CA Homeowner comes away with a WIN!

7/23/2019 CA Homeowner comes away with a WIN!

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RDL]BM P]A]BP MLP]XL@] @GRX]

PGR]JBXD MLP]XL@] GC @AILCGXDLA

OXBOGX\ FGJDPGD) ad ldmlvlmuai)

îaldtlcc)

v$

JPH@ HADE RPA) DA]LGDAI

APPG@LA]LGD AP ]XRP]BB CGX ]JBBIILDO]GD ]XRP] PBXLBP 8>>?+15 HADE

GC AKBXL@A) D$A$5 adm Mgbs 1 1>)

ldìuslvb)

Mbcbdmadts$

@asb Dg$ 0611+`v+8>11) îaldtlcc Orbogry Fgjdsgd hrguojt a `gkpialdt aoaldst JPH@

Hade RPA) Datlgdai Assg`latlgd as ]rustbb cgr tjb Biildotgd ]rust Pbrlbs 8>>?+1 *JPH@, adm

Hade gc Akbrlà) D$A$ *HGA,$ HGA jas clibm a kgtlgd tg mlsklss *K]M gr kgtlgd,$

îaldtlcc clibm ad gppgsltlgd gd Cbhruary 1?) 8>18$ JPH@ grloldaiiy calibm tg adswbr tjb

`gkpialdt) hut fgldtiy kgvbm wltj îaldtlcc tg sbt aslmb mbcauit$ ]jb `gurt oradtbm tjat kgtlgd)

adm JPH@ dgw fglds HGAs kgtlgd tg mlsklss wltj dg curtjbr aroukbdt$ Dbltjbr Mbcbdmadt jas

clibm a rbpiy hrlbc$ Cgr tjb rbasgds statbm hbigw) tjb kgtlgd ls MBDLBM$


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L$ HA@EOXGRDM

Ld Mb`bkhbr gc 8>>3) îaldtlcc ghtaldbm a igad crgk Crbkgdt Ldvbstkbdt # Igad

*Crbkgdt, ld grmbr tg pur`jasb prgpbrty igàtbm ld G`badslmb) @ailcgrdla$ @gkpi$ 8=$ ]jb

Mbbm gc ]rust dakbm Kgrtoaob Bib`trgdl` Xbolstratlgd Pystbks *KBXP, as tjb dgkldbb adm

hbdbcl`lary gc tjb Mbbm gc ]rust$ 8=$ ]jb `gkpialdt aiibobs tjat Crbkgdt attbkptbm tg

sbùrltlzb adm sbii Utjb[ igad tg adgtjbr bdtlty gr bdtltlbs tjat wbrb dgtJPH@ Hade gr tjb

Biildotgd ]rust$ 82$ @gdsbqubdtiy) JPH@ ls kbrbiy a tjlrm+party stradobr tg tjb igad

tradsa`tlgd$ 83$ îaldtlcc aiibobs tjat mbspltb jls rbqubsts) HGA *apparbdtiy jls kgrtoaob

sbrvl`br,) jas calibm tg vbrlcy tjb mbht adm akgudt gwbm$1

83$

Ppb`lclàiiy) îaldtlcc aiibobs tjat tjb mgùkbdt purpgrtldo tg asslod tjb Mbbm gc ]rust

crgk KBXP tg JPH@ *@gkpi$ Bx$ A,) matbm Kay 8>:) was craumuibdt) ld part hbàusb tjb

asslodkbdt was bxbùtbm actbr tjb ìgsldo matb gc tjb trust) wjl`j vlgiatbs tjb ^ggildo adm

Pbrvl`ldo Aorbbkbdt *^PA,$8

8:+81>) JPH@ àusbm a mgùkbdt

purpgrtldo tg hb a Puhstltutlgd gc ]rustbb *Puhstltutlgd, tg hb rb`grmbm wltj tjb @gudty gc Pad

Mlbog$ 2?$ ]jb suhstltutlgd purpgrtbm tg suhstltutb Quailty Igad Pbrvl`b @grpgratlgd

1 _jlib îaldtlcc mgbs dgt mlsputb tjat jb gwbs kgdby gd tjb igad) jb mlsputbs tjb akgudt gwbm

adm sbbes tjb @gurts asslstad`b ld mbtbrkldldo wjg tjb jgimbr ld mub `gursb ls gc jls Dgtb adm Mbbm gc

]rust$ 88$8 îaldtlcc amklts jb ls dgt a party tg gr hbdbcl`lary gc tjb ^PA) hut ìalks tjat tjb caliurb tg

sbùrltlzb jls dgtb sjguim prbvbdt JPH@ adm HGA crgk ìalkldo ady ldtbrbst ld tjb kgrtoaob$


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*Quailty, as trustbb) hut îaldtlcc ìalks tjat dg su`j tradscbr bvbr g`ùrrbm$ 2?$ ]jb

`gkpialdt statbs tjat udmbr @ailcgrdla iaw) tjb ibdmbr kust hb tjb party tg appgldt tjb su``bssgr

trustbb) adm JPH@ was dgt tjb ibdmbr$

Ld tjb sukkbr gc 8>>11$ ?11) îaldtlcc sbdt a Quailclbm _rlttbd Xbqubst

ibttbr tg vbrlcy tjb mbht gwbm) hut HGA mlm dgt prgvlmb a suhstadtlvb rbspgdsb$ :0$

îaldtlcc aisg aiibobs tjat Mbcbdmadts javb dgt prgpbriy `rbmltbm paykbdts jb jas kamb

gd tjb kgrtoaob adm javb ld`grrb`tiy àiùiatbm ldtbrbst$ :2$ Jb ìalks tjat Mbcbdmadts edbw

at aii tlkbs tjat îaldtlcc was payldo ld`grrb`t akgudts$ :3$ As a rbsuit gc tjblr a`tlgds)

îaldtlccs `rbmlt jas hbbd makaobm adm jls jgkb jas hbbd kamb udkarebtahib hbàusb tjb tltib

tg îaldtlccs jgkb jas hbbd siadmbrbm Uadm[ ìgumbm$ :85

*8, dboilobd`b5 *0, quasl+`gdtra`t5 *=, vlgiatlgd gc 18 R$P$@$ 83>25 *2, vlgiatlgd gc 12 R$P$@$

13> bt sbq$5 *?, a``gudtldo$

LL$ IBOAI P]ADMAXM ADM MLP@RPPLGD

A kgtlgd tg mlsklss udmbr Cbm$ X$ @lv$ ^$ 18*h,*3, `jaiibdobs tjb iboai succl`lbd`y gc tjb

pibamldos$ Mb Ia @ruz v$ ]grkby) 2:8 C$8m =2) =: *


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Pbb) b$o$) Hrgak v$ Hgoad) 08> C$0m 1>80) 1>8: *>0,$ ]jb Puprbkb @gurt jas jbim

tjat ld grmbr tg survlvb a 18*h,*3, kgtlgd) Uc[a`tuai aiiboatlgds kust hb bdguoj tg ralsb a rlojt tg

rbilbc ahgvb tjb spbùiatlvb ibvbi$ Hbii Ati$ @grp$ v$ ]wgkhiy) 22> R$P$ 2==) 222 *8>>?,$ ]jb

`gurt sjguim oradt 18*h,*3, rbilbc gdiy lc tjb `gkpialdt iaès bltjbr a `godlzahib iboai tjbgry gr

ca`ts succl`lbdt tg suppgrt a `godlzahib iboai tjbgry$ Hailstrbrl v$ â`lclà ^gil`b Mbpt) 1 C$8m

313 *B$M$ @ai$ 8>11,

*aiigwldo 1?8>> ìalk wjbd pialdtlccs aiibobm tjat asslodkbdt was bxbùtbm actbr tjb ìgsldo

matb gc sbùrltlbs pggi) olvldo rlsb tg a piauslhib ldcbrbd`b tjat at ibast sgkb part gc tjb rb`grmbm

asslodkbdt was cahrlàtbm,$ Hut sbb Arkbdl v$ Akbrlàs _jgibsaib Ibdmbr) 8>18 _I


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3>08=8 *@$M$ @ai$ 8>18, *mlsklssldo mbìaratgry rbilbc) quasl+`gdtra`t) R@I) adm a``gudtldo

ìalks hbàusb pialdtlcc iaèUbm[ stadmldo tg `jaiibdob tjb prg`bss hy wjl`j jls kgrtoaob was

*gr was dgt, sbùrltlzbm hbàusb jb ls dgt a party tg tjb ^PA,5 Fudobr v$ Hade gc Akbrlà) D$A$)

8>18 _I 3>0838 at &0 *@$M$@ai$ 8>18,$

Jbrb) tjb `gurt cldms tjat îaldtlcc ls dgt àtbogrlàiiy bxìumbm crgk kaeldo ìalks

hasbm gd aiiboatlgds surrgudmldo tjb igads sbùrltlzatlgd$0

As ld Sgoad) adm udileb Arkbdl)

îaldtlcc jbrb aiibobs hgtj vlgiatlgds gc tjb ^PA adm rbibvadt iaw$ HGA jas dgt succl`lbdtiy

mbkgdstratbm tjat vlgiatlgds gc iaw assg`latbm wltj tjb igads sbùrltlzatlgd àd og ud`jbèbm

hbàusb îaldtlcc ls dgt a party tg tjb ^PA$

Gtjbr àsbs `ltbm hy HGA gd tjls lssub arb lrrbibvadt gr ldappilàhib jbrb$

8$ Puccl`lbd`y gc Aiiboatlgds gc Lkprgpbr Asslodkbdt

HGA aisg aroubs tjat îaldtlcc kaebs dg sjgwldo tjat tjb asslodkbdt was lkprgpbr$ Lt

ìalks tjat ]rbva Kgrbiadm was autjgrlzbm tg asslod tjb Mbbm gc ]rust) adm tjbrb was dg

vlgiatlgd gc tjb statutb) assbrtldo tjat Ud[gwjbrb ld Utjb `gkpialdt[ mgbs Uîaldtlcc[ aiibob ca`ts

sjgwldo tjb Asslodkbdt was mbcb`tlvb) ldvailm) gr sgkbjgw vglmahib$ K]M at =$ Jgwbvbr)

tjb `gkpialdt statbs tjat KBXP jam dg edgwibmob gc tjb asslodkbdt) tjat ]rbva Kgrbiadm was

dbvbr appgldtbm tg asslstadt sb`rbtary hy tjb KBXP hgarm gc mlrb`tgrs) adm tjus tjbrb was dg

autjgrlty tg kaeb tjb asslodkbdt$

_jlib HGA `ltbs dg àsb iaw gd tjls pgldt) îaldtlcc prgvlmbs pbrsuaslvb autjgrlty tg

mbkgdstratb tjat `gurts javb a``bptbm aiiboatlgds su`j as jls$ Ld Eldokad Jgimldos) II@ v$

@ltlKgrtoaob) Ld`$) 8>11 _I 1::0:8< *B$M$ ]bx$ 8>11,) tjb `gurt assbssbm a craum ìalk aoaldst

@ltlKgrtoaob ld wjl`j tjb pialdtlcc aiibobm tjat KBXP appgldtkbdt gc ad asslstadt sb`rbtary

*Hiaèstud) wjg iatbr kamb tjb asslodkbdt, was ldvailm hbàusb lt was dgt apprgvbm hy tjb

0 HGA jas calibm tg appiy lts aroukbdt `gd`brdldo tjb igads sbùrltlzatlgd tg ady gc îaldtlccs

spb`lcl` ìalks) adm tjb `gurt mbìldbs tg pbrcgrk tjls tase$


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hgarm gc mlrb`tgrs$ ]jb `gurt upjbim tjb craum ìalk udmbr tjb > ìalk

hbàusb) as jbrb) tjb pialdtlcc pibambm tjat _biis Carog rb`grmbm a cahrlàtbm asslodkbdt gc tjb

igad hbàusb tjb asslodkbdt was bxbùtbm actbr tjb ìgsldo matb gc tjb kgrtoaob+haèbm sbùrlty

pggi) olvldo rlsb tg a piauslhib ldcbrbd`b gc cahrlàtlgd$ Lm$ at &?$ Jbrb) ld ammltlgd tg

attaèldo ]rbva Kgrbiadms autjgrlty) îaldtlcc jas aiibobm tjat tjb asslodkbdt was kamb actbr

tjb ìgsldo matb gc tjb trust) as rbqulrbm hy Pb`tlgd 8$1 gc tjb ^PA$

H$ ]bdmbr Xbqulrbkbdt

HGA aisg aroubs tjat a pialdtlcc kust tbdmbr tjb bdtlrb udpalm haiad`b gc tjb igad tg

kaldtald ad a`tlgd `jaiibdoldo cgrbìgsurb$ K]M at =$ Jgwbvbr) as HGA sbparatbiy pgldts

gut) îaldtlcc ls dgt ùrrbdtiy ld cgrbìgsurbHGA rbs`ldmbm lts Dgtl`b gc Mbcauit ld Kar`j gc

8>11$ HGA calis tg aèdgwibmob tjls ca`t ld lts aroukbdt) kbrbiy `ltldo àsbs suppgrtldo tjb

bxlstbd`b gc tjb tbdmbr ruib ld a`tlgds cgr wrgdocui cgrbìgsurb$

Bvbd lc tjb ca`t gc cgrbìgsurb wbrb at lssub) HGA jas dgt succl`lbdtiy mbkgdstratbm tjat

tjb tbdmbr ruib sjguim appiy jbrb$ îaldtlcc ls dgt `jaiibdoldo Mbcbdmadts `gkpilad`b wltj tjb

cgrbìgsurb iaw) hut ls ìalkldo tjat mbcbdmadts mlm dgt prgpbriy rb`blvb tjb asslodkbdt gc tjblr

igad$ ]jb tbdmbr rbqulrbkbdt mgbs dgt appiy tg tjls àsb hbàusb îaldtlcc jaiibdobs tjb

hbdbcl`lai ldtbrbst jbim hy UMbcbdmadts[ ld tjb mbbm gc trust) dgt tjb prg`bmurai succl`lbd`y gc tjb

cgrbìgsurb ltsbic$ Sgoad at &:$

@$ Mbìaratgry Xbilbc

HGA sbbes mlsklssai gc tjb mbìaratgry rbilbc ìalk hbàusb tjb lssubs wlii hb rbsgivbm

hy tjb gtjbr ìalks cgr rbilbc$ K]M at 2$ Lt aisg aroubs tjat tjb @ailcgrdla cgrbìgsurb statutb


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mgbs dgt rb`godlzb a fuml`lai a`tlgd tg mbtbrkldb wjbtjbr a party cgrbìgsldo ls autjgrlzbm tg mg

sg$

]jb Dldtj @lrùlt jas bxpialdbm tjat wjlib tjbrb ls dg har tg mbìaratgry rbilbc lc iboai

rbkbmlbs bxlst) a `gurts mls`rbtlgd sjguim ibam lt tg rbcusb tg oradt mbìaratgry rbilbc udibss lt

wguim ìarlcy tjb partlbs ldtbrbsts gr rbilbvb tjb ud`brtaldty olvldo rlsb tg tjb prg`bbmldo$ R$P$

v$ _asjldotgd) ?2< C$8m 1020) 1023+2? *$

Mbcbdmadts kgtlgd tg mlsklss aroubs tjat tjby jam dg muty gc àrb jbrb) hbàusb îaldtlcc

mgbs dgt pibam ca`ts suppgrtldo a cldmldo tjat Mbcbdmadts `gdmu`t bx`bbmbm tjb s`gpb gc lts

`gdvbdtlgdai rgib as a ibdmbr$=

K]M at 3$ îaldtlcc statbs tjat jls rbiatlgdsjlp wltj HGA ls dgt

= HGA aisg mbdlbs tjb bxlstbd`b gc prgxlkatbiy+àusbm makaobs) hut mgbs dgt mlrb`tiy ammrbss tjb

aiibobm makaobs crgk mbrgoatgry `rbmlt rbpgrts adm bx`bsslvb ldtbrbst `jarobs$


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`gdvbdtlgdai hbàusb tjb igad jas hbbd sbùrltlzbm) sg Mbcbdmadts jgim îaldtlccs paykbdts cgr

tjb hbdbclt gc tjb `brtlclàtb jgimbrs$ î$ Gpp$ at 8>$ Curtjbr) îaldtlcc aroubs tjat a ibdmbr tjat

gccbrs a igad kgmlclàtlgd jas ogdb hbygdm lts `gdvbdtlgdai rgib$

]jb ruib tjat a ibdmbr mgbs dgt javb a muty tg a hgrrgwbr ls gdiy a obdbrai ruib) adm

gdiy appilbs tg sltuatlgds wjbrb a ibdmbr piays lts `gdvbdtlgdai rgib$ B$o$) ]ajbdy v$ _biis Carog

Hade) D$A$) 8>1> _I 201>,$ A``bptldo tjb aiiboatlgds gc tjb `gkpialdt as

trub) HGA jas ogdb hbygdm tjb typlài ibdmbrs rgib$ As ld Adsadbiil v$ F^ Kgroad @jasb Hade)

D$A$) 8>11 _I 110==21 at &? *D$M$ @ai$ 8>11,) HGA bstahilsjbm a igad kgmlclàtlgd piad wltj

îaldtlcc) kamb bx`bsslvb ldtbrbst `jarobs adm kamb mbrgoatgry `rbmlt rbpgrts tg `rbmlt hurbaus$

@gkpi$ 1> R$P$ 2== *8>>?,$ _jlib ybt tg hb

prgvbd) îaldtlcc prbsbdts piauslhib aiiboatlgds gc kls`gdmu`t tjat) lc trub) wguim bdtltib jlk tg

rbilbc$

B$ Quasl+@gdtra`t

Hasbm upgd tjb sakb ca`tuai aiiboatlgds) îaldtlcc sbbes tg rb`gvbr gd a quasl+`gdtra`t

àusb gc a`tlgd$ HGA kaldtalds tjat ld @ailcgrdla a quasl+`gdtra`t ìalk ls tjb sakb as a ìalk

cgr udfust bdrl`jkbdt) adm su`j ad a`tlgd mgbs dgt ilb lc ad bxprbss aorbbkbdt ogvbrds tjb

partlbs rlojts$ Curtjbr) HGA aroubs tjat tjb ruib gc tbdmbr appilbs udmbr @ai$ @lv$ @gmb

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>1,$ Jgwbvbr) as îaldtlcc pgldts gut) tjb gkpialdt aiibobs tjat tjbrb ls dg vailm

aorbbkbdt ogvbrdldo tjb tradsa`tlgd hbtwbbd îaldtlcc adm HGA$ ]jus) lc îaldtlcc su``bbms ld

sjgwldo tjat HGA was dgt autjgrlzbm tg `giib`t paykbdt) jb kay hb ahib tg rb`gvbr hasbm gd

quasl+`gdtra`t$ Cgr tjb sakb rbasgd) HGAs 132 ]jb Xbai Bstatb Pbttibkbdt ^rg`bmurbs A`t

]jb `gkpialdt aiibobs tjat îaldtlcc sbdt a Quailclbm _rlttbd Xbqubst *Q_X, tg HGA

ld Kar`j gc 8>11 aseldo cgr ldcgrkatlgd tg vbrlcy tjb vailmlty gc tjb mbht at lssub$ Jgwbvbr)

HGA calibm tg prgvlmb tjb iboaiiy+rbqulrbm ldcgrkatlgd) gdiy prgvlmldo a partlai jlstgry gc tjb

a``gudt$

HGAs kgtlgd tg mlsklss statbs tjat ldstbam gc ldìumldo ldcgrkatlgd ahgut wjy tjb

a``gudt was ld brrgr) tjb Q_X ldìumbs a ilst gc mgùkbdt mbkadms wjl`j appbar tg hb bdtlrbiy

lrrbibvadt tg a vailm Q_X udmbr XBPÂ$ K]M at 11 _I

83>8211 at &0 *B$M$ @ai$ 8>1>,$ Curtjbr) tjb hgrrgwbrs ldqulry kust ldìumb a statbkbdt gc tjb

rbasgds cgr tjb hbilbc gc tjb hgrrgwbr $ $ $ tjat tjb a``gudt ls ld brrgr gr prgvlmb succl`lbdt mbtali

tg tjb sbrvl`br rboarmldo gtjbr ldcgrkatlgd sguojt hy tjb hgrrgwbr$ Lm5 18 R$P$@$ 83>2*b,$

HGA jas dgt aroubm tjat tjb Q_X was udrbiatbm tg sbrvl`ldo gc tjb igad) hut statbs tjat

îaldtlcc mlm dgt prgvlmb a statbkbdt gr suppgrtldo mgùkbdtatlgd gc jls rbasgds cgr hbilbvldo

tjb a``gudt was ld brrgr$ K]M at


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tjb hgrrgwbr) kbrbiy arouldo tjat tjb ilst gc mgùkbdt mbkadms appbar tg hb bdtlrbiy lrrbibvadt

tg a vailm Q_X udmbr XBPÂ$ K]M at 2$ Cgr bxakpib) tjb Q_X rbqubstbm

`giib`tlgd dgtbs `gd`brdldo tjb igad) as wbii as tjb dakb adm `gdta`t ldcgrkatlgd gc tjb bdtlty tg

wjl`j HGA was purpgrtbmiy kaeldo tjb paykbdts rb`blvbm crgk ialdtlcc$ _jlib aii gc tjb

ldcgrkatlgd rbqubstbm hy îaldtlcc kay dgt javb hbbd vailmiy sguojt udmbr tjb statutb) tjb Q_X

prgvlmbm succl`lbdt ldcgrkatlgd `gd`brdldo sbvbrai rbqubsts cgr ldcgrkatlgd tjat sjguim javb

oardbrbm a rbspgdsb hy HGA$ Pbb ]akhurrl v$ Pudtrust Kgrto$) Ld`$) 8>11 _I 3811, *dgtldo tjat Q_X rbqubstldo mgùkbdtatlgd suppgrtldo `giib`tlgd adm

bdcgr`bkbdt bccgrts) ldìumldo mgùkbdts ld suppgrt gc bdcgr`bkbdt gc prgklssgry dgtb adm mbbm

gc trust adm a ilst gc asslodkbdts arouahiy rbqubstUbm[ ldcgrkatlgd as tg jgw tjb sbrvl`br jas

jadmibm Upialdtlccs[ a``gudt,$

_jlib HGA statbs tjat lt prgvlmbm a `gkpibtb rbspgdsb cgiigwldo lts ldltlai ibttbr

`gdclrkldo rb`blpt adm prgklsldo tg prgvlmb a rbspgdsb) lt jas dgt mbtalibm gr prgmu`bm tjb

aiibobm rbspgdsb$

8$ _jbtjbr îaldtlcc Ambquatbiy îbm Makaobs

îaldtlcc kay rb`gvbr cgr a`tuai makaobs succbrbm udmbr 18 R$P$@$ 83>2*c,*1,*a,$ HGA

assbrts tjat îaldtlcc jas calibm tg pibam makaobs ambquatbiy$ Obdbraiiy tjb rbqulrbkbdt cgr

makaobs jas hbbd ldtbrprbtbm ilhbraiiy$ \uiabva v$ Orbbdpgldt Kgrto$ Cudmldo) Ld`$) 8>>< _I

8::>0>


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adm tjb caliurb tg rb`blvb tjat ldcgrkatlgd àusbm jlk tg pay kgrb tjad was db`bssary gd jls

igad adm tg ldùr `gsts ld rbpalrldo jls `rbmlt$

O$ Slgiatlgd gc 12 R$P$@$ 13 *`ltldo 12 R$P$@$ 13>>:$ A``grmldo tg HGA) tjb mbcauit dgtl`b

was dgt rbs`ldmbm udtli 8>11$ HGA mgbs dgt ammrbss tjls lssub ld lts K]M$

HGA aisg aroubs tjat cgrbìgsurb gd a prgpbrty hasbm gd a mbbm gc trust mgbs dgt

`gdstltutb `giib`tlgd gc a mbht wltjld tjb kbadldo gc tjb CM@Â) `ltldo Juisb v$ G`wbd Cbmbrai

Hade) CPH) 1= *M$ Gr$ 8>>8,$ Ld tjat àsb) tjb fumob mb`lmbm tjat

Uc[grbìgsldo gd a trust mbbm ls mlstld`t crgk tjb `giib`tlgd gc tjb ghiloatlgd tg pay kgdby $ $ $ $

âykbdt gc cudms ls dgt tjb ghfb`t gc tjb cgrbìgsurb a`tlgd$ Lm$ Clrst) kady `gurts javb

rbolstbrbm mlsaorbbkbdt wltj tjls mb`lslgd$ Pbb) b$o$) Aihbrs v$ Datlgdstar Kgrto$) II@ 8>11 _I

=02:= *B$M$ _asj$ 8>11, *dgtldo tjat Juisbs rbasgdldo jas hbbd rbfb`tbm hy tjb Cgurtj adm

Clctj `lrùlts adm ilkltbm ld gtjbr `lrùkstad`bs,$

Pb`gdm) as îaldtlcc pgldts gut) jb mgbs dgt aiibob tjat cgrbìgsurb gc tjb prgpbrty

`gdstltutbm tjb vlgiatlgd5 ldstbam) jb hbilbvbs tjb mbkadms gc paykbdt adm tjrbats wbrb udiawcui$

Juisb jbim tjat ady a`tlgds taebd hy Umbcbdmadt[ ld pursult gc tjb a`tuai cgrbìgsurb kay dgt hb


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`jaiibdobm as CM@Â vlgiatlgds) hut pialdtlccs kay kaldtald ady CM@Â ìalks hasbm gd

aiibobm a`tlgds hy Umbcbdmadt[ ld giib`tldo a mbht$ Juisb at 18>=$ Hasbm gd tjls) bvbd lc tjb

`gurt wbrb tg a``bpt Juisbs rbasgdldo) tjb CM@Â ìalk survlvbs$

J$ Slgiatlgd gc @ai$ Hus$ # ^rgc$ @gmb 1?8>>

îaldtlcc aiibobs tjat HGA jas bdoaobm ld udcalr) udiawcui) adm craumuibdt husldbss

pra`tl`bs hy bxbùtldo klsibamldo mgùkbdts) bxbùtldo mgùkbdts wltjgut prgpbr autjgrlty tg

mg sg) adm mbkadmldo paykbdts cgr dgd+bxlstbdt mbht) akgdo gtjbr tjldos$

HGA `gd`bmbs tjat vlgiatlgd gc adgtjbr iaw sbrvbs as a prbmlàtb cgr statldo a àusb gc

a`tlgd udmbr 1?8>>) hut statbs tjat îaldtlcc kust pibam ca`ts tg suppgrt tjb udmbriyldo

statutgry vlgiatlgd$ K]M at 11$ Hbàusb tjb `gurt jas upjbim îaldtlccs gtjbr ìalks) tjb

1?8>> ìalk kust hb upjbim udmbr tjb udiawcui prgdo$ Pbb) b$o$) Sgoad v$ _biis Carog Hade)

D$A$) 8>11 _I 2:83>13 at &3+? *upjgimldo 1?8>> ìalk hbàusb `gurt jam aisg upjbim ìalk

udmbr ]rutj ld Ibdmldo A`t) 12 R$P$@$ 13=1*o,,$

L$ A``gudtldo

îaldtlcc aisg rbqubsts ad a``gudtldo cgr aii paykbdts kamb$ HGA statbs tjat a rbqubst cgr

a``gudtldo kust hb tlbm tg adgtjbr a`tlgdahib ìalk) adm îaldtlcc jas dg vlahib ialks$ HGA

aisg statbs tjat îaldtlcc jas dgt aiibobm jb ls gwbm a haiad`b$

A àusb gc a`tlgd cgr ad a``gudtldo rbqulrbs a sjgwldo tjat a rbiatlgdsjlp bxlsts hbtwbbd

tjb pialdtlcc adm mbcbdmadt tjat rbqulrbs ad a``gudtldo) adm tjat sgkb haiad`b ls mub tjb pialdtlcc

tjat àd gdiy hb as`brtaldbm hy ad a``gudtldo$ ]akhurrl v$ Pudtrust Kgrto$) Ld`$) 8>11 _I

3811, *qugtldo ]bsbiib v$ KÌguojild) 1?0 @ai$App$=tj 123) 1?>>3 v$ _asjldotgd


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Kutuai) Ld`$) 8>1> _I 0?31>,$ _jlib tjb gkpialdt mgbs dgt spb`lclàiiy

tbtjbr tjb rbqubst cgr a``gudtldo tg adgtjbr sldoib àusb gc a`tlgd) lt ls ìbariy hasbm gd tjb

sakb sbt gc `lrùkstad`bs tjat ls tjb hasls cgr kgst gc tjb àusbs gc a`tlgd ld tjls àsbtjb

`giib`tlgd gc kgdby tjat was dgt a`tuaiiy mub tg Mbcbdmadts$

Hbàusb îaldtlcc jas pibambm vlahib ìalks tjat arb rbiatbm tg tjb sakb ca`ts udmbr wjl`j

jb rbqubsts ad a``gudtldo) tjb `gurt mbìldbs tg mlsklss tjb a``gudtldo ìalk at tjls tlkb$

F$ Kgtlgd tg Ptrleb Xbqubst cgr ûdltlvb Makaobs adm Cbbs

Mbcbdmadt jas kamb a kgtlgd tg strleb tjb rbqubst cgr pudltlvb makaobs) arouldo tjb

`gkpialdt ls patbdtiy ldsuccl`lbdt tg suppgrt su`j a ìalk$ Cbm$ X$ @lv$ ^$ 18*c, aiigws a `gurt

tg strleb ad ldsuccl`lbdt mbcbdsb gr ady rbmudmadt) lkkatbrlai) lkpbrtldbdt) gr sàdmaigus

kattbr$

HGA `ltbs tg Hurbbrgdo v$ Rvawas) *@$M$ @ai$ 1


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LLL$ @GD@IRPLGD

Cgr tjb rbasgds statbm ahgvb) tjb kgtlgd tg mlsklss ls MBDLBM$ Mbcbdmadts kgtlgd jas

calibm tg mbkgdstratb tjat îaldtlccs ìalks wbrb lkpiauslhib gr prbìumbm as a kattbr gc iaw$

L] LP PG GXMBXBM$

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PGR]JBXD MLP]XL@] GC @AILCGXDLA

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