Jbss`f 2.

;5 Iktbo`rnbs `h Nftbrvbftn`f
Jbss`f 2.75 Bvkjuktn`f
Jbss`f 2.95 S``js `h ]ugjni Abkjta Fursb
Jbss`f 2.35 Sypbs `h Hklnjy Fursb I`ftkit
Jbss`f 2.25 Nftbr ]r`hbssn`fkj Ikrb nf tab I`llufnty
◀ Sab fursnfo ikrb pjkf h`iusbs `f kitn`fs
wania krb cbsnofbc t` s`jvb `r lnfnlnzb
bxnstnfo pr`gjbl.
◀ Sab fursnfo ikrb pjkf ns k pr`cuit `h k
cbjngbrktb systblktni pr`ibss. Sab fursnfo
ikrb pjkf, ks wnta kjj pjkfs, rbjktbs t` tab
huturb. ...
◀ Sab fursnfo ikrb pjkf ns gksbc up`f
ncbftn﬋bc abkjta kfc fursnfo pr`gjbls.
❀ Sab stbp wabf tab hklnjy kfc/`r tab
fursb bxbiutb tab pjkf `h kitn`f.
❀ Ns cbtbrlnfbc gy tab lutukjjy korbbc
up`f o`kjs kfc `gebitnvbs kfc tab
sbjbitbc i`ursbs `h kitn`f
❘ Hklnjy rbjktbc5
➧ Kpktay
➧ Nfcbinsn`f
❘ Fursb rbjktbc5 fursb„s gbakvn`r suia ks5
➧ Nlp`snfo ncbks
➧ Fboktnvb jkgbjnfo
➧ @vbrj``dnfo hklnjy strbfotas, kfc
➧ Fbojbitnfo iujturkj kfc obfcbr nlpjniktn`fs `h
hklnjy nftbrvbftn`fs (Hrnbclkf ;>>1)
 Kf nftbrvbftn`f ns s`lbtanfo takt i`lbs gbtwbbf tw` tanfos `r
s`lbtanfo takt iakfobs tab i`ursb `h s`lbtanfo. Nt ikf gb k
i`lgnfktn`f `h pr`orkl bjblbfts `r strktbonbs cbsnofbc t` pr`cuib
gbakvn`r iakfobs `r abkjta stktus nf tab kl`fo nfcnvncukjs `r nf tab
hklnjy `r kf bftnrb p`pujktn`f. Nftbrvbftn`fs lky nfijucb bcuiktn`f
pr`orkls, fbw `r str`fobr p`jninbs, nlpr`vblbft nf tab
bfvnr`flbft `r k abkjta pr`l`tn`f iklpknof. Cbpbfcnfo `f tab
fbbcs ks wbjj ks tab o`kjs kfc `gebitnvbs `h tab ncbftn﬋bc hklnjy,
nftbrvbftn`f `r nftbrvbftn`fs lky rkfob hr`l snlpjb `r nllbcnktb
t` i`lpjniktbc `r pr`j`fobc.
;. Yuppjblbftkj nftbrvbftn`fs ’ kitn`fs takt tab fursb pbrh`rls
nf gbakjh `h tab hklnjy wabf nt ns ufkgjb t` c` tanfos h`r ntsbjh
Bx5 ]r`vncnfo cnrbit fursnfo ikrb t` k snid lblgbr `h tab hklnjy
7. Hkinjntktnvb nftbrvbftn`fs ’ kitn`fs takt rbl`vbs gkrrnbrs t`
kppr`prnktb abkjta kitn`f.
Bx5 Kssnstnfo tab hklnjy t` kvknj `h lktbrfkj kfc ianjc ikrb sbrvnibs
9. Cbvbj`plbftkj nftbrvbftn`fs ’ knl t` nlpr`vb tab ikpkinty `h
tab hklnjy t` pr`vncb h`r nts `wf abkjta fbbc.
;. Kssnst `r abjp tab hklnjy rbi`ofnzb tab pr`gjbl
7. Ouncb tab hklnjy `f a`w t` cbincb `f kppr`prnktb abkjta kitn`fs t` tkdb
9. Cbvbj`p tab hklnjy„s kgnjnty kfc i`llntlbft t` pr`vncb fursnfo ikrb t`
nts lblgbrs.
3. Bfakfib tab ikpkgnjnty `h tab hklnjy t` akvb k a`lb bfvnr`flbft
i`fcuinvb t` o``c abkjta lknftbfkfib
2. Hkinjntktb tab hklnjy„s ikpkgnjnty t` utnjnzb i`llufnty rbs`uribs h`r
abkjta ikrb.
k. Kssnst `r abjp tab hklnjy rbi`ofnzb tab pr`gjbl.
Bxklpjbs `h fursnfo nftbrvbftn`fs t` bfakfib tab hklnjy„s kgnjnty t` rbi`ofnzb
nts abkjta fbbcs kfc pr`gjbls nfijucb5
◀ Nfirbksnfo tab hklnjy„s df`wjbcob `f fkturb, lkofntucb kfc ikusb `h tab
pr`gjbl.
◀ Abjpnfo tab hklnjy sbb tab nlpjniktn`fs `h tab sntuktn`f `r tab i`fsbqubfibs
`h tab sntuktn`f.
◀ Wbjktnfo abkjta fbbcs t` tab abkjta kfc f`f-abkjta o`kjs `h tab hklnjy.
◀ Bfi`urkonfo p`sntnvb bl`tn`fkj kttntucb t`wkrc tab pr`gjbl gy k﬉rlnfo tab
hklnjy„s ikpkgnjntnbs kfc pr`vncnfo nfh`rlktn`f `f kvknjkgjb `ptn`fs.
g. Ouncb tab hklnjy `f a`w t` cbincb `f kppr`prnktb abkjta kitn`fs t` tkdb.
Sans ikf gb c`fb tar`uoa5
◀ Ncbftnhynfo kfc cnsiussnfo wnta tab hklnjy tab i`ursbs `h kitn`f kvknjkgjb
kfc tab rbs`uribs fbbcbc h`r bkia
◀ Cnsiussnfo tab i`fsbqubfibs `h bkia i`ursb `h kitn`f
◀ Kfkjyznfo wnta tab hklnjy tab i`fsbqubfibs `h nfkitn`f
i. Cbvbj`p tab hklnjy„s kgnjnty kfc i`llntlbft t` pr`vncb fursnfo ikrb t`
nts lblgbrs.
Sab fursb ikf nfirbksb tab hklnjy„s i`f﬋cbfib nf pr`vncnfo fursnfo ikrb t` nts
snid, cnskgjbc kfc cbpbfcbft lblgbr tar`uoa cbl`fstrktn`f kfc prkitnib
sbssn`fs `f pr`ibcurbs, trbktlbft `r tbiafnqubs usnfo rbkcnjy kvknjkgjb lktbrnkjs,
bqunplbft kfc `tabr rbs`uribs.
c. Bfakfib tab ikpkgnjnty `h tab hklnjy t` akvb k a`lb bfvnr`flbft
i`fcuinvb t` o``c abkjta lknftbfkfib.
Sab fursb ikf tbkia `r cbl`fstrktb t` tab hklnjy i`lpbtbfinbs `r stbps t`
akvb k abkjtay kfc a`lb bfvnr`flbft tar`uoa bfvnr`flbftkj l`cn﬋iktn`fs `r
lkfkoblbft t` bjnlnfktb `r lnfnlnzb abkjta tarbkts.
b. Hkinjntktb tab hklnjy„s ikpkgnjnty t` utnjnzb i`llufnty rbs`uribs h`r
abkjta ikrb.
Sans nfv`jvbs usb `h kvknjkgjb rbs`uribs tar`uoa i``rcnfktn`f, i`jjkg`rktn`f,
kfc tbklw`rd.
◀ ]r`l`tnvb ’tbfcnfo `r sbrvnfo t` pr`l`tb lbksurbs pr`l`tnvb `h o``c
abkjta.
◀ ]rbvbftnvb ’ k lbcninfb `r `tabr trbktlbft cbsnofbc t` st`p cnsbksb `r njj
abkjta hr`l `iiurrnfo.
◀ Iurktnvb ’ rblbcy
◀ Wbakgnjntktnvb ’ Abkjta ikrb sbrvnibs takt abjp y`u dbbp, obt gkid, `r
nlpr`vb sdnjjs kfc hufitn`fnfo h`r cknjy jnvnfo takt akvb gbbf j`st `r nlpknrbc
gbikusb y`u wbrb snid, aurt, `r cnskgjbc. Sabsb sbrvnibs lky nfijucb paysnikj
kfc `iiupktn`fkj tabrkpy, spbbia-jkfoukob pkta`j`oy, kfc psyianktrni
rbakgnjntktn`f sbrvnibs nf k vk rnbty `h nfpktnbft kfc/`r `utpktnbft sbttnfos.
Bvkjuktn`f
◀ Cbtbrlnfnfo tab vkjub `h fursnfo ikrb takt aks gbbf onvbf t` k
hklnjy.
◀ Sab pr`cuit `h tans stbp ns usbc h`r hurtabr cbinsn`f lkdnfo, t`
tbrlnfktb, i`ftnfub `r l`cnhy tab nftbrvbftn`f/s.
◀ _bjj h`rlujktbc o`kjs kfc `gebitnvbs nf tab fursnfo ikrb pjkf
sbrvb ks tab hrklbw`rd h`r bvkjuktn`f
_bjj h`rlujktbc o`kjs kfc `gebitnvbs nf tab fursnfo ikrb pjkf sbrvb
ks tab hrklbw`rd h`r bvkjuktn`f.
Bvkjuktn`f lbta`cs5
◀ Cnrbit `gsbrvktn`f
◀ Nftbrvnbw
◀ @rkj `r wrnttbf tbsts
◀ Abkjta kfc/`r paysnikj bxklnfktn`f
◀ Wbi`rc rbvnbw
;. H`rlktnvb Bvkjuktn`f
◄ Eucolbft lkcb kg`ut b﬍bitnvbfbss `h fursnfo nftbrvbftn`fs
◄ @fo`nfo kfc i`ftnfunfo
◄ Wbsujts ouncb tab fursb kfc hklnjy nf upcktnfo pjkfs
7. Yullktnvb Bvkjuktn`f
◄ Cbtbrlnfnfo tab bfc rbsujts `h hklnjy fursnfo ikrb kfc
usukjjy nfv`jvbs lbksurnfo `uti`lbs `r tab cborbb t` wania
o`kjs akvb gbbf kianbvbc.
❘ B﬍bitnvbfbss - Sab cbtbrlnfktn`f `h wabtabr o`kjs kfc
`gebitnvb wbrb kttknfbc. Nt kfswbrs tab qubstn`fs5
➧ ‚Cnc wb pr`cuib tab bxpbitbc rbsujt0
➧ ‚Cnc wb kttknf `ur `gebitnvbs0“
❘ Kppr`prnktbfbss - Sab suntkgnjnty `h tab o`kjs/`gebitnvbs kfc
nftbrvbftn`fs t` tab ncbftn﬋bc hklnjy abkjta fbbcs. Nt kfswbrs
tab qubstn`f5
➧ ‚Krb `ur o`kjs/`gebitnvbs kfc nftbrvbftn`fs i`rrbit nf rbjktn`f t`
tab hklnjy abkjta fbbcs wb nftbfc t` kccrbss0“
❘ Kcbqukiy- Sab cborbb `h su﬉inbfiy `h o`kjs/`gebitnvbs kfc
nftbrvbftn`fs nf kttknfnfo tab cbsnrbc iakfob nf tab hklnjy. Nt
kfswbrs tab qubstn`f5
➧ ‚_brb `ut nftbrvbftn`fs bf`uoa t` grnfo tab cbsnrbc iakfob nf
tab hklnjy0“
❘ B﬉inbfiy- Sab rbjktn`fsanp `h rbs`uribs usbc t` kttknf tab
cbsnrbc `uti`lbs. Nt kfswbrs tab qubstn`f5
➧ ‚Krb tab `uti`lbs `h hklnjy fursnfo ikrb w`rta tab fursb„s tnlb,
b﬍`rt kfc `tabr rbs`uribs0“
 @RSI@LBY BXKJRKSN@F BXKJRKSN@F BXKJRKSN@F
YSKFCKWCY
IWNSBWNK/

NFCNIKS@WY

LBSA@C S@@J/CKSK
Y@RWIB
O`kj5 Nlpr`vb tab _bnoat (ks
futrntn`fkj stktus futrntn`fkj stktus Nfirbksb kt jbkst _bnoanfo sikjb,
`h tab irntbrn`f) _bnoat Bkrjy Ianjca``c
; dnj`orkl nf snx L`fnt`rnfo
`fb-ybkr-`jc Ikrb kfc
wbbds
hklnjy lblgbr Cbvbj`plbft
Ikrc h`r =-8
ybkrs.
 @RSI@LBY BXKJRKSN@F BXKJRKSN@F BXKJRKSN@F
YSKFCKWCY
IWNSBWNK/

NFCNIKS@WY
LBSA@C S@@J/CKSK
Y@RWIB

@gebitnvbs5
Cnbtkry anst`ry
Sab hklnjy wnjj gb ]brh`rlkfib tkdnfo H``c rbikjj h`rl
kgjb t`5 Irntbrnk/Nfcnikt`rs I`rrbit `r h``c hrbqubfiy
5 ncbftnhniktn`f `h rbi`rc
;. ]r`vncb nfkcbqukinbs nf
kcbquktb ikrb t` ;.k Ncbftnhy nftkdb `h spbinhni
tab `fb-ybkr-`jc nfkcbqukinbs nf lkir`futrnbfts,
lblgbr spbinhni futrnbfts vntklnfs kfc
obfbrktbc hr`l lnfbrkjs irntnikj
tab gksbjnfb t` or`wta, g`fb
cnbtkry nftkdb `h Wbi`rc rbvnbw
cbvbj`plbft kfc
tab ianjc. str`fo nllufb
systbl
@RSI@LBY BXKJRKSN@F BXKJRKSN@F BXKJRKSN@F
YSKFCKWCY
IWNSBWNK/

NFCNIKS@WY

LBSA@C S@@J/CKSK
Y@RWIB
;.g ]rbpkrb lbkjs
gksbc `f iyijb Kiiurktb Lbfu pjkf
@gsbrvktn`f
lbfu pjkf kppjniktn`f `h
Cknjy Futrntn`f
Ouncb ]yrklnc ]brh`rlkfib
h`r Hnjnpnf` bvkjuktn`f
ianjcrbf ;-8 Iabidjnst
ybkrs.
@RSI@LBY BXKJRKSN@F BXKJRKSN@F BXKJRKSN@F
YSKFCKWCY
IWNSBWNK/

NFCNIKS@WY
LBSA@C S@@J/CKSK
Y@RWIB

Wbi`rc Wbvnbw
;.i Hbbc tab ianjc Bstnlktbc h``c
gksbc `f korbbc ]rbpkrktn`f `h @gsbrvktn`f kfc rbi`rc
up`f qukjnty kfc lbkjs ouncbc h`r pbrh`rlkfib
Nftbrvnbw
qukftnty `h h``c prnfinpjbs suia bvkjuktn`f
ks futrnbft iabidjnst
prbsbrvktn`f,
nfirbksbc vkrnbty
kfc kppbkjnfo t`
tkstb
7. Rtnjnzb Grnfo tab ianjc t` Ijnfni h`jj`w up kt Wbi`rc Wbvnbw Bkrjy Ianjca``c
i`llufnty tab abkjta jbkst `fib curnfo Ikrb kfc
rbs`uribs h`r ibftbr/ijnfni h`r tab l`fta Cbvbj`plbft
ikrb rboujkr bkrjy Ikrc h`r =-8 ybkrs
ianjca``c or`wta `jc
l`fnt`rnfo kfc
ikrb.

LBSA@C S@@J/CKSK
Y@RWIB
Sab hklnjy fursnfo ikrb pjkf ns k wrnttbf ouncb `h tab fursb kfc hklnjy t`
bfsurb k systblktni kppr`kia t` pjkf gbakvn`r iakfob.
S``js `f a`w t` sbt t` sbt up k rbi`rc dbbpnfo systbl5
;. Sab Hklnjy Ybrvnib kfc ]r`orbss Wbi`rc (HY]W)
7. Rsbc `h tab Hklnjy Ybrvnib kfc ]r`orbss Wbi`rc
9. Iakrtnfo Fursnfo Ikrb
3. ]r`orbss F`tbs
2. Ijnbft Wbsp`fsbs/ @uti`lbs
 Sab Fursnfo gko `r tab ]AF gko ns kf nlp`rtkft t``j curnfo a`lb
vnsnt. Nt ns usbc gy tab fursb curnfo a`lb kfc i`llufnty vnsnts t` gb kgjb
t` pr`vncb ikrb skhbjy kfc b﬉inbftjy. Nf tab i`llufnty, bvbf nf lkfy
urgkf krbks, tab fursnfo gko aks gbbf syf`fyl`us t` tab fursb nf luia
tab sklb wky takt tab stbta`si`pbs akvb gbbf ncbftn﬋bc wnta k c`it`r.
I`ftbfts `h tab gko cbpbfc `f tab typb `h sbrvnibs ns t` cbjnvbr t` tab
i`llufnty `r t` tab a`lbs. Ksncb hr`l tab `gvn`us rbks`f takt nt ns k
iksb `r i`ftknfbr h`r ntbls fbbcbc h`r fursnfo ikrb, tab fursnfo gko kjs`
sbrvbs ks rblnfcbr `h tab fbbc h`r ayonbfb kfc `tabr lbksurbs t`
prbvbft sprbkc `h cnsbksb `r nfhbitn`f.
 ◀ Y`kp nf k i`vbrbc s`kp cnsa kfc
*krtnijbs `h nfhbitn`f i`ftr`j 5
jnfbf `r cnsp`skgjb pkpbr t`wbj h`r
akfc wksanfo
◀ Kpr`f
◀ G`ttjbs `h kftnsbptnis
◀ Ykfntnzbrs

◀ G`cy tabrl`lbtbr `h hklnjy

*krtnijbs h`r kssbsslbft 5
lblgbrs
◀ Lbksurnfo tkpb
◀ Fbwg`rf wbnoanfo sikjb
◀ ]`rtkgjb cnkof`stni kncs
◀ Ntbls h`r Gbfbcnit„s tbst
 ◀ Kcabsnvb tkpbs
*krtnijbs h`r fursnfo ikrb
◀ Gkfckob
◀ Yinss`rs

◀ @r jnfnfo tab s`kp cnsa nh tab a`lb

*ijbkf krtnijbs
snfd ns usbc

◀ Kfc h`r jnfnfo tab gko, kfc h`jcbc

*pnbibs `h pkpbr
pkpbr t` gb usbc ks wkstbr
rbibptkijb nh fbbcbc

F`tb5 stbta`si`pbs kfc spayol`lkf`lbtbr krb ikrrnbc

sbpkrktbjy
◀ Gko tbiafnqub abjps tab fursb nf nfhbitn`f i`ftr`j
Sab pr`pbr usb `h tab gko kjj`ws tab prkitnib `h lbcnikj
ksbptni tbiafnqub curnfo tab a`lb vnsnt wabrb tab hklnjy lblgbrs
kfc tab krtnijbs nf tab a`lb krb i`fsncbrbc p`tbftnkj s`uribs
nfhbitn`f. Sab fursb pr`tbits abrsbjh `r anlsbjh kfc tab fursnfo
gko kfc nts i`ftbfts hr`l i`ftklnfktn`fs. Sab fursb usbs tab gko
tbiafnqub ks jnvb cbl` t` tab hklnjy `h prkitnikj lbta`c `h
nfhbitn`f i`ftr`j suia ks akfc wksanfo.
◀ Gko tbiafnqub kjj`ws tab fursb t` onvb ikrb b﬉inbftjy
Nt skvbs tnlb kfc b﬍`rt gy bfsurnfo takt tab krtnijbs
fbbcbc h`r fursnfo ikrb kvknjkgjb. Nt ns nlp`rtkft h`r tab
fursb t` iabid tab i`ftbfts `h tab gko (Ns nt i`lpjbtb0 Krb kjj
hufitn`fnfo wbjj0) gbh`rb kfy a`lb vnsnt. Sab gko ns
i`fstruitbc t` kjj`w b﬉inbft krrkfoblbft `h tab i`ftbfts.
Krtnijbs lust gb krrkfobc kii`rcnfo t` usb, wnta tab krtnijb t`
gb usbc ﬋rst pjkibc `f t`p.
◀ Gko tbiafnqub sa`ujc f`t tkdb kwky tab fursb„s h`ius
`f tab pktnbft kfc tab hklnjy
Sab fursnfo gko ns snlpjy k t``j nf pr`vncnfo ikrb.
◀ Gko tbiafnqub lky gb pbrh`rlbc nf cn﬍brbft wkys
Sabrb lky gb vkrnktn`f nf usnfo tab gko tbiafnqub
gbikusb `h kobfiy p`jninbs kfc tab a`lb sntuktn`f.
A`wbvbr, prnfinpjbs `h ksbpsns krb `h tab bssbfib kfc
sa`ujc gb prkitnibc kt kjj tnlbs.
◀ Wblblgbr t` pr`ibbc hr`l ijbkf t` i`ftklnfktbc
◀ Sab gko kfc nts i`ftbft sa`ujc gb wbjj pr`tbitbc hr`l i`ftkit
wnta kfy krtnijb nf tab pktnbft„s a`lb
◀ Jnfb tab tkgjb/surhkib wnta pkpbr/wksakgjb pr`tbit`r
◀ _ksa y`ur akfcs gbh`rb kfc khtbr bkia paysnikj kssbsslbft
paysnikj ikrb
◀ Grnfo `ut `fjy tab krtnijbs fbbcbc h`r tab ikrb `h tab hklnjy
◀ C` f`t put kfy `h tab hklnjy„s krtnijbs `f y`ur pkpbr
jnfnfo/wksakgjb pr`tbit`r
◀ _abfbvbr p`ssngjb kfc ks fbibsskry, wksa y`ur krtnijbs
gbh`rb puttnfo tabl gkid nft` tab gko. Nh tans ns f`t
p`ssngjb, wrkp tabl pr`pbrjy t` prbvbft i`ftklnfktnfo
tab gko
◀ Khtbr usnfo kf krtnijb suia ks kf kpr`f, h`jc tab
i`ftklnfktbc sncb nfwkrc
◀ _ksa tab nffbr ij`ta jnfnfo `h tab gko ks fbibsskry
 Sab hklnjy-fursb rbjktn`fsanp ns cbvbj`pbc tar`uoa hklnjy-fursb
i`ftkits, wania lky tkdb tab h`rl `h ijnfni vnsnt, a`lb vnsnt, or`up
i`fhbrbfib, tbjbpa`fb i`ftkit, wrnttbf i`llufniktn`f, lbsskobs vnk
tbxt, lbssbfobr, vngbr, kfc `tabr s`inkj lbcnk tbxt lbsskonfo
pjkth`rls. Sab fursb usbs tab typb `h hklnjy fursb i`ftkit `r
i`ftkits takt ns `r krb l`st suntkgjb t` tab sntuktn`f `r purp`sb.
Lke`r irntbrnk h`r sbjbitnfo tab typb `h hklnjy-fursb i`ftkit5
◀ B﬍bitnvnty
◀ B﬉inbfiy
◀ Kppr`prnktbfbss
◀ Ijnfni vnsnt ’ lky tkdb pjkib nf k prnvktb ijnfni, abkjta ibftbr, gkrkfoky ibftbr
`r nf k l`gnjb ijnfni. Lke`r kcvkftkob ns tab hkit takt k hklnjy lblgbr tkdbs
tab nfntnktnvb `h vnsntnfo tab pr`hbssn`fkj abkjta w`rdbr nfcniktnfo tab hklnjy„s
wnjjnfofbss t` tkdb pkrt nf tab abkjta ikrb pr`ibss. Nt kjs` kjj`ws tab fursb t`
lkxnlnzb rbs`uribs ’ tab fursb aks tab `pp`rtufnty t` usb bqunplbft takt
ikff`t gb tkdbf t` tab a`lb4 `tabr tbkl lblgbrs nf tab ijnfni ikf gb ikjjbc
up`f t` abjp `r pr`vncb kccntn`fkj sbrvnib. Kfc ybs, nt ns jbss bxpbfsnvb t` tab
fursb.
◀ Or`up i`fhbrbfib ’ pr`vncbs kf `pp`rtufnty h`r nfntnkj i`ftkit gbtwbbf tab
fursb kfc tkrobt hklnjnbs. Bxklpjb ns k i`fhbrbfib `h l`tabrs nf tab
i`llufnty. Nt lky tkdb pjkib kt k ijnfni, abkjta hkinjnty `r nf k s`inkj akjj nf tab
i`llufnty. Sans typb `h hklnjy-fursb i`ftkit ns kppr`prnktb h`r cbvbj`pnfo
i``pbrktn`f, jbkcbrsanp, sbjh-rbjnkfib, `r i`llufnty kwkrbfbss kl`fo or`up
lblgbrs. A`wbvbr, kttbfckfib nf or`up i`fhbrbfib ns k﬍bitbc gy
l`tnvktn`f kfc kvknjkgnjnty `h tab tkrobt hklnjy lblgbrs. Sab fursb,
tabrbh`rb, ly f`t gb kgjb t` rbkia tab hklnjy nf orbktbr fbbc `h abjp.
◀ Sbjbpa`fb i`fhbrbfib ’ nh rbs`uribs krb p`ssngjb, tbjbpa`fb i`fhbrbfib vnk
jkfcjnfb `r ibjj pa`fb pr`vncbs bksy kiibss gbtwbbf tab fursb kfc tab hklnjy.
Sbjbpa`fb i`fhbrbfib lkygb b﬍bitnvb, b﬉inbft kfc kppr`prnktb nh tab
`gebitnvb ns nllbcnktb kiibss t` cktk kfc tabrb krb pr`gjbls `h cnstkfib `r
trkvbj tnlb. Sbjbpa`fb ikjjs k﬍`rcs bksy kiibss t` cktk jndb l`fnt`rnfo `h
abkjta stktus, `r pr`orbss curnfo kiutb paksb `h njjfbss, upcktbs `f rbsp`fsb
t` ikrb `r trbktlbft. A`wbvbr, nfh`rlktn`f trkfslnttbc tar`uoa tbjbpa`fb
lky gb jnlntbc. Kiiurktb kssbsslbft `h hklnjy i`fcntn`fs usukjjy rbqunrbs
hkib-t`-hkib i`ftkit.
◀ _rnttbf i`llufniktn`f ’ jbss tnlb-i`fsulnfo `ptn`f h`r tab fursb nf
nfstkfibs takt tabrb krb prn`rnty hklnjnbs fbbcbc h`jj`w-up. Sans typb `h
hklnjy-fursb i`ftkit ns usukjjy usbc t` onvb spbin﬋i nfh`rlktn`f t` hklnjnbs.
Bxklpjb ns nfstruitn`f onvbf t` pkrbfts tar`uoa tabnr ianjcrbf. @fb pr`gjbl
wnta tans ns tabrb ns f` kssurkfib takt tab nfh`rlktn`f ns rbibnvbc gy tab
nftbfcbc rbinpnbft.
◀ Yia``j vnsnt ’ tans ikf kjs` gb k sia``j i`fhbrbfib. Sans pr`vncbs tab
`pp`rtufnty t` w`rd wnta tab hklnjy kfc sia``j kuta`rntnbs `f a`w t`
cbtbrlnfb tab cborbb `h vujfbrkgnjnty `h ianjcrbf kfc kc`jbsibfts t` abkjta
rnsds, akzkrcs `r kceustlbft pr`gjbls. Sans kjs` `﬍brs tab iakfib t` w`rd
`ut nftbrvbftn`fs fbbcbc.
◀ Nfcustrnkj pjkft `r e`g sntb vnsnt ’ ns c`fb wabf tab fursb kfc tab hklnjy
fbbc t` lkdb kf kiiurktb kssbsslbft `h abkjta rnsds `r akzkrcs nf tab
w`rdpjkib, kfc w`rd wnta tab blpj`ybr `r supbrvns`r `f wakt ikf gb c`fb t`
nlpr`vb `f pr`vnsn`fs h`r abkjta kfc skhbty `h w`rdbrs.
◀ A`lb vnsnt ’ pr`hbssn`fkj kfc purp`sbhuj nftbrkitn`f takt tkdbs pjkib nf tab
rbsncbfib `h tab hklnjy. Nt ns `fb wabrb nfstbkc `h tab hklnjy o`nfo t` tab
fursb, nt ns tab fursb o`nfo t` tab hklnjy
 5

◀ Wbs`uribs
◀ ]r`l`tbs hklnjy pkrtninpktn`f kfc h`iusbs `f tab hklnjy ks k
ufnt
◀ Sbkianfo hklnjnbs nf tabnr a`lbs ns bksnbr
◀ ]brs`fkjnzbc a`lb vnsnt onvbs tab hklnjy k sbfsb `h sbjh
i`f﬋cbfib nf tablsbjvbs kfc tab kobfiy
◀ Kjj`ws ﬋rst akfc kssbsslbft `h tab a`lb sntuktn`f
◀ Sab fursb ns kgjb t` sbbd `ut prbvn`usjy ufncbftn﬋bc fbbcs
❘ ]rb vnsnt paksb- fursb i`ftkits hklnjy, cbtbrlnfbs hklnjy„s wnjjnfofbss h`r k a`lb vnsnt, kfc sbts kf
kpp`nftlbft
❘ Nf-a`lb paksb ’ gbonfs ks s``f tab fursb sbbds pbrlnssn`f t` bftbr tab a`usb kfc bfcs wabf tab
fursb jbkvbs tab hklnjy„s a`lb
Sarbb ]aksbs `h Nf-A`lb5
;. Nfntnktn`f- Rp`f bftbrnfo tab r``l, tab fursb kidf`wjbcobs tab hklnjy lblgbr/s wnta k
orbbtnfo kfc nftr`cuibs kfc tab kobfiy tab fursb rbprbsbfts. S` bstkgjnsa rkpp`rt, tab fursb
nfntnktbs k sa`rt s`inkj i`fvbrsktn`f. Sabf stktb tab purp`sb `h tab vnsnt kfc tab s`urib `h
nfh`rlktn`f.
7. Nlpjblbftktn`f- Nt nfv`jvbs tab kppjniktn`f `h tab fursnfo pr`ibss--- kssbsslbft, pr`vnsn`f `h
cnrbit fursnfo ikrb ks fbbcbc kfc bvkjuktn`f.
9. Sbrlnfktn`f ’ Sans i`fsnsts `h sullkrnznfo wnta tab hklnjy tab bvbfts curnfo tab a`lb vnsnt
kfc sbttnfo k sugsbqubft a`lb vnsnt `r kf`tabr h`rl `h hklnjy fursb i`ftkit suia ks ijnfni vnsnt.
Sans ns kjs` tab tnlb h`r rbi`rc ﬋fcnfos, suia ks vntkj snofs `h hklnjy lblgbrs kfc g`cy wbnoat.
❘ ]`st vnsnt paksb ’ tkdbs pjkib wabf tab fursb aks rbturfbc t` tab abkjta hkinjnty kfc c`bs tab
c`iulbftktn`f `h tab vnsnt.
;. Sab a`lb vnsnt sa`ujc akvb k purp`sb - Sab fursb ns tab oubst nf
tab hklnjy kfc f`t h`r s`inkj rbks`f kfc sa`ujc gb tabrkpbutni.
(Lkurbr kfc Ylnta,7==>)
7. Rsb nfh`rlktn`f kg`ut tab hklnjy i`jjbitbc hr`l kjj p`ssngjb
s`uribs suia ks rbi`rcs, `tabr pbrs`ffbj kfc/kobfiy `r
prbvn`us i`ftkits wnta tab hklnjy.
9. Sab a`lb vnsnt pjkf h`iusbs `f ncbftn﬋bc hklnjy fbbcs,
pkrtniujkrjy fbbcs rbi`ofnzbc gy tab hklnjy ks rbqunrnfo urobft
kttbftn`f.
3. Sab ijnbft kfc hklnjy sa`ujc kitnvbjy pkrtninpktb nf pjkffnfo h`r
i`ftnfunfo ikrb.
2. Sab pjkf sa`ujc gb prkitnikj kfc kckptkgjb
;. S` akvb k l`rb kiiurktb kssbsslbft `h tab hklnjy„s jnvnfo
i`fcntn`fs kfc kckpt nftbrvbftn`fs kii`rcnfojy.
7. S` bcuiktb tab hklnjy kg`ut lbksurbs h`r abkjta pr`l`tn`f,
cnsbksb prbvbftn`f kfc i`ftr`j `h abkjta pr`gjbls.
9. S` prbvbft tab sprbkc `h nfhbitn`f kl`fo hklnjy lblgbrs kfc
wntanf tab i`llufnty.
3. S` pr`vncb suppjblbftkj nftbrvbftn`fs h`r tab snid, cnskgjbc `r
cbpbfcbft hklnjy lblgbr kfc wabfbvbr p`ssngjb ouncb tab
hklnjy `f a`w t` onvb ikrb nf tab huturb.
2. S` pr`vncb tab hklnjy wnta orbktbr kiibss t` abkjta rbs`uribs nf
tab i`llufnty gy bstkgjnsanfo k ij`sb rbjktn`fsanp wnta tabl,
pr`vncnfo nfh`rlktn`f kfc lkdnfo rbhbrrkjs ks fbibsskry.
 Hklnjy abkjta fursnfo ns k fursnfo kspbit `h `rokfnzbc hklnjy
abkjta ikrb sbrvnibs wania krb cnrbitbc `r h`iusbc `f hklnjy ks tab
ufnt ikrb wnta abkjta ks tab o`kj. S` ncbftnhy abkjta & fursnfo fbbcs
kfc pr`gjbls `h bkia hklnjy.
 &

◀ Kjj pr`hbssn`fkj pbrs`fs fbbc t` gb kii`uftkgjb h`r tab

pbrh`rlkfib `h tabnr cutnbs t` tab pugjni.
◀ Ynfib fursnfo aks gbbf i`fsncbrbc ks pr`hbssn`f, fursbs fbbc t`
rbi`rc tabnr w`rd `f i`lpjbtn`f.
◀ Wbi`rcs krb k prkitnikj kfc nfcnspbfskgjb knc t` tab c`it`r,
fursb kfc pkrklbcnikj pbrs`ffbj nf onvnfo tab gbst p`ssngjb
sbrvnib t` tab ijnbfts.
◀ Wbp`rt sullkrnzbs tab sbrvnibs `h tab pbrs`f `r pbrs`ffbj kfc
`h tab kobfiy.
◀ Yuppjy cktk takt krb bssbftnkj h`r pr`orkllbc pjkffnfo kfc
bvkjuktn`f.
◀ ]r`vncb tab prkitntn`fbr wnta cktk rbqunrbc h`r tab kppjniktn`f `h
pr`hbssn`fkj sbrvnibs h`r tab nlpr`vblbft `h hklnjy's abkjta.
◀ S``js `h i`llufniktn`f gbtwbbf abkjta w`rdbrs, tab hklnjy &
`tabr cbvbj`plbft pbrs`ffbj.
◀ B﬍bitnvb abkjta rbi`rcs sa`w tab abkjta pr`gjbl nf tab hklnjy
kfc `tabr hkit`rs takt k﬍bit abkjta.
◀ Nfcniktbs pjkfs h`r huturb.
◀ Abjp nf tab rbsbkria h`r nlpr`vblbft `h fursnfo ikrb.
◀ K rbi`rc ns k pbrlkfbft wrnttbf i`llufniktn`f takt c`iulbfts
nfh`rlktn`f rbjbvkft t` k ijnbft„s abkjta ikrb lkfkoblbft.
◀ K rbi`rc ns k ijnfnikj, sinbftn﬋i, kclnfnstrktnvb kfc jbokj
c`iulbft rbjktnfo t` tab fursnfo ikrb onvbf t` tab nfcnvncukj
hklnjy `r i`llufnty.
◀ Wbi`rcs krb k prkitnikj kfc nfcnspbfskgjb knc t` c`it`r, fursb
kfc pkrklbcnikj pbrs`ffbj nf onvnfo tab gbst p`ssngjb sbrvnib t`
tabnr ijnbfts.
◀ Wbi`rcbc hkits akvb vkjub kfc sinbftn﬋i kiiurkiy h`r l`rb takf
lbrb nlprbssn`f `h lbl`ry kfc tabrb krb ouncbjnfbs h`r gbttbr
kclnfnstrktn`f `h abkjta sbrvnibs.
◀ Fursbs sa`ujc cbvbj`p tabnr `wf lbta`c `h bxprbssn`f kfc
h`rl nf rbi`rc wrntnfo.
◀ _rnttbf ijbkrjy, kppr`prnktbjy kfc kcbquktbjy.
◀ I`ftknf hkits gksbc `f `gsbrvktn`f, i`fvbrsktn`f kfc kitn`f.
◀ Ybjbit rbjbvkft hkits kfc tab rbi`rcnfo sa`ujc gb fbkt, i`lpjbtb
kfc ufnh`rl
◀ Xkjukgjb jbokj c`iulbfts kfc s` nt sa`ujc gb akfcjbc ikrbhujjy,
kfc kii`uftbc h`r.
◀ Wbi`rcs sa`ujc gb wrnttbf nllbcnktbjy khtbr kf nftbrvnbw.
◀ Wbi`rcs krb i`f﬋cbftnkj c`iulbfts.
◀ Kiiurktbjy cktbc, tnlbc kfc snofbc
◀ F`t nfijucb kggrbvnktn`fs, ekro`f, lbkfnfojbss parksbs
◀ H`r tab Nfcnvncukj kfc Hklnjy
◀ Wbi`rcs sbrvb t` c`iulbft tab anst`ry `h tab ijnbft.
◀ Wbi`rcs kssnst nf tab i`ftnfunty `h ikrb.
◀ Wbi`rcs sbrvb ks bvncbfib t` supp`rt `r t` lkfkob `r hkib tab jbokj qubstn`fs
takt krnsb.
◀ Wbi`rcs sbrvb t` rbi`ofnzb tab abkjta fbbcs kfc ikf gb usbc ks k rbsbkria
kfc tbkianfo t``j.
H`r tab C`it`r
◀ Ybrvbs ks ouncb h`r cnkof`sns, trbktlbft, h`jj`w up kfc bvkjuktn`f `h
sbrvnibs.
◀ Nfcniktb pr`orbss kfc i`ftnfunty `h ikrb.
◀ Abjp sbjh-bvkjuktn`f `h lbcnikj prkitnib.
◀ ]r`tbit tab c`it`r nf iksb `h jbokj nssubs
◀ Wbi`rcs lky gb usbc h`r tbkianfo kfc rbsbkria.
H`r tab Fursb
◀ ]r`vncb wnta c`iulbftktn`f `h sbrvnibs rbfcbrbc, n.b. sa`ws
abkjta i`fcntn`f `h tab ijnbft.
◀ ]r`vncb cktk bssbftnkj h`r pjkffnfo kfc bvkjuktn`f `h sbrvnibs h`r
hurtabr nlpr`vblbft.
◀ Ybrvb ks k ouncb h`r pr`hbssn`fkj or`wta.
◀ Bfkgjb t` eucob tab qukjnty kfc qukftnty `h w`rd c`fb.
◀ Ybrvb ks i`llufniktn`f t``j gbtwbbf stk﬍ kfc `tabr lblgbrs
nfv`jvbc nf ikrb.
◀ Nfcniktb pjkfs h`r tab huturb.
H`r Kuta`rntnbs
◀ ]r`vncb tab lkfkoblbft wnta stktnstnikj nfh`rlktn`f fbibsskry h`r
cbinsn`f nf rbokrc t` utnjnzktn`f `h rbs`uribs, pjkffnfo h`r
kclnfnstrktnvb i`ftr`j kfc huturb rbhbrbfibs.
◀ Abjp tab supbrvns`r bvkjuktb tab sbrvnibs rbfcbrbc, tbkianfo c`fb
kfc k pbrs`f„s kitn`f kfc rbkitn`fs.
Iulujktnvb `r i`ftnfunfo rbi`rcs
Sans ns h`ufc t` gb tnlb skvnfo, bi`f`lnikj kfc kjs` nt ns abjphuj
t` rbvnbw tab t`tkj anst`ry `h kf nfcnvncukj kfc bvkjuktb tab pr`orbss
`h k j`fo pbrn`c.
Hklnjy rbi`rcs
◀ Sabsb krb rbi`rcs wania rbjktb t` lblgbrs `h hklnjy, sa`ujc gb
pjkibc nf k snfojb hklnjy h`jcbr.
◀ Onvbs tab pniturb `h tab t`tkj sbrvnibs kfc abjps t` onvb b﬍bitnvb,
bi`f`lni sbrvnib t` tab hklnjy ks k wa`jb.
◀ Ybpkrktb rbi`rc h`rls lky gb fbbcbc h`r cn﬍brbft typbs `h
sbrvnib suia ks SG, lktbrfnty bti. kjj suia nfcnvncukj rbi`rcs
wania rbjktb t` lblgbrs `h `fb hklnjy sa`ujc gb pjkibc nf k
snfojb hklnjy h`jcbr.
;. H`rls, iksb ikrcs kfc Wbonstbrs.
◀ Hklnjy rbi`rc
◀ Bjnongjb i`upjb kfc ianjc rbonstbr
◀ Ytbrnjnzktn`f kfc NRC rbonstbr
◀ LIA Ikrc/ rbonstbr
◀ Ianjc Ikrc/ rbonstbr
◀ Gnrta kfc cbkta rbonstbr
◀ Yug ibftbrs/]AI/ijnfni rbonstbr
◀ Yt`id & Nssub rbonstbr
◀ Wbp`rts `h gj``c tbst `h Lkjkrnk kfc Hnjkrnk
◀ Lkjkrnk pkrksntb p`sntnvb iksb rbonstbr kfc `tabrs
7. Cnkrnbs
◀ Cnkry `h (L kfc H)
◀ Cnkry `h AK (L kfc H)
9. Wbturf - L`ftajy rbp`rt `h A_ ( L kfc H) I`lpjniktn`f rbp`rt `h
A_ (L kfc H) ]AI L`ftajy rbp`rt Nf kccntn`f, bkia `rokfnzktn`f sa`ujc
lknftknf5
◀ Iulujktnvb rbi`rcs
◀ Hklnjy rbi`rcs
◀ Wbi`rcs `h fursbs„ `gsbrvktn`fs ’Fursbs„ F`tbs
◀ Wbi`rcs `h `rcbrs ikrrnbc `ut
◀ Wbi`rcs `h trbktlbft
◀ Wbi`rcs `h kclnssn`f kfc cnsiakrob
◀ Wbi`rcs `h bqunplbft j`ss kfc rbpjkiblbft ( nfvbft`ry)
◀ Wbi`rcs `h pbrs`ffbj pbrh`rlkfib.
◀ O``c rbp`rts skvb cupjniktn`f `h b﬍`rt kfc bjnlnfktb tab fbbc h`r
nfvbstnoktn`f t` jbkrf tab hkits nf k sntuktn`f.
◀ Hujj rbp`rts `htbf skvb blgkrrksslbft cub t` nof`rkfib `h sntuktn`f.
◀ ]ktnbfts rbibnvb gbttbr ikrb wabf rbp`rts krb ta`r`uoa kfc onvb kjj
pbrtnfbft cktk.
◀ I`lpjbtb rbp`rts onvb k sbfsb `h sbiurnty wania i`lbs hr`l df`wnfo
kjj hkit`rs nf tab sntuktn`f.
◀ Nt abjps nf b﬉inbft lkfkoblbft `h tab wkrc.
◀ Wbp`rts sa`ujc gb lkcb pr`lptjy nh taby krb t` sbrvb tabnr purp`sb
wbjj.
◀ K o``c rbp`rt ns ijbkr, i`lpjbtb, kfc i`finsb.
◀ Nh nt ns wrnttbf kjj pbrtnfbft, ncbftnhynfo cktk krb nfijucb tab h`jj`wnfo5
◄ cktb kfc tnlb
◄ pb`pjb i`fibrfbc
◄ Yntuktn`f
◄ Ynofkturb `h tab pbrs`f lkdnfo tab rbp`rt.
◀ Nt ns ijbkrjy stktbc kfc wbjj `rokfnzbc h`r bksy ufcbrstkfcnfo.
◀ F` bxtrkfb`us lktbrnkj ns nfijucbc.
◀ O``c `rkj rbp`rts krb ijbkrjy bxprbssbc kfc prbsbftbc nf kf
nftbrbstnfo lkffbr.
◀ Nlp`rtkft p`nfts krb blpaksnzbc.
@rkj rbp`rts5
◀ @rkj rbp`rts krb onvbf wabf tab nfh`rlktn`f ns h`r nllbcnktb usb
kfc f`t h`r pbrlkfbfiy
◀ B.o. nt ns lkcb gy tab fursb wa` ns kssnofbc t` pktnbft ikrb, t`
kf`tabr fursb wa` ns pjkffnfo t` rbjnbvb abr.
_rnttbf rbp`rts
◀ Wbp`rts krb t` gb wrnttbf wabf tab nfh`rlktn`f t` gb usbc gy
sbvbrkj pbrs`ffbj, wania ns l`rb `r jbss `h pbrlkfbft vkjub, b.o.
cky kfc fnoat rbp`rts, ibfsus, nftbrcbpkrtlbftkj rbp`rts, fbbcbc
kii`rcnfo t` sntuktn`f, bvbfts kfc i`fcntn`fs.
◀ Lbcnikj rbi`rcs.
◀ Fursnfo rbi`rcs/pr`orbss f`tbs.
◀ Lbcniktn`f iakrts.
◀ Jkg`rkt`ry `rcbrs kfc rbp`rts.
◀ Xntkj snofs `gsbrvktn`f iakrts.
◀ Akfc`vbr sabbts kfc kclnssn`f.
◀ Cnsiakrob kfc trkfshbr iabidjnsts/ jbttbrs.
◀ ]ktnbft's kssbsslbft h`rls, suia ks futrntn`f `r prbssurb krbk ikrb
kssbsslbft.
◀ Sab pktnbft aks k rnoat t` nfspbit kfc i`py tab rbi`rc khtbr gbnfo
cnsiakrobc
◀ Hknjurb t` rbi`rc snofn﬋ikft pktnbft nfh`rlktn`f `f tab lbcnikj
rbi`rc lkdbs k fursb ounjty `h fbojnobfib.
◀ Lbcnikj rbi`rc lust gb kiiurktb t` pr`vncb k s`ufc gksns h`r ikrb
pjkffnfo.
◀ Brr`rs nf fursnfo iakrtnfo lust gb i`rrbitbc pr`lptjy nf k lkffbr
takt jbkvbs f` c`ugts kg`ut tab hkits.
◀ Nf rbp`rtnfo nfh`rlktn`f kg`ut irnlnfkj kits `gtknfbc curnfo pktnbft
ikrb, tab fursb lust rbvbkj suia nfh`rlktn`f `fjy t` tab p`jnib,
gbikusb nt ns i`fsncbrbc k prnvnjbobc i`llufniktn`f.
◀ HKIS - Nfh`rlktn`f kg`ut ijnbfts kfc tabnr ikrb lust gb hufitn`fkj. K
rbi`rc sa`ujc i`ftknf cbsirnptnvb, `gebitnvb nfh`rlktn`f kg`ut wakt k
fursb sbbs, abkrs, hbbjs kfc slbjjs.
◀ KIIRWKI^ - K ijnbft rbi`rc lust gb rbjnkgjb. Nfh`rlktn`f lust gb
kiiurktb s` takt abkjta tbkl lblgbrs akvb i`f﬋cbfib nf nt.
◀ I@L]JBSBFBYY - Sab nfh`rlktn`f wntanf k rbi`rcbc bftry `r k rbp`rt
sa`ujc gb i`lpjbtb, i`ftknfnfo i`finsb kfc ta`r`uoa nfh`rlktn`f
kg`ut k ijnbft ikrb `r kfy bvbft `r akppbfnfo tkdnfo pjkib nf tab
eurnscnitn`f `h lkfobr.
◀ IRWWBFSFBYY - Cbjkys nf rbi`rcnfo `r rbp`rtnfo ikf rbsujt nf
sbrn`us `lnssn`fs kfc uftnlbjy cbjkys h`r lbcnikj ikrb `r kitn`f
jbokjjy, k jktb bftry nf k iakrt lky gb nftbrprbtbc `f fbojnobfib.
◀ @WOKFNUKSN@F - Sab fursb `r fursb lkfkobr i`llufniktbs
nfh`rlktn`f nf k j`onikj h`rlkt `r `rcbr. Abkjta tbkl lblgbrs
ufcbrstkfc nfh`rlktn`f gbttbr wabf nt ns onvbf nf tab `rcbr nf
wania nt ns `iiurrbc.
◀ I@FHNCBFSNKJNS^ - Fursbs krb jbokjjy kfc btanikjjy `gjnoktbc t`
dbbf nfh`rlktn`f kg`ut ijnbft„s njjfbssbs kfc trbktlbfts
i`f﬋cbftnkj.
◀ Lknftknfnfo o``c qukjnty rbi`rcs kfc rbp`rts aks g`ta
nllbcnktb kfc j`fo-tbrl gbfb﬋ts h`r stk﬍. Nf tab j`fo
tbrl nt pr`tbits nfcnvncukjs kfc tbkls hr`l kiiusktn`fs `h
p``r rbi`rc-dbbpnfo, kfc tab rbsujtnfo cr`p nf l`rkjb. Nt
kjs` bfsurbs takt tab pr`hbssn`fkj kfc jbokj stkfcnfo `h
fursbs krb f`t ufcbrlnfbc gy kgsbft `r nfi`lpjbtb
rbi`rcs, nh taby krb ikjjbc t` kii`uft kt k abkrnfo.
WB]@WS
◀ Wbi`rc kfc rbp`rt krb lutukjjy nftbrcbpbfcbft
◀ Wbp`rt ikf gb prbpkrbc `f tab gksns `h rbi`rc
◀ Ynlnjkrjy, rbp`rt ikf gb prbsbftbc ks rbi`rc.
◀ Wbi`rc ns kjwkys nf tab wrnttbf h`rl hr`l wanjb rbp`rt ikf gb `rkj ks wbjj.
◀ Wbp`rt, bspbinkjjy `rkj rbp`rt, ikf gb h`ro`ttbf wanjb rbi`rc ikf gb prbsbrvbc
h`r k j`fo tnlb.
◀ Cbspntb gbnfo jntbrkjjy cn﬍brbft, rbi`rc kfc rbp`rt krb syf`fyl`us kfc
nftbrrbjktbc, kjs` taby krb tab bssbftnkj kfc nlp`rtkft i`lp`fbft `h
i`llufnty abkjta, lkfkoblbft kfc fursnfo.
WBI@WC
◀ Wbi`rcs krb tab nfh`rlktn`f dbpt nf tab abkjta ufnt `f tab w`rd `h tab ufnt, `f
tab abkjta i`fcntn`fs nf tab i`llufnty, `f tab nfcnvncukj pktnbfts ks wbjj ks
nfh`rlktn`f `f kclnfnstrktnvb lkttbrs5 stk﬍, bqunplbft kfc bti.
NFNFSBW]W@HBYYN@FKJ I@JJKG@WKSN@F
◀ Ns cb﬋fbc ks "wabf lujtnpjb abkjta w`rdbrs hr`l cn﬍brbft
pr`hbssn`fkj gkidor`ufcs w`rd t`obtabr wnta pktnbfts, hklnjnbs,
ikrbrs (ikrbonvbrs), kfc i`llufntnbs t` cbjnvbr tab anoabst qukjnty `h
ikrb."
;. Wurkj Abkjta Rfnt ]brs`ffbj
◀ Lufninpkj Abkjta ]aysninkf
◀ Fursbs
◀ Lncwnhb
◀ Ykfntkry nfspbit`r
◀ GA_
7. J`ikj O`vbrflbft Rfnts ’ krb nfstntutn`fkj ufnts wa`sb ﬋sikj, jbonsjktnvb kfc bxbiutnvb kuta`rnty
bxtbfcs `vbr tab slkjjbst ob`orkpanikj krbks cnstnfounsabc h`r kclnfnstrktnvb kfc p`jntnikj purp`sbs.

◀ WK ?;8= - KF KIS ]W@XNCNFO H@W K J@IKJ O@XBWFLBFS I@CB @H ;>>; (@it`gbr ;=, ;>>;)
◀ @﬉inkjjy j`ikj o`vbrflbft nf tab ]anjnppnfbs, `htbf ikjjbc j`ikj o`vbrflbft ufnts `r JORs,
krb cnvncbc nft` tarbb jbvbjs5
;. ]r`vnfibs kfc nfcbpbfcbft intnbs
7. I`lp`fbft intnbs kfc lufninpkjntnbs
9. Gkrkfokys
◀ Yntn`s kfc ]ur`ds krb `htbf jbc gy bjbitbc gkrkfoky i`ufinj`rs.
9. O`vbrflbft @rokfnzktn`fs ’ K o`vbrflbft `r stktb kobfiy ns k pbrlkfbft `r
sbln-pbrlkfbft `rokfnzktn`f nf tab lkianfbry `h o`vbrflbft takt ns rbsp`fsngjb h`r tab
`vbrsnoat kfc kclnfnstrktn`f `h spbin﬋i hufitn`fs, suia ks kf nftbjjnobfib kobfiy. ... Sab
kut`f`ly, nfcbpbfcbfib kfc kii`uftkgnjnty `h o`vbrflbft kobfinbs kjs` vkry wncbjy.

◀ CY_C ’ Sab ]anjnppnfbs' Cbpkrtlbft `h Y`inkj _bjhkrb kfc Cbvbj`plbft (Hnjnpnf`5

Dkokwkrkf fo Dkokjnfokf kt ]kopkpkufjkc ]kfjnpufkf, kggrbvnktbc ks CY_C) ns tab
bxbiutnvb cbpkrtlbft `h tab ]anjnppnfb O`vbrflbft rbsp`fsngjb h`r tab pr`tbitn`f `h tab
s`inkj wbjhkrb `h rnoats `h Hnjnpnf`s kfc t` pr`l`tb s`inkj cbvbj`plbft.
◀ Futrntn`f I`ufinj ’ Fktn`fkj Futrntn`f I`ufinj, kggrbvnktbc ks FFI, ns kf kobfiy `h tab
]anjnppnfb o`vbrflbft ufcbr tab Cbpkrtlbft `h Abkjta rbsp`fsngjb h`r irbktnfo k
i`fcuinvb p`jniy bfvnr`flbft h`r fktn`fkj kfc j`ikj futrntn`f pjkffnfo, nlpjblbftktn`f,
l`fnt`rnfo kfc bvkjuktn`f, kfc survbnjjkfib usnfo stktb-`h tab krt tbiaf`j`oy kfc
kppr`kiabs.
◀ ]`pujktn`f I`llnssn`f ’ Sab I`llnssn`f `f ]`pujktn`f (]@]I@L) ns k o`vbrflbft
kobfiy lkfcktbc ks tab `vbr-kjj i``rcnfktnfo, l`fnt`rnfo kfc p`jniy lkdnfo g`cy `h tab
p`pujktn`f pr`orkl. Nt ns tab jbkc kobfiy pr`l`tnfo p`pujktn`f kitnvntnbs.
3. K f`f-o`vbrflbftkj `rokfnzktn`f (FO@) ns kfy f`f-pr`﬋t, v`juftkry
intnzbfs' or`up wania ns `rokfnzbc `f k j`ikj, fktn`fkj `r nftbrfktn`fkj
jbvbj.
◀ Nt ns bstnlktbc takt tabrb krb ks lkfy ks 8=,=== rbonstbrbc FO@s nf
tab ]anjnppnfbs t`cky.
◀ Sans fulgbr nfijucbs kjj f`fpr`﬋t `rokfnzktn`fs, nfijucnfo kg`ut
;=,=== takt krb jnstbc ks pb`pjb's `rokfnzktn`fs (]@s).
]b`pjb's `rokfnzktn`fs krb kjs` rbhbrrbc t` ks orkssr``ts `rokfnzktn`fs `r
i`llufnty-gksbc
◀ Iktbo`ry K5 ]rnlkry Ikrb Hkinjnty ’ ﬋rst i`ftkit abkjta ikrb hkinjnty
takt `﬍brs gksni sbrvnibs nfijucnfo blbrobfiy sbrvnibs kfc pr`vnsn`f
h`r f`rlkj cbjnvbrnbs.
◀ Iktbo`ry G5 Iust`cnkj Ikrb Hkinjnty - k abkjta hkinjnty takt pr`vncbs
j`fo tbrl abkjta ikrb, nfijucnfo gksni sbrvnibs jndb h``c kfc sabjtbr,
t` pktnbfts wnta iar`fni i`fcntn`fs rbqunrnfo `fo`nfo abkjta kfc
fursnfo ikrb cub t` nlpknrlbft kfc rbcuibc cborbb `h
nfcbpbfcbfib nf kitnvntnbs
◀ Iktbo`ry I5 Cnkof`stni/Sabrkpbutni Hkinjnty ’ k hkinjnty h`r tab
bxklnfktn`f `h tab aulkf g`cy h`r tab cnkof`sns, s`lbtnlbs
trbktlbft `h cnsbksb. Sans iktbo`ry ns hurtabr ijkssn﬋bc nft`5
◄ jkg`rkt`ry hkinjnty
◄ ANX tbstnfo hkinjnty
◄ Gj``c sbrvnib hkinjnty
◄ Cruo tbstnfo hkinjnty
◄ Fbwg`rf sirbbfnfo hkinjnty
◄ Jkg`rkt`ry h`r crnfdnfo wktbr

◀ Iktbo`ry C5 Ypbinkjnzbc @utpktnbft Hkinjnty - k hkinjnty takt

pbrh`rls anoajy spbinkjnzbc pr`ibcurbs `f kf `utpktnbft gksns