study on mutual fund industry

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    M

    VRIGENP REVIRP

    IK

    ^PU@S IA DUPUMO AUK@ MK@ CP^

    VRI^VENP^ M^ MK CKQE^PDEKP

    IVPCIK CK CK@CM

    Uk`erpmjek mp

    ^UBDCPPE@ BS7

    KCJLCO DMLMGMK

    VH@D ,266

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    M~ ver ple re}ucredekp ia Vi~p

    Hrm`umpe @cvoidm ck Dmkmhedekp MNJKIXOE@HEDEKP

    C pmje plc~ ivvirpukcps pi e|vre~~ ds `eev ~ek~e ia hrmpcpu`e pi moo pli~e

    xli lmqe nikprcbupe` ~chkcacnmkpos bs ~lmrckh plecr jkixoe`he mk`

    e|vercekne ck ple nidvoepcik ia plc~ vrigenp xirj+

    Ds acr~p xir` ia hrmpcpu`e c~ `ue pi Dr+ Kcpc~l @cvmkjmr/ Mrem ^moe~ Dmkmher

    ^pmk`mr` Nlmrpere` Bmkj/ Brmknl Kex Arcek`~ Nioiks/ Kex @eolc/ ds

    nirvirmpe huc`e/ air lc~ jck` leov mk` ~uvvirp mk` air lc~ qmoumboe huc`mkne

    plriuhliup ple vrigenp+ C md plmkjauo pi lcd air vriqc ckh de xcpl

    kene~~mrs ck~chlp~ mk` leovckh de iup mp eqers ~ckhoe ~pev+

    Ds lemrpaeop plmkj~ pi ds re~venpe` Amnuops Huc`e kmdeos Vria+ ^mkgms

    Pidmr/ Amnuops ia ackmkne/ Kex @eolc Ck~pcpupe ia Dmkmhedekp/ Xcpliup ler

    nikpckuiu~ leov ple vrigenp xiuo` kip lmqe beek dmpercmocwe` ck ple vre~ekp

    aird+ Ler qmoumboe ~uhhe~pcik~ leove` de mp eqers ~pev+ C xiuo` mo~i ocje pi

    plmkj ple vomnedekp neoo air moo plecr eaairp~ pi mrrmkhe plc~ prmckckh+

    C md mo~i plmkjauo pi ple re~vik`ekp xli leove` u~ bs acoockh uv ple

    }ue~pcikkmcre+

    Kcjlco Dmlmgmk

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP2 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP> | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    E\ENUPCQE ^UDDMRS

    Ck`cmk ^pinj dmrjep lm~ uk`erhike predek`iu~ nlmkhe~ iqer ple

    semr+ Ckqe~pdekp ck Dupumo Auk` lm~ benide m dmgir moperkmpcqe

    mdikh Ckqe~pir~+Ck aex semr~ Dupumo Auk` lm~ ederhe` m~ m piio air

    ek~urckh ike~ ackmkncmo xeoo beckh+ Dupumo Auk`~ lmqe kip ikos

    nikprcbupe` pi ple Ck`cm hrixpl ~pirs bup lmqe mo~i leove` amdcoce~ pmv

    ckpi ple ~unne~~ ia Ck`cmk Ck`u~prs+ M~ ckairdmpcik mk` mxmreke~~ c~

    rc~ckh dire mk` dire veivoe mre ekgisckh ple bekeacp~ ia ckqe~pckh ck

    dupumo auk`~+ Ple dmck rem~ik ple kudber ia repmco dupumo auk`

    ckqe~pir~ redmck~ ~dmoo c~ plmp veivoe xcpl cknide~ ck Ck`cm `i kip

    jkix plmp mbiup dupumo auk`~+ Bup ikne veivoe mre mxmre ia dupumo

    auk` ckqe~pdekp ivvirpukcpce~/ ple veivoe xli `enc`e pi ckqe~p ck

    dupumo auk`~ cknrem~e~+ Ple prcnj air nikqerpckh m ver~ik xcpl ki

    jkixoe`he ia dupumo auk`~ pi m kex Dupumo Auk` nu~pider c~ pi

    uk`er~pmk` xlcnl ia ple vipekpcmo ckqe~pir~ mre dire ocjeos pi bus

    dupumo auk`~ mk` pi u~e ple rchlp mrhudekp~ ck ple ~moe~ vrine~~ plmp

    nu~pider~ xcoo mnnevp m~ cdvirpmkp mk` reoeqmkp pi plecr `enc~cik+

    Plc~ Vrigenp hmqe de m hremp oemrkckh e|vercekne mk` mp ple ~mde pcde

    cp hmqe de ekiuhl ~nive pi cdvoedekp ds mkmospcnmo mbcocps+ Ple

    mkmos~c~ mk` m`qcne vre~ekpe` ck plc~ Vrigenp Revirp c~ bm~e` ik dmrjep

    re~emrnl ik ple ~mqckh mk` ckqe~pdekp vrmnpcne~ ia ple ckqe~pir~ mk`

    vreaerekne~ ia ple ckqe~pir~ air ckqe~pdekp ck Dupumo Auk`~+ Plc~

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP0 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    Revirp xcoo leov pi jkix mbiup Dupumo auk` m~ mk

    ckqe~pdekp ivpcik ck Ck`cm+

    Plc~ Vrigenp m~ m xlioe nmk be `cqc`e` ckpi pxi vmrp~+

    Ple acr~p vmrp hcqe~ mk iqerqcex ia Dupumo Auk` Ck`u~prs mk` pi

    uk`er~pmk` Ckqe~pir~ vernevpcik mbiup Dupumo Auk` ck nikpe|p ia plecr

    prm`ckh vreaerekne/ e|voire ckqe~pir~ rc~j vernevpcik ! ack` iup plecr

    vreaerekne iqer Piv Dupumo Auk`~+

    Ple ~enik` vmrp `emo~ xcpl ple ckqe~pir vernevpcik rehmr ckh plecr

    ckqe~pdekp vreaerekne~ mbiup ckqe~pdekp ck Dupumo Auk`+ Plc~ vmrp ia ple

    Vrigenp nik~c~p~ ia `mpm mk` cp~ mkmos~c~ niooenpe` plriuhl ~urqes `ike ik 56

    veivoe+ Om~p vmrp ia ple vrigenp revirp `emo~ xcpl ib~erqmpcik ia ~urqes

    revirp mk` niknou~cik `rmxk uvik ik ple bm~c~ ia ple ~mde+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP5 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    NIKPEKP^

    MNJKIXOE@HDEKP

    E\ENUPCQE ^UDDERS

    NIDVMKS VRIACOE

    Mbiup ^pmk`mr` Nlmrpere` Bmkj

    Nurrekp Vi~cpcik Ia ^pmk`mr` Nlmrpere` Bmkj

    Renekp Moocmkne~ Mk` ^prmpehcn Mn}uc~cpcik~

    ^pmk`mr` Nlmrpere` Bmkj Ck Ck`cm

    CKPI@UNPCIK

    NIKNEVP IA DUPUMO AUK@^

    LC^PIRS IA CK@CMK DUPUMO AUK@ CK@U^PRS

    LIX DUPUMO AUK@ MRE ^PURNPURE@

    REHUOMPCKH MHEKNCE^ AIR DUPUMO AUK@

    LIX CKQE^PIR EMRK ARID DUPUMO AUK@

    PSVE^ IA DUPUMO AUK@^

    BEKEACP^ IA DUPUMO AUK@^

    VERAIRDMKNE EQMOUMPCIK

    Vmrmdeper~ ia dupumo auk` eqmoumpcik7 Rc~j

    Repurk~

    Oc}uc`cps

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP1 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    E|vek~e Rmpci

    Nidvi~cpcik ia Virpaioci

    PM\ BMKEACP^ CKQE^PCKH CK DUPUMO AUK@^

    DMGIR VOMSER^ CK DUPUMO AUK@ CK@U^PRS

    PIV VERAIRDMKNE AUK@^

    AUPURE IA DUPUMO AUK@^ CK CK@CM

    DMRJEPCKH ^PRMPEHS M@IVPE@ BS DUPUMO AUK@

    @caaerekp ~moe~ depli`~

    @caaerekp depli`~ ia vridipcik~

    DMRJEP ^PU@S

    Ibgenpcqe

    Depli`ioihs

    Mkmos~c~

    NIKNOU^CIK

    RENIDDEK@MPCIK^

    BCBOCIHRMVLS

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP8 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    NIDVMKS VRIACOE

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP< | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    L C^PIRSPle ^pmk`mr` Nlmrpere` Hriuv xm~ airde` ck =313 plriuhl m derher ia pxi

    bmkj~7 Ple ^pmk`mr` Bmkj ia Brcpc~l ^iupl Marcnm aiuk`e` ck = mk` ple

    Nlmrpere` Bmkj ia Ck`cm/ Mu~prmocm mk` Nlckm/ aiuk`e` ck =+

    Bipl nidvmkce~ xere jeek pi nmvcpmoc~e ik ple luhe e|vmk~cik ia prm`e mk`

    pi emrk ple lmk`~ide vriacp~ pi be dm`e arid ackmknckh ple diqedekp ia

    hii`~ arid Eurive pi ple Em~p mk` pi Marcnm+

    Ple Nlmrpere` Bmkj

    Aiuk`e` bs Gmde~ Xco~ik aiooixckh ple hrmkp ia m Rismo Nlmrper bs

    ]ueek Qcnpircm ck =+

    Nlmrpere` iveke` cp~ acr~p brmknle~ ck Dudbmc ,Bidbms#/ Nmonuppm mk`

    ^lmkhlmc ck =

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    mk` ck~pcpupcikmo bmkjckh mk` ik ple vriqc~cik ia prem~urs

    ~erqcne~ $ mrem~ ck xlcnl ple Hriuv lm` vmrpcnuomr ~prekhpl mk` e|verpc~e+

    Mp ^pmk`mr` Nlmrpere`/ ~unne~~ c~ bucop ik pemdxirj/ vmrpker~lcv mk` ple

    `cqer~cps ia iur veivoe+ Mp ple lemrp ia plecr qmoue~ oce `cqer~cps mk`

    cknou~cik+ Ples mre m auk`mdekpmo vmrp ia plecr nuopure/ mk` nik~pcpupe m

    oikh$perd vrcircps ck iur plecr~ pi benide ple xiro`(~ be~p ckperkmpcikmo

    bmkj+ Pi`ms ples edvois 8>/666 veivoe/ revre~ekpckh ==5 kmpcikmocpce~/ mk`

    siu(oo ack` 1= kmpcikmocpce~ mdikh iur 566 di~p ~ekcir oem`er~+ Xe beoceqe

    plc~ `cqer~cps leov~ pi aueo nrempcqcps mk` ckkiqmpcik/ ~uvvirpckh ple

    `eqeoivdekp ia e|ncpckh kex vri`unp~ mk` ~erqcne~ air iur nu~pider~

    xiro`xc`e+

    ^pmk`mr` Nlmrpere` VON c~ oc~pe` ik bipl ple Oik`ik ^pinj E|nlmkhe mk`

    ple ^pinj E|nlmkhe ia Likh Jikh mk` c~ ck ple piv 25 AP^E$=66 nidvmkce~/

    bs dmrjep nmvcpmocwmpcik+ Aiooixckh ple mn}uc~cpcik ia Jirem Acr~p Bmkj/

    ^pmk`mr` Nlmrpere` kix edvois~ >

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    ^pmk`mr` Nlmrpere` c~ xeoo e~pmboc~le` ck hrixpl dmrjep~ mk` mcd~ pi be plerchlp vmrpker air cp~ nu~pider~+ Ple Bmkj nidbcke~ `eev oinmo jkixoe`he

    xcpl hoibmo nmvmbcocps+

    Ple Bmkj c~ pru~pe` mnri~~ cp~ kepxirj air cp~ ~pmk`mr` ia hiqerkmkne mk` cp~

    niddcpdekp pi dmjckh m `caaerekne ck ple niddukcpce~ ck xlcnl cp ivermpe~+

    Psve Vubocn

    Aiuk`e` =

    Lem`}umrper

    ~Oik`ik/ Ekhomk`/ UJ

    Jes veivoe Veper ^mk`~/ Nlcea Eenupcqe

    Ck`u~prs Bmkjckh

    Vri`unp~ Ackmkncmo erqcne~

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP=2 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    NURREKP VI^CPCIK IA ^PMK@MR@

    NLMRPERE@ BMKJ

    Pi`ms/ ple bmkj c~ m oem`ckh vomser plriuhliup ple `eqeoivckh xiro`+

    ^pmk`mr` Nlmrpere` Bmkj c~ ike ia ple plree bmkj~ c~~uckh bmkjkipe~ air

    Likh Jikh ,^pmk`mr` Nlmrpere` Bmkj ,Likh Jikh# Ocdcpe` benmde m kipe$

    c~~uckh bmkj arid 2660#/ ple ipler pxi beckh ple Bmkj ia Nlckm ,Likh

    Jikh# mk` Ple Likhjikh mk` ^lmkhlmc Bmkjckh Nirvirmpcik+

    Ple bmkj ~uvvirp~ dmrmplik~ ck dmks ncpce~/ cknou`ckh Oik`ik ,Ple NcpsRuk#/ Ger~es/ ^ckhmvire/ @ubmc/ Omlire/ Dudbmc/ Likh Jikh/ mk` Kmcribc+

    ^pmk`mr` nlmrpere` bmkj lm~ cp~ hoibmo vre~ekne ck moo iqer Mdercnm/ M~cm/

    Marcnm/ Dc``oe Em~p/ mk` Eurive+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP=0 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    Ck cp~ ukc}ue vi~cpcik m~ mk ckperkmpcikmo bmkj xcpl ~prikh

    armknlc~e/ ^pmk`mr` Nlmrpere` nidbcke~ mk ck$`evpl jkixoe`he ia oinmo

    dmrjep~ xcpl

    hoibmo vri`unp e|verpc~e pi iaaer eaaenpcqe ackmkncmo ~ioupcik~+ Ple bmkj

    nmvcpmocwe~ ik cp~ ik~lire vre~ekne mnri~~ M~cm/ Marcnm mk` ple Dc``oe Em~p pi

    iaaer nu~pider~ nikqekcekp mk` reocmboe mnne~~ pi ple xc e~p rmkhe ia

    nurrekns dmrjep~/ pi `mpe oinmo dmrjep ckairdmpcik/ niukprs$~vencacn hoibmo

    rc~j dmkmhedekp ~prmpehce~/ mk` nu~pidcwe` nmvcpmo rmc~ckh mk` oc}uc`cps

    dmkmhedekp ~ioupcik~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP=5 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    E~pmboc~ldekp ia ^pmk`mr` Nlmrpere` Bmkj mriuk` ple

    xiro`

    Niukprs Semr

    E~pmboc~le`

    Niukprs Semr E~pmboc~le`

    Ukcpe` Jckh`id = Mu~prmocm =310

    Nlckm/ Ck`cm/

    ^rc Omkjm

    =

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    Bmkhom`e~l =365 Crmk =33>

    Wmdbcm =361 Nioidbcm =335

    Jeksm =3== Omi~/ Mrhekpckm =331

    Uhmk`m =3=2 Kchercm =333

    Pmkwmkcm =3=8 Oebmkik 2666

    Bmlrmck =326 Nipe Cqicre 266=

    Gir`mk =325 Dmurcpcu~ 2662

    Jirem =323 Purjes 266>

    ]mpmr =356 Mahlmkc~pmk 2660

    Brukec/ UME =35566 veivoe+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP=8 | V m h e

    http://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://en.wikipedia.org/wiki/India
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    Ik =5pl Mvrco 2665 / ple bmkj mn}ucre`Jirem Acr~p

    Bmkj/ bempckh L^BN ck ple bc`+ ^ckne plek ple bmkj lm~ rebrmk`e` ple

    brmknle~ m~ ^N Acr~p Bmkj+

    ^pmk`mr` Nlmrpere` nidvoepe` ple ckpehrmpcik ia cp~ Bmkhjij brmknl mk`

    ^pmk`mr` Nlmrpere` Kmjirkplik Bmkj ck Inpiber/ rekmdckh ple kex ekpcps

    ^pmk`mr Nlmrpere` Bmkj ,Plmcomk`#+ ^pmk`mr` Nlmrpere` mo~i airde`

    ~prmpehcn moocmkne~ xcpl Aoedckh Amdcos ! Vmrpker~ pi e|vmk` vrcqmpe xemopl

    dmkmhedekp ck M~cm mk` ple Dc``oe Em~p/ mk` mn}ucre` ~pmje~ ck MNB

    Qcepkmd/ Prmqeoe|/ Mdercnmk E|vre~~ Bmkj ck Bmkhom`e~l mk` Bilmc Bmkj ck

    Nlckm+

    Ik 3pl Muhu~p 2661 ^pmk`mr` Nlmrpere` mkkiukne` plmp cp lm`

    mn}ucre` mk 6 Guke/ 2661+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP=< | V m h e

    http://en.wikipedia.org/wiki/2005http://en.wikipedia.org/wiki/Korea_First_Bankhttp://en.wikipedia.org/wiki/Korea_First_Bankhttp://en.wikipedia.org/wiki/HSBChttp://en.wikipedia.org/wiki/Bangkokhttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_(Thailand)http://en.wikipedia.org/wiki/ACBhttp://en.wikipedia.org/wiki/Travelexhttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Bangladeshhttp://en.wikipedia.org/wiki/Bohai_Bankhttp://en.wikipedia.org/wiki/Chinahttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_Limitedhttp://en.wikipedia.org/wiki/Union_Bankhttp://en.wikipedia.org/wiki/Pakistanhttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_(Pakistan)http://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Hsinchuhttp://en.wikipedia.org/wiki/Taiwanhttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://en.wikipedia.org/wiki/2005http://en.wikipedia.org/wiki/Korea_First_Bankhttp://en.wikipedia.org/wiki/Korea_First_Bankhttp://en.wikipedia.org/wiki/Korea_First_Bankhttp://en.wikipedia.org/wiki/HSBChttp://en.wikipedia.org/wiki/Bangkokhttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_(Thailand)http://en.wikipedia.org/wiki/ACBhttp://en.wikipedia.org/wiki/Travelexhttp://en.wikipedia.org/wiki/American_Express_Bankhttp://en.wikipedia.org/wiki/Bangladeshhttp://en.wikipedia.org/wiki/Bohai_Bankhttp://en.wikipedia.org/wiki/Chinahttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_Limitedhttp://en.wikipedia.org/wiki/Union_Bankhttp://en.wikipedia.org/wiki/Pakistanhttp://en.wikipedia.org/wiki/Standard_Chartered_Bank_(Pakistan)http://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Standard_Charteredhttp://en.wikipedia.org/wiki/Hsinchuhttp://en.wikipedia.org/wiki/Taiwan
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    Ck 2661/ ^pmk`mr` Nlmrpere` ck Bmkhom`e~l/

    mkkiukne` mk moocmkne xcpl @upnl Bmkhom Bmkj Op` pi ~lmre plecr

    re~venpcqe MPD ivermpcik~+

    Ik 2> Muhu~p/ 2668 ^pmk`mr` Nlmrpere` ekpere` ckpi mk mhreedekp

    pi bus m 03 vernekp ia mk Ck`cmk brijermhe acrd ,UPC ^enurcpce~# air

    $>1 dcoocik ck nm~l arid ^enurcpce~ Prm`ckh Nirvirmpcik ia Ck`cm Op`+/ xcpl

    ple ivpcik pi rmc~e cp~ ~pmje pi 85 vernekp ck 266< mk`/ ca bipl vmrpker~

    mhree/ pi =66 vernekp bs 26=6+ UPC ^enurcpce~ iaaer~ brijckh/ xemopl

    dmkmhedekp mk` ckqe~pdekp bmkjckh ~erqcne~ mnri~~ 16 Ck`cmk ncpce~+

    Ik 23pl Aebrumrs 266

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    ~ub~pmkpcmo purkiqer ck rcne bcoo~ xcpl ple oem`ckh Mrmb acrd~+

    Xlek Ple Nlmrpere` Bmkj acr~p e~pmboc~le` cp~eoa ck Ck`cm/ Jiojmpm xm~ ple

    di~p cdvirpmkp nidderncmo ncps/ mk` xm~ ple nekpre ia ple gupe mk` ck`chi

    prm`e~+ Xcpl ple hrixpl ia ple nippik prm`e mk` ple ivekckh ia ple ^uew

    Nmkmo ck =6 ncpce~+ Ple Bmkj c~ lmqckh m nidbcke` nu~pider

    bm~e ia 2+5 dcoocik ck repmco bmkjckh mk` iqer =266 nirvirmpe nu~pider~+

    Vri`unp~ iaaere` bs ple bmkj

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP26 | V m h e

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    Mnniukp~

    Perd @evi~cp~

    ^mqckh~ Mnniukp~ m\ne~~ Vou~ Mnniukp

    ^uver Qmoue Mnniukp

    Vmrcqmmr Mnniukp

    Ki Arcoo~ Mnniukp

    mm^mmk Mnniukp

    2$ck$= Mnniukp

    @evi~cpirs ^erqcne~

    Nirvirmpe ^momrs Mnniukp

    Nurrekp Mnniukp~ Bu~cke~~ Vou~ Mnniukp

    Eklmkne` Bu~cke~~ Vou~ Mnniukp

    Nre`cp Nmr`~

    Edcrmpe~ VompckudNmr`

    Vompckud Nmr`

    Edcrmpe~ PcpmkcudNmr`

    ^uver Qmoue PcpmkcudNmr`

    Hio` Nmr`

    EDC Nmr`

    E|enupcqe Nmr`

    Nom~~cn Nmr`

    Bu~cke~~ Hio` Nmr`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP2= | V m h e

    http://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/term-deposit.htmlhttp://www.standardchartered.co.in/personal/accounts/en/axcessplus-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/super-value-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/parivaar-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/no-frills-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/aasaan-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/two-one-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/depository-services.htmlhttp://www.standardchartered.co.in/personal/accounts/en/corporate-salary-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/enhanced-business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/gold-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emi-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/executive-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/classic-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/business-card.htmlhttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://www.standardchartered.co.in/personal/accounts/en/accounts-landing.htmlhttp://www.standardchartered.co.in/personal/accounts/en/term-deposit.htmlhttp://www.standardchartered.co.in/personal/accounts/en/axcessplus-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/super-value-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/parivaar-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/no-frills-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/aasaan-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/two-one-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/depository-services.htmlhttp://www.standardchartered.co.in/personal/accounts/en/corporate-salary-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/accounts/en/enhanced-business-pl-acc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/cc-landing.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/platinum-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emirates-titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/titanium-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/gold-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/emi-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/executive-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/classic-cc.htmlhttp://www.standardchartered.co.in/personal/credit-cards/en/business-card.html
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    Hio` Rexmr`~ Nmr`

    @ebcp ! Vrevmc` Nmr`~

    @ebcp Nmr`~

    ^liv ^dmrp Nmr`

    Vompckud @ebcp Nmr`

    Vou~ E|pek`e` Vripenpcik Vomk

    Vrevmc` Nmr`~

    ^dmrp Prmqeo

    Oimk~ ! Dirphmhe~

    Lide Oimk~

    Oimk Mhmck~p ^enurcpce~

    Lide ^mqer

    Oimk Mhmck~p Perd @evi~cp~

    Oimk Mhmck~p Vriverps

    KRC Bmkjckh KRE Mnniukp KRI ^mqckh~ Mnniukp ANKR Mnniukp

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP22 | V m h e

    http://www.standardchartered.co.in/personal/credit-cards/en/gold-rewards-card.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/debit-landing.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/shopsmart-debitcard.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/platinum-debitcard.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/plus-extended-protection-plan.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/smarttravel-prepaidcard.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loans-landing.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/home-loan.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-security.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/homesaver.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-term-deposit.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-property.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nre-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nro-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/fcnr-account.htmlhttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://www.standardchartered.co.in/personal/credit-cards/en/gold-rewards-card.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/debit-landing.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/shopsmart-debitcard.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/platinum-debitcard.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/plus-extended-protection-plan.htmlhttp://www.standardchartered.co.in/personal/debit-prepaid/en/smarttravel-prepaidcard.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loans-landing.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/home-loan.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-security.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/homesaver.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-term-deposit.htmlhttp://www.standardchartered.co.in/personal/loans-mortgages/en/loan-against-property.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nri-banking-landing.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nre-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/nro-account.htmlhttp://www.standardchartered.co.in/personal/nri-banking/en/fcnr-account.html
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    Mnniukp~ air Repurkckh Ck`cmk~

    E|nou~cqe Bmkjckh

    E|neo Bmkjckh

    Vrcircps Bmkjckh

    Vrcqmpe Bmkjckh

    Ck~urmkne ! Ckqe~pdekp~

    Hekermo Ck~urmkne

    Ocae Ck~urmkne

    Ckqe~pdekp ^erqcne~

    ^PMK@MR@ NLMREPERE@ DUPUMO AUK@

    ^pmk`mr` Nlmrpere` Dupumo Auk` xm~ ~ep uv ik Dmrnl =>/ 2666 ~vik~ire`

    bs ^pmk`mr` Nlmrpere` Bmkj+ Ple Pru~pee c~ ^pmk`mr` Nlmrpere` Pru~pee

    Nidvmks Vqp+ Op`+ ^pmk`mr` Nlmrpere` M~~ep Dmkmhedekp Nidvmks Vqp+

    Op`+ c~ ple MDN xlcnl xm~ cknirvirmpe` xcpl ^EBC ik @enedber 26/ =333+

    CK 266 | V m h e

    http://www.standardchartered.co.in/personal/nri-banking/en/accounts-for-returning-indians.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/excel-banking.htmlhttp://www.standardchartered.com/in/cb/pb/index.htmlhttp://www.privatebank.standardchartered.com/http://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/general-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/life-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/investment-services.htmlhttp://en.wikipedia.org/wiki/Image:Standard_Chartered.svghttp://www.standardchartered.co.in/personal/nri-banking/en/accounts-for-returning-indians.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/exclusive-banking-landing.htmlhttp://www.standardchartered.co.in/personal/exclusive-banking/en/excel-banking.htmlhttp://www.standardchartered.com/in/cb/pb/index.htmlhttp://www.privatebank.standardchartered.com/http://www.standardchartered.co.in/personal/insurance-investments/en/insurance-investment-landing.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/general-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/life-insurance.htmlhttp://www.standardchartered.co.in/personal/insurance-investments/en/investment-services.html
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    ^pmk`mr` Nlmrpere` xcoo nikpckue pi `c~prcbupe dupumo auk`

    vri`unp~ bup xcoo kip dmkmhe auk`~ mk` xiuo` ikos ainu~ ik nik~uder mk`

    nidderncmo bmkjckh+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP20 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    CKPRI@UNPCIK

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP25 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    CKPRI@UNPCIK

    Ple ike ckqe~pdekp qelcnoe plmp lm~ pruos nide ia mhe ck Ck`cm ck ple vm~p

    `enm`e c~ dupumo auk`~+ Pi`ms/ ple dupumo auk` ck`u~prs ck ple niukprs

    dmkmhe~ mriuk` R~ 068/>66 nrire ,M~ ia Dmrnl/ 2663# ia m~~ep~/ m omrhe

    vmrp ia xlcnl nide~ arid repmco ckqe~pir~+ Mk` plc~ mdiukp c~ ckqe~pe` kip

    gu~p ck e}ucpce~/ bup mo~i ck ple ekpcre hmdup ia `ebp ck~prudekp~+ M dupumo

    auk` c~ ple c`emo ckqe~pdekp qelcnoe air pi`ms~ nidvoe| mk` di`erk

    ackmkncmo ~nekmrci+ Dmrjep air e}ucps ~lmre~/ bik`~ mk` ipler ac|e` cknide

    ck~prudekp~/ remo e~pmpe/ `ercqmpcqe~ mk` ipler m~~ep~ lmqe benide dmpure`

    mk` ckairdmpcik `rcqek+ Vrcne nlmkhe~ ik ple~e m~~ep~ mre `rcqek bs hoibmo

    eqekp~ lmvvekckh ck amrmxms vomne~+ M psvcnmo ck`cqc`umo c~ ukocjeos pi lmqe

    ple jkixoe`he/ ~jcoo~ cknockmpcik mk` pcde pi jeev prmnj ia eqekp~/

    uk`er~pmk` plecr cdvocnmpcik mk` mnp ~vee`cos+ Mk ck`cqc`umo mo~i ack`~ cp

    `caacnuop pi jeev prmnj ia lc~ m~~ep~/ ckqe~pdekp/ brijermhe `ue~ mk` bmkj

    prmk~mnpcik epn+

    M dupumo auk` c~ ple mk~xer pi moo ple~e ~cpumpcik~+ Cp mvvickp~ vriae~~cikmoos

    }umocace` mk` e|vercekne` ~pmaa~ plmp dmkmhe emnl ia ple~e auknpcik~ ik auoo

    pcde bm~c~+ Ple omrhe viio ia dikes niooenpe` ck ple auk` mooix~ cp pi lcre

    ~unl ~pmaa mp m qers oix ni~p pi emnl ckqe~pir+ Ck eaaenp/ ple dupumo auk`

    e|voicp~ enikidce~ ia ~nmoe ck moo plree mrem$re~emrnl/ ckqe~pdekp mk`

    prmk~mnpcik vrine~~ckh+ Xlcoe ple niknevp~ ia ck`cqc umo nidckh pihepler pi

    ckqe~p dikes niooenpcqeos mre kip kex/ ple dupumo auk` ck cp~ vre~ekp aird c~

    m 26pl nekpurs vlekidekm+ Ck amnp dupumo auk` hmck~ vivuomrcps ikos maper

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP21 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    ple ^enik` Xiro` Xmr+ Hoibmoos/ plere mre pliu~mk`~ ia

    acrd~ iaaerckh pek~ ia pliu~mk`~ ia dupumo auk`~ xcpl `caaerekp ckqe~pdekp

    ibgenpcqe~+ Pi`ms/ dupumo auk`~ niooenpcqeos dmkmhe modi~p m~ dunl m~ ir

    nidvmre` pi bmkj+

    XLS @I XE KEE@ PI CKQE^P9

    ^mqckh~ aird mk cdvirpmkp vmrp ia ple enikids ia mks kmpcik+ Xcpl ple

    ~mqckh~ ckqe~pe` ck qmrciu~ ivpcik~ mqmcomboe pi ple veivoe/ ple dikes mnp~m~ ple `rcqer air hrixpl ia ple niukprs+ Cp c~ qcpmoos cdvirpmkp ck plc~ nurrekp

    `ms mk` mhe air moo ia u~ pi behck pmjckh nikprio ia iur ackmkncmo ~cpumpcik mk`

    ~pmrp vomkkckh air iur aupure/ mk` ple aupure~ ia iur nlco`rek+ Xe nmk ki

    oikher reos ik ple hiqerkdekp pi lmk` iup mk mhe` vek~cik ikne xe repcre+

    Xe nmkkip pmje air hrmkpe` plmp mp ple ek` ia iur xirjckh ocae xe xcoo be

    pmjek nmre ia ackmkncmoos+ Plere mre aex dmck rem~ik~ pi ckqe~p+

    Xemopl mnnuduompcik7 Plc~ c~ omrheos m amnpir ia ckqe~pdekp

    verairdmkne/ cknou`ckh bipl ~lirp perd verairdmkne ia mk ckqe~pdekp

    mk` oikh perd verairdmkne ia m virpaioci+ Xemopl dmkmhedekp c~ ple

    uopcdmpe dem~ure ia ple ~unne~~ ia mk ckqe~pdekp `enc~cik+

    Pm| Bekeacp~7 Oehcpcdmpe re`unpcik ck ple mdiukp ia pm| vmsmboe c~ mk

    cdvirpmkp vmrp ia ple Ck`cmk v~snle+ Eqers ruvee ~mqe` ck pm|e~ hie~

    pixmr`~ ple xemopl mnnuduompcik+

    ^uvvoedekp Cknide7 Plc~ reaer~ pi dikes `c~prcbupe` mp ckperqmo~

    bs mk ckqe~pdekp/ xlcnl mre u~umoos u~e` bs ple ckqe~pir air deepckh

    rehuomr e|vek~e~+ Cknide kee`~ pek` pi be amcros nik~pmkp benmu~e

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP28 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    ples mre reompe` pi ocae~psoe mk` mre qers xeoo

    uk`er~pii` bs ple ckqe~pir~+

    Ocae Niqer7 Dmks ckqe~pir~ oiij air ckqe~pdekp~ plmp iaaer hii`

    repurk xcpl m`e}umpe ocae niqer pi dmkmhe ple ~cpumpcik ck nm~e ia mks

    eqekpumocpce~+

    Repcredekp7 Dmks ckqe~pir~ ckqe~p air plecr repcredekp+ Ples `ikp

    xmkp pi `evek` uvik ipler air `ms pi `ms e|vek~e~+

    N IKNEVP IA DUPUMO AUK@^

    M Dupumo Auk` c~ m pru~p plmp viio~ ple ~mqckh ia m kudber ia ckqe~pir~ xli

    ~lmre m niddik ackmkncmo himo+ Ple dikes plu~ niooenpe` c~ ckqe~pe` bs ple

    auk` dmkmher ck `caaerekp psve~ ia ~enurcpce~ `evek`ckh uvik ple ibgenpcqe

    ia ple ~nlede+ Ple~e niuo` rmkhe arid ~lmre~ pi `ebekpure~ pi dikes

    dmrjep ck~prudekp+ Ple cknide emrke` plriuhl ple~e ckqe~pdekp~ mk` ple

    nmvcpmo mvvrencmpcik remocwe` bs ple ~nlede c~ ~lmre` bs cp~ ukcp lio`er~ ck

    ple vrivirpcik ia kudber ia ukcp~ ixke` bs pled+ Plu~ m dupumo auk` c~ ple

    di~p ~ucpmboe ckqe~pdekp air ple niddik dmk m~ cp iaaer~ mk ivvirpukcps pi

    ckqe~p ck `cqer~cace`/ vriae~~cikmoos dmkmhe` virpaioci mp m reompcqeos oix

    ni~p+ Mksbi`s xcpl m ~urvou~ ia m~ ocppoe m~ m aex pliu~mk` ruvee~ nmk ckqe~p

    ck Dupumo auk`~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP2< | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    Ple aoix nlmrp beoix

    `e~nrcbe~ brim`os ple xirjckh ia m dupumo auk`7$

    XIRJCKH IA DUPUMO AUK@

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP23 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    ^mqckh~ aird mk cdvirpmkp vmrp ia ple enikids ia mks kmpcik+ Xcpl ~mqckh~

    ckqe~pe` ck qmrciu~ ivpcik~ mqmcomboe pi ple veivoe/ ple dikes mnp~ m~ ple`rcqer air hrixpl ia ple niukprs+ Ck`cmk ackmkncmo ~neke pii vre~ekp~ duopcvoe

    mqekue~ pi ple ckqe~pir~+ Pliuhl nerpmckos kip ple be~p ir `eeve~p ia

    dmrjep~ ck ple xiro / cp lm~ chkcpe` ple hrixpl rmpe ck dupumo auk` ck`u~prs

    pi vriqc`e rem~ikmboe ivpcik~ air mk ir`ckmrs dmk pi ckqe~p lc~ ~mqckh~+

    Ckqe~pdekp himo~ qmrs arid ver~ik pi ver~ik+ Xlcoe ~idebi`s xmkp~

    ~enurcps/ ipler~ dchlp hcqe dire xechlpmhe pi repurk~ moike+ ^idebi`s eo~e

    dchlp xmkp pi vomk air lc~ nlco`~ e`unmpcik xlcoe ~idebi`s dchlp be ~mqckh

    air ple vriqerbcmo rmcks `ms ir eqek ocae maper repcredekp+ Xcpl ibgenpcqe~

    `easckh mks rmkhe/ cp c~ ibqciu~ plmp ple vri`unp~ re}ucre` xcoo qmrs m~ xeoo+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>6 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    LC^PIRS IA PLE CK@CMK DUPUMO AUK@

    Ple Eqioupcik

    Ple dupumo auk` ck`u~prs ck Ck`cm ~pmrpe` ck =31> xcpl ple airdmpcik ia Ukcp

    Pru~p ia Ck`cm/ mp ple ckcpcmpcqe ia ple Hiqerkdekp ia Ck`cm mk` Re~erqe Bmkj

    ia Ck`cm+ Ple lc~pirs ia dupumo auk`~ ck Ck`cm nmk be brim`os `cqc`e` ckpi

    aiur `c~pcknp vlm~e~

    Acr~p Vlm~e =310$ bs mk Mnp ia Vmrocmdekp+ Cp

    xm~ ~ep uv bs ple Re~erqe Bmkj ia Ck`cm mk` auknpcike` uk`er ple

    Rehuompirs mk` m`dckc~prmpcqe nikprio ia ple Re~erqe Bmkj ia Ck`cm+ Ck =38/ m kex erm ~pmrpe` ck ple

    Ck`cmk dupumo auk` ck`u~prs/ hcqckh ple Ck`cmk ckqe~pir~ m xc`er nlicne ia

    auk` amdcoce~+ Mo~i/ =33> xm~ ple semr ck xlcnl ple acr~p Dupumo Auk`

    Rehuompcik~ nmde ckpi beckh/ uk`er xlcnl moo dupumo auk`~/ e|nevp UPC xere

    pi be rehc~pere` mk` hiqerke`+ Ple er~pxlcoe Jiplmrc Vcikeer ,kix derhe`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>2 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    xcpl Armkjock Pedvoepik# xm~ ple acr~p vrcqmpe ~enpir dupumo

    auk` rehc~pere` ck Guos =33>+

    Ple kudber ia dupumo auk` liu~e~ xekp ik cknrem~ckh/ xcpl dmks airechk

    dupumo auk`~ ~eppckh uv auk`~ ck Ck`cm mk` mo~i ple ck`u~prs lm~ xcpke~~e`

    ~eqermo derher~ mk` mn}uc~cpcik~+ M~ mp ple ek` ia Gmkumrs 266>/ plere xere

    >> dupumo auk`~ xcpl pipmo m~~ep~ ia R~+ =/2=/

    Ck Aebrumrs 266>/ aiooixckh ple revemo ia ple Ukcp Pru~p ia Ck`cm Mnp =31>

    UPC xm~ bcaurnmpe` ckpi pxi ~evmrmpe ekpcpce~+ Ike c~ ple ^vencace`

    Uk`erpmjckh ia ple Ukcp Pru~p ia Ck`cm xcpl m~~ep~ uk`er dmkmhedekp ia

    R~+23/5 nrire~ m~ mp ple ek` ia Gmkumrs 266>/ revre~ekpckh brim`os/ ple

    m~~ep~ ia U^ 10 ~nlede/ m~~ure` repurk mk` nerpmck ipler ~nlede~+ Ple

    ^vencace` Uk`erpmjckh ia Ukcp Pru~p ia Ck`cm/ auknpcikckh uk`er mk

    m`dckc~prmpir mk` uk`er ple ruoe~ armde` bs Hiqerkdekp ia Ck`cm mk` `ie~

    kip nide uk`er ple vurqcex ia ple Dupumo Auk` Rehuompcik~+

    Ple ~enik` c~ ple UPC Dupumo Auk`/ ~vik~ire` bs ^BC/ VKB/ BIB mk` OCN+ Cpc~ rehc~pere` xcpl ^EBC mk` auknpcik~ uk`er ple Dupumo Auk` Rehuompcik~+

    Xcpl ple bcaurnmpcik ia ple er~pxlcoe UPC xlcnl lm` ck Dmrnl 2666 dire plmk

    R~+81/666 nrire~ ia m~~ep~ uk`er dmkmhedekp mk` xcpl ple ~eppckh uv ia m

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>> | V m h e

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    UPC Dupumo Auk / nikairdckh pi ple ^EBC Dupumo Auk`

    Rehuompcik~/ mk` xcpl renekp derher~ pmjckh vomne mdikh `caaerekp vrcqmpe

    ~enpir auk`~/ ple dupumo auk` ck`u~prs lm~ ekpere` cp~ nurrekp vlm~e ia

    nik~ioc`mpcik mk` hrixpl+

    Ple hrmvl ck`cnmpe~ ple hrixpl ia m~~ep~ iqer ple semr~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>0 | V m h e

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    Ompe~p Vi~cpcik ia Dupumo Auk`~

    M~~ep~ uk`er dmkmhedekp ,MUD~# ia ple Ck`cmk dupumo auk` ck`u~prs airDms63 lmqe ~ep ple renir` bs vcernckh ple R~ 1 omjl nrire dmrj ikne mhmck+

    Buise` bs m ~lmrv rc~e ck qmoue ia ~pinj~/ ck`u~prs MUD mp ple ek` ia Dms

    gudve` kemros R~ 6% rc~e ck kep m~~ep qmoue~ ia `cqer~cace` e}ucps auk`~ ck plc~

    dikpl/ ple dikes plmp lm~ nide plriuhl oc}uc` auk`~ mo~i bemr~

    ~chkcacnmkne+ Di~p bmkj~ mre mxm~l xcpl oc}uc`cps mk` dmks ia pled mre

    vmrjckh plecr ~urvou~ nm~l xcpl dupumo auk`~ pi hmck `enekp repurk~/"@lcrek`rm Judmr ia Qmoue Re~emrnl/ mk DA prmnjckh acrd ~mc`+

    DA ck`u~prs iaacncmo~ ~mc` plmp Guke dchlp ~ee ~ide re`edvpcik~ jcnjckh m~ cp

    c~ ple ek` ia m }umrper mk` dmks nirvirmpe mre ocjeos pi nm~l iup pi beea uv

    plecr bmomkne ~leep~+ Lixeqer/ xcpl ple ~ekpcdekp air e}ucpce~ lmqckh

    cdvriqe` nik~c`ermbos/ ples e|venp ckqe~pir~ pi ~pcnj ik pi e}ucps ~nlede~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>5 | V m h e

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    IRHMKC^MPCIK IA M DUPUMO AUK@

    Plere mre dmks ekpcpce~ ckqioqe` mk` ple `cmhrmd beoix coou~prmpe~ ple ~prun

    pure ia dupumo auk`~7 $

    ^EBC

    Ple rehuompcik iadupumo auk`~ ivermpckh ck Ck`cm amoo~ uk`er ple vreqcex ia muplircps ia ple

    ^enurcpce~ mk` E|nlmkhe Bimr` ia Ck`cm ,^EBC#+ Mks ver~ik vrivi~ckh

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>1 | V m h e

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    pi ~ep uv m dupumo auk` ck Ck`cm c~ re}ucre` uk`er ple ^EBC

    ,Dupumo Auk`~# Rehuompcik~/ =331 pi be rehc~pere` xcpl ple ^EBC+

    ^VIK^IR

    ^vik~ir c~ `eacke` uk`er ^EBC rehuompcik~ m~ mks ver~ik xli/ mnpckh moike

    ir ck nidbckmpcik xcpl mkipler bi`s nirvirmpe/ e~pmboc~le~ m dupumo auk`+

    Ple ~vik~ir ia m auk` c~ mjck pi ple vridiper ia m nidvmks m~ le hep~ ple

    auk` rehc~pere` xcpl ^EBC+

    Ple ~vik~ir ~liuo` nikprcbupe mp oem~p 06% pi ple kep xirpl ia ple MDN+

    Lixeqer/ ca mks ver~ik lio`~ 06% ir dire ia ple kep xirpl ia mk MDN ~lmoo

    be `eede` pi be m ~vik~ir mk` xcoo be re}ucre` pi auoacoo ple eochcbcocps nrcpercm

    ck ple Dupumo Auk` Rehuompcik~+ Ple ~vik~ir ir mks ia cp~ `crenpir~ ir ple

    vrckncvmo iaacner edvoise` bs ple dupumo auk` ~liuo` kip be hucops ia armu`

    ir hucops ia mks enikidcn iaaekne+

    PRU^PEE^

    Ple dupumo auk` dms be dmkmhe` bs m Bimr` ia Pru~pee~$ m bi`s ia

    ck`cqc`umo~/ ir m Pru~p nidvmks$ nirvirmpe bi`s+ Ple Pru~pee `ie~ kip

    `crenpos dmkmhe ple virpaioci ia ~enurcpce~+ Air plc~ ~vencmoc~p~ auknpcik/ ples

    mvvickp mk M~~ep Dmkmhedekp Nidvmks+

    Ple dupumo auk` c~ re}ucre` pi lmqe mk ck`evek`ekp Bimr` ia Pru~pee~/ c+e+

    pxi plcr` ia ple pru~pee~ ~liuo` be ck`evek`ekp ver~ik~ xli mre kip

    m~~incmpe` xcpl ple ~vik~ir~ ck mks dmkker+ Mk MDN ir mks ia cp~ iaacner~ ir

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>8 | V m h e

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    edvoisee~ mre kip eochcboe pi mnp m~ m pru~pee ia mks dupumo

    auk`+ Ple pru~pee~ mre re~vik~cboe air $ ckper mocm ek~urckh plmp ple MDN

    lm~ moo cp~ ~s~ped~ ck vomne/ moo jes ver~ikkeo/ mu`cpir~/ rehc~prmr epn+ lmqe

    beek mvvickpe` vrcir pi ple omuknl ia mks ~nlede+

    Rchlp~ ia Pru~pee~

    Pru~pee~ mvvickp ple MDN/ ck nik~uopmpcik xcpl ple ~vik~ir mk`

    mnnir`ckh pi ^EBC Rehuompcik~

    Moo Dupumo Auk` ^nlede~ aoimpe` bs ple MDN lmqe pi be mvvriqe` bs

    ple Pru~pee~

    Pru~pee~ nmk ~eej ckairdmpcik arid ple MDN rehmr`ckh ple Ivermpcik~

    mk` nidvocmkne ia ple dupumo auk`+

    Pru~pee~ nmk ~eej rede`cmo mnpcik~ ca ples beoceqe plmp ple nik`unp ia

    ple auk`~ bu~cke~~ c~ kip ck mnnir`mkne xcpl ^EBC Rehuompcik~+ Ck

    nerpmck ~vencacn eqekp~/ ple Pru~pee~ lmqe rchlp pi `c~dc~~ ple MDN/

    xcpl ple mvvriqmo ia ^EBC mk` ck mnnir`mkne xcpl ple rehuompcik~+ Pru~pee~ reqcex mk` ek~ure plmp kep xirpl ia ple MDN c~ mnnir`ckh pi

    ~pcvuompe` kird~/ eqers }umrper

    Ibochmpcik~ ia ple Pru~pee~

    Pru~pee~ du~p ek~ure plmp ple prmk~mnpcik~ ia ple dupumo auk` mre ck

    mnnir`mkne xcpl ple pru~p `ee`

    Pru~pee~ du~p ek~ure plmp ple MDN lm~ ~s~ped~ mk` vrine`ure~ ck

    vomne/ mk` plmp moo ple auk` nik~pcpuekp~ mre mvvickpe`

    Pru~pee~ du~p ek~ure `ue `cochekne ik ple vmrp ia MDN ck ple

    mvvickpdekp ia nik~pcpuekp~ mk` bu~cke~~ m~~incmpe~

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP>< | V m h e

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    MDN ~ nmkkip omuknl m ~nlede xcpliup ple vrcir

    mvvriqmo ia ple pru~pee~

    MDN ~ lmqe pi vriqc`e auoo `epmco~ ia ckqe~pdekp~ bs edvoisee~ mk`

    Bimr` dedber~ ck moo nm~e~ xlere ple ckqe~pdekp e|nee`~ R~+= Omjl

    MDN ~ nmkkip pmje uv mks mnpcqcps plmp c~ ck nikaocnp xcpl ple mnpcqcpce~

    ia ple dupumo auk`

    PRMK^AER MHEKP^

    Ple prmk~aer mhekp c~ nikprmnpe` bs ple MDN mk` c~ re~vik~cboe air

    dmckpmckckh ple rehc~per ia ckqe~pir~ ) ukcp lio er~ mk` eqers `ms

    ~eppoedekp~ ia vurnlm~e~ mk` re`edvpcik ia ukcp~+ Ple rioe ia m prmk~aer

    mhekp c~ pi niooenp `mpm arid `c~prcbupir~ reompckh pi `mcos vurnlm~e~ mk`

    re`edvpcik ia ukcp~+

    NU^PI@CMK^

    Ple dupumo auk` c~ re}ucre`/ uk`er ple Dupumo Auk` Rehuompcik~/ pi

    mvvickp m nu~pi`cmk pi nmrrs iup ple nu~pi`cmo ~erqcne~ air ple ~nlede~ ia

    ple auk`+ Ikos ck~pcpupcik~ xcpl ~ub~pmkpcmo irhmkcwmpcikmo ~prekhpl/ ~erqcne

    nmvmbcocps ck perd~ ia nidvupercwmpcik mk` ipler ckarm~prunpure amncocpce~ mre

    mvvriqe` pi mnp m~ nu~pi`cmk~+ Ple nu~pi cmk du~p be pipmoos `eockje` arid

    ple MDN mk` du~p be rehc~pere` xcpl ^EBC+

    Auknpcik~ ia ple Nu~pi`cmk~

    Re~vik~cboe air ple ~enurcpce~ leo` ck ple dupumo auk`~ virpaioci

    Jeev mk ckqe~pdekp renir` ia ple dupumo auk`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP06 | V m h e

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    Niooenp `cqc`ek`~ mk` ckqe~pdekp vmsdekp~ `ue ik

    ple dupumo auk`~ ckqe~pdekp

    Prmnj nirvirmpe mnpcik~ ocje biku~ c~~ue~/ rchlp iaaer~/ iaaer air

    ~moe/ bus bmnj mk` ivek iaaer~ air mn}uc~cpcik

    UKCP LIO@ER^

    Ples mre ple vmrpce~ pi xlid ple dupumo auk` c~ ~io`+ Ples mre uopcdmpe

    bekeacncmrs ia ple cknide emrke` bs ple dupumo auk`~

    R EHUOMPCKH MHEKNCE^ AIR DUPUMO AUK@

    ^EBC RBC Dckc~prs ia Ackmkne

    Nidvmks Omx Bimr`/ @evmrpdekp ia Nidvmks Maamcr~ mk`

    Rehc~prmr ia Nidvmkce~

    ^pinj E|nlmkhe~ ,Air oc~pe` Dupumo Auk`~#

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP0= | V m h e

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    ^enurcpce~ mk` E|nlmkhe Bimr` ia Ck`cm ,^EBC# $ pleNmvcpmo Dmrjep~ Rehuompir

    ^enurcpce~ mk` E|nlmkhe Bimr` ia Ck`cm ,^EBC# xm~ acr~p e~pmboc~le` ck ple

    semr =3

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    Ple Hiqerkdekp ia Ck`cm nik~pcpupe` ^enurcpce~ mk`

    E|nlmkhe Bimr` ia Ck`cm/ bs mk Mnp ia Vmrocmdekp ck =332/ m~ ple mve|

    rehuompir ia moo ekpcpce~ plmp ecpler rmc~e auk`~ ck ple nmvcpmo dmrjep~ ir

    ckqe~p ck nmvcpmo dmrjep ~enurcpce~ ~unl m~ ~lmre~ mk` `ebekpure~ oc~pe` ik

    ~pinj e|nlmkhe~+ Dupumo auk`~ lmqe ederhe` m~ mk cdvirpmkp ck~pcpupcikmo

    ckqe~pir ck nmvcpmo dmrjep ~enurcpce~+ Lekne ples nide uk`er ple vurqcex ia

    ^EBC+ ^EBC re}ucre~ moo dupumo auk`~ pi be rehc~pere` xcpl pled+ Cp c~~ue~

    huc`eocke~ air moo dupumo auk` ivermpcik~ cknou`ckh xlere ples nmk ckqe~p/

    xlmp ckqe~pdekp ocdcp mk` re~prcnpcik~ du~p be nidvoce` xcpl+ lix ples

    ~liuo` mnniukp air cknide mk` e|vek~e~/ lix ples ~liuo` dmje `c~noi~ure~

    ia ckairdmpcik pi ple ckqe~pir~ mk` hekermoos mnp ck ple ckpere~p ia ckqe~pir

    vripenpcik+

    Ipler ekpcpce~ plmp ^EBC mo~i rehuompe~ mre nidvmkce~ xlek ples c~~ue

    e}ucps ir `ebp/ ~lmre rehc~prmr~+ nu~pi`cmk~/ bmkjer~ ck ple vrcdmrs dmrjep~/

    ~pinj e|nlmkhe~ mk` brijer~ ck ple ~enik`mrs dmrjep~/ mk` airechk mk`

    ck~pcpupcikmo ckqe~pir~ ~unl m~ ACC~/ iaa~lire dupumo auk`~ xcpl `e cnmpe`

    Ck`cmk dupumo auk`~ ir qekpure nmvcpmo ckqe~pir~+

    Re~erqe Bmkj ia Ck`cm$ple Dikes Dmrjep~ Rehuompir

    Re~erqe Bmkj ia Ck`cm c~ ple mve| dikepmrs Ck~pcpupcik ia Ck`cm+ Cp c~ mo~i

    nmooe` m~ ple nekprmo bmkj ia ple niukprs+ Ple bmkj xm~ e~pmboc~le` ik

    Mvrco=/ =3>5 mnnir`ckh pi ple Re~erqe Bmkj ia Ck`cm mnp =3>0+ Cp mnp~ m~ ple

    mve| dikepmrs muplircps ia ple niukprs+ Ple Nekprmo Iaacne ia ple Re~erqeBmkj lm~ beek ck Dudbmc ~ckne cknevpcik+ Ple Nekprmo Iaacne c~ xlere ple

    Hiqerkir ~cp~ mk` c~ xlere viocnce~ mre airduompe`+ Pliuhl irchckmoos

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP0> | V m h e

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    vrcqmpeos ixke`/ ~ckne kmpcikmocwmpcik ck =303/ ple Re~erqe

    Bmkj c~ auoos ixke` bs ple Hiqerkdekp ia Ck`cm+

    Xlmp c~ ple rehuompirs gurc~`cnpcik ia RBC iqer dupumo auk`~9

    RBC c~ ple dikepmrs muplircps mk` ple rehuompir ia ple bmkjckh ~s~ped

    Bmkj ~vik~ire` dupumo auk`~ xere uk`er ple `umo nikprio ia RBC mk`

    ^EBC

    Vre~ekpos RBC c~ ikos ple rehuompir ia ple ~vik~ir~ ia bmkj ~vik~ire`

    dupumo auk`~+ ^EBC c~ ple rehuompir ia moo dupumo auk`~

    Dupumo auk`~ mre maaenpe` bs ple RBC ~pcvuompcik~ ik ~prunpure/

    c~~umkne/ vrcnckh ! prm`ckh ia Hiqp+ ^enurcpce~

    Dckc~prs ia AckmkneRioe ia Dckc~prs ia Ackmkne ck dupumo auk` rehuompcik~

    Ple Dckc~prs ia Ackmkne/ xlcnl c~ nlmrhe` xcpl cdvoedekpckh ple hiqerkdekp

    viocnce~/ uopcdmpeos ~uverqc~e~ bipl RBC mk` ^EBC+ Be~c`e~ beckh ple

    uopcdmpe viocns dmjckh mk` ~uverqc~ckh ekpcps/ ple DA lm` mo~i beek vomsckh

    ple rioe ia mk Mvveoompe Muplircps air mks dmgir `c~vupe~ iqer ^EBC

    huc`eocke~ ik nerpmck ~vencacn nmvcpmo dmrjep reompe` huc`eocke~$ck vmrpcnuomr

    mks nm~e~ ia ck~c`er prm`ckh ir derher~ mk` mn}uc~cpcik~+ ^ckne 266>/

    lixeqer/ m

    ^enurcpce~ Mvveoompe Prcbukmo lm~ beek nrempe` pi vriqc`e ple mve| mvvemo

    denlmkc~d air mks `enc~cik~ pmjek bs ^EBC+ ^MP xirj~ m~ mk ck`evek`ekpgu`cncmo muplircps+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP00 | V m h e

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    Nidvmks Omx Bimr`/ @evmrpdekp ia NidvmksMaamcr~ mk` Rehc~prmr ia Nidvmkce~

    Dupumo auk` M~~ep Dmkmhedekp Nidvmkce~ mk` nirvirmpe pru~pee~ mre

    nidvmkce~ rehc~pere` uk`er ple Nidvmkce~ Mnp/ =351mk` mre plereaire

    mk~xermboe pi rehuompirs muplircpce~ edvixere` bs ple Nidvmkce~ Mnp+

    Ple vrcdmrs oehmo ckperamne air moo nidvmkce~ c~ ple Rehc~prmr ia Nidvmkce~

    ,RiN#+ Rin~/ ck purk/ mre ~uverqc~e` bs ple @evmrpdekp ia Nidvmks Maamcr~+

    Ple @NM aird~ vmrp ia ple Nidvmks Omx Bimr`/ xlcnl c~ vmrp ia ple Dckc~prs

    ia Omx mk` Gu~pcne ia ple Hiqp+ ia Ck`cm+Ple RiN ek~ure~ plmp ple MDN/ ir

    ple pru~pee nidvmks m~ ple nm~e dms be/ c~ ck nidvocmkne xcpl moo vriqc~cik~

    ia ple Nidvmkce~ Mnp+ Moo MDN mnniukp~ mk` renir`~ mre acoe` xcpl ple RiN/

    xli dms `edmk` m``cpcikmo/ ckairdmpcikmo mk` `inudekp~ arid nidvmks+

    Ple RiN dikcpir~ rehuompirs nidvocmkne bs nidvmkce~+

    ^pinj E|nlmkhe~^pinj e|nlmkhe~ mre ~eoa$rehuompirs irhmkcwmpcik~ ~uverqc~e` bs ^EBC+ Dmks

    noi~e`$ek` ~nlede~ ia dupumo auk`~ mre oc~pe` ik ike ir dire ~pinj

    e|nlmkhe~+ ^unl ~nlede~ mre ~ubgenp pi rehuompcik bs ple niknerke` ~pinj

    e|nlmkhe plriuhl m oc~pckh mhreedekp bepxeek ple auk` mk` ple ~pinj

    e|nlmkhe+ Ruoe~ ia ple ~pinj e|nlmkhe mk` vriqc~cik~ ia ple Nidvmkce~ Mnp

    Xiuo` hekermoos huc`e prm`ckh/ noemrckh prmk~aer mk` ~eppoedekp ia ple

    busckh mk` ~eoockh ia dupumo auk` ukcp~ ck ple dmrjep~+ Auk`~ ir MDN~ `i

    kip hep `crenpos ckqioqe` xcpl vurnlm~e~ mk` ~moe~/ ia ukcp~ ia ~unl oc~pe`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP05 | V m h e

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    LIX CKQE^PIR EMRK ARID DUPUMO

    AUK@

    Ckqe~pir~ emrk arid m Dupumo Auk` ck plree xms~7

    =+ Cknide c~ emrke` arid `cqc ek`~ `enomre` bs dupumo auk` ~nlede~

    arid pcde pi pcde+

    2+ Ca ple auk` ~eoo~ ~enurcpce~ plmp lmqe cknrem~e` ck vrcne/ ple auk` lm~ m

    nmvcpmo hmck+ Plc~ c~ reaoenpe` ck ple vrcne ia emnl ukcp+ Xlek ckqe~pir~

    ~eoo ple~e ukcp~ mp vrcne~ lchler plmk plecr vurnlm~e vrcne/ ples ~pmk`

    pi dmje m hmck+

    >+ Ca auk` lio`ckh~ cknrem~e ck vrcne bup mre kip ~io bs ple auk`

    dmkmher/ ple auk`(~ ukcp vrcne cknrem~e~+ Siu nmk plek ~eoo siur

    dupumo auk` ukcp~ air m vriacp+ Plc~ c~ pmkpmdiukp pi m qmoumpcik hmck+

    PSVE^ IA DUPUMO AUK@^

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP08 | V m h e

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    M xc`e qmrceps ia Dupumo Auk` ^nlede~ e|c~p pi nmper pi ple

    kee`~ ~unl m~ ackmkncmo vi~cpcik/ rc~j pioermkne mk` repurk e|venpmpcik~ epn+

    Ple pmboe beoix hcqe~ mk iqerqcex ckpi ple e|c~pckh psve~ ia ~nlede~ ck ple

    Ck`u~prs+

    Bs ~prunpure7

    m# ivek$ek`e` ~nlede~

    b# noi~e$ek`e` ~nlede~

    n# Ckperqmo Auk`~

    Bs Ckqe~pdekp ibgenpcqe7

    m# Hrixpl ) E}ucps Ircekpe` ^nlede~

    =# Ck`e| auk`~

    2# @cqer~cace` auk`~

    ># ^enpir auk`~

    m# Pm|$~mqckh auk`~

    b# Cknide ) @ebp Ircekpe` ^nlede

    n# Hcop auk`~

    `# Dikes Dmrjep ir Oc}uc` Auk`~

    e# Bmomkne` Auk`

    a# Oim` ir ki$oim` Auk`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP0< | V m h e

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    Bs C kqe~pdekp ibgenpcqe7

    M ~nlede nmk mo~i be nom~~cace` m~ hrixpl ~nlede/ cknide ~nlede/ ir

    bmomkne` ~nlede nik~c`erckh cp~ ckqe~pdekp ibgenpcqe+ ^unl ~nlede~ dms

    be ivek$ek`e` ir noi~e$ek`e` ~nlede~ m~ `e~nrcbe` emrocer+ ^unl ~nlede~

    dms be nom~~cace` dmckos m~ aiooix~7

    m# Hrixpl ) E}ucps Ircekpe` ^nlede~

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP56 | V m h e

    DIKES DMRJEP@EBPE]UCPS

    Dikes

    Dmrjep

    Dupumo auk`

    Ac|e`

    Cknide

    Auk`

    Hcop Auk`

    @cqer~cace`

    Auk`

    Ck`e| Auk`

    ^enpirAuk`

    Oc}uc`

    Auk`

    Bmomkne

    Auk`

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    Ple mcd ia hrixpl auk`~ c~ pi vriqc`e nmvcpmo mvvrencmpcik

    iqer ple de`cud pi oikh$ perd+ ^unl ~nlede~ kirdmoos ckqe~p m dmgir vmrp

    ia plecr nirvu~ ck e}ucpce~+ ^unl auk`~ lmqe nidvmrmpcqeos lchl rc~j~+ Ple~e

    ~nlede~ vriqc`e `caaerekp ivpcik~ pi ple ckqe~pir~ ocje `cqc`ek` ivpcik/

    nmvcpmo mvvrencmpcik/ epn+ mk` ple ckqe~pir~ dms nlii~e mk ivpcik `evek`ckh

    ik plecr vreaerekne~+

    Ple ckqe~pir~ du~p ck`cnmpe ple ivpcik ck ple mvvocnmpcik aird+ Ple dupumo

    auk`~ mo~i mooix ple ckqe~pir~ pi nlmkhe ple ivpcik~ mp m omper `mpe+ Hrixpl

    ~nlede~ mre hii` air ckqe~pir~ lmqckh m oikh$perd iupoiij ~eejckh

    mvvrencmpcik iqer m verci` ia pcde+

    E}ucps auk`~

    M~ e|vomcke` emrocer/ ~unl auk`~ ckqe~p ikos ck ~pinj~/ ple rc~jce~p ia m~~ep

    nom~~e~+ Xcpl ~lmre vrcne~ aounpumpckh `mcos/ ~unl auk`~ ~lix qiompcoe

    verairdmkne/ eqek oi~~e~+ Lixeqer/ ple~e auk`~ nmk sceo` hremp nmvcpmo

    mvvrencmpcik m~/ lc~pircnmoos/ e}ucpce~ lmqe iupverairde` moo m~~ep nom~~e~+ Mp

    vre~ekp/ plere mre plree psve~ ia e}ucps auk`~ mqmcomboe ck ple

    dmrjep ple~e mre7

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP5= | V m h e

    E}ucps Auk`~

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    =# Ck`e| auk`~

    Ple~e auk`~ ckqe~p ck ple ~mde vmpperk m~ vivuomr dmrjep ck`cne~ ocje ^!V

    NK\ Kcaps ir NK\ Dc`nmv 266+ Ple dikes niooenpe` arid ple ckqe~pir~ c~

    ckqe~pe` ikos ck ple ~pinj~/ xlcnl revre~ekp~ ple ck`e|+ Air e|mdvoe m Kcaps

    auk` xcoo ckqe~p ikos ck ple Kcaps 56 ~pinj~+ Ple ibgenpcqe ia ~unl auk`~ c~ kip

    pi bemp ple dmrjep bup pi hcqe m repurk e}ucqmoekp pi ple dmrjep repurk~+

    2# @cqer~cace` auk`~

    ^unl auk`~ lmqe ple dmk`mpe pi ckqe~p ck ple ekpcre ukcqer~e ia ~pinj~+Mopliuhl bs `eackcpcik/ ~unl auk`~ mre demkp pi lmqe m `cqer~cace` virpaioci

    ,~vrem` mnri~~ ck`u~prce~ mk` nidvmkce~#/ ple ~pinj ~eoenpcik c~ ekpcreos ple

    vrerihmpcqe ia ple auk` dmkmher+ Ple~e auk`~ mre hekermoos demkp air rc~j$

    mqer~e ckqe~pir~ xli xmkp m `cqer~cace` virpaioci mnri~~ ~enpir~+

    ># ^enpir Auk`~

    Ple rc~jce~p mdikh e}ucps auk`~/ ~enpir auk`~ ckqe~p ikos ck ~pinj~ ia m

    ~vencacn ck`u~prs/ ~ms CP ir ADNH+ M ~enpir auk`~ KMQ xcoo wiid ca ple ~enpir

    veraird~ xeoo: lixeqer/ ca ple ~enpir omkhuc~le~/ ple ~nlede~ KMQ pii xcoo

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP52 | V m h e

    ^enpir

    Auk`~

    Ck`e|

    Auk`~

    @cqer~cace

    ` Auk`~

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    ~pms `evre~~e`+ Ple~e auk`~ mre pmrhepe` mp ckqe~pir~ xli

    mre buooc~l ir amkns ple vri~venp~ ia m vmrpcnuomr ~enpir+

    m# Pm|$~mqckh Auk`~

    Mo~i jkixk m~ EO^^ ir e}ucps$ockje` ~mqckh~ ~nlede~/ ple~e auk`~ iaaer

    bekeacp~ uk`er ^enpcik

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    Ca ple ckpere~p rmpe~ amoo/ KMQ~ ia ~unl auk`~ mre ocjeos pi

    cknrem~e ck ple ~lirp ruk mk` qcne qer~m+ Lixeqer/ oikh perd ckqe~pir~ dms

    kip bipler mbiup ple~e aounpumpcik~+

    n# Hcop auk`~

    Ple~e auk`~ ckqe~p ck Nekprmo mk` ^pmpe Hiqerkdekp ~enurcpce~+ ^ckne ples

    mre Hiqerkdekp bmnje` bik`~ ples hcqe m ~enure` repurk mk` mo~i ek~ure

    ~maeps ia vrckncvmo mdiukp+ Ples mre be~p ~ucpe` air ple de`cud pi oikh$

    perd ckqe~pir~+

    Ples ckqe~p ikos ck hiqerkdekp ~enurcpce~ mk` P$bcoo~ck~prudekp~ ik xlcnl

    revmsdekp ia vrckncvmo mk` verci`cn vmsdekp ia ckpere~p c~ m~~ure` bs ple

    hiqerkdekp+ Plc~ eoedekp ia ~maeps c~ xls/ ck kirdmo dmrjep nik`cpcik~/ hcop

    auk`~ pek` pi hcqe dmrhckmoos oixer repurk~ plmk cknide auk`~+

    `# Dikes Dmrjep ir Oc}uc` Auk`~

    Ple~e auk`~ ckqe~p ck lchlos oc}uc` dikes dmrjep ck~prudekp~ ,`urmpcik ia

    uv pi ike semr# ~unl m~ prem~urs bcoo~/ nmoo dikes/ NV~ mk` N@~+ Ples

    vriqc`e em~s oc}uc`cps+ Ples ederhe` m~ mk moperkmpcqe air ~mqckh mk` ~lirp$

    perd ac|e` `evi~cp mnniukp xcpl nidvmrmpcqeos lchler repurk~+ Ple~e auk`~

    mre c`emo air nirvirmpe/ ck~pcpupcikmo ckqe~pir~ mk` bu~cke~~ liu~e~ plmpckqe~p plecr auk`~ air qers ~lirp verci`~+

    e# Bmomkne` Auk`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP50 | V m h e

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    Ple mcd ia bmomkne` auk`~ c~ pi vriqc`e bipl hrixpl mk`

    rehuomr cknide m~ ~unl ~nlede~ ckqe~p bipl ck e}ucpce~ mk` ac|e` cknide

    ~enurcpce~ ck ple vrivirpcik ck`cnmpe` ck plecr iaaer `inudekp~+ Ple~e mre

    mvvrivrcmpe air ckqe~pir~ oiijckh air di`ermpe hrixpl+ Ples hekermoos ckqe~p

    06$16% ck e}ucps mk` `ebp ck~prudekp~+ Ple~e auk`~ mre mo~i maaenpe`

    benmu~e ia aounpumpcik~ ck ~lmre vrcne~ ck ple ~pinj dmrjep~+ Lixeqer/ KMQ~

    ia ~unl auk`~ mre ocjeos pi be oe~~ qiompcoe nidvmre` pi vure e}ucps auk`~+

    M~ ple kmde ~uhhe~p~/ bmomkne` auk`~ lmqe mk e|vi~ure pi bipl e}ucps mk`

    `ebp ck~prudekp~+ Ples ckqe~p ck m vre$`eperdcke` vrivirpcik ck e}ucps mk`

    `ebpkirdmoos 16706 ck amqiur ia e}ucps+ Ik ple rc~j om``er/ ples amoo

    ~idexlere bepxeek e}ucps mk` `ebp auk`~/ `evek`ckh ik ple auk`~ `ebp$

    e}ucps ~vcopple lchler ple e}ucps lio`ckh/ ple lchler ple rc~j+ Plereaire/

    ples mre m hii` ivpcik air Ckqe~pir~ xli xiuo` ocje hremper repurk~ plmk

    arid vure `ebp/ mk` mre xcoockh pi pmje ik ocppoe dire rc~j ck ple vrine~~+

    a# Oim` ir ki$oim` Auk`M Oim` Auk` c~ ike plmp nlmrhe~ m vernekpmhe ia KMQ air ekprs ir e|cp+ Plmp

    c~/ emnl pcde ike bus~ ir ~eoo~ ukcp~ ck ple auk`/ m nlmrhe xcoo be vmsmboe+

    Plc~ nlmrhe c~ u~e` bs ple dupumo auk` air dmrjepckh mk` `c~prcbupcik

    e|vek~e~+ ^uvvi~e ple KMQ ver ukcp c~ R~+=6+ Ca ple ekprs m~ xeoo m~ e|cp

    oim` nlmrhe` c~ =%/ plek ple ckqe~pir~ xli bus xiuo` be re}ucre` pi vms

    R~+=6+=6 mk` pli~e xli iaaer plecr ukcp~ air revurnlm~e pi ple dupumo auk`

    xcoo hep ikos R~+3+36 ver ukcp+ Ple ckqe~pir~ ~liuo` pmje ple oim`~ ckpi

    nik~c`ermpcik xlcoe dmjckh ckqe~pdekp m~ ple~e maaenp plecr sceo`~)repurk~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP55 | V m h e

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    Lixeqer/ ple ckqe~pir~ ~liuo` mo~i nik~c`er ple verairdmkne

    prmnj renir` mk` ~erqcne ~pmk`mr`~ ia ple dupumo auk` xlcnl mre dire

    cdvirpmkp+ Eaacncekp auk`~ dms hcqe lchler repurk~ ck ~vcpe ia oim`~+

    M ki$oim` auk` c~ ike plmp `ie~ kip nlmrhe air ekprs ir e|cp+ Cp demk~ ple

    ckqe~pir~ nmk ekper ple auk`)~nlede mp KMQ mk` ki m``cpcikmo nlmrhe~ mre

    vmsmboe ik vurnlm~e ir ~moe ia ukcp~+

    RC^J Q)^+ REPURK

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP51 | V m h e

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    CKQE^PDEKP ^PRMPEHCE^

    =+ ^s~pedmpcn Ckqe~pdekp Vomk7

    Mk ^CV c~ m depli` ia ckqe~pckh m ac|e` ~ud/ ik m rehuomr bm~c~/ ck m Dupumo

    Auk` ~nlede+ Cp c~ ~cdcomr pi rehuomr ~mqckh ~nlede~ ocje m renurrckh

    `evi~cp+ M ^CV mooix~ ike pi bus ukcp~ ik m hcqek `mpe emnl dikpl/ ~i plmp

    ike nmk cdvoedekp m ~mqckh vomk air pled~eoqe~+ M ^CV nmk be ~pmrpe` xcpl

    m~ ~dmoo m~ R~+ 566 ver dikpl ck EO^^ ~nlede~ pi R~+ =66 ver dikpl ck

    `cqer~cace` e}ucps ~nlede~+

    2+ ^s~pedmpcn Prmk~aer Vomk7

    ^s~pedmpcn Prmk~aer Vomk ,^PV# c~ m amncocps xlereck ukcp lio`er~ ia`e~chkmpe` ivek$ek`e` ~nlede~ ia m Dupumo Auk` nmk ivp pi prmk~aer m ac|e`

    mdiukp ir nmvcpmo mvvrencmpe` mdiukp ,qmrcmboe mdiukp# mp rehuomr ckperqmo~

    pi mkipler `e~chkmpe` ivek$ek`e` ~nlede~ ia plmp Dupumo Auk`+

    >+ ^s~pedmpcn Xcpl`rmxmo Vomk7

    Ple ^s~pedmpcn Xcpl`rmxmo Vomk mooix~ ple ckqe~pir ple amncocps pi xcpl`rmx

    vre$`eperdcke` mdiukp)ukcp~ arid lc~ auk` mp m vre$`eperdcke` ckperqmo+

    Ple ckqe~pir~ ukcp~ xcoo be re`eede` mp ple mvvocnmboe KMQ m~ ik plmp `ms+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP58 | V m h e

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    BEKEACP^ IA DUPUMO AUK@^

    ^EBC Rediqe~ Ekprs Oim` air Dupumo Auk`~

    Ple ekprs oim` nlmrhe` bs auk` liu~e~ lm~ beek mbioc~le` bs ple ^enurcpce~

    mk` E|nlmkhe Bimr` ia Ck`cm ,^EBC#+ M~ ver ple `enc~cik `c~prcbupir~ xcoo

    kix lmqe pi `c~noi~e plecr niddc~~cik air ple ~nlede~+ Plc~ `enc~cik hcqe~

    ple ckqe~pir~ ple ck`evek`ekne pi `enc`e ik ple niddc~~cik vmsmboe pi ple

    `c~prcbupir~+ Ple mb~ekne ia ekprs oim` mk` ple ckpri`unpcik ia ple vreqmoekp

    prmco niddc~~cik ~prunpure niuo` oem` pi m ~lcap ia ainu~ arid kex auk`

    iaaerckh~ pi e|c~pckh dupumo auk` ~nlede~+ Cp c~ e|venpe` pi lmqe m dmgir

    cdvmnp ik ple ~moe~ ia ple dupumo auk`~ ck ple ~lirp perd+ Ple `enc~cik c~

    mo~i e|venpe` pi ck~pcoo prmk~vmrekns mk` vreqekp dc~$~eoockh bs ple

    `c~prcbupir~+ Lixeqer ik ple aocv ~c`e cp c~ nik~c`ere` plmp ple rediqmo ia ple

    uvarikp niddc~~cik pi ple ckqe~pir~ xcoo cdvmnp ple dmrjepckh ia ple dupumo

    auk`~ ck ple ~dmooer pixk~+

    Vriae~~cikmo DmkmhedekpDupumo Auk`~ vriqc`e ple ~erqcne~ ia e|vercekne` mk` ~jcooe` vriae~~cikmo~/

    bmnje` bs m `e`cnmpe` ckqe~pdekp re~emrnl pemd plmp mkmos~e~ ple

    verairdmkne mk` vri~venp~ ia nidvmkce~ mk` ~eoenp~ ~ucpmboe ckqe~pdekp~ pi

    mnlceqe ple ibgenpcqe~ ia ple ~nlede+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP5< | V m h e

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    @cqer~cacnmpcikDupumo Auk`~ ckqe~p ck m kudber ia nidvmkce~ mnri~~ m brim` nri~~$~enpcik

    ia ck`u~prce~ mk` ~enpir~+ Plc~ `cqer~cacnmpcik re`une~ ple rc~j benmu~e

    ~eo`id `i moo ~pinj~ `enocke mp ple ~mde pcde mk` ck ple ~mde vrivirpcik+

    Siu mnlceqe plc~ `cqer~cacnmpcik plriuhl m Dupumo Auk` xcpl amr oe~~ dikes

    plmk siu nmk `i ik siur ixk+

    Nikqekcekp M`dckc~prmpcikCkqe~pckh ck m Dupumo Auk` re`une~ vmverxirj mk` leov~ siu mqic` dmks

    vriboed~ ~unl m~ bm` `eocqerce~/ `eomse` vmsdekp~ mk` aiooix uv xcpl

    brijer~ mk` nidvmkce~+ Dupumo Auk`~ ~mqe siur pcde mk` dmje ckqe~pckh

    em~s mk` nikqekcekp+

    Repurk VipekpcmoIqer m de`cud pi oikh$perd/ Dupumo Auk`~ lmqe ple vipekpcmo pi vriqc`e m

    lchler repurk m~ ples ckqe~p ck m `cqer~cace` bm~jep ia ~eoenpe` ~enurcpce~+

    Oix Ni~p~Dupumo Auk`~ mre m reompcqeos oe~~ e|vek~cqe xms pi ckqe~p nidvmre` pi

    `crenpos ckqe~pckh ck ple nmvcpmo dmrjep~ benmu~e ple bekeacp~ ia ~nmoe ck

    brijermhe/ nu~pi`cmo mk` ipler aee~ prmk~ompe ckpi oixer ni~p~ air ckqe~pir~+

    Oc}uc`cpsCk ivek$ek` ~nlede~/ ple ckqe~pir hep~ ple dikes bmnj vridvpos mp kep

    m~~ep qmoue reompe` vrcne~ arid ple Dupumo Auk`+ Ck noi~e`$ek` ~nlede~/ pleukcp~ nmk be ~io` ik m ~pinj e|nlmkhe mp ple vreqmcockh dmrjep vrcne ir ple

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP53 | V m h e

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    ckqe~pir nmk mqmco ia ple amncocps ia `crenp revurnlm~e mp KMQ

    reompe` vrcne~ bs ple Dupumo Auk`+

    Prmk~vmreknsCkqe~pir hep rehuomr ckairdmpcik ik ple qmoue ia siur ckqe~pdekp ck m``cpcik

    pi `c~noi~ure ik ple ~vencacn ckqe~pdekp~ dm`e bs siur ~nlede/ ple

    vrivirpcik ckqe~pe` ck emnl nom~~ ia m~~ep~ mk` ple auk` dmkmher(~

    ckqe~pdekp ~prmpehs mk` iupoiij+

    Aoe|cbcocpsPlriuhl aempure~ ~unl m~ rehuomr ckqe~pdekp vomk~/ rehuomr xcpl`rmxmo vomk~

    mk` `cqc`ek` reckqe~pdekp vomk~/ siu nmk ~s~pedmpcnmoos ckqe~p ir xcpl`rmx

    auk`~ mnnir`ckh pi siur kee`~ mk` nikqekcekne+

    Maair`mbcocpsCkqe~pir~ ck cqc umoos dms omnj ~uaacncekp auk`~ pi ckqe~p ck lchl$hrm`e

    ~pinj~+ M dupumo auk` benmu~e ia cp~ omrhe nirvu~ mooix~ eqek m ~dmoo

    ckqe~pir pi pmje ple bekeacp ia cp~ ckqe~pdekp ~prmpehs+ Nlicne~ ia dupumo

    auk`~ iaaer m amdcos ia ~nlede pi ~ucp siur qmrsckh kee` ia mk ck`cqc`umo

    iqer m ocaepcde+

    Xeoo Rehuompe`Moo Dupumo Auk`~ mre rehc~pere` xcpl ^EBC mk` ples auknpcik xcplck ple

    vriqc~cik~ ia ~prcnp rehuompcik~ `e~chke` pi vripenp ple ckpere~p~ ia ckqe~pir~+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP16 | V m h e

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    Ple ivermpcik~ ia Dupumo Auk`~ mre rehuomros dikcpire` bs

    ^EBC+

    VERAIRDMKNE EQMOUMPCIK

    VMRMDEPER^ IA DUPUMO AUK@ EQMOUMPCIK7

    Rc~j Repurk~ Oc}uc`cps E|vek~e Rmpci Nidvi~cpcik ia Virpaioci

    Rc~j~ M~~incmpe` Xcpl Dupumo Auk`~Ckqe~pckh ck dupumo auk`~ m~ xcpl mks ~enurcps/ `ie~ kip nide xcpliup rc~j+

    Ike ia ple di~p bm~cn enikidcn vrckncvoe~ c~ plmp rc~j mk` rexmr` mre

    `crenpos nirreompe`+ Ck ipler xir`~/ ple hremper ple vipekpcmo rc~j/ ple hremper

    ple vipekpcmo repurk+ Ple psve~ ia rc~j niddikos m~~incmpe` xcpl dupumo

    auk`~ mre7

    Ckpere~p Rmpe Rc~j

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP1= | V m h e

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    Oep(~ ~ms siu `enc`e pi bus m nmr+ Siu nmk bus m brmk`$kex

    nmr uk`er auoo xmrrmkps+ Ir siu nmk bus m u~e` nmr xcpl ki xmrrmkps+ Siur

    nlicne xcoo `evek` ik m qmrceps ia amnpir~/ ocje lix dunl dikes siu xmkp pi

    ~vek`/ xlcnl aempure~ siu xmkp/ lix denlmkcnmo siu mre/ mk`/ ia niur~e/

    siur rc~j pioermkne+ M~ siu re~emrnl `caaerekp qelcnoe~/ siu(oo ack` plmp ~ide

    dmje~ mk` di`eo~ lmqe bepper verairdmkne mk` revmcr lc~pirce~ plmk

    ipler~+

    Bup xlcnleqer nmr siu nli~e/ siu xcoo amne nerpmck rc~j~ ik ple rim` xlcnl

    lmqe kiplckh pi `i xcpl ple nmr cp~eoa/ bup xlcnl nmk ~chkcacnmkpos cdvmnp

    siur `rcqckh e|vercekne $ cknou`ckh ple xempler/ rim` nik`cpcik~/ eqek

    mkcdmo~

    nri~~ckh ple lchlxms mp kchlp+ Xlcoe ple~e amnpir~ dms be iup ia siur

    nikprio/ beckh mxmre ia pled nmk leov vrevmre siu pi kmqchmpe pled

    ~unne~~auoos+

    Ckaompcik Rc~j

    Cp c~ ple rc~j plmp hekermo cknrem~e~ ck vrcne~ ia hii`~ mk` ~erqcne~ xcoo

    re`une ple qmoue ia dikes/ mk` ocjeos kehmpcqeos cdvmnp ple qmoue ia

    ckqe~pdekp~+

    Air ck~pmkne/

    Oep~ ~ms ple vrcne ia m Pem cknrem~e~ arid R~+26 pi R~+06+ Ck ple

    vm~p/ R~+06 xiuo` bus pxi vmnj ia brem` bup kix R~+06 nmk bus

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP1> | V m h e

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    ikos ike vmnj ia Pem/ re~uopckh ck m `enocke ck vurnlm~ckh vixer ia

    dikes+

    Ckaompcik re`une~ ple vurnlm~ckh vixer ia dikes mk` plereaire lm~ m

    kehmpcqe cdvmnp ik ckqe~pdekp~ bs re`unckh plecr qmoue+ Plc~ rc~j c~ mo~i

    reaerre` pi m~ Vurnlm~ckh Vixer Rc~j+ Ckaompcik mk` Ckpere~p Rmpe rc~j~ mre

    noi~eos reompe` m~ ckpere~p rmpe~ hekermoos hi uv xcpl ckaompcik+ Pi jeev vmne

    xcpl ckaompcik mk` nidvek~mpe air oi~~ ia vurnlm~ckh vixer/ oek`er~ xcoo

    `edmk` cknrem~e` ckpere~p rmpe~+

    Lixeqer/ ike ~liuo` kipe plmp ckaompcik nmk be nsnocnmo+ @urckh verci`~ ia

    oix ckaompcik/ kex bik`~ xcoo ocjeos iaaer oixer ckpere~p rmpe~+ @urckh ~unl

    pcde~/ ckqe~pir~ oiijckh ikos mp niuvik rmpe~ dms be mpprmnpe` pi ckqe~pckh

    ck oix$hrm`e gukj bik`~ nmrrsckh niuvik rmpe~ ~cdcomr pi ple ike~ plmp xere

    iaaere` bs ir`ckmrs bik`~ `urckh ckaompcik verci`+ Ckqe~pir~ ~liuo` be mxmre

    plmp

    ~unl oix$hrm`e bik`~/ xlcoe ples dms pi m nerpmck e|pekp nidvek~mpe air

    ple oix ckaompcik/ bemr dunl lchler rc~j~+

    Viocpcnmo Rc~jNlmkhe~ ck ple pm| omx~/ prm`e rehuompcik~/ m`dckc~pere` vrcne~ epn+ c~ ~ide

    ia ple dmks viocpcnmo amnpir~ plmp nrempe dmrjep rc~j+ Mopliuhl niooenpcqeos/

    m~ ncpcwek~/ xe lmqe ck`crenp nikprio plriuhl ple vixer ia iur qipe/

    ck`cqc`umoos m~ ckqe~pir~/ xe lmqe qcrpumoos ki nikprio+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP10 | V m h e

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    Bu~cke~~ Rc~jBu~cke~~ Rc~j c~ ple uknerpmckps niknerkckh ple aupure e|c~pekne/ ~pmbcocps

    mk` vriacpmbcocps ia ple c~~uer ia ple ~enurcps+ Bu~cke~~ Rc~j c~ cklerekp ck moo

    bu~cke~~ qekpure~+ Ple aupure ackmkncmo ~pmbcocps ia m nidvmks nmkkip be

    vre`cnpe` ir humrmkpee`/ kir nmk ple vrcne ia cp~ ~enurcpce~+ M`qer~e nlmkhe~

    ck bu~cke~~ ncrnud~pmkne~ xcoo re`une ple dmrjep vrcne ia ple nidvmks~

    e}ucps re~uopckh ck vrivirpcikmpe amoo ck ple KMQ ia dupumo auk` ~nlede/

    xlcnl lm~ ckqe~pe` ck ple e}ucps ia ~unl m nidvmks+

    Enikidcn Rc~j

    Enikidcn Rc~j ckqioqe~ uknerpmckps ck ple enikids/ xlcnl/ ck purk nmk lmqe

    mk m`qer~e eaaenp ik m nidvmks~ bu~cke~~+ Air ck~pmkne/ ca dik~iik~ amoo ck

    m semr/ e}ucps ~pinj~ ia mhrcnuopure bm~e~ nidvmkce~ xcoo amoo mk` KMQ~ ia

    dupumo auk`~/ xlcnl lmqe ckqe~pe` ck ~unl ~pinj~/ xcoo amoo vrivirpcikmpeos+

    Plere mre > `caaerekp depli`~ xcpl ple leov ia xlcnl xe nmk dem~ure ple

    rc~j+

    D EPLI@^ IA DEM^URCKH RC^J

    ^pmk`mr` @eqcmpcik,^@#

    ^@ dem~ure~ ple aounpumpcik~ ia m auk`~ repurk mriuk` demk oeqeo+ ^@

    bm~cnmoos hcqe~ siu mk c`em ia lix qiompcoe ple emrkckh mre+ ^@ nmk be

    nidvupe` air bipl e}ucps mk` `ebp auk`+ ^@~ ia `caaerekp auk` nmk be

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP15 | V m h e

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    Repurk~ lmqe pi be ~pu`ce` moikh xcpl ple rc~j+ M auk` niuo` lmqe emrke`

    lchler repurk plmk ple beknldmrj+ Bup ~unl lchler repurk dms be

    mnnidvmkce` bs lchl rc~j+ Plereaire/ xe lmqe pi nidvmre auk`~ xcpl ple

    beknldmrj~/ ik m rc~j m`gu~pe` bm~c~+ Xcoocmd ^lmrve nrempe` m deprcn air

    auk` verairdmkne/ xlcnl ekmboe~ ple rmkjckh ia auk`~ ik m rc~j m`gu~pe`

    bm~c~+

    ^lmrve rmpci

    Ple ^lmrve rmpci peoo~ u~ xlepler m virpaioci(~ repurk~ mre `ue pi

    ~dmrp ckqe~pdekp `enc~cik~ ir m re~uop ia e|ne~~ rc~j+ Plc~

    dem~uredekp c~ qers u~eauo benmu~e mopliuhl ike virpaioci ir auk` nmk

    remv lchler repurk~ plmk cp~ veer~/ cp c~ ikos m hii` ckqe~pdekp ca pli~e

    lchler repurk~ `i kip nide xcpl pii dunl m``cpcikmo rc~j+ Ple hremper

    m virpaioci(~ ^lmrve rmpci/ ple bepper cp~ rc~j$m`gu~pe` verairdmkne lm~

    beek+

    ^lmrve Rmpci 4 Rc~j Vredcud

    Auk`~ ^pmk`mr` @eqcmpcik

    Preskir rmpci

    M rmpci `eqeoive` bs Gmnj Preskir plmp dem~ure~ repurk~ emrke` ck e|ne~~ ia

    plmp xlcnl niuo` lmqe beek emrke` ik m rc~joe~~ ckqe~pdekp ver emnl ukcp ia

    dmrjep rc~j~+ Ck ipler xir`~/ ple Preskir rmpci c~ m rc~j$m`gu~pe` dem~ure

    ia repurk bm~e` ik ~s~pedmpcn rc~j+ Cp c~ ~cdcomr pi ple ^lmrve rmpci/ xcpl ple

    `caaerekne beckh plmp ple Preskir rmpci u~e~ bepm m~ ple dem~uredekp ia

    qiompcocps+ 7

    Preskir Rmpci 4 Rc~j Vredcud

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP18 | V m h e

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    Auk`~ Bepm

    Rc~j Vredcud 4 @caaerekne bepxeek ple Auk`~ Mqermhe repurk mk` Rc~jaree repurk ik hiqerkdekp ~enurcps ir prem~urs bcoo iqer m hcqek verci` +

    OC]UC@CPSDi~p ia ple auk`~ beckh ~io` pi`ms mre ivek$ek`e`+ Plmp c~/ ckqe~pir~ nmk

    ~eoo plecr e|c~pckh ukcp~/ ir bus kex ukcp~/ mp mks vickp ia pcde/ mp vrcne~ plmp

    mre reompe` pi ple KMQ ia ple auk` ik ple `mpe ia ple prmk~mnpcik+ ^ckne

    ckqe~pir~ nikpckuiu~os ekper mk` e|cp auk`~/ auk`~ mre mnpumoos mboe pivriqc`e oc}uc`cps pi ckqe~pir~/ eqek ca ple uk`erosckh dmrjep~/ ck xlcnl ple

    virpaioci c~ ckqe~pe`/ dms kip lmqe ple oc}uc`cps plmp ple ckqe~pir ~eej~+

    E\VEK^E RMPCI

    E|vek~e rmpci c~ `eacke` m~ ple rmpci ia pipmo e|vek~e~ ia ple auk` pi ple

    mqermhe kep m~~ep~ ia ple auk`+ E|vek~e rmpci nmk mnpumoos uk`er~pmpe plepipmo e|vek~e~/ benmu~e brijermhe vmc` ik prmk~mnpcik~ ia m auk` mre kip

    cknou`e` ck ple e|vek~e~+ Mnnir`ckh pi ple nurrekp ^EBC kird~/ brijermhe

    niddc~~cik~ mre nmvcpmocwe` mk` cknou`e` ck ple ni~p ia ple prmk~mnpcik~+

    E|vek~e rmpci 4 Pipmo E|vek~e~Mqermhe Kep M~~ep~

    NIDVI^CPCIK IA PLE VIRPAIOCIKEX @EOLC CK^PCPUPE IA DMKMHEDEKP

    1< | V m h e

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    Nre`cp }umocps ia ple virpaioci c~ dem~ure` bs oiijckh mp ple nre`cp rmpckh~ ia

    ple ckqe~pdekp~ ck ple virpaioci+ Dupumo Auk` amnp ~leep~ ~lix ple

    nidvi~cpcik ia ple virpaioci mk` ple ckqe~pdekp~ ck qmrciu~ m~~ep nom~~e~

    iqer pcde+

    Virpaioci purkiqer rmpe c~ ple rmpci ia oe~~er ia m~~ep vurnlm~e` ir ~io` bs

    auk`~ ck ple dmrjep pi ple kep m~~ep~ ia ple auk`+

    Ca Virpaioci rmpci c~ =66% demk~ virpaioci lm~ beek nlmkhe` auoos+ Xlek

    Virpaioci rmpci c~ lchl demk~ e|vek~e rmpci c~ lchl+

    Virpaioci Rmpci 4 Pipmo ^moe~ ! Vurnlm~eKep M~~ep~ ia auk`

    Xlmp c~ Kep M~~ep Qmoue9

    Ple kep m~~ep qmoue ,KMQ# c~ ple dmrjep qmoue ia ple auk`(~ uk`erosckh

    ~enurcpce~+ Cp c~ nmonuompe` mp ple ek` ia ple prm`ckh `ms+ Mks ivek$ek` auk`~

    bus ir ~eoo ir`er renecqe` ik plmp `ms c~ prm`e` bm~e` ik ple kep m~~ep qmoue

    nmonuompe` mp ple ek` ia ple `ms+ Ple KMQ ver ukcp~ c~ ~unl Kep M~~ep Qmoue

    `cqc`e` bs ple kudber ia iup~pmk`ckh ukcp~

    Dmrjep Qmoue ia M~~ep~ $ Ocmbcocpce~

    KMQ 4 Ukcp~ Iup~pmk`ckh

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP13 | V m h e

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    PM\ BMKEACP^ CKQE^PCKH CK DUPUMO AUK@^

    m# @cqc`ek`~ Renecqe` Arid Dupumo Auk`

    Cknide `c~prcbupe` bs m auk` c~ e|edvpe` ck ple lmk`~ ia

    ckqe~pir~+

    Ki P@^ ik mks cknide `c~prcbupcik bs dupumo auk`

    m# Nmvcpmo Hmck~ ik ^moe ia Ukcp~

    Lixeqer /ca ple ckqe~pir ~eoo~ lc~ ukcp~ mk` emrk~ Nmvcpmo Hmck/

    ple ckqe~pir c~ ~ubgenp pi ple nmvcpmo hmck pm| m~ uk`er7

    Ca ukcp~ mre leo` air kip dire plmk =2 dikpl~/ ples xcoo be

    prempe` m~ ~lirp perd nmvcpmo m~~ep/ iplerxc~e m~ oikh perd

    nmvcpmo m~~ep+ ,Plc~ verci` c~ >1 dikpl~ air m~~ep~ ipler

    plmk ~lmre~ mk` oc~pe` ~enurcpce~#+

    Pm| omx `eackcpcik ia Nmvcpmo Hmck~4 ^moe Nik~c`ermpcik$

    ,ni~p ia mn}uc~cpcik* ni~p ia cdvriqedekp~4 ni~p ia

    prmk~aer#

    Ca ple ukcp~ xere leo` air iqer ike semr/ ple ckqe~pir hep~

    ple pm| bekeacp~ ia Ck`e|mpcik/ xlcnl demk~ lc~ vurnlm~e

    vrcne c~ dmrje` uv bs mk ckaompcik ck`e|/ ~i lc~ nmvcpmo hmck

    mdiukp c~ oe~~ plmk iplerxc~e+ Vurnlm~e vrcne ia m oikh

    perd nmvcpmo m~~ep maper Ck`e|mpcik c~ nidvupe` m~

    Ni~p ia mn}uc~cpcik ir cdvriqedekp4mnpumo ni~p ia mn}uc~cpcik ir

    cdvriqedekp'ni~p ckaompcik ck`e| air semr ia prmk~aer ) ni~p ckaompcik ck`e|

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP86 | V m h e

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    air semr ia mn}uc~cpcik ir cdvriqedekp ir air =3

    semr~ arid ple `mpe ia plecr mn}uc~cpcik/ mk` `urckh plc~ verci`/le du~p kip pmje m oimk)m`qmkne mhmck~p ple ~enurcps ia ~unl

    ukcp~+ Ca mks ia ple~e nik`cpcik~ c~ qciompe`/ ple mdiukp ia

    e|edvpcik hrmkpe` uk`er plc~ ~enpcik ~lmoo omv~e mk` ple

    ckqe~pir xcoo be nlmrhe` ple nmvcpmo hmck~ pm|+

    Ck mnnir`mkne xcpl ^enpcik50 E@ ia ple C$Pmnp/ Nmvcpmo Hmck~ ik ~moe ia

    dupumo auk` ukcp~ ,ir ipler oc~pe` ~enurcps#/ ca oikh perd ck kmpure mre

    e|edvpe` arid pm| pi ple e|pekp ~unl nmvcpmo hmck~ mre ckqe~pe` ck e}ucps

    ~lmre~ c~~ue` bs m nidvmks airde` mk` rehc~pere` ck Ck`cm mk` iaaere` air

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP8= | V m h e

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    Ck mnnir`mkne xcpl ple mdek`dekp dm`e bs Ackmkne Mnp

    2666/ m ukcp$lio`er lm~ ple ivpcik pi vms pm| ik oikh perd nmvcpmo hmck~

    mrc~ckh iup ia ple ~moe ia dupumo auk` ukcp~ mp m rmpe plmp c~ `eperdcke` u~ckh

    ike ia ple aiooixckh depli`~7

    Mp m aomp rmpe ia =6%ik ple nmvcpmo hmck xcpliup ple bekeacp ia

    ck`e|mpcik/ ir

    Mp 26%ik ple nmvcpmo hmck maper buco`ckh ck ple cdvmnp ia ck`e|mpcik+

    Vou~ mvvocnmboe ^urnlmrhe mk` E`unmpcik ne~~+

    m# ^enurcpce~ Prmk~mnpcik Pm| ,^PP#

    Ple ~moe mk` vurnlm~e ia ukcp~ ck e}ucps $ircekpe` ~nlede ia Dupumo Auk`

    mre ~ubgenp pi ^PP mp ple vre~nrcbe` rmpe+

    b# Ck mnnir`mkne xcpl ~enpcik , | V m h e

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    Ck`cm lm~ ~chke` amqirmboe @iuboe Pm|mpcik Mqic`mkne

    Mhreedekp~ ,@PMM# xcpl nerpmck ~eoenpe` nerpmck airechk niukprce~/ xlerebs

    nmvcpmo hmck~ emrke` bs ckqe~pir~ bm~e` ck ~unl niukprce~ mre kip nlmrhemboe

    pi pm| ck Ck`cm+ Ple vurvi~e c~ pi ekniurmhe ckqe~pdekp ck Ck`cm riupe`

    plriuhl ple~e niukprce~+

    e# ^vencmo Vriqc~cik~ air Iaa~lire Auk` Ckqe~pir~/ KRC~/ INB~ mk`

    ACC~

    Uk`er ^enpcik =35 ia ple Mnp ple Dupumo Auk` c~ re}ucre` pi `e`unp pm| mp

    ~iurne mp ple rmpe ia 26% ik mks oikh perd nmvcpmo hmck~ ca ple vmsee$ukcp

    lio`er c~ m kik re~c`ekp+ ^lirp perd nmvcpmo hmck~ pm| c~ re}ucre` pi be

    `e`unpe` mp ~iurne mp ple rmpe ia >6% ca ple vmsee$ukcp lio`er c~ m kik$

    re~c`ekp kik nirvirmpe mk` mp ple rmpe ia 0

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    lio er pi ibpmck bekeacp ia m oixer rmpe mqmcomboe uk`er m

    @PMM ple Ukcp lio`er xcoo be re}ucre` pi vriqc`e ple Dupumo Auk` xcpl m

    nerpcacnmpe ibpmcke` arid lc~ M~~e~~ckh Iaacner ~pmpckh lc~ eochcbcocps air ple

    oixer rmpe+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP85 | V m h e

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    DMGIR VOMSER CK DUPUMO AUK@^ CK@U^PRS

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP81 | V m h e

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    DMGIR VOMSER CK DUPUMO

    AUK@^ CK@U^PRS

    MBK MDRI Dupumo Auk`

    MBK MDRI Dupumo Auk` xm~ ~epuv ik Mvrco =5/ 2660 xcpl MBK MDRI

    Pru~pee ,Ck`cm# Vqp+ Op`+ m~ ple Pru~pee Nidvmks+ Ple MDN/ MBK MDRI

    M~~ep Dmkmhedekp ,Ck`cm# Op`+ xm~ cknirvirmpe` ik Kiqedber 0/ 266>+

    @eup~nle Bmkj M H c~ ple nu~pi`cmk ia MBK MDRI Dupumo Auk`+

    MBK MDRI M~~ep Dmkmhedekp c~ lem`}umrpere` ck Oik`ik mk` Md~per`md

    xcpl cdvirpmkp ukcp~ ck Mpomkpm/ Likh Jikh/ Nlcnmhi mk` ^ckhmvire+ Cp

    vriqc`e~ pmcoire` ckqe~pdekp dmkmhedekp ~erqcne~ pi cp~ nocekp~+

    Bcrom ^uk Ocae Dupumo Auk`

    Bcrom ^uk Ocae Dupumo Auk` xm~ ~epuv ik @enedber 20/ =330+ Ple ~vik~ir~

    ia Bcrom Dupumo Auk` mre Bcrom Hoibmo Ackmkne Ocdcpe` mk` ^uk Ocae ,Ck`cm#

    MDN Ckqe~pdekp~ Ckn+ ^uk Ocae Ackmkncmo Hriuv ia Nidvmkce~ c~ m ackmkncmo

    ~erqcne~ irhmkcwmpcik lem`}umrpere` ck Pirikpi/ Nmkm`m+

    Ple MDN ia Bcrom ^uk Ocae Dupumo Auk` c~ Bcrom ^uk Ocae M~~ep Dmkmhedekp

    Nidvmks Ocdcpe` xlcnl xm~ cknirvirmpe` ik ^evpedber 5/ =330+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP88 | V m h e

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    Ple `cqer~cace` ~nlede~ mre m~ aiooix~7

    @ebp ^nlede~

    Bmomkne` ^nlede~

    Iaa~lire ^nlede~

    Ckqe~pdekp Vomk~

    Hcap Nerpcacnmpe~

    Bmkj ia Bmri`m Dupumo Auk`

    Bmkj ia Bmri`m Dupumo Auk` ir BIB Dupumo Auk` xm~ ~epuv ik Inpiber >6/

    =332 uk`er ple ~vik~ir~lcv ia Bmkj ia Bmri`m+ BIB M~~ep Dmkmhedekp

    Nidvmks Ocdcpe` c~ ple MDN ia BIB Dupumo Auk` mk` xm~ cknirvirmpe` ik

    Kiqedber 5/ =332+ @eup~nle Bmkj MH c~ ple nu~pi`cmk+

    BIB M~~ep Dmkmhedekp Nidvmks Op`+ c~ m xlioos ixke` ~ub~c`cmrs ia Bmkj

    ia Bmri`m+

    Ple vri`unp~ ia BIB Dupumo Auk` mre

    BIB @cqer~cace` Auk`

    BIB EO^^(31

    BIB EO^^(38

    BIB Hcop Auk`

    BIB Cknide Auk`

    BIB Oc}uc` Auk`

    BIB Cknide Auk` ^PV

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP8< | V m h e

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    BIB Bmomkne Auk`

    BIB Hrixpl Auk`

    HCOP AUK@ $ VA Vomk

    BIB DCV Auk`

    BIB KRC Auk`

    BIB Nlco`rek Auk`

    L@AN Dupumo Auk`

    L@AN Dupumo Auk` xm~ ~epuv ik Guke >6/ 2666 xcpl pxi ~vik~irer~

    kedeos Liu~ckh @eqeoivdekp Ackmkne Nirvirmpcik Ocdcpe` mk` ^pmk`mr`

    Ocae Ckqe~pdekp~ Ocdcpe`+

    Ple vri`unp~ ia L@AN Dupumo Auk` mre m~ aiooix~7

    E}ucps Auk`~

    Bmomkne Auk`~

    @ebp Auk`~

    Mvmrp arid plc~ cp mo~i vriqc`e~ ple aiooixckh qmoue m``e` ~erqcne~7

    ^CV ,^s~pedmpcn Ckqe~pdekp Vomk#

    ^PV ,^s~pedmpcn Prmk~aer Vomk#

    ^XMV ,^s~pedmpcn Xcpl`rmxmo M`qmkpmhe Vomk#

    L^BN Dupumo Auk`

    L^BN Dupumo Auk` xm~ ~epuv ik Dms 28/ 2662 xcpl L^BN ^enurcpce~ mk`

    Nmvcpmo Dmrjep~ ,Ck`cm# Vrcqmpe Ocdcpe` m~ ple ~vik~ir+ Bimr` ia Pru~pee~/

    L^BN Dupumo Auk` mnp~ m~ ple Pru~pee Nidvmks ia L^BN Dupumo Auk`+

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP83 | V m h e

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    CNCNC Pru~p Op`+ mk` ple MDN c~ Vru`ekpcmo CNCNC M~~ep

    Dmkmhedekp Nidvmks Ocdcpe` cknirvirmpe` ik 22k` ia Guke/ =33>+

    Vru`ekpcmo CNCNC Dupumo Auk` c~ ple acr~p vrcqmpe ~enpir dupumo auk` ck Ck`cm

    pi nri~~ R~+ =6/666 nrire dmrj ck m~~ep~ ,achumre m~ ik >6pl Kiqedber/

    2662# mk` lmqe xik ple pru~p ia 5/56/666 ckqe~pir~+

    Ple Vru`ekpcmo CNCNC Dupumo Auk` c~ ple ~enik` omrhe~p dupumo auk` vomser ck

    ple vrcqmpe ~enpir xcpl m~~ep~ ck e|ne~~ ia R~+ 06 bk+

    ^mlmrm Dupumo Auk`

    ^mlmrm Dupumo Auk` xm~ ~ep uv ik Guos ==/ =335 xirj~ m~ ple MDN ia

    ^mlmrm Dupumo Auk`+ Ple vmc`$uv nmvcpmo ia ple MDN ~pmk`~ mp R~ 25+< nrire+

    ^BC Dupumo Auk`

    ^BC Dupumo Auk` c~ m auoos ixke` ~ub~c`cmrs ia ple ^pmpe Bmkj ia Ck`cm/

    Ck`cm(~ vredcer mk` lchlos re~venpe` bmkj xcpl omrhe~p bmkjckh ivermpcik ck

    ple niukprs+

    Pmpm Dupumo Auk`

    Pmpm Dupumo Auk` xm~ ~epuv ik Guke >6/ =335+ Ple M~~ep Dmkmhedekp

    Nidvmks ia Pmpm Dupumo Auk` c~ Pmpm M~~ep Dmkmhedekp Ocdcpe`/

    cknirvirmpe` ik Dmrnl =5/ =330+ Ple Pru~pee c~ Pmpm Pru~pee Nidvmks

    Vrcqmpe Ocdcpe`+ MBK MDRI Bmkj K+Q+ mk` @eupnle Bmkj mre ple nu~pi`cmk~

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP

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    ia Pmpm Dupumo Auk`+

    Pmpm M~~ep Dmkmhedekp Ocdcpe` c~ ike ia ple am~pe~p hrixckh auk`

    dmkmhedekp nidvmkce~ ck Ck`cm+ M~ ik Mvrco >6/ 2665/ cp~ m~~ep uk`er

    dmkmhedekp xm~ R~+ 8/86> nrire~+

    Ple vri`unp~ `cqer~cacnmpcik ia Pmpm Dupumo Auk` mre m~ aiooix~7

    E}ucps vri`unp~

    Pmpm Vure E}ucps Auk`

    Pmpm Pm| ^mqckh Auk` Pmpm ^eoenp E}ucps Auk`

    Pmpm Ocae ^ncekne~ ! Penlkioihs Auk`

    Pmpm E}ucps Ivvirpukcpce~ Auk`

    Pmpm Ck`e| Auk`

    Pmpm Hrixpl Auk`

    Pmpm E}ucps V)E Auk`

    Pmpm @cqc`ek` Sceo` Auk` Pmpm Ckarm~prunpure Auk`

    Pmpm ^erqcne Ck`u~prce~ Auk`

    Bmomkne` vri`unp~

    Pmpm Bmomkne` Auk`

    Pmpm Siukh Ncpcwek~( Auk`

    @ebp vri`unp~

    Pmpm Oc}uc` Auk`

    Pmpm ^lirp Perd Bik` Auk`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP

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    Pmpm Hcop ^enurcpce~ Auk`

    Pmpm Cknide Auk`

    Pmpm Cknide Vou~ Auk`

    Pmpm Ac|e` Lircwik Auk`

    Pmpm Ac|e` Lircwik Auk` ^erce~ =

    Pmpm Dikplos Cknide Auk`

    Jipmj Dmlck`rm Dupumo Auk`

    Jipmj Dmlck`rm M~~ep Dmkmhedekp Nidvmks ,JDMDN# c~ m ~ub~c`cmrs ia

    JDBO+ Cp c~ vre~ekpos lmqckh dire plmk =/33/

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    Reocmkne Dupumo Auk`

    Reocmkne Dupumo Auk` ,RDA# xm~ e~pmboc~le` m~ pru~p uk`er Ck`cmk Pru~p~

    Mnp/ =6/ 2665#+ Cp c~

    ike ia ple omrhe~p ackmkncmo ~erqcne~ hriuv~ ck ple xiro`+ Ckqe~pir~ nmk bus

    ir ~eoo ple Dupumo Auk` plriuhl plecr ackmkncmo m`qc~ir ir plriuhl dmco ir

    plriuhl plecr xeb~cpe+ Ples lmqe Ivek ek` @cqer~cace` E}ucps ~nlede~/

    Ivek ek`

    ^enpir E}ucps ~nlede~/ Ivek ek` Lsbrc` ~nlede~/ Ivek ek` Pm| ^mqckh

    ~nlede~/ Ivek ek` Cknide mk` Oc}uc` ~nlede~/ Noi~e` ek` Cknide

    ~nlede~ mk` Ivek ek` Auk` ia Auk`~ ~nlede~ pi iaaer+

    Dirhmk pmkoes Dupumo Auk` Ck`cm

    Dirhmk ^pmkoes c~ m xiro`xc`e ackmkncmo ~erqcne~ nidvmks mk` cp~ oem`ckh ckple dmrjep ck ~enurcpce~/ ckqe~pdekps dmkmhedekp mk` nre`cp ~erqcne~+

    Dirhmk ^pmkoes Ckqe~pdekp Dmkmhedekp ,DC^D# xm~ e~pmboc~le` ck ple

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP

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    semr =385+ Cp vriqc`e~ nu~pidcwe` m~~ep dmkmhedekp

    ~erqcne~ mk` vri`unp~ pi hiqerkdekp~/ nirvirmpcik~/ vek~cik auk`~ mk` kik$

    vriacp irhmkc~mpcik~+ Cp~ ~erqcne~ mre mo~i e|pek`e` pi lchl kep xirpl

    ck`cqc`umo~ mk` repmco ckqe~pir~+ Ck Ck`cm cp c~ jkixk m~ Dirhmk ^pmkoes

    Ckqe~pdekp Dmkmhedekp Vrcqmpe Ocdcpe` ,D^CD Ck`cm# mk` cp~ MDN c~

    Dirhmk ^pmkoes Dupumo Auk` ,D^DA#+ Plc~ c~ ple acr~p noi~e ek` `cqer~cace`

    e}ucps ~nlede ~erqckh ple kee`~ ia Ck`cmk repmco ckqe~pir~ ainu~~ckh ik m

    oikh$perd nmvcpmo mvvrencmpcik+

    E~nirp~ Dupumo Auk`

    E~nirp~ Dupumo Auk` xm~ ~epuv ik Mvrco =5/ =331 xcpl E|nirp~ Ackmkne

    Ocdcpe` m~ cp~ ~vik~ir+ Ple Pru~pee Nidvmks c~ E~nirp~ Ckqe~pdekp Pru~p

    Ocdcpe`+ Cp~ MDN xm~ cknirvirmpe` ik @enedber =/ =335 xcpl ple kmde

    E~nirp~ M~~ep Dmkmhedekp Ocdcpe`+

    Moocmkne Nmvcpmo Dupumo Auk`Moocmkne Nmvcpmo Dupumo Auk` xm~ ~epuv ik @enedber >6/ =330 xcpl Moocmkne

    Nmvcpmo Dmkmhedekp Nirv+ ia @eomxmre ,U^M# m~ ~vik~irer+ Ple Pru~pee c~

    MNMD Pru~p Nidvmks Vqp+ Op`+ mk` MDN/ ple Moocmkne Nmvcpmo M~~ep

    Dmkmhedekp Ck`cm ,Vqp# Op`+ xcpl ple nirvirmpe iaacne ck Dudbmc+

    Beknldmrj Dupumo Auk`

    Beknldmrj Dupumo Auk` xm~ ~epuv ik Guke =2/ 266= xcpl Kcnle Ackmkncmo

    ^erqcne~ Vqp+ Op`+ m~ ple ~vik~irer mk` Beknldmrj Pru~pee Nidvmks Vqp+

    Op`+ m~ ple Pru~pee Nidvmks+ Cknirvirmpe` ik Inpiber =1/ 2666 mk`

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP

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    lem`}umrpere` ck Dudbmc/ Beknldmrj M~~ep Dmkmhedekp

    Nidvmks Vqp+ Op`+ c~ ple MDN+

    Nmkbmkj Dupumo Auk`

    Nmkbmkj Dupumo Auk` xm~ ~epuv ik @enedber =3/ =3 c~ ple MDN+ Ple Nirvirmpe Iaacne ia ple MDN

    c~ ck Dudbmc+

    Nliom Dupumo Auk`

    Nliom Dupumo Auk` uk`er ple ~vik~ir~lcv ia Nliomdmk`momd Ckqe~pdekp !

    Ackmkne Nidvmks Op`+ xm~ ~epuv ik Gmkumrs >/ =338+ Nliomdmk`momd

    Pru~pee Ni+ Op`+ c~ ple Pru~pee Nidvmks mk` MDN c~ Nliomdmk`momd MDN

    Ocdcpe`+

    OCN Dupumo Auk`Ocae Ck~urmkne Nirvirmpcik ia Ck`cm ~ep uv OCN Dupumo Auk` ik =3pl Guke

    =3

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    HCN Dupumo Auk`

    HCN Dupumo Auk`/ ~vik~ire` bs Hekermo Ck~urmkne Nirvirmpcik ia Ck`cm

    ,HCN#/ m Hiqerkdekp ia Ck`cm uk`erpmjckh mk` ple aiur Vubocn ^enpir

    Hekermo Ck~urmkne Nidvmkce~/ qcw+ Kmpcikmo Ck~urmkne Ni+ Op` ,KCN#/ Ple

    Kex Ck`cm M~~urmkne Ni+ Op`+ ,KCM#/ Ple Ircekpmo Ck~urmkne Ni+ Op` ,ICN#

    mk` Ukcpe` Ck`cm Ck~urmkne Ni+ Op`+ ,UCC# mk` c~ nik~pcpupe` m~ m Pru~p ck

    mnnir`mkne xcpl ple vriqc~cik~ ia ple Ck`cmk Pru~p~ Mnp/ =

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    =

    2

    >

    0

    5

    1

    8

    =0

    =5

    =1

    =8

    =6

    85/061

    15/556

    1>/0>3

    =8/638

    =2/8

    3/

    3/236

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    22

    2>

    20

    25

    21

    28

    26

    >=

    >2

    >>

    >0

    >5

    GVDirhmk Dupumo Auk`

    Bmri`m Vcikeer Dupumo Auk`

    CKH Dupumo Auk`

    @B^ Nliom Dupumo Auk`

    Dirhmk ^pmkoes Dupumo Auk`

    25 MCH Hoibmo Ckqe~pdekp

    Hriuv DA

    Beknldmrj Dupumo Auk`

    Pmuru~ Dupumo Auk`

    Blmrpc M\M Dupumo Auk`

    Dcrme M~~ep Dupumo Auk`

    ^mlmrm Dupumo Auk`

    E~nirp~ Dupumo Auk`

    ]umkpud Dupumo Auk`

    E`eoxec~~ Dupumo Auk`

    Pipmo

    >/351

    >/0

    2/022

    2/=53

    =/

    16

    2=

    1>3/=>6

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP

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    Piv =5 E}ucps Auk`~ Verci` ,Om~p =2 dikpl~#

    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP36 | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    KEX @EOLC CK^PCPUPE IA DMKMHEDEKP3= | V m h e

    http://en.wikipedia.org/wiki/Image:Standard_Chartered.svg
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    Rmkj ^nlede Kmde @mpe KMQ

    ,R~+#

    Om~p =2 Dikpl~ %

    = ^uk`mrmd BKV Vmrcbm~ Ackmkncmo^erqcne~ Ivvirpukcpce~ Auk` $ Repmco~ $Hrixpl

    Guk =6/ 2663

    =>+2>>8

    23+12==

    2 Reocmkne Bmkjckh Auk` $ Hrixpl Guk =6/ 2663

    16+168>

    20+2861

    > C@AN ^dmoo ! Dc`nmv E}ucps Auk` $Hrixpl

    Guk =6/ 2663

    ==+0210

    2>+08=3

    0 Bcrom ^uk Ocae Vure Qmoue Auk` $Hrixpl

    Guk =6/ 2663

    ==+>5=0

    8 UPC Pledmpcn Bmkjckh ^enpir Auk` $Hrixpl

    Guk =6/ 2663

    21+8 L@AN Piv 266 $ Hrixpl Guk =6/ 2663

    =08+1>18

    =0 Re