newt's freddie mac agreement

15
8/3/2019 Newt's Freddie Mac Agreement http://slidepdf.com/reader/full/newts-freddie-mac-agreement 1/15 7987pm#&977I ^l? 11 WHS YBUBFULKF HDYBBJBFU Ak~by Whdb hfe Hdybbjbfu Jheb hq kn ucb [8 )[ eh| kn Ohfrhy|- 977>- i| 8888e ibutbbf Nbebyhm Ckjb Mkhf Jkyudhdb Akywkyhulkf,- h qchybckmeby*ktfbe dk~byfjbfu qwkfqkybe bfubywylqb #)Wybm0mumla Jha), hfe ucb akfqrmuhfu 78$ nlyj qbu nkyuc ibmkt #ucb )Akfqrmuhfu),& Uhmq Ybubfulkf Hdybbjbfu #uclq )Hdybbjayf), qbuq nkyuc ucb ubyjq kn nyb ee lb J h a$q ybubfulkf kn Akfqrmuhfu uky ucb qby~labq #ucb )Qby~labq), ebqaylibe lf Bsclilu _& $8$888% Hdybbjbfu akfqlquq kn ucb nkmmktlfd akjwkfbfuq tm8Pbc ukdbucby nkyj- uclq Hdybbjbfu? Uclq qrjjhy| whdb #ucb )Ak~by Whdb),- Bsclilu 8v´Ubyj2 hfe Akfelulkfq- Bsclilu 9**Qakwb kn Qby~labq hfe NL?AQ- hfe L?]sclilu ovAkf1r(uhfu$q$JhuaylhL2& U08A nkmmktlfd lfnkyjhulkf lq lfakywkyhube i| ybnbybfab lfuk yb mb ~h fu wkyulkfq kn Bsclilu 8[[?[Ubyf8-Qj) Akfelulkfq- Nybeelb Jha Wykobau Bsbarul~b #fhjh- heeybqq- ubm&- nhs&,? Akfqrmuhfu #k yd hf lzhu lk f f hjb- hee ybq q- ubm &- nhs&,? Quhub lf tclac kydhfl zhu okf thq nkyjbe? Akfqrmuhfu$q Wylfalwhm Akfuhau #fhjb& ubm&- nhs&,? Akfqrmuhfu$q Hqqldfbe Lfel~lerhm #lCvm88b- ubm&- - nhs&,? Ubyj? Jkfucm| Ybuhlfby Nbb)? Jhsljrj Ybuhlfby nbb Wh|himb erylfd Uaf88& Jhsljrj Jkfucm| Kru*kn*Wka`bu Bswbfqbq Wh|himb? J h s lj r j Akjwbfqhulkf Wh|himb erylfd Ubyj)? /ybnby uk Bsclilu 9*Q=?kwb kn Qby~labq hfe Nbbq nky jkyb qwbalnla nbb lfnkyjhulkf& HDYBBE UK HFE HAABWUBv0 Elybauky- Wrimla Wkmla|- Ayhld Uckjhq 3977 Okfbq Iyhfac Eyl~b- J LQ 558 JaMbhf- ^H ?9&97<8 Wckfb#871,<71v1972 Dlfdylac Dykrw 8592 @ Quybbu FT- Qrlub 427 Thqclfdukf EA Wckfb #979, 142v9778Nhs #979, 142*971> Jv$&Qakuu Akuuby 8592 @ Quybbu FT- Qrlub 427 Thqclfdukf- EA $ Wckfb #979, 142*9778 Nhs #979m142*971> F+H 8+mn7> ucykrdc 89+1LO7> % 9v)KKK %177-777 %*7* %177-777 UCB DLFDYLAC DYKRW NBEBYHM CKJB MKHF JKYUDHDB AKYWKYHUnKF v- |? Wylfu Fhjb? Qa?&au8? J& vv Ulumb? Jhvbs& DbfbyvR.fuyhaulfd

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Page 1: Newt's Freddie Mac Agreement

8/3/2019 Newt's Freddie Mac Agreement

http://slidepdf.com/reader/full/newts-freddie-mac-agreement 1/15

7987pm#&977I ^l? 11 WHS

YBUBFULKF HDYBBJBFUAk~by Whdb hfe Hdybbjbfu

Jheb hq kn ucb [8 )[ eh| kn Ohfrhy|- 9 77 >- i | 8 8 8 8 e ibut bbf Nbebyhm C kj b Mkhf Jkyudhdb Akywkyhulkf,- h

qc hyb ck me by*k t fb e d k~b yf jb fu qwk fqk yb e bfubywylqb #)Wybm0mumla Jha), hfe ucb akfqrmuhfu 78$ nlyj qbu nkyuc ibmkt

# uc b )Akfqrm uh f u) ,&

U hm q Y bu bf ulk f H dybbj bfu #uc lq )Hd ybbj ayf), qbuq nkyuc ucb ub yj q kn nyb ee lb J h a$q yb ubf ulk f kn Akfqrmuhfu uky u cb q by ~l ab q

# ucb )Qby~ labq) , ebqay libe l f Bsc li lu _ & $8$888%Hdybbjbfu ak fqlquq k n ucb nk mmk tlf d ak jwk fbf uq t m8Pb c ukdbucby nk yj- uc lqH dybbj bf u? Uclq qrj jhy| whdb #ucb )Ak~b y Whdb),- B sclilu 8v´Ubyj2h f e Akfe lu lk f q- Bsclilu 9**Qakwb k n Q by~ labq hfe

N L ? A Q - hfe L ?] sc li l u ovAkf1r(uhfu$q$JhuaylhL2&

U 0 8 A nkmmktlfd lf nk yj h ulk f lq lf ak yw ky hu be i| ybnbybfab lfuk yb mb ~h fu wk yulk fq k n Bsclilu 8[[?[Ubyf 8-Qj) Akfelulkfq-

Nybeelb Jha Wykobau Bsbarul~b #fhjh- heeybqq-

u bm &- n h s &, ?

Akfqrm uhf u #kydhflzhulkf fhjb- heeybqq- ubm &- nhs&,?

Quhub lf tclac kydhfl zhu okf thq nkyjbe?

A kf qr muh fu$q W ylf alw hm A kf uh au #f hj b & u bm &- n hs &,?

Akfqrmuhfu$q Hqqldfbe Lfel~lerhm #lCvm88b- ubm&-- nhs &,?

Ubyj?

Jkfucm| Ybuhlfby Nbb)?

Jhsljrj Ybuhlfby nbb Wh|himb erylfd U a f 8 8 &

J h slj rj J k fucm| K ru*k n*Wk a`b u B swbf qbq

Wh|himb?

Jh s lj rj Akjwb fq hulk f Wh|himb erylfdUbyj)?

/ybnby uk Bsclilu 9*Q=?kwb kn Qby~labq hfe Nbbq nky

jkyb qwbalnla nbb lfnkyjhulkf&

HDYBBE UKHFEHAABWUBv0

Elybauky- Wrimla Wkmla|- Ayhld Uckjhq

3 97 7 Ok fb q Iyhfac Eyl~b- J LQ 558

J aMbhf - ^H ?9&97<8

Wckfb#871,<71v1972

Dlfdylac Dykrw

8592 @ Quybbu FT- Qrlub 427

Thqclfdukf EAWckfb #979, 142v9778Nhs #979, 142*971>

Jv$&Qakuu Akuuby8592 @ Quybbu FT- Qrlub 427Thqclfdukf- EA $

Wckfb #979, 142*9778 Nhs #979m142*971>

F +H

8+mn7> ucykrdc 89+1LO7>

% 9v)KKK%177-777

%*7*

%177-777

UCB DLFDYLAC DYKRW NBEBYHM CKJB MKHF JKYUDHDBAKYWKYHUnKF

v-|?

Wylfu Fhjb? Q a ? & a u 8 ? J& vv

Ulumb? Jhvbs& DbfbyvR.fuyhaulfd

Page 2: Newt's Freddie Mac Agreement

8/3/2019 Newt's Freddie Mac Agreement

http://slidepdf.com/reader/full/newts-freddie-mac-agreement 2/15

Bsclilu 8

Ubyjq hfe Akfelulkfq

8& Qakwb hfe Quhfehye kn Qby~labq

h, Lf dbfbyhm- ucb qby~labq uk ib wyk~lebe i| Akfqrmuhfu cbybrfeby akfqlqu knakfqrmulfd qby~labq hfe Akfqrmuhfu tlmm wyk~leb ucb qby~labq hq ebqaylibe lf

Bsclilu 9 #ucb )Qby~labq),& Bhac ybwkyu- jhfrhm- qknuthyb- tky` kn hruckyqclw-

wykabqq- wmhf hfe hf| kucby jhubylhm Akfqrmuhfu eb~bmkwq- wybwhybq ky tky`q rwkf

wryqrhfu uk uclq Hdybbjbfu hfe wyk~lebq uk ky lq ybxrlybe i| uclq Hdybbjbfu uk

wyk~leb uk Nybeelb Jha lq h )Ebml~byhimb&)

i, Akfqrmuhfu tlmm wbynkyj qby~labq rfeby uclq Hdybbjbfu lf h cldcm| wyknbqqlkfhm

jhffby akfqlqubfu tluc ucb xrhmlu| wyk~lebe i| kucby ukw nlyjq wyk~lelfd

akjwhyhimb qby~labq lf ucb Thqclfdukf- E&A& jbuykwkmluhf hybh- hfe lf haakyehfab

tluc hmm hwwmlahimb mbdhm ybxrlybjbfuq- lfamrelfd hf| qwbalnla mbdhm ybxrlybjbfuq

whyularmhy uk ucb Qby~labq- ucb ybxrlybjbfuq kn uclq Hdybbjbfu hfe qrac heelulkfhm

dbfbyhm ybxrlybjbfuq hq jh| ib bquhimlqcbe i| Nybeelb Jha nykj uljb uk uljb

#qrac hq- iru fku mljlube uk- wkmlalbq akfabyflfd irlmelfd haabqq- qbarylu|-

lfnkyjhulkf xrhmlu| jhfhdbjbfu- akfnlebfulhmlu| kn lfnkyjhulkf- el~byqlu| hfe fkf*

elqayljlfhulkf,& Hmm lfel~lerhmq tckj Akfqrmuhfu qbmbauq uk wbynkyj qby~labq kf

luq ibchmn tlmm ib bswbylbfabe- wykwbym| uyhlfbe- mlabfqbe #lnmbdhmm| ybxrlybe, hfe

kucbytlqb xrhmlnlbe hfe ahwhimb kn wbynkyjlfd lf haakyehfab tluc ucb

ybxrlybjbfuq kn uclq Hdybbjbfu& Akfqrmuhfu ybwybqbfuq hfe thyyhfuq uchu lu chq

hfe tlmm jhlfuhlf- hq hwwmlahimb- hmm mlabfqbq hfe wbyjluq fbabqqhy| uk wbynkyj ucb

Qby~labq& Akfqrmuhfu lq ybqwkfqlimb nky bfqrylfd uchu hmm lfel~lerhmq lu hqqldfq uk

wyk~leb Qby~labq hyb wbynkyjlfd lf haakyehfab tluc uclq Hdybbjbfu hu h mb~bm- hfe

lf h jhffby- uchu lq haabwuhimb uk Nybeelb Jha& Ucb Nybeelb Jha Wykobau

Bsbarul~b lebfulnlbe kf ucb Ak~by Whdb #hq jkelnlbe i| Nybeelb Jha nykj uljb uk

uljb, lq Akfqrmuhfu$q wyljhy| akfuhau hu Nybeelb Jha nky Qby~labq wbynkyjbe

rfeby uclq Hdybbjbfu& Ucb Nybeelb Jha Wykobau Bsbarul~b tlmm ch~b ucb yldcu uk

akkyelfhub hmm Qby~labq wbynkyjbe i| Akfqrmuhfu wryqrhfu uk uclq Hdybbjbfu& Ln

qwbalnlbe kf ucb Ak~by Whdb- ucb Qby~labq tlmm ib wbynkyjbe wyljhylm| i| ucb

wbyqkf lebfulnlbe kf ucb Ak~by Whdb hq )Akfqrmuhfu$q Hqqldfbe Lfel~lerhm&)

a, Ucb Qby~labq tlmm ib wbynkyjbe lf haakyehfab tluc qrac uljbnyhjbq hq ucb Nybeelb

Jha Wykobau Bsbarul~b qchmm ybxrlyb- eb~bmkwbe tcbf nbhqlimb- lfakforfaulkf tluc

Akfqrmuhfu& Erylfd ucb ubyj kn ucb Hdybbjbfu- Akfqrmuhfu tlmm wyk~leb quhurq

ybwkyuq uk ucb Nybeelb Jha Wykobau Bsbarul~b tclac krumlfb Akfqrmuhfu$q wykdybqq lf

haakyehfab tluc ucb whyulbq$ jrurhmm| wybebubyjlfbe uljbnyhjbq hfe tlmm lfamrebqrac kucby lfnkyjhulkf ybmhube uk ucb Qby~labq hq Nybeelb Jha jh| ybxrbqu&

Akfqrmuhfu tlmm hmqk qrwwm| akwlbq kn hf| elqamkqrybq ky ybwkyuq lu jh| ib ybxrlybe uk

nlmb i| mht- qrac hq ybwkyuq nlmbe rfeby ucb Mkii|lfd Elqamkqryb Hau&

e, Wyl~lmbdb& H akywkyhulkf hfe luq lfqleb hfe kruqleb akrfqbm jrqu uh`b whyularmhy

ahyb fku uk thl~b ucb huukyfb|*amlbfu wyl~lmbdb hfe ucb wykubaulkfq wyk~lebe i| ucb

huukyfb| tky` wykerau ekauylfb& Akfnlebfulhmlu| lq kn rujkqu ljwkyuhfab&

Page 3: Newt's Freddie Mac Agreement

8/3/2019 Newt's Freddie Mac Agreement

http://slidepdf.com/reader/full/newts-freddie-mac-agreement 3/15

Akfqrmuhfu tlmm uh`b hmm fbabqqhy| wybahrulkfq uk wykubau ucb huukyfb|*amlbfu

wyl~lmbdb hfe ucb wykubaulkfq wyk~lebe i| ucb huukyfb| tky` wykerau ekauylfb&

9& Akjwbfqhulkf

h, Hq akjwbfqhulkf lf nrmm lf bsachfdb nky ucb Qby~labq uchu akjwm| tluc ucb

ybxrlybjbfuq kn uclq Hdybbjbfu- Nybeelb Jha tlmm wh| Akfqrmuhfu nky Qby~labqybfebybe rfeby ucb Hdybbjbfu lf haakyehfab tluc ucb Jkfucm| Ybuhlfby hjkrfu

qbu nkyuc kf ucb Ak~by Whdb& Fk ybljiryqbjbfu nky bswbfqbq tlmm ib wh|himb

rfeby uclq Hdybbjbfu& Nybeelb Jha tlmm ch~b ucb yldcu uk lfaybhqb ucb Jhsljrj

Akjwbfqhulkf Wh|himb hjkrfu qwbalnlbe kf ucb Ak~by Whdb tluckru Akfqrmuhfu$q

akfqbfu- bnnbaul~b rwkf tyluubf fkulab uk Akfqrmuhfu&

i, Kf ucb 82uc eh| kn bhac jkfuc- Akfqrmuhfu tlmm qrijlu uk ucb huubfulkf kn ucb

Nybeelb Jha Wykobau Bsbarul~b hf lf~klab uchu lfamrebq h ebuhlmbe ebqaylwulkf kn

ucb Qby~labq wbynkyjbe erylfd ucb wylky jkfuc& Nybeelb Jha tlmm fku ib ybxrlybe

uk wh| hf| lf~klab ybabl~be nky wh|jbfu jkyb uchf >7 eh|q hnuby ucb jkfuc ilmmbe&

Nybeelb Jha tlmm yburyf rfwhle lf~klabq qrijluube hnuby ucb utk*jkfuc aru knn

ehub& Nybeelb Jha tlmm wh| nky Qby~labq wbynkyjbe tluclf uclyu| #17, eh|q hnuby

ybablwu kn hf| wykwbym| ekarjbfube jkfucm| lf~klab- wyk~lebe uchu hmm

ybxrlybjbfuq kn ucb Hdybbjbfu ch~b ibbf akjwmbube lf h qhulqnhauky| hfe uljbm|

jhffby&

a, Akfqrmuhfu tlmm ib qkmbm| ybqwkfqlimb nky nlmlfd hmm uhs yburyfq hfe wh|lfd hmm uhsbq

uchu jh| ib ybxrlybe ky erb ihqbe kf ky ybmhube uk wh|jbfuq ybabl~be nykj

Nybeelb Jha rfeby uclq Hdybbjbfu&

e, Akfqrmuhfu lq wyk~lelfd Qby~labq hq hf lfebwbfebfu akfuyhauky& Fkuclfd lf uclq

Hdybbjbfu tlmm aybhub hf| hqqkalhulkf- whyufbyqclw ky oklfu ~bfuryb ky hf| hdbfa|

ky bjwmk|by*bjwmk|bb ybmhulkfqclw ibutbbf Nybeelb Jha hfe Akfqrmuhfu& Fblucby

Akfqrmuhfu fky luq bjwmk|bbq- hdbfuq ky qriakfuyhaukyq tlmm ybwybqbfu ucbjqbm~bq-

blucby kyhmm| ky lf tylulfd- uk ib Nybeelb Jha$q bjwmk|bbq ky hdbfuq&

1& Ubff

h, Ucb ubyj kn uclq Hdybbjbfu #ucb )Ubyj), tlmm akjjbfab hfe ubyjlfhub kf ucb

ehubq qbu nkyuc rfeby ucb )Ubyj) kf ucb Ak~by Whdb- rfmbqq ucb Ubyj lq bsubfebe

i| jrurhm hdybbjbfu kn ucb whyulbq ky qkkfby ubyjlfhube wryqrhfu uk ucb wyk~lqlkfq

kn uclq Hdybbjbfu&

i, Ubff Bsubfqlkf ky Ybfbthm& Nybeelb Jha tlmm ch~b ucb yldcu- ybwbhubem| erylfducb Ubyj- lfamrelfd hf| Ybfbthm Ubyj #hq ebnlfbe ibmkt,- hfe tluckru

Akfqrmuhfu$q akfqbfu- uk blucby bsubfe ky ybfbt ucb Ubyj ib|kfe ucb ucbf*aryybfu

bswlyhulkf ehub&

a, Wykaberyb nky Ubyj Bsubfqlkf ky Ybfbthm& Ln Nybeelb Jha ebqlybq uk bsubfe ky

ybfbt ucb Ubyj wryqrhfu uk Qbaulkf 1#i,- Nybeelb Jha tlmm lqqrb hf hjbfejbfu uk

ucb Hdybbjbfu uchu tlmm ib bsbarube i| Nybeelb Jha iru tlmm fku ybxrlyb

bsbarulkf i| Akfqrmuhfu& Ln Akfqrmuhfu kiobauq uk ucb Ubyj bsubfqlkf ky ybfbthm-

Page 4: Newt's Freddie Mac Agreement

8/3/2019 Newt's Freddie Mac Agreement

http://slidepdf.com/reader/full/newts-freddie-mac-agreement 4/15

lu tlmm fkuln| Nybeelb Jha lf tylulfd tluclf utbfu| #97, irqlfbqq eh|q hnuby

Akfqrmuhfu$q ybablwu knucb Hjbfejbfu& Ln Akfqrmuhfu nhlmq uk fkuln| Nybeelb Jha

lf tylulfd uchu lu kiobauq uk ucb Ubyj bsubfqlkf ky ybfbthm tluclf ucb utbfu| #97,

irqlfbqq eh| wbylke- Akfqrmuhfu tlmm ib ebbjbe akfamrql~bm| uk ch~b hdybbe rwkf

ucb Ubyj bsubfqlkf ky ybfbthm&

5& Ubyjlfhulkf

h, Nybeelb Jha jh| ubyjlfhub uclq Hdybbjbfu nky hf| ybhqkf lf luq qkmb elqaybulkf rwkf

tyluubf fkulab uk Akfqrmuhfu& LnNybeelb Jha ubyjlfhubq uclq Hdybbjbfu nkyakf~bflbfab kfm| hfe fku erb uk Akfqrmuhfu$q ebnhrmu- ucbf qriobau uk ucb wyk~lqlkfq kn

Qbaulkf 9- Nybeelb Jha tlmm wh| Akfqrmuhfu nky ucb ybhqkfhimb ~hmrb kn hmm Qby~labq

wyk~lebe wylky uk ucb ehub kn ubyjlfhulkf- iru tlmm ch~b fk kucby mlhilmlulbq ky

kimldhulkfq uk Akfqrmuhfu rfeby uclq Hdybbjbfu& Ucb ybhqkfhimb ~hmrb tlmm ib

ebubyjlfbe ihqbe kf tky be wbynkyjbe i| Akfqrmuhfu&

i, Bfulumbjbfu uk Jhubylhmq& Lf ucb b~bfu kn hf| ubyjlfhulkf kn uclq Hdybbjbfu

#lfamrelfd ikuc ubyjlfhulkfq nky ebnhrmu hfe ubyjlfhulkfq nky akf~bflbfab,-

Nybeelb Jha tlmm ib bfulumbe uk ybabl~b hmm jhubylhmq wybwhybe i| Akfqrmuhfu lf

akffbaulkf tluc ucb Hdybbjbfu- lfamrelfd- tluckru mljluhulkf- hf| eyhnu

Ebml~byhimbq hfe kucby tky lf wykdybqq&

2& Akfnlebfulhm Lfnkyjhulkf

h, Nybeelb Jha Lfnkyjhulkf& Ucb ubyj )Nybeelb Jha Lfnkyjhulkf) jbhfq hmm

lfnkyjhulkf wyk~lebe i| Nybeelb Jha #ky i| kucbyq tky`lfd tluc Nybeelb Jha,

uk Akfqrmuhfu- ky uk tclac Akfqrmuhfu lq bswkqbe hq h ybqrmu kn ky lf akffbaulkf

tluc uclq Hdybbjbfu ky tclmb wyk~lelfd Qby~labq ky Ebml~byhimbq- tcbucby

ebml~bybe kyhmm|- bmbauykflahmm| ky lf tylulfd hfe tcbucby ky fku lu lq qwbalnlahmm|

jhy`be ky ebqldfhube akfnlebfulhm& Ucb ubyj )Nybeelb Jha Lfnkyjhulkf) hmqk

lfamrebq? #l, ucb qriobau jhuuby kn Qby~labq hfe Ebml~byhimbq nky tclac Nybeelb

Jha chq bfdhdbe Akfqrmuhfu uk wyk~leb? hfe #ll, hmm jhubylhmq uchu Akfqrmuhfu

wybwhybq ihqbe kf Nybeelb Jha Lfnkyjhulkf- lfamrelfd- tluckru mljluhulkf- fkubq

jheb i| Akfqrmuhfu ihqbe kf elqarqqlkfq tluc Nybeelb Jha bjwmk|bbq hfe hf|

ybwkyuq hfe kucby Ebml~byhimbq&

i, Rqb- Elqamkqryb hfe Akw|lfd kn Nybeelb Jha Lfnkyjhulkf& Akfqrmuhfu tlmm uybhu

hmm Nybeelb Jha Lfnkyjhulkf hq quylaum| akfnlebfulhm& Tluckru mljlulfd ucb

nkybdklfd?

#l, Akfqrmuhfu tlmm fku rqb Nybeelb Jha Lfnkyjhulkf bsabwu uk ucb bsubfufbabqqhy| uk wbynkyj luq kimldhulkfq uk Nybeelb Jha rfeby uclq Hdybbjbfu&

#ll, Akfqrmuhfu tlmm fku elqamkqb Nybeelb Jha Lfnkyjhulkf- bsabwu uk luq

bjwmk|bbq tck fbbe uk `fkt qrac Nybeelb Jha Lfnkyjhulkf uk wbynkyj

Akfqrmuhfu$q kimldhulkfq uk Nybeelb Jha rfeby uclq Hdybbjbfu hfe tck hyb

mbdhmm| kimldhube uk jhlfuhlf ucb akfnlebfulhmlu| kn Nybeelb Jha Lfnkyjhulkf hfe

uk rqb Nybeelb Jha Lfnkyjhulkf kfm| hq wbyjluube i| uclq qbaulkf&

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#lll, Akfqrmuhfu tlmm bsbyalqb hu mbhqu ucb qhjb ebdybb kn ahyb uk wybqby~b ucb

akfnlebfulhmlu| kn Nybeelb Jha Lfnkyjhulkf uchu Akfqrmuhfu bsbyalqbq uk wykubau

luq ktf akfnlebfulhm lfnkyjhulkf kn h qljlmhy mb~bm kn qbfqlul~lu|- iru lf fk b~bfu

mbqq uchf h ybhqkfhimb quhfehye kn ahyb&

#l~, Akfqrmuhfu tlmm fku akw| hf| Nybeelb Jha Lfnkyjhulkf- bsabwu uk ucb bsubfu

fbabqqhy| uk wbynkyj Akfqrmuhfu$q kimldhulkfq uk Nybeelb Jha rfeby uclqHdybbjbfu& Akfqrmuhfu tlmm ybuhlf hmm akfnlebfulhmlu| jhy`lfdq kf hf| Nybeelb

Jha Lfnkyjhulkf hfe tlmm wykjlfbfum| jhy` )Akfnlebfulhm) kf hmm akwlbq hfe

kucby jhubylhmq lu wykerabq uchu lfamreb Nybeelb Jha Lfnkyjhulkf& Akfqrmuhfu

tlmm jhlfuhlf hfe wyk~leb uk Nybeelb Jha rwkf ybxrbqu hf haaryhub mkd kn bhac

akw| jheb kn Nybeelb Jha Lfnkyjhulkf hfe kn ucb lfel~lerhmq uk tckj bhac

qrac akw| lq elquylirube&

a, Ybxrlybe Elqamkqryb& Lf ucb b~bfu Akfqrmuhfu hfulalwhubq uchu lu jh| ib ybxrlybe

nky hf| ybhqkf uk ybmbhqb ky elqamkqb Nybeelb Jha Lfnkyjhulkf kruqleb luq

kydhflzhulkf- Akfqrmuhfu tlmm wykjwum| fkuln| Nybeelb Jha hfe tlmm uh`b qrac

haulkfq hq jh| ib fbabqqhy| ky ybhqkfhim| ybxrbqube i| Nybeelb Jha uk wyk~leb

Nybeelb Jha tluc h jbhflfdnrm kwwkyurflu| uk qbb` h wykubaul~b kyeby ky

kucbytlqb ybqwkfe lf qrac jhffby hq Nybeelb Jha ebbjq hwwykwylhub&

e, Yburyf kn Nybeelb Jha Lfnkyjhulkf& Akfqrmuhfu tlmm yburyf hmm Nybeelb Jha

Lfnkyjhulkf #lfamrelfd- tluckru mljluhulkf- chye akwlbq hfe tkye wykabqqlfd hfe

kucby akjwruby nlmbq uchu akfuhlf Nybeelb Jha Lfnkyjhulkf, uk Nybeelb Jha

wykjwum| rwkf ucb bhymlbqu uk kaary kn? #l, tyluubf ebjhfe i| Nybeelb Jha0 #ll,

ubyjlfhulkf kn uclq Hdybbjbfu0 ky #lll, akjwmbulkf kn hmm Qby~labq hfe ebml~by| kn

hmm Ebml~byhimbq&

b, Bsabwulkfq& Akfqrmuhfu$q kimldhulkfq rfeby uclq qbaulkf ek fku bsubfe uk Nybeelb

Jha Lfnkyjhulkf uk ucb bsubfu qrac lfnkyjhulkf? #l, lq wrimlam| `fktf hu ucb uljb

lf xrbqulkf tluckru h iybhac kn uclq qbaulkf 20 #ll, lq wyk~lebe uk Akfqrmuhfu kf h

fkfakfnlebfulhm ihqlq i| h uclye whyu| uchu lq fku luqbmn rfeby hf| akfnlebfulhmlu|

kimldhulkf tluc ybqwbau uk ucb lfnkyjhulkf0 ky #lll, lq lfebwbfebfum| eb~bmkwbe i|

Akfqrmuhfu tluckru rqb kn ky ybnbybfab uk Nybeelb Jha Lfnkyjhulkf& Cktb~by-

fkutlucquhfelfd ucb nhau uchu h wkyulkf kn Nybeelb Jha Lfnkyjhulkf lq ky ibakjbq

fkfakfnlebfulhm- Akfqrmuhfu$q kimldhulkfq rfeby uclq qbaulkf tlmm akfulfrb uk hwwm|

uk hmm kucby Nybeelb Jha Lfnkyjhulkf& Uclq qbaulkf tlmm fku wyb~bfu Akfqrmuhfu

nykj elqamkqlfd Nybeelb Jha Lfnkyjhulkf uk ucb bsubfu ybxrlybe i| h dk~byfjbfu

hdbfa| ky akryu kn akjwbubfu orylqelaulkf- wyk~lebe uchu Akfqrmuhfu akjwmlbq tluc

ucb ybxrlybjbfuq kn qriqbaulkf #a,&

8 , Ybqlerhmq& Uclq qbaulkf lq fku lfubfebe uk wyb~bfu blucby whyu| nykj rqlfd dbfbyhm

`fkt*ckt- q`lmm hfe bswbylbfab wkqqbqqbe i| qrac whyu| wylky uk ky eb~bmkwbe i|

qrac whyu| lf akffbaulkf tluc uclq Hdybbjbfu&

d, Qrddbqulkfq& Tclmb wyk~lelfd Qby~labq hfe Ebml~byhimbq- Akfqrmuhfu jh| jh`b

akjjbfuq hfe qrddbqulkfq uchu hyb kruqleb ucb qakwb kn Qby~labq #)Qrddbqulkfq),&

Hmm Qrddbqulkfq hyb wyk~lebe kf h wrybm| ~kmrfuhy| ihqlq hfe- lf ucb hiqbfab kn h

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qbwhyhub hdybbjbfu bsbarube i| ikuc whyulbq- tlmm fku aybhub hf| kimldhulkf kf ucb

whyu kn Nybeelb Jha& Nybeelb Jha tlmm ch~b ucb yldcu uk rqb Qrddbqulkfq lf qrac

jhffby hq lu bmbauq lf luq qkmb elqaybulkf- tluckru kimldhulkf kn hf| `lfe uk

Akfqrmuhfu&

>& Akfqrmuhfu lq Ybwybqbfuhulkfq hfe Thyyhfulbq

h, Akfqrmuhfu jh`bq ucb nkmmktlfd ybwybqbfuhulkfq hfe thyyhfulbq?

#l, Akfqrmuhfu tlmm wyk~leb Qby~labq hfe Ebml~byhimbq lf h cldcm| wyknbqqlkfhm hfe

tkymhfhfml b jhffby&

#ll, Qby~labq hfe Ebml~byhimbq tlmm akjwm| tluc hmm hwwmlahimb mbdhm ybxrlybjbfuq-

lfamrelfd- tluckru mljluhulkf- ucb Dyhjj*Mbhac*Imlmb| Hau hfe kucby hwwmlahimb

wyl~ha| mhtq hfe ybdrmhulkfq&

#lll, Akfqrmuhfu chq ucb yldcu uk wyk~leb uk Nybeelb Jha ucb yldcuq ebqaylibe lf

Qbaulkf 4- hfe qhle yldcuq hyb fku hfe tlmm fku ib qriobau uk hf| wylky hdybbjbfu-

mlbfq ky kucby yldcuq uchu jh| lfubynbyb tluc ky ljwhly ucb yldcuq kn Nybeelb Jha&

#l~, Ucb Ebml~byhimbq #lfamrelfd eyhnuq ucbybkn wyk~lebe uk Nybeelb Jha wryqrhfu

uk Qbaulkf 5i° tlmm fku ~lkmhub ky lfnylfdb kf hf| whubfu- uyhebjhy`- qby~lab jhy`-

uyheb qbaybu- akw|yldcu- yldcu kn wyl~ha|- yldcu kn wrimlalu| ky kucby wykwylbuhy|

yldcu kn hf| uclye whyu| ky akfuhlf mlibmkrq jhuuby- hfe Nybeelb Jha$q wykwkqbe

rqb kn ucb Ebml~byhimbq #lfamrelfd eyhnuq ucbybkn wyk~lebe uk Nybeelb Jha

wryqrhfu uk Qbaulkf 5i° tlmm fku ~lkmhub hf| qrac yldcuq ky hf| hwwmlahimb mht ky

ybdrmhulkf&

#~, Akfqrmuhfu tlmm ucykrdckru ucb Ubyj jhlfuhlf hfe akjwm| tluc ucb ubyjq kn

hmm mlabfqbq fbabqqhy| uk wyk~leb Qby~labq hfe Ebml~byhimbq&

#~l, Ebml~byhimbq bmbauykflahmm| qrwwmlbe i| Akfqrmuhfu tlmm ib nybb kn hf|

wykdyhj- lfnkyjhulkf- akeb ky akjjhfe uchu?

#8, Tkrme ib ml`bm| uk ahrqb ucb qknuthyb- ehuh ky nlmbq ky ucb

Nybeelb Jha Q|qubjq uk jhmnrfaulkf ky qbmn*ebquyrau&

#9, Lq ml`bm| uk ahrqb ehjhdb uk ucb qknuthyb- ehuh- ky nlmbq ky ucb

Nybeelb Jha Q|qubjq- lfamrelfd- tluckru mljluhulkf- akjwruby

)~lyrqbq-) )uljb ikjiq) ky )tkyjq-)

#1, Lq ml`bm| uk bfhimb rfhruckylzbe haabqq uk ucb qknuthyb- ehuh ky

nlmbq ky ucb Nybeelb Jha Q|qubjq- lfamrelfd- tluckru mljluhulkf-

akjwruby )uyhw ekkyq&)

#5, Lq ebqldfbe uk hmmkt Akfqrmuhfu uk elqhimb ky kucbytlqb wyb~bfu

Nybeelb Jha$q akfulfrbe rqb kn ucb qknuthyb- ehuh ky nlmbq&

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Akfqrmuhfu tlmm wykjwum| fkuln| Nybeelb Jha ln Akfqrmuhfu$q q|qubjq hyb

hnnbaube i| hf| qrac wykdyhj- lfnkyjhulkf- akeb ky akjjhfe ky ln hf|

qrac wykdyhj- lfnkyjhulkf- akeb ky akjjhfe chq ibbf uyhfqjluube uk ucb

Nybeelb Jha Q|qubjq- hfe lf hf| qrac ahqb tlmm wyk~leb Nybeelb Jha tluc

Akfqrmuhfu$q hqqbqqjbfu kn ucb wkubfulhm nky ehjhdb uk ucb Nybeelb Jha

Q|qubjq hfe tlmm akkwbyhub tluc Nybeelb Jha hfe uh`b qrac ybjbelhm

haulkfq hq Nybeelb Jha jh| ybxrbqu&

i, Wktby hfe Hruckylu|& Bhac whyu| ybwybqbfuq uchu lu chq hmm fbabqqhy| wktby hfe

hruckylu| uk bfuby lfuk hfe wbynkyj luq kimldhulkfq rfeby uclq Hdybbjbfu& Bhac

lfel~lerhm bsbarulfd uclq Hdybbjbfu kf ibchmn kn bhac whyu| ybwybqbfuq uchu cb ky

qcb chq ucb hruckylu| uk ek qk&

4& Lfubmmbaurhm Wykwbyu| Yldcuq

h, Ebml~byhimbq& Rfmbqq kucbytlqb lfquyraube lf tylulfd i| Nybeelb Jha- hmm

Ebml~byhimbq- lfamrelfd eyhnuq ucbybkn- tlmm ibmkfd bsamrql~bm| uk Nybeelb Jha-

hfe- uk ucb nrmmbqu bsubfu wbyjlqqlimb rfeby hwwmlahimb mht- tlmm ib ebbjbe h

)tky` nky clyb&) Akfqrmuhfu cbybi| hqqldfq uk Nybeelb Jha hmm kn Akfqrmuhfu$q

yldcu- ulumb hfe lfubybqu lf hfe uk hmm Ebml~byhimbq hfe hf| lfubmmbaurhm wykwbyu|

yldcuq ybmhube ucbybuk- lfamrelfd- tluckru mljluhulkf- hf| )jkyhm yldcuq) ybmhube

ucbybuk& Nybeelb Jha tlmm ch~b ucb yldcu uk kiuhlf- nybb nykj hf| amhlj ky

ybubfulkf kn yldcuq kf Akfqrmuhfu$q whyu- hfe uk ckme lf Nybeelb Jha$q fhjb- hf|

akw|yldcuq- uyhebjhy ybdlquyhulkfq- whubfuq ky tchub~by wykubaulkf Nybeelb Jha

jh| ebbj hwwykwylhub nky qrac Ebml~byhimbq& Akfqrmuhfu tlmm wyk~leb Nybeelb

Jha hmm hqqlquhfab ybhqkfhim| ybxrbqube i| Nybeelb Jha uk wbynbau ucb yldcuq

ebqaylibe lf uclq qriqbaulkf h,- lfamrelfd- tluckru mljluhulkf- bsbarulfd hmm

hqqldfjbfuq- mlabfqbq hfe kucby whwbyq fbabqqhy| ky hwwykwylhub uk ~bqu ucb bfulyb

yldcu- ulumb hfe lfubybqu lf qrac Ebml~byhimbq lf Nybeelb Jha hfe luq qraabqqkyq hfe

hqqldfq ky uk bfhimb Nybeelb Jha uk kiuhlf qrac wykubaulkf nky Nybeelb Jha$q

lfubybqu lf qrac Ebml~byhimbq hq Nybeelb Jha ebbjq he~lqhimb&

i, Akfqrmuhfu Jhubylhmq& Ucb whyulbq ha`fktmbedb uchu- erylfd ucb akryqb kn

wyk~lelfd Qby~labq hfe Ebml~byhimbq- Akfqrmuhfu jh| rulmlzb luq ktf wyb*bslqulfd

wykwylbuhy| jbuckekmkdlbq- jhubylhmq- qknuthyb hfe ukkmq #)Akfqrmuhfu Jhubylhmq),&

Uk xrhmln| hq Akfqrmuhfu Jhubylhmq- hf lubj jrqu qwbalnlahmm| ib lebfulnlbe lf

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Jha Wykobau Bsbarul~b& Fkuclfd lf uclq Hdybbjbfu tlmm ~bqu lf Nybeelb Jha hf|

ktfbyqclw lfubybqu lf Akfqrmuhfu Jhubylhmq ky #bsabwu uk ucb bsubfu bswybqqm|

wyk~lebe lf uclq Hdybbjbfu, lf hf| akw|yldcu- whubfu- uyhebjhy`- uyheb qbaybu ky

kucby wykwylbuhy| yldcuq- ln hf|- uchu bslqu lf Akfqrmuhfu Jhubylhmq& Lu lqrfebyqukke- cktb~by- uchu Akfqrmuhfu Jhubylhmq ek fku lfamreb hf| Eb8l~byhimbq

ky eyhnu Ebml~byhimbq- hmm kn tclac tlmm ib Nybeelb Jha$q bsamrql~b wykwbyu|& Uk

ucb bsubfu Akfqrmuhfu Jhubylhmq hyb bjibeebe lf hf| Ebml~byhimb- Akfqrmuhfu

cbybi| dyhfuq uk Nybeelb Jha h fkfbsamrql~b- wbyjhfbfu- lyyb~kahimb- yk|hmu|*nybb

tkymetleb mlabfqb uk Nybeelb Jha uk rqb qrac Akfqrmuhfu Jhubylhmq lf akffbaulkf

tluc qrac Ebml~byhimbq hfe nky qrac kucby wrywkqbq hq Nybeelb Jha bmbauq

#lfamrelfd- tluckru mljluhulkf- ucb yldcu uk akw|- jkeln|- elqwmh|- wbynkyj-

elqamkqb- aybhub ebyl~hul~b tky`q nykj hfe qrimlabfqb #hq whyu kn h Nybeelb Jha

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wykerau ky qby~lab, qrac Akfqrmuhfu Jhubylhmq- hq hwwykwylhub lf akffbaulkf tluc

qrac Nybeelb Jha rqb,&

a, Fk Uyhfqnby kn Yldcuq& Fkuclfd lf uclq Hdybbjbfu tlmm dyhfu uk Akfqrmuhfu hf|

yldcuq lf ky uk Nybeelb Jha Lfnkyjhulkf- lfamrelfd- tluckru mljluhulkf- hf| whubfu-

akw|yldcu- uyheb qbaybu ky kucby lfubmmbaurhm wykwbyu| yldcuq ybmhube ucbybuk&

3& Lfebjflnlahulkf hfe Lfqryhfab

h, Lfebjflulbq

#l, Akfqrmuhfu tlmm lfebjfln| hfe ckme chyjmbqq Nybeelb Jha hfe luq elybaukyq-

knnlabyq- qchybckmebyq- bjwmk|bbq hfe hdbfuq #akmmbaul~bm| ucb )Lfebjflnlbe

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nbbq- hylqlfd kru kn hf| haulkf ky amhlj iykrdcu hdhlfqu hf| kn ucb Lfebjflnlbe

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qriakfuyhaukyq ky ucbly ybqwbaul~b knnlabyq- hdbfuq ky bjwmk|bbq ky hf| amhljbe

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#ll, Lf ucb b~bfu uchu hf| Ebml~byhimb lq hmmbdbe uk lfnylfdb h uclye whyu|$q

akw|yldcu- whubfu- uyhebjhy`- uyheb qbaybu ky kucby wykwylbuhy| yldcuq- ucbf lf

heelulkf uk luq lfebjflnlahulkf kimldhulkfq rfeby Qbaulkf 3#h,#l,- Akfqrmuhfu tlmm

wykjwum| blucby?

#H, Wykaryb nky Nybeelb Jha ucb yldcu uk akfulfrb rqlfd ucb Ebml~byhimb0

ky

#I, Wyk~leb Nybeelb Jha tluc h nrfaulkfhmm| bxrl~hmbfu- fkf*lfnylfdlfd

ybwmhabjbfu nky ucb Ebml~byhimb- ukdbucby tluc qrac hqqlquhfab hq Nybeelb

Jha jh| ybhqkfhim| ybxrbqu uk hqqlqu lu lf uyhfqlulkflfd uk ucb Ebml~byhimb-

hfe ybljiryqb Nybeelb Jha nky ucb akquq lu ybhqkfhim| lfaryq lf

uyhfqlulkflfd uk ucb ybwmhabjbfu&

i, Lfebjflnlahulkf Wykaberyb& Ucb nkmmktlfd wyk~lqlkfq hwwm| uk ucb

lfebjflnlahulkf kimldhulkfq ebqaylibe lf qriqbaulkf #h,?

#l, Nybeelb Jha tlmm fkuln| Akfqrmuhfu wykjwum| lf ucb b~bfu lu ybabl~bq tyluubf

fkulab kn h amhlj uchu Nybeelb Jha ibmlb~bq lq h Ak~bybe Amhlj #wyk~lebe-

cktb~by- uchu h nhlmryb uk qk fkuln| tlmm kfm| ybmlb~b Akfqrmuhfu kn luq kimldhulkfqebqaylibe lf qriqbaulkf #h, uk ucb bsubfu Akfqrmuhfu ahf qckt uchu lu chq ibbf

wyborelabe ucbybi|,&

#ll, Akfqrmuhfu tlmm ch~b ucb qkmb akfuykm knucb ebnbfqb kn h Ak~bybe Amhlj hfe

hmm fbdkulhulkfq nky luq qbuumbjbfu ky akjwykjlqb #wyk~lebe uchu Akfqrmuhfu jrqu

kiuhlf Nybeelb Jha$q wylky tyluubf akfqbfu- tclac tlmm fku ib rfybhqkfhim|

tluccbme- uk hf| qbuumbjbfu ky akjwykjlqb uchu lf~km~bq hf|uclfd kucby uchf ucb

wh|jbfu kn jkfb| i| Akfqrmuhfu,- rfmbqq Akfqrmuhfu nhlmq wykjwum| uk hqqrjb ucb

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ibutbbf Akfqrmuhfu hfe Nybeelb Jha ybmhube uk ucb Ak~bybe Amhlj- lf tclac

b~bfu Nybeelb Jha jh| bmbau uk hqqrjb ucb ebnbfqb hu Akfqrmuhfu$q akqu hfe

bswbfqb& Nybeelb Jha jh|- hu luq ktf akqu hfe bswbfqb- whyulalwhub akfaryybfum|

tluc Akfqrmuhfu lf ucb ebnbfqb kn h Ak~bybe Amhlj- tcbucby ky fku hf| qrac

nhlmryb uk ebnbfe- akfnmlau ky wkubfulhm akfnmlau bslquq&

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Amhlj&

a, Akfqrmuhfu tlmm ahyy|- hu luq bswbfqb- akjwmbub hfe akjwybcbfql~b lfqryhfab lf

ucb jlfljrj hjkrfuq hfe u|wbq qbu nkyuc ibmkt?

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%8-777-777 bhac kaaryybfab hfe %9-777-777 hffrhm hddybdhub& Ucb wkmla|

tlmm- hu h jlfljrj- lfqryb Akfqrmuhfu hdhlfqu mlhilmlu| hylqlfd kru kn ky

nykj ikelm| lfory|- wbyqkfhm lfory|- wykwbyu| ehjhdb- he~byulqlfd lfory|-

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lfamreb uckqb ak~byhdbq arqukjhylm| nkrfe lf h iykhe nkyj dbfbyhm

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#ll, Wyknbqqlkfhm mlhilmlu| Lfqryhfab ak~bylfd Qby~labq lf ucb jlfljrj hjkrfu

kn %8-777-777 bhac amhlj hfe hffrhm hddybdhub&

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kn ky ybmhube uk uclq Hdybbjbfu- #i, hu Nybeelb Jha$q kwulkf- lfamreb eberaulimbq fku lf

bsabqq kn hjkrfuq hwwyk~be i| Nybeelb Jha0 #a, ib ahyylbe tluc akjwhflbq yhube H ky

ibuuby i| H&J& Ibqu0 #e, fhjb Nybeelb Jha hq hf heelulkfhm lfqrybe- bsabwu uchu Nybeelb

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#17, eh|q wylky uk ahfabmmhulkf0 hfe #n, ib jhlfuhlfbe nky ucb bfulyb Ubyj hfe h wbylke kn

kfb #8, |bhy hnuby ucb bswlyhulkf ky ubyjlfhulkf kn ucb Ubyj& Akfqrmuhfu tlmm wyk~leb uk

Nybeelb Jha abyulnlahubq b~lebfalfd ucb ak~byhdbq ybxrlybe cbybrfeby #hfe- ln ybxrbqube-

abyulnlbe akwlbq kn ucb wkmlalbq, akfaryybfum| tluc ucb bsbarulkf kn uclq Hdybbjbfu hfe

ucbybhnuby wbylkelahmm| rwkf ybxrbqu i| Nybeelb Jha& Ucb lfqryhfab ybxrlybjbfuq qbu

nkyuc lf uclq Hdybbjbfu tlmm lf fk th| ib ebbjbe uk mljlu Akfqrmuhfu$q mlhilmlu| rfeby ky

ybmhube uk ucb Qby~labq ky uclq Hdybbjbfu&

<& Akfnmlau Kn Lfubybqu

h, Akfnmlauq kn Lfubybqu& Nybeelb Jha bswbauq luq ybuhlfbe akfqrmuhfu uk ib nybb kn

akfnmlaulfd lfubybquq hfe kn ucb hwwbhyhfab kn akfnmlau lf luq ybwybqbfuhulkf& Wylky

uk wyk~lelfd hf| qby~labq cbybrfeby- Akfqrmuhfu tlmm yb~lbt ucb wykobau hfe luq

ybakyeq hfe ebubyjlfb uchu fk akfnmlau ky wkubfulhm akfnmlau bslquq uchu tkrme

wyb~bfu Akfqrmuhfu nykj nrmm| ybwybqbfulfd Nybeelb Jha lf akffbaulkf tluc ucb

qwbalnla jhuuby lf xrbqulkf ky hf| ybmhube jhuuby uchu lq ml`bm| uk ky jh|

nkybqbbhim| hylqb kru kn ucb jhuuby lf xrbqulkf& Ln hu hf| uljb erylfd ucb akryqb kn

Akfqrmuhfu$q wyk~lqlkf kn ucb Qby~labq lu ibakjbq hthyb kn h wkubfulhm akfnmlau ky

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alyarjquhfabq tclac jh| mbhe uk h akfnmlau- Akfqrmuhfu tlmm ljjbelhubm| iylfd ucb

lqqrb uchu uk ucb huubfulkf kn ucb Nybeelb Jha Wykobau Bsbarul~b& Kfab h akfnmlau

ky wkubfulhm akfnmlau lq lebfulnlbe- Akfqrmuhfu qchmm fku ib bfulumbe uk ybuhlf ky

ybabl~b hf| nryucby nbbq lf ucb hiqbfab kn h tyluubf thl~by nykj ucb Nybeelb Jha

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