asic complaint 3

8/12/2019 ASIC Complaint 3

1/89

K]JMKF [@IXM@FDJMX XM[MIXK@

K@I\ZMX 0>I[OK KFB\DIOEZ[ KFEKMXEOEC KuJMKF ZXIJOEC

0.; I Xmvomw fg KuJmkf Zrijoec Ossums

grfb Nieuiry 8


2/89

8

XMGMXMEKM DOEA[ ZF \]HDO[@MJ XM[MIXK@

Kìptmr 9> Oetrfjuktofe

9.9 S`y Hdfc6

9.8 Z`m Kurrmet [otuitofe

9.; Hdfc Kfetmet

Kìptmr 8> Ie Fvmrvomw fg Zrmejs Issfkoitmj Sot` 9= Bfet`s fg Zrijoec

8.9 Oetrfjuktofe

8.8 Zrijoec Zrmejs Fvmr i 9= Bfet` \mrofj

Kìptmr ;> Zrijoec Zrmejs Dmijoec up tf Iuc 90, 8


3/89

;

FWMXWOMS

Xmsmirk` oetf trijoec fg KuJmkf s`irms juroec t`m pmrofj Nieuiry 8


4/89

:

KFB\IXO[FE K@IXZ[ - Nieuiry t`rfuc` Biy 8


5/89

=

JFSEZOKA ZXMEJ[ (Xmgmr tf \icm 9= gfr i gudd mxpdieitofe fg Iefbidfus JZ trmejs)

Z`m kfbpirosfe fg Jfwetoka sidms wot` smddoec cmemriddy fvmr = bfet`s fg trijoec s`fws up iefbidoms wot`

hft` ]H[ iej B[JS w`f hft` ippmir tf ìvm tircmtmj dfwmr prokms wot` t`mor smddoec. [uk` hmìvofur os

bieopuditovm is cmeuoem smddoec dffas tf bixobozm rmtures grfb sidms, eft cmemritm bixobub prokm obpikt

rmcirjoec prokm gidds.

[obodirdy, t`m kfbpirosfe fg Jfwetoka purkìsms wot` huyoec cmemriddy s`fws up iefbidoms wot` ]H[ iejBMXD. Ot os eft rmisfeihdm tf mxpmkt sukkmss it huyoec JZ sidms is fgtme is ìs hmme ikòmvmj hy kmrtioe

hrfamrs huyoec KuJmkf sìrms. Z`m sukkmss kfbms grfb t`m prmgmrmetoid smddoec fg JZ trijms hy jmsoceitmj

smddmrs tf prmgmrrmj huymrs iej os prmvidmet ikrfss i riecm fg hrfamrs t`rfuc`fut idd bfet`dy jiti. Z`m

mxkdusovm trijoec, jormktmj hy idcfrot`bs, tìt tiam pdikm hmtwmme metotoms w`f irm mggmktovmdy kfddujoec wot`

t`mor trijoec, os rmvmidmj hy trijoec jiti is hmoec hft` efe-cmeuoem iej bieopuditovm.

Gurt`mr ossums kfekmre t`m tmejmeky tf ivfoj Jfwetokas w`me smddoec suk` is os mvojmet wot` KOZO, JBC, C[

iej [F[D. Z`mrm os idsf t`m tmejmeky tf ivfoj Jfwetoka purkìsms jmspotm strfec huyoec prfgodms oe t`m

biramt wòk` os mvojmet oe jiody jiti iej tf ie mxtmet fvmr t`m dfecmr tmrb hy KFBB iej BIKY.

HXFAMX KFB\IXO[FE[

O[[]M[ KFEKMXEOEC IDCFXOZ@B[

Fggokoid r`mtfrok kfekmreoec idcfrot`bs fgtme oevfdvms stitmbmets suk` is t`m gfddfwoec wòk` wis wrottme hy

ie I[OK Fggokmr oe rmspfesm tf t`m kfekmres fg i KuJmkf sìrm`fdjmr>

Ot os obpfrtiet tf eftm tìt t`m sbidd vidum triesiktofes tf wòk` yfu rmgmr oe yfur dmttmr, irm dircmdy t`m rmsudt

wot` idcfrot`bok trijoec wòk` fgtme hrmia jfwe dircmr frjmrs tf boeobosm biramt obpikt hy trijoec i dircm

eubhmr fg sbidd frjmrs t`rfuc`fut t`m jiy. Sòdm t`m triesiktofes kie ippmir ueusuid w`me dffamj it oe

osfditofe, t`my irm eft emkmssirody oejokitovm fg biramt bieopuditofe.

Z`m rmidoty oe = bfet`s fg trijoec gfr KuJmkf os tìt t`m dmijoec smddmrs fg Jfwetokas usmj idcfrot`bs tfcmemritm trijms fg sbidd pirkmd sozms tìt rmdmetdmssdy tircmtmj dfwmr prokms iej oe gikt bixobozmj t`m obpikt

fg t`mor smddoec t`rfuc` suk` triesiktofes. Z`m I[OK ijvokm os jmgoeotmdy eft suppfrtmj hy rmsmirk` goejoecs.


6/89

7

Idsf, t`mrm os ef wiy tìt suk` trijms kfudj rmprmsmet cmeuoem smddoec is jmgoemj rmkmetdy hy t`m Iustridoie

@oc` Kfurt oe i rmkmet nujcmbmet pmrtioeoec tf sìrm prokm bieopuditofe, voz.1

Z`m gfrkms fg cmeuoem suppdy iej jmbiej irm t`fsm wòk` irm krmitmj oe i biramt hy huymrs w`fsm purpfsm

os tf ikquorm it t`m dfwmst iviodihdm prokm iej smddmrs w`fsm purpfsm os tf smdd it t`m òc`mst rmidosihdm prokm.

I subbiry fg t`m dmijoec Jfwetoka smddmrs gfr t`m = bfet`s pmrofj os prfvojmj oe t`m tihdm tìt gfddfws.

Jfwetoka trijms ìvm hmme kfbpirmj tf mik` hrfamrs smddoec prfgodm gfr idd trijoec. Idsf t`m prfpfrtofe fg

JZ trijms rmprmsmetmj hy hrfamr krfssoecs ìs idsf hmme oekdujmj.

JZ trijms oevfdvoec pirkmd sozms gmwmr tìe :


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3

J]HOF][ ZXIJOEC IEFBIDOM[ H_ DMIJOEC HXFAMX[ ]H[ IEJ B[JS

Z`m gfddfwoec kìrts òc`doc`t sfbm fg t`m trijoec uejmrtiame hy prfboemet hrfamrs ]H[ iej B[JS w`mrm

t`mrm ìs hmme i tmejmeky tf tircmt dfwmr prokms wot` t`mor smddoec t`rfuc`fut t`m =-bfet` pmrofj.


8/89


9/89

?

[]BBIX_KuJmkf Zrijoec Nieuiry 8


10/89


11/89

99

KFEZMEZ[

[mktofe 9 ..... \c. 98

0.;.9 HIKACXF]EJ OEGFXBIZOFE KFEKMXEOEC KuJMKF ZXIJOEC

[mktofe 8 ........ \c. 93

0.;.8 BFEZ@D_ JFSEZOKA ZXMEJ[ XMCIXJOEC KuJMKF ZXIJOECNieuiry iej Gmhruiry 8


12/89

98

[mktofe 0.;.9

HIKACXF]EJ

Xmdmviet Biramt Oegfrbitofe gfr t`m \mrofj Nieuiry tf Biy 8


13/89

9;

0.;.9.9 KuJMKF (KJ]) [@IXM \XOKM K@IXZNieuiry 8


14/89

9:

0.;.9.; KuJMKF (KJ]) [@IXM \XOKM WMX[][ F\ME [@FXZ \F[OZOFE[ - Nieuiry 8


15/89

9=

0.;.9.: KuJMKF[ \F[OZOFE OE Z@M JMWMDF\BMEZ K_KDMFG IE MP\DFXMX ZXIE[OZOFEOEC ZF BOEOEC

Z`m kìrt os mxtriktmj grfb ie irtokdm tìt joskussms t`m prfkmss fg ie mxpdfrmr triesotofeoec oetf boeoec igtmr

joskfvmroec ie frm hfjy tìt wirriets jmvmdfpbmet4XMGMXMEKM DOEA5.Z`m jmkosofe tf prfkmmj fhvofusdy

rmquorms givfurihdm mkfefbok stujoms oe frjmr tf smt up t`m emkmssiry oegristrukturm tf mxtrikt boemrids.

KuJmkf os pfsotofemj wmdd oetf t`m jmvmdfpbmet pìsm w`mrm trijotofeiddy t`mrm os ie oekrmism oe sìrm

prokms is t`m prfnmkt os jm-rosamj iej oestotutofeid oevmstfrs ikquorm stfka oe ietokopitofe fg kipotid crfwt`

iej jovojmejs. Boeoec kie stirt idbfst obbmjoitmdy covme t`m Kfbpieys oetmetofes fg sòppoec òc` crijm

frm efw tìt t`m krusòec korkuot ìs hmme kfbpdmtmj iej kfbbossofemj. Z`m pdie os tf smpiritm rok` eitovm

kfppmr iej òc` crijm kìdkfkotm frm gfr sòppoec, wòdm stfkapodoec dfwmr crijm frm uetod t`m gudd prfkmssoec

korkuot os fpmritofeid. Ie mstobitm fg KuJmkfs pfsotofe fe t`m kìrt os prfvojmj.

Z`m Kfbpieys pfsotofe fe t`m kìrt fuc`t tf hm ikkfbpieomj hy sìrm prokm ipprmkoitofe, eft t`m rmjuktofes

oe prokm tìt ìvm fkkurrmj t`rfuc`fut 8


16/89

97

0.;.9.= IEFBIDF][ JFSEZOKA ZXMEJ[ I[ IE OEJOKIZFX FG BIEO\]DIZOWM IKZOWOZ_

I kfbpirosfe fg Jfwetokas ikòmvmj hy hrfamrs wot` t`mor smddoec, icioest t`mor biramt sìrm fg smddoec

cmemriddy, prfvojms i riecm fg skmeirofs tìt kie hm usmj tf issmss t`m cmeuoemss fg trijoec.

Jfwetoka triesiktofes prfpfrtofeitmdy buk` dircmr tìe i hrfamrs smddoec prfgodm is (s`fwe hy 9 hmdfw), os

ikòmvmj t`rfuc` dircm eubhmrs fg sbidd trijms put t`rfuc` t`m biramt it dfwmr prokms. [uk` triesiktofes irm

kfbpdmtmdy kfetrijoktfry tf wìt t`m @oc` Kfurt ìs rmgmrrmj tf is cmeuoem smddoec iktovoty.4XMGMXMEKM DOEA5

Z`m gfrkms fg cmeuoem suppdy iej jmbiej irm t`fsm wòk` irm krmitmj oe i biramt hy huymrs w`fsm purpfsm

os tf ikquorm it t`m dfwmst iviodihdm prokm iej smddmrs w`fsm purpfsm os tf smdd it t`m òc`mst rmidozihdm prokm.

[bidd ibfuets fg smddoec tìt jmdohmritmdy tircmts dfwmr prokms oe i vmry suhstietoid wiy kie fedy hm rmcirjmj is

bieopuditovm. @mivy smddoec tìt ivfojs Jfwetoka triesiktofes os sobodirdy juhofus (Xmgmr 8 hmdfw), wòdm smddoec

dmvmds tìt irm kfbbmesuritm wot` t`m prfpfrtofe fg Jfwetokas ikòmvmj ippmirs rmisfeihdm. (Xmgmr ;).

[obodirdy, huyoec tìt kfesostmetdy ittrikts dircm eubhmrs fg gfrtuotfus JZ purkìsms (Xmgmr I hmdfw) succmsts

efe-cmeuoem trijoec iej pfssohdm hrfamr kfddusofe voi t`mor idcfrot`bs. Idsf, strfec huyoec tìt tmejs tf ivfoj

Jfwetokas (Xmgmr H) os ueusuid iej icioe t`m rmsudt fg juhofus trijoec iktofes hy idcfrot`bs.


17/89

93

[mktofe 0.;.8

BFEZ@D_ JFSEZOKA ZXMEJ[ XMCIXJOEC KuJMKF ZXIJOEC

Nieuiry 8


18/89


19/89

9?

0.;.8.9.; IEFBIDF][ JIOD_ JFSEZOKA [MDDOECNieuiry 8


20/89

8Joibfej Jroddoec Hmcoes it Xfkadiejs [fut`

Jitm K`irt Jiti \rokm Iktofe

Nie 0, 8


51/89

=9

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M :

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M =

Zotdm>Yuirtmrdy Xmpfrt


Nie ;9, 8


52/89

=8

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M = kfetj

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 7

KFBBMEZ>

I vmry sukkmssgud jrodd oetmrkmpt wis bmt hy smddoec

hy ]H[, KOZO iej [HIX iej huyoec hy KOZO, KFBB

iej BMXD. @oc`dy ieibfdfus dmvmds fg JZ

triesiktofes wmrm issfkoitmj wot` ]H[ & BMXD is

smddmrs iej hy BMXD & CMZKF is huymrs.

Z`m oestotutofeid rmiktofe tf cffj emws gfddfwmj

t`m rmiktofe tf idd prfbosoec ieefuekmbmets. o.m.,

t`m suppdyoec fg kùre trijms tìt rmstroktmj prokm

oekrmisms.

Z`m sìrm prokm gmdd 8 kmets oe rmspfesm tf

prfbosoec emws tìt biy dmij tf oekrmismj

rmsfurkms.

.

\rfpfrtofe fg JZ Huys

\rfpfrtofe fg Idd Huyoec

Jfwetoka \urkìsms kfbpirmj tf Idd Huyoec

Zotdm>Xfkadiejs ]pjitm 0;b L :.7?% Ku mquov.


Gmh 7, 8


53/89

=;



Zotdm>[oefstmmd rmkmovms GOXH Ipprfvid


Gmh 3, 8

]H[ smozmj upfe ie ieefuekmbmet hy [oefstmmd

cioeoec GOXH ipprfvid tf tiam up sìrms oe KJ] tf

iccrmssovmdy smdd sìrms, pirtokudirdy t`rfuc` JZ

trijms. Oestotutofeid smddoec idsf fkkurrmj hy [HIX

iej N\B. Z`m smddoec bijm ef dfcokid smesm is t`m

[oefstmmd ieefuekmbmet wis i dircm vftm fg

kfegojmekm oe t`m prfnmkt.

Fe t`m fppfsoec sojm fg smddoec wmrm oestotutofeid

purkìsms hy \MZXI, OE[Z iej KFBB. \mtriKipotid wis t`m dmijoec huymr wot` 90.=% fg idd

huyoec ymt fedy bieicmj tf poka up :.=% fg JZ

sidms. Ot gurt`mr òc`doc`ts t`m smdmktovm frjmr

mxmkutofe kipihodoty fg idcfrot`bs. Oestoemt iej

Cmtkf wmrm fhvofusdy t`m prmgmrrmj huymrs gfr JZ

triesiktofes.

Krmjot [uossms huyoec

os òc`dy juhofus.




Zotdm>Ku Crijm & Sojt` oekrmisoec it Jmpt`


Gmh 8=, 8


54/89

=:

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 0 kfetj

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M ?

KFBBMEZ>

Mekfuricmbmet wot` jroddoec sukkmss os irjdy i

jmvmdfpbmet tìt s`fudj wirriet i strfec ittmbpt

tf smdd jfwe t`m sìrm prokm is wis diuek`mj hy

Bfmdos [mkurotoms.

Kfekmrtmj smddoec hy Bfmdos mdpmj tf jrfp t`msìrm prokm hy : kmets hut kurofusdy, t`mor strfec

smddoec wòk` ibfuetmj tf =7% fg idd sidms, fedy

ikkfuetmj gfr 7% fg Jfwetokas oe prokm. Ijjoec

gurt`mr suspokofe tf trijoec wis tìt Oestoemt (OE[Z)

rmkfrjmj emirdy 7Jormktfr Huyoec


Gmh 87, 8


55/89

==

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9Hmkfboec i [uhstietoid @fdjmr- [oefstmmd


Bir 9, 8

[oefstmmd hmkfboec i binfr sìrm`fdjmr wis

smozmj upfe hy ]H[, N\B, KOZO iej B[JS tf

smdd jfwe t`m sìrm prokm. @oc`dy iefbidfus

JZ prmssurm wis prfvojmj hy BMXD dmijoec

tf ie 99 kmet gidd. Z`m smddoec wis bmt hy

huyoec grfb KFBB, ]H[, JBC iej C[ icioe

succmstoec tìt oestotutofes wmrm sobpdy

kùreoec sìrms tf jrfp t`m sìrm prokm.

CMZKFs sìrm fg JZ purkìsms os idsf òc`dy

juhofus.




Zotdm>Xfkadiejs Jmvmdfpbmet ]pjitm


Bir :, 8


56/89

=7

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 99 kfetj


KFBBMEZ>

Juhofus trijoec hm`ivofurs irm icioe oc`doc`tmj

hy t`m smddoec jfwe fg ieft`mr pfsotovm

ieefuekmbmet mridjoec Kfbpiey prfcrmss. [fdoj

smddoec hy KOZO (9


57/89

=3

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9;

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9:

Zotdm>@oc`-Crijm Frm ihfvm Eitovm Kfppmr


Bir 8K`iecm fg Jormktfrs Oetmrmst


Bir 8= , 8


58/89

=0

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9: kfetj

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9=

KFBBMEZ>

Oestotutofeid hrfamrs C[, ]H[, JBC, KOZO iej BIKY

icioe siw t`m huyoec fg sìrms hy i Jormktfr is i

rmisfe tf smdd jfwe t`m sìrm prokm. Z`mor smddoec

wis bmt hy huyoec hy oestotutofeid hrfamrs BMXD

JBC, KOZO, C[ iej ]H[. Iujots kfudj pftmetoiddy

rmvmid t`m girkokid eiturm fg trijoec, pirtokudirdy og

hrfamrs wmrm smrvokoec t`m sibm oetmrmsts fr

oetmrmsts iggodoitmj wot` t`mor trijoec. Z`m

iefbidoms issfkoitmj wot` JZ sidms hy ]H[ iej JZ

purkìsms hy BMXD iej JBC moc`tme suspokofes

ihfut trijoec.




Zotdm>[upmr @oc` Crijm mxpfsmj igtmr ? ymir wiot


Bir 83, 8


59/89


60/89

7

Gurt`mr kdirogokitofe ihfut t`m oc` crijm

boemridozitofe tf hm boemj juroec t`m oeotoid ymirs

fg boeoec dogtmj t`m sìrm prokm hy 3 kmets `fwmvmr

smddoec hy KOZO, JBC, ]H[ BIKY iej B[JS

fppfsmj rosms. BIKY iej B[JS tircmtmj dfwmr

prokms wot` oc` eubhmrs fg Jfwetoka trijms.

Oestotutofeid smddoec wis icioe bitk`mj wot`

oestotutofeid huyoec tfcmt`mr wot` huyoec hy

Kfbbfewmidt` [mkurotoms. Oestotutofeid huyoec tìt

ihsfrhmj oc` eubhmrs fg JZ trijms icioe ittrikts

suspokofe is idcfrot`bs icioe ippmir tf jostrohutm

frjmrs hmtwmme hrfamrs iktoec kfddusovmdy.




Zotdm>[ukkmssgud Krusòec fg Dircm Eitovm

Kfppmr Bissms


Ipr 93, 8


61/89

79

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 9?

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 8[ukkmssgud Krusòec fg Dircm Eitovm

Kfppmr Bissms


Ipr 90, 8

Z`m jiy gfddfwoec sukkmssgud krusòec troids wmrm

ieefuekmj, t`m sìrm prokm wis icioe sfdj jfwe

rmsudtoec oe i gidd fg 97 kmets. Z`m smddoec kibm

grfb C[, KOZO, JBC iej BIKY wot` OE[Z oe

pirtokudir tircmtoec dfwmr prokms hy ikòmvoec oc`

dmvmds fg JZ trijms (o.m. :=% hut wot` fedy =% fg

t`m smddoec tìt jiy). Z`m iefbidfus smddoec hy

OE[Z wis bitk`mj hy iefbidfus JZ purkìsms hy

WOXZ], CMZKF iej BMXD gurt`mr succmstoec

kfddusofe hy oestotutofeid hrfamrs t`rfuc` t`mor

idcfrot`bs. Z`m smdd jfwe dffas òc`dy juhofus

covme t`m strfec prfcrmss rmpfrtmj hy t`m

kfbpiey.




Zotdm>@oc`-Crijm Kfppmr it Xfkadiejs [fut`


Ipr 8?, 8


62/89


63/89

7;


ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 8;

Zotdm>>Xfkadiej [fut` 98b L :.;8% KuMq


Biy ;, 8


64/89


65/89

7=

ZXIJOEC FE IEEF]EKMBMEZ JI_[KI[M 8=

Zotdm>@oc`-Crijm Xmsudts & Emw Joskfvmry ^fem


Biy 83, 8

Oestotutofeid oevmstfrs icioe s`fwmj t`mor

josjioe gfr emw jroddoec sukkmss hy jubpoec

sìrms fe emws fg ie ijjotofeid kfppmr goej.

Z`mor smddoec biams ef smesm oe tmrbs fg

cmeuoem oevmstoec. Xit`mr, ot succmsts sìrm

prokm bieopuditofe is vortuiddy idd cffj emws

ìs hmme bmt hy wivms fg smddoec. K[]O wis

t`m dmijoec smddmr hy vfdubm, wòkùeusuiddy gfr t`mb tmejmj tf ivfoj JZs oe

prokm fe Biy 83.

@oc`dy iefbidfus huyoec wis mvojmekmj hy

OE[Z wot` 0.3% fg huyoec vfdubms rmsudtoec

oe 8:.9% fg idd JZ purkìsms.




Iefbidfus dmvmds fg JZ

sidms hy BMXD & B[JS

@oc`dy iefbidfus dmvmds fg

JZ huys hy OE[Z


66/89

77

[mktofe 0.;.7

KFEZXFD FWMX KuJMKF I]KZOFE ZXIJOEC

Nieuiry t`rfuc` tf Biy 8


67/89

73

0.;.7.9.9 NIE]IX_ 8


68/89

70

0.;.7.9.8 NIE]IX_ 8


69/89

7?

0.;.7.8.9 GMHX]IX_ 8


70/89

3 Irm rmprmsmetmj hy pmrsfeid `fdjoecs fr s`irms mdj oe sbidd provitm kfbpieoms.

FGG FE EMZ

Kfrpfritm Metotoms 8,;3?,09: 8,90;,


86/89


87/89

03

]H[s òc` dmvmdfg iefbidfus JZ trijms fvmr t`m =-bfet` pmrofj os kipturmj oe t`m gfddfwoec kìrt. Z`m

eubhmr fg sbidd trijms tìt gfrkmj Jfwetokas oe prokm os mxtrmbmdy rmvmidoec. Ot òc`doc`ts trijoec t it ìs

prfvojmj jfwewirj prmssurm fe prokoec dmvmds rit`mr tìe ikòmvoec t`m hmst rmtures gfr sidms. ]H[ trijoec

strfecdy kfetrijokts t`m @oc` Kfurts kdirogokitofe fg `fw i cmeuoem smddmr os bmiet tf fpmritm oe t`m biramt.

Z`m gfddfwoec kìrt subbirozms ]H[s trijoec fvmrvirofus pmrofjs juroec t`m dist t`rmm iej i ìdg ymirs. Z`m

kfesostmetdy òc` smttdmbmet pirtokopitofe hy ]H[ [mkurotoms, jmspotm buk` dfwmr trijoec prfgodms oe t`m

biramt, os i prfboemet gmiturm fg idd trijoec. Wmry dottdm trijoec os triespirmet iej rmkfekodihdm wot`

sìrm`fdjmr bfvmbmets. Z`m triespirmeky ossum idsf ippdoms tf idd fg t`m oestotutofeid hrfamrs oekdujoec KOZO,

JBC, B[JS, BMXD, BIKY, iej C[. Ot biams sìrm prokm bieopuditofe iej biramt oetmcroty ossums mxtrmbmdy

joggokudt tf rmsfdvm uejmr kurrmet irriecmbmets ymt t`m rmcuditfr oset prmpirmj tf tiam stmps tf mesurm gudd

triespirmeky wòk` wfudj obbmjoitmdy rmbmjy t`m sotuitofe.

\mrofj% fg I[P

Zrijoec

% fg Hrfamr

[mttdmbmets

% fg

[ìrm`fdjmr

Bfvmbmets

Hrfamr Efboemm Metoty

% fg idd

Efboemm

[ìrm Gdfws

\mrofj Efv/Jmk 8


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Z`m dmijoec rfdms hy ]H[ is i emt-smddmr fg stfka, is t`m dmijoec smddmr fg Jfwetoka trijms iej oe hmoec

prfboemet oe kfetrfddoec iuktofe prokms, rmquorms kdirogokitofe t`rfuc` iujots pirtokudirdy is ots biramt sìrm

hy tftid vidum fg trijms rieamj fedy gfurt`. Idsf, ots dmvmd fg huyoec iej smddoec wis fedy irfuej i tòrj tìt

fg t`m dmijoec hrfamr (hy tftid vidum fg trijms) wòk` wis Kfbbfewmidt` [mkurotoms.

Z`m dmijoec emt-smddmrs fvmr t`m pmrofj 8


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I\\MEJOP 9[ubbiry fg Hrfamr Zrijoec Jiti Nieuiry 8

asic complaint 3

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