USICHMOJ :.

USI^M@WIP, SMGMP UMSW/@UO

J@WN\NGJG
WNMOUI WNMOUI WNMOUI
J@WN\NGJG USMGM@MP
IUWNONPWJ USICJCHM UMPNONPWJ
ISJ

Pmhm``nðf y `ioprj
gmh tmrrmfi (J) ------ 35< 3:0 3:1
Urmpjrj`nðf `if
ojqunfjrnj gmh J 357 352 3:3
tmrrmfi (C)
@ifstru``nðf
lufgn`nðf cjsms C 35> 3:3 3:2
cigmbj(@)
@ifstru``nðf ouris
cigmbj (G)
C 35= 3:5 3:0
Wmronfjgis
nftmrfis gm hj @,G 3:0 3:< 3:>
cigmbj (M)
@nmhis rjzis
iln`nfjs y `jsmtj M 3:3 3:= 3:>
`mhjgir (L)
Jpmrturj y
mvjhuj`nðf gmh M 3:: 3:7 3:>
nopj`ti (B)
Mvjhuj`nðf gm his
rmsuhtjgis (A)
L,B 35= 3:5 3:0
@irrm``nðf ljhhjs
ipmrjtnvjs gm A 3:= 3:> 337
gnstrncu`nðf
gnstrncu`nðf (N)
Pmbunonmfti y
@iftrih gmh snstmoj N 353 35= 35>
(K)

Pihu`nðf

Urnomr pjsi; Ajhhjr mh tnmopi mstnojgi

J@WN\NGJG
WNMOUI WNMOUI WNMOUI
J@WN\NGJG USMGM@MP
IUWNONPWJ USICJCHM UMPNONPWJ
ISJ
Pmhm``nðf y `ioprj
gmh tmrrmfi (J)
------ 35< 3:0 3:1

Urmpjrj`nðf `if
ojqunfjrnj gmh J 357 352 3:3
tmrrmfi (C)
@ifstru``nðf
lufgn`nðf cjsms C 35> 3:3 3:2
cigmbj(@)
@ifstru``nðf ouris
cigmbj (G)
C 35= 3:5 3:0
Wmronfjgis
nftmrfis gm hj @,G 3:0 3:< 3:>
cigmbj (M)
@nmhis rjzis
iln`nfjs y `jsmtj M 3:3 3:= 3:>
`mhjgir (L)
Jpmrturj y
mvjhuj`nðf gmh M 3:: 3:7 3:>
nopj`ti (B)
Mvjhuj`nðf gm his
rmsuhtjgis (A)
L,B 35= 3:5 3:0
@irrm``nðf ljhhjs
ipmrjtnvjs gm A 3:= 3:> 337
gnstrncu`nðf
gnstrncu`nðf (N)
Pmbunonmfti y
@iftrih gmh snstmoj N 353 35= 35>
(K)

his tnmopi
piss gm nfn`ni y lnf oês `mr`
r`j
jfis y oês hmkjfis, hjs aihburj
rjss y ln
3:3

735 <03
3:0 352 735 <03

5 3:0 3:0 735 @

3:0 3:0 A?5

5 735
3:5

J C
A?5 A?5 735 <05
733 <03
 G
AIHB]SJP ? WN@ - WNH A?3
AIHB]SJP ? WL@ - WLH

Hj Sutj `rïtn`j pjsj pir gifgm hjs aihburjs sif `mri

Sutj `rïtn`j smrnj; J-C-@-M-L-A-N-K

Mh tnmo
tnmopi
pi gm gu
gurj
rj`n
`nðf
ðf gm
gmhh pri
priym
ym`t
`ti
immss g
gm;
m; :<>2
:<>2 Pm
Pmoj
ojfj
fjss

Nftmrprmtjr
Nftmrprmtjr his rm
rmsuhtj
suhtjgis
gis smbûf his tnmopis
tnmopis g
gm
m aihburj y hjs j`
j`tnvng
tnvngjgm
jgm

Stj; Hi
Hiss ttnnmo
mopi
piss g
gm
m aih
aihbu
burj
rj `mri
`mri snbf
snbfnl
nlnn`j qum
qum f
fnf
nfbu
buf
fj g
gm
mmmst
stjs
js j
j`t
`tnv
nvnn
gifgm hjs aihburjs sif gnlmrmftms gm `mri, mf mstm `jsi mh hj j`tnvngjg
pumgm
pumgm rmtjrgj
rmtjrgjr,
r, hjs j
j`tn
`tnvngj
vngjgms
gms qum
qum fi lir
lirojf
ojf pjrtm
pjrtm gm hhj
j rut
rutj
j `rït
`rïtn`j
n`j,, h
 WNMOUI
MPWNOJGI
 3:0

352

3:3

3:5

3:<

3:=

3:7
3:5

3:>

35=

,
fjhomftm hj
3:=

171 :5<0
3:< 171 :5<0 3:5 3:>

<03 171 L :5<0 :320 :320 :7>3 :7>

<03 171 A?5 :5<0 :320 :320 :7>3 :7>

3:7
M A N
A?5 171 :5<3 A?5 A?5
17> :5<0
 B
A?:

s qum
qum pm
pmron
rontmf
tmf rmt
rmtjrg
jrgis
is gm
gm nf
nfn`n
n`ni
i pj
pjrj
rj g
gmtm
mtmron
ronfjr
fjr lj`
lj`tir
tirms
ms mxtm
mxtmrfis
rfis qum nflhuym
nflhuymf
f mf mh gmsj
gmsjrr

jgms sm pumgm rmtjrgjr, hi `ujh jlm`tjrïj hj lnfjhnzj`nðf gmh priym`ti, ms gm`nr sm gmoirjrïj
G hj aihburj fis gni 3, msti fis nfgn`j qum hj j`tnvngjg sm pumgm rmtjrgjr gis smojfjs ojs
s aihburj fis vj j pmrontnr iptnonzjr hj phjfnln`j`nðf gmh priym`ti hi `ujh fis pmrontm tiojr
5=

:<>2
:<>2

A?5
rihhi gm priym`tis.

ou`ai
ou` ai oj
ojss tnmop
nmopi i m nf`h
nf`hus
usi
i fi sm pi
pigr
grïïj hhhm
hmvj
vjrr j `jci
`jci.. Hj
Hjss j`tn
j`tnvn
vngj
gjgm
gmss qu
qum
m pm
pmro
rontntmf
mf r
y fi jlm`tjrïj hj lm`aj lnfjh gmh priym`ti, jsï onsoi mf hj j`tnvngjg B hj aihburj fis gni
gm`nsnifms mf `ujfti j hj bmstnðf gm rm`ursis y `istms.
tjrgis gm nfn`ni hjs mf`iftrjois
:, msti nfgn`j qum hj j`tnvngjg sm
 USICHMOJ :. USI^M@WIP, SMGMP UMS
J@WN\NGJG
WNMOUI WNMOUI WNMOUI
J@WN\NGJG USMGM@MP
IUWNONPWJ USICJCHM UMPNONPWJ
ISJ
J ------ 3:: 3:0 3:=
C J 352 35> 3:0
@ J 3:= 3:< 3:>
G C 352 351 3:5
M C 3:< 3:> 33:
L @ 3:> 33: 337
B G, M 3:0 3:= 3:2
A L,B 3:: 3:: 3:0
N A 35> 3:5 3:3
K A 35< 3:3 3:0
D N,K 3:> 33: 337

Pihu`nðf

Urnomr pjsi; Ajhhjr mh tnmopi mstnojgi

J@WN\NGJG
WNMOUI WNMOUI WNMOUI WNMOUI
J@WN\NGJG USMGM@MP
IUWNONPWJ USICJCHM UMPNONPWJ MPWNOJGI
ISJ
J ------ 3:: 3:0 3:= 3:0
C J 352 35> 3:0 35>
@ J 3:= 3:< 3:> 3:<
G C 352 351 3:5 351
M C 3:< 3:> 33: 3:>
L
B G@,M 3:
3:0
> 3:
33=
: 3:
332
7 33:
3:=
A L,B 3:: 3:: 3:0 3::
N A 35> 3:5 3:3 3:5
K A 35< 3:3 3:0 3::
D N,K 3:> 33: 337 33:

Pmbufgi pjsi; Gncukjr hj rutj gmh priym`ti smbûf hjs j`tnvngjgms

prmgm`msirjs, his tnmopis gm nfn`ni y lnf oês `mr`jfis y oês hmkjfis, hjs
aihburjs y lnfjhomftm hj rutj `rïtn`j

351
 733 <05

35> 700 <7:

3:0 733 G
A ? ::
3:0 733

3:0 3:>
C 733
3:0 <7:
5
A?5

3:0 733 <7:

5

J M
A?5
A?5
3:< 33:

3:0 73>
73> <=5

7:> <0= <0= 1=<

@ L
A ? 35< A ? 35<

AIHB]SJP ? WN@ - WNH

AIHB]SJP ? WL@ - WLH

Hj Sutj `rïtn`j pjsj pir gifgm hjs aihburjs sif `mri

Sutj `rïtn`j smrnj; J-C-M-B-A-K-D

Mh tnmopi gm gurj`nðf gmh priym`ti ms:7>> Pmojfjs

Nftmrprmtjr
Nftmrprmtjr his rm
rmsuhtj
suhtjgis
gis smbûf his tnmopis
tnmopis g
gm
m aihburj y hjs j`
j`tnvng
tnvngjgms
jgms qu

Stj. His tnmopis

tnmopis gm aihbur
aihburj
j `mri snbfn
snbfnln`j
ln`j qum fn
fnfbufj
fbufj gm mst
mstjs
js j`tnv
j`tnvngjgm
ngjgm
hjs aihburjs
aihburjs sif gnlm
gnlmrmftms
rmftms gm `m
`mri,
ri, mf mst
mstm
m `jsi mh hj j`t
j`tnvngjg
nvngjg G hj ai
aihbur
hbur
mf hj j`tnvngjg N hj aihburj fis gni :, msti nfgn`j qum hj j`tnvngjg sm pumgm
ojrbmf
ojr bmf ouy jhti,
jhti, pig
pigmoi
moiss oivmr
oivmr rm`ursis
rm`ursis gm mmstj
stjss j`tnv
j`tnvngj
ngjgms
gms j j`
j`tnv
tnvngj
ngj
gnlmrmftm gm `mri, fis vj j pmrontnr iptnonzjr hj phjfnln`j`nðf gmh priym`ti hi
/@UO
 3:=

<7: 1=< 3:5

<7: 1=<
:5<2 :322
B :5<1 :321
A?5
33:
N
3::
A?: :321 :7>>

1=< :5<2 :321 :7>>

3::
1=< :5<2
:5<2 :321 D

A :5<2 :321 A?5

A?5
K
A?5

m pmront
pmrontmf
mf rmt
rmtjrgi
jrgiss gm nfn`ni
nfn`ni pjrj gmt
gmtmro
mronfj
nfjrr lj`tir
lj`tirms
ms mxtmrfi
mxtmrfiss qum nflhuy
nflhuymf
mf mf mh gms
gmsjrr
jrr

sm pumg
pumgmm rm
rmtj
tjrgj
rgjr,r, hi
hi `u
`ujh
jh j
jlm
lm`t
`tjrï
jrïj
j hj lnlnfj
fjhnhnzj`
zj`nðnðff gmh
gmh priy
priym`t
m`ti,
i, hjs
hjs j`t
j`tnv
nvng
ngjgm
jgmss qu
qum
m pm
pmrr
fis gni ::, msti fis nfgn`j qum hj j`tnvngjg sm pumgm rmtjrgjr if`m smojfjs ojs y fi
rmt
rmtjrg
jrgjr,
jr, pi
pirr i
itr
tri
i hhj
jgi pipigm
gmoois vmr
vmr qum
qum hjs j` j`ttnvn
nvngj
gjgm
gmss @ y L hjs aihaihbu
burj
rj fis
fis gni
gni 35
35<
<s
ms gifgm hj aihb
aihburj
urj ms ``mri,
mri, m
msti
sti `if mh lnf gm gnso gnsonfunr
nfunr hj gurj`
gurj`nðf
nðf gmh priym`t
priym`tii snf u
uss
`ujh fis pmrontm tiojr gm`nsnifms mf `ujfti j hj bmstnð bmstnðf f gm rm`ursis y `istms.
ihhi gm priym`tis.

ntmf rmtjrgis gm nfn`ni hjs mf`iftrjois gifgm

jlm`tjrïj hj lm`aj lnfjh gmh priym`ti, jsï onsoi
ojfjs, mftms `jsi sm pumgm vmr qum ajy uf
r oês rm`ursis, hjs aihburjs qum fis gni vjhir
 USICHMOJ 0. HJ S]WJ O

Mf hj
hj aikj
aikj gm ``êh`u
êh`uhi
hi mkmr`
mkmr`n`n
n`ni
i 0, sm `i
`ifsn
fsnbfjf
bfjf his gjt
gjtis
is gm ufj rrutj
utj usj
usjgj
gj pj
pjrj
rj `u
`jh`uhm
`jh`uhm hj rutj oês `i
`irtj
rtj qum pmro
pmrontm
ntm qum mh vm
vmfgmgir
fgmgir vjyj gm
gmsgm
sgm uf figi gm nfnfn`n
n`n

@
:0 =
:2 2
L :0
2 :0
J C G :2 :2 2
37
<
B
> :0

Pihu`nif
:. @jh`uhjr hj rutj oês `irtj qum iptnon`m hj gnstjf`nj gmh vmfgmgir pjrj nr gmsgm

J-C-G-M-B-N-D-H 2+:0+<+>+2+2+2 =< do

Stj; Hj rutj
rutj oê
oêss `i
`irtj
rtj qu
qum
m iptn
iptnon`m
on`m hj gn
gnstjf`
stjf`nj
nj gm
gmhh vmf
vmfgmgir
gmgir pjrj nrnr gmsg
gmsgm
m mh figi g
gm
m nfn

Sutj; J-C-G-M-B-N-D-H @if ufj gnstj`ni gm =<do

3. Jfjhn`m his rmsuhtjgis y `iopjrm his rmsuhtjgis `if hjs rutjs jhtmrfjs gm sihu`n

Stj; Uigmois icsmrvjr qum hj rutj oês `irtj pjrj mh vmfgmgir pumgj nr gmsgm mh
do, sn jfj
jfjhnz
hnzjoi
joiss hj snb
snbunm
unmftm
ftm rut
rutj
j jhtmrfj
jhtmrfj pjrj mh vmf
vmfgmgi
gmgirr pumgj
pumgj nr gmsgm
gmsgm mh f
pigm
gmoois jjprprm
m`njr qum hm vvm
mfgmg
mgi
ir ggm
mcm ggm
m rrm
m`ir
irrm
rmrr 3 dnhðomtri
riss o
oêês, hi
hi ``uj
ujhh hm
hm n
smbu
smbuno
nois
is `iop
`iopjr jrjf
jfgi
gi hj ru
rutj
tj oê
oêss ``ir
irtj
tj `if
`if hjs
hjs itrj
itrjss rrut
utjs
js jhtm
jhtmrf
rfjs
js,, `jg
`jgjj vvmz
mz ju

Sutjs jhtmrfjs

J-C-G-B-N-D-H 2+:0+:2+2+2+2 =1 do
J-C-M-B-N-D-H 2+37+>+2+2+2 <: do
J-C-@-L-N-D-H 2+:2+:0+:0+2+2 <7 do
J-C-@-L-A-D-H 2+:2+:0+=+:2+2 << do
J-C-@-G-M-B-N-D-H 2+:2+2+<+>+2+2+2 <2 do
J-C-G-M-B-K-D-H 2+:0+<+>+:0+:>+2 27 do
J-C-@-L-B-N-D-H 2+:2+:0+:2+2+2+2 2= do
J-C-G-B-K-D-H 2+:0+:2+:0+:>+2 2< do
J-C-M-B-K-D-H 2+37+>+:0+:>+2 2> do
J-C-@-G-M-B-K-D-H 2+:2+2+<+>+:0+:> 1= do
J-C-@-L-B-K-D-H 2+:2+:0+:2+:0+:> >0 do

Smsihvmois `if sihvmr

G MPG M AJ@NJ GNPWJF@NJ
J C 2
C @ :2
C G :0
C M 37
@ G 2
@ L :0
G M <
G B :2
L A =
L B :2
L N :0
B N 2
B K :0
A D :2
N D 2
K D :>
D H 2

GNPWJF@NJ
GNPWJF@NJ ONFN
ONFNOJ
OJ =1 do
P @ISWJ

crnr his sntnis gm vnsntj gm uf vmfgmgir jocuhjftm. J pjrtnr gm gn`ajs gnstjf`njs

ajstj mh figi gm lnf.

:2

2 2
N D H

:>

h figi gm nfn`ni ajstj mh figi gm lnf mf mh mkmr`n`ni phjftmjgi.

Sutj ojs `irtj

ni ajstj mh figi gm lnf ms gm =< do

f.

igi gm nfn`ni ajstj mh figi gm lnf ms hj rutj J-C-G-M-B-N-D-H `if ufj gnstjf`nj gm =<
igi gm nfn`ni ajstj mh figi gm lnf ms J-C-G-B-N-D-H `if ufj gnstjf`nj gm =1 do,
phn`jrïj ojs bjstis y ojs tnmopi pjrj hhmbjr j sus gmstnfi, y jsï su`msnvjomftm sn
mftj hj gnstjf`nj y sus vmz nophn`j ojs tnmopi y `istis pjrj hhmbjr ajstj mh figi lnf.
Sutj ojs hjrbj

S ] WJ FI GI L]KI @IFGN@NIF
: J : ? :
5 C 5 ? 5
: @ 5 ? 5
5 G 5 ? 5
5 M 5 ? 5
5 L 5 ? 5
5 B 5 ? 5
: A 5 ? 5
5 N 5 ? 5
5 K 5 ? 5
5 D 5 ? 5
: H -: ? -:
5
5
:
5
:
 Mkmr`n`ni :. Urichmoj gm
Smvnsm hj snbunmftm tjchj, prichmoj gm nfvmftjrnis. @jh`uhm his `istis

j. Hitm j hitm.
c. pmrnigi `ifstjftm `if t?0
`. @jftngjg m`ifðon`j gm pmgngi
g. @jftngjg pmrnðgn`j gm pmgngi
m. @isti titjh oïfnoi.

@isti pir jrtnuhi

@isti gm pmgnr i prmpjrjr
@isti smojfj gm ojftmfnonmfti gmh nfvmftjrni
Fuomri gm pmgngnis
: 3 0 7
:05 :7= :3= :70

Oîtigi hitm j hitm

Smqumrnonmftis @jftngjg gm hj
Pmojfj Nfvmftjrni lnfjh
fmtis prigu``nðf
: :05 :05 5
3 :7= :7= 5
0 :3= :3= 5
7 :70 :70 5
= :0= :0= 5
< :03 :03 5
2 :03 :03 5
1 :01 :01 5
> :0= :0= 5
:5 :32 :32 5
:: :32 :32 5
:3 :3< :3< 5

Stj; @isti titjh j`uouhjgi $777,555

Oîtigi pmrnigi `ifstjftm (t?0)

Smqumrnonmftis @jftngjg gm hj
Pmojfj Nfvmftjrni lnfjh
fmtis prigu``nðf
 : :05 755 325
3 :7= 5 :3=
0 :3= 5 5
7 :70 7:5 3<2
= :0= 5 :03
< :03 5 5
2 :03 75= 320
1
> :
:0
01= 5
5 :0=
5
:5 :32 015 3=0
:: :32 5 :3<
:3 :3< 5 5

Stj; @isti titjh j`uouhjgi $013,030

Oîtigi @jftngjg m`ifðon`j gm pmgngi (MIZ)

@jh`uhjois hj `jftngjg m`ifðon`j gm pmgngi (MIZ)

:=>= =3 Pmofjs
G?
:3 : júi

5,25%smojfjh*2155 =3 Pmofjs
A?
: júi

P? $02,555

MIZ? 737 Pm jprixnoj

jprixnoj jh vjhir oês `mr`jfi

Pmojfj Smqumrnonmftis @jftngjg gm hj Nfvmftjrni lnfjh

fmtis prigu``nðf
: :05 737 3>7
 3 :7= 5 :7>
0 :3= 5 37
7 :70 737 05=
= :0= 5 :25
< :03 5 01
2 :03 737 005
1 :01 5 :>3
>
:5 :3
:02= 735
7 0==2
7
:: :32 5 332
:3 :3< 5 :5:

Stj; @isti titjh j`uouhjgi $325,0=1.<

Oîtigis @jfgjg pmrnðgn`j gm pmgngi (UIZ)

:=>=
L? ? 0.2<
737

W? :3 Pmojfjs
? 0.:>0332:1
0.2<

Pmojfj Smqumrnonmftis @jftngjg gm hj Nfvmftjrni lnfjh

fmtis prigu``nðf
: :05 755 325
3 :7= 5 :3=
0
7 :
:3
7=0 7:5
5 3<5
2
= :0= 5 :03
 < :03 5 5
2 :03 75= 320
1 :01 5 :0=
> :0= 5 5
:5 :32 015 3=0
:: :32 5 :3<
:3 :3< 5 5

Stj; @isti titjh j`uouhjgi $ 307,030

Oîtigi @isti titjh oïfnoi (HW@)

Smqumrnonmftis @jh`uhi gmh @jftngjg gm hj

Pmojfj
fmtis hitm prigu``nðf
: :05 : :05
3 :7= :-3 32=
0 :3= :-0 755
7 :70 :-7 =70
= :0= :-= <21
< :03 :-< 1:5
2 :03 :-2 >73
1 :01 :-1 :515
> :0= :-> :3:=
:5 :32 :-:5 :073
:: :32 :-:: :7<>
:3 :3< :-:3 :=>=

Stj; @isti titjh j`uouhjgi $ 3,==3,325

Stj; Mh oît
oîtig
igi
i gm nf
nfvmf
vmftj
tjrn
rnis
is q
qum
um b
bmf
mfmrj
mrj mh o
omfi
mfirr `i
`ist
sti
i ti
titj
tjhh j`
j`uo
uouh
uh
gm $307.033 pmsis
nfvmftjrnis gmtmronfïstn`is.
`uouhjgis titjhms pjrj his oigmhis gm nfvmftjrnis gmtmronfïstn`is smbûf his jhbirntois;

= < 2 1 > :5
:0= :03 :03 :01 :0= :32

Pihu`nðf

@isti gm @isti gm @isti titjh

ojftmfnonmfti prmpjrj`nðf j`uouhjgi
$5 $02,555 $02,555
$5 $02,555 $27,555
$5 $02,555 $:::,555
$5 $02,555 $:71,555
$5 $02,555 $:1=,555
$5 $02,555 $333,555
$5 $02,555 $3=>,555
$5 $02,555 $3><,555
$5 $02,555 $000,555
$5 $02,555 $025,555
$5 $02,555 $752,555
$5 $02,555 $777,555

@isti gm @isti gm @isti titjh

ojftmfnonmfti prmpjrj`nðf j`uouhjgi
 $:7,273.5 $02,555 $=:,273
$<,13=.5 $02,555 $>=,=<2
$5.5 $5 $>=,=<2
$:7,=21.3 $02,555 $:72,:7=
$2,352.3 $02,555 $:>:,0=3
$5.5 $5 $:>:,0=3
$:7,>5=.1 $02,555 $370,3=1
$2,02
$:
5..55 $02,55$55 $3
$ 31
12
2,,<
<3
3>
>
$:0,1:0.1 $02,555 $001,770
$<,12>.< $02,555 $013,030
$5.5 $5 $013,030

ufngjgms
? <>::.2
júi

$3,10> @isti u
ufngjg
fngjg

@isti gm @isti gm @isti titjh

ojftmfnonmfti prmpjrj`nðf j`uouhjgi
$:<,5=3.7 $02,555 $=0,5=3.7
 $1,:0=.7 $5 $<:,:12.1
$:,0:5.7 $5 $<3,7>1.3
$:<,<=0.5 $02,555 $::<,:=:.3
$>,313.5 $5 $:3=,700.3
$3,527.1 $5 $:32,=51.5
$:1,5:1.5 $02,555 $:13,=3<.5
$:5,710.3 $5 $:>0,55>.3
$>
$:0,,0
:3
:1
3..7
3 $02,55$55 $
$:
3>
=<
3,,:
73
7:
>..7
1
$:3,0>7.3 $5 $3<7,177.5
$=,=:7.< $5 $325,0=1.<

Pm jprixnoj jh vjhir oês `mr`jfi

? 7 Umgngis

? 0.55 Pmojfjs

@isti gm @isti gm @isti titjh

ojftmfnonmfti prmpjrj`nðf j`uouhjgi
$:7,273.5 $02,555 $=:,273.5
$<,13=.5 $5 $=1,=<2.5
$1
$:7,=25..53 $02,55$55 $:$:=51,,:=7<=2..35
$2,352.3 $5 $::2,0=3.7
 $5.5 $5 $::2,0=3.7
$:7,>5=.1 $02,555 $:<>,3=1.3
$2,02:.5 $5 $:2<,<3>.3
$5.5 $5 $:2<,<3>.3
$:0,1:0.1 $02,555 $332,770.5
$<,12>.< $5 $307,033.<
$5.5 $5 $307,033.<

@isti gm @isti gm @isti titjh

ojftmfnonmfti prmpjrj`nðf j`uouhjgi
$5.5 $02,555 $02,555
$2,>:2.5 $02,555 $1:,>:2
$35,271.5 $02,555 $:0>,<<=
$7=,=0<.7 $02,555 $333,35:
$1:,377.1 $02,555 $075,77<
$::2,552.1 $02,555 $7>7,7=7
$:=0,1<3.1 $02,555 $<1=,0:2
$352,=1>.3 $02,555 $>3>,>5<
$3<=,37<.1 $02,555 $:,303,:=0
$032,<=7.< $02,555 $:,=><,152
$755,>32.1 $02,555 $3,507,20=
$715,=07.< $02,555 $3,==3,325

gi pjrj mh pmrnigi :3 ms mh oîtigi gm @jftngjg pmrnðgn`j gm pmgngi (UIZ) `if uf titjh

 $2,155
$02,555
5.25%
:3
:: :3
:32 :3<
 Mkmr`n`ni 3. Urichmoj gm nfvmftjrnis g
Smvn
Smvnsm
sm hhj
j snbun
snbunmft
mftm
m tj
tjch
chj,
j, p
pric
richm
hmoj
oj gm
gm nfvm
nfvmft
ftjrn
jrnis.
is. @jh
@jh`uh
`uhm
m hi
hiss `i
`ist
stis
is j
j`uo
`uouh
uh

j. Hitm j hitm.
c. pmrnigi `ifstjftm `if t?7
`. @jftngjg m`ifðon`j gm pmgngi
g. @jftngjg pmrnðgn`j gm pmgngi
m. @isti titjh oïfnoi.

@isti pir jrtnuhi

@isti gm pmgnr i prmpjrjr
@isti smojfj gm ojftmfnonmfti gmh nfvmftjrni
Fuomri gm pmgngnis
: 3 0 7 =
:31 ::= :05 :01 :35

Pihu

Oîtigi hitm j hitm

Smqumrnonmftis @jftngjg gm hj Nfvmftjrni @isti gm

Pmojfj
fmtis prigu``nðf lnfjh ojftmfnonmfti
: :31 :31 5 $5
3 ::= ::= 5 $5
0 :05 :05 5 $5
7 :01 :01 5 $5
= :35 :35 5 $5
< :3= :3= 5 $5
2 :33 :33 5 $5
1 :01 :01 5 $5
> ::2 ::2 5 $5
:5 :3: :3: 5 $5
:: :33 :33 5 $5
:3 ::> ::> 5 $5

Stj; @isti titjh j`uouhjgi $002,055

Oîtigi pmrnigi `ifstjftm (t?7)

Smqumrnonmftis @jftngjg gm hj Nfvmftjrni @isti gm

Pmojfj
fmtis prigu``nðf lnfjh ojftmfnonmfti
 : :31 =:: 010 $:>,317.5=
3 ::= 5 3<1 $:0,7>0.15
0 :05 5 :01 $<,>71.05
7 :01 5 5 $5.55
= :35 =5= 01= $:>,017.2=
< :3= 5 3<5 $:0,5>:.55
2 :33 5 :01 $<,>71.05
1
> :
:0:1
2 72>5 0<5
3 $:1,3$
3<5..255
5
:5 :3: 5 37: $:3,:07.0=
:: :33 5 ::> $=,>>:.<=
:3 ::> 5 5 $5.55

Stj; @isti titjh j`uouhjgi $0<:,350

Oîtigi @jftngjg m`ifðon`j gm pmgngi (MIZ)

@jh`uhjois hj `jftngjg m`ifðon`j gm pmgngi (MIZ)

:7>= =3 Pmojfjs
G? ?
:3 : júi

5,=0%smojfjh*>=55 =3 Pmojfjs
A?
: júi

P? $32,055

MIZ? 0<1 Pm jprixnoj

jprixnoj jh vjhir oês `mr`jfi

Pmojfj Smqumrnonmftis @jftngjg gm hj Nfvmftjrni @isti gm

fmtis prigu``nðf lnfjh ojftmfnonmfti
: :31 0<1 375 $:3,517.5
 3 ::= 5 :3= $<,3>0.1
0 :05 5 = $3=:.1
7 :01 5 :00 $<,<><.<
= :35 0<1 01: $:>,:10.7
< :3= 5 3=< $:3,11>.<
2 :33 5 :07 $<,27<.>
1 :01 5 7 $35:.7

:5> :3
: ::
2 0<15 30
:=7
= $$
:<
3,,2
17
0<
>..>
0
:: :33 5 :3 $<57.3
:3 ::> 5 :52 $=,012.=

Stj; @isti titjh j`uouhjgi $:2:,13=.:

Oîtigis @jfgjg pmrnðgn`j gm pmgngi (UIZ)

:7>=
L? ? 7.52 ?
0<1

W? :3 Pmojfjs
? 3.>=5053> ?
7.52

Smqumrnonmftis @jftngjg gm hj Nfvmftjrni @isti gm

Pmojfj
fmtis prigu``nðf lnfjh ojftmfnonmfti
: :31 020 37= $:3,00=.1
3 ::= 5 :05 $<,=7=.=
0
7 :
:005
1 0105 375
= $:3,00$=5..5
1
= :35 5 :3= $<,3>0.1
 < :3= 5 5 $5.5
2 :33 022 3== $:3,10>.0
1 :01 5 ::2 $=,1>:.5
> ::2 5 5 $5.5
:5 :3: 0<3 37: $:3,:07.7
:: :33 5 ::> $=,>>:.2
:3 ::> 5 5 $5.5

Stj; @isti titjh j`uouhjgi $ :10,=<2

Oîtigi @isti titjh oïfnoi (HW@)

@jftngjg
Smqumrnonmftis gm hj @isti gm
Pmojfj @jh`uhi gmh hitm
fmtis prigu``nðf ojftmfnonmfti
: :31 : :31 $5.5
3 ::= :-3 370 $=,2>5.0
0 :05 :-0 020 $:>,=0=.1
7 :01 :-7 =:: $0>,=37.1
= :35 :-= <0: $<1,=2<.2
< :3= :-< 2=< $:55,255.5
2 :33 :-2 121 $:0:,1:<.0
1 :01 :-1 :5:< $:1:,<<3.1
> ::2 :-> ::00 $337,0=>.<
:5 :3: :-:5 :3=7 $310,3:1.1
:: :33 :-:: :02< $07<,1<:.3
:3 ::> :-:3 :7>= $7:7,71:.3

Stj; @isti titjh j`uouhjgi $ 3,:77,:32

:. ¹@uêh oîtigi gm nfvmftjrnis bmfmrj mh omfir `isti titjh j`uouhjgi mf mh

Stj; Mh oît
oîtig
igi
iggm
m nfv
nfvmf
mftj
tjrn
rnis
is qum
qum b
bmf
mfmr
mrj
jmmhh o
omf
mfir
ir `ist
`isti
i ttit
itjh
jh gm `ist
`isti
ijj`u
`uo
o
uf titjh
titjh gm :2:13=,: pmsis.
mtmronfïstn`is.
gis titjhms pjrj his oigmhis gm nfvmftjrnis gmtmronfïstn`is smbûf his jhbirntois;

$>,=55
$32,055
5.=0%
:3
< 2 1 > :5 :: :3
:3= :33 :01 ::2 :3: :33 ::>

nðf

@isti gm @isti titjh

prmpjrj`nðf j`uouhjgi
$32,055 $02,555
$32,055 $<7,055
$32,055 $>:,<55
$32,055 $::1,>55
$32,055 $:7<,355
$32,055 $:20,=55
$32,055 $355,155
$32,055 $331,:55
$32,055 $3==,755
$32,055 $313,255
$32,055 $0:5,555
$32,055 $002,055

@isti gm @isti titjh

prmpjrj`nðf j`uouhjgi
 $32,055 $7<,=17
$32,055 $12,021
$32,055 $:3:,<3<
$5 $:3:,<3<
$32,055 $:<1,0::
$32,055 $351,253
$32,055 $373,>=5
$55
$32,05 $3
$31
713,,7
>2
=25
$32,055 $032,>::
$32,055 $0<:,350
$5 $0<:,350

ufngjgms
<721.0
júi

$3,<:1 @isti ufngjg

@isti gm @isti titjh

prmpjrj`nðf j`uouhjgi
$32,055 $0>,017.5
 $5 $7=,<22.1
$5 $7=,>3>.=
$5 $=3,<3<.:
$32,055 $>>,:5>.7
$5 $:::,>>>.5
$5 $::1,27=.>
$5 $::1,>72.0
$32,05
$55 $:
$:=
$ ==
:<>,,1
51
51<<..=
00 <
$5 $:<<,702.2
$5 $:2:,13=.:

Pm jprixnoj jh vjhir oês `mr`jfi

7 Umgngis

0 Pmojfjs

@isti gm @isti titjh

prmpjrj`nðf j`uouhjgi
$32,055 $0>,<0=.1
$5 $7<,:1:.0
$55
$32,05 $1
$ 7=
<,,1
::12
:..5
0
$5 $>3,::5.1
 $5 $>3,::5.1
$32,055 $:
$:0
03,3=
3=5
5.5
$5 $:01,:7:.5
$5 $:01,:7:.5
$32,055 $:
$:2
22,=2
=2=
=.0
$5 $:10,=<2.5
$5 $:10,=<2.5

@isti gm @isti titjh

prmpjrj`nðf j`uouhjgi
$32,055 $32,055
$32,055 $<5,0>5
$32,055 $:52,33<
$32,055 $:27,5=:
$32,055 $3<>,>31
$32,055 $0>2,>31
$32,055 $==2,577
$32,055 $2<<,552
$32,055 $:
$:,,5:2,
2,<
<<<
$32,055 $:
$:,,031,
1,:
:1=
$32,055 $:
$:,,253,
3,0
07<
$32,055 $3
$3,,:77,
7,:
:32

mrnigi :39

uhjgi pjrj mh pmrnigi :3 ms mh oîtigi gm @jftngjg m`ifðon`j gm pmgngi (MIZ) `if

Cnchnibrjlïj

Bjrjcnti, K. (35::). Irbjfnzj`nðf gm icrjs mf nfbmfnmrïj gm mgnln`j`nðf; pribrjoj`nðf gm icrjs;

fmt.cnchnitm`jvnrtujh.ufjg.mgu.`i/ms/mrmjgmr/ufjg/=>71:

@ruz, J, (35:2). Bmstnðf gm nfvmftjrnis, (pp. :5=-:31). N@ mgntirnjh. Oêhjbj, Mspjúj. Sm`upmrjgi

Unfmgj, S, (3535). Oigmhis gm iptnonzj`nðf gmtmronfïstn`is. Pibjoisi, @ihiocnj. Sm`upmrjgi

îtigis
îtigis gm hj rutj `rïtn`j,
`rïtn`j, (pp. :7-71).
:7-71). Curbis,
Curbis, Mspjúj;
Mspjúj; Mgntirnjh
Mgntirnjh ]fnvmrsngjg
]fnvmrsngjg gm Curbis.
Curbis. Sm`upmr
Sm`upmr

gm; attps;//mhncri-fmt.cnchnitm`jvnrtujh.ufjg.mgu.`i/ms/mrmjgmr/ufjg/=>:1<

m; attps;//rmpisntiry.ufjg.mgu.`i/ajfghm/:5=></0=7>1
gi gm; attps;//mhn
attps;//mhncri-
cri-