HSBC2527_booklet_e08 4/8/08 1:43 AM 1

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HSBC2527_booklet_e08 4/8/08 1:43 AM 2

Z^_hb kc Jkjobjon
Zeb Ykpm`b kc ]fnaki
Oja Wd]p eo ] W]nn]jp@ //////////////////////////////////////////////////////////////////////////////////////////////3
Tsk Jjraopiajp V]hqa kb W]nn]jpo ///////////////////////////////////////////////////////////////////////////////4
Tdnaa Mkna B^kqp W]nn]jp Taniejkhkceao ///////////////////////////////////////////////////////////////////////////5
Gkqn Dkil]neokj Bikjc Jj.pda.Mkjau- Bp.pda.Mkjau ]j` Oqp.kb.pda.Mkjau W]nn]jpo ///6
Gera Seilha M]pdai]pe_o kj W]nn]jp Pne_a ///////////////////////////////////////////////////////////////////6y8

Zeb Yom^obdfbn
Oja Sdknp Tani Sla_qh]pekj;
I]ra ] Dha]n Eena_pekj kj pda Mkraiajp kb pda Uj`anhuejc Booap ////////////////////////////:
Tsk Pneia Teia pk Jjraop ej W]nn]jpo //////////////////////////////////////////////////////////////////21
Tdnaa Dkjoe`an]pekj kj Oqpop]j`ejc Qq]jpepu //////////////////////////////////////////////////////////////////21
Gkqn Dkjoe`an]pekj kj Ftan_eoa Pne_a ////////////////////////////////////////////////////////////////////////////////22
Gera Dkjoe`an]pekj kj Tani /////////////////////////////////////////////////////////////////////////////////////////////23
Set Dkjoe`an]pekj kj Jilhea` Vkh]pehepu /////////////////////////////////////////////////////////////////////////24
Saraj G]_pkno Bbba_pejc W]nn]jp Pne_a ///////////////////////////////////////////////////////////////////////25
Fecdp Jilknp]j_a kb Sappejc Spkl.Lkoo0Spkl.H]ej Larah //////////////////////////////////////////////26
Neja Iks pk D]h_qh]pa H]ejo ]j` Lkooao@ //////////////////////////////////////////////////////////////////27.28

H Jhb^mbm \fnfkj
Oja /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////2:
Tsk /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////31
Tdnaa /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////32
Gkqn /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////33
Gera /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////34
Set /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////34
Saraj /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////35
Fecdp /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////35
Neja /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////36

Pjomkap`ofkj ok OYIJ ]^mm^jo ]b_nfob ///////////////////////////////////////////////////////////////////37y3:

OYIJ ]^mm^jo Okohfjb ?C?? >CAD

Pnal]na` ^u Wa]hpd M]j]caiajp S]hao- ISCD Hhk^]h M]ngapo
HSBC2527_booklet_e08 4/8/08 1:43 AM 3

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HSBC2527_booklet_e08 4/8/08 1:43 AM 4

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Bo ] `aner]pera pkkh- s]nn]jpo d]ra ^a_kia ikna ]j` ikna lklqh]n ]ikjc Ikjc Kkjc ejraopkno/
Skia laklha ]na bkj` kb pdaen ca]nejc ba]pqna- ^ahearejc pd]p pdnkqcd ]j ]__qn]pa bkna_]op
]^kqp pda ikraiajp kb ]j qj`anhuejc ]ooap- ] oi]hhan ]ikqjp kb _]lep]h _kqh` ueah` decdan
lkpajpe]h napqnjo/ Iksaran- ]j ej]__qn]pa bkna_]op skqh` naoqhp ej cna]pan hkooao/
Gnki pda lanola_pera kb pn]`ejc iapdk`- ep eo ej`aa` pnqa pd]p pdana ]na jk oecjebe_]jp `ebbanaj_ao
^apsaaj s]nn]jpo ]j` opk_go/ Ckpd _]j ^a pn]`a` bnaahu kj pda opk_g at_d]jca/ Jj aooaj_a-
s]nn]jpo ]na ej`aa` ] pula kb klpekj kbbanejc pda dkh`an ] necdp pk ^qu kn oahh ] ola_ebea`
qj`anhuejc ]ooap- oq_d ]o opk_go- ej`e_ao- _qnnaj_eao kn _kiik`epeao ]p ] lna.`apanieja`
atan_eoa lne_a/ Wdaj pk atan_eoa pdeo necdp `alaj`o kj sdapdan pda s]nn]jp eo ]j Biane_]j.
opuha s]nn]jp ~pda necdp _]j ^a atan_eoa` ]p ]ju peia* kn ]j Fqnkla]j.opuha s]nn]jp ~pda necdp
_]j kjhu ^a atan_eoa` kj i]pqnepu*/ Spk_go `k jkp lkooaoo pdaoa qjemqa _d]n]_paneope_o/ Tdeo
eo at]_phu sdu pda neogo ]j` pn]`ejc opn]paceao kb s]nn]jpo ]j` pd]p kb opk_go _]jjkp ^a `eo_qooa`
kj pda o]ia cnkqj`/

,
HSBC2527_booklet_e08 4/8/08 1:43 AM 5

Zeb I^nf`n u Zrk

Pjqbnoibjo \^hpb kc ]^mm^jon

Bhpdkqcd pda lne_ao kb s]nn]jpo ]na rkh]peha- kja odkqh` jkp pdejg pd]p pdau ]na kjhu oqep]^ha
bkn ejraopkno sepd ] c]i^hejc ]ppepq`a/ Jj b]_p- s]nn]jpo `k lkooaoo ejraopiajp r]hqa pk ]
_anp]ej `acnaa/ Tdaen bqj_pekjo ]na jkp kjhu heiepa` pk odknp.pani ola_qh]pekj/ Wepd lnklan
qoa- pdau _]j araj ej_na]oa pda bhate^ehepu kb pda ajpena ejraopiajp lknpbkhek ]j` ajd]j_a napqnjoz
>; Ybhhfjd Yok`gn ok Rk`g Pj Vmkcfon
Wdaj ]j ejraopkn d]o c]eja` na]okj]^ha lnkbepo bnki ] l]npe_qh]n hkjc.dah` opk_g- da0oda
_]j _]od ej ^u oahhejc pda opk_go- ]j` qoa ] _anp]ej lan_ajp]ca kb pda _]od pk lqn_d]oa ]
s]nn]jp kj pd]p opk_g/ Jjraopiajp napqnjo oeieh]n pk pda napqnjo kb pda opk_go _kqh` ^a
]_deara` ^u pda ca]nejc abba_p kb pda s]nn]jpo/ Cu `kejc ok- kj kja d]j` pda ejraopkn _]j
hk_g ej ateopejc lnkbepo< kj pda kpdan d]j`- da0oda _]j qoa ] oi]hhan ]ikqjp kb bqj`o pk
_kjpejqa deo0dan ejraopiajp ej oq_d opk_g sepdkqp sknnuejc pda lnk^hai kb oahhejc pda opk_go
]p ] hks lne_a/ Jj ]``epekj- da0oda _]j araj ]hhk_]pa pda bqj` pk kpdan ejraopiajp pkkho ok
]o pk bqnpdan ajd]j_a pda r]hqa kb deo0dan ]ooapo/
Iksaran- `qa pk pda ca]nejc abba_p kb s]nn]jpo- pdau _]j kjhu lh]u ] oi]hh l]np ej pda ajpena
ejraopiajp lknpbkhek/ Jj kn`an pk ]rke` pda lknpbkhek lanbkni]j_a bnki ^aejc pkk rkh]peha- ep
eo ]`reo]^ha pd]p pda lnklknpekj kb s]nn]jpo odkqh` jkp ^a pkk decd/
?; Obadfjd Okhafjd Xfngn
Skiapeiao- ]j ejraopkn i]u s]jp pk dkh` _anp]ej opk_go bkn ] hkjcan lanek` kb peia ^qp
sknnu pd]p pda lanbkni]j_a kb pda ajpena ejraopiajp lknpbkhek skqh` ^a ]bba_pa` eb pda i]ngap
ckao `ksjs]n` ej pda odknp pani/ Jj pdeo oepq]pekj- da0oda _]j qoa ] oi]hh ]ikqjp kb bqj`o
pk lqn_d]oa ] _anp]ej jqi^an kb lqp s]nn]jpo ]ook_e]pa` pk pda lknpbkhek}o ]ooapo/ Tk da`ca
pda neogo kb dkh`ejc eo oeieh]n pk pda _kj_alp kb {^quejc ejoqn]j_a{/ Jb oq_d opk_g lne_ao b]hh
]o atla_pa`- pda ejraopkn}o lnkbepo i]`a bnki lqp s]nn]jpo _]j _kilajo]pa l]np kb pda
hkooao `qa pk pda sa]g lanbkni]j_a kb pda lknpbkhek ej pda odknp pani/

-
HSBC2527_booklet_e08 4/8/08 1:43 AM 6

Zeb I^nf`n u Zembb

Skmb ^_kpo ]^mm^jo Zbmifjkhkdfbn

Eebbanajp bnki opk_go- s]nn]jpo `k jkp lkooaoo ejbkni]pekj oq_d ]o Pne_a.F]njejco ~PF* R]pek-
`ere`aj` ueah`- ]j` ok kj/ Iksaran- pdana ]na okia `eopej_pera panio pd]p ejraopkno iqop ^a
]s]na kb;
JS`[W\]Z]Ug B\bS`^`SbObW]\
D]hh W]nn]jpo Obban pda dkh`an ] necdp ~^qp jkp ]j k^hec]pekj* pk ^qu ] _anp]ej ]ikqjp ~`alaj`ejc
kj pda Dkjranoekj R]pek* kb pda qj`anhuejc ]ooap kj ] lna.`apanieja` i]pqnepu `]pa
]p ] ola_ebea` Ftan_eoa Pne_a/ Tdau _]j ^a nac]n`a` ]o ] haran]ca` ejraopiajp pkkh
sdeha ]jpe_el]pejc i]ngap qlpqnjo ej pda odknp pani/
Pqp W]nn]jpo Obban pda dkh`an ] necdp ~^qp jkp ]j k^hec]pekj* pk oahh ] _anp]ej ]ikqjp ~`alaj`ejc
kj pda Dkjranoekj R]pek* kb pda qj`anhuejc ]ooap kj ] lna.`apanieja` i]pqnepu `]pa
]p ] ola_ebea` Ftan_eoa Pne_a/ Tdau _]j ^a nac]n`a` ]o ] haran]ca` ejraopiajp pkkh
sdeha ]jpe_el]pejc i]ngap `ksjpqnjo ej pda odknp pani/
Jjpnejoe_ V]hqa Tda `ebbanaj_a ^apsaaj pda Ftan_eoa Pne_a ]j` pda olkp lne_a kb pda qj`anhuejc ]ooap/
Zank eo pda hksaop Jjpnejoe_ V]hqa kb ] s]nn]jp/ Tda becqna _]jjkp ^a jac]pera- ^a_]qoa
kpdanseoa ep eo ikna oajoe^ha pk lqn_d]oa pda qj`anhuejc ]ooap `ena_phu bnki pda
i]ngap/
Teia V]hqa Tda c]l ^apsaaj pda olkp lne_a ]j` Jjpnejoe_ V]hqa kb ] s]nn]jp/ Sq_d r]hqa eo pda
lne_a l]e` ^u ] s]nn]jp ^quan ej at_d]jca bkn pda dkh`ejc pda s]nn]jp ]j` i]gejc
qoa kb epo ca]nejc abba_p/
Ftan_eoa Pne_a Tda lna.`apanieja` lne_a bkn ]j ejraopkn pk ^qu kn oahh pda qj`anhuejc ]ooap kb ]
s]nn]jp/ Oj pda i]pqnepu `]pa kb pda s]nn]jp- oq_d Ftan_eoa Pne_a sehh ^a qoa` pk
_]h_qh]pa pda ]ikqjp bkn _]od oapphaiajp/
Jj.pda.Mkjau Tda olkp lne_a kb pda qj`anhuejc ]ooap kb ] D]hh W]nn]jp ^aejc decdan pd]j pda Ftan_eoa
Pne_a- kn pda olkp lne_a kb pda qj`anhuejc ]ooap kb ] Pqp W]nn]jp ^aejc hksan pd]j
pda Ftan_eoa Pne_a/ Jp ia]jo pda s]nn]jp lkooaooao ]j Jjpnejoe_ V]hqa ]j` sehh ^a
atan_eoa`/
Bp.pda.Mkjau Wdaj pda lne_a kb pda qj`anhuejc ]ooap eo amqer]hajp pk pda Ftan_eoa Pne_a/
Oqp.kb.pda.Mkjau Jp ia]jo pd]p ] s]nn]jp `kao jkp lkooaoo ]j Jjpnejoe_ V]hqa- ^aejc pda olkp lne_a kb
pda qj`anhuejc ]ooap kb ] D]hh W]nn]jp hksan pd]j pda Ftan_eoa Pne_a- kn pda olkp lne_a
kb pda qj`anhuejc ]ooap kb ] Pqp W]nn]jp decdan pd]j pda Ftan_eoa Pne_a/ Jb ]j ejraopkn
opehh dkh`o ]j Oqp.kb.pda.Mkjau s]nn]jp kj pda i]pqnepu `]pa- oq_d s]nn]jp sehh
^a_kia sknpdhaoo ^u pdaj ]j` da0oda sehh hkoa ]hh pda ejraopiajpo/
Eahp] Jp odkso pda pdaknape_]h ikraiajp ej s]nn]jp lne_a sdaj pda lne_a kb pda qj`anhuejc
]ooap _d]jcao/ Eahp] kb ] D]hh W]nn]jp heao ^apsaaj 1 ]j` 2- ]j` bkn Pqp W]nn]jp
Eahp] heao ^apsaaj 1 ]j` .2/
Dkjranoekj R]pek Tk ola_ebu pda ]ikqjp kb pda qj`anhuejc od]nao pda dkh`an kb a]_d s]nn]jp eo ajpepha`
pk ^qu kn oahh/
Fbba_pera Ha]nejc Rabano pk pda pdaknape_]h lan_ajp]ca ikraiajp ej s]nn]jp lne_a bkn 2| ikraiajp
kb pda qj`anhuejc ]ooap/
Tda bkniqh] eo; Fbba_pera Ha]nejc > Ha]nejc t Eahp]/
Pnaieqi Jp ej`e_]pao sd]p lan_ajp]ca pda qj`anhuejc ]ooap d]o pk neoa ~bkn D]hh W]nn]jp*0b]hh
~bkn Pqp W]nn]jp* bkn ] s]nn]jp ejraopkn pk ^a_kia ^na]g.araj eb da0oda lqn_d]oao
pda s]nn]jp ]p olkp ]j` dkh`o ep qjpeh i]pqnepu/
Ieopkne_]h Vkh]pehepu Jp eo lnej_el]hhu qoa` ]o ] nabanaj_a pk ]ooaoo pda lnarekqo lne_a bhq_pq]pekj kb pda
qj`anhuejc ]ooap/
Jilhea` Vkh]pehepu Jp eo kja kb pda ikop eilknp]jp ej`e_]pkno sdaj ]ooaooejc ] s]nn]jp/ Jp nabano pk pda
aopei]pa kb bqpqna lne_a rkh]pehepu kb ] ola_ebea` qj`anhuejc ]ooap- ]j` eo cajan]hhu qoa`
^u pda i]ngap ]o ]j ej`e_]pkn pk `a_e`a sdapdan ] s]nn]jp eo r]hqa.bkn.ikjau kn jkp/

.
HSBC2527_booklet_e08 4/8/08 1:43 AM 7

Zeb I^nf`n u Mkpm

Jkil^mfnkj Hikjd Pj:oeb:Skjbt9 Ho:oeb:Skjbt ^ja Upo:kc:oeb:Skjbt ]^mm^jon

MO``O\b Jg^S <OZZ Gcb B\b`W\aWQ LOZcS

Jj.pda.Mkjau Ftan_eoa Pne_a = Ftan_eoa Pne_a ? ?1

Uj`anhuejc Booap Pne_a Uj`anhuejc Booap Pne_a

Bp.pda.Mkjau Ftan_eoa Pne_a > Ftan_eoa Pne_a > >1

Uj`anhuejc Booap Pne_a Uj`anhuejc Booap Pne_a

Oqp.kb.pda.Mkjau Ftan_eoa Pne_a ? Ftan_eoa Pne_a = >1

Uj`anhuejc Booap Pne_a Uj`anhuejc Booap Pne_a

Zeb I^nf`n u Mfqb

Yfilhb S^oebi^of`n kj ]^mm^jo Vmf`b

Tk oq__aa` ej s]nn]jp ejraopiajp- ]j ejraopkn iqop qj`anop]j` dks pda lne_a kb ] s]nn]jp
_d]jcao/ C]oe_]hhu- pda lne_a kb ] s]nn]jp eo i]`a ql kb Jjpnejoe_ V]hqa ]j` Teia V]hqa/
Jjpnejoe_ V]hqa kjhu ]llheao pk Jj.pda.Mkjau s]nn]jp- ]j` ep sehh ^a ]`fqopa` sdaj pda lne_a kb
pda qj`anhuejc ]ooap _d]jcao/ Tda decdan ~_]hh s]nn]jp*0hksan ~lqp s]nn]jp* pda lne_a kb pda
qj`anhuejc ]ooap ]o _kil]na` pk pda Ftan_eoa Pne_a- pda decdan pda Jjpnejoe_ V]hqa/
Teia V]hqa eo pda r]hqa kj dks b]n ] s]nn]jp eo ]s]u bnki pda i]pqnepu `]pa/ Tdeo r]hqa sehh
kjhu `nkl ]j` `kao jkp d]ra pda _d]j_a pk neoa ]p ]hh/ Bp pda ejepe]h ld]oa kb pda ejraopiajp-
Teia V]hqa skqh` d]ra haoo eil]_p kj ] s]nn]jp/ Iksaran- ]o pda s]nn]jp eo cappejc _hkoan
pk i]pqnepu- peia `a_]u sehh ]__ahan]pa/ Frajpq]hhu- pda s]nn]jp}o Teia V]hqa sehh `nkl pk vank/
Cu pdaj- eb pda s]nn]jp eo jkp Jj.pda.Mkjau- ep sehh ^a_kia sknpdhaoo ]j` pda ejraopkn sehh hkoa
]hh deo0dan ejraopiajpo/

/
HSBC2527_booklet_e08 4/8/08 1:43 AM 8

Zeb I^nf`n u Mfqb

Ls^ilhb8E Hjd^jd Yobbh 6@AB7 J^hh ]^mm^jo 6@?=D7

Ftan_eoa Pne_a; IKE27/79

Dkjranoekj R]pek; 21;2
M]pqnepu E]pa; 28.O_p.3119
Jilhea` Vkh]pehepu; 8:/2:| ~nabanaj_a `]pa 16.M]n.3119*

Booqiejc pda od]na lne_a kb Bjc]jc Spaah eo IKE32/11- pda lne_a kb

~431:* eo IKE1/771< pdaj;
Jjpnejoe_ V]hqa > ~IKE32/11yIKE27/79*021
> IKE1/543
Teia V]hqa > W]nn]jp V]hqayJjpnejoe_ V]hqa
> IKE1/771yIKE1/543
> IKE1/339

Booqiejc pda od]na lne_a kb Bjc]jc Spaah eo IKE29/73- pda lne_a kb

~431:* eo IKE1/571< pdaj;
Jjpnejoe_ V]hqa > ~IKE29/73yIKE27/79*021
> IKE1/2:5
Teia V]hqa > W]nn]jp V]hqayJjpnejoe_ V]hqa
> IKE1/571yIKE1/2:5
> IKE1/377
Booqiejc pda od]na lne_a kb Bjc]jc Spaah eo IKE26/11- pda lne_a kb
~431:* eo IKE1/429< pdaj;
Jjpnejoe_ V]hqa > ~IKE26/11yIKE27/79*021
> yIKE1/279/
Sej_a Jjpnejoe_ V]hqa _]jjkp ^a jac]pera- ep eo _kjoe`ana` 1/111/
Teia V]hqa > W]nn]jp V]hqayJjpnejoe_ V]hqa
> IKE1/429yIKE1/111
> IKE1/429

+Tda at]ilha eo bkn ehhqopn]pera lqnlkoao kjhu ]j` eo jkp ej`e_]pera kb bqpqna napqnjo/

0
HSBC2527_booklet_e08 4/8/08 1:43 AM 9

Jp eo kbpaj o]e` pd]p {Teia eo Mkjau{- Teia V]hqa sehh cn]`q]hhu `eiejeod ]o i]pqnepu eo ]llnk]_dejc/
Tdeo _]j ^a nac]n`a` ]o pda lne_a ] s]nn]jp ejraopkn d]o pk l]u ej at_d]jca bkn pda ca]nejc
abba_p/ Sej_a peia `a_]u eo qj]rke`]^ha- ]j ejraopkn _]j kjhu lh]_a dklao kj ]j ]__qn]pa
bkna_]op ]^kqp pda lne_a ikraiajp kb pda qj`anhuejc ]ooap- {^appejc{ ]j ej_na]oa ej s]nn]jp
lne_a pdnkqcd pda ej_na]oa ej Jjpnejoe_ V]hqa/ Jp eo `ao_ne^a` ]o {^appejc{ ^a_]qoa pda Jjpnejoe_
V]hqa d]o pk _kran peia `a_]u benop- ^abkna ]j ej_na]oa ej s]nn]jp lne_a eo lkooe^ha ~oaa `e]cn]io ^ahks*/

D]dS[S\b ]T HWaS ]T B\b`W\aWQ

c\RS`ZgW\U LOZcS VWUVS`
OaaSb Oa bVO\ bW[S RSQOg
Sf^SQbSR

Pjomfjnf` Zfib ]^mm^jo HWaS ]T

B\b`W\aWQ LOZcS
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RSQOg

HWaS ]T B\b`W\aWQ
LOZcS \]b
acTTWQWS\b b] Q]dS`
bW[S RSQOg

Pjomfjnf` Zfib ]^mm^jo

\^hpb \^hpb Vmf`b M^hhn

G`WQS ]T G`WQS ]T
c\RS`ZgW\U eO``O\b TOZZa
OaaSb `S[OW\a eWbV bW[S
bVS aO[S RSQOg

Pjomfjnf` Zfib ]^mm^jo

\^hpb \^hpb Vmf`b M^hhn

D]dS[S\b ]T B\b`W\aWQ LOZcS O\R

c\RS`ZgW\U JW[S LOZcS TOZZ
OaaSb aW[cZbO\S]caZg,
]^^]aWbS b] `SacZbW\U W\ O _cWQYS`
Sf^SQbObW]\ R`]^ ]T eO``O\b ^`WQS

1
HSBC2527_booklet_e08 4/8/08 1:43 AM 10

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HSBC2527_booklet_e08 4/8/08 1:43 AM 11

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Yekmo Zbmi Ylb`ph^ofkjE O^qb ^ Jhb^m Kfmb`ofkj kj oeb Skqbibjo kc oeb
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eb ]j ejraopkn lh]jo bkn ] odknp.pani ola_qh]pekj ej kn`an pk haooaj pda ]bba_p kb Teia V]hqa kj
s]nn]jp lne_ao ]j` napqnjo/ Iksaran- pda lna._kj`epekj eo pd]p pda ejraopkn odkqh` d]ra ] _ha]n
`ena_pekj sdaj bkna_]opejc pda ikraiajp kb pda qj`anhuejc ]ooap/
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kb ]_mqeoepekj kn na.opnq_pqnejc lh]j ej pda odknp pani- ]j` ok kj/ Fraj i]ngap ikraiajp d]o
^aaj ]__qn]pahu bkna_]opa`< jkjapdahaoo- ejraopkno jaa` pk p]ga ejpk ]__kqjp pda n]jca kb
_d]jca ]j` n]pa kb pda _d]jca ej opk_g lne_ao y eo ep ] `n]i]pe_ _d]jca ej pda odknp pani- kn ]
opa]`u pnaj` kb qlpqnjo0`ksjpqnjo@ Jjraopkno d]ra pk becdp ]c]ejop peia `a_]u ]j` iejeieva
pda eil]_p kb Jilhea` Vkh]pehepu ~pda hkjcan pda s]nn]jp eo ^aejc dah`- pda cna]pan pda _d]j_a
Jilhea` Vkh]pehepu sehh _d]jca*/ C]oa` kj deopkne_]h becqnao- Ddejaoa bej]j_e]h opk_go ]j` _u_he_]h
opk_go ~oq_d ]o n]s i]pane]h opk_go* ]na ikna hegahu pk bhq_pq]pa ej pda odknp pani/
Jb pda qj`anhuejc ]ooap eo atla_pa` pk d]ra ] oecjebe_]jp ej_na]oa0`a_na]oa ej pda odknp pani-
ejraopkno _]j ^a ikna ]ccnaooera/ Tdau _]j _kjoe`an pk lqn_d]oa _]hh0lqp s]nn]jpo sepd ]
odknp.pk.ia`eqi pani ~3 pk 5 ikjpdo* pd]p ]na _hkoa.pk.pda.ikjau kn ohecdphu Oqp.kb.pda.Mkjau-
ok ]o pk ]_deara ] ^appan abba_pera ca]nejc ]j` pdana^u ej_na]oa lkpajpe]h napqnjo/ Danp]ejhu-
ejraopkno iqop _]nabqhhu _kjpnkh pdaen ejraopiajp ]ikqjp/ Tdau odkqh` jkp lqp ]hh ikjau ejpk
oq_d s]nn]jp sepd ] {na_ghaoo c]i^hejc{ ]ppepq`a/

3
HSBC2527_booklet_e08 4/8/08 1:43 AM 12

Zeb Yom^obdfbn u Zrk

Vmfib Zfib ok Pjqbno fj ]^mm^jon

W]nn]jp ejraopiajp eo jkp ]j ]hh.sa]pdan ^qoejaoo/ Caejc ]^ha pk oaeva pda necdp peiejc eo pda
kjhu s]u pk ej_na]oa pda _d]j_a kb i]gejc lnkbepo/ Hajan]hhu ola]gejc- pda bkhhksejc pdnaa
o_aj]neko _]j ^a _kjoe`ana` ]o lneia peia pk ejraop ej s]nn]jpo;

IQS\O`W] B\bS`^`SbObW]\

2/ Tda i]ngap eo jk hkjcan Bj a]oa pk pda b]hh kb pda kran]hh Jilhea` Vkh]pehepu _]j ^a atla_pa`/
osejcejc ^apsaaj qlpqnjo ]j`
`ksjpqnjo ]j` eo odksejc ]
_ha]n `ena_pekj/

3/wJilhea` Vkh]pehepu opklo b]hhejc Tda neoa kb Jilhea` Vkh]pehepu eo b]rkqn]^ha pk s]nn]jp lne_ao/
]j` ^acejo pk ^kqj_a ^]_g/

4/ Oqpop]j`ejc mq]jpepu nai]ejo
]p ] hks harah/
Tk ]rke` pda s]nn]jp lne_a bnki ^aejc ]bba_pa` ^u pda ]__qiqh]pekj
kb {atlajoera s]nn]jpo{ ^kqcdp lnarekqohu/ Tdeo eo ] oepq]pekj sdana^u
pda s]nn]jp lne_a `nklo `aolepa ]j ]__qn]pa bkna_]op ej `ena_pekj]h
ikraiajp kb pda qj`anhuejc ]ooap ~]ooqiejc ]hh kpdan b]_pkno sde_d
i]u ]bba_p pda s]nn]jp lne_a nai]ej qj_d]jca`*/

Zeb Yom^obdfbn u Zembb

Jkjnfabm^ofkj kj Upono^jafjd Wp^jofot

Tsk gau ia]oqnaiajpo ]na ^aejc qoa` ^u pda i]ngap pk ]j]huva kqpop]j`ejc s]nn]jp mq]jpepu
~pd]p eo- pda jqi^an kb s]nn]jpo dah` ^u ejraopkno*/ Tda benop kja eo kqpop]j`ejc mq]jpepu- sde_d
nabano pk pda ]_pq]h mq]jpepu kb ] l]npe_qh]n s]nn]jp dah` ^u ejraopkno ~bkn at]ilha- 311 iehhekj*/
Tda oa_kj` kja eo kqpop]j`ejc mq]jpepu lan_ajp]ca- sde_d eo pda lan_ajp]ca kj pda jqi^an
kb s]nn]jpo dah` ^u ejraopkno nah]pera pk pda pkp]h eooqa oeva kb oq_d s]nn]jp/ Bhpdkqcd pdana
eo jkp ]j aop]^heoda` nqha ]o pk sd]p harah ]j kqpop]j`ejc mq]jpepu lan_ajp]ca eo _kjoe`ana`
decd- ejraopkno odkqh` ^appan ]rke` ^quejc s]nn]jpo sepd ] decd kqpop]j`ejc mq]jpepu ~bkn ejop]j_a-
ql pk dqj`na` iehhekjo*- kn s]nn]jpo sde_d d]ra jkp ^aaj sahh.i]ejp]eja` ^u pda eooqan ej ]j
]_pera i]jjan/ Tdeo eo ^a_]qoa pda lne_a pnaj` kb ] s]nn]jp paj`o pk ha]j pks]n`o ^aejc i]ngap.
`neraj- araj pdkqcd ejraopkno d]ra ]__qn]pahu bkna_]opa` pda `ena_pekj kb pda qj`anhuejc ]ooap-
pda s]nn]jp lne_a i]u jkp bkhhks pda ikraiajp kb pda qj`anhuejc ]ooap- naoqhpejc ej cna]pan
neogo pk ^a ^knja ^u pda ejraopkno/

+*
HSBC2527_booklet_e08 4/8/08 1:43 AM 13

Zeb Yom^obdfbn : Mkpm

Jkjnfabm^ofkj kj Lsbm`fnb Vmf`b

Ftan_eoa Pne_a eo pda ^aj_di]ng qoa` pk `abeja pda bej]h oapphaiajp ]ikqjp kb ] s]nn]jp/
Iksaran- pdeo `kao jkp ia]j pd]p ]j ejraopkn sdk `kao jkp ejpaj` pk dkh` pda s]nn]jp qjpeh
i]pqnepu `kao jkp jaa` pk _kjoe`an pda Ftan_eoa Pne_a harah/ Tdeo eo ^a_]qoa Jj.pda.Mkjau-
Bp.pda.Mkjau ]j` Oqp.kb.pda.Mkjau s]nn]jpo skqh` d]ra ] `ena_p eil]_p kj ejraopiajp napqnjo
]j` dkh`ejc neogo/
Lap qo qoa psk Ddej] DOSDO Ikh`ejco _]hh s]nn]jpo pk ehhqopn]pa pdeo+;

Zeb `hknfjd lmf`b kc Jefj^ JUYJU Okhafjdn kj =@:S^m:?==C r^n

OQK?@;==;

ISyDDIDAFD191:B ~8154* ISyDDIDAFD1919 ~4896*

Ftan_eoa Pne_a ; IKE29/69 Ftan_eoa Pne_a ; IKE37/39

Fbba_pera Ha]nejc ; 3/14t Fbba_pera Ha]nejc ; 4/12t
Dkjranoekj R]pek ; 21;2 Dkjranoekj R]pek ; 21;2
W]nn]jp Pne_a ; IKE1/971 W]nn]jp Pne_a ; IKE1/531

Tda ]^kra odkso pd]p ~8154* eo ]j Jj.pda.Mkjau _]hh s]nn]jp ]j` d]o ] decdan b]_a r]hqa/
Wepd ]j abba_pera ca]nejc kb kjhu 3/14t- epo neogo ]na nah]perahu hks/ Jp skqh` ^a oqep]^ha
bkn ikna _kjoanr]pera ejraopkno/ Oj pda _kjpn]nu- pda Oqp.kb.pda.Mkjau s]nn]jp ~4896*
d]o ] decdan abba_pera ca]nejc/ Jp sehh ^a_kia ikna lksanbqh ej ] rkh]peha i]ngap ^qp epo
neogo ]na nah]perahu decdan/ Jp skqh` oqep ikna ]ccnaooera ejraopkno bkn odknp.pani ca]na`
pn]`ejc lqnlkoao/
+Tda at]ilha eo bkn ehhqopn]pera lqnlkoao kjhu ]j` eo jkp ej`e_]pera kb bqpqna napqnjo/

++
HSBC2527_booklet_e08 4/8/08 1:43 AM 14

Zeb Yom^obdfbn u Mfqb

Jkjnfabm^ofkj kj Zbmi

Jj cajan]h- bnki eooq]j_a pehh i]pqnepu- ] s]nn]jp d]o ] lanek` n]jcejc bnki oet pk jeja ikjpdo
bkn ejraopkno pk ^qu ]j` oahh/ Iks _kqh` ejraopkno _dkkoa ] s]nn]jp sepd ] oqep]^ha pani@
Tdeo `alaj`o kj ukqn ejraopiajp ]llnk]_d ]j` atla_p]pekj kj pda i]ngap oepq]pekj/

>f^SQbSR DO`YSb <]\RWbW]\ IcWbOPZS MO``O\b JS`[ B\dSab[S\b HWaYa B\bS`^`SbObW]\

Sq^op]jpe]h neoa0 Sdknp pani ~sepdej 4 Iecd Tda s]nn]jp eo ikna

b]hh ej pda odknp pani ikjpdo* oajoepera pk pda lne_a kb pda
qj`anhuejc ]ooap/ Gkn pdkoa
ohecdphu Oqp.kb.pda.Mkjau
]j` Bp.pda.Mkjau s]nn]jp-
pda eil]_p eo iq_d cna]pan/
Iksaran- lkpajpe]h napqnjo
]j` neogo ]na ^kpd ranu decd/

Spa]`u neoa0b]hh Ma`eqi pani ~4 pk 7 Ma`eqi0Lks Jil]_p kb peia `a_]u eo

ikjpdo*0hkjc pani nah]perahu heiepa`/ Eaolepa
]^kra 7 ikjpdo* pda pnaj` kb qj`anhuejc ]ooap
eo ckejc ej kllkoepa `ena_pekj
ej pda odknp pani- pda `nkl
ej pda s]nn]jp lne_a skqh`
^a nah]perahu oi]hh/

Nk i]ppan s]nn]jp kb sde_d pani d]o ^aaj _dkoaj- ejraopkno d]ra pk _kilapa sepd peia/
Tdau d]ra pk opnera pk pda ej_na]oa Jjpnejoe_ V]hqa ]j` becdp ]c]ejop peia `a_]u pdnkqcd ] 211.
iapan n]_a ~odknp.pani s]nn]jp* kn ] i]n]pdkj ~ia`eqi pk hkjc.pani s]nn]jp*/

+,
HSBC2527_booklet_e08 4/8/08 1:43 AM 15

Zeb Yom^obdfbn u Yfs

Jkjnfabm^ofkj kj Pilhfba \kh^ofhfot

Jilhea` Vkh]pehepu eo pk nabha_p pda i]ngap}o atla_p]pekj kj pda bqpqna rkh]pehepu kb pda qj`anhuejc
]ooap/ Jooqano skqh` cajan]hhu i]ga nabanaj_ao pk Jilhea` Vkh]pehepu haraho kb Oran.pda.Dkqjpan
~OTD* klpekjo ]j` i]ga ]llnklne]pa ]`fqopiajpo pk pda Jilhea` Vkh]pehepu haraho kb pda s]nn]jpo/
Sq_d haraho sehh pdaj ^a nabha_pa` kj s]nn]jp lne_ao/ Tda decdan pda rkh]pehepu- pda cna]pan pda
_d]j_a ] s]nn]jp pk ^a_kia Jj.pda.Mkjau- ]j` pdqo pda s]nn]jp lne_a skqh` neoa ]__kn`ejchu-
]j` re_a rano]/ Cabkna i]gejc `a_eoekjo- ejraopkno i]u qoa Jilhea` Vkh]pehepu pk ]ooaoo pda
r]hqa kb s]nn]jpo sepd oeieh]n panio ~bkn ejop]j_a- M]pqnepu E]pa- Ftan_eoa Pne_a*- ]j` l]u
]ppajpekj pk pda op]^ehepu kb pda s]nn]jpo} Jilhea` Vkh]pehepu/
Tk ejraopkno- Jilhea` Vkh]pehepu _kqh` ^a ] bneaj` kn ] bka/ Tda _d]jca ej rkh]pehepu skqh` `abejepahu
]bba_p pda s]nn]jp lne_a/ Iksaran- ]o ep eo `ebbe_qhp pk d]ra ] ckk` cn]ol kb Jilhea` Vkh]pehepu-
ejraopkno _kqh` kjhu cap ] ^appan qj`anop]j`ejc kb pda rkh]pehepu pnaj` kb pda qj`anhuejc ]ooap
pdnkqcd eooqano} nalknpejc/ Wdaj pda rkh]pehepu eo ckejc `ksj- ejraopkno odkqh` ^appan znabn]ej{
bnki ^quejc D]hh W]nn]jpo kn Pqp W]nn]jpo/
Xbh^ofkjnefl Iborbbj Je^jdb fj Pilhfba \kh^ofhfot ^ja ]^mm^jo Vmf`b
Booqiejc ep eo ] hkjc.pani s]nn]jp- peia `a_]u d]o heppha eil]_p kj s]nn]jp lne_a/

Skqbibjo kc
Pilhfba ]^mm^jo
[jabmhtfjd Hnnbo
\kh^ofhfot Vmf`b
^n bslb`oba

Skqbibjo kc
Pilhfba [jabmhtfjd Hnnbo ]^mm^jo
\kh^ofhfot ^n bslb`oba Vmf`b

Skqbibjo kc
Pilhfba ]^mm^jo
[jabmhtfjd Hnnbo
\kh^ofhfot Vmf`b
^n bslb`oba

+-
HSBC2527_booklet_e08 4/8/08 1:43 AM 16

Zeb Yom^obdfbn u Ybqbj

M^`okmn Hccb`ofjd ]^mm^jo Vmf`b

?OQb]` <VO\US ]T ?OQb]` B[^OQb ]\ <OZZ MO``O\b G`WQS B[^OQb ]\ Gcb MO``O\b G`WQS

Uj`anhuejc Booap Pne_a

Ftla_pa` Eere`aj`

Jilhea` Vkh]pehepu

Jjpanaop R]pa

Tani

Uj`anhuejc Booap Pne_a; Tda Jjpnejoe_ V]hqa kb ] _]hh s]nn]jp neoao sdaj pda lne_a kb pda qj`anhuejc ]ooap
neoao/ Sq_d eo ] b]rkqn]^ha b]_pkn/ Oj pda _kjpn]nu- pda lne_a kb ] lqp s]nn]jp
b]hho sdaj pda Jjpnejoe_ V]hqa `nklo/
Ftla_pa` Eere`aj`; Jjraopkno dkh`ejc s]nn]jpo skqh` jkp na_aera `ere`aj`o kb pda qj`anhuejc od]nao/
Iksaran- atla_pa` `ere`aj` c]ejo skqh` d]ra ^aaj ej_hq`a` ^u pda eooqan pk
_]h_qh]pa pda s]nn]jp lne_a ]p pda peia kb eooq]j_a/ Jj kpdan skn`o- sdaj pda
qj`anhuejc od]na}o `ere`aj` l]ukqp eo ]hkjcoe`a pda eooqan}o atla_p]pekj- pda
s]nn]jp lne_a skqh` jkp `nkl `n]i]pe_]hhu/
Jilhea` Vkh]pehepu; Tda neoa kb Jilhea` Vkh]pehepu ia]jo pd]p pda qj`anhuejc ]ooap d]o h]nca bhq_pq]pekjo/
B s]nn]jp d]o ] decdan _d]j_a kb ^a_kiejc Jj.pda.Mkjau ]j` araj `aal Jj.
pda.Mkjau bnki Oqp.kb.pda.Mkjau/ Pne_ao kb _]hh s]nn]jpo ]j` lqp s]nn]jpo
skqh` ^kpd neoa/
Jjpanaop R]pa; F]_d peia ]j eooqan eooqao ] _]hh s]nn]jp- ep d]o pk qoa bqj`o pk lqn_d]oa pda
qj`anhuejc od]nao bkn da`cejc lqnlkoao/ Tdanabkna- sdaj pda ^knnksejc _kop
~ejpanaop n]pa* neoao- pda lne_a kb _]hh s]nn]jp sehh neoa ]__kn`ejchu/ Oj pda _kjpn]nu-
sdaj pda ejpanaop n]pa neoao- pda lne_a kb lqp s]nn]jp sehh ck `ksj/
Tani; Tda hkjcan pda pani kb ] s]nn]jp- pda h]ncan epo Teia V]hqa/

+.
HSBC2527_booklet_e08 4/8/08 1:43 AM 17

Zeb Yom^obdfbn u Lfdeo

Pilkmo^j`b kc Yboofjd Yokl:Rknn<Yokl:N^fj Rbqbh

Eqa pk epo haran]ca- s]nn]jpo qoq]hhu d]ra ] se`an n]jca kb lne_a bhq_pq]pekj ]o _kil]na` pk
opk_go/ Jp eo- pdanabkna- ikna eilknp]jp bkn ejraopkno pk i]j]ca neogo lnklanhu- pk haooaj
lkpajpe]h hkoo kn nap]ej lnkbepo ^u `abejejc oappejc opkl.hkoo0opkl.c]ej haraho/
Jj ln]_pe_a- pdana ]na psk ]ola_po pk _kjoe`an;
>; Zfib
Teia eo pda ajaiu kb ejraopkno/ Bo i]pqnepu eo ]llnk]_dejc- pda Teia V]hqa _kjp]eja` ej
pda s]nn]jp lne_a sehh cn]`q]hhu `eiejeod/ Tdanabkna- ]l]np bnki atla_pejc bkn ] lne_a _d]jca
ej pda qj`anhuejc ]ooap- ^abkna lqn_d]oejc s]nn]jpo ejraopkno odkqh` oap ]j ejraopiajp
lanek`- bkn ejop]j_a pdnaa pn]`ejc `]uo- ok ]o pk iejeieoa hkooao `qa pk Teia V]hqa/ Tdnaa
`]uo h]pan- ejraopkno odkqh` nareoep pdaen ejraopiajp opn]paceao/ Jb pda n]jca kb ikraiajp
ej pda qj`anhuejc ]ooap `ebbano bnki atla_p]pekj- ]j ejraopkn odkqh` atan_eoa `eo_elheja ]j`
oahh pda s]nn]jpo/
?; Vpm`e^nb Vmf`b
Tda lne_a kb ] s]nn]jp eo `alaj`ajp kj ] jqi^an kb b]_pkno- oq_d ]o ikraiajpo ej qj`anhuejc
]ooap- Jilhea` Vkh]pehepu- kqpop]j`ejc mq]jpepu ]j` ok kj/ Cabkna `a_e`ejc pk lqn_d]oa ]
s]nn]jp- ]j ejraopkn odkqh` oap ] _anp]ej lan_ajp]ca ^ahks kn ]^kra pda lqn_d]oa lne_a
~^]oa` kj ]_pq]h _kj`epekjo* ]o ] opkl.hkoo0opkl.c]ej harah/ Sq_d skqh` ^a ikna ]llnklne]pa
pd]j lqnahu k^oanrejc pda ikraiajp kb pda qj`anhuejc ]ooap/

+/
HSBC2527_booklet_e08 4/8/08 1:43 AM 18

Zeb Yom^obdfbn u Tfjb

Okr ok J^h`ph^ob N^fjn ^ja Rknnbn

Booqiejc ]j ejraopkn oahho pda s]nn]jp kj pda h]op pn]`ejc `]u- pda _]h_qh]pekj kb c]ejo0hkooao
skqh` ^a pda o]ia ]o ^quejc ]j` oahhejc od]nao- sde_d eo;
H]ejo0Lkooao > ~oahhejc lne_a . lqn_d]oa lne_a* t jqi^an kb od]nao dah`
Jb ]j ejraopkn dkh`o pda s]nn]jp qjpeh i]pqnepu- pdaj pda oapphaiajp lne_a skqh` ^a amq]h pk
pda oahhejc lne_a kb pda s]nn]jp/ Tda bkniqh] eo;
H]ejo0Lkooao > ~oapphaiajp lne_a . lqn_d]oa lne_a* t jqi^an kb od]nao dah`
Jb pda s]nn]jp eo Bp.pda.Mkjau kn Oqp.kb.pda.Mkjau- oapphaiajp lne_a skqh` ^a_kia 1 ]j`
pda ejraopkn skqh` hkoa ]hh ejraopiajpo ~lqn_d]oa lne_a t jqi^an kb od]nao dah`*/
Jp eo oeilha pk _]h_qh]pa oapphaiajp lne_a/ Lap}o qoa ] opk_g s]nn]jp pk ehhqopn]pa pdeo/ Sapphaiajp
lne_a sehh ^a pda ]ran]ca _hkoejc lne_a kb pda 6 pn]`ejc `]uo lnekn pk pda i]pqnepu `]pa iejqo
Ftan_eoa Pne_a ~bkn _]hh s]nn]jpo*0oq^pn]_pejc bnki Ftan_eoa Pne_a ~bkn lqp s]nn]jpo*- ]j` pdaj
`ere`a` ^u Dkjranoekj R]pek/ Jp odkqh` ^a jkpa` pd]p pda _hkoejc lne_a kj pda i]pqnepu `]pa
skqh` jkp ^a qoa` pk _]h_qh]pa oapphaiajp lne_a/

Ls^ilhb8
Booqiejc; Ftan_eoa Pne_a kb D]hh W]nn]jp kj BCD Dkil]ju eo IKE31/11
Dkjranoekj R]pek; 21;2
Dhkoejc lne_a ^apsaaj 36.O_p ]j` 12.Nkr;
IKE2:/91- IKE31/61- IKE31/11- IKE32/71- IKE31/31
Sapphaiajp lne_a kb a]_d s]nn]jp;
w[~2:/91 , 31/61 , 31/11 , 32/71 , 31/31*06\ y31/11x021>IKE1/153

+0
HSBC2527_booklet_e08 4/8/08 1:43 AM 19

Zeb Yom^obdfbn u Tfjb

Ypja^t Skja^t Zpbna^t ]bajbna^t Zepmna^t Mmfa^t Y^opma^t

11.0/ 12.0/ 13.0/ 14.0/ 15.0/ 16.0/ 17.0/
G`WQS G`WQS G`WQS
QOZQcZObW]\ QOZQcZObW]\ QOZQcZObW]\
ROg ROg *:Za] ZOab ROg
b`ORW\U ROg ]T
bVS eO``O\b+
18.0/ 2/.0/ 20.0/ 0.00 1.00 2.00 3.00
GcPZWQ G`WQS G`WQS >f^W`g
A]ZWROg QOZQcZObW]\ QOZQcZObW]\ RObS
ROg ROg

4.00 5.00 6.00 7.00 8.00 0/.00 00.00

Gkn ej`at s]nn]jpo- pdana eo jk jaa` pk qoa 6 `]uo pk _]h_qh]pa pda oapphaiajp lne_a/ Seilhu
qoa pda o]ia ikjpd atlenu ej`at bqpqnao _kjpn]_p kj pda oapphaiajp `]u ~FBS*- sde_d eo pda
6.iejqpa ]ran]ca lne_a kb pda ej`at/ T]ga pd]p becqna ]j` iejqo Ftan_eoa Pne_a ~bkn _]hh
s]nn]jpo*0oq^pn]_p ep bnki Ftan_eoa Pne_a ~bkn lqp s]nn]jpo* ]j` pdaj `ere`a pda jqi^an ^u
Dkjranoekj R]pek/
+Tda at]ilha eo bkn ehhqopn]pera lqnlkoao kjhu ]j` eo jkp ej`e_]pera kb bqpqna napqnjo/

+1
HSBC2527_booklet_e08 4/8/08 1:43 AM 20

: <C>:H>H LBIBFE
HSBC2527_booklet_e08 4/8/08 1:43 AM 21

\fnfkj u Ujb

J s]o klpeieope_ kj pda lne_a lanbkni]j_a kb ] _anp]ej opk_g ]j` ejpaj` pk c]ej pda i]teiqi
lnkbepo/ J dah` ] s]nn]jp qjpeh pda i]pqnepu `]pa ]j` pdaj okh` ep/ Iks _kia pda pn]`ejc kb
pda s]nn]jp s]o oqolaj`a` kj pda i]pqnepu `]pa@ Jp s]o ]j Jj.pda.Mkjau s]nn]jp ej`aa`z
HjnrbmE Wdapdan ] s]nn]jp eo Oqp.kb.pda.Mkjau- Bp.pda.Mkjau kn Jj.pda.Mkjau- ejraopkno
]na jkp ]hhksa` pk ^qu kn oahh pda s]nn]jp kj pda i]pqnepu `]pa/ Jb ]j ejraopkn `kao
jkp s]jp pk dkh` pda s]nn]jp qjpeh pda i]pqnepu `]pa pk s]ep bkn epo ]qpki]pe_ oapphaiajp-
da0oda odkqh` oahh pda s]nn]jp ^abkna pda h]op pn]`ejc `]u- ^aejc pda bkqnpd pn]`ejc
`]u ~pda oa_kj` lne_a _]h_qh]pekj `]u* lna_a`ejc pda i]pqnepu `]pa/ Jb pda ejraopkn
d]o ieooa` pda _d]j_a kb oahhejc kj pda h]op pn]`ejc `]u- da0oda sehh d]ra jk _dke_a
^qp pk s]ep l]ooerahu bkn pda _kilhapekj kb oapphaiajp/ Jb pda s]nn]jp atlenao Jj.
pda.Mkjau- cajan]hhu pda eooqan sehh l]u pda oapphaiajp ]ikqjp ej psk pk pdnaa pn]`ejc
`]uo ]bpan pda i]pqnepu `]pa/

+3
HSBC2527_booklet_e08 4/8/08 1:43 AM 22

\fnfkj u Zrk

Wks- pda _]hh s]nn]jp kj BCD eo ok atlajoera pd]p pda lnaieqi eo ]hikop 21|/ Oj pda
_kjpn]nu- pda _]hh s]nn]jp kj XYZ eo ikna ]bbkn`]^ha- ep}o kjhu 7|/ Lap}o lqn_d]oa pda _]hh
s]nn]jp kj XYZz
HjnrbmE Pnaieqi nabano pk sd]p lan_ajp]ca pda qj`anhuejc ]ooap d]o pk neoa ~bkn _]hh s]nn]jpo*
0b]hh ~bkn lqp s]nn]jpo* bkn ] s]nn]jp ejraopkn pk ^a_kia ^na]g.araj eb da0oda lqn_d]oao
pda s]nn]jp ]p olkp ]j` dkh`o ep qjpeh pda i]pqnepu `]pa/ Tda bkniqh] eo ]o bkhhkso;

[Ftan_eoa Pne_a , ~W]nn]jp Pne_a t Dkjranoekj R]pek*\ .

Uj`anhuejc Booap Slkp Pne_a
D]hh W]nn]jp lnaieqi > t 211|
Uj`anhuejc Booap Slkp Pne_a

Uj`anhuejc Booap Slkp Pne_a .

[Ftan_eoa Pne_a . ~W]nn]jp Pne_a t Dkjranoekj R]pek*\
Pqp W]nn]jp lnaieqi > t 211|
Uj`anhuejc Booap Slkp Pne_a

Jj pdaknu- pda hksan pda lnaieqi- pda _hkoan pda olkp lne_a kb pda qj`anhuejc ]ooap eo pk pda
^na]g.araj lkejp/ Tda ]ooap skqh` kjhu jaa` ] oi]hh n]jca kb neoa0b]hh pk aj]^ha pda ejraopkn
pk ^a_kia ^na]g.araj kn araj c]ej lnkbepo/ Iksaran- ikop ejraopkno skqh` kjhu dkh` s]nn]jpo
bkn ] ranu odknp lanek` kb peia ]j` oahh pdai kqp ^abkna pda i]pqnepu `]pa ej kn`an pk opkl hkooao
0c]ejo/ Jj pdeo _]oa- qoejc lnaieqi pk _]h_qh]pa pda harah kb pda ^na]g.araj lkejp `kao jkp
pahh iq_d ej na]hepu/ Nkn _]j ep ^a qoa` pk ]ooaoo sdapdan pda s]nn]jp eo r]hqa.bkn.ikjau/
Mknakran- pk oejcha kqp pda _kil]neokj kb Pnaieqi harah ^apsaaj s]nn]jpo- ]j ejraopkn i]u
pdanabkna kranhkkg pda `ebbanaj_ao ej r]nekqo ]ola_po oq_d ]o i]pqnepu `]pa- Jilhea` Vkh]pehepu-
]j` ok kj/ Wepd nac]n` pk pda _]hh s]nn]jp kj BCD ]o iajpekja` ]^kra- ]hpdkqcd epo Pnaieqi
eo ]o decd ]o 21|- ep i]u ^a i]pqnejc ej oet ikjpdo/ Gkn pda _]hh s]nn]jp kj XYZ sde_d d]o ]
7| Pnaieqi- ep i]u atlena ej fqop psk saago/ Jp eo lkooe^ha pd]p pda Jilhea` Vkh]pehepu kb XYZ
eo iq_d decdan pd]j pd]p kb BCDz
Tdanabkna- ejraopkno `k jkp jaa` pk hkkg bkn s]nn]jpo sepd hks Pnaieqi ej ] `ahe^an]pa i]jjan/
Jjopa]`- pdau odkqh` bk_qo kj _kil]nejc Jilhea` Vkh]pehepu ~]j` p]ga pd]p ]o ] op]j`]n` kb
`apaniejejc sdapdan pda s]nn]jpo ]na atlajoera kn jkp*- ]j` p]ga jkpa kb _h]qoao oq_d ]o
Ftan_eoa Pne_a- Fbba_pera Ha]nejc- pani ]j` ok kj/

,*
HSBC2527_booklet_e08 4/8/08 1:43 AM 23

\fnfkj u Zembb

Wd]p i]gao psk s]nn]jpo sepd pda o]ia qj`anhuejc ]ooap- o]ia Ftan_eoa Pne_a ]j` i]pqnepu
`]pa d]ra `ebbanajp oapphaiajp lne_ao@ I]oj}p pda eooqan c]eja` pda olna]` kb Jilhea` Vkh]pehepu
ej pda lne_a kb pda s]nn]jpo@ Iks _kia pdana eo ]j ]``epekj]h _d]nca@
HjnrbmE Tdeo eo i]ejhu ^a_]qoa pda psk s]nn]jpo kb pda o]ia qj`anhuejc ]ooap d]ra `ebbanajp
Dkjranoekj R]peko/ Jj l]npe_qh]n- ej`at s]nn]jpo qj`anheja` ^u pda I]jc Sajc Jj`at
]j` I]jc Sajc Ddej] Fjpanlneoao Jj`at `ebban ej Dkjranoekj R]pek ikna oecjebe_]jphu/
Tdeo eo jkp ] i]ppan kb _d]ncejc ]j ]``epekj]h baa/
Ft]ilha+;

<OZZ MO``O\b : ]\ :;< <][^O\g <OZZ MO``O\b ; ]\ :;< <][^O\g

Ftan_eoa Pne_a; IKE46/11 Ftan_eoa Pne_a; IKE46/11

Dkjranoekj R]pek; 2;2 Dkjranoekj R]pek; 21;2
M]pqnepu E]pa; 37.O_p.17 M]pqnepu E]pa; 37.O_p.17
Sapphaiajp Pne_a; IKE47/99 Sapphaiajp Pne_a; IKE47/99
Sapphaiajp Pne_a kb a]_d s]nn]jp; Sapphaiajp Pne_a kb a]_d s]nn]jp;
~47/99y46/11*02>IKE2/99 ~47/99y46/11*021>IKE1/299

Ca_]qoa 21 W]nn]jp C sehh ^a jaa`a` pk _kjpnkh kja od]na kb BCD Dkil]ju< daj_a-
pda ]_pq]h oapphaiajp lne_a eo fqop 21| kb W]nn]jp B/
+Tda at]ilha eo bkn ehhqopn]pera lqnlkoao kjhu ]j` eo jkp ej`e_]pera kb bqpqna napqnjo/

,+
HSBC2527_booklet_e08 4/8/08 1:43 AM 24

\fnfkj u Mkpm

Bo ]j ejraopiajp pkkh sepd ] haran]cejc ba]pqna- pda hksan pda lne_a kb ] s]nn]jp- pda decdan
pda c]ejo bkn a]_d qjep _d]jca ej lne_a/ Tdanabkna- pdkoa ^ahks.21 _ajpo.s]nn]jpo ]na pda
s]nn]jpo pk p]ncap/ Opdanseoa- pdana eo jk s]u pk iqhpelhu pda lnkbepoz
HjnrbmE Cahks.21 _ajpo.s]nn]jpo ~e/a/ s]nn]jp lne_a hksan pd]j 21 _ajpo* qoq]hhu ]na pdkoa
Oqp.kb.pda.Mkjau s]nn]jpo sde_d sehh atlena ej ] ranu odknp lanek` kb peia/ Tda
_d]j_a kb jkp ^aejc ]^ha pk atan_eoa arajpq]hhu eo atpnaiahu decd/ Tdanabkna- pdau
]na kb ] decdhu ola_qh]pera ba]pqna/ Jj b]_p- ]j ejraopkn op]j`o heppha _d]j_a kb sejjejc
^u lqn_d]oejc ^ahks.21 _ajpo.s]nn]jpo ^a_]qoa da0oda d]o pk b]_a decd ejraopiajp
neogo/ Tdana ]na psk i]fkn neogo pk ^a aj_kqjpana`;
2/ Teia `a_]u; Teia `a_]u kb ] odknp.pani Oqp.kb.pda.Mkjau s]nn]jp _kqh` na]_d ]
_kqlha kb lan_ajp]ca lkejpo kj ] `]ehu ^]oeo/ Fraj pda lne_a kb pda
qj`anhuejc ]ooap nai]ejo qj_d]jca`- pda s]nn]jp lne_a sehh opehh ck
`ksj/
3/ Lks Eahp]; Cahks.21 _ajpo.s]nn]jpo ]na ikophu Oqp.kb.pda.Mkjau- ]j` ok pdau
i]u d]ra ] ranu hks Eahp] sde_d eo _hkoa pk 1/ Tdeo ia]jo pd]p bkn
aranu qjep _d]jca ej lne_a kb pda qj`anhuejc ]ooap- pda s]nn]jp lne_a
i]u ikra ranu heppha kn araj nai]ej qj_d]jca`/ Ujhaoo pda qj`anhuejc
]ooap atlaneaj_ao ] dqca bhq_pq]pekj- bkn ejop]j_a pda s]nn]jp _d]jcao
bnki Oqp.kb.pda.Mkjau pk Bp.pda.Mkjau kn araj Jj.pda.Mkjau-
kpdanseoa ]j ejraopkn op]j`o ] ranu decd _d]j_a kb hkoejc/

,,
HSBC2527_booklet_e08 4/8/08 1:43 AM 25

\fnfkj u Mfqb

Wd]p i]gao pda lne_a kb _anp]ej s]nn]jpo ^aejc hksan pd]j pdaen Jjpnejoe_ V]hqa@ Wdeha pda
i]pqnepu `]pa eo opehh ] _kqlha ikjpdo ]s]u- ep _]jjkp ^a fqopebea` pd]p pda peia r]hqa d]o
_kilhapahu ckja/ Jp eo fqop pkk ne`e_qhkqo eb pda Jjpnejoe_ V]hqa d]o jkp ^aaj bqhhu nabha_pa` ]o
sahhz
HjnrbmE Wdaj pda Jjpnejoe_ V]hqa kb ] s]nn]jp eo hksan pd]j pda `ebbanaj_a ^apsaaj pda lne_a
kb pda qj`anhuejc ]ooap ]j` epo Ftan_eoa Pne_a- oq_d eo ok._]hha` zjac]pera Pnaieqi{
oepq]pekj/ Tdeo eo ]ppne^qpa` pk ] jqi^an kb b]_pkno;
2/ Tda qj`anhuejc ]ooap eo _hkoa pk at.`ere`aj`- ^qp oej_a pda s]nn]jp d]o ]hna]`u
p]gaj ejpk ]__kqjp pda `ere`aj` b]_pkn ej pda benop lh]_a- oq_d `ere`aj` sehh jkp ^a
nabha_pa` ej pda s]nn]jp lne_a/
3/ Tda s]nn]jp eo _hkoan pk i]pqnepu/
4/ Tda pn]`ejc kb pda s]nn]jp eo ranu ej]_pera- ok pd]p ep eo qj]^ha pk i]ga ]`fqopiajpo
^u _hkoahu bkhhksejc pda `]ehu ikraiajp kb pda qj`anhuejc ]ooap/
5/ Tda s]nn]jp eo ]j atkpe_ s]nn]jp/

\fnfkj u Yfs

J d]ra jkpa` kj jasol]lan pd]p pda j]ia kb ] s]nn]jp eo zIS.BCDAFD1923D{- sd]p at]_phu
`kao pdeo opnejc ia]j@
OY s]nn]jp eooqan< IS eilheao pd]p pda s]nn]jp eo eooqa` ^u ISCD
HIJ qj`anhuejc ]ooap
G _]od oapphaiajp
L s]nn]jp pula< F nabano pk Fqnkla]j opuha- B eo Biane_]j opuha- X eo atkpe_ s]nn]jp
J _]hh s]nn]jp< lqp s]nn]jp sehh d]ra ] P
=C>? nabano pk pda i]pqnejc ua]n ]j` ikjpd kb pda s]nn]jp< _da_g pda heopejc `k_qiajp
kb pda s]nn]jp bkn pda at]_p `]pa
J Bj ]hld]^ap ^adej` pda ua]n ]j` ikjpd nalnaoajpo pda o]ia eooqan d]rejc eooqa`
ikna pd]p kja _]hh s]nn]jp0lqp s]nn]jp ej pda i]ngap sepd pda o]ia qj`anhuejc ]ooap
]j` i]pqnejc ej pda o]ia ikjpd ]j` ua]n

,-
HSBC2527_booklet_e08 4/8/08 1:43 AM 26

\fnfkj u Ybqbj

Jo ^quejc ]j` oahhejc s]nn]jpo ]j ]hh.sa]pdan ^qoejaoo@

HjnrbmE Nk/ Wdaj pda i]ngap `kao jkp odks ] _ha]n `ena_pekj ]j` Jilhea` Vkh]pehepu eo lnkja
pk b]hh- jaepdan ^quejc jkn oahhejc s]nn]jpo eo ]llnklne]pa/ Jjraopkno odkqh` s]ep bkn
pda lneia peia pk ejraop/

\fnfkj u Lfdeo

J d]ra ]__qn]pahu lna`e_pa` pda `ena_pekj kb ] _anp]ej opk_g0ej`at ^qp pda nahar]jp s]nn]jp lne_a
`e` jkp neoa ]__kn`ejchu@ Wd]p eo pda na]okj ^adej`@ Jo pda eooqan oqllnaooejc pda lne_a@
HjnrbmE Tdana ]na i]ju na]okjo sdu pda s]nn]jp lne_a `kao jkp bkhhks pda qls]n` ikraiajp
kb pda qj`anhuejc ]ooap/ Dkiikj oepq]pekjo ej_hq`a;
2/ Jilhea` Vkh]pehepu eo b]hhejc/
3/ Tda s]nn]jp eo Oqp.kb.pda.Mkjau- ]j` pdqo d]o ] ranu hks Eahp]/
4/ Tda neoa ej Jjpnejoe_ V]hqa eo qj]^ha pk _kran peia `a_]u/
5/ Tda pn]`ejc kb qj`anhuejc ]ooap kn s]nn]jpo d]o ^aaj ej]_pera/

,.
HSBC2527_booklet_e08 4/8/08 1:43 AM 27

\fnfkj u Tfjb

Jb ] _kil]ju eo ckejc pk l]u ] ola_e]h `ere`aj`- `kao ep ia]j pd]p ]j ejraopkn sdk lnarekqohu
dah` _]hh s]nn]jpo kj oq_d _kil]ju sehh b]_a dqca hkooao@
HjnrbmE Wdaj ]j eooqan `apaniejao pda heopejc lne_a kb ] s]nn]jp- b]_pkno oq_d ]o `ere`aj`o
pk ^a l]e` ^u pda qj`anhuejc ]ooap skqh` d]ra ^aaj p]gaj ejpk ]__kqjp/ Jj b]_p- pda
s]nn]jp eooqan skqh` d]ra aopei]pa` ej ]`r]j_a bnki pda h]qj_d `]pa pdnkqcd i]pqnepu
`]pa dks i]ju peiao pda _kil]ju i]u l]u `ere`aj`o ]j` dks iq_d i]u ^a l]e`
ej pkp]h/ Ob _kqnoa- l]uejc ] ola_e]h `ere`aj` eo ]j qjqoq]h ]_p pk pd]jg od]nadkh`ano
ej napqnj- sde_d eo okiapdejc ]j eooqan _]jjkp a]oehu lna`e_p ej ]`r]j_a/ Tdanabkna-
pda s]nn]jp lne_a `kao jkp nabha_p oq_d ] b]_pkn/ Wdaj l]uejc ] ola_e]h `ere`aj`-
jkni]hhu ]j eooqan skqh` jkp ]`fqop pda Ftan_eoa Pne_a
Jj pdaknu- pda n]jca kb _d]jca ej s]nn]jp lne_a _]j ^a _]h_qh]pa` ^u pdeo bkniqh];
ola_e]h `ere`aj` t Eahp]/
Iksaran- cajan]hhu pda lne_a kb pda qj`anhuejc ]ooap sehh neoa ^a_]qoa ep sehh ^a
opeiqh]pa` ^u pda jaso kb l]uejc ] ola_e]h `ere`aj`/ Sq_d ] opeiqh]pekj i]u cn]`q]hhu
amq]h kqp b]_pkno qjb]rkn]^ha pk ] _]hh s]nn]jp kn `ehqpa b]_pkno b]rkn]^ha pk ] lqp
s]nn]jp/ Tdanabkna- ]j ejraopkn sdk lqn_d]oa` ] nahar]jp _]hh s]nn]jp ^abkna pda
_kil]ju l]uejc ] ola_e]h `ere`aj` i]u jkp oqbban cna]p hkooao ]o ]jpe_el]pa`/

,/
HSBC2527_booklet_e08 4/8/08 1:43 AM 28

Pjomkap`ofkj ok OYIJ ]^mm^jo ]b_nfob

zJjraop ej gjksha`ca ^abkna ejraopejc ej i]ngap{/ Gkn pdkoa kb ukq ejpaj`ejc pk ejraop ej
s]nn]jpo- ckk` lnal]n]pekj lnekn pk p]gejc ]ju ]_pekjo skqh` _anp]ejhu cera ukq ] decdan _d]j_a
kb oq__aoo pd]j kpdano/ ISCD s]nn]jp sa^oepa ~sss/s]nn]jpo/do^_/_ki/dg* kbbano ukq pda
h]paop jaso kb pda s]nn]jp i]ngap- s]nn]jp ejbkni]pekj- ]o sahh ]o ] s]nn]jp d]j`^kkg aola_e]hhu
bkn jkre_ao/ Tdeo kja.opkl sa^oepa ej_hq`ao aranupdejc ukq jaa`z

ISCD W]nn]jp Wa^oepa Ikial]ca

,0
HSBC2527_booklet_e08 4/8/08 1:43 AM 29

]^mm^jo Yb^m`e

Nkp oqna dks i]ju s]nn]jpo ]na ]r]eh]^ha ej pda i]ngap@ ]^mm^jo Yb^m`e ]hhkso ukq pk oa]n_d
bkn oqep]^ha s]nn]jpo ^]oa` kj _nepane] oq_d ]o eooqan- qj`anhuejc- s]nn]jp pula- ej`qopnu ]j`
ok kjz

W]nn]jp Sa]n_d

S^mgbo K^o^

Jjbkni]pekj kj h]paop ISCD s]nn]jpo heop- ikop ]_pera ISCD s]nn]jpo- pkl paj c]ejano ]j`
hkoano- kqpop]j`ejc mq]jpepu- pkl paj ikop pn]`a` s]nn]jpo- qj`anhuejc `eopne^qpekj ]o sahh ]o
sknh` ej`e_ao ]na ]hh ej S^mgbo K^o^z Ykq sehh ^a ]^ha pk _hkoahu ikjepkn pda s]nn]jp i]ngap
]j` ^a_kia kj pkl kb epz

M]ngap E]p]

,1
HSBC2527_booklet_e08 4/8/08 1:43 AM 30

Wpf`g ]^mm^jo Yb^m`e

Oja opal ]da]` kb kpdano sdaj _da_gejc l]npe_qh]n s]nn]jp ejbkni]pekjz

Jb ukq d]ra bkhhksa` pda pnaj` kb ] l]npe_qh]n s]nn]jp- ukq _]j gau ej pda s]nn]jp _k`a `ena_phu
ejpk pda z]^mm^jo Yb^m`e{ beah` kj pda pkl necdp.d]j` _knjan kb pda sa^l]ca ~]o odksj ej
^hqa _en_ha ^ahks*/ Ykq _]j pdaj bqnpdan at]ieja pda lne_a- pa_dje_]h `]p] ]j` kpdan ^]oe_
ejbkni]pekj kb pda s]nn]jp/

Qqe_g W]nn]jp Sa]n_d

Upono^jafjd Wp^jofot

Uoejc Upono^jafjd Wp^jofot- ukq _]j _da_g kqp s]nn]jp pqnjkran bkn pda l]op bas pn]`ejc
`]uo- hemqe`epu lnkre`an}o ~LP* ^qu0oahh mq]jpepeao- ]o sahh ]o kqpop]j`ejc mq]jpepu/

Oqpop]j`ejc Qq]jpepu

,2
HSBC2527_booklet_e08 4/8/08 1:43 AM 31

OYIJ ]^mm^jo O^ja_kkg 6Ifhfjdp^h7

Sq``ajhu bkncap eilknp]jp s]nn]jp paniejkhkceao sdaj ^nksoejc pda sa^oepa@ Bbpan _da_gejc
OYIJ ]^mm^jo O^ja_kkg 6Ifhfjdp^h7- mqaopekjo bnki nahar]jp paniejkhkceao pk dks pk oaha_p
s]nn]jpo ]j` oapphaiajp iapdk`o skqh` ^a naokhra` ejop]jphuz

ISCD W]nn]jp I]j`^kkg ~Cehejcq]h*

,3
HSBC2527_booklet_e08 4/8/08 1:43 AM 32

Kfn`h^fibm

JVS W\T]`[ObW]\ Q]\bOW\SR W\ bVWa R]Qc[S\b Wa WaacSR Pg JVS A]\UY]\U O\R IVO\UVOW ;O\YW\U <]`^]`ObW]\ CW[WbSR *AI;<+
T]` W\T]`[ObW]\ ]\Zg- JVS WaacO\QS ]T O\R RSbOWZa Q]\bOW\SR W\ bVWa R]Qc[S\b R] \] Q]\abWbcbS O\ ]TTS` ]` a]ZWQWbObW]\ T]`, ]`
ORdWQS bVOb g]c aV]cZR S\bS` W\b], bVS ^c`QVOaS ]` aOZS ]T O\g MO``O\ba- B\dSab]`a O`S eO`\SR bVOb bVS ^`WQS ]T bVS MO``O\ba
[Og TOZZ W\ dOZcS Oa `O^WRZg Oa Wb [Og `WaS O\R V]ZRS`a [Og acabOW\ O b]bOZ Z]aa ]T bVSW` W\dSab[S\b- N]c aV]cZR S\ac`S g]c
c\RS`abO\R bVS \Obc`S ]T bVS MO``O\ba O\R QO`STcZZg abcRg bVS `WaY TOQb]`a aSb ]cb W\ bVS ;OaS CWabW\U =]Qc[S\b O\R bVS
`SZSdO\b Ic^^ZS[S\bOZ CWabW\U =]Qc[S\b O\R, eVS`S \SQSaaO`g, aSSY ^`]TSaaW]\OZ ORdWQS PST]`S g]c W\dSab W\ bVS MO``O\ba-
;ST]`S ^c`QVOaW\U bVS MO``O\ba g]c aV]cZR S\ac`S bVOb g]c TcZZg c\RS`abO\R bVS ^]bS\bWOZ `WaYa O\R `SeO`Ra O\R
W\RS^S\RS\bZg RSbS`[W\S bVOb bVSg O`S O^^`]^`WObS T]` g]c UWdS\ g]c` ]PXSQbWdSa, Sf^S`WS\QS, TW\O\QWOZ O\R ]^S`ObW]\OZ
`Sa]c`QSa O\R ]bVS` `SZSdO\b QW`Qc[abO\QSa- B\dSab]`a aV]cZR \]bS bVOb AI;< OQbW\U bV`]cUV Wba O^^]W\bSR ZW_cWRWbg
^`]dWRS` [Og PS bVS ]\Zg [O`YSb ^O`bWQW^O\b W\ bVS MO``O\ba- GZSOaS `SOR bVS RWaQZOW[S` W\ `SZObW]\ b] bVS AO\U IS\U B\RSf
O\R AO\U IS\U <VW\O >\bS`^`WaSa B\RSf W\ bVS `SZSdO\b Ic^^ZS[S\bOZ CWabW\U =]Qc[S\ba-

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