MBA Q3 2011 Mortgage Delinquency Rates

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EN@ MCEEK^MF@H ^K@H K]R @ RK # E[H RFA@EFH V AFG@GMK EC^RI@IK BKHFGP[KGMV ^@RK] AC^ E@JC^ FGQK]RC^ I^C[T] P= >400 0042>

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EN@ MCEEK^MF@H ^K@H K]R@RK # E[HRFA@EFHV AFG@GMK

EC^RI@IK BKHFGP[KGMV ^@RK]AC^ E@JC^ FGQK]RC^ I^C[T]

P= >400

042>

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¦ Bkmkenk~ >400 Ec~ri`ik N`gok~} @}}cmf`rfcg' @hh ~filr} ~k}k~qkb'

Mctvfgi c~ crlk~ ~kbf}r~fn{rfcg c rlf} t{nhfm`rfcg ‒ fg ylchk c~ fg t`~r ‒ qfch`rk} [']' mctv~filr h`y

`} ykhh `} `gv `tthfm`nhk EN@ rk~e} c {}k' Gc t`~r c rlf} t{nhfm`rfcg e`v nk ~kt~cb{mkb( }rc~kb fg

` ~kr~fkq`h }v}rke( r~`g}efrrkb c~ ~kbf}r~fn{rkb fg `gv c~e c~ nv `gv ek`g}( khkmr~cgfm( ekml`gfm`h(

tlcrcmctvfgi( ~kmc~bfgi c~ crlk~yf}k( yfrlc{r EN@‖} t~fc~ y~frrkg mcg}kgr'

Bf}mh`fek~

 @hrlc{il rlk EN@ r`ok} i~k`r m`~k fg t~cb{mfgi rlf} `gb `hh ~kh`rkb b`r` t~cb{mr}( rlk EN@ bck}

gcr i{`~`grkk rl`r rlk fgc~e`rfcg f} `mm{~`rk( m{~~kgr c~ }{fr`nhk c~ `gv t`~rfm{h`~ t{~tc}k' Rlk

~kk~kgmkb b`r` `~k t~cqfbkb cg `g ‘`} f}― n`}f}( yfrl gc y`~~`grfk} c `gv ofgb yl`r}ckqk~( kfrlk~

k|t~k}} c~ fethfkb( fgmh{bfgi( n{r gcr hfefrkb rc( `gv y`~~`grfk} c rfrhk c~ `mm{~`mv c~ `gv fethfkb

y`~~`grfk} c ek~ml`gr`nfhfrv c~ argk}} c~ ` t`~rfm{h`~ t{~tc}k' [}k c rlk b`r` f} `r rlk {}k~‖} }chk

~f}o' Fg gc kqkgr yfhh EN@ nk hf`nhk c~ `gv b`e`ik} yl`r}ckqk~ `~f}fgi c{r c c~ ~kh`rkb rc rlk b`r`(fgmh{bfgi( n{r gcr hfefrkb rc bf~kmr( fgbf~kmr( fgmfbkgr`h( }tkmf`h( mcg}kp{kgrf`h c~ t{gfrfqk b`e`ik}(

ylkrlk~ {gbk~ ` mcgr~`mr( rc~r c~ `gv crlk~ rlkc~v c hf`nfhfrv( kqkg f EN@ f} `y`~k c rlk tc}}fnfhfrv c 

}{ml b`e`ik}'

042>

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EN@ MCEEK^MF@H ^K@H K]R@RK # E[HRFA@EFHV AFG@GMK

EC^RI@IK BKHFGP[KGMV ^@RK]AC^ E@JC^ FGQK]RC^ I^C[T]

P= >400

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Mceek~mf`h# E{hrfa`efhv Ec~ri`ik Bkhfgp{kgmfk}

Ecbk}r Ml`gik} fg Mceek~mf`h#E{hrfa`efhv Ec~ri`ik Bkhfgp{kgmv^`rk} B{~fgi Rlf~b P{`~rk~Rlf~b P{`~rk~ >400

B{~fgi rlk rlf~b p{`~rk~( bkhfgp{kgmv ~`rk}bkmhfgkb ac~ mceek~mf`h `gb e{hrfa`efhv

ec~ri`ik} lkhb nv n`go} `gb fg mceek~mf`h

ec~ri`ik n`mokb }km{~frfk} ,MEN]&'Bkhfgp{kgmv ~`rk} fgm~k`}kb ac~ hc`g} lkhb

nv hfak fg}{~`gmk mcet`gfk} `gb lkhb c~fg}{~kb nv A`ggfk E`k `gb A~kbbfk E`m n{r

`~k }rfhh `r hcy hkqkh}( `mmc~bfgi rc rlkEc~ri`ik N`gok~} @}}cmf`rfcg‖} ,EN@&

Mceek~mf`h#E{hrfa`efhv Bkhfgp{kgmv ^ktc~r'

  ‘Rlk~k yk~k ecbk}r ml`gik} fg

mceek~mf`h#e{hrfa`efhv bkhfgp{kgmv ~`rk}b{~fgi rlk rlf~b p{`~rk~(― }`fb J`efk

Yccbykhh( EN@‖} Qfmk T~k}fbkgr ca Mceek~mf`h ^k`h K}r`rk ^k}k`~ml' ‘Rlk

bkhfgp{kgmv ~`rk} ac~ hc`g} lkhb nv hfakfg}{~`gmk mcet`gfk}( A`ggfk E`k `gb

A~kbbfk E`m k`ml rfmokb {t }hfilrhv fg rlkp{`~rk~( n{r ~ke`fgkb `r ~kh`rfqkhv hcy

cqk~`hh hkqkh}? bkhfgp{kgmv ~`rk} ac~ n`go%

lkhb hc`g} mcgrfg{kb rc bkmhfgk a~ce rlkf~mvmhk lfil}? `gb bkhfgp{kgmv ~`rk} ac~ hc`g}

lkhb fg MEN] akhh }hfilrhv `} hc`g} e`bkb{~fgi rlk af~}r l`ha ca rlk vk`~ yk~k `bbkb

rc rlk n`}k'― 

Nkrykkg rlk }kmcgb `gb rlf~b p{`~rk~} ca >400( rlk 64/ b`v bkhfgp{kgmv ~`rk ac~

hc`g} lkhb nv ABFM%fg}{~kb n`go} `gb

rl~far} bkm~k`}kb 4'06 tk~mkgr rc ='9;tk~mkgr' Rlk 14/ b`v bkhfgp{kgmv ~`rk ac~

hc`g} lkhb fg hfak mcet`gv tc~rachfc}fgm~k`}kb 4'49 tk~mkgr`ik tcfgr} rc 4'06

tk~mkgr' Rlk 14/ b`v bkhfgp{kgmv ~`rk ac~

e{hrfa`efhv hc`g} lkhb c~ fg}{~kb nv A`ggfkE`k fgm~k`}kb 4'00 tk~mkgr`ik tcfgr} rc4';9 tk~mkgr' Rlk 14/ b`v bkhfgp{kgmv

~`rk ac~ e{hrfa`efhv hc`g} lkhb c~ fg}{~kb nv

A~kbbfk E`m fgm~k`}kb 4'4> tk~mkgr`iktcfgr} rc 4'== tk~mkgr' Rlk =4/ b`v

bkhfgp{kgmv ~`rk ac~ hc`g} lkhb fgmceek~mf`h ec~ri`ik%n`mokb }km{~frfk}

,MEN]& bkm~k`}kb 4'04 tk~mkgr`ik tcfgr}rc <'6> tk~mkgr'

Rlk rlf~b p{`~rk~ >400 bkhfgp{kgmv ~`rk ac~mceek~mf`h `gb e{hrfa`efhv ec~ri`ik} lkhb

nv n`go} `gb rl~far} y`} >'<= tk~mkgr`iktcfgr} hcyk~ rl`g rlk }k~fk} lfil ,1';<

tk~mkgr( ~k`mlkb fg rlk }kmcgb p{`~rk~ ca 0660&' Rlk bkhfgp{kgmv ~`rk ac~ mceek~mf`h

`gb e{hrfa`efhv ec~ri`ik} lkhb fg hfak

fg}{~`gmk mcet`gv tc~rachfc} y`} 9'=2tk~mkgr`ik tcfgr} hcyk~ rl`g rlk }k~fk} lfil

,9';= tk~mkgr( ~k`mlkb b{~fgi rlk }kmcgbp{`~rk~ ca 066>&? rlk ~`rk ac~ e{hrfa`efhv

hc`g} lkhb nv A`ggfk E`k y`} ='4;tk~mkgr`ik tcfgr} nkhcy rlk }k~fk} lfil

,='1> tk~mkgr( ~k`mlkb b{~fgi rlk ac{~rlp{`~rk~ ca 0660&? `gb rlk ~`rk ac~

e{hrfa`efhv hc`g} lkhb nv A~kbbfk E`m y`}1'2< tk~mkgr`ik tcfgr} hcyk~ rl`g rlk

}k~fk} lfil ,1'<0 tk~mkgr( ~k`mlkb fg rlk

ac{~rl p{`~rk~ ca 066>&' Rlk ~`rk ac~ hc`g}lkhb fg MEN] y`} 4'04 tk~mkgr`ik tcfgr}

nkhcy rlk }k~fk} lfil ,6'4> tk~mkgr(~k`mlkb fg rlk }kmcgb p{`~rk~ ca >400&'

Thk`}k gcrk: Fg E`~ml >400( EN@ ~khk`}kb `

B`r`Gcrk mcqk~fgi rlk tk~ac~e`gmk ca mceek~mf`h `gb e{hrfa`efhv ec~ri`ik} `r

mceek~mf`h n`go} `gb rl~far} cqk~ rlk kgrf~k

vk`~ >404' Rlk B`r`Gcrk ac{gb rl`rmceek~mf`h `gb e{hrfa`efhv ec~ri`ik} l`b

rlk hcyk}r ml`~ik%caa ~`rk} ca `gv e`jc~hc`g rvtk `gb l`b bkhfgp{kgmv ~`rk} hcyk~

rl`g rlk cqk~`hh ncco ca hc`g} `gb hk`}k}

lkhb nv n`go} `gb rl~far}' Rlk B`r`Gcrkm`g nk ac{gb `r:

yyy'ec~ri`ikn`gok~}'c~i#~k}k`~ml

Mcg}r~{mrfcg `gb bkqkhctekgr hc`g} `~k gcrfgmh{bkb fg rlk g{enk~} t~k}kgrkb lk~k( n{r

`~k fgmh{bkb fg e`gv ~ki{h`rc~v bkafgfrfcg}ca “mceek~mf`h ~k`h k}r`rk‖ bk}tfrk rlk a`mr

rl`r rlkv `~k carkg n`mokb nv }fgihk%a`efhv

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~k}fbkgrf`h bkqkhctekgr t~cjkmr} ~`rlk~ rl`g

nv caafmk n{fhbfgi}( `t`~rekgr n{fhbfgi}(

}lcttfgi mkgrk~} c~ crlk~ fgmcek%t~cb{mfgit~ctk~rfk}' Rlk ABFM bkhfgp{kgmv ~`rk} ac~

n`go `gb rl~far lkhb ec~ri`ik} ~ktc~rkblk~k bc fgmh{bk hc`g} n`mokb nv cygk~%

cmm{tfkb mceek~mf`h t~ctk~rfk}'

Rlk EN@ `g`hv}f} hcco} `r

mceek~mf`h#e{hrfa`efhv bkhfgp{kgmv ~`rk}ac~ afqk ca rlk h`~ik}r fgqk}rc~%i~c{t}:

mceek~mf`h n`go} `gb rl~far}( mceek~mf`hec~ri`ik%n`mokb }km{~frfk} ,MEN]&( hfak

fg}{~`gmk mcet`gfk}( A`ggfk E`k `gbA~kbbfk E`m' Rcikrlk~ rlk}k i~c{t} lchb

ec~k rl`g <4 tk~mkgr ca 

mceek~mf`h#e{hrfa`efhv ec~ri`ik bknrc{r}r`gbfgi'

Rlk `g`hv}f} fgmc~tc~`rk} rlk }`ekek`}{~k} {}kb nv k`ml fgbfqfb{`h fgqk}rc~i~c{t rc r~`mo rlk tk~ac~e`gmk ca rlkf~

hc`g}' Nkm`{}k k`ml fgqk}rc~ i~c{t r~`mo}

bkhfgp{kgmfk} fg fr} cyg y`v( bkhfgp{kgmv~`rk} `~k gcr mcet`~`nhk a~ce cgk i~c{t rc

`gcrlk~'

N`}kb cg rlk {gt`fb t~fgmft`h n`h`gmk ca hc`g} ,[TN&( bkhfgp{kgmv ~`rk} ac~ k`ml

i~c{t `r rlk kgb ca rlk rlf~b p{`~rk~ yk~k

`} achhcy}:

•  MEN]: <'6> tk~mkgr ,=4/ b`v}bkhfgp{kgr c~ fg ^KC&?

•  Hfak mcet`gv tc~rachfc}: 4'06tk~mkgr ,14/b`v} bkhfgp{kgr&?

•  A`ggfk E`k: 4';9 tk~mkgr ,14 c~

ec~k b`v} bkhfgp{kgr&•  A~kbbfk E`m: 4'== tk~mkgr ,14 c~

ec~k b`v} bkhfgp{kgr&?•  N`go} `gb rl~far}: ='9; tk~mkgr ,64

c~ ec~k b`v} bkhfgp{kgr c~ fg gcg%`mm~{`h&'

Bfaak~kgmk} nkrykkg rlk bkhfgp{kgmvek`}{~k} `~k bkr`fhkb fg @ttkgbf| @'

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ML@^R 0' MCEEK^MF@H#E[HRFA@EFHV EC^RI@IK BKHFGP[KGMV

^@RK] @ECGI E@JC^ FGQK]RC^ I^C[T]

]khkmrkb bkhfgp{kgmv ~`rk} `r rlk kgb ca rlk tk~fcb

GCRK: Bkhfgp{kgmv ~`rk} }lcyg `~k GCR mcet`~̀ nhk nkrykkg fgqk}rc~ i~c{t}' Rlk}k ~`rk} }lcy

lcy tk~ac~e`gmk ca hc`g} ac~ k`ml fgqk}rc~ i~c{t} l`} q`~fkb cqk~ rfek( n{r m`ggcr nk {}kb rc

mcet`~k cgk fgqk}rc~ i~c{t rc `gcrlk~'

4'4+

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   0   6   6   ;  %  %   P   0

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N`go} ! Rl~far} ,64/ b`v}&

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MEN] ,=4/ b`v} `gb ^KC&

<'4+Hfak Mcet`gfk} ,14/ b`v}&

<'4+ A`ggfk E`k* ,14/ b`v}&

A~kbbfk E`mW ,14/ b`v}&

]c{~mk}: Ykhh} A`~ic ]km{~frfk}( HHM `gb Fgrk| ]ch{rfcg}( Fgm'( @ek~fm`g Mc{gmfh ca Hfak Fg}{~k~}(

A`ggfk E`k( A~kbbfk E`m( CALKC `gb Akbk~`h Bktc}fr Fg}{~`gmk Mc~tc~`rfcg

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   0   6   6   =  %  %   P   0

   0   6   6   2  %  %   P   0

   0   6   6   ;  %  %   P   0

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N`go} ! Rl~far} ,64/ b`v}&

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MEN] ,=4/ b`v} `gb ^KC&

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   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

Hfak Mcet`gfk} ,14/ b`v}&

4'4+

0'4+

>'4+

='4+

2'4+

;'4+

1'4+

9'4+

<'4+

   0   6   6   4  %  %   P

   0

   0   6   6   0  %  %   P

   0

   0   6   6   >  %  %   P

   0

   0   6   6   =  %  %   P

   0

   0   6   6   2  %  %   P

   0

   0   6   6   ;  %  %   P

   0

   0   6   6   1  %  %   P

   0

   0   6   6   9  %  %   P

   0

   0   6   6   <  %  %   P

   0

   0   6   6   6  %  %   P

   0

   >   4   4   4  %  %   P

   0

   >   4   4   0  %  %   P

   0

   >   4   4   >  %  %   P

   0

   >   4   4   =  %  %   P

   0

   >   4   4   2  %  %   P

   0

   >   4   4   ;  %  %   P

   0

   >   4   4   1  %  %   P

   0

   >   4   4   9  %  %   P

   0

   >   4   4   <  %  %   P

   0

   >   4   4   6  %  %   P

   0

   >   4   0   4  %  %   P

   0

   >   4   0   0  %  %   P

   0

A`ggfk E`k* ,14/ b`v}&

A~kbbfk E`mW ,14/ b`v}&

Page 8: MBA Q3 2011 Mortgage Delinquency Rates

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ML@^R >' MCEEK^MF@H#E[HRFA@EFHV EC^RI@IK BKHFGP[KGMV

^@RK] @ECGI E@JC^ FGQK]RC^ I^C[T]( >444 % T^K]KGR

]khkmrkb bkhfgp{kgmv ~`rk} `r rlk kgb ca rlk tk~fcb

GCRK: Bkhfgp{kgmv ~`rk} }lcyg `~k GCR mcet`~̀ nhk nkrykkg fgqk}rc~ i~c{t}' Rlk}k ~`rk} }lcy

lcy tk~ac~e`gmk ca hc`g} ac~ k`ml fgqk}rc~ i~c{t} l`} q`~fkb cqk~ rfek( n{r m`ggcr nk {}kb rc

mcet`~k cgk fgqk}rc~ i~c{t rc `gcrlk~'

4'4+

0'4+

>'4+

='4+

2'4+

;'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

N`go} ! Rl~far} ,64/ b`v}&

4'4+

0'4+

>'4+

='4+

2'4+

;'4+

1'4+

9'4+

<'4+

6'4+

04'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

MEN] ,=4/ b`v} `gb ^KC&

0'4+ 0'4+

]c{~mk}: Ykhh} A`~ic ]km{~frfk}( HHM `gb Fgrk| ]ch{rfcg}( Fgm'( @ek~fm`g Mc{gmfh ca Hfak Fg}{~k~}(

A`ggfk E`k( A~kbbfk E`m( CALKC `gb Akbk~`h Bktc}fr Fg}{~`gmk Mc~tc~`rfcg

4'4+

0'4+

>'4+

='4+

2'4+

;'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

N`go} ! Rl~far} ,64/ b`v}&

4'4+

0'4+

>'4+

='4+

2'4+

;'4+

1'4+

9'4+

<'4+

6'4+

04'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

MEN] ,=4/ b`v} `gb ^KC&

4'4+

4'>+

4'2+

4'1+

4'<+

0'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

Hfak Mcet`gfk},14/ b`v}&

4'4+

4'>+

4'2+

4'1+

4'<+

0'4+

   >   4   4   4  %  %   P   0

   >   4   4   0  %  %   P   0

   >   4   4   >  %  %   P   0

   >   4   4   =  %  %   P   0

   >   4   4   2  %  %   P   0

   >   4   4   ;  %  %   P   0

   >   4   4   1  %  %   P   0

   >   4   4   9  %  %   P   0

   >   4   4   <  %  %   P   0

   >   4   4   6  %  %   P   0

   >   4   0   4  %  %   P   0

   >   4   0   0  %  %   P   0

A`ggfk E`k* ,14/b`v}&

A~kbbfk E`mW ,14/b`v}&

Page 9: MBA Q3 2011 Mortgage Delinquency Rates

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MCEEK^MF@H#E[HRFA@EFHV EC^RI@IK BKHFGP[KGMV ^@RK]

@ECGI E@JC^ FGQK]RC^ I^C[T]

]khkmrkb bkhfgp{kgmv ~`rk} `r rlk kgb ca rlk tk~fcb

MEN]

Hfak

Mcet`gfk} A`ggfk E`k A~kbbfk E`m

N`go} !

Rl~far},=4/ b`v} `gb

^KC& ,14/ b`v}& ,14/ b`v}& ,14/b`v}& ,64/ b`v}&

Vk`~%kgb

0661 %% P2 g'`' 0'96+ 4'1<+ 0'61+ 0'1=+

0669 %% P2 4'=6+ 4'64+ 4'=9+ 4'61+ 0'06+

066< %% P2 4';2+ 4'2<+ 4'>6+ 4'=9+ 4'6=+

0666 %% P2 4';0+ 4'>;+ 4'0>+ 4'02+ 4'90+

>444 %% P2 4'<0+ 4'><+ 4'42+ 4'42+ 4'19+

>440 %% P2 0'>1+ 4'0>+ 4'==+ 4'0;+ 4'64+

>44> %% P2 0'29+ 4'><+ 4'0=+ 4'0=+ 4'<1+

>44= %% P2 0'9>+ 4'0>+ 4'0=+ 4'4;+ 4'9<+

>442 %% P2 0'>6+ 4'4<+ 4'04+ 4'41+ 4'10+

>44; %% P2 4'<2+ 4'4;+ 4'>9+ 4'44+ 4';2+

>441 %% P2 4'20+ 4'4>+ 4'4<+ 4'4;+ 4'14+

>449 %% P2 4'=6+ 4'40+ 4'4<+ 4'4>+ 4'<;+

>44< %% P2 0'09+ 4'49+ 4'=4+ 4'40+ 0'1;+

>446 %% P2 ;'94+ 4'06+ 4'1=+ 4'>4+ ='62+

>404 %% P2 <'16+ 4'06+ 4'90+ 4'>1+ 2'06+

%

GCRK: Bkhfgp{kgmv ~`rk} }lcyg `~k GCR mcet`~̀ nhk nkrykkg fgqk}rc~ i~c{t}' Rlk}k ~`rk}

}lcy lcy tk~ac~e`gmk ca hc`g} ac~ k`ml fgqk}rc~ i~c{t} l`} q`~fkb cqk~ rfek( n{r m`ggcr nk{}kb rc mcet`~k cgk fgqk}rc~ i~c{t rc `gcrlk~'

>44< %% P0 4'2<+ 4'40+ 4'46+ 4'42+ 0'4;+>44< %% P> 4';=+ 4'4=+ 4'00+ 4'42+ 0'>>+

>44< %% P= 4'1=+ 4'41+ 4'01+ 4'40+ 0'=6+

>44< %% P2 0'09+ 4'49+ 4'=4+ 4'40+ 0'1;+

>446 %% P0 0'<1+ 4'0>+ 4'=2+ 4'0>+ >'>6+

>446 %% P> ='64+ 4'0;+ 4';0+ 4'0;+ >'6;+

>446 %% P= 2'49+ 4'>=+ 4'1>+ 4'0;+ ='21+

>446 %% P2 ;'94+ 4'06+ 4'1=+ 4'>4+ ='62+

>404 %% P0 1'<0+ 4'=0+ 4'96+ 4'>>+ 2'>9+

>404 %% P> <'>>+ 4'>6+ 4'<4+ 4'>>+ 2'=2+

>404 %% P= <';>+ 4'>>+ 4'1;+ 4'=0+ 2'24+

>404 %% P2 <'16+ 4'06+ 4'90+ 4'>1+ 2'06+

>400 %% P0 <'<1+ 4'02+ 4'12+ 4'=1+ 2'06+

>400 %% P> 6'4>+ 4'0>+ 4'21+ 4'=0+ ='62+>400 %% P= <'6>+ 4'06+ 4';9+ 4'==+ ='9;+

]c{~mk}: Ykhh} A`~ic ]km{~frfk}( HHM `gb Fgrk| ]ch{rfcg}( Fgm'( @ek~fm`g Mc{gmfh ca Hfak

Fg}{~k~}( A`ggfk E`k( A~kbbfk E`m( CALKC `gb Akbk~`h Bktc}fr Fg}{~`gmk Mc~tc~`rfcg'

Gcrk: Bfaak~kgmk} nkrykkg rlk bkhfgp{kgmv ek`}{~k} `~k bkr`fhkb fg @ttkgbf| @'

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@TTKGBF\ @

]C[^MK] ! EK@][^K] CA

BKHFGP[KGMFK]

Mce e k~ m f` h E c ~ r i`ik % n`mokb  

]km{~ f r fk} , MEN]&]c{~mk: Ykhh} A`~ic ]km{~frfk}( HHM `gb

Fgrk| ]ch{rfcg}( Fgm'

Rlk bkhfgp{kgmv ~`rk ac~ MEN] hc`g} mcqk~}hc`g} =4/ b`v} bkhfgp{kgr( fgmh{bfgi rlc}k

fg ac~kmhc}{~k( `gb ~k`h k}r`rk cygkb ,^KC&'Rlk MEN] ~`rk f} rlk cghv cgk rc fgmh{bk

^KC fg kfrlk~ rlk g{ek~`rc~ c~ rlkbkgcefg`rc~' Rlf} }k~fk} fgmh{bk} `hh

t~fq`rk%h`nkh ,gcg%Ifggfk E`k( A`ggfk E`kc~ A~kbbfk E`m f}}{kb& bk`h} rl`r `~k

m{~~kgrhv c{r}r`gbfgi( fgmh{bfgi ncrl af|kb%

`gb ahc`rfgi%~`rk bk`h}' Fg ~ktc~r} ~khk`}kbt~fc~ rc P= >400( rlf} }k~fk} fgmh{bkb cghv

bk`h} f}}{kb t~fc~ rc >446' Nkifggfgi yfrlrlk P= >400 ~khk`}k `hh bk`h} `~k fgmh{bkb

~ki`~bhk}} ca f}}{k b`rk'

H f ak Mce t`g fk}  

]c{~mk: @ek~fm`g Mc{gmfh ca Hfak Fg}{~k~}

Rlk bkhfgp{kgmv ~`rk ac~ hfak fg}{~`gmk

mcet`gv hc`g} mcqk~} hc`g} 14/ b`v}bkhfgp{kgr( fgmh{bfgi rlc}k fg ac~kmhc}{~k(

`gb bck} gcr fgmh{bk ~k`h k}r`rk cygkb,^KC& fg kfrlk~ rlk g{ek~`rc~ c~ rlk

bkgcefg`rc~'

A`gg fk E`k 

]c{~mk: A`ggfk E`k Ecgrlhv Qch{ek

]{ee`~v `gb Caafmk ca Akbk~`h Lc{}fgi

Kgrk~t~f}k Cqk~}filr @gg{`h ^ktc~r} rcMcgi~k}}

Rlk bkhfgp{kgmv ~`rk ac~ e{hrfa`efhv hc`g}kfrlk~ lkhb fg tc~rachfc c~ }km{~frfzkb `gb

i{`~`grkkb nv rlk mcet`gv mcqk~} hc`g}14/ b`v} bkhfgp{kgr( fgmh{bfgi rlc}k fg

ac~kmhc}{~k( `gb bck} gcr fgmh{bk ~k`h k}r`rkcygkb ,^KC& fg kfrlk~ rlk g{ek~`rc~ c~ rlk

bkgcefg`rc~' Rlk mcet`gv y`} {g`nhk rc

t~cqfbk Bkmkenk~ bkhfgp{kgmv afi{~k} ac~rlk vk`~} >444 rc >442( }c rlk ac{~rl

p{`~rk~ g{enk~} t~k}kgrkb ac~ rlc}k vk`~}`~k Gcqkenk~( ~`rlk~ Bkmkenk~( afi{~k}'

Fg J`g{`~v >400( A`ggfk E`k ~kqf}kb fr}>404 ecgrlhv e{hrfa`efhv bkhfgp{kgmv ~`rk}

ac~ `hh tk~fcb} t~k}kgrkb rc k|mh{bke{hrfa`efhv nc~~cyk~} ylc l`qk kgrk~kb

fgrc ` ac~nk`~`gmk `i~kkekgr `gb `~k`nfbfgi nv rlk rk~e} ca rlk `i~kkekgr( n{r

l`b nkkg t~kqfc{}hv fgmh{bkb fg rlke{hrfa`efhv bkhfgp{kgmv ~`rk} b{k rc `g

k~~c~'

A~kbb fk E`m  ]c{~mk: A~kbbfk E`m Ecgrlhv Qch{ek]{ee`~v `gb Caafmk ca Akbk~`h Lc{}fgi

Kgrk~t~f}k Cqk~}filr @gg{`h ^ktc~r} rcMcgi~k}}

Rlk bkhfgp{kgmv ~`rk ac~ e{hrfa`efhv hc`g}kfrlk~ lkhb fg tc~rachfc c~ }km{~frfzkb `gb

i{`~`grkkb nv rlk mcet`gv mcqk~} hc`g}

14/ b`v} bkhfgp{kgr( fgmh{bfgi rlc}k fgac~kmhc}{~k( `gb bck} gcr fgmh{bk ~k`h k}r`rk

cygkb ,^KC& fg kfrlk~ rlk g{ek~`rc~ c~ rlkbkgcefg`rc~' A~kbbfk E`m gcrk} rl`r rlkf~

bkhfgp{kgmv ~`rk ‘_kU|mh{bk} ec~ri`ik

hc`g} ylc}k c~fifg`h mcgr~`mr{`h rk~e} l`qknkkg ecbfafkb {gbk~ `g `i~kkekgr yfrl rlk

nc~~cyk~ `} hcgi `} rlk nc~~cyk~ mcethfk}yfrl rlk ecbfafkb mcgr~`mr{`h rk~e}'― @} `g

k|`ethk( `ark~ L{~~fm`gk O`r~fg`( A~kbbfkE`m ecbfafkb ` g{enk~ ca hc`g} `aakmrkb nv

rlk }rc~e}' Fg E`v >404( A~kbbfk E`m~kr{~gkb rc ~ktc~rfgi e{hrfa`efhv

bkhfgp{kgmfk} `} rlc}k hc`g} 14/ b`v}

bkhfgp{kgr'

ABF M% fg}{ ~ kb N`go} ! Rl ~ f a r }  

]c{~mk: Akbk~`h Bktc}fr Fg}{~`gmkMc~tc~`rfcgRlk bkhfgp{kgmv ~`rk ac~ ABFM n`go} `gb

rl~far} mcqk~} hc`g} 64/ b`v} bkhfgp{kgr(fgmh{bfgi rlc}k fg ac~kmhc}{~k `gb fg gcg%

`mm~{`h }r`r{}( `gb bck} gcr fgmh{bk ~k`h

k}r`rk cygkb ,^KC& fg kfrlk~ rlk g{ek~`rc~c~ rlk bkgcefg`rc~' Rlk {gfqk~}k ca hc`g}

mcqk~kb nv rlf} }k~fk} `h}c fgmh{bk} ` h`~ikg{enk~ ca ‘cygk~%cmm{tfkb― mceek~mf`h

hc`g} ” hc`g} }{ttc~rkb nv rlk fgmcek ca rlk ~k}fbkgr n{}fgk}} ~`rlk~ rl`g nv ~kgr

`gb hk`}k t`vekgr}' Fg ` >449 `g`hv}f} nv

EN@ ca rlk rkg n`go} yfrl rlk h`~ik}rmceek~mf`h ec~ri`ik tc~rachfc}(`tt~c|fe`rkhv l`ha( fg bchh`~ qch{ek( ca 

rlkf~ mceek~mf`h ,gcg%e{hrfa`efhv& hc`g

tc~rachfc y`} mcet~f}kb ca rlk}k ‘cygk~%cmm{tfkb― t~ctk~rfk}'

B`r` `~k `q`fh`nhk ac~ hfak mcet`gfk}( ABFM%

fg}{~kb n`go} `gb rlf~ar}( A`ggfk E`k `gb

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A~kbbfk E`m }fgmk 0664 `gb MEN] }fgmk

0669'

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T{~ml`}k i~c{gb%n~k`ofgi(mcet~klkg}fqk ec~ri`ikc~fifg`rfcg fgac~e`rfcg'Mceek~mf`h # E{hrfa`efhv @gg{`h C~fifg`rfcg Qch{ek} ^`gofgi}

 @hh Af~e} ,ekenk~ ">;4 # gcgekenk~ "=;4&

Mceek~mf`h # E{hrfa`efhv @gg{`h C~fifg`rfcg Qch{ek ]{ee`rfcg

Ekenk~ "9; # gcgekenk~ "044

Mceek~mf`h # E{hrfa`efhv Hc`g E`r{~frv Qch{ek}

Ekenk~ ";4 # gcgekenk~ "044

 Rc t{~ml`}k rlk}k t~cb{mr} thk`}k qf}fr: lrrt:##}rc~k'ec~ri`ikn`gok~}'c~i`gb qfky {gbk~ ^k}k`~ml `gb Ac~km`}r}'

 Rc }{n}m~fnk( c~bk~ c~ t`~rfmft`rk( m`hh ,<44& =2<%<1;=( c~ qf}fr yyy'ec~ri`ikn`gok~}'c~i#~k}k`~ml