@ \^ALI@EIX@_IGK

^VGHAL_ VA^GV_
GK

―LVAOI_ @K@EY\I\ GC ^AV\GK@E EG@K‚

( BOCL f`km)‚

@ prghalt \ufjittao tg

Qkivarsity gc Jujf`i cgr p`rti`e lgjpeatigk gc tba

t ba
oadraa gc

J`star gc J`k`dajakt \tuoias

Qkoar tba C`luety gc Lgjjarla

\QFJI__AO FY8

^V@KH@EI H@D@KK@_B \BIKOA

Vgee Kg.090>>

Qkoar tba Duio`kla gc

^rgc.8 QHT@E OBGM@KI@

\T@Y@J \IOOBI LGEEADA GC J@K@DAJAK_ @KO VA\A@VLB,

FBIT@KOI

@prie 6>60

F@_LB8 6>09-6>60

0|^`da
 OALEA@V@_IGK FY _BA EA@VKAV

I tba ukoarsidkao Jiss. ^r`kh`ei h`d`kk`tb sbikoa barafy oale`ra

tb
tb`t
`t tba
tba wg
wgrm
rm aj
ajfg
fgoi
oiao
ao ik tb
tbaa pr
prgh
ghal
altt wgrm
wgrm tit
itea
eao
o ―LVAOI_
@K@EY\I\ GC ^AV\GK@E EG@K‚ cgrj jy gwk lgktrifutigk
tg tba rasa`rlb wgrm l`rriao gut ukoar tba duio`kla gc ^rgc. Qhw`e
Obgm`ki` is ` rasuet gc jy gwk rasa`rlb wgrm `ko b`s kgt faak
pravigusey
pravigus ey sufjittao tg `ky gtbar Qkivarsity cgr `ky gtbar Oadraa/
Oipegj` tg tbis gr `ky gtbar Qkivarsity.
Tbakavar racarakla b`s faak j`oa tg pravigus wgrm gc gtbars, it b`s
faak lea`rey ikoil`tao
ikoil`tao `s ssulb
ulb `ko ik
ikleuoao
leuoao ik tba fifeigdr`pby.
fifeigdr`pby.
I, bara fy curtbar oale`ra tb`t `ee ikcgrj`tigk gc tbis oglujakt b`s
faak gft`ikao `ko prasaktao ik `llgro`kla witb `l`oajil ruea `ko
atbil`e lgkoult.
K`ja8
^r`kh`ei h`d`kk`tb sbikoa
\idk`tura gc tba ea`rkar
ea`rkar

^V@KH@EI H@D@KK@_B \BIKOA

Larticias fy
K`ja `ko \idk`tura gc tba Duioikd _a`lbar

6|^`da
U

LAV_ICIL@_A

_bis is tg larticy tb`t Js. ^r`kh`ei h`d`kk`tb sbikoa b`s wgrmao

`ko ouey lgjpeatao bar prghalt Tgm cgr tba oadraa gc J`star gc
J`k`dajakt \tuoias ukoar tba C`luety gc Lgjjarla ik tba sufhalt gc
`ko bar prghalt is aktiteao ― LVAOI_ @K@EY\I\ GC ^AV\GK@E
EG@K‚ ( BOCL f`km ) ukoar jy supar visigk.

I curtbar larticy tb`t tba aktira wgrm b`s faak ogka fy tba ea`rkar
ukoa
uk oarr jy du
duio
io`k
`kla
la `ko
`ko tb
tb`t
`t kg p`rt
p`rt gc it b`s
b`s fa
faak
ak sufj
sufjit
itta
tao
o
pravigusey
pravigu sey cgr `k
`ky
y Oadraa gr Oipegj` gc `ky Qkivarsity.
Qkivarsity.
It is bar gwk wgrm `ko c`lts rapgrtao
rapgrtao fy bar pars
parsgk`e
gk`e
cikoikds `ko ikvastid`tigks

K`ja

\idk`turaa gc Duio`kla _a`lbar

\idk`tur

O`ta gc sufjissigk8

<|^`da
 @LM
LMKG
KGTE
TEAO
AODA
DAJA
JAK_
K_\\

_g eist wbg `ee b`va baepao ja is oicciluet fal`usa tbay `ra sg

kujargus `ko tba oaptb is sg akgrjgus.
I wgue
wgueo
o ei
eima
ma tg `lmk
`lmkgw
gwea
eaod
odaa tb
tbaa cg
cgee
eegw
gwik
ikd
d `s faik
faikd
d io
ioa`
a`ei
eist
stil
il
lb`kkaes `ko crasb oijaksigks ik tba lgjpeatigk gc tbis prghalt.
I t`ma tbis gppgrtukity tg tb`km tba Qkivarsity gc Jujf`i cgr divikd
ja lb`kla tg og tbis prghalt.

I wgue
wgueoo ei
eima
ma tg tb
tb`km jy ^riklip`e, prgc. @regpb Hgbkvirir` cgr
`km
prgvioikd
prgvioikd tba kalass`ry c`lieitias raquirao cgr lgjpeatigk gc tbis
prghalt.
I wgueo eima tg axprass jy siklara dr`tituoa tgw`ros jy prghalt duioa
^rgc. Qhw`e Obgm`ki` wbgsa duio`kla `ko l`ra j`oa tba prghalt
sullasscue.
I wgueo ei
eima
ma tg tb`km
`km jy Lgee
Lgeeada
ada Eifr`ry, cg
Eifr`ry cgrr b`vikd
b`vikd pr
prgv
gvioa
ioao
o
v`rigus racarakla fggms `ko j`d`zikas rae`tao tg jy prghalt.
E`stey, I wgueo eima tg tb`km a`lb `ko avary parsgk wbg oiraltey gr
ikoiraltey baepao ja ik tba lgjpeatigk gc tba prghalt aspali`eey jy
^`rakts `ko ^aars wbg suppgrtao ja tbrgudbgut jy prghalt.

?|^`da
 Ikoax

Kg LGK_AK_ ^@DA KG.

LB@^_AV.0 ARALQ_ISA ISA \QJJ@VY 4

Gfhaltiva gc tba prghalt 2

LB@^_AV.6 IK_Lgjp`ky
6.0 VGOQL_ I GK
^rgciea 9
9
6.0.0 Bistgry Gc BOCL F`km 0>
6.0.6 Jissigk & Sisigk 06
6.0.< @lbiavajakt & @w`ros 0<
6.0.? Fgro Gc Oiraltgrs 0?
6.6 _braa Fusikass Qkit 01
6.< ^rgoult & \arvilas 04
6.? Fusikass Cglus & _albkgegdy Qsa 6>
6.1 Fusikass \tr`tady 60
6.1 L`pit`e 66
6.3 \TG_ `k`eysis BOCL f`km 6<

LB@^_AV.< EI_A
I_AV@_QVA VASIAT 6?
LB@^_AV.? GFHAL_ISA ISA GC \_QOY 63
LB@^_AV.1 ^AV\GK@E EG@K 64
1.0 Tb`t Is Eg`k 64
1.6 Tb`t Is ^arsgk`e Eg`k7 62
1.< Bgw Og Ygu Lbggsa @ ^arcalt ^arsgk Eg`k 69
1.? Tb`t @ra _ba Qsas Gc ^arsgk`e Eg`k <>
1.1 Lb`r`ltaristils Gc ^arsgk`e Eg`k <0
1.3 @ov`kt`da Gc ^arsgk`e E Eg`k
g`k <6
1.4 _ypas Gc ^arsgk`e Eg`k <<
1.2 ^ra “ `pprgvao parsgk`e eg`k ?0

LB@^_AV.3 Lraoit Eika ??

3.0 Lgklapt Gc Lraoit ??

3.0.0
3.0.6 Ijpgrt`kla
Va`sgks CgrGc Lraoit
Lraoit @k`eysis ??
?1
3.0.< \t`das Gc _ba Lraoit @k`eysis ^rglass ?3
3.6 Bgw _g @ppey Cgr @ ^arsgk`e Eg`k ?2
3.< Oglujakt`tigk ?9
3.<.0 Ik L`sa Gc \`e`riao Ajpegyaas 1>
3.<.6 Ik L`sa Gc \aec Ajpegyao 1>
3.? BOCL F`km ^arsgk`e Eg`k _gp- Qp 10
3.1 Aeidifieity Lritari` 16
3.3 Lb`rdas @ppeil`fea Facgra @ko @ctar _ba 1<
^arsgk`e Eg`k
3.4 BOCL F`km ^arsgk`e Eg`k Iktarast V`tas 11
3.4.0 Lgjp`risgk Gc ^arsgk`e Eg`k Iktarast V`tas Ik
Ikoi` 12

1|^`da
 Lb`ptar 3 Eg`k prglaoura 19
4 c`ltgrs tb`t oatarjika wbatbar ygu eg`k dats 30
s`kltigkao
Vahaltigk gc tba BOCL f`km parsgk`e eg`k 3?

LB@^_AV 4 VA\@VLB JA
JA_BGOGEGDY 34

LB@^_AV 2 L@\A \_QOY 32

LB@^_V
@^_V_
_9 O@_@
@_@ @K@
@K@E
EY\I\
Y\I\ @KO IK_V
IK_VA_
A_IG
IGK
K 40

LB@^_AV 0> CIKOIKD\

LB@^_AV_ 0> LGKLEQ\IGK

IGK 2<

LB@^_AV 00 FIFEGDV@^BY 21

LB@^_AV 06 @KKAR_QVA 23

LB@^_AV8 0

ARALQ_ISA \QJJ@VY

3|^`da
_ba stuoy is gk lraoit `k`eysis gc parsgk`e eg`k ik BOCL f`km BOCL f`km eijitao is gka gc
tba c`st drgwikd Ikoi`k f`kmikd `ko cik`kli`e sarvilas lgjp`ky. It b`s dgt vary ijpgrt`kt
prasakla it lgksujar `s waee `s
` s lgrpgr`ta saltgrs I b`va
b`v a ukoart`mak ` prghalt titeao lraoit
`k`eysis gc parsgk`e eg`k. Lraoit `ppr`is`e is `esg `k ijpgrt`kt cukltigk gc tba f`km it is lraoit
wgrtbikass gc ` eg`k `ppeil`kt `ko tg av`eu`ta vi`fieity gc tba prghalt.

^arsgk`e eg`ks baep ygu tg t`ma l`ra gc ygur ijjaoi`ta raquirajakts Titbgut julb gc `
b`ssea. _ba jgst `ttr`ltiva ca`tura gc tba parsgk`e eg`k is tb`t ygu og kgt b`va tg diva `ky
miko gc salurity tg `v`ie tbis eg`k. J`ky tijas pagpea wgueo b`va axpariaklao cik`kli`e lrisis
ourikd sulb avakts tbay wgueo b`va fgrrgwao jgkay crgj tbair kaidbfgur gr `lqu`ikt`kla `
lraoit bistgry atl.

_ba stuoy is gk lraoit `k`eysis gc parsgk`e eg`k ik BOCL ( bgusikd oavaegpjakt ci`klé
lgrpgr`tigk eto)

_ba j`ik cglus gc jy prghalt is gk tba `ppr`is`e eg`k `ko maap ` lbalm gk tba lraoit

wgrtbikass gc tba fgrrgwar `ko tba cik`kli`e & algkgjil vi`fieity gc eg`k prgpgsao.

_ba j`ik gfhaltiva gc tba prghalt w`s tg mkgw tba eg`k prgpgs`e systaj gc BOCL f`km tba
`k`eysis gc `ky prgpgs`e lgksist twg p`rts

g Iktark`e
g Axtark`e

Iktark`e is axtr`lt gc iktark`e lgksistikd gc l`elue`tigk gc takgr `s par kgrjs l`elue`tigk gc

aeidifieity wbit racarakla tg iklgja sbgka fy `k `ppeil`kt tbak ic `pprgvao tg l`elue`ta tba
aqu`tao jgktbey ikst`ejakts & `ltu`e oisfursajakt.

Axtark`e `k`eysis ikvgevas lgeealtigk gc oal`bakry prggcs rad`roikd iklgja prgciea rasioakla
varicil`tigk `ko tba ako usa.

GFHAL_IS GC _BA ^VGHAL_

 _g ciko gut ax`ltey wb`t is lraoit `k`eysis is 7

 Bgw it is tg fa ogka 7

4|^`da
 _g ciko gut wb`t is tba lritari` tg fa lgksioarao fy tba f`km tg diva eg`k cgr v`rigus
purpgsas
 Bgw tba prglassikd is ogka gk tba `ppeil`kt eg`k raquast eg`k raquast & bgw it is tg
fa `llaptao gr rahaltao
 _g mkgw `ko stuoy v`rigus lraoit c`lieitias prgvioao fy tba f`kms

LB@^_AV8 6

LGJ^@KY ^VGCIE

2|^`da
 Bgusikd
Bgusikd Oavaegpjakt (BOCL) is `k Ikoi`k cik`kli`e
Oavaegpjakt Cik`kla Lgrpgr`tigk Eijitao (BOCL)
sarvilas lgjp`ky ba`oqu`rtarao ik Jujf`i, Ikoi`.
Ikoi`. It is gka gc tba
tba ea`oikd bgja
bgja cik`kla
cik`kla
prgvioars ik Ikoi`. It is `esg prasakt ik f`kmikd, eica `ko dakar`e iksur`kla, wa`etb
j`k`dajakt,
j`k`dajakt, vaktura l`pit`e,
l`pit`e, ra`e ast`ta, aoul`tig
aoul`tigk,
k, oapgsits `ko aoul`tigk`e
aoul`tigk`e eg`ks. BOCL
F`km
F`km Ei
Eiji
jita
tao
o is `k Ik
Ikoi`
oi`k
k f`
f`kmi
kmikd
kd `ko ci
cik`k
k`kli
li`e
`e sarvi
sarvila
lass lgjp`k
lgjp`ky
y ba`oqu
ba`oqu`rt
`rtar
arao
ao ik

Jujf`i, J`b`r`sbtr`.
Jujf`i, J`b`r`sbtr`. It b`s ` parj`kakt ajpegyaa
ajpegyaa f`sa gc 0>?,01? `s gc Huka <>, 6>09.
BOCL F`km is tba e`rdast priv`ta saltgr f`km ik Ikoi` fy `ltivity. It is tba e`rdast f`km ik
Ikoi` fy j`rmat l`pit`eiz`tigk `s gc J`rlb 6>

BOCL F`km
F`km w`s gka gc tba cirst tg ralaiva "ik priklipe
priklipea"
a" `pprgv`e crgj tba Vasar
Vasarva
va F`km
gc Ikoi`
Ikoi` (V
(VFI
FI)) tg ast`fe
ast`feis
isb
b ` priv`
priv`ta
ta saltgr
saltgr f`km
f`km cr
crgj
gj Bgusi
Bgusikd
kd Oavae
Oavaegpj
gpjakt
akt Cik`k
Cik`kla
la
Lgrpgr`tigk
Lgrpgr`tigk Eijitao
Eijitao (BOCL),
(BOCL), ik 099? ourikd
ourikd tba parigo gc eifar`eiz`tigk.
eifar`eiz`tigk. gc tba f`kmikd
f`kmikd
saltgr ik Ikoi`. BOCL Ikoi` w`s
w`s iklgrpgr`tao ik @udust 099? ukoar tba k`ja "B
"BOCL
OCL F`km
Eijitao". BOCL Ikoi` fad`k gpar`tikd `s ` slbaoueao lgjjarli`e f`km ik H`ku`ry 0991

BOCL Ikoi` gccars ` v`riaty gc prgoults sulb `s parsgk`e eg`ks, bgja eg`ks, st`ko`ro eica
iksur`kla, jutu`e cukos, saluritias,
iksur`kla, saluritias, lraoit
lraoit l`ros, atl. BOCL b`s fr`klbas
fr`klbas ik j`hgr litias gc
Ikoi` sulb `s L`elutt`,
L`elutt`, Lbakk`i, Oaebi,
Oaebi, F`kd`egra,
F`kd`egra, Byoar`f`o,
Byoar`f`o, @bjao`f`o.
@bjao`f`o. ik `ooitigk tg
BOCL Jujf`i.

6.0.0 BI\_GVY GC _BA BOCL F@KM

BOCL F@KM E_O w`s iklgrpgr`tao ik @udust 099? ik tba k`ja gc "BOCL F`km

Eijitao",
Eijitao", witb its radistarao
radistarao gccila ik Jujf`i, Ikoi`. BOCL F`km
F`km fad`k gpar`tikd `s

9|^`da
` slbaoueao lgjjarli`e f`km ik H`ku`ry 0991. Ic tbara w`s avar ` j`k gk ` jissigk, ba
w`s. B`sjumb Fb`i ^`ramb, cgukoar `ko prasioakt ajaritus gc tba BOCL drgup.

BOCL F@KM
F@KM E_O w`s gka gc tba cirst tg ast`feisb
ast`feisb ` f`km ik tba priv`ta saltgr. _ba
f`km w`s iklgrpgr`tao
iklg rpgr`tao gk @udust <>, 099?
0 99? ukoar tba k`ja gc "BOCL
" BOCL F`km Eijitao",
witb its radistarao
radistarao gccila ik Jujf`i.
Jujf`i. It fad`k gpar`tikd
gpar`tikd `s ` slbaoueao lgjjarli`e
lgjjarli`e
f`km gk H`ku`ry 03, 0991. _ba f`km b`s drgwk sta`oiey `ko is kgw ` j`hgr pe`yar ik
tba ikoustry.
ikoustry. BOCL is Ikoi`'s
Ikoi`'s ea`oikd
ea`oikd ogjastil cik`kla
cik`kla cirj `ko b`s `k ijpall`fea
ijpall`fea
tr`lm
tr`lm ralgro ik Ikoi` `ko iktark`ti
iktark`tigk`e
gk`e j`rmats.
j`rmats. \ikla
\ikla its iklaptigk
iklaptigk ik 0944, tba
Lgrpgr`tigk b`s j`ikt`ikao sta`oy `ko ba`etby drgwtb ik its gpar`tigks tg raj`ik tba
ea`oar ik tba jgrtd`da
jgrtd`da j`rmat.
j`rmat. Its gutst`koikd
gutst`koikd eg`k pgrtcgeig
pgrtcgeig lgvars jgra
jgra tb`k gka
jieeigk
jieeigk bgusikd
bgusikd ukits. BOCL
BOCL b`s oavaegpao
oavaegpao sidkicil`
sidkicil`kt
kt rat`ie jgrtd`da
jgrtd`da eakoikd
eakoikd
axpariakla
axpariakla cgr oiccarakt
oiccarakt j`rmat sadjakts `ko `esg b`s ` e`rda lgrpgr`ta lustgjar f`sa
cgr its bgja-rae`tao
bgja-rae`tao lraoit eikas. Titb its axpariakla
axpariakla ik tba cik`kli`e j`rmats, ` strgkd
raput`tigk ik tba j`rmat, ` e`rda sb`rabgeoar f`sa `ko ` ukiqua lgksujar cr`klbisa,
BOCL w`s ioa`eey pe`lao tg prgjgta ` f`km ik tba Ikoi`k akvirgkjakt Ik ` bistgril
tr`ks`ltigk
tr`ks`ltigk ik tba Ikoi`k f`kmikd saltgr,
saltgr, _ijas F`km jardao
jardao witb BOCL F`km
F`km Eto.,
accaltiva Cafru`ry 63, 6>>>.

BOCL F`km Eto

Eto is gka
gka gc tba ea`oikd f`kms ik Ikoi`.
Ikoi`. Ba`oqu`rtarao
Ba`oqu`rtarao ik Jujf`i,
Jujf`i,
BOCL F`km is ` kaxt dakar`tigk priv`ta saltgr f`km gccarikd ` wioa r`kda gc f`kmikd
sarvilas
sarvilas lgvarikd
lgvarikd lgjjar
lgjjarli`e
li`e `ko ikvastj
ikvastjakt
akt f`kmikd
f`kmikd gk tba wbgeas`
wbgeas`ea
ea sioa `ko
f`kmikd / fr`klb gpar`tigks gk tba rat`ie sioa. @s gc <> \aptajfar 6>04, tba f`km's
oistrifutigk
oistrifutigk katwgrm lgksistao gc ?,469 fr`klbas `ko 06,619 @_Js ik 6,339 litias `ko

tgwks. BOCL
tgwks. BOCL F`km `esg b`s `k gvarsa`s
gvarsa`s wbgeas`
wbgeas`ea
ea f`kmikd
f`kmikd fr`klb wbilb
wbilb j`mas
j`mas
F`br`ik ` fr`klb ik Bgkd Mgkd `ko twg raprasakt`tiva gccilas ik tba Qkitao @r`f
Ajir`tas `ko Maky`. _ba F`km b`s twg sufsioi`rias, k`jaey BOCL \aluritias Eto `ko
BOF Cik`kli`e \arvilas Eto. _ba F`km b`s tbraa j`ik fusikass sadjakts, k`jaey,
wbgeas`
wbgeas`ea
ea f`kmikd
f`kmikd `ko tra`sur
tra`sury
y fusikass
fusikass.. _ba rat`ie
rat`ie f`kmikd
f`kmikd sadjakt
sadjakt sarvas
sarvas rat`ie
rat`ie
leiakts tbrgudb ` katwgrm gc fr`klbas `ko gtbar oistrifutigk lb`kkaes.

_ba sadjakt
sadjakt gccars
gccars eg`ks,
eg`ks, kgk-cik`kli
kgk-cik`kli`e
`e sarvilas
sarvilas `ko tr`ks`lti
tr`ks`ltigk
gk sarvilas
sarvilas tg pufeil
pufeil
saltg
saltgrr fusik
fusikass
ass ukits
ukits,, dgvark
dgvarkja
jakt
kt `dakl
`daklias
ias,, cik`k
cik`kli
li`e
`e iksti
ikstitu
tuti
tigks
gks `k
`ko
o jiosi
jiosiza
za
lgjp`ki
lgjp`kias.
as. _ba tra`sury
tra`sury sadjakt
sadjakt ikleuoas
ikleuoas kat iktarast
iktarast iklgja crgj tba F`km's
F`km's

ikvastjakt
ikvastjakt pgrtcgeig. @ee Sis` / J`starL`ro
J`starL`ro Sis` Aealtrgk / J`astrg ^eus / Lirrus `ko

0> | ^ ` d a
@jaril`k Axprass Lraoit / Lb`rda l`robgeoars l`k `llass tba F`km's @_J katwgrm.
_baa F`km'
_b F`km'ss sb`ras
sb`ras `ra eist
eistao
ao gk tb
tbaa Fgjf
Fgjf`y
`y Ei
Eiji
jita
tao
o \tglm
\tglm Axlb
Axlb`kd
`kdaa `ko Ikoi`
Ikoi`
K`tigk`e \tglm Axlb`kda Eto. _ba F`km's @jaril`k Oapgsitgry \b`ras (@O\) `ra
eistao gk tba Kaw Ygrm \tglm Axlb`kda (KY\A) `ko tba Degf`e Larticil`tas gc Oapgsit
(DOV) gc tba F`km. F`km. gk tba Euxajfgurd \tglm Axlb`kda. BOCL F`km Eto w`s
w`s

cgrjao gk @udust <>, 099? fy Bgusikd Oavaegpjakt Cik`kla Lgrpgr`tigk Eto. Ik

099?, Bgusikd Oavaegpjakt
Oavaegpjakt Cik`kla Lgrpgr`tigk
Lgrpgr`tigk Eto w`s gka gc tba cirst tg ralaiva nn
ik priklipea '' `pprgv`e
`pprgv`e crgj tba Vasarva F`km gc tba Qkita
Qkitao
o \t`tas. ast`feisb
ast`feisb ` priv`ta
saltgr
saltgr f`km `s p`rt gc tba VFI's eifar`ei
eifar`eiz`ti
z`tigk
gk gc tba Ikoi`k
Ikoi`k f`kmikd
f`kmikd saltgr.
saltgr. BOCL
BOCL
F`km fad`k gpar`tikd `s ` radistarao
radistarao lgjjarli`e f`km ik H`ku`ry 0991. V`jgk Bgusa
Lburlbd`ta
Lburlbd`ta fr`klb gpakao gk H`ku`ry
H`ku`ry 03, 0991 `s tba f`km's
f`km's cirst fr`klb.
fr`klb. Ik J`rlb
0991, BOCL F`km e`uklbao `k ikiti`e pufeil gccarikd (I^G) gc Vs 1> jieeigk (bgeoikd
sb`ras gc Vs 1 jieeigk tg Vs 0> a`lb `t p`r), rasuetikd ik ` ralgro 11 tijas tba kujfar
gc sufslriptigks ik axlass. BOCL F`km w`s eistao gk tba Fgjf`y \tglm Axlb`kda gk

J`y 09, 0991. _ba f`km w`s eistao gk tba K`tigk`e \tglm Axlb`kda gk Kgvajfar 2,
0991.. Ik 0993, tba F`km w`s oasidk`t
0991 oasidk`tao
ao `s ` lea`rik
lea`rikd
d f`km fy tba K\LLE.
K\LLE. Vat`ie
Vat`ie

ikvastjakt `ovisgry sarvilas wara e`uklbao ik 0994.

EGDG @KO _@DEIKA GC BOCL F@KM

EGDG-

_@DEIKA- Ta ukoarst`ko
ukoarst`ko ygur wgreo

6.0.6 JI\\IGK & SI\IGK GC BOCL F@KM

JI\\IGK

00 | ^ ` d a
I. Tgreo Le`ss Ikoi`k F`km

II.
II. Fakl
Faklbj
bj`r
`rmi
mikd
kd `d
`d`i
`iks
kstt ik
ikta
tark
rk`t
`tig
igk`
k`ee st`k
st`ko`
o`ro
ros.
s.

III.
III. _g fui
fuieo
eo sguk
sguko
o lust
lustgj
gjar
ar cr`
cr`klb
klbis
isas
as `lr
`lrgss
gss oisti
oistikl
kltt fusik
fusikass
assas
as

IS..
IS Fast
Fast pr`l
pr`lti
tila
lass ik tarj
tarjss gc pr
prgo
goul
ultt gc
gcca
cari
rikd
kds,
s, talb
talbkg
kgeg
egdy
dy,, sarv
sarvil
ilaa eava
eavaes
es,, ri
rism
sm

j`k`dajakt `ko `uoit & lgjpei`kla

SI\IGK \_@_AJAK_ GC BOCL F@KM

_ba BOCL F`km is lgjjittao tg j`ikt`ik tba bidbast eavae gc atbil`e st`ko`ros, prgcassigk`e
iktadrity `ko radue`tgry lgjpei`kla. BOCL F`km’s fusikass pbiegsgpby is f`sao gk cgur lgra
v`euas sulb `s8-

I. Gpar`tigk`e ax
axlaeeakla.

II. Lustgjar Cglus.

III. ^rgoult ea`oarsbip

IS. ^agpea.

_ba gfhaltiva gc tba BOCL F`km is tg prgvioa its t`rdat j`rmat lustgjars ` cuee r`kda gc
cik`kli`e prgoults `ko f`kmikd sarvilas, divikd tba lustgjar ` gka-stap wikogw cgr `ee
bis/bar raquirajakts. _ba BOCL F`km peus `ko tba ikvastjakt `ovisgry sarvilas prgdr`js
b`va
b`va faak
faak oasid
oasidkao
kao ma
maapi
apikd
kd ik jiko
jiko kaaos
kaaos gc lustgj
lustgjars
ars wbg
wbg saams
saams oisti
oistikl
kltt cik`kl
cik`kli`
i`ee
sgeutigks, ikcgrj`tigk `ko `ovila gk v`rigus ikvastjakt `vakuas

6.0.< @lbiavajakts `ko `w`ros

06 | ^ ` d a
 CL F@KM fad`k gpar`tigks ik 0991 witb ` sijpea jissigk tg fa ` wgro le`ss Ikoi`k
BOCL
BO
f`km wa ra`eisao tb`t gkey ` \idea jikoao cglus gk prgoult qu`eity `ko sarvila axlaeeakla
wgueo baep us dat tbara tgo`y wa `ra prguo tg s`y tb`t wa `ra waee gk gur w`y tgw`ros tb`t
dg`e.

It is axtrajaey
axtrajaey dr`ticyikd tb`t gur accgrts tgw`ros
tgw`ros prgvioikd lustgjar lgkvakiakla b`va faak
`pprali`tao fgtb k`tigk`eey `ko iktark`tigk`eey

 PIJ^VG @w`ros 6>09 - PIJ^VG ^e`tikuj \t`ko`ro @w`ros 6>09 - K`tigk`e

\t`tasj`k cgr Pu`eity ik Fusikass
 _ba algkgjil tija - Kg \egwogwk ik Oaj`ko Ourikd A`rey Castiva \a`sgk
 PIJ^VG @w`ros 6>09 Tiee usa t`x fra`ms tg drgw, p`ss gk fakacits, s`ys ^uri _ba
Algkgjil _ijas
 Fr`koz _gp 41 Jgst S`eu`fea Ikoi`k Fr`kos - BOCL F`km - Ikoi`'s Jgst S`eu`fea
Fr`ko cgr 3tb ya`r ik ` 6>09 rgw I
 ikstrultigk`e Ikvastgr @ee- @si` (ax-H`p`k) Axalutiva Lgjp`ky Eist _a`j 6>09
survay- @jgkd _ba Jgst Bgkgrao lgjp`ky eist
 Aurgjgkay @w`ros cgr Axlaeeakla 6>09 - Ikoi`'s Fast F`km
 Dgvark`kla kgw FO\I `w`ros 6>09 “ oidit`e f`km , talb trakosattar
 _ba f`kmar f`km gc tba ya`r `w`ros6>02- f`km gc tba ya`r Ikoi`
 _ba f`kmar degf`e priv`ta f`kmikd `w`ros6>02- fast priv`ta f`km ik Ikoi`
 Cgrfas wgreo fast f`km rapgrt “ kg 0 f`km ik Ikoi`

6.0.? FGVO GC OIVAL_GV\

0< | ^ ` d a
Lb`irj`k Jr. H`doisb l`pggr
J`k`dikd oiraltgr Jr. @oity` puri
Vadigk`e ba`o Jr. Dgviko ^`koay
Xgk`e ba`o Jr. Sikaat @rgr`
Leustar ba`o Jr. @jit D`d`kah`
Fr`klb ba`o Jr. \`khaav Hiko`e

@ssist`kt j`k`dar Jr. Sim`s Lbgpr`

Vae`tigk j`k`dar Jr. J`kgh j`kdea

6.6 _BVAA FQ\IKA\\ QKI_\

0? | ^ ` d a
 BOCL f`km sarvas ` wioa r`kda gc f`kmikd sarvilas lgvarikd lgjjarli`e `ko ikvastjakt
f`kmikd gk tba wbgeas`ea sioa `ko f`km / fr`klb tr`ks`ltigks gk tba rat`ie sioa, tba f`km b`s
tbraa may fusikassas

g Tbgeas`ea f`kmikd

g
Vat`ie f`kmikd sarvilas
g _ra`sury

0. Tbgeas`ea f`kmikd
_ba f`km’s t`rdat j`rmat is j`ikey e`rda j`kuc`lturikd lgjp`kias, it is tba Ikoi`k
lgrpgr`ta saltgr `ko, tg ` eassar axtakt, sj`ee `ko jaoiuj-sizao aktarprisas `ko
`driluetur`e lgjp`kias cgr tbasa leiakts, tba f`km gccars ` wioa r`kda gc lgjjarli`e
`ko tr`ks`ltigk`e f`kmikd sarvilas, ikleuoikd wgrmikd l`pit`e cik`klikd. , fusikass
sarvilas, tr`ks`ltigk`e sarvilas, l`sb j`k`dajakt, atl. _ba f`km is `esg ` ea`oikd

prgvioar gc strulturao
strultu rao sgeutigks, lgjfikikd eiquioity j`k`dajakt sarvilas
sa rvilas witb
suppeiar `ko rasaeear cik`klikd tg c`lieit`ta fattar suppey lb`ik j`k`dajakt cgr its
lgrpgr`ta leiakts. F`sao gk its suparigr eavaes gc prgoult / sarvila oaeivary `ko strgkd
lustgjar griakt`tigk, tba F`km b`s j`oa sidkicil`kt prgdrass ik tba f`kmikd
sykoil`tas gc ` kujfar gc j`hgr Ikoi`k lgjp`kias, ikleuoikd juetik`tigk`es,
ogjastil tr`oikd cirjs `ko pufeil saltgr lgjp`kias. It is ralgdkizao `s ` ea`oikd
prgvioar gc eiquioity j`k`dajakt `ko f`kmikd tr`ks`ltigk
tr` ks`ltigk sgeutigks cgr lgrpgr`ta
leiakts, jutu`e cukos, stglm axlb`kda jajfars `ko f`kms.

6. Vat`ie f`kmikd sarvilas

_ba rat`ie f`km’s dg`e is tg prgvioa its t`rdat j`rmat lustgjars witb ` cuee r`kda gc
cik`kli`e prgoults `ko f`kmikd sarvilas, prgvioikd tba lustgjar witb ` gka-stgp sbgp
cgr `ee tbair f`kmikd kaaos. _ba prgoults `ra f`lmao fy wgreo-le`ss sarvila `ko `ra
oaeivarao tg lustgjars tbrgudb tba drgwikd fr`klb katwgrm, `s waee `s tbrgudb
`etark`tiva oaeivary lb`kkaes sulb `s @_Js, taeapbgka f`kmikd, katwgrm f`kmikd `ko
jgfiea f`kmikd. BOCL F`km’s
F`km’s Bidb-Kat Tgrtb ^racarrao
^racarrao ^rgdr`j, BOCL F`km
^eus `ko Ikvastjakt @ovisgry \arvilas prgdr`js b`va faak oasidkao witb tba kaaos
gc leiakts eggmikd cgr oiccarakt cik`kli`e sgeutigks, ikcgrj`tigk `ko `ovila gk v`rigus

ikvastjakt `vakuas ik jiko. _ba F`km `esg b`s ` wioa r`kda gc rat`ie eakoikd

01 | ^ ` d a
 ikleuoikd
prgoults ikleuoik d l`r eg`ks, j`rmat`fea saluritias
salu ritias eg`ks, parsgk`e
parsgk` e eg`ks `ko twg-
wbaaear eg`ks. It is `esg ` ea`oikd prgvioar gc oapgsit`ry p`rtilip`kt (O^) sarvilas cgr
rat`ie leiakts, gccarikd leiakts tba `fieity tg bgeo tbair ikvastjakts aealtrgkil`eey.

<. _ra`sury

Titbik tbis fusikass, tba f`km b`s tbraa j`ik prgoult `ra`s8 cgraidk axlb`kda `ko
oariv`tivas, egl`e lurrakly jgkay j`rmat, `ko oaft `ko aquity saluritias. Titb tba
eifar`eiz`tigk gc cik`kli`e j`rmats ik Ikoi`, lgjp`kias kaao jgra sgpbistil`tao
prgoult strulturas,
strulturas , `ovila `ko ikcgrj`tigk gk
g k rism j`k`dajakt. _basa `ko tba bidbar
prilas cgr v`rigus tra`sury
tr a`sury prgoults `ra prgvioao
p rgvioao tbrgudb tba f`km’s
f `km’s tra`sury ta`j.
_g jaat tba ead`e rasarva raquirajakts, tba f`km just bgeo 61% gc its dgvarkjakt
fgko oapgsits. _ba _ra`sury fusikass is raspgksifea
ras pgksifea cgr j`k`dikd tba
tb a prgcit`fieity
`ko j`rmat rism gc tbis ikvastjakt pgrtcgeig.
_ba _ra`sury is tba oapgsit`ry gc tba F`km’s l`sb `ko j`k`das its ikvastjakts ik

saluritias `ko gtbar j`rmat ikstrujakts.

6.< ^rgoults `ko sarvilas

03 | ^ ` d a
0) ^a
^arsg
rsgk`
k`ee f`kmi
f`kmikd
kd sarv
sarvila
ilass

@. @l
@llgu
lgukt
kt & oa
oapg
pgsit
sitss
g Lurrakt `llgukt
g \`vikd `llgukt
g Cixao oapgsit
g Oaj`t `llgukt
g Valurrikd oapgsit
g \`ca oapgsit eglmar

F. Eg`ks
g ^arsgk`e eg`ks
g Bgja eg`k
g _wg wbaaear eg`k
g L`r eg`k
g Axprass eg`k
g Eg`k `d`ikst prgparty
g Eg`k `d`ikst saluritias
g Tgrmikd l`pit`e cik`kla
g Lgjjarli`e vabilea cik`kla

L. Ikva
Ikvastja
stjakts
kts & iksu
iksur`k
r`kla
la
g
Jutu`e cukos
g Iksur`kla
g Cik`kli`e pe`kkikd
g Aquitias& oariv`tivas
g Fgkos

O. ^`
^`yj
yjak
akts
ts sarv
sarvil
ilas
as
g Fiee p`y
g Oiralt p`y

04 | ^ ` d a
 g Kat s`ca
g Axlisa & sarvila t`x p`yjakt
g Sis` jgkay tr`kscar

A. L`ros
g Lraoit l`ro
g Oafit l`ro
g ^e`tikuj peus lraoit l`ro
g BOCL f`km ioa` sievar l`ro
g BOCL f`km ioa` dgeo l`ro

C. @l
@lla
lass
ss yg
ygur
ur f`
f`km
km
g @_J
g ^bgka f`kmikd
g Jgfiea f`kmikd
g Ikst` `earts
g Fr`klb katwgrm

D. Cg
Cgrax
rax sar
sarvil
vilas
as
g _r`oa cik`kla
g Cgraidk lurrakly l`sb
g Cgraidk lurrakly lbaqua oapgsits
g Cgrax peus l`ro

6) KV
KVII f`k
f`kmi
mikd
kd sar
sarvi
vilas
las
g Kat s`ca
g Fiee p`y
g Oiralt p`y
g Ikst` p`y
g Vupaa s`vikds `/l
g Vupaa lurrakt `/l

02 | ^ ` d a
 g Vupaa cixao oapgsits
g Sis` jgkay
g Gkeika ogk`tigk
g ^`yjakt sarvilas

<) Tb
Tbge
geas`
as`ea
ea f`km
f`kmik
ikd
d sarvil
sarvilas
as
g Cuko tr`kscar
g @_J
g Jutu`e cuko
g \tglm frgmars
g Iksur`kla lgjp`kias
g Cukoao sarvilas
g Kgk cukoao sarvilas
g
Iktarkat f`kmikd
g _`x lgeealtigk
g Lgrpgr`ta s`e`ry `/l
g S`eua `ooao sarvilas
g Lgjjgoitias fusikass

09 | ^ ` d a
6.? Fusikass cglus

BOCL F`km's jissigk is tg fa ` wgreo-le

wgreo-le`ss
`ss Ikoi`k f`km. _ba dg`e is tg fuieo strgkd
jueti-lgjp`ky
jueti-lgjp`ky lustgjar cr`klbisas
cr`klbisas tg fa tba pracarrao f`kmikd sarvila prgvioar cgr t`rdatao
rat`ie `ko wbgeas`ea lustgjar sadjakts `ko `lbiava ba`etby prgcit`fieity drgwtb lgksistakt
witb
witb tba f`km
f`km's
's rism `ppatita.
`ppatita. _ba f`km is lgjjittao
lgjjittao tg j`i
j`ikt`i
kt`ikikd
kikd tba bidbast
bidbast eavae gc
atbil`e st`ko`ros, prgcassigk`e iktadrity, lgrpgr`ta dgvark`kla `ko radue`tgry lgjpei`kla.
BOCL F`km's lgrpgr`ta pbiegsgpby is f`sao gk cgur lgra v`euas8 lustgjar cglus, gpar`tigk`e
axlaeeakla, prgoult `ko prgoult ea`oarsbip.

6.? _ALBKGEGDY Q\AO IK _BA BOCL F@KM

Ik tba ar`
ar` gc degf`eiz`tig
degf`eiz`tigk,
k, a`lb saltgr
saltgr b`s c`lao
c`lao sticc
sticc lgjpatitigk
lgjpatitigk crgj
crgj its riv`es.
riv`es. @ko tba
wgreo b`s `esg turkao iktg tba pe`ka gc tba degfa. @ctar tba eifar`eiz`tigk pgeily `ko tba VFI's
ikiti`tivas tg dg tbrgudb priv`ta saltgr f`kms, jgra `ko jgra lb`kdas `ra faikd iklgrpgr`tao.
@ko lgjpatitigk is lra`tao fatwaak priv`ta saltgr f`kms `ko pufeil saltgr f`kms.

_go`y,
_go`y, priv`
priv`ta
ta saltg
saltgrr f`kms
f`kms usa tba
tba e`tast
e`tast talb
talbkgeg
kgegdy
dy cgr v`ri
v`rigus
gus o`y-t
o`y-tg-o`
g-o`y
y f`kmikd
f`kmikd
tr`ks`ltigks.
tr`ks`ltigks. @s wa mkgw, ikcgrj`tigk
ikcgrj`tigk talbkgegdy
talbkgegdy pe`ys ` vit`e rgea ik avary ikoustry `ko
gccars gptij`e
gptij`e parcgrj`kla
parcgrj`kla gc eijitao rasgurlas.
rasgurlas. F`kms `ra sarvila ikoustrias
ikoustrias `ko tgo`y I_
prgvioas tba `ppeil`tigk
`ppeil`t igk gc
g c ikkgv`tiva talbkgegdias tg tba f`kmikd ikoustrias.
ik oustrias. BOCL F@KM
is tba ikoustry ea`oar `ko tgo`y, tgdatbar, I_ `ko BOCL F@KM tgdatbar b`va ra`lbao tba
smy. Kaw talbkgegdy
talbkgegdy b`s lb`kdao tba jikosat gc lustgjars
lustgjars `ko lb`kdao tba lgklapt
lgklapt gc tba
f`km tr`ks`ltigk bistgry quaua. _go`y, savar`e lb`kkaes `ra `v`ie`fea cgr f`kmikd
tr`ks`ltigks.

6> | ^ ` d a
6.1 L`pit`e \trultura

@s gk <> - Huka-6>09 tba `utbgrizao sb`ra l`pit`e gc tba F`km is Vs. 31> lrgra. _ba p`io-up
sb`ra l`pit`e gc tba F`km `s gk tba s`io o`ta is Vs 1?3,13,6?,1?6 /- wbilb is lgjprisikd gc
64<,62,06,640 aquity sb`ras gc tba c`la v`eua gc Vs 6/- a`lb. _ba BOCL Drgup bgeos 60.<0
% gc tba F`km's aquity `ko `fgut 02.20 % gc tba aquity is baeo fy tba @O\ / DOV
Oapgsit
Oapgsitgria
griass (ik rasp
raspalt
alt gc tba f`km
f`km's
's @ja
@jaril
ril`k
`k Oap
Oapgsit
gsitgry
gry \b`r
\b`ras
as (@O
(@O\)
\) `ko Deg
Degf`e
f`e
Oapgsitgry Valaipts (DOV) Issuas). <0.<4 % gc tba aquity is baeo fy Cgraidk Ikstitutigk`e
Ikvastgrs (CIIs) `ko tba F`km b`s 3,1<,2?< sb`rabgeoars. _ba sb`ras `ra eistao gk tba F\A

Eijitao
Eijitao `ko _b
_baa K`
K`ti
tigk`
gk`ee \t
\tglm
glm Axlb
Axlb`kd
`kdaa gc Iko
Ikoi`
i` Ei
Eiji
jitao
tao.. _b
_baa F`
F`km'
km'ss @j
@jar
aril
il`k
`k
Oapgsitgry \b`ras (@O\) `ra eistao gk tba Kaw Ygrm \tglm Axlb`kda (KY\A) ukoar tba
syjfge 'BOF' `ko tba F`km's Degf`e Oapgsitgry Valaipts (DOVs) `ra eistao gk Euxajfgurd
\tglm Axlb`kda ukoar I\IK Kg Q\?>?01C6>>6.

6.1 FQ\IKA\\ \_V@_ADY

BOCL
BOCL F@KM
F@KM’s
’s jissi
jissigk
gk is tg fa ―` wgreo
wgreo-le
-le`s
`sss Ikoi`k
Ikoi`k f`km‚,
f`km‚, `fea
`fea tg wit
witbst
bst`ko
`ko

iktark`tigk`e st`ko`ros `ko fast pr`ltilas ik tarjs gc prgoult gccarikd, talbkgegdy, sarvila
eavaes, rism j`k`dajakt
j`k`dajakt,, `uoitikd `ko lgjpei`kla.
lgjpei`kla. _ba `ij is tg lra`ta strgkd lustgjar
lustgjar
cr`klbisas `lrgss juetipea lgjp`kias tg fa ` pracarrao prgvioar gc f`kmikd sarvilas tg tba
t`rdat rat`ie `ko wbgeas`ea lustgjar sadjakts `ko tg `lbiava ba`etby prgcit`fieity drgwtb
lgksistakt witb tba F`km’s rism `ppatita. _ba F`km is lgjjittao
lgjjittao tg ogikd sg fy du`r`ktaaikd
tba bidb
bidbast
ast eava
eavaes
es gc atbi
atbil`e
l`e st`k
st`ko`ro
o`ros,
s, prgc
prgcassi
assigk`e
gk`e ikt
iktadri
adrity,
ty, lgrp
lgrpgr`t
gr`taa dgva
dgvark`k
rk`kla
la `ko
radue`tgry
radue`tgry lgjpei`kla.
lgjpei`kla. Lgktikui
Lgktikuikd
kd tg oavaegp kaw prgoults `ko talbkgegdias
talbkgegdias is tba f`km’s
j`ik
j`ik fusi
fusikass
kass str`tady.
str`tady. J`ik
J`ikt`i
t`ikikd
kikd ` dggo rae`tigk
rae`tigksbip
sbip witb lustgjar
lustgjarss is tba j`i
j`ik
k `ko
prij`ry dg`e gc tba f`km.

60 | ^ ` d a
BOCL F@KM’s fusikass str`tady ajpb`sizas tba cgeegwikd8

Iklra`sa j`rmat sb`ra ik Ikoi`’s axp`koikd f`kmikd `ko cik`kli`e sarvilas saltgr fy
cgeegwikd ` oislipeikao drgwtb str`tady tb`t cglusas gk qu`eity r`tbar tb`k qu`ktity
`ko prgvioikd bidb qu`eity lustgjar sarvila.
 _`ma `ov`kt`da gc gur gpak-sl`ea talbkgegdy pe`tcgrj `ko systajs tg oaeivar jgra
prgoults tg jgra lustgjars
lustg jars `ko lgktrge gpar`tikd
gpar`tik d lgsts.
 J`ikt
J`ikt`i
`ik
k lur
lurra
rakt
kt bid
bidb
b `ss
`ssat
at qu`
qu`ei
eity
ty st`
st`ko`
ko`ros
ros tbr
tbrgud
gudb
b ois
oisli
lipei
peika
kao
o lra
lraoi
oitt ri
rism
sm
j`k`dajakt.
 _g oavaegp ikkgv`tiva prgoults `ko sarvila
sarvilass tb`t `ttr`lt t`rdat lustgjars `ko `oorass
ikacciliaklias ik tba Ikoi`k cik`kli`e saltgr.
 Lgktikua tg oavaegp prgoults `ko sarvilas tb`t raoula tba lgst gc f`km cukos.
 Cglus gk bidb a`rkikds drgwtb witb egw vge`tieity.

6.3 \TG_ @K@E@Y\I\ GC BOCL F@KM

\_VAKD_B

 Vidbt str`tady cgr tba ridbt prgoults.

 \uparigr lustgjar sarvila vs. lgjpatitgrs.
 Dra`t Fr`ko Ij`da
 ^rgoults b`va raquirao `llraoit`tigks.
 Bidb oadraa gc lustgjar s`tisc`ltigk.
 Dggo pe`la tg wgrm

66 | ^ ` d a
  Egwar raspgksa tija witb acciliakt `ko accaltiva sarvila.
 Oaoil`tao wgrmcgrla `ijikd `t j`mikd ` egkd-tarj l`raar ik tba ciaeo.

TA@MKA\\A\

 \gja d`ps ik r`kda cgr lart`ik saltgrs.

 Lustgjar sarvila st`cc kaao tr`ikikd.
 ^rglassas `ko systajs, atl.
 J`k`dajakt lgvar iksucciliakt.
 \altgri`e drgwtb is lgkstr`ikao fy egw ukajpegyjakt eavaes `ko lgjpatitigk cgr st`cc

G^^GV_QKI_IA\

 ^rgcit j`rdiks wiee fa dggo.

 Lgueo axtako tg gvarsa`s frg`oey.
 Kaw spali`eist `ppeil`tigks.
`ppeil`tigks .
 Lgueo saam fattar lustgjar oa`es.
 C`st-tr`lm l`raar oavaegpjakt gppgrtukitias gk `k ikoustry-wioa F`kms
 @k `ppeiao
`ppeiao rasa`rlb
rasa`rlb laktra
laktra tg lra`ta
lra`ta gppgrtu
gppgrtukiti
kitias
as cgr oavaegpi
oavaegpikd
kd talbkiq
talbkiquas
uas tg

prgvioa `ooao-v`eua
`ooao-v `eua sarvilas

_BVA@_\
 Eadise`tigk lgueo ijp`lt.
 Dra`t rism ikvgevao
 Sary bidb lgjpatitigk prav`ieikd ik tba ikoustry.
 Suekar`fea tg ra`ltiva
 `tt`lm fy j`hgr lgjpatitgrs

 E`lm gc ikcr`strultura ik rur`e `ra`s lgueo lgkstr`ik ikvastjakt.

6< | ^ ` d a
  Bidb vgeuja/egw lgst j`rmat is iktaksaey lgjpatitiva

LB@^_AV8 6

Eitar`tura raviaw

iko` Oazs s`ys, parsgk`e eg`k oa`es witb tba sgli`e, algkgjil `ko psylbgegdil`e jalb`kisjs
tb`t iklra`sa tba eimaeibggo gc rap`yjakt, ikleuoikd sgli`e s`kltigks, paar jgkitgrikd `ko tba
jutu`e iktaroapakoakla lra`tao fy hgikt ei`fieity. Eg`ks b`va `esg ralaivao kaw iktarast ik
tba
tba `ctar
`ctarj`
j`tb
tb gc tb
tbaa jgrtd
jgrtd`da
`da lrisi
lrisis,
s, wi
witb
tb rasa`
rasa`rlb
rlb `o
`oora
orassi
ssikd
kd sulb
sulb oivar
oivarsa
sa tgpi
tgpils
ls `s
cgralegsura, prap`yjakt, prao`tgry eakoikd pr`ltilas, rism-r`tikds `ko jis`eidkao fy fgtb
fgrrgwars `ko eakoars, Faygko tba gfvigus oiccaraklas ik tba p`rtias ikvgevao ik parsgk`e
eg`ks, parsgk`e eg`ks `esg oiccar gk ` kujfar gc gtbar oijaksigks. Titb parsgk`e eg`ks, ik
lgktr`st tg lgjjarli`e eg`ks, tbara typil`eey kg writtak lgktr`lt, iktarast is r`raey p`io gr
axpaltao, `ko tbay `ra `ejgst kavar lgee`tar`eizao, Divak tba `fsakla gc ` cgrj`e lgktr`lt,
`ko tba e`lm gc lgee`tar`e `ko iktarjaoi`tigk, parsgk`e eg`ks l`k fa lgksioarao ` miko gc
rae`tigk`e lgktr`lt. ^arsgk`e eg`ks raey ba`viey gk dggo wiee `ko trust fatwaak tba fgrrgwar
`ko eakoar. _bis raei`kla gk trust b`s fgtb tip-sioa `ko ogwk-sioa pgtakti`e.

Gzeaj Ada Grua axpe`iks tba fakacits gc iktarkat f`kmikd, lgjjukil`tigk `ko lgkvakiakla
ik tbis p`par. _bgudb f`km b`s j`oa c`lieitias tg sarva tba lustgjars crgj `ky egl`tigk `ko
`t `ky tija usikd tba iktarkat f`kmikd, j`ky gc tbaj stiee oiok't usa tbasa c`lieitias cgr savar`e
ra
ra`sg
`sgks,
ks, Bakl
Baklaa tbasa
tbasa `utbgr
`utbgrss tggm
tggm ` stap
stap tg j`ma
j`ma pagpea
pagpea `w`ra
`w`ra gc tbasa
tbasa c`
c`lie
lieit
itia
ias.
s. _g
ukoarst`ko tba prgfeajs, ` strultur`e aqu`tigk jgoae gc Iktarkat f`kmikd usao ik Ogmuz
Ayeue Qkivarsity's `l`oajili`ks w`s oavaegpao. _bay usao ` survay ikstrujakt d`tbar o`t` tg
astij`ta tba prgpgsao rasa`rlb jgoae. _bus tba rasuets baeps tg mkgw tba c`ltgrs tb`t `ccalt
iktarkat f`kmikd `ko baeps tg mkgw tba fakacits gc iktarkat f`kmikd.

F`b`r \`k ei oaslrifas tba stuoy `ko ax`jikikd gc tba waf f`kmikd tgges faikd ijpeajaktao
ik _urmisb f`kmikd ikoustry. _ba stuoy `esg ikvastid`tas tba accaltivakass gc _urmisb f`kmikd

6? | ^ ` d a
ikoustry fy ja`ks gc ikkgv`tiva prgoults `ko prglassas j`oa fy waf f`kmikd prgoult
lb`kkaes usao ik _urmay witb ` strultur`e `k`eysis. _ba stuoy cikos gut tba sgeutigk tb`t, tba
iktarkatt f`kmikd is kgt up tg eavae ik _urmay `ko suddastigks tg gvarlgja it. _bay b`o divak
iktarka
pral`utigk`ry staps cgr Gvarlgjikd le`sb fatwaak waf ikcr`strultura `ko f`kmikd ikoustry
salurity, oivarsicil`tigk gc fukmikd prgoults, strakdtbakikd tba lgjprabaksigk gc takoakly gc

us
usik
ikd
d waf
waf f`
f`km
kmik
ikd,
d, wiee
wiee fa acca
accalt
ltiv
ivaa gk sp
spaa
aaoi
oikd
kd-u
-up
p oa
oava
vaeg
egpj
pjak
aktt gc waf
waf f`
f`km
kmik
ikd
d
iklra`sikdey.

M. F`tu _uk`y`. oaslrifas tba stuoy gc tba iktar`ltigk fatwaak iktarkat f`kmikd `ko f`km
parcgrj`kla is ikvastid`tao fy p`kae l`us`eity tasts. F`kmikd o`t` gc <> Aurgpa`k lguktrias
`k`eysao fy Oajitraslu - Bureik p`kae l`us`eity tast cgr tba parigo 6>>1-6>0<. VG@ `ko
VGA r`tigs wara usao `s ja`suras gc f`km parcgrj`kla. Kgt gkey wbgea sijpea lgksistikd gc
Aurg @ra` `ko tba gtbars fut `esg Aurg @ra` `ko tba gtbar lguktrias ik Aurgpa lgksioarao
lgksioarao `s
s`jpeas `ko tastao twg suf-s`jpeas. Vasuets sbgw tb`t ` \trgkd rae`tigksbip tbrgudb iktarkat
f`kmikd tg tba
tb a f`km parcgrj`kla
parc grj`kla ik tba Aurg @ra` lguktrias
lguk trias `ko cgr tba rast gc tba Aurg @ra`
lguktrias `ra `esg kgt oatarjikao l`us`tigk sidkicil`ktey ik fgtb oiraltigks

Jgbsak J`z`bari @s`o `ttajpts tg stuoy tba may c`ltgrs `ccaltikd lustgjar s`tisc`ltigk ik
iktarkat f`kmikd systaj tg prigritizikd f`sao gk l`usa `ko accalt rae`tigksbips. _bara `ra
savak j`ik c`ltgrs wara ioakticiao `s jgst ijpgrt`kt c`ltgrs `ccaltikd lustgjar s`tisc`ltigk
ik iktarkat f`kmikd wbilb tgt`eey ikleuoa 64 ja`surajakt
ja`surajakt itajs. _bak, tg av`eu`ta
av`eu`ta tba l`usa
`ko accalt rae`tigksbips gc c`ltgrs `k gkeika quastigkk`ira b`s faak prap`rao `ko `k`eysao `ko
tba c`ltgrs `ccaltikd tba iktarkat fukmikd `ra ioakticiao.

\ayaojabro`o Jirpguri`k s`ys tba rap`yjakt parcgrj`kla gc fgrrgwars gc ` kgk-prgcit

Ikoi`k Jiargcik`kla ikstitutigk, tba Ikoi`k Ikstituta cgr Jgtbar `ko Lbieo - IIJL, usikd `
kgvae o`t` sat. _bay lgeealtao o`t` crgj gvar 03>> fgrrgwars wbg rap`io tba eg`k `jgukt
witbik tba tija eijit prgvioao fy tba f`km. _ba cik`e s`jpea cgr tba ajpiril`e `k`eysas is
bgjgdakagus ik tarjs gc fgrrgwars' lb`r`ltaristils `ko ikleuoas tba ikst`ejakts gc <4<
eg`ks
eg`ks,, Ta cglus
cglus gk ` rae`
rae`ti
tivae
vaey
y ka
kadea
dealt
ltao
ao issua
issua ik tba jilr
jilrglr
glraoi
aoitt eita
eitar`
r`tur
tura,
a, viz tba
jgtiv`tigk gc tba fgrrgwar cgr ralaivikd cutura eg`ks. _bus tba Ajpiril`e rasuets sbgw tb`t
tba rap`yjakt r`ta ijprgvas `s fgrrgwars dat legsar tg tba eg`k eijit, wbilb
wbilb is tba j`xijuj

61 | ^ ` d a
`v`ie`feaa eg`k. Ik gtbar wgros, jgtiv`tigk
`v`ie`fe jgtiv`tigk cgr ra`lbikd tba j`xijuj eg`k eavae is pgsitivaey
`ssgli`tao tg tba rap`yjakt parcgrj`kla.

LB@^_AV8 <

GFHAL_ISA\ GC _BA \_QOY

 _g stuoy tba lraoit `k`eysis is tg eggm `t fgtb tba fgrrgwar `ko tba c`lieity faikd

prgpgsao `ko tg `ssidk

`ss idk ` rism r`tikd
 _g stuoy tba eg`k pgeilias gc tba f`km
 _g stuoy tba lraoit `ppr`is`e
 _g stuoy tba v`rigus typas gc eg`k `ko `ov`klas
 _g stuoy tba oglujakts raquirao cgr eg`k s`kltigkikd prglaoura
 _g stuoy `fgut parsgk`e eg`k oisfursajakt fy BOCL f`km
 _g mkgw `fgut tba sbgrt tarj k egw lgst parsgk`e eg`k

63 | ^ ` d a
 LB@^_AV8 ?

^AV\GK@E EG@K

1.0. Tb`t is Eg`k 7

Eg`k
Eg`k is ` eakoikd
eakoikd jatbgo
jatbgo wbarafy
wbarafy tba f`km dr`kt
dr`ktss lraoit
lraoit tg ` fgrrgwar
fgrrgwar cgr ` spalicia
spaliciao
o
parigo `ko cgr ` spalicil purpgsa. Eg`ks `ra prgjisas gc cutura rap`yjakt, just fa rap`io
gvar parigos egkdar tb`k gka ya`r `ko `ra tbaracgra egkd-tarj ei`fieitias.

Ik gtbar wgros,
wgros, "wbak
"wbak ` f`kmar
f`kmar j`mas
j`mas `k `ov`kla
`ov`kla gk ` eujp suj
suj tb`t l`kkgt fa p`io
p`io ik
wbgea gr ik p`rt `ko tb`t tba lustgjar l`k witbor`w e`tar, it is l`eeao ` eg`k."

J`ky tijas, ` fgrrgwar kaaos cukos cgr cixao `ssats gr cgr kgk-raspaltiva `ssats `ko tbak
saams
saams jgkay
jgkay crgj tba f`km wbilb
wbilb is wi
witbo
tbor`w
r`wk
k ik ` sikdea
sikdea suj.
suj. _ba
_ba eg`k
eg`k `jguk
`jguktt is
kgrj`eey p`io ik ikstieejakts. _ba eg`k l`k fa cixao-tarj, jaoiuj gr egkd tarj.

Eg`ks `ko `ov`klas `ra le`ssiciao `s salurao `ko uksalurao.

• salurao eg`k gr `ov`kla8 -

Du`r`ktaao eg`k gr `ov`kla ja`ks ` ―Eg`k gr `ov`kla j`oa gk tba salurity gc `ssats. _ba
j`rmat v`eua gc wbilb is `t kg tija egwar tb`k tba `jgukt gc s`io eg`k gr `ov`kla ".

• Qksalurao eg`k gr `ov`kla8 -

@k uksalurao
uksalurao eg`k
eg`k gr `ov`kla ja`ks
ja`ks `k "uksalurao
"uksalurao eg`k gr `ov`kla".
`ov`kla". @ p`rti`eey
p`rti`eey lgvarao
lgvarao
eg`k gr `ov`kla is p`rti`eey lgvarao fy tba `ssat lgee`tar`e `ko tba j`rmat v`eua gc sulb

saluritias is eass tb`k tba `jgukt eakt gr gutst`koikd `t `ky tija. "

64 | ^ ` d a
 J`ky tijas pagpea wgueo b`va axpariakla
axpariaklao
o ` cik`kli`e
cik`kli`e lrisis.
lrisis. Ourikd sulb avakts,
avakts, tbay
wgueo fgrrgw jgkay
jgkay crgj tbair kaidbfgur
kaidbfgur gr `lqu`ikt`kla. _basa typas gc eg`ks `v`ie`fea
`v`ie`fea
crgj f`kms `ko gtbar cik`kli`e
cik`kli`e ikstitutigks
ikstitutigks `ra mkgwk `s parsgk`e eg`ks. @ parsgk`e eg`k l`k
fa salurao gr uksalurao,
uksalur ao, oapakoikd gk fusikass
fusik ass pr`ltilas, lraoit bistgry,
bistg ry, atl.

1.6. TB@_ I\ ^AV\GK@E EG@K

^arsgk`e eg`k baep ygu tg t`ma l`ra gc ygur ijjaoi`ta raquirajakts witbgut julb gc ` b`ssea
tba jgst `ttr`ltiva ca`turas gc tba parsgk`e eg`k is tb`t ygu og kgt b`va tg diva miko gc
salurity
salurity tg `v`ie tbis eg`k kg salurity
salurity du`r`ktgrs `ko lgee`tar`e
lgee`tar`e `ra raquirao
raquirao tg `v`ie parsgk`e
eg`k.

@esg kg quastigks rad`roikd tba ako usa gc tba eg`k `ra `smao sikla parsgk`e eg`k og kgt
raquira
raquira `ky salurit
salurity
y `ko bypgtbal
bypgtbal`tig
`tigk
k gc `ssats
`ssats tba r`ta gc iktaras
iktarastt lb`rdao
lb`rdao fy tbaj is
bidbar lgjp`rao tg `ky gtbar salurao eg`ks

^arsgk`e Eg`k ogas kgt raquira `ky lgee`tar`e `ko salurity `ko l`k fa gft`ikao witb jikij
oglujakt`tigk. BOCL f`km parsgk`e eg`k jgst pracarrao typas gc eg`k `llgukt o tbair
ceaxifea ygu l`k t`ma ygur eg`k cgr purlb`sa gc `ssats `ko lgksujar our`feas, t`x s`vikd
ikvastjakts , bidbar aoul`tigk, bgja ijprgvajakts , bgeio`ys , tr`vae, ajardakly kaaos ,
jaoil`e kaaos, j`rri`da ik c`jiey atl ik sbgrt cgr `ky oale`rao ead`e usa witbgut peaodikd
`ky salurity.

62 | ^ ` d a
Ygu j`y `esg `v`ie gc f`e`kla tr`kscar prgdr`j tg ratira `ky bidb lgst eg`k tb`t ygu j`y
b`va t`mak ikleuoikd ygur lraoit l`ro ouas fy sijpey gptikd cgr `k BOCL f`km parsgk`e
eg`k.
_ba jgst lgjjgk typas gc parsgk`e eg`k `ra8
\alurao eg`k

Qksalurao eg`k
_basa gptigk`e `ra eikmao tg tba lbgila tb`t gka l`k usa `ky cixao `ssat tg sarva `s lgee`tar`e
tg salura `k a`sy parsgk`e eg`k.

1.<. Bgw og ygu lbggsa ` parcalt parsgk`e eg`k7

_bara `ra savar`e c`ltgrs tb`t ikceuakla tba lbgila gc tba parsgk`e eg`k tb`t fast suits ygur
kaaos. _ijikd, urdakly `ko rap`yjakt l`p`lity `ra ijpgrt`kt c`ltgrs tg lgksioar.

 _ba oisfursajakt tija is tba tija wbak tba eg`k is `pprgvao. @ parsgk`e eg`k l`k fa
vary usacue cgr r`isikd cukos quilmey, aspali`eey ik tba avakt gc ` jaoil`e ajardakly.
BOCL F`km gccars ` 0> salgko parsgk`e eg`k tg pra-`pprgvao leiakts. Cgr kgk-BOCL
F`km lustgjars, it j`y t`ma up tg ? bgurs.

 Eg`k `jgukt, tarj `ko p`yjakt `ra `esg ijpgrt`kt `s tbay baep oatarjika ygur AJI.
Dattikd tba ridbt `jgukt, a`sy AJI, `ko takura ceaxifieity baep oalioa wbilb eg`k
wgrms cgr ` parsgk. BOCL F`km gccars ygu ` parsgk`e eg`k wbilb l`k `jgukt
`jgukt tg Vs.
?> e`l, cgr ` parigo r`kdikd crgj 06 tg 3> jgktbs witb a`sy AJI rap`yjakts st`rtikd
crgj Vs.
Vs. 60?9 fy e`l.

69 | ^ ` d a
  @k acciliakt eg`k prglass j`mas avarytbikd a`siar wbak eggmikd cgr ` parsgk`e eg`k.
BOCL F`km dr`kts ` parsgk`e eg`k ik 0> salgkos `ko witb jikij`e oglujakt`tigk, ic
ygu `ra ` pra-`pprgvao leiakt. Gtbarwisa, ygu l`k dat ` eg`k ik ? bgurs j`xijuj,
j`xijuj,
witb jikij`e oglujakt`tigk8 ioaktity oglujakt, prggc gc `oorass `ko prggc gc
iklgja.

 _ba iktarast r`ta `ko `ojikistr`tigk caa oatarjika tba tgt`e lgst gc tba eg`k. ^`y
`ttaktigk tg tbasa c`ltgrs facgra lbggsikd ` eg`k. BOCL F`km gccars bidbey
lgjpatitiva iktarast r`tas `ko egw prglassikd caas witb a`sy tg p`y AJI.

1.?. Tb`t `ra tba usas gc ` parsgk`e eg`k7

_bara `ra savar`e w`ys ik wbilb ` parsgk`e eg`k l`k fa usao8

 Ygu l`k usa it tg cik`kla bidbar aoul`tigk. @ko le`ij t`x fakacits gk iktarast p`yjakts.

 Taooikds `ra `ew`ys axpaksiva fusikass. Ygu l`k p`y it f`lm witb ` parsgk`e eg`k.

 Ygu l`k usa it tg fuy tb`t kaw e`ptgp gr pbgka witb tba e`tast talbkgegdy.

 @ra ygu tbikmikd gc fuyikd ` bgusa7 Gr `ra ygu pe`kkikd tg rakgv`ta ygur lurrakt bgja7

Ygu l`k j`ma it b`ppak witb ` parsgk`e eg`k, witb t`x fakacits tg fadik witb.

 Ygu ogk't kaao tg spako `ee ygur s`vikds gk tba v`l`tigk trip gc ygur ora`js. Ygu l`k
cik`kla ygur tr`vaes witb ` parsgk`e tr`vae eg`k.

 L`sb cegw prgfeajs l`k `esg fa sgevao witb ` sj`ee parsgk`e eg`k, sg ygu ogk't b`va tg
s`lricila o`iey kaaos ourikd ` l`sb lrisis.

<> | ^ ` d a
1.1. Lb`r`ltaristils gc tba BOCL parsgk`e f`km eg`k

BOCL F`km
F`km gccars ` parsgk`e eg`k cgr jgst cik`kli`e, parsgk
parsgk`e
`e gr prgcassigk`e kaaos, witb
witb
`ttr`ltiva ca`turas `ko fakacits. _basa `ra sgja gc tba j`ik ca`turas gc ` parsgk`e f`km eg`k8

0) \pali`e gccars cgr wgjak8 BOCL F`km gccars oislguktao prgdr`js cgr wgjak ukoar
tba BOCL ^arsgk`e
^arsgk`e Eg`k Oiv` prgdr`j.
prgdr`j. Qkoar tbis slbaja,
slbaja, tba BOCL f`km gccar
gccarss
pra-`pprgvao parsgk`e eg`ks gc Vs < E`mb tg caj`ea `ppeil`kts `egkd witb v`rigus
prajiuj fr`kos `ko prgoult
prg oult gccarikds crgj tba f`km.
f`k m.
6) Jikijuj Oglujakt`tigk8 Cgr its axistikd leiakts, BOCL F`km gccars st`cc witb
MYL oglujakts.
oglujakts. Bgwavar,
Bgwavar, cgr kaw lustgjars,
lustgjars, oglujakts rae`tikd
rae`tikd tg `k ioaktity
oglujakt, iklgja st`tajakt, `ko bgja oat`ies `ra raquirao.
<) Iktarastikd iktarast r`ta8 BOCL f`km gccars vary lgjpatitiva
lgjpatitiva parsgk`e eg`k iktarast
r`tas gc up tg 0>.1>% par `kkuj cgr ` eg`k gc `t ea`st ₹ 1>,>>>.
?) ^arsgk`
^arsgk`ee Ikhury Lgvar`da8 BOCL F`km gccars ` ukiqua prgtaltigk pe`k `s `k
`ooitigk`e
`ooitigk`e ca`tura gc tba parsgk`e eg`k.
eg`k. @k `ppeil`kt
`ppeil`kt l`k p`y ` kgjik`e prajiuj `ko
l`k qu`eicy
qu`eicy cgr
cgr parsgk`e
parsgk`e `llioakt
`llioakt lgvar`da gc up tg ₹ 2 E`mb
E`mb `ko `esg sarigus
sarigus ieekass
lgvar`da gc up tg
tg ₹ 0 E`mb.
E`mb. _ba lgst gr prajiuj
prajiuj gc tbasa pgeilias is oaoultao crgj
tba eg`k `jgukt `t tba tija gc oisfursajakt.
1) ^arsgk`e Eg`k \alurity8 BOCL F`km aksuras tb`t tba `ppeil`kt's fast iktarast is
`ew`ys s`ca `ko iksurao ukoar its \`rv \ur`msb` ^rg slbaja. Ik tbis slbaja, tba may
rastri
rastrilt
ltig
igks
ks `ra
`ra Lraoi
Lraoitt \biae
\biaeo
o Lgvar
Lgvar is `k ajard
ajardakl
akly
y lgvar`
lgvar`da
da cgr iksti
ikstieej
eejakt
aktss

<0 | ^ ` d a
 pakoikd aqu`e tg tba `jgukt gc tba gutst`koikd eg`k ik tba avakt gc suooak oa`tb gc
tba fgrrgwar @llioakt`e bgspit`eiz`tigk lgvar`da par fgrrgwar up tg Vs 2 E`mb
@llioakt`e / parj`kakt oa`tb Ois`fieity lgvar`da up tg Vs 0 E`mb
3) A`sy F`e`kla _r`kscar - Titb BOCL F`km's A`sy _r`kscar ca`tura, ygu l`k kgw
tr`kscar ygur axistikd
axistikd parsgk`e eg`k
eg`k tg BOCL F`km. _ba eg`k lgjas wit
witb
b ` egwar

AJI gptigk
gptigk `ko l`k `esg s`va ygu gk axistikd
axistikd iktarast
iktarast p`yjakts.
p`yjakts. _ba iktarast
iktarast r`ta
gccara
gccarao
o fy tb
tbaa f`km
f`km is 0>.41%
0>.41% gk tb
tbaa axist
axistikd
ikd eg`k
eg`k tr
tr`ks
`ksca
carr `k
`ko
o `k `ooit
`ooitig
igk`e
k`e
g key ₹ 0,999 / - `ppeias.
prglassikd caa gc gkey

1.3. _ba `ov`kt`das gc ` parsgk`e eg`k8

 _ba prglass
prglass is sijpea.
sijpea. Ygu l`k `ppey
`ppey cgr `k BOCL
BOCL F`km parsgk`e
parsgk`e eg`k
eg`k gkeika,
gkeika,
tbrgudb `k @_J, tba Eg`k @ssist `pp gr ik parsgk `t tba f`km. _bis prglass raquiras
jikij`e oglujakt`tigk.
 Axistikd BOCL F`km lustgjars l`k gft`ik ` pra-`pprgvao eg`k ik `s eittea `s 0>
salgkos gr up tg ? bgurs cgr kgk-BOCL F`km lustgjars.
 _ba parsgk`e eg`k l`k fa usao cgr `ky purpgsa. Cgr ax`jpea, witb AJI
AJI st`rtikd `t Vs.
60?9 / e`l. @ l`r eg`k gr bgja eg`k
eg`k sbgueo fa usao cgr tb`t spa
spalicil
licil purpgsa,
purpgsa, fut tba
parsgk`e eg`k l`k fa usao cgr `ky purpgsa, sulb `s prgcassigk`e lgursas, bgja
rajgoaeeikd,
rajgoaeeikd, jaoil`e ajardaklias,
ajardaklias, gr tr`va
tr`vae,
e, hust `fgut `kytbikd. _ba lbgila is up tg
ygu.
 Kg lgee`tar`e gr lgee`tar`e is raquirao
raq uirao cgr ` parsgk`e
p arsgk`e eg`k. Ygu ogk't kaao tg jgrtd`da
ygur bgja, hust sg ygu l`k t`ma tb`t julb-kaaoao v`l`tigk trip!
 Jikijuj oglujakt`t
oglujakt`tigk
igk is raquirao tg gft`ik
gft`ik ` parsgk`e eg`k. _bis `esg raoulas
raoulas tba
prglassikd tija cgr
cg r sulb ` eg`k. @ee ygu
yg u kaao tg dat
da t ` parsgk`e eg`k is8 `k IO, prggc
prg gc
gc `oorass `ko prggc gc iklgja.
 ^`yjakt tarjs `ra ceaxifea `ko ygu l`k lbggsa ygur tarj f`sao gk ygur aeidifieity.
BOCL F`km gccars ` takura r`kdikd crgj 06 tg 3> jgktbs, witb `k AJI st`rtikd `t
Vs. 60?9 / e`l.

<6 | ^ ` d a
  Ygu l`k `esg `ppey cgr t`x fra`ms gk iktarast p`yjakts ic ygu `ra usikd tba eg`k
`jgukt tg fuy, fuieo gr rakgv`ta ` bgja gr cgr bidbar aoul`tigk purpgsas

1.4. _Y^A\ GC ^AV\GK@E EG@K\

@ parsgk`e eg`k is gka tb`t is fgrrgwao crgj ` f`km, lgkstrultigk lgjp`ky gr ikstitutigk gr
`ky gtbar eakoar `s ` eujp suj. Ioa`eey,
Ioa`eey, tba fast gptigk wgueo fa tg lgksgeio`ta
lgksgeio`ta `ee oafts
iktg gka ik groar tg raoula tba tgt`e `jgukt gc jgktbey p`yjakts.

\alurao ^arsgk`e Eg`ks

Qksalurao ^arsgk`e Eg`ks
Puilm L`sb ^arsgk`e Eg`ks
Jieit`ry ^arsgk`e Eg`ks
Kg Lraoit ^arsgk`e Eg`ks

\algko Lb`kla ^arsgk`e Eg`ks

\bgrt _arj ^arsgk`e Eg`ks

`ee gc tbasa `ra

`ra `v`ie`fea
`v`ie`fea cgr ` parsgk eggmikd
eggmikd tg fgrrgw fatwaak gka `ko civa ya`rs.
ya`rs. _bara
`ra f`sil`eey twg typas gc parsgk`e eg`ks.

0) salurao eg`k

@ salurao parsgk`e eg`k is sg l`eeao fal`usa gc tba salurity gr lgee`tar`e tb`t is ikvgevao ik
tba aktira eg`k prglass
prglass gc eakoikd @ eg`k tb`t raquiras
raquiras tba lgksujar tg prgvioa tba eakoar
eakoar

<< | ^ ` d a
witb sgja cgrj gc lgee`tar`e gr lgee`tar`e, tb`t is, bis prgparty gr bgja, jgrtd`dao gr gwkao,
ik `ooitigk
`ooitigk tg bis varf`e du`r`ktaa
du`r`ktaa tg rap`y
rap`y tba eg`k. Ik gtbar wgros,
wgros, it is ` eg`k salurao
salurao fy
tba fgrrgwar's `ssats.

^gikts tg rajajfar facgra gptikd cgr ` salurao parsgk`e eg`k

Ic tba fgrrgwar `llapts ` salurao parsgk`e eg`k usikd bis bgja `s lgee`tar`e, ba just fa
prap`rao cgr tba avaktu`eity gc tr`kscarrikd it tg tba eakoar,
ea koar, ik tba avakt tb`t ba ogas kgt j`ma
tba eg`k `ko p`yjakt gc iktarast witbik tba `draao tija `ko tarjs. _ba eakoar wgueo saee tba
prgparty tg dat ygur jgkay
jgk ay f`lm `ko lgvar `ky `ooitigk`e
`o oitigk`e axpaksas iklurrao
ik lurrao tg og sg. Facgra
sidkikd up cgr salurao parsgk`e eg`ks, avak ` jgoast gka, tba fgrrgwar just j`ma sura tb`t
ba l`k p`y tba jgktbey ikstieejakts.
ikstieejakts. _baracgra,
_baracgra, it is kalass`ry tg l`racueey
l`racueey ra`o tba tarjs gc
tba lraoit `draajakt, p`yikd p`rtilue`r `ttaktigk tg tba iktarast r`ta `ko our`tigk gc tba eg`k,
tba tgt`e `jgukt tg fa p`io `ko tba rap`yjakts raquirao.

@ov`kt`das gc ` salurao eg`k

_ba `ov`kt`das gc salurao parsgk`e eg`ks `ra j`ky, tba j`ik gc wbilb is 8
g Tbilb l`k fa rap`io witb ` egwar jgktbey p`yjakt, cgr ` egkdar parigo gc tija.
g _b`t tba iktarast r`ta lb`rdao gk tba eg`k wgueo fa julb egwar tb`k lgjp`r`fea
ikst`kt uksalurao parsgk`e eg`ks, j`mikd tba salurao parsgk`e eg`k gptigk prgcit`fea.
@esg, ygu ogk't b`va tg wgrry `fgut ukj`k`da`fea eg`k rap`yjakt tarjs oua tg egw
iktar
iktarast
ast r`tas.
r`tas. Ik `ooit
`ooitigk
igk,, tb
tbaa pa
parsg
rsgk`
k`ee eg`k
eg`k lgueo
lgueo `esg gccar ` jgra
jgra ce
ceaxi
axife
feaa
rap`yjakt parigo.
g \alurao eg`ks `ra jgst ra`oiey `v`ie`fea `t vary ra`sgk`fea r`tas, cgr tbgsa witb `
kad`tiva lraoit r`tikd, tb`t is, witb ` o`rm bistgry gc oac`uets, `rra`rs `ko f`kmruptlias,
`ko cgr tbgsa witb pggr lraoit,
lraoit, cgr ax`jpea,
ax`jpea, wgrmikd pagpea.
pagpea. wbg `ra ajpegyao
ajpegyao gr
b`va hust lb`kdao hgfs.
g _ba fgrrgwar l`k r`isa cukos r`kdikd crgj £ <,>>> (cgr ` sj`ee salurao parsgk`e
eg`k) tg £ 1>,>>>, `ko sgja eakoars `ra wieeikd
wieeikd tg lgksioar eakoikd jgr
jgra.
a. _bis is c`r
jgra cik`klikd tb`k `k uksalurao ikst`kt parsgk`e eg`k wgueo `eegw, `ko wbara tba
j`xijuj
j`xijuj `jgukt
`jgukt ygu lgueo fgrrgw
fgrrgw wgueo fa up tg ` eijit gc £ 61,>>>.
61,>>>. \alura
\alurao
o
parsgk`e eg`ks `ra eg`ks tb`t raquira ` e`rda `jgukt tb`t lgueo fa rap`io ik tba egkdar
tarj.

<? | ^ ` d a
 g _ba fgrrgwar lgueo lgksgeio`ta bis jgra axpaksiva eg`ks iktg gka jgktbey p`yjakt
wbilb is julb lba`par.
lba`par. Ygu lgueo gpt cgr ` salurao
salurao eg`k tg lgksgeio`ta
lgksgeio`ta ygur oaft
`ko rape`la tba bidb-iktarast eg`k witb ` julb egwar gka.
g _ba a`sy `v`ie`fieity gc tba salurao parsgk`e eg`k is `kgtbar fakacit cgr lgksujars.
Oua tg tba egw rism gc cukoikd ` salurao eg`k tg its eakoars, vary caw salurao parsgk`e
eg`k `ppeil`tigks `ra turkao ogwk.
g @kgtbar `ov`kt`da wgueo lgksist ik tba ceaxifieity gc usikd tba du`r`ktaao parsgk`e
eg`k. _bis typa gc eg`k l`k
l`k fa `o`ptao tg jaat tba kaaos
kaaos gc `ky cik`kli`e kaao,
kaao, fa it
oaft lgksgeio`tigk, bgja ijprgvajakt.
g Gkey wbak tba fgrrgwar b`s prgparey pe`kkao bis rap`yjakt, ba wiee fa `fea tg akhgy
tba fakacits gc tba salurao parsgk`e eg`k. _baracgra, it wgueo fa wisa tg prap`ra a`rey
cgr tba eg`k rap`yjakt `ko lbggsa tba eg`k rap`yjakt jatbgo tb`t suits ygu fast.
g \alurao ^arsgk`e Eg`ks `ra kgw `v`ie`fea ik tba QM, witb ` e`rda drgup gc eakoars,
aspali`eey gkeika, sg tb`t ygu l`k sa`rlb `ko fggm tba fast salurao parsgk`e eg`k gk
tba iktarkat, ik tarjs gc iktarast r`tas `ko gtbar lgkoitigks.

6) Qksalurao ^arsgk`e Eg`ks

_bis is ` eg`k wbara

_ba fgrrgwar is kgt raquirao

raquirao tg peaoda
peaoda `ky lgee`tar`e
lgee`tar`e tg salura tba eg`k. It is `esg l`eeao
l`eeao `
sidk`turaa eg`k, `s tba gkey lgee`tar`e raquirao
sidk`tur raquirao is tba fgrrgwar's sidk`t
sidk`tura.
ura. _bis eg`k is f`sao
sgeaey gk tba fgrrgwar's lraoit, l`k fa usao cgr `ky purpgsa `ko ogas kgt iksist gk bgja
gwkarsbip
gwkarsbip gr e`rda lraoit.
lraoit. \ikla uksalurao
uksalurao parsgk`e
parsgk`e eg`ks `ra kgt
kgt salurao gk tba fgrrgwar'
fgrrgwar'ss
`ssats `t tbis tija, tba eakoar is kgt aktiteao tg sulb `ssats, ik l`sa tba fgrrgwar c`ies tg p`y
tba rap`yjakts. Bgwavar, tba eakoar is aktiteao tg ead`e le`ijs tg dat bis jgkay
jgkay f`lm, wbilb
l`k ja`k tb`t tba fgrrgwar b`s tg saee bis `ssats tg rap`y tba eg`k.

_ba eakoar j`y eijit tba uksalurao parsgk`e eg`k tg axleuoa lart`ik purpgsas.

@ov`kt`das gc ` uksalurao parsgk`e eg`k

g _bara `ra kg w`rr`kty

w`rr`kty raquirajakts.
raquirajakts. _ba fgrrgwar
fgrrgwar is kgt gfeid`tao tg peaoda
peaoda b`ro
a`rkao `ssats. Iksta`o, ygu l`k eavar`da
eavar`da ygur lraoit bistgry. Kg cik`kli`e
cik`kli`e st`tajakts
st`tajakts
gr t`x raturk
raturk oglujakts
oglujakts `ra raquirao.
raquirao. _ba fgrrgwa
fgrrgwarr is kgt `ccalta
`ccaltao
o fy tgg julb

p`parwgrm ic ba lbggsas
lbggs as tg dg cgr uksalurao ikst`kt parsgk`e eg`ks.

<1 | ^ ` d a
 g _b`t is, jgst uksalurao parsgk`e eg`k eakoars gccar wb`t is l`eeao ` oale`rao eg`k, ik
wbilb tba fgrrgwar's ikcgrj`tigk `fgut bis cik`kli`e situ`tigk ogas kgt kaao tg fa
lgkcirjao
lgkcirjao fy cik`kli`e st`tajakts
st`tajakts gr suppgrtikd oglujakts
oglujakts gc tba t`x raturk. _bis is
aspali`eey fakacili`e cgr tbgsa lgjp`kias gr ikoiviou`es wbgsa cik`kli`e st`tajakts
`ra kgt kalass`riey ` racealtigk gc tbair ra`e a`rkikds.
g Kg fusikass pe`k is raquirao cgr `k uksalurao parsgk`e eg`k. _r`oitigk`eey, eakoars
raquira `k ae`fgr`ta,
ae`fgr`ta, lgjprabaksiva
lgjprabaksiva fusikass
fusikass pe`k witb prgcgrj`
prgcgrj` `ko fuodat. _bis
prglaoura l`k fa axpaksiva `ko
`k o tija-lgksujikd, witb kg du`r`ktaa
du` r`ktaa gc gft`ikikd eg`k
`pprgv`e. Fut witb uksalurao parsgk`e eg`ks, ygu ogk't kaao ` fusikass pe`k.
g Puilm @pprgv`es - _ba katwgrm gc uksalurao parsgk`e eg`k eakoars wgueo t`ma vary
eittea tija tg `pprgva tba uksalurao ikst`kt parsgk`e eg`k.
g _ba `ppeil`tigk prglass is sijpea - jgst uksalurao parsgk`e eg`k eakoars gkey raquira
` gka-p`da `ppeil`tigk.
g _baracgra, wa saa tb`t `ee dggo parsgk`e eg`ks `ra r`ra `ko just fa gft`ikao witb
parsistakt lgjjitjakt, t`lt `ko p`tiakla, fa it uksalurao parsgk`e eg`ks, uksalurao
ikst`kt parsgk`e eg`ks, salurao parsgk`e eg`ks.

<) Puilm eg`k witb l`sb `ov`kla

\gjatijas ` parsgk j`y kaao ` quilm p`yf`lm eg`k ik groar tg oa`e witb `k ukaxpaltao
lurrakly lrisis.
lrisis. L`r rap`irs `ko gtbar ukaxpaltao
ukaxpaltao fiees usu`eey b`ppak `t ikgppgrtuk
ikgppgrtukaa tijas.
Ik l`sa ygu ogk't b`va tba axtr` jgkay tg lgvar tbasa ukaxpaltao axpaksas, ygu jidbt ra`eey
w`kt tg lgksioar `ppeyikd cgr ` l`sb `ov`kla.

@ quilm l`sb `ov`kla eg`k8

It is sijie`r tg ` f`km eg`k, axlapt tb`t l`sb `ov`klas `ra julb a`siar tg gft`ik `ko b`va `
sbgrtar j`turity.
j`turity. _ba lb`klas gc ` f`km eg`k `ppeil`tigk
`ppeil`tigk faikd
faikd rahaltao `ra bidb, `s f`kms
f`kms
raquira succiliakt
succiliakt iklgja,
iklgja, lgee`tar`
lgee`tar`ee `ko ` dggo lraoit
lraoit r`tikd.
r`tikd. Ygu b`va ` twg
twg waam parigo.
parigo.
_baracgra, tba eg`k is oua tgdatbar witb tba kaxt p`y lbalm. _ba `ppeil`kt just fa `t ea`st 02
ya`rs
ya`rs gc `da.
`da. _ba
_ba l`sb
l`sb `ov`kla
`ov`kla lgjp`
lgjp`ky
ky wgue
wgueo
o `esg
`esg varicy
varicy / lgkcir
lgkcirj
j tba
tba s`e`ry
s`e`ry `ko
ajpegyjakt.
ajpegyjakt. Tbiea tba lgjp`ky
lgjp`ky is wieeikd tg baep, it `esg w`kts tg j`ma sura tba eg`k b`s
faak rap`io.

Puilm l`sb `ov`kla eg`ks dakar`eey j`tura witbik twg waams. Bgwavar, t`mikd iktg `llgukt
tba fgrrgwar's lirlujst`klas, sgja l`sb `ov`kla lgjp`kias wgueo axpalt tb`t `t ea`st b`ec

<3 | ^ ` d a
gc tba eg`k `jgukt wiee fa rap`io
rap`io ik twg waams `ko tba f`e`kla ik gka jgktb
jgktb.. _basa eg`ks
`ra l`eeao <>-o`y p`y lbalm eg`ks.Fut it sbgueo fa rajajfarao tb`t facgra t`mikd gut ` <>
o`y p`y lbalm `ov`kla eg`k, gka sbgueo lbggsa ` lgjp`ky tb`t `eegws egkd tarj eg`ks `ko
sbgueo kgt `ssuja tb`t `ee l`sb `ov`kla lgjp`kias wgueo diva egkd tarj l`sb `ov`klas.

?) Jieit`ry parsgk`e eg`ks `ra a`sy cgr tba jieit`r

jieit`ry
y tg gft`ik `t `ky tija.
tija. Jieit`
Jieit`ry
ry hgfs
ja`k dggo p`y `ko bidb st`tus, `ko sgjatijas tbasa l`k lgjpeil`ta j`ttars fy iklurrikd
`ooitigk`e axpaksas. @ eg`k witb `k `ov`kla gk tba jieit`ry s`e`ry

It is gccarao fy jieit`ry eg`k lgjp`kias tg baep tba jieit`ry purlb`sa ` bgusa gr l`r, gr `ky
gtbar kaao tb`t raquiras bidbar lgsts. _basa lgjp`kias gccar oiccarakt typas gc eg`ks, sulb `s
fara`vajakt eg`ks, prgcassigk`e sarvila eg`ks, ois`star eg`ks, wbilb `ra a`sy `ko `ccgro`fea
`t tba s`ja tija.

It is spalicil`eey cgr jak `ko wgjak ik tba jieit`ry `ko `kygka ik tba jieit`ry l`k dat it,
avak tbgsa witb f`o lraoit.It
lraoit.It l`k fa a`siey gft`ikao fy aealtrgkil
aealtrgkil vioag tr`kscar, upgk gkeika
raquast. _bis is gka gc tba fiddast
fiddast `ov`kt`das8 tb`t
tb`t ` jieit`ry j`k l`k dat bis `ppeil`tigk
`ppeil`tigk
wbaravar ba is. @ salgko `ov`kt`da wgueo fa tba egw iktarast r`ta.

_ba jieit`ry
jieit`ry b`s tba gptigk tg lbggsa tbair
tbair gwk p`yjakt slbaouea.
slbaouea. Ic ygu l`k't p`y witb `
p`yo`y lbalm, ygu l`k p`y
p `y witb sufsaquakt lbalms.
lbalm s.

Ic ygu w`kt ikst`kt l`sb fut p`yo`y is stiee ` egkd w`y gcc, ygu l`k `ppey cgr ikst`kt jieit`ry
jieit`ry
eg`k
eg`k cik`kli
cik`klikd.
kd. Vatira
Vatirao
o jieit`r
jieit`ry
y parsgkka
parsgkkaee gctak
gctak `ppey
`ppey cgr tba quilm l`sb eg`k `ko avak
ratirao jieit`ry eg`ks og kgt oislrijik`ta ik tba r`kms gc tba cgrjar jieit`ry.

_ypas gc jieit`ry eg`ks

_bara `ra savar`e typas gc jieit`ry parsgk`e eg`ks `ko tbay ikleuoa

 _ba Ois`star Vaeiac Eg`k8 ^igkaar Jieit`ry Eakoikd, cgr ax`jpea, baeps prgvioa
cukos (up tg $ 0>>>) cgr jieit`ry c`jieias
c`jieias ik tijas gc ois`star (Burril`ka M`trik`,
M`trik`, cgr
ax`jpea), sijpey fy lbggsikd tba Ajardakly Vao Lrgss gptigk ukoar tba sp`la gc tba
`ppeil`tigk j`rmao cgr Eg`k ^urpgsa.

<4 | ^ ` d a
  akt Eg`k8 _bis
Fara`vajakt
Fara`vaj _bis is ` 9>-o`y
9>-o`y iktar
iktarast
ast-cr
-craa
aa jiei
jieit`r
t`ry
y parsgk
parsgk`e
`e eg`k
eg`k tb`t
tb`t
du`r
du`r`k
`kta
taas
as `p
`ppr
prgv
gv`e
`e cg
cgrr tb
tbgs
gsaa jiei
jieit`
t`ry
ry sarv
sarvil
ilaa jajf
jajfar
arss wbg
wbg b`
b`va
va c`
c`ji
jiey
ey
ajardaklias.
 Eg`k cgr prgcassigk`e sarvilas - _basa jieit`ry parsgk`e eg`ks gccar ` j`xijuj
cukoikd gc $ 3,1>> cgr tbgsa jieit`ry prgcassigk`es `ko cgr tba salgko akeistjakt.
 Ea`oarsbip SI^ Eg`k - _bis jieit`ry parsgkkae eg`k lgjas witb ` j`xijuj eg`k
`jgukt gc $ 1,>>>, witb lgjpatitiva iktarast r`tas cgr jieit`ry gccilars.
 ^rajiar Eg`k - _bis jieit`ry parsgk`e eg`k prgvioas j`xijuj cukoikd gc $ 4,1>>
`ko, `d`ik, `t lgjpatitiva iktarast r`tas cgr jak `ko wgjak ik tba jieit`ry.
 SI^ \akigr Axalutivas Eg`k - _bis jieit`ry parsgk`e eg`k `eegws cgr tba cik`klikd gc
eg`ks gc up tg $ 0>,>>>, lb`rdao `t lgjpatitiva iktarast r`tas cgr sakigr jieit`ry
sarvila jajfars.

Jieit`ry eg`k

_g qu`eicy cgr ` jieit`ry eg`k, lart`ik raquirajakts `ra raquirao. ^igkaar Jieit`ry Eakoikd
(`k gkeika sarvila), cgr ax`jpea, raquiras gka tg fa8

 @ltiva outy jieit`ry parsgkkae tg qu`eicy cgr ` jieit`ry parsgkkae eg`k

 @ cuee-tija `ltiva rasarva st`cc
 Vatirao jieit`ry parsgkkae witb 6> ya`rs gc l`raar g
 @ Oap`rtjakt gc Oécaksa jieit`ry parsgkkae (D\-3 gr bidbar)

@ov`kt`das gc jieit`ry parsgk`e eg`ks

 _ba dra`t `ov`kt`da gc ` jieit`ry parsgk`e eg`k is tb`t tba jieit`ry l`k ralaiva tba
`ppeil`tigk
`ppeil`tigk wbaravar tbay
tbay `ra. J`ky jieit`ry
jieit`ry lgjp`kias
lgjp`kias b`va `era`oy
`era`oy st`rtao tba
gkeika `ppeil`tigk sarvila prglass, wbara tba jieit`ry sarvila jajfar l`k sijpey
ogwk
ogwkeg
eg`o
`o tb
tbaa `p
`ppe
peil
il`t
`tig
igk,
k, ci
ciee
ee gu
gutt tb
tbaa cg
cgrj
rj,, `k
`ko
o tbak
tbak su
sufj
fjit
it tba
tba lgjp
lgjpea
eata
tao
o
`ppeil`tigk.
`ppeil`tigk. @ctar tba parsgk`e
parsgk`e jieit`ry
jieit`ry eg`k is `pprgvao, tba l`sb `ov`kla
`ov`kla is sakt vi`
aealtrgkil cukos tr`kscar.

<2 | ^ ` d a
  _baa gk
_b gkei
eika
ka `ppe
`ppeil
il`t
`tig
igks
ks `ra
`ra s`ca
s`ca `k
`ko
o tb
tbaa pr
priv
iv`l
`ly
y gc tba
tba gk
gkei
eika
ka tr`k
tr`ks`
s`lt
ltig
igk
k is
du`r`ktaao.
du`r`ktaao. _basa raquasts
raquasts `ra prglassao
prglassao witb tba baep gc ` jieit`ry
jieit`ry parsgk`e eg`k
eg`k
`ovisgr.
 @kgtbar fakacit gc tbasa eg`ks cgr jieit`ry parsgkkae wgueo fa tba egw iktarast r`ta
lb`rdao gk tba eg`k.
 _ba tbiro `ov`kt`da is tb`t tba jieit`ry sarvila jajfar b`s tba `fieity tg lbggsa tbair
gwk p`yjakt
p`yjakt slbaouea
slbaouea.. Ic ygu l`k't p`y avarytbik
avarytbikd
d witb gka p`y lbalm,
lbalm, tba eg`k
`jgukt l`k fa rap`io witb tba kaxt p`y lbalm.
 Ik l`sa tba jieit`ry is ik oira kaao gc l`sb, fut p`yo`y is stiee ` egkd w`y gcc, tbay
lgueo `ppey cgr `k ikst`kt
ikst`kt jieit`ry
jieit`ry eg`k. _bis jieit`ry
jieit`ry parsgk`e
parsgk`e eg`k is ` quilm `ko
lgkvakiakt jatbgo tg jaat tba cik`kli`e kaaos gc jieit`ry jak `ko wgjak, avak
tbgsa wbg `ppey cgr f`o oaft jieit`ry parsgk`e eg`ks.
 Jieit`ry l`sb eg`ks `ra `esg `v`ie`fea cgr ratirao jieit`ry parsgkkae `ko kgt hust `ltiva
outy jieit`ry
jieit`ry parsgkkae. Vatirao
Vatirao jieit`ry parsgkkae
parsgkkae wbak tbay `ra ik urdakt kaao gc
jgkay
jgkay usu`eey raquira
raquira ` quilm l`sb eg`k. Eima
Eima tba lgklapt gc ikst`kt
ikst`kt l`sb eg`ks,
parsgk`e eg`ks cgr
c gr ratirao jieit`ry parsgkkae
pars gkkae `esg j`ma kg oiccarakla
oic carakla fatwaak tba r`km
r`k m
`ko r`km gc cgrjar jieit`ry parsgkkae.

1) Kg parsgk`e lraoit eg`k

Cgr fgrrgwars witb pggr lraoit bistgry, tbis typa gc lraoit eass parsgk`e eg`k is `k `ov`kt`da.

Tbiea ca`sifea, it sbgueo gkey fa sgudbt `ctar ` tbgrgudb ikvastid`tigk Tbiea tbis typa gc eg`k
cgr tba cirst tija tra`ts fgrrgwars witb pggr lraoit bistgry hust eima gtbars, tbara is ` lea`r
pgssifieity gc faikd sl`jjao. Gkeika,
Gkeika , tbara `ra savar`e
sav ar`e eakoars
eako ars tb`t og kgt gccar lraoit lbalm
lb alm
eg`ks. Fut it wgueo
wgueo fa sj`rt tg cirst sa`rlb
sa`rlb cgr `ee craa qugtas
qugtas cgr tba s`ja `ko ra`o tba ci
cika
ka
prikt facgra `ppeyikd
`ppey ikd cgr cukoikd.
cukoikd . It is pgssifea tg ciko eakoars wbg lb`
lb`rda
rda ra`sgk`fea iktarast
ik tarast
r`tas, `ko tba fgrrgwar just ea`rk tg oistikduisb fatwaak eakoars wbg lb`rda ra`sgk`fea
r`tas `ko tbgsa wbg lb`rda axlassiva caas Vajajfar tg j`tlb `ko lggroik`ta tba purpgsa
witb tba eg`k tarj. @ky eg`k tarj tb`t axtakos faygko tbraa tg civa ya`rs ja`ks tb`t tba eg`k
l`elue`tigks b`va c`ieao.

<9 | ^ ` d a
3) \algko Lb`kla ^arsgk`e Eg`ks

Cgr tbgsa pagpea wbg aklguktar `k ukpe`kkao cik`kli`e lrisis, sulb `s ` suooak tr`daoy gr
`ky gtbar cik`kli`e lgktikdakly,
lgktikdakly, wb`t is raquirao is ` f`o raput`tigk
raput`tigk salgko lb`kla parsgk`e
eg`k.

_bara `ra j`ky eg`k lgjp`kias tb`t gccar ` lgjpeata p`lm`da cgr tbgsa ik kaao gc ` salgko
lb`kla f`o lraoit parsgk`e eg`k. _bis typa gc cik`klikd l`k t`ma pe`la tbrgudb lgee`tar`e gr it
j`y kgt fa du`r`ktaao. Tbak lgee`tar`e gc v`eua, sulb `s ra`e ast`ta gr bgja aquity, is
ikvgevao, it is `ew`ys a`siar tg ciko cik`klikd cgr ` f`o raput`tigk salgko lb`kla parsgk`e
eg`k. _bis is oua tg tba prgtaltigk
prgtaltigk gccarao tg tba eakoar's ikvastjakt
ikvastjakt.. Tbiea ` salgko lb`kla
parsgk`e eg`k is oicciluet (f`kms ogk't eima gccarikd salgko lb`kla parsgk`e eg`ks witb sbgooy
uksalurao eg`ks) fut kgt ijpgssifea tg gft`ik, tbara `ra savar`e gkeika eakoars tb`t l`k baep
prgvioa cik`kla. _ypil`eey, ` eakoar tb`t gccars salgko lb`kla parsgk`e eg`ks cgr f`o oaft
wiee gccar bidbar iktarast r`tas, sbgrtar rap`yjakt tarjs, `ko sat eijits cgr eakoikd jgkay.

4) \bgrt-tarj parsgk`e eg`ks

\bgrt-tarj parsgk`e eg`ks l`k fa gft`ikao tbrgudb gkeika f`kms `ko cik`kli`e lgjp`kias `ko
` wioa v`riaty gc gtbar sgurlas.
sgurlas. Titb ` sbgrt-tarj parsgk`e eg`k gc tbis typa8

_baa ik
_b iktar
tarast
ast r`ta ikvgeva
ikvgevao
o is da
dakar
kar`e
`eey
ey bidb.
bidb. _bis
_bis is fal`us
fal`usaa tba
tba ra
rap`y
p`yja
jakt
kt pa
parig
rigo
o is
dakar`e
dakar`eey
ey sbgrt.
sbgrt. _basa
_basa typas gc sbgrt-ta
sbgrt-tarj
rj parsgk`e
parsgk`e eg`ks just fa fakacil
fakacili`e
i`e tg fgtb tba
fgrrgwar `ko tba eakoar, `ko bidb iktarast r`tas `ra gka gc tba w`ys ` f`km gr cik`kla
lgjp`ky l`k fakacit crgj tbaj.

_bis typa gc sbgrt-tarj

sbgrt-tarj cik`klikd is gctak usao tg baep pagpea wbg kaao savar`e `jgukts gc
jgkay cgr ` sbgrt parigo.
parigo. J`ky gc tba eg`k lgjp`kias
lgjp`kias usu`eey prgvioa
prgvioa tbis typa gc eg`k `ko
`esg sat tba j`xijuj `jgukt tb`t l`k fa fgrrgwao ik sulb lirlujst`klas.

F`kms,
F`kms, `etbgudb
`etbgudb tbay dr`kt tbis
tbis typa gc sbgrt-tar
sbgrt-tarj
j parsgk`e
parsgk`e eg`k, dakar`eey
dakar`eey raquira
raquira `
du`r`ktaaa facgra oisfursajakt.
du`r`kta oisfursajakt. Gkeika cik`kla
cik`kla lgjp`kias
lgjp`kias gkey raquira ` lraoit lbalm, fut

?> | ^ ` d a
tbay eako vary sj`ee `jgukts gc jgkay. F`kms gccar kg jgra tb`k $ 01,>>> gr $ 6>,>>>, `ko
pagpea eggmikd cgr e`rdar sujs gc jgkay sbgueo turk tg gtbar sgurlas gc cukoikd.Oua tg tba
kad`tiva `ko pgsitiva `spalts gc sbgrt tarj parsgk`e eg`ks, tba parsgk is `ovisao tg og
tbgrgudb rasa`rlb facgra `ppeyikd cgr ` eg`

1.2. pra-`pprgvao parsgk`e eg`k

B`va ygu avar ralaivao l`ees gr avak jass`das ikcgrjikd ygu tb`t ygu `ra aeidifea cgr `
parsgk`e eg`k7 Ygu j`y `esg b`va ralaivao `k gll`sigk`e
gll`sig k`e aj`ie lgkdr`tue`tikd ygu tb`t ygu
`ra hust ` caw staps `w`y crgj gft`ikikd
gft`ikikd ` pra-`pprgvao
pra-`pprgvao eg`k ik ygur k`ja. Bgwavar,
Bgwavar, is it
ijpgrt`kt tg t`ma tbis eg`k7

Fut cirst eat's ciko gut wb`t ` parsgk`e eg`k `ko ` pra-`pprgvao eg`k `ra.Tbak ygu b`va
axlaeeakt lraoit bistgry `ko ` bistgry gc cik`kli`e oislipeika, ygu j`y fa aeidifea cgr ` pra-
`pprgvao parsgk`e eg`k. @ parsgk`e eg`k is prij`riey `k uksalurao eg`k gr ` sbgrt-tarj typa
gc lraoit.
lraoit. _bay l`k fa usao
usao ik `ky f`km. Ygu l`k t`ma
t`ma gka cgr `ky purpgsa
purpgsa witbgut tba
tba kaao
tg prgvioa `ky w`rr`ktias gr du`r`ktaas.

?0 | ^ ` d a
Tb`t is tba prglaoura cgr `pprgvikd ` parsgk`e eg`k7

@ sijpea sat gc oglujakt`tigk `ko ` quilm cik`kla oisfursajakt b`va j`oa parsgk`e eg`ks
tba pracarrao eg`k gptigk wbak ` parsgk is ik oira kaao gc jgkay. Bgwavar, tbara is ` quilmar

w`y tg qu`eicy cgr c`st cukoikd,

cukoikd, witbgut
witbgut sufjittikd
sufjittikd `ooitigk`e oglujakts.
oglujakts. It is mkgwk `s `
pra-`pprgvao eg`k.

@ pra-`pprgvao
pra-`pprgvao parsgk`e
parsgk`e eg`k raquiras eittea
eittea gr kg
kg p`parwgrm
p`parwgrm gr p`parwgrm
p`parwgrm witb
witb tba ea`st
ea`st
prglassikd tija. F`kms gctak gccar it tg axistikd lustgjars wbg b`va lea`k lraoit. @k ikiti`e
`k`eysis gc ygur cik`kli`e situ`tigk `ko lraoifieity is l`rriao gut tg varicy tba satteajakt
bistgry
bistgry gc tba geo ikstiee
ikstieejak
jakts
ts `ko rap`yjakt
rap`yjakt gc axistikd
axistikd eg`ks. \g, ic ygu b`va ` prgvak
prgvak
tr`lm ralgro, ygu `ra aeidifea cgr ` pra-`pprgvao eg`k.

Tbg is aeidifea cgr ` pra-`pprgvao parsgk`e eg`k7

Ygu sbgueo lbalm witb ygur f`km gr tbrgudb ygur gkeika `llgukt ic ` pra-`pprgvao
pra-`pprgvao parsgk`e
eg`k gccar
gccar is `v`ie`fea.
`v`ie`fea. \gjatijas
\gjatijas tba
tba f`km l`ees ygu
ygu tg `ovisa ygu gk tbis. _ypil`eey,
_ypil`eey, ic
ygu `ra ` egkd tija lustgjar witb `k axlaeeakt axistikd f`e`kla, sufst`kti`e s`vikds bistgry,
oalakt iklgja,
iklgja, `ko p`yjakt
p`yjakt bistgry.
bistgry. Ygu j`y fa aeidifea
aeidifea cgr ` c`star parsgk`e
parsgk`e eg`k.
eg`k. Ic ygu
`ra `k BOCL F`km lustgjar, ygu l`k egd iktg ygur Kat F`kmikd `llgukt `ko lbalm ygur
aeidifieity cgr ` pra-`pprgvao gccar.

_ba ijpgrt`kt ca`turas gc ` pra-`pprgvao eg`k8

 Ijjaoi`ta prglassikd
 \ijpea `ppeil`tigk pr`ltila
 @ttr`ltiva iktarast r`tas
 Kadeidifea gr `fsakt oglujakts
o glujakts
 Ceaxifieity cgr tba usa gc cukos

Tb`t `ra tba fakacits gc ` pra-`pprgvao parsgk`e eg`k gccar7

Ikst`kt cukos Gkla tba f`km spalicias ygur aeidifieity `jgukt `ko b`s prggc gc ygur
bistgry, tba `pprgv`e tija cgr ` pra-`pprgvao parsgk`e eg`k is kgjik`e `ko tba cukos
`ra oisfursao quilmey.
quilmey. @ 0> salgko * cuko raea`sa
raea`sa is `v`ie`fe
`v`ie`feaa cgr ygur BOCL F`km
F`km

?6 | ^ ` d a
 pra-`pprgvao eg`k leiakt `llgukt. Bgwavar, cgr kgk-BOCL F`km leiakts, cukos `ra
oisfursao cgr ` pra-`pprgvao eg`k ik eass tb`k ? bgurs *.
tiva iktarast r`tas ^ra-`pp
Lgjpatitiva
Lgjpati ^ra-`pprgvao
rgvao eg`ks sgjatijas b`va ` egwar iktarast r`ta.
_bis is fal`usa tba f`km is lgkcioakt ik its rap`yjakt l`p`lity divak its cik`kli`e
pruoakla `ko iklgja st`fieity. Faikd ` saealtao lustgjar, tba f`km wiee gccar ygu tba
jgst lgjpatitiva iktarast r`tas gk tba pra-`pprgv`e gc tba parsgk`e eg`k.
Ceaxif
Ceaxifieit
ieity purpgsaa @ pra-`pprgvao eg`k is ijprassiva `s it b`s kg f`rriars gr
y gc purpgs
eijit`tigks
eijit`tigks gc usa. Ygu l`k usa tba cukos cgr `ky parsgk`e
parsgk`e kaao `ko ygu wiee kgt fa
`smao bgw ygu spako tba jgkay.
Xarg oglujakt`tigk @ pra-`pprgvao
pra-`pprgvao parsgk`e eg`k cgr `k axistikd
axistikd leiakt
leiakt dakar`eey
dakar`eey
raquiras kg oglujakt`tigk `ko is sijpea.
Gkeika `ko p`pareass Tbak ygu b`va ` parsgk`e eg`k pra-`pprgv`e gccar, ygu l`k
`llapt tba eg`k gkeika,
gkeika, witbgut
witbgut ea`vikd ygur bgja gr gccila.
gccila. @ee ygu kaao tg og is
lgkt`lt ygur f`km gr ` f`kmar `ko raquast tb`t tba cukos fa tr`kscarrao tg ygur
`llgukt.
`llgukt. @esg,
@esg, ygu l`k egd iktg ygur gkeika
gkeika f`km `llgukt
`llgukt `ko `ppey cgr tba pra-
`pprgvao eg`k tbara
Ceaxifea racuko ^ra-`pprgvao parsgk`e eg`ks `eegw ygu tg lbggsa tba rap`yjakt tarj
gc tba eg`k.
eg`k. Ygu l`k lbggsa
lbggsa ` bgeoikd
bgeoikd lgjp`ky
lgjp`ky tb`t dakar`tas
dakar`tas pglmat
pglmat AJI.
AJI. BOCL
F`km gccars v`rigus bgeoikds crgj 06 jgktbs tg 3> jgktbs, witb AJI st`rtikd `t
Vs.60?9 par e`l cgr ` ceaxifea rap`yjakt.

J`ik c`ltgrs tg lgksioar wbak `ppeyikd cgr ` pra-`pprgvao parsgk`e eg`k8

 _basa eg`ks l`k gkey fa cgr ` spalicil parigo, `s tbay `ra `k ikvit`tigk gccar tg `ppey.
 @ew`ys `sm `fgut prap`yjakt caas `ko pra-legsa caas.
 Ea`rk jgra `fgut zarg prglassikd caas.
 Ogk't cgrdat tg lgjp`ra tba `v`ie`fea ca`turas `ko iktarast r`tas.

?< | ^ ` d a
 LB@^@_AV 1
LVAOI_ EIKA

3.0 LGKLA^_ GC LVAOI_

 It is tba ioa` tb`t ic ygu fuieo up ` raput`tigk cgr p`yikd fiees `ko oafts gk tija ygu
wiee fa `fea tg fgrrgw jgkay ik tba cutura.
 Lraoit is ijpgrt`kt fal`usa it `eegws ygu tg fgrrgw jgkay wbak ygu kaao it. ^eus,
tba fattar ygur lraoitwgrtbikass, tba lba`par ygu l`k fgrrgw jgkay, wbatbar it's `
l`r, aoul`tigk, bgja gr gtbar j`hgr axpaksa.

?? | ^ ` d a
  Gk tba gtbar b`ko, ic ygu ogk't b`va dggo lraoit rism, ygu j`y kgt fa `fea tg
fgrrgw wbak kaaoao, gr ygu j`y fa `fea tg fgrrgw, fut gkey `t ` bidb iktarast
r`ta.

3.6.0. IJ^GV_@KLA GC LVAOI_

 Lraoit
Lraoit is j`ikey
j`ikey usao tg gft`ik
gft`ik eg`ks. Eg`ks
Eg`ks l`k fa ` dra`t
dra`t w`y tg cik`kla
cik`kla e`rda
purlb`sas `ko fusikass
fus ikass vakturas, fut oaft
oaf t j`k`dajakt l`k fa ` lgjpeil`tao prglass.
It l`k gkey t`ma ` caw jgktbs tg dat iktg cik`kli`e trgufea `ko ya`rs tg dat gut gc it.
@etbgudb oaft is usacue `t sgja pgikt, tbara is ` oiccarakla fatwaak dggo `ko f`o
oaft. _ba twg jgst ijpgrt`kt lb`r`ltaristils `ra bgw jgkay is fgrrgwao `ko wb`t is
ogka.
 @etbgudb oaft is p`rt gc eica, tba may tg pravaktikd it crgj falgjikd oastrultiva is
mkgwikd its fakacits `ko risms.

3.0.6 VA@\GK\ CGV LVAOI_ @K@EY\I\

 Qkcgrtuk`taey, lraoit cr`uo is `k iklra`sikdey sarigus prgfeaj `ko its craquakly b`s
`ejgst
`ejgst tripeao
tripeao gvar tba p`st civa ya`rs.
ya`rs. Qkoar
Qkoar tba jgra lgjjgk
lgjjgk slb`j l`eeao
l`eeao
"ioaktity tbact," tba lrijik`e gpaks ` lraoit l`ro gr gtbar `llgukt ik sgjagka aesa's
k`ja. _ba lrijik`e tbak fuys dggos `ko sarvilas `ko ygu `ra stulm witb tba `llgukt.

 Lraoit l`ro cr`uo `ko lraoit `k`eysis `ra ukrae`tao tg a`lb gtbar.

?1 | ^ ` d a
  \gjatijas
\gjatijas tba eakoar / fgrrgwar j`y lita iklgrralt
iklgrralt ikcgrj`tigk gk tba parsgk`e eg`k
oat`ies. ygur `fieity tg p`y gcc tba eg`k, tba ra`sgks cgr t`mikd tba eg`k.

_baracgra, tg rajaoy `ee tbis cr`uoueakt `ltivity, it is kalass`ry tg l`rry gut ` lraoit `k`eysis,

tg varicy tba lraoitwgrtbikass gc tba eakoar tg rap`y tba eg`k `ko p`y tba iktarast.

"LVAOI_ @K@EY\I\"8

"_ba prglass gc av`eu`tikd `k `ppeil`kt's eg`k `ppeil`tigk gr ` lgjp`ky's oaft issu`kla

tg oatarjika tba eimaeibggo tb`t tba fgrrgwar wiee jaat tbair gfeid`tigks."

3.0.<. \t`das gc tba lraoit `k`eysis prglass

_ba lraoit `k`eysis prglass

prglass is egkd `ko e`sts crgj ` caw waams tg jgktbs. It st`rts crgj tba
ikcgrj`
ikcgrj`tig
tigk
k d`tbarik
d`tbarikd
d pb`sa
pb`sa up tg tba oalisig
oalisigk-j`
k-j`mik
mikd
d pb`sa,
pb`sa, wbak
wbak tba eakoar
eakoar oalioas
oalioas
wbatbar tg `pprgva tba eg`k `ppeil`tigk `ko, ic `pprgvao, bgw julb lraoit tg dr`kt tg tba
fgrrgwar.

_ba cgeegwikd `ra tba may st`das gc tba lraoit `k`eysis prglass8

0. Lgeea
Lgeealt
ltigk
igk gc ikcgr
ikcgrj`
j`ti
tigk
gk -

?3 | ^ ` d a
_baa ci
_b cirst
rst stap
stap ik tba lraoi
lraoitt `k`ey
`k`eysis
sis prgla
prglass
ss is tb
tbaa lg
lgee
eealt
altigk
igk gc ikcgrj
ikcgrj`t
`tigk
igk `fgut
`fgut tba
tba
`ppeil`kt's
`ppeil`kt's lraoit bistgry.
bistgry. Ik p`rtilue`r,
p`rtilue`r, tba eakoar is iktarastao
iktarastao ik tba lustgjar's
lustgjar's p`yjakt
bistgry, grd`kiz`tigk`e
grd`kiz`tigk`e raput`tigk, cik`kli`e
cik`kli`e sgevakly,
sgevakly, `s waee `s ralgros gc tr`ks`ltigks witb
tba f`km `ko gtbar cik`kli`e
cik`kli`e ikstitutigks.
ikstitutigks. _ba eakoar l`k `esg `ssass tba fgrrgwar's
fgrrgwar's `fieity
`fieity tg
dakar`ta `ooitigk`e l`sb cegws cgr tba aktity fy eggmikd `t bgw accaltivaey it b`s usao p`st
lraoit tg drgw its lgra fusikassas. _ba eakoar `esg lgeealts ikcgrj`tigk gk tba purpgsa gc tba
eg`k `ko its prgcit`fieity.
prgcit`fieity. _ba eakoar is iktarastao
iktarastao ik wbatbar tba prghalt
prghalt tg fa cik`klao is
ca`sifea `ko its pgtakti`e tg dakar`ta succiliakt l`sb cegw.

_ba lraoit `k`eyst `ssidkao tg tba fgrrgwar just oatarjika

oatarjika tba aeidifieity
aeidifieity gc tba eg`k `jgukt
tg l`rry gut tba prghalt uktie its lgjpeatigk `ko tba axistakla gc ` dggo pe`k tg l`rry it gut
sullassc
sullasscuee
ueey.
y. _ba f`km `esg lgeealts
lgeealts ikcgr
ikcgrj`t
j`tigk
igk gk tba eg`k du`r`ktaa
du`r`ktaa,, wbilb
wbilb `lts `s `
lgee`ta
lgee`tar`e
r`e cgr tba eg`k
eg`k ik l`sa tba fgrrgwa
fgrrgwarr oac`uets
oac`uets gk tbair
tbair oaft gfeid`tigk
gfeid`tigks.
s. Eakoar
Eakoarss
dakar`eey pracar tba eg`k tg fa rap`io witb tba prglaaos gc tba cukoao prghalt `ko usa tba
du`r`ktaa `s `k `etark`tiva gkey ik l`sa tba fgrrgwar oac`uets gk p`yjakts.

6. @k`eysis gc tba ikcgrj`tigk

_ba ikcgrj`tigk lgeealtao ik tba cirst stap is `k`eysao tg oatarjika ic tba ikcgrj`tigk is
`llur`taa `ko trutbcue. ^arsgk`e `ko fusikass
`llur`t fusikass oglujakts,
oglujakts, sulb `s p`sspgrts, lgrpgr`ta
lgrpgr`ta l`ros,
fusikass eilaksas, fusikass rasgeutigks, lustgjar `ko suppeiar `draajakts, `ko gtbar ead`e
oglujakts, `ra `k`eysao tg oatarjika ic tbay `ra `llur`ta `ko `utbaktil.

_ba lraoit `k`eyst `esg av`eu`tas cik`kli`e st`tajakts sulb `s iklgja st`tajakt, f`e`kla

sbaat, l`sb cegw st`tajakt `ko gtbar rae`tao oglujakts tg `ssass tba cik`kli`e st`koikd gc tba
fgrrgwar. _ba f`km `esg lgksioars
lgksio ars tba fgrrgwar's axpariakla
axpa riakla `ko qu`eicil`tigks
qu`eicil` tigks ik tba prghalt
prghal t
tg oatarjika
oatarjika tbair
tbair lgjpatakla
lgjpatakla ik tba sullasscue ijpeajakt`tigk
ijpeajakt`tigk gc tba prghalt. @kgtbar
`spalt tb`t tba eakoar
eakoar lgksioars is tba accaltivakass
accaltivakass gc tba prghalt.
prghalt. _ba eakoar `k`eyzas
`k`eyzas tba
purpgsa `ko cutura prgspalts gc tba cukoao prghalt. _ba eakoar is iktarastao ik wbatbar tba
prghalt is ca`sifea akgudb tg prgoula
prgou la `oaqu`ta
`oaqu `ta l`sb cegws tg sarvila tba oaft `ko p`y cgr tba
lgjp`ky's gpar`tikd axpaksas.

@ prgcit`fea
prgcit`fea prghalt wiee a`siey
a`siey salura tba eakoar's eikas
eikas gc lraoit. Gk tba ogwksioa,
ogwksioa, ic `
prghalt c`las sticc lgjpatitigk crgj gtbar aktitias gr is ik oaleika, tba f`km j`y fa
f a raeult`kt

tg dr`kt lraoit oua tg tba bidb eimaeibggo gc iklurrikd egssas ik tba avakt gc iksgevakly.

?4 | ^ ` d a
Bgwavar,, ic tba f`km is s`tisciao
Bgwavar s`tisciao tb`t tba fgrrgwar's eavae gc rism is `llapt`fea, it l`k axtako
tba lraoit `t ` bidb iktarast r`ta tg lgjpaks`ta cgr tba bidb rism gc oac`uet.

<. @pprgv`e (gr rahaltigk) gc tba eg`k `ppeil`tigk

_ba cik`e st`da gc tba lraoit

lraoit `k`eysis prglass
prglass is tba oalisigk-j
oalisigk-j`mikd
`mikd st`da. @ctar gft`ikikd
gft`ikikd
`ko `k`eysikd tba `pprgpri`ta cik`kli`e o`t` crgj tba fgrrgwar, tba fgrrgwar oalioas wbatbar
tba `ssassao
`ssassao rism eavae
eavae is `llapt`f
`llapt`fea
ea gr kgt.
kgt. Ic tba lraoit `k`eyst
`k`eyst `ssidkao
`ssidkao tg tba spalici
spalicill
fgrrgwar is lgkviklao tb`t tba eavae gc rism `ssassao is `llapt`fea `ko tb`t tba eakoar wiee
c`la kg lb`eeakda ik sarvilikd tba lraoit, ba wiee sufjit ` ralgjjako`tigk rapgrt tg tba lraoit
lgjjittaa gk tba rasuets gc tba raviaw `ko tba oalisigk. tba cik`e.

Bgwavar, ic tba lraoit `k`eyst cikos tb`t tba fgrrgwar's rism eavae is tgg bidb tg fa s`tisciao fy

tba
tba ea
eakoa
koar,
r, ba sbgue
sbgueoo writ
writaa ` rapgr
rapgrtt tg tba lraoi
lraoitt lgjji
lgjjitt
ttaa
aa oat`i
oat`iei
eikd
kd tba
tba fgrrg
fgrrgwa
war's
r's
lraoitwgrtbikass rasuets. _ba lgjjittaa gr gtbar `pprgpri`ta `pprgv`e fgoy rasarvas tba cik`e
oalisigk gk tba `pprgv`e gr rahaltigk gc tba eg`k.

3.6 Bgw tg `ppey cgr ` parsgk`e eg`k7

0) \tap
\tap 0 “ Akquir
Akquiry
y witb
witb ` cik`kl
cik`kliar
iar
_ba cirst stap is tg lgkt`lt
lgkt`lt ` eakoar. Ygu kaao tg lgkt`lt `s j`ky eakoars
eakoars `s pgssifea
`ko dat tbaj tg j`ma
j`ma eg`k gccars. _bak kadgti`ta
kadgti`ta witb tbaj
tbaj tg dat tba fast iktarast
iktarast
r`ta. Lbalm gut tba spali`e gccars.

?2 | ^ ` d a
 @ctar `ee tba f`kms b`va j`oa tbair gccars, saealt tba eakoar f`sao gk tba ikcgrj`tigk
prgvioao.
6) \tap
\tap 68
68 Lgee
Lgeeal
altt Ogluj
Oglujak
akts
ts
@ctar oatarjikikd tba eakoar, tba eakoar's oiralt s`eas `dakt wiee visit `ko lgeealt
oglujaktss tb`t suppgrt prggc gc iklgja, prggc gc rasioakly,
oglujakt rasioakly, `ko ioaktit
ioaktity.
y. Ygu j`y
kaao tg sako lgpias gc ygur _I `llgukt st`tajakts, p`y seips, f`km st`tajakts, r`tigk
l`ro, p`sspgrt,
p`sspgrt, orivar's eilaksa,
eilaksa, `ko gtbar raeav`kt oglujakts.
oglujakts. _basa raquirajakts
raquirajakts
v`ry crgj gka eakoar tg `kgtbar.
<) \tap <8 Sisit fy
fy tba raprasak
raprasakt`tiva
t`tiva gc tba
tba ciaeo
ciaeo ikvastid`tigk
ikvastid`tigk `dakly
@ctar sufjittikd tba oglujakts, ` ciaeo ikvastid`tgr wiee visit tba bgja tg varicy tba
c`lts prgvioao ik tba oglujakts, sulb `s pe`la gc rasioakla, st`y ik tba wgrmpe`la,
atl. It is assakti`e
assakti`e tg fa
fa prasakt ourikd
ourikd tbis
tbis visit= gtbarwisa,
gtbarwisa, tba ikvastid`t
ikvastid`tgr
gr lgueo
rapgrt tb`t tba c`lts prgvioao og kgt ra`eey lgiklioa, cgrlikd tba lraoit ikstitutigk tg
rahalt tba eg`k `ppeil`tigk.
?) \tap
\tap ?8 Eg`k
Eg`k `ppr
`pprgva
gvao
o
Gkla tba eakoar is s`tisciao witb tba var`lity gc tba oglujakts prgvioao, tba eg`k is
`pprgvao. _ba eakoar tbak p`ys tba `jgukt fy lbalm gr jgkay groar (OO).

3.<. OGLQJAK_@_IGK

Lgjp`rao tg gtbar typas gc eg`ks, parsgk`e eg`ks raquira tba prgoultigk gc tba ea`st kujfar
gc oglujakts.
oglujakts. _ba kalass`ry
kalass`ry oglujakts
oglujakts raquirao
raquirao l`k fa le`ssicia
le`ssiciao
o iktg
iktg tbraa8
tbraa8 ioaktity
ioaktity
oglujakts, rasioakla `ko iklgja.

 ^rggc gc ioaktity8

?9 | ^ ` d a
 @ lgpy gc ygur p`sspgrt gr orivar's eilaksa,
eilaksa, vgtar IO, ^@K l`ro, pbgtg lraoit l`ro, gr
pbgtg ajpegyaa IO l`ro. @ky gc tba pbgtg oglujakts `fgva `ra prggc tb`t ygu `ra
tba s`ja parsgk ygu prgcass tg fa.
^rggc gc rasioakla8
Lgpy gc ygur p`sspgrt, r`tigk l`ro gr aealtgr`e l`ro ic ygu rasioa ik tba s`ja pe`la
tb`t w`s ikleuoao
ikleuoao ik tba `cgrajaktigkao
`cgrajaktigkao oglujakts.
oglujakts. Ic ygu rasioa `s ` tak`kt, ik `
pe`la gtbar
gtb ar tb`k wbara ygu wara issuao ygur r`tigk l`ro, p`sspgrt
p`sspg rt gr vgtikd l`ro,
l`r o, ygu
l`k prasakt ygur egl`e fiees (aealtrility gr taeapbgka) `s prggc gc rasioakla.
^rggc gc iklgja
_baa ajpe
_b ajpegy
gyaa
aa ik
iklg
lgja
ja tast
tast is oi
oicc
ccar
arak
aktt cr
crgj
gj tb`t
tb`t gc saec
saec-a
-ajp
jpeg
egya
yao
o wgrm
wgrmar
ars.
s.
Ajpegyaas
Ajpegyaas just prasakt tbair e`st p`y lbalm, cgrj 03 crgj tba e`st cik`kli`e
cik`kli`e ya`r `ko
tbair f`km st`tajakt
st`tajakt crgj tba e`st 3 jgktbs. _ba saec-ajpegyao
saec-ajpegyao just prgvioa
prgvioa tba I_
raturks cgr tba p`st 6 ya`rs, tba f`e`kla sbaat `ko tba prgcit `ko egss `llgukt `s prggc
gc iklgja.

_g tba cgeegwikd oglujakts `ra raquirao tgdatbar witb tba parsgk`e eg`k `ppeil`tigk8
 ^rggc gc ioaktity (lgpy gc p`sspgrt / vgtar's IO l`ro / orivar's eilaksa / @`ob``r)
 ^rggc gc `oorass (lgpy gc p`sspgrt / vgtar's IO l`ro / orivar's eilaksa / @`ob``r)
 @llgukt st`tajakt cgr tba pravigus < jgktbs (Fggmeat cgr tba pravigus 3 jgktbs
 _ba jgst ralakt p`y lbalm / larticil`ta gc p`y witb tba lurrakt o`ta witb tba jgst
ralakt cgrj 03

3.<.0. Ik L`sa Gc \`e`riao Ajpegyaas8

 IO prggc - ^`k l`ro /orivikd eilaksa / p`sspgrt/ ajpegyaa eo.-l`ro / vgtar IO

 Vasioakla prggc8 Aealtrility fiee / r`tigk l`ro / taeapbgka fiee / w`tar
w`tar fiee

 E`tast <Jgktbs \`e`ry \eip witb `ee oaoultigks

1> | ^ ` d a
  Cgrj kg.03 cgr iklgja t`x raturk
 F`km st`tajakt cgr tba e`st six jgktbs
 Gka pbgtg saec-`ttastao

3.<.6. Ik L`sa \aec-ajpegyao8

 IO prggc- ^`k l`ro /orivikd eilaksa / ajpegyaa e-l`ro/vgtar IO/p`sspgrt.

 Vasioakla prggc- Aealtrility fiee / taeapbgka fiee / w`tar fiee/ r`tigk l`ro.
 Cik`kli`e st`tajakt gc tba fusikass/ prgcassigk `egkd witb lgpias gc Ikoiviou`e _`x
Vaturks cgr tba e`st tbraa ya`rs larticiao fy Lb`rtarao @llgukt`kt
 Iklgja t`x raturk GV lgjput`tigk kgt jgra tb`k 6 ya`rs geo.
 F`km \t`tajakt kgt jgra tb`k 3 jgktbs geo.

3.?. BOCL F`km ^arsgk`e Eg`k _gp-Qp

Titb BOCL F`km ^arsgk`e Eg`k _gp-Qp gccar `k axtr` l`k fa `ooao tg ygur ora`js. Egw-

iktarast r`tas `ko kgjik`e prglassikd lb`rdas j`ma tba tgp-up eg`k pracar`fea gvar ` parsgk`e

10 | ^ ` d a
eg`k. _ba oglujakts raquirao tg `ppey cgr ` tgp-up eg`k is `esg jikij`e fal`usa tba fgrrgwar
`era`oy b`s ` rae`tigksbip witb tba f`km.

Ca`turas gc BOCL F`km ^arsgk`e Eg`k _gp-Qp8

 A`sy `ko b`ssea-craa oglujakt`tigk prglass `s tba fgrrgwar b`s `k


axistikd rae`tigksbip witb BOCL F`km.
 @ fgrrgwar l`k `v`ie ` j`xijuj _gp Qp Eg`k gc Vs.1> e`mbs.
 BOCL F`km ^arsgk`e Eg`k _gp-Qp lgjas `t `ttr`ltiva iktarast r`tas.
 \ijpea rap`yjakts tbrgudb jgktbey ikst`ejakts.
 Tioa r`kda gc fr`klb katwgrm sg, ` fgrrgwar l`k `v`ie sarvilas crgj `kywbara ik
Ikoi`.

3.1. AEIDIFIEI_Y LVI_AVI@

16 | ^ ` d a
_ba parsgk aeidifea cgr ` parsgk`e eg`k `ra ` s`e`riao ikoiviou`e, saec-ajpegyao ikoiviou`e
(gwk fusikass), gr ` saec-ajpegyao prgcassigk`e (ogltgr, e`wyar, atl.). Gtbar c`ltgrs sulb `s
iklgja, `da, rasioakla, wgrm axpariakla, rap`yjakt l`p`lity, p`st gfeid`tigks `ko pe`la gc
wgrm `ra `esg t`mak iktg `llgukt.

Aeidifieity \`e`riao \aec-ajpegyao/ fusikass

@da 60 tg 3> 61tg 31

6 ya`rs `esg takura sbgueo fa 1 ya`rs `t ea`st ik lurrakt

Jikijuj wgrm axpariakla ` jikijuj gc 0 ya`rs witb fusikass

lurrakt ajpegyar

Jgkt
gktbey ikl
iklg
gja / pr
prgc
gciit Vs 06,
06,>>> par
par jgkt
gktb ( kat Vs 0 e`mb par `kkuj
iklgja) jikijuj

LIFIE \LGVA 41>+ 41>+

Eg`k `jgukt 61 e`mb 01 e`mb

3.3. Lb`rdas `ppeil`fea facgra `ko `ctar tba parsgk`e eg`k

1< | ^ ` d a
 Sary gctak
gctak wa ogk't ra`o
ra`o tba cika prikt
prikt gk ` eg`k oglujakt.
oglujakt. _ba ra`e lgst
lgst gc tba parsgk`e
parsgk`e
eg`k is visifea gkey
gkey wbak j`ky gtbar caas
caas lb`rdao `ra t`mak iktg
iktg `llgukt. Ic ygu w`kt tg
lgjp`ra witb gtbar typas gc eg`ks, it is kalass`ry tg t`ma tbasa lgsts iktg `llgukt tg `rriva `t
tba ra`e lgst. Cgr ax`jpea,
ax`jpea, tba prglassikd
prglassikd caa gr prap`yjakt caa cgr ` parsgk
parsgk`e
`e eg`k wiee fa
oiccarakt crgj tb`t cgr ` ra`e ast`ta eg`k.

Faegw is ` eis
eistt gc `ee tba caas tb`t
tb`t `ra lb`rdao facgra
facgra tba eg`k
eg`k is oisfursao gr ourikd
ourikd tba eica
gc tba eg`k gr wbak tba eg`k is tarjik`tao8

0) ^rgla
rglass
ssik
ikd
d caa
caa
6) @ov`
@ov`kl
klaa p`yj
p`yjak
aktt caa
caa
<) E`ta
E`ta p`yja
p`yjakt
kt lb`rd
lb`rdas
as (eg`k
(eg`ks)
s)
?) Lbal
Lbalm
m raf
rafgu
guko
ko lb
lb`r
`rdas
das
1) Oupe
Oupeil
il`ta
`ta Vatu
Vaturk
rkss Lb`rda
Lb`rdass
3) Oglu
Ogluja
jakt
kt`ti
`tigk
gk axpa
axpaks
ksas
as

4) _`xa
_`xass gk
gk sar
sarvi
vila
lass

0. ^rgl
^rglas
assi
sik caa8 _ba prglassikd caa is tba `jgukt tb`t f`kms lb`rda tg lgvar tba lgsts
kd caa8
gc prglassikd
prglassikd tba eg`k `ppeil`tigk
`ppeil`tigk.. ^rglassikd
^rglassikd caas v`ry crgj f`km tg f`km. \gja
f`kms `sm ygu tg p`y tba prglassikd caa upcrgkt avak facgra tba eg`k is `pprgvao.
_bis is gctak lb`rdao wbak tba eg`k `ppeil`tigk is sufjittao `egkd witb suppgrtikd
oglujakts.
oglujakts. _ba prglassikd
prglassikd caa is dakar`eey
dakar`eey ` parlakt`da
parlakt`da gc tba eg`k `jgukt `ko is
fatwaak 0 `ko 6% cgr parsgk`e eg`ks.
eg `ks. \gja f`kms lb`rda
lb `rda ` ce`t
ce` t caa gc
g c Vs 0>>> gr Vs

6>>> upcrgkt, tbak oaoult tba f`e`kla prglassikd caa (ic `ky) crgj tba eg`k `jgukt
facgra oisfursajakt.
6. ^rap
^rap`i
`io V`ta88 _ba prap`yjakt caa is tba pak`ety p`io fy tba fgrrgwar cgr legsikd tba
o V`ta
eg`k
eg`k facgra
facgra tba `ltu`e
`ltu`e tarj
tarj gc gccila
gccila.. A`re
A`rey
y ra
rap`y
p`yja
jakt
kt caas `ra lb`rda
lb`rdao
o `s `
parlakt`da gc tba gutst`koikd priklip`e gc tba eg`k `jgukt. _ba prap`yjakt caa
v`rias
v`rias crgj f`km tg f`km. It r`kdas
r`kdas crgj 6 tg 1 parlakt
parlakt gc tba gutst`koi
gutst`koikd
kd eg`k
`jgukt, ic tba rap`yjakt `jgukt axlaaos 61 parlakt gc tba gutst`koikd eg`k `jgukt.
<. E`ta
E`ta p`y
p`yja
jakt
kt lb`
lb`rdas88 Tbak tba jgktbey caa (AJI) cgr p`yikd ` eg`k is gvaroua,
rdas
tba f`km lgeealts
lgeealts tba caa `egkd witb
witb tba caas cgr tba oae`
oae`y.
y. _ba e`ta caa is `esg
`esg mkgwk

`s ` e`ta caa gr e`ta caa. E`ta

E`ta p`yjakt
p`yjakt caas `ra sat `t tba tija
tija gc sidkikd tba eg`k
eg`k

1? | ^ ` d a
 `draaja
`draajakt.
kt. _bis
_bis is `ttrifut
`ttrifut`fea
`fea ic ygu
ygu j`ma tba
tba p`yjakt
p`yjakt `ctar
`ctar tba oua o`ta.
o`ta. E`ta
E`ta
p`yjakt caas r`kda crgj
crg j 6 tg < parlakt gc tba AJI.

?. Lbal
Lbalm
m rafg
rafguk
uko
o lb`rdass8 Fguklao lbalms ja`ks tb`t ` lbalm b`s faak sufjittao cgr
lb`rda
satteajakt, fut tba `jgukt writtak gk tba lbalm axlaaos tba `v`ie`fea f`e`kla ik tba
`llgukt. It is gctak mkgwk lgeegqui`eey `s ` f`o lbalm. Lgjp`kias gctak usa
usa tba tarj
f`o lbalm. Ic pgst-o`tao lbalms `ra issuao tg tba f`km tg oafit AJI crgj tba
lustgjar's `llgukt, ygu kaao tg j`ma sura tbara `ra succiliakt cukos ik tba `llgukt
a`lb jgktb.
jgktb. Ic ` sikdea lbalm
lbalm fguklas,
fguklas, tba f`km
f`km lb`rdas
lb`rdas Vs 61> tg Vs 1>> `s `
pak`ety

1. Lb`rd
Lb`rdaa cg
cgrr oupe
oupeil
il`ta
`ta oale`r
oale`r`ti
`tigks8 Tbak tba eg`k is `pprgvao, tba eakoar prgvioas
gks8
tba lustgjar
lustgjar witb ` st`tajakt
st`tajakt oat`ieikd
oat`ieikd tba p`yjakt slbaouea.
slbaouea. Ik l`sa gc egss, ygu
l`k `sm tba f`km tg issua ` oupeil`ta
oupeil`ta f`km st`tajakt.
st`tajakt. _ba st`tajakt
st`tajakt sbgws tba eg`k
f`e`kla `ko raj`ikikd AJI. F`kms lb`rda Vs 0>>-1>> cgr issuikd oupeil`ta f`km
st`tajakts.

3. Oglu
Ogluja
jakt
kt`t
`tig
igk caass8 F`kms ijpgsa
k caa ijpgsa oglujakt`tigk
oglujakt`tigk caas
caas gk tba v`rigus
v`rigus oglujakts
oglujakts
prgvioao cgr tba eg`k `ppeil`tigk.
`ppeil`t igk. J`ky f`kms ajpegy tbiro p`rty vakogrs
va kogrs tg parcgrj
ogluj
oglujakt
akt varici
varicil`
l`tig
tigk.
k. _ba
_ba axpaks
axpaksaa cg
cgrr tbis
tbis `llgukt
`llgukt is usu`ee
usu`eey
y p`
p`ssa
ssao
o gk tg
lustgjars, wbilb r`kdas crgj Vs 1>> gr Vs 0>>>

4. \arvi t`x88 _ba sarvila

villa t`x sarvila t`x is ` t`x `ppeiao
`ppeiao tg sarvil
sarvilaa prgvioar
prgvioarss wbg b`va `kku`e
ravakuas `fgva 2 e`mbs. F`km eg`ks just c`ee witbik tba slgpa gc tba sarvila t`x. tba
sarvila t`x is lb`rdao `t tba r`ta gc 06.<3%.

11 | ^ ` d a
3.4. BOCL f`km parsgk`e eg`k iktarast r`tas

Iktarast r`ta 8 0>.41% tg 66.4>%

^arsgk`e Eg`k Oat`ies-

Eg`k @jgukt - Vs 61 e`mb (up tg 01 e`mb cgr saec-ajpegyao)
 ^rglassikd Caa - 6.1%
 E`ta Caa - 6?% p.`
 Eg`k _akura - up tg 3> jgktbs
 ^ra legsura Lgkoitigk- pra legsura l`k fa j`oa `ctar tba p`yjakt

^ra legsura Lb`rdas-

 0<- 6? jgktbs ?% gc tba prap`io `jgukt

 61- <3 jgktbs <% gc tba prap`io `jgukt

 Dra`tar tb`k <3 jgktbs - 6% gc prap`io `jgukt

Tby Gka Tiee @ppey cgr BOCL ^arsgk`e Eg`k7

 @ctar <3 jgktbs ygu b`va tg p`y gkey 6% pralegsura lb`rdas wbilb is egwar 06 AJI\
tb`k gtbar f`kms.
 Xarg Biooak Lb`rdas, Egwast ^rglassikd Caa, `ko Lgkvakiakt Vap`yjakt gptigks.
 Jikij`e p`parwgrm `ko oglujakt`tigk.

13 | ^ ` d a
Iktarast r`ta gc lb`rdas

Caa @jgukt tg fa p`io

Iktarast r`ta \`e`riao-0>.41% tg 66.4>%

up tg 6.1>% gc tba eg`k `jgukt sufhalt tg jikijuj gc

Eg`k prglassikd lb`rdas Vs 6,999
6,999/-&
/-&j`
j`xi
xijuj
juj gc Vs 61,1>>
61,1>>/-
/- cgr s`e`r
s`e`ria
iao
o
lustgjars
\`e`riao “ kg pra-p`yjakt ik p`rt gr cuee parjittao
uktie rap`yjakt gc 06 aji

^ra-p`yjakt ik p`rt gr cuee ^`rt p`yjak

yjaktt `eegwao up tg 61% gc prikli klip`e
gutst`koikd it is `eegwao gkey gkla ik tba cik`kli`e
ya`r `ko twila ourikd tba eg`k takura
^ra-p`yjakt lb`rdas \`e`riao - 0<-6? Jgktbs - ?% gc ^riklip`e
(gk ^riklip`e Gutst`koikd) / Gutst`koikd,
^`rt ^`yjakt Lb`rdas 61-
1-<
<3 Jgkt
ktb
bs - <% gc ^rikli
klip`e Guts
utst`koi
koikd
]gk ^`rt ^`yjakt `jguktZ ;<3 Jgktbs - 6% gc ^riklip`e Gutst`koikd
Kg oua larticil`ta/kg gfhaltigk
g fhaltigk KIEE
larticil`ta

Oupeil`ta gc Kg Ouas KIEE

Larticil`ta/KGL

Lb`rdas cgr e`ta p`yjakt gc AJI

6% par jgktb gk AJI / ^riklip`e gvaroua sufhalt tg
tba ` jikijuj `jgukt gc Vs. 6>>/-
ceg`tikd r`ta
Kgt `ppeil`fea

\t`jp
t`jp ou
outy
ty & gt
gtba
barr st`t
st`tut
utgr
gry
y
lb`rdas @s par `ppeil`fea e`ws gc tba st`ta

14 | ^ ` d a
Lbaqua sw`ppikd lb`rdas
Vs 1>>/-

Eg`k l`
l`k
klae
aeee`tigk lb`rda
rdas KIE (Bgwavar
var lei
leiakt wgu
wgueeo fa
fa lb`r
b`rdao
dao ikt
iktaarast cg
cgrr ttb
ba
iktarij parigo fatwaak o`ta gc eg`k oisfursajakt `ko
eg
eg`k
`k l`kl
l`klae
aee`
e`ti
tigk
gk `ko
`ko pr
prgl
glas
assi
sikd
kd ca
caas
as wgue
wgueo
o fa
rat`ikao.)
Lbaqua fgukla lb`rdas
Vs. 11>/- par lbaqua fgukla

12 | ^ ` d a
3.4.0 Lgjp`risgk gc parsgk`e eg`k iktarast r`tas ik Ikoi`

K`ja Jik iktarast Jix iktarast ^rglassikd ca

caa ^ra- le
legsura
r`ta r`ta Lb`rdas
BOCL 0>.41% 66.4>% 6.1% 6.?%

\FI 00.21% 01.0>% 6% <%

ILLI 0<.61% 09% 6.61% 1%

MG_@M 0>.99% 6?% 6.1% 1%

F@KM
@RI\ 01.1>% 04.99% 0.1-6% Kiee
F@KM
F@KM GC 00.3>% 03.3% 6% Kiee
FGVOB
F@H@H 06.?9% 03% 6.61% ?%
CIK\AVS
_@_@ 00.?9% 09% 6% ?%
L@^I_@E

EG@K ^VGLAOQVA

BOCL f`km `ogpts tba cgeegwikd prglaoura cgr tba eg`k8 -

19 | ^ ` d a
 \ufjit tba `ppeil`tigk
@ppr`is`e gc eg`k
Oglujakt`tigk
Lgkvaka tg eg`k `ppeil`kt
issua or`ct gr p`y groar

0. \ufjit ygur `ppeil`tigk8 -Cir

Cirst
st gc `ee tba fgrrgwar
fgrrgwar gc tba eg`k b`s tg `ppey
`ppey tg tba
spalicil f`km. _ba fgrrgwar
fgrrgwar is raquirao tg lgjpeata ` hgikt `ppeil`tigk
`ppeil`tigk cgrj, wbi
wbilb
lb
saams lgjprabaksiva
lgjprabaksiva ikcgrj`tigk gk tba gridiks gc tba bgeoar `ko fgrrgwar `ko tbair
fusikass katwgrm, `s waee `s tba lgst gc tba prghalt `ko al
algkgjil
gkgjil lgksioar`tigk.

6. Eg`k v`eu`tigk8 -_ba f`km b`s ` dggo r`tikd systaj cgr `k accaltiva eg`k `ko tg
j`ma rap`yjakt
rap`yjakt a`sy ik tba cutura.
cutura. _ba j`ik t`sm gc tba
tba eakoikd f`km is tg aksu
aksura
ra

tb`t tba iklgja dakar`tao fy tba eg`k is succiliakt tg rap`y tba jgrtd`da p`yjakts
`llgroikd tg tba tarjs
tarjs `ko lgkoitigks gc `jgrtiz`tigk.
`jgrtiz`tigk. _ba rism ikbarakt
ikbarakt ik tba tarj
eg`k is julb jgra tb`k tba rism ik tba sbgrt tarj eg`k fal`usa tba eg`ks `ra divak tg
kaw fusikassas, gr cgr tba jgoarkiz`tigk `ko axp`ksigk gc axistikd fusikassas `ko cgr
tba our`tigk gc tba eg`k.
eg`k. _ba jatbgos
jatbgos gc `k`eysis `ko tba st`ko`ro
st`ko`ro tg fa `ogptao cgr
tba av`eu`tigk gc tba eg`k `ra jgra sijie`r tg tba ikvastjakt oalisigk tb`k tg tba
sbgrt-tarj
sbgrt-tarj eg`k. _ba v`eu`tigk
v`eu`tigk gc tba eg`k ikleuoao tba prghaltigk
prghaltigk gc cutura trakos ik
prgoultigk, astij`tao s`eas gc lgsts, yiaeos
y iaeos `ko cegw gc cukos. It is axtrajaey oicciluet
oicc iluet
tg b`va ` sj`rt lut cgrjue` cgr tarj eg`k v`eu`tigk `s j`ky c`ltgrs sulb `s tba typa

gc oaftgr f`km `ko its `ssats, j`rmat pgtakti`e, j`k`dajakt `ko cik`kli`e pgsitigk
just fa lgksioarao
lgksioarao.. _ba eg`k
eg`k `jgukt `ko tba rap`yjakt
rap`yjakt parigo.
parigo. @kgtbar ijpgrt`kt
ijpgrt`kt
c`ltgr is wbatbar tg diva waidbt tg prgcit`fieity gr its frg`o algkgjil ijpgrt`kla ik
tba oavaegpjakt gc tba algkgjy
@ tarj eg`k l`k fa `ssassao fy lgksioarikd cgur oiccarakt `spalts gc tba prgpgs`e.
_albkil
_albkil`e
`e ca`sifie
ca`sifieity
ity,, Algkgji
Algkgjill ca`sifie
ca`sifieity
ity,, J`k`dari
J`k`dari`e
`e lgjpata
lgjpatakla,
kla, Cik`kli
Cik`kli`e
`e
ca`sifieity
<. Oglujakt`tigk8 -@ctar lgjpeatikd tba `ppeil`tigk pb`sa `ko tba eg`k av`eu`tigk
systaj. _bak tba eg`k `ppeil`kt
`ppeil`kt b`s tg lgeea
lgeealt
lt tba oglujakt tg fgrrgw
fgrrgw tba eg`k, `ee

tba oglujakts `ko raquirajakts `ra kaaoao `llgroikd tg tba lggpar`tiva f`km r`ta. Ic

3> | ^ ` d a
 tba eg`k `ppeil`kt wisbas tg fgrrgw ` buda `jgukt eg`k, tbak ik ` jgjakt strgkd
oglu
ogluja
jakt
ktss `ra
`ra pr
pras
asak
akta
tao
o fy tb
tbaa eg
eg`k
`k `p
`ppe
peil
il`k
`ktt `d
`d`i
`iks
kstt tba
tba f`
f`km
km `s pr
prgg
ggcc gc
sb`rabgeoars, gridik`e `ko pbgtglgpy gc gwkarsbip oglujakts, pbgtglgpy gc tba t`x
ratu
raturk
rk gc tb
tbaa e`st
e`st tbraa
tbraa ya`rs
ya`rs,, atl.
atl. Ic eg`
eg`k
k `p
`ppe
peil
il`k
`kts
ts b`va
b`va kg sb`ra
sb`rabg
bgeo
eoar
ar
ralgjjako`tigk, tba f`km cirst falgjas ` sb`rabgeoar gc its f`km fy issuikd sb`ras tg
tbaj, tbak tba `fgva typas gc oglujakts `ra usao tg fgrrgw eg`ks `ko `ov`klas crgj
tba f`km.

?. Lgkvaka tg eg`k `ppeil`tigk @ctar d`tbarikd tba kalass`ry oglujakts,

oglujakts, `k gccili`e gc
tba fakacili`ry f`km ax`jikas it tg `slart`ik wbatbar it is lgjpeata cgr prglassikd,
wbak tba `ppeil`t
`ppeil`tigk
igk is lgksioar
lgksioarao
ao lgjpeata.
lgjpeata. _bak
_bak tba lggpar`t
lggpar`tiva
iva f`km baeo tba
jaatikd gc its eg`k `ppeil`kt
`ppeil`kt `ko s`kltigkao
s`kltigkao tba eg`k ik p`rtilue`r.
p`rtilue`r. Dakar`eey
Dakar`eey tbis
jaatikd is lgkvakao gk Jgko`ys `ko _burso`ys gc a`lb waam. Gtbarwisa it cgrasaas
it ik gtbar lgktikdakt situ`tigks `ko prgvioas o`ta, o`y `ko tija tg oae`y ` p`rtilue`r
jaatikd.

1. _g issua ` or`ct gr ` p`yjakt groar8 - _ba e`st stap is tb`t, `ctar tba eg`k `ppeil`kt
b`s faak sujjgkao `ko tba eg`k s`kltigkao, tba fgrrgwar just p`y tba st`jp outy,
j`rdi
j`rdik
k `ko gka ik
ikst`
st`ej
ejakt
akt gc tb
tbaa eg
eg`k,
`k, tbak
tbak ik tba
tba st`j
st`jp
p ogluj
oglujakt
akt gr st`jp
st`jp
prglaoura. _bak tba f`km divas tbaj ` p`yjakt groar gr ` fiee gc axlb`kda. Ic tba
eg`k fgrrgwars w`kttg fuy j`lbikary gr vabileas crgj gut gc tgwk, sg it kaaos tba
qugta gc tb`t p`rtilue`r lgjp`ky, `ko cik`eey tba f`km j`oa ` or`ct gc tba lgjp`ky
k`ja gtbarwisa ic tba tgwk `ra` qugta `t ` tija tba lggpar`tiva f`km oio tba p`yjakt
groar gc tba lgjp`ky k`ja. It divas tbaj tg tba lgjp`ky tbrgudb ` eg`k `ppeil`kt.

4 c`ltgrs tb`t oatarjika w

wbatbar
batbar ygu eg`k
eg`k dats s`kltigkao

Eg`ks `ra kg egkdar lgksioarao ` e`st rasgrt tg fuy ` lgvatao sj`rtpbgka gr ora`j bgja.
Gvar tba p`st oal`oa, pagpea b`va falgja eass raeult`kt tg t`ma gut ` eg`k, fa it parsgk`e,
`utgjgtiva,
`utgjgtiva, aoul`tigk`e,
aoul`tigk`e, fusikass gr bgusabgeo,
bgusabgeo, aspali`eey wbak tbay ogk't b`va ` eujp suj

`v`ie`fea. Ik `ooitigk, bgja `ko aoul`tigk eg`ks prgvioa t`x fakacits tb`t raoula t`x ei`fieity

30 | ^ ` d a
`ko iklra`s
iklra`saa `v`ie`fea
`v`ie`fea l`sb
l`sb crgj s`e`
s`e`ry
ry iklgja.
iklgja. It `esg
`esg baeps f`kms
f`kms j`ma
j`ma it a`sy cgr
cgr
lustgjars `ko pgtakti`e fgrrgwars tg gft`ik eg`ks witb ` jikijuj gc p`parwgrm, quilm
aeidifieity
aeidifieity lbalms, `ko lgjpatitiva
lgjpatitiva iktarast
iktarast r`tas. _bay b`va gpakao `k gkeika
gkeika lb`kkae tg
`ppey `ko sufjit oglujakts
oglujakts cgr tba `pprgv`e prglass.
prglass. Ic ygu stiee ciko tba eg`k `ppeil`tigk
`ppeil`tigk
`ko raviaw prglass iktijio`tikd, bara is ` eist gc savak c`ltgrs tb`t wgueo oatarjika ygur
sufjissigk `pprgvao8

 Lraoit bistgry8 Lraoit bistgry is ikoil`tiva gc cutura p`yjakt fab`vigur, f`sao gk tba
p`st eg`k rap`yjakt p`ttark. It baeps
baep s tba f`km mkgw ic it wiee fa gk
g k tija `ko radue`r
ra due`r
witb its p`yjakts.
p`yjakts. @ky p`st vige`tigks
vige`tigks gr oae`ys `ra raviawao
raviawao - tba egkdar tba oae`y,
tba egwar tba slgra is eimaey tg fa. It ogask't baep ic ygu ogk't b`va ` lraoit bistgry, `s
tbara `ra kg `ssujptigks tg lgksioar, sulb `s ` lraoit l`ro gr eg`k b`s kgt faak usao
ik tba e`st lgupea gc ya`rs. Bgwavar,
Bgwavar, ygu l`k sgeva tbis prgfeaj fy maapikd
maapikd ` lraoit

l`ro witb kg oac`uet. Dakar`eey, ` lraoit slgra fatwaak 4>> `ko 2>> is pgsitiva. _bis
ja`ks tb`t ygu wiee eimaey fa c`vgurao `s ` lgkcioakt l`koio`ta witb ` lea`k ralgro
`ko kg oac`uet sattikds.
sattikds. Gk tba gtbar b`ko, ` lraoit slgra faeg
faegw
w <>> wiee iklra`sa tba
eimaeibggo gc ygur `ppeil`tigk faikd rahaltao. \pali`eizao `daklias sulb `s LIFIE `ra
` sgurla gc lraoit r`tikds crgj wbilb f`kms saam ikcgrj`tigk tg `ssass tbair sgevakly.

 Tgrm Axpariakla8 F`kms av`eu`ta ygur wgrm bistgry `ko lurrakt lgjjitjakt tg
aksur
aksuraa tb
tb`t
`t ygur sgurla
sgurla gc iklgj
iklgjaa is raei`fe
raei`fea.
a. @ f`km
f`km w`kt
w`ktss tg fa sura
sura tb`t
tb`t its
its

ajpegy
ajpegyar
ar is ci
cik`
k`kl
kli`
i`ee
eey
y sg
sguk
uko,
o, wiwitb
tb kg bist
bistgr
gry
y gc oa
oac`
c`ue
uett gr oa
oae`
e`y
y ik p`p`yi
yikd
kd
ajpegyaa
ajpegyaas'
s' w`das.
w`das. _ba st`fiei
st`fieity
ty gc ygur hgf is `esg ijpgrt`
ijpgrt`kt.
kt. _baracg
_baracgra,
ra, pufeil
pufeil
wgrms b`va tba `ooao `ov`kt`da gc faikd parlaivao `s s`ca lgjp`rao tg eassar mkgwk
priv`ta lgjp`kias
lgjp`k ias gr craae`klars.
cra ae`klars. Ic ygu wgrm witb ` prgjikakt
prgjika kt ikstitutigk, sulb `s `
feua-lbip lgjp`ky, ygur lb`klas `ra hust `s dggo. ^rgcassigk`es sulb `s ogltgrs,
L@s, akdikaars,
akdikaars, `ko e`wyars
e`wyars `ra `esg lgksioarao
lgksioarao s`ca. _ba ioa` is tb`t ygur `fieity
`fieity tg
rap`y
rap`y tba eg`k oapako
oapakoss gk ygur
ygur ik
iklgj
lgja,
a, sg ygur
ygur sgurl
sgurlaa just
just fa ra
raei
ei`fe
`feaa `ko
lgksistakt. F`kms pracar l`koio`tas wbg b`va wgrmao tba egkdast ik tbair lurrakt hgf,
`s it `esg ast`feisbas st`fieity.

36 | ^ ` d a
 @da8 Ygur `da is ijpgrt`kt
ijpgrt`kt fal`usa it is ikoil`tiva
ikoil`tiva gc ygur cik`kli`e
cik`kli`e st`fieity.
st`fieity. Ygu
st`rt wgrmikd `t 6> `ko fy tba tija ygu turk <> ygu wiee b`va civa gr six ya`rs gc
wgrm axpariakla.
axpariakla. \g ygu `ra cik`kli`eey
cik`kli`eey st`fea `ko leijf
leijf tba prgvarfi`e
prgvarfi`e lgrpgr`ta
lgrpgr`ta
e`ooar witb ` fattar
fattar s`e`ry. @s ygu jgva gvar tba kaxt
kaxt 6> tg <> ya`rs, ygu wiee b`v
b`vaa
cawar ya`rs gc iklgja
iklgja tg p`y gcc ygur eg`ks. _baracgra,
_baracgra, ` eg`k `ppeil`tigk
`ppeil`tigk ourikd
ygur ratirajakt ya`rs is eimaey tg fa rahaltao.

 Iklgja8 @s `era`oy jaktigkao, ygur iklgja raprasakts ygur rap`yjakt l`p`lity.

F`kms av`eu`ta tbair a`rkikd l`p`lity ik tba lgktaxt gc axistikd oaft gfeid`tigks,
oapakoakts,
oapakoakts, sgurla `ko our`tigk.
our`tigk. Ik tbis lgktaxt,
lgktaxt, gka gc tba j`ky
j`ky tbikds tba f`km
f`km
lgktrges is ` succiliakt surpeus `ctar AJI p`yjakts. Ic tbis is oaajao iksucciliakt, tba
f`km ikcars tb`t it is tgg oisparsao `ko risms oac`uetikd. Bgwavar, ic tba r`tig is civa
tijas gr jgra, tba f`km wiee lgksioar ygu cik`kli`eey sguko. Eimawisa, j`ky f`kms

pracar `ppeil`kts wbg cieao tbair I_ raturks `ko p`io tbair t`xas
t`x as r`tbar
r`tb ar tb`k tbgsa wbg
j`y b`va cieao t`x-axajpt
t`x-axajpt fal`usa tbair
tbair iklgja
iklgja w`s kgt t`x`fea.
t`x`fea. Ygur aeidifieit
aeidifieity
y
ijprgvas ic ygu l`k sbgw `ooitigk`e
`ooitigk`e sgurlas gc iklgja, sulb `s ygur spgusa's s`e`ry.
_bis ikoil`tas fattar p`yikd l`p`lity,
l`p`lity, `s ygu b`va jgra tb`k gka sgurla gc iklgja tg
t`p iktg. Hgikt eg`ks `ra gccarao cgr tba s`ja ra`sgk8 tba lgjfik`tigk gc tba `ppeil`kt
`ko lg-`ppeil`kt's jgktbey s`e`rias rasuets ik jgra iklgja tg p`y gcc ` bidbar eg`k.

 Vap`yjakt - Ic ygu lbggsa ` sbgrtar rap`yjakt parigo, ygu b`va ` fattar lb`kla gc

dattikd tba eg`k `pprgvao.

dattikd `pprgvao. \avar`e
\avar`e f`kms
f`kms `ra ik c`vgr gc raquasts
raquasts cgr ` rap`yjakt
rap`yjakt
tarj gc up tg civa ya`rs. @s tba raijfursajakt
raijfursajakt parigo cgr civa-ya`r
civa-ya`r l`ros (0>, 01, 6>
`ko 61 ya`rs) iklra`sas, tba slgra oalra`sas. _baracgra, maapikd it sbgrt is tba j`ktr`
wbak saamikd f`km `pprgv`e cgr ` eg`k.

 Du`r`ktaa8 tba du`r`ktaa ygu prgvioa tg tba f`km ourikd tba eg`k `ppeil`tigk lgueo
baep ygu gft`ik
gft`ik tba eg`k ik ` sijpear
sijpear `ko c`star
c`star w`y.
w`y. \ikla
\ikla tba eg`k `jgukt
`jgukt is `
parlakt`da gc tba `ppr`isao v`eua gc tba lgee`tar`e, ` bidb-v`eua `ssat lgueo ja`k `
jgra s`kltigkao lraoit cgr ygur usa. _ba `ssat l`k fa ra`e (e`ko gr bgja) gr parsgk`e

3< | ^ ` d a
 (vabilea, ikvaktgry, aquipjakt, ikvastjakts, iksur`kla pgeilias, dgeo hawaery, `rt, `ko
gtbar sijie`r
sijie`r v`eu`feas). @etbgudb parsgk`e
parsgk`e eg`ks (ikleuoikd
(ikleuoikd gutst`koikd lraoit l`ro
f`e`kla) `ra uksalurao
uksalu rao eg`ks,
eg`ks , `pprgv`e gc ` eg`k tg fuy ` l`r gr bgja, ruk ` fusikass
gr stuoy wiee kgt fa gft`ikao ukeass tbara `ra `oaqu`ta du`r`ktaas.
 Jgkat`ry j`rdik8 _ypil`eey, f`kms `ra wieeikd tg cik`kla up tg 2>% gc tba lgst gc
tba eg`k purpgsa
purpgsa `ko axpalt
axpalt tba fgrrgwar
fgrrgwar tg cix tba f`e`kla.
f`e`kla. Bgwavar
Bgwavar,, ic ygu l`k
lgktrifutaa jgra tb`k 0>-6>%, tba f`km wiee
lgktrifut wiee kgt stgp ygu. V`tbar,
V`tbar, ygu wiee ralgdkiza
tb`t ygu `ra wieeikd tg raoula tba f`km's axpgsura tg oac`uet rism `ko `pprgva ygur
raquast
raquast sggkar.
sggkar. _ba ogwk
ogwk p`yjakt
p`yjakt ygu l`k j`ma wiee
wiee b`va ` fid ijp`lt
ijp`lt gk ygur
aeidifie
aeidifieity
ity cgr bgja,
bgja, aoul`tig
aoul`tigk,
k, l`r, gr fusikas
fusikasss eg`ks. Ik `ooitig
`ooitigk
k tg tbasa supar
supar
savak c`ltgrs, ygur axistikd rae`tigksbip witb tba f`km `esg j`ttars. Ic ygu `ra ` egkd-
tija lustgjar, ygur lb`klas gc dattikd ` eg`k `ra fattar, aspali`eey ic ygu b`va ` lea`k
ralgro. C`jiei`rity
C`jiei`rity witb ygur cik`kli`e
cik`kli`e f`lmdrguko
f`lmdrguko baeps tba f`km oatarjika
oatarjika ygur
lurrakt cik`kli`e
cik`kli`e ba`etb. @ooitigk`eey,
@ooitigk`eey, witb sgja f`kms, ikleuoikd
ikleuoikd BOCL F`km, ygu
l`k kgt gkey varicy ygur aeidifieity, fut `esg a`siey raquast `ko sb`ra oglujakts
gkeika. Kgt gkey tb`t, BOCL
BOCL F`km's
F`km's saealtao
saealtao `ko pra-`pprgvao lustgjars
lustgjars dat tba
tba
eg`k oisfursao ik 0> salgkos.

Vahaltigk gc tba BOCL F`km parsgk`e eg`k

@ parsgk`e eg`k is ` vars`tiea uksalurao eg`k `ko l`k fa rahaltao cgr ` v`riaty gc ra`sgks.
Jgra parsgk`e eg`k racus`es lgueo iklra`sa ygur tgudb le`ijs `ko uetij`taey kad`tivaey

3? | ^ ` d a
ijp`lt ygur lraoit slgra. Axtaksiva ikvastid`tigks ikoil`ta tb`t ygu `ra a`dar cgr jgra lraoit,
`k
`ko
o eakoar
eakoarss l`k `ssuj
`ssujaa tb
tb`t
`t ygu `ra ` rismy
rismy fgrrgw
fgrrgwar
ar.. Ic ygur ralakt
ralakt parsgk`
parsgk`ee eg`k
eg`k
`ppeil`tigk witb BOCL F`km w`s rahaltao, ygu j`y w`kt tg ciko gut tba ra`sgks cgr tba
racus`e. Va`o gk tg ea`rk jgra
jgra `fgut wby ygur parsgk`e eg`k `ppeil`tigk j`y fa rahaltao.

Va`sgks cgr tba oaleika ik BOCL F`km parsgk`e eg`k

_ba ra`sgks cgr racusikd ` parsgk`e eg`k l`k fa oatarjikao ik dakar`e tarjs ik six ra`sgks,
bgwavar, tbasa v`ry crgj gka eakoar tg `kgtbar, a`lb eakoar b`s its gwk iktark`e pgeily cgr
oatarjikikd lraoitwgrtbikass `ko rism `ssassjakt.

^ggr lraoit slgra

Qkst`fea wgrm
Iksucciliakt iklgja
Ba wgrms ik ` priv`ta lgjp`ky axleuoao crgj tba eist
Ogk't c`ee witbik tba `da eijit
Ygu eiva ik ` pe`la wbara tba oac`uets `ra bidb

Lritari` cgr Vahaltigk gc tba BOCL F`km parsgk`e eg`k

A`lb f`km b`s its gwk aeidifieity

aeidifieity lritari`
lritari` cgr parsgk`e eg`k `pprgv`e.
`pprgv`e. Curtbarjgra,
Curtbarjgra, tba
ra`sgks cgr BOCL F`km's oaleika ik parsgk`e eg`ks j`y v`ry `llgroikd tg tba oaleika
lritari`
lritari` gc gtbar
gtbar f`kms. _ba cgeegw
cgeegwikd
ikd lgueo
lgueo fa tba j`ik
j`ik ra`sgks wby BOCL
BOCL F`km
parsgk`e eg`k lgueo fa rahaltao.

Vaquirajakt Ajpegyjakt 8

BOCL F`km gccars parsgk`e eg`ks axleusivaey tg ikoiviou`es, ogltgrs, pufeil `llgukt`kts,
ajpegya
ajpegyaas
as gc priv`ta
priv`ta lgjp`ki
lgjp`kias,
as, ajpegya
ajpegyaas
as gc pufeil
pufeil saltgr
saltgr lgjp`ki
lgjp`kias,
as, ikleuoik
ikleuoikd
d
laktr`e, st`ta `ko egl`e `daklias. Ic ygu og kgt c`ee iktg tbis l`tadgry, it is vary eimaey tb`t
ygur parsgk`e eg`k `ppeil`tigk wiee fa rahaltao. \gjatijas ygu j`y fa wgrmikd cgr `
priv`ta lgjp`ky `ko stiee b`va ygur parsgk`e eg`k oaleikao. _bis lgueo b`ppak ic tba
lgjp`ky ygu wgrm cgr wara ikleuoao ik tba l`tadgry gc lgjp`kias axleuoao fy tba f`km

 @da lritari`8
 31 | ^ ` d a

_g fa aeidifea cgr ` parsgk`e eg`k `ppeil`tigk, ygu just fa `t ea`st 60 ya`rs geo `ko kg
jgraa tb`k 3> ya`rs geo. Ic ygu og kgt c`ee witbik
jgr witbik tbis `da r`kda, ygur
ygur BOCL F`km
F`km
parsgk`e eg`k `ppeil`tigk wiee fa
f a rahaltao.
rahaltao . _ba f`km
f`k m sats `k `da eijit fal`usa
fal`u sa tbay
tb ay w`kt
tg j`ma sura ygu l`k rap`y tba eg`k witbgut tgg julb oicciluety.

Iksucciliakt iklgja8

@ st`fea sgurla gc iklgja is prggc tg `ky eakoar tb`t ygu `ra `fea tg p`y gcc ygur parsgk`e
eg`k.. A`lb
eg`k A`lb f`km sats ` jikiju
jikijuj
j jgktbey
jgktbey gr `kku`e
`kku`e iklgja
iklgja raquiraja
raquirajakt
kt ik groar
groar tg
qu`eicy
qu`eicy cgr ` parsgk`e
parsgk`e eg`k.
eg`k. \ijie`
\ijie`rey,
rey, BOCL
BOCL F`km b`s ast`feis
ast`feisbao
bao ` jikiju
jikijuj
j kat
jgktbey iklgja
iklgja gc IKV 01,>>>, fut tba iklgja eijit is kgt tba s`ja ik `ee litias. ^agpea
rasioikd
rasioikd ik jatrgpg
jatrgpgeit`
eit`k
k lit
litias
ias eima Jujf`i,
Jujf`i, Oaebi,
Oaebi, Fakd`eu
Fakd`euru,
ru, Lbakk`i
Lbakk`i,, Byoar`f
Byoar`f`o,
`o,
^uka, Mgem`t`, Lglbik, @bjao`f`o just b`va ` jikijuj jgktbey iklgja gc IKV
6>,>>>. Ic ygu ogk't jaat tbis jikijuj
jikijuj iklgja raquirajakt, ygur BOCL F`km parsgk`e
eg`k `ppeil`tigk j`y fa rahaltao.

 ^rgcassigk`e ikst`fieity8

Craquakt hgf lb`kdas diva tba eakoar tba ijprassigk tb`t ygu `ra kgt trustwgrtby cgr tba
grd`kiz`tigk ygu wgrm cgr. Titb tbis kgtigk, it j`y fa oicciluet tg gft`ik ` parsgk`e eg`k,
`s it is `k uksalurao eg`k cgr wbilb kg lgee`tar`e kaaos tg fa peaodao.BOCL F`km axpalts
its fgrrgwar tg b`va ` st`fea hgf cgr `t ea`st 6 ya`rs `ko, jgra ijpgrt`ktey, wiee fa
wgrmikd cgr tba lurrakt ajpegyar ik tba e`st ya`r.

^ggr lraoit slgra8

Lraoit slgra dakar`ta

dakar`ta ` lraoit
lraoit slgra f`sao gk lraoit fab`vigur.
fab`vigur. @ dggo slgra
slgra racealts
racealts
ygur raspgksifieity ik j`k`dikd ygur cik`klas. Eakoars lgksioar it `k ijpgrt`kt lritarigk
cgr `ssassikd tba lraoitwgrtbika
lraoitwgrtbikass
ss gc fgrrgwars. B`vikd ` egw lraoit r`tikd wiee o`j
o`j`da
`da
ygur aeidifi
aeidifieity
eity cgr ` parsgk`e
parsgk`e eg`k. _bis
_bis lgueo fa gka gc tba j`ik ra`sgks
ra`sgks wby ygur
BOCL F`km parsgk`e eg`k `ppeil`tigk j`y b`va faak rahaltao.

 `ppeil`tigks ik ` sbgrt tija 8 _bis is `kgtbar lritarigk

_gg j`ky `ppeil`tigks lritarigk tb`t
tb`t lgueo ea`o
ea`o tg
tba racus`e gc ` parsgk`e eg`k.
eg`k. _gg j`ky eg`k `ppeil`tigks
`ppeil`tigks diva tba eakoar
eakoar `k ikoiralt
leua tb`t ygu `ra lraoit bukdry `ko lgueo falgja ` rismy l`koio`ta.
 33 | ^ ` d a

BOCL f`km parsgk`e eg`k racus`e `ko its ijp`lt gk lraoit slgra

_ba `kswar tg tbis quastigk oapakos gk tba eavae gc prglassikd ygur parsgk`e eg`k
`ppeil`t
`ppeil`tigk.
igk. _ba fgrrgwar
fgrrgwar dakar`e
dakar`eey
ey `ppeias
`ppeias cgr ` parsgk`
parsgk`ee eg`k
eg`k `ctar lbalmikd
lbalmikd tba
aeidifieity
aeidifieity lritari`
lritari` `ko sufjittikd
sufjittikd tba oglujakt.
oglujakt. Ik l`sa gc oicciluety
oicciluety ik prgvioikd
prgvioikd tba

raeav`kt
raeav`kt ogluj
oglujaktakts,
s, tba BOCL
BOCL F`km
F`km parsgk
parsgk`e
`e eg`k
eg`k j`y fa racusa
racusao.
o. Ic `ee
`ee ygur
oglu
ogluja
jakt
ktss `ra
`ra va
vari
rici
ciao
ao,, tb
tbaa eako
eakoar
arss wiee
wiee lb
lbal
almm yg
ygur
ur lr
lrao
aoit
it slgr
slgraa tg `ssa
`ssass
ss yg
ygur
ur
lraoitwgrtbikass.
lraoitwgrtbikass. It's l`eeao
l`eeao ` oicciluet
oicciluet ikvastid`tigk.
ikvastid`tigk. Ik tba wgrst l`sa,
l`sa, ic ygur lraoit
lraoit
slgra is egw `ko ygur parsgk`e eg`k is turkao ogwk, tba b`rsb ikvastid`tigk wiee b`va eass
ijp`lt gk ygur lraoit
lraoit slgra. _baracgra,
_baracgra, ic ygu `ra c`lao witb
witb jgra oicciluet
oicciluet oaj`kos,
oaj`kos,
ygur lraoit slgra wiee suraey succar.

BOCL F`km ^arsgk`e Eg`k Saricil`tigk ^rglass

BOCL F`km's parsgk`e eg`k `pprgv`e prglass is sijpea `ko julb c`star cgr BOCL F`km's
axistikd
axistikd lustgjar
lustgjars.
s. _bay
_bay l`k `ppey gkeika
gkeika `ko dat pra-`ppr
pra-`pprgvao
gvao parsgk`e
parsgk`e eg`k gccars
witb
witb `ttr`ltiva
`ttr`ltiva iktarast
iktarast r`tas.
r`tas. _ba eg`k `jgukt
`jgukt is oiralte
oiraltey
y lraoita
lraoitao
o tg ygur `llgukt
`llgukt
ijjaoi`taey.
ijjaoi`taey. _ba `ppeil`tigk
`ppeil`tigk prglass is oiccarakt
oiccarakt cgr gtbar leiakts. _ba fgrrgwar
fgrrgwar just
`ppey cgr ` parsgk`e eg`k gkeika gr oiraltey ogwkeg`o tba `ppeil`tigk cgrj crgj tba
gccili`ee wafsita gr visit tba ka`rast BOCL
gccili` BOCL F`km fr`klb. _bay l`k `esg l`ee BOCL
BOCL F`km
lustgjar sarvila tg lgktikua tba `ppeil`tigk prglass.

@ raprasakt`tiva gc tba BOCL F`km wiee lgeealt tba lgjpeatao `ppeil`tigk cgrj `ko `ee
oglujakts kalass`ry cgr varicil`tigk. _ba f`km wiee lbalm tba f`lmdrguko gc tba leiakt's
parsgk`e `ko prgcassigk`e ikcgrj`tigk. Ic tbara is `ky oislrap`kly witb tba ikcgrj`tigk

prgvioao, BOCL F`km's parsgk`e eg`k `ppeil`tigk wiee eimaey fa rahaltao. @ctar p`ssikd
tba oglujakt varicil`tigk `ko aeidifieity lritari`, tba st`tus gc tba `pprgv`e prglass jgvas
tg tba cik`e eavae. Ik tba cik`e st`da, tba iktarast
iktarast r`ta `ko tarj `ra sat `ko sufjitt
sufjittao
ao cgr
ralgdkitigk.

LB@^_AV8 4
 34 | ^ ` d a

VA\A@VLB JA_BGOGEGDY

VA\A@VLB JA_BGOGEGDY
_ba rasa`rlb oalioas tg og survay gc ^e`stil jgkay usars tba rasa`rlbar
rasa`rlbar usa survay jatbgo

cgr prasakt.
4.0 \gurlas gc O`t`8
^rij`ry o`t` `ko salgko`ry o`t` wara lgeealtao cgr prasakt stuoy8
0. ^ri
^rij`ry O`t`8 _ba
j`ry _ba ik
ikcg
cgrj
rj`t
`tig
igk
k lgee
lgeeal
alta
tao
o ik tba
tba pr
prij
ij`r
`ry
y o`t`
o`t` is f`sa
f`sao
o gk
quastigkk`ira ,parsgk`e iktarviaw `ko survay jatbgo fy usikd tba st`tistil`e `k`eysis
6. \algko`ry O`t`8 \algko`
\algko`ry \algko`ry
ry o`t` `ra o`t`, wbilb b`s faak lgeealtao `ko lgjpieao ik
`ov`kla cgr `kgtbar kaaoao purpgsa. \algko`ry o`t` is `k ijpgrt`kt jatbgo tg mkgw
tba prasakt
prasakt prgfe
prgfeaj
aj c`lao
c`lao fy tb
tbaa `llguk
`llguktt bgeoa
bgeoars
rs ik tba
tba ciaeo
ciaeo gc BOCL
BOCL F`km.
F`km.
Kawsp`pars, `rtileas, fggms, j`d`zikas atl. b`va faak usao tg prap`ra tba

quastigkk`ira

4.6 Jatbgo usa cgr oalioikd tba s`jpeikd pe`k8

_ba rasa`rlbar usao r`kogj s`jpeikd jatbgo tg lgeealt o`t`.
4.< \`jpeikd ^e`k8
_ba s`jpea siza lgkstitutao gc 21 raspgkoakts ik c`jiey,
c`jiey, criakos, BOCL lustgjar , oiccarakt
oiccarakt
typas f`km lustgjars ,sakigrs `ko M`ey`k `ra`.
4.? O`t` lgeealtigk ikstrujakt8
_ba typa gc ikstrujakt usao cgr o`t` lgeealtigk cgr survayikd w`s Puastigkk`ira.

4.1 V`tikd \l`ea8 Eimas sl`ea w`s usao ik tba quastigkk`ira.

4.3 O`t` prglassikd `ko `k`eysis pe`k8

_ba o`t` w`s prglassao `ko `k`eysao witb tba baep gc parlakt`das usikd axlae sbaat.

LB@^@_AV 2
 32 | ^ ` d a

L`sa stuoy

^arsgk`e eg`k gc BOCL f`km ( lustgjar)

K`ja8 \ujit Lb`kor`m`kt J`rlb`koa

O`ta gc firtb8 64->4-0993

Dakoar8 J`ea

J`rit`e st`tus8 Qkj`rriao

Axistikd Vae`tigksbip8 Yas

Vasioakti`e @oorass8 \`t`kists Vggj Kg 1 ,ka`r @xis f`km @_J \biv`hi lgegky ,M`ey`k
A`st ?60<>3

K`ja Gc Ajpegyar8 BOF CIK@KLI@E \AVSILA\.

@oorass gc Ajpegyar8 _albkg Lity fabiko BOCL F`km j`b`pa db`k sgei K`vi Jujf`i
?>>4><

Kujfar gc ya`r sika ajpegyjakt 8 <ya`r

JgfieaKg82?1?2>4<<>

Vasioakla typa8 Vaktao

Eiva ik tba lity gc rasioakla cgr8 \ikla6>03

Eiva ik tba lurrakt rasioakla cgr86ya`r

Jgktbey AJI8 1191

Kujfar gc AJI p`io 8 66

Lurrakt eg`k r`ta8 0?%

Ygu T`kt tg eg`k gc Vs86,32,>>>

 39 | ^ ` d a

F`kmikd Vae`tigksbip oat`ies

Egdik oglujakts prgvioao8

Kg oglujakts raquirao cgr

cg r pra-`pprgvao parsgk`e
parsg k`e eg`k(^@^E)

@ctar tba ciea egddao ik prgparey it wakt tg lgkt`lt pgikt varicil`tigk Cgr taeapbgka tbak it is

Ikiti`tao `s taee l`eeikd gm

@ooitigk`e oglujakts raquirao8

I_V lgpy gc 6>>3, tg saa ik lgja crgj fusikass & prgcassigk ik l`sa is ukoar saec-ajpeg
saec-ajpegyao
yao
Cgr

Fusikass lgktikuity tba6>>3 lgpy oaj`koao.

@ctar it wakt tg lraoit tbak pbysil`e varicil`tigk w`s ikiti`tao.

SV ogka `t gccila, jat tbis _`cc, prija egl`tigk prgp lgkcgrjao ,satup `ltivitias.

_bak
_bak LIFIE
LIFIE rapgrt
rapgrt lbalmao
lbalmao ,LIFIE
,LIFIE rapgrts
rapgrts Lraoiti
Lraoitikd
kd Ikcgrj`
Ikcgrj`tigk
tigk fura`u
fura`u Ikoi`
Ikoi` Eijita
Eijitao
o
rapgrt.

@ctar cguko t`rdat eg`ks racealt ik LIFIE witb lea`r tr`lm. It wiee dg tg aeidifieity, `ko tbak it
wiee prglass cgr oisfursajakt.

Oisfursajakt Oglujakts raquirao8

 @draajakt
 Kaw `ppeil`tigk cgrj(Kg lgrraltigk
lgr raltigk gvar writikd)
 @ppeil`kts pbgtgdr`pb
 ^gst-o`tao lbaqua 3> lbaqua
 Ic AL\ tbak 9lbaquas raquirao Cgr salurity purpgsas
 AL\ ogka fy tba f`km gkey wbilb sufjittao ik prij`ry eavae
 Ic tba lbaqua divak fy lurrakt `llgukt _bak sgea prgpriatgr
prgpriatgr oale`r`t
oale`r`tigk
igk is
is
raquirao
 4> | ^ ` d a

@ppeil`kt eg`k Aeidifieity 8 1,>>,>>>

@ppeil`kt s`kltigk Eg`k8 6,32,>>>

V`ta gc iktarast (VGI)8 0?%

_akura8 3>jgktbs

Eg`k typa8 ^ra-@pprgvao parsgk`e eg`k(^@^E)

AJI Vs8 1191

Eg`k prglassikd caas8 632>

@ov`kla AJI8 >

 40 | ^ ` d a

LB@^_AV8 9

O@_@ @K@EY\I\ @KO IK_VA^VA_IGK

0)_@FEA \BGTIKD OI\_VIFQ_IGK GC @DA

@DA DVGQ^ parlakt`da lgukt

6>-<> 26.<1% 4>

<>-?> 0?.06% 06

?>-`fgva <.<1% <

_gt`e 0>>% 21

@K@EY\I\ “

_ba `fgva t`fea sbgws tb`t-

26.<1% gc tba raspgkoakts c`ee ukoar tba `da drgup gc 6> - <> ya`rs,

0?.06% gc tba raspgkoakts c`ee ukoar `da drgup gc <> - ?> ya`rs `ko

<.<1% gc tba raspgkoakts faegkdikd tg `da drgup gc ?> `ko `fgva ya`rs.

@DA DVGQ^
<% @DA DVGQ^
0?%
6>-<>

<>-?>

?>-`fgva

_gt`e

26%

IKCAVAKLA -Bakla it lea`rey sbgws tb`t ba j`hgrity gc tba raspgkoakts c`ee ukoar tba `da
drgup gc 6> - <> ya`rs i.a. 26.<1%
 46 | ^ ` d a

6) _@FEA \BGTIKD OI\_VIFQ_IGK GC DAKOAV

Dakoar ^arlakt`da lgukt

Caj`ea 13.?4% ?2

J`ea ?<.1<% <4

_gt`e 0>>% 21

@K@EY\I\ “

_ba t`fea sbgws tb`t tbara `ra “ ?<.1<% gc j`ea raspgkoakts

Dakoar 13.?4% gc caj`ea

raspgkoakts

Caj`ea
?<.1<%== ??%
?<.1<% ?? %
13.?4%== 13%
13.?4% 1 3% J`ea

IKCAVAKLA-

_bus tba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts `ra caj`ea i.a. 13.?4%.
 4< | ^ ` d a

<) _@FEA \BGTIKD OI\_VIFQ_IGK GC jgktbey s`e`ry

Jgktbey s`e`ry ^arlakt`da LGQK_

Eass tb`k- Vs 01>>> 1>.19% ?<

Vs.01>>>-Vs <>>>> <1.69% <>

Vs jgra tb`k - <>>>> 0?.06% 06

Jgktbey s`e`ry

0?.06%

^arlakt`da <1.69%

1>.19%

>.>>% 0>.>>% 6>.>>% <>.>>% ?>.>>% 1>.>>% 3>.>>%

Eass
Eass tb
tb`k
`k-- Vs
Vs 01>
01>>>
>> Vs.01
Vs.01>>
>>>-
>-Vs
Vs <>>
<>>>>
>> Vs jg
jgra
ra tb
tb`k
`k - <>>
<>>>>
>>

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts b`va jgra tb`k Vs 01,>>> gc
jgktbey kat t`ma bgja s`e`ry tb`t is 1>.19%.
 4? | ^ ` d a

?) \arvila gc f`km ygu eima jgst7

sarvila ^arlakt`da LGQK_

_r`oigk`e 4.>3% 3

Jgoark <6.9?% 62

fgtb 12.26% 1>

Kgka gc tbaj 0.02% 0

sarvila

0% 4%

_r`oigk`e
<<% Jgoark
fgtb
19% Kgka gc tbaj

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts b`va fgtb eima sarvila gc eima
jgst 19% pagpea is eima gc tr`oitigk`e jgoark fgtb

1) _ypas gc iktarast ygu pracar gk tba eg`k

 41 | ^ ` d a

_ypas gc iktarast ^arlakt`da LGQK_

Cixao r`ta 34.>3% 14

Ceaxifea r`ta <6.9?% 62

_ypas gc iktarast

<6.9?%== <<%
<6.9?% << %
Cixao r`ta
Ceaxifea r`ta
34.>3%
34.>3%== 34%
34 %

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts b`va cixao r`ta gc iktarast ygu
pracar gk tba eg`k 34.>3%
34.>3 %

3) _ypas gc lustgjar ygu `ra 7

 43 | ^ ` d a

_ypas gc lustgjar ^arlakt`da LGQK_

Ikoustri`eist 0>.19% 9

\`e`riao parsgk 30.02% 16

\bgpmaapar 0?.06% 06

C`rjar 0.02% 0

gtbar 06.9?% 00

_ypas gc lustgjar

06.9?%

0.02%

^arlakt`da 0?.06%

30.02%

0>.19%

>.>>% 0>.>>% 6>.>>% <>.>>% ?>.>>% 1>.>>% 3>.>>% 4>.>>%

Ikous tr
tri `e
`e is
is t \`e` ri
\`e ri ao
ao p ar
ars gk
gk \bg
\bgpmaapar
C `rj ar gtbar

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts \`e`riao parsgk gc lustgjar
30.02%

4) V`ta tba sarvilas gc BOCL f`km gk sl`ea gc 17

 44 | ^ ` d a

V`ta gc sarvila ^arlakt`da LGQK_

Gutst`koikd 03.?4% 0?

Sary dggo ??.40% <2

Dggo 04.31% 01

@var`da 04.31% 01

pggr 6.<1% 6

gtbar 0.02% 0

V`ta gc sarvila
6% 0%
03%
02%
Gutst`koikd
Sary dggo
Dggo
@var`da
pggr
gtbar
02%

?1%

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts Sary dggo V`ta gc tba sarvilas
gc BOCL f`km gk sl`ea gc ??.40%

2) ijpgrt`kt `ra tba fakacits & c`lieitias prgvioao fy BOCL f`km cgr
parsgk`e eg`k7
 42 | ^ ` d a

Gptigk ^arlakt`da LGQK_

Sary ijpgrt`kt 1>.19% ?<

\gjawb`t ijpgrt`kt ?1.22% <9

Kgt sg ijpgrt`kt 6.<1% 6

Kgt `t `ee ijpgrt`kt 0.02% 0

gtbar >% >

6.<1%= 6% 0.02%
0.02%== 0%
0%

Sary ijpgrt`kt
1>.19%== 10%
1>.19% 1 0% \gjawb`t ijpgrt`kt
?1.22%= ?3%
Kgt sg ijpgrt`kt
Kgt `t `ee ijpgrt`kt
gtbar

IKCAVAKLA -
_ba t`fea lea`rey sbgws tb`t tba j`hgrity gc tba raspgkoakts Sary ijpgrt`kt 1>.19%
ijpgrt`kt `ra tba fakacits & c`lieitias prgvioao fy BOCL f`km cgr parsgk`e eg`k

9) bgw ijpgrt`kt `ra tba f`km iktarast r`tas `llgroikd tg ygu 7

Gptigk ^arlakt`da LGQK_

 49 | ^ ` d a

Sary ijpgrt`kt 31.22% 13

\gjawb`t ijpgrt`kt <>.19% 63

Kgt sg ijpgrt`kt <.1<% <

Kgt `t `ee ijpgrt`kt >.>>% >

^arlakt`da
?%

<0% Sary ijpgrt`kt

\gjawb`t ijpgrt`kt
Kgt sg ijpgrt`kt
Kgt `t `ee ijpgrt`kt

33%

IKCAVAKLA -
_baa t`fea
_b t`fea lea`
lea`rey
rey sbgws
sbgws tb`t
tb`t tba j`hgr
j`hgrit
ity
y gc tb
tbaa raspgk
raspgkoa
oakts
kts Sar
Sary
y ijpgrt`
ijpgrt`kt
kt 31.22%
31.22%
ijpgrt`kt `ra tba f`km iktarast r`tas

0>) bgw ijpgrt`kt is tba a`sy jgktbey ikstieejakt tg ygu 7

Gptigk ^arlakt`da LGQK_

 2> | ^ ` d a

Sary ijpgrt`kt 31.22% 13

\gjawb`t ijpgrt`kt 69.?0% 61

Kgt sg ijpgrt`kt ?.40% ?

Kgt `t `ee ijpgrt`kt >.>>% >

^arlakt`da
1%

69% Sary ijpgrt`kt

\gjawb`t ijpgrt`kt
Kgt sg ijpgrt`kt
Kgt `t `ee ijpgrt`kt

33%

IKCAVAKLA -

_ba t`fea
_ba t`fea lea`r
lea`rey
ey sbgws
sbgws tb`t
tb`t tb
tbaa j`hg
j`hgrit
rity
y gc tb
tbaa raspgk
raspgkoa
oakts
kts Sary
Sary ijpgr
ijpgrt`
t`kt
kt 31.22%
31.22%
ijpgrt`kt is tba a`sy jgktbey ikstieejakt

00) bg
00) bgw
w wi
wiee
ee yg
ygu
u r`
r`ta
ta tba
tba BO
BOCL
CL f`
f`km
km ik j`
j`ik
ikt`
t`ik
ikik
ikd
d dggo
dggo lu
lustg
stgja
jarr
rae`tigksbip7
 20 | ^ ` d a

Gptigk ^arlakt`da LGQK_

Dggo 3?.?% ?<

@var`da 64.0% <9

^ggr 4.0% 6

Kg ioa` 0.6% 0

^arlakt`da
0%
4%

Dggo
64% @var`da
^ggr
Kg ioa`

31%

IKCAVAKLA -

_ba t`
_ba t`fea
fea lea`r
lea`rey
ey sbgws
sbgws tb
tb`t
`t tb
tbaa j`hg
j`hgri
rity
ty gc tba ra
raspg
spgko
koakt
aktss r`
r`ta
ta tba BOCL
BOCL f`km
f`km ik
j`ikt`ikikd dggo lustgjar rae`tigksbip DGGO 3?.?%

LB@^@_AV 0>
 26 | ^ ` d a

LGKLEQ\IGK

Ik tgo`y's lgjpatitiva
lgjpatitiva wgreo, it's ijpgrt`kt
ijpgrt`kt tg
tg lra`ta
lra`ta `ko rat`ik lustgjars.
lustgjars. _baracgra,
_baracgra,
lustgjarr sarvila is `k `ra` tb`t `ee grd`kiz`tigks
lustgja grd`kiz`tigks pe`la `k ajpb
ajpb`sis
`sis gk. _ba qu`eity
qu`eity gc tba
prgoults tgdatbar witb tba qu`eity gc tba sarvilas ikceuakla tba lustgjars ik tba lbgila gc `
p`rtilue`r f`km. BOCL F`km, `s its segd`k
s egd`k dgas, "wa ukoarst`ko
uk oarst`ko ygur wgreo", is tba
tb a e`rdast
priv`ta saltgr f`km ik Ikoi` wbilb b`s sbgwk trajakogus drgwtb ik ralakt ya`rs. Its
lustgjar-laktril `pprg`lb `ko its dg`e gc s`tiscyikd a`lb lustgjar witb ` wioa r`kda gc
prgoults `ko sarvilas jaktigkao ik tba rapgrt b`va baepao tba f`km b`va `k aoda gvar its
lgjpatitgrs.

VALGJJAKO@_IGK\-
 2< | ^ ` d a

0. _ba prglassikd tija, wbilb is kgw 0> o`ys, just fa raoulao tg 9 o`ys, sg tb`t jgra `ko
jgra pagpea l`k `ppey cgr tba urdakt eg`k cgr ukcgrasaak ois`stars.

6. \lbaouea parigoil
parigoil prgjgtigk`e
prgjgtigk`e `ltivitias
`ltivitias sulb
sulb `s sbaos, lgjp`ky visits, atl. tg mkgw
mkgw
jgra `ko jgra pagpea `fgut tba eg`k pgssifieitias f`sao gk tbair s`e`ry, gr "^arsgk`e eg`k".

<. Jgra `jgukt gc slbaja is prgvioao `t tba lurrakt s`e`ry witb BOCL F`km witb oiccarakt
lb`r`ltaristils.

?. @oaqu
@oaqu`t
`taa `ko dakar
dakar`e
`e ikstr
ikstrult
ultig
igks
ks gk tba prgoul
prgoultt witb
witb tba e`tast
e`tast lb`k
lb`kdas
das `ko
`ko
parcgrj`kla lb`r`ltaristils
lb`r`ltaris tils cgr tba axalutiva.

1. _ba
_ba eifar`ei
eifar`eiz`ti
z`tigk
gk gc iktarast
iktarast r`tas
r`tas cgr a`lb
a`lb leiakt
leiakt f`sao
f`sao gk bis s`e`r
s`e`ry
y `ko lgjp`ky
lgjp`ky
prgciea.

3. _ba eg`k cik`klikd

cik`klikd prglass
prglass sbgueo
sbgueo fa sijpear
sijpear sg tb`t
tb`t tba lustgjar
lustgjar l`k ukoarst`ko
ukoarst`ko tba
prgoult `llgroikd tg tbair kaaos.

4. _bara
_bara sbgueo fa jgra axalutiv
axalutivas,
as, aspali`eey
aspali`eey ik tba
tba e`rda `ko lrgwoao
lrgwoao fr`klbas
fr`klbas ik tba
tba
j`ik p`rt gc tba lity.

2. _bara
_bara sbgueo fa spali`e
spali`e pe`ks
pe`ks cgr ajpegyaas
ajpegyaas gc sj`ee
sj`ee fusikassas
fusikassas ik tba saltgr,
saltgr, `s waee
waee `s
` kaw p`lm`da gc gccars `ko oislgukts cgr pagpea witb ` bidb katwgrm.

LB@^@_AV 00
 2? | ^ ` d a

FIFEIGDV@^BY

FGGM\ @KO J@D@XIKA\

J`rmatikd oiraltgr8 ^bieip Mgtear

 Ikoi` tgo`y
 Iktark`e j`d`zikas

KAT\^@^AV\8

 BOCL F`km Qkivarsa

 Iktark`e rae`tigks
 ^rasakt`tigk j`tari`es
 Frglburas

TAF \I_A\8

www.boclf`km.lgj

www.dggdea.lg.ik

www.ililif`km.lgj

www.litif`km.lgj

www.utif`km.lgj

KAT\^@^AV\

 _ba _ijas gc Ikoi`

 Algkgjil tijas
 Lgjjarli`e st`ko`ro

@KKAR_QVA
 21 | ^ ` d a

0 Puasgkk`ira
0. K`ja WWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWW

6 aj`ie io 8 . .

6. @da

g 6>-<>
g <>-?>
g ?> 5@fgva

<. Dakoar

g J`ea
g Caj`ea

?. Kat \`e`ry Eavae

g 5 Vs.01, >>>
g Vs.01, >>>-Vs <>, >>>
g 5 Vs.<>,>>>

1. wbilb sarvila gc f`km ygu eima jgst 7

g _r`oitigk`e
g Jgoark
g Fgtb
g Kgk gc tbaj

3.wb`t typas gc iktarast ygu pracar gk tba eg`k 7

g Cixao r`ta
g Ceaxifea r`ta

4. wb`t typas gc lustgjar ygu `ra 7

g
Ikoustri`eist
 23 | ^ ` d a

g \`e`riao parsgk
g \bgpmaapar
g C`rjar

2.r`ta tba sarvilas gc BOCL f`km gk sl`ea gc 1 7

g Gutst`koikd
g Sary dggo
g Dggo
g @var`da
g ^ggr

9. bgw ijpgrt`kt `ra tba fakat & c`lieias prgvioao fy BOCL f`km cgr parsgk`e eg`k 7

g Sary ijpgrt`kt
g \gjawb`t ijpgrt`kt
g
Kgt sg ijpgrt`kt
g Kgt `t `ee ijpgrt`kt

0>.bgw ijpgrt`kt `ra tba f`km iktarast r`tas `llgroikd tg ygu 7

g Sary ijpgrt`kt
g \gjawb`t ijpgrt`kt
g Kgt sg ijpgrt`kt
g Kgt `t `ee ijpgrt`kt

00. bgw ijpgrt`kt is tba a`sy jgktbey ikseejakt tg ygu 7

g Sary ijpgrt`kt
g \gjawb`t ijpgrt`kt
g Kgt sg ijpgrt`kt
g Kgt `t `ee ijpgrt`kt

06. bgw wiee ygu r`ta tba BOCL f`km ik j`ikt`ikikd dggo lustgjars rae`gksbip 7

g Dggo
g @var`da
g ^ggr