2)Many Public balloted members couldn’t deposit the installments as per offered payment plan. Due to delay charity has been imposed for late payment. Members frequently complain of huge price differential in the public traded files.Covid19 was also a factor for slow reponse . The charity entice members to seek refund rather than paying remaining installment .Status of refund cases processed so far is place vide Encl2A 3) In order to safeguard PN interest and to retain General Public members a flexible charity policy may please be formulated. The members who’ve paid 12X Installment and those who want to pay 12 installment should be given incentive. Furthermore, already approved incentive model of Charity approved in GB meeting may be taken as guide for exisisting. Member.