CBYHPBK

YPBLTEL YGJ@EKBBK YPHMPBJ LGYGJWDBBK

TGKTBKM

YGCBTEFBK JGJ@WBT @WKMB FEB^ DBPE LBEK OCBKKGC

Desusuk uktul Jgjgkufe Tumbs Jbtb Lucebf

Ygj`gcbabrbk @grwbwbsbk Lgjbsybrblbtbk

Ubkm De`ej`ekm Hcgf @bpbl Lbybt,^.Yd.

 DE^W^WK HCGF

  KBJB 1 ^ETE FBPTEKB

  KEJ 1 67?=9076=

  ^GJG^TGP 1 E (sbtu)

WKE_GP^ETB^ TGP@WLB

OBLWCTB^ LGMWPWBK DBK ECJW YGKDEDELBK

AWPW^BK ^2 YM^D

WY@AA-WT YBCGJ@BKM

0925
 

CGJ@BP YGKMG^BFBK

Auduc 1 Yrhmrbj
Yrhmrbj Lgmebtbk
Lgmebtbk Ygj`ek
Ygj`ekbbk
bbk Lgpgjudb
Lgpgjudbbk
bk dbcbj
dbcbj fbc Lrgbteoetbs
Lrgbteoetbs Jbsybrbl
Jbsybrblbt
bt dbcbj
Ygj`ubtbk @ukmb Febs.
  Desusuk Hcgf 1
 Kbjb 1 ^ETE FBPTEKB
 KEJ 1 67?=9076=
^gjgstgr 1 E (sbtu)
Yhlabr 1 Jubrb Ybdbkm
WY@AA-WT 1 Ybcgj`bkm

Cbphrbk eke tgcbf detgrejb dbk desbflbk hcgf tuthr jbtb lucebf Ygj`gcbabrbk @grwbwbsbk
Lgjbsybrblbtbk, pbdb 1
Fbre 1 Jekmmu

Tbkmmbc 1 2? Khvgj`gr 0925

^g
^g`b
`bmb
mbee sybr
sybrbt
bt uktu
uktul
l jgjg
jgjgku
kufe
fe tumb
tumb jbtb
jbtb lu
luce
cebf
bf Yg
Ygj`
j`gc
gcba
babr
brbk
bk @grw
@grwbw
bwbs
bsbk
bk
Lgjbsy
Lgjbsybrbl
brblbtbk
btbk (YDML
(YDML 4>9?)
4>9?) Yrhmrb
Yrhmrbj
j ^2. YM^D
YM^D Muru
Muru Lgcbs,
Lgcbs, Yhlabr
Yhlabr Jubrb
Jubrb Ybdbkm
Ybdbkm
Lgnbjbtbk @bkyubsek, WY@AA Ybcgj`bkm Tbfuk 0925.
@bkyubsek, 2> Khvgj`gr 0925
  Jgkmgtbfue 1
  Lgpbcb WY@AA Tuthr Ygj`ej`ekm

.................................
................................. LBUBT, ^.Yd.
  KEY. KEY.
25=29029 099020 0 994
 

YGP^GJ@BFBK
Dgkmbk sgpgkuf fbte cbphrbk eke lupgrsgj`bflbk lgpbdb 1

2. Bccbf ^.].T
^.].T ybkm
ybkm tgcbf
tgcbf jgcbknbrlbk
jgcbknbrlbk sgmbcb
sgmbcb urusbk
urusbk sbyb dbcbj
dbcbj pgkyusuk
pgkyusukbkbk jblbcbf
jblbcbf
eke, dbk tbl cupb Kb`e @gsbr aukaukmbk Jufbjjbd ^.B.] ybkm tgcbf jgj`bwb eksbk
jbkuseb dbre bcbj ybkm mgcbp mucetb lg bcbj ybkm tgrbkm `gkdgrbkm
0. Hrbkm tub sbyb ybkm tgcbf
tgcbf jgkdh―
jgkdh―blbk
blbk sbyb
sbyb dbcbj wbltu sbyb jgcblul
jgcblulbk
bk
 pgkyusukbk tumbs, dgkmbk dh―b dh―b jgrglbcbf dbpbt jgcblulbk prblgrek dgkmbk `bel dbk
jgrglb ybkm tgcbf jgrbwbt sbyb sgfekmmb sbyb sgfbt wbc―boebt sbjpbe sglbrbkm
>. ^byb unbplbk
unbplbk `bkybl
`bkybl –`grtgr
–`grtgrejb
ejb lbsef lgpbdb
lgpbdb sbudbrb-sb
sbudbrb-sbudbrb
udbrb sbyb
sbyb `bel lblbl
lblbl
jbupuk bdel-bdel sbyb ybkm tgcbf jgkdulukm sbyb jgcblulbk prblgrek‚
4.  Dbk tbl cupb aumb lgpbdb tgjbk-tgjbk ybkm sgpgraubkmbk sbyb unbplbk `bkybl
tgrejb lbsef lbrgkb tgjbk-tgjbk tgcbf jgj`bktu sbyb jgkyusuk cbphrbk ybkm sbyb
lurbkm jgkmgrte
 

LBTB YGKMBKTBP

Yuae dbk syulur,

syulur, btbs lgfbderbt Bccbf ^]T., lbrgkb dgkmbk rbfjbt, fedbybf-Kybcbf
fedbybf-Kybcbf
 pgkuces dbpbt jgkygcgsbelbk Cbphrbk Lgmebtbk Ygj`ekbbk Lgpgjudbbk eke. ^fbcbwbt dbk
sbcbj tbl cupb pgkuces lerejbk lbpbdb Kb`e Jufbjjbd ^B]., pbrb sbfb`bt dbk ujbtkyb.
Ygjudb
Ygjudb jgrupb
jgrupblbk
lbk jhdbc
jhdbc dbsbr
dbsbr pgj`bk
pgj`bkmuk
mukbk
bk kgmbrb
kgmbrb pbdb
pbdb ujujky
ujujkybb dbk jhdbc
jhdbc
dbsbr pgj`bkmukbk dbgrbf,
dbgrb f, pbdb lfusukyb. ^udbf sgfbruskyb pbrb pgjudb ybkm prhdulteo
de`gre lgsgjpbtbk
lgsgjpb tbk uktul jgkmgj`bkmlb
jgk mgj`bkmlbk
k jekbt,
je kbt, `blbt dbk lrgbte
lrg bte oetbskyb
etbsk yb bmbr
bmb r `grdbyb
`grd byb mukb
muk b
sgfekmmb jbjpu jgj`gre lhktre`use ybkm phseteo dbcbrk jgjbaulbk dbgrbfkyb. Hcgf lbrgkb
etu, sbkmbt pgrcu debdblbkky
debdblbkkybb lgmebtbk-lgm
lgmebtbk-lgmebtbk
ebtbk pgj`ekbbk
pgj`ekbbk lgpgjudbbk
lgpgjudbbk ybkm `grtuaubk
uktul pgr`belbk lgfedupbk pgjudb pbdb jbsb ybkm blbk dbtbkm.
^g`bmbe
^g`bmbe jbkuseb
jbkuseb `ebsb ybkm tbl cuput dbk sbcbf dbk lfecbo, pgkuces jgkybdbre
jgkybdbre jbsef
 `bkybl lglurbkmbk dbcbj pgkyusukbk cbphrbk eke. Hcgf lbrbkb etu pgkuces sbkmbt
jgjgrculbk lretel dbk sbrbk dbk sgjub pefbl bmbr cbphrbk eke jgkabde sgjpurkb.
Ygku
Ygkuce
cess sbjpb
sbjpbel
elbk
bk un
unbp
bpbk
bk tgre
tgrejb
jb lb
lbse
sef
f pb
pbdb
db sg
sgju
jubb pe
pefb
fbl
l tg
tgru
rutbj
tbjbb pb
pbdb
db Tuth
Tuthr 
r 
Ygj`
Ygj`ej
ej`e
`ekm
km,, lg
lgcu
cubr
brmb
mb db
dbk
k tgjbk
tgjbk-tg
-tgjb
jbk
k yb
ybkm
km tg
tgcb
cbf
f `b
`bky
kybl
bl jgj`
jgj`bk
bktu
tu db
dbk
k jgj`
jgj`gre
gre
dulukmbk lgpbdb pgkuces, sgfekmmb pgcblsbkbbk lgmebtbk pgj`ekbbk eke `grabcbk cbknbr.

@bkyubsek, 2> Khvgj`gr 0925

  Ygkuces
Ygk

^ETE FBPTEKB
 

DBOTBP E^E
Fbcbjbk Auduc......................................
Auduc............................................................
............................................
............................................
........................................
.................. e
Fbcbjbk Ygkmgsbfbk........................................
Ygkmgsbfbk..............................................................
............................................
............................................
............................
...... ee
Fbcbjbk Jhtth.........................................
Jhtth...............................................................
............................................
............................................
....................................
..............
eee
Fbcbjbk Ygrsgj`bfbk.........................................
Ygrsgj`bfbk...............................................................
............................................
......................................
........................
........
ev
Lbtb Ygkmbktbr........................................
Ygkmbktbr..............................................................
............................................
..................................................
.....................................
......... v
Dbotbr Ese...........................................
Ese..................................................................
.............................................
............................................
...........................................ve
.....................ve

@B@ E YGKDBFWCWBK........................
YGKDBFWCWBK..............................................
............................................
.........................................................
................................... 2
B.  Cbtbr @gcblbkm.......................................
@gcblbkm.............................................................
............................................
............................................................
...................................... 2
@.  Tuaubk..............
Tuaubk....................................
............................................
............................................
............................................
......................................................
................................ 0
    Wjuj Tuaubk Lfusus.....................................
Lfusus...........................................................
............................................
...............................................
.............................0
....0
N.  Fbsec Lgmebtbk...........................................
Lgmebtbk.................................................................
............................................
............................................
...................................
............. 0

@B@ EE YGCBL^BKBBK YPHMPBJ..................................

YPHMPBJ........................................................
.............................................
......................... >
B.  Tgjpbt dbk ]bltu Ygcblsbkbbk...................
Ygcblsbkbbk.........................................
............................................
............................................
...............................
......... >
@.  Jbtgre Ygcbtefbk / Lgmebtbk..........................................
Lgmebtbk................................................................
.........................................................
.....................................
.. >
N.  ^trbtgme dbk Dgslrepse Abcbkkyb Lgmebtbk............................................................................... 4

@B@ EEE TGJWBK DBK FB^EC......................................................

FB^EC..........................................................................................
....................................66
B.  Tgjubk / Fbsec Gvbcubse Yrhsgs.....................................
Yrhsgs...........................................................
............................................
....................................
..............55
@.  Tgjubk / Fbsec Gvbcubse Yrhdul...............................
Yrhdul.....................................................
........................................................
........................................5
......5
N.  Ygj`bfbsbk
...........................................
.................................................................
............................................
............................................
...........................................................
.....................................
29
D.  Mbj`brbk Lgblteobk
...........................................
.................................................................
............................................
............................................
...........................................................
.....................................
29

LG^EJYWCBK,^BPBK,TEKDBL CBKAWT.......................................................
@B@ E_ LG^EJYWCBK,^BPBK,TEKDBL
24
B.  Lgsejpucbk..............................................................................................................................
24
 

@.  ^brbk.........................................
^brbk...............................................................
............................................
............................................
............................................
.............................
.......
27
N.  Tekdbl Cbkaut....................................
Cbkaut..........................................................
............................................
............................................
...........................................
.....................
27

DBOTBP YW^TBLB
...........................................
.................................................................
............................................
............................................
...........................................................
.....................................
2?
CBJYEPBK........................
CBJYEPBK..............................................
............................................
............................................
........................................................
..................................
 

@B@ E

YGKDBFWCWBK
B.  Cbtbr @gcblbkm Jbsbcbf
Febsbk jgrupblbk subtu ybkm dbpbt jgjpgrnbktel `brbkm ybkm cbek btbu `gkdb cbek. Fbc etu
 `grbrte bdb lgtgrlbetbk bktbrb `gkdb ybkm sbtu dgkmbk `gkdb ybkm cbek, dbk sbkmbt agcbs
tgrcefbt `ecb letb cefbt jesbckyb jgab pbstekyb blbk tgrcebfbt cg`ef ekdbf aelb letb jgj`grelbk
febsbk sgpgrte `ukmb de btbskyb.
Dgkmbk bdbkyb lrgbteoetbscbf ybkm dbpbt jgkabdelbk febsbk nbktel jgkabde ukel, dbk `bkybl 
hrbkm ybkm ekmek jgkmgtbfue
jgkmgtbfue `bmbejbkb
`bmbejbkb nbrb jgkabdelbk `brbkm ybkm jgrglb pukyb dbpbt
tgrcefbt cg`ef jgkbrel. Hcgf lbrgkb etu `ebsbkyb hrbkm-hrbkm jgknbre shcuse dgkmbk `gr`bmbe
nbrb, sbcbf sbtukyb dgkmbk `bfbk ybkm sgdgrfbkb sbab dbpbt deabdelbk febsbk jgkbrel sgpgrte
 `ukmb febs lbek ocbkkgc. ^gcbek etu `ukmb febs dbre lbek ocbkkgc aumb `bkybl de pgsbk sg`bmbe
febsbk, fbdebf btbupuk lhcglse. ^gerekm dgkmbk `bkyblkyb lg`utufbk uktul jgkmlhcglse
btbupuk
btbupuk jgkabdelbk
jgkabdelbk febsbk, jblb juknucbf pucb `eskes
`eskes ybkm jgkbwbrlbk
jgkbwbrlbk absb pgj`ubtbk
pgj`ubtbk
 pgrkbl-pgrkel dbk febsbk ukel dbre lbek ocbkkgc.
Delbtblbk usbfb fbkybcbf sg`bmebk lgnec dbre kebt ybkm kbktekyb blbk `grwuaud sgsube
lgekmekbk btbu fbkybcbf fbybcbk `gcblb. Wktul etu utbjb dbcbj jgkabdelbk usbfb ybkm
 `grfbsec dbk jgjubslbk ekecbf de`utuflbk subtu lhksgp ybkm `gr`gktul Cbphrbk Lgmebtbk
Ygj`ek
Ygj`ekbbk
bbk Lgpgjudb
Lgpgjudbbk
bk eke.
eke. ^g`ubf
^g`ubf usbfb
usbfb bmbr
bmbr tgrnept
tgrneptbky
bkybb usbfb
usbfb lgnec
lgnec ybkm
ybkm jbjpu
jbjpu
 `grtbfbk btbs sgmbcb uaebk pbdb zbjbk mch`bcesbse sbbt
s bbt eke. ^gfekmmb uktul subtu usbfb dbpbt
 `grphtgksebc `grtbfbk, `grlgj`bkm, jbau dbk dbpbt
dbpbt jgkmfbseclbk ybkm defbrbplbk.
Dbre cbtbr `gcblbkm tgrsg`ut, pgkuces ekmek jgkohluslbk cbphrbk eke dbcbj `edbkm
lgtgrbj
lgtgrbjpecb
pecbk
k dbk pgrdbm
pgrdbmbkm
bkmbk
bk ybetu
ybetu tgktbk
tgktbkm
m pgj`ek
pgj`ekbbk
bbk lrgbteo
lrgbteoetbs
etbs dbre
dbre lbek
lbek ocbkkgc
ocbkkgc dbk
 pgjbkobbtbk `brbkm `glbs uktul jgj`ubt
jgj`ubt `ukmb febs dbk pgrkbl pgrkel cbekkyb.

@.  Tuaubk
2.  Wjuj
b. Jgcb
Jgcbte
tef
f su
supb
pbyb
yb pb
pbrb
rb pg
pgju
judb
db db
dbpb
pbtt jgkm
jgkmgj
gj`b
`bkm
kmlb
lbk
k ph
phtg
tgks
ksee yb
ybkm
km de
deje
jece
cele
leky
kybb sgsub
sgsubee
dgkmbk `blbt dbk jekbtkyb.
 `. Jgkekmlbtlbk mberbf btbu sgjbkmbt pgj`bkmukbk
pgj`bkmukbk tgrutbjb de cekmlukmbkkyb.
n. Jgj`gre
Jgj`gre jgjhtevbse
jgjhtevbse pgjudb
pgjudb supbyb
supbyb `glgrab
`glgrab lgrbs
lgrbs dbcbj jgkmfb
jgkmfbdbpbe
dbpbe tbktbkmb
tbktbkmbk
k zbjbk
ybkm pgkuf pgrsbekmbk.
 

0.  Lfusus
b. Jgjece
Jgjecele
le lgtgrbjp
lgtgrbjpecbk
ecbk dbsbr
dbsbr de`edb
de`edbkm
km lgtgrbj
lgtgrbjpec
pecbk.
bk.
 `. Jgj`grelbk pgkmgtbfubk uktul jgjucbe usbfb WLJ dbcbj `edbkm lrgbteoetbs
jgcbcue bkglb `ukmb febs lbek ocbkkgc .
n. Jgj`g
Jgj`gre
relb
lbk
k ed
edgg „ ed
edgg lr
lrgb
gbte
teoo db
dbcb
cbj
j jgkm
jgkmgj
gj`b
`bkm
kmlb
lbk
k us
usbf
bfbb dg
dgkm
kmbk
bk lr
lrgb
gbteo
teoet
etbs
bs
tgrutbjb dbcbj pgj`ubtbk `ukmb febs lbek ocbkkgc .
d. Jgjece
Jgjecele
le phtgk
phtgkse
se dbcbj
dbcbj pgrd
pgrdbmb
bmbkmb
kmbk.
k.
g. Jgkekmlbtlb
Jgkekmlbtlbk
k lrgbteoetb
lrgbteoetbss ybkm
ybkm bdb de cekmlukmb
cekmlukmbk
k rujbf.
rujbf.
o. Jgkmur
Jgkmurbkm
bkmee tekmlbt
tekmlbt pgkmb
pgkmbkmm
kmmurb
urbk
k de Dgsb ^reaby
^reabyb`b
b`bru.
ru.
m.  Fbsec Lgmebtbk

  Lgmebtbk prhmrbj lgpgjudbbk eke jgkmfbseclbk prhdul `grupb `ukmb febs lbek ocbkkgc.

@B@ EE
YGCBL^BKBBK YPHMPBJ

B.  TGJYBT DBK ]BLTW YGCBL^BKBBK

Ygcblsbkbbk lgmebtbk prhmrbj lgpgjudbbk eke decblsbkblbk de Dgsb ^reabyb`bru PT

90 P] 92 de rujbf sbyb. Lgmebtbk pgj`ekbbk
pgj`ekbbk prhmrbj
prhmrbj lgpgjudbbk
lgpgjudbbk tgktbkm
tgktbkm pgj`ubtbk
pgj`ubtbk
 `ukmb febs lbek ocbkkgc. Jbsybrblbt eke decblsbkblbk de ^reabyb`bru Pt 90 Pw 92. Dgkmbk
 abdwbc 0 lbce dbcbj sbtu jekmmu sgtebp fbre sgcbsb dbk lbjes sgcbjb 0 abj ybkm jbkb
lgmebtbk tgrsg`ut de jucbe pbdb `ucbk Khvgj`gr 0925.

@.  JBTGPE YGCBTEFBK/LGMEBTBK

YGCBTEFBK/LGMEBTBK

Ygcbtefbk ybkm sbyb `grelbk bdbcbf lrgbteoetbsbk lbek ocbkkgc uktul pgj`ubtbk
pgj`ubtbk `ukmb
febs.

 Ekohrjbse ybkm sbyb `grelbk lgpbdb

lgpbdb pgjudb ybkm dbpbt
dbpbt de`grelbk ^g`bmbe Lgtgrtbrelbk
 Lhksujgk
^gsubtu ybkm de`ubt dgkmbk nbrb sgdgrfbkb tgtbpe jgjecele dbyb tbrel dbk lgukelbk tgktu sbab
dbpbt jgj`ubt sg`bmebk hrbkm jgkabde pgkbsbrbk. ^gpgrte pbdb fbckyb lrgbse ybkm de`ubt
 

dg
dgkm
kmbk
bk jgkm
jgkmmu
mukb
kblb
lbk
k `b
`bfb
fbk
k db
dbsb
sbrr lb
lbek
ek oc
ocbkk
bkkgc
gc ek
ekee db
dbpb
pbtt jgkb
jgkbrel
rel jbsy
jbsybr
brbl
blbt
bt uk
uktu
tul 
l 
jgkmhcglse btbupuk uktul deabdelbk sg`bmbe febsbk.
Dbcbj
Dbcbj pgj`ub
pgj`ubtbk
tbk lrgbse
lrgbse `ukmb
`ukmb febs
febs dbre
dbre lbek
lbek ocbkkgc
ocbkkgc eke `ulbk
`ulbk fbkyb
fbkyb lrgbteoe
lrgbteoetbs
tbs ybkm
ybkm
de`u
de`utu
tufl
flbk
bk tgtb
tgtbpe
pe au
aumb
mb lg
lgtg
tgrbj
rbjpe
pecbk
cbk jgka
jgkabf
bfet
et,, jgkg
jgkgjp
jpgc
gc lb
lbrg
rgkb
kb `e
`ebs
bsbk
bkyb
yb db
dbcb
cbj
j
 pgj`ubtbkyb ybkm `ebsb depgsbk fbrus sgsube dgkmbk pgrjektbbk
pgrjektbbk se lhksujgk.
@bfbk `blu pgj`ubtbk `ukmb febs dbre lbek ocbkkgc. ^gcbek `bfbkkyb jurbf, lbek
ocbkkgc aumb judbf detgjulbk, dbk jgjecele `bkybl pecefbk wbrkb ybkm aelb delhj`ekbselbk
dbpbt jgkmfbseclbk sgsubtu ybkm jgkbrel. ^gcbek `bfbk `blu debtbs, bdb pucb `bfbk sgrtb
bcbt pgkdulukm cbekkyb sgpgrte 1 Abruj, @gkbkm ^ucbj, Muktekm, Cgj Tgj`bl, lbrdus,
Ygksec/Yucpgk Mgc btbu Lbpur Abfet dbk cbek sg`bmbekkyb.

N.  ^TPBTGME DBK DE^LPEY^E ABCBKKUB LGMEBTBK

 ^trbtgme Lgmebtbk
Lgmebtbk
2.  Jgjecef wbltu ybkm tgpbt
0.  Ygjecefbk `bfbk ybkm `bel 
>.  Ygj`grebk ekohrjbse lgpbdb pbrb pgjudb sgagcbs jukmlek
4.  ^gcbjb prhsgs lgmebtbk tedbl tgrcbcu lblu, sbktbe tbpe pbste

 Dgslrepse Abcbkkyb
Abcbkkyb Lgmebtbk
2. Bcbt db` `bfbk1
b. Lbek ocbkkgc
`. Lbrdus
n. Cgj tgj`bl/cgj `blbr 
d. Cecek/cestrel 
g. @gkbkm dbk abruj
o. Muktekm
m. Lbwbt
f. Lbek pgrnb
e. Yhthkmbk `bj`u

0. Nbrb jgj`ubt `ukmb lbek ocbkkgc  

b. Muktek
Muktekm
m lbek ocbkg
ocbkgcc sgsube
sgsube `gktul
`gktul ybkm
ybkm deekm
deekmekl
eklbk
bk
 `. Abfet/cgj lbek ybkm sudbf desebplbkdbk fekmmb
fekmmb `gr`gktul `ukmb, dbuk
n.   Lgjudebk `ubt `btbkm dgkmbk lbwbt ym dececet lbek pgrnb
d. @ubt pht
pht dgkmbk
dgkmbk phthkm
phthkmbk
bk `bj`u
`bj`u (secekdgr
(secekdgr)) dbk `bmebk `bwbf `bj`u tutup pblbe lbrdus
lbrdus
g. @bcut pht dgkmbk
dgkmbk lbek ocbkkgc
ocbkkgc dbk decgj sgrbpe jukmlek
jukmlek
 

o. @ukmb
@ukmb detb
detbruf
rufblb
blbk
k lg dbcb
dbcbj
j pht
pht dbk sudbf
sudbf abde
abde..

@B@ EEE

TGJWBK DBK FB^EC

B.  TGJWBK / FB^EC G_BCWB^E YPH^G^

2.  Ygj`grebk ekohrjbse.

0.  Jgkyebplbk bcbt dbk `bfbk-`bfbk.
>.  Ygj`bmebk tumbs lgrab.
4.  Jgjpgrsebplbk prhsgs lgmebtbk.
7.  Jgj`grelbk nhkthf lgrab.
?.  Yrbltgl lgrab hcgf pbrb pgjudb.
=.  Jucbe jgj`ubt bkglb phcb lrgbse `bru dbre lbek ocbkgc
6.  Jucbe jgkmmuktekm lbek ocbkkgc
5.  Ubkm cbekkyb jucbe jgkabfet/cgj lbek ocbkkgc
29.  @gktul fekmmb jgkabde `ukmb, dbuk dbk `btbkm
22.  Jgj`ubt pht `ukmb dgkmbk phthkmbk `bj`u dbk lbrdus
20.  Jgcbpese `bj`u dgkmbk lbek ocbkkgc, `ukmb detbruf de dbcbjkyb
2>.  @ukmb febs sudbf abde
24.  Ygkdestre`usebk

@.  TGJWBK / FB^EC G_BCWB^E YPHDWL 

 KH KBJB @BPBKM @BKUBLKUB @BPBKM

@BPBKM FBPMB @BPBKM
UBKM DE @WTWFLBK
2 Lbek Ocbkgc 4 Pp. 0.999,99
0 Lbek Ygrnb ^gnulupkyb -
> Yhth
Yhthk
kmbk
mbk @bj
@bj`u ^gnu
gnulup
upky
kybb -
4 Lbrdus ^gnulupkyb -
7 @gkbkm ^ucbj 2 Pp. 0.999,99
? Yucpgk 2 Pp. 0.999,99
= Cgj `blbr 2 Pp. 0.999,99
6 Abruj 2 Pp. 799,99
5 Muktekm 2 Pp. 7.999,99
5 Lbwbt ? Pp. 7.999,99
 

AWJCBF Pp. 26.799,99

Wktul prhsgs pgj`ubtbk `ukmb febs, lbek ocbkkgc bdbcbf `bfbk utbjb ybkm de`gce,
sgdbkmlbk lbek pgrnb, `bj`u dbk lbrdus bdbcbf sbjpbf/cej`bf ybkm tedbl jgjgrculbk
 `ebyb dbk `bfbk pgkukabkm cbek sgpgrte cgj, abruj dbk sg`bmbekyb
sg`bmbekyb fbrus jgj`gce.
Wktu
Wktul
l sgte
sgtebp
bp lbce
lbce pr
prhs
hsgs
gs de`u
de`utu
tufl
flbk
bk dbkb
dbkb lu
lurb
rbkm
km cg
cg`e
`ef
f Pp.
Pp. 26
26.7
.799
99,9
,99
9 db
dbk
k
jgkmfbseclbk 2 pht `ukmb, ybkm sgtebp phtkyb deaubc sgfbrmb Pp. >7.999,99 „ Pp 79.999,99
Yrhdul ybkm detbwbrlbk jgjecele kecbe tbj`bf dbk `grlubcetbs. Wktul jgkbellbk
kecbe
kecbe tbj`bf
tbj`bf sbyb
sbyb jgknh`
jgknh`bb uktul
uktul jgkmfb
jgkmfbsec
seclbk
lbk prhdul
prhdul ybkm
ybkm ukel
ukel dbk jgkbre
jgkbrel
l sgrtb
sgrtb
 `grlubcetbs `bel. Ygjbsbrbk lg jbsybrblbt lbrgkb de jukmleklbk `bkybl pgjekbt dbre
jbsybrblbt uktul febsbk de rujbf, btbu aumb `esb depbsbrlbk jgcbcue hkcekg sfhpekm.

N.  YGJ@BFB^BK
Dbre lgtuauf wbrmb `gcbabr
`gcbabr sgfbre-fbre
sgfbre-fbre   blteo dbtbkm dbk nulup jgrgsphk lgmebtbk, ^ucestebke
^ucestebke
blteo dbtbkm dbk lbcbu lurbkm agcbs tgrfbdbp jbtgre ybkm 
ybkm  b abrlbk deb sgcbcu `grtbkyb, Dwe
Nbfybwbte   blteo dbtbkm tbpe lbdbkm-lbdbkm tgrcbj`bt dbk dbcbj jgkmelute lgmebtbk aumb
Nbfybwbte
sgcbcu   blteo `grtbkyb.
sgcbcu `grtbkyb. @gr`gdb
@gr`gdb dgkmbk ^uybte
^uybte dbk Pbtkbsbre deb sgrekm tgrcbj`bt
tgrcbj`bt dbk dbcbj
jgkabfet jbsef lurbkm cbknbr. Fgke Kur Pbfjb cujbybk 
cujbybk   blteo dbcbj jgkmelute lgmebtbk,
sgdbkmlbk
sgdbkmlbk Tutel ^usbkte
^usbkte dbk Kur Eskbke sbkmbt blte
blteoo dbtbkm dbk tgpbt wbltu sgrtb dgkmbk
ngpbt eb dbpbt jgjbfbje jbtgre ybkm debabrlbk.
@grdbsbrlbk
@grdbsbrlbk lgmebtbk tgrsg`u
tgrsg`utt ybkm pbcekm 
pbcekm  blteo dbcbj jgkmelute
jgkmelute lgmebtbk
lgmebtbk   bdbcbf
dbcbf Tutel 
Tutel 
^usbkte dbk ybkm lurbkm b
lurbkm blteo
lteo dbcbj jgkmelute lgmebtbk b
lgmebtbk bdbcbf
dbcbf ^uybte dbk Pbtkbsbre.

D.  MBJ@BPBK LGBLTEOBK

Mbj`brbk Lgblteobk Dbre = Hrbkm Ygjudb
2.  Nbrb jgrgsphk Tgrfbdbp Ygkagcbsbk
Ybrb
Ybrb pg
pgju
judb
db / pg
pgju
jude
de btbu
btbu jbsy
jbsybrb
brblb
lbtt bk
bktu
tuse
sebs
bs dg
dgkm
kmbk
bk de bd
bdbl
blbk
bkky
kybb pg
pgcb
cbte
tefb
fbk
k ek
eke,
e,
jgkmekmbt `bkybl ekohrjbse pgtekm ybkm `gcuj delgtbfue `esb jgkabde tbfu sgtbcbf de bdblbk
 pgcbtefbk.
0.  Nbrb Jgjprbltelbk Ygtukaul 
Yb
Ybrb
rb pgju
pgjudb
db / pgju
pgjude
de mbjp
mbjpbk
bkm
m jgkg
jgkgre
re pgka
pgkagl
glbs
bsbk
bk db
dbre
re kb
kbrb
rb su
suj`
j`gr
gr db
dbk
k db
dbcb
cbj
j
 pgcblsbkbbk / prbltelkyb sgjubkyb `esb `grabcbk dgkmbk cbknbr dbk tedbl bdb lgkdbcb sbtu
bpbpuk.
 

>.  Bktusebs / ^gjbkmbt lgfbderbkkyb

Bktusebs pbrb pgjudb / pgjude dbk jbsybrblbt tgrfbdbp lgmebtbk eke tbjpbl pbdb lgfbderbk
dbre jbsekkm „ jbsekm pgsgrtb ybkm fbjper sgcurufkyb fbder dbcbj sgtebp pgrtgjubk.

4.  Ygr`bkdekmbk bktbr sg`gcuj de`ekb dgkmbk sgtgcbf de`ekb

@bkybl
@bkybl ekohrj
ekohrjbse
bse ybkm
ybkm lurbkm
lurbkm delgtb
delgtbfue
fue hcgf
hcgf pbrb
pbrb pgjudb
pgjudb tgktbk
tgktbkm
m pgj`ub
pgj`ubtbk
tbk lrgbse
lrgbse
 pgj`ubtbk `ukmb febs ybkm `bru. Ybrb pgjudb
pgjudb / pgjude ybkm `gcuj `bkybl jgkmgtbfu
jgkmgtbfuee nbrb
 pgjbsbrbk `ukmb febs sgfekmmb `esb tbfu nbrb pgjbsbrbkkyb sgtgcbf de cblulbk pgj`ekbbk
dbre kbrb suj`gr dbk pgjudb cg`ef pbfbj jgkmgkbe nbrb jgjpgrnbktel lrgbse `ukmb febs,
 pbrb pgjudb / pgjude aumb jbjpu
jbjpu jgcblulbk ekhvbse tgr`bru.
 Bkbcesb Fbsec Tgs ^g`gcuj dbk ^g
^gsudbf
sudbf Lgmebtbk
Lgmebtbk

Fbsec Tgs ^g`gcuj Lgmebtbk Ygj`ekbbk

 Kh Kbjb Kecbe Tgs ^g`gcuj Lgmebtbk
2 Dwe Nbfybwbte ?7
0 ^ucestebke ?7
?7
> ^uybte ?6
4 Pbtkbsbre ?=
7 Tutel ^usbkte
Tu ?7
? Kur Eskbke ?=
= Fgke Kur Pbfjb ?7

Fbsec Tgs ^gsudbf Lgmebtbk Ygj`ekbbk

 Kh Kbjb Kecbe Tgs ^gsudbf Lgmebtbk
2 Dwe Nbfybwbte 67
0 ^ucestebke 67
67
> ^uybte 69
4 Pbtkbsbre 69
7 Tutel ^usbkte
Tu 59
? Kur Eskbke 50
= Fgke Kur Pbfjb 60

 
 

  Ygr`bkdekmbk Fbsec Tgs ^g`gcuj dbk ^gsudbf lgmebtbk

 Kecbe Tgs
^g`gcuj ^gtgcbf
 Kh Kbjb Ygj`ekbbk Ygj`ekbbk Lgtgrbkmbk
2 Dwe Nbfybwbte ?7 67 @bel, Jgkekmlbt
0 ^ucestebke ?7 67 @bel, Jgkekmlbt
> ^uybte ?6 69 @bel, Jgkekmlbt
4 Pbtkbsbre ?= 69 @bel, Jgkekmlbt
7 Tutel ^usbkte ?7 59 @bel, Jgkekmlbt
? Kur Eskbke ?= 50 @bel, Jgkekmlbt
= Fgke Kur Pbfjb ?7 60 @bel, Jgkekmlbt

@B@ E_
LG^EJYWCBK, ^BPBK DBK TEKDBL CBKAWT

B.  Lgsejpucbk
Ygj`gcbabrbk @grwbwbsbk Lgjbsybrblbtbk jgrupblbk pgj`gcbabrbk ybkm detuaulbk
uktul jgkmbdblbk subtu pgj`gcbabrbk ybkm `gr`bses jbsybrblbt jgcbcue `g`grbpb jbnbj
lgmebt
lgmebtbk
bk sgpgrt
sgpgrtee debdbl
debdblbkk
bkkyb
yb lgmebt
lgmebtbk
bk pgj`ek
pgj`ekbbk
bbk ybkm
ybkm `grtua
`grtuaubk
ubk uk
uktul
tul jgkekm
jgkekmlbt
lbtlbk
lbk
 pgjbkobbtbk suj`gr dbyb bcbj jbupuk suj`gr dbyb jbkuseb ybkm bdb de cekmlukmbk
jbsybrblbt.
Lgmebtbk pgj`ekbbk eke jgrupblbk sbcbf sbtu nbrb uktul jgkneptblbk pgcubkm usbfb
 `bru dbk uktul jgkekmlbtlbk lgsgabftgrbbk mukb jgjgkufe sgjub lg`utufbk fedup.
Lgme
Lgmebt
btbk
bk ek
ekee au
aumb
mb defb
defbrb
rbpl
plbk
bk db
dbpb
pbtt jgj`
jgj`bk
bktu
tu pg
pgjg
jgre
rekt
ktbf
bf db
dbcb
cbj
j jgkm
jgkmur
urbk
bkme
me bk
bkml
mlbb
 pgkmbkmmurbk dbk pgrshbcbk shsebc de jbsybrblbt, jgcbcue prhmrbj pgcbtefbk lgpgjudbbk.
Jgcbcue lbmebtbk pgj`ekbbk pgj`ubtbk `ukmb febs dbre lbek ocbkkgc ybkm de cblulbk
 `grsbjb dgkmbk pgjudb `ekbbk ybkm bdb de Dgsb ^reabyb`bru defbrbplbk `esb deabdelbk
subtu
subtu nhkthf
nhkthf dbcbj
dbcbj prhmrb
prhmrbj
j pgj`gr
pgj`grdby
dbybbk
bbk jbsybr
jbsybrblb
blbt.
t. Fbsec
Fbsec dbre
dbre lgmebt
lgmebtbk
bk pgj`ek
pgj`ekbbk
bbk
tgrsg`ut
tgrsg`ut dbpbt jgkbj`bf pgkmgtbfubk
pgkmgtbfubk dbk lgtgrbjpecbk
lgtgrbjpecbk pbrb pgjudb
pgjudb `ekbbk.
`ekbbk. Lgmebtbk
Lgmebtbk
 pgj`ekbbk pgj`ubtbk `ukmb febs dbre lbek ocbkkgc eke dbpbt deprbltgllbk hcgf pgjudb
 `ekbbk dbk jbsybrblbt sgnbrb cbkmsukm lbrgkb prhsgs pgj`ubtbk `ukmb febs eke nulup
judb
judbf
f db
dbk
k prhs
prhspg
pgl
l lg
lgdg
dgpb
pbkk
kkyb
yb pu
puk
k db
dbpb
pbtt jgj`
jgj`bk
bktu
tu jgke
jgkekm
kmlb
lbtl
tlbk
bk pg
pgrg
rglh
lhkh
khje
jebk
bk
jbsybrblbt.
 

@.  ^brbk
Lgmebtbk
Lgmebtbk pgj`ekbbk
pgj`ekbbk pgj`ubtbk
pgj`ubtbk `ukmb
`ukmb febs dbpbt tgrcblsbkb
tgrcblsbkb dbk `grabcbk dgkmbk
cbknbr
cbknbr btbs dulukm
dulukmbk
bk dbre
dbre `gr`bm
`gr`bmbe
be pefbl.
pefbl. Wktul
Wktul etu pefbl
pefbl pgjgre
pgjgrektb
ktbf
f dgsb sgtgjp
sgtgjpbt
bt
defbrbplbk cg`ef jgkdulukm tgrfbdbp lgmebtbk pgj`ekbbk sgpgrte eke dbk dbpbt jgkabdelbk
lgmebt
lgmebtbk
bk pgj`ek
pgj`ekbbk
bbk sgpgrt
sgpgrtee eke sg`bmb
sg`bmbee sbcbf
sbcbf sbtu dbre
dbre prhmrb
prhmrbj
j pgjgre
pgjgrektb
ktbf
f dgsb
dgsb uktul 
uktul 
jgkbj`bf pgkmgtbfubk dbk lgtgrbjpecbk   jbsybrblbtkyb, lgmebtbk pgj`ekbbk eke aumb `esb
deabdelbk sg`bmbe jhdbc pgkmgtbfubk dbk lgtgrbjpecbk
lgtgrb jpecbk uktul jgj`ulb usbfb `bru.
^gcb
^gcbek
ek etu
etu db
dbcbj
cbj lg
lgme
mebt
btbk
bk pg
pgj`
j`ek
ekbbk
bbk yb
ybkm
km tg
tgcbf
cbf de
decb
cbls
lsbk
bkbl
blbk
bk jbsef
jbsef `b
`bky
kybl 
bl 
lglurb
lglurbkmb
kmbk,
k, sgpgrt
sgpgrtee tedbl
tedbl pgrkbf
pgrkbf debdbl
debdblbk
bk lgmebt
lgmebtbk
bk pgkyuc
pgkyucufb
ufbk
k dbre
dbre pgjgre
pgjgrektb
ktbf
f dgsb,
dgsb,
jekejbckyb dbkb ybkm tgrsgdeb, dbk `bkybl jbsybrblbt ybkm jbsef `gcuj jgkmgrte tgktbkm
kecbe-k
kecbe-kecb
ecbee phsete
phseteoo dbre
dbre debdbl
debdblbkk
bkkyb
yb lgmebtb
lgmebtbk
k pgj`ek
pgj`ekbbk
bbk eke.
eke. ^gjhmb
^gjhmb sbrbk
sbrbk eke dbpbt
dbpbt de
rgbcesbselbk pbdb lgmebtbk pgj`ekbbk de wbltu ybkm blbk dbtbkm.

N.  Tekdbl Cbkaut

^gtgcbf jgkmbdblbk
jgkmbdblbk lgmebtbk pgj`ekbbk
pgj`ekbbk eke lbje sg`bmbe pgcblsbkb jgrbsb `bkmmb
`bkmmb
dbk `grsyu
`grsyulu
lurr lgfbde
lgfbderbt
rbt Bccbf
Bccbf ^]T lbrgkb
lbrgkb sgcbek
sgcbek dbpbt
dbpbt jgj`gl
jgj`glbce
bce pgkmgt
pgkmgtbfu
bfubk
bk dbk
lgtgrbj
lgtgrbjpecb
pecbk
k lgpbdb
lgpbdb pgjudb
pgjudb `ekbbk
`ekbbk lfusus
lfususky
kybb dbk jbsybr
jbsybrblb
blbtt ujujky
ujujkyb.
b. Lgmebt
Lgmebtbk
bk
 pgj`ekbbk eke jgrupblbk pgkmbcbjbk ybkm sbkmbt `grfbrmb tgktukyb `bme jbfbseswb
sg`bmbe pgcblsbkb. ^gcbkautkyb sg`bmbe tekdbl cbkaut lbje jgkmbdblbk prhmrbj pgjbktbubk
dbk gvbcubse
gvbcubse sgnbrb `grlgcbkautbk
`grlgcbkautbk supby
supbybb pgjudb `ekbbk
`ekbbk ybkm sudbf jgjpuk
jgjpukybe
ybe `glbc
 pgkmgtbfubk dbk lgtgrbjpecbk dbpbt dejbkobbtlbk sg`bel-`belkyb, supbyb lgcbl `esb
jgkabde sbcbf sbtu pgkmusbfb `ukmb febs ybkm sulsgs dbk jgjpukybe jbsb dgpbk ybkm cg`ef
ngrbf. ^gjhmb sgmbcb upbyb
upbyb ybkm sudbf
sudbf lbje tgrbplbk dbpbt
dbpbt `grjbkobbt Bbjeek Ub Ph``bc
‖Bcbjeek.

DBOTBP YW^TBLB
 

Fbtejbf, Efbt. (0996). Ygj`gcbabrbk

(0996). Ygj`gcbabrbk @grwbwbsbk
@grwbwbsbk Lgjbsybrblbtbk
Lgjbsybrblbtbk.. Ablbrtb 1
Wkevgrsetbs Tgr`ulb.