Embed Size (px)
Citation preview
ffiffi gFrtea eo€e-oEg
eos rdl eq urd
ufruaftrutufrfragRtCctanqmr, fidqrd
BOARD OF DIRECTORS
ChairmanMr. Ram Prashad Adhikari
ir-
DirectorMr. Shanta Raj Subedi
DirectorDr. Prem Raj Panta
DirectorDr. Ram Chandra Bhattarai
DirectorMr. Ratna Bahadur Maharjan
DirectorMr. Kamal Kharel
aq+i'
qrtrr.flfu*fr qtqRor qq
lill l l l lt l i l l
|il 1t i i l l
|il 1' I i l
qrRs eRtfiRoqR/oqY
x
F-
t'r
i
I\
t iRlRR( 0
-rc\ \
\ \ ,
\ t
a
qrftia murur erl-r {q-frfr q{f,rRETTFTTF (fuftr+] sfore{\ ---A-^- -l!--5--q q l q ( l H u l Y l C l q q . l
qRTFTKT- --:- !.. l l Lh I i l + t l l . l l 6 ( l q
qrq trfla fr-fiur--=---a-s t r l (E l l6(6
-as--y+{q q(9 t r t c lF (F \
-\- -.A. o------a--qq l (+q-E{ | l c ( , ! lu l l6 (6
d.( +ffiE E q{4} lqqd 9iR !.(cD
{rtrq sIFr6{ +4 f{fttgB16ffiRqpqr,aracteH
sf{Tslsnrrqqr (q.frqqfl
* tlwrft qartt\-r+r6,
qq AiF-dr icfd "o!.et{l\e gT q#r qqr+a siciTq;r iffodr iqqq :FqT. i{q
ffi, erya e qc{cr i{q f{sq-f,€ 3qr g{F{ rri cq #r qig;ir, enn. l-*ip drrireftia fl11RlT qr1r {e q\.6t qil 6rqft (rr, fost +1 (Fr Eu s]IsR erEi tlqt.r{ic"T "{qr4-drd atTorffi qriTr ?ir qq{r r+risr{ ifqdT a t
l . vq ei frfr, Rtrt=t { IFFT:futi : iol\eXlll {r- tstrqReT|4:qiF6T 4<Tq Frfiaiq, FTFE Sr{qFTT,4r5q|gl Iqqq : k'€-rn 9q:oo ai
I. dqm-{€rHq{d-6:("FJ ( l+ .q t t ( lq
(l) $qrt-+ sfuffi drqr" aeunqi tn rrt ?i'T.4. lolRtt,l, lot,ltt(Y,Rotyrqr { toqr,rqq a1 tqm+ qfuffi qft-*{q qrtrd qi t
(R) nqr rfr'el-mq'l qfuqfi et6r+] toqt 3IFIr6 q{iT<I, loqY fiq-fd Ffl<,
loE{ ?4Fr|6 q{i|< I Roqq 3{F{rd qqT<rfi qrqq|f,o6 dqr Ri-fr fufu66crqqtq :lt.a loqttql, qr.s.?oElqy, qT.q.RolYtqy. I 3iT.E.loqlqE d f,rwf
f6pa fuqrq q{r FrrE rsm fr'flqrs sfr-f,+r ffiq t*Ersr66 qlftd rri t(q) frtqs-iff{{l)sqq qa dqr lirqqt{fr {ri'm aw gan li eR tttl tqroro qfqfu€r sTEqeT dqT Rqfd66siil qrftEi!-+ aqr qft'dr qt t
6D tsfrsqtrq : qm ErN;F qrERoT e'Tf+l rwr+dt; (ci'srr6) gq{ ddwq { tTulqqsqfu Erd qrfq6 arrr+1v<rqqr qaqr rfti a t ffi qrflrq qqr+l s€1q65 sq{fuiq qqqtg qn M qltrrtlT Ra{&l Twqf,s+l gqwoqr sasr rrftfu rqffi idqr"rnq srr|+l ql a wa ffiq lTqcfu qrd deii qr.rnvi q!Tr+] TRl{dFai
aqqcqr sAsr qftfu r
q-qrqo <fffi qmrt,4qfrqiff
triaqrq{qr loqs s'rq jl I :t .ri c,ariqi{t
( l )
* plwaft qdlqrad?
tffi] \r+qn ilte sc{r.41 qrfqi{qr rd +q {rfuq qrftrtv t+ RoRR ffa lo .Rifr-slq Eq q-m-..til qrq-cT rTi Erftrq +{ Qq, qo11 efrfuq Fqi-{ d sTrg+iqr tott*qrrc+ s lrfr fufu-s alrffi {c{n yqttT earr* srt{ Eitfuq qrirfimri *-+ n nffiq q-elT q'rq-.rft tq, loEt qfrfuq sri{R qt il\-+]q t +q cft}eq-qT d irftr6rk6ffi ilsR'r q\"rqr'+{r[ff TaElTmdi-qni {iqTffi qfcfr t it 3l'r -Fii dqlq|- Rmdrrd cr$<r qfr fl€ g i * Rqr+r +€dI loqv wqra rfl;a-+l qrqq.rd d ir-{&rd nrsTrtffif{ frffq, nTEFr +trf{ sl"gsts iff|E, ilT-{ TsiE h{r'r aqr ftirr w-qftrd otq-fi-d(q-{r}fi-+T wftr ri+trff r.6r1{f{6r vftT t{T lt+r a;1 I fufea +n"TA .rd 6,ra+rdt q{i6war flrRrR +qqfftqr rad cff +s iqq F.*R?i ffi d-r ftTR Fr{i5qerffk Ro{c, qr€r?ft{ q{elTqi Frirqr ftqqb-fi q{Eer ffir+ te+r iqfrq el"-areaemtdri q-fi6FT r? k rd *fr E{ cn?fts qrr61q A+r,nr+r efu G q-qfuT(erird-cr r{T?qrr+ 7.rT {+r.._{fi rrffi s--rfr :=gq r* ffiT Ai+F efi qq ariiia*{qr kfhsdr{Rn G qfu Effi trT iqr:rft qar-crrr{dtdri qrl+R rprT€q qGEr$tvrHq l
hrrd 3{r&iaEAfu *+dkfi{tsarrffiit.rqt.(tqrr{r r€ +{ dETffi ritrr srq+fitc, roqi qfifuq dd-{R lTi rrft n+t v}r+or qTer 3fimfi ili 3{-{Trfu qfu{ia;rqftie{qr q{+1 {fiim d.qtr il{Tr ffiq ftqfr i{fuRqr iETq {qjfuq {ad d I
{fr{m {cfir:q{ H 3{Rryd tff {. I eFf u 6i-s \es qRs 1ffi s, qs'flti sf i{r \.too _ 6r E{i srdR'r 1}{i drqr \es,oq,ooo (\. \es 6-ifs oE qr1ql r $qftrffr r}4r ta@r \eq,,so,ooo( t. \e< 4-i €' so qrq) 6r{q r@ q.yi +64;I qrt {ff t f q-d ls Fire lt qrffiqr d wr+t i rtar-q nmr {fr er++ rrt eran'r rrw ao; 1mr gC t. ic Fii-s{i qrq r :rqrftffiR riwirci {. \eq F-tg uo qRE 1-sr qq;i.Afi{"q 1 +e *-wii er.rnkffi tcqT s-eTrr{r rr{ aqnr skft{d vnmor {ff qtt krq ft-+rzrq|d i6fqcdrirq $ry T6ET F{q ff'g$q *i1 :a'aw rtrr * q*- *g i*j1 .r-*' iq-r re ̂ nr.".
FIq-q qn 3IKr+l qdt-{r {nd SFIEffi r|{reqq I
<tEq qln{-q +€ Rfr{tsvqrco qfrMqffifi
slfrf+ q{ Roqirqv
(R)
qIg {qr srqr (+q+iFI lfa6R, 3{eI qEfidq ll,io,ooo ?q, io ,oo ,ooofurq {-afiR. Terdtqr ti{.a+?i' aTqidq l ,o i ,ooo R,o i ,oo ,oooicTq {rafir, T*{r q;{aq R,ooo i ,oo ,oooici{ qr+R, 3{TT!.f c;a|mq ?, ooo l ,oo ,ooot{rq v{aT{, 4q 61 qa61q6 q4sp qqqq Y r O O O Y,oo,ooo
furq q-r6rr, qd-eq c;T|{q x,ooo Y O O O O O\-- - ---r ____:__:_::_1 Y 1 1 q { q , l ( , g q l + i . l l " l q l,ooo l , oo ,o ooi Y r o r t r ( + t ( , t q q t S + l - ? t q q R,ooo l ,oo , ooo
i'T{q sc+R, qif+ q}.rcr dqr tfitvr q"?rdq Y , O O O Y O O O a O
'i-+arft tqrq q-{6R t iqre ns ffi gqrm frtqr{ai qr+rT ni qfilffinqTe i{-{drfiirt\'6i 3fs-d ;irfiT{rd fqqq aqr +ir+i' +rqr;++++r srrq rrd-fi-d-dd :rw fi+sqpq qaefir+ qb rr-i qs-q {q +m 6rq itqr htrfiq qtfuq q6rt-rti FTdq qfoqm{, Tqtstr8 nsl {qffi, mqr hen eqtaf,fir d.fi Efu-duri iil tvrl-qT elrft-a qq qwq qqdfq qF{ cr&t Fffi ,il'atF{d q\-6r q}
edflar<lT qrdrqr€ +fug i-qr sr.ttdr rnfsi sie{{ra Ti $c+rft €rfr-aflr enfu+ qeH l]n-fif ?rt q.illqr {.Ic-g,rq qq nrFr-riFF{Hdr qjaa qq6 affi qp6a1 l-aqp.,-t 6r?tqFiT i{€l' qi qirdl +nrT Fn+iT qlFqTTI T{i ffi qra q# q$r f,.q{rs-r-fr{r q;FrnqEd g-rq rrtrc+ qredr I q{erq{ arrrcr rcqqitT*T 'sT6mr k;tfr€Eriir.e;4lqi f|flB Ai6F €ffir flE:-4tr4q 3rf ,.riF rqrTqr eT|4f.T{q rri, iTrrq. {< rri
nq a+iqrM a'd vtqrqr€ dfu-6 iffifieT 6Tf*q qlqiil 3l16f{ gftm vpr *a i-+rgtsq vi-d rri +-riqft Fqr a-&fr rnr sqT6 rarqr tr€i r zFiT qr+rri 'iar r+w +sieqr vw lt ftkq Fqiqir qraT srgffi R.qT @Ts{ *+ q+srqq qnqier tcqrsFq tr\'+l S {q +Fiqr nt+rfu-c qqrm+ qfrft-mr fiqqdr";I rirrrsn, q{<qtrildi*qif\Frdr ( qq-R F+i!rQ-r{qi qE€Tui Tnl-€r+l csivr rFi srarq i+rw+ vft trftr,+rw q-d{iftq erdwoT {ffsn qEP*qr ac dro iq\q ilqfr H vrften:rEP"rcrF,rcrirq rrqiar Hrifi rri' {F{ q{dT q qrqrg qdrqqf ra r*f€ rr@r q 1
1qlrdT{ qktF|-{qr :
fu-{rd qq-6r Tqr4d qrft hsrnTcoi aqr qf;q-TTri ?? r go; ae14, qrri ?Ilqfrfi ilE,rrqiRro ra r sfhqq ctffifir or<q qrfiio {rfti}'?,ir6€ ftrffqsrq: G rri q<j qtsrmm-+<qqr Frfr tr+ nrri q<Frft ft{qrs qnqzr€ r+rarw ,iftrm c,irdt 6r +<rm qrflio qft-c{m{qtqr+l qftT^r<r P{* +-c -F{ qdl r crqrrl d rrlco +i qf+ ffir arft iiTra€rfi d ?Tr
Td-drw i -fli I Ehil \firoir+ wqq'fdrdR+l ci{qlqs{q qHI :fiF4Aiq hqqr{rrqf,lk€ rftrirf,dl {'rq rff I etrra4q lnq<ft qaqt+ r qa+rri+1 qfrqrrqrq g{-+qr-f,Airq qia-,rn, rqirq q{..qriqd'r EFr( qffi+r zr;rtq fl6F
rra+ qd r ff trwftfe+ qftqiirqr 1-Crdr qrftifi **qr {fiRrcr+ qaTH qi'frslts q@itrfr r a-t n-qikfi {rc"rfirqct c+q gi fui*a w{i?ror ERqr ?.'TRftF ffkhP.rr{qr qiqifN+a qtm gq td+ r q$rrr rqPicT t{qa+1 {ftiiF Sfr-(, ?,nF ErnrTfr ffi <lrr{ _rfi-a, fi-c, crtr<rq qE tfrqrtsr+T 3fli.f6 1fu-(t ft-* smm-,r++ €ar cfi qFd q|mft-{+r{urr{fr rrci iqmn zffi+l qnr vgr€ir q-+-{ r d af qfi vim qrff+ qt6ct +-fii st{erf,+t araarftq rd 1 ffia1 a{qr {q R.qT qr+i furft t+qqfq Td r tq]4lei'|1-a1-6r ffi qa6qr Gqi\ e|R *{qr {afirrf, vqsrar ?fuq rvftqr 3|stm.ft..aidstd e sTi qrqrt qft ierfhe q1rqb'f iiq* r * orsP.rm \-+ qlfr|q :taqr h*TFdt6E+iksqrqr 6fr qni <ianqit furi+ vsrqr q\r+fqT {sft ffi s"nftqr cd sm ,rtks{riEkrTd rrft icw 1E M iira qq-{fir qrfiT s15 ia+1 q+enq+ pirs-A fts-qnTqT fti{-+jwcsw c<fr {!nt{d *fuqTt Mf,{ra ffiiq wnftn 1fu vr\r6i M r
fuqEqq-{qiWR;ffiq *-* Em an4aq qeita q-s ffi q+rnr+ grr< rri ffiemr a+wrr+ rqcfirq?rqsfut rFqr ffi :riqfr li,, iooB il" Eg ** ffi, .aqq1* qffir q-+ lEqfift Roo{ ifu crrlqi rrft f +i+r qrfrr r ffi qro 1q sfitt fool ?fu qq F{ irti t*qffi looq cq t +i+r erfir q+srq{ 6rR {crq qfrq;rqr Tqi q{enq{cT +6 €qrd{qqqfu +aq;I ffiq srcTqr ?rrq eqrfuc gmi qSair aq frFrq qR-qr€d-{n sq rRfir d1 I
gnw Rlfu qE tfidsqr SsR :qrflie q{ Ro{qEo qr ++a;r q-( +fitr{ F yqv 6n-s itsqifql qrff6 E{ lo\ltq?,Roqlrqt r loEilqy qt +-qqr r ltt oii-s, t tti Fi-s { r lql airc g{ T{s-r Bfl,iq ir.isSq;I Ak€ r ffi {fi;eq (Net worrh) qr fic$ tal{ wrq+i Fds{c RoEl qrsrdrvrrffiw+r q-q tffi r T ir4 yl aM aql6q 66", loqR qrsc, to\t BiFrid {lolY qlqr6 T{rdff t$-dvsii €urk{€ Mfqr g.an qr{ aqft to qri 1o anrg, t q q-iq zFti-s r ls w{ rt q;N aqrcq+ <d e r
t{'Aq <i+-d{qr rrrR si ftEq qqf+l qnrqi qfr :ftai qrfiio e{ rot ol cr llv lTfgr fiqiq{6{ rnwo qr hdc t vo,qq,so qTe {FnFrrtt+iqr 3nftf6 a{6{ ioqlrql, Rolllql { loqltqv qr rqqx { yi,ol,E(o qrq r.yq,l!,,toqtq { s.{o,Yq,Yl erq t{&c <i6d{ q\-d E I to!?Ll d qr iriFfh-d F{ ltfrqqr€ Roqotr(l+i qc fuiuft E+n irci r?.{ sffi gk lTqqi Afff,q lri RoqflEt +1(dniqr ioqttqyw q-e h*v s.r vfurci gfu rrq+i e r
o-q aqidt ffi tqi Roqotql, tor,ltir1, loqRtqi I ioqtrt,y qr 6qsl r l{Jto,\o Flrq,{.Rgoo,lo ffq F.il,?y,\eo qrq ( F.u,\e\e,{e qrq €d Afrq-€ qn {,Tr{i dci *&
(Y)
*s?"Iqr aqn { 1,11,\eo qT€t, T c,YR,,lc qrcI, { l9,qR,so qrc { n.lR,E,co qrci {*Ftefud r fr n qrfirA Fqi ffir aaamT arrFir iaqp gq rffi aqatg 4tr4 rf'+l
e-{ r ff a{F{cr fifuq +qid qnrqr s{t ?,rrsi ac qi qrfr ltrI ?fu-€ rqq ffi qrqr
{rd Fqi RoEl qtsrd {q|<, RolR Gfiqrd qff(, loql qf6 q-ff< T RoEY ?ffqr6qqT<ffir :F{nr tc sffrqm, {1 stdsrd, ir: qicsm r t3 sldsrd it{tf ifu-€ t ccft fufuqrFqial 3rsT Edfsi ET{qr +6En-$ fr-a<r s$lfdt sTw q\-di e t {qft d qqr qq retqt
-------:--:. .--a- ^-a- -.:--:J .-----+ -,,.-ii- ,,q.,=,+ =--=:-- !--a-i sr-lFIplEiT rft'g6l 4rl|dl glq Tqfif {66f{ qral x9"1,€i rll/(qrl .Fqld,l 3in^1lrll5 qch
- --Eq|q d Icq4r .qt , . t l . j J i+t qd .1+l .vq l t {5 q+- | .pnt 4. jc '1 t .p tqqt 1q4 qt€ lG1 qt-
qr+q (qrtl-{ h€|{I :
r+qim-+r zirrctqc i++r.q qfl gr+tn qrqT qrr+ iqfttq rjTTarfrs td z++*rnqq zirda
(Management PIan), q{{rffi H4rs *s (Iluman Resource Development Plan),. hr . - *s.-..9.-.---.+ - "-> *.F-fsTq 3r.l1l3B qT (Skill Enlancement Plan) qlrl qf'qIfig6r E lld T{sT|fr ?T4sqiFfl
ir-diTsr (slaff Need Assessmenr) rft 6Fi qq-{ qin qqdT E r t+em r;rrri"r+rsr z;rnr
(Successor plan) au +66r q?ik{ sqiq 3nm€ rlgdt g r ffiq & qtl7 ;Flzi6q ?dqrf4
aqi <-{srr{qr ils{ Ei wdq rorc qare esr<cr i-6qr qi F{qTft iq@T {\iYt IMrlIqs ilftia a{cr +qft q-flrft1 *b6 q-++rn drqcr {i-d qrT qri igo qqr F{qfrcl6 dId-"rq|qr sftF qCcfu loEy q-fqr6 Tfldqr €6 q@r llire qr qikfr m;+ t+ qFq lTqqi'g | 6{qr{idt g*rqmr qtfrr i;ni ;n14 qqrc+qr qr"rfto qrgn cqrdf (Perfomrance basedrewaro systemJ qH(l r1r1 rl(.t,1 tq I
*aqT ?eT TqqTitrd qirqr rrrrJi 3i"rqA 3Tftr+d qr-t \-+i-gvara a-reret EB aTnrafu .r+ ' ar .wet qrr++ orna adqrtrrwr iql ftgi-s qf\-6T €ET cq +rriqrz #rq+qim fu+r*rqr :;it+ t?rrr lTqdT fuqq ryd;rf{sfi rrcrt{ stfq
<iqw{ qqrfi aqr qraft-+ q{sFrlql grr{ :qr {qR qrsi iff{ivqnT qrwr<r aqi q+qrqqqr1 1 l l ^ 1 . t y u [ n t n q t 1 t < t , + c q q * q t 9 i
{art err+ rei iita aer fttRror +qd qrI rrtfr, crqfu tqr srft-€ q+ermq aq cqftraqr srtf€ q{srq{ fit'g{k (ALM Guidelhes) c+rd qTi qd, Asset LiabilityComrnittee - ALCO rret qtd e r q+lltl +qr fiiftr+r, sn<fa6 MIaq fitftror, ior91]q6 4n|fi$r F;rflirot, Ponfilio Srarus and Plan, Budger Plan, Srategic Plan 3rnE
--trqT rFT -rtlrrt'q-fir Bin- t 4-rtttT?IFGFI 4Ir{ rrFIrfiT q-{T{ ?irqErd rf4 leqq q.l ,1 ?.1("
q{rr i+qT flqr rfir.l're+} ceqrftrdr rkFI qrqfu <qr <rida nq+ft arfqqat qrrqrT\r4T 6{ I
{dqr et4ffi fu+is r q-flqf{-+, itov Q-sr :
if+s +rar+nqli ffi eqr;q-qkd firsi Tqqrqr E*qr qfi?mqftft *qqT d"iqrrti sTr€rd6ql zFq-4tqrl{+T z6riicT tr++ irg\-d u r qriT6r6-rmT rTiT{r; .ird{r iTc ,"7
qq+ft ardrq aqr qilT*rq +iriaqrtqT qt{ iirg @ a r qq q"i qc ic, {dI alFltw{qr
TdIft qg m auiqr+cr wr\-*i t zm qrftf* aeisqfi yo lrrGtra€qT 3il{iff qq-ir qt+RrqeTq rft qrtTff€'{qqi eni qrqq rr\r+l e qi i rgr eiFrqr AT\4 Q-{r i qFrn 9qmqlF€rfi Any Branch Banking System (ABBS) r SMS Ba*ing ter cRr+T q\rai g rhW rfl1|d gi+r emrew arqer qfrP.r wcn rffi tqnftEif qfu-$ fu q4qrrscr sn-{a qi qw G qritkq as $ffsr qqRrqr sl lrnEr 6uid-{dtdri 6rq-(i-e*d Fr*.qrEcai q I q*ffifi yo +a arqiqqqr q+ift qq, sfff n arqicqql +63nfrA t+fl{ rrd RBesvs orX q@ q 1 fifu d?sT gn-6r q-qqtfu..s EfudFTqrd e-d1EerirT qTkr fuq qfrwdt rft 3ns-it adqq araq {€q ffiqTqT i-qf sftfrl-+i+trqfqfa cfgfaF|+ dt+g i-sF6€ - ATM,Arry e.aich Banking, 365 days Barking, t-tsar .ing{ sMs Bankins frqr, qrsf c-f Ct4E i-qr, n-sr, 9rR-6rd-{ tqr qer drqa3qqq r{* 3rTadq I
d-+fi qif it+-t ewcaat (pr.rvoru ILUS trr ( RBBSys) sdlt 6ftnc $qrqq rFi e}*qa;Ettf,rl R(qT Recional IT Unit { flIG{T RfqT II Focal poitrtd sfftrtql t++rq rffi qFTqM g t ql<ta6 q{rT r+trdTi E{Eftqd rrd rntralet sit" +1 fr-+rq ft-ilar flri ;iffiqAE ilqr frf,FE {r4rfi ir+rrat{r irqira wn cz|gq ci ouu Er qar€; iqqr (-€firrd v*rc* rri r B-+ sq{qr fu-m tfi{qr rg{ las u.. dI ksf€ rftq-+1 e
a-qi ilrffi rqrtqr, rrq-nrm siq r<r BTfu qff knr-":{ fufuq-sr qrwtas Fqiefqfdft-* $fu-s Fqi, qk{6q oqi, m P{qtq 6'qi qtrr rqf *rqr H cqn fi+F lTqqiq Ei i{r+} f{sr€qr piarc*} twr tt-+r qchfd qMffirEr { q?izlsrq dxfi ira{tn Tglrr TFd +4 Cd qr -f,;q +rdt4rr+r {6fufiq:F-iqrtr 3ndrrql qfifr qt i ard;r1riqR d.Tr +qiFr+ k+rcqr Fd br |R Bnq+1 o r
mqltq'€ gtrc{rfr-€ nqr s-rqFF{ {srRFT :eTrtf, $errd sREErd rnfttr+r, q< Eqfir, erFfi<1qur q\r6T .{Tl€T 4Tqffi 3tTtrirqwqrfu+ gffi'wg.F sFr+n Sq: sh{qrq-{ rti 6dqr ++ q-{nfu Effir qffi flqTfu+ ffi t.rqid rrt loto ift+ qrrrcR *+ Rqsqn sr+ff{cl{ {&q AqE( qftF{d{r sF;{q fii gcr ftcr a+r 5tl wmg;r+l 3ildr--fi{r iT{,hFr.q fufrr iqr *{qr 3lrtitftr+ i-qr / rEih CcT +{ slitq+ gi, tflxr eT-.fift--m rdrqqd d-qr 3nF+ q6ql-{r rErq !ri, q+n-q.rrf,t :{"s6H dsn {d-{drilii €elFrir {qrn3nfli+ $6r{frr Ri ilrr+ar+r Fnidr 'rli 3rrgd+f { Td q.id +4 fuffiqr aet qftT{+rgir fu-<iwr Ger m+r +rqiqq qlsld ftqr;6 tvrrT fffiuFr r{rErrtrrr 91qfu-q gqqRal 3iltftdr i{fr{rr r'+ efrrfr fuw ro+ t s"ed Monet 41 {q{rT r. f e|({+t dq ri o qcrft+1 qd-a et+cf,ft -ft qiii gmw rrS+ qrffi lrgTfr rr1'+i e t q+,rfr f'+rTd im efrffi Hrqr|q+ sd.c]fuiq q-ilk fuFF{ qqrr hffiateni er{.d-fu Fq|{ qt 3ilE€E;iq 1 ff s+ 6Rsr6€A lrEi eiq s{drA {q ++-dtii 3nF+ ++qi' wqr *+R rrtfi ei I
Tt Fc+ift ffiM +6 \'+1 ildrA iqm {E A-{ =r'lqdr sr+qr iqrq vc+rrd
drtqR ri P{qiq ffi van rr{ vi wq(ur G w-rcr< *a+r ftftr< 6lqiil{6r qlqrd
qrl-+rt Ern?rrd qrqdte lRsrcT \16rffi urgirrtd+'mietrwraruasaq r {6!I *q r|-i 3{ftmq-qE -{€ t +m-qre +d ffiEar q|q (4q'r'{t rrt rgn
e+i q+eir+r qrftr ffi gcgrn gq.r? t+sr qHq
i+al +€T gr{nff fiH 4Ti-{R iqm (c6R, icle {E +m ilcr +s {qqA qTEn qnrsr
Fflfu{ rrd fifqd;I ffft'ftqq, tqrdi rqk.d 6lT{ qmftq qra;t q d{ q"i r+rq-{ rFi6r
EftT Bilrdk+ nqiTt*rq fr'*m qrft ffi arq ari-sR trqkd wqr 3r{rlfi, TqEEf,qT fi+?qr ri q{sn ftrerrfdr q 1 t<re-o qfuft-+r wqerd q"qsmrqf 3rsi g+
fl=tlFiiF {{€T, 3fl. ffC4 ffieflT futlFrmr Pfl{Fffq-9{q {{€r { rqEFflq w-91fq
rEq qfu{ rH cs-r g€q Ktq iMeTsr sfufn qzq rr@ q tkll-ilqr qR
qqqflrq ffiTqr 6a Tffffi w+wnre ar++r kqE{'qT qr"f,ftE nqr qraq +{{rq{leivr
iiqiqd [c rrur q|{fit T|.E-T qr$a qst qr'lar q
{eqirm vnrrrst ilFI ++qT gsTmq {6Ei TrrriT TtFr qr+ {iqrdfi wfu fqR';{qfltdt{ n q\rsr a{ rri 3mdft6 t+qraur t qqftAeTur qunfffl{ Fq-{ qirsq-+l q I
6rrff q{ Rot i Fr esr 1oR, 3qd(FI r d ) r.rgn la.o n li :riflitr ftqrure- -Tm
qWtrEt ffi?qr rft\'dr q t
ffirft qffi arftq aqi wrfila :
TE c qdrq i;r6-6r 3fifi+il e'rTa;r 4Fi6q q8q dar 'ufflf ifrr aicT
em*rtt rRTs{ !T6q t
{1) qrftf+ qaar|q,.fld Effi gq{6 €mr {qrn6tqr ;rqt qrrc+r +rqicq *qrqqr q+ |(1) gtdrlcr6 nan grrcq4 wfr Mr q+{M lc{-di qrfiRqr sqrdq dk-6
:r++rn d-qrr cr{ qf I(i) tqiTdqt qR 6risr@ fufr;q frqrqr dtkc / qftTeTqr ftn 6rffi fi-.'drdT f({ t(Y) cqt +ei {,Tr*-fti fi-*frr fri < gtr+ ad o'nffd orgdsT gffi rrfr ?a{ 3fi<t,ff
gffi nTqr qfu qi r qlTr{Fit qii" r6"q|drtl eii tff;Tul rt q-qrq-{ Tflsrqi,iiqr 3{!F g{R .nsn I
({) sqi 3{g8 a$ qrTwfir€i -qi 6qT 3{gm q{€fiTnar{r ftqq Fqiait sliTqrl
ffitq sftrsrdqr ltri I(q) q+tr vftFa 1lr1 nd w qrR{Fr qltT&'fiqr qi, ATM t Debit card iElT web Based
Remittance TsIrA qlq rrt t 3r-i{6f+r rrK{|tra{r ABBS €ITciT nafi q-ffi{ rr+ I
(s) ffi it$ a.r"t, and Liability committee 1aI-co) +1 qEF{iFr{l q{{wT{ dTf
4Tqiiqq{flZ e1ft{q aq ,]i flrfr{r s€qfi sldsq sTw rri t
(e)
c) |{t q+enrr ad si{w+rft qizff ilqr ffiq h+?vrdRr 3fir+qr€ / q{qkqiFq'{ ftF?nT qt v*q HTq sfra-fi dcr (.fir qqffi ctlT frqturqr qts kiFioancial Reporting qT ,Iddr qE qnTfrf qtrJi I
(3) 3fl.dk+ ffieTq aci rTREr aqidq-dt, *frq 6rqfq.q ern i#ftq 6lqf-{{+r6d-dR, 3rflrnq 3ilft?tr qrqRr+ gqtra?rq 7 il{qt€{ {{tqrr| i T(r .ri a+rsiTrdtad ftq=?nT gn11m-dni q-s. tgd \r{ sc*d fiEi I
<5Sre{ +- qFt|dqT 6t(FT .
qqn F 6rast q+Fr qrrrqT Wdf Filiq {frfrq {ErqE qftttrai 3{EqeT ffqr eeqqfsqq sq-qTrl e-{fr( d flqft'ffr BflPi6 q{ Ror,i t'x qr *dq qfifuFEi' {qr+ qfu.ftR;rfrq-eRa'tm q-{RtaT qEn er+,r{ €Faf+fir fuq r
er,ff *-qralE srkfrer. ,fr hnrsEcR qs* qFqEqR oTff4 g*fi'T€TE sf-frer. ft s"€crftr +id
qt-zlsT RoltlRlt{*flnr+ lolltltil{wnir€ Rottlllll€EflRiF loqitllll(qrltFF lolRtltRl
efu lo\{lqll \e qrq
Aft{ toq{t3t qq
efu toE{r3rll €Tqtfu loq{tR,t?t qrq
Aft{ loi,qntlv wq
eli{F{t{ ilq{ :
qcrq qftRqft qni Tnfta,i qff,FroFn qi-{ ffi 3{er+ Tqrsfld 3rFi fl.nqrt"niTff, ErR, qfte?ff s-{re go q{q g{q qem ffi {-rtr ffEil.ii srfud q;i srq ,{e.+1q I 3r;ilqf, qs aqqr ffi rqt+qr Felr dqT B tiry w{r F64r{r 'l11 qi r}+artl;zrcqet, iqc vc+n, A'qrq nV i+, aq-n i@ 6rqiqq, +fi+T rJr6:F q6Tsl46€nw ar< qi-qe vft Eailm *rcq.fd qEq I er*, 4 +erd<r rtrer-r*i 6rqiqq- qr$dioa;l BTFdq nqT qtH"T rrtr ffi uq:tgre h€t Wercer t ia+r wmqfteaffircr q-M sdR lI qcai cftqa-dr qTFT rfi{a r;+Er< ft-q ql-6q I
et;zlt|K I
ftft : Rotrs qI( ij rrfr{Ft-g{Tl-E sTfir6rtf
3Tsq+r
<qrq-+'Rftft{tfuq qrftrvq de fuffr}e
(€rS{fr)
4rqfr Er Roql 4i CST 101 scEt6t (Y)qrfl{+l3Tfrfomh-fllT
f . rw+ qftq-6r ;rqras+r i++rq '
;r+i qqi* rq *t ' is-r qq-a rrdt fil 1
R. i-o. ra+r q-aqa q+qffi ffigTr a{qr qGT y{rft :*- -,r. - -----.-aq-- \ t ffi rdfen s.i?ST g-rrirf61 {€{re;{rGlcl'ci)l .p.r iFtqcp .p+r.lrFr rrrr
qrfu H*.c r+-oTetqr cdq qM s I3 3lftrcfi ltryrf,|fr[4r- itE-qri gq-{e.r r|{Eqdr slr +li]:
- - - - \ - -. . t*cl I t i r l l icFl( 9tr . l l t ( ,qrt E. l I
v. vfien q{ RoEiloiY q1 {-55r dq5++ e<r q<rftr+rW qq M qti-{ rrt6r
a+qdr+i iTra6F:qq ifa!il rlw d-{rq6 aqT c-<tRr+diA t+{E rFi e-ri Hqtrrc flq i"(dt q<il
iwvt< rrq;1 6o,{. +fidiT qaqfu-d q.rlrtflEtqr qi +twc+ mr n-wa qffi c]M q|6rTd
gtS eR srd+r .r{Eqal qri-fiffi qfr{r I- ----!r s---------: -4qi 4rI qFriFff q+q|5 qTcd rTq4r 4{
'
t cffen +iqr-H fl\n] ,iql il+ €t-{ IH k+rvr:qdran +icr ffi \-{r'e'rq€€ t,+a .6,r-aii u.
e. 3tt;airs iTq;Trt q+'qT.
M affidfu*ftT;?.trq{st(erqd t++;rq q+srqr sr+qq{ ftc-6r stdqT€t
firctTsR -|{
{a) rqq+ qr;air+ trterq ilr i{q;Tqr q{+qT ?cmE\rd(t4) rqqrr+ qhqrflii q-aftTd rrd e{qrt frqr kfiffiqr+ff, 3Trfti6 qqrfi sFd;ff
+qtwrrff 3rfift ftiiqrmr ilrtqf,+r er;q ftti}r+rd q+en rd ],- -----l -a-o- d15-(r c t { t I . l o l . lc t cFt s tYr tE(cFl I
'q) q+;z 3flrdia6 WR{ur iEqm rrsq rs +niq 6- ,(g) il({r{tel"r sfutdfr ffidfa+ F++;qur qvIIfr t +{{rqtleffi{rd 3fi-qqE\r6r g{tE
__ -.+ qirqr6 eqfrf_+i ,a( lF .a l l . lq l r r r ' l r l ' l< l+ i i r l ' l
c. $ffHr s.fqt rnf+l aq q{e{T{ qri '
otrSft qai - tgc,3 o, Y R,IY \el\s\s
4Tqi{q Fqm{ t{q - l{.les.{i. iq q lqq
w-q q{{qrT{ qrt - l,1Y,qqa,{,\eYYli{
(e, )
q. ffier"r sfrk+i Fqscc+T ilan-*, vrfte-fr+, rrr ew gfrm, R) sfuliffrq$r €q 4par6-s;r i1{rq r qi{ffi |{q4r ErFrdair ia-{rsr:
'l ) iqrcteTqr qfcffi:
Fqrd6 sr. *ff{rq qrk.i. - trq+i{sm"+ m€na'+nard - F{shrr,tq rW 4 nfrr e-+ra - s{€r(3nmft€ ffirq hrFT)hmffq w-y[<+ *]onsfrst - ${€r qt44t3nmft-6 Mqrq firTmt
(1) qfutr+r qEeT flnqd e-{q6tq€ +56 rrnT qt+ ff.q d crftcrfu-orSft."tr F<Tq rri rTfq-dr *q lqfufu+r irau r {qm+ csqdwti sfr iFfiqrr 1. 1000 _ Tdiq qftgdf Bl
(i) ffifa q{ 1oq16v qr c ce6 qfuffi +5fi ceit, q-cqi E\-4r q{sftui{tr{:
6) i++r mqrt{d;f Effidlf,, qrFr 7frR|{q-i er(r{|d 3laq.r{+r rflql1qI ifi.E. Roql^i d Branch Rating dqr I
r{) irqi q-fiqq ftiftr4T Roql qT N Audit checHist qqrA.qr qi { ffiq-Rrk-d v*fi ffid ffi rqr"ffi qfufuqr tn rii' t
rT) q|mfu* MeTqrqr ftc\-d ft*rl{6€+1 6HFffi{ .rirrtrsiqrq=Tqr wqtrfi frrltrtr-diri qr;r+rt qrrsq r{e alffitomrqil{dfttrn
s) R+< eqfu, e-+, ta Cfu€ fl{ck, EiiqTt a-qi qran;r qliq d-qrqfsq qi qM { EqFq n"atr fi-t wco= t+r+] *tn-++ qtIR qriqqerTqrq'r{ hfql{ |
e) qr.E. RoqVEt d s|{q ffi qRtrr+ std'{qi.q'l ei{trrdsi'"F iqr qffin qtrd riqrm+ sftfuff qqr rr+ I
10. dq|ds, q-{s{rrdq fctsr+, BndFrr-d r}{rllfi t Fq+r cfu6-+T qri|(R ilqTriq.{ Fri. Fqfi Trirare iaqd vrw q1 ri ra+ :4 { l
11. v$sr qfcr dat{s, q+rqrqfrq fi?rr+, v-ge +ni+r8 qftr*o r er;qKPr+rtr-aaflri ki\,?dt qrftqfus lmr nqr qft'Ftr€r .
(10)
F.1T. fus-cql (qI{{ T{q 6'rdartslib-6.d
11
x
q
I
(qEqrfi
ESl Ern / gr€Rswr+lq dlr{l-{ct. , t lhr I / +l rqrSq
fqhtr (q{qt{+rtrn-S qtcqr (Efti-{)srl-{rs {fr?ikqr
I o,C,R,oool-
1, R\e, {o ol-
1,Ro,oool-vc,R{ol-
R,tl,oo,tqRl11Y,oY,1Y,13t l lo
SFqT (GqI . { 1
itl-qnfr:- qqq 6r4-6ft qfdEd t fuiit 6{qffi vnu +vi efaqdqri qrq-s, {'ffi r q{(
vc,rR qt{d wrfi qtr{+l ;q-+er qftqqi' g
- tr+r a:ffi Hr fifqrr -nqn +ircT {Ici, 'qiqtiTwrt {rfl r fiei ailEia;rq*e+r rftqqi' e l s'F) frq-+r 3rik qftqrdr qrfT 3frrfiFlT' ftcr rrM qqr+, Rsfi a+iqrffi raqr6rr.qrsAq lrq s*'kq rit\-d e t
- T{LEFFiffiff €{RrErdrmq|{dsHr norff€ran1ri'+*er@g I 3r"qHe,nq-d lilTilfi6adri t qqrqrF€€+] E-6qT ff{q|{qR {frqr t. R,{ool- {Fq
fri qt\r+lr sq hil{flq e$E-dlql€ cercr 1,{oo1- err+i ko t+rfi nt kiqaqqllffidi
- qt+, i{LqH ffrlr dqqa6€{r{ qrqt*+r erqd crk+ [ ],oool- rErq ri q{err
r r@q l
- €qrd+ qfrffi +da{r sqfrrd F{ ffi rTrs qq}T ilr"tr tffi Treua'.T'Tt eiBtETqt dqr {tqr+a*rqr{ qtfu6 Ro ke< r+m Er {iI fircra+I roq qff{ rriq+e rmFr q I
- +F6r a{qfFG drm E{ 1o-ro 3t+.n' airrq *ei,r rrftqrdr q= cfi';r q'iql 6iT';qqw fllE t. 1o,oR,o9,1s,cl- qffi nfrq'd;t r 3iE€ 4trflfi4B TrK q'€FR t
g.Te sTK{r 4rqianfr6qEi iq;s Tqr T{|d q-' 'q'r' ;<r+ f;qaii q t
- 6rfad 1(, qqT qfiqrr€c€ qsi a<n erqfir vqF( sd 3nt'i+ Eid q=dqrqqr
q q{r qr1 q{€{rq6 tt+r fuq
lR. qlq-ttr{ii {F5 k{ eld qrqrql :'RoEY qTql6 rfffF;{fi { Y,\eR,?o,oool-
(11)
ffdresr uattr6-61 brqftrqOffice of the Audiror General'.1rs-iT'5 TEI|{ 4q[a48Trr qdrFf<stl]4qJ
Phone:426238142624154262471
A.G Fax No.: 9?7-l -4262649Fax , 977-l-426279a
Post Box: 13328rc{a5-d, 6l6drd}, Aqrd
Babar Mah4 Katll'rardu, N€pal
Bft : ao6!/!/.
crT {qT : 10q1,/EVsrq q{ €qr r kffr :
* uwrelrt|eq qrftrq +€+rdq Frqiqq,k'-eerqR qrqi, Fraqrd r
fitrq:d-sru-Saurgfrilcd
t arfi-i nfuq erftrq *+ kfuM toqv ernrd {qff,q,l qmdrd, tfr fqt+qr €crqqqfir -rftto 6ir+I nsr-ir+qn Fqrq r qrn qar* i{Ewr6r +€Tqi,erq qqq rrr+r d rHrq ftT{urd^ qiTqi rT.(iiqEI qirelTqrrqr ,i4r g r anr{qi-iiT TqR r|{€r drffiq t++wres sc{ Mte{q|+i qrarcqr qrtr qqq qrft qT dr* s-r.(Iffrd iil r
1. icrq +ercfteTq qmErc aqr r6rA-qr q{ler6a qrfr rrd qFkriTFr 3{rfl|.qrffierq srqq rrftcft]e tffiq fufiq qrc{il{cqr rqo qircRfi-{ a ri$rcr t{s< q..ffir ciffr tft cFi<{h 3r1{R ffierq *erqr dqrt Tft re+eR;iqrqi,cFr {qq rrfqru I ierftq iE+turqr :;ri€T '6c , qaEqfir irq fqfllFrsgq+t-i qf ,qt!T+1 E-qi cftHlr s+d ffielrmr sqriqT dBi r iqrqti imdq{r1q;T ncT i{dT-, qq-<Tq+n n:'Er Frqqoi Ttcrq \rd-q. Htq iffi{rT Tr{iT6lvrq ftqffi qqrE3r{ qfr Wrs"rcT $cdsr 6e r nei rte"re ar+ir r<.q-o(cqitd enaR Tff{ r'* qfiqr Erff fh--* d r
t. 6rd ffimorsre efuq+r +t6{d66q;rt{qdffir rTrftrfi sfrr+fisr{**q;t r;qrc+ sftrfu{z vrw rqat fu gfi*ro qsi idqif hfuq tfi{"TFsqrqEETqi irs{ cTi +fuce-rs igrq +$rn ?fu\-rr E{ r
l.l t{{{ <qfu -l.f .f {Icfu+1|a-fisr, qflaq6q6 qqr, utc< er.ifi-oror rrirn icfr, $qfu q?+'l
<erc, drq 6{&, d-g<r qseTr Esrk ft{{ qlqffi q*ri-q {rq l{fr fu.rlnq|.aiqr frffiq;i rlqfrrqfu ffiq Frqi-dq, elfi-q arqiqq nqrqnq ;arqiq{66n qi.af vta ne_rw Ei aflr<u rrda;i da r
t.1.R +-*q dqr rrqr aqic+rsqr rd ftrrr qqffi iitc+ qi<eTur rri r={ieRqfu+q qmfuq Sfu* rcqr t{T{ n+rft G r{iqii qtfi rrd qtsa-{ |
(1R)
1.1.1 t{r4rff Rrilr fgf, ffi 1{-1-i-o enn iq|q qr{ d(q|{{irr lolllll qI6 \e qrcI
co 6qKqr qft( qHqr arqvq ft qrln+J e'nn ffi eoi s-cror Tsi ffi srq iFi
c#t *q rssirt cF-{n qd rMr o-v-r-o crdqt{6 srarcr ffi &T {n &-{e{rqriiT qq qrirT riluqqi q'i ffi gm q*qpqrq qr{r rdT Bi I gg qE<nrt dlq
- : .SArqn FrEqF4-+fl q-nqr lr{r€nrqli Fi Flqq{i qr{ q6fir EF I
t.t.v ffiq orqicqfr hftr;r qiflf+ qdm-d qft 6. c,\e qTq xt rrrqif qrqfuf,sqFisrqr M htm aTfqr Erqiffi65{r q6Rr+icr sqf+r< qnqrasn fu€{ riqi'dil I gi6' ier. qqfn zq'+I q'teTs[ RqP.rqr mr q.{q\.fiI , arJ|FET qiq qq\rffi
gtq qrfqfi 6q i'cm{ {+ rrs+i q r
t f.*. H ri*-q +rqieq r+++l t+qiq elird lo{r1o{q q1 {ft6trt qid f}t* t dhcr"i 6Fiqrffiq €{A{driltffid {qkqr*rtrffi@eqtsds. vt flq
19 t.qm ,iff-{rd 614 Trrfr kqTqqr +qi6{ irft rrffiqr lollroql qr ffr tr+{
ksrqcT tff-fi"T 116r fH r +qffi wftqrfufi r+q t{dq rrft {fi FflT {tiqr
+n"r t+rra qiq +i?fu ffiq tff{qqr q-{f,4il qF5615q 6cTr 6|{6fr raq qqni
rr<r trE yesh {+ .Tt.+] Bi I q{qg gfu{rq rrff ?drE qfi ts{e qftFr ritJ Aq I
ll.q *drk& dqr q{fiq{ qTfqr rr+rrir f.[q!i rFiri qq;+ MFl aqer 6 jY qfq li-qR { 1i qrq Y E{R {ft+rrr ddt fu |
t r fuit+vqqkS . : - - - - - - - S - 'diFil g?rd rrr-61 qiqi 4"Id E-d ;r{scld is-f,I qlq4 rqgfir II' Tnn qiFl qiF|{
rtJ+tHt ;qqT -q,q qq qql-ql F. 3< +rtg .1! { t iq 1tt+t 14 | q+t? r lJct ' l \ ( cqt?n
6q1aq'ftrf5ral qlqnrqrd riFrq'{q liiR?qr q1ir6eq|t rersq rei+jq;i iFRvr_q+dl * t t ' ]1(6t q+( 6++l l r l { l - l * l+ . l r l t l | i lq+"1 * ich l r r lTr t l + lF. l .nr r l lF6.h l
qrm;rdt eai ssTqEqiFG srq g{ qifi rrq+1er-<-g< u<r cwffi qq iditqc €rqftcr EsIilRl g liqrc{rEffi ffiqnIFq ffi 3n€t i-6 di+i{qf666l fut{ q;i qlh sffit *.1 | RoqR/oql qr ?,rraq{ q'.+r €qieFrr F"d
^ \r . ', F-:--qTqir66 al6d {fiR rT{ Fi Tqql ?ItI;1-€;I rrn ilqET {gFl 7Tq qiFq' tidetn. ^ ^ __ ; - :rqyl($ (+yr( (ar( n,[( qeqq;r rt td iq t loElzoql qt qciq{ ql-4J "Fqi
FTqfud rrri iq-d:Fqi grwr airadt ervfu loEv/o\{ &r+cr {fitl {d'{frqqFT ry T_+qre 4r+'iT @ ffiqltqrrar
t.l Sqifrtf{|{: 3.9 qrar q< ffi,fr 9t $r$r:tr-f,F.fr iaqqi r^ I Frs c qr€ 19 a-n.l-' r ieaui
6. 1 6t-e 10 qrq Yrg rqR Effq {*nT r?+1e r qr* 4RrqR eI.F1 ep;'d1
i-crsq;r emrcT rqr+qr+ +qrc qi+l nrddt e r rifr qW +crcqrc irda <qr i'+ q]'qr,a Rqd.c q{ slR !T\rd d{ |
t . i . l loYlrlre qr {& <{A {gs.sdr t{ qlq qft( qft difr fufdcr E|& ecqr ffiM ar rqsqr i-fiii 6. I 6ire yt qlq \e{ EqR i-tr|{ q-ft cf+1 Affq\dFcr€t ffiqrii qkr b-qwcr iert {€ af ci{ q{ffqr d ETd fu\,-ft d{ |qqi-qr i4?rft TcTqr 4-6r +s SrEr+ qsHT Ti-q iqiq-{q ?-'n {amqrFjc+cr {q Eaqrd qqEq rr€I, qrdr {< W qffi ffiq k{qi ieqqsl?fu {*dr a6{ qe-{cr r€or r, +fi uiilqr cra s. t errq I ri-c llore qtqre kqw kqn gt qiff rr{ aefi ++ vqdc aT.( 'fqt +ETd qqrE+ar+q (ffi ffisrcr fulT( 4{F6?fu !.tr \rffi bq|s qr.r{ q{en rrial F. ?tai-e c qfq qqiq Afu?q rft?qt qidi +rd6el kfisqrR etiifu {ddr rt+r rr: furqi qrfeqaaair +"iii. t Fi-s re qR{ ql 6qR { lq fu++ enizrredr qr F. \e 6te R,y qrir \eRrqreq;I {q+rqr 3li-{qrfi g|{ft-{ rFi qfutdqrc w ei fctsr{ lrcdr cft {q{r g4qr"dnTl 6FrqTira6 gitd nqqdr zFRq tr FTiiqr *-€t srrfk q\r$i ifu\-{ rfutqt qi* ffiq k{r* h{ra 4{tfu {ddr {iq;t 9 o +€dsliTr F. te qfq{o EqR i F{qi 6. I +-te f qrq f l aqrr+1i-qt ffit {Ercrqr qFrsqiFtrqre kqn E\-d ifuCc t
sTqi[€-( tiq s-qi :+ftmq Fqid6-+1 qq+rqr h&c ffcr Rqr 6qi g{sur frrndq €qq+ eTftRfti ErerR+1 qE\r{ I qratr+ FFfEfff+1 qarr+qr nqr t+cq rrtr <rft {H qaqrqr ffiqts+a gc €fr \,rfr {<r ed a-+emr rei dfu-+ em6 qT{ gfnqTd' q+en rr;ivi fwta qr er"io r trftr1fti sTdi r,r.+'id Fqt g{Qiq hT{qre qr< qrftr+ lrsr{traq {qtar 6qi F{rEqr vcl?i!F1 r{rft {v* *fr-.{i Fq|{cr qqr {r+ rRd' a rqqrt {{ Fqi fh.i6qr qqriqd.fq rur {Eq *ffi kqrqqr <fliEq+] r6q qqrt{<r {& if€n rr\rd d r furrr +iar"qr qx qnqr6€.i tfiiRn qqP.T nrr ?rW rFi;Rrs-6T aqtrs-a eftqfti raq ffi qrff rrH qr.rrqr cqi gtq"r ftnqere ffiRt ffid ww lffiw Effi .6rr+l *o qffi qi s. ly 6is e,{ q c,Ra-qn iq;fr Wrfr srq qt-qjr fH rffirrdEriqi+l etmf r+qdr gm.rft rmr|a}qr sr,{fuFdr *i ovi g<ervr ffi lo{1 61 <s1 Ro({) r1qlr ffiqqttc m<i stq qtfr ftftrn \-s af fft" Fqi ?;T{ 3.rr rFi ErTff Frrafirrft €I q;I qm+rtr n@ +rlrr <srk HfttAfti tfi sa|' rid 6 I qr$ ftrrrqiw<icq erftr1fti s€c gar{t ld r+e +ft F64i ntqi +F{f qFr*rft rr\r+lE | 3r{-{ q{ qifr erldqfti € iy 6irs 1{ qTq (,t FqR {+ 6. y "Fi'g 3e qF{lE FqR qtr qqqat dqT qr-F a€q qfut n-ar ffi qrft drqq;r q{q ffifid+l qrqlT\rdl Eft'q-fi{rd q|{firfr slq 1{\,-618' 1 T{ iq-ffq'ri g* rri t+ Frriqld grdarT*qqi q{ra *acrf srw q1v* aftr$iu;t a'rtw i+ en* Stqftqd crpd qrs\-{ r
f iY)
t.{ frRs+ftqq qnqrao-qr qrrofr qffi r qqo qmrr6{rz ctqm tr<r {€r r6q i$fu\'der+sr <id a r RoqY 3lrql6 {q|<{q qct qdt fut+fnnl roq 6 t( 6ars \e{ qrcI
\o Eqrt t'rf{:irr rn qi ;Fni qtd amflaqr +rqfil ,'iri6 qnfn sqjq c+cr
t*""fl"* aA t*it t-A qrts+ :rq q+ rrTqrc.t'-i in qtrft qe fh*q ro+rqrcszrK q{ fi*c cri ?qfsi rliaf g r {ffq|e ffiq fuq{u|qr qlfo-d Rqi F{ ftdrqTFq { qrqH dqi Eq 3ffiq rr{ q+ a€q qql{ rr<r q& rEqt+ €i ltd e t
I.E qgqrdqr6 qrq wr Scfrem:irqq rr.i eifr qfq aqr q<ff qrq fr-slq 4{rEt qq qtqr ss € k{|{qrssftTfl qqr 5. Y 6ilgr q,i qfq Fa€ qid ifrrq r +vqr ft-{qor Eq qiqr rdlrrt +i v<r qq q{ s 1t qlq xo 6q|.fr qfu !rq+f g r flraR( Fa+ tfir€Gqi'++qtac r|{i {frcr q-r-r erqlff Gi. { ai-e vq q|q{+{ W. g I tdqtt|ft
Ze3rio";l ?apir€n rr''61 q;ni F'5f.6 *q<r qic !6 rqdT iqnqi qFq q i
drg 9 d qrq+r rnrr{q qqdrdn rdr Ar r
i.e E{€ qqFI {nqw6dr Siifrq-d RI{TEdGFTIiFI dEFI F{+IT lo{s, qfdff tfR qg6l flqt Stfidq {qnFnzT, ERr {
Tq-dniror td{rq ttrdr€6 F{ftit{d ir{ sFi66 t{.di {ccr ffi e I qsftq;TdTr{4 rnr(q'f rq'q {qf€a eTfqldF+i T4qTqFf qqFIeT rfiiFfit ;<T qt F(q=t
qra rqnrq rqq'urhG+r' n,.n-., qqlq qgfr g t
i.c fr{iq{rfiStcr :H 3{q *-+ aqr t+t oq4nqa;r drr'qr qrnri' Ti 1*+ ear <ri++ri +rn;ir
ffiai wq ffi .r=! qi fure {Effi ftiR]q ffi'a qq qqiffir iqrc
FiM€ +6 ftfl{-s nqr ;rqn qrqru td+re tqr 4qft kfi{-sqr 6. s 6i-s
I d qra lX B-qrr iT{i a{ffi- q€r e r ierSr .ri rrdl *fi aqr ien- iFqdrfrqiFrqM qma raq qrrq< {qnirw{ ffi{qT Ttd ?fue lqtfr *ql t{dt rri qK
ccrq rE ffi' htrra q{qr{Roi(t qnrTd {tll<cql fiqiqfi fl ci sf4sr{{ }4 ]61
t.\ etar qrqlq{fi:' snqrqr ffrrrqr rr<i o& qm *sffi qqEqr trI qRt\-dt e tqqff 4tws. to qrq qgd-qr ioqy tltl cT 6. I iEai-s q qlq q\e 6qR { loEYlili9 cT
F. 9 6ifs Rr: qrq 1: rqn ftqra rH Afu€ r e8I ffi qfu qfr qq+
sqruml srrr+cr qi64 T+ cf6g{ |
Lro gRkFFi')t af qfu qc+r sftrfl{ vq+ti qirqlcildr qlf ilotfu{ qtdffi{ sr+drq3il"iFTqTz g|{d]'{ i{r €| 3ndt{|cr 15r\16r ETtflTdF 66i 91q 41gal 6q1 <
fiv, )
6qi?i{ qqt{d wriTFG fl{Tr 6fi!flir66 :,rkqR SldriT 3qs+rE 3rTffiqftmqmr 1A qr.rfift qrR q\-+l e rsiircq{+i qr.iKcr rartf,d Eq frftE sqidqr g.3rT.fr Fqi {qpft +frq-q qitidrsqr {n-+fa€r +nrqrars rdt qri\'{ ISr* stf,dr{ ft-{T{d6?n kqn -,Tqr rn-*c FRiqr eik( Trrfd !Tq?i Aq I
tle frfrqqrfifrfrt{a qrqffi sfflia rffi ffi s t 6its {1 qfq qrfud erm,i-d <crc1 ciqT*qrrft fufttr qrcffiqr qzrK Es ?irfiff tc1\-6R cek d-.n Erfud s6.6{AFq tlqn rr\-+1 g r tt{rc q,{rrqr tr<-d E{qT ht4"d arTRr+qT 6. y Filg 10 qtqvu 5a1 qfu qg 5. {1 Fifs 3{ qrq Tq rr\r+l e I ss ihf'd-.r wwfr argifi€Ta;r qfir+im{ irt i{rn q+qr qrdit giarqq ",ffiffr anrBTr 14 Tq 6 qRqlq 31 Fqfafr irdr\rfil scgi6 ?fu\-{ r
t.lt ffi{{icrts{r{fuqmrp6 qf{q {rar bs|{qr 6. v q{q fl a-iie rsq qrq+l Fa€ :r\r+iqr aq q{6 y ?da{ {re Fifg vq ETrq+ G rT{ F. c qaf SR, airg l\s qlq qq rrqdr d r
3.1i SstTrK tq-41lfflIqr tf,{|E k{r{, gffi fr-{|E, {.6ft nffi k{rs s"q tr, €!q fufrRTq:d qqi$-rd ffi{aT eqR E{d' +Rur q+dr ffit qr{qR qf+-{ !r\-{ r
l.lY €qi qq+q{gqrd+ {fuffi tot(ltoctlu EI fi+ql1{R loqy qfqfd rqfdqr <qrdt+q rr+{|.] rqTq-E iFul|drr\dT qIqT:6. ir qtq jr Edt' i qTqI €. i ?r'q qq fjrs et qtqe{qiq{ rR!,1 d r gm qci'q{ rtid {iar dplr qTcI Roqltqi qr qqtrqn rHrrreqrs* q"at {ffqli qq lTq-sr 6qt t qqlq roq ff e t q{ Rq"arqr {t]R 6qiq+.ht y+qtrri Taf,€ eflF{ 3fT{fr e'{.:
1.1v 1 ff1q Frqi{.rqi' erdrqt iFqi eqr qfq smM nqt6{ rrts;I d{ {nqr66rrTtrgrq erqraPfrs nq\r,i {* ewtr*t nrerrca;t +qi qnrqr aqi iTcfrqr.Fr sT{ciEaqi aqr qM T6q qqrfurft-qr rlqi d r
1.1v 1 rlru|66qr r=Ffr o-qi+1 r+sn qqui r*cqre i€Tsi rriA d I:lv I qrqi qqtq? rrei q-'llsmr +fi :r+q qqft Fa-nra+l srt4pdaqrz gTTqrir'q'rs F,Fi Tqrgq yi{+{{ ffi rr.+1 dc rt.lY.Y Fdr E|{r t qrq?.rsrqr 4r iafitrdrr6dl ft-ll{rk{qr r?-fir yf :Fqir qt{ qqiE-{
rffi si 1 6r fr 6r*qrd {dr66qr v't{s cri Ffr ftqld im fbs-{cT qd a{ samdTqqil\'+] cd\-{ t
t.9{ offiqiGn-{isrrff:s{qrffi qrfrr q{fi Rir& qtff6t q{(qr +{Fc;fcr qtq;t qlhfttr 6{iqtF6aw Fares+r qi-qf. g{q. ilifi66.nt qrFfi a'{6 fuflrq ?i-dfir+, qr9]ftfiqrq&66 +rEre kFrq qcqcr r{|{ qi3rK+l e r qe BnftiF qddl ?i<rqr--;:..a- -,-6rtqFt{6 TaI FI-rf,GiFT qt"-4l/ gq TFeT.d?-q-q ?q4 {q qrsr qlqffit rrldl aqrqtq afq 6. q 6ifs lo qrq vl rq|7 shii e r str.Fc rftq 4qq iq{ ri n'qrqe q+rJ-ai {rrdr ict Erqrrq rpf qa+rnqqqre dq Feq qrq TIqeT+ ;IE B I
nt)
{6t-ffi-ql-{.|-{qiqrq nE *+ qrm c. tlYltc, +1 k.rf, rx +i?fuor rarrs i6qn ircn i-{ia15q6 apaq €q;r ?fu€ l ,{rcrq-ft, ftsnqT ( {q nfus aqleq 3|<tt-c Gj4it iq1qng d-+ emrr<"-fr ?vtq+r rfic ( +6 de 4r+ lTqqi 6qqr F{fi s lt 6freis qrcr, 6. lY qrq Y dqR { 6. r qt{ ii ai-e vr qrq+i iia trqrq kq|{ dqR
q*iFlqqlqqt qq q+gr:+ffi n" fuF rrC csqH fti $c'4lEG qR 4rffi <iqadq, a-qr0rartlfrq, fq-a sqqn, greir+ fra.{ 4rr.r arie+r qoge 'rma 'riqq aiornt +6q*orqr qifrqre kqr'ri .rft fr +iqcr qiqRrfi Fqqr {Rftrd raqrs qqr qi
i+q;r ftk ri-+t A lir(t.i rrt q.j?fu ffi eTilqr fuFrq riTqcr ff {Fcq++rn +Jqqr 6fu-fi wcr qlRsl rTi 6Ri qq+1 e t t{qr$r6l RqT€c stdiqn-?I{qR RoqY qrqras€r rs ffi ?,F|+rqr st{al66 i-tr{, srff{, TEfirfiftfi#qr r dkt fucr srcf, s. I wrq {rs ai-e t,l flq+l Erftrd qgt frard 4I{F66rar{eTr 6 Y {{E Yo 4ilg tY qrq qH q6nqr €i- {+qi e t qifi €qdt s. t qtq
re 6i-s Yc qfq{rt 11<rfcq q+acT T{rft r eqf{r lri fffr ?ffdq{ qi Erilhcrrq {* vv Fi|gd q|i qrfu€ q{eTr qd e t aq q6r€n qld 4Tiur ?r{ q{41
fl5t 5. I sfaS rgl o-ii'g vq erei {fr tffaq+] e I 36 qfu6 q41q1 5. vxzri-e sqftrd ttFioasqr qri +.i[6 frt*c qdi qi'q-qra {& !T\rd r€{qrg 6tc, iFi-s 3c eT<r 1 iTqR. lrq qtqfu c<ria+] kfu"a ffift r l+cT {'rfl qr€gorfr+1 ffi a+er+re 5. E 6irs 3 q 11 6qR sqld-sq rlld Bi Izrgfr lgcr ifslE-qr {& it*g+t r+c (qT er+*rn drq+fi qq{r t6q flFr *ffi|{ta{rq+n qen dqr q-i rEqrtg qsdr t{€.rffi|d ?i+1 tf,{r{qr (tqFi'tr{ qr6l r.+qr
ff ii+qd a r fure nq ffi ffi eiqrqr d ckqih rrft ffiq t4-+<'r6€aan ii'i vt arznr+r ,rqdl r fra;r etqnn qq s4ld {qrdreT qd (stq{ nfua\r+l{qT nqT dftqr se qdrn q{it lFzr fr-elqqz q-+lkqrs-{r rfrfid{s - r S r L ! - .i { ( . i t r r r i 6 la+l yt . l .n?. i l (6.hr t9 |
*+sq+st:H cq eoi Er"Fr rirffin' kqr{s|e *{q q{eT|+} qflr 511 5ft-g R't qfq tl
rqn qqqrqd g r tir+q Eq, Rolo +j qFr u(ll A 9ftsr{4r Ft'qffi qfs{
€R iir{s+:I q'FcrFdq r6q F{qrtn qri e{\rdi (dq r q|qr{r qr.{-Rq[ 4-rz|qqi41d I (t ?ffiqR 6i { Eidllsq, s.tool ?fu s.tt wrrtrq r 6 1{ 6qR tr<I
qdi qt|s6 ana z q|qt qlq rT+ F{iqrffi 6ceT: i,IitlFlq t( qi.i-, Y qi{al
1 3 qi54F61 44q r "qrer c,-f*rdr rrr+e dr+q qruq q;i i4qrar E I l" "ilrq
trqqwfi tolt +l Frqq s(l ) { (l ) 3qsR iclq qr+rr+:t qfte rr\rfir q-q A'6Er
odqrffi qrsq qR iil{q 6.v 6qR {oo qr qqqi {rft
Lpqer?tF€.1rE 1.4 rrF. cFl r.r"i . '.lFIl qrr{r Tfi Xf.l?.-4 4B 1T<l CTilfiT
q+iqrtrfi"qti r qft_qrqi' aqq r'qrqr qrrqc+J raq qi-ff q{q t{di"r q'i {frq+eTr a r nfuq qrftrq ffi ]oqlrot R +r *+s Ffi{sr rRi d]-{q F{qq]4di 1oi3 dr
1.11
fr+q e iffisR +{srk qgi'+rq.6{ hairur rrft kd{ur rFi q{qr +ff q{,lolo d ErFr sfi{R +{q.6q tr.ri{sr qd FRor 6{iq-trd6qfii A-{q iffilox i d-ffi e<w<r {& dift afiq tffirvr qq r\r+l s I dI{{ Erq-d q-flrgc6t.6q q}i *{q P{d{oT cfu sifr af,{ wq'dt {6q d-ff i{, lolo qil qs-r lv iq+eTt qi r+w a{qfr rqrq dErsqT qqr rRd *{ r
qr <r+1frrre eri{q i6 FrG({ ffi +ri*cr fr +i o. t errq ql F-i-s r,1 drq t9 ElrRqrsT q\rdr qfr ffi E< ve6 a . le qrE ll aifg lf qfq EonFfi ffi e r
frft1q qrd{r&Fdr {ff dN qqqiw rrcdl, wcfu aEr Rnre+l nc'q q<tfq r,q{rd re{dTt++tq mkm n-qr ffitffdN qcqiq-rr\r+], vrqfu tqT Erffi s{q:FiR;q er{Fcr4] fladrdr trEr"r arft-+r a-qrr r=ql:d, zrqi qrqqr a{lrffqr hf,rlrv\F+r, {-{rdl q\rci r fu{rdT qid siar n-cT qrs4r hErq eqn rri-qrta;r, q|4Fdfiwqr q{T rrt ci d'4{rg { fr-fiur qlT rri Trrtd q<r q*{r ifugfr e r?rtrslziqm {€ +A d-+-fir afkcq fttcrfl6o+1 cf"ril qr r*-+t &t r
qr<RF frq-qq qqrftaqi qrqd aqr i{q :Frharqr gqqr{rd ZA 4qr i+ilfufra qqqri a r #rsTrq|F{6'cr At T{riI slcfu aqr Erfo-q cq*ft qffrQ-crs S-dr qq-.q;i, *rft rIIcfuqq1 qrfqs+1qqiTq6 Er rrqq sr{rq+lh{r!T grqer q"q\r+1, qNI fr-fl{qr'at Sr.it 9trfr tSt-..{fl r+rrs q;fia qq qidr r?-+r e r Bqwfrs 3rqraPc|6 rr+,qq|*'q-{ rri qr ffiA-fl{ rrt Fr"iqr t{q-q gi rr-d q<r *Fn-r+an ma\r&Aq|<Rfi tffqq qurffi srt€d {ccr glTr++rft ifu\-{ r
4-qr r4Fd, iF-qI aRlirqt r{qF|d Teti6, EtriB66i g?ir6 srf,qqr iI6 i4FtrG 'nirr qaiera-qqrn arqerdF€ {G
rR+r et | +Frqre6s srq:q$ lFqRqR ckfli sr{fr-$ .rR\-{r s{ ,{i--! ------s. .--L -_.r.r \gc. q'qr+r err .nqrr $lsq (ggf {rPg+r iq{ | '} ;p$1 qrgqql t4qs"T6
iFFl"lkr66 ffi{ |q) ?,remni Fqi+l qrffirr fu,rc+r e{rffF kfi"rrs {dq dt{r Fqiqi' Fd-{r
qi qRai k+r'irrs qft t+q I qsqrd ffi eililirF s$rr;+or qM ftr\r+rqh{ir66qT ci-A teqi qrnft rrd ?fuT 3r\rq;f E I
ql ;aqidi' qrie+eeqre r<riia +'qi ffi r H ffi arr< Tfl6 fhqq;tqr{c{ r
qt ;rqi rqe rr+ qqrirqr qFq lfilq;I i{qTqn rrd a{rr6ft tqr qiq;i fuq qqqrqffienr sfun{T+l{.qrF{+l qrq qrt €oM F{d{rd qansq rri' 6rcqcd Aq r
1 . 1 0
t .1t
t.Rl
q)
qffirrm r qe{r+d $il-dq-dTdd E<r Brdi iqmd qrclfuFfl ft\R ffi?Fqi dra{ rr+ qdr 6 |ffi qffiq{r qrnff q-ffi-* aqi rqrd qi-+T{r sertar q-c-{c qrH €or r
{fr q{cTdal -"irfr Elirfr qlFit R+{Te cqiq {fi qqrdt .Ii+l e lri qtoq
fi qr+qq+ *nq a,rftreqra qrq rri qi:ftl #{ rAff srrarc-dd drlr {ffi mitfir$-sq Fqi+l sqq sqqqr €fi fi'.+rur
tqr rrd qr{\r{ r{wra aoti rrffi e-+ aqtfr qtfr r+qer* errq q-qtq
a lli qt6'{ rrt sfluR tfu+{ r *-6t qriq6dFdrc €fi iq-ator 9|R t{qaq+rqrqr qft +{qrft{|d sq-+l slfwd qtF{ rri qifh-€ cfteT"r 'Ti,
ilc|{fil q{€Tt qfu-{ rri ilr fi qffi|{66d qe+ vwat 4-cas < renqa{q ftrsTsi lt+l dt tftnir q+ffi kqd lrs{futr6.fr ffi €fti qft-firrT qri T{ffi 3w€{-qr
dlqrqrq qqw{ iFr{rq rcr sit€6-dr (1=qiq|. ffi ftqr &fhqc ftii t'a$r e tq-qr drqr i*iq4q-fir r6q +'F.4 Tffril q'rFT :i?rnsr;T Eul ii4i €trffi
effiqr q=* ifure r q{|src s.t'd6qrc .rgq gi +st r+rc a:n @ g+ rrqSl6 t
RqdI rEHd ffi argifuAffi{r @ €rqr+Fs G?il e{r+qr'it€qBadqiffiT{ rrft qd' rri *i rndor &c-{ r {gfr qEi qtTq fr{rc+T 4lt,esqTilfr r<r qfi i.ttf,Fqr il{{rfh&"c+cr {Ra-{ 3|q rei65 qft fu-{ trd qr{{qfl{ q;6r Bi lqoffi oqeqrqrir r.+,Tcc rTi +6 ariqrfr qtrrqiT, qEE 7 riR:iqf,FoT
q{q q{{qr frfl}Tqr rtidt qrc\r{ r €fi-66 nT{r lTqqfu qaFrl q{trFT
gi+t qi* q+rqfu qn q*qfq q-q rrg$I t<r iffi{ qr+orft qi tffi cdti t
dflrs 3flffir tFlft, Fd {qm{ qPtrqr qrft qt+.{,n'riw1o uffi fu I
h m nr$m mi qf{ dt qS-rqiqr"rrsi' ?{RPdF 3'nfii+ ft-{tq€F tsT q+
rrd fu r +Fsr 6+iqrft-66qd trqa6-a {rd qd tqt aqr orrrqrir66qt qq .r{ R rt+] dt rdqeR qqmfl reI eqid a+qr 4"ffi oqi ct{qi qqmd ftfrqrR sft-{ddr 5ir qi +-6{re d <rft rlfd ?futq r rrffaqr i{ft qcr;rd kiqfu-qr{ +€qrc zFqi *<rq r@ r +ifi-qr qrd {i-fift q\r+1q{qrcq;t
"'I3t qfi qqr;K M ;q t &Ffr qcl.|d f{SI rei qrq {R eI{|flaEI ffiqrrft s|q : qfl{d €ffiR ni qtrft e rr-vr 6r +eiarorre+l rqirs w{o qrar< ftqR q{dida-fi-flr 3rwr T{s{errT {td-t d l"R sR {fl €ffi 4-qi t{ffE FiEFq 4qi ffi+{073f<ri( qiff qfr cq aqnir€ 5k rlia1 a t
t.lr qFiqqqkirc q{?fu rd' qrteq s.i s. lt qrq qi 6qrr+l tesrs Frerq dql ;{TEqqfi
&'ff{ qd Eq r
(11)
I ,RY ?{fqT qFtT
l{rra q{qr frnrq iv nrer orqiqrse q-{ qffi qrn <qr tr{t { qrd{rff iilEqrqia :rrq fiFi;+T +rwrqre q\r+t i-*n4t errd drql <ffi qH qrK qlqi 5 9o6i-s 1y q|q 1v 5q6al ffi qqH+ +r+q €dt g r
6ffi \ra, 1oq1 1 fr'5 dqT ftdrq ri<qr Rq{ft E{, roqt q*fuq idrq qrFrRqi'rir{{ ]I'fi d r
(+) affia qaS++rqq nqr qfo1q qqq qri 3rrflq6 aa+r \'{c-qet6,"r qfd r(q) 6fftn nqr qfuTlr rftfr *wrao-q;t endraqr ETdI rrqqr *+q;r tsqH tfidrs t-{
c+iti+c ffi{r af.c\r+l e rFr) *ofr nreldF.drc crq tffi{q MteTurd ffi cqtR d(r(s) 4{ stdilfirirr {qf+rd qrq- T, Trsr-niRH ftsrq 6qr arls tr4lE k{(tr
6q4t ({, Roqt q+q iqrq rrq ffi d,id 6iqr q*kq ilqR rrqoi g {ffirrdq€RiTrg{€€dIg I
G) rr$ri ffierq t+,r *wrred qr.rnqr ffi isrd ttE &F+l fntsm{iifuq {ffiE TqiR i}q ilcft -ifuq qfri qitqqr rqiq q{sr rldl o r
(q) 6rftn nqr qt{?rur rt€r *errs+r qr"mqr M +rn-sR €dqqq-fi idqrq+T d r
{g, anffi crq qri-frfr r 4'€54rq 4q1 afi qfrerq .rt6r +RElz a+{fid t4Brq {flFsrr Esrigq Er?F s€rEE qfufu ?irEr F+ F{qrfti+r{{1 q+elr t+aa arq+re 41 6ffi ffi qlrFl, iqrq nE +fiil fttqr{qr*cr ilt4l sr +{, t{dtr+iri aqr wnfi-a<irsqif €4' Er g{eTr hcfaa (ie+ +rc rd cr\.ii r
qftrqi q{A{ I qr sdq q\r+] qqii{r errflTr 6rff ra{+i {qnn-m{+l qftqr"rq.i vrq+1 qq i{sEre ci ima{rFr 6rei {r+qr ffi ffi iqre +ffqnew qrwq{qr <tirnq t-or+r Rrar<-rs ?;TqR *++1 RoEx 3{rqrd {qfdqirqri{6 ffi, ri1 ffi1q1 qqrq rr\-6t E iq;r qtqr{r qiTqr r ilrd rardrqRrl]nnqr qqFi qr{ cgiq6 3u-* * 6qfl V{, toqt r i+ aqr ffiqq.qr qqeft \r+, toEt +irfuq r#r e r
q=RTq EIEI'T
@riiqr# rt€TA-€T qft er6l
t.t{
(Ro)
ffr nqr qfr€ . q-fffr qiI qT.E 6 rRT .qI.E.T
r. liqr gfrR. qi-er :T +is-Fn
l. 4riqa dqT 4€
v. ih{ cf{ 6qi slTd{. t{&c ?ift-€i. rfiirff fu{ ci frrf,rLr. r<rt{d dqT T6rfi f{I sifi Ei{Ic. 3 qfi qftl=q
i qq <fu€
Y I
Y.i
Eq afr'-s
Tqfr {{({r sK qr.E F.
LTft +Erd
r iq|6 nE taqr id qtETd
i. *+ zffiq csrm riol *qmv. qm aq ars qqqnT sr-( qi r+q{ .rqrfri. e-qi nsg ftn fiq qtrE
s iFn {qftq. fu Atuq €qtuq. 3rq qqfr
F.q Rqft
uEqofitad-6FfrblolY ffq qrqrd {sF(fr
qRErkT r5-rT T.€t
{rqitffi qifus qflS r 9u
vq"rq,rs:+] *qw qRfi Y. tR,qEfr Y.io
qifuq Erftd €* k-{r"T ilft-fi Btq{{ d lo(F)
r5q T{+rgF6 fi{{v.itn{{+ .'. tl
aGT Tqqft ffir€ an{{Y.tty 1 ef@ v ?\t a14ar q!q+ri6 aR dar qfrfl Bttt g1 | q.
q. q. q. q. <. T. TE{FI lrFFf
+fi{q qffi gsr{r<.r1€rft irfi{c 4Fd' Er. RcEqR ss Er. qtffflqntir+ gs riil!"I aciqd 4rqr {drislqtf+
q. C.
hlirli|q e{q r1s ffi qii{n F{s 6t{Er{i sft{d ciRr-qcr. $rfi 4atl bsc {rlr aTsr€
(rftrr< 3i€t ffiisrf,r
3l r'€{Ifi i;{
(?1)
trEo drFE fu ffifr-sftft loEt ,lrqvr t ifu toqv qrerd tt sr{+l
qlrFf qt4<r{k<t{ T€r{ r.qT
ffiflr fi{'{-{ qrq qt.q.( (ta qt.q.n
I. qrq qrqiff l,i{t,1Yo,{Yi.ol l,lcl,clt,lY1.q\e
1Y1\etor1{Y.l{ c{o,lil,iqq.slq{ qM qrRffi 1,Yil,1cc,c{i.1{i +n+lrc ftiT bwrslz lYl,{l0,uqt.reY lql,{es,\iY.l!Y.3]q fqrcc atTqlfi 1ii, lYj, t.1tl' {d s.{d qTqT+ \ei,1{o,91!Y.i{
qv reml ar<rft l,<co,113,111.{i 1,1o{,q1l,olY.loL F{qTt q.+ Y l i ucj,oYl,lY\9.ris uYt,1cq,1\i.\eY\e qq FqT{ qri l{\e,s{i,i1i.tq lqq,qlY,q\e{.!Y
c. Tcfr qfl{d ri*Tr 1t,r, i i ,1Y{.clqqre( iFrft q{Rr qffi Ra{-d{ TirFr \ell,l\ror\eol.lqq {sn|*d ffi aneTwr icq,1fl,\eii.tq qil,c$1,Yr,o.u\s
F{ii-{ I sI iiY,iYc,\lc.Yo lo1,lolrYoY.o{to tt s;qrcr ql<r{lzqi-wm it,ilt,e{1.R le,1ii,Ylt.cc11 ff4( ;iRr{t q-{erTqrc fu*di 1,1lY,qoY,{o{. iq I,fl{,!\t,t{?.\ofrqft( Fr*{rce qc6i $rqr 1,r.1o,lc'e,ll{.oo 1,r3\1,11c,i11.{tlr qfiqrq sftal.fisE qqdi T{rFrzq:i Gl, l1o, /11 oo)
vryi ori-<n r<in rffi ge 5rmr 1,r!Yl,lqi,\eq{.il 1,qq,coL9,c1o.{ i
lt Fqqft qi-fi q{€lr
1Y qrffiT q'qRl
rrs q,i41
trd risgrai
lli,l{1,c\e111 1le, q,oqs.oq
{< ilst/if,r{ 1,qlq,1,1o,r,11.Yo1,lc, l ,Ycc,qi.Y{v ?. afq Y ?s alqw ql€frFF atw dasrt frercqr qfr.a qr AA t
q.
q. q. E. q. q. q. TqrFrqrErd6iflq anrsrft {sj|{I< q!€rfr rr{{ qRrd sr h-rT.{cRaE a. tiiTncqR {s qRlqq aqilT+ 6r?r. {dr+€r c{t.rE
q. E.C{fl.tq,{q ,S ffi alifl ,Ic ir46rfr ift-q" R{Eqlr fi# hscEqn a'R.d
{sft-sR niff i€rqtda{ar
€, 4€rl"lr c1i-{
(RR)
cl&{ drFE ib frfrbqrw +Rrq eiesis Prffs'
ftfr qoqi Er<!r 1 ik ioqy qNr6 it qEr$l(€IT F.TIT
kqrq {{ffi TSC{F Tds{€clqrft1 qd q{F€{+i {h-d {flFrL qg Erl+l {qTsrt. F-fi !-.sc alsY q( qffi drq.{ fard
1,qli,11o,11t.Yo 1,{11,Ycc,ql.Y{
lq{It. T< qdqqd rfha qlRr{
t {{ qs.+T qrtr|n.
i. emr(lr qt-€T +isY. m wsi qifsr
t. {rqT fr-s|s 4ls
f . ffTisr Ffr€$T +iqs fr{s]tl q-qRfr qi-sra6
c. trRfifr ql.qTsr
L r€rfi-d +q-q lls{ qrft
10. f4sls qi-eT ols11. {--& F.s6 ds11. tS BFdt qi-sr +ls1r. {q qcldq{ 4is
lY {q
1Y.1 H{m Ef+r q+fi
lY I q( 4qal dr{{ qaf
io,c{9,iYr,,1it.tR
ll l, lc1,1cl.Yq
1o1,3t{,ocl:01
1s,1qR,l1!.oo
1ol,e{e,lqY.Yl
l l ,ool,ccY,9co. ol
l1c,l1\e,\eYl.l1
-
\9rcUo,ooo.oo
ll ,oie,uYl.1Y
tl,t l t,{tq,Yoq.11 R?,YYl,q /s,cqo.os
1!(.rt<camrz@ n1,le{,lu,Ycc.el) (Ro,c{1,i{1,11t.t1)
q.
q. E. ii. q. q. ?. qEinr <nrcaF<rs qffi Tag{rE q-dt qfl+{ qrsd <r Hqrr( As ?r. qtnFrq qR qa rRrclr €qiqr4 6r.qr {6r+sT sftfio
q. q.
, ffi4 eF eF ffiq qftTfr ,Ic ari+rt iri.{( qF1qcrr Erfi kEq RqR {,rs.d
{.lfi{sR nifr i€lci1srf,._' \ .
(Rt)
u&qdrFrwif6frfrBaq-a ya6 foarq
frfu toqi qr<gr t ifu ioqv qqra il qq r.u'q {.qr
rrd s{ F. k'{t"r s{sfc{!3(,llq,qi1.tt) fs') Frn-{R {srfi{E qrE rqiE qo,1ll,{{o.11
i,lttrelo,itc,.vqt. n{c qrk1.1 qTq BflErfi
l.l ${fiq dqr EqTsd qrqfft
I.i friqft hftcs ETt-cTisA qFiTff
I.Y arcdkd 6qidr q{ft
1.{ qq qrcqrft
t. iiT( Tdrfrt.t e|q crir r6f f iedt.i drqidq ris]ffi qd
i,Y qT{S? Tfi+? { lrq q-i
i,i1Y,lll,itt.icl,ltl,qll,iYl.Siivl,{qo,\eq{.\eY
1Y,11e,t{i.lY
1t{,1it,{{: .o!
loc,ol i , l lc.ql
11111{lroleY.lqortm ifi ftRfr qH rTc fsr6 (19$o,oYY,o\l.lY)
T€Tfi {qfu qq {qkqr Efi/(1fr)l. qrq dfi qm tqqm{ ql< Eq a6{qT Fft/qfu)t. {q {fl-+di-n d'mffcr sff/{lt)i. 6qi dfi frR qtrflT ot/qfu)v srfl Fqfuqr oftztqb)
(Y,cc{,ill,lol.t{)
(1,qoi,i{1,YEl.ou)
n,r, l i ,oq,Y11.1{){-qnc {qtq qS Erftsqr @)/fti. h&q Erft'dff (6ff)/1k
r. etcFrtu an krhrn offtzEfrI. qsfid-c qTcftcr t6ftt zqfrv. qq kmqr (oftz Ift
(l,q{o,qcl,\ei1.\e1)
(q) qqlfi Fri-{Rqr rrr-{ rqEl. frd-{rd-{ {qdqr 6t/qb)L S{ vqh'qT 6{t/(qfr)i. flri$I*'n {qi{tqr Eiq qrqfffY. Erli{r srlqr{t
ft) hftc qt{ sri-{rcE ilE rciFI. Sri4Td-{ 4!r Gr-€, H-qr qTb qr qb./@{t)I. ii-{{ E{trT 1fr/(4fi)t. qq slft-sqr 1k,,(6fi)y. iqm {y irqtz gTR Tdc{dz5+roeiw 1ftztoftr
ll,tesl, \q 1. { o
(iq,l{l,llel oY)
t1,ito,lu.o11g,\eou,Y\9t \el
{1l,re{c,ss{.1Y
(q) qtr dql fu rtqrdqi irh{q Etqr qwr qrscre ar<r{Ve+ (irr,jto,{11.oe)
G) {q q{'d r*i rrftftksrd qrrq r{rES!ry nv tom 6a1qq 4** {,ilc,qR,ltq,.i\e@ nn aqt *+m rffi qkq qtqrd {jcol , { l { , d iq v l
( lY)
ItEt&' 6
e:
'l&
E E
E E
F6
IE 4
E EP
19
t9
Fe-
F >P <);. *: i r
* tF
€
Ir')r19q:
&6Z
tvtrt
E
Itg
(Rt)
hcrr1. t{{r.r qhtnffr
6) qso(,ooo RfltE ql{{ ch $r{r s.9oo isr iii'i.Ti|{q iqs;q ir+'ci- ir{l rloo irT) re,c\eo,ooo ftH-+q ftmlrq t{i Cft t{{ s too q
. r f t4) i,q{l,ooo {Tffirr I]q.{ cfr Si{r o.loo iqr r{k*aq ffiR *qr eft'+qr 6. .... . a
\e,c\eo,ooo RRfi ffrsiq $izR Tft iET r. too d
4) i,c{i,ooo fiqr{{ t{i sft {T{r F.9oo io ............ qRR'{q fuqi< tqr cft rla{ o....... nI) qcso,ooo iilstfi lqst{ tq-{ cft rl{i r. ioo i
9.qstFs
I.t 'd" {i-6r iqr{drinq {F{|f6
l.Y 3fq wFIdFilrq' T-€1F6.{ {q wrd-F
.i qfurfd
.e 3tq
f. FlffsRlr
trEodrFEfufrfrbrlqr t-fr eqr qrkeq
RoqY qNl-6 qfl-<qT
t tr.d.Htm qq* r.1
(Rq)
rt&q aIFE il6.hfragqtgT aqr q;]s.f,G
RoqY qFIr6 rRtl<FIr TFrr r.rrT
t?r.d hd?rt w{* v.?
T( S{ F. kflli Ts sd F.
1. (larRuT qilsr ds
r. tr€rf{f, frff ffi
t. tql{r( l(rrsr 4lqv. qrfurq ft{tqla M{. 'ift qcrfr'fi +1s
S. cq Ei-sr Rcr dss. ffi ongi qi.gl
e. q.qr k+rq Aqrr. gtqrsr qfufiq dq
s. ffis qi-gl iFls
i.l. ol"q tqorl qlrq
e. qq qi-er alq(1o,q$, i{1,1i l .q l) s. qkfr TlqT7frRr+ n3,t\e{,q{{,Vcc.re?)
q. Td€T qdqd dq
0q,q3o,css,lYr,.1R) (1q,i31,q01,{1q.eY)
(l\e)
rro c{ F. kfi"r q{ c{ F.
Cft;ri q-rg Tq-{ gh aeC qorq. r itufti ......... qT qrfr qsdl r ilftr ... ...n IRr qiGiTtrqqi Redemption Resewe 16-q 6. .......................)t . . . . . . . . . . . ....... sftRrd 46/aqci qfu s"€zaolr{ ..... F. t.fuFr .............. qT qrfr Eqd r hlh ........qr Tffr €rFrffErd Redemption Reserye rFq F. . . . . . . . . . . . . . . . . . . . . . . . )
qqr l+l+i
uQuarFEfu'frfr}s4s[rm dqT qFg
loqY flq|-d rFt|-<qt
tnthdflT Btl{+ v.?
T€IT F,qI
+ ?r.+.Hv.r qq+ yy
iiF'C T.qT
u&q drFE fu hfrbfrt' qi+1 +'-qf ffirc-&)
ROqY qNI6 TRII<FIT
rl.f, sf F. kflr cs s{ F.6. Fi{fr
1. icrq sa+Rr. iqc ng i+i Rq Erhqv. qrr *+ aqi ffiq €elr{. rrq ffd( {-{stFGI. qRT
t,o{lrot?,Ell .{o
s. hisfr
tq qFn C€+E)
tr&qdrFrg fu'ffifrbft'dq trffs
RoqY fl!T|-6 q<r<ql r€q r.qr
t ?r.+.HaE nA Y.r
r|( s{ F. k+<q tr(S{F.r. qrq fut cc+ srdr66F. Td b{r{ 3isi?,Ylq,qqR.il
\s,Biq,{Yi,lol.ii I. Rt{fr Tncr11{,Rqo,iyl.q?1.1 ic|{ s"{{R
LR '6' af{r rqFrfrr{ sFd {{q|6{l.i srRI FqT!ffi€ srR ffiq q{c|66
1.v qq {ffid €{q|6F
1.{ qfurrd
l.\ srar
lqq,oqY,qo!,.R3
190,9t{,1! i .1tqio,93s,11l. i i
r. fr?tft {riqrR.l islq {a4RI.l "s' {ri6r Efiqdc{ ctq F<qrf,{
t.l {€{ fqFkTrr-{ qTRi ffic {{cr66t.v srq ffi stEl6st.{ qfu-rrdI,q BIRI
i. qft{-dq{ qrtd-{
1. €i\t E{rqr
LR {q ff6{ ri{crF6I.i qfu-rrd
i. Rsft Tfiqr1.1 ifflc T-€T|FF
l.l {q {rrt6d rield-6f.l qkrrd
qrq ffi qqi q|(rfF-d qqr
(Rc,)
!.P+t t.+tl
IK E{ c. {{S{6.t. crd k{ qf crffd€
S. Tfi r{{Rl. RE{t T{rqr
l,olqqlo,?lo.ci ,
{1,Wt,1?R.1u
1.1 qs q-€IF6
l.R qhrTd
I.i {q
{{s,l!?,ttY.t3ii,lil,c?i,?!,1.{1
tY,{t{,9{Y.tti. FrE{t Tcrqr ill,o!s,qY3.oiI.l fti €TqrF6
l.i qq
s. T{fr tsff{ r3,olo,Yiv,l\el.?iq,jv{,cll,ore{.ic 1. RAt Tirqr \9,oio,YiY,|3i.i1
{,1{q,oll {?q.til,Ylt,oY\r,{tt_qo
{q,qt,ot?.YE
1.1 {q s{qr6-6
I. i 3aq
i,il1,i{q,iul.q\3
1 r4?{t {.drllr1.1 (q {gL6
Ll irqq. qfi+l sqd ftd ci ksR
1. €A{d {fiqr1.1 "6" TriEr FqrqdF4 qltf, d{ctdr1.1 qq g.qr.ffic riqr66I.i $c rirrl'd (tsr661.Y qftFir{
1.{ 3fnr(, rq({i[ {(m[1.1 a- qrtar EqNuT{{ gTR q.elt€-{1.1 {q Eq.ffiq €{crd6R.i qq ffEd i{sh-Gi.Y qful[d
1.{ 3tqs. $effi'S'c qs'trifu.I. (i O( ,tttql
I. irqqrq Fr{ wt qrd-fF+l Tsn
(1+0tuffi
tl&q drFrgtufrffi.sr1srft tqqi fc-d.6-5
RoiY qNt6 T{l<irlt
+n +.Han al{+ YE
ttAHw qjqfr v.e
nErrdfitsfu frfr}s3rqEIfud
loqY sIFn-6 rRfl<rqr
q( sd F. frEFr T$ Sd F.
Y0,ul1,lei l\e f. Rist T{r1. rqq{]| +l.ql
Yo,ull,lei.lu qRt l l ,eol,q1.10
TdS{G ifioT T{ C{ 6.
(i,qi{.oo)
lri,ili,itq.ir
Y,01?,ii!, oo
1. tfi/srqTa ?iq
i.6ffirqcds
i. Fffi 6qq dqv +{qrft qtff angr
{ rqqtfiI Tmlql rf,{ qr4r qii
r. rTr8qr Tsffi h{ sifi qrqv. lt.fl t(.t,at t€ltlllgle ( atqtrt
q. qq ift-uti
f. irnqr fr'qfi F-{r{
10. {it
1o.1 <tff qrH <tkd
10 1 {rshm d-fi ffqr fi
io.i {q Fqfr-dr fltr q}fuq ?r+iqT
1o.Y dsRr srqR ds
1o { 6{rqiFrt risc 6lq
lo r rihd fff ds I qq dsd{
1o g TsT{l ki qidi Fr rFS rrH .fic
1o c uiq rft, ftf+l avr we aft& roq
10 1 +tr.rq fiid {{s]q iTft-d
lo.io imrii Frir'4R s]T{ Ttrffi k{ qi .fiq
10.91 3flFT qirqr
lo tl 3rq
lYt,qit,iil.tR
tt@q drFE ih'frfresqrr< *qra
RoqY qIqG q(r<ql
Ln AH-Pv (+ t. c
riFI €.qI
tn *.H.tr,t WIA Y.<
uffq drFrru d6 frfr-sicm {y ++rr r?td d-qrd
RoqY qgr6 qqtdql
rtd s{ ( t{flr r{ s{ 6.1,oq\,8{,111.ql
1tt,ic\e,ll1.q1
1. Fht tir rfu'*r vi-r)r. hisfr$r
l,eii,ql{,lq0.qi
!,!01,1{1,Y .reo
q( s{ i. Rsirr qittn ftiltmrr.sr g{EqI.E cfr{dhc, ct.{l
i,cqqloY,qll.qoiirsEfurr iirqliY,qtl.{i 10,Y1i,1!q.10liu,Yu.fl io,t{lJtY,tl i,nnc,lll,oq,[$
l,qq9,1oY,qll. qo1 q|{Cif,E1
I im qm{i
ttq,i{c,Ul.$
Rl,11i,{oo.oo)
\o,Yli,lqc.10
nqY{t.11
lo,Yli,$c 1o
ltle,Y{{.11
trei1,rJ1,1,111.q
n1,1{!,oYV ol)
GR)
+<r.d nttn qfAfr v.to{tEqdrFEfuhfr}s!- -A---L .:- --:---\ -Lqa / tqn tq (1*qt+i t (6cht + sql . l
loqv atNr6 r|-{TrirltltcP+t t.il
Rdi . hflrqht{flr
ftht$r,qr sEctfi cMht, qR[
14,q11$.!YI ehft fqi'qnq nq($ 6!
lc,{q,\\Y.<i {c,{ut,1lY.qi
lq,qll\r lY
s qdt qhl
Yllil,\eYc.il
1,t1i,i\.{i
Yc,lq1,uY({
1,\11,]Nt.{1
{r!,[1\,ilt.Ri. fttrfrt6F 61,flY,{11.lt t'r,ifl,!c1,uY iil,Y\,iq1.10 1lc,{qqu\.\lEc,ilo,qoqo
iYY.oo
Rio,qtl,Yl\.l|,)
s. q-d qm
q. {s qRT
$ | S{frI
ctr{Y,{lliq lqre,lil,\e.l.0Y lil,YYl,icllo ill,YYi,iql.1o
n ,c!{,Y1l.{ul
n\{tY,qrle qql {c,\u{,11Y.qiqlnYl$.{ ?c0,n1,!c1.\9YitlYrlttlo 11u,1{t,1\Y.tt
dt&q drFE ib'frfr-ssr{r dqr sfdr Eq;r|qr sTRr ei r+qas
RoqY qFn-6 q<I<qI
tr&{ drFE fu hfrbe 1 i l l r l I
RoqY BIFfl-d rrq|Rt{It riaq trqI
t ni.h+?E eryq+ Y.?1
T€q T.CTrl-{ sf F. ic-t<!r Tq s{ F.
1. Ts?rft TcrqrR. fqffi {crxT
+zr.+hdw t+ Y??
lrd s{ T. frsrr sq sd F.qqft-s
1 t \ tq ( (+ t (a l cq t tq r i
t l$c l t l ( .n t (a t qqn l?
i Aciq Fa4TT+] {s {qr*v i n *+zsm{ fqfuft "!niI e*t rqrqaq{ qrq {srs kirff +dc q{fud {elFid ii{r1 f{frd {f{r6{?it ful-qr {qr F€10 {q qqrfr
lo.1 ftdq rqM [{1o.l Talqd srg10 I R*ft iiFdnqr
10 Y friqt t€6wi0.{ 3rq'
11,Rs,Ylq,\oY.1t qq flrft 11qq,o{,etr.ll 1l,r91c,o ,9i1.lt
q{ qqrfr
GY)
Ln+. HlF aE{+ v.i?Gn)
tct, B+q{ acl q!-sqrq{I|-frr'( c{ I{q n' frETr q-aq
lriR {qTFR
1. *41mff
it+finfirr4r;Eir roo qDrr i' ci. t-{' "ooo q rFr
1f ilrq 4q"r ft'.rq 6114 erfti.lfoo {mlq +ql 1xA {oo +firio eit $a{ loo n T6T1 ? 6qi{{3-r hrrq nh. looo qmr"r tqr elt tqi looo n T6r1 Y illq qa qT{{ fr tYoo nqRE iiqr Fa {ri iil?q {io sfd tqr1oo n rliir
1 { irrq F#{ +{ k ltototi irsR.r +{{ FA rqlo<t ilis{-+fl rtd rlq( 1oo i TsrI q Sqlqd flftq hfi{ +d ft. ioooo rMr(lr ii-ar t61q1 1oo iT6rI $ irl?rd iTiF qle ffi{q iq}(lq fr.eoooo nqR'r irr( Fd loooo'
*;, t616 1oo i go1 c ari{E i{Fr ra lliq t{oo r,rr'F iu cF iu too . Tf,
i.1 Fac l\r"l Hi Eq4 h lrooo {rFq r-a-' rqd 1:1oo ,iFaFin qft tq' too + {fiTi 1o qg rftlrr*e nfeor trar{r A6 k toooo mrq iq{ gft $qrloo n T6-rl ii tu'i -, tft,c Fr+ h {oo crFr srr/ et iq" io i Tf'1.11 qEI qft_fiqE lrfrlr F_fnr +a h toooo nfior nql ,ft ia{
1.11 ctsqmqd llfrlr t{ftr fu fr Fooo {Mflr tqr qld ilqr loon Tsr1.1y ra{lad rftlr t{sm +6li. ioooo qrnrq tqi rld fu{ 1oo
I.l{ ffi i*iiq oqfr tq no,ooo RnRli ql-qr fid loooo a4{i{{ refi irfi ioo i 1drlls l]ft-r nE kn k{,.n oq& fu \yi{o Rmlor ia.( q?i loooo* * n6 gal tooi Tor
1.1! rillq{Is.4? ldT k $roo {lgnq i_qi !ft tqr \,{ i {6r
1.1c q{ aldiit iriq fu.rico iERrr iqr qt( tqr 1oo i r T6:I
i.qt d.sir sdid q4.{i h. t{?oo r]!nq iql rftr ilr loo i Tsr
i rc 4rql wn,iE k.tt smrlr i1l 9lniaqilooa{6i
{qe?t aq\r4r
€q{( ir\.d
(ti{d ir{+r
{'+qi i4'a
I kt<( dqr s.s {qrfr
i . 1 . . . . . . . . . .
i. iftq qq* qdm
fi-{ s{ iF qqt{r kfiq nqf €q.ttfi1. {. c. Ir. ft. +6 h.v. 4F i{r+qrT +qT +< 9r. hft-st. cqqftqqrqq 9r fi +6 ftft-s
1 . 1 q ' 4 q 1 l
{. iqq F"'dl t { tqt{Fq F€-ft lfr! { r . q ' 4 r ' r q r c r r r r r q . s
I
t-
i E q S I
i ; i { ' t - i -e i e n E -
4 6 i q - i
' t
5.
e5
v
i 5-7
a5_
a
E ,li- v 4.
e nt
E 5 t 3 3
E
cI
i fd-
6 ? g
q 9 3 . A :? d 3 . i i'; E- ,; t dz z E * " i
i 3 8 3 6 ,r ? t 7 " ,
4
q a;-
s
t
trI
a 7 t a - ' - t - A - gE.
3 V U e E
" + c - z vr * : : i
a
E.
6 t
E _ 79-
qq e q 4 ?F i E f ri z i ' ; z i
{ t q a ia t ! 2 nE ": ?. i! E" ; ; 8 5
&
!.; ;
aj = *
E r q t 3 F
r v t E 9a - . 8 ?
g . t e : a
e ; - E i - :
F
E
F E E F
E Es *: E r E F F et s E F E F F F,
F
e 9 p
€ - E F E E FE E F ' F F F F
EF
F:EF
F4€F
F,
E
b
E
a ut - - uN E Ei E - : -
! - 2 ! ? i: F - : : 9 r-
i t u q 6E F . X g 6S t E i h '
L
g t s
$ Fs'
E
D E
a E
e t
M E
gx
&
P
t7
+.17i.Hw ary{+ Y9?t6)
ttE{ drFE Am'frfrb+-qt, qrlre t fuw effi grqq
RoqY sIFItd (qt<q[ {6Ir {.srr-d s{ F. t€flr T{ S{ F.
Y,o1{,1ll.r.1
Y{,{fi,titJ0
F)tft{i. qqztsr{,T Tqffi {rqqqr
1. (qq{ l l Ev l lqnt? Yrsr ( r r l !q ' r urq l rn+i l
t vc+rft qqnflqT
. qr ( I ( tYq 4u an qqat i+ lo+ t l
r. kqh 6r,rnE (Export Document) +J Tsqi'r!.5*ftrffigwn
(o ffii qr\i T{di iffi gteFTqT
to {q Fqmdr{ ei< {RTF} gqfr tffi Ewomt
!l,tto,ttt,qq.l1
F) q{rfu(li,tYl,toY,r,ie.to qql
s F s 9 4e t r e z az a , : t r E >* F i # ; -t - z E - " 8 '
t i ? 93 ^ ? /
v 3 - " 91 9 " .
"1
F
: - 9 : . A Y
5 3 - E a f _E 9 : 2
I F
le
eE
F
e * t 9 3H i H A *N x - 7 1
5# E ct r t ;
EE
le
r r i g 3
= f l t c :
q
s : . 3 E 97 ) E Y I { *T " ; a y ' ;s r E g =
E . ? 9d E z '
= - - - E ;
t t Y : + 2 e :
E
. p
I Y F € . F€ - - E : & F.F 'F "F .F .F
E E P P E EF E = g F E O
@
;!E'
l0!
lr ltsP E
6 .8. -E € F . I J.F 'F € E
g G 6 = =
Ew
I
!
=e
!9
E
' * z 2 z ** - * 3 B 95 - - - ;
S FH P$'
ts
tJ)
e _ Ft E ilN, tu Ee b ' >
g
tn.&.hdw aEq+ Y.1x
{Eq qitiq +€ frfresir dtuF sqtuIOqY {NG {(RfqI
?6C 6 rr
rir s{ T. ft+fi(qfrr-6R rtd frfr
ffi4r€Iw tr ltur sqtu {.
ctdmdff Sd qos fh-s er.h 10iR.o{.11lq%
H aqT +ftYr rrtc toql.ot.1,{fl,?1c.qi*i' aqi fqr oftc toql.o?.i l
{g qqiR
6Fd1-i 6.fu loi l .ol.Rl\9{% !,{o1,YlY 1{
loqi ol. lo
ftsfr$ rnF€ loEl ol +rqid t6'{ff{ 10t1.oi.t l
i,ql,tY!.ol toql.ot. i l\,Yiq,,cqE.ii\"n icrq to\1.oi. i1100%
ffiq {r1r iS 100y" {,U1,oci . iq
Arrq ifr€{E rri'€ \e{%
A-flr w loq1.5.11qdq ififfir to{q.i .qi100%
Mq,qtu.oi)
{*T €rdftY{ q€r{c ?oii . i .1FadT TFrcri toqt.t. l<
lq\e,loq lel oqi. i .13qr,i,11Y.qY
fuffi{ {d-qq\o%
ffl i-.q s{i,r \o0/"
{d-{c €Tq qe/"
?oql { .Y
loqi. i .crrq h{ir qdr6i ?oqY.ol i l ?{%qflE sqTqri loqY ol ii U%
loqY ol ll l{%
1t3,i to io oq1.s.9ilrsl
TS €T{ ?oqt. i . i let\,11{.{o
?oqt. i . i
( t1)
ird i{ r. {ot { !I'fd {c i'lili ft lt6r {qft{fl{ rdd hfr
qqftftr{qturwn
iiruffi c-cflTc( t{ fisr iqfr i.
rtirr({F{frEE ifiq pq1.t.tdr s]kd ldFr tofi.1.1
plllq.\0 (d xL{ 10ti.t.t Yti,ci1.q. l{Y,q11.1{R11,10{.1Y)q Tqn i{reritrq 10q11.11 l0%
aql-r6 qrfi irin i01t.t.it\el,ttle. sl irft qrq 10Ri. i u(%
fql qr qr€R toR.t. cqY,!,1i.oo10i,1cq.\oFfiqid ETq ldq re{% ?o!,1*.11
Fft (Fi{ hq ioql.c.1lqcct n{i h{ loqi. i . i?fi{iqff h-m{. 1,q!q,{i.oq \otIffir 6rd4h
11t,"it.qiqlo 'r-or qqn loql Y 01 l,1i{,ooo oo {0%{le,el\e.oosil rldr ioll Y.01 cil,oYi.YY YEl,ol1 \el ! i l ,oT.$l
r-F ri$ ed qr,,i\e{ 0o I q1,lLrc..00qTFdl rnil $3R loql.oc.ll u0,000.0o I uo,ooo oofrR{ €H loll.oq.{ {0% U{,1U.oohrq bsE T{i,l FfrlTr ?oll.oc ?1$ i+ss loll.oq.n \0%l 10t,1{o ooTc qidi Pql.oc 11 to%l ito,ooo oo
loE?.oq.il lll,ooo.oo,i.lrt fld{c{ rcq1oc.l1 1Yt, l t1r(
' lqnrir ffqFi d{ loll.oq.{Y{\,qu.tr3lo% llo,c?Le.lY
{rdqi {RBri loll.oc.{ {o'lEi rdl wn{i-q b-rn3E si{r fiift 10Ei.i.i0 lo%qlq F ffii lotl.l.lc I tYJLl l tY3lrr{sllq {€r 6,tr 10e,\ql.qq{1%irnfr i Ffu io{i.oi.11 1\1Y.{i
$q,*q.q{ q]{ b-fir qrdn tot?.t.tl iql,rct.titq {]s t0qi.?.* tYq,l{t.{l 10i,YE.likio hnn toti.1.il
\oy,iqo,0lY.o{(r{ tot loqi.t.iq Yl?,00lll rqi,ool! l
10qlt.lt x0,1 t1t,1q.{1t0qi.i.iq lo91ioti.?.lq tt0,lqt.ti \ovl
iI{ {dl 10ti i.K
{6rc$ gTit{{ toqi 1.1! 111,i1{.1110t?.i.1!
a{ { €r? afr( Hl iot i.to
( Y o )
qil qq n {t cr lrfsi fl{ }r{lkftrcffiqar ltd fri(
f{ it{ lhr rqfr rfl!.
itf,rfr!(cqlqc lk lihr rqfr i.
{t{n TFII N.
{xrt ir€'iq( loqi oY oi 1{%rdc zifqrq loti.i.i1
l o q l 1 qtuft h-ir{d €i{ 1oqi.1crqE tnr 9q
F"i,,r )hir W! Eia]ft.nCqi €v{ft ?oR.1.1Lrflq e€{ rcqi.1.tr 9,lirJ,{oo oo
loll.otL lY l{efl-6 qfr( hff *-d loti ol lYili II-dT q!3R
ffis srq qrdR
rfl t4i {q h{ ll0,0o0 00
mr{ ft6{ d{ fri 10q1.01.!E 100%
q{ElfiT qe{
rqF{ qE €I$ 1i0,00o.00 Ei0,000,00
flt ql{ {"€IrINr{ {dlfl lor9.o? ?1 100%
ailn qhh d h-q toqo 01lq(o.tt)€tF
qd firqlr qH ?oiLi 011r 1X%l{9{
c{cfr i-dr loqi 0q.1( l{9{fl,ri ++ €l-d
nffi Fclr led loqi.or,l\ 1,101,t11.11{q rffi srqdcr lolr ol tlr|Fffffiffi totl.t.lYdrmh iffarci 10q1\ { s\,1 trY0q,lel.{l
loEl.1.lY )ri,1sq i?hftqr qI{ r{t'r toqt \.tY ls\% 1,ist,ot1.il
ii?,1!\e.11 ioqi.\.tYl0qi.1.lY !'19
i!,{,qi.il tu-(q q? t{r iot. l .K?oqi.?.11l0qil.11
fR rff {qrqri 10!l.i.rEloqi.i.lcroti i ?q
F is ls-C tofi i.lq10(i. i .1t
ftro q"c ht( 'rdr 10qi.i.l1{rT1 {i{ hd lo.\Y oi ?i 1{%
(Yl)
q-( qt T. {fi TITAd qbmr lRfrfrsqtixER !t& hfr
s ft lt{r xqfr r{cd
iffiq{qlE( iE {fimtu T.
!ii!r'{lotY.oi.?1 ll9i1orrv.01tl i{%
liR \Tr.?s{ 10!Y.01i1 1{%m tE* loqY 0l ll 1\%
{F]IqE 10iY.o?.11 l{% lql,lqY.Y0€R !!i T{d 10rrY.0l l1 t{9qfr rir hd 10q1.(lY {o'lrd hrilr tqr io!i.q.lY {09( to!r?t\ 00
icrff rdrriiq i0\i.Y.1\ \oy,tfi qrd frq{ iE{ loq1.Y.l{
1,{1{,tY{.0ific Fr loqi.1! i,1{,v1{.0q il9 i,11o,lou.iqt11,YYlq1ksTsqi # ioqlq.lc 1,i11,i1i.q1\cv,
h{ kid qF loli.oq ?i U%iRrCr .k fr-{ lolY.oi.li i,il1,ooo oo 1{% qii,?Ys.oo 1Y1q,s'it oo
g{ei,YYQ ql ifr tnn loqt.1.l{ \4"1.qfiftc 10R.1.?r x09 i,oqllxo.oo
Rt,qqY.{i 10qi.111 1091
ftRrfr sriffi 10qi.01.11s.r{$ 11o0,1...11)
(wtr{Yo.1t)\oy,+tdc flqils
w qqr ?{,\t1,qll1q nl,Yc{,0|'9.10 11o,1iisq.q
(YR)
[t-q{sr
It. r.rr< +ern
l r . q , r r r i r q 1 r t r r q . n r q r { | r
It. 6qiqT sTc rFi si+1 aTq
l e $ : q T E T T q r r d t qlY.
qgq lTli Eiff sft{r{
It. s€l iari
T * 1t FqiIFI flTet r qtfi
\r. iifuq TsTftq qFi€ TirE
1. xTriq irq G-f rrl-d)
ro. ftir g.nr ErE +1 tfrr.tqq I q{sr
11. Bfri6{ q{ sidr q=i
1r srrcr ftrff{ li{rE
11. {il
rl.1 ic|{ fu ftfirtc qrE)il.r ftffi$ErrT qiz €i tq{ TsTffli.r ren {*di qr. qi tfi TmI{tll.Y ttrqtt{ ff{r qq T+A
9t.{ s..fit ffi4R
li.t qfo-c qirfiqE)
li.s qq
fe,lvo,ell,lqo.?l)
ufu arFE ib-hfr-setq{qfr
loqY flq|-6 qq|-<ql r€q r.qr
InIhdffi 3''1{* Y ztq,)qE{ dfirs tu frfr.s{q (qfu (qq kfisr)
RoqY qNtdqgf<ql (6q cqT
t?r.+.hdq,r aETri v.ff
q-( s{ n tfi{rr1 4{$q
1 E.iifu rTtq iE qRq i srtqEr crftT
+qirT qTg-iqi qTE
h* qfir Isrft k6r grqdflqT frllTa t'{R
Ln +h&E BE{& Y ?1,
Td s{ F. tficr css{G
{lY,ok,q?.q.{l
t:+r{r !T{ qTff cd i-r rtcri afte *fR fldst{dc{f,6 gr 16q)(o t cfr-rT q<r Fc aFfrRl
{o t {|ra q'qr {& 3Ek{l
T{ lTqFI{ rn(r4T lTirdi6
(4) ftg qlg
(o ctFit{ qrd
trt) {nT qt[.&/ Srg
Tmr er grnr y eifr *n vrnfiFcrd \'ffi-d Fd"l€ai std ffi-d65
qqiri nql iqqr (Acc€ImCe d Lnd06eme0t)
yRrrrq yrnq4nr ( undenrTrnng uoftnlfoent)
oofrrd ali gh*m nneuocable Loan Comnimenl)
anrdfu 44r'{a ffi +rura rqn!ffqr tiqdt qMqur Im rr lqtruct lAovance ya]Defi Uuifant€€)
1.
10
11.
fi.
11.
Income Tax)
\11,t11,1q111
110,q0t,{oi.lu
1tq,ireti1ti.Y0l,qll,soo,\Yq.?o
v$qaftr@fufrfreFRwrfr(qTfo-d66RoqY qNr6 {{t<qT rF{ r.rn
( Y Y )
l.?7.Lffi/q qW+ v.1s
tt&q drFrs ib'frfr.sc q t q q t + q l i I
ftfr toti qr{oT 1 ?k Ro!,y qrsr6 Rl {qdr .€q 6.qr
T{ s{ F. t{ffr {{E{6.
€ 6-qi srre { qftfrtEffl
{ , o,eti . i t
1Y1,1ol,?q1.ooq. i{qlfrqr ilY,eq,liR.ts
lYr,,1ol,?qi.oof. icrq TrTriql E!rr{
{F) lqft Hw
(q) llrqq' qqfr F4
I friqft qqq{(6)
i. iqie irq ful €"r"11v fufqq qqr qrs
lal q.n/ tqll q (]+rIFtb
(o frq ii{srf,F
11Y,s\n,l!1.1eq\ei,l?i,so\ sq
tY,M111e.ooq. qffi +qKqI Rq,lqo,t{{.oq
iY,\i9,9i\e oo
t. sirt iozffiq risrast. ft?st +fd6 tl,tto,t{{.ot
l{,111,!uo.ooI +qcf l r q+/ tqntq (e l6F
r. kRft +{6F?q,Bq?.Yl
1 . n rc r$ac q !n lg l t ru la
- ^ - s - ,L i ! - rI q r ( l ( qq / lq ( lq ( l tqL aqL
l. {iI
l,lql,cl\,lYl.cre l,i{q,1Yo,\Yi.oi
{Yr.)
rK ET F. frTrur {{ ?d 6.s. frfrc slfufrqr
tqq,t JoSLe.oo
t,ii\,'!it.\r1
t,i\!,'qR.reR
I T{ft frAc1.1 Rht T1.1 fqisft T{r
r. q-fi frA{i.l E,iqft Fn
l.t FaAsft TdTi. qri-{t sq( kfril fr*c
t.l F4irft Tcli.i t{{sft {n
v. (tS6'S'c qs'BQhr(
lq1,to?,1{o.i l
11v,1lY,o'!i.il
c. Fqi qrrcqr l3,c{!q1{.13
lq,i\eo,il\e oo
i €ITTT nqr qw
r. iqrq ne icqre qm rqit. qq{ +d/ffiq Ferr FslY. e1q ff5d FtqT
{ . rrq aef
1.8ffi EnEqrI, {RIqT
q{o,1lt,E1i.el qEIT
t n +.h{?E q1A v.rsIEudrFrro ih'frfrb
qrq qqfqit lorrl fiqrr I ifu loty 3TrqG ll <rq+J r{.rT F.qT
(Yi)
tq-{or T{ s{ F.
s. fuRqft{Rcr k€rs€i9,?Y{.oo qsiloo.i i
?qR,1ir,qtq.rYq. sfr{r{ iil,i{1,ilt.uq
c,R,ool,Yi l .oo
t\,cl{,qo1.ct
t?Y,1to.oo
1. std{Fi
i oi'sc s1Y. ift{b{ $t
i. +q-{ Fsntfu/ftqrqnL:. lrr+rt fi*'qR srFdq 5 9T 4kqtq q-TER
1 +gr wr<rftT. {ei
l . +u l l 9 lnq6. r l ld l '
io,R31,3re?.11
t.(.*.h{{rr Wt+ v. ?att@ drFIE d6 frRt.s
efuqr{nqrb€rc€ffi ees3 ETqrT 1 elq cot r rnsrd tr qFc-d'
liFI T.qI
(Y\9)
r|d s{ 6. ifier T{ S{ €.r. Qs Htrc ,r€sir qrerf. *'ffi frqren (qr rfrFirri aIr,t +n* tqw{rr nqT q4-filT
x. tiwzfu.fu.t.. t-ar eIdFt. n=fisrlT ef6Te. {q
qE 1tt,tY3,i iq.1,t
ctfttldfirs{r46frfr-sqq sqfdFt qfErfr
tci4 ?oqB qIaET I ?fu ror / eTfsrd ll qq+l
t n.+.fadal WeA Y.??
l.?r.*.h*F EWfr Y.??{rfusdrFarfuhfresvafiqe*E qr<rfrrif<n
fufr loqt {|Err 1 ifu Rolv qiqra lt erq-+}T+'q F-TTI
ir{ S{ F. fq-{(!r T{ s{ F.(F) fEftF{ {{qr qF+} s-a.Fqrz@) tatqff $T 6fiqr.s1z (qET sres)
qqrqrRrfr/(iRl{)
( Y c )
ttQu drFer fu frfr-so.dqrtqd
fufh ioql {|4vr I ?f€ ioqy 3l1q|d tR ({q+l
t n l.h+w sl{* v ?t
f4q F.qT
qrri qStqi qq
fqft lotri rrrqq I ?fu toqy i{srd il {q*l T€rr r.qT
riic qi66 qfliiqr $ criq{+] qrflT sri qqdr n €rfi ri.|{Fcr q{ qnrs{ cii | {q {imq rftiFqr rnq qrei dnr r q<n€qrd4 sfutd_al +&Fal M€qiqT q\rd qidqrd qq ,iisF€ sFild Trtdt q.*, q<rk "qq €'*" qr s.fis1cfu L
( {o)
rn f i5 -
- l
_ lI
.,11,1qr.\ i l i
. - l
",oq1,i"r r j .- l
t ,1,1,1! rc l rr
l i
L q€I3r
r. {fr@{qrftt. q{F dqr {qR
r a ) + i q i . . . . . . . .
(q) {artr RrE-{ . .Gt) 3rRr .. . . . . . ._... . .
Y. *qr{. qNq, eAR, tffiq, wqrtr\. aTqfdc grfiflT r6tiq{ { lfF{|t,9. rIFst cffii { €dc. q{rd< ( EfTd1. q?ch+r dqr' gR6t o k c n
:: g"dtt. Fqre-€ {fri( qqfr q{
(El *r+ rm' .............
tv. srsnor s'qT qqdt soiu.ffiqqrq*
(6J ff ietq {@.... . . . . . . . . . .@) 3i--.c qd ... . . . . . . . . . .-
ti; T€q e]nrtr{lr 6furl{l\e. efi-i fufuqr F|ilfifi]q. T{ s-q[{{ qq Brq+qqt3. r]Ti frq]fi qdto. eiiftr+ +{r dsrd
tr. qcnq{ €dR. grffi qd
tY i6-ql T{qrT fuFt-{qIt. 6fqqn ( ru-€israit. 4ntG.l gqq
ts.t ql-n r{d:ff ofu{qrl.t R1]cM qq
ii.Y Fql qgfr q{
R.{ F{5ftt qritl.q 6r qqr ffiit \e {RTFFFTR.c Tfl-q (l-qr qaGr-{
ri.3 +-qi q{dl g.eT<S.to Gdtq.11 qiq.n {@
' ' ' ' " ' - ' l
II
- l
III
i<t * HPm a!7+ r' lt
nE{ dtFrs fu'frfr-(smkTiFRriTq{q[
fufr toti Erqsr 1 ?f RoqY qrs|6 i? sqd
1|(S{F. fr{{q T{S{G
{1i,\ir,,iil.qq l. :r'qi +*srfr e-*grcr qq+l Sfrr. <rnft ffi qsqrcr qc{l Sful. i-i iforr qqfu iwrft e-*env. qq sqkqr ffi\rd q{qr
iio,{qq,{is.$q
i6q,3tl,\eii.lq
({l )
tl&q drFH &6'frfr}sfu{q-qqqrqffr7qtffrc
trffr toli qrqor I ?fu toqY i{rqra i? qrnd
er@drFEfufrfrbqqrt+affiqqs|-{|-en5-dt
lqid ?o!l rflTsr 1 Ei€ loty sTrqld il {qiir
a n +.Fmi 3nq4 Y. ?l
n n .q rqc l tn q1a4t ' 1v
t|-( q{ 6. t{Trtr { {s{F.t . $rffi Fatsra qrqrft/ (ittr|{)
r. {qfu ffirqre qrqrffz (l}-wrqt
q"{ rrc FqFr{ q[E.rfr/c{t{IF{)
rrf, s{ F. ffi{lT Tq sd G.II
I .q;q qqffi zzrq-{qrqE H
1,U{,re!1,t{1.1o qql
( tR)
t v.t Mlrr W{* v.?.q&qdfitgib frfrb
qqrqrq aR-{r€rqrs qq+} qr<fftzqdffi qoqi ,{|E{r 1 ?fu loty qrsr6 tR vq6t
aqq T.qTrl-( S{ F. Pfii"T q{ s{ F.
i i , i lo,yY9 oo
(i,c,o1,{v1,r.reo.Y1)
L or \c iq r iqar aqr+r q lq l
1 . fq tz4 .n qqq 'c t qq
I qTiI Eq r{ff Fqror qqqtn t iq+i
r rq c=iz qrqrff
{. ql: 6qt qctq{d eftr*re F6-di {M qrr€Tl
(q, t,tiY.q\s)
i i , i3o,Y!1.oo 9{{,3'eq,{!o.tj
lu
il&
E wE: I'
1r- l&E FE Vl&
c
x
F t 9
EEE i t
lq
g
Yl & t
EE
E
AE
F
g
la'
K FF
E
li la
l!
KK
tt&El&'
'tuls
G$
ZRT \
&. v!. E vt * Y
4 . Ftt
IrD
dg
6'
tvID
lit
tt8:
F
Fp4€B
l!-
F
F
ts
#
({Y)
.G:n,
I
l&
Fv
e
F ? ,
! "
't&
v
4 l
lstsF@ ; ;
v-
-t&l&
@ ; -
Y
E&
IU
t & F
E - d
P.
F'
a - -
l&
E
A
t+
,E
F
F
4r.
t!'8"
Ee
F
F'Et
v
S Fh a E
t €. F 1 9
rid d
ht
6
P
e . E$ gh l ' d
E t sV F
I r L
,E ELr a E F '
'E 'ic Ef i t l t * 'F E I F F( ] Y t s F r . :i c 6 t r E4 A E p gD * E El D t s . ) t s
,Et t! > t4\E nr ur, 1;I - E i ' - E ,I t F r rM V €
. E * - 5 .l y Y . t r
F €F. "Ft 9 E
F 6 t, - t,^_ It
E Ep ' v'Et5
p
e
,p
tl-'lirh
bElEL'
b
tt@{ drFE fu'frfr-gA.T.fh&n qlp-fr Y.eo
FFII €. EqRqT
tfi{"r qq s{(o$qkstft
1) Tsr {frir !'ru"{ frqaqit fu-ai ar) q,nb6rz gT{yr qmPq qief qin
{r qiqa nw ,drsnrq) tff n6-dt Fir€T 41ser +ff TqFiI{{ q'lq
q) irq €irq iilsr-rqarei :
- @rft (Goodu,ill) Ercd?i -6q- {tqtr<r E-dT dmfi q@ -6q- {qrqfr-{ ?rqt (Ficlitious Assers)- ffiq ei'ird rqffi iiliirrqr r,Trft rS.6q
(1o,c\1,itc,.1Y)
6)T€{*1r r-o +-ei+1 ffi rriryir a-qi 'irffirir .T{*qrt' ceft Tia'rc drsir ar{ks Sff srfflrd{v1 $rrq a{TM q-drsfi qTEfu-+ alT{) s-dft {Rr+<or dsr) qftftFq,-qt ffiq-{RTst qrrffi {qrqts{ a}qc) {.llfi-fi 6fft srcfr+1 q{sr
lls,ir.o.oo
O qqr f{-dq (d+q) (1c,trs3,1ls.1!)
s; Afrc flfti{ {qfufr {qnqr Fm{ rrfr+ qrdt tg-6iqqffiq {rl efrq-rcrqff+ qff (r ro efu{rer 1,ci1,si111
tft+lq (rrihs/qT) rtv.rE cfhlTn{ qatvmk+ Eq 1on"r*, (Yq.c.o yftlrffd qr)
(lt,ltq,{st.1c)
u,q)
t:
FF
tf*
\ 9
ti,
: q
sF 1
a
44
i5
Fv:
8.t 5 5
,
iFt ; 3
Lt
FF
E€
*
&
t6.
q 3tq
,
E
t
q
i{ d
6
I
F
3 'j
n ,l
5.n
s3.
g"o
t5
5
6
E
J
o
F,FFFF
fF
FEF
fEfP,F
EE
f
fEFfHf
F
v
EEEE,F
fF
E€
Fg
EFEft
fF
EFE
fF
fDE
I
Fg6"Ev?,E
,FFE,FE,E{ ] 4
6 €
t",F
F g
f;F
fF
e;
:
Ft,EFf
TE
f?g
f
FrfFa&,
F
fEFT,
I,Ec
ffF
gEE
,F€F
€
E,
ffF
EF
EFF,FFg$.f
F
G
FxE{
f
tEFE
FvE
{
€
FF€
EEF
HfF;
&,
Fu:E
€
$tE{ $
Ht€
Ef F
.E
€
EEFFEfc
FF
EEeF
({u)
l$-
kB-
i t FE , ' ,@ f r
E \R ' -tsr l&I A l g
E t s
| | Fvv
E
\ FF K
F5
d ,
3
{
6 ?
4 B
g
E .E E b1; c
E
Etrs &E &FE E
€ EFtrv, P
F&
FH
E
F.FE
aaF.FF
6;
E
&t
P
K
FEtr
E
E"H
F
t!"
t5
t;
H
.E
EtE.;
E
I
E"EF
F.
ttu
F
FF-
iElE.
{
E]'El/E
,E
EF]&
\l{ ls' E F
C E ^
ls
ia
E
;ti.tr'
F
E
p
b
F.FF, F"
l5
E
G
E.
Ei tr,, E FE €u = -E f
E V
F . t rd r E
E
l&
F' 5-
E5
r
E'Hi
E E
E b vE E E
55-
3
dc
)z'l&
Flf
'E
rHE
EE
iaE E
4E
g
F
F't&
,9.EE
EF
let7 .tz E
F
G
,E
P
(r, c, )
lr'
l9
u
Ig
E *
w 6
F,F
ht
t#lvtr)
B
1.o
tt@ flFr${ + sr{{*: v.R
wffis q{ RoiR//oqY
ctq frcr Afu'd-d
t{tsq tffcr aqn rqf w{qq{ qftrr+r qreradrffi ffiq tfi<trd{q;r qew eqr xird rStr6i'r l]ri gdfiT rt+T nqr dqr qRf-ff{qr{ffi-6{ fu fchd nqf+T g*qfq fgAf\Tff (C"oeraly Accepted Accounting principtes,
GAAP), i]l{TiT qGf qtqEw CNepalAccounting Standards) iCTF{ ?t€ +FdRI (I{q Tlsr{qtqrfr rrft\rT fr&tl-dt trqr iqr+qr ifuq q{qr+qr rqft-a q{flTr{ a1w ie+r ta<. rr{qqT gaq rTg}qr qri4' ++i frqjnfr i-eiqi{ qrnr (Accrual Basis) ftTr qfrdrk€qFrT m.IRnlT I Hisrorjcal Cosr Concepr) Frf* Aqfrdqd g rffiq tfi{nrET iqrq rS +6dm d@ aiqrqr vq< r@ e r
Rqr sqfu eqf m{ F-{frleR seftid qaeq]-qqT qats er+ tn-qCi .trwri fclE iiqiE\.+} a r rqi emdqiqqffi Fcqr q4rRC-6r qqfr srt-+Er Fqhed Efh'drfuE arrrd e&?rRs[ 3r.ftqAqiF{ lftq-+} d I FTI{ q-Eff qri q4qi d|q Fqr* (wdtten Down) Fi qTaraqT rirl-{T
Fry VFTli|cI dl-q 6{e|-+I EJ ?ir{6{ qq, eo{c qT qGJf{:T qqffi 3-8fu-4 e-,q|gqr.nrqr qrtrg+J A r i . '
er"<q,cefuqni wr++t !:"r fu r{qnq{ rrft Eq qsqT ?qE\rd E I
qrq-€{ q{FIiT{ ertli-d qqqr ffi rrd erf{i6 q{F€+l Tq qnftfu E{qil6{ *?q sTraqr gqrqj-qc fiiqH cqiq sfu-d +firr+ €fin errqqr{ qTq'd q+*qT rr@ +{ r
qrrfiqtqTfr €'TrftF€dr{ wr *q irrTr {qR fr{ q?i q-{ err a4 S ?Tr.Tr.cT qsi€{ qft\Gdg | qlrffqi qqR {iq qaq qi-eT q<r 6q q\r+1 qae{rqr d aq rTqd arq q{eII!TL{+l {r*qtnr T,Tdffi d atr{ {@ q{qf {FrT e11i rqn rrftqrq} a r(fi-"( qrrfrqfl irnftr€Si {qisq qrq ffiI Bndlrqr .rftt'di e < T{q qJ-q q{rqdrroq q+<qr qftqqi g I
qeff qe+s nqrQ-q-rqqli qcfi qcsc-dni 4Tqrftfi qfsr ,/ frmr d?ir g qariF{ qr$T / il-ffir+qlqftffilT qftei$r Er It+isft qqrqr (-mT sqRr aqr ffi *skd qlqn << (qfts({dcrffi*qfr)qr fu-6{ qfttr+l9 i fti?st Trrlrr €sr rqfti aqr <rfueqri s,}qd erq-r Tqi6{/Tfi{qia{ rrft Si qqP*dr <cewr q\-+l.F-.rdTii qE€t qrqd qn{zffiqi' ncqr iqrgql M 3 1 r
{ . \
<.{
R.Y
(qo)
ffi-< aqr qtt( R4i +{qii wrm+J +nq-qre e{ 3Trgi rrsr i irflTTqd fihtfrft'rq qmr z frwn+f l-rcr +qr.FE rr@ g r qrt {q Eriq;I vrfr s--{6- +RTc-F. t\e,R,io,{qs,. oq qr{ ffiT nj'trfd eftaxT qti iff{'+l a r
R.{ futrFs. qqfufi.{r+ 3Trffi6 qriF{qT fo itce <qffi v6R rri aqrcr i{ftqfr rrfq'+l qer rlTr {fiRrt i r l -q t 4t r ta- l t tc . l+ t qr4t 4tqt lq t d_4i q1t ++t u * j t q_q.1L5 s i t i l? qt i t drgt+- j r t i
rri'rftr€r rriii+ q"i io.r qr +l iqq ?rE ffi iaism tE-{ y orl oq qrin\-qqcntJ rti q"ltqt HTeqiI rll{ol qal aeTI Eql|{ qF rI<I 3Itq4I t-liFl qT6I T'I-{T 7T atTI
a S qqqd qran qr.ft ia ilF+e qqM nqr{ qFq+i g I q-{ qrffi€ q,{q-r iqrq4Y ++isT ffia Qoty ')y li at i;reqH irriTiqq q-fit? Fa 4I aiq?n fd{qiT qifr qraraqT qTnT T{ Ac g cr +d iiag. qrqif,s;l Fqr€{ ,Ti'Tat' E I qq iafuF6r qlqifrqr
5r+a!r rrfryn fu r
R.q q'a rir;' r 1,ooo r1q1 6q d {qif,qrg {qfi €141ql rfr6rlT Trt iq"} qrFf i-a-|nqrarqr q* iteg+) e r
R.s slqrft ncl qq qffq nqr frkf,€
R.\e.q qrq qrqritFqr qrcdqr ari:ia qnr 3nqrfu -{16r ;ifflr+ iFqrqqr rrE sriqdr ?rruT.qr '{-E-iTgirTgg4r E I
EFlrft-qr aftid q|q qFerffi qqi{dl qr4R (Accrual Basis) qr ieiaq rrR\rid a r
R.s.R Fftwq qrRrfiga <er offm ur.erfi-e€ $TE glffir qrdF ( cash Basis) qT 3{rRifr q{rggdl B' | f,sTi\(lT+Tfr Fr'frqR er-td $q Ei efueT{ eTr4R (Accruat Basis) qT3{rETdT T{rJqEi B\ |
R.e.R qlqi{I qrRrfrffi qmni sTR rr+ qP++r< e+rfua m qfr qr{qt.qr dFlial er<rt d<iqrff q-drr(Acdual Basis) Cr qr<lfr q-CrE\.+l A r
10.v q'q qdirdfi "rTr qrc&q qqra rrf/qfir qrq qft 9-?aTrdT lr"tr? (Accruat Ba\is) qT qqimE
r @ s r
R.c Fqt pnr&Fl qtt+Fr, q+qr <qr qqiqqilc6r rqni 6ni qpz'tri qcrq 'TE ++q:T iqirr{ ddriilc qirq aqr ?irra .Fniqlsftiqror lM g r sr* tnftaq +raiqni qqerq, rrflqq dfi €Tq qriqr qFi€flrd'qm tl r Ffl gTqzrfi "-rn+a ir.srcT aqrr rrq ;rqq zrq ir+;i itti;+r ezqrk{r4 rft €I +f q+sr rrft\'+} i{ i sT+ qci-tr qdtsq fuI q{err qriqqqerqit A-ft +eid{]n qq q{elT IFi sq46 6rft F.{ql,i\E,y1ql1o qfhko q+qr.TiTT rpriT d I
T{(Ii.fir ffir T{.dlffimrlr rrR'+i 4'-ql6{cT qi-d iqrq <rE M ftftm est&qEqt qffi qq-*{r rrf'mir g r
R.l ti|{{ q{(qTqq qr.e.qr 6{qt diRr qrrer fer{6rll n. llq,i{l,csRr33 qaiql qM d I
R.1o qrqrn iT{rt ndFktTERr ?il.q vqtffiq riqkd rrSr+qni N (Deferred) qFqrift+J fiqr futq{qrer d I FqETq 3lfi Tqiil4;T qffir qrftT grq lrq?ir ?r;rd11 Tcr a-fl?1=1rqr€qq <ftd irqrk iqrq {E d4qrc arRr isif qEr;rdt icqr rM g < RR"1Effi {d,iiqq q-qr qFre!3 ro - {-dr{T 3t{dr;rq;i rierq;+ aur qr+rft sazardrlqfu 0eS -20: accountngFor Govemmeni Crants and Disclosure for Goverffnent AssFtancela-gw 5r qun fu'+{ rrftqqi'd I
1.11 Fdqrt qq-ffi gfrqrF{eriqrfr q++rqT {frqr qqdt qtk{F€ actuary valuation +1 i{r4Rqt q+e.{r ,Tft(qf+ld Eiqc€qrg nkq srfrriq ++ 3r{flsr alqqr r+qr;d{ € ffi ftfu rtsfr e rq{ qtfii+ qqqr fr.{!r+ q++rqr qqdl Erfu-€6€ Actuary Vatuation rrft@qT Actuary 4lqRqrT Emfuq Friqrfldl q++nr r{lr qqfu'a +lqalrqr cTq -+Tirt ciq qrftld Ed-qr$d .Ti frtd si1Fc 4{T qrs.qr T. yyo,ooo,oooloo qagl 1@ 35 r frr+qi c51qclT {6q dfr qrf+4 qli'qr * qtd rit qftqeiqr 6rq rTq-61 Hld qftqiiTerz E€qr rFiqld] r6q E g,9o d,e1l. /iotoo lTFrff glr eII q. ?EqT T]i rfifi A I
111 Qfqa q++rvr rirq<rTqi--,.q.' r!.r.!, df-rf q1nTfr Bi tFilf1a-dtB qqq rliqtn qiF{B .aJ"1 qr,1q,,
{6q { i,le\eY,\e{qtoo ts q'rfli4 SqCr i Sri itgq-+} E | '
R.ii h{rd qdar r€{6{zwtef qs'{s E{+r r€rrfi €q gdrT *{q qiTgq-+l qrftr fuln e{or r+ft-cqrgdqr riqt"i?'?q rr@ g r
(qR)
rrEq slnq fu sf${*: v.ii
q|ffi6 s{ Roql/oqY
*er qRiq ffi6{
1 .
R,
rirqr tq-qr{ tffiq. qi;€I <qr 3{;q tnmre+1 er<Pa qlirot tdqrs FreTq ftqik irqR
r@l *{ |qq rri'qr q'qi rqr;ir q.q'r 4'qT Tq;1 rl-qir f+q?qr ;iaR f?iT ia+ r
qE qt{qr fuAc qrfu€qr qqdr qf{qik idrq e*tqq e :
helcqr qtq( qrqar
iFqi slce (qI qrTrilql q'}q-d alrq E{qc fiR',
. T1fti6 iiTdcr i{mrid
rqi, fh*q nqT s|{qrd qrtdGl 4rirqT(qr qP.rikd 4Tffii sRtsT iErq {+irfuq d I
k+t"I qqf qr{s nqlP{q qft(
mc(qrsrc&
loqY ?,IF[d q{fi<{qi
iFrq 4'ri-flT
rrRrr*l qrnqRR,loq,loo,ooo
oi r+ rar*t Trr@t EnTqR sftqrd
i . c l %
oqi qqnc{ fqfirqKd}, RoqR qfrfuq *iqrqo qfrffi Htd loqllcliu qT qfui' jYqs *
+cc*e qqd Ffltqr.r€R 4{ qI q.rfi kffrq aftraeee -r.sq € c+ {ieT aq+ F q,{t,liYlEs {qM Rs n. l,qqs,lc1,qtlEq .Eqi ?,Iqeq{ rl-ft n*q FrqiqqqT iereq q{iqd e t {qti
sqir's fuk qfifuqfi +slq"1 ffi {ftd\-+] @r+qr r+{rdr ffiq ;rrqiqqqT 3n<rfr qfat]qir ii I
q-{ts IFIiF stfird
r( 4q qn qq {€ITo/o
li. \e\e
I qird l, ioo,ol i , i i {
I-l Lis,
r t r t .n t qq.L lqn- er
*v< qrtm qrwc< qq<
eIEffi sn"araqr sffi 6qrq1ffi efi-fiq rr||q4] &q r+4i qrr.nl {q,ir F;rempndr q+ qTra tqq+l d{ r
ia<r< kqrq rcq6r +qwdl6l qffr q+sr :tdqr+ kqrq lrtg+r ri-qrffdt+1 lifir q{gr qilif ?o!i qTqT6 qqT(qf r.111,3?i,ocar(,1 rf,ST-qr qg enRi6 q{qr trqTq fu-qrq "FFlxt H g-,Tfl qi?I
4RqiflZ !6 4t€lT {+qFf gfqrd T€q loqY 3IF{|d {qln|qT t. qlt,oc1,q3lt-q6 a6q rrg+l 11 |
---6- - j-- - -o.q GqFa{f 4mF 7F-41 qT<FT rdrr 5 ql{,oqo,r(,il- +j frlE- |{{i!' +{r44r TTq d I
i-r.d. kewr TSIT F.
i . ri -:!-_--q . ( t i t q q ( 1 6 t l i o , q q { , Y i o l -
t . lo q ,Rs{ , o l ( , t -t . rtrrf<q r=.fs 1 9 , o o o j o o o i -
t q i l + r 9 . 5 t t 1 c } l n r t . l l l l c , \ e o o , ! 9 i Y l -
s-q( fFsr{qr qlqrrec xTqol r+q I t , tEo ,11Rr -iaiqa qrqfdrdr l1c , c \e < , , { s , < l -
i(.qI qi{,ocl,qe,lt-
q.t srutfuc;|.{ tRqr dlqrslqt4' "sd Tffr frrq erq*.rdR iiq{qT \r{ stfsrrot Ern F \eq,reorooot-qrqiqT Erqd
a-+qt qfrc;r '.1 I ri1 z;6q iqrq c"TTTqE ffi rw Fare :rar(l;q-+ cTrfirqqrqrqrrrorfiHar
c.l RT€l|dI qlfir€67
6-qi $eTur fhmrn F{ltcqr {<t{q eTftiyfti q€q r<Fr qlsl {Fq ri{q,tiq,i{Yroo fh-f,i qrrr rrtsi r {r -iF=q FFdi fu< ffi qqq qq6 q.t u-roq qi-a cenft-a qriT€ furiaq1 qq6* rr@ g rsr* qrftr€ s,{ tot.3/lo d qrqqr fiair"r qr?qr r e} qrisr srrT rTT qirdqr"F{ iFA qfi rriT rfl\jidl tEq {. Yo,j{Y,qqctoo ft-ae qe- ffi qlRffs llqqqlqlqFT qri$rqTzlrT gflnftq Tarf+ir;Fi rr-+l r gqi6 E fh-ai'rl :+r?E lotvqr{r6 qfld cfs iR lbfuq fr-d<vr +f4rc qrfta fl rr<r qf*qr+ qrq qT+RqeTfi{d Erftrfi' ft$i.f{Tr F. yo,l{y,cc\etqo qi-d qqaqt rt\r+1 d I
c.Y qrffd{+} 5ntfrft sr{qrTtn fiqft{q Eq;Ffizr, qql PF{rq t+drr6€ lot3 sFiqt dqTrrqT dizlrTq a;rqerfir lol? fiqq I{ff6t"E6T :{Tfqqqlz qq 5qql zcE l-qf? 4r irq;a i+;r+arqq Tr-rif{r T+ fli ir"-nr *qm tt ri:pr U rqlr
1nftit{d rrft\dl raq .sqf+fii qnqrcd ft-qrqqr sqran + tqfu'q Pq-+rqmiqrq{r{ rn -6q{r 6eqel qqrsn t qE El I
ifir
q.t drFi Tffifi iTqr a-qfur qT{ ETt rrtqil qrEtqr 5-cF
qpq qdft qqr eqhr q{q sr{ rFF qrlFn ftql{qR { v3,ioo,1oqr1oq F-4 Tirdr E I+-qiqr in-{sxri rFiq+ qtv : i\e,t3t,qRl,\e\ectRiqlt-afr 1\e,lio,re\eR,i<otlllF*F Yq,loo,xoRllo
c.t rr( q-qftl-fi qrir€rkl erqilror q4F{ q,A qrT sfi E. 41 nqr qrffir+ qtgwig qrdrqr nll,ist,qqqtolt- er* Grfd rqcr iiqrgqd d I
q.s 6Sqrt q{€r{I gFqrfrtqrrd sriqr sriat {q+nr {1*m nrq+ft qrfudn+-qr a} qa,qr qnftqqi.qr qqe$ nctuary a} 'rRfi qRt"rq +t'qrirsd qa.FrrR{q irEf+td Erffq t-q{(gI gcE14 qcrfta qrftra F. {,Rii,oR,l, dr.ertoo, qtd{ tdEr qqf+l ETfu€{.13l,ctr1,iiYroo ( srqPcrfi td{q iqqr {qtp.r qrfud T. 1,3{o,Rce,, tioorft qqr t. q,{ieq,Ro1,yl1roo ?k'{ sTrS+tqr sqt-s Rr{-d {qfu 41q-!'{qTTq +q6 { ?ri€q ErftTEt d-+ q++rqr d$n q+d qft FqqT: l,lq,yyc,,<,lrstoo,lYlrlcqroooloor { 1q{,1rel,o\eytoo qft qq1 5.x,xo1,voq,9,Rlloo tr.q(im ;fq{r qq{qr d.l,l\ey,usR,yiotoo qrd cis Erirn leter rr+ Fft Ft€ csqr.q.qr tqc iIrIT gsEtiT E;lqq; i3{,ooo,ooo, qf'{d taq1 Fqt+r +lqqrF.lorooo,oool(,o gs qf4t"rd tq-fi tdqr 4lqqr t.l{,ooo,oootoo Tft Eqfr.yyo,ooo,oo(, ltrgu-g BTq qMl q+tqr lM e r w* are !{\-+1 t{t{qfaqiift{rd qtrql rpd qiff -/Fq F 1,eoy,s1l,y?otoo o1Fffi qn i{T.q.F€qrqEi rrir;r E r
(qt )
Management Team
Chief Executive Off cerMr. Janardan Acharya
DGMMr. Krishna Prasad Sharma
DGMML Prakash Kumar Dhungana
Company SecretaryMr. Bishnu Prasad paudel
DGMMr. Jyoti Chandra Ojha
