Jeb-jilid 4 No.4 Desember 2013-Full

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    SXZMXDFK ^DEKEF@MXME @KEDZIM ^DFMVMK ^MHM @MEXAZ TZT-

    SME MFMOM (@TM) @DCMOMXME TEXDZ KVDS 

     Mdeue Zmskhmb 

    ^DEKLMKME @KEDZIM @DTMEFME ^X. JME@ S[MZKMB OMEHKZK CM-

    JMEF ^DOJMEXT STOJMVM XMBTE :>=>-:>=: 

     Oubmoomh Krpme

    MEMLKSKS @AEXZKJTSK ZDXZKJTSK KYKE ^DEFMOJKLME BMSKL BTXME

    @M[T HME BMSKL BTXME JT@ME @M[T XDZBMHM^ ^DEHM^MXME

    MSLK HMDZMB @MJT^MXDE STOJMVM JMZMX XMBTE :>>2-:>=:

     Iabek Mrhkmesymb

    MEMLKSKS GM@XAZ-GM@XAZ TSMBM XMEK ^MHM ^DXMEK ^DOKLK@ HME

    ^DXMEK ^DE[DVM HK @MJT^MXDE STOJMVM JMZMX (Stuhy @msus 9 Hk

    @dcmomtme Xmlkwmef Xmbue :>=:) 

     Kehrm Imym

    ^DEFMZTB SDOMEFMX @DZIM HME HKSK^LKE XDZBMHM^ @KEDZIM

    FTZT SO^E = XMLKVMEF @MJT^MXDE STOJMVM JMZMX XMBTE :>=:  

     Bdrlkemb

    DGD@XKGKXMS ZDXZKJTSK ^MSMZ HK @MJT^MXDE STOJMVM XMBTE

    :>==-:>=: 

     Dry Susmety

    ^TSMX ZKSDX D@AEAOK HME ^DOJMEFTEME

    GM@TLXMS D@AEAOK TEKWDZSKXMS SMOMVM

    :>=3

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    Hktdrjkt`me aldb9

    ^TSMX ZKSDX D@AEAOK HME ^DOJMEFTEME

    GM@TLXMS D@AEAOK TEKWDZSKXMS SMOMVM

    XMBTE :>=3 

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    Hktdrjkt`me aldb9

    ^TSMX ZKSDX D@AEAOK HME

    ^DOJMEFTEME

    Gm`ultms D`aeaok

    Tekvdrsktms Smomwm (TESM)

    Mlmomt Zdhm`sk9@mopus Gm`ultms D`aeaok

    Tekvdrsktms Smomwm

    Il. Zmym Jy ^mss Sdrkef Tetdr

    Kwds

    Suojmwm Jdsmr EXJ

    Xdlp./Gm`s. (>36=) 7:4282

    ^dlkehuef & ^demsdbmt

    ^rag. Hr. Symkguhhke Ks`mehmr, O.^h. 

    ^defmrmbSymgruhhke

    ^dokopke Zdhm`sk

    Suprkmeta

    Zdhm`tur ^dlm`smem

    Vmbyu Bmrymhk

    K`m Gktrkymek

    Zdhm`tur Mblk

    K Eyaome Sutmom

    Dlly @mrodlk

    Ekekef Suhkymrtk

    Sujbme ̂ urwmhkemtm

    M. Zmbome

    @momruhhke

    Wkvke Gktrymek[mymt Gktrkymek

    Ksbm` Zmbome

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    HMGXMZ KSK

    SXZMXDFK ^DEKEF@MXME @KEDZIM ^DFMVMK ^MHM @MEXAZ

    TZTSME MFMOM (@TM) @DCMOMXME TEXDZ KVDS .................... = 

    Mdeue Zmskhmb

    ^DEKLMKME @KEDZIM @DTMEFME ^X. JME@ S[MZKMB OMEHKZK

    CMJMEF ^DOJMEXT STOJMVM XMBTE :>=>-:>=: ...................... =4

    Oubmoomh K rpme

    MEMLKSKS @AEXZKJTSK ZDXZKJTSK KYKE ^DEFMOJKLME BMSKL

    BTXME @M[T HME BMSKL BTXME JT@ME @M[T XDZBMHM^

    ^DEHM^MXME MSLK HMDZMB @MJT^MXDE STOJMVM JMZMX

    XMBTE :>>2-:>=: ....................................................................................... :;

    Iabek Mrhkymesymb

    MEMLKSKS GM@XAZ-GM@XAZ TSMBM XMEK ^MHM ^DXMEK ^DOKLK@

    HME ^DXMEK ^DE[DVM HK @MJT^MXDE STOJMVM JMZMX (Stuhy

    @msus 9 Hk @dcmomtme Xmlkwmef Xmbue :>=:) .......................................... 8=

    K ehrm Imym

    ^DEFMZTB SDOMEFMX @DZIM HME HKSK^LKE XDZBMHM^

    @KEDZIM FTZT SO^E = XMLKVMEF @MJT^MXDE STOJMVM

    JMZMX XMBTE :>=: ................................................................................. 47

    Bdrlkemb

    DGD@XKGKXMS ZDXZKJTSK ^MSMZ HK @MJT^MXDE STOJMVMXMBTE :>==-:>=: ....................................................................................... 6=

    Dr y Susmety

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =

    SXZMXDFK ̂ DEKEF@MXME @KEDZIM ̂ DFMVMK

    ^MHM @MEXAZ TZTSME MFMOM (@TM)

    @DCMOMXME TEXDZ KVDS

    Aldb 9

    Mdeue Zmskhmb

    MJSXZM@

     ^dedlktkme jdriuhul Strmtdfk ^dekef`mtme @kedrim ^dfmwmk pmhm @TM @dcmomtme Tetdr

     Kwds. Xuiume ymef hmpmt hkpdraldb mhmlmb odefdtmbuk strmtdfk pdekef`mtme `kedrim

     pdfmwmk pmhm @TM @dcmomtme Tetdr Kwds hme uetu` odefdtmbuk lmef`mb-lmef`mb

    hmlmo odekef`mt`me `kedrim pdfmwmk pmhm @TM @dcmomtme Tetdr Kwds. Ideks

     pdedlktkme odeffuem`me pdedlktkme Hks`rkptkg @umlktmtkg. Hmtm ymef hkpdraldb hmlmo

     pdedlktkme mhmlmb hmtm tdetmef patdesk `kedrim ^dfmwmk @TM @dcmomtme Tetdr Kwds

     sdrtm lmef`mb-lmef`mb pdekef`mtme strmtdfk `kedrim ^dfmwmk @TM @dcmomtme Tetdr

     Kwds. Odtahd pdefuopulme hmtm hdefme odtahd pdecmtmtme hme wmwmecmrm. Xd`eks

    memlksks ymef hkfuem`me SVAX. Hkomem SA (Strdefbt-Appartuekty) hdefme

    odefdojmef`me `dldojmfmme ymef hmpmt odehu`uef `dfkmtme @TM oksmleym X^],

     ^JBM, Ousballmb. VA (Vdm`edss-Appartuekty) hdefme pdeffuemme pdedlktkme

     pdfmwmk. SX (Strdmefbt-Xrdmtb) odefdojmef`me Suojdr Hmym Omeuskm. VX

    (Vdm`edss-Xrdmtb) odekef`mt`me `mpmsktms Suojdr Hmym Omeuskm (SHO). Bmskl

     pdedlktkme odeueiu``me strmtdfk pdekef`mtme `kedrim pdfmwmk pmhm @TM @dcmomtmeTetdr Kwds hme lmef`mb-lmef`mb pdekef`mtme pdekef`mtme strmtdfk `kedrim pdfmwmk

     pmhm @TM @dcmomtme Tetdr Kwds. Mhmpue smrme ymef hkmeiur`me hmlmo pdedlktkme kek

    mhmlmb ^dodrketmb hmpmt odojdrk`me `darmlksmsk @TM bmrus jksm odrujmb palm pk`kr

    omsymrm`mt sdrtm ^dfmwmk @TM bmrus jksm jdrskgmt hkemoks, `rdmtkg, omehkrk, mspkrmtkg

    hme jdrm`tumlkmsk pmhm pdrmturme-pdrmturme ymef jdrlm`u. 

    @mtm @ueck 9 @kedrim ̂ dfmwmk, Memlksks SVAX  

    K.  ^DEHMBTLTME

    =.=. 

    Lmtmr Jdlm`mefOmemidode Suojdr Hmym Omeuskm mtmu ldjkb hk`deml hdefme omemidode

     pdrsaemlkm odoklk`k pdrmeme ymef smefmt pdetkef jmfk pdrusmbmme `mrdem hdefme

    mhmeym Omemidode Suojdr Hmym Omeuskm hmpmt odouhmb`me pdrusmbmme hmlmo

    odecmpmk tuiumeeym, ymktu sdlmke kefke odecmrk lmjm ymef sdjdsmr-jdsmreym iufm kefke

    odesdimbtdrm`me pmrm `mrymwmeeym. sdlmke ktu iufm hdefme Omemidode Suojdr Hmym

    Omeuskm pdrusmbmme hmpmt odefmtur hme odefmla`msk`me jdjdrmpm `dfkmtme pdrusmbmme

    hdefme sdjmk`-jmk`eym.

    ^deklmkme prdstmsk `drim mhmlmb smlmb smtu jmfkme hmrk guefsk arfmeksmskaeml ymktu

    guefsk pdefdojmefme ymef fuemeym uetu` pdefdojmefme `mrkr `mrymwme sdpdrtk

    odlm`u`me pdlmtkbme hme pdehkhk`me, outmsk imjmtme, hme pdekef`mtme

    `aopdesmsk.Sdtdlmb `mrymwme hktdrkom, hktdopmt`me hme hkpd`drim`me om`m tufms

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :

    omemidr sdlmeiuteym mhmlmb odlm`u`me pdeklmkme prdstmsk `mrymwme. ^deklmkme prdstmsk

    `mrymwme outlm` bmrus hklm`u`me uetu` odefdtmbuk prdstmsk ymef hmpmt hkcmpmk sdtkmp

    `mrymwme.Hdefme pdeklmkme prdstmsk jdrmrtk pmrm jmwmbme odehmpmt pdrbmtkme hmrkmtmsmeeym sdbkeffm odeharaef odrd`m jdrfmkrmb `drim, msml`me prasds pdeklmkmeeym

    ajyd`tkg sdrtm mhm tkehm` lmeiuteym. Xkehm` lmeiut pdeklmkme kek odouef`ke`me

    `mrymwme hkpraoask`me, hkhdoask`me, hk`dojmef`me hme mtmu jmlms imsmeym hkemk``me.

    Odeurut Mehrdw G. Sk`ulm hk`utkp aldb Omlmyu Bmskjume, hmlmo ju`ueym

    Omemidode Suojdr Hmym Omeuskm (:>>> 9 27), ^deklmkme prdstmsk `drim mhmlmb dvmlumsk

    ymef skstdomtks tdrbmhmp pd`drimme ymef tdlmb hklm`u`me aldb `mrymwme hme hktuiu`me

    uetu` pdefdojmefme.Jmbwm hmlmo rmef`m odlm`smem`me `dtdetume pmsml 3> Tehmef-

    uehmef Ea. 83 Xmbue =;;; tdetmef pdrujmbme mtms uehmef-uehmef Ea 2 Xmbue =;68

    tdetmef pa`a`-pa`a` `dpdfmwmkme, pdrlu odeffmetk pdrmturme pdodrketmb Ea. 3>

    Xmbue =;2> tdetmef prmturme hkskplke ^ES (^dfmwmk Edfdrk Skpkl). ^dfmwmk Edfdrk Skpkl

    mhmlmb sdtkmp wmrfm Edfmrm Zdpujlk` Kehaedskm ymef tdlmb ododeubk symrmt ymef

    hktdetu`me, hkmef`mt aldb pdimjmt ymef jdrwdemef hme hksdrmbk tufms hmlmo smtu imjmtme

    edfdrk mtmu hksdrmbk tufms Edfmrm lmkeym, hme hkjmfk jdrhmsmr`me pdrmturme pdruehmef-

    uehmefme ymef jdrlm`u. ^ES jd`drim pmhm hdpmrtdode, ldojmfm pdodrketmb Eae

    hdpmrtdode (L^OH) sd`drtdrkmt ldojmfm Edfmrm, kestmesk pdrtk`ml hkhmdrmb ^ravkesk /

    @mjupdtde / @atm, `dpmektrmme, pdefmhklme, kemstmesk XEK hme `dpalksksme. Hme fmikeym

    hkjdjme`me pmhm M^JE hme M^JH.

    @kedrim SHO pmhm ^ES uetu` ktu hktuetut rdespaeskg, mtmu pd`m, pdeub prm`mrsm,

     jdrsk`mp pram`tkg, tdrmopkl, omehkrk, hkskplke, ketdfrktms tkeffk hme lmke-lmke.

    Koplkodetmsk eklmk-eklmk hmlmo arfmeksmsk odeuetut pdrujmbme pmhm cmrm `aouek`msk,

    hme ymef jkmsm hklm`u`me sdcmrm pmrkmjdl hmrk mtms `d jmwmb, odeimhk bujuefme ldjkbbarkzaetml hme pmrtkskpmtkg. Hdok`kme iufm jmbwm `dpdokopkeme odeimhk ldjkb jmeym`

    odefmim` hmrk pmhm ododrketmb, odojdrk`me `dtdlmhmeme, odeharaef hme odojdrk`me

    `dpdrcmymme ldjkb jdsmr `dpmhm jmwmbme sdjmfmk `aesdpskaesk fmym pmrtkskpmtkg tdrsdjut

    om`m hmlmo pdefmojklme `dputusme hklm`u`me sdcmrm ousymwmrmb hme ougm`mt.

    Hmlmo odopdrjmk`k `dldombme om`m hkmhm`meeym pdlmtkbme hme pdehkhk`me

     jmk` jdrupm pdlmtkbme `dlaopa` `dlumrfm sm`kemb hme hk`aarhkemsk aldb ^@@ hdsm

    hdefme jd`drimsmom hdefme komo omsikh hmlmo odekef`mt`me `kedrim pmhm @TM Tetdr

    Kwds, sdlmke pdlumef hk mtms hkbmskl`me pulm mecmome ymef hkbmhmpk jdrupm bu`uome

    mtmu sme`sk `dpmhm pdfmwmk, oksmleym pdojdrbdetkme hdefme tkhm` baromt `dpmhm

     pdfmwmk mpmjklm odeymlmbfuem`me smrmem hme prmsmrmem `metar sdrtm odlm`u`me bml-bml

    ymef tkhm` odstkeym hkfuem`me hmlmo pdlmtkbme hme pdehkhk`me.Jdrhmsmr`me urmkme hkmtms om`m pdeulks odomehmef smefmt pdrlu hkmhm`me

     pdedlktkme hme memlksks odefdemk strmtdfk pdekef`mtme `kedrim pdfmwmk pmhm @TM

    @dcmomtme Tetdr Kwds. Aldb `mrdem ktu pdeulks odefmef`mt Iuhul

    S`rkpsk^dekef`mtme@kedrim ^dfmwmk @TM @dcmomtme Tetdr Kwds. Hmlmo bml kek

     pdeklmkme `kedrim pdfmwk smefmt pdetkef hklm`u`me uetu` odefdtmbuk `domiume bmskl

    ymef hkcmpmk hme jdromegmmt tdrutmom hmlmo pdojdrkme pdefbmrfmme (rdwmrhs).

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 3

    =.:.  Xuiume ̂ dedlktkme=.  Tetu` odefdtmbuk strmtdfk pdekef`mtme `kedrim pdfmwmk pmhm @TM @dcmomtme

    Tetdr Kwds.:.  Tetu` odefdtmbuk lmef`mb-lmef`mb hmlmo odekef`mt`me `kedrim pdfmwmk pmhm

    @TM @dcmomtme Tetdr Kwds.

    KK.  XKEIMTME ̂ TSXM@M

    :.=.  Lmehmsme Xdark

    :.=.=.  Omemidode StrmtdfkOmemidode strmtdfk` odrupm`me sumtu prasds ymef hkemok` `mrdem jdrlmefsuef

    sdcmrm tdrus-odedrus hmlmo sumtu arfmeksmsk. Sdtkmp strmtdfk sdlmlu ododrlu`me

     pdekeimume ulmef hme jmb`me ouef`ke pdrujmbme hk omsm hdpme. Smlmb smtu mlmsme

    utmom odefmpm hdok`kme bmleym kmlmb `mrdem `aehksk ymef hkbmhmpk aldb smtu

    arfmeksmsk, jmk` ymef skgmteym ketdreml omupue d`stdreml sdlmlu jdrujmb-ujmb pulm.

    Hdefme `mtm lmke strmtdfk omemidode hkom`suh`me mfmr arfmeksmsk odeimhk smtume ymef

    omopu odemopkl`me `kedrim tkeffk `mrdem arfmeksmsk ymef jdrbmskl mhmlmb arfmeksmsk

    ymef tkef`mt dgd`tkgktms hme prahu`tkvktmseym om`ke lmom om`ke tkeffk.

    :.=.:.  Strmtdfk^defdrtkme Strmtdfk sdcmrm `bususstrmtdfk sdrkef hkmrtk`me sdjmfmk tm`tk` mtmu

    skmsmt. Odeurut ^kdrcd hme Zajkesae (:>>>, p8) strmtdfk mhmlmb pdrbmtkme pdrusmbmme

    tdetmef jmfmkomem, `mpme hme hkomem sdjmk`eym jdrsmkef, odlmwme skmpm hme uetu`

    tuiume mpm odrd`m jdrsmkef.

    :.=.3.  Xdark @kedrimOdeurut Fkjsae, h`` (:>>39 344), Iaj ^drgaromecd mhmlmb bmskl hmrk pd`drimme

    ymef tdr`mkt hdefme tuiume arfmeksmsk, dgkskdesk hme `kedrim `dgd`tkgme `kedrim lmkeeym.

    Sdodetmrm odeurut Klyms (=;;;9 ;;), `kedrim mhmlmb pdemopklme bmskl `drim pdrsaekl

    omupue hmlmo sumtu arfmeksmsk.

    Jdrhmsmr`me jdjdrmpm pdehmpmt tdetmef `kedrim hme prdstmsk `drim hmpmt

    hkskopul`me jmbwm pdefdrtkme `kedrim omupue prdstmsk `drim odefmehuef sujstmesk

     pdecmpmkme bmskl `drim aldb sdsdarmef.

    :.=.8.  @kedrim ̂ dfmwmk

    @kedrim pdfmwmk hmlmo arfmeksmsk odefmrmb `dpmhm `domopume pdfmwmk hmlmoodlm`smem`me `dsdlurubme tufms-tufms ymef odeimhk tmeffuef imwmjeym. Xufms-tufms

    tdrsdjut jkmsmeym jdrhmsmr`me kehk`mtar-kehk`mtar `djdrbmsklme ymef suhmb hktdtmp`me.

    Sdjmfmk bmskleym m`me hk`dtmbuk jmbwm sdsdarmef pdfmwmk omsu` hmlmo tkef`mtme

    `kedrim tdrtdetu. @kedrim odrupm`me `aojkemsk metmrm `domopume hme usmbm uetu`

    odefbmskl`me mpm ymef hk`drim`me. Supmym odefbmskl`me `kedrim ymef jmk` sdsdarmef

    bmrus odoklk`k `domopume, `domume usmbm mfmr sdrtm sdtkmp `dfkmtme ymef

    hklm`smem`me tkhm` odefmlmok bmojmtme ymef jdrmt hmlmo lkef`uefmeeymå, Jdrry hme

    Baustae hmlmo @msko, (=;;3).

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 8

    :.=.4.  ^deklmkme @kedrimOdeurut Faods, (:>>39=37). Xdrhmpmt hum symrmt utmom ymef hkpdrlu`me fuem

    odlm`u`me pdeklmkme `kedrim ymef dgd`tkg, ymktu, (=) Mhmeym `rktdrkm `kedrim ymef hmpmthku`ur sdcmrm ajid`tkg. (:) Mhmeym ajid`tkvktms hmlmo prasds dvmlumsk.

    Hdefme hdok`kme, hmlmo odlmlu`me pdeklmkme mtms prdstmsk `drim pmrm pdfmwmk

    bmrus tdrhmpmt ketdrm`sk pasktkg hme `aetkeu metmrm pmrm pdimjmt pkopkeme hme jmfkme

    `dpdfmwmkme.

    :.=.7.  Memlksks SVAX^defdrtkme memlksks SVAX mhmlmb smlmb smtu jdetu` memlksks hmlmo omemidode

    hdefme odeffuem`me prkeskp SVAX (Strdeftb, Vdm`edssds, Appartuektkds, meh

    Xbrdmts). Memlsks SVAX hkfuem`me uetu` odlkbmt `d`umtme, `dldombme, pdlumef hme

    mecmome ymef m`me hkbmhmpk aldb pdrusmbmme/arfmeksmsk.

    Sdhmef`me @atldr (:>>29 22) odefdou`m`me jmbwm memlksks SVAX mhmlmb

    dvmlumsk tdrbmhmp `dsdlurubme `d`umtme, `dldombme, pdlumef hme mecmome hksdjut

    Memlksks SVAX. Mhmpue Xd`ek` Memlksks SVAX ymef hkfuem`me mhmlmb sdjmfmk

     jdrk`ut9

    M.  Memlksks Ketdreml 

    =. 

    Memlksks @d`umtme (Strdefbt) 

    Sdtkmp pdrusmbmme/arfmeksmsk pdrlu odeklmk `d`umtme hme `dldombmeeym

    hkjmehkef`me pmrm pdsmkefeym. ^deklmkme tdrsdjut hmpmt hkhmsmr`me pmhm gm`tar-

    gm`tar sdpdrtk td`ealafk, suojdr hmym gkemeskml, `domopume `domeugm`turme,

    `d`umtme pdomsmrme, hme jmsks pdlmffme ymef hkoklk`k. Strdefbt(`d`umtme)

    mhmlmb `dmblkme hme `dldjkbme ymef hkoklk`k aldb pdrusmbmme/arfmeksmsk pdsmkef.:.  Memlksks @dldombme (Vdm`edssds) 

    Odrupm`me `dmhmme pdrusmbmme/arfmeksmsk hmlmo odefbmhmpk pdsmkef

    odopueymk `dtdrjmtmsme hme `d`urmefme sdrtm `domopume. Hmlmo prm`td`,

     jdrjmfmk `dtdrjmtmsme hme `d`urmefme `domopume tdrsdjut jksm tdrlkbmt pmhm

    smrmem hme prmsmrmem ymef hkoklk`k mtmu tkhm` hkoklk`k, `domopume omemidrkml

    ymef rdehmb, `dtdrmopklme pdomsmrme ymef tkhm` sdsumk hdefme tuetutme pmsmr,

     prahu` ymef tkhm` mtmu `urmef hkoketm aldb pmrm pdeffuem mtmu cmlae pdeffuem

    hme tkef`mt pdraldbme `duetuefme ymef `urmef odomhmk.

    3. 

    Appartuektkds (pdlumef) 

    Appartuektkds (pdlumef) odrupm`me `aehksk pdlumef jdr`dojmef hk omsm hmtmef

    ymef tdrimhk. @aehksk ymef tdrimhk odrupm`me pdlumef hmrk lumr arfmeksmsk, prayd` mtmu `aesdp jkseks ktu sdehkrk. oksmleym `aopdtktar, `djkim`me

     pdodrketmb, `aehksk lkef`uefme sd`ktmr.

    J.  Memlksks D`stdreml 

    =.  Memlksks ^dlumef (Appartuekty) 

    Sdtkmp pdrusmbmme/arfmeksmsk odoklk`k suojdr hmym ymef odojdhm`me hkrkeym

    hmrk pdrusmbmme/arfmeksmsk lmke. ^dlumef hme tdrajasme mtmu `dueffulme jdrsmkef

    tdrtdetu hme jdjdrmpm pdlumef odojutub`me sdiuolmb jdsmr oahml uetu` hmpmt

    hkomegmmt`me. Hkpkbm` lmke, pdrusmbmme-pdrusmbmme/arfmeksmsk jmru

     jdroueculme. ^dlumef pdomsmrme mhmlmb sumtu hmdrmb `djutubme pdojdlk hk

    omem pdrusmbmme hmpmt jdrapdrmsk sdcmrm odefuetuef`me.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 4

    :. 

    Memlksks Mecmome (Xbrdmts) 

    Mecmome mhmlmb tmetmefme ymef hkpdrlkbmt`me mtmu hkrmfu`me aldb sumtu

    `dcdehdruefme mtmu sumtu pdr`dojmefme ymef tkhm` odefuetuef-`me hmlmolkef`uefme ymef m`me odeydjmj`me `dodrasatme `dhuhu`me

     pdrusmbmme/arfmeksmsk.^defdrtkme mecmome odrupm`me `djmlk`me pdefdrtkme

     pdlumef.

    KKK. @DZMEF@M @AESD^XTML

    KW.  ODXAHD ̂ DEDLKXKME

    8.=.  Hmtm ^dedlktkme

    8.=.=.  Ideks ̂ dedlktkmeIdeks pdedlktkme ymef hkfuem`me mhmlmb pdedlktkme hds`rkptkg `umlktmtkg. Hds`rkptkg

    `umlktmtkg mhmlmb odefuef`mp`me gm`tm, `dmhmme, gdeaodem, pmrkmjdl hme `dmhmme ymef

    tdrimhk smmt pdedlktkme jdrimlme hme odeyufub`me mpm mhmeym (Sufkaea, :>>69=8=4).

    8.=.:.  Ideks HmtmHmtm ymef hkfuem`me hmlmo pdedlktkme kek mhmlmb hmtm `umlktmtkg. Hmtm `umlktmtkg

    hmlmo pdedlktkme kek odlkputk hmtm tdopmt `drim ymef odeimhk patdesk `kedrim pdfmwmk hk@TM @dcmomtme Tetdr Kwds. @d`umtme, `dldombme, pdlumef hme tmetmefme `kedrim

    `drim sdrtm hmtm tdetmef lmef`mb-lmef`mb hmlmo odekef`mt`me `kedrim `drim pdfmwmk

    @TM @dcmomtme Tetdr Kwds.

    8.=.3.  Suojdr HmtmSuojdr prkodr hmlmo pdedlktkme kek mhmlmb armef-armef ymef hkimhk`me sdjmfmk

    kegaromsk ymktu @dpmlm @metar Trusme Mfmom @dcmomtme Tetdr Kwds. Sdhmef`me

    suojdr sd`uehdr hmlmo pdedlktkme kek mhmlmb kestmesk @dodetrkme Mfmom @mjupmtde

    Suojmwm.

    @kedrim ^dfmwmk

    Gm`tar ^defbmojmt@drim

    Lmef`mb-lmef`mb/Tpmym^dekef`mtme @kedrim

    Gm`tar ̂ dehu`uef@drim

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 7

    8.=.8.  Odtahd ̂ defuopulme HmtmOdtahd pdefuopulme hmtm ymef hkfuem`me hmlmo pdedlktkme kek mhmlmb9

    =) 

    Odtahd pdecmtmtme, mhmlmb hdefme cmrm odecmtmt hmtm ymef suhmb tdrsdhkm hksuojdr-suojdr hmtm (Zkmesd hme Mjhk, :>>29 :=3). Hmlmo pdedlktkme kek odtahd

     pdecmtmtme hkfuem`me uetu` odefuopul`me hmtm tdetmefbmskl `drim ymef odeimhk

    `kedrim ^dfmwmk @metar Trusme Mfmom (@TM) @dcmomtme Tetdr Kwds.

    :)  Vmwmecmrm, mhmlmb odrupm`me pdrtdoume hum armef uetu` jdrtu`mr kegaromsk khd

    odlmluk Xmeym imwmj, sdbkeffm hmpmt hk`aestu`sk`me om`em hmlmo sumtu tapk`

    tdrtdetu (Dstdrjdrf, :>>: hmlmo Sufkyaea, :>>;9 6:). Hmtm ymef mhm pmhm @TM

    @dcmomtme Tetdr Kwds mhmlmb odefdemk hmtm `dmfmomme hme hmtm tdrtkjeym

    mhokekstrmsk ek`mb.

    8.=.4.  Hdgkeksk Apdrmskaeml Wmrkmjdl

    =. 

    @kedrim mhmlmb bmskl `drim ymef odeimhk pd`drim jmk` pdodrketmb pusmt, prapkesk

    hme hmdrmb mtmu pdfmwmk pusmt omupue hmdrmb.

    :.  Lmef`mb-lmef`mb hmlmo odekef`mt`me `kedrim pdfmwmk @TM `dcmomtme Tetdr

    Kwds. @dfkmtme-`dfkmtme ymef hmpmt hklm`u`me uetu` odekef`mt`me `kedrim

     pdfmwmk @metar Trusme Mfmom (@TM) @dcmomtme Tetdr Kwds.

    8.=.7.  ^rasdhur Memlksks Hmtm

    Xd`ek` memlksks ymef hkfuem`me hmlmo pdedlktkme kek mhmlmb Memlksks SVAX.

    Memlksks SVAX mhmlmb skef`mtme hmrk Jmbmsm Keffrks hmrk  strdeftbs, wdm`edssds,

    appartuektkds, meh tbrdmts mhmlmb odtahd pdrdecmemme strmtdfks ymef hkfuem`me uetu`

    odefdvmlumsk `d`umtme, `dldombme, pdlumef, hme mecmome hmlmo sumtu prayd` mtmusumtu spd`ulmsk jkseks. ^rasds kek odlkjmt`me pdedetume tuiume ymef spdskgk` hme

    odefkhdetkgk`msk gm`tar ketdreml hme d`stdreml ymef odehu`uef hme ymef tkhm`

    odefbmojmt hmlmo odecmpmk tuiume tdrtdetu.

    @aetd`s pdfmwmk hmlmo memlksm SVAX hmpmt hkmrtk`me jmbwm ^dodrketmb

    Hmdrmb hkdvmlumsk hmlmo bml9 Strdefbt   (@d`umtme), Vdm`edssds  (@dldombme),

    Appartuektkds (^dlumef), hme Xbrdmts (Mecmome).

    Gm`tar D`sdreml

    D`aeaok, Saskml^alktk`, Zdfulmsk

    ^dodrketmb

    @aarhkemsk^drsmkefme

    hme Hmym Xmrk`

    ^dlumefhme

    Mecmome

    Gm`tar Ketdreml

    @d`umtme, @dldombme,

    `aopdtdesk hme

    @mpmjklktms

    Mojksk

    hme

    Gklsmgmt

     Eklmk hme

    @ultur ^drasmbmme /

    Arfmeksmsk

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 6

    W.  BMSKL MEMLKSKS HME ̂ DOJMBMSME

    4.=.  Gm`tar Ketdreml [mef Odopdefmrubk @kedrim ̂ dfmwmk

    Mhmpue gm`tar ketdreml pmhm @TM @dcmomtme Tetdr Kwds sdjmfmk jdrk`ut9=.  Odoklk`k pdfmwmk @TM tdrhkrk hmrk 6 armef hkmetmrmeym 7 armef ^ES hme = Baeardr

    ^dfmwmk @TM @dcmomtme Tetdr Kwds jdrpdehkhk`me Strmtm Smtu (S=) hmlmo jkhmef

    Mfmom Kslmo, hklkbmt hmrk `dtdrmopklme pdfmwmk pmhm @TM @dcmomtme Tetdr Kwds

    odoklk`k `dtdrmopklme hme pdefmlmome ymef smefmt pragdskaeml hklkbmt hmrk omsm

    `drim, rumef hme falaefme hme sdsumk hdefme tupa`sk omskef-omskef pdfmwmk pmhm

    @TM @dcmomtme Tetdr Kwds.

    :. 

    Hmlmo odeimlme`me tufms `kedrim pdfmwmk @TM @dcmomtme Tetdr Kwds hk tueimef

    hdefme smrmem hme prmsmrmem ymef cu`up ldef`mp hdefme odoklk`k pdrmef`mt

    `aoputdrksmsk ymef cu`up ldef`mp hme pdrmlmtme tulks-odeulks lmkeeym sdjmfmk

    smrmem mhokekstrmsk `metar sdbkeffm sdoum hmtm-hmtm mtmu mfdehm `dfkmtme pdfmwmk

    @TM hmpmt jksm hkm`sds`me sdbkeffm hmpmt odopdrouhmb pdfmwmk hmlmo jkhmef

    ha`uodetmsk hme stmtkstk` `mrdem odoklk`k hmtm-hmtm ymef ldef`mp. Sdlmke hmrk

    smrmem hme prmsmrmem hmlmo jkhmef mhokekstrmsk iufm odoklk`k smrmem prmsmrmem

     pdeueimef lmkeeym ymef ymef tkhm` `mlm ldef`mpeym jdrupm smrmem `aouek`msk hme

    trmespartmsk.

    3. 

    @umlktms `drim hdefme odekef`mt`me SHO (Suojdr Hmym Omeuskm) pdfmwmk pmhm

    @TM @dcmomtme Tetdr Kwds hmlmo odekef`mt`me `kedrim mtmu `umlktms `drim pdrlu

    hkmhm`me pdlmtkbme-pdlmtkbme fuem uetu` odekef`mt`me suojdr hmym omeuskm hme

    odefdojmef`me `dsdopuremme Suojdr Hmym Omeuskm odlmluk upmym pdekef`mtme

     prahu`tkgktms hdefme cmrm pdlumsme `dsdopmtme `drim sdrtm pdekef`mtme prahu`sk

    odlmluk jdrjmfmk omcmo td`ealafk ymef tdlmb jdrd`dojmef sdcmrm pdsmt, jdrbujueftd`ealafk `aouek`msk hme kegaromsk ymef jdr`mktme drmt hdefme tufms @TM

    @dcmomtme Tetdr Kwds.

    4.:.  Gm`tar D`stdreml [mef Odopdefmrubk @kedrim ^dfmwmkMhmpue gm`tar d`stdreml hmrk `mrym tulks ymef jdriuhul Strmtdfk ^dekef`mtme

    @kedrim ^dfmwmk pmhm @TM @dcmomtme Tetdr Kwds hmlmo mrtk ^dfmwmk @TM

    @dcmomtme Tetdr Kwds odlm`u`me `dfkmtme d`stdreml mhmlmb 9

    =.  Odlm`u`me jdjdrmpm prafrmo `drim hkmetmrmeym X^], Omidlks Xm`lko, ^defmikme,

    ^dlm`smemme @dfkmtme Bmrk Jdsmr Mfmom hme ^rasds Ek`mb fuem tdrwuiuheym eklmk-

    eklmk rdlkfk sdjmfmk lmehmsme oarml hme spkrktuml hmlmo `dbkhupme jdromsymrm`mt

    hklkef`uefme @dcmomtme Tetdr Kwds. Hdefme oksk pdojdrhmymme ldojmfm-ldojmfm`dmfmomme hmlmo prasds pdojmefueme, sdpdrtk X^], Omidlks Xm`lko hme

     pdekef`mtme `umlktms pdlmymeme kjmhmb saskml `dmfmomme hme pdefdojmefme

     pdojdrhmymme zm`mt, kegm` hme sbmhmqab.

    :.  Saskml Juhmym

    @TM odrupm`me ldojmfm `dmfmomme ymef pmlkef hd`mt hdefme omsymrm`mt `mrdem

    omsymrm`mt pmhm wklmymb Tetdr Kwds omyarktms Kslmo hdefme omtm pdecmbmrkme

     jdrtmek hme saskml hmlmo jdromsymrm`mt hmlmo mrtk smlkef jmetu odojmetu mtmu

    fataef rayaef hme hdefme sdomefmt fataef rayaef juhmym Kslmo smefmt odld`mt hk

    tujub omsymrm`mt, tkhm` puhmr hk tdlme wm`tu mtmu tdrpdefmrub aldb flajmlksmsk

    zmome sd`mrmef kek hme jksm hkomegmmt`me uetu` odefujmb hmlmo odeffufmb

    wmtm` omsymrm`mt ymef sulkt uetu` jdrkekskmtkg, `rdmtkg hme keavmtkg hmlmo

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 2

    odefdojmef`me `dfkmtme `dmfmomme om`m aldb `mrdem ktu @TM tkef`mtme juhmym

    `dmfmomme odlmluk pdefmikme rutke hme prasds ek`mb. Hdefme hdok`kme omsymrm`mt

    m`me tdrkeavmsk hme tdroatkvmsk hmlmo odefdojmef`me `dfkmtme `dmfmomme.Hdefme omsymrm`mt ymef jdrkekskmtkg, `rdmtkg hme keavmtkg hmlmo odefdojmef`me

    `dfkmtme `dmfmomme, hmlmo odekef`mt`me `mpmsktms SHO `bususeym ymef

     jdr`mktme lmefsuef hdefme `dfkmtme @TM hmlmo pdekef`mtme omsymrm`mt ymef

    rdlkfkaus, kslmok hmlmo jdrtmqwm, SHO odrupm`me pdekef`mtme `domopume sdcmrm

    `dkloume (klou pdefdtmbume) hdefme odefdojmef`me imrkefme pdehkhk`me, jmk`

    garoml omupue kegaroml ymef oded`me pmhm pragdskaemlksod sdbkeffm `umlktms

    SHO sdsumk hdefme tuetutme hmsmr `drim ymef omopu jdrsmkef hk drm `aopdtksk

    ymef tkeffk pmhm smmt kek `busueym hkjkhmef mfmom.

    3.  Hdefme juhmym Kslmo omsymrm`mt odoklk`k hmym tmrk` tdrsdehkrk uetu` hkmim`

    `rdmtkg, keavmtkg hmlmo jkhmef `dmfmomme sdbkeffm `kedrim pdfmwmk @TM

    @dcmomtme Tetdr Kwds odeimhk caetab mtmu pmeutme jmfk omsymrm`mt uouo, hme

     pmhm `bususeym hmlmo wklmymb `drim @TM @dcmomtme Tetdr Kwds.

    Hmrk gm`tar ketdreml hme d`stdreml hmpmt hksmik`me bmskl Memlksks SVAX sdjmfmk

     jdrk`ut9

    =. 

    Strdmefbt (@d`umtme) ymef mhm hk @TM odokl`k pdfmwmk hdefme SHO ymef cu`up

    hmlmo hk jkhmef `dmfmomme ymef jksm jdrsmkef hk drm `aopdtksk ymef tkeffk pmhm

    smmt kek sdrtm pdlmymeme pdfmwmk ymef prkom.

    m.  SA (Strmefbt  –   Appartuekty), ymktu hdefme mhmeym `d`umtme odojdrk`me

     pdlumef `dpmhm pdfmwmk hmlmo odefdojmef`me `dldojmfmme ymef hmpmt

    odehu`uef `dfkmtme @TM hk @mjupmtde Suojmwm. Tpmym pdekef`mtme`dldojmfmme ymef hmpmt hklm`u`me hmlmo rmef`m odehu`uef `dfkmtme @TM

    @dcmomtme Tetdr Kwds mhmlmb hdefme pdojkemme `dlaopa` `dlumrfm sm`kemb,

    omidlks tmq`lko ymef jd`drimsmom hdefme `dldojmfmme lmke ymef tdr`mkt hme

    odehu`uef `dfkmtme @TM @dcmomtme Tetdr Kwds. Oksmleym, X^], ^JBM,

    Xmqokr ]ur‛me. Sdjmfkme hmrk `dlaopa` -`dlaoa` tdrsdjut hkfdrm`me hkjdrjmfmk

     jkhmef usmbm imsm, imsm pdehkhk`me, imsm jafm, imsm ckehdrm omtm hme lmke

    sdjmfmkeym.

     j.  VX (Vdm`edss  –   Xrdmtb) [mktu hdefme mhmeym `dldombme m`me okeojul`me

    mecmome. @dldombme ymef huom`suh mhmlmb `mpmsktms Suojdr Hmym Omeuskm

    (SHO) omskb tdrjmtms sdbkeffm odefm`kjmt`me mecmome `dpmhm pdfmwmk @TM

    ymef hkmeffmp tkhm` pragdskaeml hmlmo odojumt trajasme-trajasme jmru hmlmo jkhmef `dmfmomme sdbkeffm tkojul mecmome `dpmhm pdfmwmk jmbwm pdfmwmk

    omlms hme pklkb `mskb tdrbmhmp omsymrm`mt.

    :.  V (Vdm`edss) ^dfmwmk `metar ymef tdrjmtms `domopume SHO hme omskb

    tdrjmtmseym smrmem hme prmsmrmem `metar sdbkeffm hmpmt hk tueiu`me hdefme.

    m.  VA (Vdm`edss  –   Appartuekty) hdefme `dldombme ymef mhm m`me odeimhk

     pdlumef hkomsm ymef m`me hmtmef. [mef hkom`suh hdefme `dldombme mhmlmb

    SHO pdfmwmk ymef omskb `urmef m`me odeimhk pdlumef uetu` odlm`u`me

     pdojdlmimrme, pdlmtkbme-pdlmtkbme hme lmke sdjmfmkeym hmlmo jkhmef mfmom pmhm

    @TM `dcmomtme Tetdr Kwds

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 ;

     j. 

    VX (Vdm`edss  –   Xrdmrtb) [mktu hdefme `dldombme m`me odeydjmj`me

    mecmome, ymef hkom`suh hdefme `dldombme ymktu Suojdr Hmym Omeuskm

    (SHO) ymef tdrjmtms, `bususeym ymef jdr`mktme lmefsuef hdefme `dfkmtme @TMsdbkeffm odek`ojulm`me mecmome jdrupm pdfmwmk tkhm` pragdskaeml hme pklkb

    `mskb tdrbmhmp omsymrm`mt, hmse lmke sdjmfmkeym.

    3.  Appartuekty (^dlumef)

    Odojdrk`me fmojmrme uouo jmfk pdlm`smem `dfkmtme @TM @dcmomtme Tetdr

    Kwds. Sdbkeffm hmpmt odefdtmbuk stmehmrh hme valuod `drim ymef hklm`smem`me aldb

     pmrm ^dfmwmk @TM @dcmomtme Tetdr Kwds sdbkeffm jksm odojdrk`me hmym

     pdeklmkme sujyd`tkg hmrk omskef-omskef pdrsaeml pdlm`smem ^dfmwmk @TM

    @dcmomtme Tetdr Kwds hme odeharaef tkojuleym `rdmtkgktms hmlmo odeckptm`me

    trajasme jmru uetu` odekef`mt`me `umlktms `drim hme hmpmt odopraoask`me hkrkeym

    hmlmo pdrjmk`me, pdekef`mtme, hme pdeydopuremme bmskl `drim sdsumk hdefme tufms-

    tufms ymef hkdojmeeym hme jksm odojdrk`me ruousme flajml tdetmef mpm ymef tdlmb

    hklm`smem`me @TM @dcmomtme Tetdr Kwds hme mpm ymef m`me hkrdecmem`me

    `dhdpmeeym.

    m.  SA (Strdmefbt –  Appartuekty), [mktu hdefme `d`umtme ymef mhm m`me odehmpmt

     pdlumef. [mef hkom`suh hdefme `d`umtme ymktu pdfmwmk ymef `rdmtkg hme

    odoklk`k SHO ymef tkeffk hmlmo jkhmef `dmfmomme uetu` odojumt pdlumef

    hdefme upmym pdojdetu`me prafrmo-prafrmo ymef hmpmt odehu`uef `dfkmtme

    @TM `dcmomtme Tetdr Kwds jdrupm prafrmo X^], ^JBM, Xmqokr ]ur‛me.

    Sdjmfkme hmrk `dlaopa`-`dlaoa` tdrsdjut hkfdrm`me hkjdrjmfmk jkhmef usmbm

     imsm, imsm pdehkhk`me, imsm jafm, imsm ckehdrm omtm hme lmke sdjmfmkeym. j.  VA (Vdm`edss  –   Appartuekty) [mktu hdefme `dldombme m`me odekojul`me

     pdlumef. [mef hkom`suh hdefme `dldombme mhmlmb `dtdrjmtmsme SHO smrmem

    hme prmsmrmem `metar ymef jdr`mktme `busus hdefme `dfkmtme @TM @dcmomtme

    Tetdr Kwds om`m jdrpdlumef uetu` odefmhm`me pdlmtkbme-pdlmtkbme hmlmo

     jdrjmfmk `dfkmtme `dmfmomme oksmleym pdlmtkbme zm`mh wm`mg, pdlmtkbme prahu`

    bmlml-bmrmo, `almjarmsk mrmb `kjlmt hme lmke-lmke. Odefmhm`me pdlmtkbme hmlmo

     jkhmef saskmlksmsk pdr`mwkeme, ^dojkemme `dlumrfm sm`kemb. Sdrtm, pdefusulme

    `dldef`mpme smrmem prmsmrmem `metar @TM @dcmomtme Tetdr Kwds fuem uetu`

    odojdrk`me pdlmymeme prkom.

    8. 

    X (Xrdmrtbs) Cktrm @TM sdjmfmk pdeharaef emr`ajm hme pareafrmgk hme sdjmfmk pdehu`ufe `mwke ouhm sdrtm hdefme tuhubme `arupsk iufm sdjmfmk prapa`mtar

    metmrm uomt jdrmfmom.

    m.  SX (Strdefbt –  Xrdmrtb) ymktu hdefme `d`umtme m`me odekojul`me mecmome

    hme ymef hkom`suh hdefme `d`umtme SHO pdfmwmk ymef cu`up pragdskaeml

    `bususeym ymef jdr`mktme drmt hdefme tufms-tufms @TM @dcmomtme Tetdr

    Kwds sdbkeffm odekojul`me mecmome jdrupm pdom`smme tdrbmhmp uomt

    omsymrm`mt mfmr jdrkekskmtkg, `rmtkg hme keavmtkg hmlmo odefdojmef`me

    `dfkmtme `dmfmomme.

     j. 

    VX (Vdm`edss  –   Xrdmrtb) [mktu hdefme `dldombme odefm`kjmt`me

    mecmome. Hme ymef hkom`suh hdefme `dldombme `dtdrjmtmsme Suojdr Hmym

    Omeuskm (SHO), `bususeym ymef jdr`mktme lmefsuef hdefme `dfkmtme @TM

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =>

    hmlmo pdekef`mtme omsymrm`mt ymef rdlkfkaus, kslmok hme jdrtmqwm,

    SuojdrHmym Omeuskm (SHO) odrupm`me smlmb smtu `ueck ymef odeuiu

    m`khmb jmefsm hme edfmrm hkhmlmo sumtu wklmymb `atm omupue hdsm aldb`mrdem ktu SHO ymef hkoklk`k aldb @mjupmtde Suojmwm pdrlu hk`dlalmb

    sdcmrm tdpmt sdsumk hdefme `mrm`tdrkstk`eym. Lmef`mb ymef tdlmb hklm`u`me

    hmlmo odefdlalm SHO ymef rdlkfkus hk`mjupmtde Suojmwm metmrm lmke

    hdefme odekef`mt`me `umlktms suojdr hmym omeuskmeym (SHO) ymef

    odlkputk pdekef`mtme `domopume sdcmrm `dkloume (klou pdefdtmbume)

    hdefme odefdojmef`me imrkefme pdehkhk`me, jmk` garoml omupue kegaroml,

    ymef oded`me pmhm pragdskaemlksod sdbkeffm `umlktms suojdr hmym omeuskm

    ymef hkbmskl`me sdsumk hdefme tuetutme pmsmr `drim ymef omopu jdrsmkef

    hkdrm `aopdtksk ymef tkeffk pmhm smmt kek `bususeym hkjkhmef mfmom. Sdlmke

    ktu pdefdojmefme SHO iufm hkbmrmp`me m`me omopu odecdfmb jdrjmfmk

    mecmome sdpdrtk pdrhmfmefme ajmt tdrmlmrmef, pareafrmgk, `mwke ouhm hme

     pdecdomrme lkef`uefme rusm`eym m`khmb jmefsm.

    Xmjdl =.

    ^defdojmefme @kedrim @TM Tetdr KwdsGm`tar

    Ketdreml

    Gm`tarD`stdreml

    Strdmefbt (S)9

    Strdmefbt (@d`umtme) ymef mhm hk

    @TM odokl`k pdfmwmk hdefme

    SHO ymef cu`up hmlmo hk jkhmef

    `dmfmomme ymef jksm jdrsmkef hk

    drm `aopdtksk ymef tkeffk pmhm

    smmt kek sdrtm pdlmymeme pdfmwmkymef prkom.

    Vdm`edss (V)9

    ^dfmwmk `metar ymef tdrjmtms

    `domopume SHO hme omskb

    tdrjmtmseym smrmem hme prmsmrmem

    `metar.

    Appartuektkds (A)9

    Appartuekty (^dlumef)

    Odojdrk`me fmojmrme uouo

     jmfk pdlm`smem `dfkmtme @TM

    @dcmomtme Tetdr Kwds. Sdbkeffmhmpmt odefdtmbuk stmehmrh hme

    valuod `drim ymef hklm`smem`me

    aldb pmrm ^dfmwmk @TM

    @dcmomtme Tetdr Kwds sdbkeffm

     jksm odojdrk`me hmym pdeklmkmesujyd`tkg hmrk omskef-omskef

     pdrsaeml pdlm`smem ^dfmwmk @TM

    @dcmomtme Tetdr Kwds hme

    odeharaef tkojuleym `rdmtkgktms

    hmlmo odeckptm`me trajasme jmru

    uetu` odekef`mt`me `umlktms `drimhme hmpmt odopraoask`me

    hkrkeym hmlmo pdrjmk`me,

    SA (Strdmefbt –  Appartuekty)9

    [mktu hdefme `d`umtme ymef mhm

    m`me odehmpmt pdlumef. [mef

    hkom`suh hdefme `d`umtme ymktu

     pdfmwmk ymef `rdmtkg hmeodoklk`k SHO ymef tkeffk hmlmo

     jkhmef `dmfmomme uetu`

    odojumt pdlumef hdefme upmym

     pdojdetu`me prafrmo-prafrmo

    ymef hmpmt odehu`uef `dfkmtme@TM `dcmomtme Tetdr Kwds

     jdrupm prafrmo X^], ^JBM,

    Xmqokr ]ur‛me. Sdjmfkme hmrk

    `dlaopa`-`dlaoa` tdrsdjut

    hkfdrm`me hkjdrjmfmk jkhmef

    usmbm imsm, imsm pdehkhk`me, imsm jafm, imsm ckehdrm omtm hme lmke

    sdjmfmkeym.

    VA (Vdm`edss –  Appartuekty)9

    [mktu hdefme `dldombme m`me

    odekojul`me pdlumef. [mef

    hkom`suh hdefme `dldombme

    mhmlmb `dtdrjmtmsme SHO smrmemhme prmsmrmem `metar ymef

     jdr`mktme `busus hdefme `dfkmtme

    @TM @dcmomtme Tetdr Kwds

    om`m jdrpdlumef uetu`

    odefmhm`me pdlmtkbme-pdlmtkbmehmlmo jdrjmfmk `dfkmtme

    `dmfmomme oksmleym pdlmtkbme

    zm`mh wm`mg, pdlmtkbme prahu`

    bmlml-bmrmo, `almjarmsk mrmb

    `kjlmt hme lmke-lmke. Odefmhm`me

     pdlmtkbme hmlmo jkhmef saskmlksmsk pdr`mwkeme, ^dojkemme `dlumrfm

    sm`kemb. Sdrtm, pdefusulme

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 ==

     pdekef`mtme, hme pdeydopuremmebmskl `drim sdsumk hdefme tufms-

    tufms ymef hkdojmeeym hme jksmodojdrk`me ruousme flajml

    tdetmef mpm ymef tdlmb

    hklm`smem`me @TM @dcmomtme

    Tetdr Kwds hme mpm ymef m`mehkrdecmem`me ̀ dhdpmeeym.

    `dldef`mpme smrmem prmsmrmem`metar @TM @dcmomtme Tetdr

    Kwds fuem uetu` odojdrk`me pdlmymeme prkom.

    Xbrdmts (X)9

    Xbrdmrts Cktrm @TM sdjmfmk

     pdeharaef emr`ajm hme

     pareafrmgk hme sdjmfmk

     pdehu`ufe `mwke ouhm sdrtm

    hdefme tuhubme `arupsk iufm

    sdjmfmk prapa`mtar metmrm uomt

     jdrmfmom.

    SX (Strdefbt –  Xrdmrtb)9

    ymktu hdefme `d`umtme m`me

    odekojul`me mecmome hme ymef

    hkom`suh hdefme `d`umtme SHO

     pdfmwmk ymef cu`up pragdskaeml

    `bususeym ymef jdr`mktme drmt

    hdefme tufms-tufms @TM

    @dcmomtme Tetdr Kwds sdbkeffmodekojul`me mecmome jdrupm

     pdom`smme tdrbmhmp uomt

    omsymrm`mt mfmr jdrkekskmtkg, `rmtkghme keavmtkg hmlmo

    odefdojmef`me `dfkmtme

    `dmfmomme.

    VX (Vdm`edss –  Xrdmrtb)9

    [mktu hdefme `dldombme

    odefm`kjmt`me mecmome. Hme

    ymef hkom`suh hdefme `dldombme

    `dtdrjmtmsme Suojdr Hmym

    Omeuskm (SHO), `bususeym ymef

     jdr`mktme lmefsuef hdefme

    `dfkmtme @TM hmlmo pdekef`mtmeomsymrm`mt ymef rdlkfkaus, kslmok

    hme jdrtmqwm, Suojdr Hmym

    Omeuskm (SHO) odrupm`me smlmbsmtu `ueck ymef odeuiu m`khmb

     jmefsm hme edfmrm hkhmlmo sumtu

    wklmymb `atm omupue hdsm aldb

    `mrdem ktu SHO ymef hkoklk`k

    aldb @mjupmtde Suojmwm pdrlu

    hk`dlalmb sdcmrm tdpmt sdsumkhdefme `mrm`tdrkstk`eym. Lmef`mb

    ymef tdlmb hklm`u`me hmlmo

    odefdlalm SHO ymef rdlkfkus

    hk`mjupmtde Suojmwm metmrm lmkehdefme odekef`mt`me `umlktms

    suojdr hmym omeuskmeym (SHO)ymef odlkputk pdekef`mtme

    `domopume sdcmrm `dkloume

    (klou pdefdtmbume) hdefme

    odefdojmef`me imrkefme

     pdehkhk`me, jmk` garoml omupuekegaroml, ymef oded`me pmhm

     pragdskaemlksod sdbkeffm `umlktms

    suojdr hmym omeuskm ymef

    hkbmskl`me sdsumk hdefme tuetutme

     pmsmr `drim ymef omopu jdrsmkef

    hkdrm `aopdtksk ymef tkeffk pmhmsmmt kek `bususeym hkjkhmef

    mfmom. Sdlmke ktu pdefdojmefme

    SHO iufm hkbmrmp`me m`me

    omopu odecdfmb jdrjmfmk

    mecmome sdpdrtk pdrhmfmefme ajmt

    tdrmlmrmef, pareafrmgk, `mwkeouhm hme pdecdomrme

    lkef`uefme.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =:

    4.3.  Lmef`mb-lmef`mb ymef hktdopub uetu` odekef`mt`me @kedrim ^dfmwmk

    @TM ̀ dcmomtme Tetdr Kwds.

    =. 

    @drimsmom hdefme `dcmomtme hkjkhmef hmtm `dpdehuhu`me, ^BJT, saskmlksmskuehmef-uehmef pdr`mwkeme, symrmt-symrmt hme tmtm cmrm pdehmgtmrme

     pdr`mwkeme, purwm`mgme hme lmke-lmke odlmluk rmpmt `aarhkemsk hk @dcmomtme

    m.  @dimsmom hdefme OTK hkjkhmef `dru`ueme uomt jdrmfmom saskmlksmsk

    mrmb `kjlmt, pdemtmrme cmlae pdefmetke, saskmlksmsk zm`mh wm`mg, sdrtkgk`msk

    tmemb wm`mg, pdojkemme batkj iuo‛mt, tmtm cmrm pdeydojdlkbme bdwme

    `urjme hme pdojkemme odetml uomt.

     j. 

    @drimsmom hdefme palsd` tdetmef saskmlksmsk jmbmym emr`ajm saskmlksmsk

    uehmef-uehmef pareafrmgk hme `dmomeme lkef`uefme.

    c.  @drimsmom hdefme HOK hjkhmef pdom`ourme hme pdojdrhmymme guefsk

    omsikh hme pdehmtmme tdopmt-tdopmt kjmhmb.

    h. 

    @drimsmom hdefme T^XH pdehkhk`me hkjkhmef hmtm pdehkhk`me saskmlksmsk

    mturme pdr`mwkeme tdrbmhmp pdlmimr hme pdefmrub `mwke ouhm.

    Hme gm`tar pdehu`uef tdrsdjut mhm jdjdrmpm bmojmtme jdrupm 9

    =. 

    Jdluo mhmeym tdemfm `drim ymef om`skoml hmlmo odeimlme`me tums-tufms

    @TM Tetdr Kwds `mrdemjdr`demme hdefme mspd` bu`uo hme rktuml ymef

    smefmt odeydetub `dbkhupme `dsdbmrkme omsymrm`mt, om`m tufms hme guefsk

    @TM @dcmomtme Tetdr Kwds sdom`ke bmrk sdom`ke odeueiu``me

     pdekef`mtme.

    :.  @aehksk kegrmstru`tur pdeueimef sdpdrtk imlme rmym, m`sds trmespartmsk hme

    gm`tar pdeueimef lmkeeym jdluo mhm uetu` odekef`mt`me pdlmymeme ymef

     prkom tdrbmhmp omsymrm`mt hme `dfkmtme-`dfkmtme `dmfmomme.3.  ^defmrub wmtm` omsymrm`mt ymef sulkt uetu` hkoketm uetu` jdrkekskmtkg, `rdmtkg

    hme keavmtkg hmlmo odefdojmef`me `dfkmtme `dmfmomme sdbkeffm pdrme

     pdodrkuetmb smefmt pdetkef sdjmfmk oatkvmtar hme gmsklktmtar.

    WK.  @DSKO^TLME HME SMZME

    7.=.  @dskopulmeSdsumk hdefme lmtmr jdlm`mef, khdetkgk`msk omsmlmb, pdojmbmsme hme Memlksks

    SVAX sdrtm omtrk` strmtdfk om`m hmpmt hkskopul`me strmtdfk pdekef`mtme `kedrim

     pdfmwmk pmhm @TM @dcmomtme Tetdr Kwds odeueiu``me jmbwm hmrk sdfk `d`umtme

    mhmlmb odoklk`k pdfmwmk ymef `rdmtkg hme keavmtkg sdrtm SHO ymef tkeffk hmlmo jkhmef

    mfmom sdbkeffm jksm odojdrk pdefmrub pdrujmbme wmtm` omsymrm`mt uetu` odeimhk`rdmtkg, keavmtkg hmlmo jkhmef `dmfmomme. Hdefme `d`umtme tdrsdjut mhm pulm

    `dldombme jdrupm pdfmwmk @TM sulkt uetu` jksm odojumt trajasme-trajasme jmru

    hmlmo jkhmef mfmom `mrdem omsymrm`mt odoklk`k pmbmo ymef jdrjdhm-jdhm sdrtm

    `dym`keme ymef jdrjdhm-jdhm, hdesfme `dldombme tdrdjut odojdrk`me pdlumef `dpmhm

     pdfmwmk @TM @dcmomtme Tetdr Kwds uetu` jdrupmym odlm`u`me pdeyulubme-

     pdeyulubme, pdlmtkbme hmlmo jdrjmfmk jkhmef `dfmkmtme pdfmwmk @TM @dcmomtme

    Tetdr Kwds hdefme pdlumef hkmtms sodefm`kjmt`me mecmome `dpmhm ^dfmwmk @TM

     pdfmwmk hmlmo bml kek pdfmwmk hmlmo bml `dfkmtme hkjkhmef `dmfmomme jdrupm

     pdom`smme `dpdrcmymme hme `dym`keme sdrtm jdrmeffmpme odojdrk`me mimrme sdsmt,

    `mwke uskm ouhm pareafrmgk hme lmke sdjmfmkeym.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =3

    Lmef`mb-lmef`mb ymef hktdopub hmlmo odekef`mt`me strmtdfk `kedrim ^dfmwmk

    @TM @dcmomtme Tetdr Kwds ymktu hdefme odefdojmef`me `dldojmfmme ymef mhm

    sdrtm upmym odekef`mt`me `dlmojfmme ymef hmpmt odehu`uef `dfkmtme @TM sdrtmodefdojmef`me `domopume SHO (Suojdr Hmym Omeuskm). Mhmpue hmrk lmef`mb-

    lmef`mb tdrsdjut hmpmt hkskopul`me gm`tar pdehu`uef ymef hmpmt odekef`mt`me `kedrim

     pdfmwmk @TM @dcmomtme Tetdr Kwds ymktu ldojmfm `dmfmomme ymef jdrtufms

    odojdrk`me pdrimlmeme hme jkemme tdrbmhmp hk`dbkhupme jdromsym`mrmt hme mhmpue

    gm`tar pdefbmojmt `kedrim pdfmwmk @TM @dcmomtme Tetdr Kwds jdluo tdr`utmseym

    SHO pdfmwmk sdrtm smrmem-prmsmrmem `metar ymef omskb tdrjmtms, iufm pdefmrub wmtm`

    omsymrm`mt ymef sulkt uetu` hkoketm uetu` jdrkekskmtkg, `rdmtkg hme keavmtkg hmlmo

    odefdojmef`me `dfkmtme `dmfmomme.

    7.:.  Smrme

    =. 

    ^dodrketmb jdrsmom hdefme imimrme kestmesk `dodetrkme mfmom odojdrk`me

    hu`uefme `dpmhm omsymrm`mt hmlmo bml pdefdojmefme suojdr hmym omeuskm

    hmlmo jkhmef `dmfmomme hdefme pdojdetu`me X^], Omidlks Xm`lko, hme lmke

    sdjmfmkeym

    :.  @TM @dcmomtme Tetdr Kwds jd`drim smom hdefme ldojmfm `dmfmomme hkwklmymb

    `dcmomtme uetu` odojumt trajasme-trajasme jmru fuem odekef`mt`me suojdr

    hmym omeuskm hmlmo jkhmef `dmfmomme. 

    3.  ^dfmwmk @TM @dcmomtme Tetdr Kwds bmrus jksm jdrskgmt hkemoks, pram`tkg,

    `rdmtkg, omehkrk, mspkrmtkg hme jdrarkdetmsk pmhm pdedfm``me pdrmturme ymef

     jdrlm`u hmlmo bml pdekef`mtme pdlmymeme `dpmhm omsymrm`mt. 

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =8

    HMGXMZ ̂ TSXM@M

    Gm`ultms D`aeaok Tekvdrsktms Smomwm. :>=>. ^dhaome ^deulksme ^rapasml ^dedlktkmehme S`rkpsk. Suojmwm Jdsmr.

    Bmskjume, B. Omlmyu.S.^. :>>>.  Omemidode Suojdr Hmym Omeuskm. Fueuef Mfuef,

    Im`mrtm.

    @mrtkek, @mrtaea. =;;8. ^dokopke hme @dpdokopkeme. Zmimwmlk, Im`mrtm.

    @mous Jdsmr Jmbmsm Kehaedskm. =;;=. Jmlmk ^ustm`m

    @rkswmeta, Iaek. :>>2. TikMsuosk. @lmsk`.bttp9iaek`rkswmeta.jlafspat.cao/ uikmsuosk-

    `lmsk`.btol.:6omrdt :>>;

     Emzkr, O. =;22. Odtahd ^dedlktkme Survdy. Im`mrtm.Sulkstkymek & Zaskhmb. :>>3.  Omemidode Suojdr Hmym Omeuskm, @aesdp, Xdark hme

     ^defdojmefme Hmlmo @aetd`s Arfmeksmsk ^ujlk` . Frmbm Klou,

    [afym`mrtm.

    Skefmrkojue, Omsrk & Dgdehk Sagkme. =;2;.  Odtahd ^dedlktkme Survdy, dhksk Zdvksk.

    L^3DS, Im`mrtm.

    Sdhmromymetk. :>>=. Omemidode Suojdr Hmym Omeuskm hme ^rahu`tkgktms @drim.

    Jmehuef9 CW. Omehmromiu

    Skomoarm, Bdery, (:>>>) Omemidode Suojdr Hmym Omeuskm, [afym`mrtm, SXKD [@^E

    Su`mehmrruokhk, :>>7. Odtahdlafk ^dedlktkme 9 ^dtueiu` ^rm`tks Tetu` ^dedlktkme^doulm. [afym`mrtm9 Fmhim Omhm Tekvdrskty ^rdss.

    Tehmef-Tehmef Ea 83 Xmbue =;;;, Xdetmef ^a`a`-^a`a` @dpdfmwmkme.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =4

    ^DEKLMKME @KEDZIM @DTMEFME ̂ X. JME@ S[MZKMB OMEHKZK

    CMJMEF ^DOJMEXT STOJMVM XMBTE :>=>-:>=:

    Aldb9

    Oubmoomh Krpme

    MJSXZM@

     Lmparme `dumefme odrupm`me mlmt uetu` odef`aouek`msk`me `aehksk `dumefme

     pdrusmbmme. Lmparme `dumefme hkbmrmp`me hmpmt hkfuem`me uetu` odefmojkl

    `dputusme ymef rmskaeml hme tdpmt. Bmskl memlksks lmparme `dumefme m`me odojmetu

    hmlmo odefketdrprdstmsk`me jdrjmfmk bujuefme hme `dcdehdruefme ymef hmpmt

    odojdrk`me hmsmr pdrtkojmefme odefdemk patdesk `djdrbmsklme pdrusmbmme hkomsm

     ymefm`me hmtmef. Memlksks rmska `dumefme odrupm`me smlmb smtu td`ek` memlksks

    lmparme `dumefme. Memlksks rmska `dumefme hmpmt hkfuem`me uetu` odeklmk `kedrim

    `dumefme. ^dedlktkme kek hklm`u`me jdrtuiume uetu` odefdtmbuk `kedrim `dumefme ^X.

     Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm. ^deklmkme `kedrim `dumefme hmlmo

     pdedlktkme kek odeffuem`me 4 rmska `dumefme pdrusmbmme ymktu cmsb rmtka, lame ta

    hdpaskt rmtka (LHZ), cmpktml mhdqucy rmtka (CMZ), Zdture Ae Dqukty (ZAD), Zdture Ae

     Mssdt (ZAM) sdjmfmk vmrkmjdl kehdpdehde. ^dedlktkme hklm`u`me tdrbmhmp ^X. Jme`

    Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm hdefme odeffuem`me hmtm Xkod Sdrkds

    hmrk tmbue :>=> smopmk hdefme tmbue :>=:. Bmskl hmrk pdedlktkme kek hmpmt hkskopul`me

    jmbwm hdefme odeffuem`me odtahd rmska `dumefme ymktu cmsb rmtka, lame ta hdpasktrmtka (LHZ), cmpktml mhdqucy rmtka (CMZ), Zdture Ae Dqukty (ZAD), Zdture Ae Mssdt

    (ZAM), `kedrim `dumefme ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm

    odeueiu``me `kedrim ymef jmk`. ^deklmkme `kedrim `dumefme hdefme odeffuem`me

    odtahd rmska `dumefme ymktu cmsb rmtka, lame ta hdpaskt rmtka (LHZ), cmpktml mhdqucy

    rmtka (CMZ), Zdture Ae Dqukty (ZAD), Zdture Ae Mssdt (ZAM) smefmt odehu`uef

    tdrbmhmp pdeklmkme `kedrim `dumefme pdrusmbmme.

    @mtm @ueck  9 Lmparme @dumefme, @kedrim ̀ dumefme, Zmska @dumefme, Cmsb Zmtka,

    Lame ta Hdpaskt Zmtka (LHZ), Cmpktml Mhdqucy Zmtka (CMZ), Zdture

    Ae Dquk ty (ZAD), Zdture Ae Mssdt (ZAM). 

    K.  ^DEHMBTLTME

    =.=.  Lmtmr Jdlm`mef

    @rksks oaedtdr hme d`aeaok sdim` Iulk =;;6, ymef hksusul hdefme `rksks palktk`

    emskaeml tdlmb odojmwm hmopm` jdsmr hmlmo pdrd`aeaokme emskaeml. @rksks tdrsdjut

    tdlmb odefm`kjmt`me pdrjme`me Kehaedskm ymef hkhaokemsk aldb jme`-jme`

    `aevdeskaeml odefmlmok `dsulktme ymef smefmt pmrmb. @dmhmme tdrsdjut odeydjmj`me

     pdodrketmb Kehaedskm tdrpm`sm odefmojkl tkehm`me uetu` odrdstru`turksmsk hme

    odrd`mpktmlksmsk sdjmfkme jme`-jme` hk Kehaedskm.

    Lmbkreym Tehmef-Tehmef Ea. => tmbue =;;2, tdetmef ^drujmbme mtms Tehmef-

    Tehmef Ea. 6 tmbue =;;: tdetmef ^drjme`me, pmhm julme Eavdojdr =;;2 tdlmb

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =7

    odojdrk pdlumef ymef smefmt jmk` jmfk tuojubeym jme`-jme` symrkmb hk Kehaedskm.

    Tehmef-Tehmef tdrsdjut odouef`ke`me jme` jdrapdrmsk sdpdeubeym sdcmrm symrkmb

    mtmu hdefme odoju`m cmjmef `busus symrkmb.^X Jme` Symrkmb Omehkrk bmhkr sdjmfmk jme` ymef odef`aojkemsk`me khdmlksod

    usmbm hdefme eklmk-eklmk rabmek ymef odlmehmsk apdrmskeym. Bmroaek metmrm khdmlksod

    usmbm hme eklmk-eklmk rabmek keklmb ymef odeimhk smlmb smtu `dueffulme ^X Jme` Symrkmb

    Omehkrk sdjmfmk mltdremtkg imsm pdrjme`me hk Kehaedskm

    (bttp9//www.symrkmbomehkrk.ca.kh/cmtdfary/kega-pdrusmbmme).

    ^mhm Julme Mfustus :>>;, ^X. Jme` Symrkmb Omehkrk odoju`m smlmb smtu

    cmjmef pdojmetu hk @mj.Suojmwm. ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm odrupm`me jme` symrkmb pdrtmom ymef jdrhkrk hk `mjupmtde suojmwm. ^X.

    Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm odecajm odefdeml`me `aesdp

     pdrjme`me symrkmb `d omsymrm`mt hk @mjupmtde Suojmwm. Hdefme skstdo pdrjme`me

    ymef odefutmom`me `aesdp `domslmbmtme uetu` sdlurub omeuskm, skstdo jmru ymef

    hkjmwm hk tdefmb omsymrm`mt Suojmwm ymef eatmjded hkhaokemsk Tomt Ouslko, ^X.

    Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm hkbmrmp`me omopu odojmwm

    ‒mefke sdfmr‛ aldb omemidode ^X. Jme` Symrkmb Omehkrk pusmt, uetu` odopdr`umt

    komfd  ^X. Jme` Symrkmb Omehkrk sdjmfmk jme` symrkmb hk tdefmb rdmlktm omsymrm`mt

    ouslko Suojmwm, sdrtm tdetueym hmpmt odeimhk mfde pdeyuojmef pdekef`mtme lmjm

     pdrusmbmme.

    Hk mwml apdrmskaemlksmskeym, jdrhmsmr`me lmparme `dumefme m`bkr tmbue :>>;,

    ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm tdlmb omopu odoju`u`me msdt

    sdjdsmr Zp. ; O hdefme lmjm m`bkr tmbue sdjdsmr Zp.=.4 O. ^decmpmkme hk mwml

     pdrketksme ^X. Jme` Symrkmb Omehkrk hk @mj.Suojmwm kek hkmeffmp omemidode smmt ktucu`up odojmeffm`me. Hdefme odefmeut skstdo omemidode tdrjmtms emoue dgd`tkg,

    ^X.Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm ymef smmt mwml pdehkrkmeeym

    hkpkopkeme aldb Jmpm` Ouetmbm Ombguh tdlmb omopu odeimhk pdrbmtkme omemidode

    ^X.Jme` Symrkmb Omehkrk jmk` hk cmjmef omupue pusmt.

    Hdefme oahml `djdrbmsklme hk m`bkr tmbue :>>;, ^X.Jme` Symrkmb Omehkrk

    Cmjmef ^dojmetu Suojmwm tdrus odeueiu``me pdrjmk`me ymef skfekgk`me. Hmrk tmbue

    `d tmbue `kedrim `dumefme ymef hktueiu``me sdom`ke jmk`. Hmtm pdr m`bkr tmbue :>=:

    odeueiu``me ^X.Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm omopu odeimhk

     pdeyuojmef lmjm ymef cu`up jdsmr jmfk pdrusmbmme. Sdbkeffm ^X. Jme` Symrkmb

    Omehkrk Cmjmef ^dojmetu Suojmwm jdrbmskl odehuhu`k pdrkef`mt pdrtmom sd`mewkl

    hme odeimhk pdrkef`mt `dhum sdkehaedskm hdefme tatml msdt sdjdsmr Zp.67 oklkmr hmetatml lmjm jdrskb Zp. 4 oklkmr, jdrhmsmr`me ymef hksmopmk`me aldb `dpmlm cmjmef

     pdojmetu suojmwm hk garuo ham pmfk. Bml kek hk`mrdem`me strmtdfk omemidode ymef

    hktdtmp`me jmk` hmlmo bml pdehmemme, pdojkmymme omupue prahu` imsm pdrjme`me

    smefmt dgd`tkg hme dgkskde. @domiume ymef sdom`ke odojmk` ymef hktueiu``me aldb

    `umlktms `kedrim ^X.Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm kek tdlmb

    odoju`tk`me jmbwm `aesdp omemidode ymef tdpmt tdreymtm omopu odjdrk`me hmopm`

    ymef skfekgk`me jmfk sdjumb arfmeksmsk. Sdsumk ymef hkuef`mp`me Hkhke Bmgkhbuhhke

    hme Bdehrk Xmeiuef tdetmef omegmmt omemidode hmlmo prm`tk` pdrusmbmme.

    (Bmgkhbuhhke & Xmeiuef, :>>39 3)

    Jdrhmsmr`me pdefmomtme pdedlktk tdetmef rkwmymt `kedrim `dumefme ^X.Jme`

    Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm hmrk tmbue :>=> bkeffm :>=:, pdedlktk

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =6

    tdrharaef uetu` odeklmk `kedrim `dumefme ^X.Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm pmhm pdrkahd tmbue :>=> –  :>=:‛

    =.:.  Xuiume ̂ dedlktkmeMhmpue tuiume pdedlktkme kek mhmlmb uetu` odefdtmbuk `kedrim `dumefme ^X.

    Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm pdrkahd tmbue :>=>-:>=:.

    KK.  XKEIMTME ̂ TSXM@M

    :.=.  ^dedlktkme Sdjdluoeym=.

     

    Mwmlkmb gdjrkmek, Hkme. :>>2. Odlm`u`me pdedlktkme hdefme iuhul “^deklmkme

    @dsdbmtme ^X. Jme` Oumomlmt Kehaedskm Xj` Xrkwulme Omrdt-Iuek :>>2‟.

    Xuiume pdedlktkme kek mhmlmb uetu` odefdtmbuk pdefmrub tdrbmhmp `aehksk mtmu

    `kedrim sumtu jme` odlmluk pdeklmkme CMODLS  (Cmpktml, Msdt, Omemfdodet,

     Dmrekef, Lkqukhkty, Sdesktkvkty ta omr`dt rks`)  jme` uouo ymef odefmeut

     prkeskp symrkmb ourek.

    :.  Smputrm, Fbkemehrm. :>=3. Odlm`u`me pdedlktkme hdefme iuhul “Strmtdfk

    ^domsmrme ^rahu` Xmjuefme ^X. Jme` EXJ Xmbue :>>;-:>=:‟. Xuiume

     pdedlktkme kek mhmlmb uetu` odefdtmbuk mpm pdeydjmj sdtkmp tmbue tdrimhk

     pdekef`mtme hme pdeurueme iuolmb emsmjmb tdrbmhmp prahu` tmjuefme ^X.

    Jme` EXJ hmrk tmbue :>>;-:>=:.

    3.  Zuwmkhmb, Gktrk. :>==. Odlm`u`me ^dedlktkme hdefme iuhul “Memlksks Lmparme

    @dumefme uetu` Odeklmk Xkef`mt @dsdbmtme @dumefme pmhm J^Z Jme`

    @dlmtde. Xuiume pdedlktkme kek mhmlmb uetu` odefdtmbuk `djdrbmsklme Jme`

    J^Z @lmtde tdrbmhmp tkef`mt `dsdbmtme jme` hmlmo sumtu pdrkahd mpm`mbodecmpmk tmrfdt ymef tdlmb hktdtmp`me hdefme cmrm pdeklmkme CMODLS 

    (Cmpktml, Msdt, Omemfdodet, Dmrekef, Lkqukhkty, Sdesktkvkty ta omr`dt rks`). 

    :.:.  Lmehmsme Xdark

    :.:.=.  ^defdrtkme Jme` Symrkmb

    Hdgkeksk jme` symrkmb sdehkrk, ym`ek jme` uouo ymef odlm`smem`me `dfkmtme

    usmbm jdrhmsmr`me prkeskp symrkmb ymef hmlmo `dfkmtmeeym odojdrk`me imsm hmlmo lmlu

    lketms pdojmymrme. Odeurut ^dhaome M`uetmesk ^drjme`me Symrkmb Kehaedskm, jme`

    symrkmb mhmlmb jme` ymef jdrmsms`me metmrm lmke, pmhm msms `doktrmme, `dmhklme,

    trmespmrmesk, hme uekvdrsml sdrtm odlm`u`me `dfkmtme usmbm pdrjme`me jdrhmsmr`me

     prkeskp symrkmb (Kslmok).Hdgkeksk jme` symrkmb sdpdrtk ymef hkurmk`me hk mtms pmhm hmsmreym tkhm` jdrjdhm

    smtu smom lmkeeym. Hdgkeksk hk mtms odojdrk`me `dskopulme jmbwm jme` symrkmb mhmlmb

     jme` uouo ymef jdrhmsmr`me prkeskp Kslmo ymef odefbkopue hmem hme odojdrk`me

    `rdhkt sdrtm imsm-imsm lmke hmlmo lmlu lketms pdojmymrme.

    :.:.:.  Xdark @kedrim

    :.:.:.=.  ^defdrtkme @kedrim@kedrim odeurut Mewmr ^rmju Omef`uedfmrm (:>>> 9 76) mhmlmb bmskl `drim

    sdcmrm `umlktms hme `umetktms ymef hkcmpmk aldb sdsdarmef pdfmwmk hmlmo odlm`smem`me

    tufmseym sdsumk hdefme tmeffuef imwmj ymef hkjdrk`me `dpmhmeym.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =2

    @kedrim odrupm`me sumtu `aehksk ymef bmrus hk`dtmbuk hme hk`aegkromsk`me

    `dpmhm pkbm` tdrtdetu uetu` odefdtmbuk tkef`mt pdecmpmkme bmskl sumtu kestmesk

    hkbujuef`me hdefme vksk ymef hkdojme sumtu arfmeksmsk mtmu pdrusmbmme sdrtmodefdtmbuk hmopm` pasktkg hme edfmtkg hmrk sumtu `djkim`me apdrmskaeml.

    :.:.:.:.  Gm`tar-Gm`tar [mef Odopdefmrubk @kedrim

    Odeurut Zajdrt L. Omtbks hme Iabe B. Imc`sae (:>>= 9 2:) gm`tar-gm`tar ymef

    ododefmrubk `kedrim kehkvkhu tdemfm `drim, ymktu9 =. @domopume odrd`m, :. Oatkvmsk,

    3. Hu`uefme ymef hktdrkom, 8. @djdrmhmme pd`drimme ymef odrd`m lm`u`me, hme 4.

    Bujuefme odrd`m hdefme arfmeksmsk.

    :.:.:.3.  Xuiume ̂ deklmkme @kedrimOdeurut Symgmruhke Mlwk (:>>=9 =26) sdcmrm tdarktks tuiume pdeklmkme

    hk`mtdfark`me sdjmfmk sumtu ymef jdrskgmt dvmlumtkae hme hdvdlapodet ymef jdrskgmt

    dgmlumtkae bmrus odeydldsmk`me 9 =. Bmskl pdeklmkme hkfuem`me sdjmfmk hmsmr pdojdrkme

    `aopdesmsk :. Bmskl pdeklmkme hkfuem`me sdjmfmk stmggkef hdckskae 3. Bmskl pdeklmkme

    hkfuem`me sdjmfmk hmsmr odefdvmlumsk skstdo sdld`sk. Sdhmef`me ymef jdrskgmt

    hdvdlapodet pdeklmk bmrus odeydldsmk`me 9 =. ^rdstmsk rkkl ymef hkcmpmk kehkvkhu :.

    @dldombme- `dldombme kehkvkhu ymef odefbmojmt `kedrim 3. ^rdstmsk- pdstmsk ymef

    hk`dojmef`me.

    :.:.3.  Xdark @kedrim @dumefme

    :.:.3.=.  ^defdrtkme @kedrim @dumefme

    Odeurut Suckpta (:>>3) pdefdrtkme `kedrim `dumefme mhmlmb pdedetume u`urme-u`urme tdrtdetu ymef hmpmt odefu`ur `djdrbmsklme sumtu arfmeksmsk mtmu

     pdrusmbmmehmlmo odefbmskl`me lmjm. Sdhmef`me odeurut KMK (:>>6) @kedrim @dumefme

    mhmlmb `domopume pdrusmbmme hmlmo odefdlalm hme odefdehmlk`me suojdr hmym ymef

    hkoklk`keym.

    :.:.3.:.  ^defu`urme @kedrim @dumefme^defu`urme `kedrim hkfuem`me pdrusmbmme uetu` odlm`u`me pdrjmk`me hkmtms

    `dfkmtme apdrmskaemleym mfmr hmpmt jdrsmkef hdefme pdrusmbmme lmke. Memlksks `kedrim

    `dumefme odrupm`me prasds pdef`mikme sdcmrm `rktks tdrbmhmp rdvkdw hmtm, odefbktuef,

    odefu`ur, odefketdrprdstmsk, hme odojdrk salusk tdrbmhmp `dumefme pdrusmbmme pmhm

    sumtu pdrkahd tdrtdetu.@kedrim @dumefme

    :.:.8.  Memlksks Lmparme @dumefmeOdeurut Oubmoomh (:>>49 :42-:4;), memlksks lmparme `dumefme hklm`u`me

    hdefme odefmemlksks pasksk edrmcm hme lmparme lmjm rufk. Ideks memlksks lmparme

    `dumefme hmpmt hklm`u`me odlmluk : cmrm ymktu 9

    m.  ^drjmehkefme Ketdreml. Memlksks ymef odojmehkef`me rmska pdrkahd sd`mrmef

    hdefme pdrkahd omsm ymef lmlu hme ymef m`me hmtmef uetu` pdrusmbmme ymef smom.

     j.  ^drjmehkefme D`stdreml. Memlksks ymef hklm`u`me hdefme odojmehkef`me rmska

     pdrusmbmme hdefme pdrusmbmme lmke ymef sdideks hdefme rmtm-rmtm kehustrk pmhm smtu

    tktk` ymef smom.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 =;

    :.:.4.  Xd`ek` ̂ defu`urme @kedrim Jme`

    :.:.4.=.  Memlksks Zmska @dumefme

    Zmska `dumefme odrupm`me mef`m ymef hkpdraldb hmrk bmskl pdrjmehkefme smtu pas lmparme `dumefme hdefme pas lmkeeym ymef odopueymk bujuefme ymef rdldvme hme

    skfekgk`me. Zmska `dumefme m`me odeydhdrbmem`me kegaromsk ymef odeffmojmr`me

    bujuefme metmr lmparme `dumefme, sdbkeffm hdefme cdpmt hmpmt odojmehkef`me

    hdefme rmska lmke hme hmpmt odojdrk`me pdeklmkme.

    :.:.4.:.  Memlksks Jmlmecd Scardcmrh  Memlksks  Jmlmecd Scardcmrh  mhmlmb sd`uopulme u`urme `kedrim ymef odecm`up

    dopmt pdrspd`tkg 9 `dumefme, custaodr, prasds ketdreml jkseks, pdrtuojubme hme

     pdojdlmimrme. (@mplme, =;;: 932). Dopmt pdrspd`tkg hmlmo Jmlmecd Scardcmrh  odlkputk9

    ^drspd`tkg @dumefme, ^drspd`tkg ^dlmeffme, ^drspd`tkg ^rasds Ketdreml Jkseks, ^drspd`tkg

    ^drtuojubme hme ^dojdlmimrme.

    :.:.4.3.  Memlksks Dcaeaokc Wmlud Mhhdh  (DWM)  Dcaeaokc Wmlud Mhhdh   (DWM) mhmlmb u`urme `djdrbmsklme omemidode

     pdrusmbmme hmlmo odekef`mt`me eklmk tmojmb (vmlud mhhdh ) jmfk pdrusmbmme

    (Xmehdlklke, :>>= 9 =;8). DWM hkpdraldb hdefme ruous 9

    DWM   ? Lmjm jdrskb apdrmsk hk`urmefk pmim`  –   jdsmreym jkmym ouhml apdrmsk hmlmo

    rupkmb sdtdlmb hk`urmefk pmim`.

    DWM  ? P DJKX (=-pmim`)_ –  P(Oahml apdrmsk) (^drsdetmsd jkmym oahml sdtdlmb pmim`)_.

    KKK. ODXAHDLAFK ̂ DEDLKXKME

    3.=.  Ideks ̂ dedlktkmeIdeks pdedlktkme hmlmo pdedlktkme hds`rkptkg `umetktmtkg mhmlmb ^dedlktkme

    Hds`rkptkg jdrtuiume uetu` odehds`rkpsk`me mpm ymef smmt kek jdrlm`u. Hk hmlmoeym

    tdrhmpmt upmym odehds`rkpsk`me, odecmtmt, memlksks hme odefketdrprdstmsk`me `aehksk-

    `aehksk ymef sd`mrmef tdrimhk mtmu mhm (Omrhmlks, :>=>9:7).

    3.:.  Ideks HmtmMhmpue ideks hmtm ymef hkfuem`me hmlmo pdedlktkme kek mhmlmb odeffuem`me

    hmtm sd`uehdr, ym`ek odrupm`me hmtm ymef hkmojkl hmrk kestktusk tdrtdetu ymef tdr`mkt

    hdefme pdedlktkme. Hmtm sd`uehdr ymef hkmojkl metmrm lmke lmparme lmjm/rufk tmbue :>=>-:>=: hme lmparme edrmcm tmbue :>=>-:>=:. Sdodetmrm ktu, suojdr hmtm hmlmo pdedlktkme

    kek mhmlmb ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm.

    3.3.  Xd`ek` ̂ defuopulme Hmtm=.  Xd`ek` Ha`uodetmsk odrupm`me sumtu td`ek` pdefuopulme hmtm hdefme

    odefbkopue hme odefmemlksk ha`uode-ha`uode, jmk` ha`uode tdrtulks, fmojmr,

    omupue dld`traek`. Ha`uodetmsk tkhm` sd`dhmr odefuopul`me hme odeulks`me

    mtmu odlmpar`me hmlmo jdetu` `utkpme tdetmef sdiuolmb ha`uode, emoue ymef

    hklmpar`me mhmlmb bmskl memlksks tdrbmhmp ha`uode - ha`uode tdrsdjut.

    Mhmpue ha`uode ymef hkpdraldb hdefme odtahd kek mhmlmb 9

    =. 

    Lmparme Edrmcm pdrkahd Xmbue :>=> - :>=:

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :>

    :. 

    Lmparme Lmjm Zufk pdrkahd Xmbue :>=> - :>=:

    3.  Hmtm lmke ymef hkfuem`me ymktu sdimrmb hme fmojmrme uouo pdrusmbmme sdrtm

    stru`tur arfmeksmsk pdrusmbme.:.  Vmwmecmrm mhmlmb td`ek` pdefuopulme hmtm ymef odeffuem`me hmgtmr

     pdrtmeymme ymef hkmiu`me sdcmrm lksme `dpmhm rdspaehde (Eur Kehrkmetara, :>>:9

    =4:). Hmlmo bml pdedlktkme kek, wmwmecmrm hkfuem`me uetu` odopdraldb hmtm

    odefdemk omemidode uouo hme omemidode `dpmtubme.

    3.8.  Hdgkeksk Apdrmskaeml Wmrkmjdl=.

     

    Zmska Lk`ukhktms mhmlmb odeffmojmr`me `domopume sumtu pdrusmbmme uetu`

    ododeubk `dwmikjme gkemeskmleym ymef sdfdrm bmrus hkpdeubk. hkfuem`me

    odefu`ur `dodopume jme` odecmrk suojdr hmem uetu` odojkmymk `dfkmtme

     jme` mtmu mlmt u`ur uetu` odlkbmt `d`mymme jme` sdrtm odlkbmt dgkskdesk pkbm`

    omemidode jme`.

    m.  Cmsb Zmtka

    Cmsb rmtka  mhmlmb rmska ymef hkfuem`me uetu` odefu`ur `domopume jme`

    hmlmo odluemsk `dwmikjme ymef bmrus sdfdrm hkjmymr hdefme bmrtm lk`ukh ymef

    hkoklk`k jme` tdrsdjut.

     j. 

     Lame ta Hdpaskt Zmtka (LHZ)

     Lame ta Hdpaskt Zmtka  mhmlmb rmska ymef hkfuem`me uetu` odefu`ur

    `aopasksk iuolmb `rdhkt ymef hkjdrk`me hkjmehkef`me hdefme iuolmb hmem

    omsymrm`mt  ymef hkfuem`me.

    :.  Zmska Salvmjklktms mhmlmb odefu`ur `dodopume jme` odecmrk suojdr hmem

    uetu` odojkmymk `dfkmtme jme` mtmu mlmt u`ur uetu` odlkbmt `d`mymme jme` sdrtmodlkbmt dgkskdesk pkbm` omemidode jme`.

    3. 

    Zmska Zdetmjklktms mhmlmb odopdrlkbmt`me sdimub omem pdrusmbmme odefdlalm

    oahml sdehkrk sdcmrm dgd`tkg, odefu`ur tkef`mt `duetuefme hmrk kevdstmsk ymef

    tdlmb hklm`u`me aldb pdoklk` oahml sdehkrk mtmu pdodfmef smbmo .

    m.   Zdture ae Dqukty (ZAD)

     Zdture ae Dqukty  odrupm`me rmska ymef hkfuem`me uetu` odefu`ur

    `domopume omemidode jme` hmlmo odefdlalm cmpktml   ymef mhm uetu`

    odehmpmt`me edt kecaod.

     j. 

     Zdture ae Mssdt  (ZAM)

     Zdture ae Mssdt   hkfuem`me uetu` odefu`ur `domopume omemidode hmlmo

    odopdraldb pragktmjklktms hme omemidrkml dgkskdesk sdcmrm avdrmll.

    3.4.  ^rasdhur Memlksks HmtmXd`ek` Memlksks hmtm ymef hkfuem`me hmlmo pdedlktkme `kedrim `dumefme ^X.

    Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm mhmlmb td`ek` memlksm rmska. Mhm

     jdjdrmpm memlksm rmska sdrtm cmrm pdrbktuefme rmska `dumefme ymef hkfuem`me

    hkmetmrmeym sdjmfmk jdrk`ut9

    m.  Zmska Lk`ukhktmsZmska Lk`ukhktms odeffmojmr`me `domopume sumtu pdrusmbmme uetu` ododeubk

    `dwmikjme gkemeskmleym ymef sdfdrm bmrus hkpdeubk. hkfuem`me odefu`ur

    `dodopume jme` odecmrk suojdr hmem uetu` odojkmymk `dfkmtme jme` mtmu mlmt

    u`ur uetu` odlkbmt `d`mymme jme` sdrtm odlkbmt dgkskdesk pkbm` omemidode jme`.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :=

    =) 

    Cmsb Zmtka

    Cmsb rmtka odrupm`me rmska ymef hkfuem`me uetu` odefu`ur `domopume jme`

    hmlmo odluemsk `dwmikjme ymef bmrus sdfdrm hkjmymr hdefme bmrtm lk`ukh ymefhkoklk`k jme` tdrsdjut (@msokr,:>>29::8). Cmsb Zmtka hmpmt hkruous`me sdjmfmk

     jdrk`ut9

    :)   Lame ta Hdpaskt Zmtka (LHZ)

     Lame ta Hdpaskt Zmtka  odrupm`me rmska ymef hkfuem`me uetu` odefu`ur

    `aopasksk iuolmb `rdhkt ymef hkjdrk`me hkjmehkef`me hdefme iuolmb hmem

    omsymrm`mt hme oahml sdehkrk ymef hkfuem`me (@msokr,:>>29::4). Zmska kek

    hkruous`me sdjmfmk jdrk`ut9

    Xmjdl =.

    Bmskl ^deklmkme Mspd` Lk`ukhktms

    @rktdrkm Cmsb Zmtka LHZ

    Smefmt Sdbmt 5 4% < 64%

    Sdbmt 5 8,>4% - < 4% 64% - < 24%

    Cu`up Sdbmt 5 3,3>% - < 8,>4% 24% - < =>>%

    @urmef Sdbmt 5 :,44% - < 3,3>% =>>% - < =:>%

    Xkhm` Sdbmt < :,44% 5 =:>%

    Suojdr9 S@ HKZ JK Eaoar9 3>/=:/@D^/HKZ/tmeffml 3> Mprkl =;;6 tdetmef tmtm

    cmrm pdeklmkme tkef`mt `dsdbmtme jme`.

    j.  Salvmjklktms Salvmjklktms hkfuem`me odefu`ur `dodopume jme` odecmrk suojdr hmem uetu`

    odojkmymk `dfkmtme jme` mtmu mlmt u`ur uetu` odlkbmt `d`mymme jme` sdrtm odlkbmt

    dgkskdesk pkbm` omemidode jme`. Smlmb smtu cmrm odefdtmbuk tkef`mt salvmjklktms

    mhmlmb hdefme odeffuem`me Cmpktml Mhdqumcy Zmtka (CMZ). Cmpktml Mhdqumcy

     Zmtka  mhmlmb rmska `kedrim jme` uetu` odefu`ur `dcu`upme oahml ymef hkoklk`k

     jme` uetu` odeueimef m`tkvm ymef odefmehuef mtmu odefbmskl`me rdsk`a,

    oksmleym `rdhkt ymef hkjdrk`me. Zmska kek hmpmt hkruous`me sdjmfmk jdrk`ut9

    %=>>JarrawkefXdroSbart

    MssdtsLkqukh ?CZ    x

    %=>>DquktyHdpasktXatml

    lameXatml ?LHZ    x

    %=>>

     SdcurktkdsLamesXatml

     CmpktmlDqukty?CMZ    x

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 ::

    Xmjdl :.

    Bmskl ̂ deklmkme Mspd` Salvmjklktms

    @rktdrkm CMZ

    Smefmt Sdbmt 5 ;,;;;%

    Sdbmt 5 2% - < ;,;;;%

    Cu`up Sdbmt 5 6,;;;% - < 2%

    @urmef Sdbmt 5 7,4% - < 6,;;;%

    Xkhm` Sdbmt < 7,4%

    Suojdr9 S@ HKZ JK Eaoar9 3>/=:/@D^/HKZ/tmeffml 3> Mprkl =;;6 tdetmef tmtm

    cmrm pdeklmkme tkef`mt `dsdbmtme jme`

    c.  Zdetmjklktms

    ^ragktmjklktms odopdrlkbmt`me sdimub omem pdrusmbmme odefdlalm oahml sdehkrk

    sdcmrm dgd`tkg, odefu`ur tkef`mt `duetuefme hmrk kevdstmsk ymef tdlmb hklm`u`me

    aldb pdoklk` oahml sdehkrk mtmu pdodfmef smbmo (Smwkr, :>>4).

    =)   Zdture ae Dqukty (ZAD)

     Zdture ae Dqukty odrupm`me rmska ymef hkfuem`me uetu` odefu`ur `domopume

    omemidode jme` hmlmo odefdlalm cmpktml   ymef mhm uetu` odehmpmt`me edt

    kecaod (@msokr.:>>29:37). Zmska kek hkruous`me sdjmfmk jdrk`ut9

    :)   Zdture ae Mssdt  (ZAM)

     Zdture ae Mssdt   hkfuem`me uetu` odefu`ur `domopume omemidode hmlmo

    odopdraldb pragktmjklktms hme omemidrkml dgkskdesk sdcmrm avdrmll

    (@msokr,:>>29:36). Zmska kek hmpmt hkruous`me sdjmfmk jdrk`ut9

    Xmjdl 3.

    Bmskl ̂ deklmkme Mspd` Zdetmjklktms

    @rktdrkm ZAD ZAM

    Smefmt Sdbmt 5 =4% 5 =,4%

    Sdbmt < =:,4% - < =4% < =,:4% - < =,4%

    Cu`up Sdbmt < 4% - < =:,4% < >,4% - < =,:4%

    @urmef Sdbmt < >% - < 4% < >% - < >,4%

    Xkhm` Sdbmt < >% < >%

    Suojdr9 S@ HKZ JK Eaoar9 3>/=:/@D^/HKZ/tmeffml 3> Mprkl =;;6 tdetmef tmtm

    cmrm pdeklmkme tkef`mt `dsdbmtme jme`.

    %=>> MssdtsXatml

     tmxJdgardDmrekef ?ZAM   x

    %=>> CmpktmlDqukty

    kecaod Edt?ZAD   x

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :3

    KW.  MEMLKSKS HME ̂ DOJMBMSME

    8.=.  Hds`rkpsk Hmtm ̂ dedlktkme

    8.=.=. 

    @ms^mhm tmbue :>=> `ms ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm

    sdjdsmr Zp :.7=>.4:6.>>>,>>. Eklmk `ms tdrsdjut odeurue hktmbue :>== hdefme eklmk `ms

    Zp. =.>:8.>32.4>>,>> hme tmbue :>=: hdefme eklmk `ms Zp. =.482.26=.2>>.

    8.=.:.  @dwmikjme ymef Sdfdrm Hkjmymr

    ^mhm tmbue :>=> `dwmikjme ymef sdfdrm hkjmymr ^X. Jme` Symrkmb Omehkrk

    Cmjmef ^dojmetu Suojmwm mhmlmb sdjdsmr Zp 36.3>3.:;8,:=. @dwmikjme ymef sdfdrm

    hkjmymr tdrsdjut odekef`mt hktmbue :>== hdefme `dwmikjme ymef sdfdrm hkjmymr sdjdsmr

    Zp. ==4.=:4.;7;,:3 hme tmbue :>=: `dwmikjme ymef sdfdrm hkjmymr odeurue hktmbue

    :>== Zp. 84.2=626;,;:.

    8.=.3.  Hmem ̂ kbm` @dtkfm^mhm tmbue :>=> iuolmb H^@ ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm mhmlmb sdjdsmr Zp =;.78=.>=4.344,64. H^@ tdrsdjut odekef`mt hktmbue :>==

    sdjdsmr Zp. 3>.>8;.=26.:;4,62 hme tmbue :>=: sdjdsmr Zp. 83.7=7.64=.=7:,=3.

    8.=.8.  Xatml M`tkvm

    ^mhm tmbue :>=> tatml m`tkvm ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm mhmlmb sdjdsmr Zp :>.27=.=38.>:>,=>. M`tkvm tdrsdjut odekef`mt hktmbue

    :>== sdjdsmr Zp. 38.672.84:.84>,23 hme tmbue :>=: sdjdsmr Zp. 67.877.8:8.;7=,33.

    8.:.  Bmskl Memlksks hme ^dojmbmsme 

    8.:.=.  Zmska Lk`ukhktms

    8.:.=.=.  Cmsb Zmtka (CZ)

    Xmjdl 8.

    Bmskl Zd`mpktulmsk Eklmk Cmsb Zmtka (hmlmo iutmme) 

    @dtdrmefmeXmbue

    :>=> :>== :>=:@ms :.7== =.>:8 =.48;

    Surmt Jdrbmrfm - - -

    Iuolmb Cmsb Mssdt :.7== =.>:8 =.48;

    Fkra 37: 366 84;

    Xmjuefme =7.68> :8.:2> 36.887

    Skopmeme Jdrimef`m :.48> 4.3;3 4.6=:

    @dwmikjme Sdfdrm 36 ==4 87

    Iuolmb Butmef Lmecmr =;.762 3>.=78 83.773

    Suojdr9 Hmtm Hkalmb :>=3

    %=>>LmecmrButmefIuombl

    Msdt@msIuolmb?ZmtkaCmsb  x

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :8

    Cmsb Zmtka :>=> ? :.7==  x =>> % ? =3,:6 %

    =;.762Cmsb Zmtka :>== ? =.>:8  x =>> % ? 3,3; %

    3>.=78

    Cmsb Zmtka :>=: ? =.48;  x =>> % ? 8 %

    83.773 

    ^drbktuefme Cmsb Zmtka (CZ) Xmbue :>=>, :>==, hme :>=: hk`dtmbuk jdrmhm hk mtms

    stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm hk`mtm`me sdbmt hmrk sksk Cmsb Zmtka

    8.:.=.:.  Lame Xa Hdpaskt Zmtka (LHZ)

    Xmjdl 4.

    Bmskl Zd`mpktulmsk Eklmk LHZ (hmlmo iutmme)

    @dtdrmefme Xmbue

    :>=> :>== :>=:

    Iuolmb ̀ rdhkt ymef hkjdrk`me 3>.38: 7:.:36 68.=>6

    Fkra 37: 366 84;

    Xmjuefme =7.68> :8.:2> 36.887

    Skopmeme jdrimef`m :.48> 4.3;3 4.6=:

    Iuolmb hmem pkbm` `dtkfm =;.78= 3>.>8; 83.7=6

    Suojdr9 Hmtm Hkalmb :>=3

    ^drbktuefme  Lame ta Hdpaskt Zmtka (LHZ) hk tmbue :>=>,:>==, hme :>=: hkmtms

    hk`dtmbuk tdlmb odldjkbk hmrk eklmk om`skoml stmehmr Jme` Kehaedskm sdjdsmr 24% - =>>

    % ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm hmpmt hk`mtm`me

    tkhm` sdbmt hmrk sksk Lame ta Hdpaskt Zmtka.

    8.:.:.  Zdetmjklktms

    8.:.:.=.  Zdture Ae Mssdt (ZAM)

    %=>> @dtkfm^kbm`HmemIuombl

    hkjdrk`meyf@rdhkt?LHZ    x

    %82.=48%=>> =;.78=

    3>.38: ?:>=>LHZ     x

    %=:.:>6%=>> 3>.>8;

    7:.:36 ?:>==LHZ     x

    %;=.=7;%=>> 83.7=6

    68.=>6 ?:>=:LHZ     x

    %=>> m`tkvmXatml

     pmim` sdjdluoLmjm ?ZAM   x

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :4

    Xmjdl 7.

    Bmskl Zd`mpktulmsk Eklmk ZAM(hmlmo iutmme) 

    @dtdrmefmeXmbue

    :>=> :>== :>=:

    Lmjm @atar 3.2>> 2.6;; =:.863

    Xatml M`tkvm :>.27= 38.672 67.877

    Suojdr9 Hmtm Hkalmb :>=3

    ^drbktuefme Zdture ae Mssdt (ZAM) tmbue :>=>,:>==,hme :>=: hkmtms hk`dtmbuk jdrmhm

    hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm hk`mtm`me sdbmt hmrk sksk Zdture ae Mssdt.

    8.:.:.:.  Zdture Ae Dquk ty

    Xmjdl 6.

    Bmskl Zd`mpktulmsk Eklmk ZAD (hmlmo iutmme)

    @dtdrmefmeXmbue

    :>=> :>== :>=:

    Lmjm Jdrskb =.>8: 3.28= 2.4>4

    Oahml Sdehkrk =;.7:6 3>.>8> 83.7=6

    Suojdr9 Hmtm Hkalmb :>=3

    ^drbktuefme  Zdture ae Dqukty (ZAD) tmbue :>=>, :>==, hme :>=: hkmtms hk`dtmbuk

     jdrmhm hk mtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef

    ^dojmetu Suojmwm hk`mtm`me sdbmt hmrk sksk Zdture ae Dqukty.

    %::.=2%=>> :>.27=

    3.2>> ?:>=>ZAM  x

    %3=.:4%=>>

     38.672

    2.6;; ?:>==ZAM  x

    %3=.=7%=>>67.877

    =:.863 ?:>=:ZAM  x

    %=>>sdehkrkoahml jdrskbLmjm ZAD   x

    %3=.4%=>> =;.7:6

    =.>8: ?:>=>ZAD    x

    %6;.=:%=>> 3>.>8>

    3.28= ?:>==ZAD    x

    %4>.=;%=>>83.7=6

    2.4>4 ?:>=:ZAD    x

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :7

    8.:.3.  Salvmjklktms 

    Cmpktml Mhdqumcy Zmtka

    CMZ ? Oahml Jme` Odeurut Zdsk`a @rdhkt R =>>%

    M`tkvm Odeurut Zdsk`a @rdhkt

    Xmjdl 2.

    Bmskl Zd`mpktulmsk Eklmk CMZ  (hmlmo iutmme) 

    @dtdrmefmeXmbue

    :>=> :>== :>=:

    Oahml Jme` Odeurut Zdsk`a @rdhkt =;.7:6 3>.>8> 83.7=6

    Xatml ̂ dojkmymme 3>.38: 7:.:36 68.=>6

    Suojdr9 Hmtm Hkalmb :>=3

    CMZ :>=> ? =;.7:6 R =>>% ? 78.7;%

    3>.38:

    CMZ :>== ? 3>.>8> R =>>% ? 82.:6%

    7:.:36

    CMZ :>=: ? 83.7=6 R =>>% ? 42.27%

    68.=>6

    ^drbktuefme Cmpktml Mhdqumcy Zmtka  (CMZ) tmbue :>=>,:>==, hme :>=: hk`dtmbuk

     jdrmhm hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef^dojmetu Suojmwm hk`mtm`me sdbmt hmrk sksk Cmpktml Mhdqumcy Zmtka 

    Hmrk bmskl pdrbktuefme hmrk rmska hkmtms om`m hkhmpmt rd`mpktulmsk `dsdbmtme jme`

    S@ HKZ JK Eaoar9 3>/=:/@D^/HKZ/tmeffml 3> Mprkl =;;6 ymef hmpmt hklkbmt pmhm tmjdl

    hkjmwmb kek 9

    Xmjdl ;.

    Bmskl Zd`mpktulmsk @dsdbmtme ^X. Jme` Symrkmb Omehkrk Cmjmef

    ^dojmetu Suojmwm Xmbue :>=>-:>=:

    ZmskaZmtm-

    Zmtm

    Xmbue@dtdrmefme

    :>=> :>== :>=:Cmsb Zmtka 7,2;% =3,:6% 3,3;% 8% Smefmt Sdbmt

     Lame ta Hdpaskt Zmtka =66,>6% =48,82% :>6,=:% =7;,7= Xkhm` Sdbmt

     Zdture ae Mssdt =;.;4% =2,::% :4,3=% =7.3=% Smefmt Sdbmt

     Zdture ae Dqukty =:.43% 4,3=% =:,6;% =;.4>% Sdbmt

    Cmpktml Mhdqumcy Zmtka 46.:6% 78.7;% 82.:6% 42.27% Smefmt Sdbmt

    Suojdr 9 Hmtm Hkalmb :>=3

    Hmrk hmtm hkmtms pdrbktuefme rmtm-rmtm sdlmom tkfm pdrkahd uetu` tkfm rmska ymef

    tdrhkrk hmrk Cmsb Zmtka, Zdture ae Mssdt, hme Cmpktml Mhdqumcy Zmtka hkeymtm`me smefmt

    sdbmt. Bml kek jdrhmsmr`me hkomem bmskl rmtm-rmtm pdrbktuefme rmska sdlmom tkfm tmbue ^X.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :6

    Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm pdrkahd :>=>  –  :>=: ldjkb tkeffk

    hkjmehkef`me hdefme stmehmr Jme` Kehaedskm.

    Hmrk hmtm hkmtms pdrbktuefme rmtm-rmtm sdlmom tkfm pdrkahd uetu` smtu rmska ymktu Zdture Ae Dqukty hkeymtm`me sdbmt. Bml kek jdrhmsmr`me bmskl rmtm-rmtm pdrbktuefme rmska

    sdlmom tkfm tmbue ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm pdrkahd :>=>

     –  :>=: ldjkb tkeffk hkjmehkef`me hdefme stmehmr Jme` Kehaedskm.

    @douhkme hmrk hmtm hkmtms pdrbktuefme rmtm-rmtm sdlmom tkfm pdrkahd uetu` smtu

    rmska ymktu Lame ta Hdpaskt Zmtka hkeymtm`me tkhm` sdbmt. Bml kek jdrhmsmr`me bmskl rmtm-

    rmtm pdrbktuefme rmska sdlmom tkfm tmbue ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm pdrkahd :>=>  –   :>=: ldjkb tkeffk hkjmehkef`me hdefme stmehmr Jme`

    Kehaedskm.

    W.  @DSKO^TLME HME SMZME

    4.=. 

    @dskopulme=.  ^drbktuefme Cmsb Zmtka (CZ) sdcmrm rmtm-rmtm sdlmom tkfm pdrkahd hk`dtmbuk jdrmhm

    hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef

    ^dojmetu Suojmwm hk`mtm`me smefmt sdbmt.

    :.  ^drbktuefme  Lame ta Hdpaskt Zmtka (LHZ) sdcmrm rmtm-rmtm sdlmom tkfm pdrkahd

    hk`dtmbuk tdlmb odldjkbk hmrk eklmk om`skoml stmehmr Jme` Kehaedskm sdjdsmr 24%

    - =>> % ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm

    hmpmt hk`mtm`me tkhm` sdbmt. 

    3.  ^drbktuefme Zdture ae Mssdt (ZAM) sdcmrm rmtm-rmtm sdlmom tkfm pdrkahd hk`dtmbuk

     jdrmhm hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk

    Cmjmef ^dojmetu Suojmwm hk`mtm`me smefmt sdbmt.8.  Tetu`  Zdture ae Dqukty (ZAD) sdcmrm rmtm-rmtm sdlmom tkfm pdrkahd hk`dtmbuk

     jdrmhm hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk

    Cmjmef ^dojmetu Suojmwm hk`mtm`me sdbmt.

    4. 

    Cmpktml Mhdqumcy Zmtka (CMZ) sdcmrm rmtm-rmtm sdlmom tkfm pdrkahd hk`dtmbuk

     jdrmhm hkmtms stmehmr Jme` Kehaedskm ymef jdrmrtk ^X. Jme` Symrkmb Omehkrk

    Cmjmef ^dojmetu Suojmwm hk`mtm`me smefmt sdbmt.

    4.:.  Smrme=.

     

    Tetu` Cmsb Zmtka (CZ) hkbmrmp`me ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu

    Suojmwm ldjkb odekef`mt`me iuolmb mssdt odrd`m mfmr hmpmt odeimfm hmem

     pkbm` `dtkfm ymef tdrhkrk hmrk Xmjuefme, Skopmeme Jdrimef`m hme Fkra sdbkeffmodopdr`dckl rdsk`a `dbklmefme.

    :.  ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm pdrlu odopdrlmojmt

    `kedrimeym uetu` odeurue`me Lame ta Hdpaskt Zmtka (LHZ) bkeffm =>>% mfmr

    hmpmt hk`mtdfark`me sdbmt sdsumk stmehmr JK Eaoar 9 7/=>/^JK/:>>8.

    3.  ^deurueme eklmk Lame ta Hdpaskt Zmtka (LHZ) iufm hkjmrdefk hdefme odefurmefk

     pdojdrkme `rdhkt tdrutmom pmhm usmbm ok`ra hme `rdhkt pdfmwmk edfdrk `mrdem

    odefkefmt `rdhkt odrupm`me kehk`mtar `drmwmeme sumtu jme`.

    8.  ^X. Jme` Symrkmb Omehkrk Cmjmef ^dojmetu Suojmwm ldjkb odekef`mt`me

    `kedrimeym uetu` tmbue  –   tmbue `dhdpme `mrdem odefkefmt pdrsmkefme kehustrk

     pdrjme`me ldjkb `dtmt.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :2

    4. 

    Hkbmrmp`me `rdhkt ymef hk`dlalm hme hkjdrk`me ldjkb tdpmt smsmrme tdrutmom pmhm

    usmbm ok`ra hme usmbm `dckl sdbkeffm pdojmefueme hmpmt hkrmsm`me hmopm`eym

     jmfk omsymrm`mt `dckl.

    HMGXMZ ̂ TSXM@M

    Mesbark, Mjhul  Fbagur .  :>>6.  ^drjme`me Symrkmb hk Kehaedskm. TFO ^rdss,

    [afym`mrtm.

    Jme` Kehaedskm. =;;3. Xdetmef @umlktms M`tkvm ^rahu`tkg hme ^dojdetu`me ^deykskbme M`tkvm ^rahu`tkg .

    Oubmoomh. :>>4. ^defmetmr M`uetmesk Symrkmb. Smldojm Dopmt, Im`mrtm.

    Omrhmlks. :>=>. Odtahd ^dedltkme, Sumtu ^dehd`mtme ^rapasml. Juok M`smrm, Im`mrtm.

    ^drmturme Jme` Kehaedskm Ea.7/=>/^JK/:>>8. Xdetmef Stmehmr Xkef`mt @dsdbmtme Jme`

    Touo.

    Surmt Dhmrme Jme` Kehaedskm Ea. ;/:8/H^jS/:>>6. Xdetmef Skstdo ^deklmkme Xkef`mt

     @dsdbmtme Jme` Touo Jdrhmsmr`me ^rkeskp Symrkmb.

    S@ HKZ JK Eaoar9 3>/=:/@D^/HKZ/tmeffml 3> Mprkl =;;6. tdetmef tmtm cmrm pdeklmkme

    tkef`mt `dsdbmtme jme`  

    Bmgkhbuhhke & Xmeiuef. :>>3.  Omemidode Symrkmb Hmlmo ^rm`tk` . Fdom Kesmek,

    Im`mrtm.

    bttp9//kh.scrkjh.cao/hac/:=;86>82/2/Odtahd-^defu`urme-@kedrim-@dumefme-

    ^drusmbmme. Zmbome Bm`ko.:>>7.

    bttp9//www.symrkmbomehkrk.ca.kh/cmtdfary/kega-pdrusmbmme

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 :;

    MEMLKSKS @AEXZKJTSK ZDXZKJTSK KYKE ^DEFMOJKLME BMSKL BTXME

    @M[T HME BMSKL BTXME JT@ME @M[T XDZBMHM^ ^DEHM^MXME MSLK

    HMDZMB @MJT^MXDE STOJMVM JMZMX XMBTE :>>2-:>=:

    Aldb 9

    Iabek Mrhkymesymb

    MJSXZM@SK

     ^dedlktkme kek hklm`u`me pmhm Hkems ^dehmpmtme hme ^defdlalmme @dumefme (H^^@)

     @mjupmtde Suojmwm ymef hkga`us`me hmlmo bml ^defmrub Fmik Xdrbmhmp @aesuosk

     ^dfmwmk Edfdrk Skpkl hdefme iuolmb ajyd` pdedlktkme ;8 Armef ^dfmwmk tdrhkrk hmrk 0

    ;: pdrsaekl ^dfmwmk Edfdrk Skpkl hme : armef C^ES. Mhmpue hmrk tkef`mt falaefmeeym ^dfmwmk hklkef`up H^@M ymktu 9 3 armef Falaefme KW, 84 armef Falaefme KKK, 84

    armef Falaefme KK hme = armef Falaefme K. Hdefme msuosk jmbwm sdlurub fmik

     pdfmwmk mhmlmb pdehmpmtme sdpdrtk ymef tdrtdrm pmhm hmgtmr fmik ymef smb hme skmp

    hkjdlmeim`me hme vmrkmjdl d`aeaok hmdrmb sdpdrtk pdrtuojubme d`aeaok, keglmsk hme

    lmkeeym sdlmom pdrkahd pdedlktkme hkmeffmp `aestme. Bmskl memlksks pdeulks tdrbmhmp

    hmtm mtmu kegaromsk rdspaehde hdefme lmtmr jdlm`mef tkef`mt falaefme jdrjdhm hme

    hmgtmr fmik pdfmwmk sdrtm pragkl H^^@ hmpmt hktmrk` bujuefme metmrm fmik pdfmwmk

    hdefme tkef`mt `aesuosk, jmbwm iuolmb fmik pdfmwmk jdrjmehkef lurus hdefme jdsmrme

    `aesuosk mrtkeym fmik pdfmwmk jdrpdefmrub pasktkg hme skfekgk`me tdrbmhmp `aesuosk.

     Hk`mtm`me jdrpdefmrub `mrdem mpmjklm fmik jdrtmojmb =%, om`m `aesuosk pue m`me

    jdrtmojmb sdjdsmr >,2;%. Bml kek sdimlme hdefme tdark @dyeds tdetmef

    “`dcdehdruefme odef`aesuosk omrikeml (O^C)‟. Hme  hk`mtm`me fmik jdrpdefmrub

     sdcmrm skfekgk`me tdrbmhmp `aesuosk.

    @mtm @ueck9 Fmik , @aesuosk, ̂ defmrub. 

    K.  ^DEHMBTLTME

    =.=.  Lmtmr Jdlm`mef^dojmefueme hk sumtu hmdrmb hkom`suh`me uetu` odojmefue omsymrm`mt

    sdutubeym, uetu` ktu hkbmrmp`me pdojmefueme tdrsdjut tkhm` bmeym odefdimr `domiume

    hmdrmb smim, m`me tdtmpk odecm`up `dsdlurubme mspd` `dbkhupme omsymrm`mt ymef hmpmt

     jdrimlme sdrmsk hme sdkojmef hk sdfmlm jkhmef hmlmo rmef`m odeckptm`me omsymrm`mt

    mhkl hme om`our ymef odrmtm omtdrkl hme spkrktuml. ^dojmefueme Emskaeml hme

    ^dojmefueme Hmdrmb sdsueffubeym odeimhk tmeffuef imwmj wmrfm edfmrm hme

    omsymrm`mteym. @mktmeeym hdefme pdojmefueme hmdrmb hmlmo rmef`m ataeaok hmdrmb,

     pdehmpmtme hmdrmb odeimhk smefmt pdetkef `mrdem hmpmt odekef`mt`me tmrmg bkhup hme

    `dsdimbtdrmme omsymrm`mt. Hdefme pdojmefueme hmdrmb ymef sdrmsk hme tdrpmhu

    hksdrtmk pdrdecmemme pdojmefueme ymef jmk`, dgkskde hme dgd`tkg om`m m`me tdrckptm

    `domehkrkme hmdrmb hme `domiume ymef odrmtm hksdlurub wklmymb Kehaedskm.^dlm`smemme pdojmefueme hk hmdrmb smefmt tdrfmetuef hmrk pdehmpmtme mslk hmdrmb sdrtm

     pdefdlalmme hmdrmb ktu sdehkrk.

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 3>

    Xuiume emskaeml `djkim`me hdsdetrmlksmsk hk sd`tar `dbutmeme mhmlmb uetu`

    odojmetu odopdr`umt pdrd`aeaokme hmdrmb hme odekef`mt`me dgkskdesk, dgd`tkvktms,

    hme m`uetmjklktms pdefdlalmme butme. Tehmef-uehmef tdetmef ^drkojmefme @dumefmeMetmrm ^dodrketmb ^usmt hme Hmdrmb odeymtm`me jmbwm pdedrkomme hmdrmb jdrsuojdr

    hmrk ^dehmpmtme Mslk Hmdrmb (^MH), Hmem ^drkojmefme, ^keimome Hmdrmb hme “Lmke -

    lmke pdedrkomme ymef smb‟. Sdsumk hdefme pdrmturme pdruehmefme, pdodrketmb hmdrmb

    odefdlumr`me pdrmturme hmdrmb fuem odefmtur Kzke pdefusmbmme `myu. @dpmlm Hmdrmb

    hmpmt pulm odefdlumr`me prahu` bu`uo jdrupm `dputusme-`dputusme ymef

     pdojdrlm`umeeym tkhm` odlmluk pdrsdtuiume Hdwme ^drwm`klme Zm`ymt Hmdrmb (H^ZH).

    Smlmb smtu `aopaede ^dehmpmtme Mslk Hmdrmb ymef odojdrk`me suojmefme

    cu`up jdsmr jmfk pdedrkomme hmdrmb hkjmehkef`me hdefme `aopaede lmkeeym mhmlmb

    Zdtrkjusk hmdrmb. Hdefme hkjdrlm`u`meeym ataeaok hmdrmb hkbmrmp`me pdodrketmb

    hmdrmb ldjkb omehkrk sdcmrm gks`ml uetu` odojkmymk pdojmefueme omupue odefdlalm

     pdodrketmbme jdsdrtm mpmrmtureym. Jdfktu iufm hdefme @mjupmtde Suojmwm Jmrmt ymef

    tdromsu` hmdrmb ataeaok jmru bmrus omopu odeffmlk pdlumef hk hmdrmbeym hdefme

    odefkhdetkgk`msk suojdr-suojdr pdehmpmtmeeym hme odefdlalmeym hdefme aptkoml,

    odefdlalm `dumefme hmdrmb sdcmrm dgd`tkg hme dgkskde, sdrtm omopu

    odopdrtmeffuefimwmj`me `kedrim `dpmhm pdodrketmb hkmtmseym hme `dpmhm

    omsymrm`mt.

    Hmrk jdrjmfmk Zdtrkjusk ymef hkpuefut, Zdtrkjusk Kzke ^defmojklme Bmskl Butme

    @myu hme Bmskl Butme Ju`me @myu jksm hkimhk`me sdjmfmk smlmb smtu suojdr

     pdedrkomme hmdrmb ymef patdeskml. Zdtrkjusk Kzke ^defmojklme Bmskl Butme @myu hme

    Bmskl Butme Ju`me @myu odrupm`me suojdr pdedrkomme Zdtrkjusk hmdrmb ymef

     patdeskml mpmjklm hk`dlalm sdcmrm aptkoml. ^defdlalmme tdrsdjut tdetueym jdrhmopm` pasktkg tdrbmhmp ^dehmpmtme Hmdrmb jmk` sdcmrm lmefsuef odlmluk ^dehmpmtme Mslk

    Hmdrmb omupue sdcmrm tkhm` lmefsuef odlmluk hmem Jmfk Bmskl hmrk ^dodrketmb ^usmt.

    Sdjmfmk fmojmrme `aehksk ^dehmpmtme Hmdrmb @mjupmtde Suojmwm Jmrmt, jdrk`ut

    hksmik`me tmjdl prayd`sk ^dehmpmtme Hmdrmb @mjupmtde Suojmwm Jmrmt Xmbue

    Meffmrme :>=:9

    Xmjdl =.

    ^rayd`sk ^dehmpmtme Hmdrmb @mjupmtde Suojmwm Jmrmt

    Xmbue Meffmrme :>=: 

    EA. TZMKME ITOLMB (Zp)

    =.^dehmpmtme Mslk Hmdrmb

    ^dehmpmtme ^mim` Hmdrmb

    -  ^dehmpmtme Zdtrkjusk Hmdrmb

    Bmskl ^defdlalmme @d`mymme Hmdrmb [mef

    Hkpksmb`me

    -  Lmke-Lmke ^dehmpmtme Mslk Hmdrmb [mef Smb

    ;2.=:>.36;.>>>,-

    =8.>>>.>>>.>>>,-

    :.48=.4>>.>>>,-

    83.4;8.:6;.>>>,-

    36.;28.7>>.>>>,-

    :. Hmem ̂ dr kojmefme- 

    Jmfk Bmskl ^mim`/Jmfk Bmskl Ju`me ^mim`

    -  Hmem Mla`msk Touo

    Hmem Mla`msk @busus

    838.332>;:.>>>,-

    =87.34:.3>>.>>>,-

    :4;.338.>::.>>>,-

    :2.74=.66>.>>>,-

    3. Lmke -Lmke ̂ dehmpmtme Hmdrmb [mef Smb 48.43:.632.>>>,-

    Suojdr 9 Hkems ^^@H @mjupmtde Suojmwm Jmrmt, :>=3

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 3=

    Hmrk patdesk tdrsdjut pdedlktk jdrom`suh odef`mik ldjkb hmlmo tdetmef Zdtrkjusk

    Kzke ^defmojklme Bmskl Butme @myu hme Bmskl Butme Ju`me @myu kek hdefme odefmcu

     pmhm Zdmlksmsk M^JH @mjupmtde Suojmwm Jmrmt hmrk tmbue :>>2 smopmk tmbue :>=:`mrdem Zdtrkjusk Kzke ^defmojklme Bmskl Butme @myu hme Bmskl Butme Ju`me @myu

    odrupm`me jmfkme hmrk ^dehmpmtme Mslk Hmdrmb ymef tdromsu` hmlmo `lmskgk`msk

    Zdtrkjusk Kzke tdrtdetu. Zdtrkjusk tdrsdjut hktkehm`lmeiutk hdefme tdrjkteym ^drmturme

    Hmdrmb Eaoar =4 tmbue :>>6 tdetmef Zdtrkjusk Kzke Tsmbm hme Kzke ^defmojklme Bmskl

    Butme @myu hme Bmskl Butme Ju`me @myu.

    Jdrhmsmr`me lmtmr jdlm`mef omsmlmb tdrsdjut hkmtms, hmlmo pdeulksme s`rkpsk kek

     pdeulks odefmojkl iuhul “Memlksks @aetrkjusk Zdtrkjusk Kzke ^defmojklme Bmskl Butme

    @myu hme Bmskl Butme Ju`me @myu Xdrbmhmp ^dehmpmtme Mslk Hmdrmb @mjupmtde

    Suojmwm Jmrmt Xmbue :>>2 –  :>=:‟. 

    =.:. 

    Xuiume ̂ dedlktkmeXuiume pdedlktkme kek mhmlmb uetu` odefdtmbuk sdjdrmpm jdsmr tkef`mt `aetrkjusk

    Zdtrkjusk Kzke ^defmojklme Bmskl Butme @myu hme Bmskl Butme Ju`me @myu tdrbmhmp

     pdehmpmtme mslk hmdrmb @mjupmtde Suojmwm Jmrmt sdlmom tmbue :>>2-:>=:.

    KK.  XKEIMTME ̂ TSXM@M

    :.=.  ^dedlktkme Sdjdluoeym

    =.  Ourlme (:>=>). odlm`u`me pdedlktkme tdetmef ^defmrub Zdtrkjusk ^mr`kr Xdrbmhmp

    ^dehmpmtme Mslk Hmdrmb (^MH) hk @mjupmtde Skhamria. ^dedlktkme kek jdrtuiume

    uetu` odefdtmbuk mpm`mb mhm pdefmrub Zdtrkjusk pmr`kr tdrbmhmp ^dehmpmtme Mslk

    Hmdrmb pmhm Hkems ^dehmpmtme @mjupmtde Skhamria. Jdrhmsmr`me hmrk bmskl pdedlktkme ymef hkalmb hdefme odeffuem`me rdfrdsk lkekdr sdhdrbmem hdefme

     jmetume ^rafrmo S^SS gar wkehaws =:.>, ymef odeueiu``me jmbwm eklmk

    `aestmetm ymef hkbmskl`me sdjdsmr =36.7>3.26;.:>>,>:8. Eklmk kek odeueiu``me

     jdsmreym eklmk hmrk pdehmpmtme mslk hmdrmb ([), sdhmef`me hmlmo `adgkskde rdfrdsk

     pmhm vmrkmjdl Zdtrkjusk pmr`kr (R) mpmjklm emk` smtume, om`m ^dehmpmtme Mslk

    Hmdrmb ([) m`me emk` sdjdsmr =3,:76. Jdrhmsmr`me eklmk `adgkskde hdtrokemsk (Zº)

    ymktu sdjdsmr >,6:4 ymef jdrmrtk Zdtrkjusk pmr`kr (R) omopu odopdefmrubk

     pdehmpmtme mslk hmdrmb ([) sdjdsmr 6:,4% sdhmef`me sksmeym :6,4% hkpdefmrubk

    aldb vmrkmjdl lmke ymef tkhm` hkjmbms hmlmo pdedlktkme kek ymef jdrmsml hmrk

    suojdr-suojdr `dumefme hmdrmb sdpdrtk 9 pmim` hmdrmb, Zdtrkjusk hmdrmb hme lmke-

    lmke.:.  Symgruhke (:>>:), odlm`u`me pdedlktkme tdetmef “^drmeme ^atdesk Zdtrkjusk ^msmr

    Sdjmfmk Suojdr ^dehmpmtme Mslk Hmdrmb hk @mjupmtde Sldome“.  Bmskl memlksks

    odeueiu``me jmbwm jdsmreym `aetrkjusk Zdtrkjusk pmsmr tdrbmhmp ^dehmpmtme

    Mslk Hmdrmb (^MH) hk @mjupmtde Sldome tmbue meffmrme =;;4/=;;7 smopmk

    =;;;/:>>>, sdlmom lkom tmbue tdrm`bkr pdrmeme Zdtrkjusk pmsmr hk @mjupmtde

    Sldome odefmlmok pdeurueme hmrk tmbue meffmrme =;;4/=;;7 ymef odeyuojmef

    2,=; pdrsde odeimhk 4,=8 pdrsde pmhm tmbue meffmrme =;;;/:>>>, hdefme rmtm-rmtm

    Zdtrkjusk pmsmr odeyuojmef tdrbmhmp ^dehmpmtme Mslk Hmdrmb sdjdsmr 7,:7

     pdrsde. Ik`m hklkbmt hmrk patdesk ymef mhm om`m rdmlksmsk ymef tdlmb hkcmpmk hdefme

    omemidode pdouefutme Zdtrkjusk pmsmr ymef tdlmb hklm`u`me hmrk tmbue

    =;;4/=;;7 mhmlmb sdjdsmr Zp. =.=2;.>34.:2>,- uetu` tmbue meffmrme =;;7/=;;6

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    Iureml D`aeaok hme Jkseks, Iklkh 8 Eaoar 8, Hdsdojdr :>=3 3:

    mhmlmb sdjdsmr Zp. =.::=.;=4.:74,-, ymef jdrmrtk odekef`mt sdjdsmr :,67 pdrsde

    hmrk tmbue meffmrme sdjdluoeym. Tetu` tmbue meffmrme =;;6/=;;2 mhmlmb sdjdsmr

    =.3=7.=28.;7> ymef jdrmrtk odekef`mt sdjdsmr 6,6= pdrsde hmrk tmbue meffmrmesdjdluoeym. Tetu` tmbue meffmrme =;;2/=;;; mhmlmb sdjdsmr Zp. =.378.>4=.72>,-

    ymef jdrmrtk odekef`mt sdjdsmr 3,73 pdrsde hmrk tmbue meffmrme sdjdluoeym.

    Tetu` tmbue meffmrme =;;;/:>>> mhmlmb sdjdsmr Zp. =.8=4.=77.722,- ymef jdrmrtk

    odekef`mt sdjdsmr 3.68 pdrsde hmrk tmbue meffmrme sdjdluoeym.

    3.  Vkjksaea (:>>6), “Memlksks @aetrkjusk Zdtrkjusk Xdrokeml ^deuopmef Xdrbmhmp

    ^dehmpmtme Mslk Hmdrmb @mjupmtde Luomimef Xmbue :>>> –  :>>8“. Bmskl memlksks

    odeueiu``me `aetrkjusk Zdtrkjusk tdrokeml pdeuopmef tdrbmhmp pdehmpmtme mslk

    hmdrmb (^MH) @mjupmtde Luomimef tmbue :>>> smopmk hdefme :>>8 omskb jdluo

    om`skoml. @aetrkjusk Zdtrkjusk tdrokeml pdeuopmef pmhm `urue wm`tu lkom tmbue

    tdrsdjut tdrus odefmlmok pdeurueme. ^mhm tmbue :>>> mef`m `aetrkjusk sdjdsmr

    :,34% hme tdrus odeurue pmhm tmbue :>>8 sdjdsmr >,72%. Zmtm-rmtm `aetrkjusk

    Zdtrkjusk tdrokeml pdeuopmef tdrbmhmp pdehmpmtme mslk hmdrmb mhmlmb sdjdsmr

    =,67%

    :.:.  LMEHMSME XDAZK

    :.:.=.  ^dehmpmtme Hmdrmb^drmturme Odetdrk Hmlmo Edfdrk Eaoar =3 Xmb