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i o ' irfionr:rufin rj:viiril n.fi. bdbori0.i n1:o'rLuu{'')unqrla0!vl5Ylt

uiau uradrrnotlndtno

^l j, - .adlfr aurriru 6. tlulv]1{n'tlfiltuulluna!00l.lvl:Ylutl^l0n15t'latl

to. rirurundlnlru runr:riruiulrun{loolvrivrtir- 'A

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t t?-0 hdd 6 f i 1 a1 n a 1 { o'.i 14ioun5 fl io55! l'l t

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drlrl o qar

riruru o oriu

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) ovrfr olrin r:rqiulnr l nio Ra cl1.rrLfl u1un1:ei1 rfi ufi o n::rLorruuyrofl 16rri

n:rtnr:r[s!ur!r.ttu rJ:v iirtJllr.]:y]I10J fl.fl. tocuo d'lraiount ni'o I lll'tr 6lrolfidrrnoud.r-.4119!U',tn1:O1m0flnuluu?v1{n1te'rrtu.t'tuna!0o}lvl:flutfron'}t A0 uavlrlu'.tulunt:rirruuilon::n

-!01u21J d nQn:5tJ OnU.Jfron::ufr o l:vqlrfi,:rJfr116nr:rfild'nr,nrnr6'tarjrfiuacnfl.En:EfmqlrdaGnrmeram

6l n: I n r: frru l'r { r.Jr u o'1!fiunr: {r:fi' o nrn'[d iyu.j1,:i!fi oi - < frr.r'rrnl rr<uoru L:lu:la=nriror-,d nartir drrn oraro'[rar!. {rrar"oaltar ndlu]ryrru nfl.Emflrrm4udfl6flrmfia,roiiru':u u ur,i': 1av b nu :ruav l6uonrldrd;i.:rrriru u to1#tirrnor.J:varuna'lnll.urutnorriri?!!:vuLorrliu r:ar uavanrufirirndt uavtokiudt:ru6onq'lu1tarrulfio-luinyr:ru nruluiufioo qfiAnluu bdbo

-inon::rvr- re d.r lai!afuauunr:rirrfiurrunudar6o nr:sraro uol,#rirrnoultailrutFlE:Jnll SOrJnuuuevrlfrn:lnr:nterurtuturiruuo a:UHa nr:rilfiu{1u[!as:1unr!i.lahi'oiur-om : ru n r u1u o a-rl o r r,iy ai',r n r : rilfr u fi o n : :l ra i o du

fi on::rfi en vrhurnq'loorvriurirfi onr:^fi srd:vnlurn:5ru sMART saving Group(sSG) tolvitirrnorflrurrerfior:urn-o16onndloolvrindrn'onr:zuaodfiaJnr:rr:vu-unr:o-orrarn.,,nTnruroglu:v6'u , fir^hirrir4n:vlrunr: SSc *avnq,r:lildr6,rfi.r,J;;;;ril;;;;..,,nzuvn::rLnr:na'roolvrintirfionr:arfim:vnir., ts fl toauo rfiodr rnorir rfrufio n::lraSodutolei.a:!aranr:ri*fiu,:.tuLrav:.tu.1.lur.raflr:nrriuoruor!uw:ralrufidwrdr, , i;r.r;;r.r" ,.rf,t6olfrlrral bcuo

,zfion::!yrr <....

u r& d a dt n t h a u n fyui/ a.ti

IO

fi on::rfi < dlrailnr:rirriulrun(loolrivrtirdanr:26n n{utrlrulra o'ruru-' .j, -.-^--.^^^^:^-^.,^-1".^ "' ' r

6r,d nciu i..uacLouoo'ttA.iylA{111d'?A [e firvUonr:Oorl']rJnE'rLOOilvr5"v{tlufronr:zudn i{uionYU'A{114

drmor:r!aruila'l- i "''flan:lrly d a{La;un1:ooudrunr:o-oor'ln{!oolvl;iltitfronlltrao toLraij1tn0

rflrra!rUtniutnmlyrioulunr:r{rriunr:orrLuutur{fin: nr:rit!!rtrltLJfilvuo dor{rrfiufion::l

raSoduudr a 1J o.r a1v16'r rainvnl ! u,av5r u.r1un a nr: rir tfrufio nlir.irtl! tttllJ51u.lrufid{lr6'e u d

lrid'rviov:rl nrEitutdouiurn bdb"J.

n { [: u ul.]1 tvl ov{ 01: tu10'l [1]u n 1 :

t 0 ttao{ n? 00'\u'

(urutffi ?nrP)

(tmrmlnrtnaa*nmdfifiintr"fitrnt

;itin murizu urtrt u6'r raiel

na'rmudr rair nr:riruurtrtu

1Y:. o-oYdrd-bdd,

Iu:at:. o-o,d*d-brdo

IrPlrSuzgu

tttir 6o d.r n r:to o r vrintilari

nr n'r:rlaru'rguru : rfi5uono[1u51nfun{lravtr.Jtl.tfilnuroltd nrulut u<u<.ai

*nitrnd4,, ,r

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**r *r it*t **rrlr *t:rri* *l*t * r*

drrinrinurrluuavolCn:nr:rtuqltu Ioun{llrudlrailnolluqltu ritruruu'tvtt.:J , v tA t -. -.a- ----.:,-d1un1:t-u!fr-0unq!00rl i drfron1tadn ul!01u 11.f. b(loo liuuoltl?u d nnntlui{u

ion::ud o. rJ:vplilrJ!rif,nrtrf,uflnunrilr{rufrdussirucn::lnr:6udarGnnrrnsrn

".r hi'o-.rviolraciirtnotniu n? rrLriol nq'l rrl rral ru rdr ilrrJ:v1l tfiu fin un r i'l- - ) ' rrfrurrnr lodbo ndttrfl1 !.lutolxtlruasnruun::rin15(1rua16fln1:oalqLtiqln0 luLu0,,-,,, -

rl:cnoudrEi nruc n::lnr:nudarBn nr:nar nu?ina! b nu iittllu doo urin:?u doo au [a!- )o o t 'r'fnitrnr:rYorurqrtufri!Fotou.l1l.lnq!0allvlivtu! 0n1l an:ctt!0':l,l?91011]?u Q.:141nau o RLl :1:.1

srb nl] r?x1,rs'riLi agiu au (nar irrfiunr:)* rirlonr:rJ:vqrtfiudnr,nrnt{rrarirdna"ozu"nttrn.,:lutia16ornr:narortlq:hn Inu

, -iLllj.rrul.] d luo{l] ,)

lu o n'lnlrl- :cu'irliui sr-d du2lnrJ bcuo o'ruru,< o'lr,t'in 6nb ufil :?rloe'lu?lJ db RtJ

aorud I:ru:r., 6 nrirotd tarrir o.urcrlraqj o.aloar,)lur b nlnnal{ + n'lnl u0

- :vu'irriufi om-od o'ultnl bdbo dlu?u db o".:llio ooci ttvi{ ::lrirurubdb nu

aorufi I:.:u:tJrortu uoiilo5il !11116T fi,Jiu, cr-d fl lnnv?u00ntou{1141.10

- :cvdrlrjui od-oci uav bo-bo gYutrnl bdbo t'1u2u bo o'lur"n bbo ur'il

:ruriruru <tb nu

1:{u:! Isuutauuriu o.'uouuriu

(:ruav16uon{lnhu!'ruel1!rana1:ttuu o,)

iul:araorud oroinr:nJduuutia{n1!nirrt!}iJ'lvall

fi on::1fr u dtairariuaqunlrtiltiu{lu6utiarBnnrrrarob.o o-':rar"n udlhiiirtno tvriurlnruniolto.lgutiar6otnr:naro drlrl olco ur'i't

(rona1:uuu 6,)

u.u drnoo'liunr:lnunr:dnrrfi r rdoriarurgvdarGnnr:otarn lnan:rnr:rYnrurqltu

aftJaquill:!!1ru dlu2u oo,dsno u'lvi (r6o!;u?1nrJ bauo) tJ:cnouei'lu

o) a'rotar:'jrr o'ruru o do ohutu rc nu./,

b) n1doli1!1U(UUa10slfl ',]:u61tl 911:JUUlJrnl!'1 nluuo., -t -(rl) nldni0aaEQunlfulil145u{uua10fl n1:oa'ltl (1r'llJu1!u!! tuanuolrliur'!u

, - ;-l's , Z - vururi uu) 0i20u'I.!iaqvlaqgo Lo Ltu tullnarnl, tn'] L9l0l untltul,

!:c6u1unr:o"otrfi r :snolei'ra

- irn:rvdtryra'nraqudar6nnr:naro

- uurut.lufrln

- r'arrirunrunr:r{nrufi udar6o nr:naro

2

b.m drmoalJnranr:ritiuruuac:.tui11J abi1"{y?"nyl:ru (nru'll " drlorriudlnr:

z!,n1LLiUflnn::!la:na!)

b.d d'lxio51u.:1url a nlsriltlluna n::u ioln1r non::rlulv!u BPM nlulu!0'ou

!n:lnr] bdbo

b.d o-.n4ifluaudrrnoiT !riur'i1liun1:af!aWfl'uur'lun1:fir!!1{!daldotnr:naro

0ul,rfr0tu0'i

u.u dluinalJ:rulilu ahin:!1 rrlu n'lulurfiolt n:'lntr baboI

wlI tT\ lVirylnr?ruM

oghv{riruionrnrur{ m.lg. raio

- oqlura{rirurn:ugionorf, ul 16o

- orfl ur,r{riruln:.: nr:urilafl rgurnrruurnor,r uio

- oglura{rirffi !nlrmior:lunr:firu1r

m.b eir rnorirriunr:o-nrJ:vqlr (10:rIa r ) nun:vlrunr:{nurn{loolnin ri

rionr:ar6n{:yd'llrn:gruloul{raCo{io r.J:cno!d'ru o) uu! :cdur.lanr:do:vdr-rnr:rYruurn{l

oolnindrf,onr:arisr < 6'ru s,te ti':dio b) uu! ': v !!!nl ? n EtR 11lvl1': n1: riun{loolvrinti

rion.r:qr6n < d'ru oor r-rdr-, *) uurlrJ:criun:clrunr:rYruurndloolvrinrirfronr:srdn{:vri'u

!1sr:n1u (ssc) c d11r bc, oil{ir, td'rd'lo1r,d1riairu1fio'oriruarunr:rYruur)o ,., drmoa.Jaranr:rirtiu':t!uac:tti':'rurua1fio-'lviol:ru vl:1! (n'lu'h o dr1nTil

yd'rnr:r,iT riufi on::! taiad!)

d1.d d'{uio:1 unlualanlsn'l:9i1rirfi o n::uiourn fi on::!11,]:c!! Bpla nralu

i6or un:ral bcuo , , .ls,.a d{?rio uacdrmo juriuorrriunr:dlrailou uaunr:r{ruurtalnqloul!fr orua.!

m.u dluioaTJuac:tu':ru antldrtiu':rl nuutu:ret':ru (tanar:uut b) lfin:lrv:runrolut6ouln:.tRrt bdbo

ntiu*l,..u nrucn::ln1:uala:Lrtnn{,ao,l:-trrirConr:Hin iitt?u o,aoo ndl 1 av oto nu

{urj:crtttu dtu?u cn,odo,ooo urvr (arudruvdluaurirraiuutriru)

dTnu o,doo nd! 'l av b'ooo l'r'Ivl (aoo[uui'liowrvrdlu) (rirldaoo)

nrirudrtiunr: dtinlrur{ruurqltudtnoiuddrriunr: dn'rnr:nq'loouvrintjrdonr:atdsr o'ru'lu o,coo n{ri

r!usri61ri1riun1: n'rtiunr:1u1sr:!'la o (!6audu?lnu bdbo) riru':u t iu.,1 I

lilrrnnrvn, tdrfi,<., lid.:rainuuyr?ur unltet'1rih.t{ruto.:n{urtrurLro tn{lfrkiiunr:6'na::rutl:vrrru

i U<uo) rj:rnouriru n{loalvrintirionr:sr6ndrtrn:culunr:r{flurd:co"vurn:9rl SSG ualn{l

fiieranr:t'o:cd'! u rflu:vo'u sr (tanar:uuu c')

3

<.u o"lraioohriruaunr:rirtiu.:rl

<.m o"tuiorirtiunl:di6ir.,l1 0or:lra .)<.< o-.:uio:tutuuavall:rtilrueranr:rirtilfion::lvriounrnfion::l1u:c!u BPM

(uuuhirido4auav;rJnu) hin:l'r r:rlnrulut6ou rrni1n! bdb.,

nrilnhuua o*rnrrrn1t ohllu o,doo nq'rL 1 au oo nl :rlvildu 6,d,ooo n!

lurj:clrru oitulu dbd,ooo lrv (utjnuauao'lraiurir{lurvrri:u)

ritulu odoo n{l 1 av ddo !1Yl (ririouri'riturvrtilr) (rirli'aou)

urJru;'rtiiunr: drrinrwinrurqltud.:ur-n, ). - .i. ' !.)fluffd'rtiiunr: frli1n1tnq}]ooxx5?rut onl5alffo n'ru?u o,doo nq!

:cucr2arritiunr: rirriunr:lulo:lra o (t6ou6'urrn! bdbo) riru:u o iu

fi on::ld c drta3rnrroaudrtrnr:dn*ln{loounilttirConr:l6ni ,,t .. :.. :,-i

a.o lrio"lvionlo16ond,llltaLi'114!''lu IoB lrfr01lfu1nlnt'!0u LlJtl'l!a1nun{u

'' ufiinr:rirriulrunula:lnr:dutdol:,'''ornn:':rtrili1 (fi tillilfio) oq tuYl!1n{loolvrirdlfronr:n6n) druru o n{l llio

b) oqfu u{rjrd'o n rn ruri or.l5. ti d':bli n{l aolvrin drCa nr:nr6 n) r'ri o

'J-t 'o '*) oqluu{rirurn:ug onatfru': (frtli Lllnq'Joolvr5flul onll an) }tla<) oq1ufi fi fi finurn:auIofr tcdod'':n4!1 (lr'! U!Bq!oollfl :rulllon'l5 aov0u

luoruqua) r,rio" d) oqlura{rjruln.:rnr:ufitlf,rgrarnruornol tdo-lhiin(!oo!fliiltitianlrHan)

viou ) a glur,r{irudi nmu a ulo1u n r:o-o d'r n{l r

* :rldrlruro6ao'lyioav b - a n{l (ronar:ulu .) o".ryiofrlditnr:6'na:: il'ruru to n{l

1ifior:rurornriaultrtur,l{rirudinr:drtiulruotuln:in1lo'urdo':!lornlt:v:rtsir3r (dtiililfind!

ao!vrin dLfi an1: 6er )uat riura{r3ruin n rnrur{ 0il5. riou riud'unn u:n

c.u o'rrado ui'.:drm adfi n{l rrlrulru roialnrruria lnr:rir tiunr:

c. * iir r,norirtiunllo'o!:vq!1 o'ruru b i! rdalnrl:vnourira-) )iufruil - n 1: ril tIuta rl0l'l1l uu17l'l'1110'! Ltl:u! n0 0t'l1u'!

, - t)- ur':Foua-nnr: n1:f[1!i]u.:'l1Jnq!04!vllllBtuan'l: a9l

nr!uurvr.iin:!nr:r,rinrurlmurit,tun- niv!? u n 1 :ty! n oufu nr :o'od.: n { l o o! vl iv{ d tf, a n l:t a er

iufiaol - irl:vriuun{laolvrivrtirf,onr:ar6or- n'o rf, annuv n::l n r:n {l oolvr in ri rC onltH a tl

- doritonar:nr:rir tiurrun{loolviintirCo nr:16sr

(.d iilmoaltl'rlulruaratiilr'riovl:runrulu o a"tlorr{vra"lnr:rirtiufion:::lraSoiu

d.d o'.lrrintlu{lulanr:o'rriufi on::!niorLnufi on:: u:vuu BPM n1u1ur6ou

nrlr'ruu bdbod.b n-.ir4ioai!uac5'tti.t'tLlrianllti'ltiuf,on::unuullJ:1un1u (ranar:ult ,) 1fi

n:!r vlrlt.ln1u'hr6au unruu bau.ntiun}uuro o unl:rin1:$avalltnnq'loor]rifltjrConr':arier rirutu bool n(l 1 av oc nu

4

z::?rJYl{AU 6n,odd n!

{u{r!!1{u tiruru otd<,ooo uv (rrirual#rvduf,niuvi.rSourlrvld':l) druru toom n{u 1 av

d,s,oo r1e(dfi!tinioeurr(iru) (rfludrldaau)

l,tu?ur'[uunlt 6']!n{1!?ioMq!i!0'lm0l.t" - ,,J. , - tlfr ufr d'ttiiun1, 14?it n1:nqu0otivitl'{ u Lltonlll.lafl 011J111 loosr nq!

llucnsld'ltiunl: siliunr:1u1o::J1f, b iil!'lu b i1rJ , - t) - t" -ilafin1r'i113]riu !nd!ao11vtittutilonl:flAoiei1tlun'l59l1lluLt2vl'l.llo{n: n'l:11or1/1q!tr.l

- a- ^ - It?iieilont:! 5auacdoxnl:0n9iinqttrl1!uu?vl.l{t0nnl!nl:tlelll./'lqttttl')tx ?u.!Tufriur'ltou : d1ljn 0!u'1lu[aco.:Rn:n1:!{t]t!t1.J

rufftu uuertrrtfituiunr:rirrilulrun{uoolrindrdanr':nrin d:cdrfl v{.6. bdbo

fitn::ld,. r{nurn{uooumintirdanr:nr6n{::nuun:5ru SMART saving Group (SSG)

inqrJ:lali tdorfirLd'nunrrIavriruurnriloouvintjrdonr:al6ol{:vrYl!'lsrl!'lu

?unou/?6n1:

m.o r-rviouaciirrnodufiufior:rurn-o16onnriroouvrintirdonr:nFndfiaranr: :vfiu- l-"' t

nr:,i'n:cfrunr:rYoiuroqlLu:vtY! rn fiu'rlrlrrirqjn:v!?unll ssc rravn{rLtririr dl ion::! l:vq!ti':rJfr l'fi nr:niuvn:unlinriroo:rvividtfi onr:ar6n :vd'l to fl bdbo Ltau

. ,- J- ou'luniirufrnntnruri orJg. vio

- ouluu ftrtn:toiolrotfi ul r'rio

- oplturailriru1n :lnr: uri'ttfl rgr,rrnrrlur nol (nt.no.) via

- oulumirirufi inruniol'tunr:rYsuur

,.b dr rnan'rtiunr:o'nU:vql r (ln:lra, ) mun:vl':unt:rYruur nq'loolrnfil rl

rfionT :26nd:vrYuurn:orulnul{rndolio tJ:vnol6'.lu o) ttttutJ:vlilala'rr:o'o:Yd'lnr:rYruurneil

oolvivrtirdonr:26n a du ru or''lt'r-n b) ltuu : v tiutl52n4'r,u.lv17l1{ nl: riun {loaul:"nJJ - . . f- - -,-y-.-.- ' - ' A

tflon1truan d olu @c( gl?t1n m) LtuJllvtfiun: euunlSr'tlulndrloo11vli urfron15 dfid5vd'!

,r1 n:Ilu ( SSG) < dr u be, nii{lo t O'r'i"lolodU rj r ulv{o'nriT ul'r u n r :rniruur )

m.m drmoalUnanr:o'rtiulru*av:1u.:1ut{a1fii'{r4iovllllJ vl:.lu (nralu t annrri- gi.

va{n1:n'ttuun1nl:!tal0ar.l)

sn.a o'{uio:rulronanr:nr:rir tiuf, on::lvliouufi on::dl:vtltl BPM ttavdltJ

uaci'run1! an1:tirtiullunruutlu:'ru,i'r! (Lona1:Lru! u) hin:lr vl:1un'lulut6o!!n:1nll bd'bo)

nrilnlllturu n vn:,il.tn15[avalrinn{loolvrindrfionr:26m iitutl o,doo nriu 1av ob nu

51tl1i'{au od,ooo flu

o- :cur i;]u?u 6n,odo,ooo 1J'lYl

uti?t a'trilun1: d 11/ n { 1ult oJ 1.,l'ltlltL/ 01ln 0

fiufrn'rtiunr: frrirnr:nq'r:oolvt:t'tuL$on1:rJa0l n1!'1u o,doo na

l!u![2a']ri'r!iiun1: rirrilnr:hln:rla o (L6o!du?1nl bdbo) drurr o iu

- j , - t)

non:iu, d d{ra- n1tn1r u{1unEu001l?l:flulflon1:Han

fluf,ou/?5n'l:

<.r 1#6'rvr"nrlr? undrt rfl1x 1u

oerutu b 6on::l rj:cnolld'lu

n{rildirnr:i'oa:l':1r!:rrl'rtu i ucuo

o. fion::r rJ:vqrL r8rrJf,rifi nl r n cn:::.rni:n{rLoolvfirrjrdanr:ar6n{:vn'u

,rflrnr! SMART Saving Group (SSG) uav

Ie. fi onr:! rJ:vqrLrtuJitFnr:arucn5:!nr:ndtoolvrirdtfi onrririn :vo'r.r u

d.b a-.im-na'n1i1uunr:fionunr:rirtiulrun{rLoolvrivrrjufionr:n6n (nq'ltrlrralru nrldo a..)

<.en 0".:vn"oo"rtiunr:fiflo'uJ oi do d.b (n:lra o)

2

d.d {{vio:?u:x!trav6:tJ5''lu.:.lut'lan1:ri1[i!non:l:.lniolntrfion::lhl31J1J BPM

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n{ttrrJrutttu orrrnrrun.,, dtltu r,doo n(l 1 al oo nu :ruvfidu od,ooo o'lJ

lu :vltru ii'11./?u dle4ooo l.l'lyl

xri?ui-'[Iun1: d1un,i'tuvl91Ju1t1]xu0.iv?fl

nrudrirrfiunr: drirnr:n(loolnixdrfionr:al6n dru':u o,aoo n{l:cucnardrl0unr: o'rriunr:1uln:!1d o ([6oudu?14tl bdbo) druru o iu

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