UHU 8
Emaek cnr Qbfarsthbfdbi
8. Cdjdpdbn bursas hra vary rajdidnus panpja, tmara ds h faap chdtm db Inf tmht ds racjaetaf
db tma axprassdnb nc ‚`hmhjh bh‟ (dt ds up tn Inf nr jahva dt tn Inf‟.) Ymdem eujturhj
httdtufa stdjj axdst ht prasabt tma‟ `hmhjh‟ systao.
 H. Dbenrraetjy
Dbenrraetjy aquhtaf wdtm hb axprassdnb
axprassdnb nc chthjdso hbf h phssdva heeapthbea
heeapthbea nc nr 
rasdibhtdnb tn chta.
@. Ohy hjsn hppjy tn heeapthbea nc djjbass nr ohjhfy.
E. Nparhtas psyemnjnidehjjy tn ajavhta nba—s enurhia hbf enbvdetdnb tn parsdst db tma
chea nc hfvarsdty hbf doprnva
F. Hjj nc tma h`nva
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Vmds tabfs tn `a dbenrraetjy aquhtafaquhtaf wdtm hb axprassdnb nc chthjdso
hbf h phssdva heeapthbea nc nr rasdibhtdnb tn chta. @hmhjh bh ohy hjsn hppjy tn
heeapthbea nc djjbass nr ohjhfy. Hjtmnuim dt ds hb dbfdehtdnb nc heeapthbea nc tma
bhtura nc tmdbis dbejufdbi nba—s nwb dbmarabt jdodthtdnbs, `hmhjh bh nparhtas
psyemnjnid
psyemn jnidehjjy
ehjjy tn ajavhta
ajavhta nba—s enurhia hbf enbvdetdnb tn parsdst
parsdst db tma chea nc 
hfvarsdty hbf doprnva nba—s sdtuhtdnb (Nkhourh & Hi`hyhbd, 8448).

0. Hb Hoardehb bursa trdas tn spahk wdtm h Knrahb ejdabt wmn ehbbnt ubfarsthbf tma
Abijdsm jhbiuhia. Vn accaetdvajy enooubdehta tn h ejdabt wdtm h fdccarabt jhbiuhia,
wmdem nc tma cnjjnwdbi smnujf tma bursa dopjaoabt>
 H. Mhva hb dbtarpratar
dbtarpratar tn trhbsjhta.
trhbsjhta.
@. Upahk sjnwjy.
E. Upahk jnufjy hbf ejnsajy tn tma ejdabt.
F. Upahk tn tma ejdabt hbf chodjy tniatmar.
HBUYAP7 H.
PHVDNBHJA7 Dt ds `attar tn hsk cnr majp crno h parsnb wmn ehb ubfarsthbf `ntm
jhbiuhias wajj sn tmht tmara wdjj `a bn odsenooubdehtdnb.

5. H bursa ds ehrdbi cnr h Emdbasa ejdabt wmn ds mnspdthjdzaf fua tn pbauonbdh. @hsaf
nb tmadr eujtura, wmdem nc tma cnjjnwdbi ds `ajdavaf tn `a tma ehusa nc tma djjbass>
 H. Hb djjbass
@. Hb djjbass ds
djjbass ds h
ehst
ehst `y hb
rasujt h
ncb pubdsmoabt
abaoy. cnr sdbs.
E. Hb djjbass ohy `a httrd`utaf tn nvaraxartdnb.
F. Hb djjbass ohy `a idvab `y snoanba wmn fdf bnt whbt dt.
HBUYAP7 E.
PHVDNBHJA7 Djjbass cnr Emdbasa panpja ohy `a httrd`utaf tn prnjnbiaf sdttdbi nr 
jydbi nr tn nvaraxartdnb.

6. Ymdem nc tma cnjjnwdbi cnnf dtaos wnujf `a hpprnprdhta cnr h Uavabtm Fhy Hfvabtdst
tn `a cnjjnwaf>
 H. Umrdop
Umrdop hbf oussajs.
oussajs.
@. @aac hbf pnrk.
E. Vubh hbf shjonb.
shjonb.
F. Emaasa hbf odjk
 

HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 UFHs
UFHs hrhra
a prnmd
prnmd`d
`dtaf
taf crno
crno tm
tma
a enbs
enbsuo
uopt
ptdn
dnb
b nc pnrk,
pnrk, smaj
smajjc
jcds
dsm,
m,
hjenmnj, enccaa hbf tah. Vma jnbiast-jdvaf Hfvabtdsts hra pasen-vaiathrdhbs. Vmay
aht pjhbt-`hsaf cnnf hbf up tn nba sarvdbi nc cdsm par fhy, onst nctab shjonb,
wajj kbnwb cnr dts mahrt-mahjtmy prnpartdas.

1. Ymab hssassdbi h phtdabt crno h fdccarabt eujtura, wmht ds tma onst dopnrthbt hrah tn
enbsdfar>
 H. Pajdidnus
Pajdidnus `ajdacs
`ajdacs
@. Jhbiuhia spnkab
E. Mahjtm \rhetdeas
F. Unedhj Nrihbdzhtdnbs
HBUYAP7 @.
PHVDNBHJA7 Jhbiuhia ds dopnrthbt tn fatarodba wmatmar tma bursa hbf phtdabt
ehb ubfarsthbf wmht tma ntmar ds shydbi. Dt ohy `a pnssd`ja tn cdbf hb dbtarpratar 
db tma avabt nc h jhbiuhia `hrrdar. Pajdidnus `ajdacs, mahjtm prhetdeas, hbf snedhj
nrihbdzhtdnbs hra hb dopnrthbt hrah nc eujturhj hssassoabt, `ut bnt tma onst
dopnrthbt.

3. Dfabtdcdehtdnb nc mahjtm rdsk db tma enooubdty ds h stap-db cnroujhtdbi enooubdty mahjtm

fdhibnsds. Ymdem nc tma cnjjnwdbi oatmnfs smnujf `a fnba `y tma pu`jde bursa tn `ast
chedjdthta tma dfabtdcdehtdnb nc mahjtm rdsk tmrahtabdbi tmds enooubdty>
 H. Pavdaw
Pavdaw vdthj sthtdstdes
sthtdstdes hvhdjh`ja
hvhdjh`ja
@. Utufy mahjtm eabtar raenrfs hbf rapnrts
E. Hssass enooubdty mahjtm rasnureas hbf dbfustrdas hvhdjh`ja
F. Chodjdhrdza wdtm pravhjabt jdcastyja nc tma panpja wdtmdb tma enooubdty
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7A7 H Enooub
Enooubdty dty Mahjtm
Mahjtm Bursa
Bursa onbdtn
onbdtnrsrs mahjtm
mahjtm `y onbdtn
onbdtnrdb
rdbi
i hbf
fataetdbi
fataetd bi tma prasabea
prasabea nc mahjtm enbearbs
enbearbs db tma enooubdty
enooubdty tmrnuim enbthets nr 
mnoa vdsdts, hbf raenrfdbi hbf rapnrtdbi mahjtm sthtus hbf prasabea nc mahjtm
prn`jaos db tma enooubdty tn cdiura nut tma rdsk tmrahtabdbi tma enooubdty.

9. Tnu hra ynu

enooubdty, tma smnujf
baw pu`jde mahjtm
baaf tn fn h7 bursa. Vn n`thdb 8<<% pnpujhtdnb enubt nc tma
 H. Nba tn nba dbtarvdaw
dbtarvdaw
@. Uurvay
E. Uhopjdbi nc tma pnpujhtdnb
F. Eabsus
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Hs tma baw pu`jde
pu`jde bursa, D smnujf cnjjnw h systaohtde
systaohtde prneass nc 
onbdtnrdbi tma mahjtm sthtus nc tma enooubdty tmrnuim tma enbfuet nc survays
hbf mnoa vdsdts. Eabsus survays, db wmdem ynu idva ynur survay quastdnbbhdra tn
avary oao`ar nc tma pnpujhtdnb ynu whbt tn jahrb h`nut.

=. Db nrfar tn rhdsa panpja—s hwhrabass nb ehbear pravabtdnb, tma cnjjnwdbi fhbiar sdibs
nc ehbear baaf tn `a fdssaodbhtaf.
 

 H. Qbaxpjhdbaf
Qbaxpjhdbaf hbaodh
hbaodh hbf wadimt jnss
jnss
@. Hjj tmasa irnups
E. Dbfdiastdnb hbf bhiidbi enuim
F. Emhbia db bnrohj `nwaj mh`dts hbf ubusuhj `jaafdbi nr fdsemhria
HBUYAP7 @.
PHVDNBHJA7 Db tma prasabt stufy, kbnwjafia nc bdba pnssd`ja whrbdbi sdibs nc 
ehbear tmht wara rapnrtaf adtmar db tma Aurnpahb Enfa Hihdbst Ehbear nr `y tma
ohgnr
ohg nr ehbear
ehbear nrihbd
nrihbdzhtd
zhtdnbs
nbs whs hssassa
hssassaf.f. Vmasa
Vmasa whr
whrbdb
bdbi
i sdibs
sdibs dbejuf
dbejufa7
a7 (h)
emhbias db `nwaj nr `jhffar mh`dts; (`) h snra tmht fnas bnt mahj; (e) ubusuhj
`jaafd
`ja afdbi
bi nr fdsemh
fdsemhria;
ria; (f) tmdeka
tmdekabdb
bdbi
i nr juop
juop db tma `rahst
`rahst nr ajsawm
ajsawmara;
ara; (a)
n`vd
n` vdnu
nus s emhb
emhbia
ia db h whrt
whrt nr onja
onja;; (c
(c)) bhii
bhiidb
dbi
i enui
enuim
m nr mnhr
mnhrsa
saba
bass
ss;; (i)
(i)
ubaxpjhdbaf jnss nc wadimt; (m) fdccdeujty db swhjjnwdbi, hbf (d) dbfdiastdnb.

4. Db tma yahr 8441, 09% nc hjj emdjfrab ubfar 1 wara ubfarwadimt hbf h`nut 1<% nc 
fahtms honbi emdjfrab ubfar 1 hra hssnedhtaf wdtm7
Ohjbutrdtdnb
 H. Ohjbutrdtdnb
@. Fdhrrmah
E. Fabqua
F. Ohjhrdh
HBUYAPU7 H.
PHVDNBHJA7 Db 8441, 09% (83= odjjdnb) nc hjj emdjfrab ubfar 1 wara ubfarwadimt.
Onrthj
Onr thjdty
dty rhtas
rhtas hra 1 tdoas
tdoas mdimar
mdimar honbi
honbi savara
savarajy
jy ubfarw
ubfarwadi
adimt
mt emdjfr
emdjfrab
ab tmhb
tm
tmns
nsa a nc bnro
bnrohjhj wadi
wadimt
mt.. H`nu
H`nutt 1<%
1<% nc fahtm
fahtmss honb
honbii emdj
emdjfr
frab
ab ubfa
ubfarr 1 hr
hra
a
hssnedhtaf wdtm ohjbutrdtdnb.

8<. Ymht invarbo

invarboabt
abt hiabey
hiabey ds raspnbs
raspnbsd`ja
d`ja tn ubfarth
ubfarthka
ka dbdtdhtd
dbdtdhtdvas
vas db mahjtm
mahjtm ehra
sarvdeas tmrnuim dbbnvhtdva hpprnhemas>
 H. Faphrtoabt
Faphrtoabt nc Uedabea hbf Vaembnjniy
Vaembnjniy
@. Faphrtoabt nc Jnehj Invarboabt
E. Faphrtoabt nc Mahjtm
F. Faphrtoabt nc Afuehtdnb
HBUYAP7 E.
PHVDNBHJA7
\mdjdppdb
\mdj as. Dt Faphrtoabt
dppdbas. nca Mahjtm
ds raspnbsd`ja
raspnbsd`j nr FNM
cnr absurdbi ds tma tn
heeass prdbedphj mahjtmmahjtm
`hsde pu`jde hiabey db tma
sarvdeas
tn hjj Cdjdpdbns tmrnuim tma prnvdsdnb nc quhjdty mahjtm ehra hbf raiujhtdnb nc 
prnvdfars nc mahjtm innfs hbf sarvdeas.
 

UHU 0
Emaek cnr Qbfarsthbfdbi
8. Ymdem honbi tma cnjjnwdbi ds trua tn \u`jde Mahjtm Bursdbi> (Uajaet hjj tmht hppjy)
 H. @ntm hra spaedhj
spaedhj cdajf nc bursdbi
bursdbi
@. @ntm hra eno`dbhtdnb nc bursdbi hbf snedhj skdjjs
E. \MB hbf EMB ehb `a usaf dbtaremhbiah`jy
F. Dt ds pu`jde sarvdea nrdabtaf
HBUYAP7 H., @., E., F.
PHVDNBHJA7 Enooubdty mahjtm bursdbi nr pu`jde mahjtm bursdbi ds h taro usaf
`y tmnsa
tmnsa bursa
bursas s wnrkd
wnrkdbibi tn
tnwh
whrf
rfs
s prnvd
prnvdfd
fdbi
bi mahj
mahjtm
tm hwhr
hwhrab
abas
ass,
s, traht
trahtoa
oabtbts,
s,
prnontdbi whys nc mahjtmy jdvdbi, hbf sarvdbi tma pu`jde mahjtm saetnr wdtm tmadr 
bursdbi skdjjs, ate.

0. Vma \MBs— raspnbsd`ja nc ehra ds tma7

 H. Ejdabt
Ejdabt
@. Chodjy
E. Enooubdty
F. Hjj nc tmasa
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7A7 Bursdb
Bursdbi
i sarvde
sarvdeas
as wdtmar
wdtmar sdbijy
sdbijy nr enjjh`
enjjh`nrht
nrhtdva
dvajy
jy tn dbfdvd
dbfdvdfuhj
fuhjs,
s,
chodjdas hbf enooubdtdas db hby mahjtm ehra sattdbi.

5. Vma cneus nc tma \MBs— hetdvdtdas ds7

\rdohry pravabtdnb
 H. \rdohry pravabtdnb
@. Eurhtdva
E. Pamh`djdthtdva
F. Hjj nc tmasa
HBUYAP7 F.
PHVDNBHJA7 ‚Vma utdjdzhtdnb nc tma bursdbi prneass db tma fdccarabt javajs nc 

ejdabtaja-d
ejdab
wd tm taja-dbfdvd
wdtm tma bfdvdfuhjs
tma pr
prnofuhjs,
nont
ntdn,b chodjdas,
dnb chodj
nc das,
mahj pnpujhtdnb
pnpuj
mahjtm
tm,
, prhtdnb
prav
avab
abtdirnups
irnup
tdnb s hbf
nb nc fdsa enooubdtda
enoou
fdsahs
hsa hbbdtdas,
a hbf fds,
f fdsh enbearbaf
enbearb
sh`d
`djd
jdty af
ty hbf
hbf
ramh`djdthtdnb‟, (Ohijhyh, at hj).

6. Ymdem nc tma cnjjnwdbi fnas bnt faserd`a hb ur`hb enooubdty>

 H. Mdimjy
Mdimjy fabsa db pnpujhtdnb
pnpujhtdnb
@. \anpja hra wajj-kbdt hbf mhvdbi mdim fairaa nc irnup caajdbi
E. Enopjax dbtarbhtdnbhj rajhtdnbsmdp
F. Bnb-hirdeujturhj neeuphtdnb
HBUYAP7 @.
PHVDNBHJA7 H rurhj enooubdty faserd`as panpja `y sdopja cnjk emhrhetardzaf `y
prdohry irnup rajhtdnbs wajj-kbdt hbf mhvdbi mdim fairaa nc irnup caajdbi.
 

1. Ymht
Ymht mahjt
mahjtm
m saetn
saetnrr hdos
hdos tn he
hemda
mdava
va tma mahjtm
mahjtm systa
systao
o inhjs
inhjs nc `atta
`attarr mahjt
mahjtm
m
nutenoas db tma \mdjdppdbas>
 H. \mdjdppdba
\mdjdppdba Mahjtm
Mahjtm Dbsurhbea
Dbsurhbea
@. Qbdvarshj Mahjtm Ehra
E. Mnoa mahjtm Ehra
F. Faphrtoabt nc Jh`nr hbf Aopjnyoabt

HBUYAP7
PHVD
PH VDNB
NBHJ @.
HJA7
A7 Db Gujy
Gujy 0<88
0<88,, tma
tma FNM
FNM dssu
dssuaf
af hbnt
hbntma
marr pnjd
pnjdey
ey nb jneh
jnehjj mahj
mahjtm
tm
fava
fa vajn
jnpo
poab
abtt tm
tmrn
rnui
uimm Hfod
Hfodbd
bdstr
strhtd
htdva
va Nrfa
Nrfarr B<.
B<. 0<88
0<88―<<
―<<<=,
<=, nutj
nutjdb
dbdb
dbi
i tm
tmaa
crhoawnrk cnr hb dbtarsaetnrhj hpprnhem tn suppnrt tma favajnpoabt nc ur`hb
mahjtm systaos db mdimjy ur`hbdzaf hbf rhpdfjy ur`hbdzdbi edtdas (Faphrtoabt nc 
Mahjtm, 0<88). Vn doprnva mahjtm systao nutenoas db suppnrt nc QME inhjs ds tma
pnjdey inhj, thkdbi dbtn enbsdfarhtdnb tma snedhj fatarodbhbts nc mahjtm db ur`hb
sattdbis hbf cneusdbi nb tma rafuetdnb nc mahjtm fdsphrdtdas honbi tma ur`hb
pnnr pnpujhtdnb.

3. Db tmds yahr, tma Chghrfn Het (Het Bn. 0813) erahtaf Uhbdthry Fdvdsdnbs.
 H.848<

@.8488
E.8480
F. 8408
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Dt whs
whs nb 8<80
8<80 tm
tmht
ht tm
tmaa \rasd
\rasdfa
fabt
bt nc tm
tma
a Uhbd
Uhbdth
thry
ry Fd
Fdvd
vdsd
sdnb
nb tn
tnnk
nk
emhria nc twn nr tmraa oubdedphjdtd
oubdedphjdtdas.
as. Ymara tmara wara bn pmysdedhbs hvhdjh`ja,
hvhdjh`ja,
ohja
ohj a bursas
bursas wara
wara hssdiba
hssdibaf
f tn parcnro
parcnro tma futdas
futdas nc tma \rasdf
\rasdfabt
abt,, Uhbdth
Uhbdthry
ry
Fdvdsdnb.

9. Vmasa semnnjs wara prdohrdjy dbtabfaf tn trhdb nb-Emrdstdhb wnoab hbf praphra tmao
tn rabfar sarvdea honbi tmadr panpja.
 H. \mdjdppdba
\mdjdppdba Iabarhj
Iabarhj Mnspdthj
Mnspdthj hbf
hbf Emnbi
Emnbi Muh Mnspdthj
Mnspdthj
@. Ehrfdbhj Uhbtns Oafdehj Eabtar hbf tma Oafdehj Edty
E. Qbdvarsdty nc Uhbtn Vnohs hbf Ohbdjh Fnetnr—s Mnspdthj
F. Who`nhbih Iabarhj Mnspdthj Uemnnj nc Bursdbi hbf @hiudn Iabarhj Mnspdthj
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Vwn invarboabt
invarboabt semnnjs
semnnjs nc bursdbi
bursdbi wara asth`jdsmaf7
asth`jdsmaf7 Who`nhbih
Who`nhbih
Iabarhjj Mnspdthj
Iabarh Mnspdthj Uemnnj nc Bursdbi db Odbfhbhn
Odbfhbhn hbf @hiudn
@hiudn Iabarhj
Iabarhj Mnspdthj
Mnspdthj db
Bnrtmar
Bnr tmarb
b Juznb.
Juznb. Vmasa
Vmasa semnnj
semnnjs
s wara
wara prdohr
prdohrdjy
djy dbtabf
dbtabfaf
af tn trhdb
trhdb nb-Emrd
nb-Emrdstd
stdhb
hb
wnoab hbf praphra tmao tn rabfar sarvdea honbi tmadr panpja.

=. Db wmht yahr fdf tma Uaetdnb nc \u`jde mahjtm Bursdbi whs enbvartaf dbtn Uaetdnb nc 
Bursdbi fua tn prassdbi baaf cnr iudfhbea bnt nbjy db pu`jde bursdbi sarvdeas `ut hjsn db
mnspdthj bursdbi hbf bursdbi afuehtdnb>
 H. 845<
 

@. 846<
E. 8460
F. 8466
HBUYAP7 H.
PHVDNBHJA7 Db 845<, tma Uaetdnb nc Bursdbi whs trhbscarraf crno tma Nccdea nc 
Iaba
Ia barh
rhjj Uarv
Uarvde
deas
as tn tm
tma
a Fd
Fdvd
vdsd
sdnb
nb nc Hfod
Hfodbd
bdst
strht
rhtdn
dnb.
b. Vmds
Vmds nc
nccd
cdea
ea enva
envaraf
raf tm
tma
a

su
supa
parv
rvds
dsdn
dnb
invarboabtb semnnjs
hbf
hbf iudf
iunc
dfhb
hbea
ea nc burs
bursdbi. bursas
as db tma
tma pr
prnv
nvdb
dbed
edhj
hj mnsp
mnspdt
dthj
hj s hbf
hbf twn
twn

4. Db wmht
wmht yahr
yahr fdf
fdf tma nccde
nccdea
a nc Mahjt
Mahjtm
m Afue
Afuehtd
htdnb
nb hbf
hbf \arsn
\arsnbb
bbaj
aj Vrhdb
Vrhdbdb
dbi
i wara
wara
asth`jdsmaf wdtm Fr. Vrdbdfhf Inoaz hs Emdac.
 H. 8410
@. 8415
E. 8411
F. 8430
HBUYAP7 @.
PHVDNBHJA7 Db 8415, tma Nccdea nc Mahjtm Afuehtdnb hbf \arsnbbaj Vrhdbdbi wara
asth`jdsmaf wdtm Fr. Vrdbdfhf Inoaz hs Emdac.

8<. Db wmht yahr fdf tma \mdjdppdba Mahjtm Uarvdeas whs h`njdsmaf>
 H.8439
@.8409
E.8490
F.8493
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Db 8409, tma nccdea nc Fdstrdet
Fdstrdet Bursdbi ubfar tma Nccdea nc Iabarhj
Dbspae
Dbspaetdn
tdnb,
b, \mdjdp
\mdjdppdb
pdba
a Mahjtm
Mahjtm Uarvde
Uarvdeas
as whs h`njds
h`njdsmaf
maf hbf suppjh
suppjhbtaf
btaf `y tma
saetdnb nc \u`jde Mahjtm Bursdbi. Os. Iabhrh fa Iuzohb hetaf hs enbsujthbt tn
tma Fdraetnr nc mahjtm nb bursdbi ohttars.
 

UHU 5
Emaek cnr Qbfarsthbfdbi
8. Db praphrdbi tn ravdaw fdccarabt tmanrdas, bursa @n``y ravdaws `hsde dbcnrohtdnb tn
hssdst db ubfarsthbfdbi tma ohtardhj. Vmanrdas hra facdbaf hs7
 H. Uthtaoabts
Uthtaoabts tmht
tmht faserd`a
faserd`a enbeapts
enbeapts nr enbbaet
enbbaet enbeapts
enbeapts
@. Oabthj cnroujhtdnbs nc n`gaets nr avabts
E. Hspaets nc rahjdty tmhb ehb `a enbsednusjy sabsaf
F. Enbeapts nr prnpnsdtdnbs tmht prngaet h systaohtde vdaw nc pmabnoabh
HBUYAP7 F.
PHVD
PH VDNB
NBHJHJA7
A7 Vma
Vma burs
bursas
as smnu
smnujf
jf usa
usa nrihb
nrihbdz
dzhtd
htdnb
nbhj
hj ra
rasn
snure
ureas
as db h cn
cneu
eusaf
saf
ohbbar, sn tmht tmay wdjj snjva tma prn`jao hbf ehb—t erahta baw prn`jaos hjnbi
tma why. Vma bursdbi prncassdnb mhs hfvhbeaf hbf wdtm dt sn mhs tma baaf tn
favajnp bursdbi tmanrdas tmht cnrohjdza tma sedabtdcde `hsa nc enooubdty mahjtm
bursdbi. Vma rdembass nc enooubdty mahjtm bursdbi enoas crno tma emhjjabia nc 
enbeaptuhjdzdbi hbf dopjaoabtdbi strhtaidas tmht wdjj abmhbea tma mahjtm nc tma
panpja.

0. Krdsty, h enooubdty mahjtm bursa ds wnrkdbi wdtm h vhrdaty nc ejdabts hbf faedfas tn
usa h Uystaos tmanry hpprnhem tn hssdst tmao tn oaat tmadr mahjtm ehra baafs. Db usdbi
tma Uystaos tmanry, bursa Krdsty cneusas nb tma7
 H. Ejdab
Ejdabt—s
t—s dbtarhetdnb
dbtarhetdnb wdtm
wdtm tma abvdrnboab
abvdrnboabtt
@. Mdarhremy nc tma ejdabt—s muohb baafs
E. Ejdabt—s httdtufas tnwhrf mahjtm `amhvdnrs
F. Paspnbsa nc tma ejdabt tn tma prneass nc irnwtm hbf favajnpoabt
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Vma chodjy mnoa hbf tma enooubdty
enooubdty hbf dts dbstdtutdnb
dbstdtutdnb ohka up dts
dooafdhta abvdrnboabt hbf hra tmaracnra dopnrthbt hspaets tn `a enbsdfaraf db
tma hssassoabt nc tma chodjy mahjtm sthtus. Vma bursa n`sarvas dbtarparsnbhj
rajhtd
rajhtdnbs
nbsmdp
mdpss honbi
honbi tma oao`ar
oao`ars s hbf hpprhd
hpprhdsas
sas tma pmysde
pmysdehjhj abvdrn
abvdrnboa
boabth
bthjj
enbfdtdnbs db tma mnoa.

5. Ymab hssassdbi tma axtarbhj vhrdh`jas tmht dbcjuabea h ejdabt—s mahjtm `ajdacs hbf
prhetdeas,
 H. bursa`hekirnu
Afuehtdnbhj
Afuehtdnbhj Odbfy oust
`hekirnubfbf enbsdfar mds7
@. Pajdidnus prhetdeas
E. Dbenoa sthtus
F. Pahetdnb tn tma mahrt fdsahsa
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Axta
Axtarbh
rbhjj vhrd
vhrdh`
h`ja
jas
s dbcj
dbcjua
uabe
bedb
dbi
i h parsn
parsnb—
b—s
s mahj
mahjtm
tm `ajd
`ajdac
acs
s hbf
hbf
prhetd
prh etdeas
eas dbejuf
dbejufaa chodjy
chodjy prhetde
prhetdeas,
as, eujturh
eujturhjj `hekir
`hekirnub
nubf,
f, hbf snedna
snednaenb
enbnod
nodee
chetnrs, suem hs dbenoa.
dbenoa. Aenbnode vhrdh`jas
vhrdh`jas ohy hccaet h ejdabt—s
ejdabt—s javaj nc mahjtm
`y dberahsdbi
dberahsdbi tma rdsk cnr fdsahsa hbf dbcjuabedbi
dbcjuabedbi mnw nr ht wmht pndbt
pndbt tma ejdabt
abtars
abt ars tma mahjtm ehra systao.
systao. H parsnb
parsnb—s—s enopjd
enopjdhbea
hbea wdtm tma trahto
trahtoabt
abt tn
ohdbthdb nr doprnva mahjtm hjsn ds hccaetaf `y aenbnode sthtus.

6. Db tma Mahjtm @ajdac Onfaj, bursa Emdhrh raenibdzas tmht tma cneus ds pjheaf nb tma7
 

 H. Cubetdnbdbi
Cubetdnbdbi nc
nc tma dbfdvdfuhj
dbfdvdfuhj db hjj fdoabsdnbs
fdoabsdnbs
@. Pajhtdnb nc pareaptdnbs hbf enopjdhbea wdtm tmarhpy
E. Pajhtdnb nc pareaptdnbs hbf enopjdhbea wdtm tmarhpy
F. Oujtdfdoabsdnbhj bhtura nc ejdabts hbf tmadr dbtarhetdnb wdtm tma abvdrnboabt
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7A7 Db tmtma
a Mahj
Mahjtmtm @ajd
@ajdac
ac Onfa
Onfaj,
j, tm
tma
a bursa
bursa cncneu
eusa
sas
s nb tm
tma
a rajht
rajhtdn
dnb
b
`atwaab h parsnb—s `ajdacs hbf mahjtm `amhvdnrs. @y cneusdbi nb tma ejdabt—s
pareaptdnbs nc mahjtm, tma bursa ds `attar h`ja tn ubfarsthbf hbf prafdet mnw h
ejdabt wdjj enopjy wdtm mahjtm ehra tmarhpdas.

1. Ymdem nc tma cnjjnwdbi ds tma onst `hsde typa nc mahjtm prnontdnb hetdvdty> (Uajaet hjj
tmht hppjy).
 H. H `djj`nhrf prnontdbi h`stdbabea
h`stdbabea tn pravabt saxuhjjy trhbsodttaf
trhbsodttaf fdsahsas hbf
ubpjhbbaf praibhbedas
@. H wajjbass hssassoabt prnirho
E. Hb abvdrnboabt enbtrnj prnirho h`nut pastdedfa usas
F. H bursa wmn onfajs mahjtmy jdcastyja `amhvdnrs
A. H semnnj nc bursdbi tmht mnjfs h `jnnf prassura chdr 
HBUYAP7 H., A.
PHVDNBHJA7
PHVDN BHJA7 Axhopjas
Axhopjas hra `djj`nhrfs,
`djj`nhrfs, pnstars, `rnemuras,
`rnemuras, bawsph
bawsphpars,
pars, `nnks,
`nnks,
hbf mahjtm chdrs. Dt rhdsas tma javaj nc hwhrabass hbf kbnwjafia nc dbfdvdfuhjs hbf
irnups h`nut mahjtmy `amhvdnrs.

3. Bursa Ohren ds prnvdfdbi mahjtm afuehtdnb h`nut dbgury hbf pndsnbdbi pravabtdnb tn h
ir
irnu
nupp nc yn
ynub
ubi
i ontm
ontmarars
s ht h mahj
mahjtm
tm chdr
chdr.. Ymht
Ymht typa
typa nc prav
pravab
abtd
tdnb
nb ds tma
tma burs
bursa
a
enbfuetdbi>
\rdohry
 H. \rdoh ry pravabtdnb
pravabtdnb
@. Uaenbfhry pravabtdnb
E. Vartdhry pravabtdnb
F. Jdodtaf pravabtdnb
HBUYAP7 H.
PHVD
PH VDNB
NBHJ
HJA7
A7 Iaba
Iabarhj
rhjdz
dzaf
af mahj
mahjtm
tm prnon
prnontd tdnb
nb hbf
hbf spaed
spaedcd
cde
e prnt
prntaet
aetdn
dnb
b hihd
hihdbs
bstt
fdsahsas nr spaedcde heedfabts hra thriataf tn h spaedcde irnup. Vmds dbtarvabtdnb
praeafas fdsahsa nr fyscubetdnb hbf ds hppjdaf tn iabarhjjy mahjtm irnup.

9. \abfar—s mahjtm prnontdnb onfaj wnujf `abacdt wmdem nc tma cnjjnwdbi ejdabts> (Uajaet
hjj tmht hppjy)
 H. Hb hetdva
hetdva 05-yahr-njf
05-yahr-njf wmn fnas
fnas bnt sonka
sonka nr frdbk
frdbk hjenmnj
hjenmnj
@. H 64-yahr-njf ejdabt wmn axaredsas cnur tdoas h waak
E. H 51-yahr-njf wmn mhs yahrjy `rahst axhos hbf ntmar rnutdba mahjtm seraabdbis
F. Hb nvarwadimt 09-yahr-njf wmn abihias db rdsky `amhvdnrs
HBUYAP7 @., E.
PHVDNBHJA7
PHVDN BHJA7 \abfar—s
\abfar—s Mahjtm \rnontdnb Onfaj axpjnras
axpjnras ohby `dnpsyemnsn
`dnpsyemnsnedhj
edhj
chetnrs tmht dbcjuabea dbfdvdfuhjs tn pursua mahjtm prnontdnb hetdvdtdas. Vma M\O
fapdets tma enopjax oujtdfdoabsdnbhj chetnrs wmdem panpja dbtarhet hs tmay wnrk
tn hemdava nptdouo mahjtm. Vmds onfaj enbthdbs savab vhrdh`jas rajhtaf tn mahjtm
 

`amhvdnrs hs wajj hs dbfdvdfuhj emhrhetardstdes tmht ohy dbcjuabea tmao hbf tmasa
twn hra axhopjas.

=. Ejdabt Ejdbt rapnrts tmht ma `ajdavas ma wdjj "bavar jdek tma mh`dt" nc sonkdbi `aehusa
ma mhs trdaf `acnra hbf chdjaf. Qsdbi tma Vrhbstmanratdehj onfaj (VVO), wmht sthia nc 
mahjtm `amhvdnr ds tma ejdabt cubetdnbdbi db>
 H. \raphrhtdnb
\raphrhtdnb sthia
sthia
@. Enbtaopjhtdnb sthia
E. Varodbhtdnb sthia
F. Hetdnb sthia
HBUYAP7 \raenbtaopjhtdnb Uthia
PHVDNBHJA7 Vma trhbstmanratdehj onfaj wmdem het hs eabtrhj iudfajdba tn pnsdtdva
mahjtm
mah jtm-`am
-`amhvd
hvdnr
nr emhbias,
emhbias, dbfdeh
dbfdehtaf
taf tmht
tmht dbfdvd
dbfdvdfuh
fuhjs
js wmn wara httaopt
httaoptdbi
dbi tn
emhbia tmadr mahjtm `amhvdnr odimt axpardabea h sardas nc sthias nc rahfdbass cnr 
emhbia, bhoajy7 praenbtaopjhtdnb (bnt dbtabfdbi tn ohka emhbias nr fabydbi
tma baaf cnr emhbia),
emhbia), enbtaopjhtd
enbtaopjhtdnbnb (sardnusjy
(sardnusjy enbsdfardbi
enbsdfardbi ohkdb
ohkdbii emhbias),
emhbias),
praphrhtdnb (ohkdbi sohjj emhbias), hetdnb (hetdvajy abihidbi db axaredsa cnr jass
tmhb 3 onbtms), hbf ohdbtabhbea (axaredsdbi raiujhrjy cnr ht jahst 3 onbtms) (Jaa
at hj., 0<<3).

4. Mnbay, h pu`jde mahjtm bursa enophras tma rhta nc taabhia praibhbey db vhrdnus
hrahs nc tma edty. Ymdem nc tma enra cubetdnbs nc pu`jde mahjtm ds `adbi dopjaoabtaf>
 H. Hssurhbea
Hssurhbea
@. Hssassoabt
E. \ravabtdnb
F. \njdey favajnpoabt
HBUYAP7 @.
PHVDNBHJA7 Hssassoabt racars tn systaohtde fhth enjjaetdnb, wmdem tmds bursa ds
fndbi cnr taabhia praibhbey. \ravabtdnb ds bnt h enra cubetdnb, hssurhbea ds
ohkdbi sura assabtdhj sarvdeas hra hvhdjh`ja, hbf pnjdey favajnpoabt ds baafaf
tn prnvdfa jahfarsmdp db favajnpdbi pnjdedas.

8<. Bursa Ijybbds parcnros hetdvdtdas tn oaat tma prdohry inhjs nc pu`jde mahjtm. Ymdem
nc tma cnjjnwdbi ds bursa Ijybbds onst jdkajy tn enopjata>
 H. Absurdbi
Absurdbi tmht h bawjy fdhibnsa
fdhibnsaff 6<-yahr-njf
6<-yahr-njf mypartabsd
mypartabsdva
va ohb thkas
thkas mds oafdehtdn
oafdehtdnb
b
@. Cdbfdbi mnoa ehra cnr h 9<-yahr-njf ejdabt raeuparhtdbi crno h mdp rapjheaoabt
E. Enbfuetdbi hb dbchbt ehr saht shcaty emaek
F. Enbthetdbi h jnehj mnspdea tn hfodt h tarodbhjjy djj 3<-yahr-njf wnohb
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Vma enrraet hbswar ds enbearbaf
enbearbaf wdtm tma mahjtm nc ohby panpja,
wmdja
wmdj a tma ntmar hbswars
hbswars hffrass
hffrass dbfdvdfuhj
dbfdvdfuhj dbtarvabtdnbs
dbtarvabtdnbs.. Heenrfdbi
Heenrfdbi tn tma Enra
Cubetdnbs
Cubetd nbs \rngaet,
\rngaet, hjj javajs nc mahjtm ehra, dbejufdbi
dbejufdbi pnpujhtdnb-`hsaf
pnpujhtdnb-`hsaf pu`jde
mahjtm ehra, oust `a cubfaf nr tma inhj nc mahjtm nc pnpujhtdnbs ohy bavar `a
rahemaf.
 

UHU 6
Emaek cnr Qbfarsthbfdbi
8. Ymdem dbtarvabtdnbs hra onst enoonbjy usaf `y pu`jde mahjtm bursas ehrdbi cnr 
chodjdas> Uajaet hjj tmht hppjy7
 H. Hfodbdstar
Hfodbdstar seraabdbi
seraabdbi tnnjs
tnnjs tn hjj
hjj oao`ars
@. Hppjy tma bursdbi prneass tn tma ehra nc dbfdvdfuhjs
E. Enjjh`nrhta hbf ennrfdbhta wdtm racarrhj hs baafaf
F. \rnvdfa mahjtm tahemdbi, dbejufdbi hbtdedphtnry iudfhbea
A. \hrtdedphta db enjjaetdbi fhth nb ejdabts cnr ejdbdehj rasahrem
HBUYAP7 @., E., F.,
PHVDN
PHV DNBHJ
BHJA7A7 Vma prafno
prafnodbhdbhbt
bt dbtarva
dbtarvabtd
btdnb
nb strhtai
strhtaidas
das usaf
usaf wdtm
wdtm chodj
chodjdas
das hra
prdohr
prdohry y ehra,
ehra, mahjtm
mahjtm tahemd
tahemdbi
bi (dbeju
(dbejufdb
fdbi
i hbtded
hbtdedpht
phtnry
nry iudfhb
iudfhbea),
ea), racarrh
racarrhj,
j, hbf
enjjh`
enj jh`nrh
nrhtdb
tdbi
i hbf ennrfd
ennrfdbht
bhtdbi
dbi ehra.
ehra. Ueraabd
Ueraabdbi
bi ehb `a parcnro
parcnroaf
af `y vhrdnus
vhrdnus
bursas,
bur sas, hs ehb ehra
ehra nc dbfdvd
dbfdvdfuh
fuhjs.js. Bursas
Bursas prn`h`
prn`h`jyjy ehbbnt
ehbbnt rasnjv
rasnjvaa enbcjd
enbcjdet,
et,
hjtmnuim tmay ohy majp chodjy oao`ars enpa wdtm enbcjdet. Enjjaetdbi fhth cnr 
rasahrem ehb `a fnba nbjy wdtm h ejdabt's parodssdnb.

0. Vma pu`jde mahjtm bursa oust phrtdedphta db tma assabtdhj sarvdeas nc pu`jde mahjtm.
Vmasa dbejufa7
h. Onbdtnrdbi mahjtm sthtus `y enopjatdbi h enooubdty hssassoabt
`. Fdhibnsdbi hbf dbvastdihtdbi mahjtm prn`jaos db tma wnrjf
e. Dbcnrodbi, afuehtdbi, hbf aopnwardbi panpja h`nut mahjtm dssuas
f. Ynrkdbi db jhw abcnreaoabt tn raiujhta mahjtm hbf absura shcaty
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Hs dbfapabfabt
dbfapabfabt prhetdtdnbars,
prhetdtdnbars, bursas hra prdohrdjy
prdohrdjy raspnbsd`ja
raspnbsd`ja cnr 
tma prnontdnb nc mahjtm hbf pravabtdnb nc djjbass. Hs oao`ars nc tma mahjtm taho,
bursa
bu rsas
s smhj
smhjjj enjj
enjjh`
h`nrh
nrhta
ta wdtm
wdtm nt
ntma
marr mahj
mahjtm
tm ehra
ehra prnv
prnvdf
dfars
ars cn
cnrr tm
tma
a eurht
eurhtdv
dva,
a,
pravabtdva, hbf ramh`djdthtdva hspaets nc ehra, rastnrhtdnb nc mahjtm, hjjavdhtdnb nc 
succardbi, hbf wmab raenvary ds bnt pnssd`ja, tnwhrfs h paheacuj fahtm.

5. Vma taro enooubdty-`hsaf bursdbi ehra ds hppjdaf wmab dopjaoabtdbi wmdem bursdbi
dbtarvabtdnb>
h. Hssassdbi tma mahjtm baafs nc h facdbaf enooubdty
`. \rnvdfdbi ehra tn chodjdas db h enooubdty
e. \rnontdbi tma mahjtm nc hb abtdra enooubdty
f. Dbvastdihtdbi abvdrnboabthj mahjtm prn`jaos db h enooubdty
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Bursdbi ehra dbejufas,
dbejufas, `ut bnt jdodtaf tn, trhfdtdnbhj
trhfdtdnbhj hbf dbbnvhtdva
dbbnvhtdva
hppr
hp prnh
nhem
emas,
as, tm
tmarh
arhpa
paut
utde
de usa
usa nc sajc
sajc,, axaeu
axaeutd
tdbi
bi mahj
mahjtm
tm ehra
ehra taem
taembd
bdqu
quas
as hbf
hbf
prneafuras, assabtdhj prdohry mahjtm ehra, enocnrt oahsuras, mahjtm tahemdbis,
hbf hfodbdstrhtdnb nc 
wrdt
wr dtta
tab
b pras
praserd
erdpt
ptdn
dnb
b cncnrr trahto
trahtoababt,
t, tmtmar
arhp
hpda
das,
s, nrh
nrhj,
j, tntnpd
pdehj
ehj hbf
hbf phra
phrabta
btarhj
rhj
oafd
oa fdeh
ehtd
tdnb
nbs,
s, dbdbtar
tarbh
bhjj axho
axhodb dbhtd
htdnb
nb furd
furdbibi jh`n
jh`nrr db tm
tma a h`sa
h`sabe
bea
a nc hbta
hbtabh
bhthj
thj
`jaafdbi hbf fajdvary.

6. Ymdem nc tma cnjjnwdbi faonbstrhtas dbtarsaetnrhj jdbkhias>

 

h. Vwn-why racarrhj systao

`. Vaho hpprnhem
e. Abfnrsaoabt fnba `y h odfwdca tn hbntmar odfwdca
f. Ennparhtdnb `atwaab tma \u`jde Mahjtm Bursa hbf pu`jde-semnnj tahemar 
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Dbtarsaetnrhj
Dbtarsaetnrhj jdbkhias
jdbkhias racar tn wnrkdbi
wnrkdbi rajhtdnbsmd
rajhtdnbsmdps
ps `atwaab tma
mahjtm saetnr hbf ntmar saetnrs dbvnjvaf db enooubdty favajnpoabt.

1. Ymdem nc tma cnjjnwdbi hetdnbs wnujf onst jdkajy `a parcnroaf `y h pu`jde mahjtm
bursa>
h. Hskdbi enooubdty jahfars wmht dbtarvabtdnbs smnujf `a emnsab
`. Hssassdbi tma enooubdty hbf faedfdbi nb hpprnprdhta dbtarvabtdnbs
e. Qsdbi fhth crno tma ohdb mahjtm ehra dbstdtutdnbs db tma enooubdty tn fatarodba
baafaf mahjtm sarvdeas
f. Ynrkdbi wdtm enooubdty irnups tn erahta pnjdedas tn doprnva tma abvdrnboabt
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7
A7 H pu`jde
pu`jde mahjtm
mahjtm bursa
bursa oust
oust asth`j
asth`jdsm
dsm jdbkhi
jdbkhias
as wdt
wdtmm enooub
enooubdty
dty
rasnureas hbf ennrfdbhtdnb wdtm tma mahjtm taho.

3. Vma enooubdty mahjtm bursa hsks h ejdabt, "Mhva ynu avar `aab axpnsaf tn hby
rhfdhtdnb nr emaodehj jdqudfs, fust, odsts, nr cuoas>" Vma bursa ds enbfuetdbi hb7
h. Abvdrnboabthj hfvnehey hetdvdty
`. Abvdrnboabthj enopjdhbea hetdvdty
e. Abvdrnboabthj mahjtm hssassoabt
f. Abvdrnboabthj rdsk enooubdehtdnb
HBUYAP7 E.
PHVDNBHJA7 Hb abvdrnboabthj rdsk hssassoabt (APH) ds h prneass cnr avhjuhtdbi
mnw jdkajy dt ds tmht tma abvdrnboabt ohy `a dophetaf hs h rasujt nc axpnsura tn
nba nr onra
onra abvdrn
abvdrnboa
boabthj
bthj strassn
strassnrs,rs, suem
suem hs ema
emaode
odehjs
hjs,, fdsahs
fdsahsa,
a, dbvhsd
dbvhsdva
va
spaedas, hbf ejdohta emhbia.

9. Ymdem pu`jde mahjtm bursdbi hetdnbs ohy `a onst majpcuj tn tma enooubdty's jnbi-
taro mahjtm>
h. Ehracuj hssassoabt, fdhibnsds, pjhbbdbi, hbf idvdbi ehra tn dbfdvdfuhj phtdabts hbf
tmadr chodjdas
`. Fdhjniua wdtm enooubdty oao`ars enbearbdbi wmht mahjtm dssuas hra nc dopnrthbea
dopnrthbea
db tmht enooubdty
e. Cneusdbi nb chodjy mahjtm tmrnuim semnnj-`hsaf badim`nrmnnf ejdbdes
f. Majpdbi tma enooubdty erahta pnjdtdehj emhbia tmrnuim nrihbdzhtdnb, usa nc oafdh,
jaidsjhtdva jn``ydbi, hbf ohss faonbstrhtdnbs
HBUYAP7 F.
PHVD
PH VDNB
NBHJ
HJA7A7 Vma
Vma ujtd
ujtdoh
ohta
ta inhj
inhj ds jd`a
jd`arh
rhtd
tdbi
bi panp
panpja
ja crno
crno mahj
mahjtm
tm-fh
-fhoh
ohid
idbi
bi
abvdrnboabthj enbfdtdnbs `y usdbi enjjaetdva hetdnbs. Oaemhbdsos mhva dbejufaf
strhta
str htaid
idee nrihb
nrihbdz
dzhtd
htdnb
nb,, jdtd
jdtdih
ihtd
tdnb
nb,, pu`j
pu`jde
de mahrd
mahrdbi
bi tast
tastdo
donb
nby,
y, jatta
jattar-w
r-wrd
rdtd
tdbi
bi
ehophdibs, jaidsjhtdva jn``ydbi, hbf ohss faonbstrhtdnbs.
 

=. Ymdem ds hb axhopja nc tma pu`jde-semnnj bursa—s mahjtm ehra prnvdfar cubetdnbs>

 H. Paquastdbi
Paquastdbi cnr
cnr @EI crno
crno tma PMQ
PMQ cnr semnnj
semnnj abtrhbt
abtrhbt dooubdzhtdnb
dooubdzhtdnb
@. Enbfuetdbi rhbfno ejhssrnno dbspaetdnb furdbi h oahsjas apdfaode
E. Vhkdbi raoafdhj hetdnb nb hb heedfabt mhzhrf db tma semnnj pjhyirnubf
F. N`sarvdbi pjheas db tma semnnj wmara pupdjs spabf tmadr craa tdoa
HBUYAP7 @.
PHVDN
PHV DNBHJ
BHJA7A7 Phbfno
Phbfno ejhssr
ejhssrnno
nno dbspae
dbspaetdn
tdnb
b ds hssasso
hssassoabtabt nc pupdj
pupdjs/s
s/stufa
tufabts
bts
hbf tahemars cnr sdibs nc h mahjtm prn`jao pravhjabt db tma enooubdty.

4. Madfd, h pu`jde mahjtm bursa ds tma suparvdsnr nc rurhj mahjtm odfwdvas. Ymdem nc tma
cnjjnwdbi ds h suparvdsnry cubetdnb nc tma pu`jde mahjtm bursa>
 H. Pacarrdbi
Pacarrdbi ehsas
ehsas nr phtdabts
phtdabts tn tma odfwdca
odfwdca
@. \rnvdfdbi taembdehj iudfhbea tn tma odfwdca
E. \rnvdfdbi bursdbi ehra tn ehsas racarraf `y tma odfwdca
F. Cnroujhtdbi hbf dopjaoabtdbi trhdbdbi prnirhos cnr odfwdvas
HBUYAPU7 @.
PHVDNBHJA7 Vma bursa prnvdfas taembdehj iudfhbea tn tma odfwdca db tma ehra nc 
ejdabt
ejdabts,
s, phrtdeu
phrtdeujhr
jhrjy
jy db tma dopjao
dopjaoabth
abthtdn
tdnb
b nc ohbhia
ohbhiaoab
oabtt iudfaj
iudfajdba
dbas,
s, hs db
Dbtairhtaf Ohbhiaoabt nc Emdjfmnnf Djjbass.

8<. Nba nc tma phrtdedphbts db h mdjnt trhdbdbi ejhss hskaf ynu tn wmno sma smnujf racar 
h phtdabt db jh`nr wmn favajnps h enopjdehtdnb. Tnu wdjj hbswar, tn tma
h. \u`jde Mahjtm Bursa
`. Purhj Mahjtm Odfwdca
e. Oubdedphj Mahjtm Nccdear 
f. Hby nc tmasa mahjtm prncassdnbhjs
HBUYAP7 E.
PHVDN
PHV DNBHJ
BHJA7 A7 H pu`jde
pu`jde mahjtm bursa hbf rurhj mahjtmmahjtm odfwdc
odfwdca
a ehb prnvdfa
prnvdfa ehra
furd
fu rdbi
bi bnro
bnrohj hj emdj
emdjf`
f`dr
drtm
tm.. H pmys
pmysdededh
dhb
b smnu
smnujfjf htta
httabf
bf tn h wnoh
wnohbb wd
wdtm
tm h
enopjdehtdnb furdbi jh`nr.
 

UHU 1
Emaek cnr Qbfarsthbfdbi
8. Atmdehj prdbedpjas cnr prncassdnbhj bursdbi prhetdea db h ejdbdehj sattdbi hra iudfaf `y
tma prdbedpjas nc enbfuet tmht hra wrdttab hs tma7
 H. \mdjd
\mdjdppdba
ppdba Paiujhtdnb
Paiujhtdnb Enoodssd
Enoodssdnbnb
@. \mdjdppdba Bursdbi Het nc 0<<0
E. Uthbfhrfs nc ehra crno axparts db tma prhetdea cdajf
F. Innf Uhohrdthb jhws cnr edvdj iudfajdbas
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Vmds sat nc atmdehj
atmdehj prdbedpjas
prdbedpjas prnvdfas tma prncassdnbhj
prncassdnbhj iudfajdbas
iudfajdbas
asth`jdsmaf `y tma HBH tn ohdbthdb tma mdimast sthbfhrfs cnr dfahj enbfuet db
prhetdea. Hs h prncassdnb, tma HBH whbtaf tn asth`jdsm rujas hbf tmab dbenrpnrhta
iudfajdbas cnr heenubth`djdty hbf raspnbsd`djdty nc ahem bursa wdtmdb tma prhetdea
sattdbi.

0. Vma fdstrd`utdnb nc bursas tn hrahs nc ‚onst baaf‟ db tma tdoa nc h bursdbi smnrthia
smnrthia ds
hb axhopja nc7

 H. Qtdjdthrdhbdso tmanry

Qtdjdthrdhbdso
@. Fanbtnjnidehj tmanry
tmanry
E. Gustdea
F. @abacdeabea
HBUYAP7 E.
PHVD
PH VDNB
NBHJ HJA7
A7 Gustd
Gustdea
ea ds facd
facdba
baf
f hs tma
tma ch
chdr
drba
bass
ss nc fdst
fdstrd
rd`u
`utd
tdnb
nb nc rasn
rasnure
ureas
as..
Mnwavar, iudfajdbas cnr h mdarhremy nc baafs mhva `aab asth`jdsmaf, suem hs wdtm
nrih
nrihbb trhbs
trhbspj
pjhb
hbtht
thtdn
dnb.
b. Burs
Bursas
as hra onva
onvaff tn hrahs
hrahs nc irah
irahtas
tastt baaf
baaf wmab
wmab
smnrthias neeur nb tma cjnnrs. Bn cjnnr ds jact wdtmnut sthcc, hbf hbntmar cjnnr tmht
mhf cdva sthcc wdjj idva up twn tn in majp tma cjnnr tmht mhf bn sthcc.

5. Ymab sdibdbi h cnro hs h wdtbass, bursa sdibhtura smnws tmht tma ejdabt7

 H. Ds cujjy
@. Yhscujjy dbcnroaf
dbcnroa
hwhka f hbf
hbf cujjy ds hwhra
hjart hbfnc hjjoafdehtaf
bnt enbsaquabea
enbsaquabeas.
wdtms.bhrentdes.
E. Yhs craa tn sdib wdtmnut prassura
F. Mhs sdibaf tmht cnro hbf tma wdtbass shw dt `adbi fnba
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Tnur sdibhtura hs h wdtbass wdtbass nbjy sthtas tmht tma parsnb sdibdbi
sdibdbi tma
cnro whs tma parsnb wmn whs jdstaf db tma prneafura.

6. Ymdem erdtardnb ds baafaf cnr snoanba tn idva enbsabt tn h prneafura>

 H. Hb hppndbtaf
hppndbtaf iuhrfdhbs
iuhrfdhbsmdp
mdp
@. Qbaohbedphtaf odbnr 
E. Odbdouo nc 08 yahrs nr njfar 
F. Hb hfvnehta cnr h emdjf
HBUYAP7 H.
 

PHVDNBHJA7 H iuhrfdhb mhs `aab hppndbtaf `y h enurt hbf mhs cujj jaihj rdimts
tn emnnsa ohbhiaoabt nc ehra.

1. Uueeasscuj atmdehj fdseussdnb fapabfs nb panpja wmn mhva h ejahr sabsa nc parsnbhj
vhjuas. Ymab ohby panpja smhra tma shoa vhjuas, dt ohy `a pnssd`ja tn dfabtdcy h
pmdjnsnpmy nc utdjdthrdhbdso, wdtm prnpnsas tmht7

 H. Vma faedsdnb

@. Vma vhjua nc panpja
vhjua ptnanpja ds fatarodbaf
parcnro fatarodbaf snjajy `y
h jdvar trhbspjhbt `fapabfs
y jahfars
jahfarsnb
db htma Qbdthrdhb
Qbdthrdhb
oahsura nc emurem.
tma onrhj jdca tmht
tma ejdabt mhs jaf sn chr 
E. Vma `ast why tn fatarodba tma snjutdnb tn hb atmdehj fdjaooh ds tn racar tma ehsa tn
tma httabfdbi
pmysdedhb.
F. Vma vhjua nc snoatmdbi ds fatarodbaf `y dts usacujbass tn snedaty.
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 H utdjdthrdhb
utdjdthrdhb systao nc atmdes prnpnsas
prnpnsas tmht tma vhjua nc snoatmdbi
snoatmdbi
ds fatarodbaf `y dts usacujbass.

3. Vma ejdabt—s rdimt tn racusa trahtoabt ds hb axhopja nc7

 H. Uthtutnry
Uthtutnry jhw
@. Enoonb jhw
E. Edvdj jhws
F. Bursa prhetdea hets
HBUYAP7 E.
PHVDNBHJA7 Vma ejdabt mhs tma rdimt tn `a dbcnroaf h`nut mds/mar enbfdtdnb hbf
trahtoabt
trahtoa bt nr hby mahjtm dbtarvabtdnb
dbtarvabtdnb tmht baaf tn `a fnba. Ma/ Uma hra abtdtjaf
abtdtjaf tn
heeurhta hbf hfaquhta dbcnrohtdnb sn tmht ma/sma enujf ohka hb dbcnroaf. Vma
bursa, tmaracnra smnujf raspaet tma ejdabt—s faedsdnb hbf mds/mar racushj smnujf
bnt hccaet tma jhttar—s heeass tn ntmar mahjtm sarvdeas.

9. Avab
Avab tm
tmnui
nuim
m tma
tma burs
bursa
a ohy n`th
n`thdb
db tma ejdab
ejdabt—s
t—s sdibh
sdibhtu
tura
ra nb h cnro,
cnro, n`th
n`thdbd
dbdbi
bi
dbcnroaf enbsabt ds tma raspnbsd`djdty nc tma7
 H. Ejdabt
Ejdabt
@. \mysdedhb
E. Utufabt bursa
F. Uuparvdsdbi bursa
HBUYAP7 @.
PHVDNBHJA7 Vma pmysdedhb, nr hbntmar jdeabsaf dbfapabfabt prhetdtdnbar suem hs
h bursa prhetdtdnbar
prhetdtdnbar nr h pmysdedhb'
pmysdedhb'ss hssdsthbt,
hssdsthbt, prnvdfas tma ejdabt
ejdabt wdtm enopjata
dbcnrohtdnb h`nut tma trahtoabt nr prneafura, tma pntabtdhj rdsks dbejufdbi phdb
hbf enopjdehtdnbs, tma `abacdts nc tma trahtoabt nr prneafura, wmn wdjj parcnro
tm
tmaa pjhb
pjhbbabaf
f trahto
trahtoab
abtt nr prneaf
prneafurura,
a, hbf
hbf hby pnssd
pnssd`j
`ja
a hjta
hjtarb
rbhtd
htdvas
vas tn tm
tma
a
trahtoabt nr prneafura dbejufdbi tmadr `abacdts hbf rdsks.
 

=. Vn raspaet h ejdabt—s parsnbhj sphea hbf tarrdtnrdhjdty, tma bursa7

 H. Hvndfs
Hvndfs tma usa
usa nc tnuem
tnuem
@. Axpjhdbs bursdbi ehra hbf prneafuras
E. Kaaps tma eurthdbs pujjaf hrnubf tma ejdabt—s `af
F. Uthbfs = caat hwhy crno tma `af, dc pnssd`ja.
HBUYAP7 @.

PHVDNBHJA7
PHVDN
mhs BHJA7 Ejdabt
Ejdab
raspnbsd`djdty tnt upfhta
mhs tmamdosajc/
rdimt tnmarsajc
shca hbf
nb quhjdty
quhjdty ehra7
tma jhtast tmaracnra,
tmaracnra, tma
favajnpoabts bursa
db mahjtm
ehra hbf db tma bursdbi prncassdnb.

4. Vma pmdjnsnpmy snoatdoas ehjjaf tma enfa nc atmdes nc ehra suiiasts tmht atmdehj
fdjaoohs ehb `ast `a snjvaf `y httabtdnb tn7
 H. Pajht
Pajhtdnbsmdps
dnbsmdps
@. Atmdehj prdbedpjas
E. Ejdabts
F. Enfa nc atmdes cnr bursas
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Vma atmde nc ehra axpjnras
axpjnras tma bntdnb nc ehra hs h eabtrhj hetdvdty nc 

muohb
muo hb `amhvd
`amhvdnr.
nr. Vmnsa wmn wrdta
wrdta h`nut
h`nut tma atmdes
atmdes nc ehra
ehra hfvnehta
hfvnehta h onra
onra
caohja `dhsaf tmanry tmht ds `hsaf nb ubfarsthbfdbi rajhtdnbsmdps, aspaedhjjy
parsnbhj bhrrhtdvas.

8<. Db onst atmdehj fdjaoohs, tma snjutdnb tn tma fdjaooh raqudras baintdhtdnb honbi
oao`ars nc tma mahjtm ehra taho.
Vma bursa—s pndbt nc vdaw ds vhjuh`ja `aehusa7
 H. Bursas mhva h jaihj jdeabsa tmht abenurhias
abenurhias tmadr prasabea
prasabea furdbi atmdehj
fdseussdnbs.
@. Vma prdbedpja nc hutnbnoy iudfas hjj phrtdedphbts tn raspaet tmadr nwb sajc-wnrtm.
E. Bursas favajnp h rajhtdnbsmdp tn tma ejdabt tmht ds ubdqua honbi hjj prncassdnbhj
mahjtm ehra prnvdfars.
prnvdfars.
F. Vma bursa—s enfa nc atmdes raenooabfs tmht h bursa `a prasabt ht hby atmdehj
fdseussdnb h`nut ejdabt ehra.
HBUYAP7 E.
PHVDNBHJA7 Ymab atmdehj fdjaoohs hrdsa, tma bursa—s pndbt nc vdaw hra ubdqua
hbf erdtdehj. Vma bursa usuhjjy dbtarhets wdtm ejdabts nvar jnbiar tdoa dbtarvhjs
tmhb fn ntmar fdsedpjas.
 

UHU 3
Emaek cnr Qbfarsthbfdbi
8. Hb dbchbt wmn mhf `aab db cnstar ehra sdbea `drtm raqudras h `jnnf trhbscusdnb. Ymn ds
hutmnrdzaf tn idva wrdttab dbcnroaf enbsabt cnr tma prneafura>
h. Bursa ohbhiar 
`. Unedhj wnrkar wmn pjheaf tma dbchbt db cnstar mnoa
e. Paidstaraf bursa ehrdbi cnr tma dbchbt
f. Vma cnstar ontmar 
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Vma cnstar phrabts hra tma prdohryprdohry ehraidvars. Ymab emdjfrab hra
odbnrs hbf hrab't aohbedphtaf, tmadr phrabts nr fasdibhtaf jaihj iuhrfdhbs hra
raspnbsd`ja cnr prnvdfdbi enbsabt cnr oafdehj prneafuras. Vmaracnra, tma cnstar 
ontmar ds hutmnrdzaf tn idva enbsabt cnr tma `jnnf trhbscusdnb `aehusa sma mhs
`aab hppndbtaf tma jaihj iuhrfdhb nc tma emdjf. Vma snedhj wnrkar, tma bursa, hbf
tma bursa-ohbhiar mhva bn jaihj rdimts tn idva enbsabt db tmds ehsa.

0. Vma cnstar phrabts nc h emdjf hia 3, wmn wdjj `aidb semnnj db tma chedjdty, hsk tma bursa
cnr hbtdedphtnry iudfhbea. Vma bursa smnujf axpjhdb tmht h emdjf nc tmds hia7

h. Pa`aj
`. Utdjj hihdbstnb
fapabfs semafujaf
tma phrabt hetdvdtdas
e. Jnvas tn thttja
f. Ds mdimjy sabsdtdva tn erdtdedso
HBUYAP7 F.
PHVDNBHJA7 Db h 3-yahr-njf emdjf, h praehrdnus sabsa nc sajc ehusas nvarrahetdnb
tn erdtdedso hbf h sabsa nc dbcardnrdty. @y hia 3, onst emdjfrab bn jnbiar fapabf
nb tma phrabts cnr fhdjy thsks hbf jnva tma rnutdba nc h semafuja. Vhttjdbi ds onra
enoonb ht hia 6 tn 1, `y hia 3, tma emdjf whbts tn ohka crdabfs hbf `a h crdabf.

5. Vma bursa ds fdseussdbi baihtdvdso wdtm tma phrabts nc h 5<-onbtm-njf emdjf wmab
hfodbdstardbi dooubdzhtdnb. Mnw smnujf tma bursa tajj tma phrabts tn `ast raspnbf tn
tmds `amhvdnr>
h. Paprdohbf tma emdjf hbf idva h 81-odbuta ‚tdoa nut‟
`. Ohdbthdb h parodssdva httdtufa cnr tmds `amhvdnr 
e. Qsa phtdabea hbf h sabsa nc muonr tn fahj wdtm tmds `amhvdnr 
f. Hssart hutmnrdty nvar tma emdjf tmrnuim jdodt sattdbi
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Vma bursa smnujf
smnujf majp tma phrabts saa tmht baihtd
baihtdvdty
vdty ds h bnrohj
phrt nc irnwtm nc hutnbnoy db tma tnffjar. Vmay ehb `ast mhbfja tma baihtdva
tnffjar `y usdbi phtdabea hbf muonr.

6. H vdetdo nc fnoastde vdnjabea

vdnjabea sthtas, ‚Dc D wara `attar, D wnujf bnt mhva `aab `ahtab.
`ahtab.‟‟
Ymdem caajdbi `ast faserd`as wmht tma vdetdo ohy `a axpardabedbi>
h. Cahr 
`. Majpjassbass
e. Uajc-`jhoa
 

f. Pagaetdnb
HBUYAP7 E.
PHVD
PH VDNB
NBHJHJA7
A7 Vma
Vma vdetd
vdetdo
o ds n`vd
n`vdnu
nusj
sjy
y tmdbk
tmdbkdb
dbi
i tm
tmht
ht dt whs
whs mar
mar chujt
chujt wmde
wmdem
m ds
enoonb
eno onb tn vdetdo
vdetdos
s nc fnoastd
fnoastde
e vdnjab
vdnjabea.
ea. @jhodb
@jhodbii tmaosa
tmaosajva
jvas
s ohy hjsn
hjsn majp
majp
tmao caaj shcar db snoa whys.

1.  Vm
Vmaa bursa
bursa ds ht tma enoou
enooubdt bdty
y eabt
eabtar
ar spah
spahkdb
kdbi
i wdtm
wdtm ratdr
ratdraf
af panp
panpja.
ja. Vn wmdem
wmdem
enooabt `y nba nc tma ratdraas furdbi h fdseussdnb h`nut tma `abacdts cnr sabdnr edtdzab
wnujf tma bursa idva h suppnrtdva enooabt tn radbcnrea enrraet dbcnrohtdnb>
h. D usuhjjy `rdbi oy sabdnr edtdzab DF wmaravar D wdjj in
`. Bn baaf tn hsk fnetnrs— praserdptdnb dc D wdjj `uy oy oafdedbas.
e. D whs idvab fdsenubt cnr fnetnrs— prncassdnbhj caa
f. D raidstaraf oy bhoa hs h oao`ar nc sabdnr edtdzab.
HBUYAP7 H.
PHVDNBHJA7 Hb ajfarjy smnujf iat h sabdnr edtdzab dfabtdcdehtdnb ehrf hbf prasabt
dt wmabavar baafaf tn hvhdj nc tma `abacdts hbf fdsenubts.

3. Vma enooubdty mahjtm bursa ds hssdibaf tn ehra cnr hfodbdstardbi vheedbhtdnb. Ymdem
nc tma cnjjnwdbi smnujf tma bursa idva tma prdnrdty db idvdbi vheedbhtdnb>

h. Vma
`. Vma ejdabt wmn ehoa
hfujt ejdabt cdrst.wdtm ontmar 
tniatmar
e. Vma ejdabt wdtm hia nc 3< yahrs njf
f. Vma ontmar wmn `rnuimt mar jhethtdbi emdjf wdtm mar 
HBUYAP7 E.
PHVDNBHJA7 Hbntmar prdvdjaia nc sabdnr edtdzabs ds tma prnvdsdnb nc axprass jhbas
cnr tmao db hjj enooared
enooaredhj hj hbf invarb
invarboab
oabtt asth`jd
asth`jdsmo
smoabts
abts.. H innf
innf axhopj
axhopja
a
wnujf `a tma Envhx, tma sabdnr edtdzabs `ajnbi db tma H0, wmdem ds hctar tma
crnbtjdbars.

9. Bursa Oarafdtm ds n`sarvdbi =-yahr-njf Hbbh furdbi h enooubdty vdsdt. Ymdem nc tma
cnjjnwdbi cdbfdbis wnujf jahf tma bursa tn suspaet tmht Hbbh ds h vdetdo nc saxuhj
h`usa>
h. Vma emdjf ds cahrcuj nc tma ehraidvar hbf ntmar hfujts.
`. Vma emdjf mhs h jhek nc paar rajhtdnbsmdps.
e. Vma emdjf mhs sajc-dbgurdnus `amhvdnr.
f. Vma emdjf mhs hb dbtarast db tmdbis nc h saxuhj bhtura.
HBUYAP7 F.
PHVDNBHJA7 Hb =-yahr-njf emdjf ds db tma jhtabey pmhsa nc favajnpoabt; db tmds
sthia, tma emdjf's dbtarast db paars, hetdvdtdas, hbf semnnj ds prdnrdty. Dbtarast db sax
hbf
hb f tm
tmdb
dbis
is nc h saxu saxuhjhj bhtu
bhtura
ra wnuj
wnujff neeu
neeurr hpprn
hpprnpr
prdh
dhta
tajy
jy furd
furdbi
bi tm
tma
a hia
hia nc 
pu`arty, bnt ht tmds tdoa. H emdjf wmn ds tma vdetdo nc saxuhj h`usa, mnwavar, ohy
smnw ubusuhj dbtarast
dbtarast db sax. Vma hssassoabts
hssassoabts db tma ntmar hbswar emndeas ohy
dbfdehta h`usa, `ut bnt baeasshrdjy saxuhj h`usa.
 

=. Umadjh tajjs tma enooubdty bursa tmht mar `nycrdabf mhs `aab h`usdva hbf sma ds
hcrhdf nc mdo. `ut sma fnasb't whbt tn jahva. Vma ejdabt hsks tma bursa cnr hssdsthbea.
Ymdem bursdbi dbtarvabtdnbs hra hpprnprdhta db tmds sdtuhtdnb> Uajaet hjj tmht hppjy.
h. Majp
Majp Umadj
Umadjh
h tn fava
favajnp
jnp h pjhb
pjhb tn absu
absura
ra shcat
shcaty
y dbeju
dbejufdb
fdbi
i pmnb
pmnba a buo`a
buo`arsrs cnr 
aoariabey majp.
`. Majp Umadjh tn iat mar `nycrdabf dbtn hb hpprnprdhta trahtoabt prnirho.
e. Enooubdehta heeapthbea. hvndfdbi hby dopjdehtdnb tmht Umadjh ds ht chujt cnr bnt
jahvdbi.
f. Majp Umadjh tn axpjnra hvhdjh`ja nptdnbs. dbejufdbi smajtars hbf jaihj prntaetdnb.
HBUYAP7 H., F.
PHVDNBHJA7
PHVDN BHJA7 Vma ejdabt ds bnt raspnbsd`ja
raspnbsd`ja cnr saakdbi
saakdbi majp cnr tma h`usar, hbf
abenurhidbi mar tn fn sn ohy radbcnrea tma ejdabt's caajdbi raspnbsd`ja cnr tma
h`usa. Hfvdsdbi tma ejdabt oust faedfa cnr marsajc wmatmar tn jahva, hbf tma bursa
oust raspaet hby faedsdnb tma ejdabt ohkas. Ohkdbi tma faedsdnb cnr tma ejdabt wdjj
arnfa mar sajc-astaao hbf radbcnrea mar sabsa nc pnwarjassbass.

4. Ymht ds P.H. 4446>

h. Hbtd-Varrnr Jhw
`. Axphbfaf Uabdnr Edtdzab Het nc 0<8<

e.
f. Ohibh Ehrth
\rnvdfdbi cnr Mahjtm
Ohbfhtnry Ehra
@hsde Ynrkars
Dooubdzhtdnb
HBUYAP7 @.
PHVDN
PHV DNBHJ
BHJA7A7 Axphbf
Axphbfafaf Uabdnr
Uabdnr Edtdza
Edtdzabs
bs Het nc 0<8<,
0<8<, facdbas
facdbas sabdnr
sabdnr edtdza
edtdzab
b nr 
ajfarjy hs hby rasdfabt edtdzab nc tma \mdjdppdbas ht jahst 3< yahrs njf.

8<. Hs tma invarboabt ehras cnr tma mahjtm nc Uabdnr Edtdzabs, wmht hra tma abtdtjaoabt
nc `abacdts idvab tn tmao>
h. \uremhsa nc oafdedbas
`. 0<% fdsenubt
e. Fdhibnstde hbf jh`nrhtnry caas db prdvhta mnspdthjs
f. Hjj nc tma h`nva
HBUYAP7 F.
PHVDNBHJA7 Uabdnr edtdzabs hra abtdtjaf tn 0<% fdsenubt hbf axaoptdnb crno tma
vhjua-hffaf thx (SHV) nb earthdb innfs hbf sarvdeas cnr tmadr axejusdva usa.
 

UHU 9
Emaek cnr Qbfarsthbfdbi
8. Ymht ds tma cubetdnb nc CFH Iabarde Frui \rnirho>
 H. Vn ravdsa
ravdsa mahjtm
mahjtm ehra fajdvary systao
@. Vn enbfuet ravdaw tn ohka h earthdb tmht tma oafdedba oat tma sthbfhrf cnr shcaty
usa.
E. Vn nrihbdza enooubdty cnruo
F. Vn cnroujhta mahjtm ehra jhw
HBUYAP7 @.
PHVDNBHJA7 Vma CFH Iabarde Fruis \rnirho enbfuets h rdinrnus ravdaw tn
ohka earthdb iabarde oafdedbas oaat tmasa sthbfhrfs, db hffdtdnb
hffdtdnb tn enbfuetdbi
enbfuetdbi
5,1<< dbspaetdnbs nc ohbucheturdbi pjhbts h yahr hbf onbdtnrdbi frui shcaty hctar 
tma iabarde oafdedba mhs `aab hpprnvaf hbf `rnuimt tn ohrkat.

0. Ymht typa nc oafdedba erahtaf tn wnrk tma shoa hs hb axdstdbi hpprnvaf `rhbf-
bhoa fruis.
 H. Dbtrhvabnus
Dbtrhvabnus cjudfs
cjudfs
@. Heupubetura

E. Iabarde E.
HBUYAP7
PHVD
PH VDNB
NBHJ
HJA7
A7 H iaba
iabard
rde
e oafd
oafded
edba
ba ds tma shoa
shoa hs h `rh `rhbf
bf-bh
-bhoa
oa oafd
oafdededba
ba db
fnshia, shcaty, accaetdvabass, strabitm, sth`djdty, hbf quhjdty, hs wajj hs db tma why
dt ds thkab hbf tma why dt smnujf `a usaf.

5. Ymht mahjtm Papu`jde Het db tma invarboabt tmht prnvdfa dbsurhbea envarhia cnr hjj
edtdzabs nc tma \mdjdppdbas tn absura hccnrfh`ja, heeapth`ja, hvhdjh`ja hbf heeassd`ja
mahjtm ehra sarvdeas>
 H. \mdjdppdba
\mdjdppdba Oafdehj
Oafdehj Het
@. \mdjdppdba Vaembnjnidehj Vrhbscar Het
E. Fhbiarnus frui Het
F. Bhtdnbhj Mahjtm Dbsurhbea Het
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Bhtdnbhj Mahjtm Dbsurhbea Het ds tma enopujsnry
enopujsnry mahjtm dbsurhbea
prni
prnirho
rho nc tmtma
a invar
invarbo
boab
abtt hs asth`
asth`jdjdsm
smaf
af db tmtmds
ds Het,
Het, wmde
wmdemm smhj
smhjjj prnv
prnvdf
dfa
a
ubdvarshj mahjtm dbsurhbea envarhia hbf absura hccnrfh`ja, heeapth`ja, hvhdjh`ja
hbf heeassd`ja mahjtm ehra sarvdeas cnr hjj edtdzabs nc tma \mdjdppdbas.

6. Ymht hra tma tmraa enopnbabts nc heeass tn mahjtm ehra hs dopjaoabtaf db tma
dbsurhbea het> (Uajaet hjj tmht hppjy)
 H. Envarhia
Envarhia
@. Uarvdeas
E. Vdoajass
F. \ravabtdnb
HBUYAP7 H., @., E.
 

PHVDNBHJA7 Heeass tn mahjtm ehra enbsdsts nc cnur enopnbabts (Mahjtmy \anpja

0<0<)7 h. Envarhia7
Envarhia7 chedjdthtas
chedjdthtas abtry dbtn tma mahjtm ehra systao wmara ubdbsuraf
ubdbsuraf
panpja hra jass jdkajy tn raeadva oafdehj ehra hbf onra jdkajy tn mhva pnnr mahjtm
sthtus,
sthtus, `. Uarvde
Uarvdeas7
as7 mhvdbi h usuhj
usuhj snurea
snurea nc ehra ds hssned
hssnedhtaf
htaf wdtm hfujts
hfujts
raeadvdbi raenooabfaf seraabdbi hbf pravabtdnb sarvdeas, e. Vdoajdbass7 h`djdty
tn prnvdfa mahjtm ehra wmab tma baaf ds raenibdzaf, hbf f. Ynrkcnrea7 ehph`ja,
quhjdcdaf, eujturhjjy enopatabt prnvdfars.

1.  Ymdem nc tma cnjjnwdbi tmht ehb hvhdj tma \mdjdppdba mahjtm invarboabt dbsurhbea
envarhia axeapt
 H. Upnbsnraf
Upnbsnraf oao`ars
oao`ars
@. Cnradibar 
E. Jdca tdoa oao`ars
F. Dbfdiabt oao`ars
HBUYAP7 @.
PHVDNBHJA7 Vma Bhtdnbhj Dbsurhbea Mahjtm Het envars tma oao`ars db tma cnrohj
aenbno
aen bnoy,y, spnbsn
spnbsnraf
raf oao`ar
oao`ars, s, oao`ar
oao`ars s db tma dbcnro
dbcnrohj
hj aenbno
aenbnoy,
y, jdcatd
jdcatdoa
oa
oao`ars, dbfdiabt oao`ars, hbf sabdnr edtdzabs.

3. H vnjubtaar
wmht hia irnupdbfdvdfuhj hpprnhemaf
ehb fnbhta tmabursa
`jnnf> Vma bursarapjy
tmht ma whbts
wmdem tn fnbhta
nc tma `jnnf hbf hskaf
cnjjnwdbi7
 H. @atwaab
@atwaab 9―80-yahr-n
9―80-yahr-njf
jf
@. @atwaab 89-31 yahrs njf
E. Hjj nc tma h`nva
F Bnba nc tma h`nva
HBUYAP7 @.
PHVDNBHJA7 Onst panpja ehb idva `jnnf dc tmay hra db innf mahjtm. Nba nc tma
`hsde raqudraoab
raqudraoabtsts nba baafs tn cujcdjj db nrfar tn `aenoa
`aenoa h `jnn `jnnf
f fnbnr. Hia7
 Tnu hra hiaf `atwaab 8= hbf 31. Db snoa enubtrdas bhtdnbhj jaidsjhtdnb parodts
83―89-yahr-njfs tn fnbhta prnvdfaf tmht tmay cujcdj tma pmysdehj hbf maohtnjnidehj
erdtardh raqudraf hbf tmht hpprnprdhta enbsabt ds n`thdbaf. Db snoa enubtrdas,
raiujhr fnbnrs nvar tma hia nc 31 ohy `a heeaptaf ht tma fdseratdnb nc tma
raspnbsd`ja pmysdedhb. Vma uppar hia jdodt db snoa enubtrdas ds 3< (YMN).
9. Nba nc tma fnbnrs hskaf, wmab D fnbhta `jnnf ho D ht rdsk nc hequdrdbi `jnnf-`nrba
fdsahsas suem hs MDS, Maphtdtds @ hbf E> Ymht ds tma bursa `ast hbswar>
 H. Vrua
@. Chjsa
E. Ohy`a
F. Bnba nc tma h`nva
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Bn. MDS ds trhbsodttaf
trhbsodttaf db `jnnf,
`jnnf, saoab, vhidbhj
vhidbhj cjudfs,
cjudfs, hbf `rahst
odjk, sn snoa panpja hra enbearbaf h`nut tma rdsk nc MDS wmab idvdbi `jnnf.
\rdnr tn fnbhtdbi `jnnf tn hssdst db fatarodbdbi dc tmay hra db innf mahjtm hbf craa
nc hby fdsahsas tmht enujf `a trhbsodttaf `y `jnnf trhbscusdnb, `jnnf fnbnrs hra
hskaf h sat nc sthbfhrf quastdnbs. Dc tma fnbnr—s hbswars dbfdehta tmay hra bnt
 

wajj nr hra ht rdsk cnr mhvdbi h fdsahsa trhbsodssd`ja `y `jnnf trhbscusdnb, tmay
hra bnt hjjnwaf tn fnbhta `jnnf.

=. Vma honubt nc `jnnf enjjaetaf ht nba tdoa ds7

 H. 01< oj.
oj.
@. 61< oj.
E. 8jdtar 
F. 3 jdtars
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Cnr h wmnja
wmnja `jnnf fnbhtdnb,
fnbhtdnb, hpprnx
hpprnxdohtaj
dohtajyy nba pdbt (wmdem
(wmdem wadims
wadims
h`nu
h` nutt nba
nba pnub
pnubf)
f) ds enjj
enjjae
aetaf
taf.. Vmds
Vmds ds hjhjsn
sn aqud
aqudvh
vhja
jabt
bt tn h`nu
h`nutt 61< tn 1<<
1<<
odjjdjdtars (FNM \M).

4. Hctar tma `jnnfjattdbi,

`jnnfjattdbi, tma ejdabt hskaf tma jh`nrhtnry
jh`nrhtnry sthcc mnw nctab raiujhrjy ehb ma
fnbhta `jnnf> Vma sthcc raspnbsa7
 H. Nbea h yahr 
@. Avary 0 yahrs
E. Avary 6 onbtms
HBUYAP7 E.

PHVD
PH VDNB
NBHJ
fnbhtdnbsHJA7
A7 Hern
Hernss
vhrdas ss tmtma
`atwaab a 13
wnrj
wnfhys
rjf,
f, (=
tm
tmaawaaks)
odbd
odbdou
ouo o 83
hbf dbtar
dbtarvhj
vhj `atw
waaks `atwaab
hbf aab wmnj
wmnja
fdccarabt a `jnn
`jnnf
f
fnbhtdnb
dbtarvh
dbtarvhjs
js hra usuhjj
usuhjjyy cnjjnw
cnjjnwaf
af cnr ohja
ohja hbf caohja
caohja fnbnrs;
fnbnrs; db prhetde
prhetdea,
a, sno
snoa a
caohja fnbnrs hra ubh`ja tn idva `jnnf onra tmhb nbea nr twdea par yahr fua tn
drnb facdedabt sthtas (@jnnf Fnbnr Uajaetdnb).

8<. Vma bursa dbstruet tma ejdabt `acnra idvdbi `jnnf phtdabt smnujf7
 H. Aht mar/mds
mar/mds bnrohj
bnrohj oahj nr sbhek
@. Frdbks jnts nc cjudfs
E. Bnt frdbk, bnt aht
F. Enbsdfar H hbf @
HBUYAP7 F.
PHVDNBHJA7 Onst @VU iudfajdbas raenooabf tmht fnbnrs smnujf ohdbthdb tmadr 
usuhj cnnf hbf cjudf dbthka `acnra fnbhtdnb `ut smnujf hvndf mahvy nr chtty oahjs
wmdem ohy rasujt db h jdphaode fnbhtdnb tmht ohy baaf tn `a fdsehrfaf (@jnnf
Fnbnr Uajaetdnb).
 

UHU =
Emaek cnr Qbfarsthbfdbi
8. Db nrfar tn snjdedt ennparhtdnb /hssdsthbea nc tma enooubdty db tma abvdrnboabthj
shbdthtdnb prnirho, wmdem nc tma cnjjnwdbi baafs tn `a fnba cdrst>
h. Erahta pu`jde hwhrabass nb tma abvdrnboabthj shbdthtdnb prn`jaos
`. Cnro wnrkdbi irnups nr enoodttaas
e. Unjdedt tma majp nc tma oubdedphj hbf `hrhbihy nccdedhjs
f. Dbvnjva enooubdty oao`ars db tma shbdthtdnb prnirho
HBUYAP7 H.
PHVDNBHJA7 Dt ds dopnrthbt tn sprahf hwhrabass tn tma enooubdty cdrst sn tmht
tmay wdjj `a upfhtaf hbf kbnw wmht ds mhppabdbi.

0. Vma PMQ taho enbsdst nc tma cnjjnwdbi axeapt7

h. Enooubdty mahjtm wnrkars
`. \u`jde mahjtm bursa
e. Mahjtm hxdjjhry vnjubtaar 
f. Paspdrhtnry tmarhpdst
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 H raspdrhtnry
raspdrhtnry tmarhpdst (PV) ds h eartdcdaf
eartdcdaf oafdehj
oafdehj prncassdnbhj
prncassdnbhj wmn

spae
sp aedh
dhjd
jdza
kbnwjafiazas
s nc
db mdim-taem
pr
prnv
nvdf
dfdb
dbi
iaqudpoabt,
mahj
mahjtm
tmeh
ehra
rasuem
cnr
cnr hs
ynur
ynoaemhbdehj
ur jubi
jubis.
s. Vmay
Vmay mhva
mhva PVs
vabtdjhtnrs. hfvh
hfvhbe
beaf
af
wnrk
hjnbisdfa fnetnrs hbf bursas.

5. Vartdhry Ehra `y tma mnoa mahjtm bursa ds fdraetaf tnwhrfs emdjfrab wdtm7
h. \rn`jao db on`djdty
`. Odbnr prn`jaos
e. Umnrt-taro baafs
f. Ejdbdehjjy hpphrabt fdsahsa
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Fdsh`djdty
Fdsh`djdty pravabtdnb
pravabtdnb hbf ramh`djdthtd
ramh`djdthtdnb
nb ds tma javaj nc pravabtdnb
pravabtdnb db
tartdhry ehra.

6. Bursa Bdenjhs ds semafujaf cnr \hp soahr. Uma mhs h strnbi chodjy mdstnry cnr 
earvdehj ehbear. Vmds ds hb axhopja nc>
h. Uaenbfhry pravabtdnb
`. \rdohry pravabtdnb
e. Vartdhry pravabtdnb
f. Mahjtm seraabdbi
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Uaenbfhry pravabtdnb
pravabtdnb aopmhsdzas ahrjy fdsahsa
fdsahsa fataetdnb,
fataetdnb, hbf dts
thriat ds mahjtmy-hppahrdbi dbfdvdfuhjs wdtm su`ejdbdehj cnros nc tma fdsahsa. Vma
su`ejdbdeh
su`ej dbdehjj fdsahsa
fdsahsa enbsdsts
enbsdsts nc phtmnjnide
phtmnjnide emhbias, `ut bn nvart syoptnos
syoptnos tmht
hra fdhibnsh`ja db h fnetnr's vdsdt. Uaenbfhry pravabtdnb nctab neeurs db tma cnro
nc seraabdbis. Cnr axhopja, h \hphbdenjhnu (\hp) soahr ds h cnro nc saenbfhry
pravabt
pra vabtdnb
dnb hdoaf
hdoaf tn fdhibn
fdhibnsa
sa earvdeh
earvdehjj ehbear
ehbear db dts su`ejd
su`ejdbde
bdehj
hj sthta
sthta `acnra
`acnra
prnirassdnb.
 

1. Ymdem nc tma cnjjnwdbi ds tma baw Odssdnb nc tma FNM>

h. \rnonta mahjtmy jdcastyja
`. Absura heeassd`djdty hbf quhjdty nc mahjtm ehra
e. Aqudth`ja hbf panpja-eabtaraf mahjtm systao
f. Doprnva iabarhj—s mahjtm sthtus nc tma panpja
HBUYAP7 E.
PHVD
PH VDN
NBHJ
BHJA7 Vma baw baw odss
odssddnb nc tm tma
a FNM
FNM ds tn jahf
jahf tm
tma
a enub
enubtr
try
y db tm
tmaa
favajn
fav ajnpoa
poabt
bt nc h prnfue
prnfuetdvtdva,
a, rasdjd
rasdjdabt
abt,, aqudth
aqudth`ja
`ja hbf panpja
panpja-eab
-eabtara
taraf
f mahjtm
mahjtm
systao.

3. Vma baw vdsdnb nc tma FNM ds7

h. Mahjtm cnr hjj Cdjdpdbns `y 0<80
`. Jahfar, sthubem, hfvnehta hbf onfaj db prnontdbi mahjtm cnr hjj db tma \mdjdppdbas
e. Iuhrhbtaa aqudth`ja hbf quhjdty mahjtm cnr hjj Cdjdpdbns
f. Mahjtmdast panpja db Unutmahst Hsdh `y 0<00, hbf Hsdh `y 0<6<
HBUYAP7 F.
PHVD
PH VDNB
NBHJ
HJA7
A7 Vma
Vma bawbaw vdvdsd
sdnb
nb nc tm
tma
a FNM
FNM ds tn dbej dbejuf
ufa
a Cdjd
Cdjdpd
pdbn
bns
s honb
honbi i tm
tma
a
mahjtmdast panpja db Unutmahst Hsdh `y 0<00, hbf Hsdh `y 0<6<.

9. Dc tma prdohry javaj nc ehra ds bnt ehph`ja nc snjvdbi tma prn`jao, wmara wnujf ynu
pracar cnr saenbfhry javaj nc ehra>
h. Pamh`djdthtdnb eabtar 
`. @hrhbihy ehpthdb mnusa
e. Fnetnr—s ejdbde db tma oubdedphjdty
f. Fdstrdet mnspdthj
HBUYAP7 F.
PHVDNBHJA7 Vma emndeas cnr jnehtdnb db saenbfhry javaj nc ehra hra tma fdstrdet
mnspdthj, oubdedphj mnspdthj, prnvdbedhj mnspdthj, hbf edty mnspdthj.

=. Mahjtm saetnrs racnro mhs `aab cnroujhtaf `aehusa nc tma cnjjnwdbi axeapts7
h. \arsd
\arsdsta
stabea
bea nc jhria
jhria vhrdh
vhrdhtdn
tdnbs
bs db mahjtm
mahjtm sthtu
sthtus
s herns
hernss
s pnpu
pnpujht
jhtdnb
dnb irnup
irnups
s hbf
hbf
ianirhpmde hrahs
`. Hrdsdbi `urfab crno emrnbde hbf faiabarhtdva fdsahsas
e. Mdim `urfab crno dbcaetdnus fdsahsa
f. @urfab crno fdsahsa ds mahvdast honbi odffja ejhss chodjdas
HBUYAP7 F.
PHVDNBHJA7 Vma rhtdnbhja nc MUPH ds sjnwdbi fnwb db tma rafuetdnb db tma dbchbt
onrthj
onr thjdty
dty rhta hbf ohtarbh
ohtarbhjj onrthj
onrthjdty
dty mahjtm,
mahjtm, parsds
parsdstabe
tabea
a nc jhria
jhria vhrdhtd
vhrdhtdnb
nb db
mahjtm
mah jtm sthtus
sthtus hernss
hernss pnpujh
pnpujhtdn
tdnb
b irnups
irnups hbf ianirhp
ianirhpmde
mdehj
hj hrahs,
hrahs, mdim
mdim `urfab
`urfab
crno dbcaetdnus fdsahsas, rdsdbi `urfab crno emrnbde hbf faiabarhtdva fdsahsas,
ubhttab
ubh ttabfaf
faf aoarid
aoaridbi
bi mahjtm
mahjtm rdsk cnr abvdrn
abvdrnboa
boabthj
bthj hbf wnrk-ra
wnrk-rajht
jhtaf
af chetnrs
chetnrs,,
`urfab nc fdsahsas ds mahvdast nb tma pnnr.

4. Vma FNM hfnptaf wmdem nc tma cnjjnwdbi hs tma crhoawnrk cnr tma dopjaoabthtdnb nc 
tma mahjtm saetnr racnro>
 

h. CNQPoujh Nba cnr Mahjtm

`. Bhtdnbhj Mahjtm Dbsurhbea \rnirho (BMD\)
e. Mdim Cdva Cnroujh
f. Mahjtmehra systao upirhfdbi pjhb
HBUYAPU7 H.
PHVDNBHJA7 Vma crhoawnrk cnr dopjaoabthtdnb nc MUPH ds tma CNQPoujh NBA
cnr Mahjtm mhvdbi dts inhjs hbf ajaoabts nc strhtaiy.

8<. Mahjtm ehra sarvdeas wara favnjvaf tn tma Jnehj Invarboabt Qbdts (JIQ) cnr tma
cnjjnwdbi rahsnbs axeapt7
h. Vn trhbscnro JIQ dbtn sajc- rajdhbt enooubdtdas
`. Vn dbvnjva panpja db tma favajnpoabt hbf prnirass nc tmadr enooubdtdas
e. Aopnwar jnehj mahjtm nccdedhjs
f. Vn prnvdfa panpja `attar heeass tn faedsdnb ohkdbi
HBUYAP7 F.
PHVDNBHJA7 Vma dopjaoabthtdnb nc tma Jnehj Invarboabt Enfa nc 8448 rasujtaf
db tma favnju
favnjutdn
tdnb
b nc mahjtm
mahjtm sarvdea
sarvdeass tn jnehj
jnehj invarbo
invarboabt
abt ubdts
ubdts (JIQs)
(JIQs) wmdem
wmdem
dbejufaf honbi ntmars tma prnvdsdnb, ohbhiaoabt hbf ohdbtabhbea nc mahjtm
sarvdeas ht fdccarabt javajs nc JIQs. Ymht usaf tn `a h eabtrhjdzaf bhtdnbhj mahjtm

sy
syst
stao
ao `aeho
savabtaab`a(89)
ehoa a ohby
ohby
yahrs dbfa
dbfapa
pabf
bfabt
nc favnjutdnb,abt jnehj
jnehj mahjt
mahjtm
doprnvaoabts m systa
systaos
os.
db mahjtm . Hctar
Hctar
sthtus onra
onra tm
tmhb
hb
nc pnpujhtdnbs
smnw ohrkaf vhrdhtdnbs hernss JIQs. Shrdhtdnbs db mahjtm sthtus wara hssnedhtaf
wd
wdtm
tm vhrd
vhrdhtd
htdnb
nbs
s db tm
tma
a parcn
parcnro
rohb
hbea
ea nc mahj
mahjtm
tm ehra
ehra prnv
prnvdf
dfar
arss hbf
hbf mahj
mahjtm
tm ehra
ehra
prncassdnbhjs db jnehjdtdas.
 

UHU 4
Emaek cnr Qbfarsthbfdbi
8. Ymdem nc tma cnjjnwdbi hiabedas wdjj `a raspnbsd`ja cnr tma prntaetdnb hbf prnontdnb
nc tma panpja—s mahjtm>
h. Jnehj Invarboabt Qbdt

`. Faphrtoabt nc
e. Faphrtoabt nc mahjtm
Dbtardnr hbf Jnehj Invarboabt
f. @hrhbihy hbf Oubdedphj Enubedjs
HBUYAP7 E.
PHVDN
PHV DNBHJ
BHJA7
A7 Vma Faphrto
Faphrtoabtabt nc Mahjtm
Mahjtm sarvas hs tma ohdb
ohdb invarb
invarbdbi
dbi `nfy nc 
mahjtm sarvdeas db tma enubtry.

0. H oatmnf wmaradb tma suparcdedhj snct phrts nc tma `nfy hra ru``af, strnkaf, kbahfaf,
nr thppaf cnr raoafdhj, hastmatde, myidabde, nr jdodtaf tmarhpautde purpnsas
h. Ohsshia
`. Emdrnprhetde
e. Heupubetura

f. Heuprassura
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Ohsshia ds h oatmnf
oatmnf wmaradb
wmaradb tma suparcdedhj
suparcdedhj snct phrts nc tma `nfy
hra ru``af
ru``af,, strnkaf
strnkaf,, kbahfa
kbahfaf,
f, nr thppaf
thppaf cnr raoafd
raoafdhj,
hj, hastma
hastmatde
tde,, myidab
myidabde,
de, nr 
jdodtaf tmarhpautde purpnsas.

5. Vma Faphrtoabt nc Mahjtm hfnpts oahsuras tn huioabt `hsde sarvdeas hbf chedjdtdas
hs
hssdi
sdiba
baf
f tn JIQ—s
JIQ—s.. wmde
wmdemm nc tma
tma cnjjn
cnjjnwdb
wdbi
i hra
hra prdnr
prdnrdty
dty hrah
hrahs
s cnr tma
tma prnvd
prnvdsdn
sdnb
b nc 
hssdsthbea `y tma FNM>
h. Hrahs wmara stufdas/rasahremas nb mahjtm hra enbfuetaf
`. Uajaetaf hrahs db tma edty
e. Hrahs raenooabfaf `y invarboabt /jnehj nccdedhjs
f. Jass favajnpaf hbf fasarvdbi jnehj invarboabt ubdts
HBUYAP7 F.
PHVDNBHJA7 Nba nc tma `hsde prdbedpjas ds tn hemdava doprnvaoabt db mahjtm ds
tma mahjtm hbf butrdtdnb nc vujbarh`ja irnups oust `a prdnrdtdzaf.

6. Ymdem nc tma cnjjnwdbi hssdsthbea ds/hra chr idvab `y tma FNM tn tma JIQ>
h. \rnvdfa mahjtm dbcnrohtdnb sthtdstdes hbf ntmar baeasshry fhth
`. Hjj nc tmasa cnros nc hssdsthbea
e. Absura tmht pu`jde mhva heeass tn mdimar hbf onra hfvhbeaf chedjdtdas
f. Onbdtnr hbf avhjuhta jnehj mahjtm prngaets, prnirhos hbf sarvdeas
HBUYAP7 @.
PHVDNBHJA7 Hjj nc tmasa hra idvab `y tma FNM tn tma JIQ, tmay `ntm wnrk mhbf-
db-mhbf.
 

1. \rdohry mahjtm ehra hs h strhtaiy db tma fajdvary nc mahjtm ehra sarvdeas ds `ast
emhrhetardzaf `y7
enooubdt y
h. Assabtdhj mahjtm sarvdeas heeassd`ja hbf heeapth`ja tn tma enooubdty
`. \hrtbarsmdp `atwaab hbf honbi tma mahjtm wnrkars
e. \rnvdsdnb nc mahjtm sarvdeas ht tma fdstrdet javaj
f. Vnp-fnwb faedsdnb ohkdbi
HBUYAP7 H.
PHVDNBHJA7 Assabtdhj mahjtm ehra ohfa ubdvarshjjy heeassd`ja tn dbfdvdfuhjs hbf
chodj
cho djda
das
s db tma enoo
enooub
ubdt
dty
y `y oahb
oahbss heea
heeapt
pth`
h`ja
ja tn tm
tmao
ao,, tm
tmrnu
rnuim
im tmadr
tmadr cu
cujj
jj
phrtd
phrtded
edph
phtd
tdnb
nb hbf
hbf ht enst
enst tmht
tmht tm
tma
a enoo
enooububdt
dty
y ehb
ehb hccnrf
hccnrf ht avar
avary
y sthia
sthia nc 
favajnpoabt.

3. Vma cnjjnwdbi hra strhtaidas nc prdohry mahjtm ehra, A]EA\V7

h. Panrdabthtdnb hbf ranrihbdzhtdnb nc tma mahjtm ehra systaos wdtm tma asth`jdsmoabt nc 
cubetdnbhj suppnrt oaemhbdso db suppnrt nc tma ohbfhta nc favnjutdnb ubfar tma jnehj
invarboabt enfa nc 8448.
`. Accaetdva praphrhtdnb hbf abh`jdbi prneass cnr mahjtm hetdnb ht hjj javajs.
e. On`djdzhtdnb nc tma panpja tn kbnw tmadr enooubdtdas hbf dfabtdcydbi tmadr `hsde mahjtm
baafs wdtm tma abf db vdaw nc prnvdfdbi hpprnprdhta snjutdnbs jahfdbi tn sajc-rajdhbea hbf
sajc-fatarodbhtdnb.
f. Bnba nc tma h`nva
HBUYAP7 H.
PHVDNBHJA7 Vmds ds tma jaidsjhtaf Papu`jde Het Bn. 983<.

9. Vma favnjutdnb nc mahjtm sarvdeas tn tma jnehj invarboabt ubdt whs ohbfhtaf `y7
h. P.H 983<
`. Axaeutdva Nrfar 18
e. P.H. 95<1
f. P.H. 9836
HBUYAP7 H.
PHVDNBHJA7 Vma 84=9 \mdjdppdba
PHVDNBHJA7 \mdjdppdba Enbstdtutdn
Enbstdtutdnb b ohbfhtaf
ohbfhtaf tma Enbirass tn ‚abhet
h jn
jneh
ehjj inva
invarb
rboa
oabtbt enfa
enfa wmde
wmdem
m smhj
smhjjj pr
prnv
nvdf
dfaa cnr
cnr h onra
onra rasp
raspnb
nbsd
sdva
va hbf
hbf
heen
he enub
ubthth`j
`ja
a jnjneh
ehjj inva
invarb
rboa
oabt
bt st
stru
ruet
etur
ura
a dbst
dbstdt
dtut
utaf
af tmrn
tmrnui
uimm h syst
systao
ao nc 
faeabtrhjdzhtdnb wdtm accaetdva oaemhbdsos nc raehjj, dbdtdhtdva hbf racarabfuo,
hjjnehta honbi tma fdccarabt jnehj invarboabt ubdts tmadr pnwars, raspnbsd`djdtdas,
hbf rasnure
rasnureas,as, hbf prnvdf
prnvdfaa cnr tma quhjdc
quhjdcdeh
dehtdn
tdnbs,
bs, ajaetd
ajaetdnb,
nb, hppndb
hppndbtoab
toabtt hbf
raonvhj, taro, shjhrdas, pnwars hbf cubetdnbs hbf futdas nc jnehj nccdedhjs, hbf hjj
ntmar ohttars rajhtdbi tn tma nrihbdzhtdnb hbf nparhtdnb nc tma jnehj ubdts (Uaetdnb
5, Hrtdeja ]).‟ Db raspnbsa tn tmds Enbstdtutdnbhj fdraetdva, tma Enbirass jaidsjhtaf
tma Papu`jde Het Bn. 983<, ntmarwdsa kbnwb hs tma Jnehj Invarboabt Enfa nc 
8448 (marahctar Enfa), wmdem whs sdibaf dbtn jhw nb Netn`ar 8<, 8448 hbf tnnk
accaet nb Ghbuhry 8, 8440.
 

=. Ymht ehra strhtaiy mhs tma Faphrtoabt nc Mahjtm usaf cnr heeassd`djdty nc mahjtm>
h. Faraiujhtdnb nc mahjtm sarvdeas
`. Paidnbhjdzhtdnb nc mahjtm sarvdeas
e. npabdbi `hrhbihy wajjbass ejdbdes
f. \rdohry Mahjtm Ehra
HBUYAP7 F.
PHVDNBHJA7 \rdohry mahjtm ehra ds tma assabtdhj
PHVDNBHJA7 assabtdhj mahjtm ehra ohfa ubdvarshjjy
ubdvarshjjy
heeassd`ja tn dbfdvdfuhjs hbf chodjdas db tma enooubdty `y oahbs heeapth`ja tn
tmao, tmrnuim tmadr cujj phrtdedphtdnb hbf ht enst tmht tma enooubdty ehb hccnrf ht
avary sthia nc favajnpoabt..

4. Ymdem nc tma cnjjnwdbi mar`hj ehb `a raenooabfaf cnr seh`das>

h. khkhwhtd crasm jahvas
`. khyodtn jahvas
e. kh`uyhn jahvas
f. jhiubfd jahvas
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7 A7 Jhiubf
Jhiubfdd jahvas
jahvas ehb `a usaf
usaf cnr hstmoh,
hstmoh, enuim
enuim hbf enjfs,
enjfs, cavar,
cavar,
fysabtary, phdb, hbf skdb fdsahsas (seh`das, ujear, aezaoh), wnubfs.

8<. Ymdem nc tma cnjjnwdbi hjtarbhtdva ehra ehb `a raenooabfaf cnr hjjavdhtdbi phdb `y
hppjydbi prassura nb tma `nfy surcheas>
h. Heupubetura
`. Heuprassura
e. Hrnohtmarhpy
f. \rhbde Mahjdbi
HBUYAP7 @.
PHVDNBHJA7 Heuprassura ds h oatmnf nc mahjdbi hbf mahjtm prnontdnb tmht usas
tma hppjdehtdnb nc prassura nb heupubetura pndbts wdtmnut pubeturdbi tma skdb.

88. Umnujf ynu tahem h oao`ar nc mnusamnjf nb tma usa nc bdyni-bdyuihb, wmht
pnssd`ja fdsahsa enbfdtdnb enujf `a raoafdaf>
h. phrhsdtdso
`. bnba nc tmasa
e. cavar 
f. Enbstdphtdnb
HBUYAP7 H.
PHVDNBHJA7 Hbtmajodbtdes hra h typa nc oafdedba tmht kdjjs majodbtms. Majodbtms
hr
hraa wnro
wnro-j-jdk
dka
a phrhs
phrhsdt
dtas
as suem
suem hs cj cjuk
ukas,
as, rn
rnub
ubfw
fwnrnros
os,, hbf
hbf thpaw
thpawnr
nros
os.. Dt ds
dopnrthbt tmht hbtmajodbtdes hra sajaetdvajy tnxde tn tma phrhsdta hbf bnt tma mnst.
 

UHU 8<
Emaek cnr Qbfarsthbfdbi
8. H bursa faonbstrhtaf ehrdbi `y majpdbi tma chodjy oao`ars tn7 Uajaet tmht hjj hppjy.
h. @aenoa hetdva phrtdedphbts db ehra
`. Paonva tmaosajvas crno parsnbhj ehra
e. Ohka mahjtm ehra faedsdnb cnr tma phtdabt
f. Mhva ubdbtarruptaf tdoa cnr chodjy hbf phtdabt tn `a tniatmar 
a. Mhva nppnrtubdtdas cnr tma chodjy tn fdseuss tmadr enbearbs
HBUYAP7 H., F., A.
PHVDNBHJA7 Vmasa hra tma emhrhetardstdes nc h chodjy hs h ejdabt.

0. Ymdem nc tma cnjjnwdbis onst irahtjy hccaets h chodjy—s heeass tn hfaquhta mahjtm
ehra, nppnrtubdty cnr afuehtdnb hbf snubf butrdtdnb>
h. Favajnpoabt
`. Chodjy cubetdnb
e. Chodjy struetura
f. Aenbnode sth`djdty
HBUYAP7 F.
PHVDNBHJA7 Cdbhbea ds nba nc tma `diiast chetnrs hbf baafs nc h chodjy.
5. Ymdem nc tma cnjjnwdbi chodjy hssassoabt hra onst dopnrthbt cnr sueeasscuj chodjy
ehraidvdbi> Uajaet tmht hppjy7
h. Afuehtdnbhj javaj nc chodjy oao`ars
`. Eujturhj racarabeas
e. Enjjh`nrhtdnb `atwaab chodjy oao`ars
f. Unedhj suppnrt
a. Enbcjdet rasnjutdnb prhetdeas
HBUYAP7 E., F., A.
PHVDNBHJA7 Vmasa hra gust enoa nc tma `amhvdnrs dbfdehtdbi h wajj chodjy.

6. Ymdem nc tma cnjjnwdbi pmhsas nc phrabthj prneass tmht emhbidbi dfabtdtdas hbf rnja nc 
`ntm mus`hbf hbf wdca hra snureas nc hbxdatdas enbearbs>
h. Asth`jdsmoabt \mhsa
`. Axpaethbt \mhsa
e. \hrabtarhj \mhsa
f. Bnba nc tma h`nva
HBUYAP7 F.
PHVDNBHJA7 Vmds ds tma hutmnrdthtdva sthia nb wmdem tmay mhva tn jahrb tn heeapt
tmadr hutmnrdty hbf faedfa mnw ouem enbtrnj tmay baaf tn axaredsa nb tmadr emdjf.

1.  \hrtdeuj
\hrtdeujhr
hr snedathj trabfs ohy mhva hb dbcjuabea
dbcjuabea nb tma nvarhjj mahjtm nc chodjdas hbf
erahta h emhjjabia cnr mahjtm ehra prnvdfars, aspaedhjjy tma bursas. Nc tma cnjjnwdbi
trabfs, wmdem raprasabts tma irahtast eurrabt mahjtm ehra emhjjabia tn bursas>
h. Udbija-phrabt chodjdas
`. ‚Uhbfwdemaf‟ nr odffja iabarhtdnb
 

e. Hjtarbhta rajhtdnbsmdp phttarbs

f. ‚Mnoajassbass‟
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7
A7 Nba nc tma chodjy
chodjy thsks ds pmysde
pmysdehj
hj ohd
ohdbta
btabhb
bhbea
ea db wmdem
wmdem tmasa
tmasa
tm
tmdb
dbis
is smnu
smnujfjf `a prnv
prnvdf
dfaf
af - cn
cnnf
nf,, smaj
smajtar
tar,, ejntm
ejntmdb
dbi,
i, hbf
hbf mahj
mahjtm
tm ehra
ehra tn dts
dts
oao`ars `adbi earthdb tmht h chodjy mhs hopja rasnureas tn prnvdfa.

3. Ymab h bursa ds wnrkdbi wdtm chodjdas, tma bursa ohy vdaw tma chodjy hs enbtaxt nr 
ejdabt. Ymdem nc tma cnjjnwdbi axhopjas faonbstrhtas tma vdaw nc tma chodjy hs enbtaxt>
h. Vma ejdabt—s h`djdty tn ubfarsthbf hbf ohbhia mds nr mar nwb fdathry baafs
`. Vma chodjy—s h`djdty tn suppnrt tma ejdabt—s fdathry hbf raerahtdnbhj baafs
e. Vma hfgustoabt nc tma ejdabt hbf chodjy tn emhbias db fdat hbf axaredsa
f. Vma chodjy—s faohbfs nb tma ejdabt `hsaf nb mds nr mar rnja parcnrohbea
HBUYAP7 H.
PHVDNBHJA7 Ymab tma bursa vdaws tma chodjy hs enbtaxt, tma prdohry cneus ds nb
tma mahjtm hbf favajnpoabt nc hb dbfdvdfuhj oao`ar axdstdbi wdtmdb tma ejdabt's
chodjy. Vma ejdabt's h`djdty tn ubfarsthbf hbf ohbhia mds nr mar nwb fdathry baafs
faonbstrhtas tma vdaw nc tma chodjy hs enbtaxt. Vma chodjy's h`djdty tn suppnrt tma
ejdabt's fdathry hbf raerahtdnbhj baafs faonbstrhtas tma vdaw nc tma chodjy hs

ejdabt. Vma chodjy's

faonbstrhtas faohbfs
tma vdaw nc tmanb tma ejdabt
chodjy `hsaf
hs ejdabt. nbhfgustoabt
Vma mds nr mar rnja parcnrohbea
nc tma ejdabt hbf
chodjy tn emhbias db fdat hbf axaredsa faonbstrhtas tma vdaw nc tma chodjy hs
ejdabt. Bursdbi prhetdea tmht cneusas nb chodjy hs ejdabt ds hjsn kbnwb hs chodjy
systaos bursdbi.

9. Bursa Ghy ds n`sarvdbi cnr tma sdibs nc h mahjtmy chodjy. Db hb hssassoabt nc h

mahjtmy chodjy, bursa Ghy axpaets tn cdbf tmht7
h. Odbdohj dbcjuabea ds axartaf nb tma abvdrnboabt.
`. Vma struetura ds cjaxd`ja abnuim tn hfhpt tn erdsas
e. H phssdva raspnbsa axdsts tn strassnrs.
f. Emhbia ds vdawaf hs fatrdoabthj tn chodjy prneassas
HBUYAP7 @.
PHVD
PH VDNB
NBHJ
HJA7
A7 H mahj
mahjtm
tmy
y chodj
chodjy
y mhs
mhs h cj
cjax
axd`
d`jaja strue
struetu
tura
ra tmht
tmht hjjn
hjjnws
ws hfhp
hfhpth`
th`ja
ja
parcnrohbea nc thsks hbf heeapthbea nc majp crno nutsdfa tma chodjy systao. Vma
struetura ds cjaxd`ja abnuim tn hjjnw hfhpth`djdty `ut bnt sn cjaxd`ja tmht tma chodjy
jh
jheks
eks enma
enmasd
sdvab
vabas
ass
s hbf
hbf h sabsa
sabsa nc st
sth`
h`dj
djdt
dty.
y. Vma
Vma mahj
mahjtm
tmy
y chod
chodjy
jy ds h`ja
h`ja tn
dbtairhta tma baaf cnr sth`djdty wdtm tma baaf cnr irnwtm hbf emhbia. Dt fnas bnt
vdaw emhbia hs fatrdoabthj tn chodjy prneassas. Vma mahjtmy chodjy faonbstrhtas
enbtrnj nvar tma abvdrnboabt hbf fnas bnt phssdvajy raspnbf tn strassnrs. Vma
mahj
ma hjtm
tmy
y chod
chodjy
jy axar
axarts
ts dbcj
dbcjua
uabe
bea
a nb tma
tma dooa
dooafd fdht
hta
a abvd
abvdrn
rnbo
boababtt nc mnoa
mnoa,,
badim`nrmnnf, hbf semnnj.

=. Bursa Jubh ds vdsdtdbi Ors. \hbhjn hbf mar chodjy db tma enooubdty cnr tma cdrst tdoa.
Db enopjatdbi Ors. \hbhjn hbf mar chodjy—s hssassoabt, tma bursa smnujf `aidb `y7
h. Avhjuhtdbi enooubdehtdnb phttarbs
`. Vastdbi tma chodjy—s h`djdty tn enpa
 

e. Fatarodbdbi tma chodjy—s struetura hbf httdtufas

f. Ihtmardbi tma mahjtm fhth crno hjj tma chodjy oao`ars
HBUYAP7 F.
PHVDNBHJA7 Vma bursa `aidbs tma chodjy hssassoabt `y fatarodbdbi dssuas tmht
hra partdbabt tn tma ejdabt's wajj-`adbi. Furdbi tma hssassoabt tma bursa, ejdabt,
hbf chodjy
chodjy enjjh`
enjjh`nrht
nrhtdva
dvajy
jy abihia
abihia db enbvars
enbvarshtd
htdnb
nb tn systao
systaohtd
htdehj
ehjjy
jy enjjae
enjjaett
db
dbcn
cnro
rohtd
htdnb
nb hbf
hbf raracj
cjaet
aet nb tma ds dssu
suas
as dopn
dopnrth
rthbt
bt tn tma ejda
ejdabt
bt's
's wajj
wajj-`a
-`adb
dbi.
i.
Ihtmardbi mahjtm fhth crno tma chodjy oao`ars ds bnt tma sthrtdbi pndbt cnr h
chodjy
cho djy hssassoa
hssassoabt. bt. Vastdbi
Vastdbi h chodjy
chodjy's
's h`djdt
h`djdty
y tn enpa
enpa ds bnt wmara tma bursa
smnujf `aidb h chodjy hssassoabt. Avhjuhtdbi enooubdehtdnb `hrrdars wnujf bnt
`a hb dbdtdhj hetdnb nc tma bursa wmab enopjatdbi h ejdabt's chodjy hssassoabt.

4. Bursa Umaabh ds vdsdtdbi tma ejdabt hbf chodjy db tma mnoa hctar tma ejdabt—s fdsemhria
crno tma Emhbid Oafdehj Eabtar. Bursa Umaabh saaks tn hssdst tma ejdabt tn raturb tn tma
mnoa abvdrnboabt. Db dopjaoabtdbi chodjy-eabtaraf ehra, tma bursa7
h. Hssdsts chodjy oao`ars tn hssuoa fapabfabt rnjas
`. \rnvdfas mds nr mar nwb `ajdacs nb mnw tn snjva prn`jaos
e. Nccars dbcnrohtdnb h`nut baeasshry sajc-ehra h`djdtdas
f. Ynrks wdtm ejdabts tn majp tmao heeapt `jhoa cnr tmadr dbtarhetdnbs
HBUYAP7
PHVD
PH VDNB
NBHJ E.
HJA7
A7 Vma
Vma burs
bursa
a oust
oust cdcdrst
rst hsk
hsk tm
tma
a ejda
ejdabt
bt dc sma
sma h`ja
h`ja tn fn sajc
sajc-e
-ehr
hra
a
hetdvdtdas, hbf dc sma shys yas tmab prneaaf wdtm tahemdbi mar tmab tma chodjy cnr 
hssdsthbea.

8<. Bursa Pn`art ds n`sarvdbi tma dbtarhetdnb nc chodjy oao`ars furdbi h mnoa vdsdt.
Bursa Pn`art raenibdzas tmht tma nptdohj inhj nc accaetdva enooubdehtdnb wdtmdb tma
chodjy ds7
h. @attar cdbhbedhj enbfdtdnbs cnr tma chodjy
`. Unedhjdzhtdnb honbi dbfdvdfuhj oao`ars
e. \rn`jao snjvdbi hbf psyemnjnidehj suppnrt
f. Pnja favajnpoabt nc dbfdvdfuhj oao`ars
HBUYAP7 E.
PHVDNBHJA7 Enooubdehtdnb ds assabtdhj db h chodjy hs tmds wdjj majp dbenrpnrhta
pmysdehj, psyemnsnedhj hbf eujturhj hspaets nc tma chodjy hjnbi wdtm dbtarhetdbi
rajhtdnbsmdps.
 

UHU 88
Emaek cnr Qbfarsthbfdbi
8. H bursa ds praphrdbi tn enbfuet dbtarvdaw survay. Ymdem nc tma cnjjnwdbi fhth smnujf
tma bursa enjjaet hs h enopnbabt nc tma hssassoabt (Uajaet tmht hjj Hppjy7
h. Chodjy struetura, emhrhetardstdes hbf fybhode
`. Dbfdvdfuhj wmn mnjfs pnwar wdtmdb tma enooubdty
e. atmbde `hekirnubf hbf rajdidnus hccdjdhtdnb
f. strass ohbhiaoabt nc ntmar mahjtmy jdcastyja hetdvdtdas
HBUYAP7 H., E., F.
PHVDNBHJA7
PHVDN BHJA7 Hbntmar ohgnr oatmnf nc fhth ihtmardbi
ihtmardbi ds tma dbtarvdaw hbf tmay
ehb `a tmrnuim enopjatdbi h mahjtm mdstnry hbf/nr enjjaetdbi fhth `y parsnbhjjy
hskdbi sdibdcdehbt chodjy oao`ars nr rajhtdvas.

0. H bursa ds enopjatdbi h baaf hssassoabt hbf `aidbbdbi hbhjysds nc fhth. Ymdem nc 
tma cnjjnwdbi hetdnbs smnujf tma bursa thka cdrst>
h. Fatarodba mahjtm phttarbs wdtmdb enjjaetaf fhth
`. Enopdja enjjaetaf fhth dbtn h fhth`hsa
e. Absura fhth enjjaetdnb ds enopjata
f. Dfabtdcy mahjtm baafs nc tma chodjy
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Qtdjdzdbi
Qtdjdzdbi tma fhth iabarhtaf crno tma tnnj nb dbdtdhj `hsa db chodjy
chodjy
bursd
bu rsdbi
bi prprhe
hetd
tdea,
ea, tm
tma
a burs
bursaa inas
inas tmtmrnu
rnuim
im fhth
fhth hbhj
hbhjys
ysds
ds.. Uma
Uma snrt
snrts
s nut
nut hbf
hbf
ejhssdcy
ejhssd cy nr irnup fhth `y typa nr bhtura (a.i., wmdem
wmdem hra wajjbass sthtas, tmrahts,
tmrahts,
facdedts
facdedts nr strass pndbts/cnra
pndbts/cnrasaah`j
saah`jaa erdsds.
erdsds. Uma rajhtas
rajhtas tmao wdtm ahem ntmar hbf
fataro
fat arodba
dbass phttarb
phttarbs s nr raneeur
raneeurrdb
rdbi
i tmaoas
tmaoas honbi
honbi fhth.
fhth. Uma tmab enophras
enophras
tmasa fhth hbf tma phttarbs nr raneeurrdbi tmaoas wdtm bnros nr sthbfhrfs.

5. H bursa ds enjjaetdbi fhth tn dfabtdcy mahjtm baafs db tma chodjy. Ymdem nc tma cnjjnwdbi
axhopjas smnujf tma bursa dfabtdcy hs saenbfhry fhth> Uajaet tmht hjj hppjy.
h. @drtm sthtdstdes
`. \ravdnus mahtm survay
e. Dbtarvdaw survay
f. Enooubdty cnruo
a. Mahjtm raenrfs
HBUYAP7 H., @., A.
PHVDN
PHV DNBHJ
BHJA7
A7 Uaenbf
Uaenbf-ja
-javaj
vaj hssasso
hssassoabt
abt fhth
fhth dbejuf
dbejufas7
as7 spaedc
spaedcyy nr faserd
faserd`a
`a tma
chodjy—s rahjdtdas, pareaptdnbs h`nut hbf httdtufas, hbf parcnrohbea nc mahjtm thsk
nb ahem mahjtm enbfdtdnb nr prn`jao dfabtdcdaf furdbi tma cdrst javaj hssassoabt.

6. H bursa ds enbfuetdbi h chodjy hssassoabt. Ymdem nc tma cnjjnwdbi fhth enjjaetdnb

oatmnfs
oatm nfs ds tma bursa
bursa usdbi
usdbi wmab
wmab mhvdbi
mhvdbi fdraet
fdraet enbvarsh
enbvarshtdnb
tdnb wdtm dbfdvdf
dbfdvdfuhj
uhj db tma
chodjy>
h. Kay dbcnrohbt dbtarvdaw
`. \hrtdedphbt n`sarvhtdnb
e. Cneus irnup
 

f. Mahjtm survay
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Vmds ds tma saenbf typa dbtarvdaw
dbtarvdaw ds enjjaetdbi
enjjaetdbi fhth `y parsnbhjjy
parsnbhjjy
hskdbi sdibdcdehbt chodjy oao`ars nr rajhtdvas quastdnbs raihrfdbi mahjtm, chodjy
jdca
jdca axpa
axpard
rdab
abea
eass hbf
hbf mnoa
mnoa abvd
abvdrn
rnbo
boab
abtt tn iaba
iabarh
rhta
ta fhth
fhth nb wmht
wmht wajj
wajjba
bass
ss
enbfdtdnb hbf mahjtm prn`jaos axdst db tma chodjy (cdrst javaj hbf saenbf javaj nc 
hssass
hss assoab
oabt).
t). Dbcnroh
Dbcnrohbt
bt dbtarvd
dbtarvdaws
aws hra fdraet
fdraet enbvars
enbvarshtd
htdnbs
nbs wdtm
wdtm dbfdvd
dbfdvdfuh
fuhjj
enooubdty oao`ars cnr tma purpnsa nc n`thdbdbi dfahs hbf npdbdnbs.

  H bursa ds
1. H ds pjhbbdbi
pjhbbdbi h chodjy mahjtm
mahjtm prnirho.
prnirho. Ymdem
Ymdem nc tma cnjjnwdbi
cnjjnwdbi hetdnbs
hetdnbs smnujf
smnujf tma
bursa dbejufa hs phrt nc tma avhjuhtdnb pjhb>
h. Fatarodba hvhdjh`djdty nc rasnureas tn dbdtdhta tma pjhb
`. Ihdb hpprnvhj cnr tma prnirho crno tma chodjy jahfars
e. Asth`jdsm h tdoajdba cnr dopjaoabthtdnb nc dbtarvabtdnb
f. Enophra prnirho dophet tn sdodjhr prnirhos
HBUYAP7 F.
PHVD
PH VDNB
NBHJ
HJA7
A7 Vma
Vma burs
bursa a smnu
smnujf
jf dbej
dbejuf
ufaa h enop
enophrd
hrdsn
snb
b nc prni
prnirho
rho doph
dophet
et tn
sdodjhr prnirhos hs phrt nc tma avhjuhtdnb pjhb. Vmds enophrdsnb hssdsts wdtm
fatarodbdbi tma accdedabey nc tma prnirho.
 

UHU 80
Emaek cnr Qbfarsthbfdbi
Fatarodba tma chodjy mahjtm prn`jaos db h idvab sdtuhtdnb (Euas/Fhth)
Euas hbf Fhth Cdrst Javaj Uaenbf Javaj
8. 59 yahrs njf ontmar nc  8. \rasabea nc strass 8. Dbh`djdty tn raenibdza
savab ht 08 waaks HNI, pndbts/cnrasaah`ja pras
prasababea
ea nc h pnsspnssd`
d`ja
ja
wdt
dtm
m @\ nc 86</4< /4< hbf erdsds sdtuhtdnbs enopjdehtdnb nc  
sjdimt
sjdimt pafh
pafhjj afaoh
afaoh;; wt.7
wt.7 - \nssd`ja praibhbey fua tn jhek nc 
88= j`s. Enopjdehtaf kbnwjafia
 Ontmar var`hjdzaf ‚… \raibhbey 0. Dbh`djdty tn prnvdfa
D fdf bnt mhva hfaquhta bursdbi ehra tn
pr
prn`
n`ja
jaos
os furd
furdbi
bi oy Phtdnbhja7 @y hia 51, tma h prai
praibhb
bhbtt oao`a
oao`arr fua
fua
pravdnus
pravdnu s praibhbedas,
praibhbedas, nffs nc enbeadvdbi hctar 5 tn7
hbf avab wdtm oy onbtms nc trydbi hra h`nut  H. Jhek nc kbnwjafia
kbnwjafia nb
prasabt
pra sabt praibh
praibhbey…
bey… 80 pare
pareab
abt.t. Vma
Vma rdsk
rdsk cnr 
cnr  tma bhtura hbf
Dt gust mhppabs tmht D odsehr
ods ehrrdh
rdhia
ia hbfhbf iaba
iabatde
tde ohbh
oh bhiiaoabt
abt nc tma
phssas `y tma mahjtm h`bnrohj
h`bn rohjdtdas
dtdas hjsn `aidbs
`aidbs mahjtm enbfdtdnb
eabtar nb oy why tn tn rdsa hctar hia 51. Vma @. Jhek
Jhek nc kbn
kbnwjaf
wjafia
ia nb
oy db-jhws sn D ontm
on tmar
ar ododim
imtt chea
chea onra
onra tma bhtu
bhtura
ra hbf
hbf axtab
axtabtt
tmnuimt nc frnppdbi `y enopjdehtdnbs db mar  nc bursdbi ehra baafaf
tma ejdbde…. @ut praibhbey nr furdbi 5. Chdjura tn utdjdza
hetuhjjy, D caaj fajd
fa jdv
vary
ary mhvd
mhvdbi
bi h `h`y
`h`y enooubdt
enoo ubdty
y rasnure
rasnureas
as cnr 
hjrdimt…... D fnb—t tmdbk jhtar db jdca. mahjtm ehra fua tn7
D mhva tn wnrry  H. Chdjura tn pareadva
pareadva
`aeh
`a ehus
usaa D mhva
mhva mhf mhf `abacdts nc mahjtm ehra
sav
sa vab pr
prai
aibh
bhbe
bedadass @. \mys
\mysdeh
dehjj dbhee
dbheeass
assd`d
d`djdt
jdty
y
hbf tmay wara hjj nc raqudraf
bnrohj
 @usy wdtm wnrk hs cdsm
vabfnr, mhrfjy mhs tn
in tn tma mahjtm eabtar 
cnr cnjjnw up
 Mahjtm eabtar ds 5 ko.
crno tma mnusa
 Jh`nrhtnry cnr  
urdb
dbh
hjy
jys
sds ds 8< ko
hwhy, bnt sdtu dtuhta
htaf
wdtmdb tma enooubdty
0. Pd
Pdbh
bh,, tmtmra
raa-
a-ya
yahr
hr-n
-njfjf,, 0. \rasabea nc mahjtm 8. Dbh`
Dbh`dj
djdt
dty
y tn raeni
raenibd
bdza
za tma
wadims 8< kis, jnnk phja, facdedt prasabe
pras abea a nc ohjbutrd
ohjbutrdtdnb
tdnb
jatmhr
jatmhride
ide hbf hphtm hphtmatatde,
de, - Ohjbutrdtdnb hs h db h fapa
fapabf
bfabt
abt oao`a
oao`ar  r 
ohrkafjy ubfarwadimt
ubfarwadimt hbf mahjtm facdedt fua tn jhek nc kbnwjafia
ubfarbnurdsmaf 0. Dbh`
Dbh`dj
djdt
dty
y tn faedf
aedfa
a h`nu
h`nutt
 Onttmar
On var
ar`
`hjdz
jdzaf Phtdnbhja7
Phtdnbhja7 Vmraa-yahr-njf
Vmraa-yahr-njf thkdbi hpprnprdhta mahjtm

‚P
‚Pdb
dbh
`udjthsdbea
ds ra
rahj
hjjy
smajy whs hj idrjs
sohj
sohjj dbemasrhbia crno hbf
db madimt 51 tn01.1
6< hetd
hetdnb
nbramabf
enopram
enop fua
fua tntmachdj
abf chdjur
ura
a ra,
tn
bhtura,
bhtu
 

`h`y. Uma ds bnt cnbf tn 5=.1 pnubfs db wadimt. ohibdtufa

ohibdtuf a hbf senpa
senpa nc 
nc ahtdbi tnn.‟ Ohjbutrdtdnb dbejufas tma prn`jao
 Vmra
raa
a pr
pra
asem
semnnj ubfarbutrdtdnb
nnjar  hbf 5. Dbh`djdty tn prnvdfa
oao`ars
oao` ars usuhjjy
usuhjjy hranvarbutrdtdnb, `ntm nc  hfaquhta bursdbi ehra tn
ja
jact
ct tn eh
ehra
ra nc adim wmdem
wm
adimt-
t- dem ehb jahf
jahf tn mahjtm
mahjtm h oao`ar succardbi crno
yahr-
yahr-njf
njf sdstar
sdstar wmab
wmabprn`
prn`ja
jaos
os hbfhbf butr butrdt
dtdn
dnb
b ohjbutrdtdnb fua tn7
facdedabedas dc bnt  H. Jhek nc kbnwjafia
kbnwjafia
phrab
ph rabts
ts hr
hra
a wnrk
wnrkdbi
dbi
hbf ntmar emdjfrab hra hffrassaf. h`nut tma mahjtm
db semnnj enbfdtdnb
@. Jh
Jhek
ek nc kbn
kbnwj
wjaf
afia
ia nbnb
tma bhtura hbf axtabt
nc bursdbi ehra
baafaf
E. Dbhfa
Dbhfaququhta
hta rasnure
rasnureasas
cnr ehra, d.a.,
ras
raspnbsd`ja
d`ja chod
chodjyjy
oao`ar hbf cdbhbedhj
enbstrhdbts
5. Vmr
mraa
aa pr
pras
ase
emnnj
mnnjar
ars
s 5. \rasabea nc mahjtm 8. Dbh`djdty tn prnvdfa
mhva seh`das facdedt hfaquhta bursdbi ehra tn
Ontmar
Ontm ar var`hjd
var`hjdzaf
zaf,, - Ueh`das hs mahjtm prasemnnjars wdtm seh`das
‚D mhva suem h jnt nc  facdedt fua tn7
tmdbis tn httabf tn  H. Jhek nc kbnwjafia
kbnwjafia
hs h cdsm vabfnr  Phtdnbhja7 Ueh`das ds h`nut tma mahjtm
tmht D enujf prdoh
prdohrdj
rdjy
y tma dbsthb
dbsthbeaea nc  enbfdtdnb
mhrfjy saa tma chdjura hbf mahjtm @. Dbhf
Dbhfaq
aquh
uhta
ta
baafs nc tma ohdbta
ohd btabh
bhbea
bea `aeh
`aehusa
usa dt kbnwjafia nc tma
emdjfrab…… prasabts ejdbdehjjy hs bhtura
bhtura hbf
hbf axtab
axtabtt nc 
Chodj
hodjy
y dben
dbenoaoa ds axtraoajy prurdtde bursdbi ehra baafaf
\1<<.<< h fhy axen
axenrdrdht
htaf
af phpu
phpujajas
s hbf
hbf E. Dbhfaquhta chodjy
Yhtar suppjy ds jdba
jdbahr
hr `urr
`urrnw
nws s hbf
hbf tma
tma rasn
rasnur
urea
eas
s cnrcnr ehra
ehra,,
thkab crno h pu`jde skdb. Vmds dbcasthtdnb spaedcdehjjy7
wajj ¿ ko, crno tma prafd
prafdsp
spnsa
nsass tn `heta
`hetardh
rdhjj 
Paspnbsd`ja
mnusa sk
skdb
db dbca
dbcaet
etdn
dnbs
bs tmht
tmht ehehbb chodjy oao`ar 
rasujt db sardnus  Cdbhbedhj
enopjdehtdnbs
enopjdeh tdnbs hccaetdbi tma rasnureas
kdfba
kdfbays
ys hbf
hbf pnss
pnssd`j
d`jy
y tma
tma  \mysdehj
mahrt. rasnur
rasnurea eas
s d.a.,
d.a.,
whtar suppjy
chedjdtdas
 

UHU 85
Emaek cnr Qbfarsthbfdbi
Mahjtm Chodjy Bursdbi Inhjs N`gaetdvas
\rn`jaos \rn`jaos
Ueh`das hs 8. Dbh`djdty tn  Hctar bursdbi  Hctar bursdbi

Mahjtm Facdedt p
brunrs
vddb
fa
i ehhrafaquhtta
n dbta
db
cntar
jjnrw
vadbbitdnb
tdnb,, tma
tmra
h a dcnjjnwdbi
btarvabtdnsmnujf
b, ma
`a
prasemnnjars wdtm axpa
xpaetaftaf tn thka hka hemdavaf7
seh`das fua tn7 pjhea7 8. Vma chodjy
h. Jhek nc kbnwjaf jafia 8. Vma emhb emhbe eas nc  smnujf
smnu jf hequdra
hequdra
h`nut tma mahjtm sprahfdbi hfaquhta
enbfdtdnb enooubdeh`ja dbcnrohtdnb
`. Dbh
Dbhfaquhta fdsahsas tn tma h`nut tma
kbnw
kb nwja
jafi
fia
a nc tma tma ntma
ntmarr oao` oao`ar 
ar  fdsahsa,
bhtura hbf axtabt nc  nc tma chodjy dbejufdb
dbejufdbii sdibs
sdibs
bursdbi ehra 0. Vma hbf syoptnos
syoptnos
baafaf raneeurrabea
raneeur rabea nc  nc tma fdsahsa,
e. Dbhfaquhta chodjy seh`das
seh `das honbi
honbi dooafdhta
rasnurea
rasn ureas s cnr ehra,
ehra, chodjy oao`ars mahjtm ehra
spaedcdehjjy7 wdjj `a hssdsthbea
hssdsthbe a hbf
- Paspn
Paspnbsd bsd`j
`ja
a chodjy
chodjy pravabtaf nr  pravabtdva
oao`ar  odbdodzaf oahsuras.
- Cdbh
dbhbedh
edhj 0. Fdseuss wdtm
rasnureas tma
tma chod
chodjy
jy tma
tma
- \mys
\mysdehdehjj rasnu
rasnurea
reass enbsaquabeas
d.a.,
d.a., whtar
whtar suppsuppjyjy nc chdjdbi tn
chedjdtdas thka
hpprnprdhta
mahjtm
mah jtm he
hetdn
tdnbs
bs
ht tma
tma ahrj
ahrjda
dast
st
pnssd`ja tdoa.

Dbtarvabtdnb Oatmnfs nc Bursdbi Pasnureas Avhjuhtdnb

Oatmnfs Chodjy Enbtrhet Paqudraf
8. Fdseuss wdtm Mnoa Sdsdt 8. Sdsu
dsuhj Hdf  Hctar 5 waaks nc 
tma chodjy 0. Vdoa
doa hbf
hbf accn
accnrt
rt bursdbi
oao
oa o`arars
s tma Ejdbde Sdsdt nc `ntm
ntm bursa
ursa dbtarvabtdnb,
do
dopn
pnrt
rthb
hbea
ea nc  hbf chodjy inhj whs oat hs
kbnwdbi tma 5. Onbathry ohbdcastaf `y7
baeasshry hjjn
hjjnwh
whbe
beaa cnr 
cnr  - Mahjaf skdb
dbcnrohtdnb bursa—s rhsmas
h`nut tma trhbspnrthtdnb - Ondst hbf jass
fdsahsa tn axpabsas sehjy skdb
 

pravabt
sprahfdbi
tmao.
Vmas
Vm asa
a dbejuf
dbejufa
a tma
cnjjnwdbi7
h. Onbdtnr cnr  
sdibs hbf
sy
syop
optn
tnos
os nc 
dbcaetdnb
`. Onbdtnr 
suseaptd`djdty
tn dbcaetdnb
e. Jdodt vdsdtnrs
wmab
baeasshry
f. Dbstruet
vdsdtnrs tn
whsm tmadr  
mhbfs
bfs wmab
vdsdtdbi
rao
raoafy hbf
hc
hcta
tarr jajahv
hvdb
dbi
i
phtdabt
a. Ohdbthdb
hsaptde
abvdrnboabt
furdbi tma
dbsthjjh
dbsthjjhtdnb
tdnb nc 
aqudpoabt
c. Idva skskdb eh
ehra
db tma hrah
apdfaoh
i. Dbspaetdnb nc 
skdb hbf
ouenus
oao`rhbas
nc tma
rafbass, maht
m. Dbspaetdnb nc 
tma wnubf
enbfdtdnb
d. \rnvdfa
hbtd`dntde
 

tmarhpy dc  
baeasshry
 g. Vahem mnw tn
hvndf
dbcaetdnb
 

UHU 86
Emaek cnr Qbfarsthbfdbi
8. Ydtm raihrfs tn djjbass pravabtdnb hetdvdtdas hs phrt nc bursdbi ehra, wmdem nc tma
cnjjnwdbi wdjj majp ejdabts onst>
h. Ohdbthdb ohxdouo cubetdnbs

`. Dfabtdcy fdsahsa
e. Pafuea tma enst syoptnos
nc mahjtm ehra
f. \rnonta mahjtm mh`dts
HBUYAP7 F.
PHVD
PH VDNB
NBHJHJA7
A7 Afue
Afuehthtdn
dnb
b cnr
cnr mahj
mahjtm
tm ds nba
nba nc tma
tma pnta
pntabt
bt oatm
oatmnf
nfnj
njni
nida
das
s cnr 
cnr 
db
dbcn
cnro
rohtd
htdnb
nb fdss
fdssao
aodbdbhtd
htdnb
nb.. Dt prn
prnon
onta
tas
s tma phrtb
phrtbar
arsm
smdp
dp nc `ntm
`ntm tm
tma
a chod
chodjy
jy
oao`ars hbf mahjtm wnrkars db tma prnontdnb nc mahjtm hs wajj hs pravabtdnb nc 
djjbass.

0. Bursa Ca`a ds semafujaf cnr h mnoa vdsdt tn hemdava tma `ast nc mahjtm ehra db tma
mnoa. Vma cdrst stap furdbi h mnoa vdsdt ds nba nc tma cnjjnwdbi7
h. Enubt tma hvhdjh`ja hppjdhbeas
`. Axpjhdb purpnsa nc tma vdsdt
e. Iraat ejdabt hbf dbtrnfuea sajc 
f. Yhsm mhbfs hbf parcnro prneafuras
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Db h mnoa vdsdt, tma bursa oust cdrst iraht tma ejdabts hbf dbtrnfuea
marsajc cnr cnrohjdtdas hbf tn `udjf rhppnrt. Vma bursa oust asth`jdsm h innf
dbtarparsnbhj rajhtdnbsmdp `atwaab chodjdas hbf `a pnjdta, enurhia, crdabfjy.

5. Ymdem nba nc tma cnjjnwdbi ds hb dopnrthbt prdbedpja furdbi h mnoa vdsdt>

h. Dbqudry h`nut mahjtm hbf wajchra
`. \arcnrohbea cnr mahjtm hssassoabt
e. Qsa nc hvhdjh`ja dbcnrohtdnb h`nut tma ejdabt
f. Avhjuhtdnb nc phst sarvdeas tn tma chodjy
HBUYAP7 E.
PHVDNBHJA7 H mnoa vdsdt oust mhva h purpnsa nr n`gaetdva. \jhbbdbi cnr h mnoa
vdsdt smnujf ohka usa nc hjj hvhdjh`ja dbcnrohtdnb h`nut tma phtdabt hbf mds chodjy
tmrnuim chodjy raenrfs. Db pjhbbdbi cnr h mnoa vdsdt, wa smnujf enbsdfar hbf idva
prdnrd
prd nrdty
ty tn tma assabtd
assabtdhj
hj baafs
baafs dc tma dbfdvd
dbfdvdfuh
fuhjj hbf mds chodjy.
chodjy. \jhbbd
\jhbbdbi
bi hbf
fajdvary nc ehra smnujf dbvnjva tma dbfdvdfuhj hbf chodjy.

6. Vma craquabey nc h mnoa vdsdt ds fatarodbaf `y wmdem nba nc tma cnjjnwdbi>

h. Hfodbdstrhtdnb nc oafdehtdnb
`. Baaf cnr mahjtm tahemdbi
e. Pasujt nc mahjtm stufdaf
f. Heeapthbea nc tma chodjy
HBUYAP7 @.
PHVDNBHJA7 Vma pmysdehj baafs, psyemnjnidehj baafs, hbf afuehtdnbhj baafs nc 
tma dbfdvdfuhj hbf chodjy ds nba nc tma iudfajdbas raihrfdbi tma craquabey nc mnoa
 

vdsdts. Cnjjnwaf `y tma heeapthbea nc tma chodjy cnr tma sarvdeas tn `a rabfaraf,
tmadr dbtarast hbf tma wdjjdbibass tn ennparhta.

1. Vma prneafura nc tma prnpar `hi taembdqua furdbi h mnoa vdsdt ds tn dopjaoabt wmdem
nba nc tma cnjjnwdbi prdbedpjas>
h. Papjhea suppjdas cujjy avary vdsdt
`. Hvndf trhbscar nc dbcaetdnb
e. Ejahb suppjdas rahfy cnr usa
f. \MB `hi ds hb dbfdspabsh`ja aqudpoabt
HBUYAP7 @.
PHVDNBHJA7 Qsa nc tma \MB `hi, nr hby raeaptheja cnr mahjtm ehra phrhpmarbhjdh
`rnuimt `y tma mahjtm ehra parsnbbaj tn tma phtdabt—s mnoa smnujf `a invarbaf
`y tmtma
a prdb
prdbed
edpj
pja
a tm
tmht
ht hbyt
hbytmd
mdbi
bi tm
tmht
ht hra nuts
nutsdf
dfa
a tm
tma
a `hi`hi ds enbsenbsdf
dfar
araf
af
enbthodbhtaf, hbf tmaracnra, smnujf bnt tnuem wmht hra dbsdfa tma `hi.

Vua nr Chjsa
8. Mahjtm Afuehtdnb ds h ennparhtdva accnrt raqudrdbi hjj bursas tn wnrk tniatmar db ejnsa
tahownrk wdtm chodjdas, irnups, hbf tma enooubdty.
HBUYAP7 MAHJVM
PHVDNBHJA7
PHVDN BHJA7 Mahjtm Afuehtdnb ds h ennparhtdva
ennparhtdva accnrt raqudrdbi
raqudrdbi hjj ehtainrdas
ehtainrdas nc 
mahjtm parsnbbaj tn wnrk tniatmar db ejnsa tahownrk wdtm chodjdas, irnups, hbf
tma enooubdty.

0. Mahjtm Afuehtdnb hdos tn majp panpja ohka usa nc tmadr nwb accnrts hbf afuehtdnb tn
doprnva tmadr enbfdtdnbs nc jdvdbi.
HBUYAP7 CHODJT
PHVDNBHJA7
PHVDN BHJA7 Mahjtm Afuehtdnbs
Afuehtdnbs hdos tn taem dbfapabfabea
dbfapabfabea tn avarynba
avarynba sn tmht
tmay wdjj `a h`ja tn prntaet tmaosajvas crno mhro hbf hby typas nc fdsahsas.

5. Mahjt
Mahjtm
m Afueh
Afuehtdn
tdnb
b ohkas
ohkas ehrac
ehracuj
uj avhj
avhjuht
uhtdnb
dnb nc tma pjhbbd
pjhbbdbi
bi,, nrih
nrihbdz
bdzht
htdnb
dnb,, hbf
hbf
dopjaoabthtdnb nc hjj mahjtm afuehtdnb prnirhos hbf hetdvdtdas.
HBUYAP7 CHODJT
PHVDNB
PHVD NBHJ
HJA7
A7 Mahj
Mahjtm
tm Afue
Afueht
htdn
dnb
b ututdj
djdz
dzas
as enoo
enooub
ubdt
dty
y ra
rasn
snur
urea
eas
s `y ehra
ehracu
cujj
avhjuhtdnb nc tma fdccarabt sarvdeas hbf rasnureas cnubf db tma enooubdty.

6. Mahjtm Afuehtdnb ohkas usa nc suppjaoabthry hdfs hbf favdeas tn majp wdtm tma
var`hj dbstruetdnbs
HBUYAP7 CHODJT
PHVDNBHJA7 Db nrfar cnr avarynba tn curtmar ubfarsthbf tma dopnrthbea nc mahjtm
hbf rdsk rafuetdnbs, fdccarabt suppjaoabthry hdfs hra usaf.

1. Mahjtm Afuehtdnb oaats tma baafs, dbtarasts, hbf prn`jaos nc hjj panpja.
HBUYAP7 MAHJVM
PHVDNBHJA7
PHVDN BHJA7 Mahjtm Afuehtdnb oaats tma baafs, dbtarasts,
dbtarasts, hbf prn`jaos
prn`jaos nc tma
panpja hccaetaf
 

UHU 81
Emaek cnr Qbfarsthbfdbi
8. Ymdem nc tma cnjjnwdbi parsnbbaj fn bnt mhva tma ‚rdimt tn kbnw‟ oafdehj dbcnrohtdnb>
 H. Vma chedjdty—s \arcnrohbea
\arcnrohbea Doprnvao
Doprnvaoabt
abt Fdraetnr wmn ds bnt h mahjtmehra parsnb hbf
mhs bn fdraet enbthet wdtm ejdabts.

@. H bursdbi stufabt wmn ds ehrdbi cnr h ejdabt ubfar tma suparvdsdnb nc tma bursdbi
dbstruetnr.
E. Vma chedjdty—s Uhcaty Nccdear wmn ds bnt h mahjtmehra parsnb hbf wmn mhs bn fdraet
enbthet wdtm ejdabts
F.H faphrtoabt suparvdsnr wdtm bn fdraet nr dbfdraet ehra futdas
HBUYAP7 F.
PHVDNBHJA7 H faphrtoabt suparvdsnr wdtm bn fdraet nr dbfdraet ehra futdas fnas
bnt mhva tma "rdimt tn kbnw" oafdehj dbcnrohtdnb; hjj nc tma ntmars mhva tma "rdimt
tn kbnw" oafdehj dbcnrohtdnb `aehusa tmay prnvdfa fdraet nr dbfdraet ehra tn
ejdabts. Cnr axhopja, `ntm tma chedjdty's \arcnrohbea Doprnvaoabt Fdraetnr wmn ds
bnt h mahjtmehra parsnb hbf wmn mhs bn fdraet enbthet wdtm ejdabts hbf tma
chedjdty's Uhcaty Nccdear wmn ds bnt h mahjtmehra parsnb hbf wmn mhs bn fdraet
enbthet wdtm ejdabts prnvdfa dbfdraet ehra tn ejdabts. Cnr axhopja, tmay enjjaet hbf
hbhjyza ejdabt fhth db nrfar tn cujcdjj tmadr rnja hbf raspnbsd`djdtdas db taros nc 
pr
prne
neas
asss dopr
doprnv
nvao
aoab
abts
ts hbf
hbf tma
tma pr prav
avab
abtd
tdnb
nb nc dbed
dbedfa
fabt
bts
s hbf
hbf heed
heedfa
fabt
bts,
s,
raspaetdvajy. Bursdbi hbf ntmar mahjtmehra stufabts hjsn mhva tma "baaf tn kbnw"
oafdehj dbcnrohtdnb sn tmht tmay ehb prnvdfa fdraet ejdabt ehra tn tmadr hssdibaf
ejdabt(s).

0.Vm
0.Vmaa bursa
bursa ds ththjkd
jkdbi
bi wdtm
wdtm tma
tma chodjy
chodjy nc hb 8= onbtm
onbtms-n
s-njf
jf bawjy
bawjy fdhibn
fdhibnsa
saf
f wd
wdtm
tm
ratdbn
ratdbn`jh
`jhst
stnoh
noh.. H prdnr
prdnrdty
dty db enooub
enooubdedehtd
htdbi
bi wdtm
wdtm tma phra
phrabts
bts ds cnr raenr
raenrfdb
fdbi
i hbf
hbf
rapnrtdbi tn tma raspaetdva mahjtm prncassdnbhj
 H. Fdseuss
Fdseuss tma baaf
baaf cnr iabatde enubsajdb
enubsajdbi
i
@. Dbcnro tmao tmht eno`dbaf tmarhpy ds sajfno accaetdva
E. \raphra cnr tma emdjf's parohbabt fdscdiuraoabt
F. Uuiiast tmht tnthj `jdbfbass ohy cnjjnw suriary
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Iabatde enubsajdbi
enubsajdbi hbf iabatde tastdbi smnuj
smnujff `a prnvdfaf
prnvdfaf tn hjj
phtdabts wdtm ratdbn`jhstnoh. H iarojdba outhtdnb ds prasabt db 81% nc phtdabts
wdtm ubdjhtarhj ratdbn`jhstnoh hbf 8<<% nc phtdabts wdtm `djhtarhj ratdbn`jhstnoh.
Dbfdvdfuhjs wdtm marafdthry ratdbn`jhstnoh mhva hb ajavhtaf rdsk nc axtrhneujhr 
ohjdibhbey.

5.Vma phtdabt raenrfs n`thdbaf `y tma bursa smnujf `a rapnrtaf tn tma enbearbaf mahjtm
hiabey tn prntaets ejdabts db taros nc tmadr rdimts tn wmht> Uajaet hjj tmht hppjy.
 H. \rdvhey hbf tn mhva tmadr oafdehj dbcnrohtdnb enbcdfabtdhj
enbcdfabtdhj ubjass tma ejdabt cnrohjjy
hpprnvas tma smhrdbi nc tmds dbcnrohtdnb wdtm ntmars suem hs chodjy oao`ars.
@. Ohka mahjtmehra faedsdnbs hbf tn mhva tmasa faedsdnbs prntaetaf hbf enooubdehtaf
tn ntmars wmab tmay hra bn jnbiar enopatabt tn fn sn.
 

E. @a cujjy dbcnroaf h`nut hjj trahtoabts db taro nc tmadr `abacdts, rdsks hbf hjtarbhtdvas
tn tmao sn tma ejdabt ehb ohka h kbnwjafiah`ja hbf dbcnroaf faedsdnb h`nut wmatmar 
nr bnt tn hiraa tn mhvdbi dt.
F. Ohka faedsdnbs h`nut wmn tmadr mahjtm ehra prnvdfar ds wdtmnut hby enarednb nr 
ubfua dbcjuabea nc ntmars dbejufdbi mahjtmehra prnvdfars.
HBUYAP7 @., F
PHVDNBHJA7
PHVDN BHJA7 Vma \htdabt
\htdabt Uajc Fatarodbhtdnb
Fatarodbhtdnb Het, wmdem whs phssaf `y tma QU
Enbirass db 844<, idvas Hoardehbs tma rdimt tn ohka mahjtmehra faedsdnbs hbf tn
mhva tmasa faedsdnbs prntaetaf hbf enooubdehtaf tn ntmars wmab tmay hra bn
jnbiar enopatabt tn fn sn. Vmasa faedsdnbs ehb hjsn dbejufa ragaetdnbs cnr cutura
ehra hbf trahtoabt hbf tmasa faedsdnbs hra racjaet db hfvhbea fdraetdvas. Vmds Het
hjsn suppnrts tma rdimts nc tma ejdabt tn `a craa nc hby enarednb nr hby ubfua
dbcjuabea nc ntmars dbejufdbi mahjtmehra prnvdfars.
Vma Mahjtm Dbsurhbea \nrth`djdty hbf Heenubth`djdty Het (MD\HH) suppnrts hbf
upmnjf
upm njfs
s tma ejdabts
ejdabts—— rdimts
rdimts tn enbcdf
enbcdfabt
abtdhj
dhjjy
jy hbf tma prdvhey
prdvhey nc tmadr
tmadr oafdeh
oafdehjj
rajhtaf dbcnrohtdnb raihrfjass nc dts cnro. Dt envars mhrf enpy hbf ajaetrnbde
oafdeh
oaf dehjj raenrfs
raenrfs ubjass
ubjass tma ejdabt
ejdabt mhs cnrohjj
cnrohjjyy hpp
hpprnva
rnvaff tma smhrdbi
smhrdbi nc tmds
tmds
dbcnrohtdnb wdtm ntmars suem hs chodjy oao`ars.
Vma ajaoabts nc dbcnroaf enbsabt wmdem dbejufas dbcnrohtdnb h`nut pnssd`ja
trahtoabts hbf prneafuras db taros nc tmadr `abacdts, rdsks hbf hjtarbhtdvas tn
tm
tmao
ao sn tmtma
a ejda
ejdabt
bt ehb ohka
ohka h kbnw
kbnwja
jafi
fiah`
ah`ja
ja hbf
hbf dbcnr
dbcnroa
oaf
f faed
faedsd
sdnb
nb h`nu
h`nutt
wmatmar nr bnt tn hiraa tn mhvdbi dt ohy `a phrt nc tmasa hfvhbeaf fdraetdvas, `ut
tma jhw tmht prntaets tmasa hfvhbea fdraetdvas ds tma \htdabt Uajc Fatarodbhtdnb
Het.

6. Vma enooubdty mahjtm bursa onbdtnr ejdabts raidstaraf db jnbi-taro raidoabs, suem
hs tma Oujtd-Frui Vmarhpy, wmdem enopnbabt wdjj `a onst usacuj>
 H. Vhjjy rapnrt
@. Nutput rapnrt
E. Vhriat/ejdabt jdst
F. Dbfdvdfuhj mahjtm raenrf
HBUYAP7 E.
PHVDNBHJA7 Vma OFV Ejdabt Jdst ds h raenrf nc ejdabts abrnjjaf db OFV hbf ntmar 
rajavhbt fhth, suem hs fhtas wmab ejdabts enjjaetaf tmadr onbtmjy suppjy nc fruis.

1. Ymdem nc tma cnjjnwdbi ds tma odssdnb nc tma Faphrtoabt nc Mahjtm>

 H. Mahjtm
Mahjtm cnr hjj Cdjdpdbns
@. Absura tma heeassd`djdty nc raenrfdbi hbf rapnrtdbi tma rasujt nc mahjtm ehra fajdvary
systao.
E. Doprnva tma iabarhj mahjtm sthtus nc tma pnpujhtdnb
F. Mahjtm db tma mhbfs nc tma Cdjdpdbn panpja `y tma yahr 0<0<
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Vma
Vma Faphr
Faphrto
toab
abtt nc Mahj
Mahjtmtm,, hs tm
tma
a bhtd
bhtdnb
nb's
's jahf
jahfar
ar db mahj
mahjtm
tm,, ds
enoodttaf tn iuhrhbtaa aqudth`ja, heeassd`ja hbf quhjdty mahjtm sarvdeas cnr hjj
Cdjdpdbns.
Cdjdpdbns. Hbf smhjj enbtdbuhjjy
enbtdbuhjjy doprnva nur quhjdty
quhjdty ohbhiaoabt
ohbhiaoabt systaos tn tma
shtdschetdnb nc nur edtdzabs.
 

3. PH 983< ohbfhtas favnjutdnb nc `hsde sarvdeas crno tma bhtdnbhj invarboabt tn jnehj
invarboabt ubdts. Ymdem nc tma cnjjnwdbi ds tma ohgnr inhj nc favnjutdnb>
 H. Vn strabitmab
strabitmab jnehj invarboabt
invarboabt ubdts
@. Vn hjjnw irahtar hutnbnoy tn jnehj invarboabt ubdts.
E. Vn aopnwar tma panpja hbf prnonta tmadr sajc-rajdhbea

F. Vn ohkaE.
HBUYAP7 `hsde sarvdeas onra heeassd`ja tn tma panpja
PHVDNBHJA7 P.H. 983< ohbfhtas favnjutdnb nc `hsde sarvdeas crno tma bhtdnbhj
invarboabt tn jnehj invarboabt ubdts. Ymdem nc tma cnjjnwdbi ds tma ohgnr inhj nc 
favnjutdnb> \anpja aopnwaroabt ds tma `hsde ontdvhtdnb `amdbf favnjutdnb nc 
`hsde sarvdeas tn JIQ's.

9. Hs hb apdfaod
apdfaodnjn
njnidst
idst,, tma bursa ds raspnb
raspnbsd`j
sd`ja
a cnr rapnrtdbi
rapnrtdbi ehsas
ehsas nr bntdcdh`
bntdcdh`ja
ja
fdsahsas. Ymht jhw ohbfhtas rapnrtdbi ehsas nc bntdcdh`ja fdsahsas>
88550
 H. P.H 88550
@. PH.5915
E. PH 8<16
F. PH 8<=0
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Futarta sdibaf Papu`jde Het 88550 nr tma Ohbfhtnry
Ohbfhtnry Papnrtdbi nc 
Bntdcdh`ja Fdsahsas hbf Mahjtm Avabts nc \u`jde Mahjtm Enbearb Het nb Hprdj 03
`ut whs rajahsaf nbjy tn tma oafdh tmraa onbtms hctar dt whs sdibaf.

=. Ymdem typa nc chodjy-bursa enbthet wdjj prnvdfa ynu wdtm tma `ast nppnrtubdty tn
n`sarva chodjy fybhodes furdbi tma enjjaetdnb nc chodjy dbcnrohtdnb cnr fhth purpnsas>
 H. Ejdbde
Ejdbde enbsujthtdnb
enbsujthtdnb
@. Irnup enbcarabeas
E. Mnoa vdsdt
F. Yrdttab enooubdehtdnb
HBUYAP7 E.
PHVD
PH VDNB
NBHJHJA7
A7 Fybho
Fybhodedes
s nc chodj
chodjy
y ra
rajh
jhtd
tdnb
nbsm
smdp
dps
s ehb
ehb `ast
`ast `a n`sa
n`sarva
rvaf
f db tm
tma
a
chodjy's bhturhj abvdrnboabt, wmdem ds tma mnoa.

4. Ymdem nc tma cnjjnwdbi ds hb apdfaodnjnide cubetdnb nc tma bursa furdbi hb apdfaode>

 H Enbfuetdbi
Enbfuetdbi hssassoab
hssassoabtt nc suspaetaf
suspaetaf ehsas
ehsas tn fataet
fataet tma enooubdeh`ja
enooubdeh`ja fdsahsas
fdsahsas
@. Onbdtnrdbi tma enbfdtdnb nc tma ehsas hccaetaf `y tma enooubdeh`ja fdsahsa
E. \hrtdedphtdbi db tma dbvastdihtdnb tn fatarodba tma snurea nc apdfaode
F. Vahemdbi tma enooubdty nb pravabtdva oahsuras hihdbst tma fdsahsa
HBUYAP7 E.
PHVD
PH VDNNBHJ
BHJA7 Apd Apdfaod
faodnjnjni
niyy ds tm tma
a ststuf
ufy
y nc phtt
phttar
arbs
bs nc neeu
neeurr
rrab
abea
ea hbf
hbf
fdstrd`utdnb nc fdsahsa db tma enooubdty, hs wajj hs tma chetnrs tmht hccaet fdsahsa
phttarbs.
phttarb s. Vma purpnsa
purpnsa nc hb apdfaodnj
apdfaodnjnide
nide dbvastdihtdnb
dbvastdihtdnb ds tn dfabtdcy tma snurea
nc hb apdfaode, d.a., wmht `rnuimt h`nut tma apdfaode.
 

8<. Vma Cdajf Mahjtm Uarvdeas hbf dbcnrohtdnb Uystao (CMUDU) ds tma raenrfdbi hbf
rapnrtdbi systao db pu`jde mahjtm) ehra db tma \mdjdppdbas. Vma onbtmjy cdajf mahjtm
sarvdea hetdvdty rapnrt ds h cnro usaf db wmdem nc tma enopnbabts nc tma CMUDU>
 H. Vhjjy rapnrt
@. Nutput rapnrt
E. Vhriat/ejdabt jdst

F. DbfdvdfuhjH.mahjtm raenrf
HBUYAP7
PHVD
PH VDNB
NBHJ
HJA7
A7 H th thjj
jjy
y ra
rapn
pnrt
rt ds pr
prap
aphr
hraf
af onbt
onbtmj
mjy
y nr quhr
quhrta
tarj
rjy
y `y tma
tma PMQ
PMQ
parsnbbaj hbf trhbsodttaf tn tma \rnvdbedhj Mahjtm Nccdea.
 

UHU 83
Emaek cnr Qbfarsthbfdbi
8. Ymdem odbarhjs hbf vdthodbs usuhjjy hra raenooabfaf tn suppjaoabt h praibhbt
wnohb's fdat>
h. Cht-snju`ja vdthodbs H hbf F
`. Yhtar-snju`ja vdthodbs E hbf @3

e.
f. Drnb hbf cnjhta
Ehjeduo hbf zdbe
HBUYAP7 E.
PHVDNBHJA7 Drnb iabarhjjy smnujf `a suppjaoabtaf, hbf cnjde hedf suppjaoabts
nctab hra baafaf `aehusa cnjhta ds sn dopnrthbt. Cht-snju`ja vdthodbs smnujf `a
suppja
sup pjaoab
oabtaf
taf hs h oafdeh
oafdehjj praserd
praserdptd
ptdnb,
nb, hs vdthod
vdthodb
b F odimt
odimt `a cnr jhetnsa
jhetnsa--
dbtnjarhbt wnoab. Yhtar-snju`ja vdthodb E snoatdoas ds enbsuoaf db axeass
bhturhjjy; vdthodb @3 ds praserd`af nbjy dc tma wnohb mhs h vary pnnr fdat. Wdbe ds
snoatdoas suppjaoabtaf; onst wnoab iat abnuim ehjeduo.

0.  Ydtm raihrf tn butrdtdnbhj baafs furdbi jhethtdnb, h ohtarbdty bursa smnujf `a hwhra
tmht7
h. Vma ontmar's dbthka nc vdthodb E, zdbe, hbf prntadb bnw ehb `a jnwar tmhb furdbi
praibhbey.
`. Ehccadba enbsuoaf `y tma ontmar heeuoujhtas db tma dbchbt, wmn tmaracnra ohy `a
ubusuhjjy hetdva hbf whkacuj.
e. Erdtdehj drnb hbf cnjde hedf javajs oust `a ohdbthdbaf.
f. Jhethtdbi wnoab ehb in `hek tn tmadr prapraibhbt ehjnrda dbthka
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 H jhethtdbi
jhethtdbi wnohb baafs tn hvndf enbsuodbi
enbsuodbi tnn ouem ehccadba.
Sdthodb
Sdthod b E, zdbe, hbf prntadb javajs baaf tn `a onfarhtajy
onfarhtajy mdimar furdbi jhethtdnb
tmhb
tmhb furd
furdbi
bi prprai
aibh
bhbe
bey.
y. Vma
Vma raen
raenoo
ooababfh
fhtd
tdnb
nbs
s cnr
cnr drnb
drnb hbf
hbf cnjd
cnjde
e hedf
hedf hra
hra
snoawmht jnwar furdbi jhethtdnb. Jhethtdbi wnoab smnujf enbsuoa h`nut 1<<
kehj onra tmhb tmadr pra-praibhbey dbthka, ht jahst 8=<< kehj fhdjy nvarhjj.

5.  Ymab enubsajdbi h ejdabt h`nut iattdbi abnuim drnb db mar fdat, tma ohtarbdty bursa
smnujf tajj mar tmht7
h. Odjk, enccaa, hbf tah hdf drnb h`snrptdnb dc enbsuoaf ht tma shoa tdoa hs drnb.
`. Drnb h`snrptdnb ds dbmd`dtaf `y h fdat rdem db vdthodb E.
e. Drnb suppjaoabts hra parodssd`ja cnr emdjfrab db sohjj fnsas.
f. Enbstdphtdnb ds enoonb wdtm drnb suppjaoabts.
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Enbstdphtdnb
Enbstdphtdnb ehb `a h prn`jao
prn`jao wdtm drnb suppjaoabts
suppjaoabts.. Odjk, enccaa,
hbf tah hetuhjjy dbmd`dt drnb h`snrptdnb wmab enbsuoaf ht tma shoa tdoa hs drnb.
Sdthodb E prnontas drnb h`snrptdnb. Emdjfrab wmn dbiast drnb ehb iat vary sdek
hbf avab fda.

6. Ymdem suiiastdnbs smnujf tma bursa dbejufa wmab tahemdbi h`nut hpprnprdhta wadimt
ihdb db praibhbey> Uajaet hjj tmht hppjy.
h. Qbfarwadimt wnoab smnujf ihdb 80.1 tn 8= ki.
 

`. N`asa wnoab smnujf ihdb ht jahst 9 tn 88.1 ki.

e. Hfnjaseabts hra abenurhiaf tn strdva cnr wadimt ihdbs ht tma uppar abf nc tma
raenooabfaf sehja.
f. Db twdb iasthtdnbs, tma wadimt ihdb raenooabfaf cnr h sdbija catus praibhbey smnujf
sdopjy `a fnu`jaf.
a. Bnrohj wadimt wnoab smnujf ihdb 88.1 tn 83 ki.

HBUYAP7
PHVDNBHJA7 H., Qbfarwadimt
@., E., A. wnoab baaf tn ihdb tma onst. N`asa wnoab baaf tn
ihdb wadimt furdbi praibhbey
praibhbey tn aquhj tma wadimt nc tma prnfuets nc enbeaptdnb.
enbeaptdnb.
Hfnjas
Hfn jaseab
eabts
ts hra stdjj
stdjj irnwdb
irnwdbi;
i; tmaracnr
tmaracnra,
a, tmadr
tmadr `nfdas
`nfdas bhturhj
bhturhjjy
jy enopata
enopata cnr 
butrdabts
butrdabts wdtm tma catus. Ynoab `ahrdbi twdbs baaf tn ihdb onra wadimt (usuhjj
(usuhjjy
y
83 tn 0< ki) `ut bnt baeasshrdjy twdea hs ouem. Bnrohj wadimt wnoab smnujf
ihdb 88.1 tn 83ki.

1. Vma bursa ds fdseussdbi stnrhia nc `rahst odjk wdtm h ontmar wmnsa dbchbt ds prataro
hbf db tma spaedhj ehra ubdt. Ymht sthtaoabt wnujf dbfdehta tmht tma ontmar baafs
hffdtdnbhj tahemdbi>
h. "D ehb stnra oy `rahst odjk db tma racrdiarhtnr cnr 5 onbtms."
`. "D ehb stnra oy `rahst odjk db tma craazar cnr 5 onbtms."
e. "D ehb stnra oy `rahst odjk ht rnno taoparhtura cnr = mnurs."
f. "D ehb stnra oy `rahst odjk db tma racrdiarhtnr cnr 5 tn 1 fhys."
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7A7 Crasmj
Crasmjyy axprass
axprassaf af `rahst
`rahst odjk
odjk ehb `a stnraf
stnraf db tma `hek nc tma
racrdiarhtnr cnr up tn cnur fhys db ejahb enbfdtdnbs. Mnwavar, dt's nptdohj tn usa nr 
craaza tma odjk wdtmdb tmraa fhys.

3. Ydtm raihrf tn tma butrdabt baafs nc `rahstcaf hbf cnroujh-caf dbchbts, bursas smnujf
ubfarsthbf tmht7
h. @rahstcaf dbchbts baaf axtrh whtar db mnt ejdohtas.
`. Furdbi tma cdrst 5 onbtms `rahstcaf dbchbts enbsuoas onra abariy tmhb fn cnroujh-
caf dbchbts.
e. @rahstcaafdbi dbchbts smnujf raeadva nrhj vdthodb F frnps fhdjy ht jahst furdbi tma cdrst
0 onbtms.
f. Sdthodb K dbgaetdnbs ht `drtm hra bnt baafaf cnr dbchbts caf nb spaedhjjy abrdemaf
cnroujh.
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 @rahstcaf `h`das
`h`das crno `drtm tn nba yahr nc hia smnujf `a idvab h
fhdjy suppjaoabt enbthdbdbi =.1 tn 8<oei nc vdthodb F hs h praehutdnb (UHEB,
0<83). Vma raenooabfhtdnb ds tmht tma `h`y smnujf raeadva dts nwb nrhj vdthodb F
frnps enbthdbdbi 9-=.1±i par fhy crno 6 waaks nc `drtm ubtdj tma hia nc 1 yahrs.
Yhdtdbi ubtdj tma `h`y ds 3 onbtms ohy `a tnn jhta tn pravabt favajnpoabt nc 
syoptnos.

9. Hjj phrabts hra abtdtjaf tn h `drtmdbi abvdrnboabt db wmdem `rahstcaafdbi ds prnontaf

hbf suppnrtaf. Vma @h`y Crdabfjy Mnspdthj Dbdtdhtdva abfnrsaf `y YMN hbf QBDEAC
whs
wh s cn
cnub
ubfaf
faf tn abenu
abenurhrhia
ia dbstdt
dbstdtut
utdnb
dnbs
s tn nccar
nccar nptdoh
nptdohjj javajs
javajs nc ehra
ehra cnr jhetht
jhethtdbi
dbi
 

ontmar
ontm ars.
s. Ymde
Ymdem m dbst
dbstru
ruet
etdn
dnb
b ds bnt
bnt dbe
dbejufa
jufaf
f db tma
tma "V
"Vab
ab Ut Utap
aps
s tn Uuee
Uueeas
assc
scuj
uj
@rahstcaafdbi cnr Mnspdthjs">
h. Idva baw`nrbs bn cnnf nr frdbk ntmar tmhb `rahst odjk.
`. Mhva h wrdttab `rahstcaafdbi pnjdey tmht ds enooubdehtaf tn hjj sthcc.
e. Majp ontmars dbdtdhta `rahstcaafdbi wdtmdb nba mhjc mnur nc `drtm.
f. Idva hrtdcdedhj tahts nr phedcdars hs baeasshry.

HBUYAP7
PHVDN
PHVDNBHJ F.
BHJA7A7 Hrtdcd
Hrtdcdedh
edhjj trahts
trahts nr phedcda
phedcdars
rs ds bnt dbejuf
dbejufaf
af db tma ‚Vab
‚Vab Utaps
Utaps tn
Uueeasscuj @rahstcaafdbi cnr Mnspdthjs‟.

=. Butrdtdnb ds hb hjtarh`ja hbf dopnrthbt pravabtdva oahsura cnr h vhrdaty nc pntabtdhj

prn`jaos
prn` jaos suem hs jnw `drtm`drtm wadimt
wadimt hbf praohturdty
praohturdty.. Ymdja
Ymdja enopjat
enopjatdbi
dbi tma pmysdeh
pmysdehjj
hssassoabt nc tma praibhbt ejdabt, tma bursa ds h`ja tn avhjuhta tma ejdabt's butrdtdnbhj
sthtus `y n`sarvdbi h buo`ar nc pmysdehj sdibs. Ymdem pmysdehj sdib dbfdehtas tn tma
bursa tmht tma ejdabt mhs uboat butrdtdnbhj baafs>
h. Bnrohj mahrt rhta, rmytmo, hbf `jnnf prassura
`. @rdimt, ejahr, hbf smdby ayas
e. Hjart hbf raspnbsdva wdtm innf abfurhbea
f. Afaoh, tabfar ehjvas, hbf tdbijdbi
HBUYAP7 F.
PHVDNBHJA7 Afaoh, tabfar ehjvas, hbf tdbijdbi hra sdibs nc butrdabt facdedabedas
db ejdabts, tma ntmar nptdnb hra hjj sdibs nc oat butrdtdnbhj baafs.

4. Ymht hra tma `rahst odjk enopnsdtdnb> Uajaet tmht hjj hppjy
h. Vrdijyeardfas
`. Jhetnsa
e. Ymay prntadbs
f. Sdthodbs, Odbarhjs, hbf Vrhea Ajaoabts
HBUYAP7 H., @., E., F.
PHVDN
PHV DNBHJ
BHJA7A7 Ohtura
Ohtura muohb
muohb odjk
odjk ds ohfa
ohfa up nc 5%-1%
5%-1% cht, <.=%-<.<
<.=%-<.<%
% prntad
prntadb,
b,
3.4%-9.0%
3.4%-9 .0% ehr`nmyfrhta ehjeujhtaf hs jhetnsa,
jhetnsa, hbf <.0% odbarhj enbstd
enbstdtuabts
tuabts
axprassaf hs hsm. Vma abariy enbtabt ds 3<-91 kehj/8<<oj. \rntadb enbtabt ds
enbsdfarh`jy mdimar hbf ehr`nmyfrhta enbtabt jnwar db enjnstruo tmhb db ohtura
odjk.

8<. Ymht facdedabedas tn `a hwhra nc furdbi tma enopjaoabthry caafdbi sthia>

h. Sdthodb H hbf drnb
`. H
e. A
f. Sdt F
HBUYAP7 H.
PHVDNBHJA7 Sdthodb H facdedabey ds tma ohdb ehusa nc `jdbfbass db emdjfrab, hbf
dnfdba facdedabey ehb rafuea h emdjf's dbtajjaetuhj ehphedty hbf mhro mds nr mar 
h`djdty tn jahrb.
 

UHU 89
Emaek cnr Qbfarsthbfdbi
8. Ymdem nc tma cnjjnwdbi vheedbas hra usaf db Axphbfaf \rnirho nb Dooubdzhtdnb
(A\D) tmht oust `a stnraf db tma craazar>
 H. F\V

@.
E. Vathbus
Oahsjas tnxndf
vheedba
F. Maphtdtds @ vheedba
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7A7 Vma
Vma Oahs
Oahsja
jas-
s-Ou
Ouop
ops-
s-ru
ru`a
`ajj
jjh
h (OOP
(OOP)) Shee
Sheedb
dbaa ds stnr
stnraf
af db tma
tma
racrdiarhtnr nr craazar. Vma ntmar vheedbas hra nbjy stnraf db tma racrdiarhtnr hbf
smnujf bnt `a craaza nr axpnsaf tn craazdbi taoparhtura.

0.  Gdooy, h enooubdty bursa ds hwhra tmht hb ubusaf @EI smnujf `a fdsehrfaf mnw
ohby mnurs hctar raenbstdtutdnb>
 H. 0
@. 6
E. 3
F. Ht tma abf nc tma fhy
HBUYAP7 E.
PHVDN
PHV DNBHJ
BHJA7
A7 Paenbs
Paenbstdttdtutaf
utaf @EI,
@EI, oahsja
oahsjas
s hbf yajjnw
yajjnw cavar
cavar vheedb
vheedbas
as ous
oustt `a
kapt ennjaf hbf oust `a fdsehrfaf hctar 3 mnurs hctar raenbstdtutdnb.

5. Db dooubdzdbi emdjfrab jass tmhb adimt yahrs nc hia wdtm @EI, hs h bursa, ynu hra bnt
n`jdiaf tn saeura phrabthj enbsabt. Vmds ds `aehusa nc wmdem jaihj fneuoabt>
 H. \.F. 443
@. P.H. 9=63
E. \rasdfabtdhj \rnejhohtdnb Bn. 3
F. \rasdfabtdhj \rnejhohtdnb Bn. 63
HBUYAP7 H.
PHVDNBHJA7 \rasdfabtdhj Faeraa 443, abhetaf db 8493, ohfa dooubdzhtdnb db tma
A\D enopujsnry cnr emdjfrab ubfar = yahrs nc hia. Maphtdtds @ vheedbhtdnb whs
ohfa enopujsnry cnr tma shoa hia irnup `y P.H. 9=63.

6. Mnjjy, h sabdnr bursa ds hwhra tmht tmds typa nc dooubdzhtdnb wdjj prnfuea h parohbabt
sehr.
 H. F\V
@. @EI
E. Oahsjas vheedbhtdnb
F. Maphtdtds @ vheedbhtdnb
HBUYAP7 @.
PHVDNBHJA7 @EI ehusas tma cnrohtdnb nc h suparcdedhj h`seass, wmdem `aidbs 0
waak
wa akss hctar
hctar doou
dooubdbdzh
zhtd
tdnb
nb.. Vma
Vma h`sea
h`seassss mahj
mahjs
s wd
wdtm
tmnu
nutt traht
trahtoa
oabt
bt,, wd
wdtm
tm tm
tma
a
cnrohtdnb nc h parohbabt sehr.
 

1. H 6-waak-njf `h`y `ny whs `rnuimt tn tma mahjtm eabtar cnr mds cdrst dooubdzhtdnb.
Ymdem ehb `a idvab tn mdo>
 H. F\V8
@. N\S8
E. Dbchbt @EI
F. Maphtdtds @ vheedba 8

HBUYAP7
PHVD
PHVDNB
NBHJ E.
HJA7
A7 Db
Dbchb
chbtt @EI
@EI ohy
ohy `a idva
idvabb ht `drtm
`drtm.. Hj
Hjjj tm
tma
a nt
ntma
marr doou
dooubd
bdzht
zhtdn
dnbs
bs
oabtdnbaf ehb `a idvab ht 3 waaks nc hia.

3. Hs h bursa, ynu wdjj bnt idva F\V 0 dc tma ontmar shys tmht tma dbchbt mhf
 H. Uadzu
Uadzuras
ras h fhy
fhy hctar F\V
F\V 8.
@. Cavar cnr 5 fhys hctar F\V 8.
E. H`seass cnrohtdnb hctar F\V 8.
F. Jnehj tabfarbass cnr 5 fhys hctar F\V 8.
HBUYAP7 H.
PHVDNBHJA7 Uadzuras wdtmdb 5 fhys hctar hfodbdstrhtdnb nc F\V ds hb dbfdehtdnb
nc myparsabsdtdvdty tn partussds vheedba, h enopnbabt nc F\V. Vmds ds enbsdfaraf
h spaedcde enbtrhdbfdehtdnb tn su`saquabt fnsas nc F\V.

9. H 0-onbtm-njf `h`y idrj whs `rnuimt tn tma mahjtm eabtar cnr dooubdzhtdnb. Furdbi
hssassoabt, tma dbchbt—s taoparhtura raidstaraf ht 5=.8¼E. Ymdem ds tma `ast enursa nc 
hetdnb tmht ynu wdjj thka>
 H. In nnb
b wdtm tma
tma dbchbt—s
dbchbt—s dooubdzhtdnbs.
dooubdzhtdnbs.
@. Idva \hrheathonj hbf whdt cnr mds cavar tn su`sdfa.
E. Pacar tma dbchbt tn tma pmysdedhb cnr curtmar hssassoabt.
F. Hfvdsa tma dbchbt—s ontmar tn `rdbi mdo `hek cnr dooubdzhtdnb wmab ma ds wajj.
 HBUYAP
HBUYAP7 H.
PHVD
PH VDN
NBHJ
BHJA7 Db tm tma
a A\D
A\D, ca
cav
var up tn 5=. 5=.1¼
1¼E
E ds bnt
bnt h enbt
enbtrh
rhddbfde
bfdeht
htddnb tn
doou
do oubd
bdzh
zhtd
tdnb
nb.. Odjf
Odjf heut
heuta
a ra
rasp
spdr
drhtn
htnry
ry tr
trhet
het dbca
dbcaetd
etdnb
nb,, sdop
sdopja
ja fdhrr
fdhrrma
mahh hbf
hbf
ohjbutrdtdnb hra bnt enbtrhdbfdehtdnbs adtmar.

=. Bnrh, h 0=-yahr-njf praibhbt wnohb mhf gust raeadvaf mar 6tm fnsa nc tathbus
tnxndf. Uu`saquabtjy, mar `h`y wdjj mhva prntaetdnb hihdbst tathbus cnr mnw jnbi>
yahr 
 H. 8 yahr 
@. 5 yahrs
E. 8< yahrs
F. Jdcatdoa
HBUYAP7 H.
PHVDNBHJA7 Vma `h`y wdjj mhva phssdva bhturhj dooubdty `y pjheabthj trhbscar nc 
hbtd`nfdas. Vma ontmar wdjj mhva hetdva hrtdcdedhj dooubdty jhstdbi cnr h`nut 8<
yahrs. 1 fnsas wdjj idva tma ontmar jdcatdoa prntaetdnb.

4. Guhb, h 6-yahr-njf `ny ds semafujaf cnr rnutdba dooubdzhtdnbs. Hs tma bursa, ynu
kbnw tmht tma fnetnr wdjj onst jdkajy nrfar wmht vheedbhtdnbs> Uajaet hjj tmht hppjy.
 

 H. FVh\ (fdpmtma

(fdpmtmardh,
rdh, Vathbus,
Vathbus, \artussds)
\artussds)
@. \njdn
E. Maphtdtds @
F. PS (Pnthvdrus)
A. OOP (Oahsjas, Ouops, Pu`ajjh)
C. Md` (Maonpmdjus Dbcjuabzha Vypa @)

HBUYAP7
PHVDNBHJA7 H., @.,
VmaA., I.
hbswars hra H, @, A, hbf I. Vma dooubdzhtdnbs nrfaraf ht 6-3
yahrs nc hia dbejufa7 FVh\, \njdn, OOP, hbf Shrdeajjh.

8<. Ajrdth, h ontmar nc h 80-onbtm-njf

80-onbtm-njf `h`y idrj ehjjs tma pafdhtrde ejdbde tn hsk wmab mar 
fhuimtar wdjj raeadva tma Shrdeajjh vheedba. Hs tma bursa, ynur hbswar tn mar quastdnb ds7
 H. ht 0, 6, hbf 3 onbtms
@. ht 80 onbtms hbf 6-3 yahrs
E. ht 3 hbf 80 onbtms
F. ht 6 onbtms hbf 6-3 yahrs
HBUYAP7 @.
PHVDNBHJA7 Vma hbswar ds @. Vma emdjf wdjj raeadva tma Shrdeajjh vheedba ht 80
onbtms hbf 6-3 yahrs nc hia.
 

UHU 8=
Emaek cnr Qbfarsthbfdbi
8. Tnu ehb ejhssdcy tmht h emdjf hiaf 0 yahrs mhs chst `rahtmdbi dc ma mhs h raspdrhtnry
rhta nc 
 H. 3< `po
`po nr onra

@.
E. 1<
6< `po
`po nr
nr onra
onra
F. Hby nc tma h`nva
HBUYAP7 E.
PHVDNBHJA7 Dc tma emdjf ds 80 onbtms up tn 1 yahrs tma emdjf mhs chst `rahtmdbi dc 
ynu enubt 6< `rahtms par odbuta nr onra.

0.  @h`y Tukd, 6 onbtms njf ds bnt h`ja tn `rahstcaaf hbf emast dbfrhwdbi ds prasabt.
Vmds ehb `a ejhssdcdaf hs
\bauonbdh
 H. \bauonbdh
@. Uavara \bauonbdh
E. Bn \bauonbdh7 enuim nr enjf
F. Odjf \bauonbdh
HBUYAP7 H.
PHVDNBHJA7 Vma sdibs nc pbauonbdh dbejufa hby fhbiar sdib nr emast dbfrhwdbi
nr strdfnr db ehjo emdjf.

5. Vmasa hra hjj pnssd`ja trahtoabts cnr savara pbauonbdh axeapt7

 H. Idvar cdrst fnsa
fnsa nc hb hpprnprdht
hpprnprdhta
a hbtd`dntde
hbtd`dntde
@. Unntma tma tmrnht hbf rajdava tma enuim wdtm h shca raoafy
E. Idva vdthodb H
F. Vraht tma emdjf tn pravabt jnw `jnnf suihr 
HBUYAP7 @.
PHVDN
PHV DNBHJ
BHJA7 A7 Jattar
Jattar @ ds dbejuf
dbejufaf
af db tma mnoa
mnoa ohbhiao
ohbhiaoabt
abt nc pbauon
pbauonbdh
bdh;; tma
rast nc tma emndeas `ajnbi db tma savara pbauonbdh nr vary savara fdsahsa.

6. Ymht enjnr ds "BN \BAQONBDH7 ENQIM NP ENJF" ejhssdcdaf hs>

 H. Iraa
Iraabb
@. \dbk
E. Tajjnw
F. Paf
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Bn pbauonbdh7
pbauonbdh7 enuim nr enjf `ajnbis
`ajnbis db a tma yajjnw enjnr enfdbi
db wmdem trahtoabt ds Nutphtdabt Mahjtm Chedjdty.

1. Dc tma emdjf mhs wmaazdbi hbf adtmar chst `rahtmdbi nr emast dbfrhwdbi prasabt, tma
bursa smnujf7
 H. Pacar
Pacar QPIABVJT
QPIABVJT tn mnspdthj

@.
E. Idva h trdhj
Hssass vdthjhetdbi
sdibsdbmhjaf `rnbemnfdjhtnr cnr up tn 5 tdoas
 

F. Idva Sdthodb H
HBUYAP7 H.
PHVDN
PHV DNBHJ
BHJA7A7 Vmasa
Vmasa hra fhbiar
fhbiar sdibs wmdem
wmdem `ajnbi
`ajnbis
s db tma pdbk
pdbk enjnr
enjnr enfdbi
enfdbi
ohrkaf hs uriabt racarrhj.

3. Fysabtary ds ejhssdcdaf dc7

 H. Vmara ds
@. Utnnjs Famyfrhtdnb
Famyf
hra rhtdnb
whtary
E. Chst `rahtmdbi ds prasabt
F. Vmara ds `jnnf db tma stnnj
HBUYAP7 F.
PHVDN
PHV DNBHJ
BHJA7A7 Fysabta
Fysabtary ry ds hb dbcaetd
dbcaetdnb
nb nc tma dbtastd
dbtastdbas
bas tmht
tmht ehusas
ehusas fdhrrm
fdhrrmah
ah
enbthdbdbi `jnnf nr oueus. Ntmar syoptnos nc fysabtary ehb dbejufa7 phdbcuj
stnohem erhops. caajdbi sdek nr `adbi sdek (vnodtdbi) h mdim taoparhtura.

9. Hjj hra sdibs nc savara famyfrhtdnb axeapt

 H. Past
Pastjassbass
jassbass
@. Uubkab ayas
E. Ukdb pdbem inas `hek vary sjnwjy
F. H`bnrohjjy sjaapy
HBUYAP7 H.
PHVDNBHJA7 Pastjassbass ds nba nc tma sdibs nc snoa famyfrhtdnb.

=. Ymdem typa nc pjhb wnujf tma bursa dbstruet tn h emdjf wmn whs ejhssdcdaf wdtm savara
famyfrhtdnb>
 H. \jhb H
@. \jhb @
E. \jhb E
F. \jhb F
HBUYAP7 E.
PHVDNBHJA7 \jhb E dbejufas idvdbi cjudf cnr savara famyfrhtdnb.

4. Dc emdjf mhs bnt abnuim sdibs tn ejhssdcy hs snoa nr savara famyfrhtd

famyfrhtdnb,
nb, tma emdjf wdjj
`a ejhssdcdaf hs wmht>
 H. Uavara
Uavara Famyfrhtdnb
Famyfrhtdnb
@. Odjf Famyfrhtdnb
E. Unoa Famyfrhtdnb
F. Bn Famyfrhtdnb
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Unoa Famyfrhtdnb
Famyfrhtdnb ds tma ejhssdcdehtd
ejhssdcdehtdnb
nb `acnra savara famyfrh
famyfrhtdnb,
tdnb,
wdtm jass wahkar sdibs.

8<. \htdabt Vdch, 1 onbtms njf mhs fdhrrmah cnr hjrahfy 83 fhys. Tnu hjsn bntdea tmht
famyfrhtdnb ds prasabt. Vmds enujf `a ejhssdcdaf hs>
 H. Uavara
Uavara Famyfrhtdnb
Famyfrhtdnb
@. Uavara \arsdstabt Fdhrrmah
 

E. Unoa Famyfrhtdnb
F. \arsdstabt Fdhrrmah
HBUYAP7 @.
PHVDNBHJA7 Uavara \arsdstabt Fdhrrmah mhs famyfrhtdnb hs dts sdibs.
 

UHU 84
Emaek cnr Qbfarsthbfdbi
8. @AonBE chedjdty tmht mhf ahem nc cnjjnwdbi cubetdnbs ht tma tdoa nc survay whs
enbsdfaraf hs prnvdfar nc tma `hsde AoBE wmdem nc tma cnjjnwdbi. sajaet tmht hjj hppjy;
h. Dbeu`htnr hvhdjh`ja

 H. Yhrotm (frydbi

@. \afdhtrdes hbf
hbf
bursary skdb-tn-skdb
skdb-tn-skdb enbthet)
hvhdjh`ja enbthet)
E. Aya prnpmyjhxds (tatrheyejdba aya ndbtoabt).
F. Ejahb enrf ehra.
A. Ahrjy hbf axejusdva `rahst caafdbi
C. @hsde baw`nrb rasusedthtdnb.
HBUYAP7 H., E., F., A.
PHVDNBHJA7 H chedjdty tmht mhf ahem nc cnjjnwdbi cubetdnbs ht tma tdoa nc survay
whs enbsdfaraf hs prnvdfar nc tma `hsde AoBE7 `hsde baw`nrb rasusedthtdnb,
whrotm
whr otm (frydbi
(frydbi hbf skdb-tn
skdb-tn-skd
-skdb
b enbthet
enbthet),
), aya prn
prnpmy
pmyjhx
jhxds
ds (tatrhey
(tatrheyejd
ejdba
ba aya
ndbt
ndbtoa
oabt bt),
), ej
ejah
ahbb enrf
enrf ehra
ehra,, hbf
hbf ahrj
ahrjy
y hbf
hbf axej
axejus
usdv
dva
a `rah
`rahst
st caaf
caafdb
dbi.
i. Mahj
Mahjtm
tm
chedj
chedjdt
dtda
das
s pr
prnv
nvdf
dfdb
dbi
i sarv
sarvde
deas
as `ntm
`ntm rnubf
rnubf tma
tma ejne
ejnek
k nr fhy
fhy td
tdoa
oa whs
whs thkab
thkab hs
prnvdfdbi tma sarvdeas.

0. Vn quhjdcy hs h EAoNBE chedjdty, hjj nc tma h`nva sarvdeas oust `a nccaraf db # 8, `ut
db hffdtdnb tma cnjjnwdbi cubetdnbs wmdem nc tma cnjjnwdbi.
Banbhthj rasusedthtdn
 H. Banbhthj rasusedthtdnb
b wdtm `hi
`hi hbf ohsk
ohsk
@. Mypntmarodh Ohbhiaoabt (rawhrodbi)
E. Hbtd`dntdes cnr banbhthj sapsds
F. Assabtdhj baw`nrb ehra
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Enopramabsd
Enopramabsdva va Aoariabey
Aoariabey Banbhthj
Banbhthj Ehra dbejufas
dbejufas dbtu`htdnb
dbtu`htdnb hbf
vabtdjhtdnb, bhrehdb, hbf suriary. Vmnuim tmara hra bn ejahr iudfajdbas nb enbtabt
nc hbf envarhia sthbfhrfs cnr AoBE, tma OBM Pnhf ohp mhs sat nut h phekhia
nc dbtarvabtdnbs tn cnro @/EAoBE.

5. H
  bursa db h fajdvary rnno ds hssdstdbi
hssdstdbi wdtm tma fajdvary nc h baw`nrb dbch
dbchbt.
bt. Hctar tma
fajdv
fa jdvar
ary,
y, tm
tma
a burs
bursaa praph
praphras
ras tn prav
pravabt
abt maht
maht jnss
jnss db tma
tma baw`
baw`nr
nrb
b rasujt
rasujtdb
dbi
i crno
crno
avhpnrhtdnb `y7
 H. Yhrodbi
Yhrodbi tma erd`
erd` phf
@. Vurbdbi nb tma nvarmahf rhfdhbt whroar 
E. Ejnsdbi tma fnnrs tn tma rnno
F. Frydbi tma dbchbt db h whro `jhbkat
HBUYAP7 F.
PHVDNBHJA7 Avhpnrhtdnb nc ondstura crno h wat `nfy fdssdphtas maht hjnbi wdtm
tma ondstura. Kaapdbi tma baw`nrb fry `y frydbi tma wat baw`nrb dbchbt wdjj
pravabt mypntmarodh vdh avhpnrhtdnb.

6. Unnb hctar fajdvary h banbhta ds hfodttaf tn tma eabtrhj bursary. Vma bursary bursa
`aidbs tma dbdtdhj hssassoabt `y
 

 H. Huseujthta
Huseujthta `nwaj
`nwaj snubfs.
snubfs.
@. Fatarodbdbi emast edreuocarabea.
E. Dbspaetdbi tma pnstura, enjnr, hbf raspdrhtnry accnrt
accnrt..
F. Emaekdbi cnr dfabtdcydbi `drtmohrks.
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7A7 Ahem
Ahem baw`
baw`nrb
nrb `h`y
`h`y ds ehrac
ehracuj
ujjy
jy emaek
emaekaf
af ht `drtm
`drtm cnr sdib
sdibs
s nc 

prn`jaos
axho tmhtnr enopjdehtdnbs.
dbejufas Vma systao.
avary `nfy mahjtmehra prnvdfar
Vma Hpihr wdjj fnmajps
senra h enopjata pmysdehj
cdbf `rahtmdbi
prn`jaos hbf ntmar mahjtm dssuas. Dt ds phrt nc tma spaedhj httabtdnb idvab tn h
`h`y db tma cdrst caw odbutas hctar `drtm. Vma `h`y ds emaekaf ht 8 odbuta hbf 1
odbutas hctar `drtm cnr mahrt hbf raspdrhtnry rhtas, ouseja tnba, racjaxas, hbf
enjnr.

1. Vma mahf
mahf bursa
bursa ds pras
prasabt
abtdb
dbi
i afue
afuehtd
htdnb
nb tn ENE
ENE bursd
bursdbi
bi stuf
stufabt
abt tn prnont
prnonta
a
enbsdstabey db tma dbtarvabtdnbs usaf wdtm jhethtdbi ontmars. Uma aopmhsdzas tmht tma
nptdouo tdoa tn dbdtdhta jhethtdnb ds.
 H. hs sn
snnb
nb hs pnssd`ja
pnssd`ja hctar
hctar tma dbchbt—s
dbchbt—s `drtm
`drtm..
@. hctar tma ontmar mhs rastaf cnr 6-3 mnurs.
E. furdbi tma dbchbt—s saenbf pardnf nc rahetdvdty.
F. hctar tma dbchbt mhs thkab stardja whtar wdtmnut enopjdehtdnbs.
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 @rahstcaafdbi
@rahstcaafdbi smnujf dfahjjy sthrt snnb hctar ynur `h`y ds `nrb. H
`h`y ds usuhjjy hjart hctar `drtm hbf wdjj spnbthbanusjy saak tma `rahst dc jact
ubfdstur`af
ubfd stur`af db skdb-tn-skdb
skdb-tn-skdb enbthet wdtm tmadr ontmar's `nfy. Pasahrem
Pasahrem suiiasts
suiiasts
tmht h ontmar smnujf hjjnw mar `h`y tn caaf wmab tma `h`y smnws dt ds rahfy.

3. Hs h EAoNBE chedjdty bursa, hssassdbi h baw`nrb dbchbt cnjjnwdbi edreuoedsdnb hbf

bntas tmht tma edreuoedsaf hrah ds raf wdtm h sohjj honubt nc `jnnfy frhdbhia. Ymdem nc 
tma cnjjnwdbi bursdbi hetdnbs wnujf `a onst hpprnprdhta>
 H. Fneuoabt
Fneuoabt tma cdbfdbis
@. Enbthet tma pmysdedhb
E. Edreja tma honubt nc `jnnfy frhdbhia nb tma frassdbi hbf rahssass db 5< odbutas
F. Padbcnrea tma frassdbi
HBUYAP7 H.
PHVDN
PHV DNBHJ
BHJA7
A7 Vma pabds
pabds ds bnrohj
bnrohjjyjy raf furdbi
furdbi tma mahjdbi
mahjdbi prneass.
prneass. H yajjnw
yajjnw
axufhta ohy `a bntaf db 06 mnurs, hbf tmds ds h phrt nc bnrohj mahjdbi. Vma bursa
wnujf axpaet tmht tma hrah wnujf `a raf wdtm h sohjj honubt nc `jnnfy frhdbhia.
Dc tma `jaafdbi ds axeassdva, tma bursa wnujf hppjy iabtja prassura wdtm stardja
ihuza. Dc `jaafdbi ds bnt enbtrnjjaf, tmab tma `jnnf vassaj ohy baaf tn `a jdihtaf,
hbf tma bursa wnujf enbthet tma pmysdedhb. @aehusa tma cdbfdbis dfabtdcdaf db tma
quastdnb hra bnrohj, tma bursa wnujf fneuoabt tma hssassoabt.

9. Sdthodb K ds praserd`af cnr h banbhta.

banbhta. H bursa praphras tn hfodbdstar tma oafdehtdnb
db wmdem ouseja sdta>
 H. Fajtndf
Fajtndf
@. Vrdeaps
 

E. Shstus jhtarhjds
F. @deaps
HBUYAP7 E.
PHVDNBHJA7 Vma onst rajdh`ja why tn idva `h`das vdthodb K ds `y nba dbgaetdnb
dbtn tma ouseja db tma jai (dbtrhouseujhr dbgaetdnb). Nba dbgaetdnb gust hctar `drtm
wdjj prntaet ynur `h`y cnr ohby onbtms.

=. Dc ont ntm
mar wdtmdtm \KQ ds bnt hetdvaj dvajy
y trah
rahtaf fur urdb
dbi
i praibhb
bhbey (butrdtrdtdnb
dnb
onbdtnrdbi/rastrdetdnb, ate) wmht odimt `a saab db tma nccsprdbi> Uajaet tmht hjj hppjy.
 H. Oderneapmhjy,
Oderneapmhjy,
@. Enbiabdthj mahrt fdsahsa,
E. Uadzuras
F. Chedhj fysonrpmdh (rasao`jas CHU)
HBUYAP7 H., @., E., F.
PHVDNBHJA7 Vmds ds fua tn edreujhtdbi ohtarbhj oath`njdtas db catus.

4. Baw`nrb seraabdbi ds ohbfhtaf (8<<% enopjdhbea axpaetaf) hbf ds hb axhopja nc 

pnpujhtdnb seraabdbi. Vma purpnsas hra7 Uajaet tmht hjj hppjy
 H. Vn pravabt
pravabt ht jahst mhjc
mhjc nc baw`nrb
baw`nrb fahtm
fahtm wdtmnut
wdtmnut hffdtdnbhj
hffdtdnbhj enst
@. Qbfataetaf fdsnrfars (enujf hccaet jdca, oafdehj, hbf/nr oabthj cxb)
E. Vn qudekjy saphrhta hpphrabtjy wajj `h`das wmn prn`h`jy mhva tma fdsnrfar crno
tmnsa wmn prn`h`jy fn bnt
F. Vn curtmar avhjuhta prasuoaf pnsdtdva ehsas
HBUYAP7 @., E., F.
PHVDNBHJA7
PHVDN BHJA7 Vma purpnsa
purpnsa nc baw`nrb
baw`nrb seraabdbi ds tn fataet pntabtdhjjy
pntabtdhjjy chthj nr 
fdsh`jdbi enbfdtdnbs db baw`nrbs hs ahrjy hs pnssd`ja, nctab `acnra tma dbchbt
fdspjhys hby sdibs nr syoptnos nc h fdsahsa nr enbfdtdnb.

8<. Ymht spaedcde abzyoa facdedabey heenubts cnr 41% nc hjj ehsas nc enbiabdthj hfrabhj
myparpjhsdh>
08-myfrnxyjhsa
 H. 08-myfrnxyjhs a facdedabey
facdedabey
@. Astrniab sybtmathsa facdedabey
E. @ath-ijueurnbdfhsa facdedabey
F. 9-hjpmh-myfrnxyjhsa facdedabey
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 08-myfrnxyjhsa
08-myfrnxyjhsa facdedabey
facdedabey ds nba nc h irnup nc fdsnrfars
fdsnrfars kbnwb hs
enbiab
enb iabdth
dthjj hfrabh
hfrabhjj myparpj
myparpjhsd
hsdhs
hs tmht dophdr
dophdr mnronb
mnronbaa prnfuetd
prnfuetdnb
nb hbf fdsrup
fdsruptt
saxuhj
saxu hj favajn
favajnpoa
poabt.
bt. 08-myfr
08-myfrnxyj
nxyjhsa
hsa facded
facdedabe
abey
y ds raspnbs
raspnbsd`j
d`jaa cnr h`nut
h`nut 41
pareabt nc hjj ehsas nc enbiabdthj hfrabhj myparpjhsdh.
 

UHU 0<
Emaek cnr Qbfarsthbfdbi
8. H cnnf`
cnnf`nrb
nrbaa nut`r
nut`rahk
ahk nc shjon
shjonba
bajjn
jjnsd
sds
s mhs
mhs twdea
twdea neeurr
neeurraf
af ht h fhy-
fhy-tra
trahto
htoab
abtt
prnirho.
prni rho. Vma abvdrnb
abvdrnboabt
oabthj
hj mahjtm
mahjtm wnrkar
wnrkar mhs raquasta
raquastaf
f tmht hb hfvhbe
hfvhbeaf
af pu`jde
pu`jde
mahjtm bursa `a dbejufaf db tma baxt dbspaetdnb nc tma prnirho's kdtemab. Furdbi tma vdsdt,
tma bursa—s prdohry enbearb ds tn7

 H. Afue
Afuehta
htatma
@. Absura kdtem
kdtemab
ab wnrkars
wnrk
wnrkars ars h`nut
h`nut shcanchbf
ubfarsthbfdbi hvhrdnus
bf cnnf odernnrihbdso.
praphrhtdnb
praphrhtdnb..
E. Dfabtdcy ntmar rasnureas cnr prnvdfdbi vhrdnus odernnrihbdso.
F. \rnonta tma mahjtm nc ejdabts hccaetaf `y tma pravdnus nut`rahk.
HBUYAP7 H.
PHVDNBHJA7 Cnnf shcaty hbf cnnf myidaba hra dopnrthbt hs tmay absura tmht tma
cnnf ynu mhbfja hbf prnfuea ds shca cnr enbsuoptdnb. Dc cnnf shcaty hbf myidaba
hra bnt ohdbthdbaf, enbsuoars enujf `aenoa sardnusjy djj wdtm cnnf pndsnbdbi
hbf cnnf`nrba djjbassas.

  H rasdfabt
0. H rasdfabt db nba nc tma enooubdtdas
enooubdtdas enopjhdbaf
enopjhdbaf nc ubheeapth
ubheeapth`ja
`ja soajj nb tmadr hrahs
hrahs
wmdem jahf tn jnts nc cjahs nb tmadr surrnubfdbis. Vn wmno fnas tma rurhj mahjtm bursa
hpprnhem>
 H. Oubdedphj
Oubdedphj mahjtm
mahjtm nccdear 
nccdear 
@. Purhj mahjtm odfwdca
E. Purhj shbdthtdnb dbspaetnr 
F. @hrhbihy mahjtm wnrkars.
HBUYAP7 E.
PHVDN
PHV DNBHJ
BHJA7
A7 H Purhj
Purhj Uhbdth
Uhbdthtdn
tdnb
b Dbspae
Dbspaetnr
tnr ds hb nccdedh
nccdedhjj hppndb
hppndbtaf
taf tn nvarsaa
nvarsaa
pu`j
pu `jde
de myid
myidab
abaa hbf
hbf mahj
mahjtm
tm;; h pu`j
pu`jde
de mahj
mahjtm
tm dbsp
dbspaet
aetnr.
nr. Vma
Vma bursa
bursa het
het hs hb
hfvnehta nr chedjdthtnr tn chodjdas db tma enooubdty db ohttars nc 
prnirho/prng
prnirho /prngaets/he
aets/hetdvdtd
tdvdtdas
as nb abvdrnboabth
abvdrnboabthjj mahjtm db ennrfdbhtdnb
ennrfdbhtdnb wdtm ntmar 
oao`ars nc Purhj Mahjtm Qbdt (PMQ) aspaedhjjy tma Purhj Uhbdthry Dbspaetnrs.

5. Ejahb Hdr Het mhs `aab ejahrjy facdbaf db wmht Papu`jde Het>
 H. P.H. =964
@. P.H. 4<<5
E. P.H. =963
F. Hjj nc tma h`nva
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Ejahb Hdr Het (P.H.=964) tma invarboabt's
invarboabt's oahsuras tn rafuea hdr 
pnjjutdnb hbf dbenrpnrhta abvdrnboabthj prntaetdnb dbtn dts favajnpoabt pjhbs.

6. @hrhb
@hrhbihy
ihy mahjt
mahjtm
m wnrka
wnrkars
rs ehjja
ehjjaf
f cnr h `hrh
`hrhbibihy
hy hs
hssa
sao`j
o`jy
y oaatd
oaatdbi
bi.. Vma
Vma tnpde
tnpde
oabtdnbaf h`nut ”Ejahb Hdr Het—. Nba nc tma edtdzabs hskaf h`nut, wmht hra snoa nc 
tmadr Pdimts db heenrfhbea tn Ejahb Hdr Het. Vma PMQ sthcc abuoarhtaf tma rdimts
axeapt7
 H. Pdimt tn `rahtm

@. Pdimt tn utdjdza hbf abgny hjj-bhturhj rasnureas heenrfdbi tn prdbedpjas nc susthdbh`ja

favajnpoabt.
 

E. Pdimt tn fdsehrf bnb- mhzhrfnus mnusamnjf, enooaredhj, dbstdtutdnbhj whsta.

F. Pdimt tn heeass tn pu`jde raenrfs wmdem h edtdzab ohy baaf tn axaredsa mds/mar rdimts
accaetdva ubfar tmds het.
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Jattar E ds bnt dbejufaf. Hbntmar
Hbntmar rdimt ds tma rdimt tn `a dbcnroaf nc 
tma bhtura hbf axtabt nc tma pntabtdhj mhzhrf nc hby hetdvdty, ubfarthkdbi, nr 

prng
prngaet
pnjj aet hbf
pnjjutdnb
utdnbhbf tn
hbf `aheedfabthj
tma sarv
sarvaf
af td
tdoa
oajy
nr jy bntd
bntdea
ea nc
fajd`arhta hby
hby sdib
rajahsa sdibdc
dbtn dcde
dehb
tmahbt
t rdsa
rdsa mara
db tm
htonspmara
htonsp tma
a javaj
nc javaj nc 
mhrocuj
mhrocu j
nr mhzhrfnus su`sthbeas.

1. H bawjy mdraf odfwdca hssdibaf db h raonta rurhj mahjtm ubdt hs baw PMO. Vma
cnjjnwdbi hra tma cubetdnbs nc tma PMO axeapt7
 H. Ohbhias
Ohbhias @MU hbf suparvdsas,
suparvdsas, trhdbs @MY
@MY
@. Enbfuets phtdabt—s hssassoabt hbf fdhibnsds cnr racarrhj nr curtmar ohbhiaoabt
E. Emaek mahjtmy pmysdehj abvdrnboabt
F. Nrihbdz
Nrihbdzas
as enooubdt
enooubdty y hbf chedjdth
chedjdthtas
tas `hrhbi
`hrhbihy
hy pjhbbdb
pjhbbdbi
i hbf enooubdt
enooubdty
y mahjtm
mahjtm
sarvdeas
HBUYAP7 H.
PHVDNBHJA7
PHVDN BHJA7 Odfwdvas fnb—t ohbhia ma `hrhbihy `hrhbihy mahjtm sthtdnb
sthtdnbs
s hbf fnasb—t
trhdb tma `hrhbihy mahjtm wnrkars. H `hrhbihy mahjtm wnrkar ds h parsnb wmn mhs
ubfa
ub farin
rinba
ba trhd
trhdbd
bdbi
bi prni
prnirh
rhos
os ubfa
ubfarr hby
hby heera
heerafd
fdta
taf
f invar
invarbo
boab
abtt hbf
hbf bnb-
bnb-
invar
in varbo
boab
abtt nrih
nrihbdbdzht
zhtdn
dnb
b hbf
hbf wmn
wmn vnju
vnjubt
bthrd
hrdjy
jy rab
rabfa
fars
rs prdo
prdohry
hry mahj
mahjtm
tm ehra
ehra
sarvdeas db tma enooubdty hctar mhvdbi `aab heerafdtaf tn cubetdnb hs suem `y
tma jnehj mahjtm `nhrf db heenrfhbea wdtm tma iudfajdbas prnoujihtaf `y tma FNM.

3. Ymdem nc tma cnjjnwdbi ds tma odssdnb nc tma Faphrtoabt nc Mahjtm>

 H. Mahjtm
Mahjtm cnr hjj Cdjdpdbns
@. Absura tma heeassd`djdty hbf quhjdty nc mahjtm
E. Doprnva tma iabarhj mahjtm sthtus nc tma pnpujhtdnb
F. Mahjtm db tma mhbfs nc tma Cdjdpdbn panpja `y tma yahr 0<0<
HBUYAP7 @.
PHVD
PH VDNB
NBHJ
HJA7
A7 Vma
Vma Faphr
Faphrto
toab
abtt nc Mahj
Mahjtmtm,, hs tm
tma
a bhtd
bhtdnb
nb's
's jahf
jahfar
ar db mahj
mahjtm
tm,, ds
enoodttaf tn iuhrhbtaa aqudth`ja, heeassd`ja hbf quhjdty mahjtm sarvdeas cnr hjj
Cdjdpdbns.
Cdjdpdbns. Hbf smhjj enbtdbuhjjy
enbtdbuhjjy doprnva nur quhjdty
quhjdty ohbhiaoabt
ohbhiaoabt systaos tn tma
shtdschetdnb nc nur edtdzabs.

9. H 6-yahr-njf ejdabt whs `rnuimt tn tma mahjtm eabtar wdtm emdac enopjhdbt nc savara
fdhrrmah hbf tma phsshia nc ‚rdea whtar‟. Vma ejdabt ds onst prn`h`jy succardbi crno
wmdem enbfdtdnb>
 H. Idhrfdhsds
Idhrfdhsds
@. Emnjarh
E. Hona`h
F. Fysabtary
HBUYAP7 @.

PHVDN
PHVDNBHJA7
BHJA7 hbf
@ntm hoa`de \hsshia nc prncusa
`hedjjhry whtary
fysabtary hra stnnjs ds tma ohgnr
emhrhetardzaf ohgnr syoptno
syoptn
`y tma o nc nc
prasabea emnjarh.
emnja rh.
`jnnf
 

hbf/nr oueus db tma stnnjs. Idhrfdhsds ds emhrhetardzaf `y cht ohjh`snrptdnb hbf,

tmaracnra, stahtnrrmah.

=. Ymht ds tma het nc ejahbdbi nba—s mhbfs wdtm tma usa nc hby jdqudf wdtm nr wdtmnut snhp
cnr tma purpnsa nc raonvdbi fdrt nr odernnrihbdsos>
 H. Hsaptde
Hsaptde taembdqua
taembdqua

@.
E. Mhbfwhsmdbi
Oafdehj Hsapsds
F. Uuridehj Hsapsds
HBUYAP7 @.
PHVDNBHJA7 Mhbfwhsmdbi ds tma het nc ejahbdbi nba's mhbfs wdtm tma usa nc hby
jdqudf wdtm nr wdtmnut snhp cnr tma purpnsa nc raonvdbi fdrt nr odernnrihbdsos. Dt
ds tma onst
onst accaetd
accaetdva
va oahsur
oahsuraa db rafued
rafuedbi
bi tma rdsk
rdsk nc trhbsod
trhbsodttd
ttdbi
bi dbcaetd
dbcaetdnus
nus
fdsahsas.

4. Vma ejdbdehj dbstruetnr

dbstruetnr hsks mar stufabts tma rhtdnbhja cnr mhbfwhsmdbi.
mhbfwhsmdbi. Vma stufabts
stufabts
hra enrraet dc tmay hbswaraf tmht mhbfwhsmdbi ds axpaetaf tn raonva7
Vrhbsdabt
 H. Vrhbs dabt cjnrh crno tma skdb
skdb..
@. Pasdfabt cjnrh crno tma skdb.
E. Hjj odernnrihbdsos crno tma skdb.
F. Oafdh cnr `hetardhj irnwtm.
HBUYAP7 H.
PHVD
PH VDNB
NBHJHJA7
A7 Vmar
Vmaraa hra
hra twn
twn ty
typa
pas
s nc bnro
bnrohjhj cj
cjnr
nrh7
h7 tr
trhb
hbsd
sdab
abtt hbf
hbf rasd
rasdfa
fabt
bt..
Vrhbsdabt
Vrhbsd abt cjnrh hra bnrohj cjnrh tmht h parsnb pdeks up `y enodbi
enodbi db enbthet wdtm
n`gaets nr hbntmar parsnb (a.i., wmab ynu tnuem h sndjaf frassdbi). Tnu ehb
raonva tmasa wdtm mhbf whsmdbi. Pasdfabt cjnrh jdvas faap db skdb jhyars wmara
tmay jdva hbf oujtdpjy mhrojassjy. Vmay hra parohbabt dbmh`dthbts nc tma skdb hbf
ehbb
ehbbntnt usuh
usuhjj
jjy
y `a raraononva
vaf
f wdtm
wdtm rnut
rnutddba mhbf
mhbf whsmd
hsmdbibi.. Paon
Paonvd
vdbi
bi hjj
hjj
odernnrihbdsos crno tma skdb (stardjdzhtdnb) ds bnt pnssd`ja wdtmnut fhohidbi tma
skdb tdssuas. Vn jdva hbf tmrdva db muohbs, odern`as oust `a h`ja tn usa tma
`nfy—s praedsa `hjhbea nc cnnf, ondstura, butrdabts, ajaetrnjytas, pM, taoparhtura,
hbf
hb f jd
jdim
imt.
t. Cnnf
Cnnf,, whtar
whtar,, hbf
hbf sndj
sndj tm
tmht
ht prnvd
prnvdfa
fa tm
tmasa
asa en
enbf
bfdt
dtdn
dnbs
bs ohy
ohy sarva
sarva hs
bnbjdvdbi rasarvndrs. Mhbf whsmdbi fnas jdttja tn ohka tma skdb ubdbmh`dth`ja cnr 
odernnrihbdsos, axeapt parmhps `rdacjy wmab hb hbtdsaptde hiabt ds usaf cnr 
ejahbsdbi.

8<. Bursas smnujf ravdaw wmdem nc tma cnjjnwdbi rapnrts tn fatarodba wmht pnjjuthbts
mhva `aab cnubf db tma frdbkdbi whtar db h enooubdty>
 H. \ndbt snurea rapnrt
@. Enbsuoar enbcdfabea rapnrt
E. Ohtardhj Uhcaty Fhth Umaat
F. Abvdrnboabthj sthbfhrfs rapnrt
HBUYAP7 @.
PHVDNBHJA7 Enbsuoar Enbcdfabea Papnrts (EEPs), hjsn kbnwb hs whtar quhjdty

rapnrts
h`nut
h`n nr frdbkdbi
ut tma quhjd
quhjdty whtar
ty nc ynuquhjdty
ynur
r frdbkdrapnrts,
frdbkdbi prnvdfa
bi whtar.
whtar. ynu. wdtm
Vma Q.U.
Q.U dopnrthbt
Abvdrn
Abvdrnboa bthjjdbcnrohtdnb
boabth \rntaetd
\rntaetdnb
nb
 

Hiabey (A\H) raqudras avary enooubdty whtar suppjdar tn prnvdfa h EEP tn dts
eustnoars.
 

UHU 08
Emaek cnr Qbfarsthbfdbi
8. Ymab prasabtdbi
prasabtdbi stufabt
stufabt mahjtm
mahjtm hssasso
hssassoabtabt fhth db h prncassd
prncassdnbhj
nbhj oaatdbi nr 
pu`jdsmaf fneuoabt, tma semnnj bursa ds atmdehjjy `nubf tn absura tmht7
 H. stufabts wmnsa hssassoabt
hssassoabt rasujts mhva `aab prasabtaf
prasabtaf hra faserd`af
faserd`af usdbi nbjy
tmadr
@. facdbdbistufabts
dbfdvdfuhj emhrhetardstdes.
ehbbnt `a dfabtdcdaf nb tma `hsds nc hby nc tma fhth prasabtaf .
E. tm
tma
a fhth
fhth ds fdstrd
fdstrd`u
`uta
taf
f `acn
`acnra
ra pu`jde
pu`jdehtd
htdnb
nb tn tma chodj
chodjdas
das nc tma
tma stufa
stufabt
bts
s wmnsa
wmnsa
hssassoabt rasujts mhva `aab usaf.
F. fhth hra prasabtaf hs dbfdvdfuhj rasujts rhtmar tmhb hs hiiraihta fhth nr fhth db
suoohry cnro
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Heenrfdbi tn tma Bhtdnbhj Hssnedhtdnb
Hssnedhtdnb nc Uemnnj Bursas (BHUBB H
U B) enfa nc atmdes hbf sthbfhrfs nc prncassdnbhj bursdbi prhetdea, semnnj bursas
oustt ohdbthd
ous ohdbthdbb tma enbcdf
enbcdfabtd
abtdhjd
hjdty
ty hbf prntaet
prntaetdnb
dnb nc dbfdvd
dbfdvdfuh
fuhjj stufab
stufabts
ts wmab
wmab
prasabtdbi mahjtm-rajhtaf fhth nr ntmar avdfabea hbf rasahrem cdbfdbis. Djjdbnds
semnnj bursas hra raqudraf tn upmnjf tma iuhrhbtaa nc enbcdfabtdhjdty nc mahjtm
dbcnrohtdnb ohbfhtaf `y tma Mahjtm Dbsurhbea \nrth`djdty hbf Heenubth`djdty Het
(MD\HHM
(MD\HHM D \ H H), tma Chodjy Afuehtdnb
Afuehtdnb Pdimts \rntaetdnb Het (CAP\HC A P \ H),
hbf tma Djjdbnds Uemnnj Utufabt Paenrfs Het. Db hffdtdnb, semnnj bursas oust
hfmara tn tma atmdes nc prncassdnbhj rasahrem hbf pu`jdsmdbi, wmdem spaedcdehjjy
hffrass prdvhey, enbcdfabtdhjdty, hbf ntmar jaihj dssuas.

  Heenrfdbi tn sthta iudfajdbas

0. Heenrfdbi iudfajdbas rajhtaf tn
tn raspnbsd`djdtdas
raspnbsd`djdtdas nc
nc semnnj mahjtm
mahjtm prnirho
prnirho sthcc,
wmdem nc tma cnjjnwdbi cubetdnbs ds onst hpprnprdhta cnr h semnnj bursa tn hssdib tn h
mahjtm sarvdeas ejark>
 H. hssassdbi
hssassdbi tma butrdtdnbhj
butrdtdnbhj baafs nc tma nvarhjj
nvarhjj stufabt
stufabt pnpujhtdnb
pnpujhtdnb db tma
tma semnnj
semnnj
@. nvarsaadbi oafdehj trahtoabt raidoabs tmht hra sajc-hfodbdstaraf `y stufabt
E. ehrrydbi nut favajnpoabthj seraabdbi tasts tmht dbvnjva n`sarvhtdnb hbf dbtarvdawdbi
F. enjjaetdbi, ohdbthdbdbi, hbf upfhtdbi aoariabey dbcnrohtdnb cnr hjj stufabts
HBUYAP7 F.
PHVDNBHJA7 Accaetdva fajaihtdnb db semnnj bursdbi nctab dbvnjvas usdbi tma "cdva
rdi
rdimts
mts nc fajai ajaiht
htddnb"
nb" tn hssahssasss hppr
hpprnp
nprd
rdht
htab
abas
asss (d.a
(d.a.., rdi
rdimt ththsk
sk,, rdi
rdimt
edre
edreuo uost
sthb
hbea
eas,
s, rdim
rdimtt pars
parsnb
nb,, rdim
rdimtt fdra
fdraet
etdn
dnbs
bs hbf
hbf enooenooub ubde
deht
htdn
dnb,
b, rdim
rdimtt
suparvdsdnb hbf avhjuhtdnb). Ymdja staps db tma bursdbi prneass smnujf bnt `a
faja
fa jaih
ihtaf
taf,, thsks
thsks suem
suem hs enjjenjjaet
aetdb
dbi,
i, ohdb
ohdbthdthdbd
bdbi
bi,, hbf
hbf upfh
upfhtdtdbi
bi aoari
aoariab
abey
ey
enbthet hbf mahjtm dbcnrohtdnb cnr stufabts hra hpprnprdhta tn fajaihta. H semnnj
mahjtm hdfa, phrhprncassdnbhj, nr ntmar ubjdeabsaf hssdstdva parsnbbaj (QH\Q H \)
typdehjjy ehrrdas nut ejardehj futdas suem hs dbcnrohtdnb ihtmardbi, raenrf kaapdbi,
cdjdbi, enbthetdbi stufabts hbf chodjdas, hbf ohdbthdbdbi mahjtm nccdea hbf oafdehj
suppjdas.

5. Ht tma `aidbbdbi nc tma semnnj yahr, db hffdtdnb tn favajnpdbi h fdh`atde ohbhiaoab

ohbhiaoabtt

pjhb cnr tma stufabt, dt ds onst dopnrthbt cnr tma semnnj bursa tn7
 

 H. enbcar wdtm tma stufabt

stufabt,, mds chodjy, hbf mds mahjtm-e
mahjtm-ehra
hra prnvdfar raihrfdb
raihrfdbi
i
dbtarvabtdnbs cnr `jnnf suihr cjuetuhtdnbs.
@. ravdaw wdtm tma stufabt hbf mds chodjy eurrabt raenooabfaf bursdbi dbtarvabtdnbs cnr 
trahtdbi hbf onbdtnrdbi apdsnfas nc fdh`atde katnhedfnsds.
E. absura tmht tma stufabt's
stufabt's chodjy ubfarsthbfs tma atdnjniy nc fdh`atas hs h phberahtde
phberahtde
eajj h`bnrohjdty tmht ds dbdtdhtaf `y h vdrhj nr hutndoouba fdsnrfar.
F.
tmafdseuss
stufabt tma phtmnjniy
db rajhtdnb hbf
tn tma pmysdnjniy nc fdh`atas hbf wmht tma cutura odimt mnjf cnr 
fdsahsa
HBUYAP7 H.
PHVDN
PHV DNBHJ
BHJA7A7 Utufab
Utufabts ts wdtm
wdtm typa 8 fdh`at
fdh`atas
as raqudr
raqudra
a h tmnrnu
tmnrnuim im hssass
hssassoab
oabtt nc 
tmadr
tmadr mahjtm
mahjtm baafs
baafs hbf h spaedc spaedcde
de mahjtm
mahjtm pjhb
pjhb tmht
tmht hffrass
hffrassasas semafu
semafujas
jas hbf
prneafuras cnr `jnnf ijuensa onbdtnrdbi hbf/nr ehr`nmyfrhta onbdtnrdbi, oahj
hbf sbhek enbsdfarhtdnbs, trahtoabt hbf oafdehtdnb prntnenjs, hbf staps cnr 
raspnbfdbi tn cjuetuhtdnbs db `jnnf suihr javajs. Db hffdtdnb tn ravdawdbi oafdehj
hbf afuehtdnbhj raenrfs, dt ds assabtdhj cnr tma semnnj bursa tn dbtarvdaw hbf
enbsujt wdtm tma stufabt hbf mds nr mar phrabts/iuhrfdhbs tn jahrb h`nut tma
stufabt's fdh`atas raidoab, pmysdedhb raenooabfhtdnbs, hbf mnw hbf wmab tma
chod
chodjy
jy hbf
hbf stuf
stufababtt onbd
onbdtntnrr tma
tma st
stuf
ufab
abt'
t's
s ijue
ijuens
nsa
a java
javajs
js.. Vma
Vma pr
prne
neas
asss nc 
favajnpdbi dbtarvabtdnbs ohy dbvnjva n`thdbdbi ohtardhjs hbf oafdehj suppjdas
baea
ba eass
sshry
hry cnr parcn
parcnro
rodb
dbi
i fdh`
fdh`at
atas
as ehra
ehra thsks
thsks crno
crno tmtma
a phrab
phrabts/
ts/iu
iuhr
hrfd
fdhb
hbs,
s,
df
dfab
abtd
tdcy
cydb
dbi
i tm
tma
a th
thri
riat
at rhbia
rhbia cncnrr `jnn
`jnnf
f ijue
ijuens
nsa
a javaj
javajs
s raeno
raenooa
oabf
bfaf
af `y tm tma
a
stufabt's
stufab t's pmysdedhb, fneuoabtdbi
fneuoabtdbi hbf sabfdbi
sabfdbi `jnnf ijuensa javajs mnoa tn `a
hssassa
hss assaf f `y phrabt
phrabts/i
s/iuhrf
uhrfdhb
dhbs,
s, bntdcy
bntdcydbi
dbi phrabts
phrabts/iu
/iuhrf
hrfdhb
dhbs
s dooafd
dooafdhtaj
htajy
y nc 
axtraoajy mdim nr jnw ijuensa javajs, hbf hiraadbi nb spaedcde dbtarvabtdnbs cnr 
fdh`atde aoariabedas db semnnj sattdbis.

6. Vma semnnj bursa wnujf jdka tn enjjh`nrhta wdtm tma stufabt's odffja semnnj tahemars
db ohbhi
ohbhidbi
dbi mds mahjtm
mahjtm-eh
-ehra
ra ba
baaf
afs.
s. Ymdem
Ymdem nc tma
tma cnjjn
cnjjnwd
wdbi
bi strht
strhtaid
aidas
as ds tma onst
onst
hpprnprdhta why nc dbvnjvdbi tahemars db h mahjtm ehra pjhb cnr tmds stufabt>
 H. suiiastdbi tn tahemars tmht tmay `uy hbf stnra mahjtmcuj sbheks db tma ejhssrnno db
ehsa nc hb hedfnsds nr mypnijyeaode rahetdnb
@. dberahsdbi tahemars' ubfarsthbfdbi nc fdh`atas, sdibs nc ahrjy dbsujdb rahetdnb, hbf
wmht tn fn dc syoptnos hppahr 
E. hskdbi tahemars tn fasdibhta h prdvhta enrbar nr pjhea db tma ejhssrnno wmara tma
stufabt ehb tast hbf raenrf mds `jnnf javajs
F. favajnpdbi h prntnenj
prntnenj hbf trhdbdbi enursa cnr tahemar hfodbdstrhtdnb
hfodbdstrhtdnb nc oafdehtdnb
oafdehtdnb db
aoariabedas
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Vahemars wmn mhva stufabts wdtm fdh`atas fdh`atas db tmadr ejhssas
ejhssas smnujf
smnujf
mhva `hsde kbnwjafia h`nut tma fdsahsa hbf mnw tn hssdst stufabts db ohbhidbi
tma fdsahsa. Vma semnnj bursa ehb ennrfdbhta enbcarabeas wdtm tma stufabt wmn
mhs fdh`at
fdh`atas
as hbf tma stufabt'
stufabt'ss phrabts
phrabts/iu
/iuhrfd
hrfdhbs
hbs,, tahema
tahemars,
rs, hbf prdbed
prdbedphj
phj tn
fdseuss
fdseu ss tma stufabt's
stufabt's mahjtm hbf favajnp h ehra pjhb cnr tma stufabstufabt.
t. Vma semnnj
bursa smnujf absura tmht tahemars hra chodjdhr wdtm tma suppjdas stufabts ohy

baa
baaf
f furdbi
furoatar,
ijuensa dbi tmaijuensa
semnnj
semnnj th`jats,
fhy (a.i.,
(a.gudea
i., tastdb
tastdbi
i strdps,
strd
`nxas), ps, dbsujd
sdibs dbsujdb
hbf b pab,
pab, jhbeats
jhbeats,
syoptnos , `jnnf
nc jnw`jnnf
hbf
 

mdim
mdim `jnnf
`jnnf suih
suihr,
r, hetd
hetdnb
nb pjhb
pjhbss cn
cnrr mypn
mypnij
ijye
yeao
aodhdh hb
hbff mypa
mypari
rijy
jyea
eaod
odh,
h, hbf
enooubdehtdnb hbf raspnbsa enbsdfarhtdnbs (a.i., enbthetdbi phrabts/iuhrfdhbs
db tm
tma
a avab
avabtt nc h fdh`
fdh`at
atde
de aoar
aoariaiabe
bey,
y, bava
bavarr hjjn
hjjnwd
wdbi
bi h st
stuf
ufab
abtt wmn ds
axpardabedbi
axpardabedbi jnw `jnnf suihr tn whjk tn tma bursa—s
bursa—s nccdea hjnba). Vmara hra hjsn
ohby
oh by pr
prnc
ncas
assd
sdnb
nbhj
hj ra
rasn
snur
ureas
eas tmtmht
ht ehb
ehb supp
suppnr
nrtt h semnn
semnnjj bursa
bursa's
's accnr
accnrts
ts db
afuehtdbi stufabts h`nut fdh`atas, dbejufdbi fnwbjnhfh`ja mhbfnuts crno tma
Ya` sdtas nc bhtdnbhj fdh`atas nrihbdzhtdnbs.
1. Vma semnnj bursa emaeks tma aoariabey ehra pjhb nb cdja tmht nutjdbas staps tn thka dc 
tma stufabt axmd`dts sdibs nc mypnijyeaodh. Heenrfdbi tn eurrabt sthbfhrfs nc semnnj
bursdbi prhetdea, wmdem nc tma cnjjnwdbi hetdnbs ds onst hpprnprdhta tn thka cdrst db
raspnbsa tn h mypnijyeaode rahetdnb db h enbsednus stufabt>
 H. hfodbdstardbi
hfodbdstardbi whro
whro ejahr
ejahr cjudfs nr
nr fdat snfh
snfh db sdps
sdps
@. hfodbdstardbi h qudekjy fdiastd`ja prntadb snurea hbf onbdtnrdbi tma stufabt cnr 81
odbutas
E. hfodbdstardbi dbsujdb heenrfdbi tn tma fnsa spaedcdaf db tma stufabt's dbsujdb semafuja
F. hfodbdstardbi ijuensa th`s nr h chst-hetdbi ehr`nmyfrhta suem hs gudea, ehka iaj, nr 
ehbfy
HBUYAP7 F.
PHVDNB
PHVD NBHJHJA7
A7 H mypn
mypnij
ijye
yeao
aode
de (jnw
(jnw `jnn
`jnnff suih
suihr)
r) rahe
rahetd
tdnb
nb ehb
ehb neeu
neeurr db h
enbsednus stufabt wmn mhs typa 8 fdh`atas wmab tma stufabt's dbsujdb javaj ds tnn
mdim, wmab tma stufabt odssas nr fajhys cnnf dbthka, nr wmab tma stufabt nvar-
axaredsas. Db tmasa ehsas, tma semnnj bursa smnujf hfodbdstar h snurea nc suihr,
db tma cnro nc ijuensa th`s nr iaj/dedbi, nr sdopja ehr`nmyfrhtas suem hs gudea,
raiujhr snfh, ehbfy, nr mnbay. Hctar 8< nr 81 odbutas hbf nbea syoptnos mhva
`aab hjjavdhtaf, tma semnnj bursa ohy prnvdfa tma stufabt wdtm h prntadb hbf
ehr`nmyfrhta sbhek (a.i., emaasa hbf erhekars).

3. Vma mnoa mahjtm bursa vdsdts tma mnoa nc h ejdabt fdhibnsaf wdtm onfarhta-sthia
 Hjzmadoar—s
 Hjzmadoa r—s fdsahsa. Vma phtdabt ds pjahshbtjy
pjahshbtjy enbcusaf
enbcusaf hbf jdvas wdtm mds snb-db-jhw
snb-db-jhw
hbf fhuimtar. Ymdem nc tma cnjjnwdbi n`sarvhtdnbs, dc ohfa `y tma bursa, ds ONUV
enbearbdbi>
 H. Vma ruis
ruis hra saeuraf shcajy tn
tn tma cjnnr.
cjnnr.
@. Vma stnvatnps fn bnt turb nb wdtmnut hetdvhtdnb nc h mdffab swdtem db tma bahr`y
frhwar.
E. Vmara hra axtabsdnb enrfs nb tma cjnnrs `amdbf curbdtura.
F. Vma fnnr mhs h jnek wdtm h `njt.
HBUYAP7 F.
PHVDNBHJA7 Fnnrs baaf tn mhva jneks db htypdehj jnehtdnbs (a.i., tnps nc fnnrs)
tn pravabt tma phtdabt crno bdimttdoa enbcusaf whbfardbi.

9. Vma enophby bursa ds ehrdbi cnr h phtdabt wmn mhf hb htthek nc vartdin wmdja wnrkdbi
dbsdfa tma enophby. Vma bursa kbnws tmht tma onst dopnrthbt enbsdfarhtdnb db raihrf
cnr phtdabt shcaty ds tn7

 H. Nccar
Nccar tma phtdabt
phtdabt hjtarbhtdva
hjtarbhtdva oahj
oahj emndeas
emndeas crno tma
tma ehcatardh.
ehcatardh.
 

@. Hsk tma bursdbi hssdsthbt tn whjk wdtm tma phtdabt wmab sma baafs tn usa tma
`htmrnno.
E. Phdsa tma sdfa rhdjs nb tma phtdabt—s `af.
F. Paodbf tma phtdabt tn whsm mar mhbfs craquabtjy, aspaedhjjy hctar vndfdbi nr `acnra
oahj tdoas.
 HBUYAP
HBUYAP7
PHVDNBHJA7 H. Vma phtdabt ohy hsk tma majp nc h bursdbi hssdsthbt `ut wa baaf tn
`a rahjdstde db taros nc tma `usdbass nc tma bursdbi hssdsthbt hs wajj; puttdbi h
emhdr db crnbt enujf hetuhjjy majp. Vmara hra cnnfs tmht smnujf `a hvndfaf wdtm
vartdin, tmds enujf majp tma phtdabt. Cnnf rdem db snfduo jdka sny shuea, emdps,
pnpenrb, emaasa, pdekjas, phphf hbf ehbbaf cnnfs hra tn `a hvndfaf. Tnu ohy
rapjhea ynur raiujhr shjt wdtm jnw snfduo shjt hs snfduo ds tma ohdb eujprdt db
hiirhvhtdbi vartdin.

=. Vma neeuphtdnbhj
neeuphtdnbhj bursa ds enrraetjy dopjaoabtdbi
dopjaoabtdbi tma praserd`af
praserd`af trhbsodssdnb-`hsa
trhbsodssdnb-`hsaf
f
praehutdnb wmab sma fnas tmrnht/onutm swh` tn avary enophby wnrkar. Ymdem nc tma
cnjjnwdbi ds tma enrraet oatmnf>
 H. Vma bursa
bursa pjheaf
pjheaf h suppjy
suppjy nc ejahb
ejahb ohsks
ohsks db tma emdjf—s
emdjf—s rnno.
rnno.
@. Vma bursa sabfs spaedoabs tn tma jh`nrhtnry db h zdp-ejnsura `dnmhzhrf `hi.
E. Vma bursa hssdibaf tma emdjf db h saod-prdvhta rnno.
F. Vma bursa wdpas tma tmaronoatar wdtm hjenmnj avary hctar usa.
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Vma zdp-ejnsura
zdp-ejnsura pravabts enbthodbhtdnb
enbthodbhtdnb nc tma abvdrnboabt
abvdrnboabt furdbi
trhbspnrthtdnb.

4. H bursa wnrkdbi db hb neeuphtdnbhj mahjtm sattdbi wdjj onst jdkajy wnrk hs h bursa
 H. Iuhrfdhb
Iuhrfdhb
@. Ejdbdedhb/\rhetdtdnbar 
E. \u`jde mahjtm bursa
F. \mysdehj tmarhpdst
HBUYAP7 @.
PHVD
PH VDNB
NBHJHJA7
A7 Vma
Vma ohgn
ohgnrd
rdty
ty nc neeu
neeuph
phtd
tdnb
nbhj
hj mahj
mahjtmtm burs
bursasas wnrk
wnrk hs burs
bursa
a
ejdbdedhbs/prhetdtdnbars.

8<. Ymdem ds tma `ast oatmnf hb neeuphtdnbhj mahjtm bursa ehb usa wmab hssassdbi
wnrkpjhea mhzhrfs>
 H. Uthy db tma ejdbde
ejdbde
@. Yhdt cnr tma wnrkar tn hpprnhem tma bursa
E. Yhjk tmrnuim tma wnrk sdta
F. Ynrk wdtm tma wnrkars
HBUYAP7 E.
PHVDNBHJA7 Nba nc tma `ast oatmnfs hb neeuphtdnbhj mahjtm bursa ehb usa db
hssassdbi wnrkpjhea mhzhrfs ds tn whjk tmrnuim tma wnrksdta. Pavdawdbi dbedfabt

rapnrts, dbtarvdawdbi kay aopjnyaas, hbf rahfdbi tma UDE Enfa fn bnt prnvdfa tma
bursa wdtm hs ouem dbcnrohtdnb hs whjkdbi tmrnuim tma wnrksdta.
 

UHU 00
Emaek cnr Qbfarsthbfdbi
8. H bursa wmn nrihbdzas hbf asth`jdsmas h pnjdtdehj hetdnb enoodttaa (\HE) db tmadr 
jnehj
jnehj enooubdt
enooubdty
y tn hffrass
hffrass dssuas rajhtdbi
rajhtdbi tn tma heeass
heeassd`dj
d`djdty
dty hbf hccnrfh
hccnrfh`djd
`djdty
ty nc 
mahjtmehra rasnureas db tma enooubdty ds sarvdbi db wmdem ehphedty hbf rnja nc tma
raidstaraf bursa>
 H. Ejdab
Ejdabtt hfvnehta
hfvnehta
@. Enjjh`nrhtnr 
E. \njdtdedhb
F. Abtraprabaur 
HBUYAP7 H.
PHVDNBHJA7 H bursa wmn nrihbdzas hbf asth`jdsmas h pnjdtdehj hetdnb enoodttaa
(\HE) db tmadr jnehj enooubdty tn hffrass dssuas rajhtdbi tn tma heeassd`djdty hbf
hccnrfh`djdty nc mahjtmehra rasnureas db tma enooubdty ds sarvdbi hs tma ejdabt
hfvn
hf vneh
ehta.
ta. Hs ynu
ynu smnu
smnujf
jf kbnw
kbnw,, tm
tma
a facd
facdbd
bdtd
tdnb
nb nc ‚ejd
‚ejdab
abt‟
t‟ dbej
dbejuf
ufas
as bnt
bnt nbjy
nbjy
db
dbfd
fdvd
vdfu
fuhjhj ejda
ejdabt
bts,
s, hbf
hbf chodj
chodjda
das
s hs h ubdt
ubdt,, `ut
`ut hjsn
hjsn pnpu
pnpujhjhtd
tdnb
nbss suem
suem hs tm
tma
a
oao`ars nc tma jnehj enooubdty. Hjtmnuim tma bursa, hs tma nrihbdzar nc tmds
pnjdtdehj hetdnb enoodttaa (\HE), wdjj mhva tn enjjh`nrhta wdtm oao`ars nc tma
enooubdty tn prnonta tma heeassd`djdty hbf hccnrfh`djdty nc mahjtmehra rasnureas
db tma
tma enoo
enooububdt
dty,
y, tmds
tmds ds h saen
saenbf
bfhr
hry
y rn
rnja
ja rh
rhtm
tmar
ar tmhb
tmhb tma
tma pr
prdo
dohr
hry
y rnja
rnja..
Hffdtd
Hff dtdnbhj
nbhjjy,
jy, hjtmnu
hjtmnuimim tma bursa
bursa ds sarvdb
sarvdbi
i db h pnjdtd
pnjdtdehj
ehj hfvneh
hfvnehey
ey accnrt,
accnrt, tma
bursa ds bnt baeasshrdjy h pnjdtdedhb hbf tmara ds bn avdfabea tmht tmds bursa ds hb
abtraprabaur.

0. Ymdem nc tmasa sthtaoabts rajhtaf tn dbcnrohtdnb taembnjniy ds heeurhta>

 H. Unedhj batwnrks
batwnrks hbf eajj pmnba ehoarhs pnsa jnw rdsk db taros nc dbcnrohtdnb
dbcnrohtdnb
taembnjniy saeurdty hbf enbcdfabtdhjdty.
@. Vma saeurdty nc taembnjnidehj fhth hbf dbcnrohtdnb db mahjtmehra abvdrnboabts ds
onst nctab vdnjhtaf `y tmnsa wmn wnrk tmara.
E. Vma saeurdty nc taembnjnidehj fhth hbf dbcnrohtdnb db mahjtmehra abvdrnboabts ds
onst nctab vdnjhtaf `y enoputar mhekars.
F. Enoputar fhth fajatdnb fastrnys hjj avdfabea nc tma fhth.
HBUYAP7 @.
PHVDN
PHV DNBHJ
BHJA7A7 Vma saeurd
saeurdty
ty nc taembnj
taembnjnid
nidehj
ehj fhth
fhth hbf dbcnroh
dbcnrohtdn
tdnb
b db mahjtme
mahjtmehra
hra
abvdrnboabts ds onst nctab vdnjhtaf `y tmnsa wmn wnrk tmara. Vma vhst ohgnrdty
nc tmasa vdnjhtdnbs
vdnjhtdnbs neeur hs tma rasujt nc dbhfvartabt `rahemas wdtm ehrajassbass
ehrajassbass
hbf tma jhek nc tmnuimt nb tma phrt nc aopjnyaas. Vaembnjniy ds h fnu`ja-afiaf
swnrf. Vaembnjnidehj hfvhbeas suem hs eajj pmnba ehoarhs, snedhj batwnrks jdka
Chea`nnk, tajapmnba hbswardbi ohemdbas hbf chx ohemdbas pnsa iraht rdsk db
taros nc tma enbcdfabtdhjdty hbf tma saeurdty nc oafdehj dbcnrohtdnb. Enoputar 
fhth fajatdnb fnas bnt hjwhys fastrny hjj avdfabea nc tma fhth; fhth raohdbs.

5.  @ae
@aehusa
husa savarhj
savarhj fdsedpjd
fdsedpjdbas
bas suppnrt
suppnrt tma cnubfht
cnubfhtdnb
dnb nc dbcnroh
dbcnrohtdes
tdes bursdbi,
bursdbi, dt ds

dopnrthbt cnr tma dbcnrohtdes bursa tn ubfarsthbf tmht7

 

 H. Dbcnrohtdes
Dbcnrohtdes bursdbi fdccars crno ntmar fdsedpjdbas,
fdsedpjdbas, hs dt cneusas nb suppnrtdbi
suppnrtdbi tma
prneass nc n`thdbdbi fhth.
@. Dbcnrohtdes bursdbi usas tma enbeapts, tnnjs, hbf oatmnfs nc vhrdnus fdsedpjdbas tn
chedjdthta bursdbi prneass.
E. Dbcnrohtdnb taembnjniy hbf bursdbi taembnjniy hra sybnbyonus, hs tmay mhva tma
shoa inhj.
F. Vma `nubfhrdas
HBUYAP7 @. `atwaab tma vhrdnus fdsedpjdbas hra ejahrjy facdbaf
PHVDNBHJA7 Dbcnrohtdes bursdbi ds fdstdbiudsmaf crno ntmar bursdbi spaedhjtdas
`y dts cneus nb7 enoputardzaf oafdehj raenrfs. fhth hbf dbcnrohtdnb enbtabt hbf
raprasabthtdnb. fhth enfdbi hbf tma usa nc h``ravdhtdnbs. trhdbdbi hbf afuehtdnb.

6. Hfmarabea tn h sthbfhrfdzaf bursdbi jhbiuhia wdjj jahf tn7

 H. H `hrrdar
`hrrdar db bhtdnbhj
bhtdnbhj dbtarnparh
dbtarnparh`djdty.
`djdty.
@. H jhriar fhth`hsa nc dbtarvabtdnbs.
nutenoas..
E. Doprnvaf avhjuhtdnb nc bursdbi nutenoas
F. Dberahsaf bursdbi enopatabedas.
HBUYAP7 E.
PHVDN
PHV DNBHJ
BHJA7 A7 Vma `abacd
`abacdtsts nc h sthbfhr
sthbfhrfdz
fdzaf
af bursdb
bursdbi
i jhbiuh
jhbiuhia
ia dbejuf
dbejufa7
a7 `attar 
`attar 
enoo
en ooububdedeht
htdn
dnb
b honb
honbii bursa
bursass hbf
hbf ntntma
marr mahj
mahjtm
tm ehra
ehra prnv
prnvdf
dfars
ars,, dbera
dberahs
hsaf
af
vdsd
vdsd`d
`djd
jdty
ty nc bursd
bursdbi
bi dbtar
dbtarvab
vabtd
tdnb
nbs,
s, dopr
doprnv
nvaf
af phtd
phtdab
abtt ehra,
ehra, abmh
abmhbebeaf
af fhth
fhth
enjjaetdnb
enjj aetdnb tn avhjuhta
avhjuhta bursdbi ehra nutenoas,
nutenoas, irahtar hfmarabea tn sthbfhrfs
sthbfhrfs nc 
ehra, hbf chedjdthtaf hssassoabt nc bursdbi enopatabey.

1. Vma dbcnrohtdes bursa vdnjhtas h phtdabt's jaihj rdimt tn prdvhey hbf enbcdfabtdhjdty
 H. fdseussdbi
fdseussdbi h phtdabt's
phtdabt's fdhibnsds
fdhibnsds wdtm hb hutmnrdzaf
hutmnrdzaf chodjy oao`ar.
@. fdseussdbi ehra-rajhtaf dbcnrohtdnb wdtm tma phtdabt's pmysdehj tmarhpdst.
E. jn
jnnk
nkdbi
dbi up h enenjja
jjahi
hiua'
ua's
s fd
fdhib
hibns
nsds
ds hb
hbff jh`
jh`nrh
nrhtn
tnry
ry ras
rasujt
ujts
s wm
wmdja
dja ma nr sm
sma
a ds
mnspdthjdzaf..
mnspdthjdzaf
F. prnvdfdbi h mhbfncc rapnrt enbthdbdbi phtdabt dbcnrohtdnb tn hbntmar faphrtoabt.
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Jnnk
Jnnkdb
dbii up snoa
snoanbnba—
a—s
s fdhi
fdhibn
bnsdsds
s hbf jh`n
jh`nrht
rhtnr
nry
y ra
rasu
sujt
jts
s ds hb
axhopja nc h `rahem nc prdvhey. Dt fnasb—t ohttar mnw ejnsa ynu hra wdtm tma
parsnb, dc ynu hra bnt mds bursa nr hb hutmnrdzaf chodjy oao`ar tmab ynu ehb—t
jnnk up h phtdabt—s dbcnrohtdnb.

3. Qsdbi
Qsdbi phrhjja
phrhjjajj strhtaiy
strhtaiy cnr tma rnjj-nut
rnjj-nut nc hb ajaetrn
ajaetrnbde
bde oafdeht
oafdehtdnb
dnb hfodbds
hfodbdstrht
trhtdnb
dnb
systao oahbs tmht hjj7
 H. Fhth abtrdas hra ensdibaf
ensdibaf `y twn
twn mahjtm
mahjtm ehra taho
taho oao`ars.
oao`ars.
@. Oafdehtdnbs hra fneuoabtaf usdbi `ntm tma eurrabt oatmnf hbf tma baw systao .
E. Bnta`nnk enoputars hbf `hr enfa sehbbars hra pnsdtdnbaf nb tma shoa surchea.
F. Sdthj sdibs hra abtaraf nb tma shoa seraab hs ds oafdehtdnb hfodbdstrhtdnb.
HBUYAP7 @.
PHVDNBHJA7 Bursdbi fneuoabthtdnb ds assabtdhj cnr innf ejdbdehj

enooubdehtdnb. Hpprnprdhta fneuoabthtdnb prnvdfas hb heeurhta racjaetdnb nc 

 

bursdbi
bursdbi hssasso
hssassoabt
abts,
s, emhbias
emhbias db ejdbde
ejdbdehj
hj sthta,
sthta, ehra
ehra prnv
prnvdfa
dfaf
f hbf partdb
partdbabt
abt
phtdabt dbcnrohtdnb tn suppnrt tma oujtdfdsedpjdbhry taho tn fajdvar iraht ehra.

9. H fnwbtdoa nc tma ajaetrnbde mahjtm raenrf (AMP) systao ds pjhbbaf cnr tmraa onbtms
crno tnfhy. Vma dbcnrohtdes bursa ds cnroujhtdbi h enooubdehtdnb pjhb cnr tma ejdbdehj
sthcc h`nut tma fnwbtdoa. Vma bursa pjhbs tn7
 H. Hbbnubea
Hbbnubea tma upenodbi fnwbtdoa
fnwbtdoa ht systao-wd
systao-wdfa
fa oaatdbis,
oaatdbis, hbf ht faphrtoabt
faphrtoabt
oaatdbis nc spaedcde systao mnspdthjs hccaetaf `y tma fnwbtdoa.
@. @rdbi enpdas nc tma enooubdehtdnb pjhb tn DV oaatdbis, hbf fdseuss dt wdtm tma DV
fdraetnrs hbf ohbhiars.
E. \rasabt tma dbcnrohtdnb ht tma supar-usar oaatdbis, faphrtoabt hbf ubdt oaatdbis,
hbf ht ntmar spaedhjty ejdbdedhb oaatdbis, db hffdtdnb tn mhvdbi h oasshia pnstaf nb tma
oasshia-nc-tma-fhy seraab db tma AMP.
F. \rdbt cjdars wdtm tma fnwbtdoa pjhb hbf pnst tmao db `htmrnnos hbf `rahkrnnos, hs
wajj hs nb `ujjatdb `nhrfs db vhrdnus jnehtdnbs db tma mnspdthjs.
HBUYAP7 E.
PHVDNBHJA7
PHVDN BHJA7 Ejdbdedhb
Ejdbdedhbss ohy usa dbcnrohtdnb
dbcnrohtdnb systaos (a.i.(a.i.,, ajaetrnbde
ajaetrnbde oafdehj
oafdehj
raenrfs)
raenrf s) tn ennrfdbhta
ennrfdbhta ehra hbf smhra dbcnrohtdnb
dbcnrohtdnb wdtm ntmar ejdbdedhbs.
ejdbdedhbs. \htdabts
hbf
hb f ej
ejdb
dbde
dedh
dhbs
bs ohy
ohy usausa enoo
enooububdedehtd
htdnb
nb tn
tnnj
njs
s hbf
hbf dbcnr
dbcnroh
ohtd tdnb
nb rasn
rasnur
urea
eass tn
db
dbtar
tarhet
het wd
wdtm
tm nba
nba hbnt
hbntma
marr db baw
baw whys
whys.. Ehut
Ehutdn
dnb
b db usdb
usdbi
i baw
baw dbcn
dbcnroh
rohtd
tdnb
nb
rasnureas ds whrrhbtaf tn hvndf rajdhbea nb `dhsaf nr dbhpprnprdhta fhth, hbf
ejdbdedhbs ohy baaf tn fdraet phtdabts tn hpprnprdhta dbcnrohtdnb rasnureas.

=. Hfujt jahrbars onst accaetdvajy jahrb h`nut h baw ejdbdehj dbcnrohtdnb systao wmab tma
dbstruetnr7
 H. Hssuoas
Hssuoas tmht tma jahrbar
jahrbar kbnws bntmdbi h`nut tma systao.
@. @aidbs tma cnrohj trhdbdbi hs ahrjy hs pnssd`ja db tma dopjaoabthtdnb prneass.
E. Aopmhsdzas tma taembdehj spaedcdehtdnbs nc tma struetura nc tma systao.
F. Abenurhias tma jahrbar tn usa pravdnus axpardabea tn dbtarprat baw jahrbdbi
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Utufabts prdnr axpardabeas,
axpardabeas, dbtarasts,
dbtarasts, hbf tmnuimt
tmnuimt prneassas
prneassas ehb
db
dbcj
cjua
uabe
bea a tm
tma
a ja
jahr
hrbd
bdbi
bi nc eurr
eurrab
abtt enbtab
enbtabtt hrah
hrah enenbe
beap
apts
ts fua
fua tn tmtmad
adrr prdnr 
prdnr 
axpardabeas, strass, pareaptdnbs hbf httdtufas tmht ehb dbtarcara wdtm nr fdstnrt
tma ohtardhj tmht tmay hra trydbi tn jahrb.

4. Vma dbcnrohtdes bursa ds wnrkdbi nb h emhrt tn faonbstrhta tma dberahsdbi dbedfabea

nc n`asdty db tma phtdabt pnpujhtdnb ht h mahjtm ejdbde. Vma fhth wdjj raprasabt phtdabts
wmn hra nc bnrohj wadimt, nvarwadimt, n`asa, hbf onr`dfjy n`asa, hbf dt wdjj dbejufa tma
pareabthia nc tma tnthj pnpujhtdnb cnr ahem irnup. Vmds typa nc fhth ds onst accaetdvajy
raprasabtaf `y h7
 H. @hr emhrt.
emhrt.
@. Enjuob emhrt.
E. Jdba emhrt.
F. \da emhrt
emhrt..

HBUYAP7 F.
 

PHVDNBHJA7 H pda emhrt ds h spaedhj emhrt tmht usas pda sjdeas tn smnw rajhtdva
sdzas nc fhth.

8<. Dbtairhtdbi ejdbdehj prhetdea iudfajdbas wdtm hb ajaetrnbde mahjtm raenrf chedjdthtas
quhjdty doprnvaoabt oahsuraoabt `y7
Enophrdbi
 H. Enoph rdbi iudfajdba
iudfajdba phrhoatars
phrhoatars tn ejdbdehj
ejdbdehj nutenoas
nutenoas..
@. \rasabtdbi rasujts ht tma pndbt nc trahtoabt faedsdnbs.
E. \rnvdfdbi racarabea dbcnrohtdnb tn oahsuraoabt sthcc.
F. \rasabtdbi phtdabt heudty fhth.
HBUYAP7 H.
PHVDNBHJA7 Vma strabitm nc tma fhth db hb AMP ehb `a huioabtaf tmrnuim tma
usa nc tnnjs cnr cdbhbedhjs hbf ejdbdehj faedsdnb suppnrt. Vmasa tnnjs prnvdfa tma
h`dj
h` djdt
dty
y tn enop
enophrhra
a nr eno`
eno`dbdba
a fhth
fhth crno
crno ejdb
ejdbde
dehj
hj,, cd
cdbh
bhbe
bedh
dhj,
j, hbf
hbf fdstr
fdstrhe
hetd
tdva
va
snureas, tmus suppjydbi hb hffaf `abacdt tn tma nrihbdzhtdnb.
 

UHU 05
Emaek cnr Qbfarsthbfdbi
8. H parsnb, cdro nr ntmar abtdty wmdem phys cnr nr mdras tma sarvdeas nc hbntmar parsnb.
 H. En-aopjnyaa
En-aopjnyaa
@. Aopjnyar 
E. \htdabt
F. Bursdbi Nrfarjdas
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Hb aopjnyar
aopjnyar ds hb dbfdvdfuhj
dbfdvdfuhj nr nrihbdzhtdnb
nrihbdzhtdnb tmht mhs aopjnyaas.
aopjnyaas.
Aopjnyar
yars enopabsht hta
a aopjnyaayaas cnr tmadr wnrk. rk. Aopjnyarsars mhva
raspnbsd`djdtdas par cafarhj hbf sthta jhw, dbejufdbi wdtmmnjfdbi cafarhj, Unedhj
Uaeurdty, hbf Oafdehra thxas.

0. Hb dbfdehtnr nc sueeass db enooubdty nrihbdzdbi h`nut mahjtmehra `usdbass ds wmab

panpja hra h`ja tn7
 H. \hrtdedph
\hrtdedphta
ta db enooubdt
enooubdty y hetdvdtda
hetdvdtdas
s cnr tma snjutdn
snjutdnb
b nc heeaptdb
heeaptdbi
i mahjtm ehra prnfuet
wdtm jnw enst.
@. Dopjaoabt hetdvdtdas cnr tma snjutdnb nc tma enooubdty prn`jao
E. \jhb hetdvdtdas cnr tma snjutdnb nc tma enooubdty prn`jao
F. Dfabtdcy tma mahjtm prn`jao hs h enoonb enbearb
HBUYAP7 H.
PHVDN
PHV DNBHJ
BHJA7 A7 \hrtde
\hrtdedph
dphtdn
tdnb
b db enooub
enooubdtydty hetdvd
hetdvdtda
tdas
s db rasnjv
rasnjvdbi
dbi h enooub
enooubdty
dty
prn`jao ohy `a db hby nc tma prneassas oabtdnbaf db tma ntmar emndeas.

5.  Vma vhrdnus rnja nc abtraprabaursmdp

abtraprabaursmdp tmht enbtrd`uta
enbtrd`uta tma snednaenbnode
snednaenbnode favajnpoabt
db tma snedaty.
 H. Dfabtdcydbi
Dfabtdcydbi axdstdbi
axdstdbi nppnrtubdt
nppnrtubdtdas
das db tma ohrkat
@. Erahtdbi aopjnyoabt nppnrtubdtdas
E. Enbtrd`utdbi tn bhtdnbhj dbenoa
F. Enbtrd`utdbi tn Enooubdty Favajnpoabt
HBUYAP7 @.
PHVD
PH VDNB
NBHJHJA7
A7 Baw
Baw hbfhbf dopr
doprnvnvaf
af prprnf
nfue
uets
ts,, sarv
sarvde
deas
as,, nr taem
taembn
bnjn
jniy
iy cr
crno
no
abtraprabaurs abh`ja baw ohrkats tn `a favajnpaf hbf baw wahjtm tn `a erahtaf.
Hffdtd
Hff dtdnbhj
nbhjjy,
jy, dberah
dberahsaf
saf aopjny
aopjnyoaboabtt hbf mdimar
mdimar ahrbdbi
ahrbdbiss enbtrd`
enbtrd`uta
uta tn `attar 
`attar 
bhtd
bh tdnb
nbhj
hj db
dben
enoaoa db tma cn cnro
ro nc mdimmdimar
ar thx ravab
ravabua
ua hbf
hbf mdim
mdimar
ar in
invar
varbo
boab
abtt
spabfdbi.

6. Ymht hra tma rnjas hbf futdas nc tma abtraprabaur bursa>

\rnvdfa mahjtm
 H. \rnvdfa mahjtm ehra prnfuets.
prnfuets.
@. Bursdbi afuehtnr 
E. \rnonta `usdbass heenrfdbi tn nrfdbhbea nc tma jhw
F. Bnba nc tma h`nva
HBUYAP7 H hbf @.

PHVDNBHJA7
`usdbassas tnVma hbswarhbf
favajnp smnujf `a H hbf
fdstrd`uta @. Bursa
oafdehj abtraprabaurs
prnfuets ohynccar
nr favdeas, `udjffdraet
tmadr 
 

phtdab
phtdabtt ehra
ehra nr phtd
phtdab
abtt hfvn
hfvnehe
ehey,y, afue
afueht
htaa nr trhdb
trhdb nt
ntma
marr prncas
prncassd
sdnb
nbhj
hjs
s nr 
enooubdty oao`ars, nr prnvdfa mahjtm ehra-rajhtaf enbsujthtdnb, honbi ntmar 
cubetdnbs. Vma `h`y ds emaekaf ht 8 odbuta hbf 1 odbutas hctar `drtm cnr mahrt hbf
raspdrhtnry rhtas, ouseja tnba, racjaxas, hbf enjnr.

1. Hb dbfdvdfuhj wmn prnvdfas jh`nr tn h enophby nr hbntmar parsnb.

 H. Aopjnyar 
Aopjnyar 
@. Nwbar 
E. Aopjnyaa
F. Bnba nc tma h`nva
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Hb aopj
aopjny
nyaa
aa ds hb dbfd
dbfdvd
vdfu
fuhj
hj wmn
wmn wnrks
wnrks cnr snoa
snoanb
nba
a ajsa
ajsa db
axemhbia cnr enopabshtdnb.

3. Abtraprabaur bursa fnas tma wnrk suem hs

 H. Qsas mds nr mar `hekirnubf db prncassdnbhj
prncassdnbhj bursdbi
bursdbi tn sthrt tmadr nwb `usdbass wdtmdb
tma mahjtmehra dbfustry
@. Vma fhy-tn-fhy raspnbsd`djdtdas nc h bursa abtraprabaur fapabfs upnb tma spaedcde
vabtu
vabtura,
ra, `ut
`ut usuhj
usuhjjy
jy dbejuf
dbejufas
as hetdv
hetdvdtd
dtdas
as rajht
rajhtaf
af tn rubbd
rubbdbi
bi h `usd`usdbas
bass
s dbejuf
dbejufdbi
dbi
heenubtdbi, ohrkatdbi nr shjas, hbf favajnpdbi h eustnoar `hsa db tma mahjtmehra cdajf.
E. @ntm H hbf @
F. Bnba nc tma h`nva
HBUYAP7 E.
PHVD
PH VDNB
NBHJ
HJA7
A7 Vma
Vma Bursa
Bursa Abtra
Abtrapr
prab
abau
aurr fnas
fnas tma wnrk
wnrk `y7`y7 h) usas
usas mds
mds nr mar 
`hek
`h ekirn
irnub
ubf
f db prncas
prncassd
sdnb
nbhj
hj bursd
bursdbi
bi tn sthrt
sthrt tm
tmad
adrr nwb
nwb `usd
`usdbabass
ss wd
wdtmd
tmdb
b tm
tma
a
mahjtmehra dbfustry; `) `usdbass vabturas asth`jdsmaf `y raidstaraf bursas rub
tm
tma
a ihou
ihoutt crno
crno oafd
oafdeh
ehjj favd
favdeas
eas hbf
hbf mnoa
mnoa mahj
mahjtm
tm prnfu
prnfuets
ets tn dbfa
dbfapa
pabf
bfab
abtt
bursdbi sarvdeas suem hs phtdabt ehra, bursdbi afuehtdnb, mnoa mahjtm sarvdeas
hbf
hb f enbs
enbsuj
ujtd
tdbi
bi wnrk
wnrk;; hbf
hbf e) tmatma fhy-
fhy-tn
tn-f
-fhy
hy rasp
raspnbnbsd
sd`d
`djd
jdtd
tdas
as nc h bursbursa
a
abtraprabaur fapabfs upnb tma spaedcde vabtura, `ut usuhjjy dbejufas hetdvdtdas
rajhtaf
rajhtaf tn rubbdb
rubbdbii h `usdba
`usdbassss dbejuf
dbejufdbi
dbi heenubt
heenubtdbi
dbi,, ohrkat
ohrkatdbi
dbi nr shjas,
shjas, hbf
favajnpdbi h eustnoar `hsa.

9. Ymht ds tma `usdbass sdfa nc mahjtm ehra>

 H. Iabfar
Iabfar dssuas
dssuas
@. \arsnbhj hbf atmdehj enbcjdets
E. Vma mahjtmehra cdajf hjsn baafs panpja wdtm axpartdsa db hrahs jdka pnjdey hbhjysds,
cdbhbea
cdbhbea hbf hee heenubt
nubtdbi,
dbi, `uf
`ufiatd
iatdbi,
bi, muoh
muohbb rasn
rasnurea
ureas,
s, ohrk
ohrkatdb
atdbi,
i, hbf dbc
dbcnroh
nrohtdnb
tdnb
taembnjniy..
taembnjniy
F. Htmjatde trhdbar 
HBUYAP7 E.
PHVDNBHJA7 Vmay ohdbthdb cdbhbedhj rapnrts, `hjhbea smaats, ehsm cjnw hbhjysas,
hbf ntmar raenrfs cnr mahjtmehra nrihbdzhtdnbs jdka dbsurhbea enophbdas hbf
mnspdt
mns pdthjs
hjs.. Db turb,
turb, tmasa
tmasa nrihbd
nrihbdzhtd
zhtdnbs
nbs rajy
rajy nb tmasa
tmasa heenubt
heenubtdbi
dbi sarvdea
sarvdeas s hbf

raenrfs tn raohdb enopjdhbt hbf ohka strhtaide faedsdnbs.

 

=. Mnw fn ynu `aenoa h mahjtm ehra abtraprabaur>

 H. Uhjasidrj
Uhjasidrj
@. Ons
Onstt mah
mahjtm
jtmeh
ehra
ra ab
abtra
trapr
praba
abaurs
urs adt
adtmar
mar mh
mhva
va h prn
prncas
cassd
sdnbh
nbhjj fa
fair
iraa
aa nr mh
mhva
va hb
axeajjabt `hekirnubf db shjas
E. Chetnry wnrkar 
F. Utufabt
HBUYAP7 @.
PHVDNBHJA7
PHVDN BHJA7 Uueeasscuj oafdehj abtraprabaurs
abtraprabaurs hra tmnsa wmn ubfarsthbf
ubfarsthbf tma
ohrkat baafs hbf ehb enbbaet `attar wdtm tma eustnoars `y cdjjdbi db h baeasshry
ihp db hvhdjh`ja mahjtm sarvdeas. H `attar why wnujf `a tn jnnk cnr raidnbs tmht
jhek quhjdty oafdehj ehra hbf nccar tmao quhjdty mahjtmehra snjutdnbs.

4. Vma senpa nc pu`jde mahjtm abtraprabaursmdp ds tma cnjjnwdbi axeapt7

 H. \u`jde
\u`jde mahjtm dbsurhbea
dbsurhbea / `abacdts
`abacdts semaoas
semaoas
@. Mahjtm prnfuet prnfuetdnb asth`jdsmoabt
E. \u`jde mahjtm enbsujthbey hiabedas
F. Jhek nc taembdehj suppnrt
HBUYAP7 F.
PHVDNBHJA7
PHVDN BHJA7 Jhek nc taembdehj
taembdehj suppnrt ds nba nc tma ohdb `hrrdars tn `usdbass
`usdbass
abtraprabaursmdp db bursdbi.

8<. Ymht hra tma dfabtdcdaf abtraprabaursmdp `hrrdars db bursdbi `usdbass>

 H. Gn` ehraar
ehraar eujtura
eujtura
@. Unedhj vhjuas
E. Oafdehj-eabtaraf onfaj
F. Hjj nc tma h`nva
HBUYAP7 F.
PHVD
PH VDNNBHJ
BHJA7 Hj Hjjj nc tm
tmas
asaa hra
hra dbej
dbejuf
ufaf
af db tm tmaa ohdb
hdb `hrr
`hrrda
dars
rs tn `usd
`usdb
bass
ass
abtraprabaursmdp db bursdbi dfabtdcdas db tma stufy.