efu - beema samiti · 2019. 1. 7. · efu @ aldf ;ldlt dgtjo aldf k|0ffnlsf] d"ne"t p2]zo...

efu @

aLdf ;ldlt dGtJo

aLdf k|0ffnLsf] d"ne"t p2]Zo cfly{s Iflt x'Fbfsf avt xhf{gf pknAw u/fO{ aLldtnfO{ k"j{jt cfly{s cj:yfdf n}hfg' jf cfly{s ;'/If0f ug{' g} xf] . aLdf Joj;fo ;Da4 kIfx?sf aLrdf k|fljlws hl6ntf tyf kl/l:ylthGo sf/0faf6 aLds / aLldtsf aLrdf bfjL e'QmfgL ;DaGwdf ljjfb pTkGg e} cGofo k/]df jf c;xh ePdf aLldtnfO{ lgoldt cbfntsf] If]qflwsf/ cGtu{t sfo{ljlw cjnDag u/L sfg"gL k|0ffnLdf k|j]z ubf{ x'g] emGeml6nf] k|lqmof ;fy} ;do / vr{ ;d]t Hofbf nfUg] cj:yfnfO{ dgg u/L ljwflosfaf6 o; ;ldltnfO{ cw{ Goflos lgsfosf] ?kdf kl/sNkgf ul/Psf] xf] . aLdf lgodgsf/L lgsfosf] ?kdf sfo{ ug{] aLdf ;ldltn] df}h'bf sfg"gL Joj:yf, aLdfsf d"ne"t l;4fGt tyf k|fljlws tj/n] :yflkt dfkb08 / Jofjxfl/s 1fgnfO{ cfTd;ft u/L lhDd]jf/L jxg ub{} cfPsf] ;Gbe{df cfkm\gf] If]qflwsf/ cGtu{t aLdf bfjL / bfloTj lgwf{/0f k|0ffnLnfO{ ;d]t ;/n / k|efjsf/L agfO{ cfjZos lg0f{o ug{'kg{] cleef/f jxg ub{} cfPsf] 5 . pk/f]Qm kl/k|]Iodf aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] Joj:yf tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod -!_ adf]lhd aLdsn] bfloTj lgwf{/0f gu/]df jf u/] klg dsf{ kg{] u/L lgwf{/0f u/]df To;sf] sf/0f vf]nL ;ldltdf ph'/L ug{ ;Sg] sfg"gL Joj:yf adf]lhd ;ldltdf hLjg tyf lghL{jg aLdf ;Da4 bfjL ;DaGwL ph'/L bfo/ x'g] ub{5g\ . o:tf] Joj:yf adf]lhd bfloTj lgwf{/0f ;DaGwdf kg{ cfPsf] ph'/L pk/ cfjZos sf/jfxL u/L kIf÷ljkIfsf] lhls/ ;'gL, a'emL ;ldltaf6 lg0f{ox? ul/b} cfPsf] 5 . ;ldltaf6 ;do–;dodf ul/Psf lg0f{ox?sf ;DaGwdf x/]s d'2fsf] lgj]bg kqb]lv km};nf;Ddsf sf/jfxLx?sf] hfgsf/L u/fpFbf aLdf If]q;Fu ;Da4 ;a} JolQm tyf ;+:yfx?sf nflu pkof]uL / nfebfos x'g] 7fgL lg0f{o ;+u|xsf ?kdf k|sfzg ul/b} cfPsf] xf] . o; k|sf/sf] lg0f{o ;+u|x k|sfzg ug'{sf] p2]Zo ;j{;fwf/0fnfO{ o; ;DaGwL hfgsf/L lbg', clen]v ug{' / sdL sdhf]/L ePdf kf7s ju{af6 ;'emfj k|fKt u/L eljiodf ul/g] lg0f{ox?df ;'wf/ ub{} n}hfg] ;d]t /x]sf]n] ;'emfjsf] ck]Iff /fVb} cfkm\gf] sfo{sfndf o; k|sfzgnfO{ lg/Gt/tf lbg kfPsf]df v'zL JoQm ub{5' . o;} u/L o; lg0f{o ;+u|xnfO{ k|sfzg of]Uo agfpg] sfo{df ;xof]u ug{] ;ldltsf sd{rf/L / ljz]if u/L sfg"g tyf lgodg dxfzfvfnfO{ ;d]t wGojfb lbg rfxG5' .

k|f=8f= kmQ axfb'/ s]=;L= cWoIf aLdf ;ldlt

ljifo ;"rL

l;=g+=

kIfsf] gfd d'2f lg0f{o÷ldlt k]h g+=

!= j]n'g ;g /fO; g]kfn -k|f=_ ln= lj=

lb=cf]l/o06n O=s+=ln=, sf7df08f}+

t];|f] kIf aLdf bfjL

aLdf ;ldlt @)%#.)*.!&

!

@= Uff]ljGb /fd cu|jfn lj=

lb=cf]l/o06n O=s+=ln

Dff]6/ aLdf bfjL aLdf ;ldlt @)%#.!).!)

%

#= /d]z >]i7 lj=

o"gfO6]8 O=s+=-g]kfn_ ln= sf7df08f}=

JolQmut b'3{6gf -dhb'/_ aLdf

aLdf ;ldlt @)%#.)*.!&

*

$= kfyLe/f h'6 O=k|f=ln= lj=


clUg aLdf bfjL aLdf ;ldlt @)%#.!@.!$

!!

%= o"gfO6]8 O=s+=-g]kfn_ ln= sf7df08f}=

lj= kfyLe/f h'6 O=k|f=ln=

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%%.)@.!*

!$

^= sf]zL a; Joj;foL ;+3 k|=sf=sf=, lj/f6gu/

lj= lb=cf]l/o06n O=s+=ln=, sf7df08f}}+

b'3{6gf aLdf bfjL aLdf ;ldlt @)%%.)$.@@

!*

&= ldlynf >]i7, 9'ËfvfgL, nlntk'/ lj=

/fli6«o aLdf ;+:yfg, sf7df08f}+

u|fx:y{ aLdf bfjL aLdf ;ldlt @)%%.)%.@!

@@

*= u/aLb]jL nfdf, jL/u+h, k;f{ lj=


b'3{6gf aLdf bfjL aLdf ;ldlt @)%(.)(.)^

@*

(= lb=cf]l/o06n O=s+=ln=, sf7df08f}}+ lj=

a]n'g ;g /fO{; g]kfn k|f=ln=

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%%.)%.@!

#$

!)= l8=P;= sG:6«S;g s+=k|f=ln= lj=

lk|ldo/ O=s+=-g]kfn_ ln=, sf7df08f}+

7]s]bf/ ;Dk"0f{ hf]lvd aLdf bfjL

aLdf ;ldlt @)%%.!!.!*

#*

!!= u|'k $ ;]So"l/l6h, afF;af/L t];|f] kIf aLdf aLdf ;ldlt $#

lj= o"gfO6]8 O=s+=-g]kfn_ ln= sf7df08f}=

bfjL @)%%.!!.@#

!@= cGgk"0f{ 6]S;6fOn ln=, sf7df08f}+ lj=

lb=cf]l/o06n O=s+=ln=, sf7df08f}}+

d]l;g/L a|]s8fpg aLdf bfjL

aLdf ;ldlt @)%%.!@.)!

$*

!#= /fli6«o aLdf ;+:yfg, sf7df08f}+ lj=

ldlynf >]i7, 9'ËfvfgL, nlntk'/

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%^.)*.@!

%&

!$= lxdfno c6f] O=-k|f=_ ln=, la/f6gu/

lj= g]zgn O=s+=ln=, sf7df08f}+

clUg aLdf bfjL aLdf ;ldlt @)%^.!@.)^

^$

!%= l8=P;=sG:6«S;g s+=ln= lj=

lk|ldo/ O=s+=-g]kfn_ ln=,sf7df08f}+

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%&.)%.@^

^^

!^= u|'k $ ;]So"l/l6h, afF;af/L lj=

o"gfO6]8 O=s+=-g]kfn_ ln= sf7df08f}+

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%*.)%.@*

&@

!&= lb=cf]l/o06n O=s+=ln=, sf7df08f}+ lj=

cGgk"0f{ 6]S;6fOn ln=, sf7df08f}+

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)%*.)^.!%

&^

!*= Go" dfdf vfhf pBf]u, gofF ahf/, sf7df08f}+

lj= PnfOG; O=s+=ln=, sf7df08f}+

;fd'lb|s aLdf bfjL aLdf ;ldlt @)%(.)(.!@

*$

!(= /fh]Gb| k|;fb pkfWofo, sfe|] lj=

PnfOG; O=s+=ln=, sf7df08f}+

clUg aLdf bfjL aLdf ;ldlt @)%(.)(.!@

*&

@)= rGb| b]j e§, b}n]v lj=


Dff]6/ aLdf bfjL aLdf ;ldlt @)%(.)(.@^

(!

@!= :jb]zL s]a'n O=k|f=ln=, sf7df08f}+ lj=

g]zgn O=s+=ln=, sf7df08f}+

gub aLdf bfjL aLdf ;ldlt @)%(.)(.@^

($

@@= :jb]zL s]a'n O=k|f=ln=, sf7df08f}+

lj= g]zgn O=s+=ln=, sf7df08f}+

gub aLdf bfjL aLdf ;ldlt @)%(.)(.@^

(^

@#= z/0f axfb'/ sfsL{, w/fg, ;'g;/L lj=


Dff]6/ aLdf bfjL aLdf ;ldlt @)%(.!).@$

(*

@$= Affa' /a/ P08 Knfli6s O=k|f=ln= a'6jn


clUg aLdf bfjL aLdf ;ldlt @)%(.!).@$

!)!

@%= /fhg >]i7, sf7df08f}+ lj=

g]zgn nfOkm P08 h=O=s+=ln= sf7df08f}+

Dff]6/ aLdf bfjL aLdf ;ldlt @)%(.!).@$

!)%

@^= /fh]z d]6n qmfK6\; ln=, sf7df08f}+

lj= Pe/]i6 O=s+=ln=, sf7df08f}+

:6«f]d aLdf bfjL aLdf ;ldlt @)%(.!).@$

!!)

@&= Aff/fxL art tyf C0f ;xsf/L ;+=ln= eQmk'/


Dff]6/;fOsn aLdf bfjL

aLdf ;ldlt @)%(.!!.!$

!!#

@*= c?0ff]bo l8li6«n/L k|f=ln= lj=


;]+wdf/L aLdf bfjL aLdf ;ldlt @)%(.!@.@)

!!^

@( x/lht kf08], af;'lnË a}t8L lj=


clUg aLdf bfjL aLdf ;ldlt @)^).)!.@%

!!(

#)= uf]kLs[i0f d'leh -k|f=_ln= sf7df08f}+

lj= g]kfn O=s+=ln=

clUg aLdf bfjL aLdf ;ldlt @)^).)!.@%

!@&

#!= d]6«f] 6«]l8Ë xfp;, lrtjg lj=


Dff]6/ aLdf bfjL aLdf ;ldlt @)^).)@.#)

!#)

#@= xl/ z+s/ uNnf e08f/, s}nfnL lj=


clUg aLdf bfjL aLdf ;ldlt @)^).)@.#)

!#&

##= 6'Ë/fh kf7s, hf]/kf6L, sf7df08f}+ lj=

;u/dfyf O=s+=ln=, sf7df08f}+

clUg aLdf bfjL aLdf ;ldlt @)^).)$.@^

!$@

#$= g]kfn On]lS6«s e]lxsn O=k|f=ln= lj=

Dff]6/ aLdf bfjL aLdf ;ldlt @)^).)$.)(

!$%


#%= cGhgf 9'Ëgf, lj/f6gu/, df]/Ë lj=

lk|ldo/ O=s+=-g]kfn_ ln=, sf7df08f}=

t];|f] kIf aLdf bfjL

aLdf ;ldlt @)^).)$.)(

!$(

#^= s[i0f k|;fb pk|]tL, wflbË lj=


Dff]6/ aLdf bfjL aLdf ;ldlt @)^).)$.)(

!%@

#&= PnfOG; O=s+=ln=, sf7df08f}+ lj=


lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)^).)%.)%

!%^

#*= PnfOG; O=s+=ln=, sf7df08f}+ lj=

Aff/fxL art tyf C0f ;xsf/L ;+=ln= eQmk'/

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)^).)&.@!

!%(

#(= 6'Ë/fh kf7s, hf]/kf6L, sf7df08f}+ lj=


lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)^!.)*.!*

!^#

$)= /fli6«o aLdf ;+:yfg, sf7df08f}+ lj=

xl/ z+s/ uNnf e08f/, s}nfnL

lg0f{o ab/ k'g/fj]bg cbfnt kf6g @)^@.)@.!&

!^#

$! /fli6«o aLdf ;+:yfg, sf7df08f}+ lj=

xl/ z+s/ uNnf e08f/, s}nfnL

lg0f{o ab/ ;jf{]Rr cbfnt kf6g @)^#.!!.@!

!^*

lgj]bssf] gfd ljkIfL a]n'g ;g /fO; g]kfn -k|f_ ln= lb cf]l/o06n OG:of]/]G; sDkgL ln= xfQL;f/, sf7df8f}+ sflGtky, sf7df08f}+ .

d'2fM– Ifltk"lt{ bfjL af/] . o; ;ldltdf k|fKt a]n'g ;g/fOh g]kfnsf] ldlt )%#÷$÷!) sf] Ifltk"lt{ bfjL af/] ljifosf] lgj]bg ;DaGwdf ;ldltaf6 cfjZos sf/jfxL eO{ k]z x'g cfPsf] aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8af6 hf/L ePsf] aLdfn]v g+= #)(÷aL cf] cfO{÷)÷!!%^÷ P=eL=÷!÷(%–(^ aLldt a]n'g ;g/fOh g]kfn /x]sf] of] ljjfbdf kmfOn ;+nUg ;Dk"0f{ sfuhft cWoog ubf{ b]xfo adf]lhd eP u/]sf] kfOof] . != ldlt )%#÷$÷!) sf] aLldt a]n'g ;g/fOh g]kfnsf] Ifltk"lt{ bfjL af/] lghsf] ph'/L lgj]bg tyf ;+nUg

sfuhft . @= ldlt )%#÷$÷!$ sf] ;ldltsf] kqaf6 aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8nfO{ aLdf bfjLsf]

Ifltk"lt{ s] slt sf/0fn] gul/Psf] xf] ;f] sf] ;fy} pQm aLdfn]v k|lt nufot tT;DaGwdf eP u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuhft k]z ug{ lgb{]zg .

#= ldlt !@÷*÷!((^ sf] aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8sf] lnlvt hjfkm tyf ;+nUg aLdfn]v ;DaGwL d"n kmfOn .

$= ldlt )%#÷%÷@# sf] ;ldltsf] Ifltk"lt{ bfjL af/] ljifosf] kqåf/f aLldt a]n'g ;g /fOh g]kfn k|f=ln= nfO{ k]z ug{] lgb{]zg .

%= ldlt )%#÷^÷!$ sf] aLldt a]n'g ;g /fOh g]kfnsf] kqdf ;ldltsf] ldlt )%#÷%÷@# sf] kqåf/f dfu ul/Psf] hfgsf/L k]z ul/Psf] Joxf]/f tyf ;+nUg sfuhft .

^= ;ldltsf] ldlt )%#÷^÷#) sf] kqaf6 aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=nfO{ t];|f] kIf cGtu{t kg{

cfPsf bfjLx?df Excess s§f u/L x'g cfpg] /sd bfloTj lgwf{/0f lsg gug{] ;f]sf] lnlvt hjfkm k|df0f

;d]t k]z ug{ lgb]{zg . &= ldlt @(÷!)÷(^ sf] aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8sf] kqaf6 ;ldltsf] ldlt )%#÷^÷#)

sf] kqsf] hjfkm . *= ldlt )%#÷*÷@ sf] ;ldltsf] kqaf6 bfjL e"QmfgL ug{ gkg{] s'g} k|df0f jf tYo eP cfkm\gf] ;kmfO{ k]z

ug{ eGg] ;d]t Joxf]/fsf] aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8nfO{ lgb]{zg . (= ldlt @%÷!÷!((^ sf] aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8sf] kqåf/f ;ldltsf] ldlt

)%#÷*÷@ sf] kqsf] hjfkm . !)= o; k|sf/ ;Dk"0f{ ldl;n ;+nUg sfuhft cWoog ubf{ t];|f] kIf cGtu{tsf oL bfjLx? Admitted liability

xf] xf]Og eGg] d'Vo ljjfb /xL cfPsf] kfOof] / o; ;DaGwdf aLdsn] Admitted liability xf]Og eGg] ts{ lbb} bfjLx? valid claim xf]Og eGg] pNn]v ug{'sf ;fy} a]n'g cjt/0fsf] nflu lglZrt tf]lsPsf] :yfg gePsf] sf/0f ;fdfGo ?kdf cjt/0f ubf{ ePsf] Ifltsf] bfloTj ltg{' gkg{] ;d]t pNn]v ub{} aLdf bfjLsf] bfloTj c:jLsf/ u/]sf] ;DaGwdf ldlt !%÷$÷(^ sf] kqaf6 aLdsn] ;e{] u/L xfgL–gf]S;fgLsf] d"NofÍg ug{ gkfPsf] ;d]t Joxf]/f pNn]v u/L Ifltk"lt{ bfloTj c:jLsf/ u/]sf] 5 eg] aLdss} ldlt @%÷^÷!((^ sf] kqdf aLldtåf/f Pstkm{ ?kdf e'QmfgL ul/Psf] Ifltk"lt{ a]n'gsf] b'3{6gfsf] sf/0f gePsf] ;d]t Joxf]/f

pNn]v u/L bfjLsf] bfloTj c:jLsf/ ul/Psf] b]lvG5 eg] aLldtsf] egfO{tkm{ x]bf{ aLdfn]vdf g} ;fdfGotof ?=@),)))÷–-aL; xhf/_ aLdsn] t];|f] kIfaf6 kg{ cfPsf] bfjL af/] cflwsfl/s JolQmaf6 k|dfl0ft u/L sfuhft k]z u/]df pQm bfjL aLdsn] lbg]5 egL :jLsfl/Psf] ?kdf aLdsn] :jLsf/ u/]sf] aLdf clen]vdf k|:6 ?kdf pNn]lvt ePsf]n] ;e{]o/ v6fO/xg' gkg{] tyf aLdsn] cfkm\gf] P8ld6]8 nfoljln6L ;d]taf6 7f8} j]jf:tf u/L ljleGg jxfgf agfO{ cfkm\gf] lhDd]jf/Laf6 klG5g vf]h]sf] ;d]tsf] Joxf]/fsf ;fy} j]ng'sf] cjt/0f ug{] sltko lglb{i6 v'nf :yfg /x]sf] df}lvs hfgsf/L lbPsf] aLdsn] lnlvt ?kdf p8fg Pj+ cjt/0f 7fpFsf] gfd dfu gu/]sf]n] df}lvs ?kdf g} hfgsf/L u/fPsf] eGg] ;d]t Joxf]/f 5 eg] aLldt s} ;f] ldltsf] kqdf tyf )%#÷$÷!) sf] kqdf Ifltk"lt{sf] /sd oyflz3| lbnfO{ kfpg eGg] ;d]t Joxf]/f /x]sf] b]lvg cfPsf] cj:yfdf aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8af6 hf/L ePsf] aLdfn]v g+= #)(÷aL cf] cfO{÷)÷!!%^÷P eL÷!÷(%–(^ aLldt a]n'g ;g/fOh g]kfn

pNn]lvt aLdf n]vdf yk ul/Psf] excess clause sf] Joj:yf u/L ;f]sf] cy{ nufpg' kg{] blvof] .

!!= o;y{ pQm bkmf tkm{ x]bf{ ;f] bkmf aLdfn]vdf yk ul/Psf] kfOG5 eg] ;f] bkmfnfO{ cWoog ubf{ pQm bkmf yk u/L aLdsn] yk bfloTj (admitted liability) :jLsf/ u/]sf] b]lvG5 . olb pQm bkmf yk gul/Psf] eP aLdssf] egfO{ cg'?k ;e{] ug{ kfpg' kg{]sf ;fy} sfg"gL bfloTj (Legal Liability) cGtu{tsf] bfjL eGg]

s'/fdf s'g} z+sf /xg] lyPg . t/, yk ul/Psf] clause df reimbersed eGg] zAb pNn]v ul/Psf] ;d]t

b]lvG5 . o;/L ;fgf bfjLx?sf ;DaGwdf ;e{] nufotsf sfo{df nfUg] nfut sd u/L aLldtnfO{ ljz]if ;'ljwf k|bfg ug{ Joj:yf ul/Psf] pQm bkmfn] ;e{] ug{ kfpg' kg{] jf aLldtn] ;dodf g} ;"rgf ug{' kg{] h:tf k|fjwfgnfO{ lj:yflkt u/]sf x'Fbf pQm Excess clause df pNn]v ul/P adf]lhdsf lgsfoaf6 sfuhft k]z x'g cfP kl5 aLldtnfO{ ;f]xL clause df ePsf] reimbersed eGg] zAb adf]lhd ;f]wegf{ jfktsf] /sd e'QmfgL ug'{ kg{]df j]n'gsf] b'3{6gfdf Iflt gePsf] eGg] ;d]tsf cfwf/df t];|f] kIfsf] bfjL ltg{ c:jLsf/ u/]sf] b]lvG5 .

o;/L aLdfn]vdf k|i6 pNn]v ePsf zAbx?sf] cGoyf cy{ nufO{ ;e{] ug{ gkfPsf] tyf j]n'gsf] b'3{6gfsf] sf/0faf6 Iflt gePsf] ;fy} aLldtn] ;dodf ;"rgf gu/]sf] egL j]n'gsf] lglZrt cjt/0f :yn ;d]t gePsf] sf/0f b]vfO{ aLdf bfjLnfO{ valid claim xf]Og eGg] cy{ ub{} pQm yk ul/Psf] bkmf admitted

liablility gePsf] lhls/ lnPsf] b]lvG5 hasL aLldtsf] egfO{ cg'?k cjt/0f :yn lglb{i6 v"nf :yfg /xg] hfgsf/L df}lvs ?kdf aLdsnfO{ lbPsf] tyf p8fg tyf cjt/0f ug{] 7fFpsf] gfd aLdsn] lnlvt ?kdf dfu gu/]sf] eGg] ;d]t Joxf]/f /x]sf] aLdfn]vn] general excess cGtu{t kg{] $, % / * sf] k|fjwfg x6fOPsf] b]lvPsf] cj:yfdf aLdsnfO{ j]n'g cjt/0f ;fy} aLdf bfjL c:jLsf/ ug{ k/]sf] sf/0f leGg ldltdf leGg leGg b]lvg' ;ldltaf6 dfu ul/Psf lnlvt hjfkm tyf bfloTj ltg{ gkg{] s'g} tYo jf k|df0f k]z u/L ;kmfO{ lbg n]lvPsf]df ;d]t alnof] k|df0f k]z ug{ gkg{] egL dfq j]n'gåf/f ePsf] Ifltx? s'g} jfWo sf/0fn] gePsf] pNn]v ub{} k"j{ kqx?af6 v'n:t kfl/;s]sf] hfgsf/L lbOPsf] 5 hasL ;ldltsf] ldlt )%#÷*÷@@ sf] kqdf aLdsn] Ifltk"lt{ bfjL e"QmfgL ug{ gkg{] s'g} cfwf/e"t tYo k|df0f k]z ug{ ;s]sf] b]lvPg egL ;f] k]z ug{ eGg] pNn]v 5 .

!@= o; k|sf/ lg0f{o tkm{ ljrf/ ubf{ o; j]n'g ;g /fOh g]kfnsf] aLdf bfjL ;DaGwdf t]>f] kIfsf] xfgL–gf]S;fgL j]n'gsf] sf/0f (arising out of aircraft) xf] xf]Og eGg] s'/fn] d"Vo e"ldsf v]Nb5 lsgls of] aLdfn]vdf aircfaft eGgfn] j]n'g a'lemG5 / t];|f] kIfsf] xfgLsf] ;DaGw Ifltk"lt{;Fu /xG5 ls b'3{6gfsf]

sf/0f;Fu < t;y{M j]n'gsf] k|of]usf] sf/0faf6 ePsf] t>f] kIfsf] Ifltk"lt{sf] bfloTj pNn]lvt aLdfn]vdf yk ul/Psf] excess clause cg'?k yk bfloTj (adimitted liabilitiy) ePsf] x'Fbf ;f]xL Clause df Joj:yf eP adf]lhdsf lgsfoaf6 k|dfl0ft eO{ k]z x'g cfPsf t]>f] kIfsf bfjLx? aLdsn] aLldtnfO{ ;f]w egf{ ug{' kg{] b]lvg cfPsf]n] aLdf P]g, @)$( sf] bkmf !& tyf ;f]xL P]gsf] bkmf * -3!_ df ePsf] clwsf/ k|of]u u/L aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8nfO{ aLdfn]v g+= #)(÷aL cf] cfO{÷)÷!!%^÷PeL÷!÷(%–(^ aLldt a]n'g ;g/fOh g]kfn -k|f=_ ln= sf] t];|f] kIf bfjLsf] bfloTj aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd k'gM lgwf{/0f u/L bfjL e'QmfgL ug{' egL aLdf lgodfjnL @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg' ;fy} o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6gdf k'g/fj]bg ug{' egL hfgsf/L lbg ;d]t cfb]z ul/G5 .

Olt ;Djt\ @)%# ;fn d+l;/ !& ut] /f]h $ z'ed\ .=============

lgj]bssf] gfd aLdssf] gfd uf]ljGb /fd cu|jfn lb cf]l/o06n OG:of]/]G; sDkgL ln= kf]=a=g+=%@, lj/f6gu/ -g]kfn_ sflGtky, sf7df08f}+ .

d'2f M– df]6/ aLdf bfjL af/] . o; ;ldltdf k|fKt ldlt @)%@÷!@÷$ sf] uf]ljGb /fd cu|jfnsf] ph'/L lgj]bg ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] k|:t't df]6/ aLdf bfjL ;DaGwL ljjfbdf b]xfo adf]lhd eP u/]sf] kfOof] . != ldlt @)%@÷!@÷$ sf] lgj]bs uf]ljGb /fd cu|jfnsf] lgj]bgdf lb cf]l/o06n OG:of]/]G; sDkgL

lnld6]8af6 hf/L ul/Psf] aLdfn]v g+=#)(÷lj/f6÷!#÷#!*÷lk ;L÷!))*÷(#÷($ cGtu{t aLdf ul/Psf] ;jf/L ;fwg g+=h=c=r=@)! sf] ldlt !%÷&÷!(($ df ef/tsf] gfnaGbL -;f]gfk'/_ df b'3{6gfdf k/]sf] . b'3{6gf ;dodf 8«fOe/sf] nfO;]G; j}w gePsf] x'gfn] ef/tLo df]6/ uf8Lsf] lgod cg';f/ aLdsn] aLdf bfjL /2 ul/lbPsf] . aLdfn]vdf ef/tLo df]6/ uf8L sfg"g, !(#( nfu" x'b}g elg csf{]lt/ ToxL ef/tLo df]6/ uf8L sfg"gsf] cfwf/df bfjLnfO{ /2 ul/Psf] . g]kfndf aLdfn]v hf/L ul/Psf]n] ef/tLo df]6/ uf8L sfg"g nfu" x'g' x'Fb}g . aLdfn]vdf rfns ;DaGwdf :ki6 ?kn]M– rfn lgDg dWo]M– æ-s_ s'g} JolQm of] klg k|aGw ul/Psf] 5 ls b'3{6gfsf] ;dodf j}w rfns cg'dlt kq k|fKt u/]sf] JolQm jf :yfoL rfnssf] cg'dlt kq k|fKt u/]sf] -l;sf? rfnssf] cg'dlt kq k|fKt u/]sf] afx]s_ / o:tf] cg'dlt kq /fVg jf k|fKt ug{ cof]Uo g7xl/Psf] .Æ pNn]v ePsf]÷;jf/L rfnssf] cg'dlt kq :yfoL xf] . pQm rfns ;jf/L rfns cg'dlt kq /fVg jf k|fKt ug{ cof]Uo g7l/Psf] cg'dlt kqsf] gljs/0f eO;s]sf] . bfjL plrt ePsf] x'Fbf bfjLnfO{ aLdsaf6 oyflz3| km5Øf}{6 u/fO{ aLdf /sd lbnfO{ lbg' x'g eGg] Joxf]/fsf ;fy aLdfn]v k|lt aLdssf] ldlt km]a|'j/L @%, !((^ sf] kq ;d]t ;+nUg /fvL lgj]bg u/]sf] kfOG5 .

@= ldlt )%@÷!@÷!! sf] ;ldltsf] kqaf6 pNn]lvt aLdf bfjL s] slt sf/0fn] c:jLs[t ul/Psf] xf] ;f] lnlvt hjfkmsf ;fy bfjL ;DaGwL ;Dk"0f{ sfuhft ;d]t k]z ug{ lgb{]zg lbOPsf] b]lvof] .

#= ldlt )%@÷!@÷!! sf] ;ldltsf] kqsf] k|To"Q/df lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8sf] ldlt @(÷#÷!((^ sf] kqdf bfjL ;DaGwL sfuhft 5fgjLg ubf{ pQm ;jf/L ;fwg g+= h=c=r=@)! sf] ;jf/L btf{ k|df0f–kq ldlt @)$(÷!!÷!@ sf] -@#÷#÷(#_ df >L s[i0f k|;fb b'Ëfgfsf] gfddf hf/L ePsf] . ldlt @)%!÷^÷!* -$÷!)÷($_ df pQm uf8Lsf] gDa/ kl/jt{g eO{ sf] c=r= !!)& ePsf] ;DalGwt aLdfn]v h=c=r= @)! sf] nflu hf/L ePsf] / aLdf cjlw #)÷&÷(# b]lv @(÷&÷($ ;Dd ePsf]df uf8L gDa/ kl/jt{g ePsf] ;"rgf laldtn] aLdsnfO{ glbPsf] ;f] ;DaGwdf aLdsn] s'g} Endorsement hf/L gu/]sf] . o;} u/L ;jf/L rfns k|df0f–kq ldlt @)$(÷(÷& b]lv @)%)÷*÷$ ;Ddsf] nflu gljs/0f ePsf]df & dlxgf kl5 @)%!÷!@÷& b]lv @)%^÷!@÷^ ;Ddsf nflu gjLs/0f ul/Psf] . b'3{6gf ;dodf pQm ;jf/L rfns cg'dlt kq j}w÷nfu" g/x]sf] pQm uf8Lsf] /fhZj btf{ cflb ;d:ofn] uf8L ef/tdf dfq rnfpg] ul/Psf] . ldlt @)%!÷#÷#!-!%÷&÷($_ df gfnfjf/Ldf b'3{6gf ePsf] . ef/tdf b'3{6gf ePsf]n] ef/tLo df]6/ uf8L lgod (Motor Vehicles Rules of India) nfu" x'g] . ;f] lgod cg'?k

b'3{6gfsf] ;dodf ;jf/L rfns k|df0f–kq nfO{ dfGotf glbPsf] eGg] Joxf]/f ;d]t pNn]v ub{} ;f]xL sf/0f aLdf bfjL c:jLs[t ul/Psf] Joxf]/f 5 .

$= aLldltsf ljleGg ldltsf tfs]tf kqx? . %= ldlt @)%#÷(÷# df aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -#_ adf]lhd Ifltk"lt{ bfjL

e'QmfgL ug{ gkg{] s'g} k|df0f jf tYo eP cfkm\gf] ;kmfO{ k]z ug{ ;ldltaf6 aLdsnfO{ ePsf] cfb]z . ^= ldlt @$÷!@÷!((^ sf] aLdssf] kqaf6 ldlt @(÷#÷!((^ sf] kqaf6} ;Dk"0f{ ;kmfO{ k]z ul/Psf]

hfgsf/L . o;/L ef/tdf b'3{6gf ePsf] / ;f] bfjLsf ;DaGwdf bfjL OGsf/ ul/Psf] ldlt km]a|'c/L @%,!((^

sf] aLdssf] kqdf /x]sf] ;jf/L rfns cg'dlt kq j}w gePsf] sf/0f aLdf bfjL c:jLs[t ul/Psf] eGg] Joxf]/f 7Ls eP gePsf] ;DaGwdf ljjfb /x]sf] kfOof] .

&= o; ;DaGwdf hf/L ePsf] aLdf n]v g+=#)(÷lj/f6÷!#,#!*÷la;L÷!))*÷(#÷($ df Motor Vehicle Act, 1939 is not applicable in Nepal. pNn]v ePsf] ;jf/L rfns ;DaGwdf Driver Any of the following (a) Any person provided that the person driving had a valid driving license at the time of the accident or had held a permanent driving license (other then a learners license) and is not disqualified from holding or obtaining such a license ;d]t pNn]v ePsf] b]lvG5 . rfns cg'dlt kq ;DaGwdf k|rlnt

sfg"gL Joj:yf tkm{ x]bf{ ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf %^ sf] pkbkmf -!_,-@_,-#_ / -$_ tt\;DaGwL Joj:yf ePsf] kfOG5 .

o; k|sf/ aLdfn]vdf ;jf/L rfns ;DaGwdf ePsf] Joj:yf, ef/tLo df]6/ uf8L sfg"g nfu" gx'g] k|fjwfg, ef}uf]lns If]q cGtu{t ef/t ;d]t ;dflji6 ul/Psf] / ;jf/L rfns gjLs/0f ;DaGwdf k|rlnt ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf %^ sf] pkbkmf -!_ df rfns cg'dlt kqdf n]lvPsf] Dofb gf3]sf] tLg dlxgf leq To:tf] rfns cg'dlt kq gjLs/0f u/fO;Sg' k5{ eGg] / ;f]xL bkmfsf] pkbkmf -$_ df pkbkmf -!_ adf]lhd Dofb gf3L rfns cg'dlt kq gjLs/0f u/fpg cfpg] rfnsaf6 kfFr jif{;Dd kfFr ;o k|ltzt yk b:t'/ lnO{ To:tf] rfns cg'dlt kq gjLs/0f ug{'k5{ ;d]t Joj:yfsf ;fy} ;f]xL bkmfsf] pkbkmf -#_ df csf{] kfFr jif{;Ddsf] nflu gjLs/0f ug{'k5{ egL ls6fgL Joj:yf ePsf] cj:yfdf rfns cg'dlt kq ;q -!&_ dlxgf kl5 gjLs/0f u/fPsf]n] aLdf bfjLsf] bfloTjaf6 pGd"lQm kfpg aLdfn]vdf rfns ;DaGwdf ul/Psf] Joj:yf / k|rlnt sfg"gaf6 ;d]t ldNg] b]lvPg . ef/tdf b'3{6gf ePsf] sf/0f ef/tLo lgod nfu" x'g] ;DaGwdf aLdfn]vdf ;f] sfg"g nfu" gx'g] pNn]v x'gsf ;fy} ef}uf]lns If]q cGtu{t ef/t ;d]t kg{] cj:yfdf b'3{6gf ef/tdf ePsf] / ;f] rfns cg'dlt kq ef/tLo lgod cg'?k j}w gePsf]df ;f] rfns cg'dlt kqsf] xsdf ;f] k|fjwfg nfu" eO{ ;jf/L rfnsnfO{ sf/jfxL x'g ;Sg] cj:yf;Dd l;h{gf x'g ;Sg] ePtfklg aLldtsf] Iflt;+u ;f] k|fjwfgnfO{ cfslif{t ug{ aLdfn]vdf pNn]lvt rfns ;DaGwL Joj:yfn] ;d]t ldNg] b]lvPg . t;y{M aLdsn] bfoLTj c:jLsf/ u/]sf] dgfl;j gb]lvPsf]n] pQm aLdfn]v g+=#)(÷lj/f6÷!#÷#!*÷la;L÷!))*÷(#÷($ cGtu{tsf] Sn]d g+= #)(÷lj/f6÷Pd eL÷(÷($–(% sf] aLdf bfjLsf] bfloTj aLdsn] aLdfn]vsf zt{ tyf ;'ljwfsf clwgdf /lx ;e{]o/ P;=s]= dfemLsf] ldlt #)÷*÷($ sf] ;e{] k|ltj]bgdf pNn]lvt d"NofÍg adf]lhdsf] bfloTj

:jLsf/ ug{' kg{] b]lvPsf]n] ;f] adf]lhd k'gM bfloTj lgwf{/0f u/L aLldtnfO{ bfjL e'QmfgL ug'{ egL aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg'sf ;fy} o; lg0f{o pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6gdf k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 .

Olt ;Djt\ @)%# ;fn df3 dlxgf !) ut] /f]h % z'ed\=======

lgj]bssf] gfd aLdssf] gfd /d]z >]i7 o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ln= ;jf/L Joj:yfks sf7df08f}+ . af=c=v=$(%(

d'2f M– JolQmut b'3{6gf -dhb'/ aLdf_ bfjL af/] . o; ;ldltdf k|fKt aLldt lgj]bs /d]z >]i7sf] ldlt @)%#÷*÷!& sf] lgj]bg pk/ cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjL ;DaGwdf kmfO{n ;+nUg sfuhft cWoog ubf{ b]xfo adf]lhd eP u/]sf] kfOof] . ldlt @)%#÷*÷!& sf] laldt /d]z >]i7sf] k"0f{ aLdf /sd ?=&%,)))÷– lbnfO{ kfpF eGg] ;d]t lgj]bgsf] Joxf]/f . ;ldltsf] ldlt @)%#÷(÷& sf] kqaf6 ;f] aLdf bfjL ;DaGwdf lnlvt hfgsf/Lsf ;fy bfjL ;DaGwL sfuhft k]z ug{ aLdsnfO{ lgb{]zg lbPsf] b]lvG5 . ;ldltsf] pNn]lvt kqsf] k|To"Q/df bfjL ;DaGwL sfuhft ;d]t ;+nUg u/L k7fPsf] ldlt @)%#÷(÷@@ sf] aLdssf] kqdf pQm bfjLdf aLldt /d]z >]i7sf] aLdfof]Uo lxt sfod gePsf] . pQm a;sf dflns k|sfz l;+6f}nf ePsf] pNn]v ug{'sf ;fy} bfjL ;DaGwdf ;xof]usf] efjgf /fVg] ljz]if clwsf/ k|of]u u/L clwsQd &%Ü dfq lbg ;lsg] cj:yf ePsf] . kLl8t kIf / dWo pkTosf a; Joj;foL ;+3;+u cfk;L 5nkmndf aLdssf] tkm{af6 &%Ü / afFsL a; dflnsaf6 Joj;foL ;+3n] c;'n pk/ ul/lbg] ;xdlt eO{ lg0f{o u/L ;xdlt kq ;d]t lnOPsf] / kLl8t / Joj;foL ;+3 b'j}n] /sd k|fKt ef}r/df ;lx5fk u/]sf] pNn]v ub}{ ;f] uf8Lsf] Jofks aLdf lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ ln=df k|sfz l;6f}nfsf] gfddf ePsf]df uf8Lsf] / sG8S6/ ;d]tsf] Ifltk"lt{ lnO{ ;s]sf] eGg] ;d]t Joxf]/f /x]sf] kfOG5 . aLdssf] ldlt @)%#÷(÷@@ sf] kq;fy ;+nUg sfuhft cWoog u/L x]bf{ laldt /d]z >]i7sf] gfddf ;jf/L ;fwg g+= $(%( sf] sd{rf/L sfdbf/sf] aLdf, aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln= åf/f hf/L ul/Psf] se/gf]6 g+= !)%$@ cGtu{t aLdf ePsf] / pQm se/gf]6 cGtu{t pQm sG8S6/sf] xsdf ?= &%,)))÷– aLdfÍ sfod ePsf] ;d]t kfOG5 eg] aLdf cjlw ldlt @)%@÷!)÷!$ b]lv ldlt @)%#÷!)÷!# ;Dd ePsf] b]lvG5 . o;} aLr ldlt @)%#÷#÷& sf lbg ;f] ;jf/L ;fwgdf sfo{/t /x]s} cj:yfdf b'3{6gfdf k/L s08S6/ s[i0f v8\sfsf] d[To" ePsf] / ;f] sf] Ifltk"lt{ lgh d[tssf] >Ldlt zf/bf v8\sfnfO{ lbg' egL laldt /d]z >]i7n] aLds ;dIf kqfrf/ u/]sf] ;d]t kfOof] . o;} ;Gbe{df pQm ;jf/L ;fwgsf dflns /d]z >]i7 geP/ k|sfz l;6f+}nf ePsf] uf8L ;+rfng ;DaGwL ;Dk"0f{ sfo{ lgh /d]z >]i7n] ug{] egL s'g} lnlvt s/f/ ePsf] ;"rgf ;d]t g/x]sf] . sfg"gL ?kn] /d]z >]i7 ;f] uf8Laf6 x'g cfPsf] Iflt k|lt hjfkmb]lx gx'g] tyf k|sfz l;6f}+nfn] aLdf gu/fPsf] x'Fbf e'QmfgL ug{ jfWotf g/x]sf] egL aLdsn] k=;=##%÷(^÷(& sf] kqaf6 aLldt /d]z >]i7nfO{ hfgsf/L lbPsf] b]lvG5 . ldlt @)%#÷&÷! df se/gf]6 g+= !)%$@ cGtu{t ;dflji6 ePsf s08S6/ s[i0f v8\sfsf] d[To" ePsf] ;DaGwdf ?= %^,@%)÷– lghsf] sfg"gL xsjfnfnfO{ e'QmfgL ug{ ;xdlt JoQm ub{5f}+ egL dWo pkTosf a; Joj;foL ;+3n] ;xdlt kq (Letter of undertaking) df x:tfIf/ u/L eljiodf s'g} ljjfb pTkGg ePdf aLdsnfO{ s'g} klg bfloTjaf6 pGd"lQm lbg] s'/fdf ;xdlt ;d]t hgfPsf] sfuh ;+nUg /x]sf] kfOG5 . o;} u/L ldlt @)%#÷^÷! sf] ?= %^,@%)÷–sf] l8:rf{h ef}r/ tyf ;f]xL ldltsf] ?= %^,@%)÷–sf] r]s k7fPsf] kq ;d]t ;+nUg /x]sf] b]lvG5 . ;f]xL ldlt @)%#÷(÷@@ sf] kq;fy ;+nUg @)%# ;fn dfu{ !# ut] a; dflns -af=c=v=$(%(_ k|sfz l;6f}+nf tyf /d]z >]i7sf aLr pQm a; 7]Ssfdf rnfpg ul/Psf] s/f/gfdf / ;f] s/f/gfdfsf] zt{ g+= # df uf8Lsf] ;+rfng tyf aLdf ug{] ;d]tsf sfo{ /d]z >]i7n] ug{] egL pNn]v ePsf] kfOof] . ;ldltsf] ldlt @)%@÷!!÷^ sf] kqaf6 pQm aLdsnfO{ lgh d[ts s08S6/ s[i0f v8\sfsf] b'3{6gfdf k/L d[To" eP jfktsf] Ifltk"lt{

?=&%,)))÷–-krxQ/ xhf/_ e'QmfgL ug{' gkg{] s'g} cfwf/e"t tYo jf k|df0f eP ;kmfO{ k]z ug{ ;d]t cfb]z lbOPsf] kfOG5 . ;ldltsf] ldlt @)%#÷!!÷^ sf] kqsf] k|To"Q/ aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] k=;= ()(÷ (^÷ (& ldlt !@÷!!÷)%# sf] kqaf6 lbOPsf] kfOG5 . pQm kqdf bfjL ug{] /d]z >]i7sf] aLdfof]UoxLt gePsf] / pQm a;sf dflns k|sfz l;6f}+nf ePsf] / To;df x'g] jf kg{ cfpg] bfloTj uf8Lsf] gfd;f/L geP;Dd k|sfz l;6f}+nf g} /lx/xg] / 3/fo;L s/f/ ePtf klg ;f] sf] hfgsf/L b'3{6gf ePsf] ldlt cufj} glbPsf] . o:tf] cj:yfdf aLdf l;4fGtnfO{ x]bf{ bfjL e'QmfgL ug{ s'g} jfWotf g/xg] Joxf]/f hfgsf/L u/fO{ ;lsPsf] tyf ;DalGwt a; Joj;foL ;+3n] g} dSo:ytf ug{] k|rng /x]sf] ;d]t pNn]v ub{} /d]z >]i7 bfjLstf{sf] ?kdf gcfPsf] Joxf]/fsf ;fy} Joj;foL ;+3sf] lnlvt ;xdlt kq / Beneficiary af6 klg To;sf] Discharge Voucher df x:tfIf/ u/L e'QmfgL nlu;s]sf] ;d]t Joxf]/f kfOG5 . o; k|sf/ o; bfjL tkm{ ljrf/ ubf{ bfjL ;DaGwdf lgj]bs /d]z >]i7sf] aLdfof]Uolxt eP geP tkm{ x]bf{ s/f/ adf]lhd uf8L 7]Ssfdf lnO{ ;f]sf] ;+rfng tyf ;f] uf8Ldf sfd ug{] rfns nufotsf sd{rf/Lx?sf] JolQmut b'3{6gf aLdf u/]sf]nfO{ aLdssf] k=;=##%÷(^–(& sf] kqdf s/f/gfdf gePsf] elg pNn]v ul/P tfklg aLdss} ldlt @@÷(÷)%# sf] kqdf s/f/gfdf gePsf] egL pNn]v ;d]t u/]sf] kfOPg . hasL pQm ldlt @@÷(÷)%# s} kq;fy pNn]lvt s/f/gfdf ;d]t ;+nUg eO{ ;ldltdf k|fKt x'g cfPsf] b]lvG5 . o;/L s/f/gfdf k]z gePsf] cj:yfdf aLdsn] u/]sf] Ifltk"lt{ jfkt ?= %^,@%)÷– -5kGg xhf/ b'O{ ;o krf; dfq_ e'QmfgL u/]sf] dgfl;j b]lvP tfklg s/f/gfdf k]z ePsf] cj:yfdf afFsL /sd ;d]t Ifltk"lt{ jfkt e'QmfgL lbg' kg{]df ;f] adf]lhd u/]sf] kfOPg . oBkL of] bfjLdf lgj]bs /d]z >]i7n] aLds;+u u/]sf] aLdf s/f/gfdf adf]lhd g} u/]sf] b]lvOg'sf ;fy} ;f] ;DaGwdf k|rlnt sfg"gL Joj:yf tkm{ x]bf{ k|rlnt ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !$( df rfns, kl/rfns, ;'/IffsdL{ tyf cGo sd{rf/Lsf] tf]lsPsf] /sdsf] b'3{6gf aLdf ;jf/L wgL jf Joj:yfksn] ug'{k5{ eGg] ;d]t ls6fgL Joj:yf ePsf] kfOG5 . o; cj:yfdf lgh aLldt /d]z >]i7sf] aLdfof]Uo lxt b]lvPg jf sfod x'g ;Qm}g eGg ldNg] b]lvPg . o;/L /d]z >]i7sf] aLdfof]Uo lxt sfod ePsf] b]lvg] cj:yfdf aLdsaf6 hf/L ul/Psf] se/gf]6 g+= !)%$@ cGtu{t d[ts s08S6/ s[i0f v8\sfsf] xsjfnfnfO{ Ifltk"lt{ /sd jfkt ?= %^,@%)÷–-5kGg xhf/ b'O{ ;o krf;_ e'QmfgL u/]sf]nfO{ dgfl;a eGg ;lsPg . ctM aLdsn] d[ts sG8S6/ s[i0f v8\sfsf] JolQmut b'3{6gf aLdf Ifltk"lt{ jfkt ?=%^,@%)÷–-5kGg xhf/ b'O{ ;o krf;_lgh d[tssf] xsjfnfnfO{ k|bfg ul/;s]sf] b]lvg cfPsf] cj:yfdf afFsL ?= !*,&%)÷– -c7f/ xhf/ ;ft ;o krf;_ ;d]t d[tssf] xsjfnfnfO{ Ifltk"lt{ k|bfg ug{' kg{] b]lvPsf] tyf JolQmut d[To' ;DaGwL bfjLdf Ifltk"lt{sf] l;4fGt (Principle of Identity) nfu" gx'g] x'Fbf csf{] aLds;+u Ifltk"lt{ e'QmfgL lnP glnP tkm{ ljrf/ ul//xg' gkg{] ;d]tsf] /fo 7x/ u/L ;f] adf]lhd ?=!*,&%)÷–-c7f/ xhf/ ;ft ;o krf;_ d[ts s[i0f v8\sfsf] >LdtL zf/bf v8\sf -xsjfnf_ nfO{ bfjL e'QmfgL ug{' elg aLdf P]g, @)$( sf] bkmf *-3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=nfO{ cfb]z lbg'sf ;fy} o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k"g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%# ;fn r}q !! ut] /f]h @ z'ed\=========

lgj]bssf] gfd ljkIfL kfyLe/f h'6 O08i6«Lh -k|f=_ ln= o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln= O6x/L–$, ;'g;/L . sf7df08f}+ . d'2f M– clUg aLdf bfjL Ifltk"lt{ af/] . o; ;ldltdf k|fKt aLldt lgj]bs kfyLe/f O08i6«Lh -k|f=_ ln=sf] ldlt @)%#÷(÷!! sf] ljB't rfk z6{åf/f df]6/, lah'nLsf ;fdfgx? tyf cGo ;fdfgx? cfuf] nflu xfgL–gf]S;fgL ePsf] ;DaGwdf ;d]t ljifosf] lgj]bg pk/ cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjL ;DaGwdf kmfOn ;+nUg sfuhft cWoog ubf{ b]xfo adf]lhd eP u/]sf] kfOof] . != ldlt @)%#÷(÷!! sf] aLldtsf] ;ldltdf k|fKt lgj]bg tyf ;+nUg sfuhftdf pBf]usf] ;'/Iffsf] nflu

cfuf], e'sDk, x'/L, jtf;, tyf ljB'tLo bkmfsf hf]lvdsf] sf/0faf6 x'g] xfgL–gf]S;fgLsf] aLdf ul/Psf]] . pBf]u rfn' /x]sf] cj:yfdf laxfg !) ah] ljB'tLo rfk, z6{åf/f df]6/, lah'nLsf] ;fdfgx? tyf cGo ;fdfgx?df cfuf] nflu xfgL ePsf] / ;f] sf] hfgsf/L aLdsnfO{ u/fO{ aLdsn] dfu u/]sf] ;Dk"0f{ sfuhft k]z ul/;s]sf] aLdsn] lgDg sf/0f b]vfO{ bfjLnfO{ /2 ul/lbPsf] .

aLdfn]vdf ;+nUg ul/Psf pTkflbt ejgdf ;+k'li6x? dWo] g+=# / sRrf kbfy{sf] nflu uf]bfdsf] ;+k'li6x? dWo] g+= % sf] cfwf/df aLdf /2 ul/lbPsf] . ;+k'li6 g+=# M– /ftL !) ah]b]lv laxfg % ah];Dd s'g} sfo{ x'g' xF'b}g . ;+k'li6 g+=%M– /ftL !) ah]b]lv laxfg % ah];Dd s'g} sfo{ x'Fb}g / o; ;dodf ;Dk"0f{ 9f]sfx? tyf em\ofnx? aGb x'g'kb{5 . pNn]lvt ;+k'li6x?nfO{ s'g} lsl;dn] e+u u/]sf] 5}g . ljB'tLo rfkåf/f laxfg !) ah]lt/ pBf]u rfn' /x]sf] cj:yfdf cfuf] nfu]sf] hfgsf/L aLdsnfO{ lbOPsf]df grflxFbf] sf/0f b]vfO{ aLdf bfjL /2 ul/Psf] 5 .

kq;fy ;+nUg sfuhftM– s= aLdfn]v tyf se/gf]6sf] k|lt . v= aLdsdfly bfjL u/]sf] k|lt . u= aLdsn] aLdf bfjL /2 ul/lbPsf] kq .

@= ;ldltsf] ldlt @)%#÷#÷@@ sf] bfjL ;DaGwL lnlvt hfgsf/L tyf sfuhft k]z ug{] Joxf]/fsf] kqsf]

k|To'Q/df aLdsn] @)%#÷(÷@* sf] kqaf6 lnlvt hjfkm tyf sfuhft k]z u/]sf] kfOG5 .

aLdssf] ldlt @)%#÷(÷@* sf] kqdf ;e{]o/sf] l/kf]6{ adf]lhd ;f] pBf]u b'O{ l;km\6df laxfg & ah]b]lv a]n'sL & ah];Dd / csf{] a]n'sL * ah]b]lv ^ ah];Dd ;+rfng ePsf] . aLdfn]v cGtu{t /ftL sfd ug{

gkfpg] / u/]df Breach of Warrenty x'g] . pTkflbt ejgdf ;+k'li6 dWo] g+= % df /ftsf] !) ah]b]lv

laxfg % ah];Ddsf] aLrdf s'g} sfo{ ug{ gx'g] / em\ofn 9f]sfx? aGb x'g' kg{] aGb]hsf] k|fjwfg /x]sf] t/ ;f] a'Fbf pNn+3g ePsf] x'Fbf bfjL e'QmfgL ug{ gldNg] Joxf]/f cjut u/fOG5 . #= ;e{]o/sf] ldlt *÷!)÷!((% sf] ;e{] k|ltj]bgdf lgDg s'/fx? pNn]v ePsf] kfOG5 .

!= laxfg ;ft ah]b]lv !@ ah];Dd / @ ah]b]lv ;fFem & ah];Dd tyf a]n'sf * ah]b]lv laxfg ^ ah];Dd u/L b'O{ l;km\6df pBf]u ;+rfng ul/Psf] .

@= Cause of fire:- The probable cause of fire was due to short circuiting or due to fluctuation of power supply #= cfunfuL ldlt / ;doM– ^÷%÷!((% laxfg !) ah] $= gf]S;fgLsf] s"n d"NofÍgM– #$,!(%÷– ;d]t pNn]v ePsf] kfOG5 .

$= ;ldtsf] ldlt @)%#÷!@÷& sf] kqaf6 aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=nfO{ pNn]lvt bfjL c:jLsf/ u/]sf]nfO{ dfGotf lbg ldNg] s'g} tYo jf k|df0f eP ;ldltdf k]z ug{ eGg] Joxf]/f ;d]t ;"lrt u/]sf] kfOG5 . aLdssf] ldlt @)%#÷!@÷* sf] kqaf6 ;ldltsf] kqsf] hjfkm lbb}+ sDkgLn] bfjLsf] bfloTj c:jLsf/ ul/;s]sf]df laldtn] ;f] s/f/gfdfdf /ftL sfo{ ePsf] 5}g eGg] s'g} k|df0f gePsf] / ;f] /ftL sfo{ ug{ g;Sg] a'Fbf x6fpg] nfUg] lk|ldod z'Ns ;d]t ga'emfPsf] x'Fbf ;f] bfloTj c:jLsf/ u/]sf]nfO{ dfGotf lbg pko'Qm b]lvg] eGg] Joxf]/fsf] lhls/ lnPsf] b]lvG5 .

o; bfjLsf ;DaGwdf kmfOn ;+nUg sfuhftaf6 aLldt kfyLe/f h'6 O08li6«h k|f=ln=sf] aLdf aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=åf/f hf/L ul/Psf] aLdfn]v g+= Pkm @#%÷($–(% cGtu{t aLdf ePsf]

/ aLdf cjlw leq} ldlt @)%@÷!÷@# sf lbg laxfg !) ah] ljB'tLo v/faL (Due to short circuiting or due to fluctuation of power supply) af6 ePsf] ljifodf s'g} ljjfb kfOPg . aLdsn] bfjL

c:jLsf/ ug{'sf] sf/0fdf pTkfbLt ejgdf ;+k'i6L g+= # / sRrf kbfy{sf] nflu uf]bfdsf] ;+k'i6L g+= % pNn+3g ePsf] pNn]v u/]sf] 5 . ;f] bfjL c:jLsf/ ug{] cfwf/sf ?kdf aLdsn] ;e{] l/kf]6{nfO{ lnPsf] b]lvG5 . ;e{]o/ P;=s]= dfemLsf] l/kf]6{df O08i6«Lh ;+rfng ;do laxfg & ah] b]lv !@ ah];Dd / @ ah]b]lv ;fFem & ah];Dd tyf a]n'sf * ah]b]lv laxfg ^ ah];Dd pNn]v ePsf] kfOG5 .

o;/L ;f] bfjLsf ;DaGwdf aLdssf] egfO{ cg'?k Breach of Warrenty sf] sf/0f pQm b'3{6gf eP

geP tkm{ x]bf{ ;f] b'3{6gf laxfg !) ah] ;fdfGo pBf]u ;+rfng ;dodf ePsf] b]lvG5 . aLdfn]vn] nufPsf] aGb]h tkm{ x]bf{ pQm aGb]h /ftsf] !) ah]b]lv laxfg % ah];Ddsf] nflu nfu" x'g] pNn]v 5 . o; k|sf/ Ifltsf] ;do aLdfn]vn] aGb]h u/]sf] ;doleq gkg{'sf ;fy} pQm Iflt b'O{ l;km\6df pBf]u ;+rfng u/]s} sf/0fn] ePsf] cyf{t aGb]h nufPsf] ;dodf sfd ug{'n] g} ePsf] k'i6L ug{ ;Sg] s'g} tYo k|df0f ;d]t

aLdsn] k]z ug{ ;s]sf] kfOb}g . o; cj:yfdf aLdfsf] l;4fGt cg'?k aGb]h nufPsf] ;dodf cfuf] nflu gf]S;fgL ePsf] jf /ftsf] ;dodf pBf]u ;+rfng u/]sf] sf/0fn] Iflt ePsf] eP ;f] aGb]hsf] pNn+3g ePsf] hgfO{ aLdsn] bfjL c:jLsf/ ug{' :jefljs 7xb{Yof] . o; k|sf/ b'3{6gfsf] glursf] sf/0f k|ToIftM aLdfn]vdf aGb]h nufOPsf] ;dodf ePsf] jf aGb]h nufPsf] ;dodf pTkGg sf/0faf6 g} l;nl;nfj4 ?kdf ;f] b'3{6gf 36\g uPsf] eGg] ;e{]o/ P;=s]= dfemLsf] k|ltj]bg / ;f] k|ltj]bgdf pBf]u ;+rfng ubf{ aLrdf s]xL ;do pBf]u aGb eO{ k"gM csf{] l;km\6df ;+rfng ug{] u/]sf] Joxf]/f ;d]tn] ldNg] b]lvPg . ctM aLdfn]vdf pNn]lvt ;fdfGo ;dodf pTkGg ePsf] cfunfuLsf] sf/0f aLldtsf] xfgL–gf]S;fgL ePsf]n] aLdsn] bfloTj :jLsf/ u/L bfjL e'QmfgL ug{'kg{] b]lvg cfof] . ;e{]o/ P;=s]= dfemLsf] ldlt *÷!)÷!((% sf] k|ltj]bg pNn]lvt /sd ?= #$,!(% -rf}lQ; xhf/ Ps ;o kGrfgAa] dfq_ af6 aLdn]vsf] ;'ljwf adf]lhd s§f ug{' kg{] /sd eP ;f] s§f u/L x'g cfpg] afFsL /sd aLldt kfyLe/f h'6 O08li6«h -k|f=_ ln=nfO{ bfjL e'QmfgL ug{' egL aLds o'gfO{6]8 OG:of]/]G; sDkgL -g]kfn_ ln=nfO{ aLdf P]g, @)$( sf] bkmf * -3!_ tyf ;f]xL P]gsf] bkmf !& sf] pkbkmf -$_ adf]lhd cfb]z lbOG5 . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Djt\ @)%# ;fn r}q !$ ut] /f]h % z'ed\===========

>L k'g/fj]bg cbfnt, kf6g ;+o'Qm Ohnfz

dfggLo GofofwLz >L tk axfb'/ du/ dfggLo GofofwLz >L nf]s]Gb| dlNns

af6 ePsf] km};nf ;Djt\ @)%$ ;fnsf] b] k'=g+===========================================================@^** o'gfO{6]8 OG:of]/]G; sDkgL -g]kfn_ ln= d'sfd ltgwf/f kf7zfnf b/af/ dfu{ sf7df08f}+sf clVtof/ k|fKt sf=lh=sf=d=g=kf= j8f g+= #@ a:g] k'g/fj]bs df]xg s]z/ dfg k|wfg ============================================================================== lj?4 k|ltjfbL

ljkIfL kfyLe/f h'6 O08li6«h k|f=ln= d'sfd O6x/L g=kf= j8f g+= $ ;'g;/L=================== jfbL

d'2f M– clUg aLdf bfjL Ifltk"lt{ af/] . Gofo k|zf;g P]g, )$* sf] bkmf *, ! cGtu{t o;} cbfntsf] If]qflwsf/ leqsf] eO{ bfo/ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt ljj/0f o; k|sf/ 5 M– o; kfyLe/f h'6 O=k|f=ln=df ldlt @)%@÷!÷@# ut]sf lbg cGbfhL laxfg !)M)) ah]lt/ sf/vfgf rfn' /x]sf] cj:yfdf ljB'tåf/f df]6/ tyf cGo ljB'tsf ;fdfgx? Iflt ePsf] x'Fbf ;f]sf] cljnDa lg/LIf0f u/L sf/vfgf k'gM ;+rfng ug{ Ohfht lbg x'g cg'/f]w ub{5f}+ eGg] kfyLe/f h'6 O=k|f=ln= sf] ldlt @)%@÷!÷@$ sf] kq . xfdLn] o'gfO{6]8 OG:of]/]G; s=-g]kfn_ ln= la/f6gu/af6 xfd|f] pBf]usf] ;'/Iffsf] nflu cfuf], e'sDk, x'/L atf; tyf ljB'tLo bkmfsf hf]lvdsf] sf/0faf6 x'g] xfgL–gf]S;fgLsf] aLdf @&÷!@÷!(($ b]lv @&÷!@÷!((% ;Ddsf nflu u/fPsf] . xfd|f] pBf]u rfn' /x]sf] cj:yfdf ldlt @)%@÷!÷@# ut]sf lbg laxfg !)M)) ah] ljB'tLo rfk ;6{åf/f df]6/, lah'nLsf ;fdfgx? tyf cGo ;fdfgx?df cfuf] nflu xfgL ePsf] lyof] . o;sf] hfgsf/L aLdsnfO{ u/fO{ ;s]sf lyof}+ . aLdsn] dfu u/]sf ;Dk"0f{ sfuhftx? k]z u/L ;s]kl5 aLdsn] grflxbf ;Dk"0f{ egL sf/0f b]vfO{ aLdf bfjL /2 u/fO{ lbPsfn] xfd|f] bfjL dfly sf/jfxL u/L bfjL /sd lbnfO{ kfpF eGg] ;d]t Joxf]/fsf] kfyLe/f h'6 O08li6«h k|f=ln=n] aLdf ;ldlt sf7df08f}+nfO{ n]v]sf] ldlt @)%#÷(÷!! sf] kq . kfyLe/f h'6 O08li6«h k|f=ln=n] aLdf bfjL /2 ul/Psf] egL ;+k'li6 ;DalGwt k|fjwfg ;d]t pNn]v ub{} pQm ;+k'li6x?nfO{ s'g} lsl;dn] e+u u/]sf 5}gf}+ eGg] ;d]t pNn]v u/L tT;DaGwL sfuhftx? ;d]t ;+nUg u/L xfd|f] plrt bfjL dfly sf/afxL u/L bfjL /sd lbnfO{ lbg x'g eGg] ;d]t Joxf]/f n]lvO cfPsf]n] pQm aLdf

bfjL lsg OGsf/ ul/Psf] xf] ;f]sf] lnvt hfgsf/L ;fy tT;DaGwL aLdfn]v k|lt ;e{] k|ltj]bg nufot ;f] ;DaGwdf eP u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuhft ;d]t of] kq k|fKt ldltn] !% lbgleq o; ;ldltdf k]z ug{' x'g lgb{]zfg';f/ ;"lrt ul/G5 elg o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=nfO{ aLdf ;ldltn] ldlt @)%#÷(÷@@ df n]v]sf] kq . o; uf=lj=;= j8f g+= $ l:yt >L kflye/f h'6 O08li6«h k|f=ln=df ldlt @)%@÷!÷@# sf lbg ljB't xfO{ ef]N6]hsf] sf/0f d]lzgdf cfuf] nfUg'sf] ;fy} sRrf h'6 kbfy{ cflb cGo jfol/Ë u/L c=?= !,@),))).– sf] Iflt ePsf] k|dfl0ft ul/Psf] 5 eGg] O6x/L uf=lj=;=sf] ldlt @)%@÷#÷!^ sf] kq . ;e{]o/sf] l/kf]6{ adf]lhd ;f] h'6 O08li6«h b'O{ l;km\6df laxfg &M)) ah]b]lv a]n'sf &M)) ah];Dd / csf{] a]n'sL *M)) ah]b]lv laxfg ^M)) ah];Dd ;+rfng ePsf] 5 / xfd|f] kf]ln;L g+= Pkm÷@#%÷($÷(% se/ gf]6

g+= ^&# cGtu{t /ftL sfd ug{ gkfpg] ;f] u/]df Breach of Warranty x'g] ;fy} pTkflbt ejgdf

;+k'li6x? dWo]df g+= # / sRrf kbfy{sf] nflu uf]bfdsf] ;+k'li6 dWo] g+= % df (Night Work) /ftsf] !)M))

ah]b]lv laxfg %M)) ah];Ddsf] aLrdf s'g} sfo{ ug{ gx'g] / em\ofn 9f]sfx? aGb x'g' kg{] aGb]hsf] k|fjwfg /x]sf] t/ ;f] a'Fbf pNn+3g ePsf] x'Fbf bfjL e'QmfgL ug{ gldNg] Joxf]/f cjut u/fpFb5f}+ eGg] Joxf]/fsf] o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=n] aLdf ;ldltnfO{ ldlt @)%#÷(÷@* df n]v]sf] kq . aLldt kflye/f h'6 O08li6«h k|f=ln= O6x/L–$, ;'g;/Lsf] ldlt @)%#÷(÷@@ sf] lgj]bg ;DaGwdf cfjZos sf/jfxL x'Fbf To; sDkgLaf6 ;f] bfjLsf] bfloTj c:jLsf/ u/]sf]nfO{ dfGotf lbg ldNg] s'g} tYo jf k|df0f eO of] kq k|fKt ldltn] & lbgleq o; ;ldltdf k]z ug{' x'g aLdf lgodfjnL, )$( sf] lgod ## sf] pk–lgod -!v_ adf]lhd o; sDkgLnfO{ ;"rLt ug{] cfb]zfg';f/ ;"lrt ul/G5 eGg] aLdf ;ldltn] o'gfO{6]8 OG:of]/]G; s+= -g]kfn_ ln= nfO{ ldlt @)%#÷!@÷& df n]v]sf] kq . o; sDkgLn] bfjLsf] bfloTj c:jLsf/ u/L ;s]sf]df laldtn] ;f] sf/vfgfdf /ftL sfo{ ePsf] 5}g eGg] s'g} k|df0f gePsf] / ;f] /ftL sfd ug{ g;Sg] eGg] a'Fbf x6fpg nfUg] aLdf lk|ldod z'Ns ;d]t ga'emfPsf] x'Fbf ;f] bfloTj c:jLsf/ u/]sf]nfO{ dfGotf lbg pko'Qm b]lvg] s'/f cjut u/fpF5f}+ eGg] Joxf]/fsf] o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=n] aLdf ;ldlt sf7df08f}+nfO{ ldlt @)%#÷!@÷* df n]v]sf] kq . aLdfn]v pNn]lvt ;fdfGo ;dodf pTkGg ePsf] cfunfuLsf] sf/0f laldtsf] xfgL–gf]S;fgL ePsf]n] ;e{]o/ P;=s]= dfemLsf] k|ltj]bgdf pNn]lvt /sd ?= #$,!(%.– aLdfn]vsf] zt{ ;'ljwf adf]lhd s§f ug'{kg{] sd eP ;f] s§f u/L afFsL /sd kfyLe/f h'6 O08li6«h -k|f=_ln=nfO{ e'QmfgL ug{' egL o'gfO6]8 OG:of]/]G; sDkgL ln=nfO{ cfb]z lbO{G5 eGg] ;d]t Joxf]/fsf] aLdf ;ldltsf] sf7df08f}+sf] ldlt @)%#÷!@÷!$ sf] cfb]z .

;e{]o/sf] k|ltj]bg cg';f/ ljkIfLaf6 Breech of Warranty ePsf] x'Fbf e'QmfgL ug{ gldNg] Joxf]/f cjut

u/fPsf]df pQm k|df0fsf] ;d]tsf] d"NofÍg gu/L aLdf ;ldltaf6 bfjL cg';f/ e'QmfgL ug{' egL ePsf] cfb]z q'6Lk"0f{ x'Fbf jb/ u/L Gofo kfpF eGg] ;d]t Joxf]/fsf] o'gfO{6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] o; cbfntdf kg{ cfPsf] k''g/fj]bg lhls/ . jf/]G6Lsf] k[i7 ;+Vof ! sf] qm=;+= # / k[i7 ;+Vof @ sf] qm=;+= % sf] k|Zgdf q'6L ePsf] b]lvPsf]n] ;f] aLdf ;ldltsf] lg0f{o ljrf/l0fo x'Fbf c=j+= @)@ g+= / k'=j]=c= lgodfjnL, @)$* sf] lgod $& adf]lhd ljklIf lemsfO{ cfPkl5 jf cjlw gf3]kl5 lgodfg';f/ k]z ug{' eGg] ldlt @)%$÷(÷@( sf] o; cbfntsf] cfb]z .

7x/ lgod adf]lhd b}lgs d'2f k]zL ;"rLdf r9L k]z x'g cfPsf] k|:t't d'2fsf] k'g/fj]bg ;lxtsf] z'? ldl;n cWoog u/L k'g/fj]bg tkm{af6 pkl:yt ljåfg\ clwjQmf >L g/]Gb| k|;fb uf}tdn] ug{'ePsf] jx; ;d]t ;'lg lg0f{o tkm{ ljrf/ u/L aLdf ;ldlt sf7df08f}+n] u/]sf] cfb]z ldn]sf] 5 5}g ;f]xL ljifodf lg0f{o lbg'kg{] b]lvg cfof] . o;df ljkIfL sDkgLn] jf/]G6Lsf] pNn+3g u/]sf] dgf]dfgL tl/sfn] pBf]usf] ;+rfng u/]sf] cj:yfdf bfjL cg';f/ e'QmfgL lbg' eGg] aLdf ;ldltsf] cfb]z jb/ u/L kfpF eGg] d'Vo k'gf/fj]bg lhls/ /x]sf] k|:t't d'2fdf lg0f{otkm{ ljrf/ ubf{ aLldt kfyLe/f h'6 O08li6«h -k|f=_ln= / aLds o"gfO6]8 OG:of]/]G; sDkgL aLr aLdfn]v g+= Pkm–@#%–($–(% cGtu{t aLdf ePsf]df ljjjfb b]lvPg . aLdf cjlw @&÷!@÷!(($ b]lv @&÷!@÷!((% ;Dd tf]lsPsf] ldl;n ;+nUg k]z ePsf] k|ltlnlkaf6 b]lvPsf] 5 . aLdf cjlw leq ldlt @)%@÷!÷@# sf lbg laxfg !) ah] ljB'tLo v/faLsf sf/0fn] cfuf] nfUg uO{ ;fdfg Iflt ePsf] s'/fdf ;d]t ljjfb b]lvPg . aLdsn] bfjL c:jLsf/ ug{'sf] sf/0fdf pBf]u ;+rfng ;do cfkm}+n] lgwf{/0f u/L ;+rfng u/]sf] elg n]vfP b]vfPtf klg pBf]udf cfunflu ePsf] ;do laxfg !) ah] eGg] s'/f laldtn] aLdsnfO{ ldlt @)%@÷!÷@$df n]v]sf] kqdf pNn]v u/]sf] s'/fnfO{ o'gfO6]8 OG:of]/]G; sDkgLaf6 cGoyf eGg ;s]sf] l:ylt b]lvPg . ;f] b'3{6gf laxfg !) ah] ;fdfGo pBf]u ;+rfng ;dodf ePsf] ;e{]o/sf] k|ltj]bgaf6 b]lvG5 . aGb]h nufPsf] ;dodf pBf]u ;+rfng u/L pQm Iflt ePsf] eGg] s'/fsf] k'li6 ug{ aLdsn] s'g} tYoo'Qm ;j'b k|df0f k]z ug{ g;s]sf] l:yltdf dgf]dfgL pBf]u ;+rfng u/]sf] eGg] o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] k'g/fj]bg lhls/ dgfl;j dfGg ldn]g . t;y{ ;e{]o/ P;=s]=dfemLn] k|ltj]bgdf pNn]v u/]sf] ?=#$!(%.–;Dd aLdf jfkt kfpg] 7x/fO{ ldlt @)%#÷!@÷!$ df aLdf ;ldlt sf7df08f}+n] u/]sf] cfb]z ldn]s} b]lvbf ;b/ x'g] 7x5{ . k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;Sb}g . ldl;n lgod cg';f/ a'emfOlbg' . pQm /fodf d ;xdt 5' .

-nf]s]Gb| dlNns_ -tk axfb'/ du/_ Gofoflwz Gofoflwz Olt ;Djt\ @)%% ;fn h]i7 !* ut] /f]h @ z'ed\===============

lgj]bssf] gfd aLdssf] gfd sf]zL a; Joj;foL ;+3 lb cf]l/o06n OG:of]/]G; sDkgL ln= k|wfg sfof{no lj/f6gu/, sflGtky, sf7df08f}+ . d'Vo k|zf;lgs sfof{no, O6x/L .

d'2fM– aLdf bfjL lbnfO{ kfFp . aLdf P]g, @)$( sf] bkmf * -3!_ bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] k|:t't aLdf bfjL lbnfO{ kfpF ;DaGwL ph'/L lgj]bgsf] ;+lIfKt Joxf]/f o;k|sf/ 5 . != ;fj{hlgs ;jf/Lsf ;fwgdf sfd ug{] rfns sG8S6/ / vnf;Lsf] qmdz ! nfv, &% xhf/ / %) xhf/

?k}ofsf] b'3{6gf aLdf clgjfo{ u/L lbg' kg{] sfg"gL Joj:yf eP cg';f/ o; ;+3åf/f ;+rflnt gf=c=v= &^@% g+= sf] a;df sfd ug{] gfd gv'n]sf pk/f]Qm kbsf # hgfsf] b'3{6gf aLdf lbgf+s @%÷*÷!((% b]lv @$÷*÷!((^ ;Dd sfod /xg] u/L lb cf]l/o06n OG:of]/]G; sDkgL ln=df ul/Psf] pQm a;df sfd ug{] s08S6/ >L 1fg axfb'/ a:g]t ldlt @)%#÷!÷* ut] ;f]xL a;df l8p6L ub{} sf7df08f}+af6 w/fg cfpFb} ubf{ ;f] a; b'3{6gf e} ;Vt 3fOt] ePsf] / x]6f}8f c:ktfndf pkrf/ x'Fbf x'Fb} lghsf] d[To' ePsf] . To;sf] hfgsf/L pQm aLdf sDkgLnfO{ @)%#÷!÷!) ut] lbPsf] aLdf sDkgLn] hfgsf/L k|fKt u/]kl5 @#÷$÷!((^ df cfjZos sfuhft dfu u/L k7fPsf]df pQm sDkgLsf] kqfg';f/ dfu ul/Psf] ;Dk"0f{ sfuhft ;lxt k|fKt Sn]d kmd{ e/L k7fP kl5 aLdf sDkgLn] bfjL e'QmfgL gug{ jxfgf u/L lgh d[tsn] /S;L vfPsf] egL 8fS6/n] k|dfl0ft gu/]sf] cj:yfdf s;}n] eg]s} e/df cf/f]k nufO{ $÷!@÷!((^ df kq k7fPsf] . pQm kq k|fKt ePkl5 o; ;+3n] aLdf sDkgLnfO{ ldlt @)%#÷!)÷@ ut] kq n]vL aLdf ;ldltnfO{ ;d]t af]wfy{ lbPsf] . ;fy} lgh s08S6/ >L 1fg axfb'/ a:g]tsf] d[To' ;jf/L b'3{6gfaf6 ePsf] x'Fbf k|x/L k|ltj]bgsf cfwf/df /f}tx6 lhNnf cbfntdf ;f] a;sf rfns pk/ sf/jfxL x'Fbf h/Ljfgf w/f}6L ?=&,)).– ltg{' kg{] pQm cbfntn] cfbz{ u/]sf] s'/fnfO{ aLdf sDkgLn] j]jf:tf u/L cfkm\gf] aLdf k|n]vdf cfkm"n] sfd u/]sf] ;jf/Ldf sfd ubf{ ub{}sf] cj:yfdf d[To' ePdf hf]lvd jxg ug{] elg :jLsf/ u/]sf] s'/f k|dfl0ft gePs} cfwf/df bfjL lbg OGsf/ ug{' / k6s k6s pk/f]Qm aLdf pNn]v u/L cg'/f]w ubf{ klg s'g} k|To"Q/ glbPsf] x'Fbf pQm aLdf sDkgLnfO{ bfjL oyflz3| lbg' elg cfb]z u/L kfpF eGg] Joxf]/fsf] ldlt @)%$÷#÷@( sf] lgj]bgsf ;fy} tt\;DaGwL sfuhft ;d]t ;n+Ug u/L k]z ePsf] kfOG5 .

@= ;ldltsf] ldlt @)%$÷$÷!# sf] kqaf6 aLdsnfO{ sf/0f v'nfO{ lnlvt hjfkm k]z ug{ lgb{]zg . #= aLdssf] ldlt @)%$÷$÷!# sf] kqdf cbfntdf k]z ul/Psf] kq d[ts s08S6/ dfbs kbfy{ ;]jg u/L

l8p6Ldf /x]sf] / dfbs kbfy{sf] gzfsf] sf/0f pgL uf8Laf6 v;]sf] eGg] pNn]v 5 . ;fy} cbfntdf k]z u/]sf kqsf] kmf]6f]skL ;+nUg 5 eGg] Joxf]/f kfOG5 .

$= ;ldltsf] ldlt @)%$÷$÷#! sf] kqaf6 tt\;DaGwdf cbfntL km};nf jf eP cGo k|df0f sfuhft tyf ljj/0f ;d]t k]z ug{ aLdsnfO{ lgb{]zg .

%= aLdssf] ldlt @)%$÷%÷# sf] kqdf cbfntL km};nf pknAw ug{ yk ;do cfjZos ePsf] . pQm km};nf ;DejtM xfdL $ ;]K6]Da/ !((& leq k7fpg] sf]lzz ug{] 5f}+ eGg] Joxf]/f kfOG5 .

^= aLdssf] ldlt @)%$÷%÷!& sf] kqdf cbfntaf6 xfn;Dd pk/f]Qm d'2fdf s'g} lg0f{o ePsf] 5}g yk hfgsf/L cbfntsf] lg0f{o k|fKt x'g;fy k7fpg] 5f}+ eGg] Joxf]/f kfOG5 .

&= aLdssf] ldlt @)%$÷&÷* sf] kqdf lhNnf cbfnt /f}tx6sf] lg0f{odf pNn]v eP cg';f/ of] k|dfl0ft x'g cfpF5 sL d[ts b'3{6gfsf] ;dodf cToflws dfbs kbfy{ ;]jg u/L lgoGq0f eGbf aflx/sf] cj:yfdf u'8L/x]sf] uf8Laf6 v:g uO{ pkrf/sf] qmddf d[To" ePsf] xf] aLdfn]vsf] ckjfbdf pNn]v ul/Psf] 5 sL dfbs kbfy{ jf o:t} gzfn' kbfy{sf] ;]jgsf] sf/0fn] s'g} b'3{6gf x'g uO{ d[To' ePdf jf 3fOt] ePdf jf k"0f{ czQmtf ePdf pQm bfjL nfUg] 5}g . pNn]lvt bfjL klg o;} kl/lw leq k/]sf] x'gfn] xfd|f] bfloTj g/x]sf] hfgsf/L u/fpFb5f}+ eGg] Joxf]/fsf] ;fy} pk/f]Qmfg';f/ cbfntsf] lg0f{osf] gSsn ;+nUg /x]sf] kfOG5 .

;ldltsf] ldlt @)%$÷(÷@# sf] kqaf6 d[ts sG8S6/ 1fg axfb'/ a:g]tsf] glhssf] xsjfnfnfO{ -cfkm" xsjfnf ePsf] v'Ng] k|dfl0ft sfuh k|df0f ;lxt_ ;ldltdf pkl:yt x'g sf]zL a; Joj;foL ;+3 dfkm{t ;"lrt ul/Psf] kfOG5 .

sf]zL a; Joj;foL ;+3sf] ldlt @)%$÷!)÷!) sf] kq;fy d[ts 1fg axfb'/ a:g]tsf afa' g/axfb'/ a:g]t cfkm" xsjfnf ePsf] k|df0f ;lxt aLdf ;ldltdf pkl:yt e} lgh / lghsf 5f]/f lzj axfb'/ a:g]t ;d]tn] ldlt @)%$÷!!÷!) df aofg ;d]t lbPsf] b]lvG5 .

;ldltsf] ldlt @)%$÷!!÷@& sf] kqaf6 pQm aLdf bfjLsf] Ifltk"lt{sf] e"QmfgL aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd lsg gug{] xf] ;f] af/]df cGo cfjZos sfuhft tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm k]z ug{ aLdsnfO{ lgb{]zg .

aLdssf] ldlt @)%$÷!@÷& sf] kqdf aLdfn]v lzj s'df/ /fO{sf] gfddf hf/L ePsf] a; g+= &^@% g+= sf] a;sf s08S6/ 1fg axfb'/ a:g]tsf] ldlt @)%$÷!÷* df dfbs kbfy{ ;]jg u/L a;af6 v;L b'3{6gf eO{ ;Vt 3fOt] ePsf]df x]6f}+8f c:ktfndf pkrf/ u/fpFbf u/fpFb} d[To" ePsf] km};nfaf6 b]lvG5 . lzj a:g]tn] d[ts efO sf7df08f}+ cfpFbfsf] cj:yf Hofbf /S;L gvfp egL ;DemfPsf] lghsf efOn] /S;L cWoflws dfqfdf ;]jg u/]sf] x'Fbf a;sf] 9f]sfaf6 crfgs v;L 3fOt] eO{ ;f]xL rf]6k6saf6 ePsf] d[To' ePsf]n] sfg"g adf]lhd nf; ;bub ug{] lhDdf kfpF eGg] ;d]t Joxf]/fsf] hfx]/L b:tvt k/]sf] s'/f km};nfaf6 b]lvG5 . aLdf ;ldlt ;dIf sf]zL a; Joj;foL ;+3n] kq n]vL d[ts sG8S6/sf] afa' g/axfb'/ a:g]tn] kfpg] aLdf /sd ?= &%,))).– e/fO{ lbg kq n]v]sf] b]lvG5 . sf]zL a; Joj;foL ;+3sf] gfddf o; aLdf sDkgLaf6 aLdfn]v hf/L ul/Psf] 5}g . aLdfn]v g} hf/L gePsf] ;+:yfn] Ifltk"lt{sf] bfjL ;DaGwdf kqrf/ ug{' g} clgoldt ePsf] . a; rfns /fhLj aflgofF / a'lemPsf ;lh{ldg ;d]tn] d[tsn] dfbs kbfy{ ;]jg u/]sf] sf/0fn] ubf{ cfkm" sG8S6/ eO{ cfPsf] a;sf] 9f]saf6 em/L n8L pkrf/ ubf{ ub{} d/]sf] eGg] s'/f km};nfaf6 b]lvG5 . /f}tx6 lhNnf cbfntsf] km};nfaf6 d[tssf] ;¥xf]b/ bfh'n] lbg' ePsf] hfx]/L b/vf:tnfO{

cGoyf dfGg ;lsg] cj:yf ljBdfg gx'Fbf sDkgLaf6 hf/L ePsf] aLdfn]vsf] terms and condition sf]

k"0f{ ljkl/t x'Fbf Ifltk"lt{ lbg' kg{] cj:yf ljBdfg 5}g eGg] Joxf]/fsf ;fy sDkgLaf6 hf/L ePsf] aLdfn]v / /f}tx6 lhNnf cbfntsf] km};nf ;d]t ;+nUg ePsf] kfOG5 .

o; k|sf/ aLdf ePsf] / aLdf ul/Psf] af=c=v= &^@% g++= sf] j;af6} v;L sG8S6/ 1fgaxfb'/ a:g]tsf] d[To' ePsf]df ;d]t s'g} ljjfb g/x]sf] o; aLdf bfjL ;DaGwL ljjfbdf sf]zL a; Joj;foL ;+3n]

u/]sf] kqfrf/ clgoldt eP gePsf] tkm{ ;d]t ljrf/ u/L pQm sG8S6/sf] d[To' dfbs kbfy{ ;]jg u/]sf] sf/0f a;af6 v;L d[To' ePsf] xf] xf]Og eGg] 7x/ ug{' kg{] b]lvof] .

7x/

o;/L ljrf/ ubf{ sf]zL a; Joj;foL ;+3sf] ldlt )%÷#÷@( sf] lgj]bg;fy ;+nUg pQm ;+3sf] ljwfg @)$) -klxnf] ;+zf]wg, @)%) ;d]t_ nfO{ dWogh/ /fVbf pQm ljwfgsf] p2]Zo cGtu{t -v08 h_ df oftfoft Joj;fo;+u ;DalGwt j:t'sf] Ph]G;L lng] / aLdf ;DaGwL Ph]G;L lnO{ ofq' tyf Joj;foLnfO{ ;xof]u k'¥ofpg] 5 eGg] pNn]v ePsf] / pQm Joj;foL ;+3n] aLdsnfO{ ldlt @)%#÷!)÷@ sf] kqdf d[tssf afa' g/axfb'/ a:g]tn] aLdf bfjL k|fKt ug{ g;sL lgj]bg lbPsf] eGg] pNn]v 5 eg] ldlt @)%$÷#÷@% df To; ;+3 cGtu{t ;+rflnt a; ePsf] gftfn] pQm aLdf sDkgL tyf aLdf ;ldlt nufot ;Da4 lgsfodf To;} ;+3af6 cfjZos bfjL Pj+ sfd sf/jfxL u/L aLdf bfjL jfkt kfpg] Ifltk"lt{ ?= &%,))).– lbnfO{ e/fO{ kfpF elg n]lvlbPsf] b]lvG5 . pk/f]Qm cfwf/df ;DalGwt ;+:yfn] kqfrf/ ug{'nfO{ clgoldt 7x/fpg ldNg] b]lvPg . ;+:yf :j+on] aLdf bfjL k|fKt ug{ kqfrf/ u/]sf] geO{ kLl8t kIfsf] cg'/f]wdf To:tf] kIfnfO{ cfly{s Ifltk"lt{ lbnfpg] sfd;Dd u/]sf] b]lvg cfPsf]n] kqfrf/nfO{ clgoldt 7x/ ug{' pko'Qm b]lvPg . csf{] tkm{ d[tsn] dfbs kbfy{ ;]jg u/]sf] sf/0f a;af6 v;L d[To' eP geP ;DaGwdf cWoog ubf{ /f}tx6 lhNnf cbfntsf] ldlt @)%$ ;fn cfiff9 @^ ut]sf] km};nfsf] 7x/ v08df k|ltjfbLn] :jLsf/ u/L cbfntdf aofg u/]sf] b]lvPsf] / lgh k|ltjfbLn] tf/]v ;d]t 5f]8L a;]sf] x'Fbf eGg] Joxf]/f /x]sf] kfOof] . kf]i6df6{d l/kf{]6 x]bf{ pQm l/kf]6{df dfbs kbfy{ ;]jg u/]sf] gb]lvPsf] / lhNnf cbfnt /f}tx6sf] km};nfsf] 7x/ v08df ;d]t dfbs kbfy{ ;]jg u/L d[To' ePsf] eGg] pNn]v gul/Psf] :ki6 cj:yf x'Fbf hfx]/L b/fvf:t nufot cGo sfuhftdf pk/f]Qm Joxf]/f /x]sf] eGg] s'/f unt x'g k'Ub5 . hfx]/L b/fvf:t Ps kIfLo cf/f]k dfq xf] eg] km};nfsf] 7x/ v08 dfg]sf] kIf ljkIfsf] ts{ Pj+ k|df0fdfly ljrf/ u/L lbPsf] Goflos lg0f{o xf] . o;/L b'j} kIfsf] k|df0f a'emL lbOPsf] Goflos lg0f{odf dfbs kbfy{ ;]jg u/]sf sf/0f a;af6 v;L lgh s08S6/ 1fgaxfb'/ a:g]tsf] d[To' ePsf] 7x/ gu/]sf] tyf ;f] sf] ;fy kf]i6df6{d l/kf{]6df ;d]t ;f] pNn]v gePsf] :ki6 cj:yf /xFbf ;f]xL lg0f{o adf]lhd lgh s08S6/sf] d[To' a;af6 v;L b'3{6gfdf k/L d[To' dfGg' kg{] x'g cfpFb5 . o;y{ aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=nfO{ pk/f]Qm bfjLsf] bfloTj jfktsf] ?= &%,))).– -krxQ/ xhf/_ :jLsf/ u/L lgh d[ts 1fgaxfb'/ a:g]tsf lktf >L g/ axfb'/ a:g]tnfO{ e'QmfgL ug{' egL aLdf P]g, @)$( sf] bkmf *-3!_ bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$(, sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg'sf ;fy} ;f] pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t ;"lrt ul/G5 . Olt ;Djt\ @)%% ;fn >fj0f @@ ut] /f]h ^ z'ed\=======

lgj]bssf] gfd aLdssf] gfd >L ldlynf >]i7, >L /fli6«o aLdf ;+:yfg j8f g+=# ;fg]kf, 9'+ufvfgL, nlntk'/ . /fdzfxky, sf7df08f}+ .

d'2fM– u|fx:y{ aLdf bfjL af/] . != /fli6«o aLdf ;+:yfgsf] aLdfn]v g+= ## Pr=Pr=^ cGtu{t n=k'=pk dxfgu/kflnsf j8f g+= #, ;fg]kf, 9'+ufvfgL, zflGt a:tL l:yt a;f]af;sf] 3/ sfg"g ;Ddt tj/n] aLdf u/]sf]df s'g} ljjfb g/x]sf], ldlt @)%#÷$÷#! ut] /ftL cs:dft hldg efFl;g hfFbf aLdf u/]sf] pQm 3/ klg hldg efFl;Ps} sf/0f Ifltu|:t ePsf] . o;/L b}jL k|sf]kaf6 hldg efFl;O{ aLdf u/]sf] 3/ Ifltu|:t ePkl5 ldlt @)%#÷%÷@ df /fli6«o aLdf ;+:yfgnfO{ hfgsf/L u/fPsf] . pQm ;+:yfgaf6 ;e{]o/ ;d]t vl6O{ Ifltu|:t 3/sf] lg/LIf0f ;e{] u/L ;e{]o/n] Ifltu|:t ePsf] elg k|ltj]bg ;d]t bflvnf ug{' ePsf] . aLdf u/]sf] 3/ Ifltu|:t ePkl5 pQm 3/sf] vfkf rf}s; afx]s ?=^,(*,)^^.^^ k};fsf] bfjL @)%#÷%÷@$ df u/L ;f] aLdf bfjL /sd pknAw u/fO{ kfpgsf] nflu af/Daf/ pQm ;+:yfgsf clwsf/L ju{ ;dIf cg'/f]w u/]sf] . pQm ;+:yfgaf6 d]/f] bfjLsf] ;DaGwdf s'g} 6'+uf] gnufO lbPsf] sf/0f @)%$÷@÷@$ df aLdf lgodfjnL, @)$( sf] lgod #@ sf] clwgdf /xL >Ldfg\ dxfk|jGwsHo", /fli6«o aLdf ;+:yfg ;dIf bfjL /sd kfpF elg lgj]bg r9fPsf] . ;f] lgj]bgsf] klg 6'+uf] gnufOPsf] . jiff}{;Dd bfjL u/]sf] /sdsf] ;DaGwdf s'g} lg0f{o tyf 6'+uf] gnufO{ bfloTj lgwf{/0f gu/L csf/0f em'nfO{ d ph'/jfnf aLldtnfO{ Hofb} g} dsf{df kf/]sf] x'Fbf aLdf lgodfjnL, @)$( sf] lgod ## sf] clwgdf /xL aLdf ;ldlt ;dIf of] lgj]bg ug{ cfPsf] 5' . ctM aLdfn]v g+= ## Pr=Pr=^ cGtu{t /fli6«o aLdf ;+:yfgdf aLdf u/]sf] d]/f] a;f]af;sf] 3/ Ifltu|:t ePsf] x'gfn] d ph'/jfnf aLldtn] bfjL u/]sf /sdsf] ;DaGwdf cljnDa lg0f{o u/L bfjL /sd pknAw u/fO{ kfpF eGg] ;d]t Joxf]/fsf] lgj]bs ldlynf >]i7sf] ldlt @)%$÷^÷( sf] ph'/L lgj]bgsf] Joxf]/f . @= ;ldltsf] sf=zf=&&-@_)%$÷%% r=g+=(^%–(^^ ldlt )%$÷(÷@^ sf] kqaf6 aLdf lgodfjnL @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd lnlvt hfgsf/Lsf ;fy tT;DaGwL sfuhft ;d]t k]z ug{] aLdsnfO{ cfb]z . #= pQm 3/sf] u|fx{:y aLdfsf] nflu ldlt )%#÷$÷@& -!!÷*÷!((^_ df k|:tfj kmf/fd e/L aLdf nfu" u/fpg' ePsf]df pQm ldlt cufj} tkfO{sf] pQm 3/df lr/f k/L efFl;g] qmd hf/L e};s]sf] a'lemg cfPsf] ;Gbe{df pQm aLdfsf] s/f/sf] cfwf/ dflgg] k|:tfj kmf/fddf tkfO{n] æjf:tljs ;"rgf tyf tYo n'sfPsf] 5}g, unt ljj/0f lbPsf] jf unt JofVof u/L k|:t't u/]sf] 5}g, ;fy} ;+:yfsf] aLdfn]vsf] c+u dfgL k|:t't k|:tfj ;+:yfg / d aLrsf] s/f/sf] cfwf/ x'g]5 eGg] s'/f ;d]t :jLsf/÷3f]if0ff ub{5'Æ egL k|:tfj kmf/fddf ;xL ug{' eO{ jf:tljs tYo tyf aLdfsf] d"Vo ljifo j:t'sf] ljj/0f n'sfO{ ;xL ;"rgf hfgsf/L gu/fpg' ePsf] cfwf/df tkfO{sf] lhls/nfO{ k'i6ØfO{ ug{] s'g} cfwf/ eP # lbg leq k]z ug{' x'g eGg] ;d]t aLdssf] k=;+=d=k|=g+=$!÷)%$÷%% ldlt !#÷!)÷@)%$ sf] lgj]bsnfO{ n]v]sf] kqsf] Joxf]/f . $= aLldtsf] ldlt @)%$÷!)÷@@ sf] /fli6«o aLdf ;+:yfgsf] k=;+=d=k|=sf=$!÷)%$÷%% sf] ;DaGwdf d]/f] a;f]af;sf] 3/ aLdf ubf{ pQm 3/ efFl;Psf] rL/f k/]sf] lyPg . aLdf ug{' cufj} 3/ efFl;g] qmd hf/L ePsf] eGg] a'lemg cfPsf] eGg] ;+:yfgsf] kqsf] syg s'g k|df0fn] k'i6L u/]sf] xf] < s] cfwf/n] To:tf] a'emfO{ ljZjf;gLo / e/kbf{] x'g k'u]sf] xf] < s'g k|lqmof k4lt / sfg"gL k|fjwfgn] Tof] a'emfO{ cflwsfl/s dflgPsf] xf]

< h:tf cfwf/e"t s'/f;Dd klg Wofg glbO{ xr'jfsf] e/df ljj/0f tYo n'sfPsf] eGg] aLldt pk/sf] cf/f]k oyfy{df Ps kIfLo / lg/fwf/ 5 . d}n] aLdf ubf{ tYo n'sfPsf] eP / ljj/0f em'¶f lbPsf] eP of] of] tYo / sf/0faf6 ljj/0fx? em'¶f ePsf] eGg ;Sg'k5{ eg]/ dfGg' x'Fb}g tL egfOnfO{ k|df0fn] g} k'i6L ug{' kb{5 . em'¶f] ljj/0f lbPsf] / tYo n'sfPsf] eGg] cf/f]k g} ljns"n} lg/fwf/ 5 . ctM sfg"g ;Ddt tl/sfn] ;To tYo s'/f bzf{O{ aLdf u/]sf] 3/ Ifltu|:t ePsf] oltsf] nfdf] cjlw Joltt e};Sbf klg aLdf /sd gkfPsf]n] aLdf bfjL kfpg ;ljgo cg'/f]w 5 eGg] ;d]t Joxf]/fsf] aLdsnfO{ lgj]bsn] lbPsf] hjfkm . %= ;ldltsf] sf=zf=*^-@_ )%$÷)%% r=g+=!!#(÷$) ldlt )%$÷!!÷! sf] kqaf6 ;ldltsf] ldlt @)%$÷(÷@* sf] kqåf/f dfu ul/Psf ;Dk"0f{ sfuh kqsf ;fy} ;f] bfjL ;DaGwdf ;+:yfgaf6 u7Lt # ;b:oLo 5fgjLg cfof]un] k|ltj]bg tof/ kfbf{ lnPsf] ;Dk"0f{ sfuh k|df0f ;d]t k]z ug{ lgb{]zg . ^= aLdsn] k=;+=k|=r=g+=^)÷)%$÷)%% ldlt )%$÷!@÷$ sf] kqdf ;ldltaf6 dfq eP adf]lhd lgDg sfuhx? ;+nUg u/L k7fPsf] eGg] pNn]v ub{} sf7df08f}+ pkTosf gu/ ljsf; of]hgf sfof{Gjog ;ldlt, nlntk'/sf] ldlt )%$÷@÷@) r=g+=^&! sf] kqsf] k|ltlnlk tyf vfgL tyf e'ue{ ljefusf] ldlt )%$÷@÷@* sf] kqsf] k|ltlnlk tyf ;f] ;fy ;+nUg pQm ljefuåf/f n=k'=zflGt a:tLdf ul/Psf] cWoog k|ltj]bgsf] k|ltlnlk ;+nUg u/L cGo sfuhftx? ldlt df3 !#÷)%$ k=;+=d=k|=sf=$!÷)%$÷)%% sf] kq ;fy txfF k7fO{ ;lsPsf] eGg] ;d]t Joxf]/f . &= ;ldltsf] sf=zf=(& -@_ )%$÷)%% r=g+=!$)@÷!$)# ldlt )%$÷!@÷@% sf] kqaf6 pQm # ;b:oLo 5fgjLg cfof]un] k|ltj]bg tof/ kfbf{ lnPsf] ;Dk"0f{ sfuh k|df0f k]z ug{ n]lvP tfklg pQm 5fgjLg cfof]usf] k[i7 # df pNn]lvt ldlynf >]i7n] ldlt @)%#÷%÷% df n=k'= pk–dxfgu/kflnsf j8f g+=# sf] sfof{nodf lbPsf] lgj]bg tyf ;e{]o/ lzjZrg zfvM sf] ;e{] k|ltj]bg To; ;+:yfgsf] pNn]lvt kq tyf df3 !@,)%$ sf] kq ;d]tsf] ;fy ;+nUg eO{ cfPsf] kfOPg . ctM pNn]lvt sfuhft ;ldltdf k]z ug{ aLdsnfO{ lgb{]zg . *= aLdssf] k=;+=Pd cfO{ %( ldlt )%%÷@÷% sf] kqdf ldlynf >]i7sf] bfjL ;DaGwdf ;e{]o/sf] k|ltj]bgsf] cnfjf cGo sfuhftx? k]z u/L ;lsPsf]df ldlt )%$÷!@÷@% sf] kqaf6 ldlynf >]i7n] ldlt )%#÷%÷% df n=k'= pk–dxfgu/kflnsf j8f g+=# sf] sfof{nodf lbPsf] lgj]bg tyf ;e{]o/sf] k|ltj]bg dfq ul/Psf] x'Fbf k'gM pQm sfuhftx?sf] ;fy} zflGt ljsf; Snjsf] ldlt )%#÷$÷@& sf] kqsf] k|Ltlnlk tyf pQm zflGt a:tLdf hldg efFl;O{ lj:yflkt ePsf kl/jf/x?n] ldlt )%#÷%÷* df n=k'=sf ;f+;bx? tyf k|d'vsf] gfpFdf lbPsf] lgj]bgsf] k|ltlnlk klg o;} ;fy ;+nUg ul/Psf] 5 eGg] Joxf]/f . (= aLdf bfjL ;DaGwdf lgj]bssf] dfu adf]lhdsf] bfloTj lgwf{/0f lsg ug{ gkg{] xf] ;f] ;DaGwdf cGo cfjZos sfuhft tyf ljj/0f eP ;f] ;d]t kq k|fKt ldltn] ;ft -&_ lbg leq ;dltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf # tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;"lrt ul/Psf] ;ldltsf] k=;+=sf=zf=!#!÷@÷)%$÷%% ldlt )%%÷#÷! sf] kqsf] Joxf]/f . !)= o;}u/L kmfOn ;+nUg sfuhft tkm{ x]bf{ ldlt @)%#÷$÷# b]lv kb{} cfPsf] jiff{sf] kfgL jf cGo s]xL sf/0faf6 6f]ndf /x]sf ;ft -&_ 3/ lr/f k/]sf] b]lvg cfPsf], ;f] lr/fx? lbg k|ltlbg a9\b} uO/x]sf] x'Fbf s] slt sf/0fn] ;f] x'g uPsf] xf] ;DalGwt k|fljlwsaf6 lg/LIf0f tyf cg';Gwfg u/L s] ePsf] xf] tYo k|fljlwsaf6 /fo pknAw u/fO{ ;xof]u u/L lbg eGg] :yfgLo zflGt ljsf; Snjn] vfgL tyf e"ue{ ljefunfO{ n]v]sf] ldlt @)%#÷$÷@& sf] kqsf] Joxf]/f kfOG5 .

vfgL tyf e"ue{ ljefusf >L ljho a= >]i7 nufot # ;b:oLo k|fljlws 6f]nLn] ;fpg @*,@)%# / ebf} &,@)%# -!@÷*÷!((^ / @#÷*÷!((^_ df :ynut cWoog u/L k|ltj]bg ;d]t k]z u/]sf] b]lvG5 . aLdsåf/f ul7t # ;b:oLo 5fgljg ;ldltsf] ldlt @)%$÷$÷@# sf] k|ltj]bgdf aLldtn] aLdf u/]sf ldlt @)%#÷$÷@& df g} :yfgLo zflGt ljsf; Snjsf cWoIf an/fd sfsL{n] vfgL tyf e'ue{ ljefudf lbPsf] lgj]bgdf @)%#÷$÷# ut] b]lv k/]sf] jiff{sf] kfgLsf] sf/0f & j6f 3/ lr/fk/]sf] elg ls6fg ;fy pNn]v ePsf] . o; ;ldltaf6 :ynut lg/LIf0f ubf{ ;f] 7fpFdf aLldt ;d]tsf] & j6f 3/ lr/f k/]sf] egL ls6fg;fy pNn]v ePsf] . o; ;ldltaf6 :ynut lg/LIf0f ubf{ ;f] 7fpFdf aLldt ;d]tsf] & j6f 3/ rs{]sf] b]lv+bf aLldtsf] 3/ hldg efFl;g uPsf] sf/0faf6 ePsf] s'/fdf ljjfb g/x]sf] ldlt @)%#÷$÷#! df 3/ rs{]sf]

ge} cfkm\gf] 3/lr/f kg{ yfn] kl5 ldlt @)%#÷$÷@& df aLdf u/]sf] . jf:tljs tYo (Disclosure of material facts) v'nfO{ ;xL tYo ljj/0f (Utmost good faith) k]z gu/]sf] . ldlt @)%#÷$÷# b]lv

k/]sf] jiff{n] lr/f kf/]sf 3/x? dWo] aLldtsf] 3/ ;dfj]z ePsf] tYo lghn] ldlt @)%#÷%÷% df j8f sfof{nodf lbPsf] lgj]bg / ;f] adf]lhd ug{ j8f sfof{nosf] l;kmfl/; ;fy} ;e{]o/n] k]z u/]sf] k|ltj]bgaf6 b]lvg] eGg] ;d]t Joxf]/f kfOG5 . j8f sfof{nosf] ldlt @)%#÷%÷% sf] kqdf ldlt @)%#÷$÷#! ut] b]lv hldg efFl;g] qmdn] df]6/ hfg] af6f] / aLldt ;d]tsf] ^ j6f 3/ Iflt ePsf] Joxf]/f pNn]v 5 . ldlt @)%#÷%÷* sf] aLldt nufot ;ft -&_ hgfsf] hldg efFl;O{ lj:yflkt kl/jf/sf] Joj:yf ;DaGwdf eGg] Joxf]/fsf] ;f;+b tyf gu/kflnsf k|d'vnfO{ n]v]sf] kqdf >fj0f #! ut] /ftLb]lv cs:dft hldg efFl;O ;ft 3/x? a:g cof]Uo ePsf] pNn]v u/]sf] b]lvG5 . ;e{]o/ ;f6f OlGhlogl/Ë Pzf]l;o6\;df] ldlt ^÷*÷)%# sf] ;e{] k|ltj]bgdf Ifltsf] sf/0f hldg efFl;g

(landslide) /x]sf] pNn]v ub{} pQm hldg efFl;g] qmd cui6 dlxgfsf] aLrdf ePsf] tyf ;f] 3/sf] aLdf !!

cui6df ul/Psf] Joxf]/fsf] ;fy} lgj]bssf] 3/sf] Iflt d"NofÍg ?= %,)(,^)).– ul/Psf] kfOG5 . o; k|sf/ ldl;n ;+nUg sfuhftsf] cWoog kZrft lgj]bs ldlynf >]i7sf] bfjL adf]lhd aLds /fli6«o aLdf ;+:yfgn] bfloTj :jLsf/ u/L bfjL e'QmfgL ug{' kg{] gkg{] ;DaGwdf aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ adf]lhd dfu ul/Psf] cGo cfjZos sfuhft tyf ljj/0f lbPsf] Dofb / sfg"g adf]lhdsf] Dofb leq /fli6«o aLdf ;+:yfgn] ;ldltdf k]z gu/]sf] x'Fbf aLdf lgodfjnL @)$( sf] lgod ## sf] pk lgod -!u_ adf]lhd PstkmL{ lg0f{o ug{' kg{] b]lvg cfPsf]n] o; tkm{ ljrf/ ubf{ aLdsn] bfloTj :jLsf/ u/L bfjL e'QmfgL ug{'kg{] gkg{] tkm{ lg0f{o ug{' cufl8 pQm aLldt ldlynf >]i7n] aLds ;dIf cfkm\gf] 3/ aLdf ug{ cfpg' cufj} cfkm\gf] 3/ lr/f kg{ z'? eO;s]sf] af/]df lghnfO{ hfgsf/L lyof] jf lyPg eGg] af/] 7x/ ug{' kg{] b]lvof] . Psftkm{ ldl;n ;+nUg sfuhftdf /x]sf] zflGt ljsf; Snjn] vfgL tyf e"ue{ ljefunfO{ n]v]sf] kqdf ldlt @)%#÷$÷# b]lv kb{} cfPsf] kfgLn] jf cGo s]xL sf/0faf6 pQm 6f]nsf s]xL 3/x? -;ft 3/_ lr/f k/]sf] eGg] Joxf]/f kfOG5 eg] csf{]tkm{ vfgL tyf

e"ue{ ljefusf] ltg ;b:oLo 6f]nLsf] k|ltj]bgdf Houses inside the influence area have developed serious cracks eGg] 5 . ;fy} aLdsåf/f ul7t # ;b:oLo 5fgjLg cfof]usf] k|ltj]bgdf &

j6f 3/ rs{]sf] b]lvbf ldlynf >]i7n] eg] cg'?k ;f] 3/ ldlt @)%#÷$÷#! ut] b]lv rs{]sf] eGg] s'/f ljZjf; ug{ ldNg] s'g} cfwf/ b]lvPg eGg] pNn]v u/]sf] kfOG5 . ;dflji6df x]bf{ zflGt ljsf; Snj vfgL tyf e'ue{ ljefusf] k|ltj]bgdf sf] s;sf] 3/ lr/f k/]sf] xf] ;f] pNn]v gul/g' / :jo+ aLdsåf/f ul7t # ;b:oLo

5fgljg cfof]un] ;d]t lgj]bsn] eg] cg'?k ;f] 3/ ldlt @)%#÷$÷#! ut] b]lv rs{]sf] eGg] s'/f ljZjf; ug{ ldNg] s'g} cfwf/ b]lvPg egL z+sf:kb Joxf]/fsf] k|ltj]bg k]z u/]sf] kl/k|]Iodf aLdsn] pNn]v u/]sf] ldlt @)%#÷%÷% sf] lgj]bs ldlynf >]i7n] nlntk'/ pk–dxfgu/kflnsf j8f g+= # df k]z u/]sf] eGg] kq ldl;n ;+nUg e} ;ldltdf k]z x'g gcfPsf], t/ ;f]xL ldltsf] pQm pk–dxfgu/ kflnsfsf] kqdf ldlt @)%#÷$÷#! ut] /ftLb]lv z'? ePsf] cs:dft hldg efFl;g] qmdn] egL l;kmfl/; k|dfl0ft ul/Psf], ldlt @)%#÷%÷* sf] ;f+;bx? tyf k|d'vsf] gfddf lbPsf] lgj]bgdf ;d]t >fj0f #! ut] /ftLb]lv cs:dft hldg efFl;g uO{ eGg] Joxf]/f pNn]v ePsf] 5 . o;/L ldl;n ;+nUg s'g} sfuh k|df0faf6 lgj]bs ldlynf >]i7sf] pQm 3/ aLdf ug{' cufj} lr/f k/]sf] / ;f] sf] hfgsf/L ePkl5 dfq pQm Joxf]/f n'sfO{ aLdf u/]sf x'g egL k'i6L ug{ ;lsg] cj:yf ljBdfg /xg cfPsf] b]lvPg . o; k|sf/ aLdsn] :ki6 cfwf/ k|df0f gePsf] cj:yfdf s]jn z+sfsf] e/df aLldtnfO{ bfjL e"QmfgL ug{ OGsf/ u/]sf] b]lvG5 . :ki6 cfwf/ k|df0f ljgf z+sfsf] cfwf/df e'm¶f ljj/0f jf tYo lbPsf] egL bfjL e'QmfgL ug{ c:jLsf/ ug{ ldNb}g . of] tYo / k|df0fn] pQm ljj/0f jf tYo e'm¶f xf] egL olsg ;fy lgSof}{n ug{ / To:tf] egfOnfO{ k'i6L ug{] lglj{jfb k|df0f ;d]t k]z ul/g' kg{] x'G5 . o;y{ aLdsåf/f z+sfsf] cfwf/df bfloTj c:jLsf/ u/L bfjL e'QmfgL ug{ OGsf/ ug{ ldNg] cj:yf b]lvPg . o;} u/L lgj]bsn] Iflt jfkt ?= ^,(*,)^^÷^^ -^ nfv cG7fgAa] xhf/ 5};¶L ?k}of 5};¶L k};f dfq_ Ifltk"lt{ dfu u/]sf]df Iflt d"NofÍgstf{ ;e{]o/åf/f ?=%,)(,^)).– -kfFr nfv gf} xhf/ 5 ;o ?k+}of dfq_ a/fa/ Iflt d"NofÍg k|ltj]bg ;d]t k]z x'g cfPsf] b]lvbf ;f] d"NofÍg pk/ aLldt tyf aLds b'j} kIfaf6 ljjfb gp7fPsf] cj:yfdf ;f] d"NofÍgnfO{ cGoyf eGg ldNg] cj:yf /x]g .

7x/ o; k|sf/ kmfOn ;+nUg ;Dk"0f{ sfuhftsf] cWoog ljZn]if0f kZrft u|fx{:y aLdfn]v g++=## Pr=Pr=))))^÷(^)*!! cGtu{t aLdf ul/Psf] aLldt ldlynf >]i7sf] 3/ aLdfn]v cjlw leq} ldlt @)%#÷$÷#! b]lv cs:dft hldg efFl;O{ 3/ lr/f kl/ Iflt ePsf] b]lvg cfPsf]n] aLds /fli6«o aLdf ;+:yfgnfO{ aLldt ldlynf >]i7nfO{ aLdf Ifltk"lt{ jfkt ;e{]o/n] d"NofÍg u/]sf ?= %,)(,^))÷– -kfFr nfv gf} xhf/ 5 ;o ?k}+of dfq_ bfjL e'QmfgL ug{' egL aLdf P]g, @)$( sf] lgod ## sf] pk–lgod -@_ adf]lhd cfb]z ul/G5 . ;fy} o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k'g/fj]bg ug{ hfg' egL kIfx?nfO{ hfgsf/L u/fOG5 . Olt;Djt\ @)%% ;fn efb| @! ut] /f]h ! z'ed\========

lgj]bssf] gfd aLdssf] gfd >L u/aLb]jL nfdf, jL/u+h >L o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ln= g]kfn oftfoft :jtGq dhb'/ ;+u7g, ltgwf/f, kf7zfnf, b/jf/dfu{ s]= sf=, k'tnL;8s . sf7df08f}+ .

d'2f M– aLldt /sd lbnfO{ kfpF . aLdf P]g, @)$( sf] bkmf * -3!_ bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; k|sf/ 5 . != d]/f] klt >L ;'Gb/ nfdf a; wgL k|yd kIf a;fdn l;GwL / bf]>f] kIf df]xg l;+xsf] a; g+= gf=c=v= $*@@ df sfo{/t /x]sf] cj:yfdf ldlt @)%#÷#÷@! ut]sf lbg jL/u+haf6 wgu9Ltkm{ hfFbf 7Ls lgtgk'/ l:yt ;jf/L b'3{6gfdf k/L pkrf/ u/fpFbfs} cj:yfdf d[To' x'g cfPsf] / ldl;n k|df0f ;lxt aLldt /sd kfpgsf nflu aLdf sDkgL afx]s cGo ;/sf/L k|zf;g ;d]tdf lgj]bg lb+bf klg xfn;Dd kLl8t kIfn] kfpg' kg{] aLldt /sd kfpg g;s]sf] x'gfn] >Ldfg\ ;dIf /x]sf] ldl;n k|df0f ;lxt pQm aLldt /sd lbnfO{ e/fO{ lbg] sfo{df ;xof]u u/L kfpF eGg] ;d]t Joxf]/sf] lgj]bLsf u/aLb]jL nfdfsf] ldlt @)%$÷*÷!^ sf] ph'/L lgj]bg . @= plNnlvt lgj]bgsf] sf/jfxL lsgf/f ug{ lgh df]xg l;+x ;/bf/hL;+u ;f]wk'5 ;d]t ug{' kg{] b]lvPsf]n] lgh df]xg l;+x ;/bf/hLnfO{ cljnDa o; ;ldltdf pkl:yt x'g hfg ;"lrt ul/lbg' e} cfjZos ;xof]u ul/lbg' x'g eGg] ;d]t gf/fo0fL oftfoft Joj;foL ;+3nfO{ cg'/f]w ul/Psf] ;ldltsf] ldlt @)%$÷(÷@# sf] kqaf6 aLdsnfO{ lgb{]zg . #= plNnlvt bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f] sf] lnlvt hfgsf/Lsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft k]z ug{ ;ldltsf] ldlt @)%$÷(÷@# sf] kqaf6 aLdsnfO{ lgb{]zg . $= lgj]bLsf u/aLb]jL nfdfsf] ldlt @)%$÷*÷!^ sf] lgj]bg pk/ cfjZos sf/jfxL x'Fbf gf/fo0fL oftfoft Joj;foL ;+3 d'Vo sfof{no x]6f}8fnfO{ To; ;fd'bflos ;]jf s]Gb|n] n]v]sf] ldlt @)%#÷(÷@% sf] kq ;DaGwdf s]xL s'/f a'em\g cfjZos ePsf]n] ;f] ;DaGwdf cfkm";+u ePsf k|df0f sfuh ;lxt ;ldltdf pkl:yt x'g ;fd'bflos ;]jf s]Gb|nfO{ ;ldltsf] ldlt @)%$÷(÷@$ sf] kqaf6 lgb{]zg . %= gj/fh aflgof ;fd'bflos ;]jf s]Gb| jL/u+h zfvf >Lk'/–!^ lj/u+h g]kfnnfO{ lnlvt hjfkm tyf tt\;DaGwL sfuh k|df0f k]z ug{ lgb{]zg lbOPsf] ;ldltsf] ldlt @)%$÷!)÷& sf] kqsf] Joxf]/f . ^= o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ lnld6]8sf] cflwsfl/s clestf{sf] x}l;otn] ;fd'lxs b'3{6gf aLdf cGtu{t hf/L ul/g] se/gf]6 k|bfg ug{] l;nl;nfdf ldlt @)%#÷#÷@! ut] ;jf/L wgL a;fdn l;GwL jL/u+h gu/kflnsf & n] cfkm\gf] ;jf/Ldf sfo{/t 8«fOe/ sG8S6/ / x]Nk/sf] aLdf u/fO{ lbgsf] nflu k|:tfj /fVg' ePsf]n] ;jf/L g+= gf=c=v= $*@@ g+= ef8f jfkt ?= !,)),))).– &%,))).– / %),))).– aLdf ;'/Ifsf] se/gf]6 hf/L ul/Psf] pQm se/gf]6 @)%#÷#÷@! ut] lbpF;f] $=$% ah] ;jf/Lsf] ?6 Ohfht kq gljs/0f ug{] k|of]hgsf] nflu egL ;DalGwt ;jf/L wgLn] nfUg] aLdfz'Ns a'emfO{ n}hfg' ePsf] xf] . ;f] ;jf/L ;f]xL lbg b'3{6gf eO{ sG8S6/ ;'Gb/ nfdfsf] pkrf/ x'Fbfx'Fb} ;f]xL lbg d[To" ePsf] ;f] ;jf/L ldlt @)%#÷#÷@! ut] lbgsf] @=#) ah] b'3{6gf e};s]sf] a'lemg cfPsf] . ldlt @)%#÷(÷@% ut] o; ;]jf s]Gb|n] gf/fo0fL oftfoft Joj;foL ;+3sf] ldlt @)%#÷(÷@$r=g+ !)&& hfgsf/L u/fO{ lbg] eGg] kqsf] hjfkmdf cGbfhL $=$% ah]

df]xg l;+x ;/bf/hL cfO{ aLdf u/fO{ nu]sf] hfgsf/L u/fPsf] . n]lvPsf] Joxf]/f d}n] hfg] a'em];Dd 7Ls ;fFrf] 5 eGg] ;d]t ldlt @)%$÷!)÷& sf] ;fd'bflos ;]jf s]Gb|sf] kqsf] Joxf]/f . &= ;ldltaf6 ldlt @)%$÷(÷@# kqaf6 dfu eP adf]lhd cfjZos sfuhftx? gTyL u/L k7fPsf] eGg] Joxf]/fsf] aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] ldlt @)%$÷!!÷!) sf] kq .

*= pQm sDkgLaf6 aLdf ubf{ open policy adloc policy jf agreement s] s'g cfwf/df aLdf

clestf{åf/f se/gf]6 hf/L ul/Psf] xf] ;f] v'nfO{ eP ;f] ;DaGwL sfuhft ;d]t ;ldltdf k]z ug{ tyf clestf{ ;fd'bflos ;]jf s]Gb|nfO{ lgb{]zg lbPsf] ;ldltsf] @)%%÷!÷& sf] kq . (= o"gfO6]8 OG:of]/]G; sDkgL -g]_ ln= af6 k|fKt ;fd'bflos b'3{6gf cGtu{tsf] se/gf]6 hf/L ug{] sDkgLsf] ldlt cg'?k o; s]Gb|n] jL/u+h zfvfaf6 ;jf/L wgL a;fdn l;GwLsf] gf=c=v=$*@@ g+= sf] ef8f a;sf] ldlt @)%#÷#÷@! df cGbfhL $=#) ah]kl5 aLdf ;'/If0f x'g] k|of]hsf nflu se/gf]6 hf/L ul/Psf] xf] . pQm aLdf se/gf]6 ;jf/L P]g, @)$( sf] kl/R5]b * sf] bkmf !$( tyf ;f]xL P]gsf] kl/R5]b sf] bkmf &* cg'?k oftfoft Joj:yf sfo{fno jL/u+h zfvfdf ;d]t ?6 Ohfht k|fKt ug{] k|of]hgsf nflu k]z ug{] ;d]t k|rng /x]sf] 5 . t/ k|:tfjs df]xg l;+xn] ;jf/L b'3{6gf e} sG8S6/sf] d[To' eO;s]kl5 aLdf ug{ cfpg' ePsf]n] o; ;]jf s]Gb|n] jf:tljs Joxf]/f ;DalGwt sDkgLdf cjut u/fPsf] lyof] . ;fy} lghn] ?6 Ohfht ;d]t ;dodf gjLs/0f gu/fpg] / hfFh kf; ;d]t gug{] u/]sf] lghn] k|:t't u/]sf] ;jf/Lsf] Ohfhtaf6 ;d]t b]lvG5 . ;fy} pQm Joxf]/f ;DalGwt oftfoft Joj:yf sfof{noaf6 ;d]t pknAw x'g] ljZjf; lbnfpF5f}+ . d[To' e};s]sf] kZrft eP u/]sf] aLdf lghsf] bfjL k'Ug] xf] jf xf]Og >Ldfg\ af6 cWoog x'g] g} 5 egL of] lnlvt hjfkm ;fd'bflos ;]jf s]Gb|sf] tkm{af6 k]z u/]sf] 5' . >Ldfg\sf] hf] cfb]z eGg] ;fd"bflos ;]jf s]Gb|sf] ldlt @)%%÷!÷!$ sf] lnlvt hjfkm . !)= ;fd"bflos ;]jf s]Gb| lj/u+h zfvfaf6 hf/L ul/Psf] se/gf]6 g+= !)!!^& sf] ;DaGwdf ToxfFaf6 ;f]wgL ePsf]df o; sDkgLn] cGo aLdf clestf{n] ug{] h:t} sfo{ k4ltsf] rn]sf] rng adf]lhdsf] k|yf adf]lhd ug{] ul/Psf] Joxf]/f cjut u/fPsf] 5' eGg] aLdssf] a}zfv !$, @)%% sf] kq . !!= plNnlvt aLdf bfjL ;DaGwdf cGo sfuh k|df0f jf ljj/0f eP ;f] ;d]t lnlvt hjfkmsf ;fy ;ldltdf k]z ug{ ;ldltsf] ldlt @)%%÷#÷@% sf] kqaf6 lgj]bsnfO{ lgb{]zg . !@= tkfO{sf] ldlt @)%$÷*÷!^ sf] lgj]bg pk/ cfjZos sf/jfxL eO{ aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] ldlt @)%$÷!!÷!) sf] kq tyf ;+nUg sfuhft / aLdf clestf{ ;fd"bflos ;]jf s]Gb|sf tkm{af6 gj/fh aflgofsf] ldlt @)%$÷!)÷& tyf ldlt )%%÷!÷!$ sf] lnlvt hjfkm ;d]taf6 ldlt )%#÷#÷@! ut] lbpF;f] $=$% ah]lt/ ?6 Ohfht kq gljs/0f ug{] k|of]hgsf] nflu elg ;jf/L wgL a;fdn l;GwL lj=g=kf= & sf] gfddf btf{ /x]sf] gf=c=v=$*@@ g+= sf] ef8f a;sf] oftfoft dhb'/ aLdf >L df]xg ;/bf/hLn] u/fO nu]sf] / aLdf ug{' cufj} ldlt @)%#÷#÷@! ut] !$=#) ah] pQm a;n] ;f]xL a;df sfd ug{] sG8S6/ ;'Gb/ nfdfnfO{ 7Ss/ lbO{ lghsf] jL/u+h c:ktfndf pkrf/ x'Fbf x'Fb} d[To' ePsf] eGg] Onfsf k|x/L sfof{no l;d/f af/fsf] ldlt @)%#÷%÷( sf] kq ;d]tsf] Joxf]/f b]lvg cfPsf]n] ;f] ;DaGwdf s] s;f] eP u/]sf] xf] ;f] af/] oyfy{ hfgsf/L x'g] tkfO{sf] lnlvt hjfkmsf ;fy} eP sfuh k|df0f jf cGo ljj/0f ;d]t ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod -!v_ sf] Joj:yf adf]lhd lgj]bsnfO{ ;"lrt ul/Psf] ;ldltsf] ldlt @)%%÷%÷!% sf] kqsf] Joxf]/f . !#= lgj]lbsf u/aLb]jL nfdfsf] ldlt @)%%÷%÷@* sf] kqdf aLds o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ n] d}n] u/]sf] aLldt /sdsf] bfjL pk/ dnfO{ hfgsf/L lbP cg';f/ d}n] kfpg' kg{] aLldt /sd ToxfF aLdf sDkgLaf6

gkfpg] ePsf] x'gfn] k"gM ;jf/L wgL >L a;fdn l;GwL ePsf] >L df]xg l;+x ;/bf/;+u aLdf /sd gkfpg] ljifodf 5nkmn ubf{ pQm >L df]xg l;+x ;/bf/n] dnfO{ eg] ls of] aLdfsf] /sd h;/L ePklg aLdf sDkgLn] ltg{'k5{ . lsgeg] d}n] aLdf u/fPsf] 5' / ;do;+u xfdLnfO{ s'g} ;/f]sf/ 5}g . ;do;+u ;/f]sf/ ePsf] ePb]lv ;fd'bflos ;]jf s]Gb|sf] >L gj/fh aflgofFn] ;do cjZo n]Vg' x'g] lyof] . lxhf] ;do gn]Vg] ca ;dosf] ljjfbdf cNemfP/ /fVg ldNb}g . d}n] aLdfsf] /l;b sf6]sf] 5' / ;f]xL /l;b sf6LPsf] ldlt Ps} lbgsf] k/]df s]xL km/s kb{}g lsgeg] /l;b sfl6Ps} lbgsf] /ftL !@M)) ah]b]lv aLdfsf] lhDd]jf/L -l/S; se/_ nfu" x'G5 . t;y{ o;sf] nflu xfdLn] sfg"gL ;Nnfxsf/;+u ;Nnfx lnb}+ aLdf sDkgL dfly d'2f lbg' k5{ / of] aLldt /sd h;/L ePklg aLdf sDkgL o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=n] Joxf]g{' k5{ elgPsf] x'Fbf d;+u /x]sf] ;Dk"0f{ sfuhft -ldl;n kmfOn_ ;lxt ToxfF aLdf ;ldltdf lgj]bg;+u k]z u/]sf] Joxf]/f cg'/f]wsf ;fy hfgsf/L u/fOG5 . s[kof d}n] kfpg] aLldt /sd sxfFaf6 / s;n] lbg' kg{] xf] ;f]sf] oyflz3| lg0f{o u/L kfpF egL ;d]t >Ldlt u/aLb]jL nfdfsf] lgj]bgsf] Joxf]/f . !$= ;ldltdf k|fKt lgj]lbsf u/aLb]jL nfdf, jL/u+hsf] aLldt /sd lbnfO{ kfpF eGg] ljifosf] ldlt @)%$÷*÷!^ sf] ph'/L lgj]bg ;DaGwdf cfjZos sf/jfxL x'Fbf pQm lgj]bgdf k|yd kIf a;fdn l;GwL / bf]>f] kIf df]xg l;+xsf] a; g+= gf=c=v= $*@@ df sfo{/t /x]sf] cj:yfdf ldlt @)%#÷#÷@! ut] d]/f] klt ;'Gb/ nfdfsf] ;jf/L b'3{6gfdf d[To" ePsf] elg pNn]v ePsf] tt\;DaGwdf aLds o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=, tyf aLdf clestf{ ;fd'bflos ;]jf s]Gb|;+u a'em\bf pQm a; g+= gf=c=v= $*@@ sf] b'3{6gf eO{ ldlt @)%#÷#÷@! ut] @M#) ah] sG8S6/ ;'Gb/ nfdfsf] d[To' ePsf] / ;f] sf] hfgsf/L glbO{ ;f]xL lbg cGbfhL $M$% ah] aLdf se/gf]6 hf/L u/fO{ nu]sf] eGg] ;d]t Joxf]/fsf] lnlvt hfgsf/L o; ;ldltdf k]z x'g cfPsf]n] ;f] ;DaGwdf s] s];f] eP u/]sf] xf] ;f] af/] eP k|df0f–sfuh ;lxt ;ldltdf pkl:yt x'g >L a;fdn l;GwL jL/u+h gu/kflnsf j8f g+= & nfO{ ;"lrt ul/Psf] ldlt @)%%÷^÷@& sf] ;ldltsf] kq . !%= lgj]bs df]xg l;+xn] a; g+= gf=c=v= $*@@ ldlt @)%#÷#÷@! ut]sf lbg jL/u+haf6 wgu9L hfg'k/]sf]n] ;f]xL ldltdf laxfg !!M)) ah] ;fd"bflos ;]jf s]Gb| jL/u+h zfvfsf] >L gj/fh aflgofsf] /=g+= !)!!^& ePsf] /l;bdf dhb'/ aLdf s6fO{ /sd a'em]sf]df aLldt /sd kLl8t kIfnfO{ aLdf sDkgLn] lbg lsg gldNg] ;fd'bflos ;]jf s]Gb|sf] gj/fh aflgofFsf] dhL{ aofg sxfF;Dd sfg"g ;+ut x'g] xf] lsg eg] ;dosf] lhls/ ug{ gldNg] cj:yfdf ;dosf] ljjfb lsg < / cl3 g} ;do n]Vg' kg{] lsg n]lvPg < aLdf /l;b sfl6Psf] lbg cl3Nnf] /ftL b]lvg} aLdf nfu" x'g' kg{] x'Fbf kLl8t kIfn] aLdf /sd aLdf sDkgL af6} kfpg' k5{ eGg] Joxf]/fsf] hfgsf/Lsf] ;fy} cg'/f]w ub{5' . >Ldfg\sf] hf] cfb]z egL lgj]bs df]xg l;+xsf] ldlt @)%%÷&÷@& sf] Joxf]/f . !^= o;/L ldl;n ;+nUg sfuhftaf6 a; g+= gf=c=v= $*@@ df sfo{/t sG8S6/ ;'Gb/ nfdfsf] ;f]xL a; b'3{6gfdf k/L ldlt @)%#÷#÷@! ut] 3fOt] eO{ pkrf/ ubf{ ub}{ d[To' ePsf]df ;d]t ljjfb g/x]sf] o; aLdf bfjLdf pQm a; g+= gf=c=v=$*@@ sf] b'3{6gf x'g' cufj} aLdf ePsf] xf] jf a; b'3{6gf kZrft aLdf ul/Psf] xf] ;f] af/]df osLg ug{' kg{] b]lvg cfof] . o; tkm{ ljrf/ ubf{ aLds o"gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=sf] tkm{af6 pQm se/gf]6 g+= !)!!^& hf/L ug{] aLdf clestf{ ;fd'bflos ;]jf s]Gb| jL/u+h zfvfsf gj/fh afgLofFn] ;ldltdf pkl:yt eO{ lnlvt hjfkm k]z ubf{ ;d]t pQm aLdf ldlt @)%#÷#÷@! sf lbg lbpF;f] cGbfhL $M$% ah] ;jf/L wgL a;fdn l;GwLsf] dflg; df]xg l;+x ;/bf/hLn] u/fO{ nu]sf] elg :ki6 ls6fgL Joxf]/f n]lvlbPsf] kfOG5 . o; ;DaGwdf lgj]bsnfO{ cfkm\gf] k|df0f sfuh k]z ug{ elgPsf]df lghn]

;jf/L wgLsf dflg; df]xg l;+x ;/bf/hLn] aLdfsf] /sd h;/L eP klg aLdf sDkgLn] ltg{' k5{ eg]sf], ;do;+u ;/f]sf/ ePsf] eP clestf{n] klxNo} ;do pNn]v ug{' kg{] lyof] . b'3{6gf ldlt / aLdf /l;b sfl6Psf] ldlt Ps} lbg k/]/ s]xL km/s kb{}g lsgeg] /l;b sfl6Ps} lbgsf] /ftL !@M)) ah]b]lv aLdfsf] lhDd]jf/ -l/S; se/_ nfu" x'G5 eg]sf] . s[kof d}n] kfpg' kg{] aLldt /sd sxfFaf6 / s;n] lbg' kg{] xf] ;f]sf] oyflz3| lg0f{o u/L kfpF egL lnlvt hjfkm k]z u/]sf] kfOG5 eg] ;jf/L wgL a;fdn l;GwLnfO{ pkl:yt x'g n]lvPsf]df lgh Dofbleq ;ldltdf pkl:yt x'g cfPsf] kfOb}g eGg] hfgsf/L ;DaGwdf egL df]xg l;+xn] ;ldltdf lnlvt kq k7fPsf] / ;f] kqaf6 ldlt @)%#÷#÷@! sf lbg jL/u+h wgu9L hfg' k/]sf]n] laxfg !!M)) ah] ;fd'bflos ;]jf s]Gb| jL/u+h zfvfsf] >L gj/fh afgLofF;+u se/gf]6 hf/L u/fO{ nu]sf] aLldt /sd kLl8t kIfnfO{ aLdf sDkgLn] lbg lsg gldNg], gj/fh afgLofFsf] dhL{ aofg sxfF;Dd sfg"g ;Ddt x'g] xf] lsgeg] ;dosf] lhls/ ug{ gldNg] cj:yfdf ;dosf] ljjfb lsg < / cl3g} ;do n]Vg' kg{] lsg n]v]g < aLdf /l;b sfl6Psf] lbg cl3Nnf] /ftL b]lvg} aLdf nfu" x'g' kg{] x'Fbf kLl8t kIfn] aLdf /sd aLdf sDkgL af6} kfpg' k5{ eGg] Joxf]/f k]z u/]sf] kfOof] .

7x/ o; k|sf/ lg0f{otkm{ ljrf/ ubf{ b'3{6gf ;do cufj} se/gf]6 hf/L ePsf] / aLdf /l;b sfl6Psf] cl3Nnf] /flt b]lvg} aLdf nfu" x'g] eGg] Joxf]/f k'li6 ug{] s'g} sfuh k|df0f lgj]bsaf6 k]z x'g gcfPsf] cj:yfdf aLdssf] tkm{af6 pQm se/gf]6 hf/L ug{] ;fd'bflos ;]jf s]Gb|, jL/u+hsf gj/fh aflgofFn] ;ldltdf pkl:yt eO{ pQm se/gf]6 ldlt @)%#÷#÷@! ut] lbgsf] sl/a $M$% ah]lt/ hf/L u/]sf egL lnlvt hjfkm k]z u/]sf] / b'3{6gfsf ;DaGwdf Onfsf k|x/L sfof{no l;d/f, af/fsf] ldlt @)%#÷%÷( sf] kqdf ldlt @)%#÷#÷@! ut] lbgsf] !$M#) ah]sf] ;dodf gf=c=v= $*@@ g+=sf] a;n] ;f]xL a;df sfd ug{] sG8S6/ ;'Gb/ nfdfnfO{ 7Ss/ lbO{ lghsf] jL/u+h c:ktfndf pkrf/ ubf{ ub{} d[To" ePsf] elg pNn]v ePsf] b]lvg cfPsf] k|fKt sfuhftaf6 ;f] b'3{6gf x'g cufl8 g} aLdf eO;s]sf] ;j'baf6 b]lvg gcfPsf] / ;jf/L wgLnfO{ o; ;DaGwdf pkl:yt eO{ k|df0f lbg] cfb]z ubf{ klg lghn] ;f] ;DaGwL k|df0f bflvnf gu/]sf]n] pQm se/gf]6 b'3{6gf c'g' cufj} hf/L ePsf] dfGg ldNg] cj:yf /x]g . o;}u/L aLdfsf] d"ne"t l;4fGt cGtu{tsf]

k/d\ ljZjf;sf] l;4fGt (utmost good faith) ljk/Lt jf:tljs tYo n'sfO{ aLdf u/]sf] xf]Og elg

lgj]bs aLldtsf tkm{af6 :ki6 sfuh k|df0fn] k'li6 ug{ ;Sg' kg{] x'G5 . k|:t't aLdf bfjLdf gj/fh aflgofFsf] aofg em'¶f] ePsf] jf aLdf u/]sf] lbgsf] cl3Nnf] /ftL b]lvg} aLdf nfu" x'G5 elg k'li6 ug{] sfuh k|df0f k]z x'g gcfpg'sf] ;fy} aLdfsf] k|rngdf ;d]t aLdf u/]sf] aLldtsf] cl3Nnf] /ftaf6} aLdf u/]sf] dflgg] eGg] g/x]sf] / aLdfsf] k/d ljZjf;sf] l;4fGt ljk/Lt ;d]t b]lvg cfPsf]n] of] aLds tyf aLldt aLr aLdf s/f/ ePsf] dfGg ldNg] cj:yf geO{ aLdf gu/]sf] cj:yf dfGg' kg{] x'G5 . o:tf] cj:yfnfO{ ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !$( sf] cj:yf dfGg' kg{] x'G5 / ;f]xL adf]lhd Ifltk"lt{ k|fKt ug{ ;Sg] g} x'Fbf ;f] ;DaGwdf o; ;ldltaf6 ljrf/ u/L /xg' k/]g . ctM aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd of] lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t ;DalGwt kIfnfO{ hfgsf/L u/fOG5 . Olt ;Dat\ @)%% ;fn k'; ^ ut] /f]h @ z'ed\========

>L k'g/fj]bg cbfnt, kf6g nlntk'/ ;+o'Qm Ohnfz

dfggLo Gofoflwz >L ljgf]b k|;fb 9'+u]n dfggLo Gofoflwz >L xl/ axfb'/ a:g]t

af6 ePsf] km};nf

;Djt\ @)%# ;fnsf] b] k'=g+===========================================================^@(.#^$# sf=lh=sf=d=g=kf= j8f g+= ! sflGtky l:yt lb cf]l/o06n OG:of]/]G; sDkgL k'g/fj]bs ln=sf tkm{af6 clwsf/ k|fKt d]g]h/ 8f=le=Pg= df/ujf==================================== k|ltjfbL lj?4

k|ToyL{ sf=lh=sf=d=g=kf= j8f g+= ! xflQ;f/ l:yt a]n'g ;g/fO{h g]kfn k|f=ln=====================

jfbL d'2f M– lg0f{o jb/ af/] .

Gofo k|zf;g P]g,)$* sf] bkmf *-!_ cg';f/ o;} cbfntsf] If]qflwsf/ leqsf] k|:t't d'2fsf] ;+lIfKt tYo / 7x/ o; k|sf/ 5 . ldlt @)%#÷$÷!) sf] laldt a]n'g ;g/fO{h g]kfnsf] Ifltk"lt{ bfjL af/] ljifosf] ph'/L lgj]bg tyf ;+nUg sfuhft . ldlt @)%#÷$÷!$ sf] ;ldltsf] kqaf6 aLds lb cf]l/oG6n OG:of]/]G; sDkgL lnld6]8nfO{ aLdf bfjLsf] Ifltk"lt{sf] s] slt sf/0fn] gul/Psf] xf] ;f] sf] ;fy} pQm aLdfn]v k|lt nufot tt\;DaGwdf eP

u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuhft k]z ug{ lgb{]zg . ldlt !@÷*÷!((^ sf] aLds lb cf]l/oG6n OG:of]/]G; sDkgL lnld6]8sf] lnlvt hjfkm tyf ;+nUg aLdfn]v ;DaGwL d"n kmfO{n . ldlt @)%#÷%÷@# sf] ;ldltsf] Ifltk"lt{ bfjLaf/] ljifosf] kq laldt a]n'g ;g/fO{h g]kfn k|f=ln=nfO{ hfgsf/L k]z ug{ lgb{]zg . ldlt @)%#÷^÷!$ sf] aLldt a]n'g ;g/fO{h gkfnsf] kqdf ;ldltsf] ldlt @)%#÷%÷@# sf] kqåf/f dfu ul/Psf] hfgsf/L k]z ul/Psf] Joxf]/f tyf ;+nUg sfuhft tyf ;ldltsf] ldlt @)%#÷^÷#) sf] kqaf6

aLds lb cf]l/oG6n OG:of]/]G; sDkgL lnld6]8 t];|f] kIf cGtu{t kg{ cfPsf bfjLx?df Excess s§f u/L x'g

cfpg] /sd bfloTj lgwf{/0f lsg gug{] ;f]sf] lnlvt hjfkm k|df0f ;d]t k]z ug{ eGg] ;d]tsf] Joxf]/f . ldlt @(÷!)÷(^ sf] aLds lb cf]l/oG6n OG:of]/]G; sDkgL lnld6]8sf] kqdf ;ldltsf] ldlt @)%#÷^÷#) sf] kqsf] hjfkm tyf ldlt @)%#÷*÷@ ;ldltsf] kqaf6 bfjL e'QmfgL ug{ gkg{] s'g} k|df0f jf tYo eP cfkm\gf] ;kmfO{ k]z ug{' eGg] ;d]t Joxf]/fsf] aLds lb cf]l/oG6n OG:of]/]G; sDkgL lnld6]8nfO{ ;"rgf / ldlt

@%÷!÷!((^ sf] lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8sf] kqåf/f ;ldltsf] ldlt @)%#÷*÷@ sf] kqsf] hjfkm ul/Psf] .

o; k|sf/ ;Dk"0f{ ldl;n ;+nUg sfuhft cWoog ubf{ t];|f] kIf cGtu{tsf oL bfjLx? Admitted Liability xf] xf]Og eGg] d'Vo ljjfb /xL cfPsf] kfOof] . o; ;DaGwdf aLdsn] Admitted Liability xf]Og eGg] ts{ lbb} bfjLx? Valid Claim xf]Og eGg] pNn]v ug{'sf ;fy} a]n'g cjt/0fsf] nflu lglZrt

tf]lsPsf] :yfg gePsf] sf/0f ;fdfGo ?kdf cjt/0f ubf{ ePsf] Ifltsf] bfloTj ltg{' gkg{] ;d]t pNn]v ub}{ aLdf bfjLsf] bfloTj c:jLsf/ u/]sf] ;DaGwdf ldlt !%÷$÷(^ sf] kqaf6 aLdsn] ;e{] u/L xfgL–gf]S;fgLsf] d"NofÍg ug{ gkfPsf] ;d]t Joxf]/f pNn]v u/L Ifltk"lt{ bfloTj c:jLsf/ u/]sf] 5 eg] aLdss} ldlt @%÷^÷!((^ sf] kqdf aLldtåf/f PstkmL{ ?kdf e'QmfgL ul/Psf] Ifltk"lt{ a]n'gsf] b'3{6gfsf] sf/0f gePsf] ;d]t Joxf]/f pNn]v u/L bfjLsf] bfloTj c:jLsf/ ul/Psf] b]lvG5 eg] aLldtsf] egfO{ tkm{ x]bf{ aLdfn]vdf g} ;fdfGotof ?= @),))).– aL; xhf/;Dd aLdsn] t];|f] kIfaf6 kg{ cfPsf] bfjL af/] cflwsfl/s JolQmaf6 k|dfl0ft u/L sfuhft k]z u/]df pQm bfjL aLdsn] lbg]5 egL :jLsf//f]lQmsf] ?kdf aLdsn] :jLsf/ u/]sf] aLdf clen]vdf k|:6 ?kdf pNn]lvt ePsf]n] ;e{]o/ v6fO{ /xg' gkg{] tyf aLdsn] cfkm\gf] P8ld6]8 nfolaln6L ;d]taf6 7f8} a]j:tf u/L ljleGg jfxfgf agfO{ cfkm\gf] lhDd]jf/Laf6 klG5g vf]h]sf] ;d]tsf] Joxf]/fsf ;fy} a]n'gsf] cjt/f0f ug{] sltko lglb{i6 v'nf :yfg /x]sf] df}lvs hfgsf/L lbPsf] aLdsn] lnlvt ?kdf p8fg Pj+ cjt/0f 7fpFsf] gfd dfu gu/]sf]n] df}lvs ?kdf g} hfgsf/L u/fPsf] eGg] ;d]t Joxf]/f 5 eg] aLldtsf] ;f] ldltsf] kqdf tyf @)%#÷$÷!) sf] kqdf Ifltk"lt{sf] /sd oyflz3| lbnfO{ kfpg eGg] ;d]t Joxf]/f /x]sf] b]lvg cfPsf] cj:yfdf aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8af6 hf/L ePsf] aLdfn]v g+=#)(÷lj cf] cfO{÷)÷!!%^ P eL÷!÷(%÷(^ aLldt a]n'g ;g/fO{h g]kfn pNn]lvt aLdfn]vdf

yk ul/Psf] Exces Clause sf] Joj:yf u/L ;f]sf] cy{ nufpg' kg{] b]lvof] . o;y{ pQm bkmftkm{ x]bf{ ;f]

bkmf aLdfn]vdf yk ul/Psf] kfOG5 eg] ;f] bkmfnfO{ cWoog ubf{ pQm bkmf yk u/L aLdsn] yk bfloTj :jLsf/ u/]sf] b]lvG5 . olb pQm bkmf yk gul/Psf] eP aLdssf] egfO{ cg'?k ;e{] ug{ kfpg' kg{]sf ;fy}

sfg"gL bfloTj cGtu{tsf bfjL eGg] s'/fdf s'g} z+sf /xg] lyPg . t/, yk ul/Psf] Reimbersement eGg]

zAb pNn]v ul/Psf] ;d]t b]lvG5 . o;/L ;fgf bfjLx?sf ;DaGwdf ;e{] nufotsf sfo{df nfUg] nfut sd u/L aLldtnfO{ ljz]if ;'ljwf k|bfg ug{ Joj:yf ul/Psf] pQm bkmfn] ;e{] ug{ kfpg' kg{] jf aLldtn] ;dodf g}

;"rgf ug{'kg{] h:tf k|fjwfgnfO{ lj:yflkt u/]sf] x'Fbf Exces Clause df pNn]v ul/P adf]lhd lgsfoaf6

k]z x'g cfP kl5 aLldtnfO{ ;f]xL Clause df ePsf] reimbersed eGg] zAb adf]lhd zf]wegf{ jfktsf]

/sd e'QmfgL ug{'kg{]df a]n'gsf] b'3{6gfdf Iflt gePsf] eGg] ;d]tsf cfwf/df t];|f] kIfsf] bfjL ltg{ c:jLsf/ u/]sf] b]lvG5 . o;/L aLdfn]vdf k|i6 pNn]v ePsf zAbx?sf] cGoyf cy{ nufO{ ;e{] ug{ gkfPsf] tyf a]n'gsf] b'3{6gfsf] sf/0faf6 Iflt gePsf] ;fy} laldtn] ;dodf ;"rgf gu/]sf] elg a]n'gsf] lglZrt cjt/0f

:yn ;d]t gePsf] sf/0f b]vfO{ aLdf bfjLnfO{ Valid Claim xf]Og eGg] cy{ ub{} pQm yk ul/Psf] bkmf yk

bfloTj gePsf] lhls/ lnPsf] b]lvG5 hasL laldtsf] egfO{ cg'?k cjt/0f :yn lglb{i6 v'nf :yfg /xg] hfgsf/L df}lvs ?kdf aLdsnfO{ lbPsf] tyf p8fg tyf cjt/f0f ug{] 7fpFsf] gfd aLdsn] lnlvt ?kdf dfu

gu/]sf] eGg] ;d]t Joxf]/f /x]sf] b]lvg'n] aLdfn]vn] General exclusion cGtu{t kg{] $, % / ( sf]

k|fjwfg cj:yfdf aLdsnfO{ a]n'g cjt/0f :ynsf] af/]df hfgsf/L lyPg eGg ;lsg] cj:yf g/xg'sf ;fy} aLdf bfjL c:jLsf/ ug{ k/]sf sf/0f leGg ldltdf leGg leGg b]lvg' ;ldltaf6 dfu ul/Psf lnlvt hjfkm tyf bfloTj ltg{ gkg{] s'g} tYo jf k|df0f k]z u/L ;kmfO{ lbg n]lvPsf]df ;d]t alnof] k|df0f k]z ug{ gkg{] egL dfq a]n'gåf/f ePsf] Ifltx? s'g} jfWosf/0fn] gePsf] pNn]v ub{} k"j{ kqx?af6 v'n:t kfl/;s]sf] hfgsf/L lbOPsf] 5 hasL ;ldltsf] ldlt @)%#÷*÷@@ sf] kqdf aLdsn] Ifltk"lt{ bfjL e'QmfgL ug{ gkg{] s'g} cfwf/e"t tYo k|df0f k]z ug{ ;s]sf] b]lvPg egL ;f] k]z ug{ eGg] pNn]v 5 .

a]n'gsf] k|of]usf] sf/0faf6 ePsf] t];|f] kIfsf] Ifltk"lt{sf] bfloTj pNn]lvt aLdfn]vdf yk ul/Psf] Excess Clause cg'?k yk bfloTj ePsf] x'Fbf ;f]xL Clause df Joj:yf eP adf]lhdsf lgsfoaf6 k|dfl0ft eO{ k]z

x'g cfPsf t];|f] kIfsf bfjLx? aLdsn] laldtnfO{ ;f]wegf{ ug{'kg{] b]lvg cfPsf]n] aLdf P]g, @)$( sf] bkmf !& tyf ;f]xL P]gsf] bkmf * -3!_ df ePsf] clwsf/ k|of]u u/L aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=nfO{ aLdfn]v g+=#)(÷lj cf] cfO{÷)÷!!%^ P eL÷!÷(%÷(^ laldt a]n'g ;g/fO{h g]kfn -k|f=_ ln=sf] t];|f] kIf bfjLsf] bfloTj aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd k'gM lgwf{/0f u/L bfjL e'QmfgL ug{' egL aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod -@_ adf]lhd cfb]z lbg' eGg] ;d]t Joxf]/fsf] aLdf ;ldtsf] lg0f{o . cjt/0f ug{] :yfgsf] cefjdf klt{ hUufeGbf ;fdfGo cj:yfdf klg clnslt bfFof afFof uO{ cfjflb hUufdf cjt/0f x'gf;fy t];|f] kIfnfO{ Ifltk"lt{ lbg] eGg] cj:yfsf] l;h{gf g} x'g ;Sb}g . ljkIfL a]n'g ;g/fO{h k|f=ln=af6 ul/Psf bfjLx? sfg"g ;Ddtsf bfjLx? gePsf]n] aLdf ;ldltn] k'gM lgwf{/0f u/L bfjL e'QmfgL ug{' egL aLdf lgodfjnL, @)$( sf] lgod ##-@_ adf]lhdsf] cfb]z ab/ u/L kfpF eGg] ;d]t Joxf]/fsf] k'g/fj]bgsf] k'g/fj]bg lhls/ . o;df ;ldltn] lg0f{o gu/L cWoIfaf6 dfq lg0f{o ePsf] aLdf P]g, @)$( cg'?k gePsf] / jf:tljs Iflt k'u]sf] b]lvg] j:t'ut tYosf] cefj ePsf] ;d]t sf/0f aLdf ;ldltsf] cWoIfsf] lg0f{o km/s kg{ ;Sg] b]lvbf c=j+=@)@ g+= adf]lhd 5nkmnsf] nflu emu8Lof lemsfO{ cfPkl5 jf cjlw gf3]kl5 lgodfg';f/ u/L k]z ug{' eGg] o; cbfntsf] cfb]z . o;df aLdf P]g, @)$( sf] bkmf *-@_ / P]gsf] bkmf !& adf]lhd ph'/Ldf ;ldltn] 5fgjLg u/L lg0f{o ug'{kg{] / P]gsf] bkmf $# df ;ldltn] cfkm\gf] clwsf/ k|Tofof]hg ug{ ;Sg] eGg] pNn]v ePsf] x'Fbf aLdf ;ldltsf] cWoIf nj k|;fb zdf{nfO{ ;ldltn] pQm bkmfsf] k|of]hgfy{ clwsf/ k|Tofof]hg u/]sf] 5 5}g < eP ;f]sf] k|ltlnlk ;ldltaf6 lemsfO{ lgod adf]lhd k]z ug{' eGg] o; cbfntsf] ldlt @)%%÷#÷@$ sf] cfb]z .

7x/ lgod adf]lhd b}lgs k]zL ;"rLdf r9L k]z x'g cfPsf] k|:t't d'2fsf] ldl;n cWoog u/L aLdf ;ldltsf] cWoIfn] lg0f{o u/]sf] ldn]sf] 5 5}g < ;f]xL ljifodf lg0f{o lbg' kg{] b]lvg cfof] . o;df lg0f{otkm{ ljrf/ ubf{ k'g/fj]bs lb cf]l/o06n OG:of]/]G; sDkgL ln=sf] tkm{af6 lhls/ lnO{ cfP adf]lhd ljkIfL a]n'g ;g/fO{h k|f=ln=af6 ul/Psf] bfjLx? sfg"g ;Ddt gePaf6 aLdf ;ldltn] k'gM lgwf{/0f u/L bfjL e'QmfgL ug{' egL aLdf lgodfjnL, @)$( sf] lgod ##-@_ adf]lhdsf] cfb]z ab/ u/L kfpF eGg] ;d]tsf] k'g/fj]bg bfjL adf]lhd pQm lg0f{o cfb]z ab/ x'g] gx'g] s] /x]5 ;f] tkm{ ljrf/ ubf{ ;j{k|yd k'g/fj]bsn] bfjL lnO{ cfPsf] pQm lg0f{o aLdf ;ldltsf] cWoIfaf6 ePsf] lghsf] clwsf/ If]qleq /xL lg0f{o ug{ ;Sg] g;Sg] s] /x]5 elg x]bf{ aLdf P]g, @)$( sf] bkmf $# adf]lhd aLdf ;ldltn] pQm P]g adf]lhd

clwsf/ cfjZostf cg';f/ k|Tofof]hg ug{ ;Sg] k|fjwfg cg';f/ g} ldlt @)%!÷!)÷$ sf] a}7s g+=#!( af6 k|Tofof]hg e} /x]sf] ldl;n ;+nUg Joxf]/faf6 b]lvg cfpF5 . ca k'g/fj]bs / ljkIfL aLr ePsf] ;Demf}tf kqdf b'j} kIf aLr pNn]v ePsf] zt{ aGb]hdf Ifltk"lt{ k|fKt ug{] ;d]tdf dGh'/ /xL ;f]xL adf]lhd ug{' u/fpg' kg{] b]lvg cfpF5 . k'g/fj]bs / ljkIfLaLr ePsf] ;Demf}tf x'Fbf g]=?= @),))).– ;Ddsf] bfjLsf] xsdf sfuhft k|fKt u/L ;f]wegf{ ug{] eGg] pNn]v ePsf] b]lvG5 . k|:t't ljjfb /x]sf] Ifltk"lt{sf] xsdf ;DalGwt lhNnf k|zf;g sfof{nosf] /f]xj/df lng' lbg' e} ljkIlfaf6 e'QmfgL ePs} b]lvbf o;/L ;Demf}tfdf n]lvPsf] zt{ k'/f gu/]sf] eGg] b]lvPg . To:t} jf:tljs Ifltsf] d"NofÍg ug{] tkm{ ?=@),))).– ;Ddsf] /sddf e'QmfgL lbg] eGg] ;Demf}tfdf pNn]v ePs} b]lv+bf k'g/fj]bssf] jf:tljs gf]S;fgL gePsf] eGg] sygtkm{ gf]S;fg x'g] t];|f] kIfsf] Ifltk"lt{ a'em]sf] e/kfO{ g} kof{Kt /x]sf] b]lvG5 . o;/L k'g/fj]bsn] ;Demf}tf kqsf] zt{ jGb]h nufO{ :jLsf/ u/]sf] / ljkIfLsf] gf]S;fgLsf] ;Gbe{df Ifltk"lt{ ug{ gkg{] eGg] syg /x]sf] gb]lvPsf] / Ifltk"lt{ jf:tljs IfltjfnfnfO{ e'QmfgL ubf{ k|lqmof;Dd ;Demf}tf adf]lhd gePsf] eGg] lhls/;Dd /x]sf] ;f] klg dgfl;a gb]lvPsf] cj:yfdf aLdf P]g, @)$( sf] clwsf/ k|of]u u/L ljkIfLsf] bfjL k"lt{sf] bfjLsf] k'gM lgwf{/0f u/L bfjL e'QmfgL ug{] u/L ePsf] ldlt @)%#÷*÷!& sf] aLdf ;ldltsf] cWoIfaf6 ePsf] lg0f{o cGoyf /x]sf] eGg] gb]lv+bf pQm lg0f{o cfb]z ab/ u/L kfpF eGg] ;d]tsf] k'g/fj]bs lb cf]l/o06n OG:of]/]G; sDkgL ln=sf] tkm{af6 cfPsf] k'g/fj]bg lhls/ k'Ug ;Sb}g . bfo/L nut s§f u/L ldl;n lgodfg';f/ a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -xl/ axfb'/ a:g]t_ -lagf]b k|;fb 9'+u]n_ Gofolwz Gofolwz Olt ;Djt\ @)%% ;fn df3 !@ ut] /f]h # z'ed\==========

lgj]bssf] gfd aLdssf] gfd l8=P;=sG:6«S;g s+=k|f=ln= >L lk|ldo/ OG:of]/]G; s+=-g]kfn_ ln= k[YjL lgdf{0f ;]jf / ;kgf lgdf{0f ;]jf k|f=ln= lqk'/]Zj/, sf7df8f}+ . dxf/fhu+h, sf7df8f}+, g]kfn .

d'2f M– aLdfsf] bfjL e'QmfgL lbnfO{ kfpF . aLdf P]g, @)$( sf] bkmf -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## adf]lhd o; ;ldltdf

kg{ cfPsf] 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn]v (CAR) cGtu{tsf] k|:t't d'2fsf] ;+lIfKt Joxf]/f o; k|sf/ 5 .

!= ljkIfL aLds lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ lnld6]8n] d lgj]bs;+u u/]sf] aLdfn]v adf]lhdsf] bfloTj 7x/ u/L d}n] bfjL u/]sf] aLdfsf] bfjL e'QmfgL ug{' kg{]df ;f] s]xL gu/L bfloTj lgjf{x gu/]sf]n] ;f¥x} cGofodf k/L aLdf P]g, @)$( ;+zf]wg ;lxtsf] bkmf *-3!_, bkmf !& tyf aLdf lgodfjnL @)$( sf] lgod ## ;d]tsf cfwf/df cfkm\gf] hf] ePsf] ;To ;fFrf] Joxf]/f lgDg k|s/0fx?df v'nfO{ of] lgjj]bg ug{ cfPsf] 5' . ljkIfLsf] bfloTj 7x/ u/L d}n] bfjL u/] cg';f/ aLdf bfjL /sd e'QmfgL ldnfO{ kfpF . ;8s ljefu /f]8 d]lG6g]G; P08 l/xfljln6]zg k|f]h]S6 -lkl/of]l8s d]G6Lg]; k|f]u|fd_ cGtu{t tfg;]g–l/8L ;8s Kofs]h g+= # tfg;]g xfyf{]s v08 )±))) ls=dL=b]lv !)±*%) ls=dL= ;Ddsf] ;8sdf /L u|felnË, d]l;g/L tyf UofjLg, 6]jf kvf{n / gfnL lgdf{0f ug{] sfo{ o; l8=P;= sG:6«S;g sDkgL k|f=ln= k[YjL lgdf{0f ;]jf / ;kgf lgdf{0f ;]jf k|f=ln= s'n]Zj/ sf7df8f}+n] ;+o'Qm ?kdf -HjfOG6 e]Gr/_ ug{] u/L ldlt @)%# ;fn c;f]h @$ -cS6f]j/ !)–!((^_ df ;8s ljefu;+u s"n /sd ?=#,)*,)^,&#%.– cIf?kL ltg s/f]8 cf7 nfv 5 xhf/ ;ft;o k}+lt;df 7]Ssf ;Demf}tf u/L ldlt @)%$÷^÷@# -( cS6f]j/ !((&_ leq sfo{ ;DkGg ug{] zt{df lgdf{0f sfo{ ;~rfng u/L cfPsf]df ldlt @)%$÷^÷!( -% cS6f]j/ !((&_ df 7]Ssf ;Demf}tf cg';f/ ug{'kg{] ;Dk"0f{ lgdf{0f sfo{ ;DkGg eof] . @= pQm 7]Ssf ;Demf}tf cg';f/sf] sfo{ 7]Ssf ;Demf}tf ePsf] ldltn] ! jif{leq ;DkGg u/L sfo{ ;DkGg ePsf ldltn] ! jif{;Dd pQm ;8s dd{t ;Def/ ug{] sfo{ o; HjfOG6 e]Gr/ sDkgLsf] bfloTj eP cg';f/ ldlt @)%$÷^÷!( -% cS6f]j/ !((&_ df ;Dk"0f{ lgdf{0f sfo{ ;DkGg u/L ;f]xL ldltb]lv Ps jif{;Ddsf] ;8s dd{t ;Def/ ug{] qmddf ;8s dd{t ;Def/sf] sfo{ -ub{} cfPsf lyof}+_ ul/b} cfPsf] lyof] . #= pQm ;8s;+u ;DalGwt ;8s ljefu, o; HjfOG6 e]Gr/ sDkgL / ljkIfL lk|ldo/ OG:of]/]G; sDkgL aLr ldlt @)%#÷*÷#) -!%–!@–!((^_ df pQm ;8ssf] aLdf u/fpFbf aLdfsf] s/f/gfdf ;DaGwL clwsf/ tyf bfloTj pNn]lvt lnvt ePsf] lyof] . pQm aLdfn]v cg';f/ aLdf cjlw @)%#÷^÷@$ -!)–!)–!((^_ b]lv ldlt @)%$÷^÷@# -)(–!)–!((&_ ;Ddsf] ;8s lgdf{0f cjlw / To; kl5sf] yk !@ dlxgf dd{t cjlw ;Ddsf] cjlwnfO{ aLdf cjlw sfod ul/Psf] 5 . pQm ;8ssf] aLdf u/fpFbf Earthquake, Valcaniam,

Tsunami, Strom, Cyclone, Flood, Inundation, Landslide sf] sf/0faf6 x'g ;Sg] Ifltsf] nflu aLdf ul/Psf] s'/f pQm aLdfn]vn] :ki6 ub{5 . $= pk/f]Qm k|s/0f g+= ! adf]lhd lgdf{0f sfo{ ;DkGg u/L k|s/0f g+= @ adf]lhd lgj]bsn] ;8s dd{t ;Def/ sfo{ ub{} cfPsf] cj:yfdf @)%% ;fn c;f/ >fj0f -!((* h'nfO{_ dlxgfdf cfPsf] leif0f jiff{bsf] sf/0f klx/f] uO{ pQm ;8s Iflt u|:t ePsf]n] ldlt @)%%÷$÷!( -!$ cui6 !((*_ df ;f]sf] lnlvt hfgsf/L ljkIfL lk|ldo/ OG:of]/]G; sDkgLnfO{ u/fOof] . ;f] hfgsf/L lbOP cg';f/ ljkIfLn] g]kfn Sn]d Ao"/f]

sflGtkynfO{ pQm ;8sdf ePsf] Ifltsf] ;e{] u/L l/kf]6{ k]z ug{ kqfrf/ u/]sf] lyof] . ljkIfL OG:of]/]G; sDkgLsf] tkm{af6 v6fOPsf] ;e{]o/ ;8s ljefusf] k|ltlglw / o; HjfOG6 e]Gr/ sDkgLsf] k|ltlglw ;d]tsf] /f]xj/df pQm Ifltu|:t ;8ssf] ;+o'Qm ?kdf lg/LIf0f Pj+ gfkhfFh u/L cfP cg';f/ pQm ;8sdf Landslide sf sf/0f ePsf] Iflt jfkt o; HjfOG6 e]Gr/ sDkgLn] kfpg' kg{] /sd ?= !),!#,%$(÷)^% e'QmfgL kfpgsf nflu ljkIfL OG:of]/]G; sDkgLnfO{ ldlt @)%%÷%÷!% -#! cui6 !((*_ df kqfrf/ u/L o; HjfOG6 e]Gr/ sDkgLsf] tkm{af6 cg'/f]w ul/Psf] lyof] . %= o:t}df @)%% ;fn >fj0f–efb| -!((* cui6_ dlxgfdf cfPsf] leif0f jiff{bsf] sf/0f pQm aLdf ul/Psf] ;8sdf klx/f] ;d]t uO{ bf];|f] k6s k'gM Ifltu|:t ePsf]n] @)%%÷%÷!@ -cui6 @*–!((*_ df ljkIfL OG:of]/]G; sDkgLnfO{ ;f]sf] lnlvt hfgsf/L u/fO{ @)%%÷%÷#! -!^ ;]K6]Da/ !((*_ df bf];|f] k6s ePsf] Ifltsf] ;Dk"0f{ ljj/0f ;lxt lan ;d]t k]z u/L ljkIfL OG:of]/]G; sDkgL ;dIf aLdf bfjL e'QmfgL kfpgsf nflu o; HjfOG6 e]Gr/ sDkgLsf] tkm{af6 kqfrf/ u/L cfPsf] 5 . ;f] bf];|f] k6ssf] Ifltsf] ;DaGwdf ljkIfL sDkgLn] bfloTj lgwf{/0f u/L hfgsf/L lbPsf] avt lgj]bsnfO{ dsf{ k/]df sfg"g adf]lhd cfkm\gf] xs ;+/If0ffy{ sf/jfxL rnfpg kfpg] xs ;'/lIft /x]sf]n] o;df pNn]v ul//xg' k/]g . ^= ljkIfL sDkgL;+u ePsf] aLdf cjlwleq aLdfn]vdf pNn]lvt sf/0fn] ;8s Ifltu|:t ePsf] x'Fbf pk/f]Qm k|s/0f g+= $ df pNn]v ul/P adf]lhd d}n] ljkIfL sfof{nonfO{ Ifltsf] hfgsf/L lbO{ aLdf /sd bfjL u/L kqfrf/ u/]kl5 ljkIfLn] aLdf lgodfjnL, @)$( sf] lgod #@ adf]lhdsf] k|s[of cjnDag u/L d lgj]bsnfO{ aLdf bfjL /sd e'QmfgL ug{' kg{]df ;f] gu/L ;f] Iflt b}jL k|sf]ksf sf/0fn] ePsf]n] o; HjfOG6 e]Gr/ sDkgL ;f] Ifltu|:t ;8s k"gM lgdf{0f ug{ jfWo gx'g] / ljkIfL OG:of]/]G; sDkgLn] klg pk/f]Qm k|s/0f g+= $ df pNn]lvt klxnf] k6s Iflt ePsf] ;8ssf] -@)%%÷$÷!( cyf{t $ cui6 !((* sf] kqfrf/ hfgsf/L u/fOPsf]_ aLdf bfjL e'QmfgL lbg afWo gx'g] elg ldlt @)%%÷^÷@@ -@@ ;]K6]Da/ !((*_df k=;+=)%%÷%^–)%* sf] kqaf6 ljkIfL OG:of]/]G; sDkgLn] o; HjfOG6 e]Gr/ sDkgLnfO{ hfgsf/L u/fPaf6 ljkIfLn] cfkm\gf] bfloTj k'/f gu/]sf] :ki6 x'G5 . &= t;y{ pk/f]Qm k|s/0fx?df j0f{g ul/P d'tfljs pQm ;8s aLdf ul/Psf] cjlw leq}df Ifltu|:t ePsf] aLdfn]vdf pNn]v ePsf] sf/0f klx/f] (Landslide) af6 g} Iflt ePsf] ;f] Ifltu|:t ;8s dd{t ;+ef/ cjlw, lgdf{0f sfo{ ;DkGg ePkl5sf] !@ dlxgf leq}df Iflt ePsf] sf/0f ;8s ljefu;+u u/]sf] 7]Ssf ;Demf}tf cg'?k lgj]bs HjfOG6 e]Gr/ sDkgLn] k'gM dd{t ;Def/ ug{'kg{] cj:yf ljBdfg e} /x]sf] l:yltdf ljkIfL OG:of]/]G; sDkgLn] aLdfn]v adf]lhd cfkm\gf] bfloTj 7x/ u/L pk/f]Qm k|s/0f g+= $ adf]lhd ?= !),!#,$%(÷)^% aLdfsf] bfjL o; HjfOG6 e]Gr/ sDkgLnfO{ e'QmfgL ug{' kg{]df gu/L bfloTjaf6 klG5g vf]h]sfn] ljkIfL lk|ldo/ OG:of]/]G; sDkgLnfO{ lemsfO{ cfjZos sfg"gL sf/jfxL u/L pk/f]Qmfg';f/ klxnf] k6s Iflt ePsf] ?=!),!#,$%(÷)^% aLdfsf] bfjL ljkIfLaf6 e'QmfgL lbnfO{ kfpF . ;fy} ljkIfLn] d lgj]bs aLldtsf] xs lxt lj?4 bfloTj lgjf{x gug{] u/L lg0f{o u/L df}s}df aLdf bfjL e'QmfgL glbO{ ;8s k"gM lgdf{0f sfo{df afwf k'¥ofO{ gf]S;fg k'¥ofPsf]n] aLdf P]g, @)$( sf] bkmf !& adf]lhd Ifltk"lt{ /sd ;d]t lbnfO{ kfpF eGg] Joxf]/fsf] Iflt ePsf] /sd aLdfn]v g+= Pd=P=÷P;=;L=)!÷$÷#)!#$ adf]lhdsf] lglh{jg aLdfsf] bfjL e'QmfgL lbnfO{ kfpF eGg] ljifosf] ldlt @)%%÷^÷@( sf] lgj]bg kq . pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f] ;d]t v'Ng] u/L tt\;DaGwdf eP u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuhft ;d]t kq k|fKt ldltn] kGw| -!%_ lbgleq ;ldltdf k]z ug{ ljkIfL aLdsnfO{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod -!s_ sf] Joj:yf adf]lhd ;ldltsf] ldlt @)%%÷^÷!) sf] kqaf6 cfb]z . aLldtn] pknAw u/fPsf] kqx?af6 sfo{ ;dfKt eO{ x:tfGt/0f ul/;s]sf] cj:yfnfO{ b[li6ut u/L aLdn]vsf] Period of cover sf] Joj:yf cg';f/ x:tfGt/0fsf sf/0f klx/f]sf] Iflt pk/ aLldt s} aLdfn]vdf Insurable Interest gx'Fbf bfjL lbg gldNg] Joxf]/f vf]nL ldlt @@÷(÷!((* df hfgsf/L

u/fPsf] Maintenance Period df 7]s]bf/ :jo+sf] sf/0fn] Iflt geO{ cGo sf/0f -klx/f]_ n] Iflt ePsf] eGg] bfjL kqaf6 Pj+ ;e{] k|ltj]bgaf6 v'Ng cfPsf] Joxf]/f ;lxt tt\;DaGwL sfuhft ;d]t ;+nUg ljkIfL aLdsn] ldlt @)%%÷&÷@% sf] kq . ;ldltdf d'2f ljrf/flwg /x]sf], aLdf sDkgLn] k'/f ug{'kg{] bfloTj k' ug{ cfn6fn ul//x]sf] cj:yfdf k'gM km]a|'j/L @*, !((( ;Dd ;8s dd{t ;+ef/ cjlw ylkPsf] / pQm cjlw leq Ifltu|:t ;8s dd{t ul/;Sg' kg{] elg !!÷!!÷!((* df kqfrf/ ul/Psf] x'Fbf pQm kq o;} lgj]bg ;fy ;+nUn /fvL lgj]bg u/]sf] 5' . ldl;n ;+nUg /fvL k|df0f nufO{ cljnDa d]/f] k"j{ lgj]bg bfjL d'tfljs aLdfsf] bfjL e"QmfgL lbnfO{ kfpF eGg] Joxf]/fsf] ldlt @)%%÷(÷#) sf] lgj]bs tkm{sf] lgj]bgsf] Joxf]/f . o; k|sf/ ldl;n ;+nUg sfuhftsf] cWoog kZrft lg0f{o tkm{ ljrf/ ubf{ aLdfn]v cjlw !)÷!)÷!((^ ;Dd / yk af¥x dlxgf dd{t ;+ef/ cjlw (Maintenance Period) sfod ePsf] pQm 7]Ssf sfo{ cGt{utsf] sfd ;dfKt ePsf] / & cS6f]a/, !((& df Certificate of Completion ;d]t hf/L ePsf] kfOof] . o;/L lgdf{0f sfo{ ;dfKt eP tfklg yk dd{t ;+ef/ cjlw leq} * h'nfO{ !((* b]lv ( h'nfO{ !((* ;Dd k/]sf] kfgLsf] sf/0f klx/f] uO{ xfgL–gf]S;fgL ePsf] b]lvg cfof] . 7]s]bf/ ;Dk"0f{ hf]lvd aLdf cGtu{t aLdf cjlw ;dfKt eO{ Completion Certificate hf/L e};s]sf] cj:yfdf 7]s]bf/n] dd{t ;+ef/ sfo{ ubf{ ;f] dd{t ;+ef/ u/]sf] sf/0fn] s'g} xfgL–gf]S;fgL ePdf ;f]sf] Ifltk"lt{ k|fKt ug{ aLdfn]vdf dd{t ;+ef/ cjlw pNn]v u/L yk ;dosf] Joj:yf ul/G5 . Completion Certificate hf/L ePkl5 lgdf{0f sfo{ ;dfKt eO{ To;df /xg] aLdfof]Uo lxt (Insurable Interest) ;d]t 7]s]bf/df g/xL dflns (Principle) df /xg hfG5 . dd{t ;+ef/sf] cjlwdf dd{t ;+ef/sf] sf/0f afx]s cGo b}jLk|sf]k (Act of God) sf] sf/0fn] ePsf] xfgL–gf]S;fgL 7]s]bf/ ;Dk"0f{ hf]lvd aLdf jxg gug{] x'gfn] cGo aLdfdf h:tf] Pp6} aLdf cjlw sfod gu/L b'O{ k|sf/sf] ;dofjlw pNn]v ul/Psf] x'G5 . o; Joj:yf cGtu{t dd{t ;+ef/sf] sf/0fn] x'g] Ifltsf] bfloTj;Dd 7]s]bf/sf] /xg] x'Fbf 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn]vdf 7]s]bf/x?n] dd{t ;+ef/ cjlw ;d]tsf] /Iffj/0f u/]sf x'G5g\ .

7x/ o;/L k|:t't bfjLdf sfd ;dfKt e} Completion Certificate ;d]t hf/L e};s]sf] / dd{t ;+ef/ ubf{sf] ;dodf dd{t ;+ef/ sfo{ u/]sf] sf/0fn] geO{ klx/f]sf] sf/0fn] xfgL–gf]S;fgL ePsf]df aLdf l;4fGtdf cGtlg{lxt aLdfof]Uo lxt (Insurable Interest ) 7]s]bf/df g/xFbf / dd{t ;+ef/ cjlwdf b}jL k|sf]ksf] sf/0fn] x'g uPsf] xfgL–gf]S;fgL 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn] /Iffj/0f gug{] x'Fbf of] bfjLsf] bfloTj c:jLsf/ u/]sf] aLdssf] sfo{nfO{ cGoyf eGg ldNg] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pk–bkmf -$_ adf]lhd o; ;ldltdf kg{ cfPsf] lgj]bs w|'j sfsL{sf] ldlt @)%%÷^÷@( sf] lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6gdf k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Djt\ @)%% ;fn kmfNu'0f !* ut] /f]h @ z'ed\===========

lgj]bssf] gfd ljkIfL >L u|'k $ ;]So"l/tf;, afF;af/L, >L o'gfO6]8 OG:of]/]G; s+=-g]kfn_ln= dxf/fhu+h, sf7df8f}+, g]kfn . b/af/dfu{, sf7df8f}+ .

d'2f M– aLdf /sd e'QmfgL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] k|:t't d'2fsf] ;+lIfKt ljj/0f o; k|sf/ 5 . != sDkgLn] xfd|f] uf8{ 8Ø'6Ldf a;]sf] a]nf p;sf] nfkf/jfxLn] ubf{ s'g} lsl;dsf] xfgL–gf]S;fgL eO{ t];|f] kIfaf6 cfpg ;Sg] bfloTj tyf Ifltk"lt{sf] ;f]wegf{sf] nflu ldlt @÷)$÷!((* df o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ lnld6]8af6 ?=@),)),))).– sf] Third Party Liability Policy No÷)! l;=P=cf/ )))&÷(&÷(* lnPsf]df o; sDkgLsf] uf8{ ($ sf >L dgf]h ;'j]bLn] l8o'6Ldf a;]sf] a]nf ldlt @$ h'g !((* sf /ftdf xfd|f] Client Mr. Peter Rhode GTZ a:g' ePsf] 3/df rf]/L ePsf] . o;/L rf]/L ePkl5 ug{' kg{] cfjZos k|lqmofx? k'/f u/L o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ lnld6]8;+u dfly plNnlvt aLdf kf]ln;Lsf] cfwf/df /sd bfjL ubf{ pQm aLdf sDkgLn] ;f] aLdfn]v cGtu{t pQm rf]/L /Iffj/0f (cover) gx'g] x'Fbf bfjL /sd lbg gkg{] elg o; u|'k $ ;]So'/Ltf; g]kfn -k|f=_ln=df kq k|fKt ePsf] 5 . t/ xfdLn] To:tf] rf]/L ;d]t /Iffj/0f ug{] aLdfn]v v/Lb u/]sf]df To;/L rf]/L ePsf] bfjL /sd glb+bf Client nfO{ dsf{ kg{ uPsf] x'Fbf To;/L rf]/L ePsf] /sd ;DalGwt OG:of]/]G; sDkgLaf6 lbnfO{ lbg] Joj:yfsf] nflu cfjZos ;Dk"0f{ sfuhftx?sf] kmf]6f]skL ;+nUg /fvL lgj]bg k]z ul/Psf] 5 eGg] Joxf]/sf] ldlt # cui6 !((* sf] ph'/L lgj]bssf] Joxf]/f . @= pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f] :ki6 x'g] lnlvt hfgsf/Lsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft ;d]t of] kq k|fKt ldltn] kGw| -!%_ lbg leq ;ldltdf k]z ug{' x'g aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ adf]lhd ;ldltsf] ldlt @)%%÷%÷!) sf] kqaf6 aLdsnfO{ lgb{]zg . #= ;f] bfjL ;DaGwdf kf]ln;L g+= )!÷l;=P=cf/÷)))&÷(&–(* cGtu{t t];|f] kIf bfloTjdf b'3{6gfaf6 !_ Bodily injury to or illness of any (Third Party) @_ Loss of or damage to property dfq se/ ePsf] / o;df cGo lsl;dsf] aLdf gePsf] / kf6L{sf] rf]/Lsf] aLDff o; aLdf sDkgLaf6 gePsf] x'Fbf t];|f] kIf aLdfdf gcfpg] ePsf]n] bfjL lbg gldNg] eGg] Joxf]/fsf] ldlt @)%%÷%÷!$ sf] aLdssf] kq . $= ;ldltdf k|fKt u|'k–$ (Group-4) ;]So"l/tf; -k|f=_ln=sf] ldlt # cui6 !((* sf] lgj]bg ;DaGwdf To; sDkgLaf6 hf/L ul/Psf t];|f] kIf bfloTj aLdfn]v g+=)!÷l;=P=cf/=)))@÷(&–(* tyf )!÷l;=P=cf/=)))&÷(&–(* cGtu{tsf] bfjL u/L cfjZos sf/jfxL eO{ To; sDkgLaf6 k|fKt k=;+= !^@÷(*÷(( ldlt @)%%÷%÷!$sf] kq;d]tsf] cWoog kZrft pQm aLdfn]v g+=)!÷l;=P=cf/=)))@÷(&–(* / g+=)!÷l;=P=cf/=)))&÷(&–(* sf] aLdf bfjLsf] Ifltk"lt{ e"QmfgL ug{ gkg{] ;DaGwdf cGo sfuh k|df0f ljj/0f eP ;f] ;d]t kq k|fKt ldltn] !% -kGw|_ lbg leq ;ldltdf k]z ug{' x'g aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLDff lgodfjnL, @)$( sf] lgod ## sf pklgod -v_ sf] Joj:yf adf]lhd aLdsnfO{ ;"lrt ul/Psf] ;ldltsf] ldlt @)%%÷^÷@& sf] kqsf] Joxf]/f . %= aLdf bfjLsf] Ifltk"lt{ e'QmfgL ug{ gkg{] ;DaGwdf lgDg adf]lhdsf aLdfn]v hf/L ul/Psf] cfwf/ / To;df v'n:t n]lvPsf] lgod / aLdfsf] ;}4flGts cfwf/df of] bfjL e"QmfgL ug{' gkg{] s'/f :jtM b]lvg cfpF5 . !_ g]kfndf t];|f] kIf bfloTjsf] hf]lvd aLDffdf tLg k|sf/sf ;]jfdf aLdfn]v hf/L ul/g] ul/Psf] 5 . s_ uf8L tyf ;jf/L ;fwgx?df v_ 7]s]bf/ hf]lvddf ul/g] t];|f] kIf bfloTj u_ cGo kmd{ tyf ;+:yfx?df -a}lsË_ If]q tyf ;f]xL Joj;fodf ;+nUg ;]jfx?df

s_ df]6/ aLdf ;DaGwdf aLdfn]vsf] kl/R5]b @ df pNn]v eP adf]lhd t];|f] kIfsf] sfg"gL bfolTj x'g]5 . o; aLdfn]vsf] ljz]iftfdf o;sf] d'Vo bfloTj b'3{6gfsf] sf/0faf6 / sfg"gL bfloTj x'g]5 . To:t} v_ 7]s]bf/ hf]lvddf ul/g] t];|f] kIf bfloTjdf h; cGtu{t aLdfn]v -u|'k$ sf]_ hf/L ul/Psf] lyof] . sDkgLn] aLdfn]vdf pw[t ul/Psf] /sddf pNn]lvt cj:yfdf sfg"gL bfloTj aLldtdf kg{ cfPdf bfjL stf{sf] Ifltk"lt{sf] ?kdf k|bfg ug{ ;lsg] 5 . c_ t];|f] kIfsf] b'3{6gfaf6 zf/Ll/s rf]6k6s nfu]df . cf_ t];|f] kIfsf] ;DklQ jf cdfgt b'3{6gfaf6 Iflt xfgL–gf]S;fgL ePdf .

t];|f] kIfdf kg{ gcfpg] M b'3{6gfaf6 Iflt, xfgL–gf]S;fgL ePsf ;DklQ aLldtsf] :jfldTjdf jf /]vb]vdf jf cdfgtdf jf sAhfdf jf lgoGq0fdf /x]sf] ;DklQ afx]sdf dfq t];|f] kIf sfg"gL bfloTj jxg x'g hfg] . pk/f]Qm aLdfn]vsf] a'Fbfx?af6 of] x'g cfPsf] bfjL t];|f] kIf leq kg{ gcfpg] / cGo lgod adf]lhd klg aLldt sfg"gL ?kn] bfloTj ltg{ kg{] cj:yfdf g/x]sf] k|i6 b]lvG5 . of] ;DaGwsf] c+u|]hL aLdfn]v k|ltlnlk o;} ;fy ;+nUg ul/Psf] 5 . u_ cGo kmd{ tyf ;+:yfx?df 5'§} aLdfn]v ;dfj]z ul/P tfklg ;f]xL cg';f/sf] t];|f] kIfLo bfloTj sfod g} /xg] 5 / ;f] sfg"gL bfloTj klg pNn]lvt @ j6f hf]lvd dfq ;df]j]z ul/Psf] 5 . c_ b'3{6gfaf6 zf/Ll/s rf]6k6s jf 3fOt] jf aLdf/L ePdf cf_ b'3{6gfaf6 ;DklQx?sf] xfgL–gf]S;fgL jf Iflt x'g uPdf o; kl/efiffx? 3fOt] x'g' / gf]S;fgLsf] kl/efiff ;d]tdf ;f] kl/efiff cGtu{t xfgL–gf]S;fgLsf] cy{ jf:tljs xfgL–gf]S;fgL cyjf Tangible Property sf] Iflt ePsf] dfqnfO{ hgfpFb5 . @= t];|f] kIfsf] sfg"gL bfloTjsf] l;4fGt cg';f/ of] ;DalGwt bfjL t];|f] kIf leq klg kg{ gcfPsf] / b'3{6gfsf] sf/0faf6 pNn]lvt cj:yfdf sfg"gL bfloTj ;d]t kg{ gcfPsf] / o:tf]nfO{ t];|f] kIf dfg]/ bfloTj lbg xf] eg] xfn o; u|'k $ ;]So"l/tf;n] ;'/Iffsf] nflu ub{} cfPsf ;]jf leq rf]/L, 8}s}tL tyf gsjhgL, JolQmut lxgfldgf j]OdfgLsf] sf/0faf6 x'g uPsf] Iflt aLdfn]vaf6 jxg u/]sf] 7xg{] xf] eg] w]/}h;f] a}+sx?df tyf clkm; sfof{nox?df ;]jf ub{} cfPsf x'Fbf To:tf a+}s tyf clkm; sfof{no oxfFx?n] cfunfuL, rf]/L, tyf Bankers Blanket Policy jf sfd{rf/L tyf JolQmsf] b'3{6gf tyf a]OdfgLaf6 x'g] xflg–gf]S;fgLsf] 5'§} aLdf u/L /xg gkg{] b]lvG5 . k;n / Hj]n/L k;ndf ;f] sDkgLn] t];|f] kIfsf] aLdf ub{}df ToxfF rf]/L x'g hfFbf ;f] t];|f] kIf aLdfn]vn] rf]/Lsf] hf]lvd jxg u/]sf] 7xb{}g . t];|f] kIf aLdfn]v sfg"gL bfloTj dfq ePsf] x'Fbf ;DalGwt sfg"gL lgsfoaf6 P]g lgod adf]lhdsf] Dofb leq bfjL u/L sfg"gL bfloTj k|dfl0ft ePkl5 dfq aLdfn]v leq kg{ cfpF5, cfpFb}g eGg] tkm{ kl5 dfq ljrf/ x'Fbf ;f] lbg gkg{] 7x/ eP kl5 dfq aLdfn]v lng]n] ph'/L;Dd ug{ ;Sg] x'Fbf o; ljifodf t]>f] kIf sfg"gL bfloTj ;d]t k|dfl0ft geO{ ;s]sf] cj:yf /x]sf] s'/f ;d]t Wofgfsif{0f u/fpFb5f}+ . t/ aLdfsf] l;4fGt cg';f/ To:tf aLdfn]vx? cfkm}+n] h?/t cg';f/ cnUu} ;DklQsf] ljj/0f v'nfO{ rf]/Lx?sf] lj?4sf] aLdf u/fPsf]df ;f]sf] sf/0faf6 x'g uPsf] gf]S;fgLsf] dfq bfjL x'g ;Sg] cj:yf /x]sf] s'/f ;d]t hfgsf/L u/fpFb5f}+ / ;f] ;DklQsf] ljj/0f / sxfF sxfF, /x]sf 5g\ eGg] ;d]t gv'n]sf] / dfl;s ?kdf ljj/0fx? k7fpg' kg{]df ;f] ;d]t gu/]sf]df ;f] 7fpFsf] aLdf jxg u/]sf] b]lvb}g . pk/f]Qm n]lvPsf a'Fbfx?af6 ;f] bfjL kg{ gcfpg] s'/f / ;f] Ifltsf] bfjL e'QmfgL ug{ gkg{] s'/f eGg] Joxf]/fsf] aLdssf] ldlt @)%%÷%÷@& sf] kq . o; k|sf/ kmfOn ;+nUg sfuhftsf] cWoogaf6 aLds o'gfO{6]8 OG:of]/]G; s+=-g]kfn_ ln=åf/f hf/L ul/Psf] aLdfn]v g+=)!÷l;=P=cf/=)))&÷(&–(* cGtu{t @$ h'g !((* sf] /ftdf rf]/L ePsf]df s'g} ljjfb /x]sf]

kfOPg . aLldtåf/f ;f] rf]/Lsf] sf/0f ePsf] xfgL–gf]S;fgLsf] Ifltk"lt{sf] bfloTj Joxf]g{' gkg{] hgfO{ OGsf/ u/]sf] cj:yf kfOof] . aLDff ubf{ aLldltåf/f cfkm\gf u|fxs (Clients) sf lhpwg ;'/Iff ug{ cfkm"n] v6fPsf] ;'/IffsdL{ (Guard) sf] nfk/jfxL (negligence) n] s'g} xfgL–gf]S;fgL ePdf ;f] ;d]t ;dflji6 x'g] u/L aLdsn] 7]s]bf/ ;Dk"0f{ hf]lvd aLdf (CAR) cGtu{tsf aLdfn]v hf/L u/]sf] kfOof] . of] aLdf ;'/Iffsf] k|s[ltnfO{ b[li6ut ubf{ aLdsn] hf/L ug{'kg{] vf; lsl;dsf] aLdfn]v hf/L gu/] tfklg 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn]v cGtu{t bfloTj jxg ug{] u/L aLdf hf]lvd :jLsf/ u/]sf] / ;f]xL aLdfn]vsf] ckjfb k|of]u u/L aLdf bfjL c:jLsf/ u/]sf] cj:yf b]lvof] .

7x/ o;/L k|:t't ljjfbdf lg0f{otkm{ ljrf/ ubf{ k|ydtM aLdsåf/f hf/L ul/Psf aLdfn]v cGtu{t ;'/IffsdL{ (Guard) sf] nfk/jfxL (negligence) n] ePsf] xfgL–gf]S;fgLsf] Ifltk"lt{ aLdsn] a'emfpg' kg{] b]lvG5 eg] csf{]tkm{ aLdfn]vn] k|i6 ?kdf gub (cash) sf] /Iffj/0f ul/g] 5}g egL pNn]v gu/]sf cj:yf b]lvbf ;DklQ (property) zAbn] gub tyf cGo ;fdu|L ;d]tsf] /Iffj/0f u/]sf] dfGg' kg{] x'G5 . aLdf ug{'sf] d'Vo p2]Zo ;DklQ ;d]tsf] ;'/Iff ug{' /x]sf] / hf/L ul/Psf] aLdfn]v k"0f{t sfg"gL bfloTj ;dflji6 aLdfn]v ePsf]n] of] bfjLsf] bfloTj aLdsn] :jLsf/ ug{' kg{] b]lvG5 . o;}u/L ljifoj:t';+u c;DalGwt j[xt If]q ;dfj]z ug{] vfnsf] aLdfn]v hf/L u/L bfjL k/]kl5 Ifltk"lt{ e'QmfgL ug{' kg{] cj:yfdf pQm aLdfn]vs} cfwf/df aLdf bfjL c:jLsf/ u/] tkm{ ljrf/ ubf{ hf]lvdsf] k|s[lt cg'?k /Iffj/0f ug{sf nflu hf/L ug{' kg{] aLdfn]v hf/L gu/L cGo k|s[ltsf aLdfn]v hf/L u/L xfgL–gf]S;fgL ePdf ;f] sf] Ifltk"lt{ kfpg] clwsf/ aLldt;+u /xg] cj:yf aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -!_ aLds, aLdssf] sd{rf/L, aLdf clestf{ jf aLdf ;e{]o/n] aLdfn]v lng]x?sf] xslxt lj?4 s'g} sfd u/L gf]S;fg k'¥ofPdf To;sf] Ifltk"lt{ aLdsn] a'emfpg' kg{]5 eGg] Joj:yfn] k|i6 ub{5 . o;/L aLdfn]v hf/L ul/;s]kl5 aLdsn] aLdfn]v lng]x?sf] xs lxt lj?4 sfd u/]sf] b]lvg cfPsf] / of] bfjLsf] bfloTj aLdsn] :jLsf/ ug{' kg{] b]lvPsf]n] aLdsåf/f of] bfjL c:jLsf/ u/]sf]nfO{ dfGotf lbg ldNg] cj:yf /x]g . o;y{, aLdfn]v g+=)!÷l;=P=cf/=)))&÷(&–(* cGtu{t @$ h'g !((* sf] /ftdf rf]/L ePsf] of] bfjL :jLsf/L aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd bfloTj lgwf{/0f u/L lgj]bs aLldt u|'k–$ (Group-4) ;]So"l/tf; g]kfn -k|f=_ ln=nfO{ Ifltk"lt{ e'QmfgL ug{ aLdf P]g, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd aLds o"gfO6]8 OG:of]/]G; s+= -g]kfn_ ln=nfO{ cfb]z ul/G5 . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t kIfx?nfO{ hfgsf/L u/fOG5 . Olt ;Djt\ @)%% ;fn kmfNu'0f @# /f]h –! z'ed\==============

lgj]bssf] gfd ljkIfL >L cGgk"0f{ 6]S;6fon ln= >L lb cf]l/o06n OG:of]/]G; s+=lnld6]8 k|wfg sfo{no ^÷#! Go"/f]8, sf7df8f}+ . sflGtky, sf7df8f}+ .

d'2f M– aLdf /sd lbnfO{ kfpF . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## adf]lhd o; ;ldltdf kg{ cfPsf] aLdf /sd lbnfO{ kfpF ljifosf] k|:t't d'2fsf] ;+lIfKt Joxf]j/f o; k|sf/ /x]sf] 5 . != lgj]bs o; sDkgLsf] Anf+s]6 ldlt @)%$÷@÷@^ ut] cyf{t * d] !((& df pQm Anf+s]6df Kjfn k/]sf] lyof] ;f] Kjfn bf];|f] l;km\6 ;+rfng ;doleq Kjfn kfl/lbPsf] b]lvg cfPsf] x'Fbf ;f] sf] hfgsf/L o; sDkgLn] ;dodf g} lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8 gfds aLdf sDkgLnfO{ lbPsf] / Ifltu|:t l:yltsf] ljj/0f Pj+ kmf]6f] ;d]t k]z u/L cfjZos sfo{ ;d]t eO;s]sf]df xfn;Dd lgj]bsnfO{ aLdf /sd k|fKt gePsf] / clxn] cfP/ clt lgDg k|fKt x'g] eGg] hfgsf/L yfxf x'g cfPsf] x'Fbf of] lgj]bg ug{ cfPsf] 5' . k|ydtM of] lgj]bg ub{5' ls Anf+s]6sf] ;DaGwdf sDkgLn] cfGtl/s 5fgaLg ubf{ bf];|f] l;km\6 ;+rfng ;doleq pQm Anf+s]6df Kjfn kfl/Psf] b]lvg cfPsf] x'Fbf / 36gf k|s[lt cg';f/ ;f] sfo{ hfgL–hfgL ablgotk"j{s bf]ifk"0f{ sfo{n] ubf{ gf]S;fgL ePsf] xf] eGg] :ki6 g}} b]lvG5, t/ s;n] To:tf] sfo{ u¥of] ;f] eg] sDkgLnfO{ yfxf x'g ;s]g . o;/L Anf+s]6 RofltPsf] va/ kfPkl5 ;DalGwt aLdf sDkgLnfO{ va/ u/L pQm Anf+s]6 dd{t ug{ ef/t cxdbfafb l:yt u'h/ft ef]NsgfOlh+u jS;{ sDkgLaf6 t'?Gt} k|fljlwsx? lemsfO{ dd{t ;d]t u/fO{ k'gM d]l;g ;+rfngdf NofPsf] lyof] / o;/L RofltPsf] Anf+s]6 k'gM k|of]udf NofpFbf :t/Lo lk|l6+u ug{ g;Sg] eGg] pQm dd{t ug{] sDkgLsf] egfO{sf ;fy d]lzg lgdf{tf sDkgL ;d]tsf] Anf+s]6 km]g{' kg{] eGg] ;'emfjsf] cfwf/df Anf+s]6sf] dfq sf]6]zg dufpFbf Pkm=cf]=lj= d"No :jL; k|mf+s #@,*%).– ePsf] elg km\ofS; dfkm{t hfgsf/L kfO ;f] ;dodf pQm k|mf+ssf] ljlgod b/ g]= ?= @),$),*#*.– -aL; nfv rfln; xhf/ cf7;o c8tL;_ kg{] eGg] hfgsf/L eof] . o;/L ?=@),$),*#*.– -aL; nfv rfln; xhf/ cf7;o c8tL;_ gf]S;fgL ePsf] :ki6 g} b]lv+bf b]lvb} klg aLdf bfjL kmf/fddf lgj]bs sDkgLn] pTkfbg gf]S;fgL 36fO ;f] ;fdfg cfoft ubf{ nfUg] jf:tljs vr{ ?= !^,@*,%#*.– -;f]¥x nfv c¶fO; xhf/ kfFr ;o c8tL;_ dfu ul/Psf] ;f] aLdf sDkgLaf6 hDdf aLdf /sd ?= #,(),*%).– -tLg nfv gAa] xhf/ cf7;o krf;_ lbg] / ;f] sf] nflu ;d]t gofF Anf+s]6 cfoft ;DaGwL ;Ssn OGEjfO; ;fy} k'/fgf] Anf+s]6 ;d]t a'emfPdf lbg] elg lg0f{o u/L ;f] lg0f{o o; lgj]bs sDkgLnfO{ dfGo gx'g] elg # clk|n !((* df aLdf sDkgLnfO{ g} hfgsf/L u/fOof] . o;/L pQm aLdf sDkgLn] d lgj]bs sDkgLnfO{ z'?b]lv g} ablgot /fv]sf] :ki6 g} b]lvg cfpF5, ;fy} aLdf sDkgLn] lgo'Qm ul/Psf] ;e{]o/ Pd s'df/ ;d]tsf] lgot z'?b]lv g} ablgotk"j{s ePsf] s'/f o;} lgj]bg ;fy k]z ul/Psf] k|df0f sfuhftx?af6 ;d]t :ki6 g} b]lvG5 . aLdf P]g cg';f/ lgDg ;e{]o/nfO{ o; ;ldltdf pkl:yt u/fO{ aofg ;d]t lnO{ sf/jfxL ;d]t ug{' kg{] :ki6 g} b]lvG5 . lsgls ;e{]o/ ;e{] l/kf]6{ 36gfsf] jf:tljstfnfO{ x]/]/ agfpg' kg{] x'G5, t/ o; sDkgL pk/ ;e{]o/n] z'?b]lv g} ablgot /fv]sf x'g\ eGg] s'/f t ;e{]o/sf] l/kf]6{sf] lj:t[t cWoogaf6 ;d]t :ki6 g} x'G5, To:t} u/L k|x/L sfof{nodf lgh ;e{]o/n] lbPsf] ldlt @)%$÷@÷! sf] lgj]bgaf6 ;d]t :ki6 g} b]lvG5 . csf{] s'/f ablgotk"j{s ;e{]o/n] l/kf]6{ tof/ u/L ;f]xL l/kf]6{sf] cfwf/df aLdf sDkgLn] u/]sf] lg0f{o xr'jfsf] e/df u/]sf] xf] lsgls aLdf sDkgLn] b]vfPsf] z'? s§L s} cfwf/df s§L u/]sf] xf] . ;f] :ki6 lbPsf] 5}g ;fy} aLdfn]vsf] s'g bkmfsf] cfwf/af6 pQm ¥xf; s§L

ul/Psf] xf] ;f] ;d]t v'nfpg ;s]sf] 5}g . pko{'Qm sf/0f Pj+ cfwf/af6 aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## adf]lhd of] lgj]bg k]z u/]sf] 5' . cj aLdf P]g cg';f/ pQm ;e{]o/nfO{ plrt sf/jfxL ;d]t ug{ o;} lgj]bg ;fy cg'/f]w ub{5' / lgj]bs sDkgLsf] jf:tljs gf]S;fgL adf]lhd aLdf /sd lbnfO{ kfpF elg of] lgj]bg k]z ub{5' elg n]lvPsf] Joxf]/f 7Ls ;fFrf] 5, em'¶f 7x/] sfg"g adf]lhd ;xF'nf a'emfpFnf eGg] Joxf]/fsf] ldlt @)%%÷@÷@^ sf] lgj]bg . @= ;f] aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] sf/0f v'nfO{ lnlvt hjfkm ;d]t k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%%÷#÷!& sf] kqaf6 lgb{]zg . #= xfdLn] cGgk"0f{ 6]S;6fOnsf] d]lzg/Lsf ;fy–;fy} Pp6} a|';/ lk|lG6Ë d]lzg, clUg, r6ØfË, e'sDksf] em6\sf, x'nb+ufaf6 x'g] Iflt, å]ifk"0f{ sfo{af6 x'g] Iflt OToflbsf] hf]lvd lj?4 ldlt *÷&÷(^ b]lv ldlt *÷&÷(& ;Ddsf] aLdf u/]sf] xf] . ldlt *÷%÷(& sf lbg pQm a|';/ lk|lG6Ë d]lzg s;}åf/f hfgLhfgL Iflt ul/Psf] eGg] hfgsf/L aLldtåf/f xfdLnfO{ k|fKt eof] / xfdLn] ;j{]If0f / Ifltsf] d"NofÍg ug{sf nflu ;e{]o/ v6fof}+ . ;e{] ug{] qmddf pQm Ifltu|:t a|';/ d]lzgsf] Anf+s]6 ( 7fpFdf sfl6Psf] kfOof] ;fy} sf]xL aflx/L JolQmåf/f hfgLhfgL ?kdf g} o;sf] Iflt ul/Psf] xf] eGg] k|dfl0ft ug{ klg uf¥xf] b]lvof] 5fgljgsf] bf}/fg aLldtn] pQm Ifltsf] nflu cfkm\gf b'O{ sd{rf/Lsf] nfk/jfxL ePsf] 7x/ u/]sf] kfOof] . -s[kof ldlt @)%$÷@÷@# df >L b]jfgGb dxtf] / >L ;Ltf/fd k|;fb sf]O/fnfnfO{ ;Daf]wg ul/Psf] kq x]g'{xf];\_ d]lzg ;+rfngdf aLldtsf] cfkm\g} sd{rf/Lsf] nfk/jfxLsf] sf/0fn] x'g] Iflt o; clUg aLdfn]v cGtu{t hf]lvd jxg

gx'g] . ;e{]o/n] pQm Iflt ;fwf/0f wear and tear tyf nuftf/ k|of]usf] sf/0faf6 d]lzg k'/fgf] ePsf]

sf/0fn] x'g ;Sg] ;Defjgf JoQm u/]sf] . cem}+;Dd å]ifk"0f{ sfo{ elg k|x/Låf/f k|dfl0ft klg ePsf] 5}g . ;Dk"0f{ s'/f lgofNbf pQm Iflt d]lzg/L a|]s 8fpgaf6 ePsf] b]lvG5 . h'g clUg aLdfsf] If]q eGbf aflx/sf] s'/f xf] . xfdL;+u aLldtsf] sf/vfgfsf] ldlt @)÷%÷(& sf] kq -Pg]S;–@_ pknAw 5 h;df sf/vfgf Joj:yfksn] sDkgLsf] cWoIfnfO{ pQm Iflt Ps d]lzg a|]s 8fpg Iflt elg pNn]v ul/Psf] 5 . pknAw sfuhftåf/f lj/f]wfef;k"0f{ b]lvPsf] cj:yfdf klg xfdLn] Pp6f ljz]if ljifo ;DemL z+sfsf] nfe aLldtnfO{ lb+b} ;e{]o/sf] d"NofÍgsf] cfwf/df lgDgfg';f/ bfjL km5Øf}{+6 cfu|x u¥of}+ . Anf+s]6 k|lt:yfkg d"No g]=?= !#,)@,*#!.– /j/sf] j:t' x'Fbf ¥xf;s§f %) Ü g]=?= ^,%!,$!%.– hDdf g]=?= ^,%!,$!%.– s§f $) Ü (Under insurance) g]=?= @,^),%^^.– k|lt:yfkgsf] cfwf/df s"n e'QmfgL of]Uo /sd g]=?=#,(),*%).– Under Insurance ;Gbe{df ldlt @!÷!@÷(& sf] kqåf/f aLldtnfO{ v/Lb ljhs /l;b ;fy;fy} cGo cfjZos sfuhft h:t} pQm d]lzgsf] Iflt ldltsf] n]G8]8 k|fO; lkmu/ (Landed Price Figure) dfq ul/Psf] . ;e{]o/n] pQm sfuhftx? l8;]Da/ (& leq gkfPsf] x'Fbf :yfgLo ;f]wk'5sf] cfwf/df %) k|ltzt cG8/ OG:of]/]G; hf]lvd d"No lgwf{/0f ug{ afWo ePsf] s'/f klg pNn]v u/]sf 5g\ . o; kqsf] hjfkmdf aLldtåf/f ;e{]o/nfO{

pTkfbsn] pQm Iflt eP adf]lhdsf] a'|;/ lk|lG6Í d]lzg cGo gag]sf] / ;e{]o/nfO{ :yfgLo ;f]wk'5sf] cfwf/df k|ltj]bg tof/ ug{ cg'/f]w ul/of] . ;f]xL cg'?k g} ;e{]o/åf/f $) k|ltzt cG8/ OG:of]/]G; /sd lgwf{/0f ul/of] h'g xfdL klg ;xL 7fG5f}+ . cufl8 g} o; d"NofÍgdf $) k|ltzt cG8/ OG:of]/]G; ePsf] ;fy} d]lzgsf] k|lt:yfkg d"Nodf oftfoft vr{, lSnol/Ë / eG;f/ vr{ cflb hf]8]/ x'g cfpg] /sddf cG8/ OG:of]/]G; nufpg' kg{] x'G5, t/ xfdLn] pQm cltl/Qm vr{x? hf]8]sf] 5}gf} . oBkL bfjL km6Øf}{6 k|lt:yfkgsf] cfwf/df ePsf] x'gfn] xfdLn] aLldt ;dIf Ifltu|:t Anf+s]6 xfdLnfO{ k7fpg cg'/f]w uof{} t/ aLldtn] xfd|f] dfunfO{ c:jLsf/ u¥of] o;af6 ;xL ?kdf s] yfx x'g cfpF5 eg] aLldtn] Ifltu|:t Anf+s]6sf] ;§f gofF Anf+s]6 k|lt:yfkg u/]sf] 5}g . h'g s'/fsf] k|dfl0ft ;e{]o/åf/f ldlt !#÷%÷(* sf lbg u/]sf crfgs e|d0faf6 klg eO;s]sf] 5 . pQm ;dodf Ifltu|:t Anf+s]6nfO{ g} dd{t ;Def/ u/L rnfO{ /x]sf] kfOPsf] lyof] . km\ofS6«L /]s8{af6 klg of] b]lvg cfpF5 ls pQm Anf+s]6 ldlt !#÷%÷(& sf lbgsf] s/La ! ah] b]lv g} rfn' ePsf] xf] . pk/f]Qm Joxf]/faf6 of] k|dfl0ft x'g cfpF5 ls aLldtsf] bfjL Psbd c;fGble{s 5 ls aLldtåf/f d]lzgsf] dd{t dfq ul/Pg aNsL dd{t kl5 k|of]u klg ul/;s]sf] 5 . kl5Nnf] ! jif{b]lv d]lzg k"0f{?kdf rln/x]sf] o; kl/l:yltdf ;e{]o/n] u/]sf] dd{t cfwf/sf] d"NofÍg cg';f/ xfdL dd{t cfwf/df g} bfjL km5Øf}{6 ug{ ;S5f}+ . oxfFn] dfu u/] adf]lhd ;Dk"0f{ cfjZos sfuhftx? o;};fy ;+nUg ul/Psf 5g\ elg ldlt @)%%÷#÷@) sf] aLdssf] kqsf] Joxf]/f . $= lgj]bs cGgk"0f{ 6]S;6fon ln=sf] ldlt @)%$÷@÷@^ -* d] !((& _ sf lbg ePsf] a|';/ lk|lG6Ësf] gf]S;fgL ;DaGwdf To; sDkgLn] /a/sf] j:t' ePsf] x'Fbf %) k|ltzt ¥xf;s§L u/]sf] af/] aLdfn]vsf] s] s'g zt{ tyf ;'ljwf cGtu{t pQm ¥xf;s§L ul/Psf] xf] ;f] :ki6 kfg{'sf ;fy} pQm aLdf bfjLsf] Ifltk"lt{ e'QmfgL lgj]bssf] dfu adf]lhd lsg ug{' gkg{] xf] < ;f] ;DaGwdf cGo ljj/0f tyf sfuhft eP ;f] ;d]t ;ldltdf k]z ug{ aLdf P]g, @))$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd ;ldltsf] ldlt @)%%÷$÷!# sf] kqaf6 aLdsnfO{ lgb{]zg . %= pQm a|';/ lk|lG6Ë d]lzg ;g\ !((& b]lv cfPsf] / b'3{6gf ldlt )*÷)%÷!((& ;Dd nuftf/ bz jif{;Dd k|of]u eO{ g} /x]sf] . bz jif{b]lv nuftf/ k|of]udf /x]sf] To; k|sf/sf] ;+j]bglzn d]lzgdf pko'Qm ¥xf; s§f %) k|ltzt eGbf a9L x'g'kb{5 . t}klg ;e{]o/åf/f %) k|ltzt dfq ¥xf; s§f nfu" ul/Psf] . Pp6f :jtGq d"NofÍgstf{sf] ?kdf s'g} klg ;e{]o/n] blanket ag]sf] ldlt / To;sf] cj:yfsf] k|ToIf lg/LIf0f u/L pko'Qm

¥xf;s§f lgwf{/0f ug{ ;S5 . nfdf] ;dob]lv k|of]udf /xL cfPsf] pQm Anf+s]6 k|fljlws ?kdf k"0f{ Iflt e'QmfgL x'g] cj:yfdf lyPg . aLldt :jo+n] sfdbf/sf] nfk/afxLåf/f a|]s 8fpg Iflt ePsf] :jLsf/ u/]sf] h'g s'/f s'g} klg clUg aLdfn]vsf] bfo/fleq gkg{] x'Fbf ;f] Ifltsf] k|s[ltdf klg dtfGt/ /x]sf] . tL ;a} q'6Lsf afah'b klg xfdLn] Pp6f dxTjk"0f{ bfjL dfgL aLldtnfO{ ;f}xfb{| ?kdf ?=#,(),*%).– :jLsfg{ cfu|x u/]sf]df

aLldtåf/f c:jLs[t ePsf] x'Fbf ca pQm Iflt k|fljlws ?kdf dd{t Ifltsf] cfwf/ -Repairing loss basis_ df km6Øf}{6 ul/g]5 . aLdfn]vsf] cfwf/e"t zt{ pNn+3g u/L cGofof]lrt ?kdf k};f gi6 x'gaf6 hf]ufpg Ps aLdssf] ?kdf xfdL ;Ddflgt ;ldltk|lt ljgd| cg'/f]w ub{5f}+ . o; ;Gbe{df ToxfFsf] dxTjk"0f{ ;'emfjsf] k|ltIffdf 5f}+ eGg] ldlt %÷*÷!((* sf] aLdssf] kqsf] Joxf]/f .

^= ;ldltdf k|fKt ToxfFsf] ldlt @)%%÷@÷@^ sf] ph'/L lgj]bg pk/ cfjZos sf/jfxL eO{ aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=sf] ldlt @)%%÷#÷@( tyf ldlt %÷*÷!((* sf] kq tyf ;+nUg sfuhft ;d]tsf] cWoogaf6 a|';/ lk|lG6Ë d]lzg O=;+= !(*& ;fndf :yfkgf u/]sf] eGg] b]lvg cfPsf]n] pQm d]lzgsf] Ifltu|:t Anf+s]6 ;f]xL ;dob]lv rfn' /x]sf] xf] jf km]l/Psf] eP ;f] km]l/Psf] ldlt / k'li6 ug{] cflwsfl/s

sfuh kq -Invoice ;d]t_ ;ldltdf k]z ug{ ldlt @)%%÷%÷!) sf] kqåf/f lgj]bsnfO{ lgb{]zg .

&= pNn]lvt lk|lG6Ë Anf+s]6 d]lzgdf h8fg eO{ cfPsf] cf]l/hgn Anf+s]6 g} x'g\ . pQm Anf+s]6sf] cfo' tLg l;km\6 ;+rfngdf Go"gtd @% jif{;Dd x'g] Joxf]/f hfgsf/Lsf] nflu cg'/f]w 5 eGg] ldlt @)%%÷%÷@! sf] lgj]bssf] kqsf] Joxf]/f . *= ;ldltdf k|fKt ToxfFsf] ldlt @)%%÷@÷@^ sf] ph'/L lgj]bg pk/ cfjZos sf/jfxL eO{ ToxfFsf] ldlt @)%%÷%÷@! sf] kq nufot kmfOn ;+nUg sfuhftsf] cWoog kZrft pQm bfjL ;DaGwdf cGo ljj/0f tyf sfuhft eP ;f] ;d]t ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ adf]lhd ldlt @)%%÷^÷@ sf] ;ldltsf] kqåf/f aLdsnfO{ lgb{]zg . (= pNn]lvt lk|lG6Ë Anf+s]6 o; pBf]udf @&÷)^÷!((* df h8fg ul/Psf] a|';/ lk|lG6Ë d]lzgdf g} h8fg e} cfPsf] cf]l/lhgn Anf+s]6 g} x'g\ . o; Anf+s]6sf] nDafO{, rf}8fO{, df]6fO / tf}n qmdzM $# ld6/, @ ld6/, # ldlnld6/ / #!) s]=hL= ePsf] kfOG5 . of] Anf+s]6 clt g} alnof] ePsf]n] ;fwf/0f rf}la; 306f ;+rfngdf Kjfn kg]{, Rofltg] jf v/fa x'g] s'g} ;Defjgf g} 5}g . k'/f lk|lG6Ë sfo{sf] :t/Lotf Anf+s]6df g} e/kg{] ePsf]n] oL Anf+s]6sf] agfj6 clt g} dha't ul/Psf] x'G5 . lgdf{tf sDkgLaf6 k|fKt km\ofS; hfgsf/L cg';f/ Anf+s]6nfO{ rf}lj;} 306f k|of]u u/]tfklg o;} k|sf/sf] Anf+s]6sf] cfo' !) jif{ eGbf klg a9L cyf{t Go"gtd *&,^)) 306f;Dd ljgf s'g} v/faL k|of]u x'g] s'/f b]lvG5 . lk|lG6Ë d]lzg slt 306f ;+rfng eof] eGg] s'/f pQm d]lzgdf h8fg ul/Psf] ld6/df /]s8{ x'g] u/]sf]n] o; pBf]usf] lk|lG6Ë d]lzg h8fg ePsf] ;dob]lv otf $÷(÷!((* ;Dd hDdf $@,^*$ 306f dfq ;+rfng ePsf] b]lvPsf]n] olb pQm Anf+s]6 v/fj gePsf] eP o; pBf]usf] pTkfbg sfo{qmd cg';f/ csf{] !@ b]lv !% jif{;Dd ljgf s'g} v/fjL /fd|/L k|of]udf Nofpg ;lsGYof] . xfn pQm Ifltu|:t Anf+s]6 dd{t u/L k|of]u u/]tfklg :t/Lo lk|lG6Ë sfo{ x'g g;lsg] ePsf]n] ;f] km]g{' afx]s csf{] ljsNk gePsf] x'Fbf ;f]xL adf]lhd g} aLdf sDkgLdf bfjL k]z ul/Psf] ldlt !^÷%÷!((& df k|fKt k|f]km/df OGEjfO; cg';f/ pQm Anf+s]6sf] pkm=cf]=jL= d"No :jL; k|mf+s #@,*%).– ePsf]n] aLdf sDkgLdf bfjL k]z ul/Psf] ldltdf sfod /x]sf ljlgdo b/ cg';f/ ?=!#,)@,*#!.– / b'jfgL lSnol/+u, eG;f/ dxz'n cflb u/L pQm d"Nosf] @% k|ltztn] x'g] /sd ?= #,@%,&)&.– ;d]t hf]8L hDdf ?= !^,@*,%#*.– sf] bfjL k]z ul/Psf] . xfn pk/f]Qm d"No Ps jif{ eGbf k'/fgf] e};s]sf] / ljlgdo b/ ;d]t km/s ePsf]n] gofF l;=cfO{=Pkm= k|f]km/df / h8fg vr{ cflb Oli6d]6sf] nflu lgdf{tf sDkgLdf n]lv k7fOPsf] 5 . ;f] goFf k|f]km/df k|fKt x'gf;fy cfjZos sf/jfxLsf] nflu o; ;ldltdf k]z ug{]5f}+ . xfn ;f] Ifltu|:t ANf+s]6nfO{ ef/taf6 k6s k6s k|fljlw1x? af]nfO{ dd{t u/L d]lzg ;+rfng ul/Ptfklg :t/Lo lk|lG6Ë sfo{ x'g ;s]sf] 5}g . pQm Anf+s]6 t'?Gt km]g{' kg{] lgdf{tf sDkgLsf] egfO{ 5 . lgSs} 7fpFx?df Kjfn e} dd{t ul/Psf]n] Thermo Plast Glue sf] bf]Aa/ vr{ e} lgSs} cfly{s gf]S;fgL x'g'sf] ;fy} pTkfbgdf ;d]t ¥xf; cfPsf] x'gfn] pQm Anf+s]6 oyflz3| km]g{' kg{] ePsf] . ;d'Gb| dfu{af6 cfoft ubf{ lgSs} ;do nfUg] ePsf]n] #@) s]=hL= tf}n eP tfklg xjfO dfu{åf/f g} Nofpg' kg{] dxz'; e}/x]sf] 5 . k|f]km/df OGEjfO; ;f]xL adf]lhd lemsfOPsf] Joxf]/f cg'/f]w 5 . pk/f]Qm a'Fbfx? nufot To; ;ldltdf k]z u/]sf] o; pBf]usf] lgj]bg dfly ;xfg'e"lt k"j{s ljrf/ e}

pk/f]Qm pNn]lvt Anf+s]6 cfoft nufot h8fg (Landed Price Erectrion Charges) ;DaGwL nfUg] ;Dk"0f{ vr{ ;f] aLdf sDkgLaf6 cljnDa e/fO{ kfpg ;ljgo cg'/f]w 5 eGg] aLldtsf] ldlt @)%%÷^÷@! sf] kqsf] Joxf]/f . !)= d]lzg lgdf{tf sDkgLaf6 Anf+s]6sf] l;=cfO{=Pkm= sf7df8f}+ d"No / ;f] Anf+s]6 h8fg ubf{ nfUg] vr{ ;DaGwL lgDg adf]lhd k|f]km/df OGEjfO; k|fKt ePsf]n] cfjZos sf/jfxLsf] nflu o;} kq;fy k7fPsf] Joxf]/f cg'/f]w 5 . -s_ lk|lG6Ë Anf+s]6 l;=cfO{=Pkm=sf7df8f}+ Pc/ k|m]6 :jL; k|mf+s ?= #),%().– -v_ h8fg vr{ ?= !#,(^).– -u_ b}lgs eQf !) lbg c=ª ?= ^%).– cfhsf] ldltsf] ljlgdo b/n] hDdf ?= @#,)@,(*^.– -3_ lk|lG6Ë Anf+s]6 cfoft ubf{ nfUg] vr{ != eG;f/ % k|ltzt ?= &&,%^!.– @= d'=c=s= !) k|ltzt ?=!,^@,*&&.– #= a}+s sldzg / lSnol/+u -NoflG8Ë d"Nodf_ % k|ltzt ?= *(,%*@.– $= h8fg vr{df d"=c=s= ?= &),&(!.– pk/f]Qm k|f]km/df OGEjfO; adf]lhd pNn]lvt Anf+s]6 cfoft u/L h8fg ;d]t ubf{ hDdf ?= @&,)#,&#&.– nfUg] b]lvPsf]n] ;f]xL adf]lhd g} aLdf sDkgLaf6 oyflz3| e/fpg] cfjZos Joj:yfsf] nflu ;ljgo cg'/f]w 5 eGg] aLldtsf] ldlt @)%%÷&÷!% sf] kqsf] Joxf]/f . o; k|sf/ ldl;n ;+nUg sfuhft cWoogaf6 aLdf ul/Psf] a|';/ lk|lG6Ë d]lzgsf] Anf+s]6 (Blanket) aLdf cjlw leq} Iflt ePsf]df aLdsn] ;e{] k|ltj]bg cg'?k k|lt:yfkg d"Nosf] cfwf/ (replacement value basis) df bfjL km5Øf}{6 ug{ Anf+s]6 k|lt:yfkg d"No ?= !#,)@,*#!.– sfod u/L aLdfn]v adf]lhd /j/sf] ;fdfg (Rubber part) jfkt ¥xf;s§f %) k|ltzt ubf{ ?= ^,%!,$!%.– 36fO{ afFsL x'g cfPsf] ?= ^,%!,$!%.– df

kof{Kt aLdf gePsf] (under insurance) $) k|ltzt ?=@,^),%^^.– s§f u/L k|lt:yfkgsf] cfwf/df

(replacement basis) df e'QmfgL of]Uo /sd ?=#,(),*%).– e'QmfgL ug{ dGh'/ u/L ;f] jfkt aLldtn] pQm Ifltu|:t ;fdfgsf] ;Ssn OGEjfO; (original Invoice/bills) / Ifltu|:t ;fdfg a'emfpg' kg{] pNn]v u/L kq k7fPsf]df aLdssf] pQm lg0f{o lrQ ga'em]sf] elg Iflt jfkt ?= !^,@*,%#*.– bfjL e'QmfgL kfpg' kg{] aLldt lgj]bssf] dfu /x]sf] b]lvof] . o;/L bfjLsf] Ifltk"lt{ /sddf ph'/L u/]sf] b]lvof] . lgj]bssf] ph'/L pk/ sf/jfxL eO{ aLds tyf aLldt lgj]bsaf6 k|fKt x'g cfPsf] sfuhft k|df0ftkm{ x]bf{ pQm Iflt ljå]ifk"0f{ sfo{åf/f ePsf] k|x/Låf/f k|dfl0ft gePsf] Iflt d]lzg/L a|]s 8fpgaf6 ePsf], nuftf/ k|of]u wear and tear sf] sf/0f x'g ;Sg] ;Defjgf ;e{]o/n] JoQm u/]sf] pNn]v u/]sf] b]lvG5 eg] ph'/L sf/jfxL s} qmddf :jtGq d"NofÍgstf{sf] ?kdf s'g}klg ;e{]o/n] Anf+s]6 ag]sf] ldlt / To;sf] cj:yfsf] k|ToIf lg/LIf0f u/L pko'Qm ¥xf; s§f lgwf{/0f ug{ ;S5, nfdf] ;dob]lv k|of]udf /xL cfPsf] pQm Anf+s]6 k"0f{Iflt e'QmfgL x'g] cj:yfdf lyPg, aLldt :jo+n] sfdbf/sf] nfk/jfxLåf/f a|]s 8fpg Iflt ePsf] :jLsf/ u/]sf, lt ;a q'6Lsf afjh'b Pp6f dxTjk"0f{ bfjL dflg aLldtnfO{ ;f}xfb|{ ?kdf ?= #,(),*%).– :jLsfg{ cfu|x u/]sf] aLldtåf/f c:jLs[t ePsf] x'Fbf pQm Iflt k|fljlws ?kdf dd{t Ifltsf] cfwf/ (repariring loss basis) df km5Øf}{6 ug{] eGg] aLds

tkm{sf] egfO{ /x]sf] / pQm Iflt ePsf] Anf+s]6 rf}la; 306f nuftf/ rnfpFbf !) jif{ -*&,^)) 306f _ rNg]df $÷(÷!((* ;Dd hDdf $@,^*$ 306f dfq rn]sf], :t/Lo lk|lG6Ë gu/]sf]n] / gofF Anf+s]6 k|lt:yfkg ubf{ xfn ?=@&,)#,&#&.– nfUg] ePsf]n] ;f]xL adf]lhd /sd Ifltk"lt{ kfpF eGg] aLldt lgj]bssf] dfu /x]sf] b]lvof] .

7x/ o;/L, k|:t't bfjL ;DaGwL ljjfbdf ldl;n ;+nUg sfuhft tyf aLdfsf dfGo k|rng tyf l;4fGt cg'?k

lg0f{o ug{' kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ k"0f{ Iflt cj:yfdf gePsf] / nuftf/ k|of]u wear and tear sf] sf/0f Iflt ePsf] eGg] h:tf lj/f]wfefifk"0f{ s'/f aLds tkm{af6 k]z x'g cfPsf] 5 eg] lgj]bsn]

pQm Anf+s]6sf] cfo' afFsL /x]sf] elg lgdf{tf sDkgLaf6 k|fKt ;f] s'/f k'li6 ug{] sfuh k]z u/]sf] 5 . Ifltu|:t Anf+s]6sf] k|s[lt x]bf{ ;fdfGo k|of]usf] sf/0f k"0f{ Iflt x'g] ;d]t b]lvPg . bfjLsf] k[i7e"ldnfO{ x]bf{ aLdsn] bfloTj 7x/ u/L bfjL e'QmfgL ug{ dGh'/ ul/;s]sf] cj:yfdf pQm Iflt s] slt sf/0fn] ePsf] elg ljjfb ug{' jf ;f] pk/ u/L lg0f{o ug{' kg{] cj:yf ;d]t o; bfjLdf gb]lvPsf]n] o;tkm{ ljrf/ ul//xg' k/]g . o;}u/L k|lt:yfkg d"Nosf] cfwf/ (replacement value basis) df aLdf u/]sf] x'Fbf cGo aLdfdf h:tf] ¥xf; s§L ug{ ldNg] b]lvb}g . To:t} k|ofKt aLdf gePsf] (under insurance) h:tf cfwf/df d"NoflÍt /sd s§f ug{ gldNg]df ;e{]o/åf/f aLds;+usf] 5nkmn / ;Nnfx ;d]tsf] cfwf/df %) k|ltzt ¥xf; s§f u/]sf] elg k|ltj]bgdf ls6fgL ;fy n]lvPsf] cj:yfdf aLdsn] :jtGq d"NofÍgstf{ ;e{]o/n] ldlt / To;sf] cj:Yffsf] k|of]u u/L pko'Qm ¥xf; s§f ug{ ;Sg] elg cfkm\gf] egfOnfO{ k'li6 ug{ vf]Hg'sf] o; bfjLdf ;e{]o/n] :jtGq d"NofÍgstf{sf] e"ldsf lgjfx{ gu/L aLdssf] kIf lnPsf] ;d]t b]lvG5 . o; cy{df aLdsåf/f pQm bfjL lnPsf] ;d]t b]lvG5 . o; cy{df aLdsåf/f pQm bfjL d"NofÍg ug{ v6fPsf] ;e{]o/ sDkgLsf] ablgotk"0f{ (Malafied interest) sfo{df ;xefuL ePsf] dfGg' kg{] x'G5 . k|lt:yfkg d"Nodf aLdf ug{' eg]sf] ¥xf; s§f h:tf cGo ;fdfGo aLdfdf nfu" x'g] lgodx? nfu" gug{] k|Tofe"lt ug{' xf] . o;/L aLdf ubf{ k|lt:yfkgsf] cfwf/df u/]sf]nfO{ hfgL hfgL c:jLsf/ u/L aLdsn] ;e{]o/nfO{ l;sfO{ ¥xf; s§f ug{ nufPsf] dfq xf]Og aLdsn] ;d]t pQm ¥xf; s§LnfO{ :jtGq d"NofÍgstf{n] u/]sf cfwf/df elg pNn]v ub{} ;f]xL adf]lhd bfjL km5Øf}{6 ug{ kq k7fPsf] b]lvG5 . o;/L k|lt:yfkg d"Nosf] cfwf/df aLdf u/]kl5 ¥xf; s§f tyf k|of{Kt aLdf gePsf] elg aLdsåf/f s§f u/]sf] /sdnfO{ dfGotf lbg ldn]g . To;}u/L ;e{]o/n] k|lt:yfkg d"No sfod ubf{ pQm ;fdfgsf] d"Nodf yk @% k|ltzt -?=#,@%,&)&_ 9'jfgL eG;f/ lSnol/Ë (Transportaterors clearing,

custom) cflb sfod u/]sf]df aLdsn] pQm /sd s§f u/]sf] b]lvof] . k|lt:yfkg d"Nodf 9'jfgL eG;f/ lSnol/Ë cflbsf] nfut ;d]t kg{] x'G5 / ;f] /sd sfod u/L ;e{]o/n] d"NofÍg u/]sf] /sd ?=!^,@*,%#*.– / aLldt lgj]bsn] dfu u/]sf] /sd ;d]tdf km/s b]lvPg . o;/L ;e{]o/åf/f d"NoflÍt /sd / dfu bfjL /sd ;d]t Ps} ePsf] cj:yfdf aLdssf] ;Nnfxaf6 ;e{]o/n] aLdfn]vsf] k|s[lt ljkl/t ¥xf; s§f u/L ;f] /sddf k'gM ko{fKt aLdf gePsf] elg s§f u/]sf] sf/0fn] dfq ljjfb pTkGg ePsf] b]lvof] . ;e{]o/n] aLdf bfjLsf] d"NofÍg ubf{ k|ydtM dd{tsf] cfwf/df nfUg] nfut adf]lhd Iflt d"NofÍg ug{] / dd{tsf] cj:yfdf gePdf dfq cGo s'/f pNn]v ub{5 . o; bfjLdf ;e{]o/n] dd{tsf] cfwf/ / k|lt:yfkgsf] b'j} cj:yf pNn]v u/]sf]df pQm leGg cj:yfsf nflu tf]lsPsf] /sddf ;d]t 7"nf] leGgtf b]vfPsf] 5 . dd{tsf] cfwf/df Ifltsf] bfloTj lgwf{/0f gu/L aLdsn] k|lt:yfkg s} cfwf/df Ifltk"lt{ ug{ dGh'/ ul/;s]sf]n] o;tkm{ ljrf/ ul//xg' kg{]

b]lvPg . o;}}u/L xfn k|lt:yfkg ubf{ ?=@&,)#,&#&.– nfUg] elg lgj]bsn] dfu u/]sf]df bfjL ubf{ dfu ul/Psf] /sd eGbf a9L /sd dfu u/]sf]nfO{ dfGotf lbg' ;d]t plrt b]lvPg . o;y{M k|lt:yfkg d"Nosf] cfwf/df aLdf ul/Psf] / ;e{]o/n] 9'jfgL nufot vr{ hf]8L sfod u/]sf] d"NoflÍt /sd / lgj]bssf] dfu adf]lhdsf] /sdsf] c+s ;dfg ePsf] cj:yfdf aLdn]v ljkl/t ¥xf; s§f tyf kof{Kt aLdf gePsf] elg s§f ul/Psf] /sdnfO{ dfGotf lbg ldNg] b]lvPg . of] bfjLsf] bfloTj aLdsn]

:jLsf/ ug'{kg{] b]lvPsf]]n] aLldtn] pQm Ifltu|:t Anf+s]6 (salvage) aLds ;dIf a'emfpg] u/L csf{] Anf+s]6

k|lt:yfkg jfktsf] /sd ?= !^,@*,%#*.– -;f]¥x nfv c¶fO; xhf/ kfFr;o c8\lt; ?k}ofF_ aLldt lgj]bs cGgk"0f{ 6]S;f6fOn lnld6]8nfO{ e'QmfgL ug{' elg aLds lb cf]l/o06n OG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z ul/G5 . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%% ;fn r}q ! ut] /f]h @ z'ed\==========

>L k'g/fj]bg cbfnt, kf6g, nlntk'/ ;+o'Qm Ohnfz

dfggLo d'Vo Gofoflwz >L dLg axfb'/ /fodfemL dfggLo Gofoflwz >L e"kWjh clwsf/L

af6 ePsf] km};nf

;Djt\ @)%^.)%& ;fnsf] b] k'=g+===========================================================!()% sf=lh=sf=d=g=kf= j8f g+= !! /fdzfxky sf7df8f}+ l:yt /fli6«o aLdf ;+:yfgsf]

sf=d'= dxfk|aGws /ljdfg hf]zL ========================================================= k'g/fj]bs lj?4 n=k'=lh=n=k'=p=d=g=kf= j8f g+= # ;fg]kf a:g] ldlynf >]i7======================= k|ToyL{

d'2f M– u|fx{:y aLdf bfjL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ cg';f/ o;} cbfntsf] clwsf/ If]q leqsf] k|:t't d'2fsf] ;+lIfKt tYo Pj+ lg0f{o o; k|sf/ 5 . /fli6«o aLdf ;+:yfgsf] aLDffn]v g+=## Pr=Pr=^ cGtu{t n=k'=pk–dxfgu/kflnsf j8f g+= #, ;fg]kf, 9'+ufvfgL, zflGt j:tL l:yt a;f]af;sf] 3/ sfg"g ;Ddt tj/n] aLdf u/]sf]df s'g} ljjfb g/x]sf], ldlt @)%#÷$÷#! ut] /ftL cs:dft hldg efFl;g hfFbf aLdf u/]sf] pQm 3/ klg hldg efl;Ps} sf/0f Ifltu|:t ePsf] . o;/L b}jLk|sf]kaf6 hldg efl;O{ aLdf u/]sf] 3/ Ifltu|:t ePkl5 ldlt @)%#÷%÷@ df /fli6«o aLdf ;+:yfgnfO{ hfgsf/L u/fPsf] . pQm ;+:yfgaf6 ;e{]o/ ;d]t v6fO{ Ifltu|:t 3/sf] lg/LIf0f ;e{] u/L ;e{]o/n] Ifltu|:t ePsf] egL k|ltj]bg ;d]t bflvnf ug{'ePsf] . aLdf u/]sf] 3/ Ifltu|:t ePkl5 pQm 3/sf] vfkf, rf}s; afx]s ?= ^,(*,)^^.(( k};fsf] bfjL )%#.%.@$ df u/L ;f] aLdf bfjL /sd pknAw u/fO{ kfpgsf] nflu af/Daf/ pQm ;+:yfgsf clwsf/Lju{ ;dIf cg'/f]w u/]sf] . pQm ;+:yfgaf6 d]/f] bfjLsf] ;DaGwdf s'g} 6'+uf] gnufO{ lbPsf] sf/0f )%$.@.@$ df aLdf lgodfjnL, @)$( sf] lgod #@ sf clwgdf /xL >Ldfg\ dxfk|aGwsHo" /fli6«o aLdf ;+:yfg ;dIf bfjL /sd kfpF egL lgj]bg r9fPsf] . ;f] lgj]bgsf] klg 6'+uf] gnufOPsf] . jiff}{;Dd bfjL u/]sf] /sdsf] ;DaGwdf s'g} lg0f{o tyf 6'+uf] gnufO{ bfloTj lgwf{/0f gu/L csf/0f em'nfO{ d ph'/jfnf aLldtnfO{ Hofb} g} dsf{df kf/]sf] x'Fbf aLdf lgodfjnL @)$( sf] lgod ## sf clwgdf /xL aLdf ;ldlt ;dIf of] lgj]bg ug{ cfPsf] 5' . ctM aLDffn]v g+=## Pr=Pr=^cGtu{t /fli6«o aLdf ;+:yfgdf aLdf u/]sf] d]/f] a;f]af;sf] 3/ Ifltu|:t ePsf] x'gfn] d ph'/jfnf aLldtn] bfjL u/]sf] /sdsf] ;DaGwdf cljnDa lg0f{o u/L bfjL /sd pknAw u/fO{ kfpF eGg] ;d]t Joxf]/fsf] lgj]bs ldlynf >]i7sf] ldlt @)%$÷^÷( sf] ph'/L lgj]bg .

;ldltsf] sf=zf= &&-@_)%$.)%%r=g+= (^%–(^^ ldlt @)%$÷(÷@* sf] kqaf6 aLdf lgodfjnL, @)$( sf] lgod ## sf] pk lgod -!s_ sf] Joj:yf adf]lhd lnlvt hfgsf/Lsf ;fy tT;DaGwL sfuh ;d]t k]z ug{] aLdsnfO{ cfb]z . pQm 3/sf] u|fx{:y aLdfsf] nflu ldlt @)%#÷$÷@& -!!.*.!((^_ df k|:tfj kmf/fd e/L aLdf nfu" u/fpg' ePsf]df pQm ldlt cufj} tkfO{sf] pQm 3/df lr/f k/L efl;g] qmd hf/L e};s]sf] a'lemg cfPsf] ;Gbe{df pQm aLdfsf] s/f/sf] cfwf/ dflgg] k|:tfj kmf/fddf tkfO{n] jf:tljs ;"rgf tyf tYo n'sfPsf] 5}g, unt ljj/0f el/Psf] jf unt JofVof u/L k|:t't u/]sf] 5}g\, ;fy} ;+:yfgsf] aLdfn]vsf] c+u dflgg] k|:t't k|:tfj ;+:yfg / d aLrsf] s/f/sf] cfwf/ x'g]5 eGg] s'/f ;d]t :jLsf/ 3f]if0ff ub{5' egL k|:tfj kmf/fddf ;xL ug{' eO{ jf:tljs tYo tyf aLdfsf] d'Vo ljifo a:t'sf] ljj/0f n'sfO{ ;xL ;"rgf hfgsf/L gu/fpg' ePsf] cfwf/df tkfO{sf] lhls/nfO{ k'i6\ofO{ ug{] s'g} cfwf/ eP # lbg leq k]z ug{' x'g eGg] ;d]t aLdssf] k=;+=d=k|=sf= $!.)%$.)%% ldlt !#÷!)÷@)%$ sf] lgj]bsnfO{ n]v]sf] kqsf] Joxf]/f . aLldtsf] ldlt @)%$÷!)÷@@ sf] /fli6«o aLdf ;+:yfgsf] k=;+=d=k|=sf= $!.)%$.)%% sf] ;DaGwdf d]/f] a;f]af;sf] 3/ aLdf ubf{ pQm 3/ efl;Psf] lr/f k/]sf] lyPg . aLdf ug{' cufj} 3/ efl;g] qmd hf/L ePsf] eGg] a'lemg cfPsf] eGg] ;+:yfgsf] kqsf] syg s'g k|df0fn] k'li6 u/]sf] xf] . s] cfwf/n] To:tf] a'emfO{ ljZj;lgo / e/kbf{] x'g k'u]sf] xf] < s'g k|lqmof k4lt / sfg"gL k|fjwfgn] Tof] a'emfO{ cflwsfl/s dflgPsf] xf] < h:tf cfwf/e"t s'/f;Dd klg Wofg glbO{ xr'jfsf] e/df ljj/0f tYo n'sfPsf] eGg] aLldt pk/sf] cf/f]k oyfy{df Ps kIfLo / lg/fwf/ 5 . d}n] aLdf ubf{ tYo n'sfPsf] eP / ljj/0f em'¶f lbPsf] eP of]–of] tYo / sf/0faf6 ljj/0fx? em'¶f ePsf] eGg ;Sg'k5{ eg]/ dfGg x'Fb}g tL egfO{nfO{ k|df0fn] g} k'li6 ug{'kb{5 . em'¶f] ljj/0f lbPsf] / tYo n'sfPsf] eGg] s'/f k|df0fn] k'li6 gu/];Dd aLldtnfO{ nfl~5t ug{] clwsf/ s'g} sfg"gn] To; aLdf ;+:yfgnfO{ k|Tofe"t u/]sf] 5}g . To;f] x'Fbf tYo n'sfPsf] eGg] cf/f]k g} lans'n} lg/fwf/ 5 . ctM sfg"g ;Ddt tl/sfn] ;TotYo s'/f bzf{O{ aLdf u/]sf] 3/ Ifltu|:t ePsf] oltsf] nfdf] cjlw Joltt e};Sbf klg aLdf /sd gkfPsf]n] aLdf bfjL kfpg ;ljgo cg'/f]w 5 eGg] ;d]t Joxf]/fsf] aLdsnfO{ lgj]bsn] lbPsf] hjfkm . ;ldltsf] sf=zf= *^-@_)%$.)%%r=g+=!!#(–$) ldlt @)%$÷!!÷!$ sf] kqaf6 ;ldltsf] ldlt @)%$÷(÷@* sf] kqåf/f dfu ul/Psf ;Dk"0f{ sfuh kqsf ;fy} ;f] bfjL ;DaGwdf ;+:yfgaf6 ul7t # ;b:oLo 5fgljg cfof]un] k|ltj]bg tof/ kfbf{ lnPsf] ;Dk"0f{ sfuh k|df0f ;d]t k]z ug{ lgb{]zg . aLdsn] k=;+=k|=r+=g+= ^).)%$.)%% ldlt @)%$÷!@÷$ sf] kqdf ;ldltaf6 dfu eP adf]lhd lgDg sfuhx? ;+nUg u/L k7fPsf] eGg] pNn]v ub{} sf7df8f}+ pkTosf gu/ ljsf; of]hgf sfof{Gjog ;ldlt, nlntk'/sf] ldlt )%$.@.@) r=g+= ^&! sf] kqsf] k|ltlnlk tyf vfgL tyf e"ue{ ljefusf] ldlt )%$.@.@* sf] kqsf] k|ltlnlk tyf ;f] ;fy ;+nUg pQm ljefuåf/f n=k'= zflGt j:tLdf ul/Psf] cWoog k|ltj]bgsf] k|ltlnlk ;+nUg u/L cGo sfuhftx? ldlt df3 !#,)%$k=;+=d=k|=sf= $!.)%$.)%% sf] kq;fy ToxfF k7fO{ ;lsPsf] eGg] ;d]t Joxf]/f . ;ldltsf] sf=zf= ^&-@_ )%$.)%% r=g+= !$)@–!$)# ldlt @)%$÷!@÷@% sf] kqaf6 pQm # ;b:oLo 5fgljg cfof]un] k|ltj]bg tof/ kfbf{ lnPsf] ;Dk"0f{ sfuh k|df0f k]z ug{ n]lvPtf klg pQm 5fgljg cfof]usf] k[i7 # df pNn]lvt ldlynf >]i7n] ldlt )%#.%.% df n=k'= pk–dxfgu/kflnsf j8f g+= # sf] sfof{nodf lbPsf] lgj]bg tyf ;e{]o/ lzjZrg zfvM sf] ;e{] k|ltj]bg To; ;+:yfgsf] pNn]lvt kq tyf df3

!#, )%$ sf] kq ;d]tsf ;fy ;+nUg eO{ cfPsf] kfOPg . ctM pNn]lvt sfuhft ;ldltdf k]z ug{ aLdsnfO{ lgb{]zg . aLdssf] k=;+=Pd=cfO{= %( ldlt )%%.@.% sf] kqdf ldlynf >]i7sf] bfjLsf] ;DaGwdf ;e{]o/sf] k|ltj]bgsf] cnfjf cGo sfuhftx? k]z u/L ;lsPsf]df ldlt @)%$÷!@÷@%sf] kqaf6 ldlynf >]i7n] ldlt @)%#÷%÷%df n=k'=pk–dxfgu/kflnsf j8f g+= # sf] sfof{nodf lbPsf] lgj]bg tyf ;e{]o/sf] k|ltj]bg dfu ul/Psf] x'Fbf k'g pQm sfuhftx?sf] ;fy} zflGt ljsf; Snjsf] ldlt )%#.$.@& sf] kqsf] k|ltlnlk tyf pQm zflGt a:tLdf hldg efl;O{ lj:yflkt ePsf kl/jf/x?n] ldlt )%#.%.* df n=k'= sf ;f+;bx? tyf k|d'vsf] gfpFdf lbPsf] lgj]bgsf] k|ltlnlk klg o;} ;fy ;+nUg ul/Psf] eGg] Joxf]/f . aLdf bfjL ;DaGwdf lgj]bssf] dfu adf]lhdsf] bfloTj lgwf{/0f lsg ug{ gkg{] xf] ;f] ;DaGwdf cGo cfjZos sfuhft tyf ljj/0f eP ;f] ;d]t kq k|fKt ldltn] ;ft -&_ lbg leq ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf # tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;"lrt ul/Psf] ;ldltsf] k=;+=sf=zf= !#!.@.)%$.%% sf] ldlt )%%.#.! sf] kqsf] Joxf]/f . o;} u/L kmfOn ;+nUg sfuhfttkm{ x]bf{ ldlt )%#.$.# b]lv kb{} cfPsf] jiff{sf] kfgL jf cGo s]xL sf/0faf6 6f]ndf /x]sf & 3/ lr/f k/]sf] b]lvg cfPsf], ;f] lr/fx? lbg k|ltlbg a9\b} uO/x]sf] x'Fbf s]–slt sf/0fn] ;f] x'g uPsf] xf] ;DalGwt k|fljlwsaf6 lg/LIf0f tyf cg';Gwfg u/L s] ePsf] xf] tYo k|fljlws /fo pknAw u/fO{ ;xof]u u/L lbg eGg] :yfgLo zflGt ljsf; Snjn] vfgL tyf e"ue{ ljefunfO{ n]v]sf] ldlt )%#.$.@& sf] kqsf] Joxf]/f . vfgL tyf e"ue{ ljefusf >L ljho axfb'/ >]i7 nufot # ;b:oLo k|fljlws 6f]nLn] ;fpg @*, @)%# / ebf} &, @)%# -!@.*.!((^ / @#.*!((^_ df :ynut cWoog u/L k|ltj]bg ;d]t k]z u/]sf] b]lvG5 . aLdsåf/f ul7t # ;b:oLo 5fgljg ;ldltsf] ldlt )%$.$.@# sf] k|ltj]bgdf aLldtn] aLdf u/]sf] ldlt )%#.$.@& df g} :yfgLo zflGt ljsf; Snjsf cWoIf an/fd sfsL{n] vfgL tyf e"ue{ ljefudf lbPsf] lgj]bgdf )%#.$.# ut]b]lv k/]sf] jiff{sf] kfgLsf] sf/0f & j6f 3/ lr/f k/]sf] egL ls6fg ;fy pNn]v ePsf] o; ;ldltaf6 :ynut lg/LIf0f ubf{ ;f] 7fpFdf aLldt ;d]tsf] & j6f 3/ rs{]sf] b]lvbf aLldtsf] 3/ hldg efl;g uPsf] sf/0faf6 ePsf] s'/fdf ljjfb g/x]sf], ldlt )%#.$.#! df 3/ rs{]sf] ge} cfkm\gf] 3/ lr/f kg{

yfn]kl5 )%#.$.@& df aLdf u/]sf] . jf:tljs tYo (Disclosure of material facts) v'nfO{ ;xL tYo ljj/0f

(Atmost good faith) k]z gu/]sf] . ldlt )%#.$.# b]lv k/]sf] jiff{n] lr/f kf/]sf 3/x?dWo] aLldtsf] 3/ ;dfj]z ePsf] tYo lghn] ldlt )%#.%.% df j8f sfof{nodf lbPsf] lgj]bg / ;f] adf]lhd ug{ j8f sfof{nosf] l;kmfl/; ;fy} ;e{]o/n] k]z u/]sf] k|ltj]bgaf6 b]lvg] eGg] ;d]t Joxf]/f kfOG5 . j8f sfof{nosf] ldlt )%#.%.% sf] kqdf ldlt )%#.$.#! ut]b]lv hldg efl;g] qmdn] df]6/ hfg] af6f] / aLldt ;d]tsf] ^ j6f 3/ Iflt ePsf] Joxf]/f pNn]v 5 . ldlt )%#.%.* sf] aLldt nufot & hgfsf] hldg efl;O{ lj:yflkt kl/jf/sf] Joj:yf ;DaGwdf eGg] Joxf]/fsf] ;f+;b tyf gu/kflnsf k|d'vnfO{ n]v]sf] kqdf >fj0f #! ut] /ftL b]lv cs:dft hldg efl;O{ & 3/x? a:g cof]Uo ePsf] pNn]v u/]sf] b]lvG5 . ;e{]o/ ;f6f OlGhgLol/Ë Pzf]l;o6\;sf] ldlt ^.*.)%# sf] ;e{] k|ltj]bgdf Ifltsf] sf/0f hldg efl;g (Land Slide) /x]sf] pNn]v ub{} pQm hldg efl;g] qmd cui6 dlxgfsf] aLdf ePsf] tyf ;f] 3/sf] aLdf !! cui6df ul/Psf] Joxf]/fsf] ;fy} lgj]bssf] 3/sf] Iflt d"NofÍg ?=%,)(,^)).– ul/Psf] kfOG5 .

u|fx:y aLdfn]v g+=## Pr=Pr=))))^.(^)*!! cGtu{t aLdf ul/Psf] aLldt ldlynf >]i7sf] 3/ aLdfn]v cjlw leq} ldlt )%#.$.#! b]lv cs:dft hldg efl;O{ 3/ lr/f k/L Iflt ePsf] b]lvg cfPsf]n] aLds /fli6«o aLdf ;+:yfgnfO{ aLldt ldlynf >]i7nfO{ aLdf Ifltk"lt{ jfkt ;e{]o/n] d"NofÍg u/]sf] ?=%,)(,^)).– -kfFr nfv gf} xhf/ 5 ;o ?k}+of_ dfq bfjL e'QmfgL ug{' egL aLdf P]g, @)$( sf] lgod ## sf] pk–lgod -@_ adf]lhd cfb]z ul/G5 eGg] ;d]t aLdf ;ldltaf6 ePsf] lg0f{o . pQm lg0f{odf lrQ a'em]g . cfjZos sfuhft k]z u/]kl5 Pstlkm{ lg0f{o ug{ gldNg] olt Ifltk"lt{ lbg' egL lg0f{o ug{] clwsf/ aLdf P]g tyf lgodfjnLn] aLdf ;ldltnfO{ k|bfg u/]sf] 5}g, aLldt ldlynf >]i7n] cfkm\gf] 3/ rs{g yfn]kl5 ;f] tYo n'sfO{ gf]S;fgLaf6 aRg aLdf u/]sf] tYo k|df0faf6 b]lvg cfpF5 . aLdf ;+:yfgn] aLdfsf] kf]lnl; hf/L ubf{ cfkm\gf] u|fxsn] lbPsf] tYo ljj/0fnfO{ (Utmost good faith) sf] cfwf/df ljZJff; u/L Tof] cg'?k aLdf ug{] k|rng /xL cfPsf] aLdf ;ldltsf] lg0f{o sfg"gL tyf Goflos dgsf] cefjsf ul/Psf] x'Fbf ;f] lg0f{o pN6f u/L em'¶f bfjLaf6 km';{b u/L OG;fkm kfpF eGg] ;d]t k|ltjfbL /fli6«o aLdf ;+:yfgsf dxfk|aGws /ljdfg hf]zLsf] o; cbfntdf kg{ cfPsf] k'g/fj]bg kq . o;df k'g/fj]bs /fli6«o aLdf ;+:yfgn] aLdf lgodfjnL, @)$( sf] lgod #@ -!v_ adf]lhd dfu ePsf] sfuhft tyf ljj/0f ;ldltdf k]z gu/]sf] eGg] ;d]t cfwf/ lnPsf]df ljkIfL ;dIf ldlt )%$.!@.$ Pj+ )%%.@.% ;d]tdf k6s–k6s pQm ljj/0f ;d]tsf sfuhftx? k]z u/]sf] b]lvPsf] ;d]tsf] cj:yfdf aLdf lgodfjnL, @)$( sf] lgod ## -!u_ cg'?k egL PstkmL{ u/]sf] pQm )%%.%.@! sf] ljkIfL ;ldltsf] lg0f{o aLdf lgodfjnLsf] lgod ##-@_ ;d]tsf] k|Zgdf km/s kg{ ;Sg] b]lvbf c=j= @)@ g+= tyf k'=j=c=lg= )$* sf] lgod $& adf]lhd ljkIfL lemsfO{ cfPkl5 jf cjlw gf3]kl5 lgodfg';f/ k]z ug{' eGg] o; cbfntsf] cfb]z .

cbfntsf] 7x/

lgod adf]lhd b}lgs d'2f k]zL ;"lrdf r9L k]z x'g cfPsf] k|:t't d'2fsf] k'g/fj]bg ;lxtsf] ldl;n cWoog u/L k'g/fj]bstkm{af6 /xg' ePsf ljåfg clwjQmf ufGwL kl08tn] ldlynf >]i7n] cfkm\gf] 3/ rls{g nfu]kl5 ;f] tYonfO{ n'sfO{ em'¶f ljj/0f pNn]v u/L aLdf u/]sf] eGg] s'/f :yfgLo zflGt ljsf; Snan] n]v]sf] kqaf6 k|dfl0ft e} /x]sf] cj:yf Psftkm{ 5 eg] csf{]tkm{ aLdf P]g, @)$( sf] bkmf * tyf aLdf lgodfjnL, )$( sf] lgod ## sf] Joj:yfn] aLdf ;ldltn] aLdf lgwf{/0f u/L aLdf bfloTj ltg{' egL eGg ;Sg] u/L clwsf/ k|bfg u/]sf] 5}g . aLdf P]g, @)$( sf] bkmf *-3_ cg';f/ aLdf bfloTj lgwf{/0f ;DaGwdf aLds lj?4 aLldltn] lbPsf] ph'/Ldf lg0f{o ug{] clwsf/ aLdf ;ldltnfO{ lbPsf] Joj:yf adf]lhd clwsf/sf] sfof{Gjog ug{] Joj:yf lgod ## n] u/]sf] x'Fbf aLdf bfloTj lgwf{/0f u/L Ifltk"lt{ olt lbg' eGg] lg0f{o ug{ ;Sg] cj:yf gx'Fbf aLdf bfloTj lgwf{/0f ug{] u/]sf] lg0f{o q'6Lk"0f{ /x]sf] eGg] / ljkIfLx?tkm{af6 /xg' ePsf ljåfg clwjQmfåo /fw]Zofd clwsf/L / k|sfz /fptn] aLdf klxnf] ;+zf]wg P]g, @)%@ n] bfloTj lgwf{/0f ;DaGwdf aLds lj?4 aLldltn] lbPsf] ph'/L pk/ lg0f{o ug{] egL aLdf P]g, @)$( sf] bkmf * df -3!_ ylkPsf] ;d]taf6 aLdf ;ldltnfO{ aLdf bfloTj lgwf{/0f ug{] clwsf/ gePsf] eGg gldNg], /fli6«o aLdf ;+:yfgn] lgo'Qm u/]sf] SATA Engineering Associates sf] l/kf]6{af6 ;d]t hldg efl;g] sfo{ cui6 dlxgfsf] dWoaf6 z'? eof] eGg]5 cui6sf] dWo eGbf >fj0f dlxgfsf] #) ut] kl5sf] cjlw hgfpg] ;d]taf6 aLdf ;ldltsf] @)%%.%.@! sf] lg0f{o ldn]s} b]lvg] egL ug{'ePsf] ax; ;d]tnfO{ dWogh/ /fvL lg0f{otkm{ ljrf/

ubf{ k'g/fj]bstkm{sf ljåfg\ clwjQmf aLdf ;ldltn] aLdf lgwf{/0f u/L aLdf bfloTj ltg{' egL eGg ;Sg] clwsf/ aLdf ;ldltnfO{ gePsf] eGg] ;DaGwdf p7fpg' ePsf] k|Zgtkm{ x]bf{ aLdf klxnf] ;+zf]wg P]g, @)%@ n] aLdf bfloTj lgwf{/0f ;DaGwdf aLds lj?4 aLldtn] lbPsf] ph'/L pk/ lg0f{o ug{] Joj:yf u/L P]gsf] bkmf * df -3!_ ylkPsf] kfOof] . aLdf bfloTjsf] lgwf{/0f ;DaGwdf aLds lj?4 lbPsf] ph'/L pk/ lg0f{o ug{] egL P]gdf :ki6 Joj:yf ePkl5 aLdf lgodfjnL, @)$( sf] bkmf ## n] P]gsf] sfof{Gjog ljlw lgwf{l/t ul/Psf] lgod ## sf] pklgod -@_ ;+zf]wg gePsf] pk–lgod -!_ adf]lhd k/]sf] pk/ aLdf ;ldltn] hfFra'em ubf{ aLdsn] bfloTj lgwf{/0f ug{'kg{]df lgwf{/0f u/]sf] gb]lvPdf ;ldltn] aLdsnfO{ bfloTj lgwf{/0f ug{ jf k'gM bfloTj lgwf{/0f ug{ cfb]z lbg ;Sg]5 eGg] ePkl5 aLdf ;ldlt :jod\n] aLdssf] bfloTj lgwf{/0f ug{ ;Sg] cj:yf gePsf] eGg] tkm{ k'g/fj]bstkm{af6 /xg' ePsf ljåfg clwjQmfsf] d'Vo ax; /x]sf] 5 . aLdf P]g, @)$( sf] bkmf $& n] P]gsf] p2]Zo sfof{Gjog ug{ >L % sf] ;/sf/n] cfjZos lgod agfpg ;Sg] Joj:yf eP adf]lhd g} aLdf lgodfjnL ag]sf] P]gdf ePsf] Joj:yf ljkl/t lgod hfg g;Sg] s'/fdf ljåfg clwjQmf ;xdt x'g'x'G5 . aLdf klxnf] ;+zf]wg P]g, @)%@ sf] bkmf * df -3!_ yk u/L aLdf bfloTj lgwf{/0fsf ;DaGwdf aLds lj?4 aLldtn] lbPsf] ph'/L pk/ lg0f{o ug{] egL :ki6 ?kaf6 Joj:yf ePsf]df aLdf lgodfjnL, @)$( sf] lgod ## sf] pk–lgod @ sf] Joj:yf leq /x]/ dfq ug{ kfpg] egL P]gsf] Joj:yfnfO{ lgodn] ;+s'rg u/]sf] b]lvG5 . P]gsf] p2]Zo k"lt{sf] lgldQ lgod agfOg] xf] . P]gn] g} aLdf bfloTj lgwf{/0fsf ;DaGwdf aLds lj?4 aLldtn] lbPsf] ph'/L pk/ lg0f{o ug{] egL :ki6 Joj:yf ePkl5 aLdf ;ldltn] cfkm}+n] aLdf bfloTj lgwf{/0f ;DaGwdf lg0f{o ug{ gkfpg] egL eGg ldNg] cj:yf /x]g . k|TofyL{ ldlynf >]i7n] )%#.$.@& df u|fx{:y aLdf u/fPsf]df s'g} ljjfb ePg . )%#.$.# b]lv clj/n ?kdf k/]sf] jiff{n] lr/f k/]sf] ldlynf >]i7sf] 3/ klg aLdf ;+:yfgsf] ljZjf;sf] kmfObf lnO{ jf:tljs tYo g} n'sfO{ aLdf u/]sf] eGg] g} k'g/fj]bssf] lhls/ klg kfO{of] . ldl;n;fy /x]sf] k|df0faf6 jf:tljs ?kdf slxn]b]lv 3/ lr/f k/]sf] xf] ;f]sf] ldlt Plsg x'g cfPsf] 5}g . :yfgLo zflGt ljsf; Snjsf] ldl;n ;+nUg kqaf6 )%@.$.@& df s]xL 3/x? lr/f k/]sf] eGg];Dd /x]sf] 5 t/ s–s;sf] 3/ lr/f k/]sf] eGg] s'/f ;f] kqdf pNn]v ePsf] 5}g . aLldtn] cfkm\gf] ;DklQsf] aLdf ug{ cfPsf] cj:yfdf aLdf ul/Psf] ;DklQ aLldtn] lbPsf] ljj/0f cg';f/ ;xL xfntdf /x] g/x]sf] hfFra'em u/L Plsg ug{] st{Jo aLdssf] klg xf] . hldg efl;g], 3/ rls{g] cflb s'/fx? ;fdfGo b[li6af6 klg b]Vg g;lsg] s'/f x}g . aLds /fli6«o aLdf ;+:yfgn] aLdf ug{ eGbf klxn] cfkm"n] aLdf ul/Psf] ;DklQsf] lg/LIf0f gu/]sf] aLldtn] g} lbPsf] tYonfO{ ljZjf; u/L aLdf ul/Psf] eGg] egfO{ klg k'g/fj]bssf] b]lvb}g . SATA Engineering Associates nfO{ Iflt ePsf] /sd ;e{] u/L l/kf]6{ lbg k'g/fj]bs /fli6«o aLdf ;+:yfgn] g} lgo'lQm u/]sf]df s'g} ljjfb 5}g . ldl;n;fy /x]sf SATA Engineering Associates sf] k|ltj]bgaf6 dWo cui6 !((^ b]lv hldg efl;g z'? u/]sf] elgPsf] 5 . of] k|ltj]bgsf] cfwf/df >fj0f #) ut] kZrft\ dfq hldg efl;g z'? u/]sf] eGg] b]lvg cfpFb5 . k'g/fj]bsn] of] k|ltj]bgnfO{ cGoyf eGg ;s]sf] 5}g . k'g/fj]bs cfkm}n] lgo'Qm u/]sf] ;e{]o/sf] k|ltj]bgaf6 >fj0f #) ut] kZrft\ dfq hldg efl;Psf] eGg] b]lvPsf] cj:yfdf )%#.$.@& ut] eGbf rs{]sf] jf:tljs tYo n'sfO{ aLdf ul/Psf] eGg ;lsg] cj:yf k'li6 x'g gcfPaf6 ?=%,)(,^)).– bfjL e'QmfgL ug{' egL aLdf ;ldltaf6 ePsf] )%%.%.@! sf] lg0f{o dgfl;a 7x5{ . k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;Sb}g . bfo/fsf] nut s§f u/L ldl;n lgodfg';f/ clen]v zfvfdf a'emfO{ lbg' . pQm /fodf d ;xdt 5' .

-e"kWjh clwsf/L_ -dLg axfb'/ /fodfemL_ Gofoflwz d'Vo Gofoflwz Olt ;Dat\ @)%^ ;fn d+l;/ @! ut] /f]h # z'ed\========= lgj]bssf] gfd aLdssf] gfd >L lxdfno c6f] O08i6«Lh -k|f=_ln= >L g]zgn OG:of]/]G; sDkgL lnld6]8 6+sL ;'gjf/L,lj/f6gu/, g]kfn . lqk'/]Zj/, sf7df08f}+, g]kfn . d'2f M– clUg aLdf bfjL af/] . o; ;ldltdf k|fKt lxdfno c6f] O08i6«Lh -k|f=_ln= 6+sL ;'gjf/L, lj/f6gu/sf] ldlt @)%#÷(÷& sf] 6«fG;km/ kfOgn jf]8{ lj:kmf]6g eO{ cfuf] nflu Ifltu|:t ePsf] ;DaGwdf ;d]t ljifosf] lgj]bg ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] of] aLdf bfjL tkm{ x]bf{ b]xfo adf]lhd eP u/]sf] kfOof] . != aLldt lgj]bssf] ldlt &÷(÷)%# sf] ;ldltdf k|fKt lgj]bgdf 6«fG;km/d/ / kfOgn jf]8{ crfgs ldlt @)%#÷$÷@* sf lbg lbpF;f] sl/a ! ah] lj:kmf]6g eO{ cfuf] nflu Ifltu|:t ePsf] hfgsf/L aLdsnfO{ lbPsf] t/ aLdsn] bfjL c:jLsf/ u/]sf] eGg] ;d]t Joxf]/f /x]sf] kfOG5 . @= ;ldltsf] ldlt @)%#÷(÷!! sf] kqaf6 aLdsnfO{ bfjL ;DaGwdf lnlvt hfgsf/Lsf ;fy tt\;DaGwL sfuhft ;d]t k]z ug{ lgb{]zg lbPsf] b]lvG5 . #= aLdssf] ldlt @)%#÷(÷@% sf] kqaf6 :ynut lg/LIf0f ug{ v6fOPsf ;e{]o/ >L P;= s]= dfemLn] cfkm\gf] k|ltj]bgdf 6«fG;km/d/ / kfOgn jf]8{ Iflt x'gfsf] sf/0f ljB'tLo v/faLaf6 ePsf] pNn]v u/]sf] / ljB'tLo v/faLn] x'g] Ifltsf] ;'/If0f pNn]lvt aLdfn]vaf6 ;+/If0f k|bfg gu/]sf]n] aLldtsf] bfjLnfO{ c:jLs[t ul/Psf] Joxf]/f hfgsf/L u/fPsf] kfOG5 . $= ;e{]o/ P;=s]= dfemLsf] ldlt !(÷*÷!((^ sf]] k|ltj]bgdf The most probable cause of loss in transformer

caused by internal fire due to electrical faults eGg] pNn]v ub{} pQm Iflt d]lzg/L a|]s8fpg cGtu{t kg{] / ;f] ;'/Iff aLdfn]vn] axg gu/]sf] x'Fbf pQm bfjL gnfUg] ;d]t pNn]v u/]sf] kfOof] . %=;ldtsf] ldlt @)%#÷!!÷% sf] kqaf6 aLldtnfO{ ePsf ;Dk"0f{ sfuh k|df0f ;d]t k]z ug{ lgb{]zg lbOPsf] kfOG5 . ^= lxdfno c6f] O08i6«Lh -k|f=_ ln=sf] ldlt @)%#÷!!÷@* df ;ldltnfO{ k|fKt kqaf6 ;ldltsf] ldlt @)%#÷!!÷% sf] kqsf] hjfkmdf cGo k|df0fx? g]zgn OG:of]/]G; sDkgL ln=n] lgo'lQm u/]sf] ;e{]o/sf] l/kf]6{ tyf kmf]6f] cflbaf6 pknAw x'g] ;d]t Joxf]/fsf ;fy} z'? lgj]bg ;fy k]z ul/Psf] sfuhftx? ;+nUg ul/Psf] kfOG5 . &= o; k|sf/ lgj]bs lxdfno c6f] O08i6«Lh -k|f=_ln=sf] clUg aLdf aLdfn]v g+=@$!÷#!÷!**$@÷(%÷(^ cGtu{t g]zgn OG:of]/]G; sDkgL ln=df ePsf] / pQm aLdfn]vsf] cjlw !$÷@÷!((^ b]lv !$÷@÷!((& ;Dd ePsf] tyf aLdfn]vsf] cjlw leq ldlt @)%#÷$÷@* -!@÷*÷(^_ df aLldt lxdfno c6f] O08i6«Lh -k|f=_ ln=sf] 6«fG;km/ kfOgn jf]8{ Iflt ePsf]df ;d]t s'g} ljjfb geP tfklg pQm Ifltsf] bfloTj aLdfn]v cGtu{tsf] bfloTj egL aLdsn] :jLsf/ ug{' kg{] jf gkg{] ;DaGwdf ljjfb /x]sf] b]lvof] .

7x/ o; ;Gbe{df ;DalGwt aLdfn]vn] k|bfg u/]sf] ;'ljwftkm{ x]bf{ aLldtsf] egfO{ adf]lhd crfgs lj:kmf]6 eO{ cfuf] nfuL Iflt ePsf] cj:yfdf ;d]t pQm aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd aLdsn] bfloTj ltg{' kg{] b]lvb}g eg] ;e{] k|ltj]bgdf pNn]lvt Ifltsf] sf/0faf6 klg pQm bfjLsf] e'QmfgL ug{' kg{] jfWotf aLdsdf /x]sf] b]lvPg ;fy} aLldtn] k]z u/]sf] sfuh k|df0faf6 ;d]t pQm bfjLsf] bfloTj aLdsn] :jLsfg{ kg{] b]lvPg . ctM o; bfjLsf ;DaGwdf aLdsn] bfjL c:jLsf/ ubf{ aLldtnfO{ n]v]sf] 6«fG;km/d/ ljB'tLo v/faLsf] sf/0f gf]S;fgL ePsf] t/ ;f] hf]lvd aLdfn]vdf ;dfj]z gu/]sf] x'Fbf aLdfn]vsf] zt{ tyf ;'ljwf cGtu{t gkg{] eGg] aLdssf] ldlt !%÷(÷!((^ sf] kqsf] Joxf]/f dgfl;j b]lvPsf] x'Fbf aLldt lxdfno c6f] O08i6«Lh-k|f=_ ln=sf] ldlt &÷(÷@)%# sf] lgj]bg aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -$_ adf]lhd vf/]h ug{'sf ;fy} o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Djt\ @)%^ ;fn r}q ^ ut] a'waf/ /f]h $ z'ed\=========


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sf=lh=sf=d=g=kf= j8f g+= !$ s'n]Zj/l:yt l8=P;=sG:6«S;g sDkgL k|f=ln=k[YjL lgdf{0f ;]jf / ;kgf lgdf{0f ;]jf k|f=ln= -HjfOG6 e]Gr/_ sf] k'g/fj]bs tkm{af6 P]sf] k|f]=8f=d=lh=x]=g=kf====================================================================== -jfbL_ lj?4 /fd ?Sd0fL ;bg sdnfbL /fdzfxky sf7df8f}+df :yflkt lk|oldo/ OG:of]/]G; k|ToyL{ sDkgL -g]kfn_ k|f=ln================================================================================== k|ltjfbL

d'2f M– aLdfsf] bfjL e'QmfgL lbnfO{ kfpF . Gofo k|zf;g P]g,)$* sf] bkmf *-!_ n] k|:t't k'g/fj]bg o;} cbfntsf] clwsf/ If]q leqsf] b]lvPsf]n] d'2fsf] ;+lIfKt tYo o; k|sf/ 5 . ljkIfL aLds lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ ln=n] d lgj]bs;+u u/]sf] aLdfn]v adf]lhdsf] bfloTj 7x/ u/L d}n] bfjL u/]sf] aLdfsf] bfjL e'QmfgL ug{'kg{]df ;f] s]xL gu/L bfloTj lgjf{x gu/]sf]n] ;f¥x} cGofodf k/L aLdf P]g, @)$( ;+zf]wg ;lxtsf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] ;+zf]wg ;lxtsf] lgod ## ;d]tsf cfwf/df cfkm\gf] hf] ePsf] ;To ;fFrf] Joxf]/f lgDg k|s/0fx?df v'nfO{ of] lgj]bg ug{ cfPsf] 5' . ljkIfLsf] bfloTj 7x/ u/L d}n] bfjL u/] cg';f/ aLdf bfjL /sd e'QmfgL lbnfO{ kfpF . ;8s ljefu /f]8 d]lG6g]G; P08 l/xfljln6]zg k|f]h]S6 -lkl/of]l8s d]G6Lg]G; k|f]u|fd_ cGtu{t tfg;]g–l/8L ;8s Kofs]h g+=# tfg;]g xfyf{]s v08 )±))) ls=dL=b]lv !) ±*%) ls=dL=;Ddsf] ;8sdf u/L u|felnË, d]l;g/L tyf UofjLg, 6]jf kvf{n / gfnL lgdf{0f ug{] sfo{ o; l8=P;= sG:6«S;g sDkgL k|f=ln= k[YjL lgdf{0f ;]jf / ;kgf lgdf{0f ;]jf k|f=ln= s'n]Zj/ sf7df8f}+n] ;+o'Qm ?kdf -HjfOG6 e]Gr/_ ug{] u/L ldlt @)%# ;fn c;f]h @$ -cS6f]j/ !)–!((^_ df ;8s ljefu;+u s"n /sd ?= #,)*,)^,&#%.– df 7]Ssf ;Demf}tf u/L ldlt @)%$÷^÷@# -(cS6f]j/ !((&_ leq sfo{ ;DkGg ug{] zt{df lgdf{0f sfo{ ;~rfng u/L cfPsf]df ldlt @)%$÷^÷!( -%cS6f]j/ !((&_ df 7]Ssf ;Demf}tf cg';f/ ug{'kg{] ;Dk"0f{ lgdf{0f sfo{ ;DkGg eof] .

pQm ;8s;+u ;DalGwt ;8s ljefu, o; HjfOG6 e]Gr/ sDkgL / ljkIfL lk|ldo/ OG:of]/]G; sDkgL aLr ldlt @)%#÷*÷#) -!%–!@–!((^_ df pQm ;8ssf] aLdf u/fpFbf aLdfsf] s/f/gfdf ;DaGwL clwsf/ tyf bfloTj pNn]lvt lnvt ePsf] lyof] . pQm aLdfn]v cg';f/ aLdf cjlw @)%#÷^÷@$ -!)–!)–!((^_ b]lv ldlt @)%$÷^÷@# -)(–!)–!((&_ ;Ddsf] ;8s lgdf{0f cjlw / To; kl5sf] yk !@ dlxgf dd{t cjlw ;Ddsf] cjlwnfO{ aLdf cjlw sfod ul/Psf] 5 . pk/f]Qm k|s/0f g+= ! adf]lhd lgdf{0f sfo{ ;DkGg u/L k|s/0f g+=@ adf]lhd lgj]bsn] ;8s dd{t ;Def/ sfo{ ub{} cfPsf] cj:yfdf @)%% ;fn c;f/, >fj0f -!((* h'nfO{_ dlxgfdf cfPsf] leif0f jiff{bsf] sf/0f klx/f] uO{ pQm ;8s Ifltu|:t ePsf]n] ldlt @)%%÷$÷!( -$ cui6 !((*_ df ;f]sf] lnlvt hfgsf/L ljkIfL lk|ldo/ OG:of]/]G; sDkgLnfO{ u/fOof] . ;f] hfgsf/L lbOP cg';f/ ljkIfLn] g]kfn Sn]d Ao"/f] sflGtkynfO{ pQm ;8sdf ePsf] Ifltsf] ;e{] u/L l/kf]6{ k]z ug{ kqfrf/ u/]sf] lyof] . ljkIfL OG:o'/]G; sDkgLsf] tkm{af6 v6fOPsf] ;e{]o/ ;8s ljefusf] k|ltlglw / o; HjfOG6 e]Gr/ sDkgLsf] k|ltlglw ;d]tsf] /f]xj/df pQm Ifltu|:t ;8ssf] ;+o'Qm ?kdf lg/LIf0f Pj+ gfkhfFr u/L cfP cg';f/ pQm ;8sdf Landslide sf sf/0f ePsf] Iflt jfkt o; HjfOG6 e]Gr/ sDkgLn] kfpg' kg{] /sd ?= !),!#,%$(.)^% e'QmfgL kfpgsf nflu ljkIfL OG:of]/]G; sDkgLNfO{ ldlt @)%%÷%÷!% -#!cui6 !((*_ df kqfrf/ u/L o; HjfOG6 e]Gr/ sDkgLsf] tkm{af6 cg'/f]w ul/Psf] lyof] . o:t}df @)%% ;fn >fj0f–efb| -!((* cui6_ dlxgfdf cfPsf] leif0f jiff{bsf] sf/0f pQm aLdf ul/Psf] ;8sdf klx/f] ;d]t uO{ bf];|f] k6s k'gM Ifltu|:t ePsf]n] @)%%÷%÷!@ -@*cui6 !((*_ df ljkIfL OG:of]/]G; sDkgLnfO{ ;f]sf] lnlvt hfgsf/L u/fO{ @)%%÷%÷#! -!^;]K6]Da/ !((*_ df bf];|f] k6s ePsf] Ifltsf] ;Dk"0f{ ljj/0f ;lxt lan ;d]t k]z u/L ljkIfL OG:of]/]G; sDkgL ;dIf aLdf bfjL e'QmfgL kfpgsf nflu o; HjfOG6 e]Gr/ sDkgLsf] tkm{af6 kqfrf/ u/L cfPsf] 5 . ;f] bf];|f] k6ssf] Ifltsf] ;DaGwdf ljkIfL sDkgLn] bfloTj lgwf{/0f u/L hfgsf/L lbPsf] avt lgj]bsnfO{ dsf{ k/]df sfg"g adf]lhd cfkm\gf] xs ;+/If0ffy{ sf/jfxL rnfpg kfpg] xs ;'/lIft /x]sf]n] o;df pNn]v ul//xg' k/]g . HjfOG6 e]Gr/ sDkgL ;f] Ifltu|:t ;8s k'gM lgdf{0f ug{ jfWo gx'g] / ljkIfL OG:of]/]G; sDkgLn] klg pk/f]Qm k|s/0f g+ $ df pNn]lvt klxnf] k6s Iflt ePsf] ;8ssf] @)%%÷$÷!( cyf{t $ cui6 !((* sf kqfrf/ hfgsf/L u/fO{Psf] aLdf bfjL e'QmfgL lbg jfWo gx'g] egL ldlt @)%%÷^÷@@ -@@ ;]K6]Dj/ !((*_ df k=;+= )%%.)%^–)@%* sf] kqaf6 ljkIfL OG:of]/]G; sDkgLn] o; HjfOG6 e]Gr/ sDkgLnfO{ hfgsf/L u/fPaf6 ljkIfLn] cfkm\gf] bfloTj k'/f gu/]sf] :ki6 x'G5 . ;f] Ifltu|:t ;8s dd{t ;Def/ cjlw lgdf{0f sfo{ ;DkGg ePkl5sf] !@ dlxgf leq}df Iflt ePsf] sf/0f ;8s ljefu;+u u/]sf] 7]Ssf ;Demf}tf cg';f/ lgj]bs HjfOG6 e]Gr/ sDkgLn] k'gM dd{t ;Def/ ug{'kg{] cj:yf ljBdfg e} /x]sf] l:yltdf ljkIfL OG:of]/]G; sDkgLn] aLdfn]v adf]lhd cfkm\gf] bfloTj 7x/ u/L pk/f]Qm k|s/0f g+= $ adf]lhd ?=!),!#,$%(.)^% aLdfsf] bfjL o; HjfOG6 e]Gr/ sDkgLnfO{ e'QmfgL ug{' kg{]df gu/L bfloTjaf6 kG5g vf]h]sfn] ljkIfL lk|ldo/ OG:of]/]G; sDkgLnfO{ lemsfO{ cfjZos sfg"gL sf/jfxL u/L pk/f]Qmfg';f/ klxnf] k6s Iflt ePsf] ?=!),!#,$%(.)^% aLdfsf] bfjL ljkIfLaf6 e'QmfgL lbnfO{ kfpF . ;fy} ljkIfLn] d lgj]bs aLldtsf] xslxt lj?4 bfloTj lgjf{x gug{] u/L lg0f{o u/L df}s}df aLdf bfjL e'QmfgL glbO{ ;8s k'gM lgdf{0f sfo{df afwf k'¥ofO{ gf]S;fg k'¥ofPsf]n] aLdf P]g, @)$( sf] bkmf !& adf]lhd Ifltk"lt{ /sd ;d]t lbnfO{ e/fO{ kfpF eGg] Joxf]/fsf] Iflt ePsf] /sd aLdfn]v g+=Pd=P=;L= )!.$.#)!#$ adf]lhdsf] lglh{jg aLdfsf] bfjL e'QmfgL lbnfO{ kfpF ljifosf] ldlt @)%%÷^÷@( sf] lgj]bg kq .

aLdsn] pknAw u/fPsf] kqx?af6 sfo{ ;dfKt eO{ x:tfGt/0f ul/;s]sf] cj:yfnfO{ b[li6ut u/L aLdfn]vsf] Period of cover sf] Joj:Yff cg';f/ x:tfGt/0fsf sf/0f klx/f]sf] Iflt pk/ aLldt s} aLdfn]vdf Insurable Interest gx'Fbf bfjL lbg gldNg] Joxf]/f vf]nL ldlt @@÷(÷!((* df hfgsf/L u/fPsf] Mainlence

Period df 7]s]bf/ :jo+sf] sf/0fn] Iflt geO{ cGo sf/0f -klx/f]_n] Iflt ePsf] eGg] bfjL kqaf6 Pj+ ;e{] k|ltj]bgaf6 v'Ng cfPsf] Joxf]/f ;lxt tt\;DaGwL sfuhft ;d]t ;+nUg ljkIfL aLdssf] ldlt @)%%÷&÷@% sf] kq . cljnDa d]/f] k"j{ lgj]bg bfjL d'tfljs aLdfsf] bfjL e'QmfgL lbnfO{ kfpF eGg] Joxf]/fsf] ldlt @)%%÷(÷#) sf] lgj]bstkm{ lgj]bg . k|:t't bfjLdf sfd ;dfKt e} Complection Certificate ;d]t hf/L e};s]sf] / dd{t ;Def/ ubf{sf] ;dodf dd{t ;Def/ sfo{ u/]sf] sf/0fn] geO{ klx/f]sf] sf/0fn] xfgL–gf]S;fgL ePsf]df aLdf l;4fGtdf cGtlg{lxt aLdfof]Uo lxt (Insurance Interest) 7]sbf/df g/xFbf / dd{t ;Def/ cjlwdf b}jL k|sf]ksf] sf/0fn] x'g uPsf] xfgL–gf]S;fgL 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn] /Iffj/0f gug{] x'Fbf of] bfjLsf] bfloTj c:jLsf/ u/]sf] aLdssf] sfo{nfO{ cGoyf eGg ldNg] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd o; ;ldltdf kg{ cfPsf] lgj]bs w'|j sfsL{sf] ldlt @)%%÷^÷@( sf] lgj]bg vf/]h x'g] 7x5{ eGg] ;d]t Joxf]/fsf] aLdf ;ldltaf6 ldlt @)%%÷!!÷!* df ePsf] lg0f{o . aLdf ;ldltaf6 dnfO{ x/fO{ u/]sf] km};nf lrQ a'em]g ljkIfL lk|ldo/ OG:of]/]G; sDkgL;+usf] Polcy

No.MA/SC-01/4/30134 sf] aLdfn]vdf Complection Certificate hf/L e};s]kl5 ljkIfL lk|ldo/ OG:of]/]G;

sDkgLsf] bfloTj ;dfKt x'G5 eGg] s'/f sxL st} klg pNn]v 5}g . o;/L aLdfn]vdf pNn]v gePsf] Complection Certificate sf] s'/fnfO{ cfwf/ agfO{ unt JofVof u/L ePsf] lg0f{o q'6Lk"0f{ 5 . ljkIfL lk|ldo/ OG:of]/]G; sDkgLaf6 pNn]lvt Iflt ePsf] /sd ?= ?=!),!#,$%(.)^% df bfjL /sd e'QmfgL lbnfO{ kfpF eGg] k'/fj]bs w|'j sfsL{sf] o; cbfntdf k/]sf] k'g/fj]bg kq . o;df lgdf{0f cjlw !)–!)–!((^ b]lv ldlt (–!)–!((& ePsf] / To;kl5 Ps jif{;Dd dd{t cjlw ePsf] ;8s ljefu;+u ePsf] s/f/gfdfsf] sfuh / aLldt -HjfOG6 e]Gr/_ / lk|ldo/ OG:of]/]G; s+= -g]kfn_ ln=;+u ePsf] aLdfn]v ;d]taf6 b]lvG5 . pQm sfuhftx?af6 e'sDk, x'/L atf;, af9L / klx/f]af6 ePsf] bfjL ;DaGwdf klg aLdf ePsf] b]lvg] / pQm 7]Ssfdf lgdf{0f ePsf] ;8s klx/f] ;d]taf6 Iflt ePsf] elg g]kfn Sn]D; Ao"/f]sf] ;e{] k|ltj]bgaf6 b]lvO{ /x]sf] kl/k|]Iodf lgj]bg vf/]h ug{] u/L ePsf] aLdf ;ldltsf] ldlt )%%.!!.!*.# sf] lg0f{o km/s kg{ ;Sg] x'Fbf 5nkmnsf] nflu d'n'sL P]g c=j=@)@ g+= Pj+ k'g/fj]bg cbfnt lgodfjnL, @)$( sf] lgod $& adf]lhd ljkIfL lemsfO{ cfPkl5 jf cjlw gf3]kl5 lgodfg';f/ u/L k]z ug{' eGg] o; cbfntsf] ldlt )%^.%.! sf] cfb]z .

o; cbfntsf] 7x/ lgod adf]lhd b}lgs k]zL ;"lrdf r9L k]z x'g cfPsf] k|:t't d'2fsf] ldl;n cWoog u/L k'g/fj]bs tkm{sf ljåfg clwjQmf >L nIdLk|;fb clwsf/Ln] ;8s ljefusf] tfg;]g l/l8 Kofs]]h g+= # sf] ;8sdf Uofljg 6]jf / kvf{n gfnL ;d]t lgdf{0f ug{] ljifodf ;8s ljefu l;tsf] 7]Ssf ;Demf}tf ePsf] qmddf ljkIfL OG:of]/]G; sDkgL;+usf] ;8ssf] aLdf u/fpFbf aLdf ;DaGwL cjlw @)%#÷^÷@$ -!)–!)–!((^_ b]lv ldlt @)%$÷^÷@# -(–!)–!((&_ ;Dd ;8s lgdf{0f cjlw / To;kl5sf] yk !@ dlxgfsf] cjlw sfod u/L

;Demf}tf ePsf] x'gfn] ;f] cjlwleq af9L klx/f] nufot s'g} klg sf/0f k/L ;8s Iflt ePdf d]/f] kIfn] aLdf ;Demf}tf adf]lhd Iflt jfktsf] aLdf /sd kfpg' kg{] x'G5 . d]/f] kIfaf6 ;8s lgdf{0f ug{] sfd 7]Ssf ;Demf}tf cg';f/ oyf ;dodf ;DkGg ePsf] 5 . lgdf{0f kZrft\ yk !@ dlxgf cjlw leq} @)%% ;fn cfiff9 >fj0fsf] jiff{n] dd{t klx/f] uO{ k'Ug uPsf] Iflt jfktsf] /sd aLdf sDkgLn] aLdf P]g @)$(, sf] bkmf !&

cGtu{t Joxf]g{' kg{] x'G5 . d]/f] kIfn] To; jfkt Extra Premium a'emfPsf] x'gfn] klg bfjLsf] /sd

e'QmfgL lbg' kg{]df aLdf ;ldltn] d]/f] kIfsf] bfjL c:jLsf/ u/]sf] aLdssf] sfo{nfO{ cGoyf eGg gldNg] elg d]/f] kIfsf] ldlt )%%.^.@( sf] lgjbg vf/]h u/]sf] lg0f{o ldn]sf] gx'Fbf ;f] lg0f{o jb/ eO{ d]/f] kIfn] bfjL cg';f/sf] aLdfsf] /sd lbnfOg'' k5{ ;d]t elg jx; ug{' eof] . k|ToyL{ OG:of]/]G; sDkgLtkm{sf ljåfg clwjQmfåo >L dx]Gb| axfb'/ >]i7 / >L k/z'/fd cfrfo{n] lgdf{0fsf]

sfo{ ubf{ 7]s]bf/nfO{ ;'/If0f k|bfg ug{ aLdf ug{] ul/G5 . o:tf] s''/fdf lgdf{0fsf] cjlwsf] vt/f (Risk) aLdfn] lnG5, dd{tsf] cjlwsf] xf]Og . bfjLsf] Iflt lgdf{0f sfo{ ;DkGg eO sfd a'emfO{ ;s]kl5sf] cjlwsf]

Iflt x'gfn] 7]s]bf/n] l/S; (Risk) Joxf]g'{ kg{] x'Fb}g . lgdf{0f sfo{ ;DkGg eO{ ;]jf pknAw ePkl5 afFsL /x]sf]

l/S; eg]sf] 7]s]bf/af6 lgdf{0f cj:yfdf 7]s]bf/af6 eP u/]sf] Defect sf] s'/fdf dfq nfu" x'g] s'/f x'gfn]

af9L klx/f]sf] sf/0faf6 ePsf] Ifltsf] bfloTj aLdf l;4fGt cg';f/ aLdfof]Uo lxt 7]s]bf/df /xg] x'Gg . o;y{ ;ldlt ;dIf ljkIfLn] lbPsf] lgj]bg vf/]h x'g] 7x/ u/]sf] ;ldltsf] lg0f{o sfg"g ;Ddt x'Fbf ;b/ x'g'k5{ elg jx; ug{'eof] . ljåfg\x?af6 k|:t't jx; ;d]t ;'lg aLdf ;ldltn] u/]sf] lg0f{o ldn] gldn]sf] s] xf] < lgj]bs -jfbLsf] k'g/fj]bg lhls/ k'Ug] gk'Ug] s] xf] eGg] g} lg0f{o ug{'kg{] d"n k|Zg /x]sf] b]lvof] ._ o;df lg0f{o tkm{ x]bf{ ;8s ljefu cGtu{tsf] tf;]g–l/8L ;8s Kofs]h g+=# sf] v08 )±))) ls=dL= b]lv !) ±*%) ls=dL=;Ddsf] ;8sdf UofjLg 6]jf / kvf{n lgdf{0f, gfnL lgdf{0f ug{] sfo{ ;d]t ug{ 7]Ssf kfPsf] lgj]bs -jfbL_ n] 7]Ssf ;Demf}tf cg'?k lgdf{0fsf] sfo{ oyf ;do d} ;DkGg u/L Complection

Certificate ;d]t hf/L e};s]sf] s'/fdf ljjfb b]lvGg . lgj]bsn] ljkIfL aLdf sDkgL;+u u/]sf] ;f] ;8s aLdf ;DaGwL ;Demf}tfsf] Period of Insurance Clausedf 09/10/97(B)10/10/1996 to elg To;kl5sf] !@ dlxgfsf] yk cjlw klg pNn]v ePsf] kfOG5 . To; cg';f/ aLdfn]vsf] Period of Cover n] lgdf{0f sfo{ x:tfGt/0f kZrftsf] !@ dlxgfsf] yk cjlwdf b}jL sf/0fn] x'g ;Sg] xfgL–gf]S;fgLsf] (Risk) nfO{ j/0f u5{ ub{}g egL x]g'{ kbf{ ;8ssf] lgdf{0f kIf / ddt{ ;Def/ kIfnfO{ 5'6\ofO{ x]g'{kg{] x'G5 . lgj]bsn] ;8s ljefu;+u 7]Ssf ;Demf}tf ubf{ ;8s lgdf{0f ug{] ;Demf}tf u/]sf] kfOG5 eg] lgdf{0f ug{] sfd 7]Ssf ;Demf}tdf sfd ;DkGg u/L ;Sg' kg{] lgwf{l/t ;dod} lgdf{0f ;DkGg eO;s]sf] / 7]s]bf/n] cfkm'n] ;DkGg u/]sf] sfd ljefunfO{ a'emfO{ Complection Certificate Issue ;d]t e};s]sf] kfOG5 . 7]Ssfsf] sfdsf] Complection Certificate Issue e};s]sf] cj:yf kl5sf] s'/f eg]sf] dd{tsf] cj:yf dfGg'kg{] x'G5 . dd{tsf] cj:yfsf] s'/fdf 7]s]bf/sf] bfloTj eg]sf] lghn] lgdf{0fsf] cj:yfdf eP u/]sf] sfd / lgdf{0f sfo{df k|of]u ePsf] j:t'sf] k|of]u kZrft\ ;fdfGo ?kdf 6'6\g] km''6\g] h:tf sf/0faf6 x'g] / x'g uPsf] Iflt;Dd l;ldt /xg] x'G5 Complection Certificate Issue eP kZrft\sf] cjlwdf To;/L x'g uPsf] xfgL–gf]S;fgLdf 7]s]bf/ jf 7]s]bf/åf/f nufO{Psf] sfd s'/f jf 7]s]bf/sf] lgdf{0f sfo{df k|of]u u/]sf] j:t'sf] k|of]usf] sf/0faf6 xfgL–gf]S;fgL ePsf]df jfx]s lgh 7]s]bf/sf] bfloTj /xG5 eGg aLdf l;4fGtn] klg gldNg] x'G5 . cfkm"n] ;DkGg

u/L a'emfO{ ;s]sf] sfd b}jL k|sf]k k/L af9L klx/f]sf] sf/0fn] xfgL–gf]S;fgL ePsf] s'/fdf 7]s]bf/ lhDd]jf/ x'G5 egL lghdf aLdf of]Uolxt Insurable Interest /x]sf] dfGg / To;/L af9L klx/f]sf] sf/0f k/L x'g uPsf] IfltnfO{ 7]s]bf/sf] ;Dk"0f{ hf]lvd aLdfn] /Iffj/0f ug{ ;S5 eGg gldNg] ePsf]n] lgj]bsn] k|:t't u/]sf] bfjLsf] bfloTj c:jLsf/ u/]sf] aLdssf] sfo{nfO{ cGoyf eGg gldNg] elg jfbL bfjL gk'Ug] elg aLdf ;ldltn] ldlt )%%.!!.!* df aLdf P]g, @)$( sf] bkmf *-3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd ;f] ;ldltdf lgj]bs w'|j sfsL{n] lbPsf] ldlt @)%%÷^÷@( sf] lgj]bg vf/]h ug{] u/]sf] lg0f{o ldn]s} b]lvbf ;b/ x'g] 7x5{ . lgj]bs jfbL l8=P;=sG:6«S;g sDkgL k|f=ln= k[YjL lgdf{0f ;]jf / ;kgf lgdf{0f ;]jf k|f=ln=-HjfOG6 e]Gr/_ sf] k'g/fj]bg lhls/ k'Ug ;Sb}g . ldl;n lgodfg';f/ u/L a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -sjLGb|/fj sfkm\n]_ -dfwj/fh yfkf_ Gofolwz Gofolwz Olt ;Dat\ @)%& ;fn efb| @^ ut] /f]h @ z'ed\===========


dfggLo GofofwLz >L bfdf]b/ k|;fb k|hfklt dfggLo GofofwLz >L jf]w/L /fh kf08]

af6 ePsf] km};nf

;Djt\ @)%^ ;fnsf] b] k'=g+===========================================================$#().%#% O=g+= % sf] lg=g=(^

>L o'gfO{6]8 OG:of]/]G; sDkgL -g]kfn_ ln= d'sfd ltgwf/f kf7zfnf b/af/dfu{, sf7df8f}+sf clVtof/ k|fKt sDkgLsf sfo{sfl/0fL ;Nnfxsf/ k'g/fj]bs s[i0f axfb'/ a:g]t=======================================================================! k|ltjfbL lj?4 ljkIfL >L u|'k $ ;]So"l/tf;, afF;af/L dxf/fhu+h========================================! jfbL

d'2f M– aLdf /sd e'QmfgL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ cg';f/ o;} cbfntsf] clwsf/ If]q leqsf] k|:t't d'2fsf] ;+lIfKt tYo Pj+ lg0f{o o; k|sf/ 5 . sDkgLn] xfd|f] uf8{ l8Ø'6Ldf a;]sf] a]nf p;sf] nfkf/jfxLn] ubf{ s'g} lsl;dsf] xfgL–gf]S;fgL eO{ t];|f] kIfaf6 cfpg ;Sg] bfloTj tyf Ifltk"lt{sf] ;f]wegf{sf] nflu ldlt @@÷)$÷!((* df o"gfO6]8 OG:of]/]G; s+=-

g]kfn_ln=af6 ?=@),)),))).– sf] Third Party Liability Policy No.)!l;=P=cf/)))&.(&.(* lnPsf]df o;

sDkgLsf] uf8{ hL )($ sf >L dgf]h ;'j]bLn] l8o'6Ldf a;]sf] a]nf ldlt @$ h'g !((* sf /ftdf xfd|f]

Client Mr. Peter Rhode GTZ a:g' ePsf] 3/df rf]/L ePsf] . o;/L rf]/L ePkl5 ug{' kg{] cfjZos

k|lqmofx? k'/f u/L o'gfO6]8 OG:of]/]G; s+=-g]kfn_ ln=;+u dfly pNn]lvt aLdf kf]ln;Lsf] cfwf/df /sd bfjL ubf{ pQm aLdf sDkgLn] ;f] aLdfn]v cGtu{t pQm rf]/L /Iffj/0f (cover) gx'g] x'Fbf bfjL /sd lbg gkg{] elg o; u|'k $ ;]So'l/tf; g]kfn -k|f=_ ln=df kq k|fKt ePsf] 5 . t/ xfdLn] To:tf] rf]/L ;d]t /Iffj/0f ug{] aLdfn]v vl/b u/]sf]df To;/L rf]/L ePsf] bfjL /sd glb+bf Client nfO{ dsf{ kg{ uPsf] x'Fbf To;/L rf]/L ePsf] /sd ;DalGwt OG:of]/]G; sDkgLaf6 lbnfO{ lbg] Joj:yfsf] nflu cfjZos ;Dk"0f{ sfuhftx?sf] kmf]6f]skL ;+nUg /fvL lgj]bg k]z ul/Psf] 5 eGg] Joxf]/fsf] ldlt )# cui6 !((* sf] ph'/L lgj]bgsf] Joxf]/f . aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] ;f] :ki6 x'g] lnlvt hfgsf/Lsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft ;d]t of] kq k|fKt ldltn] kGw| -!%_ lbg leq ;ldltdf k]z ug{' x'g aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ adf]lhd ;ldltsf] ldlt @)%%.%.!) sf] kqaf6 aLdsnfO{ lgb{]zg . ;f] bfjL ;DaGwdf kf]ln;L g+=)! l;=P=cf/=)))@.(&.(* / )! l;=P=cf/=)))&.(&.(* cGtu{t t];|f] kIf bfloTjdf b'3{6gfaf6 !_ Body

injury to or illness of any (Third Party) @_ Loss of or damage to property dfq se/ ePsf] / o;df cGo lsl;dsf] aLdf gePsf] / kf6L{sf] rf]/Lsf] aLdf o; aLdf sDkgLaf6 gePsf] x'Fbf t];|f] kIf aLdfdf gcfpg]

ePsf]n] bfjL lbg gldNg] eGg] Joxf]/fsf] ldlt @)%%.%.!$ sf] aLdssf] kq . ;ldltdf k|fKt u|'k $ ;]So"l/tf; -k|f=_ ln=sf] ldlt # cui6 !((* sf] lgj]bg ;DaGwdf To; sDkgLaf6 hf/L ul/Psf t];|f] kIf bfloTj aLdfn]v g+=)! l;=P=cf/=)))@.(&.(* tyf )! l;=P=cf/= )))&.(&.(* cGtu{tsf] bfjL af/] cfjZos sf/jfxL eO{ To; sDkgLaf6 k|fKt k=;+= !(@.(*.(( ldlt )%%.%.!$ sf] kq ;d]tsf] cWoog kZrft pQm aLdfn]v g+= )! l;=P=cf/=)))@.(&.(* / )! l;=P=cf/= )))&.(&.(* sf] aLdf bfjLsf] Ifltk"lt{ e'QmfgL ug{ gkg{] ;DaGwdf cGo sfuh k|df0f ljj/0f eP ;f] ;d]t kq k|fKt ldltn] kGw| -!%_ lbg leq ;ldltdf k]z ug{' x'g aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;"lrt ul/Psf] ;ldltsf] ldlt @)%%.^.@& sf] kqsf] Joxf]/f . t];|f] kIfsf] sfg"gL bfloTjsf] l;4fGt cg';f/ of] ;DalGwt bfjL t];|f] kIf leq klg kg{ gcfPsf] / b'3{6gfsf] sf/0faf6 pNn]lvt cj:yfdf sfg"gL bfloTj ;d]t kg{ gcfPsf] / o:tf]nfO{ t];|f] kIf dfg]/ bfloTj lbg] xf] eg] xfn o; u|'k $ ;]So"l/tf;n] ;'/Iffsf] nflu ub{] cfPsf ;]jf leq rf]/L, 8s}tL tyf gsjhgL, JolQmut lxgfldgf j]OdfgLsf] sf/0faf6 x'g uPsf] Iflt aLdfn]vaf6 jxg u/]sf] 7xg{] xf] eg] w]/}h;f] a}+sx?df tyf clkm; sfof{nox?df ;]jf ub{} cfPsf x'Fbf To:tf a}+s tyf clkm; sfof{nox?n] cfunflu, rf]/L tyf

Bankers Blanket Policy jf sd{rf/L tyf JolQmsf] b'3{6gf tyf a]OdfgLaf6 x'g] xfgL–gf]S;fgLsf] 5'§}

aLdf ul//xg gkg{] b]lvG5 . k;n / Hj]n/L k;ndf ;f] sDkgLn] t];|f] kIfsf] aLdf ub{}df ToxfF rf]/L x'g hfFbf ;f] t];|f] kIf aLdfn]vn] rf]/Lsf] hf]lvd jxg u/]sf] 7xb{}g . t];|f] kIf aLdfn]v sfg"gL bfloTj dfq ePsf] x'Fbf ;DalGwt sfg"gL lgsfoaf6 P]g lgod adf]lhdsf] Dofb leq bfjL u/L sfg"gL bfloTj k|dfl0ft ePkl5 dfq aLdfn]v leq kg{ cfpF5, cfpFb}g eGg] tkm{ kl5 dfq ljrf/ x'Fbf ;f] lbg gkg{] 7x/ eP kl5 dfq aLdfn]v lng]n] ph'/L;Dd ug{ ;Sg] x'Fbf o; ljifodf t];|f] kIf sfg"gL bfloTj ;d]t k|dfl0ft geO{ ;s]sf] cj:yf /x]sf] s'/f ;d]t Wofgfsif{0f u/fpFb5f}+ . t/ aLdfsf] l;4fGt cg';f/ To:tf aLdfn]vx? cfkm}+n] h?/t cg';f/ cnUu} ;DklQsf] ljj/0f vf]nfO{ rf]/Lx?sf] lj?4sf] aLdf u/fPsf]df ;f]sf] sf/0faf6 x'g uPsf] gfS;fgLsf] dfq bfjL x'g ;Sg] cj:yf /x]sf] s'/f ;d]t hfgsf/L u/fpFb5f}+ / ;f] ;DklQsf] ljj/f0f sxfF /x]sf] 5g\ eGg] ;d]t gv'n]sf] / dfl;s ?kdf ljj/0fx? k7fpg' kg{]df ;f] ;d]t gu/]sf]df ;f] 7fpFsf] aLdf jxg u/]sf b]lvb}g . pk/f]Qm n]lvPsf a'Fbfx?af6 ;f] bfjL kg{ gcfpg] s'/f / ;f] Ifltsf] bfjL e'QmfgL ug{ gkg{] s'/f eGg] Joxf]/fsf] aLdssf] ldlt @)%%.&.* sf] kq . o;k|sf/ kmfOn ;+nUg sfuhftsf] cWoogaf6 aLds o'gfO6]8 OG:of]/]G; s+=-g]kfn_ln=åf/f hf/L ul/Psf] aLdfn]v g+=)! l;=P=cf/=)))&.(&.(* cGtu{t @$ h'g !((* sf] /ftdf rf]/L ePsf]df s'g} ljjfb /x]sf] kfOPg . aLldtåf/f ;f] rf]/Lsf] sf/0f ePsf] xflg–gf]S;fgLsf] Ifltk"lt{ dfu ul/Psf] / aLdsn] ;f] rf]/L aLdfn]v cGtu{t /Iffj/0f gu/]sf] x'Fbf Ifltk"lt{sf] bfloTj Joxf]g{' gkg{] hgfO{ OGsf/ u/]sf] cj:yf kfOof] . aLdf ubf{ aLldtåf/f cfkm\gf u|fxs (Clients) sf lhpwg ;'/Iff ug{ cfkm"n] v6fPsf] ;'/IffsdL{ (Guard) sf]

nfk/jfxL (Negligence ) n] s'g} xfgL–gf]S;fgL ePdf ;f] ;d]t ;dflji6 x'g] u/L aLdsn] 7]s]bf/ ;Dk"0f{

hf]lvd aLdf (CAR) cGtu{tsf aLdfn]v hf/L u/]sf] kfOof] . of] aLdf ;'/Iffsf] k|s[ltnfO{ b[li6ut ubf{ aLdsn] hf/L ug{'kg{] vf; lsl;dsf] aLdfn]v hf/L gu/]tf klg 7]s]bf/ ;Dk"0f{ hf]lvd aLdfn]v cGtu{t bfloTj jxg ug{] u/L aLdf hf]lvd :jLsf/ u/]sf] / ;f]xL aLdfn]vsf] ckjfb k|of]u u/L aLdf bfjL c:jLsf/ u/]sf] cj:yf b]lvof] .

aLdfn]v cGtu{t @$ h'g !((* sf] /ftdf rf]/L ePsf] bfjL :jLsf/ u/L aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd bfloTj lgwf{/0f u/L lgj]bs aLldt u|'k $ ;]So"l/tf; k|f=ln=nfO{ Ifltk"lt{ e'QmfgL ug{ aLds o'gfO6]8 OG:of]/]G;nfO{ cfb]z hf/L ul/Psf] z'?sf] lg0f{o . aLdf ;ldltaf6 ePsf] lg0f{o sfg"gsf] k|lts"n /x]sf]n] k'g/fj]bs k|ltjfbLn] aLdf /sd e'QmfgL lbg'kg{] egL u/]sf] lg0f{o jb/ u/L kfpF eGg] ;d]t Joxf]/fsf] k'g/fj]bg kq . o;af6 rf]/L x'g cfPsf] xfgL–gf]S;fgL aLdfn]v leq k/] gk/] ;f] ;DaGwdf 5nkmnsf] lgldQ ljkIfL lemsfO{ lgod adf]lhd k]z ug{' eGg] o; cbfntsf] ldlt )%&.*.! sf] cfb]z .

o; cbfntsf] 7x/ lgod adf]lhd b}lgs d'2f k]zL ;"rLdf r9L k]z ePsf] k|:t't d'2fdf ljkIfL tkm{af6 ljåfg clwaQmf afns[i0f Gof}kfg]n] ax; ub}{ ljkIfL u|'k $ ;]So"l/tf; g]kfn k|f=ln= / k'g/fj]bs o'gfO6]8 OG:of]/]G; s+=-g]kfn_ln= aLr kf]ln;L g+= )! l;=P=cf/= )))&.(&.(* sf] aLdf ;Demf}tf ePsf] / ;g\ !((* h'g @$ tfl/vdf lhl6h]8sf] 8fO/]S6/ >L lk6/ /f]8sf] lgjf;df rf]/Lsf] 36gf eO{ pQm aLdf sDkgLn] pQm rf]/L ePsf] /sd aLldt u|'k $ ;]So"l/6LhnfO{ lbg'kg{] x'Fbf aLdf ;ldltaf6 ldlt @)%%.!!.@#.! df ePsf] lg0f{o ;b/ x'g'kg{] eGg] ;d]tsf] lhls/ k|:t't ug{'eof] . k'g/fj]bs tkm{sf ljåfg\ clwjQmf xl/sfGt bofn' clwsf/Ln] k'g/fj]bg kqdf pNn]lvt lhls/ k|:t't ug{' x'Fb} k'g/fj]bsn] ;f] Ifltk"Lt{ ug{' gkg{] elg jx; ug{'eof] . o;df aLds OG:of]/]G; sDkgLn] aLldt u|'k $ ;]So'l/tf; g]kfn -k|f=_ln=nfO{ Ifltk"lt{ lbg'kg{] u/L ldlt @)%%.!!.@#.! df ePsf] lg0f{o ldn]sf] 5 5}g / k'g/fjj]bg lhls/ k'Ug ;Sg] xf] xf]Og eGg] tkm{ lg0f{o ug{'k/]sf] 5 . o; ;DaGwdf oL k'g/fj]bs / ljkIfL aLr l;=P=cf/= )))&.(&.(* sf] aLdfn]v ;DkGg ePsf] / ;f] aLdfn]v x]bf{ u|'k $ sf] sfdbf/x?n] u/fPsf] xfgLsf] cltl/Qm u|'k $ n] kfnf] kx/f u/]sf] ejg / ;DklQdf xfgL jf Iflt k'u]df To;sf] sfg"gL bfloTj aLdsn] axg ug{] zt{ pNn]v ePsf] kfOG5 . o; aLdfn]vsf] kl/k|]Iodf k|:t't d'2fsf] ldl;n ;+nUg sfuhft x]bf{ u|'k $ ;]So'l/tf;sf] uf8{ lh=)($ sf dgf]h ;'j]bL 8\\o'6Ldf a;]sf] a]nfdf ldlt @$ h'g !((* df /ftL ;f] u|'ksf] JolQm lhl6h]8sf] 8fO/]S6/ lk6/ /f]8 a;]sf] 3/df rf]/L ePsf] tYonfO{ k'g/fj]bsn] OGsf/ u/]sf] kfOPg . ;f] aLdfn]vdf rf]/L eP jfktsf] /sd aLdf ul/Psf] 5}g eGg] ;d]tsf] lhls/ k'g/fj]bg kqdf plNnlvt ePsf] kfOG5 . t/ aLdfn]vdf xfgL (Loss) sf] kl/efiff gul/Psf] / ;fdfGo cy{df o; zAbn] h'g;'s} k|sf/af6 ePsf] xfgL–gf]S;fgLnfO{ klg hgfPsf] ;Demg' kg{] x'Fbf rf]/Lsf] sf/0fn] ePsf] xfgLnfO{ aLdfn]v leq gkg{] eGg ;lsPg . ctM aLds o'gfO6]8 OG:of]/]G; sDkgL -g]kfn_ ln=n] aLldt u|'k $ ;]So'l/tf;, g]kfn -k|f=_ ln=nfO{ Ifltk"lt e'QmfgL ug{' kg{] u/L aLdf ;ldltaf6 ldlt @)%%.!!.@#.! df ePsf] lg0f{o ldn]s} x'Fbf ;b/ x'g] 7x5{ . k'g/fj]bg lhls/ k'Ug ;Sb}g . bfo/Lsf] nut s§f u/L ldl;n lgodfg';f/ u/L a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -bfdf]b/ k|;fb k|hfklt_ -jf]w/L /fh kf08]_ Gofolwz Gofolwz Olt ;Djt\ @)%* ;fn efb| @* ut] /f]h % z'ed\=========


dfggLo Gofoflwz >L Clif/fh hf]zL dfggLo Gofoflwz >L a'4/Tg zfSo

af6 ePsf] km};nf ;Djt\ @)%^ ;fnsf] b] k'=g+===========================================================$$^*.%$ ̂c;s cln/f]8 gofF lbNnL !!)))@ df /lhi6f/ sfof{no /xL xfn sf=lh= sf=d=g=kf= j8f g+=! df ljleGg sfof{no /x]sf] lb cf]l/o06n OG:of]/]G;

k'g/fj]bs sDkgL lnld6]8sf] tkm{af6 P]=sf d]g]h/ /fs]z s'df/===============================! k|ltjfbL

lj?4 sf=lh= k|bzgL dfu{ l:yt jN8 a}+s sDKn]S;df sfof{no /x]sf] aLdf ;ldlt –!

ljkIf P]= P]= sf=d=g=kf=j8f g+= @$ Go"/f]8df cjl:yt cGgk"0f{ 6]S;6fOn k|f=ln=– !=========== jfbL d'2f M– aLdf /sd lbnfO{ kfpF . Gofo k|zf;g P]g, @)$* tyf aLdf P]g, @)$( sf] bkmf #^ / #& cg';f/ o; cbfntdf k'g/fj]bg btf{ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt tYo Pj+ 7x/ o; k|sf/ 5 . lgj]bsn] ldlt @)%$÷@÷@^ ut] cyf{t * d] !((& df pQm Anf+s]6df Kjfn k/]sf] ;f] Kjfn bf];|f] l;km\6 ;+rfng ;doleq Kjfn kfl/lbPsf] b]lvg cfPsf] x'Fbf ;f]sf] hfgsf/L o; sDkgLn] ;dodf g} lb cf]l/o06n OG:of]/]G; sDkgL ln= gfds aLdf sDkgLnfO{ lbPsf] Ifltu|:t l:yltsf] ljj/0f Pj+ kmf]6f] ;d]t k]z u/L cfjZos sfo{ ;d]t eO;s]sf]df xfn;Dd lgj]bsnfO{ aLdf /sd k|fKt gePsf] / clxn] cfP/ clt lgDg k|fKt x'g] eGg] hfgsf/L yfxf x'g cfPsf] x'Fbf of] lgj]bg ug{ cfPsf] 5' . k|ydtM of] lgj]bg ub{5' ls Anf+s]6sf] ;DaGwdf sDkgLn] cfGtl/s 5fgjLg ug{ bf];|f] l;km\6 ;+rfng ;doleq pQm Anf+s]6df Kjfn kfl/Psf] b]lvg cfPsf] x'Fbf ;f] sfo{ hfgL–hfgL ablgotk"j{s bf]ifk"0f{ sfo{n] ubf{ gf]S;fgL ePsf] xf] eGg] b]lvG5 . ;f] sfo{ sDkgLnfO{ hfgsf/L x'g ;s]g . o;/L Anf+s]6 RofltPsf] va/ kfPkl5 ;DalGwt aLdf sDkgLnfO{ va/ u/L pQm Anf+s]6 dd{t ug{ ef/t cxdbfafb l:yt u'h/ft ef]NsgfOlh+u jS;{ sDkgLaf6 t'?Gt} k|fljlwsx? lemsfO{ dd{t ;d]t u/L k'gM d]l;g ;+rfngdf NofPsf] / RofltPsf] Anf+s]6 k'gM k|of]udf NofpFbf :t/Lo lk|lG6Ë ug{ g;Sg] eGg] pQm dd{t ug{] sDkgLsf] egfO{sf ;fy d]lzg lgdf{tf sDkgL ;d]tsf] Anf+s]6 km]g{' kg{] eGg] ;'emfjsf] cfwf/df dfq sf]6]zg dufpFbf Pkm=cf]=lj= d"No :jL; k|mf+s #@,*%)÷– ePsf] elg km\ofS; dfkm{t hfgsf/L kfO ;f] ;dodf pQm k|mf+ssf] ljlgdo b/ g]=?= @),$),*#*÷– -aL; nfv rfln; xhf/ cf7;o c7\tL;_ kg{] eGg] hfgsf/L eof] . o;/L pQm /sd gf]S;fgL ePsf] :ki6 g} b]lv+bf b]lvb} klg aLdf bfjL kmf/fddf lgj]bs sDkgLn] pTkfbg 36fO ;f] ;fdfg cfoft ubf{ nfUg] jf:tljs vr{ ?= !^,@*,%#*.– dfu ul/Psf] ;f] aLdf sDkgLaf6 hDdf aLdf /sd ?= #,(),*%).– lbg] / ;f]sf] nflu ;d]t gofF Anf+s]6 cfoft ;DaGwL ;Ssn OGEjfO; ;fy} k'/fgf] Anf+s]6 ;d]t a'emfPdf lbg] elg lg0f{o u/L ;f] lg0f{o o; lgj]bs sDkgLnfO{ dfGo gx'g] elg # clk|n !((* df aLdf sDkgLnfO{ g} hfgsf/L u/fOof] . pQm aLdf sDkgLn] d

lgj]bs sDkgLnfO{ z'?b]lv g} ablgot /fv]sf] :ki6 g} b]lvg cfpF5, ;fy} aLdf sDkgLn] lgo'Qm ul/Psf] ;e]{o/ Pd s'df/ ;d]tsf] lgot z'?b]lv g} ablgot ePsf] s'/f o;} lgj]bg ;fy k]z ul/Psf] k|df0f sfuhx?af6 ;d]t b]lvG5 . aLdf P]g cg';f/ lgh ;e{]o/nfO{ o; ;ldltdf pkl:yt u/fO{ aofg ;d]t lnO{ sf/jfxL ;d]t ug{'kg{] b]lvG5 . lsgls ;e{] l/kf]6{ 36gfsf] jf:tljstfnfO{ x]/]/ agfpg' kg{] x'G5, t/ o; sDkgL pk/ ;e{]o/n] z'?b]lv g} ablgot /fv]sf eGg] s'/f l/kf]6{sf] lj:t[t cWoogaf6 ;d]t :ki6 g} x'G5 . To:t} u/L k|x/L sfof{nodf lghn] lbPsf] ldlt @)%$÷@÷! sf] lgj]bgaf6 ;d]t :ki6 g} b]lvG5 . ;f]xL l/kf]6{sf] cfwf/df aLdf sDkgLn] u/]sf] lg0f{o xr'jfsf] e/df u/]sf] xf] aLdf sDkgLn] b]vfPsf] z'? s§L s} cfwf/df s§L u/]sf] xf] eGg] s'/f :ki6 lbg g;s]sf] x'Fbf aLdfn]vsf] s'g bkmf cfwf/af6 pQm ¥xf; s§L ul/Psf] xf] ;f] ;d]t v'nfpg ;s]sf] 5}g . pko'{Qm sf/0f Pj+ cfwf/af6 aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## adf]lhd of] lgj]bg k]z u/]sf] 5' . pQm P]g cg';f/ ;e{]o/nfO{ plrt sf/jfxL ;d]t ug{ o;} lgj]bg;fy cg'/f]w ub{5' / lgj]bs sDkgLsf] jf:tljs gf]S;fgL adf]lhd aLdf /sd lbnfO{ kfpF elg of] lgj]bg k]z ub{5' eGg] ;d]t Joxf]/fsf] ldlt @)%%÷@÷@^ sf] lgj]bg . aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] sf/0f v'nfO{ lnlvt hjfkm ;d]t k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ adf]lhd ;ldltsf] ldlt @)%%÷#÷!& sf] kqaf6 lgb{]zg . xfdLn] cGgk"0f{ 6]S;fOnsf d]lzg/Lsf ;fy–;fy} Pp6} a|';/ lk|lG6Ë d]lzg, clUg, r6ØfË, e'sDksf] em6\sfaf6 x'g] Iflt, å]ifk"0f{ sfo{af6 x'g] Iflt OToflbsf] hf]lvd lj?4 ldlt *.&.(^ b]lv *.&.(& ;Ddsf] aLdf u/]sf] . ldlt *÷%÷(& sf lbg pQm a|';/ lk|lG6Ë d]lzg s;}åf/f Iflt ul/Psf] eGg] hfgsf/L aLldtåf/f xfdLnfO{ k|fKt eof] / ;j{]If0f / Ifltsf] d"NofÍg ug{sf nflu ;e{]o/ v6fO{ ;e{] ug{] qmddf pQm Ifltu|:t a|';/ d]lzgsf] Anf+s]6 ( 7fpFdf sfl6Psf] kfOof] ;fy} sf]xL aflx/L JolQmåf/f hfgLhfgL Iflt ul/Psf] xf] eGg] k|dfl0ft ug{ klg uf¥xf] b]lvof] . 5fgljg bf}/fg aLldtn] pQm Ifltsf] nflu cfkm\gf b'O{ sd{rf/Lsf] nfk/afxL ePsf] 7x/ u/]sf kfOof] . -ldlt @)%$÷@÷@# df >L b]jfgGb dxtf] / >L ;Ltf/fd k|;fb sf]O/fnfnfO{ ;Daf]wg ul/Psf] kq x]g{'xf];\_ d]lzg ;+rfngdf aLldtsf] cfkm\g} sd{rf/Lsf] nfk/jfxLsf] sf/0fn] x'g] Iflt o; clUg aLdfn]v cGtu{t hf]lvd jxg gx'g] ;e{]o/n] pQm Iflt ;fwf/0f wear and tear tyf nuftf/ k|of]usf] sf/0faf6 d]lzg k'/fgf] ePsf] sf/0fn] x'g ;Sg] ;Defjgf JoQm u/]sf] . cem}+;Dd å]ifk"0f{ sfo{ elg k|x/Låf/f k|dfl0ft klg ePsf] 5}g . ;Dk"0f{ s'/f lgofNbf pQm Iflt d]lzg/L a|]s 8fpgaf6 ePsf] b]lvG5 . h'g clUg aLdfsf] If]q eGbf aflx/sf] s'/f xf] . xfdL;+u aLldtsf] sf/vfgfsf] ldlt @)÷%÷(& sf] kq -Pg]S;–@_ pknAw 5 h;df sf/vfgf Joj:yfksn] sDkgLsf] cWoIfnfO{ pQm Iflt Ps d]lzg a|]s 8fpg Iflt elg pNn]v ul/Psf] 5 . ljz]if ljifo ;DemL z+sfsf] nfe aLldtnfO{ ;e{]o/sf] d"NofÍgsf] cfwf/df lgDgfg';f/ bfjL km5Øf}{+6 cfu|x u¥of] . Anf+s]6 k|lt:yfkg d"No g]=?= !#,)@,*#!.– /j/sf] j:t' x'Fbf ¥xf;s§f %) Ü g]=?= ^,%!,$!%.– hDdf g]=?= ^,%!,$!%.– s§f $) Ü (Under insurance) g]=?= @,^),%^^.– k|lt:yfkgsf] cfwf/df s"n e'QmfgL of]Uo /sd g]=?=#,(),*%).–

Under Insurance ;Gbe{df ldlt @!÷!@÷(& sf] kqåf/f aLldtnfO{ v/Lb ljhs /l;b ;fy;fy} cGo cfjZos sfuhft h:t} pQm d]lzgsf] Iflt ldltsf] n]G8]8 k|fO; lkmu/ (Landed Price Figure) dfq ul/Psf] . ;e{]o/n] pQm sfuhftx? l8;]Da/ (& leq gkfPsf] x'Fbf :yfgLo ;f]wk'5sf] cfwf/df %) k|ltzt cG8/ OG:of]/]G; hf]lvd d"No lgwf{/0f ug{ jfWo ePsf] s'/f klg pNn]v u/]sf 5g\ . o; kqsf] hjfkmdf aLldtåf/f ;e{]o/nfO{ pTkfbsn] pQm Iflt eP adf]lhdsf] a|';/ lk|lG6Ë d]lzg cGo gag]sf] / ;e{]o/nfO{ :yfgLo ;f]wk'5sf] cfwf/df k|ltj]bg tof/ ug{ cg'/f]w ul/of] . ;f]xL cg'?k g} ;e{]o/åf/f $) k|ltzt cG8/ OG:of]/]G; /sd lgwf{/0f ul/of] h'g xfdL klg ;xL 7fG5f}+ . o; cl3 d"NofÍgdf ePsf] d]lzgsf] k|lt:yfkg d"Nodf oftfoft vr{, lSnol/Ë / eG;f/ vr{ cflb hf]8]/ x'g cfpg] /sddf cG8/ OG:of]/]G; nufpg' kg{] x'G5, t/ xfdLn] pQm cltl/Qm vr{x? hf]8]sf] 5}gf} . oBkL bfjL km6Øf}{6 k|lt:yfkgsf] cfwf/df ePsf] x'gfn] xfdLn] aLldt ;dIf Ifltu|:t Anf+s]6 xfdLnfO{ k7fpg cg'/f]w uof{} t/ aLldtn] c:jLsf/ u¥of] . o;af6 ;xL ?kdf s] yfx x'g cfpF5 eg] aLldtn] Ifltu|:t Anf+s]6sf] ;§f gofF Anf+s]6 k|lt:yfkg u/]sf] 5}g . h'g s'/fsf] k|dfl0ft ;e{]o/åf/f ldlt !#÷%÷(* sf lbg u/]sf crfgs e|d0faf6 klg eO;s]sf] 5 . pQm ;dodf Ifltu|:t Anf+s]6nfO{ g} dd{t ;Def/ u/L rnfO{ /x]sf] kfOPsf] lyof] . km\ofS6«L /]s8{af6 klg of] b]lvg cfpF5 ls pQm Anf+s]6 ldlt !#÷%÷(& df g} rfn' ePsf] xf] . pQm bfjL c;fGble{s 5 lsg ls aLldtåf/f d]lzgsf] dd{t dfq ul/Pg aNsL dd{t kl5 k|of]u klg ul/;s]sf] 5 . kl5Nnf] !! jif{b]lv d]lzg k"0f{?kdf rln/x]sf] o; kl/l:yltdf ;e{]o/n] u/]sf] dd{t cfwf/sf] d"NofÍg cg';f/ xfdL dd{t cfwf/df g} bfjL km5Øf}{6 ug{ ;S5f}+ . ToxfFn] dfu u/] adf]lhd ;Dk"0f{ cfjZos sfuhftx? o;};fy ;+nUg ul/Psf 5g\ elg ldlt @)%%÷#÷@) sf] aLdssf] kqsf] Joxf]/f . lgj]bs cGgk"0f{ 6]S;6fon ln=sf] ldlt @)%$÷@÷@^ -* d] !((&_ sf lbg ePsf] a|';/ gf]S;fgL ;DaGwdf To; sDkgLn] /a/sf] j:t' ePsf] x'Fbf %) k|ltzt ¥xf;s§L u/]sf] af/] aLdfn]vsf] s] s'g zt{ tyf ;'ljwf cGtu{t pQm ¥xf;s§L ul/Psf] xf] ;f] :ki6 kfg{'sf ;fy} pQm aLdf bfjLsf] Ifltk"lt{ e'QmfgL lgj]bssf] dfu adf]lhd lsg ug{' gkg{] xf] < ;f] ;DaGwdf cGo ljj/0f tyf sfuhft eP ;f] ;d]t ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd ;ldltsf] ldlt @)%%÷$÷!# sf] kqaf6 aLdsnfO{ lgb{]zg . pQm a|';/ lk|lG6Ë d]lzg ;g\ !(*& b]lv k|of]udf cfPsf] / bz jif{;Dd nuftf/ k|of]udf /x]sf] pQm ;+j]bglzn d]lzg ¥xf; s§f %) k|ltzt eGbf a9L x'g'kb{5 . t}klg ;e{]o/åf/f %) k|ltzt dfq ¥xf; s§f nfu" ul/Psf] . Pp6f :jtGq d"NofÍgstf{sf] ?kdf s'g} klg ;e{]o/n] Anf+s]6 ag]sf] ldlt / To; cj:yfsf] k|ToIf lg/LIf0f u/L pko'Qm ¥xf;s§f lgwf{/0f ug{ ;S5 . aLldt :jo+n] sfdbf/sf] nfk/afxLåf/f a|]s 8fpg Iflt ePsf] :jLsf/ u/]sf] h'gs'/f s'g} klg clUg aLdfn]vsf] bfo/fleq gkg{] x'Fbf ;f] Ifltsf] k|s[ltdf klg dtfGt/ /x]sf] . tL ;a} q'6Lsf afah'b klg xfdLn] Pp6f dxTjk"0f{ bfjL dfgL aLldtnfO{ ;f}xfb{| ?kdf ?=#,(),*%).– :jLsfg{ cfu|x u/]sf]df aLldtåf/f c:jLs[t ePsf] x'Fbf ca pQm Iflt k|fljlws ?kdf dd{t Ifltsf] cfwf/ -Repairing loss basis_ df km6Øf}{6 ul/g]5 . aLdfn]vsf] cfwf/e"t zt{ pNn+3g u/L cGofof]lrt ?kdf k};f gi6 x'gaf6 hf]ufpg Ps aLdssf] ?kdf xfdL ;Ddflgt ;ldltk|lt ljgd| cg'/f]w ub{5f}+ . o; ;Gbe{df ToxfFsf] dxTjk"0f{ ;'emfjsf] k|ltIffdf 5f}+ eGg] ldlt %÷*÷!((* sf] aLdssf] kqsf] Joxf]/f .

;ldltdf k|fKt ph'/L lgj]bg pk/ cfjZos sf/jfxL eO{ aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=sf]] ldlt %÷*÷!((* sf] kq tyf ;+nUg sfuhft ;d]tsf] cWoogaf6 a|';/ lk|lG6Ë d]lzg O=;+=!(*& ;fndf :yfkgf u/]sf] eGg] b]lvg cfPsf]n] pQm d]lzgsf] Ifltu|:t Anf+s]6 ;f]xL ;dob]lv rfn' /x]sf] xf] jf km]l/Psf] eP ;f] km]l/Psf] ldlt / k'li6 ug{] cflwsfl/s sfuh kq -Invoice ;d]t_ ;ldltdf k]z ug{ ldlt @)%%÷%÷!) sf] kqåf/f lgj]bsnfO{ lgb{]zg . pNn]lvt lk|lG6Ë Anf+s]6 d]lzgdf h8fg eO{ cfPsf] cf]lh{gn Anf+s]6 g} x'g\ . pQm Anf+s]6sf] cfo' tLg l;km\6 ;+rfngdf Go"gtd @% jif{;Dd x'g] Joxf]/f hfgsf/Lsf] nflu cg'/f]w 5 eGg] ldlt @)%%÷%÷@! sf] lgj]bssf] kqsf] Joxf]/f . ;ldltdf k|fKt kmfOn ;+nUg sfuhftsf] cWoog kZrft pQm bfjL ;DaGwdf cGo ljj/0f tyf sfuhft eP ;f] ;d]t ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ adf]lhd ldlt @)%%÷^÷@ sf] ;ldltsf] kqåf/f aLdsnfO{ lgb{]zg . pNn]lvt lk|lG6Ë Anf+s]6 o; pBf]udf @&÷)^÷!((* df h8fg ul/Psf] a|';/ lk|lG6Ë d]lzgdf g} h8fg e} cfPsf] cf]l/lhgn Anf+s]6 g} xf] . pQm Anf+s]6sf] nDafO{, rf}8fO{, df]6fO / tf}n qmdzM $# ld6/, @ ld6/, # ldlnld6/ / #!) s]=hL= ePsf] kfOG5 . of] Anf+s]6 clt g} alnof] ePsf]n] ;fwf/0f rf}la; 306f ;+rfngdf Kjfn kg]{, Rofltg] jf v/fa x'g] s'g} ;Defjgf g} 5}g . ;f] lk|lG6Ë sfo{sf] :t/Lotf Anf+s]6df g} e/kg{] ePsf]n] oL Anf+s]6sf] agfj6 clt g} dha't ul/Psf] x'G5 . lgdf{tf sDkgLaf6 k|fKt km\ofS; hfgsf/L cg';f/ Anf+s]6nfO{ rf}la;} 306f k|of]u u/]tfklg o; Anf+s]6sf] cfo' !) jif{ eGbf klg a9L cyf{t Go"gtd *&,^)) 306f;Dd ljgf s'g} v/faL k|of]u x'g] s'/f b]lvG5 . lk|lG6Ë d]lzg slt 306f ;+rfng eof] eGg] s'/f pQm d]lzgdf h8fg ul/Psf] ld6/df /]s8{ x'g] u/]sf]n] o; pBf]usf] lk|lG6Ë d]lzg h8fg ePsf] ;dob]lv otf $÷(÷!((* ;Dd hDdf $@,^*$ 306f dfq ;+rfng ePsf] b]lvPsf] x'Fbf olb pQm Anf+s]6 v/fj gePsf] eP o; pBf]usf] pTkfbg sfo{ cg';f/ csf{] !@ b]lv !% jif{;Dd ljgf s'g} v/fjL /fd|/L k|of]udf Nofpg ;lsGYof] . xfn pQm Ifltu|:t Anf+s]6 dd{t u/L k|of]u u/]tf klg :t/Lo lk|lG6Ë sfo{ x'g g;lsg] ePsf]n] ;f] km]g{' afx]s csf{] ljsNk gePsf] x'Fbf ;f]xL adf]lhd g} aLdf sDkgLdf bfjL k]z ul/Psf] . ldlt !^÷%÷!((& df k|fKt k|f]km/df OGEjfO; cg';f/ pQm Anf+s]6sf] pkm=cf]=jL= d"No :jL; k|mf+s #@,*%).– ePsf]n] aLdf sDkgLdf bfjL k]z ul/Psf] ldltdf sfod /x]sf ljlgdo b/ cg';f/ ?=!#,)@,*#!.– / b'jfgL lSnol/+u, eG;f/ dxz'n cflb u/L pQm d"Nosf] @% k|ltztn] x'g] /sd ?=#,@%,&)&.– ;d]t hf]8L hDdf ?= !^,@*,%#*.– sf] bfjL k]z ul/Psf] . xfn pQm d"No Ps jif{ eGbf k'/fgf] e};s]sf] / ljlgdo b/ ;d]t km/s ePsf]n] gofF l;=cfO{=Pkm= k|f]km/df / h8fg vr{ cflb Oli6d]6sf] nflu lgdf{tf sDkgLdf n]lv k7fOPsf] 5 . ;f] goFf k|f]km/df k|fKt x'gf;fy cfjZos sf/jfxL ug{ To; ;ldltdf k]z ug{]5f}+ . xfn ;f] Ifltu|:t ANf+s]6nfO{ ef/taf6 k6s–k6s k|fljlw1x? af]nfO{ dd{t u/L d]lzg ;+rfng ul/P tfklg :t/Lo lk|lG6Ë sfo{ x'g g;s]sf]n] pQm Anf+s]6 t'?Gt km]g{' kg{] lgdf{tf sDkgLsf] egfO{5 . w]/} 7fpFdf Kjfn k/L dd{t ul/Psf]n] Thermo Plast Glue sf] bf]Aa/ vr{ e} lgSs} cfly{s gf]S;fgL x'g'sf] ;fy} pTkfbgdf ;d]t ¥xf; cfPsf] xF'bf pQm Anf+s]6 oyflz3| km]g{' kg{] ePsf]n] k|f]km/df OGEjfO; ;f]xL adf]lhd lemsfOPsf] Joxf]/f cg'/f]w 5 . pk/f]Qm a'Fbfx? nufot To; ;ldltdf k]z u/]sf] o; pBf]usf] lgj]bg dfly ;xfg'e"lt k"j{s ljrf/ e} pk/f]Qm pNn]lvt Anf+s]6 cfoft nufot h8fg (Landed Price+ Erectrion Charges) ;DaGwL nfUg] ;Dk"0f{ vr{ ;f] aLdf sDkgLaf6 cljnDa e/fO{ kfpg ;ljgo cg'/f]w 5 eGg] aLldtsf] ldlt @)%%÷^÷@! sf] kqsf] Joxf]/f . d]lzg lgdf{tf sDkgLaf6 Anf+s]6sf] l;=cfO{=Pkm= sf7df8f}+ d"No / ;f] Anf+s]6 h8fg ubf{ nfUg] vr{ ;DaGwL lgDg adf]lhd k|f]km/df OGEjfO; k|fKt ePsf]n] cfjZos sf/jfxLsf] nflu o;} kq;fy k7fPsf] Joxf]/f cg'/f]w 5 . -s_ lk|lG6Ë Anf+s]6 l;=cfO{=Pkm+ sf7df8f}+ Pc/ k|m]6 :jL; k|mf+s ?=#),%().–

-v_ h8fg vr{ ?!#,(^).– -u_ b}lgs eQf !) lbg c=ª ?=^%).– cfhsf] ldltsf] ljlgdo b/n] hDdf ?=@#,)@,(*^.– -3_ lk|lG6Ë Anf+s]6 cfoft ubf{ nfUg] vr{ != eG;f/ % k|ltzt ?= &&,%^!.– @= d'=c=s= !) k|ltzt ?=!,^@,*&&.– #= a}+s sldzg / lSnol/+u –NoflG8Ë d"Nodf_ % k|ltzt ?= *(,%*@.– $= h8fg vr{df d"=c=s= ?= &),&(!.– pk/f]Qm k|f]km/df OGEjfO; adf]lhd pNn]lvt Anf+s]6 cfoft u/L h8fg ;d]t ubf{ hDdf ?= @&,)#,&#&.– nfUg] b]lvPsf]n] ;f]xL adf]lhd g} aLdf sDkgLaf6 oyflz3| e/fpg] cfjZos Joj:yfsf] nflu ;ljgo cg'/f]w 5 eGg] aLldtsf] ldlt @)%%÷&÷!% sf] kq . o; k|sf/ ldl;n ;+nUg sfuhft cWoogaf6 aLdf ul/Psf] a|';/ lk|lG6Ë d]lzgsf] Anf+s]6 (Blanket) aLdf cjlw leq} Iflt ePsf]df aLdsn] ;e{] k|ltj]bg cg'?k k|lt:yfkg d"Nosf] cfwf/ (replacement value basis) df bfjL km5Øf}{6 ug{ Anf+s]6 k|lt:yfkg d"No ?=!#,)@,*#!.– sfod u/L aLdfn]v adf]lhd /j/sf] ;fdfg (Rubber part ) jfkt ¥xf;s§L %) k|ltzt ubf{ ?= ^,%!,$!%.– 36fO{ afFsL x'g cfPsf] ?= ^,%!,$!%.– df kof{Kt aLdf gePsf] (under insurance) $) k|ltzt ?=@,^),*%).– s§f u/L k|lt:yfkgsf] cfwf/ (replacement

basis) df e'QmfgL of]Uo /sd ?=#,(),*%).– e'QmfgL ug{ dGh'/ u/L ;f] jfkt aLldtn] pQm Ifltu|:t ;fdfgsf] ;Ssn OGEjfO; (original Invoice/bills) / Ifltu|:t ;fdfg a'emfpg' kg{] pNn]v u/L kq k7fPsf]df aLdssf] pQm lg0f{o lrQ ga'em]sf] elg Iflt jfkt ?= !^,@*,%#*.– bfjL e'QmfgL kfpg' kg{] aLldt lgj]bssf] dfu /x]sf] b]lvof] . o;/L bfjLsf] Ifltk"lt{ /sddf ljjfb pTkGg ePkl5 k/]sf] pQm lgj]bssf] ph'/L pk/ sf/jfxL eO{ aLds tyf aLldt lgj]bsaf6 k|fKt x'g cfPsf] sfuhft k|df0f tkm{ x]bf{ pQm Iflt ljå]ifk"0f{ sfo{åf/f ePsf] k|x/Låf/f k|dfl0ft gePsf] Iflt d]lzg/L a|]s 8fpgaf6 ePsf], nuftf/ k|of]u wear and tear sf] sf/0f x'g ;Sg] ;Defjgf ;e{]o/n] JoQm u/]sf] pNn]v ub{} z+sfsf] nfe aLldtnfO{ lbb}+ ;e{]o/sf] d"NofÍg cfwf/df pk/f]Qm adf]lhd ?=#,(),*%).– e'QmfgL ug{ u/]sf] b]lvG5 eg] ph'/L sf/jfxL s} qmddf :jtGq d"NofÍgstf{sf] ?kdf s'g} klg ;e{]o/n] Anf+s]6 ag]sf] ldlt / To;sf] cj:yfsf] k|ToIf lg/LIf0f u/L pko'Qm ¥xf;s§f lgwf{/0f ug{ ;S5, nfdf] ;dob]lv k|of]udf /xL cfPsf] pQm Anf+s]6 k"0f{ Iflt e'QmfgL x'g] cj:yfdf lyPg, aLldt :jo+n] sfdbf/sf] nfk/jfxLåf/f a|]s 8fpg Iflt ePsf] :jLsf/ u/]sf, tL ;a q'6Lsf afjh'b Pp6f dxTjk"0f{ bfjL dflg aLldtnfO{ ;f}xfb|{ ?kdf ?k}+of :jLsfg{ cfu|x u/]sf] aLldtåf/f c:jLs[t ePsf] x'Fbf pQm Iflt k|fljlws ?kdf dd{t Ifltsf] cfwf/ (repariring loss basis) df km5Øf}{6 ug{] eGg] aLds tkm{sf] egfO{ /x]sf] / pQm Iflt ePsf] Anf+s]6 rf}la; 306f nuftf/ rnfpFbf !) jif{ -*&,^)) 306f_ rNg]df $÷(÷!((* ;Dd hDdf $@,^*$ 306f dfq rn]sf], :t/Lo lk|lG6Ë gu/]sf]n] / gofF Anf+s]6 k|lt:yfkg ub{ xfn ?=@&,)#,&#&.– nfUg] ePsf]n] ;f]xL adf]lhd /sd Ifltk"lt{ kfpF eGg] aLldt lgj]bssf] dfu /x]sf] . k|lt:yfkg d"Nosf] cfwf/df aLdf ul/Psf] / ;e{]o/n] 9'jfgL nufot vr{ hf]8L sfod u/]sf] d"Nof+lst /sd / lgj]bssf] dfu adf]lhdsf] /sdsf] c+z ;dfg ePsf] cj:yfdf aLdfn]v aLldtL ¥xf;s§f tyf kof{Kt aLdf gePsf] egL s§f ul/Psf] /sdnfO{ dfGotf lbg ldNg] b]lvPg . of] bfjLsf] bfloTj aLdsn] :jLsf/ ug{'kg{] b]lvPsf]n] aLldtn] pQm Ifltu|:t Anf+s]6 aLds ;dIf a'emfpg] u/L csf{] Anf+s]6 k|lt:yfkg afktsf] /sd ?=!^,@*%#*.– aLldt lgj]bs cGgk"0f{ 6]S;6fOn lnld6]8nfO{ e'QmfgL ug{' egL aLds lb cf]l/o06n OG:of]/]G; sDkgL ln=nfO{ cfb]z ul/G5 eGg] aLdf ;ldltsf] lg0f{o . z'? lg0f{odf lrQ a'em]g . k|:t't ljjfbsf] lg0f{o ug{] lgsfo aLdf ;ldlt ge} dWo:y xf] s/f/sf] a'Fbf g+= !* df s/f/df ljjfb p7]df dWo:y ;dIf k]z ul/g] 5 eGg] ;d]t pNn]v ePaf6 aLdf ;ldltnfO{ If]qflwsf/

5}g . ;f] If]qflwsf/ ;d]tsf] cefjdf ePsf] z'? lg0f{o sfg"g ljkl/t ePsf]n] jb/ u/L OG;fkm kfpF eGg] ;d]tsf] k'g/fj]bg lhls/ . o;df aLdfn]v ;+nUg aLdfsf zt{x?sf] zt{ g+= !* df xfgL–gf]S;fgLsf] /sdsf] ;DaGwdf dte]b p7]df lg0f{ofy{ dWo:y ;dIf k]z ul/g] s'/f pNn]v ePsf]df ;f] zt{ tkm{ sf/jfxL u/]sf] gb]lvPsf] kl/k|]Iodf ;ldltsf] lg0f{o km/s kg{ ;Sg] b]lvPsf]n] c=j= @)@ g+= tyf k'g/fj]bg cbfnt lgodfjnL, )$* sf] lgod $& adf]lhd ljkIfL lemsfO{ lgodfg';f/ k]z ug{' egL ldlt )%^.*.@) df o; cbfntaf6 ePsf] cfb]z .

7x/ lgod adf]lhd b}lgs d'2f k]zL ;"rLdf ;dfj]z e} cfh o; Ohnfz ;dIf k]z x'g cfPsf] k|:t't d'2fdf k'g/fj]bssf] tkm{af6 pkl:yt ljåfg\ clwjQmf >L e/t/fh pk|]tLn] k|:t't ljjfb x]g{] clwsf/ aLdf ;ldltnfO{ 5}g . aLdf zt{sf] !* g+= adf]lhd k|:t't ljjfbdf dWo:y lgo'lQm ug{'kg{] x'G5 . t;y{ dWo:y lgo'lQm gu/L ePsf] lg0f{o ldn]sf] 5}g egL / k|ToyL{ aLdf ;ldltsf] tkm{af6 pkl:yt ljåfg\ clwjQmf >L ab|Lgfy zdf{n] aLdf ;ldltsf] clwsf/ g} ;Lldt u/L ePsf] s/f/sf] zt{ sfg"g ljkl/t x'Fbf ;f] nfu" x'g] xf]Og egL tyf k|ToyL{ cGgk"0f{ 6]S;6fOnsf] tkm{af6 pkl:yt ljåfg clwjQmfåo >L gf/fo0f jNne kGt / ch'{g sF8]nn] k|:t't ljjfbdf Replacement Value sf] ljifodf aLdf ePsf] / o;df /sdsf] eGbf gf]S;fg ePsf] Anf+s]6 k'g{:yfkg ug{] dfu / ;f]sf] k|rlnt d"Nosf] ;Dd s'/f] xf] cyf{t oxfF /sdeGbf gf]S;fg ePsf] ;fdfgsf] k|lt:yfkgsf] s'/f x'Fbf /sddf tndfly 36La9L eGg] s'/f gxF'bf o:tf]df ;f] aLdf zt{sf] g+= !* nfu" x'g] xf]Og . ctM aLdf ;ldltaf6 ePsf] lg0f{o ldn]sf] x'Fbf ;b/ x'g'kg{] egL ug{' ePsf] jx; lhls/ ;'gL ldl;n cWoog ubf{ z'? aLdf ;ldltaf6 ePsf] lg0f{o ldn] gldn]sf] tkm{ lg0f{o lbg'kg{] x'g cfof] . o;df @# d] !((& df cGgk"0f{ 6]S;6fOnn] aLdf sDkgLnfO{ n]v]sf] kqdf /sdsf] bfjf u/]sf]] / !^ ;]K6]Da/ !((& df k'gM n]v]sf] kqdf Anf+s]6 k'g{:yfkgf ug{sf] nflu cg'/f]w u/]sf] . kl5 cfP/ ;dfg Replace x'Fbf / ubf{ slt /sd nfUg] eGg];Dd s'/fdf ljjfb cfO{ /sd lb cf]l/oG6n OG:of]/]G; sDkgL ln= / cGgk"0f{ 6]S6fon aLrdf ljjfb cfPsf] o; l:yltdf Replacement OG;'/]G;sf] s'/fdf Replacement dfu ePsf]df /sdsf] ;DaGwdf kl5 l;lh{t ljjfbaf6 /sd 36La9L ePsf] egL To:tf]nfO{ aLdf zt{sf] !* g+= adf]lhd dWo:y lgo'lQm e} ljjfbsf] lgK6f/f x'g'kg{] egL dfGg Psftkm{ ldNb}g eg] csf{] tkm{ ;ldltn] k|lt:yfkg d"Nos} cfwf/df ul/Psf] aLdfsf] cfwf/df k|lt:yfkg cg'?ks} /sd lbnfpg] u/L ul/Psf] aLdf ;ldltsf] ldlt @)%%.!@.! sf] lg0f{o k|lt:yfkg lagfsf] xsdf k|lt:yfkg d"Nosf] cfwf/df u/]sf] x'Fbf d'gflzj b]lvg cfpFbf ;b/ x'g] 7x5{ . k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;Sb}g . bfo/Lsf] nut s§f u/L ldl;n lgodfg';f/ a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -a'4/Tg zfSo_ -s[lif/fh hf]zL_ Gofolwz Gofolwz Olt ;Djt\ @)%* ;fn cflZjg !% ut] /f]h z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L Go" dfdf vfhf pBf]u, = >L PnfOG; OG:of]/]G; sDkgL lnld6]8 sfhL s'~h, gofF ahf/, sf7df8f}+ . b/af/dfu{, sf7df8f}+ .

d'2f M– ;fd'lb|s aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != PnfOG; OG:of]/]G; sDkgLsf] kf]nL;L g+= )%^÷Pd6L !$(÷)%& cGtu{t o"=P;=8n/ @)%(÷#$ sf] Sn]d ;DaGwL ;Dk"0f{ sfuhkqx? ;+nUg u/L pQm Sn]d oyflz3| km5of}{6 ul/lbg' x'g eGg] Joxf]/fsf] Go" dfdf vfhf pBf]usf] ldlt )%&÷^÷( sf] lgj]bg . @= pQm bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tT;DaGwL ;Dk"0f{ sfuh tyf ljj/0f ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds PnfOG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%&÷&÷@ sf] kqaf6 lgb{]zg . #= pQm pBf]un] ldlt @%÷)(÷)%^ df u/sf] bfjL cg';f/ dn]l;ofb]lv snsQf x'Fb} sf7df8f}+;Dd $)) Aofu cf}Bf]lus sRrf kbfy{ (SEIA Pellets) dufPsf]df !@% Aofu ;fdfg sd tyf x/fPsf] cj:yfdf k|fKt ePsf] egL bfjL dfu u/] kZrft >L e'if0f k|;fb v/]nnfO{ ;e{] ug{ lgo'Qm ul/Psf]df ;e{]o/n] pQm pBf]usf] sf7df8f}+ l:yt uf]bfddf ;e{] ul/Psf] / ;e{]sf] k|ltj]bg ;fy o"=P;=8n/ @)%(.#$ sf] bfjL dfu ul/Psf]df bfjL kmf/fd ebf{ jL/u+hb]lv sf7df8f}+;Dd 9'jfgL ubf{sf] aLrdf Iflt ePsf] egL bfjL kmf/fd e/]sf] . pQm pBf]un] jL/u+hb]lv sf7df8f}+;Dd 9'jfgL ubf{ ;fdfg Iflt ePsf] jf x/fPsf] elg bfjL dfu ul/Psf]df !–*–@))) sf] kq cg';f/ snsQfb]lv /S;f}n;Dd ;fdfg 9'jfgL ug{] dx]z /f]8 Sofl/o;{nfO{ bfjL u/]sf] k|ltlnlk k]z u/]sf] hjls o; sDkgLn] Tof] eGbf klxnf g} bfjL gkfpg] lg0f{o u/L kq ;d]t k7fO;s]sf] lyof] . Sofl/o;{sf] hjfkmsf] ;Ssn k|lt k]z ug{] g;s]sf] . ;6{]h 8fod]h ;l6{lkms]6 kmf]6f]skL k]z u/]sf] . o; sDkgLaf6 !^÷)&÷@))) df bfjL /2 u/]sf] ;"rgf kqåf/f k7fO;s]kl5 !÷*÷@))) df ef/tLo 9'jfgL ;]jfnfO{ bfjL u/]sf] kq k7fPsf] . snsQfdf u/]sf] >L h]=eL=jf]8f ;e{]o/ k|f=ln=sf] lk|= l8:Kofr ;e{] gldNbf] b]lvPsf] . ef/tdf 9'jfgL ;]jfnfO{ ^ dlxgf leq bfjL ug{' kg{]df pQm ;do leq bfjL gu/L o; sDkgLsf] 9'jfgL ;]jfaf6 /sd k|fKt ug{] sfg"gL clwsf/ xgg u/]sf] . pk/f]Qm sf/0fn] ubf{ o; sDkgLaf6 bfjL km5of{}6 ug{ c;dy{ ePsf] kq k7fPsf] eGg] aLds PnfOG; OG:of]/]G; sDkgL ln=sf] ldlt @)%&÷&÷#) sf] lnlvt hjfkm . $= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{' gkg{] cGo s'g} sfuh k|df0f jf ljj/0f eP ;f] ;d]t lnlvt hjfkmsf ;fy & -;ft_ lbgleq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLds PnfOG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%&÷!!÷!@ sf] kqaf6 lgb{]zg . %= pQm aLdf bfjL ph'/L ;DaGwL cGo cfjZos sfuh k|df0f tyf ljj/0f ;d]t lnlvt hjfkmsf ;fy ;ft-&_ lbg leq k]z ug{ lgj]bsnfO{ ;ldltsf] ldlt @)%&÷!!÷!& sf] kqaf6 lgb{]zg .

^= o; pBf]uaf6 aLds PnfOG; OG:of]/]G; sDkgL ln=n] kf]ln;L g+= )%÷Pdl6÷!$(÷)%& cGtu{t o"=P;=8n/ @)%(÷#$ sf] aLdf bfjL km5of{}6 gul/lbPsf] ;Gbe{df ldlt @)%&÷^÷!) df To; aLdf ;ldltdf aLdf bfjL lbnfO{ kfpg lbPsf] lgj]bg ;fy g} ;Dk"0f{ cfjZos sfuhkqx? ;+nUg u/L k]z u/L ;s]sf5f} . o; pBf]un] aLds sDkgLdf aLdf bfjL ubf{ ;Ssn k|df0f sfuhftx? tyf cfjZos k|df0f sfuhftx? k]z ul/;s]sf] x'Fbf / To; ;ldltaf6 pQm k|df0f sfuhftx? ;lxtsf] ldl;n dfu eO{ pQm ldl;n ;+nUg sfuhftx? To; ;ldltdf k|:t't eO;s]sf] x'Fbf o; pBf]usf] pk/f]Qm aLdf bfjL oyflz3| km5\of}{6 u/L kfpF eGg] Go" dfdf vfhf pBf]usf] ldlt @)%&÷!!÷!& sf] lnlvt hjfkm . &= pQm pBf]un] ldlt @%÷(÷)%^ -)(.!.@)))_ df bfjL dfu u/] adf]lhd dn]l;ofb]lv snsQf x'Fb} sf7df8f}+;Dd $)) Aofu cf}Bf]lus sRrf kbfy{ dufPsf]df !@% Aofu ;fdfg sd tyf x/fPsf] cj:yfdf k|fKt ePsf] egL bfjL u/] kZrft\ >L e'if0f k|;fb v/]nnfO{ ;e{] ug{ lgo'lQm ul/Psf]df ;e{]o/n] pQm pBf]usf] sf7df8f}+ l:yt uf]bfddf uO{ ;e{] u/]sf] tyf bfjLstf{n] pQm ;e{] k|ltj]bg ;fy bfjL kmf/fd ebf{ jL/u+hb]lv sf7df8f}+;Ddsf] 9'jfgL ubf{ pQm ;fdfg gf]S;fg ePsf] elg pNn]v u/]sf] . o;/L bfjLstf{n] ;e{] k|ltj]bg ;lxt bfjL dfu ubf{ o; sDkgLaf6 ldlt !^÷)#÷@))) sf ljbg snsQf kf]6{ Nofl08Ë slG8;g ;l6{lkms]6 tyf snsQfdf ul/Psf] l8:rfh{ ;e{] ul/Psf]df kf]6{ Nofl08Ë slG8;g ;l6{lkms]6 k]z ug{ g;s]sf] tyf lk|–l8:rfh{ ;e{] k|ltj]bgsf] xsdf ldlt )*÷!!÷@))) df sf7df8f}+df ;fdfg cfO{ k'uL ;s]kl5 ldlt @$÷)!÷@))) sf lbg >L h]=lj=jf]8f ;e{]o;{ k|f=ln=n] u/]sf] lk|–l:rfh{ ;e{] ldNg] gb]lvPsf] . bfjLstf{n] ldlt )!÷)*÷@))) df o; sDkgL ;dIf k7fPsf] >L dx]z /f]8 Sofl/o;{sf] sG;fOgd]G6 gf]6df klxn] $)) Aofu a'em]sf] elg ;xL u/]sf]df kl5 To;}df ykL cs{} sndn] !@% Aofu km'6]sf cj:yfdf k|fKt x'g cfPsf] elg pNn]v eO{ cfPaf6 pQm bfjLstf{n] k'/f sfuhft gk7fO{ Pp6f Pp6f u/L k7fPsf] tyf ;Ssn sfuhftdf gePsf] s'/f ykL bfjL dfu u/]sf]n] pQm sfo{ aLdfsf] l;4fGt ljkl/t ePsf]n] bfjL /4 ug{] u/L o; sDkgLaf6 ePsf] sfo{ lgodfg';f/ g} ePsf] Joxf]/f hfgsf/L u/fpb5f}+ eGg] aLds PnfOG; OG:of]/]G; sDkgL ln=sf] ldlt )%&÷!!÷@( sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLldt lgj]bsn] dn]l;ofb]lv snsQf x'Fb} sf7df8f}+ cf}Bf]lus sRrf kbfy{ dufPsf]df ;f] ;fdfg gf]S;fgL ePsf] egL bfjL kmf/fd ebf{ lj/u+hb]lv sf7df8f}+;Dd 9'jfgL ubf{ ;fdfg x/fPsf] bfjL u/]sf]df kl5 aLdsn] tT;DaGwL sfuhft dfu ubf{ snsQfb]lv /S;f}n;Dd ;fdfg 9'jfgL ug{] dx]z /f]8 Sofl/o;{nfO{ ;fdfg x/fO lbP jfkt bfjf u/]sf] kfOof] . o;} u/L gf]S;fg ePsf] elgPsf] ;fdfg cfkm\gf] uf]bfddf yGsfPsf] / uf]bfd;Dd 9'jfgL ug{] Sofl/o;{nfO{ tTsfn bfjL u/]sf] ;d]t kfOPg . aLldtn] ;fdfg a'lemlnO{ uf]bfddf yGsfP kl5 aLdf bfjL u/]sf] b]lvPsf] . o;}u/L aLdsn] dfu u/]sf] ;Ssn sfuh k]z ug{ g;s]sf] cj:yfsf ;fy} bfjL ubf{ cnu–cnu kl/l:ylt v'nfO{ bfjL u/]sf] tyf aLdssf] Ifltk"lt{ k|fKt ug{ ;Sg] clwsf/ (Right of Recovery) ;d]t xgg ePsf] b]lvg cfPsf]n] aLdf bfjL e'QmfgL ug{ c:jLsf/ u/]sf] aLdssf] egfO dgfl;j b]lvg cfof] . o;y{, aLdf P]g, @)$( sf] bkmf *-3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd lgj]bssf] ldlt )%&÷^÷( sf] lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn k'if !@ ut] /f]h ^ z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L /fh]Gb| k|;fb pkfWofo ltldlN;gf, >L PnfoG; OG:of]/]G; sDkgL ln=, k|f]kfO6/, b/af/dfu{, sf7df8f}+ . ;'Gb/ /fO; ldn, kftn]v]t uf=lj=;= jf8 g+= #, sfe|]knf~rf]s .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != sfe|] knf~rf]s lhNnf kftn]v]t uf=lj=;= j8f g+= # a:g] d /fh]Gb| k|;fb pkfWofo -ltldlN;gf_ sf] :jfldTjdf /x]sf] ;'Gb/ /fO{; ldn, PnfOG; OG:of]/]G; sDkgL ln= b/af/ dfu{df clestf{ la=c=ag]kf ))$ dfkm{t clUg, x'nb+uf, cft+s zLif{sdf sDkgLsf] lgod cg';f/ e'QmfgL u/L aLdf ul/Psf] . ldlt @)%&÷&÷!@ ut] /ftL c1ft JolQmaf6 ldn]sf] ;fy} ldn ePsf] 3/ uf]bfd ;d]t cfuf] nufO gi6 u/L lbPsf] x'Fbf ;DalGwt aLdf sDkgL -PnfOG; OG:of]/]G; sDkgL_ df ldlt @)%*÷&÷!$ ut] Iflt d"NofÍg u/L pBf]u k'g{:yfkgf u/fO{ kfpgsf nflu lgj]bg lbPsf]df sf]08f sG:6«;gnfO{ Iflt d"NofÍg ug{ lhDdf lbOPsf] eGg] df}lvs hfgsf/L kfOPsf] / 36gf:yndf d"NofÍgsf nflu eGg] ;'Ggdf dfq cfPsf] . d"NofÍgaf6 s] slt Iflt ePsf] eGg] k|dfl0ft eof] eGg] ;d]t yfxf gePsf]n] Ifltk"lt{ kfpg tfs]tf ubf{ sDkgLaf6 Ifltk"lt{ jf k'g{:yfkg u/L kfpg'sf] ;§f Ifltk"lt{ dfu bfjL ul/Psf] $ dlxgfkl5 @)%*÷!)÷@^ df sDkgLn] v6fPsf] ;e{]o/, sDkgLdf k]z ePsf] sfuhftsf] cg';Gwfg ubf{ / kqklqsfdf k|sflzt ;dfrf/df dfcf]jfbLn] hnfPsf] elgPsf]n] bfjL aLdf lxt of]Uo gePsf] eGg] h:tf a'Fbfx? ;dfj]z u/L cftÍjfb s]nfO{ elgG5 eGg] ;d]t yfxf gePsf] h:tf] u/L cftÍjfbaf6 ePsf] xf]Og of] dfcf]jfbLaf6 ePsf]n] aLdfof]Uo gePsf] eGg] a'emfpg] vfnsf] kq aLldt kIfnfO{ pknAw u/fPsf]n] / cftÍ eGg] ;dfhdf sf]xL s;}n] klg km}nfpg ;S5 / To:tf] cj:yfdf s'g} jfbsf] s'/f /fVb}df cftlÍt x'g] vfnsf] 36gf 36fpg] gf]S;fgL u/fpg] sfo{nfO{ cftÍjfb cGtu{t kb{}g eGg gldNg] ePsf] / d aLldt kIfsf] pBf]udf ePsf] 36gf cftÍ km}nfpg] lsl;dsf] cft+sjfbLaf6 ePsf]n] PnfOG; OG:of]/]G; sDkgL ln=sf] lg0f{o ab/ u/L d"NofÍg u/fO{ Ifltk"lt{ u/fO lbg'x'g Gofosf] nflu aLdf ;ldltdf of] lgj]bg ;fy ;Demf}tf kqsf] k|ltlnlk PnfOG; OG:of]/]G; sDkgL ln= n] pknAw u/fPsf] lg0f{o kqsf] k|ltlnlk Iflt ljj/0f ;fy} Iflt ePsf] ejgsf] kmf]6f] ;d]t ;dfj]z u/L lgj]bg k]z u/]sf] 5' eGg] Joxf]/fsf] lgj]bs /fh]Gb| k|;fb pkfWofo -ltldlN;gf_ k|f]kfO6/ ;'Gb/ /fO; ldn kftn]v]t uf=lj=;=j8f g+= # sfe|] knf~rf]ssf] ldlt @)%*÷!!÷!# sf] lgj]bg . @= ToxfFsf] ldlt @)%*÷!!÷!# sf] ph'/L lgj]bg ;DaGwdf cfjZos sf/jfxL cufl8 a9fOPsf] Jox]/fsf ;fy} pQm lgj]bgdf v'nfP adf]lhd kmf]6f] tyf s]xL sfuhft ;+nUg ePsf] gb]lvPsf] x'Fbf oyflz3| ;Dks{ /fVg'x'g eGg] Joxf]/fsf] lgj]bsnfO{ ;ldltsf] ldlt @)%*÷!@÷!$ sf] kq . #= To; sDkgLdf aLdf ePsf] ;'Gb/ /fO; ldndf ldlt @)%&÷&÷!@ df 3/ uf]bfddf cfuf] nufO{ gi6 ul/lbPsf] ;DaGwdf To; sDkgLaf6 v6fOPsf] ;e{]o/åf/f ToxfF k]z x'g cfPsf] ;e{] k|ltj]bgsf] k|dfl0ft

k|ltlnlk !) lbgleq pknAw u/fpg aLds >L PnfOG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%*÷!@÷!^ sf] kqsf] lgb{]zg . $= pk/f]Qm ;DaGwdf sf=k=lh= kftn]v]t uf=lj=;= jf8{ g+=# a:g] d /fh]Gb| k|;fbsf] :jfldTjdf /x]sf] ;'Gb/ /fO{; ldn ldlt @)%&÷&÷!@ ut] /ftL cfunfuL ePsf] Joxf]/f cjut u/fpb} ;f] ldn PnfoG; OG:of]/]G; sDkgL ln=df aLdf ul/Psf]df aLdf of]Uo gePsf] egL dnfO{ hfgsf/L u/fPsf] lj?4 aLdf of]Uo 5 egL To; sfof{nodf lbPsf] lgj]bgdf gk'u x'g cfPsf] bdsn -af?0f oGq_ sfof{nosf] kq / 3/ cfunfuL ePsf] cj:yfsf] kmf]6f] ;+nUg u/L k]z u/]sf] 5' eGg] lgj]bssf] ldlt @)%*÷!@÷!$ sf] hjfkm . %= pQm bfjL ;DaGwdfo sDkgLåf/f v6fOPsf] ;e{]o/åf/f k]z ul/Psf] ;e{] k|ltj]bgsf] k|dfl0ft k|ltlnlksf] hjfkm k7fPsf] aLds PnfoG; OG:of]/]G; sDkgL ln=sf] ldlt @)%*÷!@÷@! sf] hjfkm . ^= To; sDkgLn] ldlt @)%*÷!)÷@^ -r=g+=!%!^.)%*.)%( sf] kq dfkm{t aldt >L ;'Gb/ /fO; ldn kftn]vt uf=lj=;= #, sfe|]knf~rf]snfO{ æ======dfcf]jfbLx?n] hnfO{ lbPsf] b]lvg cfPsf]n] pQm bfjL aLdf of]Uo lxt (Insurable Interest) leq kg{] gb]lvPsf]Æ eGg] Joxf]/f pNn]v u/]sf] kfOof] . tyflk ldlt df3 #, @)%* df ;e{]o/ Konda Consultants eQmk'/sf] ;e{] k|ltj]bgdf ;f] af/] s]xL pNn]v ePsf] gb]lvPsf]n] s] s'g cfwf/df To:tf] n]lvPsf] xf] < :ki6 kf/L k7fpg aLds PnfOG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%*÷!@÷@# sf] kqsf] lgb{]zg . &= pQm bfjLsf] ;DaGwdf bfjLstf{n] clUg aLdf k|:tfj kmf/fd ebf{ pQm :yfgdf /fO{; ldn tyf ;f] ;DaGwL cGo ;fdfgx? /x]sf] elg clUg aLdf k|:tfj kmf/fd e/L o; sDkgL ;dIf k]z u/]sf] / To; k|:tfj kmf/fdsf] cfwf/df aLdfn]v hf/L ul/Psf] lyof] . bfjL kl/;s]kl5 bfjLstf{åf/f k]z ul/Psf] ;Dk"0f{ sfuhft tyf ;e{] k|ltj]bgsf] cWoog ubf{ pQm ldn 3/fo;L k|of]hgsf] nflu k|of]u ePsf] ;fy} /]o'sfO{ g]kfnsf] :yfgLo sfof{nonfO{ ef8fdf ;d]t /fv]sf] tyf ljleGg kq klqsdf k|sflzt ;dfrf/df pQm ldn /x]sf] ejg cft+ssf/Lx?n] lghL l/;OaLsf] sf/0fn] hnfO{ lbPsf] a'lemg cfPsf]n] pQm bfjL aLdf of]Uo lxt (Insuarable

Interest) leq kg{] b]lvg gcfPsf] Joxf]/f ;d]tsf] hfgsf/L u/fpFb5f}+ eGg] aLdssf] ldlt @)%(÷@÷# sf] lnlvt hjfkm . *= pQm ldn /x]sf] ejg cft+ssf/Lx?n] lghL l/;OaLsf] sf/0fn] hnfO{ lbPsf] a'lemg cfPsf]n] pQm bfjL ÆaLdf of]Uo lxt leq kg{] b]lvg gcfPsf]Æ h:tf] c:ki6 Joxf]/f n]lv cfPsf] x'Fbf :ki6 kf/L k'i6\ofOPsf cfwf/x? k]z ug{ ;d]t aLdsnfO{ ;ft lbgsf] clGtd Dofb lbOPsf] ;ldltsf] ldlt @)%(÷@÷!^ sf] kq . (= pQm aLdf bfjLsf] ;Gbe{df aLldtn] aLdf k|:tfj kmf/fd btf{ ebf{ æaLdf x'g] 3/ hUufsf] ef]u rngsf] tl/sfÆ cGtu{tsf hjfkmdf /fO; ldn dfq elg pNn]v u/]sf] t/ ;e{]sf] bf}/fg pQm 3/df /]o'sfO{ g]kfnsf] :yfgLo sfof{no ef8fdf a;]sf] b]lvg cfPsf] x'Fbf aLldtn] k|:tfj kmf/ddf e/]sf] ljj/0f km/s b]lvg cfPsf] . o;} ;Gbe{df xfgL–gf]S;fgLsf] sf/0f lhNnf k|x/L sfof{no w'lnv]n sfe|]sf] k|ltj]bg cg';f/ æc1ft JolQmx?n] pQm 3/df cfO{ cfuf] nufO{Æ eGg] ePsf] x'Fbf of] k|s[ltsf] hf]lvd Malicious act cGtu{t klg x'g ;Sg] h;sf] nflu aLdfn]vn] Malicious Damage Risk klg se/ ug{'kg{] t/ pQm hf]lvd k|:t't aLdfn]vn] se/ u/]sf] b]lvb}g . t;y{ pQm bfjL km:of{}6 ug{ gldNg] egL o; sDkgLn] u/]sf] lg0f{o dgfl;j g} b]lvPsf]n] o; sDkgLsf] lg0f{o ;b/ u/L kfpF eGg] aLdssf] ldlt @)%(÷#÷!( sf] lnlvt hjfkm . !)= lgj]bg bfjL adf]lhd bfloTj lgwf{/0f u/L bfjL e'QmfgL ug{ gldNg] ;DaGwdf cGo s'g} cfjZos sfuhft tyf ljj/0f eP ;f] ;d]t lnlvt hjfkmsf ;fy ;ft -&_ lbgleq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf]

pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷#÷!( sf] kq . !!= pQm bfjLsf ;DaGwdf o; sDkgLaf6 ldlt @)%*÷!@÷@!, @)%(÷@÷# / )%(÷@÷@# sf] kqx?af6 hfgsf/L u/fOP cg';f/ o; sDkgLsf] lg0f{o ;b/ u/L kfpF eGg] aLds PnfoG; OG:of]/]G; sDkgL ln=sf] ldlt @)%(÷$÷# sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLds PnfOG; OG:of]/]G; sDkgL ln=af6 hf/L ePsf] clUg aLdfn]v cGtu{t aLdf ePsf] / aLdf cjlw leq} Iflt ePsf] ;d]t s'g} ljjfb g/x]sf] k|:t't d'2fdf c1ft JolQmx?n] ldlt @)%*÷&÷!@ df cfuf] nufO{ Iflt ePsf] x'Fbf ;f]sf] bfjL e'QmfgL kfpg' kg{] eGg] aLldtsf] egfO /xsf] tyf ;e{] k|ltj]bgaf6 ;d]t /]o'sfO{ g]kfnsf] :yfgLo sfof{nonfO{ ef8fdf /fv]sf] tyf ljleGg kq klqsfdf k|sflzt ;dfrf/df pQm ldn /x]sf] ejg cft+ssf/Lx?n] l/;OaLsf] sf/0fn] hnfO{ lbPsf] a'lemg cfPsf]n] pQm bfjL aLdf of]Uo lxt leq gkg{] egL bfjL] e'QmfgL ug{ c:jLsf/ u/]sf] kfOof] . o; cj:yfdf Ifltsf] sf/0f :ki6 u/L aLdf bfjLsf] e'QmfgL aLdn]v cGtu{t kg{] gkg{] ;DaGwdf lg0f{o ug{'kg{] b]lvof] . k|:t't aLdf bfjL ;DaGwdf aLdssf] egfO{ adf]lhd /]o'sfO{ g]kfnsf] :yfgLo sfof{no /x]sf] sf/0f pQm Iflt ePsf] xf] eGg] tyf JolQmut l/;OaLsf] sf/0f cfuf] nufPsf] eGg] Joxf]/f ldl;n ;+nUg sfuhftaf6 k'li6 x'g cfPsf] kfOPg . aLdfn]v cGtu{t cft+sjfb hf]lvdsf] ;'/Iff ePsf] / c1ft JolQmx?n] pQm ldndf cfuf] nufO{ Iflt ePsf] k|x/L k|ltj]bg / ;e{] k|ltj]bg nufotsf sfuhftaf6 k|i6 ePsf] / aLdf ug{] / Iflt kfpg]sf] pQm ;DklQ dflysf] xslxt sfod ePsf] cj:yfdf bfjL aLdf of]Uo lxt leq gkg{] eGg ldNg] cj:yf ;d]t b]lvPg . o;y{, k|:t't bfjLdf ;e{]o/n] u/]sf] xfgL–gf]S;fgL d"NofÍg cg'?k aLdfn]vsf] zt{ ;'ljwf adf]lhd k'gM bfloTj lgwf{/0f u/L aLldtnfO{ bfjL e'QmfgL ug{' egL aLds PnfoG; OG:of]/]G; sDkgL ln=nfO{ aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn k'if !@ ut] /f]h ^ z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L rGb|b]j e§, >L /fli6«o aLdf ;+:yfg ;Dks{M g]kfn ljB't k|flws/0f, b}n]v . /fdzfxky, sf7df8f}+ .

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != ldlt )%*÷!÷@^ df uf}/Lu+haf6 sf7df8f}+ tkm{ cfO/x]sf] gf@v #^(# g+= sf] /fqL a; wflbË lhNnfsf] ;nfË3f6 eGg] 7fpFdf b'3{6gfu|:t e} pQm a; /fhdfu{af6 sl/j !)) ld6/ tn lqz'nL gbLdf v;]sf] / pQm a;df ofqf ul//x]sf ofq'x?dWo] ;+nUg ljj/0f cg';f/sf] cf}ifwf]krf/sf] lan ekf{O{ >L /fli6«o aLdf ;+:yfgdf k]z e};s]sf] / pQm 36gfdf @ hgf ofq'sf] d[To' ePsf] Joxf]/f cg'/f]w ub{5' . pQm 36gfdf Ifltu|:t ePsf] pQm a;sf] cfjZos dd{t ;Def/ sl/j * nfvdf ;DkGg ePsf] t/ /fli6«o aLdf ;+:yfgsf k|ltlgwL >L ;"o{ hf]zLn] l;kmfl/; u/]sf] sl/j # nfvsf] 6f]sg cg';f/sf] /sd jf:tljs vr{ eGbf w]/} sd ePsf]n] pQm dd{t ;Def/sf] lan, cf}ifwf]krf/sf] lan /fli6«o aLdf ;+:yfgaf6 lemsfO 5fgjLg u/L lbg eGg] Joxf]/fsf] lgj]bs rGb|b]j e§sf] ldlt @)%*.^.# sf] lgj]bg . @= ;f] bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] sf/0f v'nfO{ lnlvt hjfkmsf ;fy tT;DaGwdf eP u/]sf] ;Dk"0f{ sfuh ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds /fli6«o aLdf ;+:yfgnfO{ ;ldltsf] ldlt @)%*÷^÷!( sf] kqaf6 lgb{]zg . #= df]6/ aLdf bfjL km5\of}{6 ug{ :ynut Pj+ clGtd lg/LIf0f To; ;ldltaf6 Ohfht k|fKt ;e{]o/af6 u/fO{ k|fKt sfuhftx? Pj+ lg/LIfssf] lg/LIf0f k|ltj]bgsf] cfwf/df bfjL /sd Plsg ug{] ul/Psf] pNn]v ub{} k|fKt ;Dk"0f{ sfuhftx?sf] kmf]6f]skL k7fOPsf] 5 eGg] ;d]t aLds /fli6«o aLdf ;+:yfgsf] ldlt @)%*÷&÷# sf] kq . $= gf@v #^(# g+= sf] /fqLa; wflbË lhNnfsf] ;nfË3f6df b'3{6gf e} To; ;ldltaf6 5fgljg e}/x]sf]df d}n] k]z u/]sf] /fli6«o aLdf ;+:yfgsf clen]vx?sf] k|ltlnlk pknAw u/fOlbg'x'g eGg] ldlt @)%*÷*÷!! sf] lgj]bs rGb|b]j e§sf] lgj]bg . %= >L lhNnf k|x/L sfof{no wflbËn] k|dfl0ft u/]sf] cf}ifwf]krf/ vr{sf] kq yfg ! / aLdf ;+:yfgn] k|:tfj u/]sf] sf]6]zgsf] % yfg kq ;d]t u/L ^ yfg sf] k|lt yfg ?=# sf b/n] hDdf ?= !* sf] gub /l;b ;+nUg u/]sf] 5' . pQm ^ yfg k|ltlnlk pknAw u/fO{ lbg'x'g eGg] Joxf]/fsf] lgj]bs rGb|b]j e§sf] ldlt @)%*÷*÷@* sf] lgj]bg . ^= d]/f] gf@v #(^#g+= sf] /fqLa; ldlt @)%*÷!÷@^ ut] wflbË lhNnfsf] ;nfË3f6 eGg] 7fpFdf b'3{6gfu|:t e} lqz'nL gbLdf v;]sf] / >L /fli6«o aLdf ;+:yfgaf6 vl6Psf ;e{]o/ >L ;"o{ hf]zLsf] lgb{]zg cg';f/ dd{t ;Def/ ;DkGg ePsf], pQm ;"o{ hf]zLn] ldlt @)%*÷%÷#) df lbPsf] 6f]sgsf] /sd ?= #,!!,%&(.– lrQ ga'em]sf] / d]/f] uf8L dd{t ubf{ jf:tljs vr{ ePsf] /sd ?= *,&^,*)).– / ;f] afx]s cGo ;+nUg ljj/0f cg';f/ ?= @,(%,($$.^# u/L hDdf ?=!!,&@,&$$.^# vr{ ePsf]n] ;f] /sd xfn;Dd klg k|fKt gePsf]n]

sf]6]zg k]z u/]sf] ldlt @)%*÷@÷#! b]lv xfn;Ddsf] lgodfg';f/ kfpg] Aofh ;d]t pknAw u/fOlbg'x'g eGg] Joxf]/fsf] lgj]bs rGb|b]j e§sf] ldlt @)%(÷!÷!@ sf] lgj]bg . &= tkfO{sf] ldlt @)%(÷!÷!@ sf] bfjL ph'/L ;DaGwdf cfjZos sf/jfxL cufl8 a9fOPsf] Joxf]/f hfgsf/L u/fOG5 eGg] lgj]bsnfO{ ;ldltsf] ldlt @)%(÷@÷& sf] kq . *= gf@v #(^# g+= sf] b'3{6gfu|:t a;sf] Iflt d"NofÍg u/L k]z ug{'ePsf] ;e{] k|ltj]bg ;DaGwdf tkfO{;+u s]xL s'/f a'em\g' kg{] ePsf]n] & lbgleq pkl:yt x'g ;"o{ k|;fb hf]zL, ;e{]o/ l6;f OlGhlgol/Ë sG;N6]G;LnfO{ ;ldltsf] ldlt @)%(÷@÷* sf] kq / ;f] adf]lhd ldlt @)%(÷@÷!$ df ;e{]o/ pkl:yt eO{ cWoIfHo";+u 5nkmn .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 pQm ;jf/L ;fwg gf@v #(^# sf] aLdf ePsf] / aLdf cjlw leq} b'3{6gf eO{ Iflt ePsf]df ;d]t s'g} ljjfb ePsf] kfOPg . pQm ;jf/Lsf] b'3{6gf eO{ b'O{hgf ofq'sf] d[To' ePsf] / 3fOt] pkrf/ vr{ afktsf] /sd tyf ;jf/L dd{t ubf{ nfu]sf] jf:tljs vr{ kfpg'kg{] eGg] lgj]bssf] egfO{ / ;e{]o/sf] lg/LIf0f k|ltj]bgsf] cfwf/df bfjL /sd olsg ug{] ul/Psf] eGg] aLdssf] egfO{ /x]sf] kfOof] . o; cj:yfsf] k|:t't d'2fdf aLdfn]vn] ofq' aLdf jfkt ;'/If0f k|bfg u/]sf] / k|lt ofq'x?sf] s"n Ifltk"lt{ ?= %),))).– ;Dd /Iffj/0f ug{] b]lvPsf]n] d[ts ofqLsf] xsdf k|lt d[ts ofqL jfkt ?=%),))).–sf b/n] lgh d[ts ofq'sf] xsjfnfnfO{ aLdsn] Ifltk"lt{ jfktsf] /sd e'QmfgL ug{'kg{] / 3fOt]sf] cf}ifwf]krf/sf] xsdf k|lt 3fOt] ofq'sf] cf}ifwf]krf/sf] vr{ pQm ?= %),))).– df ga9\g] u/L jf:tljs cf}ifwf]krf/ vr{sf] /sd / Ifltk"lt{ ;DaGwdf clVtof/ k|fKt lgsfoaf6 ePsf] Ifltk"lt{ /sd e'QmfgL ug{'kg{] x'G5 . oBkL o:tf] /sd Ifltk"lt{ / jf:tljs cf}ifwf]krf/sf] /sd ;lxt k|lt ofqLsf] nflu lgwf{l/t aLdfÍ /sdsf] ;Ldf;Dd dfq aLdsn] bfjL e'QmfgL ug{'kb{5 . ;jf/L dd{t vr{sf] ;DaGwdf xfgL–gf]S;fgL d"NofÍg ug{] ;e{]o/sf] d"NofÍg k|ltj]bgdf pNn]v ePsf] kmnfgf] kmnfgf] /sd otL sf/0fn] 7Ls 5}g . of] olt sf/0fn] cfkm"n] dfu u/] adf]lhdsf] /sd 7Ls 5 egL k'i6L ug{'sf ;fy} aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd clgjfo{ clws, ¥xf;s§L cflb jfkt s§f x'g'kg{] /sd olt egL :ki6 ls6fg ;lxt cfkm"n] kfpg'kg{] /sd bfjL ug{'kg{]df ;f] gu/L jf:tljs vr{ ePsf] /sd kfpF egL xfgL–gf]S;fgL d"NofÍgnfO{ cGoyf dfq eGg] lgj]bssf] egfOnfO{ cfwf/ lng ldNg] b]lvPg . ;e{]o/n] u/]sf] d"NofÍgnfO{ cGoyf eGg ;Sg] :ki6 cfwf/ k|df0fsf] cefjdf :jtGq ?kdf xfgL–gf]S;fgL d"NofÍg ug{] ;e{]o/sf] k|ltj]bgnfO{ g} cfwf/ dfgL aLdn]vsf] zt{ ;'ljwf adf]lhd aLdsn] e'QmfgL ug{ vf]h]sf] dgfl;j 7x5{ . o;y{, aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& sf] pkbkmf -$_ adf]lhd ofqL aLDff tyf ;jf/L ;fwgsf] aLdf jfktsf] bfloTj pk/f]Qmfg';f/ aLds /fli6«o aLdf ;+:yfgn] e'QmfgL ug{'kg{] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t kIfx?nfO{ hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn k'if @^ ut] /f]h ^ z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L :jb]zL s]a'n O08li6«h k|f=ln= >L g]zgn OG:of]/]G; sDkgL ln= sf7df8f}+ . lqk'/]Zj/, sf7df8f}+ .

d'2f M– gub aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != o; :jb]zL s]a'n O08li6«h k|f=ln= sf7df8f}+n] g]zgn OG:of]/]G; s+=ln= sf7df8f}+af6 aLdf kf]ln;L g+=240/KB-2/7600001/2001-2002 cGtu{t gub aLdf u/]sf]df ldlt ;g\ @))!÷!@÷@# df /sd n'l6Psf] pQm sDkgLsf] Sn]d g+= 240/KB-2/76/01-02/095 cGtu{t Sn]d btf{ ePsf]df ldlt ;g\ @))@ sf] dfr{ @& tfl/vdf To; aLdf sDkgLsf] kqaf6 pQm bfjL aLdfn]v cGtu{t gkg{] egL bfjL gkfpg] lg0f{o u/]sf] kq kfPsf]df ;f] lg0f{o pk/ lrQ ga'lem >Ldfg\ ;dIf ph'/L u/]sf 5f}+ . pQm aLdfn]vsf] a'Fbf g+= -u_ df dfly pNn]lvt ePdf afx]s cGo NofOg] gub $* 306f ga9\g] u/L ePsf] ;+sng ;d]t Ps k6sdf ?=!,)),))).– -Ps nfv se/ u/]sf]df ;f] cGtu{t xfd|f] hfoh bfjL cdfGo egL kq hf/L u/L cGofok"0f{ lg0f{o u/]sf] x'Fbf pQm bfjLsf] Ifltk"lt{ kfpg >Ldfg\ ;dIf cfjZos 5fgljg u/L xfgL ePsf] /sd lbnfpg] tkm{ sfo{jfxL u/L kfpF eGg] Joxf]/fsf] :jb]zL s]j'n OG8li6«h k|f=ln=sf] ldlt @)%(.@.!& sf] lgj]bg . @= pk/f]Qm bfjL ph'/L ;DaGwdf To; sDkgLaf6 v6fOPsf ;e{]o/af6 k]z ePsf] k|f/lDes ;e{] k|ltj]bg & lbgleq k]z ug{' eGg] Joxf]/fsf] aLds g]zgn OG:of]/]G; sDkgL ln= nfO{ ;ldltsf] ldlt @)%(.@.!& sf] kqaf6 lgb{]zg . #= :j]b]zL s]a'n O08li6«hsf] gfddf hf/L ePsf] aLdfn]v g+=240/KB-2/7600001/2001-2002 cGtu{t aLdf bfjL ;DaGwdf sDkgLaf6 v6fOPsf ;e{]o/af6 k]z ePsf] k|f/lDes k|ltj]bg k]z u/]sf] aLds g]zgn OG:of]/]G; sDkgL ln=sf] ldlt @)%(.@.@^ sf] kq . $= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{' gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm ;d]t & lbgleq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLds g]zgn OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%(÷(÷!@ sf] kqaf6 cfb]z . %= aLldt >L :jb]zL s]a'n O08li6«h k|f=ln=sf] aLdf bfjL;+u ;DalGwt lgDg sfuhftx? o;} kq;fy ;+nUg u/L k]z u/]sf 5f}+ . !_ aLdfn]vsf] k|ltlnlk @_ aLldtåf/f k]z ePsf] aLdf bfjLsf] kq #_ k|x/L k|ltj]bg ^= aLldtnfO{ aLdf bfjL se/ ul/Psf] hf]lvd cGtu{t gkg{] Joxf]/fsf] hfgsf/Lsf] nflu k7fPsf] kqsf] k|ltlnlk .

plNnlvt aLdfn]vdf :jLsf/ ul/Psf] dfu{:y ljleGg a}+sx? b]lv aLldtsf] sfof{no tyf aLldtsf] sfof{no b]lv ljleGg a}+sx?sf] sfof{no;Ddsf] dfu{ dfq ePsf] t/ plNnlvt Iflt ePsf] /sdf ljleGg u|fxsx?af6 aLldtsf k|ltlglwn] ;+sng ul/Psf] /sd ePsf]n] ;f] ;DaGwL bfjL aLdfn]vsf] kl/wL leq gkg{] eGg] Joxf]/fsf] aLds g]zgn OG:of]/]G; sDkgL ln=sf] ldlt @)%(.(.!* sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlwleq} /sd n'l6Psfdf ;d]t s'g} ljjfb gePsf] k|:t't d'2fdf dfu{:y aLdfn]v geO{ gub aLdfn]v hf/L ePsf] b]lvof] . o;}u/L pQm aLdfn]vsf] cg';"rLsf] a'Fbf -u_ df dfly pNn]lvt ePsf afx]s cGodf NofOg] gub $* 306fdf ga9\g] u/L ePsf] ;+sng eGg] Joj:yfn] u|fxsx?af6 aLldtsf] k|ltlglwn] ;+sng ul/Psf] /sd ;d]tnfO{ ;'/If0f ug{] u/L aLdfn]v hf/L ePsf] kfOof] . o;y{, aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgofdjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd aLds g]zgn OG:of]/]G; sDkgL ln= nfO{ k'gM bfloTj lgwf{/0f u/L lgj]bsnfO{ bfjL e'QmfgL ug{' egL cfb]z 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn k'if @^ ut] /f]h ^ z'ed\=========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L z/0f axfb'/ sfsL{, Joj:yfks lgb{]zs, >L g]zgn OG:of]/]G; sDkgL ln= g]kfn ;femf oftfoft ufpF ;]jf k|f=ln= lqk'/]Zj/, sf7df8f}+ . w/fg

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != >L g]zgn OG:of]/]G; sDkgL ln=df aLldt aLdf kf]ln;L g+= aL=cf/=h]=l8=cf]= ^#)@@** sf] o; sDkgLn] >L Pe/]i6 a}+s lj/f6gu/af6 C0fdf lnPsf] o; sDkgLsf] a; gf@v$@)# >L kz'klt k|;fb u0f O6x/Laf6 zfxL ;]gfsf] 6f]nL lnP/ uPsf]df Ko"7fg lhNnfsf] rsrs] eGg] 7fpFdf ldlt )%*.*.!! ut] ljB'tLo w/fkdf k/L pQm a; Ifltu|:t ePsf] sf/0f pQm aLdf sDkgLdf Ifltk"lt{sf] nflu kqfrf/ u/]sf]df pQm aLdf sDkgLaf6 k|fKt kqsf] ;+nUg k|ltlnlk adf]lhd pQm a;sf] Ifltk"lt{ lbg' gldNg] egL kq k7fPsf] x'Fbf ;f] ;DaGwdf . pQm a;sf] Ifltk"lt{ aLsf sDkgLaf6 lbnfO{ kfpF / ;f]sf] hfgsf/L kfpF eGg] Joxf]/fsf] lgj]bs ;femf oftfoft ufpF ;]jf k|f=ln= w/fgsf] ldlt @)%*.!).!* sf] lgj]bg . @= pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] < ;f]sf] oyfy{ ljj/0fsf] lnlvt hjfkm ;lxt pQm aLdf bfjL ;DaGwdf eP u/]sf sfd sf/jfxL;+u ;DalGwt ;Dk"0f{ sfuhkqx? kq k|fKt ldltn] !% -kGw|_ lbgleq o; ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷#÷!* sf] kqaf6 lgb{]zg . #= o; sDkgLåf/f pNn]lvt gf@v $@)# gDa/sf] a; aLdfn]v g+= aL=cf/=h]=l8=cf]= ^#)@@** cGtu{t aLdf ul/Psf]df aLldtåf/f cft+sjfb ;DaGwL hf]lvdsf] aLdf gu/fPsf] t/ ;jf/L ;fwgsf] Iflt cft+sjfbLx?n] /fv]sf] PDa';df k/L x'g uPsf] x'Fbf aLdfn]v cGtu{t se/ ul/Psf] hf]lvddf pk/f]Qm Iflt gkg{] Joxf]/f ;Ddflgt ;ldltnfO{ hfgsf/L u/fpg rfxG5f}+ eGg] aLdssf] ldlt @)%(.$.^ sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} aLdf ul/Psf] ;jf/L ;fwg Iflt ePsf]df ;d]t s'g} ljjfb gePsf] k|:t't d'2fdf ljB'tLo w/fkdf k/L pQm a; Ifltu|:t ePsf]n] aLdf bfjL kfpg' kg{] eGg] lgj]bssf] egfO{ /x]sf] / aLldtåf/f cft+sjfb ;DaGwL hf]lvdsf] aLdf gu/fPsf] t/ ;jf/L ;fwgsf] Iflt cft+sjfbLx?n] /fv]sf] PDa';df k/L x'g uPsf] x'Fbf aLdfn]v cGtu{t se/ ul/Psf] hf]lvddf pk/f]Qm Iflt gkg{] egL bfjL c:jLsf/ u/]sf] kfOG5 . o; cj:yfsf] k|:t't ljjfbdf aLdfn]v cGtu{t pQm Ifltsf] bfloTj aLdsn] Joxf]g{' kg{] gkg{] ;DaGwdf lg0f{o ug{' kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ ldl;n ;+nUg aLdfn]vn] cf/=P;=8L=(RSD) cfuhgL / x8tfnaf6 x'g] Ifltsf] lj?4 aLdf ePsf] b]lvof] eg] zfxL ;]gfsf] 6f]nL lnP/ uPsf] ;jf/L ;fwg ljB'tLo w/fkdf k/L Iflt ePsf] eGg] lgj]bgsf] :ki6 ls6fgL Joxf]/f /x]sf] cj:yfdf pQm Ifltsf] sf/0f cft+sjfbL lqmofsnfk lj?4 hf]lvd jxg gu/]sf] cj:yfdf aLdsn] bfjL c:jLsf/ u/]sf]nfO{ cGoyf eGg ldNg] cj:yf gb]lvPsf]n] lgj]bssf] ldlt )%*.!).!* sf] lgj]bg aLdf P]g, @)$( sf] bkmf * -3!_, tyf bkmf !& sf] pkbkmf -$_ adf]lhd vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn df3 @$ ut] /f]h ^ z'ed\=========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd >L afa' /a/ P08 Knfli6s O08li6«h k|f=ln= >L PnfoG; OG:of]/]G; sDkgL ln= sflnsfgu/ !#, a'6jn b/af/dfu{, sf7df8f}+ .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != d]/f] pBf]un] /f=af=a}+s v:of}nL zfvfdf sf/f]af/ u/]sf] / ;f] shf{sf] OG;'/]G; a}+s dfkm{t sRrf kbfy{ cw{ tof/L / tof/L ;fdfgsf] PnfOG; OG:of]/]G; s+=df u/]sf]df )%&.&.^ ut] o; pBf]udf cfunfuL ePsf] va/ a}+s dfkm{t OG;'/]G; s+=nfO{ lbP kZrft ;e{]o/ uO{ ;e{] u/L o; pBf]un] Ifltk"lt{ jfkt ?=&,#(,*^*.– ;ft nfv pgfGrfln; xhf/ cf7 ;o c7;¶Ldf kfpg] egL 6f]sg lbPsf]df pQm O=s+=n] ;e{] k|ltj]bg k]z ^.& dlxgf;Dd s'g} sf/fjfxL gu/]kl5 d O=s+=df hfFbf sfuhft gk'u ePsf] egL kq ydfPsf]df ;f] kqn] dfu u/]sf] sfuhft k]z u/]kl5 k'gM csf{] kq a}+sdf k7fO{ lbg gldNg] egL n]v]sf]n] o; sDkgLnfO{ x'g uPsf] Ifltk"lt{ lbnfO{ lbg'x'g of] lgj]bg u/]sf] 5' . hn]sf] ;fdfg cw{ tof/L rKkn ;f]n ePsf] Joxf]/f klg cjut u/fpFb5' . cGo cfjZos sfuhft o;} lgj]bg;fy k]z u/]sf] 5' eGg] Joxf]/fsf] lgj]bs afa' /a/ pBf]u O08li6«h k|f=ln=sf] ldlt )%*.%.@& sf] lgj]bg . @= o; pBf]un] cfkm\gf] ;DklQ / bfloTjx?dWo] ejg, d]lzg/Lx? Pe/]i6 O=s+=ln=df u/]sf] / rfn' k"FhL cGtu{t sRrf kbfy{, cw{ tof/L / tof/L ;fdfgsf] aLdf PnfOG; O=s+=ln=df u/]sf]df ldflt )%&.&.^ ut] laxfg O=;6{ eO{ cfunfuL x'Fbf b'j} O=sDkgL cGtu{tsf ;dfg d]lzg Iflt ePsf]df Pe/]i6 O=s+=ln=n] cfkm\gf] aLdf cGtu{tsf] Ifltk"lt{ lbO{;s]sf] hfgsf/L ;lxt ;f] s+=sf] kmf]6f]skL kq klg o;};fy k7fPsf] 5' . ;f]xL cfunfuLdf PnfoG;n] Ifltk"lt{ lbg gldNg] egL u/]sf] lg0f{osf] cfkm"nfO{ cToGt 3f6f ePsf]n] cljnDa Ifltk"lt{ lbnfO{ lbg'x'g eGg] Joxf]/fsf] lgj]bssf] ldlt @)%*.^.@& sf] lgj]bg . #= PnfOG; OG:of]/]G; sDkgL ln=n] To; k|f=ln=nfO{ Ifltk"lt{ lbg gldNg] egL n]v]sf] kq o; ;ldltdf k]z ug'{x'g eGg] ;ldltsf] ldlt @)%*.&.!& sf] ;ldltsf] kq . $= pQm bfjL ;DaGwdf s] s;f] eP u/]sf] xf], ;f] af/]sf] lnlvt hjfkmsf ;fy tT;DaGwL aLdfn]v tyf ;e{] k|ltj]bg nufot eP u/]sf ;Dk"0f{ sfd sf/jfxL ;DaGwL sfuh tyf ljj/0f ;d]t kq k|fKt ldltn] !% -kGw|_ lbg leq ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%*÷*÷* sf] kqaf6 lgb{]zg . %= pQm bfjL ;DaGwdf aLldt >L /fli6«o afl0fHo a}+s lx >L afa' /a/ P08 Knfli6s pBf]u k|f=ln= a'6jnn] cfkm\gf] j8f g+= !# sflnsfgu/, a'6jn ?kGb]xL l:yt bf]>f] >]0fLsf] uf]bfd ejgdf /x]sf] tof/L rKkn tyf cw{ tof/L sRrf kbfy{sf] clUg aLdf u/fPsf]df >L /fli6«o afl0fHo a}+s zfvf sfof{no, a'6jnsf] ldlt @)%&.&.& sf] kq cg';f/ ldlt )%&.&.^ sf lbg cfunfuL eO{ gf]S;fg x'g uPsf] egL hfgsf/L u/fP kZrft >L u0fklt sG;N6\ofG;nfO{ ;e{] ug{ lgo'Qm ul/Psf] lyof] . pQm ;e{]o/åf/f k]z ul/Psf] k|ltj]bg tyf aLdfn]vsf] cfwf/df uf]bfd ejgdf cfunfuL ge} sf/vfgfdf dfq cfunfuL eO{ sf/vfgf ejgdf /x]sf]

d]l;g tyf Stock in Process sf] dfq gf]S;fg ePsf] a'lemg cfPsf]n] pQm bfjL aLdfn]vsf] k|fjwfg cGtu{t kg{ gcfPsf] egL o; sDkgLaf6 ul/Psf] sfo{ sfg"g ;Ddt g} ePsf] Joxf]/f hfgsf/L u/fpFb5f}+ eGg] aLdssf] ldlt )%*.*.@@ sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 lgj]bs afa' /a/ pBf]udf ldlt @)%&.&.^ ut] cfunfuL eO{ gf]S;fg ePsf] aLdf bfjL kfpg'kg{] eGg] lgj]bssf] egfO{ /x]sf] k|:t't d'2fdf bf]>f] >]0fLsf] uf]bfd ejgdf /x]sf] tof/L rKkn tyf cw{ tof/L sRrf kbfy{sf] clUg aLdf u/fPsf]df sf/vfgf ejgdf /x]sf] d]lzg tyf ;fdfgx?sf] dfq gf]S;fgL ePsf] xF'bf pQm bfjL aLdfn]vsf] k|fjwfg leq gkg{] eGg] aLdssf] egfO{ /x]sf]] kfOG5 . o; cj:yfsf] k|:t't ljjfbdf aLdfn]v cGtu{t Ifltsf] bfloTj aLdsn] Joxf]g{' kg{] tkm{ lg0f{o ug{'kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ aLdfn]vn] lgj]bssf] uf]bfddf /x]sf] ;fdfgx?sf] aLdf u/]sf] s'/f ls6fgL ;fy pNn]v ePaf6 k|i6 x'G5 . o;}u/L ldl;n ;+nUg k|x/Lsf] k|ltj]bg, ;e{]o/sf] k|ltj]bg, ;h{ldg tyf lgj]bgsf] Joxf]/f ;d]tdf pBf]udf cfunfuL ePsf] Joxf]/f kfOG5 . o; k|sf/ k|:t't aLdfn]vn] uf]bfdsf] aLdf u/]sf] cj:yf / cfunfuLaf6 uf]bfddf /x]sf] ;fdfg Iflt ePsf] ge} pBf]udf ePsf] d]lzg / ;fdfgx? Iflt ePsf] k|i6 b]lvG5 . o; cj:yfdf pQm bfjL aLdfn]vsf] k|fjwfg cGtu{t gkg{] egL aLdsn] bfjL c:jLsf/ u/]sf]nfO{ cGoyf eGg ldNg] cj:yf gb]lvPsf]n] lgj]bssf] ldlt @)%*.%.@& sf] lgj]bg aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn df3 @$ ut] /f]h ^ z'ed\=========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L /fhg >]i7 >L g]zgn nfOkm P08 hg/n O=s+=ln= j8f g+= !^, klxsf]6f]n, v'lza' nflhDkf6, sf7df8f}+ . nflhDkf6, sf7df8f}+ .

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != sf7df8f}+ lhNnf sf=d=kf=j8f g+= !^ klxsf] 6f]n v'lza' lgjf;L d /fhg >]i7sf] gfpFdf btf{ ePsf] af=!h %^!% sf] df?tL 6\ofS;Laf6 ldlt @)%*.$.% ut] z'qmaf/sf lbg cGbfhL /ftL !@.! ah]lt/ 3/leq /fv]sf] uf8Lsf] bfofF efusf] l;;f km'6fO{ uf8Ldf h8fg ePsf] :oflgof] Sof;]6 Kn]o/ ;d]t rf]/L nu]sf] Joxf]/f hfgsf/L u/fpg rfxG5' . d}n] g]zgn nfOkm P08 hg/n O=s+=ln= nflhDkf6af6 aLdfn]v g+=Pr=cf]. !).hL!@(&.Pd l; le !#.&&! Pr=cf].!).hL!@(&.Pd l; le . cf/=O=!$.&%) af6 uf8Lsf] aLdf u/]sf] / gjLs/0f ;d]t ub{} cfPsf] Joxf]/f >Ldfg\ ;dIf hfgsf/L u/fpg rfxG5' . 36gf kZrft\ d}n] k'nL;nfO{ hfgsf/L u/fPsf] / ;e{]o/nfO{ ;d]t k|ToIf b]vfPsf] Joxf]/f cg'/f]w 5 . dnfO{ Ifltk"lt{ pknAw u/fO{ kfpF egL g]zgn nfOkm P08 hg/n O=s+=ln=df lgj]bg btf{ ug{ hfFbf lgj]bg g} btf{ ug{ gdfg]sf], aLdf ;ldltdf l;sfot ug{ hfg' 5 eg] hfg' egL dnfO{ ?vf] Joxf]/f u/]sf] x'Fbf dnfO{ cGofo ePsf] x'Fbf Gofo tyf Ifltk"lt{ pknAw u/fO{ kfpF eGg] Joxf]/fsf] lgj]bs /fhg >]i7sf] ldlt )%*.%.^ sf] lgj]bg . @= Ifltk"lt{ pknAw u/fO kfpF egL To; sDkgLdf oyfy{ Jofxf]/fsf] lgj]bg btf{ ug{ hfFbf lgj]bg g} btf{ ug{ gdfg]sf], aLdf ;ldltdf l;sfot ug{ hfg' 5 eg] hfg' elg ?vf] Jojxf/ u/L cGofo ePsf] x'Fbf Gofo tyf Ifltk"lt{ kfpF eGg] ;d]t Joxf]/fsf] plNnlvt ph'/L lgj]bg kg{ cfPsf]n] ;f] ;DaGwdf s] s;f] eP u/]sf] xf], ;f] lnlvt hjfkmsf ;fy tT;DaGwdf eP u/]sf sfd sf/jfxL ;DaGwL sfuhft tyf ljj/0f ;d]t kq k|fKt ldltn] !% -kGw|_ lbg leq ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%*÷^÷@@ sf] kqaf6 lgb{]zg . #= ToxfFsf] kq sf=lg=zf=^#.)%*.%( r=g+=()# af6 >L /fhg >]i7Ho"sf] af=!=h=%^!% 6\ofS;L 3/leq /fv]sf] a]nf uf8Lsf] bfofF efusf] l;;f km'6fO{ Æ:oflgof] Sof;]6 Kn]o/Æ rf]/L ePsf] eGg] Joxf]/f cjut eof] . xfd|f] bfjL /lhi6/ cg';f/ lgh /fhg >]i7Ho"af6 pk/f]Qm Joxf]/fsf] lgj]bg o; sfof{nodf gk/]sf] Joxf]/f hfgsf/L u/fpFb5f}+ . ;fy} lghsf] 6\ofS;L Jofj;flos aLdf kf]ln;L cGtu{t aLdf ePsf] tyf Jofj;flos aLdf kf]lnl;sf] kl/R5]b ! qm=;+=@ -s_ df rf]/L bfjL ;DaGwdf lgDg Joj:yf ePsf] ;d]t cg'/f]w ub{5' . kl/R5]b ! qm=;+=@ sDkgL lgDg cj:yfdf e'Qmfg lbg afWo x'g] 5}g . s_ kl/0ffd :j?ksf] xfgL, rng rNtLaf6 ePsf] ¥xf;, oflGqs jf ljB'tLo q'6L ?sfj6 jf gf]S;fgL . To:t} clt ef/ -cf]e/ nf]l8ª_ k|of]usf] rfk -:6«]g_ uf8Lsf] AjfOn/ lj:kmf]6gåf/f ePsf] Iflt tyf 8s}tL jf gsjhgL jf rf]/Låf/f kf6{k"hf{sf] xfgL–gf]S;fgL -uf8L g} rf]/L ePdf afx]s_ eGg] aLdssf] ldlt @)%*.^.#) sf] lnlvt hjfkm .

$= sf7df8f}+ dxfgu/kflnsf j8f g+= !^ gofF ahf/ lgjf;L d /fhg >]i7n] ldlt )%*.%.^ sf lbg aLdf ;ldltsf] gfpFdf Ifltk"lt{ pknAw u/fO{ kfpF egL lgj]bg btf{ u/fPsf] . pQm ;dodf uf8Lsf] kmf]6f] k]z ug{ 5'6 ePsf] x'Fbf $ k|lt kmf]6f] o;} lgj]bg;fy k]z u/]sf] 5' . ;fy} d}n] @)%*.$.& sf lbg >Ldfg\ sfof{no k|d'vHo" g]zgn nfOkm P08 hg/n OG:of]/]G; sDkgL ln= sf] gfpFdf ;Daf]wg u/L n]v]sf] lgj]bg pQm sfof{nosf k|d'vn] lgj]bg btf{ g} ug{ gdfg]sf] x'Fbf aLdf ;ldltdf btf{ g+=#(% ldflt @)%*.$.@( df btf{ u/fPsf] Joxf]/fsf] kmf]6f]skL ;d]t ;+nUg u/]sf] Joxf]/f cg'/f]w ub{5' eGg] lgj]bssf] ldlt @)%(.@.@ sf] lgj]bg . %= lgj]bs /fhg >]i7sf] af=!h %^!% sf] df?tL 6\ofS;Lsf] l;;f km'6fO{ Æ:oflgof] Sof;]6 Kn]o/Æ ;d]t rf]/L ePsf] Ifltk"lt{ bfjL ;DaGwdf To; sDkgLaf6 hf/L ul/Psf] aLdfn]v g+= Pr=cf]. !).hL!@(&. Pd l; le !#.&&! df :oflgof] Sof;]6sf] ?=!),))).– ;Ddsf] bfloTj jxg ug{] 5'§} pNn]v ePsf] 5 . pQm aLdfn]vaf6 pk/f]Qm Sof;]6 ;f] 6\ofS;Lsf] kf6{k"hf{ eGg gldNg] k|i6 ePsf] kl/Iodf s'g sfg"gL cfwf/df sDkgL e'QmfgL lbg afWo x'g] 5}g eGg] pNn]v ul/Psf] xf] < kq k|fKt ldltn] & -;ft_ lbgleq ;ldlt ;dIf k]z ug{ aLdsnfO{ ;ldltsf] ldlt @)%(.%.@$ sf] kqaf6 lgb{]zg . ^= aLdf k|:tfj kq cg';f/ 6\ofS;L ld6/ tyf :oflgof] Sof;]6 Jn]o/ ;dfj]z ePsf] pk/f]Qm 6\ofS;L aLdf /sd ?=^,%%,))).– df aLdf ul/lPsf] xf] . bfjL k|of]hgsf] nflu ;dfj]z ld6/nfO{ ?= @#,))).– / Sof;]6 Kn]o/nfO{ ?= !),))).– df d"NofÍg ul/Psf] xf] . aLdf kf]ln;L kl/R5]b ! cg';f/ lgDg k|fjwfg ePsf] k'gM cg'/f]w ub{5f}+ . qm=;+=@ sDkgL lgDg cj:yfdf e'Qmfg lbg afWo x'g] 5}g . s_ kl/0ffd :j?ksf] xfgL, rng rNtLaf6 ePsf] ¥xf;, oflGqs jf ljB'tLo q'6L ?sfj6 jf gf]S;fgL . To:t} clt ef/ -cf]e/ nf]l8ª_ k|of]usf] rfk -:6«]g_ uf8Lsf] AjfOn/ lj:kmf]6gåf/f ePsf] Iflt tyf 8s}tL jf gsjhgL jf rf]/Låf/f kf6{k"hf{sf] xflg gf]S;fgL -uf8L g} rf]/L ePdf afx]s_ eGg] aLdssf] ldlt@)%(.%.#) sf] lnlvt hjfkm . &= pQm af=!h %^!% sf] 6\ofS;Lsf] :oflgof] Sof;]6 Kn]o/ rf]/L ePsf] aLdf bfjL ;DaGwdf ldl;n ;+nUg sfuhftaf6 j8f k|x/L sfof{no n}grf}/sf] ldlt )%*.$.& sf] kq ;d]t ;+nUg /x]sf] Joxf]/f v'nfO{ pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{' gkg{] af/] To; sDkgLsf] cGo ljj/0f tyf sfuh k|df0f eP lnlvt hjfkmsf ;fy ;f] ;d]t kq k|fKt ldltn] & -;ft_ lbg leq o; ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷(÷$ sf] kqaf6 lgb{]zg . *= o; ljifodf kmfOn cWoog ubf{ pk/f]Qm 6\ofS;L Jofj;los aLdfn]v g+= cGtu{t ldlt !^.^.@))) b]lv !%.^.@))! ;Dd aLdf ePsf] b]lvof] t/ lgh aLldtaf6 xfn;Dd s'g} bfjL gk/]sf] Joxf]/f k'gM cg'/f]w ub{5f}+ . Jofj;flos uf8Lsf] aLdf kf]nL;L kl/R5]b ! qm=;+= @ -s_ df pNn]v eP adf]lhd uf8L g} rf]/L ePdf afx]s cGo xsdf uf8Lsf] kf6{k"hf{ rf]/L e} xfgL–gf]S;fgL ePdf ;f]sf] Ifltk"lt{ lbg sDkgL afWo gx'g] pNn]v ePsf] eGg] aLdssf] ldlt @)%(.(.!) sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlwleq} aLdf ul/Psf] df?tL 6\ofS;Laf6 :oflgof] Sof;]6 Kn]o/ rf]/L ePsf] k|:t't ljjfbdf aLdf bfjL ug{ hfFbf aLdsn] lgj]bg btf{

gu/]sf] tyf aLdf ul/Psf] ;fdfg rf]/L ePsf]n] ;f]sf] bfjL kfpF eGg] lgj]bssf] egfO{ /x]sf] kfOG5 eg] aLldtn] bfjL gu/]sf] / aLdn]vsf] kl/R5]b ! qm=;+= @ -s_ sf] k|fjwfg adf]lhd sDkgLsf] bfloTj leq gkg{] eGg] aLdssf] egfO{ /x]sf] kfOof] . o; cj:yfsf] k|:t't ljjfbdf aLdfn]v cGtu{t lgj]bsn] bfjL e'QmfgL kfpg' gkg{] ;DaGwdf lg0f{o ug{'kg{] b]lvof] . o;/L lg0f{o tkm{ ubf{ ldl;n ;+nUg aLdfn]vdf ls6fgL;fy :oflgof] Sof;]6 ?= !),))).– pNn]v u/L aLdf ePsf] k|i6 b]lvPsf] / lgj]bsn] pQm 36gfsf] hfgsf/L ;dod} k|x/L ;dIf lbPsf] ldl;n ;+nUg k|x/Lsf] k|ltj]bg ;d]tsf cfwf/df xfgL–gf]S;fgL eO{ bfjL u/]sf] cj:yf b]lvof] . aLdfn]v cGtu{t bfjL e'QmfgL ug{ c:jLsf/ u/]sf] aLdssf] egfO{ 6\ofS;Lsf] kf6{k"hf{sf] xsdf cfslif{t x'g ;Sg] cj:yf /x]tf klg cnUu} aLdfÍ sfod ul/Psf] Sof;]6 Kn]o/sf] xsdf ;d]t nfu" x'g] u/L dfGotf lbg ldNg] b]lvPg . o;y{, aLdfn]vsf] zt{ tyf ;'ljwf adf]lhd lgj]bssf] rf]/L ePsf] :oflgof] Sof;]6 Kn]o/sf] bfjL e'QmfgL ug{' egL aLds g]zgn nfOkm P08 hg/n OG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn df3 @$ ut] /f]h ^ z'ed\==========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd >L /fh]z d]6n qmfkm\6\; ln= >L g]zgn nfOkm P08 hg/n O=s+=ln= 6]s' /f]8, sf7df8f}+ . sflGtky, sf7df8f}+ .

d'2f M– :6«f]d aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != o; pBf]un] Storm sf] Iflt lj?4 Pe/]i6 OG:of]/]G; sDkgL ln=sf] kf]ln;L g+=(^÷(&÷Pkm cfO÷!%%) ldlt !&.)&.@))@ af6 aLdf u/fPsf] / ldlt )%(.)!.!^ df Storm af6 Iflt ePsf] / To; aLdf sDkgLsf]

;e{]o/ ;f6f OlGhgLol/Ë P;f]l;P6\;n] ;e{] u/L ldlt )%(.)!.@( df Joint memo ;d]t lbO;s]sf] lyof] .

kmf]gaf6 k6s–k6s ;Dks{ /fVbf a]jf:tf u/]sf]n] kl5 ldlt )%(.)^.!) df lnlvt tfs]tf kq lb+bf ;d]t s'g} lsl;dsf] hjfkm glbPsf]n] pQm sDkgLsf] lgot dfly z+sf nflu xfd|f] Ifltsf] k"lt{ u/fO lbg' x'g cfjZos kf]ln;L skL, ;e{]o/ ;f6f OlGhlgol/Ë P;f]l;P6\;sf ] Joint memo slk / tfs]tf kqsf] k|ltlnlk ;d]t ;+nUg u/L of] lgj]bg k]z u/]sf 5f}+ eGg] Joxf]/fsf] /fh]z d]6n qmfkm\6\; ln=sf] ldlt @)%(.&.$ sf] lgj]bg . @= /fh]z d]6n qmfkm\6\ ln=df ldlt @)%(.!.!^ ut] cfFwLa]/L / cl;gfsf] sf/0fn] sf/vfgfsf] ;]8df Iflt ePsf] cfjZos ;]8 dd{t u/]sf] ljn cljnDa k7fO{ bfjL km5\of}{6 ug{] sfo{df ;xof]u u/L lbg' x'g eGg] lgj]bsnfO{ n]v]sf] aLds Pe/]i6 OG:of]/]G; sDkgL ln=sf] ldlt @)%(.&.$ sf] ;ldltdf k|fKt af]wfy{ kq . #= o; pBf]usf] Effective Policy ;fwf/0f clUg aLdf cGtu{t aLdf ul/Psf]tkm{ Wofgfsif{0f u/fpg rfxG5f}+ . To; sDkgLaf6 dfu eO{ cfPsf] ljn ekf{O{ xfdLnfO{ 1ft eP cg';f/ cfjZos gkg{] / ToxfFaf6 pNn]lvt kq eGbf cufl8;Dd dfu gePsf] s'/f oxfFnfO{ cjut u/fpg rfxG5f}+ . pQm Effective Policy, Reinstatement

Value Policy sf] cfwf/df hf/L ul/Psf] eP xfdLn] To; sDkgLnfO{ Ifltu|:t ;DklQsf] k'g:yf{kgf ul/;s]kl5 hfgsf/L lbg'sf ;fy} lan ekf{O{ k]z ug{'kg{] x'GYof] t/ ;f] cg';f/ gePsf] x'Fbf lan ekf{O{ k]z gul/Psf] xf] . olb xfdLn] lan ekf{O{ k]z ug{' k5{ eg] s] s:tf] / s'g cfwf/df k]z ug{'kg{] xf] / o; pBf]un] aLdf ;ldltdf ph'/ u/L ;s] kZrft k"jf{u|x k"0f{ tl/sfaf6 lsg lan dfu ul/Psf] xf], ;f] hfgsf/L lbg' x'g cg'/f]w 5 . aLdf lgodfjnL, @)$( sf] bkmf #@ sf] pkbkmf $ cg';f/ ;e{]o/n] Report lbPsf] #% lbg leq bfjL km5\of}{6 u/L e'QmfgL k7fpg' kg{]df nueu !%) lbg lalt ;Sbf klg xfn;Dd bfjL km5\of{}6 gePsf]n] Dofb gf3]sf] afFsL cjlwsf] rng rNtL cg';f/sf] Jofh ;d]t u0fgf u/L oyflz3| e'QmfgL k7fO{ lbg' x'g eGg] aLdsnfO{ n]v]sf] lgj]bssf] ldlt @)%(.&.* sf] ;ldltdf k|fKt af]wfy{ kq . $= pk/f]Qm bfjL km5\of}{6sf] ;DaGwdf xfdLn] aLldt /fh]z d]6n qmfkm\6\;;+u s]xL sfuhft -dd{t u/]sf] ljn cflb_ dfu u/]sf]df xfn;Dd /fh]z d]6n qmfkm\6\;n] dfu ePsf] sfuhft o; sDkgLdf ga'emfPsf]n] bfjL km5\of}{6 x'g g;s]sf] xf] . dfly pNn]v ePsf] sfuhft a'emfpg aLldt /fh]z d]6n qmfkm\6\;nfO{ ldlt @)%(.&.$ df kq n]lvPsf] tyf df}lvs ?kdf klg k6s–k6s hfgsf/L u/fO{ ;lsPsf] 5 . pQm kqsf] k|lt aLdf ;ldltnfO{ klg lbOPsf] lyof] . xfdLn] dfu u/]sf] sfuhft k|fKt ePkl5 cljnDa bfjL km5\of{}6 ul/g] Joxf]/f hfgsf/L u/fOG5 eGg] aLdssf] ldlt @)%(.&.@^ sf] lnlvt hjfkm .

%= aLdf ;ldltsf] ldlt @)%(.&.!% sf] kqsf] Pe/]i6 OG:of]/]G; sDkgL ln=af6 k7fPsf] hjfkmsf] gSsn k|ltlnlk pknAw u/fO lbg' x'g eGg] lgj]bssf] ldlt @)%(.&.!) sf] lgj]bg . ^= Pe/]i6 OG:of]/]G; sDkgL ln=sf] kq ;+=#%(.O{=cfO{=;L=.)%(.)^) ldlt @)%(.&.@^ sf] gSsn k|lt k|fKt eO{ Joxf]/f cjut eof] . tT;DaGwdf Pe/]i6 OG:of]/]G; sDkgL ln=n] aLdf ;ldltsf] ldlt @)%(.&.!% ut]sf] kqsf] hjfkmdf /fh]z d]6n qmfkm\6\; ln=;+u s]xL sfuhft -dd{t u/]sf] ljn_ dfu u/]sf] / ;f] k|fKt ePkl5 bfjL km5\of}{6 ug{] Joxf]/f pNn]v u/L To; aLdf ;ldltdf kq btf{ u/fPsf]df o; >L /fh]z d]6n qmfkm\6; ln=n] Pe/]i6 OG:of]/]G; sDkgL ln=sf] ldlt @)%(.&.$ sf] kqaf6 dfu u/]sf] ljnsf] af/]df ldlt @)%(.&.* df ;Dk"0f{ Joxf]/f pNn]v u/L ljnsf] ;DaGwdf ;fwf/0f clUg aLdf kf]ln;L cGtu{t aLdf u/fPsf]n] lan dfUg'sf] s'g} cf}lrTo gePsf] Joxf]/f cg'/f]w u/]sf] / kl5 To; aLdf ;ldltsf] ldlt @)%(.&.!% sf] kqaf6 To; OG:of]/]G; sDkgLdf kqfrf/ ubf{ k'gM ljn s} af/]df s'/f p7fpg'n] ;f] sDkgLsf] lgot o; /fh]z d]6n qmfkm\6\; ln=nfO{ bfjL km5\of}{6 gug{] dfq geO{ To; aLdf ;ldltnfO{ ;d]t cFWof/f]df /fvL cGof}n l;h{gf ug{ nfu]sf] h:tf] o; pBf]un] dx;'; u/]sf] . o; pBf]usf] dfq geO{ c? hf] ;'s}n] klg olb ;fwf/0f clUg aLdf kf]ln;L cGtu{t aLdf u/fPsf] 5 eg] s] lgodfg';f/ dd{t u/]sf] lan ekf{O{ clgjfo{ k]z ug{} kg{] x'G5 / olb dd{t u/]sf] 5}g jf ljn ekf{O{ 5}g eg] kLl8t kIfn] Ifltk"lt{ kfpg] jf gkfpg] ;d]tsf] hfgsf/L kfpg] cfzf /fvL To; OG:of]/]G; sDkgLaf6 hfgfhfg ul//x]sf] l9nfO{ / To; ;Ddflgt aLdf ;ldltnfO{ cNdnfpg] s'/f k|i6 ePsf] / o:t} xf] eg] hgdfg;df aLdf Joj;fo k|lt cljZjf; pTkGg x'g ;Sg] o; /fh]z d]6n qmfkm\6\; ln=nfO{ nfu]sf] s'/f cjut u/fpg rfxG5f}+ . t;y{ To; Pe/]i6 OG:of]/]G; sDkgL ln=af6 ;Sbf] rfF8f] eGbf rfF8f] o; pBf]usf] kq ldlt @)%(.&.* af6 dfu u/] cg';f/sf] Ifltk"lt{sf] bfjL km5\of}{6 u/fO lbg' x'g eGg] lgjbssf] ldlt @)%(.&.!) sf] lgj]bg . &= o; sDkgLsf] ldlt sflQ{s $,@)%(k=;+=#)#÷O=cfO{=;L÷)%(÷)^) sf] kq k|fKt eO{ cjut eof] xf]nf . kq cg';f/ sDkgLaf6 dfu ul/Psf] ;]8 dd{t ljn xfn;Dd klg k|fKt gePsf] x'Fbf bfjL km5\of}{6 ug{] sfo{df l9nfO{ x'g uPsf] x'Fbf ;f] ;]8 dd{t ul/Psf] ljn cljnDa k7fO{ bfjL km5\of{}6 ug{] sfo{df ;xof]u ul/lbg' x'g eGg] aLdsn] lgj]bsnfO{ n]v]sf] ldlt @)%(.*.!( sf] ;ldltdf k|fKt af]wfy{ kq . *= To; sDkgLsf] k=;+=#)#.O=cfO{=;L=)%(.)^) ldlt )%(.)&.)$ sf] kq ;DaGwdf o; pBf]usf] Effective

Policy ;fwf/0f clUg aLdf cGtu{t aLdf ul/Psf] tkm{ Wofgfsif{0f u/fpg rfxG5f}+ . To; sDkgLaf6 dfu eO{ cfPsf] ljn ekf{O{ xfdLnfO{ 1ft eP cg';f/ cfjZos gkg{] / ToxfFaf6 pNn]lvt kq eGbf cufl8;Dd dfu gePsf] s'/f oxfFnfO{ cjut u/fpg rfxG5f}+ . pQm Effective Policy, Reinstatement Value Policy sf] cfwf/df hf/L ul/Psf] eP xfdLn] To; sDkgLnfO{ Ifltu|:t ;DklQsf] k'g:yf{kgf ul/;s]kl5 hfgsf/L lbg'sf ;fy} lan ekf{O{ k]z ug{'kg{] x'GYof] t/ ;f] cg';f/ gePsf] x'Fbf ljn ekf{O{ k]z gul/Psf] xf] . olb xfdLn] ljn ekf{O{ k]z ug{' k5{ eg] s] s:tf] / s'g cfwf/df k]z ug{'kg{] xf] / o; pBf]un] aLdf ;ldltdf ph'/ u/L ;s] kZrft k"jf{u|x k"0f{ tl/sfaf6 lsg ljn dfu ul/Psf] xf], ;f] hfgsf/L lbg' x'g cg'/f]w 5 . aLdf lgodfjnL, @)$(

sf] bkmf #@ sf] pkbkmf $ cg';f/ ;e{]o/n] Report lbPsf] #% lbg leq bfjL km5\of}{6 u/L e'QmfgL k7fpg'

kg{]df nueu !%) lbg lalt ;Sbf klg xfn;Dd bfjL km5\of}{6 gePsf]n] Dofb gf3]sf] afFsL cjlwsf] rng rNtL cg';f/sf] Jofh ;d]t u0fgf u/L oyflz3| e'QmfgL k7fO{ lbg' x'g eGg] lgj]bsn] aLdsnfO{ n]v]sf] ldlt @)%(.&.* sf] ;ldltdf k|fKt af]wfy{ kq .

(= To; sDkgLsf] k=;+=$$^.O=cfO{=;L=)%(.)^) ldlt )%(.)*.!( sf] kq k|fKt eof] / ;f] kqdf pNn]lvt To; sDkgLsf] ldlt sflt{s $,@)%(k=;+=#)#÷O=cfO{=;L÷)%(÷)^) sf] hjfkm xfdLn] ldlt )*).)&.@)%( df To; sDkgLdf btf{ g+=!(* af6 a'emfO{ ;s]sf] Joxf]/f -;+nUg k|ltlnlk_ cjut u/fpgsf ;fy} pQm kqsf] xfdLn] xfn;Dd klg s'g} klg hjfkm k|fKt gePsf] hfgsf/L u/fpFb5f}+ . k'gZrM o; pBf]usf] effective policy ;fwf/0f clUg aLdf cGtu{t aLdf ul/Psf] tkm{ Wofgfsif{0f u/fpg rfxG5f}+ . olb xfdLn] lan ekf{O{ k]z ug{'kg{] xf] eg] s], s:tf] / s'g cfwf/df k]z ug{'kg{] xf] ;f]sf] af/]df k|i6 hfgsf/L lbg' x'g k'gM cg'/f]w 5 eGg] lgj]bsn] aLdsnfO{ n]v]sf] ldlt @)%(.*.@) sf] ;ldltdf k|fKt af]wfy{ kq . !)= o; aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{' gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm ;d]t kq k|fKt ldltn] & -;ft_ lbg leq o; ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷(÷!@ sf] kqaf6 lgb{]zg . !!= o; ;DaGwdf To:t} k|sf/sf] csf{] sf/vfgf /fh]z cfn'ldlgoddf klg Ps} k|sf/sf] bfjL -x'/L atf;sf] sf/0faf6_ ;f]xL ldltdf kg{ cfPsf] sf/0faf6 bfjL km5\of{}+6 ug{ dd{t u/]sf] ljn aLldt;+u dfu ul/Psf] lyof] . t/ /fh]z cfn'ldlgodaf6 lan k|fKt eO{ bfjL km5\of{}6 ug{] sf/jfxL eO{ /x]sf] tyf /fh]z d]6n qmfkm\6;;+u dd{t u/]sf] ljn dfu ul/Psf]df xfn;Dd klg k|fKt gePsf] x'Fbf bfjL km5\of{}6 ug{ l9nfO{ eO/x]sf] Joxf]/f hfgsf/L u/fpFb5f}+ eGg] aLdssf] ldlt @)%(.(.@@ sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} aLdf ul/Psf] ;DklQ Iflt ePsf]df ;d]t s'g} ljjfb g/x]sf] k|:t't ljjfbdf ;e{]o/n] xfgL–gf]S;fgL d"NofÍg u/L lbPsf] hfgsf/L (Token) adf]lhdsf] /sd kfpg' kg{] eGg] lgj]bssf] egfO{ /x]sf] / gf]S;fgLsf] dd{t ubf{ nfu]sf] lan ekf{O{ k]z ePkl5 dfq bfjL e'QmfgL ug{] eGg] aLdssf] egfO{ /x]sf] kfOof] . o; cj:yfsf] k|:t't ljjfbdf ;fwf/0f clUg aLdfn]v cGtu{t aLdf ePsf] ;DklQsf] Ifltk"lt{ e'QmfgLsf nflu lan ekf{O{ cfjZos eP geP tkm{ x]l/ lg0f{o ug{'kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ ;fwf/0f clUg aLdfn]v cGtu{t aLdf ePsf] ;DklQ xfgL–gf]S;fgL ePsf] cj:yfdf aLldtn] ;f] ;DklQsf] Ifltk"lt{ k|fKt u/L cfkm\gf] ;DklQ dd{t ;+ef/ ug{] gug{] clwsf/ aLldt;+u ;'/lIft /xG5 . o; cj:yfdf aLdsn] dd{t ;+ef/sf] ljn dfu u/]sf]nfO{ dfGotf lbg ldNg] b]lvPg . o;y{, lgj]bsnfO{ ;e{]o/sf] d"NofÍg adf]lhd aLdn]vsf] zt{ tyf ;'ljwfsf] clwgdf /xL bfjL e'QmfgL lbg' egL aLds Pe/]i6 PG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn df3 @$ ut] /f]h ^ z'ed\========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd >L af/fxL art tyf C0f ;xsf/L ;+:yf k|f=ln= >L PnfOG; OG:of]/]G; sDkgL ln= uMknL, eQmk'/ -6«nLa; kfs{_ b/af/dfu{, sf7df8f}+ .

d'2f M– df]6/;fOsn aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != o; ;+:yfgaf6 ;b:o C0fL >L aL/]Gb| uf]kfn >]i7 -e]n]_ nfO{ xfo/ kr{]h cGtu{t C0f nufgL u/L o; ;+:yfsf] gfpFdf /x]sf] af!@k %^() sf] 8fOË df]6/;fO{sn ldlt @)%*.*.!% sf lbg blIf0fsfnL uf=lj=;= j8f g+= ! l:yt c;f]sf xf]6ndf /x]sf] Uof/]hdf cfunfuL eO{ k"0f{?kdf Iflt ePsf]n] aLdf bfjLsf] nflu ;f]xL lbg km\ofS;af6 hfgsf/L lbO{ )%*.*.!^ ut] dfu bfjL u/]sf]df pQm bfjL gk'Ug] egL PnfOG; OG:of]/]G; sDkgL ln=af6 r=g+= !&(@.)%*.)%( sf] kq k|fKt eof] . ;f] k|fKt kq cg';f/ pQm aLdf sDkgLn] u/]sf] lg0f{o lrQ ga'lem o; ;+:yfsf] bfjL dfu cg';f/ aLdf bfjL e'QmfgL kfpg of] ph'/L btf{ ug{ cfPsf 5f}+ . tt\;DaGwdf pQm aLdf sDkgLdf aLdf u/]sf] af!@k %^() sf] df]6/;fOsn cfunfuL eO{ tTsfn hfgsf/L lbO{ bfjL u/]sf]df pQm sDkgLsf] ;e{]o/ z'enfn >]i7 dfkm{t lg/LIf0f ubf{ cfunfuL eO{ df]6/;fOsn sfd} gnfUg] ePsf] xf] egL lg/LIf0f k|ltj]bg k]z u/]sf]df sDkgLnfO{ ;f] lrQ ga'emL k'/} bfjLsf] x'Fbf k'g OlGhlgo/ lzjrGb| zfvnfO{ ;e{] lg/LIf0f k7fpFbf lghn] klg ;f]xL Joxf]/fsf] k|ltj]bg ldlt )%*.!@.! ut] k]z u/]sf] hfgsf/L k|fKt ePsf] lyof] . ;+:yfsf] dfu bfjL cg';f/ k|ltj]bs ;e{]o/n] k|ltj]bg k]z ubf{ klg sDkgLn] aLdfn]vsf] kl/R5]b ! df pNn]lvt ePsf] zt{gfdf cg';f/ bfjL gk'Ug] u/L lg0f{o ul/Psf] sDkgLsf zt{gfdf tyf aLdf P]g ljkl/t b]lvG5 . aLdfn]vsf] kl/R5]b ! sf] bkmf @-v_ df cfuhgL jfXo la:kmf]6g, :jhng, r6\ofË, t'iff/f], rf]/Låf/f ePsf] xfgL–gf]S;fgLdf Ifltk"lt{ k|bfg ug{]5 egL pNn]v ePsf] kfOG5 . t;y{, df]6/;fOsn aLdf ubf{ pQm df]6/;fOsnsf] Aofks xfgL–gf]S;fgLsf] aLdf u/]sf] x'Fbf aLdf P]g tyf sDkgLsf] zt{gfdf k|lts'n sDkgLn] u/]sf] lg0f{o ab/ efuL 5, ;fy} sDkgLaf6 ;e{] lg/LIf0f ug{ cfpg] b'j} ;e{]o/n] lg/LIf0f 6f]sg pknAw u/fPsf] 5}g . @= ;f] aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] < oyfy{ ljj/0f vf]nL] lnlvt hjfkm ;lxt pQm aLdf bfjL ;DaGwdf eP u/]sf sfd sf/jfxL;+u ;DalGwt ;Dk"0f{ sfuhft !% -kGw|_ lbg leq ;ldlt ;dIf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷#÷@! sf] kqaf6 lgb{]zg . #= pQm bfjLsf] ;DaGwdf bfjLstf{åf/f k]z ul/Psf] ;Dk"0f{ sfuhft tyf aLdfn]vsf] cWoog ubf{ pQm Iflt Ækl/0fd :j?ksf] xfgL tyf ljB'tLo sf/0faf6 ePsf] cyf{t cfunfuLsf] sf/s tTj bIfL0fsfnL l:yt czf]s xf]6n ePsf] x'FbfÆ aLdfn]vsf] kl/R5]b ! sf] @-s_ df pNn]v ePsf] zt{gfdf cg';f/ ÆsDkgL lgDg cj:yfdf e'QmfgL lbg afWo x'g] 5}gÆ elg pNn]v eP cg';f/ o; sDkgLåf/f ul/Psf] lg0f{o sfg"g ;Ddt g} ePsf] hfgsf/L u/fpFb5f}+ eGg] aLds PnfOG; OG:of]/]G; sDkgL ln=sf] ldlt @)%(.$.@@ sf] lnlvt hjfkm .

$= ;ldltsf] ldlt @)%(.#.@! sf] kqaf6 dfu ul/Psf] ;Dk"0f{ sfuhft ;e{] k|ltj]bgsf] k|dfl0ft k|ltlnlk, aLdfn]v ;d]t & -;ft_ lbgleq o; ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷$÷#) sf] kqaf6 lgb{]zg . %= ;e{] k|ltj]bgsf] k|ltlnlk aLdfn]vsf] k|ltlnlk k7fOPsf] aLdssf] ldlt @)%(.%.@% sf] kq . ^= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{' gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm tyf ljj/0f eP ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL eP u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t & -;ft_ lbg leq o; ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!)÷@@ sf] kqaf6 lgb{]zg . &= pQm bfjLsf] ;DaGwdf pQm Iflt Ækl/0fdf :j?ksf] xfgL tyf ljB'tLo sf/0faf6 ePsf] cyf{t cfunfuLsf] sf/stTj blIf0fsfnL l:yt c;f]s xf]6n ePsf] x'Fbf aLdfn]vsf] kl/R5]b ! sf] @-s_ df pNn]v ePsf] zt{gfdf cg';f/ ÆsDkgL lgDg cj:yfdf e'QmfgL lbg afWo x'g] 5}gÆ egL pNn]v ePsf] egL o; sDkgLsf] ldlt @)%(.$.@@ df n]lvPsf] kqaf6 hfgsf/L u/fO{ ;lsPsf]n] pQm bfjLsf] ;DaGwdf o; sDkgLaf6 ePsf] sfo{ sfg"g ;Ddt ePsf] eGg] aLdssf] ldlt @)%(.!!.$ sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 k|:t't aLdf bfjL ;DaGwL d'2fdf df]6/

;fOsnsf] aLdf ePsf] / aLdf cjlw leq} pQm df]6/ ;fOsndf cfunfuL eO{ Iflt ePsf]df ;d]t s'g} ljjfb b]lvPg . aLdfn]v cGtu{t aLdf bfjL kfpg' kg{] lgj]bssf] egfO{ /x]sf]df aLdfn]vsf] kl/R5]b ! sf] @ -s_ cGtu{t aLdf bfjL e'QmfgL ug{' gkg{] eGg] aLdssf] lhls/ /x]sf] kfOof] . o; cj:yfdf k|:t't aLdfn]v

cGtu{t aLdsn] df]6/ ;fOsnsf] aLdf bfjL e'QmfgL ug{' gkg{] tkm{ lg0f{o ug{' kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ hf/L ePsf] aLdfn]vsf] kl/R5]b ! sf] ! df sDkgLn] aLldtnfO{ lgDg sf/0faf6 x'g] df]6/;fOsn /÷jf o;df /x]sf kf6{k"hf{sf] xfgL–gf]S;fgL jf Iflt lj?4 Ifltk"lt{ k|bfg ug{]5 eGg] Joj:yf cGtu{t -v_ df cfuhgL, afXo lj:kmf]6g, :jhng ;d]t k|i6 pNn]v u/L aLdfn]v hf/L ePsf] kfOof] . ;e{] k|ltj]bgx? ;d]tdf df]6/;fOsn /flvPsf] Uof/]hsf] ljB'tLo jfol/Ëdf ;6{ eO{ cfunfuL ePsf] k'i6L ul/Psf] b]lvof] o; cj:yfdf aLdsn] df]6/ ;fOsnsf] oflGqs jf ljB'tLo ?sfj6 ePsf] cj:yfdf bfjL e'QmfgL ug{] 5}g eGg] Joj:yfnfO{ jfXo sf/f0faf6 ePsf] cfunfuL ;DaGwdf cfslif{t ug{ ldNg] s'/f :jhngaf6 Iflt ePsf] cj:yfdf ;d]t Ifltk"lt{ lbg] u/L hf/L ePsf] k|:t't aLdfn]v cGtu{t nfu" x'G5 eGg ldNg] b]lvPg . o;y{, lgj]bsnfO{ ;e{]o/sf] d"NofÍg adf]lhd aLdfn]vsf] zt{ tyf ;'ljwfsf] clwgdf /xL k'gM bfloTj lgwf{/0f u/L bfjL e'QmfgL lbg' egL aLds PnfOG; OG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn kmfu'g !$ ut] /f]h $ z'ed\=========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd c?0ff]bo l8li6n/L k|f=ln=sf] tkm{af6 >L g]zgn OG:of]/]G; sDkgL ln= jf= xl/ axfb'/ sfsL{ . lqk'/]Zj/, sf7df8f}+ .

d'2f M– ;]+wdf/L aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != aLds g]zgn OG:of]/]G; s+=ln=, Sn]d g+=BRJ/DO/75/01-02/575 kf]ln;L g+= BRJ/DO/7500236 aLldt c?0ff]bo l8li6n/L k|f=ln= ePsf] bfjLdf ;e{] ;d]t u/fO{ pk/f]Qm sDkgLn] cui6 !*, @))@ sf] kq cg';f/ Ækof{Kt ;'/Iff k|bfg gu/]sf] / cfly{s Iflt gePsf] cfwf/dfÆ bfjL c:jLs[t u/]sf] hfgsf/L lbPsf] 5 . hxfF;Dd kof{Kt ;'/Iff gk'¥ofPsf] eGg] k|Zg 5 of] cfwf/lxg xf] / pgLx?sf] aLdfn]vdf ;d]t #) lbg;Dd sf]xL gePsf] cj:yfdf dfq bfjL gnfUg] pNn]v 5 . ha ls xfdLn] ;'/Iff uf8{sf] Joj:yf u/L /fv]sf lyof} . ck|Toflzt sfd ljz]ifn] p s]xL lbgnfO{ aflx/ uPsf] / ToxL ;dodf pk/f]Qm 36gf 36]sf] x'Fbf aLdsn] xfd|f] bfjL c:jLsf/ ug{] cfwf/ b]lvb}g . emg\ aLdf ubf{ xfdLn] Proposal Form df sf/vfgf aGb /x]sf] cj:Yff ;d]t pNn]v u/]sf]df ;f] ;d]t s]/d]6 u/L jf:tljs k|df0f d]6fpg] k|of; u/]sf] s'/f ;d]t 5n{Ë b]lvG5 . >L % sf] ;/sf/sf] 5fk nfUg' eGbf cufl8 ePsf] dfbs kbfy{ tyf sRrfkbfy{df ePsf] nufgL / To;df k/]sf] nfutsf] s'g} d"No 5}g eGg] 7x/ s'g} ts{ Pj+ sfg"gdf cfwf/ gePsf] Joxf]/f :ki6 5 . ctM pk/f]Qm lgj]bg lhls/sf] cfwf/df d]/f] dfu bfjL :jLs[t ug{] cfb]z u/L kfpF eGg] Joxf]/fsf] lgj]bs c?0ff]bo l8li6n/L k|f=ln=sf] tkm{af6 jf=x/L axfb'/ sfsL{sf] ldlt @)%(.^.!$ sf] ph'/L lgj]bg . pQm bfjL ;DaGwdf s] s;f] eP u/]sf] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t !% -kGw|_ lbg leq ;ldlt ;dIf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷*÷!# sf] kqaf6 lgb{]zg . #= c?0ff]bo l8li6n/Lsf] ;DklQx? o; sDkgLsf] clUg aLdfn]v aL=cf/=h]=l8=cf]=.#!)^()@ tyf ;]+wdf/L aLdfn]v g+= aL=cf=h]=.l8=cf]=.&%))@#^ cGtu{t aLdf ul/Psf] Joxf]/fdf s'g} ljjfb 5}g . aLldt kIfåf/f ldlt )%*.!).!) tb\g';f/ @# hgj/L @))@ aLdf bfjLsf] kq k7fPsf] / kqdf l8li6n/Ldf rf}sLbf/ ldlt )%*.(.@& df cfkm\gf] sfd ljz]ifn] 3/ uPsf] / ldlt )%*.!).$ ut] kmls{ cfpFbf l8li6n/Lsf] 9f]sfx? tf]8kmf]8 u/L rf]/L ePsf] eGg] Joxf]/fsf] aLdf bfjL k]z ePkl5 o; sDkgLåf/f ;Ddflgt ;ldltaf6 Ohfht k|fKt ;e{]o/, >L cf/=lk=zdf{nfO{ ;e{]sf] nflu v6fOof] . ;e{]o/ kIfaf6 36gf:ynsf] :ynut j:t'l:ylt tyf aLldt kIfaf6 k]z ePsf sfuhftx? ;DaGwdf cfjZos hfFra'e'm tyf cg';Gwfg kl5 tof/ ul/Psf] ;e]{ l/kf{]6 sDkgLdf k]z ul/of] . ;e{]o/ kIfaf6 k]z ePsf] l/kf]6{ tyf aLldt kIfaf6 k]z ePsf] sfuhftx? cWoog ubf{ pNn]lvt l8li6n/L ldlt @)%#.!).!% ut] >L % sf] ;/sf/ cGtMz'Ns ljefuaf6 cGtMz'Ns glt/]sf] sf/0faf6 lznaGbL ul/Psf] hfgsf/L k|fKt x'g cfof] . t/ aLldt kIfåf/f >L % sf] ;/sf/ cGtMz'Ns ljefuaf6 lznaGbL ul/Psf] pNn]lvt l8li6n/L k|fljlws sf/0faz s]xL ;dosf] nflu aGb ePsf] eGg] Joxf]/fsf] em'6f] ljj/0f k]z u/L aLdf u/fPsf] tyf aLdfn]vsf] ljleGg zt{x? pNn+3g u/L aLdf ePsf] kfOPsf]n] o; sDkgL Ifltk"lt{sf] nflu pQ/bfoL gePsf] eGg] Joxf]/f aLldtnfO{ hfgsf/L u/fPsf] . aLdfsf] ;j{dfGo l;4fGt cg';f/ aLldt kIfåf/f aLdf ul/g] ;DklQx?sf] oyfy{ ljj/0fx? ;lxtsf] k|:tfj k]z u/]kl5 aLds kIfaf6 hf]lvdsf] d"NofÍg u/L aLdf ul/G5 . t/ o; aLdf ;DaGwdf aLldt kIfåf/f pNn]lvt l8li6n/L s'g} k|fljlws sf/0faf6 s]xL ;do pTkfbg /f]lsg uPsf] / kl5 pTkfbg z'? x'g] eGg]

Joxf]/fsf] 3f]if0ff k]z ul/Psf] / ;f]xL cfwf/df o; sDkgLaf6 aLdf ePsf] xf] . t/ aLldt kIfaf6 pNn]lvt l8li6n/L >L % sf] ;/sf/ cGtMz'Ns ljefuåf/f lznalGb ul/Psf] eGg] hfgsf/L k]z gu/L aLdf ul/Paf6 aLldt kIfaf6 aLdf s/f/sf] zt{ g+= $ sf] pNn+3g ePsf] 5 . ;]+wdf/L aLdf ubf{ aLldt kIfåf/f ;'/Iffsf] kof{Kt Joj:yf ug{'kg{] x'G5 . t/ o; aLdf ;DaGwdf aLldt kIfaf6 w]/} ;do;Dd hf]lvd :yn vfnL /fVg'af6 aLldt kIfåf/f ;DklQ xfgL–gf]S;fgL x'g] ;+efjgf k|lt s'g} rf;f] g/fv]sf] k|i6 x'G5 . To:t} pNn]lvt Iflt aLldt kIfsf] s'g} klg k|ltlglw jf rf}lsbf/ tyf sd{rf/L gePsf] ;dodf ePsf] b]lvG5 . w]/} kl/df0fdf /x]sf] dbL/fhGo kbfy{x? s'g} 5f]6f] ;dodf rf]/L u/]/ nfg ;Sg] cj:yf /xb}+g / aLldt kIfaf6 olt 7"nf] kl/0fdsf] ;fdfgx? rf]/L x'Fbf ;Dd klg s'g}klg hfgsf/L pknAw x'g g;Sg] cj:yfdf aLldt ;DklQ /flvPaf6 aLldt kIfsf] c;fj+wfgL b]lvG5 h'g ;]+wdf/L aLdfn]vsf] zt{ g+= ^ sf] ljkl/t 5 .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] ;fdfg Iflt ePsf]df s'g} ljjfb gePsf] k|:t't d'2fdf pBf]usf] k|:tfj kmf/fddf pBf]u aGb ePsf] s'/f pNn]v u/L aLdf u/]sf]df ;f] s]/d]6 u/]sf] / pBf]usf] kfn] s]xL lbg cfkm\g} sfd ljz]ifn] s]xL lbgnfO{ aflx/ uPsf] ;dodf xfgL–gf]S;fgL ePsf] / aLdn]vdf ;d]t #) lbg;Dd s]xL gePsf] cj:yfdf dfq bfjL gnfUg] pNn]v ePsf]n] aLdf bfjL kfpg'kg{] aLldt tkm{sf] egfO{ /x]sf]df pQm pBf]u aLdf ubf{ k|fljlws sf/0fn] aGb ePsf] egL aLdf u/]sf]df cGtMz'Ns ljefuaf6 lznaGbL ul/Psf] kfOPsf]n] em'¶f ljj/0f k]z u/L aLdf u/]sf] tyf ;]+wdf/L aLdf cGu{t aLldtåf/f kof{Kt ;'/Iff Joj:yf ug{'kg{]df w]/} ;do;Dd hf]lvd :yn vfnL /x]sf] tyf cGtMz'Ns ljefuaf6 lznaGbL ul/Psf] ;fdfgsf] lznaGbL km's'jf ePkl5 dfq nfdf] ;dob]lv aGb /x]sf] pBf]udf /x]sf] dlb/f pkof]u ug{ of]Uo eP gePsf] s'/f ;DalGwt lgsfoaf6 hfFr ePkl5 dfq laqmL ug{ ;lsg] cj:yfdf /x]sf] ;fdfgsf] cfly{s d"No sfod ug{ g;lsg] x'Fbf Iflt e'QmfgL ug{' gkg{] eGg] aLdstkm{sf] egfO{ /x]sf] kfOof] . o; cj:yfsf] k|:t't d'2fdf lg0f{otkm{ ljrf/ ubf{ k|:tfj kmf/fddf s]/d]6 ePsf] ;DaGwdf aLldtn] aLdf ug{ aLds ;dIf k]z u/]sf] kqdf pTkfbg s'g} k|fljlws sf/0fn] gePsf] pNn]v ub{} k|fljlws ;Nnfxsf/ cg';f/ ;'rf? ?kn] pTkfbg ug{ s]xL dlxgf nfUg] egL ls6fgL Joxf]/f /x]sf] / pBf]udf lznaGbL ePsf] af/] s'g} s'/f pNn]v u/]sf] kfOPg . k|fljlws sf/0fn] pBf]u aGb x'g' / lznaGbL ePsf] cj:yf b'O{ k[ys ljifo ePsf] x'Fbf lgj]bsn] aLdfsf] k/d ;bljZjf;sf] l;4fGt ljkl/t jf:tljs tYo n'sfP/ aLdf u/]sf] kfOof] . k|:tfj kmf/fddf ;'/Iff uf8{ /xg] pNn]v ePtfklg ;'/Iff uf8{ cfkm\g} sfd ljz]ifn] aflx/ uPsf] cj:yfdf rf]/L ePsf]n] hf]lvd :yn c;'/lIft /fv]sf] b]lvof] . o;}u/L #) lbg;Dd sf]xL gePsf] cj:yfdf dfq bfjL gnfUg] Joj:yf k|:t't ;]+wdf/L aLdfn]v cGtu{t ePsf] kfOPg . ;fy} lznaGbL ul/Psf] ;fdfgsf] cfly{s d"No sfod ug{ ldNg] gb]lvPsf] ;d]tsf cfwf/df aLdsn] u/]sf] lg0f{onfO{ cGoyf eGg ldNg] cj:yf /x]g . o;y{ lgj]bssf] ldlt @)%(.^.!$ sf] lgj]bg aLdf P]g, @)$( sf] bkmf * -3!_ tyf bkmf !& sf] pkbkmf -$_ adf]lhd vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)%( ;fn r}q @) ut] /f]h % z'ed\========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd >L x/lht kf08] jf;'lnË j8f g+= % >L /fli6«o aLdf ;+:yfg = ;tjfFh, rf}/fxf, a}t8L . /fdzfxky, sf7df8f}+ .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != d]/f] gfddf /x]sf] le=or=okm= 6]lnkmf]g @(@!! tyf tt\ ;DaGwL pks/0fx? /fli6«o aLdf ;+:yfg ;Dks{ sfof{no wgu9Laf6 clUg, x'/L, atf;, r6\ofË cflbaf6 Iflt ePdf bfjL e'QmfgL lbg] u/L aLdfn]v gDa/ l;=od=!&!(.(()!)$ af6 ldlt )$.)@.@))) b]lv $.)!.@))! ;Ddsf] nflu aLdf u/]sf] / ldlt )%&.@.!& ut] % ah]sf] ;dodf jiff{ tyf cflwa]/L ;fy r6\ofË kg{ uO{ pQm 6]lnkmf]g ;]6 tyf tt\;DaGwL pks/0fx? ;a} vtd kf/]sf] / ;f] gf]S;fgLsf] Ifltk"lt{sf] nflu /fli6«o aLdf ;+:yfg ;Dks{ sfof{nonfO{ / g]kfn b'/;+rf/ ;+:yfg dx]Gb|gu/nfO{ ;d]t hfgsf/L u/fOPsf]df /fli6«o aLdf ;+:yfgaf6 ;e{] gu/fO{ 6'6km'6 ;fdfg b'/;+rf/ ;+:yfgnfO{ a'emfO{ lbg' eg]sf] x'Fbf pQm gf]S;fgL ePsf ;fdfgsf] 6'6km'6 ;fdfg b'/;+rf/ ;+:yfg a}t8LnfO{ a'emfPsf] . tt\kZrft To; ;+:yfg wgu9L / k|wfg sfof{no sf7df8f}+df k6s–k6s ;Dks{ ubf{ klg s'g} sf/jfxL gePsf] / pQm If]q cf;kf;df cGo :yfgdf 6]lnkmf]g ;'ljwf gePsf]n] l56f] agfpg hg bafj ;d]t k/]sf] x'Fbf b'/;+rf/ ;+:yfg klg >L % sf] ;/sf/sf] :jfldTj ePsf] x'Fbf p;n] dd{t u/]sf] vr{sf] ljn t dfGo g} xf]nf egL ;f] le or= okm= ;]6 aGg] agfO{ gaGg] gofF pks/0f g} lkm6 u/L agfPsf] . b'/;+rf/ ;+:yfgsf] ljn tyf ;f] sf] l;kmfl/;df ahf/df lsg]sf ;fdfgsf] ljn e/kfO{ l;xt e'QmfgLsf] nflu /fli6«o aLdf ;+:yfgdf k]z ubf{ w]/} ;do kl5 ldlt )%&.@.!& ut]df tkfO{n] ;e{] gu/fPsf] x'Fbf bfjL lbg ldNb}g egL hfgsf/L lbPsf] . pk/f]Qm cg';f/ d}n] k]z u/]sf] ;Dk"0f{ sfuhft tyf aLdf ;+:yfgsf] cfb]z cg';f/ agfPsf] 6]lnkmf]g ;]6sf] e'QmfgL glbO{ d dfly cGofo u/]sf] x'Fbf pQm bfjL e'QmfgL lbg] ;DaGwdf /fli6«o aLdf ;+:yfgnfO{ cfjZos lgb{]zg lbg'x'g eGg] Joxf]/fsf] xl/lht kf08] jf;'lnË j8f g+= % ;tafFh, rf}/fxf, a}t8Lsf] ldlt )%(.(.!$ sf] lgj]bg . @= pQm bfjL ;DaGwdf s] s;f] eP u/]sf] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t kq k|fKt ldltn] !% -kGw|_ lbg leq ;ldltdf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds /fli6«o aLdf ;+:yfgnfO{ ;ldltsf] ldlt @)%(÷!)÷!) sf] kqaf6 lgb{]zg . #= aLldt >L x/lht kf08]n] le=Pr=Pkm= 6]lnkmf]g ;]6 ldlt )%&.@.!& df kg{ cfPsf] r6\ofËsf] sf/0faf6 Iflt x'g uPsf] b]lvG5 . pQm Ifltsf] ;DaGwdf ;+:yfgn] :ynut cWoog u/L ef}lts Ifltsf] cWoog d"NofÍg ug{ ;e{] v6fO{ d"NofÍg ug{'kg{]df Ifltsf] hfgsf/L x'Fbf l9nf] ePsf] / d"NofÍg ug{ ;e{] v6fpg ;d]t g;lsPsf] . pQm Iflt ePsf] ;fdfgx? ;+:yfgsf] s'g} :jLs[lt ljgf b'/;+rf/ ;+:yfgaf6 hfgsf/L u/fO{ dd{t

u/fOPsf] x'Fbf ;+:yfgn] hf/L u/]sf] aLdfn]vsf] zt{ g+= !! / !@ cg';f/ zt{ k'/f gePsf] / xfn cfP/ l9nf] ePsf] sf/0fn] ubf{ ;+:yfgn] ;e{] v6fO{ Iflt ePsf] ;DklQsf] :ynut lg/LIf0f tyf d"NofÍg ug{] l:ylt ;d]t gePsf] x'Fbf pQm bfjLsf] aLdfn]vsf] zt{ cg';f/ kg{ gcfpg] ePsf]n] bfjL nfUg g;Sg] Joxf]/f lghnfO{ cjut u/fO{ ;lsPsf] eGg] aLds /fli6«o aLdf ;+:yfgsf] lnlvt hjfkm . $= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug{ gkg{] ;DaGwdf cGo yk sfuhft tyf ljj/0f eP ;f] ;d]t lnlvt hjfkmsf ;fy kq k|fKt ldltn] & -;ft_ lbg leq ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!@÷$ sf] kqaf6 lgb{]zg .

7x/ o; k|sf/ aLdf ePsf] le=Pr=Pkm 6]lnkmf]g ;]6 aLdfn]vn] /Iffj/0f u/]sf] hf]lvdaf6} Iflt ePsf]df s'g} ljjfbdf gePsf] k|:t't aLdf bfjLdf Iflt af/] aLds /fli6«o aLdf ;+:yfgnfO{ hfgsf/L u/fPsf]df ;e{] gu/fO{ 6'6km'6 ;fdfg g]kfn b"/;+rf/ ;+:yfgnfO{ a'emfOlbg' eg] adf]lhd a'emfPsf] x'Fbf bfjL kfpg kg{] eGg] lgj]bssf] egfO{ /x]sf] kfOG5 eg] Ifltsf] hfgsf/L l9nf] u/L k|fKt ePsf] / d"NofÍg ug{ ;e{] v6fpg ;d]t g;lsPsf] tyf aLdssf] :jLs[lt lagf b'/;+rf/ ;+:yfgnfO{ hfgsf/L u/fO{ dd{t u/fPsf] x'Fbf aLdfn]vsf] zt{ g+= !! / !@ cg';f/ gePsf] tyf l9nf] ePsf] sf/0fn] Ifltu|:t ;DklQsf] :ynut lg/LIf0f tyf d"NofÍg ug{] l:ylt gePsf]n] bfjL nfUg g;Sg] eGg] aLdstkm{sf] egfO{ tkm{ lg0f{o ug{'kg{] b]lvof] . o;/L lg0f{otkm{ ljrf/ ubf{ Iflt ePsf] af/] lgj]bsn] ;dod} g]kfn b"/;+rf/ ;+:yfg tyf aLds /fli6«o aLdf ;+:yfgnfO{ hfgsf/L u/fO{ lalu|Psf] le=Pr=Pkm= 6]lnkmf]g ;]6 ;d]t ;/sf/L ;+:yf g]kfn, b"/;+rf/ ;+:yfgaf6} lg/LIf0f eO{ l;kmfl/; eP adf]lhd dd{t tyf ;fdfg v/Lb u/L aLdf bfjLsf] nflu sf/jfxL cufl8 a9fOPsf] ;fy} lgj]bssf] dfu adf]lhd pQm bfjL e'QmfgL ug{' gkg{] ;DaGwdf cGo yk sfuhft tyf ljj/0f k]z ug{ aLdsnfO{ ;"rgf ubf{ ;f] af/] s'g} k|To'Q/ ;d]t glbPsf] cj:yf b]lvof] . o;y{, Iflt ePsf] / Ifltsf] lg/LIf0f ;/sf/L ;+:yfaf6} ePsf] tyf aLdfn]v cGtu{t bfjL e'QmfgL ug{ gkg{] cGo sf/0f ;d]t gb]lvPsf]n] k|:t't bfjLsf] bfloTj k'gM lgwf{/0f u/L bfjL e'QmfgL ug{' egL aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!u_ tyf ;f]xL lgodsf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn a}zfv @% ut] /f]h % z'ed\=========

kIf ljkIfL aLldt÷lgj]bssf] gfd aLdssf] gfd >L uf]lks[i0f d'leh k|f=ln=sf] >L g]kfn OG:of]/]G; sDkgL ln= tkm{af6 Joj:yfks, lty{ kf}8]n . sdnfbL, sf7df8f}+ .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != lgj]bs sDkgL, sDkgL P]g, @)@! cGtu{t :yflkt >L % sf] ;/sf/ pBf]u dGqfno sDkgL /lhi6f/sf] sfof{noaf6 k|f=ln=g+=!()%÷)%)÷)%! sf] k|df0f kq k|fKt u/L rnlrq k|bz{g ug{sf] lglDt rnlrq 3/x? lgdf0f{ u/L rnlrq k|bz{gL ;DaGwL Joj;fo u/L cfPsf] Ps sDkgL xf] . lgj]bs sDkgLn] rnlrq Joj;fodf 5f]6} ;dodf cfkm\gf] Jofkfl/s ;fv k|fKt u/]sf] / rnlrq k|]dLx?sf nflu cTofw'lgs ;'ljwf ;DkGg tLgj6f rnlrq 3/x? lgdf{0f u/L rnlrq Joj;fo u/L cfPsf] . o;/L rnlrq 3/x? lgdf{0f u/L rnlrq Joj;fo ug{] qmddf lgj]bs sDkgLnfO{ k"hLsf] cfjZostf k/]sf] x'Fbf g]kfn a}+s lnld6]8 / /fli6«o afl0fHo a}+sx?sf sG;f]l6od C0f shf{ cGtu{t hDdf ?=@,%),)),))).– -cIf?kL b'O{ s/f]8 krf; nfv ?k}ofF_ sf] nflu lgj]bs sDkgLsf] gfpFdf gS;f kf; x'g] rnlrq ejg / lgj]bs sDkgLsf] ;+rfnsx?sf] gfpFdf /x]sf] hUufx? ;d]t lwtf] n]vL lbO{ pQm lnlvtdf plNnlvt zt{ aGb]hx? ;d]tnfO{ df=kf]=sf=sf7df08f}+ /=g+= *)(& adf]lhd kfl/t u/L lbPsf] . o;/L lgj]bs sDkgLn] shf{ ln+bf kfl/t u/L

lbPsf] zt{ aGb]h ;lxtsf] /=g+= *)(& ldlt @)%!.!!.!$ sf] kfl/kfz' (Paripassu) lnlvtsf] zt{ g+=^

adf]lhd d lgj]bs sDkgLn] lwtf] n]lv lbPsf] ;Dk"0f{ rn crn ;DklQx?sf] ;xefuL a}+sx?nfO{ lrQ a'em\bf]

VoftL k|fKt aLdf sDkgLaf6 e"sDk, cfunfuL, SRCC nufot cGo ;Dk"0f{ hf]lvd vfDg] u/L kf]ln;L lnO{

a}+ssf] gfpFdf O08f];{ -b/lk7_ u/L ;Ssn kf]ln;L ln8 a}+s g]=a}+=ln= sf] %!Ü z]o/ nufgL /x]sf] ljkIfL g]kfn OG:of]/]G; sDkgL ln= df laldt g]kfn a}+s lnld6]8, /fli6«o afl0fHo a}+s / lgj]bs sDkgL eO{ ldlt @)%#.@.@! b]lv aLdf u/fpFb} cfO/x]sf] lyPF . o;/L ln8 a}+s, g]=a+}=ln=sf] clwsf+z z]o/ nufgL /x]sf] ljkIfL OG:of]/]G; sDkgL lnld6]8;+u ldlt @)%#.@.@! b]lv @)%$.@.@! ;Dd jif{ Pssf] aLdz'Ns laqmL s/, l6s6 jfkt hDdf ?= !,)@,!!!.– a'emfO{ c:yfO{ ;'/Iff ;"rgf g+= Pr=e"÷^#@ sf] kf]ln;L adf]lhd @ s/f]8 $ nfvdf ga9\g] u/L clUg, e'sDk, x'nb+uf, cfunfuL tyf ;+nUg lni6 adf]lhd hf]lvdåf/f x'g] xfgL–gf]S;fgL Ifltk"lt{ lj?4 aLdf ;'/Iff k|bfg ug{] u/L Ps jif{sf] nflu aLdf u/L ;f] jfkt a'emfpg' kg{] lk|ldod a'emfO{ pQm aLdfn]vnfO{ jif{}lkR5] gjLs/0f u/L $ h'g @))! cyf{t ldlt @)%*.@.@@ ;Dd gjLs/0f u/]sf] . o;/L lgj]bs sDkgLn] u/fPsf] aLdfn]vsf] ;Dk"0f{ ;Ssn kf]ln;Lx? aLdfn]v u/fPb]lv g]kfn a}+s lnld6]8nfO{ a'emfpFb} cfPsf] . o;/L lgj]bs sDkgLn] a}+s;+u ePsf] ;Demf}tfsf] zt{ g+= ^ adf]lhd ug{'kg{] ;Dk"0f{ sfo{ ul//x]sf] / cfkm\gf] bfloTjnfO{ k"0f{?kdf kfngf ul//x]sf] lyPF eGg] s'/f g]=a}+=ln= n] ljkIfL sDkgLnfO{ n]v]sf] g+= ^$.^#.!@ ldlt )%*.!.# sf] kqåf/f ;d]t k'i6L eO/x]sf] 5 . o;/L ljkIfL sDkgL;+u $.^.@))) b]lv $ h'g @))! ;Ddsf] nflu hf]lvd l:ylt cGtu{t clUg, x'nb+uf, cfFwL cft+s lj:kmf]6g cflbx? ;d]tsf] nflu egL ljkIfL sDkgL;+u aLdfn]v u/fO{ ;f]sf] ;Ssn aLdf kf]ln;Lx? g]kfn af}+s lnld6]8nfO{ a'emfPsf] lyP .

o;/L aLdfn]v u/L cfO/x]sf] cj:yfdf ldlt @)%&.(.!! ut] d+unaf/sf lbg ef/tLo l;g] snfsf/ Clts /f]zgsf] k|s/0fnfO{ lnO{ lgj]bs sDkgLsf] rnlrq ejgsf] k|f+u0f leq 7"nf] hdft k;L x'nb+uf, tf]8kmf]8, cfuhgL u/L 7"nf] Iflt k'¥ofPsf] s'/fsf] hfgsf/L ;do d} ljkIfL OG:of]/]G; sDkgL ln= k|wfg sfof{nonfO{ hfgsf/L u/fPsf]df aLdfn]v gjLs/0f kZrft a'emfpg' kg{] lk|ldodf ln8 a}+s g]kfn a}+s lnld6]8n] a'emfpg' kg{] s'/fdf b'O{dt 5}g . o;/L ln8 a}+s g]=a}+=ln= n] lk|ldod a'emfpg' kg{] ?k}+ofF ga'emfPsf] s'/f lgj]bs sDkgLnfO{ yfxf ePkl5 ldlt @)%&.(.!! df sDkgLåf/f a'emfpg uPsf]df ;f] r]s a'emL lnO{ ;s]kl5 cfkm"n] a'emL lnPsf] /l;b ekf{O g++ %$÷(** ldlt @)%&.(.!! sf] /l;bnfO{ /2 ul/Psf]n] r]s o;};fy k7fOPsf] 5 egL af]wfy{ kq dfkm{t ldlt @)%&.(.!@ sf] kqåf/f lgj]bs sDkgLn] rnlrq 3/x?df ldlt@)%&.(!! ut]sf lbg sDkgLsf] rnlrq 3/x?sf] k|f+u0fdf 7"nf] hdft k;L tf]8kmf]8, cfuhgL u/L Iflt k'¥ofPsf] vj/ oyflz3| l56f] dfWodåf/f ljkIfL sDkgLnfO{ cjut u/fO{ Ifltk"lt{ kfpF egL ldlt @)%*.@.* df ljkIfL sDkgL;+u pQm 36gfaf6 ePsf] Ifltsf] ljj/0f ;lxt dd{t ;Def/ ubf{ ePsf] vr{sf] ljj/0f ;lxt Ifltk"lt{ kfpg ljkIfL sDkgL g]kfn OG:of]/]G; sDkgL lnld6]8sf lgj]bg lbPsf]df ldlt @)%*.^!@ sf] kqaf6 ljkIfL sDkgLn] aLdf Ifltk"lt{sf] bfjL adf]lhd Ifltk"lt{ lbg gldNg] elg ljleGg cfwf/ b]vfO{ kq n]lvPsf] /x]5 . pQm kqdf lnOPsf] cfwf/x? lgDgfg';f/ /x]5 . -s_ To; sDkgLsf] aLdf ;DaGwL sf/f]jf/ a}+s;+u} ge} l;w} sDkgL;+u ePsf] . -v_ To; sDkgL -uf]kL s[i0f d'leh k|f=ln=_ / g]kfn a}+s lnld6]8 aLr ePsf] C0f ln+bfsf] ;Demf}tf o; sDkgL -g]=O=s+=_ sf] xsdf nfu" gx'g] . -u_ b'O{ sDkgL aLr ePsf] s/f/sf] bfloTj kIf gePsf] o; sDkgLn] Joxf]g{ gkg{] . -3_ aLdf P]g, @)$( sf] bkmf @& Pj+ aLdf lgodfjnL, @)$( sf] ;+zf]wg ;lxtsf] lgod #^ -u_ adf]lhd aLdf sf/f]jf/ gePsf] . -ª_ !$ h'g @))) tb\g';f/ ! cfiff9 @)%& ut]sf lbg clUg, x'nb+uf, x8\tfn, e"sDk, cft+s cflb ;d]tsf] hf]lvd Joxf]g{] u/L sDkgLåf/f ;+rflnt rnlrq 3/x? / lni6 adf]lhdsf] ;fdfgx?sf] aLdfn]vsf] ldlt @))).^.$ b]lv @))!.^.$ ;Dd hf/L ul/Psf] ePtfklg pQm aLdfn]v To; sDkgLdf Iflt ePsf] jvt;Dd aLdf ;DaGwL s/f/df kl/0ft ePsf] lyPg . -r_ @)%&.(.!! ut] ljxfg *M#) ah] 36gf z'? ePkl5 lbpF;f] lk|ldod e'Qmfg ug{ k7fpFb}df e'Qmfg ul/Psf] ;do eGbf cufl8 ePsf] 36gfaf6 pTkGg hf]lvd Joxf]g{] u/L s/f/ ePsf] dfGg ldNb}g ;fy} aLdfz'Ns sDkgLsf] vftfdf hDdf ePkl5 dfq sf/f]jf/ z'? x'g] / /sd e'QmfgL kl5sf] 36gfaf6 pTkGg hf]lvdnfO{ dfq Joxf]g{ ldNg] sfg"gL Joj:yf ePsf] . -5_ aLdf sDkgL -g]kfn OG:of]/]G; sDkgL ln=_ ;+u sDkgLn] e'QmfgL lng'kg{] /sd afFsL g} /x]sf] eGg] ;Gbe{df sDkgLsf] /]s8{af6 e'QmfgL lbg'kg{] afFsL gb]lvPsf] . -h_ 36gf 3l6;s]kl5 k7fPsf] r]s -aLdfz'Ns jfkt_ a'lem lnPsf] /l;b g+= %$÷(** ldlt @)%&.(.!! sf] /l;b /2 ul/Psf] x'gfn] aLdf ;DaGwL s/f/ ePsf] gdflgg] x'Fbf ldlt @)%&.(.!! sf] 36gfsf ;DaGwdf sDkgL ;DaGwdf sDkgL -g]=O=s+=ln=_ sf] s'g} bfloTj gb]lvPsf] . pk/f]Qm k|s/0f * sf] -s_ b]lv -h_ ;Dd pNn]lvt ljkIfL g]kfn OG:of]/]G; sDkgL lnld6]8sf] Ifltk"lt{ glbg] u/L ul/Psf] lhls/nfO{ lgDgfg';f/ v08g u/]sf] 5' hf] o; k|sf/ /x]sf] 5 .

-s_ ;j{ k|ydt, ljkIfL g]=O=s+=ln= n] lnPsf] klxnf] lhls/ g} unt /x]sf] 5 . lsgeg], ljkIfL g]=O=s+=ln= ;+u ldlt @)%#.@.@! b]lv aLdf ;DaGwL sf/f]jf/ u/]sf]df s'g} ljjfb 5}g . o;/L ljkIfL;+u aLdf sf/f]jf/ -aLdfn]v_ ubf{ aLldtdf g]kfn a}+s lnld6]8, /fli6«o jfl0fHo a}+s / uf]kL s[i0f d'leh k|f=ln= /x]sf] s'/fnfO{ ljkIfL sDkgLåf/f tof/ kfl/Psf] aLdn]vaf6 k'i6L eO/x]sf] s'/fnfO{ cGoyf x'g] u/L aLdfn]v s]jn sDkgL;+u dfq ePsf] eGg' cGofok"0f{ /x]sf] 5 . ;fy} aLdfn]v cGtu{t k]z u/]sf bfjLsf] e'QmfgL lgj]bs sDkgLn] k|fKt ub}{df aLldt g]kfn a}+s ln=xf]Og egL ul/Psf] ljkIfLsf] lhls/ aLdf P]g, @)$( sf] bkmf @ -6_ sf] k|lts'n /x]sf] 5 . -v_ ljkIfL g]kfn OG:of]/]G; sDkgL lnld6]8df %!Ü z]o/ nufgL aLldtdWo]sf] g]kfn a}+s lnld6]8 /x]sf] g]kfn OG:of]/]G; sDkgL ln=;+u g} aLdfn]v u/fpFbf aLdf hf]lvd af/] pTkGg x'g] ljjfb Go"gM x'g] / aLdfn]v adf]lhdsf] bfloTj Pj+ hf]lvdaf6 k|fKt x'g] e'QmfgL k|fKt ug{ kf6L{nfO{ ;lhnf] kg{] / g]=a}+=ln=n] k|jfx u/]sf] C0fsf] ;'/If0f ;d]tsf] ;'/Iff x'g] x'Fbf ljkIfL sDkgL;+u aLdfn]v u/L sf/f]jf/ ul/Psf] xf] . o;/L ljkIfL sDkgLn] lgj]bs sDkgL / g]=a}+=ln= aLr ;DkGg ePsf] s/f/ ;Demf}tf af/] hfgsf/L gePsf] eGg' / nfu" gx'g' eGg] egfO{ lg/fwf/ /x]sf] 5 . lsgeg] ljkIfL sDkgLn] aLldtdWo]sf] g]=a}+=ln= ;d]tnfO{ ldlt )%&.#.! k=;=lj= %#÷!#%@ sf] kqåf/f lk|ldodsf] e'QmfgL dfu u/L n]v]sf] kq ;d]tn] ljkIfLsf] pQm lhls/ vl08t /x]sf] 5 . -u_ hxfF;Dd aLdf P]g, @)$( sf] bkmf @& Joj:yfnfO{ x]bf{ pQm P]gsf] pQm Joj:yf z'?df aLdfn]v ubf{ dfq nfu" x'g] Joj:yf xf] . lgj]bs sDkgLn] ljkIfL sDkgL;+u @)%#.@.@! b]lv nuftf/ @)%*.@.@@. ;Dd cyf{t $ h'g @))! ;Dd sfod /xg] u/L jif{–jif{ lbgdf aLdfn]v gjLs/0f u/L cfPsf] cj:yfdf aLdf P]g, @)$( sf] bkmf @& lgj]bs sDkgLsf] xsdf nfu" x'g xf]Og eGg] s'/f bkmf @& sf] k|ltaGwfTds JofSof+z ;d]tn] :ki6 ub{5 . ;fy} aLdf lgodfjnL, @)$( sf] ;+zf]lwt lgodfjnL #^ -u_ sf] Joj:yf lgj]bs sDkgLsf] xsdf nfu" x'g] xf]Og lsgeg] ljkIfL sDkgL / aLds / g]=a}+=ln= /fli6«o jfl0fHo a}+s / lgj]bs sDkgL aLldt eO{ $ h'g @))) b]lv $ h'g @))! ;Dd sfod /xg] u/L aLdfn]v gjLs/0f u/L ;f]sf] ;Ssn kf]ln;L aLdsn] aLldtnfO{ k7fO{;s]sf] cj:yfdf aLdsn] k|fKt ug{'kg{] aLdfz'Ns glnO{ r'k nflu a;L cfkm\gf] bfloTj Pj+ st{Joaf6 ljd'v ePsf] cj:Yffaf6 pTkGg kl/l:yltsf] l;sf/ lgj]bs sDkgLnfO{ agfpg sbfkL ldNg] xf]Og Pj+ sd{rf/Lsf] uNtL nfk/jfxLaf6 kIf lgj]bs sDkgLsf] xs lxtdf c;/ gkg{] eGg] ;j{dfGo l;4fGt ;d]tsf] cfwf/df ljkIfLsf] lhls/ lg/fwf/ /x]sf] 5 . -3_ !$ h'g @))) tb\g';f/ @)%& cfiff9 ! ut] aLdf hf/L ldlt pNn]v ePsf] ePtfklg pQm aLdfn]v $.^.@))) tb\g';f/ @@ h]i7 @)%& b]lv $.^.@))! tb\g';f/ @)%* h]i7 @@ ut]sf lbg;Dd nfu" x'g] u/L gjLs/0f ePsf] lyof] . o;/L aLdfz'Ns pNn]v ;Dk'li6 aLdfn]vdf l6s6 6fF; u/L ;xL 5fk u/L gjLs/0f ul/Psf] sfo{nfO{ cGoyf eGg ldNg] xf]Og . gjLs/0f kZrft gjLs/0f jfkt nfUg] lk|ldod z'Ns ljkIfL sDkgL] ln8 g]=a}+=ln=;+u dfu u/L lng' kg{]df ;f] gu/L r'k nfuL a;]sf] cj:yfaf6 pTkGg kl/l:ylt d sDkgL pk/ nfu" x'g'kg{] xf]Og ljkIfL sDkgLn] cfkm\gf] bfloTj lgjf{x gu/]sf] kl/0ffdaf6 pTkGg Iflt ljkIfL sDkgLn] g} Joxf]g{' kg{] s'/fnfO{ cGoyf eGg ;lsg] xf]Og / s/f/sf] ;j{dfGo l;4fGt ;d]tsf] k|lts"n x'g] u/L ul/Psf] sfo{sf] kl/0ffd ljkIfL sDkgLn] g} Joxf]g{' kg{] :ki6 5 . -ª_ 36gf 36L ;s]kl5 aLdf lk|ldod e'Qmfg ug{ k7fpb}df e'Qmfg ul/Psf] ;do eGbf cufl8 ePsf] 36gfaf6 pTkGg hf]lvd Joxf]g{] u/L s/f/ ePsf] dfGg ldNb}g eGg] lhls/ unt /x]sf] 5 . hals o;eGbf cl3sf] 36gfx? Pj+ sf/f]jf/nfO{ x]g{] xf] eg] ljkIfL sDkgLn] lgj]bs sDkgL;+u aLdf afktsf] lk|ldod 36gf

36L;s] kZrft a'lemlnO{ lk|ldod a'em\g' eGbf cl3sf] 36gfaf6 pTkGg hf]lvd Iflt Joxf]/]sf] pbfx/0fx? h:t} ljkIfL sDkgL;+u aLdf sf/f]af/ @)%#.@.@! af6 z'? ePsf]df @)%#.#.! sf] lbg 36]sf] 36gfaf6 ePsf] tf]8kmf]8af6 ePsf] Ifltsf] /sd ?=#&,@)).– bfjL ul/Psf]df ljkIfL sDkgLn] lgj]bs sDkgLnfO{ ?=@$,%%).– e'QmfgL @)%#.#.# df r'Qmf u/]sf] lyof] cyf{t 36gf 36L ;s]kl5 lk|ldod a'emfPsf] cj:yfdf klg e'QmfgL

ul/Psf] lyof] . h;af6 k|s/0f * -r_ df pNn]lvt ljkIfLsf] lhls/ k|j[ltk"0f{ (Bias) /x]sf] :ki6 5 . ;fy}

ljkIfLsf] pQm lhls/ k|df0f P]g, @)#! sf] bkmf #$ sf] k|lts"n /x]sf] :ki6 5 . -r_ aLdfz'Ns a'lemlnO{ ;s]kl5 cfkm"n] a'lemlnPsf] /l;b /2 ug{] sfo{ b'/fzo k"0f{ /x]sf] 5 . o;/L Psk6s aLdfz'Ns :jLsf/ ul/;s]kl5 cfkm"n] :jLsf/ u/]sf] aLdfz'Ns lkmtf{ ug{] sfo{af6 ljkIfL sDkgLsf] lgot b'/fzok"0f{ /x]sf] k"/f :ki6 5 . ;fy} aLdfz'Ns slt ;do leq a'emfO{ ;Sg' k5{ eGg] ;DaGwdf aLdf P]g, @)$( ty aLdf lgodfjnL, @)$( ;d]t df}g /x]sf] 5 . pk/f]Qm k|s/0f ( sf] -s_ b]lv -5_ ;Dd jl0f{t ljleGg cfwf/x? Pj+ lgj]bg ;fy ;+nUg ul/Psf] ljleGg k|df0fx?af6 ljkIfL g]kfn OG:of]/]G; sDkgL lnld6]8n] lgj]bs sDkgLn] bfjL u/]sf] aLdf Ifltk"lt{ /sd ?= %),&^,!%).– -krf; nfv 5oxQ/ xhf/ Ps ;o krf; ?k}+of_ glbg elg ldlt @)%*.^.!@ k=;=l;= %%.!#! sf] kqaf6 n]lv cfPsf] x'Fbf k|:t't ph'/L lgj]bg lnO{ pkl:yt ePsf] 5' . ctM d]/f] ph'/L lgj]bgdf pNn]lvt tYo Pj+ cfwf/x? adf]lhd sfo{jfxL u/L ljkIfL sDkgLaf6 aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z hf/L u/L lgj]bsnfO{ ?=%),&^,!%).– -krf; nfv 5oxQ/ xhf/ Ps ;o krf; ?k}+of_ Ifltk"lt{ lbg' eGg] cfb]z hf/L u/L kfpF eGg] Joxf]/fsf] lgj]bs uf]kL s[i0f d'elh k|f=ln=sf tkm{af6 clVtof/ k|fKt Joj:yfks tLy{ kf}8]nsf] ldlt )%*.!).@# sf] ph'/L lgj]bg . @= pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] oyfy{ ljj/0f ;lxtsf] lnlvt hjfkmsf ;fy} pQm bfjL;+u ;DalGwt ;Dk"0f{ sfuhft ;d]t kq k|fKt ldltn] !% -kGw|_ lbg leq ;ldlt ;dIf k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds g]kfn OG:of]/]G; sDkgL ln=nfO{ ldlt @)%(÷#÷@! sf] kqaf6 lgb{]zg . #= ljkIfL d'leh k|f=ln=sf] ;Dk"0f{ rn crn ;DklQsf] aLdf o; sDkgLdf ldlt @)%#.)@.@! b]lv !÷! jif{ nfu" x'g] u/L clUg, e"sDk, x'nb+uf, cfunfuL cflbsf] hf]lvdåf/f x'g] xfgL–gf]S;fgL Ifltk"lt{ lj?4 aLdf ;'/Iff k|Tofe"t ug{] u/L ;fn}lkR5] aLdf gjLs/0f x'Fb} cfO/x]sf]df aLdf gjLs/0f u/L lk|ldod e'QmfgL ug{] ;dofjlw ldlt @)%&.@.@! leq u/L ;Sg' kg{]df ;f] ldlteGbf & dlxgf kl5 cyf{t ldlt @)%&.(.!! ut] pQm aLdf hf]lvdsf] lk|ldod e'QmfgL ug{ k7fpg' g} cfkm\gf] ;DklQ hf]lvd k|ltsf] nfk/jfxL xf] eGg] k|i6 b]lvG5 . tyflk ldlt @)%&.(.!! ut]sf] Clts /f]zg k|s/0fåf/f ePsf] xfgL–gf]S;fgL e} ;s]kl5 jf ;f] ldltsf] laxfg *M#) ah]af6} d'leh sDkgLdf tf]8kmf]8 ePsf] s'/f ljkIfLn] :jLsf/ ub}{ ;f]sf] hfgsf/L ;f]xL lbg lbpF;f] #M$% ah] pNn]v u/L $M#& df km\ofS;af6 hfgsf/L u/fOPsf] lyof] . / ;f] 36gf ePsf] ;ft 306f kl5 / pQm kq kfpg' eGbf Ps 306f cl3 dfq sDkgLsf] l/;]K;gdf aLdfsf] lk|ldod jfktsf] r]s 5fl8Psf]df ;f]sf] ef]lnkN6 ldlt @)%&.(.!@ df g} r]s a'lemlnPsf] /l;b ;d]t /2 u/L kq;fy ljkIfLnfO{ aLdf hf]lvd se/ gx'g] hfgsf/L u/fO{ ;lsPsf] 5 . pQm k|s/0fdf ePsf] xfgL–gf]S;fgLsf] Ifltk"lt{ kfpF egLljkIfLn] ldlt @)%*.@.* df lbPsf] lgj]bg pk/ lg0f{o x'Fbf aLdfz'Ns jfktsf] r]s 36gf 36L ;s]kl5 k7fOPsf] / pQm aLdfz'Ns jfktsf] r]s a'lemlnPsf]

/l;b g+=%$÷(**, ldlt @)%&.(.!! sf] /l;b ;d]t /2 ul/Psf] x'gfn] To; sDkgL / o; aLdf sDkgLaLr aLdf ;DaGwL s/f/ ePsf] gdflgg] x'Fbf pNn]lvt 36gfsf] ;DaGwdf sDkgLsf] s'g} bfloTj gb]lvPsf] x'Fbf ;f]xL Joxf]/f hfgsf/L u/fpb5f} elg ldlt @)%*.^.!@ df ljkIfLnfO{ hfgsf/L u/fO{ ;lsPsf] 5 . ljkIfL sDkgLsf] xfgL–gf]S;fgL x'Fbfsf] cj:yfdf, lgh / aLdf sDkgLsf aLr aLdf s/f/ gePsf]df 36gf 36L ;s]kl5 aLdfz'Ns a'emfpg k7fpFb}df s/f/ ePsf] dfGg ;lsg] cj:yf laNs'n} x'g ;Sb}g . o;/L ljkIfL / aLdf sDkgLaLr ePsf] aLdf s/f/ aLdf P]g, @)$( -;+=;=_ sf] bkmf @& adf]lhd Æs'g}klg aLdsn] s'g}klg lsl;dsf] aLdf Joj;fo ubf{ lnOg] aLdf jfktsf] aLdfz'Ns /sd k|fKt geP;Dd aLdf hf]lvd :jLsf/ ug{' x'Fb}g . aLdsn] hf]lvd u|x0f u/] jfkt aLdfz'Ns /sd k|fKt u/]kl5 dfq aLdf u/]sf] dflgg] 5 . Æ To;}u/L aLdf lgodfjnL, @)$( -;+=;=_ sf] lgod #^ -u_ n] ÆaLldtn] aLds;+u aLdf u/] jfkt a'emfpg' kg{] aLdfz'Ns /sd ga'emfP;Dd lghx? aLr aLdf ;DaGwL sf/f]jf/ ePsf] dflgg] 5}g elg k|i6 Joj:yf x'Fbfx'Fb} ljkIfLsf] 36gf 36L ;s]kl5 aLdf lk|ldod a''''''emfpg Nofpb}df b'O{ kIf aLr s/f/ ePsf] dfGg g;lsg] k|i6 ePsf] x'Fbf ljkIfLsf] lgj]bg vf/]h u/L kfpF . o;y{, aLdf P]g tyf lgodfjnL lj?4 ePsf] s/f/sf] sfg"gL dfGotf gx'g] cyf{t sfg"gn] lgif]w u/]sf] ljifodf ePsf] s/f/, s/f/ P]g, @)%^ sf] bkmf !# sf] $-ª_ df Joj:yf eP cg';f/ Æk|rlnt sfg"gsf] lj?4df ePsf] jf k|rlnt sfg"gn] lgif]w u/]sf] s'/fdf ePsf] s/f/Æ :jtM ab/ x'g]Æ k|i6 Joj:yf ;d]t ePsf] x'Fbf, ljkIfL;+u ePsf] ÆaLdf s/f/n] Æ sfg"gL dfGotf u|x0f ug{ g;Sg] :ki6 sfg"gL cfwf/ k|df0f b]lvPsfn] ljkIfLn] To; ;ldltdf lbPsf] ldlt @)%*.!).@# sf] lgj]bg ph'/L vf/]h u/L Gofo OG;fkm kfpF eGg] Joxf]/fsf] aLdssf] ldlt @)%(.$.( sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf gjLs/0f jfktsf] aLdfz'Ns /sd e'QmfgL gePsf] cj:yfdf ;DklQ Iflt eO;s]kl5 lgj]bsn] aLdf gjLs/0f z'Ns a'emfPsf]df ;d]t s'g} ljjfb b]lvPg . aLdf ul/g] ;DklQ ;'/lIft /x]sf] tyf xfgL–gf]S;fgL x'g ;Sg] ;+efljt cj:yfdf dfq aLdf ul/g] ;j{dfGo l;4fGt ljk/Lt Iflt eO{;s]kl5 aLdf gjLs/0f jfktsf] aLdfz'Ns e'Qmfg u/]sf] kfOof] . aLdf P]g, @)$( sf] bkmf @& adf]lhd aLdssf] hf]lvd u|x0f u/] jfkt aLdfz'Ns /sd k|fKt u/]kl5 dfq aLdf u/]sf] dflgg] tyf aLdf lgodfjnL, @)$( sf] lgod #^ -u_ adf]lhd aLldtn] aLdsl;t aLdf u/] jfkt a'''''''emfpg' kg{] aLdfz'Nssf] /sd ga'emfP;Dd lghx?sf] aLrdf aLdf ;DaGwL sf/f]jf/ ePsf] dflgg] 5}g eGg] Joj:yf adf]lhd k|To]s jif{sf nflu aLdf hf]lvd ;'/If0f k|fKt ug{ gjLs/0f jfktsf] aLdfz'Ns a'emfpg' kg{]df aLldt tkm{af6 To:tf] aLdfz'Ns e'QmfgL ul/Psf] k|:t't bfjLsf] bfloTj jxg ug{ gkg{] eGg] aLdssf] egfO{nfO{ cGoyf eGg ldNg] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd ph'/L lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nlntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn a}zfv @% ut] laxLaf/ /f]h % z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L d]6«f] 6]«l8Ë xfp; lrtjg, >L /fli6«o aLdf ;+:yfg =

c/o gf/fo0f k|;fb 9'+u]n, /fdzfxky, sf7df8f}+ .

uf]7f6f/ uf=lj=;= * .

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != C0fL d]6«f] 6«]l8Ë xfp; ePsf] aLdfn]v g+=)%*.lj=cf/=lh=Pd=le=lk= )@@^$.@))!!))% sf] gf=@v%$!# g+= sf] a; @)%*.&.& df b'3{6gf ePsf] x'Fbf /fli6«o aLdf ;+:yfgdf dfly pNn]lvt aLdfn]v gDa/ adf]lhd d}n] kfpg' kg{] aLdf ;DaGwL ;Dk"0f{ sfuhkq pQm aLdf ;+:yfgdf k]z u/L ;s]sf] x'Fbf d}n] af/Daf/ /sd kfpg cg'/f]w ubf{ klg jf:tf gu/L y8{ kf6L{ aLdf kfpFb}g;\ egL pQm zfvfsf hLt]Gb| b]j l/dfn / ;e{]o/ /fd]Zj/ e§/fO{ ;d]tn] gfgf t/xsf] jxfgf agfO{ k};f vfg vf]h]sf] / lghsf] dfu cg';f/ ?= %),))).– -krf; xhf/ d}n] glbg] eg]kl5 kfpg' kg{] aLdfsf] /sd ;d]t gkfPsf] x'Fbf lgod adf]lhd kfpg] /sd pknAw u/fO kfpF eGg] lgj]bs d]6«f] 6«]l8Ë xfp; ;/f]sf/ jfnf gf/fo0f k|;fb 9'+u]nsf] ldlt @)%(.%.@* sf] lgj]bg . @= pQm bfjL ;DaGwdf s] s;f] eP u/]sf] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL ;Dk"0f{ sfuh tyf ljj/0f ;d]t of] kq k|fKt ldltn] !% -kGw|_ lbg leq o; ;ldltdf k]z ug'{ x'g aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds /fli6«o aLdf ;+:yfgnfO{ ;ldltsf] ldlt @)%(÷(÷$ sf] kqaf6 lgb{]zg . #= ;+:yfgsf] aLdfn]v g+= )%* lj=cf/=lh=Pd=le=kL= )@@^$ cGtu{T n'lDagL a}+s ln=lrtjg C0fL d]6«f] 6«]l8Ë xfp; Hofld/] lrtjgsf] gfddf aLdf ePsf] gf=@v=%$!# g+=sf] a; ldlt @)%*.&.& df gf=@v@&)% sf] 6«s;+u Ps cfk;df 7f]lsO{ b'3{6gfu|:t ePsf] sf/0faf6 kg{ cfPsf] aLdf bfjL km5of{}6 ug{] l;nl;nfdf aLldtsf] uf8L gf=@v=%$!# sf] xsdf cfjZos k|fKt sfuhftx?sf] cfwf/df ldlt @)%(.!.^ df g} bfjL km5of}{6 u/L ;s]sf] / t]>f] kIf uf8L g+= gf=@v=@&)% sf] bfjL km5of}{6sf] nflu pQm uf8L g]zgn nfOkm P08 hg/n OG:of]/]G; sDkgL ln=, nflhDkf6 sf7df08f}+df aLdf ePsf] eGg] a'lemg cfPsf]n] k|fKt sfuhftx? ;+nUg u/L cfjZos sfof{ysf nflu g]zgn nfOkm P08 hg/n OG:of]/]G; s+=ln=sf] ldlt $ h'g, @))@ sf] kqdf "Certeinly, we will process this claim it approached by our insured as per terms and condition of

insurance policy " eGg] pNn]v eO{ cfPsf] Joxf]/f cg'/f]w ub{} k|fKt sfuhfx?sf] kmf]6f]skL o;};fy ;+nUg u/L k7fPsf 5f}+ eGg] aLdssf] ldlt @)%(.(!& sf] lnlvt hjfkm . $= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug'{ gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm ;d]t of] kq k|fKt ldltn] & -;ft_ lbg leq ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!)÷@! sf] kqaf6 lgb{]zg .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} lgj]bssf] gf=@v=%$!# g+=sf] a; ldlt @)%*.&.& df gf=@v=@&)% ;+u 7Ss/ nflu Iflt ePsf]df ;d]t s'g} ljjfb gePsf] k|:t't d'2fdf t]>f] kIfsf] bfjL e'QmfgL aLds /fli6«o aLdf ;+:yfgaf6 kfpg' kg{] eGg] lgj]bstkm{sf] egfO{ /x]sf] tyf aLldtsf] uf8Lsf] bfjL km5f{}6 u/L ;s]sf] / t]>f] kIfsf] uf8L aLds g]zgn nfOkm P08 hg/n OG:of]/]G; sDkgL ln=df aLdf ePsf] a'lemg cfPsf]n] k|fKt sfuhx? pQm aLds ;dIf k7fPsf]df pQm aLdsn] tt\;DaGwdf aLldtaf6 bfjL cfPdf aLdfn]v adf]lhd ug{] hjfkm lbPsf] eGg] egfO{ /x]sf] kfOof] . ;fy} ;ldltaf6 aLds /fli6«o aLdf ;+:yfgnfO{ pQm bfjL e'QmfgL ug{ gldNg] cGo sf/0f tyf ljj/0f eP ;f] ;d]t k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd n]lvPsf]df pQm aLdsaf6 tt\;DaGwdf s'g} hjfkm k]z x'g cfPsf] kfOPg . o;/L lg0f{otkm{ ljrf/ ubf{ k|:t't aLdf bfjLdf aLds /fli6«o aLdf ;+:yfgdf t]>f] kIf ;d]tsf] aLdf ePsf] cj:yfdf aLldtnfO{ bfjL e'QmfgL ug{] lhDd]jf/L k|f/lDes aLdssf] ePsf] x'Fbf aLldt lgj]bsnfO{ ;e{]o/sf] d"NofÍg adf]lhd t]>f] kIf jfktsf] bfjL e'QmfgL ug{'kg{] lhDd]jf/L ;d]t aLds /fli6«o aLdf ;+:yfg;+u g} /xg] b]lvof] . t]>f] kIfsf] aLdf cGo aLds;+u ePsf] ;Gbe{df ;f]w egf{ nufotsf s'/f aLdsx? aLrsf] s'/f ePsf]n] aLldtnfO{ ;f]xL cfwf/df bfjL e'QmfgL gug{ jf ljnDa ug{ ldNb}g . o;y{, k|:t't t]>f] kIf bfjLsf] bfloTj ;e{]o/sf k|ltj]bg adf]lhd :jLsf/ u/L bfjL e'QmfgL ug{' egL aLds /fli6«o aLd ;+:yfgnfO{ aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd ph'/L lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn h]i7 #) ut] /f]h ^ z'ed\=======

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L s}nfnL lhNnf x;'lnof uf=lj=;=l:yt, >L /fli6«o aLdf ;+:yfg = xl/ z+s/ uNnf e08f/sf k|f]kfO6/, /fdzfxky, sf7df8f}+ . xl/ z+s/ 7fs'/sf] jf=afas[i0f Gof}kfg] .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != d lgj]bs aLdf -;+zf]wg ;lxt_ P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## adf]lhd ?= % sf] l6s6 6fF;L b]xfo adf]lhd lgj]bg ub{5' . pk/f]Qm ;DaGwdf >L /fli6«o aLdf ;+:yfg zfvf sfof{noaf6 lg/LIfssf] k|ltj]bg ;lxtsf] kmfOn tyf >L /fli6«o aLdf ;+:yfg s]lGb|o sfof{no, sf7df08f}+af6 ;DalGwt kmfOn lemls x]/L a'lemPdf ;a} s'/fx? :ki6 x'g] g} x'Fbf ;DalGwt :yfgaf6 ;DalGwt ;a} kmfOn lemls x]/L a'lem kfpF . d xl/ z+s/ uNnf e08f/sf] k|f]kfO6/ xl/ z+s/ 7fs'/n] uNnfsf] sf/f]jf/ ub{} cfO/x]sf] 5' . tyf ;f]sf] sf/f]jf/sf] l;nl;nfdf cfkm"n] ef8fdf lnO{ lghL uf]bfdsf ?kdf xfn rng ub{} cfO/x]sf] >L ;femf ;xsf/L ;+:yf tyf >L h6]Zj/ 7fs'/sf uf]bfdx?df wfg, ux'F OToflb /fvL sf/f]jf/ ub{} cfO/x]sf] 5' . o;/L sf/f]jf/sf] l;nl;nfd b'j} :yfgdf l:yt wfg Pj+ uxF' pk/ ljleGg k|sf/sf] hf]lvdsf] sf/0fn] k'Ug ;Sg] Ifltsf] k"jf{g'dfg u/L >L /fli6«o aLdf ;+:yfg, wgu9L zfvfaf6 ldlt l8;]Da/ ^, @))! b]lv nfu" x'g] u/L b]xfo adf]lhdsf] aLdf ;d]t u/fpFb} cfPsf] lyPF . -s_ aLdfn]v g+= CF/2425/0011206 cGtu{t >L ;femf ;xsf/L ;+:yfsf] uf]bfddf /x]sf] !*)) af]/f wfg tyf ^)) af]/f ux'Fsf] hDdf aLdf+s /sd ?= !$,@&,*%).– -v_ aLdfn]v g+= CF/2425/0011206 cGtu{t >L h6]Zj/ 7fs'/sf] uf]bfddf /x]sf] ^)) af]/f wfgsf] hDdf aLdf+s /sd ?= @,*%,&%).– o;/L aLdf u/fO{ /x]sf] ;DklQnfO{ aLdfsf] ;fdfGo l;4fGt cg'?k d'n clUg aLdf u/fO{ cltl/Qm hf]lvd (Allied Risk) x'nb+uf, å]ifk"0f{ sfo{ tyf cft+sjfb ;d]t /Iffj/0f x'g] u/L aLdf u/fO{ clUg aLdf jfktsf] aLdfz'Ns (Premium) df x'nb+uf, å]ifk"0f{ sfo{ tyf cft+sjfb ;d]tsf nflu yk aLdfz'Ns (Premium) ;d]t e'QmfgL ul/Psf] s'/f o; lgj]bg ;fy k]z /x]sf] ;+nUg sfuhftsf gSsnaf6 k|i6 x'g] g} 5 . o;} k|sf/ ldlt l8;]Da/ @),@))! df ;femf ;xsf/L ;+:yfsf] uf]bfddf /flvPsf] ^)) af]/f uxF'sf] ;§f ;f]xL d"No a/fa/sf] !!*) af]/f wfgnfO{ ;+nUg ;Dk'li6 g+= @$$& cGtu{t aLdf u/fO{ /fv]sf] lyPF . pk/f]Qm adf]lhdsf] ;DklQ aLdfsf] ;DaGwdf >L /fli6«o aLdf ;+:yfgsf] lgj]bgsf ;fy ;+nUg u/L k]z ePsf se/ gf]6x? @ yfg, ;Dk'li6 ! yfg, tyf aLdfz'Ns e'QmfgL u/]sf] /l;b===========yfg sfuhftsf] cWoogaf6 pk/f]Qm ;a} s'/f :ki6 x'g] g} 5 . o;/L aLDff u/fOPsf] ;DklQsf] aLdf jxfn g} /x]sf] cj:yfdf ldlt @)%(.!.^ ut] cyf{t clk|n !(, @))@ sf /flt cGbfhL &–* ah] lt/ crfgs xft xltof/n] ;';lHht cft+ssf/Lx?sf] 7"nf] hdft cfO{ o; xl/z+s/ uNnf e08f/n] cfkm\gf] lghL uf]bfdsf] ?kdf k|of]u ub{} cfPsf] >L h6]Zj/ 7fs'/sf] uf]bfd tyf

>L ;femf ;xsf/L ;+:yfsf] uf]bfddf tf]8kmf]8 u/L hjh{:tL cfqmd0f u/L b'j} uf]bfddf u/L /flvPsf hDdf wfg #%*) af]/f n'6L nuL wgdfndf Iflt k'¥ofOof] . o; k|sf/ aLdf u/fOPsf] ;DklQdf Iflt k'u] kZrft tTsfn} ldlt @)%(.!.& df >L /fli6«o aLdf ;+:yfgnfO{ kqåf/f hfgsf/L u/fpg'sf ;fy} ;f] 36gfsf] k'li6sf nflu ldlt @)%(.!.@! df >L lhNnf k|x/L sfof{no, wgu9Låf/f n]lvPsf] kq ;lxt >L ufpF ljsf; ;ldltsf] sfof{no x;'lnofåf/f hf/L ul/Psf] ldlt @)%(.!.@@ sf kqx? ;d]t ;+nUg /fvL @)%(.!.@% df bfjL kmf/d e/L jf:tljs Iflt a/fa/sf] Ifltk"lt{ dfu u/]sf] tyf ;f] ;DaGwdf lg/LIfs ;d]tsf] Joj:yf u/L jf:tljs Iflt ;d]tsf] lgwf{/0f u/fO{ kfpg >L /fli6«o aLdf ;+:yfg, wgu9L zfvfdf lgj]bg ;d]t lbPsf] lyPF . aLdf ul/Psf] ;DklQ pk/ k'u]sf] Ifltaf6 Ifltk"lt{ el/e/fp (indemnity) ug{sf nflu >L /fli6«o aLdf ;+:yfgdf k6s–k6s t/ tfs]tf ubf{ ;d]t ;f] bfjL (Claim) sf pk/ s] s:tf] sf/jfxL eO/x]sf] 5 egL ljkIfL >L /fli6«o aLdf ;+:yfg, wgu9L zfvfaf6 s]xL hjfkm k|fKt geP kl5 xfdLn] eP u/]sf ;Dk"0f{ Joxf]/f vf]nL ldlt @)%(.#.@! ut]sf lbg btf{ g+= !!^(.)%(.#.@! df aLdf /sd e'QmfgL kfpF eGg] >L /fli6«o aLdf ;+:yfg s]lGb|o sfof{no, sf7df08f}nfO{ kq n]vL ;f] ;DaGwdf hfgsf/L dfu ubf{ ;d]t ;f] ;DaGwdf s]xL klg hfgsf/L k|bfg gul/Psf] x'Fbf xfdL;+u eP u/]sf Jojxf/ tyf pTkGg kl/l:ylt ;d]tsf] d"NofÍg ubf{ b]xfosf sf/0fx?n] ubf{ >L /fli6«o aLdf ;+:yfgsf] sk6 k"0f{ dgzfo b[li6 uf]r/ x'g uof] . -s_ ;j{k|yd t xfd|f] aLdf u/fOPsf] ;DklQ pk/ xfd|f] aLdfof]Uo lxt (insurable Interest) /x]sf] s'/fnfO{ s;}n] klg gsfg{ ;Sb}g . aLdfof]Uo lxt gePsf] eP ;f] ;DklQnfO{ aLdf u/fpg ldNb}g lyof] xf]nf . ;f] ;DklQ pk/ xfd|f] aLdfof]Uo lxt (Insurable Interest) ePsf] s'/f xfd|f] pb\3f]if0f (Declaration) af6 :ki6 x'g] g} 5 . h;/L aLldtsf] pb\3f]if0f (Declaration) aLdssf] nflu cTofjZos x'G5 7Ls To;/L g} aLdssf] pb\3f]if0f klg aLldtsf lgldQ plQs} dxTjk"0f{ x'G5 . aLdf ;DaGwL s/f/ Ps ljlzi7 k|sf/sf] s/f/ ePsf] sf/0fn] ubf{ klg s/f/sf b'O{ kIfx? ;dfg tx (Equal Footing) df /x'g eGgsf nflu klg Ps csf{nfO{ s]xL gn'sfO{ ;a} s'/f :ki6 v'nfpg] aLdfsf] ;j{dfGo l;4fGt /x]sf] x'G5 . aLdf ;DaGwL s/f/n] ubf{ s/f/sf b'j} kIf a/fa/Lsf] x}l;otdf /xg' kg{] ePsf] sf/0fn] ubf{ klg aLdf ;DaGwL s/f/nfO{ Contract of Utmost Good Faith (Uberima Fides) eg]/ eGg] ul/G5 tyf pb\3f]if0fsf] bfloTj (Duty of Disclosure) b'j} kIfsf nflu plQs} dxTjk"0f{ x'g hfG5 . ljkIfL /fli6«o aLdf ;+:yfgn] aLdf u/fPsf] ldltn] * dlxgf laTg nfUbf ;d]t aLdfn]v hf/L gu/L s]jn se/gf]6 dfq hf/L ug{'n] ljkIfLsf] k"jf{u|x :ki6;+u emNsfp5 . aLdfn]v hf/L gug{'n] csf{tkm{ aLldtnfO{ aLdf ;DaGwL zt{ aGb]hx? :ki6 ;+u 1fg gx'g] x'Fbf cfkm\gf] aLdf u/fOPsf] ;DklQ slt xb;Dd ;'/lIft 5 eGg] s'/f :ki6;+u 1fg x'g kfpb}g ;fy} ;f]df pNn]lvt Exclusion clause sf af/]df ;d]t 1fg x'g ;Sb}g . u|fxsnfO{ km;fP/ p;af6 cg'lrt kmfObf p7fpg vf]Hg' sfg"g ;+ut sfo{ xf]Og . t/ ljkIfL /fli6«o aLdf ;+:yfgn] xfdL h:tf ;f]emf Pj+ lgd'vf JolQmnfO{ cfkm\gf] Joj;fosf] u|fxs agfpgsf nflu cg]s cfsif{0fx? b]vfO{ u|fxsnfO{ km;fO{ ;s]kl5 p;nfO{ lghsf] bfjL jfktsf] Ifltk"lt{ pknAw gu/fpg' klg >L /fli6«o aLdf ;+:yfgsf] b'/fzoo'Qm sfo{ xf]Og eGg ;lsGg . -v_ xfd|f] ;DklQ pk/ cft+sjfbsf] hf]lvd ;d]t /Iffj/0f (Cover) x'g] u/L egL aLdf u/fPsf]df ljkIfL >L /fli6«o aLdf ;+:yfgn] se/gf]6df :ki6;+u ÆclUg cltl/Qm x'nb+uf, å]ifk"0f{ sfo{ tyf cft+sjfbaf6 aLldtsf] ;/;DklQ Iflt ePdf ;d]tyk ;'/If0f k|bfg ul/G5Æ egL pNn]v u/]sf]n] klg aLdf u/fOPsf] ;DklQ h'g;'s} k|sf/sf] cft+saf6 ;bf ;'/lIft 5 tyf cft+sjfb ;DaGwL hf]lvdaf6 aLdf u/fOPsf] ;DklQdf h:tf] ;'s}

Iflt k'u]klg aLdsn] To;af6 pGd'lQm (Indemnity) k|bfg ug{' aLdssf] k|yd bfloTj xf] . pk/f]Qm b'j} aLdfx? u/fpFbf cft+safbnfO{ ;d]t /Iffj/0f ug{] u/L aLdf u/fPsf] h:tf] ug{' xfdL;+u cft+sjfb OToflb ;d]t eGb} cltl/Qm z'Ns ;d]t p7fpg'n] xfdL dfly xfd|f] ;DklQ h'g;'s} k|sf/sf] cft+ssf/L lqmofsnfkaf6 ;'/lIft 5 eGg] ljZjfz lbnfpg' / ha /Iffj/0f ul/Psf] hf]lvds} sf/0fn] ubf{ xfd|f] ;DklQ pk/ Iflt k'Ug hfG5 / ;f] ;DaGwdf bfjL kbf{sf] ;dodf bfjL e'QmfgL glbg'n] klg ljkIfL >L /fli6«o aLdf ;+:yfgsf] cfkm\gf u|fxs pk/sf] b'/fzok"0f{ Jojxf/ k|i6 x'g hfG5 . -u_ aLdfsf] ;fdfGo l;4fGt cg'?k clUg aLdfnfO{ d"n aLdfsf] ?kdf u/fpg] tyf ;f]sf] cltl/Qm cGo hf]lvdx?nfO{ clUg aLdfsf] cGtu{t /fvL clUg aLdf u/]kl5 dfq clUg cGtu{tsf cGo hf]lvdsf] /Iffj/0f ug{] k|rng /x]sf] x'G5 . To:t} xfdLn] u/fOPsf] aLdfdf klg clUg aLdf u/fPsf] sf/0fn] dfq cft+sjfb, å]ifk"0f{ sfo{ tyf x'nb+uf h:tf hf]lvdsf] /Iffj/0f k|fKt u/]sf] xf] . olb clUg aLdf gu/fpFbf xf} t cft+sjfb nufot clUg aLdf cGtu{tsf hf]lvdnfO{ /Iffj/0f u/fpg kfpFb}g lyof}+ . o;/L clUg aLdf cGtu{t /flvP tfklg clUg cGtu{tsf cGo hf]lvdx?sf] cfuf];+u s'g} klg k|ToIf ;/f]sf/ gx'g ;S5 . oxfF o;f] eGg'sf] tfTko{ cft+safb hf]lvd clUg aLdfsf] cGtu{tsf] hf]lvd ePtfklg cft+sjfbsf] sf/0fn] ubf{ cfuf] g} nfUg' kb{5 eGg] xf]Og . olb To;f] xf] eg] s]jn clUg aLdf u/fP k'Ug] g} lyof] tyf h'g;'s} k|sf/n] cfuf] nfu]klg

Ifltsf] glhssf] sf/0f (Proximate Cause) cfuf] g} x'g] ePsf] xF'bf clUg aLdf dfq u/fpFbf k'Ug] g} lyof]

. tyf cft+sjfb, å]ifk"0f{sfo{, x'nb+uf h:tf hf]lvdsf ljifoj:t'nfO{ 5'§} aLdfz'Nssf] e'QmfgL u/]/ aLdf u/fO{ /xg'sf] s'g} cf}lrTo g} /xg] lyPg . t;y{ klg clUg aLdfsf] cGtu{tdf /flvPsf hf]lvd ePtfklg o;sf] s'g} klg k|ToIf ;/f]sf/ cfuf];+u /xb}g . cem aLdfz'Ns klg yk u/]/ e'QmfgL u/L ;s]kl5 t emg\ o;sf] 5'§} cl:tTj /xg] ePsf] x'Fbf aLdfn] cft+sjfbsf] hf]lvdnfO{ /Iffj/0f ub{5 eGg' g} cft+sjfbLn] aLdf u/fOPsf] ;DklQdf h] h:tf] Iflt k'¥ofP klg aLdsn] Ifltk"lt{ pknAw u/fpg' kg{] s/fl/o bfloTj /x]sf] :ki6 x'g hfG5 . o;sf] cy{ cft+ssf/Ln] cfuf] g} nfufpg' k5{ eGg] xf]Og . o;y{ klg Ifltsf] glhssf] sf/0f (Proximate

Cause) /Iffj/0f ul/Psf] hf]lvd xf] eGg] k|i6 g} 5 eg] xfdLn] Ifltk"lt{ kfpg' k5{ s'/fdf b'O{ dt /xFb}g . o;/L aLdfsf] ;j{dfGo l;4fGt cg'?k klg :ki6 (Crystal Clear) ?kdf /x]sf] s'/fdf klg cfh;Dd bfjL e'QmfgL pknAw gu/fpg'n] ljkIfL >L /fli6«o aLdf ;+:yfgsf] b'/fzo :ki6 ?kdf cleJoQm ub{5 . ctM Pj+ dfly bkmf bkmfdf pNn]v ul/P adf]lhd /Iffj/0f u/fOPsf] hf]lvd cft+sjfb ;d]t /x]sf] Pj+ Ifltsf] glhssf] sf/0f klg /Iffj/0f ul/Psf] hf]lvd g} ePsf] x'Fbf ;f] hDdf #%*) af]/f wfgdf k'Ug uPsf] Iflt jfktsf] jf:tljs Ifltk"lt{ :j?k bfjL ul/Psf] /sd ?=!&,!#,^)).– -?k}ofF ;q nfv t]¥x xhf/ 5 ;o dfq_ tyf ;f] bfjL k/]sf] ldltn] bfjL e'QmfgL x'Fbf ;Dddf ;f] /sddf P]g cg'?ksf] Aofh ;d]t yk u/L ;Dk"0f{ /sd oyflz3| ljkIfL /fli6«o aLdf ;+:yfg, wgu9L zfvfaf6 lbnfO{ e/fO{ kfpF eGg] Joxf]/fsf] lgj]b s}nfnL lhNnf x;'lnofuf=lj=;= l:yt xl/z+s/ uNnf e08f/sf k|f]kfO6/ xl/z+s/ 7fs'/sf] jf/]; eQmk'/ lhNnf emf}v]n uf=lj=;= j8f g+= $ Gof}kfg] ufpF a:g] jif{ @( sf] afa' s[i0f Gof}kfg]sf] ldlt @)%(.^.! sf] lgj]bg . @= pQm aLdf bfjL Ifltk"lt{ ;DaGwL s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL aLdfn]v tyf ;e{] k|ltj]bg nufotsf eP u/]sf ;Dk"0f{ sfuh tyf ljj/0f ;d]t of] kq k|fKt ldltn] !% -kGw|_ lbg leq o; ;ldltdf k]z ug'{ x'g aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLds /fli6«o aLdf ;+:yfgnfO{ ;ldltsf] ldlt @)%(÷^÷!^ sf] kqaf6 lgb{]zg .

$= ;+:yfgsf] zfvf sfof{no wgu9Laf6 ldlt ^.!@.@))! b]lv nfu" aLdfn]v g+= l;=Pkm=@$@% / @$@^ xl/z+s/ uNnf e08f/sf] gfddf clUg aLdfn]v cGtu{T hf]lvd axg x'g] u/L aLdfn]v hf/L ePsf] . ldlt @)%(.!.^ cft+ssf/Lx?n] uf]bfdsf] tfnf tf]8L n'6L nu]sf] egL bfjL kg{ cfPsf]df ;+:yfgn] clUg aLdfn]v hf/L u/]sf] x'Fbf clUg aLdfn]vsf] bfo/f cGtu{t rf]/L, n'6df/ kg{ gcfpg] x'Fbf aLdfn]vsf] bfo/fdf gkg{] Joxf]/f ;d]t aLldtnfO{ cjut u/fpFb5f}+ eGg] Joxf]/fsf] aLdssf] ldlt @)%(.(.# sf] lnlvt hjfkm . %= ;ldltsf] qmdzM sf=lg=zf=%$ -/f=lj=;+= )!.@_ )%(.^) r=g+=&!# ldlt )%(.^.!^, sf=lg=zf= #)^ -/f=lj=;=)!.@_ )%(.^) r=g+= !$&) ldlt )%(.(.% sf] kq dfkm{t ;+:yfg;+u dfu ul/Psf] sfuhft tyf ljj/0f xfn;Dd k]z x'g cfPsf] kfOPg o;y{, pQm kqx?af6 dfu ul/Psf] sfuhft tyf ljj/0fx? ;ft -&_ lbg leq ;ldltdf k]z ug{ aLdsnfO{ ;ldltsf] ldlt @)%(.(.!% sf] kqaf6 k'gM lgb]{zg . ^= ;+:yfgsf] ldlt )%(.(.# sf] kq afx]s dfu ePsf sfuhftx? xfn;Dd ;ldltdf k|fKt x'g cfPsf] b]lvPg . o;y{, To; ;+:yfgaf6 hf/L ePsf] aLdfn]v g+= l;=Pkm=@$@% / @$@^ sf] aLdf bfjL ;DaGwdf lgj]bssf] dfu adf]lhd aLdf e'QmfgL ug'{ gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP ;f] ;lxtsf] lnlvt hjfkm ;d]t & -;ft_ lbg leq ;ldltdf k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!!÷* sf] kqaf6 lgb{]zg . To; ;ldltaf6 se/gf]6 g+= @$@% / @$@^ sf] >L xl/ z+s/ uNnf e08f/sf] bfjL ;DaGwdf dfu adf]lhd cfjZos sfuhkqx? ;+nUg u/L k7fOPsf] eGg] Joxf]/sf] ldlt @)%(.!!.@@ sf] aLdssf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} ldlt @)%(.!.^ cft+ssf/Lx?n] uf]bfd tf]8L n'6L nu]sf]df ;d]t s'g} ljjfb gb]lvPsf] k|:t't d'2fdf cft+sjfb hf]lvd ;d]t ;dfj]z u/L aLdf ePsf] / Ifltsf] sf/0f ;d]t /Iffj/0f ul/Psf] hf]lvd g} ePsf] x'Fbf aLdf bfjL kfpg' kg{] eGg] aLldt lgj]bs tkm{sf] egfO{ /x]sf] kfOof] eg] clUg aLdfn]v hf/L u/]sf] x'Fbf clUg aLdfn]vsf] bfo/f cGtu{t rf]/L, n'6df/ gkg{] eGg] aLdssf] egfO{ /x]sf] k|:t't d'2fdf aLdsaf6 hf/L ul/Psf] aLdfn]v cGtu{t pQm bfjL kg{] gkg] tkm{ lg0f{o ug{kg{] b]lvof] . o;/L lg0f{o tkm{ ljrf/ ubf{ hf/L ePsf] clUg aLdfn]v g+= l;=Pkm=@$@%.))!@)^ tyf l;=Pkm= @$@^.))!!@)^ df k|i6 ?kdf clUg, x'nb+uf, å]ifk"0f{ sfo{ / cft+sjfbaf6 aLldtsf] ;DklQ Iflt ePdf ;d]t yk ;'/If0f k|bfg ul/G5 eGg] ls6fgL Joxf]/f pNn]v ePsf] kfOof] . o;/L aLdfn]v -s/f/_ df :ki6 ?kdf yk hf]lvdx? ;dfj]z u/L aLdf ePsf] / aLdfn]vn] /Iffj/0f u/]sf] hf]lvds} sf/0f gf]S;fgL ePsf] :ki6 b]lvPsf] cj:yfdf aLdfn]v cGtu{t pQm Iflt gkg{] eGg] aLdssf] egfO{ ldNg] b]lvPg . o;y{, pk/f]Qmfg';f/sf] aLdfn]vn] /Iffj/0f u/]sf] Iflt jfkt lgj]bsn] dfu u/]sf] ?=!&,!#,^)).– -?k}ofF ;q nfv t]¥x xhf/ 5 ;o dfq_ af6 aLdfn]vsf] zt{ ;'ljwf adf]lhd clgjfo{ clws jfktsf] /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ bfjL e'QmfgL ug{' egL aLds /fli6«o aLdf ;+:yfgnfO{ aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ . o; lg0f{o pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn h]i7 #) ut] /f]h ^ z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L 6'Ë/fh kf7s, >L ;u/dfyf OG:of]/]G; sDkgL ln=, sf=lh= hf]/kf6L uf=lj=;= j8f g+=! sdnfbL, sf7df8f}+ . hf]/kf6L .

d'2f M– clUg aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . ljkIfL ;u/dfyf OG:of]/]G; sDkgL ln=df d]/f] :jfldTjsf] sf=lh= hf]/kf6L uf=lj=;= j8f g+= !-v_ ls=g+= $)# If]qkmn )–!%–) hUuf / ;f] hUufdf ag]sf] kSsL ltgtn] cfjf;Lo ejg z}g'Ë]Zj/ lgdf{0f ;]jf k|f=ln=sf] nflu g]kfn a+unfb]z a}+sdf clUg aLdf u/fO{ ;'/If0f lbPsf] lyPF . ;'/If0f lb+bf ;f] ejgsf] aLdf ug{'kg{] k|fjwfg klg lwtf] ;Demf}tfdf pNn]v 5 . ljkIfL sDkgL / aLdldtsf] aLrdf aLdfn]vdf pNn]v ePsf zt{ aGb]hsf cfwf/df clUg aLdf ug{ ;xdlt eO{ ;g\ @))).)&.)& b]lv ;g\ @))#.)&.)& ;Ddsf] cljl5Gg aLdf gjLs/0f eO{ ;Demf}tf adf]lhd s'n aLdfÍ /sd ?= @@,)),))).– sf] clUg tyf e"sDk clUg wSsf, x'nb+uf x8tfn, å]ifk"0f{ sfo{ tyf cft+sjfb hf]lvd aLdf jxg u/L lgodfg';f/ lk|ldod a'emfO{ aLdfn]v g+= $.).)*%! åf/f d]/f] cfjf;Lo ejgsf] aLdf ul/Psf] 5 . o;/L ;Demf}tf adf]lhd lk|ldod a'emfO{ aLdfn]v gjLs/0f u/]sf]df ldlt @)%(.(.!@ df d]/f] 3/df ad lj:kmf]6 ePsf] / ;f] lj:kmf]6af6 cfunfuL eO{ d]/f] 3/ k"0f{ Iflt eO{ ;/sf/L ;~rf/ dfWodaf6 ;f] s'/fsf] ;fj{hlgs hfgsf/L / ;'/Iffsf ;a} c+ux? uO{ :ynut lg/LIf0f u/L >L lhNnf k|zf;g sfof{no sf7df8f}+n] Iflt d"NofÍg ;d]t u/]sf] l:ylt 5 . d}n] ljkIfL sDkgLnfO{ 36gf ePsf] nut} cyf{t @)%(.(.!( ut]sf lbg Ifltsf] ljj/0f ;lxt lg/LIf0f u/L Ifltk"lt{ kfpF elg aLdf lgodfjnL, @)$( sf] lgod #@-!_ adf]lhd lgj]bg lbPsf]df ;f] lgj]bg pk/ k'/} a]j:tf u/L pQm lgodsf] lgod #@-@_, -#_ / -$_ sf] sfo{jlw gckgfO{ 7f8f] ?kdf ÆtkfO{sf] aLdf gjLs/0f ldlt @)%(.#.@# -)&.)&.@))@_ df ;dfKt ePsf] / ;f]sf] gjLs/0f o; sDkgLaf6 ldlt @)%(.(.!&-)!.)!.@))#_ df ePsf]n] aLdf gjLs/0f / ;f] jfktsf] lk|ldodf z'Ns e'Qmfg x'g' cufl8 b'\3{6gf ePsf] b]lv+bf bfjL ug{ gldNg] Joxf]/f cjut u/fOG5 . em'7f] Joxf]/f hgfO{ jf ;To ljj/0f n'sfO{ gv'nfO{ aLdf u/fPkl5 bfjL ug{' aLdfsf] l;4fGt ljkl/t x'g]5 . c;'ljwfsf] nflu v]b k|s6 ub{5f}+ Æ eGg] kq k|fKt eof] . ljkIfL sDkgLsf] pQm kq aLdfsf] l;4fGt, d"No dfGotf / aLdfn]vsf] ljkl/t 5 . aLdfn]vsf] klxnf] cg'R5]bd} aLdf cjlw kl5 klg aLldtn] aLdfz'Ns e'QmfgL u/] jfkt sDkgLn] aLdfn]v gjLs/0fsf] nflu dGh'/ u/]df To;nfO{ aLdfn]vsf] cljl5Gg gjLs/0f dfGg] Joj:yf 5 . ldlt @)%(.(.!@ df d]/f] 3/df 36]sf] pQm å]ifk"0f{ sfo{ tyf cft+sjfb af/] cfd ;+rf/ ;fj{hlgs ;+rf/ dfWodf / /fHosf] lhDd]jf/ / ;DalGwt ;a} kIfn] hfgsf/L kfPsf] / ljkIfL ;d]t ;f] s'/faf6 ;';"lrt ePsf] s'/fdf s'g} ljjfb 5}g .

o;/L ;fj{hlgs ?kdf hfgsf/L ePsf] pQm ljifodf d}n] ljkIfLnfO{ em'7f s'/f pNn]v ug{'kg{] s'g} sf/0f 5}g / d]/f] dg;fo ;d]t To:tf] gePsf] cj:yfdf aLdfn]v gjLs/0f u/]kl5 aLldtsf] clxt x'g] u/L s'g}klg tYoo'Qm, ts{ ;+ut cfwf/ / sf/0f lagf u|fxs k|lt v]b JoQm ub{} dnfO{ lbPsf] kq aLdfsf] l;4fGt, aLdf P]g, @)$( / aLdf lgodfjnL, @)$( ;d]tsf] k|lts'n x'Fbf ljkIfLaf6 bfloTj lgwf{/0f u/fO{ aLdf bfjL e'QmfgL u/fO{ kfpF eGg] lgj]bs 6'Ë/fh kf7s, sf=lh=hf]/kf6L uf=lj=;=j8f g+=! hf]/kf6Lsf] ldlt @)%(.!!.@( sf] lgj]bg . pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hfgsf/Lsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!@÷!@ sf] kqaf6 lgb{]zg . g]kfn a+unfb]z a}+s ln= C0f z}n'Ë]Zj/ lgdf0f{ ;]jf / o; aLdf sDkgL aLrdf clUg aLdf ug{ ;xdt eO{ ldlt )&.)&.@))! b]lv )&.)&.@))@ ;Ddsf] cjlw ;dfKt eP kZrft pQm aLdfn]v b'3{6gf ldlt;Dd gjLs/0f ePsf] sDkgLsf] /]s{8af6 b]lvPg . o:t} cj:yfdf aLldt z}n'Ë]Zj/ lgdf{0f ;]jfn] ldlt )!.)!.@))# df o; sDkgLdf cfO{ pQm aLdfn]v gjLs/0f ug{ cg'/f]w ubf{ sDkgLsf tkm{af6 lghnfO{ )!.)!.@))# b]lv gjLs/0f x'g] s'/f atfpFbf a}+sn] aLdfn]v ;dfKt eP b]lvg} gjLs/0f ug{'kg{] atfPsf]n] pQm ldltb]lv nfu" x'g] u/L gjLs/0f u/fO{ lbg' xf];\ egL cg'/f]w pQm lgdf{0f ;]jfn] u/]sf] x'Fbf gjLs/0f aLdfn]vdf Warranted Safe on Date Clause /flv aLdfn]v gjLs/0f u/L lbPsf] xf] . Warranted Safe on Date Clause sf] dtnj ;d]t a'emfO{ pQm ldlt k"j{ s'g} 36gf 36]sf] eP bfjL gnfUg] u/L gjLs/0f ul/Psf] xf] . Warranted Safe on Date Clause sf] dtna gjLs/0fnfO{ lg/Gt/tf lbPtfklg gjLs/0f hf/L u/]sf] / aLdfz'Ns e'QmfgL ePsf] ldlt k"j{ s'g} 36gf 36]sf] cj:yfdf aLdn]vdf h'g;'s} s'/f pNn]v u/]tf klg pQm 36gfdf aLdf sDkgLsf] s'g} bfloTj g/xg] eGg] :ki6 g} 5 . lgj]bs 6'Ë/fh kf7sn] To; ;ldltdf lbPsf] lgj]bgdf aLds sDkgLn] aLdfn]v gjLs/0fnfO{ lg/Gt/tf lbP kZrft o; aLrdf 36]sf] 36gfsf] bfloTj aLdssf] x'g] elg h'g bfjL lng' ePsf] 5 pQm bfjL hfn;fhL k"0f{ ePsf], ;To tYo s'/fnfO{ n'sfO{ em'7f ljj/0f ;lxt cfPsf] x'Fbf b'/f;o o'Qm 5 h'g s'/f tnsf aF'bfx?af6 k|i6 x'G5 . cl3Nnf] jif{ u/]sf] aLdf cjlw ldlt )&.)&.@))@ df ;dfKt eO{ aLdfn]v gjLs/0f gu/fO{ /x]sf] cj:yf . aLdf bfjL ul/Psf] Ifltk"lt{ ;DaGwL 36gf ldlt @&.!@.@))@ df 36]sf] s'/f :jo+ lgj]bsn] To; ;ldltdf lbPsf] lgj]bgaf6 ;d]t k|i6 e} /x]sf] cj:yf . aLdn]vsf] gjLs/0f )!.)!.@))# df ePsf] gjLs/0f hf/L ubf{ aLdfn]vdf Warranted Safe on Date Clause /fvL u/]sf] s'/f o;};fy k]z x'g] aLdfn]vsf] kmf]6f]skLaf6 ;d]t k|dfl0ft x'G5 . ldlt )#.)!.@))# df lgj]bsn] o; sfof{nodf lg/LIf0f u/L Ifltk"lt{ kfpF egL lbPsf] lgj]bg kq . lgj]bssf] gfddf aLdfn]v gfd;f/L @&.)!.@))# df dfq ePsf] 5 . h'g s'/f o; sDkgLaf6 gfd;f/L ul/Psf] ;Dk'li6af6 k|i6 x'G5, To;eGbf cufl8 aLldt lgj]bs geO{ g]kfn a+unfb]z a}+s C0fL z}n'Ë]Zj/ lgdf{0f ;]jf /x]sf] 5 . pk/f]Qm tYosf] cfwf/af6 klg s] s'/f k|i6 x'G5 eg] lgj]bsnfO{ bfjL ug{] xsb}of k|fKt 5}g / bfjL nfUg] cj:yf 5}g eg] xsb}of k|fKt gePsf] JolQmsf] bfjL k'Ug ;Sb}g / 36gf 36]sf] cj:yfdf lgj]bssf] insurable Interest /x]sf] b]lvb}g t;y{ lgh lgj]bssf] lgj]bg vf/]h efuL 5 . hxfF;Dd gjLs/0fsf] lg/Gt/tf /xg] k|Zg 5, o; sDkgLn] aLdfn]v gjLs/0f ubf{ Warranted Safe on Date Clause nufP/ dfq gjLs/0f ul/Psf] xf] / ;f]sf] dtna / kl/efiff ;d]t aLdsnfO{ a'emfOPsf] lyof] . aLldtn] cl3Nnf jif{x?df aLdf ubf{ cfuhgL / e"sDk wSsf hf]lvd dfq ;dfj]z u/L aLdf u/fPsf] t/ gjLs/0f u/fpFbf, gjLs/0f u/fpg' k"j{ ldlt @&.!@.@))@ df 36]sf] 36gf Iflt bfjL ug{] b"lift dg;fo ;fy hfn;fFem k"0f{ tl/sfaf6 em'7f aofg u/L xfgL–gf]S;fgL eO{;s] kZrft yk hf]lvd ;d]t ;dfj]z u/L ldlt

)&.)&.@))@ b]lv nfu" x'g] u/L ldlt )!.)!.@))# df gjLs/0f u/fO{ ;f] jfkt a'emfpg' kgg{] aLdfz'Ns ;d]t ;f]xL ldltdf g} a'emfO{ hfn;fhL k"0f{ tl/sfaf6 aLdf bfjL u/L Ifltk"lt{ lng] b'/fzo k"0f{ dg;fo /x]sf] b]lvG5 . t;y{ pQm bfjL pk/ sf/jfxL x'g g;Sg] cj:yf /x]sf] lgj]bsn] aLdfn]v gjLs/0f ug{ d+h'/ u/] kZrft Ifltk"lt{ ug{'kg{] egL aLdfn]vsf] k|yd cg'R5]bsf] Joj:yf egL bfjL u/]tf kgl pQm bfjL k'Ug ;Sb}g, pQm aLdfn]vsf] zt{ g+= ! df ÆaLldtn] em'¶f ljj/0f lbO{ aLdf u/fpFbf k'u]sf] xfgL–gf]S;fgLdf aLdf sDkgLsf] bfloTj g/xg] k|fjwfg /x]af6 ;d]t pQm bfjL k'Ug ;Sb}g . ;fy} aLdf P]gdf ePsf] Joj:yf cg'?k klg aLdfz'Ns (premium Receipt) sDkgLdf bflvn geP;Dd aLdsdf bfloTj g/xg] s'/f pNn]v 5 . pQm 36gfdf aLdf gjLs/0f ug{' k"j{ 36gf 3l6;s]sf] / aLdf gjLs/0f z'Ns klg sDkgLdf 36gf 36] kZrft dfq k|fKt ePsf] x'Fbf pQm b'/f;oo'Qm hfn;fhL k"0f{ tj/n] aLdf gjLs/0f u/fOPsf] bfjK k'Ug g;Sg] s'/f hfgsf/L u/fOG5 . t;y{M lgj]bsn] To; ;ldltdf lbg' ePsf] lgj]bg hfn;fhL k"0f{ Pj+ em'7f ljj/0f o'Qm ePsf] Joxf]/f cg'/f]w ub{} To;;+u ;+nUg sDkgLdf ePsf ;Dk"0f{ sfuhkqx?sf] k|ltlnlk Ps Ps k|lt o;};fy /fvL !%-kGw|_ lbg leq} hfgsf/L u/fOPsf] eGg] Joxf]/fsf] ldlt @)%(.!@.@) sf] aLdssf] lnlvt hjfkm . ;ldltsf] ldlt @)%(.!@.!@ sf kqaf6 dfu ul/Psf] s'g}klg sfuhft ;+nUg eO{ cfPsf] kfOPg . o;y{M dfu ul/Psf sfuhftx?sf] k|dfl0ft k|ltlnlkx? & -;ft_ lbg leq k]z ug{ aLdsnfO{ ;ldltsf] ldlt @)^).@.! sf] kqaf6 lgb{]zg . ToxfFaf6 dfu ul/Psf] sfuhftsf] k|ltlnlk yfg ( -kfgf !!_ k|dfl0ft u/]/ k]z ul/Psf] eGg] aLdssf] ldlt @)^).@.@ sf] kq .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 ldlt @)%(.(.!@ sf lbg ad lj:kmf]6g eO{ 3/ Iflt ePsf]df s'g} ljjfb gePsf] k|:t't aLdf bfjL ;DaGwL d'2fdf aLdfn]vsf] cjlw ldlt @)%(.#.@# df ;dfKt ePsf] tyf b'3{6gf ldlt @)%(.(.!@ kZrft gjLs/0f ug{ aLdfz'Ns e'QmfgL ePsf] b]lvof] . o;/L gjLs/0f ubf{ aLdsn] gjLs/0f ;Dk'li6df Warranted Safe on Date pNn]v u/]/ dfq gjLs/0f u/]sf] kfOof] . aLdf Joj;fosf] ;j{dfGo k/d ;bljZjf;sf] l;4fGt tyf ;+efljt hf]lvd lj?4 dfq aLdf x'g] Joj:yf ljkl/t b'3{6gf eO{ Iflt ePkl5 ;f] Ifltsf] af/]df aLdsnfO{ s'g} ;"rgf glbO{ lgj]bsn] aLdfn]v gjLs/0f u/]sf] b]lvof] . ;fy} Iflt x'g'k"j{ g} aLdfz'Ns e'QmfgL ul/Psf] lyof] egL lgj]bsaf6 s'g} k|df0f k]z ePsf] ;d]t kfOPg . pk/f]Qm cj:yf ;d]taf6 aLdsn] Warranted Safe on Date egL gjLs/0f ldlt;Dd pQm 3/ Iflt gePsf] cj:yfdf dfq nfu" x'g] u/L aLdfn]v gjLs/0f ul/lbPsf] x'Fbf aLdf bfjL k'Ug g;Sg] eGg] aLdssf] egfO{nfO{ cGoyf eGg ldNg] b]lvPg . o;y{, lgj]bssf] lgj]bg aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd ph'/L lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn >fj0f @^ ut] /f]h @ z'ed\========

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L g]kfn On]lS6«s e]lxsn O08li6«h k|f=ln=, >L g]zgn OG:of]/]G; sDkgL ln= czf]s /fh kf08] -k|jGws ;+rfns_ . lqk'/]Zj/, sf7df8f}+ .

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . !=o; g]kfn On]lS6«s e]lxsn O08li6«h k|f=ln=n] >L g]zgn OG:of]/]G; s+kgL lnld6]8n] lqk'/]Zj/ dfkm{t cfkm\gf] ;+rfngdf /x]sf] ljB'tLo uf8Lx? ljut ;ft jif{ b]lv aLdf ub{} cfPsf] . cfkm\gf] ?6df lgoldt rNg] qmddf ldlt @)%*.^.! df d+unaf/af6 jfn'jf6f/ cfpFbf s'k08f]ndf af=!x #$%& g+= sf] ;kmf 6]Dkf]sf] a|]s km]n x'g uO{ uf8L b'3{6gf ePsf] Joxf]/f 6«flkms k'ln; l/kf{]6af6 k|i6 x'G5 . ;fy} b'3{6gf kZrft 6«flkms k|x/Lsf] qm]gn] pQm ;kmf 6]Dkf] b'3{6gf :ynaf6 p7fO{ aUuLvfgf lnP/ uPsf]n] klg ulDe/ b'3{6gf ePsf] k'i6ofO{ ub{5 . pQm b'3{6gf x'Fbf uf8L klN6g uO Ps df]6/;fOsndf ;d]t 7Ss/ nfu]sf]n] df]6/;fOsn rfns 3fOt] eO{ aL P08 aL xl:k6ndf pkrf/ u/fPsf] pkrf/ vr{sf] lan ;d]t aLdf sDkgLnfO{ k]z ug{'sf] ;fy} df]6/;fOsn dd{t vr{sf] ljj/0f ;d]t k]z ePsf] lyof] . ;fy} pQm ljB'tLo uf8Lsf] df]6/ tyf Aof6«L sfd gnfUg] eO ;f]sf] Ifltsf] /sd ;d]t o; sDkgLn] aLdf sDkgL;+u bfjL u/]sf] 5 . o;} l;nl;nfdf aLdf sDkgLn] k7fPsf] kqdf ;e{]o/sf] k|ltj]bg cg';f/ sDkgLsf] uf8Ldf s'g} Iflt gePsf] b]lvPsf] egL pNn]v u/]sf] / ;f] nfO{ g} cfwf/ dfgL Ifltk"lt{ glbg' elg pNn]v u/]sf] 5}g ;fy} g]zgn OG:of]/]G; sDkgL dfkm{t pQm b'3{6gfsf] ;e{] ug{ >L /fhg yfkf cfpg' ePsf] lyof], kl5 1ft eP cg';f/ aLdf sDkgLn] >L Pd aL yfkfnfO{ ;e{] sfo{ ;'lDkPsf] /x]5 . pQm aLdf sDkgLn] v6fPsf] JolQmn] pQm ;e{] sfo{ gu/L cGo JolQmnfO{ dfq ;e{] u/fP/ k|fKt k|ltj]bgdf >L Pd=lj= yfkfn] ;xL dfq u/]sf] s'/f cjut u/fpg rfxG5f}+ . ut !@ gf]e]Da/, @))@ df g]zgn OG:of]/]G;n] o; sDkgLNffO{ k7fPsf] kqdf pQm b'3{6gfsf] Ifltk"lt{ glbg] lg0f{o u/]sf]df o; sDkgLnfO{ Gofo lbnfpg pQm b'3{6gfsf] k'/f hfFra'em u/L o; sDkgLn] bfjL u/]sf] /sd cljnDa lbnfO{ kfpg ljgd| cg'/f]w ub{5f}+ eGg] Joxf]/fsf] lgj]bs >L czf]s /fh kf08], k|jGw ;+rfnssf] ldlt @)%(.(.@@ sf] ph'/L lgj]bg . @= pQm bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL ;Dk"0f{ sfuh tyf ljj/0f ;d]t of] kq k|fKt ldltn] !% -kGw|_ lbg leq o; ;ldltdf k]z ug'{ x'g aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd ;"lrt ul/G5 eGg] ;ldltsf] ldlt @)%(÷!)÷!# sf] kqaf6 aLdsnfO{ lgb{]zg . #= pk/f]Qm ljifodf aLldt g]kfn On]lS6«s e]lxsn O08li6«h k|f=ln=sf] af=!x=#$%& gDa/sf] ljB'tLo ;fj/L ;fwg o; sDkgLsf] aLdfn]v gDa/ @$).s]=aL=.!.^#))!!*.)!–)@ cGtu{t aLdf ePsf]df s'g} ljjfb 5}g . ldlt @)%*.^.! df aLldt ;jf/L ;fwg b'3{6gf ePsf] eGg] Joxf]/sf] aLdf bfjL sDkgLdf k]z ePkl5 ;Ddflgt ;ldltaf6 Ohfht k|fKt ;e{]o/ >L Pd=aL=yfkf, k|ltlglw, >L g]kfn Sn]D; Ao"/f]nfO{ ;e{]sf] nflu v6fOof] / ;e{]o/ kIfaf6 Iflt ePsf] ;jf/L ;fwgsf] lgl/If0f kZrft k]z ePsf] ;e{] l/kf]6{ cg';f/ aLldt kIfåf/f bfjL u/]s]f Aof6«L ;DaGwL Iflt b'3{6gf;+u d]n gvfg] eGg] Joxf]/fsf] ;e{] l/kf]6{ k]z ePsf] x'Fbf o; sDkgL Ifltk"lt{sf] nflu pQ/bfoL gx'g] Joxf]/fsf] hfgsf/L aLldtnfO{ o; sDkgLsf] tb\g';f/ !# gf]e]Da/ @))@ sf] kqåf/f hfgsf/L u/fOof] .

aLdfn]vsf] kl/lwleq s'g}klg b'3{6gfsf] sf/0faf6 x'g] gf]S;fgL dfq kg{] t/ kl/df0f :j?ksf xfgL, rng rNtLaf6 ePsf] ¥xf; aLdfn]vsf] kl/lw leq gkg{] Joxf]/f ;Ddflgt ;ldltnfO{ hfgsf/L ePs} ljifo xf] . t/ ;e{]o/sf] k|ltj]bg cg';f/ aLldtåf/f dfu ul/Psf] bfjL b'3{6gf;+u ;DalGwt geO{ kl/df0f :j?k ePsf] xfgL ePsf]n] o; sDkgL Ifltk"lt{sf] nflu lhDd]jf/ g/xg] Joxf]/f cg'/f]w ug{ rfxG5f}+ . ;f] ;DaGwdf ;e{] l/kf]6{sf] a'Fbf !$ df pNn]lvt Joxf]/f ;Ddflgt ;ldltsf] Wofg cfsif{0f u/fpg rfxG5f}+ eGg] aLdssf] ldlt @)%(.!).@@ sf] lnlvt hjfkm . $= pQm aLdf bfjL lgj]bssf] dfu adf]lhd e'QmfgL ug'{ gkg{] ;DaGwdf cGo s'g} cfjZos sfuh k|df0f tyf ljj/0f eP lnlvt hjfkm ;fy & -;ft_ lbg leq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)^)÷@÷! sf] kqaf6 lgb{]zg . %= aLdf bfjL ;DaGwdf aLldt kIfåf/f b'3{6gf ePs} lbg ;f]sf] hfgsf/L sDkgLdf k]z ePsf] / sDkgLaf6 klg ;f]xL lbg ;e{]o/ >L Pd=aL=yfkf, ;e{]o/ g]kfn Sn]D; Ao"/f]nfO{ ;e{] g{ v6fOPsf]df ;e{]o/ kIfaf6 klg ;f]xL lbg ;jf/L ;fwg lg/LIf0f u/]sf] Joxf]/f ;e{] l/kf]6{af6 k|i6 x'G5 . t/ aLldt kIfåf/f b'3{6gf :ynaf6 klxn] g} ;jf/L ;fwg p7fO{;s]sfn] b'3{6gf :yndf ;e{] ug{ g;lsPsf], ;e{]o/n] k|x/L sfof{nodf ;jf/L ;fwg lg/LIf0f ug{ hfFbf ;jf/L ;fwgaf6 Aof6«L klxn] b]lvg} lgsfnL ;s]sf] tyf kmfOn ;e{] x'g' cufl8 g} ;jf/L ;fwg dd{t ul/;s]sf] / dfu ul/Psf Ifltx? b'3{6gfsf] j:t' l:ylt;+u d]n gvfg] eGg] Joxf]/f ;e{] l/kf]6{af6 v'Ng cfPaf6 aLldt kIfåf/f b'3{6gfaf6 ePsf] Ifltsf] oyf]lrt d"NofÍg ug{ glbO{ kl/df0f :j?ksf] xfgL–gf]S;fgL tyf rng rNtLaf6 ePsf] ¥xf; cflbnfO{ klg Iflt b]vfO{ bfjL u/]sf] b]lvG5 . o;/L b'3{6gfsf] sf/0faf6 ePsf] Iflt geO{ kl/df0f :j?k ePsf] ¥xf; aLdfn]vsf] kl/lw leq gkg{] eGg] aLdssf] ldlt @)^).!.!@ sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl; ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] Uof; 6]Dkf]sf] aLdf cjlw leq} b'3{6gf ePsf]df ;d]t s'g} ljjfb gePsf] k|:t't d'2fdf Iflt ePsf] 6]Dkf] / t]>f] kIfsf] cf}ifwf]krf/ vr{ ;d]t bfjL kfpg' kg{] eGg] aLldt tkm{sf] egfO{ /x]sf]df ;e{] k|ltj]bg cg'?k pQm 6]Dkf]sf] jfXo (External) Iflt gePsf] tyf ePsf Ifltx? b'3{6gfaf6 ePsf] eGg ldNg] cj:yf gb]v]sf] egL aLdsn] bfjL e'QmfgL gu/]sf] b]lvof] .

o;/L lg0f{o tkm{ ljrf/ ubf{ ldl;n ;+nUg sfuhftaf6 b'3{6gf ePsf] 6]Dkf]sf] Iflt jfXo sf/0fn] gePsf] eGg] ;e{] k|ltj]bgdf k|i6 pNn]v ePsf] x'Fbf aLdfn]v adf]lhd Ifltu|:t 6]Dkf]sf] aLdf bfjL e'QmfgL ug{' gkg{] eGg] aLdssf] egfO{ dgfl;a b]lvg cfof] . ;fy} t]>f] kIf bfjL ;DaGwdf lgj]bsn] aLdf bfjL kmf/d ebf{ t]>f] kIf jfkt dfu bfjL gu/]sf] tyf ;ldltdf ph'/L lb+bf ;d]t t]>f] kIf 3fOt]sf] gfd pNn]v gx'g'sf ;fy} k|x/L k|ltj]bg ;d]tdf t]>f] kIf 3fOt]sf] gfd pNn]v ;d]t gePsf] cj:yfdf t]>f] kIf bfjL jfktsf] bfjL /sd aLdsn] e'QmfgL ug{'kg{] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& sf] pkbkmf -$_ adf]lhd lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn >fj0f ( ut] /f]h ^ z'ed\=======

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L cGhgf 9'Ëfgf >L lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ ln= lj/f6gu/–& lqk'/]Zj/, sf7df8f}+ .

d'2f M– t]>f] kIf aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . != s[lif ljsf; a}+s a}+lsË sfof{no, O6x/L C0fL d lgj]bLsf cGhgf 9'Ëfgf ePsf] sf]!x $*^ g+=sf] Uof; 6]Dkf] lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ln=gfds OG:of]/]G; sDkgLsf] aLdfn]v g+= )#)@!!)@. )#)))!) af6 OG:of]/]G; ePsf] 5 . 6+s k|;fb e]6jfnsf] hfx]/Ln] jfbL >L % sf] ;/sf/ k|ltjfbL sf]!x $*^ g+= sf] 6]Dkf] rfns rGb| axfb'/ lji6 ePsf] ;=kmf} g+= !%& sf] ;jf/L Hofg d'2f rnL cg';Gwfgsf] qmddf Onfsf k|x/L sfof{no O6x/Lsf] r=g+= !%! ldlt )%(.^.( sf] kq;fy lhNnf k|zf;g sfof{no, ;'g;/Ldf pkl:yt u/fpFbf s[of vr{ jfkt ?= !),))).– / Ifltk"lt{ jfkt ?= #,)),))).– df ga9fO{ slDtdf ?= %),))).– df g36fO{ d[ts kIf / ;jf/L wlg b'j} kIf ;xdltdf cfpg' xf]; >L k|d'v lhNnf clwsf/LHo"n] eGg' ePsf]df s[of vr{ Ifltk"lt{sf] /sddf ;xdlt x'g g;s]sf]df d[tssf] cj:yf d[tssf] x}l;ot d[ts;+u cfl>t kl/jf/sf] cj:yfnfO{ Wofgdf /fvL >Ldfg k|d'v lhNnf clwsf/LHo"n] ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !^# -@_ adf]lhdsf] clwsf/ k|of]u u/L d af6 dg{]sf] xsjfnf -kTgL v]d s'df/L e]6jfn_ nfO{ s[of vr{ / Ifltk"lt{ jfkt /sd ?= (@,%)) e/fO{ lbg' eof] . pQm /sd d}n] d[tssf] xsjfnf klTgnfO{ ls|ofvr{ / Ifltk"lt{ a'emfPsf] xf] . lghn] pQm ls|ofvr{ / Ifltk"lt{ /sd a'em]sf] ekf{O ;d]t ;f]xL lbg ul/lbg' ePsf] lyof] . o;/L 6]Dkf] lk|ldo/ OG:of]/]G; sDkgL -g]kfn_ ln=df ul/Psf] x'Fbf 6]Dkf] lau|LPsf] jfkt ?= #*,#^*.– df]6/;fOsn lalu|P jfkt ?= !&,(*%.– . csf{] JolQm klg b'3{6gfdf k/]sf]df lghnfO{ cf}ifwL jfktdf ?=@,%)).– a'emfPsf]df ;f] /sd / t]>f] kIfsf] s[of vr{ / Ifltk"lt{ jfkt ?= (@,%)).– dnfO{ lbnfO{ kfpF egL aLdf sDkgLdf cfj]bg -Sn]d_ u/]sf]df d]/f] bfjL PS;]; ePsf] egL dnfO{ aLdf sDkgLsf] hfgsf/L kq ldlt )%(.(.@( df k|fKt e} bfjL /sd aLdf sDkgLn] dnfO{ lbg] /sd af/] hfgsf/L eof] . pQm kqdf pNn]v ePsf] t]>f] kIfsf] s[of vr{ jfkt ?= !&,%)).– lbg] eGg] Joxf]/f afx]s cGo Joxf]/fdf d]/f] lrQ a'em]s} 5 t/ d}n] t]>f] kIfsf] s[of vr{ / Ifltk"lt{ jfktdf ? (@, %)).– a'emfPsf]df ;f] nfO{ s6f}tL u/L t]>f] kIfsf] d[To' jfktdf egL ?=!&,%)).– lbg] egL

u/]sf] kmfOgnL Assessed lrQ ga'em]sf] x'Fbf aLdf sDkgLn] d aLldtsf] xs lxt lj?4 x'g] u/L dnfO{

cfly{s gf]S;fgL k'¥ofPsf] x'Fbf aLdf P]g, @)$(, sf] bkmf !&-@_ adf]lhd ph'/ ug{ cfPsf] 5' . ;jf/L tyf oftfoft Joj:yf lgodfjnL adf]lhd t]>f] kIfsf] aLdf ?= tLg nfv;Dd /x]sf] sfg"gL Joj:yf 5 . To:t} ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !%@ df t]>f] kIfsf] aLdf ;DaGwL Joj:yf /x]sf] kfOG5 eg] ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !^#-@_ n] s[of vr{ / Ifltk"lt{ jfktsf] /sd k|d'v lhNnf clwsf/Ln] e/fO lbg] Joj:yf /x]sf] 5 . ;f] x'Fbf d lgj]bsn] s[of vr{ Ifltk"lt{ e/]sf] ldlt

)%(.^.( ut] eGbf w]/} cufl8 b]lv k|d'v lhNnf clwsf/Ln] Ps JolQmsf] d[To' ePsf]df s[of vr{ jfkt ?= !),))).– / Ifltk"lt{ jfktdf ?= %),))).– df g36fO{ e/fO{ lbO /x]sf] cj:yf 5 eg] lhNnf ;/sf/L jlsn sfof{non] klg lhNnf k|zf;g sfof{nonfO{ s[of jfkt ?= !),))).– / Ifltk"lt{ jfkt ?= #,)),))).– eGbf a9L gx'g] u/L k|lt JolQm –ofqL aLdf ;/x_ ?= %),))).– e/fO{ lbg] eGg] kl/kq ;d]t ePsf] cj:yf 5 / d}n] s[of vr{ / Ifltk"lt{ jfkt a'emfPsf] /sdsf] ;doeGbf cl3 / xfn;Dd klg ;'g;/L lhNnf cbfntn] s'g} d'2fdf t]>f] kIfnfO{ s[of vr{ / Ifltk"lt{ glbPsf] cj:yfdf gub ?=!),))).– s[of vr{ / Ifltk"lt{ jfkt klg gub} ?= %),))).– dfq u/L /x]sf] cj:yf 5 . oL ;a} sf/0fx?af6 d[tssf] x}l;ot lgh;+u cfl>t kl/jf/nfO{ x]/L k|d'v lhNnf clwsf/LHo"n] ?= (@,%)).– aLdf s[of vr{ / Ifltk"lt{ jfktdf e/fO lbPsf] xf] . o;/L d}n] d[tssf] xsjfnfnfO{ ?= (@,%)).– e'QmfgL u/]sf]df dnfO{ cflys ef/ kg{] u/L ?= !&,%)).– dfq lbg] eGg] aLdf sDkgLn] bfloTj lgwf{/0f u/]af6 d aLldtsf] lxtsf] lj?4 x'g] u/L dnfO{ gf]S;fg k'¥ofPsf] x'Fbf pQm ?= (@,%)).– aLdf sDkgLaf6 d aLldtnfO{ a'emfpg' eGg] lg0f{o u/L kfpg aLdf P]g, @)$( sf] bkmf !& adf]lhd lgj]bg u/]sf] 5' . pQm bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL eP u/]sf sfd sf/jfxL ;DaGwL ;Dk"0f{ sfuh tyf ljj/0f ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!)÷@# sf] kqaf6 lgb{]zg . aLldt c+hgf 9'+ufgfsf] ldlt )%(.%.!* sf] kq cg';f/ Ifltk"lt{ dfudf t]>f] kIfsf] d[To' g} x'g uPsf] eGg] egfO{ geO s]jn df]6/;fOsn b'3{6gf ePsf] pNn]v ePsf] xfd|f] lj/f6gu/ zfvf sfof{nodf btf{ ePsf] kq k|fKt . cfjZos ;e{] lgldQ xfd|f] pQm zfvfnfO{ >L lxdu'gf sG;N6ofG6;nfO{ ;e{] sfo{ ug{ df}lvs lgb{]zg u/L k|fKt ;e{] l/kf]6{df ;+nUg ul/Psf sfuhftx? bfjL kmf/fd ;lxtaf6 dfq t]>f] kIfsf] d[To' ePsf] hfgsf/L x'g cfPsf] . ;e{]o/åf/f ;e{] sfo{ @)%(.%.@$ df ;DkGg u/]sf] l/kf]6{af6 v'Ng cfpg] b]lvG5 . t]>f] kIfnfO{ /sd a'emfPsf] @)%(.^.( df b]lvbf ;f] Joxf]/f ;e{]o/nfO{ ;d]t 1ft gePsf] / kl5 sfuhftx? dfq ;+nUg e} cfPsf] . b'3{6gf kZrft t]>f] kIfsf] d[To' ePsf]df lbg'kg{] Ifltk"lt{ ?= (@,%)).– ;DaGwdf aLldtaf6 s'g} df}lvs jf lnlvt hfgsf/L x'g gcfPsf] . ;f] adf]lhdsf hfgsf/L gx'Fbf aLdfn]vsf] kl/R5]b @ sf] g+= % adf]lhd o; aLdf sDkgLsf] k|lt/Iff ug{] clwsf/ s'l07t x'g k'u]sf]df k|rlnt Joj:yf cg';f/ ?= !&,%)).– sf] dfq e'QmfgL ul/Psf] xf] . o; aLdf bfjL e''''''''QmfgLsf] cfwf/ To; aLdf ;ldltaf6 lbk clwsf/L, tLg 6f]lnof o'jf rf]s lj/f6gu/ !# lj?4 lb cf]l/o06n OG:of]/]G; sDkgL ln=, sflGtky, sf7df08f}+sf] bfjL ;DalGwt lg0f{o aLdf ;ldltaf6 k|sflzt lg0f{o ;+u|x efu ! sf] Joxf]/fnfO{ cfwf/ ;d]t agfOPsf] 5 eGg] Joxf]/fsf] aLdssf] ldflt )%(.!).@& sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} b'3{6gf eO{ t]>f] kIf ;d]tsf] Iflt ePsf] / cGo Ifltsf] ;DaGwdf s'g} ljjfb gePsf] k|:t't aLdf bfjL ;DaGwL d'2fdf t]>f] kIfsf] s[ofvr{ / Ifltk"lt{ jfkt k|d'v lhNnf clwsf/Ln] ;jf/L tyf oftfoft Joj:yf P]g, @)$( sf] bkmf !^#-@_ adf]lhd clwsf/ k|of]u u/L dg{]sf] xsjfnfnfO{ s[of vr{ / Ifltk"lt{ jfkt ?= (@,%)).– e/fO{

lbPsf]n] ;f]xL adf]lhd bfjL e'QmfgL kfpg'kg{] eGg] lgj]bs tkm{sf] egfO /x]sf] kfOG5 eg] aLdfn]vsf] kl/R5]b @ sf] g+= % adf]lhd aLdssf] k|lt/Iff ug{] clwsf/ s'l07t x'g k'u]sf] / ;ldltaf6 ePsf] tt\;DaGwL k"j{ lg0f{o ;d]tsf cfwf/df ?= !&,%)).– dfq e'QmfgL ul/Psf] xf] eGg] aLdstkm{sf] egfO{ /x]sf] kfOof] . o;/L lg0f{o tkm{ ljrf/ ubf{ ldl;n ;+nUg sfuhftaf6 lgj]bsn] pNn]v u/] adf]lhd k|d'v lhNnf clwsf/Ln] lg0f{o u/]sf] geO{ /f]xj/df b'O kIf aLr ?= (@,%)).– -aofgAa] xhf/ kfFr ;o_ dfq lng'lbg' u/]af6 aLdfn]v -s/f/_ sf] Joj:yf ljkl/t aLdssf] k|lt/Iff ug{] clwsf/ s'l07t ePsf] cj:yfdf ?= !&,%)).– e'QmfgL ug{] aLdssf] egfOnfO{ cGoyf eGg ldNg] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn >fj0f ( ut] /f]h ^ z'ed\=======

kIf ljkIf aLldt÷lgj]bssf] gfd aLdssf] gfd >L s[i0f k|;fb pk|]tL >L /fli6«o aLdf ;+:yfg gf}la;], wflbË /fdzfxky, sf7df8f}+ .

d'2f M– df]6/ aLdf bfjL af/] . aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& tyf aLdf lgodfjnL, @)$( sf] lgod ## cGtu{t o; ;ldltdf kg{ cfPsf] ph'/L ;DaGwdf cfjZos sf/jfxL eO{ k]z x'g cfPsf] o; aLdf bfjLsf] ;+lIfKt Joxf]/f o; k|sf/ 5 . d]/f] gf=c=v= $@!( g+= sf] ef8f 6«s ;+rfngsf] cljlwdf ldlt )%*.&.!& df wflbË a]lg3f6 g]/ gf=! v=&(^) g+= sf] 6«s;+u 7Ss/ nflu b'3{6gf ePsf] / ;f] b'3{6gf Ifltk"lt{ kfpF egL cfjZos ;a} sfuhft ;d]t /fvL /fli6«o aLdf ;+:yfgdf lgj]bg ubf{ cfh;Dd klg Ifltk"lt{ /sd glbPsf]n] ;f] b'3{6gf ;DaGwL Ifltk"lt{ bfjL /sd cljnDa pknAw u/fO{ lbg /fli6«o aLdf ;+:yfgsf gfpFdf cfb]z tyf lgb{]zg e} hfgsf/L kfpF eGg] Joxf]/fsf] lgj]bs s[i0f k|;fb pk|]tL, gf}la;] wflbËsf] ldflt )%(.!@.@$ sf] ph'/L lgj]bg . pQm bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)^)÷!÷@# sf] kqaf6 lgb{]zg . ;e{]o/sf] l/kf]6{ cg';f/ pQm uf8L !((! df]6/sf] ePsf]n] ;f]xL cg';f/sf] l8lk|P;g ;fNe]h PS;]; ?= &,))).– cflb s6fpFbf lbg'kg{] Ifltk"lt{ /sd ?= !!,&!).– x'g cfpg] tyf % jif{ eGbf k'/fgf] Joj;flos uf8Lsf] yk clgjfo{ clws ?= #%,))).– s6fpg ;d]t pQm /sd gk'u ePsf]n] pQm uf8L b'3{6gfsf] Ifltk"lt{ pknAw u/fpg g;s]sf] eGg] Joxf]/fsf] aLdssf] ldlt )^).@.!@ sf] lnlvt hjfkm . pQm aLdf bfjL ;DaGwdf ;ldltsf] ldlt )^).!.@# sf] kqaf6 dfu ul/Psf] aLdfn]vsf] k|dfl0ft k|ltlnlk nufot tt\;DaGwL ;Dk"0f{ sfuh o; ;ldltdf k]z x'g cfPsf] kfOPg . o;y{, pQm aLdf bfjL lgj]bssf] dfu adf]lhdf e'QmfgL ug{ gkg{] ;DaGwdf cGo s'g} cfjZos sfuh tyf k|df0f eP ;f] ;d]t lnlvt hjfkmsf ;fy & -;ft_ lbg leq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)^)÷@÷@* sf] kqaf6 lgb{]zg . aLdfn]v g+=)%@ aL=cf/=hL.Pd=eL=hL )##^ tyf ;f]sf] gjLs/0f ;Dk'li6sf] k|ltlnlkx? o;};fy k7fOPsf] 5 . bfjL ;DaGwL ;e{]o/sf] k|ltj]bg oxfFsf] ldlt )^).@.!@ sf] kq;fy k7fO;lsPsf] 5 . aLldtaf6 k|fKt ljn tyf ;e{]o/sf] P;];d]06sf] cfwf/df :ofne]h tyf clgjfo{ PS;]; ?= %,))).– tyf :jo+ Joxf]l/g] clws ?= @,))).– s6fpFbf Ifltk"lt{ /sd ?= !!,&!).– x'g cfpg]df pk/f]Qm PS;]; afx]s uf8Lsf] df]8n d'tflas aLldtn] lgDgfg';f/sf] yk clwstd xfgL–gf]S;fgLsf] /sd Joxf]g{' kg{] Joj:yf /x]sf] 5 . #–% jif{ ;Dd k'/fgf] Joj;flos uf8Lsf] ?= !%,))).– % jif{ eGbf k'/fgf] Joj;flos uf8Lsf] ?= #%,))).– pQm Joj:yf ToxfFsf] la=k|=zf=@)-)%$.%% r=g+=!$#_ ldlt )%$.$.@) sf] kq adf]lhd k|fKt lg0f{osf] clwgdf /xL ul/Psf] Joxf]/f hfgsf/L u/fpFb5f}+ .

pNn]lvt uf8L ;g\ !((! df]8nsf] ePsf] x'gfn] b'3{6gfsf] avt !) jif{ k'/fgf] e} ;s]sf] x'gfn] aLdfb/ adf]lhd ^)Ü ¥xf; s§Lsf] sf/0f Ifltk"lt{ /sd sd x'g uPsf] tyf pQm /sd aLldtn] Joxf]g'{kg{] yk clwstd xfgL–gf]S;fgLsf] /sd ?= #%,))).– s§L ug{ ;d]t kof{Kt gePsf]n] bfjL e'QmfgL ug{ g;lsPsf] eGg] aLdssf] ldlt )^).#.!! sf] lnlvt hjfkm .

7x/ o; k|sf/ ldl;n ;+nUg ;Dk"0f{ sfuhftsf] cWoogaf6 aLdf ePsf] / aLdf cjlw leq} aLdf u/]sf] ;jf/L ;fwg gf=c=v= $@!( b'3{6gfdf k/L Ifltu|:t ePsf]df ;d]t s'g} ljjfb gePsf] k|:t't aLdf bfjL ;DaGwL d'2fdf aLdf bfjL /sd kfpg'kg{] eGg] lgj]bstkm{sf] egfO /x]sf] kfOG5 eg] pQm ;jf/L ;fwgsf] bfjL ;DaGwdf aLldtaf6 k|fKt ljn ;e{]o/sf] k|ltj]bgsf] cfwf/sf ;fy} pQm ;jf/L ;fwg b'3{6gf x'Fbf !) jif{ k'/fgf] ePsf]n] aLdfb/ adf]lhd ^)Ü ¥xf; s§f ;fNe]h tyf clgjfo{ clws tyf :jo+ Joxf]l/g] clwssf ;fy} % jif{eGbf k'/fgf] uf8L jfkt aLldt :jo+n] Joxf]g{' kg{] Iflt jfkt s§L ug{'kg{] /sd ;d]tsf sf/0f bfjL e'QmfgL ug{ gkg{] eGg] aLdstkm{sf] egfO /x]sf] kfOof] . o;/L k|rlnt g]kfn df]6/ aLdfb/ ;ldltsf] lgb]{zg tyf aLdfn]vsf zt{ tyf ;'ljwfsf] clwgdf /xL aLdsn] u/]sf] lg0f{onfO{ cGoyf eGg ldNg] b]lvPg . o;y{, aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& sf] pkbkmf -$_ adf]lhd lgj]bg vf/]h x'g] 7x5{ . o; pk/ lrQ ga'em] aLdf P]g, @)$( sf] bkmf #& adf]lhd k'g/fj]bg cbfnt, kf6g, nltntk'/df k'g/fj]bg ug{ ;d]t hfgsf/L u/fOG5 . Olt ;Dat\ @)^) ;fn >fj0f ( ut] /f]h ^ z'ed\===================


dfggLo Gofoflwz >L lu/Lz rGb| nfn dfggLo Gofoflwz >L 1fg]Gb| axfb'/ sfsL{

af6 ePsf] km};nf ;Djt\ @)%( ;fnsf] b]=k'=g+===========================================================!#@$.@&%(

O=g+= % sf] lg=g+= $# sf=lh= l;tfkfOnf rqmky l:yt /lhi6«f8{ sfof{no /x]sf] PnfoG; OG:of]/]G;

k'g/fj]bs sDkgL lnld6]8sf] tkm{af6 clVtof/ k|fKt P]=sf dxfk|aGws tyf sDkgL kIf ;lrj k|sfz dfg t'nfwf/ ================================================================!

lj?4 sfe|]knf~rf]s lhNnf kftn] v]t uf=lj=;= j8f g+= # a:g] ;'Gb/ /fO; ljkIf ldnsf k|f]k|fO6/ /fh]Gb| k|;fb pkfWofo ldldlN;gf============================= ! d'2f M– clUg aLdf /sd bfjL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ cg';f/ bfo/ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt ljj/0f o; k|sf/ 5 . sfe|] knf~rf]s lhNnf kftn]v]t uf=lj=;= j8f g+= # a:g] d /fh]Gb| k|;fb pkfWofo -ltldlN;gf_ sf] :jfldTjdf /x]sf] ;'Gb/ /fO{; ldn, PnfOG; OG:of]/]G; sDkgL ln= b/af/dfu{df clestf{ la=c= ag]kf ))$ dfkm{t clUg, x'nb+uf, cft+s zLif{sdf sDkgLsf] lgod cg';f/ e'QmfgL u/L aLdf ul/Psf] . ldlt @)%&÷&÷!@ ut] /flt c1ft JolQmaf6 ldn]sf] ;fy} ldn ePsf] 3/ uf]bfd ;d]t cfuf] nufO gi6 ul/lbPsf] x'Fbf ;DalGwt aLdf sDkgL -PnfOG; OG:of]/]G; sDkgL_ df ldlt @)%*÷&÷!$ ut] Iflt d"NofÍg u/L pBf]u k'g{:yfkgf u/fO{ kfpgsf nflu lgj]bg lbPsf]df sf]08f sG:6«;gnfO{ Iflt d"NofÍg ug{ lhDdf lbPPsf] eGg] df}lvs hfgsf/L kfOPsf] / 36gf:yndf d"NofÍgsf nflu eGg] ;'Ggdf dfq cfPsf] . d"NofÍgaf6 s] slt Iflt ePsf] eGg] k|dfl0ft eof] eGg] ;d]t yfxf gePsf]n] Ifltk"lt{ kfpg tfs]tf ubf{ sDkgLaf6 Ifltk"lt{ jf k'g{:yfkg u/L kfpg'sf] ;§f Ifltk"lt{ dfu bfjL ul/Psf] $ dlxgfkl5 @)%*÷!)÷@^ df sDkgLn] v6fPsf] ;e{]o/, sDkgLdf k]z ePsf] sfuhftsf] cg';Gwfg ubf{ / kqklqsfdf k|sflzt ;dfrf/df dfcf]jfbLn] nufPsf] elgPsf]n] bfjL aLdf lxt of]Uo gePsf] eGg] h:tf a'Fbfx? ;dfj]z u/L cftÍjfb s]nfO{ elgG5 eGg] ;d]t yfxf gePsf] h:tf] u/L cftÍjfbaf6 ePsf] xf]Og of] dfcf]jfbLaf6 ePsf]n] aLdfof]Uo gePsf] eGg] a'emfpg] vfnsf] kq aLldt kIfnfO{ pknAw u/fPsf]n] / cftÍ eGg] ;dfhdf sf]xL s;}n] klg km}nfpg ;S5 / To:tf] cj:yfdf s'g} jfbsf] s'/f /fVb}df cftlÍt x'g] vfnsf] 36gf 36fpg] gf]S;fgL u/fpg] sfo{nfO{ cftÍjfb cGtu{t kb{}g eGg gldNg] ePsf] / d aLldt kIfsf] pBf]udf ePsf] 36gf cftÍ km}nfpg] lsl;dsf] cft+sjfbLaf6 ePsf]n] PnfOG; OG:of]/]G; sDkgL ln=sf] lg0f{o ab/ u/L d"NofÍg u/fO{ Ifltk"lt{ u/fO lbg'x'g Gofosf] nflu aLdf ;ldltdf of] lgj]bg ;fy ;Demf}tf kqsf] k|ltlnlk Iflt ljj/0f ;f;y} Iflt ePsf] ejgsf] kmf]6f] ;d]t ;dfj]z u/L lgj]bg k]z u/]sf] 5' eGg] Joxf]/fsf] lgj]bs /fh]Gb| k|;fb pkfWofo -ltldlN;gf_ k|f]kfO6/ ;'Gb/ /fO; ldn kftn]v]t uf=lj=;= j8f g+= # sfe|] knf~rf]ssf] ldlt @)%*÷!!÷!# sf] lgj]bg . ToxfFsf] ldlt @)%*÷!!÷!# sf] ph'/L lgj]bg ;DaGwdf cfjZos sf/jfxL cufl8 a9fOPsf] Jox]/fsf ;fy} pQm lgj]bgdf v'nfP adf]lhd kmf]6f] tyf s]xL sfuhft ;+nUg ePsf] gb]lvPsf] x'Fbf oyflz3| ;Dks{ /fVg'x'g eGg] Joxf]/fsf] lgj]bsnfO{ ;ldltsf] ldlt @)%*÷!@÷!$ sf] kq . To; sDkgLdf aLdf ePsf] ;'Gb/ /fO; ldndf ldlt @)%&÷&÷!@ df 3/ uf]bfddf cfuf] nufO{ gi6 ul/lbPsf] ;DaGwdf To; sDkgLaf6 v6fOPsf] ;e{]o/åf/f ToxfF k]z x'g cfPsf] ;e{] k|ltj]bgsf] k|dfl0ft

k|ltlnlk !) lbgleq pknAw u/fpg aLds >L PnfoG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%*÷!@÷!^ sf] kqsf] lgb{]zg . pk/f]Qm ;DaGwdf sf=k=lh= kftn]v]t uf=lj=;= jf8{ g+=# a:g] d /fh]Gb| k|;fbsf] :jfldTjdf /x]sf] ;'Gb/ /fO{; ldn ldlt @)%&÷&÷!@ ut] /ftL cfunfuL ePsf] Joxf]/f cjut u/fpb} ;f] ldn PnfOG; OG:of]/]G; sDkgL ln=df aLdf ul/Psf]df aLdf of]Uo gePsf] egL dnfO{ hfgsf/L u/fPsf] lj?4 aLdf of]Uo 5 egL To; sfof{nodf lbPsf] lgj]bgdf gk'u x'g cfPsf] bdsn -af?0f oGq_ sfof{nosf] kq / 3/ cfunfuL ePsf] cj:yfsf] kmf]6f] ;+nUg u/L k]z u/]sf] 5' eGg] lgj]bssf] ldlt @)%*÷!@÷!$ sf] hjfkm . pQm bfjL ;DaGwdf o; sDkgLåf/f v6fOPsf] ;e{]o/åf/f k]z ul/Psf] ;e{] k|ltj]bgsf] k|dfl0ft k|ltlnlksf] hjfkm k7fPsf] aLds PnfOG; OG:of]/]G; sDkgL ln=sf] ldlt @)%*÷!@÷@! sf] hjfkm . To; sDkgLn] ldlt @)%*÷!)÷@^ -r=g+=!%!^.)%*.)%( sf] kq dfkm{t aldt >L ;'Gb/ /fO; ldn kftn]vt uf=lj=;= #, sfe|]knf~rf]snfO{ Ædfcf]jfbLx?n] hnfO{ lbPsf] b]lvg cfPsf]n] pQm bfjL aLdf of]Uo lxt (Insurable Interest) leq kg{] gb]lvPsf]Æ eGg] Joxf]/f pNn]v u/]sf] kfOof] . tyflk ldlt df3 #, @)%* df ;e{]o/ Konda Consultants eQmk'/sf] ;e{] k|ltj]bgdf ;f] af/] s]xL pNn]v ePsf] gb]lvPsf]n] s] s'g cfwf/df To:tf] n]lvPsf] xf] < :ki6 kf/L k7fpg aLds PnfOG; OG:of]/]G; sDkgL ln=nfO{ ;ldltsf] ldlt @)%*÷!@÷@# sf] kqsf] lgb{]zg . pQm bfjLsf] ;DaGwdf bfjLstf{n] clUg aLdf k|:tfj kmf/fd ebf{ pQm :yfgdf /fO{; ldn tyf ;f] ;DaGwL cGo ;fdfgx? /x]sf] elg clUg aLdf k|:tfj kmf/fd e/L o; sDkgL ;dIf k]z u/]sf] / To; k|:tfj kmf/dsf] cfwf/df aLdfn]v hf/L ul/Psf] lyof] . bfjL kl/;s]kl5 bfjLstf{åf/f k]z ul/Psf] ;Dk"0f{ sfuhft tyf ;e{] k|ltj]bgsf] cWoog ubf{ pQm ldn 3/fo;L k|of]hgsf] nflu k|of]u ePsf] ;fy} /]o'sfO{ g]kfnsf] :yfgLo sfof{nonfO{ ef8fdf ;d]t /fv]sf] tyf ljleGg kq klqsdf k|sflzt ;dfrf/df pQm ldn /x]sf] ejg cft+ssf/Lx?n] lghL l/;OaLsf] sf/0fn] hnfO{ lbPsf] a'lemg cfPsf]n] pQm bfjL aLdf of]Uo lxt (Insuarable Interest) leq kg{] b]lvg gcfPsf] Joxf]/f ;d]tsf] hfgsf/L u/fpFb5f}+ eGg] aLdssf] ldlt @)%(÷@÷# sf] lnlvt hjfkm . pQm ldn /x]sf] ejg cft+ssf/Lx?n] lghL l/;OaLsf] sf/0fn] hnfO{ lbPsf] a'lemg cfPsf]n] pQm bfjL ÆaLdf of]Uo lxt leq kg{] b]lvg gcfPsf]Æ h:tf] c:ki6 Joxf]/f n]lv cfPsf] x'Fbf :ki6 kf/L k'i6\ofOPsf cfwf/x? k]z ug{ ;d]t aLdsnfO{ ;ft lbgsf] clGtd Dofb lbOPsf] ;ldltsf] ldlt @)%(÷@÷!^ sf] kq . pQm aLdf bfjLsf] ;Gbe{df aLldtn] aLdf k|:tfj kmf/fd btf{ ebf{ æaLdf x'g] 3/ hUufsf] ef]u rngsf] tl/sfÆ cGtu{tsf hjfkmdf /fO; ldn dfq elg pNn]v u/]sf] t/ ;e{]sf] bf}/fg pQm 3/df /]o'sfO{ g]kfnsf] :yfgLo sfof{no ef8fdf a;]sf] b]lvg cfPsf] x'Fbf aLldtn] k|:tfj kmf/fddf e/]sf] ljj/0f km/s b]lvg cfPsf] . o;} ;Gbe{df xfgL–gf]S;fgLsf] sf/0f lhNnf k|x/L sfof{no w'lnv]n sfe|]sf] k|ltj]bg cg';f/ æc1ft JolQmx?n] pQm 3/df cfO{ cfuf] nufO{Æ eGg] ePsf] x'Fbf of] k|s[ltsf] hf]lvd Malicious act cGtu{t klg x'g ;Sg] h;sf] nflu aLdfn]vn] Malicious Damage Risk klg se/ ug{'kg{] t/ pQm hf]lvd k|:t't aLdn]vn] se/ u/]sf] b]lvb}g . t;y{ pQm bfjL km:of{}6 ug{ gldNg] egL o; sDkgLn] u/]sf] lg0f{o dgfl;j g} b]lvPsf]n] o; sDkgLsf] lg0f{o ;b/ u/L kfpF eGg] aLdssf] ldlt @)%(÷@÷@# sf] lnlvt hjfkm . lgj]bg bfjL adf]lhd bfloTj lgwf{/0f u/L bfjL e'QmfgL ug{ gldNg] ;DaGwdf cGo s'g} cfjZos sfuhft tyf ljj/0f eP ;f] ;d]t lnlvt hjfkmsf ;fy ;ft -&_ lbgleq k]z ug{ aLdf P]g, @)$( sf] bkmf !& sf] pkbkmf -#_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!v_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷#÷!( sf] kq . pQm bfjLsf ;DaGwdf o; sDkgLaf6 ldlt @)%*÷!@÷@!, @)%(÷@÷# / )%(÷@÷@# sf] kqx?af6 hfgsf/L u/fOP cg';f/ o; sDkgLsf] lg0f{o ;b/ u/L kfpF eGg] aLds PnfoG; OG:of]/]G; sDkgL ln=sf] ldlt @)%(÷$÷# sf] lnlvt hjfkm .

k|:t't aLdf bfjL ;DaGwdf aLdssf] egfO{ adf]lhd /]o'sfO{ g]kfnsf] :yfgLo sfof{no /x]sf] sf/0f pQm Iflt ePsf] xf] eGg] tyf JolQmut l/;Olasf] sf/0f cfuf] nufPsf] eGg] Joxf]/f ldl;n ;+nUg ;Dk"0f{ sfuhftaf6 k'li6 x'g cfPsf] kfOPg . aLdfn]v cGtu{t cft+sjfb hf]lvdsf] ;'/Iff ePsf] / c1ft JolQmx?n] pQm ldltdf cfuf] nufO{ Iflt ePsf] k|x/L k|ltj]bg / ;e{] k|ltj]bg nufotsf sfuhftaf6 k|i6 ePsf] / aLdf ug{] / Iflt kfpg]sf] pQm ;DklQ dflysf] xslxt sfodf ePsf] cj:yfdf bfjL aLdf of]Uo lxt leq gkg{] eGg ldNg] cj:yf ;d]t b]lvPg . o;y{, k|:t't bfjLdf ;e{]o/n] u/]sf] xflg–gf]S;fgL d"NofÍg cg';f/ aLdn]vsf] zt{ ;'ljwf adf]lhd k'gM bfloTj lgwf{/0f u/L aLldtnfO{ bfjL e'QmfgL ug{' egL aLds PnfoG; OG:of]/]G; sDkgL ln=nfO{ aLdf P]g, @)$( sf] bkmf *-3!_, bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ eGg] ;d]t )%(.(.!@ sf] aLdf ;ldltsf] lg0f{o . aLds / aLldtaLr nfu" x'g] aLdfn]vsf] zt{ g+= ^-^_ zt{ g+=*-s_ cg';f/ k|ToyL{nfO{ s'g} k|sf/sf] Ifltk"lt{ ;'ljwf cflb e'Qmfg ug{'kg{] cj:yf 5}g . ;e{]o/sf] k|ltj]bg cg';f/ pQm ldn 3/fo;L k|of]hgsf] nflu k|of]u ePsf] ;fy} /]o'sfO{ g]kfnsf] :yfgLo sfof{nonfO{ ef8fdf /fv]sf] pQm ldn /x]sf] ejg cft+ssf/Lx?n] lghL l/;OaLsf] sf/0fn] hnfO{ lbO{ aLldtsf] bfjL aLdfof]Uo lxt leq b]lvg gcfPsf]n] aLdf ;ldltaf6 ldlt )%(.(.!@ df ePsf] pQm lg0f{o km};nf pN6L u/L k'g/fj]bssf] lhls/ adf]lhd s'g} klg zt{ ;'ljwf jf Ifltk"lt{ e'QmfgL ug{' gkg{] u/L kfpF eGg] ;d]t k'g/fj]bg lhls/ .

o; cbfntsf] 7x/ lgod adf]lhd b}lgs k]zL ;"rLdf r9L Ohnfz ;dIf k]z x'g cfPsf] k|:t't d'2fdf k'g/fj]bgsf tkm{af6 pkl:yt ljåfg clwjQmf >L v]d k|;fb vltj8fn] ug{'ePsf] jx; ;d]t ;'lg OG;fkm tkm{ ljrf/ ubf{ aLdf ;ldltaf6 ePsf] lg0f{o ldn]sf] 5 5}g / k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;S5 jf ;Sb}g ;f] ;DaGwdf g} lg0f{o lbg'kg{] b]lvg cfof] . o;df aLldtn] clUg, x'nb+uf / cft+s ;d]tsf] aLdf u/fPsf] s'/f aLdfn]vsf sfuhftx?af6 k'li6 e} /x]sf] b]lvG5 . aLdf ul/Psf] 3/df cfuf] nfu]sf] s'/fdf k'g/fj]bstkm{af6 ljjfb p7fOPsf] ;d]t b]lvb}g . aLldtn] ;f] cfuf] :jo+ jf cfkm\gf] tkm{af6 kmfObf lngsf] lgldQ nufPsf] cj:yf ;d]t 5}g . To;sf/0f cfuf] nfu]sf] sf/0fn] aLldtsf] Iflt ePsf]n] ;f] ;DaGwdf aLdf ;ldltaf6 ePsf] lg0f{o k'g/fj]bssf] lhls/ adf]lhd cGoyf ug{ ldNb}g . aLdf ;ldltaf6 ePsf] ldlt @)%(.(.!@.^ sf] lg0f{o dgfl;j g} b]lvgfn] k'g/fj]bg lhls/ k'Ug ;Sb}g . bfo/Lsf] nut s§f u/L ldl;n lgodfg';f/ u/L a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -1fg]Gb| axfb'/ sfsL{_ -lu/Lz rGb| nfn_ Gofolwz Gofolwz Olt ;Dat\ @)^) ;fn efb| % ut] /f]h ^ z'ed\========


dfggLo Gofoflwz >L /fh]Gb| k|;fb sf]O/fnf dfggLo Gofoflwz >L xl/afa' e§/fO{

af6 ePsf] km};nf ;Djt\ @)^) ;fnsf] b]=k'=g+===========================================================!&*(

lg0f{o g+= !$% PnfOG; OG:of]/]G; sDkgL lnld6]8 d'sfd sf=lh=sf=d=g=kf= j8f g+=! k'g/fj]bs bjaf/dfu{ tkm{af6 clVtof/ k|fKt P] sDkgLsf dxfk|aGws tyf sDkgL k|ltjfbL ;lrj k|sfz dfg t'nfwf/ ================================================================!

lj?4 jf/fxL jrt tyf C0f ;xsf/L ;+:yf ln=d'sfd e=k'=lh= kTofyL{ e=k'=g=kf= j8f g+= !@ uMknL -6«nLa; kfs{_=============================== ! jfbL d'2f M– df]6/;fOsn aLdf /sd bfjL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ n] k|:t't k'g/fj]bg o;}cbfntsf] clwsf/ If]q leqsf] b]lvPsf]]n] d'2fsf] ;+lIfKt ljj/0f o; k|sf/ 5 . C0fL >L aL/]Gb| uf]kfn >]i7 -e]n]_ nfO{ xfo/ kr{]h cGtu{t C0f nufgL u/L o; ;+:yfsf] gfpFdf /x]sf] af!@k %^() sf] 8fOË df]6/;fO{sn ldlt @)%*.*.!% sf lbg blIf0fsfnL uf=lj=;= j8f g+= ! l:yt czf]sf xf]6ndf /x]sf] Uof/]hdf cfunfuL eO{ k"0f{ Iflt ePsf]n] aLdf bfjLsf] nflu ;f]xL lbg km\ofS;af6 hfgsf/L lbO{ )%*.*.!^ ut] dfu bfjL u/]sf]df pQm bfjL gk'Ug] egL PnfOG; OG:of]/]G; sDkgL ln=af6 r=g+= !&(@.)%*.)%( sf] kq k|fKt eof] . ;f] k|fKt kq cg';f/ pQm aLdf sDkgLn] u/]sf] lg0f{o lrQ ga'lem o; ;+:yfsf] bfjL dfu cg';f/ aLdf bfjL e'QmfgL kfpg of] ph'/L btf{ ug{ cfPsf 5f}+ . tt\;DaGwdf pQm aLdf sDkgLdf aLdf u/]sf] af!@k %^() sf] df]6/;fOsn cfunfuL eO{ tTsfn hfgsf/L lbO{ bfjL u/]sf]df pQm sDkgLsf] ;e{]o/ z'enfn >]i7 dfkm{t lg/LIf0f ubf{ cfunfuL eO{ df]6/;fOsn sfd} gnfUg] ePsf] xf] egL lg/LIf0f k|ltj]bg k]z u/]sf]df sDkgLnfO{ ;f] lrQ ga'emL k'/} bfjLsf] x'Fbf k'gM OlGhlgo/ lzjZrGb| zfvnfO{ ;e{] lg/LIf0f k7fpFbf lghn] klg ;f]xL Joxf]/fsf] k|ltj]bg k]z u/]sf], sDkgLn] aLdfn]vsf] kl/R5]b ! df pNn]lvt ePsf] zt{gfdf cg';f/ bfjL gk'Ug] u/L lg0f{o ul/Psf] sDkgLsf zt{gfdf tyf aLdf P]g ljkl/t b]lvG5 . sDkgLsf] zt{gfdf k|lts"n sDkgLn] u/]sf] lg0f{o ab/ efuL 5 . bfjLsf] ;DaGwdf bfjLstf{åf/f k]z ul/Psf] ;Dk"0f{ sfuhft tyf aLdfn]vsf] cWoog ubf{ pQm Iflt kl/0ffd :j?ksf] xfgL tyf ljB'tLo sf/0faf6 ePsf] cyf{t cfunfuLsf] sf/s tTj bIfL0fsfnL l:yt czf]s xf]6ndf ePsf] x'Fbf aLdfn]vsf] kl/R5]b ! sf] @-s_ df pNn]v ePsf] zt{gfdf cg';f/ ÆsDkgL lgDg cj:yfdf e'QmfgL lbg afWo x'g] 5}gÆ elg pNn]v eP cg';f/ o; sDkgLåf/f ul/Psf] lg0f{o sfg"g ;Ddt g} ePsf] hfgsf/L u/fpFb5f}+ eGg] aLds PnfoG; OG:of]/]G; sDkgL ln=sf] ldlt @)%(.$.@@ sf] lnlvt hjfkm . lgj]bsnfO{ ;e{]o/sf] d"NofÍg adf]lhd aLdfn]vsf] zt{ tyf ;'ljwfsf] clwgdf /xL k'gM bfloTj lgwf{/0f u/L bfjL e'QmfgL lbg' egL aLds PnfOG; OG:of]/]G; sDkgL lnld6]8nfO{ aLdf P]g, @)$( sf] bkmf * -3!_ tyf

bkmf !& sf] pkbkmf -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -@_ adf]lhd cfb]z lbg] 7x5{ eGg] ;d]t Joxf]/fsf] aLDff ;ldltsf] ldlt )%(.!!.!$ sf] lg0f{o . aLdfn]vsf] kl/R5]b ! sf] -v_ adf]lhd cfuhgL jfXo la:kmf]6g, :jhng ;d]t k|i6 pNn]v u/L aLdfn]v hf/L ePsf] / df]6/;fOsn /flvPsf] Uof/]hsf] ljB'tLo jfOl/Ëdf ;6{ eO{ cfunfuL ePsf] eGg] ;d]t cfwf/ sf/0faf6 aLdfn]vsf] kl/R5]b ! sf] @-s_ df lglb{i6 kl/0ffd :j?ksf] xfgL tyf ljB'tLo gf]S;fgLdf e'QmfgL lbg kg{] jfWotfnfO{ dfGotf lbg gldNg] eGg] lg0f{ofwf/sf] k|Zg 5 ljjfbu|:t df]6/;fOsn :jfefljs cfuhgLaf6 geO{ csf{sf] xf]6nsf] Uof/]hdf /fv]sf] cj:yfdf ljB't ;6{ eO{ Uof/]hdf nfu]sf] cfuf]af6 ePsf] Iflt x'Fbf ;f] afktsf] e'QmfgL lbg gkg{] aLdfn]vsf] kl/R5]b ! sf] @ s -s_ af6 ;d]t k|i6 aLdfn]vsf] ljkl/tfyL{ JofVof u/L ePsf] lg0f{odf k|df0f P]g, @)#! sf] bkmf # / %$ ;d]tsf] k|ToIf q'6L /x]sf] 5 . aLdf ;ldltaf6 ePsf] lg0f{o pN6f] u/L kfpF eGg] ;d]t Joxf]/fsf] k'g/fj]bssf] o; cbfntdf k/]sf] k'g/fj]bg kq .

o; cbfntsf] 7x/ lgod adf]lhd b}lgs k]zL ;"rLdf r9L k]z x'g cfPsf] k|:t't d'2fdf k'g/fj]bg lhls/ ;lxtsf] z'? ldl;n cWoog u/L k'g/fj]bs tkm{af6 ljåfg\ clwjQmf >L g/]Gb| k|;fb uf}tdn] ljkIfLn] k'g/fj]bsaf6 aLdf ul/Psf] df]6/;fOsn blIf0fsfnL czf]sf xf]6]ndf /x]sf] Uof/]hdf cfunfuL e} hn]/ gf]S;fg ePsf] x'Fbf aLdfn]vsf] kl/R5]b !-@_-s_ kl/0ffd :j?k xfgL ePsf] x'Fbf e'QmfgL lbg afWo gePsf] cj:yf e'QmfgL lbg' egL u/]sf] aLdf ;ldltsf] lg0f{o u}/sfg"gL x'Fbf pQm lg0f{o ldn]sf] 5÷5}g k'g/fj]bg lhls/ k'Ug ;f]xL s'/fsf] lg0f{o lbg' k/]sf] 5 . o;df lg0f{o tkm{ ljrf/ ubf{ cfuhgLdf k/]sf] df]6/;fOsn k'g/fj]bsn] cl3g} aLdf u/L /fv]sf] / df]6/;fOsn cfuhgLdf kbf{ ;f] aLdfsf] cjlw afFsL g} /x]sf] s'/fdf ljjfb b]lvPg . To;/L aLdf u/L /flvPsf] df]6/;fOsn cfuf] nflu Iflt ePsf] / ;f] cfunflu aLdf sDkgL / kf6L{aLr ePsf] aLdf ;Demf}tf cGtu{t kg{ ;s]g eg] k'g/fj]bsn] k|dfl0ft ug{ g;s]sf] cj:yfdf aLdf ;ldltaf6 ldlt )%(.!!.!$ df ePsf] lg0f{onfO{ cGoyf eGg ;lsg] l:ylt gb]lv+bf ;f] lg0f{o ;b/ x'g] 7x5{ . k'g/fj]bsn] k'g/fj]bg lhls/ k'Ug ;Sb}g . k|:t't km};nf ePsf] hgfpF kIf / ljkIfL b'j} kIfnfO{ lbO{ ldl;n lgodfg';f/ u/L a'emfOlbg' . pQm /fodf d ;xdt 5' . -xl/afa' e§/fO{ _ -/fh]Gb| k|;fb sf]O/nf_ Gofolwz Gofolwz Olt ;Dat\ @)^) ;fn sflt{s @! ut] /f]h ^ z'ed\=======

>L k'g/fj]bg cbfnt, kf6g, nlntk'/ ;+o'Qm Ohnfz

dfggLo Gofoflwz >L 1fg]Gb| axfb'/ sfsL{ dfggLo Gofoflwz >L cfTd/fd e§/fO{

af6 ePsf] km};nf ;Djt\ @)^) ;fnsf] b]=k'=g+=============================================================!#^)÷@#(^

O=g+=$ sf] lg=g+======== !%@ k'g/fj]bs

sf=lh= hf]/kf6L uf=lj=;=j8f g+=! a:g] 6'ª/fh kf7s ====================== kIf lj?4

ljkIf ;u/dfyf OG:of]/]G; sDkgL ln=, sf7df08f}+============================= =========== k|ToyL{

d'2f M– clUg aLdf bfjL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ n] k|:t't d'2f o;} cbfntsf] If]qfclwsf/ leqsf] eO{ bfo/ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt ljj/0f o; k|sf/ 5 . ljkIfL ;u/dfyf OG:of]/]G; sDkgL ln=df d]/f] :jfldTjsf] sf=lh= hf]/kf6L uf=lj=;= j8f g+= !-v_ ls=g+= $)# If]qkmn )–!%–) hUuf / ;f] hUufdf ag]sf] kSsL ltgtn] cfj;Lo ejg z}n'Ë]Zj/ lgdf{0f ;]jf k|f=ln=sf] nflu g]kfn a+unfb]z a}+sdf clUg aLdf u/fO{ ;'/If0f lbPsf] lyPF . ;'/If0f lb+bf ;f] ejgsf] aLdf ug{'kg{] k|fjwfg klg lwtf] ;Demf}tfdf pNn]v 5 . ljkIfL sDkgL / aLldtsf] aLrdf aLdfn]vdf pNn]v ePsf zt{ aGb]hsf cfwf/df clUg aLdf ug{ ;xdlt eO{ ;g\ @))).)&.)& b]lv ;g\ @))#.)&.)& ;Ddsf] cljl5Gg aLdf gjLs/0f eO{ ;Demf}tf adf]lhd s"n aLdfÍ /sd ?= @@,)),))).– sf] clUg tyf e"sDk clUg wSsf, x'nb+uf x8tfn, å]ifk"0f{ sfo{ tyf cft+sjfb hf]lvd aLdf jxg u/L lgodfg';f/ lk|ldod a'emfO{ aLdfn]v g+= $.)s.)*%! åf/f d]/f] cfjf;Lo ejgsf] aLdf ul/Psf] 5 . d}n] ljkIfL sDkgLnfO{ 36gf ePsf] nuQ} cyf{t\ @)%(.(.!( ut]sf lbg Ifltsf] ljj/0f ;lxt lg/LIf0f u/L Ifltk"lt{ kfpF egL aLdf lgodfjnL, @)$( sf] lgod #@-!_ adf]lhd lgj]bg lbPsf]df ;f] lgj]bg pk/ k'/} a]j:tf u/L pQm lgodsf] lgod #@-@_, -#_ / -$_ sf] sfo{jlw gckgfO{ 7f8f] ?kdf ÆtkfO{sf] aLdf gjLs/0f ldlt @)%(.#.@# -)&.)&.@))@_ df ;dfKt ePsf] / ;f]sf] gjLs/0f o; sDkgLaf6 ldlt @)%(.(.!& -)!.)!.@))#_ df ePsf]n] aLdf gjLs/0f / ;f] jfktsf] lk|ldod z'Ns e'Qmfg x'g' cufl8 b'\3{6gf ePsf] b]lv+bf bfjL ug{ gldNg] Joxf]/f cjut u/fOG5 . em'7f] Joxf]/f hgfO{ jf ;To ljj/0f n'sfO{ gv'nfO{ aLdf u/fPkl5 bfjL ug{' aLdfsf] l;4fGt ljkl/t x'g]5 . c;'ljwfsf] nflu v]b k|s6 ub{5f}+ Æ eGg] kq k|fKt eof] . o;/L ;fj{hlgs ?kdf hfgsf/L ePsf] pQm ljifodf d}n] ljkIfLnfO{ em'7f s'/f pNn]v ug{'kg{] s'g} sf/0f 5}g / d]/f] dg;fo ;d]t To:tf] gePsf] cj:yfdf aLdfn]v gjLs/0f u/]kl5 aLldtsf] clxt x'g] u/L s'g}klg tYoo'Qm, ts{ ;+ut cfwf/ / sf/0f lagf u|fxs k|lt v]b JoQm ub{} dnfO{ lbPsf] kq aLdfsf] l;4fGt, aLdf P]g, @)$( / aLdf lgodfjnL, @)$( ;d]tsf] k|lts"n x'Fbf ljkIfLaf6 bfloTj lgwf{/0f u/fO{ aLdf bfjL e'QmfgL u/fO{ kfpF eGg] lgj]bs 6'Ë/fh kf7s, sf=lh=hf]/kf6L uf=lj=;=j8f g+=! hf]/kf6Lsf] ldlt @)%(.!!.@( sf] lgj]bg .

pQm aLdf bfjL ;DaGwdf s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hfgsf/Lsf ;fy tt\;DaGwL ;Dk"0f{ sfuhft tyf ljj/0f ;d]t !% -kGw|_ lbg leq k]z ug{ aLdf lgodfjnL, @)$( sf] lgod ## sf] pklgod -!s_ sf] Joj:yf adf]lhd aLdsnfO{ ;ldltsf] ldlt @)%(÷!@÷!@ sf] kqaf6 lgb{]zg . g]kfn a+unfb]z a}+s ln= C0fL z}n'Ë]Zj/ lgdf0f{ ;]jf / o; aLdf sDkgL aLrdf clUg aLdf ug{ ;xdt eO{ ldlt )&.)&.@))! b]lv )&.)&.@))@ ;Ddsf] cjlw ;dfKt eP kZrft pQm aLdfn]v b'3{6gf ldlt;Dd gjLs/0f ePsf] sDkgLsf] /]s{8af6 b]lvPg . o:t} cj:yfdf aLldt z}n'Ë]Zj/ lgdf{0f ;]jfn] ldlt )!.)!.@))# df o; sDkgLdf cfO{ pQm aLdfn]v gjLs/0f ug{ cg'/f]w ubf{ sDkgLsf tkm{af6 lghnfO{ )!.)!.@))# b]lv gjLs/0f x'g] s'/f atfpFbf a}+sn] aLdfn]v ;dfKt eP b]lvg} gjLs/0f ug{'kg{] atfPsf]n] pQm ldltb]lv nfu" x'g] u/L gjLs/0f u/fO{ lbg' xf];\ egL cg'/f]w pQm lgdf{0f ;]jfn] u/]sf] x'Fbf gjLs/0f aLdfn]vdf Warranted Safe on Date Clause /flv aLdfn]v gjLs/0f u/L lbPsf] xf] . Warranted Safe on Date Clause sf] dtnj ;d]t a'emfO{ pQm ldlt k"j{ s'g} 36gf 36]sf] eP bfjL gnfUg] u/L gjLs/0f ul/Psf] xf] . Warranted Safe on Date Clause sf] dtna gjLs/0fnfO{ lg/Gt/tf lbPtfklg gjLs/0f hf/L u/]sf] / aLdfz'Ns e'QmfgL ePsf] ldlt k"j{ s'g} 36gf 36]sf] cj:yfdf aLdn]vdf h'g;'s} s'/f pNn]v u/]tf klg pQm 36gfdf aLdf sDkgLsf] s'g} bfloTj g/xg] eGg] :ki6 g} 5 . hxfF;Dd gjLs/0fsf] lg/Gt/tf /xg] k|Zg 5, o; sDkgLn] aLdfn]v gjLs/0f ubf{ Warranted Safe on Date Clause nufP/ dfq gjLs/0f ul/Psf] xf] / ;f]sf] dtna / kl/efiff ;d]t aLdsnfO{ a'emfOPsf] lyof] . aLldtn] cl3Nnf jif{x?df aLdf ubf{ cfuhgL / e"sDk wSsf hf]lvd dfq ;dfj]z u/L aLdf u/fPsf] t/ gjLs/0f u/fpFbf, gjLs/0f u/fpg' k"j{ ldlt @&.!@.@))@ df 36]sf] 36gf Iflt bfjL ug{] b"lift dg;fosf;fy hfn;fFem k"0f{ tl/sfaf6 em'7f aofg u/L xfgL–gf]S;fgL eO{;s] kZrft yk hf]lvd ;d]t ;dfj]z u/L ldlt )&.)&.@))@ b]lv nfu" x'g] u/L ldlt )!.)!.@))# df gjLs/0f u/fO{ ;f] jfkt a'emfpg' kg{] aLdfz'Ns ;d]t ;f]xL ldltdf g} a'emfO{ hfn;fhL k"0f{ tl/sfaf6 aLdf bfjL u/L Ifltk"lt{ lng] b'/fzo k"0f{ dg;fo /x]sf] b]lvG5 . t;y{ pQm bfjL pk/ sf/jfxL x'g g;Sg] cj:yf /x]sf] lgj]bsn] aLdfn]v gjLs/0f ug{ d+h'/ u/] kZrft Ifltk"lt{ ug{'kg{] egL aLdfn]vsf] k|yd cg'R5]bsf] Joj:yf egL bfjL u/]tf klg pQm bfjL k'Ug ;Sb}g, pQm aLdfn]vsf] zt{ g+= ! df ÆaLldtn] em'¶f ljj/0f lbO{ aLdf u/fpFbf k'u]sf] xfgL–gf]S;fgLdf aLdf sDkgLsf] bfloTj g/xg] k|fjwfg /x]af6 ;d]t pQm bfjL k'Ug ;Sb}g . ;fy} aLdf P]gdf ePsf] Joj:yf cg'?k klg aLdfz'Ns (premium Receipt) sDkgLdf bflvn geP;Dd aLdsdf bfloTj g/xg] s'/f pNn]v 5 . pQm 36gfdf aLdf gjLs/0f ug{' k"j{ 36gf 3l6 ;s]sf] / aLdf gjLs/0f z'Ns klg sDkgLdf 36gf 36] kZrft dfq k|fKt ePsf] x'Fbf pQm b'/f;oo'Qm hfn;fhL k"0f{ tj/n] aLdf gjLs/0f u/fOPsf]n] bfjL k'Ug g;Sg] s'/f hfgsf/L u/fOG5 . t;y{ lgj]bsn] To; ;ldltdf lbg' ePsf] lgj]bg hfn;fhL k"0f{ Pj+ em'7f ljj/0fo'Qm ePsf] Joxf]/f cg'/f]w ub{} To;;+u ;+nUg sDkgLdf ePsf ;Dk"0f{ sfhkqx?sf] k|ltlnlk Ps Ps k|lt o;} ;fy /flv !%-kGw|_ lbg leq} hfgsf/L u/fOPsf] eGg] Joxf]/fsf]] aLdssf] lnlvt hjfkm . ;ldltsf] ldlt @)%(.!@.!@ sf] kqaf6 dfu ul/Psf] s'g}klg sfuhft ;+nUg eO{ cfPsf] kfOPg . o;y{ dfu ul/Psf sfuhftx?sf] k|dfl0ft k|ltlnlkx? & -;ft_ lbg leq k]z ug{ aLdsnfO{ ;ldltsf] lgb{]zg . ToxfFaf6 dfu ul/Psf] sfuhftsf] k|ltlnlk yfg ( -kfgf !!_ k|dfl0ft u/]/ k]z ul/Psf] eGg] aLdssf] ldlt @)^).@.@ sf] kq . aLdf bfjL k'Ug g;Sg] eGg] aLdssf] egfO{nfO{ cGoyf eGg ldNg] b]lvPg . o;y{, lgj]bssf] lgj]bg aLdf P]g, @)$( sf] bkmf * -3!_, bkmf !& sf] pkbkmf -$_ adf]lhd ph'/L lgj]bg vf/]h x'g] 7x5{ . eGg] ;d]t Joxf]/fsf] aLdf ;ldltaf6 ePsf] ldlt @)^).$.@^ sf] lg0f{o . oyfy{df pQm aLdfsf] k|of]hg ;'/If0f lng] g]kfn a+unfb]z a}+sn] ;'/If0f cjlwe/ cfkm\gf nflu u/fPsf] tYo ldlt @$ hgj/L @))# sf] kqaf6 ;j{yf k|dfl0ft 5 . o; k|sf/ lgh C0fLn] a}+ssf nflu u/fPsf] aLdf

gjLs/0f ;Dk'li6df pNn]v ePsf] c+u|]hL efiffsf] Joxf]/f d]/f] hfgsf/L a]u/ ePsf] x'Fbf ;d]t d]/f lj?4 k|df0fdf Nofpg] gldNg] k|i6 5 To;df klg ljkIfL sDkgLsf] aLdfn]vsf] zt{ g+= !* df olb o; aLdfn]v cGtu{t s'g} xfgL–gf]S;fgLsf] /sdsf] ;DaGwdf dte]b p7]df aLdf P]g, @)$( jf dWo:ytf P]g, @)#* adf]lhd x'g]5 eGg] pNn]v ePsf] ;Gbe{df k|:t't s]z aLdf P]g, @)$( adf]lhd x]l/g] s'/fdf ljjfb 5}g . ljkIfL sDkgLsf] ;kmfO{ lsdfy{ klg d'gfl;km gePsf] cj:yfdf k'g/fj]bsnfO{ Ifltk"lt{ lbg] lg0f{o gu/L ePsf] lg0f{o cfTdlgi7 /x]sf] x'Fbf z'?sf] lg0f{o ab/ u/L ph'/L bfjL adf]lhd Ifltk"lt{ lbnfO{ ;'ky OG;fkm u/L kfpF eGg] ;d]t Joxf]/fsf]] k'g/fj]bg kq .

o; cbfntsf] 7x/ lgod adf]lhd b}lgs d'2f k]zL ;"rLdf r9L Ohnfz ;dIf k]z x'g cfPsf] k|:t't d'2fdf aLdf ;ldltaf6 dnfO{ x/fO{ ul/Psf] lg0f{o ;jf{]Rr cbfntaf6 k|ltkflbt l;4fGt ;d]tsf cfwf/df jbf/efuL x'gfsf ;fy} Warranted Safe on Date eGg] Joxf]/f ylkPsf]df ;f] s'/f c=j+= &* g+= cg';f/ lg0f{o ug{'kg{]df ;f] ;d]t gu/L ul/Psf] aLdf ;ldltsf] lg0f{o q'l6k"0f{ x'Fbf ab/ x'g'kb{5 eGg] ;d]t Joxf]/fsf] k'g/fj]bg lhls/ /x]sf] . k'g/fj]bstkm{af6 pkl:yt ljåfg clwjQmf >L lji0f' k|;fb Gof}kfg]n] ug{'ePsf] jx; lhls/ ;'lgof] . k'g/fj]bs ;lxtsf ldl;n sfuhft cWoog u/L k'g/fj]bg lhls/ d'gfl;j a]d'gfl;j s} /x]5 / aLdf ;ldltsf] lg0f{o ldn] gldn]sf] s] /x]5 k|:t't d'2fdf ;f]xL ljifodf lg0f{o lbg'kg{] b]lvof] . o;df k'g/fj]bsn] k|ToyL{ >L ;udfyf OG:of]/]G; sDkgL ln= ;+u hf]/kf6L uf=lj=;= j8f g+= ! sf] ls=g+= $)# sf] If]qkmn )–!%–) hUuf / ;f] hUufdf ag]sf] kSsL ltgtn] 3/sf] z}n'Ë]Zj/ lgdf{0f ;]jf k|f=ln=sf] nflu g]kfn a+unfb]z a}+sdf clUg aLdf u/fO{ ;'/If0f lbPsf] s'/fdf ljjfb b]lvPg . k'g/fj]bsn] 3/hUufsf] aLdf @))!.&.& df u/L Ps jif{ cyf{t @))@.&.& ;Ddsf] aLdf u/fPsf] b]lvG5 . k'g/fj]bsn] aLdf u/fPsf] 3/df k'g/fj]bsn] pNn]v u/] cg';f/ @)%(.(.!@ df lj:kmf]6g ePsf] eGg] b]]vg cfpF5 . k'g/fj]bssf] pQm aLdfsf] gjLs/0f @))#.)!.)! df u/]sf] / ;f] gjLs/0fdf eGg] pNn]v ePsf] ;d]t b]lvG5 . aLdf sDkgLn] aLdfsf] sfuhft k'g/fj]bsnfO{ tTsfn} pknAw u/fpg] / ;f] sfuhdf s'g} c:ki6tf eP k'g/fj]bsn] Tolta]n} k|Zg u/L ;f] ;DaGwdf hfgsf/L lng'kg{] k'g/fj]bssf] bfloTj ePsfn] c=j+= &* g+= cg';f/ ;f] ;DaGwdf ;'gfpg' kg{] eGg] k'g/fj]bg lhls/;+u ;xdt x'g ;lsPg . aLdf ul/Psf] cjlw @))@.^.^ kZrft @)%(.)(.!@ cyf{t @))@.!@.@^ df k'g/fj]bssf] 3/df ljikmf]6g ePsf] / ;f] ;do;Dd lk|ldodsf] a'emfO{ gjLs/0f geO{ )!.)!.@))# df dfq eGg] pNn]v eO{ aLdf gjLs/0f ePsf]af6 ;f] gjLs/0f ul/Psf] ldltb]lv dfq aLdfsf] s'/f ;'/lIft /xg] eGg] jf gjLs/0f ePsf] ldlt;Dd 5 . Iflt gePsf] cj:yf dfq k'g/fj]bsn] Ifltk"lt{ aLdf /sd k|fKt ug{ ;Sg] eGg] k|i6 x'g cfpg] ePaf6 aLdf ;ldltn] lgj]bssf] lgj]bg vf/]h ug{] u/L u/]sf] ldlt )^).$.@^ sf] lg0f{o ldn]s} b]lv+bf d'gfl;j 7x5{ k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;Sb}g . k|:t't d'2fsf] bfo/Lsf] nut s§f u/L ldl;n lgodfg';f/ u/L a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -1fg]Gb| axfb'/ sfsL{_ -cfTd/fd e§/fO{ _ Gofolwz Gofolwz Olt ;Dat\ @)^! ;fn d+l;/ !* ut] /f]h ^ z'ed\========


dfggLo Gofoflwz >L nId0f dl0f l/;fn dfggLo Gofoflwz >L s]z/dfg klt

af6 ePsf] km};nf ;Djt\ @)^) ;fnsf] b]=k'=g+===========================================================(@*.!*%) /fdzfxky sf7df08f}+ l:yt /fli6«o aLdf ;+:yfgsf] clVtof/ k|fKt k|zf;s k'g/fj]bs ;'/]Gb|dfg k|wfg ==========================================================================! k|ltjfbL

lj?4 s}nfnL lhNnf x;'nLof uf=lj=;= l:yt xl/z+s/ uNnf e08f/sf k|f]k|fO6/ kTofyL{ xl/ z+s/ 7fs'/ ======================================================================= ! jfbL d'2f M– clUg aLdf bfjL af/] . Gofo k|zf;g P]g, @)$* sf] bkmf *-!_ tyf aLdf P]g sf] bkmf #& adf]lhd o;}}cbfntsf] If]qfclwsf/ leqsf] eO{ bfo/ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt tYo Pj+ 7x/ o; k|sf/ 5 . ldlt @)%(. !.^ ut] /ftL cGbfhL & ah] lt/ cft+ssf/Lx? cfO{ o; x;'lnof l:yt xfd|f] uf]bfdsf] tfnf tf]8L wfg el/Psf] ;a} af]/fx? lnP/ uPsf] hfgsf/L u/fpFb5' egL xl/ z+s/ uNnf e08f/sf dflns xl/z+s/ 7fs'/n] zfvf k|aGws /fli6«o aLdf ;+:yfg wgu9LnfO{ n]v]sf] ldlt @)%(.!.& sf] kq . ldlt @)%(.!.^ ut] ;fFem &–* sf] aLrdf xltof/wf/L xHhf/f}+sf] ;+Vofdf cfPsf cft+ssf/L hTyfn] d]/f] uf]bfd ;d]t sAhf u/L #%*) af]/f wfg df]6f] af]/f ha/h:tL nu]sf] x'Fbf bf]liftaf6 lhG;L wgdfn lkmtf{ u/fO{ pQm b'3{6gf ePsf] Joxf]/f k|dfl0ft u/fO{ lbg' x'g cg'/f]w eGg] ;d]t Joxf]/fsf] xl/z+s/ uNnf e08f/sf k|f]= z+s/ 7fs'/n] lhNnf k|zf;g / lhNnf k|x/L sfof{no wgu9Ldf k]z u/]sf] ldlt @)%(.!.* sf] 5'§f5'§} lgj]bg kq . xl/ z+s/ uNnf e08f/ / ;xsf/L ;+:yfsf] uf]bfd 3/df /x]sf] #%*) af]/f df]6f] wfg d"No ?= !*,*),))).– a/fa/sf] uNnf )%(.!.^ ut] ;fFem *–( ah]lt/ dfcf]jfbLn] cfqmd0f u/L lnP/ uPsf] Joxf]/f k|dfl0ft ul/G5 eGg] x;'lnof uf=lj=;= sfof{no s}nfnLn] b'3{6gf k|dfl0ft u/L lbPsf] kq . )%(.!.^ ut] /ftL &–* ah] cft+ssf/L ;d"xn] ha/h:tL uf]bfddf k|j]z u/L xl/ z+s/ 7fs'/sf] :jfldTjdf /x]sf] ;femf ;xsf/L uf]bfdaf6 hfx]/Ldf pNn]lvt wfg df]6f #%*).– af]/f n'6L nu]sf] Joxf]/f k|dfl0ft ul/G5 eGg] lhNnf k|x/L sfof{no s}nfnL wgu9Lsf] ldlt @)%(.!.@! sf] kq . /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 ldlt l8;]Da/ ^, @))! b]lv nfu" x'g] u/L aLdfn]v g+= ;L=Pkm= @$@%.))!!@)^ cGtu{t ;femf ;xsf/L ;+:yfsf] uf]bfddf /x]sf] !*)) af]/f wfg tyf ^)) af]/f uxF'sf] hDdf aLdf+s ?= !$,@&,*%).– / aLdfn]v g+=;L=Pkm @$@^.))!!@)^ cGtu{t >L h6]Zj/ 7fs'/sf] ufbfddf /x]sf] ^)) af]/f wfgsf] hDdf aLdf+s ?= @,*%,&%).– aLdf u/fpFb} cfPsf] / l8;]Da/ @), @))! df ;femf ;xsf/L ;+:yfsf] uf]bfddf /flvPsf] !!*).– af]/f wfgnfO{ ;Dk'i6L g+= wg @$$& cGtu{t aLdf u/fO{ /fv]sf] lyP . ctM Pj+ /Iffj/0f u/fOPsf] hf]lvd cft+sjfb ;d]t /x]sf] Pj+ Ifltsf] glhssf] sf/0f klg /Iffj/0f ul/Psf] hf]lvd g} ePsf] x'Fbf ;f] hDdf ?= #%*) af]/f wfgdf k'Ug uPsf] Iflt jfktsf] jf:tljs Ifltk"lt{ :j?k bfjL

ul/Psf] /sd ?= !&,!#,^)).– tyf ;f] bfjL k/]sf] ldltn] bfjL e'QmfgL x'Fbf;Dddf ;f] /sddf P]g cg'?ksf] Aofh ;d]t yk u/L ;Dk"0f{ /sd oyflz3| ljkIfL /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 lbnfO{ e/fO{ kfpF eGg] xl/z+s/ uNnf e08f/sf] k|f]k|fO6/ xl/ z+s/ 7fs'/n] aLdf ;ldlt sf7df08f}+df r9fPsf] lgj]bg . Ifltk"lt{ :j?k bfjL ul/Psf] /sd ?= !&,!#,^)).– tyf ;f] bfjL e'QmfgL x'Fbf;Dddf ;f] /sddf P]g cg'?ksf] Aofh ;d]t yk u/L ;Dk"0f{ /sd oyflz3| ljkIfL wgu9L zfvfaf6 lbnfO{ e/fO kfpF egL n]lv cfPsf]n] ;f] aLdf bfjL Ifltk"lt{ ;DaGwL s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tT;DaGwL aLdfn]v tyf ;e{] k|ltj]bg nufotsf eP u/]sf ;Dk"0f{ sfuh tyf ljj/0f ;d]t of] kq k|fKt ePsf] ldltn] !% lbg leq o; ;ldltdf k]z ug{' x'g ;"lrt ul/G5 eGg] ;d]t aLdf ;ldltn] /fli6«o aLdf ;+:yfg /fdzfxky sf7df08f}+nfO{ n]v]sf] r=g+= &!#–&!$ ldlt @)%(.^.!^ sf] kq . ldlt )%(.!.^ df cft+ssf/Lx?n] uf]bfdsf] tfnf tf]8L n'6L nu]sf] egL bfjL kg{ cfPsf]df ;+:yfgn] clUg aLdfn]v hf/L u/]sf] x'Fbf clUg aLdfn]vsf] bfo/f cGtu{t rf]/L, n'6df/ kg{ gcfpg] xF'bf aLdfn]vsf] bfo/fdf gkg{] Joxf]/f ;d]t aLldtnfO{ cjut u/fpFb5f}+ eGg] ;d]t Joxf]/sf] /fli6«o aLdf ;+:yfgn] aLdf ;ldlt rfalxnnfO{ n]v]sf] ldlt @)%(.(.# sf] kq . xfdL Jofkf/L ju{af6 cfkm\gf] ;DklQ ;'/Iffsf nflu aLdfug{'kg{] x'Fbf aLdf klg u/fPsf] x'F . aLdf P]g lgod cg';f/ Ifltk"lt{ bfjL u/]sf]df cfh;Dd klg s'g} ;'g'jfO{ ePsf] 5}g . bfjL cg';f/sf] /sd e'QmfgL kfpg lgj]bg k]z u/]sf] 5' eGg] ;d]t Joxf]/fsf] xl/ z+s/ 7fs'/n] /fli6«o aLdf ;+:yfgdf r9fPsf] ldlt @)$(.#.@) sf] lgj]bg . xfd|f] sfof{nosf] ldlt @)%(.!.!& r=g+= !%!.)%*.)%( sf] kqaf6 s'g} klg k|sf/sf] n'6L nu]sf] wg ;DklQ clUg aLdfsf] aLdfn]v cGtu{tsf] bfo/f leq gkg{] egL hfgsf/L u/fpFb5f}+ eGg] /fli6«o aLdf ;+:yfgn] xl/ z+s/ uNnf x;'lnof s}nfnLnfO{ n]v]sf] ldlt @)%(.#.!) sf] kq . xl/ z+s/ uNnf e08f/sf] bfjL ;DaGwdf dfu adf]lhd cfjZos se/gf]6 skL l;=Pkm= @$@% / @$@^ sf] sfuhftx? k7fPsf] eGg] ;d]t /fli6«o aLdf ;+:yfgn] aLdf ;ldltnfO{ n]v]sf] r=g+= !)# ldlt @)%(.!!.@@ sf] kq . aLdfn]vn] /Iffj/0f u/]sf] Iflt jfkt lgj]bsn] dfu u/]sf] ?= !&,!#,^)).– af6 aLdfn]vsf] zt{ ;'ljwf adf]lhd clgjfo{ clws jfktsf] /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ bfjL e'QmfgL ug{' egL aLds /fli6«o aLdf ;+:yfgnfO{ aLdf P]g, @)$( sf] bkmf *-3!_ bkmf !& -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ##-@_ adf]lhd cfb]z lbg] 7x5{ eGg] ;d]t Joxf]/fsf] aLdf ;ldltn] ldlt @)^).@.#) df u/]sf] lg0f{o . aLldtn] #%*) af]/f wfg n'6L nu]sf] / pQm wfgsf d"No ?= !&,!#,^)).– x'g] egL bfjL ug{'ePsf]df ck/fwL lu/f]xn] rgfvf] ;'/IffsdL{x?sf] ;+/If0fdf /x]sf] If]qleq Toqf] kl/0fdsf] wfg rf]/L n'6L nu] egL ljZjf; ug{ ;lsg] cfwf/ k|df0f b]lvb}g . aLdfn]v gLltdf :ynut / ef}lts lg/LIf0f (Physical Verification)

u/]/ dfq k'li6 ul/G5 . o; k|sf/sf] s'g} sfd ePsf] 5}g / n'6L nu]sf] bfjL k|df0fx? klg 5}g . ljkIfLn] wfgx? cfkm}+n] lalqm u/L em'¶f ph'/L ug{'ePsf] xf] . cfunfuL ePsf] cj:yfdf s;}n] cfuf] lgefpg] sfo{ ubf{ s'g} jfxgfn] rf]/L u/]df klg To:tf] xfgL–gf]S;fgL ;dfj]z ug{] 5}g egL k|i6 n]lvPsf] 5 . clUg aLdfn]vsf] bfo/f cGtu{t rf]/L n'6df/ kg{ gcfpg] x'Fbf aLdf ;ldltsf] ldlt @)^).@.#) sf] bfjL adf]lhd e/fpg] lg0f{o

aLdfn]v ljkl/t u}/sfg"gL x'Fbf pN6L u/L OG;fkm kfpF eGg] ;d]t /fli6«o aLdf ;+:yfg /fd zfxkysf] tkm{af6 k/]sf] k'g/fj]bg kq . jfbLsf gfpFdf clUg aLdfn]v hf/L ePsf] cj:yfdf bfjLsf] jf/bft kg{ cfpg] gcfpg] / jf/bft oyfy{df eP gePsf] Plsg e} /x]sf] gb]lvPsf]df To;tkm{ ljrf/ gu/L bfjL e'QmfgL ug{] u/L ePsf] aLdf ;ldltsf] lg0f{o km/s kg{ ;Sg] b]lv+bf k|ToyL{nfO{ 5nkmnsf] lgldQ c=j+= @)@ g+= adf]lhd lemsfO{ k]z ug{' eGg] o; cbfntsf] ldlt @)^!.!.$ sf] cfb]z . o;df aLldt j:t'sf] xfgL–gf]S;fgL eof] Ifltk"lt{ kfpF egL k|ToyL{ xl/ z+s/ 7fs'/n] bfjL u/]sf] s'/fnfO{ k'g/fj]bs ;+:yfgn] cfkm"af6 cfkm\gf] tkm{af6 ;f] s]/fsf] tTsfn 5fgljg jf ;e{] ePsf] lyof] lyPg ;f] s'/f st}af6 k|i6 gePsf]n] ;f] s'/f k'g/fj]bs /fli6«o aLdf ;+:yfgnfO{ v'nfpg nufO{ lgodfg';f/ k]z ug{' eGg] o; cbfntsf] ldlt @)^!.!).!@ sf] cfb]z . ljkIfLsf] bfjL clUg aLdfsf] gLlt leq gkg{] ePsf] x'Fbf xfdLn] ;e{]o/ k7fpg' kg{] s'g} sf/0f gePsf] ;e{]o/ k7fPgf}+ / ljkIfLsf] ph'/L bfjLnfO{ xfdLn] :jLsf/ g} u/]gf}+ eGg] ;d]t Joxf]/fsf] /fli6«o aLdf ;+:yfgsf] hjfkm .

7x/ lgod adf]lhd cfhsf] b}lgs d'2f k]zL ;"rLdf r9L k]z x'g cfPsf] k|:t't d'2fsf] k'g/fj]bg kq ;lxtsf] ldl;n cWoog u/L k'g/fj]bs tkm{af6 pkl:yt ljåfg\ clwjQmf >L ljZjsfGt d}gfnL / cfof{ >]i7n] /fli6«o aLdf ;+:yfgaf6 hf/L clUg aLdfn]vsf] bfo/f leq rf]/L n'6df/ kg{ gcfpg] x'Fbf bfjL adf]lhdsf] aLdf /sd ltg{ kg{] xf]Og aLdf ;ldltaf6 aLdf /sd ltg{ kg{] u/L ePsf] lg0f{o q'6Lk"0f{ x'Fbf jb/ u/L kfpF egL ug{'ePsf] jx; ;d]t ;'gL ldlt @)^).@.#) df aLdf ;ldltn] u/]sf] lg0f{o ldn]sf] 5 5}g lg0f{o lbg' k/]sf] 5 . lg0f{otkm{ ljrf/ ubf{ clUg aLdfn]vsf] bfo/f cGtu{t rf]/L n'6df/ kg{ gcfpg] x'Fbf bfjL adf]lhd aLdf /sd e/fpg] lg0f{o u}/sfg"gL x'Fbf pN6L u/L kfpF eGg] g} /fli6«o aLdf ;+:yfgsf] d'Vo k'g/fj]bg lhls/ /x]sf] b]lvof] k|:t't d'2fdf /fli6«o aLdf ;+:yfgaf6 To;/L hf/L ePsf] elgPsf] clUg aLdfn]vn] k|ToyL{ xl/ z+s/ 7fs'/af6 dfu ul/Psf] k|:t't aLdf bfjLsf] /sdnfO{ ;d]6\g] 5}g cyf{t (Cover) u/]sf] 5}g egL xfn cfP/

lhls/ lnPsf] ePtf klg ;f]xL /fli6«o aLdf ;+:yfgaf6} zt{ aGb]hsf] clwgdf /xL hf]lvd se/ ul/Psf] egL l;=Pkm=@$@^ ldlt ^.!@.@))! af6 aLdf+s ?= @,*%,&%).– / l;=Pkm=@$@% ldlt ^.!@.@))! / @).!@.@))! af6 !$,@&*%).– u/L hDdf #%*).– wfgsf] ladf+s /sd ?= !&,!#,^)).– nfO{ ;d]l6Psf] 5 . h;df clUg, x'nb+uf / å]ifk"0f{ sfo{ cft+sjfbaf6 aLldtsf] Iflt ePdf ;d]t se/gf]6 cGtu{t yk ;'/If0f k|bfg ul/Psf] 5 . egL :ki6 ?kdf aLldtnfO{ cfZj:t kfl/Psf] 5 . hxfF;Dd aLdf ;+:yfgaf6 hf/L ul/Psf] elgPsf] clUg ;]+wdf/L nufotsf] aLdfn]vx?sf] zt{ l;df / ckjfbsf zLif{sx? cGtu{t Iflt ePsf] aLdf dfu bfjL gkg{] eGg] k|Zg 5 To; tkm{ x]bf{ pQm aLdfn]vx? sxLn] s'g :t/sf] lg0f{oaf6 s] s;/L hf/L ePsf x'g\ eGg] k|i6 5}g . /fli6«o aLdf ;+:yfgn] ldlt @)^!.!).@* df o; cbfntdf k]z u/]sf] lgj]bgsf] k|s/0f -v_ df ljkIfLn] clUg aLdfn]v dfq ug{'ePsf] 5 . ;]+wdf/L tyf gSjhgL aLdfn]v ug{'ePsf] 5}g elgPsf] 5 . se/gf]6df k|:t't cft+sjfbaf6 ePsf] Iflt ;d]t Joxf]l/g] 5 . egL k|i6 af]nL/x]sf] cj:yfdf gSjhgL ;]3df/L h:tf k|;+u uf}0f x'g hfG5 ;fy} se/gf]6df To;/L cft+sjfbaf6 ePsf] ;d]t Joxf]l/g] 5 elg;s]kl5 pQm ldlt @)^!.!).@* sf] lgj]bgdf Æcft+sjfb jfkt lnPsf] yk lk|ldod x/]s aLdfdf cltl/Qm z'Ns jfkt lng] g} ePsf] x'Fbf pQm cft+sjfbsf] lk|ldod clUg aLdfn]v leqdf dfq sfof{Gjog x'G5 . cft+sjfbsf] x'Fb} aLdfn]v

hf/L ul/Psf] xf]OgÆ eg]af6 aLdf ;+:yfg :jo+sf] egfO{ / u/fO{ tyf gLlt c:ki6 / k/:k/ låljwfo'Qm /x]sf] b]lvG5 . To;/L cfkm}+n] /Iffj/0f cyf{t\ -se/_ ul/Psf] 5 egL k|i6 :jLsf/ ul/;s]sf] l:yltdf xfn cfP/ hf/L aLdfn]vdf clUg aLdfsf] kb{}g egL OGsf/ ug{', k|df0f P]g, @)#! sf] bkmf #$ sf] ;d]t k|lts"n x'g uPsf] b]lvG5 . /fli6«o aLdf ;+:yfgsf] tkm{af6 k/]sf] k'g/fj]bg kqsf] k|s/0f -3_ sf] t];|f] x/kmdf aLdfn]v gLltdf :ynut / ef}lts lg/LIf0f (Physical Verification) u/]/ dfq k'li6 ul/G5 . To; k|sf/sf] s'g} sfd ePsf] 5}g egL lhls/ lnPsf] ePtf klg oL k|ToyL{ xl/ z+s/ 7fs'/n] ldlt @)%(.!.^ sf] 36gf ljj/0f pNn]v u/L ;f]sf] ef]nLkN6 cyf{t\ P]=@)%(.!.& ut] g} zfvf k|aGws /fli6«o aLdf ;+:yfg wgu9LnfO{ / P]= * ut] lhNnf k|zf;g / lhNnf k|x/L sfof{non] ;d]t bfjL adf]lhdsf] ldlt )%(.!.^ sf] jf/bftsf] k'li6 u/]sf] ldl;n ;+nUg kqaf6 k'li6 eO/x]sf] b]lvPaf6 pQm k'g/fj]bg lhls/ :jtM v08g e} /x]sf] l:ylt x'Fbf, ldlt @)%(.!.^ sf] jf/bft ePsf] / z'? lgj]bg bfjL adf]lhd Iflt ePsf]df ljjfb b]lvPg . ctM o;df z'? aLdf ;ldltn] lgj]bsn] dfu u/]sf] ?= !&,!#,^)).– af6 aLdfn]vsf] zt{ ;'ljwf adf]lhd clgjfo{ clws jfktsf] /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ bfjL e''QmfgL ug{' egL ldlt @)^).@.#) df u/]sf] lg0f{odf kl/ljt{g ug{'kg{] cj:yf ljBdfg gx'Fbf ;b/ x'g] 7x5{ . k'g/fj]bssf] k'g/fj]bg lhls/ k'Ug ;Qm}g . ldl;n lgodfg';f/ u/L a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -nId0f dl0f l/;fn_ -s]z/dfg klt_ Gofolwz Gofolwz Olt ;Djt\ @)^@ ;fn h]i7 !& ut] /f]h # z'ed\=========

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;Djt\ @)^@ ;fnsf] b]=k'=g+===========================================================*^^( /fdzfxky sf7df08f}+ l:yt /fli6«o aLdf ;+:yfgsf] clVtof/ k|fKt d'/f/L k'g/fj]bs /]UdL============= ==========================================================================! k|ltjfbL

lj?4 s}nfnL lhNnf x;'nLof uf=lj=;= l:yt xl/z+s/ uNnf e08f/sf k|TofyL{ k|f]k|fO6/ xl/ z+s/ 7fs'/ ========================================================= ! jfbL d'2f M– clUg aLdf bfjL af/] .

z'?af6 lg0f{o ug{]M– aLdf ;ldltsf cWoIf ;d]t k'=a]=c=af6 lg0f{o ug{]M– df=Gof=>L nId0f dl0f l/;fn

df=Gof= >L s]z/dfg klt Gofo k|zf;g P]g, @)$* sf] bkmf !@ cg';f/ kg{ cfPsf] lgj]bgdf lg:;f k|bfg e} k'g/fj]bgdf btf{ x'g cfPsf] k|:t't d'2fsf] ;+lIfKt tYo Pj+ 7x/ o; k|sf/ 5M– ldlt @)%(.!.^ ut] ;fFem &–* sf] aLrdf xltof/wf/L xHhf/f}+sf] ;+Vofdf cfPsf cft+ssf/L hTyfn] d]/f] uf]bfd ;d]t sAhf u/L #%*) af]/f wfg df]6f] af]/f ha/h:tL nu]sf] x'Fbf bf]lifaf6 lhG;L wgdfn lkmtf{ u/fO{ pQm b'3{6gf ePsf] Joxf]/f k|dfl0ft u/fO{ lbg' x'g cg'/f]w eGg] ;d]t Joxf]/fsf] xl/z+s/ uNnf e08f/sf k|f]= z+s/ 7fs'/n] lhNnf k|zf;g / lhNnf k|x/L sfof{no wgu9Ldf k]z u/]sf] ldlt @)%(.!.* sf] 5'§f5'§} lgj]bg kq . xl/ z+s/ uNnf e08f/ / ;xsf/L ;+:yfsf] uf]bfd 3/df /x]sf] #%*) af]/f df]6f] wfg d"No ?= !*,*),))).– a/fa/sf] uNnf )%(.!.^ ut] ;fFem *–( ah]lt/ dfcf]jfbLn] cfqmd0f u/L lnP/ uPsf] Joxf]/f k|dfl0ft ul/G5 eGg] x;'lnof uf=lj=;= sfof{no s}nfnLn] b'3{6gf k|dfl0ft u/L lbPsf] kq . @)%(.!.^ ut] /ftL &–* ah] cft+ssf/L ;d"xn] ha/h:tL uf]bfddf k|j]z u/L xl/ z+s/ 7fs'/sf] :jfldTjdf /x]sf] ;femf ;xsf/L uf]bfdaf6 hfx]/Ldf pNn]lvt wfg df]6f #%*).– af]/f n'6L nu]sf] Joxf]/f k|dfl0ft ul/G5 eGg] lhNnf k|x/L sfof{no s}nfnL wgu9Lsf] ldlt @)%(.!.@! sf] kq . /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 ldlt l8;]Da/ ^, @))! b]lv nfu" x'g] u/L aLdfn]v g+= ;L=Pkm= @$@%.))!!@)^ cGtu{t ;femf ;xsf/L ;+:yfsf] uf]bfddf /x]sf] !*)) af]/f wfg tyf ^)) af]/f uxF'sf] hDdf aLdf+s ?= !$,@&,*%).– / aLdfn]v g+=;L=Pkm @$@^.))!!@)^ cGtu{t >L h6]Zj/ 7fs'/sf] uf]bfddf /x]sf] ^)) af]/f wfgsf] hDdf aLdf+s ?= @,*%,&%).– aLdf u/fpFb} cfPsf] / l8;]Da/ @), @))! df ;femf ;xsf/L ;+:yfsf] uf]bfddf /flvPsf] !!*).– af]/f wfgnfO{ ;Dk'i6L g+= wg @$$& cGtu{t aLdf u/fO{ /fv]sf] lyP . ctM Pj+ /Iffj/0f u/fOPsf] hf]lvd cft+sjfb ;d]t /x]sf] Pj+ Ifltsf] glhssf] sf/0f klg /Iffj/0f ul/Psf] hf]lvd g} ePsf] x'Fbf ;f] hDdf ?= #%*) af]/f wfgdf k'Ug uPsf] Iflt jfktsf] jf:tljs Ifltk"lt{ :j?k bfjL ul/Psf] /sd ?= !&,!#,^)).– tyf ;f] bfjL k/]sf] ldltn] bfjL e'QmfgL x'Fbf;Dddf ;f] /sddf P]g cg'?ksf]

Aofh ;d]t yk u/L ;Dk"0f{ /sd oyflz3| ljkIfL /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 lbnfO{ e/fO{ kfpF eGg] xl/z+s/ uNnf e08f/sf] k|f]k|fO6/ xl/ z+s/ 7fs'/n] aLdf ;ldlt sf7df08f}df+ r9fPsf] lgj]bg . Ifltk"lt{ :j?k bfjL ul/Psf] /sd ?= !&,!#,^)).– tyf ;f] bfjL e'QmfgL x'Fbf;Dddf ;f] /sddf P]g cg'?ksf] Aofh ;d]t yk u/L ;Dk"0f{ /sd oyflz3| ljkIfL wgu9L zfvfaf6 lbnfO{ e/fO{ kfpF egL n]lv cfPsf]n] ;f] aLdf bfjL Ifltk"lt{ ;DaGwL s] s;f] eP u/]sf] xf] ;f]sf] lnlvt hjfkmsf ;fy tT;DaGwL aLdfn]v tyf ;e{] k|ltj]bg nufotsf eP u/]sf ;Dk"0f{ sfuh tyf ljj/0f ;d]t of] kq k|fKt ePsf] ldltn] !% lbg leq o; ;ldltdf k]z ug{' x'g ;"lrt ul/G5 eGg] ;d]t aLdf ;ldltn] /fli6«o aLdf ;+:yfg /fdzfxky sf7df08f}+nfO{ n]v]sf] r=g+= &!#–&!$ ldlt @)%(.^.!^ sf] kq . ldlt )%(.!.^ df cft+ssf/Lx?n] uf]bfdsf] tfnf tf]8L n'6L nu]sf] egL bfjL kg{ cfPsf]df ;+:yfgn] clUg aLdfn]v hf/L u/]sf] x'Fbf clUg aLdfn]vsf] bfo/f cGtu{t rf]/L, n'6df/ kg{ gcfpg] xF'bf aLdfn]vsf] bfo/fdf gkg{] Joxf]/f ;d]t aLldtnfO{ cjut u/fpFb5f}+ eGg] ;d]t Joxf]/sf] /fli6«o aLdf ;+:yfgn] aLdf ;ldlt rfalxnnfO{ n]v]sf] ldlt @)%(.(.$ sf] kq . xfdL Jofkf/L ju{af6 cfkm\gf] ;DklQ ;'/Iffsf nflu aLdf ug{'kg{] x'Fbf aLdf klg u/fPsf] x'F . aLdf P]g lgod cg';f/ Ifltk"lt{ bfjL u/]sf]df cfh;Dd klg s'g} ;'g'jfO{ ePsf] 5}g . bfjL cg';f/sf] /sd e'QmfgL kfpg lgj]bg k]z u/]sf] 5' eGg] ;d]t Joxf]/fsf] xl/ z+s/ 7fs'/n] /fli6«o aLdf ;+:yfgdf r9fPsf] ldlt @)$(.#.@) sf] lgj]bg . xfd|f] sfof{nosf] ldlt @)%(.!.!& r=g+= !%!.)%*.)%( sf] kqaf6 s'g} klg k|sf/sf] n'6L nu]sf] wg ;DklQ clUg aLdfsf] aLdfn]v cGtu{tsf] bfo/f leq gkg{] egL hfgsf/L u/fpFb5f}+ eGg] /fli6«o aLdf ;+:yfgn] xl/ z+s/ uNnf x;'lnof s}nfnLnfO{ n]v]sf] ldlt @)%(.#.!) sf] kq . xl/ z+s/ uNnf e08f/sf] bfjL ;DaGwdf dfu adf]lhd cfjZos se/gf]6 skL l;=Pkm= @$@% / @$@^ sf] sfuhftx? k7fPsf] eGg] ;d]t /fli6«o aLdf ;+:yfgn] aLdf ;ldltnfO{ n]v]sf] r=g+= !)# ldlt @)%(.!!.@@ sf] kq . aLdfn]vn] /Iffj/0f u/]sf] Iflt jfkt lgj]bsn] dfu u/]sf] ?= !&,!#,^)).– af6 aLdfn]vsf] zt{ ;'ljwf adf]lhd clgjfo{ clws jfktsf] /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ bfjL e'QmfgL ug{' egL aLds /fli6«o aLdf ;+:yfgnfO{ aLdf P]g, @)$( sf] bkmf *-3!_ bkmf !& -$_ tyf aLdf lgodfjnL, @)$( sf] lgod ##-@_ adf]lhd cfb]z lbg] 7x5{ eGg] ;d]t Joxf]/fsf] aLdf ;ldltn] ldlt @)^).@.#) df u/]sf] lg0f{o . aLldtn] #%*) af]/f wfg n'6L nu]sf] / pQm wfgsf d"No ?= !&,!#,^)).– x'g] egL bfjL ug{'ePsf]df ck/fwL lu/f]xn] rgfvf] ;'/IffsdL{x?sf] ;+/If0fdf /x]sf] If]qleq Toqf] kl/0fdsf] wfg rf]/L n'6L nu] egL ljZjf; ug{ ;lsg] cfwf/ k|df0f b]lvb}g . aLdfn]v gLltdf :ynut / ef}lts lg/LIf0f (Physical Verification)

u/]/ dfq k'li6 ul/G5 . o; k|sf/sf] s'g} sfd ePsf] 5}g / n'6L nu]sf] bfjL k|df0fx? klg 5}g . ljkIfLn] wfgx? cfkm}+n] lalqm u/L em'¶f ph'/L ug{'ePsf] xf] . cfunfuL ePsf] cj:yfdf s;}n] cfuf] lgefpg] sfo{ ubf{ s'g} jfxgfn] rf]/L u/]df klg To:tf] xfgL–gf]S;fgL ;dfj]z ug{] 5}g egL k|i6 n]lvPsf] 5 . clUg aLdfn]vsf] bfo/f cGtu{t rf]/L n'6df/ kg{ gcfpg] x'Fbf aLdf ;ldltsf] ldlt @)^).@.#) sf] bfjL adf]lhd e/fpg] lg0f{o aLdfn]v ljkl/t u}/sfg"gL x'Fbf pN6L u/L OG;fkm kfpF eGg] ;d]t /fli6«o aLdf ;+:yfg /fd zfxkysf] tkm{af6 k/]sf] k'g/fj]bg kq .

jfbLsf gfpFdf clUg aLdfn]v hf/L ePsf] cj:yfdf bfjLsf] jf/bft kg{ cfpg] gcfpg] / jf/bft oyfy{df eP gePsf] Plsg e} /x]sf] gb]lvPsf]df To;tkm{ ljrf/ gu/L bfjL e'QmfgL ug{] u/L ePsf] aLdf ;ldltsf] lg0f{o km/s kg{ ;Sg] b]lv+bf k|ToyL{nfO{ 5nkmnsf] lgldQ c=j+= @)@ g+= adf]lhd lemsfO{ k]z ug{' eGg] o; cbfntsf] ldlt @)^!.!.$ sf] cfb]z . o;df aLldt j:t'sf] xfgL–gf]S;fgL eof] Ifltk"lt{ kfpF egL k|ToyL{ xl/ z+s/ 7fs'/n] bfjL u/]sf] s'/fnfO{ k'g/fj]bs ;+:yfgn] cfkm\gf] tkm{af6 ;f] s'/fsf] tTsfn 5fgjLg jf ;e{] ePsf] lyof] lyPg ;f] s'/f st}af6 k|i6 gePsf]n] ;f] s'/f k'g/fj]bs /fli6«o aLdf ;+:yfgnfO{ v'nfpg nufO{ lgodfg';f/ k]z ug{' eGg] o; cbfntsf] ldlt @)^!.!).!@ sf] cfb]z . ljkIfLsf] bfjL clUg aLdfsf] gLlt leq gkg{] ePsf] x'Fbf xfdLn] ;e{]o/ k7fpg' kg{] s'g} sf/0f gePsf]n] ;e{]o/ k7fPgf}+ / ljkIfLsf] ph'/L bfjLnfO{ xfdLn] :jLsf/ g} u/]gf}+ eGg] ;d]t Joxf]/fsf] /fli6«o aLdf ;+:yfgsf] hjfkm . o;df z'? aLdf ;ldltn] lgj]bsn] dfu u/]sf] ?= !&,!#,^)).– af6 aLdfn]vsf] zt{ ;'ljwf adf]lhd clgjfo{ clws jfktsf] /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ bfjL e''QmfgL ug{' egL ldlt @)^).@.#) df u/]sf] lg0f{odf kl/ljt{g ug{'kg{] cj:yf ljBdfg gx'Fbf ;b/ x'g] 7x5{ eGg] ;d]tsf] k'=j]=c=sf] km};nf . uf]bfdsf] wfg 7"nf] kl/df0fdf /x]sf] x'Fbf n'6L nu]sf] eGg ldNg] x'Fb}g . wfg cfkm}+n] lalqm u/]sf] cj:yfdf ph'/ k/]sf] 5 . cfunfuL e} cfuf] lgefpFbf rf]/L u/]sf] cj:yfdf klg To:tf] gf]S;fgL aLdf jfkt kg{] xf]Og . clUg aLdfsf] bfo/fdf rf]/L kg{] klg xf]Og . z'?sf] lg0f{o pN6L u/L kfpF eGg] ;d]tsf] /fli6«o aLdf ;+:yfgsf] k'g/fj]bg . o;df ljkIfLn] u/]sf] aLdfn] clUgnfO{ dfq ;dfj]z u/]sf] eGg] l;=Pkm= @$@^.))!!@)^ sf] /fli6«o aLdf ;+:yfgaf6 hf/L ePsf] cGtl/d se/gf]6af6 b]lvG5 . cGtl/d se/gf]6sf] tn v08df l;=Pkm @$@^.))!!@)^ df aLdf se/gf]6 hf/L ePkl5 aLdf se/gf]6sf] zt{ / cj:yf nfu" x'g' cGtl/d se/gf]6sf] Joj:Yff nfu" gx'g] eGg] :ki6 b]lvof] . lgj]bg ;fy k]z ePsf] /fli6«o aLDff ;+:yfgaf6 hf/L ePsf] clUg aLDffn]vsf] zt{ g+=^-!_ / h -$_ af6 klg cfunfuLaf6 x'g] zt{ Iflt Cover ug{] Fix Insurance ul/Psf] t/ Terrorism cft+ssf/L ultljlw cflbsf] sf/0f ePsf] gf]S;fgLsf] aLdfx? Cover gePsf] eGg] :ki6 b]lv+bf b]lv+b} klg ;DalGwt k|df0fsf] d"NofÍg gu/L hfgsf/Ldf glnO{ u/]sf] k'=j=c=sf] km};nfdf c=j+=!*$-s_ k|df0f P]g, @)#! sf] bkmf # cg';f/ ;Da4 k|df0f a'em\g kg{] ga'emL bkmf %$ ;d]tsf] sfg"gL q'6L b]lv+bf Gofo k|zf;g P]g, @)$* sf] bkmf !@-!_-s_ adf]lhd lg:;f k|bfg ul/Psf] 5 eGg] @)^@.!!.#.$ sf] cfb]z . lgod adf]lhd b}lgs k]zL ;"rLdf r9L Ohnfz ;dIf k]z x'g cfPsf] k|:t't d'2f;+u ;DalGwt ;Dk"0f{ ldl;n cWoog u/L k'g/fj]bs tkm{af6 pkl:yt ljåfg\ clwjQmf >L /]jGt axfb'/ s'Fj/n] jf:tljs ?kdf aLdf ePsf] ;DaGwdf dfq aLdf ;+:yfgn] bfloTj jxg ug{'kg{] xf] . aLdf u/]sf] ljifo j:t';+u c;DalGwt s'/fdf klg bfloTjefuL x'g'kg{] x}g . gf]S;fgL ePsf] eg]sf] j:t' n'6kf6 / rf]/L eof] eGg] s'/f pNn]v ePsf]df Jofks ?kdf ;'/Iffsf] k|jGw ePsf] :yfgdf 7"nf] kl/df0fsf] ;fdfg n'6kf6 rf]/L eof] eGg] s'/f agfj6L b]lvG5 eGg] ;d]tsf] / ljkIfL tkm{af6 pkl:yt ljåfg\ clwjQmf >L gljg s'df/ jdf{n] xHhf/f}+sf] ;+Vofdf cfPsf cft+ssf/Ln] uf]bfd g} n'6kf6 u/]sf] cj:yfdf ;'/Iff k|aGw /x]sf] lyPg . rf]/L n'6kf6 ePsf] eGg] s'/f :yflgo / k|x/L k|zf;g ;d]tn] k|dfl0ft ul/lbPsf] cj:yf 5 . aLdf u/]sf] s'/fdf b'O{dt geP kl5 aLdf

jfkt jf:tljs Ifltk"lt{ kfpg' kg{] x'G5 . l8;]Da/ ^, @))! b]lv nfu" x'g] u/L /Iffj/0f u/fOPsf] j:t' clUg, x'nb+uf / å]ifk"0f{ sfo{ cft+sjfb jfkt klg se/gf]6 ePsf] cj:yfdf ;+:yfg bfloTjefuL 5}g eGg ldNb}g eGg] ;d]tsf] jx; ug{'eof] . aLdf jfktsf] /sd aLdf ;+:yfgn] e'QmfgL ug{'kg{] 7x¥ofPsf] z'?sf] OG;fkm ;b/ u/]sf] k'g/fj]bg cbfntsf] OG;fkm ldn]sf] 5 5}g eGg] lg0f{o ug{'kg{] b]lvg cfof] . lg0f{otkm{ ljrf/ ubf{ ldlt @)%(.!.^ ut] ;fFem xltof/wf/L xhf/f}+sf] ;+Vofdf cfPsf cft+ssf/L hTyfn] cfkm\gf] uf]bfddf ha/h:tL k|j]z u/L hfx]/Ldf pNn]lvt wfg df]6f #,%*).– af]/f n'6L nu]sf]df ;f] n'6L nu]sf] wfg jfkt /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 aLdfn]v g+= ;L=Pkm= @$@%.))!!@)^ tyf l;=Pkm= @$@^.))!!@)^ cGtu{t aLdf u/fPsf], /Iffj/0f u/fOPsf] hf]lvd leq cft+sjfb ;d]t /x]sf]df rf]/L n'6kf6 ;d]tsf] aLdf gu/fPsf] egL /fli6«o aLdf ;+:yfgn] aLdf jfkt /sd e'QmfgL ug{af6 OGsf/ u/]sf] egL afbL xl/ z+s/ 7fs'/n] hDdf #%*) af]/f wfgdf k'Ug uPsf] Iflt jfkt ?=!&,!#,^)).– / Aofh ;d]t yk u/L ;Dk"0f{ /sd ljkIfL /fli6«o aLdf ;+:yfg wgu9L zfvfaf6 lbnfO{ e/fO{ kfpF egL aLdf ;ldlt sf7df08f}+df lgj]bg lbPsf] kfOof] . clUg aLdfn]vsf] bfo/f cGtu{t rf]/L n'6df/ kg{ gcfpg] x'Fbf aLdfn]vsf] bfo/fdf gkg{] /sd aLldtnfO{ e'QmfgL ug{ gkg{] / wfg n'6df/ ePsf] eGg] s'/f k'li6 ePsf] 5}g eGg] ;d]tsf] /fli6«o aLdf ;+:yfgsf] egfO{ /x]af6 ;f]xL ljifodf ljjfb /x]sf] kfOof] . @)%(.!.^ ut] jfbL xl/z+s/ 7fs'/sf] wfg /flvPsf] uf]bfddf cft+ssf/L ;d"xn] hj/h:tL k|j]z u/L #%*) af]/f wfg n'6L nu]sf] xf] egL x;'lnof uf=lj=;= sfof{no s}nfnL / lhNnf k|x/L sfof{no s}nfnLn] k|dfl0ft ul/lbPsf] s'/f ldl;n ;+nUg sfuhftaf6 b]lvPsf] x'Fbf n'6kf6 ePs} xf]Og eGg] k|ltjfbL aLdf ;+:yfg / P]=sf] tkm{af6 pkl:yt ljåfg\ sfg"g Joj;foLsf] egfO{ kTof/ nfos b]lvb}+g . uf]bfddf cfqmd0f / n'6kf6 eO Iflt x'g uPsf] eGg] tYo pNn]lvt x;'nLof uf=lj=;= sfof{no / lhNnf k|x/L sfof{no s}nfnLsf] kq ;d]taf6 k'li6 eO/x]sf] x'Fbf ca jfbLn] bfjL u/]sf] gf]S;fgL jfktsf] Iflt aLdf ;+:yfgaf6 jfbLnfO{ e/fO{ lbg kg{] xf] xf]Og eGg] ;Dd s'/fsf] ljrf/ ug{'kg{] b]lvG5 . l;=Pkm=@$@% / l;=Pkm=@$@^ af6 xl/ z+s/ uNnf e08f/sf dflns xl/ z+s/ 7fs'/n] #%*) af]/f wfg aLdf u/fPsf] eGg] s'/fnfO{ k'g/fj]bs aLdf ;+:yfgn] cGoyf eGg ;s]sf] kfOGg . k|lt pQ/ / k'g/fj]bg lhls/ x]bf{ ;d]t clUg aLdf dfq u/]sf]df cft+sjfbsf] sf/0fn] aLdf ul/Psf] ;fdfg rf]/L n'6kf6 ePsf]df cft+sjfb jfkt x'g IfltnfO{ aLdfn] g;d]6]sf] egL /fli6«o aLdf ;+:yfg aLdf jfktsf] /sd e'QmfgL ug{af6 OGsf/ /x]sf] kfObf jfbL k|ltjfbL aLr s] s:tf] k|sf/n] aLdf ePsf] /x]5 ;f] ;DaGwdf ljrf/ ug{'kg{] b]lvG5 . ldl;n;fy ;+nUg aLdfsf] cGtl/d se/gf]6af6 l;=Pkm= g+= @$@%.))!!@)^ df ux'F ^)) af]/f / wfg !*)) af]/fsf] !$,@&,*%) / l;=Pkm=@$@^.))!!@)^ df wfg ^)) af]/fsf] @,*%,&%) u/L hDdf !&,!#,^)).– clUg, x'nb+uf / å]ifk"0f{ sfo{ / cft+sjfb jfkt aLdf u/fOPsf] tYonfO{ cGtl/d se/gf]6n] k'li6 ul//x]sf] cj:yf 5 . cGtl/d se/gf]6sf] aLdf se/ ul/Psf] Joxf]/fdf o; se/gf]6 cGtu{t clUg cltl/Qm x'nb+uf / å]ifk"0f{ sfo{ / cft+sjfbaf6 aLldtsf] Iflt ePdf ;d]t yk ;'/If0f k|bfg ul/g] 5 eGg] Joxf]/faf6 clUgsf sf/0f ePsf] Iflt dfq Joxf]l/g] egL cy{ ug{ ldNg] b]lvFb}g . cGtl/d se/gf]6 lgZro g} aLdfn]v tof/ e} hf/L geP;DdnfO{ xf] . aLdf u/fP kl5 u/fOPsf] aLdfsf] aLdfn]v aLldtnfO{ lbg'kg{] st{Jo / aLdf u/fpFbfsf] cj:yfdf ePsf] zt{ cg';f/ aLdf u/fO{Psf] j:t'sf] ;'/If0f k|bfg ug{'kg{] bfloTj /fli6«o aLdf ;+:yfgsf] x'G5 . aLdfn]v aLldtnfO{ pknAw gu/fO{Psf]df cGtl/d se/gf]6n] k|bfg u/]sf] ;'/IffnfO{ /fli6«o aLdf ;+:yfgn] OGsf/ ug{ ;Sg] cj:yf /xFb}g .

Proxmate Cause sf] l;4fGt aLdfsf] bfjLdf dxTjk"0f{ x'G5 / aLdfsf] bfjLdf k|bfg ul/Psf] ;'/Iff / Ifltsf] sf/0fsf] ;DaGw lgs6 x'g cfjZos x'G5 . jfbLn] clUgsf] clUg cltl/Qm x'nb+uf, å]ifk"0f{ sfo{ / cft+sjfbsf] aLdf u/fPsf] kl/k|]Iodf ufpF ljsf; ;ldltsf] sfof{no x;'lnofn] @)%(.!.^ ut] ;fFemdf dfcf]jfbL cft+ssf/Lx? xhf/f}+sf] ;+VofdfcfPsf] hTyfn] #%*) af]/f wfg nu]sf] eGg] / lhNnf k|x/L sfof{no wgu9Ln] #%*) af]/f cft+ssf/Lx?n] n'l6 nu]sf] egL k|dfl0ft u/]kl5 gf]S;fgLsf] glhssf] sf/0f cft+sjfb g} b]lvg cfPsf] 5 . cGtl/d se/gf]6n] clUgsf] cltl/Qm cft+sjfbsf] sf/0faf6 x'g hfg] hf]lvdsf] ;DaGwdf ;d]t ;'/If0f k|bfg u/]sf] / cft+sjfbsf] sf/0faf6 n'6kf6 ePsf] s'/fnfO{ cflwsfl/s lgsfox?n] ;d]t k|dfl0ft u/L lbPsf] cj:yf b]lvof] . o;/L cfkm"n] ;'/If0f k|bfg u/]sf] hf]lvdsf;DaGwdf aLdn]v hf/L ug{kg{] cfkm\gf] st{JonfO{ /fli6«o aLdf ;+:yfgn] kfngf gu/L aLldtnfO{ Iflt jfktsf] /sd e'QmfgL ug{kg{] bfloTjaf6 klG5Psf] cj:yf kfOof] . aLdf u/fOPsf] j:t'sf] Iflt ePsf] cj:yfdf Iflt jfktsf] /sd e'QmfgL lbg'kg{] bfloTj ePsf] /fli6«o aLdf ;+:yfg h:tf] lgsfon] cft+sjfbsf] ;DaGwdf aLdfn]v hf/L gePsf] egL aLdfsf] cGtl/d se/gf]6 dfkm{t ;'/If0f k|bfg u/]sf] cft+sjfb jfktsf] hf]lvdsf ;DaGwdf /sd e'QmfgL ug{af6 klG5g] sfo{ lgZro g} /fd|f] x}g . aLdfsf] cGtl/d se/gf]6df clUg, x'nb+uf, å]ifk"0f{ sfo{ / cft+sjfbsf] hf]lvd klg ;dfj]z ul/Psf] eGg] pNn]v ePsf], cft+sjfbL ;d"xsf] n'6kf6 u/]sf] egL ;DalGwt uf=lj=;=sf] sfof{no / lhNnf k|zf;g sfof{no ;d]tn] k|dfl0ft u/L lbPsf] / ldl;n ;+nUg sfuhft x]bf{ jfbLn] aLdf lk|ldod ;d]t a'emfPsf] cj:yfdf cft+sjfbaf6 ePsf] rf]/L n'6kf6sf] ;DaGwdf aLdf u/]sf] 5}g / cft+sjfbsf] aLdfn]v hf/L ePsf] 5}g eGg] /fli6«o aLdf ;+:yfgsf] egfO;+u ;xdt x'g ;Sg] cj:yf b]lvPg . jfbLnfO{ ePsf] Iflt jfktsf] /sd e'QmfgL k|fKt ug{ g;Sg] eGg ldn]g . t;y{, z'? aLdf ;ldltn] lgj]bssf] dfu adf]lhd clws jfktsf /sd s§f u/L afFsL x'g cfpg] /sd lgj]bsnfO{ e'QmfgL ug{] u/]sf] lg0f{o ;b/ u/]sf] k'g/fj]bg cbfntsf] OG;fkm ldn]s} b]lv+bf ;b/ x'g]5 . k'g/fj]bssf] kg/fj]bg lhls/ k'Ug ;Sb}g . bfo/L nut sf6L ldl;n lgodfg';f/ a'emfO{ lbg' . pQm /fodf d ;xdt 5' . -dLg axfb'/ /fodfemL_ -kjg s'df/ cf]emf_ Gofolwz Gofolwz Olt ;Djt\ @)^# ;fn kmfNu'0f @! ut] /f]h @ z'ed\===========

efu - beema samiti · 2019. 1. 7. · efu @ aldf ;ldlt dgtjo aldf k|0ffnlsf] d"ne"t p2]zo...

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