:yfgLo lgsfosf]n}+l us ;dfgtf tyf ;fdflhs ;dfj]zLs/0f /0fgLlt

:yfgLo lgsfosf] n} +lus ;dfgtf tyf
;fdflhs ;dfj]zLs/0f /0fgLlt
afa'/fd uf}td
pk ;lrj, :yfgLo ljsf; dGqfno

ljifoa:t'x?
cWofo ! M kl/ro
cWofo @M n}lËs ;dfgtf, ;fdflhs ;dfj]zLs/0f, :yfgLo zf;g
tyf ;fd'bflos ljsf;sf] ljBdfg l:ylt
cWofo # M n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0f /0fgLlt
cWofo $ M n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0f /0fgLltsf]
sfof{Gjog tyf cg'udg

!= kl/ro
!=! ljifo k|j]z
� :yfgLo zf;g tyf ;fd'bflos ljsf; sfo{qmdsf] d"n nIo ;'zf;g,
;dfj]zL tyf ;xeflutfTds ;fd'bflos ljsf;sf] dfWodaf6 ul/aL
lgjf/0fdf of]ubfg k'¥ofpg' xf] . o;af6 :yfgLo zf;g k|lqmofdf dlxnf,
blnt, cflbjf;L hghflt, d'l:nd, dw]zLnufot k5fl8 k/]sf jf kfl/Psf
ju{x¿sf] ;xeflutf ;'lglZrt x'g] ck]Iff ul/Psf] 5 .
� cGtl/d ;+ljwfg, lqjifL{o cGtl/d of]hgf -@)^$–^&_, g]kfn ;/sf/sf] gLlt,
sfo{qmd tyf ah]6 jStJo;d]tdf n}lËs ;dfgtf tyf ;fdflhs
;dfj]zLs/0fsf d'2fx¿nfO{ ;Daf]wg ug] { /fli6«o k|fyldstf k|ltljlDat ePsf]
5 .

s|dzM
!=@ pb]Zo
� ;+:yfut Pjd\ sfo{qmdut ¿kdf ;dfj]z ug] { u/L n}lËs tyf
;fdflhs ;dfj]zL pQ/bfoL cjwf/0ffnfO{ o; sfo{qmdaf6 ;'lglZrt
¿kdf nfu" ug] {Ù
� dlxnf, ul/a tyf jl~rt ;d"xsf dflg;x¿sf] cfjZostf / rfxgfk|lt
cem a9L ;+j]bgzLn x'g ;/f]sf/jfnfx¿nfO{ d2t k'¥ofpg] /
� ;/f]sf/jfnfx¿nfO{ jflif{s÷cfjlws of]hgf, sfo{qmd tyf ah]6 th'{df
ubf{, sfof{Gjog Joj:yf ubf{ / cg'udg ubf{ n}lËs tyf ;fdflhs
;dfj]zLs/0fsf ljifodf ;+j]bgzLn x'g clek| ]l/t ug] { .

@= n}lËs ;dfgtf, ;fdflhs ;dfj]zLs/0f, :yfgLo zf;g
tyf ;fd'bflos ljsf;sf] ljBdfg l:ylt
@=! gLlt tyf sfg'gL cfwf/
@=!=! /fli6«o dfu{bz{g
� g]kfnsf] cGtl/d ;+ljwfg, @)^# –n}lËs d"nk|jfxLs/0fdf ljz]if hf]8
� ;+ljwfgsf] k|:tfjgfdf– b]zdf ljBdfg juL{o, hftLo, If]qLo tyf n}lËs
;d:ofx?nfO{ ;dfwfg ug{ /fHosf] cu|ufdL k'g+;{/rgf ug] { ;+sNk ul/Psf]
5 .

s|dzM
� ;+ljwfgsf] wf/f !# - ;dfgtfsf] xs_ df–dlxnf ;zlQms/0f jf
ljsf;sf] nflu ljz]if Joj:yf .
� To:t} wf/f @) -dlxnfsf] xs_ cGtu{t– dlxnf ePs} sf/0faf6 s'g}
e]befj gul/g]
� Wff/f @! - ;fdflhs Gofosf] xs_ df– cfly{s, ;fdflhs jf z}lIfs
b[li6n] k5fl8 k/]sf dlxnfnfO{ ;dfg'kflts ;dfj]zL l;4fGtsf]
cfwf/df /fHosf] ;+rfngdf ;xefuL x'g] xs k|bfg ul/Psf] 5 .

s|dzM
@=!=@ :yfgLo :jfoQ zf;g P]g @)%% tyf lgodfjnL @)%^
� :yfgLo lgsfox¿sf] e"ldsf
� ;'zf;g tyf ;dfj]zLs/0f
� ;fd'bflos ;+:yfx¿ tyf ;d'bfo;+usf] cGt/lqmof
� n};;f;sf nflu lgb] {zg
@=!=# yk cg'bfg lgb] {lzsf, @)^^

s|dzM
@=!=$ uflj; cg'bfg ;~rfng sfo{ljlw, @)^^
@=!=% ;fdflhs ;'/Iff sfof{Gjog lgb] {lzsf, @)^%
@=!=^ Go"gtd zt{ tyf sfo{;Dkfbg dfkg, @)^%
@=!=& n}lËs pQ/bfoL ah]6 lgb] {lzsf, @)^$
@=!=* lh=lj=;= cg'bfg ;~rfng lgb] {lzsf, @)^^
@=!=( cGt/f{li6«o k|lta4tf / bft[–;d'bfo;Fusf] ;fe]mbf/L
@=@ n};;f; ;DaGwL ;+:yfut 9fFrf
@=@=! s]Gb|Lo tx
� ;+;bLo ;ldlt
� /fli6«o of]hgf cfof]u

s|dzM
� dlxnf, afnaflnsf tyf ;dfh sNof0f dGqfno
� :yfgLo ljsf; dGqfnoM
@=@=@ lhNnf tx
� dlxnf ljsf; sfof{no
@=@=# uflj; tyf gu/kflnsf tx
@=@=$ ah]6 th'{df
@=@=% cg'udg

s|dzM
@=# ljBdfg oyfy{tf
@=#=! ;fj{hlgs lg0f{o tyf :yfgLo zf;gdf k|efj kfg{ dlxnf tyf
jl~rt ;d"xsf] Ifdtf
� ;d"xdf cfwfl/t ljsf;
� of]hgf th'{df
k|lqmofdf ;xeflutf
� ;dfj]zL x'g g;Sg'sf sf/0fx¿
@=#=@ ;fdflhs kl/rfng
@=#=# cfwf/e"t ;]jfx?df dlxnf, ul/a Pjd\ jl~rt ;d"xsf] kx‘ F'r

s|dzM
@=#=$ ;d'bfo tyf :yfgLo lgsfox?sf] Ifdtf
� cjwf/0ffTds 1fg
� sfo{ ;Dkfbgdf n}lËs d"nk|jfxLs/0f tyf ;fdflhs ;dfj]zLs/0f
;DaGwL ;Lk Pj+ ;dGjo
� ;+:yfut Ifdtf tyf dfgj ;+;fwg
@=#=$=! ;d'bfo tx
@=#=$=@ uflj; Pjd\ gu/kflnsf tx
@=#=$=# lhlj; tx

#=n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0f /0fgLlt
sfo{qmdsf] ljifo If]q !
k|ltkmn txsf] p2]Zo M :yfgLo ;/sf/df ;DalGwt gful/s tyf
;d'bfox¿ ;lqmo ¿kn] ;+nUg ePsf / pQ/bfoL aGg ;s]sf x'g]5g\ .
pknlAw !
;d'bfo tyf ;fd'bflos ;+:yfx¿ :yfgLo zf;g k|lqmofdf ;lqmo ¿kn]
;xefuL ePsf x'g]5g\ .
-s_ uflj; tx -v_ gu/kflnsf tx
� j8f gful/s d~r, ufpF gfu/Ls d~Rf÷gu/ gfu/Ls d~r, PsLs[t
of]hgf th'{df
;ldlt -Pof];_, ;'kl/j]If0f tyf cg'udg ;ldlt
-u_ lhlj; tx
� n};;f; sfof{Gjog ;ldlt

s|dzM
pknlAw @
gful/sx¿, ;d'bfox¿ tyf l;dfGtLs[tx¿sf] clwsf/ ;'b[9 ug{
pgLx¿sf] Ifdtf clej[l4 ePsf] x'g]5 / :yfgLo ;/sf/ hjfkmb]xL ag]sf]
x'g]5 .
-s_ jl~rtLs/0fdf k/]sf JolQmx¿sf ;fy} ;j{;fwf/0f gful/sx¿ tyf
dlxnfx¿sf] 1fg clej[l4 ul/g]5 .
-v_ sfo{qmd tyf ah]6 th'{df
/ cg'udgdf dlxnf tyf jl~rtLs/0fdf
k/]sf ;d'xx¿sf] cfjfhsf] ;'lglZrtfsf nflu ;lqmo gful/ssf ¿kdf
pgLx¿sf] Ifdtf clej[l4 ul/g]5 .

s|dzM
-u_ ;~hfn, dxf;ª\3 tyf k|ltlglwTjd"ns ;ª\u7gx¿sf] Ifdtf clej[l4
ul/g]5 .
sfo{qmdsf] ljifo If]q @
k|ltkmn txsf] p2]Zo M :yfgLo ;/sf/x¿sf] ;|f]tx¿ tyf cfwf/e"t
;]jfx¿sf] k|jfx ;dfj]zL tyf ;dtfd"ns ¿kdf Joj:yf ug] { Ifdtf
clej[l4 ePsf] x'g]5 .
pknlAw #
:yfgLo ;/sf/x¿sf] Gofof]lrt Pjd\ pko'Qm ¿kdf ljQLo ;|f]tx¿df
kx'Fr
j[l4 x'g]5 .

s|dzM
� :yfgLo ;/sf/x¿sf] Gofof]lrt Pjd\ pko'Qm ¿kdf ljQLo ;|f]tx¿df
kx'Fr
j[l4 x'g]5 .
dlxnf Pjd\ jl~rt ;d"xsf nflu clxn]sf] !% k|ltztsf] uflj; ljsf;
cg'bfgsf] /fzL @% k|ltzt;Dd j[l4 ul/g]5 .
� lhlj;sf] Go"gtd zt{sf ;"rsx¿
k'FhLut
ah]6af6 sDtLdf @% k|ltzt dlxnf tyf cGo jl~rt ;d"xsf
of]hgf÷sfo{qmdsf nflu 5'6\ofpg]
� sfo{;Dkfbg dfkg -lhlj;sf] sfo{;Dkfbgsf If]q, ;"rs /
k'i6\ofO{sf cfwf/x¿_
sfo{;Dkfbg dfkgsf ;"rsx¿nfO{ n};;f; ;+j]bgzLn agfOg]5 .

s|dzM
� gu/kflnsfsf] Go"gtd zt{ tyf sfo{;Dkfbg dfkg
Go"gtd zt{ tyf sfo{;Dkfbg dfkgsf ;"rsx¿nfO{ n};;f; ;+j]bgzLn
agfOg]5 .
pknlAw $
;a} txsf :yfgLo ;/sf/sf] ;]jf k|jfx k|0ffnLdf pko'Qm Ifdtf
clej[l4 ul/g]5 .
� n};;f;sf nflu ;+:yfut tyf JolQmut b'a}y/L Ifdtf ljsf;sf If]q
klxrfg ul/g]5 .
-s_ n};;f; pQ/bfoL ;]jfsf nflu Ifdtf ljsf;
� ;a} txx¿
-v_ ;dfj]zL of]hgfsf nflu Ifdtf ljsf; tyf dlxnf Pjd\ jl~rt
;d"xsf] ;]jf ;'ljwfx¿df kx'Fr

s|dzM
pknlAw %
:yfgLo ;/sf/sf] ;]jf k|jfx ;+oGq tyf k|lqmofdf ;'wf/
� of]hgf k|lqmof
� cfwf/e"t ;]jfx¿ ;DaGwL ;+oGq
sfo{qmdsf] ljifo If]q #
� k|ltkmn txsf] p2]Zo M lgIf]k0f tyf :yfgLo :jfoQ zf;gsf nflu
gLlt tyf /fli6«o ;+:yfut 9fFrfsf] ;'b[9Ls/0f ePsf] x'g]5 .
pknlAw ^
� k|efjsf/L, ;dfj]zL, kf/bzL{ tyf pQ/bfoL :yfgLo zf;g k|0ffnLsf
nflu ;an jftfj/0fsf] lgdf{0fåf/f ljs]Gb|Ls/0fsf] gLltut 9fFrfdf
;'wf/ ul/g]5 .

s|dzM
-s_ ljs]Gb|Ls/0f, If]qut lgIf]k0f gLlt tyf :jfk (SWAP) ljlwx¿sf]
n]vfhf]vf ubf{ dlxnf tyf cGo jl~rt ;d"xsf ljz]if
cfjZostfx?nfO{ s'/f Vofn ul/g]5
-v_ ;fdflhs ;'/Iff gLltsf] k'g/fjnf]sg ubf{ k"0f{ jf cf+lzs ckfËtf
ePsf JolQmx¿ ;a}nfO{ ;fdflhs ;'/Iffsf] bfo/fleq kfg] { .;DaGw
ljR5]b jf ljwjf ePsf Psn dlxnfsf] xsdf pd]/sf] xbaGbL g/fvL
cfly{s cj:yf d"NofÍg u/]/ ;f]xL cg';f/ k|fyldstf lbO{ ;xof]u ug] {
Joj:yf ldnfpg] .

s|dzM
pknlAw &
:yfgLo ;/sf/x¿sf nflu pko'Qm ;xof]u k|bfg ug{ s]Gb|Lo ;/sf/
tyf /fli6«o txsf lgsfox¿sf] Ifdtf clej[l4 ePsf] x'g]5 .
� lhNnf ljsf; ;ldlt dxf;ª\3, gu/kflnsf ;ª\3 tyf uflj; dxf;ª\3
h:tf lgsfox¿nfO{ pgLx¿sf] lgoldt sfo{;Dkfbg ug] { qmddf
n};;f; d"nk|jfxLs/0fsf nflu k|fljlws ;xof]u pknAw u/fOg]5 .
;fy} xfn;Dd sfof{Gjogdf cfpg g;s]sf n};;f; ;+j]bgzLn
gLltx¿sf] ;dLIff u/L sfof{Gjogdf NofOg]5 .

$=n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0f /0fgLltsf]
sfof{Gjog tyf cg'udg
n};;f; d"nk|jfxLs/0fsf nflu ;+:yfut ;+oGq
s_ :yfgLo tx
!= ljleGg ;fd'bflos ;d'x÷;+:yf
@=j8f gful/s d~r
#= j8f ;ldlt
$=ufpF gful/s d~r
%= Plss[t of]hgf th'{df
;ldlt
^= ufpF ljsf; ;ldlt
&=n};;f; sfof{Gjog ;ldlt

s|dzM
s]Gb|Lo tx
� s]Gb|df :yfgLo ljsf; dGqfnocGtu{tsf] n}lËs ;dfgtf tyf
;fdflhs ;dfj]zLs/0f zfvfn] ;dGjo–laGb'sf] sfo{ ug] {5 .
� n};;f; /0fgLltsf] k|efjsf/L sfof{Gjogsf nflu ljleGg ;/sf/L Pjd\
u}/;/sf/L lgsfox¿, bft[ ;fe]mbf/x¿, ;fd'bflos ;d"xx¿ tyf
gful/sx¿aLr ;fe]mbf/L

n}lËs ;dfgtf tyf ;fdflhs ;dfj]zLs/0fsf] cg'udg
� n};;f; zfvf, :yfgLo ljsf; dGqfno
� n};;f; sfof{Gjog ;ldlt÷;fdflhs ;ldlt, lhlj;
� ;'kl/j]If0f tyf cg'udg ;ldlt -uflj; ÷gu/kflnsf tx_
� j8f gful/s d~r -j8f tx_