ICBC_FDHY DM_ZH IMAAH@H

Gudfmr Kf`k Yikmma Jhpcrtbhdt

Acom, Icbcrfdhs Dmrth
Y.V. ?<?<-?<?3

ZKF_J SXC_ZH_
Yifhdih

Imdthdt Ytcdjcrj

Zkh ahcrdhrs jhbmdstrct

jhbmdstrcthh cd udjhrstcdjfd` mn7

vmaicdmhs nmudj fd tkh \kfafppfdhs
 ncitmrs tkct cnnhit iafbcth, cdj tkh hnnhits mn ikcd`fd` iafbcth cdj
cd j kmw tm cjcpt ciimrjfd`ay
 tkh rhactfmdskfp ohtwhhd tkh vfsfoah imdsthaactfmds fd tkh sey cdj Hcrtk‖s pmsftfmd camd` fts mroft

\hrnmrbcdih Ytcdjcrj

Zkh ahcrdhrs skcaa oh coah tm7

 pcrtfifpcth fd citfvftfhs tkct rhjuih rfses cdj ahsshd hnnhits
hnnhits mn iafbcth ikcd`h
 jfsiuss wkhtkhr mr dmt pmpuacr ohafhns cdj prcitfihs wftk rh`crj tm imdsthaactfmds cdj cstrmam`y kcvh
sifhdtfnfi ocsfs

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 3

 BMJXAH ;7 ^MAICDMHY
Ahssmd 3-?7
Fdtrmjuitfmd tm
Phhe 3 vmaicdmhs cdj Zyphs mn  Zhst 3-9 p` 8
^maicdmhs
Ahssmd 9-:7
Phhe ? ^maicdfi Hruptfmd cdj  Zhst 3-: p` >-0
Hdhr`y nrmb ^maicdmhs
BMJXAH 67 IAFBCZH
Ahssmd 3-97
Fdtrmjuitfmd tm  Imdihpt
Iafbcth5 Ncitmrs tkct Hvcauctfmd
Phhe 9 p` 3<

Cnnhit
@amocaIafbcth5
Iafbcth cdj
Ikcd`h By Zrcvha
Ormikurh
\khdmbhdmd
Phhe : 9rj \rhafbfdcry Hxcbfdctfmd
BMJXAH 3<7 YZC_Y CDJ IMDYZHAACZFMD
Ahssmd 37
 Zhst 3-? p` 3?
Ikcrcithrfstfis mn Ytcr
Phhe 8 Ahssmd ?7
Crrcd`hbhdt mn Ytcrs  Zhst 9-: p` 39
fd c @rmup
Phhe > Ahssmd 97 3-?  Zhst p` 3:
Ikcd`fd` \msftfmd mn  By Wmjfci
Phhe 0 Imdsthaactfmds \` 38
Yf`d
Phhe ; 9rj Jhpcrtbhdtca Hxcbfdctfmd

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 ?

 PHHE

Bmjuah ;7 ^MAICDMHY

Kcvh ymu phrsmdcaay ohhd tm Caocy mr Zc`cytcy= Kcvh ymu

citucaay shhd Bcymd ^maicdm mr Zcca ^maicdm= Kcvh ymu hvhr
shhd c afvh vmaicdfi hruptfmd= Kmw jfj tkct bceh ymu nhha= Fn
ymu kcvhd‖t, wmuajd‖t ymu wcdt tm shh cd hruptfd` vmaicdm fd
nuaa vfhw mr ct ahcst shh c rhca vmaicdm fd phrsmd= Kcvh ymu khcrj
comut tkh jcbc`h icushj oy tkh hruptfmd mn Bmudt \fdctuom
fd Wcbocahs=

^maicdfi hruptfmd fs dmt dhw fd tkh \kfafppfdhs cdj wh‖vh

kcj shvhrca hruptfmds fd tkh pcst jhicjhs. Pky jm c dubohr mn
c pcrtfiuacr typh mn vmaicdmhs hxfst fd tkh \kfafppfdhs= Fs ft
pmssfoah nmr vmaicdfi hruptfmds tm cnnhit mur iafbcth fd tkh
\kfafppfdhs mr mtkhr pcrts mn tkh wmraj= Pkct hxcitay crh tkh
ncitmrs tkct cnnhit tkh iafbcth mn c pacih= _hihdtay cdj fd tkh
pcst yhcrs, tkhrh kcs ohhd buik jfsiussfmd comut `amoca iafbcth ikcd`h cdj fts hnnhits. Kmw
icd `amoca iafbcth ikcd`h oh ohst imdtrmaahj= Zkhsh crh smbh mn tkh quhstfmds tkct ymu wfaa
dhhj tm nfdj tkh cdswhrs fd tkfs bmjuah.

Cnthr `mfd` tkrmu`k tkfs bmjuah, ymu wfaa oh coah tm7

m Jhsirfoh tkh jfnnhrhdt typhs mn vmaicdmhs cdj vmaicdfi hruptfmd.
m Hxpacfd wkct kcpphds wkhd vmaicdmhs hrupt. (Y6HY -FFFo-?;)
m Faaustrcth kmw hdhr`y nrmb vmaicdmhs bcy oh tcpphj nmr kubcd ush.
Y6HY ’FFFi-j-?6

BMJXAH BC\7

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 9

 PHHE
Ahssmd 3 ?7 Fdtrmjuitfmd tm ^maicdmhs cdj
Zyphs mn ^maicdmhs

Ahcrdfd` Imbphthdiy7
Jhsirfoh tkh jfnnhrhdt typhs mn vmaicdmhs cdj
vmaicdfi hruptfmd.

^maicdmhs crh c sf`kt tm ohkmaj. Out hvhd wftk tkhfr bc`dfnfihdt dcturca ohcuty, tkhy icd icush
shvhrh jcbc`h tm prmphrtfhs cdj kcrbnua hnnhits tm mur hdvfrmdbhdt afeh tkh mdhs tkct kcpphdhj tm mur
imudtry fd tkh pcst. Kcvh ymu hvhr wmdjhrhj wky wh kcvh c amt mn vmaicdmhs fd tkfs imudtry mr kmw
tkhsh vmaicdmhs whrh nmrbhj= Pky jm c dubohr mn c pcrtfiuacr typh mn vmaicdmhs hxfst fd tkh
\kfafppfdhs=
\kfafppfdhs= Aht‖s stcrt tkfs bmjuah oy `ctkhrfd` y
ymur
mur fjhcs comut vmaicdmhs.

\crts mn ^maicdm7 Zyphs mn ^maicdm7

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 :

 Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs ?3>-??0
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

ZHYZ37 Fjhdtfnfictfmd. Fjhdtfny tkh thrbs ohfd` rhnhrrhj tm fd hcik fthb. Prfth ymur
cdswhr md ymur cdswhr skhht.

3. Ft fs c pkhdmbhdmd md tkh surncih mn tkh hcrtk, wkhrh tkh `rmudjwcthr ohdhctk tkh
skcaamw surncih fs khcthj up udtfa ft hxpamjhs fd omfafd` wcthr.
?. Ft fs tkh pkysfica rhbmvca mn rmie mr whcrfd` jmwd mn acdjbcsshs oy `hmbmrpkfi c`hdt
suik cs ruddfd` wcthr.
9. Ft fs tkh mphdfd` mn tkh vmaicdm wkfik cd hruptfmd tcehs pacih.
:. Zkhsh crh rmies mr bc`bc hxphaahj nrmb c vmaicdm jurfd` hruptfmd.
8. Ft fs c ikcddha mr pfph imdvhyfd` afqufj bcthrfcas suik cs bc`bc.
>. Ft fs tkh kf`khst pmfdt mr cphx mn vmaicdm.
0. Ft rhnhrs tm tkh nrc`bhdthj bcthrfca tkct imdsfsts mn pubfih, simrfc, aftkfi bcthrfcas, mr
irystcas, mr imbofdctfmd mn tkh nmur.
;. Ft fs tkh acr`h udjhr`rmudj pmma mn afqufj rmie nmudj ohdhctk tkh Hcrtk‖s irust.
6. Ft fs c ocsfd-afeh jhprhssfmd mvhr c vhdt ct tkh subbft mn tkh imdh.
3<. Ft fs c ncst-bmvfd` iurrhdt mn kmt `cshs cdj rmie trcvhaafd` jmwdkfaa nrmb c vmaicdm.

ZHYZ ?7 Iacssfnfictfmd. Zhaa wkhtkhr tkh `fvhd hxcbpahs mr jhsirfptfmd sphifnfhs c

IF DJH _, IMB\M
IMB\MYFZH YFZH , YKF
YKF H AJ, ^MAICDF
^MAICDF I, YX\
YX\H
H _^MAICDM
_^MAICDM,, Y YXOBC_F
XOBC_F DH
mr YXO @ A C IF C A vmaicdm. CDYPH_ MDAV

3. Ft fs irhcthj wkhd bc`bc hrupts fd tkh udjhrwcthr nfssurhs mn tkh Hcrtk.

?. Zkhsh crh vmaicdmhs tkct prmjuihj tkh acr`hst hruptfmd.
9. imbbmday nmrb c ‑pfaamw acvc‒
:. tkh samph fs usucaay ohtwhhd ? < cdj 3<< nrmb tkh kmrfzmdtca prmjuifd` c nactthdhj jmbh
8. Ft fs imdsfjhrhj cs c thbpmrcry
th bpmrcry acdjnmrb camd` tkh `hmam`fi tfbh sicah.
>. icd icush gmeuakacups mr `rhct nammjs mn wcthr
0. Ft fs imdstruithj mn cathrdctfd` acyhrs mn pyrmiacstfi bcthrfcas cdj smafjfnfhj acvc namws.
;. Ft icd hghit acr`h vmaubh mn pyrmiacstfi bcthrfcas cdj kcs c kf`k bc`dftujh md tkh
^maicdm Hxpamsfvfty Fdjhx (^HF).
6. Ft fs prfbcrfay imbpmshj mn cdjhsfth, thpkrc cdj vmaicdfi csk.
3<. Hruptfmds mn tkfs typh crh rhactfvhay dmd-vfmahdt wkfik icd oh cttrfouthj tm tkh naufjfty
mn tkh ocscat acvc hghithj nrmb tkh vhdt

ZHYZ 97 Kmw Ncr Vmu Xdjhrstcdj= Fd ymur mwd wmrjs, cdswhr tkh nmaamwfd`
quhstfmds. Prfth ymur cdswhr md ymur cdswhr skhht.

3. Pkct fs tkh jfnnhrhdih ohtwhhd citfvh cdj fdcitfvh vmaicdm=

?. Pkct imdtrmas tkh skcph mn vmaicdm=
9. Pky jm vmaicdmhs jfnnhr fd sfzh=
:. Kmw jm vmaicdmhs crh ohfd` nmrbhj=

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 8

 PHHE ?
Ahssmd 9 :7 ^maicdfi Hruptfmd cdj Hdhr`y nrmb
^maicdmhs

Ahcrdfd` Imbphthdifhs7
Hxpacfd wkct kcpphds wkhd vmaicdmhs hrupt. (Y6HY -FFFo-
?;)
Faaustrcth kmw hdhr`y nrmb vmaicdmhs bcy oh tcpphj nmr kubcd
ush. Y6HY ’FFFi-j-?6
Ehy Zhrbs7
Yuojuitfmd -tkh sfjhwcys cdj jmwdwcrj bmvhbhdt
bmvhbhdt mn tkh hj`h mn c pacth
pacth mn tkh Hcrtk‖s
irust fdtm tkh bcdtah ohdhctk cdmtkhr pacth
Kmtspmt -fs c rh`fmd jhhp wftkfd tkh Hcrtk‖s bcdtah nrmb wkfik khct rfshs tkrmu`k tkh
prmihss mn imdvhitfmd.
Imdvhitfmd -crh tkh rhcitfmds tm tkh khct hdhr`y wftkfd tkh Hcrtk‖s imrh icusfd` c rhphcthj
rfsh cdj ncaa mn Hcrtk‖s prmphrtfhs. Ft casm pusk tkh afqufj bcthrfca fd tkh vmaicdm‖s
tuoh tmwcrj tkh Hcrtk‖s surncih.
Acvc -fs c kmt bmathd mr shbfnaufj rmie hrupthj nrmb c vmaicdm mr nfssurh, mr smafj
rmie rhsuatfd` nrmb immafd` mn tkfs. (bmathd rmie mutsfjh tkh vmaicdm)
Bc`bc -fs c bmathd rmie mr shbf-bmathd dcturca bcthrfca nrmb wkfik caa f`dhmus rmies
crh nmrbhj
Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs ??;-?:;
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

Zhst 37 Bctikfd` Zyph. Bctik tkh jhsirfptfmd fd imaubd C tm fts imrrhspmdjfd` vmaicdfi
bcthrfca fd imaubd O. Prfth tkh AHZZH_ CDJ ZKH PM_J mn ymur cdswhr md ymur cdswhr
skhht.

IMAXBD C IMAXBD O
3. Ft fs c jcre-imamrhj rmie imdtcfdfd` c acr`h cbmudt mn mafvfdh cdj c. jcifth

?. pyrmxhdh.
Zkhsh crh hxtrusfvh f`dhmus rmie wftk cd cpkcdftfi tm pmrpkyrftfi o. simrfc
thxturh.
9. Ft fs usucaay bhjfub- tm imcrsh-`rcfdhj wftk c `rcdftfi thxturh. i. rkymafth
:. Zkhsh crh pcah, nfdh-`rcfdhj vmaicdfi rmie imbpmshj bcfday mn YfM? j. pyrmxhdfth
cdj fs fjhdtfnfhj oy fts `rcyfsk imamr cdj skcrp hj`hs.
hj `hs.
8. Zkhsh crh vmaicdfi rmie wftk c af`kt, nrmtky imdsfsthdiy juh tm tkh kf`k h. phrfjmtfth
vmaubh mn `cs ouooahs trcpphj fd tkh rmie cs ft immas cs acvc fs hghithj
nrmb c vmaicdm.
>. Ft fs jmbfdcdtay imbpmshj mn pac`fmiacsh nhajspcr. n. jfmrfth
0. Ft fs imdsfsts mn pac`fmiacsh cdj kmrdoahdjh mr mtkhr bcnfi bcthrfcas `. `coorm
kcvfd` c scat cdj phpphr-afeh cpphcrcdih.
;. Ft fs irhcthj wkhd bmathd bc`bc fs trcpphj ohdhctk
ohd hctk tkh surncih mn tkh k. mosfjfcd
Hcrtk cdj immas samway fdtm kmamirystcaafdh bcss.
6. Ft fs c `acss-afeh vmaicdfi rmie nmrbhj oy rcpfj smafjfnfictfmd mn acvc f. cdjhsfth
wftkmut irystcaafzctfmd.
3<. Ft fs c jmbfdcdt rmie typh nmudj fd fdtrusfvh f`dhmus rmies cssmifcthj g. pautmdfi
wftk mihcdfi irust.

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 >

 Zhst ?7 Iacssfnfictfmd. Zhaa wkhtkhr tkh `fvhd jhsirfptfmd hxhbpafnfhs c BC @B CZF
CZ F I,
\K_H CZMBC@BCZFI,
CZMBC@BCZFI, YXO@ACIF
YXO@ACIF CA, mr \K_H CZFI H _X\ZFMDY
_X\ZFMDY. Prfth ymur cdswhr md ymur
cdswhr skhht.

3. Ft fs imdsfjhrhj cs tkh bmst hxpamsfvh cdj pmwhrnua mn caa hruptfmds.

?. Zkhrh fs c oacstfd` mut mn nrc`bhdts mn prh-hxfstfd`
prh-hx fstfd` smafj rmie nrmb tkh vmaicdfi imdjuft.
9. Ft fs c typh mn hruptfmd tkct fs mnthd prhiursmrs mn bmrh hxpamsfvh hruptfmds.
:. sujjhday cdj hxphithjay cnthr c amd` phrfmj mn jmrbcdiy.
8. Zkfs typh mn hruptfmd miiurs ct crhcs mn kf`k
k f`k actftujh cdj kf`k catftujh.

Zhst97 Fjhdtfnfictfmd. Fjhdtfny tkh typhs mn `hmtkhrbca pmwhr pacdt ohfd` jhsirfohj fd
hcik fthb. Yhahit ymur cdswhr nrmb tkh wmrjs fdsfjh tkh omx cdj wrfth ft md ymur cdswhr
skhht.

Jry Ythcb \mwhr \acdt Nacsk Ythcb \mwhr \acdt

Ofdcry Iyiah \mwhr \acdt

3. Zkfs typh mn pmwhr pacdts wcs tkh nfrst typh tm oh jhvhamphj fd Ftcay cdj fs stfaa ohfd` ushj tmjcy ct
tkh `hyshrs fd Icafnmrdfc.
?. Zkfs typh mn pmwhr pacdt jmhs dmt ush wcthr mr sthcb tm turd tkh turofdh oacjhs nmr pmwhr `hdhrctfmd.
<
9.
:. Ft imbbmday
Zkfs ushs cpacdt
typh mn pmwhr bmjhrcth thbphrcturh wkfik
ushs kyjrmtkhrbca naufjsfssuik
cpprmxfbcthay
cs sthcb fd 3<0.?-?<8 I. cs ft imbhs nrmb
tkh scbh nmrb
tkh `rmudj.
8. Fd tk
tkfs
fs t h mn mwhr
mwhr acdt
acdt wcthr
wcthr fs ub hj nrm
nrmb
b tkh
tkh rhsh
rhshrv
rvmf
mfrr ud
udjh
jhrr kf k rhss
rhssur
urh.
h.

Zhst :7 Yhquhdifd`. Ytcthj ohamw crh tkh prmihjurhs md kmw tm trcp cd hdhr`y nrmb
udjhr`rmudj tm ohimbh c kubcd ush. \ut dubohrs 3-3< md tkh spcih prmvfjhj ohnmrh tkh
stcthbhdt tm skmw tkh prmphr prmihss fd kcrdhssfd` cdj utfafzfd` tkh hdhr`y hnnhitfvhay.
Impy cdj cdswhr tkh stcthbhdts md ymur cdswhr skhht.

]]]]]]]]] @hmtkhrbca naufj prmvfjhs rmtctfmdca mr bhikcdfica hdhr`y tm turd tkh turofdh oacjh md c
skcnt.
]]]]]]]]] Hahitrfica iurrhdt fs trcdsbftthj mvhr pmwhr afdhs tm kmbhs.
]]]]]]]]] _mtctfmdca hdhr`y nrmb tkh turdfd` turofdh skcnt fs utfafzhj tm spfd tkh bc`dhts fdsfjh c
acr`h imfa.
]]]]]]]]] Zurofdh cdj `hdhrctmr crh ushj tm imdvhrt `hmtkhrbca hdhr`y tm hahitrfica hdhr`y.
]]]]]]]]] C prmjuitfmd whaa fs jrfaahj fdtm c `hmtkhrbca rhshrvmfr.
]]]]]]]]] Kmt prhssurfzhj `hmtkhrbca naufj fs caamwhj tm `hdhrcth rcpfjay.
]]]]]]]]] Fdghitfmd whaa fs jrfaahj tm caamwhj tkh rhturd mn ushj `hmtkhrbca naufjs tm tkh `hmtkhrbca
rhshrvmfr.
]]]]]]]]] Hahitrfica iurrhdt nrmb `hdhrctmr fs shdt tm c sthp-up trcdsnmrbhr mutsfjh tkh pmwhr pacdt.
]]]]]]]]] Kmt `hmtkhrbca naufjs namw tkrmu`k pfphs tm c pmwhr pacdt nmr ush fd `hdhrctfd`
hahitrfifty.
]]]]]]]]] ^matc`h fs fdirhcshj fd tkh trcdsnmrbhr.

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 0

 PHHE 9
Bmjuah 67 IAFBCZH

Kubcd citfmds icd fdnauhdih tkh iafbcth ohicush

tkh himdmby cdj tkh hdvfrmdbhdt crh fdthrjhphdjhdt. Fd
spfth mn tkh frrh`uacr ohkcvfmur md c jcfay ocsfs,
moshrvctfmds skmw tkct tkhrh fs smbh amd`-tfbh rh`uacrfty
fd tkh ohkcvfmur mn tkh ctbmspkhrh. Iafbcth fs tkhd
jhnfdhj cs tkh cvhrc`h whctkhr, `hdhrcaay mvhr c phrfmj mn
tkfrty yhcrs.

Zkfs bmjuah nmiushs sphifnficaay md tkh iafbcth systhb cdj tkh iafbcth
sifhdih ohkfdj iafbcth ikcd`h. Oy rhvfhwfd` ehy pmfdts, tkfs bmjuah khaps ymu
tm udjhrstcdj kmw tkh iafbcth systhb wmres, wky iafbcth ikcd`h miiurs, cdj
kmw kubcds fdjuih iafbcth ikcd`h. Zkfs casm skmws hbpfrfica hvfjhdih
pmfdtfd` tmwcrjs tkh hxfsthdih mn kubcd-fdjuihj iafbcth ikcd`h, cdj
jfsiusshs iafbcth-ikcd`h-rhacthj fbpcits tkct icd carhcjy oh moshrvhj tmjcy.

Zm imdiaujh,
jfsiusshs tkh bmjuah
tkh cdtfifpcthj mutafdhs
fbpcits jfnnhrhdt
mn iafbcth sihdcrfms nmr tkh nuturh cdj
ikcd`h.

Cnthr `mfd` tkrmu`k tkfs bmjuah, ymu wfaa oh coah tm7

m Hxpacfd kmw jfnnhrhdt ncitmrs cnnhit tkh iafbcth mn cd crhc. (Y6HY ’
FFFh-9<)
m Jhsirfoh ihrtcfd iafbctfi pkhdmbhdc tkct miiur md c `amoca ahvha.
(Y6HY ’FFFn-93)

BMJXAH BC\

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 ;

 PHHE 9
Ahssmd 3 97 Fdtrmjuitfmd tm Iafbcth5 Ncitmrs tkct
Cnnhit Iafbcth5 cdj @amoca Iafbcth Ikcd`h
\khdmbhdmd

Ahcrdfd` Imbphthdifhs7
 Hxpacfd kmw jfnnhrhdt ncitmrs cnnhit tkh iafbcth mn cd crhc. (Y6HY ’
FFFh-9<)
 Jhsirfoh ihrtcfd iafbctfi pkhdmbhdc tkct miiur md c `amoca ahvha.
(Y6HY ’FFFn-93)

Pkct fs whctkhr= Kmw jmhs ft jfnnhr nrmb tkh thrb iafbcth= Phctkhr cdj
iafbcth cnnhit phmpah cdj tkh hdvfrmdbhdt5 khdih ft fs fbpmrtcdt tkct ymu edmw
tkh ncitmrs tkct cnnhit hcik imdjftfmd

Ehy Zhrbs7
Phctkhr -rhnhrs tm tkh jcy-tm-jcy thbphrcturh cdj prhifpftctfmd citfvfty fd tkh
ctbmspkhrh.

Iafbcth -fs tkh cvhrc`h

Zkhsh mn caa
imdjftfmds cafdiaujh
a whctkhr imdjftfmds
cvhrc`h mn cd crhccfr
thbphrcturh, mvhr c amd` phrfmj
prhssurh, mn tfbh.
kubfjfty cdj
jcys mn sudskfdh nmr c phrfmj mvhr 9< yhcrs.
Actftujh -`hm`rcpkfi immrjfdcth tkct sphifnfhs tkh dmrtk-smutk pmsftfmd mn cppmfdt md
tkh surncih mn Hcrtk.
Pfdj -bmvfd` cfr
Iafbcth Ikcd`h -rhnhrs tm cdy sf`dfnficdt ikcd`h fd tkh bhcsurhs mn iafbcth acstfd` nmr cd
hxthdjhj phrfmj mn tfbh. Ft fdiaujhs bcgmr ikcd`hs fd thbphrcturh,
prhifpftctfmd, mr wfdj pctthrds, cbmd` mtkhr hnnhits, tkct miiur mvhr shvhrca
jhicjhs mr amd`hr.
@amoca -rhnhrs tm tkh rhihdt cdj md`mfd` rfsh fd `amoca cvhrc`h thbphrcturh dhcr
Pcrbfd` Hcrtk‖s surncih.

Ehy Imdihpt7
 Iafbcth iacssfnfictfmd systhbs crh wcys tm icth`mrfzh tkh wmraj‖s iafbcth.
 Iafbcth fs cnnhithj oy jfnnhrhdt ncitmrs, dcbhay, actftujh, mihcd iurrhdt, wfdj, hahvctfmd, rhafhn
cdj prmxfbfty tm wcthr.
 Iafbcth ikcd`h kcs cd fbpcit cdj tkrhcts. Ymbh bcgmr hnnhits mn iafbcth ikcd`h crh rfsfd`
thbphrcturh, skrfdefd` fih skhhts, shc ahvha rfsh, ofmjfvhrsfty jhpahtfmd, mihcd cifjfnfictfmd cdj
hxtrhbh whctkhr.
 Iafbcth ikcd`h bftf`ctfmd rhnhrs tm cdy citfmd nmiushj tm rhjuih tkh fdthdsfty mn rcjfctfvh
nmrifd` sm cs tm ahsshd tkh hnnhits mn `amoca wcrbfd`.
 Cd fdthrdctfmdca hdvfrmdbhdtca trhcty pmpuacray edmwd cs Xdfthj Dctfmds Nrcbhwmre
Imdvhdtfmd md Iafbcth Ikcd`h (XDNIII) dh`mtfcthj tm stcofafzh `rhhdkmush `cs imdihdtrctfmd
fd tkh ctbmspkhrh. Zkhy jhvhamphj prm`rcbs tkct tkhy ohafhvh imuaj bftf`cth tkh hnnhits mn
iafbcth. Khrh crh smbh7 fdirhcsfd` icromd shquhstrctfmd cdj imdshrvctfmd, ush mn ofmhdhr`y,
rhjuih nhrtfafzhr ush, cdchrmofi jf`hstfmd mn wcsth, cdj fbprmvhj hdhr`y hnnfifhdiy.

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 6

Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs ?8;-?;:
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj
hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

Imdihpt Hvcauctfmd

C. Fjhdtfnfictfmd7 Fjhdtfny tkh hdvfrmdbhdtca tkrhcts ohfd` jhsirfohj fd hcik sftuctfmd. Prfth ymur
cdswhr md ymur cdswhr skhht.

3. \kfafppfdhs hxphrfhdihj
hxphrfhdihj tkudjhrstmrbs cdj nammj fd bmst prmvfdihs juh tm hxtrhbh
Kcoc`ct.
?. Zkh cvhrc`h cdduca bhcd thbphrcturh fd tkh \kfafppfdhs fdirhcshj oy <.6 <I oy ?<?<
9. Fih pcie skrcde oy 80% ohtwhhd ?<<: cdj ?<<;.
:. \crts mn Ykcd`kcf, Ikfdc wcs carhcjy sudehd tkrhh bhthrs nrmb tkh shc
sh c skmrh.
8. Dhw Bhxfim, XYC cs pcrt mn tkh ifty kcvh ohhd suosfjfd` comut 6 bhthrs sfdih 363< juh
tm mvhr-pubpfd` mn `rmudjwcthr.

Bmjfnfhj Zruh mr Ncash. Prfth ‑Z_XH‒ fn tkh stcthbhdt fs imrrhit cdj fn ncash, wrfth tkh wmrj mr
pkrcsh tkct bcehs ft wrmd` cdj ikcd`h ft tm bceh tkh stcthbhdt truh.
>. Jurfd` subbhr, Critfi hxphrfhdihs imdtfdumus phrfmjs mn jcyaf`kt out tkh bmdtkay
thbphrcturh stru``ah tm rfsh comvh tkh nrhhzfd` pmfdt.
0. Pcthr `hts wcrb wkhd ft amshs khct tm tkh ctbmspkhrh hsphifcaay ct kf`k catftujhs.
;. Cs catftujh jhirhcshs, tkh imrrhspmdjfd` thbphrcturh casm jhirhcshs.
6. Dmrtk ncifd` samphs `ht amd`hr phrfmjs mn jcfay sudskfdh.
3<. Jhshrt iafbcths crh hxphrfhdihj wkhd prhvcfafd` wfdjs oamw mvhr acdj crhcs.
33. hnnhit.
3?. Hcrtk‖s kyjrmspkhrh cits afeh c oacdeht tkct trcps khct cdj sustcfds c kcoftcoah
thbphrcturh.
39. Juh tm `amocafzctfmd, wmraj nmrhst imdtfduhs tm jhpahth.
3:. Icromd jfmxfjh fs tkh bmst prhvcahdt mn tkh `rhhdkmush `cshs.
38. Dftrmus mxfjh rhahcsh fd tkh ctbmspkhrh ciiubuacth fd tkh strctmspkhrh cdj ohimbh
ictcaytfi c`hdt fd mzmdh jhpahtfmd.

Citfvfty7 By Zrcvha Ormikur

Ormikurhh

Zcse7 Md c skmrt omdj pcphr, irhcth trcvha ormikurh cjvhrtfsfd` c vcictfmd tm c sphifnfi ofmbh.
Vmur ormikurh bust fdiaujh tkh nmaamwfd`7
c. tkh ofmjfvhrsfty fd tkct crhc, skmw wkct efdj mn iafbcth jm tkhy kcvh
o. tkh udfquhdhss mn tkh pacih
i. tkh jfnnhrhdt hxphrfhdihs ormu`kt comut oy ofmtfi cdj cofmtfi ncitmrs fd tkct ofmbh
j. ymu bust casm skmw cwcrhdhss comut iafbcth ikcd`h fd ymur ormikurh

(Dmth7 Vmu icd ikmmsh cdy nrmb tkh nmaamwfd` ofmbhs7 jhshrt, ikcpcrrca, tudjrc, tcf`c,
thbphrcth jhifjumus nmrhst, trmpfica rcfdnmrhst, `rcssacdj, swcbps, icvh, nrhskwcthr, bcrfdh
ofmbh

Ytcdjcrjs7 Jfspacy, bhikcdfis cdj sphaafd`, acy mut, ciiurciy mn imdthdt cdj mvhr caa
cpphcrcdih

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 3<

 PHHE 8
Bmjuah 3<7 YZC_Y CDJ IMDYZHAACZFMD

Kcvh ymu hvhr wctikhj tkh iamujs jrfnt oy md c subbhr

jcy= Ft fs nud tm amme ct tkh iamujs cdj fbc`fdh tkhy kcvh skcphs
ncbfafcr tm ymu. Mdh bcy amme afeh c ncih. Vmu bcy shh c iamuj
tkct rhshboahs c rcooft mr c ohcr. \hmpah amd`
amd ` tfbh c`m jfj buik
tkh scbh tkfd` wftk pctthrds mn stcrs fd tkh sey. Zkhy dcbh
ihrtcfd `rmups mn stcrs icaahj imdsthaactfmd, cnthr cdfbcas, cdj
ikcrcithrs fd bytkmam`y mn ncbfafcr moghits.

Nrmb Hcrtk, c imdsthaactfmd ammes afeh c `rmup mn stcrs tkct crh rhactfvhay
iamsh tm mdh cdmtkhr. Fd bmst icshs, tkh stcrs fd c imdsthaactfmd kcvh dm
rhactfmdskfp tm hcik mtkhr.

Cnthr `mfd` tkrmu`k tkfs bmjuah, ymu wfaa oh coah tm7

m Ykmw wkfik imdsthaactfmds bcy oh moshrvhj ct jfnnhrhdt tfbhs mn tkh yhcr
usfd` bmjhas. (Y6HY ’FFFg-98)

BMJXAH BC\

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 33

 PHHE 8
Ahssmd 37 Ikcrcithrfstfis mn Ytcrs

Ahcrdfd` Imbphthdiy7
Ykmw wkfik imdsthaactfmds bcy oh moshrvhj ct jfnnhrhdt tfbhs mn
tkh yhcr usfd` bmjhas. (Y6HY ’FFFg-98)

Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs ?69-9<9
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj
hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

Zhst 37 Fjhdtfnfictfmd. Fjhdtfny tkh thrb ohfd` rhnhrrhj tm fd hcik fthb. Prfth ymur cdswhr
md ymur cdswhr skhht.

3. Ft fs tkh fbc`fdcry afdh trcihj oy tkh sud fd tkh sey.

?. Zkhsh crh stcrs wftk c bcss bmrh tkcd 3< 3 < tfbhs kf`khr tkcd tkct mn tkh sud.
9. Ft fs tkh thrb ushj tm jhsirfoh tkh orf`ktdhss mn c stcr tkct icd oh vfhwhj nrmb Hcrtk.
:. Ft phrtcfds tm tkh cituca orf`ktdhss mn tkh stcr.
8. Ft imdtcfds kmt, oauh, orf`kt stcrs fd tkh upphr ahnt cdj imma, rhj, jfb stcrs fd tkh amwhr rf`kt.

Zhst ?7 Bctikfd` Zyph. Bctik tkh jhsirfptfmd fd imaubd C tm fts imrrhspmdjfd` iacss mn
stcr fd imaubd O. Prfth tkh AHZZH_ CDJ ZKH PM_J mn ymur cdswhr md ymur cdswhr
skhht.

Imaubd C Imaubd O
3. Ft mrf`fdcthj nrmb mvhr jhdsh rh`fmd mn tkh udfvhrsh wkfik c. Ihpkhfj
imaacpsh wkhd tkh udfvhrsh stcrthj tm hxpcdj. vcrfcoah
?. Zkhsh crh dhutrmd stcrs nafiehrfd` wftk rcjfm puashs. o. Amd` phrfmj
vcrfcoahs
9. Zkhsh crh stcrs wkfik sujjhday ohimbh vhry orf`kt. i. Bhjfub-sfzhj
oacie kmahs
:. Zkhsh crh puasctfd` stcr wftk orf`ktdhss cdj thbphrcturh j. Bfdf-oacie
vcry ciimrjfd` tm c rh`uacr
rh`uacr pctthrd. kmahs
8. Zkhsh crh stcrs wkfik hxpamjhs vfmahdtay. h. Bmdsthr oacie
kmahs
>. Zkhsh stcrs crh rhsuathj nrmb tkh imaacpsh mn vhry bcssfvh n. Dhutrmd stcrs
stcrs.
0. Zkhsh stcrs crh jfsimvhrhj fd 36>< wkfik wcs imdsfjhrhj cs `. Dmvch stcrs
tkh strmd` smurihs mn rcjfm wcvhs.
;. Zkhsh crh tkh rhbdcdts mn bcssfvh stcrs tkct imaacpshj. k. \uascrs stcr
6. Zkhsh crh stcrs amicthj ct tkh ihdthr mn `cacxfhs. f. Sucscrs stcrs
3<. Zkhsh crh stcrs wkmsh orf`kt cdj jfb phrfmjs acst nmr 38< g. Yuphrdmvch
jcys mr bmrh. stcrs

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 3?

 PHHE 8
Ahssmd ?7 Crrcd`hbhdt mn Ytcrs fd c @rmups

Ahcrdfd` Imbphthdiy7
Ykmw wkfik imdsthaactfmds bcy oh moshrvhj ct jfnnhrhdt tfbhs mn tkh
yhcr usfd` bmjhas.
bmjhas. (Y6HY ’FFFg-98)

Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs ?3>-??3
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj
hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

Zhst 97 Bmjfnfhj Zruh mr Ncash. Prfth ‑Z_XH‒ fn tkh stcthbhdt fs imrrhit cdj fn ncash,
wrfth tkh wmrj mr pkrcsh tkct bcehs ft wrmd` cdj ikcd`h ft tm bceh tkh stcthbhdt truh.

3. Ft rhnhrs tm c `rmup mn stcrs

st crs tkct nmrbs c pcrtfiuacr skcph fd tkh sey.
?. Zkfs fs tkh stcr pctthrd tkct kcvh ohhd jfsimvhrhj out kcvh dmt ohhd mnnfifcaay fjhdtfnfhj
cs imdsthaactfmd.
9. Ft fs ushj tm stujy kmw stcrs crh nmrbhj cdj tkh imbpmsftfmd mn `cs ohtwhhd stcrs cdj
`cacxfhs.
:. Ft fs cd fdvfsfoah moghit wftk vhry pmwhrnua `rcvftctfmdca nmrih tkct hvhd af`kt icddmt
hsicph fts surncih.
8. Ft fs c rhnahitfd` thahsimph oufat cs cd mroftfd` moshrvctmry.

Zhst :7 Bctikfd` Zyph. Bctik tkh Actfd dcbh mn tkh imdsthaactfmds fd imaubd C tm fts
imrrhspmdjfd` Hd`afsk bhcdfd` fd imaubd O. Prfth tkh AHZZH_ CDJ ZKH PM_J mn
ymur cdswhr md ymur cdswhr skhht.

Imaubd C Imaubd O
3. \h`csus c. Ofrjs mn \crcjfsh
?. ^fr`m o. Nayfd` Nfsk
9. Bhdsc i. @mct
:. Mrfmd j. Bfirmsimph
8. Mpfuikus h. Dht
>. Crfhs n. _cb
0. Bfirmsimpfub `. Yhrphdt Ohcrhr
;. ^macds k. Ykfp‖s Imbpcss
6. Aupus f. Ywmrjnfsk
3<. \yxfs g. Zcoah Bmudtcfd
33. Jmrcjm e. Zkh Jrc`md
3?. _htfiuaub a. Zkh Kudthr
39. Icprfimrdus b. ^fr`fd
3:. Cpus d. Pfd`hj Kmrsh
38. Jrcimdhb m. Pman

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 39

 PHHE >
Ahssmd 97 Ikcd`fd` \msftfmd mn Imdsthaactfmds

Ahcrdfd` Imbphthdiy7
Ykmw wkfik imdsthaactfmds bcy oh moshrvhj ct jfnnhrhdt tfbhs mn tkh
yhcr usfd` bmjhas.
bmjhas. (Y6HY ’FFFg-98)

Vmu icd hxpamrh bmrh comut tkfs ahssmd oy rhcjfd` ymur thxtomme7 Yifhdih Afde 6 pc`hs 93?-936
Vmu icd casm vfsft www.icbcrfdhsdmrthimaah`hgks.imb/ nmr jhhphr udjhrstcdjfd`, vfjhms cdj
hxcbpahs.
Yhahit Bmjuahs 44 @rcjh 6 44 Zkfrj Sucrthr 44 Yifhdih

DMZH 7 J m tkhs
khsh citfvftfh
fvftfhss md c MDH PK MAH F DZH _ BH JF CZH \C\H
\C \H _ .

Zhst 37 Bmjfnfhj Zruh mr Ncash. Prfth ‑Z_XH‒ fn tkh stcthbhdt fs imrrhit cdj fn ncash,
wrfth tkh wmrj mr pkrcsh tkct bcehs ft wrmd` cdj ikcd`h ft tm bceh tkh stcthbhdt truh.

3. Hvhry tkrhh bmdtks, tkh Hcrtk trcvhas comut mdh nmurtk crmudj fts mroft.
?. Zkh jfnnhrhdih fd tkh twm smacr icahdjcrs fs icushj
ic ushj oy cd cstrmdmbfica pkhdmbhdmd
edmwd cs fdthrshitfmd.
9. Imdsthaactfmds icd oh shhd hvhry df`kt.
:. Ytcrs crh nfxhj md tkhfr pmsftfmd.
8. Acw mn Fdhrtfc icushs tkh bmmd cdj tkh sud tm puaa md tkh h hquctmrfca
quctmrfca oua`h.
>. Hvhd bmjhrd phmpah ushj imdsthaactfmd nmr rhaf`fmus purpmshs.
0. Crfstmtah wcs tkh nfrst wkm jfvfjhj tkh stcrs fdtm skcphs cdj `rmuphj tkhb.
;. \rfbftfvh phmpah ohafhvhj tkct @mj‖s wfaa fd rhsphit mn bcd cdj Kfs pmssfoah
udjhrtcefd`s icd oh rhvhcahj oy tkh bmtfmds mn khcvhday omjfhs.
6. Imdsthaactfmds mrf`fdcthj tkhfr dcbh nrmb bytkmam`fica khrmhs cdj ah`hdjs.
3<. Imdsthaactfmds whrh mdih ushj cs icahdjcr.

Zhst ?7 Fjhdtfnfictfmd. Fjhdtfny tkh imdsthaactfmd ohfd` jhsirfohj fd hcik stcthbhdt. Prfth
ymur cdswhr md ymur cdswhr skhht.

3. Zkhsh crh sbcaa jfb imdsthaactfmd wftk prhtty stcr iausthr.

?. Fts orf`kthst stcr fs Cdtcrhs.
9. Zkhsh crh sbcaa jfb imdsthaactfmd mrf`fdcthj fd Ocoyamdfc wkfik casm bhcds ‑tkh Yhc
@mct‒.
:. Zkhy whrh tkh twfd smds mn Whus.
8. Ft fs c vhry prmbfdhdt imdsthaactfmd wftk twm orf`kt stcr iausthrs.
>. Ft wcs c prfdih tm tkh Cssyrfcds.
Css yrfcds.
0. Zkhsh crh vhry ncfdt stcrs.
;. Zkhsh crh acr`h jfstfditfvh imdsthaactfmd tkct casm miiurs fd tkh stmry mn Khriuahs.
6. Ft fs tkh acr`hst imdsthaactfmd mn tkh zmjfci wftk Ypfic cs tkh orf`kthst stcr.
3<. Ft fs tkh mday dmd-afvfd` zmjfci imdsthaactfmd.

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 3:

 PHHE 0
Citfvfty7 By Wmjfci Yf`d

Moghitfvhs7 Zm hxpacfd tkh fbpmrtcdih mn imdsthaactfmd tm phmpah.

Jfrhitfmd7
3. Md tkh oacie pmrtfmd mn c 3/; faaustrctfmd omcrj, acy mut ymur zmjfci sf`d usfd`
sfavhr `aftthrs cdj acoha ft.
?. Md tkh wkfth pmrtfmd mn ymur faaustrctfmd omcrj, wrfth c 9-pcrc`rcpk hsscy mr c
9-stcdzc pmhb hxpacfdfd` tkh fbpmrtcdih mn imdsthaactfmd tm phmpah. Vmur
suppmrt wrfth ups bust cdswhr tkh nmaamwfd`7
c. Pkct icd ymu scy comut ymur zmjfci sf`d cdj kmrmsimph= Jm ymu ohafhvh ft=
o. Kmw jmhs kmrmsimph cnnhit tkh afvfd` mn tkh phmpah ohafhvfd` ft=
i. Hxpacfd tkh fbpmrtcdih mn imdsthaactfmd tm phmpah.

Ytcdjcrjs7 bhikcdfis cdj sphaafd`, mr`cdfzctfmd mn fjhcs, ciiurciy mn imdthdt, cdj mvhr caa
cpphcrcdih

YIFHDIH AFDEY PM_EZH[Z NM_ YIFHDZFNFI CDJ ZHIKDMAM@FICA AFZH_CIV 6 38