hf/L ldlt M @)&$÷!)÷!

%
g]kfn ;/sf/
;xsf/L tyf ul/aL lgjf/0f dGqfno
;xsf/L ljefu
;DklQ z'4Ls/0f lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L ul/Psf]
lgb]{zg, @)&$
k|:tfjgf M ;DklQ z'4Ls/0f -dgL nfpG8l/ª_ lgjf/0f P]g, @)^$ /
;f]cGtu{t ag]sf lgodfjnLsf] k|efjsf/L sfof{Gjogåf/f ;xsf/L
;+:yfx¿df x'g] ljQLo sf/f]af/sf] :jR5tf Pjd\ kf/blz{tf sfod ub}{
;xsf/L ljQLo k|0ffnLnfO{ ;+/If0f ug{ ;DklQ z'4Ls/0f -dgL nfpG8l/ª_
lgjf/0f P]g, @)^$ sf] bkmf &k=sf] pkbkmf -@_ n] lbPsf] clwsf/ k|of]u
u/L ;xsf/L tyf ul/aL lgjf/0f dGqfnosf] :jLs[ltdf ;xsf/L ljefun]
of] lgb]{zg hf/L u/]sf] 5 .

kl/R5]b—!
k|f/lDes
!= ;+lIfKt gfd / k|f/De M -!_ o; lgb]{zgsf] gfd æ;DklQ z'4Ls/0f
lgjf/0f;DaGwL ;xsf/L ;ª\3;+:yfnfO{ hf/L ul/Psf] lgb]{zg,
@)&$Æ /x]sf] 5 .
-@_ of] lgb]{zg t'?Gt k|f/De x'g]5 .
@= kl/efiff M ljifo jf k|;Ën] csf]{ cy{ gnfu]df o; lgb]{zgdf,–
-s_ “P]g” eGgfn] ;DklQ z'4Ls/0f -dgL nfpG8l/ª_ lgjf/0f
P]g, @)^$ ;Demg'k5{ .
-v_ “sfof{no” eGgfn] ;xsf/L k|lzIf0f tyf l8lehg sfof{no
jf l8lehg ;xsf/L sfof{no ;Demg'k5{ .
-u_ “hfoh]yf” eGgfn] ;+:yfsf] kl5Nnf] cfly{s jif{sf]
n]vfk/LIf0fadf]lhd sfod /x]sf] jf;nftsf] hDdf ;DklQ
jf bfloTj ;Demg'k5{ .
-3_ “lgodfjnL” eGgfn] ;DklQ z'4Ls/0f -dgL nfpG8l/ª_
lgjf/0f lgodfjnL, @)&# ;Demg'k5{ .
-ª_ “k|d'v sfo{sf/L clws[t” eGgfn] ;+:yfsf] b}lgs
sfo{;~rfng lgoGq0f ug]{ clGtd lhDd]jf/L ePsf] sfo{sf/L
1
 ;~rfns, sfo{sf/L lgb]{zs, dxfk|aGws, Joj:yfks jf
To:t} kbsf] sd{rf/L ;Demg'k5{ / ;f] zAbn] ;+:yfsf]
sfo{sf/L k|d'vsf] ¿kdf sfd ug]{ cGo kbflwsf/L;d]tnfO{
hgfpF5 .
-r_ “dGqfno” eGgfn] ;xsf/L tyf ul/aL lgjf/0f dGqfno
;Demg'k5{ .
-5_ “/lhi6«f/” eGgfn] ljefusf] /lhi6«f/ ;Demg'k5{ .
-h_ “ljQLo hfgsf/L OsfO{” eGgfn] P]gsf] bkmf ( adf]lhdsf]
ljQLo hfgsf/L OsfO{ ;Demg'k5{ .
-em_ “ljlgod” eGgfn] ;+:yfsf] ljlgod ;Demg'k5{ .
-`_ “ljefu” eGgfn] ;xsf/L ljefu ;Demg'k5{ .
-6_ “;ª\3” eGgfn] ;xsf/L P]g, @)&$ cGtu{t btf{ ePsf]
lhNnf ljifout ;xsf/L ;ª\3, lhNnf ;xsf/L ;ª\3, k|b]z
ljifout ;xsf/L ;ª\3, k|b]z ;xsf/L ;ª\3, s]Gb|Lo
ljifout ;xsf/L ;ª\3 jf ljlzi6Ls[t ;xsf/L ;ª\3
;Demg'k5{ / ;f] zAbn] /fli6«o ;xsf/L dxf;ª\3;d]tnfO{
hgfpF5 .
-7_ “;b:o” eGgfn] ;+:yfsf] ;b:o ;Demg'k5{ / ;f] zAbn]
lgodfjnLsf] lgod @ sf] v08 -v_ adf]lhdsf]
JolQm;d]tnfO{ hgfpF5 .
-8_ “;+:yf” eGgfn] ;xsf/L P]g, @)&$ cGtu{t btf{ ePsf]
;xsf/L ;+:yf ;Demg'k5{ / ;f] zAbn] ;ª\3 tyf ;xsf/L
a}ª\s;d]tnfO{ hgfpF5 .

kl/R5]b—@
;b:o klxrfg tyf ;Dk'li6;DaGwL Joj:yf
#= ;b:o klxrfg M -!_ ;+:yfn] ;b:o tyf ;b:o x'g OR5's JolQmsf]
P]gsf] bkmf &s= / lgodfjnLsf] lgod $ tyf % adf]lhd klxrfg
tyf ;f]sf] ;Dk'li6 ug'{'kg]{5 .
-@_ ;+:yfn] pkbkmf -!_ adf]lhd lng] sfuhft tyf ljj/0fsf]
;fdfGo ;"rL b]xfoadf]lhd x'g]5 M–
2
 -s_ art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yf btf{sf]
cfj]bg lbg] JolQm / ;b:osf] cg';"rL–! adf]lhd,
-v_ art tyf C0fsf] d'Vo sf/f]af/ ug]{ ;+:yf btf{sf]
cfj]bg lbg] JolQm / ;b:osf] cg';"rL–@ adf]lhd,
-u_ ;xsf/L ;+:yf / ;xsf/L P]g, @)&$ sf] bkmf #) sf]
pkbkmf -@_ adf]lhdsf] ;ª\3;+:yf jf lgsfo eP
cg';"rL–# adf]lhd .
-#_ ;+:yfn] ;b:osf] klxrfg tyf ;Dk'li6 ubf{ jf:tljs wgL
tyf lxtflwsf/L eP ;f]sf] ;d]t klxrfg ug'{kg]{5 .
-$_ ;+:yfn] ;b:osf] klxrfg ubf{ k|fs[lts JolQmsf] xsdf
lghsf] NofKr] 5fk / ;xsf/L P]g, @)&$ sf] bkmf #) sf]
pkbkmf -@_ adf]lhdsf ;b:osf xsdf cflwsfl/s 5fk /
vftf ;~rfnssf] NofKr] 5fk;d]t lng'kg]{5 .
-%_ cleefjs jf ;+/Ifssf] x}l;otn] s;}n] afnart vftfdf
art hDdf u/]sf] /x]5 eg] To:tf] cleefjs jf ;+/Ifssf]
NofKr] 5fk lng''kg]{5 .
$= cgf}krfl/s ¿kdf a'‰g ;Sg] M bkmf # adf]lhd ;b:osf] klxrfg
tyf ;f]sf] ;Dk'li6 ubf{ ;+:yfn] cfjZostfg';f/ hflgkmsf/ ;b:o,
l5d]sL jf cGo e/kbf]{ ;|f]taf6 cgf}krfl/s ¿kdf ;d]t a'‰g
;Sg]5 .
%= ;"rLs[t JolQm;DaGwL Joj:yf M ;+:yfn] ;b:o klxrfgnufot
cGo sfd–sf/f]af/ ubf{ P]gsf] kl/R5]b ^v= tyf ;DklQ z'4Ls/0f
-dlg nfpG8l/ª_ lgjf/0f -;"rLs[t JolQm, ;d"x jf ;ª\u7gsf]
;DklQ jf sf]if /f]Ssf_ lgodfjnL, @)&) adf]lhdsf Joj:yfsf]
k|efjsf/L kfngf ;'lglZrt ug'{kg]{5 .
^= ;b:otf lbg gx'g] M ;+:yfn] P]gsf] bkmf &s= sf] pkbkmf -$_ df
plNnlvt pkfo;d]taf6 gfd, 7]ufgf, k];f, kl/jf/ /
/xg;xgnufotsf] hfgsf/L geO{ s;}nfO{ klg ;b:otf lbg'
x'Fb}g .
&= :jod\ pkl:yt x'g'kg]{ M bkmf # sf] pkbkmf -@_ adf]lhdsf] ljj/0f
tyf sfuhft k]; ubf{ jf ;f]df ePsf] kl/jt{gsf] ;"rgf lbFbf
;DalGwt JolQm :jod\ pkl:yt x'g'kg]{5 .
3
*= pRr kb:y JolQmsf] klxrfg;DaGwL ljz]if Joj:yf M -!_ ;+:yfn]
P]gsf] bkmf &v= adf]lhd pRr kb:y JolQmsf] klxrfg tyf
hf]lvd Joj:yfkg ubf{ b]xfoadf]lhdsf pkfo;d]t cjnDag
ug'k{ g]{5 M–
-s_ ;b:osf] ljj/0f lgoldt ¿kn] cBfjlws ug]{,
-v_ pRr kb:y JolQm yk36 ePsf] cj:yfdf tTsfn
klxrfg ug]{,
-u_ pRr kb:y JolQmsf] kl/jf/ tyf ;Da4 JolQm
klxrfg ug]{,
-3_ pRr kb:y JolQmsf] kbLo x}l;ot /
;+nUgtfadf]lhdsf] hf]lvd klxrfg ug]{ .
-@_ pRr kb:y JolQmsf] klxrfg ubf{ b]xfoadf]lhdsf
k|ls|ofx¿ cjnDag ug{ ;lsg]5 M–
-s_ ;b:oaf6 ;"rgf lng],
-v_ ;fj{hlgs ¿kdf pknAw ;"rgf u|x0f ug]{,
-u_ ;fdflhs ;~hfndf pknAw ;"rgfsf] ljZn]if0f ug]]{,
-3_ Jofj;flos ¿kdf pknAw tYofª\s lng] .
-#_ pRr kb:y JolQmsf] clen]v lgh kbaf6 cjsfz jf d'Qm
ePsf] ldltn] kfFr jif{;Dd sfod /fVg'kg]{5 .
t/ ;+:yfn] hf]lvdnfO{ cfwf/ dfgL ;f] cjlwnfO{ a9fpg ;Sg]5 .
(= ljBdfg ;b:osf] klxrfg tyf ;Dk'li6;DaGwL Joj:yf M -!_
;+:yfn] P]g, lgodfjnL / of] lgb]{zgadf]lhd ljBdfg ;b:osf]
klxrfg tyf ;Dk'li6 lj= ;+= @)&% r}q d;fGtleq b]xfoadf]lhd
ug'{kg]{5 M–
-s_ pRr hf]lvdsf] xsdf of] lgb]{zg hf/L ePsf] ldltn]
( dlxgfleq,
-v_ cGo hf]lvdsf] xsdf ;+:yfn] to u/]sf]
k|fyldstfcg';f/ .
-@_ ;+:yfn] ;b:osf] klxrfg b]xfoadf]lhd lgoldt ¿kdf
cBfjlws ug{'kg]{5 M–
-s_ pRr hf]lvd ePsf ;b:osf] xsdf sDtLdf jif{df !
k6s,
4
 -v_ dWod hf]lvd ePsf ;b:osf] xsdf sDtLdf @
jif{df ! k6s,
-u_ Go"g hf]lvd ePsf ;b:osf] xsdf sDtLdf # jif{df
! k6s,
-#_ ;+:yfnfO{ hf]lvddf tflŒjs km/s k/]sf] nfu]df
hf]lvd;fk]If x'g] u/L pkbkmf -#_ df plNnlvt cjlwcufj}
klxrfg cBfjlws ug{'kg]{5 .
!)= jf:tljs wgLsf] klxrfg M -!_ ;+:yfn] P]gsf] bkmf &u= /
lgodfjnLsf] lgod ^ adf]lhd jf:tljs wgLsf] klxrfg ubf{
b]xfoadf]lhdsf pkfo;d]t cjnDag ug'{kb{5 M–
-s_ ;b:on] k]; u/]sf] ljj/0f, sf/f]af/ / lghsf] x}l;ot
ldN5, ldNb}g <
-v_ ;b:osf] sfd–sf/f]af/pk/ cGo s'g} JolStsf] s''g}
lsl;dsf] k|efj jf :jfy{ x'g ;Sg] cj:yf 5, 5}g <
-u_ ;b:osf] k'Vof}{nL tyf jt{dfg cfly{s cj:yf
:jfefljs b]lvG5, b]lvFb}g <
-3_ ;b:o / lgh;Fu ;Da4 JolQmsf] af/]df ;fj{hlgs
¿kdf pknAw ;"rgf;Fusf] tfbfTDo 5, 5}g <
-ª_ ;+:yfn] to u/]sf cGo pkfo .
-@_ ;+:yfn] jf:tljs wgL klxrfg ug]{, lghx¿sf] sf/f]af/
cg'udg ug]{ tyf To:tf] sfo{ ug]{ k|efjsf/L] Joj:yf
ldnfpg'kg]{5 .
!!= ;b:osf] a[xt\ klxrfg;DaGwL Joj:yf M -!_ ;+:yfn] P]gsf] bkmf
&ª= / lgodfjnLsf] lgod * adf]lhd b]xfosf ;b:osf] ;d]t
a[xt\ k4ltaf6 klxrfg ug'{kg]{5 M–
-s_ ljB'tLo dfWodaf6 sf/f]af/ ug]{ ;b:o,
-v_ e|i6frf/, s/ 5nLnufot cGo cfk/flws sfo{sf
b[li6n] pRr hf]lvddf /x]sf] ;b:o,
-u_ pRr cfly{s sf/f]af/ ug]{ ;b:o,
:ki6Ls/0f M o; v08sf] k|of]hgsf nflu pRr cfly{s sf/f]af/
ug]{ ;b:o eGgfn] ?= #) nfveGbf a9L art u/]sf] jf ;]o/ vl/b
u/]sf] jf C0f lnPsf] ;b:o ;Demg'k5{ .
5
 -3_ ;+:yfn] a[xt\ klxrfg ug{ cfjZos b]v]sf] cGo
;b:o .
-@_ pkbkmf -!_ df plNnlvt ;b:o tyf lgh;Fu ;Da4
JolSt;Fu sf/f]af/ ubf{ lgodfjnLsf] lgod * df plNnlvt
pkfox¿sf] cltl/Qm b]xfosf pkfox¿ cjnDag
ug'{kg]{5 M–
-s_ ;DklQsf] ;|f]t klxrfg ug{ cf}krfl/s jf
cgf}krfl/s ¿kdf ;"rgf ;ª\sng ug]{,
-v_ v08 -s_ adf]lhd k|fKt ;"rgfsf] hfFra'em ug]{ /
lgisif{cg'¿k cfjZos sfo{ ug]{,
-u_ sf/f]af/sf] cg'udgsf nflu ;Ldf lgwf{/0f ug{] .
!@= ;/nLs[t ;b:o klxrfg;DaGwL Joj:yf M ;+:yfn] P]gsf] bkmf
&r= / lgodfjnLsf] lgod ( adf]lhd ;/nLs[t ¿kdf klxrfg
ul/Psf ;b:ox¿sf] ljj/0f 5'§} ;d]t /fVg'kg]{5 .
!#= hf]lvd Joj:yfkg ug'{kg]{ M -!_ ;+:yfn] P]gsf] bkmf &3= adf]lhd
hf]lvd klxrfg, d"Nofª\sg tyf Joj:yfkg ubf{ pQm bkmfdf
plNnlvt cfwf/sf cltl/Qm b]xfosf cfwf/;d]t lng'kg]{5 M–
-s_ /fli6«o tyf If]qut hf]lvd d"Nofª\sg,
-v_ P]gdf plNnlvt ljifodf cGt/f{li6«o ¿kdf ePsf]
cWoog tyf cg';Gwfg k|ltj]bg,
-u_ ;b:o tyf ;Da4 JolQmsf] cfly{s cj:yf tyf
k[i7e"ld,
-3_ kbLo jf cGo k|efjfjl:ylt jf cgu| :jfldTjsf]
cj:yf,
-ª_ k]; ePsf ljj/0f, k|of]u ug{ rfx]sf] jf u/]sf]
pTkfbg jf ;]jf, ljt/0f dfWod tyf sf/f]af/x¿sf]
:jfefljstf, ljZj;gLotf / tfbfTDo,
-r_ ;b:osf] cfly{s jf cGo cj:yfdf cfPsf] kl/jt{g,
-5_ ;b:o /x]sf] jf ;b:osf] sfd–sf/f]af/ ePsf]
:yfgsf] ljz]iftf,
-h_ ;+:yfn] pko'Qm b]v]sf cGo cfwf/ .

6
 -@_ ;+:yfn] hf]lvdsf] juL{s/0f ubf{ pRr, dWod / Go"g hf]lvd
:t/df ug'{kg]{5 .
-#_ ;+:yfn] hf]lvd d"Nofª\sg b]xfoadf]lhd cBfjlws
ug{'kg]{5 M–
-s_ pRr hf]lvd ePsf ;b:osf] xsdf sDtLdf jif{sf] !
k6s,
-v_ dWod hf]lvd ePsf ;b:osf] xsdf sDtLdf @
jif{sf] ! k6s,
-u_ Go"g hf]lvd ePsf ;b:osf] xsdf sDtLdf # jif{sf]
! k6s .
-$_ ;+:yfn] hf]lvd Joj:yfkgsf nflu cfjZos, gLltut,
sfo{ljlwut tyf lgoGq0ffTds Joj:yf ldnfpg'kg]{5 .
!$= c;fdfGo sf/f]af/ dfGg'kg]{ M ;+:yfn] b]xfosf] sf/f]af/nfO{
c;fdfGo sf/f]af/ dfGg'kg]{5 M–
-s_ lrQa'‰bf] cfwf/ ePsf] afx]s Ps}kN6 jf k6s–k6s
u/L jflif{s ?= #) nfveGbf a9Lsf] art hDdf jf
shf{ e'QmfgL,
-v_ Ps}kN6 jf k6s–k6s u/L jflif{s ?= #) nfveGbf
a9Lsf] ljk|]if0f -/]ld6\ofG;_ jf /sd :yfgfGt/0f -dgL
6«fG;km/_,
-u_ Ps}kN6 jf k6s–k6s u/L jflif{s ?= #) nfveGbf
a9Lsf] ;]o/ vl/b,
-3_ ;Ldf sf/f]af/ k|ltj]bg 5Ng] dg;fon] x'g]
sf/f]af/ .
!%= ;Ldf sf/f]af/sf] ;|f]t v'nf;f lng'kg]{ M ;+:yfn]] ?= !) nfv jf
;f]eGbf a9Lsf] b]xfosf] sf/f]af/ ubf{ ;DalGwt ;b:o jf
JolStaf6 ;|f]t v'nf;f lng'kg]{5 M–
-s_ ;+:yfsf] ;]o/ vl/b ubf{,
-v_ ;+:yfdf art hDdf ubf{,
-u_ ;+:yfaf6 lnPsf] C0fsf] ;fFjf, Jofh e'StfgL ubf{,
-3_ ljk|]if0f -/]ld6\ofG;_ jf :yfgfGt/0f -6«fG:km/_ sf] /sd
e'StfgL lnFbf, vftfdf hDdf jf vftf;f/ ubf{ .
7
!^= lg/Gt/ cg'udg ug{'kg]{ M ;+:yfn] P]gsf] bkmf &em= adf]lhd
lg/Gt/ cg'udg ubf{ pRr hf]lvddf juL{s[t ePsf ;b:o tyf
sf/f]af/nfO{ k|fyldstf lbg'kg]{5 .
!&= sf/f]af/ ug{ gx'g] M ;+:yfn] P]gsf] bkmf ^ / &0f= df plNnlvt
JolStsf cltl/St ;b:otf klxrfgsf cfwf/ k"/f gePsf
JolSt;Fu sf/f]af/ ug'{ x'Fb}g .
!*= ;'/IffTds pkfo cjnDag ug{'kg]{ M ;+:yfn] P]gsf] bkmf &6=
adf]lhd gofF k|ljlwaf6 jf JolQm pkl:yt geO{ sf/f]af/ ;~rfng
ubf{ / ;f]sf nflu sfo{ljlw lgdf{0f ubf{ hf]lvdsf] ;d'lrt
Joj:yfkg x'g] u/L cfjZos pkfox¿ cjnDag ug{'kg]{5 .
!(= ;Ldf sf/f]af/sf] k|ltj]bg M -!_ ;+:yfn] P]gsf] bkmf !)s=
adf]lhdsf] ;Ldf sf/f]af/ -y|]:xf]N8 6«fGh]S;g_ ;DaGwL k|ltj]bg
To:tf] sf/f]af/ ;DkGg ePsf] ldltn] !% lbgleq ljQLo hfgsf/L
OsfO{n] tf]s]adf]lhdsf] 9fFrf -xfn tf]lsPsf] 9fFrf cg';"rL-$ df
lbOPsf]_ df ljQLo hfgsf/L OsfO{df lbg'kg]{5 .
:ki6Ls/0f M– o; bkmfsf] k|of]hgsf nflu ;Ldf sf/f]af/ -y|]:xf]N8
6«fGh]S;g_ eGgfn] g]kfn /fi6« a}ª\sn] tf]s]sf] b]xfosf] sf/f]af/nfO{
;Demg'k5{ M–
-s_ s'g} ;b:on] Ps} k6s jf k6s–k6s u/L Ps lbgdf
u/]sf] ?= !) nfv jf ;f]eGbf a9L /sdsf] sf/f]af/ /
-v_ s'g} ;b:o jf JolQmnfO{ Ps} k6s jf k6s–k6s u/L
Ps lbgdf u/]sf] ?= !) nfv jf ;f]eGbf a9L /sd
a/fa/sf] ljB'tLo jf cGo :yfgfGt/0f tyf e'QmfgL .
-@_ o; bkmfdf cGoq h'g;'s} s'/f n]lvPsf] eP tfklg ;+:yfn]
;xsf/L P]g, @)&$ adf]lhd ;+:yf;Fu sf/f]af/ ug{ kfpg]
;/sf/L sfof{no, ljz]if P]gcGtu{t :yflkt lgsfo;Fusf]
sf/f]af/ / ;+:yfn] cfˆgf] sd{rf/LnfO{ k|rlnt
sfg'gadf]lhd shf{ ;fk6L jf ;'ljwf k|bfg u/]sf] s/f]af/sf]
ljj/0f ljQLo hfgsf/L OsfO{df k7fpg cfjZos x'g]5}g .
t/ 5"6 lbOPsf] pQm s/f]af/x¿sf] xsdf zª\sf:kb sf/f]af/sf]
klxrfg ug{ / ;f]adf]lhdsf] ljj/0f tof/ u/L ljQLo hfgsf/L
OsfO{df k7fpg 5"6 lbOPsf] dflgg]5}g .
8
@)= zª\sf:kb sf/f]af/ ;DaGwdf M -!_ ;+:yfn] P]gsf] bkmf &9= df
plNnlvt vf; sf/f]af/sf ;DaGwdf ljz]if Wofg lbg] k|0ffnLsf]
ljsf; u/L nfu"" ug{k' g]{5 .
-@_ ;+:yfn] P]gsf] bkmf &w= adf]lhdsf cj:yfx¿ ljBdfg
ePdf zª\sf:kb sf/f]af/;DaGwL k|ltj]bg ljQLo hfgsf/L
OsfO{n] tf]s]adf]lhdsf] 9fFrf -xfn tf]lsPsf] 9fFrf
cg';"rL-% df lbOPsf]_ df tof/ u/L # lbgleq ljQLo
hfgsf/L OsfO{;dIf k]; ug{'kg]{5 tyf To:tf] k|ltj]bg
tof/ ubf{ ljQLo hfgsf/L OsfO{n] hf/L u/]sf
dfgb08x¿nfO{ cfwf/ dfGg'kg]{5 .
-#_ cg';Gwfg ug]{ lgsfox¿af6 cg';Gwfgsf l;nl;nfdf s'g}
JolQm jf ;+:yfsf] ljj/0f jf ;""rgf dfu u/]sf] cj:yfdf
zª\sf:kb b]lvg] gofF tYo jf ljifo hfgsf/Ldf cfPsf]
cj:yfdf afx]s ljQLo hfgsf/L OsfO{nfO{ ;"lrt ug{
cfjZos x'g] 5}g .
t/ To:tf] JolQm jf ;+:yf tyf sf/f]af/;DaGwL ljj/0f dfu
ul/Psf] cj:yfdf pknAw u/fpg ;Sg] u/L tof/ u/L
/fVg'kg]{5 .
@!= ljQLo hfgsf/L OsfO{sf] lgb]{zg kfngf ug{'kg]{ M ;+:yfn] ljQLo
hfgsf/L OsfO{n] hf/L u/]sf] ;Ldf sf/f]af/ tyf zª\sf:kb
sf/f]af/;DaGwL lgb]{zg tyf dfu{bz{gsf] kfngf ug{'kg]{5 .

kl/R5]b–#
lhDd]jf/L
@@= ;+:yfsf] lhDd]jf/L M P]g, lgodfjnL / of] lgb]{zgadf]lhd ;+:yfn]
k"/f ug'{kg]{ bfloTj k|efjsf/L ¿kdf k"/f ug{, u/fpg cfjZos
gLlt, sfo{ljlw, lgoGq0f k|0ffnL, hgzlQm, ;fwg, ;|f]t;d]tsf]
;d'lrt Joj:yf ldnfpg] lhDd]jf/L ;~rfns ;ldltsf] x'g]5 .
@#= k|d'v sfo{sf/L clws[tsf] lhDd]jf/L x'g] M P]g, lgodfjnL / of]
lgb]{zgadf]lhd ;+:yfn] k"/f ug'{kg]{ bfloTj k"/f ug{ cfjZos
Joj:yfksLo lhDd]jf/L k|d'v sfo{sf/L clws[tsf] x'g]5 .

9
@$= sfof{Gjog clwsf/L M -!_ ;+:yfsf] ;~rfns ;ldltn] P]gsf] bkmf
&t= sf] pkbkmf -#_ adf]lhd P]g, lgodfjnL / ;f]cGtu{t hf/L
lgb]{lzsfadf]lhdsf] bfloTj k"/f ug{ Joj:yfkg:t/sf] sfof{Gjog
clwsf/L -sDKnfoG; clkm;/_ lgo'Qm ug'{kg]{5 .
-@_ pkbkmf -!_ adf]lhd sfof{Gjog clwsf/Lsf] lgo'lQm
geP;Ddsf nflu k|d'v sfo{sf/L clws[tn] g} sfof{Gjog
clwsf/Lsf] ;d]t lhDd]jf/L axg ug'{kg]{5 .
-#_ ;+:yfn] sfof{Gjog clwsf/Lsf] gfd, 7]ufgf, of]Uotf, ;Dks{
gDa/, 'Od]n' nufotsf ljj/0f ljQLo hfgsf/L OsfO{ /
ljefu;dIf k]; ug'{sf ;fy} sfof{Gjog clwsf/L kl/jt{g
ePdf jf lghsf] ljj/0fdf kl/jt{g ePdf ;f]sf] ;d]t
hfgsf/L k7fpg'kg]{5 .
-$_ ;+:yfn] sfof{Gjog clwsf/Ln] P]gsf] bkmf &t= sf] pkbkmf
-$_ df plNnlvt sfd, st{Jo / clwsf/sf cltl/Qm
b]xfosf sfo{x¿ ;d]t ;Dkfbg ug]{] u/L tf]Sg'kg]{5 M–
-s_ P]g, lgodfjnL / o; lgb]{zgadf]lhdsf] sfo{
k|efjsf/L agfpg ;Dks{–laGb' -kmf]sn KjfOG6_ sf]
¿kdf sfd ug]{,
-v_ P]g, lgodfjnL / o; lgb]{zgadf]lhdsf] sfo{
k|efjsf/L ¿kdf ug{ gLlt, sfo{ljlw / k|0ffnLsf]
d:of}bf th'{df u/L k]; ug]{,
-u_ sd{rf/L jf cGo ;|f]tjf6 P]g, lgodfjnL / o;
lgb]{zgadf]lhd k|fKt c:jfefljs jf zª\sf:kb
sf/f]af/;DjGwL ;"rgf ljZn]if0f tyf hfFra'em ug]{,
-3_ cfˆgf] sfo{ ;Dkfbg ug{ ;+:yfsf cGo ljefu jf
kbflwsf/L;Fu ljz]if1 ;]jf lng jf cfjZos h'g;'s}
sfuhft, ljj/0f jf ;"rgf lgaf{w ¿kdf h'g;'s}
avt k|fKt ug{ ;Sg],
-ª_ P]g, lgodfjnL tyf o; lgb]{zgadf]lhdsf] ljifo
sfof{Gjog eP, gePsf] cg'udg u/L k|ltj]bg k];
ug]{ .

10
 -$_ sfof{Gjog clwsf/LnfO{ ;xof]u ug{ ;+:yfn] cfjZos
sd{rf/Lx¿sf] Joj:yf;d]t ug'{kg]{5 .
-%_ sfof{Gjog clwsf/Ln] P]g, lgodfjnL tyf o;
lgb]{zgadf]lhdsf] ljifo sfof{Gjog ug]{ l;nl;nfdf dfu
u/]sf] cfjZos ;"rgf, hfgsf/L, sfuhft, clen]v jf
ljj/0f pknAw gu/fpg] ;DalGwt ;+:yfsf kbflwsf/L jf
sd{rf/LnfO{ sf/afO{sf] l;kmfl/; ug'{kg]{5 / ;f]
l;kmfl/;adf]lhd ;DalGwt ;+:yfn] sf/afO{ u/L ;f]sf]
hfgsf/L ljQLo hfgsf/L OsfO{ tyf ljefunfO{
u/fpg'kg]{5 .
-^_ ;+:yfsf] ;~rfns ;ldltn] sDtLdf 5 dlxgfdf Ps k6s
P]g, lgodfjnL / o; lgb]{zgadf]lhd eP, u/]sf sfd–
sf/afO{sf] ;dLIff ug'{kg]{5 .
-&_ P]g, lgodfjnL / o; lgb]{zgsf] kfngf k|efjsf/L Pj+
kl/0ffdd'vL agfpgsf nflu ;+:yfn] cfˆgf ;b:o,
;~rfns ;ldltsf ;b:ox¿ tyf pRr Joj:yfkg /
sd{rf/Lx¿sf] Ifdtf ljsf;sf nflu cfjZos Joj:yf
ldnfpg'kg]{5 .
@%= sfo{ljefhg u/L lhDd]jf/L tf]Sg ;Sg] M -!_ k|d'v sfo{sf/L
clws[tn] P]g, lgodfjnL / of] lgb]{zgadf]lhd ;+:yfn] ;Dkfbg
ug'{kg]{ sfo{x¿ dftxtsf sd{rf/Lx¿df ljefhg u/L ;Dkfbgsf]
lhDd]jf/L;d]t tf]Sg ;Sg]5 .
-@_ pkbkmf -!_ df hg';'s} s'/f n]lvPsf] eP tfklg P]gsf] bkmf
&t= sf] pkbkmf -$_, lgodfjnL tyf o; lgb]{zgadf]lhd
sfof{Gjog clwsf/Lsf] e"ldsfdf k|lts"n c;/ kg]{ u/L
sfo{ljefhg jf lhDd]jf/L lgwf{/0f ug'{ x'Fb}g .
@^= uf]kgLotf sfod ug'{kg]{ M -!_ sfof{Gjog clwsf/Ln] P]g,
lgodfjnL tyf o; lgb]{zgadf]lhd tof/ jf k]; u/]sf] ;Ldf jf
zª\sf:kb sf/f]af/sf] k|ltj]bgsf] ;"rgf jf hfgsf/L ljQLo
hfgsf/L OsfO{afx]s cGo s;}nfO{ lbg' x'Fb}g .
t/ k|ltj]bg / k|ltj]bgdf plNnlvt gfd, gfd];Lafx]s cGo
ljj/0f ljefu, sfof{no jf k|rlnt sfg''gadf]lhd
11
 clwsf/k|fKt clwsf/Ln] dfu u/]sf avt pknAw u/fpg
o; bkmfdf n]lvPsf] s'g} s'/fn] afwf k'¥ofPsf] dflgg]5}g .
-@_ ;+:yfsf] kbflwsf/L, sd{rf/L, ;Nnfxsf/ jf n]vfk/LIfsn]
cfˆgf] sfo{;Dkfbgsf l;nl;nfdf k|fKt ;"rgf jf hfgsf/L
;DalGwt jf cGo s'g} JolStnfO{ s'g} ta/n] k|s6 gu/L
uf]Kotf sfod /fVg'kg]{5 .
-#_ P]g, lgodfjnL tyf o; lgb]{zgadf]lhd uf]kgLotf sfod
ug{'kg]{ ljifosf ;Gbe{df P]gsf] bkmf #& adf]lhd arfp x'g]
cj:yfafx]s sf]xL s;}n] uf]kgLotf;DaGwL Joj:yf kfngf
gu/]df P]gsf] bkmf $$s= tyf k|rlnt sfg'gadf]lhd
;hfo x'g]5 .
@&= cfGtl/s sfo{ljlwsf] :jLs[lt M -!_ P]g, lgodfjnL / of]
lgb]{zgadf]lhd ;Dkfbg ug'{kg]{ sfo{x¿sf] k|efjsf/L ;Dkfbgsf
nflu P]gsf] bkmf &t= sf] pkbkmf -!_ nufot P]g, lgodfjnL / of]
lgb]{zgdf /x]sf cGo Joj:yfx¿ k|efjsf/L ¿kdf sfof{Gjog ug{
;+:yfn] cfGtl/s gLlt tyf sfo{ljlw th'{df u/L ;fwf/0f ;efaf6
kfl/t u/fO{ nfu" ug{'kg{]5 .
-@_ pkbkmf -!_ adf]lhd ;+:yfn] cfGtl/s gLlt th{'df ubf{
b]xfosf ljifo;d]t ;dfj]z ug{'kg]{5 M-
-s_ ;xsf/L bz{g, l;4fGt, d"No, dfGotf /
ljlwJojxf/sf] k|rng,
-v_ ;DklQ z'4Ls/0f, cftª\sjfbL lqmofsnfkdf ljQLo
nufgL tyf ;Da4 ck/fw lgjf/0f k|0ffnLsf]
k|efjsf/L sfof{Gjogsf nflu ;+:yfut ;+/rgf tyf
k|efjsfl/tf;DaGwL Joj:yf / /0fgLlt,
-u_ ;b:o, k|ltlglw / sd{rf/Lx¿df pRrtd g}lts
dof{bf:t/ -Olysn :6\ofG8;{_ sf] ck]Iff, e'm§f
ljj/0fsf] 3f]if0ff -kmN; 8]Sn]/];g_ / ljrngdf z"Go
;lxi0f'tf,
-3_ P]g, lgodfjnL tyf of] lgb]{zgsf Joj:yfsf]
sfof{Gjogdf ;fwf/0f ;b:o, ljleGg kbdf lgjf{lrt
12
 kbflwsf/L Pj+ sd{rf/Lx¿nfO{ :jtGq, lgeL{s Pj+
cu|tfk"0f{ 9ª\un] ;"rgf lbg, k|ltj]bg ug{ / cGo
¿kdf st{Jo kfngf ug{ k|f]T;fxg Pj+ ;+/If0f,
-ª_ ;DklQ z'4Ls/0f tyf cftª\sjfbL lqmofsnfkdf
ljQLo nufgL lgjf/0fdf ;+:yfsf] bfloTjsf ;DaGwdf
;b:o ;"rgf, lzIff, ;~rf/ ultljlwx¿sf ;fy}
sd{rf/Lx¿sf] bIftf ljsf;df nufgL /
-r_ PsLs[t Joj:yfkg ;"rgf k|0ffnLdf cfa4tf,
lgoldt k|ltj]bg Pj+ cu|tfk"0f{ kl/kfngf;d]taf6
;+:yfsf] lg/Gt/ 5lj k|If]k0f .
-#_ pkbkmf -!_ adf]lhd ;+:yfn] cfGtl/s sfo{ljlw th{'df ubf{
b]xfosf ljifo;d]t ;dfj]z ug'{kg]{5 M–
-s_ cfGtl/s lhDd]jf/L tyf sfo{ljefhg,
-v_ ;b:osf] klxrfg tyf cBfjwLs/0f,
-u_ hf]lvd d"Nofª\sg tyf Joj:yfkg,
-3_ cg'udg k4lt,
-ª_ c:jfefljs, c;fdfGo tyf zª\sf:kb sf/f]af/sf]
klxrfg tyf k|ltj]bg k4lt,
-r_ ;+:yfsf] ;~rfns ;ldlt, n]vfk/LIfsnufot cGo
kbflwsf/L tyf sd{rf/Ln] lgoldt ¿kdf ;Dkfbg
ug{'kg]{ sfo{sf nflu sfo{ljifo -kf]6{kmf]lnof]_
cg';f/sf] cfjZos hfFr;"rL -r]s lni6_,
-5_ sfutkqsf] lxkmfht, ;"rgf ;+/If0f, ;+/rgfdf kx'Fr
lgoGq0f, k|rlnt sfg'gadf]lhd dfu ePsf ;"rgf
lbg] k|lqmofx¿sf] :yfkgf Pj+ clen]vsf nflu
cfjZos ef}lts ;'ljwf tyf pks/0fsf] lgwf{/0f ug]{
Joj:yf,
-h_ st{Jo kfngfdf nfkaf{xL ug]{ sd{rf/Lpk/
cg'zf;gsf] sf/afO{,
-em_ cfGtl/s lgoGq0f, ;'kl/j]If0f, k|ltj]bg / ;dLIff,
-`_ clen]v;DaGwL Joj:yf /
-6_ cGo cfjZos ljifo .
13
@*= k|ltj]bg k7fpg'kg]{ M -!_ ;+:yfn] of] lgb]{zgadf]lhd ;Dkfbg u/]sf
sfo{x¿sf] rf}dfl;s k|ltj]bg cg';"rL–^ sf] 9fFrfdf pQm cjlw
JotLt ePsf] & lbgleq sfof{nodf k7fpg'kg]{5 .
t/ art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yfsf ;fy} ?=
kfFr s/f]8eGbf sd hfoh]yf ePsf ;+:yfn] jflif{s ¿kdf
cg';"rL–^ adf]lhdsf] k|ltj]bg pQm cjlw JotLt ePsf] &
lbgleq k7fpg'kg]{5 .
-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg /fli6«o
;xsf/L dxf;ª\3 jf s]Gb|Lo ;xsf/L ;ª\3 / ;xsf/L]
a}ª\sn] ljefun] tf]s]sf] 9fFrfdf ljefudf rf}dfl;s cjlw
JotLt ePsf] & lbgleq rf}dfl;s k|ltj]bg k7fpg'kg]{5 .
-#_ sfof{non] pkbkmf -!_ adf]lhd k|b]z, lhNnf jf :yfgLo
txcg';f/ PsLs[t ul/Psf] k|ltj]bg k|ltj]bg cjlw JotLt
ePsf] !% lbgleq ljefudf k7fpg'kb{5 .
@(= PsLs[t Joj:yfkg ;"rgf k|0ffnLdf cfa4tf M -!_ ?= % s/f]8 jf
;f]eGbf a9L /sdsf] hfoh]yf ePsf] ;+:yfn] Ps jif{leq / cGo
;+:yfn] tLg jif{leq dGqfnon] :jLs[t u/]sf] PsLs[t Joj:yfkg
;"rgf k|0ffnLdf cfa4 eO;Sg'kg]{5 .
-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] eP tfklg ljB't\,
;~rf/ jf cGt/;~hfn -OG6/g]6_ ;]jfdf kx'Fr gePsf] jf
b'u{d e]udf ;~rflnt ;+:yfsf xsdf To:tf] cfjZosLo
;]jfdf kx'Fr ePsf] ldltb]lv dfq Ps jf tLg jif{sf] Dofb
nfu" x'g]5 .
#)= clen]v Joj:yfkg M -!_ ;+:yfn] P]gsf] bkmf &b=, lgodfjnLsf]
lgod !@ tyf o; lgb]{zgadf]lhd tof/ ePsf ljj/0f, ;"rL,
hfgsf/L, k|ltj]bg, clen]v, ;"rgf kfFr jif{;Dd ;'/lIft /fVg'sf
;fy} To;/L /flvPsf sfuhftx¿ cfjZos k/]sf avt tTsfn
km]nf kfg{ ;lsg] u/L eP;Dd ljB'tLo dfWoddf ;d]t ltgsf]
ljj/0f /fVg'kg]{5 .
-@_ ;+:yfn] /fVg'kg]{ sfutkqsf] cGo s'/fsf cltl/Qm
b]xfoadf]lhd lxkmfht ug'{kg]{5 M–
-s_ lhDd]jf/L tf]Sg],
14
 -v_ cglws[t kx'Fr gx'g] Joj:yf ldnfpg],
-u_ ?= % s/f]8 jf ;f]eGbf a9Lsf] hfoh]yf x'g] ;+:yfn]
clUg sjh -kmfo/ k|'km_ b/fh / cGo ;+:yfn] klg
oyf;Dej ;'/lIft b/fhdf /fVg] /
-3_ cfGtl/s sfo{ljlwdf plNnlvt pkfox¿ ckgfpg] .
#!= cfjZos pkfox¿ cjnDag ug'{kg]{ M ;+:yfn] P]g tyf
lgodfjnLdf Joj:yf ePadf]lhdsf] bfloTj k"/f ug]{ l;nl;nfdf
of] lgb]{zgdf ul/Psf Joj:yfafx]ssf cfjZos pkfox¿ ;d]t
cjnDag ug'{kg]{5 .
#@= sf/afO{ tyf ;hfo M -!_ P]g, lgodfjnL tyf of] lgb]{zgsf]
Joj:yfsf] k|efjsf/L sfof{Gjog gug]{ ;+:yf / To:tf] ;+:yfsf
sd{rf/L tyf kbflwsf/LnfO{ P]gadf]lhdsf] sf/afO{ x'g]5 .
-@_ pkbkmf -!_ adf]lhd sf/afO{ ubf{ ljefun] sDtLdf !%
lbgsf] ;do lbO{ P]gsf] bkmf &km= sf] pkbkmf -%_ adf]lhd
:ki6Ls/0f ;f]Wg]5 .
-#_ pkbkmf -@_ adf]lhd ;f]lwPsf] :ki6Ls/0f lrQa'‰bf]
gkfOPdf P]g, lgodfjnL tyf lgb]{zgsf] kfngf gePsf]
cj:yf, pNnª\3gsf] dfqf / ;f]af6 kg{ ;Sg] k|0ffnLut
k|efjnufotsf ljifosf] ufDeLo{sf cfwf/df P]gsf] bkmf
&km= adf]lhd ljefun] b]xfosf] sf/afO{ ug{ ;Sg]5 .
qm=;+= kfngf gePsf] sf/afO{
Joj:yf
! gLlt tyf sfo{ljlw  klxnf]] k6s lnlvt ¿kdf ;r]t
gePdf u/fpg] .
 bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv jf
ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .

15
qm=;+= kfngf gePsf] sf/afO{
Joj:yf
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
@ klxrfg;DaGwL  klxnf]] k6s lnlvt ¿kdf ;r]t
Joj:yf sfof{Gjog u/fpg] .
gePdf  bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv hl/afgf
ug]{ .
 ;f]kZrft\ ?= !) nfveGbf a9L
hl/afgf jf ufDeLo{sf] cfwf/df
;+:yfsf] btf{ vf/]hL;Ddsf]
sf/afO{ ug]{ .
# a]gfdL jf sfNklgs  ?= #) nfvb]lv ufDeLo{sf
gfddf sf/f]af/ u/]sf] cfwf/df ?= % s/f]8;Dd
kfOPdf hl/afgf jf yk ;hfo ug]{ .
$ P]gsf] kl/R5]b ^v=  klxnf] k6s ?= @) nfv hl/afgf
sf] Joj:yf kfngf ug]{ .
ePsf] gkfOPdf  bf];|f] k6s ?= %) nfv hl/afgf
ug]{ .
 t];|f] k6sb]lv ?= @ s/f]8 jf
ufDeLo{cg';f/ ?= % s/f]8;Dd
hl/afgf ug]{ .
 k6s–k6s k|0ffnLut ;d:of
ePdf sf/f]af/ jf Joj;fodf
cf+lzs jf k"0f{ /f]s nufpg] jf
;+:yfsf] btf{ vf/]h ug]{;Ddsf]
sf/afO{ ug]{ .

16
qm=;+= kfngf gePsf] sf/afO{
Joj:yf
% pRr kb:y JolStsf]  klxnf]] k6s lnlvt ¿kdf ;r]t
klxrfg x'g] k|0ffnLsf] u/fpg] .
Joj:yf gePdf  bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv jf
ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
^ jf:tljs wgLsf]  klxnf]] k6s lnlvt ¿kdf ;r]t
klxrfg ug]{, a[xt\ u/fpg] .
klxrfg ug]{ tyf  bf]];|f] k6s art ;ª\sngdf
klxrfg cBfjlws ug]{ ;Ldf tf]Sg] .
Joj:yf gePdf  t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv hl/afgf
ug]{ .
 ;f]kZrft\ ?= !) nfveGbf a9L
hl/afgf jf ufDeLo{sf] cfwf/df
;+:yfsf] btf{ vf/]hL;Ddsf]
sf/afO{ ug]{ .
& hf]lvd Joj:yfkg  klxnf]] k6s lnlvt ¿kdf ;r]t
ePsf] gkfOPdf u/fpg] .
 bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .

17
qm=;+= kfngf gePsf] sf/afO{
Joj:yf
 rf}yf] k6s ?= !) nfv jf
ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
* lg/Gt/  klxnf]] k6s lnlvt ¿kdf ;r]t
cg'udg;DaGwL u/fpg] .
Joj:yf gePdf  bf];|f] k6s ?= !) nfv hl/afgf
ug]{ .
 t];|f] k6sb]lv ?= !% nfv jf
ufDeLo{cg';f/ yk hl/afgf jf
;hfo ug]{ .
( ;Ldf sf/f]af/sf]  klxnf]] k6s lnlvt ¿kdf ;r]t
klxrfg ug]{ k|0ffnL u/fpg] .
gePdf  bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv jf
ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
!) zª\sf:kb sf/f]af/sf]  klxnf]] k6s lnlvt ¿kdf ;r]t
klxrfg ug]{ k|0ffnL u/fpg] .
gePdf  bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .

18
qm=;+= kfngf gePsf] sf/afO{
Joj:yf
 rf}yf] k6s ?= @) nfv hl/afgf
ug]{ .
 ;f]kZrft\ ?= @) nfveGbf a9L
hl/afgf jf ufDeLo{sf] cfwf/df
;+:yfsf] btf{ vf/]hL;Ddsf]
sf/afO{ ug]{ .
!! sfof{Gjog clwsf/L  klxnf]] k6s lnlvt ¿kdf ;r]t
jf bkmf @$ sf] u/fpg] .
pkbkmf -@_  bf]];|f] k6s art ;ª\sngdf
adf]lhdsf] Joj:yf ;Ldf tf]Sg] .
ePsf] gkfOPdf  t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6sb]lv k6s}lkR5] ?= !)
nfv hl/afgf ug]{ .
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
!@ ;~rfns ;ldltn]  klxnf]] k6s lnlvt ¿kdf ;r]t
ug'{kg]{ ;dLIff gu/]df u/fpg] .
 bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
!# ;+:yfut tyf  klxnf]] k6s lnlvt ¿kdf ;r]t
sd{rf/Lsf] Ifdtf u/fpg] .
ljsf;sf sfo{ gu/]df  bf]];|f] k6s art ;ª\sngdf
;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .

19
 qm=;+= kfngf gePsf] sf/afO{
Joj:yf
!$ tf]lsPsf ljj/0fx¿sf]  klxnf]] k6s lnlvt ¿kdf ;r]t
clen]v g/fv]df jf u/fpg] .
tf]lsPsf] ;do;Dd  bf]];|f] k6s art ;ª\sngdf
;'/lIft g/fv]df ;Ldf tf]Sg] .
 t];|f] k6s shf{ k|jfxdf ;Ldf
tf]Sg] .
 rf}yf] k6s ?= !) nfv jf
ufDeLo{sf] cfwf/df ?= #)
nfv;Dd hl/afgf ug]{ .
 ;f]kZrft\\ ;+:yfsf] btf{
vf/]hL;Ddsf] sf/afO{ ug]{ .
!% ;Ldf jf zª\sf:kb  P]gsf] bkmf !) sf] pkbkmf -&_
sf/f]af/ k|ltj]bg adf]lhd ljQLo hfgsf/L OsfO{n]
;dodf gk7fPdf ?= !) nfv;Dd hl/afgf ug{
;Sg] .
-#_ pkbkmf -@_ df h'g;'s} s'/f n]lvPsf] eP tfklg ljefun] sf/afO{
ubf{ ;+:yfsf] cfly{s tyf ;fª\u7lgs cj:yf, kfngfsf nflu
ePsf k|of; / pNnª\3gsf] ufDeLo{;d]tsf] ljrf/ u/L k|efjsf/L,
cfg'kflts / lg/f]wfTds x'g] u/L ug]{5 .
t/ pNnª\3gsf] ufDeLo{sf] ljrf/ u/L P]gsf] bkmf &km=
adf]lhdsf] s'g} jf ;a} sf/afO{ ug{ o; bkmfn] afwf k'¥ofPsf]
dflgg]5}g .
-$_ ;+:yfnfO{ o; bkmfadf]lhd sf/afO{ jf ;hfo ePdf / To:tf]
;hfo pQm ;+:yfsf] s'g} kbflwsf/L jf sd{rf/Lsf] sfd–sf/afO{sf]
sf/0fn] ePsf] b]lvPdf To:tf] kbflwsf/L jf sd{rf/LnfO{ ;DalGWft
;+:yfn] k|rlnt sfg'g jf ;+:yfsf] ljlgodadf]lhd sf/afO{
ug'k{ g]{5 .
##= o;} lgb]{zgadf]lhd ug'{, u/fpg'kg]{ M -!_ g]kfn ;/sf/
-dlGqkl/ifb\_ af6 ldlt @)&#÷!)÷!* df :jLs[t g]kfnsf]
;+ljwfgsf] cg';"rL %, ^, &, * / ( df plNnlvt ;ª\3, k|b]z /
20
 :yfgLo txsf clwsf/sf] sfo{lj:t[tLs/0fdf Joj:yf ePadf]lhd
k|b]z jf :yfgLo txsf] lgodg clwsf/ If]qleq kg]{ ;+:yfsf]
xsdf k|b]z ;xsf/L lgofds lgsfo jf :yfgLo txn] o;}
lgb]{zgadf]lhd ug'{, u/fpg'kg]{5 .
-@_ k|b]z jf :yfgLo txaf6 pkbkmf -!_ adf]lhd
ug]{, u/fpg] Joj:yf ldnfpFbf o; lgb]{zgdf sfof{no jf ljefun]
ug]{ u/L pNn]v ePsf ;Dk"0f{ sfo{x¿sf] ;Dkfbg, st{Josf] kfngf
/ clwsf/sf] k|of]u k|b]z ;xsf/L lgofds lgsfo jf :yfgLo
txsf] sfo{kflnsfn] tf]s]sf] clwsf/Ln] ug{'kg]{5 .
#$= JofVof ug]{ clwsf/ M of] lgb]{zgsf] JofVof ug]{ clwsf/ /lhi6«f/df
/xg]5 .


21
 cg';"rL–!
art tyf C0fsf] d'Vo sf/f]af/ gug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm /
;b:osf] klxrfg;DaGwL sfuhft tyf ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -s_ ;Fu ;DalGwt_
s= JolQmut ljj/0f
!= gfd, y/ M
@= hGd ldlt M
#= gful/stf k|df0f–kq g+= M
$= gful/stf k|df0f–kq hf/L ug]{ sfof{no M
%= lnª\u M dlxnf k'?if t];|f]
v= kfl/jfl/s ljj/0f
^= cfdfsf] gfd M
&= afa'sf] gfd M
*= afh]sf] gfd M
(= j}jflxs l:ylt M ljjflxt cljjflxt Psn
!)= klt jf kTgLsf] gfd, y/ M
u= k];fsf] ljj/0f
!!= cfˆgf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg]=== === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_

22
 cGo -v'nfpg] === ===_
!@= :yfoL n]vf gDa/ eP M
!#= klt jf kTgLsf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === === ===_
!$= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs
jf ;fª\u7lgs e"ldsfdf /x], g/x]sf]
/x]sf] g/x]sf]
!%= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts, k|zf;lgs
jf ;fª\u7lgs e"ldsfdf eP ljj/0f
-!_ gfd M
-@_ gftf M
-#_ kb jf ;fj{hlgs e"ldsf M
3= /xg;xgsf] ljj/0f
!^= :yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M

23
 -^_ ;Dks{ g+=M
!&= c:yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
!*= ;+:yfsf] sfo{If]qsf] a;f]af; M  :yfoL  c:yfoL
!(= dtbftf kl/ro–kq g+= M
@)= dtbfg:yn M === === ===
ª= ;xsf/L ;b:otf
@!= ;+:yfsf] ;b:o aGg'sf] p2]Zo M
@@= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o eP, gePsf]
 ePsf]  gePsf]
@#= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP ljj/0f
l;= g+= ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_
-%_

24
r= cfo;|f]tsf] ljj/0f
@$= jflif{s kfl/jfl/s -cfˆgf], klt jf kTgLsf] / Pp6} eftefG5fsf
;b:ox¿sf]_ cfDbfgL -hUufsf] v'b cfo:tf, gf]s/Lsf]
kfl/>lds, Joj:ffosf] d'gfkmf, OToflb_
 ?= $ nfv;Dd
 ?= $ nfveGbf a9L ?= !) nfv;Dd
 ?= !) nfveGbf a9L ?= @% nfv;Dd
 ?= @% nfveGbf a9L ?= %) nfv;Dd
 ?= %) nfv a9L
@%=clen]vdf /fVgof]Uo yk ljj/0f jf b|i6Jo
=== === === ===
=== === === ===
=== === === ===
5= :j–3f]if0ff
-!_ d}n] k]; u/]sf] of] ljj/0fdf eljiodf s'g} kl/jt{g cfPdf To:tf]
kl/jt{g ePsf ldltn] #% lbgleq ;+:yfdf k]; ug]{5' .
-@_ d}n] dfly k]; u/]sf] d]/f] ;Dk"0f{ ljj/0f 7Ls, b'?:t 5 . em'§f
7x/] sfg'gadf]lhd ;x'Fnf, a'emfpFnf .

b:tvt M
gfd M

25
 cf}F7f5fk
bfofF afofF

ldlt M
h= ;+nUg sfuhftx¿
g]kfnL gful/stfsf] k|df0f–kqsf] k|ltlnlk
em= l;kmfl/; -btf{ ePkZrft\ x'g] ;b:osf] xsdf_
o;df pNn]v ePsf >L === === === === nfO{ d /fd|/L lrGb5' . lghn] d]/f]
/f]xa/df ;xL5fk u/]sf x'g\ . d}n] hfg]a'em];Dd lghn] k]; u/]sf] ljj/0f
7Ls ePsfn] lghsf] lgj]bgcg';f/ ;xsf/L ;+:yfsf] ;b:otf k|bfg ug{
l;kmfl/; ub{5' .
l;kmfl/;stf{ ;b:osf] l;kmfl/;stf{ ;b:osf]
b:tvt M b:tvt M
gfd M gfd M
;b:otf g+= M ;b:otf g+= M

26
 cg';"rL–@
art tyf C0fsf] d'Vo sf/f]af/ ug]{ ;+:yf btf{sf] cfj]bg lbg] JolQm /
;b:osf] klxrfg;DaGwL sfuhft tyf ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -v_ ;Fu ;DalGwt_

s= JolQmut ljj/0f
!= gfd, y/ M
@= hGd ldlt M
#= gful/stf k|df0f–kq g+= M
$= gful/stf k|df0f–kq hf/L ug]{ sfof{no M
%= lnª\u M dlxnf k'?if t];|f]
v= kfl/jfl/s ljj/0f
^= cfdfsf] gfd M
&= afa'sf] gfd M
*= j}jflxs l:ylt M ljjflxt cljjflxt Psn
(= klt jf kTgLsf] gfd, y/ M
!)= kl/jf/sf] lsld;
;+o'St / Ps} eftefG5f
;+o'St t/ cnu eftefG5f
5'l§leGg jf Ps;?jf -Go'lSno/_
u= k];fsf] ljj/0f
!!= cfˆgf] d'Vo k];f
v]tLkftL

27
Joj;fo -v'nfpg]=== === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === ===_
!@= :yfoL n]vf gDa/ M
!#= klt jf kTgLsf] d'Vo k];f
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] == = === ===_
cGo -v'nfpg] === === ===_
!$= cfkm", klt jf kTgLafx]s kl/jf/df csf]{ d'Vo sdfpg] ;b:o
!$=! gftf M
!$=@ k];f M
v]tLkftL
Joj;fo -v'nfpg] === === ===_
gf]s/L -v'nfpg] === === ===_
j}b]lzs /f]huf/L -v'nfpg] === === ===_
cGo -v'nfpg] === === ===_
!%= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts,
k|zf;lgs jf ;fª\u7lgs e"ldsfdf /x], g/x]sf]
/x]sf] g/x]sf]

28
 !^= cfkm}F jf kl/jf/sf] s'g} ;b:o pRr kbLo /fhgLlts,
k|zf;lgs jf ;fª\u7lgs e"ldsfdf eP ljj/0f
-!_ gfd M
-@_ gftf M
-#_ kb jf ;fj{hlgs e"ldsf M
3= /xg;xgsf] ljj/0f
!&= :yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
-^_ ;Dks{ g+ M
-&_ Od]n cfO{=8L M
!*= c:yfoL 7]ufgf
-!_ k|b]z M
-@_ dxf÷pkdxf÷gu/kflnsf÷ufpFkflnsf M
-#_ j8f M
-$_ ufpF÷6f]n M
-%_ 3/ g+= M
!(= ;+:yfsf] sfo{If]qsf] a;f]af; M  :yfoL  c:yfoL
@)= dtbftf kl/ro–kq g+= M
@!= dtbfg:yn M ==== ==== ===
29
 @@= ;+:yfsf] sfo{If]qdf jif{df latfpg] cjlw M
@#= /fxbfgL g+= ePdf M
ª= ;xsf/L ;b:otf
@$= ;+:yfsf] ;b:o aGg'sf] p2]Zo M
@%= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o eP, gePsf]
 ePsf]  gePsf]
@^= cfkm}F csf]{ ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP ljj/0f
l;= g+= ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_
-%_
@&= cfkm"afx]s kl/jf/sf] ;b:o csf]{ ;xsf/L ;+:yfsf] ;b:o eP,
gePsf]
ePsf] gePsf]
@*= cfkm"afx]s kl/jf/sf] ;b:o csf]{ ;xsf/L ;+:yfsf] ;b:o
ePsf] eP ljj/0f
l;= g+= gfd, y/ gftf ;+:yfsf] gfd, 7]ufgf ;b:otf g+=
-!_
-@_
-#_
-$_

30
 -%_
@(= cfkm}F cGo ;xsf/L ;+:yfsf] klg ;b:o ePsf] eP bf]xf]/f] jf
ax';+:yfdf ;b:otfsf] k|of]hg
=== === === === === === ===
=== === === === === === ===
#)= cfkm"afx]s kl/jf/sf] ;b:o cGo ;xsf/L ;+:yfsf] ;b:o
ePsf] eP bf]xf]/f] jf ax';+:yfdf ;b:otfsf] k|of]hg
=== === === === === === ===
=== === === === === === ===
#!= kl/jf/sf] csf]{ ;b:o klg o;} ;+:yfsf] ;b:o eP, gePsf] M
ePsf] gePsf]
#@= kl/jf/sf] csf]{ ;b:o klg o;} ;+:yfsf] ;b:o ePsf] eP ljj/0f
l;= g+= gfd, y/ ;b:otf g+=
-!_
-@_
-#_
r= cfo;|f]tsf] ljj/0f
##= jflif{s kfl/jfl/s -cfˆgf], klt jf kTgLsf] / Pp6} eftefG5fsf
;b:ox¿sf]_ cfDbfgL -hUufsf] v'b cfo:tf, gf]s/Lsf]
kfl/>lds, Joj:ffosf] d'gfkmf, OToflb_
 ?= $ nfv;Dd
 ?= $ nfveGbf a9L ?= !) nfv;Dd
 ?= !) nfveGbf a9L ?= @% nfv;Dd
 ?= @% nfveGbf a9L ?= %) nfv;Dd
31
  ?= %) nfv a9L
#$= ?= $ nfveGbf a9L jflif{s kfl/jfl/s cfDbfgL eP kl5Nnf]
cfly{s jif{sf] cfo / ;|f]tsf] ljj/0f
l;= g+= ;|f]t /sd -?=_
-!_ v]tLkftL
-@_ Joj;fo
-#_ :jb]zL /f]huf/L
-$_ j}b]lzs /f]huf/L
-%_ cGo -v'nfpg]=== === ===_
5= ljQLo sf/f]af/sf] ljj/0f
#%= k|f/Dedf ;+:yfdf hDdf ug]{ jf xfn;Dd ;+:yfdf hDdf
ul/;s]sf] /sdsf] ljj/0f
l;= g+= afkt /sd -?=_
-!_ ;]o/
-@_ Afrt
-#_ cGo -v'nfpg]==== ===_
#^= ;+:yfsf] vftfdf cg'dflgt /fvgw/gsf] /sdsnd
s= jif{df sf/f]af/ ug]{ k6s M ===
v= jflif{s ¿kdf hDdf ug]{ cg'dflgt /sd M ?=
#&= ;+:yf;Fu cg'dflgt C0fwgsf] /sdsnd M ?=
#*= clen]vdf /fVgof]Uo yk ljj/0f jf b|i6Jo
=== === === ===
=== === === ===

32
h= :j–3f]if0ff
-!_ d}n] k]; u/]sf] of] ljj/0fdf eljiodf s'g} kl/jt{g cfPdf
To:tf] kl/jt{g ePsf] ldltn] #% lbgleq ;+:yfdf k]; ug]{5' .
-@_ d}n] dfly k]; u/]sf] d]/f] ;Dk"0f{ ljj/0f 7Ls, b'?:t 5 . em'§f
7x/] sfg'gadf]lhd ;x'Fnf, a'emfpFnf .

b:tvt M gfd M
cf}F7f5fk
bfofF afofF

ldlt M
em= ;+nUg sfuhftx¿
g]kfnL gful/stfsf] k|df0f–kqsf] k|ltlnlk
dtbftf kl/ro–kqsf] k|ltlnlk

`= l;kmfl/; -btf{ ePkZrft\ x'g] ;b:osf] xsdf_

o;df pNn]v ePsf >L === === === === nfO{ d /fd|/L lrGb5' . lghn] d]/f]
/f]xa/df ;xL5fk u/]sf x'g\ . d}n] hfg]a'em];Dd lghn] k]; u/]sf] ljj/0f
7Ls ePsfn] lghsf] lgj]bgcg';f/ ;xsf/L ;+:yfsf] ;b:otf k|bfg ug{
l;kmfl/; ub{5' .
l;kmfl/;stf{ ;b:osf] l;kmfl/;stf{ ;b:osf]
b:tvt M b:tvt M
gfd M gfd M
;b:otf g+= M ;b:otf g+= M

33
 cg';"rL–#
;xsf/L ;+:yf / ;xsf/L P]g, @)&$ sf] bkmf #) sf] pkbkmf -@_
adf]lhdsf] ;ª\3;+:yf jf lgsfosf] klxrfg;DaGwL sfuhft tyf
ljj/0fsf] ;fdfGo 9fFrf
-bkmf # pkbkmf -@_ sf] v08 -u_ ;Fu ;DalGwt_

!= ;+:yfsf] ljj/0f M
@= gfd M
#= btf{ g+= M
$= btf{ ldlt M
%= btf{ ug]{ sfof{no M
^= gjLs/0fsf] ldlt M
&= d'Vo sfof{nosf] 7]ufgf M
*= ;+:yfsf] d'Vo p2]Zo M
(= Joj;fo jf sf/f]af/sf] lsl;d M
!)= sfo{If]q M
!!= zfvf ;ª\Vof / :yfg M
!@= ;+:yf jf lgsfo :yfkgf tyf ;~rfng ug{ k|rlnt sfg'gadf]lhd
s'g} ljlgod, ljwfg cfjZos x'g]df :jLs[t ljlgod, ljwfg jf
;f]xL k|s[ltsf] cGo sfuhftsf] k|ltlnlk / To:tf] ljlgod, ljwfg jf
sfuhft gx'g]sf] xsdf cflwsfl/s kq M
!#= jflif{s cg'dflgt sf/f]af/ M
34
!$= kl5Nnf] cfly{s jif{sf] ljQLo ljj/0f M
!%= kl5Nnf] cfly{s jif{sf] s/ r'Qmfsf] k|df0f–kq jf s/ bflvnf
ljj/0f M
!^= ;~rfns ;ldltsf ;b:o, sfo{sf/L k|d'v / vftf ;~rfnssf]
;+:yfsf] ;b:o x'gsf nflu k]; u/]sf] cg';"rL–! / cg';"rL–#
adf]lhd klxrfg ljj/0f M
!&= ;+:yfn] cfjZos 7fg]sf cGo ljj/0fx¿ M

35
 cg';"rL–$
Threshold Transaction Report (TTR)
Name and address of the Account
S. Date of Nature of Amount Source
person holding account Branch Type and Remarks
N. Transaction Transaction Involved of Fund
(including legal) No.

Name:
Signature :
(Compliance Officer or Authorized Officer)
Name :
Designation :
Phone :
Email :
Fax :
Date :

36
 cg';"rL–%
Suspicious Transaction Report (STR)
A. Reporting Institution:
1. Name of the Institution/Branch:

B. Details of Customer :
1. a. Name of the Main accountholder/s/customer: a.
b. Related Party/ies: b.

2 a. Permanent Address: a.
b. Present Address: b.

3. Profession (As per KYC):

4. Nationality:

37
5. Other account(s) number (if any):

6. Other business (if any):

7. a. Citizen No./PP No./ other ID a.

No./Regd.No.
b. Issue Date and Place b.
c. Issuing Agency/Authority c.

8. a. Father' Name a.
b. Mother’s Name b.
c. Spouse Name c.
d. Grand Father
d.
e. Chairman/MD/Proprietor

9. Date of birth (Natural Person)/

Date of establishment(Legal Person):

38
C. Details of Customer:

1. Account Number

2. Nature of the account

(Current/savings/loan/other, pls. specify)

3. Nature of Ownership: (Individual/proprietorship

/Partnership/company/other, pls. specify)

4. Names of Prop./Directors/ Partners, etc.

5. Date of A/C opening

6. Other account(s) number (Related Parties): 1.

39
 2.

3.

D. Transaction

a. Transaction Details (Accountwise)

Total
Total Dr. Total Total Cr. Closing
Account No. Year Trans.
Amount Trans. No. Amount Balance
No.

Total up to
now
Please fill the transaction from opening to present date, Total of Dr. & Cr. (No. & Amount) exclude
returned cheques/reverse entries/any other correcting items.

40
b. Details of Top 10 deposits (Last One Year)

S.No. Date Cheque/Voucher Depositor Amount Remarks

No.

c. Details of Top 10 withdrawals (Last One Year)

S.No. Date Cheque/Voucher Payee Amount Remarks

No.

d. Details of loan and any other business and transactions with BFI

41
e. Person and Transaction Tree or Map

D. Reasons for considering the transaction(s) as unusual/suspicious?

 Summary of suspicious activities

 Analysis or Examination

 Possible Linkage

E. Suspicious Activity Information/Typology:

Summarize characterization of suspicious activity/please specify the typologies (As per Act and
FATF Guideline):

a. Corruption/Gratuity e. False statement i. Structuring

b. Cheque fraud f. Debit/credit or other j. Mysterious

card fraud Disappearance/behavior

42
c. Tax evasion g. Identity theft k. Counterfeit instrument

d. Loan fraud h. Terrorist financing L Misuse of position or self

Others (Please specify): ……………………………………………………..

F. Has the Bank/FI taken any action in this context? Give details.

Signature (Compliance Officer or Authorized Officer) :

Name :
Designation: Date:
Phone : Email: Fax:

43
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