dfswcr tgc prcvmhus scssmhf dssmofbcft.
hr prcscftmfo tgc fcw mfvh`vmfo ihfvcrsmhf hn lcimbd`s Ssc nrditmhf mf ihbputdtmhf hn ihsts.
`csshf dfl nrditmhfs th pcricft dfl vmic Cx. Mn yhu wcrc dsj th euy 4 4/5 jm`hs hn  Dssmofbcft1
vcrsd ey dfswcrmfo tgc nh``hwmfo strdwecrrmcs wgmig ihsts [G[9;; pcr jm`h, 4. . Mf d idfly sthrc, d [G[<3;.;; adr hn idfly
cxcrimscs. ghw buig sghu`l yhu pdy dfl ghw buig ms `dec`cl, "3;% hnn." _gdt ms tgc lmsihuft8
4. 4/5 2 3;% wm`` yhur igdfoc ec mn yhu pdy d 3;; pcsh _gdt ms tgc sd`c prmic hn tgc adr hn idfly8
5. 3/45 2 ;.<4>> 2 <4.>?% em``8  Dfd`ysms1 \gc pgrdsc, "3;% hnn," rcncrs th tgc
9. 4<% 2 ;.4< 2 4</4;; 2 ?/3;  Dfswcr1 \gc prmic [G[<3; dfl tgc rdtc.Yh`utmhf1\gc rdtc ms 3;%.\gc lmsihuft ms1
<. 5. 3;% 2 ;.3; 2 3;/4;; 2 4/5 igdfoc ms [G[3; ;.3; x [G[<3; 2 [G[553. \gc sd`c prmic ms
3. ;.?3 2 ?3% id`iu`dtcl ds nh``hws1
>. ;.?3 2 ?3%
?. ;.;;>3 2 .>3%
7. <3% 2 .<3 [G[<
[G[<3;
3; hrmo
hrmomf
mfd`
d` prmi
prmicc
=. 9% 2 ;.;9

Lmvmsmhf hn [dbpdfod
44
 

-  553 - lmsihuft

  5 53
53 s d`
d` c p rmrmi c

 Dfswcr1 \gc lmsihuft ms [G[553 dfl tgc sd`c

prmic ms [G[553.
5. Ghw buig wm`` yhur bhfcy cdrf mn yhu wm``
mfvcst [G[3;;,;;; mf tgc edfj wmtg 3%
mftcrcst pcr ycdr8
 Dfswcr1 \gc mftcrcst ms [G[3;;,;;; x .;32
[G[53,;;; pcr ycdr.

^. Cstde`
Cstde`msg
msgmfo
mfo d pu
purph
rphsc
sc nhr
nhr  Diihrlmfo th tgc Hxnhrl M``ustrdtcl  Ssc hn pcricftdoc mf ihbputmfo tgc ihst.  Ditmvmty1 Mn tgc prmic ms
tgc `csshf  Dbcrmidf Lmitmhfdry, d`mquht bcdfs ds [rhiclurc1 rmogt1
pdrt hr phrtmhf hn d wgh`c. Mt bcdfs jfhwf 4. \gc rrdtc
dtc ms usud``
usud``y omvcf
omvcf ddss d Yghw tgc stulcfts
nrditmhf hn d wgh`c. \gc nh``hwmfo drc pcricft. lmnncrcft mtcbs dfl tgcy
d`mquht pdrts dfl drc vcry uscnu` nhr 5. \h nmnmfl
fl tgc lmsi
lmsihuf
huft,t, bu`ttmp`y
mp`y tgc wm`` oucss tgc prmics hn
eusmfcss dpp`midtmhf, dfl eusmfcss rdtc ey tgc hrmomfd` prmic. mtcbs.
stulcfts dfl prditmtmhfcrs sghu`l 9. \h nmffll tg
tgcc sd`c
sd`c prmic,
i c, suetr
suetrdit
dit Cxdbp`c1 @cfhvh `dpthp
uflcrstdfl tgms. tgc lmsihuft nrhb hrmomfd` prmic.
_. [r
[rcs
cscf
cftmtmfo
fo 4. 4/5 2 ;.3 Fhw tgdt wc gdvc d prhiclurc, wc idf
cxdbp`cs/mfstdfics hn tgc 5. 4/92 ;.999 sh`vc tgc prhe`cb dehvc.
fcw `csshf 9. 5/9 2 ;.>>? [rhe` Mf d vmlch sthrc, d L^L tgdt
<. 4/3 2 ;.5
3. 5/3 2 ;.< cb1 sc``s
"5;%nhr [G[93;
hnn". _gdt msmstgc
bdrjcl,
lmsihuft8 _gdt ms tgc sd`c
prmic hn tgc L^L8
Yh`utm \gc rdtc ms 5;%.
hf1

Lmvmsmhf hn [dbpdfod
45
 

\gc lmsihuft ms1 ;.5; x

[G[93;.;; 2 [G[?;

\gc sd`c prmic ms id`iu`dtcl ds

nh``hws1

hrmomfd`
[G[93;
prmic

-  ?; - lmsihuft

    sd`c
[G[57; prmic

 Dfsw \gc lmsihuft ms [G[?; dfl tgc

cr1 sd`c prmic ms [G[57;.

W. Lmsius
Lmsiussmf
smfoo fcw ihf
ihficp
icpts
ts Ssc nrditmhf mf ihbputdtmhf hn ihsts1 Ssc tgc pcricftdoc lmsihufts tgdt usud``y
dfl prditmimfo fcw sjm``s #4 scc dt tgc bd``s lurmfo 'sd`c scdshf' dfl
Cx. Mn yhu wcrc dsj th euy 4 4/5 jm`hs hn lmsiuss wgmig gds ecttcr hnncrs.
phrj wgmig ihsts [G[4=3 pcr jm`h, ghw

Lmvmsmhf hn [dbpdfod
49
 

Cx. Yd`cs lmsihufts `mjc tghsc tgcy scc mf

buig sghu`l yhu pdy dfl ghw buig wm``
tgc bd``, `mjc mn d sgmrt”s hrmomfd` prmic ms
yhur igdfoc ec mn yhu pdy d 4;;; pcsh
[[3;; dfl tgcrc”s d 4;% lmsihuft, ghw
em``8)
buig ms tgc lmsihuftcl prmic8
 Dfswcr1 \gc prmic [G[5=5.3; dfl tgc
 Dfswcr1 Lmsihuft ms [G[ 3; dfl tgc
igdfoc ms [G[ ?;?.3;
lmsihuftcl prmic ms [G[ <3;
]. Lmsius
Lmsiussmf
smfoo fcw ihf
ihficp
icpts
ts Ssc pcricftdoc mf ihbputmfo edfj mftcrcst
dfl prditmimfo fcw sjm``s #5 (bdjc tgcb dwdrc ghw buig tgcy cdrf
 Dsj tgc stulcfts
scdshfmfos uscl tgc bcdsurcbcfts
nhr ihhjmfo hn
dfl `ct tgcb nrhb tgcmr edfj sdvmfos diihuft)
smbp`c/ihbphufl mftcrcst rdtcs
mlcftmny wgmig scdshfmfo gds tgc orcdtcst
Cx. Ghw buig wm`` yhur bhfcy cdrf mn yhu
dfl `hwcst dbhuft.
wm`` mfvcst [G[4 Bm``mhf mf tgc edfj wmtg 7%
Cxdbp`c1 4/5 tde`csphhf hn sd`t, 4/<
mftcrcst pcr ycdr8
tde`csphhf hn pcppcr
 Dfswcr1 \gc mftcrcst ms [G[7;,;;; pcr
ycdr
Q. Lcv
Lcvc`h
c`hpmf
pmfoo bdstcry
bdstcry ((`cd
`cdls
ls [rhvmlc dfhtgcr cxdbp`c hn usc
th Nhrbdtmvc Dsscssbcft pcricftdoc mf ihbputdtmhf hn sd`cs
9) lmsihufts.

Cxdbp`c 41 Mf d lcpdrtbcft sthrc, d

[G[4;;; lrcss ms bdrjcl, "Ydvc 53%."
[rhvmlc dfhtgcr cxdbp`c hn usc nrditmhf mf _gdt ms tgc lmsihuft8 _gdt ms tgc sd`c
ihbputdtmhf hn ihsts. prmic hn tgc lrcss8

 DD. Nmflmfo prditmid`
dpp`midtmhfs hn ihficpts
dfl sjm``s mf ldm`y `mvmfo
Mn yhu wcrc dsj th euy 5 4/5 jm`hs hn eccn  Dfd`ysms1 \gc pgrdsc, "Ydvc 53%," rcncrs
wgmig ihsts [G[5;; pcr jm`h, ghw buig th tgc rdtc.
sghu`l yhu pdy dfl ghw buig wm`` yhur \gc hrmomfd` prmic hn tgc lrcss ms [G[4;;;.
igdfoc ec mn yhu pdy d 4;;; pcsh em``8)  
 Dfswcr1 \gc prmic ms [G[3;; dfl tgc Yh`utmhf1
hf1 \gc rdtc ms 53%.
igdfoc ms [G[3;; \gc lmsihuft ms1 ;.53 x [G[4;;; 2 [53;
\gc sd`c prmic ms id`iu`dtcl ds nh``hws1
[G[4;;; hrmomfd` prmic
- 53; lmsihuft
 [G[?3; sd`c prmic
 Dfswcr1 \gc lmsihuft ms [G[53; dfl tgc
sd`c prmic ms [G[?3;.
_gcf yhu drc euymfo ohhls mf tgc 4. Mf d orh
orhicr
icryy sthr
sthrc,
c, Bd
Bdrmd
rmd ms iighh
ghhsmf
smfoo
orhicry hr mf tgc bdrjct, id`iu`dtmfo prmic ectwccf twh erdfls hn `duflry lctcrocft
pcr jm`h dfl wcmogmfo prhluic drc edsmi tgdt whu`l omvc gcr `csscr ihst. Erdfl D
jfhw`cloc tgdt stulcfts bust jfhw. D`sh _gcf yhu drc euymfo ohhls mf tgc bd``, wmtg fct ihftcft hn 5.5 jo ihsts [G[
dpp`ymfo nrditmhfs mf tgc ihrrcit id`iu`dtmfo prmic wmtg sd`cs lmsihufts drc 4<<.?3 dfl Erdfl E wmtg fct ihftcft hn

Lmvmsmhf hn [dbpdfod
4<

EE. Bdjmfo ocfcrd`mzdt
ocfcrd`mzdtmhfs
mhfs dfl
destrditmhfs dehut tgc
`csshf
II. Cvd`udtmfo
Cvd`udtmfo `cdrfmfo
Lmvmsmhf hn [dbpdfod
gc`pnu` jfhw`cloc tgdt stulcfts bust jfhw =;; ordbs ihsts [G[ >?.7;. _gmig
th lctcrbmfc ghw buig sdvmfos tgcy idf erdfl wm`` Bdrmd usc8
oct.  Dfswcr1 
Ihbpdrc tgcmr ihsts pcr jm`hordb.
Erdfl D ihsts dpprhxmbdtc`y [G[>3.7; 
2 4<<.?3 ÿ5.5 pcr jo.
2 [G[ >3.7; 
Erdfl E ihst dpprhxmbdtc`y [G[?3.99 
2 >?.7; ÿ .= pcr jo.
2 [G[ ?3.99 
bcdsurcbcfts hn tgc mforclmcfts mf
\gcrcnhrc, Bdrmd wm`` ighsc erdfl D.
ihhjmfo dfl edjmfo.
5. D lcp
lcpdrtb
drtbcft
cft st
sthrc
hrc ms oomvm
mvmffoo sd
sd`cs
`cs
lmsihuft hf sc`citcl mtcbs. Ghw buig
whu`l yhu pdy nhr d pdmr hn sghcs wghsc
hrmomfd` prmzc ms [G[ 4,93; wmtg d 5;%
lmsihuft8
 Dfswcr1
\gc lmsihuftcl prmic nhr tgc sghcs ms [4;7;
2 493; - .5; (493;)
2 .7; (493;)
2 [4;7;
Mt ms vcry gc`pnu` tgdt tgc stulcfts wm`` jfhw
Id`iu`dtmfo prmic pcr jm`h dfl wcmogmfo ghw th ihbputc tgc lmsihuftcl prmic hn
prhluic drc edsmi jfhw`cloc tgdt ohhls sh tgcy idf ihbpdrc wgmig hfc gds
stulcfts bust jfhw cspcimd``y wgcf tgcy d ohhl hnncr dfl wm`` ec de`c th sdvc bhfcy
drc euymfo mf d orhicry hr sc``mfo mf tgcmr wgm`c jfhwmfo ghw th ihbputc tgc mftcrcst
hwf eusmfcss. rdtcs cdrfcl mf mfvcstbcfts wm`` cfihurdoc
hr bhtmvdtc tgcb th sdvc.
Yghrt \cst1 Yghrt \cst1 [rhe`cb 41 Yhfmd edjcl 3 lhzcfs hn iupidjcs [rhe`cb 41
4. Umigdrl
Umigdrl dfl gms
iduogt 9 9/shf wcft nmsgmfo.
< jo hn nmsg wgm`c gms
 Mf`dec`cl,
ms d orhicry sthrc,
"Oct d [G[9;;
d 5;% idsc
lmsihuft." hn shld
_gdt ms wgmig ihst
sghu`l sgc gcr
sc``dcdig
thtd`iupidjc
hn [G[ 5>?3.
mn sgc Ghw
wdftsbuig
th  Ds hn tgc
ldtc, tgmsiurrcft
bhftg”sthtd`
iut hn
shf iduogt 5 4/< jo hn nmsg. _gdt ms tgc tgc lmsihuft8 _gdt ms tgc sd`c prmic hn tgc oct d 53% prhnmt8 dbhuft luc nrhb yhur
thtd` wcmogt hn tgc nmsgcs tgdt tgcy iduogt8 idsc hn shld8 purigdscs usmfo yhur
Mn tgcy sc`` mt th tgc bdrjct dt [G[4;; pcr Yh`utmhf1 irclmt idrl ms [==,97>.3=.
jm`h, ghw buig wm`` mt ihst8  Dfd`ysms1 \gc pgrdsc, "Oct d 5;% 2 5>?3x.53 (5>?3) \gc bmfmbub rcqumrcl
 Dfswcr1 \htd` wcmogt ms > jo dfl tgc prmic lmsihuft," rcncrs th tgc rdtc. 2 4.53 x 5>?3 pdybcft ms 3% hn tgc thtd`
ms [G[>;;.   299<9.?3 dbhuft luc. Mn yhu pdy
  Yh`utmhf1
hf1 \gc rdtc ms 5;%. hf`y tgc bmfmbub
\gc lmsihuft ms1 ;.5; x [G[9;; 2 [G[>; rcqumrcl pdybcft, d
\gc sd`c prmic ms id`iu`dtcl ds nh``hws1 nmfdfimfo igdroc hn 9.<%
hn tgc rcbdmfmfo ed`dfic
43
 

$9;; hrmomfd` prmic wm`` ec igdrocl th tgc fcxt

- >; lmsihuft em``, dssubmfo yhu wm``
  5<; sd`c prmic rcnrdmf nrhb usmfo yhur
  irclmt idrl hf dfy hn yhur
 Dfswcr1 \gc lmsihuft ms [G[ >; dfl tgc purigdscs nhr tgc fcxt
sd`c prmic ms [G[5<;. tgrcc bhftgs dfl yhu pdy
hf`y tgc bmfmbub
5. Ssc pcricftdoc mf ihbputmfo edfj rcqumrcl ed`dfic cdig
mftcrcst bhftg, ihbputc yhur
Cx. Ghw buig wm`` yhur bhfcy cdrf mn yhu cxpcitcl bhftg`y em`` nhr
wm`` mfvcst [G[4;;,;;; mf tgc edfj wmtg >% tgc fcxt tgrcc bhftgs.
mftcrcst pcr ycdr8  Dssubc d`sh tgdt yhu
 Dfswcr1 \gc mftcrcst ms [G[4;;,;;; x .;> d`wdys pdy hf hr ecnhrc
2 [G[>,;;; pcr ycdr. tgc luc ldtc.

Yh`utmhf1
Hescrvc tgdt dntcr 9
bhftg`y pdybcfts bdrig
th bdy (yhu whu`l gdvc
pdml d thtd` hn [<,=>=.99+
[<,774.9? + [<,?=<.=?2
[4<,><3.>?.
Ghwcvcr, hf`y tgc
lcluitmhf nrhb yhur
hrmomfd` lcet ms
[==,97>.3= ’
[=<,5;5.;92[3,47<.3>.
Gcfic, cvcry tmbc wc
jccp pdymfo hf`y tgc
bmfmbub rcqumrcl
pdybcft, bhrc bhfcy

ohcs th
htgcr mftcrcst
tgdf pdybcfts
pdybcft hn
ditud` lcet.

[rhe`cb 51
Ycfmhr Imtmzcfs dfl
pcrshfs wmtg lms dem`mtmcs
drc omvcf d 5;% lmsihuft
mf nhhl mtcbs. Mn d igm`l
wmtg lmsdem`mty omvcs [4;;
em`` th pdy nhr df mic ircdb
tgdt ihst [33 mfi`usmvc hn
Lmvmsmhf hn [dbpdfod
4>
 

vdt, ghw buig igdfoc wm``

ec tgc igm`l rcicmvc8

Yh`utmhf1
Ymfic 33/ 4.45 2 [<=.44
(vdtde`c dbhuft)
\gc 5;% lmsihuft ms
dpp`mcl th <=.44. gcfic
tgc igm`l wm`` pdy hf`y ;.7;
(<=.44)29=.9; dfl tgc
igdfoc ms >;.?;.
LL.Dllmtmhfd`
h fd` dit
ditmvm
mvmtmcs
t mcs nhr   Dssmofbcft1 \djc ghbc ditmvmtmcs/ dssmofbcft1  Gdvc df dlvdfic rcdlmfo
dpp`midtmhf hr rcbclmdtmhf 4. . Mf d idfly sthrc, d [G[<3;.;; adr hn 4.  D`ecrt dfl _m``mdb drc dehut tgc fcxt `csshf,
idfly ms `dec`cl, "3;% hnn." _gdt ms tgc idflmldtcs. D`ecrt rcicmvcl Udtmh dfl prhphrtmhfs.
lmsihuft8 _gdt ms tgc sd`c prmic hn tgc adr 53;; vhtcs wgm`c _m``mdb
hn iidfly8
dfly8 Dfd`y
Dfd`ysms1
sms1 \gc ppgrdsc,
grdsc, "3;% rcicmvcl 9;;; vhtcs. _gdt ms
hnn," rcncrs th tgc rdtc.Yh`utmhf1\gc rdtc ms tgc rdtmh hn D`ecrt”s vhtc dodmfst
3;%.\gc lmsihuft ms1 ;.3; x [G[<3; 2 _m``mdb”s8  
_m``mdb”s8
[G[553. \gc sd`c prmic ms id`iu`dtcl ds  D`ecrt 2 53;;
nh``hws1
 Dssmofbcft1     2
2 353;;/3;;
4. Oh th tgc orhicry sthrc dfl `mst lhwf _m``mdb 2 9;;;
tgc ohhls tgdt uscl nrditmhf th lctcrbmfc [G[<
[G[<3;
3; hrmo
hrmomf
mfd`
d` prmi
prmicc
  2 9;;;/3;;
ghw buig mt ihsts.
  2>
 Dfswcr1 Nrditmhfs hn d jm`hordb mf bcdt,
nmsg, rmic, vcoctde`cs dfl nrumts
  2 53;;19;;; hr 31>
4 4/5 jm`h hn igmijcf -  553 - lmsihuft
5 4/< jm`h hn nmsg
5; 4/5 jm`h hn rmic 5. @mczc`, Bdrmic` dfl Ybhjy drc
4 4/< jm`h hn thbdthcs pdrtfcrs. \gcmr idpmtd` ed`dfics
9 4/5 jm`h hn ordpcs drc [4;,;;;.;;, [5;,;;;.;;,
  55 3 sd `c p rmrm iicc
dfl [9;,;;;.;;, rcspcitmvc`y.
_gdt ms tgcmr idpmtd` rdtmh8
 Dfswcr1 \gc lmsihuft ms [G[553 dfl tgc @mczc` 2 4;,;;;;
sd`c prmic ms [G[553. Bdrmic` 2 5;,;;;;
5. Ghw buig wm`` yhur bhfcy cdrf mn yhu Ybhjy 2 9;,;;;
wm`` mfvcst [G[3;;,;;; mf tgc edfj wmtg 3%
mftcrcst pcr ycdr8
 Dfswcr1 \gc mftcrcst ms [G[3;;,;;; x .;32 2 (4;,;;;;15;,;;;19;,;;;;)
[G[53,;;; pcr ycdr. /4;,;;;
2 41519

Lmvmsmhf hn [dbpdfod
4?
 

^. UCBDUJY

^M. UCN@CI\MHF

H. Fh. hhnn `cd

`cdrfc
rfcrs
rs wgh
wgh cdrfcl
cdrfcl
7;% mf tgc cvd`udtmhf
[. Fh. hhnn `cd
`cdrfc
rfcrs
rs wgh
wgh rcqumr
rcqumrcc
dllmtmhfd` ditmvmtmcs nhr
rcbclmdtmhf
T. Lml tgc
tgc rc
rcbcl
bclmd`md` `ccsshfs
sshfs
whrj8 Fh. hn `cdrfcrs wgh
gdvc iduogt up wmtg tgc
`csshf
U. Fh. hn `cd
`cdrfc
rfcrs
rs wgh
ihftmfuc th rcqumrc
rcbclmdtmhf
Y. _gmig
_gmig hn by tcd tcdigm
igmfofo
strdtcomcs whrjcl wc``8
_gy lml tgcsc whrj8
\. _gdt
_gdt lm lmnnm
nnmiiu`tmc
u`tmcss lml M
cfihuftcr wgmig by
prmfimpd` hr supcrvmshr idf
gc`p bc sh`vc8
S. _gdt
_gdt mfffhvdtm
fhvdtmhf h f hr
`hid`mzcl bdtcrmd`s lml M
usc/lmsihvcr wgmig M wmsg
th sgdrc wmtg htgcr
tcdigcrs8

Ordlcs 4 th 45 Yighh` Ordlc @cvc` 44

Lmvmsmhf hn [dbpdfod
LDM@] @CYYHF @HO
47
 

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl,
M. HEACI\M^CY
dllmtmhfd` `csshfs, cxcrimscs, dfl rcbclmd` ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc
 Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft
ihftcft dfl ihbpctcfimcs dfl cfde`c igm`lrcf th nmfl smofmnmid
smofmnmidfic
fic dfl ahy mf `cdrfmfo tgc `csshfs.
_ccj`y heacitmvcs sgd`` ec lcrmvcl mf tgc iurrmiu`ub oumlcs.

A. Ihftc
Ihftcft
ft Yt
Ytdf
dfldr
ldrls
ls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn tgc jcy ihficpts hn rdtmh dfl prhphrtmhf.

J. [crnhr
[crnhrbdf
bdfic
ic Ytdfld
Ytdfldrls
rls \gc `cdrfcrs drc de`c th1
9. nhrbu`ddtctc dfl sh
sh`vc
`vc prh
prhe`cbs
e`cbs mffvh`vmfo
vh`vmfo rdtmh dfl prh
prhphrtmh
phrtmhff
5. usc tgc ihficpt hn prhphrtmhf mf bdjmfo `mnc lcimsmhfs

@. @cd
@cdrfm
rfmfo
f o Ihb
Ihbpct
pctcfi
cfimcs
mcs// Mlcftmny tgc lmnncrcft jmfls hn Yh`vc prhe`cbs mfvh`vmfo lmrcit,
Heacitmvcs 4. Ihbpdrc dfl lmnncrcftmdtc rdtmh dfl rdtc 4. wrmtc rdtmhs m``ustrdtmfo rcd`-`mnc prhphrtmhf dfl omvc cxdbp`c hn mfvcrsc dfl pdrtmtmvc prhphrtmhf
_rmtc tgc @I ihlc nhr cdig DEBXEB44U[-Mc-4 smtudtmhfs DEBXEB44U[-`c-5 cdig DEBXEB44U[-Mn-<
DEBXEB44U[-Mc-9

MM. IHF\CF\ Udtmh & [rhphrtmhf

MMM. @CDUFMFO UCYHSUICY

O. Ucnc
Ucncrc
rcfi
fics
cs
<. \cdig
\cdigcr”s
cr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd`s pdocs
9. \cxtehhj pdocs

<. Dllmtmhfd`
UcshuricBdtcrmd`s nrhb @cdrfmfo
(@U) phrtd`
G. Htg
Htgcr
cr @cdrf
@cdrfmfo
mfo Ucsh
Ucshuri
urics
cs [rc-D`ocerd ([rcftmic Gd`` Bdtgcbdtmis): Fcw Bdtgcbdtmis Ihufts (Bdrsgd``
Idvcflmsg Cluidtmhf): mftcrfct diicss: Eusmfcss Bdtgcbdtmis ey Bdrmdfh, Fhrbd @.
73-7?
M^. [UHIC SUCY Lmsiussmhf hn tgc tgchrmcs hn tgc `csshf, prhvmlmfo cxdbp`cs dfl rcd` `mnc dpp`midtmhfs.
CC. Ucvmcwmfo
Ucvmcwmfo prcvmhus
hus `csshf hr Ucvmcw tgc stulcfts hn tgc prcvmhus `csshf  Dfswcrmfo hn tdjc ghbc ditmvmty nrhb Ucvmcw tgc `csshfs rcodrlmfo tgc  Dsj tgc stulcfts tgc jmfls hn
prcscftmfo tgc fcw `csshf rcodrlmfo nrditmhfs, lcimbd`s, pcricft ds prc prcvmhus scssmhf nufitmhfs hn prhphrtmhfs. prhphrtmhfs ds lmsiusscl `dst
 ’rcqumsmtc th rdtmh dfl prhphrtmhf bcctmfo tgcf mftrhluic prhe`cbs
4. Lcx
Lcxtcr
tcr,, Clud
Cludrlh
rlh,, dfl Nc
Ncrfd
rfdflh
flh dr
drcc mfvh`vmfo jmfls hn prhphrtmhfs

Lmvmsmhf hn [dbpdfod
4=
 

pdrtfcrs sgdrmfo prhnmts dfl `hsscs1 4/7

th Lcxtcr, ° th Cludrlh, dfl 3/7 th
Ncrfdflh. Nmfl tgc sgdrc hn cdig hn tgc
pdrtfcrs mf d fct prhnmt hn [5<,3;;.;;
(Ymbp`y bu`tmp`y tgc fct prhnmt ey tgc
ihrrcsphflmfo nrditmhf pdrt1
Lcxtcr”s sgdrc 2 4/7 x [5<,3;;.;; 2[
9,;>5.3; 
Cludrlh”s Ygdrc 2 ° x [5<,3;;.;;
>,453.;; 2
Ncrfdflh”s sgdrc 2 3/7 x [5<,3;;.;; 2
43,945.3;
  [
5<,3;;.;;
5. Ihf
Ihfvcr
vcrtt ;;.9?
.9?33 tthh nr
nrdit
ditmhf
mhf
  ;.9?3 2 9?3/4;;;
  2 9?3ÿ453/ 4;;; ÿ453
2 9/7
(9?3 gds 9 lcimbd` p`dics. Hur lcfhbmfdthr
sghu`l gdvc 9 zcrhs: gcfic, 4;;;. Ucluimfo
9?3/4;;; th `hwcst tcrbs, wc lmvmlc 9?3 ey 453
(GIN) th drrmvc dt 9: wc lmvmlc 4;;; ey 453)
 Dfswcr tgc dssmofbcft hf tgc C`mimt tgc stulcfts' mlcd hf tgc
NN. Cstde`
`csshfmmsgmfo
sgmfo d pur
purphsc
phsc nhr tgc Cbpgdsmzc tgc lmnncrcft drcds mf `mnc wgcrc ehdrl th gdvc d bdstcry tgc purphsc hn sh`vmfo prhe`cbs
jcy ihficpts hn rdtmh dfl rdtcs drc fcclcl prcvhmus `csshfs dehut tgc mfvh`vmfo prhprhtmhfs
nufitmhfs hn prhphrtmhfs.
OO.[rcscftmfo cxdbp`cs/mfstdfics hn Mftrhluimfo tgc fcw `csshf, mf Fh. hn ghurs rdtc x fh. hn ghurs
tgc fcw `csshf wgmig stuncfts wm`` de`c th mlcftmny whrj wm`` ec omvcf ds cxdbp`c
tgc lmnncrcft jmflns hn prhphrtmhfs
tgrhuog cxdbp`cs. Cxdbp`c 4.Mn 4;
`dpthps ihst [ 5;;,;;;.;;, tgcf
ghw buig lh 7 `dpthps ihst8
Mf tgc eusmfcss whr`l, tgcrc drc bdfy  Dfswcr1 fubecr hn `dpthps/ ihst2
smtudtmhfs wgcrc rdtmhs drc uscl. Ds df 4;/5;;,;;;2 7/x2 4;x27(5;;,;;;)
cxdbp`c
wgcrc ms mf idscs
mf pdrtfcrs drchnsgdrmfo
eusmfcss
hn pdrtfcrsgmp
prhnmts dfl tgcrcnhrchnx2
fubecr [4>;,;;;.;;
`dpthps ( tgc
drc lmrcit`y
`hsscs. prhphrtmhfd` smfic tgc bhrc `dpthps
yhu euy, tgc gmogcr tgc ihst wm` ec.
\Gms ms df cxdbp`c hn lmrcit
prhphrtmhf.Mf lmrcit prhphcrtmhf, tgc
fubecr hn prhluit ms lmrcit`y
prhphrtmhf th tgc ihst hn tgc
prhluit.
GG. Lmsiussmfo fcw ihficpts dfl Lcnmfc wgdt d rdtmh ms. Lcnmfc wgdt rdtc ms. \gc scihfl typc hn prhphrtmhf ms Lmsiuss tgc sh`utmhf mf sh`vmfo
prditmimfo fcw sjm``s #4  D rdtmh ms d ihbpdrmshf hn twh qudftmtmcs ey tgc mfvcrsc. Cxdbp`c1 Mf d \-sgmrt prhe`cbs mfvh`vmfo lmrcit, mflmrcit
lmvmsmhf.  D rdtc ms d rdtmh tgdt ihbpdrcs lcsmof ndithry, 3 cbp`hyccs idf dfl pdrtmtmvc prhphrtmhf
Lmvmsmhf hn [dbpdfod
5;
 

\gc rdtmh hn d th e  idf ec wrmttcf mf twh wdys1 qudftmtmcs hn lmnncrcft ufmts. nmfmsg lcsmofmfo 5; t sgmrts mf hfc
d. ds dd11e (hlls fhtdtmhf) , wgcrc tgc  D ufmt rdtc ms d rdtc tgdt gds d ghur. Ghw `hfo wm`` mt tdjc 4;
sybeh` ‐1‒ ms rcdl ds ‐ms th‒, hr  lcfhbmfdthr hn 4: tgdt ms, d rdtc nhr pchp`c
e. d/e
d/e,, e ≫ ; ((nrd
nrditm
itmhfd`
h fd` fht
fhtdtm
dtmhf)
h f) hfc ufmt hn d omvcf qudftmty.
MM. Lmsius
Lmsiussmf
smfoo fcw ihfi
ihficpts
cpts dfl
dfl \gcrc drc twh wdys hn nmflmfo tgc rdtmh1  
prditmimfo fcw sjm``s #5 4. Lmvmsmhf
5. 5. I Ihbp
hbpdrm
drmfo
fo fubc
fubcrdt
rdthrs
hrs hn

nrditmhf wmtg tgc sdbc lcfhbmfdthr 

AA. Lcvc`hhpmfo
pmfo bd
bdstcry
stcry (`cdls
(`cdls th [rhvmlmfo cxdbp`cs dfl smtudtmhfd` prhe`cbs Cxdbp`c 41
Nhrbdtmvc Dsscssbcft 9) dehut rdtmh dfl sh`vmfo nhr tgc dfswcrs
thoctgcr wmtg tgc stulcfts1
Cxdbp`c 4 (uflcrstdflmfo tgc ihficpt hn
rdtmh)1
\gcrc drc twmic ds bdfy bdrrmcl cbp`hyccs
ds smfo`c cbp`hyccs, wmtg tgms wc bcdf tgdt
tgc rdtmh hn bdrrmcl th smfo`c cbp`hyccs ms  
514, wgcrc 5 rcprcscfts bdrrmcl cbp`hyccs
dfl 4 rcprcscfts smfo`c cbp`hyccs.
dsj tgc stulcfts th rc-cigh dsj tgc stulcfts th cfubcrdtc
lmnncrcft jmfls hn prhphrtmhfs jmfls hn prhphrtmhfs dfl dsj hfc
Mn yhu lrmvc 45; jb mf 45; ghurs, tgcf ey hfc th sh`vc sdbp`c prhe`cbs
yhur rdtc idf ec cxprcsscl ds tgc mfvh`vmfo prhphrtmhfs
rdtmh hn jm`hbctrcs th ghurs: tgdt ms,
45;jb/ 5ghurs
Dfswcr1 
]hur ufmt rdtc ms >;jb/4 ghur hr >;
jb/gr.

Cxdbp`c 5 (lmvmsmhf hn rdtmh) Cxdbp`c 51 

Mn tgcrc drc 5; ehys dfl 9; omr`s, ghw wm`` wc  
nmfl tgc rdtmh8
wc nmfl tgc rdtmh ey lmvmlmfo 5; ehys ey 9;
omr`s dfl rcluic mt th `hwcst tcrbs, tgdt ms,  
5;/9; 2 5/9 2 519  \gc rdtmh hn jm`hbctrcs th `mtcrs ms 45;
Cxdbp`c 9 (ihbpdrmfo fubcrdthrs hn nrditmhf
wmtg tgc sdbc lcfhbmfdthr)
Mn wc gdvc d thtd` hn 4;; \-sgmrts hn 9;-sbd``  
smzcl, 3; bclmub-smzcl, dfl 5; `droc-smzcl
\-sgmrts, wc gdvc
9;/4;; sbd``
3;/4;; bclmub
5;/4;; `droc
D idr trdvc`s 45; jb hf 4; `mtcrs hn
ods. Omvc tgc rdtmh hn tgc jm`hbctrcs th 
`mtcrs (tgc rdtc) dfl cxprcss d ufmt
rdtc.
Dfswcr1 
jbs/4; `mtcrs.
\gc ufmt rdtc ms 45 jm`hbctcrs/`mtcr 
Dsj tgc stulcfts th ihbpdrc dfl
lmnncrcftmdtc rdtmh dfl rdtcs dfl mts
uscs.

\h oct tgc rdtmh, wc ihbpdrc tgc fubcrdthrs: 

gcfic, wc sdy tgdt tgc rdtmh hn
sbd``1bclmub1`droc ms 9;13;15; hr 91315.
 Dllmfo d`` tgc fubcrdthrs sghu`l omvc us tgc
lcfhbmfdthr. \h igcij, 9;+3;+5;24;;. \gms 
ms ecidusc tgc thtd` hn tgc pdrts cqud`s tgc

Lmvmsmhf hn [dbpdfod
54
 

wgh`c.
JJ. Nmflmfo pr
prditmid`
ditmid` dpp`midtmhfs hn  Dsj tgc stulcfts hn ldm`y ditmvmty/mcs wgcrc  
ihficpts dfl sjm``s mf ldm`y `mvmfo tgcy fcclcl th dpp`y tgc jfhw`cloc hn rdtmh1
Cxdbp`c1 
Ldm`y euloctmfo hn tmbc sigclu`c usmfo rdtmh,
wc gdvc 5< ghurs d ldy ghw wm`` yhu lmvmlc
 yhur tmbc wmtg d`` yhur ditmvmtmcs usmfo rdtmh.

@@. Bdjmfo ocfcrd

ocfcrd`mzdt
`mzdtmhfs
mhfs dfl Udtmh ms tgc rc`dtmhf ectwccf twh fubecrs hr  
destrditmhfs dehut tgc `csshf twh bdofmtulcs hn tgc sdbc jmfl. \gc
cxprcssmhfs 415 (rcdl ds ‐hfc ms th twh‒), ²,
dfl 4ÿ5 mflmidtc rdtmhs. _c drc ditud``y
ihbpdrmfo hr sghwmfo tgc rc`dtmhfsgmp  
ectwccf 4 dfl 5.
BB.Cvd`udtmfo `cdrfmfo
D rdtc ms d`sh d rdtmh. _gm`c d rdtmh rc-lmsiuss lmnncrcft jmfls hn rc- lmsiuss sh`utmhfs th prhe`cbs
ihbpdrcs twh qudftmtmcs hn tgc sdbc prhphrtmhf mfvh`vmfo lmnncrcft jmfls hn
jmfl, d rdtc ihbpdrcs twh qudftmtmcs hn  prhphrtmhf
lmnncrcft jmfls hr twh uf`mjc qudftmtmcs.
D rdtc ms d rdtmh tgdt ms uscl ds d nhrb
hn bcdsurcbcft.
Lrm`` ehdrl th sh`vc tgc prhe`cbs rcitmtdtmhf sghrt qumz
mfvh`vmfo rdtc1
[rhe`cb 41
Qcfy”s iurrcft sd`dry ms [9,>;;.;; d
bhftg. Gcr prcvmhus sd`dry wds

[9,5;;.;;.
mfircdsc mf _gdt ms tgc rdtc hn
gcr sd`dry8

 Dfswcr1 
Iurrcft sd`dry 2 [ 9>;;.;;
9>;;.;; 2 T 44  
[rcvmhus Yd`dry 2 [ 95;; 2 T 55  

Nmfl1 Udtc hn mfircdsc 

Yh`utmhf1 U 2 (T 5 5   ’’ T 44  )/
  T 44  
  2 ([9>;; ’ [95;;)/
[95;; 
  2 [<;;/[95;; 
  2 4/7 2 ;.453 
  245.3% 
Fhtc1 \gcrc ms df mfircdsc mf sd`dry
(wc oht phsmtmvc [<;;.;;). \gms
mfircdsc rcprcscfts tgc pcricftdoc.
Hur edsc ms d`wdys tgc hrmomfd`
qudftmty th wgmig wc drc ihbpdrmfo
tgc fcw qudftmty.

[rhe`cb 51
\gms bhftg”s sd`cs wcrc [45;;;.;;
@dst bhftg, tgc sd`cs wcrc
Lmvmsmhf hn [dbpdfod
55
 

[43,;;;.;; Nmfl tgc rdtc hn mfircdsc/

(lcircdsc).

 Dfswcr1 
Omvcf1
Iurrcft Yd`cs 2 T5 2 [45;;;.;; 
@dst bhftg”s sd`cs 2 T4 2 [43;;;.;; 

Nmfl1 Udtc hn mfircdsc/ (lcircdsc)  

Yh`utmhf1 Udtc hn mfircdsc/ (lcircdsc)

2 (T5 ’ T4)/T4
2 ([45;;;.;; ’
[43;;;.;;)/[43;;;.;;
2 9/43
2 4/3
2 ;.5 / 5;% rdtc hn lcircdsc

Fhtc1 \gcrc ms d lcircdsc mf sd`cs

lcfhtcl ey tgc ([9;;;.;;) wc oht:
gcfic, wc gdvc d rdtc hn lcircdsc.
FF. Dllmtmhfd` ditmvmtmcs nhr dpp`midtmhf \djc ghbc ditmvmtmcs/ dssmofbcft1
hr rcbclmdtmhf 4. D`ecrt
D`ecrt df
dfll _m``mmdb
db dr
drcc idfl
idflmld
mldtcs
tcs..
 D`ecrt rcicmvcl 53;; vhtcs wgm`c
_m``mdb rcicmvcl 9;;; vhtcs. _gdt
ms tgc rdtmh hn D`ecrt”s vhtc dodmfst
_m``mdb”s8
5. @mczc`
@mczc`,, Bdrmic
Bdrmic`` dfl Ybhj
Ybhjyy drc
pdrtfcrs. \gcmr idpmtd` ed`dfics drc
[4;,;;;.;;, [5;,;;;.;;, dfl
[9;,;;;.;;, rcspcitmvc`y. _gdt ms

9. tgcmr,I,L
D,E
D,E,I,idpmtd` rdtmh8
L lmvmlc
lmvmlcll d pmc mf suig
suig d wdy
tgdt D oht 4/3: E oht 9/4;: I oht
4/4;, dfl L oht 5/3. Nmfl tgc rdtmh
mf wgmig tgc nhur lmvmlcl tgc pmc.
^. UCBDUJY

^M. UCN@CI\MHF

^. Fh. hhnn `cd

`cdrfc
rfcrs
rs wgh
wgh cdrfcl
cdrfcl 7;%
7;% mf
tgc cvd`udtmhf

Lmvmsmhf hn [dbpdfod
59
 

_. Fh. hn `cdrfcrs
`cdrfcrs wwgh
gh rcqumrc
rcqumrc
dllmtmhfd` ditmvmtmcs nhr rcbclmdtmhf
W. Lml tgc
tgc rcb
rcbclm
clmd`
d` `csshf
`csshfss whrj8
whrj8
Fh. hn `cdrfcrs wgh gdvc iduogt
up wmtg tgc `csshf
]. Fh. hn ``cdr
cdrfcr
fcrss wgh ihftm
ihftmfuc
f uc th
rcqumrc rcbclmdtmhf
Q. _gm
_gmig
ig hn by tcdig
tcdigmfo
mfo strdt
strdtcom
comcs
cs
whrjcl wc``8 _gy lml tgcsc whrj8
 DD. _gdt lmnnmiu`tmcs lml M cfihuftcr
wgmig by prmfimpd` hr supcrvmshr
idf gc`p bc sh`vc8
EE. _gdt mffhvdtmhf
mffhvdtmhf hr `hid`mzcl
`hid`mzcl
bdtcrmd`s lml M usc/lmsihvcr wgmig
M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO
@HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs 
dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.
D. Ihftcft Ytdfldrls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn jcy ihficpts mf euymfo dfl sc``mfo

Lmvmsmhf hn [dbpdfod
5<
 

\gc `cdrfcrs drc de`c th dfd`yzc dfl sh`vc prhe`cbs hf mbphrtdft ndithrs mf bdfdomfo d eusmfcss1
E. [crnhrbdfic Ytdfldrls  4. Euymfo prhluits
5. Yc``mfo prhluits
\gc `cdrfcrs1 \gc `cdrfcrs1 \gc `cdrfcrs1 \gc `cdrfcrs1
I. @cdrfmfo Ihbpctcfimcs/
Lmnncrcftmdtc bdrj-hf, bdrj-lhwf dfl 4. Lmnncrcftmdtc Bdrj-hf, Bdrj lhwf dfl 4. Lmnncrcftmdtc Bdrj-hf, Bdrj lhwf dfl 4. Lmnncrcftmdtc Bdrj-hf, Bdrj lhwf dfl
Heacitmvcs (_rmtc tgc @I Ihlc)
bdrj-up Bdrj-up Bdrj-up Bdrj-up
DEBXEB44EY-Mo-4 DEBXEB44EY-Mg-5 DEBXEB44EY-Mg-9 DEBXEB44EY-Mg-<
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
MM. IHF\CF\ ES]MFO DF YC@@MFO
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
MMM. @CDUFMFO UCYHSU ICY pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs

9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`

E. Htgcr @cdrfmfo Ucshurics

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
M^. [UHIC SUCY nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs dehut 
wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.

\gc tcdigcr wm`` ec sghwmfo tgc
stulcfts d pmiturc hn d ‐ orcctmfo idrl‒
D. Ucvmcwmfo prcvmhus `csshf hr
 
prcscftmfo d fcw `csshf
4.\gc purphsc hn tgc `csshf ms th
mlcftmny tgc lmnncrcft bdtcrmd`s uscl th
E. Cstde`msgmfo d purphsc nhr tgc
prhluic d orcctmfo idrl
`csshf
5. \gc scihfl purphsc ms th dssmof
vd`uc nhr cvcry bdtcrmd`s uscl.
4. \gc purphsc hn tgc `csshf ms th lcnmfc
bdrj-up dfl mbphrtdfic hn mt mf
eusmfcss ey prhvmlmfo prhnmt.
4.\gc purphsc hn tgc `csshf ms th lcnmfc  
bdrj lhwf dfl lcvd`udtmhf hn bdrj up.
\gc tcdigcr wm`` ec sghwmfo tgc stulcfts d
pmiturc hn df heacit dfl `ct tgc stulcfts
mlcftmny tgc tgmfos tgdt drc uscl mf bdjmfo
tgdt heacit dfl mlcftmny tgc ihst hn cdig
rdw bdtcrmd`s dfl `ct tgcb sub mt up.
Dntcr tgdt tgc tcdigcr wm`` ec lmvmlmfo tgc
i`dss mfth nhur orhups dfl `ct tgc cdig
orhup omvc d rcd`mstmi dbhuft hn cvcry mtcb
`mstcl hf tgc ehdrl dfl wghcvcr ihbcs
i`hsc th tgc rcd` dbhuft ms tgc wmffcr.

Lmvmsmhf hn [dbpdfod
53

I. [rcscftmfo
hn tgc cxdbp`cs/mfstdfics
fcw `csshf
  . msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #4
C. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #5
N. cvc`hpmfo bdstcry (@cdls th
Nhrbdtmvc Dsscssbcft)
O. Nmflmfo prditmid` dpp`midtmhfs hn
ihficpts dfl sjm``s mf ldm`y `mvmfo
Lmvmsmhf hn [dbpdfod
Cxdbp`c1 Bdtcrmd`s fcclcl th prhluic
d d orcctmfo idrl1
Idrl ehdrl
Ih`hrcl pdpcr  Udw Bdtcrmd`s- [3,;;;/ufmt
Ih`hrcl pcfim`
[dstc
O`mttcrs
Yihtig tdpc
Uu`cr  \gc hwfcr lcsmrcl th gdvc d sc``mfo
Ytrmfo
 
4. \gc fcw sjm`` fcclcl ms th dssmof
vd`uc nhr cvcry bdtcrmd`s uscl.
\gc tcdigcr cxp`dmfs tgdt tgc bdtcrmd`s
uscl tgdt ecidbc pdrt hn tgc prhluit
drc Lmrcit Ihsts dfl tgc bdtcrmd`s uscl
dfl mfiurrcl eut fht nhrb pdrt hn tgc
prhluit drc mflmrcit ihst.
\gc tcdigcr tgcf rcvcd`s tgc nhrbu`d hn
Bdrj Sp1
Lmrcit Ihst + Mflmrcit Ihst 2 \htd` Ihst
Yc``mfo [rmic ’ \htd` Ihst 2 Bdrj
hf/[rhnmt
\gc `cdrfcrs gdvc bdstcrcl tgc nhrbu`d
nhr ihbputmfo Bdrj ’ hf.
Nhr d `cdrfcr wgh whu`l `mjc th cbe drj
mf d sbd`` eusmfcss. \gc `cdrfcr idf
cdsm`y lcsmof d lcsmrcl prhnmt edscl hf
ihst.
Cxdbp`c1 Mf d nurfmturc eusmfcss, tgc
hwfcr prhluicl d ufmt hn ihnncc tde`c
dfl mfiurrcl tgc nno. Ihst
@dehr- [4,3;;
BHG- 53;
\htd` Ihst- [>,?3;
 Dfswcr1 Bdrj lhwf 2 h`l sc``mfo prmic ’
fcw sc``mfo prmic
prmic hn [4;,;;;.  
Ghw buig whu`l ec tgc bdrj- hf hn tgc   2 [3;
ihnncc tde`c8
 Dfswcr1 [9, 53;
4.\gc lcbdfl nhr ihnncc tde`c mfircdscs
ey 4;%, tgcrcnhrc tgc hwfcr lcimlcl th
mfircdsc tgc sc``mfo prmic ey 4;% hn
bdrj hf. \gc dllmtmhfd` dbhuft dllcl
hf bdrj hf ms id``cl bdrj up.
\gc tcdigcr cxp`dmfs tgc lmnncrcfic
ectwccf bdrj hf dfl bdrj up ey
dfswcrmfo tgc prhe`cb omvcf dehvc.
Nhrbu`d1 Bdrj up 2 Bdrj hf +
 Dllmtmhfd` [rhnmt
Yh`utmhf1 Bdrj up 2 [9,53; + (4;% *
 [9,53;) 2 [9,53; + [953
  Bdrj up 2 [9, 3?3.
\gc `cdrfcrs gdvc bdstcrcl tgc nhrbu`d
nhr ihbputmfo Bdrj ’ up
Nhr d `cdrfcr wgh whu`l `mjc th cbedrj
mf d sbd`` eusmfcss. \gc `cdrfcr idf
cdsm`y lcsmof d lcsmrcl dllmtmhfd` prhnmt
edscl hf bdrj-hf.
Cxdbp`c1 Mf d sghc sthrc tgc bdfdocr \gc ditmvmty ms uscl ey tgc tcdigcr th ecttcr 
lcimlcl th lcircdsc tgcmr sc``mfo hf cxp`dmf ghw ihst ms ihbputcl th cvcry
hesh`ctc sghcs. \gc h`l sc``mfo prmic hn prhluit tgdt ms ecmfo sh`l mf tgc bdrjct.
tgc pdmr hn sghcs ms dbhuftmfo th [3;;  Dfl th ecttcr austmny tgc prmic mt wds bdrjcl
dfl tgc fcw sc``mfo prmic ms <3;. hf.
Ihbputc tgc bdrj lhwf.
Bdrj lhwf 2 [3;; ’ [<3;
4.Mn df mtcb sc``mfo nhr [<3; ms bdrjcl th \gc tcdigcr wm`` fhw lmsiuss tgc lmnncrcfic
sc`` [<;;, ihbputc bdrj lhwf. ectwccf Bdrj-hf, Bdrj-up dfl Bdrj-lhwf
usmfo tgc ditmvmty omvcf cdr`mcr.
\gc tcdigcr cxp`dmfs ghw th ihbputc
bdrj lhwf rcncrrmfo th tgc prhe`cb
prhvmlcl dehvc dfl lctcrbmfc tgc
purphsc hn mbphsmfo mt mf eusmfcss.
Bdrj lhwf 2 <3; ’ [<;;
  2 [3;
\gc `cdrfcrs gdvc bdstcrcl tgc nhrbu`d
nhr ihbputmfo Bdrj ’ lhwf
Nhr d `cdrfcr wgh whu`l `mjc th bdjc \gc tcdigcr wm`` fhw dsj tgc orhup th tgmfj
lcimsmhf mf rcluimfo sc``mfo prmic hn d hn d sicfdrmh wgcrc mf Bdrj-up df l Bdrj-
prhluit bust fht ecyhfl tgc thtd` ihst lhwf ms cxpcrmcficl dfl wm`` prcscft mt mf
th dvhml `hsscs tgc i`dss.
5>
 

Bdrj hf ms tgc prmic dllcl th ihst th
drrmvc dt d sc``mfo prmic.
G. Bdjmfo ocfcrd`mzdtmhfs dfl
 
destrditmhfs dehut tgc `csshf
Ehdrl _hrj1
Br. ] ms sc``mfo ghtidjcs nhr cbp`hyccs
whrjmfo mf tgc ihrfcr hn d eusy strcct mf  DEI [drtfcrsgmp ms sc``mfo wdsgmfo
 Dfoc`cs Imty. \gc Lmrcit Ihst th
prhluic d pmcic hn ghtidjc ms [3 , tgc
lmrcit ihst ms [4.3;, tgc sc``mfo prmic hn [47,;;;. \gc pdrtfcrs lcimlcl th gdvc
tgc ghtidjc ms [4;. Ghw buig ms tgc
bdrj-hf hn cvcry pmcic hn ghtidjc8
Yc``mfo [rmic ’ \htd` Ihst 2 Bdrj hf
M. Cvd`udtmfo `cdrfmfo
[4;.;; ’ [>.3; 2 [9.3;
Bdrj up ms tgc dllmtmhfd` prhnmt edscl hf Bdrj lhwf ms tgc lmnncrcfic ectwccf h`l \gc tcdigcr wm`` cfl tgc `csshf ey
bdrj-hf. sc``mfo prmic dfl tgc fcw sc``mfo prmic cbpgdsmzmfo th tgc stulcfts tgdt tgcrc ms
d`wdys rcdshfs wgy d icrtdmf prmic ohcs
up hr lhwf. Dfl ecmfo d ihfsubcr tgcy
bust ec d`` jfhw`clocde`c dehut mt
Orhup Ditmvmty1 Ycdtwhrj1  Dntcr tgc `csshf tgc tcdigcr wm`` ec omvmfo d
Ihbp`ctc tgc bmssmfo vd`uc1 sicfdrmh wgcrcmf 1
d. tgc stulcfts wm`` ec omvcf d spcimnmi mtcb
bdigmfcs. \gc thtd` ihst mfiurrcl mf H`l Y[ Fcw Y[ Bdrj dfl tgcy drc tgc hfcs wgh wm`` mlcftmny tgc
cvcry ufmt hn wdsgmfo bdigmfc ms lhwf ihst hn bdjmfo tgc sdml prhluit
4;,;;; =,53; 8 e. dntcr mlcftmnymfo tgc ihst tgc stulcfts wm``
d bdrj-hf hn [3,<;;. Dntcr 9 bhftgs hn 8 3,3;; <3; ec bdjmfo d ihbputdtmhfs hn tgc prhluits
hpcrdtmhf tgc lcbdfl hf wdsgmfo 9,3;; 8 53; bdrj hf prmic.
bdigmfc mfircdscs sh tgc pdrtfcrs 45,53; 44,3;; 8 i. d smtudtmhf `mjc scdshfd`mty wm`` ec omvcf
lcimlcl th mfircdsc tgcmr sc``mfo prmic ey 8 4>.3;; 73; dfl tgc stulcfts wm`` ec tdsjcl th ihbputc
5;% hn bdrj-hf. Ihbputc tgc bdrj-up. nhr tgc prhluits bdrj-up prmic. Dfl d`sh
tgcy wm`` ec tdsjcl th ihbputc up th wgdt
Yh`utmhf1 pcricftdoc tgcy drc ohmfo th mbphst th
Yc``mfo prmic 2 [47,;;; + [3,<;; tgcmr prhluits mf idsc tgcy gdvc th put mt hf
  2 [59, <;; YD@C.

Bdrj- up 2 5;% * [59,<;; Ytulcfts wm`` ec omvcf d igdfic th austmny

  2 [ <, >7; tgcmr dfswcr mf nrhft hn tgc i`dss.
A. Dllmtmhfd` ditmvmtmcs nhr  Dssmofbcft1 Dssmofbcft Dssmofbcft
dpp`midtmhf hr rcbclmdtmhf

^. UCBDUJY
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur 
^M. UCN@CI\MHF mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcbc
rcbclmd`
lmd` `csshfs wh
whrj8
rj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

Lmvmsmhf hn [dbpdfod
5?
 

  . Fh. hn `cdrfcr
`cdrfcrss wgh ihftmfuc th rcq
rcqumrc
umrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8

_gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO
@HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs 
dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.

D. Ihftcft Ytdfldrls \gc `cdrfcrs uflcrstdfl tgc ihficpt hn euy dfl sc``.

E. [crnhrbdfic Ytdfldrls \gc `cdrfcr dfd`yzcs dfl sh`vcs tgc prhe`cbs hf mbphrtdft ndithrs mf bdfdomfo d eusmfcss1 euymfo prhluits dfl sc``mfo prhluits.

\gc `cdrfcr ihbputcs nhr smfo`c trdlc lmsihufts dfl lmsihuft scrmcs.
I. @cdrfmfo Ihbpctcfimcs/ Lmnncrcftmdtc prhnmt nrhb `hss
DEBXEB44EY-Mg-3
Heacitmvcs (_rmtc tgc @I Ihlc) DEBXEB44EY-Mm->
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
MM. IHF\CF \ Euymfo dfl Yc``mfo
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
MMM. @CDUFMFO UCYHS UICY pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs

Lmvmsmhf hn [dbpdfod
57

9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`
E. Htgcr @cdrfmfo Ucshurics
M^. [UHIC SUCY
D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
E. Cstde`msgmfo d purphsc nhr tgc
`csshf
I. [rcscftmfo cxdbp`cs/mfstdfics
hn tgc fcw `csshf
  . msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #4
C. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #5
Lmvmsmhf hn [dbpdfod
Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs 
dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
[rcscftmfo fcw `csshf1 Yghwmfo tgc [rcscftmfo fcw `csshf1 Yghwmfo tgc [rcscftmfo fcw `csshf1 Yghwmfo tgc \gc tcdigcr wm`` ec sghwmfo < mtcbs hf tgc
mbphrtdfic hn \rdlc Lmsihufts dfl mbphrtdfic hn \rdlc Lmsihufts dfl mbphrtdfic hn \rdlc Lmsihufts dfl ehdrl wgmig drc ihbbhf`y sh`l dt tgc bd``
-Ymfo`c dfl Ycrmcs \rdlc Lmsihufts. -Ymfo`c dfl Ycrmcs \rdlc Lmsihufts. -Ymfo`c dfl Ycrmcs \rdlc Lmsihufts. eut wmtg lmsihufts tgc htgcr ms lmsihuftcl
Mlcftmnymfo tgc nhrbu`d. Mlcftmnymfo tgc nhrbu`d. Mlcftmnymfo tgc nhrbu`d. nhr 93% dfl tgc htgcrs ms lmsihuftcl nhr
euy 4 tdjc
tcdigcr wm``5.ecOmvcf tgctgc
dsjmfo hrmomfd` prmic
stulcfts tgc
ghw
buig tgc mtcb ms omvcf d sicfdrmh.
[urphsc hn \rdlc Lmsihuft. [urphsc hn \rdlc Lmsihuft. [urphsc hn \rdlc Lmsihuft. \gc ditmvmty ms dehut tcdigmfo tgc stulcfts
\h cfihurdoc vh`ubmfhus purigdsc: \h \h cfihurdoc vh`ubmfhus purigdsc: \h \h cfihurdoc vh`ubmfhus purigdsc: \h hf ghw th ihbputc nhr lmnncrcft jmfls hn
cfihurdoc idsg sd`cs: \h cfihurdoc cfihurdoc idsg sd`cs: \h cfihurdoc cfihurdoc idsg sd`cs: \h cfihurdoc lmsihuftcl prmics nhufl mf tgc bdrjct
cdr`y pdybcfts purigdsc. cdr`y pdybcfts purigdsc. cdr`y pdybcfts purigdsc.
Ymfo`c Lmsihufts1 Ymfo`c Lmsihufts1 Ycrmcs Lmsihufts: Lmsihuft Udtc
Cxdbp`c1 9;/3;: 43/59, 45/53 Bctghl
F[U 2 (4-l4) (4-l5) (4-l9)
L2 @[ x l
Cxdbp`c1 Ihbputc ’ Ehhjs `mstcl dt Cxdbp`c1 Ihbputc ’ Ehhjs `mstcl dt  Dpp`midtmhf1 Nmfl tgc Fct [rmic hn d \gc tcdigcr wm`` fhw lmsiuss tghrhuog`y
[<;;.;; drc hnncrcl nhr 43% hnn tgc `mst [<;;.;; drc hnncrcl nhr 43% hnn tgc `mst nrcczcr `mstcl dt [4<, ;;;.;; `css ?% ghw th ihbputc lmsihuftcl prmics.
prmic. _gdt dllmtmhfd` lmsihuft rdtc prmic. _gdt dllmtmhfd` lmsihuft rdtc lmsihuft..
bust ec hnncrcl th bdjc tgc fct prmic hn  bust ec hnncrcl th bdjc tgc fct prmic hn 
[97;.;; [97;.;;
Bdstcry hn tgc nhrbu`d. Bdstcry hn tgc nhrbu`d. Lmstrmeutcrs hnncrcl busmid` mfstrubcft
Bcbhrmzc tgc nhrbu`d. Ycdt whrj: Ehdrl whrj. `mstcl dt [7,7;;.;; nhr [?,9;;.;; th d
rctdm`cr. _gdt wds tgc rdtc hn lmsihuft8
5=
 

N. cvc`hpmfo bdstcry (@cdls th
Nhrbdtmvc Dsscssbcft)
O. Nmflmfo prditmid` dpp`midtmhfs
hn ihficpts dfl sjm``s mf ldm`y
`mvmfo
G. Bdjmfo ocfcrd`mzdtmhfs dfl
destrditmhfs dehut tgc `csshf
M. Cvd`udtmfo `cdrfmfo
A. Dllmtmhfd` ditmvmtmcs nhr
dpp`midtmhf hr rcbclmdtmhf
^. UCBDUJY
^M. UCN@CI\MHF
Ytulcfts wm`` ihbputc prhe`cbs nhr
\rdlc Ycrmcs. pp. 44?-447, \rdlc
Lmsihuft
\rdlc lmsihufts (Ymfo`c) dfl Ycrmcs hn
Lmsihufts drc mbphrtdft nhr sc``crs ’ th
hetdmf trdlc lmsihufts idf gc`p sbd``
eusmfcsscs sdvc bhfcy wgcf
purigdsmfo ohhls dfl scrvmics nrhb
supp`mcrs.
\rdlc lmsihufts idf `hwcr eusmfcss
ihst, mfircdsc purigdsmfo phwcr,
mbprhvc ohhlwm`` dfl gmog ihfsubcr
sd`cs.
[rhe`cb Yh`vmfo, Tumzzcs, Ycdtwhrj,
Ehdrl _hrj, Ghbcwhrj.
Yh`vc [rhe`cbs hf pp. 457, 45=, dfl
49; nrhb tgc rcncrcfic ehhj.
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur
mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.
Ytulcfts wm`` ihbputc prhe`cbs nhr
\rdlc Ycrmcs. pp. 44?-447, \rdlc
Lmsihuft
\rdlc lmsihufts (Ymfo`c) dfl Ycrmcs hn
Lmsihufts drc mbphrtdft nhr sc``crs ’ th
hetdmf trdlc lmsihufts idf gc`p sbd``
eusmfcsscs sdvc bhfcy wgcf
purigdsmfo ohhls dfl scrvmics nrhb
supp`mcrs.
\rdlc lmsihufts idf `hwcr eusmfcss
ihst, mfircdsc purigdsmfo phwcr,
mbprhvc ohhlwm`` dfl gmog ihfsubcr
sd`cs.
[rhe`cb Yh`vmfo, Tumzzcs, Ycdtwhrj,
Ehdrl _hrj, Ghbcwhrj.
Yh`vc [rhe`cbs hf pp. 457, 45=, dfl
49; nrhb tgc rcncrcfic ehhj.
Ytulcfts wm`` ihbputc prhe`cbs ’
Lmsihuft Ycrmcs- pp. 453-45>
\rdlc lmsihufts (Ymfo`c) dfl Ycrmcs hn \gc tcdigcr wm`` omvc dfhtgcr smtudtmhf
Lmsihufts drc mbphrtdft nhr sc``crs ’ th wgcrc mf mt mfvh`vcs dmrndrcs dfl ghw tgcy
hetdmf trdlc lmsihufts idf gc`p sbd`` cdrf usmfo lmsihufts dfl sd`cs.
eusmfcsscs sdvc bhfcy wgcf
purigdsmfo ohhls dfl scrvmics nrhb
supp`mcrs.
\rdlc lmsihufts idf `hwcr eusmfcss \gc tcdigcr wm`` cfl tgc `csshf ey dsjmfo
ihst, mfircdsc purigdsmfo phwcr, tgc nh``hwmfo qucstmhfs
mbprhvc ohhlwm`` dfl gmog ihfsubcr 4. _gdt lh yhu tgmfj ms tgc rcdshf ecgmfl
sd`cs. sd`cs8
5. _gdt lh yhu tgmfj drc tgc ecfcnmts hn
usmfo sd`c mf d eusmfcss8
9. _gdt ms yhur rcd`mzdtmhf uphf nmfmsgmfo
tgc lmsiussmhf dehut sd`c.
[rhe`cb Yh`vmfo, Tumzzcs, Ycdtwhrj,
Ehdrl _hrj, Ghbcwhrj.
Yh`vc [rhe`cbs hf pp. 457, 45=, dfl
49; nrhb tgc rcncrcfic ehhj.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

E. Fh. hn ` cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcb
rcbclmd`
clmd` `csshfs whrj8
whrj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcrs wg
wghh ihftmfuc th rcqu
rcqumrc
mrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8

_gy lml tgcsc whrj8

Lmvmsmhf hn [dbpdfod
9;
 

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF
@CYYHF @HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss Bdtgcbdtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs dfl 
cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.

D. Ihftcft Ytdfldrls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn tgc jcy ihficpts mf euymfo dfl sc``mfo.

E. [crnhrbdfic Ytdfldrls @cdrfcrs drc de`c th dfd`yzc dfl sh`vc prhe`cbs hf mbphrtdft ndithrs mf d bdfdomfo d eusmfcss1 euymfo prhluits dfl sc``mfo prhluits
\gc `cdrfcrs drc de`c th1 M``ustrdtc \gc `cdrfcrs drc de`c th1 Lcfc ercdj- \gc `cdrfcrs drc de`c th1 Yh`vc \gc `cdrfcrs drc de`c th1 M``ustrdtc
ghw prhnmt ms hetdmfcl dfl ghw th cvcf: m``ustrdtc ghw th lctc
lctcrbmfc
rbmfc prhe`cbs mfvh`vmfo euymfo dfl ghw mftcrcst ms ihbputcl
I. @cdrfmfo Ihbpctcfimcs/ dvhml `hss mf d omvcf trdfsditmhf ercdj-cvcf phmft sc``mfo prhluits DEBXEB44EY-Ma-= spcimnmid``y ds dpp`mcl th
Heacitmvcs (_rmtc tgc @I Ihlc) DEBXEB44EY-Mm-? DEBXEB44EY-Ma-7 bhrtodoc, dbhrtmzdtmhf, dfl hf
scrvmics/utm`mtmcss dfl hf lcphsmts
scrvmics/utm`mtmc
dfl `hdfs DEBXEB44EY-Ma-4;
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
MM. IHF\CF\ Euymfo dfl Yc``mfo
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
MMM. @CDUFMFO UCYHSU ICY pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`

Lmvmsmhf hn [dbpdfod
94

E. Htgcr @cdrfmfo Ucshurics
M^. [UHIC SUCY
D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
E. Cstde`msgmfo d purphsc nhr tgc
`csshf
I. [rcscftmfo cxdbp`cs/mfstdfics
hn tgc fcw `csshf
Lmvmsmhf hn [dbpdfod
Ycssmhf 4
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb
nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs dehut
wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
Gdvc tgc stulcfts rcid`` tgc tcrbs
mftrhluicl mf tgc prcvmhus `csshf
usmfo "[MFH] GCF]H"
Dsj tgc stulcfts th m``ustrdtc
cxdbp`cs hn eusmfcss trdfsdihf
pdriu`dr`y sc``mfo, nhr cxdbp`c1
Ah`mecc-eurocrs, nrmcs, JNI- nrmcl
igmijcf, Jrmspy Jrcbc- lhfuts
[rht dfl `hss drc mbphrtdft
eusmfcss ihficpts. Eusmfcss
hwfcrs bdjc prht mn tgcy sc`` df
mtcb dt d prmic bhrc tgdf wgdt
tgcy pdml nhr mt. \gcy mfiur `hss mn
tgcy sc`` df mtcb dt d prmic `css
Ycssmhf 5 Ycssmhf 9 Ycssmhf <
 
 
LH1 \gc [rmic ms Umogt!
(Mftrhluitmhf) Lmsiuss tgc jcy ihficpts
mf euymfo dfl sc``mfo tgrhuog tgc usc hn 
Ucvmcw stulcfts hf Bdrj-up, bdrj-hf, tgc odbc.
Ucvmcw/lrm`` hf prhnmts dfl `hsscs.
dfl bdrj lhwf. (Fhtc1 Ihfsmlcr tgc prmic hn tgc p`dycrs
th ec tgcmr sc``mfo prmic, dfl usc tgms th
lmsiuss tgc lmnncrcft ihficpt mf euymfo
dfl sc``mfo)
Lmsiuss tgc nh``hwmfo Jcy Ihficpts1
Ihst rcncrs th tgc purigdsc prmic hn df
drtmi`c. Mn d trdlcr ehuogt d prhluit hn
[4;;.;;, tgms ms tgc ihst hn tgc prhluit
ds ndr ds tgc trdlcr ms ihficrfcl.
Bdrj-hf (mfmtmd` bdrjup) rcncrs th tgc
dbhuft dllcl th ihst th drrmvc dt tgc
Dsj stulcfts th sgdrc cxpcrmcfics mf hrmomfd` sc``mfo prmic. Mt shbctmbcs
sc``mfo prhluits (rcid`` \@C, rcncrrcl th ds bdromf. Jcy Ihficpts1 Dsj tgc stulcfts wgh dbhfo tgcb
cftrcprcfcursgmp,
cftrcprcfcur sgmp, bdrjcfo prhacits). Dllmtmhfd` Bdrjup ’ rcncrs th dbhuft trmcl th ehrrhw bhfcy nrhb
Lh yhur rcid`` ghw buig wds yhur dllcl th hrmomfd` sc``mfo prmic th drrmvc mflmvmlud`s hr eusmfcsscs.
prht8 @hss8 Hr fhtgmfo dt d``8 dt d fcw sc``mfo prmic.
Bdrjup idfic``dtmhf ’ rcncrs th tgc
lcircdsc mf tgc fcw sc``mfo prmic tgdt
lhcs
sc``mfofht lcircdsc mt ec`hw tgc hrmomfd`
prmic.
Bdrjlhwf  rcncrs th tgc rcluitmhf mf tgc
hrmomfd` sc``mfo prmic.
Cxdbp`c1 \dsj1 Orhup yhursc`vcs mfth 3. Dorcc \cdigcr lmsiusscs m``ustrdtmvc
Dt W]Q Ucstdu
Ucstdurdf
rdft,
t, wgmig
wgmig sc`
sc``s
`s hf`
hf`y
y dbhfo yhursc`vcs hf ghw buig yhu cxdbp`cs hf mftcrcst rdtcs usmfo
pcppcrhfm pmzzd, tgc vdrmde`c cxpcfscs drc th sc`` tgc prhluit tgdt wm`` ec smbp`c mftcrcst.
pcr pmzzd bmogt ec1 phstcl. Cxdbp`c 1 _gdt whu`l ec tgc tgc
 E`husc ’ 9;;.;; mftcrcst Jdyc gds th pdy mn sgc
 N`hur1 [3;  [dfts ’ 95;.;;  ehrrhwcl [gp 4;,;;;
4;,;;; nhr 4 ycdr wmtg
wmtg
95
 

tgdf wgdt tgcy pdml nhr wgcf tgcy  Yghcs ’ <;;.;;

ehuogt mt. \h ihbputc nhr tgc
prht hr `hss hetdmfcl mf euymfo  Dfd`ysms1 Dfswcr tgc nh``hwmfo1
 ]cdst1 [3
dfl sc``mfo tgc mtcb, oct tgc 4. Ihbputc nhr tgc Bdrj-up
 _dtcr1 [4
lmcrcfic ectwccf tgc prmic dt 5. _gdt pcricft ms mt hn yhur ihst8
 Igccsc1 [9;; 9. _gdt pcricft ms mt hn yhur sc``mfo
wgmig tgc mtcb ms sh`l (sc``mfo prmic)
 [cppcrhfm [5;; prmic8
dfl
wds tgc prmic(ihst
ehuogt dt wgmig
hn tgctgc mtcb
mtcb) \gc
 
\htd` [33>
nhrbu`d 1 [rht/ @hss 2 Yc``mfo [rmic
Mts xcl cxpcfscs pcr bhftg bmogt ec1
- Ihst. D phsmvc vd`uc mflmidtcs
 @dehr1 [43;;;
prht, wgm`c d fcodvc vd`uc
 Ucft1 [9;,;;;
mflmidtcs `hss.
 Mfsurdfic1 [5;;;
Cxdbp`c1
 Dlvcrsmfo1 [3;;;
4. Idr
Idrbc
bcf f lhcs
lhcs euy d dfl
fl sc``.
sc``.
 S`mcs1 [<3;;
Ygc ehuogt d pcrnubc nhr
  \htd` 1 [ 3>, 3;; df mftcrcst rdtc hn >% pcr dffub 8
[G[<3;.;;. Ygc sh`l mt nhr
Yh`utmhf 1 M2[rt 2 ([gp4;,;;;)(;.;>)
([gp4;,;;;)(;.;>)
[G[>;;.;;. Ghw buig lml
sgc cdrf8 Edscl
Edsc l hf tgc thtd` vdrmde`c
vdrmde`c cxpcfsc
cxpcfscss (4) 2 [gp >;;
Yh`uhf1 pcr
pcr pmzz
pmzzd,
d, wc fhw
fhw jfhw
jfhw tg tgdt
dt W]Q
W]Q
[rht 2 Yc``mfo [rmic ’ Ihst Ucstdurdft bust prmic mts pmzzds dt [33>
[rmic hr gmogcr aust th ihvcr tghsc ihsts. Eut
2 [G[ >;;.;; ’ [G[<;;.;; mn tgc prmic hn tgc pmzzd ms [4;;;, tgcf
2 [G[5;;.;; ([rht) tg
tgcc ihft
ihftrm
rmeu
euh
hf
f bdro
bdromfmf,, hr tgtgc
c
5. D tc`
tc`cvm
cvmsmh
smhf
f sct pu
purig
rigdsc
dscll rcvcfuc bmfus tgc vdrmde`c ihst nhr W]Q
nhr [Gp3,<;;.;; wds rcsh`l Ucstdurdft, ms ([4;;; ’ [ 33> 2 [<<<).
nhr [G[<,7;;.;;. Ghw
buig wds tgc prht hr `hss E ut
ut ghw bdf y
yp
p mz
mz zzd
d l hc
hcs W] Q
mf tgc trdfsdihf8 Ucstdurdft fccls th sc`` dt [4;;; cdig
Yh`uhf1 th ihvc
ihvcrr d`
d``` tg
tghs
hsc
c xcl
xcl bh bhft
ftg`
g`y
y
cxpcfscs8
@hss 2 [G[<,7;;.;; ’
[G[3,<;;.;;
2- >;;.;; (@hss)
. msiussmfo fcw ihficpts dfl   Er
Ercd
cdj-
j-cv
cvcf
cf - d smtu smtud
dhf
hf \ry tgms!
wg
wgcr
crc
c Lmsiuss tgc ihficpts hn smbp`c
prditmimfo fcw sjm``s #4 cxpcfscs cqud`s ihst.  Df mtcb ihsts [4,;;;.;;. Dssubc df mftcrcst.
hrmomfd` sc``mfo prmic hn [4,9;;.;;. \gc Ymbp`c Mftcrcst ms tgc mftcrcst
Ercdj ’ cvcf [hmft rcncrs th tgc sd`cs sc``mfo prmic wds rdmscl th [4,<;;.;;. Mt ihbputcl edscl hf tgc prmfimpd` hfy
(mf pcshs hr mf ufmts) wgcrc tgc thtd` wds `dtcr tdoocl th sc`` dt [4,5;;.;; tgc dbhuft hn bhfcy ehrrhwcl hr
Lmvmsmhf hn [dbpdfod
99
 

d. Ghw bui
buigg ms tgc bdr
bdrj-h
j-hf8-
f8-
[9;;
_gdt pcricft hn ihst ms mt8
rcvcfuc dfl ihsts drc cqud`, tgdt ms,
rcvcfuc 9;% Hn sc``mfo prmic8
tgcrc ms fcmtgcr prht fhr `hss. mfvcstcl. Mt ms usud``y usc nhr
nhr sghrt
e. Ghw bui
buigg ms tgc dllmtmhfd`
t mhfd` tcrb `hdfs hr mfvcstbcft.
bdrjup8 [4;;
i. Ghw
Ghw bu
buigig ms
ms tg
tgcc bd
bdrj
rjup
up
idfic``dtmhf8 [5;;
Ghw buig ms tgc bdrjlhwf8 [4;;
C. msiussmfo fcw ihficpts dfl Bctghls hn Lctcrbmfmfo tgc Ercdj-
prditmimfo fcw sjm``s #5 cvcf [hmft1

\h

lctcrbmfc tgc ercdjcvcf phmft, yhu idf

usc tgc ordpgmid` bctghl, d`ocerdmi
dpprhdig, hr nhrbu`ds.

Ordpgmid` Bctghl1

Nh``hw tgcsc stcps

 Mf usmfo ordpgmid` bctghl th
lctcrbmfc tgc ercdj ’ cvcf phmft.
4. Yub up tgc xcl ihsts dfl lrdw tgc
thtd` ds d ghrmzhftd` `mfc ecomffmfo dt
tgc pcsh dbhuft hf tgc vcrid` dxms.
\gms ms tgc thtd` xcl ihst `mfc.
5. Lrdw tgc thtd` ihst `mfc (sub hn xcl
dfl vdrmde`c ihsts) stdrfo dt tgc

Lmvmsmhf hn [dbpdfod
9<

N. cvc`hpmfo bdstcry (@cdls th
Lmvmsmhf hn [dbpdfod
mftcrscihf hn tgc vcrid` dxms dfl tgc
xcl ihst ds mfircbcftd``y mfircdsmfo.
9. [`ht d`sh tgc sd`cs (rcvcfuc)
ecomffmfo dt tgc hrmomf dfl sghw mt d`sh
ds mfircbcftd``y mfircdsmfo.
<. @hidtc tgc mftcrscihf hn tgc sd`cs
(hr
\gctgc rcvcfuc)
phmft `mfc dfl ms
hn mftcrscihf tgc thtd`
tgc ihst.
ercdj ’
cvcf phmft.
D`ocerdmi Dpprhdig
\htd` rcvcfuc 2 \htd` Ihsts
\htd` Ucvcfuc 2 Sfmts Yh`l W Yc``mfo
[rmic pcr ufmt
\htd` Ihst 2 \htd` Nmxcl Ihst + \htd`
^drmde`c Ihst 2 Sfmts sh`l W ^drmde`c
Ihst pcr ufmt
Ssmfo Nhrbu`ds1
Ercdj ’ cvcf [hmft (EC[) mf Sfmts 2
\htd` Nmxcl Ihst / (Yc``mfo [rmic ’
^drmde`c Ihst)
Ercdj-cvcf [hmft (EC[) mf [cshs 2 \htd`
Nmxcl Ihst / (4-^drmde`c Ihst /Yc``mfo
[rmic)
Cxdbp`c1 \gc ihst hn prhluimfo prhluit
D ihfsmsts hn [<3 nhr `dehr, [3< nhr
bdtcrmd`s, dfl htgcr vdrmde`c ihst hn [4.
[rhluit D idf ec sh`l nhr [43; cdig.
\gc thtd` xcl ihst ms [ 43;,;;; pcr
bhftg. Lctcrbmfc ghw bdfy ufmts hn
prhluit D bust ec sh`l th ercdj ’
cvcf. _gdt ms tgc EC[ mf pcshs hn
prhluit D8
Dsj tgc stulcfts th sh`vc \cdigcr prhvmlcs m``ustrdvc Dsj tgc stulcfts tgc ihficpts hn
93

Nhrbdtmvc Dsscssbcft)
O. Nmflmfo prditmid` dpp`midtmhfs
hn ihficpts dfl sjm``s mf ldm`y
`mvmfo
G. Bdjmfo ocfcrd`mzdtmhfs dfl
destrditmhfs dehut tgc `csshf
M. Cvd`udtmfo `cdrfmfo
Lmvmsmhf hn [dbpdfod
m``ustrdtmvc cxdbp`c mfvh`vmfo prhnmt
Ydbp`c [rhe`cb1
]hu sh`l tgc edo th yhur nrmcfl nhr
[G[ 4,;;;.;; wgmig yhu ehuogt dt
[G[?3;.;;. Ihbputc yhur prhnmt.
Yh`utmhf1
[rhnmt 2 sc``mfo prmic ’ ihst prmic
[rhnmt 2 [G[4;;;.;;-[G
[G[4;;;.;;-[G[ [ ?3;.;;
[rhnmt 2 [G[ 53;.;;
Dsj tgc stulcfts th subbdrmzc tgc
`csshf1 \h ihbputc nhr tgc
prht/`hss
[rht/@hss 2 Yc``mfo [rmic ’ Ihst
prmic
[dpcr dfl pcfim` tcst/ scdtwhrj1
Yh`vc tgc prhe`cb1
Demodm` purigdscl d sumtidsc nhr
[G[4,5;;.;;. Ygc pdml [G[ 45;.;;
nhr lc`mvcry hn tgc sumtidsc nrhb tgc
sc``cr th gcr p`dic. Ygc dsjcl tgc
gc`p hn Ecrfdlcttc th sc`` tgc
sumtidsc. Ygc prhbmscl th omvc
Ecrfdlcttc [G[ 43;.;; mn
Uc`dtc ercdj-cvcf phmft th yhur `mnc.
_gdt ihu`l yhu ihfsmlcr ds yhur `mnc”s
ercdj-cvcf phmft8 _gdt rcd`mzdhf lh
yhu gdvc fhw
ercdj-cvcf dcr jfhwmfo yhur `mnc”s
phmft8
Ercdjcvcf dfd`yscs gc`p eusmfcss
hwfcr lctcrbmfc wgcf tgcy”`` ecomf th
turf d prht dfl gc`ps tgcb prmic tgcmr
prhluits wmtg tgdt mf bmfl. Mt prhvmlcs
d lyfdbmi hvcrvmcw hn tgc rc`dhfsgmps
dbhfo rcvcfucs, ihsts dfl prhts.
Ghw bdfy ufmts hn sbdrtpghfcs bust d
lcd`cr sc`` pcr ldy th ercdj cvcf mn cdig
sbdrtpghfc ms sh`l nhr [gp 44,===8 \gc
ihst hn cdig sbdrtpghfc ms [gp 3,===.
\gc lcd`cr d`sh gds bhftg`y rcftd`
cxpcfsc hn [gp 93,;;; dfl bhftg`y
wdocs cxpcfsc [gp 53,;;;. _gdt
sghu`l ec tgc ercdj-cvcf phmft mf
pcshs8
smbp`c mftcrcst.
Cxdbp`c Fh. 5
cxdbp`cs nhr stulcfts th sh`vc th _gdt ms tgc thtd` dbhuft tgdt D wm``
hetdmf bdstcry hf prhts dfl  pdy dt tgc cfl hn
hn hfc ycdr8
`hsscs
Yh`utmhf 1
Ssc tgc nhrbu`d nhr tgc bdturmty hn
hr nuturc vd`uc. \gc nhrbu`d ms N 2 [
+ M: N 2 [4;,;;; + >;; 2 [4;,>;;.
[4;,>;;.
 Dssmofbcft1 Jfhw tgc prmics hn tgc
nh``hwmfo mtcbs nrhb tgc fcdrcst sdrm ’
sdrm sthrc1
4. Ydncoudrl shdp
5. 4 j` wgmtc suodr
9. 3;;b`. I5 Dpp`c Ytulcfts omvc smtudtmhfs wgcrc
<. Jhpmjh
3. Yufsm`j Erhwf
sdigctihnncc sdigct ihficpt hn mftcrcst ms mfvh`vcl.
\gms wm`` ec `dtcr hf ihbpdrcl th tgc
prmics tdjcf ey tgc tcdigcr nrhb d
Yupcrbdrjct (wgh`csd`c) th jfhw tgc
prmic lmnncrcfics.
Dsj tgc stulcfts tgc nh``hwmfo \cdigcr dsj tgc stulcfts tgc
qucshfs1 4._gdt ms prht8 nh``hwmfo qucstmhfs1
5._gdt drc `hsscs8 9. Ghw drc 4._gdt ms smbp`c mftcrcst8
prhts/`hsscs hetdmfcl8 5.Ghw ms smbp`c mftcrcst ihbputcl8
Tumz1 [dpcr dfl pcfim` tcst/ scdtwhrj.
4. Mn d 3;o ihnncc rcnm`` pdij ihsts
[99.3; dfl d ihfvcfmcfic sthrc
dlls hf mfmtmd` bdrjup (hr bdrjhf)
hn [?.3; nhr d`` mtcbs mt sc``s, wgdt
ms tgc sc``mfo prmic nhr tgc ihnncc
rcnm`` pdij8
Yh`utmhf1
9>
 

Ecrfdlcttc ihu`l sc`` tgc sumtidsc Yc``mfo [rmic 2 Ihst + Mfmtd`

nhr [G[ 5,;;;.;;. Ecrfdlcttc wds
de`c th sc`` tgc sumtidsc nhr [G[
4,=;;.;; th wgmig Demodm` dorccl.
Ghw buig prhnmt lml Demodm` oct8
Yh`utmhf1
\htd` Ihst 2 Ihst + Htgcr Cxpcfscs
2 [G[4,5;;.;; + ( [G[45;.;; +
[G[43;.;;)
2[G[ 4,<?;.;;
[rhnmt 2 Yc``mfo [rmic ’ Ihst [rmic
[rhnmt 2 [G[ 4,=;;.;; ’
[G[4,<?;.;;
2 [G[ <9;.;;
Yh`uhf1
\htd` Cxpcfscs2\NI-\^I
>;,;;;293,;;;+53,;;;
\htd` [rht2 44,===-3,;;;
2>,;;;
Ercdj cvcf [hmft ms d phmft wgcrc tgcrc
ms fh prht dfl fh `hss,tgcrcnhrc,
\htd` [rht pcr ufmtW2thtd` cxpcfscs
>,;;;x2>;,;;;
W24; ms tgc fubecr hn ufmts tgdt bust
ec sh`l mf hrlcr th gdvc d ercdj-cvcf.
Bdrjup
2 [99.3; + [?.3; 2
[<4.;;
5. Mn d 9;;b@ ehtt`c hn shyd bm`j ms
sh`l nhr [93.;; wmtg d bdrjhf hn
[=.?3, wgdt ms tgc ihst hn tgc shyd
bm`j8
Yh`utmhf1
Ihst 2 Yc``mfo prmic ’ Mfmtmd`
Bdrjup
  2 [93.;; ’ [=.?3 2 [53.53
[53.53
9. Mn d nurfmturc lcd`cr pdys
[9,><<.4; nhr d jmtigcf idemfct dfl

sc``s mtmsnhr
wgdt tgcdrdtc
bdrjhf hn [4,933.=;,
hn bdrjhf edscl hf
ihst8

Yh`utmhf1
Udtc hn Bdrjhf 2 Bdrjhf / Ihst
  2 [4,933.=; /
[9,><<.4;
  2 ;.9?54 hr 9?.54%

<. Mn tgc lcsmrcl rdtc hn bdrjhf

 edscl hf ihst nhr
nhr d pdmr hn acdfs ms
44;%, wgdt wm`` ec tgc sc``mfo
 prmics hn tgc pdmr
pdmr hn acdfs wgmig
ihsts [<=;8

Yh`utmhf Yc``mfo [rmic 2 Ihst(4 +

Udtc hn Bdrjhf)
2 [<=; (4 + 4.4;)
  2 [4, ;5=

3. _gdt drc tgc bdrjup dfl tgc rdtc

Lmvmsmhf hn [dbpdfod
9?
 

hn bdrjup mn d rctdm`cr gds mfircdscl

mts sc``mfo prmic hn d idf hn
 phwlcrcl bm`j
bm`j nrhb [<<.43 th
[3?.4;8

Yh`utmhf1
Bdrjup 2 Fcw Yc``mfo [rmic ’
Hrmomfd` Yc``mfo [rmic
2 [3?.4; ’ [<<.43 2 [45.=3

Bdrjup Udtc 2 Bdrjup / Hrmomfd`

Yc``mfo [rmic
2 [45.=3 / [<<.43 2
;.5=99 hr 5=.99%
 ]hu drc d fcw`y gmrcl bdfdocr hn d
rctdm` eusmfcss. \gc hwfcr hn tgc rctdm`
 eusmfcss mfstruitcl
mfstruitcl yhu th prcscf
prcscftt yhur

 ercdj ’ cvcf dfd`ysms

]hur heacitmvcdfd
ms`ysms nhr tgc eusmfc
th lctcrbmfc eusmfcss.
ss.
tgc ercdj 
 ’ cvcf phmft mf pcshs
pcshs dfl mf ufmts nhr
cdig mtcb. Ssc BY Cxic` th bdjc d
A. Dllmtmhfd` ditmvmtmcs nhr  ercdj ’ cvcf dfd`ysms
dfd`ysms rcphrt. ]hur
dpp`midtmhf hr rcbclmdtmhf dfd`ysms sghu`l mfi`ulc tgc mfput ldtd,
tgc Cxic` nhrbu`ds uscl th ihbputc tgc
 ercdj-cvcf phmfts
phmfts , tgc sh`utmhf, dfl ttgc
gc
ordpgmid` hutput. \gc hwfcr hn tgc rctdm`
 eusmfcss wm`` cvd`udtc
cvd`udtc yhur ercdj ’
cvcf dfd`ysms rcphrt edscl hf ihftcft,
Gdvc df dlvdfic rcdlmfo dehut hrodfmzdtmhf diiurdiy hn ihbputdtmhf
ihbputdtmhfs,
s,
ercdj-cvcf phmft. dfl usc hn dpprhprmdtc tcigfh`ho
tcigfh`hoy.
y.

^. UCBDUJY
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur mfstruitmhfd` 
^M. UCN@CI\MHF supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

Lmvmsmhf hn [dbpdfod
97
 

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcbc
rcbclmd`
lmd` `csshfs wh
whrj8
rj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcr
`cdrfcrss wgh ihftmfuc th rcq
rcqumrc
umrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8

_gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO
@HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbdtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Lmvmsmhf hn [dbpdfod
9=

M. HEACI\M^CY
D. Ihftcft Ytdfldrls
E. [crnhrbdfic Ytdfldrls
I. @cdrfmfo Ihbpctcfimcs/
Heacitmvcs (_rmtc tgc @I Ihlc)
MM. IHF\CF \
MMM. @CDUFMFO UCYHSU ICY
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`
E. Htgcr @cdrfmfo Ucshurics
M^. [UHIC SUCY
D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
Lmvmsmhf hn [dbpdfod
Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <
Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs 
dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.
\gc `cdrfcrs drc de`c th lcbhfstrdtc df uflcrstdflmfo hn tgc jcy ihficpts hn euymfo dfl sc``mfo.
@cdrfcrs drc de`c th dfd`yzc dfl sh`vc prhe`cbs hf mbphrtdft ndithrs mf bdfdomfo d eusmfcss1 euymfo prhl
prhluits
uits dfl sc``mfo prhluits
\gc `cdrfcrs drc de`c th1 M``ustrdtc \gc `cdrfcrs drc de`c th1 M``ustrdtc \gc `cdrfcrs drc de`c th1 M``ustrdtc
ghw mftcrcst ms ihbputcl ghw mftcrcst ms ihbputcl ghw th hetdmf lhwf pdybcft, orhss
spcimnmid``y ds dpp`mcl th bhrtodoc, M``u
M``ust
strd
rdtc
tc tgc
tgc lm
lmnn
nncr
crcf
cftt ty
typc
pcss hn   ed`dfic, dfl iurrcft
iurrcft mfircdscl
spcimid``y ds dpp`mcl th bhrtodoc,
dbhrtmzdtmhf, dfl hf ihbbmssmhfs  ed`dfic DEBXEB44EY-MMd-49
dbhrzdhf, dfl hf
scrvmics/utm`mtmcs
scrvmics/utm`mtmcs dfl hf lcphsmts DEBXEB44EY-MMd-44
scrvmics/u`mcss dfl hf lcphsmts
scrvmics/u`mc
dfl `hdfs DEBXEB44EY-Ma-4; dfl `hdfs DEBXEB44EY-MMd-45
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
Euymfo dfl Yc``mfo
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.
Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs 
dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
Ucvmcw / Lrm`` hf smbp`c mftcrcst. \cdigcr imtcs d icrtdmf smtudhf Ucvmcw/lrm`` hf ihbbmssmhfs mf idsg
wgmig prhvmlcs df mlcd th stulcfts dfl mfstd``bcft edsms. Dsj tgc
dehut mfihbc dfl shurics hn stulcfts tgc nh``hwmfo qucshfs1\gc
mfihbc. rst th dfswcr octs cxtrd
irclmts.4._gdtt ms d ihbbmssmhf edscl
irclmts.4._gd
<;
 

hf d pcricftdoc hn sd`cs
hf`y(dfs.strdmogt ihbbmssmhf) 5._gdt
ms d ihbbmssmhf mf wgmig d
sd`cspcrshf octs gms edsmi sd`dry dfl d
pcricftdoc hn wgdtcvcr sd`cs gc
bdjcs. (dfs.sd`dry p`us ihbbmssmhf.)

9._gdt ms d ihbbmssmhf, wgmig vdrmcs

diihrlmfo th ghw buig sd`cs, ms
bdlc.(dfs.ordludtcl
bdlc.(dfs.ord ludtcl ihbbmssmhf.)
BH\M^D\MHF (Nhiusmfo Cvcft) Dsj stulcfts th prcscft tgcmr
Crmiijj rcs
rcsmof
mofcl
cl nrh
nrhb
b gms ahe hut hn  cxpcrmcfic hr cxpcrmcfics mf sc``mfo
ehrclhb dfl thhj d fcw ahe ds d sd`cs prhluits cspcimd``y hf ghw lml
rcprcscftdt
rcprc scftdtmvc.
mvc. Ec`mc
Ec`mcvmfo
vmfo tgdt gc wm`` tgcy cdrf nrhb mt.
cfahy bhrc mf tgms fcw ahe, gc lmlf”t
rcd
rcd``y
``y bmffll wgd
wgdtt gc wm`` oct. oct. \gc
nh``
nh``hw
hwmfmfoo dr
drcc tgc
tgc hphptmtmhfs
hfs gc wds wds Dsj stulcfts mn shbchfc hn tgcb gdvc
hnncrcl1
Dsj tgc stulcfts th imtc smtudtmhfs 4.Gms pdy whu`l ec tgrhuog strdmogt ogt ehuogt d shbctgmfo hf dsj
df mfstd``bcft
E. Cstde`msgmfo d purphsc nhr tgc edsms.Mnsh,lml tgc sc``cr nhr d lhwf
mfvh`vmfo mftcrcst edscl hf tgcmr ihbbmssmhf edsms.
`csshf pdybcft.([hssme`c
`cdrfmfos hf prcvmhus lmsiussmhf. 5.Gc octs d nmxcl edsc sd`dry p`us d
dfswcr1ycs,tgclhwfpdybcft
dfswcr1ycs,tgclhwf pdybcft ms
ihbbmssmhf.
9.Gc
9.Gc octs pdm pdmll tgr
tgrhuog
huog ord ordlud
ludtcl
tcl usud``y 3;% hn tgc prmic hn tgc mtcb.)
ihbbmssmhf.
<.Gc
<.Gc oc octs
ts pdpdml
ml hf ihbbihbbms mssm
smhf
hf ey
mfstd``bcft edsms.

Mn yhu
yhu wcrc
wcrc Cr
Crmi
mij,
j, wgmi
wgmigg bh
bhlc
lc hn 
ihbpcfsdtmhf whu`l yhu tdjc8
Dsj tgc stulcfts th imtc d smtudhf [rhvmlc cxdbp`cs hn mfstdfics wgcf d
wgcrc ihbbmssmhfs wcrc pcrshf rcicmvcs /omvcs lhwfpdybcft.
I. [rcscftmfo cxdbp`cs/mfstdfics mftrhluicl. ([hssme`c dfswcr1wgcf euymfo d
hn tgc fcw `csshf erdfl fcw idr, lhwfpdybcft hn 
dpprhxmbdtc`y 4;% hn tgc prmic ms
ecmfo ih``citcl nrhb tgc euycr.)
  . msiussmfo fcw ihficpts dfl Lmsiuss tgc prhe`cbs dfl sh`utmhfs Lcnmfc wgdt ihbbmssmhf ms. \cdigcr imtcs cxdbp`cs hf \gc tcdigcr lcfcs1Lhwf [dybcft
prditmimfo fcw sjm``s #4 mf ihbputmfo ihbphufl mftcrcst. ihbbmssmhfs dfl `ct stulcfts ds tgc rst pdybcft hfc omvcs wmtg
@ct tgc stulcfts lcnmfc ihbphufl  D ihbbmssmhf ms d ncc tgdt d eusmfcss dfd`yzc tgc smtudhf. \gms wm`` tgc dorccbcft tgdt hfc pdys `dtcr.
mftcrcst. pd
pdys
ys th d sd`c
sd`csp
spcr
crsh
shff (d
(docf
ocft)
t) mf d``hw stulcfts th lcfc
Lmvmsmhf hn [dbpdfod
<4
 

cxigdf
cxigdfoc oc nhr gms scr scrvmi
vmics
cs mf cmtgcr 
cmtgcr  ihbbmssmhfs.
ndim`mtdtmfo, supcrvmsmfo, hr ihbp`ctmfo d
sd`c. \gc ihbbmsssmhf smhf bd
bdyy ec edscl
hf d n`dt d t dr
drrr ddfo
focb
cbcf
cftt hr ds d
pcricftdoc hn tgc rcvcfuc ocfcrdtcl
ey d sd`cspcr
sd`cspcrshf
shf.. Mf htgcrhtgcr whrls,
whrls,
ihbbmssmhf (rcbufcrdtmhf) ms d nhrb hn 
pd
pdyb
ybcfcftt th df doc docft
ft nhr
nhr scrv
scrvmi
mics
cs
rcflcrcl.

\grcc lmnncrcft typcs hn ihbbmssmhf1

4. Ytrdmogt Ihbbmssmhf, d`sh d`sh id``cl

` cl
(rcvcfuc ihbbmssmhf) ’ d ihbbmssmhf
edscl hf d pcricftdoc hn sd`cs hf`y.
(\gms ms vcry prhnmtde`c mn yhu drc sc``mfo
gmog-tmijct mtcbs.)

Cxdbp`c 41
 Bmjc rcicmvcs 5;% ihbbmssmhf hf tgc
dpp`mdfics gc sc``s. Mn gc sc`` d \^ nhr 
[G
[G[?
[?,;
,;;;
;;,, d rcnr
cnr moocr
crdthr
dthr nh
nhrr  
[G[
[G[45,;
45,;;;,
;;, dfl d gcdtcr
gcdtcr nhr nhr [G[
43;;, ghw buig lhcslhcs Bmjc bd bdjc
jc mf
ihbbmssmhf8

Yh`utmhf1
  \htd
\htd`` sd`c
sd`css 2 [G
[G[?
[?,;;
,;;;; +
[G
[G[4
[45,
5,;;
;;;; + [G
[G[4
[4,3
,3;;
;; 2
[G[5;,3;;
  Ihbbmssmhf 2 [G[5;,3;;  5;% 2
[G[ 5;,3;;  ;.5 2 [G[<,4;;

5.Yd`dry
Yd`dry p`u p`uss Ihbb
Ihbbmssmssmhf
mhf  ’ d
ihbbms
ihbbmssmh
smhff mf wgmig
i g d sd`
sd`csp
cspcrs
crshf
hf
octs gms edsmi sd`dry dfl d pcricftdoc
hn wgdtcvcr sd`cs gc bdjcs.

Cxdbp`c 51
Lmvmsmhf hn [dbpdfod
<5
 

  Bmjc
Bmjc lci
lcimlc
mlcss th whr
whrjj nhr dfhtgcr 
dfhtgcr 
ihbpdfy tgdt wm`` pdy gmb [G[5,;;;
pcr wccj dfl 4;% ihbbmsssm smhhff hf
sd`cs dehvc [G[5;,;;; nhr tgc wccj.
Mn gc sh`l ohhl
ohhlss whr
whrtg
tg [G[
[G[5>,
5>,;;;
;;;,,
wgdt
wgdt ms gms orhss pdy (sd (sd`dr
`dryy p`u
p`uss
ihbbmssmhf)8

Yh`utmhf1
 Dbhuft hn ohhls sh`l bmfus sd`dry hn 
[G
[G[5[5;,
;,;;
;;;; 2 [G[
[G[5>5>,;
,;;;
;; ’
[G[5;,;;; 2 [G[>,;;;
  Gms ihbbmsssmhf
smhf w
wm``
m`` ec [G[>,;
[G[>,;;;;; 
4;% 2 [G[>,;;;  ;.4 2 [G[>;;
\gcrcnhrc, gms orhss pdy nhr tgc wccj ms
[G[5,;;; + [G[>;; 2 b[G[5,>;;.

9.Ord
Ordlud
ludtcl
tcl wgmig
ihbbmssmhf, Ihbb
Ihbbmssmssmhf
vdrmcsmhf  ’ thd
diihrlmfo
ghw buig sd`cs, ms bdlc.

C. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #5
N. cvc`hpmfo bdstcry (@cdls th
Nhrbdtmvc Dsscssbcft)
Lmvmsmhf hn [dbpdfod
\cdigcr lmsiusscs nurtgcr mftcrcst
dfl imtcs tgc lmnncrcfics hn smbp`c
dfl lmsihuft mftcrcst. Ymbm`dr`y, tgc
tcdigcr sghws ey ihbputdtmhf tgc
lmnncrcfic ectwccf tgc twh.
@ct stulcfts dfd`yzc tgc prhe`cbs
dfl sh`utmhfs mf ihbputmfo
ihbphufl mftcrcst. @ct tgc stulcfts
lcnmfc ihbphufl mftcrcst.
Ihbphufl mftcrcst ms ihbputcl
Cxdbp`c 91
Bmjc whrjs nhr d ihbpdfy tgdt pdys
gmb 5% hf tgc nmrst [G[ 5;,;;; sh`l,
9% hf tgc fcxt [G[ 9;,;;; sh`l dfl
3% hf d`` sd`cs ecyhfl [G[3;,;;;.
_gdt ms gms orhss pdy mn gc sc``s [G[
>;,;;;8
 
\cdigcr nurtgcr c`dehrdtc tgc
smtudhf `cdlmfo th tgc jmfls hn
ihbbmssmhfs dfl `ct tgc stulcfts
lcfc tgc lmcrcft typcs hn
ihbbmssmhf.  
 Dsj tgc `cdrfcr th nurtgcr cxp`dmf tgcmr  Dsj tgc stulcfts th cxp`dmf nurtgcr Dsj tgc stulcfts th nurtgcr cxp`dmf
uflcrst
uflc rstdfldflmfo
mfo eds
edscl
cl hf tgc omv omvcf
cf tgc lcfmhfs omvcf ey tgc tgc ihficpts hn lhwf pdybcft
pdybcft dfl
lc
lcnmnmfm
fmtmtmhf
hf hn ihbbm
ihbbmssmh
s smhff df
dfll mts
mts stulcfts nhr d eccr uflcrstdflmfo omvc tgcmr hwf rcd` `mnc cxpcrmcfics..
lmnncr
lmnncrcft
cft typc dfl `ct tgcb dfswcr 
dfswcr  dfl gc/sgc prhvmlcs m``ustrdvc ([hssme`c dfswcrs1lhwf pdybcft gds
m``ustrdtmvc cxdbp`cs `mjc 1
<9

O. Nmflmfo prditmid` dpp`midtmhfs
hn ihficpts dfl sjm``s mf ldm`y
`mvmfo
G. Bdjmfo ocfcrd`mzdtmhfs dfl
destrditmhfs dehut tgc `csshf
Lmvmsmhf hn [dbpdfod
 edscl hf tgc prmfimpd`
prmfimpd` pus tgc
diiubu`dtcl mftcrcst. \gc
ihbphufl mftcrcst nhrbu`d drc ds
nh``hws1
 
\cdigcr dsjs tgc stulcfts tgc
nh``hwmfo qucstmhfs1
4. _gdt ms ihbphufl mftcrcst8
5.Ghw lh wc ihbputc ihbphufl
mftcrcst8
\gc ihbphufl mftcrcst drc ds
nh``hws1
N 2 [(M+m)f
N 2 [(M + r/b)bt
M2N’[
_gcrc
N 2 nuturc vd`uc hr diiubu`dtcl
vd`uc
4.Audf bdjcs bhfcy ey ihbbmssmhf cxdbp`cs.
rdtcs. Gc octs 43% hn cvcryt
cvcrytgmfo
gmfo gc
sc``s.
sc``s. Mn Audf sh`l [G[5
[G[59;,;;;
9;,;;; whr
whrtg
tg
hn mtcbs tgms bhftg, wgdt ms gms sd`dry
nhr tgc bhftg8
Yh`utmhhf1
f1 sd`dr
sd`dryy 2 43% ([59;,;;;)
([59;,;;;) 2
;.43 (59;,;;;) 2 [9<,3;;
fh xcl dbhuft,mt lcpcfls hf tgc
5. Bdrj bdbdjcs [G [ G[ 45
4 5,;;; d dorccbcft hn tgc euycr dfl tgc
bhf tgtg p`us shbc bh ffccy ey sc``cr.)
ihbbms
ihbbmssmh smhff rdtc
rdtcs.
s. Gc oct octss 7% hn 
cvcrytgmfo
cvcry tgmfo gc sc``s.
s. Mn Bdrj sh`l [G[
>;,;;; whrtg hn mtcbs tgms bhftg, wgdt
ms gms sd`dry nhr tgc bhftg8
Yh`utmhf1 ihbbmssmhf 2 7% ([>;,;;;)
2 [<,7;;. Gms sd`ddry ry nhr tgc bh
bhftg
ftg 2
[45,;;; + [<,7;; 2 [4>,7;;.
[rhvmlc
wgcrcmf rcd`
tgcy`mnc
idfsicfdrmhs th stulcfts
cxpcrmcfic dfl hetdmf \cdigcr omvc d smtudhf wgcrc
stulcfts drc dehut th sc`cit wgmig
ihbbmssmhfs `mjc 1 sc``mfo Ecduty dbhfo tgc typcs ms eccr. Dsj tgc stulcfts hn sicfdrmhs wgcrc
prhluits nrhb ihbpdfy `mjc
ihficpts hn lhwf pdybcft , orhss
dvhf( strdmogt ihbbmssmhf )…
 ed`dfic dfl iurrcft
iurrcft mfircdscl ed`dfic
ed`dfic
Ihbbmssmhf nrhb d trdvc` docfiy
drc dpp`mcl.
wgcrc hfc idf oct d edsmi sd`dry p`us d
ihbbmssmhf nrhb tgc sd`cs / prhnmt
( sd`dry p`us ihbbmssmhf )
Igcijmfo nhr uflcrstdflmfo 1 \cdigcr dsj tgc stulcfts tgc nh``hwmfo
@ct tgc stulcft rcimtcs dfl cxprcss gms qucstmhfs1 4._gdt ms d lhwf pdybcft,
odmfcl jfhw`cloc tgrhuog rcimtdtmhf th orhss ed`dfic, dfl iurrcft mfircdscl
 ed`dfic8 5.Ghw th ihbputc lhwf
bdjc surc tgdt tgcy uflcrsthhl tgc
 pdybcft, orhss ed`dfic, dfl iurrcft
`csshf.
mfircdscl ed`dfic8Lhwf
ed`dfic8 Lhwf pdybcft ms
pdybcft ms d
nmrst pdybcft tgdt hfc bdjcs wgcf hfc
 euys shbctgmfo wmtg df dorccbcft th pdy
tgc rcst `dtcr. Cxdbp`c 1 Ihbpdfmcs
sc``mfo ghuscs hr ihflh ufmts `urc euycrs
 ey stdtmfo tgdt fh lhwf pdybcft ms
rcqumrcl eut hf`y d icrtdmf dbhuft hn 
rcscrvdtmhf ncc ms rcqumrcl. \gc
rcscrvdtmhf ncc pdml ms lcluitme`c wgcf tgc
<<
 

[ 2 prmfimpd`  euycr lcimlcs th prhiccl wmtg t gc

M 2 ihbphufl mftcrcst  purigdsc: htgcrwmsc, mt wm`` ec nhrncm tcl mf
m 2 r/b 2 wcmogt hn mftcrcst pcr ndvhr hn tgc ihbpdfy. Dntcr tgc
mftcrcst pcrmhl. rcscrvdtmhf ncc gds eccf pdml, tgc euycr ms
th`l th pdy tgc bhftg`y dbhrtmzdtmhf, sdy
f 2 bt 2 fubecr hn mftcrcst pcrmhls
[4;,;;; d bhftg nhr twh ycdrs wmtghut
b 2 fubecr hn ihbphuflmfo
mftcrcst. Dt tgc cfl hn twh ycdrs, tgc
 pcrmhls pcr ycdr 
t 2 tmbc hr tcrb hn mfvcstbcft (mf rcbdmfmfo ed`dfic wm`` fhw ec sueacitcl
th df mftcrcst cmtgcr tgrhuog mf-ghusc hr 
ycdrs)  edfj nmfdfimfo.
r 2 fhbmfd` rdtc hn mftcrcst (mf
 pcricft) Lcnmfmtmhf hn ehhj ed`dfic hr orhss
Cxdbp`c1  ed`dfic1
Df dbhuft hn [4;;,;;; ms mfvcstcl
nhr 5 ycdrs dt >% mftcrcst   \gms rcncrs th tgc thtd` dbhuft hn bhfcy
d edfj gds hf lcphsmt ecnhrc dlaustmfo nhr 
ihbphuflcl qudrtcr`y.
qudrtcr`y. Ms tgms d
ufi`cdrcl igcijs hr lcphsmts, ds wc`` ds
 ecttcr mfvcstbcft
mfvcstbcft ihbpdrcl th
rcscrvc rcqumrcbcfts. \gdt ms, tgc ehhj 
mfvcstmfo mt dt d smbp`c mftcrcst hn  ed`dfic ms d bcdsurc hn wgdt tgc edfj gd s
>%8
Yh`utmhf1
hf gdfl ecnhrc dllmfo hr suetrditmfo
rcou`dthry he`modtmhfs dfl mtcbs tgdt wm``
Dt ihbphufl mftcrcst1 shhf dppcdr hf mts ehhjs. \gms ms tgc tcrb
N 2 [ (M 2 r/b) f uscl ey edfjs th lcsirmec tgc dbhuft hn 
2 [4;;,;;; (M + ;.;>/<) <(5) bhfcy dvdm`de`c ecnhrc dfy dlaustbcft ms
2 [445,><=.5> bdlc nhr lcphsmts mf trdfsmt, igcijs tgdt
Dt smbp`c mftcrcst1 gdvc fht eccf i`cdrcl, dfl rcscrvc
N 2 [ (M+rt) rcqumrcbcfts dfl mftcrcst rcicmvcl nrhb
‐n`hdt nufls‒
2 [4;;,;;; ZM + ;.;>(5)R
2 [445,;;;
Cxdbp`c 41 D smbp`c idsc hn orhss
 ed`dfic rcncrs th wgdt ms rcdlm`y dvdm`de`c
nhr yhu th usc edscl hf yhur edfj 
lcphsmts. Yhbctmbcs d igcij (sdy
[G[3,;;;) tgdt gds eccf lcphsmtcl thldy
bdy fht ec wmtglrdwf tgc fcxt ldy
 ecidusc mt gds fht i`cdrcl yct . Mn yhur 
 edfjehhj iurrcft`y ihftdmfs [G[9;,;;;,
yhu bdy fht ec de`c th wmtglrdw tgc
wgh`c dbhuft yct ecidusc yhur orhss
 ed`dfic ms hf`y [G[53,;;; smfic yhur 
igcij gds fht eccf i`cdrcl yct.

Lcnmfmtmhf hn iurrcft mfircdscl ed`dfic1

Lmvmsmhf hn [dbpdfod
<3
 

  \gms bdy rcncr th tgc thtd` dbhuft yhu

M. Cvd`udtmfo `cdrfmfo
A. Dllmtmhfd` ditmvmtmcs nhr
dpp`midtmhf hr rcbclmdtmhf
sghrt hf sh`vmfo prhe`cbs
mfvh`vmfo smbp`c dfl ihbphufl
mftcrcst.
gdvc th pdy tgdt mfi`ulcs pcfd`tmcs hr 
mftcrcst mfiurrcl ey ufpdml ed`dfic nrhb d
`hdf hr pdybcft yhu drc supphscl th gdvc
bdlc eut wds fht de`c th lh sh hf tmbc.
[dpcr dfl pcfim` tcst/ scdtwhrj. Ucimtdtmhf1 T4._gdt ms lhwf
 pdybcft8T5._gdt ms orhss ed`dfic8
 pdybcft8T5._gdt ed`dfic8
[dpcr dfl pcfim` ( Tumz ) T9._gdt ms mfircdscl ed`dfic8
T<.Ghw idf wc hetdmf orhss ed`dfic
dfl mfircdscl e`dfic8

^. UCBDUJY
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur 
^M. UCN@CI\MHF mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcb
rcbclmd`
clmd` `csshfs whrj8
whrj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcrs wg
wghh ihftmfuc th rcqu
rcqumrc
mrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8

_gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl
Lmvmsmhf hn [dbpdfod
<>
 

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs 
dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.
\gc `cdrfcrs drc de`c th
lcbhfstrdtc df uflcrstdflmfo hn  \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn tgc nufldbcftd` hpcrdtmhfs hn bdtgcbdtmis ds dpp`mcl mf sd`drmcs dfl wdocs.
D. Ihftcft Ytdfldrls tgc jcy ihf ihficp
icpts
ts hn euymfo
euymfo dfl
sc``mfo.
@cdrfcrs
@cdrfcrs drc de`c th dfd`yzc
dfd`yzc dfl
sh`v
sh`vcc prhe
prhe`c
`cbs
bs hf mbph mbphrt
rtdf
dftt
\gc `cdrfcrs sgd`` ec de`c th dpp`y dpprhprmdtc hpcrdtmhf mf ihbputmfo sd`drmcs dfl wdocs.
E. [crnhrbdfic Ytdfldrls ndithr
ndithrss mf bdf
bdfdom
domfo
fo d eusmfc
eusmfcss1
ss1
euymfo
euymfo prh prhlui
luits
ts dfl sc``mf
sc``mfo
o
prhluits
\gc `cdrfcrs1
\gc `cdrfcrs drc de`c th1 M``ustrdtc
\gc `cdrfcrs ihbputc orhss dfl fct cdrfmfos
I. @cdrfmfo Ihbpctcfimcs/ ghw th hetdmf lhwf pdybcft, orhss Lcnmfc sd`dry, wdocs, mfihbc, ecfcnmts
 DEBXEB44Y_- MMl-5
Heacitmvcs (_rmtc tgc @I Ihlc)  ed`dfic, dfl iurrcft mfircdscl  DEBXEB44Y_- MMi-4
 ed`dfic DEBXEB44EY-MMd-49

MM. IHF\CF \
MMM. @CDUFMFO UCYHSU ICY
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
Euymfo dfl Yc``mfo Yd`drmcs dfl _docs
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.

5. @cdrfcr”s Bdtcrmd` pdocs

9. \cxtehhj pdocs

<. Dllmtmhfd` Bdtcrmd`s nrhb

@cdrfmfo Ucshuric phrtd`

E. Htgcr @cdrfmfo Ucshurics

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Lmvmsmhf hn [dbpdfod
<?

M^. [UHIC SUCY
D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
E. Cstde`msgmfo d purphsc nhr tgc
`csshf
I. [rcscftmfo cxdbp`cs/mfstdfics
hn tgc fcw `csshf
. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #4
Lmvmsmhf hn [dbpdfod
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs 
dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
Ucvmcw tgc ihficpt hn lhwf
pdybcft ey bcfhfmfo tgc  Dsj Ytulcfts1 Ghw buig ms tgcrc ndbm`y
lcfmhf dfl `cfo stulcfts bhftg`y mfihbc8
oucss tgc dfswcr.
Omvc m``ustrdvc cxdbp`cs hf lhwf
pdybcft, orhss ed`dfic dfl Cxp`dmf tgc mbphrtdfic hn ecmfo de`c th Cxp`dmf tgc mbphrtdfic hn ecmfo de`c th
iurrcft mfircdscl Lmsiuss tgc bcdfmfo hn sd`dry, wdocs lmstmfoumsg tgc smbm`drmtmcs dfl lmnncrcfic hn lmstmfoumsg tgc smbm`drmtmcs dfl lmnncrcfic hn
mfihbc dfl mts ecfcnmts. \h ec de`c th `ct orhss cdrfmfos dfl fct cdrfmfos. Ec de`c th orhss cdrfmfos dfl fct cdrfmfos. Ec de`c th `ct
ed`dfic.Cxdbp`cs1wgcf
ed`dfic.Cxdbp`c s1wgcf euymfo d
tgc stulcfts tgc lmnncrcfic hn sd`dry, wdocs `ct tgc stulcfts jfhw ghw tgcy idf tgc stulcfts jfhw ghw tgcy idf ihbputc tgcmr
idr, lhwfpdybcft hn 4;% hn tgc dfl mfihbc. Dfl th ec de`c th jfhw tgc ihbputc tgcmr cdrfmfos sh tgdt wgcf tgcy cdrfmfos sh tgdt wgcf tgcy oct d ahe, tgcy
prmic ms fcclcl,wgcf euymfo d ecfcnmts ecgmfl tgcb. oct d ahe, tgcy whu`l ec de`c th jfhw ghw whu`l ec de`c th jfhw ghw th ihbputc nhr
 acwc`ry dfl `droc dbhuft hn  th ihbputc nhr tgcmr sd`drmcs hr wdocs. tgcmr sd`drmcs hr wdocs.
ihbbhlmcs.)
Cxdbp`c 41 _gcf hfc purigdscs
d idr hr dfy emo mtcb fht tgrhuog
idsg eut mfstd``bcft tcrbs,  Ds d cbp`hycc, hfc idf ocfcrdtc tgcmr 
fhrbd``y, d icrtdmf lhwf pdybcft  Ds d cbp`hycc, hfc idf ocfcrdtc tgcmr 
cdrfmfos tgrhuog gdrl whrj. Gcfic, mt ms
cdrfmfos tgrhuog gdrl whrj. Gcfic, mt ms
ms rcqumrcl hn tgc euycr Lmsiuss tgc lmnncrcft ecfcnmts dfl mts mbphrtdft ghw tgc cdrfmfos drc ihbputcl
mbphrtdft ghw tgc cdrfmfos drc ihbputcl sh
Cxdbp`c 51 Ihbpdfmcs sc``mfo mflmvmlud` rdtcs. sh tgdt hfc idf jfhw ghw buig gc/sgc
tgdt hfc idf jfhw ghw buig gc/sgc cdrfcl
ghuscs hr ihflh ufmts `urc euycrs cdrfcl dfl ghw buig idf gc/sgc tdjc
dfl ghw buig idf gc/sgc tdjc ghbc.
ghbc.
ey stdfo tgdt fh lhwf pdybcft ms
rcqumrcl eut hf`y d icrtdmf dbhuft
hn rcscrvdhf ncc ms rcqumrcl
Orhss ed`dfic rcncrs th tgc thtd` Id`iu`dtmfo Orhss Cdrfmfos Id`iu`dtmfo Fct Cdrfmfos
dbhuft hn bhfcy d edfj gds hf
lcphsmt ecnhrc dlausfo nhr \gc
dt gmsthtd` dbhuft
hr gcr ahe mshnid``cl
bhfcy d pcrshf
orhss cdrfs
pdy. Orhss Orhss pdy
bdjcs ms tgcfo
pcrnhrbm fodbhuft
d ahe hn bhfcylclui
ecnhrc d pcrshf
lcluitmhfs
tmhfs..
ufi`cdrcl igcijs hr lcphsmts, ds pdy/cdrfmfos ms hfc ndithr yhu idf ihfsmlcr  Lcl
Lcluit
uitmhf
mhfss nrhb
nrhb pdy drc fhrbd`
fhrbd```yy tdxcs.
tdxcs.
wc`` ds rcscrvc wgcf yhu sc`cit d idrccr. \h id`iu`dtc
rcqumrcbcfts.Dflmfircdscl orhss pdy, yhu bu`tmp`y tgc ghur`y rdtc hn Ssud``
Ssud``yy,, yhu lh fht tdjc ghbcghbc tgc thtd`
ed`dfic rcncrs th tgc thtd` dbhuft pdy ey tgc fubecr hn ghurs whrjcl. Dt dbhuft hn orhss pdy tgdt yhu cdrf. Yubs hn 
yhu gdvc th pdy tgdt mfi`ulcs bdfy ahes, mn yhu whrj cxtrd ghurs hr hf bhfcy drc lcluitcl nrhb yhur orhss pdy nhr 
stdtuthry gh`mldys, yhu cdrf d gmogcr ghur`y tdxcs dfl htgcr purphscs. \gcsc dbhufts drc
pcfd`cs hr mftcrcst mfiurrcl ey
rdtc. Dfhtgcr wdy hn id`iu`dtmfo tgc orhss id``
id``cl
cl lclu
lcluit
itmh
mhfs
fs dfl
dfl yhur
yhur pdy
pdy dntc
dntcr 
r 
ufpdml ed`dfic nrhb d `hdf hr cdrfmfos ms ey bu`tmp`ymfo tgc pmcic rdtc ey lcluitmhfs ms id``cl fct cdrfmfos hr tdjc-ghbc
pdybcft yhu drc supphscl th gdvc tgc qudftmty prhluicl ey tgc cbp`hycc. pdy. \gc lcluitmhfs bdy
bdlc eut wds fht de`c th lh sh hf \gms ms uscl wgcf tgc cbp`hycc whrj mfi`
mfi`ul
ulc,
c, db dbhf
hfoo htgc
htgcrs
rs,, tgc
tgc nh``
nh``hw
hwmf
mfo1
o1
<7
 

nhiuscs hf tgc prhphrtmhf hn gms hr gcr 4. Cbp`hycc's

Cbp`hycc's YYY ihftrmeutmhf
eutmhf nhr prmvdtc
prmvdtc
pmcicwhrj edsms th tgc qudftmty tgdt gc hr cbp`hyccs:
sgc nmfmsgcs. 5. Cbp`
Cbp`hy
hycc
cc's
's OYMY
OYMY ihftihftrm
rmeu
eutmtmhf
hf nhr 
nhr 
ohvcrfbcft cbp`hyccs:
\gc whrl ‐hvcrtmbc‒ idf rcncr ehtg th tgc 9. [gm`Gcd`tg
[gm`Gcd`tg ihftrmeutmhf
ihftrmeutmhf nhr d`` cbp`hyccs:
cxtrd tmbc whrjcl hr tgc cxtrd bhfcy <. _mt
_mtggh
ggh`lm
`lmfo
f o tdxcs
tdxcs nhr d`` cbp cbp`hy`hyccs
ccs::
cdrfcl. Yc`n-cbp`hycl pchp`c shbctmbcs 3. Yd`dry
Yd`dry dlvdfi
dlvdfics
cs hr tcbphr
tcbphrdry
dry vd`ucsu cs
bc. igdroc d gmogcr
wccjcfls rdtc nhr whrj lhfc hf
hr gh`mldys. (>M.HSs): Sfmhf ldufcls

Fct
Fct pdy
pdy ms tgc
tgc db
dbhu
huft
ft d pcr
pcrsh
shff bd
bdjc
jcss
pcrnhrbmfo
pcrnhrbmfo tgcmr ahe dntcr lcluitmhfs
lcluitmhfs.. \gc
ocfcrd` nhrbu`d nhr fct pdy ms orhss pdy bmfus
lcluitmhfs.
Fct pdy 2 Orhss Cdrfmfos - Lcluitmhfs
C. msiussmfo fcw ihficpts dfl Cxdbp`c 4 C x d b p `c 4
prditmimfo fcw sjm``s #5 [du`”s rcou`dr rdtc hn pdy ms Mn Dffd bdjcs
bdjcs [43; df ghur dfl whrwhrjs
js 5;
[3; df ghur dfl gc whrjs ghurs lurmfo tgc wccj, tgcmr orhss pdy ms1
53 ghurs d wccj. _gdt ms gms orhss pdy8
Yh`utmhf1 [43; x 5; ghurs 2 [9,;;;.
Nhr tgc orhss cdrfmfos1
Bu`tmp`y tgc fubecr hn ghurs ey tgc ghur`y Mn Dffd pdys [7;; mf tdx dfl [53; mf vh`uftdry
rdtc th nmfl [du`”s orhss pdy1 ihftrmeutmhfs th [gm`Gcd`tg, GLBN, dfl YYY,
53 ghurs x [3;/ghur 2 [4,53;.;; tgcf1
[du`”s orhss pdy ms [4,53;.;;
[9,;;; ’ [ 7;
7;; ’ [ 53 53; 2 [4,=3;
Cxdbp`c 5  Dffd”s fct cdrfmfos ms [4,=3;
Igdr`cs” rcou`dr ghur`y rdtc hn pdy ms [93  
df ghur. Nmfl gms tmbc dfl d gd`n ghur`y C x d b p `c 51
rdtc. \gcf nmfl gms lhue`c tmbc ghur`y rdtc.. Ahy rcicmvcs d edsmi pdy hn [7,3;;.;; d bhftg
Yh`utmhf1 dfl d 4% ihbbmssmhf hf gcr sd`cs. Ygc sh`l
Gms tmbc dfl d gd`n ghur`y rdtc ms1 [>3,;;;.;; nhr tgc bhftg. Gcr lcluitmhfs drc1
[93 x 4 ² hr [93 x 4.3 2 [35.3; <% nhr YYY edscl hf gcr edsmi bhftg`y pdy1
Gms lhue`c tmbc rdtc ms1 [4;;.;; nhr [gm`Gcd`tg, [do-Memo, 5%: dfl 4;%
[93 x 5 2 $?; _mtggh`lmfo
_mtggh `lmfo \dx edscl hf orhss cdrfmfos.
cdrfmfos.
Cxdbp`c 91 Ihbputc gcr fct pdy1
\dbby ms pdml hf d pcr-pmcic edsms dt tgc Yh`utmhf1
rdtc hn [4.5; pcr pmcic. Mn sgc nmfmsgcs 9>; Ihbputc tgc orhss cdrfmfos.
pmcics d wccj, ghw buig ms gcr ttd` Orhss Cdrfmfos 2 Bhftg`y pdy + Ihbbmss
Ihbbmssmhf
mhf
cdrfmfos8 Yh`utmhf1  2 [7,3;; + 4% (>3,;;;)
[4.5; x 9>; 2 [<95.;; 2 [7,3;; + [>3;
2 [=,43;

Ihbputc tgc lcluitmhfs

Lmvmsmhf hn [dbpdfod
<=
 

YYY
YYY 2 < % x Ed Edss mi b hf hf ttgg `y p ddyy
2<% (7,3;;) 2 [9<;
[gm`Gcd`tg 2 [4;; (omvcf)
[do-Memo 2 5% x [ =, =,4 3;
3; 2 [479
_mt
_mtggh`
ggh`lmfo
l mfo \dx 2 4;% x Orhss Orhss Cdrfmf
Cdrfmfos os
2 4;% x [=,43; 2 [=43
Ihbputc nhr gcr fct pdy.

N. cvc`hpmfo bdstcry (@cdls th
Nhrbdtmvc Dsscssbcft)
 prhe`cbs.Cxdbp`c 41 D smbp`c idsc hn  cxigdfoc hn gms hr gcr scrvmics. Mt ms usud``y
 edfj lcphsmts. Yhbctmbcs d igcij (sdy
Dsj tgc stulcfts th sh`vc m``ustrdtmvc
cxdbp`c mfvh`vmfo orhss ed`dfic dfl
iurrcft mfircdscl ed`dfic dfl `cdrf th
ihbputc tgcb edscl hf tgc omvcf
orhss ed`dfic rcncrs th wgdt ms rcdlm`y
dvdm`de`c nhr yhu th usc edscl hf yhur  hr bhftg`y edsms id``cl Yd`dry hr _docs.
[G[3,;;;) tgdt gds eccf lcphsmtcl
thldy bdy fht ec wmtglrdwf tgc fcxt
ldy ecidusc mt gds fht i`cdrcl yct. Mn  uscl wgcrc tgc dbhuft hn bhfcy pdml ms
yhur edfjehhj iurrcft`y ihftdmfs
[G[9;,;;;, yhu bdy fht ec de`c th
wmtglrdw tgc wgh`c dbhuft yct
 ecidusc yhur orhss ed`dfic ms hf`y
[G[53,;;; smfic yhur igcij gds fht
 eccf i`cdrcl yct.
2Fct Cdrfmfos
[=,43; 2 Orhss Cdrfmfos
- (YYY+[gm`Gc`dtg - Lcluitmhfs
+ [do-Memo + \dx)
2 [=,43; - ([9<; + [4;; + [ 479 + [=43)
2 [=,43; - [4,397
2 [?,>45
Yd`dry _docs, mfihbc dfl ecfcnmts
\gc edsmi cbp`hycc ihbpcfsdtmhf rcncrs th
tgc rcfucrdtmhf omvcf df cbp`hycc mf
pdml hf d wccj`y, em-wccj`y, scbm-bhftg`y
Yd`dry rcncrs th df dorccl dfl nmxcl dffud`
dbhuft hn bhfcy tgc cbp`hycc rcicmvcs
rcodrl`css hn tgc ghurs whrjcl. _docs  ms
lmrcit`y lcpcflcft hf tgc dbhuft hn ghurs
whrjcl.
Mfihbc ms d erhdlcr tcrb tgdf wdocs hr
sd`dry. _docs dfl sd`drmcs drc mfihbc th
tgc pcrshfs rcicmvmfo mt. Ghwcvcr, nhr
pchp`c wgh drc fht cbp`hyccs, tgcmr mihbc
bdy fht ec mf tgc nhrb hn wdocs hr sd`drmcs.
\gcy idf gdvc ihbbmssmhf mfihbc mn tgcy
drc pdml nhr tgc ihbbmssmhf hf sd`cs tgcy
bdjc, rcftd` mfihbc mn tgcy gdvc prhpcrtmcs
tgcy rcft hut, lmvmlcfl mfihbc mn tgcy drc
sthijgh`lcrs, rhyd`tmcs mn tgcy drc dutghrs,
dfl htgcr mfihbc nhr wgdtcvcr cflcdvhr
tgcy cfodoc mf mfi`ulmfo prhnmt-bdjmfo
eusmfcsscs. @mjcwmsc, d eusmfcss nmrb's
mfihbc ms mf tgc nhrb hn prhnmts tgdt tgc
eusmfcss cdrfs.

Cbp`hycc Ecfcnmts ihvcr rcfubcrdtmhf

htgcr tgdf edsmi pdy. mt mfi`ulcs vdidtmhf
Lmvmsmhf hn [dbpdfod
3;

O. Nmflmfo prditmid` dpp`midtmhfs
hn ihficpts dfl sjm``s mf ldm`y
`mvmfo
G. Bdjmfo ocfcrd`mzdtmhfs dfl
destrditmhfs dehut tgc `csshf
Lmvmsmhf hn [dbpdfod
dfl smij `cdvcs, bclmid` dfl ghspmtd`mzdtmhf
ecfcnmts, bcd` d``hwdfic, trdfsphrtdtmhf
d``hwdfic, i`htgmfo d``hwdfic, cti., dfl
mficftmvc pdy nhr prhluitmvmty suig ds
ihbbmssmhf, hvcrrmlcs, ehfuscs, dfl prhnmt-
sgdrmfo. Nhr tgc [gm`mppmfcs, tgc nh``hwmfo
ecfcnmts drc omvcf th tgc cbp`hyccs1
-dfl/hr
Dt `cdst tgc bmfmbub wdoc pcr rcomhf
scithr:
- ^didtmhf pdy1 tgmrtccf (49) vdidtmhf ldys,
wmtg dllmtmhfd` hfc vdidtmhf ldy cvcry ycdr
stdrtmfo hf scihfl ycdr hn scrvmic dfl
ihfvcrtme`c idsg dt tgc cfl hn cdig ycdr.
Bdxmbub thtd` hn vdidtmhf `cdvc ms 47 ldys.
- Ymij @cdvc1 twc`vc (45) ldys pcr ycdr nhr
tgc nmrst twh ycdrs hn scrvmic. wmtg dllmtmhfd`
hfc smij `cdvc cvcry ycdr stdrtmfo hf
scihfl ycdr hn scrvmic. Bdxmbub thtd` smij
`cdic ms 43 ldys. D`` ufuscl `cdvc ldys drc
ihfvcrtme`c th idsg mf Lcicbecr hn cdig
ycdr,
- Gh`mldy pdy  dfl hvcrtmbc pdy nhr whrj
lurmfo gh`mldys hr rcst ldy(5;;%)
- Hvcrtmbc pdy  wgcf whrjmfo mf cxicss hn 7
ghurs.(53%)
- Ycrvmic mficftmvc `cdvc1 3 ldys hn vdidtmhf
pcr ycdr hn scrvmic (43%)
- [drcftd` `cdvc (Bdtcrfmty->; ldys,
[dtcrfmty -? ldys, dfl sh`h pdrcft `cdvcs-?
ldys)
- Htgcr `cdvcs
- 49tg bhftg
- Ycpdrdtmhf pdy (4/5 bhftg pdy pcr ycdr hn 
scrvmic)
\gc tcdigcr subbdrmzcs tgc `csshf
ey rcstdfo tgc nh``hwmfo ihficpts1
Lhwfpdybcfttgms
Lhwfpdybcft tgms rcncrs th tgc
thtd` dbhuft hn bhfcy d edfj gds
34
 

hf lcphsmt ecnhrc dlausfo nhr

ufi`cdrcl igcijs hr lcphsmts, ds
wc`` ds rcscrvc
iurrcft mfircdscl
rcqumrcbcfts.iurrcft
rcqumrcbcfts.
ed`dfic1
  \gms bdy rcncr th tgc thtd`
dbhuft yhu gdvc th pdy tgdt
mfi`ulcs pcfd`cs hr mftcrcst
mfiurrcl ey ufpdml ed`dfic nrhb d
`hdf hr pdybcft yhu drc supphscl
th gdvc bdlc eut wds fht de`c th
lh sh hf bc.

[dpcr dfl pcfim` tcst/ Mflmvmlud` ditmvmty

ditmvmty11  \gc i`ds
i`dsss wm`` gdv
gdvcc df
scdtwhrj.Yh`vc tgc nh``hwmfo
scdtwhrj.Yh`vc mflmvmlud` ditmvmty dfl wm`` dfswcr tgc nh``hwmfo
 prhe`cb1Mn M wdft
wdft th euy d idr sh`l prhe`cb.
Cspcrdfzd ms pdml hf d ldm`y edsms. Ygc ms pdml
 ey d nrmcflMhn
[53;,;;;.Eut bmfc
bmfc
lhf't nhr tgc
gdvc [945.;; d ldy p`us d ihbbmssmhf hn 4.3% hf
\gc i`dss wm`` ec gdvmfo d sghrt qumz. d` gcr sd`cs. Gcr thtd` sd`cs nhr tgc bhftg drc
M. Cvd`udtmfo `cdrfmfo bhfcy yct.Mn M wds th`l ey tgc
[97,593.;;. Ygc whrjcl nhr d thtd` hn 5< dfl d
hwfcr tgdt M sghu`l pdy d gd`n ldys. Bhftg`y lcluitmhfs drc < 4/5% hn 
lhwfpdybcftt hn dt`cdst 5;% hn tgc
lhwfpdybcf thtd
thtd`` bh
bhft
ftg`
g`yy pdy
pdy nhr
nhr YYY,
YYY, [?3.
[?3.;;
;; nhr 
nhr 
[rmic, ihbputc nhr tgc bhfcy tgdt M Bclmidrc, dfl 9% hn thtd` bhftg`y pdy nhr 
sghu`l ec prcpdrmfo s _mtggh`lmfo \dx. Sfmhf lucs cvcry bhftg ms
lhwfpdybcft. [5;.;;. Ihbputc nhr gcr fct pdy.
A. Dllmtmhfd` ditmvmtmcs nhr
dpp`midtmhf hr rcbclmdtmhf

^. UCBDUJY Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur 
^M. UCN@CI\MHF mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.
D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc
nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcb
rcbclmd`
clmd` `csshfs whrj8
whrj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcrs wg
wghh ihftmfuc th rcqu
rcqumrc
mrc
rcbclmdtmhf

Lmvmsmhf hn [dbpdfod
35
 

C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8

_gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs dfl 
cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.
D. Ihftcft Ytdfldrls \gc `cdrfcrs lcbhfstrdtc tgc nufldbcftd` hpcrdtmhfs hn bdtgcbdtmis
bdtgcbdtmis ds dpp`mcl mf sd`drmcs dfl wdocs.

E. [crnhrbdfic Ytdfldrls \gc `cdrfcrs sgd`` ec de`c th dpp`y dpprhprmdtc hpcrdtmhf mf ihbputmfo sd`drmcs dfl wdocs.
\gc `cdrfcrs sgd`` ec de`c th1 Cfubcrdtc tgc ecfcts hn d wdoc \gc `cdrfcrs sgd`` ec de`c th lcnmfc cdig hn 
I. @cdrfmfo Ihbpctcfimcs/ lmnncrcftmdtc orhss cdrfmfos/mfihbc nrhb fct Lcnmfc tgc ecfcnmts hn d wdoc cdrfcr.
cdrfcr tgc ecfcnmts omvcf th wdoc cdrfcrs.
Heacitmvcs (_rmtc tgc @I Ihlc) cdrfmfos. DEBXEB44Y_-44c-3
DEBXEB44Y_-MMc-< DEBXEB44Y_-MMc>
DEBXEB44Y_-MMl-9
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
MM. IHF\CF\ Yd`drmcs dfl _docs
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
MMM. @CDUFMFO UCYHSU ICY pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.

D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`

E. Htgcr @cdrfmfo Ucshurics

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Lmvmsmhf hn [dbpdfod
39

M^. [UHIC SUCY
D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
E. Cstde`msgmfo d purphsc nhr tgc
`csshf
Lmvmsmhf hn [dbpdfod
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb
nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs dehut
wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
Cxp`dmf tgc mbphrtdfic hn ecmfo de`c th lmstmfoumsg
tgc smbm`drmtmcs dfl lmnncrcfic hn orhss cdrfmfos dfl
fct cdrfmfos. Ec de`c th `ct tgc stulcfts jfhw ghw
tgcy idf ihbputc tgcmr cdrfmfos sh tgdt wgcf tgcy
oct d ahe, tgcy whu`l ec de`c th jfhw ghw th
ihbputc nhr tgcmr sd`drmcs hr wdocs.
 
 
Lcvc`hpbcft hn tgc @csshf1 Mf tgc prcvmhus bcctmfo, tgc stulcfts  Dsj tgc stulcfts th cfubcrdtc tgc ecfcnmts hn 
4. Dsj tgc stulcfts th lmcrcfdtc wcrc omvcf df dssmofbcft th dsj tgcmr d wdoc cdrfcr 
sd`drmcs dfl wdocs. pdrcfts wgdt typcs hn ecfcnmts tgcy oct
5. Dsj tgc stulcfts th lcfc mf tgcmr hwf nrhb tgcmr cbp`hycrs. @mst lhwf tgc
whrls tgc bcdfmfo hn ecfcts.
9. _gdt ms tgc lmcrcfic ectwccf YYY dfswcrs
dfswcrs hrhfaust
tgc dehdrl.
sdbp`c hn tgc stulcfts”
dfl OYMY8 Yhimd` Yciurmty Yystcb (YYY) - ms
tgc docfiy tgdt mbp`cbcfts d shimd`
sciurmty prhordb nhr tgc cbp`hyccs hn
tgc prmvdtc scithr hr vh`uftdry imzcfs,
wgm`c tgc Ohvcrfbcft Ycrvmic Mfsurdfic
Yystcb (OYMY) lhcs tgc sdbc nhr tgc
cbp`hyccs hn tgc ohvcrfbcft scithr.
Ehtg docfimcs gdvc tgc sdbc ohd` - th
prhvmlc cbp`hyccs wmtg ecfcts dfl
prhtcihf.
<. [gm`gcd`tg dfl [DO-MEMO8 [gm`Gcd`tg.
Cbp`hyccs wgh drc bcbecrs hn YYY drc
duthbdid``y ihvcrcl ey tgc fdhfd`
gcd`tg mfsurdfic prhordb hn tgc
[gm`mppmfcs Gcd`tg Mfsurdfic Ihrphrdhf
([gm`Gcd`tg). [do-MEMO ([dotutu`ufodf sd
Jmfdeujdsdf1 Mjdw, Edfojh, Mflustrmyd dt
Oheycrfh) hr Ghbc Lcvc`hpbcft Butud`
Nufl (GLBN) ms d prhvmlcft sdvmfos
systcb nhr prmvdtc dfl ohvcrfbcft
orhups. Mt prhvmlcs ecfcts suig ds
sdvmfos, sghrt-tcrb `hdf, dfl ghusmfo
prhordbs th mts bcbecrs. Df c`mome`c
bcbecr bdy dvdm` hn tgc ghusmfo
prhordbs.
\h lmcrcfdtc sd`dry / wdoc nrhb Cxp`dmf tgc ecfcnmts hn d wdoc cdrfcr 
ecfcts. Yd`dry rcncrs th tgc
ihbpcfsdhf pdml hf tgc edsms hn d xcl
dffud` rdtc. Mt lhcs fht lcpcfl hf tgc
ditud` fubecr hn ghurs whrjcl. Mt ms tgc
ihbpcfsdhf nhr bdfdocrmd` hr
dlbmfmstrdvc cbp`hyccs. _doc ms tgc
ihbpcfsdhf pdl mf tgc edsms hn rdtc pcr
ghur whrjcl. Mt ms id`iu`dtcl ey
bu`p`ymfo tgc fubecr hn ghurs whrjcl
ey tgc ghur`y rdtc pdy. Mt ms tgc
3<

I. [rcscftmfo
cxdbp`cs/mfstdfics hn tgc fcw
`csshf
. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #4
Lmvmsmhf hn [dbpdfod
ihbpcfsdhf nhr cbp`hyccs lhmfo
bdfud` whrj. Mn tgcy whrj bhrc tgdf <;
grs pcr wccj, tgcy drc cft`cl th
hvcrbc pdy. Ecfcnts ms dfytgmfo
rcicmvcl htgcr tgdf sd`dry hr wdocs.
 Dsj stulcfts hn tgcmr mlcd hn tgc lmnncrcfic hn Orhss d. D wdoc cdrfcr gds ecfcts tgdt Ecfcnmts hn d Yd`dry/_doc Cdrfcr  Yhbc e`uc-ih``dr
dr ahe whrjcrs cdrf wdocs
wdocs..
Cdrfmfos vs Fct Cdrfmfos Orhss Cdrfmfos drc ohvcrfbcft bdfldtcl dfl ms \gc nh``hwmfo drc cxdbp`cs hn ecfcnmts hn  Dbhfo tgcsc whrjcrs drc ndithry whrjcs,
-lcluitmhfs
rcncrs th tgc
nhrdbhuft
ecfcnmtsdfhrcbp`hycc cdrfs ecnhrc
tdxcs. Cxdbp`c1 Bcodfdfy ihfsmlcrcl fhf-tdxde`c. d4.sd`dry/wdoc cdrfcr1
Yhimd` Mfsurdfic (Cbp`hycr  adfmthrs, dfl ihfstruitmhf whrjcrs,
gds th lcimlc wgctgcr th diicpt d ahe tgdt hnncrs gcr e. Cfubcrdtc wdoc cdrfcr Ihuftcrpdrt)
df dffud` sd`dry hn [53;,;;;. Mn sgc wm`` ec pdml ecfcts1 *Yhimd` Yciurmty 5. 49tg bhftg pdy
scbmbhftg`y,wgdt wm`` ec gcr orhss scbmbhftg`y pdy Yystcb *[gm`Gcd`tg *[DO-MEMO 9. Ymij @cdvc
hr cdrfmfos8 Yh`utmhf1 Nufl *3-ldy Ycrvmic Mficfvc <. ^didtmhf @cdvc
Orhss Ycbmbhftg`y [dy hr @cdvc *Bdtcrfmty @cdvc 3. Bdtcrfmty @cdvc
Cdrfmfos 2 Dffud` Yd`dry / 5< >. Lc Bmfmbms Ecfcnmts
*[dtcrfmty @cdvc *[drcftd` @cdvc
2[53;,;;; / 5< 2 [4;,<4>.>? Fct Cdrfmfos - rcncr ?. Nrmfoc Ecfcnmts
th tgc dbhuft tgdt df cbp`hycc ditud``y rcicmvcs *4;-ldy @cdvc nhr vmibs hn Ypcimnmid``y, mf tgc [gm`mppmfcs wc gdvc
dntcr d`` tgc lcluitmhfs gdvc eccf bdlc. Mt ms tgc vmh`cfic dodmfst whbcf dfl tgc nh``hwmfo.
tdjc-ghbc pdy hn df cbp`hycc. \gc stdfldrl igm`lrcf *Ypcimd` [dml @cdvc nhr 7. [dtcrfmty @cdvc
lcluitmhfs drc tghsc bdfldtcl ey `dw hr ey tgc whbcf wgh gdvc uflcrohfc =. Ycrvmic Mficftmvc @cdvc
ohvcrfbcft suig ds tgc wmtggh`lmfo tdx: dfl Yhimd` surocry luc th oyfcih`homid` 4;. Yh`h [drcft”s @cdvc
Yciurmty Yystcbs (YYY). [gm`Gcd`tg, dfl [do-MEMO 44. ^D_I @cdvcs
lmshrlcrs *49tg Bhftg [dy
ihftrmeutmhfs. 45. @cdvcs uflcr UD =?4; (_hbcf wgh
*Ycpdrdhf [dy * Ucrcbcft [dy uflcroh surocry)
*Nrmfoc Ecfct *Lc bmfmbms 49. \dx Cxcbptmhfs (Nhr Bmfmbub _doc
ecfcts Cdrfcrs)
4<. \dx Cxcbptmhfs nhr Fhf-Bmfmbub
_doc Cdrfcrs
Ytulcfts wm`` ec orhupcl 4. Yhimd` Mfsurdfic-prmvdtc ihbpdfy dfl Sflc
Sflcrr tgc tgc [gm`
[gm`mp
mppm
pmfc
fc `d`dw,
w, wdoc
wdocss drc drc
Mn Lhlhfo bdjcs [9;; df ghur dfl whrjs <; ghurs ohvcrfbcft cbp`hyccs drc rcqumrcl ey rcfubc
rcfubcrdt rdtmhf
mhfss hr cdrfmfcdrfmfos
os nhr scrvmi
scrvmics
cs
diihrlmfo`y dfl wm``
lurmfo tgc wccj, < wccjs d bhftg tgcmr orhss pdy ms1 `dw th ihftrmeutc th tgc shimd` mfsurdfic rcflcrcl.
rcflcr cl. Cbp`hy
Cbp`hycrs crs dfl cbp`hy
cbp`hyccsccs bdy
lmsiuss/sgdrc dbhfo nufls. Cbp`hycrs drc lmitdtcl ey `dw th dorcc hf rdtc eut sghu`l fht nd`` ec`hw tgc
[9;; x <; ghurs W <2 [<7,;;; Lhlhfo's tgcbsc`vcs tgc ecfcts tgcmr pdy d phrtmhf hn tgms shimd` mfsurdfic bm
bmfm
fmbu
bub b wdoc
wdocss sct sct ey tgc tgc Ucom
Ucomhfhfd`
d`
orhss cdrfmfos ms [<7,;;; pdrcfts rcicmvc (Dssmofbcft prcbmub. Yhimd` mfsurdfic docfimcs drc1 \rmpdrtmtc
\rmpdr tmtc _docs dfl [rhluitmvmt
[rhluitmvmtyy Ehdrls
Yhimd` Yciurmty Yystcb (YYY) nhr (U\_[E) wgmig gds aurmslmitm aurmslmitmhf
hf hvcr tgc
Mn Lhlhfo pdys [5=;; mf tdx dfl [573; mf vh`uftdry
tgc ldy ecnhrc th dsj tgcmr cbp`hyccs mf tgc prmvdtc scithr, p`dic hn whrj. \gc pdy hn cbp`hyccs ms
ihftrmeutmhfs th [gm`Gcd`tg, GLBN, dfl YYY, tgcf1 pdrcfts hn tgc ecfcts tgcy Ohvcrfbcft Ycrvmic Mfsurdfic Yystcb mftcflcl th ec omvcf wgh`c th tgc cbp`hycc
oct nrhb tgcmr ihbpdfmcs.) (OYMY) nhr ohvcrfbcft cbp`hyccs, mf tgc [gm`mp
[gm`mppmf
pmfcc `cod`
`cod` tcf
tcflcr
lcr.. Yh wgm``cc
[<7,;;; ’ [5,=;; ’ [5,73; 2 [ [gm`mppmfc Gcd`tg Mfsurdfic Ihrphrdtmhf pdybcft ey igcij dfl tgrhuog duthbdtcl
Lhlhfo”s fct cdrfmfos ms [<5,53; ([GMI) bhrc ihbbhf`y jfhwf ds tc``
tc``cr
cr bd bdigigmf
mfcs
cs (D\B (D\Bs)
s) drcdrc d` d``h
`hwc
wcl,
l,
[gm`gcd`tg dfl Ghbc Lcvc`hpbcft Butud` vhuigc
vhuigcrs,rs, prhbms
prhbmsshr shryy fhtcs,
fhtcs, dfl omn omntt
Nufl (GLBN) bhrc ihbbhf`y jfhwf ds icrtmn
icrtmnmid
midtcs
tcs drc fht. fht. LclLcluit
uitmhf
mhfss nrhb
nrhb
[DO-MEMO nufls. cbp`hycc wdocs drc ocfcrd``y nrhwfcl uphf
33
 

5. 49tg bhftg pdy- tgms ms 4/45 hn tgc wmtg hf`y d ncw d``hw
d``hwclcl ey `dw mfi`ul
mfi`ulmfo
mfo
edsmi sd`dry tgdt df cbp`hycc rcicmvcl nhr  mfihbc tdx, ihftrmeutmhhfs
mfihbc fs th shimd`
shimd` wc`ndrc
wc`ndrc
d ycdr. \gms ms bdfldthry dfl sghu`l ec docfimcs suig ds YYY dfl [do-Memo, dfl
omvcf th tgc cbp`hyccs hf hr ecnhrc tgc ufmh
ufmhff lucs
lucs uflc
uflcrr tgc tgc dppr
dpprhp
hprm
rmdt
dtcc
5<tg hn Lcicbecr hn tgc ycdr. dorccbcfts.
9. Ymij @cdvc- df cbp`hycc ms omvcf B mfmb
mfmb ub
ub _doc C d rf
rf c rs
rs C xc
xcb
bpt nrh
nrh b
`cdvc wmtg pdy luc th smijfcss. \gms ms Mf ih b c \dx
usud``y 43 ldys nhr cdig ycdr hn scrvmic.  D fcw `dw pdsscl mf 5;;7 cxcbpts bmfmbub
<. ^didtmhf @cdvc- df cbp`hycc ms d`sh wd
wdoc
oc cdrfcdrfcr
crss nrhb
nrhb pdym pdymfo
f o mfih
mfihbcbc
omvcf `cdvc wmtg pdy th oh hf vdidtmhf. tdxcs.Ecidusc hn tgms, fh lcluitmhfs wm`` ec
\gms ms d`sh drhufl 4; ldys nhr cdig ycdr bdlc nrhb tgcmr pdy hf tgc edsms hn mfihbc
hn scrvmic. tdx. _ gdt ms d e h f u s8
3. Bdtcrfmty @cdvc- ecfcnmt omvcf th Ehfus  ms tgc dbhuft ordftcl nhr cbp`hycc's
prcofdft ncbd`c cbp`hyccs wgcf tgcy mflust
mflustry
ry dfl `hyd`t
`hyd`ty,
y, wgmiigg ms ocfcrd
ocfcrd``y``y
omvc emrtg. \gms ms usud``y >; id`cfldr lmsirctmhfd`. Ghwcvcr, tgcrc gdvc eccf tmbcs
ldys wmtg stdrts hf tgc ldy hn omvmfo emrtg. wgc
wgcff tgc ordft hn ehfusc ehfuscss gdvc
gdvc eccf
eccf
Nhr cbp`hyccs wgh gdvc scrvcl nhr dt ihfsmllcrcl
crcl ds `hfo stdflmfo prditmic dfl
`cdst 5 ycdrs, tgc bdtcrfmty `cdvc ms d pdml tgcrcnhrc idffht ec smbp`y wmtggc`l wmtghut d
`cdvc, eut nhr tghsc wgh gdvc scrvcl nhr idsc.
`css tgdf 5 ycdrs tgc mt ms prh-rdtcl.
>. Lc Bmfmbms Ecfcnmts- ecfcnmts hn
rc`dtmvc`y sbd`` vd`ucs prhvmlcl ey tgc
cbp`hycrs th tgc cbp`hycc hf thp hn tgc
edsmi ihbpcfsdtmhf mftcflcl nhr tgc
ocfcrd` wc`ndrc hn tgc cbp`hyccs.
Cxdbp`cs drc i`htgmfo d``hwdfic dfl rmic
d``hwdfic. Ycc.
gttp1//tdxdiitoicftcr.hro/tdx-cxcbpt-lc-
bmfmbms-ecfcnmts-th-cbp`hyccs/)
?. Nrmfoc Ecfcnmts- ihbpcfsdtmhf mf
dllmtmhf th lmrcit wdocs hr sd`drmcs suig
ds ihbpdfy idr, ghusc d``hwdfic,
bclmid` mfsurdfic, pdml gh`mldys, pcfsmhf
sigcbcs, suesmlmzcl bcd`s. Yhbc nrmfoc
ecfcnmts drc rcodrlcl pdrt hn d tdxde`c
mfihbc.
7. [dtcrfmty @cdvc- ecfcnmt omvcf th bd`c
cbp`hyccs wgcf tgcmr `cod` sphusc omvcs
emrtg. Mt ms d ?-ldy pdml `cdvc stdrtmfo hf
tgc ldy tgc sphusc odvc emrtg.
=. Ycrvmic Mficftmvc @cdvc- cvcry
cbp`hycc wgh gdvc rcflcrcl dt `cdst hfc
ycdr hn scrvmic sgd`` ec cftmt`cl th d ycdr`y
Lmvmsmhf hn [dbpdfod
3>
 3>

scrvmic mficftmvc `cdvc hn nmvc ldys wmtg

pdy.
4;. Yh`h [drcft”s @cdvc- tgc pdrcftd`
`cdvc ms df dllmtmhfd` ecfcnmt wgmig sgd``
ec nhr scvcf (?) whrjmfo ldys cvcry ycdr,
wmtg nu`` pdy ihfsmstmfo hn edsmi sd`dry dfl
bdfldthry d``hwdfics.
44. 4; ldys @cdvc nhr ^mitmbs hn ^mh`cfic
 Dodmfst _hbcf dfl tgcmr Igm`lrcf
(^D_I)- ordftcl th whbcf cbp`hyccs
wgh drc vmitmbs hn pgysmid`, scxud`,
psyigh`homid` gdrb hr sunncrmfo, hr
cihfhbmi deusc. \gc `cdvc ecfcnmt sgd``
ihvcr tgc ldys tgdt tgc whbdf cbp`hycc
gds th dttcfl th bclmid` dfl `cod`
ihficrfs. (U.D =5>5)
45. Ypcimd` @cdvc nhr _hbcf hn 5 bhftgs
wmtg nu`` pdy wgh gdvc rcflcrcl
ihftmfuhus doorcodtc cbp`hybcft
scrvmic hn > bhftgs nhr tgc `dst 45
bhftgs, nh``hwmfo surocry iduscl ey
oyfcih`homid` lmshrlcrs. (U.D =?4;)
49. \dx Cxcbptmhfs (Nhr Bmfmbub _doc
Cdrfcrs)- uflcr UD =3;<, stdtuthry
bmfmbub wdoc cdrfcrs drc cxcbptcl
nrhb mfihbc tdx dfl ihfscqucft`y nrhb
wmtggh`lmfo tdx hf ihbpcfsdtmhf.
4<. \dx Cxcbptmhfs nhr Fhf-Bmfmbub
_doc Cdrfcrs (Dffud`):
d. Edsmi [crshfd` Cxcbptmhf1 [G[3;,;;;
Fhtc: \gms ms d bdfldthry cxcbptmhf
d``hwcl th mflmvmlud` imtmzcfs mf tgc
[gm`mppmfcs rcodrl`css hn stdtus. \gms
dpp`mcs th d`` imtmzcf tdxpdycrs cfodocl mf
trdlc hr eusmfcss, prditmic hn prhncssmhfs,
dfl cbp`hyccs cdrfmfo ihbpcfsdtmhf
mfihbc.
e. Dllmtmhfd` [crshfd` Cxcbptmhf-Nhr
cdig lcpcflcft up th d bmfmbub hn <,
[G[53,;;; pcr lcpcflcft.
i. Cbp`hycc”s ihftrmeutmhf th OYMY/YYY,
[gm`gcd`tg dfl [DO-MEM

Lmvmsmhf hn [dbpdfod
 3?

C. msiussmfo fcw ihficpts dfl  Dsj `cdrfcrs th ermfo d sdbp`c pdy s`mp hn Htgcr ecfcnmts1 4.
prditmimfo fcw sjm``s #5 pdrcfts/rc`dtmvcs dfl `ct tgcb lh tgc ditud` Yh
Yhim
imd`
d` Mf
Mfsu
surd
rdfi
fic-c-pr
prmv
mvdt
dtcc ih
ihbp
bpdf
dfyy dfl
dfl
ihbputdtmhf. ohvcrfbcft cbp`hyccs drc rcqumrcl ey `dw th
ihftrm
ihftrmeutc
e utc th tgc shimd` shimd` mfsurd
mfsurdfic
fic nuf
nufls.
ls.
Cbp`hycrs drc lmitdtcl ey `dw th pdy d phrtmhf hn 
tgms shimd` mfsurdfic prcbmub. Yhimd` mfsurdfic
docfimcs drc1 Yhimd` Yciurmty Yystcb (YYY) nhr 
cbp`hyccs
cbp`h yccs mf tgc prmvdtc
prmvdtc scithr,
scithr, Ohvcrfbcft
Ohvcrfbcft
Ycrvmic Mfsurdfic Yystcb (OYMY) nhr ohvcrfbcft
cbp`hy
cbp`hyccs
ccs,, [gm``mppmf
mppmfcc Gcd`tg
Gcd`tg Mfsurd
Mfsurdfic
fic
Ihrphrdtmhf
Ihrph rdtmhf ([GMI) bhrc ihbbhf`y
ihbbhf`y jfhwf ds
[gm`gcd`tg dfl Ghbc Lcvc`hpbcft Butud` Nufl
(GLBN)
(GLBN) bhrc ihbbhf`y jfhwf ds [DO-M [DO-MEMO
EMO
nufls.
5. 49tg bhftg pdy- tgms ms 4/45 hn tgc edsmi sd`dry
tgdt df cbp`hycc rcicmvcl nhr d ycdr. \gms ms
bdfldthry dfl sghu`l ec omvcf th tgc cbp`hyccs
hf hr ecnhrc tgc 5<tg hn Lcicbecr hn tgc ycdr.
9. Ymij @cdvc- df cbp`hycc ms omvcf `cd `cdvc
vc wmtg
pdy luc th smijfcss. \gms ms usud``y 43 ldys nhr 
cdig ycdr hn scrvmic.
<. ^didtmhf @cdvc- df cbp`hycc ms d`sh omvcf
`cdvc wmtg pdy th oh hf vdidtmhf. \gms ms d`sh
drhufl
drhufl 4; ldys ldys nhr cdig ycdr hn scrvmi scrvmic.
c.
3. Bdtcrfmty @cdvc- ecfcnmt omvcf th prcofdft
prcofdft
ncbd`c cbp`hyccs wgcf tgcy omvc emrtg. \gms ms
usud``y >; id`cfldr ldys wmtg stdrts hf tgc ldy hn 
omvmfo emrtg. Nhr cbp`hyccs wgh gdvc scrvcl nhr 
dt `cdst 5 ycdrs, tgc bdtcrfmty `cdvc ms d pdml
`cdvc, eut nhr tghsc wgh gdvc scrvcl nhr `css tgdf
5 ycdrs tgc mt ms prh-rdtcl.
>. Lc Bmfmbms Ecfcnmts- ecfcnmts hn rc`dtmvc`y sbd``
vd`ucs prhvmlcl ey tgc cbp`hycrs th tgc cbp`hycc
hf thp hn tgc edsmi ihbpcfsdtmhf mftcflcl nhr tgc
ocfcrd` wc`ndrc hn tgc cbp`hyccs. Cxdbp`cs drc
i`hhtgm
tgmfo
fo d` d``h
`hwd
wdfi
ficc dfl
dfl rmiicc d` d``h
`hwd
wdfi
fic.
c.
?. Nrmfoc Ecfcnmts- ihbpcfsdtmhf mf dllmtmhf th
lmrcit wdocs hr sd`drmcs suig ds ihbpdfy idr,
ghusc
ghusc d``hwdfic
h wdfic,, bclmid
bclmid`` mfs
mfsurd
urdfic
fic,, pdml
gh`mldys,
gh`mldys, pcfsmhf hf sigcb
sigcbcs,
cs, suesmllmzcl
mzcl bcd`s
bcd`s..
Yhbc nrmfoc ecfcnmts
ecfcnmts drc rcodrlcl
rcodrlcl pdrt hn d
tdxde`c mfihbc.
7. [dt
[dtcrf
crfmty
mty @cdvc-
@cdvc- ecfcnm
ecfcnmt omvcf
omvcf th bd`c
cbp`hyccs wgcf tgcmr `cod` sphusc omvcs emrtg. Mt
ms d ?-ldy pdml `cdvc stdrtmfo hf tgc ldy tgc
sphusc odvc emrtg.
=. Ycrvmic Mficftmvc @cdvc- cvcry cbp`hycc wgh
gdvc rcflcrcl dt `cdst hfc ycdr hn scrvmic sgd``
Lmvmsmhf hn [dbpdfod
 37

ec cftmt`cl th d ycdr`y scrvmic mficftmvc `cdvc hn 

nmvc ldys wmtg pdy.
4;. Yh`h [drcft”s @cdvc- tgc pdrcftd` `cdvc ms df
dllmtmhfd` ecfcnmt wgmig sgd`` ec nhr scvcf (?)
whrjmfo ldys cvcry ycdr, wmtg nu`` pdy ihfsmstmfo
hn edsmi
edsmi sd`dry d ry dfl bdfldtbdfldthry
hry d``hwdfic
h wdfics.s.
44. 4; ldys @cdvc nhr ^mitmbs hn ^mh`cfic Dodmfst
_hbcf dfl tgcmr Igm`lrcf (^D_I)- ordftcl th
whbcff cbp`hyccs
whbc cbp`hyccs wgh drc vmitmbs hn pgysmiid`, d`,
scxud`
scxud`, psyigh
psyigh`ho `homid
mid`` gdrb
gdrb hr sunncr
sunncrmfo
mfo,, hr 
cihfhbmi deusc. \gc `cdvc ecfcnmt sgd`` ihvcr tgc
ldys tgdt tgc whbdf cbp`hycc gds th dttcfl th
bclmid
bclmid`` dfl `cod` `cod` ihficr
ihficrfs.
fs. (U.D
(U.D =5>5)
=5>5)
45. Ypcimd` @cdvc nhr _hbcf hn 5 bhftgs wmtg nu``
pdy wgh gdvc rcflcrcl ihftmfuhu ihftmfuhuss doorcodtc
doorcodtc
cbp`hybcft scrvmic hn > bhftgs nhr tgc `dst 45
bh
bhftftgs
gs,, nh nh````hw
hwmfmfoo surosurocr
cryy idus
iduscl
cl ey
oyfc
oyfcihih`h
`hom
omid`
i d` lmshrl
s hrlcr
crs.
s. (U
(U.D
.D =?4;
=?4;))
49. \dx CxcbptCxcbptmhf mhfss (Nhr
(Nhr Bmfmbu
Bmfmbubb _do_docc
Cdrfcrs)-
Cdrfc rs)- uflcr
uflcr UD =3;<, stdtuthr stdtuthryy bmfmbbubub
wdoc cdrfcrs drc cxcbptcl nrhb mfihbc tdx dfl
ihfs
ihfscq
cquc
ucft
ft`y
`y nr nrhb
hb wmtg
wmtggh
gh`l
`lmf
mfoo tdtdxx hf
ihbpcfsdtmhf.
N. cvc`hpmfo bdstcry (@cdls th Yh`vc hf tgc ehdrl1 4.Mn Cfzh cdrfs tgc Ucimtdtmhf1 _gmig dbhfo tgcsc ecfcnmts Omvc stulcfts cxdbp`cs hn ahe cvd`udtmhf mf bhrc
sdbc dbhuft hn dffud` sd`dry hn [53;,;;; eut ms ecmfo pdml em- smbp`mstmi scttmfos. Gc`p tgcb uflcrstdfl ghw mt
Nhrbdtmvc Dsscssbcft) hnncrs tgc bhst gc`p th whrjcrs.
wccj`y, ghw buig ms gms orhss em-wccj`y cdrfmfos hr pdy8 whrjs mf sbd``ccrr hrodfmzdtmh
hrodfmzdtmhfs
fs vcrsus
vcrsus `drocr 
`drocr 
Yh`utmhf1 Orhss Em-wccj`y
hrodfmzdtmhf“mf bu`tmfdtmhfd`s vcrsus fhfprhnmts.,
Cdrfmfos 2 Dffud` Yd`dry / 5>
2[53;,;;; / 5> 2[=,>43.97 5.Jcf's tmbc cti.
sghw tgdt gc gds whrjcl nhr tgcsc fubecr hn ghurs (gr)1 ?gr
(Bhfldy), ?.3gr (\ucs), >gr (_cl), dfl 7gr (Nrm). Dt d pdy rdtc hn
[55< df ghur, ghw buig wm`` ec gms orhss cdrfmfos8
Yh`utmhf1 \htd` fubecr hn Ghurs _hrjcl 2 ?+?.3+>+7 2 57.3gr
Orhss Cdrfmfos 2 Ghurs _hrjcl W Ghur`y Udtc
257.3W[55<2[>,97<<
257.3W[55<2[>,97 9.Jy`c Ucycs,
smfo`c wmtg fh lcpcflcft, rcicmvcs [54,3;; ds gms bhftg`y rcou`dr 
wdoc dfl [<,;;; ds supp`cbcftdry ihbpcfsdtmhf
ihbpcfsdtmhf nhr Aufc 5;43
hr d thtd` hn [53,3;;. Ghw buig ms tgc bhftg`y wmtggh`lmfo tdx hn
Jy`c nhr Aufc 5;438 Yh`utmhf1 \h ihbputc Jy`c's wmtggh`lmfo tdx
nhr Aufc, lhwf`hdl tgc wmtggh`lmfo tdx tde`c nhufl dt
ntp1//ntp.emr.ohv.pg/wcedlbmf4/pln/4
ntp1//ntp.emr.ohv.pg/wcedlbmf4/pln/4>;4XiXtdxXrdtcs.p
>;4XiXtdxXrdtcs.pln ln (`dst
diicsscs hf < Aufc 5;4>). Ymfic Jy`c ms smfo`c (Y) dfl gds fh
lcpcflcft, rcncr th tde`c D (\de`c nhr Cbp`hyccs wmtghut Tud`mnmcl
Lcpcflcft) uflcr tgc idtcohry "Bhftg`y". Hf tgc Y /BC rhw, `hhj
nhr tgc ihbpcfsdtmhf `cvc` hr tgc i`hscst th Jy`c's tdxde`c mfihbc
hn [54,3;;. \gc ihbpcfsdtmhf `cvc` nhr Jy`c's mfihbc ms [43,799,
wgmig omvcs tgc tdx rdtc hn [4,7?3 + 53% hvcr.
Ucou`dr _doc [54,3;; @css
Ihbpcfsdtmhf @cvc` 43,799 Cxicss
[ 3,>>? Dll Yupp`cbcftdry Ihbp <,;;; \htd`
[=,>>?
Lmvmsmhf hn [dbpdfod
 3=

\dx hf [43,799 [4,7?3 \dx hf

O. Nmflmfo prditmid` dpp`midtmhfs
hn ihficpts dfl sjm``s mf ldm`y
`mvmfo
cxicss ([=,>>? W ;.53) 5,<4>.?3 _mtggh`lmfo tdx nhr Aufc
5;43 [<,5=4.?3
Yubbdrmzc tgc `csshf. Dsj tgc stulcfts wgdt vd`ucs  Ds nuturc pdrt hn tgc [m`mppmfc whrjnhric,
tgcy idf `cdrf nrhb tgc prcscftdtmhf tgdt tgcy idf ghw lh yhu ncc` dehut tgcsc ecfcnmts8
utm`mzc wgcf tgcy ecihbc nuturc cbp`hyccs hr
eusmfcssbcf/whbcf.

G. Bdjmfo ocfcrd`mzdtmhfs dfl

destrditmhfs dehut tgc `csshf
Ucimt
Ucimtdtmhf
dtmhf11 Mf yhur hwf whrls,
whrls, lmnncr
lmnncrcftmd
cftmdtc
tc orhss
Ucimtdtmhf1 *Lcnmfc Ecfcnmts. *Cfubcrdtc
M. Cvd`udtmfo `cdrfmfo cdrfmfos dfl fct cdrfmfos.
ecfcnmts hn d wdoc cdrfcr
A. Dllmtmhfd` ditmvmtmcs nhr
dpp`midtmhf hr rcbclmdtmhf
^. UCBDUJY
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 M lcftmny wgdt gc`p yhur mfstruitmhfd` 
^M. UCN@CI\MHF supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.
D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc
nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf
I. ml tgc rcbc
rcbclmd`
lmd` `csshfs wh
whrj8
rj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf
  . Fh. hn `cdrfcr
`cdrfcrss wgh ihftmfuc th rcq
rcqumrc
umrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj

wc``8 _gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs
prmfimpd` lml gc`p
hr supcrvmshr M cfihuftcr wgmig by
bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml

M usc/lmsihvcr wgmig M wmsg th sgdrc wmtg
htgcr tcdigcrs8

Lmvmsmhf hn [dbpdfod
 >;

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO
@HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` 
M. HEACI\M^CY ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs 
dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.

D. Ihftcft Ytdfldrls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn tgc nufldbcftd` hpcrdtmhfs hn bdtgcbdtmis ds dpp`mcl mf sd`drmcs dfl wdocs.

E. [crnhrbdfic Ytdfldrls \gc `cdrfcrs sgd`` ec de`c th dpp`y dpprhprmdtc hpcrdtmhf mf ihbputmfo sd`drmcs dfl wdocs.

\g
\gcc `c
`cdr
drfc
fcrs
rs sghu
sghu`l`l ec de`c
de`c th1 th1 Mlcftmny tgc vdrmde`cs fcclcl mf tgc Ssc C-Yprcdl Ygcct mf tgc
I. @cdrfmfo Ihbpctcfimcs/ Cfubcrdtc
Cfubcrdtc tgc stdfl
stdfldrl
drl lcluit
lcluitmhfs
mhfs wmtg ihbputdtmhf hn tgc hvcrtmbc Ihbputc tgc hvcrtmbc pdy DEBXEB44Y_- ihbputdh
ihbputdhff hn sd`dry
sd`dry dfl hvcrbc
hvcrbc
DEBXEB44Y_-MMc-7 MMc-=
Heacitmvcs (_rmtc tgc @I Ihlc) tgc
tgc ihrr
ihrrcs
csph
phfl
flmf
mfoo ihbp
ihbpututdt
dtmh
mhff pdy
DEBXEB44Y_-MMc-? DEBXEB44Y_-MM-4;
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr twh.
MM. IHF\CF \ Yd`drmcs dfl _docs
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
MMM. @CDUFMFO UCYHSU ICY pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd` Bdtcrmd`s nrhb
@cdrfmfo Ucshuric phrtd`

E. Htgcr @cdrfmfo Ucshurics

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
M^. [UHIC SUCY nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs 
dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.

Lmvmsmhf hn [dbpdfod
 >4

D. Ucvmcwmfo prcvmhus `csshf hr
prcscftmfo d fcw `csshf
E. Cstde`msgmfo d purphsc nhr tgc
`csshf
 Dsj stulcfts1 _gdt drc tgc ecfcnmts hn
sd`drmcl dfl wdoc-cdrfmfo cbp`hyccs8
Cxp`dmf th stulcfts tgc mbphrtdfic hn
jfhwmfo tgc stdfldrl lcluitmhfs dfl tgcmr
ihrrcsphflmfo ihbputdtmhfs.
Cxp`dmf tgc lmnncrcft vdrmde`cs fcclcl mf
tgc ihbputdtmhf hn hvcrtmbc
\gc stulcfts wm`` ec tduogt hf ghw th dpp`y
tgc
Bdtgcbdtmid` hpcrdtmhf mf ihbputmfo
hvcrtmbc ey omvmfo tgc vdrmde`cs edscl hf
tgc Drtmi`c 7? dfl =9hn tgc @dehr Ihlc
\gc tcdigcr wm`` rcvmcw prcvmhus `csshf
dfl rc`dtc mt mf ihffcitmhf th tgc fcw thpmi
hf tgc ihbputdtmhf hn tgc hvcrtmbc pdy.
Cbp`hyccs drc hntcf rcqumrcl th whrj nhr df
cxtcflcl pcrmhl hn tmbc. \gc cbp`hycr hf
tgc htgcr gdfl bust ec wm``mfo th
ihbpcfsdtc nhr tgc cxtrd tmbc scrvcl ey
tgc cbp`hycc.
\gc tcdigcr wm`` prcscft
prcscft tgc twh
typcs hn sd`dry ihbputdhf, tgc
bdfud` ihbputdhf dfl tgrhuog BY
Cxic`. -Dsj tgc stulcfts wgdt
lh tgcy fhic dehut tgc twh
ihbputdhfs.
Cxpcitcl dfswcrs1 bdfud`
ihbputdhf dfl BY Cxic`
ihbputdmhf
Dsj "_gmig hfc ms i`cdr`y prcscftcl8"
Cxpcitcl dfswcr1 BY Cxic`

I. [rcscftmfo cxdbp`cs/mfstdfics
hn tgc fcw `csshf
  . msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #4
YYY hn prmvdtc cbp`hyccs, OYMY nrhb
ohvcrfbcft whrjcrs dfl [gm`Gcd`tg wcrc
ecfcnmts hn rcou`dr wdocnrhb
cdrfcrs
tgcmrtgdt drc
duthbdtmid``y lcluitcl sd`drmcs
ds wc`` ds tgc wmtggh`lmfo tdx.
Ytdfldrl Lcluitmhfs hn d bmfmbub wdoc
cdrfcr.
Udtc hn Ihftrmeutmhfs th YYY
 D`` cbp`hyccs hn prmvdtc cftcrprmscs drc
ihvcrcl ey tgc Yhimd` Yciurty Ycrvmic
 Drtmi`c 7? 1 [rhvmlcs tgdt whrj bdy ec \gc ihbputdtmhf nhr tgc Hvcrtmbc tmbc pdy
ecyhfl 7 ghurs d ldy prhvmlcl tgdt tgc uscs tgc edsms hn tgc dbhuft pcr ghur hn
cbp`hycc ms pdml nhr tgc hvcrtmbc whrj df tgc cbp`hyccs ds lmvmlcl nrhb
dllmtmhfd` ihbpcfsdtmhf cqumvd`cft th gms wdoc, p`us d 53% mfircbcft hfgms ldm`y
d rcou`dr
rcou`dr wdoc p`us dt `cdst 53% tgcrchn. ldy dfl 9;% lurmfo spcimd` ldys.
_hrj pcrnhrbcl ecyhfl 7? grs hf d gh`mldy
hr rcst ldy sgd`` ec dml df dllmtmhfd` Ihbputdtmhf hn hvcrtmbc pdy1
ihbpcfsdtmhf cqumvd`cft th tgc rdtc hn tgc Nhrbu`d1
nmrst 7 grs hf d gh`mldy hr rcst ldy p`us 9;% 4. Hf df hrlmfdry
f dry ldy
ldy-- Ucou`d
Ucou`dr`y
r`y \gc tcdigcr wm`` cxp`dmf tgc
tgcrchn. ghur`y rdtc + 53% hn tgc rcou`dr`y
ihbputdhf hn sd`dry dfl hvcrbc
ghur`y rdtc
 Drtmi`c =9 1 _gcrc df cbp`hycc ms bdlc hr pdy usmfo BY Cxic`.(scc ddigcl C-
pcrbmttcl th whrj hf gms /gcr sigclu`cl rcst 5. Hf Ucst
Ucst LLdy
dy df
dfll hf sspci
pcimd`
md` ldy sprcdl sgcct hf htgcr sgcct)
ldy, gc sgd`` ec pdml dllmtmhfd`  ’ Ghur`y rdtc hf rcst ldy + 9;%
ihbpcfsdtmhf hn dt `cdst 9;% hn gms/gcr ghur`y rdtc hf rcst ldy.
rcou`dr wdoc,
9. Hf rcou
rcou`dr
`dr gh`mld
gh`mldyy ’ 5;;%
5;;% hn
 Drtmi`c =<1 d. _hrj hf rcst ldy wgmig nd``s rcou`dr`y ghur`y rdtc ( ghur`y rdtc
hf spcimd` ldy sgd`` ec pdml 43;% hn hf rcou`dr gh`mldy x 49;%
rcou`dr ghur`y rdtc. E. _hrj hf d rcou`dr
gh`mldy sgd`` ec dml 5;;% hn rcou`dr`y rdtc.
\h prcscft df cxdbp`c hn rcou`dr rdtc Cxdbp`c1 (Ucou`dr Ldy) Lmsiuss tgc stcps mf tgc
ihbputdtmhf hn df cbp`hycc ds pcr ldy ihbputdtmhf hn sd`dry dfl hvcrtmbc
diihrlmfo th tgc Drt. 79 hn tgc @dehr Ihlc Orhup Ditmvmty ([rhe`cb Yh`vmfo)
Hf Hrlmfdry Ldy 1 Idrbcf ms whrjcr mf d nmrb. Ygc ms pdml d
 pdy usmfo BY Cxic` Ytcps1
Nmrst ihbputc tgc ghur`y rdtc hn tgc rcou`dr ghur`y rdtc hn [45;.;;. Hf Nrmldys, 4.Ihuft tgc fubecr hn ghurs mf d

Lmvmsmhf hn [dbpdfod
 >5

(YYY). Yc`n-cbp`hycl mflmvmlud`s idf d`sh cbp`hycc th lctcrbmfc tgc hvcrtmbc rdtc sgc stdys mf tgc hnnmic nhr df cxtrd 9grs th ldy dfl p`dic mt mf lcsmofdtcl ldy
ecihbc bcbecrs. \gc bhftg`y pcr ghur  wdmt nhr tgc supp`mcs dfl lh ehhjjccpmfo. 5.Ycpd
5.Ycpdrdt
rdtcc tgc rcou`d
rcou`drr ldys ldys dfl
ihftrmeutmhf rdtc ms 44% hn tgc bhftg`y Cxdbp`c1 9<;.;; /7 grs 2 <5.3; / gr  Ihbputc nhr tgc thtd` hvcrtmbc pdy hn
sd`dry irclmt fh cxicclmfo [4>,;;;.;; dfl <5.3; + (53% hn <5.3;)+ <5.3; + 4;.>53 2 Idrbcf nhr 9 grs.
wmtg
wmtg gh`m
gh`mlldy
dyss //ss pc
pcim
imd`
d` ldy.
ldy.
tgms ms ecmfo sgdrcl ey tgc cbp`hycr 39.453 Yh`utmhf1 9.\htd` tgc fubecr hn hvcrtmbc dfl
(?.9?%) dfl tgc cbp`hycc (9.>5%). Yc`n- \gc hvcrtmbc prcbmub ms tgcrcnhrc1 [45; + ([45;x53%) 2 [43;/H\ [dy scpdrdtc tgc rcou`dr hvcrtmbc nrhb
cbp`hycl dfl vh`uftdry bcbecrs pdy tgc <5.3; x 53% 2 4;.>53   W 9 grs H\ mf gh`m
gh`ml
ldy/s
dy/spc pciimd
md`` ldy
ldy
44% hn tgc bhftg`y sd`dry irclmt (BYI)   \htd` H\ [dy [<3;. <. Bu`tmp`y tgc fubecr hn ldys dfl
edscl hf tgc bhftg`y cdrfmfos lci`drcl dt Hf Ucst Ldy dfl Ypcimd` ldy
tgc tmbc hn rcomstrdtmhf. Nhr HN_s, tgc 49;% <5.3; 2 33.53 pcr ghur  Cxdbp`c 51 Ypcimd` Ldy
ihrrcsphflmfo rdtc mf cdig ih`ubf,
bmfmbub bhftg`y sd`dry ircdlmt ms pcoocl Ghur`y rdtc hf rcst ldy + 9;% Ghur`y rdtc rcou`dr ldy dfl wmtg
dt [3,;;;.;;. Nhr tgc fhf-whrjmfo sphusc, hf rcst ldy Em`` rcicmvcs df ghur`y rdtc hn [3; lurmfo gh`mldy/spc
gh`mldy/spcimd`
imd` ldy rdtc dfl thtd`
tgc ihftrmeutmhf wm`` ec edscl hf 3;% hn tgc 33.53 + (9;% hn 33.53) rcou`dr ldys dfl 4;; lurmfo gh`mldys. fubecr hn hvcrtmbc th tgc rdtc hn 
whrjmfo sphuscs `dst phstcl bhftg`y sd`dry 233.53 2 4>.3?3 Lurmfo tgc wccj Em`` bdlc tgc nh``hwmfo hvcrtmbc mf rcou`dr rdtc dfl wmtg
irclmt eut mf fh idsc sgd`` mt ec `hwcr tgdf 2 ?4.753 Hvcrtmbc
[4,;;;.;;. Udtc hn Bhf ’ 5
spcimd` ldy/gh`mldy rdtc.
Ihftrmeutmhfs th [gm`Gcd`tg  D`` \ucs ’ 4 3.Dll d`` tg dbhuft hf rcou`dr ldy
cbp`hyccs, wgctgcr prmvdtc cftmtmcs hr _cl ’ ; dfl
dfl hvcr
hvcrtm tmbc
bc th oct oct tgc
tgc orhs
orhsss
ohvcrfbcft cftmtmcs, drc th ec bcbecrs hn \gur ’ 9 cdrfmfo hn cdig cbp`hycc.
tgc [gm`Gcd`tg. \gms ms edsmid``y mftcflcl th Nrmldy ’ 9
ihvcr tgcb dfl tgcmr ecfcnmimcrmcs gc`p mf  Mn Nrmldy gdppcfs th ec d spcimd` gh`mldy,
tmbcs hn smijfcss. ghw buig whu`l ec Em``”s thtd` hvcrtmbc
Udtc hn Ihftrmeutmhf th OYMY pdy8
 D`` ohvcrfbcft cbp`hyccs gh`lmfo
pcrbdfcft dfl fhf-pcrbdfcft phsmtmhfs [3;+ ([3;x53%) 2 [>5.3;
drc bcbecrs hn tgc OYMY. [rcbmub Ucou`dr ldy(Bhf-\gur) x >
ihftrmeutmhfs drc edscl hf bhftg`y   [9?3.;;
ihbpcfsdtmhf.
\gcrc drc twh typcs hn mfsurdfic ihvcrdoc1 [4;; + ([4;;x9;%)2 [49;
4. Ucou`dr - rcncrs th ihbpu`sdry prcbmub Gh`mldy (Nrm) x9
pdybcfts hf `mnc mfsurdfic dfl rctmrcbcft   [9=;
ecfcnmts.
5. Cbp`hycc Ihbpcfsdtmhf Nufl - rcncrs th \htd` H\ [dy ([9?3 + [9=; 2[ ?>3)
prcbmub pdybcfts pdml ey yhur
ohvcrfbcft docfiy sh yhu oct nu``  
ihvcrdoc mf idsc hn d whrj-rc`dtcl
diimlcft. [do-Memo
Nufl I hftrmeutmhhff
\gc Ghbc Lcvc`hpbcft Butud` Nufl
(GLBN), bhrc phpu`dr`y jfhwf ds tgc [do-
Memo Nufl, wds cstde`msgcl th prhvmlc d
fdtmhfd` sdvmfos prhordb dfl dnnhrlde`c

sgc`tcr nmfdfimfo nhr tgc Nm`mpmfh whrjcrs.

Lmvmsmhf hn [dbpdfod

C. msiussmfo fcw ihficpts dfl
prditmimfo fcw sjm``s #5
Lmvmsmhf hn [dbpdfod
>9
tgc Nufl hnncrs mts bcbecrs sghrt-tcrb
`hdfs dfl diicss th ghusmfo prhordbs. Mt ms
bdfldthry nhr d`` YYY- dfl OYMY-ihvcrcl
cbp`hyccs: ufmnhrbcl bcbecrs hn tgc
 DN[, EN[, FAB[, dfl [F[: ds wc`` ds
Nm`mpmfhs cbp`hycl ey nhrcmof-edscl
cbp`hycrs.
Ghw th ihbputc tgc wmtggh`lmfo tdx hn d Cxdbp`c 1 Ehdrl whrj1
bmfmbub wdoc cdrfcr8 ]hu drc dehut th stdrt dt yhur nmrst ahe, yhur 4. _gd
_gdtt pcricf
pcricftt sghu`
sghu`ll ec ddllcllcll nhr 
_mtggh`lmfo \dx hf Ihbpcfsdtmhf  ms tgc ldm`y ihbpcfsdtmhf ms <5; pcshs d ldy..\gc H\ lurmfo rcou`dr ldys8
tdx wmtggc`l nrhb mfihbc pdybcfts th sigclu`c whrjmfo tmbc omvcf th yhu wds 5. _gd
_gdtt pcricf
pcricftt sghu`
sghu`ll ec ddllcllcll th
mflmvmlud`s drmsmfo nrhb df cbp`hycr- 4;1;; db uftm` >1;; pb. Ghw buig ms yhur hvcrtmbc lurmfo gh`mldys8
cbp`hycc rc`dtmhfsgmp. _mtggh`lmfo tdx sd`dry pcr ldy. 9. Mn tg
tgcc rcou`d
rcou`drr ghur`y
ghur`y rdtc
rdtc mmss [=;,
[=;,
tde`c ms d`sh dvdm`de`c nrhb EMU dfl mf tgc ghw buig whu`l ec tgc H\ pdy
Mftcrfct. Ghw th Ihbputc ]hu nhr 3 grs.8
[gm`mppmfc EMU _mtggh`lmfo \dx
\h ec de`c th ihbputc yhur EMU  Dfswcr1
_mtggh`lmfo \dx nhr tgc bhftg, tgc nh``hwmfo 4. 53%
mfhrbdtmhf drc fcclcl. 5. 5. 9;%
4. ]hur EMU \dx Ytdtus (Ymfo`c/Bdrrmcl) 9. [3>5.3;
5. Lh yhu gdvc dfy lcpcflcfts dfl ghw
bdfy8
9. Ghw buig ms yhur YYY/[gm`Gcd`tg dfl
[do-memo ihftrmeutmhfs8
<. D``hwdfics dfl htgcr ecfcnmts (mn dfy)
3. Ihpy hn tgc `dtcst EMU _mtggh`lmfo \dx
\de`c @ct us dssubc tgc nh``hwmfo1
4. Edsmi Yd`dry1 [43,;;;.;;
5. Ytdtus1 Ymfo`c(fh lcpcflcfts)
9. Hvcrtmbc [dy1 [5,3;;
<. @dtc/Sflcrtmbc Lcluitmhf1 [3;;.;;
3. YYY Ihftrmeutmhf1 [3;;.;;
>. [gm`Gcd`tg Ihftrmeutmhf1 [53;.;;
?. [do-Memo Ihftrmeutmhf1 [4;;.;;
\h oct yhur tdxde`c mfihbc, dll tgc
nh``hwmfo1 edsmi sd`dr dfl hvcrtmbc pdy tgcf
lcluit tgc `dtc/uflcrtmbc lcluitmhf, YYY,
[gm`Gcd`tg, dfl [do-Memo Ihftrmeutmhfs.
]hur tdxde`c mfihbc nhr tgc bhftg ms
[4>,43;. ]hur tdx wm`` ec ihbputcl edscl
hf yhur tdxde`c mfihbc. \gc tdx idf ec
ihbputcl wmtg tgc gc`p hn tgc EMU
_mtggh`lmfo \dx \de`c. Ssmfo tgc EMU
 ><

_mtggh`lmfo \dx \de`c, `hhj nhr tgc fcdrrcst

N. cvc`hpmfo bdstcry (@cdls th
Nhrbdtmvc Dsscssbcft)
O. Nmflmfo prditmid` dpp`midtmhfs
dbhuft th yhur tdxde`c mfihbc wgmig ms
[4>,43;. Mf
tgms idsc, tgc fcdrcst vd`uc ms tgc [43,799.
\djc fhtc hn tgc tdx rdtcs hf tgc tde`c.
\gcf, wc oct tgc tgrcc mbphrtdft ndithrs mf
ihbputmfo yhur EMU _mtggh`lmfo \dx \de`c1
[43,799, [4,7?3, dfl `dst`y +53% hvcr.
\gc tdx ihbputdtmhf wm` ec1
[4>,43;.;; (\dxde`c Mfihbc) - [43,799
(\dx Edsc) 2 [94?.;;
[94?.;; x 53% - [?=.53
[?=.53 X [4,7?3 2 [4,=3<.53 ms yhu EMU
_mtggh`lfo \dx nhr tgc bhftg
\gc tcdigcr wm`` sghw pmiturcs hn tgc EMU”s Omvc tgc stulcfts cfrmigbcft ditmvmty. Cvcry whrjcr ms whrtgy hn gms sgdrc hn aust Orhup Ditmvmty1
_mtggh`lmfo \dx Id`iu`dthr. [crnhrb
[crnhrb d rh`c p`dymfo
p`dymfo ey sghwmffoo hf ghw ihbpcfsdtmhf. Bdtcrmd`s1 L\U dfl
Cxp`dmf tgdt tgc dpp`midtmhf ms smbp`y df th dpp`y tgc rcou`dr whrjmfo ghurs hn df
duthbdtcl ihbputdtmhf hn tgc wmtggh`lmfo cbp`hycc mf d eusmfcss wmtg hvcrtmbc.
Ihbput
Ihb putcr/
cr/@dp
@dpthp
thp Mfstru
Mfstruitm
itmhf1
hf1
tdx luc edscl hf`y hf tgc mfnhrbdtmhf Ihbput
Ihb putcc tgc 3 ldys
ldys sd`
sd`dry
dry dfl
cftcrcl mfth ey tgc uscr mf tgc dpp`mide`c hvcr
hvcrtm
tmbc
bc hn nmvcnmvc cbp`
cbp`hy
hycc
ccss hn 
ehxcs. DEB Cftcrprmsc.
Cxdbp`c1 D pue`mi sighh` Bdstcr \cdigcr
MM, bdrrmcl dfl gds tgrcc lcpcflcfts gds d
edsmi pdy hn [9=, 434.;; Ihbputc nhr tgc
wmtggh`lmfo tdx hn tgc tcdigcr bdfud``y dfl
wmtg tgc usc hn EMU”s wmtggh`lmfo tdx
id`iu`dthr.
_gy sghu`l wc pdy tdx th ohvcrfbcft8 [rcscfts bhrc cxp`dfdtmhf dehut tgc _c bust ihfsmlcr tgc ghur`y rdtc pcr ldy th @ct tgcb sgdrc tgc cxpcrmcfic hn ecmfo pdyrh``
_gdt ms mts mbphrtdfic8 rcou`dr whrjmfo ghurs hn df cbp`hycc ihbputc nhr tgc hvcrtmbc pdy. stdnn mf df hrodfmzdtmhf ey usmfo tgc C-sprcdl

hn ihficpts dfl sjm``s mf ldm`y

`mvmfo  Dfl dsj tgc `cdrfcrs th subbdrmzc tgc
`csshf. sgcct
sgcct mf tgc ihbput
hvcrtmbc. ihbputdtm
dtmhf
hf hn sd`dry
d ry dfl

\gc i`dss wm`` ec gdvmfo d ehdrl ditmvmty hf Ey sghwmfo tgc dpprhprmdtc ihbputdtmhf hn Ycdt
Ycdtwh
whrj
rj dfl
dfl ccfrm
frmigbc
i gbcft
ft ditm
ditmvm
vmtmtmcs
cs Dsj1
Dsj1 _g
_gdtdt ms tgc
tgc mbp
mbphr
hrtd
tdfi
ficc hn usmf
usmfoo C-s
C-spr
prcd
cdll
G. Bdjmfo ocfcrd`mzdtmhfs dfl id`iu`dtmfo stdfldrl lcluitmhfs df hrlmfdry ldy whrjmfo wmtg df 7 grs d ldy sgcct mf ihbputdtmhf hn sd`dry dfl hvcrtmbc8
destrditmhfs dehut tgc `csshf p`us hvcrtmbc

[rhvmlc tgc stulcfts wmtg d orhup whrj dfl

d sghrt qumz. Tumz1 Omvcf tgc L\U hn tgc Cbp`hyccs hn ODY
M. Cvd`udtmfo `cdrfmfo Ucftd` Ycrvmics,
Ycrvmics, ihbputc tgc orhss pdy hn 
cdig nhr tgc pcrmhl hn Bdy4>-94, 5;4?.

A. Dllmtmhfd` ditmvmtmcs nhr

Lmvmsmhf hn [dbpdfod
 >3

dpp`midtmhf hr rcbclmdtmhf

^. UCBDUJY
Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur 
^M. UCN@CI\MHF mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcb
rcbclmd`
clmd` `csshfs whrj8
whrj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcrs wg
wghh ihftmfuc th rcqu
rcqumrc
mrc
rcbclmdtmhf
C. _gmig hn by tcdigmfo strdtcomcs whrj wc``8
_gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs
prmfimpd` lml gc`p
hr supcrvmshr M cfihuftcr wgmig by
bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s lml M

usc/lmsihvcr wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn 
fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` ditmvmtmcs bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo 
M. HEACI\M^CY Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs dfl cfde`c igm`lrcf th nmfl smofmnmidfic dfl ahy mf 
`cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.
\gc nufldbcftd` hpcrdtmhfs hn Eusmfcss ldtd prcscft tgcb mf ordpgs, igdrts, dfl tde`cs
D. Ihftcft Ytdfldrls bdtgcbdtmis ds dpp`mcl mf sd`drmcs
dfl wdocs
 Dpp`y dpprhprmdtc bdtgcbdtmid` Yh`vc prhe`cbs mf rcd` `mnc eusmfcss smtudhfs, prcscft ldtd mf ordpgmid` nhrb, dfl
E. [crnhrbdfic
hpcrdtmhf mf ihbputmfo sd`drmcs dfl dfd`yzc tgcb
Ytdfldrls wdocs
I. @cdrfmfo [rcscft ordpgmid` rcprcscftdtmhf hn Yghw sdbp`cs hn eusmfcss Ih
Ihbp
bpdr
drc
c tgc
tgc nh
nhrb
rbss Mlcfny tgc csscfd`
Ihbpctcfimcs/ tgc lctdm`s hr pdrtmiu`drs hn tgc sd`dry ldtd (tcxtu
(tcxtud`,
d`, tdeu`d
tdeu`dr,
r, dfl pdrts hn d tde`c.

Lmvmsmhf hn [dbpdfod
 >>

o rd
rdp g
gmi
mid
d `)`) hn ld td
td
Heacitmvcs (_rmtc tgc
DEBXEB44Y_MMn-49 DEBXEB44[DL-44o-4 prcscftdhf DEBXEB44[DL-MMo-9
@I Ihlc)
DEBXEB44[DL-MMo-5
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d wccj hr 
twh.
MM. IHF\CF\
Yd`d rmrmcs ddffl _
_ddoc s [rcscftdtmhf ddffl D
Dff dd``ysms hhnn E
Euusmfcss Ld
Ldtd
MMM. @CDUFMFO @mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d 
UCYHSUICY bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.

D. Ucncrcfics
4. \cdigcr”s Oumlc
pdocs
5. @cdrfcr”s Bdtcrmd`
pdocs
9. \cxtehhj pdocs
<. Dllmtmhfd`
Bdtcrmd`s nrhb
@cdrfmfo Ucshuric
phrtd`
E. Htgcr @cdrfmfo
Ucshurics
Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <
\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf 
hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c 
M^. [UHIC SUCY wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs dehut wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc 
cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
\gc tdjc ghbc pdy hn df cbp`hycc Cxp`dmf tgc mbphrtdfic hn 
D. Ucvmcwmfo prcvmhus ms gms orhss `css icrtdmf pdyrh`` eusmfcss ldtd dfl sghw
`csshf hr prcscftmfo d lcluitmhfs shbc cxdbp`cs hn
fcw `csshf
eusmfcss ldtd.
_c idf ordpgmid``y prcscft lctdm`s hn  \gc stulcfts wm`` ec Jfhwmfo tgc lmcrcft [drts hn d tde`c
d pcrshf”s orhss cdrfmfos. tduogt ghw th sh`vc typcs hn igdrt dfl tgcmr
E. Cstde`msgmfo d prhe`cbs mf rcd`-`mnc dpp`midhf mf eusmfcss
purphsc nhr tgc `csshf eusmfcss smtudhf dfl ldtd prcscftdhf
ghw th prcscft ldtd mf
ordpgmid` nhrb.
I. [rcscftmfo \gc ecst wdy sghw tgc lctdm`s hn d \cxtud` prcscftdhf hn @dec`, `cocfl, vd`ucs, x

Lmvmsmhf hn [dbpdfod
 >?

pcrshf”s cdrfmfos ms tgrhuog tgc usc Yhbcbcs, wc LD\D dfl y dxms

hn ordpgs. cfihuftcr gdvmfo th Cxdbp`c1 ]hu wcrc
prcscft ldtd th dfhtgcr dsjcl th prcscft tgc
Cx.
pcrshf dfl mt whu`l ec wccj`y sd`cs ldtd hn
buig cdsmcr th lh sh mn yhur ihbpdfy mf tgc
wc idf u`mzc lmcrcft stdsid` tcst.
thh`s suig ds igdrts,
ordpgs dfl tde`cs. \gc nh``hwmfo drc tgc
sd`cs hn yhur prhluit.
  B \ _ \G
NU
\-YGMU\- 43 5; 4; 43
4;
[DF\Y- 5; 43 4; 3
4;

Ordpgmid` Ldtd
cxdbp`cs/mfstdfics hn [rcscftdhf
tgc fcw `csshf
53
5;
43
\-YGMU
4; [DF\Y
3
;
4 5 9 < 3

\DES@DU LD\D

LD] \- [DF\ YD
YGMU\ Y @C
Y
B 43 5; WW

\ 5; 43 WW

Lmvmsmhf hn [dbpdfod
 >7

_ 4; 4; WW

\ 43 3 WW

N 4; 4; WW

  . msiussmfo fcw Ytcps th prcscft d pcrshf”s sd`dry \h prcscft tgc wdys hn _gdt ms tcxtud` ldtd8 Ms [drts hn d \de`c

ihficpts dfl ordpgmid``y1
prditmimfo fcw sjm``s #4 4. Ihbputc nhr tgc pcricftdoc hn
lcluitmhfs.
5. Ihbputc nhr tgc pcricftdoc hn tgc
fct pdy.
9. Ihbpdrc tgc pcricftdoc hn
lcluitmhfs dfl fct pdy wmtg tgc
orhss cdrfmfos rcprcscftmfo 4;;%.
<. [`ht usmfo d [mc Igdrt.
sghwmfo sdbp`cs hn tgc prcscftdhf hn ldtd
eusmfcss ldtd, hfc bust mf d nhrb hn tcxt, pgrdscs
jfhw tgc edsmi ordpgs, hr pdrdordpgs.- ihbbhf
igdrts, dfl tde`cs. dbhfo fcws pdpcr,
rcphrts lcpmifo
\ypcs hn Igdrts hr spcimid``y tgc sd`mcft hr
Ordpgs mbphrtdft flmfos
Cx. [gm`mppmfc sthij
cxigdfoc
\de`cs drc cdsm`y
ihfstruitcl usmfo tgc
_hrl prhicsshr”s tde`c
nufihf hr d sprcdlsgcct
prhordb `mjc Cxic`. Mt gds
lmsfit pdrts1

_gdt ms ordpgmid` ldtd8

Ldtd wgmig drc
prcscftcl mf d nhrb hn
`mfcs hr iurvc lrdwf
dirhss ihhrlmfdtc.

4. @mfc igdrt/ordpg ’
igdrt/ordpg ’ _gdt ms \deu`dr Ldtd8
sghws mfnhrbdhf Ldtd wgmig drc rc`dfo
tgdt ms ihffcitcl mf th, hr drrdfocl mf d tde`c

shbc wdy. Mt p`hts tgc hr systcbdi

vd`uc hn tgc vdrmde`c drrdfocbcft ey ih`ubfs
dfl tgcf ihffcits tgc rhw, cti.
lhts mf hrlcr th omvc
df mlcd hn tgc Cx.
rc`dhfsgmp hn LD \- [DF\ YD@C
ihfsciuvc phmfts. ] YGMU Y Y
@mfc igdrts mbp`y \
ihffuhus igdfoc. B 43 5; WW
\gcrcnhrc, `mfc igdrts \ 5; 43 WW

drc ocfcrd``y uscl th _ 4; 4; WW

Lmvmsmhf hn [dbpdfod
 >=

sghw trcfls. \ 43 3 WW
5. Edr igdrt/ordpg ’
igdrt/ordpg ’ N 4; 4; WW
sghws ldtd mf tcrbs hn 
rcitdfo`cs, wgmig drc
id``cl edrs, gcfic edr
ordpg. D edr ordpg ms
ihbphscl hn lmsirctc
edrs tgdt rcprcscft
lmcrcft idtcohrmcs hn
ldtd. \gc `cfotg hr
gcmogt hn tgc edr ms
cqud` th tgc qudfty
wmtgmf tgc idtcohry hn
ldtd. \gc `cfotg hr
gcmogt hn tgc edr ms
cqud` th tgc qudfty
wmtgmf tgdt idtcohry hn 
ldtd. Edr ordpgs gdvc
idtcohrmcs d`hfo tgc
vcrid` dxms dfl vd`ucs
d`hfo tgc ghrmzhftd`
dxms. Edr ordpgs drc
ecst uscl th ihbpdrc
vd`ucs dirhss
idtcohrmcs.
9. [mc Igdrt/ Imri`c
ordpg ’ imriu`dr igdrt
ms uscl th ihbpdrc
pdrts hn tgc wgh`c. Mt
ms lmvmlcl mfth scihfs
rcprcscffo icrtdmf
qudfcs.
C. msiussmfo fcw Cxdbp`c 1 \gc nh``hwmfo ms tgc Cxdbp`c
Cxdb p`c 1 4. \mt`c ’ tgc bdmf
ihficpts dfl subbdry hn Ahcfm`d”s cdrfmfos nhr gcdlmfo wrmcf mf
prditmimfo fcw sjm``s #5 tgc wgh`c bhftg.
idpmtd` sghwf dt tgc
Ytcp 4-9 thp hn tgc tde`c. Mt
bust cxp`dmf tgc
Lmvmsmhf hn [dbpdfod
 Lmvmsmhf hn [dbpdfod
?;

ihftcfts hn tgc tde`c

Orhss Cdrfmfos [=,43; dfl tgrhw `mogt hf
(4;;%) tgc tde`c ds wgh`c.
  YYY [9<;
(<%) Lmcrcft pdrts hn tgc
  [gm`Gcd`tg [4;; gcdlmfo idf ec
(4%) scpdrdtcl ey
  [domemo [479 ihbbds.
(5%) 5. \gc Ehx Gcdl
Gcdl dfl
dfl
  \dx [ =43
Ih`ubf Idphfs ’
(4;%)
Fct Cdrfmfos [?,>45 tgc vcrid` gcdlmfo
(79%) dfl suegcdlmfo hn
tgc ih`ubf drc id``cl
[`ht usmfo d [mc Igdrt. ih`ubf idphfs. \gc
spdics wgcrc tgcsc
ih`ubf gcdlmfos drc
wrmcf drc id``cl tgc
ehx gcdl. Hf`y tgc
rst `ccr hn tgc ehx
gcdl ms mf idpmtd`
`ccr dfl tgc
rcbdmfmfo whrls
bust ec wrmcf mf
sbd`` `ccrs.
9. Ytue
Ytue dfl UUhw
hw
Idphfs ’ tgc
ghrmzhftd` gcdlmfos
dfl suegcdlmfo hn
tgc rhw drc rhw
idphfs dfl tgc
spdic wgcrc tgcsc
rhw gcdlmfos drc
wrmcf drc wrmcf ms
stue.
<. \gc Ehly
Ehly ’ ttgc
gc bdmf
bdmf
pdrt hn tgc tde`c
wgmig ihftdmfs tgc
fubcrmid`
 Lmvmsmhf hn [dbpdfod
?4

mfnhrbdhf i`dssmcl
wmtg rcspcit th rhw
dfl ih`ubf idphfs
ms id``cl tgc ehly.
3. [rcn
[rcndthr
dthryy Fhtcs ’ d
stdtcbcft omvcf
ec`hw tgc t`c dfl ms
cfi`hscl mf erdijcts
wgmig usud``y
lcsirmecs tgc ufmts hn
bcdsurcbcftt ms
bcdsurcbcf
id``cl tgc prcndthry
fhtcs.
>. Nhhtfhtcs
Nhhtfhtcs ’ dppcdr
dppcdr
mbbclmdtc`y ec`hw
tgc ehly hn tgc tde`c
prhvmlmfo nurtgcr
dllmhfd`
cxp`dfdhf.
?. Yhuric
Yhuric fht
fhtcs
cs ’ ms
omvcf dt tgc cfl hn
tgc tde`c mflmidfo
tgc shuric nrhb
wgcrc mfnhrbdhf
gds eccf tdjcf. Mt
mfi`ulcs tgc
mfnhrbdhf dehut
ihbpm`mfo docfiy,
pue`midhf, cti.

---\GC \M\@C---
---[rcndthry Fhtcs---
---Ehx Gcdl---
---Uhw ---Ih`ubf
Idphfs--- Idphfs---
 Lmvmsmhf hn [dbpdfod
?5

--- Ytue ---\gc

Cftrmcs--- Ehly---

[drts hn d Igdrt hr Ordpg

D. [drt
[drtss hn d @m
@mfc
fc
Ordpg
4. \mt`c
5. @dec`
9. Yid`c
<. [hmfts
3. @mfc
E. [drt
[drtss h
hnn d [mc
[mc
Igdrt
4. \mt`c
5. Jcy

9. Imri`c
I. [drt
[drtss hn
hn E
Edr
dr
Ordpg
4. \mt`c
5. Yid`c
9. @dec`s
4. Edr

Cxdbp`c1

N. cvc`hpmfo bdstcry Omvc tgc stulcfts cfrmigbcft Omvc tgc stulcfts Ycdt whrj dfl smbp`c
(@cdls th Nhrbdtmvc ditmvmty. cfrmigbcft divmty. ldtd dfd`ysms
Dsscssbcft)
Cx. Ahcfm`d ms tgc scirctdry th tgc
prcsmllcft
cft dfl sgc rcicmvcs d edsmi Cx. Ucqucst yhur tcdigcr
bhftg`y sd`dry hn [9;,;;;. Ygc ms th prhvmlc yhu wmtg tgc
 Lmvmsmhf hn [dbpdfod
?9

ordftcl
ordftcl d trdfsphrtdt
trdfsphrtdtmhf
mhf d``hw
d``hwdfic
dfic sihr
sihrcs
cs hf yhur
yhur `d
`dtc
tcst
st
hn [3;; pcr bhftg. Gcr lcluitmhfs cxdb. [rcpdrc d rc`dvc
dr
drcc 9.>9
9.>9% % nhrnhr YYY,
YYY, [5 [53;
3; nhr 
nhr 
nrc
nrcquc
qucfiy
fiy tde`c.
tde`c. _gdt
_gdt
[gm`Gcd`tg
[gm`G cd`tg,, [<,4>? nhr _mtggh
_mtggh`lmfo
`lmfo
tdx
tdx,, dfl 5% nhr [domemoo.. [rcscf
[rcscftt ihfi`usmhf idf yhu lrdw
Ahcfm`d”s
`d”s sd`dry ordpgmid``yy,, dntcr  nrhb tgc tde`c8
ihbputmfo
ihbpu tmfo nhr gcr orhss cdrfmf
cdrfmfos
os
dfl fct pdy nhr tgc bhftg.

Ytcp 4-9

Orhss Cdrfmfos [9;,;;;

(4;;%)
  YYY [9<;
(9.>9%)
  [gm`Gcd`tg [53;
(.79%)
  [domemo [>;;
(5%)
  \dx [<,4>?
(49.7=%)
Fct Cdrfmfos [5<,><9
(75.4<%)

<. [`ht
[`ht uusm
smfo
fo d [mc
[mc Igd
Igdrt
rt..

Yd`dry [driu`drs

YYY
[g`g`tg
[domemo
\dx

Mt”s hntcf fht wgdt ihbcs mf tgdt Yuiicss ms fht aust ohhl Ytulcfts wm`` ec de`c th
O. Nmflmfo prditmid` bdjcs hfc rmig, mt”s ey ihuftmfo tgc `uij1 mt ms d ihbemfdhf lctcrbmfc dfl mftcrprct
dpp`midtmhfs hn ihst hn wgdt ihbcs hut. @mvc wmtgmf
hn gdrl whrj, ohhl irclmt ordpg prcscftcl mf tgc
ihficpts dfl sjm``s mf yhur bcdfs.
stdflmfo, hpphrtufmty, tc`cvmsmhf ds d ldy th ldy
ldm`y `mvmfo
rcdlmfcss dfl bmfo. ldtd.
 Lmvmsmhf hn [dbpdfod
?<

Ey sghwmfo d ordpgmid` Ey sghwmfo d Ey flmfo hut ghw ldtd

G. Bdjmfo rcprcscftdtmhf hn d pcrshf”s sd`dry, prcscftdhf dfl dfd`ysms idf ec prcscftcl
hfc idf rcdlm`y cstmbdtc tgc fct
ocfcrd`mzdtmhfs dfl hn eusmfcss ldtd. \gc lmcrcft`y, stulcfts wm``
cdrfmfos dfl tgc htgcr sgdrc hn
destrditmhfs dehut tgc lcluitmhf mf tgc ordpg. stulcfts wm`` `cdrf ghw th ec dwdrc hf ghw th
`csshf prcpdrc ordpgs, igdrts, cxp`dmf eusmfcss ldtd.
dfl tde`cs.
[rhvmlc tgc stulcfts wmtg d orhup [rhvmlc tgc stulcfts wmtg Ditud` ldtd Lrdw dfl `dec` tgc
whrj dfl d sghrt qumz. d orhup whrj dfl d sghrt prcscftdhf. tde`c/ordpg.
qumz.
Tumz1
Lcfc tgc nh``hwmfo
M. Cvd`udtmfo `cdrfmfo
usmfo yhur hwf whrls1
4. \de`c
5. @m
@mfc
fc ordp
ordpg g
9. E dr
dr o
orrdp g
<. [ mc
mc I
Ig
g dr
drt

A. Dllmtmhfd` ditmvmtmcs
nhr dpp`midtmhf hr
rcbclmdtmhf

^. UCBDUJY

Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p 
^M. UCN@CI\MHF tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur mfstruitmhfd` supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.
D. Fh. hn `cdrfcrs wgh cdrfcl

7;% hf tgc nhrbdtmvc

dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc

dllmtmhfd` ditmvmtmcs nhr
rcbclmdtmhf

I. ml tgc rcbclmd` `csshfs

whrj8 Fh. hn stulcfts wgh
iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcr
`cdrfcrss wgh ihftmfuc
th rcqumrc rcbclmdtmhf
 Lmvmsmhf hn [dbpdfod
?3

C. _gmig hn by tcdigmfo
strdtcomcs whrj wc``8 _gy lml
tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M

cfihuftcr wgmig by prmfimpd` hr
supcrvmshr gc`p bc sh`vc8
O. _gdt mffhvdtmhf hr `hid`mzcl
bdtcrmd`s lml M usc/lmsihvcr
wgmig M wmsg th sgdrc wmtg htgcr
tcdigcrs8

OUD C 45 Yighh` LcpCl Ucomhf MMM Ordlc @cvc` dfl Ycitmhf  DEB O44
  DM@] @CYYHF @HO
@HO \cdigcr B\H\ DEB I`dss N @cdrfmfo Drcd Eusmfcss bdtgcbtmis
\cdigmfo dtcs dfl \mbc Cxdbp`c1 _ccj 4 ’ Ldy 4 - < Tudrtcr Nmrst / Ycihfl

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

Heacitmvcs bust ec bct hvcr tgc wccj dfl ihffcitcl th tgc iurrmiu`ub stdfldrls. \h bcct tgc heacitmvcs, fcicssdry prhiclurcs bust ec nh``hwcl dfl mn fcclcl, dllmtmhfd` `csshfs, cxcrimscs dfl rcbclmd` ditmvmtmcs 
M. HEACI\M^CY bdy ec lhfc nhr lcvc`hpmfo ihftcft jfhw`cloc dfl ihbpctcfimcs. \gcsc drc dsscsscl usmfo Nhrbdtmvc Dsscssbcft strdtcomcs. ^d`umfo heacitmvcs supphrt tgc `cdrfmfo hn ihftcft dfl ihbpctcfimcs dfl cfde`c 
igm`lrcf th nmfl smofmnmidfic dfl ahy mf `cdrfmfo tgc `csshfs. _ccj`y heacitmvcs sgd`` ec lcrmvcl nrhb tgc iurrmiu`ub oumlcs.

D. Ihftcft Ytdfldrls \gc `cdrfcrs lcbhfstrdtc df uflcrstdflmfo hn eusmfcss ldtd prcscftdtmhf usmfo ordpgs, igdrts, dfl tde`cs.
 Lmvmsmhf hn [dbpdfod
?>

\gc `cdrfcrs drc de`c th1

4. Yh`vc pprhe`cb
rhe`cbss mf rc
rcd`
d` ’ `mnc
`mnc eusmf
eusmfcss
css smttudtmhfs.
udtmhfs.
E. [crnhrbdfic Ytdfldrls 5. [rcscf
[rcscftt ldtd
ldtd mf ordpg
ordpgmid
mid`` nhrb.
nhrb.
9. Dfd`yz
Dfd`yzcc ldtd mf ord
ordpgm
pgmid`
id` nhrb
nhrb..
4. Ml
Mlcf
cftm
tmny
n y tgc
tgc ccss
sscf
cftm tmdd`` pd
pdrrts hn  4. Dfd`y
Dfd`yzczc dfl mftcrprct
mftcrprct tgc ld
ldtd
td prcscftc
prcscftcll mf 4. Lcsi
Lcsirmec
rmec tgc lmnncrcft
nncrcft jmfls hhnn Ssc shntwdrc prhordb th ihbputc
d tde`c ZDEBXEB44[DL-``o-9R tgc tde`c usmfo bcdsurcs hn icftrd` ordpgs nhr ldtd prcscftdtmhf dfl prcscft ordpgmid` prcscftdtmhf hn
5. Lrdw tgtgc td
tde`c tthh pr
prcscft tcflcfiy dfl vdrmdem`mty dfl tcsts hn ZDEBXEB44[D -``m->R eusmfcss ldtd.
tgc ldtd ZDEBXEB44[D -``g<R smofmnmidft lmnncrcfics ZDEBXEB44[D - 5. Lcsi
Lcsirmec
rmec tgc cs
csscftm
scftmdd`` pdrts hhnn d ZDEBXEB44[D -``a-44R
``g3R ordpg ZDEBXEB44[D -``m-?R
9. Omvc d sct hn eu
eusmfcs
smfcsss ldtd:
I. @cdrfmfo Ihbpctcfimcs/
mlcftmny tgc ordpgs th ec uscl
Heacitmvcs (_rmtc tgc @I Ihlc)
ZDEBXEB44[D -``m-7R
<. Lrdw tgc ord
ordpg/tde`
pg/tde`c th prcs
prcscft
cft
tgc ldtd ZDEBXEB44[D -``m-=R
3. Dfd`y
Dfd`yzc
zc tgc df
dfll mftcr
mftcrprct
prct tg
tgcc ldtd
prcscftcl mf ordpg/tde`c

MM. IHF\CF\
MMM. @CDUFMFO UCYHSU ICY
D. Ucncrcfics
4. \cdigcr”s Oumlc pdocs
5. @cdrfcr”s Bdtcrmd` pdocs
9. \cxtehhj pdocs
ZDEBXEB44[D
Ihftcft ms wgdt tgc `csshf ms d`` dehut. Mt pcrtdmfs th tgc sueacit bdttcr tgdt tgc tcdigcr dmbs th tcdig. Mf tgc IO, tgc ihftcft idf ec tdij`cl mf d -``m-4;R
wccj hr twh.
  [rcscftdtmhf dfl Dfd`ysms hn Eusmfcss Ldtd
@mst tgc bdtcrmd`s th ec uscl mf lmnncrcft ldys. ^drmcl shurics hn bdtcrmd`s sustdmf igm`lrcf”s mftcrcst mf tgc `csshf dfl mf tgc `cdrfmfo. Cfsurc tgdt tgcrc ms d bmx hn ihfirctc dfl bdfmpu`dtmvc bdtcrmd`s ds wc`` ds 
pdpcr-edscl bdtcrmd`s. Gdfls-hf `cdrfmfo prhbhtcs ihficpt lcvc`hpbcft.

<. Dllmtmhfd` Bdtcrmd`s nrhb

@cdrfmfo Ucshuric phrtd`

E. Htgcr @cdrfmfo Ucshurics

Ycssmhf 4 Ycssmhf 5 Ycssmhf 9 Ycssmhf <

\gcsc stcps sghu`l ec lhfc dirhss tgc wccj. Yprcdl hut tgc ditmvmtmcs dpprhprmdtc`y sh tgdt tgc stulcfts wm`` `cdrf wc``. D`wdys ec oumlcl ey lcbhfstrdtmhf hn `cdrfmfo ey tgc stulcfts wgmig yhu idf mfncr nrhb 
M^. [UHIC SUCY nhrbdtmvc dsscssbcft ditmvmtmcs. Yustdmf `cdrfmfo systcbdtmid``y ey prhvmlmfo stulcfts wmtg bu`tmp`c wdys th `cdrf fcw tgmfos, prditmic tgcmr `cdrfmfo, qucstmhf tgcmr `cdrfmfo prhicsscs dfl lrdw ihfi`usmhfs dehut 
wgdt tgcy `cdrfcl mf rc`dtmhf th tgcmr `mnc cxpcrmcfics dfl prcvmhus jfhw`cloc. Mflmidtc tgc tmbc d``htbcft nhr cdig stcp.
 Lmvmsmhf hn [dbpdfod
??

D. Ucvmcwmfo prcvmhus `csshf hr Ucidp hn tgc `csshf hf ihbpdrmfo \gc tcdigcr wm`` rcsubc tgc lmsiussmhf hf dfd`ysms \gc tcdigcr wm`` rcsubc tgc `csshf \gc tcdigcr wm`` rcsubc tgc `csshf hf
prcscftmfo d fcw `csshf tgc tcxtud`, tdeu`dr,dfl ordpgmid` ldtd dfl mftcrprctdtmhf hn ldtd hf dfd`ysms dfl mftcrprctdtmhf hn ldtd dfd`ysms dfl mftcrprctdtmhf hn ldtd

\gc heacitmvc hn tgc `csshf ms tgc @ct tgc stulcfts1 ihbputc nhr bcdf, bclmdf, bhlc, @ct tgc stulcfts1 @ct tgc stulcfts uflcrstdfl dfl
stulcfts sghu`l ec de`c th1 rdfoc, stdfldrl lcvmdtmhf, dfl vdrmdfic hn tgc ldtd. 4.Lcsirmec tgc lmnncrcft jmfls hn dpp`y shntwdrc prhordb th ihbputc
d. mlcftm
mlcftmny
ny tgc
tgc pdr
pdrts
ts hn ttgc
gc td
tde`c
e`c dfl dfd`yzc dfl mftcrprct d tde`c usmfo bcdf, ordpgs nhr ldtd prcscftdtmhf dfl prcscft ordpgmid` prcscftdtmhf hn
e. lr
lrdw
dw tgc
tgc tde
tde`c
prcscftdtmhf`chndfl
tgc tde`c bclmdf,
vdrmdfic.bhlc, rdfoc, stdfldrl lcvmdtmhf, dfl 5.
hn d ordpgLcsir
csirmm ec
ec tgc
tgc css
csscf
cftmtmd`
d ` pd
pdrrts eusmfcss ldtd hn
ircdtc ordpgs Ssc BY Cxic` th
prcscftdtmhf
E. Cstde`msgmfo d purphsc nhr
9. Omvvcc d sct hn eu
eusm
smffcs
css ldtd
ldtd::
tgc `csshf
mlcftmny tgc ordpgs th ec uscl
<. Lrdw tgc ordpg/tde`c th
prcscft tgc ldtd
3. Dfd`
Dfd`yzc
y zc tgc
tgc df
dfll mftcr
f tcrpr
prct
ct tgc
tgc
ldtd prcscftcl mf ordpg/tde`c
\gc tcdigcr wm`` prcscft tgc `csshf \gc tcdigcr wm`` prcscft tgc `csshf tgrhuog prcscft \gc tcdigcr
tcdigcr wm`` pr
prcscft
cscft tgc `css
`csshf
hf
tgrhuog phwcrphmft prcscftdtmhf tgrhuog phwcrphmft prcscftdtmhf tgrhuog prcscft tgrhuog phwcrphmft
prcscftdtmhf
I. [rcscftmfo
cxdbp`cs/mfstdfics hn tgc fcw
`csshf

  . msiussmfo fcw ihficpts D. \mt`c1

dfl prditmimfo fcw sjm``s #4
\mt`c1   \gc tmt`c prhvmlcs d
ermcn lcsirmptmhf hn tgc
ihftcfts hn tgc tde`c. Mt
sghu`l ec ihfimsc dfl mfi`ulc
tgc jcy c`cbcfts sghwf mf
tgc tde`c, nhr cxdbp`c,
orhups, i`dssmnmidtmh
i`dssmnmidtmhfs,
fs,
vdrmde`cs, cti. Mt sghu`l fcvcr
ec bhrc tgdf twh `mfcs.
D`tghuog, tgcrc drc vdrymfo
sty`cs nhr wrmtmfo d tmt`c, bhst
tmt`cs sghu`l ec uflcr`mfcl hr
mtd`mimzcl, dfl tgc nmrst `cttcr
hn cdig whrl sghu`l ec
idpmtd`mzcl nh``hwmfo tgc ru`cs
nhr dfy tmt`c, hr tgc cftmrc tmt`c
idf ec mf idps. [crmhls drc
`cnt hut dt tgc cfl hn tgc tmt`c.
4. Lctcrbmfc tgc bcdf, bclmdf, bhlc dfl Ordpgs
rdfoc1 4. \gc nh``hwmfo drc tgc nhur
d. \gc "bcdf" ms tgc "dvcrdoc" yhu'rc uscl edsmi ordpgs
ordpgs nhr lmsiussmhf1
th, wgcrc yhu dll up d`` tgc fubecrs d.Ih`ubf ordpg
dfl tgcf lmvmlc ey tgc fubecr hn
fubecrs. e.[mc ordpg
i. @mfc or
ordpg
dpg
l.[mc igdrt
e. \gc "bclmdf" ms tgc "bmll`c" vd`uc mf tgc
5.Ih`ubf ordpgs ihfsmst
ordpgs ihfsmst hn
`mst hn fubecrs. \h nmfl tgc bclmdf, yhur pdcrfcl rcitdfo`cs
fubecrs gdvc th ec `mstcl mf fubcrmid`
lmsp`dycl d`hfo d edsc`mfc
hrlcr nrhb sbd``cst th `drocst, sh yhu
bdy gdvc th rcwrmtc yhur `mst ecnhrc yhu id``cl tgc x-, idtcohry hr tgc
idf nmfl tgc bclmdf. ghrmzhftd` dxms. \gc gcmogt hn 
tgc rcitdfo`c rcprcscfts tgc
i. \gc "bhlc" ms tgc vd`uc tgdt hiiurs bhst dbhuft hn ldtd. \gc `c-th-
hntcf. Mn fh fubecr mf tgc `mst ms rcpcdtcl, rmogt emds bhst pchp`c
 Lmvmsmhf hn [dbpdfod
Mn tgc tmt`c ms twh `mfcs `hfo,
tgc `mfcs idf ec cmtgcr smfo`c-
spdicl hr lhue`c-spdicl
lcpcflmfo hf tgc sty`c yhu'rc
usmfo. Yhbctmbcs rcncrrcl th
ds tgc tde`c `cocfl, d tde`c's
tmt`c sghu`l d`wdys oh dehvc
tgc tde`c.
E. \de`
\de`c c fubec
fubecr1r1   \de`cs sghu`l
ec fubecrcl mf tgc hrlcr tgdt
tgcy drc rcncrrcl th mf yhur
rcphrt, ds \de`c 4, \de`c 5,
dfl sh hf. \gc tde`c fubecr
gds d pcrmhl dt tgc cfl dfl d
spdic th scpdrdtc mt nrhb tgc
tmt`c, wgmig fhrbd``y nh``hws
tgc tde`c fubecr.
I. Gcdl
Gcdlmfos
mfos &
Yuegcdlmfos1   _gm`c ldtd
Yuegcdlmfos1
nhrb tgc ehly
gcdlmfos hn d tde`c,
dfl suegcdlmfos
d``hw yhu th cstde`msg df
hrlcr th tgc ldtd ey
mlcftmnymfo ih`ubfs. \gcy
sghu`l ec wrmttcf mf tgc
smfou`dr nhrb uf`css tgcy
rcncr th orhups, c.o., bcf,
whbcf, cti., dfl tgc nmrst
`cttcr hn tgc nmrst whrl sghu`l
ec idpmtd`mzcl. Gcdlmfos
sghu`l ec jcy whrls tgdt ecst
lcsirmec tgc ih`ubfs ecfcdtg
tgcb. \gcy sghu`l fht ec
buig `hfocr tgdf tgc `hfocst
cftry mf tgcmr ih`ubfs.
Cxdbp`c1
   Ih`ubf Gcdlmfos 1 Cdig
ih`ubf gds d gcdlmfo mf hrlcr
th mlcftmny wgdt ldtd drc
`mstcl ec`hw mf d vcrtmid`
drrdfocbcft. _gcf tgc
ih`ubf gcdlmfo ms dehvc tgc
`cntbhst ih`ubf, mt ms hntcf
rcncrrcl th ds tgc "stuegcdl"
tgcf tgcrc ms fh bhlc nhr tgc `mst.
l. \gc "rdfoc" hn d `mst d fubecrs ms aust
tgc lmnncrcfic ectwccf tgc `drocst dfl
sbd``cst vd`ucs.
5. Lctcrbmfc tgc vdrmdfic dfl stdfldrl
lcvmdhf1
d. \gc vdrmdfic hn d ldtd sct ms id`iu`dtcl ey
tdjmfo tgc bcdf vd`uc.
e. \gc stdfldrl lcvmdhf ms id`iu`dtcl ey
tdjmfo tgc squdrc rhht hn tgc vdrmdfic.
?7
phsscss, bdjcs ih`ubf
ordpgs bhrc dpprhprmdtc nhr
bc scrmcs ldtd tgdf edr
ordpgs.
d.Ih`ubf ordpgs ecst sghw1
• igdfocs mf ldtd hvcr bc
(sghrt bc scrmcs)
•ihbpdrmshfs hn scvcrd`
mtcbs (rc`dhfsgmp ectwccf
twh scrmcs)
9. Ssmfo tgc Nh``hwmfo ldtd sct,
9.Ssmfo
ihfstruit d ih`ubf ordpg
nhr1
D. Ihbpdfy D Yd`cs, 5;44 ’
5;43
E. Ihbpdfy E Yd`cs vs fct
mfihbc, 5;44 ’ 5;43
di. Ihbpdfy D vs E vs I fct
mfihbc 5;44 ’ 5;49
<.Edr ordpgs ms edsmid``y d 
d 
Ih`ubf ordpgs mf wgmig tgc
rcitdfo`cs drc drrdfocl
ghrmzhftd``y. \gc `cfotg hn
cdig rcitdfo`c rcprcscfts mts
vd`uc.
d. Edr ordpgs ecst sghw1 • ldtd
d.Edr
scrmcs wmtg fh fdturd` hrlcr.
D edr ordpg ms wmtghut tgc
`c-th-rmogt emds hn d ih`ubf
ordpg smfic tgc prcscftdhf
ms vcrid`. \gus edr ordpgs
drc pdriu`dr`y dpprhprmdtc
wgcfcvcr bc ms fht tgc
hrlcr hn tgc ldtd hr wgcf
tgc tgcrc ms fh fdturd` hrlcr.
Mn tgc ldtd drc d bc scrmcs,
d idrcnu``y ighscf ih`ubf
 Lmvmsmhf hn [dbpdfod
dfl tgc ih`ubf ms tgc "stue
ih`ubf." \gms ih`ubf usud``y
`msts tgc mflcpcflcft vdrmde`c.
\gc ldtd tgdt nh``hw tgc stue
ih`ubf drc jfhwf ds tgc
"stue." D`` htgcr ih`ubf
gcdlmfos drc smbp`y rcncrrcl
th ds "ih`ubf gcdls." Fhtc
tgdt ufmts sghu`l ec spcimnmcl
mf ih`ubf gcdlmfos wgcf
dpp`mide`c.
   Ih`ubf
Ih`u bf Ypdff
Ypdffcrcr 1 D
gcdlmfo tgdt smts dehvc twh hr
bhrc ih`ubfs th mflmidtc d
icrtdmf i`dssmnmidtmhf hr
orhupmfo hn tgc ldtd mf tghsc
ih`ubfs. D ih`ubf spdffcr
bdy d`sh spcimny ufmts, wgcf
dpprhprmdtc.
L. \de`
\de`c c Ehly1
Ehly1   \gc ditud` ldtd
mf d tde`c hiiupymfo tgc
ih`ubfs, nhr cxdbp`c,
pcricftdocs, nrcqucfimcs,
stdtmstmid` tcst rcsu`ts, bcdfs,
"F" (fubecr hn sdbp`cs), cti.
C. \de`
\de`c c Ypdf
Ypdffcr1
fcr1   D tde`c
spdffcr ms `hidtcl mf tgc ehly
hn tgc tde`c mf hrlcr th lmvmlc
tgc ldtd mf d tde`c wmtghut
igdfomfo tgc ih`ubfs.
Ypdffcrs oh tgc cftmrc `cfotg
hn tgc tde`c dfl drc hntcf
uscl th ihbemfc twh tde`cs
mfth hfc mf hrlcr th dvhml
rcpctmtmhf. D tde`c spdffcr
bdy ec wrmttcf mf tgc p`urd`
nhrb.
N. Lmvmlc
Lmvmlcrs1
rs1   Lmvmlcrs drc `mfcs
tgdt nrdbc tgc thp dfl ehtthb
hn tgc tde`c dfl, hr bdrj tgc
lmnncrcft pdrts hn d tde`c. \gcy
drc hntcf uscl nhr lmvmsmhf hr
cbpgdsms wmtgmf tgc ehly hn d
?=
ordpg ms ocfcrd``y bhrc
dpprhprmdtc eut edr ordpgs
idf ec uscl th vdry d
prcscftdhf wgcf bdfy
ih`ubf ordpgs hn bc scrmcs
drc uscl.
3.Ssmfo
3. Ssmfo tgc cdr`mcr ldtd sct,
ihfstruit d `mfc ordpg nhr1
d. Ihbpdfy I sd`cs dfl fct
d.Ihbpdfy
mfihbc, 5;44 ’ 5;43
e. Ihbpdfy E vs L vs C sd`cs
e.Ihbpdfy
5;44 ’ 5;43
>.D
>. D [mc igdrt ms
igdrt ms d imri`c wmtg
rdlmm ihffcifo tgc icftcr
th tgc cloc. \gc drcd
ectwccf twh rdlmm ms id``cl d
s`mic. Ldtd vd`ucs drc
prhphrhfdtc th tgc dfo`c
ectwccf tgc rdlmm.
d. [mc igdrts ecst sghw1 • pdrts
d.[mc
hn d wgh`c.
e. Ec wdry hn thh bdfy s`mics
e.Ec
smfic tgcy rcsu`t mf d
i`ucrcl ordpg. Ymx s`mics drc
ds bdfy ds idf ec gdfl`cl
hf hfc pmc.
?. Ssmfo tgc cdr`mcr ldtd sct,
?.Ssmfo
ihfstruit d pmc igdrt nhr1
d. Ercdjlhwf hn Ihbpdfy C
d.Ercdjlhwf
cxpcfscs, 5;4<
e. Ercdjlhwf hn Ihbpdfy D
e.Ercdjlhwf
thtd` sd`cs nrhb 5;44 ’ 5;43
 Lmvmsmhf hn [dbpdfod
7;

tde`c.
O. \de`
\de`cc Fhtcs1
Fhtcs1   ]hu bdy usc
tde`c fhtcs th cxp`dmf
dfytgmfo mf yhur tde`c tgdt ms
fht sc`n-cxp`dfdthry. _gm`c
edsmi sybeh`s dfl
deercvmdtmhfs `mjc YL nhr
stdfldrl lcvmdtmhf, F nhr
sdbp`c smzc, dfl % nhr
pcricftdoc, drc ihbbhf`y
uscl, yhu bdy gdvc htgcr
tcigfmid` tcrbs hr htgcr
mssucs tgdt yhu wmsg th
cxp`dmf. Mf tgcsc idscs, yhu
whu`l p`dic df dstcrmsj (*) nhr
tgc nmrst fhtc yhu fccl dntcr
tgc spcimnmi ldtd vd`uc. \gcf,
yhu whu`l p`dic tgc dstcrmsj
ec`hw tgc tde`c nh``hwcl ey

tgc fhtc hr
rcqumrcl nhrcxp`dfdtmhf
tgdt vd`uc. Htgcr
ldtd vd`ucs rcqumrmfo fhtdtmhf
whu`l oct twh, tgrcc
dstcrmsjs, hr d stdijcl irhss
(‡) mf tgdt hrlcr. Fhtcs
nh``hwmfo tgcsc dllmtmhfd`
mtcbs whu`l nh``hw tgc nmrst
fhtc usmfo tgc sdbc nhrbdt.
Fhtcs tgdt dpp`y th tgc tde`c
mf ocfcrd` sghu`l ec `mstcl
dntcr tgc whrl "Fhtc1 " uflcr
tgc tde`c.
 Lmvmsmhf hn [dbpdfod
74

C. msiussmfo fcw ihficpts Mf prcscftdtmhf, tgcrc wm`` ec ( Fht

Fhtc1
c1 \gc
\gc tcd
tcdiigc
gcrr wm`
wm`` ihf
ihftm
tmffuc
uc tgc
tgc lmsiuss
iussmmhf
hf)) 4. BY cxic
cxic`` ms
ms df
df mbp
mbphr
hrtd
tdft
ft
dfl prditmimfo fcw sjm``s #5 hiidsmhfs wgcf yhu gdvc fubcrmid` thh` nrhb ihfstruitmfo ldtd ordpgs nhr 
mfnhrbdtmhf tgdt yhu wdft th mfi`ulc mf prcscftdtmhf. \gc jcy stcps mf
yhur whrj, nhr cxdbp`c nmourcs dfl ircdtmfo ordpgs mf BY Cxic` drc
htgcr stdtmstmis nrhb scihfldry sc`citmfo tgc ldtd dfl ircdtmfo d
shurics (suig ds ehhjs, ahurfd` igdrt
drtmi`cs hr fcwspdpcr rcphrts): tgc d. Yc`c
Yc`cit
itmmfo tgc
tgc ld
ldtd
td11 Nmr sst,
t,
rcsu`ts hn cxpcrmbcfts: hr ldtd tgdt sc`cit tgc ic``s yhu wdft sghwf mf tgc
yhu gdvc ih``citcl dfl dfd`yscl ds igdrt. I`mij dfl lrdo tgc iurshr nrhb
pdrt hn d prhacit hr lmsscrtdtmhf. Yuig tgc thp `cnt ic`` th tgc ehtthb rmogt ic``
mfnhrbdtmhf idf ec uscl th m``ustrdtc hn tgc whrjsgcct ’ mfi`ulmfo ih`ubf
df droubcft hr ihfvcy ihbp`cx hr dfl rhw gcdlmfo wgcf phssme`c. Fhf
lctdm`cl mfnhrbdtmhf mf d ihfimsc  ’ ihftmouhus rhw dfl ih`ubfs hn
bdffcr. ic``s idf ec sc`citcl ey prcssmfo dfl
gh`lmfo tgc Itr` jcy wgm`c sc`citmfo d
\gcrc drc tgrcc bdmf bctghls hn orhup hn ic``s. D orhup hn rc`dtcl ldtd
prcscftmfo suig mfnhrbdtmhf1 phmfts ms id``cl ldtd scrmcs. \ypmid``y
ldtd scrmcs wm`` ec rcprcscftcl ey d
 mt idf ec mfihrphrdtcl mfth lmnncrcft ih`hr dfl wm`` ec mfi`ulcl mf
tgc bdmf ehly hn tcxt: tgc `cocfl.
 mt idf ec prcscftcl e. Ircdtmfo d Igdrt1 Dntcr
scpdrdtc`y ds d tde`c: hr  sc`citmfo tgc ic``s, i`mij tgc mfscrt tde
 mt idf ec uscl th ihfstruit d dfl i`mij tgc igdrt typc nrhb tgc
ordpg hr igdrt. Igdrts scitmhf hn tgc rmeehf. D igdrt
Lctcrbmfmfo wgmig hn tgcsc bctghls sue ’ typc bcfu wm`` dppcdr hf tgc
ms tgc bhst dpprhprmdtc lcpcfls uphf whrjsgcct.
tgc dbhuft hn ldtd yhu drc lcd`mfo 5. Cxdb
Cxdbp` p`c1
c 1 ircd
ircdtm
tmfo
f o d ih`
ih` uubfbf

wmtg
dehutdfl tgcmr ihbp`cxmty.
wgctgcr th usc tcxt,\gc ighmic
tde`cs hr igdrt sghwmfo
5;44 ’ 5;43 Ihbpdfy D sd`cs nrhb
ordpgs rcqumrcs idrcnu` ihfsmlcrdtmhf d. [`ht d`` tgc ldtd sc rmrmcs
mn yhu drc th cfsurc tgdt yhur rcdlcr e. Yc`c
Yc`cit
it d`` ic`
ic` `s tgcf
tgcf i`mij
m ij
hr dulmcfic uflcrstdfls yhur mfscrt tde.
droubcft dfl ms fht `cnt struoo`mfo th i. \gcf i`
i`mij tg
tgc ihih`u b
bff eeuu tttthf
mftcrprct ldtd tgdt drc phhr`y dfl tgc nmrst igdrt sue ’ typc uflcr
prcscftcl hr mf df mfdpprhprmdtc 5L Ih`ubf
nhrbdt. Mt ms iruimd` th rcbcbecr
rcbcbecr tgdt  D ordpg wm`` dppcdr hf tgc whrjsgcct.
wgcf usmfo d tde`c hr ordpg tgc
dsshimdtcl tcxt sghu`l lcsirmec wgdt
tgc ldtd rcvcd` dehut tgc thpmi: yhu
 Lmvmsmhf hn [dbpdfod
75

sghu`l fht fccl th lcsirmec tgc

mfnhrbdtmhf dodmf mf whrls.

N. cvc`hpmfo bdstcry (@cdls \gc tcdigcr wm`` `ct tgc stulcfts Cxdbp`cs hn bcdf, bclmdf, bhlc dfl rdfoc1 Orhup tgc stulcfts mfth 3 dfl bdjc
th Nhrbdtmvc Dsscssbcft) dfswcr tgrhuog ihficpt bdp tgc  Nmfl tgc bcdf, bclmdf, bhlc, dfl df ldtd dfd`ysms edsc hf tgcmr doc
pdrts hn tgc tde`c usmfo rdfoc dfl bdjc d ordpgmid`
rdfoc nhr tgc nh``hwmfo `mst hn vd`ucs1 prcscftdtmhf

49, 47, 49, 4<, 49, 4>, 4<, 54, 49

\gc bcdf ms tgc usud` dvcrdoc, sh M'`` dll

dfl tgcf lmvmlc1

(49 + 47 + 49 + 4< + 49 + 4> + 4< + 54 +

49) ÿ = 2 43

Fhtc tgdt tgc bcdf, mf tgms idsc, msf't d vd`uc

nrhb tgc hrmomfd` `mst. \gms ms d ihbbhf rcsu`t.
]hu sghu`l fht dssubc tgdt yhur bcdf wm``
ec hfc hn yhur hrmomfd` fubecrs.

\gc bclmdf ms tgc bmll`c vd`uc, sh nmrst M'``

gdvc th rcwrmtc tgc `mst mf fubcrmid` hrlcr1

49, 49, 49, 49, 4<, 4<, 4>, 47, 54

\gcrc drc fmfc fubecrs mf tgc `mst, sh tgc

bmll`c hfc wm`` ec tgc (= + 4) ÿ 5 2 4; ÿ 5 2
3tg fubecr1
 Lmvmsmhf hn [dbpdfod
79

49, 49, 49, 49, 4<, 4<, 4>, 47, 54

Yh tgc bclmdf ms 4<.

\gc bhlc ms tgc fubecr tgdt ms rcpcdtcl

bhrc hntcf tgdf dfy htgcr, sh 49 ms tgc bhlc.

\gc `drocst vd`uc mf tgc `mst ms 54, dfl tgc

sbd``cst ms 49, sh tgc rdfoc ms 54 ’ 49 2 7.

bcdf1 43

bclmdf1 4<
bhlc1 49
rdfoc1 7

Fhtc1 \gc nhrbu`d nhr tgc p`dic th nmfl tgc

bclmdf ms " (Ztgc fubecr hn ldtd phmftsR + 4) ÿ
5", eut yhu lhf't gdvc th usc tgms nhrbu`d.

]hu idf aust ihuft mf nrhb ehtg cfls hn tgc

`mst uftm` yhu bcct mf tgc bmll`c, mn yhu prcncr,
cspcimd``y mn yhur `mst ms sghrt. Cmtgcr wdy wm``
whrj.

\gc tcdigcr wm`` orhup tgc stulcfts \gc stulcfts dfswcr gc prditmid` prhe`cb hf tgc \gc tcdigcr wm`` dsj tgc stulcfts th
O. Nmflmfo prditmid` dpp`midtmhfs mfth twh th bdjc d smbp`c ordpg hr `csshf bdjc d bdrjct ldtd edscl hf tgcmr 
hn ihficpts dfl sjm``s mf ldm`y tde`c usmfo `dpthps/ihbputcrs mf tgc eusmfcss p`df
`mvmfo ihbputcr rhhb Mf whrjsgcct hf bcdf bclmdf dfl

bhlc tgc qucstmhfs drc edscl hf

 bhlc tgc qucstmhfs drc edscl hf
Lmvmsmhf hn [dbpdfod
7<

nmflmfo tgc bcdf bclmdf dfl bhlc.

4. 
4.  Nmfl tgc bcdf hn tgc nh``hwmfo ldtd.

(d) =, ?, 44, 49, 5, <, 3, 3

(e) 4>, 47, 4=, 54, 59, 59, 5?, 5=, 5=,
93

(i) 5.5, 4;.5, 4<.?, 3.=, <.=, 44.4, 4;.3

(l) 44 /<, 54 /5, 34 /5, 94 /<, 54 /5

5. 
5.  Nmfl tgc bcdf hn nmrst tcf wgh`c
fubecrs.

9. 
9.  Nmfl tgc bcdf hn nmrst 3 prmbc
fubecrs.

<. 
<.  \gc bcdf hn 7, 44, >, 4<, x dfl 49
ms >>. Nmfl tgc vd`uc hn tgc hescrvdtmhf
x.

3. 
3.  \gc bcdf hn >, 7, x + 5, 4;, 5x - 4,
dfl 5 ms =. Nmfl tgc vd`uc hn x dfl d`sh
tgc vd`uc hn tgc hescrvdtmhf mf tgc
ldtd.

>. 
>.  Nmfl tgc bcdf hn tgc nh``hwmfo
lmstrmeutmhf.

(d) \gc doc hn 5; ehys mf d `hid`mty ms

omvcf ec`hw.

Doc mf
  45 4; 43 4<
4< 7
]cdrs
Fubecr hn 
  3 9 5 > <
Ehys
 Lmvmsmhf hn [dbpdfod
73

(e) Bdrjs hetdmfcl ey <; stulcfts mf df

cxdb drc omvcf ec`hw.

Bdrjs   53 9; 43 5;
5; 5
5<
<
Fubecr hn 
Ytulcfts   7 45 4;
4; > <

(i)

xm   4 5 9 < 3
n m   < 3 7 4; 9

(l) \gc ldm`y wdocs hn 3; cbp`hyccs mf

df hrodfmzdtmhf drc omvcf ec`hw1

Ldm`y wdocs 4;; - 43; - 5;; - 53; -

(mf [gp) 43; 5;; 53; 9;;
Fubecr hn 
  45
45 49 4? 7
_hrjcrs

Nmfl tgc bcdf ldm`y wdocs.

?. 
?.  Nmfl tgc bhlc hn tgc nh``hwmfo ldtd.

(d) 45, 7, <, 7, 4, 7, =, 44, =, 4;, 45, 7

(e) 43, 55, 4?, 4=, 55, 4?, 5=, 5<, 4?,
43

(i) ;, 9, 5, 4, 9, 3, <, 9, <5, 4, 5, ;

(l) 4, ?, 5, <, 3, =, 7, 9

7. 
7.  \gc rufs sihrcl mf d irmijct bdtig
ey 44 p`dycrs ms ds nh``hws1
 ?, 4>, 454, 34, 4;4, 74, 4, 4>, =, 44,
Lmvmsmhf hn [dbpdfod
7>

4>

Nmfl tgc bcdf, bhlc, bclmdf hn tgms

ldtd.

=. 
=.  \gc wcmogts mf jo hn 4; stulcfts drc
omvcf ec`hw1

9=, <9, 9>, 97, <>, 34, 99, <<, <<, <9

Nmfl tgc bhlc hn tgms ldtd. Ms tgcrc

bhrc tgdf 4 bhlc8 Mn ycs, wgy8

4;. 
4;.  \gc bdrjs hetdmfcl ey <; stulcfts
hut hn 3; mf d i`dss drc omvcf ec`hw mf
tgc tde`c.

Bdrjs   <5 9
9>
> 9 ; < 3 3;
3;

Fubecr hn 
  ? 4;
4; 49 7 5
Ytulcfts

Nmfl tgc bhlc hn tgc dehvc ldtd.

44. 
44.  \gc fubecr hn fhtcs hn lmnncrcft
lcfhbmfdtmhfs drc omvcf ec`hw mf tgc
tde`c.

Lcfhbmfdtmhfs 4; 5; 3 3; 4;;
Fubecr hn 
  <; 9
9;
; 4;
4; 5 3 5;
5;
Fhtcs

Nmfl tgc bhlc hn tgc dehvc ldtd.

45. Nmfl
45. Nmfl tgc bclmdf hn tgc nh``hwmfo
ldtd.
 Lmvmsmhf hn [dbpdfod
7?

(d) 5?, 9=, <=, 5;, 54, 57, 97

(e) 4;, 4=, 3<, 7;, 43, 4>

(i) <?, <4, 35, <9, 3>, 93, <=, 33, <5

(l) 45, 4?, 9, 4<, 3, 7, ?, 43

49. \gc
49. \gc nh``hwmfo hescrvdtmhfs drc
drrdfocl mf dsicflmfo hrlcr. \gc
bclmdf hn tgc ldtd ms 53 nmfl tgc vd`uc
hn x.

4?, x, 5<, x + ?, 93, 9>, <>

4<. \gc
4<. \gc bcdf hn tgc nh``hwmfo
lmstrmeutmhf ms 5>. Nmfl tgc vd`uc hn p
dfl d`sh tgc vd`uc hn tgc hescrvdtmhf.

xm   ; 4 5 9 < 3
n m   9 9 p ? p-4 <

D`sh, nmfl tgc bhlc dfl tgc omvcf ldtd.

Dfswcrs nhr tgc whrjsgcct hf bcdf

bclmdf dfl bhlc drc omvcf ec`hw th
igcij tgc cxdit dfswcrs hn tgc dehvc
qucstmhfs.

 Dfswcrs1

4. 
4.  (d) ?
(e) 5<
(i) 7.3
(l) 9

5. 
5.  <.3
 9. 
9.  3.>
Lmvmsmhf hn [dbpdfod
77

<. 
<.  9<<
3. 
3.  =, 44, 4?
>. 
>.  (d) 44.7
(e) 59.43
(i) 9.4
(l) [gp4=>

?. 
?.  (d) 7
(e) 4?
(i) 9
(l) fh bhlc

7. 
7.  Bcdf 2 9= 4/44:
Bhlc 2 4>:
Bclmdf 2 4>

=. 
=.  <9,
4;. 
4;.   9;<<
44. 
44.  4;
45. 
45.  (d) 57
(e) 4?.3
(i) <?
(l) 4;
49. 
49.  47
4<. 
4<.  5, 4
\gc tcdigcr wm`` `ct tgc stulcfts lrdw \gc stulcfts odmf uflcrstdflmfo hn
ihfi`usmhfs tgdt prcscftdtmhf tgrhuog tgc `csshf, tgc stulcfts wm`` bdjc
G. Bdjmfo ocfcrd`mzdtmhfs dfl
destrditmhfs dehut tgc `csshf ordpgs, tde`cs hr igdrts drc fcclcl tgcmr hwf eusmfcss p`df dfl wm``
mf prcscftdtmhf hn tgc ldtd spcimnmid``y mftcrprct tgcmr hwf whrj wmtg tgc
eusmfcss ldtd tcdigcr ds d pdfc` ihbbmttcc
 Ds tgc stulcfts `cdrf eusmfcss
M. Cvd`udtmfo `cdrfmfo prcscftdtmhf dfl ldtd dfd`ysms
wm`` mftcrprct tgcmr hwf eusmfcss p`df

A. Dllmtmhfd` ditmvmtmcs nhr

dpp`midtmhf hr rcbclmdtmhf
 ^. UCBDUJY
Lmvmsmhf hn [dbpdfod
7=

Ucn`cit hf yhur tcdigmfo dfl dsscss yhursc`n ds d tcdigcr. \gmfj dehut yhur stulcfts” prhorcss tgms wccj. _gdt whrjs8 _gdt c`sc fccls th ec lhfc th gc`p tgc stulcfts `cdrf8 Mlcftmny wgdt gc`p yhur mfstruitmhfd` 
^M. UCN@CI\MHF supcrvmshrs idf prhvmlc nhr yhu sh wgcf yhu bcct tgcb, yhu idf dsj rc`cvdft qucstmhfs.

D. Fh. hn `cdrfcrs wgh cdrfcl 7;% hf tgc

nhrbdtmvc dsscssbcft

E. Fh. hn `cdrfcrs wgh rcqumrc dllmtmhfd`

ditmvmtmcs nhr rcbclmdtmhf

I. ml tgc rcbc
rcbclmd`
lmd` `csshfs wh
whrj8
rj8 Fh. hn
stulcfts wgh iduogt up wmtg tgc `csshf

  . Fh. hn `cdrfcr
`cdrfcrss wgh ihftmfuc th rcq
rcqumrc
umrc
rcbclmdtmhf

C. _gmig hn by tcdigmfo strdtcomcs whrj

wc``8 _gy lml tgcsc whrj8

N. _gdt lmnnmiu`tmcs lml M cfihuftcr wgmig by

prmfimpd` hr supcrvmshr gc`p bc sh`vc8

O. _gdt mffhvdtmhf hr `hid`mzcl bdtcrmd`s

lml M usc/lmsihvcr wgmig M wmsg th sgdrc wmtg
htgcr tcdigcrs8