secrets of atm troubleshooting book

7/23/2019 Secrets of ATM Troubleshooting Book

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PL@TLVP CA NVB

VTC\DILPOCCVEKM

DU: Drnek]nvlVl`o

NXXIELF NVB GKC]ILFML

NII TEMOVP TLPLTQLF @CXUTEMOV 4880



PL@TLVP CA NVB VTC\DILPOCCVEKM

PL@VECK >: EKVTCF\@VECK

PL@VECK 4: @CBBCK PLKPL VL@OKE@ENK

PL@VECK 0: EKVTCF\@VECK VC VOL NVB

PL@VECK 6: CQLTQEL] CA NPPLBDIELP

PL@VECK <: LIL@VTCKE@ JC\TKNI

PL@VECK 1: @CBB\KE@NVECKP

PL@VECK =: NINTBP NKF IC@GP

PL@VECK ?: NVB ANEI\TL @CFLP

PL@VECK 5: NVB ANEI\TL @CKFEVECK#PCI\VECK>

PL@VECK >8: NVB ANEI\TL @CKFEVECK#PCI\VECK4

PL@VECK >>: FELDCIF E"PLTELP XTC@LF\TL

PL@VECK >4: K@T <888 PLTELP XTC@LF\TL

PL@VECK >0: K@T <<#<1#<?88 PLTELP XTC@LF\TL

PL@VECK >6: K@T EKGJLV XTC@LF\TL

PL@VECK >



EKVTCF\@VECK

EKVTCF\@VECK: >



PL@VECK4

@CBBCK PLKPL VL@OKE@ENK XNML

\PEKM VOL PLKPLP: >

VCCIP: 4

FTLPPEKM ACT VOL JCD: 4

NVB @NIIP: 0

VOL @\PVCBLT: 6

VOL VL@OKE@ENK: 6

\PEKM VOL PLKPLP:



Cvlr tol pnst 48 ylnrs ycu ilnrk ocw bnòekls te`g) toly onvl kcesls nkf scukfs woeò tlii ycu ea mlnrs nrl mrekfekm) cr squlngekm+ Kcesl es n dem pnrt trcudilsocctekm NVB―s+ Natlr n woeil ca wcrgekmck tolb) tolrl nrl `lrtnek slqulk`ls ca cplrnteck) ns wlii ns) kcesls tont just ste`g ek tol bekf+ Volsu``lssaui trcudilsocctlr gkcws ocw tol bnòekl wcrgs torcumo scukf) nkf `nk eflkteay prcdilbs dnslf ck tol ek`crrl`t scukfs remot nwny+

Qesedil semot ek trcudilsocctekm es vlry ebpcrtnkt ek fltlrbekekm `cbpcklkts tont bny dl durklf)swliilf) cr fnbnmlf+ Ausls bny dl cplk) cr pnrts bny dl bessekm) usekm semot ek trcudilsocctekmblnks gkcwekm wont `lrtnek nsslbdiels nkf pnrts socuif iccg iegl+ ’ Nrl nii tol tllto ck tont mlnr‒3+Fert `nk dl ckl ca tol bcrl flnfiy qunietels ek slrveèkm NVB―s) tol cif snyekm) ’n ìlnk bnòekl ruksnkf iccgs dlttlr tonk n ferty ckl.‒ Gllpekm tol ùstcblr onppy dy wont toly sll ck tol cutsefl) `nkscbltebls `cvlr tol fert ck tol nsslbdiels ck tol eksefl ca tol bnòekl) dut toes weii `ntò up tc ycu ektebl nkf aneiurls weii c`ùr+

Pblii es niwnys n mccf ekfe`ntcr ca pnrts woeò nrl durkekm) cr ck tolrl wny cut+ Volrl rlniiy socuifk―t dl n sblii tc nk NVB ukilss et ons dllk arlsoiy pnektlf+ Pbliiy NVB―s `nk pcekt tc ’rnts‒ mlttekm ektctol NVB) cr acrlemk bntlrenis ilngekm ektc cr nrcukf NVB+

Vcuòekm `lrtnek `cbpcklkts) `nk ’znp‒ tolb ektc lnriy rlterlblkt dy tol oubnk onkf rlilnsekmtocusnkfs ca vcits ca ònrmls dueit up ek tol dcfy+ N mccf prn`te`l) es tc niwnys tcuò n bltni suran`lca tol NVB) dlacrl rlpinèkm nky X@D `nrfs) cr nsslbdiels+ Voes n`teck ca fesònrmekm tol dcfy) `nklxtlkf tol ieal ca `lrtnek E+@ òeps) nkf nsslbdiels+ N mccf prn`te`l) es tc trlnt nii nsslbdiels nkf`cbpcklkts) ns ea toly nrl stnte` slksetevl+ Vcuò) `nk nisc socw tol tlòkeènk n dnfiy fnbnmlf òepck nk nsslbdiy ek scbl `nsls+ Vcuò) nefs ek fltlrbekekm sbccto suran`ls) nkf ckl―s tont nrl `cntlf cr `cnrsl+

@cbbck slksl `nk dl tol demmlst dlklaet tc tol su``lssaui tlòkeènk wcrgekm ck nky pel`l ca lil`trcke` lquepblkt+ Kct ste`gekm ckl―s onkfs ektc tol @TV bcketcr) woeil et―s piummlf ek) es ckllxnbpil+ Bcst tebls) `cbbck slksl es just usekm sebpil prc`lfurls tont socuif dl plracrblf wolklvlry nsslbdiy es rlpin`lf+ Acr lxnbpil) ’turk caa pcwlr wolk rlpinèkm#rlbcvekm nky nsslbdiels‒+Vngl kctls) cr bnrg `ckkl`tcrs) wolk rlbcvekm tolb arcb nsslbdiels) tc nssurl tolrl prcplr pin`lblkt+ Pcbl tlòkeènk―s mlt tolbslivls ek n ’pe`gil‒) dl`nusl toly `nk―t rlblbdlr wont tolyrlpin`lf) cr fes`ckkl`tlf+ Vol mccf tlòkeènk) ’wrctl et fcwk‒. Pcbl plcpil `nk splkf nii fny)rlpinèkm nsslbdiels) wolk nii toly kllflf tc fc wns òl`g tol aneiurl icm cr ìlnr tol aetklss+

Volk tolrl nrl tocsl prcdilbs woeò onvl kctoekm tc fc weto tol NVB) dut tol kltwcrg gllp―s tliiekmycu ea ycur prcdilb+ Volrl nrl sebpil nkf lnsy stlps tc aciicw tc liebekntl tol kltwcrg arcb ’dcssekm‒ycu nrcukf+ Vol tlòkeènk socuif bngl tol ’aekni jufmblkt‒+

VCCIP:

Ckl bemot toekg tont tol NVB slrve`l muy cr mni kllfs n tru`g auii ca tccis tc slrve`l tol NVB+ Voltruto es tont bcst rlpners `nk dl bnfl dy n ilntolrbnk tcci get ck ycur dlit+ Bcst bnòekls fc kctrlquerlf splèni tccis tc rlbcvl s`rlws cr nsslbdiels+ Volrl nrl femetni vcit bltlrs) woeò `nk dlcdtneklf acr &48 nt nky Tnfec Pon`g) nkf beke"tlstlrs acr `cbbuke`nteck essuls+ Ucu `nk bngl n iccp" dn`g `ndil acr nky NVB) nkf just tol usl ca n sbnii iemot wlemot dnm ca tccis socuif fc tol tre`g+



Ucu socuif `nrry tol dnse` tccis) nickm weto scbl ìlnkekm suppiels7 sbnii dcttil ca =8, ni`coci) tccto druso) sbnii `cttck rnms /ùt up scbl cif fc`glrs%) q"teps nkf `nkklf ner+ Acr iudre`nteck) nii ycu kllfes scbl iemot wlemot slwekm cei) cr kyl cei+ Tnfec Pon`g caalrs scbl mccf tlaick iudre`ntl ek n tudl+Vol sbnii `nrry dnm socuif onvl n ainsoiemot) niilk wrlkò slt) kut"frevlr slt) nkf n `cupil ca prlèsecks`rlwfrevlrs+

Vnig tc scbl Vlòkeènks woc onvl dllk slrveèkm NVB―s acr ylnrs nkf nsg tolb ocw tolrl gkllsnrl3 @nrry n sbnii acnb pnf ek ycur dnm tc prctl`t ycur gklls. Et es dlttlr tc dl snal tonk scrry) sc prctl`tekm tol lyls weto minssls es n pnrnbcukt eflni+

Et―s niwnys sbnrt tc onvl dn`g"up tccis ek ycur slrve`l vloeìl+ Voes get socuif ekìufl n sciflrekm erck)sciflrekm we`g) nkf sciflr+ Nisc) ycu bny kllf scbl demmlr tccis iegl n inrml `rls`lkt wrlkò) sc`gltwrlkò slt) lxtlkflr dnr) nkf freii get+

@ilnkekm tol eksefl ca tol NVB dy usekm `nkklf ner nkf rnms socuif wcrg+ N sbnii vnùub `cbls ekonkfy wolk tolrl―s niict ca fert+ \sekm PVX /yliicw dcttil% ck tol ansèn―s ca tol NVB weii bngl tolbiccg klw nkf gllp tolb arcb anfekm cvlr tol ylnrs+

FTLPPEKM ACT VOL JCD:

]oy wcuif nkyckl `nrl ocw ckl iccgs wolk wcrgekm ck tol NVB3 Lxplrelk`l ons socwk tontwlnrekm tol wrckm pnkts nkf soert) nk ruek tol fny) cr lvlk tol pc`gltdccg+ Vol usl ca fc`glrs ekfnrg `cicrs `nk oefl tol fert nkf mrlnsl+ Fck―t wlnr n woetl soert dl`nusl et weii mlt ferty) just usl`cbbck slksl+

\ktei ycu mlt tc ìlnk nii ycur bnòekls `crrl`tiy) ycu nrl dcukf tc mlt ferty+ Pcbl muy―s usl `cvlr"niis) woeò wcrg mrlnt+ ]olk rldueifekm n pubp"nsslbdiy) `ckseflr usekm pinste` micvls+ Niwnys `nrryscbl onkf ìlnklr nkf pnplr tcwli tc ìlnk onkfs natlr aekesolf weto tol rlpner ea kllflf+ Ea ycu wnkt)`nrry scbl @icrcx wepls tc ìlnk onkfs natlr slrve`l `nii+

NVB @NIIP:

Bcst tebls ycu nrl pnmlf dy n kltwcrg woeò bcketcrs tol auk`teckniety ca tol NVB+ Ea tol NVB ons nanuit) tol kltwcrg es slt"up nutcbntlf tc slkt cut n pnml blssnml ca tol anuit+ Vol pnml `nk dl rlnitebl) cr dl flinylf) woeò `cuif rlsuit ek bcrl fcwk tebl ck tol NVB+ >st iekl tlòkeènks mlt tol aerst`nii tc rlspckf nkf rlscivl tol prcdilb weto tol NVB) ea toly `nkkct rlscivl tol prcdilb) et es tolkls`nintlf tc tol 4kf iekl tlòkeènk+

Pcbl NVB rlpner `cbpnkels onvl tlòkeènk―s tont nrl dcto >st nkf 4kf iekl woeò rlsuits ek que`glr rlpners) nkf ilss fcwk tebl acr tol NVB+ Vol rlspcksl tebl acr tol NVB anuit socuif flplkf ck toltypl ca `nii+ NVBs woeò nrl ’onrf fcwk‒ rlquerl que`glr rlspcksls tolk tocsl woc nrl ’wcukflf‒+Acr lxnbpil) tol NVB bemot onvl ckiy ckl sefl fcwk ck tol fesplkslr) dut tol ctolr sefl es steiiflplksekm `nso tc tol ùstcblr+



@cktrn`ts fltlrbekl wolk tol tlòkeènk rlspckfs tc tol anuitlf NVB+ Volrl nrl 46#= `cktrn`ts) nkfscbl tont nrl ckiy < fnys n wllgs arcb ? tc <+ Flplkfekm ck tol typl ca bnòekl) nkf et―s vciubl)`cktrn`ts `nk dl fltlrbeklf dy tol cwklr ca tol bnòekl+ Ek bcst `nsls) tol dnkg cr cwklr ca tol NVBbny wnkt tc ruk tolrl cwk >st iekl `niis) nkf ckiy onvl n sl`ckf iekl `cktrn`t weto n slrve`l rlpner vlkfcr+

]olk tol tlòkeènk nrrevls nt tol setl ca tol NVB acr tol rlpner) ol cr sol bny onvl gly―s nkf n``lsstc tol NVB) kct rlquerekm n bllt weto nkctolr plrsck+ Bcst `nsls) tol >st iekl tlòkeènk ons n``lss tcnii tol anèietels ca tol NVB) ekìufekm tol vnuit+ Ol es essulf gly―s) nkf `cbdc―s) tc tol ic`g+ BcstNVB―s onvl nk ninrb tont kllf―s tc dl turklf caa) dlacrl lktlrekm tol NVB out) dnkg cr stnkf"nicklNVB+ Pcbl NVB―s fc kct onvl nky prctl`teck nt nii+ Volsl NVB―s `nk dl `nrtlf nwny) nkf stcilk dytol gkcwilfmlndil nkf n wlii lquepplf rcddlr+ Volrl onvl dllk `nsls ca NVB―s dlekm `nrtlf caa remot ek tol beffil ca tol fny) weto kc prcdilb―s nt nii+

]olk tol NVB tlòkeènk nrrevls nt tol NVB) ol socuif ilt tol cwklr) stcrl cr dnkg gkcw) ol cr soles tolrl dlacrl stnrtekm tol slrve`l wcrg+ Xuiiekm olnf aerst ektc frevl"up bcflis) prlvlkts nkf flalrsùstcblr―s nwny arcb usekm tol NVB+ Bcst rlpner `cbpnkels lbpicy) uk"bnrglf vloeìls wolkslrveèkm tol NVB tc prlvlkt tolb arcb dlekm aciicwlf+ Vol bcst fnkmlrcus slrve`l wcrg es fckl cktol Feldcif >8=6e slrels frevl "up NVB―s natlr ocurs) cr nt kemottebl+

Pek`l tolrl es kc out) nii n``lss es cutsefl tol NVB+ N tlòkeènk `nk dl lnseiy dl cvlrtnglk dy nrcddlr+ Ea et―s fnyiemot) tol NVB tlòkeènk ons ilss resg tc fc rlpner wcrg ck tol NVB+ Bcsttlòkeènks wcrg nickl) nkf fck―t rlquerl nkctolr rlprlslktntevl prlslkt tc n``lss tol NVB+ Voly fckct `nrry muks) nkf bcst fc kct wlnr ukeacrbs+

VOL @\PVCBLT:

Ea n ùstcblr npprcnòls ycu woeil ycu nrl wcrgekm ck tol NVB) et es niwnys ebpcrtnkt tc ilt tolbgkcw ke`liy tont et weii dl fcwk acr quetl scbl tebl) nkf et bemot dl dlttlr acr tolb tc aekf nkctolr NVB+ Ek scbl `nsls) tol vnuit es cplk nkf tol ùstcblr npprcnòls+ Flplkfekm ck tol alliekm ca resg)nkkcuk`l tont ycu nrl mcekm tc ’`nii tol pcie`l‒) toes usuniiy stcps tolb ek tolrl trn`gs+ Volsl `nsls nrlrlbctl) nkf bcst plcpil nrl sbnrt lkcumo kct tc npprcnò) cr lkmnml nky plrsck woeil ol cr sol eswcrgekm ck tol NVB+

Ucu wcuifk―t dlielvl scbl ca tol lxplrelk`ls scbl tlòkeènks onvl lk`cuktlrlf woeil wcrgekm cktol NVB+ Bnky tlòkeènk―s mlt tol `cbbck) ’fccr gkc`gekm‒ woeil toly nrl tryekm tc rlpner n ’out‒typl NVB+ Vol ùstcblr wnkt―s gkcw) ’wont―s mcekm ck‒) iegl toly cwk tol NVB. Voly mlt bnf) nkfstnrt pcukfekm ck tol fccr) nt toes pcekt ekacrb tolb tont ycu nrl wcrgekm ck tol NVB) nkf weii `niitol pcie`l ea kllflf+ Pcbl cplk bcflis ek mrc`lry stcrls) ycu mlt tol ’fef ycu aekf nky lxtrn `nso‒) cr ’E icst &18 fciinrs ek tont bnòekl inst wllg‒) tolsl nrl nii seiiy) nkf socuif dl emkcrlf+ Volk ycuniwnys mlt tol) ’ Nrl ycu nrl mevekm nwny nky arll snbpils‒) cr ’ dcy) ol―s mct n mrlnt jcd‒.Pcbltebls E wckflr woy plcpil wnkt tc blss weto tol NVB tlòkeènk+

Vol upslt cwklr) cr ùstcblr es niwnys remot wolk toly onvl icst bckly ek tol NVB) cr onvl dllksocrtlf+ Volsl plcpil nrl letolr ’remot‒) cr ’wrckm‒) toly nrl ’trutoaui cr kct‒+ Et es pcssedil lvlk acr tcfny―s oemo tlò bnòekls tc socrt tol ùstcblr+ Vol truto iels ek tol rl`lept nkf tol dninkèkm ca tolNVB+ Volrl nrl n alw lxnbpil―s ca plcpil woc wlrl socrtlf &488+88 nkf tol bckly onf dllk tnglk



cut ca tolrl n``cukt+ Vol tlòkeènk socuif klvlr tngl bckly cut ca tol NVB tc mevl tc nky ùstcblr)uktei tol bnòekl ons dllk prcplriy dnink`l) nkf òl`glf acr nk cvlrnml ca `nso+ Vol dlst iekl ca flalksl es tc tlii tol ùstcblr tc) ’`nii tolrl dnkg‒) tolk tol tlòkeènk socuif òl`g tol lrrcr icms)`cuktlr―s nkf `niedrnteck torcumo tlstekm+

Ea n ùstcblr icssls tolrl NVB `nrf) tol tlòkeènk socuif klvlr nssubl tont tol NVB es wcrgekm

ek`crrl`tiy nkf mevl tolb tolrl `nrf) ukilss et onpplks wolk ycu nrl tolrl+ Volk tol ùstcblr―s EFkllfs tc dl òl`glf+ Vol `nrf bny onvl dllk tnglk dl`nusl ca tol `nrf rlnflr anuit+ Volrl nrl `nsls)tont tol `nrf rltnek dek es `cbpiltliy auii weto <8 `nrfs wolk tol tlòkeènk nrrevls nt tol NVB+Fnbnmlf `nrfs socuif dl flstrcylf) nkf ek bcst `nsls tol rltneklf `nrfs nrl pe`glf up dy tol dnkg cr icnfekm `rlw) tolk toly nrl flstrcylf+

VOL VL@OKE@ENK:

Vol tlòkeènk woc es ocklst socuif nsg oebslia just ckl qulsteck7 ’Onvl E lvlr tnglk nky `nso#`nrfsarcb nky NVB3‒) ea tol nkswlr es ’KC‒) tolk ycu nrl n mccf nkf ocklst tlòkeènk+ Volrl wns ntlòkeènk woc tocumot tont lvlrytebl ol vesetlf nk NVB nkf just tccg &48+88 lnò tebl) tont et wcuifklvlr `ntò up tc oeb+ Voes plrsck es ek jnei) slrvekm < ylnrs acr oes stupefety+ Volsl NVB―s nrl vlryrliendil) nkf socuif dnink`l lvlrytebl) weto kc fes`rlpnkèls+ N trnei ca fl`let `nk lxest acr tocsltlòkeènk―s woc toekg toly `nk tngl arcb tol teii+ Voes trnei weii `ntò up weii tolb ek n socrt tebllkfekm tolrl `nrllrs+



PL@VECK 0

EKVTCF\@VECK VC VOL NVB XNML

EKVTCF\@VECK: >

MLKLTNI XTN@VE@L: >

NVB BN@OEKLP : FELDCIF >

NVB BN@OEKLP: K@T 0

NVB BN@OEKLP: Vretck SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS1



EKVTCF\@VECK:

Gkcwekm ocw tc trcudilsocct su``lssauiiy ons tnglk bnky ylnrs ca ukflrstnkfekm ocw tol NVB wcrgsnkf woy `lrtnek toekms c`ùr+ \sekm ycur slksls dy gkcwekm ocw n bnòekl socuif n`t `nk olip ycu ektrcudilsocctekm tol prcdilb tol aerst tebl) tous rlfuèkm `nii dn`g―s nkf ùstcblr `cbpinekts+ Lnò

typl ca NVB ons prlslktlf bnky feaalrlkt prcdilbs nkf bcst ca tolb rlc`ùr cvlr nkf cvlr nmnek+Volsl weii dl prlslktlf) ns wlii ns) scbl tont nrl bcst iegliy tc c`ùr ek tol auturl+ Lnò flve`l weii dl`cvlrlf nkf rlintlf tc tol bcfli woeò tol prcdilb c`ùrs nickm weto n iest ca gkcwk ùrls+

MLKLTNI XTN@VE@L:

Bnky kltwcrgs fck―t fls`redl tol aneiurls ek fltnei wolk tol tlòkeènk es `niilf+ \suniiy n mlklrnianeiurl es `rlntlf ukilss tol `nii `nbl ek bnkuniiy pin`lf dy tol ùstcblr cr >st iekl tlòkeènk+ Veblmcekm tc tol setl) dy `cktn`tekm tol kltwcrg) `nk dl snvlf ea tol tlòkeènk rlslnròls tol prcdilb dynsgekm fltneilf qulstecks+ Voes bny kct nppiy tc nii slrve`l `niis) dut kltwcrgs `nk `nii n tlòkeènk acr n `nrf rlnflr anuit) wolk et es n`tuniiy n glydcnrf essul+ Et es mccf prn`te`l tc òl`g tol aneiurl `cfls cr olnitoy s`rllk upck nrrevni precr tc slrveèkm tol NVB+ Pcbltebls n stcry"iekl ca tol aneiurl es rlnfeiynppnrlkt wolk rlvelwekm tol prcdilb cr ckmcekm anuit essul+

NVB BN@OEKLP : FELDCIF

Vol wefl vnrelty ca typls ca NVB bnòekls blnks wl bust trlnt lnò drnkf slpnrntliy+ Feldcif acr lxnbpil) rlquerls slbe"nkkuni XB―s ck tolrl fesplkslr―s tc prlvlkt cr rlpin`l wlnr pnrts+ Volfesplkslr ons mckl arcb n >088 slrels ner typl pe`g systlb) tc n are`teck typl pe`gekm systlb+ Voesare`teck systlb gkcwk ns tol BBF) cr buite"blfen"fesplkscr es kcw tol bnek stny uslf dy Feldcif+ \kacrtukntliy toes typl ca are`teck allf systlb rlquerls tont klw `nso dl icnflf n `lrtnek wny nkf kctbexlf weto ciflr `nso+ Bcst fesplkslr rlintlf pe`g aneiurls nrl ful tc ek`crrl`t icnfekm ca `nso ek tolslbnòekl―s) cr ferty nkf wcrk wlnr pnrts+ Flplkfekm ck tol nbcukt ca `nso fesplkslf tol BBFfesplkslr rlquerls ìlnkekm nkf rlpin`lblkt ca wlnr pnrts lvlry sex bcktos+ Vol tcp pintl bust dliudre`ntlf nkf tol dlits bust dl ìlnklf+ Vol fcudil fltl`t slkscrs bust dl nfjustlf `crrl`tiy+ Vol uslca =8, ni`coci weto n tcctodruso nkf slvlrni ìlnk sbnii `cttck rnm―s) nickm weto Vlaick mrlnsl /TnfecPon`g% es nii tont es rlquerlf+

Voes Bnòekl ons lvcivlf arcb n sebpil ’PVX‒ /be`rc% typl Xrc`lsscr) tolk n `cbputlr ’DVX‒ /0?1%nkf ’@VX‒ /6?1%) tc ùrrlktiy n ’M‒ /Xlkteub% typl slrels prc`lsscr+ Ns tlòkcicmy lvcivls ek tolsl prc`lsscrs) tol kllf acr prcmrnbbekm nkf prcpreltnry scatwnrl ons nreslk+ Kcw tol ùstcblr bust’duy‒ tol scatwnrl remots weto tol bnòekls ea toly wnkt tc dl ndil tc icnf tolb nmnek ek tol auturl+

Vol lnsy wny tc nvcef `niiekm Feldcif tc rlprcmrnb ycur NVB) es dy onvl n `cpy ca tol onrf frevl acr tont bnòekl weto tol bnòekl+ Ns ickm ns ycu nrl slrveèkm tol bnòekl nkf kct sliiekm tolrlscatwnrl) n `cpy ca tol onrf frevl es ilmni ns ickm ns et stnys weto tol bnòekl+ Lnò NVB es slt"upfeaalrlktiy nkf ns ickm ns tol bnòekl es wcrgekm ycu `nk `cpy tol onrf frevl+ Tlblbdlr tont tol lxtrnonrf frevl bust stny ek tol bnòekl+

Vol Feldcif NVB) ek mlklrni) ons dllk dueit tc rlquerl slrve`l nt `lrtnek ektlrvnis torcumocut et―s ieal+Volrl es n tlkflk`y acr ’rnts‒ tc mlt ektc tolrl stnkfnickl bnòekls nkf bngl n ocbl ck tol @VX prc`lsscr X@D―s+ Nisc) toly iegl tc onkm cut ek tol fesplkslr nrln―s+ Vol klwlr M"slrels `cbputlr―s



onvl tol prc`lsscr dcnrf ekvlrtlf prlvlktekm nky rcflkt ekvnsecks+ Gllp ek bekl) tont tol ocils ukflr tolsl bnòekl niicw tolsl rnts tc mlt ek nkf lvlktuniiy weii `cst ycu niict ca bckly tc rlpin`l tolsl dcnrfs+ Dy ekslrtekm vlktlf `cvlrs) toes prcdilb weii dl nvceflf ek tol auturl+ Nisc) sek`l tol @VX eslxpcslf tc fust nkf fert) et bny dl wesl tc `ckstru`t n `cvlr tc gllp iequefs nkf fert arcb slttiekm ck et+

Niwnys aekf tebl tc ìlnk cut tol aeitlr ekslrts ck tolsl bnòekls+ Voes ìlnkekm weii eksurl tont ìlnk

ner weii mlt ektc tol bnòekl gllpekm tol eksefl ìlnklr rlquerekm ilss slrve`l+

Vol Lpsck Xrektlrs uslf dy Feldcif nrl vlry rliendil nkf acr tol bcst pnrt bnektlknk`l arll uktei n jnbc`ùrs wolk icnfekm pnplr+ Volsl prektlrs just rlquerl tont ycu gllp tol ocbl slkscrs ìlnk nkf tol prektolnf sonat ìlnk nkf iudre`ntlf+ \sl n vlry toek slwekm cei weto n q"tep +Vol usl ca `nkklf ner gllps fust cut ca tol ùttekm nsslbdiy nkf scilkcef+

Feldcif―s klwlr styil tolrbni prektlrs `nk prlslkt n prcdilb wolk uslf weto din`g `cupck pnplr+]olk aerst slttekm up tolrbni prektlrs tc usl din`g bnrg pnplr) scbl prektlrs bess tol bnrg nkf rlquerltol slkscr dl nfjustlf+ Nisc) din`g bnrg `cupck pnplr `nk jnb ek tol arckt nt tol lxet trnkspcrt nkfrlquerl tont tol muefl pintls dl weflklf+

Ucu socuif dl nwnrl tont ea tol NVB icsls pcwlr) cr es slkt n icnf tont wolk `cupck pnplr es uslf)twc rl`lept tcmltolr nrl niicwlf tc `cbl up cut ca tol tolrbni prektlr nkf tolk ektc tol trnso `nk+ ]onttoes fcls) es aeii tol trnso `nk) tous niicwekm tol klxt rl`lept tc jnb nkf `nusl n anuit+ Voes socuif kct dlns buò ns nk essul ea tol tolrbni `cupck pnplr es n sbnii rcii) cr tol ciflr styil >816ex bcflis wetotol sbniilr bcketcrs+

Feldcif―s klwlr styil ><‒ bcketcrs onvl n cvlrolntekm essul weto tolrl stnkf nickl NVB―P+ ]l onvlsllk n =<, aneiurl rntl ful tc olnt+ Vol sbnii `ckaeklf spn`ls ca tol NVB fcls kct niicw lkcumo ner aicw tc `cci caa toes inrml bcketcr+ Ea ekstniiekm ckl ca tolsl stnkfnickl NVB―P) bngl surl ycu rlbcvltol dn`g `cvlr acr lxtrn vlkteinteck+ Lvlk dlttlr) bcfeay tol drn`glt tc ekstnii n ank woeò wcuif puiitol oct ner cut ca tol NVB) tous niicwekm tol inrml Bcketcr tc stny `ccilr+ Vol prcdilb es) tont tolswetòekm pcwlr suppiy ek tol @=44>1 ><‒ bcketcr es mlttekm tcc oct nkf tol inrml `npnètcr―s nkfctolrs nrl fryekm up nkf swliiekm+ Vol bcketcr stnrts― tc flmrnfl natlr >< bcktos) tolk lvlktuniiyaneis) dicwekm tol ausl nkf pcssediy dicwekm cut ctolr `cbpcklkts+

Ck ciflr Feldcif bcfli―s) tol XVT―s /poctc lyls% acr tol bcketcrs dl`cbl ferty bnky tebls nkf `nknaal`t tol dremotklss ca tol NVB+ Feldcif @nrf Tlnflr―s nrl vlry rliendil nkf scief) ns ickm ns) tol C"rekms nrl rlpin`lf lvlry twc ylnrs nkf rciilrs glpt ìlnk nickm weto tol souttlr nsslbdiy+ Vol Feldcifflpcsetcry es vlry rliendil nkf socuif ckiy rlquerl rlpin`lblkt ca reddcks+ Pcbl bnòekl―s rlquerlycu fes`ckkl`t pcwlr dlacrl rlbcvni cr ekslrteck ca toes nsslbdiy+

Vol usl ca duddil blbdrnkl glydcnrfs ek Feldcif onvl prlslktlf n prcdilb+ Vol blbdrnkl dl`cblsektlrbettlkt nkf tol bnek glydcnrf) nickm weto tol ilat nkf remot sefl glydcnrfs) kllf tc dl rlpin`lfnatlr n alw ylnrs ca usl+

Vol pcwlr suppiy es vlry rliendil) dut scbltebls rlquerls rlpin`lblkt+ Et es vlry ebpcrtnkt wolkrlpinèkm nky X@D /prektlf èrùet dcnrf% ck n Feldcif tc eksurl tont tol strnppekm es `crrl`t+ Nisc) nky dcnrf cr nsslbdiy rlpin`lblkt bust dl fckl weto tol pcwlr caa+ \sekm prcplr stnte` rlsest tlòkequls) prlvlkt aneiurls fcwk tol rcnf+ Ek mlklrni) tol Feldcif NVB es n NVB tont rlquerls XB―s nkf DE"nkkuni bnektlknk`l+ Voes wcuif pin`l et nt tol beffil ca tol s`nil acr rliendeiety ns `cbpnrlf tc tol K@T klwlr slrels NVB―P+



NVB BN@OEKLP: K@T

K@T slrels NVB―P usl n sebeinr >088 ner typl pe`g systlb nkf nrl mlklrniiy bcrl rliendil tonk tolFeldcif bnòekls wolk flniekm weto klw `nso+ N ylnriy rlpin`lblkt ca pe`g ùps es ckiy rlquerlf nkfsebpiy gllpekm tol pe`g iekl ìlnk weii lxtlkf tol ieal nkf rlfu`l tol pcssedeiety ca aneiurl ek tol auturl+

Ek tol ciflr K@T bcflis) rldueifekm ca tol pubps es ckiy rlquerlf natlr twc 4"0 ylnrs nkf tol mlnrssocuif kct dl iudre`ntlf nt nii+ Mlnr drlngekm `nk dl n rlsuit ca ferty pe`g iekls) fert dueif"up ek tol mlnr tllto cr lkverckblktni `ckfetecks+

@cif es tol wcrst lklby tc toes typl ca fesplkslr) mlnrs drlng nkf `nsl bnjcr jnbs+ Bngl surl tololntlr es wcrgekm `crrl`tiy ek tol vnuit+ Ck tol ciflr K@T) ea tol vnuit es mlttekm tc oct `nusekm Ekg jltstc lxpicfl) `ckseflrlf bcvekm tol sl`ckf ank ukflr tol prc`lsscr fcwk tc tol solia ek tol ilat sefl ca tol vnuit+ Ea toes `cktekuls) tol usl ca n tolrbcstnt nk olip wolk telf ektc tol dn`g pinkl olntlr nsslbdiy+ Ns n inst rlscrt) n ank#olntlr `nk dl put ck tol solia ek tol vnuit+ Just bngl surl tol olntslttekm es icw nkf befwny cr ekg"jlt―s bny lxpicfl) `nusekm prcdilbs intlr+

Voes typl ca fesplkslr ons dllk prcvlk ns tol dlst nkf bcst rliendil wolk flniekm weto nii gekfs ca `nso+

K@T ons glpt tol usekm tol ekgjlt nsslbdiy ck tolrl Flpcsetcry systlb woeò `rlntl cvlrwolibekm prcdilbs ns `cbpnrlf tc reddck fct bntrex systlbs+ Vol ekgjlt―s bust dl glpt `cci nkf toly onvl nsolia ieal+ Nisc) tol inw ca mrnvety nickm weto olnt weii toek tol ekg `nusekm tol ekgjlt tc ìcm nkf bngltol prekt quniety pccr+ Vol ciflr slrels flpcsetcrels onvl bcrl prcdilbs tonk tol klwlr styil) dut tolEkgjlt ons dllk n wefl sprlnf prcdilb acr tol ùstcblr+ Ck tol ciflr K@T) n ank dloekf tol nufet prektlr wcrgs wolk tol ektlric`g swetò es lkmnmlf) toes ank es vlry ebpcrtnkt ek gllpekm tol vnuit `ccifurekm tol subblr bcktos nkf rlfuèkm tol ònk`l acr Ekgjlt essuls+

Ea nk lxpicseck ca tol Ekgjlt c`ùrs) tol èrùet `nrf es niwnys `cvlrlf ek ekg+ Et es niwnys dlst tc) letolr rlpin`l tol wocil nsslbdiy ea cif /6 ylnrs%) cr tngl tol nsslbdiy `cbpiltliy npnrt ck n woetl ìcto+Lnò pel`l bust dl ekg arll dlacrl tol rlnsslbdil) cr ekg bny squllzl dn`g cktc tol `ckkl`teck pcekt+/\sl =8 , ni`coci tc ìlnk up%

Vol K@T prc`lsscr ons lvcivlf ke`liy arcb n aicppy weto prc`lsscr X@D) tc n sebpil cbputlr systlb+ Pcatwnrl nkf prcmrnbbekm nrl mlklrniiy kct n prcdilb) woeil tol prc`lsscr ons dl`cbl vlryrliendil+ Onrf frevls `nk dl rlpin`lf lnseiy nickm weto tol prc`lsscr X@D+ Vol prc`lsscr kllfs tc onvltol snbl nbcukt ca rnb /pium ek `nrfs 6bd% nkf `nk dl lnseiy bcvlf arcb ckl dcnrf tc nkctolr+

Pcbltebls tolsl bnòekls ic`g"up nkf rlpcrt `ckfetecks iegl) ’ glydcnrfs kct nttnòlf‒ cr stnrticnfekm tol prcmrnb tolk stcp nkf rlslt nmnek+ N ict ca tebls) toes es ful tc tol prcmrnb dlekm `crruptlfcr n flve`l es prlvlktekm tol icnfekm prc`lss+ Pcatwnrl `nk dl rlicnflf) dut rnrliy fcls toes ùrl tol



prcdilb+ Pcbltebls tol ’dnpl X@D‒ /FLP gly lk`rypteck dcnrf%) woeò es ic`ntlf ek tol ocusekm`cktnekekm tol bnek ùstcblr glydcnrf) `nk dl rlpin`lf aexekm toes prcdilb+ Tlblbdlr) wolkrlpinèkm tol dnpl X@D tol ’FLP gly―s‒ /Fntn lk`rypteck slùrety glys% bust dl rl"ekslrtlf ektc tolNVB+

Vol ciflr K@T `nk ic`g up `nusekm et tc iccsl et―s blbcry furekm n lxtlkflf pcwlr cutnml+ Voes es

dl`nusl tol dnttlry ocuslf ck tol bctolr dcnrf) dloekf tol E#C dcnrf nkf prc`lsscr dcnrf) ons dl`cbllxonustlf nkf rlquerls rlpin`lblkt+ Vol dlst wny tc rlpin`l tol dnttlry es tc iep et cut) tolk ruk nwerl arcb nky ònsses mrcukf tc ycur klw dnttlry+ Nttnò n werl arcb tol blbcry rltnek swetò /mcekmtc bctolr X@D%) tc tol pcsetevl sefl ca tol dnttlry + Nttnò tol dnttlry ck tol sefl ca tol `nml weto telwrnps+ Niwnys tlst toes dy n pcwlr anei cr nttnòekm n FQB nkf blnsurekm tol vcitnml /'<QF@%

Ck klwlr K@T NVB―s) tol iemotekm systlb ons prlslktlf n prcdilb `nusekm scbl ic`glf upbnòekls+ Vol dniinst bnfl dy Vocrk mlts tc oct dl`nusl tol iemot es mlklrniiy ck nii tol tebl+Fes`ckkl`tekm toes dniinst) dy rlbcvekm tol rlf werl arcb et―s ekput socuif ùrl tol prcdilb+

Vol pcwlr suppiy es vlry rliendil) dut socuif dl fes`ckkl`tlf lvlry ylnr nkf tnglk cutsefl tc dl dicwk cut) toes weii ek`rlnsl et―s ieal"spnk+ Pcbltebls) pnplr arcb tol prektlrs `nk mlt ektc tol anks ekarckt ca tol `cbputlr nkf bngl kcesls+

K@T prektlrs `cbl ek n wefl vnrelty ca `ckaemurnteck―s dnslf ck tol bcfli ycu nrl flniekm weto+ Ciflr K@T bcflis lbpicy n fct bntrex prektlr ek woeò slvlrni feaalrlkt essul―s nk c`ùr+ Volsl prektlrsrlquerl toly dl glpt vlry ìlnk nkf iudre`ntlf ck tol rciilrs nkf prektolnf sonat nsslbdiy+ Vol prektolnf `ndil ons dllk n prcvlk prcdilb) et `nk prekt upsefl"fcwk cr `nusl ektlrbettlkt prektekm+Dcto tol nufet nkf rl`lept prektlr―s nrl tol snbl) ctolr tolk tol ùttlr nsslbdiy) strnppekm nkf fepswetò slttekms+ Vol prektlrs nrl vlry rliendil ea glpt ìlnk nkf rukkekm weto klw reddcks+

Vol K@T ciflr styil trnkspcrts fc prlslkt prcdilbs) ea tol C"rekms nrl kct rlpin`lf lvlry twc ylnrs)nkf tol nsslbdiy iudre`ntlf+ Vol woetl rciilr wollis `nk dl rlbcvlf) cr lvlk bcvlf) dut rlpin`lblktnssurls n lvlk aicw festreduteck ca pnplr torcumo tol trnkspcrt nsslbdiy nkf cut tc tol ùstcblr+ Voltlkseck sprekms nrl vlry ebpcrtnkt) `nusekm tol `crrl`t prlssurl tc dl pin`lf ck tol woetl rciilrs+ Ea ycur ciflr K@T es rlslttekm wolk lxetekm arcb tol fenmkcste`s blku) usuniiy ycu nrl mlttekmektlralrlk`l arcb tol bctcr ck tol trnkspcrt+

Voes trnkspcrt bctcr `nk `nusl kcesl) cr icnf tol pcwlr suppiy fcwk `nusekm n rlslt+ XB tol trnkspcrt) dy ìlnkekm nkf iudre`nteck) òl`g acr iccsl dlit tlkseck ck tol bctcr bnek frevl) tolk rlpin`l tolbctcr ea kllflf+

Klwlr K@T rl`lept prektlrs nrl vlry rliendil) nkf bcst tebls ckiy rlquerl ìlnkekm) reddck rlpin`lblktnkf iudre`nteck+ ]olk tol fct bntrex prektolnf es kct prektekm wlii) et `nk dl fes`ckkl`tlf /pcwlr caa%nkf iudre`ntlf torcumo tol dcttcb weto >"4 sbnii frcps ca kyl cei /slwekm cei%+ Voes usuniiy ùrls tol prekt quniety) wetocut tol kllf acr n prektolnf rlpin`lblkt+ Ea tol reddck es kct turkekm wolk tol prektolnf bcvls n`rcss tol sonat) tol `cuktlr rctnteck sprekm `nk dl rlpin`lf+

K@T Volrbni prektlrs nrl vlry rliendil) dut nrl scbltebls nrl naal`tlf dy olnt+ Vol lxet trnkspcrtruddlr rciilr `nk siep ea tol NVB mlts tcc oct ek tol tcp ont nrln+ Gllp toes ruddlr trnkspcrt allflr dlitìlnk) nkf rlpin`l lvlry 6 ylnrs flplkfekm ck `ckfeteck+

Vol K@T ciflr styil `nrf rlnflrs `nk dl uslf ek tol klwlr bnòekls) dy nttnòekm tol sefl dcnrf nkf



bcvekm tol pcwlr `ckkl`tcr+ Pcbltebls aettekm tolsl `nrf rlnflr―s ek tol klwlr styil NVB―P `nk prlslkt n prcdilb) dut wolk kllflf et `nk dl fckl+

Vol K@T ciflr styil `nrf rlnflrs socuif dl dicwk cut) nkf tol C"rekms ìlnklf cr rlpin`lf lvlry sexbcktos) wolk `ckseflrekm usl+ Vol arckt souttlr nsslbdiy `nk prlslkt n prcdilb ful tc fert) nkf tolscilkcef#souttlr nsslbdiy ste`gekm+ Kc iudre`nteck socuif dl put ek toes souttlr nrln tont weii nttrn`t

fust+

Dicwekm cut nkf niemkekm tol lktry swetòls bny dl rlquerlf+ Vol klwlr styil nkf ciflr styil `nrfrlnflrs dcto onvl `nrf lktry essuls+ Vol bnmklte` lktry fltl`t olnf rlquerls rlpin`lblkt) scblteblsylnriy+ Voes `nk lnseiy fckl ek tol aelif dy sciflrekm ek n klw fltl`t olnf+

Vol din`g#mrllk wollis ca tol `nrf rlnflr socuif dl glpt ìlnk+ @nrlauiiy) usl n tcctodruso weto =8,ni`coci nkf n ìlnk sbnii `cttck rnm+ Nisc) ìlnk tol woetl lktry prlssurl rciilr ck tcp ca tol bnmklte`rlnf olnf+ Voes weii prlvlkt `nrf jnbs) nkf ckmcekm `nrf rlnflr essuls+ Tuk n ìlnkekm `nrf torcumonkf vlreay cplrnteck+

Klwlr `nrf rlnflr onvl dlits) dut steii rlquerl ìlnkekm+ Pcbltebls tol slkscrs `nk dl`cbl dic`glf+ Ekscbl `nsls) tol slkscrs `nk kct dl ìlnklf ek tol aelif+ Vol `nrf rlnflr bust dl spiet cplk ck tol dlkònkf tol èrùet `nrf cr tol slkscr―s rlpin`lf+

Glydcnrfs onvl niwnys dllk n prcdilb+ Vol ’zlrc‒ cr ’>‒ gly `nk dl onrf tc prlss+ Ek bcst `nsls)toes rlquerls tol rlpin`lblkt ca tol glydcnrf blbdrnkl+ Pcbltebls) ycu `nk mlt nwny weto tol pin`lblkt ca lil`tre`ni tnpl ck tol naal`tlf duttck) cr usekm n wnalr toek fes` tnplf tc tol blbdrnkl+Ucu bust onvl nt ilnst ckl glydcnrf nttnòlf wolk tlstekm tol glydcnrfs+ Vol ilat nkf remot seflglydcnrf) `nk dl fnbnmlf vlry lnseiy wolk ekstniiekm cr rlbcvekm tolb) usl `nrl ek tolrl rlbcvni+

Vol ciflr K@T bcketcr―s nrl aneriy scief) dut scbltebls just mc cut+ Volrl nrl nfjustblkts nkf pilktyca rccb tc rlbcvl tolsl bcketcrs acr nfjustblkt weto pcwlr ck+ Dremotklss ilvlis nkf `cktrnst nrl snalnfjustblkts tc bngl ea nk nfjustblkt es rlquerlf+

Klwlr slrels mrllk bckcòrcbl bcketcrs fc prlslkt n prcdilb weto tol iemot slksekm XVT+ Vc nòelvlbnxebub dremotklss) dypnss tol cutsefl XVT slkscr+ @ut dcto tol yliicw nkf crnkml werl nkf nttnòtc lnò ctolr nt XVT ekput `ckkl`tcr+ Dy socrtekm cut toes `ckkl`tcr) ycur bcketcr weii nòelvlbnxebub dremotklss+ Ucu `nk nisc bngl tol snbl nfjustblkts ns ndcvl) just dl `nrlaui tont tol`cktrnst es kct slt tc oemo+ Bngl surl tc tu`g tol XVT werl) tont wns ùt) cut ca semot nkf slùrl+

Acr rliendeiety nkf ilss slrve`l `niis ) tol K@T NVB ons dllk prcvlk n ilnflr ca tol pn`g



NVB BN@OEKLP: Vretck

Vol Vretck NVB wns flvlicplf tc put ektc mns stnteck―s nkf dekmc oniis+ Et es kct rlniiy blnkt tc dl noemo vciubl bnòekl) dut toly onvl dllk uslf ek `nsekc―s nkf ctolr nppie`ntecks+ Vol bnjcr feaalrlk`l

dltwllk toes bnòekl nkf tol ctolr―s es tol pnrt―s essul+ Ek bcst `nsls rlpin`lblkt ca tol dic`g nsslbdiy es rlquerlf dy tol tlòkeènk+

Vol ciflr Vretck NVB―P nrl ’XCP‒ cr pcekt ca snil feni"up―s+ Voly onvl tolrl cwk ektlrkni bcflbnkf bcst cplrntecks nrl ruk caa tol bnek dcnrf+ Pcatwnrl `nk dl stnkfnrf) Vretck cr ùstcb bnfl acr tol bnòekl+ Xrcmrnbbekm es n òniilkml nkf tebl `cksubekm+ N inp tcp es usuniiy rlquerlf tc ektlran`lweto tol NVB ven n TP"404 `ndil+ Vol inp tcp `cbputlr es rlquerlf) wolk ònkmekm kltwcrgs tc klwlr scatwnrl) nkf wolk upmrnfekm scatwnrl+ Vol Vretck bnek dcnrf ocif tol prcmrnb nkf rlquerlrlpin`lblkt ck c``nseck+

Vol bnek dcnrf onkfil―s tol bcflb) fespiny frevlr) prc`lsscr) glydcnrf ekput nkf `nrf rlnflr ekput)ns wlii ns) ektlran`l tc tol prektlr `cktrci dcnrf nkf lil`trcke`s jcurkni bcfuil+ Vol fesplkslr es tolbcst rliendil pnrt ca tol bnòekl) dut et nisc ons wlnr pnrts tont kllf rlpinèkm) flplkfekm ck usl+ Vol`nrf rlnflr es n fllp pc`glt swepl typl) tont es vlry rliendil) ns ickm ns) acrlemk bntlreni fcls kct mltektc et /e+l+ plkkels nkf pel`ls ca sbnii pnplr%+

Vol ciflr Vretck glydcnrf mlts wcrk cut ylnriy ek tol `nsekc lkverckblkt) nkf rlquerls rlpin`lblkt+Ptnte` lil`treèty ons dllk gkcwk tc socct torcumocut tol gly dcnrf nkf tngl cut `cbpcklkt \">8 cktol bnek dcnrf+ Vol \">8 E@ /ektlmrntlf èrùet% =6O@>0? socuif dl pin`lf ek n sc`glt acr auturlrlpin`lblkts+

Vretck prektlrs nrl kct bnfl tc ruk `ckstnktiy) nkf `nk durk up ea rnk tcc ickm furekm n lil`trcke` jcurkni fcwkicnf+ Volsl prektlrs) ea wlii uslf) `nk inst ndcut n ylnr ek n `nsekc lkverckblkt+ Voly nrlkct rlniiy aelif rlpnerndil) nkf socuif dl glpt ns ìlnk ns pcssedil weto tol usl ca `nkklf ner+

Vol Vretck Xrektlr ektlran`l X@D es vlry rliendil) nickm weto tol lil`trcke` jcurkni+ Vol I@F fespiny dn`giemot mcls cut ck c``nseck) nkf `nk dl rlpin`lf) wetocut rlpinèkm tol wocil nsslbdiy+ Vol I@Ffespiny `nk mlt iekls ek et) nkf rlquerls rlpin`lblkt+ Volsl fespinys nrl vlry sus`lptedil tc cutseflektlralrlk`l―s) suò ns klck iemots nkf aiucrls`lk`l+

Vol pcwlr suppiy es vlry rliendil nkf socuif cutinst tol ieal ca tol NVB

Vol Vretck bnek dcnrf rlpin`lblkt socuif nisc ekìufl n blnsurlblkt ca tol ietoeub dnttlry) woeòocifs tol bnstlr glys+ ]olk tol bnstlr gly es `crruptlf) toes dnttlry ons rlnòlf tol lkf ca et―s ieal+

Vol Vretck fesplkslr pnrts) woeò nrl bcstiy rlpin`lf) onvl tc fc weto `cktnekblkt ca tol `nsslttl+ Volrneis `nk drlng caa natlr n woeil nkf tol ic`ntcr ìeps) ilat nkf remot sefl) `nk mlt wcrk cut) `nusekm tol`nsslttl tc pcp"cut+ Gllpekm tol fesplkslr ìlnk weii eksurl trcudil"arll cplrnteck+ \sl `nkklf ner nkfìlnk tol rciilrs weto n beif sciuteck+

Ea tol `nsslttl ic`gs etslia ektc tol NVB) ful tc tol rljl`t dek aeiiekm up) n slt ca sefl s`rlws `nk dl



tnglk cut nkf tol `nsslttl weii dl rlilnslf+ Bcrl catlk) tol `nusl ca tol fevlrt aeiiekm es) kct ankkekm tolklw `nso+ Voes klw `nso socuif dl ankklf) torcumo n `cuktlr torll cr bcrl tebl) dlacrl icnfekm ektctol `nsslttl+

Vol 5<88 Vretck NVB―s nrl kct trepil Fls gly `cbpienkt ek 488<+ Bcst weii dl rlbcvlf nkf rlpin`lf dlacrl tolk) ukilss n bcfeae`nteck es nkkcuk`lf+ Voes NVB es nk lxnbpil ca n icw `cst naacrfndil

sciuteck acr mns stnteck―s nkf rlstnurnkts+ Et ons dllk acukf tc dl rliendil dut) tol klwlr Vretck 5188bcflis nrl bu`o dlttlr flsemklf nkf ilss trcudil arll+



PL@VECK 6

CQLTQEL] CANPPLBDIELP: XNML @NTF TLNFLT―P: >

BCKEVCT―P#@TVs nkf I@F―s: 4

ANP@EN―P: 0

XC]LT P\XXIELP: <

Aicppy Frevls: 1

FELDCIF XTC@LPPCT―P: 1

PVX X@D―s: =

@VX XTC@LPPCT: ?

M"PLTELP Xrc`lsscr―s: 5

K@T XTC@LPPCT―P:<888 PLTELP: 5

K@T <188#<?88 XTC@LPPCTP: >>

VTEVCK 5<88: >>

VTEVCK XTC@LPPCTP >>

VTEVCK 5188: >0

ONTF FTEQLs: >0

Feldcif: >0

FELDCIF PCAV]NTL ICNF >6

K@T ONTF FTEQLP: >6

VOLTBNI XTEKVLTP: >6

FELDCIF VOLTBNI XTEKVLTP: >6

K@T XTEKVLTP:CIFLT <888: >1

K@T KL]LT FCV BNVTE_: >=

K@T KL]LT VOLTBNI XTEKVLTP: >=

K@T VTNKPXCTV NPPLBDIELP: >=

VTEVCK XTEKVLTP: >?

VTEVCK FCV BNVTE_# VOLTBNI XTEKVLTP: >?

VTEVCK VTNKPXCTVP >?

FELDCIF FLXCPEVCTU: >5

K@T CIFLT FLXCPEVCTU >5

K@T KL]LT FLXCPEVCTELP: 48

CQLTQEL] CANPPLBDIELP



FEPXLKPLTP: 4>

FELDCIF FEPXLKPLTP BBF 4>

>% XTLPLKVLT: 40

4%Vol Ptn`glr: 46

0% Xe`g Bcfuils: 46

FC\DIL FLVL@V PLKPCT NFJ\PVBLKV: 41

Flaeketeck ca `ckkl`tcrs nrl ns aciicws7 4=

K@T FEPXLKPLT―P:K@T <888 PLTELP: 4?

Vol tolcry ca cplrntecks es ns aciicws7 Fesplksl tlst 45

K@T <888 Fesplkslr tebekm: 08

K@T <1#<?88 FEPXLKPLTP: 0>

Olrl―s n iest ca scbl ca tol slkscrs: Xrlslktlr 04

Tlslttekm tol @cktrci dcnrf: 00

Ilnrkekm Deii Xnrnbltlrs: 00

@urrlk`y Fesplkslr Vlst /pe`g bcfuils nkf `nsslttls ek usl% 06

@ilnrekm KQTNB ck tol Fesplkslr Frevlr Dcnrf: 06

Vlrbekni Olnitoy P`rllk Anuits: 0<

VTEVCK FEPXLKPLT: 0<

CQLTQEL] CA NPPLBDIELP: @NTF TLNFLT―P:

Flplkfekm ck tol bcfli) nkf typl ca `nrf rlnflr ycu nrl wcrgekm weto) slvlrni prcdilbs `nk nresl+ Vol`nrf es ekslrtlf ektc tol torcnt ca tol `nrf rlnflr) nkf tol souttlr bny kct cplk+ Vol souttlr bnyolsetntl wolk cplkekm cr dl lrrnte` ek cplrnteck+ Vol rlnf olnf bny dl fnbnmlf) wcrk"cut cr just kllfìlnkekm+ Vol souttlr nsslbdiy bny kct aerl nt tol scilkcef) ful tc et dlekm ste`gy) ferty cr fnbnmlf+Just mlttekm tol `nrf tc dl ekslrtlf bny rlquerl rlpin`lblkt ca tol prl"rlnf olnf) cr just tol lktryswetò kllfekm nfjustblkt+ Pcbltebls) tol woetl sprekm icnflf rciilr woeò pusols ck tol bnmklte` pcrteck ca tol `nrf es kct turkekm) ful tc fert+

Ck`l tol `nrf lktlrs pnst tol souttlr) et kllfs tc dl pe`glf up dy tol ruddlr rciilrs+ Volsl rciilrs socuif dl glpt ìlnk usekm n beif scnp sciuteck+ Klwlr rciilrs nrl mrllk ek `cicr) nkf tol rciilrs onvl dllkgkcwk tc blit nkf `cbl npnrt+ \sekm tol remot ìlnkekm sciuteck es vlry ebpcrtnkt+ Vol usl ca ìlnkekm`nrfs) `nk ìlnk tol rlnf olnf ck`l tol `nrf lktlrs tol rlnflr nkf es pe`glf up dy tol rciilrs+ Voes `nk dl fckl bnkuniiy) pcwlr socuif dl rlbcvlf) nkf tol `nrf rlnflr tnglk cut acr n `cbpiltl ìlnkekm+

Pcbl `nrf rlnflrs usl dlits cr c"rekms+ Volsl c"rekms `nk mlt cif nkf `rn`g) tc tlst) puii nkf iccg acr `rn`gs ek tol ruddlr+ Ea nky `rn`gs nrl prlslkt) rlpin`l tol c"rekm+ @ilnk tol c"rekm weto n beif scnp



sciuteck) nisc) ìlnk tol mrccvls ca tol puiilys weto n tccto druso+ @nkklf ner wcrgs wlii tc mlt nky’fust dukky―s arcb tol arckt lktry swetò) nkf ìlnrekm nky slksls ukflr tol èrùet `nrfs+ \sl n iemotkyl cei tc iudre`ntl tol scilkcef ea kllflf) dut klvlr usl nky seie`ckl ck tol arckt scilkcef"mntlnsslbdiy) ns toes weii nttrn`t fust nkf `nusl auturl aneiurls+

Piefl `nrf rlnflrs nrl bcrl rliendil tolk tolrl `cuktlrpnrt―s rlintevls) ek tont toly onvl ilss bcvekm

pnrts nkf pcssedeiety ca jnbs+ Nitocumo) ckl `nk ekslrt n plkky ektc tol flptos ca n siefl `nrf rlnflr nkf`nusl nii gekfs ca slkscr dic`gnml+ Pcbl plcpil put ònp ste`g ck tol bnmklte` pcrteck ca tol `nrf) nkftolk siefl et torcumo+ Voes tolk) `cnts tol wcrk rlnf olnf nkf `nk `nusl nii gekfs ca prcdilbs+ Ea nfubby `nrf es ùt ek onia) nkf dnrliy tnplf ek tol beffil et lktlrs tol `nrf rlnflr) dut tolk tol tnpl drlngs `nusekm n `nrf rlnflr jnb+

@nrf jnbs gllp tol >st iekl tlòkeènk vlry dusy+ Bcst plcpil fck―t rlniezl tont tolrl ìud `nrf esnttnòlf tc toler NVB `nrf) nkf lktlr tolb dcto ektc tol `nrf rlnflr+ Ucu wcuif swlnr up nkf fcwk)’ocw fef toly fc tont‒3 Vlnsekm tol `nrf rlnflr `nk `nusl anuits nt tol kltwcrg) nkf tngl tol bnòeklcut ca slrve`l+ ]olk tol `nrf `cbls cut) ycu `nk acr`l et dn`g ek) woeil ocifekm ck tc et) lvlktuniiy tolbnòekl socws n anuit+

Et es n alflrni caalksl tc fnbnml cr vnkfniezl nky typl ca dnkgekm lquepblkt) dut ycu gkcw tol gef―stolsl fnys. Volrl es n stcry ca n bnk woc trelf tc miul nii tol `nrf rlnflrs ck nii tol NVB―s ek n sbniitcwk) dl`nusl ol fefk―t wnkt oes weal tc gllp tngekm bckly cut ca tolrl n``cukt) ol es kcw ek jnei+

@nrf rlnflrs weii rlbnek tc dl n prcdilb ns tol aerst pcekt ca lktry tc tol uslr ca tol NVB+ Gllpekmtolsl flve`ls wlii bnektneklf) socuif rlfu`l 4kf iekl slrve`l `nii) tol rlst es up tc tol mlklrni pudie`+

BCKEVCT―P#@TVs nkf I@F―s:

Pc bnky feaalrlkt bcflis) nkf sc bnky feaalrlkt bcketcrs) prcvefl tol ùstcblr weto n vnrelty ca velwekm pilnsurl+ Tlnfndeiety es ebpcrtnkt) dut ea ycu `nkt rlnf tol bcketcr) ycu cut ca duseklss+Gllpekm tol bcketcr ìlnk nkf dremot socuif dl ebpcrtnkt tc tol cwklr ns wlii ns tol ùstcblr+ Bcsttebls) tolrl es n ank dicwekm fust up ektc tol arckt ca tol bcketcr) nkf et kllfs tc dl rlbcvl nkfìlnklf lvlry torll bcktos) nickm weto tol ektlrecr ca tol ansèn minss+

Bcst ca tol tebl tol @TV#bcketcr es kct dremot lkcumo) nkf kllfs tc dl bcfeaelf cr nfjustlf+ Volliebeknteck ca tol XVT slkscr weii bngl tol bcketcr ns dremot ns pcssedil) wetocut tol usl ca bcrllxplksevl ’Oe"Dretl‒ typl bcketcrs+ Pte`glr typl ’Puk"P`rllks‒) `nk dl nfflf tc scbl bcketcrs) cr tolansèn minss `nk dl ònkmlf tc n ’Xcinrezlf‒ typl+

Voes pcinrezlf minss n`ts tc flal`t iemot nwny arcb tol suk) tous niicwekm tol ùstcblr tc tol s`rllkbcrl ìlnriy+ Bcst ca tol ansèn minss es vlry toe`g) nkf socuif dl upmrnflf tc ìlnr cr mrny) ea tolbcketcr rlquerls nk upmrnfl+ Vol oe"dretl nkf Puk"Xrc bcketcrs `nk `rlntl n wckflraui velwekm s`rllkacr tol ùstcblr) dut nrl vlry lxplksevl) `cstekm tocusnkfs ca fciinrs+

Bcketcr―s ck NVB―s `cbl ek n wefl vnrelty ca sezls nkf òce`ls+ Pcbl onvl tcuò s`rllks nkf `cicr+Pcbl nrl crnkml) mrllk cr mrny bckc"òrcbl typls) woeò nrl tol ilnst lxplksevl+ ]olk bngekm nkynfjustblkts ck nky bcketcr―s) tol usl ca n eksuintlf nfjustblkt wnkf socuif dl rlquerlf+ Pcblnfjustblkts `nk dl bnfl lil`trcke`niiy ck tol arckt ca tol bcketcr+ Vol mrlntlr tol dremotklss ca tolbcketcr) tol octtlr et weii ruk) nkf tol ieglieoccf ca nk lnrielr rlterlblkt+



I@F typl fespiny catlk lbpicy n dn`giemot) woeò `nk scbltebls mc cut+ Volsl I@F typl s`rllks `nknisc dl naal`tlf dy cutsefl ektlralrlk`l) ful tc klck iemots nkf lil`trcstnte` fesònrml+ Vol I@Ffespiny `nk dl `cicr cr bckcòrcbl+

Et es n gkcwk an`t tont Feldcif―s >< ekò @=44>1 bcketcrs weii bcst iegliy nii anei natlr ndcut ><">=bcktos ca cplrnteck ek tol stnkf"nickl >816 bcfli+ Vol rlnsck es tont Grestli) tol bnkuan`turl ca tolbcketcr) klvlr nutocrezlf Feldcif tc put tont bcketcr ek tont bcfli+ Vol rlsuit es) tont wolk ckl ìcslstol ief) et―s iegl sicwiy dngekm n `ngl ek tol cvlk+

Vol sicw fl`ny `nk dl prlvlktlf dy rlbcvekm tol dn`g pintl ek tol tcp ont) nkf ek`rlnsekm tol`npnètcr tolrbni sezls) ek tol swetòekm pcwlr suppiy sl`teck ca tol bcketcr+

Dy ek`rlnsekm tol `npnètcr―s arcb ?< flmrll ` tc >8< flmrll `) ek tol swetòekm pcwlr suppiy sl`teck)nkf prcvefekm bcrl ner aicw ek tol tcp ont) aneiurls ca toes bcketcr `nk dl rlfu`lf+

ANP@EN―P:

@nso pc`glts cplk nkf tol bckly es prlslktlf tc ycu+ Ek tol cif fny―s) n ’Jlsus icvl―s ycu kctl‒) wnsilat dy swlii plcpil) natlr toly mct tolrl bckly cut ca tol `nso pc`glt+ Voes) ca `cursl) tngl―s tol NVBcut ca slrve`l+ Bcst bnòekls) fck―t lbpicy tol `nso pc`glt ck tol ansèn) dl`nusl ca toes rlnsck) nkfmc weto n prlslktlr typl fesplksl tc ustcblr+ N fccr cplks nkf tol `nso es tnglk+

Vnbplrekm) `cuif c`ùr ek scbl `nsls) wolk tol tcp nkf dcttcb kctl rlbnek natlr et es prlslktlf tc tolùstcblr+ Pcbl kltwcrgs weii fllb toes ns) ’bckly kct tnglk‒) nkf `nusl tol trnksn`teck tc dl’rlvlrslf‒+ Pcbl `rccgs onvl mcttlk nwny weto n ict ca `nso usekm toes bltocf+ Bcst tebls) ycu `nkkct fc toes wolk tol fccr cplk―s) dl`nusl et `nk `nusl ’tnbplrekm‒) woeò nisc tngls tol NVB cut ca slrve`l) nkf ycur n``cukt es tol trnksn`teck es klvlr rlvlrslf+

Vol flpcsetcry cplk―s) nkf tol ùstcblr ekslrts nk lkvlicpl aeiilf weto 4<1 ckls weto n pnplr ìepnttnòlf+ Pcbltebls) toes `nk `nusl nkf jnb nkf sout fcwk tol flpcsetcry sc n tlòkeènk ons tc `cblcut nkf rlbcvl et+ Lkvlicpls socuif mc ektc tol flpcsetcry wolk tol souttlr cplks) dut plcpil sc ocwaekf `rn`g―s torcumo tol arckt ca tol NVB) nkf tolrl flpcset mlts stu`g ek arckt ca tol `nrf rlnflr cr scbl ctolr pin`l acr bcktos ck lkf+

N dem rc`g weii fnbnml tol arckt ca nky ansèn ful tc nk upslt ùstcblr+ Acr scbl rlnsck) dnkgs catlkonvl tolb ìcsl"dy ns ycu frevl up tc tol NVB tc usl et+ Ea n rc`g oets― n K@T <188 ek tol ansèn)wolrl tol angl `nrf es ukflr tol `nrf rlnflr) n``lss `nk dl bnfl ektc tol ’DNXL# Glydcnrf‒ nsslbdiy)tous `nusekm scbl bnjcr fnbnml+ Ck`l toes es fckl n ocsl `nk dl ekslrtlf ektc tol arckt ca tol NVB)wlii ycu `nk sll tol rlst+ Nmnek) et es ebpcrtnkt tc gkcw nky vnkfniesb tc tol ansèn ca tol NVB es nAlflrni caalksl+

Vol glydcnrf es pnrt ca tol ansèn+ Bnky tebls tol ckl cr zlrc gly dl`cbl vlry ektlrbettlkt cr fck―twcrg nt nii+ Vol usl ca duddil styil blbdrnkl―s) woeò rlquerl rlpin`lblkt sc buò) es tc dinbl+]olk rlbcvekm nky ca tolsl) tngl `nrl tc tnpl tol arckt duttck―s+ Volsl `cktnek drneiil ekacrbnteck acr tol diekf) nkf `nk anii cut wolk rlbcvekm tol dn`g glydcnrfs+



Ck n Feldcif bnòekl) ea ycu ocif nky gly fcwk acr bcrl tont < bekutls ycu weii tngl tont bnòeklcut ca slrve`l+ Vol rlnsck es) tont tolrl es n < bekutl teblr woeò fltlrbekls ea n gly ons dllk oliffcwk acr tont ickm+ @ol`g tol aneiurl icms acr ’gly stu`g acr bcrl tonk < bekutls‒+ Ucu `nk mlt tol`nii arcb bcst kltwcrgs ns n `nrf rlnflr anuit ) dut tont ‟s klvlr tol prcdilb+ Ucu weii swlnr up nkffcwk tont scbl gef es stcppekm dy lvlry ctolr fny) nkf ocifekm tont gly fcwk) dut rlniiy ckl ca tol

glydcnrfs es tc dinbl+

Bcst ca tol tebl et es tol remot cr ilat sefl glydcnrf+ Pcbl NVB―s fc kct usl ckl sefl) sc rlvlrsl tolslglydcnrfs nkf fes`ckkl`t tol sefl tont es kct dlekm uslf+ Ea ycu steii mlt `niilf acr tol glydcnrf anuit)tolk rlpin`l tol bnek glydcnrf+ Ea steii ycu nrl rl`levekm tol `nii) òl`g tol icms nkf sll ea tolrl es nky`crrlinteck tc tebls ca anuit) `nrf kubdlr lt`+ Ucu bny wnkt tc òl`g tol veflc tnpls tc sll woc―sfcekm et+

@nblrn―s nt scbl NVB―s) tngl n pe`turl nt tol tebl ca tol trnksn`teck fckl dy n `ckkl`tcr nfflf tctol TP"404 `ckkl`teck) woeò iccgs acr n semkni tont n trnksn`teck es tngekm pin`l+ Bcst `nblrn―s nt tolNVB) just velw tol uslr ca tol NVB) nkf kct tol nrln nrcukf tol NVB+ Ucu fck―t sll buò slùretynrcukf tol NVB) woeò wcuif `nusl ilss vnkfniesb cr oe"jn`gekm ca tol ùstcblr) woeil n trnksn`teckes fckl+

Iemotekm ca tol ansèn es ebpcrtnkt tc tol ùstcblr usekm tol NVB+ Bcst tlòkeènks acrmlt ndcut toliemotekm+ Vol aicrls`lkt duids rlquerlf) nrl lnseiy mcttlk nkf n sknp tc rlpin`l+ Vol K@T <188#<?88bcfli usls n ’tocrk‒ typl dniinst+ Ea tol bnòekl es rlslttekm ck et―s cwk ) toes dniinst es kcrbniiy tol prcdilb+ Pek`l tol iemot es ck 46#=) tol tocrk dniinst mlts vlry oct nkf `nk anei+ Et―s dlst tc rlpin`l dcto dniinst―s) lvlk wolk ckl es ckiy dnf) ns tol ctolr ckl weii scck anei+ Vc prlvlkt tolsl klwlr dniinstaneiurl―s) `ckseflr freiiekm ocils ek tol dniinst―s tcp `cvlr tc niicw ner aicw torcumo tol dniinst+

Gllp ycur Ansèn―s ìlnk weto PVX nkf n `cttck ìcto+ Ucu wcuifk―t dlielvl ocw ke`l tol ansèn weiiiccg natlr splkfekm n alw bekutls rlniiy ìlnkekm tol arckt+ Ucu weii npprlèntl et nkf sc weii tolùstcblr+

LKQLICXL FEPXLKPLT―P: /K@T%

Kckl ca tolsl Lkvlicpl Fesplkslrs lvlr rlniiy wcrglf vlry wlii+ Vol ciflr bcflis rlquerlf tont ycumlt ck ycur onkfs nkf gklls tc icnf lkvlicpls ek tol vnuit) bcst ca tol tebl tol ùstcblr lkflf upweto n alw dubp―s ck tolrl olnfs+ Vol klwlr lil`trcke` fesplkslr―s wlrl klvlr quetl remot) ukilss ycuonf tol lkvlicpls plral`tiy ekstniilf) nkf tolk toly steii jnbblf arcb tol ùstcblr tngekm tolb+

Vol sciuteck tc toes prcdilb es fes`ckkl`tekm tol lkvlicpl fesplkslr+ Voes es fckl dy fes`ckkl`tekm tol`ndils tc tol fesplkslr weto pcwlr caa+ Kctoekm lisl es rlquerlf) tol K@T `cbls up iccgekm acr flve`lsnkf toes ckl ons dllk fes`ckkl`tlf+

N ke`l dcx weto n ief es niwnys tol wny tc stcrl nkf ocif tol lkvlicpls acr tol ùstcblr+



XC]LT P\XXIELP:

Bcst bnòekls) tol pcwlr suppiy es tol bcst rliendil nsslbdiy) nkf fcls kct rlquerlf buòbnektlknk`l+ K@T pcwlr suppiy socuif dl rlbcvlf /<188#<?88 slrels% nkf tnglk cutsefl nkf dicwkcut lvlry ylnr+ Vol ank scbltebls stnrts mrekfekm nkf rlquerls rlpin`lblkt+ Bcst NVB pcwlr suppielscaalr n rnkml ca vcitnmls+ Volsl `nk dl blnsurlf nt letolr tol pcwlr suppiy) cr `ckkl`tcr flplkfekm ck

tol typl ca bcfli+ /Ciflr% K@T bnòekls) onvl tlsts pcekts nt tol rlsestcrs tcp―s nt tol lfml ca tol pcwlr suppiy) tol vcitnmls nrl spliilf cut nkf lnseiy blnsurlf+ Vol pcwlr suppiy nkf `nrf `nml swevlinrcukf tc niicw n``lss tc tolsl blnsurekm pcekts+

Vol klw styil K@T―s onvl n woetl ? pek `ckkl`tcr weto n ILF bcuktlf eksefl tol fccr) tol mrllkiemot ekfe`ntl―s pcwlr nkf rlf iemot ainsoekm `nk socw n socrt+ Volsl vcitnmls) nk dl blnsurlfferl`tiy nt tol `ckkl`tcr weto n FQB+ Vol vcitnmls prlslkt socuif dl7 '<QF@) '>4QF@) ">4QF@)'46QF@+ Tlblbdlr tont n ainsoekm iemot ck toes `ckkl`tcr) blnks tolrl es n ferl`t socrt scblwolrl ektol NVB) kcrbniiy tol dniinst es socrtekm) ful tc nk ektlrkni aneiurl weto tol pnrt+ Fes`ckkl`t tol twcekput werls tc toes nsslbdiy tc aex toes typl ca prcdilb+

Vol flpcsetcr ’din`g dlnuty‒ 48 pek `ckkl`tcr ck bcst Feldcif NVB―s `cktneks nii gkcwk vcitnmlsacr tol pcwlr suppiy) nkf `nk dl uslf tc fltlrbekl `crrl`t pcwlr suppiy ilvlis+

Aicppy Frevls:

Ciflr inrml aicppy frevls tlkf tcp anei ful tc nml ck tol ciflr K@T bcflis+ Vol frevl nsslbdiels justfck―t turk) cr wckt rlnf tol fesg+ Volrl es n `ckkl`tcr wolrl ycu `nk òl`g acr < nkf >4 vcits+ Bnglsurl tol aicppy es put ek weto tol ste`glr tc tol onkfil) ns scbltebls tol ùstcblr aieps tol fesg) nkftolk et `nk―t dl rlnf+ Nisc) tol onkfil scbltebls `nk dl dubplf) sc fcudil òl`g tont+ Vol rlf iemotekfe`ntls tont tol frevl es dlekm rlnf arcb+

Klwlr aicppy frevl `nk nisc anei ful tc usl nkf nml+ Bcst NVB―s onvl toes sbniilr fesg rlpin`lf ck nwllgiy dnses acr lil`trcke` jcurkni stcrnml+ Vol aicppy frevls socuif dl dicwk cut plrecfe`niiy+ Bnkytebls fnbnmlf fesgs nrl ekslrtlf nkf mlt `numot ek tol aicppy frevl+ Vol aicppy frevl `nk dlfesnsslbdil tc rltrelvl tolsl fesgs+ Pcbltebls fesgs tont nrl auii) nrl uslf `nusekm wretl lrrcrs) nkf pctlkteni bnòekl ic`g"ups+ Bcst tebls) fesgs nrl lrnslf nkf rl"uslf) tolsl fesg―s `nk stnrt socwekmwlnr nkf tlnr natlr tebl) nkf socuif dl rlpin`lf weto klwlr arlsolr ckls+

Vol fesg `cktneks tol ekacrbnteck arcb trnksn`tecks `ckfu`tlf nkf nky ektlrvlkteck ca tol NVB+ Acr lxnbpil) wolk tol NVB es put ek suppiy) cr tol vnuit es cplklf) toes ekacrbnteck es wrettlk tc tolaicppy fesg+ Bcst tebls) tol fesg `nk dl tnglk tc nky `cbputlr nkf tol ekacrbnteck rlnf dy usekm’kctlpnf‒+ Feldcif―s usl ca tol CP4 cplrntekm systlb) niicws tol tlòkeènk tc cplk tol aeils ck tollil`trcke` fesg) nkf velw tol aeils tc fltlrbekl trnksn`teck nkf anuit tebls+

]nrkekm―s tont `lii nkf Klxtli pockls) `nk fnbnml tol fesg―s nkf lrnsl nii fntn stcrlf ck tolsl fesgs ea toly mlt tcc ìcsl+ Aicppy fesgs socuif dl indlilf weto tol ’ek‒ nkf ’cut‒ tebls) tous trn`gekm tolrlusnml+



Ea ycu lk`cuktlr n Feldcif bnòekl tont ons n auii lil`trcke` jcurkni) ycu `nk mc ektc tol Cs4cplrntekm systlb nkf acrbnt tol fesg+ Ucu weii icsl nii ekacrbnteck ck tol fesg) dut ea ycu fck―t onvl nklw fesg tc put ek) toes `cuif snvl ycu scbl tebl ek drekmekm up tol bnòekl ektc slrve`l+

FELDCIF XTC@LPPCT―P:

Vol lvciuteck ca tol NVB ons glpt up weto tol lvciuteck ca tol `cbputlr+ Vol usl ca `cbputlrs ekNVB―s es kcw `cbbck pin`l+ Vol ciflr Feldcif PVX prc`lsscr dcnrfs be`rc `cbputlrs) onvl kcw dllk rlpin`lf dy `cbputlrs+ Volsl `cbputlr―s nrl tol snbl ckls uslf ek tol ocbl) acr tol bcst pnrt+Flplkfekm ck tol bcfli) prc`lsscr dcnrfs `nk anei acr n vnrelty ca rlnscks+ Bcst klwlr prc`lsscrs)onvl tol frevlr òeps remot ck tol dcnrf) tous rlfuèkm bcrl dcnrfs rlquerlf+

]olk nky Feldcif prc`lsscr es rlbcvlf) nii tol Flsgly) Bnòekl Kubdlr) Xnsswcrfs nkf kltwcrg icnf ekacrbnteck es icst) dl`nusl toly nrl olif ek tlbpcrnry rnb blbcry+ Vol Onrf frevl `cktneks niictolr bnòekl cplrntekm scatwnrl+ PVX dcnrfs) usl TCB" rlnf ckiy blbcry òeps) acr tolrl cplrntekmscatwnrl+

PVX X@D―s:

Feldcif PVX dcnrfs `nk `nusl prcdilbs acr tol bcketcrs) nkf rlquerl rlpin`lblkt+ Vol bcketcr―s weiircii ful tc tol flal`tevl dcnrf + Volrl nrl twc O@>6??) nkf O@>6?5 /\"<> nkf \6? nrl >6?5 nkf \"<8 es n >6??%) TP404 `cbbuke`nteck iekl frevlr òeps ck toes dcnrf) tont `nk anei furekm n iemotekmstcrb+ Volsl >1 pek òeps `nk dl ònkmlf lnseiy sek`l toly nrl ek sc`glts+

Niwnys onvl prektcut ca tol FEV―s ekacrbnteck acr tol NVB woeil ck setl cr nt tol NVB) cr try tc prektcut tol fets dlacrl rlpinèkm toes PVX dcnrf+ /kctl: toes weii snvl tebl%

]olk ònkmekm tol PVX dcnrf) strnppekm es vlry ebpcrtnkt+ Vol dlst toekm tc fc es put tol klw dcnrfremot klxt tc tol ckl dlekm rlpin`lf) nkf strnp tol dcnrf lxn`tiy tol snbl wny+ Feaalrlkt prctc`cis nrluslf flplkfekm ck tol kltwcrgs) sc tol strnppekm es tol aerst toekm tc ònkml+Bcvl nii tol LLXTCB―s /lil`tre`niiy lrnsndil rlnf ckiy flve`ls%) /\68"60 nkf \"=%) arcb tol cremekni dcnrf tc tol klw dcnrf) ckl nt n tebl+ /Kctl scbl dcnrfs onvl n blbcry lxpnkseck dcnrf% Xrcb 0 es prctc`ci flplkflkt dlicw vlrseck 0+4 nkf prcb 6 es flplkflkt ndcvl vlrseck 0+4+ Pwnppekm tolslLLXTCB―s es tol dlst wny tc nssurl `crrl`t prctc`ci slt"up+

Ea ycu nrl icsekm blbcry ck tolsl dcnrfs) òl`g tol dnttlry nkf rlpin`l ns kllflf+ Vol usl ca nonkfolif glypnf /GFB% es rlquerlf acr fet ekslrteck nkf gly kubdlrs+ Ainsoekm onppy iemots nrlmrllk) nkf `cbbuke`nteck iemots nrl rlf+ Flplkfekm ck bcfli) tol aciicwekm fets weii kllf upfntekm7

@TF)FLX)@TV)GUD)XTV>)XTV4)O@B)A@N)PUP>)4)0)6)

Niwnys rlslt tol prc`lsscr natlr nky rlprcmrnbbekm tc nssurl blbcry es slùrl+ Volrl es n rlf rlslt duttck ck tol PVX prc`lsscr+

@cksuit n Fet prcmrnb muefl acr ekacrbnteck plrtnekekm tc fet nssemkblkts acr tol vnrecus feaalrlktbcketcrs) `nrf rlnflrs) glydcnrfs nkf ansèn―s+ O@B) es oemo sefl `cbbuke`ntecks nkf `cktneks tolnffrlss nkf pcii ekacrbnteck) sc tont `cbbuke`nteck `nk c`ùr dltwllk tol ocst nkf kltwcrg+



Natlr tol PVX tlòkcicmy lvcivls tc tol `cbputlr onrf frevl nml) tol scatwnrl nkf prcmrnbbekm dl`cbls bcrl ekvcivlf weto tol olip ca EDB nkf Feldcif `rlntekm tol klw E"slrels NVB―s+ Vol prcmrlsseck tc n NVX) /Nfvnk`lf tlrbekni Xrc`lsscr% 0?1 prc`lsscr ek >55>) prcveflf tol scatwnrl acr tol DVX /Dnse` Vlrbekni Xrc`lsscr%+ Voes klw DVX prc`lsscr fefk―t rlquerl n GFB /GlydcnrfEktlran`l Flve`l%

Vol Feldcif DVX prc`lsscr) tngls n ickm tebl tc dcct) ns `cbpnrlf tc tol ekstnktnklcus dcctekm ca tolPVX prc`lsscr+ Vol onrf frevl `cktneks tol cplrntekm systlb) woeil tol FEV―s nkf flsglys nrl olif ektwc slpnrntl rnkfcb n``lss nrln―s+ Pcbltebls) ycu `nk icsl tol FEV―s nkf flsgly―s arcb n pcwlr oet+Bcst tebls) tolsl kllf tc dl just rlprcmrnbblf tc drekm tol bnòekl dn`g up+

Lbuinteck ca tol ciflr bcfli Feldcif 5>> es lbpicylf ck toes prc`lsscr+ Voes fls`redls tol wny ekwoeò tol `nsslttls ek tol fesplkslr pe`g tol deiis+ Volrl nrl kcrbniiy twc `nsslttls) woeò nrl indlilfoemo /upplr `nsslttl% nkf icw /icwlr `nsslttl%+ Klwlr lbuinteck es Feldcif 5>4) woeò nk slt tolbnòekl up tc fesplksl `cupcks+

Lnò NVB socuif onvl n prektcut ca tol FEV―s acr auturl rlalrlk`l+ Vol Fls Gly `nk dl mcttlk arcbtol kltwcrg woc frevls tol NVB+ Bcst tebls) tolsl gly―s nrl mlklre` nkf ekslrtlf ns letolr 8"5 nkf N"A cr nii >―s+

@VX XTC@LPPCT:

Vol @VX prc`lsscr usls n onrf frevl woeò `cktneks nii tol prcmrnb ekacrbnteck lx`lpt acr tolFlsgly―s) bnòekl kubdlr nkf n pnsswcrf slùrety ekacrbnteck+ Nii toes ekacrbnteck es icst ck`l tol dcnrf es rlbcvlf arcb tol NVB+

]olk rlpinèkm toes dcnrf) bngl surl tont tol strnppekm ) rnb nkf prc`lsscr bntò up+ Pcbl dcnrfsusl n >??Boz cr 400Boz prc`lsscr dcnrf+ Volsl dcnrfs nrl EDB flsemklf dcnrfs acr tol klw E"slrelsNVB―s+ Tnb es bcuktlf ck Pebb =4 pek typl pn`gnmls) nkf `nk dl lnseiy bcvlf arcb ckl dcnrf tcnkctolr+

Aneiurls ca toes dcnrf catlk c`ùr ful tc ’rnt―s‒ mlttekm ck tolb) nkf `nusekm òep aneiurl―s+ Vol prc`lsscr dcnrf sllbs tc dl aneriy rliendil ctolrwesl+ Pcbl dcnrfs lxplrelk`l `cbbuke`nteck essuls) prlvlktekm tolb arcb tngekm n icnf+ Ctolr―s) `nk `nusl fespiny essul―s) sek`l tol frevlr òeps nrl ck tol prc`lsscr dcnrf+

]olk rlpinèkm toes prc`lsscr dcnrf) et―s dlst tc tngl tol wocil `cbputlr nsslbdiy cut ca tol NVBnkf put et ck n tndil tcp+ Voes nsslbdiy es ckiy olif ek ck tol arckt ilat) nkf ckl s`rlw ocifs tol `nmlfcwk ck tol dn`g ilat `crklr+ Tlpinèkm toes dcnrf nt mrcukf ilvli es tebl `cksubekm) ful tc tol knturlca tol `nml surrcukfekm tol prc`lsscr dcnrf+Vol ’`cbb‒ `ckkl`tcr ck tol slreni pcrt es kcrbniiy kct uslf ck scbl dcnrfs) nkf es acukf bessekm ckctolrs) toes es uslf acr nk upmrnfl) nkf socuif kct dl rlquerlf+

Bngl surl tc bnrg tol reddck `ckkl`tcr―s ck tol prc`lsscr dcnrf dlacrl fes`ckkl`tekm acr anstlr rlnsslbdil+ Volrl es n reslr `nrf) nkf ektlran`l `nrf) woeò kllf tc dl slùrlf ek pin`l furekmnsslbdiy+ Bcst klw prc`lsscrs fc kct rlquerl nky rlprcmrnbbekm tc tol DECP) ukilss n tolrbni prektlr es dlekm uslf+ Ea n tolrbni prektlr es uslf) tol pnrniili prektlr pcrt) ek tol DECP) socuif dlònkmlf tc de"ferl`teckni acr prcplr prektlr cplrnteck+



Ck`l tol @VX prc`lsscr ons dllk ònkmlf tol Fls"Glys―) bnòekl kubdlr) nkf slùrety mrcupkubdlrs) `nk dl rlprcmrnbblf ektc tol NVB+ Vol onrf frevl socuif kct dl naal`tlf dy ònkmekm tol prc`lsscr dcnrf+ Niwnys) rlslt tol NVB natlr slttekm fet ekacrbnteck) tc nssurl et es stcrlf `crrl`tiy+

M"PLTELP Xrc`lsscr―s:

Ckl lkmekllr) wcrgekm nt Feldcif arcb tol nlrcspn`l ekfustry) onf n mrlnt eflni wolk tol klw prc`lsscr `nbl cut+ Ol bnfl et bcrl slrve`lndil acr tol tlòkeènk) dy usekm que`g rlilnsl tnd―s) nkfturklf tol prc`lsscr `nrf upsefl"fcwk) sc rnts `cuifk―t fc tolrl duseklss‒+ Vol klwlr `cbputlrs nrlmrlnt nisc) dl`nusl ycu `nk n``lss tol onrf frevl nkf aicppy frevl―s weto"ek sl`ckfs+

Vol klw Bcflis arcb Feldcif caalr @F"frevls acr prcmrnbbekm) woeò bngl acr que`glr ekstniintecks+Vol klw M"slrels prc`lsscr nisc usls n frevlr `nrf acr tol bcketcrs) woeò `nk liebekntl tol kllf acr n prc`lsscr rlpin`lblkt+ Volsl klwlr slrels prc`lsscr sllb tc dl vlry rliendil) nkf sbnrt ek flsemk) ns`cbpnrlf tc tol @VX flsemklf prc`lsscr+

K@T XTC@LPPCT―P:

<888 PLTELP:

Ciflr K@T prc`lsscr dcnrfs wcrglf ek n `nrf `nml nickm weto nk E#C dcnrf+ Flplkfekm ck tolblbcry rlquerlblkt) tolsl prc`lsscr dcnrfs fef kct ònkml acr slvlrni ylnrs+ Tnb wns ek`rlnslf ckbnky ca tol dcnrfs tc suppcrt kltwcrgs nkf UG4+ Pcbl ca tol prc`lsscr dcnrfs onvl n slrels ca ILF―s) cr lvlk rnb nfnptlr dcnrf) woeò bcukt―s tc tol tcp ca tol dcnrf+ Nk lxnbpil ca TNB es tol<>4g kntevl X@D dcnrf

Vol ciflr K@T prc`lsscr sllbs tc dl vlry rliendil wolk glpt `cci+ Bngl surl dcto ank―s) cr nt ilnstckl) nrl wcrgekm dlicw et+ ]olk toes `nrf es puiilf) tol `ckaemurnteck ekacrbnteck es icst+ Voesekacrbnteck `nk nisc dl lrnslf dy n swetò ck tol remot sefl ca tol `nrf `nml+ Voes es tol blbcry lrnslswetò) nkf socuif niwnys dl ek tol ’fcwk‒ pcseteck+ Vc lrnsl blbcry) turk toes swetò tc tol ’up‒ pcseteck) tolk pcwlr fcwk tol NVB+

Ea tol rlf ilf fespiny sny―s ’Xrlss">‒) tolk nii tol `ckaemurnteck ekacrbnteck ons dllk lrnslf) nkfrlquerls rlprcmrnbbekm nt tol arckt ca tol NVB torcumo tol ùstcblr glypnf+ Voes ekacrbnteckekìufls onrfwnrl) nkf `cbbuke`nteck `ckaemurntecks) nickm weto tol `cbbuke`nteck nffrlss + Ck`ltoes ekacrbnteck es ekslrtlf) tol NVB bust dl rlslt+

Vol prc`lsscr dcnrf `nk dl rlspcksedil acr `cbbuke`nteck essuls weto tol kltwcrg+ Niwnys try tcrlslnt tol prc`lsscr X@D ek tol `nrf `nml) nkf òl`g acr nky durklf E+@+ `cbpcklkts+

Vol E#C dcnrf `nk dl festekmuesolf dy n ict ca flve`l reddck―s mcekm tc et) cr tol X@D ck tol ilat sefl ca tol `nrf `nml+ Voes dcnrf `ckkl`ts tc nii tol flve`ls weto reddck `ndils) nkf es bcuktlf ektc tol `nrf`nml weto tol prc`lsscr X@D+ Ek bcst `nsls toes dcnrf es vlry rliendil) dut scbl flve`ls `nk ic`g up)cr tol wocil prc`lsscr `nk ic`g up) ful tc toes dcnrf+

Ck frevl up bcflis) tol `nrf `nml nsslbdiy nkf pcwlr suppiy) `nk dl ieatlf nkf tolk nii tolslnsslbdiels weii spek nrcukf niicwekm lnselr n``lss+ Ck ]nig"up bcflis) tol sefl pnkli `nk dl lnseiytnglk caa tc niicw tol tlòkeènk n``lss tc tol `nrf `nml+



Vol bcst ebpcrtnkt toekm tc rlblbdlr ndcut toes dcnrf es bngekm surl tol `ckkl`tcr―s nrl bnrglf nkfslntlf `crrl`tiy) wolk rlbcvekm cr rlpinèkm+ Xek―s `nk nisc dl dlkt vlry lnseiy wolk toes dcnrf es dlekm rlpin`lf) sc òl`g acr strnemot peks ck nii tol `ckkl`tcr―s precr tc rlpinèkm tol E#C dcnrf+ Nisc)tol usl ca `ndils nkf reddcks) `nk bngl acr n vlry `ckausekm rl"nsslbdiy) ea kct bnrglf prcplriy+

Vol E#C dcnrf es rlspcksedil acr tol `cbbuke`nteck nkf frevekm ca tol aciicwekm flve`ls7

Bes`+ E#A Dcnrf) Fesplkslr) Flpcsetcry) B@T] /`nrf rlnflr%) Icufsplnglr) Anèn glydcnrf)

Cplrntcr E#A dcnrf nkf tol @TV /bcketcr%

Ea ycu nrl icsekm blbcry ful tc pcwlr aneiurls) tol dnttlry ek tol `nrf `nml socuif dl ònkmlf+ Voes dnttlry `nk dl ìepplf"cut) nkf bcuktlf ck tol remot sefl ca tol `nrf `nml+ \sl tol `nrf `nml mrcukf)nkf ckl sefl ca tol dnttlry swetò+ Voes socuif snvl n ict ca tebl wolk rlpinèkm toes dnttlry+

K@T <188#<?88 XTC@LPPCTP:

Vol K@T lvciuteck ca tol prc`lsscr tc n `cbputlr) weto n onrf frevl nkf aicppy) es just iegl tolFeldcif bcflis+ Vol dem feaalrlk`l es tont tol onrf frevl socuif klvlr kllf tc dl `cpelf nkf glpt wetotol NVB) ns ickm ns tol cremekni scatwnrl es ck"setl+

Vol 1"? fesgs tont K@T slii―s weto lnò bnòekl) socuif stny nt tol NVB ea tol tlòkeènk lvlr kllfstolb+ Vol scatwnrl es lnsy tc ekstnii) nkf fcls rlquerl buò rl"prcmrnbbekm ck`l et ons dllk ekstniilf+Lnò bnòekl socuif onvl et―s cwk slt ca flfe`ntlf scatwnrl fesg pn`gs+

Vol K@T prc`lsscr usls rnb sebb pek pn`gnmls) tc ek`rlnsl tol blbcry rlquerlblkt) bcst nrl 6"?BD ca rnb+ Vol prc`lsscr es vlry rliendil) nkf rnrliy rlquerls rlpin`lblkt+ Vol `cbputlr es olif ek dytwc s`rlws) nkf siefls cut lxpcsekm tol tcp ief+ Voes tcp ief `cktneks tol onrf frevl nkf aicppy fesg frevl+ Vol prc`lsscr `nk dl 0?1) 6?1) cr Xlkteub typl spllfs flplkfekm ck fntl nkf bcfli scif+

Natlr rlslttekm tol K@T) furekm tol ‟Xcwlr "up‒ slqulk`l) `lrtnek bcfuils nkf dcnrfs nrl tlstlf) tcfltlrbekl toly nrl slil`tlf+ Ea tolrl nrl nky essuls cr prcdilbs) tol prcmrnb bny stcp) pnusl cr ekfe`ntl wont tol prcdilb bny dl+ Natlr nii tol dic`gs nrl icnflf) tol I@F s`rllk ck tol rlnr ca tolNVB socuif socw tol ’Plil`t‒ blku+

Acr lxnbpil) ’ kc glydcnrfs nttnòlf‒) bny ic`g up tol prcmrnb furekm tol ’pcwlr"up‒ slqulk`l+Voes bny dl ful tc tol dnpl X@D dcnrf nt tol glydcnrf) cr tol glydcnrfs tolbslivls+ Nt ilnst ckl"glydcnrf bust dl nttnòlf furekm tol ’Xcwlr"up‒ slqulk`l+

Vol usl ca PF@ /slreni fntn @cbbuke`ntecks% `ckkl`tcrs tc lnò ca tol flve`l) cr /sinvl kcfls%) esfckl arcb tol prc`lsscr ck ckl bnstlr PF@ kcfl+ Vont blnks tont ckl flve`l `nk ic`g up tol wocil prc`lsscr dl`nusl toly nrl nii fnesy òneklf tcmltolr+ Fes`ckkl`tekm ckl flve`l nt n tebl `cuif escintltol prcdilb+

Vol K@T prc`lsscr ons dllk prcvlk ns vlry rliendil nkf lnseiy slrve`lf +



VTEVCK XTC@LPPCTP:

VTEVCK 5<88:

Vol ciflr Vretck 5<88 usls n `cbdeknteck prc`lsscr dcnrf) woeò es rlspcksedil acr onkfiekm nkf

`cktrciiekm bnky flve`ls+ Vol bcflb es bcuktlf ck tol dcnrf) nickm weto frevlrs) acr tol fespiny nkfglydcnrf ekput fl`cflrs+ Vol dcnrf onkfil―s tol `nrf rlnflr ekput) ns wlii ns) tol ektlran`l weto tolfesplkslr nkf lil`trcke` jcurkni+

Voes es n ’XCP‒ cr /pcekt ca snil% ckiy NVB) woeò blnks et feni―s up tol kltwcrg ck n ’XCVVP‒/pinek cif tlilpockl slrve`l%) `ckfu`tekm tol trnksn`teck weto tol kltwcrg+Vol Vretck 5<88 bnek dcnrf#prc`lsscr ons twc rlveseck―s+ Vol ciflr ’@‒ rlveseck `nk dl rl`cmkezlf dytol fespiny frevlr `cei bcuktlf ferl`tiy ck tol bnek dcnrf+

Voes `cei prcvefls tol stlp"up vcitnml tc tol dn`giemot ck tol I@F fespiny) nkf wns acukf tc dl n prcdilb ck tolsl dcnrfs+

Ek scbl `nsls tol rlveseck ’@‒ dcnrf wlkt up ek ainbls) ful tc toes oemo vcitnml `cbpcklkt ck tolbnek dcnrf+ Vol klwlr rlveseck ’F‒) bcvlf toes `cbpcklkt caa tol bnek dcnrf) nkf bcuktlf et dloekftol I@F fespiny ek n dcx+

Vol prc`lsscr dcnrf es feaaeùit tc rlbcvl) nkf nii werls nkf `ckkl`tcrs socuif dl bnrglf dlacrlrlbcvni+ Bcst ca tol prcdilbs nrl scatwnrl rlintlf nkf rlquerl tol prc`lsscr dl rl"prcmrnbblf+ Volietoeub dnttlry ocifs tol bnstlr glys) woeò `nk dl icst ck`l toes dnttlry dl`cbls n prcdilb+

Xrctl`teck ca tol scatwnrl es fckl dy tol LLXTCB n``lss `cfl+ Voes `cfl niicws tol uslr tc lrnslscatwnrl) nkf ekput klw scatwnrl) ven tol pockl iekl) cr ektlran`l ca n inptcp `cbputlr+ Vol n``lss`cfl socuif dl gkcwk) dut ònkmekm cr swnppekm tol LLXTCB )\"> tc nk lnrielr vlrseck /dlacrl@F80+88%) `nk niicw tol uslr tc usl tol >"1 `cfl tc n``lss tol blku ca cptecks+ @oniilkml kubdlrsblnk ycu fck―t onvl tol remot `cfl nkf letolr) kllf tc rlpin`l tol LLXTCB) cr `nii Vretck+

Flplkfekm ck tol kltwcrg) stnkfnrf Vretck cr flfe`ntlf scatwnrl es prcmrnbblf ektc tol prc`lsscr dcnrf+ Vc rlicnf toes scatwnrl) tol ’>‒ nkf tol rlslt duttck kllf tc dl prlsslf) nkf tolk tol ’>"1‒n``lss `cfl kllf tc dl lktlrlf+ Nii blbcry kllfs tc dl ìlnrlf dy prlssekm ’46<<‒ ek tol ìlnr blku―s+ Pcatwnrl tolk `nk dl icnflf dy Vretck cvlr tol pockl iekl) cr usekm n inptcp `cbputlr ektlran`l+

Ck`l tol scatwnrl es icnflf) bcrl prcmrnbbekm es rlquerlf+ Voes prcmrnbbekm es vlry feaaeùit) sek`let `nk ckiy dl fckl torcumo tol arckt aint ùstcblr duttcks+ Lvlrytoekm kllfs tc dl lktlrlf arcb toltlrbekni kubdlr) ùstcblr pnsswcrfs) wli`cbl s`rllks nkf pockl kubdlrs tc tol bnstlr glys+ Dlacrlrlpinèkm nky bnek dcnrf) niwnys try tc mlt n `cpy ca tol rl`lept prektcut uslf ek tol fenmkcste`s bcfl+Voes prektcut weii olip ek rlprcmrnbbekm tol klw dcnrf+

Niwnys ilnvl n `cpy ca tol prektcut ek tol NVB acr auturl rlalrlk`l+



VTEVCK 5188:

Bcrl rliendil nkf lnselr tc rlpin`l Vretck bnfl scbl bnjcr strefls ek tol ebprcvlblkt ca tolrl prc`lsscr systlb arcb tol 5<88 tc tol 5188 NVB+ Vol prcmrnbbekm bltocf es bcstiy tol snbl) dutwont ons ònkmlf es tol onrfwnrl ek tol NVB+ Vol prc`lsscr es kcw pnrt ca torll `nrfs) ekfevefuniiybcuktlf nkf lnseiy rlbcvndil+ Vol rlnfndeiety ca tolsl `nrfs) bngls Vretck bcrl wefliy n``lptlf

nbckm tol tlòke`ni `cbbukety+

Bcst ca tol fespiny essuls ck tol 5188 nrl acukf nt tol PPB"0 `nrf ek tol prc`lsscr `nml+ Voes `nrf es nbcflb nkf fespiny frevlr acr tol bckcòrcbl cr `cicr I@F fespiny―s+ Ucu kllf tc gkcw wont gekf ca fespiny es ek tol Vretck dlacrl ycu crflr tol `nrf rlpin`lblkt+ Vol `cbbck essul nrl flnf s`rllk) cr iekls torcumo tol s`rllk+ Vol `nrf `nk dl crflrlf wetocut tol bcflb) woeò `nk dl piummlf ek furekmtol swnp+

ONTF FTEQLP :

Feldcif:

Bcrl catlk n ’ektlrkni glrkli ’ lrrcr) furekm n dcct up es n `crruptlf prcmrnb ful tc tol onrf frevl+ Nrl"acrbnt ca tol frevl) nkf rlprcmrnb fcls kct munrnktll tont tol frevl weto dl n prcdilb ek tol auturl+Bnky tebls) onrf frevls anei ful tc tolb rukkekm 46#= nkf toly tngl n pcwlr aneiurl+ Vol frevl `cuif dl rlpin`lf nt toes pcekt) ea n dn`g up wns put ek tol NVB+ Et es vlry ebpcrtnkt `ckseflrnteck tc gllp nlxtrn cr dn`g"up frevl ek n Feldcif NVB) ful tc tol `cst ca rlprcmrnbbekm nkf prcpreltnry scatwnrl+Bnky tebls) slrve`l ekstetutecks nrl acr`lf tc `nii Feldcif wolk lvlr n onrf frevl kllfs rlpin`lblkt+Vol prc`lfurl uslf dy Feldcif es tebl `cksubekm nkf vlry lxplksevl+

Vol rlquerlblkts acr `cpyekm tol onrf frevl nrl tol Aciicwekm :>% Feldcif rl`cvlry dcct fesg > nkf 4+4% Pnbl sezl cr inrmlr onrf frevl+0% Feldcif NVB weto glydcnrf

Ns ycu `nk sll) tolrl es iettil rlquerlf tc `cpy tol lxestekm onrf frevl ck tol Feldcif NVB+ ]olkFeldcif `cbls cut tc prcmrnb ycur NVB) toly usl n inptcp nkf ebnml @F fesgs woeò `cktnek tol`ckaeflkteni prcmrnbs rlquerlf tc prcmrnb tol NVB+ Voes `nk tngl cvlr nk slvlrni ocurs ek scbl`nsls+ Voes es nk lxnbpil ca wont Feldcif bemot plracrb ea toly `nbl cut tc rlprcmrnb ycur NVB:

FELDCIF PCAV]NTL ICNF

>% \sl rl`cvlry dcct fesgs nkf acrbnt frevl4% \sl rl`cvlry dcct fesgs nkf pnrteteck tol frevl /<88#085%0% Iekg inptcp weto @F tc pnrniili pcrt6% @ickl @F tc onrf frevl usekm lxtrn`teck prcmrnbs /48"08 bek%<% Icnf P_N ek nppie`nteck aeils1% Nfjust onrfwnrl `ckaemurnteck



=% Plt vertuni flve`ls torcumo `cksublr s`rllk?% Plt"up V@P acr lnò flve`l5% Plt @PPLFV acr pcii nffrlss nkf prctc`ci>8% Tldcct nkf slt"up P_N flve`l pnrnbltlrs>>% Plt FlsGlys nkf pnsswcrfs weto bnòekl kubdlr >4% Qlreay cplrnteck+

Natlr nii toes) ycu steii kllf tc mlt n icnf nkf vlreay cplrnteck+ Ek scbl `nsls) tol ùstcblr ons dcumottol remots ca tol scatwnrl wolk tol NVB wns purònslf torcumo Feldcif+ Vol usl ca n ZEX frevl cr @F`cuif dl n nitlrkntevl tc ilnvekm n onrf frevl ek lvlry bnòekl+

K@T ONTF FTEQLP:

Volrl es kctoekm splèni rlquerlf wolk rlpinèkm tol K@T onrf frevl ea et `rnsols+ Ucu just kllf tcfupie`ntl tol lxestekm sezl ca tol onrf frevl) cr put n inmlr ckl ek tol `cbputlr+ N scatwnrl pn`gnml)woeò socuif dl weto tol NVB) weii prcmrnb tol klw onrf frevl+

VOLTBNI XTEKVLTP:

FELDCIF VOLTBNI XTEKVLTP:

Vol tolrbni prektlr uslf dy Feldcif es bnfl dy tol Nxecob `cbpnky+ Voly onvl semklf nt ilnst n =ylnr nmrllblkt weto Feldcif) kct tc slii pnrts cr prcvefl ekacrbnteck ck tolrl tolrbni prektlrs+ Volsl prektlrs `nk onvl nii gekfs ca essul―s flplkfekm ck tol bcfli nkf typl ca pnplr dlekm uslf ek tolb+ Volusl ca < tocusnkfs ca nk ekò toe`g kck"din`g bnrg pnplr es tol dlst acr mccf plracrbnk`l+ Vol usl ca `cupck toek +880‒ pnplr `nk `nusl din`g bnrg prcdilb―s) nkf jnbs nt tol lxet trnkspcrt ca tol prektlr―s+

Volrl nrl twc inycuts ca tol tolrbni prektlrs) flplkfekm ck woeò sefl tol prektlr es ck+ Acr stnkf"nickl >816 Bcflis) tol prektlr `cuif dl ck tol ilat cr remot sefl+ Vol >816 Bcfli tont usls tol inrml><‒ bcketcr) ons tol tolrbni prektlr ck tol remot sefl+ ]olk usekm `cupck pnplr) tol din`g bnrg slkscr bny dl`cbl ektlrbettlkt) cr anei socwekm n ’tcp ca acrb stu`g woetl‒+ Voes blnks tont tol din`g bnrg slkscr rlquerls nfjustblkt+

Et ons dllk acukf tont turkekm tol slkscr `cuktlrìc`gwesl) nt nk nkmil iccgekm nt tol lfml ca tol din`g bnrg ck tol pnplr socuif aex toes prcdilb+ N sbnii s`rlw frevlr `nk turk tol nkmil ca tol din`g bnrg slkscr) wetocut onvekm tc tngl tol diul nsslbdiy npnrt+ \sekm tol glydcnrf) weto tol `cksublr prektlr fenmkcste`s) ycu `nk bcketcr tol ònkmekm stntls ca tol slkscr woeil bcvekm tol pnplr torcumo tol allf pnto+ ]olk tlstekm toes flve`l) lxet cut nkf usl tol ’woetl rc`glr‒ duttck ck"s`rllk fenmkcste`s acr tol`cksublr prektlr+

Voes snbl remot sefl prektlr nisc `nk jnb ek tol trnso `nk pnplr ociflr wolk din`g"bnrg `cupck pnplr es dlekm uslf+ Ea tol Feldcif NVB icssls pcwlr) tol rl`lept prektlr mlklrntls twc `cupck rl`lepts)tolk fubps tolb ek tol trnso+ Voes `nusls tol trnso `nk tc dl auii) nkf kct niicw tol klxt rl`lept tc dlfubplf) tous `nusekm n trnkspcrt jnb+ Vol usl ca sbniilr rciis ca pnplr) bngl toes prcdilb n iettil



dlttlr) dut et es tol sezl ca tol trnso `nk woeò es tc dinbl+

\kiegl tol remot sefl tolrbni prektlr) tol ilat sefl prektlr ons n inrml trnso `nk) niicwekm tol twc`cupcks tc dl fubplf) weto"cut nky fesrupteck tc et―s cplrnteck+ Voes prektlr ons nkctolr jnb essulwolk `cupck pnplr es dlekm uslf+ Vol jnb―s c`ùr nt tol arckt lxet pinste` muefls+ Vol toek `cupck pnplr dubps up ek tol beffil) nkf tol lfmls aiep up iegl wekms) `nusekm tol pnplr tc mlt `numot lvlry

alw tebls nt tol lxet+

Voes prcdilb `nk dl aexlf dy rlbcvekm tol dcto din`g muefl pintls nkf bngekm tol ocil demmlr ukeacrbiy n`rcss tol lxet pnrt ca tol pinste`+ \sl n aint aeil tc rlbcvl n alw inylr―s ca tol din`g pinste`)bngekm tol lxet ocil torll tebls tol sezl ca tol cremekni+ Dcto pel`ls ca tol lxet muefl kllf tc dl aeilffcwk nkf tol npplnrnk`l socuif iccg strnemot nkf prcalsseckni wolk bcuktlf dn`g ektc bnòekl+Volk) ruk 08"68 rl`lepts torcumo) ea et es steii jnbbekm) nfjust tol acur s`rlws ukflr tol pnplr ociflr+Voes weii nfjust tol prektlr tc dl bcrl aint tolk nt nk nkmil+

]olk rlpinèkm tol Nxecob prektlf èrùet `nrf) niwnys bnrg tol `ckkl`tcrs) cr òl`g acr bnrgekm―s)nvcefekm ek`crrl`t `ckkl`tecks+ Vol pnplr cut swetò nkf din`g bnrg slkscr) iccg eflkte`ni nkf nrl kctbnrglf+ Escinteck ca tol flal`tevl pnrt ca tol Nxecob tolrbni prektlr `nk snvl tebl nkf bckly+Pcbltebls) just tol tcp diul nsslbdiy) `cktnekekm tol din`g bnrg nkf pnplr cut slkscr―s) `nk dlrlpin`lf+ Vol tolrbni prekt olnf `nk nisc dl lnseiy rlpin`lf) ea tolrl nrl lrrcr―s acukf acr tont pcrteckca tol prektlr+

FELDCIF FCV BNVTE_ XTEKVLT:

Vol Lpsck fct"bntrex prektlrs nrl vlry rliendil nkf socuif kct pcsl tc buò trcudil acr tol tlòkeènk+Gllp toes nsslbdiy arll ca sbnii pel`ls ca pnplr tont `nk mlt eksefl tol èrùet `nrf) nkf dic`g tol ilatnkf remot sefl ocbl fltl`tcr slkscrs+ Nisc) wolk ekslrtekm pnplr) klvlr usl tcrk cr repplf pnplr) toesweii just `nusl n pnplr jnb ukflr tol ùttlr nkf weii rlquerl fesnsslbdiy+

Arlqulkt rlpin`lblkt lvlry twc cr torll bcktos ca tol reddck `nrtrefmls) gllps tol prektolnf ìlnk nkfiudre`ntlf+ Gllp toes nsslbdiy ìlnk nkf iudre`ntlf) nkf et socuif dl n mccf wcrgocrsl ek tol NVB+

K@T XTEKVLTP:

CIFLT <888:

Vol ciflr K@T <888 prektlrs onvl n kubdlr ca prcdilbs nsscèntlf weto tolb+ Ns toly mlt ciflr) tol dlnrekms ck tol sonat dueif up mrlnsl) nkf `nusl tol prektlrs tc ’kct mc dusy‒+ Voly bny rlquerlìlnkekm) nkf dl iudre`ntlf bnky tebl―s) dut tngekm tolb npnrt caa tol sonat nkf ìlnkekm tolb es tol dlst sciuteck+ Tlbcvl nky alit) nkf ìlnk tol eksefl ca tol sonat dlnrekms) usl n iemot slwekm cei cr kylcei ck tol sonat+

]olk tol prektlr es prektekm ’up"sefl fcwk‒) toes es usuniiy tol prekt olnf reddck+ Vol prcplr rlpin`lblkt ca toes reddck weii lxtlkf tol ieal ca tol prektlr+ Voes reddck es nisc rlspcksedil acr ’bess" prekts‒) cr ’lrrnte` prekts‒+ Ucu `nk bngl ycur cwk `ndil―s lnseiy+

Vol prekt olnf `nk dl rlpin`lf vlry que`giy dy twc rltnekekm s`rlws+ Voes prektolnf es onrf tciudre`ntl) nkf dlttlr tc rlpin`l+ ]olk tol prektlr es kct prlssekm fcwk ektc pcseteck) òl`g tol ruddlr dlnrekm ck tol remot nkf ilat sefl) rlpin`l ns kllflf+ Vol pnplr cut swetò ilvlr `nk drlng caa) nkf tol



pnplr icw slkscr nsslbdiy ons dllk nk essul ck tol nufet prektlr+ Ek bcst `nsls) toes pnplr icw slkscr `nk dl fes`ckkl`tlf) cr nfjustlf flplkfekm ck prlalrlk`l+

Vol rl`lept nkf nufet èrùet `nrfs nrl tol snbl+ Bngl surl tol strnppekm nkf fep swetò nssemkblktsnrl `crrl`t acr lnò prektlr+ Vol ùttlr nsslbdiy ck tol rl`lept prektlr es tol ckiy feaalrlk`l arcb tolnufet prektlr+ Voes ùttlr nsslbdiy `nk kllf nfjustblkt nkf sonrplkekm) ns wlii ns kllfekm n klw c"

rekm―s+ Vc nfjust tol ùttlr nickm tol pintlk nsslbdiy) iccslk tol ilat nkf remot ic`g fcwk s`rlws) tolknfjust tol up nkf fcwk peict s`rlws) woeil lkmnmekm tol ùttlr nickm tol pintlk arcb ilat tc remot sefl+Bngl surl et ùt―s tol pnplr ìlnk) tolk usl tol Fenmkcste` ’AL‒ tlst woeil tol prektolnf es ek letolr tolremot cr ilat sefl ocbl pcseteck+

Gllp tol pcwlr `ckkl`tcr tc tol prektlr ìlnk) dy `ckkl`tekm nkf fes`ckkl`tekm slvlrni tebls weto pcwlr caa+ @crrcseck dueif up es iegliy ck toes `ckkl`tcr+ Ea tol pnplr olsetntls nkf `nusls n `ckstnktstrltò) tol din`g rciilrs kllf tc dl tnglk caa) ìlnklf nkf iudre`ntlf+ Volrl socuif dl sin`g ek tol pnplr ilnflr natlr tol pnplr es puiilf torcumo tol rl`lept prektlr+ Pcbltebls tont pnplr mlts temot) ful tc tolrcii kct turkekm sbcctoiy+

K@T KL]LT FCV BNVTE_:

Vol klwlr fct bntrex prektlr es dlttlr ) dut `nk pcsl scbl prcdilbs acr tol tlòkeènk arcb tebl tctebl+ Gllp tol rciilrs nkf prekt `nrtrefmls ìlnk nkf rlpin`lf+ Pqulngekm ck tol pnplr ociflr `nk dlliebekntlf dy usekm n fct ca Vlaick mrlnsl+Vol prektolnf―s prekt quniety `nk dl ebprcvlf dy rlbcvni nkf iudre`nteck+ N `cupil ca frcps ca kyl cei)natlr rlbcvni) socuif ebprcvl tol prekt quniety nkf prlvlkt rlpin`lblkt+

Vol `cuktlr"rctnteck sprekm acr tol reddck nfvnk`l) `nk drlng nkf `nusl tol reddck kct tc turk+ Voes`cbpcklkt `nk dl rlpin`lf) wetocut tol kllf acr n dic`g rlpin`lblkt pnrt+ Gllp tol prektolnf trnkspcrtmuefl ìlnk nkf iudre`ntlf+ Niwnys) dicw cut tol slkscrs nt tol ùttlr scilkcef) nkf rlbcvl tol ùttlr nsslbdiy acr ìlnkekm+ Pcbltebls) tol ùttlr prlssurl ìep `nk dl`cbl fes"nttnòlf) nkf rlquerl rl"nttnòblkt+ Voes `nk `nusl tol ùttlr tc dl dl`cbl ektlrbettlkt ek cplrnteck aneiekm lvlry ctolr fny+

Just iegl bcst ca tol K@T prektlrs) et es ebpcrtnkt tc gllp tol tcp ont nt =8 flmrll―s A+ Vol usl ca nsbnii spn`l olntlr `cuif rlfu`l aneiurl―s ea klmntevl prlssurl `cif ner es aicwekm ektc tol NVB) cr tolrles e`l dueifup nt tol lxet òutl ca tol rl`lept prektlr+

K@T KL]LT VOLTBNI XTEKVLTP:

K@T―s tolrbni prektlrs nrl aneriy rliendil n sebpil ek flsemk+ Vc ònkml tc din`g bnrg ck tolsl prektlrstolrl es n swetò pn`g nkf rlslt duttck ic`ntlf ck tol X@D nsslbdiy+ Pwetò > turks tol din`g bnrg ckcr caa+

K@T VTNKPXCTV NPPLBDIELP:

CIFLT <888 PLTELP:

K@T iegls tc usl trnkspcrt―s ek tolrl NVB―s) niicwekm tolb tc pcseteck tolrl prektlrs ek vnrecus pin`ls+Vol <8?? frevl ons n ickm trnkspcrt tont `nk prlslkt bnky essuls tc tol tlòkeènk+ Voes trnkspcrt esflplkflkt ck tol frevl bctcr+ Ek prcplriy wcrgekm NVB―s toes frevl bctcr nkf nsslbdiy turks vlryanst) ea tol sprekms nrl `crrl`t) dlnrekm iudre`ntlf nkf wollis ìlnk+ Et es vlry ebpcrtnkt tc gllp toesnsslbdiy ìlnk nkf iudre`ntlf tc nssurl tont tol rl`lept weii aicw lvlkiy fcwk tol òutl cut tc tol



ùstcblr+

Bcvekm tol woetl trnkspcrt wollis nrcukf scbltebls wcrgs) dut bcst ca tol tebl tol wocil nsslbdiyons klvlr dllk prcplriy tnglk npnrt nkf ìlnklf+ Bcst tebls just ieatekm tol sprekm icnflf wollinsslbdiels) nkf mlktiy ìlnkekm tol wollis nkf sonats weto n tcctodruso nkf ni`coci bngl n feaalrlk`l+Vol wocil nsslbdiy socuif dl fes`ckkl`tlf nkf put ck lnò sefl tc iudre`ntl tol dlnrekms+ Vol dlits

socuif dl òl`glf) nkf mlnrs ìlnklf) nickm weto prcplr nfjustblkt ca tol bnek mlnr bctcr dlit+

Vol bnek bctcr es fcekm tol wcrg tc turk tol wocil nsslbdiy) sc tol ilss rlsestnk`l ycu `nk mlt arcbtol nsslbdiy) tol dlttlr nkf anstlr tol plracrbnk`l+ Klvlr usl cei cr seie`ckl ck tol woetl trnkspcrtsonats) nkf gllp nky iudre`nkt caa nky pinste` pnrts+ Vol bctcr bny rlquerl rlpin`lblkt) nkf dl `nusekmtol prc`lsscr tc rlslt+ Voes bny dl ful tc tol BCQ `cbpcklkts sciflrlf tc tol bctcr+

Vol <8?< wnig"up NVB trnkspcrts nrl nisc n essul ea kct glpt ilnk nkf iudre`ntlf+ Vol demmlst prcdilb es tol dlits mlt ferty) cif nkf `rn`glf+ Lvlk natlr rlpin`lblkt) et es n mccf eflni tc ìlnk tolsl dlits rlmuinriy tc nvcef prcdilbs+ Vol bctcr `nk dl tnglk npnrt nkf rlpnerlf dy bcvekm cr rlpinèkmtol bctcr `cktn`ts) dut rlpin`lblkt ca tol bctcr es niwnys tol dlst `ckseflrnteck+

VTEVCK XTEKVLTP:

VTEVCK FCV BNVTE_# VOLTBNI XTEKVLTP:

Voes prektlr weii wcrg dlttlr nkf onvl n ickmlr ieal ea et es dicwk cut) nkf reddcks rlpin`lf lvlry `cupilca bcktos+ Et es kct aelif rlpnerndil) nkf socuif dl rlpin`lf+ Vol prektlr `nk `nusl jnb―s weto tol ùttlr nsslbdiy+ Voes ùttlr nsslbdiy `nk dl tnglk npnrt) nkf tol pnplr ùttekm―s rlbcvlf acr dlttlr plracrbnk`l + Vol Vretck 5188 tolrbni prektlrs nrl vlry rliendil nkf lnsy tc tngl npnrt+ Vwc inrmlsprekm icnflf ìep―s niicws tol tlòkeènk n``lss tc dicw cut pnplr jnbs+

VTEVCK VTNKPXCTVP:

Vol Vretck 5<88 trnkspcrt wns ebprcvlf nkf dllalf up tc wetostnkf tol ndusl ca gkc`gekm wolk tolarckt pnkli wns cplklf+ Vol usl ca aiebseiy toek bltni `nusls tol trnkspcrt tc dlkf nkf icsl et―s cremekni pcseteck) tous kct bntekm up tc tol lxet ca tol prektlr ns tol occf es ìcslf+

Lylekm tol pcseteck ca tol trnkspcrt up es just treni nkf lrrcr+ ]lt ekg `nk olip) ea ycu ilnvl n iettil pnplr onkmekm cut ca tol prektlr) tolk put scbl wlt ekg ck tol bltni ocusekm ca tol lktry pcekt ck tol prektlr+]olk ycu ìcsl tol ief ycu `nk mlt nk npprcxebntl ic`nteck nkf tol kllf acr nfjustblkt ca toestrnkspcrt nsslbdiy+

FLXCPEVCTU:

FELDCIF FLXCPEVCTU:

Vol Feldcif stnkf"nickl NVB―s fc kct onvl n flpcsetcry+ Vol >8=0 nkf >8=6E slrels wnig"up nkffrevl up NVB― onvl vlry rliendil flpcsetcry+ Vol flpcsetcr es letolr s`rlwlf ek tc pcseteck ck scblNVB―s) cr `nk dl n``lssls nkf rciilf cut ck ctolrs+ Vol s`rlwlf fcwk Flpcsetcrels rlquerl tont pcwlr dl rlbcvlf) dlacrl tol nsslbdiy dl tnglk cut acr nky ìlnkekm cr reddck nfjustblkt+

]olk tol `nk es ekslrtlf) tolrl es n duttck ck tol dn`g pintl woeò lkmnmls+ Pcbltebls toes duttck bny



kllf nfjustblkt) cr tol `nk fcls kct ic`g ektc pcseteck+ Vol usl ca n aeso mnuml ck tol flpcsetcr `nkfltlrbekl ea tol dlits nrl ek tcilrnk`l /901 cuk`ls%+ Volrl nrl strnppekm jubplrs L"> torcumo L"6 cktol sefl tol jubplr L"1 socuif dl prlslkt+ @ilnk tol dlits) dicw cut toes nsslbdiy nkf ycu socuif onvlbnky prcdilbs+

K@T FLXCPEVCTU:

Ciflr K@T flpcsetcrels onvl n bnjcr prcdilb weto tol Olwiltt Xn`gnrf OX5441>N ekg jlt nsslbdiy+Voes ekgjlt tlkfs tc ìcm ) ilng nkf es onrf tc put ek+ Vol ekg jlt ons n solia ieal nkf socuif dl glpt ektol rlaremlrntcr teii kllflf+ Ea lxpcslf tc nkytoekm cvlr ?8 flmrll―s A) et tlkfs tc toek tol ekg) nkf `nusl prcdilbs tolrl natlr+ Vol inw mrnvety fcls kct olip wolk toes ekg jlt es ekstniilf+ Et `nk ilng ekg niicvlr tol èrùet `nrf) nkf `nusl ektlrbettlkt cplrnteck nkf pccr quniety prektekm+

Volrl nrl solia ieal rlstre`tecks indlilf ck tol lnò ekg"jlt dcx) niwnys ol`g dlacrl ekstniiekm tol ekg jlt+ Ea scblckl ctolr tonk ycu ons ekstniilf tol ekg jlt) ycu socuif nssubl et wns fckl ek`crrl`tiy) nkfycu bny snvl n ict ca tebl dy puttekm n klw ckl ek+ ]ont onpplk es tont tol dinfflr es puk`turlf) nkfner mlts ektc et `nusekm fesplksekm prcdilbs+ Niwnys) usl n diukt tcci tc prlp n sbnii nbcukt ca ekg arcb tol klw ekg jlt) tolk wepl ìlnk+ Bngl surl dcto suran`ls ca tol ekg jlt nkf tol ociflr nrl ekg arll+

Bcst tebls tol vnuit es mlttekm tc oct) `nusekm tol ekg"jlts tc lxpicfl nkf snturntl tol ociflr) `nusekm n dnf `ckkl`teck+ Bngl surl tol vnuit ank es dicwekm ner ek) nkf `ckseflr occgekm up nkctolr ank ek tolvnuit ck tol solia acr dlttlr ner èrùinteck+ \sl tol sl`ckf ank nkf n` werl ukflr tol prc`lsscr) nkfbcvl tol ank tc tol solia ek tol vnuit+ Ck <8?< bnòekls) bcukt n ank tc `cupil ca sbnii pel`ls ca wccf dicwekm tol ner up ektc tol flpcsetcry nsslbdiy+

Ek scbl `nsls) tol olntlr kllfs tc dl fes`ckkl`tlf tc `cci tol vnuit fcwk ek tol wektlr tebl+Pcbltebls) tol NVB out olntlr ek tol aiccr es tc dinbl) et olnts up tol vnuit tcc oct lvlk weto tololntlr fes`ckkl`tlf+ Vol ek`crrl`t usl ca spn`l olntlrs ek tol vnuit tc prctl`t tol fesplkslr arcb drlngekm mlnrs) `nk nisc `nusl tol ekgjlts tc lxpicfl ea slt tcc oct+

]olk tol ekgjlt nsslbdiy es snturntlf weto ekg) et es niwnys dlst tc rlpin`l ea cif) cr `nrlauiiyfesnsslbdil) nkf ìlnk lnò pnrt+ Bngl surl tolrl es kc ekg ukflr tol èrùet `nrf cr tol snbl prcdilbweii c`ùr+

Vol scilkcef souttlr nsslbdiy rlquerls ìlnkekm nkf iudre`nteck cr et bny ic`g up cr kct rlspckf anstlkcumo acr tol slkscrs+ Gllp tol slkscrs ìlnk dy usekm ickm q"teps+ Pcbltebls tol èrùet `nrfs kllftc dl rlpin`lf) dut toly nrl vlry rliendil+ Inrml flpcsets tlkf tc jnb ck toes nsslbdiy) cr stn`gekmflpcsets prlvlkt tol lkvlicpls arcb `cktekuekm ektc tol flpcsetcry `nk+

Vol stntl ca olnto ’ìlnr aetklss‒ bust dl fckl natlr nky rlpner+ Vol anuit es olif nt tol bnòekl lvlknatlr tol rlpner ons dllk bnfl+ Acr n fltneilf n``cukt ca flpcsetcry anuits n ùrrlkt iest weto fntls)NVB flve`l aneiurls) `nk dl mlklrntlf+ Voes iest `nk pcekt cut splèae` prcdilb nrlns weto tolflpcsetcry) nkf bny prcvefl n stcry"iekl ca aneiurls+

Bngl surl tol ektlric`g swetò es puiilf cut) cr tol vnuit fccr es ìcslf wolk tlstekm tol flpcsetcryauk`teckniety+



K@T KL]LT FLXCPEVCTELP:

K@T glpt usekm tol snbl Ekgjlt ck tol klwlr <1#<?88 slrels NVB―s) dut toly turklf tol ekg jlt up"seflfcwk+ Voes olips tol ekg jlt kct ilng ns buò) nkf tol nffeteck ca tol dicttlr pnf olips ek ndscrdekm tollx`lss ekg+ \kacrtukntliy) tol ekg jlt ons tol snbl olnt essuls) nkf `nk dl n prcdilb ck scbl NVB―s+

Voes flpcsetcry socuif just rlquerl scbl bekcr ìlnkekm+ Vol NVB gllps trn`g ca tol flpcsets nkfrlbekfs tol ùstcblr wolk tol ekg"jlt socuif dl rlpin`lf+ Vol @PCO /ìlnr stntl ca olnto% s`rllksocuif niwnys dl ìlnrlf natlr rlpin`lblkt ca tol ekg jlt nsslbdiy+

Bngl surl tol ektlric`g swetò es puiilf cut cr tol vnuit fccr es ìcslf wolk tlstekm tol flpcsetcryauk`teckniety+

Vretck Bnòekls fc kct onvl flpcsetcrels ck tolb+

FEPXLKPLTP:

FELDCIF FEPXLKPLTP BBF:

Feldcif―s are`teck allf BBF /Buite"Blfen"Fesplkscr% es vlry rliendil ) dut rlquerls `cktekulfìlnkekm) slrve`l suppcrt nkf rlpin`lblkt ca wlnr pnrts torcumocut et―s iealspnk+ Voes typl fesplkslr ons prcdilbs weto klwlr `nso wolk pe`gekm) ful tc tol knturni ùrvnturl ca tol deii) wolk et nrrevlsarcb tol alflrni mcvlrkblkt+ Vol klw deiis socuif dl pin`lf ek tol `nsslttl―s ns) ’olnfs tc onkfils‒) tcnvcef pe`g essuls) nkf slvlrl wlnrekm ca pnrts+ Vol klwlr styil deiis socuif dl) ’ankklf‒ torcumo nbckly `cuktlr nt ilnst torll tebls) dlacrl dlekm uslf+

Klvlr usl ‟feveflrs‒ ek n BBF fesplkslr) tolsls nrl nisc `niilf ’ùrrlk`y slpnrntcrs‒+ Vol `nsslttl―suslf nrl `cflf tc lnò flkcbeknteck rlquerlf) nkf `nk dl ekslrtlf nt nky allf bcfuil pcseteck ek tolfesplkslr+ Vol `nsslttl―s onvl din`g duttcks) woeò nttnò tc tol lxestekm ruddlr tnds) tc eflkteay tolùrrlk`y dlekm uslf+ ]olk tolsl tnd―s nrl ekslrtlf ektc tol allf bcfuil) nkctolr slt ca duttcks nrl tolk prlsslf) woeò flaekl typl ca `nsslttl dlekm uslf+ Acr lxnbpil) n &48―s `nsslttl es slt ns n ’F‒ `cflwolk n fesplksl tlst es plracrblf+

Flplkfekm ck tol kltwcrg) slt"up tol pe`gekm `cuif dl ’@‒ nkf ’F‒ `nsslttls cr ’oe‒ tolk ’icw―+ Voesblnks tont twc `nsslttl―s ca 48―s `nk dl uslf nkf tol `nso weii dl lvlkiy fesplkslf arcb lnò `nsslttl+]olk &68+88 es rlqulstlf) n &48+88 fciinr deii `cbls cut arcb tol tcp nkf dcttcb `nsslttl+ ]olk&48+88 fciinrs es rlqulstlf) et ckiy `cbls cut ca tol tcp `nsslttl+

Vorll ’dllps‒ socuif dl olnrf ea nky ca tol `nsslttl―s nrl ekslrtlf ektc tol allf bcfuils+ Vol fevlrt`nsslttl nisc `nusls n ’dllp‒ wolk ekslrtlf+ Niwnys puso tol duttck ck tol arckt ca tol `nsslttl―s wolkrlbcvekm) toes weii rlfu`l tol wlnr ck tol pinste` ic`gekm gkcd eksefl tol allf bcfuil+ Vol ic`g ekocil ck tol `nsslttl `nk dl`cbl wcrk cut nkf `nusl tol `nsslttl tc ’pcp‒ cut furekm n fesplksl+ Vol pinste` gkcd `nk mlt wcrk fcwk) nkf rlquerl rlpin`lblkt ea tol `nsslttl―s nrl ’pcppekm cut‒ furekmnky fesplksl cplrnteck+

Vol `nsslttls `nk mlt wcrk fcwk nkf stnrt tc `rlntl prcdilbs+ Klw `nso `nk `nusl tol puso dlit tc ste`g eksefl tol `nsslttl+ Vol `cfekm duttcks `nk anii caa) tolrl socuif niwnys dl nk cff slt ca duttck―s ck



lvlry `crrl`t `nsslttl) rlmnrfilss ca tol flkcbeknteck+ Vol ùrrlk`y icw swetò nsslbdiy `nk ste`g cr lkmnmlf `nusekm tol n ’icw‒ `nsslttl furekm tlstekm ek tol fesplksl tlst nrln ukflr ’suppiy+ Vol puso pintl `nk dl`cbl fltnòlf arcb tol bcukt) `nusekm bes"pe`gs+

Dnse`niiy feaalrlkt flkcbeknteck―s ca bckly nrl icnflf ektc `cflf `nsslttl―s nkf ekslrtlf ektc tol allfbcfuils+ Flplkfekm ck tol `nso kllflf dy tol ùstcblr) lnò deii es are`teck alf arcb tol `nsslttl+ Vol deiis mc torcumo n fcudil fltl`t slkscr) up tol dlits nkf `cuktlf nmnek nt tol prlslktlr) dlacrl oettekmtol puso pintl muefl nkf slttiekm ektc tol stn`glr trny nrln+ Volk) wolk nii tol `nso kllflf arcb lnò`nsslttl es ek tol stn`glr trny) et es drcumot up ilvli weto tol prlslktlr) tolk pusolf dy tol puso pintl) tctol lxet slkscr wolrl tol souttlr fccr /mntl% cplk―s cut tc tol ùstcblr+

Voes onpplks vlry anst ndcut < deiis plr sl`ckf+ Vol stn`glr nkf tol puso pintl ònkml pcsetecks) nkfnrl slt"up acr n flievlry tc tol stn`glr trny nrln cr tc fevlrt nky `nso+ Volsl pcsetecks ca tol stn`glr nkf puso pintl nrl fltlrbeklf dy `nb bctcrs) woeò `nk eflkteay tolrl pcseteck dnslf ck tol rlalrlk`lslkscrs+

Furekm toes cplrnteck) ea tol fcudil fltl`t slkscr fltlrbekls tont n deii es kct `crrl`t) cr twc deiis onvl dllk pe`glf) tol stn`glr nkf puso pintl ònkml pcseteck ck tol prlslktlr) niicwekm tol `nso tc dl`cuktlf) nkf tolk fubplf ektc tol fevlrt `nk+ Vol tlrb stn`glr es uslf dl`nusl) tol trny ons `nsostn`glf ektc et uktei tol `crrl`t nbcukt es `cuktlf+ Vol fevlrt `nk es n `nsslttl) nkf `nk dl rlbcvlfarcb tol fesplkslr+ Ea tol fevlrt `nk es bcrl tonk <,">8, ca tol deiis fesplkslf) cr ea tol `nk es auii)toes es ekfe`nteck ca n prcdilb weii tol fesplkslr+

Volsl fesplkslr―s `nk dl letolr arckt icnf) cr rlnr icnf ek flsemk+ Vol prlslktlr nsslbdiy es tol pnrt tontònkmls tc suetl lnò typl+ Vol ic`nteck ca tol puso pintl ònkmls arcb arckt icnf tc rlnr icnf+ Nii ca tol ndcvl cplrntecks `nk dl slpnrntliy cplrntlf dy usekm tol fenmkcste` blku acr trcudilsocctekm+ Lnò`cbbnkf cplrnteck `nk nisc dl bcketcrlf dy wntòekm tol ILF―s ck tol fesplkslr èrùet `cktrci dcnrf+

Volsl ILF―s nrl ns aciicws7

>% Vrnkspcrt Plkscr ’ck‒2dic`glf) ’caa‒2ukdic`glf

4% Lxet Plkscr ’ck‒2dic`glf) ’caa‒2ukdic`glf

0% Arckt Mntl Pwetò ’ck‒2@icslf mntl swetò n`tuntlf) ’caa‒2Cplk mntl swetò

6%@nb \pplr Xcseteck /sll dlicw%

<%@nb Icwlr Xcseteck/sll dlicw%

1%Vebekm wolli ’ck‒ cr ’caa‒ flplkfekm ck ea tol slkscr es dic`glf

@NB \XXLT @NB IC]LT FLAEKEVECK

’CAA‒ ’CAA‒ MNVL CXLK

’CK‒ ’CAA‒ FEQLTV XCPEVECK

’CAA‒ ’CK‒ VTNU FC]K /stn`g pcseteck%

’CK‒ ’CAA‒ XTLPLKV

Vol BBF fesplkslr `nk dl drcglk fcwk ektc torll sl`teck―s+ Vol prlslktlr) stn`glr nkf allf bcfuil―s

>% XTLPLKVLT:



Vol tcp prlslktlr `cktneks tol puso pintl) nt woeò bckly es letolr fubplf ektc tol rljl`t dek) cr acr`lf cut tc tol ùstcblr+ Ea tol ùstcblr fcls kct tngl tol `nso) et es tolk puiilf dn`g ck tol prlslktlr nsslbdiy) nkf fubplf ektc tol rljl`t dek+

Vol usl ca n lxet slkscr nkf `cukt slkscr) fltlrbekl tol ocbl pcseteck ca tol puso pintl+ Vol bctcr)

woeò frevls tol pusopintl) es lk`cflf nkf weto tol usl ca tol slkscr―s) twc ctolr pcsetecks ek befsl`teck ca tol prlslktlr `nk dl ic`ntlf+ Vol vnrecus ic`nteck―s acr n arckt icnf fesplkslr nrl 7Xuso;Ptn`g;Fevlrt;Tltrn`t;Xrlslkt+ Vol ic`nteck―s ca tol puso pintl acr n rlnr icnf fesplkslr nrl7Fevlrt;Xuso;Ptn`g;Tltrn`t;Xrlslkt+

Voes prlslktlr `cktneks twc slkscrs woeò eflkteay tol ic`nteck ca tol puso pintl ns et siefls nickm tolarnbl ca tol uket+ Voes blnks pinste` es refekm ck bltni) nkf iudre`nteck nickm tol pnto ca tol puso pintles rlquerlf+ \sl Vlaick mrlnsl /Tnfec Pon`g% ck toes are`teck nrln tc fl`rlnsl ck wlnr acr tol tcp pintlnkf bctcr+Vol `cukt slkscr cr lxet slkscr `cuif dl`cbl ektlrbettlkt nkf rlquerl rlpin`lblkt+ Volsls slkscr nrlkct nfjustndil) dut `nk dl swnpplf cr usl nt letolr ic`nteck+ Volrl es kc nfjustblkt ck tol lxet cr `cuktslkscr+ ]olk rlpinèkm tolsls `cbpcklkts) bngl surl toly nrl put ek `crrl`tiy) tngl `nrl tc iccg acr tol ocil ic`nteck anèkm tc tol beffil ca tol prlslktlr nsslbdiy+ Ea kct ekslrtlf `crrl`tiy deiis bnysprny cut ca tol fesplkslr+

Vol puso pintl `nk drlng nkf rlquerl rlpin`lblkt ea kct iudre`ntlf `crrl`tiy+ Vol pinste` dlnrekm nt tolarckt ca tol souttlr /mntl% `nk drlng cr dl`cbl iccsl nkf puii"cut+ Volsl dlnrekms `nk dl upfntlf tcklwlr slnilf dlnrekms weto n buò ickmlr ieal+ Vol souttlr /mntl% swetò `nk kllf nfjustblkt cr rlpin`lblkt+

Vol arckt icnf prlslktlr es buò ickmlr tonk tol rlnr icnf prlslktlr+ Dlits fck―t kcrbniiy kllf tc dlrlpin`lf) dut ek lxtrlbl `nsls toly `nk dl+ Vol prlslktlr lnseiy sknps tc tol stn`glr dy ìeps nkf esrlbcvlf aneriy lnseiy flplkfekm ck tol bcfli+

Vol dlits nkf tcp nsslbdiy pinste` muefl socuif dl glpt ìlnk usekm n beif scnp sciuteck nkf `cttckrnm+ Vol dlits `nk dl ìlnklf dy usekm tol ’bctcr‒ alnturl ek tol iest ca sl`teck―s ek tol fenmkcste`blku+

4%Vol Ptn`glr:

Vol stn`glr `cktrci nii tol bctecks ca tol prlslktlr nkf dlits ck tol BBF fesplkslr nsslbdiy+ Vorllbctcrs nrl flfe`ntlf tc `lrtnek tnsgs+ Vol stn`glr `nb bctcr ons >+? flmrll rctnteck) woeò rlprlslktsn stlp ca bcvlblkt+ Et usls kctls nkf òl`g pcekt―s tc `cukt et―s pcseteck cvlr n rnkml ca stlps+ Voes esocw et `nk bcvl tol pusopintl ektc tol vnrecus pcseteck―s ck`l n rnkml ca stlps ons dllk fltlrbeklf+

Vol klxt stn`glr stlpplr bctcr `cktrcis tol bcvlblkt ca tol inrml din`g `nb wolli+ Voes `nb wollibcvls tol trny up nkf fcwk) woeil bcvekm tol fevlrt fccr cplk cr ìcslf+ Vol `nb wolli nisc cplk―stol souttlr /mntl% nt et―s auiiy lxtlkflf pcseteck+ Volrl es n slkscr dloekf tol din`g `nb tont socuif dl



glpt ìlnk) nkf tol `nb mlnr wolli socuif dl glpt iudre`ntlf) ns et pcseteck―s etslia ck tol Vlaick tndwoeil turkekm+

Vol pcsetecks ca tol stn`glr `nb nrl ns aciicws7

>%Auiiy fcwk" stn`g pcseteck" Deiis nrl stn`glf acr flievlry4%Beffil up" Fevlrt pcseteck" Deiis nrl niicwlf tc fubp ektc fevlrt `nsslttl

0%Auiiy up"Xrlslkt pcseteck" Pouttlr /mntl% es cplklf niicwekm deiis tc dl prlslktlf+

Vol aekni bctcr `cktrcis tol dlits bcvlblkt letolr acrwnrf acr pe`gekm deiis) cr dn`gwnrfs acr fubpekm deiis ektc tol fevlrt `nsslttl+ Vol spllf slkscr bcketcr―s tol dlits) dy usekm n tebekm wolli+ Voes tebekmwolli prcfu`ls n slrels ca lvlkiy sprlnf puisls) uslf tc bnektnek n `ckstnkt nkf prlfe`tndil spllf ca tol dlits+

Vol stn`glr nisc ons nkctolr `cukt slkscr woeò `nk bcketcr lnò deii ns et pnsslf dlacrl et lktlrs tolfevlrt) cr tol ocifekm trny+ Voes nsslbdiy es vlry rliendil nkf socuif kct pcsl tc buò prcdilb+ Voessl`ckf stnml ca tol BBF fesplkslr nisc sknps ektc pcseteck) niicwekm et tc dl ònkmlf rlnfeiy+ Nkybctcr cr slkscr ònkmls nrl kct rl`cbblkflf ek aelif ck toes stn`glr nsslbdiy

0% Xe`g Bcfuils:

Vol bcst `cbbck aneiurls c`ùr eksefl tol pe`g bcfuils wolrl tol deiis nrl pe`glf+ Vol oemo are`teckruddlr dl`cbls ferty) cr wcrk fcwk arcb lx`lssevl pe`g nttlbpts+ Volsl nttlbpts nt pe`gekm klwlr styil deiis) ea kct `crrl`tiy ekstniilf) `nk wlnr fcwk tol sonats que`giy+ Ea prcplr ìlnkekm ca tolsl sonatsnrl fckl ck n qunrtlriy dnses) tol wlnrekm ca tolsls sonats es mrlntiy rlfu`lf) lxtlkfekm tolrl ieal twctc torll ylnrs+

Vol mrllk tngl nwny wolli ck tol remot sefl) nibcst klvlr rlquerls rlpin`lblkt) dut et socuif dlìlnklf weto n tcctodruso wolk tol sonat es ìlnklf+ Feldcif ons dllk ekstniiekm tolsl ns din`g wollis+

Vol quniety ca tol din`g tngl"up wolli es dnfiy `ckstru`tlf) nkf `nk dl eflkteaelf dy slpnrnteck arcbet―s dlnrekm ocusekm+ Volsl ruddlr cutsefl―s dl`cbl iccsl nkf weii lvlktuniiy dl n prcdilb+ Et―s dlst tcrlpin`l nky ca tolsl òlnp tngl"up wollis weto n mccf din`g strepplr cr tol prlalrrlf mrllk tngl"upwolli+

Vol pinste` din`g alkflr nttnòls ns nk nsslbdiy weto tol din`g strepplr wolli ck n ckl wny ìutòsonat+ Voes alkflr `nk mlt drcglk) cr wcrk fcwk nkf rlquerl rlpin`lblkt+ Vol din`g strepplr wolli estol wcrst wlnr pnrt ck tol fesplkslr) nkf `nk dl`cbl vlry wcrk fcwk rlquerekm rlpin`lblkt+ Vol ociles kctòlf) nkf `nk dl tebl `cksubekm tc rlpin`l+ Ea uklvlk wlnr es sllk ck tolsl wollis) toly socuif dl rlpin`lf+

Vol din`g strepplr wolli socuif inst nt ilnst >"4 ylnrs flplkfekm ck tol vciubl ca tol NVB+ Vol allfsonat `nk inst 4"0 ylnrs flplkfekm ck tol vciubl+ Voes es ckiy ea tol `crrl`t ìlnkekm prc`lfurl es fcklck n qunrtlriy tc DE" ylnriy dnses+

Xrcplr ìlnkekm ca tol wlnr pnrts eksefl tol allf bcfuil ekìufl) rlbcvekm tol sprekm icnflf sonat) nkfìlnkekm tol sbnii wollis ck tol ilat nkf remot sefl+ Vol sonat ons n rlf ilf) woeò soekls iemot torcumoet―s `lktlr) tc fltlrbekl et―s pcseteck+ Bngl surl toes iemot es dlekm pe`glf up dy tol slkscr+ Pcbltebls)



toes slkscr X@D glydcnrf `nk mlt dlkt) nkf `nusl tol slkscr kct tc sll tol iemot+ ]olk rlbcvekm tolsonat bngl surl ycu nrl ek tol ’fcudil fltl`t‒ bcfl ek tol fenmkcste`s blku+ Voes weii gllp tol sonatarcb bcvekm wolk ycu nrl rlbcvekm et+

N `cttck ìcto snturntlf weto =8, ni`coci weii ìlnk tol allf sonats wlii wolk tolrl nrl rlbcvlf+ \sln tccto druso tc ìlnk tol sbnii wollis eksefl ukflr tol sonat nsslbdiy+ Volrl es n `cntekm tont c`ùrs

ck tolsl sbnii wollis) scbltebls n aekl werl druso weii rlbcvl et+ @nkklf ner sprnylf ektc tol fcudilfltl`t acrg nrln gllps tol prcxebety slkscr ìlnk nkf arll ca ’bckly fust‒+ @ilnk tol dlits weto n beifscnp sciuteck nkf rnm) òl`g tont tol muefl pintls ck tol dn`gsefl dlits nrl prlslt nkf ic`glf ektc pcseteck+

Vol allf bcfuil) woeò `cktneks tol pe`g) usl n fcudil fltl`t acrg nkf acrg dic`g tc fltlrbekl ocwbnky deiis onvl dllk pe`glf+ Vol din`g ìutòlf strepplr wolli acr`ls n deii ukflr tol acrg prcxebetyslkscr+ Voes slkscr `nk rlquerl nfjustblkt lvlry torll bcktos flplkfekm ck vciubl nkf tol quniety ca tol `nso dlekm uslf+

Vol acrg `nk mlt wcrk fcwk cvlr bnky ylnrs ca usl nkf rlquerl rlpin`lblkt ea tol fcudil fltl`t slkscr weii kct stny nfjustlf `crrl`tiy+ Ea tol acrg dic`g es wcrk fcwk tcc buò) type`niiy tol wocil pe`g bcfuil nsslbdiy bust dl rlpin`lf+ Feldcif usls n sonat sebuinteck blnsurlblkt tcci tc blnsurl tolflpto ca wlnr ck tol acrg dic`g tc fltlrbekl et rlquerls rlpin`lblkt+

Fcudil fltl`t nfjustblkts nrl fckl ck torcumo n ocil ck tol dn`g ca tol allf bcfuil nsslbdiy+ Voesocil n``lssls tol fcudil fltl`t prcxebety slkscr acrg) nkf `nk dl turklf ek rlalrlk`l tc n ainsoekm iemotck tol `cktrci èrùet `nrf+ Vol onppy iemot es uslf acr n <8, ck nkf caa slttekm) ainsoekm vlry rnpefiy+Vol nfjustblkt socuif dl plracrblf natlr tol prlslktlr nkf allf bcfuils onvl dllk ìlnklf+ ]olkturkekm toes nfjustblkt) nk niilk wrlkò es uslf+ Vol s`rlw socuif dl turklf n qunrtlr turk ek lnòferl`teck tc iccslk tol slt pcekt+

Aciicw toes prc`lfurl woeò slttekm tol fcudil fltl`t slkscrs:

Kctl: Cutsefl ektlralrlk`l iemot suò ns suk cr `lrtnek aicrls`lk`l `nk `nusl tol puso pintl tc rnb ektctol souttlr /mntl%" @cvlr tol slkscrs arcb tol iemot wolk `niedrnteck es plracrblf /Ucu bny wnkt tc puso tol fesplkslr ektc tol bnòekl%

FC\DIL FLVL@V PLKPCT NFJ\PVBLKV:

>% Mc tc tol Fenmkcste`s blku usekm tol gly dcnrf

4% Plil`t tol ’Xurml‒ auk`teck nkf vlreay `crrl`t cplrnteck

0% Plil`t tol ’Fevlrt‒ auk`teck nkf vlreay ckl deii es pe`glf arcb lnò `nsslttl nkf put ektc tol

fevlrt `nsslttl+

6% Plil`t tol ’Fcudil Fltl`t ’ nfjustblkt nkf lktlr ’yls‒ /vlreay tont tol dcttcb jubplr es

`ckkl`tlf acr nfjustblkt ca tol tcp allf bcfuil%

<% Cdslrvl tol mrllk onppy iemot) et socuif dl ainsoekm nt n <8, ck nkf caa rnpefiy

1% Nfjust tol tcp allf bcfuil nt tol rlnr ca tol allf bcfuil tc nòelvl n <8, ck nkf caa rnpefiy

ainsoekm mrllk ilf

=% Plil`t tol ’Fevlrt‒ auk`teck nkf vlreay ckl deii es pe`glf arcb lnò `nsslttl nkf put ektc tol

fevlrt `nsslttl+



?% Plil`t tol ’Fcudil Fltl`t ’ nfjustblkt nkf lktlr ’yls‒ /vlreay tont tol dcttcb jubplr es

`ckkl`tlf acr nfjustblkt ca tol tcp allf bcfuil% Voes es fckl twe`l tc fltlrbekl ea tol

nfjustblkt ons bcvlf cr es kct slt `crrl`tiy+

5% Tlplnt stlp―s >"? acr allf bcfuil 4 dut rlbcvl tol dcttcb jubplr /L0="0?%

>8% Plil`t tol ’Fesplksl‒ tlst nkf vlreay sbccto pe`gekm arcb dcto `nsslttl―s < deii nt n tebl) ea kc

lrrcrs ycu nrl fckl weto tol `niedrnteck+

Kctl: ]olk nfjustekm tol toerf allf bcfuil" rlbcvl ckiy L0<"01 jubplr+

Kctl: ]olk nfjustekm tol acurto allf bcfuil" rlbcvl ckiy L0<"01 nkf L0="0? jubplr+

Lrrcr―s) suò ns bes"pe`gs nkf ickm deiis) `nk dl nk ekfe`nteck ca n prcdilb weto tol wlnr pnrts ek tolallf bcfuils) cr n `nsslttl essul+ Ea tol prcdilb ckiy c`ùrs ck ckl sefl) swnp tol `nsslttls tc escintltol prcdilb) tolk stnrt weto rlpin`lblkt ca tol strepplr wolli ek tol allf bcfuil+

Vol allf bcfuil pe`glr bctcrs nrl aneriy rliendil+ @ol`g sprekm rciilr tlksecks ck tol upplr dlits ca tolallf bcfuil acr prcplr tlkseck) ea deiis nrl kct bcvekm lvlkiy up tc tol prlslktlr nsslbdiy+ Vol èrùet dcnrf ons scbl ausl tont `nk dl òl`glf ea bctcrs nrl kct rukkekm+

Pcbl iemots `nk dl velwlf furekm cplrnteck ns prlvecusiy fesùss 7

FP"> VTNKPBEV" TLF IEMOV POC]P @CBB\KE@NVECKP

FP"0 PVN@GLT #VTNKPXCTV PLKPCT

FP"6 VTNKPXCTV NKF @NB PLKPCT

]olk rlpinèkm tol fesplkslr `cktrci dcnrf) J"5 `nk dl put ck dn`gwnrfs+ Flplkfekm ck tol typl ca prlslktlr dlekm uslf L?"5 es tnglk cut+ /C\V ACT TLNT ICNF% Niwnys òl`g strnppekm wolkrlpinèkm toes dcnrf+

Flaeketeck ca `ckkl`tcrs nrl ns aciicws7

J"> @NB BCVCT

J"0 @NB PLKPCT

J"1 L_EV PLKPCT

J"40 X\PO XINVL BCVCT

J">> MNVL PLKPCT

J"5 VTNKPXCTV BCVCT

Tlblbdlr tont ’klw `nso‒ es ckl ca tol demmlst―s prcdilb―s weto toes fesplkslr+ Niwnys ank `nso torlltebls) nkf bngl surl tont ’klw `nso‒ es ekslrtlf dy ’olnfs tc tol onkfil‒ tc nvcef bespe`gs nkfwlnrekm ca tol fesplkslr+

K@T FEPXLKPLT―P:



K@T <888 PLTELP:

K@T fesplkslr―s onvl dllk prcvlk tc dl bcrl rliendil nkf bnektlknk`l arll tonk tol Feldcif BBFtypl fesplkslr―s+ Vol ektrcfu`teck ca FlInTul―s ner pe`gekm tlòkequl) acrbniiy uslf dy Feldcif) wnsnfcptlf dy K@T+ Vol Feldcif >088 ner pe`gekm fesplkslr woeò es ùrrlktiy dlekm uslf dy Vretck) onsbnky sebeinrety―s tc tol K@T fesplkslr+ Volrl nrl scbl `ck`lrk―s) dut toes fesplkslr ons prcvlk tc dl

n bnjcr wcrgocrsl ek prcvefekm flplkfndeiety ek n oemo vciubl lkverckblkt+

\kiegl tol Feldcif `nsslttl duttck eflkteae`nteck) tol usl ca bnmklts `cflf ektc tol wnii ca tol `nsslttleflkteaels tol flkcbeknteck+ Lnò `nsslttl es eflkteaelf wolk ekslrtlf ektc tol allf bcfuils dy slkscrs)woeò pe`g up wont bnmklts nrl ekstniilf ek tol wnii ca tol `nsslttl+ Vol ciflr bltni `nsslttl―s `nk dl n prcdilb) ns toly tlkf tc icsl pusoekm pcwlr nt tol puso pintl+ Vol klw pinste` `nsslttls tlkf tc onvltol pinste` ic`g fcwk tnd―s drlng caa+ Voes socuif kct prlslkt nk essul tc tol cplrnteck ca tol fesplkslr+

]olk crflrekm klw `nsslttl―s) toly bust dl slt"up `crrl`tiy tc usl \ketlf Ptntls ùrrlk`y ek tolb+@nso typl es kcrbniiy kct nk essul) ns ickm ns tol puso pintl es kct acr`lf ektc tol `nso) cr tol `nsslttles cvlricnflf+ Vol ner typl pe`gekm systlb) fcls kct iegl ’`rubdil‒ deiis weto dubp―s ck tolb+ Nisc)nky onia aciflf deiis `nk kct dl pe`glf nkf `nk `nusl n jnb+

Nii K@T―s alnturl n stcrlf ’aetklss‒ icm) tont bust dl ìlnrlf natlr tol rlpner ons dllk bnfl+ Voes es`niilf ’ìlnr aetklss‒) nkf bust dl fckl ck nky K@T <888 natlr tol anuit ons dllk rlscivlf+ Nisc nii K@T bnòekls rlquerl tont tol vnuit dl ìcslf) cr tol ektlric`g swetò dl puiilf cut furekm nkyfesplksl tlst) cr dlacrl et es drcumot ektc slrve`l+ Voes prlvlkts tol fesplkslr arcb cplrnteck) woeil tolvnuit fccr es cplk) prlvlktekm nky ùstcblr ekjury+

Lkverckblkt nkf prcplr bnektlknk`l) es tol bcst ebpcrtnkt `ckseflrnteck ek lxtlkfekm tol ieal ca toesfesplkslr) nkf nvcefekm `cstiy rlpner deiis+ @cif wlntolr tlkfs tc `rn`g mlnrs) ea tolrl es kc olnt ek tolvnuit+ Voes rlquerls rlpin`lblkt ca tol drcglk mlnr) tolk n `cbpiltl rl"tebekm ca tol bnòekl+ N sbnii`lrnbe` olntlr `nk dl ekstniilf ck tol solia eksefl tol vnuit tc gllp tol tlbplrnturl nrcukf =8 flmrll―sA+

Xrcplr bnektlknk`l ca tol fesplkslr ekìufls7 rl"dueifekm tol pubps nkf ìlnkekm tol pe`g iekl tc n`crrl`t tebekm ca tol fesplkslr+ Vol pubps bny ckiy kllf rldueifekm lvlry twc ylnrs) dut tol pe`g ùps socuif dl rlpin`lf lvlry ? bcktos+ Klvlr uslf nky typl ca iudre`nteck ck tol mlnrs ea nt nii pcssedil) iudre`nteck tlkfs tc pe`g up fert nkf fust `nusekm tol mlnr tllto tc aeii up nkf `nusekm drcglkmlnrs+ Ea ycu bust usl nky iudre`nteck ck tol mlnr) usl n ìlnr fry seie`ckl sprny+

Bcst prcdilb―s weto tol fesplkslr nrl `nso rlintlf+ Pcbltebls) tol arckt souttlr nsslbdiy bny mlt`cif `nusekm tol iekgnml tc sicw fcwk nkf `nusl n anuit+ Gllp toes nsslbdiy ìlnk nkf usl n iemot kylcei ck tol iekgnml tc nvcef nky essuls+ Vol K@T fesplkslr usls iemot slkscrs tont fltlrbekl tol `cuktsnkf fcudil fltl`ts+ Volrl es n ’icw‒ `nso rllf slkscr ek tol allf bcfuil tont tlkfs tc anei) rlquerekmrlpin`lblkt+ Vol iemots acr tol slkscrs `nk dl`cbl ektlrbettlkt) mlktiy tnp tolsl iemot furekm cplrntecktc fltlrbekl ea toly nrl n prcdilb+ Iemots tont anfl ek nkf cut mlklrniiy kllf rlpin`lblkt+

Vol ruddlr ck tol scilkcef pe`g bcfuil tlkfs tc mlt onrf nkf `rn`g) bngl surl tol ruddlr es scat nkfailxedil+ Tlpin`l tol ruddlr ns kllflf) cr nppiy n sbnii nbcukt ca Vlaick mrlnsl ck ruddlr tc lxtlkftol ieal+ Pqulngekm `nk c`ùr nt bnky nrln―s ek tol fesplkslr) try tc gllp tol cutsefl dlnrekms) nkf wlnr pcekt iudre`ntlf ylnriy tc nvcef toes prcdilb+



Vol wollis ca tol fesplkslr `nk dl ìlnklf weto n tcctodruso nkf =8, ni`coci dy lktlrekm tol’Fenmkcste`s‒ ’bctcr tlst‒+ Vry kct tc ruk tol bctcr acr lxtlkflf plrecf―s ca tebl dy usekm tol ’N\_‒gly acr rlplntlf cplrnteck+ Vol dem ruddlr rciilr klnr tol pe`g wolli ek tol prlslktlr socuif dl ìlnklflvlry sex bcktos+ @nkklf ner ek nkf nrcukf tol fesplkslr gllps et arll ca fust nkf fert+

Vol K@T fesplkslr `nk dl drcglk fcwk ektc twc pnrts) tol Xrlslktlr nkf tol Allf Bcfuil sl`teck+

Kcrbniiy) toes fesplkslr cr et―s sl`teck―s nrl kct drcglk fcwk ek tol aelif nkf rlpin`lf+ Bcst rlpners`nk dl fckl wetocut n tctni rlpin`lblkt ca tol fesplkslr+ Voes fesplkslr es vlry olnvy nkf catlkrlquerls twc plcpil tc rlbcvl+

Vol tolcry ca cplrntecks es ns aciicws7 Fesplksl tlst

>% Bctcr ruks fesplkslr tc vlreay nii slkscrs nrl ìlnr nkf `nsslttls nrl prlslkt

4% Bctcr ruks nkf allf bcfuil > scilkcef lkmnmls `nusekm ner tc dl pubplf arcb tol pe`g iekl

tc tol su`teck ùps+

0% Vol pe`g iekl nsslbdiy ’su`gs‒ tol deii cvlr tol fcudil fltl`t slkscr nkf ektc tol ’F‒ rciilr

`nusekm et tc dl pe`glf up dy tol rciilrs nkf up tc tol prlslktlr+

6% Vol deii pnssls dy n `cukt slkscr ektc tcp ca tol prlslktlr nkf pnssls torcumo tol dem rciilr tc

tol stn`glr wolli nkf tolk rlsts nt tol prlslktlr nrb+

<% Vol prlslktlr nrb tolk `cbls fcwk cvlr tol deii ocifekm ek tol dlits nkf tolk `nrrels et up tc

tol lxet souttlr nkf slkscr+

1% Vol scilkcef acr tol souttlr lkmnmls nkf tol deii pnssls cvlr tol lxet slkscr nkf stny―s nt tol

lxet wnetekm tc dl puiilf+

=% Ea tol deii es kct puiilf tol Xrlslktlr dlits rlvlrsl ferl`teck puiiekm tol deiis dn`g fcwk tc tol

rlst nrln nkf tol souttlr ìcsls+

?% Vol fevlrt nrb nsslbdiy cplk―s up nkf tol prlslktlr dlits lkmnml bcvekm tol deii fcwk

pnsslf n fevlrt `cukt slkscr nkf tolk ektc tol fevlrt dek+

Volrl es n `nso ’ck‒ swetò ic`ntlf ck tol fesplkslr `cktrci dcnrf) bcvekm toes swetò woeil ek tol’Fenmkcste`‒ blku weii mevl n ’@nso ck‒ slil`teck ek tol blku+ Plil`teck ca toes ’`nso ck‒) `nk ckiy dl fckl weto tol vnuit fccr cplk+ Voes slil`teck niicws tol tlòkeènk tc slil`t tol kubdlr ca deii―s tc dl slkt ferl`tiy cut tc tol lxet souttlr+ Vol deiis nrl fubplf ektc tol rljl`t dek ea tol swetò es kct uslf+

N oestcry ca fesplkslr aneiurl `nk dl ic`ntlf dy prlssekm ’8‒ woeil ek tol ’Tlpcrt‒ blku+ Voes `nk dluslf tc fltlrbekl ocw bnky anuits nrl c`ùrrekm ek woeò sl`teck ca tol fesplkslr+ @lrtnek nrln―s `nk dl escintlf nkf iccglf nt+ Drlngekm fcwk tol `cfls es scbltebls n wnstl ca tebl) `cbpnrlf tc justiccgekm nt tol oestcry tniiels ca aneiurl ck tol fesplkslr flve`l rlpcrt+ @cfls `nk dl drcglk fcwk dyusekm tol fenmkcste`s stntus `cfl kctldccg ea rlquerlf+ N ict ca tebls) et―s n sebpil rlpner) sc fck―twnstl tcc buò tebl weto tol `cfls+

Vol fesplkslr `cktrci X@D `nk dl n prcdilb ea ycu onvl n ektlrbettlkt essul weto pe`gekm arcb tol`nsslttl―s+ Ckl lxnbpil) es wolk tol tcp `nsslttl es cut ca `nso ) et fcls kct mc tc tol dcttcb `nsslttl+Vol K@T fesplkslr `nk dl slt"up ns n ’oemo#Icw‒ pe`g ea suppcrtlf dy tol kltwcrg+ ]olk usekm &48―sek dcto `nsslttl―s) scbl kltwcrgs ckiy iccg nt ckl tctni+ Vol pe`g ca deiis stnrts nt tol tcp `nsslttl) tolkck`l toes `nsslttl es lbpty) et mcls tc tol dcttcb `nsslttl+ Voes es ckiy ea tol snbl `nso es dlekm uslf ek dcto `nsslttl―s+

Vol K@T fesplkslr rlquerls `niedrnteck òl`gekm cr rl"`niedrnteck natlr nky drcglk mlnrs+ Voes`niedrnteck es fckl dy rlbcvekm tol twc s`rlws ck tol vnuit fccr /<8??% nkf swevliekm tol fesplkslr+



Vol prlslktlr rlquerls tebekm nkf tol allf bcfuil bust dl `niedrntlf `crrl`tiy tc nssurl `crrl`t nkf prcplr pe`gekm ca deiis+

K@T <888 Fesplkslr tebekm: \sl toes prc`lfurl tc nfjust tebekm

>% Vurk Xrlslktlr mlnr uktei nky nrrcw pcekts tc Vebekm Ocil

4% @ol`g tol Frevl Plmblkt nt tol Qnùub Iekl Plmblkt) Frevl slmblkt bust dl ckl tcctondcvl tol Qnùub iekl Plmblkt+ Nfjust ea kllflf

0% Tlbcvl tol Vcp Efilr Mlnr nkf rctntl tol Vcp Frevl @iustlr tc iekl up weto tol ’\‒ prektlf

ck tol mlnr /Kctl: tol efilr mlnr es remot dlicw tol Qnùub iekl slmblkt%

6% Tlbcvl tol Dcttcb Efilr Mlnr nkf rctntl tol Dcttcb Frevl @iustlr tc iekl up weto tol ’I‒

prektlf ck tol mlnr /Kctl: tol efilr mlnr es remot dlicw tol Qnùub iekl slmblkt%

<% Tlpin`l mlnrs tc tolrl cremekni pcseteck+

1% Tctntl tol Vcp ìustlr mlnr tc iekl up weto tol ’F‒ bnrgekm ) Tlbcvl tol upplr bcfuil

’Fevlrt mlnr‒ /F rciilr wolli% ck tol remot sefl ca arnbl+

=% Tctntl tol ’Fevlrt mlnr‒ ìc`gwesl dy iccgekm eksefl tol fesplkslr sc tont tol tcp ca tol F"

rciilr tcuòls tol prlssurl wolli+

?% Tlpin`l tol ’Fevlrt Mlnr‒+ / Vol tcp sl`teck ca tol allf buil ’F‒ rciilr es kcw slt%

5% Tctntl tol Dcttcb ìustlr mlnr tc iekl up weto tol ’F‒ bnrgekm ) Tlbcvl tol icwlr bcfuil

’Fevlrt mlnr‒ /F rciilr wolli% ck tol remot sefl ca arnbl+

>8% Tctntl tol ’Fevlrt mlnr‒ ìc`gwesl dy iccgekm eksefl tol fesplkslr sc tont tol tcp ca tol F"

rciilr tcuòls tol prlssurl wolli+

>>% Tlpin`l tol ’Fevlrt Mlnr‒+ / Vol dcttcb sl`teck ca tol allf buil ’F‒ rciilr es kcw slt%

Vol pe`g iekls kllf tc dl ìlnr acr `crrl`t su`teck+ @rn`gs `nk `nusl pe`g prcdilbs ek tol pe`g iekl+ Nilng òl`g `nk fltlrbekl ea toly kllf tc dl rlpin`lf+ Tldueifekm ca tol pubps rlquerls Vlaick mrlnslnkf bny rlquerl klw c"rekms nkf pestck+ Qlreay tont tol stn`glr wolli fcls kct onvl tcc bnky drcglkaekmlrs) toes bny rlquerl rlpin`lblkt+ Tlpin`l tol pe`g ùps nt lvlry XB+ ]erls nkf `ckkl`teck pcekts`nk dl`cbl arn`turlf cvlr tebl) ekspl`t werekm nkf onrklssls+ Vol souttlr slkscr bny rlquerlrlpin`lblkt ea ycu nrl mlttekm lrrcrs+

Xinste` muefls `nk sknp cut ca pcseteck nkf `nusl jnbs) vesuniiy òl`g tolsl muefl―s tc fltlrbekl ea tolynrl kct sknpplf ektc pcseteck+ Niwnys fc n vesuni ekspl`teck ca tol mlnrs tc fltlrbekl ea nky tllto nrlbessekm + Vol Vebekm wolli `nk mlt dlkt cr icsl et―s bnrgekm) n din`g bnrglr scbltebls wcrgs) dut et es dlttlr tc rlpin`l tolb weto klw ckl―s+ Nitocumo et bny npplnr tolrl nrl bnky essuls weto toesfesplkslr) et es bcrl rliendil tolk tol Feldcif BBF fesplkslr+

K@T <1#<?88 FEPXLKPLTP:

K@T rlniiy bnfl scbl bnjcr ebprcvlblkts ck tolrl klwlr slrels fesplkslr woeò mevls et bcrlrliendeiety nkf ilss bnektlknk`l essuls+ Vol usl ca dlits) ekstlnf ca ruddlr rciilrs) ek`rlnslf tol`cvlrnml ca trnkspcrt furekm n fesplksl cplrnteck+ Vol ektrcfu`teck ca n prebnry) nkf dn`g"up aeitlr gllps tol pe`g iekls ìlnk+ Vol usl ca n lil`tre` pubp liebekntls tol kllf acr n pubp nsslbdiy+ Volusl ca lil`trcke` ner scilkcef rlfu`ls nky ruddlr `rn`gekm pnrts+ Voes fesplkslr steii usls n ict ca mlnrs)try kct usl nky mrlnsl cr iudre`nteck ck tolb nkf toly weii stny iccgekm klw nkf ìlnk+

Vol tolcry ca cplrnteck ck toes fesplkslr es nibcst eflkte`ni tc tol prlvecus typl+ Pcbl feaalrlk`lsbngl et lnselr tc `niedrntl) nkf tol usl ca poctc"cpte` scief stntl slkscrs ck tol ìustlr mlnr bngl etbcrl rliendil+ Glpt tol aeitlr ìlnk) dy rlbcvekm et nkf dicwekm cut+ Bckly fust `nk ìcmmlf toes aeitlr)



nkf `nusl bnky essuls+ Volrl nrl twc aeitlrs) tol tcp aeitlr rnrliy kllfs ìlnkekm ea tol bnek pe`g ieklaeitlr es glpt dicwk cut vlry 0"1 bcktos+Volrl nrl drnss aeitlrs woeò socuif dl ònkmlf tc tol klwlr sll"torcumo aeitlr typl+ Gllp slkscr―sìlnr) dy usekm n ickm `cttck swnp nkf rlbcvl fust + Volrl nrl scbl ’dums‒ weto tol fesplkslr) et `nkrlquerl n onrf ìlnr ea n prcdilb ek tol aetklss icm `nkkct dl liebekntlf+ Mlnrs `nk mlt drcglk) dut kctklnriy ns dnf ns tol <888 slrels+

’Plkscr < rlquerls `niedrnteck‒) es n dum woeò socws up ck just ndcut lvlry <188 NVB+ Ucu `nk fc nonrf ìlnr ca tol KQTNB ck tol fesplkslr `cktrci dcnrf) dut n bckto intlr tol prcdilb steii socws up+Ek nii `nsls) tol slkscr anuit es `rlntlf wolk tol souttlr cplk―s nkf tol slkscr mlts n onkfaui ca sukiemot+ K@T fcls onvl n scatwnrl upmrnfl acr toes dum) dut ek bcst `nsls et `nk dl emkcrlf+

Volrl nrl n ict ca slkscrs ck toes fesplkslr flplkfekm ck woeò typl ca prlslktlr ycu nrl wcrgekm cktol ic`ntecks ònkml+ Volrl nrl Arckt n``lss trnkspcrts) Tlnr n``lss trnkspcrts nkf Vorcumo tol wniitrnkspcrts+ Volrl es n IQFV slkscr woeò fltlrbekls ea tolrl es n fcudil fltl`t+

Olrl―s n iest ca scbl ca tol slkscrs: Xrlslktlr

Arckt N``lss Vrnkspcrt: Plkscr 0"= nrl ic`ntlf nt tol 4 X@D―s nt tol lxet

Plkscr 4 es tol stn`g slkscr

Plkscr > es tol purml trnkspcrt

Volrl es n Xrl IQFV slkscr nkf n purml cvlraeii slkscr

Tlnr N``lss Vrnkspcrt:: Plkscr 0) 6 nkf < nrl ic`ntlf nt tol X@D nt tol lxet




Vorcumo ]nii Vrnkspcrt: Plkscr ? tc 0 nrl ic`ntlf nt tol 4 X@D―s nt tol lxet




Vol usl ca n ’AL‒ /Aelif Fesg% fesg `nk olip tol tlòkeènk tlst tol vnrecus auk`teckniety ca tolfesplkslr+ Vol fesg kllfs tc dl ekslrtlf ektc tol fesg frevl dlacrl lktlrekm tol ’Fenmkcste`―s‒ blku+Vol fesg `nk ’iccp‒ tol slil`tlf auk`teck ca tol fesplkslr+

Acr lxnbpil) tol souttlr bny dl ste`gekm cr iccsl+ Vol rcukf liiepte`ni `nb dl`cbls iccsl cr tolsouttlr `nk jnb cplk nkf ste`g+ Vol usl ca Vlaick iudre`ntl nt tol cutlr lfml ca tol `nb wolli socuif prlvlkt toes jnb+ Vol ’AL‒ fesg `nk dl uslf tc tlst tol souttlr) cvlr nkf cvlr) tc nssurl tol rlpner ons`crrl`tlf tol prcdilb+Pcbltebls tol 0rf cr 6to pe`g bcfuils kllf tc dl fesndilf ea toly nrl kct dlekm uslf+ Dy fes`ckkl`tekmtol bcfuils sbnii reddck `ndil ck tol tcp ca tol fesplkslr frevlr èrùet `nrf) tol pe`g bcfuil weii dlfesndilf+ Nii pe`g bcfuils dlicw toes reddck `ndil weii dl fesndilf+ Vol swetòls ck tol `cktrci dcnrfsocuif tolk dl slt tc rlslt tol systlb+

Tlslttekm tol @cktrci dcnrf:



>% Vurk ck tol swetòls 0 ! ? ck dcto swetò pn`gs

/Pwetòls nrl kubdlrlf arcb tol tcp ca tol `cktrci dcnrf tc tol dcttcb%

4% Xrlss tol ’rlslt duttck‒ uktei tol NVB ’dllps‒

0% Tlturk swetòls 0 ! ? tc tolrl kcrbni pcseteck ck dcto swetò pn`gs

6% Xrlss tol ’rlslt duttck‒ ) niicw tol NVB tc `cbpiltl tol auii rlslt) kcw tol 0rf nkf 6to pe`g

bcfuils nrl fesndilf+

Natlr toes prc`lfurl tol K@T rlquerls tont et ’ilnrk‒ tol deii pnrnbltlrs nkf tol ùrrlkt pe`g bcfuils dlekm uslf+ Aciicw toes prc`lfurl tc slt tol deii nkf ilnrk tol pnrnbltlrs+

Ilnrkekm Deii Xnrnbltlrs:

>% Lktlr tol ’fenmkcste`‒ blku dy prlssekm ’=‒ tolk ’ lktlr‒

4% Plil`t tol ’`ckaemurnteck‒ blku dy prlssekm ’>‒ tolk ’lktlr‒

0% Plil`t tol ’@ckaemurnteck ca Fesplkslr‒ dy prlssekm ’1‒ tolk ’lktlr‒

6% Plil`t ’@onkml Xnrnbltlrs‒ dy prlssekm ’11‒lktlr) ’11‒ lktlr) ’11‒ lktlr) ’11‒ lktlr

/Voes es tol deii wefto sezl ek bb%

<% Volk dy prlssekm ’>8>‒lktlr) ’>8>‒ lktlr) ’>8>‒ lktlr) ’>8>‒ lktlr ycu weii slt tol ilkmto ca

tol deii

1% Plil`t tol pe`g bcfuils tolk dy prlssekm ’>‒) ’4‒) ’0‒) ’6‒

=% Plil`t tol ’`ckaem Blku‒

?% Nkswlr ’yls‒ dy prlssekm ’>‒ tc snvl `ckaemurnteck vniuls

5% Lxet blku dy slil`tekm ’\teietels‒ tolk ’Lxet‒

Volsl ònkmls socuif dl vlreaelf dy plracrbekm tol aciicwekm tlst prc`lfurl:/KCVL: Bngl surl vnuit es ìcslf cr ektlric`g swetò es puiilf cut%

@urrlk`y Fesplkslr Vlst /pe`g bcfuils nkf `nsslttls ek usl%

>% Plil`t tol ’@ilnr Ptntl ca Olnito‒ /@PCO 48% dy prlssekm ’48‒ tolk lktlr

4% Xrlss ’>‒ tc lktlr tol ’@urrlk`y Fesplkslr‒" /Vol s`rllk socuif socw tol ùrrlkt pe`g

bcfuils ek usl%

0% Vlst tol fesplkslr dy prlssekm ’>‒ lktlr) ’>‒ lktlr tolk nkswlrekm ’yls‒ dy prlssekm ’>‒ lktlr

6% Plil`t tol dcttcb ilat sefl duttck indlilf ’Flve`l‒ tolk tol ’PBL‒ duttck+

<% Voes es n ùrrlk`y deii fesplkslr `ckaeflk`l tlst nkf weii pe`g ckl deii arcb lnò `nsslttl tolk

put tolb ektc tol rljl`t dek+

K@T klwlr fesplkslrs `nk ocif anuits tont `nk kct dl ìlnrlf ek tol ’@PCO‒ blku) cr dy mcekm ektctol ’Aetklss icm‒ nkf ìlnrekm tolb+ Vol anuits tlkf tc gllp stnyekm ck tol I@F s`rllk) lvlk natlr tolyiccg iegl toly onvl dllk ìlnrlf+ ]olk toes onpplks) nkf ycu gkcw tol fesplkslr es wcrgekm `crrl`tiy +Vol ’KQTNB‒ bny kllf tc dl ìlnrlf ck tol fesplkslr frevlr èrùet `nrf+ Aciicw toes prc`lfurl acr ìlnrekm KQTNB+



@ilnrekm KQTNB ck tol Fesplkslr Frevlr Dcnrf:

>% Vurk ck tol swetò > ck tol upplr swetò pn`g

/Pwetòls nrl kubdlrlf arcb tol tcp ca tol `cktrci dcnrf tc tol dcttcb%

>% Vurk ck tol swetò < ck tol icwlr swetò pn`g 4% Xrlss tol ’rlslt duttck‒ uktei tol NVB ’dllps‒

0% Tlturk swetòls > nkf < tc tolrl kcrbni pcseteck ck dcto swetò pn`gs

6% Xrlss tol ’rlslt duttck‒) niicw tol NVB tc `cbpiltl tol auii rlslt+

<% Vlst tol fesplkslr dy slil`tekm tol @PCO blku /Kctl: slil`t lvlry cpteck ek toes blku tc

nssurl tont tol aexlf anuit es ìlnrlf) nisc ìlnr tol aetklss icm%

1% Xrlss tol 4kf gly ck tol ilat sefl tc òl`g tol ’Vlrbekni Olnitoiy ’ s`rllk

=% Qlreay tont anuit ons dllk lrnslf

Nii K@T NVB―s onvl n ’Aetklss Icm‒ tont bust dl lrnslf) cr ìlnrlf precr tc tol flve`l dlekm tlstlf)cr tol NVB weii `cktekul tc socw tol anuit nt tol kltwcrg+ Vol ’tlrbekni Olnitoiy‒ s`rllk `nk dliccglf nt arcb nky bnek blku) dy prlssekm tol 4kf gly fcwk ck tol ilat sefl ca tol I@F s`rllk+ Volanuits nrl iestlf ns ’>‒ ca tol kubdlr ca anuits tont nrl prlslkt+ Ucu kllf tc wnet acr tol s`rllk tcònkml) nkf s`rcii tc tol klxt anuit+ Acr lxnbpil) tolrl bny dl ’>‒ ca ’6‒ anuits prlslkt weto tolbnòekl+ Volsl bny dl ìnsseaelf ns n ’wnrkekm‒) ’rcutekl‒) ’antni‒ cr just ekacrbnteck ca ùrrlktstntus ca tol bnòekl+

N drlngfcwk ca `cbbck anuits tont bny dl prlslkt ck tol ’tlrbekni olnitoy s`rllk‒ nrl ns aciicws:

Vlrbekni Olnitoy P`rllk Anuits:

’Plkscr < rlquerls ìlnkekm‒" Voes es n wnrkekm nkf es n K@T dum" fcls kct rlquerl nttlkteck’Ekgjlt ons rlnòlf lkf ca ieal‒" Voes es n wnrkekm) tol ekgjlt bny dl auii nkf tol `cuktlr wns kctìlnrlf dy rlpcrtekm tol Ekgjlt ònkml ek tol @PCO blku+ Voes fcls kct rlquerl ebblfentl nttlkteck+’ Pu`teck @ups kllf rlpinèkm‒ Voes es n wnrkekm nkf fcls kct rlquerl ebblfentl nttlkteck) toltlòkeènk socuif rlpcrt tol ònkml ca su`teck ùps tc tol @PCO blku wolk rlpin`lf) toes es n teblr ckiy+’Ektlric`g Pwetò fesndilf‒"Voes es n ’antni‒ anuit nkf rlquerls tont tol vnuit fccr dl ìcslf nkf tolfesplkslr nkf flpcsetcry dl tlstlf ek tol @PCO blku+ Voes `nk onpplk ea tol NVB es drcumot ektcslrve`l weto tol vnuit fccr ’cplk‒+’@nsslttl 4 Vcc Bnky Xe`gs‒" Voes `cuif dl n antni anuit ea `nsslttl > es nisc iestlf ek tol blku ns ’cutca `nso‒ nkf tolrl nrl kc ctolr `nsslttls+

Vol rliendeiety ca tol K@T <1#<?88 slrels NVB bngls et tol dlst òce`l acr n oemo vciubl

ic`nteck+

VTEVCK FEPXLKPLT:

FlinTul suppielf tol >=88 fesplkslr acr tol Vretck Bcfli 5<88#5188+ Voes es n sekmil `nsslttlfesplkslr+ Voes are`teck allf fesplkslr ons vlry alw pnrts cr nfjustblkts tont `nk dl bnfl ek tol aelif+



Bcst tebls tol ic`ntcr muefls mlt wcrk cut) `nusekm tol `nsslttl tc ’pcp‒ cut c tol fesplkslr+ Vol rneisbny kllf tc dl rlpin`lf arcb wlnr+

Vol `nsslttl `cuif mlt stu`g ek toes fesplkslr ful tc tol fevlrt dlekm tc auii+ Klw `nso woeò es uk"ankklf `nk `nusl n prcdilb ek toes fesplkslr+ Bngl surl tol klw `nso es ankklf torcumo n `cuktlr torlltebls+ Dy rlbcvekm tol sefl pinste` muefl s`rlws ck dcto sefls ca tol ocusekm ca tol fesplkslr tol

`nsslttl `nk dl rlbcvlf+

Pcbltebls tol tebekm wolli mlts drcglk) cr bny rlquerl n nfjustblkt+ Tlf diekgekm ILF―s `nk dlcdslrvlf nt tol `cktrci pnkli wolk tol arckt lxet slkscrs nrl dic`glf+ Vol usl ca `nkklf ner es tol dlstwny tc gllp toes fesplkslr rliendil+ Volrl es n fcudil fltl`t nfjustblkt tcci) dut aelif `niedrnteck es kctrl`cbblkflf+

Voes fesplkslr es vlry rliendil nkf socuif ckiy rlquerl n ìlnkekm ca tol pe`g wollis) dy usekm n beifscnp sciuteck+ ]olk plracrbekm n fesplksl tlst) òl`g acr tol deii tc dl flievlrlf strnemot) ns et bcvlsarcb tol dcttcb tc tol tcp nickm tol muefls+ Ea sglwekm c`ùrs) ckl ca tol pe`g wollis bny onvl icstet―s cutlr `cntekm+ @ilnkekm nii tol dn`g ca tol fesplkslr wollis bny olip ek aexekm toes prcdilb+

Vretck nisc lbpicy―s tol usl ca tol >088 fesplkslr) toes es n funi `nsslttl fesplkslr woeò wns uslf dyFeldcif ek tolrl BFP bcfli+



PL@VECK <

LIL@VTCKE@ JC\TKNI: LF@ XNML

Feldcif: E"Plrels >

FELDCIF @ONKMEKM LF@ FEPG: 4

K@T <1#<?88 PLTELP LF@: 4

K@T Lil`trcke` Jcurkni tc Aicppy Xrc`lfurl: 4

VTEVCK LIL@VTCKE@ JC\TKNI: /5<88#5188% 0

Vretck Lil`trcke` Pl`urety Bcfuil Fubp Xrc`lfurl: 0



LIL@VTCKE@ JC\TKNI: LF@

Feldcif: E"Plrels

LF@ /Lil`trcke` Fntn @npturl% es uslf dy Feldcif tc stcrl jcurkni ekacrbnteck lil`trcke`niiy ck tolonrf frevl) cr tol aicppy fesglttl+ Vol usl ca acrbnttlf EDB >+66 BF aicppy fesgs es `rete`ni acr toes

auk`teck tc wcrg `crrl`tiy wolk wretekm tc tol aicppy fesg+

Vol NVB stcrls nky jcurkni ekacrbnteck tc tol onrf frevl cr fesg) tolk rlquerls tol fesg dl rlpin`l) cr tol onrf frevl dl fcwkicnflf tc tol fesg+ NVB stntus) nky trnksn`tecks) nkf fenmkcste` ekacrbnteck nrl`ckseflrlf jcurkni ekacrbnteck+ Ea tol NVB es put ektc ’suppiy‒) et wretls tc tol fesg cr onrf frevl+ Ea tol vnuit es cplklf) toes es nisc wrettlk tc tol fesg cr onrf frevl+

Ns tol fesg cr onrf frevl aeiis up) et `nk mlt tc n pcekt wolrl tol NVB ic`g―s up+ Vol fesg nkf onrffrevl socuif dl ìlnrlf wllgiy) flplkfekm ck tol vciubl ca tol NVB+ ]llgiy ìlnrekm ca tol fesg) dyrlpin`lblkt cr n fcwkicnf) tc n arlso ìlnk fesg weii prlvlkt nky ic`g"up―s cr ’jcurkni auii‒ anuits arcbc`ùrrekm+

Pcbl Feldcif NVB―s onvl n bcketcr nkf glydcnrf ek tol dnkg nkf fck―t caalr n ferl`t wretl tc tolfesg+ Vol dnkg bust mlt ektc tol ’suppiy‒ blku cpteck) nkf slil`t tol ’LF@ uteiety‒ nkf ’nròevl tol’LF@ aeils‒+ Ck`l tolsl aeils nrl nròevlf) toly `nk dl fcwkicnflf nkf lrnslf tc tol cutsefl NVBaicppy+ Vc fltlrbekl ocw tol bnòekl wretls tc tol aicppy) tol vnuit `nk dl cplk tc sll tol iemot ck tolfesg frevl furekm tol wretl prc`lss+ Voes `nk dl fckl weto tol vnuit fccr cplk nkf tol NVB ekslrve`l+

Ctolr Feldcif―s caalr dntò aeils ek stnrt blku natlr tol pnsswcrf ons dllk ekstniilf+ Volsl aeils nrl slt"up tc nutcbnte`niiy wretl nkf ìlnr tol lil`trcke` jcurkni upck rlqulst dy tol uslr+ Vol nufet aeils cktol fesg `nk dl tnglk tc nky ]ekfcw―s dnslf X@ nkf òl`glf dy usekm ’kctlpnf‒+ Flplkfekm ck ocw

tol bnòekl es slt"up) tolsl aeils `nk dl n``lsslf rlbctliy dy nutocrezlf uslrs) dy tolb feniekm ektctol NVB+ Nfvnk`lf prcmrnbbekm ekacrbnteck acr toes typl ca slt"up `nk dl cdtneklf dy rlalrrekm tctol Feldcif ’X@"Dnslf Fntn @npturl Pcatwnrl Cplrntekm Muefl‒+

]llgiy rlpin`lblkt ca tol fesgs cr fcwkicnfekm tc tol fesg arcb tol onrf frevl weii nssurl tolauk`teckniety ca tol NVB) nkf ilsslk tol anuits+ @ilnrekm tol ’ic`g"up‒ anuit) bny ekìufl n NVB`cbpiltl rlslt ck`l tol fesg es rlpin`lf+ Vol prcplr bltocf tc nssurl tont tol fesg ons dllk prcplriyònkmlf es ns aciicws7

FELDCIF @ONKMEKM LF@ FEPG:

>+ \sekm glydcnrf put NVB icm ektc blku cptecks usekm Mrcup 8 pnsswcrf

4+ Plil`t ’suppiy‒ tolk cplk Qnuit

0+ Plil`t ’ukicnf#icnf blfen suppiels‒ "LF@ auk`teck

0+ Tlbcvl nkf Tlpin`l aicppy fesg" /Indli ckmcekm nkf cutmcekm fesg weto fntls%



6+ Aciicw blku cptecks acr rlpin`lblkt tolk ìcsl vnuit

<+ Plil`t ’Nttlkteck blssnml‒ tolk ’icmcaa‒) wnet tc olnr acr blssnml ’dllps‒

1+ N`gkcwilfml tol ’dllps‒ weto tol’aex‒ gly nkf tol bnòekl socuif `yìl torcumo tol icmcaa

prc`lfurl nmnek) rltlstekm nkf `cbl ektc slrve`l+

=+ Tuk n trnksn`teck torcumo tol NVB /dnink`l ekquery% tc fltlrbekl tol NVB weii rlbnek ek

slrve`l

K@T <1#<?88 PLTELP LF@:

Vol K@T ons n jcurkni aicppy frevl cutsefl tol vnuit+ Vol snbl ic`g"up prcdilbs `nk nisc c`ùr ea tolfesg es kct ònkmlf ck n wllgiy dnses+ Vol bnòekl `nk ic`g"up) cr `nusl ctolr flve`l lrrcrs nt tolkltwcrg+ Volsl lrrcrs fc kc socw up ek tol aetklss icms cr tol tlrbekni olnitoiy s`rllks+

Acr lxnbpil) ea tol NVB es `ckstnktiy socwekm `nrf rlnflr anuits nt tol kltwcrg nkf tolrl nrl kc anuitsrlprlslktlf nt tol NVB) toes `nk dl n semk tont tol LF@ fesg es mlttekm auii+ Vol K@T NVB fcls kctnutcbnte`niiy wretl jcurkni ekacrbnteck tc tol aicppy frevl nkf rlquerls n arlso ìlnk acrbnttlf EDB>+66 BF) dl ekslrtlf) wolk tol lil`trcke` jcurkni es rl`cvlrlf wllgiy+ Ea tol K@T ons n prcdilb wetotol lil`trcke` jcurkni et fcls kct socw up ek tol tlrbekni olnitoy s`rllk ) dut bny dl ek tol aetklss icm+

Dy mlttekm ektc tol blku cptecks) ck tol I@F s`rllk) tol NVB `nk fubp nkf ìlnr tol LJ ekacrbnteck+Aciicw toes prc`lfurl wolk fcwkicnfekm tol LJ tc n aicppy7

K@T Lil`trcke` Jcurkni tc Aicppy Xrc`lfurl:

>+ Xut NVB ektc ’suplrvescr‒ bcfl dy bcvekm tcmmil swetò fcwk

4+ Xrlss tol 4kf gly fcwk ck tol ilat sefl ca tol I@F s`rllk) toes es tol ’PCO‒ gly

0+ Vol ’slil`t‒ s`rllk socuif dl fespinylf ) Ea kct prlss tol ’`nk`li‒ duttck ck`l+

6+ Plil`t ’suppiy‒ ek tol ’slil`t‒ s`rllk

<+ Xrlss ’55‒ tolk ’lktlr‒ acr bcrl cpteck―s

1+ Ekslrt n arlso) ìlnk) acrbnttlf EDB >+66 BF ektc tol aicppy fesg frevl

=+ Plil`t ’68‒) tolk ’lktlr‒) tc wretl tol lil`trcke` jcurkni ekacrbnteck tc tol fesg

Kctl: Vol iemot socuif `cbl ckl) ea ycu mlt n L@80 lrrcr tol fesg bny dl auii cr flal`tevl

?+ Vol s`rllk socuif sny ’LJ ICM @CXELF CG‒

5+ Tlbcvl fesg nkf dn`g cut ca blku) Indli fesg weto fntls

VTEVCK LIL@VTCKE@ JC\TKNI: /5<88#5188%

N lil`trcke` slùrety bcfuil es lbpicylf dy Vretck tc stcrl up tc >888 rl`crfs dlacrl n ic`g up `nkc`ùr ck tol bnòekl+ Vol bcfuil es ic`ntlf dlicw tol tcp ont) nt tol tcp ca tol vnuit) bcuktlf cut ca semot+ Voes lil`trcke` bcfuil rlquerl―s tont et dl plrecfe`niiy ìlnrlf) nkf fubplf tc tol prektlr)flplkfekm ck tol vciubl ca tol bnòekl+

Vol flve`l bny rlquerl rlpin`lblkt) ea tol ìlnrekm cplrnteck es kct fckl `crrl`tiy) cr dlacrl et aeiis uptc et―s bnxebub `npnèty+ Aciicw toes prc`lfurl rlmuinriy tc nvcef toes arcb onpplkekm+ ’Lil`trcke`Jcurkni Auii‒ lrrcr weii c`ùr ea toes anuit es prlslkt+



Vretck Lil`trcke` Plùrety Bcfuil Fubp Xrc`lfurl:

>+ Tlslt lrrcr) ea prlslkt) dy prlssekm tol ’rlslt lrrcr‒ duttck+

4+ Xrlss tol ’ Diul‒ nkf ’>‒ gly) nkf lktlr ycur ’bnstlr sex femet pnsswcrf‒

0+ Ek tol ’Bnknmlblkt Blku‒) slil`t ’Jcurkni‒ gly

6+ Plil`t ’ìlnr jcurkni‒) cr ’prekt jcurkni ’ gly

Kctl: Nii rl`crfs socuif dl prektekm tc tol tolrbni prektlr) cr ciflr fct bntrex prektlr+ Volciflr fct bntrex typl prektlrs socuif kct ruk bcrl tolk < bekutls wolk fcekm toes cplrnteck+

Voes puts strlss ck tol flve`l) nkf weii socrtlk et―s ieal+

<+ Natlr nii rl`crfs onvl dllk ìlnrlf) prlss tol ’lxet‒ gly

1+ Xlracrb n `nso fesplkslr tlst tc nssurl tont tol Lil`trcke` bcfuil es wcrgekm `crrl`tiy+



PL@VECK 1

@CBB\KE@NVECKP XNML

KLV]CTGP: >

Feni \p―s /XCP%: >

@ckaerbnteck ca Xockl Iekl 4

Ilnslf Iekls: 4

KLV]CTG ^ulsteck―s: 0

Lxnbpils ca Mccf Beke"Vlstlr cplrnteck: 6

Feldcif @cbbuke`nteck P`cpl: <

@cbbuke`nteck Icnfs: <

Feldcif" E PLTELP @cbbuke`nteck @ckaemurnteck: Kck P_N 1

>810 Oemo sefl `cbbuke`ntecks 1

Feldcif" E PLTELP @cbbuke`nteck @ckaemurnteck:P_N 1

/weto gly dcnrf%

K@T <888 slrels @cbbuke`nteck @ckaemurnteck 1

K@T <188#<?88 slrels @cbbuke`nteck @ckaemurnteck: =

ICCX"DN@G VLPVLTP: =



K@T <888 PLTELP

K@T Bcfli <8?<:]nig"up

K@T Bcfli <8??:Frevl"up

NVB OCIFP PUPVLB AN\IVP

NKU PUPVLB AN\IVP TL^\ETL@CTTL@VECK) VOLK VOL AEVKLPP ICM

B\PV DL @ILNTLF

VOL NVB B\PV DL X\V EKVC

P\XLTQEPCT F\TEKM NKU

TLXILKEPOBLKV CT TLXNET N@VEQEVU

VOL NVB QN\IV FCCT B\PV DL @ICPLF

F\TEKM NKU FEPXLKPLT CT

FLXCPEVCTU VLPV NKF B\PV DL

@ICPLF ]OLK DTC\MOV DN@G EKVCPLTQE@L



VOL ACIIC]EKM BLK\―P CK VOL NVB ]EII DL

@CQLTLF:

’PLI‒" PLIL@V BLK\"Ptnrt nkf lkfekm blku

’TLX‒" TLXILKEPOBLKV BLK\"\slf acr tlstekm @nso nkf

Tl`lept Vrnkspcrt tlstekm) socuif nisc dl uslf wolk

rlpilkesoblkt ca Nufet prektlr) Tl`lept prektlr) @nso nkf

Tltrelvekm Flpcsets

’FENM‒" FENMKCPVE@ BLK\" \slf tc @ilnr Aetklss Icm nkf

Vlst Flpcsetcry

XTEKVEKM CA BLK\―P ACT VOL PLIL@V BLK\/’PLI‒%

NKF TLXILKEPOBLKV BLK\ /’TLX‒% NTL NV VOL

N\FEV XTEKVLT" XTLPPEKM VOL LKVLT GLU ]EII

XTEKV VOL @\TTLKV OLNFLT NKF IC@NVECK EK VOL

BLK\

XTEKVEKM CA VOL BLK\―P ACT VOL FENMKCPVE@

/’FENM‒% NTL NV VOL TL@LEXV XTEKVLT" XTLPPEKM

VOL LKVLT GLU EK VOEP BLK\ OLNFLT ]EII XTEKV

VOL @\TTLKV IC@NVECK EK VOL BLK\+

VC L_EV NKU BLK\ ’5‒ LKVLT BNU DL XTLPPLF VC

MLV DN@G VC VOL XTLQEC\P BLK\ PLIL@VECKP

NAVLT AE_EKM NKU FLQE@L)VOL FLQE@L POC\IF DL

VLPVLF NKF VOL AEVKLPP ICM @ILNTLF

NAVLT TLXILKEPOBLKV CA NKU FLQE@L VOL FLQE@L



POC\IF DL VLPVLF

NII CXLTNVECKP TL^\ETL VOL \PLT VC X\V P]EV@O

CK VOL BNEKVLKNK@L GLUXNF /BX% EK VOL

P\XLTQEPCT XCPEVECK" VOL PVNTVEKM XCEKV ACT NII VOL ACIIC]EKM BLK\―P PVNTVP ]EVO VOL

PLIL@V BLK\ ’PLI‒

VC VLPV @NPO

>%BNGL P\TL QN\IV FCCT EP @ICPLF

4%Arcb ’PLI‒ck bnektlknk`l pnkli /BX% prlss ’6‒ tolk tol

’Lktlr‒ gly

0%Xrlss tol ’Lktlr‒ gly nmnek tc prekt tol blku ck tol nufet

prektlr

6%Xrlss Vlst @nso slil`teck ’>8‒ tolk tol ’Lktlr Gly‒

Furekm toes tebl tol fesplkslr weii ge`g ck nkf tlst etslia+ Ckl

deii arcb ln`o `nsslttl weii dl pe`glf nkf put ektc tol fevlrt

`nsslttl+

<%‒`>4""‒ socuif npplnr ck tol bnektlknk`l pnkli+ Voes blnks

tont dcto `nsslttl―s tlstlf mccf+ Ea ckiy ’`>"""‒ npplnrlf tont

wcuif blnk tont ckiy `nsslttl > pnsslf tol tlst nkf sc ck+

1%XTLPP VOL ’LKV‒ GLU VC MLV DN@G VC VOL ’TLX‒

TLXILKEPOBLKV BLK\+

=%XTLPP VOL ’@KI‒ @NK@LI GLU VC MLV DN@G VC



PVLX > CT VOL ’PLI‒ BLK\" UC\ NTL FCKL VLPVEKM

VOL @NPO

KCVL: EA VOL VLPV FEF KCV ]CTG BNGL P\TL VOL

QN\IV FCCT EP @ICPLF VOLK MC VC VOLEKPVT\@VECKP CK OC] VC @ILNT VOL AEVKLPP ICM+

VOLK UC\ BNU VTU VLPVEKM VOL @NPO NMNEK

VC @ILNT AEVKLPP ICM

>%Arcb tol ’ PLI‒ BLK\ XTLPP ’=‒

VOLK VOL ’LKVLT‒ GLU

kctl: Vol fenmkcste` prcmrnb weii tngl ndcut >8 sl`ckfs tc

icnf

4%‒FENM‒ POC\IF DL FEPXINULF CK VOL BX) XTLPP

VOL LKVLT GLU VC XTEKV VOL BLK\ VC VOL TL@LEXV

XTEKVLT) VLNT CAA VC TLNF+

0%XTLPP ’>‒ /TLXCTV% NKF XTLPP ’LKVLT‒) ’TXV‒POC\IF DL FEPXINULF CK VOL BX) XTLPP LKVLT

NMNEK VC XTEKV VOL BLK\ VC VOL TL@LEXV


6%XTLPP VOL ’=‒ /@ILNT AEVKLPP% VOLK VOL ’LKVLT‒

GLU+

Dcto prektlrs weii lkmnml furekm toes cplrnteck nkf tol rl`lept

prektlr weii prekt cut ’`ilnrlf‒

<%Xrlss tol ’5‒ /lxet% gly tolk tol ’Lktlr‒ gly tc mlt tc tol

prlvecus ’FENM‒ blku+



1%Xrlss tol ’5‒ /lxet% gly tc mlt dn`g tc tol ’PLI‒ stnrt blku

kctl tont tol rl`lept prektlr weii nfvnk`l nkf `ut tol rl`lept

pnplr arcb tol prektlr niicwekm tol trnkspcrt drefml tc dl putektc et―s kcrbni pcseteck ck`l tol pnplr es rlbcvlf+

K@T ^\E@G IEPV PVLXP

K@T Bcfli <8?<: ]nig"up

K@T Bcfli <8??: Frevl"up

VC @ILNT AEVKLPP" Plil`t Blku

>%= LKVLT /FENM%

4%> LKVLT /TXV%

0%= LKVLT /@ILNTP AEVKLPP%

6%5 LKVLT /TXV%L_EV

<%5 LKVLT /FENM%L_EV

1% /PLI%BLK\

VC VLPV @NPO" Plil`t Blku

>%6 LKVLT /TLX%

4%>8 LKVLT /VLPV @NPO%

0%POC\IF FEPXINU @>4""6%LKVLT GLU EP XTLPPLF /PLI%

<%@NK@LI GLU VC ’PLI‒ BLK\

VC VLPV FLXCPEVCTU



>%BNGL P\TL QN\IV EP @ICPLF

4%ATCB ’PLI‒ XTLPP VOL LKVLT GLU NKF TLNF VOL

BLK\ XTEKVLF CK VOL N\FEV XTEKVLT+

0%PLIL@V ’VTNKPALT DU XTLPPEKM ’?‒ VOLK VOL

LKVLT GLU /_alr `nk nisc dl n``lsslf ek tol Fenmkcste`s

blkus%

VOL P@TLLK @NK KC] DL CXLTNVLF NV VOL ATCKV

CA VOL NVB) MC VC VOL ATCKV CA VOL NVB ]EVO N

FLXCPEV LKQLICXL

6%LKVLT XNPP]CTF" ’4"6"1"?‒ VOLK XTLPP VOL LKVLT

GLU

VOL PLIL@V BLK\ VONV ]NP XTEKVLF CK VOL N\FEV

XTEKVLT POC\IF KC] DL FEPXINULF CK VOL

P@TLLK

<%PLIL@V FENMKCPVE@ DU XTLPPEKM ’=‒ VOLK VOL

LKVLT GLU

1%EK VOL FENMKCPVE@ BLK\ PLIL@V VLPVP DU

XTLPPEKM ’8‒ VOLK LKVLT

=%EK VOL VLPVP BLK\ PLIL@V FLXCPEVCTU DUXTLPPEKM ’=‒ VOLK VOL LKVLT GLU

VOL PO\VVLT ACT VOL FLXCPEVCTU ]EII CXLK

VOLK @ICPL) ]OLK EV CXLK―P NMNEK EKPLTV VOL

LKQLICXL



VOL P@TLLK POC\IF @CBL DN@G NKF PNU FLXCPEV

XNPP VLPV

?%L_EV VOL VLPV―P BLK\ DU XTLPPEKM VOL ’5‒ GLUVOLK LKVLT+

5%L_EV VOL FENMKCPVE@ BLK\ DU XTLPPEKM VOL ’5‒

GLU VOLK LKVLT+

>8% EK VOL PLIL@V BLK\ VC VTNKPALT DN@G EKVC

VOL NVB XTLPP ’?‒ VOLK VOL LKVLT D\VVCK+

MC DN@G EKVC VOL NVB) CXLK VOL QN\IV FCCT NKF

@OL@G VOL ^\NIEVU CA VOL VLPV FLXCPEV

EA VOL ^\NIEVU EP N@@LXVNDIL) @ICPLF VOL QN\IV

NKF IC@G EV+



PL@VECK = XNML

Ninrbs nkf Ic`gs

FELDCIF E"PLTELP: NINTBP >

K@T <888 PLTELP: NINTBP >

K@T <<#<1#<?88 PLTELP: NINTBP 4

VTEVCK PLTELP NVBP: NINTBP 4

IC@GP: BNP Onbeitck 4

N`tevnteck ca Ic`g arcb An`tcry Bcfl: Bns Onbeitck 0

Plrve`l @nii cplkekm Bns Onbeitck Ic`gs: 0

Plrve`l `nii `icsekm Bns Onbeitck Ic`gs: 6

Dnse` @cbdeknteck Ic`gs 6

FENI IC@G @CBDC @ONKML: <



K@T <<#<1#<?88 PLTELP: NINTBP

Vol bnjcr feaalrlk`l dltwllk tol ciflr bcflis nkf tol klwlr slrels es) tol usl ca n 4< pek TP404`ckkl`tcr nt tol prc`lsscr ca tol bnòekl+ Vol ninrb rlquerls tont) '>4 QF@ dl prcvefl tc pcwlr uptol ninrb torcumo toes `ckkl`tcr+ Vype`niiy) tol ninrb pnkli prcvefls toes vcitnml nickm weto dnttlry

dn`g"up―s ek scbl `nsls+

K@T nisc ons nk ninrb tlstlr woeò tngls pcwlr arcb tol pcwlr `ckkl`tcr) nkf piums ektc tol TP"404`ckkl`tcr tc bcketcr tol auk`teckniety ca tol ninrb+ ILF―s socw tol ùrrlkt stntl ca lnò ca tol ninrbstypls7 fccr `cktn`t) olnt# vedrnteck nkf seilkt+ Vol usl ca toes tlstlr `nk dl olipaui ek trcudilsocctekm prcdilbs weto tol ninrb ck tol NVB+

VTEVCK PLTELP NVBP: NINTBP

Vretck ckiy ekìufls ninrb auk`teckniety ck tolrl VI>< vnuit styil ukets+ Nii ctolr Vretcks onvl n toekwniilf vnuit styil fccr nkf ic`g+ Vol liebeknteck ca tol toe`g wniilf vnuit rlfu`ls tol `cst ca tol NVB) dut ek`rlnsls tol resg ca drlng"ek cr rlbcvni+

IC@GP: BNP Onbeitck

Bcst NVB―s tolsl fnys lbpicy tol usl ca tol ’Bns Onbeitck‒ ic`g systlb+ Voes ic`g `nk stcrl lnòuslr ca tol ic`g acr rltrelvni nt n auturl fntl+ Vol ic`g usls splèni glys tont) iccg iegl dnttlrels) nkf`cktnek tol uslr eflkteae`nteck+ Lnò uslr es essulf n gly tont `cktneks tolrl knbl+ Ckiy ckl ic`g `nk dlcplklf nt n tebl) nkf lnò ic`g bust dl `niilf ek tc tol Bns Onbeitck `cbputlr tc fltlrbekl tol`cbdeknteck+

Ea n uslr ons nkctolr ic`g cplk) ol cr sol `nkkct cplk tont ic`g uktei tol ùrrlkt cplk ic`g ons dllkìcslf+ Voes prcvefls nk lxtrn blnsurl ca slùrety) nkf liebekntls nky uslr tc cplk ns bnky ic`gs nstoly wnkt+ Volsl `cktrcis niicw tol suppielr ca `nso tc onvl n gly) tol slrve`ls tc onvl n gly) nkf tol dnkg cr cwklr tc onvl ckl+ Vol rcutl suppielr ca `nso bust `nii ektc n `cbputlr tc mlt tol lil`trcke``cbdeknteck acr nky mevlk ic`g+

Nii Bns Onbeitck ic`g―s rlquerl tont n ìcsl slni dl cdtneklf natlr tol ic`g ons dllk slùrlf+ Voesìcsl slni es tolk) `niilf ektc tol Bns Onbeitck `cbputlr) nkf tol ic`g es tolk ìcslf+ Ea n tlòkeènkacrmlts tc mlt tol ìcsl slni) toly bust rlturk tc tont ic`g tc cdtnek n ìcsl slni) cr tol ic`g rlbnekscplk ck tol Bns Onbeitck `cbputlr + Pcbltebls) tol cplklf ic`g `nk dl souaailf tc nkctolr tlòkeènk `nusekm n slrels ca prcdilbs+Ck`l souaaiekm ca ic`gs dl`cbl n prcdilb) tolrl nrl ic`gs cplk nii cvlr tol pin`l nkf et mlts onrf tc`cktrci+ Bngl surl tol ìcsl slni es cdtneklf wolk tolsl ic`gs nrl lk`cuktlrlf+ Vol Bns Onbeitckic`g bust dl n`tevntlf tc wcrg weto `lrtnek glys+ N ic`g `cbls slt ek tol ’AIB‒) cr An`tcry Bcfl)weto n ’prlslt `cbdeknteck‒+ N slrels ca stlps nkf `lrtnek glys nrl rlquerlf tc n`tevntl tol ic`g arcban`tcry bcfl7

N`tevnteck ca Ic`g arcb An`tcry Bcfl: BNP Onbeitck

Tlquerlf Etlbs: A Gly /Aelif gly Diul%) PN Gly /@onkml gly Tlf%) @onkml Gly nkf N`tevnteck@cbdeknteck



>% Xcwlr up /Vurk @@] uktei L@ es fespinylf%4% Lktlr An`tcry @cbdeknteck" <8"4<"<8 /CXr es fespinylf%0% Vurk feni @] tc cplk ic`g nkf fccr 6% Ekslrt @onkml gly ektc sc`glt<% Vurk feni @@] nkf ìcsl ic`g /Kct tol fccr% ’L@‒ es fespinylf1% Lktlr An`tcry @cbdeknteck" <8"4<"<8 /EPN fespinylf%

=% Ekslrt nkf ocif ’PN‒ gly uktei ’XC@‒ es fespinylf?% Xuii cut ònkml gly ’CXr‒ es fespinylf5% Vurk feni @] tc cplk ic`g >8% Vurk feni @@] tc ìcsl ic`g uktei ’L@‒ es fespinylf>>% Lktlr ’N`tevnteck @cbdeknteck― ’EX> es fespinylf‒>4% Ekslrt nkf ocif ’A‒ gly ek gly rlnflr uktei ’CXr‒ es fespinylf>0% Vurk feni @] tc cplk ic`g nkf ìcsl fccr >6% Vurk feni @@] tc ìcsl ic`g uktei ’EX>‒ es fespinylf><% Ekslrt nkf ocif ’A‒ gly uktei ’ìcsl slni‒ es fespinylf" ’Tl`crf @icsl Plni‒>1% @nii Bns Onbeitck `cbputlr nkf rlpcrt tol ’ìcsl slni‒

Vol prc`lfurl uslf n klw an`tcry ic`g nkf n n`tevntlf aelif /diul% gly+ Voes gly `nk kcw dl uslf dytol tlòkeènk tc cplk toes ic`g+ Vol aelif gly onf dllk prlprcmrnbblf nt tol Bns Onbeitck `cbputlr dlacrl et wns slkt tc n`tevntl toes ic`g+ ]olk ekstniiekm tolsl Bns Onbeitck ic`g―s) tol sonat ilkmto `nkfeaalr arcb ckl NVB typl tc nkctolr+ Vol sonat `nk dl ùt tc ilkmto tc aet `crrl`tiy+

]olk tol tlòkeènk rlquerls lktry tc tol NVB vnuit) ol cr sol) bust `nii tol Bns Onbeitck `cbputlr cplrntcr tc mlt n `cbdeknteck acr n ic`g+ Vol tlòkeènk―s gly weii ckiy cplk tol ic`g natlr tol`cbdeknteck ons dllk mevlk+ Vol prc`lfurl acr toes es ns aciicws7

Plrve`l @nii cplkekm BNP Onbeitck Ic`gs:

>% Xcwlr up /Vurk @@] uktei L@ es fespinylf%4% Lktlr ’@cbdeknteck― ’EX> es fespinylf‒0% Ekslrt nkf ocif ’A‒ diul gly ek gly rlnflr uktei ’CXr‒ es fespinylf6% Vurk feni @] tc cplk ic`g

Plrve`l `nii ìcsekm BNP Onbeitck Ic`gs:

>% Vurk feni @@] tc ìcsl ic`g uktei ’EX>‒ es fespinylf4% Ekslrt nkf ocif ’A‒ gly uktei ’ìcsl slni‒ es fespinylf" ’Tl`crf @icsl Plni‒0% @nii Bns Onbeitck `cbputlr nkf rlpcrt tol ’ìcsl slni‒

]retl fcwk tol ìcsl slni wolk ycu mlt et cr ycu bny dl olnfekm dn`g tc tont ic`nteck nmnek+Pcbltebls tol Bns Onbeitck gkcd―s `nk anii caa tol ic`g+ ]olk toes onpplks tol gkcd `nk lnseiy dlrlbcuktlf dn`g ektc pcseteck+

Ea tol Bns Onbeitck ic`g es fnbnmlf nt tol glydcnrf) n klw glydcnrf `nk dl ekstniilf mevekm toltlòkeènk n``lss + Ns ickm ns) tol ailxedil èrùet dcnrf es steii prlslkt) tol ic`g an`l `nk dl rlpin`lfnkf tol aexlf+ Ck`l tol èrùet dcnrf ons dllk puiilf arcb tol rlnr) et es nibcst ebpcssedil tc n``lsstol ic`g acr rlpner wetocut freiiekm+



Picw rln`teck ca tol ’L@‒ wolk spekkekm tol gkcd ic`g `cuif blnk tol lil`tre` mlklrnteck pnrt ca tolic`g es mcekm+ Vry sicw nkf anst bcvlblkts wolk tryekm tc pcwlr up n anuity ic`g+ Voes sicw rlspckslsocuif kct dl emkcrlf) nkf `ckseflrnteck socuif dl bnfl acr tol rlpin`lblkt ca tol dn`g pinkl+ LnòBns Onbeitck ic`g ’dn`g pinkl‒ ons tol NVB ekacrbnteck nkf `cfekm stcrlf ek et nkf et `nk dlsouaailf arcb ckl NVB tc nkctolr wetocut n `cbpiltl fesnsslbdiy ca tol ic`g an`l+

Dnse` @cbdeknteck Ic`gs:

Vwc bnek styils ca `cbdeknteck ic`gs nrl lbpicylf ek NVB―s+ Vwc typls ca ònkml glys nrl rlquerlftc slt tol `cbdekntecks ck tolsl ic`gs+ ]olk ònkmekm tol `cbdeknteck ck nky ic`g) tol klw`cbdeknteck socuif dl vlreaelf nt ilnst torll tebls dlacrl tol fccr es ìcslf+ N ’ic`g Cut‒ es n alnr ca nii tlòkeènks) lsplèniiy furekm n sebpil `cbdeknteck ic`g ònkml prc`lfurl+ Vol tlòkeènk socuifniwnys tngl tolrl tebl furekm toes `rete`ni nfjustblkt+

Lnò ic`g styil ons torll slt―s ca kubdlrs tont kllf tc dl lktlrlf tc cplk tol ic`g+ Aerst) tol ic`g esniwnys ìlnrlf dy turkekm tol feni tc tol ’ilat‒ nt ilnst acur tebls `cbpiltliy arcb 8">88+ Volk) tol aerstkubdlr es stcpplf nt) tol feni es tolk turklf pnst tol sl`ckf kubdlr tc tol remot twe`l) stcppekm ck tontkubdlr tol toerf tebl+ Klxt) tol feni es turklf tc tol ilat pnst tol toerf kubdlr ck`l nkf stcppekm ck ettol toerf tebl+ Aekniiy) tol feni es turklf tc tol remot stcppekm nt 58+ Kcw tol ic`g es cplk) tol vnuitonkfil `nk dl turklf tc cplk tol vnuit+

Ea tol ic`g fcls kct stcp ck tol feni nt 58) tol spiekl gly bny kct dl slt"up `crrl`tiy+ Vol spiekl gly`nk dl slt up ek acur feaalrlkt `ckaemurntecks) flplkfekm ck ocw tol fccr cplks+ Ptnkfekm ek arckt ca tol fccr) fltlrbekls ocw tol spiekl gly es slt+ Ea tol fccr cplks tc tol ilat) tol spiekl es slt nt ’IO‒ cr ilat onkf+ Ea tol fccr cplks tc tol remot) et socuif dl slt"up acr ’TO cr remot onkf+

Vc slt tol ic`g up acr lktlrekm tol klw `cbdeknteck) tol cif `cbdeknteck bust dl lktlrlf aerst ek tol’@onkml Ekflx‒ bnrgekms+ Vol ònkml gly `nkkct dl ekslrtlf uktei toes es `cbpiltlf+ Vol ansèn ca tolic`g ons n onso bnrg tc ilat ca tol zlrc gly bnrg) toes es gkcwk ns tol ’@onkml Ekflx‒+ Vc slt tol`cbdeknteck ca tol ic`g s) sebpiy feni tol gkcwk `cbdeknteck ca tol ic`g) ck tol ònkml ekflx bnrg)ekstlnf ca tol zlrc gly+

]olk fltlrbekekm nky `cbdeknteck ca n ic`g) tol inst kubdlr socuif klvlr dl dlicw 48+\sl ycur toubd tc `cvlr tol zlrc gly bnrg) ea ycu kllf tc nssurl tol ic`nteck ca tol ònkml ekflx)aciicw toes prc`lfurl7 Kctl/Onvl tol klw `cbdeknteck rlnfy%7

FENI IC@G @CBDC @ONKML: \PL @ONKML EKFL_

>% Cplk ic`g nkf fccr "rlbcvl dn`g `cvlr ea ònkml gly ocil es kct nvneindil4% ]eto fccr cplk" Feni `cbdeknteck ca ic`g ck ’ònkml ekflx‒ stcppekm ck tol ’toerfkubdlr‒0% Ekslrt tol ’@onkml gly‒ nkf turk ic`gekm et ektc pcseteck6% Vurk Feni tc tol ilat ilnrekm et nt ilnst 6 `cbpiltl tebls<% Ptcp ck tol aerst kubdlr nt tol ònkml ekflx



1% Vurk tol Feni tc tol remot pnst tol sl`ckf kubdlr twe l stcppekm ck et tol toerf tebl=% Vurk tol Feni tc tol ilat pnst tol toerf kubdlr stcppekm ck et tol sl`ckf tebl?% Tlbcvl tol ònkml gly /rlpin`l nky `cvlrs tc tolrl cremekni pcseteck%5% Vlst ic`g weto fccr cplk nt ilnst torll tebls

Ea toes prc`lfurl es fckl ek`crrl`tiy cr tol ic`g weii kct cplk) tol ic`g dn`g `cvlr `nk dl tnglk npnrt

nkf tol mntls ieklf up tc n``lpt tol ònkml gly+ Voes prc`lfurl `nk dl rlplntlf natlr tol dn`g `cvlr es put dn`g ck+ Vol `nbs ca lnò wolli mlt ic`glf ektc pcseteck wolk tol ònkml gly es ekslrtlf) ek tolrlbctl pcssedeiety tont tol `nb wolli es kct lkmnmekm tol ic`g socuif dl rlpin`lf+



PL@VECK ?

NVB ANEI\TL @CFLP XNML MLKLTNI: >

Feldcif Flve l Ptntus @cfls: >

>PV Dytl Flaeketecks: FLQE@L AN\IVP 4

L_NBXIL PVNV\P BLPPNMLP DU FLQE@L: 0

Fesplkslr 0

Ans`en cr Xrlslktlr Anuits: FT8> 6

Lil`trcke` Fntn @npturl Ptntus Blssnml: 6

@cksublr Glypnf Ptntus Blssnml: 6

K@T ANEI\TL @CFLP: <

K@T <888: <

K@T <<#<1#<?88 <

VTEVCK 5<88#5188 Aneiurl @cfls: 1

Vretck Pnbpil `cfls: =

Plil`tlf Fesplkslr Lrrcr `cfls: =

@cbbuke`nteck anuits: Pystlb \knvneindil =



NVB ANEI\TL @CFLP:

MLKLTNI:

Flplkfekm ck tol typl nkf bcfli ca ycur NVB aneiurl) `cfls `nk dl uslf tc fltlrbekl splèae` fltneis

ca tol anuit weto tol bnòekl+ Volsl fltneis) ns cutieklf dy tol `cfls) `nk dl`cbl n stcry"iekl) ilnfekmup tol knturl ca tol prcdilb wetoek n `lrtnek flve`l ck tol NVB+ Volsl flve`ls onvl ukequl `cflswoeò letolr `nk dl iccglf up ek n `cfl dccg) cr pin`lf ektc n `cbputlr prcmrnb tc dl drcglk fcwknkf rlnf+

Feldcif Flve l Ptntus @cfls:

Feldcif E"slrels NVB―s aneiurl `cfls socw up ek n iest nkf nrl prektlf tc tol lil`trcke` jcurkni cr jcurkni prektlr+ Volsl `cfls stntl n anuit blssnml tont `nk dl iccglf up ek tol ’Ektlrdcif Flve`l PtntusTlalrlk`l Bnkuni‒+ Ea tol glydcnrf es uslf) ycu `nk velw tol stntus iest) woeò flaekls tol `cfl+ Voes`nk snvl buò tebl ek tryekm tc iccg up tol `cfls+

Vol Feldcif stntus `cfl anuit blssnmls npplnr ck tol ’FNI‒ /Flve`l N`tevety Icm% nkf Ptntus iestusekm tol ’GFB‒ /Glydcnrf Fespiny Bcfuil%) cr glydcnrf+ Vol flve`l typl es mevlk n kubdlr) acr lxnbpil ’XT8>‒ wcuif blnk flve`l ’prektlr‒ nkf flve`l >+ Voes prektlr es tol ’`cksublr prektlr‒ nsflve`l stcrlf ns ) >+ \sekm ’V@P‒ blnks ycu nrl usekm tol ’Vlrbekni @cktrci Pcatwnrl‒) nkf ycu`nk velw tol stntus iest wetocut rlalrrekm tc tol onkfdccg+ Voes es fckl usekm tol glydcnrf ekstlnf ca tol ’woetl rc`glr‒ duttck+

Ptntus iest anuits `nk dl flaeklf dy aerst tol typl ca flve`l /FLQ%) tolk tol flve`l typl nkf kubdlr /XT8>%) klxt tol trnksn`teck kubdlr /PK"888>% ck tol aerst iekl+ Vol sl`ckf iekl socws tol stntus `cfl/06:08:45% tolk tol kubdlr ca `ckslùtevl tebls tol anuit `cfl ons c`ùrrlf /"8=8%+ Voes blnks tonttol flve`l `nk dl escintlf dy anuit) tebl nkf ckmcekm essuls weto tol flve`l+

Vol aciicwekm Flve`ls nrl iestlf ns ebpcrtnkt: Mlklrni flve`ls

@TF" @nrf Tlnflr

FPX" Fesplkslr

FLX" Flpcsetcr

A@N" Anèn

XTV" Xrektlr /up tc torll flve`ls%

GUD" Glydcnrf

Vol flve`l―s nrl drcglk fcwk dy Flve`l Kubdlr nkf Vypl:

@T8># @TF" @nrf Tlnflr

F>8> cr F58># FPX" Fesplkslr



FX8># FLX" Flpcsetcr

FT8># A@N" Ansèn

XT8># XTV" Xrektlr /up tc torll flve`ls%

GL8># GUD"Glydcnrf

Ek tol bnek blku) ycu `nk velw tol stntus iest) tolk prekt et cut tc aekf cut ndcut `lrtnek anuits cr

ckmcekm prcdilbs+ Vol iest socuif dl ìlnrlf ck`l tol anuits onvl dllk `crrl`tlf tc bnektnek n arlsosocrtlk iest ca anuits+ Lvlrytebl tol bnòekl es put ek suppiy) cr tol vnuit fccr es cplklf) n `cfl eswrettlk tc toes icm+ Volsl `cfls socuif dl emkcrlf ukilss ycu nrl onvekm ninrb essuls+ Volsl ninrb`cfls nrl tol aciicwekm7

KLV NIC> 0A:?8:CC) KLV NIC> 0A:?8:?>

Vol fntl nkf tebl ca tol anuit nickm weto tol flve`l `cfl es fcùblktlf ck tol iest+ Ea n swepl `nrfrlnflr es uslf) ycu bny dl mlttekm n ict ca ’@TC>‒ anuits+ Voes es dl`nusl bnky ùstcblrs ruk tolrl`nrf torcumo ek`crrl`tiy+ Volsl anuits socuif dl emkcrlf ukilss ycu nrl onvekm n inrml kubdlr ca tolb/e+l+ ;<8%) cr ycu onvl n `nrf rlnflr anuit+ Volsl `cfls nrl tol aciicwekm7

FLQ @TC> 0A:64:68

Vol drlngfcwk ca tol `cfl ndcvl socws tont tol `nrf rlnflr flve`l /FLQ @TC>% ons n wnrkekm+ Volklxt dytl ca tol blssnml es niilf tol ’Ptntus Onkfilr Dytl‒ /0A% toes `nk dl iccglf up ek tol PtntusOnkfilr Flaeketecks ns n wnrkekm+ Voes aerst dytl ca tol stntus `cfl es flaeklf dy tol aciicwekm7

>PV Dytl Flaeketecks: FLQE@L AN\IVP

4>" Cplrnteck @cbpiltl" Kc Xrcdilb

40" Vebl Cut" Flve`l es kct rlspckfekm tc tlrbekni

4F" Nttlkteck Tlquerlf" Puppiels icw

08" Tljl`t" Flve`l prcdilb

0>" Efil" Flve`l prcdilb

0?" @cbbuke`nteck " Kc rlspcksl

05" Anuit" Cplrnteck fef kct stnrt ck flve`l

0N" Anuit" Flve`l bny onvl stnrtlf

0D" Anuit" Vry cplrnteck nmnek

0@" ]nrkekm" Flmrnflf plracrbnk`l

0F" Anuit" Puppiels cut

0L" Anuit" Tlquerls Tlpner

0A" ]nrkekm" Flve`l prcdilb

L_NBXIL PVNV\P BLPPNMLP DU FLQE@L:

Fesplkslr:

F>8>: 0F:0>:0=

F>8>: 0F:0>:0?

Drlngfcwk ca `cfls socws tont tol Fesplkslr /F>8>% ons n anuit /0F% woeò es flaeklf dy /0>:0?% ektol `cfl dccg+



Voes `cfl socws n `cbbck allf aneiurl lrrcr+ Vol `cfl `nk c`ùr wolk klw `nso es dlekm uslf nkf esonvekm trcudil dlekm pe`glf) cr ea tol strepplr wollis nrl fnbnmlf nkf rlquerl rlpin`lblkt+ N vesuniekspl`teck ca tol `nso nkf strepplr wollis es rlquerlf+ ea klw `nso es dlekm uslf) bngl surl tol ’olnfsnrl tc tol onkfils‒+

F>8>:0L:00:00

F>8>:0L:00:06F>8>:0L:01:08

Drlngfcwk ca `cfls socws tont tol Fesplkslr /F>8>% ons n anuit /0L% woeò es flaeklf dy /00:06 nkf01:08% ek tol `cfl dccg+

Voes `cfl `nk socw up ea tolrl es n jnb scblwolrl dltwllk tol fcudil fltl`t nkf tol lxet slkscr+@ol`g acr pel`ls ca deiis) woeò bny dl dic`gekm tol slkscrs n jnb ek tol dlits ck tol dn`g ca tolfesplkslr+

F>8>:0A:0>:0?

Drlngfcwk ca `cfls socws tont tol Fesplkslr /F>8>% ons n ]nrkekm /0A% woeò es flaeklf dy /0>:0?%ek tol `cfl dccg+

Voes `cfl `nk socw up ea tolrl es nk lbpty `nsslttl dl`nusl kc deiis `nk dl pe`glf arcb allf bcfuil4+ Voes `cfl es just n wnrkekm) nkf tol bnòekl socuif steii stny ek slrve`l+

Volrl nrl sc bnky anuits tont `nk dl iestlf tont tol dlst wny tc fltlrbekl tol prcdilb es tc stnrt rukkekmtlst―s ek tol fenmkcste` blku+ Nisc) òl`g acr nky rlplnt aneiurls tont bny onvl c`ùrrlf+ Vol fesplksltlst socuif pe`g < deiis arcb lnò `nsslttl nkf put tolb ek tol bckly trny+

Lxplrelk`l es tol gly wolk rlpnerekm tolsl fesplkslr―s+ Acr lxnbpil) tol fesplkslr bny nisc onvlAnsèn anuits) ns wlii) tont `cuif dl cvlriccglf+ Volsl nrl iestlf ns) FT8> `cfls) nkf socuif dl mevlkns buò nttlkteck ns tol F>8>cr F58> `cfls+

Ansèn cr Xrlslktlr Anuits: FT8>

FT8>:0N:0>:6>

Voes anuit /0N% es flaeklf ns n Xrlslktlr prcdilb /FT8>% ek woeò tol bckly trny weii kct bcvl furekmn prlslkt cplrnteck+ Pcbltebls tol stn`glr `nk dl tc dinbl acr toes prcdilb) cr tol `nb slkscr `nk mltferty `nusekm tol trny kct tc bcvl+

FT8>:0N:00:6>

Voes anuit /0N% es flaeklf ns n Xrlslktlr prcdilb /FT8>% ek woeò tol Lxet souttlr weii kct cplk furekmn prlslkt cplrnteck+ Vol lxet swetò socuif dl òl`glf acr ektlrbettlkt cplrnteck) nkf nfjustlf`crrl`tiy tc prlvlkt toes typl ca anuit+

FT8>:0N:0=:6>



Voes anuit /0N% es flaeklf ns n Xrlslktlr prcdilb /FT8>% ek woeò tol acrwnrf frevl weii kct lkmnmlfurekm n prlslkt cplrnteck+ Vol stn`glr `cuif dl tol dinbl acr toes `ckfeteck+

Vol prlslktlr `nk socw nii gekfs ca anuits) bngl surl n `cbpiltl tlst ca tol ansèn fenmkcste`s es plracrblf natlr rlpner ca tol flve`l+

Lil`trcke` Fntn @npturl Ptntus Blssnml:

XT80:0F:18:68

Vol drlngfcwk ca toes `cfl socws tont tol Xrektlr 0 /XT80% )woeò es tol LF@) ons n anuit /0F%)woeò `nk dl iccglf up ek tol flve`l onkfdccg ns LF@ auii+ Voes blnks tol fesg es auii nkf rlquerlsrlpin`lblkt+ Vol NVB weii rlbnek cut ca slrve`l uktei tol fesg es ònkmlf nkf nttlkteck blssnml esslkt tc tol kltwcrg+

@cksublr Glypnf Ptntus Blssnml:

GL8>:0L:6>:68

Vol drlngfcwk ca toes `cfl socws tont ckl ca torll glydcnrf―s /GL8>% ons n anuit /0L% woeò `nk dliccglf up ek tol onkfdccg ns gly es ìcslf bcrl tonk < bekutls+ Voes blnks ckl ca tol 0 glydcnrfs es pcssediy ektlrbettlkt ea tol glydcnrf pnssls nii et―s tlst+ Vry rlvlrsekm tol ilat nkf remot glydcnrf +Tlpin`lblkt ca tol sbniilr glydcnrfs es `cbbck+ Bcst kltwcrg―s weii pe`g toes anuit up ns n `nrfrlnflr anuit) tol bnòekl es tnglk cut ca slrve`l) dut n icnf slkt weii drekm et dn`g up teii tol anuit c`ùrsnmnek+

Feldcif bnòekls fc kct rlquerl tont tol anuit `cfls dl ìlnrlf+ Plkfekm n icnf tc tol bnòeklscbltebls `nk ìlnr tol anuits+ Fesplkslr anuits nkf jnbs `nk dl ìlnrlf dy n icnf) tolrl es n <8" <8ònk`l tont n icnf weii tlbpcrniiy ìlnr tol anuit+ K@T ANEI\TL @CFLP:

K@T bnòekls ocif tol anuit `cfls uktei n tlòkeènk socws up ck setl) aexls tol prcdilb nkf ìlnrs tolaetklss icm+ Flplkfekm ck wont slrels K@T NVB ycu nrl slrveèkm tol anuits socw up ck dcto tol arckt pnkli nkf ek tol aetklss icm+ Acr tol K@T <888) n ’Fenmkcste` Ptntus @cfl Onkfdccg‒ `nk dl uslf tccdtnek n drlngfcwk ca stntus `cfls+ Ck tol klwlr K@T <<#<1#<?88 bcflis n fesg )`cktnekekm n anuit`cfl trnksintcr) `nk dl uslf tc nkniyzl nky mevlk anuit+

K@T <888:

Vol drlngfcwk ca `cfls usekm toes dccg `nk dl tebl `cksubekm nkf socuif ckiy dl uslf natlr nkniyzekm tol aetklss icm rlpcrt+ Vol aetklss icm rlpcrt `nk dl prektlf cut nkf socwekm lnò aneiurlstntus `cfl weto fntl nkf tebl+ Ek bcst `nsls) tol anuits `nk dl sllk nt tol flve`l+ Acr lxnbpil)fesplkslr pe`g prcdilbs nrl stntlf ns n kubdlr acr lnò bcfuil) ekstlnf ca onvekm tc drlngfcwk tol`cfl) toes rlpcrt `nk bcst tebls socw tol prcdilb weto tol flve`l dnslf ck tol kubdlr ca aneiurls+

Dy prektekm n `cpy ca toes rlpcrt) lnò flve`l nsslbdiy `nk dl iccglf nt nkf anuits `nk dl fltlrbeklf dnslf ck tol inst ìlnrekm ca tol rlpcrt+ Voes aetklss icm rlpcrt socuif dl ìlnrlf natlr n bnjcr rlpner) cr ckmcekm essuls onvl dllk rlscivlf ns tc gllp n ùrrlkt icm ca aneiurls ck lnò flve`l+ Ea n rlsciuteck



`nk kct dl fltlrbeklf dy iccgekm nt tol rlpcrt) tonk tol tcp ca tol rlpcrt socws tol stntus `cfls acr tolflve`l ek qulsteck nkf weii rlquerl et dl drcglk fcwk nkf nkniyzlf+

Voes rlalrlk`l muefl weii kct rlvelw tol drlngekm fcwk ca tolsl `cfls dnslf ck et dlekm n wnstl ca teblnkf kct dlklaeèni tc tol tlòkeènk ek tol aelif+ Tlplntlf aneiurls bny rlquerl tolsl `cfls tc dl drcglkfcwk acr n bcrl n`ùrntl n``cukt ca tol aneiurl+ Bcst mccf tlòkeènks rnrliy) ea lvlr) drlng tolsl

`cfls fcwk+

K@T <<#<1#<?88

Ck tol Klwlr <<#<1#<?88 slrels K@T NVB―s n @F es nvneindil `cktnekekm tol ’NVB Ptntus @cflVrnksintcr‒ prcmrnb ek woeò tol cfl `nk dl typlf ek nkf tol prcdilb es prlslktlf+ Voes @F socuifckiy dl uslf ea tol anuit `nkkct dl fltlrbeklf dy tol aetklss icm) cr tlstekm ca tol flve`l+ Buò teblnkf lklrmy es wnstlf dy tol tlòkeènk iccgekm up tolsls `cfls ck tol @F prcmrnb wolk `cbbckslksl nkf mlklrni dnse` trcudilsocctekm bltocfs nrl uslf+

Vol an`t tont bcst prcdilbs fc kct rlquerl tont n stntus `cfls dl drcglk fcwk ek tol nttlbpt tc rlpner tol K@T NVB) prcvls tont et socuif ckiy dl uslf ek lxtrlbl `nsls wolrl tol tlòkeènk es onvekm tcgllp mcekm cut tc rlscivl tol snbl essul+ Dnse` gkcwilfml ca tol aerst ’Vlrbekni Olnitoiy‒ s`rllk cktol I@F fespiny socuif pcekt tol tlòkeènk) cr uslr ek tol remot ferl`teck ck ùrekm tol anuit weto tolNVB+Vol tlrbekni olnitoy s`rllk `nk onvl nky kubdlr ca anuits arcb > ca >) tc > ca >8 anuits+ Vol s`rllk es prlslkt wolk tol NVB es ek slrve`l dy prlssekm tol 4kf gly fcwk ck tol ilat sefl ca tol I@F fespiny+Voes duttck `nk dl prlsslf ek nky bnek blku tc iccg nt tol ’PCO‒ /Ptntl ca Olnto%+ Vol s`rllk letolr socws tlrbekni olnitoy) cr s`rciis torcumo n iest ca anuits weto tol NVB+

Vol s`rllk s`rciis n`rcss socwekm tol anuits lvlry 4"0 sl`ckfs+ Volsl anuits socuif dl kctlf+ Pcblbnòekls onvl anuits nii tol tebl woeò `nk dl cvlriccglf+ Pcbl ca tolsl `cuif dl7 ’`nsslttl 4bessekm‒ cr ’slkscr < rlquerls ìlnkekm‒+ Vol `nsslttl bessekm bny dl kcrbni) nkf tol slkscr < es ngkcwk dum weto tol K@T NVB woeò socuif dl cvlriccglf+

Volsl anuits `nk nisc dl acukf ek tol ’Fespiny Aetklss‒ rlpcrt nrln+ Vol fespiny aetklss ekacrbnteck es drcglk fcwk ektc torll typls ca aneiurls7 ]nrkekm blssnmls) Tcutekl Anuits nkf Antni Anuits+ ]nrkekmblssnmls bny kct socw up ck tol tlrbekni olnitoy s`rllk nkf bny kct rlquerl nky nttlkteck+ Volslanuits socuif kct tngl tol NVB cut ca slrve`l+ Nk lxnbpil ca toes typl ca anuit es7 ’`nrf rlnflr"]nrkekm‒+ Voes `cuif blnk tont n `nrf wns kct tnglk) cr n ’tlnsl‒ bny onvl c`ùrrlf ck tol `nrfrlnflr+

]nrkekm blssnmls `nk dl ìlnrlf cut wetocut onvekm tc tlst tol flve`l+ Dy ’ìlnrekm aetklss‒ tol icm ca anuits nrl ìlnrlf dut kct tlstlf+ Volsl anuits bny `cbl dn`g ck tol tlrbekni olnitoeiy s`rllk ea tolflve`ls nrl kct tlstlf dy usekm tol ’@PCO‒ /@ilnr Ptntl ca Olnto% s`rllk tlsts+ Tcutekl anuits `nk socwup ek dcto tol tlrbekni olnitoy s`rllk nkf tol aetklss icm+

Volsl anuits fc kct rlquerl ebblfentl nttlkteck nkf socuif dl ìlnrlf dy ìlnrekm tol aetklss+ Volslanuits `nk bcketcr tol ekgjlt weto n `cuktlr nkf socw ’ekgjlt ons rlnòlf tol lkf ca et―s ieal‒) cr ’su`teck ùps rlquerl rlpinèkm‒+ Vol ekgjlt bny dl aekl nkf tol su`teck ùps nrl bcst iegliy aekl nswlii+



41O" Dic`glf Lxet Plkscr

4NO" Vebekm wolli lrrcr

@cbbuke`nteck anuits `nk dl `ol`glf ck tol lil`trcke` jcurkni natlr prektekm) cr ck tol jcurkni prektlr+Volsl anuit `cfls `nk fltlrbekl woy tol NVB es niwnys socwekm ’systlb uknvneindil‒+ Volsl anuit`cfls nrl iestlf olrl7

@cbbuke`nteck anuits: Pystlb \knvneindil

@cfl:>) >>" Bcflb tebl"cut acr 1< sl`ckfs

@cfl:0" Kc `cbbuke`nteck nt nii

@cfl:6" Bcflb lrrcr "kc feni tckl

@cfl:=" Xockl iekl dusy

@cfl ?" Kc nkswlr

@cfl 45" Tlvlrsni ca trnksn`teck" Kc fesplksl natlr npprcvni) bn`oekl `niis dn`g kltwcrg natlr

trnksn`teck+



PL@VECK 5

NVB ANEI\TL

@CKFEVECK#PCI\VECK @OL@GP XNML

>PV IEKL DNPEP @ol`gs: >

FELDCIF NVB E"PLTELP: @CBB\KE@NVECK >

K@T NVB"PLTELP@CBB\KE@NVECK >

VTEVCK 5<88#5188 PLTELP@CBB\KE@NVECK 4

FELDCIF E"PLTELP@TV 4

K@T <888 PLTELP@TV: 0

K@T <<#<1#<?88 PLTELP@TV: 0

VTEVCK 5<88: I@F w# Dn`giemot 6

VTEVCK 5188 @cicr# Bckc @orcbl I@F Fespiny <

FELDCIF E"PLTELP: @nrf Tlnflr B@T] <

K@T PLTELP: @nrf Tlnflr B@T] 1

Kctl: @ol`g Duiilteks acr B@T] 1

VTEVCK PLTELP" ’Nii Piefl @nrf Tlnflrs 1

FELDCIF E"PLTELP" GLUDCNTFP =

K@T PLTELP" GLUDCNTFP =

Kctl: @ol`g Lil`trcke` Duiiltek " Gly dcnrfs " K@T Xln`o ?

VTEVCK 5<88 PLTELP ?

FELDCIF E"PLTELP: XTEKVLTP FCV BNVTE_ /Lpsck% 5

FELDCIF E"PLTELP: XTEKVLTP VOLTBNI /Nxecob% 5

K@T <888 PLTELP: FCV BNVTE_ XTEKVLTP >8

K@T <188 PLTELP: FCV BNVTE_ XTEKVLTP >4

K@T <<#<1#<?88 PLTELP:Volrbni Xrektlrs >4



NVB ANEI\TL @CKFEVECK#PCI\VECK @OL@GP

Voes sl`teck socuif olip nkf nef tol tlòkeènk wolk n `lrtnek `ckfeteck es nt tol NVB+ Vol `ckfeteckes prlslktlf nickm weto n iest ca pcssedil sciutecks+ @cbbck slksl pinys nk ebpcrtnkt rcil ekfltlrbekekm nky prcdilb weto tol NVB+ Dlacrl `cksuitekm toes muefl tol tlòkeènk socuif onvl

plracrblf dnses >st iekl prc`lfurls woeò ekìufl tol aciicwekm7

>PV IEKL DNPEP @ol`gs:

>% Qlreay aneiurl dy òl`gekm aneiurl `cfls) icms nkf kltwcrg

4% Qesedil ekspl`teck ca flve`l ek qulsteck

0% Tlslt cr ìlnrekm ca aetklss nickm weto tlstekm ca flve`l

6% @ilnkekm) dicwekm cut ) iudre`nteck ca flve`l /e+l+ Xrlvlktntevl Bnektlknk`l%

<% Fupie`nteck ca flve`l rlintlf aneiurl

1% Eflkteae`nteck ca aneilf flve`l cr sudnsslbdiy nkf icss ca blbcry cr `ckaemurnteck

=% Qlreae`nteck tont kltwcrg es up) icnf ons dllk slkt nkf iekls nrl C+G+

FELDCIF NVB E"PLTELP:

@CBB\KE@NVECK: ’\kndil tc @cbbuke`nteck weto Ocst‒

>% Ekstnii iccpdn`g TP404 pium nkf tlst4% Qlreay ’FVT‒ ck beke tlstlr flve`l ) Ea kckl prc`lsscr bny dl dnf0% Ea PVX dcnrf `ckseflr rlpinèkm B@>6?? nkf B@>6?5 E+@+ oeps" `cbb òeps6% \sl ’`cbbuke`nteck sudsystlb‒ prcmrnb tc fltlrbekl stntus<% Tlpin`l prc`lsscr dcnrf" PVX) @VX) M"slrels

@CBB\KE@NVECK: ’NVB Kct Nkswlrekm Xcii‒

>% Qlreae`nteck ca `crrl`t pcii# slil`t nffrlss nkf prctc`ci4% @ol`g acr ’ck"iekl‒ stntus) Tlslt NVB nkf bcflb) Nttlbpt icnf) Nttk+ blssnmls0% Qlreay ’FVT‒ ck beke tlstlr flve`l ) Ea kckl prc`lsscr bny dl dnf6% @ol`g nii `ckkl`tecks ck TP"404 `ndil) `ndil tc ocst bcflb socuif dl ilss tonk <8 AV<% \sl ’`cbbuke`nteck sudsystlb‒ prcmrnb tc fltlrbekl stntus cr s`cpl1% @ol`g pcwlr suppiy '<QF@=% Bcflb) rcutlr) din`g dcxls) `ndiekm bny dl dnf ea NVB es socwekm mccf ’FVT‒

K@T NVB"PLTELP


>% Ekstnii iccpdn`g TP404 pium nkf tlst) òl`g acr ainsoekm `cbb iemot4% Qlreay ’FVT‒ ck beke tlstlr flve`l ) Ea kckl prc`lsscr bny dl dnf0% @ol`g pcwlr suppiy '<QF@6% Tlpin`l Vlrbekni @cbbuke`nteck# Xrc`lsscr dcnrf nkf rlprcmrnb@CBB\KE@NVECK: ’NVB Kct Nkswlrekm Xcii‒



>% @ol`g NVB ’`cbbuke`nteck iemot‒" socuif dl ainsoekm4% Ea kct ainsoekm òl`g acr ’FVT‒ weto beke tlstlr" Ea prlslkt NVB socuif dl cg 0% @ol`g Bcflb acr ’@F‒ `nrrelr fltl`t) Ea kckl `cktn`t kltwcrg tc bngl surl toly nrl pciiekm NVB)Tlslt bcflb ) rcutlr cr din`g dcx nkf NVB6% Ea FVT es kct prlslkt ònkml tol tlrbekni prc`lsscr nkf ruk n ’iccp dn`g 0‒ Vlst

VTEVCK 5<88#5188 PLTELP


>% Qlreay `crrl`t pockl kubdlrs nkf tlrbekni EF4% Nttlbpt tc fcwkicnf `cbbs gly0% Bcketcr pockl iekl nt NVB tc nssurl feniekm cut nkf `ckkl`teck6% @ol`g acr Ptnte` ck pockl iekl" Alrretl dlnf bny olip<% Tlpin`l bnek dcnrf cr bcflb `nrf nkf rlprcmrnb

FELDCIF E"PLTELP

@TV: ’Icw Ektlksety ck Bcketcr‒

>% @ol`g acr ferty XVT―s nkf ìlnk4% Pocrt cut XVT nt @TV tc bnxebub dremotklss0% Nfjust dremotklss ilvli―s ck @TV6% Nfjust lil`trcke` dremotklss ilvlis ck @TV<% Tlpin`l @TV bcketcr

@TV: ’Puk Minrl Ck Bcketcr‒

>% Ekstnii ’Xcinrezlf‒ minss tc bcketcr tc rlfu`l minrl4% Pocrt cut XVT tc ek`rlnsl ektlksety0% Ekstnii ’Puk"Xrc‒ cr dlttlr bcketcr

@TV: ’Iekls torcumo Xe`turl‒

>% Nfjust ’`cktrnst‒ nkf cr ’dremotklss‒ ilvlis nt @TV4% Tlpin`l @TV cr PVX#@VX Dcnrf

@TV: ’Kc Xe`turl ck @TV‒

>% @ol`g bnek ausl ek @TV" Tlpin`l) ea dicws nmnek"rlpin`l @TV4% @ol`g acr `ckkl`tecks nkf pcwlr ck @TV0% Tlpin`l @TV cr PVX dcnrfK@T <888 PLTELP


>% Nfjust dremotklss ilvli―s ck @TV4% Tlpin`l @TV bcketcr




>% Ekstnii ’Xcinrezlf‒ minss tc bcketcr tc rlfu`l minrl0% Ekstnii dlttlr bcketcr


>% Nfjust ’`cktrnst‒ nkf cr ’dremotklss‒ ilvlis nt @TV4% @ol`g @TV Frevlr X@D


>% @ol`g bnek ausl ek @TV" Tlpin`l) ea dicws nmnek"rlpin`l @TV4% @ol`g @"<8= nkf @"<8? ck @TV frevlr X@D" rlpin`l ea kllflf0% Tlpin`l @TV Frevlr X@D6% Tlpin`l @TV

Kctls: Din`g `ckfu`tevl fust arcb rl`lept trnkspcrt `nk fnbnml tol @TV frevlr X@D Kctls: K@T<8=8 nkf K@T<8?< @TV―s nrl kct tol snbl

K@T <<#<1#<?88 PLTELP


>% @ol`g acr ferty XVT―s nkf `ilnk4% Pocrt cut XVT nt @TV tc bnxebub dremotklss0% @ilnk eksefl fust arcb minss nkf @TV6% Nfjust dremotklss ilvli―s ck @TV<% Tlpin`l @TV bcketcr


>% Ekstnii ’Xcinrezlf‒ minss tc bcketcr tc rlfu`l minrl4% Ekstnii ’Oe"Dretl‒) ’Puk"Xrc‒ cr dlttlr Bcketcr 0% Pocrt cut XVT nt @TV tc bnxebub dremotklss6% @ilnk eksefl fust arcb minss nkf @TV<% Nfjust dremotklss ilvli―s ck @TV


>% Nfjust ’`cktrnst‒ nkf cr ’dremotklss‒ ilvlis nt @TV4% @ol`g acr fesplkslr ektlralrlk`l `nusekm iekls) Tlalrlk`l tc 56"8805 ck K@T Xln`o0% Tlpin`l @TV


>% @ol`g bnek ausl ek @TV" Tlpin`l) ea dicws nmnek"rlpin`l @TV4% @ol`g `ndiekm nkf rlintlf `ckkl`tecks



0% Tlpin`l @TV4% @ol`g acr @TV nrèkm" Tlalr tc 54"8>66 ck K@T plnò0% Tlalr tc Bcketcr nkf ùrrlkt fespiny duiilteks ck K@T plnò

VTEVCK 5<88: I@F w# Dn`giemot

I@F: ’Icw Ektlksety‒

>% Nfjust dn`g pnkli dremotklss# `cktrnst gkcd4% Tlpin`l Dn`giemot nsslbdiy

I@F: ’Iekls torcumo Xe`turl‒

>% Nfjust ’`cktrnst‒ nkf cr ’dremotklss‒ ilvlis nt @TV4% @ol`g acr ektlralrlk`l arcb dniinst―s) klck iemots lt`+) mrcukfekm) pcwlr++0% Tlpin`l I@F fespiny X@D nsslbdiy

I@F: ’Kc Xe`turl ck I@F‒

>% Nfjust dremotklss ilvlis4% @ol`g `ckkl`tecks nkf oemo vcitnml tc Dn`giemot0% Iccg nt fespiny ’up ìcsl‒ tc fltlrbekl ea nky ònrn`tlrs nrl prlslkt6% @ol`g pcwlr nt \">4 pek >6 acr '>4 QF@ nkf pek "> acr ">4QF@<% @ol`g pcwlr nt \">< pek >6 acr '<+>QF@ nkf pek < ca \"46 acr ">0QF@1% @ol`g Ausl nt pcwlr suppiy ea vcitnmls nrl kct prlslkt=% @ol`g aint fespiny `ndil es ekslrtlf `crrl`tiy?% @ol`g# Tlpin`l bnek X@D5% @ol`g# Tlpin`l I@F Fespiny nsslbdiy

Kctl: I@F nkf Dn`giemot wcrg nkf `nk anei ekflplkflktiy ca lnò ctolr+

VTEVCK 5188 @cicr# Bckc @orcbl I@F Fespiny

I@F: ’Icw Ektlksety‒

>% Nfjust dn`g pnkli dremotklss# `cktrnst ek prcmrnbbekm4% Tlpin`l Bcflb #Qeflc `nrf" bckcòrcbl cr `cicr vlrseck0% Tlpin`l I@F Fespiny"bckcòrcbl cr `cicr vlrseck

I@F: ’Iekls torcumo Xe`turl‒

>% Nfjust ’dremotklss‒ ilvlis ek prcmrnbbekm4% @ol`g acr ektlralrlk`l arcb dniinst―s) klck iemots lt`+) mrcukfekm) pcwlr++0% Tlpin`l Bcflb Qeflc `nrf" bckcòrcbl cr `cicr vlrseck



6% Tlpin`l I@F Fespiny" bckcòrcbl cr `cicr vlrseck

I@F: ’Kc Xe`turl ck I@F‒

>% Nfjust dremotklss ilvlis ek prcmrnbbekm

4% @ol`g `ckkl`tecks nt fespiny6% @ol`g pcwlr nt dn`g pinkl QI@F acr "46QF@<% @ol`g pcwlr nt dn`g pinkl QNFJ acr ">5QF@1% Ea vcitnmls nrl kct prlslkt cr kct `crrl`t rlpin`l Bcflb# Qeflc `nrf=% Ea vcitnmls nrl prlslkt rlpin`l I@F nsslbdiy

FELDCIF E"PLTELP: @nrf Tlnflr B@T]

B@T]" ’]eii kct n``lpt `nrf‒

>% @ol`g acr ’fust dukkels‒ nt lktry be`rc swetò "ìlnk dy dicwekm cut4% @ol`g acr `nrf stu`g ek rlnflr cr acrlemk bntlrenis" @ilnk0% @ol`g )ìlnk nkf nfjust souttlr scilkcef nsslbdiy" @ol`g ea ste`gekm6% @ol`g @ilnk woetl rciilr nkf prl rlnf olnf) òl`g werekm<% Tuk ìlnklr tlst `nrf torcumo `nrf rlnflr 1% Nfjust Be`rcswetò sc et lkmnmls ns `nrf lktlrs rlnflr =% Tuk tlsts ek Fenmkcste` tc vlreay cplrnteck?% Tlpin`l @nrf Tlnflr ns inst rlscrt

B@T]" ’]eii kct ljl`t `nrf‒

>% @ol`g acr ’fust dukkels‒ nt lktry be`rc swetò "ìlnk dy dicwekm cut4% @ol`g acr `nrf stu`g ek rlnflr cr acrlemk bntlrenis" @ilnk0% @ilnk rciilrs nkf dicw slkscrs cut weto `nkklf ner 6% @ol`g) ìlnk nkf nfjust souttlr scilkcef nsslbdiy" @ol`g ea ste`gekm<% @ol`g dlits /Byinr nkf ruddlr% nkf ìlnk) òl`g acr `rn`gekm1% Tuk ìlnklr tlst `nrf torcumo `nrf rlnflr =% Tuk tlsts ek Fenmkcste` tc vlreay cplrnteck?% Tlpin`l @nrf Tlnflr ns inst rlscrt

K@T PLTELP: @nrf Tlnflr B@T]

B@T]" ’]eii kct n``lpt#ljl`t `nrf‒" Antni B@T] Lrrcr

>% @ol`g acr ’fust dukkels‒ nt lktry be`rc swetò "ìlnk dy dicwekm cut4% @ol`g acr `nrf stu`g ek rlnflr cr acrlemk bntlrenis" @ilnk



0% @ol`g )ìlnk nkf nfjust souttlr scilkcef nsslbdiy" @ol`g ea ste`gekm6% @ol`g @ilnk woetl rciilr nkf prl rlnf olnf) òl`g werekm<% Tlpin`l Xrl"rlnf olnf /Lsplèniiy ea ektlrbettlkt cplrnteck%1% Tuk ìlnklr tlst `nrf torcumo `nrf rlnflr =% @ol`g slkscr vcitnmls acr 6+<QF@?% Qlreay B@T] Niemkblkt weto Ansèn

5% Nfjust Be`rcswetò sc et lkmnmls ns `nrf lktlrs rlnflr >8% Tuk tlsts ek Fenmkcste` tc vlreay cplrnteck# @ilnr Aetklss @PCO>>% Tlpin`l @nrf Tlnflr ns inst rlscrt

Kctl: @ol`g Duiilteks acr B@T]

>% B@T] Pocrt Ljl`t " 50"8>>04% FEX Tlnflr pusolf cut ca Ansèn" 50"8>410% FEX Tlnflr Aneiurl @nuslf dy Ekmrlss ca Fldres "5<"88516% Pocrt @erùet Tesg ck <1?<―s aettlf weto sbnrt `nrf rlnflr#wretlr "5="8815

VTEVCK PLTELP" ’Nii Piefl @nrf Tlnflrs‒

>% @ol`g acr acrlemk bntlrenis iegl plkkels nt dcttcb ca `nrf rlnflr nsslbdiy"@ilnr 4% @ilnk cut weto `nkklf ner nkf tlst `nrf weto ni`coci0% Nfjust `nrf ekslrteck duttck swetò tnd siemotiy ea `nrf socws ’ekslrtlf cr ek‒6% Bcst siefl `nrf rlnflrs onvl n swetò nkf slkscr" òl`g dcto<% Tlpin`l siefl `nrf rlnflr

FELDCIF E"PLTELP" GLUDCNTFP

GLUDCNTFP" ’ Gly olif fcwk bcrl tonk < bekutls‒

>% Ckl ca tol torll glydcnrfs es `nusekm tol prcdilb4% Escintl dy rlbcvekm ckl nt n tebl tc fupie`ntl prcdilb0% Ilat nkf Temot sefl glydcnrf mevl tol bcst prcdilb nkf `nk dl ektlrbettlkt6% Pwnp ilat nkf remot sefl glydcnrfs) gllp ckiy ckl piummlf ek tont es kllflf<% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys1% Tlpin`l @ustcblr ilat) remot 6 glydcnrf" ckl nt n tebl=% Tlpin`l @ustcblr >1 Glydcnrf Kctl: Vnpl glys wolk rlbcvekm sc kct tc icsl Drneiil crelktnteck+

GLUDCNTFP" ’ @ustcblr >1 glydcnrf ekcplrndil‒

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys4% Tlpin`l @ustcblr >1 Glydcnrf

GLUDCNTFP" ’ @ustcblr 6 glydcnrf ekcplrndil ilat cr remot sefl‒

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys4% Tlpin`l @ustcblr 6 Glydcnrf



Kctl: Vnpl glys wolk rlbcvekm sc kct tc icsl Drneiil crelktnteck+

GLUDCNTFP" ’ @ustcblr glydcnrf kubdlr kct wcrgekm‒ /NKU%

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys

4% Tlpin`l @ustcblr Glydcnrf

Kctl: Vnpl glys wolk rlbcvekm sc kct tc icsl Drneiil crelktnteck+

K@T PLTELP" GLUDCNTFP

GLUDCNTFP" ’ KC GLUDCNTFP NVVN@OLF‒

>% Ckl ca tol torll glydcnrfs bust dl nttnòlf4% Tlpin`l tol ’DNXL X@D dcnrf‒

GLUDCNTFP" ’ @ustcblr >1 glydcnrf ekcplrndil‒

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys4% Tlpin`l @ustcblr >1 Glydcnrf0% Tlpin`l tol ’DNXL X@D dcnrf‒GLUDCNTFP" ’ @ustcblr 6 glydcnrf ekcplrndil ilat cr remot sefl‒

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys4% Tlpin`l @ustcblr 6 Glydcnrf

GLUDCNTFP" ’ @ustcblr glydcnrf kubdlr ’8‒ kct wcrgekm‒ /NKU%

>% @ilnk fert nkf fust arcb nii glydcnrf nsslbdiels) òl`g acr duddil wlnr ck glys4% Tlpin`l @ustcblr Glydcnrf

GLUDCNTFP" ’ @ustcblr glydcnrf arczlk"kc olnt‒

>% @ol`g acr pcwlr tc twc rlmuintcrs nt tol >1 pek Glydcnrf nsslbdiy4% @ol`g ekfe`ntcrs ek prcmrnbbekm acr olnt turklf ck0% Tlpin`l olntekm glypnf lilblkt

Kctl: @ol`g Lil`trcke` Duiiltek " Gly dcnrfs " K@T Xlnò

>% 5<"8818 ’Oe"DNXL Glystcrl es ektlrbettlktiy @crruptlf‒4% 5="888> ’Aneiurl ca >1 Gly Vn`teil Glydcnrfs‒0% 5="8884 ’Aneiurl ca AFG Vn`teil Glydcnrfs‒6% 5="8880 ’ Aneiurl ca Drneiil AFG Vn`teil Glydcnrfs‒

VTEVCK 5<88 PLTELP



GLUDCNTFP" ’ GLUDCNTF EP EKVLTBEVVLKV‒

>% Tlpin`l glydcnrf

GLUDCNTFP" ’Glydcnrf fcls kct wcrg‒

>% @ol`g ea glydcnrf es tol essul dy piummekm ek tlst glydcnrf4% @onkml \">8 n =6O@>0? E+@ òep ck tol bnek dcnrf" /Xut ek sc`glt%

FELDCIF E"PLTELP: XTEKVLTP FCV BNVTE_ /Lpsck%

XTEKVLTP" ’ Xccr Xrekt ûniety‒

>% Tlpin`l Teddcks" Volsl weii nisc gllp tol prekt olnf iudre`ntlf4% @ilnk prektolnf) XB prektlr nsslbdiy0% Tlpin`l nsslbdiy /rnrl% "Xrektolnf

XTEKVLTP" ’ Xrektolnf Ic`gs nt Ocbl Xcseteck‒

>% @ol`g nkf dicw cut tol twc ocbl slkscr―s òl`g acr pnplr ek tolb4% @ilnk nkf iudre`ntl tol prektolnf rnei0% @ol`g nkf ìlnk mlnrs) bnkuniiy ruk prektolnf nsslbdiy dn`g nkf acrto6% Tlpin`l Lpsck prektlr

XTEKVLTP" ’ Dnf Xnplr @ut cr kc Xnplr @ut‒

>% @ol`g scilkcef ùttlr nsslbdiy acr arllfcb ca bcvlblkt" Iudre`ntl4% Tlbcvl ùttlr nsslbdiy nkf dicw cut nky pnplr fust cr pel`ls0% Tlpin`l scilkcef nsslbdiy6% Tlpin`l Lpsck prektlr

XTEKVLTP" ’ Xnplr jnbblf natlr Klw Tcii Ekslrtlf‒

>% Tlbcvl tcp pintl nkf bcvl sprekm icnflf rciilr nwny arcb prlssurl pintl4% Tlbcvl stu`g pel`ls ca pnplr ek muefl nsslbdiy0% Ekslrt aciflf pnplr torcumo lktry nsslbdiy tc nssurl nii pnplr ons dllk rlbcvlf6% \sl fenmkcste`s blku tc tlst prektlr cplrnteck nkf vlreay ’4> 88 88‒

FELDCIF E"PLTELP: XTEKVLTP VOLTBNI /Nxecob%



XTEKVLTP" ’ ]eii kct sll din`g bnrg cr stu`g woetl‒

>% Nfjust din`g bnrg slkscr sc et nkmils tc tol remot dy turkekm siemotiy ek n ìc`gwesl pcseteck+ Voesweii lkndil tol din`g bnrg tc dl sllk nkf acùslf dlttlr+4% \sl tol rlni tebl bcketcrekm ek tol fenmkcste`s nkf bnkuniiy ruk tol pnplr torcumo tol muefl

trnkspcrt woeil cdslrvekm tol din`g bnrg ekfe`ntcr ck tol bcketcr+0% Nfjust tol slkscr ns kllflf) ycu socuifk―t onvl tc tngl tol nsslbdiy npnrt tc bngl tol nfjustblkt+6% Dn`g cut nkf usl tol woetl rc`glr duttck tlsts tc ruk 08"68 rl`lepts tc `ckaerb tol `crrl`tnfjustblkt ons dllk bnfl+

Kctl: Din`g bnrg slkscrs `nk dl nfjustlf arcb >bb tc 6bb flplkfekm ck tol dremotklss nkf acùs ca tol din`g ekg ck tol `cupck pnplr+ Voekklr pnplr sllbs tc onvl bcrl prcdilbs tonk toe`glr din`g bnrg pnplr+XTEKVLTP" ’ Gllps Jnbbekm nt Lxet muefl‒

>% Voe`g woetl pnplr socuif kct pcsl n prcdilb weto toes `ckfeteck) toekklr pnplr rlquerls bcfeae`ntecktc tol lxet muefl nsslbdil+4% Tlbcvl twc lxet muefl nkf bngl cplkekm weflr dy aeiekm fcwk pinste`+0% Cplkekm socuif lxpnkf arcb >bb tc 0bb tc prlvlkt toek pnplr arcb jnbbekm+6% \sl tol woetl rc`glr duttck tlsts tc ruk 08"68 rl`lepts tc `ckaerb tol `crrl`t nfjustblkt ons dllkbnfl+

XTEKVLTP" ’ Xrektolnf es rukkekm tc oct‒

>% Tlpin`l tolrbni prektolnf nsslbdiy4% Tlpin`l X@D `cktrciilr `nrf0% Tlpin`l Nxecob Volrbni prektlr nsslbdiy

XTEKVLTP" ’ Xnplr socws cut wolk auii‒

>% @ol`g acr prcplr slttekm ca tol festnk`l ca tol pnplr cut swetò ek tol FEVP+4% Vurk tol pnplr ociflr nrcukf sc tont tol pnplr es ìcslr tc tol slkscr 0% Nfjust cr rlpin`l tol pnplr prcxebety slkscr 6% Tlpin`l tol Xrektlr `cktrci dcnrf<% Tlpin`l tol wocil prektlr nsslbdiy

XTEKVLTP" ’ Xrektlr kct wcrgekm natlr tol prc`lsscr X@D ons dllk rlpin`lf‒

>% @ol`g tol DECP acr ’De"ferl`teckni‒ slttekm ek tol Xnrniili pcrt `cbbuke`nteck4% @ol`g tont tol FEV―s nrl turk ck nkf nfjustlf remot+0% @ol`g tol V@P Flve`l aeils onf dllk slt"up weto n tolrbni prektlr 6% @ol`g acr tol `ndil `ckkl`teck nt tol `cbputlr ck tol prc`lsscr

K@T <888 PLTELP: FCV BNVTE_ XTEKVLTP:

XTEKVLTP" ’Tl`lept weii kct Allf Xnplr‒



>% @ol`g acr bessekm C"rekm nt tcp nsslbdiy nkf rlpin`l4% @ol`g pnplr ociflr muefls acr ste`gekm ns pnplr mcls ektc rl`lept prektlr"@ilnk0% @ilnk prlssurl rciilr 6% @ol`g acr tol twc ruddlr ociffcwk―s ck tol din`g ìnbsolii puso fcwk nsslbdiy"nff<% @ilnk nkf iudre`ntl tol trnkspcrt muefl" usl n toek slwekm cei natlr ìlnkekm

XTEKVLTP" ’Tl`lept Xrektlr Jnbs‒

>% @ol`g acr `crrl`t torlnfekm ca pnplr nt ociflr nsslbdiy4% Qlreay Din`g puso fcwk ìnbsolii es ic`glf ek tol fcwk pcseteck0% @ol`g pnplr ùttlr acr `crrl`t nfjustblkt cr bessekm sbnii c"rekm6% @ilnk muefl nkf din`g rciilr―s tc mrep pnplr dlttlr <% @ol`g acr dekfekm pnplr muefls nt pnplr ociflr nsslbdiy" ìlnk#iudl1% @ol`g oestcry acr din`g bnrg aneiurls

XTEKVLTP" ’Tl`lept Xrektlr Dnf Xrekt ûniety‒

>% Tlpin`l prekt olnf nsslbdiy4% Tlpin`l prekt olnf `ndil0% Tlpin`l reddcks6% Bngl surl pnplr es ukflr aesoekm iekl nkf tud es ic`glf fcwk<% Nfjust tol pintlk tcc fnrglk prekt quniety arcb ebpn`t ca prektolnf1% Tlpin`l wocil nsslbdiy

XTEKVLTP" ’Tl`lept Xrektlr Dnf @ut cr kc Xnplr @ut‒

>% Ocif fcwk tol gkeal sc et es lkmnmlf ns ycu bcvl tol `nrrenml arcb ilat tc remot+4% @ol`g tont tol ùttlr es kct oettekm tol pintlk muefl" nfjust up cr fcwk ns kllflf0% @ol`g tol sonrpklss ca tol ùttlr dinfl" rlpin`l ea kllflf6% Tuk tlsts ek fenmkcste` vlreayekm `crrl`t nkf ìlnk ùttekm ek dcto ilat nkf remot ferl`tecks+

XTEKVLTP" ’Jcurkni Xrektlr Dnf Xrekt ûniety‒

>% Tlpin`l prekt olnf nsslbdiy4% Tlpin`l prekt olnf `ndil0% Tlpin`l reddcks6% Tlpin`l wocil nsslbdiy

XTEKVLTP" ’Jcurkni Xrektlr weii kct allf Xnplr‒

>% @ilnk Xrlssurl rciilr nkf iudre`ntl sonat4% Qlreay Din`g puso fcwk ìnbsolii es ic`glf ek tol fcwk pcseteck0% @ilnr tol aetklss nkf ruk tlsts ek fenmkcste` ea ycu nrl mlttekm ’L@80‒ lrrcrs6% Tlpin`l Jcurkni prektlr



XTEKVLTP" ’Xrektlr es prektekm up"seflfcwk‒

>% Vol '<QF@ ck tol Xrektlr @cktrci Frevlr X@D bny dl tc icw4% Tlbcvl tol bnek reddck nkf pcwlr `ckkl`tcr tc tol Frevlr X@D nkf ìlnk0% @ol`g nkf cr rlpin`l tol prektolnf reddck niscK@T <188 PLTELP: FCV BNVTE_ XTEKVLTP:

XTEKVLTP: ’@uttlr Aneiurl C`ùr Lvlry Ctolr fny‒

>% @ol`g acr prlssurl muefl pintl ek `crrl`t pcseteck dy rlbcvekm ùttlr nsslbdiy+4% @ilnk nkf iudre`ntl ùttlr nsslbdiy0% @ilnk nkf dicw cut slkscr nt scilkcef6% @ilnk rciilrs nkf òl`g acr nky dic`gnml ck prektlr nsslbdiy

XTEKVLTP: ’Teddck fcls kct Nfvnk`l Furekm Xrekt‒

>% @ol`g acr n drcglk `cuktlr"rctnteck sprekm nt tol reddck nfvnk`l mlnr 4% Tlpin`l `cuktlr rctnteck sprekm nkf tlst

XTEKVLTP: ’Xrektlr kct wcrgekm ful tc `cif wlntolr‒

>% Ekstnii n sbnii pcrtndil `lrnbe` olntlr slt ck icw olnt nt tol tcp ont tc `cktrci tol tlbplrnturl+

XTEKVLTP: ’Xrektlr prekt quniety Dnf‒

>+ ]eto pcwlr caa) Tlbcvl tol prekt olnf nkf iudre`ntl dy usekm kyl cei4+ @ilnk tol prektolnf an`l weto n tcctodruso nkf ni`coci nkf iudre`ntl0+ @ilnk nkf iudre`ntl tol prektolnf trnkspcrt muefls6+ Tlpin`l Xrektolnf

XTEKVLTP: ’Xrektlr Ektlran`l X@D Lrrcrs weii kct @ilnr‒

>+ Plil`t nii tol tlsts ek dcto ’PCO‒ blku―s natlr n mccf XB ck prektlr 4+ N`gkcwilfml nii tlsts nkf rlpners acrèkm tol lrrcr tc mc nwny0+ @ilnr tol KQTNB ck tol prektlr nsslbdiy nkf tlst /0 nkf ? FEX ! prlss rlslt%6+ Tlpin`l tol prektlr `cktrciilr X@D―s nkf tlst

K@T <<#<1#<?88 PLTELP:Volrbni Xrektlrs

XTEKVLTP: ’Xrektlr Vrnkspcrt Jnbs C`ùr‒

>% @ilnk tol ruddlr dlit ck tol tcp nkf dcttcb tc nssurl tont tol dlit es pusoekm rl`lepts cut `crrl`tiy+4% Ea tol prektlr es tcc oct tol ruddlr dlit weii siep" Mlt tol N#@ aexlf0% Tlpin`l tol ruddlr dlit ea kllflf

Kctl7 Bngl surl tont nky pnplr es tnglk cut ca tol rl`lept prektlr dlacrl et es pusolf ektc pcseteck+ Voes`nk onpplk furekm dninkèkm dy tol ùstcblr nkf socuif dl blktecklf+



PL@VECK >8

NVB ANEI\TL @CKFEVECK#PCI\VECK @OL@GP:4 XNML

FELDCIF E "PLTELP:TL@LEXV VTNKPXCTVP >

K@T <888 PLTELP: TL@LEXV VTNKPXCTVP >

K@T <<#<1#<?88 PLTELP: Fct Bntrex >

K@T <<#<1#<?88 PLTELP: Volrbni 4 KCVL: K@T D\IILVEKP XTEKVLTP 4

VTEVCK 5<88 PLTELP:TL@LEXV VTNKPXCTVP 4

VTEVCK 5188 PLTELP:TL@LEXV VTNKPXCTVP 4

FELDCIF E"PLTELP: AICXXU FEPG 0

K@T <888 PLTELP: AICXXU FTEQL 0

K@T <<#<1#<?88 PLTELP: AICXXU FTEQL 6

FELDCIF E"PLTELP: IC@G \X 6

K@T <888 PLTELP: IC@G \X <

K@T <<#<1#<?88 PLTELP: IC@G \X <

VTEVCK 5<88 PLTELP: IC@G "\X 1

VTEVCK 5<88 PLTELP: IC@G "\X 1

FELDCIF E"PLTELP: FLXCPEVCTU =

K@T <888 PLTELP: FLXCPEVCTU =

K@T <<#<1#<?88 FLXCPEVCTU: ?

K@T <<#<1#<? FLXCPEVCTU# FEPXLKPLT PO\VVLT: 5

FELDCIF E"PLTELP: FEPXLKPLT BBF 5

FEPXLKPLT: ’ @nsslttl >>

K@T <888 PLTELP: FEPXLKPLT >>

K@T <<#<1#<?88 PLTELP: FEPXLKPLTP >0

FEPXLKPLT D\IILVEKP:K@T <<#<1#<?88 PLTELP >6

VTEVCK"5<88#5188 :FEPXLKPLT"PEKMIL >6

FELDCIF E"PLTELP: XC]LT P\XXIU ><

K@T <888 PLTELP :XC]LT P\XXIU ><

K@T <<#<1#<?88 PLTELP :XC]LT P\XXIU >1

VTEVCK PLTELP :XC]LT P\XXIU >1



NVB ANEI\TL @CKFEVECK#PCI\VECK @OL@GP:4

FELDCIF E "PLTELP:

TL@LEXV VTNKPXCTVP: ’Dlits Gllp @cbekm caa‒

>% @ol`g sprekm woeò gllps tlkseck ck dlits) bngl surl trnkspcrt es ic`glf ektc pcseteck+4% @ilnk din`g rciilrs bngekm surl toly nrl arll ca fert nkf fust0% @ilnk tol tcp nkf dcttcb ca dlits6% @ilnk tol pinste` `lktlr muefl―s arcb nky ste`gy sudstnk`ls<% Tlpin`l tol dlits

TL@LEXV VTNKPXCTVP: ’Dlits ]ck―t Vurk‒

>% @ol`g nii mlnrs tc bngl surl Niilk s`rlws nrl temot nkf kct sieppekm4% @ol`g trnkspcrt bctcr nkf werekm" òl`g QF@ tc bctcr 0% Tlpin`l trnkspcrt bctcr 6% @ol`g acr dekfekm dlnrekm cr pinste` dlnrekms ic`glf"up<% Tlpin`l wcrk cr drcglk nkf bessekm dlnrekms

K@T <888 PLTELP:

TL@LEXV VTNKPXCTVP: ’Kct Allfekm Xnplr‒

>% @ol`g trnkspcrt bnek frevl C"rekm" @ilnk cr rlpin`l ea kllflf4% @ol`g trnkspcrt bctcr" Bctcr socuif dl bcvekm trnkspcrt anst" Tlpin`l cr rldueif0% Qlreay tont nii woetl rciilr nrl prlslkt weto `crrl`t sprekms ek pcseteck6% Qlreay tont nii woetl wollis nrl turkekm nkf kct dekfekm" @ilnk ckiy<% Qlreay sprekms onvl `crrl`t tlkseck ck woetl rciilrs" rlpin`l ns kllflf1% Qlreay tont nii dlnrekms onvl dllk ceilf nkf nii mlnrs onvl dllk ìlnklf tc cdtnek tol ilnst nbcukt ca rlsestnk`l wolk tol bctcr turks+=% Qlreay tont trnkspcrt es bcuktlf ek `crrl`t pcseteck weto prektlr nkf cr ansèn

Kctl7 Ea NVB rlslt―s wolk lxetekm tol ’FENM‒ blku bcst iegliy tol trnkspcrt bctcr es flal`tevl fultc kcesl+ @ol`g tol BCQ―s sciflrlf tc tol bctcr ocusekm acr scief `ckkl`tecks+

K@T <<#<1#<?88 PLTELP: Fct Bntrex


>% @ol`g acr pnplr nt slkscr cr drcglk ìep ck swetò slkscr ek trnkspcrt4% @ilnk dlit nkf dicw cut nky sbnii pel`ls ca pnplr



0% Bngl surl trnkspcrt `cvlr es ic`glf ektc pcseteck tc lkmnml slkscr

K@T <<#<1#<?88 PLTELP: Volrbni


>% @ol`g acr sieppekm ck tol wefl din`g ruddlr dlit" ìlnk cr rlpin`l4% @ol`g acr slkscr fnbnml cr pnplr jnbs nkf ìlnr weto `nkklf ner

KCVL: K@T D\IILVEKP XTEKVLTP

54"8855 Ekslrt rlacrblf byinr tc prlvlkt jnbs54"8>14 Tlacrblf gkeal muefl tc prlvlkt jnbs50"8865 Jcurkni prektlr acuis icme` onrklss50"88<= Tl`lept jnbs ;bnxebub iekls50"8>>> Din`gbnrg nkf Tl`lept prektlr niemkblkt prc`lfurls56"88?= Tl`lept prektlr Tlekacrèkm dic`g

5="88<4 ?8 @ciubk Dukò Xrlslktlr 5="88?6 VL@O 68 @ciubk Tl`lept Xrektlr Din`g Bnrg Nfjustblkt Xrc`lfurl5="88?4N ?8 @ciubk prektlr prcdilbs#blbcry#`cbbuke`nteck#sprekm tlkseck5?"888? 68 @ciubk Mrnpoe`s Volrbni Tl`lept Xrektlr#Bcfls#Xrcb upmrnfl55"8880 ?8 @ciubk Dukòekm Volrbni Xrektlr uslf ek <110 nkf <1?0 prcfu`ts

VTEVCK 5<88 PLTELP:

TL@LEXV VTNKPXCTVP: ’Jnbbekm ek Vrnkspcrt Vudl‒

>% Nfjust trnkspcrt tudl dy dlkfekm tc niemklf et"slia weto prektlr cutput" Vemotlk P`rlws4% Bngl surl bcfeae`nteck es `cbpiltl tc inrmlr trnkspcrt muefl0% Tlbcvl pinste` ck klw glydcnrf nt rl`lept lxet" ùt weto gkeal

VTEVCK 5188 PLTELP:

TL@LEXV VTNKPXCTVP: ’Jnbbekm ek Vrnkspcrt Vudl‒

>% @ol`g acr iccsl pnplr pel`ls eksefl prektlr nsslbdiy dy rlilnsekm bcukt oekml ìep4% Tlbcvl nky iccsl pnplr nt lxet ca tolrbni rl`lept prektlr weto `nkklf ner 0% Tlslt aneiurl nkf tlst dy prlssekm pnplr nfvnk`l nkf ùt dy fenmkcste`+



FELDCIF E"PLTELP: AICXXU FEPG

AICXXU FEPG: ’]eii Kct Tlnf Aicppy Fesg‒

>% Bngl surl tont fesg nrl EDB acrbnttlf >+66 BF4% Bngl surl fesg es acrbnttlf nkf lbpty" \sl CP#4 n:

0% Tlpin`l Fesg"Lxnbekl ukflr ief woeil spekkekm òl`g acr s`rnpl bnrgs"Bnkuniiy6% @ilnk Aicppy Frevl" Dicw cut<% @ol`g `ckkl`teck―s tc aicppy nkf prc`lsscr X@D1% Tlpin`l Aicppy Frevl=% Tlpin`l prc`lsscr X@D# @ol`g acr DECP Pltup tc aicppy flve`l

AICXXU FEPG: ’Aicppy `numot ek Frevl‒

>% Tlbcvl aicppy frevl nkf fes"nsslbdil tc rltrelvl fesg 4% Vorcw nwny fesglttl nkf òl`g acr fnbnml tc aicppy frevl0% Tlpin`l aicppy Frevl

AICXXU FEPG: ’]eii kct Fesg Frevl Ektlrbettlktiy‒ /lvlry >"4 fnys%

>% Tlpin`l Aicppy Frevl4% Tlpin`l Xrc`lsscr X@D

AICXXU FEPG: ’Pocwekm Lil`trcke` Jcurkni Auii Lvlk Natlr Tlpin`lblkt ca Fesg‒

>% Mc tc Fenmkcste` nkf vlreay tont ’4> 88 88‒ ck tlstekm4% Plkf ’Nttk Blssnml‒ tolk Icmcaa 0% N`gkcwilfml ’dllps‒ tont ycu onvl ’aexlf‒ tol prcdilb6% Niicw NVB tc ’Tltlst‒ tol jcurkni auk`teckniety nkf mc ektc slrve`l+

K@T <888 PLTELP: AICXXU FTEQL


>% @ol`g tc bngl surl 6 >#4‒ fesg es icnflf `crrl`tiy" /indli tc onkfil%4% Bngl surl Fccr intò es lkndilf0% @ol`g acr aicppy frevl nsslbdiy spekkekm6% @ol`g '<QF@ nkf '>4QF@ ck `ckkl`tcr) Ea icw Tlpin`l aicppy frevl<% @ol`g acr Arnylf fntn nkf `cktrci `ndils1% @ol`g acr prcplr vlrseck ca fesglttl=% Tlpin`l Aicppy Frevl" Voes `nk onpplk natlr ylnr―s ca usnml"vlry `cbbck

K@T <<#<1#<?88 PLTELP: AICXXU FTEQL




>% Bngl surl tont fesg nrl EDB acrbnttlf >+66 BF4% Bngl surl fesg es acrbnttlf nkf lbpty0% Tlpin`l Fesg"Lxnbekl ukflr ief woeil spekkekm òl`g acr s`rnpl bnrgs"Bnkuniiy6% @ilnk Aicppy Frevl" Dicw cut

<% @ol`g `ckkl`teck―s tc aicppy nkf prc`lsscr X@D1% Tlpin`l Aicppy Frevl=% Tlpin`l prc`lsscr X@D

AICXXU FEPG: ’Aicppy `numot ek Frevl‒

>% Tlbcvl aicppy frevl nkf fes"nsslbdil tc rltrelvl fesg 4% Vorcw nwny fesglttl nkf òl`g acr fnbnml tc aicppy frevl0% Tlpin`l aicppy Frevl

AICXXU FEPG: ’Kltwcrg Pocwekm @nrf Tlnflr Anuits) dut kct ck NVB‒

>% NVB ons n klnr auii cr auii Aicppy fesg nkf rlquerls rlpin`lblkt4% Mc tc suppiy blku tolk slil`t 55 bcrl0% Xut klw aicppy ek frevl nkf slil`t 68 lktlr tc fubp aeils tc fesg 6% @ilnr aetklss nkf drekm ektc slrve`l) `nii kltwcrg acr ùrrlkt stntus

AICXXU FEPG: ’Auii Fesg @nuslf Ic`g up ck NVB‒

>% Tlslt NVB nkf fltlrbekl ea et weii `cbl dn`g tc tol slil`t blku4% Aciicw fesg rlpin`lblkt prc`lfurls nkf ìlnr aetklss0% Tlicnf scatwnrl) toes weii nisc acrbnt tol onrf frevl liebekntekm tol essul

FELDCIF E"PLTELP: IC@G \X

IC@G \X: ’ NVB es socwekm Ektlrkni Glrkli Lrrcrs‒

>% Tlslt bnòekl tc vlreay tont prcdilb `cktekuls4% Tlpin`l onrf frevl weto nkctolr prl"prcmrnbblf ckl0% Tlicnf tol scatwnrl nkf `ckseflr rlpinèkm tol onrf frevl6% Niwnys òl`g prc`lsscr dcnrf acr klstekm ca ’rnts‒ cr ’pessekm‒"@VX

IC@G \X: ’ NVB es socwekm Iekl Lrrcrs natlr rldcct‒

>% Niicw iekl lrrcrs tc rl`cvlr ck cwk4% Ea iekl lrrcrs fc kct rl`cvlr tol onrf frevl bny kllf tc dl rlpin`lf0% Tlicnf tol scatwnrl nkf `ckseflr rlpinèkm tol onrf frevl

IC@G \X: ’ NVB ons n din`g s`rllk‒

>% @ol`g acr mrllk ainsoekm iemot nt `nrf rlnflr nsslbdiy4% Ea ainsoekm) Bcketcr bny dl dnf òl`g ausl ek @TV



0% Ea kct ainsoekm) bny dl pcwlr essul) òl`g acr pcwlr tc NVB6% Niwnys òl`g prc`lsscr dcnrf acr klstekm ca ’rnts‒ cr ’pessekm‒"@VX

K@T <888 PLTELP: IC@G \X

IC@G \X: ’ Tlf ILF s`rllk es socwekm Xrlss >‒

>% @ckaemurnteck ekacrbnteck ons dllk icst nkf kllfs tc dl rlicnflf4% @ol`g acr `crrl`t dnttlry vcitnml nt blbcry swetò" òl`g acr up pcseteck0% Tlpin`l dnttlry" rlalr tc lnrielr prc`lfurl6% Tlprcmrnb ekacrbnteck nt arckt pnkli nkf rlslt<% Xcwlr fcwk NVB acr < bekutls nkf vlreay ekacrbnteck es kct icst upck pcwlr up

IC@G \X: ’ Tlf ILF s`rllk es socwekm XC4) XC>‒

>% Xrc`lsscr bny dl fnbnmlf nkf rlquerl rlpin`lblkt4% Tlslt NVB tc mlt tc slil`t blku0% Tlpin`l Xrc`lsscr X@D

K@T <<#<1#<?88 PLTELP: IC@G \X

IC@G \X: ’ Ptnrs ck I@F pnkli ’

>% Vry tc rlslt NVB4% Pcatwnrl ck onrf frevl bny dl `crruptlf0% Tl"ekstnii scatwnrl ck tol onrf frevl6% Tl"tlst rlslt natlr icnfekm scatwnrl tc fltlrbekl kc ctolr prcdilbs lxest

IC@G \X: ’ @cuktlr Ptcps ns Xrcmrnb es icnflf natlr Tlslt‒

>% Vlsts nrl ruk nt pcwlr up tc lnò flve`l Pinvl Kcfl dy socwekm tolrl rlsuits nkf prcmrlss ck tolilfs ck tol dcnrfs+4% Fltlrbekl Ea n `lrtnek flve`l es `nusekm tol ic`g"up natlr rlslt dy fes`ckkl`tekm tolfnesy ònek PF@ `ckkl`tcr arcb lnò flve`l+0% Voes PF@ `ckkl`t `nk dl fes`ckkl`tlf nt tol rlnr dn`g bctolr dcnrf pinkl ca tol `cbputlr stru`turltc escintl tc tol prc`lsscr+6% @ckseflr tryekm tc rlicnf scatwnrl nisc+

IC@G \X: ’ I@F s`rllk socws "Kc glydcnrfs Nttnòlf‒

>% Tlpin`l tol ’DNXL‒ X@D dcnrf nt tol `cksublr glypnf nsslbdiy4% Tlprcmrnb tol bnstlr glys torcumo tol N``lss Blku Kctl: Qnuit bust dl cplk tc prcmrnb Bnstlr Glys



IC@G \X: ’ NVB es ainsoekm Tlf nkf Mrllk ck Xcwlr @ckkl`tcr‒ /eksefl fccr dlicw%

>% Ckl cr dcto ca tol iemot Dniinst es flal`tevl4% Fes`ckkl`t tol pcsetevl ekput tc tol Vocrk iemot dniinst nkf rlslt NVB0% Tlpin`l iemot dniinst

VTEVCK 5<88 PLTELP: IC@G "\X

IC@G "\X: ’ I@F s`rllk es socwekm Bnstlr Gly @crruptlf‒

>% Dnttlry ck bnek dcnrf socuif dl ònkmlf" /Blnsurekm es kc munrnktll '0QF@%4% Tlicnf 4 pnrts ca >1 femet `cfls Qen X@ cr torcumo arckt pnkli ek tlrbekni `ckaem0% Tlslt nkf pcwlr fcwk acr < bekutls tc fltlrbekl ea gly―s nrl steii icst6% Tlpin`l Bnek X@D dcnrf nkf rlprcmrnb Kctl: Dlacrl rlpinèkm X@ dcnrf niwnys onvl n `cpy ca tol Tl`lept prektlr Fenm

IC@G "\X: ’ I@F s`rllk es socwekm Ek`crrl`t @onrn`tlrs‒

>% Pcatwnrl ons dllk `crruptlf nkf kllfs tc dl rl"icnflf4% Icnf scatwnrl QEN X@ cr cvlr pockls iekls0% Xrlss rlslt nkf tol > gly tc n``lss tol prcmrnbbekm blku"@ilnr blbcry 46<<6% Vry >"1 aerst ns tol n``lss `cfl) ònkml LLXTCB tc dlicw @F+80 tc n``lss blku<% @nii tretck acr òniilmlkl `cfl vlreae`nteck /Voly rlquerl semklf fcùblkts anxlf nkf ònrml acr toesslrve`l%

IC@G "\X: ’ Glys nrl fcudil dllpekm ns lktlrlf‒

>% Tlpin`l glydcnrf

VTEVCK 5<88 PLTELP: IC@G "\X

IC@G \X: ’ @nkkct fubp Lil`trcke` Jcurkni cr N``lss‒

>% Tlpin`l tol LJ Plùrety bcfuil ek vnuit dlicw tcp ont

FELDCIF E"PLTELP: FLXCPEVCTU

FLXCPEVCTU: ’Gllps socwekm Flpcset @nk kct Ekstniilf‒

>% Fesndil swetò nt dn`g ca flpcset `nk cr aex" `nk mlt iccsl4% @ol`g tont `nk siefls nii tol wny dn`g nkf ic`gs ektc pcseteck0% Qedrntl `nk furekm tlst tc vlreay `ck`rltl `ckfetecks



FLXCPEVCTU: ’Xccr Xrekt ûniety ck Lkvlicpls‒

>% Pcbl Lnrielr Flpcsetcrels rlquerl tont tol bnòekl dl pcwlrlf fcwk dlacrl rlbcvni ca tolflpcsetcry nsslbdiy+4% Tlpin`l Teddck `nrtrefml ck tol flpcsetcry0% Vlst prekt quniety ek tol Fenmkcste`s blku

K@T <888 PLTELP: FLXCPEVCTU


>% Ekg jlt rlquerls rlpin`lblkt " Aciicw ekg jlt rlpin`lblkt prc`lfurl4% Niwnys ìlnk nii ekg arcb nsslbdiy ociflr usekm ni`coci nkf `cttck rnm0% Ekg jlt nsslbdiy kllfs tc dl rlpin`lf" Ea piummlf ek dn`gwnrfs ycu weii mlt n toek iekl ck tollkvlicpl+6% Vlst tol prekt quniety dy lktlrekm fenmkcste`s nkf tlstekm

Kctl: Olnt naal`t Ekg Jlts nsslbdiels plracrbnk`l nkf `nk dl fnbnmlf) `ckseflr gllpekm tolsl klwnsslbdiels ek tol rlaremlrntcr uktei kllflf) tngl cut > ocur precr tc rlpin`lblkt+ Kctl: Ektlric`g swetò bust dl puiilf cut cr vnuit ìcslf furekm tlstekm

FLXCPEVCTU: ’Kc Xrekt ck Lkvlicpls‒

>% Ekg jlt bny rlquerl rlpin`lblkt òl`g acr ìcmmekm" Aciicw ekg jlt rlpin`lblkt prc`lfurl4% Niwnys ìlnk nii ekg arcb nsslbdiy ociflr usekm ni`coci nkf `cttck rnm0% Ekg jlt nsslbdiy bny kllf tc dl rlpin`lf" Ea piummlf ek dn`gwnrfs ycu weii mlt n toek iekl ck tollkvlicpl+0% @ol`g Ausl ck XXF frevlr èrùet dcnrf6% @ol`g acr '<QF@ ck XXF nkf Frevlr dcnrf<% Tlpin`l XXF Frevlr X@D1% Tlpin`l X@D @cktrci Dcnrf=% Vlst tol prekt quniety dy lktlrekm fenmkcste`s nkf tlstekm

FLXCPEVCTU: ’Flpcsetcry Aneiurl‒

>% @ilnr nky jnbs prlslkt ek flpcsetcry trn`g 4% @ol`g souttlr nsslbdiy acr dekfekm) ìlnk nkf iudre`ntl ns kllflf0% @ol`g Aetklss icm acr tol flpcsetcry tc fltlrbekl rlplntlf anuits6% @ilnr aetklss nkf tlst flve`l weto vnuit fccr cplk nkf ektlric`g swetò puiilf cut

FLXCPEVCTU: ’Lkvlicpl Ptcps ek Vrn`g‒

>% @ilnk lktry) beffil nkf lxet slkscrs weto ickm q"tep nkf ni`coci"Vcp nkf dcttcb4% @ol`g bctcr nsslbdiy acr `crrl`t cplrnteck



0% Tlpin`l nky suspl`t slkscrs6% Tlpin`l bctcr nsslbdiy ea suspl`t

FLXCPEVCTU: ’Pouttlr Aneis tc Cplk‒

>% @ilnk nkf iudre`ntl eksurekm n kck"dekfekm souttlr cplrnteck

4% @ol`g acr 4? QF@ arcb tol XF Ektlran`l X@D tc scilkcef0% @ilnk nkf iudre`ntl scilkcef" Tlpin`l ea kllflf6% @ilnr aetklss nkf tlst flpcsetcry

FLXCPEVCTU: ’Ekgjlt Lxpicfl Lvlry Vwc ]llgs‒

>% @ol`g acr nk cvlrolnt `ckfeteck ek tol vnuit4% @ol`g acr cplrnteck ca tol vnuit Ank dicwekm ner ektc vnuit0% @ol`g acr olntlr mlttekm tc oct# ekstnii tlbplrnturl `cktrciilr ck olntlr 6% @ol`g acr N#@ systlb wcrgekm `crrl`tiy<% Ekstnii n slpnrntl ank ek vnuit tc èrùintl ner


K@T <<#<1#<?88 FLXCPEVCTU:

FLXCPEVCTU: ’Ekgjlt Lxpicfl Lvlry Vwc ]llgs‒

>% @ol`g acr nk cvlrolnt `ckfeteck ek tol vnuit4% Tlpin`l cr turk cvlr Gctlx pnf0% @ol`g acr cplrnteck ca tol vnuit Ank dicwekm ner ektc vnuit6% @ol`g acr olntlr mlttekm tc oct# ekstnii tlbplrnturl `cktrciilr ck olntlr <% @ol`g acr N#@ systlb wcrgekm `crrl`tiy1% Ekstnii n slpnrntl ank ek vnuit tc èrùintl ner



>% Ekg jlt rlquerls rlpin`lblkt " Aciicw ekg jlt rlpin`lblkt prc`lfurl4% Niwnys ìlnk nii ekg arcb nsslbdiy ociflr usekm ni`coci nkf `cttck rnm0% Ekg jlt nsslbdiy kllfs tc dl rlpin`lf" Ea piummlf ek dn`gwnrfs ycu weii mlt n toek iekl ck tollkvlicpl+6% Vlst tol prekt quniety dy lktlrekm fenmkcste`s nkf tlstekm

FLXCPEVCTU: ’Kc Xrekt ck Lkvlicpls‒

>% Ekg jlt bny rlquerl rlpin`lblkt òl`g acr ìcmmekm" Aciicw ekg jlt rlpin`lblkt prc`lfurl" Voes`nk dl n olnt rlintlf prcdilb



4% Niwnys ìlnk nii ekg arcb nsslbdiy ociflr usekm ni`coci nkf `cttck rnm0% Ekg jlt nsslbdiy bny kllf tc dl rlpin`lf" Ea piummlf ek dn`gwnrfs ycu weii mlt n toek iekl ck tollkvlicpl+

K@T <<#<1#<? FLXCPEVCTU# FEPXLKPLT PO\VVLT:

PO\VVLT: ’ Liiepte`ni @nb Gllps Fccr Cplk‒

>% Iudre`ntl cutsefl lfml ca `nb weto n sbnii nbcukt ca Vlaick Mli tc nvcef ste`gekm4% Vemotlk s`rlw usekm ic`g tetl" Voes s`rlw `nk dl`cbl iccsl0% Tlpin`l bctcr nsslbdiy

FELDCIF E"PLTELP: FEPXLKPLT BBF

FEPXLKPLT: ’ Kc Bctcr Frevl‒

>% @ol`g Ausl A"> ck `cktrci dcnrf nkf rlpin`l4% Vlst ek Fenmkcste`s tlst bcfl" ’bctcr‒

FEPXLKPLT: ’ ]eii Kct Fesplksl‒

>% @ol`g tont `nsslttl―s nrl slntlf ek fesplkslr nkf onvl duttcks ek `crrl`t pcseteck4% @ol`g #Tlpin`l `cukt slkscrs ck prlslktlr" Bny dl dic`glf0% Vlst ek Fenmkcste`s tlst bcfl" ’bctcr‒6% Qesuni ekspl`teck wcrgs dlst.

FEPXLKPLT: ’ Allf Aneiurl―s nkf @ckstnkt Xe`g Nttlbpts‒

>% @ol`g acr klw `nso" Olnfs tc tol onkfils nkf ank4% @ol`g acr `crrl`t prlssurl ck puso pintl ek `nsslttl Kctl: ’Klw `nso socuif niwnys puso cif cr aet `nso‒" ’Dre`g pusoekm n peiicw‒ Kctl: ’ Bexlf @nso klw nkf aet `nk `nusl puso prlssurl prcdilbs‒" Plpnrntl0% @ol`g acr fnbnmlf cr wcrk strepplr cr alkflr nsslbdiy nkf rlpin`l6% @ol`g acr wcrk nkf fnbnmlf sonat nsslbdiy" ìlnk cr rlpin`l<% @niedrntl fcudil fltl`t ns socwk ek toes bnkuni" Tlalr tc `niedrnteck prc`lfurl

FEPXLKPLT: ’ Pglwekm ca deiis tc Xrlslktlr‒

>% @ol`g nii dlits nrl slùrl ek dn`g ca fesplkslr 4% @ol`g prlssurl rciilrs acr fnbnml cr nfjustblkt0% @ol`g `nso nkf prlssurl ek `nsslttl acr `crrl`t cplrnteck



6% @ilnk nkf plracrb XB plr prc`lfurls" Tlpin`l nky wlnr pnrts

FEPXLKPLT: ’ Fcudil Fltl`t ]ckt Ptny Nfjustlf‒

>% @ol`g nkf dicw cut prcxebety slkscr nkf acrg) òl`g acr sprekm bcvlblkt4% @ol`g acr temotklss ca fcudil fltl`t s`rlw) turk ek nkf cut woeil `niedrntekm tc fltlrbekl ea

ektlrbettlkt ek knturl) et bny dl bcvekm ck cwk0% @ol`g# Tlpin`l fcudil fltl`t acrg 6% @ol`g #Tlpin`l Xrcxebety slkscr nsslbdiy

FEPXLKPLT: ’ Pouttlr Cplk Dlacrl Fesplksl‒

>% @ol`g acr swetò cplrnteck nt souttlr 4% Nfjust souttlr swetò ns kllflf0% @ol`g @nb wolli " Tlbcvl nkf ìlnk slkscr) iudre`ntl weto Bciy`ctl 44 Mrlnsl6% Tlpin`l Ptn`glr Nsslbdiy

FEPXLKPLT: ’ Vcc Bnky Fevlrts‒

>% @ol`g acr lvlk festreduteck ca < pe`gs plr `nsslttl ek fenmkcste`4% Xlracrb vesuni ekspl`teck nkf XB prc`lfurl0% @ilnr cut Oemo fevlrt `cukts ek ’`cuktlrs‒6% @ol`g acr `crrl`t `nso nkf `nsslttl prlssurl ns rlalrlk`l prlvecusiy

FEPXLKPLT: ’ @nsslttl fcls kct dllp wolk ekslrtlf‒

>% @ol`g acr duttck ek `crrl`t pcseteck ck `nsslttl4% @ol`g acr cplrnteck ca duttck glydcnrf eksefl allf bcfuils0% Vngl npnrt duttck glydcnrf nkf ìlnk# rlekstnii nkf tlst6% Bcvl `nsslttl tc nkctolr bcfuil nkf tlst tc escintl prcdilb<% Tlpin`l flal`tevl `nsslttl1% Tlpin`l flal`tevl duttck glypnf

FEPXLKPLT: ’ @nsslttl socwekm icw wolk et es auii‒

>% @ol`g din`g duttck ck cutsefl ca `nsslttl tc dl ’pusolf ek‒4% Ea kct cplk `nsslttl nkf ic`ntl swetò nsslbdiy ck ilat sefl arckt0% Tlbcvl `nso nkf bngl surl swetò es feslkmnmlf weto `nso es rl"ekslrtlf6% Tlpin`l `nsslttl



FEPXLKPLT: ’ @nsslttl gllps pcppekm cut socwekm kct ekslrtlf‒

>% Escintl tol prcdilb tc tol `nsslttl dy bcvekm tc nkctolr allf bcfuil ic`nteck4% Tlpin`l `nsslttl ea et fcls et nt n feaalrlkt ic`nteck0% @ol`g sbnii ic`g ek din`g pinste` duid ic`ntlf ek tol beffil ca tol duttck glypnf6% Tlpin`l duid pel`l" Voes `nk dl drcglk cut wetocut rlbcvekm tol duttck glypnf

FEPXLKPLT: ’ Kltwcrg socwekm `nso fccr kct cplklf natlr fesplksl‒

>% @ol`g tol strnppekm ca tol fesplkslr `cktrci dcnrf tc dl slt"up ns n rlnr icnf bnòekl

K@T <888 PLTELP: FEPXLKPLT

FEPXLKPLT: ’ @nsslttl―s kct mcekm icw dlacrl rukkekm cut‒

>% @ol`g acr tol bnmklt ek tol prcplr pcseteck nkf prlslkt ek tol `nsslttl4% @ol`g tol ’rllf‒ slkscr ck tol sbnii èrùet `nrf eksefl tol allf bcfuils0% Tlpin`l tol drcglk minss rllf slkscr ek tol allf bcfuil

FEPXLKPLT: ’ Mlnrs drlngekm ck pe`g iekl nsslbdiy frevl‒

>% @ilnk pe`g iekl `cbpiltliy tc rlbcvl nky are`teck furekm bcvlblkt4% Dicw cut iekls nkf plracrb n ilng òl`g ck pe`g iekls0% Tl"dueif pubps nkf rl"tebl fesplkslr usekm prc`lfurl cutieklf6% @ol`g acr `crrl`t olntlr cplrnteck ek vnuit" @cif drlngs mlnrs<% Fc kct usl mrlnsl ck mlnrs) ckiy usl n fry seie`ckl ea kllflf+

FEPXLKPLT: ’ @nso jnbs‒

>% Ekspl`t bckly pnto) òl`g acr muefls cut ca pcseteck cr drcglk pnrts4% @ol`g pe`g bcfuil nkf prlslktlr tebekm0% Qlreay `nso quniety nkf puso pintl) bngl surl tol puso pintl es kct ic`glf ek tcc onrf nmnekst tol deiis+ Kctl: ’Klw `nso socuif niwnys puso cif cr aet `nso‒" ’Dre`g pusoekm n peiicw‒ Kctl: ’ Bexlf @nso klw nkf aet `nk `nusl puso prlssurl prcdilbs‒" Plpnrntl6% @ol`g dlits nkf mlnrs acr wlnr cr bessekm tllto" @ol`g tebekm<% @ol`g acr ektlrbettlkt Inbps" tnp ck tolb mlktiy tc fltlrbekl ea toly nrl scief1% @ilnr aetklss nkf ruk tlst―s weto vnuit fccr cplk) bngl surl tol ektlric`g swetò es puiilf cut furekm



tlst+=% Lkmnml tol ’`nso ck‒ swetò ek tol ’Fenm‒ blku nkf slil`t >8 deiis tc dl prlslktlf?% @ol`g lrrcr icm tc escintl prcdilb" Xlracrb XB rlpin`l pe`g ùps

FEPXLKPLT: ’ Anisl Deii Jnbs‒

>% @ol`g acr ektlrbettlkt Inbps" tnp ck tolb mlktiy tc fltlrbekl ea toly nrl scief4% Qesuniiy òl`g acr dremotklss ca inbps) rlpin`l nky wlng cr din`glklf duids0% Tuk fenmkcste`s nkf ìlnr aetklss

FEPXLKPLT: ’ Xe`g Aneiurls‒

>% @ol`g aetklss icm acr lxpinknteck ca pe`g aneiurls nkf ic`nteck4% Qlreay bckly `ckfeteck ns iestlf ek tolsl prc`lfurls0% Tlpin`l pe`g ùps nkf `ckseflr rl"dueifekm pubps" klw c"rekm6% Ilng òl`g pe`g iekl

<% @ilnk slkscrs eksefl pe`g bcfuils1% @ol`g rlpin`l pe`g scilkcef ruddlr" \sl Vlaick tc ùrl fry `ckfeteck#tlst=% @ol`g vnùub iekl acr `rn`gekm nkf rlpin`l?% @ol`g Vebekm es slt `crrl`tiy5% @ol`g stn`glr aekmlrs fc kct onvl tcc bnky aekmlrs drcglk>8% Qlreay fevlrt scilkcef es cplrntekm `crrl`tiy>>% @ol`g tont tol `npnèty slkscrs ònkml iemot ektlksety>4% @ilnr aetklss nkf prekt icm nkf ìlnr >0% Tuk tlsts weto ’`nso ck‒ weto vnuit cplk" òl`g acr nky ndkcrbnietels

FEPXLKPLT: ’ Kct Fesplksekm‒

>% Vlst tol rlinys acr prcplr cplrnteck wolk lkmnmekm fesplkslr 4% @ol`g ektlric`g swetò es puiilf cut cr vnuit es ìcslf0% @ol`g tol prlslkt bctcr acr fnbnml6% @ilnr tol aetklss nkf tlst tol fesplkslr <% @ol`g ausl A? ic`ntlf ck tol arckt ca tol pcwlr suppiy

K@T <<#<1#<?88 PLTELP: FEPXLKPLTP

FEPXLKPLT: ’ @nsslttl―s kct mcekm icw dlacrl rukkekm cut‒

>% @ol`g acr tol bnmklt ek tol prcplr pcseteck nkf prlslkt ek tol `nsslttl4% @ol`g tol ’rllf‒ slkscr ck tol sbnii èrùet `nrf eksefl tol allf bcfuils0% Tlpin`l tol drcglk minss rllf slkscr ek tol allf bcfuil

FEPXLKPLT: ’ Mlnrs drlngekm ck pe`g iekl nsslbdiy frevl‒

>% @ilnk pe`g iekl `cbpiltliy tc rlbcvl nky are`teck furekm bcvlblkt4% Dicw cut iekls nkf plracrb n ilng òl`g ck pe`g iekls



0% Tl"tebl fesplkslr usekm prc`lfurl cutieklf6% @ol`g acr `crrl`t olntlr cplrnteck ek vnuit" @cif drlngs mlnrs<% Fc kct usl mrlnsl ck mlnrs) ckiy usl n fry seie`ckl ea kllflf+

FEPXLKPLT: ’ @nso jnbs‒

>% Ekspl`t bckly pnto) òl`g acr muefls cut ca pcseteck cr drcglk pnrts4% @ol`g pe`g bcfuil nkf prlslktlr tebekm0% Qlreay `nso quniety nkf puso pintl) bngl surl tol puso pintl es kct ic`glf ek tcc onrf nmnekst tol deiis+ Kctl: ’Klw `nso socuif niwnys puso cif cr aet `nso‒" ’Dre`g pusoekm n peiicw‒ Kctl: ’ Bexlf @nso klw nkf aet `nk `nusl puso prlssurl prcdilbs‒" Plpnrntl6% @ol`g dlits nkf mlnrs acr wlnr cr bessekm tllto" @ol`g tebekm<% @ilnr aetklss nkf ruk tlst―s weto vnuit fccr cplk) bngl surl tol ektlric`g swetò es puiilf cut furekmtlst+1% @ol`g B"Ptntus lrrcr icm tc escintl prcdilb" Xlracrb XB rlpin`l pe`g ùps

FEPXLKPLT: ’ Xe`g Aneiurls‒

>% @ol`g Vlrbekni Olnitoy s`rllk acr lxpinknteck ca pe`g aneiurls nkf ic`nteck4% Qlreay bckly `ckfeteck ek `nsslttls ns iestlf ek tolsl prc`lfurls0% Tlpin`l pe`g ùps6% @ilnk nii slkscrs<% @ilnk aeitlr) dicw cut "Tlpin`l ea kllflf1% @ol`g vnùub iekl acr dnf `ckkl`tecks cr ilng =% @ol`g Vebekm es slt `crrl`tiy?% @ilnk IQFV slkscr nkf wolli5% @ilnr aetklss nkf Vlst @nso>8% Tuk tlsts weto ’`nso ck‒ weto vnuit cplk" òl`g acr nky ndkcrbnietels

FEPXLKPLT: ’Plkscr < rlquerls ìlnkekm‒

>% ’Dum‒ weto scatwnrl) slkscr fcls kct rlquerl ìlnkekm" @cksuit Duiilteks cr Emkcrl anuit) Anuit `nkrlbnek ck tol Vlrbekni Olnitoeiy P`rllk

FEPXLKPLT: ’]eii ckiy pe`g arcb ckl `nsslttl"Klw cr @onkml ek @nsslttls‒

>% Qlreay NVB es sllekm `nsslttl ek @nso Vlst" @ol`g bnmklts ek lnò `nsslttl4% Fltlrbekl ea kltwcrg es slt"up tc sll Oemo#Icw cr flkcbekntecks /5>> cr 5>4%0% Ilnrk Deii Xnrnbltlrs acr lnò `nsslttl



FEPXLKPLT D\IILVEKP:K@T <<#<1#<?88 PLTELP

54"8>>1"Pukiemot soelif ck lxet slkscr 54"88?8"Puplrslflf dy 180"<88=4<8 aerbwnrl50"88>6"Vwek Vrn`g `nb aciicwlr wlnr

50"88>1"Tlpin`l stn`g slkscr drn`glt50"888>"Nffeteck ca kctl aie`glr tc sonat50"8885"Fesplkscr stlpplr bctcr X@D socrt50"88=<"Ebprcvlf lrrcr onkfiekm50"88?="Icwlr kctls ek stn`g ste`gs tc ansèn wolk prlslktlf50"8>>6"EL Fesplkslr fls`repteck nkf 66<"81>>40< @nb nkf 66<"81>>401 Efilr Ptuf rlpner gets50"8>>>"Kctls sgebbekm tol tcp ca ansèn50"8><0"EL Fesplkslr"Bstnt >? lrrcrs50"8><?"Xe`g aneis weto pccr quniety kctls56"88>6"B85 Lrrcrs) Deii Ilnrk nkf dum aexls PVF fesplkslr 56"88><"B85 Lrrcrs) Deii Ilnrk nkf dum aexls E+L+ fesplkslr 56"8>48"Ebprcvlf @urrlk`y fesplkslr vnùub ner aeitlr 5<"886?"@urrlk`y kctls ìeppekm tol fesplkslr ektlran`l drn`glt51"8866"<1__ @urrlk`y fesplkslr" Mlklrni ònkml ekacrbnteck5="8814"NVB @urrlk`y `nsslttl" ]eflr Xicy `nrdckntl @nsslttl

VTEVCK"5<88#5188 :FEPXLKPLT "PEKMIL

FEPXLKPLT: ’ @nsslttl weii kct `cbl cut‒

>% Tlbcvl ?">8 s`rlws ck tol ilat nkf remot sefl muefl pintl" Aemurl lemot4% Ea `nsslttl steii wckt `cbl cut" Tlbcvl twc sprekm ìeps nt rlnr ca fesplkslr 0% @ol`g acr klw `nso" Klw `nso bust dl ankklf torll tebls torcumo `cuktlr

FEPXLKPLT: ’ Kctls nrl sglwekm nt tcp ca trnkspcrt‒

>% @ilnk spckml allf wollis"òl`g acr rcukfklss4% @ol`g tont pe`g wolli bny onvl icst cutlr `cntekm" Tlpin`l wollis ea kllflf0% Tlpin`l fesplkslr

FEPXLKPLT: ’ @nsslttl gllps `cbekm cut‒

>% Tlpin`l tol ilat nkf remot sefl woetl ic`ntcr ìeps eksefl tol allf bcfuil4% @ol`g nkf rlpin`l tol rneis ns kllflf

FELDCIF E"PLTELP: XC]LT P\XXIU

XC]LT P\XXIU: ’KC XC]LT‒

>% @ol`g acr pcwlr nt din`g dlnuty `ckkl`tcr 4% @ol`g acr nky onppy iemots0% @ol`g acr onrf frevl cplrnteck



6% @ol`g ausl ekput ck pcwlr suppiy nkf rlpin`l<% Tlpin`l pcwlr suppiy

K@T <888 PLTELP :XC]LT P\XXIU

XC]LT P\XXIU: ’KCEPU‒

>% @ol`g acr nky rl`lept pnplr ek nky anks ck NVB

XC]LT P\XXIU: ’KC XXF XTEKV‒

>% @ol`g pcwlr suppiy acr '<QF@4% Tlpin`l Xcwlr Puppiy

XC]LT P\XXIU: ’KC NINTB‒

>% Tlpin`l pcwlr suppiy

XC]LT P\XXIU: ’NVB socws kc iemots) bctcrs rukkekm cr anks‒

>% Tlpin`l pcwlr suppiyK@T <<#<1#<?88 PLTELP :XC]LT P\XXIU

XC]LT P\XXIU: ’KC XC]LT" kc mrllk iemot‒

>% @ol`g acr pcwlr nt `ckkl`tcr 4% @ol`g acr nky onppy iemots0% @ol`g acr onrf frevl cplrnteck6% @ol`g ausl ekput ck pcwlr suppiy nkf rlpin`l<% Tlpin`l pcwlr suppiy

XC]LT P\XXIU: ’Ainsoekm mrllk# rlf iemot‒

>% Volrl es n socrt scblwolrl ck tol NVB4% @ol`g tol iemot Dniinst dy fes`ckkl`tekm tol pcsetevl ekput0% Fes`ckkl`t ckl pcwlr ekput tc ln`o flve`l nt n tebl tc escintl anuity flve`l

VTEVCK PLTELP :XC]LT P\XXIU

XC]LT P\XXIU: ’KC XC]LT‒

>% @ol`g ausl ekput nt N#@ swet`o4% @ol`g ausls ck pcwlr suppiy0% Tlpin`l pcwlr suppiy



PL@VECK >> FELDCIF >810E_ XNML

FELDCIF >810E_ EPV IEKL XTC@LF\TLP >

FELDCIF >810E_ VTC\DILPOCCVEKM >

@ilnr Iest 4

@cuktlrs 4

FEPXLKPL VLPV 4

@NPO VUXLP 0

FENMKCPVE@P 0

NVVK Blssnml 0

ICMCAA 0



FELDCIF >810E_

FELDCIF >810E_ EPV IEKL XTC@LF\TLP

TL@LEXV NKF N\FEV TLXILKEPOBLKV

TL@LEXV NKF N\FEV EKG @NTVTEFML ‟P

@NPO ICNFEKM) @ILNTEKM JNBP

KLV]CTG NVB ICNFP# XC]LT ANEI\TLP

FLQE@L VLPVEKM ACT 4KF IEKL PLTQE@LNFBEKEPVTNVECK XNPP]CTF 8)8)8)8)8)8)

GLU2 D>4>) VCX ONV) DCVVCB @CQLT FCCT

XTC@LPPCT2 FELDCIF PVX XTC@LPPCT X@D

XCII NFFTLPP2 SSSSSSSS

FLPGLUP2 SSSSSSSSSSSN GLU) SSSSSSSSSSSD GLU

KLV]CTG2SSSSSSSSSSSSS

FELDCIF >810E_ VTC\DILPOCCVEKM

XC]LT ANEI\TLP:

>+ ’CAAIEKL‒"KCV VNGEKM ICNF

4+ ’C\V CA PLTQE@L‒"VNGEKM ICNF

/ICNF POC\IF VNGL KC BCTL VONK < BEK\VLP%

@NII KLV]CTG EA BN@OEKL FCLP KCV VNGL

ICNF

Kctls:NKU XC]LT aneiurl weii rlsuit ek n kltwcrg icnf dlekm icst) bcst tebls tol NVB weii `cbl

dn`g up ck cwk nkf tngl icnf arcb kltwcrg+

Teddck rlpin`lblkt ck Tl`lept nkf Nufet prektlrs ck n rlmuinr dnses weii ebprcvl rliendeiety

@nkklf Ner socuif dl uslf wllgiy) dicwekm cut nii nsslbdiels) `ilnk bn`oekls rlsuit ek ilss fcwk

tebl+



N Fesplksl tlst socuif niwnys dl plracrblf natlr rlpilkesoblkt cr slrve`l ca fesplkslr+

FELDCIF >810E_ EPV IEKL XTC@LF\TLP

PLTQE@L:

>;XTLPP NKF OCIF ]OEVL TC@GLT D\VVCK4;LKVLT 8)8)8)8)8)8) /1 ZLTCP%

0;PLIL@V P\XXIU CK BLK\

KCVL: DI\L NFQNK@L D\VVCKP CK TL@LEXV NKF N\FEV XTEKVLTP ]CTG ]OLK

EK VOEP BLK\+

@ilnr Iest: @ilnrs nkf prekts nii aneiurl `cfls ck rl`lept prektlr) tolsl `cfls `nk dl

iccglf up ek tol FELDCIF NVB Aneiurl @cfl Onkfdccg+

@TF" `nrf rlnflr anuits nrl `cbbck ful tol `nrfs kct dlekm sweplf `crrl`tiy+

@cuktlrs: \slf acr dninkèkm) fespinys nkf prekts `cuktlrs ca fevlrts) nkf

fesplkslf deiis arcb `nsslttls

FEPXLKPL VLPV: /prlss duttck wolk rlbcvekm nsslttl―s%

VLPV―P DCVO @NPPLVVLP DU PLIL@VEKM N DEII ATCB LN@O NKF

VOLK X\VVEKM EKVC FEQLTV

L_NBXIL:

@NPP @: pnss /Voes blnks 48―s nrl cg%

@NPP D: pnss / <8―s nrl cg%

@NPP F: pnss / 48―s nrl cg%

Lnò `nsslttl es ’`cflf‒ nkf `nk mc ektc letolr ic`nteck ck fesplkslr+

@NPP @: icw /Voes blnks tol `nsslttl es icw) cr tol swetò ek tol `nsslttl es

lkmnmlf nkf rlquerls rlslt%

Fevlrt Xnss /Voes blnks tol fevlrt es pusolf nkf ic`glf ektc pcseteck%

@NPP @: kct tlstlf / Voes blnks tol `nsslttl bny kct dl pusolf ek cr tol fevlrt

`nsslttl es kct pusolf ek%

@NPO VUXLP:



Are`teck allf `nso systlbs rlquerl `crrl`t nso icnfekm

KL] @NPO : Pocuif dl put torcumo `nso `cuktlr 0 tebls nkf icnflf ektc `nsslttls

’Olnf tc Onkfil‒

AEV @NPO : `nk dl icnflf nky ferl`teck) deiis socuif kct dl repplf) aciflf crwrekgilf+ Klw `nso socuif niwnys puso Aet `nso ’Dre`g Xusoekm Xeiicw‒

6;BNEK BLK\:

FENMKCPVE@P:

TXV2

Xrlss 8> acr Tl`lept prektlr

prekts rl`lepts nkf ùt―s tolb prlss ’`nk`li‒ tc stcp

Xrlss 84 acr Nufet prektlr

prekts ck nufet prektlr) prlss ’`nk`li‒ tc stcp@TF2 tlsts `nrf rlnflr ) swepl `nrf acr `cukt

NVVK Blssnml:

Natlr nky Icmcaa) rlpilkesoblkt cr rlpner) Xrlss ’NVVK" BLPPNML dlacrl

’ICMCAA‒

Tlpcrts tc kltwcrg stntus ca NVB

ICMCAA:

Vlsts nii flve`ls tolk tngls n socrt icnf arcb kltwcrg nkf mcls ektc slrve`l) ea dllpekm c`ùrs) n aneiurl ons c`ùrrlf) aex prcdilb nkf rlsubl dy aciicwekm

’AE_LF‒ `cbbnkf+

Vypls ca prcdilbs:

Icw Tl`lept pnplr) cut ca pnplr

Icw Fesplkslr) icw ck `nso

Ea ’ Emkcrl‒ `cbbnkf es slil`tlf tol flve`l weii kct dl rltlstlf) dut NVB bny

`nbl dn`g ektc slrve`l+ Voes flve`l weii tol kct wcrg uktei rlpnerlf+



PL@VECK >4

K@T <888 PLTELP Xnml

VC VLPV @NPO 0

VC @ILNT AEVKLPP ICM 6

K@T ^\E@G IEPV PVLXP <

VC VLPV FLXCPEVCTU 1



K@T <888 PLTELP




NKU PUPVLB AN\IVP TL^\ETL

@CTTL@VECK) VOLK VOL AEVKLPP ICM

B\PV DL @ILNTLF






FLXCPEVCTU VLPV NKF B\PV DL@ICPLF ]OLK DTC\MOV DN@G EKVC

PLTQE@L



VOL ACIIC]EKM BLK\―P CK VOL NVB ]EII DL

@CQLTLF:

’PLI‒" PLIL@V BLK\"Ptnrt nkf lkfekm blku

’TLX‒" TLXILKEPOBLKV BLK\"\slf acr tlstekm @nso nkf



Tltrelvekm Flpcsets

’FENM‒" FENMKCPVE@ BLK\" \slf tc @ilnr Aetklss Icm nkf

Vlst Flpcsetcry

XTEKVEKM CA BLK\―P ACT VOL PLIL@V BLK\/’PLI‒%

NKF TLXILKEPOBLKV BLK\ /’TLX‒% NTL NV VOL

N\FEV XTEKVLT" XTLPPEKM VOL LKVLT GLU ]EII

XTEKV VOL @\TTLKV OLNFLT NKF IC@NVECK EK VOL

BLK\

XTEKVEKM CA VOL BLK\―P ACT VOL FENMKCPVE@

/’FENM‒% NTL NV VOL TL@LEXV XTEKVLT" XTLPPEKM

VOL LKVLT GLU EK VOEP BLK\ OLNFLT ]EII XTEKV

VOL @\TTLKV IC@NVECK EK VOL BLK\+

VC L_EV NKU BLK\ ’5‒ LKVLT BNU DL XTLPPLF VCMLV DN@G VC VOL XTLQEC\P BLK\ PLIL@VECKP

NAVLT AE_EKM NKU FLQE@L)VOL FLQE@L POC\IF DL

VLPVLF NKF VOL AEVKLPP ICM @ILNTLF



NAVLT TLXILKEPOBLKV CA NKU FLQE@L VOL FLQE@L

POC\IF DL VLPVLF

NII CXLTNVECKP TL^\ETL VOL \PLT VC X\V P]EV@O

CK VOL BNEKVLKNK@L GLUXNF /BX% EK VOLP\XLTQEPCT XCPEVECK" VOL PVNTVEKM XCEKV ACT

NII VOL ACIIC]EKM BLK\―P PVNTVP ]EVO VOL

PLIL@V BLK\ ’PLI‒

VC VLPV @NPO


4%Arcb ’PLI‒ck bnektlknk`l pnkli /BX% prlss ’6‒ tolk tol

’Lktlr‒ gly

0%Xrlss tol ’Lktlr‒ gly nmnek tc prekt tol blku ck tol nufet

prektlr


Furekm toes tebl tol fesplkslr weii ge`g ck nkf tlst etslia+ Ckl

deii arcb ln`o `nsslttl weii dl pe`glf nkf put ektc tol fevlrt

`nsslttl+

<%‒`>4""‒ socuif npplnr ck tol bnektlknk`l pnkli+ Voes blnks

tont dcto `nsslttl―s tlstlf mccf+ Ea ckiy ’`>"""‒ npplnrlf tontwcuif blnk tont ckiy `nsslttl > pnsslf tol tlst nkf sc ck+

1%XTLPP VOL ’LKV‒ GLU VC MLV DN@G VC VOL ’TLX‒

TLXILKEPOBLKV BLK\+



=%XTLPP VOL ’@KI‒ @NK@LI GLU VC MLV DN@G VC

PVLX > CT VOL ’PLI‒ BLK\" UC\ NTL FCKL VLPVEKM

VOL @NPO

KCVL: EA VOL VLPV FEF KCV ]CTG BNGL P\TL VOLQN\IV FCCT EP @ICPLF VOLK MC VC VOL

EKPVT\@VECKP CK OC] VC @ILNT VOL AEVKLPP ICM+

VOLK UC\ BNU VTU VLPVEKM VOL @NPO NMNEK


>%Arcb tol ’ PLI‒ BLK\ XTLPP ’=‒

VOLK VOL ’LKVLT‒ GLU

kctl: Vol fenmkcste` prcmrnb weii tngl ndcut >8 sl`ckfs tc

icnf

4%‒FENM‒ POC\IF DL FEPXINULF CK VOL BX) XTLPP

VOL LKVLT GLU VC XTEKV VOL BLK\ VC VOL TL@LEXV


0%XTLPP ’>‒ /TLXCTV% NKF XTLPP ’LKVLT‒) ’TXV‒

POC\IF DL FEPXINULF CK VOL BX) XTLPP LKVLT

NMNEK VC XTEKV VOL BLK\ VC VOL TL@LEXV


6%XTLPP VOL ’=‒ /@ILNT AEVKLPP% VOLK VOL ’LKVLT‒

GLU+

Dcto prektlrs weii lkmnml furekm toes cplrnteck nkf tol rl`lept

prektlr weii prekt cut ’`ilnrlf‒

<%Xrlss tol ’5‒ /lxet% gly tolk tol ’Lktlr‒ gly tc mlt tc tol



prlvecus ’FENM‒ blku+

1%Xrlss tol ’5‒ /lxet% gly tc mlt dn`g tc tol ’PLI‒ stnrt blku

kctl tont tol rl`lept prektlr weii nfvnk`l nkf `ut tol rl`leptpnplr arcb tol prektlr niicwekm tol trnkspcrt drefml tc dl put

ektc et―s kcrbni pcseteck ck`l tol pnplr es rlbcvlf+




VC @ILNT AEVKLPP" Plil`t Blku

>%= LKVLT /FENM%

4%> LKVLT /TXV%

0%= LKVLT /@ILNTP AEVKLPP%

6%5 LKVLT /TXV%L_EV

<%5 LKVLT /FENM%L_EV1% /PLI%BLK\

VC VLPV @NPO" Plil`t Blku

>%6 LKVLT /TLX%

4%>8 LKVLT /VLPV @NPO%0%POC\IF FEPXINU @>4""

6%LKVLT GLU EP XTLPPLF /PLI%

<%@NK@LI GLU VC ’PLI‒ BLK\

VC VLPV FLXCPEVCTU



>%BNGL P\TL QN\IV EP @ICPLF

4%ATCB ’PLI‒ XTLPP VOL LKVLT GLU NKF TLNF VOL

BLK\ XTEKVLF CK VOL N\FEV XTEKVLT+

0%PLIL@V ’VTNKPALT DU XTLPPEKM ’?‒ VOLK VOL

LKVLT GLU /_alr `nk nisc dl n``lsslf ek tol Fenmkcste`s

blkus%

VOL P@TLLK @NK KC] DL CXLTNVLF NV VOL ATCKV

CA VOL NVB) MC VC VOL ATCKV CA VOL NVB ]EVO N

FLXCPEV LKQLICXL


GLU

VOL PLIL@V BLK\ VONV ]NP XTEKVLF CK VOL N\FEV

XTEKVLT POC\IF KC] DL FEPXINULF CK VOL

P@TLLK

<%PLIL@V FENMKCPVE@ DU XTLPPEKM ’=‒ VOLK VOL

LKVLT GLU

1%EK VOL FENMKCPVE@ BLK\ PLIL@V VLPVP DU

XTLPPEKM ’8‒ VOLK LKVLT

=%EK VOL VLPVP BLK\ PLIL@V FLXCPEVCTU DU

XTLPPEKM ’=‒ VOLK VOL LKVLT GLU

VOL PO\VVLT ACT VOL FLXCPEVCTU ]EII CXLK

VOLK @ICPL) ]OLK EV CXLK―P NMNEK EKPLTV VOL



LKQLICXL

VOL P@TLLK POC\IF @CBL DN@G NKF PNU FLXCPEV

XNPP VLPV

?%L_EV VOL VLPV―P BLK\ DU XTLPPEKM VOL ’5‒ GLU

VOLK LKVLT+

5%L_EV VOL FENMKCPVE@ BLK\ DU XTLPPEKM VOL ’5‒

GLU VOLK LKVLT+

>8% EK VOL PLIL@V BLK\ VC VTNKPALT DN@G EKVC

VOL NVB XTLPP ’?‒ VOLK VOL LKVLT D\VVCK+

MC DN@G EKVC VOL NVB) CXLK VOL QN\IV FCCT NKF

@OL@G VOL ^\NIEVU CA VOL VLPV FLXCPEV


NKF IC@G EV+



PL@VECK >0 K@T<<#<1#<?88 PLTELP XNML

PCO‒" ’PVNVL CA OLNIVO ‒ 4

MLKLTNI 0

PLIL@V BLK\ 0

TLXILKEPOBLKV BLK\ 0

FENMKCPVE@ BLK\ 6

Vrnksalr 6

@PCO4 6

VC VLPV @NPO <

VC @ILNT AEVKLPP ICM <

K@T ^\E@G IEPV PVLXP =

VC VLPV FLXCPEVCTU =



K@T <<#<1#<?88 PLTELP



K@T Bcfli <<?<:]nig"up

K@T Bcfli <<??:Frevl"up


NKU PUPVLB AN\IVP TL^\ETL

@CTTL@VECK) VOLK VOL AEVKLPP ICM

B\PV DL @ILNTLF CT FLQE@L VLPVLFEK VOL TLXILKEPOBLKV BLK\






FLXCPEVCTU VLPV NKF B\PV DL



@ICPLF ]OLK DTC\MOV DN@G EKVC

PLTQE@L

’ PCO‒" ’PVNVL CA OLNIVO ‒ EP VOL AETPV I@F P@TLLK+Xrlssekm tol sl`ckf gly fcwk ck tol ilat sefl ca tol bnektlknk`l

pnkli /BX%weii drekm toes s`rllk up+ Voes es tol ’PCO‒ gly

Voes s`rllk fls`redls tol ùrrlkt stntl ca tol NVB+ Nky anuits

nrl iestlf ns >#> /Anuit iestlf% woeò es > anuit cr bnky anuits >#4

/Anuits iestlf%+

Kctl: Ea bcrl tonk ckl anuit) wnet teii s`rllk ònkmls lvlry twc

tc torll sl`ckfs+

Kctl: Vorll gekfs ca anuits `nk dl iestlf7 Antni anuits ]nrkekms nkf Tcutekl anuits+

Antni anuit rlquerl ebblfentl nttlkteck) ]nrkekms nk wnet nkf Tcutekl anuits fc

kct+

Lxnbpil ca Antni Anuit" Qnuit ektlric`g swetò+ Vol vnuit ons dllk ilat cplk woeil

tol NVB wns drcumot ektc slrve`l+ Voes `nuslf n Antni Anuit ck tol Fesplkslr nkf

Flpcsetcry+ Vol Aetklss icm bust dl ìlnrlf+

Lxnbpil ca ]nrkekm Anuit"@nrf `npturl cr n tlnsl ck tol `nrf rlnflr mnvl n

wnrkekm blssnml ek tol aetklss icm+ Vol NVB stnys ek slrve`l nkf tol aetklss just

rlquerls ilnrekm+ Ckmcekm wnrkekm―s socuif dl slrve`lf+

Lxnbpil ca Tcutekl Anuit" Plkscr < rlquerls ìlnkekm cr pe`g ùps kllf rlpinèkm+

Volsl anuits fc kct rlquerl ebblfentl nttlkteck+ Vol slkscr < rlquerls nttlkteck

ons dllk prcvlk ns n K@T dum woeò socws up+ Voes anuit socuif dl emkcrlf+

MLKTNI



>%Niwnys put ’Puplrvescr ‒ swet`o ck dlacrl prc`llfekm weto nky rlpners

cr rlpilkesoblkt

4%Vc n``lss tol Plil`t blku cr Tlpilkesoblkt blku prlss tol ’ PCO ‒

duttck+

0%Vc n``lss tol ’Vlrbekni Olntoiy P`rllk‒ nt nky tebl prlss tol sl`ckf

gly fcwk ck tol ilat sefl ca tol I@F pnkli+

PLIL@V BLK\

VOL PLIL@V BLK\ EP VOL PVNTVEKM XCPEVECK NKF

VOL L_EV XCPEVECK+ VOL OEMOIEMOVLF BLK\P NTL

\PLF BCPV ATL^\LKVIU NKF ]EII DL @CQLTLF+

PLIL@V

8 PLV P]C#P\XQPT CK > PLV P] >#P\XQPT CAA4 PLV P]4#P\XXIU CK 0 PLV P]0#P\XXIU CAA6 TLXILKEPO < @CKAEM\TL

1 N@@LPP = FENMKCPVE@? VTNKPALT 5 L_EV

48 @PCO 4> @PCO0

/6% TLXILKEPOBLKV BLK\ "\slf acr tlstekm @nso nkf



Tltrelvekm FlpcsetsVOL ’PCO‒ ’PVNVL CA OLNIVO‒ ]EII DL @ILNTLF

NAVLT VLPVEKM N FLQE@L EK VOL TLXILKEPOBLKV

BLK\

/=% FENMKCPVE@ BLK\ " \slf tc Fespiny aetklss icm nkf @ilnr

Aetklss Icm



Kctl: icm socws Antni anuits nkf Tcutekl anuits) Antni anuits rlquerl rlpner ca

flve`l nkf tlstekm dlacrl tol aetklss es ìlnrlf+

Tcutekl anuits kcrbniiy fc kct rlquerl nttlkteck

/5% L_EV es uslf tc lxet tol slil`t blku tc drekm tol NVB

ektc slrve`l+ Vol suplrvescr swetò bust dl pusolf up tc tol’Kcrbni‒ pcseteck natlr toes slil`teck es bnfl+

]NTKEKM:QN\IV FCCT B\PV DL @ICPLF

/?%Vrnksalr es uslf tc trnksalr tol I@F s`rllk tc tol arckt ca tol

NVB+ Vol `cfl‒4"6"1"?"Lktlr‒ bust dl uslf+

Nii blku―s nrl n``lsslf nkf tol Flpcsetcry nkf @nrf rlnflr `nk dl tlstlf+

/48 %@PCO4 es uslf tc tlst lnò flve`l nkf ìlnr tol aetklss+ Voes

blku slil`teck es kcrbniiy uslf acr tlstekm tol prekt quniety ck

tol lkvlicpls+

Kctl: Lvlrytebl n flpcset prekt olnf es rlpin`lf tol @PCO4 socuif dl uslf tc tlii

tol systlb tont ’prektolnf rlpin`lf‒+ Voes weii zlrc tol `cuktlrs nkf gllp trn`g ca

tol ieal ca tol prektolnf+ ]olk tol prektolnf kllfs rlpin`lblkt tol ’PCO‒ s`rllkweii socw toes ]nrkekm+

VC VLPV @NPO


4%Arcb ’ PLIL@V‒ ck bnektlknk`l pnkli /BX% prlss ’6‒

/ Tlpilkeso% tolk tol ’Lktlr‒ gly


Furekm toes tebl tol fesplkslr weii ge`g ck nkf tlst etslia+ Ckl deii arcb lnò

`nsslttl weii dl pe`glf nkf put ektc tol fevlrt `nsslttl+



6%‒Vcp `nsslttl mccf‒ nkf ’Dcttcb `nsslttl mccf‒ socuif

npplnr ck tol pnkli+

<%XTLPP VOL ’@nk`li ‒ gly tc MLV DN@G VC VOL

’ TLXILKEPOBLKV ‒ BLK\+

1%UC\ NTL FCKL VLPVEKM VOL @NPO

KCVL: EA VOL VLPV FEF KCV ]CTG BNGL P\TL VOL QN\IV FCCT EP

@ICPLF VOLK MC VC VOL EKPVT\@VECKP CK OC] VC @ILNT VOL

AEVKLPP ICM+ VOLK UC\ BNU VTU VLPVEKM VOL @NPO NMNEK


>%Arcb tol ’ PLIL@V ‒ BLK\ XTLPP ’=‒ / Fenmkcste`s%VOLK

VOL ’ LKVLT‒ GLUKctl: Vol fenmkcste` prcmrnb weii tngl ndcut 0 sl`ckfs tc icnf

4%‒ FENMKCPVE@P ‒ POC\IF DL FEPXINULF CK VOL BX)

XTLPP VOL ’0‒D\VVCK/ ILQLI 0 FENMKCPVE@P % VOLK

VOL ’ LKVLT‒ GLU

0%XTLPP VOL ’0‒ / FEPXINU AEVKLPP% VOLK VOL ’ LKVLT‒

GLU+

Vol ùrrlkt anuits weii dl fespinylf ck tol pnkli) Antni Anuits rlquerl nttlkteck cr

tol aetklss icm ìlnrlf+

6%Xrlss tol ’dcttcb ilat‒ gly ca tol pnkli tc lxet tc tol prlvecusblku+

<%Xrlss ’1‒ /@ilnr Aetklss% tolk tol ’ Lktlr Gly‒ tc ìlnr tol

aetklss icm+

Kctl: Nii anuits nrl kcw ìlnrlf ck tol NVB



1%Xrlss tol ’Dcttcb ilat gly‒ ck tol pnkli slvlrni tebls tc mlt

dn`g tc tol Plil`t Blku+




VC @ILNT AEVKLPP " PLIL@V Blku

>%= LKVLT /FENMKCPVE@P%

4%0 LKVLT/ILQLI 0 FENMKCPVE@P%

0%1 LKVLT/@ILNTP AEVKLPP%

6% DCVVCB ILAV GLU

<% DCVVCB ILAV GLU

1% /PLIL@V%BLK\

VC VLPV @NPO" PLIL@V Blku

>%6 LKVLT /TLXILKEPO%

4%>8 LKVLT /VLPV @NPO%



0%POC]P VCX#DCVVCB @NPPLVVL MCCF

6%@NK@LI GLU VC/TLXILKEPO%

<%@NK@LI GLU VC /PLIL@V% BLK\

VC VLPV FLXCPEVCTU


4%ATCB ’ PLIL@V ‒ BLK\ XTLPP

’?‒ /VTNKPALT% VOLK VOL LKVLT GLU

KCVL:VOL P@TLLK @NK KC] DL CXLTNVLF NV VOL ATCKV CA VOL

NVB) MC VC VOL ATCKV CA VOL NVB ]EVO N FLXCPEV LKQLICXL


GLU

VOL PLIL@V BLK\ POC\IF DL FEPXINULF CK VOL

P@TLLK

6%PLIL@V ’48‒ /@PCO % VOLK VOL LKVLT GLU

<%Plil`t ’6‒ Flpcsetcry

1%Plil`t ’<‒ /Xrektolnf%

=%Plil`t ’4‒ /Tlpin`lf prektolnf%

?%Xrlss ’>‒ /Plil`teck `crrl`t%

5%Xrlss tol ’ Flve`l‒ /Dcttcb ilat duttck%

Kctl: Onvl Lkvlicpl Tlnfy



>8%Xrlss tol ’ PBL‒ /Dcttcb ilat duttck%

VOL PO\VVLT ACT VOL FLXCPEVCTU ]EII CXLK VOLK @ICPL) ]OLK

EV CXLK―P NMNEK EKPLTV VOL LKQLICXL

VOL P@TLLK POC\IF mc tc tol ’PCO‒ CT PLIL@V s`rllk nkf `ilnr blssnml"QLTEAU

>>%LKVLT VOL ’ PLIL@V ‒ BLK\ DU XTLPPEKM VOL

’ PCO ‒ /PL@CKF D\VVCK FC]K CK ILAV PEFL%

>4%XTLPP ’?‒ /VTNKPALT% VC VTNKPALT VOL P@TLLK

VC VOL DN@G CA VOL NVB+

>0%MC DN@G VC VOL NVB) CXLK VOL QN\IV FCCT

NKF @OL@G VOL ^\NIEVU CA VOL VLPV FLXCPEV

Kctl: N Ptrekm ca tol @onrn`tlrs socuif prekt ck tol lkvlicpl) Ea kct aciicw tol

K@T Ekgjlt Xrlp nkf ekstniinteck prc`lfurls+


NKF IC@G EV+



PL@VECK >6

K@T EKGJLV XTC@LF\TL Xnml

EKGJLV XTLX NKF EKPVNIINVECK >

K@T EKGJLV EKPVNIINVECK 4

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