BQ[@BG EK\KZBVB]BG FKZHG]DE

\BMB EIDKG MDBJK]KQ CKID][Q

Mhskg \kcjdcjdgf >

Quecb B A.E Q.Ekp.,Gs.,C.Ek

Q.Ekp.,Gs.,C.Ekp.,
p., Qp.Ekp.N

Mdsusug Hik`

\ZBMD]TB OKZGBGMB \[]ZB

24:<<1:

QKEHIB@ ]DGFFD DIC[ EKQK@B]BG

@BGF][B@ Q[ZBJBTB
:<:2-:<::
B. EHGQK\
EHGQK\ MBQBZ
MBQBZ \KGTBE
\KGTBED] D]
2. Mkodgdsd
Mdbjktks ckidtus ckrupbebg ekibdgbg cktbjhidsck ybgf erhgds tkrnbmd mkodsdkgsd
dgsuidg,mdtbgmbd mkgfbg tdgffdgyb ekbbmbbg fiuehsb mbrb` (`dpkrfidekcdb) mbg
fiuehsb mbibc urdgk (fiuehsurdb) btbu ckrupbebg sdgmrhcb eidgds ybgf mdtbgmbd
mkgfbg `dpkrfidekcdb erhgde mbg fbgffubg cktbjhidsck ebrjh`dmrbt,ikcbe mbg
prhtkdg sk`ujugfbg mkgfbg eurbgfgyb skerksd dgsuidg skabrb bjshiut /rkibtdo mbg
bmbgyb fbgffubg dgsuidg.
Mdbjktks cdiktus ckrupbebg skehihcphe ekibdgbg `ktkrhfkg ybgf mdtbgmbd hik`
ekgbdebg ebmbr fiuehsb mbibc mbrb` btbu `dpkrfidekcdb.

:. Kpd
Kpdmkcd
mkcdhi
hihf
hfdd
Mdbjktks tkrutbcb prbvkikg mdbgtbrb ebuc ibgnut usdb. Mdbgtbrb dgmdvdmu ybgf jkrusdb
ikjd` mbrd ?1 tb`ug, 0,?%ckgmkrdtb mdbjktks tdpk DD. Bgfeb dgd ckgabeup 2;%
phpuibsd pbmb pbgtd ibgsdb.

1. Ktdhihfd
\bmb ibgsdb akgmkrugf tkrnbmd pkgdgfebtbg jkrbt jbmbg, juebg ebrkgb ckgfehgsucsd
ebihrd jkrikjd` gbcug ebrkgb pkrujb`bg rbsdh ikcbe-hthtmbg pkgurugbg ibnu
cktbjhidsck jbsbi. @bi dgd mbpbt ckgnbmd obethr prkmdsphsdsd tkrnbmdgyb mdbjktks
ckidtus. \kgykjbj mdbjktks ckidtus pbmb ibgsdb skabrb ucc mbpbt mdfhihgfebg mbibc
mub jksbr>
\rhsks ckgub/ekcugmurbg (pkgurugbg skgsdodtbs dgmrb pkgfkabp,pkgurugbg ougfsd
pbgerkbs mbg pkgurugbg eubidtbs dgsuidg sk`dgffb dgsuidg tdmbe jkrougfsd mkgfbg
jbde).
Fbyb `dmup (idok
(idok styik) ybgf nkike (jbgybe cbebg,nbrbgf hib`rbfb,cdguc
hib`rbfb,cdguc bieh`hi
mbg ibdggyb)
Ekjkrbmbbg pkgybedt ibdg, skrdgf ckgmkrdtb strkss nufb mbpbt ckgnbmd pkgykjbj

tkrnbmdgyb mbjktks ckidtus. Qkibdg dtu pkrujb`bg ougfsd odsde ybgf ckgykjbjebg
ektkidtdbg mbpbt ckgutupd tbgmb mbg fknbib mdbjktks mbg ckgf`bibgfd ibgsdb ugtue
ckgabrd jbgtubg ckmds ekiktd`bg, pkriu jbgfug pbmb cbibc `brdugtue jubgf bdr
ekadi mbg dgokesd ybgf skrdgf ckrupbebg dgmdebthr mdbjktks ybgf cugfedg tdmbe
mdpkr`btdebg hik` ibgsdb mbg bgffhtb ekiubrfb ebrkgb ckrkeb pkrabyb jb`wb `bi
tkrskut bmbib` jbfdbg mbrd prhsks pkgubbg dtu skgmdrd.

=. Eibs
Eibsddodeb
odebsd
sd
 Mdbjktks ckidtus tdpk D>
Mkstruesd ski jktb,ucucgyb ckgnurus ek mkodsdkgsd dgsuidg bjshiut jbde
ckibiud prhsks dcughihfde
dcughihfde cbupug dmdhpbtde ebrbtkrdstde
ebrbtkrdstde mdbjktks tdpk D>
D>
 Cumb` tkrnbmd
tkrnbmd ekthbsdmhsds, pkgfhjbtbg `brus mkgfbg dgsuidg, hgskt beut,
jdbsbgyb eurus, jdbsbgyb tkrnbmd pbmb ucur ybgf cbsd` cumb, jkr`ujugfbg
mkgfbg @IB-MZ1 mbg MZ=, mdmbpbtebg bgtdjhmd ski dsikt, 2<%gyb bmb
rdwbybt mdbjktks pbmb ekiubrfb
 Mdbjktks ckidtus tdpk DD>
Jkrvbrdbsd cuibd ybgf prkmhcdgbg rksdstkgsd dgsuidg rkibtdo sbcpbd ybgf
prkmhcdgbgbg fbgffubg skerksd dgsuidg jkrsbcb rksdstkgsd dgsuidg.
Ebrbetkrdstde Mc tpk DD>
Quebr tkrnbmd ekthbsdmhsds, pkgfhjbtbg tdmbe `brus mkgfbg
mkgf bg dgsuidg, hgskt
ibcjbt, fkcue btbu tdmbe fkcue, jdbsbgyb tkrnbmd pbmb ucur 7=; tb`ug , tdmbe
jkr`ujugfbg mkgfbg @IB, tdmbe bmb bgtdjhmd ski dsikt, 1<% gyb bmb rdwbybt
mdbjktks pbmb ekiubrfb,
ekiubrfb, eurbgf ikjd` 2<<% ekcjbr dmkgtde tkrekgb.

;. Cbgd
Cbgdok
okst
stbs
bsdd eidg
eidgds
ds
Ekiu`bg ucuc pbsdkg MC skpkrtd phiiurdb,phidmdpsdb, phidobfdb, pbmb ibgsdb
ucucgyb tdmbe bmb, hschtde mdurksds bedjbt fiuehsurdb tkrtugmb mdskjbjebg bcjbgf
fdgnbi ybgf tdgffd, mbg mbpbt cugaui ekiu`bg gheturdb mdskrtbd fbgffubg tdmur btbu
jb`ebg dgehgtdgkgsdb urdg, pkrbsbbg `bus pbmb pbsdkg MC ibgsdb eurbgf
mdrbsbebg,bedjbtgybckrkeb tdmbe jkrkbesd tkr`bmbp mk`dmrbsd.ebrkgb dtu tdmbe tkrnbmd
phidmdpsdb btbu jbru tkrnbmd pbmb stbmduc ibgnut, skjbidegyb ybgf skrdgf ckgfbgffu
pbsdkg bmbib` ekiu`bg bedjbt ehcpidebsd mkfkgkrbtdo erhgde pbmb pkcjuiu` mbrb` mbg
sbrbo.
\bmb MC ibgsdb tkrmbhbt pkrujb`bg pbthodsdhihfd bedjbt prhsks ckgub,sk`dgffb
fbcjbrbg eidgdsgyb jkrvbrdbsd mbrd ebsus tbgpb fknbib sbcpbd ebsus mkgfbg
ehcpidebsd ybgf iubs,ekiu`bg ybgf skrdgf cugaui bmbib` bmbgyb fbgffubg
pkgfid`btbg ebrkgb ebtbrbe, rbsb ekskcutbg pbmb tugfebd skrtb ekikcb`bg htht
(gkurhpbtd pbrdokr) mbg iueb pbmb tugfebd ybgf suebr skcju` mkgfbg pkgfhjbtbg
ibzdc.
Ckgurug supbrthgmh, fknbib fknbib bedjbt Mc pbmb usdb ibgnut ybgf skrdgf mdtkcuebg
bmbib`>
b. Ebtbrbe
j. Fibuehcb
a. Zktdghpb pbttd
m. Fbtb
Fbtb ski
skiur
uru`
u` jbm
jbmbg bg
k. \rur
\rurdt
dtus
us vu
vuivivbi
bikk
o. Dgok
Dgokes
esdd j
jbe
betk
tkrd
rd euid
euidtt
f. Dgok
Dgokes
esdd nbc
nbcur ur mdeu
mdeuididtt
`. Mkr
Mkrcbt
cbthpbt
hpbtdd
d. Gkur
Gkurhphpbtbtdd pbr
pbrddok
okrr
n. Gkurhpbtd vdskrbi
 e. Bcdhtrhpd
i. [i
[ieu
euss gkur
gkurhphpbt
btdde
c. \kgyb
\kgybed
edtt fdgn
fdgnbi
bi
g. \kgybed
\kgybedtt ppkcj
kcjuiu
uiu` ` mbrb
mbrb`
` pkrd
pkrdokr
okr
h. \kgy
\kgybe
bedt
dt ehrh
ehrhgk
gkrr
p. \kgybedt pkcjuiu mbrb` htbe
q. @dpkrtkgsd

?. \b
\bth
thod
odsd
sdhi
hihf
hfdd
Mbibc prhsks cktbjhidsck, dgsuidg ckckfbgf pkrbgbg pkgtdgf ybdtu ckcbsueebg
fiuehsb ek mbibc ski ybgf mdfugbebg skjbfbd jb`bg jbebr. Dgsuidg bmbib` subtu zbt
btbu `hrchg ybgf md`bsdiebg hik` ski jktb md pbgerkbs. Jdib dgsuidg tdmbe bmb cbeb
fiuehsb tdmbe mbpbt cbsue ski mkgfbg bedjbt fiuehsb bebg tktbp jkrbmb md pkcjuiu`
mbrb` ybgf brtdgyb ebmbr fiuehsb md mbibc mbrb` ckgdgfebt.
\bmb Mdbjktks ckidtus tdpk 2 tkrnbmd ekibdgbg skerksd dgsuidg hik` ski jktb pbgerkbs.
\bsdkg mdbjktks tdpk dgd ckwbrdsd ekrkgtbgbg fkgktde ybgf
ybg f ckrupbebg prkmdsphsdsd
ugtue ekrusbebg buthdcug ski jktb pbgerkbs. Zksphg buthdcug mdpbau hik` betdvdtbs
idcohsdt, bgtdjhmd tkr`bmbp ski puibu ibgfkr`bgs mbg tkr`bmbp dgsuidg dtu skgmdrd.
\bmb mdbjktks ckidtus tdpk : ybgf skrdgf tkrnbmd pbmb ibgsdb, nucib` dgsuidg ghrcbi
tktbpd nucib` rkskpthr dgsuidg ybgf tkrmbpbt pbmb pkrcuebbg ski ybgf eurbgf
sk`dgffb fiuehsb ybgf cbsue ek mbibc ski skmdedt mbg fiuehsb mbibc mbrb` ckgnbmd
ckgdgfebt.
6. \bt`wby
0. \k
\kgb
gbtb
tbib
ibes
esbg
bgbb
bbg
g
]unubg utbcb tkrbpd mdbjktks ckiidtus bmbib` ckgahjb ckghrcbiebg betdvdtbs dgsuidg
mbg ebmbr fiuehsb mbrb` mbibc upbyb ugtue ckgfurbgfd ehcpidebsd vbseuikr skrtb
gkurhpbtd. ]unubg tkrbpkutde pbmb sktdbp tdpk mdbjktks bmbib` ckgabpbd ebmbr fiuehsb
mbrb` ghrcbi.
Bmb ; ehcphgkg mbibc pkgbtbibesbgbbg mdbjktks >
b. Mdkt
Qubtu pkrkgabgbbg cbebgbg ybgf tkrmdrd mbrd 2<% ikcbe, 2;% \rhtkdg, 6;%
Ebrjh`dmrbt ehcpikes mdrkehckgmbsdebg ugtue ckgakfb` mdbjktks. Ebgmugfbg
rkgmb` ikcbe mbibc mdkt dgd tdmbe `bgyb ckgakfb` brtkrhseikrhsds, tktbpd nufb
ckgdgfebtebg betdvdtbs rkskpthr dgsuidg.
j. Ibtd`bg
Ibtd`bg nufb mdpkriuebg ugtue ckcjbgtu ckgakfb` mdbjktks. \kckrdesbbg
skjkiuc ibtd`bg skjbdegyb mdibeuebg ugtue ckcbstdebg jb`wb eidkg ibgsdb skabrb
odsde cbcpu ckgfdeutd prhfrbc ibtd`bg ekjufbrbg. \kgfebndbg pbmb tdgfebt
 betdvdtbs eidkg ybgf tkrjbru mbg pdid`bg fbyb `dmup mbpbt ckcjbgtu ckgkgtuebg
nkgds ibtd`bg ybgf cugfedg pbidgf jkr`bsdi. Jkrnbibg btbu jkrkgbgf, mub betdvdtbs
mkgfbg mbcpbe rkgmb`, ckrupbebg pkrcuibbg ybgf sbgfbt jbde ugtue pbrb
pkcuib. [gtue ibgsdb mkgfbg GDMMC, hib`rbfb mbpbt skabrb ibgfsugf
ckgdgfebtebg ougfsd odsdhihfds mkgfbg ckgfurbgfd ebmbr fiuehsb mbrb`,
ckgdgfebtebg stbcdgb mbg eksknb`tkrbbg kchsdhgbi, mbg ckgdgfebtebg sdreuibsd,
skrtb ckcjbgtu ckgurugebg jkrbt jbmbg.
a. \k
\kccbgtu
gtuibg
\bmb pbsdkg mkgfbg mdbjktks, ebmbr fiuehsb mbrb` `brus skibiu mdpkrdesb skabrb
rutdg. Qkibdg dtu, pkrujb`bg jkrbt jbmbg ibgsdb nufb `brus mdpbgtbu ugtue
ckgfktb`ud tkrnbmdgyb hjksdtbs ybgf mbpbt ckgdgfebtebg rksdeh MC pbmb ibgsdb.
m. ]k
]krb
rbpd
pd (nd
(ndeb
eb mdp
mdpkr
kriu
iueb
ebg)
g)
Quiohgdiurdb bmbib` ekihcphe hjbt ybgf pbidgf skrdgf mdrkskpebg mbg koketdo
`bgyb ugtue pkgbgfbgbg GDMMC. \kcjkrdbg dgsuidg nufb mbpbt mdibeuebg ugtue
ckpkrtb`bgebg ebmbr fiuehsb mbrb` mbibc
mbibc pbrbcktkr ybgf tkib` mdtkgtuebg ugtue
ckcjbtbsd ehcpidebsd pkgybedt ybgf ckcjb`bybebg.
k. \kgmdmdebg
Mdkt ybgf `brus mdehcsucsd, Ibtd`bg, \kgffugbbg dgsuidg
4. \k
\kck
ckrd
rdes
esbb
bbg
g Mdbf
Mdbfgh
ghst
stde
de
 Fiuehsb mbrb` skwbetu
 Ebmbr fiuehsb mbrb` pubsb
 ]ks thikrbgsd fiuehsb
Erdtkrdb mdbfghstde V@H ugtue mdbjktks ckidtus pbmb skmdedtgyb : ebid
pkckrdesbbg >
 Fiuehsb pibscb skwbetu 7:<< cf8mi (22,2 cchi/I)
 Fiuehsb pibscb pubsb 72=< cf/mi (6,0 cchi8I)
 Fiuehsb pibscb mbrd sbcpki ybgf mdbcjdi : nbc ekcumdbg sksumb`

ckgfehgsucsd 6; fr ebrjh`dmrbt (: nbc phst prbgmdbi

p rbgmdbi (pp) 7 :<< cf/mi
2<. Ehcpidebsd
Ehcpidebsd Mdbjktks
Mdbjktks Ckidtus
Ckidtus
Ehcpidebsd mdbjktks ckiidtus mdeibsdodebsdebg ckgnbmd beut mbg erhgds. Tbgf
tkrcbsue mbibc ehcpidebsd beut bmbib` `dphfidekcdb, mdbjktks ekthbsdmhsds (MEB),
mbg `ypkrfiyakcda `ypkrhschibr ghgekthada ahcb (@@GA). Tbgf tkrcbsue mbibc
ehcpidebsd erhgds bmbib` rktdghpbtd mdbjktda, gkorhpbtd mdbjktda, gkurhpbtd,
mdsidpdmkcdb, mbg `dpkrtkgsd.
 Ehcpidebsd beut
b. Md
Mdbj
bjkt
ktks
ks ek
ekth
thbs
bsdm
dmhs
hsds
ds
Mdbjktks ekthbsdmhsds bmbib` bedjbt ybgf jkrbt mbrd mkodadt dgsuidg ybgf jkrbt
pbmb nbrdgfbg bmdphsk, htht sekiktbi, mbg `kpbr. Nbrdgfbg tkrskjut tkrcbsue

sbgfbt skgsdtdvk tkr`bmbp ekeurbgfbg dgsuidg. MEB mbpbt mdaktusebg hik`

dgokesd ( pkgybedt)
  Ehcpidebsd erhgds
b. Zktd
Zktdgh
ghpb
pbtd
td mdb
mdbjk
jktd
tdaa
Iksd pbidgf bwbi ybgf tdcjui bmbib` cderhbgkurdsc pbmb pkcjuiu` rktdgb.
]krmbpbt puib jbfdbg dsekcde, ybdtu rktdgb bedjbt jkreurbgfgyb bidrbg
mbrb` rktdgb. Zksphg tkr`bmbp dsekcde rktdgb dgd bmbib` pkcjkgtuebg
pkcjuiu` mbrb` jbru, tktbpd pkcjuiu` mbrb` tkrskjut sbgfbt rbpu`
sk`dgffb cumb` pkab` mbg mbpbt ckgfbedjbtebg pkrmbrb`bg vdtrkhus.
\krmbrb`bg dgd jdsb ckgfbedjbtebg bjibsdh rktdgb btbu jkruibgf ybgf
ckgfbedjbtebg ekjutbbg pkrcbgkg.
j. Gktorhpbtd mdbjktda
Iksd rkgbi ybgf e`bs mbrd gkorhpbtd mdbjktda bmbib` fihckruihseikrhsds
ybgf ghmuibr ybgf tkrskjbr mdekmub fdgnbi ybgf mdskjut sdgmrhc
Ehcckistdki-Vdishg.
Ehcckistdki-Vdis hg. Fihckruihseikrdhsds ghmuibr mdebdtebg mkgfbg
prhtkdgurdb, kmkcb mbg `dpkrtkgsd. Iksd sdgmrhc Ehcckistdki-Vdishg
Ehcckistdki-Vdishg
mdtkcuebg `bgyb pbmb MC.
a. Gkurhpbtd
Gkurhpbtd mdbjktda tkrnbmd pbmb ?< ‑ 6<% dgmdvdmu MC. gkurhpbtd mdbjktda
ybgf pbidgf skrdgf mdtkcuebg bmbib` gkurhpbtd pkrdokr mbg buthghcda.
m. Mdsp
Mdspiidmkc
mkcdb
Idcb puiu` pkrskg dgmdvdmu mkgfbg MC ckgfbibcd mdsidpdmkcdb.
k. @dpkrtkgsd
@dpkrtkgsd pbmb pbsdkg mkgfbg MC tdpk 2 ckgugnueebg pkgybedt fdgnbi,
cderhbijucdgurdb, btbu prhtkdgurdb. \bmb pbsdkg mkgfbg MC tdpk :,
`dpkrtkgsd jdsb ckgnbmd `dpkrtkgsd kskgsdbi. @dpkrtkgsd `brus skakpbt
cugfedg mdektb`udg mbg mdtbgfbgd ebrkgb jdsb ckcpkrjkrbt rktdghpbtd,
gkprhpbtd, mbg pkgybedt cberhvbseuibr.
o. Ebed mdbjktda
Bmb tdfb obathr ybgf jkrpkrbg mbibc ebed mdbjktda ybdtu gkurhpbtd,
dsekcdb, mbg skpsds. Jdbsbgyb bcputbsd `brus mdibeuebg. @dibgffgyb
skgshrd pbmb ebed ckgfbedjbtebg trbucb mbg phtkgsdbi ugtue uieus.
\krujb`bg cderhvbseuikr mbg cberhvbseuikr mbpbt ckgfbedjbtebg
dsekcdb nbrdgfbg mbg skpsds. Gkurhpbtd, dsekcdb, mbg skpsds jdsb
ckgykjbjebg fbgfrkgk mbg bcputbsd.
f. @dph
@dphfi
fiddekc
ekcdb
@dphfidekcdb bmbib` ekbmbbg mkgfbg ebmbr fiuehsb mbrb` md jbwb` ?<
cf/mi, ybgf ckrupbebg ehcpidebsd phtkgsdbi tkrbpd dgsuidg btbu hjbt
`dphfidekcde hrbi. \kgykjbj `dphfidekcdb pbmb pbsdkg skmbgf ckgkrdcb
pkgfhjbtbg dgsuidg keshfkg btbu `dphfidekcde hrbi.

22. Dgtkrv
Dgtkrvkgs
kgsdd
 Dgtkrvkgsd ekpkrbwbtbg ckrupbebg subtu pkrbwbtbg ybgf mdibeubebg pkrbwbt
jkrmbsbrebg pkgdibdbbg eidgds mbg pkgfktb`ubg pkrbwbt ugtue ckgdgfebtebg hutahck
pbsdkg/eidkg.

2:. Kvbiub
Kvbiubsd
sd
Betdvdtbs ybgf mdrkgabgbebg jkrekibgnutbg, mbg tkrbrb` ektdeb eidkg mbg prhoksdhgbi
eksk`btbg ckgkgtueb ekcbnubg eidkg ckgunu pkgabpbdbg tunubg/`bsdi,mbg ekkoketdobg
rkgabgb bsu`bg ekpkrbwbtbg

J. EHGQK
EHGQK\
\BBQ[@BG
Q[@BG EK\KZ
EK\KZBVB]B
BVB]BG
G
2. \kgfe
febbndbg
b. Zd
Zdwb
wbyb
ybtt eksk
eksk`b
`btb
tbg
g ekiubr
ekiubrfb
fb
Bmbeb` ekiubrfb ybgf ckgmkrdtb pkgybedt skpkrtd eidkg 8
j. Zdwbybt eksk`btbg pbsdkg mbg pkgfhjbtbg skjkiucgyb
Jkrbpb ibcb eidkg ckgmkrdtb MC,jbfbdcbgb pkgbgfbgbggyb,ckgmbpbt tkrbpd
dgsuidg nkgds bpb,jbfbdcbgb abrb cdguc hjbtgyb bpbeb` tkrbtur/tdmbe,bp sbnb ybgf
mdibeuebg eidkg ugtue ckgbgffuibgfd pkgybedtgyb.
a. Betdv
Betdvdt
dtbs
bs/D
/Dst
stdr
drb`
b`bt
bt
Iktd`,ikcb`,suidt jkrfkrbe/jkrnbibg,erbc htht,thgus htht ckgurug.
m. Qdreuibsd
Bmbeb` rdwbybt `dpkrtkgsd,BCD,eibumdebsd,ekjbs,ekskcutbg pbmb
kestkrcdtbs,uieus pbmb ebed ybgf pkgykcju`bggyb ibcb,tbedebrmd,pkrujb`bg
tkebgbg mbrb`.
k. Dgt
Dgtkfr
kfrdtb
tbss kfh
kfh
Qtrkss,bgsdktbs
o. Kidcdgbsd
\krujb`bg phib jkrekcd` (phidurdb,gheturdb,bgurdb) mdbrk
f. Cbeb
Cbebgbgbg/
g/ab
abhr
hrbg
bg
Bghrkesdb,cubi cugtb`,tdmbe ckgfdeutd mdkt,pkgurugbg jkrbt
jbmbg,`bus,pkgffugbbg murktde/
`. Gkur
Gkurhs
hskg
kgsh
shrd
rd
\usdgf,sbedt ekpbib,ekjbs ekikcb`bg pbmb htht,pbrkstksdb,fbgffubg pkgfid`btbg,
d. Gykr
Gykrd/
d/ek
ekgy
gybc
bcbgbgbg
bg
Bjmhckg tkfbgf,gykrd(skmbgf/jkrbt)
n. \krgbobsbg
Jbtue mkgfbg btbu tbgpb sputuc puruikg (tkrfbgffu bmbgyb dgokesd btbu tdmbe)
e. Ekbbcbgbg
Euidt ekrdgf,fbtbi,uius euidt

:. Md
Mdbf
bfghs
ghsbb ek
ekpk
pkrb
rbwb
wbtb
tbg
g
 b. Fbgffubg
Fbgffubg gutrdsd
gutrdsd > eurbgf
eurbgf mbrd ekjutu`bg
ekjutu`bg tuju`
tuju` jkr`ujugfbg
jkr`ujugfbg mkgfbg
mkgfbg pkgdgfebtb
pkgdgfebtbg
g
cktbjhidsck prhtkdg,ikcbe
j. Ekeurbgfbg vhiuck abdrbg jkr`ujugfbg mkgfbg hschtde mdurksds mdtbgmbd
mkgfbg tufhr euidt ckgurug mbg ckcjrbg cuehsb ekrdgf
a. Fbgffubg
Fbgffubg dgtkfrdtb
dgtkfrdtbss euidt
euidt jkr`ujugfbg
jkr`ujugfbg mkgfbg pkrujb`bg
pkrujb`bg stbtus
stbtus cktbjhi
cktbjhide
de
(gkurhpbtd pkrdokr) mdtbgmbd mkgfbg fbgfrkg pbmb kxtrkcdtbs
m. Ekikib`bg
Ekikib`bg jkr`ujug
jkr`ujugfbg
fbg mkgfbg
mkgfbg ehgmdsd
ehgmdsd oodsde
dsde ybgf eurbgf
k. Zsdeh tdgffd
tdgffd dgokesd
dgokesd jkr`ujug
jkr`ujugfbg
fbg mkgfbg
mkgfbg fiuehsb
fiuehsb mbrb`
mbrb` ybgf
ybgf tdgffd
tdgffd
o. Zksdeh tkrnbmd
tkrnbmd dgnury
dgnury jkr`ujugfbg
jkr`ujugfbg mkgfbg pkgurugbg
pkgurugbg pkgfid`btbg
pkgfid`btbg

1. \k
\krk
rkga
gabg
bgbb
bbg
g Ekpkrb
Ekpkrbbwb
bwbtbtbg
g
b. Fbgffubg
Fbgffubg gutrdsd
gutrdsd > eurbgf
eurbgf mbrd ekjutu`bg
ekjutu`bg tuju`
tuju` jkr`ugfbg
jkr`ugfbg mkgfbg
mkgfbg prgdgfebtbg
prgdgfebtbg
cktbjhidsck prhtkdg,ikcbe
]unubg > sktkib` mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg ekjuru`bg gutrdsd
pbsdkg mbpbtb tkrpkgu`d.
Mkgfbg erdtkrdb `bsdi >
- \bsdkg
\bsdkg mbpbt
mbpbt ckgak
ckgakrgb
rgb nuci
nucib`
b` ebihr
ebihrdd btbu
btbu gutrd
gutrdkg
kg ybgf
ybgf tkpbt
tkpbt
- Jkrbt
Jkrbt jbmbg
jbmbg stbj
stbjdi
di btbu
btbu pkgbcj
pkgbcjb`b
b`bg
g ek brb`
brb` rkgt
rkgtbgf
bgf jdbs
jdbsbgy
bgybb

]dgmbebg/Dgtkrvkgsd Zbsdhgbi
2. ]d
]dcj
cjbgbgff jk
jkrb
rbtt jbmbg
jbmbg sksksu
subd
bd dgmd
dgmdeb
ebsd
sd Ckgf
Ckgfebn
ebndd pk
pkcb
cbsu
sueb
ebg
g cbeb
cbebgb
gbg
g yb
ybgf
gf bm
bmkeu
keubt
bt
:. ]kgtue
]kgtuebgbg prhfr
prhfrbcbc mdkt
mdkt,, phib
phib cbebg
cbebg mbg mbg Ckgfdmkgtdodebsdebg ekeurbgfbg mbg
jbgmdgfebg mkgfbg cbebgbg ybgf pkgydcpbgfbg mbrd ekjutu`bg tkurbpktde
mbpbt md`bjdsebg eidkg
1. Buseui
Buseuitur
turbsd
bsd j
jds
dsdgf
dgf usus,
usus, abtb
abtbtt gykrd
gykrd @dpkrfidekcd, fbgffubg ekskdcjbgfbg abdrbg
bjmhckg btbu pkrut ekcjugf cubi, mbg kiketrhidt ckgurug ebg chtdidtbs btbu
cugtb` mbg pkrtb`bgebg ekbmbbg ougfsd ibcjugf (mdstkgsd btbu dikus pbrbidtde)
pubsb sksubd dgmdebsd
=. Jkrd
Jkrdeb
ebg
g cbeb
cbebgb
gbg g abdr
abdr ybgf
ybgf \kcjkrdbg cbebgbg ckibiud hrbi ikjd` jbde
ckgfbgmugf gutrdsd mbg kiketrhidt, mdjkrdebg pbmb eidkg sbmr mbg ougfsd
skibgnutgyb ckcjkrdebg cbebgbg ybgf fkstrhdgtkstdgbi jbde
ikjd` pbmbt
;. Dmkgtdodeb
ebssd cb
cbebgbg ybg
ybgf md
mdsue
uebbd Ekrnbsbcb mb
mbibc pkpkrkgabgbb
bbg
g cb
cbebgbg
?. Idjbte
Idjbtebg
bg ekiubr
ekiubrfb
fb mbibc
mbibc pkrkga
pkrkgabgbb
bgbbg
g Ckgdfebtebg rbsb ektkridjbtbggyb ckcjkrd
cbebg dgohrcbsd pbmb ekiubrfb ugtue ckcb`bcd
ekjutu`bg gutrdsd eidkg
6. Hjskrv
Hjskrvbsd
bsd tbgmb
tbgmb `dphfi
`dphfidek
dekcdb
cdb \bmb cktbjhids ebrjh`dmrbt (fuib` mbrb` bebg
( pkrujb`bg tdgfebt eksbmbrbg ,euidt jkreurbgf mbg skckgtbrb tktbp mdjkrdebg
ikcjbj btbu mdgfdg ,mkgyut gbmd dgsuidg, cbeb tkrnbmd tbgpb ckcpkrid`btebg
akpbt,ibpbr,pkeb rbgfsbgf,akcbs,sbedt pkrujb`bg tdgfebt eksbmbrbg
ekpbib,pusdgf)
Ehibjhrbsd
0. Ibeuebg pkckrdesbb
pkckrdesbbgg fuib` mbrb` Bgbidsb
Bgbidsb mdtkc
mdtkcpbt
pbt tdmur tkr`bmbp
tkr`bmbp fib mbrb` ikjd`
ikjd`
 mkgfbg odgfkr stdae beurbt mbrdpbmb ckcbgtbu fuib mbibc urdgk
4. \bgtbu
\bgtbu pkck
pkckrde
rdesbb
sbbgg ibjhr
ibjhrbth
bthrdu
rduc
c Fuib` mbrb` ckgurug pkrib`bg mkgfbg
(fiuehsb mbrb`,bskthg,p@,@AH1) pkgffugbbg abdrbg mbg tkrbpd dgsuidg tkrehgtrhi
sk`dgffb fiuehsb mbpbt cbsue ekmbibc ski mbg
mdfugbebg ugtue sucjkr ebihrd, sbbt dgd, ebmbr
bskthg ckgurug mbg bsdmhsds mbpbt mdehrkesd
2<. Jkrdebg
Jkrdebg pkgfhjbtbg
pkgfhjbtbg dgsuidg skabrb
skabrb Dgsuidg rkfuibr ckcdided bwdtbg akpbt mbg
tkrbtur ckibiud dv mkgfbg akpbt puib ckcjbgtu ckcdgmb`ebg
fiuehsb ek mbibc ski, pkcjkrdbg ckibiud D_
ebrkgb bjshrpsd mbrd nbrdgfbg sujeutbg sbgfbt
ibcjbt
22. Jkrdebg
Jkrdebg ibrutbg fiuehsb (mkstrhesb
(mkstrhesb,, Ibrutbg fiuehsb mdtbcjb`ebgsktkib` dgsuidg
sktkgfb` sbidg ghrcbi) mbg abdrbg ckcjbwb fuib mbsbr skedtbr :;<
cf/mi. Mkgfbg cktbjhids ebrjh`dmrbt
ckgmkebtd ghrcbi,pkrbwbtbg mdjkrdebg ugtue
ckgf`dgmbrd `dphfidekcdb
2:. Ehgsuitbsd b`id fdzd Jkrcbgobbt mbibc pkgf`dtugfbg mbg
pkgyksubdbg mdkt ugtue ckckgu`dekjutu`bg
gutrdsd

Ekeurbgfbg vhiuck abdrbg jkr`ujugfbg mkgfbg hschtde mdurksds mdtbgmbd mkgfbg tufhr
euidt ckgurug mbg ckcjrbg cuehsb ekrdgf.
]unubg > sktkib` mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg ekjutu`b abdrbg btbu `dmrbsd
pbsdkg tkrpkgu`d
Mkgfbg erdtkrdb `bsdi >
- pbsdkg
pbsdkg ckgugn
ckgugnueeb
ueebgg `dmrbsd
`dmrbsd ybgf
ybgf bmkeubt
bmkeubt mdjue
mdjuetde
tdebg
bg hik` tbgmb
tbgmb vdtbi
vdtbi stbjdi
stbjdi,,
gbmd pkrdokr mbpbt mdrbjb,turfhr euidt mbg pkgfdsdbg
pkg fdsdbg ebpdikr jbde,iubrbg urdg
tkpbt skabrb dgmdvdmu mbg ebmbr kiketrhidt mbibc jbtbs ghrcbi

]dgmbebg/Dgtkrvkgsd
Cbgmdrd Zbsdhgbi
2. Ebnd
Ebnd rdwbyb
rdwbybtt eidkg
eidkg sk`uj
sk`ujugfb
ugfbgg mkgfbg
mkgfbg Ckcjbgtu ckcpkredrbebg ekeurbgfbg vhiuck
ibcbgyb btbu dgtkgsdtbs mbrd fknbib thtbi, bmbgyb prhsks dgokesd ckgfbedjbtebg
skpkrtd cugtb` mbg pkgfkiubrbg urdg mkcbcb mbg ekbmbbg `dpkrcktbjhide ybgf
ybgf jkrikjd`bg ckgdgfebtebg ek`dibgfbg bdr
:. \bgtbu
\bgtbu tbgmb-
tbgmb-tbg
tbgmb
mb vdtbi
vdtbi,, abtbt
abtbt bmbgy
bmbgybb @dphvkikcd mdcbgdokstbsdebg hik` `dphtkgsd
pkrujb`bg tkebgbg mbrb` hrthstbtde mbg tbedebrmdb. \kredrbebbg jkrbt rdgfbggyb
`dphvkikcd sbbt tkebgbg mbrb` sdsthide turug
72< cc@f mbrd phsdsd jkrjbrdgf ek mumue btbu
jkrmdrd
1. \bgtbu
\bgtbu phib
phib gbpbs
gbpbs skpk
skpkrtd
rtd bmbgyb
bmbgyb \kriu ckgfkiubrebg bsbc ebrjhgbt ckibiud
pkrgbpbsbg eusscbui btbu pkrgbpbsbg pkrgbpbsbg ybgf ckgf`bsdiebg ehcpkgsbsd
ybgf jkrjbu ekthg biehihsds rksprbthrds tkr`bmbp ekbmbbg
 ekthbsdmhsds. Gbpbs jbu bskthg mdskjbjebg
pkckab`bg bsbc bskthbsktbt mbg `brus
jkreurbgf jdib ekthsds tkrehrkesd
=. \bgtbu
\bgtbu orkeukg
orkeukgsd
sd mbg eubidt
eubidtbs
bs @dpkrfidekcdb mbg bsdmhsds ckgykjbjebg phib
pkrgbpbsbg, pkgffugbbg htht jbgtu mbg orkeukgsd pkrgbpbsbg ghrcbi. Bebg tktbpd
gbpbs, bmbgyb pkrdhmk bpgkb mbg pkgdgfebtbg ekr nb pkrgbpbsbg mbgfebi mbg
sdbghsd akpbt skrtb sdbghsds ckrupbebg dgmdebsd mbrd
ekikib`bg pkrgbobsbg btbu ek`dibgfbg
ekcbcpubg ckibiud ehcpkgsbsd pbmb sdbmhsds
;. \bgtbu
\bgtbu su`u,
su`u, wbrgb
wbrgb euidt,
euidt, btbu
btbu Mkcbc,ckgffdfdi mbg mdbp`hrksds bmbib` `bi
ekikcjbpbggyb ucuc tkrnbmd pbmb prhsks dgokesd
?. Ebnd
Ebnd gbmd
gbmd pkrdok
pkrdokr,
r, pkgfds
pkgfdsdbg
dbg ebpdi
ebpdikr,
kr, Ckrupbebg dgmdabthr tdgfebt mk`dmrbsd btbu
turfhr euidt, mbg ckcjrbgk cuehsb vhiuck sdreuibsd ybgf bmkeubt
6. \bgtbu cbsuebg
cbsuebg mbg pkgfkiubrbg
pkgfkiubrbg Ckcpkredrbe
Ckcpkredrbebg bg ekjutu`bg
ekjutu`bg abdrbg
abdrbg pkgffbgtd,
pkgffbgtd,
ougfsd fdgnbi, mbg ekkoketobg tkrbpd ybgf
mdjkrdebg
0. [eur jkrbt jbmbg sktdbp
sktdbp `brd Ckcjkrdebg
Ckcjkrdebg `bsdi pkgfebndbg
pkgfebndbg tkrjbde
tkrjbde mbrd
stbtus abdrbg ybgf skmbgf jkribfsugf mbg
skibgnutgyb ckcjkrdebg abdrbg pkgffbgtd

4. \krtb`
\krtb`bge
bgebg
bg pkcjk
pkcjkrdb
rdbg
g abdrbg
abdrbg cdgd
cdgdcbi
cbi Ckcpkrtb`bgebg `dmrbsd btbu vhiuck sdreuibdsd
:;<< ci/`brd
2<. ]dgfebtebg
]dgfebtebg idgfeugfbg
idgfeugfbg ybgf
ybgf Ckgf`dgmbrd pkcbgbsbg jkrikjd`bg tkr`bmbp
ckgdcjuiebg rbsb gybcbg. Qkidcutd eidkg
eidkg mkgfbg ebdg ybgf tdpds
22. ebnd bmbgyb
bmbgyb pkrujb`bg
pkrujb`bg ckgtbi btbu
btbu \krujb`bg ckgtbi jkr`ujubgfbg mkgfbg
skgshrd `dpkrfidekcd btbu `dphfidekcd
2:. Hjskrvbsd
Hjskrvbsd cubi,
cubi, gykrd bjmhckg,
bjmhckg, Ekeurbgfbg abdrbg mbg kiketrhidt ckgfujb`
cugtb`, mbg mdstkgsd ibcjugf chtdidtbs ibcjugf sk`dgffb skrdgf
ckgdcjuiebg cugtb`
21. Hjskrvbsd
Hjskrvbsd bmbgyb pkrbsbbg
pkrbsbbg ekikib`bg
ekikib`bg \kcjkrdbg abdrbg ugtue pkrjbdebg ybgf akpbt
ybgf ckgdgfebt, kmkcb, pkgdgfebtbg jkrphtkgsd ckgdcjuibebg ekikjd`bg abdrbg mbg
jkrbt jbmbg, gbmd tdmbe tkrbtur, mbg fbfbi nbgtugf erhgds
mdstkgsd vkseuikr
ehibjhrbsd
2=. Jkrdebg
Jkrdebg tkrbpd sksub
sksub dgmdebsd>
dgmdebsd> ]dpk mbg nucib` abdrbg tkrfbgtugf pbmb mkrbnbt
- gggghr
hrcb
cbii sbi
sbidg
dg bt
btbu
bu sk
sktk
tkgf
gfb`
b` ekeeurbgfbg abdrbg mbg rksphg eidkg skabrb
ghrcbi sbidg mkgfbg btbu dgmdvdmubi
tbgpb mkestrhsb \ibscb kespbgmkr mdjutu`ebg ndeb ckgfbgabc
- bibiju
juccdg,p
dg,pibibsc
scb,
b, bt
btbu
bu ndwb btbu tkebgbg mbrb` sumb` tdmbe mbpbt
mkestrbg ekcjbid ghrcbi
2;. \bsbgf ebtktkr urdgk Ckcjkrdebg pkgfueurbg ybgf tkpbt tkr`bmbp
pkgfkiubrbg urdg

j. Fbgffubg dgtkfrdtbs euidt jkr`ujugfbg mkgfbg pkrujb`bg stbtus cktbjhide

(gkurhpbtd pkrdokr) mdtbgmbd mkgfbg fbgffubg fbgfrkg kxtrkcdtbs
 ]unubg > sktkib` mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg tdmbe tkrnbmd
ehcpidebsd
Mkgfbg erdtkrdb `bsdi >
- ckgu
ckgugngnue
ueeb
ebg g pkgdg
pkgdgfeb
febtb
tbgg dgtkf
dgtkfrd
rdtb
tbss euidt
euidt
- ckgf
ckgf`d`dgm
gmbr
brdd akmk
akmkrrb eui
euidt

]dgmbebg / dgtkrvkgsd Zbsdhgbi

Cbgmdrd
2. Dgsp
Dgspke
kesd
sd euidt
euidt tk
tkr`
r`bmb
bmbp
p pk
pkru
rujb
jb`b
`bg
g Ckgbgmbebg
Ckgbgmbebg bidrbg
bidrbg sdreuibsd
sdreuibsd jurue ybgf
wbrgb,turfhr,vbseuikr,pkr`btdebg mbpbt ckgdcjuiebg dgokesd
ekckrb`bg.
:. [j
[jb`
b` phsds
phsdsdd sk
sktd
tdbp
bp : nb
nbc
c jkrd
jkrd jb
jbgt
gtbi
bibg
bg Ck
Ckgu
guru
ruge
gebg
bg tk
tkebg
ebgbg
bg pb
pbmb
mb kmkcb
kmkcb mb
mbg
g
pbmb thgnhibg tuibgf ckgurugebg dsekcdb
1. \kr
\krtb`
tb`bge
bgebg
bg bibs
bibs ekrdgf
ekrdgf mbg jkjbs
jkjbs idpb
idpbtbg
tbg Ckguru
Ckgurugebg
gebg drd
drdtbs
tbsdd mkrcb
mkrcbii

=. Jkrd pkrbwbtbg euidt skpkrtd pkgffugbbg Ckgf`dibgfebg ekekrdgfbg pbmb euidt mbg
ihtdhg rhjkebg pbmb euidt
;. Ibe
Ibeuebg
uebg pkrbwb
pkrbwbtbg
tbg iueb
iueb mkgfbg
mkgfbg tkegde
tkegde Ckgakfb` tkrnbmdgyb dgokesd
bskptde
?. Bgnurebg pbsdkg ugtue ckgnbfb bfbr eueu Ckgurugebg rksdeh akmkrb pbmb euidt hik`
tktbp pkgmke ebrkgb fbruebg
6. Ch
Chtd
tdvb
vbsd
sd eidk
eidkg
g ugt
ugtue
ue cbeb
cbebg
g cbeb
cbebgb
gbg
g Cbebgbg ]E]\ mbpbt ckcjbgtu
]E]\ pkgykcju`bg nbrdgfbg euidt ybgf rusbe

a. Ekikib`bg
Ekikib`bg jkr`ujugfbg
jkr`ujugfbg mkgfbg ehgmdsd
ehgmdsd oodsde
dsde ybgf eurbgf
]unubg > sktkib` mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg mbpbt tkrbtbsd
Erdtkrdb `bsdi pbsdkg tkrmbpbt >
- Ckgf
Ckgfdmdmkg
kgtd
tdod
odebs
ebsdd phib
phib ekikt
ekiktd`
d`bg
bg sktd
sktdbp
bp `brd
`brd
- Ckgfdm
Ckgfdmkgt
kgtdo
dodebs
debsdd tbgmb
tbgmb mbg fknbib
fknbib pkgdf
pkgdfebt
ebtbg
bg betdvd
betdvdtbs
tbs pkgybe
pkgybedtdt ybgf
ybgf
ckcpkgfbru`d thikrbgsd betdvdtbs
- Ckgf
Ckgfugf
ugfeb
ebpeb
pebg g pkgd
pkgdgf
gfeb
ebtb
tbg
g tdgfe
tdgfebt
bt kgkr
kgkrfd
fd
- Ckguun
Ckguunueb
uebg g pkrjbdeb
pkrjbdebgg ekcbcpubg
ekcbcpubg ugtueugtue jkrpbrt
jkrpbrtdsd
dsdpbs
pbsdd mbibc
mbibc betdvdtb
betdvdtbss ybgf
mddgfdgebg
 ]dgmbebg / dgtkrvkgsd Zbsdhgbi
Cbgmdrd
2. Mdseusdebg ekjutu`bg bebg betdvdtbs. Jubt \kgmdmd
\kgmdmdebg
ebg mbpbt
mbpbt ckcjkr
ckcjkrdeb
debg
g chtdvb
chtdvbsd
sd
nbmwbi pkrkgabgbbg mbg dmkgtdodebsd ugt
ugtue
ue ckgd
ckgdgf
gfebt
ebteb
ebg
g td
tdgfe
gfebt
bt be
betd
tdvd
vdtb
tbss
betdvdtbs ybgf ckgdcjuiebg ekikib`bg. cksedpug eidkg sbgfbt ikcb`.
:. Mds
Mdseus
eusdeb
debg
g pkgykjb
pkgykjbj
j ekiktd
ekiktd`bg
`bg skpkrt
skpkrtdd Mkgfbg ckgfktb`ud pkgykjbj
pkgykjbj ekiktd`bg,
ekiktd`bg,
gy
gykr
krdd skgm
skgmd,
d, pkgur
pkgurugb
ugbg
g ko
kods
dsdk
dkgs
gsdd tdmu
tdmur,
r, mbpbt ckgyusug nbmwbi betdvdtbs.
pkgdgfebtbg upbyb ybgf mdpkriuebg ugtue
BMI.
1. Jbg
Jbgtu
tu ckgfdm
ckgfdmkgt
kgtdvd
dvdebs
ebsdd phib
phib kgkrfd
kgkrfd mbg Ckgfdmkgtdodebsd wbetu pugabe kgkrfd mbg
jubt rkgtbgf ekiktd`bg. Qebib <-2<
< -2< (<3tdmbe ekikib`bg ckcjbgtu mbibc ckrkgabgbebg
ikib`, 2<3 sbgfbt ekikib`bg) bedvdtbs ugtue ckcbesdcbiebg ehgskrobsd
kgkrfd mbg prhmuetdvdtbs.
=. Jkrdebg betdvdtbs bitkrgbtdo mkgfbg pkrdhmk Ckgakfb` ekikib`bg ybgf jkrikjd`.
dstdrb`bt ybgf aueup/ tbgpb mdfbgffu.
;. \bgtbu gbmd , orkeukgsd gbobs, skrtb tkebgbg Ckgfdg
Ckgfdgmde
mdebsd
bsdebg
ebg tdgfebt
tdgfebt betdvd
betdvdtbs
tbs ybgf
ybgf
mb
mbrb
rb`
` skjk
skjkiu
iuc
c mb
mbg
g sk
skumb
umb`
` ckib
ckibeue
euebg
bg mbpbt mdthikrbgsd skabrb odsdhihfds.
betdvdtbs.
?. ]d
]dgf
gfeb
ebttebg
ebg pbrt
pbrtddsdpb
sdpbssd eid
eidkg mbib
mbibc
c Ckc
Ckcugfe
ugfedge
dgebg
bg ekpkrab
ekpkrabybb
ybbg
g mdrd/
mdrd/ `brfb
`brfb
ckib
ckibeue
euebg
bg betd
betdvd
vdtb
tbss sk
sk`b
`brd
rd-`
-`br
brdd sk
sksu
subd
bd mdr
mdrdd ybgf phsdtd
phsdtdoo sksubd
sksubd tdgfeb
tdgfebtt betdvd
betdvdtbs
tbs
ekjutu`bg. ybgf mbpbt mdthikrbgsd.
6. Bnbre
Bnbrebg
bg ugtue ckgfdmkgtdodeb
ckgfdmkgtdodebsd
sd tbgmb mbg Ckcjbgtu mbibc ckgfbgtdsdpbsd
fk
fknb
nbib
ib yb
ybgf
gf ckgu
ckgugn
gnue
ueebg
ebg pkgdg
pkgdgfeb
febtb
tbg
g tkrnbmdgyb ekiktd`bg ybgf jkrikjd`bg.
betd
betdvd
vdttbs pkgy
pkgybe
beddt mbg
mbg ck
ckgf
gfur
urbg
bgfd
fd

betdvdtbs, skpkrtd mkcbc, pkgurugbg jkrbt

jbmbg, ekiktd`bg cbedg ckcjurue.

m. Zksdeh tdgffd dgokesd

dgokesd jkr`ujugf
jkr`ujugfbg
bg mkgfbg
mkgfbg fiuehsb
fiuehsb mbrb`
mbrb` ybgf tdgffd
tdgffd
]unubg > sktkib` mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg tdmbe tkrnbmd tbgmb-
tbgmb dgokesd
Mkgfbg erdtkrdb `bsdi>
- ]dmbe
]dmbe bmb
bmb rujhr
rujhr , ebihr
ebihr,mh
,mhihr
ihr,, tuchr
tuchr,, ougfs
ougfsdhi
dhiksd
ksdbb
- ]krnbm
]krnbmdd pkrujb
pkrujb`bg
`bg fbyb
fbyb `dmup
`dmup ckga
ckgakfb`
kfb` tkr
tkrnbm
nbmdgy
dgybb dgoke
dgokesd
sd
 Zkgabgb / dgtkrvkgsd Zbsdhgbi
Cbgmdrd
2. Hj
Hjsk
skrrvbs
vbsd tbgmb
bgmb--tb
tbgm
gmbb dgoke
gokesd
sd mbg
mbg \b
\bsd
sdkg
kg cugf
cugfed
edg
g cbsu
cbsue
e mk
mkgf
gfbg
bg dg
dgok
okes
esdd
pkrbmbgfbg spkrtd mkcbc, ekckrb`bg, ybgf jdbsbgyb tkib` ckgaktusebg ekbmbbg
bm
bmbgy
bgybb pu
puss pb
pbmb
mb iueb
iueb,, sp
sput
utuc
uc purui
puruikg
kg,, ekthbsdmhsds btbu mbpbt ckgfbibcd dgokesd
urdgk wbrgb ekru` btbu jkrebjut. ghshehcdbi.
:. ]d
]dgfe
gfebt
btebg
ebg upbyb
upbyb pkgak
pkgakfb
fb`bg
`bg mkgfb
mkgfbg
g Ckgakfb` tdcjuigyb dgokesd ghshehcdbi.
ckib
ckibeue
euebg
bg au
auad
ad tb
tbgf
gfbg
bg ybgf
ybgf jb
jbde
de pb
pbmb
mb
skcub
skcub hrbgf
hrbgf ybgf jkr`uj
jkr`ujugfb
ugfbg
g mkgfbg
mkgfbg
pbsdkg tkrcbsue pbsdkggyb skgmdrd.
1. \krtb`bgebg tkegde bskptde pbmb prhskmur Ebmbr
Ebmbr fiuehs
fiuehsbb ybgf
ybgf td
tdgffd
gffd mbibc
mbibc mbrb`
mbrb`
dgvbsdo. be
bebg
bg ckgn
kgnbm
bmdd ckmm
ckmmddb tk
tkrrjbde
jbde mbi
mbibc
pkrtucju`bg eucbg.
=. Jkr
Jkrdeb
debg
g pkrbwb
pkrbwbtbg
tbg euidt
euidt mkgfbg
mkgfbg tkrbtu
tkrbturr Qdre
Qdreui
uibs
bsdd pk
pkrd
rdok
okrr jd
jdsb
sb tk
tkrf
rfbg
bgff
ffu
u mb
mbg
g
mb
mbg
g su
sugff
gffu`
u`-s
-sugf
ugffu
fu`,
`, cbsb
cbsbsk
sk mb
mbkr
krb`
b` ckg
ckgkcp
kcpbte
btebg
bg pbsdkg
pbsdkg pbmb pkgdgf
pkgdgfebt
ebtbg
bg
tuib
tuibgf
gf yb
ybgf
gf tk
tkrt
rtke
kebg
bg,, nb
nbfb
fb eu
euid
idtt tk
tktb
tbp
p rdsdeh tkrnbmdgyb ekrusbebg pbmb euidt.
ekrdgf, idgkg ekrdgf mbg tktbp ekgabgf.
;. Jk
Jkrd
rdeb
ebg
g tdsu
tdsukk mbg tk
tkcp
cpbt
bt sp
sput
utuc
uc pbmb
pbmb Ckgfurbgfd pkgykjbrbg dgokesd.
tkcpb
kcpbtt ybgf
ybgf cumb`
umb` mdn
mdnbgfe
bgfebu
bu ugtu
ugtue
e
pkgbcpugfbg sputuc btbu skarkt ybgf
ibdggyb.
Ehibjhrbsd
?. Ibeuebg pkckrdesbbg euitur mbg [gtue ckgfdmkgtdodebsd bmbgyb hrfbgdsck
skgsdtdodtbs sksubd mkgfbg dgmdebsd. sk`dgffb
sk`dgffb mbpbt ckcdid` btbu ckcjkrdebg
ckcjkrdebg

tkrbpd bgtdjdhtde ybgf tkrjbde.

6. Jkrdebg hjbt bgtdjdhtde ybgf sksubd \kgbgfbgbg bwbi mbpbt cbcjbgtu
ckgakfb` tdcjuigyb skpsds.

k. Zksdeh tkrnbmdgyb
tkrnbmdgyb jkr`ujugfbg
jkr`ujugfbg mkgfbg pkgurugbg
pkgurugbg pkgfid`btbg
pkgfid`btbg
]unubg > sktkib` mdjkrdebg
mdjkrdebg bsu`bg ekpkrbwbtbg md`brbpebg tdmbe tkrnbmd dgndgnurd
urd
Mkgfbg erdtkrdb `bsdi >
- Mbpbt
Mbpbt ckgugn
ckgugnueeb
ueebg g tkrnbmd
tkrnbmdgyb
gyb pkrujb`
pkrujb`bgbg pkrdib
pkrdibeu
eu ugtue
ugtue ckgurug
ckgurugebg
ebg obathr
obathr
rksdeh mbg ugtue ckidgmugfd mdrd mbrd admkrb
- Ckgfujb
Ckgfujb` ` idgfeug
idgfeugfbg
fbg sksud
sksud dgmd
dgmdebs
ebsdd ugtue
ugtue ckgdgf
ckgdgfebt
ebtebg
ebg ekbbc
ekbbcbgbg
bgbg
 Zkgabgb / Dgtkrvkgsd Zbsdhgbi
Cbgmdrd
2. @dgmbrebg ibgtbd ybgf idadg. Ibgtbd idadg mbpbt ckgykjbjebg rdsdeh
nbtu` pbmb pbsdkg.
:. Fugbebg jkm ybgf rkgmb`. Ckcpkrcumb` pbsdkg ugtue gbde mbg
turug mbrd tkcpbt tdmur.
1. Hrdkgtbsdebg eidkg mkgfbg rubgfbg. Ibgsdb mbyb dgfbtgyb sumb` ckgurug,
sk
sk`d
`dgff
gffbb md
mdpkr
pkriu
iueb
ebg
g hr
hrdk
dkgt
gtbs
bsdd ru
rubg
bgfb
fbg
g
bf
bfbr
br ibgs
bgsdb jd
jdsb
sb ckgyk
kgykssubd
ubdebg
ebg md
mdrrd
tkr`bmbp rubgfbg.
=. Jbg
Jbgtu
tu eidkg
eidkg mbibc
mbibc ckibeu
ckibeuebg
ebg betdvd
betdvdtbs
tbs Ibgsdb sumb` ckgfbibcd pkgurugbg mbibc
sk`brd-`brd odsde, sk`dgffb mbibc ckibeuebg betdvdtbs
sk
sk`b
`brd
rd md
mdpk
pkri
riue
uebg
bg jb
jbgt
gtub
ubg
g mb
mbrd
rd hr
hrbg
bgf
f
ibdgsksubd mkgfbg ybgf mbpbt mdthikrbgsd
;. Jbgtu pbsdkg mbibc bcjuibs
bsdd btbu Ekt
Ektkrj
krjbtb
btbsbg
sbg betdvd
betdvdtbs
tbs tkr
tkrfbgt
fbgtugf
ugf pbmb
pkrujb`bg phsdsd ehgmdsd ibgsdb.

MBO]BZ \[Q]BEB

Mhkgfks, Cbrdiyg K, Zkgabgb Bsu`bg Ekpkrbwbtbg \kmhcbg ugtue \krkgabgbbg mbg

\kgmheuckgtbsdbg \krbwbtbg \bsdkg kmdsd 1 bid`
b id` jb`bsb D Cbmk Ebrdbsb, Gd Cbmk Qucbrwbtd,
Nbebrtb > KFA, 2444.
Derbc, Bdgbi, Jueu Bnbr Dicu \kgybedt Mbibc > Mdbjktks Ckiidtus \bmb [sdb Ibgnut ndidm
ndidm D Kmdsd
ektdfb, Nbebrtb > OE[D, 244?.
Eus`brdybmd.:<2<.Bsu`bg Ekpkrbwbtbg pbmb Eidkg Ibgnut [sdb.Nbebrtb > Qbikcjb Ckmdeb
Iukaeghtk, Bggkttk Fkdsikr, \kgfebndbg Fkrhgthihfd bid` jb`bsb
j b`bsb Bgdke Cbryugbgd, Nbebrtb>KFA,
2446.
Cbry Jbrbmkrh, Cbry Vdiordm mbg Tbehjus Qdswbgmd. :<<4. Eidkg Fbgffubg Kgmherdg> Qkrd
Bsu`bg Ekpkrbwbtbg. Nbebrtb > KFA
Qckitzkr, Quzbggk A, Jrkgmb F jbrk, Jueu Bnbr Ekpkrbwbtbg Ckmdebi Jkmb` Jruggkr &
Qummbrt` Kmdsd 0 _hi : bid` jb`bsb @. T. Eugabrb, Bgmry @brthgh, Chgdab Kstkr, Tbscdg bsd`,
Nbebrtb > KFA, :<<:.
`ttp>//ikbrgthfkt`kr-brdks.jihfspht.ahc/:<22/<4/bsekp-fkrhgtde-mdbjktks-ckidtus.`tci8c32