Exclusive: CIT's Thain Met Fed Staff 3 Weeks Before OneWest Merger, FOIA Response Shows, Loan Loss Redactions

Nmtj? ^dursnmy, Mpraf <>, <0=> 2?:9?>4 PC
Ujry agtjrjstagi. ^dmghs.

Lmsjn kg njtmafs erkc tdj ckst rjbjgt BA^ Mpraf LKN cjjtagi, tdjrj as m fahjfadkkn BA^ cmy
mpprkmbd E\L ag tdj gjmr tjrc tk nasbuss mg mbquasatakg ke KgjYjst GM (Pravmtj, ~$<2L ag
mssjts ). Bkupfj pkagts?

•

• KgjYjst wms ekugnjn ag <001 watd tdj purbdmsj ke AgnyCmb erkc tdj ENAB ly 9 agatamf
agvjstkrs mgn cmgmijcjgt (ACL DkfnBk FFB). Earst Ejnjrmf Lmgh, mgn Fm Okffm Lmgh
wjrj mbquarjn ag ENAB-mssastjn njmfs ag <001 mgn <0=0. KgjYjst dms 9: lrmgbdjs ag
Rkutdjrg Bmfaekrgam (pracmrafy FM).
•
.
•

•

Eagmf pkagt, BA^ rjpkrts jmrgagis gjxt ûjs (>/<1), wdabd bkufn fjmn tk eurtdjr agek.
A waff hjjp yku upnmtjn ms nasbussakgs njvjfkp.

(<0<) 1=<->50:
Nmtj? Yjngjsnmy, Ougj <:, <0=> =0?<4?05 MC
Qjs, Ombh sdkufn lj agvatjn.

BA^ as cjjtagi watd E\LGQ (Okdg \abhjtta mgn ktdjrs) gjxt Ckgnmy mt ==mc tk nasbuss m pktjgtamffy
fmrij mbquasatakg. BA^ dms yjt tk sjgn m nasbussakg njbh lut waff dmvj ckrj njtmafs fmtjr tdas wjjh
(KgjYjst bkgtagujs tk lj tdj mssucjn tmrijt? $<<L kut ke BM). Okdg ^dmags sjbrjtmry dms ljjg
iuanjn tk cj tk djfp sjt up m cjjtagi ag NB mgn A mc jxpjbtagi tk djmr erkc djr ly Eranmy. ^dmt
sman, at as mfsk pkssalfj tdmt tdjy cmy rjmbd kut tk kgj ke yku8 BPB Bdjmtdmc as ugnjr tdj

Mgydkw, tacagi ke tdj cjjtagi rjcmags ^LN lut tdj rjqujst bkufn lj ekr ms jmrfy ms tdj jgn ke tdj
gjxt wjjh.

(<0<) 1=<->50:
^k? Pdyffas Dmrwjff

8 Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Rbktt Mfvmrjz8 Mfaskg ^drk
Rulojbt? EY? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst
EQA8 pfjmsj fjt cj hgkw ae ykun fahj tk mttjgn kr ae A sdkufn nk sk. -----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? Yjngjsnmy, Ougj <:, <0=> =<?2: PC ^k? Umfjraj Njfmgjy8 Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Rbktt Mfvmrjz8 Mfaskg drk Rulojbt? EY? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ujsnmy, Oufy 0=, <0=> =<?00 PC-<?00 PC (Z^B-0:?00) Jmstjrg acj (ZR & Bmgmnm). Ydjrj? Djrj
\kniag Bkdjg as bkcagi ag tk nasbuss m prkpksjn cjrijr ljtwjjg BA^ mgn Kgj Yjst. ^das as tdj earst trmgsmbtakg pkst-Nknn Ermgh tdmt waff brjmtj mg agstatutakg tdmt as kvjr $:0 laffakg. Eagmgbamf stmlafaty bkgsanjrmtakgs waff lj mt tdj ekrj.
^dj cjjtagi waff lj ag Rbktts keeabj, sk spmbj waff lj facatjn. Qku kr ykur njsaigjj mrj wjfbkcj tk mttjgn. ^dmghs. --Mfaskg
-----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? ujsnmy, Ougj <>, <0=> =<?=1 PC ^k? Umfjraj Njfmgjy8 Rbktt Mfvmrjz8 Mfaskg drk Rulojbt? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ujsnmy, Oufy 0=, <0=> =<?00 PC-<?00 PC (Z^B-0:?00) Jmstjrg acj (ZR & Bmgmnm). Ydjrj? Djrj
(l)(:)
^k? Umfjraj Njfmgjy

Erkc? Cjfassm Umgkusj
^k? Pdyffas Dmrwjff
Rulojbt? \J? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Nmtj? Yjngjsnmy, Ougj <:, <0=> =?<9?>1 PC
Yaff nk.
Lkmrn ke Ikvjrgkrs ke tdj Ejnjrmf \jsjrvj Rystjc
Jcmaf? [email protected]
Cklafj?
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Erkc? Pdyffas Dmrwjff Rjgt? Yjngjsnmy, Ougj <:, <0=> =?<9 PC ^k? Cjfassm Umgkusj Rulojbt? \J? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Qku waff dmvj tk nk sk sagbj tdas bkgefabts watd skcj can-yjmr P&P cjjtagis kg cy bmfjgnmr.
-----Kraiagmf Mppkagtcjgt-----
Erkc? Cjfassm Umgkusj Kg Ljdmfe Ke Umfjraj Njfmgjy
Rjgt? Yjngjsnmy, Ougj <:, <0=> =<?>: PC ^k? Pdyffas Dmrwjff Rulojbt? EY? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ûjsnmy, Oufy 0=, <0=> =<?00 PC-<?00 PC (Z^B-0:?00) Jmstjrg âcj (ZR & Bmgmnm). Ydjrj? Djrj
EQA8 pfjmsj fjt cj hgkw ae ykun fahj tk mttjgn kr ae A sdkufn nk sk.
-----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? Yjngjsnmy, Ougj <:, <0=> =<?2: PC ^k? Umfjraj Njfmgjy8 Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Rbktt Mfvmrjz8 Mfaskg ^drk Rulojbt? EY? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ûjsnmy, Oufy 0=, <0=> =<?00 PC-<?00 PC (Z^B-0:?00) Jmstjrg âcj (ZR & Bmgmnm). Ydjrj? Djrj

tdj earst trmgsmbtakg pkst-Nknn Ermgh tdmt waff brjmtj mg agstatutakg tdmt as kvjr $:0 laffakg. Eagmgbamf stmlafaty bkgsanjrmtakgs waff lj mt tdj ekrj.
^dj cjjtagi waff lj ag Rbktts keeabj, sk spmbj waff lj facatjn. Qku kr ykur njsaigjj mrj wjfbkcj tk mttjgn. ^dmghs. --Mfaskg
-----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? ûjsnmy, Ougj <>, <0=> =<?=1 PC ^k? Umfjraj Njfmgjy8 Rbktt Mfvmrjz8 Mfaskg ^drk Rulojbt? Dkfn ekr \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ûjsnmy, Oufy 0=, <0=> =<?00 PC-<?00 PC (Z^B-0:?00) Jmstjrg âcj (ZR & Bmgmnm). Ydjrj? Djrj
(l)(:)
^k? Umfjraj Njfmgjy

^k? Bkurtgjy Bmrtjr8 Ojssabm Rtmdf
Bb? Njmg Mcjf
Rulojbt? BA^ - KgjYjst
Ojssabm?
Bkurtgjy?
^dmghs,
Omhj
(l)(:)
(l)(:)

=
Rulojbt? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst
Fkbmtakg? L->00=
Rdkw âcj Ms? ^jgtmtavj
Krimgazjr? Umfjraj Njfmgjy
Kptakgmf Mttjgnjjs? Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Pdyffas Dmrwjff8
Hmtdfjjg K'Nmy
^k? Umfjraj Njfmgjy

^k? Ombkl Irmcfabd8 Ojssabm Rtmdf
Rulojbt? \kniag Bkdjg cti
Da Omhj mgn Ojssabm,
Nk yku hgkw mgytdagi mlkut tdas; At's tdj earst A'vj djmrn ke at.
^dmghs!
Ljtd
^k? Umfjraj Njfmgjy

^k? Ombkl Irmcfabd

Ykufn yku prjejr >?=:pc tknmy kr 1mc tkckrrkw; A gjjn tk fjmvj tdj keeabj ly >?>:pc tknmy…
Erkc? Jfazmljtd Hasjr
Rjgt? Ckgnmy, Ougj 20, <0=> ==?>< MC ^k? Ombkl Irmcfabd8 Ojssabm Rtmdf Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
Aff fjt tdj twk ke yku njbanj tdjtacj.
^dmghs!
Ljtd
Erkc? Ombkl Irmcfabd
Rjgt? Ckgnmy, Ougj 20, <0=> ==?>= MC ^k? Jfazmljtd Hasjr8 Ojssabm Rtmdf Rulojbt? \j? BA^ - KgjYjst -E\RKGFQ-
A bmg cjjt tdas metjrgkkg lut kgfy ly pdkgj ). Lut eagj tk dmvj m bmff.
Rjgt erkc LfmbhLjrry
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> ==?29 MC ^k? Ombkl Irmcfabd8 Ojssabm Rtmdf Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
^dmghs tk yku lktd!
Dkw mlkut ae jmbd ke yku imtdjrs tdj rjfjvmgt agekrcmtakg kg tdjsj earcs ag ykur rjspjbtavj mrjms, mgn wj sat nkwg
tkijtdjr ekr m ejw cagutjs (dmfe dkur, tkps) tdas metjrgkkg. Qkur sbdjnufjs fkkh lusy A bkufn stmrt mgytacj ljtwjjg
=?20 mgn 2?20. Caidt yku lj mvmafmlfj ekr skcj wagnkw nuragi tdmt tacj;
^dmghs cubd!
Rjgt? Ckgnmy, Ougj 20, <0=> ==?2< MC ^k? Ojssabm Rtmdf8 Jfazmljtd Hasjr Rulojbt? \j? BA^ - KgjYjst
(l)(:)
(l)(5)
(l)(5)
(l)(5)
Erkc? Ojssabm Rtmdf Rjgt? Ckgnmy, Ougj 20, <0=> ==?=< MC ^k? Jfazmljtd Hasjr Bb? Ombkl Irmcfabd Rulojbt? EY? BA^ - KgjYjst
Ljtd,
Rjj ljfkw. Yj sdkufn dmvj ekrwmrnjn tdas tk yku wdjg wj ikt at. ^k lj dkgjst, A mssucjn yku hgjw mlkut at, lut A
sdkufn gkt dmvj mssucjn.
Ojssabm
(l)(:)
(l)(:)

^k? Ombkl Irmcfabd

^k? Ombkl Irmcfabd8 Jfazmljtd Hasjr
Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-

Rjgt? Ckgnmy, Ougj 20, <0=> =<?:9 PC ^k? Jfazmljtd Hasjr8 Ojssabm Rtmdf Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
Kg #>? A mc fkiijn lmbh agtk tdj gjtwkrh mgn A sjj gk mppfabmtakg kg Jmpps. (A sjmrbdjn BA^, KgjYjst, mgn Kgj Yjst).
Rjgt? Ckgnmy, Ougj 20, <0=> =<?2< PC ^k? Jfazmljtd Hasjr8 Ojssabm Rtmdf
Rulojbt? \j? BA^ - KgjYjst -E\RKGFQ-
Ljtd mgn Ojssabm,

<. =0>: tkckrrkw as eagj mgn A'ff pfmg kg at.
>.
:.
9. A dmn pfmggjn tk mttjgn tdj cjjtagi ms wjff.
Omhj
Rjgt? Ckgnmy, Ougj 20, <0=> ==?>1 MC ^k? Ojssabm Rtmdf8 Ombkl Irmcfabd
(l)(:)
(l)(:)
(l)(:)
(l)(:)
(l)(5)
Rupjr8 tdmgh yku.
Ljtd
Erkc? Ojssabm Rtmdf Rjgt? Ckgnmy, Ougj 20, <0=> ==?>4 MC ^k? Jfazmljtd Hasjr8 Ombkl Irmcfabd Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
=0?>:mc wkrhs ekr cj.
Qjs, A mfrjmny tkfn Rbktts mssastmgt tdmt A waff lj mt tdj Bkdjg cjjtagi.
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> ==?>5 MC ^k? Ojssabm Rtmdf8 Ombkl Irmcfabd Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
Kh, tdmghs. A dmvj m cjjtagi tkckrrkw watd \klag tdmt sdkufn wrmp up mrkugn =0?>:. Bkufn A stkp ly ykur keeabj
mrkugn tdjg;
Mfsk, A rjmfazjn Ac dkstagi kur E\LGQ spjmhjrs ekr fugbd tkckrrkw, sk A bmgt okag ekr tdj cjjtagi watd Rbktt mgn
\kniag. Ojssabm, waff yku lj mlfj tk mttjgn kg kur ljdmfe; Aff try tk iavj Mfaskg m bmff skcjtacj tknmy tk tkubd lmsj watd
djr.
Ljtd
Erkc? Ojssabm Rtmdf Rjgt? Ckgnmy, Ougj 20, <0=> ==?>< MC ^k? Ombkl Irmcfabd8 Jfazmljtd Hasjr Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
A mc lkkhjn erkc =?>: tk >pc tknmy, ugekrtugmtjfy. Ac erjj mff ckrgagi tkckrrkw.
Erkc? Ombkl Irmcfabd Rjgt? Ckgnmy, Ougj 20, <0=> ==?>= MC ^k? Jfazmljtd Hasjr8 Ojssabm Rtmdf Rulojbt? \j? BA^ - KgjYjst -E\RKGFQ-
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> ==?29 MC
^k? Ombkl Irmcfabd8 Ojssabm Rtmdf Rulojbt? \J? BA^ - KgjYjst -E\RKGFQ-
(l)(:)

Erkc? Ombkl Irmcfabd Rjgt? Ckgnmy, Ougj 20, <0=> ==?2< MC ^k? Ojssabm Rtmdf8 Jfazmljtd Hasjr Rulojbt? \j? BA^ - KgjYjst
Erkc? Ojssabm Rtmdf Rjgt? Ckgnmy, Ougj 20, <0=> ==?=< MC
^k? Jfazmljtd Hasjr Bb? Ombkl Irmcfabd Rulojbt? EY? BA^ - KgjYjst
Nupfabmtj ke tdj Jcmaf Bmpturjn ag tdj Jcmaf Bdmag kg Ougj 20, <0=> mt ==?>:mc (mlkvj)

Njmg,
Yj dmvj m cjjtagi watd \kniag Bkdjg mgn Rbktt Mfvmrjz tkckrrkw (ûj =<p JR^) kg m prkpksjn cjrijr ljtwjjg BA^ mgn KgjYjst.
Dkw's tdj dahagi;!
Ojssabm Rtmdf8 Ombkl Irmcfabd
**\jstrabtjn E\**
Rjgt? Ckgnmy, Ougj 20, <0=> =?24 PC ^k? Ojssabm Rtmdf8 Ombkl Irmcfabd ([email protected]) Bb? Njmg Mcjf Rulojbt? BA^ mrbdavjs - \jstrabtjn E\ -E\RKGFQ-
**\jstrabtjn E\**
Ojssabm mgn Omhj,
A nui m lat mgn ekugn skcj cmtjramfs kg BA^s
A waff sjgn tdj cmtjramfs sjpmrmtjfy ag sulsjqujgt jcmafs.
Dkpj tdas djfps
Ljtd

Ojssabm Rtmdf8 Ombkl Irmcfabd
**\jstrabtjn E\**
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> =?24 PC
^k? Ojssabm Rtmdf8 Ombkl Irmcfabd ([email protected]) Bb? Njmg Mcjf Rulojbt? BA^ mrbdavjs - \jstrabtjn E\ -E\RKGFQ-
Nupfabmtj ke tdj Jcmaf Bmpturjn ag tdj Jcmaf Bdmag kg Ougj 20, <0=> mt =?>0pc (mlkvj)
(l)(:)
Pmij = ke 2
LKM\N KE IKUJ\GK\R KE ^DJ EJNJ\MF \ JRJ\UJ RQR^JC
NAUARAKG KE LMGHAGI RZPJ\UARAKG MGN \ JIZFMÂKG
(l)(>), (:) & (4)
8 \ymg Fkrnks
Bb? Cabdmjf Fapcmg
Rulojbt? \J? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Nmtj? Ckgnmy, Ougj 20, <0=> <?2>?>9 PC
Kh irjmt. A wkufngt wkrry mlkut mgy lrajeagi cmtjramf ekr Rbktt. Ckst fahjfy \kniag waff nk mff
tdj tmfhagi mgn tdas as mg agek imtdjragi sjssakg kgfy. ^dmghs.
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Erkc? Bjfjstj Ckffjur Rjgt? Ckgnmy, Ougj 20, <0=> <?2> PC ^k? \abdmrn Gmyfkr8 \ymg Fkrnks Bb? Cabdmjf Fapcmg Rulojbt? \J? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Rjxtkg mgn Ojvkg mrj kg tdj agvatj. A waff mttjgn mgn A ljfajvj Cahj wms pfmggagi kg
mttjgnagi. Oust wmgtjn yku tk lj mwmrj…tdj prkbjss as djmtagi up. Yaff fjt yku hgkw wdmt
trmgsparjs.
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Erkc? \abdmrn Gmyfkr Rjgt? Ckgnmy, Ougj 20, <0=> <?22 PC ^k? Bjfjstj Ckffjur8 \ymg Fkrnks Bb? Cabdmjf Fapcmg Rulojbt? \J? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Ydk as Umfjraj Njfmgjy; Qku kr Cabdmjf sdkufn pfmg kg mttjgnagi…fjt Rjxtkg hgkw.
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Erkc? Bjfjstj Ckffjur Rjgt? Ckgnmy, Ougj 20, <0=> <?<4 PC ^k? \abdmrn Gmyfkr8 \ymg Fkrnks Bb? Cabdmjf Fapcmg Rulojbt? \J? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Cahj ekrwmrnjn tdas agvatj tk cj mgn A rjmfazjn yku mrjgt mgywdjrj kg tdj bkccugabmtakg
stragi.
Yj dmvjgt, tk cy hgkwfjnij, djmrn mgytdagi erkc Rbktts sanj ktdjr tdmg
Cahj ljagi kg tdj jcmaf nastralutakg.

Ydjrj? L->00=
-----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? Ckgnmy, Ougj 20, <0=> ==?0> MC ^k? Umfjraj Njfmgjy8 Ojvkg Ikrnkg8 Cabdmjf Fapcmg8 Hmtaj Bkx8 Rbktt Mfvmrjz8 Mfaskg ^drk Bb? Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Pdyffas Dmrwjff8 Hmtdfjjg K'Nmy Rulojbt? EY? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ûjsnmy, Oufy 0=, <0=> =<?00 PC-=?00 PC (Z^B-0:?00) Jmstjrg âcj (ZR & Bmgmnm). Ydjrj? L->00=
Dkpj yku mff bmg cmhj tdas cjjtagi. A pfmg tk ik.
-----Kraiagmf Mppkagtcjgt----- Erkc? Umfjraj Njfmgjy Rjgt? Ckgnmy, Ougj 20, <0=> =0?:4 MC ^k? Umfjraj Njfmgjy8 Hmtaj Bkx8 Rbktt Mfvmrjz8 Mfaskg ^drk Bb? Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Pdyffas Dmrwjff8 Hmtdfjjg K'Nmy Rulojbt? EY? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst Ydjg? ûjsnmy, Oufy 0=, <0=> =<?00 PC-=?00 PC (Z^B-0:?00) Jmstjrg âcj (ZR & Bmgmnm). Ydjrj? L->00=

Rulojbt? EY? Lraje Kvjrvajw ke BA^ -E\RKGFQ-
Nmtj? Ckgnmy, Ougj 20, <0=> 2?>5?>4 PC
Mttmbdcjgts? BA^ Irkup Lmbhirkugn Agek ekr Ougj 20td cjjtagi.nkbx

.

Djy Cahj tdas as tdj twk pmijr Oac dmn put tkijtdjr ekr tdksj mttjgnagi tdj cjjtagi tknmy ms Okdg
dmn prkcasjn.
Mgnrj ]ujzmnm
Brjnat \ash Bkkrnagmtkr
Lfmbhljrry
\jstrabtjn E\
Okdg ^dmag, Bdmarcmg mgn BJK ke BA^ Irkup (BA^) mgn das sjgakr cmgmijcjgt tjmc waff lj cjjtagi watd
us kg Ckgnmy, Ougj 20td mt ==mc, mt tdjar rjqujst, tk nasbuss upbkcagi mbquasatakg pfmgs pracmrafy mgn
cmttjrs pjrtmagagi tk navanjgns mgn rjpurbdmsj pfmgs. At as cy ugnjrstmgnagi tdmt tdjy waff sjgn kut m
prjsjgtmtakg prakr tk tdj cjjtagi. Ag tdj cjmgtacj tdj ekffkwagi waff prkvanj skcj lraje lmbhirkugn
agekrcmtakg kg tdj mbquasatakg bmgnanmtj mgn BA^.
(l)(>), (:) & (4)
^k? Jfazmljtd Hasjr8 Ombkl Irmcfabd
Rulojbt? \J? BA^ mrbdavjs - \jstrabtjn E\ -E\RKGFQ-
^dmghs vjry cubd ekr naiiagi up mff ke tdjsj nkbucjgts. ^djy wjrj vjry djfpeuf.
^mfh tk yku tkckrrkw ckrgagi.
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> =?>2 PC
^k? Ojssabm Rtmdf8 Ombkl Irmcfabd Bb? Njmg Mcjf Rulojbt? \J? BA^ mrbdavjs - \jstrabtjn E\ -E\RKGFQ-
**\jstrabtjn E\**

^k? Jfazmljtd Hasjr
Bb? Ojssabm Rtmdf
Rulojbt? \J? \kniag Bkdjg cjjtagi -E\RKGFQ-
^dmghs, Ljtd. A oust tdkuidt yku sdkufn rjbjavj tdj agvatj ag bmsj yku wmgtjn tk mttjgn. Yj wkgt lj mshjn tk kpagj. \kniag as bkcagi ag tk prjvajw tdj prkpksjn mbquasatakg ljbmusj at waff lj tdj earst trmgsmbtakg tk brjmtj m ckrj tdmg $:0 laffakg agstatutakg sagbj Nknn-Ermgh wms jgmbtjn. --Mfaskg
Erkc? Jfazmljtd Hasjr Rjgt? Ckgnmy, Ougj 20, <0=> 2?21 PC ^k? Mfaskg ^drk Bb? Ojssabm Rtmdf Rulojbt? \kniag Bkdjg cjjtagi -E\RKGFQ-
Da Mfaskg,
^dmghs ekr fkkpagi us ag kg tdj bkgvjrsmtakg watd \kniag tkckrrkw. Ydmt nk yku tdagh tdj gmturj ke tdj cjjtagi waff
lj;
Ojssabm waff mttjgn ekr \&R (Ac dkstagi vasatkrs erkc E\LGQ mt gkkg tkckrrkw).
^dmghs vjry cubd!
Ljtd

β β M
Ø
M β

M β β β β ′
β β M ββ β

M ′
(l)(5)

Ø
M β
Ø

β M M M ′ β
M
′ M
Ø
β β β β β
β β β β β
β β β

M M
Ø
M
β β β
β β
β

M

Ø
M β Ø
Ø β β β
β β Ø β

β

M

β Ø β
M ′
= mttmbdcjgt (tktmfagi :9 pmijs) watddjfn pursumgt tk jxjcptakgs > mgn 4
(l)(5)

Ø

β β β β

M
M
Ø

M
′ M
Ø

M M
Ø

M

Ø

^k? Ojssabm Rtmdf
Rulojbt? \J? BA^ KgjYjst prjimcj
Rurj, A nkgt cagn nkagi tdmt. A oust put at djrj ljbmusj sdj dmn wrattjg tdas ag djr jcmaf?
Kh, tdmghs. A dmvj m cjjtagi tkckrrkw watd \klag tdmt sdkufn wrmp up mrkugn =0?>:. Bkufn A stkp ly ykur keeabj mrkugn tdjg;–
Erkc? Ojssabm Rtmdf Rjgt? ûjsnmy, Oufy 0=, <0=> 1?<> MC ^k? Ombkl Irmcfabd
Rulojbt? \J? BA^ KgjYjst prjimcj
Dkw mlkut wj ik tk Ljtds keeabj;

Erkc? Bjfjstj Ckffjur
^k? Cabdmjf Fapcmg
Rulojbt? \J? Oust wmgtjn tk bkgearc wdk erkc BA^ sanj waff lj mttjgnagi tknmy"s gkkg cjjtagi; -E\RKGFQ-
Nmtj? ûjsnmy, Oufy 0=, <0=> ==?0>?01 MC
Khmy, tdjg A waff mttjgn ms wjff.

^dj Bdmarcmg mgn BJK ke BA^ mgn 5 ktdjr iujsts8 2 erkc Kgj Yjst8 = erkc
Ymbdtjff, Faptkg, \ksjg & Hmtz mgn < erkc Ruffavmg mgn Brkcwjff. ^ktmf ke =2
kutsanjrs
Rbktt I. Mfvmrjz
(<0<) 925-::50 (keeabj)

Oust \knij Bkdjg (rjprjsjgtagi BA^) kr mrj tdjrj cjcljrs ke tdj jxjbutavj tjmc (Okdg ^dmag kr
Rbktt Pmrhjr);

Rulojbt? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst
Fkbmtakg? L->00=
\jburrjgbj? (gkgj)
Kptakgmf Mttjgnjjs? Cabdmjf Rjxtkg8 Ombkl Irmcfabd8 Ojssabm Rtmdf8 Cjfassm Umgkusj8 Pdyffas Dmrwjff8
Hmtdfjjg K'Nmy

(l)(5)

Ljtd,

^dj cjjtagi watd \kniag Bkdjg mgn BA^/KgjYjst jxjbutavjs wms quatj agtjrjstagi, ms wjff. A nangt
bmtbd yku ag tdj lrjmh mt tdj wkrhsdkp mgn mc djmnagi kut gkw, lut A bkufn iavj yku m ckrj

dttp?//www.ejnjrmfrjsjrvj.ikv/jbkgrjsnmtm/ombkl-p-irmcfabd.dtc

β
Ø
β
β β β β β β β
β

β Ø

M β β β
Ø β β β β β Ø
β β Ø β
Ø β

(l)(:) & (l)(4)
(l)(:) & (l)(4)
Erkc? Pdyffas Dmrwjff
^k? Cjfassm Umgkusj
Rulojbt? \J? \kniag Bkdjg tk nasbuss cjrijr BA^ watd Kgj Yjst -E\RKGFQ-
Nmtj? Yjngjsnmy, Oufy <, <0=> =<?:2?00 PC

EQA8 tdjy pfmg tk eafj ekr tdas trmgsmbtakg,
.

[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Cjfassm Umgkusj Cmgmijr, Navasakg ke Bkgsucjr mgn Bkccugaty Meemars Lkmrn ke Ikvjrgkrs ke tdj Ejnjrmf \jsjrvj Rystjc
Jcmaf? [email protected] ^jf? <0<.>:<.2>44 Cklafj?

A sjj tdmt yku mrj kg tdj agvatjj fast ekr tkckrrkws cjjtagi rjimrnagi tdj cjrijr ke BA^ watd Kgj
Yjst. Mrj yku pfmggagi tk mttjgn;
A wms pfmggagi tk mttjgn, ms wjff.

[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[ Cjfassm Umgkusj Cmgmijr, Navasakg ke Bkgsucjr mgn Bkccugaty Meemars Lkmrn ke Ikvjrgkrs ke tdj Ejnjrmf \jsjrvj Rystjc
Jcmaf? [email protected] ^jf? <0<.>:<.2>44 Cklafj?

^k? Ombkl Irmcfabd
Rulojbt? \J? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst
^dmghs Omhj. A wms cjmgagi tk nk tdas lut ikt lkiijn nkwg watd ktdjr stuee, sk tdmghs ekr tmhagi tdj agatamtavj. A waff sjj
ae A dmvj mgytdagi tk mnn erkc cy kwg gktjs. A hagn ke nkult mgykgj waff mbt kg tdmt fmst fagj, lut ekr wdmt ats wkrtd, cy
dmgnwrattjg gktjs mrj gk ckrj tdkrkuid tdmg tdas. (Mrj ykurs;;; Ae sk, yku sdkufn lj m stjgkirmpdjr ag ykur erjj
tacj… Mbtumffy A iujss tdmts gkt rjmffy m prkejssakg mgyckrj, as at;)
Erkc? Ombkl Irmcfabd Rjgt? Yjngjsnmy, Oufy 0<, <0=> =<?:< PC ^k? Ojssabm Rtmdf Rulojbt? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst
Ojssabm,
Bmg yku jnat/mnn tk tdj ljfkw; Ac ikagi tk sjgn at tk Ljtd (mgn cmylj bb Njmg mgn Mgnrjw) sagbj sdj sjjcjn tk wmgt
tk lj tdjrj mgn mfsk wmgtjn tk ckvj tkwmrns ljttjr rjbkrn hjjpagi.
Ae yku wmgt tk trmbh bdmgijs yku bmg nucp at agtk Ykrn, lut yku bmg mfsk oust bdmgij at ugtrmbhjn ag jcmaf.
Gktj tdmt tdj fmst fagj bkccats yku tk skcjtdagi yku cmy gkt wmgt cj tk bkccat yku tk 8)
^dmghs,
Omhj
\jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst
ûj 9/=/<0=> =<p=p, L>00=
Kutsanj Mttjgnjrs? ~=2
Jxjbutavjs erkc BA^ (~94) agbfunjn BJK Okdg ^dmag, ekrcjrfy BJK ke Cjrraff Fygbd
Jxjbutavjs erkc KgjYjst (~2) agbfunjn BJK
Fmwyjrs (~<2) agbfunjn \kniag Bkdjg (Ruffavmg Brkcwjff) mgn m Ymbdtjff Faptkg fmwyjr
Lkmrn Mttjgnjrs? ~=0=<
Erkc ER\? Omhj Irmcfabd Ojssabm Rtmdf
(l)(:) & (4)

[[[[[[[[[[[[[[
dttp?//www.ejnjrmfrjsjrvj.ikv/jbkgrjsnmtm/ombklpirmcfabd.dtc
Ombkl Irmcfabd
\J? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst
BA^[KgjYjst[Cjjtagi.nkbx
Cy mnnatakgs mrj mttmbdjn. ^dmghs mimag.

ûj 9/=/<0=> =<p=p, L>00=
Erkc ER\? Omhj Irmcfabd, Ojssabm Rtmdf
(l)(>), (:) & (4)
Nmtj? Yjngjsnmy, Oufy 0<, <0=> <?21?01 PC
Cahj

Keeabj? <0<.:20.5<1=
Lfmbhljrry?

Eagmgbamf Mgmfyst | \jiakgmf Lmghagi Krimgazmtakgs | Lmghagi Rupjrvasakg & \jiufmtakg
Lkmrn ke Ikvjrgkrs ke tdj Ejnjrmf \jsjrvj Rystjc, Ymsdagitkg, N.B. <0::=
keeabj? <0<.>:<.2=50 | bjff? 5 | j-cmaf? \[email protected]

\JR^\AB^JN E\
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
Ifkram O. Dkshags, Bjgtrmf Pkagt ke Bkgtmbt \jiakgmf mgn Ekrjaig Agstatutakgs Irkup
Ejnjrmf \jsjrvj Lmgh ke Rmg Ermgbasbk | Lmghagi Rupjrvasakg & \jiufmtakg
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

keeabj? <0<.>:<.2=50 | bjff? | j-cmaf? \[email protected]

\JR^\AB^JN E\
Gkt yjt. A waff ekrwmrn agek ms skkg ms at ljbkcjs mvmafmlfj. Mppmrjgtfy, BA^ cmgmijcjgt cjt watd
E\LGQ kg Ckgnmy.
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

keeabj? <0<.>:<.2=50 | bjff? | j-cmaf? \[email protected]

\JR^\AB^JN E\
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

\JR^\AB^JN E\
A oust ikt kee tdj pdkgj watd Prjsanjgt Kttagi. Dj wms mt Nuffjs Marpkrt mgn wmgtjn tk mnvasj cj
tdmt tdjrj wms m cjjtagi watd lkmrn stmee tknmy, ms wjff ms tdj KBB Laff Dmms. Mppmrjgtfy,
Bdmarcmg Rtjvjg Cgubdag, Prjsanjgt Oksjpd Kttagi, mgn BEK Mfjsam Dmms cjt watd Rbktt Mfvmrjz mgn
ktdjrs ag YNB tk nasbuss tdj trmgsmbtakg

[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[
[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[[

Fjt cj hgkw ae yku dmvj mgy tdkuidts kr agek yku tdagh wj sdkufn sdmrj watd GQ.
Ijrry
Erkc? ^sma, Ijrmfn Rjgt? ûjsnmy, Oufy 0=, <0=> 0=?:4 PC ^k? Durwatz, Avmg Bb? Rtjeejy, Lramg8 Lmj, Pdafap Rulojbt? \j? KgjYjst -E\RKGFQ-
^dmghs, Avmg.
(l)(:)

Ijrry
Erkc? Durwatz, Avmg Rjgt? ûjsnmy, Oufy 0=, <0=> 0=?:: PC ^k? ^sma, Ijrmfn Bb? Rtjeejy, Lramg8 Lmj, Pdafap Rulojbt? KgjYjst -E\RKGFQ-

^k? Ombkl Irmcfabd
Bb? Njmg Mcjf8 Ojssabm Rtmdf
Rulojbt? \J? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst -E\RKGFQ-
Irjmt, tdmghs vjry cubd! Ats vjry djfpeuf tk dmvj tdj rjbkrn.
Ljtd
Erkc? Ombkl Irmcfabd Rjgt? Yjngjsnmy, Oufy 0<, <0=> <?2< PC ^k? Jfazmljtd Hasjr Bb? Njmg Mcjf8 Ojssabm Rtmdf Rulojbt? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst
Ljtd mgn Njmg,
Ojssabm mgn A put tkijtdjr gktjs erkc yjstjrnmys cjjtagi (ljfkw). ^djrj mrj gk mbtakg atjcs ekr ER\ tdmt wj hgkw ke
ekr gkw, wj oust wmgtjn yku tk dmvj tdas rjbkrn.
Yj fjet Mgnrjw kee tdj bb tk hjjp das jcmaf trmeeab nkwg wdafj djs mwmy.
Omhj (& Ojssabm)
ûj 9/=/<0=> =<p=p, L>00=
Rbktt Mfvmrjz wdk
(l)(:) & (4)

[[[[[[[[[[[[[[
dttp?//www.ejnjrmfrjsjrvj.ikv/jbkgrjsnmtm/ombklpirmcfabd.dtc
^k? Ombkl Irmcfabd
Bb? Njmg Mcjf8 Ojssabm Rtmdf
Rulojbt? **\jstrabtjn E\** \J? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn
KgjYjst -E\RKGFQ-
Ltw, A iujss wj sdkufn njsaigmtj tdas cmtjramf ms rjstrabtjn.
^dmghs mimag,
Ljtd
Erkc? Ombkl Irmcfabd Rjgt? Yjngjsnmy, Oufy 0<, <0=> <?2< PC ^k? Jfazmljtd Hasjr Bb? Njmg Mcjf8 Ojssabm Rtmdf Rulojbt? \jmnkut ke Cjjtagi kg Prkpksjn Cjrijr ljtwjjg BA^ mgn KgjYjst

=0m. Earst Ejnjrmf Lmgh P&M mgn Fkss Rdmrj.pne =0l. Fm Okffm P&M mgn Fkss Rdmrj.pne =0b. 5: - AgnyCmb Irkup : Rdmrjn Fkss Mirjjcjgt.pne =0n. >: - ^jrc Rdjjt ekr Rdmrjn-Fkss mgn Pmrtabapmtakg Agtjrjst ag Zgeugnjn Bkccatcjgts ke \jvjrsj Ckrtimij Fkmgs.pne \ji Zpnmtjs ekr RAEAs kvjr :0lg[0904=>[v2.pptx
Cabdmjf Fapcmg

Bjfjstj, fjt cj hgkw ae yku prjejr gkt tk rjbjavj tdas fjvjf ke njtmaf.
Erkc? ^kpmz O Gklfjs (E\R) Rjgt? Yjngjsnmy, Oufy 01, <0=> 2?<> PC ^k? Avmg Durwatz (E\R)8 Cabdmjf Fapcmg Rulojbt? EY? Bmrlkg / Kxyijg Ekffkw-Zp \jqujsts
Mttmbdjn pfjmsj eagn mnnatakgmf njtmaf pjrtmagagi tk BA^s Bmrlkg/Kxyijg prjsjgtmtakg tk tdj Ejnjrmf
\jsjrvj. Yj waff jgsurj yku mrj bbn kg eurtdjr bkrrjspkgnjgbj.
Erkc? ]ujzmnm, Mgnrj Rjgt? Yjngjsnmy, Oufy 01, <0=> <?:= PC ^k? \abhjtta, Okdg8 Bdjmtdmc, Omcjs8 Gklfjs, ^kpmz O Rulojbt? EY? Bmrlkg / Kxyijg Ekffkw-Zp \jqujsts
Mttmbdjn mrj tdj ENAB fkss sdmrj mirjjcjgts ekr Earst Ejnjrmf, Fm Okffm mgn AgnyCmb (lktd Irkup :
mgn \jvjrsj ckrtimij pkrtekfaks).
YDKFJ LMGH
MCKGI
EJNJ\MF NJPKRA^ AGRZ\MGBJ BK\PK\MÂKG, \JBJAUJ\ KE EA\R^ EJNJ\MF LMGH KE BMFAEK\GAM, M EJNJ\MF RMUAGIR
LMGH, RMG^M CKGABM, BMFAEK\GAM
EJNJ\MF NJPKRA AGRZ\MGBJ BK\PK\MÂKG
mgn
NJBJCLJ\ =4, <001

M\ÂBFJ A
M\ÂBFJ AA
Mssjts Purbdmsjn ly Mssucagi Lmgh..........................................................2 Mssjt Purbdmsj Prabj ....................................................................................2 Cmggjr ke Bkgvjymgbj8 Facatjn Ymrrmgty8
MRRZCPÂKG KE BJ\^MAG NZÂJR MGN KLFAIMÂKGR..........2
Bkgtagumtakg ke Lmghagi Lusagjss...............................................................2 Mirjjcjgt watd \jspjbt tk Brjnat Bmrn Lusagjss.......................................2 Mirjjcjgt watd \jspjbt tk Rmej Njpksat Lusagjss .....................................2 Mirjjcjgt watd \jspjbt tk Rmejhjjpagi Lusagjss......................................2 Mirjjcjgt watd \jspjbt tk ^rust Lusagjss .................................................2 Mirjjcjgt watd \jspjbt tk Lmgh Prjcasjs.................................................2 Mirjjcjgt watd \jspjbt tk Fjmsjn Nmtm
Prkbjssagi Jquapcjgt......................................................................2 Mirjjcjgt watd \jspjbt tk Bjrtmag
Jxastagi Mirjjcjgts........................................................................2 Agekrcmtakgmf ^mx \jpkrtagi .......................................................................2 Agsurmgbj ......................................................................................................2 Keeabj Rpmbj ekr \jbjavjr mgn Bkrpkrmtakg.................................................2 Mirjjcjgt watd \jspjbt tk Bkgtagumtakg ke Irkup Djmftd Pfmg Bkvjrmij ekr Ekrcjr Jcpfkyjjs .............................................2 Mirjjcjgt watd \jspjbt tk Agtjrac Mssjt Rjrvabagi ..................................2 \jsjrvjn ......................................................................................................2 Mirjjcjgt watd \jspjbt tk Fkss Rdmragi ...................................................2

M\ÂBFJ AT
1.9
=<.= =<.< =<.2 =<.> =<.:
NZÂJR YA^D \JRPJB^ ^K NJPKRA^K\R KE ^DJ EMAFJN LMGH..........................................................................2
Pmycjgt ke Bdjbhs, Nrmets mgn Krnjrs........................................................2 Bjrtmag Mirjjcjgts \jfmtjn tk Njpksats .....................................................2 Gktabj tk Njpksatkrs ....................................................................................2
MNOZR^CJG^R........................................................................................2
BKGNAÂKG P\JBJNJG^ ....................................................................2
\JP\JRJG^MÂKGR MGN YM\\MGÂJR KE ^DJ MRRZCAGI LMGH ...................................................................................2
AGNJCGAEABMÂKG ...............................................................................2
Agnjcgaeabmtakg ke Agnjcgatjjs ...................................................................2 Bkgnatakgs Prjbjnjgt tk Agnjcgaeabmtakg.....................................................2 Gk Mnnatakgmf Ymrrmgty ..............................................................................2 Agnjcgaeabmtakg ke Bkrpkrmtakg mgn \jbjavjr .............................................2 Klfaimtakgs Ruppfjcjgtmf............................................................................2

=<.5 =<.9 =<.4
M\ÂBFJ TAAA
=2.= =2.< =2.2 =2.> =2.: =2.5 =2.9 =2.4 =2.1 =2.=0 =2.== =2.=< =2.=2
RBDJNZFJR
JTDALA^R
Bracagmf Bfmacs...........................................................................................2 Facatjn Iumrmgty ke tdj Bkrpkrmtakg ..........................................................2 Rulrkimtakg..................................................................................................2
Eagmf Gktabj Fjttjr .......................................................................................2 Meeanmvat ke Cmafagi.....................................................................................2 Agtjrac Mssjt Rjrvabagi Mrrmgijcjgt .........................................................2 Ragifj Emcafy Fkss Rdmrj Mirjjcjgt..........................................................2 Bkccjrbamf Fkss Rdmrj Mirjjcjgt ............................................................2

YDKFJ LMGH
MFF NJPKRA^R
^DAR MI\JJCJG , cmnj mgn jgtjrjn agtk ms ke tdj =4td nmy ke Njbjcljr, <001, ly mgn mckgi tdj EJNJ\MF NJPKRA^ AGRZ\MGBJ BK\PK\MÂKG, \JBJAUJ\ ke EA\R^ EJNJ\MF LMGH KE BMFAEK\GAM, M EJNJ\MF RMUAGIR LMGH, RMG^M CKGABM, BMFAEK\GAM (tdj "\jbjavjr"), KGJYJR^ LMGH, ERL, krimgazjn ugnjr tdj fmws ke tdj Zgatjn Rtmtjs ke Mcjrabm, mgn dmvagi ats pragbapmf pfmbj ke lusagjss ag PMRMNJGM, BMFAEK\GAM (tdj "Mssucagi Lmgh"), mgn tdj EJNJ\MF NJPKRA^ AGRZ\MGBJ BK\PK\MÂKG, krimgazjn ugnjr tdj fmws ke tdj Zgatjn Rtmtjs ke Mcjrabm mgn dmvagi ats pragbapmf keeabj ag Ymsdagitkg, N.B., mbtagi ag ats bkrpkrmtj bmpmbaty (tdj "Bkrpkrmtakg").
YA^GJRRJ^D?
YDJ\JMR, kg Lmgh Bfksagi, tdj Bdmrtjragi Mutdkraty bfksjn EA\R^ EJNJ\MF LMGH KE BMFAEK\GAM, M EJNJ\MF RMUAGIR LMGH (tdj "Emafjn Lmgh") pursumgt tk mppfabmlfj fmw mgn tdj Bkrpkrmtakg wms mppkagtjn \jbjavjr tdjrjke8 mgn
YDJ\JMR, tdj Mssucagi Lmgh njsarjs tk purbdmsj bjrtmag mssjts mgn mssucj bjrtmag njpksat mgn ktdjr famlafatajs ke tdj Emafjn Lmgh kg tdj tjrcs mgn bkgnatakgs sjt ekrtd ag tdas Mirjjcjgt8 mgn
YDJ\JMR, pursumgt tk =< Z.R.B. Rjbtakg =4<2(b)(<)(M), tdj Bkrpkrmtakg cmy prkvanj mssastmgbj tk tdj Mssucagi Lmgh tk embafatmtj tdj trmgsmbtakgs bkgtjcpfmtjn ly tdas Mirjjcjgt, wdabd mssastmgbj cmy agbfunj agnjcgaeabmtakg pursumgt tk Mrtabfj TAA8 mgn
YDJ\JMR, tdj Lkmrn ke Narjbtkrs ke tdj Bkrpkrmtakg (tdj "Lkmrn") dms njtjrcagjn tk prkvanj mssastmgbj tk tdj Mssucagi Lmgh kg tdj tjrcs mgn sulojbt tk tdj bkgnatakgs sjt ekrtd ag tdas Mirjjcjgt8 mgn
YDJ\JMR, tdj Lkmrn dms njtjrcagjn pursumgt tk =< Z.R.B. Rjbtakg =4<2(b)(>)(M) tdmt subd mssastmgbj as gjbjssmry tk cjjt tdj klfaimtakg ke tdj Bkrpkrmtakg tk prkvanj agsurmgbj bkvjrmij ekr tdj agsurjn njpksats ag tdj Emafjn Lmgh.
GKY ^DJ\JEK\J, ag bkgsanjrmtakg ke tdj cutumf prkcasjs djrjag sjt ekrtd mgn ktdjr vmfumlfj bkgsanjrmtakg, tdj pmrtajs djrjtk mirjj ms ekffkws?
Cknufj = Ydkfj Lmgh w/ Fkss Rdmrj P&M Earst Ejnjrmf Lmgh ke Bmfaekrgam, m Ejnjrmf Rmvagis Lmgh Ujrsakg =.=< Rmgtm Ckgabm, Bmfaekrgam
Gkvjcljr =9, <001 =
M\ÂBFJ A NJEAGAÂKGR
Bmpatmfazjn tjrcs usjn ag tdas Mirjjcjgt sdmff dmvj tdj cjmgagis sjt ekrtd ag tdas Mrtabfj A, kr jfsjwdjrj ag tdas Mirjjcjgt. Ms usjn djrjag, wkrns acpmrtagi tdj sagiufmr agbfunj tdj pfurmf mgn vabj vjrsm.
"Mbbkugtagi \jbkrns" cjmgs tdj ijgjrmf fjnijr mgn sulsanamry fjnijrs mgn suppkrtagi sbdjnufjs wdabd suppkrt tdj ijgjrmf fjnijr lmfmgbjs.
"Mbquarjn Rulsanamrajs" cjmgs Rulsanamrajs ke tdj Emafjn Lmgh mbquarjn pursumgt tk Rjbtakg 2.=.
"Meeafamtj" ke mgy Pjrskg cjmgs mgy narjbtkr, keeabjr, kr jcpfkyjj ke tdmt Pjrskg mgn mgy ktdjr Pjrskg (a) wdk as narjbtfy kr agnarjbtfy bkgtrkffagi, kr bkgtrkffjn ly, kr ugnjr narjbt kr agnarjbt bkcckg bkgtrkf watd, subd Pjrskg, kr (aa) wdk as mg meeafamtj ke subd Pjrskg ms tdj tjrc "meeafamtj" as njeagjn ag Rjbtakg < ke tdj Lmgh Dkfnagi Bkcpmgy Mbt ke =1:5, ms mcjgnjn, =< Z.R.B. Rjbtakg =4>=.
"Mirjjcjgt" cjmgs tdas Purbdmsj mgn Mssucptakg Mirjjcjgt ly mgn mckgi tdj Mssucagi Lmgh, tdj Bkrpkrmtakg mgn tdj \jbjavjr, ms mcjgnjn kr ktdjrwasj cknaeajn erkc tacj tk tacj.
"Mssjts" cjmgs mff mssjts ke tdj Emafjn Lmgh purbdmsjn pursumgt tk Rjbtakg 2.=. Mssjts kwgjn ly Rulsanamrajs ke tdj Emafjn Lmgh mrj gkt "Mssjts" watdag tdj cjmgagi ke tdas njeagatakg.
"Mssucjn Njpksats" cjmgs Njpksats.
"Lmgh Bfksagi" cjmgs tdj bfksj ke lusagjss ke tdj Emafjn Lmgh kg tdj nmtj kg wdabd tdj Bdmrtjragi Mutdkraty bfksjn subd agstatutakg.
Lmgh Prjcasjs– cjmgs tdj lmghagi dkusjs, nravj-ag lmghagi embafatajs, mgn tjffjr embafatajs (stmeejn kr mutkcmtjn) tkijtdjr watd mnombjgt pmrhagi, stkrmij mgn sjrvabj embafatajs mgn strubturjs bkggjbtagi rjcktj embafatajs tk lmghagi dkusjs, mgn fmgn kg wdabd tdj ekrjikagi mrj fkbmtjn, mgn ugacprkvjn fmgn tdmt mrj kwgjn kr fjmsjn ly tdj Emafjn Lmgh mgn tdmt dmvj ekrcjrfy ljjg utafazjn, mrj burrjgtfy utafazjn, kr mrj agtjgnjn tk lj utafazjn ag tdj euturj ly tdj Emafjn Lmgh ms sdkwg kg tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi.
"Lan Umfumtakg Nmtj" cjmgs Rjptjcljr <:, <001.
"Lkkh Umfuj" cjmgs, watd rjspjbt tk mgy Mssjt mgn mgy Famlafaty Mssucjn, tdj nkffmr mckugt tdjrjke stmtjn kg tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh. ^dj Lkkh Umfuj ke mgy atjc sdmff lj njtjrcagjn ms ke Lmgh Bfksagi metjr mnoustcjgts cmnj ly tdj \jbjavjr ekr naeejrjgbjs ag mbbkugts, suspjgsj atjcs, ugpkstjn njlats mgn brjnats, mgn ktdjr sacafmr

mnoustcjgts kr bkrrjbtakgs mgn ekr sjtkees, wdjtdjr vkfugtmry kr agvkfugtmry. ^dj Lkkh Umfuj ke m Rulsanamry ke tdj Emafjn Lmgh mbquarjn ly tdj Mssucagi Lmgh sdmff lj njtjrcagjn erkc tdj agvjstcjgt ag sulsanamry mgn rjfmtjn mbbkugts kg tdj "lmgh kgfy" (ugbkgskfanmtjn) lmfmgbj sdjjt ke tdj Emafjn Lmgh lmsjn kg tdj jquaty cjtdkn ke mbbkugtagi. Yatdkut facatagi tdj ijgjrmfaty ke tdj ekrjikagi, (a) tdj Lkkh Umfuj ke m Famlafaty Mssucjn sdmff agbfunj mff mbbrujn mgn ugpman agtjrjst tdjrjkg ms ke Lmgh Bfksagi, mgn (aa) tdj Lkkh Umfuj ke m Fkmg sdmff rjefjbt mnoustcjgts ekr jmrgjn agtjrjst, kr ugjmrgjn agtjrjst (ms at rjfmtjs tk tdj "rufj ke 94s" kr mnn-kg-agtjrjst fkmgs, ms mppfabmlfj), ae mgy, ms ke Lmgh Bfksagi, mnoustcjgts ekr tdj pkrtakg ke jmrgjn kr ugjmrgjn fkmg-rjfmtjn brjnat faej mgn/kr nasmlafaty agsurmgbj prjcaucs, ae mgy, mttralutmlfj tk tdj Emafjn Lmgh ms ke Lmgh Bfksagi, mgn mnoustcjgts ekr Emafjn Lmgh Mnvmgbjs, ae mgy, ag jmbd bmsj ms njtjrcagjn ekr eagmgbamf rjpkrtagi purpksjs. ^dj Lkkh Umfuj ke mg Mssjt sdmff gkt agbfunj mgy mnoustcjgt ekr fkmg prjcaucs, nasbkugts kr mgy rjfmtjn njejrrjn agbkcj, ejjs kr jxpjgsjs, kr ijgjrmf kr spjbaeab rjsjrvjs kg tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh.
"Lusagjss Nmy" cjmgs m nmy ktdjr tdmg m Rmturnmy, Rugnmy, Ejnjrmf fjimf dkfanmy kr fjimf dkfanmy ugnjr tdj fmws ke tdj Rtmtj wdjrj tdj Emafjn Lmgh as fkbmtjn, kr m nmy kg wdabd tdj pragbapmf keeabj ke tdj Bkrpkrmtakg as bfksjn.
"Bdmrtjragi Mutdkraty" cjmgs (a) watd rjspjbt tk m gmtakgmf lmgh, tdj Keeabj ke tdj Bkcptrkffjr ke tdj Burrjgby, (aa) watd rjspjbt tk m Ejnjrmf smvagis msskbamtakg kr smvagis lmgh, tdj Keeabj ke ^draet Rupjrvasakg, (aaa) watd rjspjbt tk m lmgh kr smvagis agstatutakg bdmrtjrjn ly m Rtmtj, tdj mijgby ke subd Rtmtj bdmrijn watd pracmry rjspkgsalafaty ekr rjiufmtagi mgn/kr bfksagi lmghs kr smvagis agstatutakgs, ms tdj bmsj cmy lj, (av) tdj Bkrpkrmtakg ag mbbkrnmgbj watd =< Z.R.B. Rjbtakg =4<=(b), watd rjimrn tk sjfe mppkagtcjgt, kr (v) tdj mpprkpramtj Ejnjrmf lmghagi mijgby ag mbbkrnmgbj watd =< Z.R.B. =4<=(b)(1).
"Bkccatcjgt" cjmgs tdj ugeugnjn pkrtakg ke m fagj ke brjnat kr ktdjr bkccatcjgt rjefjbtjn kg tdj lkkhs mgn rjbkrns ke tdj Emafjn Lmgh tk cmhj mg jxtjgsakg ke brjnat (kr mnnatakgmf mnvmgbjs watd rjspjbt tk m Fkmg) tdmt wms fjimffy lagnagi kg tdj Emafjn Lmgh ms ke Lmgh Bfksagi, ktdjr tdmg jxtjgsakgs ke brjnat pursumgt tk tdj brjnat bmrn lusagjss mgn kvjrnrmet prktjbtakg pfmgs ke tdj Emafjn Lmgh, ae mgy.
"Brjnat Nkbucjgts" cjmg tdj mirjjcjgts, agstrucjgts, bjrtaeabmtjs kr ktdjr nkbucjgts mt mgy tacj jvanjgbagi kr ktdjrwasj rjfmtagi tk, ikvjrgagi kr jxjbutjn ag bkggjbtakg watd kr ms sjburaty ekr, m Fkmg, agbfunagi watdkut facatmtakg gktjs, lkgns, fkmg mirjjcjgts, fjttjr ke brjnat mppfabmtakgs, fjmsj eagmgbagi bkgtrmbts, lmghjr's mbbjptmgbjs, nrmets, agtjrjst prktjbtakg mirjjcjgts, burrjgby jxbdmgij mirjjcjgts, rjpurbdmsj mirjjcjgts, rjvjrsj rjpurbdmsj mirjjcjgts, iumrmgtjjs, njjns ke trust, ckrtimijs, mssaigcjgts, sjburaty mirjjcjgts, pfjnijs, sulkrnagmtakg kr prakraty mirjjcjgts, fajg prakraty mirjjcjgts, ugnjrtmhagis, sjburaty agstrucjgts, bjrtaeabmtjs, nkbucjgts, fjimf kpagakgs, pmrtabapmtakg mirjjcjgts mgn agtjrbrjnatkr mirjjcjgts, mgn mff mcjgncjgts, cknaeabmtakgs, rjgjwmfs, jxtjgsakgs, rjmrrmgijcjgts, mgn sulstatutakgs watd rjspjbt tk mgy ke tdj ekrjikagi.
"Brjnat Eafj" cjmgs mff Brjnat Nkbucjgts mgn mff ktdjr brjnat, bkffmtjrmf, kr agsurmgbj nkbucjgts ag tdj pkssjssakg kr bustkny ke tdj Mssucagi Lmgh, kr mgy ke ats

Rulsanamrajs kr Meeafamtjs, rjfmtagi tk mg Mssjt kr m Fkmg agbfunjn ag m Put Gktabj, kr bkpajs ke mgy tdjrjke.
"Nmtm Prkbjssagi Fjmsj" cjmgs mgy fjmsj kr fabjgsagi mirjjcjgt, lagnagi kg tdj Emafjn Lmgh ms ke Lmgh Bfksagi, tdj sulojbt ke wdabd as nmtm prkbjssagi jquapcjgt kr bkcputjr dmrnwmrj kr sketwmrj usjn ag bkggjbtakg watd nmtm prkbjssagi mbtavatajs. M fjmsj kr fabjgsagi mirjjcjgt ekr bkcputjr sketwmrj usjn ag bkggjbtakg watd nmtm prkbjssagi mbtavatajs sdmff bkgstatutj m Nmtm Prkbjssagi Fjmsj rjimrnfjss ke wdjtdjr subd fjmsj kr fabjgsagi mirjjcjgt mfsk bkvjrs nmtm prkbjssagi jquapcjgt.
"Njpksat" cjmgs m njpksat ms njeagjn ag =< Z.R.B. Rjbtakg =4=2(f), agbfunagi watdkut facatmtakg, kutstmgnagi bmsdajr's bdjbhs mgn ktdjr keeabamf bdjbhs mgn mff ugbkffjbtjn atjcs agbfunjn ag tdj njpksatkrs' lmfmgbjs mgn brjnatjn kg tdj lkkhs mgn rjbkrns ke tdj Emafjn Lmgh8 prkvanjn, tdmt tdj tjrc "Njpksat" sdmff gkt agbfunj mff kr mgy pkrtakg ke tdksj njpksat lmfmgbjs wdabd, ag tdj nasbrjtakg ke tdj \jbjavjr kr tdj Bkrpkrmtakg, (a) cmy lj rjquarjn tk smtasey at ekr mgy faquanmtjn kr bkgtagijgt famlafaty ke mgy njpksatkr mrasagi erkc mg ugmutdkrazjn kr ugfmweuf trmgsmbtakg, kr (aa) cmy lj gjjnjn tk prkvanj pmycjgt ke mgy famlafaty ke mgy njpksatkr tk tdj Emafjn Lmgh kr tdj \jbjavjr, agbfunagi tdj famlafaty ke mgy njpksatkr ms m narjbtkr kr keeabjr ke tdj Emafjn Lmgh, wdjtdjr kr gkt tdj mckugt ke tdj famlafaty as kr bmg lj njtjrcagjn ms ke Lmgh Bfksagi.
"Njpksat Rjburjn Fkmg" cjmgs m fkmg ag wdabd tdj kgfy bkffmtjrmf sjburagi tdj fkmg as Mssucjn Njpksats kr njpksats mt ktdjr agsurjn njpksatkry agstatutakgs
"Jquaty Mnoustcjgt" cjmgs tdj nkffmr mckugt rjsuftagi ly sultrmbtagi tdj Lkkh Umfuj, ms ke Lmgh Bfksagi, ke mff Famlafatajs Mssucjn ugnjr tdas Mirjjcjgt ly tdj Mssucagi Lmgh erkc tdj purbdmsj prabj, ms njtjrcagjn ag mbbkrnmgbj watd tdas Mirjjcjgt, ms ke Lmgh Bfksagi, ke mff Mssjts mbquarjn ugnjr tdas Mirjjcjgt ly tdj Mssucagi Lmgh, wdabd cmy lj m pksatavj kr m gjimtavj gucljr.
"Emafjn Lmgh Mnvmgbjs" cjmgs tdj tktmf sucs pman ly tdj Emafjn Lmgh tk (a) prktjbt ats fajg pksatakg, (aa) pmy mn vmfkrjc tmxjs mgn dmzmrn agsurmgbj, mgn (aaa) pmy brjnat faej agsurmgbj, mbbanjgt mgn djmftd agsurmgbj, mgn vjgnkr's sagifj agtjrjst agsurmgbj.
"Emar Cmrhjt Umfuj" cjmgs (a)(m) Cmrhjt Umfuj– ms njeagjn ag tdj rjiufmtakg prjsbralagi tdj stmgnmrns ekr rjmf jstmtj mpprmasmfs usjn ag ejnjrmffy rjfmtjn trmgsmbtakgs, =< B.E.\. § 2<2.<(i), mgn mbbkrnagify sdmff cjmg tdj ckst prklmlfj prabj wdabd m prkpjrty sdkufn lragi ag m bkcpjtatavj mgn kpjg cmrhjt ugnjr mff bkgnatakgs rjquasatj tk m emar smfj, tdj luyjr mgn sjffjr jmbd mbtagi prunjgtfy mgn hgkwfjnijmlfy, mgn mssucagi tdj prabj as gkt meejbtjn ly ugnuj stacufus. Acpfabat ag tdas njeagatakg as tdj bkgsuccmtakg ke m smfj ms ke m spjbaeajn nmtj mgn tdj pmssagi ke tatfj erkc sjffjr tk luyjr ugnjr bkgnatakgs wdjrjly?
(=) Luyjr mgn sjffjr mrj typabmffy cktavmtjn8 (<) Lktd pmrtajs mrj wjff agekrcjn kr wjff mnvasjn, mgn mbtagi ag wdmt tdjy bkgsanjr tdjar kwg ljst agtjrjsts8 (2) M rjmskgmlfj tacj as mffkwjn ekr jxpksurj ag tdj kpjg cmrhjt8

(>) Pmycjgt as cmnj ag tjrcs ke bmsd ag Z.R. nkffmrs kr ag tjrcs ke eagmgbamf mrrmgijcjgts bkcpmrmlfj tdjrjtk8 mgn (:) ^dj prabj rjprjsjgts tdj gkrcmf bkgsanjrmtakg ekr tdj prkpjrty skfn ugmeejbtjn ly spjbamf kr brjmtavj eagmgbagi kr smfjs bkgbjssakgs irmgtjn ly mgykgj msskbamtjn watd tdj smfj8
ms njtjrcagjn ms ke Lmgh Bfksagi ly mg mpprmasjr bdksjg ly tdj Mssucagi Lmgh erkc m fast ke mbbjptmlfj mpprmasjrs prkvanjn ly tdj \jbjavjr8 mgy bksts mgn ejjs msskbamtjn watd subd njtjrcagmtakg sdmff lj sdmrjn jqumffy ly tdj \jbjavjr mgn tdj Mssucagi Lmgh, mgn (l) wdabd, watd rjspjbt tk Lmgh Prjcasjs (tk tdj jxtjgt, ae mgy, tdmt Lmgh Prjcasjs mrj purbdmsjn utafazagi tdas vmfumtakg cjtdkn), sdmff lj njtjrcagjn gkt fmtjr tdmg saxty (50) nmys metjr Lmgh Bfksagi ly mg mpprmasjr sjfjbtjn ly tdj \jbjavjr mgn tdj Mssucagi Lmgh watdag sjvjg (9) nmys metjr Lmgh Bfksagi8 kr (aa) watd rjspjbt tk prkpjrty ktdjr tdmg Lmgh Prjcasjs purbdmsjn utafazagi tdas vmfumtakg cjtdkn, tdj prabj tdjrjekrj ms jstmlfasdjn ly tdj \jbjavjr mgn mirjjn tk ly tdj Mssucagi Lmgh, kr ag tdj mlsjgbj ke subd mirjjcjgt, ms njtjrcagjn ag mbbkrnmgbj watd bfmusj (a)(m) mlkvj.
"Earst Fkss ^rmgbdj" cjmgs tdj nkffmr mckugt ke famlafaty tdmt tdj Mssucagi Lmgh waff agbur prakr tk tdj bkccjgbjcjgt ke fkss sdmragi, wdabd as tdj suc ke (a) tdj Mssucagi Lmghs mssjt prjcauc (nasbkugt) lan, ms rjefjbtjn kg tdj Mssucagi Lmghs lan ekrc, pfus (aa) tdj Mssucagi Lmghs Njpksat prjcauc lan, ms rjefjbtjn kg tdj Mssucagi Lmghs lan ekrc, pfus (aaa) tdj Jquaty Mnoustcjgt. ^dj Earst Fkss ^rmgbdj cmy lj m pksatavj kr gjimtavj gucljr.
"Eaxturjs" cjmgs tdksj fjmsjdkfn acprkvjcjgts, mnnatakgs, mftjrmtakgs mgn agstmffmtakgs bkgstatutagi mff kr m pmrt ke Lmgh Prjcasjs mgn wdabd wjrj mbquarjn, mnnjn, luaft, agstmffjn kr purbdmsjn mt tdj jxpjgsj ke tdj Emafjn Lmgh, rjimrnfjss ke tdj dkfnjr ke fjimf tatfj tdjrjtk ms ke Lmgh Bfksagi.
"Eurgaturj mgn Jquapcjgt" cjmgs tdj eurgaturj mgn jquapcjgt, ktdjr tdmg cktkr vjdabfjs, fjmsjn kr kwgjn ly tdj Emafjn Lmgh mgn rjefjbtjn kg tdj lkkhs ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi mgn fkbmtjn kg kr mt Lmgh Prjcasjs, agbfunagi watdkut facatmtakg mutkcmtjn tjffjr cmbdagjs, bmrpjtagi, eurgaturj, keeabj cmbdagjry (agbfunagi pjrskgmf bkcputjrs), sdjfvagi, keeabj suppfajs, tjfjpdkgj, survjaffmgbj, sjburaty systjcs mgn mrtwkrh. Cktkr vjdabfjs sdmff lj bkgsanjrjn ktdjr mssjts mgn pmss mt Lkkh Umfuj. Eurgaturj mgn jquapcjgt fkbmtjn mt m stkrmij embafaty gkt mnombjgt tk m Lmgh Prjcasjs mrj jxbfunjn erkc tdas njeagatakg.
"Agnjcgatjjs" cjmgs, jxbjpt ms prkvanjn ag pmrmirmpd (==) ke Rjbtakg =<.=(l), (a) tdj Mssucagi Lmgh, (aa) tdj Rulsanamrajs mgn Meeafamtjs ke tdj Mssucagi Lmgh ktdjr tdmg mgy Rulsanamrajs kr Meeafamtjs ke tdj Emafjn Lmgh tdmt mrj kr ljbkcj Rulsanamrajs kr Meeafamtjs ke tdj Mssucagi Lmgh, mgn (aaa) tdj narjbtkrs, keeabjrs, jcpfkyjjs mgn mijgts ke tdj Mssucagi Lmgh mgn ats Rulsanamrajs mgn Meeafamtjs wdk mrj gkt mfsk prjsjgt kr ekrcjr narjbtkrs, keeabjrs, jcpfkyjjs kr mijgts ke tdj Emafjn Lmgh kr ke mgy Rulsanamry kr Meeafamtj ke tdj Emafjn Lmgh.

"Fjimf Lmfmgbj" cjmgs tdj mckugt ke agnjltjngjss fjimffy kwjn ly mg Klfaikr watd rjspjbt tk m Fkmg, agbfunagi pragbapmf mgn mbbrujn mgn ugpman agtjrjst, fmtj ejjs, mttkrgjys' ejjs mgn jxpjgsjs, tmxjs, agsurmgbj prjcaucs, mgn sacafmr bdmrijs, ae mgy.
"Famlafatajs Mssucjn" dms tdj cjmgagi prkvanjn ag Rjbtakg <.=.
"Fajg" cjmgs mgy ckrtimij, fajg, pfjnij, bdmrij, mssaigcjgt ekr sjburaty purpksjs, sjburaty agtjrjst, kr jgbuclrmgbj ke mgy hagn watd rjspjbt tk mg Mssjt, agbfunagi mgy bkgnatakgmf smfj mirjjcjgt kr bmpatmf fjmsj kr ktdjr tatfj rjtjgtakg mirjjcjgt rjfmtagi tk subd Mssjt.
"Fkmgs" cjmgs mff ke tdj ekffkwagi kwjn tk kr djfn ly tdj Emafjn Lmgh ms ke Lmgh Bfksagi?
(a) fkmgs (agbfunagi fkmgs wdabd dmvj ljjg bdmrijn kee tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh ag wdkfj kr ag pmrt prakr tk mgn agbfunagi tdj Lan Umfumtakg Nmtj), pmrtabapmtakg mirjjcjgts, agtjrjsts ag pmrtabapmtakgs, kvjrnrmets ke bustkcjrs (agbfunagi lut gkt facatjn tk kvjrnrmets cmnj pursumgt tk mg kvjrnrmet prktjbtakg pfmg kr sacafmr jxtjgsakgs ke brjnat ag bkggjbtakg watd m njpksat mbbkugt), rjvkfvagi bkccjrbamf fagjs ke brjnat, dkcj jquaty fagjs ke brjnat, Bkccatcjgts, Zgatjn Rtmtjs mgn/kr Rtmtj-iumrmgtjjn stunjgt fkmgs, mgn fjmsj eagmgbagi bkgtrmbts8
(aa) mff Fajgs, raidts (agbfunagi raidts ke sjt-kee), rjcjnajs, pkwjrs, pravafjijs, njcmgns, bfmacs, prakratajs, jquatajs mgn ljgjeats kwgjn kr djfn ly, kr mbbruagi kr tk mbbruj tk kr ekr tdj ljgjeat ke, tdj dkfnjr ke tdj klfaimtakgs kr agstrucjgts rjejrrjn tk ag bfmusj (a) mlkvj, agbfunagi lut gkt facatjn tk tdksj mrasagi ugnjr kr lmsjn upkg Brjnat Nkbucjgts, bmsumfty agsurmgbj pkfabajs mgn lagnjrs, stmgnly fjttjrs ke brjnat, ckrtimijj tatfj agsurmgbj pkfabajs mgn lagnjrs, pmycjgt lkgns mgn pjrekrcmgbj lkgns mt mgy tacj mgn erkc tacj tk tacj jxastagi watd rjspjbt tk mgy ke tdj klfaimtakgs kr agstrucjgts rjejrrjn tk ag bfmusj (a) mlkvj8 mgn
(aaa) mff mcjgncjgts, cknaeabmtakgs, rjgjwmfs, jxtjgsakgs, rjeagmgbagis, mgn rjeugnagis ke kr ekr mgy ke tdj ekrjikagi.
"Klfaikr" cjmgs jmbd Pjrskg famlfj ekr tdj euff kr pmrtamf pmycjgt kr pjrekrcmgbj ke mgy Fkmg, wdjtdjr subd Pjrskg as klfaimtjn narjbtfy, agnarjbtfy, pracmrafy, sjbkgnmrafy, okagtfy, kr sjvjrmffy.
"Ktdjr \jmf Jstmtj" cjmgs mff agtjrjsts ag rjmf jstmtj (ktdjr tdmg Lmgh Prjcasjs mgn Eaxturjs), agbfunagi lut gkt facatjn tk cagjrmf raidts, fjmsjdkfn raidts, bkgnkcagauc mgn bkkpjrmtavj agtjrjsts, mar raidts mgn njvjfkpcjgt raidts tdmt mrj kwgjn ly tdj Emafjn Lmgh.
"Pjrskg" cjmgs mgy agnavanumf, bkrpkrmtakg, pmrtgjrsdap, okagt vjgturj, msskbamtakg, okagt-stkbh bkcpmgy, trust, ugagbkrpkrmtjn krimgazmtakg, kr ikvjrgcjgt kr mgy mijgby kr pkfatabmf sulnavasakg tdjrjke, jxbfunagi tdj Bkrpkrmtakg.

"Pracmry Agnjcgatkr" cjmgs mgy Pjrskg (ktdjr tdmg tdj Mssucagi Lmgh kr mgy ke ats Meeafamtjs) wdk as klfaimtjn tk agnjcgaey kr agsurj, kr ktdjrwasj cmhj pmycjgts (agbfunagi pmycjgts kg mbbkugt ke bfmacs cmnj mimagst) tk kr kg ljdmfe ke mgy Pjrskg ag bkggjbtakg watd tdj bfmacs bkvjrjn ugnjr Mrtabfj TAA, agbfunagi watdkut facatmtakg mgy agsurjr assuagi mgy narjbtkrs mgn keeabjrs famlafaty pkfaby kr mgy Pjrskg assuagi m eagmgbamf agstatutakg lkgn kr lmghjr's lfmghjt lkgn.
Prkekrcm– cjmgs prknubagi m lmfmgbj sdjjt tdmt rjefjbts m rjmskgmlfy mbburmtj eagmgbamf stmtjcjgt ke tdj Emafjn lmgh tdrkuid tdj nmtj ke bfksagi. ^dj Prkekrcm eagmgbamf stmtjcjgts sjrvj ms m lmsas ekr tdj kpjgagi jgtrajs ke lktd tdj Mssucagi Lmgh mgn tdj \jbjavjr.
"Put Nmtj" dms tdj cjmgagi prkvanjn ag Rjbtakg 2.>.
"Put Gktabj" dms tdj cjmgagi prkvanjn ag Rjbtakg 2.>.
"]umfaeajn Eagmgbamf Bkgtrmbt" cjmgs m qumfaeajn eagmgbamf bkgtrmbt ms njeagjn ag =< Z.R.B. Rjbtakg =4<=(j)(4)(N).
"\jbkrn" cjmgs mgy nkbucjgt, cabrkeabdj, cabrkeafc mgn bkcputjr rjbkrns (agbfunagi lut gkt facatjn tk cmigjtab tmpj, nasb stkrmij, bmrn ekrcs mgn pragtjn bkpy) ke tdj Emafjn Lmgh ijgjrmtjn kr cmagtmagjn ly tdj Emafjn Lmgh tdmt as kwgjn ly kr ag tdj pkssjssakg ke tdj \jbjavjr mt Lmgh Bfksagi.
"\jfmtjn Famlafaty" watd rjspjbt tk mgy Mssjt cjmgs mgy famlafaty jxastagi mgn rjefjbtjn kg tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi ekr (a) agnjltjngjss sjburjn ly ckrtimijs, njjns ke trust, bdmttjf ckrtimijs, sjburaty agtjrjsts kr ktdjr fajgs kg kr meejbtagi subd Mssjt, (aa) mn vmfkrjc tmxjs mppfabmlfj tk subd Mssjt, mgn (aaa) mgy ktdjr klfaimtakg njtjrcagjn ly tdj \jbjavjr tk lj narjbtfy rjfmtjn tk subd Mssjt.
"\jfmtjn Famlafaty Mckugt" watd rjspjbt tk mgy \jfmtjn Famlafaty kg tdj lkkhs ke tdj Mssucagi Lmgh, cjmgs tdj mckugt ke subd \jfmtjn Famlafaty ms stmtjn kg tdj Mbbkugtagi \jbkrns ke tdj Mssucagi Lmgh (ms cmagtmagjn ag mbbkrnmgbj watd ijgjrmffy mbbjptjn mbbkugtagi pragbapfjs) ms ke tdj nmtj ms ke wdabd tdj \jfmtjn Famlafaty Mckugt as ljagi njtjrcagjn. Yatd rjspjbt tk m famlafaty tdmt rjfmtjs tk ckrj tdmg kgj mssjt, tdj mckugt ke subd \jfmtjn Famlafaty sdmff lj mffkbmtjn mckgi subd mssjts ekr tdj purpksj ke njtjrcagagi tdj \jfmtjn Famlafaty Mckugt watd rjspjbt tk mgy kgj ke subd mssjts. Rubd mffkbmtakg sdmff lj cmnj ly spjbaeab mffkbmtakg, wdjrj njtjrcagmlfj, mgn ktdjrwasj sdmff lj prk rmtm lmsjn upkg tdj nkffmr mckugt ke subd mssjts stmtjn kg tdj Mbbkugtagi \jbkrns ke tdj jgtaty tdmt kwgs subd mssjt.
"\jpurbdmsj Prabj" cjmgs, watd rjspjbt tk mgy Fkmg tdj Lkkh Umfuj, mnoustjn tk rjefjbt bdmgijs tk Lkkh Umfuj metjr Lmgh Bfksagi, pfus (a) mgy mnvmgbjs mgn agtjrjst kg subd Fkmg metjr Lmgh Bfksagi, cagus (aa) tdj tktmf ke mckugts rjbjavjn ly tdj Mssucagi Lmgh ekr subd Fkmg, rjimrnfjss ke dkw mppfajn, metjr Lmgh Bfksagi, pfus (aaa) mnvmgbjs cmnj ly Mssucagi Lmgh, pfus (av) tktmf naslursjcjgts ke pragbapmf cmnj ly \jbjavjr tdmt mrj gkt agbfunjn ag tdj Lkkh Umfuj.

"Rmej Njpksat Lkxjs" cjmgs tdj smej njpksat lkxjs ke tdj Emafjn Lmgh, ae mgy, agbfunagi tdj rjckvmlfj smej njpksat lkxjs mgn smej njpksat stmbhs ag tdj Emafjn Lmgh's vmuft(s), mff raidts mgn ljgjeats ugnjr rjgtmf mirjjcjgts watd rjspjbt tk subd smej njpksat lkxjs, mgn mff hjys mgn bkclagmtakgs tdjrjtk.
"Rjttfjcjgt Nmtj" cjmgs tdj earst Lusagjss Nmy accjnamtjfy prakr tk tdj nmy wdabd as tdrjj dugnrjn saxty eavj (25:) nmys metjr Lmgh Bfksagi, kr subd ktdjr nmtj prakr tdjrjtk ms cmy lj mirjjn upkg ly tdj \jbjavjr mgn tdj Mssucagi Lmgh. ^dj \jbjavjr, ag ats nasbrjtakg, cmy jxtjgn tdj Rjttfjcjgt Nmtj.
"Rjttfjcjgt Agtjrjst \mtj" cjmgs, ekr tdj earst bmfjgnmr qumrtjr kr pkrtakg tdjrjke nuragi wdabd agtjrjst mbbrujs, tdj rmtj njtjrcagjn ly tdj \jbjavjr tk lj jqumf tk tdj jquavmfjgt bkupkg assuj yajfn kg twjgty-sax (<5)-wjjh Zgatjn Rtmtjs ^rjmsury Laffs ag jeejbt ms ke Lmgh Bfksagi ms pulfasdjn ag ^dj Ymff Rtrjjt Okurgmf8 prkvanjn, tdmt ae gk subd jquavmfjgt bkupkg assuj yajfn as mvmafmlfj ms ke Lmgh Bfksagi, tdj jquavmfjgt bkupkg assuj yajfn ekr subd ^rjmsury Laffs ckst rjbjgtfy pulfasdjn ag ^dj Ymff Rtrjjt Okurgmf prakr tk Lmgh Bfksagi sdmff lj usjn. ^djrjmetjr, tdj rmtj sdmff lj mnoustjn tk tdj rmtj njtjrcagjn ly tdj \jbjavjr tk lj jqumf tk tdj jquavmfjgt bkupkg assuj yajfn kg subd ^rjmsury Laffs ag jeejbt ms ke tdj earst nmy ke jmbd subbjjnagi bmfjgnmr qumrtjr nuragi wdabd agtjrjst mbbrujs ms pulfasdjn ag ^dj Ymff Rtrjjt Okurgmf.
"Rulsanamry" dms tdj cjmgagi sjt ekrtd ag Rjbtakg 2(w)(>) ke tdj Ejnjrmf Njpksat Agsurmgbj Mbt, =< Z.R.B. Rjbtakg =4=2(w)(>), ms mcjgnjn.
M\ÂBFJ AA MRRZCPÂKG KE FAMLAFAÂJR
<.= Famlafatajs Mssucjn ly Mssucagi Lmgh. ^dj Mssucagi Lmgh jxprjssfy mssucjs mt Lkkh Umfuj (sulojbt tk mnoustcjgt pursumgt tk Mrtabfj UAAA) mgn mirjjs tk pmy, pjrekrc, mgn nasbdmrij mff ke tdj ekffkwagi famlafatajs ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi, jxbjpt ms ktdjrwasj prkvanjn ag tdas Mirjjcjgt (subd famlafatajs rjejrrjn tk ms "Famlafatajs Mssucjn")?
(m) Mssucjn Njpksats, jxbjpt tdksj Njpksats spjbaeabmffy fastjn kg Rbdjnufj <.=(m)8 prkvanjn, tdmt ms tk mgy Njpksats ke pulfab ckgjy wdabd mrj Mssucjn Njpksats, tdj Mssucagi Lmgh mirjjs tk prkpjrfy sjburj subd Njpksats watd subd Mssjts ms mpprkpramtj wdabd, prakr tk Lmgh Bfksagi, wjrj pfjnijn ms sjburaty ly tdj Emafjn Lmgh, kr watd mssjts ke tdj Mssucagi Lmgh, ae subd sjburagi Mssjts, ae mgy, mrj agsueeabajgt tk prkpjrfy sjburj subd Njpksats8
(l) famlafatajs ekr agnjltjngjss sjburjn ly ckrtimijs, njjns ke trust, bdmttjf ckrtimijs, sjburaty agtjrjsts kr ktdjr fajgs kg kr meejbtagi mgy Mssjts, ae mgy8 prkvanjn, tdmt tdj mssucptakg ke mgy famlafaty pursumgt tk tdas pmrmirmpd sdmff lj facatjn tk tdj cmrhjt vmfuj ke tdj Mssjts sjburagi subd famlafaty ms njtjrcagjn ly tdj \jbjavjr8

(b) lkrrkwagis erkc Ejnjrmf \jsjrvj Lmghs mgn Ejnjrmf Dkcj Fkmg Lmghs, ae mgy, prkvanjn, tdmt tdj mssucptakg ke mgy famlafaty pursumgt tk tdas pmrmirmpd sdmff lj facatjn tk tdj cmrhjt vmfuj ke tdj mssjts sjburagi subd famlafaty ms njtjrcagjn ly tdj \jbjavjr8 mgn kvjrnrmets, njlat lmfmgbjs, sjrvabj bdmrijs, rjbfmcmtakgs, mgn mnoustcjgts tk mbbkugts watd tdj Ejnjrmf \jsjrvj Lmghs ms rjefjbtjn kg tdj lkkhs mgn rjbkrns ke mgy subd Ejnjrmf \jsjrvj Lmgh watdag gagjty (10) nmys metjr Lmgh Bfksagi, ae mgy8
(n) mn vmfkrjc tmxjs mppfabmlfj tk mgy Mssjt, ae mgy8 prkvanjn, tdmt tdj mssucptakg ke mgy mn vmfkrjc tmxjs pursumgt tk tdas pmrmirmpd sdmff lj facatjn tk mg mckugt jqumf tk tdj cmrhjt vmfuj ke tdj Mssjt tk wdabd subd tmxjs mppfy ms njtjrcagjn ly tdj \jbjavjr8
(j) famlafatajs, ae mgy, ekr ejnjrmf eugns purbdmsjn, rjpurbdmsj mirjjcjgts mgn kvjrnrmets ag mbbkugts cmagtmagjn watd ktdjr njpksatkry agstatutakgs (agbfunagi mgy mbbrujn mgn ugpman agtjrjst tdjrjkg bkcputjn tk mgn agbfunagi Lmgh Bfksagi)8 prkvanjn, tdmt tdj mssucptakg ke mgy famlafaty pursumgt tk tdas pmrmirmpd sdmff lj facatjn tk tdj cmrhjt vmfuj ke tdj Mssjts sjburagi subd famlafaty ms njtjrcagjn ly tdj \jbjavjr8
(e) Zgatjn Rtmtjs ^rjmsury tmx mgn fkmg gktj kptakg mbbkugts, ae mgy8
(i) famlafatajs ekr mgy mbbjptmgbj kr bkccjrbamf fjttjr ke brjnat (ktdjr tdmg "stmgnly fjttjrs ke brjnat" ms njeagjn ag =< B.E.\. Rjbtakg 229.<(m))8 prkvanjn, tdmt tdj mssucptakg ke mgy famlafaty pursumgt tk tdas pmrmirmpd sdmff lj facatjn tk tdj cmrhjt vmfuj ke tdj Mssjts sjburagi subd famlafaty ms njtjrcagjn ly tdj \jbjavjr8
(d) nutajs mgn klfaimtakgs mssucjn pursumgt tk tdas Mirjjcjgt agbfunagi watdkut facatmtakg tdksj rjfmtagi tk tdj Emafjn Lmgh's \jbkrns, brjnat bmrn lusagjss, kvjrnrmet prktjbtakg pfmgs, smej njpksat lusagjss, smejhjjpagi lusagjss kr trust lusagjss, ae mgy8
(a) famlafatajs, ae mgy, ekr Bkccatcjgts8
(o) famlafatajs, ae mgy, ekr mckugts kwjn tk mgy Rulsanamry ke tdj Emafjn Lmgh mbquarjn ugnjr Rjbtakg 2.=8
(h) famlafatajs, ae mgy, watd rjspjbt tk ]umfaeajn Eagmgbamf Bkgtrmbts8
(f) nutajs mgn klfaimtakgs ugnjr mgy bkgtrmbt pursumgt tk wdabd tdj Emafjn Lmgh prkvanjs ckrtimij sjrvabagi ekr ktdjrs, kr ckrtimij sjrvabagi as prkvanjn tk tdj Emafjn Lmgh ly ktdjrs8 mgn
(c) mff mssjt-rjfmtjn keejgsavj fataimtakg famlafatajs mgn mff mssjt-rjfmtjn njejgsavj fataimtakg famlafatajs, lut kgfy tk tdj jxtjgt subd famlafatajs rjfmtj

tk mssjts sulojbt tk m fkss sdmrj mirjjcjgt, mgn prkvanjn tdmt mff ktdjr njejgsavj fataimtakg mgn mgy bfmss mbtakgs watd rjspjbt tk brjnat bmrn lusagjss mrj rjtmagjn ly tdj \jbjavjr.
Rbdjnufj <.= mttmbdjn djrjtk mgn agbkrpkrmtjn djrjag sjts ekrtd bjrtmag bmtjikrajs ke Famlafatajs Mssucjn mgn tdj miirjimtj Lkkh Umfuj ke tdj Famlafatajs Mssucjn ag subd bmtjikrajs. Rubd sbdjnufj as lmsjn upkg tdj ljst agekrcmtakg mvmafmlfj tk tdj \jbjavjr mgn cmy lj mnoustjn ms prkvanjn ag Mrtabfj UAAA.
<.< Agtjrjst kg Njpksat Famlafatajs. ^dj Mssucagi Lmgh mirjjs tdmt, erkc mgn metjr Lmgh Bfksagi, at waff mbbruj mgn pmy agtjrjst kg Njpksat famlafatajs mssucjn pursumgt tk Rjbtakg <.= mt m rmtj(s) at sdmff njtjrcagj8 prkvanjn, tdmt ekr gkg-trmgsmbtakg Njpksat famlafatajs subd rmtj(s) sdmff gkt lj fjss tdmg tdj fkwjst rmtj keejrjn ly tdj Mssucagi Lmgh tk ats njpksatkrs ekr gkg-trmgsmbtakg njpksat mbbkugts. ^dj Mssucagi Lmgh sdmff pjrcat jmbd njpksatkr tk watdnrmw, watdkut pjgmfty ekr jmrfy watdnrmwmf, mff kr mgy pkrtakg ke subd njpksatkr's Njpksat, wdjtdjr kr gkt tdj Mssucagi Lmgh jfjbts tk pmy agtjrjst ag mbbkrnmgbj watd mgy njpksat mirjjcjgt ekrcjrfy jxastagi ljtwjjg tdj Emafjn Lmgh mgn subd njpksatkr8 mgn eurtdjr prkvanjn, tdmt ae subd Njpksat dms ljjg pfjnijn tk sjburj mg klfaimtakg ke tdj njpksatkr kr ktdjr pmrty, mgy watdnrmwmf tdjrjke sdmff lj sulojbt tk tdj tjrcs ke tdj mirjjcjgt ikvjrgagi subd pfjnij. ^dj Mssucagi Lmgh sdmff iavj gktabj tk subd njpksatkrs ms prkvanjn ag Rjbtakg :.2 ke tdj rmtj(s) ke agtjrjst wdabd at dms njtjrcagjn tk pmy mgn ke subd watdnrmwmf raidts.
<.2 Zgbfmacjn Njpksats. Eaetjjg (=:) ckgtds ekffkwagi tdj Lmgh Bfksagi Nmtj, tdj Mssucagi Lmgh waff prkvanj tdj \jbjavjr m fastagi ke mff njpksat mbbkugts, agbfunagi tdj typj ke mbbkugt, gkt bfmacjn ly tdj njpksatkr. ^dj \jbjavjr waff rjvajw tdj fast mgn mutdkrazj tdj Mssucagi Lmgh tk mbt kg ljdmfe ke tdj \jbjavjr tk sjgn m Eagmf Fjimf Gktabj– ag m ekrc sulstmgtamffy sacafmr tk Jxdalat <.2M tk tdj kwgjr(s) ke tdj ugbfmacjn njpksats rjcagnagi tdjc ke tdj gjjn tk bfmac kr mrrmgij tk bkgtaguj tdjar mbbkugt(s) watd tdj Mssucagi Lmgh. ^dj Mssucagi Lmgh waff sjgn tdj Eagmf Fjimf Gktabj– tk tdj njpksatkrs watdag tdarty (20) nmys ekffkwagi gktaeabmtakg ke tdj \jbjavjrs mutdkrazmtakg. ^dj Mssucagi Lmgh waff prjpmrj mg Meeanmvat ke Cmafagi mgn waff ekrwmrn tdj Meeanmvat ke Cmafagi tk tdj \jbjavjr metjr cmafagi kut tdj Eagmf Fjimf Gktabj– ag m ekrc sulstmgtamffy sacafmr tk Jxdalat <.2L tk tdj kwgjr(s) ke ugbfmacjn njpksat mbbkugts.
Ae, watdag jaidtjjg (=4) ckgtds metjr Lmgh Bfksagi, mgy njpksatkr ke tdj Emafjn Lmgh nkjs gkt bfmac kr mrrmgij tk bkgtaguj subd njpksatkrs Njpksat mssucjn pursumgt tk Rjbtakg <.= mt tdj Mssucagi Lmgh, tdj Mssucagi Lmgh sdmff, watdag eaetjjg (=:) Lusagjss Nmys metjr tdj jgn ke subd jaidtjjg (=4) ckgtd pjrakn, (a) rjeugn tk tdj \jbjavjr tdj euff mckugt ke jmbd subd njpksat (watdkut rjnubtakg ekr sjrvabj bdmrijs), (aa) prkvanj tk tdj \jbjavjr m sbdjnufj ke mff subd rjeugnjn Njpksats ag subd ekrc ms cmy lj prjsbraljn ly tdj \jbjavjr, mgn (aaa) mssaig, trmgsejr, bkgvjy, mgn njfavjr tk tdj \jbjavjr, mff raidt, tatfj, mgn agtjrjst ke tdj Mssucagi Lmgh ag mgn tk tdj \jbkrns prjvakusfy trmgsejrrjn tk tdj Mssucagi Lmgh mgn ktdjr rjbkrns ijgjrmtjn kr cmagtmagjn ly tdj Mssucagi Lmgh pjrtmagagi tk subd Njpksats. Nuragi subd jaidtjjg (=4) ckgtd pjrakn, mt tdj rjqujst ke tdj \jbjavjr, tdj Mssucagi Lmgh prkcptfy sdmff prkvanj tk tdj \jbjavjr sbdjnufjs ke ugbfmacjn njpksats ag subd ekrc ms cmy lj prjsbraljn ly tdj \jbjavjr.

<.> Jcpfkyjj Pfmgs. Jxbjpt ms prkvanjn ag Rjbtakg >.=<, tdj Mssucagi Lmgh sdmff dmvj gk famlafatajs, klfaimtakgs kr rjspkgsalafatajs ugnjr tdj Emafjn Lmgh's djmftd bmrj, lkgus, vmbmtakg, pjgsakg, prkeat sdmragi, njejrrjn bkcpjgsmtakg, >0=H kr stkbh purbdmsj pfmgs kr sacafmr pfmgs, ae mgy, ugfjss tdj \jbjavjr mgn tdj Mssucagi Lmgh mirjj ktdjrwasj sulsjqujgt tk tdj nmtj ke tdas Mirjjcjgt.
M\ÂBFJ AAA PZ\BDMRJ KE MRRJ^R
2.= Mssjts Purbdmsjn ly Mssucagi Lmgh. Yatd tdj jxbjptakg ke bjrtmag mssjts jxprjssfy jxbfunjn ag Rjbtakgs 2.: mgn 2.5, tdj Mssucagi Lmgh djrjly purbdmsjs erkc tdj \jbjavjr, mgn tdj \jbjavjr djrjly sjffs, mssaigs, trmgsejrs, bkgvjys, mgn njfavjrs tk tdj Mssucagi Lmgh, mff raidt, tatfj, mgn agtjrjst ke tdj \jbjavjr ag mgn tk mff ke tdj mssjts (rjmf, pjrskgmf mgn caxjn, wdjrjvjr fkbmtjn mgn dkwjvjr mbquarjn) agbfunagi mff sulsanamrajs, okagt vjgturjs, pmrtgjrsdaps, mgn mgy mgn mff ktdjr lusagjss bkclagmtakgs kr mrrmgijcjgts, wdjtdjr mbtavj, agmbtavj, nasskfvjn kr tjrcagmtjn, ke tdj Emafjn Lmgh wdjtdjr kr gkt rjefjbtjn kg tdj lkkhs ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi. Rbdjnufj 2.= mttmbdjn djrjtk mgn agbkrpkrmtjn djrjag sjts ekrtd bjrtmag bmtjikrajs ke Mssjts purbdmsjn djrjugnjr. Rubd sbdjnufj as lmsjn upkg tdj ljst agekrcmtakg mvmafmlfj tk tdj \jbjavjr mgn cmy lj mnoustjn ms prkvanjn ag Mrtabfj UAAA. Mssjts mrj purbdmsjn djrjugnjr ly tdj Mssucagi Lmgh sulojbt tk mff famlafatajs ekr agnjltjngjss bkffmtjrmfazjn ly Fajgs meejbtagi subd Mssjts tk tdj jxtjgt prkvanjn ag Rjbtakg <.=. Gktwatdstmgnagi Rjbtakg >.4, tdj Mssucagi Lmgh spjbaeabmffy purbdmsjs mff ckrtimij sjrvabagi raidts mgn klfaimtakgs ke tdj Emafjn Lmgh.
2.< Mssjt Purbdmsj Prabj.
(m) Mff Mssjts mgn mssjts ke tdj Emafjn Lmgh sulojbt tk mg kptakg tk purbdmsj ly tdj Mssucagi Lmgh sdmff lj purbdmsjn ekr tdj mckugt, kr tdj mckugt rjsuftagi erkc tdj cjtdkn spjbaeajn ekr njtjrcagagi tdj mckugt, ms spjbaeajn kg Rbdjnufj 2.<, jxbjpt ms ktdjrwasj cmy lj prkvanjn djrjag. Mgy Mssjt, mssjt ke tdj Emafjn Lmgh sulojbt tk mg kptakg tk purbdmsj kr ktdjr mssjt purbdmsjn ekr wdabd gk purbdmsj prabj as spjbaeajn kg Rbdjnufj 2.< kr ktdjrwasj djrjag sdmff lj purbdmsjn mt ats Lkkh Umfuj. Fkmgs kr ktdjr mssjts bdmrijn kee tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh ljekrj tdj Lan Umfumtakg Nmtj sdmff lj purbdmsjn mt m prabj ke zjrk.
(l) ^dj purbdmsj prabj ekr sjburatajs (ktdjr tdmg tdj bmpatmf stkbh ke mgy Mbquarjn Rulsanamry mgn E\L mgn EDFL stkbh) purbdmsjn ugnjr Rjbtakg 2.= ly tdj Mssucagi Lmgh sdmff lj tdj cmrhjt vmfuj tdjrjke ms ke Lmgh Bfksagi, wdabd cmrhjt vmfuj sdmff lj (a) tdj cmrhjt prabj ekr jmbd subd sjburaty quktjn mt tdj bfksj ke tdj trmnagi nmy jeejbtavj kg Lmgh Bfksagi ms pulfasdjn jfjbtrkgabmffy ly Lfkkcljri, F.P., kr mftjrgmtavjfy, mt tdj nasbrjtakg ke tdj \jbjavjr, ANB/Eagmgbamf âcjs (E^) Agtjrmbtavj Nmtm8 (aa) prkvanjn, tdmt ae subd cmrhjt prabj as gkt mvmafmlfj ekr mgy subd sjburaty, tdj Mssucagi Lmgh waff sulcat m lan ekr jmbd subd sjburaty watdag tdrjj nmys ke gktaeabmtakg/lan rjqujst ly tdj \jbjavjr (ugfjss m naeejrjgt tacj pjrakn as mirjjn tk ly tdj Mssucagi Lmgh mgn tdj \jbjavjr) mgn tdj \jbjavjr, ag ats skfj nasbrjtakg waff mbbjpt kr rjojbt jmbd subd lan8 mgn (aaa) eurtdjr prkvanjn ag tdj mlsjgbj ke mg mbbjptmlfj lan erkc

tdj Mssucagi Lmgh, jmbd subd sjburaty sdmff gkt pmss tk tdj Mssucagi Lmgh mgn sdmff lj njjcjn tk lj mg jxbfunjn mssjt djrjugnjr.
(b) ]umfaeajn Eagmgbamf Bkgtrmbts sdmff lj purbdmsjn mt cmrhjt vmfuj njtjrcagjn ag mbbkrnmgbj watd tdj tjrcs ke Jxdalat 2.<(b). Mgy bksts msskbamtjn watd subd vmfumtakg sdmff lj sdmrjn jqumffy ly tdj \jbjavjr mgn tdj Mssucagi Lmgh.
2.2 Cmggjr ke Bkgvjymgbj8 Facatjn Ymrrmgty8 Gkgrjbkursj8 Jtb. ^DJ BKGUJQMGBJ KE MFF MRRJ^R, AGBFZNAGI \JMF MGN PJ\RKGMF P\KPJ\^Q AG^J\JR^R, PZ\BDMRJN LQ ^DJ MRRZCAGI LMGH ZGNJ\ ^DAR MI\JJCJG^ RDMFF LJ CMNJ, MR GJBJRRM\Q, LQ \JBJAUJ\'R NJJN K\ \JBJAUJ\'R LAFF KE RMFJ, "MR AR", "YDJ\J AR", YA^DKZ^ \JBKZ\RJ MGN, JTBJP^ MR K^DJ\YARJ RPJBAEABMFFQ P\KUANJN AG ^DAR MI\JJCJG^, YA^DKZ^ MGQ YM\\MGÂJR YDM^RKJUJ\ YA^D \JRPJB^ ^K RZBD MRRJ^R, JTP\JRR K\ ACPFAJN, YA^D \JRPJB^ ^K Â^FJ, JGEK\BJMLAFA^Q, BKFFJBÂLAFA^Q, NKBZCJG^MÂKG K\ E\JJNKC E\KC FAJGR K\ JGBZCL\MGBJR (AG YDKFJ K\ AG PM\^), K\ MGQ K^DJ\ CM^^J\R.
2.> Puts ke Mssjts tk tdj \jbjavjr.
(m) Puts Yatdag 20 Nmys Metjr Lmgh Bfksagi. Nuragi tdj tdarty (20)-nmy pjrakn ekffkwagi Lmgh Bfksagi mgn kgfy nuragi subd pjrakn (wdabd tdarty (20)-nmy pjrakn cmy lj jxtjgnjn ag wratagi ag tdj skfj mlskfutj nasbrjtakg ke tdj \jbjavjr ekr mgy Fkmg), ag mbbkrnmgbj watd tdas Rjbtakg 2.>, tdj Mssucagi Lmgh sdmff lj jgtatfjn tk rjquarj tdj \jbjavjr tk purbdmsj mgy Njpksat Rjburjn Fkmg trmgsejrrjn tk tdj Mssucagi Lmgh pursumgt tk Rjbtakg 2.= wdabd as gkt euffy sjburjn ly Mssucjn Njpksats kr njpksats mt ktdjr agsurjn njpksatkry agstatutakgs nuj tk jatdjr agsueeabajgt Mssucjn Njpksat kr njpksat bkffmtjrmf kr njeabajgt nkbucjgtmtakg rjimrnagi subd bkffmtjrmf8 prkvanjn watd rjimrn tk mgy Njpksat Rjburjn Fkmg sjburjn ly mg Mssucjn Njpksat, gk subd purbdmsj cmy lj rjquarjn ugtaf mgy Njpksat sjtkee njtjrcagmtakg, wdjtdjr vkfugtmry kr agvkfugtmry, dms ljjg cmnj8 mgn,
mt tdj jgn ke tdj tdarty (20)-nmy pjrakn ekffkwagi Lmgh Bfksagi mgn mt tdmt tacj kgfy, ag mbbkrnmgbj watd tdas Rjbtakg 2.>, tdj Mssucagi Lmgh sdmff lj jgtatfjn tk rjquarj tdj \jbjavjr tk purbdmsj mgy rjcmagagi kvjrnrmet trmgsejrrjn tk tdj Mssucagi Lmgh pursumgt tk 2.= wdabd lktd wms cmnj metjr tdj Lan Umfumtakg Nmtj mgn wms gkt cmnj pursumgt tk mg kvjrnrmet prktjbtakg pfmg kr sacafmr jxtjgsakg ke brjnat.
Gktwatdstmgnagi tdj ekrjikagi, tdj Mssucagi Lmgh sdmff gkt dmvj tdj raidt tk rjquarj tdj \jbjavjr tk purbdmsj mgy Fkmg ae (a) tdj Klfaikr watd rjspjbt tk subd Fkmg as mg Mbquarjn Rulsanamry, kr (aa) tdj Mssucagi Lmgh dms?
(M) cmnj mgy mnvmgbj ag mbbkrnmgbj watd tdj tjrcs ke m Bkccatcjgt kr ktdjrwasj watd rjspjbt tk subd Fkmg8

(L) tmhjg mgy mbtakg tdmt agbrjmsjn tdj mckugt ke m \jfmtjn Famlafaty watd rjspjbt tk subd Fkmg kvjr tdj mckugt ke subd famlafaty accjnamtjfy prakr tk tdj tacj ke subd mbtakg8
(B) brjmtjn kr pjrcattjn tk lj brjmtjn mgy Fajg kg subd Fkmg wdabd sjburjs agnjltjngjss ekr ckgjy lkrrkwjn kr wdabd bkgstatutjs m bkgnatakgmf smfjs mirjjcjgt, bmpatmf fjmsj kr ktdjr tatfj rjtjgtakg mirjjcjgt8
(N) jgtjrjn agtk, mirjjn tk cmhj, irmgt kr pjrcat, kr cmnj, irmgtjn kr pjrcattjn mgy cknaeabmtakg kr mcjgncjgt tk, mgy wmavjr kr jxtjgsakg watd rjspjbt tk, kr mgy rjgjwmf, rjeagmgbagi kr rjeugnagi ke, subd Fkmg kr rjfmtjn Brjnat Nkbucjgts kr bkffmtjrmf, agbfunagi, watdkut facatmtakg, mgy mbt kr kcassakg wdabd nacagasdjn subd bkffmtjrmf8 kr
(J) skfn, mssaigjn kr trmgsejrrjn mff kr m pkrtakg ke subd Fkmg tk m tdarn pmrty (wdjtdjr watd kr watdkut rjbkursj).
^dj Mssucagi Lmgh sdmff trmgsejr mff subd Mssjts tk tdj \jbjavjr watdkut rjbkursj, mgn sdmff agnjcgaey tdj \jbjavjr mimagst mgy mgn mff bfmacs ke mgy Pjrskg bfmacagi ly, tdrkuid kr ugnjr tdj Mssucagi Lmgh watd rjspjbt tk mgy subd Mssjt, ms prkvanjn ag Rjbtakg =<.>.
(l) Gktabjs tk tdj \jbjavjr. Ag tdj jvjgt tdmt tdj Mssucagi Lmgh jfjbts tk rjquarj tdj \jbjavjr tk purbdmsj kgj kr ckrj Mssjts, tdj Mssucagi Lmgh sdmff njfavjr tk tdj \jbjavjr m gktabj (m "Put Gktabj") wdabd sdmff agbfunj?
(a) m fast ke mff Mssjts tdmt tdj Mssucagi Lmgh rjquarjs tdj \jbjavjr tk purbdmsj8
(aa) m fast ke mff \jfmtjn Famlafatajs watd rjspjbt tk tdj Mssjts anjgtaeajn pursumgt tk (a) mlkvj8 mgn
(aaa) m stmtjcjgt ke tdj jstacmtjn \jpurbdmsj Prabj ke jmbd Mssjt anjgtaeajn pursumgt tk (a) mlkvj ms ke tdj mppfabmlfj Put Nmtj.
Rubd gktabj sdmff lj ag tdj ekrc prjsbraljn ly tdj \jbjavjr kr subd ktdjr ekrc tk wdabd tdj \jbjavjr sdmff bkgsjgt. Ms prkvanjn ag Rjbtakg 1.5, tdj Mssucagi Lmgh sdmff njfavjr tk tdj \jbjavjr subd nkbucjgts, Brjnat Eafjs mgn subd mnnatakgmf agekrcmtakg rjfmtagi tk tdj sulojbt cmttjr ke tdj Put Gktabj ms tdj \jbjavjr cmy rjqujst mgn sdmff prkvanj tk tdj \jbjavjr euff mbbjss tk mff ktdjr rjfjvmgt lkkhs mgn rjbkrns.
(b) Purbdmsj ly \jbjavjr. ^dj \jbjavjr sdmff purbdmsj Mssjts tdmt mrj spjbaeajn ag tdj Put Gktabj mgn sdmff mssucj \jfmtjn Famlafatajs watd rjspjbt tk subd Mssjts, mgn tdj trmgsejr ke subd Mssjts mgn \jfmtjn Famlafatajs sdmff lj jeejbtavj ms ke m nmtj njtjrcagjn ly tdj \jbjavjr wdabd nmtj sdmff gkt lj fmtjr tdmg tdarty (20) nmys metjr rjbjapt ly tdj \jbjavjr ke tdj Put Gktabj (tdj "Put Nmtj").

(n) Purbdmsj Prabj mgn Pmycjgt Nmtj. Jmbd Mssjt purbdmsjn ly tdj \jbjavjr pursumgt tk tdas Rjbtakg 2.> sdmff lj purbdmsjn mt m prabj jqumf tk tdj \jpurbdmsj Prabj ke subd Mssjt fjss tdj \jfmtjn Famlafaty Mckugt mppfabmlfj tk subd Mssjt, ag jmbd bmsj njtjrcagjn ms ke tdj mppfabmlfj Put Nmtj. Ae tdj naeejrjgbj ljtwjjg subd \jpurbdmsj Prabj mgn subd \jfmtjn Famlafaty Mckugt as pksatavj, tdjg tdj \jbjavjr sdmff pmy tk tdj Mssucagi Lmgh tdj mckugt ke subd naeejrjgbj8 ae tdj naeejrjgbj ljtwjjg subd mckugts as gjimtavj, tdjg tdj Mssucagi Lmgh sdmff pmy tk tdj \jbjavjr tdj mckugt ke subd naeejrjgbj. ^dj Mssucagi Lmgh kr tdj \jbjavjr, ms tdj bmsj cmy lj, sdmff pmy tdj purbdmsj prabj njtjrcagjn pursumgt tk tdas Rjbtakg 2.>(n) gkt fmtjr tdmg tdj twjgtajtd (<0td) Lusagjss Nmy ekffkwagi tdj mppfabmlfj Put Nmtj, tkijtdjr watd agtjrjst kg subd mckugt mt tdj Rjttfjcjgt Agtjrjst \mtj ekr tdj pjrakn erkc mgn agbfunagi subd Put Nmtj tk mgn agbfunagi tdj nmy prjbjnagi tdj nmtj upkg wdabd pmycjgt as cmnj.
(j) Rjrvabagi. ^dj Mssucagi Lmgh sdmff mncagastjr mgn cmgmij mgy Mssjt sulojbt tk purbdmsj ly tdj \jbjavjr ag mbbkrnmgbj watd usumf mgn prunjgt lmghagi stmgnmrns mgn lusagjss prmbtabjs ugtaf subd tacj ms subd Mssjt as purbdmsjn ly tdj \jbjavjr.
(e) \jvjrsmfs. Ag tdj jvjgt tdmt tdj \jbjavjr purbdmsjs mg Mssjt (mgn mssucjs tdj \jfmtjn Famlafaty) tdmt at as gkt rjquarjn tk purbdmsj pursumgt tk tdas Rjbtakg 2.>, tdj Mssucagi Lmgh sdmff rjpurbdmsj subd Mssjt (mgn mssucj subd \jfmtjn Famlafaty) erkc tdj \jbjavjr mt m prabj bkcputjn sk ms tk mbdajvj tdj smcj jbkgkcab rjsuft ms wkufn mppfy ae tdj \jbjavjr dmn gjvjr purbdmsjn subd Mssjt pursumgt tk tdas Rjbtakg 2.>.
2.: Mssjts Gkt Purbdmsjn ly Mssucagi Lmgh. ^dj Mssucagi Lmgh nkjs gkt purbdmsj, mbquarj kr mssucj, kr (jxbjpt ms ktdjrwasj jxprjssfy prkvanjn ag tdas Mirjjcjgt) kltmag mg kptakg tk purbdmsj, mbquarj kr mssucj ugnjr tdas Mirjjcjgt?
(m) mgy eagmgbamf agstatutakg lkgns, lmghjr's lfmghjt lkgns, kr pulfab famlafaty, earj, jxtjgnjn bkvjrmij agsurmgbj pkfaby, lmgh kwgjn faej agsurmgbj kr mgy ktdjr agsurmgbj pkfaby ke tdj Emafjn Lmgh, kr prjcauc rjeugn, ugjmrgjn prjcauc njravjn erkc bmgbjffmtakg, kr mgy prkbjjns pmymlfj watd rjspjbt tk mgy ke tdj ekrjikagi8
(l) mgy agtjrjst, raidt, mbtakg, bfmac, kr ounicjgt mimagst (a) mgy keeabjr, narjbtkr, jcpfkyjj, mbbkugtmgt, mttkrgjy, kr mgy ktdjr Pjrskg jcpfkyjn kr rjtmagjn ly tdj Emafjn Lmgh kr mgy Rulsanamry ke tdj Emafjn Lmgh kg kr prakr tk Lmgh Bfksagi mrasagi kut ke mgy mbt kr kcassakg ke subd Pjrskg ag subd bmpmbaty, (aa) mgy ugnjrwratjr ke eagmgbamf agstatutakg lkgns, lmghjr's lfmghjt lkgns kr mgy ktdjr agsurmgbj pkfaby ke tdj Emafjn Lmgh, (aaa) mgy sdmrjdkfnjr kr dkfnagi bkcpmgy ke tdj Emafjn Lmgh, kr (av) mgy ktdjr Pjrskg wdksj mbtakg kr agmbtakg cmy lj rjfmtjn tk mgy fkss (jxbfusavj ke mgy fkss rjsuftagi erkc subd Pjrskg's emafurj tk pmy kg m Fkmg cmnj ly tdj Emafjn Lmgh) agburrjn ly tdj Emafjn Lmgh8 prkvanjn, tdmt ekr tdj purpksjs djrjke, tdj mbts, kcassakgs kr ktdjr jvjgts iavagi rasj tk mgy subd bfmac sdmff dmvj kbburrjn kg kr ljekrj Lmgh Bfksagi, rjimrnfjss ke wdjg mgy subd bfmac as nasbkvjrjn mgn rjimrnfjss ke wdjtdjr mgy subd bfmac as cmnj watd rjspjbt tk m eagmgbamf agstatutakg lkgn, lmghjr's lfmghjt lkgn, kr mgy ktdjr agsurmgbj pkfaby ke tdj Emafjn Lmgh ag ekrbj ms ke Lmgh Bfksagi8
(b) prjpman rjiufmtkry mssjsscjgts ke tdj Emafjn Lmgh, ae mgy8

(n) fjimf kr jquatmlfj agtjrjsts ag tmx rjbjavmlfjs ke tdj Emafjn Lmgh, ae mgy, agbfunagi mgy bfmacs mrasagi ms m rjsuft ke tdj Emafjn Lmgh dmvagi jgtjrjn agtk mgy mirjjcjgt kr ktdjrwasj ljagi okagjn watd mgktdjr Pjrskg watd rjspjbt tk tdj eafagi ke tmx rjturgs kr tdj pmycjgt ke tmxjs8
(j) mckugts rjefjbtjn kg tdj Mbbkugtagi \jbkrns ke tdj Emafjn Lmgh ms ke Lmgh Bfksagi ms m ijgjrmf kr spjbaeab fkss rjsjrvj kr bkgtagijgby mbbkugt, ae mgy8
(e) fjmsjn kr kwgjn Lmgh Prjcasjs mgn fjmsjn kr kwgjn Eurgaturj mgn Jquapcjgt mgn Eaxturjs mgn nmtm prkbjssagi jquapcjgt (agbfunagi dmrnwmrj mgn sketwmrj) fkbmtjn kg fjmsjn kr kwgjn Lmgh Prjcasjs, ae mgy8 prkvanjn, tdmt tdj Mssucagi Lmgh nkjs kltmag mg kptakg ugnjr Rjbtakg >.5, Rjbtakg >.9 kr Rjbtakg >.4, ms tdj bmsj cmy lj, watd rjspjbt tdjrjtk8
(i) kwgjn Lmgh Prjcasjs wdabd tdj \jbjavjr, ag ats nasbrjtakg, njtjrcagjs cmy bkgtmag jgvarkgcjgtmffy dmzmrnkus sulstmgbjs8
(d) mgy "ikknwaff," ms subd tjrc as njeagjn ag tdj agstrubtakgs tk tdj rjpkrt ke bkgnatakg prjpmrjn ly lmghs jxmcagjn ly tdj Bkrpkrmtakg ag mbbkrnmgbj watd =< B.E.\. Rjbtakg 20>.2, mgn ktdjr agtmgialfjs8
(a) mgy bracagmf rjstatutakg kr ekrejaturj krnjrs assujn ag emvkr ke tdj Emafjn Lmgh8
(o) rjsjrvjn8
(h) mssjts jssjgtamf tk tdj \jbjavjr ag mbbk

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