cyptr -2 SYkSn -4 ies AyYkt iv`c Cy swl qon v`fy b`cy ijhvy iksy skul iv`c dw^l nhin hoey jw auh AwpxI mu`fli is`ikaw prwpq nhin kr sky auhnw nmu Awpx

b`icaw lei lwzmi Aqy mu&q is`ikaw dw AiDkwr AYkt 2009 jwxkwri Aqy jwgrukqw sbmdi vrkswp [ sqwn:- AwfItorIAm pmjwb skul is`ikaw borf mohwli cyptr -2 SYkSn -3 AYykt qihq hryk b`cw ijs di au`mr 6 qon 14 swl di hy, auh Awpxy nyvly skul iv`c mupq Aqy lwzmi is`ikaw lyx dw h`kdwr hy[ 1

cyptr -2 SYkSn -4 ies AyYkt iv`c Cy swl qon v`fy b`cy ijhvy iksy skul iv`c dw^l nhin hoey jw auh AwpxI mu`fli is`ikaw prwpq nhin kr sky auhnw nmu AwpxI aumr Anuswr Xog jmwq iv`c dwkl krn dw prwvdwn hy[ cyptr -2 SYkSn -5 skul iv`c mu`fli is`ikaw smpurn krn dw iemqzwm nw hox di surq iv`c b`cy dw ieh AiDkwr hovygw ik auh iksy hor skul iv`c Awpxw qbwdlw krvw sky[ 2

cyptr -3 SYkSn -6 Awr ti ei AyYkt 2009 diaw DrwvW nmu srkwr Aqy lokl AQwrtI iqmn swl dy AMdr AMdr lwgu krygi [ Awpxy nyvy dy qzviz kiqy Kyqr jw h`d iv`c skul sqwpq krygi ij`qy pihlw skul sqwpq nhin hoieaw hy[ cyptr -3 SYkSn -7 ies AyYykt diaw DwrwvW nmu lwgu krn lei PMf dw prwvdwn kyndr Aqy rwj srkwr iml ky krngy[ 3

cyptr -3 SYkSn -8 Aqy 9 Awr ti ei AyYkt 2009 qihq kyndr rwj srkwr Aqy sqwnk srkwr diaw izmyvwriaw: ( aumr Cy qon codw swl) hryk b`cy nmu lwzmi Aqy mupq is`ikaw hryk b`cy dw dwklw, hwzri qy m`ufli is`ikaw XkInI bxwauxw[ is`ikaw nyvy-qyv dyy skul iv`c auplbd krvwauxw[ ivqkrw rihq is`ikaw- kmzor vrg Aqy suivdw rihq vrg dy b`icaw lei vcnb`dqw[ 4

skul iblifmg,aidawpn Amlw qy is`ikaw-swzoswzo smwn dw iemqzwm[ spysl tryinmg shulqw (syksn cwr Anuswr) dwklw, hwzri Aqy mu`fli is`ikaw di suinsicqw Aqy inrikx [ mu`fli guxvrdk is`ikaw nmu XkInI bxwauxw[ mu`fli is`ikaw lei pwtkrm prdwn krnw Aqy smyn qy kors purw krnw[ AiDAwpkW lei isklwei Aqy shulqw [ 5

cyptr -3 SYkSn -10 Awr ti ei Aykt 2009 mwpy / gwrfianz nmu ifauti idmdw hy ik auh Awpxy b`cy nmu nyvy dy skul iv`c mu`fli is`ikaw lei dw^l krvwvy[ cyptr -3 SYkSn -11 Awr ti ei AyYkt 2009 qihq srkwr nmu mu`fli is`ikaw qihq inrdys: iqmn swl di aumr qon au`pr dy b`icaw lei pri- prwiemri is`ikaw[ jdon q`k b`cw Cy swl di aumr puri nhin kr lyndw, ausdi AwrMBk bcpn di swb smbwl[ b`icaw nmu skul qon pihlw di mupq iv`idaw dyx dw iemqzwm krnw[ 6

cyptr -4 SYkSn -12 Awr ti ei AyYkt 2009 qihq skulw diaw izmyvwriaw :- 25 % rwkvinkrn kmzor Aqy ipcvy vrg dy b`icaw lei syink skulw / kyndri ividawilaw, nvoidaw ividawilaw Aqy hor gyr grwt prwpq skulw [ cyptr -4 SYkSn -12 AyYkt iv`c prwvdwn hy ik prweivyt skulw iv`c kmzor vrg dy b`icaw v`lon lei gei PIs di prqipurqi srkwr v`lonh kiqi jwvygi( prqi b`cw Krcw jo rwj v`lho prqi b`cw Krc kiqw jw irhw hy jw b`cy v`lonn skul nmu PIs id`qi gei hy ijhvi vi G`t hovygi 7

AYykt ieh vi sp`st krdw hy ik ijnhw skulw nmu srkwr v`lon irawieqi kimq qy zmin, iblifmg,swzo swmwn jw hor shulqw id`qiaw geiaw hn,auh skul srkwr v`lohn kmzor vrg dy 25% ividawqiaw nmu pvhwaux dy eivz iv`c koei rwsi vsulx dw h`kdwr nhin hovygw[ cyptr -4 SYkSn -13 kypitysn PIs skul iksy vi iv`idawrqi qon jykr kypitysn PIs vsul krdw hy qw ies PIs dy 10 guxw q`k zurmwny dw BwgI hovygw[ 8

cyptr -4 SYkSn -14 aumr dw sbuq AYlImYNtrI is`ikaw lei jnm srtiipkyt[ qzviz kiqw hoieaw koei hor dsqwvyz[ mw bwp v`lon id`qw igaw hlpiaw ibawn[ Awr ti ei AyYkt ieh sp`st krdw hy ik jnm smbmdi dsqwvyz nw hox di surq iv`c vi iksy b`cy nmu skul iv`c dwkly qon iemnkwr nhin kiqw jw skdw[ cyptr -4 SYkSn -15 Awr ti ei AyYkt dsdw hy ik skul iv`c b`cy nmu Akwdimk swl dy SurUvwq qon dw^l kiqw jwvygw prmqu iksy vi b`cy num dw^ly qon jvwb nhin id`qw jw skdw BWvyN b`cw vdwey gey smyn qon bwad vi dw^l hox lei Awvy[ 9

cyptr -4 SYkSn -16 skul iv`c dwkl koei vi b`cw ipcli klws iv`c nhin roikaw jwvygw qy nw hi mu`fli pvhwei puri hox q`k skul con k`ifaw jweygw[ cyptr -4 SYkSn -17 AyYkt qihq iksy vi b`cy nmu srirk szw Aqy mwnisk pyrswni dyx di mnwhi hy [ Aijhw krn qy rulw Anuswr AnuSwSink kiqi jwvygi[ 10

cyptr -4 SYkSn -18 srkwri jw sqwnk srkwr dy skulw qon ielwvw koei vi skul sqwipq jw kwrj nhin krygw jdon q`k auh skul aupxu`kq AQwrtI qon mwnqw dw srtiipkyt prwpq nhin kr lyndw[ cldw jykr koei ivawkqi, jo mwnqw dw srtiipkyt ley bgyr skul sqwpq krdw jw clwaundw hy, jw mwnqw r`d ho jwx qon bwad vi skul clwaundw rihmdw hy, aus nmu ie`k l`k rupey q`k zurmwnw kiqw jw skdw hy[ jykr ieh aulmgxw jwri rihmdi hy qw hr roz dw ds hzwr ruipaw zurmwnw krn dw AyYkt qihq prwvdwn hy[ 11

cyptr -4 SYkSn -19 koei vi skul ijhvw inrdwirq mwp dmf j imawr purw nhin krdw auh sqwipq nhi kiqw jw skdw [ jykr koei skul AYkt lwgu hox qon pihl sqwipq hovy pr inrdwirq mwpdmf j imawr purw nw krdw hovy qw auh Awpx Krcy qy mwpdmf Aqy imawr AYykt lwgu hox dy iqmn swl dy AMdr AMdr pury krygw[ cyptr -4 SYkSn -20 kyndr srkwr notiipkysn jwri krky SifaUl con koei mwpdmf qy imawr htw jw jov vi skdi hy[ 12

cyptr -4 SYkSn -21 mnyzmynt kmytiaw swry skul mnyzmynt kmyti bxwauxgy ijs iv`c lokl AQwrtI dy cuxy hoey numwiemidaw, mwipaw /gwrfianz Aqy AiDAwpkW con mynbr hoxgy, pr ieh auhnw skulw qy lwgu nhin hovygw ijnhw nmu srkwr shwieqw / grwt nhin idmdi cldw mnyzmynt kmyti dy mynbr iqmn coqwei mynbr mwipaw/gwrfianz con hoxgy[ kmzor vrgw Aqy suivdw rihq smuhw con Awey b`icaw dy mwipaw/gwrfianz nmu Anupwqk numwiemdgi id`qi jwvygi[ 50% mynbr AorqW hoxgiaw[ 13

mnyzmynt kmyti dy kwrj skul dy kmm kwj dw inrikx[ skul lei ivkws Xojnw di iqawri qy ispwrs[ sbmdq srkwr, lokl AQwrtI jw hor sroqw qon AweIAw grwtw di vrqon dw inrikx[ qjviz kiqy hor kwrj[ cyptr -4 SYkSn -22 mnyzmynt kmyti dy kmm hryk skul mnyzmynt kmyti skul lei ivkws XojnW bxweygi[ skul mnyzmynt kmyti duawrw iqawr ivkws XojnW aupx`ukq srkwr/ lokl AQwrtI diaw XojnWvW Aqy grwtw dyx dw ADwr hovygi[ 14

cyptr -4 SYkSn -23 AiDAwpkW di inxukqi koei ivakqi jo Akwdimk AQwrtI v`lon inrdwrq Xogqw r`kdw hovy, auh AiDAwpk ho skdw hy[ cyptr -4 SYkSn -24 AiDAwpkw diaw ifautiaw skul iv`con lgwqwrqw Aqy smyn di pwbmdi r`kxw[ inrdwrq pwtkrm numu krmvwr purw krnw[ im`qy smyn iv`c swrw pwtkrm purw krnw[ cldw.. 15

mwipaw/ gwrfianz nwl smyn smyn qy miitmgw krniaw ivbwg duawrw qzviz kiqiaw hor ifautiaw inbwauxw[ cyptr -4 SYkSn -25 AYkt dy lwgu hox dy Cy mhiny dy AMdr AMdr aupxukq srkwr/sqwnk srkwr ieh suinsq krygi ki ividawrqi-aidawpkaidawpk Anupwq jo hytw ilky Anuswr hovy[ cldw.. 16

pihli qon pmjvin jmwq q`k 60 q`k 2 AiDAwpk 61-90 3 AiDAwpk 91-120 120 4 AiDAwpk 121-200 200 5 AiDAwpk 150 qon v`d 5 AiDAwpk+ 1 hy`f ticr 200 qon v`d 1:40 CyvIN qon A`TvI jmwq q`k 1.G`to G`t ie`k AiDAwpk prqi jmwq ivigawn/gixq[ smwijk is`ikaw [ BwSwvW[ 2 hr 35 ividawrqiaw lei G`to G`t ie`k AiDAwpk hovy[ 3. ij`qy 100 qon v`d ividawrqi hox au`qy ie`k hy`f ticr (Permanent) Aqy klw is`ikaw, ishq Aqy srirk is`ikaw,kwrj is`ikaw dy pwrt tweim AiDAwpk hoxgy[ 17

cyptr -4 SYkSn -26 KwlI AswmIAW smbmdi aupxu`kq srkwr/ sqwnk srkwr jw shwieqw prwpq skulw iv`c inxukqiaw krn vwli AQwrtI ieh suin`scq krygi ik aus ADIn c`lx vwly skulw iv`c KwlI AswmIAW di igxqi, skul di mnzur Sudw AswmIAW dw 10% qon v`d nw hovy[ cyptr -4 SYkSn -27 is`ikaw qon ielwvw AiDAwpkW diaw ifautiaw hr dhwky hox vwli mrdm-sumwri AwPq smyn rwhq kwrjw di ifauti lokl AQwrtI, ivdwn sbw jw smsd lei cox ifauti [ (auprokq qon ielwvw AiDAwpkW nmu koei hor vwdu ifauti nhin id`qi jwvygi) 18

cyptr -4 SYkSn -28 Awr ti ei Aykt 2009 AiDAwpk nmu prweivyt itausn jw prweivyt AiDAwpn krvwaux qon mnwhi krdw hy[ cyptr -5 SYkSn -29 mu`fli is`ikaw vwsqy pwtkrm Aqy mulwkx srkwr di notiipkysn rwhi Akwdimk AQwrtI duawrw inrdwirq hovygw[ Akwdimk AQwrtI hytw ilkiaw g`lw nmu idawn iv`c r`k ky pwt krm Aqy mulwkx ivdi nmu inrdwirq krygi cldw 19

smivdwn iv`c mojud kdrw kimqw[ b`cy dy smu`cy ivkws [ b`cy dy igawn, smrqw Aqy Xogqw dw ivkws [ mwnisk Aqy srirk ivkws [ bwl kyndirq is`kwauxw[ qriikaw nwl cldw.. b`icaw nmu fr sdmw Aqy icmqw qon mukq pvhwei krn bwry[ is`ikaw dw mwidam mwqr BwS[ 20

cyptr -5 SYkSn -30 m`ufli is`ikaw dy pury hox q`k iksy b`cy nmu borf dw koei iemiqhwn pws krn di lov nhin hovygi[ cyptr -6 SYkSn -31 b`icaw dy AiDkwrW lei styt kimsn dw gtn kiqw jwvygw[ 21

cyptr -6 SYkSn -33 rwstri slwhkwr konsl dw gtn kyndr srkwr duawrw notiipkysn rwhi rwstri slwhkwr konsl dw gtn kiqw jwvygw[ ijs iv`c v`d qon v`d 15 mynbr hoxgy[ ieh mynbr auh hoxgy ijnhw nmu mu`fli is`ikaw Aqy bwl ivkws dy Kyqr iv`c dw igawn Aqy prxogi qzrbw hovy[ cyptr -6 SYkSn -34 rwj p`dr qy rwj slwhkwr konsl dw gtn rwj srkwr duawrw notiipkysn rwhi rwj slwhkwr konsl dw gtn kiqw jwvygw[ ijs iv`c v`d qon v`d 15 mynbr hoxgy[ ieh mynbr auh hoxgy ijnhw nmu mu`fli is`ikaw Aqy bwl ivkws dy Kyqr iv`c dw igawn Aqy prxogi qzrbw hovy[ 22

Bwg 2 b`icaw lei lwzmi Aqy mu&q is`ikaw dw AiDkwr AYkt 2009 SifaUl syksn 19 qy 25 skulw lei stynfrf Aqy nwrm skulw lei inxm Aqy p`dr pihli qon pmjvin jmwq q`k 60 q`k 2 AiDAwpk 61-90 3 AiDAwpk 91-120 120 4 AiDAwpk 121-200 200 5 AiDAwpk 150 qon v`d 5 AiDAwpk+ 1 hy`f ticr 200 qon v`d 1:40 cldw 23

CyvIN qon A`TvI jmwq q`k 1.G`to G`t ie`k AiDAwpk prqi jmwq ivigawn/gixq[ smwijk is`ikaw [ BwSwvW[ 2 hr 35 ividawrqiaw lei G`to G`t ie`k AiDAwpk hovy[ 3. ij`qy 100 qon v`d ividawrqi hox au`qy ie`k hy`f ticr (Permanent) Aqy klw is`ikaw, ishq Aqy srirk is`ikaw,kwrj is`ikaw dy pwrt tweim AiDAwpk hoxgy[ iblifmg G`to- G`t hr AiDAwpk lei ie`k jmwq Aqy ie`k d&qr-km-stor- km-hyf ticr kmrw [ ibnw rukwvt qon phumc[ mumfy kuviaw lei v`kry pkwny[ su`rikaq Aqy vdiaw pix vwly pwxi di suivdw[ cldw 24

imf-fy fy-mil bxwaux lei skul iv`c rsoei Gr[ Kyf dw mydwn[ skul iblifmg di sur`ikaw lei cwr idvwri dw prbmd[ cldw ie`k ividak vrhy lei G`to-G`t kmm- kwji idn/hdwieqw lei GMty pihli jmwq qon pmjvin jmwq lei 200 kmm kwji idn[ CyvIN qon A`TvIN jmwq lei 220 kmm kwji idn[ pihli jmwq qon pmjvin jmwq q`k prqi ividak vrhy iv`c pvhwei lei 800 GMty[ CyvIN qon A`TvIN q`k hr ividak vrhy iv`c pvhwei lei 1000 GMty cldw 25

h&qy iv`cy G`to G`t 45 GMty AiDAwpk lei pvhwaux Aqy iqawri krn lei[ lov Anuswr hr jmwq nmu is`kx Aqy is`kwaux lei sm`gri mu`heiaw krvwei jvygi[ hr skul iv`c ie`k lwiebrryri hovy ijs iv`c Akbwr, mygzin, swry ivisaw diaw ikqbw Aqy khwxi diaw ikqwbw hox[ KyfW dw smwn hr jmwq nmu lov Anuswr m`heiaw krvwieaw jwvygw[ 26